Podcasts about IRAS

New Trump accounts are now open for enrollment, and the question we're hearing from clients isn't whether they're worth considering. It's how they stack up against the accounts families have already been using for years, 529 plans, UTMA and UGMA custodial accounts, brokerage accounts, and Roth or traditional IRAs for kids. This episode is the follow-up to our first Trump accounts conversation, and it's the one to listen to if you're trying to figure out which account, or which combination of accounts, actually fits your family's goals.Taylor Wolverton, our Director of Financial Planning and Tax Strategy, joins Murs Tariq again to walk through each option side by side. They cover contribution limits, tax treatment, distribution restrictions, and the one detail about Roth IRAs that most social media advice leaves out entirely. There's no single best account here, and that's the point. The right strategy usually combines two or three of these tools, and this episode gives you the framework to figure out which ones belong in yours.In this episode, find out:Why Trump accounts don't require your child to have earned income, and how that changes the math compared to a Roth IRAHow the Trump-account-to-Roth conversion works once your child turns 18, and why timing it right could mean decades of tax-free growthWhat's changed about 529 plans that makes them far more flexible than the version most parents remember, including the new Roth rollover optionThe real trade-off behind UTMA and UGMA custodial accounts, and why control matters more than most families realize until it's goneThe one requirement missing from nearly every "open your kid a Roth IRA" post you see online, and what to do about it if your kids aren't earning yetTweetable Quotes:"There's not one that's just like, quote unquote, best. It really depends on what your goal is with these accounts and what you're trying to accomplish." — Taylor Wolverton"The Trump account kind of helps you navigate building that wealth without having to worry as much about earned income." — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

1039. Laura answers a listener's question about managing multiple 401(k)s with her current and previous employers. Find out the pros and cons of holding old retirement plans, how to streamline your strategy, and simultaneously reach other financial goals, like homeownership.Key takeawaysConsolidating old retirement plans into one low-cost IRA or your current employer's plan simplifies your asset allocation and protects your retirement growth from redundant account fees.Always request a direct trustee-to-trustee rollover when moving funds between retirement accounts to eliminate the risk of missing the strict 60-day deadline.Workplace retirement plans offer federal protection against creditors with no dollar limit. IRAs are protected by state-specific laws, making plan-to-plan rollovers an attractive choice for those prioritizing maximum creditor protection. First-time homebuyers can withdraw up to $10,000 penalty-free (but not tax-free) from an IRA ($20,000 for qualifying married couples) for a primary residence.Early retirement withdrawals for a home down payment should generally be secondary to building a dedicated home down payment savings fund.Discover more from Money Girl!FacebookMoney Girl NewsletterThe Money Stack NewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

An individual retirement account, or IRA, can be a valuable tool for long-term saving. But like any financial tool, it needs to be understood and used wisely. Proverbs 18:15 says, “An intelligent heart acquires knowledge, and the ear of the wise seeks knowledge.” That's good wisdom for every area of life, including how we manage money. As stewards, we don't want to make financial decisions simply because an account is popular or because someone told us we ought to have one. We want to understand the tools available to us and use them with wisdom, patience, and trust in the Lord. So, how well do you really know your IRA? Let's walk through a few common misconceptions with a simple true-or-false quiz. True or false: You can contribute to an IRA even if you already have a retirement plan through your employer. True. You can contribute to a traditional or Roth IRA even if you also participate in a 401(k), 403(b), or another workplace retirement plan. In 2026, the total amount you can contribute across all your traditional and Roth IRAs combined is $7,500, or $8,600 if you're age 50 or older. You'll need enough taxable compensation to support your contribution, and income limits may affect whether you can deduct a traditional IRA contribution or contribute directly to a Roth IRA. The important point is that having access to a workplace retirement plan does not necessarily prevent you from contributing to an IRA. These accounts can often work together as part of a thoughtful long-term strategy. True or false: An IRA is an account that holds investments, not an investment by itself. True. Think of an IRA as a container. The account itself provides certain tax advantages, but what happens to the money depends largely on the investments you choose to hold inside it. Depending on your IRA custodian, those investments might include mutual funds, exchange-traded funds, stocks, bonds, money market funds, or other investment options. That distinction matters. Sometimes someone will say, “I bought an IRA,” when what they really mean is that they opened an IRA and then invested the money inside it. The IRA is the account. The investments within that account determine how the money is put to work. There are also limits on what an IRA can hold. IRA funds generally cannot be invested in life insurance or collectibles. Certain precious metals may qualify if they meet specific IRS requirements and are held properly. Self-directed IRAs can provide access to more specialized investments, but greater flexibility can also bring greater complexity and risk. As with any financial decision, it's important to understand what you own and why you own it. True or false: Your will determines who receives your IRA, regardless of the beneficiary listed on the account. False. An IRA allows you to name one or more beneficiaries who will receive the account when you die. Those assets generally transfer directly to the beneficiaries outside of probate. In most cases, the beneficiary designation on the account takes precedence over what your will says. That's why beneficiary designations shouldn't be treated as something you set once and forget. Review them periodically, especially after major life changes such as marriage, divorce, the death of a spouse, or the birth or adoption of a child. Estate planning is about more than documents. It's about making your intentions clear and preparing well for those who may one day steward what you leave behind. True or false: Traditional IRAs are subject to required minimum distributions. True. Traditional IRAs are generally subject to required minimum distributions, commonly called RMDs. For those subject to the current age-73 rule, the first distribution generally must be taken by April 1 of the year following the year you turn 73. After that, annual RMDs are typically due by December 31. Failing to withdraw the required amount can result in a significant tax penalty, though that penalty may be reduced when the mistake is corrected promptly. Roth IRAs work differently. The original owner generally does not have to take required minimum distributions during his or her lifetime. Because contributions are made with after-tax dollars, qualified withdrawals can also be tax-free. Those differences are important when deciding how various retirement accounts may fit into your broader financial plan. Retirement Accounts Are Tools, Not Our Security So, how did you do on the quiz? The goal isn't to become a retirement expert overnight. It's to keep growing in wisdom. An IRA can be a useful tool for preparing for the future, but no retirement account can provide ultimate security. Our hope is not in an IRA, a pension, a 401(k), or the number on a balance sheet. Our hope is in Christ. That changes the deeper question we ask about retirement planning. Instead of simply asking, “How much can I accumulate?” we can also ask, “Am I using what God has entrusted to me in a way that reflects faithfulness, generosity, and eternal priorities?” Retirement accounts are simply tools in the hands of a steward. Understanding how they work helps us use them wisely—but remembering whom they ultimately belong to helps us use them faithfully. On Today's Program, Rob Answers Listener Questions: I'm 68, and my husband is 71. We're retired with about $500,000 invested, a $100,000 mortgage at 2.75%, and a $30,000 car loan at 4.99%. We wanted to pay them off from our investments, but our advisor says the tax bill would be about $37,000 and recommends using a HELOC instead, then making one annual payment from our investments. Does that strategy make sense? He also recommends a trust, but we already have wills and our final arrangements paid for. Why might we still need one? My grandson is moving to Bali for two years for work. Should he send his earnings back to the U.S., or open a local bank account and keep the money there? I'm 61 and hope to retire at 63. About 80% of our retirement savings is pre-tax, and 20% is Roth. If we withdraw from pre-tax accounts first, our income could exceed the ACA subsidy limits. Should we consider Roth conversions or use Roth withdrawals earlier to better manage our MAGI and healthcare costs? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How well do you know your IRA? An Individual Retirement Account can be a helpful tool for long-term saving; however, like any financial tool, it needs to be understood and used wisely. On the next Faith & Finance Live, Rob West walks through a few common misunderstandings, and he may even clear up some uncertainty along the way. Then, it’s on to calls. That’s Faith & Finance Live—where biblical wisdom meets today’s financial decisions—weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Funding, not deals, is often the real bottleneck in real estate investing. If you've been relying on banks or hard money lenders, you already know how slow, expensive, and restrictive they can be. In this episode of Marketer of the Day, Jay Conner, who has flipped and rehabbed over 500 single-family properties in eastern North Carolina and automated his seven‑figure business down to less than 10 hours a week, shows you a different path: private money. Since 2009, Jay hasn't missed out on a single deal due to lack of funding. He breaks down exactly what private money is (and what it's not), how it differs from hard money and bank financing, and why working directly with individual private lenders can transform your speed, flexibility, and profit margins. You'll discover how everyday people, often using self-directed IRAs, can become your lenders, earning solid, secured returns while you gain fast, reliable funding for your flips, rehabs, and single-family projects. Jay walks through his relationship-first approach to finding and educating private lenders, including how he “diagnoses” whether someone has an investment problem before ever offering a solution. You'll hear why the old saying “get the deal and the money will show up” is dangerous, and how Jay instead lines up capital first, then uses his signature “good news phone call” to place his lenders' money, without ever “asking for money.” He also shares his preferred strategies for single-family deals, from flipping and MLS resales to lease options, rent-to-own, and work-for-equity exits. You'll learn his simple formula for not overpaying for properties, how he protects his lenders with conservative loan-to-value (LTV) limits, proper collateralization, and why he often gets paid to buy houses by borrowing up to 75% of the after-repaired value (ARV). Jay explains how strong relationships with attorneys, title companies, and lenders allow him to confidently offer seven-day closings that sellers love. https://youtu.be/LttbnLZFK8M?si=Sbsqi0MAtm0LPx45 Jay also highlights his national best-selling book, Where To Get The Money Now: How and Where to Get Money for Your Real Estate Deals Without Relying on Traditional (or Hard Money) Lenders, which lays out his full system for raising and structuring private money. Combined with his scripts, frameworks, and real-world examples, this episode shows that raising private capital doesn't have to be complicated or salesy; it can be a straightforward, repeatable system that fuels your deals and builds real wealth for both you and your lenders. Quotes: “One of the biggest lies in real estate is ‘get the deal under contract, and the money will show up.' That's the most stupid thing I ever heard in my life.” “I want my private lenders to think of themselves as the bank. They're secured by a note, a deed of trust, insurance, and title; just like the bank would be.” “Private money is a simple business once you understand the moving parts; most new investors fail because they overcomplicate it.” Contact Details: Visit Jay Conner's website and Discover Proven Private Money Strategies Secure your Seat at the Private Money Conference Connect with Jay Conner on LinkedIn for Expert Insights on Private Money Lending Follow Jay Conner on Facebook for Expert Tips on Private Money Apple Podcasts: Raising Private Money with Jay Conner Subscribe to Jay Conner's YouTube Channel to Start Learning Private Money Funding Tips Follow Jay Conner on Instagram for Insights on Private Money Grab your Copy of Jay Conner's Book Unlock Jay Conner's Proven Private Money Scripts by Downloading them for Free Today! Where To Get The Money Now on Amazon

Your home may be more than a place to live in retirement. For some homeowners, it can also become a strategic financial resource—one that may help manage taxable income, protect investments during market downturns, and create greater flexibility around retirement withdrawals. Harlan Accola, who leads the reverse mortgage team at Movement Mortgage, joined the show today to explain how a reverse mortgage—specifically a Home Equity Conversion Mortgage, or HECM—can fit into a thoughtful retirement income strategy. A reverse mortgage is not right for everyone. But when used carefully as part of a broader financial plan, home equity may provide retirees with options they would not otherwise have. Why Reverse Mortgage Proceeds Are Different From Income One of the most common misconceptions about reverse mortgages is that homeowners sell or give up ownership of their homes. That is not the case. A reverse mortgage is a loan secured by the home, and the homeowner retains title as long as the requirements of the loan are met. Because the money received through a reverse mortgage is generally considered loan proceeds rather than earned or investment income, it is not typically included as taxable income on a federal income tax return. That distinction can be significant in retirement. Many retirees rely on a combination of Social Security, pensions, traditional IRAs, and 401(k)s. Withdrawals from tax-deferred retirement accounts generally increase taxable income, potentially affecting tax brackets and other income-based thresholds. Home equity can provide another source of cash. Instead of withdrawing every needed dollar from a traditional IRA or 401(k), a retiree may be able to strategically use home equity for a portion of living expenses. That could reduce the amount that must be withdrawn from taxable retirement accounts in a given year. The goal is not simply to avoid taxes. It is to thoughtfully manage when and how taxable income is recognized. Managing Retirement Withdrawals More Strategically Taxes in retirement are often about timing. Withdraw too much from a traditional retirement account in one year, and you may move into a higher tax bracket or cross other important income thresholds. Later in retirement, required minimum distributions can further limit how much control retirees have over taxable withdrawals. Social Security also adds another consideration. Depending on a retiree's income, up to 85% of Social Security benefits may be subject to federal income tax. That makes coordinating income sources especially important. For some retirees, access to home equity may allow them to take smaller taxable distributions during certain years while drawing on a reverse mortgage for additional cash needs. Meanwhile, money that remains invested has more opportunity to continue growing. That does not mean borrowing against a home is always preferable to withdrawing from investments. Reverse mortgages have costs, interest accrues on the loan balance, and using home equity reduces the equity that may otherwise remain available later. The question is whether strategically combining these resources could produce a better overall retirement outcome. Creating Flexibility for Roth Conversions Home equity may also play a role in Roth conversion planning. A Roth conversion involves moving money from a traditional IRA or other eligible tax-deferred retirement account into a Roth IRA. The amount converted is generally taxable in the year of the conversion, but qualified Roth withdrawals in retirement are tax-free. For some retirees, converting portions of traditional retirement accounts during lower-income years can make sense. The challenge is paying the resulting tax bill. Suppose someone converts a significant amount from a traditional IRA and then withdraws even more from that IRA to pay the taxes. That additional withdrawal can create additional taxable income, potentially making the strategy less efficient. A reverse mortgage may provide another option. Home equity could potentially be used to cover living expenses or the tax liability associated with a Roth conversion, allowing the retiree to better control how much is withdrawn from taxable retirement accounts. Over time, carefully planned conversions can also reduce the amount remaining in traditional accounts that may eventually be subject to required minimum distributions. Roth conversions involve many variables—including current and future tax rates, income needs, Medicare considerations, estate goals, and the retiree's overall financial picture—so they should be evaluated with qualified tax and financial professionals. Protecting Investments During Market Downturns Another potential use of a reverse mortgage is addressing what financial planners call sequence-of-returns risk. Sequence risk refers to the danger of experiencing significant investment losses early in retirement while simultaneously withdrawing money from the portfolio. Imagine that the market falls sharply and a retiree must sell investments to pay living expenses. Those shares are sold at depressed prices and are no longer invested when markets eventually recover. That combination of losses and withdrawals can make it much harder for a portfolio to recover. For retirees with sufficient home equity, a reverse mortgage line of credit may serve as what some planners call a buffer asset. Instead of selling investments during a severe market decline, a retiree might temporarily draw from home equity. When markets recover, withdrawals could shift back to the investment portfolio. Depending on the loan and financial circumstances, homeowners may also choose to repay some of what they borrowed, preserving greater home equity for future use. The broader principle is diversification—not merely among investments, but among the resources available to fund retirement. Home Equity Is a Tool, Not the Goal For many Americans, their home represents one of their largest financial assets. Yet traditional retirement planning often treats that wealth as untouchable until the home is sold or passed to heirs. A reverse mortgage can provide another option. That does not mean every retiree should borrow against a home. The costs, interest, estate implications, housing plans, and long-term needs all matter. Homeowners must also continue meeting loan requirements, including paying property taxes, homeowners insurance, and maintaining the property. But for the right household, home equity may become one piece of a coordinated retirement strategy—helping manage taxable withdrawals, create flexibility for Roth conversions, or avoid selling investments at an unfavorable time. As stewards, the goal is not simply to preserve every dollar of home equity or maximize every investment account. It is to wisely consider all the resources God has entrusted to us and use them with purpose. A home is first a place to live. But in retirement, it may also be a financial resource worth thoughtfully considering as part of the bigger picture. To learn more about reverse mortgages and Movement Mortgage, visit FaithFi.com/Movement. On Today's Program, Rob Answers Listener Questions: My daughter turns 20 in December and recently earned her nail technician license, but she isn't working yet. How can I help her start building credit and develop good saving habits? My husband and I are considering a reverse mortgage. Would we still own our home, and could we eventually sell it to a family member if we want to keep it in the family? I live on Social Security, have a paid-off home, a four-month emergency fund, and $75,000 in a CD. I received an offer to buy $5 gold pieces for $469 each, with a minimum purchase of five. Would buying gold like this be a wise move for me? My husband passed away, I used up my savings, and now I'm overwhelmed by debt. I enrolled in a debt-relief program that promised to lower my interest rates, but I'm not seeing much progress. What should I do next? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Movement Mortgage Capital One Savor Rewards Card for Students Bankrate | NerdWallet Open Hands Finance FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What should you do when a large sum of money suddenly comes your way? In this episode of Without the Bank, Mary Jo Irmen explains pratical financial strategies and how to think through a lump sum from an inheritance, business sale, real estate transaction, oil or mineral income, death benefit, or other unexpected source of money. Mary Jo compares different ways to structure and manage a lump sum, including IRAs, annuities, CDs, brokerage accounts, and properly designed life insurance. She discusses liquidity, taxes, market risk, required distributions, long-term care, future cash flow, and how your decisions may affect the money you leave to your heirs. The central question is not simply, "Where should I put the money?" It is: "What is this money supposed to accomplish, and how can I structure it around my life, cash flow, and legacy goals?" Mary Jo also shares examples involving oil income, inherited wealth, and a potential $17 million death benefit to illustrate why large sums require careful planning rather than an impulse purchase or a rushed investment decision. Chapters 00:00 Don't Blow the Windfall 00:26 Welcome and Big Money Questions 00:52 What Counts as a Lump Sum 01:27 Small Windfalls and Premium Reality 03:17 Single Premium and Tax Tradeoffs 03:51 Oil Money and Irregular Income 05:29 Where to Park Extra Cash 11:05 Spending Traps and Lottery Lessons 12:47 Skepticism on High Return Promises 17:21 Why Life Insurance Wins Long Term 18:55 Long Term Care and Legacy Goals 21:18 Key Takeaways and Next Steps

COULD YOUR WITHDRAWAL STRATEGY HURT YOUR RETIREMENT? WATCH ON YOUTUBE Tyler Cunningham, CFP®, CEPS, CDFA® Financial Planner Tessa Hall Media and Communications Specialist About This Episode Could your retirement withdrawal strategy have a greater impact than your investment returns? In this episode of Healthy, Wealthy & Wise, Tessa Hall speaks with BWFA Financial Planner Tyler Cunningham about sequence of returns risk and why the timing of withdrawals can significantly influence retirement outcomes. Although two retirees may earn the same average rate of return, the order in which those returns occur can produce very different long-term results. Tyler explains why creating cash reserves, strategically structuring retirement income, and understanding distribution options can help reduce unnecessary risk. He also discusses when rolling assets from an employer-sponsored retirement plan to an IRA may provide greater flexibility for managing retirement income. To learn more about BWFA’s Financial Planning services, visit our Financial Planning page. Read Full Description Two retirees can have nearly identical portfolios and earn the same average rate of return. Yet one may reach a very different financial outcome than the other. One reason is sequence of returns risk, which refers to the order in which investment gains and losses occur after retirement. In this episode of Healthy, Wealthy & Wise, Tessa Hall speaks with BWFA Financial Planner Tyler Cunningham about why withdrawal timing matters. Tyler explains how taking retirement distributions during a market decline can permanently reduce a portfolio’s value. He also discusses why preparing before retirement is just as important as selecting the right investments. The conversation explores practical strategies that may help reduce sequence of returns risk. Tyler explains why maintaining cash reserves or fixed income investments can help retirees avoid selling investments during market downturns. He also discusses how creating separate income “buckets” may improve long-term retirement outcomes. The episode also examines the differences between employer-sponsored retirement plans and IRAs. Tyler explains why IRAs often provide greater flexibility when selecting which investments to sell for retirement income. In addition, he discusses common withdrawal mistakes and why distribution planning should consider both investment performance and taxes.

Most of the folks at Fox News last week looked like they would rather endure a drug-free root canal performed by a trained chimpanzee than talk about Trump's disastrous war in Iran. The conflict that was supposed to be over in a matter of weeks has dragged on for months with no real end in sight.More American troops have paid the ultimate sacrifice as Iran managed to strike U.S. a military base in Jordan. As soon as the first retaliatory strike was launched at an Iranian target gas prices spiked.As the midterm elections loom Trump is dropping like a stone in the polls. Most of the president's campaign promises have not materialized as grocery prices remain stubbornly high, mortgage rates have spiked, Black and Latino unemployment are higher now than when Trump started his second term, the national debt has increasedand residential electricity rates have gone up in nearly every state.The war in the Middle East will only make everything worse for Trump as it has caused an increase in the price of petroleum-based fuels along with fertilizer. His plan to add additional tariffs to nearly every country on planet earth won't ease the affordability crisis.The president continues to boast to the American public about a booming stock market, but the average citizen won't touch most of their investments until retirement. The gains they might see in their 401(k) plans, IRAs or stock portfolios are just Monopoly money until they sell.Trump is slowly sinking a ship he managed to pull out of the depths of his party's losses in 2020 and the riot on January 6th.Last week Fox News hosts openly called the war unpopular and questioned how the so called decimated Iranian military was able to strike U.S. targets. Jesse Watters was the only Fox News hosts who has not lost faith. Even Sean Hannity couldn't muster much enthusiasm for the conflict.Producers at The Five decided the war wasn't even worth covering so it wasn't mentioned for most of the week. Laura Ingraham spent more time discussing the woke leadership at the Smithsonian National Museum of American History.The network put far more focus on trashing Democrats last week than covering a regional Middle East conflict that could spiral out of control at any moment. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit decodingfoxnews.substack.com/subscribe

For many Americans, the idea of retiring before age 59 and a half often seems out of reach, particularly when the bulk of their savings sits in an employer-sponsored 401(k) or 403(b) plan. Traditionally, the tax code penalizes early withdrawals from these accounts. However, the Rule of 55 could open the door to a more flexible, penalty-free early retirement. On this episode, I'll share more about this IRS provision, who qualifies, how to use it wisely, and potential hazards to avoid.   You will want to hear this episode if you are interested in... [00:00] Overview of the Rule of 55 and its relevance to retirement savers [02:20] IRS provision allowing penalty-free withdrawals before age 59½ [05:03] Withdrawing from employer 401k early [07:19] Understanding the Rule of 55 [10:06] Common scenarios where Rule of 55 is useful [12:11] Does not apply if funds are rolled into an IRA    A Deep Dive Into the Rule of 55 The IRS usually limits penalty-free withdrawals from retirement plans until you are 59½. Withdrawals before then typically face a 10% early withdrawal penalty on top of regular income taxes. The Rule of 55 is an exception, allowing people who leave their jobs in or after the calendar year they turn 55 to access funds from their employer's plan without being penalized.   There are several conditions to qualify: You must have left (voluntarily or involuntarily) your employer on or after reaching age 55 within the same calendar year. The funds must remain in the retirement plan of your most recent employer; this rule does not apply to old 401(k)s or IRAs.   Who Qualifies for the Rule of 55? To benefit from the Rule of 55, you must separate from your employer (by retiring, being laid off, or quitting) in the year you turn 55 or later. Importantly, the provision only applies to the plan at your most recent employer. If you have funds in 401(k)s from previous jobs, they are not eligible—unless you move those funds into your current employer's plan before you separate. This rule does not apply to IRAs of any kind.   Strategic Considerations Before Using the Rule Accessing your retirement funds early can provide flexibility, but there may also be drawbacks. Consider the following aspects before making withdrawals:   1. Plan-Specific Rules Not every employer allows post-separation distributions that leverage the Rule of 55. Check your plan document or HR department to confirm eligibility. Some plans may even restrict withdrawals to lump-sum distributions—a move that could trigger a significant tax event.   2. Tax Implications The Rule of 55 lets you avoid the 10% early withdrawal penalty, but income taxes still apply to distributions from pre-tax 401(k)s. If you're withdrawing from a Roth 401(k), only qualified distributions escape taxation, earnings could still be taxed if the account isn't at least five years old or you haven't reached 59½.   3. Returning to Work You can still take penalty-free withdrawals from your old plan and work elsewhere, you just can't return to the same employer and continue penalty-free distributions from that plan.   4. Preserving Your Nest Egg Large or ill-timed withdrawals can erode your investments and disrupt your long-term retirement security. It's crucial to view withdrawals in the context of a potential 25- to 35-year retirement span.   Common Scenarios and Use Cases   Unexpected Job Loss: After an unexpected layoff at age 57, you can supplement your income using penalty-free 401(k) withdrawals until age 59½. Bridging Pension Gaps: If your pension doesn't kick in until 60 but you retire at 56, the Rule of 55 can provide necessary cash flow for those interim years. Semi-Retirement Transitions: Those shifting to part-time work or consulting may use partial withdrawals to cover living expenses while ramping up new income streams.   Using the Rule of 55 requires careful planning and a clear understanding of your plan's rules and your long-term income needs. Before making any moves, consult with a financial advisor to develop a sustainable retirement withdrawal strategy. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Topic no. 558, Additional tax on early distributions from retirement plans other than IRAs   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

There is over $33 trillion sitting in U.S. retirement accounts, yet millions of Americans leave their financial futures entirely in the hands of Wall Street. In this episode, Kris Krohn sits down with attorney and self-directed IRA expert Mat Sorensen to discuss how you can take total control of your retirement funds. Learn how to leverage self-directed IRAs and 401(k)s to build tax-free wealth through real estate and alternative investments, avoid costly legal mistakes, and stop settling for mediocre returns.

Bill and Andy Bush open with the one regret they've never heard from a retiree: "I saved too much." Drawing on conversations with plan participants, they explore the regrets people do voice — wishing they'd started earlier, stayed invested, or captured more of the company match — and why those missed opportunities can't be recovered once a contribution year lapses. The brothers make the case for balance, weighing Bill Perkins' "Die with Zero" philosophy of enjoying the here-and-now against the risk of shortchanging your future self. Along the way they dig into maximizing the match, the underused 50-plus and 60-to-63 "super" catch-up contributions, the new Roth catch-up rule for high earners, and the triple-tax-advantaged power of the HSA. They close with a mid-year nudge to review your savings rate and a reminder that money should buy choices, not guilt. ⏱ Episode Timeline & Key Topics 00:03 – Welcome & The Regrets We Hear Bill and Andy open the show with the common regrets they hear from plan participants: "I wish I'd saved more," "I wish I'd stayed in the market," "I wish I'd started earlier," and "I wish I'd taken the match longer." 00:53 – The One Regret Nobody Voices Nobody ever says they saved too much. Andy reframes the goal as balance — saving for later without abandoning a reasonable lifestyle now, or vice versa. 01:34 – Why Retirement Feels Too Far Away Bill notes how "retirement feels far away" leads people to defer saving, even though early dollars have the most time to compound. Life gets expensive as competing priorities — marriage, kids, college, car and house payments — crowd out saving. 02:08 – "Die with Zero" and Valuing What Feels Endless Andy shares Bill Perkins' insight from "Die with Zero": when something feels abundant or endless, we don't fully value it — which is exactly the trap with retirement saving that still feels far off. 02:53 – Missed Opportunities, Not Saved Dollars People nearing retirement rarely regret the money they saved; the regret is around opportunities missed. Each year's contribution limit lapses and can't be refilled later. 03:34 – Deathbed Regrets and Living with Balance Andy recalls that the biggest end-of-life regrets are rarely about working harder — they're about relationships, taking risks, and speaking up. The takeaway: plan forward for a long life while keeping balance today. 04:41 – Know How Your Company Match Works Bill urges participants to understand and maximize the match — an instant return, whether dollar-for-dollar or 50 cents on the dollar — and to capture that opportunity every year. 05:06 – When "Just the Match" Isn't Enough Andy raises the flip side: maxing the match may still fall short. The key questions are whether a match exists, what it is, and whether hitting it will actually be enough for your situation. 05:50 – Catch-Up and Super Catch-Up Contributions Bill covers catch-up contributions starting at age 50 and the SECURE 2.0 "super" catch-up for ages 60 to 63. Despite peak earning years, usage is low — roughly 5% of eligible 50-plus savers per the Public Retirement Research Lab, and low teens in Vanguard's How America Saves. 06:49 – Freeing Up Dollars in Your 50s As kids leave home and certain expenses fall away, your 50s can be a window to put more toward retirement — after assessing where you stand on your savings track. 07:39 – The New Roth Catch-Up Rule for High Earners Bill explains the rule rolled out this year: high earners (making $150,000 or more with an employer the prior year) who are 50-plus must make catch-up contributions as Roth. Some savers are balking — even skipping catch-ups entirely — rather than going Roth. 08:19 – Roth vs. Taxable: Why the Rule May Be a Gift Andy points out that money saved outside the plan gets taxed on dividends and gains along the way, while Roth is taxed up front and then grows and distributes tax-free. Bill notes high earners often can't deduct a traditional IRA anyway. 09:16 – The Value of Tax-Advantaged Space and the HSA The brothers highlight the range of tax-advantaged vehicles — 401(k), IRA, and the HSA, the triple-tax-advantaged account tied to a high-deductible health plan that blends the best of Roth and pre-tax. 09:49 – HSAs, Healthcare Costs, and Reimbursing Yourself Later Andy explains why the HSA may be the best retirement vehicle: healthcare becomes a bigger expense with age, and saving receipts now lets you reimburse yourself tax-free years later for big-ticket costs. 11:09 – An HSA Catch-Up Strategy for Couples Bill shares a lesser-known tip: when both spouses are 55-plus, the family contribution plus two catch-ups is allowed — but the second catch-up must go in a separate HSA. IRAs and HSAs can be funded up to the April tax deadline. 11:59 – Planning for Taxes Down the Road Andy notes most people focus only on today's taxes and overlook RMDs and legacy planning. Structuring your accounts thoughtfully can improve your future tax picture without costing much now. 12:35 – Can You Actually Save Too Much? Back to the opening question: yes, it's possible — high earners who live well within their means, or those who live so frugally the balance tips too far toward later at the expense of enjoying now. 14:01 – Money Should Buy Choices, Not Guilt Bill frames it as the balance of financial security and financial sacrifice. Savings should give you more choices in retirement — not maximize an account balance for its own sake. 15:08 – Confidence Scores and the Science of a Plan Andy describes the individual financial planning process: taking inventory of assets, income sources, and expenses to produce a confidence score across retirement ages, factoring in Social Security timing, Roth conversions, RMDs, and guaranteed income. 17:04 – Mid-Year Savings-Rate Checkup At the midpoint of 2026, Bill encourages listeners to review what they've saved in the first six months and adjust for the second half, aiming for a household savings rate near the often-cited 15% (including any match). 18:10 – "My Spouse Handles That" Andy addresses participants who leave saving entirely to a spouse — trust is great, but both partners should know whether the plan will be enough down the road. 18:39 – Wrap-Up: Better to Have Extra Than Be Short Bill contrasts arriving at retirement with $200,000 extra versus $200,000 short. Savings rates matter and long-term thinking gets you there. The brothers close with contact info — brothers, but not twins. ✅ Key Takeaways Quick Reference •             Nobody regrets saving — they regret missed opportunities — each year's contribution limit lapses and can't be refilled later, so capture it while you can •             Aim for balance, not extremes — don't sacrifice today's life entirely for the future, or the future entirely for today •             Start early to let time do the work — early dollars have the most time to compound, even when retirement feels far away •             Understand and maximize your match — a dollar-for-dollar or even 50-cents-on-the-dollar match is an instant return you should capture every year •             Maxing the match may not be enough — check whether hitting the match actually funds the retirement you want •             Use catch-up and super catch-up contributions — available at 50, with an enhanced amount for ages 60 to 63, yet only about 5% of eligible savers use them •             The Roth catch-up rule can work in your favor — high earners ($150K+) doing catch-ups must go Roth, which grows and distributes tax-free rather than getting nibbled by taxes in a taxable account •             The HSA may be your best retirement vehicle — triple-tax-advantaged, and you can save receipts now to reimburse yourself tax-free later •             Plan for future taxes, not just today's — think about RMDs, Roth conversions, and legacy before they arrive •             Money should buy choices, not guilt — the goal is confidence and options in retirement, not the biggest possible balance •             Do a mid-year savings-rate check — review the first six months and adjust; a common benchmark is around 15%, including any match

In this episode, Sean discusses Roth Planning and why it can be an important part of a long-term retirement strategy. He explains how the SECURE Act of 2019 changed the way IRAs are passed from one generation to the next, covers Roth IRA contribution limits and employer contributions, and explores how thoughtful Roth planning can help maximize retirement savings while creating greater flexibility for the future.

"Bitcoin secures over a trillion dollars in value. It has no security team." Luke de Wolf is a cybersecurity professional and author of Defending Bitcoin. Luke spent his career defending critical infrastructure, the control systems behind power grids and gas pipelines. His claim: Bitcoin is the world's first decentralized critical infrastructure, and it should be defended with the same risk-management frameworks that protect the physical world. A trillion-dollar network with no security team. And Luke is a former BIP-110 skeptic who flipped to supporting it making him a moderate who pisses off both sides. We get into the CIA triad and why availability is the whole game, people as the weakest link and the Stuxnet lesson, the real cost of running a node over time, spam as a DDoS and the hidden tax on Bitcoin, the two CVEs behind inscriptions, and the full BIP-110 fight. We discuss why he flipped, the game theory of activation, soft fork vs hard fork, the intolerant minority, and whether BIP-110 even has a failed state. This is the defender's case for Bitcoin, and the fight is happening right now. Subscribe so you never miss an episode.

What does it really take to build a happy retirement? Join Wes Moss and Christa DiBiase on this episode of the Retire Sooner Podcast as they blend retirement planning research with listener questions to explore the financial and lifestyle choices that may help shape life after work. • Learn how the five-step Retire Sooner Method brings together the financial and personal sides of retirement planning. • See how retirement "green zones" may help you think about savings, income, liquidity, and mortgage decisions. • Explore why core pursuits, strong friendships, and even better sleep have been linked to greater retirement satisfaction. • Hear practical conversations about written financial plans and other habits that may help reduce money-related stress. • Get answers to listener questions about AI financial tools, Roth conversions, bond funds versus money markets, spousal IRAs, retirement income, paying off a mortgage, reverse mortgages, and annuities. Listen and subscribe to the Retire Sooner Podcast for more educational conversations about retirement planning, retirement investing, and personal finance. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you're a business owner looking to give your child a head start with their retirement, book a call with Directed IRA to learn more about the Kid's Roth!: https://directedira.com/appointment/ Open a Trump Account here: https://trumpaccounts.gov/In this episode of the Directed IRA Podcast, Mat Sorensen and Mark J. Kohler break down one of the newest retirement savings vehicles available to families: the Trump Account. They explain who qualifies, how the account works, and why they believe it has the potential to become a powerful long-term wealth-building tool for children. The discussion goes beyond the basics, covering tax strategies, Roth conversion opportunities, employer contribution rules, and how parents can use these accounts to teach their children the importance of investing from an early age.Main Topics CoveredWhat a Trump Account is and who is eligible to open one.How the government's $1,000 contribution works for qualifying children.Annual contribution limits and who can contribute to the account.Why starting to invest early can lead to significant long-term growth through compounding.The tax treatment of Trump Accounts and why Roth conversions can dramatically improve long-term outcomes.How to navigate the "kiddie tax" and strategies for minimizing taxes during Roth conversions.Employer contribution opportunities and how business owners can potentially create tax deductions while funding a child's account.How Trump Accounts compare to the Kids Roth IRA strategy and when each may make sense.Why investment flexibility after age 18 can create even greater wealth-building opportunities through self-directed IRAs.The importance of teaching children about investing so they understand how to preserve and grow their retirement savings for the future.Whether you're a parent, grandparent, or business owner, this episode provides practical strategies for helping the next generation build wealth while taking advantage of new tax-advantaged opportunities.For questions or to learn more about this episode's topic, book a call with an IRA specialist here: https://directedira.com/appointment/Interested in learning more about alternative investments? Join us this year at the Alternative Asset Summit October 22 & 23, where you'll hear from industry experts and connect with like-minded investors exploring new ways to build wealth: https://altassetsummit.com/Other:Mat Sorensen: https://matsorensen.comMark J. Kohler: https://markjkohler.com/ KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

Looking to take more control of your retirement investments? Directed IRA helps investors diversify beyond traditional stocks and mutual funds by investing retirement funds into alternative assets like real estate, private funds, private lending, startups, crypto, and more. Schedule a call to get started: https://directedira.com/appointment/We've also published a detailed breakdown of the proposed legislation and what it could mean for self-directed IRA investors:https://directedira.com/new-legislation-targeting-self-directed-iras/Self-directed IRAs have helped investors build wealth by investing in alternative assets like real estate, private companies, private lending, crypto, and more. Now, a newly proposed bill in Washington, D.C. has sparked concerns about the future of retirement accounts.In this video, we break down the proposed legislation, why it was introduced, who it targets, and what it could mean for self-directed IRA investors. We also discuss what the proposal does not change, including the ability to continue self-directing your retirement account under current law.Whether you're already investing with a self-directed IRA or just exploring your options, this episode will help you understand the facts behind the headlines and what to watch as the proposal moves through Congress.In this video, you'll learn:• What the proposed legislation aims to change• Who could be affected by the bill• Why retirement accounts over $10 million are being targeted• What remains unchanged for most self-directed IRA investors• What to keep an eye on as the proposal developsFollow for more education on self-directed IRAs, alternative investments, and retirement strategies to help you invest with confidence.For questions or to learn more about this episode's topic, book a call with an IRA specialist here: https://directedira.com/appointment/Interested in learning more about alternative investments? Join us this year at the Alternative Asset Summit October 22 & 23, where you'll hear from industry experts and connect with like-minded investors exploring new ways to build wealth: https://altassetsummit.com/Other:Mat Sorensen: https://matsorensen.comMark J. Kohler: https://markjkohler.com/ KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

62% of Gen X adults have zero estate planning documents — a higher rate than Gen Z, Millennials, or Baby Boomers. The generation carrying the most financial complexity is the least protected, and almost nobody is saying it out loud.In this episode, Nathan Croxford and Taylor Stone break down the four pressures hitting Gen X at the same time: supporting aging parents and kids simultaneously, inheriting IRAs under a brutal new 10-year distribution rule, approaching the biggest business exit of their lives, and doing all of it with outdated or nonexistent plans. They make the case for why right now — at peak earning and peak complexity — is the moment to actually build one.Key Takeaways:The Sandwich Squeeze: Why nearly half of adults in their 40s and 50s are supporting an aging parent and a child at the same time — and what happens when neither generation has the right documents in place.The Inherited IRA Time Bomb: How the SECURE Act's 10-year rule replaced the old "stretch IRA," and why inheriting a retirement account during peak earning years can push every dollar into the highest tax bracket.The Business Exit Window: How a $2–10M business sale can trigger $400K–$2M+ in taxes without pre-exit planning — and why the strategy has to start years before the sale, not after.The Outdated Plan Problem: Why a trust from 2011 with beneficiaries from when the kids were toddlers can be just as dangerous as having no plan at all.Nathan Croxford and Taylor Stone are practicing attorneys at Voyant Legal in Utah. This episode is for educational purposes only and does not constitute legal advice. Visit voyantlegal.com or call 801.951.0500.

Have you ever wondered what truly drives someone to leap from curiosity about startups into the realm of angel investing—and what mindset shifts are crucial along the way? This episode of The Angel Next Door Podcast opens with that very question, as we explore the often untold personal and financial journeys that lie behind the checks investors write, and the ambitions founders chase. Our guest, Christa Downey, brings a unique lens as both an active angel investor and a leadership coach grounded in the vibrant startup ecosystem of Ithaca, New York. Christa Downey shares her path from engaging with the Cornell entrepreneurship community to backing mission-driven companies, investing alongside platforms like Chloe Capital and The Fourth Effect, and leveraging alternative vehicles such as self-directed IRAs to build wealth with purpose. Her commitment to fostering both financial returns and meaningful impact defines her approach and investments. In this conversation, Christa Downey dives into practical strategies for diversification, the pivotal role of money mindset for both founders and investors, and the often-overlooked emotional aspects of entrepreneurship—including navigating hard money conversations, founder agreements, and the difficult transition from founder to CEO. Listeners will gain concrete insights on angel investing, alternative wealth-building tools, and how intentional financial choices shape both companies and their leaders. This episode is a must-listen for anyone interested in reimagining their relationship with money, understanding the nuts and bolts of early-stage investing, and supporting the creation of a more inclusive, impactful startup culture.   To get the latest from Christa Downey, you can follow her below! https://www.linkedin.com/in/christabdowney/   Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing! Website: www.marciadawood.com Learn more about the documentary Show Her the Money: www.showherthemoneymovie.com And don't forget to follow us wherever you are! Apple Podcasts: https://pod.link/1586445642.apple Spotify: https://pod.link/1586445642.spotify LinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/ Instagram: https://www.instagram.com/theangelnextdoorpodcast/ TikTok: https://www.tiktok.com/@marciadawood

Your nonprofit is doing well, but you're worried you'll lose good employees if you don't offer retirement benefits. You've heard of a 401(k), but is that the right move? I'm joined by Christopher Tipper of Hunter Benefits Consulting Group to break down retirement benefit options for small nonprofits. Christopher helps us wade through the alphabet soup of 403(b)s, 401(k)s, and simple IRAs. Real Listener Question: "I'm an Executive Director of a small org, and I've been advocating to my board that it's time to offer more benefits, including a 401(k). I realize it's a selfish ask since I'd benefit too, but I think it would help us recruit and retain good people. I started researching and I'm already in over my head. How do I even begin?" Christopher and I walk through the retirement plan options that actually make sense for small nonprofits, why the 401(k) isn't always the best fit, and what the ED needs to know before pitching this to their board. What You'll Learn: What retirement plan options nonprofits can consider and which ones actually make sense Why a simple IRA might be the easiest and cheapest option for small orgs What a 403(b) is and why only 501(c)(3) organizations can offer one Why the "highly compensated employee" definition is not what you think it is What compliance really costs and what to budget per eligible employee Why AI is genuinely dangerous for retirement plan advice Bottom line: If you're the ED asking whether it's a conflict of interest to advocate for retirement benefits, stop worrying. The board decides. Your job is to make the case, not to feel guilty about being included. Resources from this Episode Learn about Christopher Tipper's firm at https://hunterbenefits.com/ Watch Christopher's videos: https://www.youtube.com/@Hunter_Benefits Previous Episode: https://birkenlaw.com/charity-therapy-podcast/ct168-flat-org-structre-pablo-otaola Episode Transcript: https://birkenlaw.com/wp-content/uploads/2026/07/CT169_Transcript.pdf Connect with Us Jess Birken: https://www.linkedin.com/in/jessbirken/ Christopher Tipper: https://www.linkedin.com/in/christophertipper/ Listen & Engage Listen on Apple Podcasts | Spotify | YouTube | Amazon Music Rate & Review on Apple Podcasts: Click "Ratings and Reviews" then "Write a Review" Send us your nonprofit questions: https://birkenlaw.com/podcast/#podcast-story   Stay Connected Sign up for the Birken Law Email list: https://birkenlaw.com/signup/   Follow us on Facebook, Instagram, Twitter

P.M. Edition for July 22. WSJ special writer Theo Francis explains how startup founders, hedge-fund managers and Silicon Valley insiders are using IRAs to supercharge their wealth. Plus, trade uncertainty comes roaring back. WSJ trade and economic policy reporter Gavin Bade explains the Trump administration's new front on tariffs. And Journal reporter Sam Federman explains how the New York Mets turned baseball's highest payroll into its biggest waste of money. Danny Lewis hosts. Sign up for the WSJ's free What's News newsletter. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Should you react every time the market swings, or is doing nothing sometimes the smartest financial move you can make? In this episode of Pivot with Darryl Lyons, Darryl explores why resisting the urge to constantly adjust your investments may lead to better long-term outcomes. Using an unexpected lesson from World Cup penalty kicks, he explains the psychology behind action bias and why investors often feel compelled to make changes even when patience is the better strategy. From understanding Roth IRAs versus traditional retirement accounts to learning how emotional decision-making can hurt investment performance, this episode offers practical insights for building confidence during uncertain markets. Darryl also shares why tax diversification, annual financial checkups, and filtering out financial noise are essential parts of a successful long-term investment strategy. You'll learn: Why doing nothing can sometimes be the best investment decision The hidden emotional cost of trying to time the stock market How Roth IRAs compare to traditional IRAs and 401(k)s Why tax diversification can create more flexibility in retirement How market volatility affects investor behavior Practical ways to stay disciplined during market uncertainty Why long-term investing often outperforms emotional reactions   Whether you're planning for retirement, navigating market volatility, or simply looking to become a more confident investor, this episode provides practical strategies to help you make thoughtful financial decisions instead of emotional ones.   Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.   Resources: What Percentage of the Time Do Stocks Go Up? - by Ira Roth Action bias among elite soccer goalkeepers: The case of penalty kicks - ScienceDirect Dow rises 423 as stocks whipsaw again – Orange County Register S&P 500 Price Return, Dividend Return, and Total Return Capital markets are adapting to retail investor growth | RSM US

"Most of the money problems we talk about with Bitcoin — they're not money problems. They're time problems." Scott Dedels — founder of Block Rewards and author of The Age of Time — says the clock is a technology. It was invented about 600 years ago, and somewhere along the way we forgot it was ever invented at all. His claim: the problem of time is upstream of the problem of money. Fiat was downstream of a civilization that had already agreed to be ruled by a machine that only moves forward, in the direction of consumption. We went from asking what is time to only ever asking what time is it. We get into the Prague Orloj and the birth of mechanical time, the 1944 essay that turned time into a commodity, Saturn as civilization's invisible operating system, why we stopped building 300-year cathedrals, AI and the information hyperstream — and Bitcoin as a ten-minute heartbeat no one controls. Subscribe so you never miss an episode.

Could a tax surprise be waiting for you in retirement? On this episode from this past weekend’s radio show, Abe Abich explains why tax planning shouldn’t begin and end on April 15th. He discusses common reasons retirees may owe more in taxes than expected, including Social Security taxation, required minimum distributions, and inherited IRAs. Abe also explores buffered ETFs and structured notes, highlighting how some investors use these tools when seeking a balance between growth potential and risk management. Plus, hear real-world retirement planning examples and the importance of having a strategy that looks beyond tax filing season. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

The Hidden Lightness with Jimmy Hinton – There are millions of real people wondering how they'll pay rent, afford groceries, purchase medication, or simply retire with dignity. President Trump recently signed an executive order establishing TrumpIRA.gov, a Treasury Department initiative designed to connect workers with high-quality, low-cost private-sector IRAs while expanding...

Can you really overhaul 50 years of money habits — and are the drivers paying the highest prices per gallon actually the ones hurting most from rising gas prices? Host Sean Pyles, CFP© and Elizabeth Ayoola are joined by senior news writer Anna Helhoski and joined by data studies Nerd, Kurt Woock, to unpack why the price on the sign at the gas station doesn't tell the whole story about how gas prices hit your budget. They break down why states like Wyoming, Oklahoma, Montana and Utah saw the biggest jumps in weekly gas spending this year — even though they don't have the highest prices at the pump — and why total spending, not the price per gallon, is what really matters when you're budgeting. Then, Sean and Elizabeth answer a question from a 50-year-old listener named David, who's trying to reset a lifetime of impulse spending and build a real retirement plan on a later timeline. They walk through catch-up contributions for IRAs, 401(k)s and HSAs, why automated savings buckets and an emergency fund matter more than ever at this stage, and how to think through the tradeoffs of claiming Social Security early versus waiting. Gas Costs (Not Just Pump Prices) Hit Some States Harder: https://www.nerdwallet.com/finance/studies/2026-gas-prices-costs Catch-Up Contributions: How They Work and 2026 Limits: https://www.nerdwallet.com/retirement/learn/catch-up-contributions Average Retirement Savings by Age: https://www.nerdwallet.com/retirement/learn/the-average-retirement-savings-by-age-and-why-you-need-more Retirement Calculator: https://www.nerdwallet.com/investing/calculators/retirement-calculator How to Invest With Your HSA — And Why You Should: https://www.nerdwallet.com/article/investing/how-to-invest-hsa NerdWallet Wealth Partners, fee-only financial advisors: https://nerdwalletwealthpartners.com/smart Smart Money's YouTube Channel: https://youtube.com/@nerdwalletsmartmoney Subscribe to our podcast's free email newsletter for bonus content and more from our hosts at https://smartmoney-nerdwallet.beehiiv.com/ 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. *The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Amos 3:3 asks, “Do two walk together, unless they have agreed to meet?” In context, the prophet is speaking of Israel's relationship with God. But the principle also reminds us of something important for marriage: a husband and wife cannot walk together well unless they are headed in the same direction. That is especially true when it comes to money. For many couples, finances become a source of tension, secrecy, resentment, or fear. But God designed marriage for unity. And when handled with wisdom, humility, and shared purpose, money can become one of the tools God uses to strengthen a couple's oneness rather than divide it. Matt Bell, Managing Editor at Sound Mind Investing and author of Starting Strong: Discovering the Good That Money Can Do in Your Marriage, joined the show today to remind us that couples can begin to see money differently when they stop thinking in terms of “yours” and “mine” and begin embracing a unified “ours.” Why Money Can Divide a Marriage Couples do not enter marriage as blank slates. Each person brings a financial story with them. That story may include how their parents handled money, whether money felt scarce or secure growing up, how debt was viewed, what saving meant, and whether spending brought joy, stress, or conflict. One spouse may naturally lean toward saving, while the other is more comfortable spending. One may want to stretch for a larger home, while the other prefers a more conservative approach. Those differences do not have to become destructive. But they do need to be acknowledged. Money disagreements are often not just about numbers. They are about fears, hopes, expectations, habits, and deeply formed assumptions. That is why patience and honest conversation are so important. Unity does not usually happen by accident. It grows through prayer, listening, humility, and a shared commitment to honor God together. Start With a Shared Vision Before couples make decisions about accounts, budgets, debt, or spending, they need to begin with a bigger question: What are we trying to do with what God has entrusted to us? Matt encourages couples to start by casting a shared vision rooted in their faith. That means praying together and committing their financial lives to the Lord. It means agreeing that everything ultimately belongs to God and that they are stewards—not owners—of what He has provided. That foundation matters because financial unity is not merely about efficiency. It is about discipleship. A couple's financial decisions should reflect their shared desire to serve the Lord, follow His Word, care for one another, practice generosity, and walk together in faithfulness. When couples begin there, they are better prepared to work through practical questions because they have already agreed on the direction they want to go. Consider the Gift of Joint Accounts One practical question many couples face is whether to combine finances or keep accounts separate. While some accounts, such as IRAs, must remain individual, Matt strongly recommends joint checking and savings accounts wherever possible. Joint accounts can foster transparency, teamwork, and trust. They help prevent secrecy and reinforce the reality that husband and wife are approaching life together. Research from Indiana University found that couples who combined their finances experienced fewer financial fights and greater marital happiness. One surprising finding was that couples with combined finances were more likely to serve one another without expecting something in return. The researchers described this as a more “communal” relationship—one marked by responding to a spouse's needs simply because there is a need. That picture fits beautifully with a biblical vision of marriage. Combining finances is not merely an administrative choice. For many couples, it can be a tangible step toward oneness. Of course, if one spouse is hesitant, the answer is not pressure or blame. The better path is prayerful conversation. Couples can return to Scripture, talk honestly about fears, and ask what practices would best cultivate unity, trust, and transparency in their marriage. Hold Regular Money Meetings Unity also requires communication. A shared vision is important, but couples need regular rhythms to live it out. Matt recommends that couples take the time necessary to create a cash flow plan that reflects their commitments and goals. At first, that may require several conversations. Once the plan is in place, couples can schedule a monthly meeting—perhaps 60 minutes at the end of each month—to review how things went and what needs to change. Over time, those meetings may become shorter. But the goal is not simply to look backward and see what happened. The goal is to manage money intentionally throughout the month. That means checking the plan before spending. Before heading to the grocery store or buying clothes, couples can look at the relevant category and let that information guide their decisions. This kind of ongoing communication helps prevent surprises and keeps both spouses engaged. A cash flow plan should not feel like a punishment. It is not mainly about restriction. It is about direction. It gives couples more knowledge, more intentionality, and more freedom to use money for what matters most. Let Generosity Reorient Your Hearts Generosity is one of the most powerful ways couples can move from self-focus to God-focus. Jesus said, “Where your treasure is, there your heart will be also” (Matthew 6:21). Giving is not just a financial act; it is a spiritual one. It trains our hearts to remember that God is our provider, that everything belongs to Him, and that money is a tool for loving Him and serving others. For married couples, generosity can become a shared joy. When a couple gives together, they are reminded that their financial life is not merely about paying bills, reducing debt, or reaching personal goals. It is about participating in the work God is doing in the world. That does not mean couples should give out of guilt or ignore real financial responsibilities. But it does mean generosity should have a meaningful place in the conversation. Even in seasons of debt repayment or financial pressure, couples can prayerfully ask, “Lord, how would You have us live open-handedly with what You've entrusted to us?” The goal is not to win an argument. The goal is to walk together. On Today's Program, Rob Answers Listener Questions: How important is it to hold physical gold and silver for retirement? What percentage of a portfolio should be in precious metals, and is it better to invest in gold, silver, or both? My mom passed away, and my sister and I inherited her home, worth about $300,000 to $350,000. I'm currently living there, but I recently lost my job and likely wouldn't qualify for a loan to buy out my sister's share. I have unemployment income, a 401(k) I could roll into an IRA, and I plan to start Social Security early next year. Should I try to keep the house, or would it be wiser to sell it and downsize? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing Starting Strong: Discovering the Good That Money Can Do in Your Marriage by Matt Bell Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome back to the Dollar Wise Podcast. In this episode, Andrew Barnhardt, CFP, and Brett Herron, CFP, take a deep dive into Roth conversions — what they are, why so many pre-retirees and retirees are asking about them, and when they do (and don't) make sense. Andrew and Brett walk through the core benefits of converting pre-tax retirement dollars to Roth, including lowering future required minimum distributions, creating a tax-free pot of money for large expenses, hedging against potential future tax increases, and leaving a tax-free inheritance to heirs. They also cover the practical side of paying the resulting tax bill, scenarios where converting may not be the right move — including charitable giving goals — and real examples of when conversions have paid off for clients. Throughout, they emphasize that Roth conversions are a personal, best-guess optimization strategy that should be made in coordination with a tax professional and financial advisor, not a one-size-fits-all recommendation.Tune into this episode to also learn:● What a Roth conversion is and how it differs from a regular Roth contribution.● How Roth conversions can help reduce future required minimum distributions.● The most tax-efficient ways to pay for a Roth conversion when it comes due.● Why charitable giving goals can change whether a conversion makes sense.What we discussed● [00:00:31] Kicking off the episode: introducing today's topic, Roth conversions.● [00:00:50] What a Roth actually is — after-tax contributions, tax-free growth, and tax-free qualified withdrawals.● [00:03:27] What a Roth conversion is and how it differs from contributing directly to a Roth account.● [00:06:54] Advantage #1: how converting to Roth can lower future required minimum distributions (RMDs).● [00:09:13] Smoothing retirement income over time to avoid higher tax brackets and other income-based traps.● [00:09:54] Advantage #2: building a tax-free pot of money for large or unexpected expenses.● [00:11:46] Advantage #3: using conversions as a hedge against potential future tax rate increases.● [00:13:11] Advantage #4: tax-free inheritances and gifting Roth dollars to heirs.● [00:15:46] How to actually pay the tax bill on a conversion — cash, taxable accounts, and what to avoid.● [00:19:16] Three scenarios where a Roth conversion may not make sense.● [00:21:41] Qualified charitable distributions (QCDs) and leaving pre-tax IRAs to charity.● [00:23:36] A real client example: how consistent conversions during low-income years changed one business owner's retirement picture.● [00:24:13] Why peak earning years are usually the wrong time to convert.● [00:25:49] Closing thoughts: Roth conversions are a personal decision based on your own goals, not trends.3 Things To Remember1. Roth conversions are about optimization, not necessity — they're rarely what makes or breaks a retirement.2. Whether a conversion makes sense depends on your own tax bracket today versus your expected bracket later — not on trends or what your neighbor is doing.3. How you pay the tax on a conversion matters — paying from cash or a taxable account is generally more efficient than withholding from the conversion itself.Memorable moments:(00:06:54) "Roth conversions are a way of moving some of that income forward into your retirement to lower your RMDs, therefore lowering the tip that you give Uncle Sam."(00:11:46) "It's a hedge against future tax rate increases... if you convert money from pre-tax to Roth, you insulate yourself somewhat against some of those tax potentials in the future."(00:19:16) "If doing a Roth conversion is going to hurt you financially for your retirement, it would be more necessary to not do it."Useful LinksConnect with Brett Herron: bherron@hfmadvisors.comLinkedIn: https://www.linkedin.com/in/brett-herronConnect with Andrew Barnhardt: abarnhardt@hfmadvisors.comLinkedIn: https://www.linkedin.com/in/andrew-barnhardt-cfpLike what you've heard...Learn more about HFM HERE: https://hfmadvisors.com/Schedule time to speak with us HERE: https://calendly.com/hfminquirycall/360102 WEST HIGH STREET, SUITE 200GLASSBORO, NJ 08028HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

In this episode of 'Retire with Style', Alex Murguia and Wade Pfau dive into tax planning strategies, focusing on Roth conversions, effective marginal tax rates, and withdrawal strategies for retirement. They discuss the implications of current tax rates, the importance of blending techniques in tax planning, and the necessity of tax diversification for a successful retirement. The conversation is driven by listener questions, providing practical insights for navigating complex tax scenarios in retirement. The conversation dives into various aspects of retirement planning, focusing on Roth IRAs, Health Savings Accounts (HSAs), and annuities. They discuss the rules surrounding Roth IRAs, particularly the five-year requirement for qualified distributions. The conversation shifts to HSAs, highlighting their tax benefits and strategies for spending versus saving. Finally, they explore the complexities of managing annuities in relation to Required Minimum Distributions (RMDs), emphasizing the importance of understanding contract values and the implications of delaying income streams from annuities. Listen to now to learn more!    Takeaways  Roth conversions can be beneficial for legacy planning. You need to work through the math of conversions. Tax rates are at a historical low right now. Blending techniques can optimize your tax strategy. You can't just solve it mathematically. It's complicated; we need better software. What's my tax rate today versus in the future? Forty percent might be reasonable for Roth conversions. You want to always be blending your distributions. Tax diversification is crucial for retirement planning. You need to have had a Roth IRA open for at least five years. Inheriting HSAs can lead to tax implications for beneficiaries. HSAs provide tax-free distributions for qualified medical expenses. It's important to keep receipts for HSA distributions. Using HSAs strategically can aid in tax planning during retirement. RMDs must be taken from both IRAs and annuities. Delaying income from annuities may not be the best strategy. Spending down annuity contract value can maximize benefits. Understanding contract value is crucial for annuity holders. RMDs from annuities can be complex and require careful planning. Chapters 00:00 Introduction and World Cup Banter 01:49 Tax Planning Questions Begin 02:29 Roth Conversions and Tax Brackets 07:18 Analyzing Effective Marginal Tax Rates 11:23 Historical Tax Rates and Future Predictions 13:39 Withdrawal Strategies for Retirement 15:08 Blending Techniques in Tax Planning 21:08 The Importance of Tax Diversification 21:54 Understanding Roth IRA Rules 23:20 Navigating Health Savings Accounts (HSAs) 27:14 Tax Benefits of HSAs Explained 29:52 Strategies for Managing Annuities and RMDs   Links

"21 million isn't a promise. It's a rule — and rules only hold if your node enforces them." Bitcoin Mechanic — of mining pool OCEAN — says Bitcoin is in a civil war, and most holders don't even know it's happening. The fight isn't over price. It's over who's actually in charge: Core or Knots, miners or developers — or the nodes that quietly outvote them all. We get into the Eye of Sauron turning toward Bitcoin, why 21 million is a rule and not a law of nature, what running Knots actually does, and the battle for the soul of Bitcoin. Subscribe so you never miss an episode.

+ Reflexiones éticas en torno al aniversario del asesinato de Miguel Angel Blanco. Testimonio de la viuda de José Javier Múgica, asesinado en Leitza hace 25 años. + Una conferencia de Mons. Argüello sobre la crisis antropológica, presidente de la CEE desata las iras del Sr. Bolaños, vicepresidente del Gobierno de España. + Preguntas de los oyentes

Tom's on vacation, but the listener questions are not. In this packed Q&A episode, Don tackles one of the most common retirement dilemmas: if your Social Security and annuity income already cover your expenses, do you still need a traditional emergency fund?From there, the questions keep coming. Don weighs in on what to do with “lazy money” earning only 3%, whether a MYGA is really a better deal than a CD ladder, how to structure a taxable brokerage account for long-term growth, and where to keep nearly $300,000 set aside for a home purchase in the next two to three years.He also takes on a thoughtful question about managing a taxable portfolio for elderly in-laws who need additional income for memory care, and wraps up with a step-by-step explanation of how inherited IRA money can potentially be used to fund backdoor Roth contributions.Along the way, you'll hear why “guaranteed” doesn't always mean what insurance companies want you to think it means, why simplicity often beats ETF overengineering, and why liquidity still matters—even in retirement.0:05 – Intro and why Tom is getting buried in listener questions while on vacation1:14 – Don thanks listeners and mentions Apple featuring Litreading1:58 – How to send recorded questions at TalkingRealMoney.com2:16 – Question 1: Do retired investors still need a six-month emergency fund if Social Security and annuities cover expenses?3:14 – Why Don still favors stable, liquid emergency money even in retirement4:30 – Question 2: What should retirees do with “lazy money” that's earning only about 3%?5:28 – Don's preference for CD ladders over MYGAs and why “guaranteed” doesn't mean risk-free7:33 – Question 3: How should a high-income investor build a long-term taxable portfolio at Vanguard?10:03 – Don's case for simplifying with AVGE or DFAW instead of mixing multiple ETFs11:24 – Question 4: Is a five-year MYGA better than a five-year CD ladder?12:01 – Why Don still leans toward CDs despite the higher MYGA yield and tax deferral pitch14:16 – Question 5: Best place to keep $291,000 earmarked for a home purchase in two to three years14:46 – Money market vs. high-yield savings vs. CDs vs. BND for short-term house money17:04 – Question 6: How to structure a $300,000 taxable portfolio for elderly in-laws who need extra monthly income for memory care18:37 – Why Don would keep lots of liquidity, use only a little equity, and skip muni bonds in a 22% bracket20:50 – Question 7: Can inherited IRA proceeds be used to fund a backdoor Roth for both spouses?22:40 – Don's step-by-step answer, including opening new IRAs and watching out for the pro-rata rule25:07 – Don plugs The Line Uncrossed and offers a free one-hour advisor meeting25:42 – Reminder to send questions and be patient while Tom is on vacationQuestions? Comments? Click!

On this highlight episode of Ask KT and Suze Anything, Suze answered your questions about beneficiaries of IRAs, student loans, filing taxes as a married couple and so much more. Learn more about the Ultimate Scam Protection here: SuzeOrman.com Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3G Help with the Must Have Docs: Email:support@musthavedocuments.zendesk.com Phone: 888-510-0510 Get your savings going with Alliant Credit Union: https://bit.ly/3rg0Yio Get Suze’s special offers for podcast listeners at suzeorman.com/offer Join Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Using retirement accounts to build wealth doesn't have to mean handing everything over to Wall Street and hoping for the best. If you have an IRA or an old 401(k), you may be sitting on capital that could be used more strategically, buying real estate, holding precious metals, funding private deals, or even acting as the bank on a loan, all with powerful tax advantages. Today's guest, Kaaren Hall of uDirect IRA Services, has helped investors self-direct over $1.3 billion in retirement assets, and literally wrote the book on it: The BiggerPockets Guide to Self-Directed IRA Investing. In this episode of Marketer of the Day, Kaaren breaks down what self-directed IRAs are, how they work, and why most account holders have never been told this is even an option, despite being IRS-approved for over 50 years. She explains how entrepreneurs and professionals can roll over old 401(k)s and IRAs into self-directed accounts and use them to invest in rental properties, multifamily syndications, private placements, promissory notes, cryptocurrency, and precious metals. If you've ever found a great deal but thought, “I don't have enough cash to get into this,” Kaaren shows how your retirement money might be the funding source you're missing. Kaaren also walks through the rules and risks that come with this freedom. She explains prohibited transactions, who counts as a “disallowed person” (like you, your spouse, parents, and kids), and why self-directed IRAs are really a “game of keep away," keeping today's personal benefit off the table so your retirement account retains its tax advantages. She shares practical due diligence tips, including using AI tools to scan contracts, highlight potential pitfalls, and prepare better questions before you involve an attorney. Beyond the mechanics, Kaaren tells her personal story, from a divorced mom with a zero net worth and a mortgage to a CEO with multiple income streams, including a business, rental properties, whole life insurance with cash value, and robust retirement plans. She emphasizes micro-contributions, small consistent actions, and the power of compound interest over time. Inspired by Tony Robbins' principle of “massive action,” she encourages listeners to stop waiting for perfect timing and start taking real steps toward financial independence right now. https://youtu.be/PsaYh309uOM?si=GbwRUgnFggV2VZom If you're a business owner, entrepreneur, or professional who wants more control over your retirement money, more diversified, tax-advantaged investments, and a clearer path to a high-quality life after work, this episode will expand your thinking. You'll discover what's really possible with self-directed IRAs, how to protect yourself by knowing the rules, and how to take the first actionable step toward a more empowered retirement strategy. Quotes: “Your IRA should never give you personal benefit today; it's all about later. Retirement accounts are designed so future-you can live well.” “If you want something, don't just do one thing, take massive action. Do everything you can think of toward that goal to make it happen.” “It's not so much about what you can do with your IRA, it's about what you can't do, and once you understand those rules, the possibilities really open up.” Contact Details: Schedule your Free Consultation or Open your Account Today with uDirect IRA Services Follow uDirect IRA on Facebook and Take the First Step Toward Smarter Retirement Investing Connect with Kaaren Hall on LinkedIn Follow uDirect IRA on X Subscribe to uDirect IRA on YouTube for Expert Guidance on Self-Directed IRAs Follow uDirect IRA Services on Instagram for Expert Tips on Self-Directed IRAs Grab a Copy of Self-Directed IRA Investing: A BiggerPockets Guide on Amazon

It's Q&A Wednesday, and Lance Roberts examines whether the momentum-driven rally in semiconductors can continue, how the Iran cease-fire breakdown could affect markets, and what investors should watch ahead of the FOMC decision. We also answer your questions on the differences between the NASDAQ VIX and S&P VIX, whether government policies continue to support elevated real estate prices, investing in Canadian companies through IRAs, the implications of a yield curve un-inversion, portfolio rebalancing strategies, dollar-cost averaging, maintaining the right cash allocation, the rise of inverse ETFs tied to the Magnificent Seven, recent SEC rule changes, and the lawsuit challenging NASDAQ's handling of the proposed SpaceX listing. We also discuss technology versus semiconductor sector leadership and why electricity demand and long-term power contracts are becoming increasingly important investment themes. 0:00 INTRO 1:02 - FOMC Meeting Preview - Iran Cease Fire is Done 5:00 - Consolidation Range Continues; Momentum Trade in mostly Semi-conductors 6:58 - Risks from Iran Action 11:34 - Fight to the death & swats in school 14:11 - NASDAQ VIX vs S&P VIX 16:07 - How much of Real Estate prices are supported by Govt.? 17:04 - Canadian Companies in IRA's? 19:12 - Yield Curve inversion & un-inversions & Risk of Recession 26:13 - Mistakes with Cash in Investing (Cash = Opportunity) 29:17 - The Problem with Dollar Cost Averaging (DCA) 33:03 - Criteria for Rebalancing Portfolio 38:17 - Mag-7 Inverse ETF 39:42 - SEC Rule Changes 44:54 - The Cash Cushion Has Never Been Thinner 46:13 - Technology vs Semi-conductors as sectors 47:11 - Lawsuit against NASDAQ for fast-tracking Space-X 47:43 - Electricity Contracts Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ua-paCoNRwo ------- Watch today's "Before the Bell" premarket commentary, "Momentum Cracks, But Markets Hold" https://youtu.be/nO2N4bdLifo ------- Watch our previous show, "Could You Spot a Ponzi Scam?" https://youtube.com/live/36xwcnfxPa0 ------- Articles mentioned in this report: "Margin Debt Risk: The Ratios That Mislead Investors," https://realinvestmentadvice.com/resources/blog/margin-debt-risk-the-ratios-that-mislead-investors/ "Wage Growth As A Leading Inflation Indicator" https://realinvestmentadvice.com/resources/blog/wage-growth-as-a-leading-inflation-indicator/ "Mag 7 Stocks: Risk Or Opportunity In The Making?" https://realinvestmentadvice.com/resources/blog/mag-7-stocks-risk-or-opportunity-in-the-making/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #Investing #Semiconductors #BeforeTheBell #FederalReserve #RetirementPlanning #FinancialPlanning

If you've been enjoying The Independent Advisors podcast for a while now and want to take the next step in your financial journey, I'd encourage you to head to our website, jessupwealthmanagement.com (https://www.jessupwealthmanagement.com/) . Matt offers a 15-minute initial call where you can discuss your financial goals and see if JWM is a good fit for your needs.Scheduling is easy—once you land at jessupwealthmanagement.com (https://www.jessupwealthmanagement.com/) just click “Schedule Initial Call” and select a time that works best for you! There's a quick survey to fill out that will help guide the conversation and ensure your time is used efficiently.If you're ready to learn more, visit jessupwealthmanagement.com (https://www.jessupwealthmanagement.com/) and book your call today!Take advantage of our partnership with LifeLock and get discounts using our link: https://lifelock.norton.com/offers?expid=LLONEYEAR&promocode= JSPW24&VENDORID= _JESSUPWM&om_ext_cid=ext_partner_ JSPW24_Productpage $)Show Notes:Post on X from Ryan Detrick on 7.1.26 - https://x.com/RyanDetrick/status/2072147268589813875 Chart from JPMorgan Asset Management's “Guide to Retirement” 2026 slide deck - https://am.jpmorgan.com/us/en/asset-management/adv/insights/retirement-insights/guide-to-retirement/ Chart From JPMorgan Asset Management's “Guide to Retirement” 2026 slide deck - https://am.jpmorgan.com/us/en/asset-management/adv/insights/retirement-insights/guide-to-retirement/Article written by Jim Dahle on The White Coat Investor on June 9th titled “Great Reasons to have a Tax-Deferred Account” - https://www.whitecoatinvestor.com/tax-deferred-accounts/ Market Performance & Economic Insights — July market trends, midterm-year patterns (01:00)New "530A" Child Retirement Accounts — $1,000 government seed money for kids' IRAs (03:30)Retirement Spending Variability & Portfolio Management — spending fluctuations, stock allocation strategy (09:30)Tax-Deferred Accounts & Strategic Tax Planning — pre-tax vs. Roth, QCDs, medical deductions (18:00)Hosts:Mark McEvily - Chief Investment Officer and Managing PartnerMatthew Jessup – Chief Executive Officer, Chief Compliance Officer, and Managing PartnerAddress: 35 Park Ave. Dayton, OH 45419Phone: 937-938-9105 https://www.jessupwealthmanagement.com/Social Media: Facebook: @JessupWealthManagement LinkedIn: @JessupWealthManagement Twitter: @jessupwealth Instagram: @jessupwealth 

It's Q&A Wednesday, and Lance Roberts examines whether the momentum-driven rally in semiconductors can continue, how the Iran cease-fire breakdown could affect markets, and what investors should watch ahead of the FOMC decision. We also answer your questions on the differences between the NASDAQ VIX and S&P VIX, whether government policies continue to support elevated real estate prices, investing in Canadian companies through IRAs, the implications of a yield curve un-inversion, portfolio rebalancing strategies, dollar-cost averaging, maintaining the right cash allocation, the rise of inverse ETFs tied to the Magnificent Seven, recent SEC rule changes, and the lawsuit challenging NASDAQ's handling of the proposed SpaceX listing. We also discuss technology versus semiconductor sector leadership and why electricity demand and long-term power contracts are becoming increasingly important investment themes. 0:00 INTRO 1:02 - FOMC Meeting Preview - Iran Cease Fire is Done 5:00 - Consolidation Range Continues; Momentum Trade in mostly Semi-conductors 6:58 - Risks from Iran Action 11:34 - Fight to the death & swats in school 14:11 - NASDAQ VIX vs S&P VIX 16:07 - How much of Real Estate prices are supported by Govt.? 17:04 - Canadian Companies in IRA's? 19:12 - Yield Curve inversion & un-inversions & Risk of Recession 26:13 - Mistakes with Cash in Investing (Cash = Opportunity) 29:17 - The Problem with Dollar Cost Averaging (DCA) 33:03 - Criteria for Rebalancing Portfolio 38:17 - Mag-7 Inverse ETF 39:42 - SEC Rule Changes 44:54 - The Cash Cushion Has Never Been Thinner 46:13 - Technology vs Semi-conductors as sectors 47:11 - Lawsuit against NASDAQ for fast-tracking Space-X 47:43 - Electricity Contracts Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ua-paCoNRwo ------- Watch today's "Before the Bell" premarket commentary, "Momentum Cracks, But Markets Hold" https://youtu.be/nO2N4bdLifo ------- Watch our previous show, "Could You Spot a Ponzi Scam?" https://youtube.com/live/36xwcnfxPa0 ------- Articles mentioned in this report: "Margin Debt Risk: The Ratios That Mislead Investors," https://realinvestmentadvice.com/resources/blog/margin-debt-risk-the-ratios-that-mislead-investors/ "Wage Growth As A Leading Inflation Indicator" https://realinvestmentadvice.com/resources/blog/wage-growth-as-a-leading-inflation-indicator/ "Mag 7 Stocks: Risk Or Opportunity In The Making?" https://realinvestmentadvice.com/resources/blog/mag-7-stocks-risk-or-opportunity-in-the-making/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #Investing #Semiconductors #BeforeTheBell #FederalReserve #RetirementPlanning #FinancialPlanning

July is the perfect time to ask one important question: is your money actually doing what you want it to do? This is not about starting over, beating yourself up, or assuming the first half of the year was a financial disaster. It may have been just fine. You may be earning, saving, paying your bills, and doing a lot right. But sometimes “fine” is exactly where money gets stuck. In part one of this two-part mid-year money check-in, Shari Rash, founder of GWA Wealth, walks through how to review your cash flow, savings, and investments with more strategy and less shame. This episode is for the woman who has money coming in, is responsible with it, but still has the same questions sitting there six months later: What should I do with this cash? Should I be investing more? Am I saving too much? Am I on track? Why do I still feel like I do not have a clear plan? Shari explains why doing nothing is still a decision, why positive cash flow does not automatically mean your money has direction, and how to tell whether your cash is creating flexibility or sitting in limbo. You'll learn: Why a mid-year check-in is about strategy, not shame How to ask what has changed — and what has not changed — since January Why making good money and having a plan for your money are not the same thing How to review where your monthly surplus is actually going Why cash needs a clear job How to tell the difference between useful cash and idle cash Why waiting for perfect confidence before investing can cost you time and money What to check in your retirement accounts, IRAs, brokerage accounts, and old 401(k)s Why your future does not need perfection — it needs participation This is part one of a two-part series. Start here by reviewing your cash, savings, and investments. Then come back next week for part two of the mid-year check-in. Money should not just accumulate, disappear, or sit there because you are unsure what to do next. Money should be a tool that helps you live life on your terms. 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

Money can be the silent partner in every relationship—often creating tension, stress, and confusion that can easily escalate into conflict. Beneath the numbers, every dollar spent or saved carries deeper questions about happiness, security, and the life we're working so hard to build together. How can couples bridge the gap between financial security and true personal fulfillment, especially when their instincts and money habits seem worlds apart? In this episode, listeners are guided through the core foundations of financial well-being and shown how to transform money conversations from battlegrounds into opportunities for connection. The discussion offers practical strategies for navigating differing money personalities, building trust and transparency, and creating shared goals. Listeners will learn why understanding the "why" behind spending habits matters as much as the "how" of budgeting, and how aligning values can lead to both financial security and genuine happiness in a partnership. Lori Atwood is the founder and CEO of Fearless Finance and a CFP® professional. Lori created Fearless Finance to make expert, fiduciary, hourly financial planning accessible to everyone with no sales, no minimums, and no judgment. Lori's been in finance for over 25 years, starting in investment banking, asset management, and private equity before starting Fearless Finance in 2016.   Episode Highlights 05:03 Understanding deep-rooted money habits in relationships. 08:58 Merging finances: Transparency, trust, and relationship satisfaction. 11:04 The link between personal happiness and financial well-being. 14:19 Identifying the root causes behind spending and financial stress. 18:28 Exploring life changes: Navigating career shifts and financial decisions. 20:34 Overcoming financial paralysis: Bringing clarity to big decisions. 23:43 The five financial foundations every couple needs. 27:45 Negotiating financial priorities and the complexity of fairness. 30:51 Making deliberate financial choices and the power of data. 34:57 Empathy, non-judgment, and the importance of transparency. 36:53 Personalizing savings goals and uncovering hidden financial motivations. 41:35 Divorce, separation, and preparing for major financial transitions. 45:11 Individual happiness, financial security, and taking informed action.   Your Checklist of Actions to Take Spend Less Than You Earn: Track your monthly income and expenses to ensure you consistently spend less than you bring in. Set Up an Oopsie Fund: Establish a cash reserve of $3,000–$5,000 in a separate account to cover unexpected expenses like car repairs or emergency travel. Build an Emergency Fund: Save three to six months' worth of living expenses in a high-yield savings or money market account to protect against major disruptions like job loss or illness. Contribute to Retirement: Allocate at least 15% of your pre-tax income to retirement accounts, using employer matches and Roth or traditional IRAs if available. Manage Consumer Debt: Pay off or create a plan to reduce unsecured debt, such as credit cards and personal loans, before setting other financial goals. Merge Finances for Transparency: If you're in a committed partnership, consider merging accounts to enhance trust, transparency, and shared financial management. Communicate Financial Priorities: Regularly discuss values, priorities, and spending plans with your partner to proactively address differences and prevent misunderstandings. Seek Fiduciary Financial Advice: Get unbiased financial guidance from fee-only, fiduciary advisors whose costs are transparent and posted upfront.   Mentioned Common Cents: Bank Account Structure and Couples' Relationship Dynamics (Journal of Consumer Research) (article) Shifting Criticism For Connected Communication (free guide)   Connect with Lori Atwood Website: fearlessfinance.com Facebook: facebook.com/fearlessfinance Instagram: instagram.com/fearlessfinance LinkedIn: linkedin.com/company/fearless-finance X: x.com/fearlessfinance  TikTok: tiktok.com/@fearlessfinance  

Medicare brings peace of mind to millions of retirees, but for those with higher incomes, there's an added layer of complexity called IRMAA—the Income Related Monthly Adjustment Amount. If your modified adjusted gross income (MAGI) crosses certain thresholds, you may end up paying substantially more for your Medicare Part B and Part D coverage. In this article, we break down how IRMAA works, outline common scenarios that may unexpectedly raise your premiums, and offer actionable strategies to help you avoid unnecessary costs during your retirement years.   You will want to hear this episode if you are interested in... [02:14] How IRMAA works [04:09] IRMAA income brackets and premium increases  [05:43] General strategies and limitations for avoiding IRMAA [09:49] Managing Capital Gains and Medicare costs [10:41] Understanding the possibility of unexpected large gains pushing income higher  [12:37] Impact of spouse passing on taxes [14:54] Avoiding IRMAA surcharge   What Is IRMAA, and How Does It Work? IRMAA adds a surcharge to your standard Medicare Part B and Part D premiums if your income exceeds specific limits. The calculation uses your Modified Adjusted Gross Income (MAGI) from your federal tax return for the prior two years. For example, your 2026 Medicare premium is determined by your 2024 tax return figures. This "two-year lag" means financial decisions made today could impact your healthcare costs down the line. In 2024, the standard Part B premium is $202.90 per month. However, single filers reporting over $109,000 or married couples filing jointly above $218,000 pay $284 each per month, per person. Surpassing $137,000 (single) or $274,000 (joint) pushes your premium to $405.90—more than double the baseline. Part D premiums are also subject to surcharges, ranging from $14.50 to $91 per month at the highest income levels.   Seven Scenarios That Can Trigger IRMAA—and How to Prepare While some situations are unpreventable, being aware of these common scenarios can help you make informed choices and potentially minimize your IRMAA exposure.   1. Municipal Bond Income: Not as Tax-Free as You Think Many investors favor municipal bonds for their federal tax-exempt status. Unfortunately, while this income is absent from your regular AGI, it is added back into your MAGI when calculating IRMAA. If you're relying heavily on munis in retirement, this could unexpectedly inflate your Medicare premiums. Consider alternative investments or relocating those assets into accounts or vehicles where this income is shielded, like certain annuities, after consulting with a qualified financial advisor.   2. Capital Gains on Your Home Sale When selling your primary residence, you can exclude up to $250,000 of gain if single or $500,000 if married, provided you meet the two-out-of-five-years residency rule. Gains above these thresholds are taxable and count toward your MAGI. Good record-keeping for home improvements can help increase your cost basis and reduce the taxable gain, but there aren't many strategies to avoid this spike if a large gain is unavoidable.   3. Profits from Investment Property Sales Selling an investment property can generate significant capital gains. But unique to investment real estate, the IRS allows you to defer these gains through a 1031 exchange—selling one investment property and reinvesting the proceeds into another. This move postpones the tax hit and the associated IRMAA impact, possibly indefinitely if you use the stepped-up basis at death.   4. Surprise Mutual Fund Capital Gains If you own mutual funds outside retirement accounts, unexpected capital gains distributions from within the fund (for example, after large stock sales like Apple) could spike your MAGI. To mitigate this, consider shifting from mutual funds to individual stocks, bonds, or exchange-traded funds (ETFs), which typically generate fewer surprise capital gains.   5. Roth Conversions are Great for Taxes, But Be Careful While Roth conversions can be powerful tax strategies, converting a sizable sum from a pretax IRA to a Roth IRA counts as income for IRMAA purposes. Carefully plan the size and timing of conversions to avoid pushing yourself into a higher premium bracket without realizing it.   6. The Financial Impact of Losing a Spouse Widowhood or widowerhood can be doubly difficult; not only do you suffer personal loss, but your filing status shifts to single, drastically lowering the income thresholds for IRMAA. If you expect changes in income or status, make proactive plans with your advisor to help smooth your MAGI.   7. Large, One-Time Retirement Account Withdrawals Big withdrawals from IRAs or 401(k)s—perhaps to buy a car or fund a vacation home—could catapult your income into a higher IRMAA tier. Consider spreading large purchases over several years or evaluating alternative financing options to keep retirement account withdrawals more manageable.   Small Decisions Add Up While IRMAA might not be avoidable for everyone, being strategic about income sources, withdrawals, and investment choices can reduce surprises and keep more of your retirement income where it belongs—with you. Always consult with a financial advisor familiar with your unique situation before making significant financial moves. Keep your knowledge current and your planning proactive to support a more cost-effective retirement.   Resources Mentioned   Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  2026 Medicare Part B Premium Surprises, #282 7 Ways to Lower Your Income and Avoid the IRMAA Medicare Surcharge, #142 Mistakes To Avoid During Medicare Open Enrollment with Danielle Roberts, #229      Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan  

Should you invest money you're saving for a house, or keep it in cash? How does an inherited IRA actually work when it's split between siblings? What should a single person think about differently when planning for retirement? And is SGOV a reasonable place to park your emergency fund? Joe and OG dig in. These aren't questions from this week. They're questions Stackers sent in over a year ago -- and people are still asking every single one of them. What You'll Walk Away WithThe house down payment question: why OG flips it around and asks what happens if the market is down 20% when you need the money -- and how the answer tells you exactly what to doWhy the juice-worth-the-squeeze question matters more than the optimal investment question when your timeline is three to five yearsHow inherited IRAs actually work: the 10-year rule, required minimum distributions, what happens when multiple siblings inherit the same account, and when it might make sense to just pay the tax and be done with itWhy a spouse inheriting an IRA follows completely different rules -- and why you cannot add to an inherited IRA even if you don't have one of your ownThe single person's financial plan: why disability insurance is the most important protection nobody thinks about, why your estate plan needs different beneficiary logic than a married person's, and why being your own backstop means advocating harder for your own incomeMichelle's numbers run through the Rule of 72: why a 35-year-old with $270,000 already saved may be closer to Coast FI than she realizesSGOV as an emergency fund: when treasury ETFs make sense as a cash alternative, when they don't, and why over-optimizing your cash flow can cost you more in overdraft fees than you ever gainedWhy keeping one to two months of expenses in your checking account isn't lazy -- it's a system that protects you from the chaos of a missed transferThe student loan bankruptcy debate: why Ron's argument has more merit than most people admit, and what the real structural problem isThe Edward Jones response: what's actually Joe's job in the headline segment and what belongs to a company's PR departmentWhy This Matters NowGood financial advice doesn't have an expiration date. These questions were relevant a year ago, they're relevant today, and they'll be relevant next year. If you've been putting off answering any of them for yourself, this is the episode.From the BasementJoe and OG work through the mailbag -- house down payments, inherited IRAs, single-person planning, SGOV, student loans, and a spirited defense of Edward Jones from an actual Edward Jones employee who has some notes. The trivia question is about Michael Jackson's best solo hit according to Billboard. Mom has the curtains drawn.Resources MentionedStacking Benjamins voicemail line -- leave your question; stackingbenjamins.com/voicemailSGOV -- iShares 0-3 Month Treasury Bond ETF; referenced for emergency fund and cash management discussionStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201OG financial planning calendar -- stackingbenjamins.com/ogStacking 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.

Don and Tom take on the latest crypto hype cycle, arguing that Bitcoin remains speculation—not a reliable store of wealth—and that putting crypto inside retirement accounts is especially dangerous. They discuss a new self-directed IRA crypto platform, the risks of private equity and alternative assets in retirement plans, and why “get rich quickly” pitches should set off alarm bells.Then they answer two listener questions. First, Mark from Ohio asks how to prepare a retirement portfolio for a likely market downturn and how withdrawals and rebalancing should work once retirement begins. Later, Doug from Utah asks whether market-linked CDs make sense compared with Treasuries and whether the “no downside” promise is worth the tradeoffs. Don and Tom explain why they dislike market-linked CDs, how bank brokers get paid to sell them, and why simpler fixed-income tools often make more sense.They wrap up with a warning about growing bank-related scam tactics and a publishing scam Don has been seeing aimed at authors.0:05 – Intro: one-star Bitcoin review and why crypto losses are hard to ignore1:16 – Bitcoin's drop, crypto volatility, and retirement-account crypto pitches2:42 – Self-directed IRAs, IRA Financial, and the “get rich quick” problem5:27 – Why crypto, private equity, and alternative assets can be dangerous in retirement plans6:58 – Why most people bought Bitcoin: speculation, not currency utility10:29 – Hot money shifts: crypto, gold, semiconductors, and chasing momentum12:20 – Don's bottom line on crypto as speculation vs. wealth storage13:16 – Listener question from Mark: preparing for a market downturn before retirement15:32 – Is an 80/20-ish portfolio too aggressive with retirement four years away?17:13 – Bonds vs. cash/CDs: what fixed income should do near retirement18:56 – Withdrawal strategy during a downturn and how rebalancing fits in20:46 – Listener question from Doug: market-linked CDs vs. Treasuries23:47 – Why Don and Tom dislike market-linked CDs26:42 – The danger of taking investment advice from a bank salesperson29:18 – Building Treasury and CD ladders through a brokerage instead31:23 – Banks training tellers to spot scam victims before money is lost34:04 – Don's author scam warning: fake book clubs and fake promotional offersQuestions? Comments? Click!

Join the Wealthy Practitioner Tour with Dr. Stephanie Wigner this August! Visit the Wealthy Practitioner Tour to get your tickets today. It's time to build your family's future on a foundation of true health and freedom. Join us at Future Foundations—because your future generations deserve the best start to the mission that will outlive us… Check it out here. Use code FREEDOM25 for 25% off!    Whether you're looking for tinctures, topicals or teas or a deeper connection to your INNATE healing capacity, Noble Task Homestead is here to serve you. Join the movement. Visit NobleTaskHomestead.com/noblestan today and enjoy a 10% discount on your order.   San Diego area residents, take advantage of our special New Patient offer exclusively for podcast listeners here. We can't wait to experience miracles with you!   Welcome to a new episode of the Future Generations Podcast, where Dr. Stanton Hom sits down with crypto educator and private structuring expert Oto Gomes to unpack the nervous-system impact of our current financial system. Oto shares his journey from 12 years as an accountant into 14 years in crypto, and how he discovered that "without health, there is no wealth," connecting financial sovereignty with embodiment, mindset, and lifestyle. Together, they explore how traditional, wartime-style banking creates a parasitic, scarcity-based relationship with money and how trust law, private structuring, blockchain, and regenerative "toroidal" wealth systems can help people break financial trauma patterns, reduce stress, and build aligned, passive income and generational wealth.   Highlights: "Without health, there is no wealth."   "I feel like most people are stuck in this like parasitic mindset."   "Currency, this thing we call money, is infinite."   "Are you the player in the game or are you the observer of the game or the one playing the game?" Timestamps: 00:02 – Introduction 01:21 – Oto's journey from accountant to crypto 03:36 – The link between money stress and health 05:21 – Generational money trauma 08:46 – Ownership vs stewardship 11:05 – Poverty mindset & scarcity 14:59 – Pyramid vs toroidal flow 22:27 – Inside Oto's 10‑week academy 37:08 – Passive income that replaces salaries 47:15 – IRAs, penalties & reclaiming control   Resources: Remember to Rate, Review, and Subscribe on iTunes and Follow us on Spotify!   Learn more about Dr. Stanton Hom on:   Instagram: https://www.instagram.com/drstantonhom    Website: https://futuregenerationssd.com/  Podcast Website: https://thefuturegen.com  Twitter: https://twitter.com/drstantonhom   LinkedIn: https://www.linkedin.com/in/stanhomdc   Stay Connected with the Future Generations Podcast:   Instagram:  https://www.instagram.com/futuregenpodcast   Facebook: https://www.facebook.com/futuregenpodcast/     About Oto Gomes: Oto Gomes is a crypto investor, mentor, and founder of the Crypto Freedom Academy, an online educational platform helping people learn crypto and increase their wealth.   With over a 10+yrs of experience in the crypto industry, and 10+yrs before that as an accountant, Oto has persevered through the bull and bear markets of life to find true freedom. His goal is to help others become the most abundant versions of themselves. Oto is a voice for truth, sovereignty, and a holistic approach to creating a life and world of prosperity.   His mission is to create heart centered interdependent and self accountable communities to become the bridges to help themselves and others in recreating their relationship to money and reinternalizing their self worth.  SOCIAL LINKS: Personal Email: otogomesofficial@gmail.com    Websites: https://otogomes.live  https://whop.com/crypto-freedom-academy-free     Instagram: https://www.instagram.com/otogomes/  Youtube: https://youtube.com/otogomes   Twitter: https://twitter.com/otogomes    Tiktok: https://www.tiktok.com/otogomes     Spotify: https://open.spotify.com/show/1OFs8t55OV5WVv3noN5cu9   Apple: https://podcasts.apple.com/us/podcast/the-oto-gomes-crypto-show/id1605821896     The desire to go off grid and have the ability to grow your own food has never been stronger than before. No matter the size of your property, Food Forest Abundance can help you design a regenerative layout that utilizes your resources in the most synergistic and sustainable manner. If you are interested in breaking free from the system, please visit www.foodforestabundance.com and use code "thefuturegen" to receive a discount on their incredible services.   Show your eyes some love with a pair of daylight or sunset (or both!) blue-light blocking glasses from Ra Optics. They have graciously offered Future Generations podcast listeners 10% off any purchase. Use code FGPOD or click here to access this discount, and let us know how your glasses are treating you!   One of the single best companies whose clean products have supported the optimal wellness of our family is Earthley Wellness. Long before there was a 2020, Kate Tetje and her team have stood for TRUTH, HEALTH and FREEDOM in ways that paved the way for so many of us. In collaboration with this incredible team, we are proud to offer you 10% off of your first purchase by shopping here.   Are you concerned about food supply insecurity? Our family has rigorously sourced our foods for over a decade and one of our favorite sources is Farm Match and specifically for San Diego locals, "Real Food Club PMA". My kids are literally made from their maple breakfast sausage and the amazing carnitas we make from their pasture raised pork. We are thrilled to share 10% off your first order when you shop at this link.   Another important way to bolster food security is by supporting local ranchers. Our favorite local regenerative ranch is Perennial Pastures. They have the best nutrient-dense meats that are 100% grass-fed and pasture-raised. You can get $10 off of your first purchase when you use the code: "FUTUREGENERATIONS" at checkout. Start shopping here.

Phillip Ramsey and Cody Kowalski explore strategies for asset allocation and asset location in the latest Uncommon Wealth Podcast. They discuss how asset location offers a tax-efficient approach to investment growth by strategically placing equities and bonds across Roth accounts, IRAs, and taxable accounts. Learn how this method can impact required minimum distributions and overall retirement planning. Perfect for those interested in optimizing their investment strategies, especially within higher tax brackets. Tune in to understand how to align your portfolio with your long-term financial goals.

Don and Tom tackle the blurry line between free speech and market manipulation after the conviction of prominent short seller Andrew Left. They debate whether financial influencers should be allowed to profit from public stock recommendations, discuss why members of Congress continue trading individual stocks despite widespread public opposition, and explain why ordinary investors should avoid trying to outsmart people with superior information or influence.The conversation then shifts into listener questions covering Roth employer matches, Roth IRA withdrawal rules, Roth conversion strategies for retirees, and whether paying taxes now simply to benefit heirs makes financial sense. Along the way, there's plenty of lighthearted banter about soccer, politics, podcast reviews, and Don's growing passion for his Litreading short story podcast.00:05 – Introduction and Independence Day reflections01:27 – Andrew Left convicted of stock market manipulation03:24 – Is market manipulation protected free speech?06:56 – Why Don opposes congressional stock trading09:18 – Congress made over 13,000 stock trades in 202512:29 – Why public officials should be held to a higher standard14:12 – The lesson for ordinary investors: you can't beat insiders15:27 – Podcast reviews, politics, and avoiding crypto17:12 – Florida's proposed property tax amendment18:22 – Transition to listener questions19:38 – Employer Roth 401(k) matching contributions20:10 – Can you withdraw Roth IRA money before age 59½?21:49 – Should retirees convert large IRAs to Roth accounts?24:52 – Soccer, World Cup talk, and the “laws” of the game26:44 – Don promotes Litreading and Short StoryversesQuestions? Comments? Click!

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Tonya Edmonds.