Podcasts about Roth

Is 2025 the ideal time for a Roth conversion? RIchard Rosso considers future tax rates potentially on the rise and retirement goals in focus, and why converting to a Roth IRA could be a smart move. We'll break down the rules, potential tax implications, and key strategies to maximize your tax-free retirement income. Whether you're planning for retirement or looking to optimize your wealth, don't miss this essential guide to Roth conversions in 2025 and beyond! [NOTE: Due to technical issues, the missing first segment will be reposted in a separate clip.] SEG-1: Markets, Tariffs, & Corporate Concerns (The Lost Segment can be viewed here: https://www.youtube.com/watch?v=-oCeEyCktR4&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 ) SEG-2a: Young Interns & '70's Crime Dramas SEG-2b: Dealing with Decumulation SEG-3: The Problem of Under-spending in Retirement SEG-4: PCE Preview & Needed Tweaks in Social Security Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w A&M University Intern, Will Lewis Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=3Lv4vPAF638&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=17s ------- Articles mention in this show: "The Anchoring Problem And How To Solve It" https://realinvestmentadvice.com/resources/blog/the-anchoring-problem-and-how-to-solve-it/ "Trump Tariffs Are Inflationary Claim The Experts" https://realinvestmentadvice.com/resources/blog/trump-tariffs-are-inflationary-claim-the-experts/ ------- The latest installment of our new feature, Before the Bell, "The Correction is Over," is here: https://www.youtube.com/watch?v=_utj49L0G3I&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Death of Narratives" https://www.youtube.com/watch?v=mIl8rM1AW6w&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2&t=2s ------- Register for our next in-person event, "Retirement Income Empowerment Workshop," June 14, 2025: https://tracking.realinvestmentadvice.com/l/1052953/2025-05-08/ysxr ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RothConversion #TaxFreeRetirement #RothIRA2025 #RetirementStrategies #TaxPlanning #MarketNarratives #SocialSecurity #RothIRA #Roth401k #PCE #Inflation #InvestingAdvice #Money #Investing

It's just Drew and Roth this week, and guess what? They're gonna talk NBA playoffs, because Drew actually knows what he's talking about this year! For real! He has thoughts on these teams! Then, they open up the funbag to answer real questions from real listeners like you!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 AboutKnicks/PacersHigh scores and even higher physicalityShooting too many bad threesFoul baitingThe worst possible mascotsSponsors- Storyworth, where you can save $10 on your first purchase when you go to storyworth.com/distractionCredits- 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.

Noah Roth is the founder of Streetcraft, a platform that uses visual storytelling and urban design to explore and improve the built environment. He joins Tiffany to talk about what led him to this form of advocacy, how visualizations can bring people on board with a project, and what he's learned since starting his platform. ADDITIONAL SHOW NOTES Want to hear more from Noah? Get your National Gathering tickets today! Streetcraft (YouTube) Local Recommendations: Sleeping Bear National Dunes The Flying Noodle Farm Club Tiffany Owens Reed (Instagram) Do you know someone who would make for a great Bottom-Up Revolution guest? Let us know here!

Send us a textYou've heard of Roth IRAs, but no one talks about when and how to convert.In this episode, Mike breaks down exactly how a Roth conversion works, when it makes sense, and how to use it to build tax-free income in retirement.He also unpacks the key differences between Traditional and Roth accounts, plus real-life stories of business owners who used this strategy to grow wealth the IRS can't touch.

In this episode of the Power of Zero Show, host David McKnight discusses the scenario in which you have maxed out your 401(k) and are wondering where you should invest the rest of your money. The episode kicks off with David addressing the type of 401(k)s you should be investing in first. There are two types of 401(k)s: the traditional pre-tax 401(k) and the Roth 401(k). Should you go for a traditional 401(k) or a Roth 401(k)? It all depends on whether you think your tax bracket is likely to be lower or higher in retirement… With the national debt set to hit $62 trillion by the year 2035, David believes that, “There isn't any way the Federal Government can service that type of debt without increasing taxes.”  Planning on retiring past 2035 and you're currently in the 24% tax bracket? Then, David recommends opting for a Roth 401(k). This year, you can put $23,500 into your Roth 401(k) if you're younger than 50, and $31,000 if you're over the age of 50. David talks about what to do if you're married and have maxed out your Roth 401(k), as well as what you can do if your modified adjusted gross income is less than $246,000 as a married couple, or $161,000 as a single filer. David illustrates the scenario in which relying on a LIRP (Life Insurance Retirement Plan) would make sense. According to a recent Ernst & Young study, if you can save between 3 and 5 years worth of living expenses in your LIRP by day 1 of retirement, you can increase the sustainable withdrawal rate of your stock portfolio from 4% to as high as 8%. David points out that there's no limit on how much you can put into your LIRP and, unlike with what happens with Roth contributions, you are not constrained by your modified adjusted gross income level. Another point in favor of opting for a LIRP is the fact that it grows safely and productively – the growth of the money in your LIRP is linked to the upward movement of a stock market index. Whatever that index does in any given year, you get to keep up to a cap that's typically between 10% and 12%. Index going down? Then, you're simply credited a zero.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track 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 Ernst & Young

This $400K Roth Strategy at 55 Might Change Your Retirement**Schedule your free virtual consultation, click here: https://pearlwealthgroup.com/contact/ or use our calendar link: https://calendly.com/pearlwealthgroup/discoverycall ****Buy My Book: Can I Really Retire https://www.amazon.com/shop/drewblackstoncrc/list/2FDRXX3LFUXQ8?ref_=aipsflist **If you're 55 years old with around $400,000 saved for retirement, a Roth IRA conversion could be a game-changer for your retirement future. In this retirement video, we break down a smart, tax-efficient Roth conversion retirement strategy specifically designed for pre-retirees in their mid-50s. Learn how to potentially reduce your future retirement tax burden, increase tax-free retirement income in retirement, and avoid costly retirement mistakes.❌ **Please make sure you talk with your CPA, Financial Advisor, Retirement Planner, or Investment Advisor Representative, before implementing any content from this channel. All videos are for informational and educational purposes only. None of the content, comments, responses, information, or any other item on this channel constitutes financial advice or recommendations. Please call Pearl Wealth Group at 813-807-5060 to go through your Retirement Income, Retirement Investments, or Retirement Plan in more detail.** ❌

Quint and Logan talk about investing in Roth IRAs and how it compares to the rest of your portfolio.

Tariffs killed Carl's investment portfolio and left him wondering if he should claim Social Security early. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for him today on Your Money, Your Wealth® podcast number 531. Kelly and Steve in Pennsylvania ask for a three-fer spitball - when to claim their Social Security, whether they should contribute to Roth or convert to Roth for that lifetime tax-free growth on their investments, and if they're on track for Kelly to retire in three years. Free financial resources & episode transcript: https://bit.ly/ymyw-531 CALCULATE your free Financial Blueprint WATCH The Retirement Course: Can You Hit a Hole in One? on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:21 - Tariffs Killed My Portfolio. Should I Claim Social Security Early? (Carl) 10:14 - Watch The Retirement Course: Can You Hit a Hole in One? on YMYW TV, Calculate your free Financial Blueprint 11:13 - When Should We Claim Social Security? Roth Contributions or Conversions? Are We On Track for Retirement? (Kelly & Steve) 25:00 - Download the Key Financial Data Guide, YMYW Podcast Outro

Over the Memorial Day weekend, Brian Wiley and Alexandra Lundgren unpack the often misunderstood mechanics and risks of 401(k) plans—from overloading on company stock to the overlooked tax strategy known as Net Unrealized Appreciation (NUA). If your retirement plan is tied to your employer's stock, your paycheck, and maybe even a pension, you may be overexposed without realizing it… They walk listeners through how NUA works and when it might be smarter to move company stock out of a 401(k) instead of rolling it all into an IRA. Brian and Alex also dive into loan provisions, early withdrawals, and the in-service distribution option that can open the door to greater investment flexibility—if your plan allows it. They also break down why 401(k) plans are designed the way they are, what employers can customize, and how plan features like automatic enrollment, vesting schedules, and Roth catch-ups impact savers at different stages of life.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Alex Lundgren ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

Send us a textTax Savings Strategies for Early RetireesIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly delves into tax-saving strategies tailored for high-income earners aiming for early retirement. Hunter discusses the advantages of Roth conversions during low-income years, the benefits of tax-loss harvesting to offset capital gains, the importance of proper asset location, strategic withdrawal sequencing to minimize taxes, and the utilization of Health Savings Accounts (HSAs) for managing medical expenses before Medicare eligibility. Emphasizing long-term tax planning, he offers valuable insights to help listeners retain more of their wealth and achieve a smoother transition into early retirement.00:00 Introduction to Tax Savings Strategies for Early Retirees02:25 Roth Conversions: A Game Changer for Early Retirees09:22 Tax Loss Harvesting: Turning Losses into Gains14:09 Asset Location: Placing Investments Strategically17:21 Strategic Withdrawal Sequencing: Maximizing Your Retirement Funds20:05 Health Savings Accounts: A Triple Tax Advantage22:40 Conclusion and Next StepsCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the third and final step in the Peace of Mind Pathway—Nurture. After creating a retirement-focused plan and implementing key strategies, nurturing your plan is what keeps it strong and adaptive for the long haul. Much like maintaining a car on a long road trip, your financial plan needs regular checkups, updates, and care to remain effective. This episode walks through the structure and purpose of your ongoing financial advisor meetings, and how regular reviews help you manage changes in income, required minimum distributions (RMDs), risk tolerance, and personal goals.Listen in to learn about the critical components of an annual retirement planning process—including the Roth conversion strategy, retirement tax planning, and long-term care considerations. Radon and Murs outline the cadence of two core strategy meetings each year: the Financial Plan Review and the Tax Strategy Meeting. You'll also discover how their team supports clients with proactive retirement education, timely updates, and a collaborative, team-based approach to financial planning for retirement.In this episode, find out:· Why nurturing your plan is essential to retiring comfortably.· What happens in the Financial Plan Strategy Meeting and how it supports your evolving goals.· The value of the Tax Strategy Meeting and how it aligns with your retirement tax strategy.· How long term care planning and beneficiary reviews are integrated annually.· The importance of communication and ongoing retirement education to keep your plan on track.Tweetable Quotes:"Building a retirement plan is just the beginning—nurturing it ensures you stay on track through every stage of life." – Radon Stancil "Strategy meetings are not just check-ins; they're where proactive planning meets real-life updates to secure your retirement." – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this special episode, we catch up on a backlog of insightful listener questions—covering everything from estate planning and Social Security taxation to Roth conversions and Medicare rules. If you've been wrestling with real-world retirement planning decisions, you're not alone. Today's episode delivers practical answers to the kinds of issues many people face but few have clearly explained. We tackle: IRMAA and Social Security Taxation – Does IRMAA include Social Security income if it's not taxable? Capital Gains on a Vacation Home – Should you delay estate planning until after the sale of a property? What about the "2 out of 5 years" exemption? Paying Inheritance Taxes – If all your accounts list beneficiaries, how will state inheritance taxes (like Pennsylvania's) get paid on time? Step-Up in Basis with TOD Deeds – In Oklahoma, does property with a Transfer on Death deed still receive a step-up in basis? Impact of Home Sale on IRMAA and Roth Conversions – How does selling a vacation home affect your income-based Medicare premiums and Roth conversion strategies? Medicare Enrollment Rules at Age 65 – Are you legally required to enroll in Medicare at 65 if not on a qualifying employer plan? Trusts and Anonymity – How can you use estate planning tools while keeping your affairs private and self-directed? Probate Friendliness by State – Which states make probate easy, and which ones almost demand a trust-based plan? Inherited IRAs and Roth Conversions – Can a beneficiary convert inherited IRA funds into a Roth IRA for future tax-free growth? If you've ever had a nuanced question about retirement or estate planning, chances are someone else has too—and we're tackling them head-on in this packed Q&A episode. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

In this episode, Dr. Preston Cherry breaks down key retirement accounts like 401(k)s, Roth IRAs, and traditional IRAs. He explains where to save, invest, and withdraw money for retirement — and why taxes matter. The talk covers contribution limits, tax perks, smart strategies for high earners, and common planning mistakes to avoid.Takeaways:• Know where to save• Use employer plans• Roth vs. traditional• Max out contributions• Avoid common errorsWant to learn more? Connect with us below!Stay informed and inspired! Join our FREE wealth & well-being newsletterDo you want confidence & clarity? Check out our award-winning wealth advice servicesGrab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life'Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

Market volatility is inevitable—but it doesn't have to be a setback. In this episode, retirement planners Loren Merkle and Clint Huntrods join host Molly Nelson to help you rethink volatility as an opportunity. They explain how two proactive strategies, dollar-cost averaging and Roth conversions, can turn down markets into powerful moments for long-term retirement growth.Clint breaks down dollar-cost averaging with a five-month example, showing how a consistent $1,000 monthly investment during a volatile market could result in purchasing more shares at lower prices—lowering the average cost per share to $37.45 compared to a $50 lump sum investment. It's a clear demonstration of how strategy can outperform timing when it comes to building long-term value in your retirement portfolio.The episode also covers what a recession-resistant retirement plan really looks like and how it can offer you stability, confidence, and control. --Ready to take the next step? Schedule a call now at https://bit.ly/4dldSPN to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/45fhnoK

In this episode, board-certified plastic surgeon Dr. Jeffrey Roth from Las Vegas Plastic Surgery joins co-host Darrell Craig Harris to explore the recommended lifespan of breast implants. They dive into why implants aren't permanent, what signs to watch for, and when replacement might be necessary—valuable insights for anyone considering or currently living with breast implants. We invite you to contact us with your questions including suggestions for topics to cover on future episodes!  email: inquiry@darrellcraigharris.com Meet Dr. Jeffrey J. Roth from Las Vegas Plastic Surgery Drawn to medicine by his innate desire to help others, he received his medical degree from the University of Nevada School of Medicine. He completed his general surgery residency at the Medical College of Pennsylvania/Hahnemann University in Philadelphia and his plastic surgery residency at the University of California, San Francisco, serving as chief resident in both programs. He then furthered his training with a fellowship in microsurgery and hand surgery at USC, where he also served on the faculty. Having gathered the kind of expertise and experience that makes him a leader in his field, Dr. Roth returned to Las Vegas in 2003 and opened his practice, Las Vegas Plastic Surgery, Inc. Website www.JJRothMD.com  Social media www.Instagram.com/lasvegasplasticsurgery www.Instagram.com/lookinggoodfeelinggreatpodcast www.Facebook.com/lasvegasplasticsurgery www.Twitter.com/DrJeffreyRoth             

On this week's Money Matters, Scott and Pat examine the implications of new rules for 401(k) catch-up contributions and discuss whether they really benefit the average person. Plus, they help callers navigate the complexities of fixed index annuities and inherited IRAs and explain why understanding these financial products is crucial. Allworth advisor Laurie Ingwersen joins the show to explain how a Roth conversion strategy can lessen a big tax burden. Finally, Scott and Pat share real-life stories and offer insights into maximizing your retirement savings while steering clear of potential pitfalls.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Jim and Chris answer listener questions on Social Security timing, the Earnings Test, nondeductible IRA basis, and the Roth 5-Year Rule. (16:15) Georgette asks whether filing retroactively in December, with Social Security payments issued in January, ensures that all income—including the retroactive amount—will be reported on the following year's tax return. (28:00) A listener working […] The post Social Security, IRA Basis, and Roth 5-Year Rule: Q&A #2521 appeared first on The Retirement and IRA Show.

We discuss the hidden costs of delaying your financial planning. Discover how putting off seemingly small decisions can snowball into significant setbacks for your future. Learn actionable strategies to overcome inertia and start taking control of your money today, not tomorrow.

In this lighter (but still info-packed) Friday Q&A episode, Don tackles a mixed bag of real-world money questions—from Roth conversions and selling the family home to foreign tax credits and the emotional overload of trying to do everythingat once. Listeners wrestle with software vs. strategy, gifting real estate to their kids, and finding financial sanity in mid-life. Don reminds us: good advice doesn't come with a magic wand, but it does come with a bit of permission to slow down. 0:56 Roth conversions vs. tax software forecasts Don breaks down a listener's dilemma between believing Bolden software's results and the unpredictable future of taxes. 3:16 Selling a $1.3M home to your daughter at a discount Creative estate planning meets real estate risk. Don dives into the tax, gift, and legal landmines. 9:21 Should I worry about foreign tax credits with VT? A listener's ETF portfolio prompts a discussion on whether VT's structure means missing out on foreign tax credit benefits. 14:13 “Is Tom using a money multiplier?” A sharp-eared listener catches a math slip and asks whether Tom is secretly using margin or magic. 15:35 Holistic financial planning for a stretched young family In a heartfelt question, a 30-something couple wonders how to juggle mortgage, saving, and life without burning out. Don gives them more than advice—he gives them permission. 21:59 Don's guest appearance on Personal Finance for Long-Term Investors If you want more Don, check out his chat about annuities with Jesse Kramer. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Friday Five for May 23, 2025: Field Notes 5.23.2025 Google Announces NotebookLM App AI Actions in Microsoft Windows 11 TikTok Sleep Meditation for Teens 2025 Social Media Marketing Industry Report   Field Notes 5.23.2025: Register for Ritter Insurance Marketing Summits: https://summits.ritterim.com/   Google Announces NotebookLM App: Beaty, Artie. “Google's Popular AI Tool Gets Its Own Android App - How to Use NotebookLM on Your Phone.” Zdnet.Com, ZDNET, 19 May 2025, www.zdnet.com/article/googles-popular-ai-tool-gets-its-own-android-app-how-to-use-notebooklm-on-your-phone/. Peters, Jay. “Google Releases Its NotebookLM Mobile App.” Theverge.Com, The Verge, 19 May 2025, www.theverge.com/news/669828/google-releases-its-notebooklm-mobile-app. Wang, Biao. “Understand Anything, Anywhere with the New NotebookLM App.” Blog.Google, Google Blog, 19 May 2025, blog.google/technology/ai/notebooklm-app/.   Microsoft Announces AI Actions in Windows 11: Warren, Tom. “Microsoft Is Putting AI Actions into the Windows File Explorer.” Theverge.Com, The Verge, 20 May 2025, www.theverge.com/news/670251/microsoft-windows-11-ai-actions-file-explorer-context-menu. Whitney, Lance. “Microsoft's New AI Tool Lets You Edit Images and Summarize Docs Right in File Explorer.” Zdnet.Com, ZDNET, 20 May 2025, www.zdnet.com/article/microsofts-new-ai-tool-lets-you-edit-images-and-summarize-docs-right-in-file-explorer/.   TikTok Sleep Meditation for Teens: Hasan, Sadiba. “Can TikTok Help Young People Take a Break From Screens?” Nytimes.Com, The New York Times, 19 May 2025, www.nytimes.com/2025/05/17/style/tiktok-guided-meditation-sleep.html. Malik, Aisha. “Tiktok Rolls out a New Meditation Feature to Help You Get off the App and Sleep.” Techcrunch.Com, TechCrunch, 15 May 2025, techcrunch.com/2025/05/15/tiktok-rolls-out-a-new-meditation-feature-to-help-you-get-off-the-app-and-sleep/. Roth, Emma. “Tiktok Will Show Teens Guided Meditation after 10pm.” Theverge.Com, The Verge, 15 May 2025, www.theverge.com/news/668051/tiktok-guided-meditation-wind-down-10pm.   2025 Social Media Marketing Industry Report: Stelzner, Michael A. “2025 Social Media Marketing Industry Report.” Socialmediaexaminer.Com, Social Media Examiner, www.socialmediaexaminer.com/social-media-marketing-industry-report-2025/. Accessed 21 May 2025. Learning to Delight in the Limelight ft. Linda Ugelow: https://lnk.to/asg644 Order Your Copy of Delight in the Limelight: https://lindaugelow.com/delight-in-the-limelight/   Resources: 5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131 Best Video Editing Apps for Social Media: https://lnk.to/8xfGo0 Community Engagement & ACA Marketing Suggestions: https://lnk.to/ASG665  From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025  Social Media Marketing for Insurance Agents: https://ritterim.com/social-media-ebook/ The Best Books for Insurance Agents: https://ritterim.com/blog/the-best-books-for-insurance-agents/   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Do spouses that retire at different times spend more or less in retirement? Does the decision of when each spouse retires really impact their level of spending? The study results we review in this show might surprise you.

Jason Steinhauer, public historian and author of History, Disrupted: How Social Media and the World Wide Web Have Changed the Past, lays out for Drew & Roth whether the current system is actually Fascism or merely sparkling Authoritarianism, and if historical precedent can even predict our modern times at all. And then after that, somehow, they also turn their attention to the NBA finals! You might be surprised at how many guys Jason can remember… or, well, he's a historian, so maybe not.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 AboutFascismHow the internet affects historyNBA finalsKnicks v Wolves in the finals ??Jason's substack!Sponsors- Storyworth, where you can save $10 on your first purchase when you go to storyworth.com/distractionCredits- 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.

Listener Q&A where Andy talks about: Why more fund managers don't offer mutual fund-to-ETF conversions ( 5:02 )How my firm helps clients prepare for severe market declines, and how we communicate bad markets to them ( 8:48 )Who's the voice of the intro and outro to this podcast ( 16:06 )For spouses claiming Social Security, what's a good claiming strategy when one spouse doesn't have enough work history to get their own benefit and can only get spousal benefits ( 17:19 )Could a person continue to fund a 529 for their children and later transfer the beneficiary to eventual grandchildren ( 21:37 )What constitutes a gift of digital assets; is it the transfer of the key to the wallet? ( 24:01 )What date/time is used for the date of death valuation of assets, like crypto, that trade 24/7 ( 25:52 )How will the sale of a vacation property impact IRMAA ( 26:55 )How will the sale of a vacation property impact Roth conversion analysis and trying to fill up a certain tax bracket ( 28:46 )Why were the recent 3 and 5-year returns of total bond market funds so poor ( 32:48 )Making estimated payments or withholdings to cover the tax obligations from a Roth conversion done late in the year ( 41:39 )Thoughts on a listener's proposed basic retirement plan, investment allocation and bucketing strategy ( 47:20 )The Smart Money, Fresh Minds podcast - hereMy YouTube video on Estimated Taxes, Tax Withholdings and Underpayment Penalties - hereTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Don shares a deeply personal tale from 2007 when, as an HOA treasurer, he dodged a financial landmine involving auction-rate securities—just before the 2008 crisis froze their liquidity. That real-life scare flows into a fierce takedown of today's institutional obsession with illiquid assets like private equity, especially in university endowments. Harvard's high-risk strategies, retirement plans promoting alternatives, and the seductive myths of market outperformance get picked apart. Don and Tom warn investors not to chase complexity or “exclusive” returns, especially when liquidity disappears. Plus: a pension tax trap, Opportunity Zone hype, and the nerdy joys of CD ladders. 0:04 Don's HOA horror story: auction-rate securities before the 2008 collapse 2:06 Liquidity vanishes when you need it most—Wall Street Journal echoes the warning 3:51 Harvard's endowment crash: elite returns turn embarrassing 4:34 Private equity's scary recipe: micro-cap risk + debt + 3–4% fees 5:44 Why these complex products often spark crises 6:42 “Works until it doesn't”: the fatal flaw of illiquid alternatives 8:10 Illiquidity explained with the real estate analogy 10:13 State pension investing: lessons from Washington's shift to index funds 11:32 Why elite endowment managers must pretend to be smarter than markets 12:10 Microsoft vs. Mac: the cost of complexity, again 13:15 Secret formulas, snake oil, and the myth of exclusive financial wisdom 14:36 Listener Q1: Can Alaska pension income go into a Roth? 16:25 Listener Q2: Qualified Opportunity Zones—worth it or tax dodge trap? 19:05 Tax deferral vs. sound investing: when kicking the can isn't smart 20:27 Listener Q3: Fidelity's CD ladder tool and emergency funds 21:40 How CD ladders smooth yields—and a shortcut with bond funds 23:27 Volatility = reward: why risk is the reason stocks outperform 24:10 Why indexed annuities kill returns—and the fake comfort they sell 25:30 Tech support rants, Gen Z lifelines, and the “is it plugged in?” curse Learn more about your ad choices. Visit megaphone.fm/adchoices

Tackle Roth IRA strategies, dollar cost averaging, passive investing risks, strategic retirement withdrawals, and more. Whether you're planning early retirement or optimizing your current portfolio, Wes and Christa deliver actionable insights and answer listener questions, including: • Is Passive Investing Creating a Bubble? Are index funds inflating markets? Or do global diversification and ongoing price discovery demonstrate otherwise? Is it a mistake to dismiss all active strategies? • Roth IRA Allocation Roth IRAs often have the longest time horizon. Does that make them ideal for more aggressive, all-stock index fund investing? • How to Diversify an IRA After a Rollover Is it helpful to go beyond S&P 500 funds with mid- and small-caps? Treasuries? Corporates? REITs? Commodities? Energy pipeline investments? • Avoid Paying Roth Conversion Taxes from a Roth? Does it reduce long-term value to use Roth funds to pay taxes on a conversion? Is it okay to spread conversions over several years? • What Is Dollar Cost Averaging (DCA)? DCA can help reduce timing risk by investing consistently over time. Is it beneficial for large cash amounts and emotional ease? • Investing a Lump Sum? What About a 50/50 Split? Should you consider investing half up front and dollar cost averaging the rest over several months for balanced risk and reward? • Effective Withdrawal Strategy in Retirement Is it more strategic to pull from bonds/cash rather than stocks in down markets? • Should You Use Target Date Funds? They can be handy early in your career, but do some get too conservative by retirement age? • Is the Reverse Glide Path Worth It? Starting conservative and getting more aggressive later may look good on paper, but does its complexity overshoot its practicality in real life? Learn more about your ad choices. Visit megaphone.fm/adchoices

Chuck Zodda and Mike Armstrong give their thoughts on news of OpenAI's Sam Altman linking up with former Apple diesigner Jony Ive to develop a new, secretive AI product that reportedly doesn't have a screen. So what could it actually be? Speaking of Apple, where do they currently stand in pursuit of strengthening their AI? Also, how do you know if a Roth conversion is right for you? Plus, more on the desperate need for more housing in this country and how to accomplish it.

Meet Joe Sanok Joe Sanok helps counselors to create thriving practices that are the envy of other counselors. He has helped counselors to grow their businesses by 50-500% and is proud of all the private practice owners who are growing their income, influence, and impact on the world. Click here to explore consulting with Joe. […] The post TIME Magazine Named Dr. Alan Roth a Guardian of Healthcare | POP 1208 appeared first on How to Start, Grow, and Scale a Private Practice | Practice of the Practice.

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If fishing were easy, they'd call it catching. If backdoor Roths were easy, they'd call it a loophole. Listen in as Nate Reineke and Ben Utley answer a cumbersome backdoor Roth question from a physician who fears they made a mistake, but the answer may be simpler than anticipated. We also answer your colleagues' questions. Investing Now: A retired physician in Alaska has a large nest egg, and they are concerned about the current economic and political situation. They want to know the best way to invest the cash. Practice buy-in: A specialist on the East Coast has a buy-in opportunity and is wondering the best way to finance it. Cash Balance Plan: An interventional radiologist from New Jersey is close to retiring and is curious if a cash balance plan is a good idea. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

Deciding when to start your Social Security benefits might be the single most consequential financial decision of your retirement journey. Should you claim early at 62, wait until full retirement age at 67, or delay until 70 to maximize your monthly check? The answer isn't as straightforward as many think.Your Social Security benefit is calculated using your 35 highest-earning years, adjusted for inflation. This forms your Primary Insurance Amount (PIA) – what you're entitled to at full retirement age. But here's where strategy enters: claiming at 62 permanently reduces your benefit by about 30%, while each year you delay beyond full retirement age adds a valuable 8% to your monthly check (up to age 70).The early claiming strategy at 62 offers immediate cash flow and potentially preserves your investment portfolio longer. However, it comes with serious trade-offs: permanently reduced monthly benefits, earnings limits if you're still working ($23,400 before penalties kick in), and potentially smaller survivor benefits for your spouse. This decision isn't just about you – it affects your family's financial security after you're gone.Waiting until full retirement age gives you 100% of your calculated benefit and eliminates the earnings test if you're still working. It represents a balanced approach that neither maximizes nor minimizes your benefit. Meanwhile, delaying until 70 increases your monthly check by a substantial 24% over your full retirement age benefit – creating the strongest possible income floor for life and maximum protection against longevity risk. This delay strategy also opens tax planning opportunities in your 60s, particularly for Roth conversions.The optimal claiming age depends on your unique circumstances. Consider your health outlook, marital status, other income sources, tax situation, and overall retirement income needs. Remember that this isn't simply about break-even calculations – it's about creating security and maximizing quality of life throughout your retirement journey.Ready to get clarity on your optimal Social Security strategy? Visit our website to discover how personalized retirement planning can help you make the most of your benefits and create lasting financial security for you and your loved ones. Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

What should you do when the asset allocation of your retirement portfolio drifts? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on rebalancing for DJ in St. Louis, today on Your Money, Your Wealth® podcast number 530. Plus, Coach Dobber in Minnesota is curious about municipal bonds in a brokerage account, and Daniel in Stevensville, Michigan needs details on emergency funds. Also, can Tim the Enchanter do a Roth conversion and avoid the nasty big pointy teeth of capital gains tax? And, Duke in upstate New York told his wife they need 6 million dollars in retirement, and she said he was silly. What say Joe and Al? We'll find out. Free financial resources & episode transcript: https://bit.ly/ymyw-530 ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:47 - Rebalancing Asset Allocation of US Stocks, International Stocks, and Bonds (DJ in St Louis) 07:21 - Can I Do a Roth Conversion and Have No Cap Gains Tax? (Tim the Enchanter, FL) 15:44 - Watch Financial Planning at Every Age on YMYW TV, Download the Retirement Readiness Guide for free 16:41 - Municipal Bonds in a Brokerage Account: Good Idea? (Coach Dobber, MN) 22:48 - Told My Wife We Need $6M to Retire in 20 Years. She Say's I'm Silly. (Duke, upstate NY) 27:09 - Calculate your Free Financial Blueprint, Schedule your Free Financial Assessment 28:54 - What Is an Emergency Fund and How Much Should I Have in It? (Daniel, Stevensville, MI) 36:00 - YMYW Podcast Outro

Retirement Expert James Conole @RootFP breaks down how to retire wealthy with smart strategies around tax-free income, 401(k)s, Roth conversions, investment risk, Social Security, and the psychology of spending in retirement. Plus, we debate whole life insurance vs. bond alternatives, explore annuities, reverse mortgages, and the surprising ways legacy and lifestyle planning shape long-term wealth.Check out James Conole's Channel: @RootFP Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault00:00 Intro02:36 The Importance of Financial Planning04:47 Framework for Retirement Planning12:44 Understanding Cash Flow and Inflation17:44 Investment Strategies and Risk Management21:27 Typical Withdrawal Rate For 5 Years32:34 Understanding Root Reserves36:21 Risk Tolerance vs. Risk Capacity39:20 James Conole's Liquid Investments44:48 Exploring Annuities and Their Benefits48:52 Tax Advantages52:49 Retirement As an Income Strategy57:31 Navigating Reverse Mortgages01:01:44 Cashflow in Financial Planning01:04:10 Gold and Precious Metals01:07:25 Debt Management and Financial Strategies01:08:25 Tax Planning for Retirement01:21:11 Business Or Invesments01:27:00 Finding Purpose and Intentional Living______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: 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.

In this episode, Travis and Steve discuss how to navigate market volatility, emphasizing the importance of understanding market corrections and crashes. They explore strategies for profiting during downturns, including Roth conversions and identifying investment opportunities. The conversation highlights the wisdom of Warren Buffett, encouraging listeners to view market fluctuations as "opportunities rather than threats."Key TakeawaysMarket volatility can be leveraged for profit.Understanding the difference between market corrections and crashes is crucial.Market resets can create buying opportunities.Roth conversions during market downturns can maximize tax benefits.Investors should focus on the value behind stocks, not just their prices.Fear often drives poor investment decisions during market crashes.Strategic planning can turn market downturns into financial opportunities.Investing requires a long-term perspective, especially during volatility.Research is essential before making investment decisions during downturns.Market catastrophes can provide rare buying opportunities for savvy investors.___________________________________________

Retirement planning can be tricky, but there are ways to ensure a steady income. Frank and Frankie Guida discuss how pension and income annuities offer guaranteed income streams, even for those without traditional pensions. They also explain how converting IRA money to Roth can provide tax-free income later in life. Real-life examples illustrate the importance of a comprehensive income plan to meet retirement needs and combat inflation. 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.

We all know the Roth IRA is a powerful tool for setting our kids up financially, especially when they're earning early and you can stash away a few thousand dollars for decades of tax-free growth. But what happens when your child hits that in-between stage—say, age 19 to 25—still on your health insurance but no longer a tax dependent?  That's where the HSA strategy kicks in, offering a surprisingly overlooked second phase of long-term wealth building. In this episode, we explore how to leverage this window to give your child a tax-free healthcare fund that could quietly grow into hundreds of thousands by retirement.

In this week's episode of Winning at Life, Gregory Ricks is joined by CPA Jude Heath for a deep dive into smart tax planning strategies for 2025 and beyond. From surviving correction notice season to maximizing Roth conversions, Jude brings insider insights fresh off the heels of a hectic tax season. Plus, they unpack the latest on proposed “MAGA” savings accounts for kids, creative legacy planning ideas, and the surprising potential for a Pope to file a U.S. tax return. For LIVE financial news talk radio, tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings on:WRNO-News Talk 99.5 FM New Orleans - 10 am - 1 pmWBUV-News Talk 104.9 FM Biloxi - 10 am - 1 pmWBRP-107.3 FM Baton Rouge - 11 am - 1 pmORFor financial news talk ON DEMAND, tune into the Ask Gregory Podcast for more financial topics that may interest you! Visit: https://gregoryricks.com/podcast/

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also, potential car buyers face a lot of questions right now -  should you buy new or used? If buying used, is Certified Pre-Owned (CPO) the way to go? Clark shares advice to help you navigate decision making.  Clark Stinks: Segments 1 & 2 Vehicle Purchase: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Roth vs. Traditional 401(k): What's the Difference? Why 'Buy Now, Pay Later' Worries Clark Howard Best Credit Cards With No Foreign Transaction Fees in 2025 The Best International Phone Plans Why You Should Never Mail a Check How To Buy a Used Car Certified Pre-Owned Vehicles: What You Need to Know Before You Buy Should You Ever Lease a Car? When Should I Drop Comprehensive and Collision Coverage? Best Place to Get a Car Loan Car Loan and Payment Calculator - Clark Howard 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Don's back from NYC with pride (and maybe jet lag), tackling a full slate of thoughtful listener questions. From Roth conversions and the TSP G Fund to cash balance plan gimmicks, RMD timing, overpriced 401(k) plans, and yes, the eternal question: Are annuities ever worth it? Don delivers straight talk, a little outrage, and no-nonsense advice—with some well-placed jabs at the industry's smoke and mirrors. 0:04 Don returns from NYU graduation trip and thanks listeners for sending questions0:56 Should a 54/61-year-old couple convert traditional IRA to Roth? “It depends”3:05 Federal employee asks about the TSP G Fund – why it's loved, and when not to use it5:47 High earners ask about cash balance plans – Don says beware the fees and opacity11:05 Planning for RMDs at 73 – monthly, quarterly, or lump sum? Don prefers year-end13:38 60-year-old stuck in a principal 401(k) with 2.3% fees – Don goes full outrage18:28 “Are annuities ever appropriate?” Yes—but rarely, and only immediate ones Learn more about your ad choices. Visit megaphone.fm/adchoices

Defector's Culture Editor Brandy Jensen doesn't follow any sports, so she joins Drew and Roth to talk about other topics! Should Drew continue watching Reacher if episode one didn't hook him? Can Brandy save the state of modern design in America? Would any of them accept a $400 million 747 from Qatar, no questions asked? Then, they open up the Funbag to answer questions from you! 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!Sponsors- Hims, where you can start your free online visit today at hims.com/distraction- ExpressVPN, where you can get an extra four months free at expressvpn.com/distraction- Factor, where you can use promo code distraction50off at https://factormeals.com/distraction50off to get 50% off plus FREE shipping on your first box.Credits- 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.

Wes and Christa compare ETFs vs. index funds and retirement accounts vs. brokerage accounts. Unlock financial clarity and early retirement strategies with this jam-packed episode of dynamic discussion and listener questions, covering topics such as: • The importance of staying invested during market volatility, using a recent market upswing as an example of patience leading to productive results. • The aforementioned differences between ETFs, index funds, and even mutual funds. Discover which ones might be most effective for your specific needs. • An explanation of Lipper Ratings and how tax efficiency can matter in taxable accounts. Are ETFs more tax-friendly? • Learn how the S&P 500, while typically having a strong investment core, can be tech-heavy and may sometimes lack exposure to sectors like energy, materials, and real estate. How can diversification be achieved? • Initial Public Offerings (IPOs) can be exciting but are often risky. A small, speculative allocation might be fine, but is it productive to bet your retirement on IPOs? • Wes introduces a powerful analogy. Retirement accounts = Crockpot: slow-cooking, tax-deferred, long-term. Brokerage accounts = Skillet: accessible, taxable, real-time impact. Use both types of accounts strategically—Wes explains how. • When not to do a Roth conversion. • Can pension income be used for Roth IRA contributions, or do folks need wages or self-employment income to contribute? • Is it safe to link financial accounts to third-party companies to more regularly update info? Or do the cybersecurity risks and diminishing benefits mean manual updates once a year are sufficient?

In this episode of the Personal Finance Podcast,  we are going to talk about the  seven mindset shifts to master your money psychology. Watch this episode on Youtube. How Andrew Can Help You:  Listen to The Business Show ⁠here⁠. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities.⁠ Enroll now and make this year count!⁠ Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week ⁠Here⁠! Learn to invest by joining ⁠ Index Fund Pro⁠! This is Andrew's course teaching you how to invest!  Watch The Master Money ⁠Youtube Channel⁠! , Ask Andrew a question on ⁠Instagram⁠ or ⁠TikTok⁠.  Learn how to get out of Debt by joining our ⁠Free Course ⁠ Leave Feedback or Episode Requests ⁠here⁠.  Car buying Calculator ⁠here⁠ Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at ⁠ ⁠⁠shopify.com/pfp⁠ Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at⁠ chime.com/⁠ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to⁠ ⁠⁠fundrise.com/pfp⁠ Thanks to Policy Genius for Sponsoring the show! Go to ⁠policygenius.com⁠ to get your free life insurance quote. Go to ⁠https://joindeleteme.com/PFP20/⁠ for 20% off! Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at ⁠Indeed.com/personalfinance⁠ Turn your business dream into reality! Apply now at ⁠www.oneday.org/pfp⁠  Go to ⁠Acorns.com/pfp⁠ and start automating your investments and get a $5 bonus today! Shop Data Plans and Save Big at ⁠mintmobile.com/pfp⁠   Links Mentioned in This Episode:  ⁠Should I Use My Emergency Fund to Pay Off High Interest Debt? - Money Q&A⁠ ⁠Pre-Tax or Roth, How to Use Your Emergency Fund, & Building Business Credit - Money Q&A ⁠ ⁠The 1-3-6 Method For Building & Managing Your Emergency Fund⁠ ⁠How to Get a Guaranteed 5% Return on Your Emergency Fund - Money Q&A⁠ Connect With Andrew on Social Media:  ⁠Instagram ⁠ ⁠TikTok⁠ ⁠Twitter ⁠ ⁠Master Money Website⁠  ⁠Master Money Youtube Channel⁠   Free Guides:   ⁠The Stairway to Wealth: The Order of Operations for your Money ⁠ ⁠How to Negotiate Your Salary ⁠ ⁠The 75 Day Money Challenge ⁠ ⁠Get out Of Debt Fast ⁠ ⁠Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Thank you for tuning in for another episode of Life's Best Medicine. Dr. Emily Roth is an integrative veterinarian and the founder of Healing Trails Holistic Vet in Prescott, AZ. Highly diversified and skilled in a number of non-conventional approaches, she is, in addition to holding a veterinary degree from The Ohio State University, certified in mixed animal acupuncture through Chi University and mixed animal chiropractic with Options for Animals. In this episode, Drs. Brian and Emily talk about… (00:00) Intro (07:56) Animal acupuncture and the combination of Eastern and Western healing modalities (11:58) Feline and canine diabetes and how it can be reversed with dietary intervention (20:38) What constitutes proper nutrition for dogs and cats (29:14) How to get your dog the exercise it needs to be healthy (32:22) Insulin resistance in horses and how to combat it (37:45) Zoos, animal enrichment practices, and animal psychological health (47:15) End-of-life care and euthanasia (51:26) Chronic conditions and chronic pain (56:36) Outro (01:01:27) Plugs For more information, please see the links below. Thank you for listening!   Links:   Resources Mentioned in this Episode: Chi Dog: https://chidog.com Just Food For Dogs: https://www.justfoodfordogs.com   Dr. Emily Roth: FB: https://www.facebook.com/profile.php?id=100092318493788 Healing Trails Holistic Vet: https://www.healingtrailsholisticvet.com   Dr. Brian Lenzkes:  Arizona Metabolic Health: https://arizonametabolichealth.com/ Low Carb MD Podcast: https://www.lowcarbmd.com/   HLTH Code: HLTH Code Promo Code: METHEALTH • • HLTH Code Website: https://gethlth.com

In this episode of the Power of Zero Show, host David McKnight looks at every possible tax or cost that may result from a Roth conversion. The first tax you'll have to pay when executing a Roth conversion is federal income tax.  Whatever portion of your IRA you convert to Roth is realized as ordinary income and piled right on top of all your other income. David is an advocate for not converting to Roth unless you think your federal tax rate in retirement is likely to be higher than it is today. The second tax you could end up paying when doing a Roth conversion is state tax. The situation will vary depending on where you live – in Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming, you don't have to pay state tax, including on Roth conversion. Do you live in Illinois, Iowa, Mississippi, or Pennsylvania? Then, you'll have to pay state tax, but Roth conversions are exempted. If you're thinking about moving to one of these states to avoid paying these taxes, just know that, while they may not charge income tax on Roth conversions, they do make up for it in other ways (sales and property tax, for example). IRMAA – the Income Related Monthly Adjustment Amount – is the third cost you could end up paying when doing a Roth conversion. IRMAA represents an additional charge you could be required to pay on your Medicare Part B and Part D premiums. The next potential tax you could pay as a result of doing a Roth conversion is Social Security taxation. The fifth cost you could incur because of a Roth conversion is NIIT (Net Investment Income Tax) – also known as the Obamacare surtax. NIIT is a 3.8% surtax on the lesser of your net investment income or the amount of your modified adjusted gross income that exceeds the threshold of $200,000 for single filers and $250,000 for married filing jointly. The sixth tax you could potentially pay as a result of doing a Roth conversion is an indirect one and results from the phase out of certain credits or deductions. The list of credits and deductions includes child tax credits, student loan interest deductions, the saver's credit, and education credits. Underpayment penalties is the seventh tax you could potentially pay by doing a Roth conversion. David explains that many people opt to pay taxes on their Roth conversion in the fourth quarter. The problem, however, lies in the fact that when you pay the taxes on your Roth conversion out of cash in the fourth quarter, the IRS expects you to have paid taxes on that Roth conversion evenly throughout the year. The eighth and final tax you could end up paying as a result of doing a Roth conversion applies to those who are getting health insurance through the Affordable Care Act. Does your Roth conversion push you above the subsidy threshold? If so, know that you could have a partial or total loss of subsidies or may have to repay subsidies at tax time. “Think of all of these additional taxes or costs as tradeoffs, not problems or unintended consequences,” says David. For example, you may pay increased Social Security taxation during your Roth conversion period, but will then eliminate Social Security taxation altogether by the time your conversion is complete. If President Trump extends his tax cuts, then the national debt will grow to $62 trillion by 2035. Most experts believe that the only way we can service this massive debt load is to dramatically increase income tax rates. According to a recent Penn Wharton study, if the U.S. doesn't right its fiscal ship by 2040, no combination of raising taxes or reducing spending will prevent the nation's financial collapse. Remember: while it's true that Roth conversions do cause you to pay additional taxes and expenses in the short term, they do dramatically reduce those costs over the balance of your life, once your conversion is complete. Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track 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 Penn Wharton

John in Boston is in the 32% tax bracket. Should he do Roth conversions? Flight Deck Dad and Irish Girl in Pensacola have a lot of tax-free pension income. Should they do Roth conversions? Bert and Ernie in New Jersey wonder if they should convert to Roth or take advantage of zero percent capital gains tax rates. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for all of them today on Your Money, Your Wealth® podcast number 529. Plus, Michael and his wife in Bellevue are 34, in the 24% tax bracket and wonder if they should contribute to tax-free or tax-deferred accounts, and if they should slow down on retirement savings and start a bridging account for the years between when they want to punch the clock in their early to mid-50s, and when they can access their retirement savings. Then, for something completely different, Frenchie from Maine writes back in: What are the disadvantages to paying off her mortgage ASAP, and what's the tax efficiency of a money market compared to bond funds? Free financial resources & episode transcript: https://bit.ly/ymyw-529 WATCH How to Break Through Retirement Barriers on YMYW TV CALCULATE your Free Financial Blueprint SCHEDULE your Free Financial Assessment ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:00 - We're in the 32% Tax Bracket. Should We Do Roth Conversions? (John, Boston, MA) 06:19 - We Have Large Tax-Free Pension Income. Should We Do Roth Conversions? (Flight Deck Dad & Irish Girl, Pensacola, FL) 16:03 - Watch How to Break Through Retirement Barriers on YMYW TV, Calculate your free Financial Blueprint 16:52 - Should We Do Roth Conversions or Take Advantage of 0% Capital Gains Tax? (Bert & Ernie, NJ) 25:53 - In the 24% Bracket. Should We Contribute to Tax-Free or Tax Deferred Accounts? (Michael, Bellevue, WA) 29:49 - Schedule a Free Financial Assessment at any of Pure Financial Advisors' 12 nationwide locations or online 31:04 - Disadvantages to Paying Off the Mortgage ASAP? Tax Efficiency of Money Market vs. Bond Funds? (Frenchie, ME) 36:23 - Outro: Next Week on the YMYW Podcast

Don and Tom take aim at America's favorite financial myths—starting with the widespread belief that real estate and gold are the best long-term investments. They present nearly 100 years of historical data to show why stocks have far outpaced both. The conversation also tackles misleading annuity pitches, a classic pension lump sum dilemma, and the age-old question facing 20-somethings: save for a house or retirement? Callers bring smart questions about guaranteed annuities, where to park surplus cash, and the VT vs. VTI+VXUS tax argument. As always, the show delivers investing wisdom with skeptical charm and a few zingers. 0:10 — A third of Americans believe real estate or gold are the best long-term investments1:40 — The real historical winners: stocks beat gold and real estate by miles3:03 — Nearly 100 years of returns: real estate (4.2%), gold (5%), stocks (9.9%)6:00 — Don's missed heart procedure and Tom's recycled joke vault7:49 — Don's NYC hotel sticker shock vs. Tom's five-star absence excuse9:02 — Caller Jim asks about multi-year guaranteed annuities as bond alternatives10:01 — Why MYGAs aren't remotely comparable to U.S. Treasuries13:07 — If something looks too good (5.8% guaranteed), it probably isn't14:25 — Another Jim (Florida) asks: lump sum or $250/month pension?17:30 — Financial flexibility vs. longevity risk in pension decisions21:32 — Listener dilemma: save for retirement or a house at 24?23:57 — Why early Roth contributions beat early homeownership for long-term wealth25:41 — Kyle in Indianapolis has an extra $40K—where should it go?27:26 — If it's 5 years, don't risk stocks. If it's 10+, maybe30:47 — Allie from Wyoming asks: VT vs. VTI+VXUS for better foreign tax credits32:25 — Why foreign tax credit isn't a good enough reason to skip VT34:21 — Global GDP, stock valuations, and the eternal U.S. vs. international allocation debate Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we talk to an engineer who has reached a half million dollar net worth. Her husband is a medical student at the Uniformed Services Medical School and she is six years out of training. She talked about being a finance enthusiast since she was young thanks to her dad who taught her about finance. She had a custodial Roth account as a kid and he helped her get investing at Vanguard in college. She said her and her spouse had great conversations before marriage about how they want their financial life to go and they have been on the same page since then. After the interview we are talking about different ways to pay for medical school for Finance 101. This is a sponsored promotion for Locumstory.com. But the weird thing here is there's nothing they're trying to sell you. Locumstory.com is simply a free, unbiased educational resource about locum tenens – it's not an agency. They simply exist to answer your questions about the how-to's of locums on their website, podcast, webinars, videos, and they even have a locums 101 crash course. Learn about locums and get insights from real-life physicians, PAs and NPs at https://Locumstory.com The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones  Main Website: https://www.whitecoatinvestor.com  Student Loan Advice: https://studentloanadvice.com  YouTube: https://www.whitecoatinvestor.com/youtube  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

In this episode of the Personal Finance Podcast Money Q&A,  we are going to talk about  the fastest Way to 1 million Roth Rules, and should you rent forever. Watch this episode on Youtube Today we are going to answer these questions! Question 1: How do I build back my emergency fund after using it, and where should I move money from to do this? Question 2: Is it wise to invest my HSA funds? Question 3: I've come across an extra $500/month. Should I put it toward credit card debt or savings? Question 4: Should I roll my rollover IRA back into my new 401(k) plan now that I've started a new job? Question 5: How do I become a millionaire in a rapid-fire way? Question 6: As a 28-year-old in a high cost of living area, would I be better off renting forever and investing the difference instead of owning? Question 7: If I make over $150K/year, should I stop investing in Roth accounts for my IRA and 401(k)? Question 8: Should I still move my money from my Roth 401(k) to a Roth IRA, or are they essentially the same thing? Question 9: My mortgage rate is 6.625%. You always say over 6% is high-interest debt—should I pay it off early? Question 10: Have you heard of the AIQ ETF? What are your thoughts on it? How Andrew Can Help You:  Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Go to https://joindeleteme.com/PFP20/ for 20% off! Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Turn your business dream into reality! Apply now at www.oneday.org/pfp  Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today! Shop Data Plans and Save Big at mintmobile.com/pfp   Links Mentioned in This Episode:  The Ultimate Guide to the HSA (The Super Retirement Account!) Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the foundational first step in their three-part Peace of Mind Pathway: The Peace of Mind Roadmap. This step is all about creating a personalized retirement roadmap to help you clearly define where you are, where you want to go, and what your journey through retirement will look like. Through real examples and a GPS-style analogy, they break down the importance of clarity and confidence when beginning the retirement planning process. The roadmap goes far beyond investments—it covers your retirement goals, Retirement income strategy, tax planning, estate planning, and more.Listen in to learn about how building a retirement-focused financial plan can reduce stress, reveal opportunities, and help you retire comfortably. You'll hear how an introductory meeting evolves into a comprehensive, personalized strategy session that gives you direction and peace of mind. With topics ranging from Roth conversions in retirement to bucket strategy retirement, this episode is perfect for anyone who's ready to take their first step toward a secure your retirement future.In this episode, find out:· Why the Peace of Mind Roadmap is critical to financial planning for retirement· How your personalized GPS for retirement guides your unique journey· The role of planning meetings and how they evolve into strategy sessions· How to evaluate your retirement destination and adjust along the way· The impact of Roth conversions, healthcare costs, and charitable giving on your planTweetable Quotes:"Your retirement plan should function like a GPS—clear, adaptable, and designed around your unique destination." – Radon Stancil"A well-crafted roadmap gives you more than numbers—it gives you the confidence to enjoy your retirement journey." – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast