Podcasts about HSA

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!

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 of Kelley's Bull Market News, Kelley Slaught discusses essential strategies for retirement planning, focusing on business succession, financial legacy, and income generation. She emphasizes the importance of having a clear exit strategy for business owners, getting one's financial house in order, and planning for long-term care. The conversation also covers the significance of creating a personalized income plan, addressing debt management, and the risks associated with holding cash. Listener questions provide further insights into practical retirement strategies. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty breaks down the five pillars of retirement that every retiree should have in their plan. They are the income, tax. Investment, healthcare, and estate plan pillars. He also reviews some tax changes that are coming in 2026 and discusses the transition from accumulation to decumulation in retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

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

You'd be surprised how often people have an "oops" moment at tax time — realizing they've contributed too much to a retirement or HSA account. It's more common than you'd think, and the rules for fixing it depend entirely on when you catch the mistake. While these situations can cause some frustrating tax complications, the good news is they're almost always fixable with the right approach. In today's episode, we'll walk through the different account types, what to do depending on timing, and even discuss an interesting i401(k) scenario that might actually work out in your favor.

Why does the end of the year always feel like a race against the clock—and what does that mean for your finances? Mike Douglas dives into the essential year-end financial checklist, from maximizing retirement contributions and health savings accounts to the power of quarterly goals and charitable giving. Discover practical strategies to declutter your financial life, make smarter decisions, and end the year with gratitude and purpose. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Clark looks at how HSA ‘s (that's Health Savings Accounts) can be a great savings resource for your benefits package – maybe even better than a Roth IRA!

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

Healthcare costs in retirement just keep climbing- and the newest Fidelity study shows how serious the challenge has become. In this episode, Jude breaks down what retirees can expect to pay for medical expenses, why those costs are outpacing inflation, and the most overlooked ways to plan ahead. From the hidden expenses Medicare doesn't cover to how an HSA can serve as a “stealth Roth,” Jude shares actionable strategies to help you prepare for one of retirement's biggest financial wildcards. You'll also learn how tax moves like Roth conversions can unexpectedly impact your Medicare premiums and why it's crucial to factor healthcare into your overall income plan. Here's some of what we discuss in this episode:

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.

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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.  

This weekend Maryal spoke at the Robert Wood Johnson Health Policy Fellows event in Washington, D.C. about the growing impact of the Direct Primary Care clinic model in combating physician burnout and promoting sustainable, relationship-based healthcare, so the next main episode will drop next Sunday. This episode continues to spotlight the latest issue of “The Toolkit,” a free DPC magazine curated by My DPC Story, designed to support clinics through open enrollment season. The Toolkit offers practical tools, customizable patient resources, and actionable checklists to help physicians and clinics navigate insurance changes and confidently discuss Medicare and healthcare benefits with their patients without feeling like insurance brokers. Listeners will find features on how DPC can help avoid pharmacy surprises and cost spikes, and detailed policy updates like the big win enabling HSA dollars for DPC memberships.Maryal also shines a light on inspiring DPC leaders who are innovating at the practice level like Dr. Emily Holt and shares information on upcoming events like the DPC Coalition's webinar on HSAs and the RiseUp Physician Summit for DPC physicians exploring side gigs and direct contracting HAPPENING THIS Oct 23-26th! If you're a physician looking for meaningful ways to deliver or maintain your delivery of relationship-based care, prevent burnout, and thrive during open enrollment, this episode—and The Toolkit magazine—are essential resources. Download the free issue at mydpcstory.com/magazine and stay ahead in your DPC care journey!Save $100 on your Hint Summit 2026 ticket through October 31st and join the chorus of direct care leaders shaping tomorrow.Support the showBe A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

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

Health Savings Accounts (HSAs) might be one of the most underrated tools in all of financial planning and today we're going to tell you why. Nick and Jake will explain the three major benefits of an HSA and how to use it strategically before and during retirement. You'll learn how to make the most of this “triple tax advantage,” including deductible contributions, tax-free growth, and tax-free withdrawals. There aren't many financial tools that give you three layers of tax advantages, but the Health Savings Account (HSA) is one of them. Here's what we discuss in this episode:

Will gold hit $5000 an ounce? With all the excitement surrounding the run up in gold this year it seems to be an easy target. However, as investors pour money into precious metals, such as gold, people have to remember that President Trump has pledged to stimulate the economy through tax cuts. The run up in gold has been due to investors that worry about the future of the dollar and other major currencies. Wall Street has labeled this the debasement trade. The dollar did decline in the first six months of 2025, but it has since stabilized. September saw a record $33 billion invested in exchange traded funds tied to physical gold. The excitement continues for gold buyers, but it is important to remember that normally during uncertain times investors will find safety in dollar denominated assets like treasuries that can push-up the dollar's value. The danger for gold investors is if the narrative shifts, gold could have a major decline. If you look back 165 years to 1860, you will see that gold has other multi-year runs but has consistently had a major bust after those run ups. Investors in gold should also look at what happened in 1979 with a major rally in gold but 3 1/2 years later all the gains accumulated had disappeared. Investors may want to take some of their profits because the higher gold climbs, the bigger the fall could be. In my view, $5000 per ounce for gold is a big gamble.   Great news, more working-class Americans than ever before are in the stock market. That does sound like good news, but then when you dig a little deeper, it is rather scary! 54% of Americans with incomes between $30,000 and $80,000 have taxable investment accounts. There are several reasons for this like no more commissions for trading stocks, the excitement of investing on certain social media sites, and it's so easy to trade stocks now as anyone who has a cell phone can pretty much trade stocks instantaneously. I remember an old saying from years ago that when your barber starts talking to you about stock tips that is the peak of the market. This seems to be where we're at today and unfortunately, these investors have only been investing for probably the last five years and have not experienced any long, lasting declines or turmoil in the markets. Many of these investors are simply trading stocks and don't understand the fundamentals of investing for the long-term. Some of them have experienced very good returns, not because of any specialized knowledge but because of the luck of picking some highflyers that have done well for them in the short term. In many cases, they do not believe it's luck and they feel they now know what they're doing. These investors probably have no idea what the earnings or debt is for the stocks they are trading. They just see that they continue to make money as they buy and sell. It is a shame because many of them are young investors from 25 to 45 years old and a big mistake could cost them years of compounding. Over my 40+ years of working in the investment industry I've heard the same story many times, and it never turns out well. When you try to help them understand how things really work in the investment world, they justify what they're doing with such statements as “this time it is different”. I wish these young investors would understand that investing in stocks and earning a 10% annual return per year is very good. I'm sure many who read this or hear the words I speak think I have no clue what they're doing, and they have a specialized technique that can't fail. When the day comes,  which it will, these investors will be left with a small amount of capital and not much time left to invest because they are now older and closer to retirement. Only then will they realize that their risky trading strategy proved to be nothing more than gambling!   Lower end consumers are having a hard time making their car payments With the rising cost of cars and higher interest rates, lower end consumers are falling behind on their car payments, and the numbers are starting to get a little scary. 14% of new cars that were sold to people had a credit score under 650, this is the highest percent going back to 2016. People seem to be getting in over their head as subprime loans that are 60 days or more overdue are at a record 6% this year. The number of repossessed vehicles is also climbing to a record not seen in 16 years to an estimated 17.3 million repossessed vehicles. Some consumers overbought a car probably due to a good salesperson and that new car smell that sometimes is hard to resist. Some consumers are starting to regret their new car purchase considering the average car payment is around $750 and 20% of loans and new leases are over $1000 a month. We will continue to watch this indicator along with others to verify that we are only seeing a slowdown of growth in the economy, rather than a declining economy. It's important to remember to be careful where you invest. It appears that some of these subprime loans for cars ended up in private loan deals that were sold as low risk because of no market fluctuation. The problem here is we are starting to see write-downs from publicly traded banks for bad loans and with private credit you might not know there is a problem until it's too late since they don't have to disclose the same info as these publicly traded companies.    Financial Planning: Upgrade Your Emergency Fund to an Emergency Plan When paychecks stop, as many federal employees are currently experiencing, having an emergency plan with multiple layers of liquidity is essential. The first line of defense is your credit card. When used strategically, it can buy you up to two months of interest-free spending since no interest accrues until after the statement due date. However, you don't want to carry a balance beyond that point. Next comes cash reserves, ideally kept in a high-yield Treasury bill money market fund, where your money earns competitive interest while avoiding state tax. Beyond cash, having credit lines such as a HELOC provides deeper, low-cost access to capital without forcing you to liquidate investments. These can take a couple of months to establish, and since they generally don't have origination fees, it's best to set them up before you need them. After that, investment accounts can serve as a secondary safety net. Taxable accounts may generate capital gains, but withdrawals are unrestricted. Roth IRA contributions can be withdrawn tax- and penalty-free at any age, and HSA accounts can issue reimbursements for qualified medical expenses incurred in prior years. In a true last-resort scenario, you can even access retirement funds through a 60-day rollover, temporarily using the cash before redepositing it. By layering these tools, from credit to cash to credit lines to investments, you build a structured, flexible liquidity plan that can withstand extended income disruptions and operate far more efficiently than simply keeping 12 months of expenses in a savings account. Companies Discussed: Ferrari (RACE), Papa John's International, Inc. (PZZA) Salesforce, Inc. (CRM) & Eli Lilly and Company (LLY)  

PPO, HMO, HSA, FSA… WTF? Understanding Employee Benefits with HR Pro Veronica Barnas | E075Open enrollment season is here — but don't just click “same as last year.” This week on The Extreme Personal Finance Show, Chris sits down with HR powerhouse Veronica Barnas, a 20-year Human Resources veteran specializing in employee benefits.They break down the alphabet soup of benefits — PPOs, HSAs, FSAs, and HMOs — in plain English and with a few laughs. Veronica explains how to stop leaving free money on the table, how to actually build wealth through your benefits, and why your 401(k), HSA, and disability coverage might be more powerful than you think.From the triple-tax advantage of an HSA to secret perks like tuition reimbursement, employee stock programs, and even pet insurance, this episode helps you take control of your financial health the same way you take care of your physical one.In This Episode You'll Learn:• Why “same as last year” could cost you thousands• The real difference between a PPO, HMO, and high-deductible health plan• How to use your HSA as a stealth retirement account• Why disability insurance is one of the most underrated safety nets• How to spot free money in your benefits package• Overlooked perks like tuition reimbursement, stock purchase programs, and gym reimbursements• How to make open enrollment season work for your wallet, not against itWhether you're new to the workforce or a seasoned pro, this episode will help you understand your benefits like a boss and maximize every dollar your employer offers.Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyConnect with Veronicahttps://www.linkedin.com/in/veronica-barnas-28ba7723/

Year-end can either drain your wallet or sharpen your plan. We chose the latter and mapped out a clear, 15-minute money tune-up you can run before the holidays hit full speed. We start with practical steps to tame seasonal spending—set a simple gift cap, try a family name-draw, coordinate with grandparents, and lock in travel numbers—so December doesn't turn into a last-minute splurge-fest. With your holiday budget set, we pivot to boosting savings the smart way: adjust 401(k) contributions after pay changes, consider Roth options for tax flexibility, and automate a Roth IRA so you're not scrambling at tax time.Markets have been strong, which makes rebalancing more important, not less. If large-cap growth has crept beyond your target, we explain how to trim gains and add to value or international to keep risk in check. Nearing retirement? Bonds aren't just ballast anymore. With yields back, fixed income can provide income and act as a shock absorber when stocks get jittery. We share a practical guideline for increasing bond exposure as retirement approaches and how to tailor it to your timeline and withdrawals.Open enrollment is your once-a-year chance to upgrade benefits. We break down the high-deductible health plan plus Health Savings Account combo, the triple tax advantages, and a strategy to invest HSA dollars for those expensive pre-Medicare years if you want to retire early. We also cover using up FSA balances on preventive care you might be delaying. To wrap, we streamline your financial footprint: consolidate old 401(k)s, reduce logins, and manage every account under one unified allocation so your portfolio works as a single, coherent plan.If this helped you steady your year-end money plan, follow the show, share it with a friend who needs a nudge, and leave a quick review—tell us the first task you're tackling today. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

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.

Heading into tax season unprepared can be costly—missed deductions, lost paperwork, and sometimes, a surprise check to the IRS. But it doesn't have to be that way! In this episode, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., shares the ultimate year-end checklist every business owner needs to save on taxes, protect their business, and walk confidently into tax season. From organizing your paperwork to making smart tax moves and maximizing personal financial strategies, Danielle gives you practical steps you can take before December 31st that can make a big difference in the new year. Key Takeaways:  Get Your Paperwork in Order: Before December 31st, ensure all your partnership agreements, legal documents, and W9s are signed, stored, and ready. It'll save you major headaches during tax season. Use the January 1st Advantage: The first of the year is the best time to make big structural changes, like starting an LLC, switching payroll providers, or filing for S Corp status. This avoids partial-year filings and confusion. Pay Your Kids (Properly!): You can pay your children for legitimate work in your business and enjoy tax advantages while teaching them financial responsibility. Take Advantage of Accountable Plans: Reimburse yourself consistently for things like your home office and cell phone. It's an important benefit that shouldn't be skipped, even in slower years. Review Personal Tax Opportunities: Before year-end, check your 529 plans, HSA, and FSA balances and make contributions to maximize your deductions and savings. Max Out Retirement Contributions: Don't forget to fund your retirement plan! Whether it's a 401(k), SEP IRA, or solo 401(k), you're building wealth beyond your business. Meet with Your Tax Accountant Early: Schedule a pre-tax-season check-in to confirm your estimated payments, review your strategy, and avoid surprise penalties. Don't Spend Money Just to Save on Taxes: Avoid the trap of prepaying expenses or buying things you don't need. Focus on building a healthy, sustainable, profitable business instead. Topics Discussed: (00:00) Intro + Critical Paperwork to Get In Order for Year-End (02:24) Setting Up or Switching Your Business Structure for 1/1: LLC, Payroll, S Corp Election (05:02) Paying Your Kids the Correct Way for Tax Benefits (06:36) Accountable Plan Reimbursements (07:24) Collecting W9s from Contractors (08:13) Personal Tax Strategies: 529 Plans, HSAs, FSAs, and Health Insurance  (11:13) Retirement Contributions and Your Different Options (12:31) Meeting with Your Tax Accountant (13:28) Smart Tax Planning Strategies to Avoid IRS Penalties and Spending Profit When You Don't Need To (15:36) Itemized Deductions, Charitable Contributions, and the Big Beautiful Bill's Effect on Depreciating Equipment (17:17) Outro: Kickstart's Free Year-End Tax Checklist, Like, Share and Subscribe!   Resources: Free Download | Ultimate Year-End Tax Checklist Related Episodes: Entrepreneurs: Should You Go S-Corp? Pros & Cons + Expert Insight – Ep 115 Can You Legally Hire Your Children?: How to Pay Your Kids, Get Tax Advantages, & Create Generational Wealth – Ep 137 Beyond the Business: Preparing for a Secure Retirement – Ep 188 KSA Tax Partners | https://ksataxpartners.com/    Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

The Health Savings Account is a uniquely designed product combining some of the key tax benefits of both tax deductible and tax deferred accounts, so if your employer offers an HSA as part of your benefits package, you should strongly consider taking advantage if you qualify. Donna and Nathan discuss how to use the HSA to its full benefit. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel explain how FDR used the aftermath of the Great Depression to pass the most progressive and influential package of political and social reforms in our nation's history: the New Deal. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 10/8/2025; Original Air Dates: 4/5/2023 & 4/11/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

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In this episode, Jon and Adam unpack one of golf's most overlooked fundamentals — arc depth, the vertical dimension of your swing that determines whether you strike it pure, fat, or thin. They explain how it differs from attack angle and plane, why it's the “hidden force” behind contact quality, and how you can train it using simple feedback drills. Jon also shares lessons from a conversation with Sir Nick Faldo about confidence under pressure, preparation, and finding a go-to shot when it matters most. The two finish by debating how launch monitors have changed the way golfers learn — and whether chasing numbers is helping or hurting our ability to play instinctively. Thank you to our Show Sponsors GolfRx, Ethos, and The Indoor Golf Shop GolfRx is a wellness membership designed for golfers who want to make golf part of their mental health and self-care routine. Members can use HSA or FSA funds (and sometimes deduct it on taxes) to make golf essentially tax-free. Each plan includes guided wellness tools plus a monthly reimbursement for golf activities. Sign up, swing, and save — and Sweet Spot listeners get their first month free with code SWEETSPOT at https://www.gogolfrx.com/signup • Ethos is an online platform that makes getting life insurance fast and easy There is no complicated process and it's 100% online No medical exam required. You just answer a few health questions Get a quote in as little as 10 minutes You can get same-day coverage without ever leaving your house Get your free quote today at ⁠⁠⁠⁠https://www.ethos.com/sweetspot⁠⁠ • As we enter the fall season, many golfers will be looking to upgrade their indoor practice. I've been trusting The Indoor Golf Shop for years and recommending them to anyone who wants to improve their home setup. They offer all the top launch monitor brands, including SkyTrak, Uneekor, and Foresight, and regularly run sales. They also have everything you need for your indoor practice - hitting mats, golf nets, impact screens, and custom enclosures. If you're looking for a custom residential build to have the simulator of your dreams, their team can make that happen. They built mine! And their designers can also handle any kind of commercial facility where you're building from scratch or want to make an upgrade. To learn more, check out ⁠⁠https://shopindoorgolf.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how your habits and the cash and cards in your wallet reveal your money mindset, then learn how to know when it's time to quit your job. What amount of cash should you keep on hand? Should you “quiet quit” or make a clean break from your job? Hosts Sean Pyles and Elizabeth Ayoola discuss everyday wallet decisions and career change trade-offs to help you understand how everyday money habits and major career choices can strengthen your financial stability. They begin with a candid, “What's in Your Wallet?” segment, revealing what they keep close and providing some tips and throughs on keeping a small emergency cash stash, rotating rewards cards wisely, and avoiding risky wallet habits like storing everything in your car. Then, Tess Vigeland, Smart Money producer and author of Leap: Leaving a Job with No Plan B to Find the Career and Life You Really Want, joins Sean and Elizabeth to help answer a listener's question about whether they should quit their job or simply “quiet quit.” They discuss building a “freedom fund” before quitting, ways to reduce workload without burning bridges, the realities of healthcare and benefits if you leave your job, how today's labor market affects timing, and why giving yourself reflection time can clarify your next step. Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews: American Express Gold Card Review: Dining Rewards Royalty https://www.nerdwallet.com/reviews/credit-cards/american-express-premier-rewards-gold  American Express Platinum Review: Top-Notch Lounge Access, Big Credits https://www.nerdwallet.com/reviews/credit-cards/american-express-platinum  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: quiet quitting, emergency fund, freedom fund, how much cash to keep at home, what to keep in your wallet, wallet organization, travel credit cards, cashback card strategy, debit vs credit, remote work burnout, career change planning, leave a job without plan b, how to quit without burning bridges, lateral move vs new job, reduce workload tips, using AI at work, outsource repetitive tasks, referral risk when underperforming, healthcare after quitting, benefits when changing jobs, real estate license costs, FIRE financial independence retire early, savings goals at 29, HSA spending, high deductible health plan, emergency cash vs card, labor market trends, employee engagement Gallup, identity beyond work, partner concerns about quitting, building a freedom fund timeline, cash vs digital payments, keeping cards safe, rotating cards for categories, smart travel rewards use, backup plan before quitting, burnout signs, and when to leave a job. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Vanguard Research put out a paper called "The Emotional and Time Value of Advice” (June 2025).  It claims that there are "emotional benefits and time-saving value that paid professional financial advice provides to clients."  In other words: The benefit isn't the portfolio or financial advice, but the emotional and time-saving value getting paid professional advice can provide.  Then for our listener question: Gary wants to know how his Health Savings Account (HSA) interacts with Medicare. Can you pay Medicare premiums from an HSA at a later date like you can with qualified medical expenses paid out of pocket? Great question! Resource: Vanguard Study: "The Emotional and Time Value of Advice" paper   Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

This week's show covers scenarios showing why account consolidation matters, municipal bonds, semi-liquid (interval) funds, municipal bonds, HSA's vs. FSA's, and more!

After you listen:Read more from Chris Kawashima in his article "What is Health Insurance and Do I Need It?"Explore more of Schwab's insights on health care.Health-care costs are a major part of most households' budgets, yet many people struggle to understand what they're actually paying for. This episode breaks down how health insurance coverage works, what common medical expenses really mean for your wallet, and how to make smarter choices during open enrollment. Host Mark Riepe is joined by return guest Chris Kawashima, a director of financial planning at the Schwab Center for Financial Research, to explain key terms like deductibles, copays, and coinsurance. They offer practical strategies for managing costs year-round and also discuss smart ways to use tools like FSAs and HSAs to save for short-term and long-term health-care needs. Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.Investing involves risk, including loss of principal.​Past performance is no guarantee of future results.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.1025-UR8D Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jim and Chris discuss a listener PSA on estimating early retirement benefits, followed by questions on Social Security benefit calculations and reductions, HSA held annuities, and IRA annuity pro rata rule application.(14:45) George shares a PSA explaining how to input future earnings on the SSA site to better estimate early retirement benefits.(25:15) A listener asks […] The post Social Security, HSA Held Annuities, IRA Annuities: Q&A #2541 appeared first on The Retirement and IRA Show.

How do you make every dollar work harder for you? Richard Rosso breaks down the Hierarchy of Smart Savings Strategies — a smart, structured approach to prioritize where to save and invest for maximum growth and minimum taxes. This simple yet powerful framework helps you build wealth efficiently, protect against taxes, and optimize your financial future. 0:19 - Foundational Basis & Economic Conundrum 8:05 - Prioritizing Saving Money - Pay Yourself First 12:58 - How to Create a Tax Management Wave 15:50 - The Triple Tax Benefits of HSA's 18:39 - After-tax Contributions to 401k 21:04 - Investing & Spending 23:55 - Life Insurance applications

How do you make every dollar work harder for you?  Richard Rosso breaks down the Hierarchy of Smart Savings Strategies — a smart, structured approach to prioritize where to save and invest for maximum growth and minimum taxes. This simple yet powerful framework helps you build wealth efficiently, protect against taxes, and optimize your financial future. 0:19 - Foundational Basis & Economic Conundrum 8:05 - Prioritizing Saving Money - Pay Yourself First 12:58 - How to Create a Tax Management Wave 15:50 - The Triple Tax Benefits of HSA's 18:39 - After-tax Contributions to 401k 21:04 - Investing & Spending 23:55 - Life Insurance applications

In this episode, Cameron sits down with Dr. Andrew Chambers, a new Primary Doctor in the area practicing at YourChoice direct care, a Direct Primary Care (DPC) office in Brighton. Direct Primary Care (DPC) practice is redefining healthcare by offering affordable, personalized medical care without the barriers of insurance. Through a simple membership model, patients enjoy greater access to their physician, longer visits, and a strong focus on prevention and wellness, all at a predictable monthly cost. Join us as we explore how this innovative approach is making high-quality healthcare more accessible for our community.   00:00 Understanding Direct Primary Care 03:34 Direct Primary Care: The Model 06:17 Services and In-House Pharmacy 09:14 Out-of-Town Medical Attention 11:18 Membership and Insurance Recommendations 13:57 HSA, High Deductible, and Cost Savings 18:28 HSA for Membership & Business Rates   Show Links Learn more about the Brighton Chamber by visiting our website. Website: https://www.brightoncoc.org/   Guest Links Website: https://www.yourchoicedirectcare.com/ Facebook: https://www.facebook.com/yourchoicedirectcare/

You asked, and we listened. In this episode of Coffee with Your Retirement Coach, we tackle one of the most common questions we get: "I'm 58 and have $2.4 million saved. Can I retire?" But as you'll hear, it's not just about the number on the page. We dive deep into what that figure could mean for your income, lifestyle, taxes, healthcare, and overall retirement vision. Join us as we break down the math behind the 4% rule and explore the often-overlooked factors that make or break a retirement plan—things like purpose, timing, Social Security strategy, and where and how you want to live. Plus, we share a real-life success story of a couple who made their beachside retirement dreams a reality.   **Timeline Summary** [0:06] - The $2.4 million question: Can I retire at 58? [1:25] - Why cash flow isn't the whole picture (think taxes and purpose) [2:38] - What a 4% withdrawal rate means for your retirement income [5:03] - Taking Social Security early: a controversial yet practical option [6:35] - Bridging the healthcare gap before Medicare kicks in [9:38] - The missing piece: lifestyle planning and location-based costs [13:08] - Real-life case: high-end travel vs. smart budgeting trade-offs [14:52] - Tax planning strategies to keep more of what you've earned [16:48] - The power of a retirement coach and building your dream team [18:08] - Client success story: from $2.4M to sunset strolls by the beach   **Final Thoughts** Retiring at 58 with $2.4 million? It's possible—but your success depends on your income needs, healthcare planning, tax strategy, and what kind of life you want to lead. If this episode hit close to home, subscribe, share it with a friend, and leave us a review. And as always, stay coachable!  

It's almost HSA Day! On this episode of Benefits Buzz, we dive into our theme, “This Is How I HSA,” exploring the 8 essential rules of health savings accounts. From spenders to savers to investors — and even the cautious — Steve Jackson, SVP of Sales at HSA Store, helps us break down how everyone can make the most of their HSA, with tips, strategies, and real-life examples to help you take control of your health and finances. Check out our HSA Day webpage to learn more!

Nearly half of couples say money sparks arguments. In this episode, Andrew Nida and Moise Piram from Asset Management Group, Inc. share practical steps to help newly married and newly remarried couples align their cash flow, optimize taxes, and invest as a team. Use the simple money meeting agenda and the summary checklist below to get on the same page tonight.Like, share, and subscribe for weekly insights on financial planning, tax planning, and wealth management.What you will learn:• How to set a joint cash flow plan with auto transfers• How filing status affects withholding and cash flow• Smart retirement contributions for couples including spousal IRA basics• HSA tips for families using high deductible health plans• What high earners need to know about surtaxes and Medicare IRMAA• Protection moves that reduce risk and keep your estate documents up to date• A real life client style story that shows the process in actionQuick checklist:• Schedule a monthly money meeting with a ten minute agenda• Confirm filing status and update Form W 4• Max workplace plans and coordinate IRAs and HSAs• Review beneficiaries, titling, and key documents• Align on three shared goals with dollar amounts and due datesFollow us onX.com: https://x.com/AMGinc_ATLInstagram: https://www.instagram.com/assetmanagementgroupinc/LinkedIn: https://www.linkedin.com/company/amgincatl/Facebook : https://www.facebook.com/beyondtomorrowpodcastWebsite: https://www.assetmg-inc.com/YouTube: https://www.youtube.com/@assetmanagementgroupincTikTok : https://www.tiktok.com/@assetmanagementgroupincBlog: https://www.assetmg-inc.com/blogDisclosureEducational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.Hashtags:#FinancialPlanning #WealthManagement #TaxPlanning #MarriedMoney #Newlyweds #HighIncome #EverydayMillionaire #RetirementPlanning #HSA #IRA #401k #CashFlow #Budgeting #EstatePlanning #AMGTags / Keywords (comma-separated)married money, newlywed finances, money meeting, joint budget, cash flow plan, married filing jointly, spousal IRA, HSA family, 401k contribution, IRA contribution, Medicare IRMAA, net investment income tax, high income couple, Andrew Nida, Moise Piram, Asset Management Group, everyday millionaire, retirement planning, estate planning, financial checklist, wealth building, tax strategies for couples, money fights, financial communicationYouTube keywords:married money, newly married finances, couples budgeting, tax filing status, spousal IRA rules, HSA strategies, retirement savings as a couple, Medicare IRMAA income, net investment income tax threshold, high income financial planning, Asset Management Group Inc, Andrew Nida, Moise Piram

In this episode of The Directed IRA Podcast, tax attorneys Matt Sorensen and Mark J. Kohler reveal one of the most powerful strategies for crypto investors, how to grow and withdraw your crypto profits completely tax free using a Crypto Roth IRA.They break down three key scenarios every crypto holder needs to understand:Getting started, how to buy crypto in a Roth IRA even if you are new to retirement accounts.Converting existing IRAs or 401(k)s, how to roll over or convert funds into Roth dollars to start investing in crypto.High net worth or business owners, how to use Roth Solo 401(k)s, HSAs, and Coverdells to expand your tax free crypto empire.You will also learn the “No More Taxes on My Crypto Pledge,” why it is never too late to start, and how strategic planning can protect your wealth while maximizing long term gains.Matt and Mark share real examples from clients, explain the difference between traditional and Roth accounts, and highlight the unique advantages Directed IRA offers for crypto investors, including low fees, easy app based trading, and full IRS compliance.If you believe in the future of crypto and want to keep every penny of your gains, this episode is your roadmap to doing it the smart, legal, and tax free way.Chapters: 00:06 - Why a Crypto Roth Exists02:50 - Three Paths to a Crypto Roth05:00 - Rolling Over Old IRAs and 401(k)s07:20 - Converting Traditional to Roth Strategically08:56 - Solo 401k Power for Business Owners10:53 - The “No More Taxes” Pledge for New Buys13:13 - Using Family, HSA, and Coverdell Buckets16:01 - Costs, Providers, and Getting Help19:35 - Disclaimers and Final TakeawaysTake the pledge. Stop paying taxes on your crypto. Start building your future tax free with Directed IRA.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

In this special video episode, Sean and Elizabeth give each other a “budget rehab,” revealing their own budgets to help you fix yours. How can you feel more in control of your spending? How can you plan for irregular expenses like credit card annual fees or surprise bills? In this video episode, hosts Sean Pyles and Elizabeth Ayoola give each other a “budget rehab” to reveal how they really manage their money — and how you can apply the same strategies to your own finances. But first, they're joined by NerdWallet senior writer Anna Helhoski to discuss new NerdWallet survey findings about money stress and what steps you can take to alleviate it. They discuss why money stress hits some groups harder than others and share practical tips for easing the pressure. Then, Sean and Elizabeth present a personal “Budget Rehab” segment where they analyze each other's real numbers while sitting eye to eye at NerdWallet HQ. Sean shares how he balances rental income, savings, and splurges, while Elizabeth maps her freelance income, high savings rate, and family priorities. Together, they highlight the pros and cons of tactics like setting up multiple savings buckets, trimming recurring costs, maxing out tax-advantaged accounts, and planning ahead for annual fees and surprise expenses. Smart Money is a finalist for TWO Signal Awards! Please take a moment to vote for us here: https://vote.signalaward.com/PublicVoting#/2025/individual-episodes/genre/money-finance  https://vote.signalaward.com/PublicVoting#/2025/shows/genre/money-finance  Want the cheapest prepaid phone plan that still fits your phone service needs? Read NerdWallet's article on the best cheap cell phone plans: https://www.nerdwallet.com/p/best/finance/cheap-cell-phone-plans  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: money anxiety, reduce financial stress, generational money differences, Gen Z money habits, Millennial money habits, Gen X finances, Baby Boomer finances, grocery inflation, high food prices, emergency savings, build emergency cushion, debt payoff strategies, debt snowball vs avalanche, credit card debt payoff, homeownership vs renting, housing costs, mortgage vs rent, rental affordability, HSA benefits, high-deductible health plan, maxing out 401k, brokerage account investing, saving for car replacement, sinking fund examples, subscription audit tips, lower utility bills, cheaper phone plan, cutting cell phone costs, donating to charity, values-based spending, overspending triggers, budget burnout, financial literacy gaps, improve financial confidence, setting financial goals, FIRE movement, early retirement savings, family budgeting, and teaching kids about money. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Retirement may feel far away, but the decisions you make today will shape how much freedom and flexibility you have tomorrow. In Episode 4 of 40 Money Lessons at 40, Shari Rash unpacks nine essential lessons for building long-term wealth. This isn't about chasing hot stocks or becoming a Wall Street expert—it's about practical, proven strategies that anyone can use to make time and money work together. You'll hear: Why diversification is your financial safety net (and how to do it easily). The biggest mistake people make with employer 401(k) matches—and how to fix it today. How Roth IRAs deliver decades of tax-free growth. Why borrowing from retirement accounts robs Future You. How to avoid a “retirement tax bomb” with the right mix of pre-tax and Roth contributions. The tax-efficient accounts (Roth, HSA, 529) that quietly add six figures over time. Why HSAs are the unicorn account for retirement healthcare costs. What you need to know about taxes on W-2, 1099, dividends, and capital gains. The one factor that beats investment returns or contribution size: starting early. Whether you're in your 20s, 30s, or hitting your 40s like me, these lessons prove that money is forgiving—you can start fresh today and still build the wealth you need for tomorrow. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

It's open enrollment season—Dr. Jimmy Turner and Justin Harvey CFP break down HSAs, retirement plan changes, and pensions to help physicians make smarter benefit decisions without the overwhelm. Looking for disability insurance? Get it from a source you can trust here at Money Meets Medicine Disability Insurance (https://moneymeetsmedicine.com/disability)Download a free copy of The Physician Philosopher's Guide to Personal Finance at https://moneymeetsmedicine.com/freebook  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Setting up your 401 (k) can feel overwhelming, especially when you are faced with a long list of investment options. To make it easier, we welcome Zina Kumok, financial advisor and money expert, to explain how to choose wisely. Zina covers the importance of the employer match, diversification, and automation so your retirement savings can grow without stress. In the second half, we sit down with Jessica and Corey Fick of The Fioneers, who reached Coast FIRE in their early 30s. They share how they built a million-dollar portfolio, left corporate jobs that no longer fit their lives, and created a business that supports the lifestyle they truly want. If you are just starting out with your 401k or aiming for Coast FIRE, this episode will give you both the tactical steps and the long-term inspiration to succeed. RESOURCES⁠Sponsors, Deals, and Partners that Support the Show Sponsors, Deals & Partners – See all current offers in one place. MKM RESOURCES Own Your Time – Pre-order my first book today! MKM Coaching – Get 1-on-1 support with your family finance journey. Coast FIRE Calculator – Find out when you can slow down or stop investing for retirement. Mortgage Payoff Calculator – See how fast you can become mortgage free. YouTube – Subscribe for free to watch videos of episodes and interviews. RECOMMENDED RESOURCES (SPONSORS & AFFILIATES) Monarch Money – Best budget app for families & couples. Empower – Free portfolio tracker. Crew – HYSA banking built for families (Get an extra 0.5% APY with my partner link). Ethos – Affordable term life insurance. Trust & Will – Convenient estate planning made easy. Podcast Chapters 00:00 – Why your 401k match is part of your compensation 00:28 – Welcome and overview of today's episode 01:00 – Introduction to Zina Kumok 02:15 – What a 401k is and why it matters 03:30 – Understanding employer matches 05:00 – Choosing investments in your 401k 06:30 – Risk tolerance and diversification explained 08:30 – Automating your 401k contributions 09:20 – Alternatives to a 401k (IRA, HSA, brokerage) 13:00 – The importance of capturing your employer match 14:30 – Where to connect with Zina Kumok 15:17 – Coast FIRE couple spotlight: Jessica and Corey Fick 16:20 – The Coast FIRE Five 18:00 – Their journey from early investing to Coast FIRE 22:30 – How burnout pushed them to redesign their lives 25:00 – Reaching Coast FIRE and slowing contributions 27:00 – What their portfolio looks like today 29:30 – Household income range over 15 years 31:30 – Growing investments without new contributions 33:30 – How they control expenses in New England 35:20 – Advice for others pursuing Coast FIRE 37:10 – Why Coast FIRE is more approachable than full FIRE 40:00 – Where to learn more from The Fioneers HOW WE MAKE MONEY + DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Podcast Artwork: Liz Theresa Editor: Johnny Sohl Podcast Support: Andy Hill Learn more about your ad choices. Visit megaphone.fm/adchoices