Podcasts about hsas

In this episode of Talking Real Money, Don and Tom take aim at “magical” high-yield investments, focusing on why junk bond funds often behave more like risky stocks than stable bonds. Drawing on research from Larry Swedroe, they explain how high fees, high turnover, and economic sensitivity undermine the appeal of high-yield funds—especially during recessions. They reinforce the core principle that higher returns always mean higher risk and argue that investors are usually better served taking risk in equities and safety in high-quality bonds. Listener questions cover HSAs in retirement, Roth IRAs for young investors, backdoor Roth conversions, and the Vanguard Star Fund. The episode closes with discussion of RetireMeet 2026 and the importance of long-term, disciplined investing. 0:04 Opening: Wanting high returns with no risk 1:02 Introduction to “magical” high-yield investments 1:10 Larry Swedroe's research on junk bond funds 2:20 Investment-grade vs. high-yield bonds explained 4:29 Bankruptcy risk and bondholder losses 5:49 Returns, volatility, and stock-like behavior 6:36 Risk-adjusted returns and Sharpe ratios 7:47 Why passive beats active in junk bonds 8:35 2008 losses in high-yield funds 9:36 “Yield is for farmers” and risk perspective 10:42 Why higher yield always means higher risk 11:08 Bonds as portfolio ballast 12:17 Why equities are better for risk-taking 12:27 HSA investing for medical expenses 13:56 Roth IRA for grandson with long time horizon 15:18 Backdoor Roth conversion tax question 17:57 Vanguard Star Fund discussion 19:03 Active vs. index fund comparisons Learn more about your ad choices. Visit megaphone.fm/adchoices

#685: You're not an investor. You're a saver. That's the first of 10 principles Cullen Roche shares in this conversation about building what he calls "the perfect portfolio." Roche, the founder and chief investment officer of Discipline Funds, argues that when you buy stocks on the secondary market, you're not actually funding companies or making investments in the traditional economic sense. You're just swapping your cash for someone else's stock position – reallocating your savings. This reframe matters because it changes your entire approach. Instead of trying to beat the market, you focus on the boring, prudent work of allocating your savings across different time horizons. We walk through all ten of Roche's principles. He explains why you are your portfolio's worst enemy – not just because fear makes you panic-sell during crashes, but because FOMO during bull markets leads you to chase performance at exactly the wrong time. He breaks down why diversification is the only free lunch in investing, why costs matter more than you think, and why real returns are the only ones that count after you strip out inflation, taxes, and fees. Roche introduces some concrete strategies most people have never heard of. The 351 exchange lets you swap concentrated stock positions into diversified ETFs without triggering immediate capital gains taxes. The "defined duration" approach matches specific pools of money to specific future expenses—like pairing a six-month treasury bill with next year's bathroom remodel. He also tackles the hardest allocation question: what to do with money earmarked for three to ten years from now. That awkward middle timeframe sits between "keep it in cash" and "put it in stocks," and Roche explains why traditional approaches like sixty-forty portfolios don't always work. The conversation covers everything from why long-term bonds make terrible matches for long-term goals to why thinking in time horizons beats thinking in investment styles. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths.

(00:00) Principle 1: you're a saver, not an investor (04:48) Real wealth comes from direct business ownership (06:43) Principle 2: you are your portfolio's worst enemy (09:58) FOMO during bull markets vs fear during crashes (12:43) Principle 3: beating the market is hard (15:18) The 5 percent "fun money" allocation debate (16:18) What to do when your position explodes (17:18) The 351 exchange tax strategy explained (20:28) Should you rebalance concentrated stock positions (22:18) Principle 4: diversification is the only free lunch (31:03) Gold and stock market both high simultaneously (35:43) When diversification becomes diworsification (40:03) Principle 5: the cost matters hypothesis (44:23) HSAs, 401ks and unavoidable fee structures (47:03) Why ETFs beat mutual funds on taxes (51:03) Principle 6: real, real returns matter most (1:00:58) Principle 7: risk is uncertainty of lifetime consumption (1:06:18) Longevity risk and unpredictable healthcare costs (1:13:03) Principle 8: asset allocation as temporal conundrum (1:24:43) The 3-10 year allocation problem explained (1:28:03) Principle 9: past performance doesn't predict future (1:31:18) Principle 10: set realistic expectations, stay the course Resources: Cullin's website and newsletter: https://disciplinefunds.com Grab the FREE handbook: https://affordanything.com/financialgoals Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of the Green Side Up Podcast, Jason and Jordan sit down in person with Danny Gutcher of KASE Wealth Advisors for a deep dive into money, retirement, and long‑term planning—through the relatable lens of Danny's baseball journey. Danny shares his path from Tampa high school standout to Division II national champion catcher at the University of Tampa, then explains how he transitioned from molecular biology and CTE research ambitions into a career as a fiduciary financial advisor. The conversation breaks down, in plain language, topics like fee-based vs. commission-based advising, what a fiduciary really is, Roth vs. traditional IRAs, 401(k)s vs. SIMPLE IRAs, company matches, vesting, HSAs, and tax diversification. Jason and Jordan press Danny on how small businesses like landscape and tree service companies can set up retirement plans, use matches as a retention tool, and structure contributions so both owners and employees win. It's a practical, story-driven guide for young professionals, blue‑collar employees, and business owners who want to stop guessing about retirement and start building a real plan.

In this episode, I talk with Cody Berman and Sean Mulaney about what it really takes to reach early financial independence. Cody shares how he built a $4.8 million net worth by 29 through frugal living, intentional spending, and creating multiple income streams, while Sean breaks down the smartest tax strategies early retirees use to access money sooner and keep more of what they earn. We cover how to effectively use 401(k)s, Roth IRAs, HSAs, and taxable accounts together, plus key tactics like the Rule of 55, Roth conversions, and tax arbitrage that can dramatically lower your lifetime tax rate. Sean makes complex tax planning simple and actionable for anyone pursuing FIRE. Whether you're just starting your wealth-building journey or planning an early retirement, this episode delivers practical strategies to grow wealth faster and design a flexible, purpose-driven financial future. CHAPTERS

If you've ever wondered why your deductible feels like a brick wall while insurers tout “savings,” this conversation goes straight to the source. Nathan Kaufman sits down with Mark Cuban to pull apart how PBMs and insurers shape drug prices, hide rebates, and use denials as financial float—while patients and providers pay the price. It's a rare, unfiltered tour through the pharmacy supply chain, medical loss ratio math, and the perverse incentives that keep care costly and complicated.We dig into the real-world fallout for physicians and hospitals: Medicare's stagnant updates, shadow-priced commercial contracts, and the administrative churn that drives independent practices into the arms of health systems or private equity. Mark challenges the industry to think like a startup—publish prices, strip out unnecessary vendors, and pay clinicians more with transparent, fixed margins. He shares why GPOs often inflate costs, how a virtual wholesaler model can save millions on injectables and specialty meds, and what happens when leadership manages silos instead of the whole enterprise.Then we get tactical. Imagine a standardized claim process across payers and a new financing model that replaces premium fights with unlimited HSAs plus government-backed medical loans pegged to Medicare rates. Pair that with direct contracts that pay providers quickly, no prior auth, no denials, and zero out-of-pocket for employees using posted agreements. Add agentic AI to audit thousands of contracts, verify invoices, and stop leakage dimes at a time—and a clearer path emerges: fewer middlemen, faster pay, better outcomes. Along the way, we confront uncomfortable truths about facility fees, subprime patient financing, and why breaking up insurance conglomerates or forcing divestiture of non-insurance assets could restore real competition.If you care about practical reform—transparent pricing, direct contracting, real outcomes data, and technology that kills waste—this is your playbook. Listen, share with a colleague who manages benefits or a hospital P&L, and tell us: where should transparency and direct contracts start in your market? Subscribe for more unscripted conversations that push healthcare toward simpler, fairer, and smarter.Support the showEngage the conversation on Substack at The Common Bridge!

In this episode, we explore the emotional and structural challenges that come with transitioning from a lifetime of saving to actually spending in retirement. We focus especially on healthcare professionals—nurses, physicians, and leaders—who have spent their careers making cautious, life-impacting decisions and who now face a very different kind of responsibility: using the money they've carefully built.We start by recognizing how identity plays a major role. Many in healthcare see themselves as protectors and planners. Saving becomes a symbol of safety, and shifting to spending can feel like breaking an internal rule. With the end of scheduled shifts and steady paychecks, many experience a sense of floating—losing the rhythm they've followed for decades. We clarify that this unease is normal, not a sign of poor planning, but a psychological adjustment.We emphasize that the solution lies in structure. By creating an income plan that mimics the regularity of a paycheck, we restore the stability many retirees need. We walk through how to assemble an “income playbook”—a way to integrate pensions, IRAs, 403(b)s, HSAs, and savings into a cohesive plan. Each account gets a role, whether it's for essentials or discretionary goals, and cash buffers protect against market swings. Automation is key here—turning on scheduled withdrawals and tax withholding brings back the rhythm retirees are used to.We also break down the concept of retirement into phases: go-go, slow-go, and no-go years. Spending shifts naturally, so we help clients build flexibility into their plans. Travel and hobbies may define the early years, while later stages often involve more home time or increased healthcare costs. By projecting different scenarios and using guardrails, we help people make confident adjustments as life evolves.Throughout, we stress that it's okay to spend what you've saved. Retirement isn't about hoarding your wealth—it's about enjoying the life you worked hard to build. We suggest starting with a snapshot of your financial picture, visualizing what your days might look like, and even running a test month on future income to see how it feels. Ultimately, retirement is about shifting into a new, well-supported identity—one that still reflects who you are but in a new chapter of life. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

Self-directed accounts let you take control of retirement money and invest beyond the stock market—if you follow the rules. In episode 1 of this 3-part series, I'm joined by Amanda Holbrook from Specialized Trust Services to break down the self-directed Roth IRA: how it works, who it's for, common myths, and the compliance mistakes that can get you in trouble. We also get into real strategies: the backdoor Roth, using Roth contributions as a safety net, starting Roth IRAs for kids (legitimately), what "self-dealing" actually means in real estate, and how people partner accounts the right way without commingling. Next week we'll cover specialty accounts (Coverdell ESAs, HSAs, and more). Then we'll hit small business retirement plans (SEP IRAs and other owner plans) and how to load more cash into tax-advantaged accounts. Connect with Amanda / Specialized Trust Services Website: SpecializedTrustCompany.com Email: aholbrook@irasi.com #LegacyPodcast #RothIRA #SelfDirectedIRA #RealEstateInvesting #TaxStrategy

Send us a textEpisode 3 of Inside the Family Office: Live Investor PanelReal family office practitioners and allocators share how they structure deals, protect families, and think about wealth:  John, who works inside a single family office's trust company, explains how they custody over $70B in assets with a focus on alternative assets inside self-directed IRAs, Roth IRAs, HSAs, and solo 401(k)s. He walks through real examples of using these vehicles to buy property and earn profits with zero tax, and why he's obsessed with Roth structures for families and principals. John also touches on recent policy interest in alternatives within retirement plans and the explosive growth in investors seeking non-correlated assets. Dr. Cook closes with her own experience allocating Roth capital into crypto and other alternatives.

Get my new book: https://bronsonequity.com/fireyourselfDownload my new special report - How to Use Inflation to Your Advantage - www.bronsonequity.com/inflationWelcome to our latest episode!In this episode of The Mailbox Money Show, Bronson leads a panel from the 2025 Alternative Assets Summit on how investors can properly evaluate risk and build resilient, diversified portfolios.Joined by Ryan Gibson, Kaaren Hall, and Patrick Grimes, the discussion covers risk-adjusted returns, operator quality, due diligence, and portfolio allocation across alternative investments. The panel shares real-world lessons on avoiding fraud, managing uncertainty, and balancing cash flow versus appreciation across different life stages.The episode wraps with practical frameworks for assessing sponsors, using AI tools for smarter analysis, and building portfolios designed to perform across market cycles—not just in good times.0:36 – Episode Intro: 2025 Alternative Asset Summit1:40 – Panelist backgrounds and perspectives3:42 – “Big Beautiful Bill” and key tax changes6:21 – Return of 100% bonus depreciation10:12 – Retirement accounts, HSAs, and self-directed investing14:12 – Moving capital from Wall Street to Main Street17:49 – Non-correlated alternative investing strategies19:11 – Opportunistic investing in real estate and litigation finance20:10 – Cash flow vs appreciation27:21 – Portfolio allocation and liquidity management32:46 – Evaluating risk in alternative investments35:37 – Operator experience and risk-adjusted returns37:12 – Due diligence and sponsor vetting38:26 – Uncovering fraud with Google and FINRA BrokerCheck39:36 – Black swan events and capital call risk40:34 – Portfolio-level risk and public market overexposure41:21 – Non-correlation as the foundation of financial security42:44 – Aligning investments with life stage and time horizon43:40 – Using ChatGPT for deal review and risk analysis44:05 – Identifying the primary downside risk45:27 – Hospitality and hotel investing risk49:27 – Capital “buckets” and compounding cash flow53:27 – Community resources and investor networking54:11 – How to connect with the panelistsJoint the Wealth Forum: bronsonequity.com/wealthConnect with the Guests:Kaaren Hall:Website: https://udirectira.com/https://www.ocreia.com/Linkedin: https://www.linkedin.com/in/kaarenhall/Facebook: https://www.facebook.com/kaaren.hall/Ryan Gibson:Podcast: "Passive Income Pilots"Email: ryan@spartan-investments.comWebsite: https://spartan-investors.com/Linkedin: https://www.linkedin.com/in/ryan-gibson-21784b5/Instagram: https://www.instagram.com/spartaninvestmentgroup/Youtube: https://www.youtube.com/spartanhomebuyersPatrick Grimes:Book: https://passiveinvestingmastery.com/bookWebsite: https://passiveinvestingmastery.com/Linkedin: https://www.linkedin.com/in/patricksgrimes/Email: Info@passiveinvestingmastery.com#AlternativeInvestments#RiskAdjustedReturns#PortfolioDiversification#PassiveIncome#CommercialRealEstate#TaxAdvantagedInvesting#FinancialSecurity

In this Open Forum episode of the Main Street Business Podcast, Mark J. Kohler and Mat Sorensen tackle real-world tax, legal, and business questions straight from small business owners and investors. From S corporations and QBI deductions to rental real estate, asset protection myths, HSAs, and retirement account strategies, this episode cuts through bad advice and explains what actually works under current IRS rules.The discussion covers common traps like trying to deduct personal investing as a business, relying on so-called “privacy trusts” for asset protection, and using AI or the IRS hotline for nuanced tax advice. Mark and Mat break down why some strategies are too good to be true, how to properly structure entities across states, and what business owners should focus on in 2026 to build wealth while staying compliant.If you're a business owner, investor, or high-income professional looking to understand tax strategies, retirement planning, and asset protection the right way, this episode is packed with practical guidance and hard truths. Subscribe for more expert breakdowns, drop your questions for future open forums, and check out the next episode to keep leveling up your tax and business strategy!You'll Learn:How S corporations and the QBI deduction really work for small business owners in 2026 — and when they don't save you money.Why treating personal investing as a business deduction is a tax mistake and what you can deduct legitimately.The truth about asset protection strategies, “privacy trusts,” and when a holding company structure actually makes sense.How to legally pay family members (like your children) through your business and what the IRS expects.What the IRS Hot Topics are right now — from HSAs and retirement plans to rental real estate tax benefits.How to avoid common pitfalls with solo 401(k)s, HSAs, and mixed-income strategies that cost people real dollars.Practical, experience-based answers to real listener questions instead of theoretical or generic advice. Get a comprehensive tax consultation with one of our Main Street tax lawyers that can build a tax strategy plan with an affordable consultation that will leave you speechless!! Here's the link - https://kkoslawyers.com/services/comprehensive-bus-tax-consult/?utm_source=buzzsprout&utm_medium=description-link&utm_campaign=main-street-business-podcast&utm_content=msbp606-open-forum-small-business-strategies-2026  Grab my eBook 30 Unique Strategies Every Business Owner Should Know! You don't want to miss this! Secure your tickets for the #1 Event For Small Business Owners On Main Street America: Main Street 360 Looking to connect with a rock star law firm? KKOS is only a click away! Are you ready to get certified in EVERY strategy I teach? Start your journey with a FREE 15-minute discovery call to explore the Main Street Tax Pro Certification. Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohler Craving more content? Check out my Instagram!

Guest Stephen Willeford, Gun Owners of America, joins to discuss latest shootings in Minneapolis, battles against law enforcement, and more. Are the ICE shootings justified, and how do we battle ongoing protests and violence in the streets?  President Trump releases his "GREAT Healthcare" plan. What's in it? Discussion of the battle against "big Insurance", focus on HSAs and more transparency within the healthcare industry.  Media panics after Trump teases "not needing" a midterm election. 

January doesn't have to start with a financial overhaul. In this special Ask Farnoosh episode, Farnoosh shares why easing into the new year, rather than rushing to reset everything, can lead to better money decisions.She reflects on how she's approaching 2026, what typically happens in the markets at the beginning of the year, and why January is a powerful time to slow down, learn, and reconnect with what matters most. From there, Farnoosh breaks down the week's biggest money stories, including shifting grocery prices, growing anxiety in the housing market, canceled home purchase deals, the return of student loan wage garnishment, and new data suggesting homeownership may feel out of reach for more Americans.The episode also highlights two recent conversations on So Money — with David Bach on building wealth through simple, consistent habits, and with Terri Trespicio on the importance of writing as a practical career skill.Listeners then get answers to thoughtful questions about opening a new credit card after securing a HELOC, what it really means when entrepreneurs say they “didn't pay themselves,” how HSAs work after enrolling in Medicare, and where to safely keep a $20,000 gift intended for a future home purchase. Hosted on Acast. See acast.com/privacy for more information.

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

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

The start of a new year is one of the best times to reset and realign your retirement strategy. New contribution limits, new rules, and new deadlines in 2026 can all impact how much you're able to save and how effectively you plan.In this webinar, Directed IRA COO Aaron Halderman and VP of Sales Nate Hare will host a practical 101-style session focused on retirement account planning for 2026, including an open Q&A to address common questions as the new year begins.We cover:- 2026 retirement account contribution limits and what changed- Key tax deadlines to know in 2026 for IRAs and retirement plans- Core planning strategies for IRAs, Roth IRAs, HSAs, and Solo 401(k)s- Common mistakes to avoid as you start the new year- Open Q&A to help you set clear retirement account goals for 2026This session is designed to help you start the year with clarity, avoid early missteps, and build a smarter retirement plan going forward.Directed IRA Homepage: https://directedira.com/ Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA Book a Call: https://directedira.com/appointment/ Other:Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

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

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

Key Takeaways: Roth 401(k): These accounts let you save a lot for retirement, and your money grows tax-free. You also get to take it out tax-free later, which is great for business owners who want more flexibility. HSAs: Health Savings Accounts give three major tax benefits, you can deduct what you put in, your money grows tax-free, and you can spend it tax-free on medical costs. RMDs Matter: Traditional IRAs and 401(k)s require you to start taking money out at a certain age. Understanding these Required Minimum Distributions is important so you can plan ahead. Roth Conversions: Moving money from a traditional account into a Roth can be helpful if you do it slowly over several years and plan for the taxes. Plan Smart: Good tax planning should match your personal goals and adjust as your life, income, and needs change.   Chapters: 0:01 Holiday Treats and Tax-Advantaged Savings Strategies 2:16 Benefits of Roth 401Ks for Business Owners 4:31 Maximizing HSA Benefits for Tax-Free Medical Expenses 6:46 AI and Medicine Revolutionizing Biotech 6:57 Strategies for Roth IRA and 401K Conversions in Retirement 10:43 Investment Risks and the Importance of Professional Advice Powered by ReiffMartin CPA and Stone Hill Wealth Management   Social Media Handles    Follow Phillip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen!   WBMS Premium Subscription   Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

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

Confused by your financial benefits? You could be leaving money on the table. Discover how to confidently manage 401(k)s, HSAs, FSAs, and employer matching as SHRM's Brittany Fallon and Sherry Martel break down the essentials. Find out how to leverage life events, avoid costly mistakes, and make the most of your financial opportunities at work.  Resources from this Week's Episode - Designing and Administering Defined Contribution Retirement Plans   Subscribe to the All Things Work newsletter to get the latest episodes, expert insights, and additional resources delivered straight to your inbox: https://shrm.co/fg444d    ---  Explore SHRM's all-new flagships. Content curated by experts. Created for you weekly. Each content journey features engaging podcasts, video, articles, and groundbreaking newsletters tailored to meet your unique needs in your organization and career. Learn More: https://shrm.co/coy63r 

On this episode of the Sunlight Tax Podcast, I dive into why tax literacy is crucial and how understanding the basics can save you thousands of dollars. I explain how tax-advantaged accounts like IRAs, HSAs, and retirement savings plans work, and why they're some of the most powerful tools for building long-term wealth and financial stability. Using practical examples and simple calculations, I show how small, informed choices can lead to significant tax savings over time. Plus, I share details about my free step-by-step tax strategies class, designed to make complex tax concepts accessible, actionable, and stress-free. Whether you're a self-employed creative, freelancer, or anyone looking to take control of your finances, this episode will give you the tools to understand taxes, maximize savings, and grow your wealth. Don't forget to leave a review—it helps more people find these insights and start feeling confident about their money. Also mentioned in this episode: 01:32 Introduction and Holiday Reflections 03:01 The Importance of Tax Literacy 11:34 Maximizing Tax-Advantaged Accounts for Savings   If you enjoyed this episode, please rate, review and share it! Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences. Links: Free online tax calculator Join my free class: Make Taxes Easier and Stash an Extra $152k in Your Savings Link to review this podcast on Apple   Check out my program, Money Bootcamp Get your free visual guide to tax deductions  

If you've ever delayed looking at your numbers, dreaded a bookkeeping meeting, or felt a pit in your stomach when someone says "Let's review your finances," this episode is going to feel like a deep exhale. In this conversation, Danielle sits down with financial advisor and partner at Orange Financial Brad Cunningham for an honest look at why entrepreneurs struggle with money clarity and why confidence doesn't come from spreadsheets. It comes from understanding your numbers and applying that knowledge to your life and your business.  Key Takeaways:  Money Avoidance Is Emotional, Not Logistical: Most entrepreneurs avoid their financials because looking at numbers exposes vulnerability. When you understand the emotions underneath, clarity becomes much easier. Savings Habits Matter More Than Investment Choices: Brad explains why even the best investment strategy can't fix a poor savings rate and why behavior is the real foundation of wealth. Traditional Budgets Fail Because They Feel Limiting: Instead of obsessing over restrictions, focus on understanding your cash flow and aligning spending with your values and goals. Entrepreneurs Often "Out-Earn" Their Problems Without Solving Them: As revenue grows, lifestyle often expands at the same pace. Real financial health requires intentional guardrails. You Need a Money Team, Not One Money Person: Bookkeeper, tax accountant, CFO/coach, and financial advisor—each role supports a different part of your financial picture, and they should work together. Tax Strategies Shouldn't Sabotage Long-Term Flexibility: Saving money this year shouldn't come at the cost of future options or long-term growth. Clarity Creates Confidence: When you understand your numbers and the behaviors behind them, financial anxiety drops and decision-making becomes easier. Topics Discussed: (00:00) Intro: Brad's Background and What He Does (02:43) Why Entrepreneurs Avoid Looking at Their Financial Data (03:32) Fear of Financial Vulnerability and How It Impacts Decision-Making (05:39) The Problem with "Putting the Cart Before the Horse" in Investing (06:09) The Truth About the 4.4% Savings Rate and Why Traditional Budgeting Doesn't Work  (09:56) The Danger of Trying to "Out-Earn" Your Problems & What Will Actually Solve Issues (11:09) The 20% Savings Benchmark for Entrepreneurs  (12:16) Danielle's Breakdown of the 4 Essential Members of Your "Money Team" (15:16) Rethinking Tax Strategy and Future Flexibility  (18:31) Building Launch Plans for Your Children (20:39) HSAs, 401(k)s, IRAs, and 529s: Why Context Matters  (21:50) Pitfalls with Traditional Budgets and Using a Better Method of Budgeting (26:33) Promo: Kickstart Accounting's "Check Your Books" Service (27:45) Pitfalls with Traditional Budgets and Using a Better Method of Budgeting (29:44) Final Thoughts on Confidence, Clarity, and Long-Term Planning (21:36) Outro: Like, Share and Subscribe!   Resources: Connect with Brad | https://goorangefinancial.com/  Check Your Books | kickstartaccountinginc.com/checkyourbooks    Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

If you've ever delayed looking at your numbers, dreaded a bookkeeping meeting, or felt a pit in your stomach when someone says "Let's review your finances," this episode is going to feel like a deep exhale. In this conversation, Danielle sits down with financial advisor and partner at Orange Financial Brad Cunningham for an honest look at why entrepreneurs struggle with money clarity and why confidence doesn't come from spreadsheets. It comes from understanding your numbers and applying that knowledge to your life and your business.  Key Takeaways:  Money Avoidance Is Emotional, Not Logistical: Most entrepreneurs avoid their financials because looking at numbers exposes vulnerability. When you understand the emotions underneath, clarity becomes much easier. Savings Habits Matter More Than Investment Choices: Brad explains why even the best investment strategy can't fix a poor savings rate and why behavior is the real foundation of wealth. Traditional Budgets Fail Because They Feel Limiting: Instead of obsessing over restrictions, focus on understanding your cash flow and aligning spending with your values and goals. Entrepreneurs Often "Out-Earn" Their Problems Without Solving Them: As revenue grows, lifestyle often expands at the same pace. Real financial health requires intentional guardrails. You Need a Money Team, Not One Money Person: Bookkeeper, tax accountant, CFO/coach, and financial advisor—each role supports a different part of your financial picture, and they should work together. Tax Strategies Shouldn't Sabotage Long-Term Flexibility: Saving money this year shouldn't come at the cost of future options or long-term growth. Clarity Creates Confidence: When you understand your numbers and the behaviors behind them, financial anxiety drops and decision-making becomes easier. Topics Discussed: (00:00) Intro: Brad's Background and What He Does (02:43) Why Entrepreneurs Avoid Looking at Their Financial Data (03:32) Fear of Financial Vulnerability and How It Impacts Decision-Making (05:39) The Problem with "Putting the Cart Before the Horse" in Investing (06:09) The Truth About the 4.4% Savings Rate and Why Traditional Budgeting Doesn't Work  (09:56) The Danger of Trying to "Out-Earn" Your Problems & What Will Actually Solve Issues (11:09) The 20% Savings Benchmark for Entrepreneurs  (12:16) Danielle's Breakdown of the 4 Essential Members of Your "Money Team" (15:16) Rethinking Tax Strategy and Future Flexibility  (18:31) Building Launch Plans for Your Children (20:39) HSAs, 401(k)s, IRAs, and 529s: Why Context Matters  (21:50) Pitfalls with Traditional Budgets and Using a Better Method of Budgeting (26:33) Promo: Kickstart Accounting's "Check Your Books" Service (27:45) Pitfalls with Traditional Budgets and Using a Better Method of Budgeting (29:44) Final Thoughts on Confidence, Clarity, and Long-Term Planning (21:36) Outro: Like, Share and Subscribe!   Resources: Connect with Brad | https://goorangefinancial.com/  Check Your Books | kickstartaccountinginc.com/checkyourbooks    Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

As 2025 winds down with markets near all-time highs, we focus on how investors can stay disciplined, tax-efficient, and emotionally grounded heading into 2026. Jeremiah Bates and Nic Daniels unpack why market volatility—driven by headlines, politics, and forecasts—shouldn't dictate financial decisions, and how time-based "bucket" strategies help protect lifestyle spending regardless of market swings. The guys go into common mistakes made by high-income earners, including excessive cash holdings, poor tax withholding, misreported backdoor Roth contributions, and costly surprises from mutual funds held in taxable accounts. Also, explaining how capital gains are taxed, how they affect Modified Adjusted Gross Income, and why understanding this distinction matters for Medicare premiums and tax planning. Listeners also got a detailed breakdown of Health Savings Accounts (HSAs) versus state Medical Savings Accounts (MSAs), including what expenses are eligible, when premiums can (and can't) be paid, and how HSAs can double as long-term tax-advantaged investment tools.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

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

Adam and Peter talk about fixing problems before they become emergencies—from replacing failing home systems and shutting off water while traveling, to spotting credit card fraud early and avoiding small debts that can wreck a credit score. They also dig into HSAs vs. FSAs, running goals and marathon plans, tech habits like mobile email apps and phone upgrades, and share a few entertainment picks along the way. Practical advice, real-world stories, and thoughtful side quests that blur the lines between work, money, technology, and everyday life. Links: The Book. The Ultimate Guide to Rebuilding a Civilization - Inspirational Science Books for Adults - https://amzn.to/45a3ur3 Garmin Forerunner® 965 Running Smartwatch, Colorful AMOLED Display - https://amzn.to/3MrPYZA ALTRA Men's Torin 8 Road Running Shoe - https://amzn.to/491UIg5 Youtube - https://youtu.be/86ouijSnwLU Learn More About the Hosts: PeterNikolaidis.com https://YogaWithPeter.com  https://friendswithbrews.com  Adam Bell Roaming Roan Lavender Farm https://rrlavenderfarm.com

In this episode, we uncover significant revelations regarding the FBI's investigation into the Uranium One scandal and the controversial raid on Donald Trump's Mar-a-Lago estate. Our host discusses the implications of the FBI's internal memos, which raised concerns about probable cause and the motivations behind the Justice Department's actions. John Solomon welcomes Congresswoman Beth Van Duyne from Texas to discuss the current state of healthcare and the implications of Obamacare. She shares insights on how liberal policies have affected Americans, the need for more healthcare choices, and the potential for innovative solutions like super HSAs. The conversation also touches on rising anti-Semitism, government corruption, and the economic landscape under the Biden administration. Next, Retired FBI unit chief Bassem Youssef joins us to discuss the implications of stonewalling within the agency, particularly in high-profile investigations like the Clinton Foundation and the Benghazi attack. Finally, we tackle the pressing issues surrounding child protection legislation with Terry Schilling, president of the American Principles Project. We delve into the Protect Childhood Innocence Act and discuss the alarming trends in violence and anti-Semitism across the globe. Schilling shares his insights on the cultural shifts affecting our society and the importance of prioritizing family values. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

As the year comes to a close, young investors have a unique opportunity to make small moves that can compound into meaningful long-term results. In this episode, we walk through a practical, end-of-year checklist designed for early-career investors who want to stay organized, tax-aware, and financially disciplined. Lance Roberts & Jonathan Penn cover how to confirm you're capturing all available employer benefits, including 401(k) or 403(b) matches and vesting schedules. We also discuss how to think about Roth IRAs, HSAs, and other tax-advantaged accounts early in your career—when time is often your greatest asset. On the investment side, we review simple allocation checks, diversification risks, and why staying invested through volatility matters. We also highlight tax-smart considerations like capital gains awareness, loss harvesting, and stock-compensation planning for ESPPs and RSUs. Finally, we address the foundational elements of financial stability: emergency savings, cash management, credit health, and high-interest debt. This checklist is not about speculation—it's about building durable financial habits that support long-term wealth creation. 0:00 - INTRO 0:19 - Wealth by Brackets 3:39 - Will the Santa Rally be Delayed? 9:02 - Open Enrollment & Benefits Tips 16:12 - 401k/IRA Contributions & Employer Matches 24:26 - Investment Choices in 401k's 26:56 - Tracking Down old 401k's 29:38 - Understanding Vesting Schedules 32:29 - Catching Up in 401k 33:58 - Wills, Estate Plans, & Beneficiary Designations 36:26 - Checking for Leakage 39:55 - Annual Credit Report Review 41:18 - Comniog Attractions Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=3Wyudzh3naw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Data, Volatility & Santa Rally Risk," is here: https://youtu.be/gnorFZc1qM8 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Facing Your Financial Ghosts," here: https://www.youtube.com/watch?v=Ypp_HKgciow&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #SantaClausRally #Volatility #RiskManagement #StockMarketAnalysis #YoungInvestors #PersonalFinance #YearEndPlanning #InvestingBasics #FinancialWellness

The real fight in U.S. healthcare isn't between doctors and patients—it's against a financing maze that raises premiums, hides quality, and rewards middlemen. We pull back the curtain on why ACA plans look the same yet cost more, how public underpayment pushes employer premiums up, and why political fixes often fail when crafted far from the bedside. With Nate Kaufman joining from the Healthcare Bridge, we tackle the hard trade‑offs behind subsidies, health savings accounts, site‑neutral payments, and the myth that consumers can “shop” their way through complex, high‑risk care.We share a clear framework: protect access now, then rebuild incentives. That means a short‑term patch to avoid coverage gaps, targeted funding for primary and urgent needs, and raising Medicare and Medicaid rates toward actual costs to reduce hidden cost shifting. We also explain where HSAs can help—simple, predictable care—and where they break down—leukemia, cardiac surgery, and other cases where data is scarce and choices are high‑stakes. Along the way, we confront the Fortune‑50 scale intermediaries extracting value and explore how transparency and outcome‑based accountability can shift dollars back to care.Looking forward, we outline a path to a simpler, fairer system: consolidate taxpayer‑funded coverage into a universal base, open drug benefits broadly with smart negotiation, and end tax preferences that prop up inefficient private plans. Most importantly, bring insiders—clinicians, operators, and contract negotiators—into the room with lawmakers so policy matches reality. If you're ready to move past soundbites and into practical steps that protect patients today while building a stronger system tomorrow, this conversation is your roadmap.If this resonated, follow the show, share it with a friend who battles premiums and deductibles, and leave a quick review to help others find it. Your feedback steers future episodes.Support the showEngage the conversation on Substack at The Common Bridge!

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

Welcome to a game-changing episode of the Building Your Money Machine Show! Today, I'm tackling a topic that most people don't think about until it's too late—the essential financial moves you must make before 2026. Did you know that 70% of people enter a new year in the exact same financial place as the year before? It's not because we don't work hard or care enough—it's because we don't make the right moves at the right time.I'll walk you step by step through redesigning your spending plan, renegotiating expenses, realigning your spending with your values, and confirming your emergency fund to keep your nervous system calm. We'll check your net worth snapshot, capture all the free money you might be leaving on the table (think 401(k) matches, employee stock discounts, and HSAs), lock in your year-end tax strategies, and make sure you're maxing out those tax-advantaged accounts before the deadlines hit.This episode is your game plan to stop reacting to life and start directing it. Let's make your money machine work for you, so you can focus on what really matters: dignity, peace, options, and living life on your own terms.IN TODAY'S EPISODE, I COVER:Why 70% of people stay financially stuck year after yearHow to redesign your spending plan and audit the “big three” expensesAligning your spending with your true valuesBuilding and reevaluating your emergency and peace-of-mind fundsCalculating your true net worth and your all-important investable net worthHow to maximize and optimize all your tax-advantaged retirement accountsRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/The Smartest Order to Invest Your Money (Step-by-Step)It Sucks, But It'll Skyrocket Your Net WorthIt's Happening Again and What EVERYONE is MissingAccountant Explains: How to Invest Your First $10,000The 3 Net Worth Milestones That Change EverythingRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:The Smartest Order to Invest Your Money (Step-by-Step): https://youtu.be/KWrFg8nP42YIt Sucks, But It'll Skyrocket Your Net Worth: https://youtu.be/NDDBwDrkg_cIt's Happening Again and What EVERYONE is Missing: https://youtu.be/sGaGRH396msAccountant Explains: How to Invest Your First $10,000: https://youtu.be/8spO7HPBvDQORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Gain a grounded, research-informed perspective on retirement planning in this episode of the Retire Sooner Podcast, where Wes Moss and Christa DiBiase examine the emotional, behavioral, and organizational factors that often influence how individuals approach life after work. This conversation highlights commonly referenced frameworks and planning considerations, offering context for listeners seeking to better understand the many moving parts of a thoughtful retirement process. • Explore the behavioral and psychological dynamics behind transitioning from a saver mindset to a spending mindset in retirement, including the frequently cited “millionaire's paradox.” • Understand how creating a written retirement plan may help provide structure, along with why general withdrawal frameworks—such as the commonly referenced 4%+ rule—are used for discussion rather than as recommendations. • Consider approaches for maintaining emotional objectivity when making financial decisions throughout retirement. • Reflect on why some financial professionals continue working and how their experience may contribute to broader retirement-planning conversations. • Review the potential role a fiduciary or financial advisor may play in helping individuals identify common planning pitfalls, organize long-term strategies, and evaluate tax and estate considerations. • Identify widely used criteria for assessing whether a fiduciary advisor aligns with an individual's values, communication preferences, and planning philosophy. • Explore end-of-year tax-related considerations—including SALT limits, charitable deduction rules, HSAs, clean-energy credits, bonus depreciation provisions, and updates to 529 plan flexibility—while recognizing that tax implications depend on each household's specific circumstances. • Evaluate the educational value some families see in establishing custodial investment accounts for children or grandchildren as part of broader financial learning. • Assess the administrative reasons some individuals review whether consolidating retirement accounts may support clearer oversight of their financial landscape. If you're interested in expanding your understanding of the factors that may shape retirement decision-making, this episode offers context to help you think through your own process. Listen and subscribe to the Retire Sooner Podcast for ongoing discussions centered on thoughtful, well-informed retirement planning. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, joins Jon Hansen to discuss tax brackets, contributing more to your savings accounts, and more! For more information, call 800-640-2256.

Send us a textMaximizing Wealth in Your 30s and 40s: A Step-by-Step GuideIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner and founder of Palm Valley Wealth Management, addresses a critical question for high-income earners in their thirties and forties: 'Where should my money go first?' Hunter outlines a clear and effective order of operations to optimize tax benefits, compounding growth, and retirement flexibility. Steps include ensuring you meet your 401k match, eliminating high-interest debt, establishing a fully funded emergency fund, maximizing contributions to retirement accounts (including Roth IRAs and HSAs), and using a taxable brokerage account for additional financial flexibility. Kelly also discusses the benefits of 529 plans for college savings and shares a client case study to illustrate practical application. The episode emphasizes the importance of having a plan and purpose for your finances to achieve financial independence and possibly retire early.00:00 Introduction to the Podcast01:21 The Importance of Retirement Planning in Your 30s and 40s03:17 Step 1: Maximize Your 401k Match04:58 Step 2: Eliminate High-Interest Debt and Build an Emergency Fund07:45 Step 3: Advanced Retirement Contributions and HSA Benefits11:09 Step 4: The Power of a Taxable Brokerage Account15:24 Step 5: Planning for Your Children's Education16:40 Real-Life Case Study and Final ThoughtsCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

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

Matt Van Epps, a West Point graduate, combat veteran, and brand-new Congressman from TN-07, joined The Guy Benson Show today to discuss his decision to jump into the open race in Tennessee and ultimately defeat radical Aftyn Behn. Rep. Epps was sworn in earlier today, and he shared more of his background, including his military service and time working in state government with the Guy Benson Show audience. Rep. Epps walked through his Congressional priorities on affordability, healthcare, and energy policy, why he believes deregulation and competition will raise quality for Tennessee communities, and why price transparency and expanded HSAs must be at the center of meaningful healthcare reform Listen to the full interview below! Learn more about your ad choices. Visit podcastchoices.com/adchoices

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

Join us for a fascinating conversation with Don, a disciplined saver who's embracing the "Die With Zero" philosophy but finding it hard to shift gears! We dive into his journey of planning generous gifts to family and charities now, rather than later, and the mental gymnastics required to actually spend the money he's so diligently saved. We also tackle the nitty-gritty of optimizing investments, navigating healthcare, and the unique estate planning considerations for those who are Childfree. Get ready for some honest talk, a few laughs, and actionable insights on truly living your best life with your wealth.

Today's episode is one of the most important conversations we've had on My DPC Story. As of July 4th, we are standing at a true inflection point for Direct Primary Care—and for every physician, employer, broker, advocate and patient who believes primary care should be personal, accessible, and free from insurance middlemen.In this special session, I'm joined by Jay Keese, Executive Director of the Direct Primary Care Coalition, who has spent more than a decade at the front lines in Washington, DC. Together, we break down what HR 1—the major tax bill signed into law this year—actually means for DPC. This includes:The historic win: HSAs are now fully compatible with Direct Primary Care for the first time ever.What patients can do starting January 1: Use tax-free HSA dollars to pay for DPC memberships without losing HSA eligibility.How this changes the landscape: New opportunities with employers, brokers, high-deductible plans, and even ACA bronze/catastrophic plans.What stays the same, what's evolving, and what rulemaking from the IRS will finalize.What's coming next: How DPC can scale responsibly and sustainably as demand accelerates.If you've ever wondered how policy actually becomes reality—or what the future of DPC looks like on a national scale—you'll want to listen closely. This episode is equal parts celebration, clarification, and a roadmap for what comes next.Learn about healthcare for your own family and about health shares today! Get your FREE DIGITAL COPY of The Toolkit, the magazine from My DPC Story at mydpcstory.com/magazine. Coming NOV 25th 12pm PST: our LIVE Webinar and Q&A on the OBBB, HR1, HSAs and DPC. Register at dpcare.org. Get your DPC Resources HERE at mydpcstory.com!Support the showBe A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

Most federal employees never take advantage of one of the best tax-saving tools available to them: the Health Savings Account (HSA). In today's episode, Christian breaks down why HSAs are one of the most powerful and underutilized benefits in the FEHB system.

This last weekend, Jeremiah and Nic walk through everything investors should be thinking about heading into year-end. They open with the uptick in market volatility and why short-term swings (especially after years of strong returns) should be expected rather than feared. From S&P 500 movement to speculation-driven selloffs and margin trading, the guys explain what's actually happening under the hood. They then shift into the biggest year-end priorities: maxing out 401(k) contributions, coordinating Roth strategies, and using HSAs the right way—including the little-known double catch-up rule for couples over 55. The advisors outline practical moves for self-employed listeners too, especially when SEP IRAs unintentionally reduce their Qualified Business Income (QBI) deduction. Listener calls round out the show with questions on spending down windfalls, tax-efficient Roth funding, managing debt, and how to plan confidently when you feel "behind." In hour two, the conversation turns to 1031 exchanges and Delaware Statutory Trusts—how they work, who they're right for, and the real trade-offs behind tax deferral. They finish with retirement psychology, planning clarity, and why understanding your strategy matters more than timing the market.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Today we hear from Dr. Maria Rutmann, founder of Lionheart Direct Primary Care in northern Maine. She discusses the transformative power of the Direct Primary Care (DPC) clinic model as physician burnout and healthcare system challenges escalate nationwide. Dr. Rutmann shares her journey from working in a traditional fee-for-service hospital group - where mounting administrative demands and loss of autonomy led to emotional exhaustion - to reclaiming her purpose and joy in medicine through DPC.Listeners learn how Lionheart DPC empowers physicians to practice value-based care by fostering lasting patient-physician relationships, personalizing health experiences, and eliminating the barriers of insurance-driven healthcare. Dr. Rutmann emphasizes that DPC not only improves healthcare access in rural areas, but also allows doctors the time and freedom to provide comprehensive, preventative, and patient-centered care. Families in her community have experienced the convenience and rapid responsiveness of the DPC model, sometimes avoiding costly and time-consuming ER visits and walk-ins thanks to direct communication and same-day appointments.This episode also highlights how DPC serves as a solution to physician burnout, supporting practitioners to reconnect with their sense of purpose, maximize patient outcomes, and enjoy professional autonomy. Listeners considering DPC - from those facing moral injury in fee-for-service settings, to those interested in community-driven, flexible healthcare - will find practical advice, heartfelt encouragement, and proof that a better way in healthcare is not only possible, but thriving.Keywords: physician burnout, healthcare access, direct primary care, DPC, value-based care, physician autonomy, patient-centered care, rural healthcare, medical practice models, Lionheart Direct Primary Care.Learn about healthcare for your own family and about health shares today! Get your FREE DIGITAL COPY of The Toolkit, the magazine from My DPC Story at mydpcstory.com/magazine. Coming NOV 25th 12pm PST: our LIVE Webinar and Q&A on the OBBB, HR1, HSAs and DPC. Register at dpcare.org. Get your DPC Resources HERE at mydpcstory.com!Support the showBe A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

The IRS just released the 2026 tax updates and they're full of major changes that impact your retirement accounts, your deductions, and your long-term tax planning. We break down new contribution limits for 401(k)s, IRAs, HSAs, SIMPLEs, and more, plus important updates to tax brackets, the SALT deduction, child tax credits, and upcoming rule expansions. After that, we answer your financial questions live on air! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you missing out on some of the most powerful year-end tax strategies available to small business owners and entrepreneurs? In this episode of the Main Street Business Podcast, Mark J. Kohler and Mat Sorensen break down 20 actionable moves you can still make before December 31 to save thousands on taxes and set yourself up for long-term financial success. From retroactive S-corp elections to HSAs, Solo 401(k)s, and smart income timing, this episode is your complete year-end playbook.Unlike generic tax tips you'll find online, these strategies are tailored for real entrepreneurs — whether you're running an LLC, managing rentals, or building your side hustle. Mark and Mat explain how to pay your kids the right way, leverage 100% bonus depreciation on vehicles and equipment, and take advantage of HRAs, Roth conversions, self-rental rules, and tax-loss harvesting before the clock runs out. They also share which moves are still possible after year-end and which deadlines you can't afford to miss.Whether you're just getting started or already running a profitable business, this episode will help you keep more of what you earn and make smarter tax decisions for 2025. By the end, you'll know exactly how to finish the year strong — and start the next one with a strategy that builds wealth, not stress.If you're serious about saving money, staying compliant, and maximizing every deduction possible, this is an episode you can't afford to skip!How to implement 20 year-end tax strategies that help business owners, investors, and the self-employed keep more of their moneyHow to use S corporation elections, payroll planning, and paying your children legally to reduce self-employment taxWhy HSAs, HRAs, and Solo 401(k)s are some of the most powerful tools for deductible medical and retirement planningHow to unlock startup deductions with a first sale and maximize write-offs through year-end equipment and vehicle purchasesSmart ways to shift income and expenses between tax years to optimize your tax bracketHow Roth conversions, rental real estate strategies, and the self-rental rule build long-term tax-efficient wealthWhy scheduling a personalized tax review ensures that these strategies are actually implemented before December 31Get a comprehensive tax consultation with one of our Main Street tax lawyers that can build a tax strategy plan with an affordable consultation that will leave you speechless!! Here's the link - https://kkoslawyers.com/services/comprehensive-bus-tax-consult/?utm_source=buzzsprout&utm_medium=description-link&utm_campaign=main-street-business-podcast&utm_content=msbp601-20-year-end-tax-strategies Grab my eBook 30 Unique Strategies Every Business Owner Should Know! You don't want to miss this! Secure your tickets for the #1 Event For Small Business Owners On Main Street America: Main Street 360 Looking to connect with a rock star law firm? KKOS is only a click away! Are you ready to get certified in EVERY strategy I teach? Start your journey with a FREE 15-minute discovery call to explore the Main Street Tax Pro Certification. Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohler Craving more content? Check out my Instagram!

In this episode of Protect Your Assets, David Hollander breaks down practical year-end tax planning strategies for 2025 in light of the new Big, Beautiful Bill and today’s market volatility. Learn how to use tools like 401(k) contributions, backdoor Roth IRAs, HSAs, capital gains harvesting, and portfolio rebalancing to make your money work harder before December 31. David also explains how retirees and pre-retirees can approach RMDs and qualified charitable distributions (QCDs), navigate changing healthcare costs, and think through AI-heavy tech exposure in their portfolios. If you’ve been wondering what to do before April 15 to potentially reduce your future tax bill and feel more in control of your retirement income plan, this episode offers clear, actionable guidance you can discuss with your financial and tax professionals. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

In this episode of the My DPC Story Podcast, host Dr. Maryal Concepcion interviews Dr. Sarah "Sassy" Weinstein, a triple board-certified physician in family, sports, and lifestyle medicine. Hear how Dr. Sarah Sassy Weinstein turned personal health experiences - including Lyme disease and sports injuries - into a compassionate approach for patient care. Discover why she left insurance-driven medicine for a direct specialty care model in Princeton, NJ, empowering her to focus on holistic, patient-centered treatment without time constraints. Learn her insights on starting a direct care clinic, tips for keeping overhead low, and building a thriving practice. She shares strategies for integrating lifestyle medicine, the importance of listening to patients' goals, and balancing her roles as doctor, mom, and fitness instructor. This inspirational episode is packed with advice for physicians interested in launching a direct care or direct specialty care practice. COMMERCIAL-FREE Episodes now on PatreonLearn about healthcare for your own family and about health shares today! Get your FREE DIGITAL COPY of The Toolkit, the magazine from My DPC Story at mydpcstory.com/magazine. Coming NOV 25th 12pm PST: our LIVE Webinar and Q&A on the OBBB, HR1, HSAs and DPC. Register at dpcare.org. Get your DPC Resources HERE at mydpcstory.com!Support the showBe A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

Healthcare Policy & Obamacare the Affordable Care Act (Obamacare), caused premiums to skyrocket instead of reducing costs. Discussion of President Trump’s stance on healthcare reform, emphasizing Health Savings Accounts (HSAs) as a solution to empower individuals rather than insurance companies. Includes a tweet from Trump advocating for HSAs and opposing corporate welfare for health insurers. Stock performance data of major health insurance companies since Obamacare passed, highlighting massive profit increases. Government Shutdown & Political Divide Commentary on the recent government shutdown, blaming Democrats for prolonging it. Portrays Democrats as controlled by “Marxists” and “radicals,” contrasting Republican values of individual freedom and choice. Mentions internal Democratic Party conflicts and leadership struggles. Legislation Preview Introduction of the “Deporting Fraudsters Act of 2025”, aimed at making welfare fraud a deportable offense for illegal immigrants. Provides statistics on SNAP and public benefits abuse by non-citizens, estimating billions in costs over a decade. Profile on Senator John Fetterman Highlights Fetterman’s dissent from mainstream Democratic positions, especially his strong pro-Israel stance. Discusses his recovery from a stroke and the backlash he faces from within his party. Suggests growing incompatibility between being pro-Israel and being a Democrat. Campus Violence & Radical Groups Reports on violent protests at a Turning Point USA event at UC Berkeley, allegedly funded by far-left organizations. Mentions Antifa involvement and chants celebrating the assassination of Charlie Kirk. References DOJ investigation into funding sources behind these protests and university administrators’ alleged complicity. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

If open enrollment season makes your eyes glaze over faster than a holiday spreadsheet, this one's for you. In Part 3 of the Smart Money Moves Before Year-End series, Shari dives into all the hidden ways you can squeeze more value out of your paycheck before December 31. From health plans to hidden perks, this is your reminder that benefits are part of your compensation — and it's time they pulled their weight. You'll walk away with: A step-by-step guide to reviewing your health, dental, and vision plans The real difference between FSAs and HSAs (and how to use them wisely) A strategy for planning your bonus before it hits your account A quick insurance checkup to make sure you're covered, not overpaying The overlooked perks most people forget they already have access to Because if you're going to work this hard for your benefits, they should be working just as hard for you. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Nate Thurston in this solo edition of Good Morning Liberty as he covers the end of the longest government shutdown in U.S. history. Nate discusses the Senate vote and the implications of the compromise used to reopen the government. He shares his thoughts on the overall messiness of the political situation, including the impact on health insurance, layoffs of federal workers, and the proposed extended health insurance tax credits. Nate explores Trump's new proposals over the weekend, like $2,000 stimulus checks from tariff money, 50-year mortgages, and bonuses for air traffic controllers. He addresses the issues surrounding Obamacare, Bernie's critique of recent decisions, and investigates the real impact of the Affordable Care Act on health insurance stock prices. Nate also proposes alternative solutions for healthcare reform, focusing on health savings accounts, interstate insurance sales, and more efficient market-based strategies. 00:00 Intro 00:43 Government Shutdown Update 01:45 Political Commentary and Personal Views 02:22 Senate Moves to End Shutdown 03:59 Impact of Shutdown on Federal Workers 06:15 Trump's Weekend Proposals 07:41 Critique of Trump's Strategy 08:27 Shutdown Winners and Losers 09:50 Obamacare Subsidies Debate 14:33 Economic Implications of Shutdown 19:33 Trump's Tariff Stimulus Proposal 32:53 Health Insurance Companies and Obamacare 43:20 Radical Healthcare Reform Ideas 43:42 The Role of HSAs in Healthcare 47:00 Government's Role in Healthcare 49:33 Employer-Provided Healthcare and Tax Implications 52:33 Price Transparency and Market Competition 56:22 State Mandates and Insurance Across State Lines 01:01:49 Certificate of Need Laws 01:09:52 Preexisting Conditions and Risk Pools 01:14:55 Taxation in Healthcare