Podcasts about HSA

In this value-packed episode of Allworth's Money Matters, Scott and Pat unpack key financial strategies for high-net-worth investors navigating today's markets. From the overlooked need for regular portfolio rebalancing to smart planning for concentrated executive stock, they break down real-world scenarios with millions at stake. You'll hear a listener case involving $7M in assets, HSA withdrawal tactics, and 529 planning for seven grandkids—all through the lens of tax-smart wealth transfer. Plus, expert insights from Allworth's Head of Wealth Planning, Victoria Bogner, on avoiding massive tax traps with RSUs, ISOs, and stock options. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

In this conversation, Kelley Slaught discusses essential financial truths and strategies for individuals nearing or in retirement. She emphasizes the importance of having a written financial plan, understanding inflation and tax implications, and preparing for longevity. The discussion also covers practical steps for financial success, common retirement planning questions, and answers to listener inquiries, providing a comprehensive overview of retirement planning essentials. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

In this conversation, Marty emphasizes the necessity of having a retirement plan and outlines five essential steps to initiate the planning process. He discusses the importance of financial security and offers insights into effective investment strategies for retirement savings. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Most people think taxes are unavoidable — but the wealthy know better. In this episode, Rich sits down with Carter Caufield and George Acheampong to break down the exact frameworks high-net-worth individuals use to legally shrink their tax bill to zero. No shady loopholes. No gray-area tricks. Just straight strategy backed by the tax code itself.You'll learn why self-rentals are one of the most slept-on write-offs for business owners, how the buy-borrow-die model keeps billionaires from ever triggering taxable events, and how short-term rentals and boutique hotels can legally offset W-2 income — even if only one spouse qualifies as a real estate professional. The guys go deep on trusts, HSA stacking, hiring your kids, private jets, boats, film credits, and the Augusta Rule… with real numbers behind every move.This episode exposes how America's tax system actually works — and how ordinary earners can start playing the same wealth game as the 1%. If you've ever wondered why some people seem to build wealth effortlessly while others stay capped, this conversation is the difference.Tap in. Your accountant is going to hate how much smarter you get after this one. Join our investor waitlist and stay in the know about our next investor opportunity with Somers Capital: www.somerscapital.com/invest. Want to join our Boutique Hotel Mastermind Community? Book a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.

Crypto continues to be one of the fastest-moving asset classes — and when you combine it with the tax-free power of a Roth IRA, it becomes one of the most compelling long-term wealth strategies available.Join Mat Sorensen (CEO, Directed IRA) and Aaron Halderman (COO, Directed IRA) for a live training session where they break down everything you need to know about investing in crypto inside a Self-Directed Roth IRA. You'll learn how the structure works, how to access 60+ supported assets, when conversions make sense, when an IRA/LLC is appropriate, and how to stay compliant while maximizing tax-free upside.Whether you're an active crypto investor or just exploring tax-efficient strategies, this session will give you the tools to build a smarter, long-term plan for 2026 and beyond.You'll Learn- How crypto investing works inside a Self-Directed IRA- Why a Roth IRA can generate entirely tax-free crypto gains- How Traditional-to-Roth conversions work (and what actually triggers tax)- When an IRA/LLC “exchange account” becomes the right structure- How to access 60+ supported cryptocurrencies inside your IRA- How an HSA can also be used for crypto investingWhy Directed IRA?At Directed IRA, we've helped thousands of investors put over $3 billion into real estate, private funds, notes, and more, all inside tax-advantaged retirement accounts. Our team of experts and streamlined platform make it easy to invest with confidence.Directed IRA Homepage: https://directedira.com/ Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA Book a Call: https://directedira.com/appointment/ Other:Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

As the year comes to a close, it's time to make sure your finances are in order before December 31st. In this episode, we go over a practical year-end checklist designed specifically for physicians to help you save money, reduce taxes, and start the new year on solid financial footing. We'll cover:How to maximize retirement contributions and employer matchesSmart ways to use your CME funds and professional allowances before they expireTax strategies to consider before year-end, including charitable giving and tax-loss harvestingWhat to check with your HSA, FSA, and dependent care accountsReviewing your investments, insurance coverage, and financial goals for the new year This episode will help you finish the year strong—organized, confident, and ready to make the most of your money in the year ahead.Please subscribe and leave a review on your favorite Podcasting platform. Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching . You can learn more about Elisa at her website or follow her on social media. Website: https://ww.GrowYourWealthyMindset.com Instagram https://www.instagram.com/GrowYourWealthyMindset Facebook https://www.facebook.com/ElisaChiang https://www.facebook.com/GrowYourWealthyMindset YouTube: https://www.youtube.com/c/WealthyMindsetMD Linked In: www.linkedin.com/in/ElisaChiang Disclaimer: The content provided in the Grow Your Wealthy Mind...

#661: When your income drops, debt spikes, and a rental property starts bleeding cash, it can feel like your entire financial foundation is cracking beneath you. Veronica, our first caller, is navigating all of it at once, from a near-foreclosure to a luxury car payment that's strangling her budget. Her question is simple but enormous, how do you rebuild when you're overwhelmed and out of margin? Once we work through her path forward, we shift to a listener on the opposite end of the spectrum. Daniel has maxed his Roth IRA, HSA, 401(k), and 457, and now sits on growing surplus cash. We talk about where extra money belongs when you're aiming for early retirement and wondering whether to invest, save, or crush a low-interest mortgage. And to close, we take on a question dominating every financial feed right now, what if AI stocks really are in a bubble? We break down what it means to short the market, whether put options are actually a “safe” bet, and how to position a portfolio if you're worried about tech valuations. Listener Questions in This Episode Veronica asks (02:06): How do I dig out of debt, repair my credit, and stabilize my rental after nearly going into foreclosure. Daniel asks (28:17): What should I do with my surplus side hustle cash when I already max tax-advantaged accounts and have a 3.5 percent rental mortgage. Scarlet asks (49:20): If AI stocks are in a bubble like the dot-com era, is there any relatively safe way to profit from a crash, such as put options. Key Takeaways Why tackling the right problem first can change the entire trajectory of a debt recovery plan. How downsizing one major expense can unlock breathing room you didn't realize you had. The surprising factor that often matters more than interest rates when choosing between investing and debt payoff. Why flexible money becomes essential when planning for early retirement. What most people misunderstand about betting against a bubble, especially in fast-moving tech sectors. The simple portfolio shift that can help calm bubble anxiety without trying to time the market. Resources and Links GreenPath Financial Wellness – nonprofit credit counseling and debt management support for people overwhelmed by payments and afraid of bad actors in the debt relief world. Our course: Your Next Raise – a deep dive on how to negotiate a higher salary at work, with a special comp offered in this episode. Paul Merriman Four-Fund Portfolio – the simple, diversified investing framework Daniel uses inside his retirement accounts. The Big Short movie Michael Lewis and the film adaptation. 1929 book by Andrew Ross Sorkin – a historical look at bubbles and crashes. Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (0:00) Veronica's debt crisis and rental challenges (16:46) Cutting car costs and rebuilding cash flow (22:28) Debt relief programs and avoiding bad actors (28:17) Daniel's surplus cash and retirement strategy (37:52) Brokerage vs mortgage payoff discussion (49:20) Can you profit from an AI bubble burst (1:00:40) Why shorting and puts rarely pay off (1:08:18) Safer ways to position your portfolio Got a question: Call it in: https://affordanything.com/voicemail Share this episode with a friend, colleagues, your veterinarian: https://affordanything.com/episode661 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Time's running out on 2025, and there are critical financial moves you need to make before December 31st. In this episode of the BiggerPockets Money podcast, Mindy and Scott walk you through the essential year-end tasks that could save you thousands of dollars and keep your FIRE goals on track. These aren't just suggestions—they're time-sensitive opportunities that literally disappear when the calendar flips to January 1st. Whether you're aggressively pursuing financial independence or simply want to optimize your money, ignoring these year-end deadlines could cost you big. The good news? Most of these tasks take less than an hour to complete, and the payoff can be substantial. In this episode, you'll discover: How to maximize your tax-advantaged retirement accounts before contribution deadlines Why you need to spend every dollar in your FSA or lose it forever Tax-loss harvesting strategies to offset gains and reduce your tax bill Strategic charitable giving tactics that benefit both you and your favorite causes When and how to rebalance your investment portfolio for optimal performance Critical Roth conversion considerations before year-end HSA contribution limits and why maxing out matters for FIRE Required minimum distribution rules you can't ignore How to bunch deductions to maximize tax benefits The BiggerPockets Money End of Year Checklist And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

Mark Cooper, founder and CIO of MAC Alpha Capital Management, stops by The Business Brew to discuss the potential opportunity in international markets. Mark has 20 years of experience in equity investing and almost 9 years in commodity trading, working at top-tier hedge funds and mutual funds with some legendary value investors.Mark's experience prior to founding MAC Alpha Capital Management:Co-Portfolio Manager, First Eagle Investment Management, 2014 to 2019 | International Small Cap Value strategy.Portfolio Manager and Analyst, PIMCO, 2010 to 2014 | Global generalist managing a diversified quantitative U.S. equity fund.Partner and Portfolio Manager, Omega Advisors, 2005 to 2010 | Global industrials, capital goods, and commodities/energy sectors.Analyst, Pequot Capital Management, 2002 to 2004 Portfolio Manager, JP Morgan, 1992 to 2000 | Fixed income, commodities, and foreign exchange asset classes, co-managing a $50 billion notional value portfolio investing in both European and exotic options and managing a $10 billion portfolio focused on long-dated gold and silver.Adjunct Professor of Finance and Economics, Columbia Business School, 2004 to 2025| Applied Value InvestingEducation and Credentials:MBA - Columbia Business School 2002 | Bachelor of Science - Massachusetts Institute of Technology 1991. Former US Army officer Former Vice Chairman of Harlem success academy HSA #2 (a charter school) |Co-author of Value Investing: From Graham to Buffett and Beyond  – Second Edition.Sponsorship InformationThank you to ⁠⁠⁠Fiscal.ai⁠⁠⁠ for sponsoring the show. DISCOUNT INFO: If you use the affiliate link ⁠⁠⁠⁠fiscal.ai/brew⁠⁠⁠⁠, you will automatically get 2 weeks of Fiscal Pro for Free and if you find that you want to upgrade, my link will get you 15% off any paid plans. About ⁠⁠⁠Fiscal.ai⁠⁠⁠⁠⁠⁠Fiscal.ai⁠⁠⁠ is the complete modern data terminal for global equities.The ⁠⁠⁠Fiscal.ai⁠⁠⁠ platform combines a powerful user experience with all the financial data capabilities that professional investors need. Users get up to 20 years of historical financials for all stocks globally that they can easily chart, compare, or export into their own models. And unlike legacy data terminals where it can take hours or even days, ⁠⁠⁠Fiscal.ai⁠⁠⁠'s data is updated within minutes of earnings reports. ⁠⁠⁠Fiscal.ai⁠⁠⁠ also tracks all the company-specific Segment & KPI data so you don't have to. Like to track Amazon's Cloud Revenue? They've got it.How about Spotify's premium subscribers? Or Google's quarterly paid clicks?They've got all of it.

Costs creep up when you're feeding a family and homeschooling full-time. Today, Jenny Martin—founder of Southern Savers and homeschool mom of five— shares the simple system that cut her grocery bill by $500 in one month (18 years ago!), how to stock up the right way (without hoarding), where to find the best meat prices, and how to turn everyday shopping into a discipleship lab for financial stewardship. We also hit end-of-year power moves—IRAs, HSAs, insurance choices, and the 30-day “impulse pause” your kids (and you!) can actually use. This episode is a goldmine for homeschool families seeking to manage their finances wisely. Key Topics Covered: The 6-week grocery sale cycle and why buying only what's on sale changes everything Bulk meat the smart way (restaurant supply stores + vacuum sealing) Digital couponing that kids can run (Ibotta, Fetch, store apps) Delivery/pickup realities: when it saves time and when it costs more Homeschool savings: used curriculum, shared labs, fewer-but-better activities Discipleship through money: allowances vs. responsibilities, the 30-day want list Year-end checkups: IRAs (through April), HSA + high-deductible plans, tax withholding tune-up Resources mentioned Southern Savers (Connect with Jenny, grocery lists, weekly deals, Monday 8:30pm ET Q&A) Apps: Ibotta, Fetch, and your store's digital coupons (Publix, Kroger, CVS, Walgreens) Restaurant supply: US Foods Chef'Store, Gordon Food Service (regional) IRS Withholding Calculator (for a quick year-end check) Liberty University / LUOA: K–PhD pathways with a Christ-centered foundation. Teach Them Diligently 2026: Pigeon Forge, TN & Branson, MO (both in May). Buy early for best pricing at teachthemdiligently.net/events. Connect With Us: Instagram: @TeachThemDiligently Facebook: Teach Them Diligently YouTube: Teach Them Diligently Channel Subscribe + Share: If this episode helped you, take a minute to subscribe, rate, and share with another homeschool family. We sure would be grateful! Pack Shoeboxes and Earn Family Passes to Teach Them DiligentlyIf your family, co-op, church group, or community packs at least 25 shoeboxes, we would love to bless you with a free family registration in return. If you're a group, you can use that registration for your leader, as a raffle item or fundraiser, or to bless a specific family in your group. We will donate a registration for every 25 boxes you pack. Click HERE to find out how your group can be involved

The “Henssler Money Talks” hosts explore the recommended “order to savings”—and why it's not a one-size-fits-all formula. From employer retirement plans to Roth IRAs to taxable brokerage accounts, where you save first can depend on your goals, timeline, and tax picture. We break down the most common prioritization framework and help you think through the right path for your personal situation. Original Air Date: November 15, 2025Read the Article: https://www.henssler.com/your-savings-priority-list-what-to-fund-first-and-why-it-matters

Send us a textWhole body MRI is changing prevention from a guess into something you can actually see. Dr. Kevin White talks with Dr. Dan Durand, Johns Hopkins trained radiologist and Chief Medical Officer at Prenuvo, about how full body scans are catching silent problems early: from fatty liver and visceral fat to aneurysms, early cancers, and brain changes linked to cognitive decline and dementia. They unpack how Prenuvo's model pairs deep imaging, multiomic data, and real conversations with clinicians so patients do not just get a data dump, but a clear plan for what to do next.“Think of a whole body MRI as a home inspection for your health: you want to find the hidden leaks before the ceiling caves in.” – Dr. Dan DurandYou'll hear: • Why traditional screening only looks at a few organs and what whole body MRI adds • How often Prenuvo finds serious issues early and what that means for real people • The link between visceral fat, brain volume, and long term cognitive health • How AI is being used to measure brain regions, muscle, and fat with precision • Why reassurance from a clean scan can be just as powerful as a life saving catch • How to think about timing, HSA dollars, and making this part of your prevention planLearn more about Prenuvo and their whole body MRI at prenuvo.com.

November 17, 2025 | Season 7 | Episode 42Markets don't wait for your plan to catch up. We open with a clear framework for year-end positioning that blends mindset with mechanics—how identity-based habits and focus can keep you from selling lows, chasing highs, or ignoring life changes that matter more than headlines. From there, we map the macro forces likely to shape returns over the next few quarters and what to do about them.China's deflation is no longer a blip; it's a loop. With broad price declines, soft wages, and pressure on multinationals, the ripple effects are reaching U.S. margins and global pricing power. We break down why zombie firms appear when prices fall faster than costs and what a real Chinese stimulus—monetary or fiscal—would mean for cyclicals, luxury, autos, and U.S. brands tied to Chinese demand.On the home front, the AI buildout is massive, but so is the debt financing it. We connect the dots between data-center capex, falling hardware costs over time, and the unforgiving math of credit. Equity investors can spread bets; bond investors cannot. With credit default swaps flashing caution and the Fed signaling less certainty on cuts, balance sheets, cash generation, and pricing power move to the top of the checklist. We share practical steps: tiered cash buffers, laddered fixed income, disciplined rebalancing, and a focus on businesses that earn their keep at higher discount rates.We also zoom out to your “life portfolio,” including the rise of concierge medicine. It won't guarantee longevity, but it can improve access and coordination—now with limited HSA support. The real lesson is integration: healthcare, liquidity, and goals belong in the same plan as your asset allocation. Finish with a punch list for 2026: update goals, retest risk tolerance, stress test for higher-for-longer rates and China-driven disinflation, and trim exposures that only work if everything goes right.If this helped sharpen your playbook, subscribe, share with a friend who's planning year-end moves, and leave a quick review with one takeaway you're acting on next.** For informational and educational purposes only, not intended as investment advice. Views and opinions are subject to change without notice. For full disclosures, ADVs, and CRS Forms, please visit https://heroldlantern.com/disclosure **To learn about becoming a Herold & Lantern Investments valued client, please visit https://heroldlantern.com/wealth-advisory-contact-formFollow and Like Us on Youtube, Facebook, Twitter, and LinkedIn | @HeroldLantern

Open Enrollment season is here—and it's one of the most overlooked financial opportunities employees have all year. In this episode, we break down the biggest mistakes people make when reviewing their employer benefits and how to approach your plan as if you were a brand-new hire. Richard Rosso & Jonathan McCarty tackle the smart way to choose health insurance, whether young workers really need life insurance, and which “it'll never happen to me” benefits can make or break your financial stability. We'll also explore where employer benefits are heading in 2025—what companies are offering, what employees actually want, and how to make sure you're getting the most value out of your compensation package. Whether you're picking between an HSA or PPO, weighing disability coverage, or wondering if the “fun stuff” like wellness perks and lifestyle accounts are worth it—this guide helps you optimize your choices and avoid costly mistakes. 0:00 - INTRO 0:19 - Pennies are Going Away 5:02 - Open Enrollment Season is Here 7:40 - ADP Benefits Survey Results 13:04 - Understanding the Difference Between HSA vs FSA 17:40 - Retirement Savings Plans - Roth vs 401k 14:58 - Group Health Insurance vs ACA 21:40 - Mental Health Coverage 23:26 - Dental & Vision Coverage Options 27:13 - Don't Be Complacent 27:55 - On-site Facilities - Wellness & Day Care 29:57 - Disability Coverage - Max It Out 32:10 - Life Insurance Coverages 34:08 - How Kids Age Us 37:22 - Childcare Benefits

Open Enrollment season is here—and it's one of the most overlooked financial opportunities employees have all year. In this episode, we break down the biggest mistakes people make when reviewing their employer benefits and how to approach your plan as if you were a brand-new hire. Richard Rosso & Jonathan McCarty tackle the smart way to choose health insurance, whether young workers really need life insurance, and which "it'll never happen to me" benefits can make or break your financial stability. We'll also explore where employer benefits are heading in 2025—what companies are offering, what employees actually want, and how to make sure you're getting the most value out of your compensation package. Whether you're picking between an HSA or PPO, weighing disability coverage, or wondering if the "fun stuff" like wellness perks and lifestyle accounts are worth it—this guide helps you optimize your choices and avoid costly mistakes. 0:00 - INTRO 0:19 - Pennies are Going Away 5:02 - Open Enrollment Season is Here 7:40 - ADP Benefits Survey Results 13:04 - Understanding the Difference Between HSA vs FSA 17:40 - Retirement Savings Plans - Roth vs 401k 14:58 - Group Health Insurance vs ACA 21:40 - Mental Health Coverage 23:26 - Dental & Vision Coverage Options 27:13 - Don't Be Complacent 27:55 - On-site Facilities - Wellness & Day Care 29:57 - Disability Coverage - Max It Out 32:10 - Life Insurance Coverages 34:08 - How Kids Age Us 37:22 - Childcare Benefits

Uncover the left's latest Trump-Epstein Thanksgiving hoax, debunked by White House logs and photos showing Trump at Mar-a-Lago, far from any scandal. Explore the 2025 HSA boost plan to expand limits and tax advantages to empower your health savings. Break down AFP's seven-figure ad blitz slamming Sen. Ossoff over shutdown votes and health care failures with Tony West. Get essential intel on the SNAP reapply mandate, recertification rules shaking up welfare amid reforms. Plus, urgent alerts on a potential new Ice Age gives us flashbacks to the 70s. Tune into Ep. 218 of The Alan Sanders Show for unvarnished truth! Please take a moment to rate and review the show and then share the episode on social media. You can find me on Facebook, X, Instagram, GETTR,  TRUTH Social and YouTube by searching for The Alan Sanders Show. And, consider becoming a sponsor of the show by visiting my Patreon page!

Kelley discusses various strategies for managing 401k plans, including tax-saving techniques and the role of annuities in retirement planning. She emphasizes the importance of having a comprehensive financial plan that includes tax strategies, estate planning, and risk management. The conversation also addresses common misconceptions about annuities and the need for proper diversification in investment portfolios. Listeners are encouraged to take proactive steps in organizing their financial houses and to seek professional guidance for their unique situations. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Join the community built to help you master your money, stay accountable, and reach financial freedom.

Jesse returns for the 10th "Ask Me Anything" episode to tackle three listener questions that cut to the core of modern wealth planning. He opens with a deep dive into direct indexing, separating substance from sales pitch. While advocates tout it as the next evolution of indexing—combining personalization and tax-loss harvesting—Jesse explains why, for most investors, the extra complexity, cost, and tracking error outweigh the modest tax advantages, making low-cost ETFs the better long-term choice. Next, he answers a question from a listener whose retirement timeline doesn't align with their spouse's, exploring how couples can navigate income changes, healthcare coverage, and tax strategy when one partner stops working years before the other. He breaks down the pros and cons of filing jointly versus separately, showing why joint filing almost always leads to lower overall taxes and greater flexibility. Finally, Jesse delivers a masterclass on decumulation—the art and order of withdrawing money in retirement. From spending taxable assets first to preserving Roth and HSA accounts for last, he maps out how smart sequencing, Roth conversions, and bracket management can extend portfolio life, minimize taxes, and keep retirees financially steady through every stage of the journey. Key Takeaways:• Direct indexing isn't revolutionary for most investors—it's often an overhyped, higher-cost alternative to low-cost ETFs with limited long-term benefits. • Married filing jointly is almost always the better tax choice, offering lower overall tax rates, higher standard deductions, and broader eligibility for credits. • Before changing filing status, couples should test both scenarios using online 1040 tax calculators to see the real impact on their total tax bill. • Guardrail and Monte Carlo strategies help retirees adjust withdrawal rates dynamically based on market performance, rather than using a rigid 4% rule. • HSAs can be used as stealth retirement accounts, reimbursing decades-old medical expenses tax-free or even acting as traditional IRAs after age 65. • The key to successful retirement planning is flexibility—balancing tax efficiency, market uncertainty, and personal goals to ensure sustainable income for decades. Key Timestamps:(02:24) – Tax Loss Harvesting: Strategies and Examples (10:06) – Direct Indexing: Pros and Cons (17:18) – Financial and Tax Planning for Lopsided Retirements (24:09) – Retirement Withdrawal Order of Operations (32:39) – Real-Life Financial Planning Experiences (40:56) – Roth Conversions and Tax Bracket Management (45:37) – Optimizing for Post-Death and Social Security Timing (52:26) – Common Mistakes in Retirement Withdrawal Strategies Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:https://bestinterest.blog/retirement-withdrawal-order-of-operations/ https://www.guidestone.org/resources/education/calculators/tax/tax1040 https://bestinterest.blog/0-capital-gains-vs-roth-conversions-how-to-optimize-in-your-financial-plan/ https://bestinterest.blog/spousal-survivor-divorced-social-security/  More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

Lifelong Learning: Financial Survival in Uncertain Times

Most people think index funds are the only path to financial independence—and they'll get you there in 15-20 years. But what if you could get there faster? In this episode, Mindy Jensen and Scott Trench team up with John Bowens from Equity Trust to reveal advanced portfolio strategies that can accelerate your FIRE timeline. This episode covers: Strategic allocation across your Roth IRA, HSA, and 401(k) to maximize tax advantages How to hold alternative investments like real estate, private equity, and crypto inside tax-advantaged accounts Tax loss harvesting strategies that can save you thousands Managing physical gold within retirement accounts Balancing aggressive and conservative investments for optimal growth Advanced tactics for tax-efficient portfolio optimization Whether you're building wealth aggressively or protecting what you've already built, this episode gives you the roadmap to optimize every account for maximum tax efficiency and long-term growth. And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

The R&I guys are back! Host First Officer Ryan Argenta sits down with Captain Scott Bowles and Captain John Doherty from ALPA's Retirement & Insurance Committee to talk smart money, savvy timing, and how pilots can make major-league financial plays through the new Non-Qualified Deferred Compensation (NQDC) plan. Whether you're eyeing tax strategy, income flexibility, or long-term planning, learn how to harness a little Bobby Bonilla energy - turning today's earnings into tomorrow's steady paychecks. We cover eligibility, tax-deferral tactics, in-service vs. retirement/termination distributions, market exposure, and practical risk checks, including insolvency considerations and timing gotchas. After the break, we shift to Open Enrollment 2026: plan changes, HSA reminders, GVUL considerations (including the imputed-income play), and simple to-dos so you don't leave money on the table. It's practical, pilot-specific financial insight with a side of humor and real-world strategy. An overview of the NQDC and related MOU details can be found in R&I Update 25-03. The FAQs can be accessed directly at Newport NQDC FAQs. The first round of Newport-hosted webinars has concluded; however, pilots can watch a replay of the Plan Design Overview Meeting  via Deltanet. Disclaimer: This episode is for informational and educational purposes only and is not financial, tax, or legal advice. Talk with your own financial advisor, tax professional, and/ or attorney before making enrollment decisions.

Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management, joins Steve Gruber to break down smart strategies for your retirement and investments. From new IRA, 401(k), and HSA contribution limits to catch-up rules for those over 50, Nick explains how to make the most of your money. He also compares Wirehouse advisors to RIAs, discusses the impact of the government shutdown on retirement planning, and weighs in on the latest mortgage trends. To get a free Social Security analysis and a second opinion with Nick and his team of CFPs to retire with confidence, visit peakwm.com/gruber.

What if the support you need during pregnancy and postpartum is already available... You just haven't been shown how to access it?! In this episode of Chick Chat, Nina sits down with Pachet Bryant, Founder of MINE Maternity and Pregnancy/Postpartum Care Coordinator, to explore how families can actually afford the care they need and deserve. From insurance benefits and HSA/FSA funds to employer perks and nonprofit programs, this conversation breaks down the exact tools that can help you plan ahead, reduce financial stress, and receive more comprehensive support during this transformative time. You'll learn:

Donate (no account necessary) | Subscribe (account required) Join Bryan Dean Wright, former CIA Operations Officer, as he dives into today's top stories shaping America and the world. In this Monday Headline Brief of The Wright Report, Bryan covers the tentative deal to end the U.S. government shutdown, new debates over healthcare reform, the Supreme Court's surprise ruling on food stamps, major flight disruptions nationwide, and the latest developments on immigration, the Deep State, and America's economy. Shutdown Deal Reached — Maybe: The Senate passed a bill to reopen the government, but House Democrats say they'll block it over missing Obamacare subsidies. The White House is proposing a new alternative — direct cash for Health Savings Accounts instead of insurance company subsidies — a move Democrats call "backdoor privatization." Supreme Court Blocks Full Food Stamp Payouts: Justice Ketanji Brown Jackson sided with the Trump administration, overturning a lower-court order that forced states to issue full SNAP benefits. Some states had already paid out 100 percent before the ruling, creating fresh confusion and federal threats of penalties. Air Travel Meltdown: Over 5,000 flights were delayed or canceled as the shutdown sidelined air traffic controllers and a blizzard slammed Chicago. Bryan quips, "Might be time to trade in your plane ticket for a horse and buggy." Stimulus Checks and 50-Year Mortgages: The White House floated $2,000 stimulus payments funded by tariff revenue, though the legality of those tariffs is now before the Supreme Court. Trump officials are also exploring 50-year mortgages and partial government ownership of homebuilders to lower housing costs — a plan critics call "socialism in disguise." Minneapolis Election Exposes Somali Clan Politics: A near-upset in Minneapolis revealed how imported clan rivalries from Somalia are shaping U.S. elections. Ilhan Omar blamed her own clan's betrayal for a socialist ally's loss. Bryan warns, "We're not melting anymore — we're balkanizing." New York's Marxist Mayor and Chicago's Chaos: NYC's new mayor Zohran Mamdani quoted Marxist Eugene Debs in his victory speech and declared his city "belongs to the foreigners who built it." Meanwhile, in Chicago, DHS agents came under gunfire during a deportation operation, showing how Operation Midway Blitz is meeting armed resistance. Deep State Investigations Expand: The Blaze identified a possible suspect in the January 6th pipe bomb case — a former Capitol Police officer turned CIA employee — while a grand jury in Florida subpoenaed John Brennan, Peter Strzok, and Lisa Page over the Obama-era Crossfire Hurricane probe. Trump Targets Meatpacking Monopolies: The DOJ is investigating whether the "Big Four" packers — Tyson, JBS, Cargill, and Marfrig — are price-fixing and harming U.S. ranchers. Bryan says the move is part of a broader White House effort to reconnect with its working-class base ahead of the 2026 midterms.   "And you shall know the truth, and the truth shall make you free." - John 8:32     Keywords: government shutdown 2025, Obamacare subsidies HSA plan, Supreme Court food stamp ruling, flight cancellations storm Chicago, $2000 stimulus tariffs Supreme Court, 50-year mortgage housing policy, Ilhan Omar Somali clan politics Minneapolis, Zohran Mamdani socialist NYC mayor, Chicago ICE shooting Operation Midway Blitz, John Brennan Crossfire Hurricane subpoena, Trump meatpacker monopoly DOJ investigation

In this episode of Pilot's Portfolio, Certified Financial Planner and GA pilot Tim Pope helps pilots close out the year with clarity and confidence. As 2026 approaches, new tax and retirement contribution rules are set to take effect—and Tim explains what they mean for your paycheque, your savings, and your strategy. From 401(k) and IRA limit increases to the controversial new Roth “catch-up” rule, this episode unpacks how to plan ahead and avoid falling into what Tim calls a “2026 tax grab”. Tim also encourages reflection on your 2025 financial wins, the goals that didn't quite land, and what to do differently next year. Whether you're celebrating a major milestone, planning a move, or eyeing your next savings target, this episode helps you finish the year strong and start 2026 with a smarter plan.What You'll Learn from This EpisodeHow to reflect on 2025's financial wins and identify what to improve in 2026.Which 401(k), IRA, and HSA contribution limits are changing in 2026—and how to plan for them.The truth behind the new Roth-only catch-up rule for earners above $145,000.How to decide between Roth and pre-tax contributions for tax efficiency.The differences between 401(k)s and IRAs—and why each matters for pilots.What “super catch-up contributions” mean for those aged 60–63.How to use reflection, discipline, and timing to turn frustration into financial advantage.Why 2026 may feel like a “tax grab”—and how to stay ahead of it.Resources:Schedule An AppointmentOur Practice's WebsiteSend Us Your Questions: info@pilotsportfolio.comThis episode is sponsored by: Beacon RelocationBeacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent's commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot's Portfolio, in its separate and individual capacity. We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements. Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites' privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information. Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.

‼️”Biblical Water. Wearable Med Beds. Free Energy”‼️

Maximize Your Business Tax Savings with Expert Tips from Douglas Carpenter Books4hospitality.com About the Guest(s): Douglas Carpenter is a seasoned financial expert with over 40 years of experience in the industry. As a Certified Public Accountant (CPA) and Chartered Financial Analyst (CFA), Douglas started his career as the youngest registered stockbroker in America at the age of 17. He has worked at a top four accounting firm and held various consulting and chief financial officer roles. Currently, Douglas owns and operates Comprehensive Accounting Solutions, providing a full spectrum of accounting services, particularly for small businesses and the hospitality sector. Episode Summary: In this engaging episode of The Chris Voss Show, Chris talks with Douglas Carpenter, a renowned CPA and CFA, about smart financial strategies for businesses as the year-end approaches. Douglas shares his extensive knowledge on tax-saving tactics, business accounting, and financial planning, aiming to help business owners maximize their tax returns and keep more money in their pockets. As tax season looms on the horizon, Douglas's expert advice is especially pertinent. Throughout the conversation, Douglas delves into various strategies for minimizing tax liabilities, discussing everything from different business structures like S Corps and C Corps to the importance of understanding cash flow and business accounting. He offers insights into how businesses can leverage opportunities for tax deductions, highlighting the need for strategic financial planning throughout the year. The importance of having a knowledgeable tax advisor is also emphasized, with Douglas warning against the risks of poorly managed finances and tax filings. Key Takeaways: End-of-Year Tax Strategies: Business owners should focus on maximizing their tax efficiency before the end of the year, utilizing strategies such as HSA contributions, equipment purchases, and appropriate salary distributions. Business Structure Insights: Choosing the right business structure (e.g., S Corp, C Corp) is crucial for tax efficiency and should align with your overall financial strategy. Professional Financial Advice: Engage a qualified CPA for expert financial advice and ensure you are not overpaying on taxes. Relying on professional help can unveil potential savings. Importance of Documentation: Meticulous record-keeping and proper documentation of business expenses are essential and can lead to significant savings if managed correctly. Cash Flow Management: Douglas highlights the critical nature of cash flow management for businesses, asserting that understanding and predicting cash flow are crucial for sustaining and growing a business. Notable Quotes: "Billionaires do pay taxes. They don't overpay taxes. You shouldn't overpay your taxes either." "What are you going to do different next quarter that you didn't do this quarter?" "Fulfill your obligations, but don't pay more than you absolutely have to. There's a lot more that people leave on the table than they realize." "Don't cheat on your taxes. It's not worth the risk when you can save in legal ways." "Cash flow is the lifeline of any business. Knowing where your business stands today and where it's headed is crucial."

For the most part, FSAs are a “use it or lose it” deal. In this episode, Art unpacks how flexible spending accounts work, the mistakes that could cost you money, and some surprising purchases that qualify for FSA dollars. Don't let that money disappear—put it to good use before the year ends!Resources: 8 Money MilestonesChristian Money HelpAsk a Money Question!

"I had no idea. I didn't know what an HSA was, all the acronyms—HRA, HSA, HDHP, ERISA. I really had to learn all of that." When Tammy Sun pitched her fertility startup a decade ago, the category she was building didn't exist. Investors dismissed it as a lifestyle business, a niche play unworthy of venture capital. After 99 rejections, she raised her first million. Today, Carrot Fertility operates in 170 countries, serving millions in a market that didn't even have a name when she started. This conversation arrives at an inflection point. Women over 40 represent the only demographic having more babies, while one in six couples confronts infertility—a number experts believe vastly undercounts reality since you're only counted if you can afford to seek care. Sun saw these contradictions not as obstacles but as opportunities. Without a male co-founder, without prior startup experience, without even knowing basic healthcare acronyms, she built one of the most valuable fertility companies in the world. Her secret wasn't expertise. It was embracing what she didn't know. "Having a beginner's mind and coming in with curiosity and excitement and imagination around the art of what is possible—I can't think of an area of the world that needs it more now than healthcare", Sun explains. From that first million that was "the hardest million dollars I ever raised" to expanding beyond fertility into what she calls "post reproductive fertility care" with their menopause product—which became their fastest growing product ever—Sun has earned the right to her radical advice about imposter syndrome: "You can totally ignore it. You can pretend like it doesn't exist, and you can just act the way that you feel like you should act." In this episode of Inspiring Women with Laurie McGraw, discover how a non-professional founder transformed a personal fertility crisis into a global healthcare platform. From recognizing that "half of all infertility is related to male factor" to launching Sprints at the nexus of metabolic and fertility care, Sun reveals why the future of women's health isn't about incremental improvements to a broken system. It's about having the audacity to imagine something entirely new. For Tammy Sun, building in the space between naivete and expertise isn't a disadvantage. It's the only way to create categories that don't yet exist. In a world where knowing too much can blind you to what's possible, she's proof that sometimes the best qualification for changing healthcare is not knowing why it can't be changed. Key Insights: Why the fastest-growing fertility demographic reveals everything about modern family planning How embracing ignorance became a competitive advantage in healthcare innovation The hidden truth about male factor infertility that affects half of all cases Why imposter syndrome is a luxury founders can't afford How moving from California to Arkansas changed everything What GLP-1s mean for the future of fertility and healthcare About the Guest: Tammy Sun is the Founder and CEO of Carrot Fertility, now operating in almost 170 countries after starting with 12. Without prior founder experience or healthcare expertise, she transformed a personal fertility journey into a category-defining company. She built Carrot into one of the most valuable fertility platforms globally, expanding from fertility into menopause and metabolic fertility care. Chapters 2:03 The State of Women's Health and Political Landscape 4:51 Origin Story: Building a Category from Scratch 8:01 Fertility Trends and the Education Gap 11:41 Raising the First Million: The Founding Journey 15:11 Embracing the Beginner's Mind in Healthcare 16:41 The Future: From Fertility to Lifelong Care 22:38 Advice for Women Founders: Throwing Away Imposter Syndrome Guest & Host Links Connect with Laurie McGraw on LinkedIn Connect with Tammy Sun on LinkedIn Connect with Inspiring Women Browse Episodes | LinkedIn | Instagram | Apple | Spotify

Don answers a range of listener questions covering topics from Fidelity's fully paid lending program to the Roth 401(k) decision and mortgage payoff strategies. He explains why stock lending rarely adds much value for ETF investors, why paying off a 2.6 percent mortgage makes little financial sense, and why even Berkshire Hathaway isn't a substitute for true diversification. Listeners also learn about HSA payroll tax savings and how to build Roth flexibility without triggering the pro-rata rule. 0:04 Friday Q&A intro and listener invitation 1:25 Fidelity's fully paid lending program explained—small returns, limited upside 3:47 When stock lending might make sense for rare or hard-to-borrow shares 4:33 Mortgage payoff debate—2.6% rate vs. 7% investing return 5:30 Don confirms: investing wins, emotion aside 7:09 Caller argues for Berkshire Hathaway B as the “perfect” one-stock portfolio 9:14 Don dismantles the myth—Buffett's own warnings, risk concentration 11:23 401(k) vs. Roth 401(k)—how to decide and why a plan matters 14:04 Backdoor Roth options for self-employed spouses 15:32 Importance of long-term planning once portfolios near $1 million 15:56 HSA payroll advantage—no Social Security tax on contributions 17:11 Using a Roth to store “extra mortgage” money until retirement 18:08 Why paying off a low-rate mortgage later may not make sense 19:37 Free fiduciary portfolio checkup offer from Apella Wealth Learn more about your ad choices. Visit megaphone.fm/adchoices

#037 How You Can Control Your Healthcare Costs explains how your premium costs are a direct reflection of the amounts paid to doctors, hospitals and pharma and what you can do to help yourself lower your costs by comparing.It's Open Enrollment season.  Confused?You can only control what you can control.  If you need help, ring me up at scottwdowling@scottwdowling.comHelp yourself by checking healthcare prices.  Two great spots to look and keep your doctor and hospital honest:Surgery Center of OklahomaMark Cuban Cost Plus DrugsWatch Dr. Keith Smith and Mark Cuban testify before Senate Committee on AgingIs your HSA set up correctly?  If you don't know and want to get ready for 2026, keep an eye out for my upcoming workshop.  Check your balances now and what your plan's maximum out of pocket is for next calendar year.  Don't miss out on saving the most you can with your HSA!  Workshop coming up in late November and early December.Follow me on X: @scottwdowling and @doxcost

In this episode, Mat Sorensen and Mark J. Kohler dive into one of the most underrated wealth-building tools out there: the Health Savings Account (HSA). With open enrollment around the corner, it's the perfect time to rethink your healthcare strategy and unlock the triple-tax advantages of this incredible account.Mat and Mark break down how an HSA can save you thousands in taxes, how to qualify for one, and how to self-direct your HSA into assets you actually believe in. From real estate and crypto to precious metals and private businesses, they share real examples, walk through contribution rules, and reveal how to make your HSA a long term investment vehicle that can cover everything from braces to retirement healthcare costs, completely tax free.Whether you're an entrepreneur, investor, or just someone tired of overpaying for insurance, this episode will open your eyes to the power of the HSA and why it should be part of your wealth strategy today.Chapters: 0:06 - Why HSAs Matter Now0:25 - High Deductibles And Real Costs0:55 - Self-Directing Your HSA1:17 - The Triple Tax Advantage Explained2:46 - Real-World Growth Examples4:06 - Level One Vs Level Two HSA6:10 - Contribution Limits And Deadlines8:16 - Contribute Early For More Growth 9:12 - Getting HSA-Eligible Insurance11:14 - Last Month Rule And Plan Changes12:17 - Catch-Up Contributions After 5513:22 - Choosing The Right HSA Provider14:47 - Steps To Set Up And Fund16:33 - What You Can Invest In18:21 - Reimbursements And Qualified Expenses20:11 - Wrap-Up, Resources, And DisclaimersDirected IRA Homepage: https://directedira.com/ Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA Book a Call: https://directedira.com/appointment/ Other:Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

Each year, Americans contribute over $100 billion to flexible spending accounts (FSAs) and health savings accounts (HSAs) for healthcare expenses. However, the “use it or lose it” rule for FSAs results in nearly half of Americans missing out.    Tune in for Optometrist Dr. Aaron Luekenga who is here to share with us helpful tips and suggestions on maximizing the benefits of an FSA or HSA.Moments with Marianne Radio Show airs in the Southern California area on KMET1490AM & 98.1 FM, an ABC Talk News Radio Affiliate! https://www.kmet1490am.comAaron M. Luekenga, OD, is an optometrist at Heritage Valley Eye Care Optometric Center in Fillmore, CA. He received his BS from Brigham Young University and his OD from Southern California College of Optometry. Dr. Luekenga began his clinical work with the U.S. Navy, serving as an officer and treating F18 fighter pilots, their crew, and families. He received specialty training in treating ocular trauma, eye diseases, and laser eye surgery. His clinical interests include ocular diseases, family practice eye care, contact lenses, and dry eye treatment. Dr. Luekenga joined Heritage Valley Eye Care in 2005. He is a Key Advisor to PERC. Dr. Luekenga has been consulting for Alcon since 2019. www.wrappedincomfort.netFor more show information visit: https://www.mariannepestana.com/

Jeremiah Bates and Alex Lundgren team up with Steve Marsh from Medical Plans of Idaho to unpack a huge issue looming over millions of Americans — the potential expiration of enhanced premium tax credits under the American Rescue Act. With these provisions set to sunset after 2025, many could see premiums spike by 75–80% going into 2026! They explain what the "400% federal poverty level" threshold means for your wallet, who's most at risk, and what you can do now to prepare. The discussion dives into both individual health plans and Medicare, including the major changes to Advantage plans in Idaho — from disappearing zero-premium options to how retirees can use this year's guaranteed issue window to upgrade coverage. The hosts also share proactive tax and income planning strategies — from HSA contributions and 401(k) deductions to managing self-employment income — that could make or break your eligibility for crucial tax credits.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alexandra Lundgren

In this episode we answer emails from Eva, Jess and Mr. Toxic.  We discuss the three levers of safe withdrawal rates applied to a listener's upcoming retirement situation, running test risk parity style portfolios to get some practice like with have done with Bigger Pockets money, and what little we know about HSAs.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterHow To Do An Asset Swap Video from Risk Parity Chronicles:  How to Do an Asset SwapJackie Cummings Koski on Investing with HSAs:  Investing With The Health Savings Account - Define Your Legacy W/ Jackie Cummings KoskiBigger Pockets Money Test Risk Parity Style Portfolio:  We Built a 5% SWR Retirement Portfolio Using Fidelity in 48 Minutes (Golden Ratio Portfolio)Breathless Unedited AI-Bot Summary:Most retirement plans stumble not on math, but on mechanics. We sit down with a listener who's 55, VTI-heavy in a taxable account, and ready to pivot into a modified golden ratio portfolio—then unpack a practical path to move from concentration to resilient diversification without lighting up a massive tax bill. Along the way, we map out the three levers that quietly raise your safe withdrawal rate: portfolio design, baseline expenses, and personal inflation that often runs 1–2% below CPI.We get specific on asset location and reallocation: placing treasuries and managed futures in tax-deferred accounts, using gold and equities where they're most tax-efficient, and gradually trimming VTI by targeting favorable tax lots and capital gains brackets. If you've wondered whether a small cap value tilt can help, we explain how it can reduce volatility and lift a portfolio's historical withdrawal capacity by roughly 0.5–1%—and how to pursue it at a measured pace. We also clear up a common confusion: rebalancing returns you to your target mix; reallocating changes the target itself.Then we turn to HSAs. They're a triple tax-advantaged powerhouse for you, but a poor inheritance vehicle for kids who must recognize the balance as income in a single year. We break down the strategy of saving receipts, the shift at age 65 when non-medical withdrawals are IRA-like, and why timing HSA spending for higher-income retirement years often makes sense. Don't count on a costly end-of-life to “use it up”—many don't have that trajectory. A smarter approach draws down the HSA earlier for qualified costs and Medicare premiums while avoiding a tax bomb for heirs.We wrap with weekly portfolio reviews across classic and levered models and a reminder that simple beats clever: a resilient allocation, tax-savvy placement, and flexible spending can carry you from early retirement through Social Security and beyond. If this helped tighten your plan, follow the show, leave a review, and share it with a friend who's staring down a VTI-heavy portfolio and wondering where to start.Support the show

Jim and Chris discuss listener questions on how Medicare enrollment affects HSA contributions, Social Security survivor benefits and IRMAA adjustments, financial advisor fee disclosures, and the Thrift Savings Plan (TSP) as a tool in retirement planning.(10:00) A listener asks whether enrolling in Medicare in December with coverage starting in January limits HSA contributions due to […] The post HSA Contributions, Social Security, Fee Disclosures, TSPs: Q&A #2543 appeared first on The Retirement and IRA Show.

Don and Tom tackle another full “Q Day,” answering listener questions on Roth fund selection, bond fund gimmicks, real estate returns, California's odd HSA tax treatment, switching from Vanguard to Avantis, copying politician trades, and whether Vanguard's Cash Plus account beats its money market fund. The episode mixes practical investing logic with humor, skepticism, and a bit of Don's plug for his new storytelling podcast, New Tales Told. 0:04 Q Day begins — Don riffs on “Q” words and high-quality listener audio 1:42 Betsy from Minnesota asks: best funds for a Roth IRA (AVUV, VOO, AVGE) 2:39 Don suggests simplifying to AVGE, but warns of risk and emotional resilience 4:12 Jesse from Seattle on CPAG “tax-efficient” bond ETF — Don calls it a gimmick 5:55 Don's math: CPAG only helps slightly at 35% tax bracket, not worth complexity 9:06 Listener compares 403(b) vs. home value growth — Don confirms results typical 12:45 Real estate's weak real return over time and lifestyle vs. investment value 12:45 California HSA confusion — Don explains CA taxes HSAs like normal accounts 15:22 Nathan from Georgia: Vanguard vs. Avantis funds, and “copy politician trades” 17:20 Don: Avantis adds small/value tilt, AVGE can simplify portfolio management 19:14 Don: “copy-trade” apps are expensive, delayed, and silly gimmicks 20:58 James from Virginia: Vanguard Cash Plus vs. money market funds 22:34 Don explains FDIC difference and risk-reward tradeoff, prefers money market 24:11 Closing reflections, legacy talk, and plug for New Tales Told Learn more about your ad choices. Visit megaphone.fm/adchoices

You may soon be eligible for one of Clark's favorite saving & investment accounts - The HSA. Big changes are coming to the HSA world in 2026. Also today, despite the end of EV credits, how much cheaper it is to run an EV vs a hybrid vs a gas engine car?  Clark helps you calculate what makes the most sense financially over time, when it comes to your vehicle choice.  HSA Changes: Segment 1 Ask Clark: Segment 2 EV vs Hybrid vs Gas: Segment 3 Ask Clark: Segment 4 Mentioned on the show: IRS Announces New Tax Brackets and Other Changes for 2026 Where Should I Set Up My Health Savings Account (HSA)? Reminder: The Basics of Using HSA Funds 5 Money Tips To Know Before You Travel Abroad Your Passport Could Be Useless -- Even if It's Not Expired NYTimes: How Much It Costs to Drive an E.V. and a Gas Car in Every State How To Buy a Used Car How To Refinance a Car Loan: A Step-by-Step Guide Auto Loan Refinance Calculator - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textA single medical bill can wipe out your profits. But health expenses don't have to drain your cash flow. In this episode, you'll learn three powerful ways to turn your medical costs into legitimate tax deductions. From self-employed health insurance and Health Savings Accounts (HSAs) to Section 105 reimbursement plans and employee health benefits, these strategies can help business owners save thousands while staying fully IRS-compliant.

Open Enrollment Reactivation: How Clinics Turn Past Patients into Six-Figure Months (with Jeremy Dupont) In this episode, Doc Danny Matta sits down with Jeremy Dupont (founder of Patch) to break down the most reliable campaign in cash PT: Open Enrollment. They cover simple and advanced playbooks for reactivating past patients, the offers that convert (and why), how to mobilize your team, and what realistic results look like for a growing clinic. Quick Ask Help us move toward our mission of adding $1B in cash-based services to physical therapy—share this episode with a clinician friend or post it on your Instagram stories and tag Danny. He'll reshare it! Episode Summary Low-hanging fruit: Reactivation beats cold lead gen. Past patients already know, like, and trust you—bring them back with a clear, time-bound offer. Timing that works: Run Open Enrollment mid-September to early November to avoid competing with Black Friday and holiday noise. Proven offers: Classic 12 for 10 pack (two “free” visits or a clear $-savings) and a higher-commitment 24 for 20 pack (often on a 3-pay plan) to grow LTV and stabilize MRR. Clinical cadence: Frame packages for twice-monthly visits (habit & outcomes), not “stretch it for a year.” Families often share bigger packs. FSA nudge: “Use it or lose it.” Encourage spending FSA dollars before year-end; HSA rolls, FSA often doesn't. Manual > fancy: Individual reach-outs (text, call, in-person) outperform gimmicks. Emails nurture; humans convert. Team power: Involve providers in personalized follow-ups. Incentives like a Christmas week off can crush goals. Results you can expect: A clinic with an owner + two staff PTs commonly sells 20–30 packages when they execute well. Lessons & Takeaways Offer clarity wins: Know exactly what you're selling and how you'll message savings and value. Context is king: Choose channels and scope based on capacity. Don't flood a full schedule. Nurture all year: A warm list responds; a cold list ignores asks. Give value before you ask. Plan the calendar: Open Enrollment → Black Friday → Holidays → New Year. Map campaigns, staffing, and hiring to demand. Mindset & Motivation It's an ecosystem: Reactivation is part of your hiring, space, continuity, and cashflow strategy—not a one-off promo. Follow-up is a skill: Segmented, human follow-up turns “maybe later” into revenue now. Give, give, ask: Consistent education builds reciprocity. Then earn the right to sell. What Works (Tactical) Simple path (solo or lean): Pick one clear offer (12 for 10), email your list, text/call past patients, and have providers invite current patients who are nearly out of visits. Advanced path (bigger teams): 5–6 email drip over 2–3 weeks, landing page specific to Open Enrollment (not your contact page), track opens/clicks and manually follow up with “warm” engagers. Personalization buckets: Current patients with 2–3 visits left, past patients who finished care recently, old leads who inquired but didn't buy—each gets tailored copy and a direct ask. Motivate the team: Group goals (e.g., hit X packages = Christmas week off). Time off > small cash bonuses. Avoid time wasters: Fancy video email “personalization” tools didn't move the needle. In-person and 1:1 messages did. Notable Quotes “Reactivation is the lowest hanging fruit—people who already trust you just need a clear reason to come back.” “If the last time you emailed your list was last Open Enrollment, don't expect fireworks.” “Less is more: pick the right window, keep the offer simple, and follow up like a pro.” Pro Tips for Owners Define the offer: Choose 12 for 10 or 24 for 20 (with 3-pay). Set the clinical cadence (2x/month). Own the landing page: Dedicated Open Enrollment page with a single CTA—don't dump traffic on a generic contact form. Mine your analytics: Build manual follow-up lists from people who opened multiple times or clicked the CTA. Right-size promotion: If you're at capacity, keep it tight (email + in-clinic). If you're feeding 6–7 PTs, amplify everywhere. Think families: Position bigger packs for active households who'll share visits across the year. Action Items Pick your Open Enrollment dates (target mid-Sept to early Nov) and one offer. Spin up a simple landing page with FAQs and a clear “Talk to Us” form. Segment lists: current (low visits left), past 3–6 mo, old leads. Draft 3 tailored scripts. Schedule a 5-email drip and build warm-engager follow-up tasks for your team. Set a team goal & reward (e.g., holiday week off) and daily scoreboard. Programs Mentioned PT Biz Part-Time to Full-Time 5-Day Challenge (Free): Get clear on your numbers, choose your path to full-time, and build a one-page plan. Resources & Links PT Biz Website Free 5-Day PT Biz Challenge Patch (Strategy Calls & Implementation) Follow Jeremy on Instagram: @_jeremydupont (marketing deep dives & Open Enrollment tips) About the Host: Doc Danny Matta—physical therapist, entrepreneur, and founder of PT Biz and Athlete's Potential. He's helped over 1,000 clinicians start, grow, and scale successful cash-based practices across the U.S.

Join the community built to help you master your money, stay accountable, and reach financial freedom.

Feeling like healthcare makes early retirement impossible? It's a common belief, but often fixable with thoughtful income planning. Premium tax credits under the ACA aren't vanishing; the enhanced credits are scheduled to sunset after 2025, and the pre-2021 rules (including the ~400% FPL income cap) are slated to return in 2026 unless Congress acts. The takeaway: managing MAGI matters.In this episode, Ari Taublieb, CFP®, walks through a practical, illustrative case: a 60-year-old couple with ~$1.55M spread across taxable, pre-tax, and Roth accounts. You'll see how the source of withdrawals (e.g., harvesting from taxable accounts vs. large pre-tax distributions) can change MAGI—and therefore subsidy eligibility—potentially lowering Marketplace premiums materially. You'll also learn key HSA rules after age 65 (non-medical withdrawals are taxed as income but no 20% penalty) and what's changing for HSAs in 2026: Bronze and Catastrophic ACA plans are slated to be HSA-eligible, expanding access to tax-advantaged saving.You'll leave with a playbook: align cash-flow needs with tax brackets, plan around the 400% FPL threshold, coordinate Roth/pre-tax/taxable withdrawals, and revisit the plan annually as laws and income shift. Ready to pressure-test your numbers and retire with more confidence? Subscribe to the Early Retirement Podcast.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Jackie joins our friends to the north in Canada for a live taping of TD Direct Investing's 'Inside Investing', turning her late-starter playbook into a friendly masterclass for Canadians and Americans alike. Host Rob Moysey tees up her arc—divorce in her 30s with ~$20k in retirement savings, millionaire a decade later, retired at 49. Jackie fills in the human bits: purpose after FI, why 'precision is not required,' and how a BetterInvesting club cured her market fear.  She also walks through:  The simple engine that did the work: Maxing out an employer retirement plan, Roth IRA, and HSA in low-cost index funds The math behind her Financial Independence target (25× annual expenses ≈ $1M on ~$40k/yr) How she kept joy in the journey while saving ~$3k/month The kicker: despite five years of withdrawals in retirement, her net worth rose from $1.3M (Dec 2019) to ~$2.1M (July 2025). The message lands like a hug and a nudge—know your numbers, automate the boring stuff, and retire TO something.  

Jim and Chris discuss listener questions on spousal Roth IRA eligibility, backdoor Roth contributions using a solo 401k, Social Security timing, post-tax contributions to an IRA and 401k , and an HSA strategy coordinating withdrawals with Roth conversions.(9:30) George asks whether he can contribute to a spousal Roth IRA after his retirement if his wife […] The post Spousal Roth, Backdoor Roth, Social Security, Post-Tax Contributions, HSA Strategy: Q&A #2542 appeared first on The Retirement and IRA Show.

Don answers six listener questions covering CD ladders vs. bond funds, global diversification for young investors, allocation shifts for early retirees, HSA documentation rules, 529 plan comparisons, and whether Dave Ramsey-style portfolios need bonds. He closes with practical guidance on holding cash for opportunities and a reminder about the value of disciplined, evidence-based investing. 0:10 Friday Q&A intro and how to send in questions 1:51 Are CD ladders a good replacement for bond funds? 3:37 How to build a disciplined CD ladder and avoid rate-timing mistakes 3:41 A father asks how to diversify his daughter's Roth IRA beyond VTI 5:48 Couple planning early retirement—asset allocation and 72(t) options 9:41 Why bonds exist: emotional stability vs. return chasing 11:29 The case for international diversification 11:29 Long-term HSA strategy and what to do without old receipts 14:32 How to recreate expense records and save PDFs going forward 15:26 Which 529 plans are best for kids aged 2–12? (Utah vs. Schwab) 17:28 Dave Ramsey investing myths and the real purpose of bonds 20:36 When to start adding bonds—take the Talking Real Money risk quiz 21:00 Where to park six-figure cash for car or property purchases 22:46 Short-term safety vs. yield trade-off Learn more about your ad choices. Visit megaphone.fm/adchoices

966. Laura reviews the benefits of a health savings account (HSA), who qualifies for one, and ways they can save you the most.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join the community built to help you master your money, stay accountable, and reach financial freedom.