Podcasts about Roth

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.

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.

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.

This week, we break down the surprising China tariff truce and what it means for global markets. We then dive into the growing concerns surrounding a potential recession, exploring key indicators and expert opinions. We provide actionable steps you can take now to financially prepare for economic uncertainty and safeguard your portfolio.

Bill welcomes Gradient Investments senior portfolio manager Keith Gangl. Keith breaks down the latest inflation data and what it means for your investment strategy. He offers his expert analysis on the recent market volatility, highlighting potential opportunities and pitfalls for long-term investors. Finally, Keith shares key insights on sector rotation and how to position your portfolio for the remainder of the year.

In this episode we tackle the importance and strategies for periodic reviews of your legal documents and your financial plan. We also talk about the apple cider vinegar craze.

During this show, we'll look at some steps you can take if you're suddenly laid off from your job within five years of your preferred retirement date.

During this episode, we're going to discuss common 401(k) mistakes and why it's important to avoid them.

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

Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse's work history. This holds true for certain DIVORCED spouses. In this show we talk about the rules and calculations around claiming Social Security benefits based on your ex-spouse.

Episode 590:  Abbie and Ryan explore the benefits and drawbacks of Roth and pre-tax contributions, along with what to consider for making the smartest choice for your financial future. Next, the Money Doctors break down four alternatives to 529 college savings plans to determine the best fit for your family.

Most people go into retirement assuming their taxes will drop, but what if that assumption sets you up for a nasty surprise? In this episode, Jake and Nick unpack the “tax trap” that catches countless retirees off guard. It's a hidden pitfall that turns decades of diligent saving into unexpected tax bills when you finally tap into your nest egg. They will reveal how common retirement strategies, like deferring taxes through 401(k)s and IRAs, might backfire if not planned for properly. They also break down why general financial advice may not serve you well once you're within 10 years of retirement, and what to consider instead. You'll hear practical discussion about Social Security taxation, Roth conversions, and how legacy goals shape tax strategy. This episode doesn't just teach you how to avoid mistakes, it urges you to ask better questions about how and when to pay Uncle Sam. Here's what we discuss in this episode:

Think you'll be in a lower tax bracket when you retire? Think again. In this episode of Safer Retirement Radio, Brian Decker and Brad Geddes, CFP(R) dismantle the myth and walk you through real-life tax planning strategies that can help you save hundreds of thousands—or even millions—in retirement taxes. From strategic Roth conversions to dynasty trusts, donor-advised funds, real estate tax planning, and more, this is a masterclass in building a smarter, safer financial future.

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?

Curious about how a Roth IRA stacks up against a whole life insurance policy for Infinite Banking? In this episode, we break down the key differences, from control and liquidity to tax treatment and long-term benefits, helping you decide which option fits your financial goals. Audio Production by Podsworth Media - https://podsworth.com 

In this episode, listeners gain valuable insights into the three key changes that consistently lead to a fulfilling retirement before age 60. Drawing from years of experience working with retirees, host Adam Olson highlights how these pivotal shifts go beyond financial preparation, focusing on purpose, vision, and legacy. With examples from real client stories, listeners will discover the importance of retiring to something meaningful rather than merely retiring from the workforce. Key takeaways from this episode include: • The danger of focusing solely on savings without a clear purpose or lifestyle strategy. • How planning early can avoid common pitfalls like high taxes, Medicare premium increases, and market volatility. • The transformative power of creating a comprehensive retirement strategy that aligns with personal values, generates lifetime income, and ensures a lasting legacy. Adam shares a success story of a couple who, through structured retirement planning, achieved more income in retirement than during their working years. Their journey highlights how thoughtful adjustments—such as Roth conversions and legacy-focused accounts—can lead to financial security and peace of mind. If you're ready to take control of your retirement journey, Adam invites you to fill out a complimentary retirement questionnaire. By completing it, you'll receive a personalized video with tailored advice to optimize your retirement plan. Don't leave your retirement to chance—click the link below to get started and begin building a stress-free future. Take the first step toward a purpose-filled retirement today. Your future self will thank you. “The happiest retirees are those who planned for more than money; they planned for purpose.” - Adam Olson Learn more about Adam Olson by visiting the following links: Facebook Personal Website Business Website Retirement Quiz -- Investing involves risk, including loss of principal.    Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone.  Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product. Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

Retirement planning can feel like a whirlwind, flooded with choices, tight timelines, and the pressure to “get it right.” In this special mailbag episode, David answers real questions from listeners who are navigating this very moment. One is preparing to retire and feeling overwhelmed; the other is already retired and sorting through the complexities of Roth conversions.   Here's some of what we discuss in this episode:

Peter makes his return on air with Drew as they talk to callers and answer questions regarding Roth conversions, going on Medicare at 65, lump sum cash vs. monthly amount for a pension, tax changes of municipal bonds, and more. Download and enjoy! 

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

As a young family with a lifetime of major expenses ahead of you, it can be hard to know where your savings should go. Donna offers guidance on how to use your resources to put you in the best position to achieving both your early and late stage financial goals. Also on MoneyTalk, planning a Roth conversion around the sunsetting of the TCJA, and how to handle inherited retirement accounts. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 5/12/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Welcome to Sell With Authority! I'm Hannah Roth, Director of Strategy and resident mad scientist here at Predictive ROI. And before you double-check your podcast app — yes, you are in the right place. If you've been a longtime listener, you're probably used to hearing Stephen kick things off. But today, I've hijacked the mic for a good reason. Stephen's daughter is about to graduate; CONGRATS to the whole Woessner crew! We've gently nudged him off the show for the next few weeks so he can enjoy that special time with his family. In the meantime, I'll be your host for the next four episodes, and I'm really excited about what we have planned. Each week, I'll be joined by Erik Jensen, my strategic co-pilot, co-owner, and our Chief Strategy Officer here at Predictive. We are in the trenches every day working with agency owners, helping them navigate the big challenges that hold them back from scaling with confidence. Erik and I are kicking off a four-part series about why agencies struggle with sales — and more importantly — what to do about it. In today's episode we focus on what we call “The Referral Trap.” Referrals are great… until they're not. Too many agencies rely on them as their primary source of new business — but that's risky. We discuss why the illusion of “plenty of referrals” is so dangerous, and what to do before they dry up without warning. What you will learn in this episode: Why so many agency owners fall into the “referral trap” The not-so-obvious risks of relying on referrals How passivity with prospects infects your sales culture — and leads to missed revenue from both new prospects AND existing clients The candid truth about “not having time” for sales A rock solid step-by-step way to take control of your biz dev Why your list is one of the most important assets that your agency can have How to assess if your list is actually filled with viable prospects Resources: Website: www.predictiveroi.com Visit our newly expanded Resource Library Join us in our free How to Fill Your Sales Pipeline Facebook Group Erik's LinkedIn: http://www.linkedin.com/in/erik-jensen-b9946068/ Hannah's LinkedIn: https://www.linkedin.com/in/hannah-roth-387a6b223/ Order your free paperback or Kindle copy of our Book: Sell with Authority

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

Dr. Tony Ebel interviews Dr. Paige Roth, a world-class pediatric and family chiropractor from Des Moines, Iowa. They discuss the powerful impact of Neurologically-Focused Chiropractic Care, particularly for children facing what they call "perfect storm" conditions like PANDAS (Pediatric Autoimmune Neuropsychiatric Disorders Associated with Streptococcal Infections). Dr. Roth shares the remarkable transformation story of a young patient named Lenny, who overcame severe motor tics and health challenges through PX chiropractic care. The doctors also explore the importance of preventative care, especially for pregnant mothers, and how proper nervous system care can help children thrive. Throughout the conversation, they blend scientific information with personal stories, humor, and practical advice for parents seeking solutions for their children's health challenges.[00:03:00] Introduction to Dr. Paige and the Perfect StormDr. Tony introduces Dr. Paige as a PX Doc and family chiropractorOverview of how conditions like PANDAS, ADHD, anxiety, and motor tics often worsen in springThe importance of addressing nervous system dysregulation in children[00:12:00] Dr. Paige's Journey to Neurologically-Focused ChiropracticHer path from traditional chiropractic to specialized PX trainingHow advanced training transformed her ability to help challenging casesThe importance of continuing education for achieving breakthrough results[00:22:00] Lenny's PANDAS Case StudyThe progression from strep infections to motor tics and behavioral challengesHow scans revealed specific nervous system interference in the C4-C5 areaThe intensive care plan: frequency of nervous system adjustmentsRemarkable improvement in symptoms and return to normal activities[00:36:00] Transforming Practice and Reaching More FamiliesHow successful cases like Lenny's create urgency to help more childrenThe challenge of parents not knowing about neurological chiropractic options[00:42:00] Prevention: Working with Pregnant MothersDr. Paige's passion for preventative care starting in pregnancyHow the medical system often disempowers women during pregnancyThe impact of maternal nervous system health on infant developmentSupporting families from preconception through early childhood[00:52:00] Practice Philosophy and Closing ThoughtsCreating a healing environment unlike traditional healthcare settingsThe importance of community and support in the healing processThe mission to help children and families experience miracles in healthGet connected with Dr. Paige & the True Roots Chiropractic Teamwebsite: truerootschiro.cominstagram: @truerootschiro-- DETAILS & REGISTRATION FOR THE FREE MAY AUTISM SUMMIT Follow us on Socials: Instagram: @pxdocs Facebook: Dr. Tony Ebel & The PX Docs Network Youtube: The PX Docs For more information, visit PXDocs.com to read informative articles about the power of Neurologically-Focused Chiropractic Care. Find a PX Doc Office near me: PX DOCS DirectoryTo watch Dr. Tony's 30 min Perfect Storm Webinar: Click HereSubscribe, share, and stay tuned for more incredible episodes unpacking the power of Nervous System focused care for children!

Did you hear about the mortgage broker who always ate lunch alone? Yep—it turns out he was a loaner.Okay, a bit of levity to start the program today, but you know what's serious business? Buying or selling a home. Are spring and summer still prime seasons to jump into the market? Dale Vermillion joins us for insight on today's real estate and mortgage trends. Dale Vermillion is the author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home. This book covers everything you need to know about securing a mortgage—all from a biblical perspective.Is Spring Still a Seller's Market?While spring and summer are still active seasons, seasonality in real estate isn't what it used to be. The rise of online listings means people shop for homes year-round. However, warmer weather, the end of the school year, and a desire for fresh starts still push many families to buy and sell during this time.There's a lot of activity right now. Listings are up over 700,000—33% more homes than last year. And new home sales? Up to 76,000 in just the last 30 days.With more homes on the market and fewer buyers competing, this may be the best opportunity to buy a home since 2021.Selling a Home? Stand Out With These TipsIf you're on the selling side, you'll need more than a “For Sale” sign. Here are a few key steps to rise above the noise:Price your home right from day one. Use recent comps, a professional appraisal, and work with a local agent who knows your area. Stage your home well. With more buyers relying on online home tours and 360° walkthroughs, curb appeal and clean, well-lit interiors matter more than ever. Declutter and simplify. Remove excess items and ensure the space feels open and welcoming—both inside and out.Buying a Home? Here's How to Prepare WiselyFor starters, you need to understand that pre-approval is not the same as pre-qualification. Pre-qualification is often based on unverified info. You want a full pre-approval, where your application, income, credit, and down payment are all verified.This not only makes your offer more attractive to sellers but also helps you understand what you can realistically afford. And that's the other key point—know your budget. Don't rely solely on what a lender says you qualify for.Create a detailed budget based on your actual income and expenses.Consider your long-term financial goals, not just your current desires.Most importantly, pray about your decision. Ask God for wisdom and peace before making such a significant commitment.What About Mortgage Rates in 2025?Many are still waiting for interest rates to drop—but experts say don't hold your breath.The Fed rate may drop a few times this year, but that mostly affects short-term debt like credit cards and auto loans. Mortgage rates, on the other hand, are driven by the 10-year Treasury note.As inflation eases, mortgage rates may follow, but they're expected to remain relatively stable for now.If you're a buyer, now could be the right time to act, with high inventory and lower competition. But as always, make sure your decision is rooted in financial wisdom and prayerful dependence on God. Only buy what you can afford, and trust the Lord through the process.On Today's Program, Rob Answers Listener Questions:I just retired and received a $20,000 check. I'm not sure what I should do with this money. I have a Roth, some savings, an annuity, and a 401(k), but I haven't talked to a financial planner about my current financial status. What should I do with this $20,000?I write one check every Sunday to tithe to my church. If everything goes electronic, I don't know how to track it.As I get closer to having my home paid off, I would like to know if it's better to keep an outstanding balance on my mortgage to maintain the mortgage credit and homestead credit for property taxes, or just pay off the home and deal with increased taxes.Years ago, when we were leading classes with Howard Dayton, our group discussed how collecting offerings at church feels very personal. When the offering basket is passed and a deacon holds it, we almost see it as Jesus' hand holding out the basket. It becomes a very personal act of giving, almost like giving directly to Jesus himself. I'm curious how many people over 65 still write a lot of checks.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Bankrate.comChristian Community Credit Union (CCCU)An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenNavigating the Mortgage Maze: The Simple Truth About Financing Your Home by Dale VermillionWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode of Tax Tuesday, Eliot Thomas, Esq. is joined by Anderson CPA Barley Bowler. They explain how transfer-on-death titles still provide beneficiaries with stepped-up basis advantages and clarify that short-term rentals don't qualify for real estate professional status. You'll hear proper entity structures for rental properties, recommending against holding appreciating real estate in C corporations. They thoroughly explain the 280A "Augusta Rule" that allows tax-free rental income from personal residences to your business for up to 14 days annually. With input from bookkeeping expert Troy Butler, they recommend QuickBooks Online for tracking rental property finances. Additionally, they cover Roth IRA conversions, tax withholding strategies, and 1031 exchange rules for deferring capital gains.   Submit your tax question to taxtuesday@andersonadvisors.com Highlights/Topics: "When a house is under a transfer on death title, does the beneficiary still get a step-up in basis?" - Yes, they still get a stepped-up basis. "If I already qualify as a real estate professional rep status via short-term rentals and add long-term rentals to the mix. Can I lump the two kinds together? And does having an S corporation that manages everything affect my rep status?" - Short-term rentals don't qualify for REP status. S-corps generally don't affect REP status. "Where real estate properties are in individual LLCs, disregarded and owned by my C corporation, does the C corporation maintain one bank account and collect rent for all individual properties?" - Not recommended. Use a management company instead. "If you get started in wholesaling, should you file as an S corporation?" - Yes, use S or C corp. "What kind of bookkeeping is needed for rental real estate? Do you have any bookkeeping software to suggest?" - QuickBooks Online is recommended. Track properties separately. "When doing an IRA to Roth conversion, are there any limits? Are pre-tax conversions always treated as ordinary income? Is it true that the IRS does not know or care when the conversions were done during the year?" - No limits. Yes, ordinary income. IRS treats as earned throughout year. "How does tax work if a business owner is paying himself as an employee, do we have to tax twice? Once for the business income and once as an employee?" - No, payroll is deductible business expense. "How do I do a 1031 exchange? And how do I maximize real estate property depreciation after I do a 1031 exchange? Am I stuck with the previous depreciation rate and amount of the previous property?" - Use a qualified intermediary. Trade up for more depreciation. Resources: Schedule Your Free Consultation https://andersonadvisors.com/strategy-session/?utm_source=can-you-boost-depreciation-after-a-1031-exchange&utm_medium=podcast Tax and Asset Protection Events https://andersonadvisors.com/real-estate-asset-protection-workshop-training/?utm_source=can-you-boost-depreciation-after-a-1031-exchange&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  

Today's episode of Success is Subjective features a conversation between Joanna and Steve Roth. Steve is a licensed clinical social worker, and the Executive Director of The Arise Society – a transition center that supports young adults with digital addictions, mental health challenges, and those who struggle with motivation. While college wasn't optional in Steve's family system, he personally was very eager to begin his post-secondary education upon highschool graduation. With an inclination towards psychology, he set out with a game plan in mind and pursued his undergrad at Plattsburgh State University of New York. Steve's journey to where he is now was anything but cut and dry — taking him on a global pursuit of self discovery and personal development. While he is passionate about his wife, friends, career and those he is able to help, Steve encourages listeners to lean into moments of discomfort - the seasons in life where nothing is as hoped for -  because it's both the good and bad experiences that ultimately lead each individual to where they need to be.Steve's Resources:The Arise SocietyConnect with Joanna Lilley  ALT Fair 2025Therapeutic Consulting AssociationLilley Consulting WebsiteLilley Consulting on Facebook Lilley Consulting on YouTubeEmail joanna@lilleyconsulting.com#TherapeuticConsulting #LilleyConsulting #Successful #YoungAdults #TherapeuticPrograms #Therapy #MentalHealthMatters #Podcast #PodcastCommunity #StudentMentalHealth #TheJourney #SuccessIsSubjectivePodcast #TheUnpavedRoad #PFCAudioVideo #TheAriseSociety 

Sammy Hagar has shared his thoughts on David Lee Roth's recently announced 21-date summer tour, which will see Roth return to the stage performing classic Van Halen songs. With both former Van Halen frontmen now touring in 2025, fans are witnessing a rare moment in rock history where two distinct eras of the band are being celebrated simultaneously. Hagar, who is currently playing Las Vegas with a brand-new residency titled “The Best of All Worlds Stays in Vegas” at Dolby Live at Park MGM. —featuring Michael Anthony, Joe Satriani, and Kenny Aronoff—responded on Instagram, offering his take on Roth's upcoming shows. In his comment, Hagar acknowledged the timing of both tours and reflected on the ongoing legacy of Van Halen's music, emphasizing the excitement of seeing both frontmen bringing Van Halen's sound to stages across the country. Meanwhile, David Lee Roth's 2025 tour marks his return to live performance after several years away, and it's set to deliver his iconic take on the Van Halen catalog with the flair only Diamond Dave can provide. With both Roth and Hagar on the road, and a renewed spotlight on the music of Eddie Van Halen, this summer is shaping up to be a historic tribute to one of the greatest rock bands of all time.

Neeley and Chris are back on THE CLASSIC METAL SHOW, and they're not thrilled! This week, they're talkin' about the bummer of seeing some performers now stuck in chairs. They also suffer through some rough audio of Ann Wilson on the Howard Stern Show. Then, they get into the continuously depressing news about Black Sabbath's final show as Ozzy keeps downplayin' it. And finally, they share some seriously bad footage of David Lee Roth from his M3 gig tonight. Tune in for the unfiltered metal take!Find more metalheads with these hashtags: #MetalPodcast #ClassicRockNews #BlackSabbathTour #DavidLeeRothFail #AnnWilsonStern.rock performers seated, Ann Wilson Howard Stern review, Black Sabbath final tour, Ozzy Osbourne news, David Lee Roth M3 performance, aging musicians, poor audio quality, lowering the bar, awful live footage, honest metal opinionsGet a free Rumble Account so you can comment! https://rumble.com/register/classicmetalshow/Get commercial free versions of our episodes, advance releases and exclusive content by subscribing to Rumble Premium! https://rumble.com/premiumNOTE: Everything said here, and on every episode of all of our shows, are 100% the opinions of the hosts. Nothing is stated as fact. Do your own research to see if their opinions are true or not.

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

This episode covers two often overlooked but critical areas for annuity agents: tracking your numbers and understanding Roth conversions. We explore why consistently monitoring your activity and performance metrics can lead to smarter decisions and better results. Then we break down the value of Roth conversions, how they fit into retirement planning, and why they can be a powerful tool in client conversations. Packed with practical insights, this episode is all about tightening your process and adding more value to every appointment.

We catch up on all the racing and news from IRONMAN 70.3 St George at the weekend. Bev chats to Steve Allende, Co-Founder and CEO of Plasmaide. We discuss the company's involvement in the triathlon community, particularly with elite athletes like Kristian Blummenfelt and Gustav Iden. Steve shares insights into the unique competition that Plasmaide are offering to age group athletes, which offers an opportunity to train with  Kristian and Gustav in Font Rumeu in France and receive physiological testing from Dr Alison Heather. The conversation highlights the benefits of Plasmaide's products, the importance of evidence-based supplements and the exciting future developments for the brand. (0:03:15) – Hayden Wilde injuries update (0:08:04) – Will Anne Haug be in Roth? (0:11:44) – IRONMAN 70.3 St George race review  (0:31:32) – Plasmaide competition (0:35:58) – Steve Allende of Plasmaide LINKS: Plasmaide at https://plasmaide.com.au/ Live Feisty podcast at https://livefeisty.com/podcasts/feistytriathlon/ironman-goes-backwards-special-world-champs-episode/ Plasmaide competition at  https://plasmaide.com.au/pages/prostrainingcomp

Is reviewing your tax return enough or are you missing the bigger picture? In this episode, Tommy and John break down why simply looking at last year's return doesn't cut it, and how projection-based planning connects directly to key financial decisions like Roth conversions, mortgage deductions, and retirement income strategy. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn:  LinkedIn John Mason: LinkedIn TurboTax   Form 2210 – Underpayment of Estimated Tax H&R Block SPECIAL EPISODE: New Client Process & Client Experience

Brian Ross, a product specialist, is focused on his financial future through 401(k) and Roth accounts. After struggling with dropshipping and making just one sale in three months, he found inspiration in the Wake Up Legendary podcast. In January 2025, he reignited his efforts at a Mastermind event and is now selling the Confidence Challenge. He credits his progress to Legendary, his community, and his mentor Bonnie King, believing he is on the right path.

Mel Stubbs is a seasoned financial planner at Christy Capital Management, specializing in helping federal employees navigate the complexities of retirement. With over a decade of experience, Mel stands out for his deep expertise in federal benefits, practical financial planning, and his ability to break down complex topics for everyday listeners. Beyond his advisory work, Mel has built a loyal YouTube following, where he shares actionable financial advice, and is also the author of a book aimed at guiding federal employees through critical retirement decisions. On this episode we talk about: – How Mel made his first dollar (cutting grass) and most recent dollar (book royalties) – The power of niche content creation and building trust online – Key retirement planning decisions for federal employees and beyond – Tax planning strategies: Roth vs. traditional accounts and the impact of future tax rates – Side hustles and second careers for government employees approaching retirement – Asset allocation, diversification, and the role of income-producing investments – Mistakes to avoid with taxable accounts and required minimum distributions – Advice for young people on maximizing Roth contributions and planning for the long term – The complexity of the tax code and how to leverage incentives for better outcomes Top 3 Takeaways 1. Niche content can drive real business results. You don't need a million followers; a dedicated audience-even in the thousands-can lead to meaningful opportunities and income, especially when you're serving a specific need. 2. Tax planning is crucial at every stage. Understanding the difference between Roth and traditional retirement accounts-and making decisions based on your current and future tax brackets-can save you significant money over time. 3. Retirement is about more than money-it's about purpose. Many federal employees use their financial security to launch side businesses or passion projects in retirement, emphasizing the importance of planning for both finances and fulfillment. Connect with Mel Stubbs: LinkedIn: https://www.linkedin.com/in/mel-stubbs-3051a6105 YouTube: https://www.youtube.com/watch?v=tZ0_k5PItPk Website: https://christycapital.com/ For more insights on making, saving, and growing your money, subscribe to the Travis Makes Money podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Sandy and Tricia, chat about a foiled bomb plot at a Lady Gaga concert, Alcatraz reopening as a prison, and David Lee Roth's stage comeback. They also touch on shocking sexual misconduct allegations against Smokey Robinson and his wife. Sandy shares her newfound love for NHL hockey, rooting for the Dallas Stars, while Sandy laughs about a woman suing for being called Darth Vader in a personality test and winning $40,000. The episode is a mix of serious news, personal anecdotes, and fun banter, making for an entertaining listen!Timestamps by PodSqueezeFoiled Bomb Plot at Lady Gaga Concert (00:00:00)  Discussion about a foiled bomb plot targeting Lady Gaga's concert in Rio de Janeiro.Grandparents Disliking Grandkids' Names (00:00:07)  A light-hearted mention of parents' survey revealing grandparents' name preferences.Alcatraz Prison Reopening (00:04:11)  Tricia shares news about plans to reopen Alcatraz as a functioning prison.David Lee Roth's Return to the Stage (00:08:45)  David Lee Roth announces his return to performing and upcoming summer tour dates. Most Streamed Episode of the Podcast (00:11:56)  Discussion about the most popular recent podcast episode titled "The Amazing Alligator Pillow."Smokey Robinson Allegations (00:13:14)  Discussion on sexual misconduct allegations against Smokey Robinson and his wife, with details of the lawsuit.Surprising Allegations (00:14:02)  Tricia and Sandy express shock over the allegations against the Motown legend.Reflections on Trust (00:14:45)  Conversation about the difficulty of believing such allegations against well-known figures.Impact of Age (00:15:01)  Discussion on the challenges of facing allegations at an older age, specifically 85.NHL Playoffs Excitement (00:15:10)  Sandy shares newfound interest in NHL playoffs, particularly the Dallas Stars.Office Personality Test Lawsuit (00:15:56)  Tricia recounts a woman suing her coworker over a Star Wars-themed personality test result.Winning the Lawsuit (00:17:10)  Details on the lawsuit outcome, where the woman won $40,000 for a hostile work environment claim.Office Fun Gone Wrong (00:17:12)  Discussion on the absurdity of the lawsuit and the impact on workplace culture. NHL Playoff Update (00:17:29)  Sandy provides a brief update on the NHL playoff series standings.

Jim and Chris respond to listener emails on Social Security record accuracy, IRMAA repayment options, naming a Trust as an IRA beneficiary, and the Roth 5-year Rule. (12:00) Georgette shares five important Social Security lessons from her family's experience, prompting a PSA-style discussion on earnings record errors, divorce and remarriage rules, survivor benefit delays, and […] The post Social Security, IRMAA, IRA Beneficiary, and the Roth 5-Year Rule: Q&A #2519 appeared first on The Retirement and IRA Show.

Discover the new 401(k) limit for older investors. Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? - Invest in stock ETFs, private equity and digital assets for potential high compounding rates - Asset allocation model with ticker symbols and % to invest -Monthly LIVE investment webinars with Linda, with Q & A -Private VIP Facebook group with daily interaction -Weekly investment commentary from Linda -Optional 1-on-1 tech team support for digital assets -Join, pay once, have lifetime access! NO recurring fees. -US and foreign investors, no minimum $ amount to invest For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional cost. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or have a complimentary conversation to answer your questions. Request a free appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). WANT HELP AVOIDING IRS AUDITS? #Ad Stop worrying about IRS audits and get advance warning at Crypto Tax Audit, here. PLEASE REVIEW THE PODCAST ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed   PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". After you purchase the book, go here for your Crypto Book bonus: https://lindapjones.com/bookbonus PLEASE LEAVE A BOOK REVIEW FOR WEALTH BOOK Leave a book review on Amazon here. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) Available for purchase on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics. SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (Some links are affiliate links. There is no additional cost to you.)

CEO of The Onion Ben Collins joins Roth to talk about running The Onion. How does a private citizen actually buy a long-standing-and-at-the-time-languishing satirical newspaper? Do you just sit there and clap your hands as they make jokes? How do you stand back up beloved bits and programs in the media landscape of 2025? And Ben shares two important pieces of information: how he got flown out to Dallas and interviewed Eduardo Nájera as a pre-teen and how to eat a chop suey sandwich.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 AboutTrump Announces SEAL Team 6 Killed U.S. Protester In Daring Overnight Raid - The OnionTed Leo and the Pharmacists - (Tears for Fears) Everybody Wants to Rule the WorldFunny Because It's True: How The Onion Created Modern American News SatireSalem's Chop (Suey Sandwich)Sponsors- Blueland, where you can get 15% off your first order at https://blueland.com/distractionCredits- Hosts: Drew Magary & David Roth- Producer: Eric Silver- Editor: Brandon Grugle- 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.