Podcasts about retirement accounts

Saving for retirement is only part of the equation. In this episode of The Budgetdog Breakdown, Brendan answers listener questions about retiring at 50, Roth conversion ladders, tax-efficient investing, asset location, and the HSA's role in retirement planning. The conversation begins with the importance of building flexibility across pretax, Roth, and taxable accounts. Brendan explains how having too much money concentrated in one tax bucket can create challenges when it's time to withdraw, and walks through the concept of Roth conversion ladders for people retiring before traditional retirement age. We also explore why the location of your investments matters, including why interest-producing assets such as bonds can be less tax-efficient in taxable brokerage accounts. Finally, Brendan breaks down the HSA's triple tax benefit and explains why it can function as an additional retirement-planning tool. Money isn't just about how much you accumulate. It's also about how efficiently you can use it. Episode Timeline and Highlights 00:00 Why wealthy people rely on systems 00:18 Retiring at 50 with a pretax-heavy portfolio 01:17 The three investment buckets 02:33 Understanding tax-efficient withdrawals 03:34 How Roth accounts work 04:15 Taxable brokerage accounts and tax flexibility 04:56 Required minimum distributions 05:15 Understanding Roth conversion ladders 06:10 How conversion ladders work 07:11 When Roth conversions may make sense 08:04 Rule 72(t) and Rule of 55 08:57 Tax preparation vs. tax strategy 09:36 Roth conversions after a job loss 10:41 Why asset location matters 13:52 Understanding dividends and taxes 14:12 Why bonds can be tax inefficient 15:46 The HSA triple tax benefit 16:45 Reimbursing yourself for medical expenses 17:44 Why an HSA can function as a retirement account 18:59 What changes at age 65? 19:39 The importance of keeping receipts 20:57 Final thoughts Key Takeaways • Retirement planning requires more than accumulating money • Pretax, Roth, and taxable accounts each provide different forms of flexibility • Roth conversions may be worth considering during lower-income periods • Tax strategy should be based on your individual circumstances • Asset location can affect your after-tax results • Interest income from bonds is generally taxed differently from long-term capital gains • HSAs offer multiple tax advantages • Keeping documentation for qualified medical expenses is important • Planning withdrawals before retirement can help create greater flexibility Quotables "If you only fill up one bucket...it makes your journey much harder." "How you withdraw that money matters." "Your CPA is likely set up to do tax prep...they're not thinking about the strategy." "The HSA is one of my favorite accounts." The goal isn't simply to accumulate as much money as possible. It's to build a financial structure that gives you flexibility when you actually need to use it.

CPF savings in the Special, MediSave and Retirement Accounts will continue to enjoy a 4% interest rate floor until the end of 2027. But what does that mean for the money you have outside CPF? Michelle Martin speaks with Elijah Lee, Senior Financial Services Manager at Phillip Securities, about how investors should weigh CPF’s relatively attractive returns against liquidity and the potential for higher investment returns elsewhere. They discuss whether CPF should be viewed as part of your overall portfolio, whether having a secure CPF base gives you room to take more risk outside it, and why comparing CPF’s 4% directly with REIT, dividend-stock or bond yields can be misleading. Plus, when might investing your CPF savings make sense, how should the equation change as you approach 55, and who should think twice before locking more money away in CPF?See omnystudio.com/listener for privacy information.

Angel investing can feel like it takes a spare million dollars and access that most of us never get. Emma Malina challenges that assumption, and this episode shows how women can start angel investing with a check as small as five thousand dollars. Emma Malina is an active investor and the host of Matcha and Money, a Santa Barbara gathering built to get women talking honestly about capital. On Getting Rich Together, host Syama Bunten traces Emma's path from teenage DJ to New York real estate broker to investor. As a teenager, Emma walked into a bank with fifty pounds from a DJ gig and opened a pension plan despite being told she was too young. That same instinct shaped her real estate career, including a 1031 exchange that helped move her from a Brooklyn walk-up to a 3,600-square-foot house on an acre in Santa Barbara. She also shares her first steps into equity crowdfunding for beginners and pre-IPO investing for beginners, the family estate crisis that pushed her toward Matcha and Money, and a clear answer for anyone wondering how to become an angel investor with little money. Her larger case is that women have real power in how they use their money, and that becoming thoughtful owners, investors, and stewards of capital gives them a greater voice in shaping the future. Listen for the full story and a real starting point if you have been waiting to write your first check.   Episode Breakdown: 00:00 A Teenage DJ Opens Her First Pension 04:35 Growing Up Between Santa Barbara and London 08:20 First Jobs, Club Culture, and Early Money 20:49 The Bus Stop Ad That Started It All 29:04 Restaurants, Real Estate, and Building Instincts 37:38 Retirement Accounts and Her First Apartment 44:31 Leaving New York and Starting Over 49:45 How Women Can Start Angel Investing 51:42 Her Mother's Estate and a Hard Lesson 56:37 Building Matcha and Money From Her Living Room   Find more from Syama Bunten: Your money story may be shaping your financial life more than you realize. After hundreds of conversations with women at all stages of their financial lives, Syama distilled the questions that helped her understand her own patterns into The Money Story Reset, a free guide featuring five guided reflections and personal stories from her journey. Download The Money Story Reset and begin uncovering the beliefs behind your financial decisions: https://wealthcatalyst.com/reset/ Apply For Your Seat @ The 4th Wealth Catalyst Summit | San Francisco, October 16: https://wealthcatalyst.com/sf2026/ Register to Attend a Salon Near You: https://wealthcatalyst.com/salons/ Instagram: https://www.instagram.com/syama.co/ Join Syama's Substack: https://thewealthcatalystwithsyama.substack.com/ Website: https://wealthcatalyst.com/ Big Delta Capital: https://www.bigdeltacapital.com/     Podcast production and show notes provided by HiveCast.fm  

Not all retirement accounts are created equal, and misunderstanding the difference could have a major impact on your tax bill. In this episode, Mike Douglas explains how traditional IRAs, Roth IRAs, 401(k)s, brokerage accounts, and inherited accounts are taxed differently. He discusses common mistakes retirees make, the concept of “taxing the seed versus the harvest,” capital gains rules, tax-loss harvesting, and why account withdrawal strategies can affect long-term retirement income. Learn why understanding the tax treatment of your accounts is an important part of retirement planning. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Maxing out your 401k or retirement accounts sounds like a major financial win, but even great savers can make costly mistakes. In this episode of the Wise Money Show, we break down common retirement contribution mistakes involving catch-up contributions, employer matches, Roth rules, and income limits. Learn how to avoid missed opportunities, unexpected tax problems, and other errors while making the most of your retirement savings.  Season 12, Episode 5 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.   Watch this episode on YouTube: https://youtu.be/JNPRD11cbEw  Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. This video may discuss estate planning concepts but does not constitute legal advice. Please consult an attorney for advice specific to your situation. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Text us a comment or question!What if one of the most important things you could do for your future had nothing to do with losing weight?What if you should be paying more attention to building muscle?In this episode of The Over 50 Health & Wellness Show, I'm continuing my special Behind the Book series by reading Chapter 7 of my upcoming book, Fully Alive: A Blueprint for Building the Strongest, Healthiest, and Most Meaningful Second Half of Your Life.And this chapter is called Muscle Changes Everything.For decades, we've been taught to think about muscle as something cosmetic - big biceps, six-pack abs, bodybuilders, athletes, and gym rats.But especially after 50, muscle is about something much bigger.Muscle is capacity.Muscle is resilience.Muscle is protection.Muscle is freedom.It helps determine whether you can climb the stairs, carry your luggage, get off the floor, play with your grandkids, recover from illness or injury, travel, stay active, and continue saying YES to life.In this episode, you'll discover:Why muscle is far more than cosmetic tissueWhy getting lighter isn't necessarily the same thing as getting healthierHow muscle protects your independence and freedomThe idea behind your Muscle Retirement AccountWhy strength training after 50 is an investment—not punishmentHow small physical investments compound over decadesWhy your ability to remain active later in life is being built right nowThe incredible story of a woman who began lifting at 70 and became a world-record powerlifterWhy it's never too late to become strongerAnd why building muscle may be one of the best investments you can make in your next 30 yearsI Want Your FeedbackFully Alive is still being written and revised - and you're getting a behind-the-scenes look at the book before the finished version ever hits the shelves. And I genuinely want your help making it better.What resonated with you in this chapter? Did the Muscle Retirement Account change the way you think about strength training? Was there something you disagreed with, wanted me to explain better, or wished I had gone deeper on? Or did this chapter remind you of your own story?Email me at coach@silveredgefitness.com.I personally read your messages, and your feedback may help shape the final version of Fully Alive.And if you know somebody who still thinks lifting weights after 50 is just about looking good... send them this episode.Because we're not building muscle just to change what we see in the mirror. We're building it so that 10, 20, and 30 years from now, we still have the strength, capacity, independence, and freedom to fully participate in our lives.

Apryl Pope, CFP®, CPFA®, CEPA®, is the Founder and Lead Financial Advisor of Pope Financial Planning, where she helps successful professionals approaching retirement turn what they've built into a clear plan for what comes next.With more than a decade of experience, Apryl serves as a Personal CFO to individuals and couples typically within 10 years of retirement, coordinating retirement, investments, taxes, insurance, estate planning, and other major financial decisions. Her planning-first approach provides comprehensive guidance without requiring clients to move all of their existing investments.A former Peace Corps Volunteer and lifelong educator, Apryl was named a 2025 Woman of Excellence by the National Association of Plan Advisors. She lives in Cincinnati with her husband and three sons and understands firsthand how career, family, and life priorities shape financial decisions.Her goal is to help clients move from asking, “Have I done enough?” to feeling confident about what comes next.Learn More: https://www.popefinancialplanning.com/The opinions voiced in this show are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-apryl-pope-founder-of-pope-financial-planning-discussing-your-retirement-accounts-arent-a-retirement-strategy

Apryl Pope, CFP®, CPFA®, CEPA®, is the Founder and Lead Financial Advisor of Pope Financial Planning, where she helps successful professionals approaching retirement turn what they've built into a clear plan for what comes next.With more than a decade of experience, Apryl serves as a Personal CFO to individuals and couples typically within 10 years of retirement, coordinating retirement, investments, taxes, insurance, estate planning, and other major financial decisions. Her planning-first approach provides comprehensive guidance without requiring clients to move all of their existing investments.A former Peace Corps Volunteer and lifelong educator, Apryl was named a 2025 Woman of Excellence by the National Association of Plan Advisors. She lives in Cincinnati with her husband and three sons and understands firsthand how career, family, and life priorities shape financial decisions.Her goal is to help clients move from asking, “Have I done enough?” to feeling confident about what comes next.Learn More: https://www.popefinancialplanning.com/The opinions voiced in this show are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-apryl-pope-founder-of-pope-financial-planning-discussing-your-retirement-accounts-arent-a-retirement-strategy

You saved into your 401 (k) for decades, reduced your taxes every year you could, and watched the balance grow. But the IRS doesn't retire when you do. Every dollar you pull from that account in retirement is ordinary income, and if it is your only account, you could end up in the same tax bracket you were in when you were working, or higher. In this episode of Financial Commute, Wealth Advisors Ian Rennick and Mike Rudow break down the four types of retirement accounts, why the conventional withdrawal order most people follow might be a short-sighted strategy, and what it looks like to build a customized and flexible tax-smart retirement plan before you need it.*Questions This Episode Answers*How do I withdraw from retirement accounts without a big tax hit?What is the right order to withdraw from retirement accounts?What is a Roth conversion and when does it make sense?What is the early retirement tax window?Should I put all my retirement savings into my 401k?How does having only a 401k affect taxes in retirement?

You probably wouldn't wait until retirement to start saving for retirement. So why wait until you feel weak to start building muscle?In this episode, I'm making the case that muscle deserves to be treated like a retirement account. The strength you build now becomes a physical reserve you can draw from later, helping you stay capable, independent, and confident as you age.If you've ever wondered when do you start losing muscle, the answer may be earlier than you think. Muscle mass can begin gradually declining in our 30s, which is exactly why building muscle after 40 deserves your attention before weakness becomes noticeable in everyday life.We'll look at the research behind female aging body changes and why muscle isn't just about looking toned or changing your body composition. Strength affects your ability to climb stairs, carry luggage, get off the floor, maintain your balance, recover from periods of inactivity, and continue doing the things you love.In this episode, you'll learn:When you start losing muscle and why those small losses can add up over several decades.Why building muscle after 40 is absolutely possible, including after menopause and well into your 60s, 70s, and beyond.The benefits of strength training for women beyond appearance, including independence, bone health, metabolic health, and physical capacity.How female aging body changes can affect muscle, strength, and bone health over time.Why nutrition, protein, total energy, sleep, and recovery all matter when you're building muscle after 40.The benefits of strength training for women aren't limited to what happens inside the gym. The real return on your investment is having a body that can continue carrying the suitcase, climbing the stairs, hiking the trail, getting off the floor, and living independently for as long as possible.And while we can't control every aspect of female aging body changes, we can influence the physical reserve we're building today.So if you're asking when do you start losing muscle, don't let the answer discourage you. Let it remind you that you still have time to make deposits. The research is incredibly encouraging about our ability to gain strength and lean mass later in life.Listen to the full episode to learn more about the benefits of strength training for women and why you shouldn't wait until you feel weak to decide that strength matters.Your future body needs something to draw from.Start making deposits now.RESOURCES MENTIONED IN THIS EPISODE:Access free and low cost resources and services from this episode HERE!Read the full show notes for this episode HERE!Episode 51 with Mark BreedonCONNECT WITH EMILY FIELD RD:InstagramWebsiteFacebook

Retirement balances are hitting record highs - and although it might be tempting to tap into that money, experts warn financially squeezed savers to think twice before raiding their accounts. Professional beach volleyball takes over Chicago's Oak Street Beach this weekend for the 2026 AVP League Championships, and Tesla prepares to reveal its latest vision for fully driverless transportation.

On the Money Meets Medicine podcast, Dr. Jimmy Turner and Justin Harvey answer three listener questions. First, they discuss 457 plans and how to determine if you should be participating in yours, including the three questions to answer to figure it out in your situation. They alos discuss if doctors should have emergency funds and, if so, how large they should be. Finally, they chat about investing bonus money: invest it all in at once? Or let it trickle in through dollar-cost averaging (DCA)?Resources for this episode: Every doctor needs own-occupation disability insurance. Get a quote from Money Meets Medicine Disability Insurance, co-founded by host Dr. Jimmy Turner. Are you looking for a new accountant? Check out Gelt, the tax strategy team that Jimmy Turner personally uses. Use this link to get 10% off Gelt's services the first year you work with them. Looking to increase your financial literacy, but not sure where to start? Get a free copy of Dr. Jimmy Turner's best-selling book, The Physician Philosopher's Guide to Personal Finance. IRS guide on differences between governmental and non-governmental 457 can be found here. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode: A retired CPA has one warning for his friends. Greg breaks down why taxes get trickier after you stop working — and where DIY filers tend to slip up. Wall Street has a $3 trillion headache, and it's your cash. Greg unpacks why advisors get uneasy when money moves to the sidelines, and how much risk retirees really need. A listener in Indianapolis has a growing HSA and a big decision. Greg talks through whether to let it compound or put it to work now. A dripping faucet can fill a swimming pool. Greg uses that image to explain how small percentage fees quietly add up, and how a fee analysis reveals what you're paying. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3663: Chris Reining answers a reader who wants to reach financial independence by 50 and wonders whether a 401(k) is still worth funding. He walks through the tradeoffs of 401(k), Roth IRA, and taxable accounts, including the 72(t) rule for penalty-free early access and why an employer match is money you should never leave behind. He also shares the simple two-account approach he used before leaving his job at 37. Read along with the original article(s) here: https://chrisreining.com/should-i-stop-using-retirement-accounts-if-im-planning-to-retire-early/ Quotes to ponder: "there isn't a one-size-fits-all solution for financial independence and early retirement" "not taking advantage of a match is like not bending down to pick up thousands of dollars off your kitchen floor" "Align your life with what matters to your future self, and you'll start living a more meaningful life, right now." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Wall Street can promise dazzling returns, but private equity's fees, illiquidity, and tax drag may leave investors with far less than the headline number. Don and Tom unpack research showing how ordinary index funds and municipal bonds can deliver comparable after-tax results with much less risk.Then a startling poll claims many Americans believe stocks only help the richest—and that gambling may beat investing. The hosts push back with the math, then tackle when taxable brokerage accounts belong after retirement savings.They close with practical answers on international bonds, paying college costs from a 529, and the surprisingly complicated quest for a signed copy of Don's novel.03:47 — Private equity promises vs. after-tax reality10:38 — Do stocks only benefit the top 1%?13:03 — Gambling or investing: which odds win?16:36 — Retirement accounts before taxable brokerage19:47 — Do you need international bonds?21:08 — The cleanest way to use 529 money22:32 — A signed copy of The Line Uncrossed?Questions? Comments? Click!

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3663: Chris Reining answers a reader who wants to reach financial independence by 50 and wonders whether a 401(k) is still worth funding. He walks through the tradeoffs of 401(k), Roth IRA, and taxable accounts, including the 72(t) rule for penalty-free early access and why an employer match is money you should never leave behind. He also shares the simple two-account approach he used before leaving his job at 37. Read along with the original article(s) here: https://chrisreining.com/should-i-stop-using-retirement-accounts-if-im-planning-to-retire-early/ Quotes to ponder: "there isn't a one-size-fits-all solution for financial independence and early retirement" "not taking advantage of a match is like not bending down to pick up thousands of dollars off your kitchen floor" "Align your life with what matters to your future self, and you'll start living a more meaningful life, right now." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3663: Chris Reining answers a reader who wants to reach financial independence by 50 and wonders whether a 401(k) is still worth funding. He walks through the tradeoffs of 401(k), Roth IRA, and taxable accounts, including the 72(t) rule for penalty-free early access and why an employer match is money you should never leave behind. He also shares the simple two-account approach he used before leaving his job at 37. Read along with the original article(s) here: https://chrisreining.com/should-i-stop-using-retirement-accounts-if-im-planning-to-retire-early/ Quotes to ponder: "there isn't a one-size-fits-all solution for financial independence and early retirement" "not taking advantage of a match is like not bending down to pick up thousands of dollars off your kitchen floor" "Align your life with what matters to your future self, and you'll start living a more meaningful life, right now." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

The explosive growth of data centers is creating a surprising surge in demand for workforce housing near construction and operation sites. This under-the-radar connection between AI infrastructure and real estate markets opens up investment angles most people haven't considered.Today's Stocks & Topics: Medtronic plc (MDT), Market Wrap, UWM Holdings Corporation (UWMC), Valero Energy Corporation (VLO), How to Read the Charts, Target Corporation (TGT), Data Centers, Housing, and the Hidden Real Estate Play in the AI Boom, Retirement Account, DoubleVerify Holdings, Inc. (DV), Gold, Roblox Corporation (RBLX), Dell Technologies Inc. (DELL), Credit Markets.Our Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Quince and use my code quince.com/INVEST for a great deal: https://www.quince.comAdvertising Inquiries: https://redcircle.com/brands

Just when you thought America had invented every possible retirement account, along comes the Radish. Don and Tom dig into the proposed employer-funded savings plan, the man who helped create the 401(k), and whether workers really need another tax-advantaged vegetable in an already crowded garden.The practical answer is simpler: start saving now. A Roth IRA and one broad global stock ETF can do more good than waiting for the perfect account—or learning every acronym in the retirement alphabet.Listener questions cover diversifying beyond rental real estate, whether spreading accounts across custodians is useful cyber insurance, moving emergency cash from Ally to SGOV, Roth 401(k) matching, and Roth IRA withdrawal timing.00:37 Mountain music and backyard radishes02:40 The retirement-account alphabet04:36 What exactly is a Radish plan?09:04 Save now; simplify later11:53 Diversifying beyond rental real estate16:15 TSP, SEP IRA, and custodian cyber risk19:06 SGOV for an emergency fund21:26 Roth 401(k) matching and Roth IRA accessQuestions? Comments? Click!

Can your brokerage firm actually stop you from accessing your own money? In this episode, we walk through a real case involving a $3 million retirement account, explain when firms are allowed to place a temporary hold, and show you what you can do now to protect your independence. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

87% of people who inherit an IRA make a mistake that can destroy up to half the account's value. Most of them have never heard of the rule they broke.In this episode, Michael Haslam and Brian Edwards break down what actually happens after an IRA or 401(k) gets inherited. The old "stretch IRA" that let heirs spread withdrawals over their own lifetime disappeared in 2020, replaced by a flat 10-year window. And as of 2024, the IRS clarified something most families still don't know: many heirs also owe an annual required distribution in years one through nine, not just a deadline at year ten. Miss it, and the penalty is steep.Key Takeaways:The Stretch IRA Is Gone: Why the old model of "leave it to the kids, they'll spread it over their lifetime" stopped being true in 2020, and why so many plans are still built around it.The Real 10-Year Rule: How the 2024 final regulations settled years of confusion. If the original owner had already started required distributions, the heir owes annual distributions too, not just a lump sum by year ten.The 25% Penalty: What happens if a required distribution gets missed, and the two-year window that cuts the penalty from 25% down to 10%.The Roth Conversion Move: Why converting before death, while the owner is in a lower tax bracket than their kids will likely be, can shift the entire tax bill to a cheaper rate.Michael Haslam and Brian Edwards 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.

Dave Erfle, Founder of the Junior Miner Junky, joins me to review the latest price action in the precious metals sector, his technical outlook, major support thresholds, and the historical cycles keeping long-term investors grounded. We also delve into why he recently added 3 new gold names to his retirement account, and key lessons learned from 3 heavily-weighted JMJ portfolio positions.   Key discussion points:   Precious Metals Could Be Building A Base For The Next Leg Higher: Gold, silver, and the PM stocks have essentially held at key support, and quit going down, with selling exhaustion showing up in the summer doldrums. It could be that the PM sector is just beginning to emerge from a multi-month correction within a larger secular bull market.   Technical Levels To Watch On The Gold Sector ETFs:  An analysis of key weekly support and resistance levels on both GDX and GDXJ.  Dave also points to the longer-term historical peaks for consideration, and even what price levels he considers the “all clear” threshold on if they are obtained.   Rotating Oil Profits Into 3 New Gold Positions: Dave shares that a few weeks back he cashed out some well-earned oil stock profits, and rotated them into 3 stocks within his personal retirement account (not the same as the Junior Mining Junk Portfolio).  We review the fundamental reasons, and importance of having a solid watchlist to pull from. Alamos Gold Inc. (TSX:AGI; NYSE:AGI) Perpetua Resources Corp. (Nasdaq: PPTA) (TSX: PPTA) New Pacific Metals Corp. (TSX: NUAG) (NYSE-A: NEWP)   Learning Lessons From 3 Key JMJ Portfolio Positions: We discuss how his due diligence evolved on the projects, key recent catalysts, quality management teams, key stakeholders, jurisdiction diversification, share structure, and more on these heavily weighted portfolio positions. Montage Gold Corp. (TSX: MAU) (OTCQX: MAUTF) AbraSilver Resource Corp. (TSX: ABRA) (OTCQX: ABBRF) GoGold Resources Inc. (TSX: GGD) (OTCQX: GLGDF)     Click here to visit the Junior Miner Junky website to learn more about Dave's investment letter – https://www.juniorminerjunky.com/     For more market commentary & interview summaries, subscribe to our Substacks:   The KE Report: https://kereport.substack.com/ Shad's resource market commentary: https://excelsiorprosperity.substack.com/     Investment disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security. Investing in equities and commodities involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned.    

What is the one critical thing your employees care about deeply that you might be completely overlooking?This is Invested at Work: Off the Cuff. Unscripted and top-of-mind, where industry leaders share candid perspectives on the realities of scaling businesses, managing total compensation strategies and navigating the complexities of leadership.This week: Aaron Schumm, founder, CEO and chairman of Vestwell.To hear the full story of how Aaron is rebuilding workplace savings from the ground up, check out his full interview with host Rodney Bolden, available right now in your feed.For more conversations on the future of workplace financial benefits, make sure to follow or subscribe to Invested at Work. Share this episode with a colleague, and visit us at morganstanley.com/atwork to unlock the power of your organization's benefits.Visit Vestwell.com to learn more about workplace savings vehicles.Visit MorganStanley.com/atwork for more insights on workplace financial benefits.Invested at Work is brought to you by Morgan Stanley at Work, hosted by Rodney Bolden. Our executive producers are Fiona Kelsey and Lisa Boyce, and our associate producer is Ive Jones. Our production partner is Sequel Media Inc.#investedatworkpodcast #employeebenefits #workplacebenefits #sharemorganstanleyThis podcast episode is for informational/educational purposes only and is not investment, legal, or tax advice. Participants in this podcast are not compensated and are not affiliated with Morgan Stanley. The guest speaker (Aaron Schumm/Vestwell) is an external guest; the views expressed are solely his own and do not represent Morgan Stanley's views.Nothing in the episode should be construed as a recommendation or solicitation to buy/sell any security, adopt any investment strategy, or implement any particular plan design; listeners should consider their own circumstances and consult appropriate professionals.The discussion is general in nature and not intended to address any particular individual/entity's circumstances.Morgan Stanley Smith Barney LLC and its affiliates and Financial Advisors/Private Wealth Advisors do not provide tax or legal advice; tax laws are complex and subject to change; consult a tax advisor/attorney.Information contained herein is based on data from multiple sources considered to be reliable and Morgan Stanley Smith Barney LLC (“Morgan Stanley”) makes no representation as to the accuracy or completeness of data from sources outside of Morgan Stanley.When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley's role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.This episode discusses legislation and regulatory initiatives—such as the “savers match,” child savings accounts/“Trump accounts,” “Trump IRA,” ERISA-related provisions, and the “in-plan vs. out-of-plan” emergency savings framework—those references are provided for general informational purposes only and are not intended as legal, tax, or compliance advice.Any discussion of laws, regulations, proposed rules, or government programs reflects general commentary and may not reflect the most current legal or regulatory developments.Laws and regulations are complex, may be amended, and may be subject to different interpretations by regulators, courts, plan fiduciaries, and other parties; guidance and enforcement priorities may also change over time.Accordingly, listeners should not rely on the episode as a substitute for professional advice, and should consult their own qualified legal counsel, tax advisor, ERISA counsel, or other appropriate professional regarding their specific circumstances and any plan design, eligibility, or implementation questions (including questions related to ERISA provisions, leave/eligibility rules, and emergency savings design considerations).Any examples or observations about how a law or rule operates in practice (including commentary that certain approaches may be “unworkable” or difficult to implement) are general perspectives and may not apply to all employers, plans, providers, or jurisdictions.©2026 Morgan Stanley Smith Barney LLC. Member SIPC. CRC#5528084 07/2026

⚖️ Understanding the Importance of a Marital Settlement Agreement | Los Angeles Divorce

On this Classic Suze School: A lesson on the language of money in retirement accounts. Learn about rollovers, transfers and conversions. Knowing the meaning of these words may keep you from making a mistake, keep you from paying taxes when you don't have to and keep you from getting into a penalty situation. 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.

Most investors think retirement accounts are only for stocks and mutual funds. Adam Bergman, founder of IRA Financial, explains how wealthy investors use self-directed IRAs, Roth IRAs, and alternative investments like private equity and real estate to build long-term wealth. Learn the biggest retirement investing mistakes, key IRS rules, and strategies that can help you maximize your retirement portfolio.Have more questions, or want more resources like a tax calculator? Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://investlikeabillionaire.org/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to learn more about our community. Check out Ben & Bob's company and invest along at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://aspenfunds.us/

✍️ How to Change Beneficiaries on Retirement Accounts After Divorce | Los Angeles Divorce

Qualify for a Mortgage Using Your Assets: A Smart Path to HomeownershipHave you ever found yourself in a frustrating situation where you have a healthy nest egg in your bank accounts, a robust investment portfolio, or a solid retirement fund, but traditional mortgage lenders seem to only focus on your taxable income? It's a common dilemma for many successful individuals - particularly the self-employed, retirees, or those with significant investment income - whose financial picture doesn't neatly fit into the conventional W-2 employee mold. You know you have the financial strength to afford a home, but the standard income verification process feels like a roadblock, not a pathway. If your tax returns don't reflect the full scope of your financial capability, it can be disheartening to think your homeownership dreams might be out of reach. But what if there was a way to leverage the wealth you've diligently built, using your liquid assets to prove your mortgage qualification? At DDA Mortgage, we understand that your financial story is more complex than a single income line. We're here to show you how your funds in the bank, your investments, and your retirement accounts can actually be your strongest allies in securing a mortgage.Leveraging Your Wealth: Stocks, Savings, and Retirement Accounts for Mortgage QualificationThe traditional mortgage qualification process often heavily relies on your reported taxable income, typically verified through pay stubs, W-2s, and tax returns. While this works well for many, it can be a significant hurdle for those whose income fluctuates, is derived from diverse sources, or is strategically minimized for tax purposes. This is where asset-based mortgage programs come into play, offering a refreshing alternative by looking at your overall financial strength rather than just your recent income statements.Understanding Asset-Based Lending for MortgagesAsset-based lending for mortgages is a specialized program designed for borrowers who have substantial liquid assets but may not have a verifiable income stream that meets traditional lending guidelines. Instead of focusing solely on your monthly income, lenders like DDA Mortgage evaluate the value and liquidity of your financial assets to determine your ability to repay the loan. This approach acknowledges that wealth can be accumulated and maintained in various forms, all of which contribute to your financial stability.The DDA Mortgage Asset-Based Lending Process: Your Path to HomeownershipAt DDA Mortgage, we believe that your financial strength should open doors, not close them. Our asset-based lending program is designed to provide a clear, transparent, and efficient path to homeownership for those who have built substantial wealth but face challenges with traditional income-based qualification. We understand the nuances of non-traditional financial profiles and are committed to finding solutions that work for you. Our process is streamlined to make your experience as smooth as possible, from initial inquiry to closing.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

“You're taking a 50-plus-year-old industry and flipping it on its head and saying, ‘We're going to redo this from the ground up.'” Aaron Schumm, founder, CEO and chairman of Vestwell, is shaking things up when it comes to modernizing workplace savings solutions. As inflation concerns rise and workforce demands shift, traditional benefits packages are no longer enough. In this episode, Aaron joins host Rodney Bolden to share how fintech innovation is allowing companies to build flexible, automated benefits frameworks that can help relieve employee financial stress, improve retention and scale seamlessly with organizational growth. At Vestwell, Aaron leads a fintech unicorn currently anchoring customizable benefits for over half a million businesses and two million individual savers. Having previously scaled the wealth management technology platform FolioDynamix, Aaron transitioned to the workplace benefits sector after recognizing systemic inefficiencies in how employee savings plans were administered. Visit Vestwell.com to learn more about workplace savings vehicles. Visit MorganStanley.com/atwork for more insights on workplace financial benefits. Invested at Work is brought to you by Morgan Stanley at Work, hosted by Rodney Bolden. Our executive producers are Fiona Kelsey and Lisa Boyce, and our associate producer is Ive Jones. Our production partner is Sequel Media Inc.This podcast episode is for informational/educational purposes only and is not investment, legal, or tax advice. Participants in this podcast are not compensated and are not affiliated with Morgan Stanley. The guest speaker (Aaron Schumm/Vestwell) is an external guest; the views expressed are solely his own and do not represent Morgan Stanley's views. Nothing in the episode should be construed as a recommendation or solicitation to buy/sell any security, adopt any investment strategy, or implement any particular plan design; listeners should consider their own circumstances and consult appropriate professionals. The discussion is general in nature and not intended to address any particular individual/entity's circumstances. Morgan Stanley Smith Barney LLC and its affiliates and Financial Advisors/Private Wealth Advisors do not provide tax or legal advice; tax laws are complex and subject to change; consult a tax advisor/attorney. Information contained herein is based on data from multiple sources considered to be reliable and Morgan Stanley Smith Barney LLC (“Morgan Stanley”) makes no representation as to the accuracy or completeness of data from sources outside of Morgan Stanley. When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley's role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. This episode discusses legislation and regulatory initiatives—such as the “savers match,” child savings accounts/“Trump accounts,” “Trump IRA,” ERISA-related provisions, and the “in-plan vs. out-of-plan” emergency savings framework—those references are provided for general informational purposes only and are not intended as legal, tax, or compliance advice. Any discussion of laws, regulations, proposed rules, or government programs reflects general commentary and may not reflect the most current legal or regulatory developments.Laws and regulations are complex, may be amended, and may be subject to different interpretations by regulators, courts, plan fiduciaries, and other parties; guidance and enforcement priorities may also change over time. Accordingly, listeners should not rely on the episode as a substitute for professional advice, and should consult their own qualified legal counsel, tax advisor, ERISA counsel, or other appropriate professional regarding their specific circumstances and any plan design, eligibility, or implementation questions (including questions related to ERISA provisions, leave/eligibility rules, and emergency savings design considerations). Any examples or observations about how a law or rule operates in practice (including commentary that certain approaches may be “unworkable” or difficult to implement) are general perspectives and may not apply to all employers, plans, providers, or jurisdictions. ©2026 Morgan Stanley Smith Barney LLC. Member SIPC. CRC#5528084 07/2026

On this episode: She bought her dream house on the beach but may have done it the wrong way. Is the greed factor getting you in this stock market? If you delay Social Security and draw off your 401(k), does the math work? Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

In this episode of ThimbleberryU, you'll hear why reducing chaos for the people you love is one of the most practical and caring financial steps you can take. It is not a topic most people want to face, but it is one almost every family eventually has to deal with. For healthcare professionals, financial life can get complicated quickly. You may have old retirement plans from different hospital systems, HSAs, deferred compensation, insurance portals, stock plans, passwords, apps, and accounts spread across many places. It is easy to assume your spouse or family member will know who to call, but that only works if they actually know where to start. You are not avoiding this because you are irresponsible. You may be avoiding it because life is busy and the topic feels emotionally heavy. But your loved ones should not have to become detectives during a crisis. They already have to deal with fear, grief, logistics, and decisions. The goal is not perfection. The goal is enough clarity so someone can take the next right step. This can be especially important for healthcare professionals because they handle complexity every day at work. That can make you more tolerant of complexity in your personal life. Over time, financial life becomes layered. One person in the household often becomes the default organizer, and that works until that person is unavailable. This is operational planning for your family today, not just estate planning for someday. A good starting point is simple: who to call, where things are, and what matters first. You do not need a giant binder with every detail of your life in it. Your family needs important contacts, major accounts, insurance information, legal document locations, and a basic explanation of how bills are paid. A one page summary sheet can make a huge difference. You'll also hear about password managers, emergency access, and the importance of testing access before there is an emergency. Email and phones often act as master keys to financial life, so you need to think carefully about both security and usability. If your system is so secure that no trusted person can get in during a crisis, it fails the people it was meant to protect. Amy also addresses households where one spouse handles most of the finances. The answer is not mastery. It is familiarity. Regular household CFO meetings can help both people understand income, accounts, insurance, contacts, and emergency processes. After a sudden death or medical crisis, families often freeze, move too fast, close accounts too early, miss deadlines, or let insurance lapse. Amy recommends slowing down, stabilizing first, and thinking in phases: 30 days, 60 days, 90 days, and the first year. The real message is that a simple system is far better than no system at all. You are not trying to predict a crisis. You are giving the people you love enough clarity to breathe, think, and take the next right step when they need it. (00:00) Intro (00:56) Why people put off emergency planning (01:45) Progress over perfection (02:21) Why healthcare professionals face added complexity (04:04) Where to start when there is no system (04:49) The three essentials: who to call, where things are, what matters first (05:47) Password managers and emergency access (08:53) Balancing security and accessibility (11:00) When one spouse handles the finances (14:50) Common mistakes after death or medical crisis (17:20) Thinking in 30, 60, and 90 day phases (18:20) Making life easier for the people you love (19:41) How to contact Thimbleberry Financial (20:03) Disclosures To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

Send us Fan MailWelcome to our new 8-part series focused on building long-term wealth through smarter retirement investing strategies. Throughout this series, we'll explore how investors can use retirement accounts to invest beyond traditional stocks and bonds and take advantage of opportunities in multifamily real estate investing.The Laurens will be joined by Pat Poling from Mara Poling and we'll break down the concepts, strategies, and potential benefits of retirement account investing in a practical, easy-to-understand way.Over the course of this series, we'll cover:Investing with Your Retirement AccountDiversificationHow to Invest Using a Retirement AccountCompounded Returns Investing in Multifamily Real EstateInvesting in Multifamily Real Estate with Your ROTHCutting Your Taxes 50% to 70% or MoreThose “Other” TaxesLong-term Multifamily Real Estate InvestingWhether you're just getting started or looking to better understand how retirement accounts can be used to create passive income and long-term financial growth, this series is designed to help you think differently about investing for the future.Be sure to subscribe and join us each week as we continue the conversation and dive deeper into each of these topics.To learn more, visit Mara Poling or email Pat directly at pat@marapoling.com.

Emergency medicine can create a unique financial situation because the income can be high, but the structure of that income can look very different from one physician to another. Some ER docs are W-2 employees with hospital retirement plans, while others are independent contractors managing their own tax payments and retirement setup.  In this episode, we're looking at how that difference changes the way ER physicians should think about extra cash, tax planning, and building wealth beyond the basics. Topics discussed: Why W-2 and 1099 ER doc income structures require different financial strategies. The real hierarchy for extra cash once retirement accounts are maxed. Why paying down 7%+ interest debt acts like a guaranteed return. How short-term rentals unlock major tax losses through material participation. Why cash balance pension plans offer big tax deferral for 1099 docs. Resources mentioned: ERdocadvisor.com

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!

“If there is one single habit you can have in your life to build financial security for yourself, and frankly, to get free money that's on the table, it is to max out your tax-advantaged accounts every single year.”In this episode of the Sunlight Tax Podcast, I revisit why tax-advantaged accounts are one of the most powerful tools for self-employed individuals. I break down how these accounts can help you save more money, lower your tax bill, and build long-term financial security. I also share practical examples, real numbers, and details about my upcoming class so you can make the most of the tax benefits available to you as a freelancer or business owner.Also mentioned in today's episode:00:10 Embracing Summer and Financial Reflection02:50 Understanding Tax-Advantaged Accounts06:05 Maximizing Retirement Savings with SEP IRAs08:50 The Power of Productive Friction in Learning11:58 The Power Triangle for Financial Growth15:10 Strategies for Effective Tax-Advantaged Saving17:55 Upcoming Class: Save Like A MillionaireIf you enjoyed this episode, please rate, review and share it! Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences.Episode Links:Join the Workshop: Save Like a Millionaire: Using Tax-Smart AccountsGet my Tax Help on SubstackGet your FREE visual guide to tax deductionsOrder my book: Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed Get full access to Taxes For Humans at sunlighttax.substack.com/subscribe

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What happens when two people with the same income make very different decisions with their money? Art shares a compelling story that illustrates the power of delayed gratification, then answers listener questions about building net worth and choosing the right place to retire. This episode is packed with practical wisdom for anyone who wants to make smarter financial decisions today and enjoy greater freedom tomorrow.Resources:8 Money MilestonesAsk a Money Question!

Clark's teaching mission has always focused on getting you to save every dollar you can for retirement, especially when you can “set it and forget it” through automatic contributions. It's the best way to achieve financial freedom. Smart new initiatives are helping Americans save more:  Automatic Retirement Savings Programs.   Meanwhile, if you feel like your paycheck isn't going as far as it used to, you're right. Comparing what everyday items cost 30 years ago versus today, the math explains why so many hardworking Americans feel completely squeezed. Critical pillars of the American dream have skyrocketed. Check out the link below to calculate your own inflation reality and see how to make your dollars work harder for you. Inflation Calculator - Clark.com Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 10, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark  Automatic Retirement Savings: Segment 1 Ask Clark: Segment 2 Calculating Inflation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] A better way to make saving money easier What Is a 403(b) and How Does It Work? - Clark Howard How I Set My Teens Up for Retirement in 5 Minutes Here's What 26 Everyday Things Cost In The 1990s Vs. 2026 Inflation Calculator - Clark.com Dacia Cars - Good Thinking - Dacia Chase - Payment Choices Matter Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how you can turn your life insurance policy into a super Roth for retirement. Tom Love is a CEO and financial wealth expert with over 40 years of experience. He walks through the multiplicity of benefits life insurance can unlock not just for the top 1% but for business owners, entrepreneurs, W2, and retirees. We cover the tax advantages, risk mitigation, non-recourse loan benefits, as well as debunking some of the most common talking points against life insurance.Watch the Interview on Youtube for Visuals - https://youtu.be/NABjYZ3BggoConnect with Tom Love: https://www.linkedin.com/in/tom-love/The Breakaway League: https://www.linkedin.com/company/thebreakawayleague/Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Interview Teaser and Introduction to "Super Roths" and Life Insurance 01:54 - Communicating the "Why" and Selective Clientele 02:35 - Wealth Strategies Within the Tax Code 04:18 - Tax-Free Income vs. Tax-Exempt Cash Flow 06:05 - Hidden Debt of Retirement Accounts 09:55 - Mechanics of Non-Recourse Loans 11:40 - The 1990 GAO Report and Tax Exemption 15:52 - Breakaway League and Better Communication 21:11 - Problem with Collateralizing Retirement Plans 25:23 - Case Study: A Billionaire's Insurance Strategy 28:55 - Real-World IRS Audit Story 30:53 - Permanence of the Tax Code and Section 7702 33:13 - The Mount Everest Analogy for Financial Planning 38:43 - Practicality: Taking Loans in Real Life 41:40 - Whole Life vs. IUL and Mutual Companies 44:46 - Warren Buffett and the Life Settlement Market 47:35 - The Conflict of the Fiduciary Registration 50:39 - Debating PUA Riders and Policy Design 54:44 - The Cons and Risks of Life Insurance 57:22 - Collateral Capacity in Real EstateDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Most Americans are far less prepared for retirement than many assume. Don and Tom discuss new Federal Reserve data showing that only about half of Americans have retirement accounts, the median retirement balance is just $200,000, and only a tiny percentage of retirees have more than $1 million saved. They explain why starting early, saving consistently, and avoiding speculative investing matter far more than chasing hot stocks or market trends. The episode also covers Social Security misconceptions, the challenges of retiring on limited income, concerns about Schwab's Teen Investor Account, and the importance of teaching young people disciplined long-term investing habits.0:11 How many Americans actually have enough saved for retirement?2:08 Federal Reserve data on retirement account ownership3:18 The surprisingly low median retirement balance4:47 Why advisors chase million-dollar clients5:07 Income, education, and retirement savings disparities7:06 Homeownership and wealth accumulation8:25 The importance of simply getting started9:41 Why Fidelity says it takes roughly 27 years to reach $1 million10:56 Saving versus investing and the dangers of speculation12:03 Leaving retirement money alone during market and life crises14:08 Bellevue, Nebraska caller asks about Social Security earnings limits15:11 Social Security taxation and claiming considerations16:32 Discussion of Edward Jones and advisor relationships19:29 Can a 76-year-old buy a home with $400 monthly payments?21:44 Schwab Teen Investor Account review22:39 Why Don dislikes stock-picking education for teenagers25:12 How custodians profit from trading activity26:35 Better ways to teach young people about investing27:31 Free advisor meetings and listener resourcesQuestions? Comments? Click!

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Retirement accounts are not just a vehicle to let your money grow over time for when you're ready to stop working. They're also a tax shelter. In this episode, we talk about how much you can expect to save in taxes, the difference between pre-tax and post-tax accounts, and how to decide which to prioritize. Spoiler: when in doubt, just pick one and get started.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitSee pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Pokémon cards are scorching hot right now. An index tracking the thousands of rare cards shows that valuations have increased 170% in the last year alone. Growth like that really makes you wish you hadn't given away all your childhood cards years ago.Today on the show, we cover three things that are contributing to the rapid growth of shiny cards produced by the world's highest-grossing media franchise.Come see Planet Money live on stage in April! 12 cities. Details and tix here: https://tix.to/pm-book-tour. Related episodes: The secret to Nintendo's successThe curious rise of novelty popcorn bucketsThe Curse Of The Black Lotus (Update)For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.To manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy