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This week, David and Marina of FAME Architecture & Design are joined by Noah Roth, Founder of Streetcraft. The three discussed Noah's background and education, starting Streetcraft, the cause of traffic, types of interchanges, human experience of urban planning, online comments, urban design advocacy & communication, business of Streetcraft, solutions to improve streets & how architects can help, strangest intersection, and more. This episode is supported by Chaos • Autodesk Forma & Autodesk Insight • Programa • Learn more about BQE CORE • Future London Academy SUBSCRIBE • Apple Podcasts • YouTube • Spotify CONNECT • Website: www.secondstudiopod.com • Office • Instagram • Facebook • Call or text questions to 213-222-6950 SUPPORT Leave a review EPISODE CATEGORIES • Interviews: Interviews with industry leaders. • Project Companion: Informative talks for clients. • Fellow Designer: Tips for designers. • After Hours: Casual conversations about everyday life. • Design Reviews: Reviews of creative projects and buildings. The views, opinions, or beliefs expressed by Sponsee or Sponsee's guests on the Sponsored Podcast Episodes do not reflect the view, opinions, or beliefs of Sponsor.
In The RACK Podcast...Powered by ProForm Physical Therapy In this episode of In The Rack Podcast, hosts Dr. Chad and Dr. Nick welcome special guest Dr. Linsey Roth, a physical therapist and owner of The Movement Solution in Boxford, Massachusetts. The conversation delves into the nuances of pelvic floor therapy, highlighting its importance for both women and men. Dr. Roth explains her unique approach that avoids internal exams, instead focusing on comprehensive, personalized care that includes breathing exercises, strength training, and dry needling. She also addresses common misconceptions about pelvic health and underscores the need for integrative care models. Dr. Roth shares her journey from working in insurance-based clinics to starting her own practice and discusses the challenges and rewards of being a business owner. The episode concludes with rapid-fire questions on fitness and health topics, providing listeners with practical advice on movement and injury prevention. For more information about Linsey and her clinic, The Movement Solution, visit her instagram at doc.roth or her website ! You can also contact Linsey directly at his location in Boxford, MA at (978)-337-3101. She also has her Mama Movement Series class that is coming up. This is a 6-week small-group postpartum rehab class designed for mothers 2–12 months postpartum who are ready to reconnect with their bodies, rebuild strength, and return to exercise with confidence.Beginning Thursday, February 7th at 9:30 AM, this series blends education and guided movement to help you understand your core, support pelvic floor healing, and learn the foundations needed to safely progress your workouts. ___________________________________________For more episodes, make sure to subscribe and tune in to our podcast. For other resources on our training, physical therapy and health/wellness tips, check out our Website, YouTube Channel, Instagram and of course our Facebook Page!Make sure to subscribe to our Newsletter to get all the updates about what we got going on here at ProForm. Timestamps: 00:00 Introduction to the Podcast 00:56 Meet the Hosts and Special Guest 01:17 Linsey Roth's Background and Practice 02:50 Pelvic Floor Therapy Insights 11:31 Challenges in Women's Health 27:52 Men's Pelvic Health Issues 32:17 Holistic Approach to Pelvic Health 33:37 Discussing Protein and Supplements 33:45 Lab Work and Functional Medicine 34:05 Peptides and Patient Outcomes 35:16 Addressing Nervous System in Therapy 37:27 Correlations in Pelvic Floor Therapy 39:28 Services and Treatments Offered 46:01 Transition to Business Ownership 51:54 Rapid Fire Questions 56:11 Final Advice and Contact Information
Suze Orman's Women & Money (And Everyone Smart Enough To Listen)
On this Suze School, we get a review on the basics of Roth retirement accounts and Suze goes over the new 2026 contribution limits. Then, Suze explains how a new rule around employer sponsored Roths can help you build up a massive tax free retirement account! 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/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin 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/2KcAHbHCLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.
This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired. Here is today's best of 2025 episode…
Poznáte jeho texty – teraz ich budete môcť aj počuť. Každú nedeľu vo svojej podcastovej aplikácii nájdete trochu iný formát Dobrého rána – Roth číta Marca. Eseje a komentáre publicistu Sama Marca v podaní herca Roberta Rotha. Načítaný text: https://www.sme.sk/komentare/c/co-vsetko-sa-prave-deje-v-spojenych-statoch-pise-samo-marec – Všetky podcasty denníka SME nájdete na sme.sk/podcasty – Odoberajte aj audio verziu denného newslettra SME.sk s najdôležitejšími správami na sme.sk/brifingSee omnystudio.com/listener for privacy information.
Shealeigh Voitl and Andy Lee Roth join Steve to talk about Project Censored's State of the Free Press 2025. The book – an annual publication – compiles the year's most important yet underreported or misreported news stories, which they've identified through a student-led research process.Andy highlights the point that corporate news focuses on what went wrong today but ignores what goes wrong every day. “It's the difference between dramatic events and systemic problems.”The #1 underreported story is that of ICE soliciting private contractors to monitor social media for critics and assess their "proclivity to violence," a move toward normalized surveillance that received little corporate media attention.Steve and his guests also discuss broader themes, linking media patterns to cultural hegemony and manufacturing consent, where state and oligarchic interests align to shape public perception. Examples include coverage of Israel-Palestine, university crackdowns on pro-Palestinian speech, and the hiring of figures like Bari Weiss.Andy Lee Roth is editor-at-large for Project Censored and its publishing imprint, The Censored Press. He is co-editor of Project's State of the Free Press yearbook series, and a coauthor of The Media and Me: A Guide to Critical Media Literacy for Young People.Shealeigh Voitl is Project Censored's associate director. She helped develop the State of the Free Press 2024 teaching guide, the Project's Beyond Fact-Checking: A Teaching Guide to the Power of News Frames, and The Project Censored Show's forthcoming segment Frame-Check.Find their work at https://www.projectcensored.org/@ProjectCensored on X
Our first program of 2026 features Growth Stock picks, including some "out of the box" Data Center plays, and high-quality Value Stock picks. We also cover the newly announced contribution limits for your 2026 401k, Roth and Traditional IRAs.
In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the World.Today's Stocks & Topics: A-I Stocks, Bond Maturity, Short-Term Rental Market, The VIX, Crypto, Pre-Tax Allocation vs. Roth I-R-A, Poorly Managed Companies, Publicly Traded Sports Teams, P.E. Ratios, Oil, Portfolio Management, Converting a Traditional IRA to a Roth, Cash Management, How to Calculate Company's Debt, 529 Plan, Entry Point.Our Sponsors:* Check out ClickUp and use my code INVEST for a great deal: https://www.clickup.com* Check out Invest529: https://www.invest529.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brands
It's only day two of the new year. How are those resolutions holding up?Every January, many of us recommit to eating better, exercising more, or finally getting our finances on track. And yet, most resolutions fade long before winter does. The issue usually isn't a lack of desire—it's a lack of accountability and perspective.That's especially true when it comes to budgeting. Managing money well requires more than good intentions. It requires clarity about why we're doing it and a system that supports us day by day.To explore that idea, we sat down with Chad Clark, Chief Technology Officer at FaithFi, to discuss what actually helps people follow through on their financial goals.Why Budgeting Often Feels Like a DietChad shared an observation from years of building budgeting tools: many people view a budget the same way they view a diet. They know it's necessary, but it feels restrictive, temporary, and easy to abandon when life gets busy.The problem usually isn't the budget itself. It's the missing “why.”You may know what you want to do—get out of debt, save more, or give generously—but without a compelling reason behind it, the motivation fades quickly. Sustainable habits require more than goals; they need purpose.For believers, Scripture gives us a clear foundation for our financial “why.” Psalm 24:1 reminds us, “The earth is the Lord's, and everything in it.” God owns it all. We don't.That truth reshapes budgeting entirely. If God is the owner, then our role is stewardship—managing what He has entrusted to us for His purposes.But Chad introduced an important distinction: how we view God as owner matters just as much as recognizing His ownership.Passive Owner vs. Active OwnerChad used a helpful analogy. Imagine managing a coffee shop for someone else.A passive owner hands you the keys, says, “Good luck,” and disappears. You make every decision on your own, unsure what the owner really wants.An active owner, on the other hand, says, “Call me anytime. I'm here to help.” That owner stays engaged, offers guidance, and shares responsibility.Many of us unknowingly treat God like a passive owner—assuming He's uninvolved in our day-to-day money decisions. But Scripture paints a different picture. God desires to be an active owner, guiding us through the Holy Spirit as we seek wisdom and direction.That realization lifts a heavy burden. We're not meant to figure it all out on our own.When we see God as an active owner, budgeting stops being a rigid rulebook and becomes a practical tool for faithful stewardship.A budget isn't the goal—it's the means. It helps us manage the King's resources wisely, align our spending with our values, and make intentional decisions rather than reactive ones.Without this perspective, budgeting can feel overwhelming or pointless. With it, budgeting becomes an act of faithfulness.Why Systems Matter More Than WillpowerAnother key insight Chad shared: budgeting isn't about finding the perfect method—it's about having a system.People manage money differently. Some thrive with detailed categories. Others prefer broader guardrails. The important thing is consistency, not complexity.That's why the FaithFi app was designed with multiple budgeting systems, including a digital version of the classic envelope method many longtime listeners recognize. The goal isn't to force everyone into the same mold, but to help each person find a system that fits their habits and personality.Over time, that system becomes part of daily life—like your morning cup of coffee. When you're not checking in with it, you can feel that something's off.Budgeting Together as a CoupleChad also shared how using a budgeting tool transformed his own marriage. Early on, money was their most significant source of conflict—even though he considered himself “the finance guy.”Once they started using a shared system, the conversation changed. Instead of arguing, they could see the same information, talk openly, and make decisions together. Budgeting became a way to pursue unity, not tension.For couples, shared visibility and accountability can be a powerful gift.If You've Tried Before and Given UpIf budgeting feels exhausting—or if you've tried and failed before—Chad's encouragement was simple: don't give up.Often, past frustration stems from using tools that were too rigid or didn't align with how you're wired. With the right system, guidance, and support, budgeting can become sustainable—and even freeing.If one of your New Year's resolutions is to get your finances back on track, remember this: lasting change starts with perspective, not pressure.When you begin with God as the active owner and see budgeting as a tool for stewardship, everything changes. And with the right system in place, you don't have to walk that road alone.You can learn more or download the FaithFi app at FaithFi.com and take a meaningful step toward wise, faithful money management in the year ahead.On Today's Program, Rob Answers Listener Questions:I'm 46 and plan to retire at 70. My employer's 401(k) plan is in a target-date fund, and I'm contributing more than necessary—about 160% of my goal. Should I scale back to just the employer match and direct the extra savings to an IRA? I also have an HSA and currently split contributions between a traditional and a Roth 401(k).I help manage finances for a church and want to know: how much should churches and nonprofits typically keep in reserves for ongoing operations?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Church Cash Reserves - How Much Is Enough? By Dan Busby and Michael Martin (ECFA Article)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Welcome to the first episode of 2026.In this episode of The Weekly Wealth Podcast, Certified Financial Planner™ David Chudyk shares 25 powerful lessons from 2025—lessons learned from working closely with business owners, high earners, and high‑net‑worth families.These lessons span three critical areas:• Business ownership & leadership• Personal finance & investing• Life, health, and perspectiveThis episode is designed to help you think better, behave better, and ultimately make better financial decisions in 2026 and beyond.SECTION 1: 8 LESSONS FOR BUSINESS OWNERS1. Profit is not a dirty word—it's the purpose of business.2. Your business should survive if you disappear for 30 days.3. Complexity is the enemy of scale.4. Growth requires daily discomfort.5. Many businesses underprice their value.6. You can't be everything to everyone—find your niche.7. Core values should be written, shared, and lived.8. Learn to say: “That's not my job anymore.”SECTION 2: 9 PERSONAL FINANCE & INVESTING LESSONS• Many millionaires don't look wealthy.• Financial margin matters.• Wealth is built through boring consistency.• Concentration can create wealth; diversification preserves it.• Know what you own, why you own it, and when you'll sell.• Risk management matters more than chasing returns.• Roth vs pre‑tax decisions matter.• Tax preparation is not tax planning.• Estate planning can't wait.SECTION 3: 8 LIFE LESSONS• Be a decent person.• Let go of what you can't control.• Calories add up—health matters.• Find an exercise plan you'll stick with.• Surround yourself with great people.• Avoid patterns that keep people stuck.• Choose empathy over judgment.• Faith, gratitude, and perspective matter.BONUS SEGMENTFocus on activities, not outcomes.You control the activity. Results take care of themselves.CALL TO ACTIONBook your 10‑Minute Wealth Vision Call:https://weeklywealthpodcast.com/visionDISCLAIMERThe information contained herein is for informational purposes only and should not be construed as an offer to buy or sell any security. Past performance is not indicative of future results.
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Send us a textWe share the biggest tax and business lessons of 2025 that create real value right now. From funding travel with points to dialing in W-2 withholding and designing charitable and estate plans, we map strategies to your goals and show how to execute them.• turning payroll fees into non-taxable travel via points• charitable structures that deliver immediate deductions and cut estate tax• HRA workaround for real estate investors with high medical costs• W-2 withholding adjustments to fund strategies mid-year• solar credits that stack when business write-offs hit limits• gift leaseback to shift income and trigger education credits• launching nonprofits for impact, deductions, and Google Ad Grants• setting expectations with teams and clients to ensure compliance• choosing strategies based on what you want your cash to do• exploiting low brackets with Roth conversions and timing income• targeting credit and deduction sweet spots rather than chasing zero• oil and gas options, risk tiers, and depletion benefits• focus on one big move, then layer tactics• adopt profit first and vacation first to protect time and outcomesGo to https://prosperalcpa.com/opportunityreport for a personalized video on what may be possible with our tax strategies and how they align with your futureGo to our careers page if you or anyone you know is looking for a position in tax planning; we are aggressively recruiting talent
Early retirement is a dream for many Americans, but making it work requires more than just saving enough money; it requires smart tax strategies. In this episode of Purposeful Planning, we explore how Roth conversions can help early retirees reduce their lifetime tax burden and create more tax-free income in retirement. From understanding the five-year rule to timing your conversions strategically, discover whether this approach makes sense for your situation. Sources: https://www.aspenwealthmgmt.com/retirement-planning https://www.aspenwealthmgmt.com/tax-planning https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds https://www.financialplanningassociation.org/learning/publications/journal/MAY23-arithmetic-roth-conversions-OPEN https://smartasset.com/taxes/conversion-tax-planning-strategy https://www.aspenwealthmgmt.com/about-us https://www.aspenwealthmgmt.com/contact-us-fee-only-advisors-fort-worth https://www.aspenwealthmgmt.com/resource-center/estate/gifting-strategies-without-hurting-retirement https://www.aspenwealthmgmt.com/resource-center/retirement/early-retirement-and-tax-smart-roth-conversions The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice. Aspen Wealth Management is a registered investment advisor with the SEC. This recorded posting utilizes AI generated voiceovers. While the Firm strictly prohibits the use of AI for advisory activities constituting investment advice, financial plans, portfolio analysis and management, and reporting, the use of AI for other purposes, such as voiceovers, is permitted and utilized for the firm's recordings. Hosted on Acast. See acast.com/privacy for more information.
Drew and Roth reflect on their years, personally, professionally, and politically, and look forward to 2026 being, if not better, then maybe just a little more consistent. Then, they open the funbag to answer real questions from real listeners. Thank you for listening for another year!Do you want to hear your question answered on the pod? Well, give us a call at 909-726-3720. That is 909-PANERA-0!Stuff We Talked AboutThe J PassLil DavieYosemite, Four Kings' crab, & Metallica/OasisFake cough syrupPills the size of a bialySponsors- Mint Mobile, where you can get 50% off Unlimited premium wireless- Factor, where you can get 50% off your first box plus free breakfast for a yearCredits- Hosts: Drew Magary & David Roth- Producer: Brandon Grugle- Editor: Mischa Stanton- Production Services & Ads: Multitude Podcasts- Subscribe to Defector!About The ShowThe Distraction is Defector's flagship podcast about sports (and movies, and art, and sandwiches, and certain coastal states) from longtime writers Drew Magary and David Roth. Every week, Drew and Roth tackle subjects, both serious and impossibly stupid, with a parade of guests from around the world of sports and media joining in the fun! Roth and Drew also field Funbag questions from Defector readers, answer listener voicemails, and get upset about the number of people who use speakerphone while in a public bathroom stall. This is a show where everything matters, because everyone could use a Distraction. Head to defector.com for more info.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Investing Skeptically:Gold ETF. Should you invest in gold?2025 Market performance DataShould you do a ROTH conversion?
To close out the year, Quint and Logan go back to the classroom and breakdown all things Roth. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
David McKnight addresses a brand new proposal that could transform the way Americans use Roth IRAs and Roth 401(k) – and that could have serious implications for your retirement flexibility, liquidity, and long-term tax strategy. With the current status quo, if a person has money in a 401(k) or even a Roth 401(k), they can usually roll it out into an IRA when they retire or leave their job. However, money can't roll the other direction: you can't take a Roth IRA and move it into a Roth 401(k)... A new bipartisan bill introduced by Republican Representative Darin LaHood and Democrat Representative Linda Sánchez aims to change that. Under this proposal, you could roll your Roth IRA into an employer-sponsored Roth account like a Roth 401(k), a Roth 403(b) or even a Roth 457 plan. This change could mean less paperwork, potentially lower fees, and a simpler investment picture. David cites simplicity, cost and protection as a few of the reasons why lawmakers may want this bill to pass. One of the incentives for Washington may have to do with the fact that encouraging people to use Roth accounts – which are taxed up front – can generate more short-term tax revenue for the government. Everything isn't as good as it seems, though. David lists a few of the trade-offs involved with this potential change. Firstly, loss of control. When your money is in a Roth IRA, you can invest it wherever you want: Index funds, EFTs, individual stocks, and more. With an employer plan, your investment menu would be limited by the options the plan administrator offers. The so-called Five-Year Rule is another aspect worth considering. Typically, every Roth account has to be open for at least five years or until 59 ½, whichever is later, before earnings can be withdrawn tax-free. Here's the tricky part: Each different kind of Roth account has its own five-year clock. This could turn into a logistical nightmare for plan administrators. David shares some final considerations regarding who would benefit and who may get negatively affected by the proposed bill and points out that "Not all Roths are created equal." Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Darin LaHood Linda Sánchez Employment Retirement Income Security Act (ERISA)
In the final episode of 2025, Jason and Jeff empty the mailbag to answer listener questions about managing sudden wealth, tax strategies, and portfolio management. They debate the pros and cons of rebalancing versus letting your winners run (featuring a look at Jason's highly concentrated Roth IRA) and discuss how to handle a financial windfall like an inheritance. The hosts also break down the risks of complex conglomerates like Brookfield, analyze whether MTY Food Group is a value play or a value trap, and give their unfiltered take on whether recent political news finally makes Cannabis stocks investable.00:23 Listener Mailbag and Community Engagement03:09 First Listener Question: Balancing Financial Results and Industry Knowledge06:50 Using AI Tools for Investment Research08:27 Real-World Examples and Industry Research11:04 Brookfield Corporation: Legal Issues and Investment Risks14:50 MTY Foods: Cash Flow and Investment Potential22:28 Rebalancing Portfolios: Strategies and Considerations26:10 Risk Management in Asset Allocation26:54 Personal Investment Stories and Lessons28:21 Strategies for 401k, Roth, and Brokerage Accounts37:29 Handling Inheritance and Tax Implications45:26 Investing in Cannabis Stocks50:54 Conclusion and Viewer EngagementCompanies mentioned: AEO, AMZN, BN, CAVA, CMG, CRWD, CTRE, DRI, EAT, EPR, GOOGL, LOB, MCD, MELI, MO, MTY, NFLX, NUE, STLD, TAP, TSM, YUM*****************************************Join our PatreonSubscribe to our portfolio on Savvy Trader *****************************************Email: investingunscripted@gmail.comTwitter: @InvestingPodCheck out our YouTube channel for more content: ******************************************To get 15% off any paid plan at fiscal.ai, visit https://fiscal.ai/unscripted******************************************Listen to the Chit Chat Stocks Podcast for discussions on stocks, financial markets, super investors, and more. Follow the show on Spotify, Apple Podcasts, or YouTube******************************************The Smattering Six2025 Portfolio Contest2024 Portfolio Contest2023 Portfolio Contest
#676: Ally:How can I optimize my asset allocation and Roth contributions now that I'm over $1 million in assets? I'm 45, single, never married, with about $1.2 million in assets. Roughly $100,000 is in stocks, which might scare some people. Here's my breakdown: Vanguard brokerage account: VTSAX $132,000, ISCV $5,000, VOO $5,000 Vanguard Rollover IRA: VTSAX $65,000, IVV $25,000, VOO $62,000 Vanguard Roth IRA: VTSAX $228,000, ISCV $6,000 Pre-tax 401(k): Active stock fund $218,000 (0.01% expense ratio), Equity dividend fund $55,000 (0.01% expense ratio) Russell 1000: $270,000 (0% expense ratio) HSA: $9,000 in the Russell 1000 and Russell 2000 ESPP: $90,000 Savings account: $12,000 I view my brokerage accounts as savings, where I can sell assets if I need cash, as well as sell my company shares. My questions: How far am I from the efficient frontier? How efficient is my asset allocation? I've mostly been a “VTSAX and chill” type. If I rebalance, what's the best way to do it without incurring taxes? Next year, I'll make more than $150,000, even after contributing $24,500 to my pre-tax 401(k) in 2026. Can I still do a backdoor Roth, given that I already have an IRA balance? I was told it could be complicated. Am I out of luck investing in a Roth next year? Also, should I roll over my 401(k) into my existing Rollover IRA to gain more investment options, even though the 401(k) fees are very low? I've reached over $1 million in assets, but I'm not confident my first million was invested efficiently. I want to correct it before reaching my next million. Emma: Can We Split a Dependent's Tax Status Midyear to Maximize Health Insurance Subsidies? We're a family of four with two adults and two children, ages 15 and 21. Our 21-year-old is a full-time university student and is expected to graduate in May 2026. The hope is that she'll secure a full-time job after graduation. Our health care broker told us that we could claim her as a dependent for half of the year and then have her claim herself for the second half. According to the broker, this would allow her to stay on our health insurance and help us qualify for a larger premium subsidy. Is it actually possible to split a dependent's tax status this way within a single year, or is this a misunderstanding? Anonymous: Is It Wise to Hold Some Investments Outside the U.S. for Geopolitical Diversification? I've always believed that “this time isn't different,” but lately I'm feeling uneasy. I'm increasingly concerned about what seems like a slow erosion of institutional trust in the U.S., especially regarding agencies and structures that support our financial system. From leadership changes at key government institutions to growing political influence over economic policy, I'm starting to wonder if it's prudent to hold a small portion of assets physically and legally outside the U.S. I'm not talking about exotic offshore schemes. I mean legitimate ways to invest in broad index funds or ETFs through a brokerage account based abroad—as a form of geopolitical diversification and personal contingency planning. I'd love to hear your perspective. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Clients often don't fully realize the depth of value their advisory team provides—unless that value is clearly articulated and demonstrated throughout the year. This episode explores how a thoughtfully designed client service calendar can both strengthen client retention and increase new client conversions by making financial planning and tax strategy more visible and tangible. Debra Taylor serves as Managing Partner of Carson Wealth Franklin Lakes, a practice within the RIA Carson Wealth that manages $500 million in AUM for 120 client households. Listen in as Debra shares how she built a seasonal client service calendar to clearly communicate her team's year-round value, from tax letters and Roth conversion planning to estate strategy and investment deep dives. You'll hear how placing tax and distribution planning at the center of the client experience has generated measurable savings for her clients, how video explanations and structured service delivery reduce pressure during meetings, and how the calendar itself strengthens retention by helping clients see exactly what they're paying for. For show notes and more visit: https://www.kitces.com/470
As the year crawls to a close, Don and Tom torch the ritual of “New Year, New You” financial advice and take aim at the endless lists of five things you must do next year. They break down why year-end deadlines are mostly psychological theater, why prediction-based investing is a sucker's game, and how even AI—when pressed—admits the truth: diversification beats cleverness, patience beats prediction, and complexity usually hides higher costs and worse outcomes. Along the way, they tackle 529 plans, proposed “Trump accounts,” Roth strategies for kids and retirees, factor investing myths, and the ongoing media obsession with whatever already went up last year. It's a holiday episode for skeptics, cynics, and anyone tired of being told that this is finally the year everything changes. 0:04 Holiday cynicism, snow, trees plotting revenge, and Don declares war on Pollyanna finance 1:19 Year-end obsession: why December 31 is an arbitrary psychological trap 2:29 Why “five things to do in the new year” articles exist—and why they're mostly nonsense 3:55 Asking AI for financial advice and accidentally getting decent answers 4:18 Don's AI delivers brutal honesty: complexity isn't sophistication, it's camouflage 5:54 The most dangerous question of all: “What should I invest in next year?” 6:06 Everyone's favorite prediction: AI stocks (again), and why that's backward logic 6:29 The real answer: globally diversified equities, patiently held and largely ignored 8:07 Motley Fool, Morningstar, defense stocks, and the annual prediction circus 9:29 AI's final verdict: everything after diversification is garnish people argue about on TV 10:33 Listener Brian on New York 529 plans, state tax deductions, and Roth rollover flexibility 11:30 How aggressive is too aggressive for a child's college savings? 12:45 Why age-based 529 portfolios are often far more conservative than parents realize 14:10 When college money should actually shift to safety—and when it shouldn't 15:43 The mysterious “Trump accounts”: proposed rules, confusion, and missing details 16:56 Tax treatment uncertainty, Roth myths, and why free money is still free money 18:39 Clear conclusion: this account doesn't exist yet and nobody knows the real rules 20:05 Don's full rant: pandering policies, financial clutter, and unnecessary complexity 22:07 Listener Larry on starting a Roth IRA for a 19-year-old with a one-fund solution 22:47 AVGE explained: global, factor-tilted, low-cost, and boring in the best way 24:15 AVGE vs. Vanguard Total World: interest vs. necessity 25:26 AVGE underperformance criticism and why one-year returns are meaningless 28:26 Why Avantis funds aren't trying to “pick winners” and never claimed to 31:32 Listener Caroline on retirement withdrawals, IRAs, Roths, and tax reality 33:11 The unavoidable truth: you'll pay taxes—now or later 35:43 How (and where) listeners can actually rate the show 38:01 Politics, labels, John Oliver, and why nuance is apparently illegal now 38:54 Capitalism, fairness, and refusing ideological purity tests Learn more about your ad choices. Visit megaphone.fm/adchoices
Chris Lopez is joined by Equity Trust's John Bowens to close out 2025 and prep smart moves for 2026 using self-directed retirement accounts. John walks through contribution and conversion timelines for IRAs, Roth IRAs, HSAs, and Solo 401(k)s, explains the seven-day payroll rule for S- and C-corps, and shares practical strategies like spousal IRAs, backdoor Roths, staged Roth conversions over two tax years, and maximizing early-year compounding. The conversation also covers 2026 limit increases, Solo 401(k) employer vs employee buckets, and the Secure Act 2.0 tax credit for new plans. Key Takeaways Roth conversions must post by Dec 31 for the current tax year Previous-year IRA and HSA contributions allowed until Apr 15 if not on extension Solo 401(k) employee deferrals for S- and C-corps must be deposited within seven days of payroll Sole proprietors can set up and fund a Solo 401(k) for the prior year by Apr 15 Use spousal IRAs and backdoor Roths to maximize annual limits Stage conversions across two years to manage tax brackets while starting compounding sooner Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.
Feeling stuck on the Roth‑conversion “hamster wheel”? This episode breaks down why blanket percentages don’t always work and how market swings, tax brackets, and timing can all affect whether a conversion strategy fits your retirement picture. Frank and Frankie Guida explain how determining the right dollar amount—not just a percentage—can help retirees navigate taxes, manage appreciated assets, and understand when conversions may or may not be appropriate. They also walk through real listener scenarios to illustrate how thoughtful planning can shape long‑term financial outcomes. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.
Are Gen X'ers truly ready for retirement, or is anxiety about savings and the future holding them back? Ethan Glasgow dives into the real fears facing Gen X as retirement approaches, including the uncertainties about saving enough, outliving income, and market volatility. He shares practical strategies for late-stage planning, including Roth conversions and budgeting tips, and explains why it’s never too late to start. Whether you’re five or ten years away, discover actionable steps to make retirement planning less overwhelming and more achievable. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.
In this post-Christmas edition of Talking Real Money, Don McDonald and Tom Cock dismantle one of the most seductive myths in personal finance: the promise of high returns, no risk, and tax-free income. Using the lawsuit filed by Kyle Busch against Pacific Life as a case study, they expose the dark mechanics of indexed universal life insurance—hidden commissions, opaque costs, fabricated indexes, and returns that quietly disappoint. The episode then pivots to listener questions on diversification mistakes, Roth vs. traditional 401(k)s, late-career pivots into financial advice, ETF selection for retirees, and why doing less with your portfolio almost always beats doing more. 0:04 Post-Christmas welcome, Kyle Busch jokes, and why rich people get fleeced too 1:18 Indexed Universal Life explained (and why it's not an investment) 1:45 The “bank on yourself” fantasy and why it never dies 2:27 $10.5 million in premiums and promises of $800K tax-free income 3:20 Why IULs avoid SEC and FINRA scrutiny entirely 4:21 The sixth premium notice that blew up the deal 4:41 How IULs implode if you stop paying—and why everything can vanish 5:52 “Tax-free income, high returns, no risk” exposed as marketing fiction 6:01 Hidden commissions, alleged 35% payouts, and zero disclosure 7:37 Proprietary indexes designed to benefit insurers, not investors 8:50 Internal Pacific Life doc: “Don't call yourself a financial planner” 9:57 Why consumers can't see costs, commissions, or real returns 11:37 Real-world IUL returns: roughly 3–5% annually 12:23 Why even Kyle Busch doesn't actually need life insurance 13:44 Caveat emptor—and why “Life” in the firm name should trigger alarms 14:03 Listener portfolio question: 60/15/25 isn't diversified 14:53 The S&P 500 isn't “the market” (and seven stocks prove it) 15:54 Simple global solutions vs. portfolio over-engineering 17:11 Podcast tech humor and March seminar tease 17:22 Listener praise—and teaching people how to find podcasts 18:11 2026 seminar date confirmed: March 7 19:23 Career pivot at 53: CFP vs. AFC vs. Series 65 22:02 Why fiduciary firms are hiring—and sales shops are traps 23:22 ETF selection for retirees: growth, risk, and tax efficiency 24:27 Why Morningstar confuses more than it helps 25:07 Dimensional, Avantis, and keeping portfolios simple 26:20 Final thoughts, free fiduciary consults, and year-end wrap Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode, Toby Mathis, Esq., of Anderson Business Advisors, interviews Ryan and Tait, hosts of the Passive Income Pilots Podcast and seasoned real estate investors. Ryan has built a $750 million self-storage portfolio while Tait continues flying for a major commercial airline. They share how pilots can build tax-free income while traveling the world through strategic real estate investing, syndications, and debt funds. The conversation covers the biggest mistakes new pilots make with retirement accounts, powerful Roth conversion strategies during probationary years, and how to leverage real estate professional status to offset W-2 income. Tyler and Tait explain how they legally pay almost no federal income tax on nearly $1 million in combined annual income using accelerated depreciation, cost segregation, and oil and gas investments. You'll also hear about whole life insurance strategies, airplane leasebacks for depreciation benefits, and why pilots' largest expense is actually taxes—not housing. Tune in for expert insights on building multiple income streams and achieving financial freedom! Ryan Gibson is the President, Chief Investment Officer, and Co-Founder of SIG. He has organized over $450M of private equity for Spartan's projects. Ryan has experience managing the development of SIGs projects in challenging markets. For SIG, Ryan is responsible for investor relations and capital raises for projects. Ryan is also a highly experienced commercial airline pilot. Ryan graduated from Mercyhurst University with a bachelor's degree in Business, with concentrations in Marketing, Management, and Advertising. Tait Duryea is the Founder and Chief Executive Officer of Turbine Capital. As an experienced airline captain and third-generation aviator, Tait combines deep industry knowledge with more than a decade of real estate investing experience across single-family, multifamily, self-storage, industrial, mobile home parks, and short-term rentals. Highlights/Topics: Best pilot-friendly passive income models: syndications, debt funds, and strategic real estate investing Biggest mistakes new pilots make: rolling old 401(k)s too quickly and missing Roth conversion opportunities during probationary year Tax-advantaged real estate: using accelerated depreciation and cost segregation to offset high W-2 income Real estate professional status: How Tait and his wife legally pay almost no federal income tax on nearly $1 million annual income Stacking strategies: combining low-income year Roth conversions with discounted LP valuations for maximum tax savings How one Southwest pilot saved $100,000 in taxes by following podcast education and implementing strategies Lifestyle creep: Converting purchases into time to make smarter financial decisions and avoid overspending What separates financially free pilots from those who aren't: continuous education, networking, and disciplined saving Share this with business owners you know Resources: Listen To The Passive Income Pilots Podcast https://passiveincomepilots.com/ Learn more about Ryan Gibson and Spartan-Investors https://spartan-investors.com/ Learn more about Tait Duryea and Turbine Capital https://www.turbinecap.com/ Schedule Your FREE Consultation https://andersonadvisors.com/strategy-session Tax and Asset Protection Events https://andersonadvisors.com/real-estate-asset-protection-workshop-training/?utm_source=how-pilots-build-tax-free-income-while-traveling-the-world&utm_medium=podcast Anderson Advisors https://andersonadvisors.com/ Toby Mathis YouTube https://www.youtube.com/@TobyMathis Toby Mathis TikTok https://www.tiktok.com/@tobymathisesq Clint Coons YouTube https://www.youtube.com/@ClintCoons
As the year closes, federal employees can't afford to miss critical planning opportunities that protect their retirement and avoid costly mistakes. In this episode of the Plan Your Federal Retirement Podcast, Micah Shilanski, Wealth Advisor, and Luke Eberly, Wealth Advisor, break down real-world, end-of-year action items they are actively handling with clients right now. They talk about last-minute planning for 2025, including Required Minimum Distributions (RMDs), Qualified Charitable Distributions (QCDs), Roth conversions, and estimated tax payments, all with a focus on being aware of IRS penalties. Tune in to learn about strategies for January 2026, like new TSP contribution limits, Roth and HSA planning, and why it's better to start early rather than wait until the end of the year. If you are a federal employee or retiree who wants to end the year well and begin the next one with clear plans and confidence, this episode offers practical tips you can use right away. https://zurl.co/iaMcA
The past year has been a rough one for many Americans as the Trump administration works on what it says is a recovery from the Biden-era policies that drove up the cost of living. And while there has been improvement, especially compared to the peak inflation of 2022, a struggle continues. Recently, we spoke with Carol Roth, a former investment banker, entrepreneur, and author of the book "You Will Own Nothing, about what she calls the “wealth paradox.” Roth discussed what's driving inflation and why consumer spending remains strong despite higher prices. She also offered tips on how to get more out of your money and how to avoid unnecessary costs. We often must cut interviews short during the week, but we thought you might like to hear the full interview. Today on Fox News Rundown Extra, we will share our entire interview with Carol Roth. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Retiring after age 65 changes the math and the priorities. You have fewer high-energy years, shorter tax planning windows, and RMDs much closer than most people realize. But you also often have higher Social Security, clearer spending needs, and more flexibility if the plan is built the right way. This episode breaks down how retirement strategy shifts when you retire later. Traditional withdrawal rules are built for 30–40 year retirements. If your timeline is closer to 10–20 years, blindly following those rules can lead to significant underspending and missed opportunities in your healthiest years.Tax strategy becomes more compressed. Roth conversion windows are shorter. Medicare premiums and IRMAA surcharges matter more. Required minimum distributions arrive faster. Planning mistakes are harder to unwind, which makes coordination between income, investments, and taxes far more important.Market risk looks different too. Higher Social Security and other income sources can reduce pressure on your portfolio, even though recovery time after downturns is shorter. The goal is not extreme conservatism. It is matching investments to real cash-flow needs while protecting against inflation and future healthcare costs.The episode also covers survivor planning, charitable giving strategies like QCDs, Medicare surcharge planning, and why prioritizing health becomes one of the highest-return investments you can make when retiring later.Retiring after 65 is not a disadvantage. It simply requires a different plan, tighter execution, and more intentional use of the years that matter most.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!
In this episode we answer emails from Tyler, Michael and Jon. We discuss managing an inherited Roth across a 10-year window and related questions, compare VXUS to targeted international tilts, tax and asset location considerations for traditional and Roth IRAs, and talk about some of the basic ideas for achieving higher safe withdrawal rates.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page: Donate - Father McKenna CenterGolden Ratio Portfolio Article: Beautiful Constants and the Golden Ratio Portfolio – Portfolio ChartsAfford Anything Podcast #618: They Ran Out of Money. I Didn't. Here's Why.Slide Deck: Afford Anything Episode 618 RPR Basics Slide Deck.pdf - Google DriveVideo Summary: Afford Anything Episode 618 Video Summary.mp4 - Google DriveAfford Anything Risk Parity Portfolio Blueprint: Afford Anything frank-vasquez-risk-parity-portfolio-BluePrint.pdf - Google DriveBigger Pockets Money Podcast: The Secret to a 5% Safe Withdrawal Rate | Frank VasquezSlide Deck: BP Money Interview Slide Deck.pdf - Google DriveVideo Summary: BP Money 5 Pct Withdrawals (F. Vasquez).mp4 - Google DriveBreathless Unedited AI-Bot Summary:A surprise inheritance, a strict 10-year clock, and a plan that has to work through whatever the market throws at it—this conversation tackles the decisions that actually move the needle. We break down a practical approach to managing an inherited Roth IRA, why delaying withdrawals can preserve tax-free growth, and how to separate speculation from your core allocation so one risky bet doesn't hijack your entire plan. Along the way, we show how risk parity portfolios lower sequence-of-returns risk and why the best “edge” is often calm structure, not prediction.We dig into tax location with real-world transitions in mind. During your working years, most of the portfolio belongs in equities; the puzzle appears when you move toward retirement and spread assets across bonds and diversifiers. That's where location shines: place ordinary-income-heavy assets in traditional accounts, keep the highest-growth assets in Roth, and avoid turning your taxable account into a tax drag. We also talk about securities-backed lines of credit and why reducing portfolio volatility can materially lower margin stress when you're funding future purchases like rentals.If international stocks feel like a copy of your U.S. exposure, they probably are. We explain how currency drives much of the U.S. vs ex-U.S. gap and why targeted tilts—international large cap growth and small cap value—can be a more effective pairing than broad VXUS. Then we tackle illiquid plays and limited partnerships: categorize by the underlying asset, respect rebalancing limits, and treat truly illiquid positions as separate businesses with independent cash flows.Support the show
Poznáte jeho texty – teraz ich budete môcť aj počuť. Každú nedeľu vo svojej podcastovej aplikácii nájdete trochu iný formát Dobrého rána – Roth číta Marca. Eseje a komentáre publicistu Sama Marca v podaní herca Roberta Rotha. Načítaný text: https://www.sme.sk/komentare/c/lebo-ho-postrelili-pise-samo-marec – Všetky podcasty denníka SME nájdete na sme.sk/podcasty – Odoberajte aj audio verziu denného newslettra SME.sk s najdôležitejšími správami na sme.sk/brifingSee omnystudio.com/listener for privacy information.
The past year has been a rough one for many Americans as the Trump administration works on what it says is a recovery from the Biden-era policies that drove up the cost of living. And while there has been improvement, especially compared to the peak inflation of 2022, a struggle continues. Recently, we spoke with Carol Roth, a former investment banker, entrepreneur, and author of the book "You Will Own Nothing, about what she calls the “wealth paradox.” Roth discussed what's driving inflation and why consumer spending remains strong despite higher prices. She also offered tips on how to get more out of your money and how to avoid unnecessary costs. We often must cut interviews short during the week, but we thought you might like to hear the full interview. Today on Fox News Rundown Extra, we will share our entire interview with Carol Roth. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The past year has been a rough one for many Americans as the Trump administration works on what it says is a recovery from the Biden-era policies that drove up the cost of living. And while there has been improvement, especially compared to the peak inflation of 2022, a struggle continues. Recently, we spoke with Carol Roth, a former investment banker, entrepreneur, and author of the book "You Will Own Nothing, about what she calls the “wealth paradox.” Roth discussed what's driving inflation and why consumer spending remains strong despite higher prices. She also offered tips on how to get more out of your money and how to avoid unnecessary costs. We often must cut interviews short during the week, but we thought you might like to hear the full interview. Today on Fox News Rundown Extra, we will share our entire interview with Carol Roth. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Korgün Koral ve Burak Bilgehan Özpek canlı yayında İki Savaş Bir Yazar programında geride bıraktığımız yıl içinde ele aldığımız Avrupa yazarlarını değerlendiriyor. Orwell, Zweig, Marai, Roth ve Koestler ile ilgili programlarda gözden kaçanlar, kenarda kalanlar bu programda ele alınıyor.Bizi Patreon'dan Destekleyin
Given that I've earned very little in 2025, I'm wondering if this gives me a unique opportunity to do a Roth conversion? Have a money question? Email us here Subscribe to Jill on Money LIVE Subscribe to Jill on Money Newsletter YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
In Part Two of this story last week, we learned how serial husband and waste of DNA Randy Roth seduced, married, and almost certainly murdered his second wife Jan for a life-insurance payout, and tried and failed to use the same scheme on wife number three, Donna Clift. And if you already hate Randy, that's only going to get worse after the tragic conclusion to his story this week.Sources: Fatal Charm, Carlton SmithA Rose For Her Grave, Ann Rulehttps://www.seattletimes.com/seattle-news/law-justice/shes-got-her-name-back-teenager-murdered-in-1977-finally-identified-with-new-dna-technique-and-genetic-genealogy/Follow us, campers!Patreon (join to get all episodes ad-free, at least a day early, an extra episode a month, and a free sticker!): https://patreon.com/TrueCrimeCampfirehttps://www.truecrimecampfirepod.com/Facebook: True Crime CampfireInstagram: https://www.instagram.com/truecrimecampfire/?hl=enTwitter: @TCCampfire https://twitter.com/TCCampfireEmail: truecrimecampfirepod@gmail.comMERCH! https://true-crime-campfire.myspreadshop.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-crime-campfire--4251960/support.
Teach and Retire Rich - The podcast for teachers, professors and financial professionals
Teachers who collect a pension, Social Security, and draw income from a non-Roth retirement account may face an additional Medicare tax. Lucretia Ryan of Financial Freedom for Women breaks it all down. Why Am I Paying an Additional Medicare Tax? Financial Freedom for Women More Dirty Little Secrets of Medicare "Advantage" (YouTube) Dirty Little Secrets of Medicare "Advantage" Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).
Key Takeaways: Roth 401(k): These accounts let you save a lot for retirement, and your money grows tax-free. You also get to take it out tax-free later, which is great for business owners who want more flexibility. HSAs: Health Savings Accounts give three major tax benefits, you can deduct what you put in, your money grows tax-free, and you can spend it tax-free on medical costs. RMDs Matter: Traditional IRAs and 401(k)s require you to start taking money out at a certain age. Understanding these Required Minimum Distributions is important so you can plan ahead. Roth Conversions: Moving money from a traditional account into a Roth can be helpful if you do it slowly over several years and plan for the taxes. Plan Smart: Good tax planning should match your personal goals and adjust as your life, income, and needs change. Chapters: 0:01 Holiday Treats and Tax-Advantaged Savings Strategies 2:16 Benefits of Roth 401Ks for Business Owners 4:31 Maximizing HSA Benefits for Tax-Free Medical Expenses 6:46 AI and Medicine Revolutionizing Biotech 6:57 Strategies for Roth IRA and 401K Conversions in Retirement 10:43 Investment Risks and the Importance of Professional Advice Powered by ReiffMartin CPA and Stone Hill Wealth Management Social Media Handles Follow Phillip Washington, Jr. on Instagram (@askphillip) Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/ Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen! WBMS Premium Subscription Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.
About the Guest(s):The episode is hosted by Amy Irvine, a financial expert and part of the Money Roots podcast team. Amy Irvine, along with her team, is dedicated to making financial conversations real, relatable, and oriented around personal goals. Although the transcript doesn't detail Amy's professional history, her knowledge and expertise in financial planning and investment strategies are evident throughout the episode. Her commitment to helping listeners understand and manage their finances optimally is demonstrated through her thoughtful advice and insights.Episode Summary:In this insightful episode of the Money Roots podcast, host Amy Irvine walks listeners through essential financial actions to consider before the end of 2025. As the year draws to a close, the episode aims to equip the audience with practical advice to optimize their financial standing and prepare for future growth. Amy covers a breadth of topics, including asset management, tax planning, retirement contributions, and charitable donations, offering a wealth of information to guide listeners through pivotal year-end financial decisions.Throughout the episode, Amy emphasizes the importance of strategically managing assets and debt. She discusses the potential benefits of realizing capital losses to offset gains and highlights how certain mutual funds could impact tax obligations. Capital gain distributions and estimated tax payments are also discussed, providing listeners with key insights on minimizing year-end tax liabilities. Moreover, the host delves into retirement planning strategies, advising on required minimum distributions (RMDs), conversions between traditional and Roth IRAs, and intra-plan conversions within 401(k) plans. Her recommendations aim to maximize retirement savings while minimizing potential tax burdens.Key Takeaways:Realize capital losses to offset gains and consider potential capital gain distributions in taxable accounts.Meet required minimum distributions (RMDs) for both personal and inherited IRAs before year-end to avoid penalties.Evaluate opportunities for Roth conversions and strategic retirement contributions while considering future income levels.Engage in tax planning by capitalizing on qualified charitable donations and understanding adjustments such as IRMAA.Explore financial planning for education through 529 plans and business strategies like the QBI deduction.Notable Quotes:"You can even write off up to $3,000 of ordinary interest if you have a capital loss totaling of 17,000.""Make sure that you take that RMD before the end of the year. RMDs from multiple IRAs can generally be aggregated.""If you are over 70 and a half, you can make what's called a qualified charitable donation from your retirement IRA account.""Using those qualified charitable distributions can be a big help to reduce that adjusted gross income.""Consider the financial aid planning strategies such as reducing income in specific years to increase financial aid packages."Resources:
In this episode, Justin and Jared answer a listener's question from a 70½-year-old with over $5 million in IRAs who wants to manage their lifetime tax liability. They walk through the math of Required Minimum Distributions (RMDs) and compare and contrast using Roth conversions, qualified charitable distributions (QCDs), and donating appreciated stock.For more information and show notes visit:https://www.bwmplanning.com/post/119Connect With Us:Facebook - https://www.facebook.com/BrownleeWealthManagement/?ref=py_cLinkedin - https://www.linkedin.com/company/brownlee-wealth-management/Disclosure: This information is for informational purposes only. Nothing discussed during this video should be interpreted as tax, legal, or investment advice. If you have questions pertaining to your specific situation, please consult the appropriate qualified professional.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down one of the biggest misconceptions in investing: risk. What most people think is risk—market ups and downs—is actually just volatility. The real risk? Overspending your retirement, missing out on growth, or playing it too safe. Bob and Brian walk through the critical differences, offer real-life examples with hard math, and explain how a misread on risk can jeopardize your long-term wealth. Plus, they share insights on stock market bubbles, lessons from the Vanderbilt family's fall from fortune, and whether Roth conversions make sense when you don’t need the money yet.See omnystudio.com/listener for privacy information.
In this episode we tackle more of your questions, starting with a look into Roth strategy, including how TSP Roth in-plan conversions work and what to consider when converting a traditional IRA to a Roth IRA and paying the resulting tax bill. We then briefly hear from our friends at Fox CPAs. From there we shift to 529 plans and explore how to use them effectively, what to do if they become overfunded, and whether having too much in a 529 is really a problem at all. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube Student Loan Advice for all your student loan needs: https://studentloanadvice.com Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor Join the community on Twitter: https://twitter.com/WCInvestor Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter 00:00 WCI Podcast #451 01:34 When to Take Your Social Security 09:55 Student Loan Update 22:43 TSP Roth Conversions 27:22 Large Roth Conversions 31:00 Fox & Company CPAs Interview 42:51 Overfunded 529 Accounts 53:45 529 & HSA Reimbursement Timing
Learn the truth behind myths about building wealth, plus hear from a couple looking to align on financial goals and values. Can you build wealth without starting a business? How can couples figure out what to do with extra money in their budget? Hosts Sean Pyles and Elizabeth Ayoola share their “money hot takes” and then talk to a married couple about how they can better align on financial priorities. Sean and Elizabeth kick off the episode with their thoughts on how to become a millionaire without needing to own your own business and why they believe consistent investing from a 9-to-5 job can help you grow your wealth. Plus are Roth IRAs overrated? They might be when compared to Roth 401(k)s. Then, listeners Naomi and Andrew join Sean and Elizabeth to discuss how couples can align on their financial goals. They talk through how to define shared values, balance short- and long-term priorities, and decide how to use some new room in their budget wisely, including strategies for emergency funds, retirement, and kids' future savings. NerdWallet's list of the best savings accounts: https://www.nerdwallet.com/best/banking/savings-accounts Get matched with a financial advisor by using NerdWallet Advisors Match: https://www.nerdwallet.com/best/investing/financial-advisors NerdWallet's investment calculator will calculate how much your investments will grow based on your planned contributions, timeline, rate of return and compounding frequency: https://www.nerdwallet.com/calculator/investment-calculator Are you on track to save enough for retirement? Use NerdWallet's calculator to check your progress, see how much retirement income you'll have and estimate how much more you should save: https://www.nerdwallet.com/calculator/retirement-calculator In their conversation, the Nerds discuss: how to build wealth without a business, investing from a 9 to 5 job, becoming a millionaire from salary, Roth IRA vs Roth 401k, Roth IRA contribution limits, backdoor Roth IRA, Roth 401k benefits, emergency fund recommendations, short term financial goals, good debt vs bad debt, paying off debt as a couple, managing money in a marriage, budgeting as a couple, aligning financial goals with a partner, daycare budget reallocation, how to prioritize financial goals, saving for a home addition, using home equity loan, 529 plan alternatives, taxable brokerage for kids, feeling behind on retirement, retirement planning anxiety, compound interest retirement, how to save for multiple goals, financial planning for couples, building credit as a couple, margin in budget meaning, shared financial values, and daycare cost savings. 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
As the year comes to a close, many CRNAs find themselves focused on family, travel, and well-deserved rest. But year-end is also one of the most important times to pause and take stock of your financial picture. Small, intentional decisions made before December 31 can have an outsized impact on your long-term success. In a special holiday episode of Beyond the Mask, Jeremy and Sharon walk through a ‘CRNA Christmas list' with 12 financial moves designed to help you finish the year strong and start the next one with confidence. Here's some of what you'll hear in this episode:
What if your 401(k) isn't really your money? In this episode, we break down Willie Sutton's Law and expose how government-controlled retirement plans quietly limit your freedom, liquidity, and control over your wealth. Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1 Get the book: https://www.farmingwithoutthebank.com/book/?utm_source=youtube&utm_medium=organic&utm_campaign=wtb-ep249&utm_term=desc-top In WTB Episode 249, we continue our Becoming Your Own Banker chapter review, diving deep into Willie Sutton's Law: "Wherever wealth is accumulated, someone will try to steal it." This episode challenges conventional thinking around 401(k)s, IRAs, Roth limits, and tax-deferred retirement plans. We unpack how taxation works, why qualified plans were created, and how government incentives quietly shape your financial behavior — often at your expense. We also discuss the historical role of churches vs. government welfare, the dangers of inaccessible retirement savings, and why many people feel "broke" while technically having money they can't touch. Key Takeaways: Why tax-deferred retirement plans come with hidden control and risk How Willie Sutton's Law applies directly to 401(k)s and IRAs The real reason Roth IRAs are limited and capped Why tax refunds are NOT a win How lack of liquidity keeps people financially stressed Why responsibility—not government—is the key to financial freedom Chapters: (00:00) – Is the Government Your Savings Account? (05:50) – Willie Sutton's Law & Government Taxation (10:37) – Qualified Plans & Changing the Rules (15:38) – Roth IRAs, 401(k)s, and Control (20:55) – Liquidity Problems & Opportunity Cost (25:07) – Tax Refunds Explained (30:08) – A Private Solution Outside Government Control Grab your copy of Becoming Your Own Banker and follow along with us https://www.withoutthebank.com/product/becoming-your-own-banker/?utm_source=youtube&utm_medium=organic&utm_campaign=wtb-ep249&utm_term=desc-bot1 Drop your questions or comments — we read them. Like, subscribe, and share if this episode made you rethink retirement Links Mentioned: Becoming Your Own Banker by Nelson Nash: https://www.withoutthebank.com/product/becoming-your-own-banker/?utm_source=youtube&utm_medium=organic&utm_campaign=wtb-ep249&utm_term=desc-bot2 Austrian Economics & Mises Institute: https://mises.org/austrian-school/austrian-economics-overview FEE.org (Foundation for Economic Education): https://fee.org/
Today, I am honored to connect with doctors Andy Lazris and Alan Roth, the authors of A Return to Healing. Dr. Lazris, a physician practicing geriatric primary care medicine in Maryland, is a Certified Medical Director who orchestrates medical care and provides education for several long-term care facilities. Dr Roth is a physician, practicing family medicine and palliative care in New York. He is the Chairman of the Department of Family Medicine and Ambulatory Care at MediSys Health Network. In our discussion, we explore the impact of the Flexner Report, including how it has reshaped our medical system and clinical guidelines, expanded the definition of disease, and influenced critical thinking. Drs. Lazris and Roth explain how challenging established medical dogma becomes even more problematic within a Flexnerian framework. They examine the prevalence of ineffective and costly procedures, the manipulation of research studies, the role of documentation in medical literature, and the impact of terms like non-compliant and histrionic on the quality of patient care. They also clarify what actually happens with screening measures and how patients can find excellent care. Their book, A Return to Healing, is truly a love letter to their communities. It is a must-read for anyone seeking to understand the complexities of our current medical system and how it has gotten derailed. IN THIS EPISODE, YOU WILL LEARN: Why doctors should question dogma and think critically rather than just following medical guidelines How medical training encourages standardized testing and discourages nuanced and patient-centered thinking How our profit-driven system rewards procedures and prescriptions over proper patient care Why drugs can sometimes cause more harm than good, and how elderly patients often suffer due to overprescribing How drug companies manipulate statistics to make small benefits seem huge Why patient noncompliance can often mean informed refusal rather than ignorance or defiance How biased medical documentation may unfairly target women and minorities Modern fast-food-type medicine and eroding trust within the doctor–patient relationship Why shared decision-making is meaningless in a system built on one-size-fits-all dogma Protecting yourself within a dysfunctional medical system Connect with Cynthia Thurlow Follow on X, Instagram & LinkedIn Check out Cynthia's website Submit your questions to support@cynthiathurlow.com Join other like-minded women in a supportive, nurturing community (The Midlife Pause/Cynthia Thurlow) Cynthia's Menopause Gut Book is on presale now! Cynthia's Intermittent Fasting Transformation Book The Midlife Pause supplement line Connect with Dr. Andy Lazris and Dr. Alan Roth On their website Email Dr. Lazris: alazris50@gmail.com Email Dr. Roth: aroth@jhmc.org
In today's episode, David McKnight breaks down the creditor protection rules for Roth IRAs and Roth 401(k)s, as well as why more and more Americans are turning to tax-free accounts to insulate themselves from creditors… and the Government itself. In theory, under Federal Law, all IRAs traditional or Roths receive a certain level of bankruptcy protection under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. However, that protection is specifically tied to bankruptcy proceedings. If you're sued in civil court, the Federal bankruptcy statute doesn't automatically apply, state law takes over… By pointing out differences between states like Texas, Arizona and Florida on one end, and California and Montana on the other, David explains that whether your Roth IRA survives a potential lawsuit intact depends largely on the state in which you reside. Roth 401(k)s play by a different set of rules, as they fall under the 1974 Employee Retirement Income Security Act (ERISA). David notes that "ERISA is the big Federal law that governs most employer-sponsored retirement plans, and it comes with some of the strongest creditor protection available anywhere in the financial world." According to David, it's not hard to see why the Federal Government is going to need huge infusions of new revenue in the very near future. Wondering how they will be raising that capital? By targeting the nearly $45 trillion in tax-deferred retirement accounts like IRAs and 401(k). In other words, while your retirement accounts may indeed be largely immune to lawsuits, they're entirely exposed to the impact of rising tax rates. David points out that contributing to 401(k)s or IRAs is like going into a business partnership with the IRS – every year, they get to vote on what percentage of your profits they get to keep. Remember: a well-planned Roth strategy doesn't just shield you from tomorrow's higher tax rates, it can also serve as a fortress protecting your wealth from outside claims. Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 Employee Retirement Income Security Act of 1974 (ERISA)
DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
Logan and Quint dive into a whether or not a Roth IRA is a good option for your financial plan. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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