Podcasts about HSA

What if the biggest breakthrough in weight management is not a new diet, but finally seeing how your body responds in real time? That question sat at the center of my conversation with Sharam Fouladgar-Mercer, CEO and co-founder of Signos, a continuous glucose monitoring (CGM) and AI-powered health platform built to help people manage weight by understanding their metabolism. January is when motivation is high and the wellness noise is loud, but it is also when a lot of people realize how hard it is to stick with generic advice that does not fit real life. This episode is about why personalization matters, how metabolic signals can change the way you think about food and exercise, and what happens when health technology shifts from reporting the past to guiding the next decision. Sharam explained how Signos pairs a CGM with an AI-driven experience that turns glucose data into practical actions. The point is not to force people into rigid rules or extreme restrictions. Instead, it is about learning how your body reacts to everyday choices, then using that feedback to reduce spikes, improve consistency, and build habits you can actually live with. We talked about simple interventions, like changing the order of foods in a meal, timing movement more intelligently, and spotting patterns that would otherwise stay invisible. Two personal stories brought the conversation to life. Sharam shared how he lost 25 pounds while increasing his calorie intake, which challenges a lot of assumptions people carry into weight loss. He also shared a story from his family life, where his wife's deep sleep increased from roughly 20 minutes a night to around 60 minutes after focusing on glucose stability, even while total sleep time remained limited during the intense period of raising young kids. It is the kind of detail that hits home for anyone who has ever tried to make healthier choices while exhausted and stretched thin. We also explored why FDA clearance matters for Signos and what that could mean for mainstream access. Over-the-counter availability reduces friction, can lower cost, and opens the door to broader adoption, including potential FSA and HSA eligibility. Looking ahead, Sharam shared a vision that goes beyond weight management, connecting metabolic health to the long arc of prevention and chronic conditions where insulin resistance plays a role. If you have ever felt like you are doing all the "right" things and still not seeing results, this episode will make you rethink what "right" even means. And if you could finally see your metabolism in real time, would it change how you approach food, sleep, exercise, and the habits you want to keep this year? Useful Links Connect with Sharam Fouladgar-Mercer Learn more about Signos Instagram, Facebook, X and YouTube Thanks to our sponsors, Alcor, for supporting the show.  

Back in 2024 with Calley Means at South by Southwest, we sat down and talked about his mission to flip the old American food pyramid upside down for the greater good. Well guess what, the pressure is finally working! This rerun is the ultimate receipt that focus, repetition, and smart lobbying for human health can still move the needle! Host Dave Asprey sits down with Calley Means, entrepreneur, policy advocate, and co-author of Good Energy. Together, they break down how the U.S. healthcare system became a sick-care system, why ultra-processed food dominates public policy, and how individuals can reclaim autonomy over their biology. From CGMs and metabolic health to food subsidies, lobbying, and free speech, this episode challenges deeply held assumptions about medicine, nutrition, and personal responsibility.You'll Learn: • Why chronic disease is the most profitable business model in modern history • How metabolic dysfunction drives obesity, diabetes, depression, and infertility • Why ultra-processed food sits at the root of America's health collapse • How CGMs and metabolic data threaten entrenched healthcare incentives • What “food is medicine” really means and where it gets weaponized • How HSA and FSA dollars can legally support food, exercise, and prevention • Why fixing incentives matters more than blaming individuals • How reclaiming health autonomy is tied to free speech and human resilience Dave Asprey is a four-time New York Times bestselling author, founder of Bulletproof Coffee, and the father of biohacking. With over 1,000 interviews and 1 million monthly listeners, The Human Upgrade is the top podcast for people who want to take control of their biology, extend their longevity, and optimize every system in the body and mind. Each episode features cutting-edge insights in health, performance, neuroscience, supplements, nutrition, hacking, emotional intelligence, and conscious living. Episodes are released every Tuesday, Thursday, and Friday (audio-only) where Dave asks the questions no one else dares, and brings you real tools to become more resilient, aware, and high performing. Keywords: Calley Means Good Energy, Calley Means interview, Good Energy metabolic health, metabolic dysfunction America, ultra processed food policy, food is medicine debate, healthcare incentives crisis, chronic disease economics, insulin resistance epidemic, CGM health data access, metabolic health lobbying, seed oils sugar inflammation, glyphosate food system, HSA food exercise eligibility, health autonomy biohacking, metabolic freedom podcast, american food pyramid, rfk food pyramid, 2026 food pyramid Thank you to our sponsors! Essentia | Go to https://myessentia.com/dave and use code DAVE for $100 off The Dave Asprey Upgrade. Resources: • Get My 2026 Biohacking Trends Report: https://daveasprey.com/2026-biohacking-trends-report/ • Join My Low-Oxalate 30-Day Challenge: https://daveasprey.com/2026-low-ox-reset/ • Dave Asprey's Latest News | Go to https://daveasprey.com/ to join Inside Track today. • Danger Coffee: https://dangercoffee.com/discount/dave15 • My Daily Supplements: SuppGrade Labs (15% Off) • Favorite Blue Light Blocking Glasses: TrueDark (15% Off) • Dave Asprey's BEYOND Conference: https://beyondconference.com • Dave Asprey's New Book – Heavily Meditated: https://daveasprey.com/heavily-meditated • Upgrade Collective: https://www.ourupgradecollective.com • Upgrade Labs: https://upgradelabs.com • 40 Years of Zen: https://40yearsofzen.com Timestamps: 0:00 – Introduction 2:11 – Mom's Cancer Story 4:24 – Healthcare System Incentives 10:14 – TruMed and Food as Medicine 15:51 – FDA and IRS Pushback 17:25 – Political Solutions and RFK 19:49 – Childhood Obesity Crisis 21:49 – The Chronic Disease Industry 26:54 – State of Emergency Proposal 29:07 – Healthcare Industry Mindset 31:30 – COVID and Metabolic Health 32:28 – Taking Back Health Autonomy 34:16 – Medical System Collusion 35:56 – Research Corruption 37:21 – Pharma Bribes and Conflicts 40:17 – Ozempic and Civil Rights Groups 42:35 – Personal Mission and Mom's Legacy 50:16 – Media Power and Free Speech 54:00 – Weaponizing Social Justice 55:16 – Systemic Poisoning of the Population 57:37 – Technology as a Health Solution 1:03:20 – Regenerative Farming and Robotics 1:06:34 – Controlling the Food Supply 1:10:18 – Closing Thoughts See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's episode is all about real estate, straight from the questions you asked during our recent live webinar. We dig into Real Estate Professional Status, short term rental rules, and how the tax benefits actually work across direct properties, syndications, and private funds. We also tackle REITs, including whether target date funds are enough, other Vanguard options beyond VNQ, and where REITs belong in your portfolio from a tax perspective. We also discuss if you really need real estate at all, and how do syndications, funds, and real estate debt compare in the real world. Questions from the Real Estate Webinar: -What does due diligence actually mean? -For the short term rental REP loophole can you still spend more than 100 hours doing a different job, any qualify? -Please go in more detail about short term and opportunity tax loopholes. Any specific resources? -Can the tax benefits of REPs apply to your whole portfolio? ie. direct real estate and private investments? -If you become a real estate professional, for rentals, do you still have to be picked up by a brokerage or can you be the brokerage? -Can you benefit from bonus depreciation to offset your w-2 income in syndications and private real estate funds and does this require REPS? -Are there other REITs with vanguard other than VNQ that may not only include large commercial properties? -If you are going to invest in REITs, where is the best place to purchase those funds? 401? Taxable account? Roth? HSA? -Am I leaving money on the table if I don't invest in real estate in some way? -What are pros & cons of investing in RE Syndication vs Fund vs RE Debt Locumstory.com is a free, unbiased educational resource about locum tenens – it's not a staffing agency. They help answer your questions about the how-to's of locum tenens work on their website, podcast, webinars, videos, and they even have a locums 101 crash course. Locumstory.com is where you should go to find out if locums makes sense for you and your career goals. Locumstory is unique because it's more of a peer-to-peer platform, with real physicians sharing their experiences and stories – both the good and bad – about working locum tenens – hence the name, "Locum-story." See for yourself on their self-service platform with no obligation. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #453 09:27 Due Diligence in Real Estate 14:12 Goodman Capital Interview 24:35 REPS - Real Estate Professional Status 34:26 REITs - Real Estate Investment Trusts 42:06 Should I Invest in Real Estate? 47:22 Real Estate Syndication vs. Equity Fund vs. Debt Fund

Andy and Cody Garrett from Measure Twice Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Affordable Care Act ("ACA") tax credits and income "cliffs" in tax planning ( 08:13 )Doing Roth conversions vs tax gain harvesting ( 22:30 )Paying taxes in retirement; estimated payments vs withholdings ( 31:33 )Rushing into Roth conversions ( 38:50 )When to start doing HSA distributions ( 51:31 )Should you be worried about tech stocks ( 58:23 )Timing Required Minimum Distributions ("RMDs"); when in the year to take them ( 1:08:26 )Retirement spending anxiety ( 1:17:37 )Links in this episode:Cody's website - https://www.measuretwicemoney.com/To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Have you ever wondered if your HSA contributions could cause unexpected issues as you approach retirement? In this episode, I highlight potential risks and mistakes that individuals near or in retirement might encounter with their HSAs. Specifically around scenarios such as switching into an HSA plan mid-year, transitioning out of an HSA plan mid-year, and moving from an HSA plan to Medicare. 

Every year, Wall Street rolls out confident forecasts for where the S&P 500 will end the year—and every year those projections are treated as actionable insight. For 2026, analyst expectations cluster around modestly positive returns, even as valuations sit near historical extremes and macro risks continue to build. Lance Roberts & Michael Lebowitz explain why year-ahead market forecasts are largely an exercise in false precision. Instead of offering a price target with zero confidence, we walk through the key forces that are likely to shape markets in 2026—including stretched valuations, liquidity injections disguised as “reserve management,” the Federal Reserve leadership transition, midterm elections, fiscal uncertainty, AI-driven capital spending, tariffs, geopolitics, and rising sovereign debt risks. We also examine historical market behavior to provide perspective on drawdowns, winning streaks, and why valuations are a poor short-term timing tool but an excellent long-term risk signal. Finally, we discuss why flexibility, discipline, and risk management matter far more than guessing an index level twelve months in advance. If you are an investor trying to navigate uncertainty without relying on headlines or optimistic forecasts, this discussion provides the framework you need to think more clearly about markets in 2026. 0:00 - INTRO 0:19 - Betting on Anything, Healthcare Subsidies, HSA's, & Housing Bans 8:15 - Roll-of in Markets 12:42 - Guessing at 2026 Markets 20:35 - Think About the Known; Consider the Unknown 22:59 - Quantitative Easing & Chart Crime 25:09 - The Powell Exit & Midterm Elections 28:21 - Will Europe Keep Dumping Money into US Markets? 29:55 - AI Infrastructure Boom & New Technologies 32:02 - Our Process for Managing Market Rotations 35:14 - SCOTUS' Tariff Ruling & Trump's Plan-B 37:10 - Return of the Yen Carry Trade 38:50 - Smart Money Has Already Considered the Risks 42:08 - Don't Get Too Comfortable with Narratives Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=cQA10SrDk3s&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles Mentioned in Today's Show: "2026 Forecast: Tis The Season For Wild Guesses" https://realinvestmentadvice.com/resources/blog/2026-forecast-tis-the-season-for-wild-guesses/ -------- The latest installment of our new feature, Before the Bell, "Sector Rotation Quietly Begins," is here: https://www.youtube.com/watch?v=l6zc2wXLn5o&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Open Chat Q&A: Markets, Earnings, Taxes & Portfolio Strategy," here: https://www.youtube.com/watch?v=EGgxAtaZIOI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #SectorRotation #StockMarketNews #EconomicData #MarketVolatility #MarketOutlook2026 #StockMarketRisk #InvestorDiscipline #FedPolicy #ValuationsMatter

What if you're doing FIRE in the wrong order? Most people chasing financial independence are following steps that actually slow them down—and it could be costing you years of freedom. In this episode, Mindy Jensen and Scott Trench break down the exact step by step order for achieving FIRE as fast as possible. Whether you're just starting with your first emergency fund or you're already maxing out retirement accounts and wondering what's next, this episode gives you the complete roadmap. You'll learn which financial moves to prioritize, which to skip, and how to avoid the "middle-class trap" that kills most early retirement dreams before they happen. This Episode Covers: The correct financial order of operations for FIRE (step-by-step from $0 to early retirement) Which retirement accounts to fund first (401k, IRA, Roth, HSA strategy) High-interest debt payoff strategy that accelerates FIRE When to start investing in taxable brokerage accounts How to add real estate and cash-flowing investments to your FIRE plan Mistakes that cost people years on their path to FIRE If you're confused about what to do next on your FIRE journey, this is your complete checklist. No more guessing—just the fastest, most efficient path to financial independence. Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com Want to be a guest on the show? Apply here: www.biggerpocketsmoney.com/contact/ Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people fail at their goals, not because they lack discipline, but because they're working against their own neurobiology. I spent over a decade studying the brain, and what I've learned is this: your brain doesn't change based on what you want. It changes based on the conditions you create for it. This episode isn't about motivation. It's about understanding how your brain actually learns, adapts, and transforms at a structural level, so you can make 2025 the year things permanently shift. Reduce your risk of Alzheimer's with my science-backed protocol for women 30+: https://go.neuroathletics.com.au/brain-health Subscribe to The Neuro Experience for more conversations at the intersection of brain science and performance. I'm committed to bringing you evidence-based insights that you can apply to your own health journey. Topics discussed: 00:00 Intro 02:38 Why Most People Fail at Personal Development 03:21 Your Prefrontal Cortex, The Brain Architecture Problem 04:56 What Is Neuroplasticity and How Your Brain Changes 05:40 Sponsor, Rho Nutrition 06:55 Principle 1, Identity Over Goals, Your Brain's Reality Filter 09:40 Principle 2, The 48 Hour Window of Neuroplasticity 13:05 Principle 3, Decision Fatigue and Why Willpower Is Finite 15:28 Principle 4, Lower Your Activation Threshold for Success 19:16 Principle 5, Emotion Encodes Memory 10x Stronger Than Logic 21:42 Principle 6, Stop Fighting Your Environment, Redesign It 24:11 Principle 7, Your Brain Changes While Resting, Not Working 26:24 Recap, Seven Neuroscience Backed Principles for 2026 A huge thank you to my sponsors for supporting this episode. Check them out and enjoy exclusive discounts… Cure Hydration: Get 20% off your first order at https://curehydration.com/NEURO with code NEURO. And here's a bonus, Cure is FSA/HSA approved, so you can use your FSA or HSA funds to stay hydrated the smart way. Don't just drink more water, upgrade it with Cure. Ka'Chava: Rewild your nutrition at kachava.com and use code NEURO. New customers get twenty dollars off an order of two bags or more, now through the 31st! Rho Nutrition: Your brain can only perform at the level your biology allows. That's why I take Rho Nutrition's Liposomal Glutathione every morning, the master antioxidant that actually absorbs. Get 20% off with code NEURO at https://rhonutrition.com/discount/NEURO Ketone-IQ: Visit ketone.com/NEURO for 30% OFF your subscription order PLUS receive a free gift with your second shipment, or find Ketone-IQ at Target stores nationwide! I'm Louisa Nicola - clinical neurophysiologist - Alzheimer's prevention specialist - founder of Neuro Athletics. My mission is to translate cutting-edge neuroscience into actionable strategies for cognitive longevity, peak performance, and brain disease prevention. If you're committed to optimizing your brain, reducing Alzheimer's risk, and staying mentally sharp for life, you're in the right place. Stay sharp. Stay informed. Join thousands who subscribe to the Neuro Athletics Newsletter here: https://bit.ly/3ewI5P0 Instagram: https://www.instagram.com/louisanicola_ Twitter: https://twitter.com/louisanicola_ Learn more about your ad choices. Visit megaphone.fm/adchoices

A new year is the perfect time to reset your financial habits, and in this episode of Protect Your Assets, David Hollander kicks off 2026 with a financial boot camp. From simple budgeting rules that give every dollar a job to maximizing updated 401(k), Roth, and HSA contribution limits, this episode walks through practical steps you can take right now to strengthen your financial foundation. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

   MEDICARE ADVANTAGE MINUTE:                                                                    THE FUTURE FOR(?) MEDICARE ADVANTAGE!  Includes a hint that funding for SHIP may be on the bubble in 2026!                                                         Eleven costly Medicare Mistakes you should avoid!      These include The Drug plan selection problems, HSA precautions and MA vs Medicare Supplement differences. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" "MEDICARE FOR THE LAZY MAN: BARE BONES!" For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

It's only day two of the new year. How are those resolutions holding up?Every January, many of us recommit to eating better, exercising more, or finally getting our finances on track. And yet, most resolutions fade long before winter does. The issue usually isn't a lack of desire—it's a lack of accountability and perspective.That's especially true when it comes to budgeting. Managing money well requires more than good intentions. It requires clarity about why we're doing it and a system that supports us day by day.To explore that idea, we sat down with Chad Clark, Chief Technology Officer at FaithFi, to discuss what actually helps people follow through on their financial goals.Why Budgeting Often Feels Like a DietChad shared an observation from years of building budgeting tools: many people view a budget the same way they view a diet. They know it's necessary, but it feels restrictive, temporary, and easy to abandon when life gets busy.The problem usually isn't the budget itself. It's the missing “why.”You may know what you want to do—get out of debt, save more, or give generously—but without a compelling reason behind it, the motivation fades quickly. Sustainable habits require more than goals; they need purpose.For believers, Scripture gives us a clear foundation for our financial “why.” Psalm 24:1 reminds us, “The earth is the Lord's, and everything in it.” God owns it all. We don't.That truth reshapes budgeting entirely. If God is the owner, then our role is stewardship—managing what He has entrusted to us for His purposes.But Chad introduced an important distinction: how we view God as owner matters just as much as recognizing His ownership.Passive Owner vs. Active OwnerChad used a helpful analogy. Imagine managing a coffee shop for someone else.A passive owner hands you the keys, says, “Good luck,” and disappears. You make every decision on your own, unsure what the owner really wants.An active owner, on the other hand, says, “Call me anytime. I'm here to help.” That owner stays engaged, offers guidance, and shares responsibility.Many of us unknowingly treat God like a passive owner—assuming He's uninvolved in our day-to-day money decisions. But Scripture paints a different picture. God desires to be an active owner, guiding us through the Holy Spirit as we seek wisdom and direction.That realization lifts a heavy burden. We're not meant to figure it all out on our own.When we see God as an active owner, budgeting stops being a rigid rulebook and becomes a practical tool for faithful stewardship.A budget isn't the goal—it's the means. It helps us manage the King's resources wisely, align our spending with our values, and make intentional decisions rather than reactive ones.Without this perspective, budgeting can feel overwhelming or pointless. With it, budgeting becomes an act of faithfulness.Why Systems Matter More Than WillpowerAnother key insight Chad shared: budgeting isn't about finding the perfect method—it's about having a system.People manage money differently. Some thrive with detailed categories. Others prefer broader guardrails. The important thing is consistency, not complexity.That's why the FaithFi app was designed with multiple budgeting systems, including a digital version of the classic envelope method many longtime listeners recognize. The goal isn't to force everyone into the same mold, but to help each person find a system that fits their habits and personality.Over time, that system becomes part of daily life—like your morning cup of coffee. When you're not checking in with it, you can feel that something's off.Budgeting Together as a CoupleChad also shared how using a budgeting tool transformed his own marriage. Early on, money was their most significant source of conflict—even though he considered himself “the finance guy.”Once they started using a shared system, the conversation changed. Instead of arguing, they could see the same information, talk openly, and make decisions together. Budgeting became a way to pursue unity, not tension.For couples, shared visibility and accountability can be a powerful gift.If You've Tried Before and Given UpIf budgeting feels exhausting—or if you've tried and failed before—Chad's encouragement was simple: don't give up.Often, past frustration stems from using tools that were too rigid or didn't align with how you're wired. With the right system, guidance, and support, budgeting can become sustainable—and even freeing.If one of your New Year's resolutions is to get your finances back on track, remember this: lasting change starts with perspective, not pressure.When you begin with God as the active owner and see budgeting as a tool for stewardship, everything changes. And with the right system in place, you don't have to walk that road alone.You can learn more or download the FaithFi app at FaithFi.com and take a meaningful step toward wise, faithful money management in the year ahead.On Today's Program, Rob Answers Listener Questions:I'm 46 and plan to retire at 70. My employer's 401(k) plan is in a target-date fund, and I'm contributing more than necessary—about 160% of my goal. Should I scale back to just the employer match and direct the extra savings to an IRA? I also have an HSA and currently split contributions between a traditional and a Roth 401(k).I help manage finances for a church and want to know: how much should churches and nonprofits typically keep in reserves for ongoing operations?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Church Cash Reserves - How Much Is Enough? By Dan Busby and Michael Martin (ECFA Article)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It's New Year's Eve! We hope that you have had a wonderful 2025. As we look ahead to 2026, you may be making resolutions or setting goals for yourself. This is a time we all reflect on what changes we'd like to make. As we ponder these changes, it is important to note that things are changing in the finance world, too, and that there are some changes regarding 401K catch-up contributions. Nate Reineke and Kyle Hoelzle break down what these changes are and how they may impact physicians like you. We also answer your colleagues' questions. It's New Year's Eve. What contributions do people still have time for? An Infectious Disease Doctor in NY asks, “Does it make more sense for us to have separate HSA-eligible plans or one family plan?” A Surgeon in Illinois says “I have a new HSA, can I just leave the old where it's currently at?” A Psychiatrist in New York wonders, “My new employer is letting me choose between being a W-2 employee or a 1099 contractor. Which should I choose?” A Family Medicine Doc in Minnesota asks “When opening a solo 401(k) as a sole proprietor, should we use our SSN or get an EIN?” Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

#676: Ally:How can I optimize my asset allocation and Roth contributions now that I'm over $1 million in assets? I'm 45, single, never married, with about $1.2 million in assets. Roughly $100,000 is in stocks, which might scare some people. Here's my breakdown: Vanguard brokerage account: VTSAX $132,000, ISCV $5,000, VOO $5,000 Vanguard Rollover IRA: VTSAX $65,000, IVV $25,000, VOO $62,000 Vanguard Roth IRA: VTSAX $228,000, ISCV $6,000 Pre-tax 401(k): Active stock fund $218,000 (0.01% expense ratio), Equity dividend fund $55,000 (0.01% expense ratio) Russell 1000: $270,000 (0% expense ratio) HSA: $9,000 in the Russell 1000 and Russell 2000 ESPP: $90,000 Savings account: $12,000 I view my brokerage accounts as savings, where I can sell assets if I need cash, as well as sell my company shares. My questions: How far am I from the efficient frontier? How efficient is my asset allocation? I've mostly been a “VTSAX and chill” type. If I rebalance, what's the best way to do it without incurring taxes? Next year, I'll make more than $150,000, even after contributing $24,500 to my pre-tax 401(k) in 2026. Can I still do a backdoor Roth, given that I already have an IRA balance? I was told it could be complicated. Am I out of luck investing in a Roth next year? Also, should I roll over my 401(k) into my existing Rollover IRA to gain more investment options, even though the 401(k) fees are very low? I've reached over $1 million in assets, but I'm not confident my first million was invested efficiently. I want to correct it before reaching my next million. Emma: Can We Split a Dependent's Tax Status Midyear to Maximize Health Insurance Subsidies? We're a family of four with two adults and two children, ages 15 and 21. Our 21-year-old is a full-time university student and is expected to graduate in May 2026. The hope is that she'll secure a full-time job after graduation. Our health care broker told us that we could claim her as a dependent for half of the year and then have her claim herself for the second half. According to the broker, this would allow her to stay on our health insurance and help us qualify for a larger premium subsidy. Is it actually possible to split a dependent's tax status this way within a single year, or is this a misunderstanding? Anonymous: Is It Wise to Hold Some Investments Outside the U.S. for Geopolitical Diversification? I've always believed that “this time isn't different,” but lately I'm feeling uneasy. I'm increasingly concerned about what seems like a slow erosion of institutional trust in the U.S., especially regarding agencies and structures that support our financial system. From leadership changes at key government institutions to growing political influence over economic policy, I'm starting to wonder if it's prudent to hold a small portion of assets physically and legally outside the U.S. I'm not talking about exotic offshore schemes. I mean legitimate ways to invest in broad index funds or ETFs through a brokerage account based abroad—as a form of geopolitical diversification and personal contingency planning. I'd love to hear your perspective. Learn more about your ad choices. Visit podcastchoices.com/adchoices

‼️Blown up in Baghdad. Saved by Archangel Michael. Reinserted w/a Mission from GOD‼️ The Super Soldier programs. Healing Miracles. Stories of SEAL Team 6 missions. And now…unleashing our GOD Code discussion + LifeWave's Star-Trek inspired Nikola Tesla-like healing tech which drives healing miracles for him, our host Brad Wozny and people across the planet. .

Chris Lopez is joined by Equity Trust's John Bowens to close out 2025 and prep smart moves for 2026 using self-directed retirement accounts. John walks through contribution and conversion timelines for IRAs, Roth IRAs, HSAs, and Solo 401(k)s, explains the seven-day payroll rule for S- and C-corps, and shares practical strategies like spousal IRAs, backdoor Roths, staged Roth conversions over two tax years, and maximizing early-year compounding. The conversation also covers 2026 limit increases, Solo 401(k) employer vs employee buckets, and the Secure Act 2.0 tax credit for new plans. Key Takeaways Roth conversions must post by Dec 31 for the current tax year Previous-year IRA and HSA contributions allowed until Apr 15 if not on extension Solo 401(k) employee deferrals for S- and C-corps must be deposited within seven days of payroll Sole proprietors can set up and fund a Solo 401(k) for the prior year by Apr 15 Use spousal IRAs and backdoor Roths to maximize annual limits Stage conversions across two years to manage tax brackets while starting compounding sooner Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

Most practice owners treat finances like a fire drill: frantic at year-end, reactive at tax time, and surprised when cash flow hiccups wreck payroll. What if money management wasn't a crisis to survive, but a repeatable system you lead on purpose? In this episode of the Private Practice Owners Club, host Nathan Shields sits down with financial strategist Eric Miller (Econologics) and bookkeeping & vCFO expert Sean Healy (AccountedFor). Together they deliver an operational playbook for wrapping up 2025, protecting cash flow in Q1, and building the disciplined systems that let owners actually plan for retirement — not just keep the lights on. They dig into:Why proactive tax planning beats last-minute spending sprees (and how to actually execute it with your CPA)The three financial skills every owner needs: acquire it, control it, invest it — and how to institutionalize them in your practicePractical year-end moves that protect cash flow (retirement catch-ups, HSA contributions, beneficiary checks, and smarter equipment buys)How to build a financial team that works together — CPA, bookkeeper, and advisor aligned to your goals (and when it's time to fire an advisor who isn't)Forecasting and proforma basics: reverse-engineer the profit you need to reach your personal goals, then map the operational steps to get thereCash-first tactics for Q1 (expect a tight January — plan the line of credit, manage payroll cadence, and pre-talk client deductibles)Money discipline that scales: automated savings buckets, routine scorecards, and the operational cadence that produces real wealth If you've ever been blindsided by tax bills, drifted through another year without a cash plan, or felt like your practice owns you — this episode gives you the financial clarity and tactical next steps to run your business like an asset, not an anxiety.

We're tackling a few topics this time:  A huge thanks to you for getting us to 100K downloads.  How to set goals with a VERY simple framework. Q&A on if we take HSA, if we require paid-in-full programs, and more.  Link to our free guide.  Link to our quadrant planner. 

Healthcare may be your biggest retirement wildcard, and this episode unpacks what many retirees overlook. Joshua Barbin breaks down the real costs of Medicare, long‑term care, pharmaceutical expenses, and supplemental coverage so listeners can better understand the financial impact of aging. He also explains why enrollment timing matters, how HSAs can offer unique tax advantages, and what proactive planning steps can help reduce future surprises. Whether you're approaching 65 or already retired, this conversation sheds light on the practical realities of managing healthcare in retirement. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Quint and Allie talk about what an HSA is and how best to invest it. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

As the year closes, federal employees can't afford to miss critical planning opportunities that protect their retirement and avoid costly mistakes. In this episode of the Plan Your Federal Retirement Podcast, Micah Shilanski, Wealth Advisor, and Luke Eberly, Wealth Advisor, break down real-world, end-of-year action items they are actively handling with clients right now. They talk about last-minute planning for 2025, including Required Minimum Distributions (RMDs), Qualified Charitable Distributions (QCDs), Roth conversions, and estimated tax payments, all with a focus on being aware of IRS penalties. Tune in to learn about strategies for January 2026, like new TSP contribution limits, Roth and HSA planning, and why it's better to start early rather than wait until the end of the year. If you are a federal employee or retiree who wants to end the year well and begin the next one with clear plans and confidence, this episode offers practical tips you can use right away. https://zurl.co/iaMcA

Jim and Chris discuss listener emails on Social Security filing timing and online claiming language, a listener PSA on IRMAA and the online SSA-44, ACA income planning before Medicare, an IRA to HSA transfer, and annuity income needs. (6:45) The guys address how to word an online Social Security application so the first check is paid for a specific month when claiming at age 70, and whether applying 2–3 months before the 70th birthday is the right approach. (14:00) A listener shares a PSA on filing SSA-44 online after retirement, including how IRMAA recalculations reflected estimated future-year income and how the resulting tier was communicated in the approval letter. (25:00) Jim and Chris discuss whether it makes sense, from a planner's perspective, to stop working and manage income in a way that keeps health insurance affordable until Medicare eligibility. (38:45) George asks about doing the once-in-a-lifetime tax-free IRA-to-HSA transfer, how the HSA testing period works, and whether it's worth doing before starting Medicare to reduce future RMDs. (49:00) A listener asks whether annuity income is still useful for covering a minimum dignity floor gap when assets are high and spending needs are modest, and how to think about guaranteed income given planned retirement timing and gifting goals. The post Social Security, IRMAA, ACA Planning, IRA to HSA Transfer, Annuities: Q&A #2552 appeared first on The Retirement and IRA Show.

Most people think HSAs are just for doctor bills, but the new 2026 law changed everything. In this episode, you'll learn how the updated HSA rules can help you save more money, pay less tax, and build real long-term wealth. We walk through the new contribution limits, smart strategies to grow your HSA, and how business owners can use these rules for extra tax savings. You'll understand why the wealthy love HSAs and how you can use these tax strategies in your own life. This episode gives clear finance advice and simple steps that help you make better money decisions fast. Listen now so you don't miss one of the biggest tax savings opportunities of the decade.   Next Steps:

In this Christmas episode, Jesse steps back from year-end checklists and market noise to tell a more personal story—one shaped by the "ghosts" of his financial past, present, and future. He begins with the early experiences that formed his relationship with money: a summer concession stand that taught him pricing, customer focus, and the power of simply telling people what you do; a first job cleaning bathrooms at a state park that clarified the difference between earning a paycheck and building a career; and the moment in his mid-20s when seeing real dollars in his 401(k) pulled him into a decade-long deep dive on personal finance, blogging, and eventually a full career change into wealth management. From there, he pivots into a transparent walkthrough of his current systems—how he and his wife structure savings, manage cash, use insurance, approach debt, track spending, and design an investment allocation that reflects real life rather than theory. He also shares three planning cases from this year that reveal the human side of financial advice: navigating retirement after a family death, unwinding concentrated stock risk for a high-earning executive, and giving one engineer the peace of mind to sleep through layoff fears. Looking ahead, Jesse reflects on where the industry is headed—AI-enabled tools, changing fee models, and a shift toward values-based planning—while outlining how he and his family think about the future with a firm grip on flexibility, priorities, and the fleeting years of raising young children. It's an intimate, thoughtful close to the year—less about spreadsheets and more about why financial planning matters in the life you're actually living. Key Takeaways: • Take time to seek out new opportunities. Putting yourself out there for advancement is one of the most straightforward ways to advance financially. • Getting "skin in the game" with real dollars in a 401(k) or investment account is often the catalyst for learning personal finance at a deeper level. • A blended approach to retirement savings (401(k), Roth IRA, HSA) builds both tax flexibility and long-term resilience. • Cash-management infrastructure—joint accounts, high-yield banks, and legacy accounts—matters less than ensuring clarity, shared access, and ease of use. • Tools like the state-run CHIP/Child Health Plus programs can dramatically reduce healthcare costs for families with children. • Strong personal finances create flexibility: the ability to enjoy life now while still protecting the future—especially during the irreplaceable years of raising children. Key Timestamps: (04:22) – Financial Past: Early Money Lessons (07:09) – Entrepreneurial Beginnings: The Concession Stand (10:36) – First Job Experiences and Lessons Learned (20:20) – Financial Present: Family Finances and Planning (26:23) – Our Investment Strategy (32:58) – Tax Planning Insights (37:25) – Evolving Budgeting Methods (45:08) – Financial Future: What Will You Make of It? 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 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.

This week, Angela discusses five tax savings strategies to consider before the end of 2025. She emphasizes the importance of planning and understanding tax implications for financial success. The topics include charitable gifting, itemized deductions, investment and retirement portfolios, business equipment purchases, and seeking professional advice. Key Takeaways

If you want to save on taxes in April, your tax strategy actually has to begin the year prior. On today's show, Mark Kohler from KKOS Lawyers is back on the show to share critical end-of-year tax moves you can make NOW to pay less in taxes. Mark is a nationally-recognized CPA and attorney who is on a mission to help small business owners–including real estate investors–succeed.  On this episode, you're going to learn about everything from employing your family members to setting up tax advantaged accounts like an HSA. Mark is also sharing details about the Big Beautiful Bill, retirement accounts, and more. Whether you're a W-2 employee or an entrepreneur, Mark is bringing high level tips you can use to lower your tax bill! 

In today's episode of the My DPC Story Podcast, host Dr. Maryal Concepcion and guest Dr. Amber Beckenhauer reflect on the transformative landscape of Direct Primary Care (DPC) as 2025 ends and 2026 approaches. They discuss critical updates like HR1 and HSA regulations, sharing insights on how legislative changes, practice resources, and evolving patient needs are shaping the future of DPC clinics. Both physicians explore topics like staff restructuring, inflation impacts, and the importance of autonomy and creativity for entrepreneurial doctors. Dr. Amber Beckenhauer highlights her work in physician education, while Dr. Concepcion previews new resources and conferences available for DPC practices nationwide. The episode provides actionable tips for navigating open enrollment, building resilient teams, and adapting to changes in healthcare. Ideal for physicians, healthcare entrepreneurs, and those curious about DPC best practices, this episode inspires listeners to embrace innovation and sustainable growth in primary care. Find the DPC Magazine The Toolkit for more on HSAs and the IRS recommendations about HR1, visit mydpcstory.com/magazine. Connect with Dr. Beckenhauer and inquire about her upcoming courses HERE.For those looking for the Medicare Survival Kit, you can find it HERE.Gusto, the Payroll and HR Solution loved by so many DPCs (including Big Trees MD)! Earn $100 after running your first payroll! Get paid for your medical expertise with Sermo! Sign up for free and start earning today!Support the showBe A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

It's Thursday so let's talk to Kyle. Sponsors: Get 15% off OneSkin with the code BIGMAD at https://www.oneskin.co/bigmad #oneskinpod For Big Mad True Crime listeners, you can get 20% off your first order at http://curehydration.com/BIGMAD with code BIGMAD. And here's a bonus — Cure is FSA/HSA approved, so you can use your FSA or HSA funds to stay hydrated the smart way. Take the guesswork out of your dog's well-being. Go to http://ollie.com/bigmad and use code bigmad to get 60% off your first box! Join the loyalty program for renters at http://joinbilt.com/BIGMAD Learn more about your ad choices. Visit podcastchoices.com/adchoices

To learn more on year-end retirement account strategies read our new article: https://directedira.com/year-end-retirement-account-strategies/?utm_source_youtube_socialmedia&utm_year_end_strategies_webinarYear-end is one of the most important windows for retirement planning. Some moves must be completed by December 31, while others can wait until the tax filing deadline – and new rules coming in 2026 will change how much you can save and whether certain contributions must be Roth.In this live webinar, Directed IRA's CEO, Mat Sorensen, will walk through the most important retirement account strategies to understand before year-end and how to position yourself for 2026.     You'll Learn- Which retirement account moves must be done by December 31…and which can wait- How to optimize 401(k), IRA, Roth IRA, HSA, and Solo 401(k) strategies at year-end- When Roth conversions make sense now vs. pushing them into 2026- Backdoor Roth and mega backdoor Roth strategies to know before year-end- Key 2026 rule changes that may impact contribution limits and Roth requirementshis session is designed to help you avoid missed opportunities, reduce taxes, and make informed decisions before the year closes.Why 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

Thanks to our partners Promotive and Wicked FileAre you leaving money on the table before the tax year closes?In this end-of-year episode of Business by the Numbers, Hunt Demarest, CPA with Paar Melis & Associates, walks through the essential tax moves shop owners must make before December 31st and the costly assumptions that lead many to overpay the IRS.From retirement contributions and HSA hacks to equipment purchases, inventory write-downs, and why your accounts receivable might be lying to you, Hunt explains how small oversights can snowball into massive tax bills. More importantly, he shows you exactly what to check, adjust, and document now to ensure you only pay what you owe and not a dollar more.If you've ever wondered whether to buy equipment before year-end, how to handle unpaid invoices, whether your payroll timing affects deductions, or how to set yourself up for a smoother tax season, this episode gives you the playbook.Ideal for shop owners, bookkeepers, and managers who want to tighten their financials, avoid costly mistakes, and maximize deductions before the year closes.What you'll discover…(02:10) The repetitive tax mistakes and how to avoid them(03:45) Why retirement contributions are Hunt's “favorite deduction.”(06:35) How much you can contribute to SIMPLE IRAs and 401(k)s before Dec. 31(09:25) Why Roth contributions don't reduce your taxes (and when to use them)(10:30) The HSA contribution rules and how they can reimburse old medical bills(14:05) HSA vs. FSA: The real difference and how not to lose your money(16:10) The truth about deducting equipment — cash vs. financing vs. leasing(18:30) Major building improvements you can now deduct in year one(19:40) How to structure employee gifts, bonuses, and reimbursements(22:30) Four big things to keep an eye on to ensure maximum savings(25:16) Accounts payable: how missing December bills inflate your taxes(28:00) The most overlooked deduction in high-interest years(29:00) The fastest way to speed up your tax return (and avoid April chaos)Thanks to our partner PromotiveIt's time to hire a superstar for your business; what a grind you have in front of you. Introducing Promotive, a full-service staffing solution for your shop. Promotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit https://gopromotive.com/Thanks to our Partner WickedFileTurn chaos into clarity with WickedFile, the AI for auto repair shops. Transform invoices into insights, protect cash flow, and stop losing parts, cores, or credits to maximize your bottom line. visit https://info.wickedfile.com/Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comText Paar Melis @ 301-307-5413Download a Copy of My Books Here:Wrenches to Write-OffsYour Perfect Shop The Automotive...

Deadlines have a way of forcing clarity, and the final weeks of the year might be the most valuable money window you get. We sit down with Billy Joiner, CFO at Centric, to map out a practical, no-fluff plan for locking in free money, avoiding costly penalties, and starting January on steady ground. From retirement matches to healthcare accounts and charitable strategies, we focus on the moves that deliver the highest return for the least effort.We walk through the top three actions you can take in under 30 minutes: make sure you capture your full 401k match, update beneficiaries across every account, and review HSA or FSA contributions before deadlines hit. Billy breaks down HSA versus FSA in plain English, including rollover rules, eligible expenses, and how to avoid use-it-or-lose-it surprises. We also dig into charitable giving timing, how a donor-advised fund can bunch deductions for tax impact, and when donating appreciated assets makes sense. If open enrollment feels like a maze, we guide you to compare total cost of care, revisit network changes, and consider disability coverage that protects your income.Retirees and their families will find a clear reminder on required minimum distributions—what's due by December 31, the first-year exception, and how to get reliable help fast. We close with everyday money habits that actually move the needle, from packing lunch to cutting drink costs when eating out, plus a call to bring the whole family into the budget conversation so kids learn how money works. Link your accounts in your banking app, track progress in real time, and nudge your contributions now rather than “someday.”Ready to take action? Pick one or two items from our checklist and finish them this week. Subscribe, share with a friend who needs a year-end nudge, and leave a quick review to help more people live better with their money.

In this episode, Roger Whitney walks listeners through the complexities of inherited IRAs, highlighting the impact of the SECURE Act of 2019 and clarifying the distinctions between eligible and non-eligible designated beneficiaries. He explains how these classifications affect withdrawals and tax planning, making the rules easy to understand. Roger also answers listener questions on topics like retirement team selection and funding health insurance with HSA accounts. Beyond the numbers, he shares practical strategies for creating more meaningful holiday conversations, drawing on real-life examples to show how curiosity and intentionality can help you connect more deeply with the people you care about.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you rock retirement.(00:30) In today's episode, Roger Whitney covers the rules around inherited IRAs, explores ways to foster deeper and more meaningful conversations during the holidays and beyond, and answers listener questions.RETIREMENT TOOLKIT(01:00) Today ​in ​the ​Retirement ​Toolkit ​we're ​going ​to ​talk ​about ​the ​rules ​around ​inherited ​IRAs.(02:40) Differences between eligible and non-eligible designated beneficiaries for inherited IRAs are explained.(14:32) Roger talks about ROTH IRAs and how they work.RETIREMENT LIFE LAB(16:04) Roger explains how approaching conversations with curiosity and intentionality, especially with older family members or those with different interests, can create more meaningful and enriching interactions.LISTENER QUESTIONS(25:37) Ira asks what to ask a financial advisor's team to understand their retirement planning services and team longevity.(37:02) Mary Jane asks if she can use Health Savings Account funds tax-free to pay for private health insurance premiums before Medicare eligibility.SMART SPRINT(38:42) In the next week, approach holiday or New Year's gatherings with curiosity by asking questions and engaging with people you don't see often to create more meaningful interactions.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

In this episode, Brett Tanner and co-host Katelyn Mitchell walk through the exact end-of-year and start-of-year wealth checklist they personally use to manage their businesses, reduce taxes, and grow long-term wealth.This episode is highly tactical — Brett covers how to update entity structures, evaluate your investments, adjust your wealth plan, review rental performance, optimize retirement accounts, and create a simple 12-month business and financial roadmap.If you're building wealth, this episode shows you precisely what to review, update, and execute every December and January to stay on track for long-term financial freedom.

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!In this episode, we're diving deep into: 1. Wale's new album. Is it worth playing in the OR? A quick, fun review: focus, vibe, and OR compatibility.  2. HSA Deadline Reminder. LAST MONTH to contribute We're making ours… are you? If you're a med student, resident, or attending in a high deductible plan, this is the best tax tool available. This episode hits home for: ● Nursing students ● Medical students ● Residents & fellows ● Attending physicians ● 1099 & locums doctors● Anyone interested in healthcare policy or physician lifestyle If you're studying, training, practicing, or thinking about locums… this one's for you. Comment Below: ● Would you listen to Wale's new album in the OR? ● Are you making your HSA contribution this year? FREE DOWNLOAD -  7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locumsSIGN UP FOR OUR NEWSLETTER!  WATCH THIS EPISODE ON YOUTUBE!Send us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxHave a question for the podcast?Text us at 833-230-2860 Instagram: @docsoutsidetheboxEmail: team@drniidarko.comTwitter: @drniidarkoMerch: https://docs-outside-the-box.creator-spring.comThis episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!This episode hits EVERY corner of healthcare. Medical students, residents, nursing students, and attendings. We're diving deep into: 1. The Department of Education's classification of nursing as not a professional degree ● What does this actually mean? ● Does it affect student loans? ● Will this change the future of nursing?● Why EVERY healthcare worker should pay attention This episode hits home for: ● Nursing students ● Medical students ● Residents & fellows ● Attending physicians ● 1099 & locums doctors● Anyone interested in healthcare policy or physician lifestyle If you're studying, training, practicing, or thinking about locums… this one's for you. Comment Below: ● Are you a nursing student affected by the DOE classification? ● Would you listen to Wale's new album in the OR? ● Are you making your HSA contribution this year? ● Are you considering locums in 2025–2026?FREE DOWNLOAD -  7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locumsSIGN UP FOR OUR NEWSLETTER!WATCH THIS EPISODE ON YOUTUBE!Send us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxHave a question for the podcast?Text us at 833-230-2860Instagram: @docsoutsidetheboxEmail: team@drniidarko.comTwitter: @drniidarkoMerch: https://docs-outside-the-box.creator-spring.comThis episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com

If you’re retiring next year, the details you handle before you give notice can make a meaningful difference. In this episode of Protect Your Assets, The Sandman walks through what to review before you leave work, including 401(k) matching and vesting schedules (cliff vs. graded), what happens to your HSA and FSA, how PTO payouts work (including California considerations), health coverage choices if you’re retiring before 65 (COBRA, spouse coverage, marketplace plans, and Medicare timing), and key pension options that can impact income and legacy. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

If you’re retiring next year, the details you handle before you give notice can make a meaningful difference. In this episode of Protect Your Assets, The Sandman walks through what to review before you leave work, including 401(k) matching and vesting schedules (cliff vs. graded), what happens to your HSA and FSA, how PTO payouts work (including California considerations), health coverage choices if you’re retiring before 65 (COBRA, spouse coverage, marketplace plans, and Medicare timing), and key pension options that can impact income and legacy. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

How Waiting to Retire Can Cost You Millions!This episode examines the significant "cost of waiting" for "high net worth" individuals when it comes to "retirement planning". We explore how delaying this crucial step can impact long-term "wealth management", leading to substantial financial losses. Discover actionable insights for effective "financial planning" to build lasting wealth.One decision can quietly erase seven figures over your career. In this episode, Mr. Moise Piram breaks down the three real costs of delaying retirement savings for high earners and the three actions you can take this week to course correct. No market timing. No gimmicks. Just math and thoughtful planning.What you will learn:• The compound interest penalty: why a 10-year delay can mean over $1 million less at retirement• The employer match gap: how partial participation leaves hundreds of thousands unclaimed• The tax advantage compression: missed deductions, lost HSA growth, and fewer levers in retirement• Three actions to take now: capture the match, automate and escalate, and maximize an HSA when eligibleChapters:Hook and introCost 1: The compound interest penaltyCost 2: Missing the employer matchCost 3: Tax advantage compressionAction plan: three moves to make this weekSummary and next stepsHelpful context for 2025: current limits include a 401(k) employee deferral of $23,500 and HSA limits of $4,300 for individuals and $8,550 for families. Confirm your eligibility and current year limits before acting.Stay tuned for more on financial planning, tax planning, and wealth management. Like, share, and subscribe for weekly updates.Follow 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.

Today's episode tackles a wide mix of practical questions. We explore the pros and cons of unions for doctors, how to protect yourself from ACATS fraud, and what you need to know about vesting rules. We also dig into an asset allocation question, upcoming changes to HSA plans in 2026, and whether it makes sense to exchange a mutual fund for its ETF counterpart. It's a packed episode with insights you can put to use right away. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #449 01:19 Unions in Healthcare 05:43 ACATS Fraud: What You Need to Know 16:43 Vesting in Employer's Retirement Accounts 19:42 Rebalancing vs. Paying Capital Gains 27:33 HSA Eligible Healthcare Plans 34:34 Swapping Mutual Funds for ETFs

Choosing a health insurance plan can feel overwhelming—especially if you're living with a chronic illness like inflammatory arthritis. In this episode, Dr. Isabelle Amigues breaks down insurance in simple, practical terms so you can stop guessing and start choosing confidently. She explains how to compare plans, what “max out-of-pocket” really means, and how expensive medications (like biologics) can actually work in your financial favor. If you've ever stared at open enrollment options and felt lost, this conversation is for you.What You'll Learn in This Episode:Who this episode is forWhen this guidance applies (not for Medicaid; partially for Medicare).How it helps people with chronic conditions, especially rheumatologic diseases.Heath insurance basis explained clearlyThe difference between premium, deductible, and maximum out-of-pocket.Why Dr. Amigues focuses more on max out-of-pocket than on deductibles.Why planning as if you'll hit your max out-of-pocket can actually protect you.Plans for healthy vs. chronically ill individualsWhen a shared health plan or emergency-only style plan might be reasonable.Why people over ~35 or with chronic conditions should think differently.Using high-cost medications to your advantageHow biologics and other expensive medications often trigger drug company copay programs.How these copay programs can help you hit your max out-of-pocket early in the year.Why this can mean you pay mostly just your monthly premium while insurance covers more.How to compare insurance plans step-by-stepSetting up a simple spreadsheet with:Plan nameMonthly premiumMaximum out-of-pocketCalculating your true annual cost: (12 × monthly premium) + max out-of-pocket.Comparing plans realistically instead of just chasing the lowest deductible.If you're trying to minimize your total costsHow some drug companies provide medications for free if you're uninsured (and why she still recommends having insurance).Why insurance should be viewed as protection and peace of mind, not just an expense.Smart ways to invest in your health careWhy pairing insurance with direct primary care and direct-care specialists (like Dr. Amigues) often leads to better care and long-term savings.Using tools like GoodRx, Mark Cuban Cost Plus Drugs, and copay programs to reduce medication costs.Bonus: Using HSAs strategicallyHow high-deductible plans + HSA can be a tax-advantaged way to prepare for health costs.Why every dollar in your HSA is essentially worth more because it's pre-tax and can roll over year to year.Upcoming free webinar & resourcesDr. Amigues introduces her free webinar on the autonomic nervous system and inflammation—how understanding your nervous system can help you reach remission faster.Encouragement to register, ask questions, and use education as a form of empowerment.If you've ever wondered “Which plan should I actually pick?” or “How do my meds affect what I choose?”, this episode gives you a concrete, physician-backed roadmap to make the smartest choice for your health and wallet.#UnabridgedMD #HealthInsuranceTips #RheumatologyCare 

The Health Savings Account (or HSA) gives investors many great advantages, but the vast majority of Americans don't even have one. We'll walk you through the pros, the cons, and the steps to make sure your HSA is set for success in 2026. After showing how to make the most of this account, we answer your financial questions on everything from target date funds to home buying to college. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

A Democrat just won the Miami mayoral election for the first time in 30 years. Trump rally last night. Trump and affordability. Jews playing Christmas tunes! The left hates Sydney Sweeney. Obamacare subsidies aren't going to happen. How about HSA accounts to replace? See omnystudio.com/listener for privacy information.

On Jesse's 11th "Ask Me Anything" episode, he unpacks four questions that sit at the center of real-life financial decision-making. He starts with a grounded look at the 15-year vs. 30-year mortgage debate, cutting through rules of thumb to show how interest rates, liquidity, cash-flow, and even your personal comfort with debt shape the right choice far more than blanket advice ever could. From there, he turns to the under-discussed strategy behind Health Savings Accounts—why the "invest and reimburse later" approach works, when it stops working, and how the tax bomb of leaving HSA dollars to non-spouse heirs should change how listeners think about funding and spending those accounts in their 50s and beyond. In a detailed case study, Jesse walks through a listener's complex 2026 tax year involving rental-property capital gains, ACA cliffs, Social Security timing, and potential Roth conversions, revealing how layered tax rules—income brackets, capital gains stacking, depreciation recapture, and NIIT—interact in ways that can either save or silently cost retirees thousands. And finally, he tackles whether a diehard DIY investor or Boglehead should ever hire a financial planner, drawing a sharp distinction between the "Uncle Franks" who truly live and breathe this stuff and the "Nicks" who love markets but miss the deeper planning work. With clarity, nuance, and practical wisdom, Jesse shows listeners not just what to do, but how to think through the tradeoffs that define good long-term planning. Key Takeaways: • A 15-year mortgage saves significant interest, but the higher monthly payments reduce cash-flow flexibility and increase default risk. • A 30-year mortgage often wins mathematically when investors "invest the difference," thanks to potentially higher long-term market returns versus fixed loan rates. • Choosing a mortgage term is partly a psychological decision, not just a financial optimization. • HSA dollars become a tax trap if left to non-spouse heirs, who must treat the entire balance as taxable income in the year of inheritance. • Selling a rental property triggers both capital gains and depreciation recapture, which can dramatically increase taxable income in that year. • DIY investors vary widely—some are true experts, while others know just enough to make avoidable mistakes. Key Timestamps: (02:04) – 15-Year vs. 30-Year Mortgage Debate (11:03) – Liquidity and Mortgage Payments (13:48) – HSA Accounts: When to Fund and When to Use (25:37) – Spending Down HSA Balances (26:39) – Allison's Financial Planning Dilemma (29:05) – Analyzing Capital Gains and Tax Implications (35:49) – Considering Social Security Timing (38:54) – The Role of Financial Planners for DIY Investors 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 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/ Personal Finance for Long-Term Investors 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.

The final month of the year may be filled with holiday distractions, but it's also where your financial year is won or lost. In this episode, Ryan and Andrew break down the high-impact money moves to make before December 31 — from tax-loss harvesting and charitable gifting strategies to maxing out retirement and HSA contributions. We'll cover the exact contribution limits for 2024/2025, critical RMD deadlines, and the simple checks that can protect your wealth, reduce taxes, and set you up strong for next year. Before the ball drops, make sure your finances are ready for a fresh start!Perfect for individuals and families looking to finish the year right — and for anyone who wants to keep more of what they earn.

Ben & Woods start the 8am hour with Woods learning all about HSA's and how they work after Ben reluctantly Bensplains yet another part of "adulting" to Woodsy. Then we play today's game of Take On Woods before the guys check in with our pal Craig Elsten who joins the show for his weekly Monday appearance! Listen here!

Are you using the wrong retirement withdrawal strategy? Sequential drawdown—draining one account before touching the next—is the most common approach to early retirement, but it could be costing you tens of thousands in unnecessary taxes. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Enrolled Agent Mark to break down tax-efficient withdrawal strategies that maximize your retirement savings. Discover blended drawdown strategies and cyclical drawdown methods that optimize which accounts you tap first—Traditional IRA, Roth IRA, taxable brokerage, HSA—to minimize your lifetime tax burden. This episode covers: Sequential vs. blended vs. cyclical retirement drawdown strategies How to optimize withdrawal order from retirement accounts (401k, IRA, Roth, taxable accounts) Tax-efficient retirement planning for early retirees and FIRE followers How to leverage today's historically low tax rates before they expire Healthcare costs in early retirement (ACA subsidies, Medicare planning) Asset protection and estate planning considerations Roth conversion strategies during low-income years How to avoid costly tax mistakes in the decumulation phase Whether you're planning for financial independence, already retired early, or managing multiple retirement accounts, this tax optimization masterclass will help you keep more of your money and make your nest egg last longer. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this festive and empowering episode, Dr. Des unwraps her top pelvic health gift picks that actually support your core healing, confidence, and connection — whether you're shopping for yourself or the fellow powerhouse women in your life. We're talking about stocking stuffers and holiday must-haves that go beyond the fluff — tools that help you feel stronger, safer, and more supported in your body. If you're tired of guessing what you "should" be using for your pelvic floor (or have no idea where to start), this episode is your curated guide to healing-forward essentials. Dr. Des shares her go-to items she uses personally and professionally with clients inside her signature 12-week RESTORE program, and how to build a supportive toolkit that aligns with your nervous system, lifestyle, and healing timeline. Whether you're in the thick of postpartum, managing prolapse, struggling with pressure, or just want to feel more confident and embodied — this one's for you.

On this episode of American Potential, host David From welcomes back Dean Clancy, Senior Health Policy Fellow at Americans for Prosperity, to break down the major health care wins inside the One Big Beautiful Bill passed this summer. Dean explains how the bill expands access to Health Savings Accounts (HSAs), allowing millions more Americans to save tax-free for health care. Even more exciting — HSA funds can now be used for Direct Primary Care (DPC) subscriptions and telehealth, giving families easier, more affordable access to their preferred doctors without insurance gatekeeping. Dean also highlights key reforms in Medicaid and Obamacare subsidies, what's still needed to deliver true hassle-free health care, and how AFP's Personal Option campaign continues to push for more freedom and affordability in the health system. If you want to understand how the new law impacts your wallet—and why it's a major victory for health care freedom—this is an episode you won't want to miss.