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Most retirement planning focuses on accumulation -- how to save enough. Dana Anspach of Sensible Money has spent her career on the other side of that equation: what happens when it's time to actually spend the money. In her new book Living Off Your Acorns, she breaks retirement into four distinct phases -- pre-go, go-go, slow-go, and no-go -- and argues that the decade before you retire may be the most important planning window of all. CFP and MarketWatch columnist Beth Pinsker also stops by to flag an HSA inheritance problem that almost nobody sees coming.What You'll Walk Away WithDana's four-phase retirement framework -- pre-go, go-go, slow-go, and no-go -- and why the pre-go years (the 10 years before you stop working) are where the most valuable planning actually happensWhy most people wait until months before retirement to do serious planning -- and the specific things you can only fix if you start far enough outThe JP Morgan research showing 20% volatility in retirement spending year over year -- and why that makes flexibility a more important goal than optimizationWhy Dana recommends recalibrating your retirement plan every year rather than building a 30-year model that's guaranteed to be wrong by year fiveThe income ladder approach: how having bonds and CDs maturing each year means you never have to sell investments at a loss to cover spending -- and why it also helps behaviorallyThe fundedness concept: why the safe withdrawal rate was calculated assuming the Great Depression starts the day you retire, and why dynamic go-go spending gives you more room than the 4% rule suggestsThe retirement red zone -- the five years before and the first year after leaving work -- and why Dana starts shifting portfolios toward conservatism 10 years out, not fiveThe long-term care reality check: why only about 15% of people incur a catastrophic care cost, why home equity is Dana's preferred reserve asset, and what insurance actually covers versus what people hope it coversThe HSA tax problem Beth Pinsker uncovered: why a non-spouse beneficiary who inherits your HSA takes the entire balance as ordinary income in a single year -- and why you should spend it before your Roth, not afterWhy power of attorney paperwork at each individual financial institution matters more than most people realize -- and the specific authentication vulnerabilities that put retirees at fraud riskWhy This Matters NowThe decumulation phase requires a completely different strategy than accumulation -- and most people don't start thinking about it until they're months away from leaving work. Dana's case is simple: the earlier you start building flexibility into every decision, the more options you have when life doesn't go according to plan. And it almost never does.From the BasementDana Anspach joins Joe and OG for a deep dive into Living Off Your Acorns, covering everything from her grandpa feeding squirrels in retirement to the very specific paperwork every financial institution needs before they'll honor your power of attorney. Beth Pinsker makes a headline segment appearance to explain the HSA inheritance tax problem her MarketWatch piece uncovered. Doug arrives with World Cup trivia. The community shares reactions to the 59% unplanned retirement episode, including Shep's 30-year story of gradually bumping his savings rate and a 37-year-old Stacker leaving the workforce in two weeks for baby number four.Resources MentionedLiving Off Your Acorns: Your Guide to the Four Phases of Retirement by Dana Anspach -- available on Amazon; search "Living Off Your Acorns" or "Dana Anspach"Sensible Money -- Dana Anspach's financial planning firm; sensiblemoney.comMarketWatch -- "I'm 66 and have $85,000 in my HSA. When should I start spending it?" by Beth PinskerMy Mother's Money by Beth Pinsker -- previous Stacking Benjamins appearance linked at stackingbenjamins.comStacking Benjamins Basics Guide -- stackingbenjamins.com/basicsguideStacking Benjamins YouTube channel -- OG and Anna basics series; youtube.com/stackingbenjaminsStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
You've heard of HENRYs, high earners who are not rich yet. But what if you're a high earner with six figures in student loan debt on top of it? That's a SHENRY, and the path to wealth looks different when a 401(k), a 457, an HSA, and a $300,000 loan balance are all competing for the same paycheck. We walk through the five moves SHENRYs can make to accelerate wealth growth, from maximizing tax-advantaged accounts to using income-driven repayment as a cash flow tool to getting more out of the degree you already paid for.Key moments:(07:24) Wealth move 1: Max out tax-advantaged accounts(08:03) Wealth move 2: Weaponize income-driven repayment(09:09) Wealth move 3: Open a brokerage account early(11:12) Wealth move 4: Use professional loan programs to optimize housing moves(14:25) Wealth move 5: Two ways to maximize the value of your degreeLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:The SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplannerTips I Can't Share PubliclyGetting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership.
Health Savings Accounts are often praised as one of the most powerful tax-advantaged savings tools available, but accumulating assets is only half the equation. The “Henssler Money Talks” hosts explore how retirees can strategically use HSA balances, when it makes sense to pay medical expenses from other accounts, and why these accounts can create unexpected tax consequences for heirs. Because with HSAs, sometimes the challenge isn't building the balance — it's developing a plan to use it effectively.Original Air Date: June 20, 2026Read the Article: https://www.henssler.com/how-an-hsa-can-become-a-source-of-tax-free-retirement-funds
Melissa Ruiz had just worked a long night shift and sat down on the couch for what she thought would be only a moment. But while Melissa rested, something terrifying was unfolding in her own backyard.Moments later, a frantic cry shattered the silence. Her two-year-old daughter, Shelly, was missing. What followed was every parent's worst nightmare—a desperate race against time, frantic CPR efforts, a helicopter flight to a children's hospital, and a family pleading with God for a miracle.Years later, Melissa still struggles to explain what happened that day. This is the remarkable true story of a little girl, a mother's desperate prayers, and the mysterious feeling that may have changed everything.THANK YOU FOR SUPPORTING OUR SPONSORS: Bon ChargeOrder the Bon Charge Red Light Face Mask today at https://boncharge.com Use promo code MIRACLE to get 15%, FREE shipping and a 12-month warranty. HSA and FSA accepted Angel StudiosStorm the theaters on July 4 and help make Young Washington the #1 movie in America. Join the Angel Guild today for $15/month https://Angel.com/MiracleFiles and receive two free tickets to see Young Washington this Independence Day.-------------------------------If you're a fan of true crime but crave a dose of inspiration instead of tales of darkness, The Miracle Files is your perfect alternative. With the same storytelling intensity as true crime podcasts, The Miracle Files delves into the details of each miraculous story, exploring the people and circumstances that turned these moments into something unforgettable. Whether you believe in divine intervention or human perseverance, this podcast will leave you feeling uplifted and amazed. Website: www.themiraclefiles.comPodcast/RSS: https://podcasts.apple.com/us/podcast/the-miracle-files/id1714203488Instagram: https://www.instagram.com/the_miracle_files_podcastFacebook: https://www.facebook.com/profile.phpid=100093613416005&mibextid=LQQJ4dTikTok: https://www.tiktok.com/@the.miracle.files?_t=8rB5ooQd482&_r=1Subscribe now so you don't miss a single episode!
In this episode of One Vision Podcast, Danny Friday, CEO and Founder of Sail, joins Theodora Lau to unpack why the "boring" corners of fintech — HSA and FSA accounts — are exactly where the next wave of meaningful innovation is hiding. Danny shares the origin story behind Sail: a claim over a Spanish-language dental receipt that exposed a deeper challenge about regulated industries: most of their software isn't broken by accident, it's broken by indifference to user experience. They dig into why no one had built itemized, embedded HSA/FSA infrastructure before now, what changed technically to make it possible, and why Danny insists AI should never make the hard calls. The conversation closes on a bigger bet: that within three to five years, every digital banking app will help people reimburse tax-advantaged expenses, and what that means for the industry.
Major events, market narratives, and retirement planning may seem like completely different topics, but they all share a common theme: understanding the forces that shape financial outcomes before they show up in your portfolio.The FIFA World Cup is bringing the world's attention to the United States, but some of the biggest winners may never step onto the field. From hotels and restaurants to transportation providers and local businesses, we'll examine how major sporting events generate economic activity, who benefits most from the influx of visitors, and whether the long-term economic impact lives up to the promises often made by host cities.We'll also look at several stories dominating the headlines — from SpaceX's first week of trading, developments in the Iran conflict, and Kevin Warsh's first Federal Reserve meeting — and discuss why markets increasingly respond to sentiment, geopolitics, and cultural events alongside traditional economic data. Finally, Health Savings Accounts are often praised as one of the most powerful tax-advantaged savings tools available, but accumulating assets is only half the equation. We'll explore how retirees can strategically use HSA balances, when it makes sense to pay medical expenses from other accounts, and why these accounts can create unexpected tax consequences for heirs. Because with HSAs, the real challenge isn't building the balance — it's developing a plan to use it effectively.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — June 20, 2026 | Season 40, Episode 25Timestamps and Chapters6:25: The World Cup Effect: Winners Beyond the Pitch25:19: SpaceX, Spectacles, and Sentiment43:21: When Should You Spend Your HSA?Follow Henssler: Facebook: https://www.facebook.com/HensslerFinancial/ YouTube: https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com
Talking about MEBAC. The questions I have about S&A, and HSA usage.
Kelley Slaught discusses retirement planning, building income streams, managing longevity risks, and handling life changes like divorce and the death of a spouse. This episode offers insights on creating a secure financial future and avoiding common pitfalls. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.
In this episode, Kevin discusses the future of Social Security, the impact of political decisions, and practical strategies for retirement planning amidst economic challenges. 480-406-3396 Silver Leaf FinancialSee omnystudio.com/listener for privacy information.
Summary Most people know Medicare costs money in retirement, but few understand how much their income level affects what they actually pay. In this episode, Wade Borth unpacks IRMAA, the income-related surcharge that can quietly add $162 to $650 or more per month to your Medicare premiums, depending on what you earn. Wade walks through who gets hit, what counts as income in the calculation (including surprises like municipal bond interest and Social Security), and how a single dollar over the threshold can cost you hundreds of thousands of dollars over time. He also explains how properly structured whole life insurance creates an income stream that falls outside the IRMAA calculation, giving retirees a meaningful planning advantage. Key Takeaways IRMAA can add hundreds of dollars per month to Medicare premiums, and a single dollar over the income threshold triggers the full surcharge with no gradual phase-in. Every dollar of the surcharge has a compounding cost. That extra $162 per month, grown at 4% over 20 years, is worth nearly $60,000 in real wealth. Income sources many people overlook in the IRMAA calculation include capital gains, Social Security income, municipal bond interest, rental income, and Roth conversions. IRMAA looks back two years, so a one-time income spike follows you into retirement longer than most people expect. Properly structured whole life insurance, when funded correctly, provides an income stream through policy loans that does not count toward the IRMAA calculation, giving retirees real choices when managing retirement income. Links and Resources Sage Wealth Strategy: sagewealthstrategy.com Keywords IRMAA, Medicare premiums, income-related monthly adjustment amount, retirement planning, Medicare Part B, Medicare Part D, retirement income, whole life insurance, infinite banking concept, IBC, policy loans, capital gains in retirement, Roth IRA withdrawals, 401k withdrawals, Medicare surcharge, retirement mistakes, Wade Borth, Sage Wealth Strategy, wealth erosion retirement, family banking Episode Highlights [00:00:00 - 00:01:32] Wade opens with a lunch conversation where a friend approaching retirement had no idea how IRMAA would affect his Medicare costs. [00:05:15 - 00:08:17] Wade explains the $218,000 joint income threshold and how IRMAA brackets step up in full increments, not gradually. [00:08:18 - 00:09:21] One dollar over the threshold adds $162 per month to a couple's Medicare premium, a 40 percent increase with no phase-in. [00:09:22 - 00:12:24] At a 4 percent growth rate, that extra $162 per month is worth $60,000 over 20 years. At the top bracket, the 20-year cost reaches $238,000. [00:12:25 - 00:17:03] Wade walks through every income source factored into the IRMAA calculation, including capital gains, Social Security, municipal bond interest, and Roth conversions. [00:17:04 - 00:19:35] HSA distributions and Roth IRA withdrawals do not count toward IRMAA, creating real planning flexibility for retirees who hold these assets. [00:19:36 - 00:23:46] Properly structured whole life insurance policy loans fall outside the IRMAA calculation, giving retirees an income source they can draw from without triggering the surcharge.
It's the halfway point of 2026. Do you know if your retirement plan is on track? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray of Decker Retirement Planning walk through their mid-year review process: what to check, what to question, and where the common blind spots are. What this episode covers: • The mid-year checklist: portfolio allocation, spending versus budget, and whether your 401(k), IRA, Roth, and HSA contributions are still on pace • Why set-percentage withdrawal rules like the 4% approach can fall short in a flat market cycle, and how Decker structures income across emergency cash, principal-protected accounts, and a separate risk bucket • Brian's case against traditional quarterly rebalancing, and how relative strength, sector rotation, and momentum strategies shape what Decker clients own right now • What history shows about market valuations above 30 times trailing earnings, and the two ways portfolios have historically generated returns in flat market cycles • The disconnect between record stock prices and a squeezed economy: layoffs, flat unemployment, and why half the country feels it differently than the other half • The mindset shift from saving to spending, including how retirees can think about emergency cash and permission to actually use the money they spent decades building If you're within a few years of retirement, or already there, this episode lays out the questions worth asking before the second half of the year. Schedule a no-cost conversation: 833-707-3030 Free resources, including Brian's book The Decker Approach and a sample income plan, are available at DeckerRetirementPlanning.com under Safer Retirement Education. Serving families in Salt Lake City, Seattle/Bellevue, and the Bay Area, and virtually nationwide. Investment advisory and insurance services offered through Decker Retirement Planning, Inc., a registered investment advisor. Investing involves risk, including the potential loss of principal. Any references to protection or safety generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying ability of the issuing carrier. This show is for informational purposes only and is not tax or legal advice. This radio show is a paid placement.
In this episode: IRS call strategies – A tip for getting through when the IRS won't accept calls • Tax identity theft – How fraudsters file returns using stolen Social Security numbers • Qualified Small Business Stock (QSBS) – A little-known tax exclusion that could eliminate gains for eligible investors • IRS First-Time Abatement – An automated penalty relief process coming soon for late filers • Investment fee deductibility – Why individuals can no longer deduct these fees, but businesses still can • IRS interest rate increases – Higher rates on underpayments and overpayments starting Q3 2026 • 2026 W-2 changes – New codes to identify deductible tips and overtime pay • SALT cap – The $40,000 state and local tax deduction limit reaffirmed through 2029 • 2027 HSA limits – Contribution limits going up, with a reminder of the long-term savings benefits
Join Kelley Slaught, owner and CEO of California Wealth Advisors, as she shares insights on retirement income planning, tax strategies, estate planning, and navigating the complexities of retirement finances. Kelley also discusses a proactive approach with inflation during the retirement years. Learn how to avoid common blunders and create a tailored plan for a secure financial future. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.
Small tax mistakes can cost you thousands, even when you think you're doing everything right.From missing a filing deadline to misunderstanding how a deduction works, small errors can quickly turn into penalties, lost deductions, and a higher tax bill.In this episode, Mike answers real tax questions from small business owners covering gambling losses, BOI reporting, moving an S corporation to another state, the Augusta Rule, HSAs, late 1099s, estimated tax penalties, startup expenses, vehicle write-offs, and more. He breaks down the rules, explains the available options, and shares practical steps to help you stay compliant and avoid costly tax mistakes.
Most investors lose to the market because they're trying to pick winners in a game where only 4% of stocks have created 100% of market wealth over the past century. The math isn't in your favor—but there's a simpler path that is. Key Topics Discussed Introduction to FI 201 (00:00:00) Jonathan introduces the concept of Financial Independence 201, explaining how it builds on FI 101 to help individuals progress from control to optimization and independence on their FI journey. The Genesis of FI 201 (00:05:30) Allen and Kristen explain how they identified the need for a 201-level presentation based on questions emerging from their St. Louis FI 101 sessions, particularly around investing concepts. Asset Allocation Fundamentals (00:15:00) Allen breaks down asset allocation as 'your money pie,' discussing how to balance growth, safety, and emergency funds while considering time horizons and diversification strategies. Risk Tolerance vs Risk Capacity (00:22:00) The team explores the critical difference between emotional risk tolerance and actual risk capacity, using examples from 2008 and 2020 market crashes to illustrate real-world application. Tax-Advantaged Account Strategies (00:35:00) Allen and Brad discuss the various tax treatments of investment accounts including 401(k)s, 457(b)s, Roth IRAs, HSAs, and taxable brokerage accounts, emphasizing lifetime tax optimization. Individual Stocks vs Index Funds (00:48:00) The hosts examine the data on individual stock picking, revealing that only 4% of stocks have contributed to 100% of market wealth over the past century, making a strong case for index investing. Dividends and Tax Control (00:55:00) Brad and Allen discuss why the FI community often prefers capital gains over dividend income, focusing on the importance of maintaining control over when and how you realize taxable events. Notable Quotes "You can't save your way to FI, you have to invest." — Allen Hansen "When there's a dip, you essentially get to buy the market on sale. If you love a bargain, this is it." — Brad Barrett "Why in the world do we not think that way when it comes to the market? Our brain completely flips. We're like, ah, we're scared." — Kristen Knapp "It's not what's my tax this year. It is what is going to be my tax burden over my lifetime." — Brad Barrett "The best investing lesson: stand there and do nothing. If you're invested, just don't do anything and you're going to be rewarded." — Allen Hansen Key Takeaways Assess your own risk tolerance and risk capacity honestly by considering how you would react to a 30% portfolio drop Review your current asset allocation across all accounts and determine if it aligns with your time horizon and financial goals Calculate the difference between your marginal and effective tax rates to understand your true tax burden Identify which tax-advantaged accounts you have access to (401k, 457b, 403b, HSA, IRA) and ensure you're maximizing employer matches Track every dollar of taxable income if you're on ACA subsidies or approaching any subsidy cliffs to avoid losing benefits Consider whether you have the right balance between taxable, tax-deferred, and tax-free accounts for maximum flexibility in retirement Join or start a local FI group to benefit from community wisdom and learn from others at different stages of the journey Review your portfolio for dividend-heavy investments and consider whether you'd prefer more control over when you realize taxable events Resources & Links FI Friends Travel The Simple Path to Wealth by J.L. Collins Tax Planning to and Through Early Retirement by Sean Mullaney and Cody Garrett ChooseFI Community App St. Louis FI Group BlackBerry Documentary (Netflix) Arizona State University Stock Market Wealth Study Brian Feroldi (individual stock investing advocate) Investopedia
Don records through a booming Florida thunderstorm while tackling five listener questions. He discusses a thoughtful strategy for using a UTMA account to teach investing and potentially fund a future Roth IRA, then provides a detailed overview of what goes into a true financial plan, including cash flow analysis, insurance, estate planning, tax strategy, retirement projections, and investment management. Another listener asks about investing for a long life, prompting Don to explain why maintaining a diversified portfolio and spending less than portfolio growth are the keys to retirement sustainability. He also addresses when retirees might safely move from a 4% withdrawal rate toward 5%, emphasizing flexibility over rigid rules. The episode concludes with a discussion of HSAs, explaining why they are often better spent during retirement rather than left to non-spousal heirs, who may face less favorable tax treatment.0:04 Florida thunderstorm opening and update on the new podcast website and question system2:35 Using a UTMA account as a teaching tool, harvesting gains for a child, and eventually funding a Roth IRA4:47 What a comprehensive financial plan actually includes beyond investments6:14 Gathering financial data, setting goals, cash flow analysis, and risk management7:42 Asset allocation, diversification, Monte Carlo simulations, and behavioral coaching8:28 Retirement planning, Social Security timing, Roth conversions, RMDs, and tax strategies10:23 Listener crediting the show for retirement confidence and asking about investing for longevity12:37 Why spending less than portfolio growth is the key to long-term retirement success14:15 Whether a 4% withdrawal rule can become 5% later in retirement15:45 Fixed versus flexible withdrawal strategies and how age affects sustainable spending17:49 HSA withdrawal decisions in retirement and inheritance considerations19:31 Why HSAs generally should be spent rather than preserved for non-spousal heirs20:52 Meet-an-Advisor invitation and how portfolio reviews can uncover hidden risksQuestions? Comments? Click!
In this episode of the On Track Podcast, we continue our series answering questions submitted during the all-employee meetings with Pete Perizo, Workforce Advancement Manager; Vice President of Human Resources, Amanda Martin; Chief Operating Officer - North and Vice President of New England Operations Doug Morrison; and Chief Operating Officer - South and Vice President of Mid-Atlantic Operations Justin Porter. The group covers a wide range of topics, including how to better yourself in your daily role, what career advancement really looks like at Sargent, how the Construction Academy works and who it's for, cross-training opportunities in the field, and what it takes to earn trust and move up in the company. The conversation also shifts to benefits and compensation, touching on how Sargent uses the Employment Cost Index rather than a standard COLA adjustment, what's being evaluated in this year's benefits review, how the high-deductible health plan and HSA work together, the boot reimbursement program, and how profit sharing is calculated and paid out.Workforce Advancement contact information:Pete's Work Phone – (207) 817-7558Email – wfa@sargent.usIf you liked this week's episode and are interested in becoming an Employee-Owner at Sargent, please visit our careers page on the Sargent website.https://sargent.us/apply/If you have an episode suggestion, please send your idea to:sbennage@sargent.us
Listener Q&A where Andy talks about: Claiming your own Social Security benefit at 62 and then later switching to collecting a spousal benefit after your spouse starts their benefit ( 5:45 )It's said by comedians that there are just a small number of basic jokes and everything else is just a variation. The same could be said about financial planning, where there are just a few core topics, and everything else is a variation on a core topic ( 11:18 )What is meant when it's said the stock market is a "complex adaptive system," and that it's movement is a "random walk" ( 14:08 )How to determine how much tax to withhold from your Social Security payments ( 17:34 )Why many flat fee financial advisors who focus on working with retirees only work with people whose net worth is generally no more than $10 million ( 21:22 )Bonds vs bond funds, and the pros and cons of using each for money that you plan on needing in three years, for example ( 29:23 )An example of removing "cream from the coffee" with regards to after-tax contributions or basis in traditional IRAs, so you can convert just the after-tax contributions without the pro rata rule making some of that conversion taxable ( 33:44 )Participating in fully paid securities lending programs at your brokerage custodian, where the custodian will borrow some of your securities out of your account and pay you some interest for doing so ( 41:50 )Thoughts about rolling over an HSA from one custodian to another, and whether it's better to do a direct custodian-to-custodian transfer (even if the money is out of the markets for a few weeks), or an indirect 60-day rollover (which will likely be processed and reinvested faster) ( 48:10 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:Tenon Financial monthly newsletter/blog - 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
On the podcast: why authentic founder-led content outperforms, tapping into HSA payments to unlock a whole new audience, and the growth lever no dashboard can measure.Top Takeaways:
If you've been told you have PCOS — or maybe you were told you might have it and that's where the conversation stopped — this episode is for you. We're talking about what is actually happening inside your body with PMOS: the blood sugar instability, the inflammation, the gut connection, and why advice like "just lose weight" or "just go low carb" completely misses the mark. I'm also walking you through how I use the Dutch test in my practice to find the primary driver of your symptoms so we stop guessing and actually start getting somewhere.IN THIS EPISODE, YOU'LL LEARN:Why PCOS was officially renamed PMOS — and why that name change actually matters for youHow insulin resistance drives androgens up and why your body behaves so differently than someone without PMOS doing the exact same thingsWhy inflammation is likely the primary reason weight loss feels impossible — and why nobody has ever told you thatThe gut dysbiosis loop that keeps PMOS symptoms cycling and why carnivore or extreme low carb gives temporary relief before making things worseWhat the Dutch test actually shows on paper for a woman with PMOS — and why a standard serum lab draw keeps telling you everything looks fineWhy eating less is not the answer and what your body actually needs to start feeling betterWhat's included in the complete hormone package and how to get startedTIMESTAMPS:00:00 Welcome & Who This Episode Is For02:19 The Name Change: PCOS to PMOS08:56 What's Actually Happening In Your Body10:07 Blood Sugar Instability & Insulin Resistance12:27 Inflammation: The Primary Driver Nobody Talks About13:56 The Gut Connection & Gut Dysbiosis17:50 Why Carnivore & Low Carb Are Temporary Fixes20:32 The Dutch Test Story for PMOS23:18 What She Actually Needs Instead26:31 The Complete Hormone PackageRESOURCES:
Today, Amy and Jag look at a financial risk that is easy to ignore because it does not feel urgent in the moment: the cost of doing nothing. In this episode, we focus on how delays in financial decisions can quietly create long term consequences, especially for healthcare professionals who are used to acting quickly at work but may postpone choices in their own financial lives. The central idea is simple. Inaction is still a decision, and over time it can carry a real cost. Amy explains that many financial delays do not come with immediate pain. Income is still coming in, accounts still exist, and nothing appears broken. That makes it easy to leave cash uninvested, skip HSA contributions, ignore open enrollment changes, or delay insurance decisions. But time is often the thing being lost, and time can translate into large amounts of money. A $100,000 cash balance left sitting too long can mean missing tens of thousands of dollars in growth. Missed HSA contributions can reduce both tax savings and long term wealth. Idle cash spread across accounts may not seem serious until the total missed opportunity becomes clear. The episode also highlights timing windows that matter. Open enrollment, tax planning before year end, lower income years that create Roth conversion opportunities, and insurance decisions made while health is still favorable can all have meaningful financial impact. Amy gives several examples where waiting leads to higher taxes, less retirement savings, or insurance that becomes more expensive or unavailable. She also notes that rule changes can remove options people assumed would still be there later. A major theme in the conversation is that the biggest mistakes are often basic ones that never get revisited. People repeat the same benefits elections, forget to update beneficiaries, let cash build up unintentionally, and miss planning opportunities because nothing forces action. Amy stresses that beneficiary designations override a will, which makes that one of the fastest and most important items to review. She also emphasizes income protection through insurance and the importance of identifying unintentional cash balances. The practical advice is to start small and focus on what matters most. Review beneficiaries. Check insurance coverage. Look for idle cash. Make a short list of what has a deadline, what affects family, and what becomes more expensive if delayed. Amy suggests one or two intentional financial reviews each year, along with a pre year end tax check and regular check ins on the biggest issues. The message is not to do everything at once. It is to notice what has been sitting too long and move it forward. Doing nothing feels neutral, but it is often where the biggest hidden costs begin. (00:00) Intro (00:16) Why financial inaction feels harmless (01:50) The real cost of waiting (03:10) Missed HSA contributions and idle cash (04:29) How to triage financial decisions (05:00) Tax timing and lower income years (06:14) Why insurance gets riskier to delay (06:51) Decisions that get more expensive over time (10:05) Common mistakes people make when they delay (12:18) Where to start fixing it (17:57) Key takeaways To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/
Jim and Chris discuss listener emails on Social Security spousal benefits, portfolio withdrawal strategy for early retirement, HSA and Medicare premiums, the 4% rule, Roth self-employed 401(k)s, Roth conversions, and retirement trusts. (10:45) A listener asks whether her husband claiming Social Security on his own record before she files at 70, including as early as 62, would reduce his eventual spousal benefit, and in what circumstances an earlier filing might make sense for them. (20:45) She also asks how to structure her portfolio to cover a seven-year income gap before Social Security begins and fund a potential home purchase at retirement. (46:15) George and Georgette want to know which Medicare-related costs – IRMAA surcharges, Part D, and supplemental insurance – qualify for HSA reimbursement, and whether they can apply HSA funds retroactively to prior-year premiums. (54:30) The guys address the idea that money reimbursed from an HSA isn’t restricted to medical use, so saving receipts over the years can turn an HSA into a source of tax-free cash for virtually any expense. (1:01:15) A listener compares the 4% rule to Newton’s laws of motion – foundational but not the final word – and describing how he’s combining that framework with their retirement income approach for his own long-range planning. (1:08:30) Jim and Chris share a listener’s PSA that Fidelity began offering a Roth self-employed 401(k) in 2025, in response to a question from a recent episode. (1:11:30) One listener pushes back on the idea that Roth conversions only make sense at a lower tax bracket, walking through a math example to show that tax-free compounding can make converting at the same — or even a higher — bracket financially worthwhile. (1:17:45) George has structured his IRA with a testamentary trust for a financially irresponsible adult child and asks whether a “retirement trust”, could allow the trust to receive IRA assets without the compressed tax rates that typically apply to trusts. The post Social Security, Withdrawal Strategy, HSAs, 4% Rule, Roths, Retirement Trust: Q&A #2621 appeared first on The Retirement and IRA Show.
Many Americans dream about retiring early, but few fully understand the healthcare costs that come before Medicare eligibility at age 65. In this episode of the Capitalist Investor, Mark Tepper and Tony Zabiegala break down the real financial impact of retiring early and why healthcare planning needs to be part of every retirement strategy.They discuss COBRA, Affordable Care Act options, HSA strategies, Roth conversions, tax efficient income planning, and how healthcare costs can dramatically affect long term retirement success. The conversation also highlights why retirement planning is not just about investments and asset levels, but about building the right income strategy before Medicare begins.If you are considering retiring before 65, this episode explains the hidden costs many retirees overlook and how proper planning years in advance can help reduce financial stress later in retirement.
The HSA “Shadow Roth IRA” Strategy: How to Turn Medical Receipts Into Future Tax-Free Income.Health Savings Accounts (HSAs) are uniquely “triple tax advantaged” accounts. And there are more ways than one to ues them effectively. Today we'll walk through three levels of using an HSA and dive into an advanced planning strategy we're dubbing the "Shadow Roth IRA" (or "Level 3").
Hosted by Michael Tetreault | Editor-in-Chief, Concierge Medicine Today Episode Overview In one of the most comprehensive episodes in DocPreneur Leadership Podcast history, host Michael Tetreault takes an honest, evidence-based, and encouraging look at the cash-pay and subscription-based primary care landscape — who it serves, how it works, where it's heading, and what every physician and advanced practice clinician needs to understand before making a career-defining decision. This episode doesn't take sides. It takes a clear-eyed look at the full picture — including the parts that don't always make it into the conference keynote. What's Covered in This Episode The Foundation Not all subscription-based primary care models are the same. Two models operating in this space share surface-level similarities but are structurally distinct businesses with different economic logic, different patient populations, and different long-term trajectories. Understanding which one you're considering — and why — changes everything about how you plan. A Lesson From Healthcare History Before committing to any practice model, it helps to understand what happened to the movements that came before it. This episode traces three instructive parallels: the micropractice and ideal medical practice movement of the early 2000s; the decades-long fight for healthcare price transparency and what happened when physicians finally got it; and the rise and reality check of retail health — what scaled, what didn't, and why. The common thread in every model that has achieved durable scale in American healthcare is the same: structural fit with the economic environment, not ideological purity. Two Pathways, One Brand Name The episode walks through both economic models in the cash-pay primary care space — the purist, cash-only, no-insurance model and the employer-integrated model — explaining how each works, who each serves, and what the financial picture actually looks like for physicians considering either path. The revenue math is done out loud. The sustainability data from peer-reviewed research is cited. The patient demographic fit for each model is examined honestly and specifically. Who Each Model Serves — and Where Other Models Fit Better A detailed breakdown of the patient populations each model genuinely serves well — and an honest, evidence-based look at the patient populations where other models may be a better structural fit. Including Medicare-eligible patients, patients with complex chronic disease, lower-income households, and employees of small and mid-sized businesses. The Overlooked Opportunity — NPs, PAs, and Advanced Practice Clinicians One of the most significant and underexplored opportunities in subscription-based healthcare delivery today is the direct-care model as a pathway for nurse practitioners, physician assistants, and other advanced practice clinicians. The evidence on NP and PA-led primary care outcomes is strong and peer-reviewed. The physician shortage projections make the need urgent. And the organizational infrastructure for advanced practice clinician-led direct-care practices is largely unbuilt — which means the opportunity belongs to whoever moves first. The Organizational Landscape An honest look at what the multiplicity of organizations, coalitions, and alliances in the cash-pay primary care space tells us — and what research on professional association dynamics says about the long-term implications of organizational fragmentation for legislative effectiveness and individual practice planning. One Brand, Two Directions Drawing on four documented historical parallels from the history of American medicine — the AMA and managed care, osteopathic medicine's identity divide, family medicine's emergence as a separate specialty, and the micropractice movement — the episode makes the case that two communities with genuinely different economic interests and regulatory priorities currently sharing a brand name may, consistent with historical precedent, find their own distinct professional homes over time. This is presented as pattern recognition grounded in verified historical evidence — and as practical planning context for physicians building practices today. The Tax and Structuring Update A clear, practical summary of the 2025 "One Big Beautiful Bill" Act changes — effective January 2026 — and what they mean for HSA eligibility of cash-pay membership fees. What qualifies, what doesn't, and why legal counsel is essential before making any representations to patients about tax-advantaged payment options. Eight Questions Before You Commit A practical pre-decision checklist — eight specific questions every physician or advanced practice clinician should be able to answer clearly before committing to any cash-pay practice pathway. Key Takeaways Cash-pay primary care and concierge medicine are not the same model, do not serve the same patient populations, and should not be evaluated as interchangeable alternatives. The purist cash-pay model has grown from approximately 100 practices in 2009 to over 2,100 by 2023 — real and meaningful growth. The financial sustainability data, however, reflects consistent challenges that peer-reviewed research has documented specifically in lower-income markets and solo practice settings. The employer-integrated pathway has stronger structural sustainability — multiple revenue streams, embedded benefit relationships, and documented employer cost reductions of 12 to 20 percent over three to five years. A December 2025 Johns Hopkins study found concierge and cash-pay primary care practices combined grew 83.1 percent between 2018 and 2023. The employer-integrated model is the primary driver of that growth trajectory. Concierge medicine — particularly the PCM model — is not retreating. The global concierge medicine market is projected to surpass $34 billion by 2032 and is growing at a compound annual rate that outpaces most healthcare market segments. The National Academy of Medicine's 2021 Future of Nursing report, AAMC physician shortage projections, and peer-reviewed NP/PA outcomes research collectively point to advanced practice clinician-led direct-care models as one of the most significant underexplored opportunities in subscription-based healthcare delivery. Pattern recognition from healthcare history — price transparency, retail health, the micropractice movement — consistently shows that the distance between a compelling healthcare idea and durable scaled impact is longer and more complicated than early advocacy suggests. Models that have achieved durable scale in American primary care share one characteristic: structural fit with the economic environment, not independence from it. Sources and Citations All claims in this episode are supported by published, verifiable sources. Full citations below. Micropractice and Practice Model History Moore, G. (2002). "Accountability and Improvement in Physician Practice." Family Medicine. Moore, G. & Showstack, J. (2003). "Primary Care Medicine in Crisis." Health Affairs. healthaffairs.org AAFP TransforMED Initiative. (2006). aafp.org Nutting, P.A. et al. (2010). "Initial Lessons From the First National Demonstration Project on Practice Transformation to a Patient-Centered Medical Home." Annals of Family Medicine. Rittenhouse, D.R. et al. (2009). "Primary Care and Accountable Care." New England Journal of Medicine. Rittenhouse, D.R. & Shortell, S.M. (2009). "The Patient-Centered Medical Home." JAMA. Price Transparency Research Pathak, Y. & Muhlestein, D. (2024). "Public Awareness and Use of Price Transparency: Report From a National Survey." West Health Institute / Gallup. pmc.ncbi.nlm.nih.gov Parente, S.T. (2023). "Estimating the Impact of New Health Price Transparency Policies." Inquiry.pmc.ncbi.nlm.nih.gov ScienceDirect. (2025). "Outcomes of Price Transparency Policies for Healthcare Services in the United States: A Systematic Review." sciencedirect.com Retail Health Fein, A.J. (2017). "Retail Clinic Check Up: CVS Retrenches, Walgreens Outsources, Kroger Expands." Drug Channels. drugchannels.net CNBC. (2024). "Why Walmart, Walgreens, CVS Retail Health Clinic Experiment Is Struggling." cnbc.com Healthcare Finance News. (2023). "Retail Clinics Seeing Utilization Soar, Popularity Grow." healthcarefinancenews.com MedCity News. (2023). "Retail Clinics Are Gaining Momentum." medcitynews.com Cash-Pay and Subscription Primary Care Market Data MedCity News. (March 2026). "DPC Is Scaling — The Financing Architecture Isn't Ready." medcitynews.com Johns Hopkins. (December 2025). Study on concierge and cash-pay practice growth 2018–2023. As cited in MedCity News, March 2026. Liaw, W. et al. (2024). "Direct Primary Care: Financial Analysis and Potential to Reshape the U.S. Healthcare Landscape." Journal of General Internal Medicine. springer.com Lujan, D.Y. (2025). "Why Direct Primary Care Models Fail." KevinMD. kevinmd.com Doan, L. et al. (2019). "Physician Perspectives on Direct Primary Care." Family Medicine. Eskew, P.M. & Klink, K. (2015). "Direct Primary Care: Practice Distribution and Cost Across the Nation." Health Affairs. healthaffairs.org Tseng, P. et al. (2018). "Administrative Costs Associated With Physician Billing and Insurance-Related Activities." JAMA Internal Medicine. Medscape Physician Compensation Report. (2023). medscape.com Employer-Integrated Model Spann, S.J. et al. (2020). "Employer-Sponsored Direct Primary Care." Journal of Occupational and Environmental Medicine. National Alliance of Healthcare Purchaser Coalitions. (2021). purchaseralliance.org Kaiser Family Foundation. (2023). Employer Health Benefits Annual Survey. kff.org National Business Group on Health. (2022). businessgrouphealth.org Employers Health Coalition. (2022). employershealthcoalition.org Patient Demographics and Population Health Anderson, G.F. (2010). "Chronic Conditions: Making the Case for Ongoing Care." Johns Hopkins Bloomberg School of Public Health. Tikkanen, R. & Abrams, M.K. (2020). "U.S. Health Care from a Global Perspective." Commonwealth Fund.commonwealthfund.org Collins, S.R. et al. (2022). "Paying for It: How Health Insurance and Healthcare Costs Are Shaping the Lives of American Adults." Commonwealth Fund. commonwealthfund.org Bureau of Labor Statistics. (2023). "Contingent and Alternative Employment Arrangements." bls.gov Petterson, S. et al. (2012). "Unequal Distribution of the U.S. Primary Care Workforce." Annals of Family Medicine. Advanced Practice Clinicians and Nursing Laurant, M. et al. (2019). "Revision of Professional Roles and Quality Improvement in Primary Care." New England Journal of Medicine. Naylor, M.D. & Kurtzman, E.T. (2010). "The Role of Nurse Practitioners in Reinventing Primary Care." Health Affairs. healthaffairs.org National Academy of Medicine. (2021). "The Future of Nursing 2020–2030." nationalacademies.org AAMC. (2021). "The Complexities of Physician Supply and Demand: Projections from 2019–2034." aamc.org Legal, Tax, and Compliance Eischen, J. (2025). Legal Commentary on Cash Practice Structuring. eischenlawoffice.com DLA Piper. (2025). "Paying for Direct Primary Care Arrangements With HSAs." dlapiper.com IRS Notice 26-05. irs.gov CMS. "Opt-Out Affidavits and Private Contracts." cms.gov Organizational and Professional Identity Research Hoff, T.J. (2010). Practice Under Pressure: Primary Care Physicians and Their Medicine in the Twenty-First Century. Rutgers University Press. Scott, W.R. (2008). Institutions and Organizations: Ideas and Interests. SAGE Publications. Freidson, E. (2001). Professionalism: The Third Logic. University of Chicago Press. Wolinsky, H. & Brune, T. (1994). The Serpent on the Staff: The Unhealthy Politics of the American Medical Association. Putnam. Gevitz, N. (2004). The DOs: Osteopathic Medicine in America. Johns Hopkins University Press. Stephens, G.G. (1989). "Family Medicine as Counterculture." Journal of Family Practice. Colwill, J.M. (1992). "Where Have All the Primary Care Applicants Gone?" New England Journal of Medicine. Meltzer, D.O. & Chung, J.W. (2014). "The Population-Based Physician Workforce." Health Affairs.healthaffairs.org Bodenheimer, T. & Pham, H.H. (2010). "Primary Care: Current Problems and Proposed Solutions." Health Affairs. healthaffairs.org Grumbach, K. & Grundy, P. (2010). "Outcomes of Implementing Patient Centered Medical Home Interventions." JAMA. Concierge Medicine Market Data Grand View Research. (2022). Concierge Medicine Market Size & Growth Report. grandviewresearch.com Precedence Research. (2023). U.S. Concierge Medicine Market Size and Forecast. globenewswire.com MDVIP. (2020). Personalized Primary Care Reduces ER Visits, Hospitalizations, and Outpatient Expenditures.mdvip.com AAPP / Software Advice. (2023). "Concierge Medicine Salary and Definition." softwareadvice.com Disclaimer The DocPreneur Leadership Podcast is produced by Concierge Medicine Today, LLC, an independent healthcare leadership publication. This episode and its accompanying summary are intended for educational and informational purposes only. Nothing in this episode or summary constitutes medical, legal, financial, or accounting advice. The information presented reflects publicly available research, published data, and editorial observation, and is not intended to replace the guidance of qualified medical, legal, financial, or business professionals. All factual claims are supported by named, verifiable third-party sources, which are cited in full above. Concierge Medicine Today makes no guarantee regarding the completeness or currency of external sources cited and encourages listeners to verify information independently. References to specific organizations, publications, legal decisions, or market data are provided for educational context only. Mention of any organization, publication, or individual does not constitute endorsement, and no commercial relationship exists between Concierge Medicine Today and any source cited in this episode unless otherwise disclosed. Physicians, nurse practitioners, physician assistants, and other clinicians considering any practice model change are strongly encouraged to seek qualified legal counsel with specific experience in healthcare compliance, tax structuring, and the applicable regulatory environment in their state before making any practice or business decisions. © 2007–2026 Concierge Medicine Today, LLC. All rights reserved. Reproduction or distribution of this content without written permission is prohibited.
Social media wants you to believe your cortisol is high, that's why you can't lose weight, and here's a supplement to fix it. But what if your cortisol is actually low? What if your body is producing a ton of it and immediately deactivating it so you can't use any of it? What if the reason you're waking up at 2am has nothing to do with stress and everything to do with what you ate yesterday?In this episode — week two of the DUTCH test series — I'm clearing up the cortisol picture entirely. What it really is, what the DUTCH test actually shows us, and why guessing your cortisol is costing you years of trying everything and never feeling better.IN THIS EPISODE, YOU'LL LEARN:Why "cortisol face" isn't real — and what the internet is actually selling youThe three cortisol patterns I see most often on DUTCH tests (and how to recognize yourself in one of them)Why your body might be producing high cortisol and deactivating it so you can't use it — and what that looks like on a blood draw vs. a DUTCH testWhat late-stage adrenal burnout actually feels like from the insideWhy you're waking up at 2 or 3am — and the blood sugar connection nobody is talking aboutThe cortisol-muscle connection: why high cortisol breaks muscle down and low cortisol means your body won't invest in building itWhy you cannot out-supplement your cortisol pictureA real client story: how not eating enough was showing up as ADHD symptoms, anxiety, and total overwhelm — and what one simple change didTIMESTAMPS:00:14 Welcome & what we're covering today 02:14 Why social media gets cortisol wrong 04:27 What cortisol actually is and what your adrenal glands are doing 06:51 Pattern 1: High cortisol your body is deactivating (cortisone) 09:04 Pattern 2: Low cortisol — the late-stage adrenal burnout picture 12:51 Pattern 3: Wrong timing — cortisol at 2am and the blood sugar connection 14:06 The cortisol and muscle connection 19:25 Why you can't out-supplement your cortisol 21:43 Client story: ADHD, under-eating, and a cortisol picture that explained everything 25:15 What to do next + the Complete Hormone PackageRESOURCES:Book a Consultation — Complete Hormone Packagehttps:// l.bttr.to/EfG9n — Not sure if this is right for you? Schedule a 20-minute consultation. I'll review your full health history and give you an honest answer on whether this is the right fit.Ready to get started? https://l.bttr.to/xPtJZ — Complete Hormone Package is $899 (or 3 payments of $299/month). HSA and Flex spending accepted. Available through May 31st only.DM me the word DUTCH on Instagram @melissa_eich — I'll send you everything you need to get started or ask questions.
Personalization is still reactive, and that is why it stopped working. In this episode of Content Amplified, Katie Carroll, VP of Product Strategy at Businessolver, makes the case for moving past variable tags and behavioral triggers into anticipation: helping people before they know what to ask. Katie walks through findings from Businessolver's eighth annual Benefits Insights Report, including the counterintuitive idea that "quiet" (no clicks, no engagement, no support tickets) might be the real success metric, and how an in-house AI hit 91% instant resolution by reading the path a user is already on. She uses concrete examples (an HSA nudge after a pediatrician visit, an auto-enrollment in a prescription management program, a Social Determinants of Health lookup that connects a parent to childcare) to show what anticipation looks like in practice. She also explains why AI SDRs flopped, why marketers have to lean hard into data analytics in 2026, and why the easiest brand to interact with is the one that wins. If you want a practical starting point for building anticipation into your marketing, this one is for you.About KatieKatie Carroll is the VP of Product Strategy at Businessolver, a benefits administration tech company that powers the platform employees use to enroll in their benefits. She has spent her whole career in tech, starting on the consumer side at companies like eBay before moving into B2B, which gives her a rare cross-pollinated view of how people actually want to interact with software. Katie sees the healthcare and benefits space as a personal mission, drawing on the universal frustration most Americans have with the system to push her team toward more anticipatory, helpful user experiences.Show Notes- Connect with Katie on LinkedIn: https://www.linkedin.com/in/katie--carroll/- Businessolver Benefits Insights Report: https://businessolver.com/benefits-insights/Text us what you think about this episode!
You wake up, check your portfolio, and realize one stock has quietly become your entire retirement plan. Maybe it came from an employee stock purchase plan. Maybe Grandma left you a pile of Apple shares. Maybe you bought NVIDIA in 2012 because you liked the graphics card and forgot about it. However you got here, the problem is the same: one company now owns you. Joe and OG walk through exactly how to unwind it -- slowly, tax-efficiently, and without making the emotional decisions that cost people the most money.What You'll Walk Away WithThe four ways people end up with concentrated stock -- and which one has the easiest fix that most people skip entirelyWhy inheriting stock is actually the best time to diversify -- and the step-up in basis rule that eliminates most of the tax billThe conveyor belt strategy for employee stock purchase plans that keeps you collecting the discount without piling up company riskWhy "I'll just grow around it" almost never works -- and the math behind why your stock tends to outpace your ability to diversify around itThe question Joe asked every client in this situation: which outcome would upset you least -- and why that's the right starting pointRSUs as a paycheck, not a loyalty pledge -- and the mental reframe that makes it easier to sellWhat the Merck/Vioxx story teaches about why the tax bill is almost never the real reason to hold concentrated stockWhen a slow systematic sell makes sense versus ripping the Band-Aid -- and how to decide which one you can actually live withThe estate planning mistake that turns a free inheritance into a massive capital gains bill -- and why the $1 trick backfires every timeThe insurance planning framework OG and Anna walk through: life, disability, long-term care, and property/casualty -- including the umbrella policy most people skipWhy This Matters NowIf you've spent years building something -- through your career, through conviction, through an inheritance -- the last thing you want is to lose it all because one company had a bad quarter. The diversification conversation feels complicated, but the framework is simpler than most people think. The hard part isn't knowing what to do. It's making the decision when the stock is moving and your emotions are loud.From the BasementJoe and OG dig into concentrated stock risk -- how people get there, what it actually costs them, and the five strategies for getting out without making it worse. OG and Anna return for episode two of their financial basics series with a full insurance planning walkthrough -- including the disability insurance gap most people don't know they have. Doug arrives with Mount St. Helens trivia and a dryer situation that may or may not involve auto parts. Stacker Molly's car repair HSA story gets a full investigation and a satisfying resolution.Resources MentionedStacking Benjamins Basics Guide -- season one and season two workbooks free at stackingbenjamins.com/basicsguideStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Community -- stackingbenjamins.com/basementYahoo Finance / CNBC insider trading tracker -- referenced for monitoring executive stock salesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Jim and Chris discuss listener emails on the SSA-44 and IRMAA process for a couple approaching Medicare, Social Security survivor benefit strategy, tax diversification for young investors, HSA vs. IRA prioritization and spending strategy during the delay period, and inherited IRA RMD rules for non-eligible beneficiaries. (15:30) A listener approaching Medicare asks how the SSA-44 process applies when one spouse is retiring while the other continues to work, and whether their planned Roth conversions could complicate the IRMAA appeal filing. (33:15) Georgette wonders whether she can start her own Social Security at 67, switch to a lower survivor benefit if her husband passes, and then return to her own larger benefit at 70. (41:00) The guys hear from a parent helping his adult children decide whether to convert their traditional IRAs to Roth IRAs or preserve a mix of account types for tax diversification in retirement. (57:45) Jim and Chris address two questions: (1) whether HSA contributions should be prioritized over IRA contributions for retirement savings, and (2) how to bridge a cash flow gap when brokerage funds run out during the delay period without undermining ongoing Roth conversions. (1:26:15) A listener asks whether a non-eligible beneficiary who inherits a traditional IRA before the decedent’s required beginning date must still take RMDs, given that the decedent had already taken one RMD in the year they turned 73. The post IRMAA, Social Security, Tax Diversification, Delay Period, Inherited IRA: Q&A #2620 appeared first on The Retirement and IRA Show.
American Institute of CPAs - Personal Financial Planning (PFP)
Sometimes the biggest client wins start with a simple question. In this episode, Cary Sinnett and Jackie Cummings Koski share five fast, high-impact planning ideas that can instantly deepen client conversations and uncover bigger opportunities. From forgotten 401(k)s and Roth-funded 529 strategies to overlooked HSA and charitable planning moves, these are the kinds of insights that make clients stop and say, "Wait… I didn't know that." If you want practical ideas you can use immediately to create value, strengthen relationships, and spark more meaningful planning engagements, this episode is for you. Questions answered: Can clients really use 529 plans for professional credentials and Roth IRA funding? How can clients access retirement money before age 59½ without the 10% penalty? Are advisors overlooking powerful HSA planning opportunities for families? What charitable giving strategies work best for non-itemizers? How do clients find forgotten 401(k)s and abandoned accounts? Resources: Retirement Savings Lost and Found Database National Association of State Treasurers Health Savings Accounts Beyond the Basics 529 plan expansion boosts education and CPA access Slott and Keebler on what to watch out for with SECURE 2.0 This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
"Don't sit around waiting to feel motivated. You take some little actions, and that often gives you the motivation and the momentum to move forward." Our hosts, Stephanie McCullough and Kevin Gaines, sit down to work through a HerMoney.com list of ten things to do when retirement is a decade away. The meta-lesson turns out to be bigger than any single item on it! The list, from Jean Chatzky's financial information service for women, gives them a useful scaffold, but what they keep returning to is the paralysis that keeps so many people from starting at all. Planning for retirement can feel like pushing a stone uphill; getting moving makes it roll the other way. The list items themselves span the practical and the personal. Test-drive potential retirement destinations before committing. Tackle home repairs now, while you still have a paycheck. Start volunteering, not just to give back but to road-test how you'll spend your time when work no longer fills it. On the financial side: understand what Medicare actually covers (spoiler: not dental, vision, or long-term care). Build your HSA if you're eligible. Track down old 401(k)s and check the beneficiaries on every account. Create your Social Security account online and verify your earnings record for errors. And on claiming age, Kevin pushes back on the blanket advice to "always wait" because Social Security strategy depends on how it fits the rest of your specific plan. The bonus tip says it all: say it out loud. Telling people you're planning to retire creates accountability. It makes the stone easier to push! Key Topics: ● Trying Out Retirement Destinations (04:24) ● Home Repairs, Renovations, and Aging in Place (07:21) ● Volunteering: A Test Drive for Your Time (12:02) ● Reclaiming Your Calendar… and Your Identity (13:35) ● Healthcare Costs, Medicare Myths, and HSAs (16:52) ● Building a Social Network Outside the Office (21:04) ● Checking In on Pensions and Old 401(k)s (25:30) ● Why the 10-Year Mark Is the Right Time to Find a Financial Planner (27:21) ● Social Security: "Wait" Is Not a One-Size-Fits-All Answer (29:33) ● Creating Your Social Security Account (and Checking Your Earnings Record) (31:02) ● Say It Out Loud (32:22) Resources: Retirement Readiness Quiz: https://www.aarp.org/money/retirement/readiness-quiz/ The 5 Years Before You Retire and other books by Emily Guy Birken: https://www.emilyguybirken.com/books HerMoney.com Article Discussed in this Episode: https://hermoney.com/invest/10-things-you-should-do-when-retirement-is-10-years-away/ Take Back Retirement Episodes Referenced: Making Your Own Story: Finding Meaning After 50 with Diane Gansauer Redefining Retirement: Finding Your Creative Voice Through Comedy with Lynn Harris The Challenges and Opportunities of Defining Your Identity in Retirement with Elizabeth Parsons Practicing for Retirement: Balancing Creative Pursuits and Financial Planning with Mary Jo Hoffman Simplifying Medicare: What's Important For You To Know with Susan Sloan Cultivating Creative Connections for Lifelong Wellness with Claire Waite Brown Getting the Most from Social Security: Smart Strategies for Women with Heather Schreiber Smarter Social Security: Getting What's Yours Without Panicking If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at www.takebackretirement.com. Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn. Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.
To open a self-directed Roth IRA, book a call with our team at https://directedira.com/roth-ira-account/To open a self-directed HSA? Book a call with our team at https://directedira.com/hsa-accounts/On today's episode of the Directed IRA Podcast, Mat and Mark step into the ring for a debate over two of the most powerful tax-advantaged accounts for building wealth: the Roth IRA vs. the HSA. Throughout the episode, they go punch-for-punch breaking down the key differences, tax benefits, contribution strategies, inheritance rules, and real-world investing opportunities inside each account. Whether you're deciding which account to fund first or looking to maximize both, this episode delivers practical strategies and actionable retirement planning insights for investors and entrepreneurs alike.For questions or to learn more about this episode's topic, book a call with an IRA specialist here: https://directedira.com/appointment/Other:Mat Sorensen: https://matsorensen.comMark J. Kohler: https://markjkohler.com/ KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com
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Are you approaching retirement with $1 million or more savedand wondering how to minimize taxes on your IRA withdrawals, Social Security income, Roth conversions, brokerage accounts, and retirement income strategy?In this episode I'll break down 7 powerful retirement tax planning strategies that high-net-worth retirees can use to potentially reduce or even eliminate portions of their lifetime tax bill.You'll learn:• How some retirees can take IRA withdrawals tax-free • Why Roth conversions are often overused • How the 0% long-term capital gains bracket works • Strategies to reduce taxes on Social Security income • Roth IRA withdrawal rules and common mistakes • Qualified Charitable Distribution (QCD) strategies • HSA planning opportunities in retirement • How Net Unrealized Appreciation (NUA) works for company stock If you are over 50, nearing retirement, or already retiredwith substantial IRA, 401(k), brokerage, or Roth assets, this episode will help you better understand how retirement tax planning impacts:If you are over 50, nearing retirement, or already retired with substantial IRA, 401(k), brokerage, or Roth assets, this episode will help you better understand how retirement tax planning impacts:• lifetime income, • Medicare premiums, • RMDs, • ACA subsidies, • estate planning, • and legacy goals. Areyou interested in working with me 1 on 1? Clickthis link to fill out our Retirement Readiness QuestionnaireOr,visit my website ⛳ PFR Nation (Who This Is For)If you're over 50, have saved seven figures (or multipleseven figures), love golf and travel, and you want to make work optional while minimizing taxes… welcome to the right place.
Hear money lessons from NerdWallet moms and learn how to budget for healthcare on a high-deductible plan. What does motherhood teach you about money? In honor of Mother's Day, hosts Sean Pyles, CFP®, and Elizabeth Ayoola gather money lessons from NerdWallet moms — including Erin El Issa, Amanda Barroso, Kate Ashford, and Pamela de la Fuente — as well as from Sean's mom, Jeanne. They explore the pressure to keep up with influencers and other parents, the costly belief that core childhood memories can be bought, the role allowances play in helping kids feel the weight of their own money, and what becoming a parent reveals about long-term saving. How do you budget for healthcare when your employer switches you to a high-deductible plan and bills are coming in faster than you can build up your HSA? Sean and Elizabeth are joined by personal finance writer Kate Ashford to answer a question from a listener whose routine doctor visit ballooned from a $30 quote to nearly $500 out of pocket. They dig into the triple tax advantages of HSAs, the math behind comparing high-deductible and traditional coverage, why the first year on an HDHP can feel especially brutal, and what to do when medical expenses outpace your savings. 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 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
As Secretary of HHS, RFK Jr. has called out perilous warnings: from chem trails and deadly vaccines to poisoned tap water, toxic foods, harmful additives, and ultimately a toxic burden touching nearly every aspect of life, impacting hundreds of millions in America and billions worldwide, forcing a long-overdue conversation about health, accountability, and what comes next. What if humanity's greatest challenge, a planet burdened by toxins at nearly every turn, also becomes the catalyst for its greatest awakening into wellness, vitality, and conscious living? . Join host and Reiki Master Brad Wozny with global wellness leaders Jen Allen and Barbara Lippincott as they explore these urgent topics alongside patented, clinically studied American wellness technologies, including X39, X49, and the LifeWave X₂O Water Technology featuring 20 patents and remarkable innovations now turning heads worldwide. . In a toxic world searching for answers, this conversation offers what so many are longing for most: hope, possibility, and a deeper question millions are now beginning to ask… could the solution already be here, and if so, how might it help you and those you love live stronger, healthier, and more vibrantly? .
Tom takes a Wall Street Journal retirement-account quiz while Don gleefully plays game show host, leading to a surprisingly useful (and occasionally chaotic) discussion of HSAs, Roth IRAs, Trump accounts, 529 plans, contribution limits, and retirement withdrawal rules. The episode then pivots into listener questions about ACAT transfer anxiety during market volatility and a blistering takedown of indexed annuities, including misleading “bonuses,” surrender charges, and the illusion of “market returns without risk.” The show wraps with a spirited rebuttal to a listener defending annuities and a reminder that insurance companies aren't charities—they're math machines built to profit from your longevity assumptions.0:05 Wall Street Journal retirement-account quiz begins1:06 Admitting financial advisors don't know everything1:50 AI voices, digital immortality, and cloned Don4:01 HSAs and the “triple tax advantage”5:20 Roth vs. traditional IRA tax treatment6:34 Employer matches and “Trump accounts”7:46 529 contribution-limit confusion8:47 IRA contribution eligibility and earned income11:17 Rule of 55 for penalty-free 401(k) withdrawals12:37 Trump accounts requiring U.S. stock index funds14:25 Expanded 529 eligible expenses under new law16:06 Listener question about ACAT transfer anxiety during volatility18:24 Why missing a few market days usually doesn't matter20:57 Indexed annuity “bonus” pitch dismantled23:17 Why Don despises most insurance investment products24:27 Listener challenges the show's annuity criticism26:12 Why annuities and bonds are not equivalent28:09 Long-term market assumptions vs. fear-based selling29:22 Appella's free portfolio-review philosophy29:51 Immediate annuity math and the “you're getting your own money back” argument31:23 Why insurance companies usually win the longevity bet32:15 Mattress-money analogy for annuity payouts32:59 Closing thoughts and growing podcast downloadsQuestions? Comments? Click!
In this episode we answer emails from Zach, Brian, Holly and Optimus Bill. We discuss a way to estimate retirement health care costs using current data, clear up the “index fund” labelling problem and talk about why indexed dogs and cats won't start living together, have fun with milkshakes, and map out what tends to help a portfolio survive stagflation. But first we celebrate a huge community win for Fairfax CASA with Queen Mary.Links:J.P Morgan Inflation Study: JP_Morgan_White_Paper_Three_Retirement_Spending_Surprises.pdf - Google DriveBen Felix Interview on Bigger Pockets Money: Is Small Cap Value Worth It? Ben Felix Explains the Truth About AVUV & Factor InvestingHolly's Milkshake Link: I can't believe he didn't notice
In this episode of Experts Unleashed, I sit down with Aaron Randak from goldenacrewealth.com to explore what honest, commission-free financial advice actually looks like in practice. We talk about how growing up on a corn and soybean farm in rural Iowa gave Aaron a unique edge in understanding markets, why he launched his own firm at 23 instead of joining a traditional wirehouse, and how being a fee-only advisor changes everything about the advice you receive. I also share insights on the biggest tax mistakes pre-retirees make before they find someone like Aaron, and why the death of the mutual fund is already underway. Plus, we get into prediction markets, Roth versus traditional timing, and what the HSA is the most underutilized tax vehicle in America.
Spring is a season of fresh starts. Closets get cleaned out, garages get organized, and routines reset after a long winter. But while many people focus on their homes, their finances often go untouched—because money habits tend to collect clutter just as easily. Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast. For many people, spring is an ideal time to reset financially. Life changes quickly at this stage, and small inefficiencies can quietly add stress or hold you back. A financial spring cleaning doesn't require perfection or dramatic changes—it's about reviewing what you have, cutting what no longer serves you, and optimizing what you keep. I'll call this the three-step Financial Cleaning Plan: Review, Cut, and Optimize. Before you cut or optimize anything, you need a clear picture of where you stand. Think of this as opening all the closet doors before deciding what stays. With a clear overview established, let's begin the Financial Cleaning Plan with step one: Review. Identify all income sources like primary checks, bonuses, commissions, and side income. Note any recent changes, such as job switches or raises. The key is understanding what actually comes in each month, which sets the foundation for every other decision you'll make going forward. Next, review your monthly spending patterns. Check where your money goes each month. Scan the last two or three months of transactions and group expenses into two categories: Fixed expenses (rent, mortgage, childcare, insurance) and variable spending (food, entertainment, convenience purchases). Don't be alarmed if your variable expenses over the last few months come in a little higher than you thought. Winter often brings higher spending, and habits formed during busy seasons can linger longer than expected. Check your debt balances. Make a list of all debts—credit cards, student loans, and auto loans. Record current balances, interest rates, and required monthly payments. Don't get discouraged if your total debt balance gets you down. This part of the review isn't about judgment. It's about awareness. Finally, review your savings and emergency funds. Check what you have set aside for unexpected expenses. Will your fund still cover many of the more common emergency expenses? Can it help out with an unexpected job loss? A sudden medical emergency, a quick home repair? As life changes, families grow or careers evolve, the savings targets need to evolve too. Alright, the first step was Review. The second step of our three-part plan is to cut: Start by identifying what's no longer serving you. Once you clearly see where your money goes, cutting becomes easier—and less emotional. Start by reviewing your streaming platforms, app subscriptions, gyms, and delivery memberships. Remove or cancel any that haven't been used recently. Watch for lifestyle creep. As income increases, spending often quietly follows. Look for convenience costs that climbed during hectic seasons and any spending that doesn't align with your priorities or values. Reduce high‑interest costs. Identify high‑interest credit card balances or unnecessary fees. Cut what you can to create relief. Eliminate overlap. Identify multiple savings accounts, outdated insurance coverage, or redundant financial tools and remove those that add confusion to your financial plan. Now we're onto step three: Optimize—improve your finances so what remains works better for you. One of the best optimization strategies is to automate your finances. Set up automated savings transfers, bill payments, and retirement contributions. The best part about this is that all you have to do is set it once, then let it run. Review your savings goals. Adjust your emergency fund for lifestyle changes. Update short- and long-term savings priorities, such as travel, home projects, retirement, or education, and use an automatic savings tool to adjust the contributions to those funds. Optimize by improving your debt strategy. Ask whether your current repayment plan still makes sense. Could refinancing lower the interest rate? Should higher‑interest balances be prioritized more aggressively? Does your strategy match your current cash flow? Would a debt consolidation move help? Make the right adjustments to answer these questions and consider taking steps towards active debt refinancing or consolidation if needed. And finally, optimize any of your employer benefits. Take time to review your retirement plan contributions, any HSA or FSA use, and insurance choices. Confirm you are making the most of what is offered. To wrap up, you don't need a complete overhaul to feel in control. With review, cut, and optimize, head into warmer months with clarity and confidence. In spring cleaning season, your finances deserve some attention, too. A little cleanup can leave you lighter, calmer, and more prepared for the future. If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts. Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.
SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
HSAs sound like a no-brainer, but for many business owners, they can actually backfire. In this episode, we break down when an HSA is a bad move and why the “triple tax advantage” doesn't always work in your favor. You'll learn how high deductibles impact your cash flow, why inconsistent contributions weaken tax savings, and how using your HSA too often kills long-term growth. We also cover hidden rules, penalties, and why this strategy doesn't fit every business owner. This is real finance advice focused on smarter money decisions, tax strategies, and protecting your business finance. If you want better savings strategies and a stronger financial mindset, this episode will challenge what you think you know. Listen now before you lock into the wrong strategy. Next Steps: ➡️ Overpaying your CPA and the IRS? Learn how to stop it in this free training: https://go.phillipsbusinessgroup.com/registration
Dr. Courtney Barrett, founder of True Insight Direct Care in the Raleigh, North Carolina area, opens our May theme, The Tools You Use, with a conversation that redefines what tools means in a Direct Primary Care practice. As a DO offering osteopathic manipulative treatment alongside full-spectrum primary care, Dr. Barrett shares how OMT functions as both a clinical tool and a front door to membership.We dig into her EHR vetting process, her non-negotiables for tech stack decisions, and why patient experience optimization shaped every choice. Dr. Barrett also shares how her husband Jeff, a former 911 dispatcher, joined the practice full-time and built operational workflows that anticipate needs before they happen. From phlebotomy setup to OMT documentation, prior authorization handling, employer contracting, HSA-funded memberships, health share pairings, and her board work with Hope and Vine supporting young women aging out of foster care, this conversation covers the full spectrum of tools that make a DPC practice work.What You Will LearnHow non-member OMT services bring patients in who later become DPC membersHow to talk to patients about DO vs MD, and OMT vs chiropractic careWhy HSA-funded DPC memberships became a major enrollment driverHer tech stack philosophy: cohesive over fragmented, patient experience firstNon-negotiables: charting without juggling windows, automated patient communication, CSV file portabilityWorking directly with employers without middlemenPairing DPC with health shares for catastrophic coverageResourcesTrue Insight Direct Care blogmydpcstory.com Learn page: free business plan, BAA, and EHR rubricDr. Feneisha Franklin's episode on acquiring a DPC practiceVote in the Battle of the Support Stack running all month at mydpcstory.com.Learn more about VIVID VAULT HEALTH SOLUTIONS TODAY! Find a My DPC Story Event near you! State Summits in CA, IL, a My DPC Story LIVE event and the DPC Women's Summit are all coming! Learn more at mydpcstory.com/upcoming-events! The DPC Directory: If you're a DPC doctor, you'll find resources to grow your practice! If you serve the DPC world, grab a FREE listing today and get discovered by doctors who need your services.
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Take a step back and get a clearer view of your retirement plan in this episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase. Enjoy a practical, easy-to-follow conversation that connects real data, real questions, and real-life planning: offering perspective to help guide decisions. • Explore why retirement confidence may be slipping, using insights from the Employee Benefit Research Institute and the University of Michigan, and see how inflation and oil prices have historically been associated with changing outlooks. • Break down the difference between fiduciary and non-fiduciary advisors to provide a backdrop when evaluating who you trust with your financial picture. • Walk through listener questions on 457(b) vs. 401(k) plans, Roth vs. traditional strategies, and how early retirement access rules actually work. • Get more clarity on VEBA HRA accounts vs. HSAs, and consider what may be affecting Roth IRA growth—including allocation choices and tools used. • Think through when a trust might make sense and how savings accounts, money markets, and bonds may play different roles as interest rates shift. • Consider ways to prepare for long-term care costs, including self-insuring concepts that tie into income planning and HSA savings over time. Looking to explore big picture retirement planning without getting lost in the weeds? This episode is a great place to start. Listen and subscribe to the Retire Sooner Podcast! Learn more about your ad choices. Visit megaphone.fm/adchoices
Download our getting started guide to investing in real estate with your IRA here: https://directedira.com/beginners-guide-investing-in-real-estate-with-your-ira/In this episode of the Directed IRA Podcast, Mat Sorensen and Mark J. Kohler break down how to invest in real estate using your IRA, Roth IRA, 401(k), or HSA.They explain how self-directed accounts allow you to buy rental properties, invest in syndications, and build tax-advantaged wealth outside of traditional stocks and mutual funds. Sharing real examples from their own deals, they highlight the potential for stronger returns, cash flow, and long-term growth.They also cover key rules to know, including prohibited transactions and what you can't do inside your IRA, so you can invest with confidence.If you're ready to take control of your retirement and invest in what you understand, this episode shows you how.For questions or to learn more about this episode's topic, book a call with an IRA specialist here: https://directedira.com/appointment/Other:Mat Sorensen: https://matsorensen.comMark J. Kohler: https://markjkohler.com/ KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com
Our new and improved resource: How Much Should You Save shows how much you should save at your age for your target retirement goals. We walk you through the numbers and new insights that reveal the power of time and how investing today can turn into bigger wealth tomorrow. Then we answer your financial questions on everything from college tuition to HSA tracking to investing strategies. Plus a fun rapid fire segment that includes a final score that might shock you... 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. Learn more about your ad choices. Visit megaphone.fm/adchoices
Get an inside look at what's shaping my thinking. Bi-weekly, I share the top 5 investing and financial planning articles I'm reading—straight to your inbox. Sign up for my newsletter. ----- You've maxed out your 401(k), IRA, and HSA. Now what? In this episode, I explain how to think about flexibility, taxes, cash reserves, kids, debt, and lifestyle decisions once the obvious retirement-account playbook is exhausted. Listen now and learn: ► Why a taxable brokerage account is often the best next home for long-term excess savings ► How asset location and after-tax implementation matter more once you build wealth outside retirement accounts ► When extra dollars may be better used for cash reserves, college savings, paying down debt, or living more intentionally ► The behavioral mistakes people make when they become too tax-obsessed or complexity-obsessed Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com) Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.
Better quality sleep = better focus. Head to https://eightsleep.com/bigdeal and use code 'DEAL' to get $350 off the Pod 5 Ultra. If you have an HSA or FSA, the Eight Sleep Pod may qualify as a medical expense through Truemed, and qualified customers save about 30% on average. Stack that with the code above for even more savings. Check your eligibility at https://www.truemed.com/eightsleep before you buy. Truemed is for qualified customers. HSA/FSA tax savings vary. You've had a decision sitting on your desk for two weeks. You keep telling yourself you're just gathering information. You're not. You're stalling. And while you stall, someone less qualified just did a worse version of your idea and they're about to eat your lunch. Here's the lesson history keeps screaming at us: speed wins every time. Companies like Instagram and Square have perfect plans; they had faster clocks. They moved while everyone else was still in meetings. And in business, hesitation is just a polite word for losing. In this episode, you'll learn: Why information doesn't age like wine, it ages like milk The decay question that will tell you if you're at 70% or just overthinking Jeff Bezos's 70% rule and the door test that separates reversible decisions from real risk The 24 hour rule that forces clarity and why every meeting should end with a decision or a deletion Why perfection is the trap you have to avoid on the way to quality and how Reid Hoffman ships embarrassingly early every time ___________ (00:00:00) Introduction: The Decision You're Stalling On (00:02:55) Decision Decay: The Shelf Life of Opportunity (00:04:42) The Square Story: Three Weeks to a Billion Dollar Company (00:06:37) The 24-Hour Rule: Overwhelming People with Speed (00:08:09) Instagram's Pivot: From Bourbon to Billion in 18 Months (00:09:29) The 70% Rule and The Door Test: Bezos's Speed Framework (00:11:59) The Zeigarnik Effect: Why Unfinished Tasks Drain Your Brain (00:15:49) Quality vs Perfection: The False Dichotomy (00:18:42) The Five Moves to Triple Your Speed (00:21:47) Think Big or Don't Talk to Vendors (00:24:09) Closing: Your Speed Homework and Growth Accelerator Invite ___________ MORE FROM BIGDEAL
#708: What's the smartest way to handle big financial transitions—when the stakes are high and the “right” answer isn't always obvious? Anonymous “Cyndi Jr.” is helping their 73-year-old mother relocate across the country and needs to decide how to use the proceeds from a home sale to balance long-term housing security with inflation protection. Anonymous is trying to figure out how to handle quarterly estimated taxes on investment income—without relying on safe harbor rules that don't always reflect market swings. Luz, whose previous question was featured on the show, is now navigating a major job change and wondering what to do with an old 401(k)—while also rethinking how Roth accounts, an HSA, and debt all fit into a bigger financial strategy. We'll walk through each of these and help you think it through in today's episode. Resources mentioned: Don't miss the YFRP Webinar! https://affordanything.com/rental2026 Join the YFRP waitlist: https://courses.affordanything.com Listen to Luz's previous question: https://affordanything.com/episode583 Stay in the Loop: https://affordanything.com/newsletter Share this episode with a friend, colleagues, and Cyndi Lauper: https://affordanything.com/episode708 Learn more about your ad choices. Visit podcastchoices.com/adchoices
Did you know that if you have a high-deductible health plan, some services like immunizations and screenings are free (even if you haven't met your deductible)? Or that you might be able to invest the money in your HSA? This episode, KFF Health News reporter Jackie Fortiér shares tips on getting the most out of your HDHP.Have a question about navigating the health care system? Contact us here and you might be part of an upcoming episode of Health Care Helpline.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitSee pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy
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