Podcasts about Roth

In this episode of Talking Real Money, Don and Tom dive into the latest crypto chaos, pushing back against Ric Edelman's bold prediction that ETFs will vanish within five years due to tokenization. They explain why that claim is both misleading and premature. Callers ask about tax shelters disguised as life insurance, sketchy “Tax Act 2020” gimmicks, trust issues with advisors, and the realities of Roth conversions and the pro-rata rule. They also revisit the case for holding Bitcoin—and why it's still mostly a speculative play, not a currency. As always, the tone is skeptical, the advice is candid, and the laughs are real. 0:04 The investing world is full of nonsense, and it's our job to help you navigate it. 1:11 Vacation shaming and industry cynicism: Who's out to mess with your head for money? 2:06 Ric Edelman's latest: ETFs will vanish in 5 years due to tokenization. Really? 3:15 Explaining blockchain and why it's not replacing ETFs anytime soon. 5:14 Tokenization = new gimmicks, more “opportunities” to come for your money. 6:47 Appella ad: FFR—Financial Flinch Reflex. Side effects may include peace of mind. 7:48 Why tokenized securities are still a regulatory mess waiting to happen. 9:04 Caller Karthik: Insurance guy pitching Code 7702 “tax-free income” plan. Nope. 10:29 Explaining how life insurance gimmicks really work (and why they're awful). 11:39 Karthik's “Tax Act 2020” pitch = tax shelter scam with distressed bonds. 13:00 Don't fall for tax-first pitches. Build a plan, not a loophole. 14:31 Most financial pros aren't fiduciaries—skepticism is essential. 16:01 “Don't trust until you verify.” Reagan said it. So did we. 16:49 How to ask questions: phone, email, voice recordings. 17:48 Caller David: If Bitcoin is hoarded, how can it be useful? 18:59 Answer: Greater Fool Theory. Crypto is speculation, not utility. 20:38 Bitcoin has finite supply… but still doesn't work like a true currency. 22:08 Bitcoin's two real uses: speculation and shadowy transactions. 23:15 For Bitcoin to be a true currency, it must be widely accepted. It's not. 24:48 Caller Ellen: Trust issues with her advisor—she feels ignored. 25:30 She pays 1%, holds Schwab ETFs, and gets canned responses. 27:27 Communication is key. Cost may be fair, but service is falling short. 28:42 Good advice starts with you, not a pitch. Her guy sounds like an AUM chaser. 31:39 Advisors matter in retirement too—good ones prevent dumb mistakes. 32:55 Ellen asks: do fees still make sense once I start withdrawing money? 34:44 Caller Bill: Confused about the pro-rata rule for Roth conversions. 36:24 Quick pro-rata explainer: if your IRA is mixed, you pay taxes proportionally. 37:10 If you're willing to pay tax on the full amount, IRS is fine with that. 38:36 “Just 86 the whole thing” – don't sweat a few grand in basis from 1987. Learn more about your ad choices. Visit megaphone.fm/adchoices

We hear a lot of the same questions when it comes to money—because navigating your finances isn't always straightforward. In this episode, we're answering some of the most common things people ask us, from budgeting basics to feeling stuck or overwhelmed. Whether you're just starting out or reevaluating your financial habits, this conversation is a reminder that you're not alone—and there are simple, practical steps you can take to move forward. 00:39 Viewer Questions: Financial Strategies 01:36 Question 1: Saving and Retirement Planning 05:39 Question 2: Paying Off Mortgage vs. Investing 09:38 Question 3: Raising Financially Responsible Kids 19:38 Question 4: Roth vs. Traditional IRA 29:39 Wrapping Up and Final Thoughts

In this episode of the Power of Zero Show, David McKnight looks at headlines, such as those from Vanguard, BlackRock or Morningstar, that have predicted a dismal forecast for stock market returns over the next decade. Since such articles predict 4-5% annual growth for the next decade, many investors are pondering whether they should take some chips off the table. Back in 2015, those same institutions and companies stressed that valuations were too high and that, since the markets had a great run, it couldn't possibly continue anymore. Vanguard forecasted 4-6% returns, BlackRock predicted 4.5-5% returns, while Research Affiliates predicted an anemic 1.5-2% returns. However, from 2015 through 2024, the S&P 500 posted a Compound Annual Growth Rate (CAGR) of roughly 11.9% - proving those predictions wrong! In fact, such forecasts by stock market research institutions turned out to be off by 5-6%.  David believes that financial institutions making failed predictions about the future of the stock market isn't just the exception, it's the rule. In the 2015-2024 timespan, we had a global pandemic that shut down entire economies, interest rates fell to zero, then spiked in record time, massive government stimulus, a tech boom, a crypto craze, and the rise of AI. - How many of those events could have been predicted in 2015? David doesn't recommend putting too much stock in long-term market forecasts by large financial institutions because, even if they might be well-researched, they're still guesses. For David, you shouldn't let fear drive your investment behavior. Not only should you stay invested over the next 10 years, but you should focus on investing inside tax-free accounts. Think about a balanced, comprehensive tax-fee approach that takes advantage of every nook and cranny in the IRS tax code.  David refers to tools such as Roth IRAs, Roth 401(k)s, and some properly structured cash value life insurance policies like Indexed Universal Life. What drives long-term stock market returns? “It isn't predictions, emotions, or headlines, it's innovation and productivity. If you look around, you can see that those things are accelerating, not slowing down,” says David.     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 Vanguard BlackRock Morningstar Research Affiliates S&P 500 Warren Buffett

Stefan Contorno   Sun, Jul 13, 1:45 PM     to me                 Welcome to The Key Ingredient Podcast! Hey everyone, and welcome back to The Key Ingredient Podcast, the show that brings you the secret sauce behind incredible success stories. Today, we're taking you on a journey to the vibrant heart of Miami's hospitality scene. I'm thrilled to have with me a true visionary in the restaurant and nightlife world: Alan Roth, one of the brilliant minds behind two of Miami's hottest spots, Giselle and Rosa Sky Rooftop. In this episode, Alan opens up about his remarkable entrepreneurial journey. We'll delve into the captivating story of how Giselle and Rosa Sky came to be, from initial concept to bustling reality. And for all you aspiring business owners out there, Alan shares invaluable insights into what it truly takes to carve out a successful path in the incredibly dynamic and competitive hospitality industry. Get ready to be inspired, gain some serious business wisdom, and maybe even get a little hungry! Let's dive in.

The final version of the One Big Beautiful Bill Act left most federal benefits untouched—but it did introduce several new tax provisions that could impact how Americans save, contribute, and plan for retirement. From catch-up contributions to Roth conversions, the fine print could mean big changes for your financial future. To help us make sense of it all, we're joined by Thiago Glieger, a wealth advisor with RMG Advisors.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Before we dive into today's episode of Sell With Authority, I want to make sure you know about our July Intensive. Every March, July, and November we gather our Predictive ROI clients together for a 2-day event we call the Intensive. It's a private, client-only event — but we always hold a few guest seats open. Our July Intensive is happening Wednesday and Thursday, July 30th and 31st, from 8:30 a.m. to 12 noon Central — and it's 100% virtual over Zoom. The focus? Helping you fill your sales pipeline so you can sell more of what you do. Turning our attention to this episode — my guest expert and I mapped out what we wanted to cover. We thought about how to structure this episode as a strategic prelude to the Intensive. We're unpacking core pillars we'll be teaching — including what it means to build your right-fit prospect map and how to run sales calls that create real momentum. That guest expert is our very own Director of Strategy Hannah Roth. Hannah is a data scientist by trade, and she runs point on helping our clients sell more of what they do. Now's the time to double down on a strategy that isn't just about new leads — but about future-proofing your agency through relationships you've already built. What you will learn in this episode: The biggest missed sales opportunities most agencies overlook How a right-fit prospect map changes the game The cause-and-effect of focusing biz dev on new prospects vs. current or past clients Simple but powerful tactics to turn lost deals and past clients into new revenue streams Why “by name” — not guesswork — matters How to fix common money-draining mistakes that kill your sales pipeline The role of trust and distrust in today's market — and why nurturing your orbit matters more than ever How to confidently open doors with tactics that don't feel “salesy” How you can join the July Intensive as our FREE guest Resources: Website: www.predictiveroi.com Visit our newly expanded Resource Library Join us in our free How to Fill Your Sales Pipeline Facebook Group Hannah's LinkedIn: www.linkedin.com/in/hannah-roth-387a6b223/ Order your free paperback or Kindle copy of our Book: Sell with Authority

Send us a textWhen my 15-year-old godson Luka started peppering me with financial questions at a family gathering, I knew we had the makings of something special. What followed was an authentic, unfiltered conversation that captures the financial curiosity of today's teens and provides straightforward guidance that listeners of any age can apply to their own financial journeys.Luka, already thinking beyond his years, arrives with thoughtful questions about building wealth from a young age. We explore the fundamentals of good money habits – from the simple yet powerful act of budgeting to the surprisingly effective "20% rule" for saving. You'll hear how small actions like mental math at fast food restaurants can build financial awareness, and why getting a job as a teenager creates lasting financial discipline.The conversation takes fascinating turns through investment basics, with clear explanations of the S&P 500, diversification strategies, and the crucial differences between Roth and traditional IRAs. I share personal stories from my own investment journey, including the revelation that "if I started investing at 15, I would have been ahead of where I am now" – a powerful testament to the advantage young investors have through compound interest.Perhaps most valuable are the reality checks. When Luka asks about real estate investing, I pull back the curtain on my own experiences – from barely breaking even on property flips to dealing with tenant nightmares including a police raid for marijuana distribution. These candid stories illustrate that wealth-building isn't always as simple as internet gurus might suggest.Whether you're a teenager just beginning to think about money, a parent looking for ways to discuss finances with your children, or someone at any life stage wanting straightforward financial guidance, this conversation offers accessible wisdom without the jargon. Listen in, and take away practical strategies to strengthen your financial foundation today.Support the showDid you know you can now Help Us Continue Making Awesome Content for Listeners Affected by Grief!Thanks for listening! Follow us on twitter or follow us on Facebook. You can also find us on LinkedIn.

In today's episode, we break down a viral TikTok retirement hack for kids, explore the unexpected benefit of working with a financial advisor (according to Vanguard), and uncover a powerful mindset shift that makes people 14% more likely to save for retirement. Whether you're planning for your future (or your child's) this episode connects trends, research, and real strategy. Take control of your financial future: https://www.btwealthshow.com/start-planning Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.  Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.  Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Asset allocation does not ensure a profit or protect against a loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.  All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Curated with love and intention, the debut release from @nataliaroth's vinyl-only label @melodieofc is now available at @yoyaku, featuring a tight-knit circle of artists. Read more @ feeder.ro/2025/07/30/natalia-roth-end-of-the-line

This is Summer of Trinity - a daily description of events in the summer of 1945, touching points around the world but centered (as that summer was) on the Trinity nuclear test.  This episode has daily events for the week ending Saturday July 28th, 1945. Sunday, July 22,1945 - 6 Days After Trinity From Stimson's diary, excerpts on http://www.doug-long.com/stimson8.htm   Monday, July 23,1945 - 7 Days After Trinity Marshall Philipe Petain is put on trial for treason. https://en.wikipedia.org/wiki/Philippe_Pétain https://www.imdb.com/title/tt0034583/goofs?item=gf6476041 https://www.britishpathe.com/video/VLVAAZ495DZU8UIV501CI3L12J1LY-THE-1945-TRIAL-OF-PHILIPPE-PETAIN/query/wildcard   Tuesday, July 24,1945 - 8 Days After Trinity https://en.wikipedia.org/wiki/Attacks_on_Kure_and_the_Inland_Sea_(July_1945) http://www.ussunderhill.org/html/kaiten_information.html http://www.ussunderhill.org/html/sorryno.htm Nathan G. Benchley, in an article written for the New Yorker in 1953, mentions a conversation about current attitudes towards the war.  "Who's winning the war?" Roth asked me as I came in. "Search me," I said, and sat down. "I heard that in Guam the birdmen have a pool on it," Tampke said. "They got a million-dollar pool that says the war will be over by October. You can dip into it for any money you want." "Did they say October what year?" I asked. "I don't know," Tampke replied. "I just heard October."   Wednesday, July 25,1945 - 9 Days After Trinity An official bombing order is made for the first atomic weapon:  From http://www.dannen.com/decision/handy.html Thursday, July 26,1945 - 10 Days After Trinity https://en.wikipedia.org/wiki/Potsdam_Declaration https://en.wikipedia.org/wiki/Mokusatsu  Friday, July 27,1945 - 11 Days After Trinity https://ancientwarhistory.com/the-final-days-of-imperial-japan-the-potsdam-declaration-soviet-intervention-and-japans-surrender/ https://www.trumanlibrary.gov/library/truman-papers/correspondence-harry-s-truman-bess-wallace-truman-1921-1959/july-27-1945 Saturday, July 28,1945 - 12 Days After Trinity https://en.wikipedia.org/wiki/1945_Empire_State_Building_B-25_crash https://en.wikipedia.org/wiki/Aioi_Bridge https://en.wikipedia.org/wiki/Hiroshima_Peace_Memorial Note: Dobashi is near to Koamicho https://en.wikipedia.org/wiki/USS_Callaghan_(DD-792)    

durée : 00:02:55 - Visites guidées autour du patrimoine de Haguenau - À Haguenau, le patrimoine se découvre aussi à pied, et avec passion. Christian Roth, bénévole engagé depuis quatre ans, propose cet été une série de visites guidées qui vous emmènent à la rencontre d'un passé aussi riche qu'émouvant. ICI Elsass lui donne la parole, avec Visit.Alsace Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

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In this episode, Andy Hill sits down with LendingTree's Matt Schulz to break down the real price tag of parenting in 2024 (spoiler: nearly $300K!). They cover rising childcare costs, smart savings strategies, and how your budget can survive the baby years. Then, financial planner Madison Sharick shares how she and her husband hit Coast FIRE in their 30s — while raising two young kids!

The 2017 tax cuts are no longer temporary. The Big, Beautiful Bill has locked in some provisions while introducing new rules, revised deductions, and expiration dates that affect income, charitable giving, estate planning, and retirement strategies. In this episode of Protect Your Assets, David Hollander discusses: Changes to tax brackets, deductions, and exemptions beginning in 2025 and beyond How new rules may affect charitable contributions, gifting, and capital gain planning Key considerations for trusts, Roth conversions, and required minimum distributions Recent developments in stablecoins and crypto legislation This episode highlights timelines and considerations to discuss with your financial, legal, or tax professional as you review your own plan. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

The One Big Beautiful Bill Act, signed into law on July 4th, brings about several important tax changes. I'm discussing what these updates mean, especially for retirees, and sharing practical advice on how to take advantage of new deductions and avoid unexpected tax hits.  From permanent adjustments to tax brackets and an increased standard deduction, to special benefits for those aged 65 and older, I cover everything you need to know to optimize your retirement strategy. Whether you're curious about Social Security taxation, itemized deductions in high-tax states, or planning smart Roth conversions, this episode is packed with insights to help you make informed financial decisions for your golden years. You will want to hear this episode if you are interested in... [00:00] An overview of the One Big Beautiful Bill Act (OBBBA). [06:13] Roth conversion tax implications. [07:29] Additional deductions for those over 65 increase total deductions. [11:35] TCJA and SALT deduction changes. [13:43] Strategies to lower taxable income for retirees. Key Tax Changes Every Retiree Needs to Know About the One Big Beautiful Bill Act One of the most impactful provisions of the OBBBA is making existing federal income tax brackets permanent. The 2017 TCJA tax brackets —10%, 12%, 22%, 24%, 32%, 35%, and 37% —had been set to expire after 2025, which would have led to higher rates. The new act not only locks these rates in place but also indexes the brackets for inflation. While there are minor changes in the income thresholds at the lower brackets, the net result is stability for taxpayers, and retirees can now plan with confidence, knowing their marginal tax rates aren't set for an imminent hike. Higher Standard Deductions Standard deductions also see positive changes, rising to $15,750 for individuals and $31,500 for married couples filing jointly. Previously, these figures were $15,000 and $30,000, respectively. With higher deductions, more retirees may find it beneficial to take the standard deduction rather than itemizing, saving time and potentially reducing taxable income. Extra Deductions for Retirees 65+ Perhaps the most significant impact for retirees: From 2025 through 2028, filers aged 65 and up can claim an additional $6,000 deduction per person. For couples where both spouses are over 65, that's a $12,000 boost, on top of the already existing extra deduction for seniors ($2,000 for individuals, $3,200 for couples). So, if both spouses are over 65 and income is below the required threshold, the combined standard deduction could reach $46,700. There is a catch, though: this extra deduction phases out as income rises, disappearing entirely for individuals making $175,000 or more and couples earning $225,000 or more in modified adjusted gross income (MAGI). The deduction is reduced by 6% for every dollar over $75,000 (for individuals) or $150,000 (for couples). For example, if a couple's MAGI is $200,000, they'd lose $3,000 of the $6,000 deduction per spouse. Timing IRA distributions or Roth conversions helps you stay under these thresholds and maximize deductions. Social Security Taxation Although there was political talk about ending Social Security taxation, the OBBBA preserves the old rules. How much of your Social Security benefit is taxable depends on your combined income, still calculated as adjusted gross income plus 50% of your Social Security benefit. The deduction enhancements may help lower your taxable income, keeping more Social Security benefits untaxed, but there are no direct changes here. Being mindful of when and how you draw taxable income can keep more of your Social Security out of the IRS's reach. Itemized Deductions and SALT Cap Changes For high-tax state residents and those with larger itemized deductions, another headline is the increase in the state and local tax (SALT) deduction cap. Temporarily, from now through 2029, the cap rises from $10,000 to as much as $40,000 (with phase-outs for high earners, those over $500,000 in MAGI lose this benefit, and it disappears after $600,000). This can provide significant relief for homeowners or retirees in states with high property or state income taxes. The mortgage interest deduction rules remain unchanged, and when combined with the higher SALT cap, could make itemizing more attractive for some. The One Big Beautiful Bill Act creates opportunities and considerations for retirees. Take the time to review your financial plan, explore new deduction limits, and coordinate with tax and financial professionals. Thoughtful adjustment now can lead to years of improved after-tax retirement income.  Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Is $5 million really the magic number for retirement? In this episode of Success in the New Retirement, Damon Roberts and Matt Deaton break down what truly matters—your income needs, not arbitrary savings goals. They share real client stories, explain how to bridge income gaps with smart strategies like Roth conversions and structured notes, and reveal why efficient income planning can help you retire sooner and with more freedom. Whether you're behind on savings or ready to optimize your nest egg, this episode offers practical steps to build a retirement plan that works for you. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

On this episode of  Simply Money, Bob and Brian kick things off with Allworth Chief Investment Officer Andy Stout breaking down the new U.S.-EU trade deal—what it means for tariffs, global markets, and your portfolio. Then, they dive into the Fed's upcoming rate decision, and why earnings season could give the central bank the clarity it's been waiting for. Is a September rate cut back on the table? The conversation shifts to Wall Street's rising speculative fever—think call options, meme stocks, and Krispy Kreme. Bob and Brian discuss the warning signs and what disciplined investors should do right now, especially when tech and AI positions have ballooned. Finally, they wrap up with a practical guide to cash management, comparing CDs, treasuries, and money markets—plus how direct indexing and Roth conversions can offer better tax outcomes.

What if your retirement plan could turn taxes into opportunity? In this episode, Kevin Madden breaks down how recent tax law extensions open the door for strategic Roth conversions and smarter estate planning. He also weighs in on the risks of over-relying on the “Magnificent Seven” tech stocks and explains why now might be the time to lock in high annuity rates. Plus, a candid look at why so few people work with financial advisors—and why that could be a costly mistake. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

What if your inheritance could grow tax-free for a decade? In this episode, Art McPherson breaks down the power of Roth IRAs, the impact of inflation on retirement, and how to avoid costly mistakes when receiving a windfall. From market volatility to mid-season tax planning, Art shares practical strategies to help you protect your future and make smarter financial decisions—whether you're retiring early or just getting started. Plus, a few laughs about sticker shock, bubble tape, and the true cost of a kiss. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

The 2017 tax cuts are no longer temporary. The Big, Beautiful Bill has locked in some provisions while introducing new rules, revised deductions, and expiration dates that affect income, charitable giving, estate planning, and retirement strategies. In this episode of Protect Your Assets, David Hollander discusses: Changes to tax brackets, deductions, and exemptions beginning in 2025 and beyond How new rules may affect charitable contributions, gifting, and capital gain planning Key considerations for trusts, Roth conversions, and required minimum distributions Recent developments in stablecoins and crypto legislation This episode highlights timelines and considerations to discuss with your financial, legal, or tax professional as you review your own plan. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

From choosing between term and whole life insurance to deciding whether to rent or buy, Josh breaks down real-life scenarios and offers practical tips. He also discusses meme stocks vs. 401(k)s, the value of working with a financial advisor, and the overlooked risks in estate planning. Plus, learn about Roth conversion strategies, protecting your wealth, and how to align your investments with your values. Can't get enough of The Financial Quarterback? Click ‘Subscribe' so you never miss a play. If you're enjoying the show, leave a 5-star rating and drop a review—it helps keep the game going!

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss a real-life retirement planning case study featuring a fictitious couple, John and Jane, who are 55 and aiming to retire at 62. With $2 million in savings, they're asking the question so many do: Can I retire early and still live comfortably? Using advanced financial planning tools, they break down how income, Social Security timing, healthcare, taxes, and investment decisions work together to determine the answer. Whether you're dreaming of early retirement or refining your retirement strategy, this episode walks you through how to analyze your own plan.Listen in to learn about how a structured, tax-efficient financial plan can help you retire early—even with market volatility and rising healthcare costs. Through this case study, Radon and Murs reveal the strategic decisions behind a successful transition into retirement, including Roth conversion strategies, required minimum distributions (RMDs), and how to manage income during Social Security gaps.In this episode, find out:· How to retire at 55 with 2 million and what that lifestyle really looks like· Why the retirement planning at 55 stage is crucial for tax and investment decisions· The role of Social Security timing and how it impacts your portfolio withdrawals· How to use a Roth conversion strategy during low-income years to reduce long-term taxes· Why healthcare costs and Medicare planning must be part of your early retirement planTweetable Quotes:“The question is never just ‘Can I retire?'—it's ‘Can I retire and still live the way I want to?'” — Murs Tariq“Tax strategy in retirement isn't optional—it's essential if you want to keep more of what you've saved.” — Radon StancilResources: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

We catch up on the tri news and the racing from the weekend. Tim chats to James Elvery, CEO and Co-Founder of Race Ranger about data transparency, innovations in race management and the future of Race Ranger technology. They explore the importance of fairness in qualification processes and how to enhance the athlete experience. The discussion also touches on the upcoming developments in live data release and the implications for the sport. (0:01:37) – Anne Haug announces her retirement (0:03:24) – Tour de France (0:10:55) – SuperTri  (0:20:48) – IM703 Boise (0:26:02) – IM Leeds (0:28:36) – Race Ranger data from Roth (0:31:46) – James Elvery Race Ranger (0:56:52) – Separating the age group ranks with Race Ranger LINKS: Race Ranger at https://www.raceranger.com/ IRONMAN 70.3 Boise at https://www.ironman.com/races/im703-boise IRONMAN Leeds at https://www.ironman.com/races/im-leeds SuperTri Toronto at https://supertri.com/events/toronto-2025/

This week, Brian and Jeremiah dig into one of the biggest mistakes they see from investors—sitting in too much cash out of fear. They talk through why holding back might feel safe but often leads to regret, missed opportunities, and slower retirement progress. They also break down today's weird market conditions: strong indexes, mixed economic data, and why consumer confidence still feels shaky despite record highs. Plus, they take on common listener questions—like how to deal with rising insurance premiums, whether real estate still makes sense, and how to stop overthinking every market dip. They also take listener calls and dive into real-world planning questions: • Should you wait to invest until after the election? • When do Roth conversions make sense? • How should real estate affect your tax plan in retirement? • Are annuities a good idea for monthly income—or a trap?   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— 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 —————————————————————

Thinking of stepping away from work for a few months—or even a year? You're not alone. In this episode of Five Minute Finance, Mike Morton and Matt Robison break down the rising trend of sabbaticals and gap years among mid-career professionals.They explore how to financially and emotionally prepare for extended time off, covering everything from sabbatical funds and health care planning to taking advantage of low-income tax strategies like Roth conversions. They also dig into the psychology of identity and burnout, sharing tools like “fear setting” and emphasizing the power of experiences over stuff. Whether you're craving rest, reinvention, or just a break from the grind, this episode offers a practical roadmap to make it happen—no bank heist required.Are you ready to create your ideal lifestyle? Let's Connect.Learn more about Mike and my services at https://www.mortonfinancialadvice.com and connect at https://www.linkedin.com/in/mwsmorton/

Poznáte jeho texty – teraz ich budete môcť aj počuť.Každú nedeľu vo svojej podcastovej aplikácii nájdete trochu iný formát Dobrého rána – Roth číta Marca.Eseje a komentáre publicistu Sama Marca v podaní herca Roberta Rotha.Načítaný text: https://komentare.sme.sk/c/23520588/fico-sutaj-estok-danko-svata-trojica-babrakov-pise-samo-marec.html–Všetky podcasty denníka SME nájdete na⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ sme.sk/podcasty⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠–Odoberajte aj audio verziu denného newslettra⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SME.sk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ s najdôležitejšími správami na⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ sme.sk/brifing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

On this week's Money Matters, Scott and Pat tackle real-life financial questions from listeners across the country. From a 74-year-old millionaire navigating Roth conversions and legacy planning, to a military retiree wondering if he's behind financially—this episode covers the full spectrum of money challenges. Plus, insights on private investments sneaking into 401(k)s and the financial upside of flying business class. Honest, helpful, and always practical. 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.

Chris is joined by Jake and Jacob to answer listener questions on Social Security, followed by a PSA about unexpected Social Security payment timing, then additional questions on transition planning, asset positioning across account types, weighing Roth conversions against the senior deduction, and planning around IRMAA.(6:15) George asks what percentage of taxes he should have […] The post Social Security, Transition Planning, Positioning, Roth Conversions, IRMAA: Q&A #2530 appeared first on The Retirement and IRA Show.

Strap in for another electrifying journey on Your Retirement Highway! In this episode, Kyle Jones and Matt Allgeyer of FYRA Capital Management are in the driver's seat, ready to unveil the hidden gems within your 401(k) plan that you never knew existed. Whether you're just starting to plan or nearing retirement, this ride promises invaluable insights that will keep you on the edge of your seat. But wait, there's a special passenger onboard—meet Trey Marks, a bright finance student, getting a first-hand glimpse of the world of financial advising. You won't want to miss the humorous banter and real-life stories that make this journey an absolute must-listen!Are you truly maximizing your employer's 401(k) match, or are you leaving money on the table? Our hosts dive deep into the strategies that ensure you're not just another face in the retirement crowd. From tackling the age-old debate of traditional versus Roth 401(k) contributions to understanding why your emotional resilience might be your most significant asset, this episode touches on every angle. And remember, as Kyle and Matt love to say, “What you don't know about retirement could cost you.” So, plug in and let's hit the retirement road together—this is one stop you won't regret!

“Train up a child in the way he should go; even when he is old he will not depart from it.” - Proverbs 22:6As parents, we often wonder when to begin teaching our kids about money. The simple answer? It's never too early. In fact, a study by Purdue University found that most of our lifelong money habits are formed by the age of seven. That's a sobering realization—but also a hopeful one. Because with intentionality and biblical wisdom, we can help our children become faithful stewards from an early age.Here's how to begin—step by step.Ages 3–5: Needs, Wants, and WorshipEven toddlers can begin to understand the basics of money. Start by teaching the difference between needs and wants. A home, food, and clothing? Those are needs. But that cereal with a cartoon character? That's a want—and a perfect conversation starter.As you shop, ask your child to name which items fall into which category. Then take the opportunity to remind them: God provides all our needs and blesses us with more than we deserve.Begin using the three-jar method—one for spending, one for saving, and one for giving. When your child receives birthday money or a small allowance, help them divide it equally. Let them drop their “giving” portion into the offering plate each week. It's a simple but powerful way to connect generosity with worship.Ages 6–10: Responsibility and Short-Term GoalsAt this stage, kids are ready to take on more responsibility. Assign small chores tied to a modest allowance. If they complete the job, they earn the money. If not, the allowance waits. It's a simple lesson in accountability and work ethic.If they want something beyond their current funds, help them create a short-term savings plan. Use sticker charts or visual trackers to make progress fun and tangible.Give your child a few dollars and let them plan how to spend it on snacks for the week. This is a great way to teach a foundational principle from financial teacher Ron Blue:“You always have more choices than money.”Encourage your child to give regularly to causes they care about. Ask why they want to give—and help them understand how giving reflects God's heart.Ages 11–15: Bigger Goals, Delayed GratificationNow your child may be babysitting, mowing lawns, or doing small jobs for neighbors. It's the perfect time to talk about larger savings goals—maybe a new bike or a camp trip.Consider opening a custodial savings account or using a kid-friendly money app. Walk through monthly statements together and celebrate milestones. Let them make decisions (and occasional mistakes) while you're close by to guide them.If they want to buy something online, encourage them to wait a few days, compare options, and pray before making a purchase. The lesson is clear: patience often leads to better decisions.Ages 16–18: Real-World Practice and Investing BasicsTeenagers who are working part-time jobs are ready for more advanced money management.Help them set up a formal budget with real income and categories for saving, spending, and giving. This is also a good time to introduce matching incentives: If they save $500, you match it, just like an employer's 401(k) might.Let them research a company and buy a fractional share through a custodial brokerage account. If they have earned income, consider opening a Roth IRA to model long-term investing.Remind them: Markets go up and down, but faithful stewardship builds wealth over time.The Ultimate Goal: A Faithful StewardReinforce this truth: Their worth isn't tied to their net worth. All we have is a gift from God to be managed for His glory, not our own.No matter your child's age, the goal remains the same: to raise someone who knows how to earn, manage, give, and grow what God has entrusted to them. You don't have to be a financial expert—you just have to be present and intentional.Keep the conversation going. Keep pointing them to biblical truth. And remember—this isn't just a financial lesson. It's a spiritual one.For more resources on biblical money management and to start budgeting as a family, check out the FaithFi app.On Today's Program, Rob Answers Listener Questions:I'm 58, single, and plan to keep working until I'm 70. I live frugally and want to ensure that my assets are managed wisely and passed on to my four children, especially my youngest. I'm considering setting up a trust, but the $2,000 cost seems steep. Is that the best option for someone like me who wants to ensure everything is protected and appropriately distributed?I'm looking to understand how reverse mortgages work. What kind of interest rates do they typically charge? Do they accrue interest like a traditional mortgage over time? Are there any upfront fees to get started?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) 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.

Don't forget to share this episode with a friend, family member, colleague, or co-worker. Learn more about David by listening to episode 215: Who is David Chudyk and what does he do?

Pablo Torre, host of Pablo Torre Finds Out, shares with Drew and Roth what thing he's found out about lately. For instance, he found out that the NFLPA is a flaming shitwreck! Then, will the NBA gambling stories remain mini-scandals in the public eye right up until the moment that someone openly rigs an NBA Finals? Finally, they open up the funbag to answer real questions from real listeners.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 AboutTurks & Caicos and the SeychellesNFLPA head Lloyd Howell resignationNBA gamblingAll-time great company namesCredits- 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.

The passage of the One Big Beautiful Bill Act has brought us a number of changes to the tax laws. Some changes are "permanent," meaning it would take an act of Congress and the President to change them. Some are "temporary," meaning they expire at some point in the future. Almost all of them can affect how we plan for retirement, particularly when it comes to Roth conversion strategies, tax-gain harvesting, and even traditional retirement account distributions.In this video, I walk through the key tax provisions of the OBBBA, and then cover how they may affect retirement planning.NOTE: ProjectionLab has updated its software to account for the OBBBA tax changeshttps://robberger.com/tools/projectio...ResourcesAndy Panko's article: https://static.twentyoverten.com/5d25...U.S. Bank Tax Bracket article: https://www.usbank.com/wealth-managem...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Spectrum is a vital asset to America's digital infrastructure, but who decides how this resource is distributed? As wireless demand accelerates, what is causing the United States to lag in spectrum policy and oversight? With the recent change in the Big Beautiful Bill to renew auction authority, how can we ensure that spectrum doesn't become a roadblock to future innovation?In this episode, Shane is joined by Harold Furchtgott-Roth, former commissioner of the Federal Communications Commission and currently a senior fellow at the Hudson Institute. They examine the historical reasons behind America's rise—and subsequent decline—in spectrum innovation and discuss the policy reforms necessary to restore American leadership in this vital area.

Don and Tom defend the long-maligned 60/40 portfolio, diving into a 150-year Morningstar study that reveals its lower volatility and emotional survivability—even if it underperforms an all-stock portfolio over time. They tackle fixed indexed annuities head-on, debunking the myth of market returns without risk, citing high commissions, surrender charges, lack of liquidity, and poor transparency. Several listener calls highlight confusion over annuity strategies and Roth vs. pre-tax retirement contributions, including a deep dive from a New York City teacher juggling pensions, 403(b)/457 plans, and Roth conversions under new IRS rules. The show wraps with a playful rant about birthday freebies and a PBS show rec (“Mr. Bates vs. the Post Office”). 0:04 The truth about balanced portfolios and the 60/40 myth 1:50 Why bonds failed in 2022—and what 150 years of history say about diversification 3:27 Bear markets: 60/40 vs. all stocks during crises like the Great Depression 4:53 Trade-offs: long-term growth vs. sticking with the plan 6:49 Financial Flinch Reflex: the PSA ad returns 7:09 Caller John asks: “What's so bad about fixed indexed annuities?” 8:00 Don unloads: high fees, misleading returns, and awful disclosures 10:11 John presses for alternatives: what's safe and simple with decent return? 13:02 Don's CD ladder strategy vs. annuities 15:08 Why opacity, commissions, and complexity make these products unsuitable for most 16:21 Caller Charles: a planner wants to manage his annuity—for a fee 17:21 Why even “fixed” annuities might not belong in fiduciary portfolios 20:47 The growing gray area: commissions vs. fiduciary care 22:17 Ranking annuities: worst to best (indexed, variable, fixed, immediate) 24:58 Summary: “Lazy products” sold for commission, not client success 26:39 Caller Brian: NY teacher strategizes 403(b), 457, Roth, and future pension 28:29 Navigating new Roth rules, Rule of 55, and using a 7% fixed option 30:15 Don and Tom: stick with pre-tax now, convert later in lower-bracket retirement 33:02 Mechanics of Roth catch-ups: plan providers still in the dark 35:29 Birthday freebies! Tacos, cookies, burgers… and existential dread 36:57 Red Robin, Denny's, and the pursuit of the free Grand Slam 38:06 Book chat: Don's still slogging through the Franklin bio 39:13 Must-watch: Mr. Bates vs. the Post Office on PBS Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Jeff sits down with Shauntae Funkhouser, a financial advisor with A4 Wealth Advisors in Huntersville, NC. Shauntae shares her journey from healthcare to finance, her passion for helping clients navigate retirement and complex financial decisions, and her unique specialization in divorce financial planning. She discusses how A4 Wealth offers a comprehensive, in-house approach to financial services—including estate planning, tax strategy, Medicare, and more. Shauntae also highlights the rising trend of "gray divorce" and how her firm, LKN Divorce Finance, supports clients and attorneys with equitable financial separations. The conversation covers key financial trends like tax-efficient investing, Roth conversions, and reverse mortgages—plus a few real estate insights along the way.If you're seeking smart, empathetic financial guidance or curious about retirement and divorce planning, this episode is packed with valuable insights.A4 Wealth Advisors16140 Northcross DrHuntersville, NC 28078(704) 509-1141Lake Norman Finance and Divorce ConsultantsSpecial thanks to:Lake Norman CURRENTS MagazineBusinesses mentioned:Mike Stanley - Victorian FinanceBook mentioned:Unreasonable Hospitality by Will Guidara---------------------------------------------------------------------------------------Lake Norman's #1 Podcast & Email NewsletterThe Best of LKNhttps://thebestoflkn.com/Hosted by:Jeff HammElevate Land & RealtyCharlotte | Lake Norman | High Countryhttps://lknreal.com/Support the show

Finally being ready to retire is a huge milestone. It takes years of planning and hard work. There is nothing worse than feeling like you missed something in all that preparation. Listen in as Ben Utley and Nate Reineke break down whether it is worth it to open a new backdoor Roth account right before retirement. We discuss the factors to consider and how your time will come into play when making that decision. We also answer your colleagues' questions. Social Security: A Pain Management doc in New York is wondering, with everything happening politically, should we take Social Security early since it may go away? And a Psychiatrist in Missouri read the latest federal report that Social Security will run out in the next 8 years. They ask if they should include Social Security in their plan. Emergency Fund: The spouse of a hospitalist in Tennessee says that they have 7 kids, so that's a lot of college to pay for. They also don't have an emergency fund. They're curious about what to put off while building the emergency fund. Paying for private K-12: The spouse of a dermatopathologist in Pennsylvania asks, given the recent 529 rule changes that are coming with the “Big Beautiful Bill,” should I be putting more money in my 529 to pay for private K-12 school? 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

Roger in Canton, Ohio, is burnt out. Can he and his wife Jane pre-retire next year in their mid-50s with $2.8 million? Joe and Big Al spitball on whether they'll still have enough money for their Go-Go years, Joe's favorite, today on Your Money, Your Wealth® podcast number 539. Roger also has an employee stock purchase plan. For the best asset location strategy, should he max out the ESPP at a 15% discount, convert to Roth IRA, build his brokerage account, or a little of all the above? Speaking of asset location, some of our YouTube viewers object to the idea of putting higher performing assets in your Roth account. They say you can't write off the losses and you'll be exposed to sequence of returns risk. Stick around for Joe and Al's response. Free financial resources & episode transcript: https://bit.ly/ymyw-539  DOWNLOAD Why Asset Location Matters for Free CALCULATE Your Free Financial Blueprint WATCH Recipe for Retirement | Retirement Plans Explained on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 02:03 - I'm Burned Out. Can I Pre-Retire Next Year? (Roger & Jane, Canton, OH) 11:46 - Watch Recipe for Retirement | Retirement Plans Explained on YMYW TV and Calculate Your Free Financial Blueprint 12:50 - Would You Rather for Asset Location: Roth vs. Brokerage? Roth vs. ESPP with 15% Discount? (Roger & Jane, Canton, OH, cont'd) 21:08 - Higher Performing Assets in Roth Exposes You To Sequence of Returns Risk and You Can't Write Off  The Losses (YouTube comment) 24:54 - Next Week on the YMYYW Podcast 25:27 - Download Why Asset Location Matters for Free

Don and Tom highlight what may be today's biggest stock market bargain: small-cap value stocks, which have drastically underperformed large-cap growth and now appear poised for long-term reversion to the mean. They explain why chasing big winners like Nvidia and Apple could backfire, and why broad diversification with a tilt toward small and value still makes sense. Callers get help with tax drag from old mutual funds, switching from expensive active funds to ETFs, household asset allocation, Roth conversions, and whether to sell a large single-stock inheritance. The show wraps with a well-deserved swipe at Jordan Belfort's shameless self-promotion. 0:05 Don kicks things off with a musical flashback: The Who's “Bargain” sets the tone for a segment on what may be today's biggest investing bargain—small value stocks. 2:00 The S&P 500 has averaged 13.2% annually since 2014; small caps lag at 7.2%. Investors are fleeing small-cap ETFs just as they may be poised for reversion to the mean. 3:30 The top five stocks in the S&P 500 are now five times larger than the entire Russell 2000. That kind of imbalance can't last forever. 5:08 Historically, small-cap value has outperformed large growth by ~4% annually over 100 years—yet most investors are overexposed to U.S. large-cap growth. 8:08 Instead of market timing, build a balanced portfolio based on your risk tolerance. Consider overweighting small and value, but don't ditch large caps entirely. 9:23 Even the worst year for small caps (2008, -34%) wasn't as bad as the S&P's peak-to-trough crash (-57%). Diversification isn't just smart—it's safer. 10:23 For equity allocation: a 1/3 split between large U.S., small U.S., and international may be simple, but effective. 11:59 Eugene from Baltimore has a $5M+ portfolio generating massive taxable income. Don and Tom recommend municipal bonds and more tax-efficient ETFs. 17:45 Mutual fund to ETF conversions (like those offered by Vanguard and Dimensional) could reduce Eugene's tax bill without triggering capital gains. 22:43 BJ from San Antonio holds a pricey Invesco fund (SMMIX) full of big tech—essentially a closet index fund with an 0.85% fee. Time to switch to low-cost, diversified ETFs. 25:38 Vanguard's VUG offers the same exposure with more holdings and a 0.04% fee—plus it's transparent, predictable, and consistent. 28:43 Ron in Lakeland wonders if he should copy his wife's ETFs. If your household has a unified asset allocation plan, identical holdings across accounts are fine. 31:27 Jerry from Lacey, WA asks whether to keep doing Roth conversions or start Social Security now. Don and Tom advise continuing tax-efficient conversions, possibly up to the 22% bracket, but not beyond. Also watch out for income thresholds that affect benefits like the $6K tax rebate. 35:46 Sherry (dropped call) inherited $4M in Microsoft. Diversify! But do it with a tax strategy and professional help. 36:49 Don reacts to a nauseating LinkedIn post by Jordan Belfort, reminding us that glorifying financial predators only feeds industry corruption. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 599: 3 Big Early Retirement Mistakes We Made (So You Don't Have To)Everyone makes early retirement look like beaches and banana hammocks—especially the gays. But behind the glam is the grit.In this week's episode, we're getting brutally honest about the three biggest mistakes we made on our path to early retirement. From missing Roth conversions to underfunding HSAs and after-tax accounts, we're sharing what we wish we had done differently—so you don't make the same missteps.We also open up about the hard truths: losing 70–80% of our income, getting ghosted by potential employers, and why we're being pushed into early retirement (spoiler: America kind of gave up on us first).If you're thinking about retiring early—whether by choice or circumstance—this is your roadmap to avoid regret and build a fabulous future on your own terms.

This episode is sponsored by: My Financial CoachYou trained to save lives—who's helping you save your financial future? My Financial Coach connects physicians with CFP® Professionals who specialize in your complex needs. Whether it's crushing student loans, optimizing investments, or planning for retirement, you'll get a personalized strategy built around your goals. Save for a vacation home, fund your child's education, or prepare for life's surprises—with unbiased, advice-only planning through a flat monthly fee. No commissions. No conflicts. Just clarity.Visit myfinancialcoach.com/physiciansguidetodoctoring to meet your financial coach and find out if concierge planning is right for you.___________Are you making costly tax mistakes without realizing it? In this episode, host Dr. Bradley Block  welcomes Enpo Tu, to discuss tax strategies for physicians. Enpo dives into the complexities of backdoor Roth IRAs, highlighting common errors like overlooking pre-tax IRAs or SEP IRAs that can trigger unexpected tax liabilities. He also explores the allure of real estate investments for tax savings, debunking myths about passive income and the challenges of liquidity and long-term tax implications. With practical advice on choosing a competent CPA and financial advisor, Enpo emphasizes the importance of transparency, coordination among professionals, and aligning strategies with personal financial goals. This episode offers actionable insights for physicians to navigate tax complexities, avoid audits, and build a secure financial future.Three Actionable Takeaways:Understand Your Full Financial Picture – Ensure your CPA has a complete view of your assets, including IRAs and SEP IRAs, to avoid costly mistakes like improper backdoor Roth conversions.Evaluate Real Estate Investments Critically – Look beyond tax deductions to assess the long-term tax implications, liquidity challenges, and whether real estate aligns with your time and financial goals.Vet Your Financial Professionals – Ask potential CPAs and financial advisors about their expertise with physician clients, compensation structure, and how they coordinate with other professionals to ensure comprehensive planning.About the Show:Succeed In Medicine  covers patient interactions, burnout, career growth, personal finance, and more. If you're tired of dull medical lectures, tune in for real-world lessons we should have learned in med school!About the Guest:Enpo Tu  is the Chief Operating Officer of My Financial Coach, where he has helped build the company since 2018. As a key architect of its operations, Enpo ensures high-quality financial planning for over 400 medical families. A prominent public voice, he hosts webinars, publishes educational content, and engages with physicians at conferences. Passionate about education over sales, he helps clients avoid financial pitfalls and build wealth through tailored strategies. Known for his professional style—complete with bow ties and vests—Enpo brings clarity and expertise to complex financial topics.Website: https://myfinancialcoach.comLinkedIn: http://linkedin.com/in/enpotuAbout the host: Dr. Bradley Block is a board-certified otolaryngologist at ENT and Allergy Associates in Garden City, NY. He specializes in adult and pediatric ENT, with interests in sinusitis and obstructive sleep apnea. Dr. Block also hosts The Physician's Guide to Doctoring podcast, focusing on personal and professional development for physiciansWant to be a guest? Email Brad at brad@physiciansguidetodoctoring.com  or visit www.physiciansguidetodoctoring.com to learn more!Socials:@physiciansguidetodoctoring on Facebook@physicianguidetodoctoring on YouTube@physiciansguide on Instagram and Twitter Visit www.physiciansguidetodoctoring.com to connect, dive deeper, and keep the conversation going. Let's grow! Disclaimer:This podcast is for informational purposes only and is not a substitute for professional medical, financial, or legal advice. Always consult a qualified professional for personalized guidance.

The internet is full of financial advice.  Some is good, some is great, and some downright dangerous.  After nearly 17 years as a financial advisor, I've heard it all. In this episode, I'm calling out the bad advice for retirees and pre-retirees that still gets passed around today in hopes that you will plan better for retirement!I hope you enjoy it.-KevinTakeaways:The internet is full of financial advice, but not all is good.Many retirees struggle with the concept of productivity in retirement.Not all financial advice is created equal; some is driven by agendas.Paying off a mortgage can provide peace of mind, even if it seems financially disadvantageous.Social security strategies should be flexible and personalized.Roth accounts can be beneficial, especially during the Roth Conversion Window.Financial planning should consider both quantitative and qualitative factors.⁠⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

This week on the show, we're discussing the specifics of Required Minimum Distributions (RMDs) as we head into the second half of 2025. Whether you're approaching your first year of RMDs or have been taking them for a while, I break down everything you need to know, from when you need to start taking distributions based on your birth year, to how RMDs are calculated, which accounts are affected, and the potential tax consequences for missing a withdrawal. I'm also sharing eight practical strategies you can use to lower your future RMDs, including asset diversification, Roth conversions, tax-efficient income planning, optimizing Social Security timing, and even using charitable contributions to your advantage. With real-world examples and actionable tips, this episode is packed with valuable insights for anyone looking to navigate their retirement withdrawals as tax-efficiently as possible.  You will want to hear this episode if you are interested in... [02:48] Calculating your Required Minimum Distribution. [05:02] IRA distribution factors & penalties. [10:40] Retirement tax strategy tips. [13:35] IRA conversion tax planning. [15:37] Optimizing social security timing. [18:48] Tax-efficient investment account strategy. Smart Strategies to Manage Required Minimum Distributions (RMDs)  New rules over the past few years have pushed back when retirees must start taking RMDs. As of today: If you were born in 1959 or earlier, your RMDs begin at age 73. If you were born in 1960 or later, the threshold moves to age 75. RMDs apply to traditional IRAs, rollover IRAs, SEP IRAs, SIMPLE IRAs, and most employer-sponsored plans, including 401(k)s and 403(b)s. Importantly, Roth IRAs are not subject to these mandatory withdrawals during the owner's lifetime, providing an attractive planning opportunity. How RMDs Are Calculated Your annual RMD is determined by dividing the prior year's December 31 retirement account balance by a life expectancy factor from IRS tables. Most people use the IRS Uniform Lifetime Table. If your spouse is more than 10 years younger, you get a slightly lower withdrawal requirement by using the Joint Life Expectancy Table. For example, if you are 73 with a $500,000 IRA, and the IRS factor is 26.5, your RMD would be $18,868 for that year. If you miss your RMD, penalties can be steep, 25% of the amount not withdrawn, though if corrected within two years, the penalty drops to 10%. RMDs are generally taxed as ordinary income. If your IRA contains after-tax contributions, those aren't taxed again, but careful tracking is essential. The key is smart, proactive planning. RMDs increase your total taxable income, which can impact not just your IRS bill, but also Medicare premiums (thanks to the “IRMAA” surcharge) and eligibility for certain state tax breaks. Eight Strategies to Lower RMD Impact Here are several tactics to help retirees minimize RMDs' sting and keep more of their wealth working for them: Diversify Account Types Early Don't keep all retirement savings in pre-tax accounts. Consider a mix of pre-tax, Roth, and taxable brokerage accounts so you have flexibility in retirement to optimize withdrawals for tax purposes. Build an Optimized Retirement Income Plan Work with a financial advisor or CPA to design an intentional strategy for sourcing retirement income. With careful planning, you can potentially lower how much tax you'll owe and avoid unwelcome surprises. Do Roth Conversions When Taxes Are Low If you retire before collecting Social Security (and RMDs), you might have years of low taxable income, prime time to convert part of your traditional IRA to a Roth IRA at a low tax rate. Once in the Roth, future qualified withdrawals are tax-free. Delay Social Security for Strategic Reasons Delaying Social Security not only increases your monthly benefit but also gives you more low-income years for Roth conversions, thus reducing future RMDs. Consider Working Longer If you continue working past RMD age and participate in your employer's retirement plan, you may be able to delay RMDs from that plan until you retire (as long as you don't own more than 5% of the company). Aggregate and Simplify Accounts Roll over old 401(k) accounts into a single IRA if eligible. It's easier to track, calculate, and satisfy RMDs, reducing the risk of costly missteps. Optimize Asset Location Hold faster-growing investments (like stocks) in taxable accounts and slower-growing ones (like bonds) in IRAs. This helps slow the growth of your RMD-producing accounts, keeping future required withdrawals smaller. Use Qualified Charitable Distributions (QCDs) Once you're RMD-eligible, you can send up to $100,000 per year directly from your IRA to charity. It will count toward your RMD but won't be taxed, potentially a win-win for you and your favorite causes. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Retirement topics - Required minimum distributions (RMDs) | Internal Revenue Service   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

In this episode of Turf Today, Adam and Brian sit down with Nick Roth, Director of Greens and Grounds at The Tree Farm in South Carolina. As employee number one, Nick has been there since the jump, helping shape a bold new golf project from untouched land to finished fairways. He shares insights on the construction and grow-in process, what it's like working with founders who think outside the box, and how he's building a culture of excellence on and off the turf. Thank you to all our sponsors for supporting the work we do and the turf professionals who make this industry thrive. And to our listeners, we appreciate every download, share, and message. Thanks for being part of the Turf Today community and helping us grow the game from the ground up!  To connect with the show reach out to adam@superintendentnetwork.com  

Brad and Rachael Camp tackle listener-submitted questions focusing on bonds, retirement strategies, pensions, and optimizing Roth IRA conversions. Rachael Camp, a Certified Financial Planner, sheds light on various financial independence (FI) strategies—discussing the impact of interest rate volatility on bond investments, the importance of tax planning during retirement, and navigating unexpected inheritances. Timestamps and Key Topics 00:01:10 - Introduction to Bonds 00:03:15 - Bonds vs. Bond Funds 00:24:07 - Pension Strategies 00:27:29 - Roth IRA Conversions 00:45:11 - Handling Inheritance and Taxes Key Insights Understanding Bond Dynamics: Timestamp: 00:04:10: Understanding the inverse relationship between bond prices and interest rates is crucial. Timestamp: 00:16:30: Review your bond strategy annually to assess risks associated with interest rate changes. Bond Funds vs Individual Bonds: Timestamp: 00:21:24: For long-term strategies, individual bonds and bond funds often perform similarly. If you consistently reinvest mature bonds, you effectively manage the same risk as a bond fund. Pension Ramifications: Timestamp: 00:25:53: Use your pension wisely to enhance your tax strategy! Roth IRA Conversion Strategy: Timestamp: 00:34:10: Maximize your savings with strategic Roth conversions, particularly before pension income starts. Inheritance Implications: Timestamp: 00:46:21: Evaluate the impact of any inheritance on your overall tax strategy carefully. Actionable Takeaways Regularly assess your bond exposure and adjust according to market conditions. Prioritize Roth conversions during income gaps in your retirement timeline to leverage low tax brackets. Plan your inheritance withdrawals strategically over the 10-year required period to mitigate tax impacts. Frequently Asked Questions What is the difference between bond funds and individual bonds? Bond funds are collections of bonds that continue to reinvest, while individual bonds are purchased with a fixed interest rate and maturity. This influences cash flow needs and risk tolerance. Timestamp: 00:10:40 How do Roth conversions affect my tax bracket? Roth conversions can fill your tax bracket before pensions begin to reduce available space, maximizing tax efficiency of your retirement income. Timestamp: 00:34:10

Don and Tom dive into the new “big, beautiful” tax bill with humor and skepticism, covering changes to Social Security taxation, tips and overtime exemptions, expanded SALT deductions, and the controversial $1,000 baby bonus. They also tackle listener questions on Roth vs. IRA asset protection, portfolio rebalancing confusion, and lazy robo-advisory allocations. Bonus: helium speculation, trade school love, and a jab at politicians who pander. 0:04 Intro: “Dearly beloved…” it's tax time 1:10 Overview of the “Big Beautiful Bill” and $4T impact 1:25 Tips and OT tax exemptions starting in 2025 2:09 Social Security tax break: $6K per person if under income limits 3:28 Standard deduction and new child tax credits 4:13 $1,000 newborn savings account—free government money 5:17 SALT deduction expanded to $40K for four years 6:44 Property and sales tax deductions clarified 7:48 Guilt over tax breaks? Try a Roth gift for the grandkids 8:27 The “kid account” vs. 529 plans vs. UGMA 10:58 Trade school > AI: real jobs that can't be outsourced 12:42 Don rants on political pandering in the bill 13:47 Listener Q1: 401(k) rollover and asset protection in Washington 16:17 IRA protections state-by-state 16:52 Listener Q2: Does rebalancing mean switching investments? 18:34 Rebalancing means returning to plan, not chasing trends 20:04 Show plug: Owen Wilson's helium speculation on “Stick” 21:28 Listener Q3: Is this Vanguard robo-portfolio too lazy? 22:47 Why it's impossible to rebalance between Roth and IRA accounts 23:58 Listener Q4: What's really inside DFAW? Core 1 vs. Core 2 27:26 Core 2 = more small/value tilt; DFAW ≈ AVGE 28:26 Expense ratio difference between DFAW and AVGE is negligible Learn more about your ad choices. Visit megaphone.fm/adchoices

“A joyful heart is good medicine, but a crushed spirit dries up the bones.” - Proverbs 17:22As we wrap up our series on the temperaments and how they impact our financial decisions, we're turning the tables a bit. Today, Kathleen Edelman—who's been our guide through this journey—is taking the host seat to interview Rob West about the Yellow temperament.Kathleen Edelman is the author of I Said This, You Heard That: How Your Wiring Colors Your Communication. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication.What Is the Yellow Temperament?The yellow temperament, known as sanguine, is characterized by high energy, optimism, and a deep desire for connection. Yellows are extroverted and people-oriented, speaking the language of fun and relationships. They often bring joy, inspiration, and laughter into every environment they enter. However, they also face challenges, particularly in areas such as focus, follow-through, and impulse control.Historically rooted in the work of Hippocrates, the four temperaments offer a timeless framework for understanding how people are wired to think, speak, and listen. The yellow temperament is one of four:Red (Choleric): Task-oriented extroverts, driven by power and control.Blue (Melancholic): Task-oriented introverts, focused on perfection and order.Green (Phlegmatic): People-oriented introverts, seeking calm and harmony.Yellow (Sanguine): People-oriented extroverts, motivated by fun and connection.How Yellows Communicate and RelateYellows are often described as the life of the party—fun, inspiring, and full of energy. They thrive on being liked, included, and appreciated. They tend to wear their hearts on their sleeves and use charm, humor, and emotional connection to relate to others.Their innate needs include:Approval – being accepted for who they are.Acceptance – feeling included and invited.Attention – being given full focus and eye contact.Affection – being acknowledged and appreciated.When these needs are met, yellows radiate joy and creativity. But when unmet, they may seek attention in unhealthy ways or rely on charm to mask insecurity. Understanding these tendencies can help others relate to yellows with empathy and intention—and help yellows themselves pursue healthy, life-giving connections.Financial Habits of the Yellow TemperamentWhen it comes to money, yellows tend to view finances through the lens of spontaneity and enjoyment. They view money as a means to create experiences, give generously, and make memories with others. However, their optimism and impulsiveness can lead to overspending or a lack of strategic planning.Some common financial tendencies of yellows include:Generosity is driven by emotion rather than strategy.Difficulty sticking to strict budgets or long-term plans.A tendency to avoid hard money conversations, especially if there's potential for conflict or disapproval.Using money to strengthen relationships and bring joy.To thrive financially, yellows benefit from tools that provide structure without feeling restrictive, such as flexible budgeting systems, automated savings, or labeled cash envelopes tied to experiences (e.g., “Dinner with Friends”). Framing financial stewardship in terms of purpose, joy, and relational impact helps them stay engaged and motivated.Communication and StewardshipIn conversations—especially around finances—yellows respond best to positive framing and shared vision. They may avoid spreadsheets or conflict, but they are quick to dream, encourage, and cast vision. When invited into planning that includes moments of celebration or generosity, they are more likely to stay committed.In leadership or ministry settings, yellows often bring energy and hope to conversations. They are natural encouragers and communicators, able to uplift others with genuine warmth and presence. However, they may need accountability partners or systems to help with follow-through and details.Understanding their own temperament also enables yellows to listen more intentionally. With tools like Edelman's workbook, they can better identify the temperaments of others and respond in ways that build connection and clarity, both at work and at home.The yellow temperament is a vibrant and life-giving expression of God's creative design. While yellows may struggle with structure and impulse, they bring essential gifts of joy, vision, and generosity. With the right tools and a deeper self-awareness, they can become faithful stewards who reflect the heart of Christ, not just in their relationships, but also in how they give, plan, and lead.For a deeper dive into all four temperaments and how they relate to stewardship, relationships, and communication, explore Kathleen Edelman's featured article in our Faithful Steward magazine. To receive a copy each quarter, become a FaithFi Partner by giving $35 a month or $400 a year at FaithFi.com/Give.On Today's Program, Rob Answers Listener Questions:I'm about three and a half years away from retirement and currently have more saved in traditional IRAs than Roth IRAs. Would it be wise to start converting some of those traditional funds into Roth now—even if it means taking a tax hit—to avoid higher taxes in retirement?I'm 40 years old and have several 401(k) accounts from former employers. I've received mixed advice—some financial advisors say I can't consolidate them into a single account, while another is recommending I move them into a hedge fund that claims to offer a 15–17% return. What should I do?A few years ago, we loaned our son and his wife money to build a tiny home. They're now selling it at a loss to a third party. Are there any sales tax or personal tax consequences we—or our son—should be aware of in this situation?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen EdelmanWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) 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.