Podcasts about Paye

You're coming off years of low or no student loan payments, only to face 10-20x jumps seemingly overnight. We get into why payments are up so sharply, what to do (and not do) if your budget's getting squeezed, and how to use tax and filing strategies to lower your monthly student loan bill. We also share how to navigate marriage, family size, and community property rules when recertifying, so you can keep more options (and cash) in your hands.Key moments:(00:00) Payment shock: increases up to 20x after years of forbearance and SAVE(07:12) How retirement contributions and pre-tax accounts lower student loan payments(09:27) Married filing separately, and when it drops your payment(16:09) PAYE goes away July 2028, and who should switch before the deadline(20:19) Forgiveness is now taxable, and what to plan for if it's in your futureLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Free Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletterThe SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner

Ingrid Hipkiss spoke to money correspondent Susan Edmunds about tax returns for people outside of the PAYE system.

Every so often, a strategy starts circulating that sounds almost too good to be true. It sits in that uncomfortable space between legitimate planning, aggressive interpretation, and something that may not survive closer scrutiny.  We've started hearing about this one from more and more clients, and the potential financial impact is large enough that it deserves a serious discussion. Today, we're going to look at what makes it so appealing, where the risks begin, and why the details matter more than the headline. Topics Discussed: Why the pay stub recertification strategy sounds almost too simple to be true. What added flexibility S corporation owners have over traditional W-2 earners. How a single low pay stub could cut a monthly payment by more than $1,000. What the 2026 repayment system means for RAP, PAYE, and IBR borrowers. Why the "true, complete, and correct" certification creates real compliance risk. How the student loan tax bomb could turn years of savings into a six-figure tax bill. Resources Mentioned: ERdocadvisor.com Federal Student Aid

How does paying tax monthly, based on an estimate of your income sound? In this episode Dan chats about some new consultations HMRC have released that could have a scary impact on small business owners.  He chats about paying tax monthly, direct directs, VAT, PAYE…. all this and more on today's HeelanHub! www.heelanassociates.co.uk/podcast - the show for UK small business owners. info@heelanassociates.co.uk 02392 240040

Aujourd'hui, Antoine Diers, consultant, Didier Giraud, éleveur de bovins et Flora Ghebali, entrepreneure dans la transition écologique, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Aujourd'hui, Bruno Poncet, cheminot, Laura Warton Martinez, sophrologue, et Charles Consigny, avocat, débattent de l'actualité autour d'Olivier Truchot.

REDIFF - Les caisses automatiques sont de plus en plus présentes dans les grandes surfaces, et permettent à ces dernières de faire de grandes économies. Mais alors pourquoi les clients ne pourraient pas bénéficier d'une réduction en utilisant ces machines ? Cet été du lundi au vendredi, retrouvez en podcast les meilleurs conseils d'Olivier Dauvers donnés dans l'émission "Ça peut vous arriver", sur RTL.fr et sur toutes vos plateformes préférées. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Gagner un meilleur salaire pourrait vous appauvrir et n'améliorera pas pour autant votre bonheur ni votre qualité de vie. Selon la banque d'investissement Goldman Sachs, près de 40 % des Américains gagnant 500 000 $ et plus par année vivent de paye en paye. Pourquoi?Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée

Winter Fuel Payment tax recovery can catch people by surprise. If your income is over the threshold, HMRC may recover the payment through your tax code or Self Assessment, even though the payment itself is tax-free. About this episode The Winter Fuel Payment is designed to help older people with heating costs. However, the recovery rules mean that some people may receive the payment and then have it taken back through the tax system. In this episode, we explain what the Winter Fuel Payment is, who may be affected by the tax recovery rules, how the £35,000 income threshold works, and why the recovery is based on individual income rather than household income. We also look at PAYE tax code changes, Self Assessment reporting, means-tested benefits, Scottish rules, landlord income, and why checking the figures matters before penalties or interest become a problem. What you'll learn in this episode What the Winter Fuel Payment is designed to supportWhen Winter Fuel Payment tax recovery can applyWhy the £35,000 threshold is based on individual incomeHow HMRC may recover the payment through PAYEWhat Self Assessment taxpayers need to checkWhy pension income, savings income, property income, and self-employed income matterWhy some means-tested benefits may protect the paymentHow landlords can be caught by the income calculation What is the Winter Fuel Payment? The Winter Fuel Payment is a tax-free annual government lump sum designed to help older people with heating costs. Mahmood explains that it may be worth between £100 and £300, depending on the person's circumstances. It is generally available to those born on or before 28 June 1960 who live in England, Wales, or Northern Ireland during the qualifying week. If you live in Scotland, you may be able to claim the Pension Age Winter Heating Payment instead. How Winter Fuel Payment tax recovery works Winter Fuel Payment tax recovery applies when personal income is over £35,000. The key point is that the recovery is all or nothing. If the income threshold is exceeded, the full payment may be recovered. This is different from some other income-related tax charges. For example, our episode on the High Income Child Benefit Charge explains a different system where Child Benefit can be clawed back gradually as income rises. “The revenue clawback triggers a total repayment of your Winter benefit, not a partial one, but a full repayment.” The £35,000 income threshold The recovery rules look at individual income. Your partner's income is assessed separately, and household income is not combined for this specific test. This can create situations that feel unfair. One person may lose their payment because their income is over the threshold, while a partner with lower income may keep theirs. What income counts? The income calculation is based on total income rather than adjusted net income. That means items such as Gift Aid donations and workplace pension contributions do not reduce the figure in the same way they can for some other tax calculations. Income may include salary, self-employed income, pension income, property income, savings interest, and other taxable income. This is why it is important to check the full position instead of looking at one income source in isolation. How the threshold compares with other tax rules Mahmood highlights an important point about consistency. The Winter Fuel Payment tax recovery threshold sits at £35,000, while other tax thresholds work differently. For example, higher-rate income tax starts at a higher level, and the High Income Child Benefit Charge begins at a different threshold and is clawed back gradually. With Winter Fuel Payment tax recovery, the clawback is based on the full payment once the threshold is crossed. This is why the rule can feel harsh for people with moderate income, private pensions, savings income, rental income, or other income built up through retirement planning. PAYE recovery through your tax code For many people, HMRC will recover the Winter Fuel Payment through PAYE by changing the tax code. This means the recovery happens through tax deductions rather than through a separate direct repayment. For a typical £200 payment, the monthly effect may be spread across the tax year. Some years may feel more noticeable if HMRC is recovering more than one year at the same time. Self Assessment and Winter Fuel Payment tax recovery The process is different if you file a Self Assessment tax return. In theory, the relevant entry may be pre-populated, but the taxpayer is still responsible for checking the return before submission. If the Winter Fuel Payment recovery is missing and it should apply, it may need to be added manually. Missing it could lead to interest or penalties later. This matters for people with pension income, property income, savings income, self-employed income, or other tax return obligations. For wider planning, our episode on Holistic Tax Planning: A Smarter Way to Manage Your Taxes gives useful context on looking at tax decisions together rather than in isolation. Means-tested benefits and protection Some people may be protected from the recovery rules if they receive relevant means-tested benefits. Pension Credit and Universal Credit are examples mentioned in the episode. This is an important area to check carefully because benefit status can change the outcome. If you are unsure, use the official government checker or speak to a qualified adviser. Why landlords need to be careful Landlords may need to take extra care when checking the income threshold. Rental income rules can be misunderstood, especially where mortgage interest is involved. Mortgage interest is not treated as a simple deduction from rental income in the same way it may appear in ordinary accounts. That means someone may feel their rental profit is modest, while the tax calculation still pushes income over the threshold. This can make the Winter Fuel Payment tax recovery position more complicated for landlords with property income. Opting out of the payment Some people choose to opt out of receiving the Winter Fuel Payment to avoid the administrative burden of HMRC recovering it later. The opt-out rules and deadlines vary by year, so it is important to check the current official guidance before making a decision. If the payment has already been made and recovery applies, HMRC will usually handle the recovery through the tax system. Practical steps to take Check whether your individual income is over £35,000Do not assume your partner's income changes your own threshold positionReview pension income, salary, savings income, property income, and self-employed incomeCheck whether relevant means-tested benefits protect your positionIf you are in PAYE, look out for tax code changesIf you file Self Assessment, check whether the payment has been included correctlyUse the government checker or speak to a qualified adviser if unsureReview opt-out deadlines before the next payment cycle Related episodes High Income Child Benefit Charge: Who Pays and How to Reduce ItHolistic Tax Planning: A Smarter Way to Manage Your TaxesMaximising Your Personal Allowance Key takeaway Winter Fuel Payment tax recovery depends on your own income position. If your income is over £35,000 and you are not protected by relevant rules, HMRC may recover the full payment through PAYE or Self Assessment. Check the threshold, understand what income counts, watch your tax code or tax return, and get support if the rules are unclear. Plan it, Do it, Profit. Share this episode Share this episode: Listen on Apple Podcasts

This episode of The Social Work Rants Podcast, marks the season finale of Season 12 focusing entirely on important student loan updates effective July 1st. Nearly 7 million borrowers would receive 90-day notices from their loan servicers requiring them to choose a new repayment plan, with borrowers who fail to select a plan being automatically enrolled in either a standard plan or new tiered standard plan with higher monthly payments. The episode detailed various repayment options including the Repayment Assistance Plan (RAP), Income-Based Repayment (IBR), PAYE, ICR, and the new tiered standard plan, emphasizing that each person's financial situation is unique and requiring careful consideration of personal finances. I recommended following experts and past podcast guest Dr. Sonia Lewis (the student loan doctor) and Robert Farrington (the college investor) for updated information, and stressed the importance of understanding Public Service Loan Forgiveness (PSLF) status for those close to forgiveness.#studentloans #studentloanforgiveness

Dans cet épisode de "L'édito politique", Guillaume Tabard analyse l'impact des récents meetings des candidats à la présidentielle. Malgré une forte activité médiatique, les sondages restent stables, à l'exception de la progression de Jordan Bardella du Rassemblement national. Le journaliste explique cette situation par le fait que les électeurs ne sont pas encore dans une logique de choix. Il évoque également le scandale de l'affaire Lyhanna et les problèmes dans le périscolaire parisien, qui semblent avoir profité à Jordan Bardella.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Dans cet épisode, nous plongeons au cœur d'un sujet qui s'apprête à transformer durablement le paysage des ressources humaines : la transparence salariale.Alors que 84 % des pays européens devront rendre le reporting des écarts salariaux obligatoire d'ici 2026, seules 7 % des entreprises disposent aujourd'hui d'une véritable stratégie en la matière. Est-ce un sujet que les entreprises subissent par peur de la non-conformité, ou un levier de compétitivité pour attirer les talents ?Pour répondre à ces questions, nous recevons Sidonie Viala. Ensemble, nous décryptons les enjeux de cette transformation structurelle, loin des idées reçues.Au programme de cet échange :Pourquoi maintenant ? Entre l'évolution de la loi et la pression sociale, la transparence est devenue une attente standard pour 7 candidats sur 10.Les défis concrets : Pourquoi 79 % des entreprises voient encore la transparence comme une simple affaire de conformité plutôt que comme une transformation RH ? Nous aborderons la question cruciale de la fiabilité des données et des systèmes d'information.L'impact sur le terrain : Comment la transparence modifie-t-elle les grilles de salaires, les négociations individuelles et l'équité globale ? Crée-t-elle de la motivation ou une nouvelle forme de rigidité ?Le cas concret de 360Learning : Sidonie partage les coulisses de la mise en place de cette culture de la transparence, l'impact sur le recrutement et la préparation des managers face à ce niveau d'ouverture.Tu as aimé cet épisode ?Fais-le savoir : like, partage, commente. C'est ce qui nous aide le plus à grandir. 

Aujourd'hui, Emmanuel de Villiers, entrepreneur, Barbara Lefebvre, prof d'histoire-géo, et Sam Zirah, créateur de contenu, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Aujourd'hui, Mourad Boudjellal, éditeur de BD, Joëlle Dago-Serry, coach de vie, et Charles Consigny, avocat, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Aujourd'hui, Mourad Boudjellal, éditeur de BD, Joëlle Dago-Serry, coach de vie, et Charles Consigny, avocat, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Aujourd'hui, Mourad Boudjellal, éditeur de BD, Joëlle Dago-Serry, coach de vie, et Charles Consigny, avocat, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Paul Gutierrez is joined by defensive end Kwity Paye to discuss Head Coach Klint Kubiak, the defense and more.See omnystudio.com/listener for privacy information.

"Paye Ta Tournée" c'est une soirée à 2 avec des drinks, de l'ecommerce et du rire.Dans ce nouvel épisode de Paye Ta Tournée, on reçoit Julien Eckersley pour une discussion sans filtre sur 20 ans d'e-commerce, les bullshit du marché, l'IA, le composable, LinkedIn, les clients impossibles… et ce qui change vraiment dans le retail aujourd'hui.Un épisode depuis le Moonshiner à Paris, entre anecdotes terrain, convictions fortes et conversations qu'on a normalement après les events, quand les micros sont censés être coupés

Plaintes, compliments, interrogations... Cette saison encore, les Grosses Têtes répondent aux différentes questions et messages des auditeurs à l'antenne. Retrouvez tous les jours le meilleur des Grosses Têtes en podcast sur RTL.fr et l'application RTL.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Aujourd'hui, Charles Consigny, avocat, Flora Ghebali, entrepreneure dans la transition écologique, et Laura Warton Martinez, sophrologue, débattent de l'actualité autour d'Olivier Truchot.

Aujourd'hui, Laura Warton Martinez, sophrologue, Charles Consigny, avocat, et Joëlle Dago-Serry, coach de vie, débattent de l'actualité autour d'Olivier Truchot.

Aujourd'hui, Laura Warton Martinez, sophrologue, Charles Consigny, avocat, et Joëlle Dago-Serry, coach de vie, débattent de l'actualité autour d'Olivier Truchot.

In this Meaningful Money Q&A episode (QA46), Pete Matthew and Roger Weeks answer six listener questions on the financial decisions many UK households are wrestling with right now. We cover bridging the gap to the State Pension with fixed-term annuities, strategies for staying under £100,000 adjusted net income (and avoiding the 60% tax trap), and how LGPS "CARE" pensions work including whether salary sacrifice can reduce student loan repayments. There's also practical guidance for self-employed listeners facing a tough year and needing to cut costs, plus how to think about funding private school fees without derailing long-term plans. Finally, we discuss how to decide whether to take the maximum tax-free lump sum from a defined benefit pension, including the trade-offs and how to model the impact. Shownotes: https://meaningfulmoney.tv/QA46  02:18  Question 1 Hi Pete & Roger, I am a long-time fan of your podcasts, and I often sneak off during the day for some peaceful R&R and listen to your latest release or even go back on old shows. My wife and I are in the fortunate position that we have both retired but still have a number of years before the state pension will commence (6 years / 2 years). Our long-term plan was to build up our private pensions so that we would have a comfortable retirement but also be able to leave our two children a reasonable inheritance which has meant we have been reluctant to dip into our DC pensions too early. With the proposed changes to IHT bringing in the unused pension pots on 2nd death into the estate and on current projection we have in excess of £1m in DC pensions which unfortunately are heavily weighted in my favour to 80/20 and we both have a DB scheme each (circa 5K) which have been activated. My questions relate to fixed term annuity. To bridge the gap between retirement and receiving the state pension for my wife circa 6 years, I was considering looking at one of these to cover sufficient income to take her up to the personal tax allowance limit bearing in mind the annual DB income. My dilemma is where or how best to fund this. Can we or do we use our personal savings? Do we use my wife's DC pension in part? Can I use my own DC pension, but any withdrawal would be subject to 20% tax rate so not a preference even if allowed? As part of my look into these fixed term annuities, there also seems to be an option to have guaranteed cash return at the end of term.  Is there any sense in considering this as it would require a bigger investment or withdrawal?  Would this cash also be tax free or would it be income and added to your existing income stream? It would seem to me that if I wanted to reduce the pension pot differential but ensuring the tax payable was only 20%, then I could either max my withdrawal requirement annually or consider the annuity route but this could be complicated with my state pension commencing 2027? Should I be hung up on the pension pot differential values between us and does the IHT rule of the couple's tax-free limit being £650,000 nil rate ignore where the money originates.  This pension pot differential must be quite common, do you have any other comment or suggestions that would be helpful. I, like many of your listeners enjoy your banter and how you impart knowledge to the wider audience for their better good – a big thank you for this. Best Regards Brett. Meaningful Academy Retirement Planning 11:04  Question 2 Hi Pete & Roger, I'm a big fan of the podcast — thanks for all the clear and practical advice you share each week. My base salary is about £76k, but with shift allowance and a car allowance my total package is closer to £90k. On top of that, I can earn overtime (which is unpredictable) and I also get a discretionary bonus of up to 20% of base salary. The challenge is that we don't find out the actual bonus figure until the end of March, but if we want to waive it into pension we have to decide in advance — so it's guesswork. Without any planning, the bonus can push my adjusted net income over £100k, which means I start to lose my personal allowance and fall into the so‑called "60% tax trap" between £100k and £125k. At the moment, I already have several salary sacrifices in place: – Pension, Holiday purchase, Share Incentive Plan (SIP). I'm now considering adding an electric vehicle through salary sacrifice, which would reduce my taxable pay by about £10.5k a year. That would keep my adjusted net income below £100k, but it obviously reduces my monthly take‑home. I'm 29, so I don't mind putting a bit extra into my pension for the long term, but I don't want to over‑commit too early and lose too much cash flow now. In the next year or so, my wife and I are also planning to have children — which adds another layer, because if my income goes over £100k we'd also lose access to childcare perks. I know there are worse problems to have, but I'd really like to maximise my take‑home pay without losing benefits and while staying as tax‑efficient as possible. So my question is: how should someone in my position — with variable overtime, an uncertain bonus, existing salary sacrifices, and family planning on the horizon — think about the £100k threshold, the 60% tax trap, and the personal allowance taper? And more broadly, how should PAYE employees balance lower monthly net pay against the tax efficiency, taper protection, and childcare benefit eligibility that salary sacrifice schemes can provide? Many thanks. Lewis. 19:48  Question 3 Hi Pete and Rog I'm 28 and my fiancé is 26 so we're at the early stages of building our empire. The knowledge and insight I've picked up from listening to you over the past 12 months has been a massive help, so thank you! My financial situation is fairly run of the mill: a  Salary Sacrifice DB pension with a 6% employer match, early days Stocks & Shares ISA, emergency fund etc. However my Fiancé works for our local council and has a DC pension titled "CARE". From what I can understand, this means every year she works, she builds up an amount, that yearly amount tracks inflation up to retirement, then at retirement all those revalued yearly amounts are added together to give her a guaranteed annual income for life. To my question! Firstly, is my understanding correct, or is there anything I'm missing? And secondly, is there a way of playing with her percentage pension contribution to lower the amount of student loan she has to pay back? Bonus question: I've just finished Q&A Ep31 and caught wind Pete had a beer - what's your tipple of choice? Always thankful for each episode and video you provide! Thanks, Tom   24:23 Question 4 Hi Pete and Rog Long time Facebook group, podcast and you tube fan, asking a question that I haven't heard answered yet. I am self employed, and have been for 12 years now. 2025 has been an unexpectedly difficult one in my industry with corporate customers cancelling projects and budget cuts, and individual clients feeling uncertainty. How can I make hard decisions about cutting back on my business and personal expenses, whilst also staying as positive as possible about the future? My turnover is down about 30%, with a knock on effect on my income. I've stopped investing in my pension as the business isn't making enough profit to do so, and am now looking at cutting back on business expenses like the subcontractors I book to work with me and marketing (which I've held off doing hoping income will recover). Meanwhile I took on many personal expenses that feel very hard to cancel like private health cover for my family, income protection insurance, gym membership, kids sports clubs and their  orthodontist treatments - all totalling £6-800 pounds per month. I'm not sure where to start! Thanks for considering my question. Best Wishes, Lara   31:40 Question 5 Dear Pete and Roger, Loving your podcast. I can honestly say listening to it has transformed my relationship with money and investing. My husband used to do all the money management alone and seems thrilled I've finally shown an interest... Short version: - She 39, he 44 - Her - late starter due to Uni and maternity - now profits of £60pa self emp - He has £50k pa accrued in DB scheme plus AVCs - maxing contributions - He sacrifices to stay below £100k - ISAs - they don't say how much As the children are approaching secondary age and with some SEND issues in the mix we are looking at all the options including fee-paying independent schools. Luckily with the age gaps we have we will only be paying for two kids at any one time and grandparents are stepping in for eldest. This is costly, but I think doable for us as we're quite frugal people anyway. I'm now working out how best to fund this. If we reduce our pension contributions we will lose huge amounts to tax and student loan deductions (in my case) - 62%/47% (him) and 51% (me) will be deducted and we'll lose the childcare funding for our toddler which will be a massive blow. Would it be mad/bad to release some equity from the house, enjoy this money now and pay this off with a pension lump sum when we can access it? I feel that it would be absolutely mad to retire with far more than we need, whilst our children missed out but also mad to miss out on the tax relief. I'm really interested in your thoughts and if there are other ideas? We have just a few years to prepare and ideally I'd like some flex or contingency in any plan. Could an offset mortgage be useful here? I could go full time but I don't want to miss out on raising the kids so this would be the last resort. It just feels like a cash flow issue that needs some planning for. HELP! Thank you for reading, fingers crossed I've got all the vernacular right and haven't caused any confusion. Take care and best wishes, Annie   36:58  Question 6 Hi Nick…Roger…and the other guy!  I'm an avid new listener having read and loved Pete's retirement book and binged on your podcasts. I'm loving what you do and how you do it, and have recommended you widely.  My question relates to how I judge the amount of tax free lump sum to take from a DB scheme. It feels wrong to convert inflation-protected DB pension into a lump sum, but I'm thinking of taking the maximum and wonder if I'm being foolish. I could take my £40k DB in 18 months or could reduce this to £26k for £190k lump sum with a commutation factor of 14. The spouses pension is maintained at 50% of the unreduced pension (ie £20k) even if I take a lump sum. Nice! My wife will also have a £6k DB at same retirement date. We will both receive max state pensions 2 years later. We also have SIPPS and some ISAs and I am confident that these non-DB funds will see us through to state pension age with good margin. My budget shows we will need up to £60k PA spend for very comfortable retirement. £40k PA to cover basics. If I didn't take a lump sum then we have £40k (DB) + £6k (wife DB) + £24k (SP) = £70k income. This works. But as I say, I actually think I should take a max £190k lump sum… This would mean £26k (DB) + £6k (wife DB) + £24k (SP) = £56k total index linked, which works out at £49k after tax.  The additional £11k PA will be easy to provide from the  invested lump sum. But the real reason to take the max lump sum is to manage the risk of me being first death. If/when that happens then my wife has £20k (spouse DB)+ £6k (her DB) + £12k (SP) = £38k index-linked income, or £33k after tax. I think she'll need to find £15-£20k PA from the invested lump sum to stay comfortable. This feels more borderline, especially as she has little natural affinity for investing and may be better buying an annuity.  It seems to me that I would be wise to take the full lump sum to best provide for my wife should I die first (statistically the most likely). This matters a lot to me. Is this reasonable thinking? Or is there a way of judging an in-between lump sum? With kind regards, Tim  

We pull out Santa's back sack and take a look at Brandon Cisse, Mike Washington and Jadarian Price as some new names get added to the Seahawks draft mix. We keep hearing about the possibility of the Seahawks drafting a running back, so we revisit conversations about two of the top RB choices that might be available and Gregg Bell threw a new name into the mix for the Seahawks at CB. :30- RYLEE PAYE (Tacoma Rainiers) Chuck will join Rylee on the Rainiers broadcast tomorrow, so we check in with the voice of the Rainiers. Colt Emerson is the talk of Tacoma. Who else is standing out for the Rainiers right now? How is the pitching staff looking? :45- We close out the show with one last thing!

We pull out Santa's back sack and take a look at Brandon Cisse, Mike Washington and Jadarian Price as some new names get added to the Seahawks draft mix. We keep hearing about the possibility of the Seahawks drafting a running back, so we revisit conversations about two of the top RB choices that might be available and Gregg Bell threw a new name into the mix for the Seahawks at CB. :30- RYLEE PAYE (Tacoma Rainiers) Chuck will join Rylee on the Rainiers broadcast tomorrow, so we check in with the voice of the Rainiers. Colt Emerson is the talk of Tacoma. Who else is standing out for the Rainiers right now? How is the pitching staff looking? :45- We close out the show with one last thing! See omnystudio.com/listener for privacy information.

Aujourd'hui, Laura Warton Martinez, sophrologue, Charles Consigny, avocat, et Didier Giraud, éleveur de bovins, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Quick update for SAVE borrowers. Meredith and Joe break down what the end of SAVE means and how to plan your next steps.Notices start July 1 with a 90-day window to choose a new planIf no plan is selected, loans may move to Standard repaymentYou can switch now. PAYE and IBR are available and forgiveness progress carries overMake sure your contact info is up to date so you don't miss your noticeIf you'd like help clarifying your next steps, schedule a student loan consult with our team at Vet Debt Experts: https://calendly.com/vetdebtexperts

Stephen Grootes speaks to Edward Kieswetter, Commissioner of the South African Revenue Service about the revenue service surpassing the R2 trillion mark in net tax collections for the first time, reaching R2.01 trillion in the 2025/26 financial year. The milestone comes despite a challenging economic backdrop, including sluggish growth, load shedding and global uncertainty, and reflects stronger compliance efforts, improved administrative efficiency and support from key tax categories such as VAT and PAYE. In other interviews, Raksha Darji, Principal economist at the Competition Commission talks about the latest Cost of Living Report, which shows that despite inflation easing, South African households remain under sustained pressure from persistently high prices for essential goods and services. The findings highlight how costs for electricity, water, food and education have risen far faster than headline inflation in recent years, with utilities alone increasing sharply and continuing to drive household expenses. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 to 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Edward Kieswetter, outgoing Commissioner of the South African Revenue Service, about surpassing the R2 trillion mark in net tax collections for the first time, reaching R2.01 trillion in the 2025/26 financial year. The milestone comes despite a challenging economic backdrop, including sluggish growth and global uncertainty, and reflects stronger compliance efforts, improved administrative efficiency and support from key tax categories such as VAT and PAYE. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

Bienvenue sur le podcast Profit, Liberté, No Stress. Les 3 mots qui représentent le mieux mon « idéal business » et les stratégies que je mets en place pour vous permettre de l'atteindre. Se créer une activité qui rapporte vraiment, qui nous rend libre et avec laquelle nous sommes en paix : peu de stress, peu de contraintes.J'ai dépensé des dizaines de milliers d'euros en billets business class. Et aujourd'hui, je le regrette.Dans cet épisode, je te raconte pourquoi j'ai arrêté de voyager en business — non pas par radin erie, mais par logique financière. Je t'explique comment notre cerveau nous convainc de justifier des dépenses irrationnelles, et pourquoi le confort d'un vol de 10h peut te coûter bien plus cher que tu ne le crois.Au programme :La vraie différence entre luxe et haut de gamme (et pourquoi ça change tout)Ce que chaque billet business t'aurait rapporté investi en bourseLe principe des intérêts composés appliqué à tes dépenses du quotidienComment les personnes fortunées gèrent vraiment leur argentPourquoi retarder la gratification est l'un des meilleurs investissements que tu puisses faireUn épisode sans filtre sur mes erreurs financières, la valeur de l'argent, et la liberté qu'on gagne quand on arrête de consommer du luxe par défaut.Envie de vivre de votre expertise ? Cliquez iciPour commander mon livre : Digital SelfmadeHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Hour Two of the Good Morning Football Podcast begins with focusing on the free agency moves in the NFL. Hosts Mike Yam, Jason Cabina, Seth Rollins, and Mike Garafolo are joined by DE Kwity Paye to discuss him signing a free agent deal with the Raiders and the possibility of playing with Maxx Crosby. Fmr NFL DT Gerald McCoy gives his thoughts on the Crosby situation with the Raiders. Plus, Gerald explains his excitement for former teammate Mike Evans joining the 49ers! The Good Morning Football Podcast is part of the NFL Podcast NetworkSee omnystudio.com/listener for privacy information.

New Las Vegas Raider Kwity Paye spoke about his signing to play for the Raiders. Hear what he had to say on the Las Vegas Raiders Insider w/ @HondoCarpenter on PFI, Pro Football Insiders. Learn more about your ad choices. Visit megaphone.fm/adchoices

New Las Vegas Raider Kwity Paye spoke about his signing to play for the Raiders. Hear what he had to say on the Las Vegas Raiders Insider w/ @HondoCarpenter on PFI, Pro Football Insiders. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sometimes, the pain in life is not because of the pain itself, but because of all the things we could not say. Is there a word (Lafz), a feeling, or a truth that reached your lips but couldn't become a voice?In this deeply personal monologue, let's reflect on the emotional burden of unsaid words and ankahe ehsaas. We often carry this baggage—an unresolved mix of anger, silent love, unspoken complaints, and fear—to save relationships, but what is the cost to ourselves?Here's me... sharing my journey of realizing that the things we silence don't just disappear; they return in our loneliest moments, asking, "What would have been lost if I had said it that day?" This conversation is a profound reminder that we must acknowledge the existence of these feelings, not as a weakness, but as a path to self-love and self-care. It's a message that reminds us to embrace ourselves and the silent love we carry.Join me in this thoughtful conversation on life philosophy and the liberating power of acknowledging our truth.Apne Dil Ki Baat Kaho. Your turn to speak. Have you ever felt the pain of unsaid words? Share your thoughts and experiences in the comments section below. Let's create a space of acceptance and silence.Share this thought with a friend who needs to hear this message today. Make sure you're Subscribed so we can continue this conversation about life together!Come be a part of My YouTube Family ️Subscribe To my YouTube Channels️ ‪@AshishVidyarthiActorVlogs‬ ️ ‪@AshishVidyarthiPodcast‬ ️ ‪@FoodKhaanaWithAshishVidyarthi‬ ️ ‪@fiftypluszindagi‬ ️ ‪@KahaniyaanWithAshishVidyarthi‬ Press the bell icon to be the first to get notified each time I upload a new video.Performing live in your city next...For Tickets & Updates on Next Shows, click here: https://linktr.ee/AshishvidyarthiStories that heal ️"Kahanibaaz Ashish Vidyarthi"We meet again next time—until then,Alshukran Bandhu,Alshukran Zindagi.

Join Andrew's FREE Investing for Beginner's Masterclass. Click the Link Here  

Aujourd'hui, Antoine Diers, consultant, Barbara Lefebvre, enseignante, et Jérôme Marty, médecin généraliste, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

If income-driven repayment flexibility matters to you, don't wait until summer 2026. Any federal loans disbursed on or after July 1, 2026, lose access to IBR, ICR, and PAYE. Because consolidation can take months to process, treat April 1, 2026 as your planning deadline. FREQUENTLY ASKED QUESTIONS What is changing with income-driven repayment? The One Big Beautiful Bill Act (OBBBA), signed July 4, 2025, restructures federal student loan repayment starting July 1, 2026. Loans disbursed on or after that date are limited to a new Standard Repayment Plan or the Repayment Assistance Plan (RAP). Legacy plans — IBR, ICR, and PAYE — will not be available for those loans. Are IBR, ICR, and PAYE going away entirely? Not immediately. Borrowers with loans disbursed before July 1, 2026, who take on no new loans after that date, can still enroll in or remain on IBR, ICR, or PAYE. That said, per NASFAA's bill analysis, borrowers on ICR or PAYE must move to IBR, a standard plan, or RAP by July 1, 2028 — otherwise they are automatically placed in RAP. IBR remains available for existing borrowers on an ongoing basis. Why does consolidation matter? Borrowers with FFEL loans, Perkins loans, or mixed federal portfolios often must consolidate into a Direct Consolidation Loan to access income-driven repayment at all. Under the OBBBA, that loan must be disbursed — not just applied for — by June 30, 2026. A consolidation disbursed on or after July 1, 2026 loses access to IBR, ICR, and PAYE, even for borrowers previously enrolled in those plans. Parent PLUS borrowers have an additional requirement: a consolidation loan used to pay off a Parent PLUS loan must enter repayment under ICR before July 1, 2026 to preserve later IBR eligibility. Why April 1? April 1 is not in the law — it's a practical safety deadline. Federal Student Aid encourages borrowers who need to consolidate to apply at least three months before July 1, 2026 to ensure disbursement clears by June 30. Three months back from July 1 is April 1. What counts as "disbursed"? Disbursement means the consolidation loan has been fully processed, the underlying loans paid off, and a new Direct Consolidation Loan officially issued. Submitting an application or receiving approval does not count if the actual disbursement occurs on or after July 1, 2026. Should everyone consolidate before April 1? No — consolidation is not automatically the right move. Consider the impact on interest capitalization, existing borrower benefits, and forgiveness timelines before acting. The goal isn't "everyone consolidate." It's everyone check. Log in to StudentAid.gov, review your loan types, and determine whether action is needed before the window closes. REFERENCES NASFAA (2026, January). Federal student aid changes from the One Big Beautiful Bill Act. https://www.nasfaa.org/uploads/documents/Federal_Student_Aid_Change_OB3.pdf U.S. Department of Education, Federal Student Aid. Big updates: Changes to federal student loan repayment. https://studentaid.gov/announcements-events/big-updates U.S. Congress (2025). H.R. 1 — One Big Beautiful Bill Act (119th Congress). https://www.congress.gov/bill/119th-congress/house-bill/1/text

Tous les dimanches à minuit, Daniel Riolo propose une heure de show en direct avec Moundir Zoughari pour les passionnés de poker. Conseils d'un joueur professionnel, actualité, tournois... Votre rendez-vous poker, sur RMC !

This is Season 3, Episode 17 of The Run TMC Podcast. But first, the Run TMC Season 3 popup store is live. Click here to shop: https://encr.shop/runtmcseason3 In this episode hosts Duffy Ballard and Dave Levine chat with John Paye about his remarkable multi-sport career — from Menlo High to being a 2-sport star at Stanford, eventually playing with the 49ers and winning a Super Bowl ring, and his long, successful run as a high school girls basketball coach (including 4 state titles). They cover coaching philosophy, the evolution of girls' basketball, John's progression as a two-sport Division 1 star, and memorable moments with legends like Joe Montana and Bill Walsh. Also included are sponsor shout-outs, a glossary segment, and anecdotes about coaching techniques, improvisational communication, and coaching stories that shaped Paye's approach. Enjoy the interview and local updates from Marin County. This interview was conducted on February 22nd, 2026  Show Notes The Run TMC Season 3 popup store is live Click here to shop: https://encr.shop/runtmcseason3 Our friend and former guest Dave Albee is battling kidney disease and needs help. More about his battle here.  (G): Content is Mostly Global Interest Topics (M): Content is Mostly Inside Marin Topics Musical intro credit to Stroke 9//Logo credit to Katie Levine Content and opinions are those of Dave, Duffy and their guests and not of affiliated organizations or sponsors email us at: theruntmcpodcast@gmail.com follow us on Instagram @theruntmcpodcast check out our website at: theruntmcpodcast.com thank you to our sponsors: The Hub in San Anselmo Encore Custom Apparel online and in downtown San Rafael  Batiste Rhum  The Social Klub in Sausalito San Domenico Nike Summer Basketball Camps

Aujourd'hui, Élina Dumont, intervenante sociale, Antoine Diers, consultant auprès des entreprises, et Charles Consigny, avocat, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Pete and Roger answer six listener questions covering Coast FIRE strategies with GIAs, US 401(k) tax implications in the UK, record keeping for IHT-exempt gifts, Australian pension taxation for UK residents, pension contributions to avoid the £100k tax trap, and managing a £2M portfolio as Power of Attorney. Shownotes: https://meaningfulmoney.tv/QA39    01:17  Question 1 Hi Pete and Roger, I'm 29 and working towards Coast FIRE within the next 2–3 years so I can begin a digital nomad lifestyle — working remotely while knowing my long-term retirement is taken care of. Right now, I've got: - £45k in a Stocks & Shares ISA - £25k in a workplace pension (via salary sacrifice) - A Lifetime ISA for a future house deposit (or later retirement) - A fully funded emergency fund I've already maxed out my ISA for this tax year and plan to continue doing that every year. But I have more money to invest now, and I know that to reach Coast FIRE on my timeline, I need to start using a General Investment Account (GIA). Here's where I'm stuck: I want to keep things simple and tax-efficient, but I feel a bit nervous about GIAs. I keep hearing about the "bed and ISA" strategy but don't really understand how it works in practice or how to implement it over time. Could you explain: - How best to use a GIA alongside an ISA when working towards FIRE? - How to manage capital gains and dividend tax efficiently? - And how the bed and ISA approach actually works — especially for someone trying to keep things simple? Thank you both so much — your podcast has been an incredible resource and a big part of why I've been able to take control of my finances. Warmly, Pauline 12:22  Question 2 Hello Pete & Roger I am very late convert to the podcast but have been ploughing through the Q&A for a few days now. I think I only have another 592 episodes to get through so should be up to date by the end of the week !! I am not sure whether this has been covered or not. I have a 401K plan that has been hibernating in the USA for 20 years. I have only recently started looking at it and now need to understand the tax implications. I have tried to read HMRC guidelines on tax treaties etc but get even more confused than before. My current belief is that the provider will pay this money out by means of US issued cheque (not a problem) but withhold 30% tax (a problem). How will HMRC treat this? The usual sources http://unbiased.co.uk for one run for the hills on finding information about this, is this an area you can provide guidance, but obviously not advice as I know you cannot through the podcast. Regards, Stephen 16:10  Question 3 Hi Pete & Roger, Like so many people I am really impressed, not just with your knowledge and great communication skills, but that you put out such life changing content. You're providing us with the means to help ourselves in this financial world as well as letting us know when to seek professional help. On to my question: we're (wife and I) retired (late-60s) and are lucky enough to have more than enough to comfortably live on, thanks to DB & state pensions, house price inflation etc. Not really through any financial planning but just having been born at the right time! So we do now have an IHT liability. We have a joint second death Whole Of Life policy (in trust) in place for potential IHT and have given help with house deposits for our children. We also are gifting to the kids out of our excess income and would like your thoughts on the type of record keeping needed for this. We have letters stating the intention to give the gifts, recording who to etc. We keep completed IHT403 forms which we update annually. We also have a monthly/annual spreadsheet of income/expenses which demonstrates our surplus and keep track of expenses with the MeMo transaction tracker (thanks for that). These are all in our 'WID' file (again thanks to you for that). What we're not sure about is any documentation that might be needed to evidence the figures. Income is straightforward with P60s, statements of interest/dividends. However, what is required for expenses? Can't really keep all supermarket receipts etc and even bank/credit card statements would be quite bulky over several years. Not sure if we're overthinking but don't want to leave a difficult task for our kids when we're gone. Thank you both again for all the good you are doing Simon 20:33 Question 4 Brian (in Australia) Thank you for all your podcasts and videos but I think I may have to sign up to the academy to fully get my head around all the UK rules. We are looking to move to the UK from Australia - we have no UK govt pension entitlements but are retired with personal Australian private superannuation account pensions. The pension income payments and withdrawals are all tax free in Australia but will the UK government apply a tax on these pension payments once we are UK residents?   Thanks again for all your useful information. Regards, Brian 22:55  Question 5 Hi Roger (and Pete), I had a question which is boiling my brain far more than it should and I was hoping you could include it in one of your Q&A episodes. I'm in the fortunate position of being caught by the £100k 'tax trap' due to being paid a bonus for the first time in a number of years. This particular first-world problem is being made all the worse because my daughter will start nursery next year so in addition to the 60% tax charge on my bonus, we would also lose the 30 free hours of childcare we currently have access to. I currently salary sacrifice roughly £5,000 of salary into my pension (which my employer matches) and this holds my income at £99,000. However there is no option for me to do any kind of 'bonus sacrifice'. My only choice is to receive the bonus payment net of tax & NI through PAYE and then make a payment into my personal pension (a Vanguard, low cost multi-asset fund, just like you taught us!). I think I'm right in saying my pension provider will claim back the basic rate tax automatically for me, and I can then claim back the other 20% via my tax return with HMRC paying this extra 20% back to me directly. So far so easy, but what I can't work out is just how much I have to pay in to my pension in order to take all of the bonus payment out of my taxable income. Presumably its not the net amount extra that gets paid into my bank account on the month my bonus is paid because this will also be net of NI, meaning I wouldn't have paid enough in to avoid the £100k trap. Assuming my bonus payment was £10,000 (I don't know the exact figure yet but its likely to be around this amount), could you talk through how to calculate the net payment I need to make into a personal pension to achieve the desired result? As a follow up to this, if HMRC send me a cheque (very 1990's) for say £2000 of refunded higher rate tax, do I need to pay this into my pension in the next tax year to avoid having it counted towards my taxable income in that financial year? Please keep up the great work that you both do, you've really helped me get my financial life in order after an extremely difficult period in my life. Thank you both! Jimmy 27:29  Question 6 Hi Pete and Rog, Firstly, a huge thank you for all the insight and support you continue to offer. The impact of the Meaningful Money Podcast is immense—I've personally benefited so much from your free content over the years. I'll keep this as brief as I can: My great aunt (now 84) has built a substantial portfolio over decades—about £2 million across ~60 individual company shares, with approx. £1.3 million in a GIA and the rest in S&S ISAs. She also holds £400k in fixed-term bonds, savings accounts, and premium bonds. Sadly, she was diagnosed last year with dementia and Alzheimer's and now resides in a care home. I am her Power of Attorney and want to act in her best interests—simplifying her affairs and ensuring tax efficiency, especially regarding her legacy. She has no spouse or children but wishes to leave money to nieces, nephews, and charities. Here's my working plan: - Offset gains in the GIA by selling loss-making investments (totalling £30k–£40k) alongside some of the profit making investments to reduce market exposure without incurring CGT costs.     - Liquidate all shares in her S&S ISAs and transfer funds into cash ISAs with decent interest rates - Leave most of the GIA portfolio untouched to benefit from the CGT uplift on death Am I broadly on the right track for tax efficiency and sensible financial planning? Should I seek formal advice to ensure I'm doing the best by her? Thanks again for all you do—it really matters. Best regards, Josh  

Aujourd'hui, Joëlle Dago-Serry, coach de vie, Bruno Poncet, cheminot, et Jean-Loup Bonnamy, professeur de philosophie, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Get ideas for spending less in February and learn how deferment affects Public Service Loan Forgiveness (PSLF) payments. How can a month-long spending challenge reset your money habits? Should you keep paying student loans while in grad school if you're close to Public Service Loan Forgiveness and planning a move? Hosts Sean Pyles and Elizabeth Ayoola discuss no-spend experiments and “friction” strategies to help you build spending habits that stick while juggling big life changes. Joined by personal finance Nerd Amanda Barroso, they begin with a discussion of designing a February no-spend challenge, with tips and tricks on setting rules that fit your life, deciding where the saved money will go, and avoiding a binge-and-purge rebound. Then, lending Nerd Kate Wood joins Sean and Elizabeth to help answer a listener's question about how to weigh student loan payments against saving for a new home. They discuss how deferment affects qualifying PSLF payments, what to check before switching repayment plans or taking out new grad school loans, and how to prioritize cash flow when you're balancing a car payment, a mortgage, and an emergency fund. See NerdWallet's list of the best private student loans: https://www.nerdwallet.com/student-loans/best/private-student-loans  See all the winners of NerdWallet's Best-Of Awards: https://www.nerdwallet.com/l/awards?utm_source=sm&utm_medium=podcast&utm_campaign=cm_organic_020226_podcast_sm_desc_allepisodes_best-of-awards  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 In their conversation, the Nerds discuss: no-spend challenge, low-spend challenge, spending freeze, budgeting challenge, money habits, impulse spending, track expenses, friction-maxxing, cash-only budget, stop online shopping, takeout spending, spending triggers, phone addiction and spending, Brick phone blocker, attention and spending, sinking fund, emergency fund, high-yield savings account, student loan deferment, student loan payments in grad school, Public Service Loan Forgiveness, PSLF qualifying payments, PSLF payment count, qualifying employer PSLF, income-driven repayment, PAYE repayment plan, Income-Based Repayment, Income-Contingent Repayment, Repayment Assistance Plan, graduate student loan changes 2026, Grad PLUS loans, federal student loan borrowing limits, professional degree loan cap, nursing graduate student loans, buying a house with student loans, mortgage planning, moving costs, car payment budget, and student loan forgiveness uncertainty. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.In this first-ever OD listener Q&A episode, we tackle seven questions covering practice ownership, retirement accounts, student loans, and tax strategy. From why your practice is your most important investment to navigating the backdoor Roth IRA maze, we break down what actually matters for ODs at different career stages.Submit Your Questions to the Podcast:Submit your questions for future Q&A episodes: OptometryWealth.com/podcastquestionListener Questions We Tackle:What can younger optometry practice owners do to build wealth in the first few years of ownership?How are "backdoor" Roth IRA contributions recorded on an optometrist's tax return?Why does a traditional IRA "ruin" the "backdoor" Roth IRA contribution for optometrists?Why is a 401(k) plan "better" for optometry practices than a SIMPLE IRA?Are owner's distributions from optometry practices taxable?Should optometrists pay down student loans or save for practice ownership?If an optometrist is on the PAYE plan for student loans, does he/she need to switch repayment plans due to the One Big Beautiful Bill Act?Episode Chapters[00:00:52] What can younger optometry practice owners do to build wealth in the first few years of ownership?[00:06:08] How are "backdoor" Roth IRA contributions recorded on an optometrist's tax return?[00:09:01] Why does a traditional IRA "ruin" the "backdoor" Roth IRA contribution for optometrists?[00:12:29] Why is a 401(k) plan "better" for optometry practices than a SIMPLE IRA?[00:17:25] Are owner's distributions from optometry practices taxable?[00:20:42] Should optometrists pay down student loans or save for practice ownership?[00:25:34] If an optometrist is on the PAYE plan for student loans, does he/she need to switch repayment plans due to the One Big Beautiful Bill Act?Resources MentionedSubmit your questions for future Q&A episodes: OptometryWealth.com/podcastquestionThe Optometry Money Podcast Ep 151: How Filing Taxes Separately Impacts Student Loan Outcomes for OptometristsThe Optometry Money Podcast Ep 143: How the Final One Big Beautiful Bill Act Impacts Optometrists – Taxes, Student Loans, and More!The Optometry Money Podcast Ep 68: Financial Planning Considerations When Preparing for Practice OwnershipThe Optometry Money Podcast Ep 69: Financial Planning Considerations for the Early Years of Practice OwnershipThe Optometry Money Podcast Ep 70: Financial Planning Considerations for Owners of Established Optometry PracticesThe Optometry Money Podcast Ep. 49: An Optometrist's Guide to Business EntitiesThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

En 2026, on ne change pas une équipe qui gagne : Pierre Niney et Sébastien Thoen, c'est l'amour fou... Retrouvez tous les jours le meilleur des Grosses Têtes en podcast sur RTL.fr et l'application RTL.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Financial Clarity for Doctors tackles some student loan updates with hosts Rachelle Vanderzanden and Corey Janoff.  On December 10th, the Department of Education proposed a settlement in the case challenging the SAVE plan and agreeing to dismantle the payment plan (pending court approval, so maybe not officially dead).  What does that mean for the seven million borrowers still enrolled in the plan?  Next steps for SAVE plan participants:  Most folks will likely need to apply to move into a new income-driven payment plan or move into a Standard repayment plan.  This means recertifying income and enrolling in one of the remaining plans.  Currently, those options are IBR, ICR, or PAYE with the new RAP plan being rolled out this coming summer.  If the goal is to work toward Public Service Loan Forgiveness (PSLF), you will likely want to enroll in the plan that equals the lowest payment.  When you reach 120 months of qualifying employment, you can look into the “Buyback” program to see if you can make payments from your time in forbearance.  If the goal is not PSLF, you can explore lots of options, payment plans, and even refinancing.  Although move slowly with refinancing!  Moving to a private bank has some downsides.  As with everything, your student loan approach should be determined based on your goals and needs.  Any strategy (including loan repayment) depends on the specifics of your situation.  If needed, consult with a professional to try to find the best strategy for your loans.  They were an investment in your future!   But we don't want them hanging over your head forever.  For more financial planning tips from Corey and Rachelle, find them on social media!  LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance     Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

The SAVE plan is officially dead. Learn what the SAVE lawsuit settlement actually says (not the rumors), who really needs to pay attention right now, and what you should do next. We walk through why millions of people are still stuck in SAVE forbearance, what repayment plans are actually available going forward, and how upcoming rulemaking could reshape income-driven repayment yet again. If you're waiting things out, this is your nudge to get proactive before the Department of Education decides for you. Key moments: (01:07) The lawsuit that officially ended the SAVE plan (05:01) Why borrowers should get off the SAVE plan asap (09:03) Borrowers are also losing access to PAYE (13:22) Why I don't think the RAP plan will be around for the next 30 years (18:25) Act early to avoid being defaulted into the wrong plan   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

We're here with the hilarious Jake Jabbour and Shakira Paye! Things get silly.:02 - Out of Gas13:35 - Guided Meditation for Men28:54 - Carpool ZenSubscribe at patreon.com/mandog for the full episode!Subscribe to ⁠⁠⁠ManDog on YouTube!⁠ Check out ⁠⁠⁠BigGrandeWebsite.com⁠⁠⁠! Subscribe to ⁠⁠⁠Big Grande⁠⁠ on Youtube! - https://www.youtube.com/@biggrandevids Eat Pray Dunk and Hey Randy on CBB World! - https://www.comedybangbangworld.com/ Yes, Also YT! - https://www.youtube.com/channel/UCgWKnIrmQ973mnHJtRRNAdA"