Podcasts about hsas

Are you unsure where your money should go after payday? This episode breaks down the essential accounts every household needs, busts common myths about credit cards and savings, and offers real-life strategies for stress-free finances. Whether you're just starting your financial journey or looking to optimize your money management, this conversation is your toolkit for financial clarity and confidence.Key Moments & TakeawaysWhy Multiple Accounts Matter: Discussion about the logic behind account diversification 02:09.Credit Cards Are NOT Emergency Funds: A firm warning against using credit cards as savings and why it's a risky move 02:44.Checking & Savings Fundamentals: The foundational role of checking accounts (even with peer-to-peer apps) and the importance of a nearby savings account 03:37.High-Yield Savings: Why it's smart to keep part of your emergency fund in a high-yield account and what to watch for with access and interest rates 06:26.How Much to Save for Emergencies: Recommendations for emergency funds from 3–12 months of expenses and how strategies change based on life phase 09:00.The “Non-Monthly” Account: A game-changing strategy for handling annual or irregular expenses like insurance, car registrations, and taxes 11:16.Retirement Roadmap: Employer-sponsored plans (401k/403b/SEP), maximizing matches, and the difference between pre-tax and Roth accounts 18:02, 20:05.Traditional IRA “Dump Fund”: Why rolling over old 401k balances into a traditional IRA gives greater control and investment options 26:55.Health Savings Account (HSA): Unique benefits, tax savings, and using HSAs as a retirement tool 30:58.Brokerage Accounts & Early Retirement: How taxable accounts add flexibility for big goals or bridging the gap before retirement 34:15.Why You Should ListenThis episode is packed with actionable advice, real examples, and honest conversations about the why behind smart money moves. You'll leave knowing exactly which accounts deserve your attention and how to reduce financial stress while preparing for life's curveballs. If you want to feel more in control of your finances, this discussion is a must-listen.Who This Episode Is For:Young professionals setting up their first accountsCouples looking to improve household money managementAnyone feeling overwhelmed by financial account optionsIndividuals planning for debt payoff, emergency savings, or retirementListeners seeking practical, step-by-step guidance to building wealth This Podcast is sponsored by American Heritage Credit Union. To learn more and open an account go to: www.AHCU.co/ForBetterandWorthOur website: www.forbetterandworth.comGet Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlightConnect with us:Instagram: @forbetterandworthYouTube: @forbetterandworthEricka: @erickayoungofficialChris: @1cbyoung

Health Savings Accounts are often praised as one of the most powerful tax-advantaged savings tools available, but accumulating assets is only half the equation. The “Henssler Money Talks” hosts explore how retirees can strategically use HSA balances, when it makes sense to pay medical expenses from other accounts, and why these accounts can create unexpected tax consequences for heirs. Because with HSAs, sometimes the challenge isn't building the balance — it's developing a plan to use it effectively.Original Air Date: June 20, 2026Read the Article: https://www.henssler.com/how-an-hsa-can-become-a-source-of-tax-free-retirement-funds  

Major events, market narratives, and retirement planning may seem like completely different topics, but they all share a common theme: understanding the forces that shape financial outcomes before they show up in your portfolio.The FIFA World Cup is bringing the world's attention to the United States, but some of the biggest winners may never step onto the field. From hotels and restaurants to transportation providers and local businesses, we'll examine how major sporting events generate economic activity, who benefits most from the influx of visitors, and whether the long-term economic impact lives up to the promises often made by host cities.We'll also look at several stories dominating the headlines — from SpaceX's first week of trading, developments in the Iran conflict, and Kevin Warsh's first Federal Reserve meeting — and discuss why markets increasingly respond to sentiment, geopolitics, and cultural events alongside traditional economic data. Finally, Health Savings Accounts are often praised as one of the most powerful tax-advantaged savings tools available, but accumulating assets is only half the equation. We'll explore how retirees can strategically use HSA balances, when it makes sense to pay medical expenses from other accounts, and why these accounts can create unexpected tax consequences for heirs. Because with HSAs, the real challenge isn't building the balance — it's developing a plan to use it effectively.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — June 20, 2026  |  Season 40, Episode 25Timestamps and Chapters6:25: The World Cup Effect: Winners Beyond the Pitch25:19: SpaceX, Spectacles, and Sentiment43:21: When Should You Spend Your HSA?Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

Thanks to Surfshark for sponsoring the show. Go to https://surfshark.com/stackingb or use code STACKINGB at checkout to get 4 extra months of Surfshark VPN!Isaac Newton was one of the smartest humans who ever lived. He also bought into the South Sea Bubble, sold for a profit, watched it keep climbing, bought back in out of pure FOMO, and rode it all the way down to an 80% loss that haunted him until he died. Ben Carlson, co-host of the Animal Spirits podcast and one of the sharpest minds at Ritholtz Wealth Management, joins Joe and Anna to walk through centuries of market history -- bubbles, crashes, and the psychology that makes smart people do dumb things with money. Anna also helps a Stacker named Louie untangle his 401(k) sources and figure out whether it's finally time to bring in a professional.What You'll Walk Away WithWhy Isaac Newton's South Sea Bubble loss still ranks among history's most instructive investing failures -- and why it had nothing to do with intelligenceBen's framework for why risk means something completely different depending on where you are in your life cycle -- and why a market crash genuinely doesn't matter the same way to a 25-year-old and a 55-year-oldThe wrong lesson an entire generation learned from 2008 -- and why everyone preparing for the last crisis missed the next seventeen years of bull marketWhy Japan's three-decade stock market bubble is the best real-world case for diversification -- and why it doesn't translate as cleanly to the US as people assumeThe behavioral reason complex investment strategies are easy to sell and nearly impossible to hold through a downturn -- while simple strategies survive the painWhy Ben's firm discovered that the hardest financial transition isn't saving for retirement -- it's actually learning to spend the money once you get thereThe Beanie Babies divorce court story that perfectly captures what every bubble looks like from the outsideAnna and OG's take on Louie's four-source 401(k): why it's simpler to manage than it looks, and why "move everything to Roth" is the wrong instinct for most DIY investorsThe Roth conversion icing-on-the-cake strategy: how to use pre-tax and Roth buckets together to manage your tax bracket year by year in retirementWhy one financial pro has a surprisingly negative take on HSAs at death -- and the timing problem that makes spending one down in retirement genuinely trickyWhy This Matters NowEvery market cycle feels unprecedented while you're living through it. Understanding the actual constant -- human psychology, not headlines -- is the difference between riding out volatility and becoming a cautionary tale, smart as you might be.From the BasementBen Carlson joins Joe and Anna to walk through centuries of bubbles, crashes, and the psychological wiring that makes both geniuses and ordinary investors do the same dumb things. Doug arrives with Statue of Liberty trivia tied to America's upcoming 250th anniversary. A Stacker calling himself Louie -- and getting Anna instead of OG, much to his surprise -- asks for help simplifying his 401(k) and figuring out his Roth conversion strategy, and gets a reminder that he's already doing better than he thinks.Resources MentionedRisk and Reward: How to Handle Market Volatility and Build Long-Term Wealth by Ben Carlson -- available wherever books are soldAnimal Spirits podcast -- Ben Carlson and Michael Batnick; available wherever you listen to podcastsRitholtz Wealth Management -- referenced for prior guests Barry Ritholtz, Josh Brown, and Nick MaggiulliWhere Are the Customers' Yachts? by Fred Schwed -- referenced for the famous quote on the emotional experience of losing moneyPaul Merriman's research on asset allocation -- paulmerriman.comStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins voicemail line -- stackingbenjamins.com/yelldownstairsStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What if saving money didn't require giving up the things you enjoy—but simply changing how you manage what you already earn? The truth is, small, intentional habits can quietly build significant wealth over time. By putting the right systems in place, you can make saving feel effortless instead of overwhelming.  Links: Track your savings goals with Goal Builder Explore some other saving challenges to make saving fun Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Saving money doesn't have to feel restrictive. With the right strategies you can steadily build financial security without drastically changing your lifestyle. Whether you're just getting started or looking to improve your current habits, these 5 practical approaches can help you save more efficiently and consistently.  Number 1: Automate savings with direct deposit.  One of the simplest and most effective ways to save money is to remove the need for decision-making altogether. Automating your savings ensures that a portion of your income is set aside before you have the chance to spend it.  Many employers allow you to split your direct deposit into multiple accounts. By directing a percentage of each paycheck into a dedicated savings account, you create a "pay yourself first" system. This method builds savings effortlessly and reduces the temptation to spend.  Even small automated contributions of 5-10% or $25-$50 a paycheck can add up significantly over time, especially when paired with interest-earning accounts.   Number 2: Set up a savings goal tracker.  Having a clear savings goal gives your efforts purpose and direction. Whether you're saving for an emergency fund, a vacation, or a large purchase, tracking your progress helps you stay motivated.  A savings tracker can be as simple as a spreadsheet, mobile app, or visual chart. For more sophisticated tracking try an online banking tool like Triangle's Goal Builder tool within online and mobile banking. Seeing your progress grow over time reinforces positive financial behavior and keeps you accountable.  To make tracking more fun, break your larger goals into smaller milestones. For example, instead of focusing on saving $10,000, focus on and celebrate reaching every $1,000 mark. These smaller wins make the process feel achievable and rewarding.  Number 3: Try a savings challenge.  Savings challenges are a fun and structured way to build momentum. They turn saving into a game, making it more engaging and less of a chore.  Popular challenges include:  The 52-week challenge, where you gradually increase your savings each week or save a certain amount of money each week for a whole year The no-spend challenge, where you limit discretionary purchases for a set period The round-up method, where purchases are rounded up and the difference is saved The 100-envelope challenge, where you save a specified dollar amount in every envelope until they're all filled  These challenges not only boost your savings but also increase awareness of your spending habits. Over time, they can help you develop long-term discipline and smarter financial choices.  For more ideas on additional savings challenges visit triangleuniversity.org or follow the link in the show notes.   Number 4: Seek out high-yield savings accounts.  Not all savings accounts are created equal. Traditional accounts often offer minimal interest, while high-yield savings accounts provide significantly better returns.  By keeping your money in a high-yield account, you allow your savings to grow passively through compound interest. Even modest interest rates can make a noticeable difference over time, especially with consistent contributions.  When comparing accounts, consider:  Interest rates (APY) Fees Minimum balance requirements to open the account or earn interest Ease of access  Choosing the right high-yield savings account ensures your money is working as hard as you do.  Number 5: Make use of employer benefits like FSAs and HSAs.  Employer-sponsored benefits such as Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) can be powerful tools for saving money, particularly on healthcare expenses.  These accounts allow you to set aside pre-tax income, effectively reducing your taxable income and increasing your take-home value. HSAs, in particular, offer long-term advantages since unused funds can roll over year after year and even be invested.  By planning for expected medical costs using these accounts, you can avoid dipping into your regular savings and maximize your financial efficiency.  Saving money effectively isn't about making drastic sacrifices—it's about building smart, sustainable habits. By automating your savings, tracking goals, engaging in challenges, maximizing interest, and leveraging available benefits, you can steadily grow your financial security.  Start small, stay consistent, and remember: every dollar saved is a step closer to your financial goals.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

In this episode: IRS call strategies – A tip for getting through when the IRS won't accept calls • Tax identity theft – How fraudsters file returns using stolen Social Security numbers • Qualified Small Business Stock (QSBS) – A little-known tax exclusion that could eliminate gains for eligible investors • IRS First-Time Abatement – An automated penalty relief process coming soon for late filers • Investment fee deductibility – Why individuals can no longer deduct these fees, but businesses still can • IRS interest rate increases – Higher rates on underpayments and overpayments starting Q3 2026 • 2026 W-2 changes – New codes to identify deductible tips and overtime pay • SALT cap – The $40,000 state and local tax deduction limit reaffirmed through 2029 • 2027 HSA limits – Contribution limits going up, with a reminder of the long-term savings benefits

Small tax mistakes can cost you thousands, even when you think you're doing everything right.From missing a filing deadline to misunderstanding how a deduction works, small errors can quickly turn into penalties, lost deductions, and a higher tax bill.In this episode, Mike answers real tax questions from small business owners covering gambling losses, BOI reporting, moving an S corporation to another state, the Augusta Rule, HSAs, late 1099s, estimated tax penalties, startup expenses, vehicle write-offs, and more. He breaks down the rules, explains the available options, and shares practical steps to help you stay compliant and avoid costly tax mistakes.

Nicole is joined by journalist and podcast host Nayeema Raza, host of Smart Girl Dumb Questions, for a crossover episode! This is a shame-free conversation about the money questions we're all holding in, starting with perhaps the most loaded one of all: should you buy a home? Nicole breaks down the 5% rule for renting vs. buying, why she personally chose not to buy, and how to strip the emotion out of a decision that's usually anything but. She also answers common questions about debt, HSAs, growing generational wealth and more. Plus, Nayeema and Nicole talk about which expenses are worth going into debt for, and what Mark Cuban told Nayeema about how money can make you feel poorer the wealthier you become. Listen to Nayeema's podcast Smart Girl, Dumb Questions Check out Nicole's financial literacy course The Money School Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Here's what Nicole covers with Nayeema:  00:00 Are You Ready for Some Money Rehab?  01:17 Nicole's Controversial Take on Homeownership  04:44 The 5% Rule: Rent vs. Buy Math  08:37 Why Nicole Chose to Rent (And Invest the Difference)  12:30 How the LA Fires Changed Nicole's Relationship to Home  17:00 Not All Debt Is Created Equal: Good Debt vs. Bad Debt  20:02 What Rich People Know About Leverage  24:03 How Nicole Got Into (and Out of) Credit Card Debt  25:51 Avalanche vs. Snowball: Which Debt Payoff Method Wins?  28:09 The Shame Cycle Keeping People Stuck in Debt  29:18 The Debt Game: What's Worth It?  34:35 Investing in Your 20s: Nicole's Biggest Regret  36:27 Nicole's Daughter's Investment Portfolio  37:15 HSAs, 401(k)s, and Where to Put Your Money First  38:39 How Do You Know If You're Rich?  41:26 Mark Cuban on How Money Can Make You Feel Poorer  42:34 Nicole's "Dumb" Question  All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Most investors lose to the market because they're trying to pick winners in a game where only 4% of stocks have created 100% of market wealth over the past century. The math isn't in your favor—but there's a simpler path that is. Key Topics Discussed Introduction to FI 201 (00:00:00) Jonathan introduces the concept of Financial Independence 201, explaining how it builds on FI 101 to help individuals progress from control to optimization and independence on their FI journey. The Genesis of FI 201 (00:05:30) Allen and Kristen explain how they identified the need for a 201-level presentation based on questions emerging from their St. Louis FI 101 sessions, particularly around investing concepts. Asset Allocation Fundamentals (00:15:00) Allen breaks down asset allocation as 'your money pie,' discussing how to balance growth, safety, and emergency funds while considering time horizons and diversification strategies. Risk Tolerance vs Risk Capacity (00:22:00) The team explores the critical difference between emotional risk tolerance and actual risk capacity, using examples from 2008 and 2020 market crashes to illustrate real-world application. Tax-Advantaged Account Strategies (00:35:00) Allen and Brad discuss the various tax treatments of investment accounts including 401(k)s, 457(b)s, Roth IRAs, HSAs, and taxable brokerage accounts, emphasizing lifetime tax optimization. Individual Stocks vs Index Funds (00:48:00) The hosts examine the data on individual stock picking, revealing that only 4% of stocks have contributed to 100% of market wealth over the past century, making a strong case for index investing. Dividends and Tax Control (00:55:00) Brad and Allen discuss why the FI community often prefers capital gains over dividend income, focusing on the importance of maintaining control over when and how you realize taxable events. Notable Quotes "You can't save your way to FI, you have to invest." — Allen Hansen "When there's a dip, you essentially get to buy the market on sale. If you love a bargain, this is it." — Brad Barrett "Why in the world do we not think that way when it comes to the market? Our brain completely flips. We're like, ah, we're scared." — Kristen Knapp "It's not what's my tax this year. It is what is going to be my tax burden over my lifetime." — Brad Barrett "The best investing lesson: stand there and do nothing. If you're invested, just don't do anything and you're going to be rewarded." — Allen Hansen Key Takeaways Assess your own risk tolerance and risk capacity honestly by considering how you would react to a 30% portfolio drop Review your current asset allocation across all accounts and determine if it aligns with your time horizon and financial goals Calculate the difference between your marginal and effective tax rates to understand your true tax burden Identify which tax-advantaged accounts you have access to (401k, 457b, 403b, HSA, IRA) and ensure you're maximizing employer matches Track every dollar of taxable income if you're on ACA subsidies or approaching any subsidy cliffs to avoid losing benefits Consider whether you have the right balance between taxable, tax-deferred, and tax-free accounts for maximum flexibility in retirement Join or start a local FI group to benefit from community wisdom and learn from others at different stages of the journey Review your portfolio for dividend-heavy investments and consider whether you'd prefer more control over when you realize taxable events Resources & Links FI Friends Travel The Simple Path to Wealth by J.L. Collins Tax Planning to and Through Early Retirement by Sean Mullaney and Cody Garrett ChooseFI Community App St. Louis FI Group BlackBerry Documentary (Netflix) Arizona State University Stock Market Wealth Study Brian Feroldi (individual stock investing advocate) Investopedia

Don records through a booming Florida thunderstorm while tackling five listener questions. He discusses a thoughtful strategy for using a UTMA account to teach investing and potentially fund a future Roth IRA, then provides a detailed overview of what goes into a true financial plan, including cash flow analysis, insurance, estate planning, tax strategy, retirement projections, and investment management. Another listener asks about investing for a long life, prompting Don to explain why maintaining a diversified portfolio and spending less than portfolio growth are the keys to retirement sustainability. He also addresses when retirees might safely move from a 4% withdrawal rate toward 5%, emphasizing flexibility over rigid rules. The episode concludes with a discussion of HSAs, explaining why they are often better spent during retirement rather than left to non-spousal heirs, who may face less favorable tax treatment.0:04 Florida thunderstorm opening and update on the new podcast website and question system2:35 Using a UTMA account as a teaching tool, harvesting gains for a child, and eventually funding a Roth IRA4:47 What a comprehensive financial plan actually includes beyond investments6:14 Gathering financial data, setting goals, cash flow analysis, and risk management7:42 Asset allocation, diversification, Monte Carlo simulations, and behavioral coaching8:28 Retirement planning, Social Security timing, Roth conversions, RMDs, and tax strategies10:23 Listener crediting the show for retirement confidence and asking about investing for longevity12:37 Why spending less than portfolio growth is the key to long-term retirement success14:15 Whether a 4% withdrawal rule can become 5% later in retirement15:45 Fixed versus flexible withdrawal strategies and how age affects sustainable spending17:49 HSA withdrawal decisions in retirement and inheritance considerations19:31 Why HSAs generally should be spent rather than preserved for non-spousal heirs20:52 Meet-an-Advisor invitation and how portfolio reviews can uncover hidden risksQuestions? Comments? Click!

What if real estate investing didn't have to mean owning the property, managing tenants, or taking repair calls? That's where this conversation starts. Dr. Felecia Froe sits down with Fred Moskowitz, educator, bestselling author, fund manager, and industry veteran in note investing. Fred explains how he first learned the power of income-producing assets from an unlikely mentor, why relying on a paycheck alone can be risky, and how mortgage notes allow investors to step into the role of the lender. They talk about what note investing actually is, how it differs from owning rental properties, and why it can be a powerful way to build cash flow without being as hands-on as traditional real estate. Dr. Felecia also asks the practical questions many listeners may be wondering: What is a note? What is a lien? Can individual investors buy notes? How do note funds work? And how can retirement accounts or health savings accounts be used to invest in this asset class? This conversation is a reminder that the more you understand, the better questions you can ask before putting your money anywhere. 00:04 – Fred's Money Story and the Entrepreneurial Bug 07:20 – Why a "Stable Job" Wasn't Really Stable 10:10 – The Mentor Who Changed How Fred Saw Wealth 13:20 – Learning From the Right Rooms 15:45 – Why Fred Shifted From Rental Properties to Notes 18:05 – What Is a Mortgage Note? 21:22 – Understanding Liens and Clear Title 26:16 – Can Individual Investors Buy Notes? 30:41 – How Investors Can Participate in Note Investing 34:27 – How Note Funds Pay Investors 36:36 – Using Retirement Accounts and HSAs for Note Investing 40:10 – Fred's Book " The Little Green Book of Note Investing"   Ready to take the next step?   Connect with us today: Website: moneywithmission.comLinkedIn: https://www.linkedin.com/in/moneywithmission/   Connect with Fred Moskowitz! LinkedIn: https://www.linkedin.com/in/thefredmoskowitz Instagram: https://www.instagram.com/thefredmoskowitz/ Book: The Little Green Book of Note Investing Gift:  giftfromfred.com   Key Quotes: "Relying on the paycheck from my job as my only source of income, I was taking on this huge risk." - Fred Moskowitz   "The work you do from your job, it kinda supports your life, but when you get involved in investing, investing in assets that generate income for you and appreciate over time, that's what really generates wealth." - Fred Moskowitz

What if real estate investing didn't have to mean owning the property, managing tenants, or taking repair calls? That's where this conversation starts. Dr. Felecia Froe sits down with Fred Moskowitz, educator, bestselling author, fund manager, and industry veteran in note investing. Fred explains how he first learned the power of income-producing assets from an unlikely mentor, why relying on a paycheck alone can be risky, and how mortgage notes allow investors to step into the role of the lender. They talk about what note investing actually is, how it differs from owning rental properties, and why it can be a powerful way to build cash flow without being as hands-on as traditional real estate. Dr. Felecia also asks the practical questions many listeners may be wondering: What is a note? What is a lien? Can individual investors buy notes? How do note funds work? And how can retirement accounts or health savings accounts be used to invest in this asset class? This conversation is a reminder that the more you understand, the better questions you can ask before putting your money anywhere. 00:04 – Fred's Money Story and the Entrepreneurial Bug 07:20 – Why a "Stable Job" Wasn't Really Stable 10:10 – The Mentor Who Changed How Fred Saw Wealth 13:20 – Learning From the Right Rooms 15:45 – Why Fred Shifted From Rental Properties to Notes 18:05 – What Is a Mortgage Note? 21:22 – Understanding Liens and Clear Title 26:16 – Can Individual Investors Buy Notes? 30:41 – How Investors Can Participate in Note Investing 34:27 – How Note Funds Pay Investors 36:36 – Using Retirement Accounts and HSAs for Note Investing 40:10 – Fred's Book " The Little Green Book of Note Investing"   Ready to take the next step?   Connect with us today: Website: moneywithmission.comLinkedIn: https://www.linkedin.com/in/moneywithmission/   Connect with Fred Moskowitz! LinkedIn: https://www.linkedin.com/in/thefredmoskowitz Instagram: https://www.instagram.com/thefredmoskowitz/ Book: The Little Green Book of Note Investing Gift:  giftfromfred.com   Key Quotes: "Relying on the paycheck from my job as my only source of income, I was taking on this huge risk." - Fred Moskowitz   "The work you do from your job, it kinda supports your life, but when you get involved in investing, investing in assets that generate income for you and appreciate over time, that's what really generates wealth." - Fred Moskowitz

Jim and Chris discuss listener emails on Social Security spousal benefits, portfolio withdrawal strategy for early retirement, HSA and Medicare premiums, the 4% rule, Roth self-employed 401(k)s, Roth conversions, and retirement trusts. (10:45) A listener asks whether her husband claiming Social Security on his own record before she files at 70, including as early as 62, would reduce his eventual spousal benefit, and in what circumstances an earlier filing might make sense for them. (20:45) She also asks how to structure her portfolio to cover a seven-year income gap before Social Security begins and fund a potential home purchase at retirement. (46:15) George and Georgette want to know which Medicare-related costs – IRMAA surcharges, Part D, and supplemental insurance – qualify for HSA reimbursement, and whether they can apply HSA funds retroactively to prior-year premiums. (54:30) The guys address the idea that money reimbursed from an HSA isn’t restricted to medical use, so saving receipts over the years can turn an HSA into a source of tax-free cash for virtually any expense. (1:01:15) A listener compares the 4% rule to Newton’s laws of motion – foundational but not the final word – and describing how he’s combining that framework with their retirement income approach for his own long-range planning. (1:08:30) Jim and Chris share a listener’s PSA that Fidelity began offering a Roth self-employed 401(k) in 2025, in response to a question from a recent episode. (1:11:30) One listener pushes back on the idea that Roth conversions only make sense at a lower tax bracket, walking through a math example to show that tax-free compounding can make converting at the same — or even a higher — bracket financially worthwhile. (1:17:45) George has structured his IRA with a testamentary trust for a financially irresponsible adult child and asks whether a “retirement trust”, could allow the trust to receive IRA assets without the compressed tax rates that typically apply to trusts. The post Social Security, Withdrawal Strategy, HSAs, 4% Rule, Roths, Retirement Trust: Q&A #2621 appeared first on The Retirement and IRA Show.

Taxes are not just something you deal with once a year when it is time to file. For high earners, business owners, and investors, taxes are part of the bigger wealth-building strategy. In this episode, Shari Rash talks with CPA and tax strategist Catrina M. Craft about how to stop playing defense with the IRS and start thinking more proactively about tax strategy. Catrina explains why the tax code often creates more opportunities for business owners and investors, why high-earning W-2 employees may feel limited but are not completely out of options, and how Roth accounts, HSAs, real estate, business structure, and proactive planning can all play a role in a smarter tax picture. They also talk about the difference between an accountant, a bookkeeper, a CPA, and a tax strategist, why waiting until March or April is usually too late for meaningful tax planning, and why deductions are not free money. You'll hear: Why tax filing and tax strategy are not the same thing Why high earners need to stop treating taxes like a once-a-year event What W-2 employees can still consider when they feel stuck How Roth 401(k)s, backdoor Roth strategies, and HSAs may fit into long-term planning Why business owners need to understand entity structure, deductions, documentation, and ordinary and necessary expenses Why spending money just for a tax deduction can backfire How to think about tax planning as part of your larger financial strategy This episode is for educational and informational purposes only and is not individualized financial, investment, tax, legal, or accounting advice. Before making tax, investment, retirement, business, or entity-structure decisions, consult with qualified professionals who understand your specific situation. If you want help building a financial plan that connects your income, investing, taxes, cash flow, and long-term goals, learn more about working with Shari Rash and ⁠GWA Wealth⁠ by visiting gwawealth.com. Follow Everyone's Talkin' Money on your favorite podcast app so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney⁠ Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don't necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most Americans wildly overestimate what the people around them earn, and that gap in perception can lead to some costly financial mistakes. Financial Advisors, Brian Preston and Bo Hanson, break down real median income data by age, debunk the $500K myth, and show you exactly how discipline and savings rate can matter more than income when it comes to building lasting wealth. Then it's your turn! We answer live questions on HSAs, term insurance, car loan limits, and more (while having some fun out in the wings).⁠⁠⁠⁠ Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Every family knows the feeling. You spend $1,000 to get everyone to the happiest place on Earth, and by 1:30 someone's crying, someone's sunburned, and somebody just paid $18 for a hotdog. Robert Niles from Theme Park Insider (the site that Robert jokes AI is pulling all its theme park data from) comes back to the basement to help you avoid that fate. This year he's also got strong opinions on which park is winning summer 2026, and it's not the one you'd expect.What You'll Walk Away WithWhy the biggest theme park mistake families make has nothing to do with the park -- and everything to do with who's in the crew going with youWhich park Robert says is winning summer 2026 -- including a brand-new attraction that combines rollercoaster, dark ride, and water ride into one experienceThe quick game: lightning lane passes, VIP tours, park hoppers, character breakfasts, fireworks packages, meal plans -- worth it, skip it, or depends?Why Tokyo DisneySea is boss-level theme parking -- and the specific 10-minute window that determines whether you get on the top rides or wait four hoursThe sleeper parks most families overlook -- including one with a water park included in the ticket price and another that Herschend hasn't bought yetHow to use the Theme Park Insider community to find the actual strategy for any park before you arrive -- written by real visitors, not AIWhy sit-down air-conditioned lunch in the middle of a hot park day might be the best $40 you spend all summerThe over-planning trap -- and why having a plan matters less than being willing to abandon itWhat a Netflix show taught CNBC about health insurance deductibles -- and why one in four Gen Z adults still doesn't know what a deductible actually isThe HSA trap hiding inside high-deductible health plans -- and why choosing the cheaper plan can end up costing you far moreWhy This Matters NowSummer is when families spend real money on experiences that either become great memories or expensive regrets. A little planning separates the two more than most people think -- and the same principle applies to health insurance. Both conversations in this episode are about making sure the money you spend on your family actually delivers what you paid for.From the BasementRobert Niles from Theme Park Insider joins Joe and OG to kick off summer 2026 -- and Joe finally confesses that going to Dollywood last year changed his life. The headline segment tackles a CNBC piece inspired by the Netflix show Beef, which turns into a genuinely useful conversation about deductibles, HSAs, max-out-of-pocket numbers, and when the high-deductible plan is actually the wrong choice. Doug arrives with Formula Rossa trivia and a strongly worded editorial about what counts as a complete meal. The back porch features perhaps the best parenting post the basement has ever produced.Resources MentionedTheme Park Insider -- themeparkinsider.com; reviews, trip planning guides, and community discussion boardsBeef on Netflix -- referenced for the deductible explainer segmentCNBC health insurance article by Annie Nova -- linked at stackingbenjamins.comStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

“What if the biggest untapped source of capital for real estate syndications is already sitting inside retirement accounts?” Discover how Carl Fischer and Matt Moore break down how they've helped over 1,500+ capital raisers unlock self-directed IRA and qualified retirement capital for alternative investments. They explain why many successful sponsors raise 50–60% of their capital from retirement accounts, how “sticky” IRA capital creates stronger long-term investor relationships, and why most investors still don't realize they can legally use IRAs, 401(k)s, HSAs, and other tax-advantaged accounts to invest in real estate syndications. The conversation dives deep into the misconceptions surrounding self-directed IRAs, the importance of simplifying investor education, and how sponsors can use webinars, Q&A sessions, CRM systems, and strategic communication to attract and retain retirement capital. Carl and Matt also share practical insights on investor psychology, market trends, due diligence, risk management, AI-driven research, and why consistent communication—not flashy returns—is what ultimately builds trust and keeps investors coming back. For sponsors, capital raisers, and investors looking to scale smarter in today's market, this episode delivers a tactical roadmap for leveraging one of the largest pools of capital in the world. 5 Key Takeaways on this episode:Retirement capital can become a major funding source Many successful sponsors raise 50–60% of their capital from self-directed retirement accounts. Most investors still don't know they can use IRAs for syndications Education and simple conversations can unlock entirely new capital sources. Communication and trust matter more than flashy returns Investors stay loyal to sponsors who consistently communicate and remain transparent during challenges. Sponsors don't need to become IRA experts Leveraging third-party administrators like CamaPlan simplifies the process and increases investor confidence. AI and due diligence groups are changing investor behavior Investors are becoming more sophisticated, collaborative, and research-driven in evaluating deals and operators. About Tim MaiTim Mai is a real estate investor, fund manager, mentor, and founder of HERO Mastermind for REI coaches.He has helped many real estate investors and coaches become millionaires. Tim continues to help busy professionals earn income and build wealth through passive investing.He is also a creative marketer and promoter with incredible knowledge and experience, which he freely shares. He has lifted himself from the aftermath of war, achieving technical expertise in computers, followed by investment success in real estate, management skills, and a lofty position among real estate educators and internet marketers.Tim is an industry leader who has acquired and exited well over $50 million worth of real estate and is currently an investor in over 2700 units of multifamily apartments.Connect with TimWebsite: Capital Raising PartyFacebook: Tim Mai | Capital Raising Nation Instagram: @timmaicomTwitter: @timmaiLinkedIn: Tim MaiYouTube: Tim Mai

"Don't sit around waiting to feel motivated. You take some little actions, and that often gives you the motivation and the momentum to move forward." Our hosts, Stephanie McCullough and Kevin Gaines, sit down to work through a HerMoney.com list of ten things to do when retirement is a decade away. The meta-lesson turns out to be bigger than any single item on it! The list, from Jean Chatzky's financial information service for women, gives them a useful scaffold, but what they keep returning to is the paralysis that keeps so many people from starting at all. Planning for retirement can feel like pushing a stone uphill; getting moving makes it roll the other way. The list items themselves span the practical and the personal. Test-drive potential retirement destinations before committing. Tackle home repairs now, while you still have a paycheck. Start volunteering, not just to give back but to road-test how you'll spend your time when work no longer fills it. On the financial side: understand what Medicare actually covers (spoiler: not dental, vision, or long-term care). Build your HSA if you're eligible. Track down old 401(k)s and check the beneficiaries on every account. Create your Social Security account online and verify your earnings record for errors. And on claiming age, Kevin pushes back on the blanket advice to "always wait" because Social Security strategy depends on how it fits the rest of your specific plan. The bonus tip says it all: say it out loud. Telling people you're planning to retire creates accountability. It makes the stone easier to push!   Key Topics: ●      Trying Out Retirement Destinations (04:24) ●      Home Repairs, Renovations, and Aging in Place (07:21) ●      Volunteering: A Test Drive for Your Time (12:02) ●      Reclaiming Your Calendar… and Your Identity (13:35) ●      Healthcare Costs, Medicare Myths, and HSAs (16:52) ●      Building a Social Network Outside the Office (21:04) ●      Checking In on Pensions and Old 401(k)s (25:30) ●      Why the 10-Year Mark Is the Right Time to Find a Financial Planner (27:21) ●      Social Security: "Wait" Is Not a One-Size-Fits-All Answer (29:33) ●      Creating Your Social Security Account (and Checking Your Earnings Record) (31:02) ●      Say It Out Loud (32:22)   Resources: Retirement Readiness Quiz: https://www.aarp.org/money/retirement/readiness-quiz/ The 5 Years Before You Retire and other books by Emily Guy Birken: https://www.emilyguybirken.com/books HerMoney.com Article Discussed in this Episode: https://hermoney.com/invest/10-things-you-should-do-when-retirement-is-10-years-away/   Take Back Retirement Episodes Referenced: Making Your Own Story: Finding Meaning After 50 with Diane Gansauer Redefining Retirement: Finding Your Creative Voice Through Comedy with Lynn Harris The Challenges and Opportunities of Defining Your Identity in Retirement with Elizabeth Parsons Practicing for Retirement: Balancing Creative Pursuits and Financial Planning with Mary Jo Hoffman Simplifying Medicare: What's Important For You To Know with Susan Sloan Cultivating Creative Connections for Lifelong Wellness with Claire Waite Brown Getting the Most from Social Security: Smart Strategies for Women with Heather Schreiber Smarter Social Security: Getting What's Yours Without Panicking   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Clark Howard joins Wes Moss and Christa DiBiase for a fun, fast-moving Retire Sooner Podcast episode packed with conversations about retirement planning, Roth conversions, HSAs, taxes, investing, and the lifestyle choices that may help to shape financial life. From boats and horse racing to tax strategies and retirement income planning, this episode blends practical financial conversations with the relatable chemistry listeners love. • Compare **Roth vs. traditional **401(k) contribution approaches as Clark Howard and Wes Moss sort through taxes, future flexibility, and retirement income planning considerations. • Consider how state income taxes, Roth conversions, required minimum distributions (RMDs), and Medicare IRMAA (Income-Related Monthly Adjustment Amount) surcharges may influence retirement cash flow over time. • Explore HSA strategies, backdoor Roth IRAs, and mega backdoor Roth opportunities while reviewing contribution rules and planning considerations for higher earners. • Weigh whether buying a boat aligns with lifestyle goals and retirement spending priorities by comparing personal value and real-world price-per-use scenarios. • Enjoy Christa DiBiase's stories about horse racing, sports fandom, and finding balance between financial goals and enjoying life along the way. Listen and subscribe to the Retire Sooner Podcast to hear Clark Howard, Wes Moss, and Christa DiBiase bring retirement planning and investing conversations to life with humor, perspective, and approachable discussions about financial independence, retirement income, and long-term planning strategies. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Broker Link Podcast, host Leigha Hayes sits down with Robert Davis from Physicians Mutual to discuss innovative solutions in today's Medicare market. Robert shares details about Physicians Mutual's unique Plan G Medicare supplement, which features a disappearing deductible and lifetime discounts, often making it 20–40% more affordable than traditional Plan G options. He explains that the ideal clients for this plan include healthy individuals, retirees with HSAs, and consumers already comfortable with high-deductible health plans. The conversation also dives into some of the biggest challenges facing the Medicare industry today, including medical inflation, fraud, and market instability. Robert emphasizes the value of working with trusted legacy carriers that continue to adapt and innovate for both agents and clients. In addition to Medicare supplements, Robert introduces Physicians Mutual's new dental product featuring no annual maximum, along with a competitive final expense solution offering flexible term options and strong rates. This episode is packed with valuable insights for agents looking to better serve clients while staying ahead in a changing Medicare landscape. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

Hear money lessons from NerdWallet moms and learn how to budget for healthcare on a high-deductible plan. What does motherhood teach you about money? In honor of Mother's Day, hosts Sean Pyles, CFP®, and Elizabeth Ayoola gather money lessons from NerdWallet moms — including Erin El Issa, Amanda Barroso, Kate Ashford, and Pamela de la Fuente — as well as from Sean's mom, Jeanne. They explore the pressure to keep up with influencers and other parents, the costly belief that core childhood memories can be bought, the role allowances play in helping kids feel the weight of their own money, and what becoming a parent reveals about long-term saving. How do you budget for healthcare when your employer switches you to a high-deductible plan and bills are coming in faster than you can build up your HSA? Sean and Elizabeth are joined by personal finance writer Kate Ashford to answer a question from a listener whose routine doctor visit ballooned from a $30 quote to nearly $500 out of pocket. They dig into the triple tax advantages of HSAs, the math behind comparing high-deductible and traditional coverage, why the first year on an HDHP can feel especially brutal, and what to do when medical expenses outpace your savings. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

With host Scott Hennen away exploring the fjords of Norway, guest host Michelle Comer takes over the studio for a powerhouse "Ladies' Day" special. Joined by an expert panel featuring a physician's assistant, a financial whiz, a fitness director, and a dietitian, the conversation dives deep into the topics often left in the shadows: menopause, hormonal health, midlife relationships, and the financial reality of aging. From debunking breast cancer myths related to hormone replacement therapy (HRT) to the "bowl of spaghetti" that is the female brain, this episode is an authentic, funny, and informative guide to navigating life after 50. Whether you're a "crockpot" or a "microwave," looking to max out your HSA or just trying to find a community that keeps you active, Michelle and her friends provide the "receipts" for living your best life in every chapter.

Tom takes a Wall Street Journal retirement-account quiz while Don gleefully plays game show host, leading to a surprisingly useful (and occasionally chaotic) discussion of HSAs, Roth IRAs, Trump accounts, 529 plans, contribution limits, and retirement withdrawal rules. The episode then pivots into listener questions about ACAT transfer anxiety during market volatility and a blistering takedown of indexed annuities, including misleading “bonuses,” surrender charges, and the illusion of “market returns without risk.” The show wraps with a spirited rebuttal to a listener defending annuities and a reminder that insurance companies aren't charities—they're math machines built to profit from your longevity assumptions.0:05 Wall Street Journal retirement-account quiz begins1:06 Admitting financial advisors don't know everything1:50 AI voices, digital immortality, and cloned Don4:01 HSAs and the “triple tax advantage”5:20 Roth vs. traditional IRA tax treatment6:34 Employer matches and “Trump accounts”7:46 529 contribution-limit confusion8:47 IRA contribution eligibility and earned income11:17 Rule of 55 for penalty-free 401(k) withdrawals12:37 Trump accounts requiring U.S. stock index funds14:25 Expanded 529 eligible expenses under new law16:06 Listener question about ACAT transfer anxiety during volatility18:24 Why missing a few market days usually doesn't matter20:57 Indexed annuity “bonus” pitch dismantled23:17 Why Don despises most insurance investment products24:27 Listener challenges the show's annuity criticism26:12 Why annuities and bonds are not equivalent28:09 Long-term market assumptions vs. fear-based selling29:22 Appella's free portfolio-review philosophy29:51 Immediate annuity math and the “you're getting your own money back” argument31:23 Why insurance companies usually win the longevity bet32:15 Mattress-money analogy for annuity payouts32:59 Closing thoughts and growing podcast downloadsQuestions? Comments? Click!

Without a comprehensive financial plan that accounts for taxes, income strategies, and long-term goals, it's easy to overlook opportunities that could significantly impact your financial future. The reality is that even strong investment returns can be undermined by inefficient planning, leading to unnecessary taxes, missed opportunities, and less control in retirement. In this episode, Derek Gregoire is joined by Alina Osokhovska, Certified Financial Planner™, to explore the true role of financial planning and why it goes far beyond portfolio management. With deep expertise in tax strategies and long-term planning, Alina shares how thoughtful, proactive planning can help clients align their investments with their goals while navigating an ever-changing financial landscape. Together, they break down the different types of tax-advantaged accounts, including pre-tax, Roth, and after-tax strategies, and explain how each can play a role in building a more efficient retirement plan.  They also discuss the importance of tax diversification, how accounts like 401(k)s, IRAs, 529 plans, and HSAs fit into a broader strategy, and why ongoing planning is essential to adapt to changes in tax laws and personal circumstances.  In this podcast interview, you'll learn: Why financial planning goes far beyond investments and serves as the foundation for reaching your long-term goals. How pre-tax, Roth, and after-tax accounts differ and how each impacts your taxes in retirement. Why tax diversification is critical to maintaining flexibility and minimizing unnecessary taxes over time. How inefficient tax planning can reduce your retirement income just as much as market losses. The role of accounts like 401(k)s, 529 plans, and HSAs within a comprehensive financial strategy. Why financial planning is an ongoing process that must adapt to changes in tax laws, income, and personal goals.  Want the Full Show Notes? To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast Connect With Us on Social Facebook LinkedIn YouTube

The Health Savings Account is the only investment vehicle that features tax deductibility, tax free growth, and tax-free qualified withdrawals. Nathan discusses how HSAs work, who offers them and who should maximize their benefits. Also, on MoneyTalk, understanding the bond market, and employer stock option plans. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 5/1/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

HSAs sound like a no-brainer, but for many business owners, they can actually backfire. In this episode, we break down when an HSA is a bad move and why the “triple tax advantage” doesn't always work in your favor. You'll learn how high deductibles impact your cash flow, why inconsistent contributions weaken tax savings, and how using your HSA too often kills long-term growth. We also cover hidden rules, penalties, and why this strategy doesn't fit every business owner. This is real finance advice focused on smarter money decisions, tax strategies, and protecting your business finance. If you want better savings strategies and a stronger financial mindset, this episode will challenge what you think you know. Listen now before you lock into the wrong strategy.   Next Steps: ➡️ Overpaying your CPA and the IRS? Learn how to stop it in this free training: https://go.phillipsbusinessgroup.com/registration

Take a step back and get a clearer view of your retirement plan in this episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase. Enjoy a practical, easy-to-follow conversation that connects real data, real questions, and real-life planning: offering perspective to help guide decisions. • Explore why retirement confidence may be slipping, using insights from the Employee Benefit Research Institute and the University of Michigan, and see how inflation and oil prices have historically been associated with changing outlooks. • Break down the difference between fiduciary and non-fiduciary advisors to provide a backdrop when evaluating who you trust with your financial picture. • Walk through listener questions on 457(b) vs. 401(k) plans, Roth vs. traditional strategies, and how early retirement access rules actually work. • Get more clarity on VEBA HRA accounts vs. HSAs, and consider what may be affecting Roth IRA growth—including allocation choices and tools used. • Think through when a trust might make sense and how savings accounts, money markets, and bonds may play different roles as interest rates shift. • Consider ways to prepare for long-term care costs, including self-insuring concepts that tie into income planning and HSA savings over time. Looking to explore big picture retirement planning without getting lost in the weeds? This episode is a great place to start. Listen and subscribe to the Retire Sooner Podcast! Learn more about your ad choices. Visit megaphone.fm/adchoices

Health insurance is one of those things that's genuinely important and genuinely confusing. When you're managing diabetes or any chronic illness, the stakes are a lot higher than for most people. One wrong plan choice can mean insulin coverage disappears, specialist visits become out-of-pocket, or you get hit with a bill you didn't see coming. Rob sits down with Dakota Myers, known online as The Benefits Boss, for a no-nonsense breakdown of health insurance fundamentals through the lens of chronic illness. Dakota walks through the terminology that trips most people up (premiums, deductibles, co-insurance, out-of-pocket maximums), explains the real difference between PPO, HMO, and HSA plans, and makes a compelling case for why working with a broker costs you nothing and can save you thousands. The conversation covers some genuinely useful stuff that most people don't know, like the Medicaid Decline Hack for getting back onto the marketplace outside of open enrollment, the COBRA backdating loophole for gap coverage, and how income and health status together should drive your marketplace vs. private plan decision. If you've ever stared at an open enrollment portal feeling completely overwhelmed, this one is for you. Dakota and his team at The Benefits Boss shop every plan in all 50 states, and as he puts it, the goal is always to build the best package for each individual situation, not to sell a product. By the end of this episode, you'll have a much cleaner framework for evaluating your options and asking the right questions. Chapters: 00:00 Rob's intro: why this episode exists 02:43 Introducing Dakota Myers, The Benefits Boss 04:33 Starting with the basics: premiums defined 04:51 The three-step cost breakdown explained 06:25 Short-term and long-term disability coverage 07:07 High premium vs. high deductible: how to choose 09:30 What employers actually pay — a business owner's view 10:54 PPO, HMO, and network basics demystified 13:56 The doctor network hack: verify your coverage 14:44 What a good broker actually does for you 17:07 Should you use a broker? Here's the case for yes 17:40 HSAs: who they're actually useful for 19:10 Evaluating employer plans: three things that matter 22:26 Navigating the ACA marketplace and open enrollment 22:57 The Medicaid Decline Hack for qualifying events 27:02 COBRA explained — and the backdating loophole Resources: The Benefits Boss IRS HSA Contribution Limits & Eligibility Healthcare.gov

Tait Duryea and Ryan Gibson welcome back Mark Kohler to unpack one of the most misunderstood topics in self-directed IRA investing: UBIT and UDFI. Mark explains how these taxes show up in real estate syndications, why leverage can trigger tax inside an IRA, when C corp blockers may help, and what pilots should watch for on K-1s and 990-T filings. This episode gives high-income professionals a clearer way to evaluate SDIRA deals without letting tax fear cloud the bigger investment picture.Mark Kohler is a CPA, attorney, tax strategist, and longtime advocate for small business owners and investors. With decades of experience in tax law, entity structuring, retirement planning, and asset protection, Mark is known for making complex tax strategies easier to understand and apply. He brings practical clarity to the rules that affect pilots and high-income professionals using retirement dollars to invest beyond Wall Street.Show notes:(0:00) Intro(0:48) UBIT and self-directed IRAs(4:32) Understanding UBIT, UDFI, and 990-Ts(5:36) Why UBIT exists(10:05) How C Corp blockers work(14:37) Reading K-1 warning signs(18:57) How leverage creates UDFI(23:09) Comparing SDIRA and cash investors(31:18) Trust tax rates explained(37:41) When IRAs need an EIN(41:37) Real numbers on UDFI taxes(55:30) OutroConnect with Mark:Website: https://markjkohler.com/ LinkedIn: https://www.linkedin.com/in/markjkohler/ Related Episodes: #110 - The IRA Club Advantage: The Self-Directed IRA Strategy for Pilots with Ramez Fakhoury#36 - Decoding the Untapped Potential and Complex World of Self-Directed IRAs with Derreck Long#82 - From LLCs and HSAs to Roth IRAs: Mastering Wealth Protection with Mark KohlerIf you're interested in participating, the latest institutional-quality self-storage portfolio is available for investment now at: https://turbinecap.investnext.com/portal/offerings/8449/houston-storage/ — 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 at 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.

What would it look like to stop working at 50? Or to step away from a high-powered career and spend your time doing something that lights you up instead? For many women, this is not just a dream. With the right plan, it is a very real option. Melissa Joy, CFP® sits down with Bridget Grimes, founder of Wealth Choice and co-founder of Equita Financial Network, to talk about what retiring in your 50s or 60s actually requires, from knowing your cost of living to healthcare coverage, Roth conversions, and finding purpose on the other side.Bridget is a financial planner, CFP Board Ambassador, and fierce advocate for women and women-led financial firms. She works with breadwinner women every day who are building toward financial independence, and in this conversation she pulls back the curtain on the planning conversations that make early retirement possible.What You'll LearnWhat Coast FIRE is and why it resonates with so many high-achieving womenWhy knowing your actual cost of living is one of the most important retirement planning inputsHow a stair-step retirement, with part-time or passion work, can meaningfully improve your financial pictureWhy healthcare is the biggest wild card for anyone retiring before Medicare eligibility at 65How to think about COBRA, the ACA exchange, and HSAs as part of your early retirement planWhy having multiple account types, taxable, pre-tax, and Roth, gives you flexibility and tax optionsHow Roth conversions work as a multi-year strategy and why doing them all at once can backfireWhat the Rule of 55 means for 401k access and how it differs from IRA rulesWhy rebalancing your investment allocation matters when you stop earning and start drawingHow to give yourself permission to think about what you actually want your life to look likeWhy early retirement is as much a social and emotional transition as it is a financial oneWhat to look for in a financial advisor if you are planning to retire earlier than traditional agesConnect with Bridget GrimesWebsite: wealthchoice.comLinkedIn: linkedin.com/in/bridget-venus-grimes-cfpFacebook: facebook.com/wealthchoiceInstagram: The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

Dr. Jimmy Turner hosts a solo Money Meets Medicine mailbag addressing timely physician finance questions, emphasizing that trainees should secure disability insurance before finishing training because guaranteed standard issue (GSI) policies are only available during training and many doctors need them. He explains 2026 federal student-loan changes under OBBBA, advising residents planning aggressive payoff to avoid refinancing in training, exit the defunct SAVE plan, and consider the Repayment Assistance Plan (RAP) for its interest subsidy and flexibility. He warns fourth-year med students pursuing PSLF not to consolidate loans to skip the grace period, because a post–July 1, 2026 consolidation can eliminate IBR eligibility and lead to much higher payments versus IBR's cap.  Get $100 off a student loan consult with Student Loan Planner: https://moneymeetsmedicine.com/loans Every doctor needs own-occupation disability insurance. Get it from a source you can trust: https://moneymeetsmedicine.com/disability Want a free copy of The Physician Philosopher's Guide to Personal Finance? Snag your copy here: 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.

For many Americans approaching retirement, financial planning means more than just maximizing savings and deciding when to claim Social Security. If you're not yet eligible for Medicare and rely on health coverage through the Affordable Care Act (ACA), your Social Security claiming decision at age 62 could have a dramatic effect on your insurance costs. On the show this week, I explore the nuances of how your income, and especially the timing of your Social Security benefits, can impact your eligibility for ACA premium tax credits—and what you can do to avoid costly surprises. You will want to hear this episode if you are interested in... [00:00] Retirement income and tax planning [03:35] Understanding ACA tax credits [07:44] Managing income for ACA tax credits [10:38] Social Security and tax calculations [14:57] Strategies for tax-free income access   Are ACA Premium Tax Credits, and Why Do They Matter? Premium tax credits, often referred to as ACA subsidies, are financial incentives designed to make health insurance more affordable for individuals and families who purchase coverage through healthcare.gov or a state exchange. These credits are contingent on your income, specifically your household's Modified Adjusted Gross Income (MAGI). For 2026, a single person can qualify for ACA subsidies if their MAGI is between 100% and 400% of the federal poverty level (FPL)—$62,600 in 2026 for an individual, and $84,600 for a couple. If you earn even $1 above this ceiling, you lose your entire premium subsidy—a phenomenon known as the "subsidy cliff".  With millions of Americans currently receiving subsidies, understanding how your retirement income decisions could threaten this benefit is essential for sound financial planning.   How Income Is Calculated for ACA Subsidies Not all income is created equal when it comes to ACA subsidies. The government uses your MAGI, which is your Adjusted Gross Income (AGI)—the number found on your tax return—plus certain items like tax-exempt bond interest and non-taxable Social Security benefits. This includes: Wages and self-employment income Social Security benefits (both taxable and non-taxable portions) Retirement account distributions (except Roth IRAs or Roth 401ks) Rental, interest, and dividend income Capital gains   Additionally, some deductions, like contributions to IRAs, HSAs, and student loan interest, can reduce your AGI, and thereby your MAGI, giving you potential tools for staying below the subsidy cliff.   The Social Security Timing Dilemma Collecting Social Security early at age 62 may sound appealing, but it comes with strings attached for ACA recipients. A critical point is that not all of your Social Security benefits are necessarily taxable. However, when calculating MAGI for ACA purposes, you must add back even the non-taxable portion, which can push your income above the subsidy threshold. For example, if you take a modest IRA distribution and also begin Social Security, the cumulative MAGI could surprise you.    Strategies to Preserve Your ACA Subsidy Given the high stakes, careful income planning is essential for anyone under 65 not covered by Medicare and receiving an ACA subsidy. You could delay Social Security, as waiting to claim benefits may help keep your income lower. You could also draw from Roth accounts or savings, withdrawals from Roth IRAs or 401(k)s—provided they're qualified—don't count as income. Likewise, using savings or HSA reimbursements has no impact on MAGI. IRA, HSA, and 401(k) contributions can reduce your MAGI, especially if you miscalculated and need to lower your income late in the year. The most important thing to do is plan withdrawals: Time your IRA or 401(k) distributions and capital gains so they don't coincide with years when you're dependent on ACA subsidies.   Avoiding the "Subsidy Cliff" Surprise Perhaps the most important lesson is to monitor your income projections carefully throughout the year and to report your expected MAGI precisely when applying for coverage. Exceeding the threshold by even a small amount can cause you to lose your subsidy, resulting in thousands of dollars in unexpected premium costs come tax time. Retirement planning requires a big-picture approach that balances income sources, tax implications, and healthcare costs. If you're considering Social Security at 62 and not yet on Medicare, pay close attention to how your income choices will affect your ACA subsidy—because when it comes to the "subsidy cliff," every dollar counts.    Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Episode 267: Surviving the ACA Subsidy Cliff   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

This week on Retire with Style, Alex and Wade focus on how retirees can improve tax efficiency to maximize after-tax spending power. They walk through the structure of the tax system, emphasizing the importance of understanding adjusted gross income (AGI), above-the-line and below-the-line deductions, and how different tax rules interact. They also introduce the concept of tax diversification across taxable, tax-deferred, and tax-free accounts, explaining how each account type is taxed and how strategic use of all three can create more flexibility and better long-term outcomes. The discussion highlights that tax planning is not about loopholes, but about working within the rules to avoid unnecessary taxes and unintended consequences. Listen now to learn more!   Takeaways Tax efficiency is about increasing after-tax spending power, not just minimizing taxes in a single year Adjusted gross income (AGI) is a critical planning lever since many tax rules, phaseouts, and surcharges are tied to it Above-the-line deductions (like retirement contributions and HSAs) directly reduce AGI and are especially valuable Below-the-line deductions (standard or itemized) reduce taxable income but do not help with AGI-based thresholds Many retirees default to the standard deduction, but itemizing can be beneficial in certain situations (e.g., high state taxes, charitable giving) Tax diversification across three account types (taxable, tax-deferred, Roth) provides flexibility in managing taxes over time Taxable brokerage accounts can be efficient for long-term investing due to favorable capital gains treatment and a step-up in basis at death Tax-deferred accounts offer upfront deductions and compounding benefits, but create future ordinary income and required minimum distributions Roth accounts provide tax-free growth and withdrawals, making them valuable for long-term tax control and legacy planning Health Savings Accounts (HSAs) offer unique “triple tax advantages,” combining deduction, tax-deferred growth, and tax-free withdrawals for medical expenses Chapters 00:00 Introduction to Retirement Planning 01:19 Follow-Up on Reverse Mortgages 04:58 Understanding Tax Efficiency in Retirement 16:15 Tax Diversification Strategies 24:26 Exploring Roth Accounts and HSAs   Links 

In Episode 131 of DC EKG, Joe Grogan sits down with Dr. John Goodman to discuss what both parties continue to get wrong about healthcare, why patient incentives still matter, and how market-based reforms could lower costs and improve access. Drawing on decades of work in health economics and policy, Dr. Goodman explains how special interests helped shape Obamacare, why supply-side constraints still distort care, and why patients are too often left out of the policymaking process.  The conversation then turns to Health Savings Accounts, Medicaid reform, emergency room overuse, and why policymakers remain so resistant to giving patients more control over healthcare dollars. Dr. Goodman also outlines his view that self-directed care and consumer choice can improve value and expand access, especially for vulnerable populations.  In the second half, Joe and Dr. Goodman dive into reference pricing as a major reform idea. Using real-world examples, they discuss how clearer prices and patient-driven decision-making could create more meaningful competition across healthcare markets. The episode closes with a broader conversation on bipartisan reform, the tax code, and why durable change remains so hard to achieve in Washington.  In This Conversation What both parties keep getting wrong about healthcare How special interests shaped Obamacare and why patients were left out Why HSAs remain controversial and what they change about incentives Medicaid reform, emergency room use, and patient access How self-directed care can improve outcomes and satisfaction What reference pricing is and why it could create real competition Why bipartisan healthcare reform keeps breaking down in Washington Timestamps0:00 How special interests shaped Obamacare0:46 Joe welcomes Dr. John Goodman1:09 Dr. Goodman's background and the origins of HSAs5:22 What both parties get wrong about healthcare7:36 Why physician supply stays restricted9:26 Spending more without getting healthier14:16 What Washington should actually be debating15:52 Insurance that meets patients' needs20:06 HSAs and consumer-directed care22:29 Why Medicaid patients rely more on emergency rooms24:50 Medicaid reform and letting patients pay the difference28:07 Self-directed care and “Cash and Counseling.”29:35 Reference pricing explained32:14 How reference pricing could reshape insurance markets36:06 Why Dr. Goodman is optimistic40:36 The tax code and healthcare policy44:22 Where to find Dr. Goodman's work45:42 Outro Obamacare, health savings accounts, HSA, John Goodman, Joe Grogan, healthcare reform, healthcare policy, Medicaid reform, emergency room visits, patient incentives, consumer-directed care, reference pricing, tax policy, bipartisan reform, healthcare economics About Our GuestJohn C. Goodman is President of the Goodman Institute for Public Policy Research and is widely known for his work in health economics, Health Savings Accounts, and consumer-directed healthcare reform.  Podcast: DC EKG with Joe GroganEpisode: 131Guest: John C. GoodmanSponsor: Survivors for Solutions – https://survivorsforsolutions.orgExecutive Producer: John “CZ” Czwartacki, DC EKG PodcastProducer: Stay on Course Studios – https://www.stayoncourse.studio

In Episode 131 of DC EKG, Joe Grogan sits down with Dr. John Goodman to discuss what both parties continue to get wrong about healthcare, why patient incentives still matter, and how market-based reforms could lower costs and improve access. Drawing on decades of work in health economics and policy, Dr. Goodman explains how special interests helped shape Obamacare, why supply-side constraints still distort care, and why patients are too often left out of the policymaking process.  The conversation then turns to Health Savings Accounts, Medicaid reform, emergency room overuse, and why policymakers remain so resistant to giving patients more control over healthcare dollars. Dr. Goodman also outlines his view that self-directed care and consumer choice can improve value and expand access, especially for vulnerable populations.  In the second half, Joe and Dr. Goodman dive into reference pricing as a major reform idea. Using real-world examples, they discuss how clearer prices and patient-driven decision-making could create more meaningful competition across healthcare markets. The episode closes with a broader conversation on bipartisan reform, the tax code, and why durable change remains so hard to achieve in Washington.  In This Conversation What both parties keep getting wrong about healthcare How special interests shaped Obamacare and why patients were left out Why HSAs remain controversial and what they change about incentives Medicaid reform, emergency room use, and patient access How self-directed care can improve outcomes and satisfaction What reference pricing is and why it could create real competition Why bipartisan healthcare reform keeps breaking down in Washington Timestamps0:00 How special interests shaped Obamacare0:46 Joe welcomes Dr. John Goodman1:09 Dr. Goodman's background and the origins of HSAs5:22 What both parties get wrong about healthcare7:36 Why physician supply stays restricted9:26 Spending more without getting healthier14:16 What Washington should actually be debating15:52 Insurance that meets patients' needs20:06 HSAs and consumer-directed care22:29 Why Medicaid patients rely more on emergency rooms24:50 Medicaid reform and letting patients pay the difference28:07 Self-directed care and “Cash and Counseling.”29:35 Reference pricing explained32:14 How reference pricing could reshape insurance markets36:06 Why Dr. Goodman is optimistic40:36 The tax code and healthcare policy44:22 Where to find Dr. Goodman's work45:42 Outro Obamacare, health savings accounts, HSA, John Goodman, Joe Grogan, healthcare reform, healthcare policy, Medicaid reform, emergency room visits, patient incentives, consumer-directed care, reference pricing, tax policy, bipartisan reform, healthcare economics About Our GuestJohn C. Goodman is President of the Goodman Institute for Public Policy Research and is widely known for his work in health economics, Health Savings Accounts, and consumer-directed healthcare reform.  Podcast: DC EKG with Joe GroganEpisode: 131Guest: John C. GoodmanSponsor: Survivors for Solutions – https://survivorsforsolutions.orgExecutive Producer: John “CZ” Czwartacki, DC EKG PodcastProducer: Stay on Course Studios – https://www.stayoncourse.studio

This episode covers three topics that can have a big impact on your financial future: how to avoid a surprise tax bill next year, why a Health Savings Account (HSA) may be one of the most underutilized retirement assets, and how retirement planning has changed (it's not your parents' retirement anymore). In this episode: Why the IRS is a “pay-as-you-go” system—and what to change if you owed this year Withholding vs. quarterly estimated payments (and when each applies) Social Security and retirement distributions: common tax withholding blind spots HSAs explained: the triple tax advantage (and why it matters) Key HSA rules before and after age 65, including Medicare timing Why retirement may last 30–40 years—and why flexibility beats a “perfect forecast” 

This Friday Q&A episode of Talking Real Money features a surge in listener questions, covering key retirement and investing topics including IRA inheritance strategies, borrowing in retirement, how to find fiduciary advisors, the powerful tax advantages of HSAs, pension timing decisions, and whether Robinhood's 2% IRA transfer bonus is worth the trade-offs. Don emphasizes simplicity and tax efficiency—favoring IRA rollovers over inherited structures for spouses, cautioning that borrowing becomes harder in retirement, praising HSAs as one of the best tax-advantaged tools available, encouraging aggressive Roth saving to bridge early retirement gaps, and warning that “free money” incentives like Robinhood's may come with hidden costs, particularly through payment-for-order-flow execution.0:05 Shift to podcast-only boosts listener call volume2:26 Spousal IRA decision: inherited vs rollover strategy5:59 Why rollover IRAs usually win for older surviving spouses6:26 Borrowing in retirement: income limits and lender challenges8:03 Alternative borrowing strategies and why cash often wins9:07 How to find fiduciary advisors on the website10:16 HSA explained: triple tax advantage and retirement use12:41 Pension planning and early retirement trade-offs14:08 Why delaying pension and Social Security pays off15:35 Roth IRA as a bridge strategy for early retirement18:33 Robinhood 2% IRA transfer: risks vs reward19:49 Payment-for-order-flow and why execution quality matters21:54 Final thoughts: simplicity, discipline, and avoiding gimmicksQuestions? Comments? Click!

Taxes can feel intimidating, confusing, and deeply emotional—especially if you're self-employed or earning good money and still feel unsure about what you're doing. In this episode, Shari Rash, founder of GWA Wealth, sits down with tax expert Hannah Cole to talk about what taxes actually look like in real life—and why so many people feel overwhelmed by them. Hannah shares how her own experience as a working artist led her to become a tax professional and build a company focused on helping people understand their taxes without shame or judgment. Together, Shari and Hannah break down the difference between tax preparation and tax planning, why finding the right accountant matters more than most people realize, and how small decisions throughout the year can significantly impact your tax bill. They also discuss what to do if you owe more than expected, how to think about retirement accounts like IRAs and HSAs, why tax literacy is one of the most powerful financial skills you can build, and the mindset shift that helps you stop seeing taxes as punishment and start seeing them as part of a long-term financial strategy. If you've ever felt confused about taxes, nervous about filing, or frustrated that your tax bill keeps rising as your income grows, this episode will help you understand what's really happening and what to do next. You'll hear why taxes feel so personal, how to evaluate and interview an accountant, what actions you can still take after the year ends, and the simple habits that make tax season dramatically less stressful. The podcast is where we start the conversation. The ETM Club is where we build the plan. If you want deeper guidance, live support, and a place to actually follow through, this is your next step. You can join us anytime at everyonestalkinmoney.com If you're ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don't necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices

We've got the first whiff of price growth as a result of President Donald Trump's war in the Middle East: A services sector purchasing index registered its highest reading since October 2022. Experts expect federal data out later this week to show a similar uptick in prices from February to March. And even if the war ends soon, that inflation could stick around. Also in this episode: The U.S. isn't likely to institute an oil price cap, HSAs remain an imperfect savings tool, and more shoppers opt for secondhand clothing.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

We've got the first whiff of price growth as a result of President Donald Trump's war in the Middle East: A services sector purchasing index registered its highest reading since October 2022. Experts expect federal data out later this week to show a similar uptick in prices from February to March. And even if the war ends soon, that inflation could stick around. Also in this episode: The U.S. isn't likely to institute an oil price cap, HSAs remain an imperfect savings tool, and more shoppers opt for secondhand clothing.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

In this episode we answer emails from Frank, Stephen (from Cincy), Jeff, and Sally.  We focus on a common retirement blind spot: once you are financially independent, portfolio tweaks matter less than the life choices you make with the time you have.  We also address those tweaks and then dig into HSA asset location traps, reflect on our listeners and our mission, and talk about our fundraiser for Fairfax CASA.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Links:Fairfax CASA Donation Page:  Donate - Fairfax CASAVideo About the Over-Saver Trap And How To Use Your Money To Improve Your Well-Being In Retirement:  RPR Episode 436 Illustrated: The Two Halves of Your Financial LifeThe Four Quadrant Model Exquisitely Explained With Illustrations Inspired By Vermeer:  The Four Quadrant Wealth Atlas.pdf - Google DriveBreathless Unedited AI-Bot Summary:You can do everything “right” financially and still miss the point of retirement. We kick off with a listener who is debt free, nearing retirement, sitting on substantial retirement accounts, and backed by a pension and rental income. The question on the surface is classic DIY investing: should the equity slice rise to 45%, should yield be reinvested, and when should a risk parity style portfolio transition happen? Our answer starts with the math, then quickly moves to what the math is trying to protect.From there, we zoom in on practical asset allocation choices that matter for real portfolios: how much long-term Treasury bond exposure is too much, why intermediate Treasuries may be redundant next to long duration bonds, and why turning off dividend reinvestment can make retirement rebalancing cleaner. We also talk value-tilted ETFs like AVGV and related Avantis funds, including how “fund of funds” products can quietly overlap with holdings you already own and make your plan harder to manage.Next, a second listener brings an under-discussed HSA twist. HSAs often get treated like a Roth IRA, but the inheritance rules can be punishing for non-spouse heirs, turning a tax-advantaged account into a one-year tax bomb. We walk through what that means for asset location, Roth conversions, and where aggressive investing belongs if you are tempted to take big swings. We wrap with our weekly market snapshot and the April distributions across the eight sample portfolios on the Risk Parity Radio site.If you found this helpful, share it with a friend who is close to retirement, then subscribe and leave a quick review so more DIY investors can find the show.Support the show

In this episode, Kevin Knight, Chief Marketing Officer at Sidecar Health, joins the podcast to discuss making healthcare more intuitive and consumer-friendly. He shares how giving money back to consumers through tools like HSAs can improve engagement, and explains why competition and technology are key drivers of meaningful system-wide improvement.

Before you file your taxes, make a few decisions that could impact your financial future. In this episode of The Wise Money Show, we walk through the must-answer tax questions, five last-minute moves to consider before April 15, and the biggest 2026 tax planning trends. We'll cover strategies involving HSAs, IRAs, Roth contributions, estimated taxes, and planning opportunities that could help reduce your lifetime tax bill.  Season 11, Episode 33 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/pQABaoS3cOA  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

David McKnight touches upon what he considers the most overlooked tax-free income stream. What he's referring to is to leave enough money in your traditional IRA so that your required minimum distributions can be completely offset by your standard deduction in retirement. David believes that focusing on tax-free retirement strategies is more crucial than ever, since it's becoming increasingly clear that taxes are likely to rise dramatically in the future. The United States is $39 trillion in debt and, as interest on that debt continues to grow and compound, the Government will eventually have to find ways to service it. Historically, when Governments face massive debt burdens, they typically do a combination of two things: cut spending or raise taxes. David lists what he considers the best tools for tax-free income in retirement – and why you can justify their inclusion in your balanced, comprehensive tax-free retirement plan. The first resource is Roth IRAs, which allow your money to grow tax-free and be distributed tax-free in retirement. Plus, they provide tremendous liquidity too. Then there are Roth 401(k)s. They have many of the same tax-free benefits as Roth IRAs, but also have an additional advantage.  Many employers provide matching Roth 401(k)s contributions in their retirement plans. Hence, you can receive free money from your employer while still building tax-free retirement income. When it comes to Roth conversions, they're beneficial in that they allow you to convert money from tax-deferred accounts like traditional IRAs or 401(k)s into Roth accounts. Additionally, Roth conversions don't have limits on how much money you can convert each year – as long as you're willing to pay the taxes today, you can shift large amounts of money into the tax-free bucket. When designed correctly, cash value life insurance policies allow money to grow tax-deferred and to be accessed tax-free through policy loans. Moreover, they also provide a death benefit that you can receive in advance of your death for the purpose of paying for long-term care. In case you need a volatility buffer, you can use cash value life insurance to draw money from the policy after a down year on the market instead of selling stocks at depressed prices.  Leaving enough money in your traditional IRA so that your required minimum distributions can be completely offset by your standard deduction in retirement is the most overlooked tax-free income stream – David illustrates "the Holy Grail of financial planning". HSAs, health saving accounts, are the only other financial tool that allows contributions to be tax-deductible, the growth is tax-deferred, and withdrawals can be tax-free if used for qualified medical purposes. However, HSAs come with certain restrictions on how the money must be spent… David notes that, in a perfect retirement plan, you may have as many as six different streams of tax-free income. The idea behind it is to take advantage of every nook and cranny in the IRS tax code instead of relying on just one tax-free account.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Mitt Romney

What do the ultra-wealthy actually do to minimize taxes, build wealth, and protect their legacy? In this interview, I sit down with Toby Mathis ( @TobyMathis ) from Anderson Business Advisors to break down the real (and simple) strategies high-income earners and investors are using. We talk through why HSAs might be one of the most overlooked tax tools, how the “buy, borrow, die” strategy actually works, and the truth behind paying "zero in taxes". We also get into why diversification matters more than chasing trends, how to automate your investing for long-term growth, and how to start thinking about legacy planning, no matter where you're at financially.Watch the Video on Youtube for Visuals - https://youtu.be/9RXthy7wNgIWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarityLearn More About BetterWealth: https://betterwealth.comConnect with Toby: TAP Registration: https://aba.link/6dda02Free Emergency Binder (Digital): https://aba.link/8f3036Emergency Binder (Physical copy): https://aba.link/e0ad9aChapters:01:21 - Introduction02:14 - Toby Mathis's Backstory05:48 - Principles of Wealth: Make, Keep, and Grow09:14 - Financial System: The 70/30 Rule11:48 - "401k Millionaires" Through Discipline14:24 - Why entrepreneurs often struggle as investors due to risk-taking tendencies?16:59 - Impact of Legacy Planning19:26 - Legacy Through Trusts26:34 - Understanding Tax Planning31:46 - Tax Strategies VS Those That Are Mostly "HYPE"37:21 - S-Corps and C-Corps39:32 - Wealth-Building Assets46:13 - Toby's 30/30/30/10 Rule for Portfolio Diversification48:41 - "Buy, Borrow, Die" Strategy53:52 - Asset Protection and Maintaining Financial Privacy58:52 - Living Trust VS Standard Will01:01:11 - Emergency Binder01:03:00 - Why being overly public about your finances can lead to increased legal target risks?01:06:20 - Final ThoughtsDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

1005. Is your company "returning" your retirement savings? In this episode, Laura answers a listener question from Jay P., who is frustrated that his contributions keep getting bounced back as taxable income. If you're a high earner or a diligent saver, nothing is more frustrating than seeing your hard-earned 401(k) contributions returned to your checking account. But why does the IRS penalize you just because your coworkers aren't saving enough? In this episode, Laura breaks down the "Highly Compensated Employee" (HCE) rules and explains exactly why your retirement plan might be failing its annual nondiscrimination tests. More importantly, she shares the specific steps you can take to keep your momentum going even when your workplace plan hits a ceiling. Laura goes over: The HCE Threshold: The specific 2026 income and ownership limits that trigger these IRS rules. The "Safe Harbor" Solution: How to pitch a plan upgrade to your HR department that eliminates testing forever. Tax Fallout: How to handle the tax liability of returned pre-tax vs. Roth contributions. Pivot Strategies: Three powerful "Plan B" accounts—including HSAs and Roth IRAs—to house your returned cash so it stays invested for the long haul. 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-newsletter https://www.facebook.com/MoneyGirlQDT  

1004. This week, Laura explains how to identify and fix overcontributions to your 401(k), IRA, and HSA. You'll learn the specific deadlines for 2026 to remove excess funds penalty-free and how to handle the tricky tax paperwork that follows. In This Episode: The Cost of Mistakes: Why IRAs and HSAs carry a 6% annual penalty for excess funds, and how 401(k) errors can lead to double taxation. 2026 Contribution Limits: The max limits for workplace plans ($24,500), IRAs ($7,500), and HSAs ($4,400–$8,750), including catch-up rules for those over 50 and 60. Common Pitfalls: How switching jobs, receiving year-end bonuses, or earning too much for a Roth IRA can trigger an accidental overcontribution. The Correction Timeline: Why April 15 is a hard deadline for workplace plans, while IRAs and HSAs offer flexibility until October 15 with an extension. New 2026 Rules: What high earners (making over $150k) need to know about the new mandatory Roth catch-up contributions. Step-by-Step Fixes: How to work with your account custodian to calculate earnings (or losses) and file the correct tax forms (1099-R, 1099-SA).

Roger Whitney dives into practical strategies for navigating health care before Medicare, sharing insights from retirees, survey results, and listener questions. Together they explore real-world solutions for coverage gaps, timing withdrawals, and managing medical expenses in early retirement.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement but have confidence in your financial and life decisions.(00:40) Roger introduces the focus: pre-Medicare health care, survey insights, and practical strategies.LISTENER EXPERIENCES AND STRATEGIES(03:00) Roger shares experiences and questions from listeners navigating pre-Medicare coverage. They discuss timing COBRA versus ACA transitions, evaluating company retiree plans, managing risk when uninsured, and creative strategies like catastrophic insurance, health-sharing plans, and part-time work benefits. Listeners also explore using HSAs and inherited IRAs to manage costs and maximize subsidies, providing a broad view of practical approaches for early retirees.ROCKING RETIREMENT IN THE WILD(32:50) Jennifer retires at 59½, discovers watercolor painting, fitness classes, and increased spending patterns in early retirementSURVEY INSIGHTS(37:08) Roger summarizes key takeaways from over 400 survey respondents.SMART SPRINT(48:19) Action step: identify your “homies” for retirement planning. Notice how your closest relationships influence your retirement experience and take one step this week to strengthen those connections.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

What does an $8 million physician net worth actually look like—and how was it built? In this episode, Dr. Jim Dahle sits down with a physician who started with very little and methodically built a multimillion-dollar net worth over time. They walk through the key decisions, habits, and tradeoffs that mattered most, and the lessons other doctors can apply to their own path to wealth. This conversation goes beyond inspiration and focuses on practical takeaways for physicians building wealth: consistency, patience, avoiding big mistakes, and staying disciplined over decades—not chasing shortcuts. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today by email info@protuity.com or by calling (973) 771-9100. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 00:00 Inside an $8 Million Physician Net Worth 02:44 From Nothing to Multimillionaire: A Physician's Story 17:04 Lessons for Doctors Building Wealth 19:36 HSAs