Podcasts about hsas

HSAs in 2026: legislative changes you need to know. This episode explores the recent changes brought about by the One Big Beautiful Bill affecting Health Savings Accounts (HSAs) in 2026 and beyond. We delve in for a breakdown of what's new, what's staying the same, and why HSAs remain a unique tool in financial strategies.

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

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Here's the blunt truth: the shutdown standoff is theater—and the real deal being cut in the back room is whether Trump and Republicans extend juiced Obamacare subsidies to dodge political heat before the midterms. In this episode:Why the “who wins the shutdown?” narrative is a distraction from a massive spending caveHow enhanced ACA subsidies became permanent by “temporary” design—and doubled enrollment since 2021The GOP's fear play: extending subsidies to avoid blame for higher premiums in key red districtsWhy subsidies always raise prices—and how healthcare became a middleman bonanzaThe path not taken: real market reforms (HSAs, catastrophic plans, cross-state competition) Republicans abandonedIf the White House trades another year of Obamacare steroids for a PR win, both parties will claim victory—while you pay the bill and the system keeps breaking.

In this episode of the Tax Smart REI Podcast, hosts Thomas Castelli and Ryan Carriere, CPA, dive into one of the most-requested topics from high-income investors and professionals, W-2 tax strategies. Tune in to learn: - Why W-2 income is so highly taxed and the biggest obstacles to offsetting it - How Section 469 passive activity rules work and proven ways to navigate them with real estate professional status (REPS) or short-term rentals - How the $626,000 Excess Business Loss (EBL) limit applies to high earners and how to strategically plan around it - Ways to generate non-passive losses through active businesses and oil & gas investments - How to stack charitable deductions (like donor-advised funds, CRTs, and CLTs) on top of business losses for maximum impact - Traditional but powerful tactics, including 401(k)s, HSAs, SALT deductions, and capital loss harvesting - Which “too-good-to-be-true” tax schemes to avoid and how to spot them before they get you audited This comprehensive breakdown gives you a complete view of W-2 taxation. To become a client, request a consultation from Hall CPA, PLLC at go.therealestatecpa.com/3KSEev6 Subscribe to REI Daily & Enter to Win a FREE Strategy Call: go.therealestatecpa.com/41JuQBX Connect with Eckard Enterprises: eckardenterprises.com/taxsmartrei/ The Tax Smart Real Estate Investors podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

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

 D.J. and the “Henssler Money Talks” hosts breaks down Health Savings Accounts (HSAs) and explains why they're one of the most powerful tools for saving money—thanks to their unique triple tax benefit. While many people use HSAs to pay for health care expenses as they arise, there are compelling advantages to covering those costs from other funds and allowing the HSA to accumulate, benefiting from tax-deferred growth over time. Original Air Date: September 27, 2025 Read the Article: https://www.henssler.com/health-savings-accounts-the-hidden-gem-in-your-financial-plan 

On episode 114 we lay out how the potential expiration of enhanced ACA subsidies after 2025 could affect early retirees and what can be done ahead of time to prepare. Practical planning moves to manage MAGI, use HSAs, shore up cash flow, and keep retirement on track without panic.• Expanded subsidies, what they did and why they matter • When the enhancements are set to expire and likely 2026 impact • How uncertainty creates budgeting stress for early retirees • Sticker shock for ages 58–64 off employer plans • MAGI management with CPAs and planners • HSA strategy to bridge pre‑Medicare years • Delaying large purchases to maintain flexibility?• Should you consider part‑time work with benefits?

#606 We're back with Part 2 of our three-part series on the seven rules of creating wealth! In this episode, Justin Williams and Andrew Giancola of The Personal Finance Podcast dive deeper into investing — where to start, how to maximize your employer's 401(k) match, the power of HSAs, Roth IRAs, and why keeping fees low is critical to long-term wealth building. Andrew also breaks down the step-by-step process of investing in index funds and ETFs, plus tips for setting up investment accounts for your kids. If you haven't listened to Part 1 yet, be sure to go back and check it out. And stay tuned for Part 3 tomorrow, where we'll wrap up the series! (Original Air Date - 3/5/25) What we discuss with Andrew: + Maximize 401(k) match – Best guaranteed return + HSA benefits – Triple tax advantages + Roth IRA strategy – Tax-free growth & backdoor option + Minimize fees – Avoid costly advisor & fund fees + How to invest – Open accounts & automate contributions + Lump sum vs. monthly – Best way to invest large amounts + Time in market – Long-term growth power + Investing for kids – Roth IRAs & brokerage accounts + Stocks vs. real estate – Passive vs. active wealth building + S&P 500 advantage – Outperforms most funds Thank you, Andrew! Check out Master Money at ⁠MasterMoney.co⁠. Listen to ⁠The Personal Finance Podcast⁠. Watch the ⁠video podcast⁠ of this episode! To get access to our FREE Business Training course go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MillionaireUniversity.com/training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. And follow us on: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tik Tok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Want to hear from more incredible entrepreneurs? Check out all of our interviews ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

While we're out of the studio this week, we've collected a selection of great discussions from the past few months. First, we look at a situation where a listener has been with his car insurance company for 25 years, but switching providers offers better coverage, lower deductibles, and hundreds in savings—what should he do? For many, the emotional weight of loyalty outweighs the financial upside of making a change. Next, D.J. breaks down Health Savings Accounts (HSAs) and explains why they're one of the most powerful tools for saving money—thanks to their unique triple tax benefit. While many people use HSAs to pay for health-care expenses as they arise, there are compelling advantages to covering those costs from other funds and allowing the HSA to accumulate, benefiting from tax-deferred growth over time. If you're rolling over your 401(k), should you reinvest all at once or ease in with dollar-cost averaging? Nick and K.C. break down the pros, cons, and emotions behind each strategy. After the break, we unpack the jaw-dropping strategy known as “Buy, Borrow, Die”—a legal tax loophole the ultra-wealthy use to build massive fortunes, fund lavish lifestyles, and pass on wealth to heirs nearly tax-free. It's a masterclass in how America's richest sidestep income and estate taxes, exposing the widening gap between the tax code for the few—and the one for everyone else. 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 — September 27, 2025  |  Season 39, Episode 39 Timestamps and Chapters 2:50: Loyalty vs. Logic: When Staying Costs More 10:47: HSAs: Triple Tax Benefit 21:21: All in at once or dollar-cost average?  30:59: Buy, Borrow, and Die 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/ 

Join Mindy Jensen and Scott Trench on the BiggerPockets Money Podcast as they welcome retirement tax experts Sean Mullaney, The FI Tax Guy, and Cody Garrett, a certified financial planner, to break down their game-changing retirement drawdown order of operations. This isn't your typical retirement advice - it's a strategic blueprint that could save early retirees and traditional retirees thousands in taxes while ensuring their money lasts a lifetime. Discover the four critical retirement drawdown fundamentals that form the backbone of any successful retirement strategy, plus advanced tactics for optimizing your tax burden, managing healthcare costs, and timing Roth conversions for maximum impact. Sean and Cody don't just explain what to do - they walk through exactly when and why each strategy matters most, covering everything from your retirement date through the challenging widow and widower years. This episode covers: The four fundamental retirement drawdown rules that could save you thousands Why you should spend taxable accounts first and traditional accounts second The strategic case for delaying Social Security until age 70 How to use HSAs and Roth IRAs as powerful tax-free tools The five distinct phases of retirement and what each one means for your strategy Advanced Roth conversion tactics and optimal timing How to keep income low to maximize ACA premium tax credits Managing required minimum distributions and minimizing their impact Healthcare cost planning and insurance strategies for retirees Why working with a qualified tax planner is essential for your unique situation And SO much more! 00:00 Retirement Drawdown Strategies 01:22 Fundamentals of Retirement Drawdown 03:37 Phases of Retirement and Taxable Accounts 07:23 Managing Income and Premium Tax Credits 09:22 Roth Conversions and Standard Deductions 19:52 Hidden Roth IRA and Tax Planning 28:36 Navigating Healthcare Subsidies and Early Retirement 29:26 Balancing Benefits for Early Retirees and Self-Employed 33:34 Strategic Tax Planning for Retirement 35:50 Understanding Required Minimum Distributions (RMDs) 36:59 Mitigating the Impact of RMDs 40:51 The Widow's Tax Trap and Effective Tax Planning 46:30 Connect with Sean and Cody! Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textBeyond Retirement Accounts: Building a Flexible Financial FutureIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner, discusses why traditional retirement accounts like 401ks and IRAs may not be enough for achieving financial freedom. He outlines the limitations of these accounts including contribution caps, early withdrawal penalties, and required minimum distributions. Hunter emphasizes the importance of financial tools like brokerage accounts, HSAs, and real estate for flexibility and tax advantages. He introduces strategies such as the three-bucket approach for optimal asset allocation and tax diversification. The episode also covers creating a balanced financial strategy to ensure both liquidity and growth, helping listeners build wealth beyond traditional retirement accounts.00:00 Introduction and Today's Topic01:39 Limits of Retirement Accounts02:57 Liquidity Issues and Tax Implications06:12 Life Situations Where Retirement Accounts Fall Short11:44 Building Wealth Beyond Retirement Accounts18:21 The Three Bucket Strategy21:59 Conclusion and Call to ActionCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

This episode of Talking Real Money tackles myths about the Federal Reserve and interest rates, explains why mortgage and Treasury rates don't automatically follow Fed moves, and reminds listeners that markets usually price in expected changes. Don and Tom then pop the cork on wine investing, showing that after costs it performs about as well as plain bonds—and far worse than a 60/40 portfolio. They compare wine and tobacco “sin stocks,” highlight the volatility of individual companies like Constellation Brands and Altria, and use that as a cautionary lesson against stock-picking. Listener calls cover asset location strategies (Roth vs. taxable vs. HSA), the realities of buffer ETFs, and how to evaluate fiduciary firms like Prairie View Partners (now Savant). As always, the conclusion is clear: keep it simple, diversify, and drink the wine instead of investing in it. 0:04 Old-fashioned call-in intro and Fed rate cut discussion 1:33 Myths about Fed decisions and mortgage/consumer loan rates 3:21 Treasury yields, market reactions, and rate expectations through 2026 6:16 Why markets often anticipate rate changes in advance 7:40 Transition into alternatives and “exciting” investments 9:03 Wine as an investment: storage, insurance, dealer costs 10:38 Average returns vs. net after-cost reality (bonds beat wine) 12:46 Stocks and bonds outperform—“invest in markets, drink the wine” 14:08 Constellation Brands stock history as a volatility case study 17:37 Altria (tobacco) stock comparison and “sin stock” volatility lesson 20:16 Small percentage of individual stocks outperform T-bills (Bessembinder research) 21:39 Listener: Asset location strategy (taxable, Roth, HSA) 24:58 ETFs changing the asset location conversation 27:10 Treatment of HSAs as Roth-like for medical use vs. IRA-like otherwise 28:42 Listener: Buffer funds (“boomer candy”) and why they're costly gimmicks 32:54 Reminder that many investors panic out of markets at the worst times 33:42 Listener: Emergency fund and avoiding 1099s (spoiler: you can't) 34:58 Listener: Evaluating fiduciary firm Prairie View Partners (merged with Savant) Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Simply Money presented by Allworth Financial, Bob and Brian get Allworth Chief Investment Officer Andy Stout's take on the Fed's latest rate cut and what it really means for investors. They also cover new IRS rules pushing high earners' 401(k) catch-ups into Roths, why HSAs are the most overlooked tax break, and how to protect your retirement from sequence of return risk. Plus, real listener questions on private REITs, pensions, and illiquid wealth—and a quick December tax trick that could save you thousands.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2736: Andy Hill explains how a Dependent Care FSA can provide significant tax savings for families with daycare expenses, while also highlighting the importance of planning ahead for its “use it or lose it” rules. He expands on other workplace benefits like 401(k) matches, HSAs with their triple tax advantage, and employer-provided perks that can help families save money and build long-term wealth. Read along with the original article(s) here: https://marriagekidsandmoney.com/dependent-care-fsa Quotes to ponder: “Like the Flexible Spending Arrangement (or Account), it is essentially a separate account where you can save pre-tax money for use on qualified expenses.” “Remember that an FSA is a ‘use it or lose it' program.” “Your HSA contributions are tax-deductible and your investments grow tax-free. And you can withdraw your money, tax-free at any time as long as you're using the funds for qualified medical expenses.” Episode references: IRS Qualified Medical Expenses List: https://www.irs.gov/publications/p502 Lively HSA: https://livelyme.com Learn more about your ad choices. Visit megaphone.fm/adchoices

As a busy parent trying to manage your family and career, do you even have time to understand what he new One Big Beautiful Bill will mean to you? Today, I am going to explore the winds and losses through the “One Big Beautiful Bill” during this pivotal life stage of career and family growth. Drawing from my own experience as a parent of triplets (plus one!), I dive into the financial and emotional challenges parents face when juggling careers, raising children, and planning for the future. I break down what recent legislation means for families in this life stage, including significant updates to tax brackets, standard deductions, the SALT deduction, child tax credits, dependent care benefits, and the new “Trump account” investment option for kids. I also share proactive strategies for maximizing FSAs and HSAs, making the most of state-specific and charitable deductions, and finding harmony in your savings plan—no matter what life throws your way. If you're feeling pulled in a hundred directions by kids, careers, and finances, or want to stay ahead of the latest tax changes, this episode is packed with real stories, valuable strategies, and honest encouragement to help you build a solid roadmap for your family's future. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Welcome back to the Dollar Wise Podcast. In this episode, Andrew Barnhardt and Brett Herron of HFM Advisors dive into the world of above-the-line tax deductions. These often-overlooked deductions can reduce your adjusted gross income and improve your eligibility for other tax benefits. From retirement contributions and HSAs to student loan interest and self-employment tax breaks, Andrew and Brett break down how these deductions work, why they matter, and how to take advantage of them. Whether you're planning for next April or the next decade, this episode offers a practical look at reducing your tax bill.Tune into this episode to also learn:● Why above-the-line deductions matter for your tax planning strategy. ● How HSAs and retirement plans offer triple tax advantages. ● The difference between above-the-line and below-the-line deductions. ● Lesser-known deductions like student loan interest and self-employment tax offsets.What we discussed● [00:01:00] Why tax planning is a year-round activity and the role of above-the-line deductions. ● [00:03:04] Key differences between above-the-line and below-the-line deductions. ● [00:05:34] How retirement contributions reduce your taxable income. ● [00:06:30] The triple tax advantage of Health Savings Accounts (HSAs). ● [00:08:20] Student loan interest deduction and its phase-out thresholds. ● [00:09:37] Self-employment tax deductions and how they encourage small businesses. ● [00:11:08] Humorous examples of niche deductions: Olympic medals, timberland, IRS tip-offs. ● [00:13:15] Why adjusted gross income is the “halftime” point of your tax return. ● [00:14:22] Tease for upcoming episode on below-the-line deductions.3 Things To RememberAbove-the-line deductions reduce your adjusted gross income and can unlock other tax benefits.Common deductions include contributions to retirement accounts, HSAs, and student loan interest.Understanding and using these deductions can significantly lower your tax liability year after year.Useful LinksConnect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedInLike what you've heard…Learn more about HFM HERESchedule time to speak with us HERECheck out our Financial Wellness Program – HFM Ignite102 WEST HIGH STREET, SUITE 200GLASSBORO, NJ 08028HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. 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. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Exposing Big Food, Big Pharma, and the Path to True Health In this week's episode, Marcus, Melanie meet with Calley Means — entrepreneur, healthcare reform advocate, and co-founder of TrueMed. Calley has been making waves in the national conversation about health, nutrition, and the systems driving chronic disease. As a former consultant to some of the largest food and pharmaceutical companies in the world, Calley offers a rare insider's perspective on how financial incentives can prioritize profits over people. Now, through TrueMed, he's working to flip the script — helping Americans use tax-free health savings accounts to pay for food, exercise, wellness coaching, and other preventative health measures. Calley is also the co-author (with his sister) of the bestselling book Good Energy, which explores the connection between metabolism and health, and he's an investor in companies tackling metabolic health, mental health, and longevity. A graduate of Stanford University and Harvard Business School, Calley also co-founded Anomalie, a custom bridal brand later acquired by David's Bridal. In this powerful and eye-opening conversation, Calley shares: •How his insider view of Big Food and Big Pharma shaped his mission to reform healthcare •The shocking incentives that drive the chronic disease crisis in America •How TrueMed empowers people to use HSAs and FSAs for healthy living •The link between metabolism, mental health, and performance — and why it matters for every American •Why systemic change requires both personal responsibility and policy reform Whether you're a health professional, a parent trying to improve your family's nutrition, or simply curious about the future of healthcare, this episode will challenge assumptions and offer practical solutions. Don't miss this episode with Calley Means — a candid, informed, and inspiring discussion on how we can take back control of our health. In this episode you will hear: • [Marcus] We turned a vegan into a meat-eater. A vegetarian was working at our house and smelled [Mama Holly's Prime Rib] and said “What is that?” And I said that's prime rib and said “I'm a vegetarian.” I said “I don't know man. I think you might give this one a whirl.” (3:20) • Pharmaceutical is about 50% of TV advertising. (5:50) • The 2 ways you get researchers money is just research grants (that's their life blood) and direct bribes. (7:10)  • Anxiety was created as a sub-category of medicine in the 1970s, explicitly by pharmaceutical companies who had Valium to sell. (8:21) • If you can make obesity a national standard and tell people it's not you fault and jab them for a lifetime – that's a profitable patient. (18:33) • 25% of women are on some kind of psychiatric drugs, That produces reoccurring appointments and prescriptions. (20:01) • A doctor is a medical drug doctor. They're a drug prescriber. Who made that rule? That's not how it is in other countries. (22:51) • [Marcus] If you tell yourself your body is a racecar, or a fighter jet, or a monster truck, what kind of fuel are you putting in that sucker? (36:40) • If you can get seed oils, processed sugar and processed grains out of you house, that gets you about 80% there [the single most important thing a household could do.] • I think people should be more scared. I think we should have apps and blood tests and doctors telling people “You're not gonna make it through your life to meet your grandkids.” (41:57) • [Farmers] have low prices, high input costs, more weather challenges, trade issues that aren't their fault. They're taking it from all fronts. (59:05) • The system is built for drugs, not medicine right now. Drugs are profitable, healing is not profitable. Thriving is not profitable. (65:56) Support Calley:  Book --> https://a.co/d/8T7DaqJ Support TNQ   - IG: team_neverquit , marcusluttrell , melanieluttrell , huntero13   -  https://www.patreon.com/teamneverquit Sponsors:   - Navyfederal.org        - meetfabiric.com/TNQ   - masterclass.com/TNQ   - Prizepicks (TNQ)   - Dripdrop.com/TNQ   -  cargurus.com/TNQ    - armslist.com/TNQ    -  PXGapparel.com/TNQ   - bruntworkwear.com/TNQ    - Selectquote.com/TNQ    - Groundnews.com/TNQ    - shipsticks.com/TNQ    - strawberry.me/TNQ    - stopboxusa.com {TNQ}    - ghostbed.com/TNQ [TNQ]   -  kalshi.com/TNQ   -  joinbilt.com/TNQ    - Tonal.com [TNQ]   - greenlight.com/TNQ   - PDSDebt.com/TNQ   - drinkAG1.com/TNQ   - Shadyrays.com [TNQ]   - qualialife.com/TNQ [TNQ]   - Hims.com/TNQ   - Shopify.com/TNQ   - Aura.com/TNQ   - TAKELEAN.com [TNQ]   - usejoymode.com [TNQ]

Healthcare Bridge: Before Medicare Kicks InRetiring before 65 sounds great—until you realize one big problem: Medicare doesn't start until age 65. So how do you cover healthcare in those “in-between years” without draining your savings?In this episode, Ryan and Andrew break down the real options for pre-retirees: COBRA, ACA marketplace plans, spousal coverage, part-time work with benefits, and even alternative solutions like HSAs and health-sharing programs. They'll share the pros, cons, and strategies for making the most of each choice—plus tips on how to manage your income to keep premiums affordable.If you're dreaming of early retirement, don't let healthcare costs catch you off guard. Ryan and Andrew explain how to build a bridge from your last day of work to your first day on Medicare with confidence and clarity.

You want the truth about the One Big Beautiful Bill. Not headlines. Not wishful thinking. The real impact on your money and your business. That is what we cover today.Morgan Anderson joins me to break down what changes now, what phases in next, and where the media is getting it wrong. We hit the mess around “no tax on tips” and why it is not the free pass people think it is. We talk expiring credits, retroactive tweaks, and why Q4 tax planning beats “see you in March” every single time.If you own an S corp or LLC, pay attention. We talk practical realities for business owners, from what deductions still pass the laugh test to new wrinkles you have not heard about. We also dig into common mistakes with DIY tax software and why first-time accuracy is going to be shaky after a major code shift.We close with a September checklist you can run this week. W-2s, use the IRS withholding calculator. Business owners, sit down with your CPA or EA and your advisor. Adjust estimates. Map Roth conversions, HSAs, 529s, and risk management moves that help you get ahead of what is coming.Watch the full episode on YouTube: https://youtu.be/yp7ziDcCg0oAs always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!Twitter, FaceBook, Instagram, Tiktok, LinkedinDISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

How much you need to retire quiz: https://bit.ly/Adam-OlsonAvoid Retirement Taxes So Well It Feels Like Cheating8319121.1Most retirees unknowingly hand over 20–30% of their retirement income to taxes every year. But the truth is—smart retirees often pay less than 5%. The difference comes down to retirement tax strategies that are 100% legal, yet so effective they feel like cheating.In this video, I'll reveal how to avoid retirement taxes and build a tax-free retirement plan using strategies that go far beyond conventional advice. You'll learn:✅ The hidden retirement tax mistakes most people make, including RMD tax planning traps, Social Security tax strategies, Medicare IRMAA surcharges, and state income tax surprises that eat away at your savings.✅ Why traditional retirement tax advice often fails—and how tax-efficient retirement planning can save you thousands every year.✅ The power of the Roth conversion strategy to eliminate required minimum distributions and create lifetime tax-free retirement income.✅ How geographic arbitrage (moving to a tax-friendly state like Florida, Texas, or Nevada) can instantly save 5–10% of your income.✅ The overlooked benefits of municipal bonds that generate completely tax-free income and don't trigger Social Security taxes or Medicare surcharges.✅ Why the Health Savings Account (HSA) retirement strategy is the only account with triple tax advantages—and how to use it for healthcare and tax-free wealth building.✅ My complete Red Zone Retirement Plan framework that coordinates Roth conversions, state tax planning, municipal bond ladders, and HSAs into a powerful tax-efficient retirement strategy.All of these tax strategies are fully legal, built into the tax code, and proven to reduce lifetime tax burdens. Done correctly, they can transform your finances and create the confidence of a near-zero-tax retirement.

How much you need to retire quiz: https://bit.ly/Adam-OlsonAvoid Retirement Taxes So Well It Feels Like Cheating8319121.1Most retirees unknowingly hand over 20–30% of their retirement income to taxes every year. But the truth is—smart retirees often pay less than 5%. The difference comes down to retirement tax strategies that are 100% legal, yet so effective they feel like cheating.In this video, I'll reveal how to avoid retirement taxes and build a tax-free retirement plan using strategies that go far beyond conventional advice. You'll learn:✅ The hidden retirement tax mistakes most people make, including RMD tax planning traps, Social Security tax strategies, Medicare IRMAA surcharges, and state income tax surprises that eat away at your savings.✅ Why traditional retirement tax advice often fails—and how tax-efficient retirement planning can save you thousands every year.✅ The power of the Roth conversion strategy to eliminate required minimum distributions and create lifetime tax-free retirement income.✅ How geographic arbitrage (moving to a tax-friendly state like Florida, Texas, or Nevada) can instantly save 5–10% of your income.✅ The overlooked benefits of municipal bonds that generate completely tax-free income and don't trigger Social Security taxes or Medicare surcharges.✅ Why the Health Savings Account (HSA) retirement strategy is the only account with triple tax advantages—and how to use it for healthcare and tax-free wealth building.✅ My complete Red Zone Retirement Plan framework that coordinates Roth conversions, state tax planning, municipal bond ladders, and HSAs into a powerful tax-efficient retirement strategy.All of these tax strategies are fully legal, built into the tax code, and proven to reduce lifetime tax burdens. Done correctly, they can transform your finances and create the confidence of a near-zero-tax retirement.

Laura answers a question about costly HSA mistakes you should know and avoid.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT

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!Join host Bronson Hill for the 2024 Tax Strategy Summit webinar, featuring an expert panel sharing actionable tax strategies for passive investors and entrepreneurs.Courtney Moeller, a tax strategist at Diversified Investment Partners, specializes in oil and gas investments, offering 80-90% deductions against any income, even W2, with no real estate professional status required.James Rainwater CPA, founder of Rainwater CPA, advises entrepreneurs on business structures and tax planning, emphasizing proactive strategies like tax loss harvesting and oil and gas investments.Mark J. Kohler, CPA, attorney, and founder of Main Street Tax Pro, trains advisors nationwide and shares year-end tips like S-corp elections, family board meetings, and charitable remainder trusts for wealth preservation.Discover how to leverage bonus depreciation (potentially returning to 100% under President-elect Trump), oil and gas deductions, family office strategies, and charitable trusts to minimize taxes. Learn why proactive tax planning—through quarterly advisor meetings—is key to building wealth.TIMESTAMPS01:16 - Panel introductions: Courtney Moeller, James Rainwater CPA, Mark J. Kohler02:38 - Bonus depreciation: Will it return to 100% under Trump?05:45 - Oil and gas: Courtney on 80-90% deductions against any income07:00 - Year-end strategies: Mark on high earners' tax-saving options10:16 - Planning ahead: James on 2024 vs. 2025 tax strategies11:56 - Alternative investments: Solar, farmland, and beyond13:55 - Family office: Mark on tax-deductible board meetings15:19 - Hiring kids: James on shifting income to lower tax brackets17:35 - Courtney's approach: Paying kids in crypto, charitable donations19:29 - Roth IRAs: Mark on funding kids' tax-free wealth21:42 - When to hire a tax strategist: Mark and James on proactive planning25:58 - Sourcing deals: Courtney, James, and Mark on finding tax-advantaged investments30:58 - Mark's 10 year-end tax tips: S-corps, HSAs, 401ks, and more37:31 - Charitable trusts: James and Mark on CRUTs and multipliers41:02 - Courtney's advice: Find a CPA who invests and strategizes46:39 - Q&A: Side businesses, short-term capital gains, LLCs56:24 - Connect with the panelists57:57 - Wealth Forum and 2025 Investing Outlook Summit detailsConnect with the Guests:James Rainwater:Website: https://rainwatercpa.com/Courtney Moeller:Website: courtneymoeller.comLinkedIn: https://www.linkedin.com/in/csmoeller/Oil & Gas Report: http://oilandgasreport.net/Mark J. Kohler:Podcast: https://mainstreetbusinesspodcast.com/Youtube: https://www.youtube.com/@MarkJKohler/featuredWebsite: https://markjkohler.com/#TaxStrategy#PassiveInvesting#OilAndGas#BonusDepreciation#FamilyOffice#WealthBuilding#CharitableTrust

Generation X is often called the “forgotten middle child” between Boomers and Millennials, but with 65 million Gen Xers moving into their 50s and early 60s, they're facing a massive financial challenge: skyrocketing healthcare costs. In this episode of Friends Talk Money, Pam Krueger, Terry Savage, and Richard Eisenberg unpack why healthcare, not retirement savings, is now the #1 financial concern for Gen X. From high insurance premiums and long-term care to hidden out-of-pocket costs, we break down: Why Gen X is more worried about healthcare than retirement savings How rising costs are squeezing families still raising kids & saving for retirement What Medicare will and won't cover Smart planning tools: HSAs, catch-up contributions & employer health benefits Why fee-only fiduciary advisors can help Gen Xers plan ahead and avoid surprises If you're Gen X (or love someone who is), this is a must-listen to help prepare for a healthier, more financially secure retirement.  Links: This is Generation X's biggest retirement worry — and it's not money (MarketWatch) Gen X Is Headed for Retirement Crisis: 5 Ways To Avoid Being Part of the Trend (GoBankingRates) Three Things You Should Do – And Not Do – To Prepare For Your Retirement (Wealthramp) Health Savings Account (Terry Savage) Want to Retire at 67? See if You Can Answer These Five Questions (Kiplinger)

What happens when you hand the mic to Stackers? You get a mailbag episode loaded with real-life money challenges, surprising lessons, and a few “wait, what?” moments. Joe Saul-Sehy, OG, special guest Anna Allem (a CFP® with her own winding journey into the profession), and Neighbor Doug dig into your most pressing financial questions—no fluff, no jargon, and definitely no shortage of basement-style tangents. This week's listener lineup serves up a buffet of topics: how to turn an HSA into a stealth retirement account, whether a Roth conversion is the right move (and when), the tricky little details that make or break a trust, and what's happening in the ever-shifting world of auto insurance. Along the way, we get into the mental game of money—why positive thinking might be more than motivational fluff—and how planning isn't just about the plan on paper. From Anna's seasoned perspective to OG's no-nonsense approach and Joe's knack for cutting through the noise, you'll walk away with strategies you can actually use. Plus, we can't resist a detour into AI at the Wendy's drive-thru (yes, it's a thing), proving once again that money talk is always better when you leave room for curiosity. What You'll Learn This Episode: How to decide if a Roth conversion makes sense for your tax picture Ways to supercharge an HSA for long-term wealth (and not just medical expenses) Trust basics you might be overlooking—and why that could cost you. The latest trends in auto insurance and how they might affect your rates Why mindset matters just as much as math in building financial confidence Questions to Ponder (or Argue Over in the Basement) If you were starting an HSA today, how would you use it—medical safety net or stealth retirement account? Have you considered a Roth conversion? What's the one factor holding you back? When it comes to trusts, do you prefer to keep heirs in the loop or keep plans private until needed? How do you decide when to update your insurance coverage versus just shopping for a better rate? FULL SHOW NOTES: https://stackingbenjamins.com/questions-from-the-stacker-community-1730 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3269: Andrea Joy draws on her background in medical billing to demystify the often overwhelming process of choosing health insurance. She explains key terms like deductibles, copayments, and coinsurance while offering practical tips for evaluating plan options, considering supplemental coverage, and making the most of tools like HSAs or FSAs. Her personal story and professional insights highlight why informed choices can save you from financial hardship and give you peace of mind. Read along with the original article(s) here: https://savingjoyfully.com/blog/health-insurance-things-to-consider-when-choosing-your-coverage Quotes to ponder: "Unless someone else is covering you under their insurance plan this can be a very bad decision." "You cannot predict the future and this can be a very costly mistake." "Choosing insurance coverage is never something to take lightly but it doesn't have to confuse you every year or make you worry." Episode references: Health Savings Account (HSA) - IRS: https://www.irs.gov/publications/p969 Flexible Spending Account (FSA) - HealthCare.gov: https://www.healthcare.gov/flexible-spending-accounts Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3269: Andrea Joy draws on her background in medical billing to demystify the often overwhelming process of choosing health insurance. She explains key terms like deductibles, copayments, and coinsurance while offering practical tips for evaluating plan options, considering supplemental coverage, and making the most of tools like HSAs or FSAs. Her personal story and professional insights highlight why informed choices can save you from financial hardship and give you peace of mind. Read along with the original article(s) here: https://savingjoyfully.com/blog/health-insurance-things-to-consider-when-choosing-your-coverage Quotes to ponder: "Unless someone else is covering you under their insurance plan this can be a very bad decision." "You cannot predict the future and this can be a very costly mistake." "Choosing insurance coverage is never something to take lightly but it doesn't have to confuse you every year or make you worry." Episode references: Health Savings Account (HSA) - IRS: https://www.irs.gov/publications/p969 Flexible Spending Account (FSA) - HealthCare.gov: https://www.healthcare.gov/flexible-spending-accounts Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3269: Andrea Joy draws on her background in medical billing to demystify the often overwhelming process of choosing health insurance. She explains key terms like deductibles, copayments, and coinsurance while offering practical tips for evaluating plan options, considering supplemental coverage, and making the most of tools like HSAs or FSAs. Her personal story and professional insights highlight why informed choices can save you from financial hardship and give you peace of mind. Read along with the original article(s) here: https://savingjoyfully.com/blog/health-insurance-things-to-consider-when-choosing-your-coverage Quotes to ponder: "Unless someone else is covering you under their insurance plan this can be a very bad decision." "You cannot predict the future and this can be a very costly mistake." "Choosing insurance coverage is never something to take lightly but it doesn't have to confuse you every year or make you worry." Episode references: Health Savings Account (HSA) - IRS: https://www.irs.gov/publications/p969 Flexible Spending Account (FSA) - HealthCare.gov: https://www.healthcare.gov/flexible-spending-accounts Learn more about your ad choices. Visit megaphone.fm/adchoices

Brad and Ginger discuss the importance of asset flexibility, community building, and health savings accounts (HSAs). The conversation emphasizes maximizing contributions to HSAs while addressing financial conflicts that arise within relationships. Key Topics Discussed: Introduction and Community Building (00:00:00) Ginger shares her growing efforts to engage with the community and incorporate more fun activities into her life. Understanding HSA and Healthcare Expenses (00:32:00) The benefits of maxing out an HSA are discussed, highlighting the importance of using it strategically for long-term healthcare expenses. Importance of Asset Flexibility (00:19:00) The discussion covers the flexibility of different asset types and how this can affect financial independence strategies. Overcoming Financial Conflicts in Relationships (00:39:10) Strategies for couples to align financial goals and values while avoiding conflicts are outlined. Conclusion and Resources (00:57:10) Brad shares exciting new developments in the ChooseFI community and invites listeners to engage. Key Takeaways: Maximize HSA Contributions (00:32:00) Take advantage of tax-free growth in HSAs by maximizing contributions, as this can benefit long-term healthcare costs. Engage in Open Discussions (00:44:00) Successful financial planning requires transparent conversations about values and aspirations between partners. Explore Various Account Types (00:19:00) Have a mix of account types (taxable, Roth, traditional) for better flexibility and planning around future income and expenses. Quotes of Note: "Plan ahead to avoid complications later." (Brad, 00:39:00) "Building connections leads to a richer life." (Ginger, 00:05:50) "Your money is not trapped. It's just simply not." (Brad, 00:26:00) "Save for freedom, not deprivation." (Ginger, 00:48:00) "Engage in genuine conversations about finances." (Brad, 00:47:00) Chapter Markers: 00:00:00 Introduction and Community Building 00:32:00 Understanding HSA and Healthcare Expenses 00:19:00 Importance of Asset Flexibility 00:39:10 Overcoming Financial Conflicts in Relationships 00:57:10 Conclusion and Resources FAQs: How can I better communicate financial goals with my spouse? Engage in open discussions about values associated with finance and find common ground. (00:44:00) What are the benefits of maxing out an HSA? Maxing out HSA contributions allows for tax-free growth and withdrawals for qualified medical expenses. (00:33:00) Can I take money out of my retirement accounts before age 59 and a half? Yes, there are strategies that can allow you to access your funds early without penalties. (00:26:00) Related Resources: Risk Parity Radio (00:11:00) Ancestry.com (00:54:00) InsideTracker (00:53:00) Action Items: Join a local FI group to enhance community involvement. (00:03:39) Review your HSA contributions and expenses to maximize benefits. (00:32:00) Discuss financial goals with your spouse to reach consensus. (00:44:00) Discussion Questions: How can we balance spending and saving in our relationship? (00:44:00) What strategies can we use to engage more with our community? (00:01:00) How do we effectively allocate our finances towards asset flexibility? (00:19:00)

#243: Discover smarter strategies to grow your wealth and create financial flexibility. We dive into when it makes sense to invest beyond retirement accounts, how to access savings early through Roth conversions and 72(t) distributions, ways to reduce taxes with HSAs, tax-advantaged accounts, and charity, and so much more. Michael Kitces is the Head of Planning Strategy at Focus Partners Wealth, co-founder of XYPN and publisher of a continuing education blog for financial planners, Nerd's Eye View. Link to Full Show Notes: https://chrishutchins.com/smarter-savings-retirement-michael-kitces Partner Deals Mercury: Help your business grow with simplified finances Oceans: Best proactive global talent to level up your work and life OpenPhone: 20% off the first 6 months of your own business phone system DeleteMe: 20% off removing your personal info from the web Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Michael Kitces: Website | Focus Partners Wealth | XYPN Blog Posts The Four Phases Of Saving And Investing For Retirement 3 Types Of Retirement And Their Very Different Savings Strategies Supplemental Saving In An HSA For Retiree Medical Expenses IRA Aggregation Rule And Pro-Rata IRA Taxation Effective Backdoor Roth Strategy: Rules, IRS Form 8606 Strategies For Maximizing (Or Minimizing!) Rule 72(t) Early Distribution Payments Systematic Partial Roth Conversions & Recharacterizations 72t Distribution Calculator ATH Podcast Submit questions for AMA Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (00:53) Should You Max Out Your Retirement Accounts? (05:08) Investing in Your Career as a High-Return Strategy (09:55) Saving in a Taxable Account vs. Retirement Account (13:40) Tax Advantages of a Retirement Account vs. Brokerage Account (16:19) How to Think About Emergency Savings (18:06) Choosing the Best Retirement Accounts (24:21) Reimbursing Medical Expenses via HSA (27:02) Evaluating the Core Retirement Accounts (29:19) Nuances of the Backdoor Roth IRA (30:53) Traditional vs. Roth IRA (32:12) Why the Majority Shouldn't Worry About Tax Brackets (36:58) Roth Conversions in Low-Income Years (Sabbaticals) (39:52) Consolidating and Managing Old 401(k)s (42:05) Can You Access Retirement Funds via Roth Conversions? (42:44) Why Michael Doesn't Practice Roth Conversions Before Retirement (45:36) The Rules for 72(t) Distributions (48:35) Tackling the Account Sequencing Problem (52:16) Leveraging Charity for Tax Deductions (53:58) What Happens When You Leave Money to Your Kids (1:00:43) Where to Find Michael, His Work and Services Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tait Duryea and Ryan Gibson welcome Mat Sorensen, CEO of Directed IRA, for a powerful discussion on how pilots and high-income professionals can unlock private investment opportunities through retirement accounts. From self-directed IRAs to Solo Ks, Mat explains the mechanics of rolling over old 401(k)s, navigating recent regulatory changes, and tapping into lucrative private markets that were once out of reach. Mat Sorensen is the CEO of Directed IRA and Directed Trust Company, where he oversees thousands of self-directed retirement accounts including IRAs, Roth IRAs, HSAs, and Solo 401(k)s. He is also a senior partner at KKOS Lawyers and the bestselling author of The Self-Directed IRA Handbook. A recognized leader in the self-directed investing space, Mat has helped countless professionals leverage retirement accounts to access private investments and alternative assets.Show notes:(0:00) Intro(4:15) $44 trillion in U.S. retirement accounts(5:06) Trump's executive order on 401(k)s(10:03) Fewer public companies, more private options(20:13) IRAs vs. 401(k)s for private investing(26:05) Pilot story: confusion with mutual funds(28:37) Tax implications of IRA vs. cash(35:29) How Mat vets private dealsHelpful Links: Website: https://matsorensen.com Mat's PodcastsDirected IRA Podcast → https://directedira.com/education/#category-podcastsMain Street Business Podcast → https://www.mainstreetbusiness.com Alternative Asset Summit → https://www.altassetsummit.com (October 16–17 in Scottsdale, AZ)—Houston Bus Tour Registration: https://www.eventbrite.com/e/houston-self-storage-portfolio-bus-tour-tickets-1591575237379?utm_experiment=test_share_listing&aff=ebdsshios&sg=ed19105646f93b16506dd629ad293a6953b60f4c21904c87d174147bc25617d71f6099f588a1abb3a895fbbeef2578e057d6effbb7d6e124cd35f68fece2d51827faa0c5beabab7ede30c93969 — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

The power of Health Savings Accounts (HSAs) as a tool for both managing health expenses and building your retirement savings is often overlooked. On this episode, I'm sharing the basics of HSAs, highlighting their triple tax-free advantage, and explaining why they might be one of the best ways to maximize your retirement savings, even compared to more familiar accounts like IRAs and 401(k)s. I also unpack some important upcoming changes to HSAs thanks to the One Big Beautiful Bill Act, set to take effect in 2026. These changes expand HSA eligibility, especially for those on healthcare exchange plans and direct primary care memberships. Whether you're new to HSAs or looking to fine-tune your retirement strategy, my practical tips—like how to track reimbursements, invest your HSA funds wisely, and ensure you're making the most of every retirement planning opportunity.  You will want to hear this episode if you are interested in... [00:00] HSA contributions and eligible expenses. [03:33] HSA eligibility and individual plans. [07:27] HSA vs. 401(k) savings benefits. [12:10] HSAs and tax-free retirement reimbursements. [14:57] HSA contributions and Medicare Timing. [16:44] Top HSA provider tips. What is an HSA and Who Qualifies? Health Savings Accounts (HSAs) are often overlooked as powerful retirement planning vehicles. They are tax-advantaged accounts that allow individuals with high deductible health plans (HDHPs) to save and pay for qualified medical expenses. To be eligible, you must be enrolled in a qualifying HDHP; not all plans make the cut, so check with your insurer or employer to confirm eligibility. For 2025, annual contribution limits are $4,300 for individuals and $8,550 for families, with an additional $1,000 catch-up allowed for those age 55 and over. Both you and your employer can contribute, but the total combined contribution cannot exceed these limits. Triple Tax Advantage: The Unique HSA Benefit HSAs are the only accounts that offer a triple tax advantage: Pre-tax contributions: Contributions reduce your taxable income for the year, helping you save on federal and (in most cases) state income taxes. Tax-free growth: Money in your HSA can be invested, and all interest, dividends, and capital gains are tax-free while in the account. Tax-free withdrawals: Withdrawals used for qualified medical expenses remain tax-free, even in retirement. This makes HSAs one of the most tax-efficient savings vehicles available. HSAs as a Retirement Strategy While the primary purpose of an HSA is to cover medical expenses, its value extends far beyond that, especially for forward-thinking retirement planners. Many people cover their current medical out-of-pocket expenses with regular cash flow, allowing their HSA investments to grow tax-free for years, even decades. Upon reaching age 65, you are allowed to withdraw funds for non-medical expenses without penalty (although you will owe income tax, much like a traditional IRA). For medical expenses—including Medicare Part B, D, and Medicare Advantage premiums—withdrawals remain tax-free. However, Medigap policy premiums are not eligible for tax-free reimbursement from your HSA. A strategic approach can involve tracking your unreimbursed eligible medical expenses over the years. You can reimburse yourself in retirement with HSA funds for past qualified expenses, effectively turning your HSA into a tax-free retirement “bonus.” New HSA Legislation on the Horizon Looking ahead to 2026, recent legislative changes will further expand HSA eligibility and flexibility.  Expanded Access for Health Care Exchange Plans: Before 2026, only certain HDHPs on the healthcare exchange allowed HSA contributions. The One Big Beautiful Bill Act will enable individuals enrolled in any Bronze-tier plan through the health care exchange to qualify for HSA contributions, potentially making over 7 million more people eligible. Direct Primary Care Compatibility: Membership in direct primary care plans—where patients pay a monthly fee for enhanced access to primary care services—will now be compatible with HSA eligibility, subject to fee limits ($150/month for individuals, $300/month for families, indexed to inflation). Previously, participating in such plans disqualified individuals from contributing to HSAs. Common HSA Mistakes and Best Practices Investing your HSA balance (beyond a buffer for immediate health costs) can help you harness the benefits of compound growth over time. Compare fees and investment options among HSA providers to maximize long-term gains. Be mindful when approaching Medicare eligibility. HSA contributions must stop six months before you enroll in Medicare Part A, due to retroactive coverage. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  IRS List of Covered HSA Expenses Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! In this conversation, Scott Kirchner discusses the intricacies of Medicare, addressing common questions and misconceptions that seniors often have. He emphasizes the importance of understanding enrollment periods, the differences between Medicare parts, and the potential penalties for late enrollment. Additionally, he highlights overlooked questions that seniors should consider, such as the impact of HSAs and VA benefits on Medicare enrollment. The conversation concludes with details about an upcoming educational workshop aimed at providing further insights into Medicare benefits and changes. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.com See omnystudio.com/listener for privacy information.

Ever think, “If I just followed the playbook of the ultra-wealthy, I'd be set for life”? Turns out, that's exactly the kind of thinking that can lead you straight into the arms of a scammer. In this episode, Joe Saul-Sehy and OG break down the traps hidden inside the “invest like the 1%” mantra (and other similar phrases), complete with real-life cautionary tales, including a small-town Ponzi scheme that could've been ripped from a Netflix docuseries, and the spectacular belly flop of some YieldStreet real estate bets. But it's not all doom and gloom in the basement. You'll also get the scoop on a controversial proposal to let private equity sneak into your 401(k), practical tips for spotting shady pitches before they drain your wallet, and the reminder that a boring-but-solid financial plan beats a flashy scam every time. Plus, the guys field a listener question on long-term care insurance and unpack the often-overlooked basics of HSAs. Between headlines, trivia detours, and a dash of movie talk, this episode arms you with the street smarts to dodge the next “too good to be true” investment opportunity. It's a masterclass in protecting your money—without having to hide it under your mattress. The psychological tricks scammers use to lure in even savvy investors Why “invest like the 1%” can backfire for everyday Stackers How to evaluate alternative investments (and when to walk away) The risks and realities of adding private equity to retirement accounts Key questions to ask before buying long-term care insurance Why a strong, clear financial plan is your best defense against cons Questions to Ponder During Today's Show: Have you ever been tempted by an investment pitch that felt “exclusive”? Would you want private equity options inside your 401(k)? Why or why not? How do you decide whether an alternative investment is worth the risk? What's your personal “red flag” that makes you walk away from a deal? FULL SHOW NOTES: https://stackingbenjamins.com/how-to-avoid-common-rip-offs-1726 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode: tax planning strategies, financial independence, empowering women in finance, real estate investments, overcoming financial shame with Susan GeistEpisode SummaryAdam welcomes Susan Geist, a financial expert focused on empowering women to take control of their finances and achieve Financial Independence. They discuss various tax planning strategies, the importance of understanding different income buckets, and how women can navigate financial challenges. Susan shares her personal journey to Financial Independence and provides actionable insights for listeners seeking to improve their financial literacy.Guest BioSusan Geist is a financial expert and co-founder of Rising Femme Wealth, an organization dedicated to helping women achieve financial empowerment and independence. With a background in tax strategy and personal finance, Susan guides women in understanding their financial options and making informed decisions to create the lives they desire.Resources & Books Mentioned"Rich Dad Poor Dad" by Robert Kiyosaki"The Simple Path to Wealth" by JL CollinsGuest Contact InformationRising Femme Wealth: https://www.risingfemmewealth.com/Free Tax Smart Financial Independence Guide: http://www.risingfemmewealth.com/mindfulKey TakeawaysUnderstanding the three income buckets (active, portfolio, passive) is crucial for effective tax planning.Empowering women to take control of their finances is essential for achieving Financial Independence.Tax planning should be integrated into an overall wealth plan, considering personal values and lifestyle goals.Utilizing tax-advantaged accounts, such as 401(k)s and HSAs, can significantly impact long-term financial health.Real estate investments offer unique tax benefits, including depreciation and 1031 exchanges.Overcoming financial shame and taking proactive steps towards financial literacy is vital for women seeking empowerment.PS: Introducing the…

The future of Affordable Care Act (Obamacare) subsidies is a pressing issue for retirees and anyone shopping for health insurance on the ACA marketplace.  With the generous subsidies brought by the American Rescue Plan Act set to expire at the end of 2025, I break down exactly how these subsidies work, what changes are coming in 2026, and what that means for your wallet. We're talking eligibility thresholds, how income is calculated, why premiums might rise, and—most importantly—shares practical strategies for lowering your adjusted gross income to continue qualifying for subsidies as the rules tighten. Whether you're planning to retire before age 65 or just want to make sure you're making the most of affordable health options, this episode is packed with actionable advice to help you navigate the shifting health insurance landscape. Stay tuned to hear how you can prepare before the subsidy cliff arrives. You will want to hear this episode if you are interested in... [00:00] ARPA health subsidy set to expire. [06:48] Special enrollment eligibility criteria. [09:49] Estimate income for subsidy applications. [12:50] Retirement subsidy eligibility insights. [16:38] Managing income for post-2025 health subsidies. [19:50] Retirement planning and tax strategies. What Retirees Need to Know About Expiring Subsidies in 2026 For many Americans considering early retirement, one of the pressing concerns is the high cost of health insurance before Medicare eligibility kicks in at age 65. The Affordable Care Act (ACA), often called Obamacare, has provided critical subsidies—tax credits that reduce monthly health insurance premiums for individuals and families who earn between 100% and 400% of the federal poverty level (FPL). Thanks to these subsidies, many retirees have found coverage that's far more affordable than what existed before the ACA. These subsidies aren't static, however. Their availability, amount, and eligibility thresholds have changed over time, notably with the enhancements set by the American Rescue Plan Act (ARPA) during the pandemic. But much of that is set to change again at the end of 2025, and retirees need to understand what's at stake and how they can prepare. How ACA Subsidies Work Right Now Currently, the vast majority of people purchasing health insurance through the ACA marketplace receive premium assistance. As of 2024, 91% of the 21 million marketplace participants benefit from some kind of subsidy, according to the Centers for Medicare and Medicaid. These subsidies are calculated based on household income and size, and for now, thanks to ARPA, even those earning above the previous 400% FPL cutoff have been able to secure relief. The system works on a sliding scale: the higher your income (relative to the FPL), the lower your subsidy—and vice versa. For instance, a single retiree in most U.S. states falls under the subsidy limit if their Modified Adjusted Gross Income (MAGI) is less than $60,640 (400% of the 2024 federal poverty level). For a couple, that threshold is $84,600. The subsidies fill the gap between what the government deems an affordable percentage of your income and the cost of a benchmark “silver” marketplace plan. The Big Change: Subsidy Cliff Returning in 2026 A crucial point highlighted in episode 267 of Carolyn C-B's podcast with Ryan Morrissey: the most generous version of these subsidies, courtesy of the ARPA, will sunset at the end of 2025. We are about to return to a world where if your income exceeds 400% of the FPL by even just $1, you lose all subsidy assistance—an abrupt subsidy cliff. Previously, the ARPA smoothed this out, allowing gradual decreases rather than outright elimination at the cutoff. That made planning far simpler for retirees managing taxable withdrawals from savings or retirement accounts. Starting in 2026, the sudden loss of these subsidies at the income cliff could mean the difference between a manageable $400 monthly premium and a staggering $2,700+ for a similar plan. To add to the challenge, insurers anticipate higher premiums in 2026 as healthier enrollees fall off plans due to pricing and subsidy loss. Planning Strategies for Retirees With the looming subsidy cliff, retirees may need to rethink their approach to generating retirement income. Since eligibility is based on income, not assets, it's possible to have significant savings but low reportable income, qualifying you for subsidies. Key strategies include: Harvest Extra Income Before 2026: Consider accelerating IRA distributions, realizing capital gains, or selling assets in 2025 while subsidies remain generous. Build Up Liquid Assets: By moving assets into cash accounts before retirement, retirees can “live off” cash in years they need to keep income low, preserving subsidy eligibility. Utilize Roth and Home Equity Withdrawals: Roth IRA distributions (if held 5 years and owner is 59½ or older) don't count toward MAGI; home equity lines or reverse mortgages can also provide non-taxable funds. Make Use of Pre-tax Contributions: While still working, increase contributions to 401(k)s, IRAs, and HSAs—these lower MAGI and can be a tool for subsidy planning. Congress may choose to extend or reform these subsidies again, but as of now, retirees should assume the cliff is returning. If you plan to retire—and especially if you'll rely on individual ACA coverage before age 65—be proactive. Monitor federal updates, calculate your projected MAGI, and consult a knowledgeable financial advisor for personalized guidance. Open enrollment begins November 1st each year—make sure to check your state's marketplace for updated premiums and subsidy parameters for 2026. Planning now can safeguard your health and your finances through a rapidly changing insurance landscape. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  The Affordable Care Act (ACA) American Rescue Plan Act (ARPA) Centers for Medicare and Medicaid Services Access Health CT  Health Insurance Marketplace  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

This week, Andrew and I answer your money questions about the nitty-gritty of retirement planning, complexities of early retirement strategies, roth conversion ladders, what to do with your cash, common investing misconceptions, US vs. international stock investing, and more.Get the full show notes, show references, and more information here:  https://www.insideoutmoney.org/124-listener-qa-with-andrew-us-vs-international-investing-457b-plans-roth-conversion-ladders-when-to-stop-contributing-to-your-401k-tracking-hsas-expenses-and-more/

Quint and Logan talk about different healthcare plans including Medicare and HSAs.

Book a Call: https://directedira.com/appointment/Alternative Asset Summit Tickets: https://altassetsummit.com/#ticketIn this episode of the Directed IRA Podcast, Mat Sorensen and Mark Kohler unpack one of the most overlooked yet powerful tax-advantaged accounts available—the Health Savings Account (HSA). Often dismissed as a simple medical savings tool, the HSA actually offers a triple tax benefit: tax deductions for contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses—at any age.Mat and Mark explain how to qualify for and fund an HSA, the contribution limits for 2025 (including catch-up contributions), and why they rank the HSA alongside the Roth IRA as a top wealth-building priority. They also reveal how you can invest your HSA beyond savings accounts and mutual funds, using a self-directed HSA to buy assets like real estate, crypto, livestock, and private investments—keeping all gains in the account tax-free.Through real-life examples, including ranch cattle investments and rental properties, they illustrate how creative investors are compounding returns inside their HSAs for future medical costs. They also discuss strategic withdrawal planning—why delaying reimbursements can supercharge your tax-free compounding—and review what qualifies as a medical expense under IRS rules, from dental work and prescription drugs to service animals and long-term care premiums.If you've ever thought an HSA was just for paying your doctor bills, this episode will change your perspective and show you how to turn it into a dynamic, tax-free wealth-building vehicle.Chapters00:00 - Introduction to HSA Triple Tax Benefit02:09 - HSA Eligibility and Contribution Limits10:30 - Self-Directing Your HSA Investments16:14 - Livestock and Creative HSA Investments20:56 - Reimbursing Medical Expenses Strategically25:30 - Qualifying Medical Expenses and Planning30:15 - Final Tips and AltAsset SummitDirected IRA Homepage: https://directedira.com/Directed IRA Explore (Linktree): 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

Neal Shah didn't start out in life to change the healthcare system but after seeing the result of denied insurance claims in his own life, he set out to create a solution. Getting the coverage our premiums pay for shouldn't be an additional stressor added to the medical situation we are dealing with. Neal explains:How Consumers Can Use AI to Fight Claims - Insurance companies are weaponizing AI while doctors and patients are still using pen and paper. Neal outlines how patients can use tools available right now to appeal insurance claims and fight back.Your Healthcare Rights Playbook - Neal breaks down what patients and their advocates need to attain in simple layman's terms in order to best challenge insurance appeals.A Three-Layer Solution for American Healthcare - Neal shares his comprehensive approach for how healthcare can be improved in this country via universal catastrophic coverage, expanded HSAs and subscription-based healthcare models that can eliminate the insurance bureaucracy.Neal Shah is the CEO of CareYaya Health Technologies, a social enterprise and research lab advancing health equity for aging populations that was named one of America's Top 50 Startups in 2024. He also serves as Chairman of Counterforce Health, an AI platform for navigating insurance claim denials. His new book Insured to Death:How Health Insurance Screws Over Americans - And How We Take It Back is a searing exposé-meets-survival-guide, ripping the lid off America's denial-driven insurance machine that's bankrupting families and costing lives. Visit ConfidenceThroughHealth.com to find discounts to some of our favorite products.Follow me via All In Health and Wellness on Facebook or Instagram.Find my books on Amazon: No More Sugar Coating: Finding Your Happiness in a Crowded World and Confidence Through Health: Live the Healthy Lifestyle God DesignedProduction credit: Social Media Cowboys

Today Dr. Karl Hanson and Dr. Samia Suleman of Infinity Health Direct Primary Care in Kenner, Louisiana share about their DPC journey. They share their experiences transitioning from insurance-based models, and the evolution and benefits of DPC. Dr. Hanson and Dr. Suleman discuss the challenges of establishing and joining a DPC practice, their personal motivations, and the importance of physician autonomy. The episode also covers the partnership between the doctors, the structure of their practice, and their future plans, including efforts to educate medical residents about DPC. Additionally, the formation and goals of the Louisiana Direct Primary Care Coalition are highlighted, emphasizing the potential of DPC to transform healthcare across the state.Call in with your questions about how the "Big Beautiful Bill" affects HSAs and DPC. LEAVE A VOICEMAIL HERE.Get your copy of ELATION HEALTH'S HOW TO LAUNCH YOUR OWN DPC PRACTICE CHECKLIST. Get a practice audit and 80 FREE hours of VA work for your DPC with Cool Blue VA! Check out the latest Cool Blue VA Episode HERE!Schedule a demo with Cerbo today!Spruce Health: All-In-One Patient Co Hint Clinical: Run your dream practice with Hint's DPC softwareA-S Medication Solutions: medication management made simple for DPC. Learn more about JumpStart DPC Solutions: Marketing solutions modeled after DPC Elation Health. Empowering DPC practices to thrive through clinical-first innovation..See how at elationhealth.com.SmartHeart: THE 12-lead EKG for your DPC!Support the showBe A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today, we're joined by Carl Hall CFA, a wealth advisor at CapTrust who helps individuals and families manage their financial lives and achieve their unique goals. CapTrust specializes in delivering financial planning, portfolio management, and investment advice—helping clients navigate complex decisions with confidence. In this episode, Carl dives into the often-overlooked connection between healthcare decisions, price transparency, and retirement planning. From choosing the right health plan during open enrollment to understanding how HSA's can strengthen your retirement security, Carl breaks down how your medical choices today can significantly impact your financial freedom tomorrow. Key Topics Covered: 1. Making Smart Open Enrollment Decisions Why many people miss out on the optimal health plan and how to avoid common mistakes. 2. Understanding Health Plan Costs The real impact of premiums, deductibles, and co-insurance on your finances. 3. Affording Healthcare in Retirement Strategies to prepare for medical costs later in life. 4. The Shoeboxing Approach A practical method for tracking healthcare expenses. 5. FSA vs. HSA The key differences and why HSAs can be a powerful retirement tool. 6. Changes in the DPC Ecosystem What's new and how it affects both patients and providers. 7. Healthcare Price Transparency & Retirement Security How knowing the cost of care can protect your long-term finances. 8. Aligning Provider & Patient Interests Why DPC providers should have the same goals as their patients. Listener Takeaways: How your healthcare plan choice can directly impact your retirement savings. Why HSAs are a game-changer for long-term financial health. The value of price transparency in protecting your future wealth. How to align healthcare decisions with your financial freedom goals. Resources Mentioned: CapTrust Price Transparency Tools    Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Carl Hall CFA, Wealth Adviser at CapTrust

Kickstart your journey to a happier, earlier retirement with this high-energy episode of the Retire Sooner Podcast, where Wes Moss and Christa DiBiase tackle real listener questions and spotlight flexible strategies that could help you build a more confident retirement plan. Whether you're in your 40s, 50s, or beyond, get motivated to consider meaningful actions—starting now. • Jump-start your savings approach in your 40s and 50s, even if you're just beginning to focus on retirement. • Unlock the “50+ Retirement Catch-Up Toolbox” with tools like Roth conversions, HSAs, and enhanced contribution limits. • Discover what's ahead with new “super catch-up” contribution rules and upcoming IRS changes that may impact your planning. • Maximize your Social Security outlook by understanding how the timing of withdrawals could influence your benefits. • Hear how annuities and home equity were discussed as potential components in long-term financial planning. • Tune in to real-world stories from listeners managing late-in-life parenting, mortgages, and the pursuit of financial independence. • Reconsider the risks and rewards of penny stocks with a balanced conversation about their place in a retirement portfolio. • Weigh the role of pensions in your overall asset allocation for a more personalized investment approach. • Rethink your withdrawal game plan with a closer look at the 4% rule—its origins and relevance today. • Confront concerns around global exposure by reviewing how emerging markets and China-related investments might affect your portfolio. • Strengthen your retirement mindset with income-focused planning designed to help support a more stable financial future. Get energized with actionable ideas and relatable stories that help make retirement planning feel more approachable.

This week on Faisel and Friends, we are discussing Beyond the Copay: DPC, HSAs, and the Politics of Change. Faisel and Dan are talking with Jay Keese: CEO of Capitol Advocates and Executive Director of the Direct Primary Care Coalition (DPCC).Our conversation explores meaningful changes to healthcare delivery, groundbreaking achievements in IRS policy, and advice for leveraging law to provide more personal patient experience and better outcomes.Learn more at www.dpcare.org

In this episode of the My DPC Story Podcast, Dr. Ricky Haug joins Maryal as they dive into the latest trends in Direct Primary Care (DPC) technology, fresh from the 2025 DPC Summit. The focus is on the "Battle of the EHRs," where Dr. Haug, an experienced DPC physician with a multi-location, multi-provider practice, shares his firsthand insights on choosing and optimizing Electronic Health Records (EHR) systems for DPC clinics. The discussion covers key findings from the DPC Summit's EHR survey, highlighting what features doctors value most, such as ease of use, patient communication, AI integration, and workflow efficiency. The conversation also touches on common challenges, tech stack evolution, patient portal satisfaction, and the importance of adopting DPC-focused solutions to enhance both patient and staff experience. Whether you're launching a new practice or scaling up, this episode provides practical advice for navigating EHR decisions in DPC, making it a must-listen for physicians seeking to streamline operations and improve patient care. For full survey results and resources, visit mydpcstory.com/magazine.Call in with your questions about how the "Big Beautiful Bill" affects HSAs and DPC. LEAVE A VOICEMAIL HERE.Get your copy of ELATION HEALTH'S HOW TO LAUNCH YOUR OWN DPC PRACTICE CHECKLIST. Get a practice audit and 80 FREE hours of VA work for your DPC with Cool Blue VA! Check out the latest Cool Blue VA Episode HERE!Schedule a demo with Cerbo today!Spruce Health: All-In-One Patient CoSupport the showBe A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

Key changes in tax law related to the newly passed One Big Beautiful Bill significantly impact the financial independence (FI) community. Notably, the extension of tax rates and the higher standard deduction provide more planning certainty for early retirees, allowing greater financial management under these new regulations. Brad & Sean Mullaney discuss the critical tax provisions like enhanced charitable contribution deductions for non-itemizers, updates to state and local tax deductions, and the introduction of a senior deduction for retirees. They also explore strategies for maximizing premium tax credits starting in 2026.   Disclaimer Sean's discussions on the ChooseFI podcast and articles and messages published on ChooseFI.com are intended for general educational purposes and are not tax, legal, or investment advice for any individual. The ChooseFI podcast and its owners, employees, and agents do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc., or their services.   Key Topics Discussed: Introduction to the New Tax Bill 00:00:00 Overview of the One Big Beautiful Bill and its significance for the FI community. Impacts of Extended Tax Rates 00:02:20 Explanation of the permanence of the tax rates and the increased standard deduction. Changes to Charitable Contributions 00:13:12 Details on new deductions for non-itemizers and adjustments to itemized deductions. State and Local Tax Deduction Update 00:23:26 Increase of deductible cap from $10,000 to $40,000, impacting itemization strategies. Exploration of the Senior Deduction 00:30:05 Introduction of a $6,000 deduction aimed at seniors aged 65 and older. Understanding Premium Tax Credits 00:39:10 Strategic planning opportunities utilizing bronze ACA plans and HSAs to maximize tax benefits. Actionable Takeaways: Maximize Your Standard Deduction: Consider traditional contributions to optimize your tax situation. 00:10:15 Utilize Bronze ACA Plans: Start in 2026 to lower premiums and leverage HSA contributions for enhanced tax benefits. 00:42:07 Key Quotes: "The new standard deduction is a game-changer for those pursuing financial independence." 00:08:46 "These are crucial planning implications that can optimize your tax situation." 00:17:36 "Shift your income from high tax brackets to the 0% tax bracket for maximum savings." 00:12:19 Timestamps: 00:00:14 - Importance of premium tax credits for the FI community. 00:03:05 - Risk of the standard deduction decreasing without the new law. 00:10:15 - Optimizing tax situation with traditional contributions. 00:14:00 - Details on the charitable contributions deduction. 00:25:19 - Update on the state and local tax deduction cap. Related Resources: YouTube Video on Premium Tax Credits: Watch Here [Timestamp: 00:45:00] Cody Garrett and Sean Mullaney's Book Notification: Sign Up Here [Timestamp: 00:59:35] Discussion Questions: How does the new tax bill affect your approach to retirement planning? 00:00:10 What strategies can be adopted to make the most of the new standard deduction? 00:10:15 Summary: This episode dives into the legislative changes that may significantly influence financial planning for those aiming for early retirement. By understanding the implications of the One Big Beautiful Bill, listeners can better navigate their financial futures.

In this special episode of the My DPC Story podcast, host Dr. Maryal Concepcion sits down with Dr. Natalie Gentile live from the DPC Summit in New Orleans. They delve into the principles and advantages of Direct Primary Care (DPC) and discuss Dr. Gentile's journey in lifestyle medicine and her innovative approach in helping new physicians transition into DPC. The conversation underscores the importance of mission-driven work, community collaboration, and the entrepreneurial opportunities available to physicians in the DPC model. The episode also highlights various resources and support available for DPC practitioners and patients alike.Direct Care Physicians of Pittsburgh HERECARING DIRECTLY: ADD YOUR CLINIC TO THE PHYSICIAN-ONLY DPC MAPPER HEREThe DPC Directory (like Yelp, but for DPC) HEREMy DPC Story Resources PageCall in with your questions about how the "Big Beautiful Bill" affects HSAs and DPC. LEAVE A VOICEMAIL HERE.Get your copy of ELATION HEALTH'S HOW TO LAUNCH YOUR OWN DPC PRACTICE CHECKLIST.Support the showBe A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3222: Sean Mullaney offers four strategic approaches to reduce your exposure to inflation, including savvy tax planning, leveraging low-interest debt, maximizing travel rewards, and making spending choices that minimize future costs. With a unique lens on how current decisions shape future financial burdens, he encourages a balanced mix of retirement accounts and intentional living to stay ahead of inflation's bite. Read along with the original article(s) here: https://fitaxguy.com/2022/06/ Quotes to ponder: "Getting money into Roths and HSAs excuses future growth from taxation, including growth attributable to inflation." "Inflationary environments are great for debtors, particularly those debtors who have locked in a low interest rate for a long term." "You can use today's spending to reduce your exposure to future inflation." Episode references: Camp FI: https://campfi.org/ Mark's Money Mind: https://marksmoneymind.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we are answering a questions about HSAs. We spend time really getting into the details of what an HSA is, who might want to use it when, contribution limits, and what the pros and cons of using an HSA are. We also answer a question about the thrift savings plan and what to do with your retirement accounts when transitioning into active duty in the military. 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