Podcasts about Roth IRA

Macro analyst and investor Cem Karsan joins Coin Stories to explain why the U.S. dollar remains America's greatest source of power, how decades of Fed policy fueled inequality and populism, and where Bitcoin, gold, and hard assets fit into a fractured global system. We discuss:  Why the U.S. dollar is more powerful than the military How the Federal Reserve reshaped wealth, markets, and politics Populism, protectionism, and rising internal conflict Bitcoin, gold, and the future of reserve assets - W hat individuals can do to protect themselves in a volatile world Follow Cem Karsan on X at https://x.com/jam_croissant  ---- Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to Bitcoin and what's broken in our current financial system: https://amzn.to/3WzFzfU  --- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  ---- Natalie's Bitcoin Product Partners: Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Strategy World 2026 in Las Vegas on February 23-26th - Use code HODL for discounted tickets: https://www.strategysoftware.com/world26    Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

Our guests on the podcast today are Cody Garrett and Sean Mullaney. They're both advice-only financial planners, and they're the co-authors of a new book called Tax Planning To and Through Early Retirement. Cody is a certified financial planner and the founder of Measure Twice Money, where he helped DIY investors make informed decisions aligned with their values. He also leads Measure Twice Planners, which is an educational community for financial planners. Sean Mullaney is a certified public accountant and head of Mullaney Financial & Tax. He also writes the blog, FITaxGuy.com, which is focused on the intersection between financial independence and taxes.BackgroundSean MullaneyCody GarrettMeasure Twice MoneyMeasure Twice FinancialMeasure Twice PlannersMullaney Financial & TaxFITaxGuy.comTax Planning and Early RetirementTax Planning To and Through Early Retirement, by Cody Garrett and Sean Mullaney“The Backdoor Roth IRA After an Excess Contribution to a Roth IRA,” Sean Mullaney, FITaxGuy.com, Dec 16, 2025“Why I Don't Worry Much About Sequence of Returns Risk,” Sean Mullaney, FITaxGuy.com, Jun 10, 2025“The Tax Planning World Has Changed,” by Sean Mullaney, FITaxGuy.com, Sep. 22, 2025“Bogleheads on Investing® with Cody Garrett, CFP®, and Sean Mullaney, CPA on tax planning to and through retirement: Episode 89″ by Bogleheads on Investing® podcast, BogleCenter.net, Dec. 7, 2025“Managing Taxes in Retirement with Sean Mullaney,” by the White Coat Investor Podcast, WhiteCoatInvestor.com, Nov 20, 2025.Die With Zero: Getting All You Can from Your Money and Your Life―A Revolutionary Approach to Maximizing Life Experiences Over Accumulating Wealth, by Bill Perkins“Reframing Risk In Retirement As “Over- And Under-Spending” To Better Communicate Decisions To Clients, And Finding “Best Guess” Spending Level,” by Michael Kitces, Kitces.com, Apr. 24 2024.More on Early Retirement and FIRE“My Baptism by FIRE: Lessons on Financial Independence,” by Christine Benz, Morningstar.com, May 29, 2025.“Aiming to ‘Die with Zero'? Here Are the Implications for Portfolio Construction and Retirement Spending,” by Jess Bebel, Morningstar.com, Apri. 6, 2025"Derek Tharp: An Alternative Approach to Calculating In-Retirement Withdrawals," The Long View podcast, Morningstar.com, Feb. 21, 2023 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Luke Gromen, founder of FFTT, joins Natalie Brunell to break down the accelerating breakdown of the post-1971 dollar reserve system, and what it means for Bitcoin, gold, global trade, and geopolitical stability. Topics: Why Japan may be closest to a sovereign debt crisis as yields spike to historic levels How gold has overtaken U.S. Treasuries in global reserves   Is the U.S. selling gold that's making its way to China?! Capital rotation away from risk assets and into gold Why Bitcoin still trades like high-beta tech, for now Why Luke sold his Bitcoin and isn't buying back (yet) Follow Luke Gromen on X at https://x.com/LukeGromen & subscribe to https://fftt-treerings.com  ---- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  ---- Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to Bitcoin and what's broken in our current financial system: https://amzn.to/3WzFzfU  ---- Natalie's Bitcoin Product Partners: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Strategy World 2026 in Las Vegas on February 23-26th - Use code HODL for discounted tickets: https://www.strategysoftware.com/world26    Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

Jonathan and Brad explore the infinite possibilities within the financial independence community by discussing the concept of Incremental Gains. Key Topics Discussed Introduction to Incremental Gains (00:00:00) An overview of the episode's aim to introduce innovative ideas within the financial independence community. What is a Red X Month? (00:02:05) A red X month is a designated period for relaxation and reflection, allowing individuals to step back from their regular commitments. Mindset and Incremental Gains (00:05:05) Importance of having the right mindset in achieving financial independence. Importance of Time and Journey (00:07:21) The hosts stress that it's about appreciating the journey, not just the destination. Roth IRA for Kids (00:29:46) Discussing how children with earned income can benefit from a Roth IRA, helping them build wealth early. The Impact of Fees on Investing (00:44:01) Emphasizing the significance of minimizing fees and its long-term effects on wealth accumulation. Join the Discussion Go to ChooseFI.com/login Actionable Takeaways Red X Month: Consider taking a dedicated month to reset and recharge your priorities. (00:05:05) Roth IRA for Children: Open a Roth IRA for your child if they have earned income to help them start building wealth. (00:29:46) Minimize Investment Fees: Invest in low-fee index funds to optimize your long-term wealth and keep track of any fees tied to mutual funds or advisors. (00:43:27) Key Quotes "Reclaim your most precious non-renewable resource: your time." (00:16:51) "It's not about reaching a mythical number; it's about living a better life." (00:08:55) "Time in the market surpasses timing the market." (00:48:22) Timestamps 00:00:00 - Introduction to Incremental Gains 00:02:05 - What is a Red X Month? 00:05:05 - Mindset and Incremental Gains 00:07:21 - Importance of Time and Journey 00:29:46 - Roth IRA for Kids 00:44:01 - The Impact of Fees on Investing Essential Listening Episodes Referred to Masterclass on Muscle Building

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss why the beginning of the year is one of the most important times for smart tax decisions and how early planning can prevent costly mistakes later. With the help of their Director of Financial Planning and Tax Strategy, Taylor Wolverton, they walk through practical smart tax strategies designed to support effective tax planning in retirement and help you stay ahead with a proactive tax planning checklist. From contribution rules to charitable strategies, this episode focuses on building a strong foundation for retirement tax planning that supports long-term confidence.Listen in to learn about key decisions that impact your ability to plan for retirement, reduce unnecessary taxes, and ultimately secure your retirement. Whether you are still working, transitioning into Retirement, or already planning retirement income, these insights can help you align your retirement checklist with current rules, deadlines, and opportunities—so you can focus on retiring comfortably without last-minute surprises.In this episode, find out:How the 401k catch up rule works, including 401k catch up contributions and updated 2026 401k contribution limitsWhy the IRA contribution deadline matters and how a Roth IRA contribution can still be made after year-endHow qualified charitable distribution strategies work, including important QCD rulesWhen it may make sense to donate stock to charity versus giving cash and how this affects your charitable deductionHow income choices impact a long-term Roth conversion strategy and overall retirement tax planningTweetable Quotes:“The beginning of the year is where smart tax planning really starts—what you do now determines how much flexibility you'll have later.” — Radon Stancil“Tax planning in retirement isn't just about deductions; it's about choosing the right accounts at the right time.” — Murs TariqUnderstanding how the standard deduction, charitable strategies, and income planning work together is a critical part of Retirement Planning. From managing distributions to timing conversions, early awareness helps avoid mistakes that can limit your ability to secure your retirement and maintain tax efficiency throughout the year.Resources: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.

Spencer and Jamie break down the 10 core principles of Bogleheads investing and show how military service members can apply this simple, low-cost approach to build wealth through the TSP and other accounts. If you're overwhelmed by investing advice or tempted by day trading and crypto, this episode cuts through the noise with a proven strategy that's worked for decades. Hosts: Spencer Reese (former Air Force pilot, 12 years active duty) and Jamie (active duty officer) The 10 Bogleheads Principles Develop a workable plan - Create an investment policy statement (even informal) to guide decisions during market volatility Invest early and often - Automate contributions to remove decision fatigue; increase TSP allocation today Never bear too much or too little risk - Age-appropriate asset allocation; avoid the old G Fund default trap Diversify - Don't put all eggs in one basket; TSP funds cover entire US market plus international exposure Never try to time the market - Time IN the market beats timing the market; market dropped 19% in April 2025, now up 38% from that low Use index funds when possible - TSP offers five low-cost index funds; 90% of active managers can't beat index funds over 20 years Keep costs low - TSP expense ratios under 0.1%; avoid predatory companies charging 1-2%+ fees Minimize taxes - Leverage Roth TSP and Roth IRA; military tax advantages (BAH, BAS, combat zone exclusion) Invest with simplicity - LADS approach (Low-cost, Automated, Diversified, Simple); Warren Buffett's S&P 500 bet crushed hedge funds Stay the course - Measure performance in decades, not days/weeks; don't panic sell during downturns Key Takeaways Why Bogleheads Philosophy Works for Military: Takes power back from financial advisors and complex products Simple enough anyone can succeed with minimal effort Perfect match for TSP's low-cost index fund structure Removes emotion from investing decisions TSP Advantages: Five index funds (C, S, I, G, F) cover nearly entire investable market Lifecycle funds automatically balance risk by retirement year Expense ratios under 0.1% (incredibly low) Now defaults to lifecycle funds instead of G Fund (huge improvement with Blended Retirement System) Common Military Investing Mistakes: Old G Fund default trap - cost retirees millions in missed gains Trying to time the market or day trade Paying high fees to predatory companies Not automating contributions Measuring performance over days/weeks instead of decades The Math That Matters: First $100K took Spencer 4+ years; second $100K took 2 years (compound growth accelerates) Market will drop 30% in next 10 years (guaranteed) - but timing it is impossible S&P 500 gained 125% over 10 years vs. best hedge fund's 87% in Warren Buffett's famous bet April 2025 market drop: 19% down, then 38% up from that low within months Diversification Made Easy: C Fund: 500 largest US companies (S&P 500) S Fund: ~2,000 smaller US companies I Fund: 5,000+ international companies (20+ developed + emerging markets, excludes China/Hong Kong) Combined: Total US and international market exposure Add VXUS in Roth IRA for China/Hong Kong exposure if desired Automation is Your Friend: Log into MyPay once, increase TSP allocation, never think about it again Every promotion or time-in-grade raise = bump allocation by 1% One decision removes 100 future decisions Eliminate decision fatigue and emotional reactions Fee Impact Example: Predatory companies charge 1-2%+ fees TSP: Under 0.1% Fidelity FZROX: 0% expense ratio Vanguard funds: 0.03% Rule of thumb: Stay under 0.25%, ideally under 0.10% Resources Mentioned Books: "The Little Book of Common Sense Investing" by Jack Bogle "The Military Money Manual" by Spencer Reese (available at MWR Library, Libby app, Amazon) Investment Accounts: TSP (Thrift Savings Plan) - Military 401k Roth TSP and Roth IRA (tax-advantaged accounts) Recommended brokerages: Fidelity, Vanguard, Schwab Key Terms: LADS: Low-cost, Automated, Diversified, Simple Index fund vs. active management Expense ratio and basis points Asset location strategy Investment Policy Statement Previous Episodes Referenced: TSP deep dives (search podcast) Roth TSP vs. Roth IRA explanations "Do Better" episode on predatory companies Real-World Examples Lieutenant with $50K in checking account - proves military pay allows saving, just need to invest it Service member paid off all auto and student loans in 3 months of deployment Retirees with $250-500K in G Fund who missed out on millions Enron, WorldCom, Lehman Brothers - why diversification matters MicroStrategy (MSTR) - current example of concentrated risk Who This Episode Is For Military service members at any rank TSP participants unsure how to invest Anyone tempted by day trading, crypto, or "get rich quick" schemes New investors overwhelmed by options Service members paying high fees to financial advisors Anyone who wants a simple, proven wealth-building strategy Quick Action Steps Log into MyPay and increase TSP allocation (even 1% helps) Verify you're in appropriate Lifecycle Fund (birth year + 60-65 years) NOT in G Fund unless near retirement Set automatic annual increases (1% per year) Open Roth IRA at Fidelity, Vanguard, or Schwab Read "The Military Money Manual" (free at base library) Stop checking account daily - check quarterly at most Contact Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Book: "The Military Money Manual" (Amazon, $3 Kindle, free at MWR libraries) The Bogleheads philosophy has helped millions become millionaires through simple, low-cost index fund investing. As a military service member, you have access to one of the best low-cost investment vehicles in the world - the TSP. Stop overthinking it, automate your investments, and stay the course.  

We live in a culture that stretches us to the very limits of our time, energy, and finances. Every hour gets booked, every dollar gets assigned, and before we know it, we're operating without room to breathe. Scripture calls that lack of space folly—and the presence of space wisdom. Today, we're talking about margin and why it's essential to biblical stewardship.Margin is the space between our limits and our load—the distance between what we could do and what we actually do. Proverbs 21:20 tells us, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” Wise people don't consume everything they have. They create space. They build reserves. They plan ahead. The foolish run to the edges, spending and consuming as fast as resources arrive.One of Scripture's most beautiful pictures of margin appears in the story of Ruth. In Leviticus 23:22, God instructs His people not to harvest their fields all the way to the edges. They were to leave grain for the poor, the widow, and the foreigner. Boaz obeyed that command. He refused to maximize every inch of profit, and because of that simple act of obedience, Ruth and Naomi survived. Margin became the soil for redemption—leading to the lineage of King David, and ultimately, to Jesus Christ. Margin makes room for God to work.Think of a beautifully designed page. The words never run from edge to edge. The white space allows the page to breathe. Without it, the text would feel overwhelming. Our lives are the same. When we fill every minute of our schedules and every dollar of our budgets, life becomes chaotic. We lose clarity, rest, and the ability to respond to God's promptings.Financially, the absence of margin makes even small disruptions feel like emergencies. A car repair or medical bill can suddenly derail us. But margin absorbs shocks. It quiets anxiety. And it lays the groundwork for stewardship.Margin produces at least three spiritual benefits:Space for Rest. When we're not bound to every dollar, we can Sabbath—enjoying God's presence without pressure.Space for Faith. When we don't consume everything, we confess that God—not our paycheck—is our provider.Space for Generosity. Living at the edge leaves no room to say yes when God nudges us to give. Margin fuels ministry.Ultimately, margin is a spiritual discipline. It isn't just about saving money—it's about creating space for God's pace, God's provision, and God's purposes. The first step is simple to name and difficult to practice: spend less than you earn. Say no to good things so you can say yes to better things. Margin doesn't appear on its own—it's created through intentional choices.Boaz never imagined that leaving grain behind would shape the family line of the Messiah. But God often uses margin to accomplish eternal things.————————————————————————————————If you want to go deeper in learning how our stewardship makes room for God's work in our lives, our own Rob West wrote about this theme in his new 21-day devotional, Our Ultimate Treasure. It will be released next month. You can preorder or place bulk orders at FaithFi.com/Shop, and a digital version will be available soon in the FaithFi App for FaithFi Partners. I'd love for you to experience it.On Today's Program, Rob Answers Listener Questions:I received a notice from my bank regarding an arbitration provision and class action waiver—specifically, a notice about resolving disputes through individual arbitration. I don't understand what that means or what happens if I opt out. I'm confused and unsure what to do.I'm a truck driver, and I'm 62. I've got a few years before retirement, and I'm starting to have a little extra money in my paycheck. I'd like to invest some of it, but I'm unsure about the current market conditions. I'm also curious about crypto and Bitcoin, and wanted to hear your take.I'm trying to organize several things I've inherited—stock, savings, an IRA, an annuity, a CD, an insurance inheritance, and a house. I'm almost 72, and my dad is 100 and still living, so I need to plan for possibly 30 more years. I work part-time and receive Social Security, and my husband, who is bed-bound, also receives Social Security. Overall, our income is about $9,000 per month, which we don't need right now. I want to know how to organize all of this wisely and plan for the long term.I have two adult children in their late 30s who still have a lot of student loan debt. I'd like to help pay it off, but most of my money is in retirement accounts—401(k), IRA, and Roth IRA. Is there any way to use that money without a big tax hit? Is there any option to reduce their debt through repayment programs? One child has federal loans, and the other is in forbearance, with interest accruing. I'd really like to see them free from this debt, but I'm not sure how to approach it.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Financial planning with 529 plans has changed in a big way. What was once just a college savings tool can now become a powerful strategy for long-term, tax-free retirement wealth when used correctly. In this episode of the Wise Money Show, we break down the new 529-to-Roth IRA rules, who this strategy works for, and the key pitfalls to avoid. Learn how this little-known opportunity could potentially create six or even seven figures of retirement income over time. Season 11, Episode 22 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/pXgUvJFhu2I  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

In this episode, we ask: Did you host a lemonade stand as a kid? What is the spark for real financial freedom? What about setting up a legacy? What about teaching the kids how to build wealth? Who wants to plant an oak tree for the kids? What about tax free income and tax free...

AI is everywhere, from investing apps and portfolio tools to recipe planners and vacation organizers, artificial intelligence touches countless corners of our lives. In finance, AI promises accessibility. For newer investors, it's a way to learn basic concepts, compare traditional and Roth IRAs, or understand the difference between tax brackets, all delivered in plain English. AI is also a huge help with organization and financial efficiency. Need a budgeting framework or quick ways to categorize cash flow? AI can create those. It's a handy pocket assistant that helps you plan and ask sharper questions when evaluating financial advisors or planning your future. The Real Limitations of AI in Financial Planning While AI is a powerful tool, it is not a decision maker. Here are the big dangers and drawbacks you need to keep in mind: 1. Zero Personal Accountability AI doesn't bear the consequences of its advice. If it suggests an irreversible move, like a Roth IRA conversion, based on incomplete or incorrect information, the cost falls entirely on you. 2. Overconfidence in Precision AI delivers advice with absolute confidence, even when it's wrong! Financial planning isn't just numbers, it's trade-offs, nuances, and judgment calls that factor in health, family dynamics, and personal emotional risk tolerance. 3. Struggles with Multi-Year Tax Planning Most AI tools treat tax decisions generically just one year at a time. But real retirement tax planning means looking ahead 10, 15, or 20 years. Missed integration here can cost you tens, or even hundreds, of thousands of dollars over a career or lifetime. 4. One-Dimensional Investment Advice AI assumes perfect discipline and zero life changes, no panic selling, no sudden need for funds. But human emotion, especially during retirement or volatile markets, often drives decisions. 5. False Sense of Security AI's confident answers may mask underlying complexity. A small financial misstep, repeated or compounded over decades, can grow into a massive problem down the road. 6. Lack of Behavioral Guardrails Emotions play a huge role in retirement and investment decisions. Life throws curveballs—loss, illness, market downturns, and AI cannot reframe your fears or keep you disciplined when things get tough. When Human Wisdom Matters Most Retirement planning isn't about finding simple answers, information is cheap, wisdom is not. For complex questions, AI offers basic options, but it can't weigh the sequence of return risk, or policy changes in real time, like a qualified advisor can. Human advisors coordinate, prioritize, and apply experience to your financial life. They support you through market cycles, health challenges, and family transitions, and recognize when purely rational advice doesn't capture your real needs. Using AI Wisely My advice is to use AI for learning and organization, not for important, irreversible lifestyle and tax decisions. Always double-check its work, and don't outsource your financial future entirely to algorithms. Technology plus human judgment delivers the best outcomes. AI is a powerful tool, not a complete solution. Outline of This Episode 02:24 Best in Wealth Podcast future plans.03:57 AI in daily

Natalie Brunell and Tracy Shuchart (NinjaTrader Live and Hilltower Resource Advisors) expose the truth behind the U.S. intervention in Venezuela, and how it was never really about oil. Topics include: How China, Russia, and Iran quietly took control of Venezuela's resources Did the Pentagon advise moving in on Venezuela? Why gold is being hoarded by central banks Why the petrodollar narrative is misunderstood  How Bitcoin is being used by sanctioned governments Why AI and data centers are creating a massive commodity super-cycle Why owning hard assets is critical, including Bitcoin Tracy Shuchart "The Venezuelan Oil Narrative is PURE THEATRE" https://renegaderesources.pro/p/the-venezuelan-oil-narative-is-pure Follow Tracy Shuchart on X at https://x.com/chigrl  ---- Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to Bitcoin and what's broken in our current financial system: https://amzn.to/3WzFzfU  --- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  ---- Natalie's Bitcoin Product Partners: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Strategy World 2026 in Las Vegas on February 23-26th - Use code HODL for discounted tickets: https://www.strategysoftware.com/world26    Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

Budgeting is one of the most overlooked and most critical skills for law firm owners. In this episode, Kevin Daisey is joined by Leah Miller, a fractional CFO who specializes in law firms, to break down how lawyers can finally get clarity around cash flow, expenses, marketing spend, and profitability. They discuss why so many firms struggle with budgeting, especially contingency and personal injury practices, and how simply reviewing your financial statements monthly can transform decision-making. Leah Miller shares practical frameworks for building a realistic budget, determining your true breakeven point, managing uneven cash flow, and avoiding common financial traps. You'll also learn how budgeting impacts marketing, hiring, tax planning, and long-term growth, and why having the right financial conversations early can save years of stress later. Today's episode is sponsored by The Managing Partners Mastermind. Click here to schedule an interview to see if we're a fit. If you're a law firm owner who wants to stop guessing and start leading with confidence, this episode is a must-listen. Chapters (00:00:00) - The Best Lawyers: Managing Partners Podcast(00:00:37) - Budgeting for Law Firm Executives(00:01:47) - How to Manage a Law Firm(00:05:49) - Law Firm Business Financials(00:10:35) - Budgeting for Marketing(00:13:39) - How to Manage Cash Flow in the Firm(00:16:38) - How many months of cash should a firm have on hand?(00:21:31) - How to Run a Business with a Roth IRA(00:27:34) - CFO vs Law Firm CFO: Making Smart Decisions(00:30:54) - Leah on Connecting With People

Chris's SummaryJim and I continue last week's EDU discussion on Roth IRA mistakes from an Investopedia article. We cover direct versus 60-day rollovers, the one-per-365-day IRA-to-IRA limit, and the 401(k) 20% withholding rule with the RMD and NUA exceptions. We revisit backdoor Roth mechanics and the pro rata rule, then shift to beneficiary designation forms and why naming an estate creates probate and creditor issues. We close with inherited Roth withdrawal timing under SECURE Act rules and the 10-year window. Jim's “Pithy” SummaryChris and I pick up where last week's EDU episode left off, using the Investopedia Roth mistakes article as a launching point to correct what they compress or misstate. The rollover section is where people get hurt, because they describe the old IRA rule like it was “once per calendar year,” and it wasn't. It's a 365-day framework, and the one-per-365-day limit still matters when you do the “show me the money” version of a rollover. I also keep pushing back on indirect rollovers from a 401(k), because the 20% withholding isn't optional. There are narrow exceptions—but those aren't general flexibility, they're specific rules people routinely misunderstand. The other item that's far more important than its position on the list is beneficiary designation forms. These accounts pass by beneficiary form first, not your will, which can create probate delays, attorney fees, and creditor complications for the people left to sort it out. Chris adds the practical version of the same mistake: circumstances change, paperwork doesn't. Old beneficiaries stay on file, and the form controls the outcome even when it creates an awkward situation. We also get into inherited Roth timing under the SECURE framework—who qualifies as an eligible designated beneficiary, what the 10-year window actually requires, and why Roths don't fit the required beginning date logic the way traditional accounts do. That difference matters when you're thinking about flexibility for heirs and how long the account can sit untouched. If the real goal is the zero in the 2-1-0 Tax Ordering Number, the logic behind leaving a Roth can look very different than what you'd conclude from a short listicle about Roth IRA mistakes. Show Notes: Article – 11 Mistakes to Avoid With Your Roth IRA The post Roth IRA Mistakes, Part 2: EDU #2602 appeared first on The Retirement and IRA Show.

Hour 3 for 1/14/26 Drew and Brooke pray the Chaplet of Divine Mercy (1:00). Then, Deacon Chris Kabat discuss retirement planning (18:55). Topics/calls: should I retire (23:21), future of Social Security (28:34), Roth IRA (34:24), trouble finding work (42:43), and inheritance of property (46:23). Link: https://guadalupeshrine.org/

If you're 50 years old, how do you decide whether to max out your 401(k), Roth IRA, or HSA? The right answer depends on more than just tax benefits; it requires looking at all six areas of your financial life. In this bonus episode, we break down the risks, trade-offs, and planning considerations to help you make the wisest move for your retirement and tax strategy. Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/0J-nm3kljI4  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

New year, new interest rates? It's a strong maybe. That isn't the most helpful answer, but if you are close to closing on a new house, should you wait to see if they drop or lock in now? Nate Reineke and Chelsea Jones discuss some factors to consider when deciding whether to wait or not. We also look at how a change might already be factored into the rate you're getting. We also answer your colleagues' questions. A Psychiatrist in Maine says, “My 13-year-old just received a couple hundred bucks at Christmas. He is very interested in investing that money. He doesn't have any earned income. Is it best to open a UTMA in his name, a 529, or a Roth IRA?” A Double doctor family in Hawaii asks, “My 18-year-old son just committed to a paid internship for this coming summer and will make enough money to fully fund a Roth IRA. What is the best way to set this up?” An Oncologist in Oklahoma is wondering, “I looked at our last paycheque for the year 2025. Based on my calculations, it's likely that we will not meet the safe harbor rules for 2025. I am not sure how this happened, as we are both W2 employees. I know that we will have to pay some penalties, but should I hire a CPA for taxes this year? Generally, I do the taxes myself, but I am not sure if TurboTax can run this analysis.” 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

Tom Cock and Don McDonald kick off 2026 with a sharp, skeptical look at portfolio simplicity—what it really means, what it doesn't, and why promises like “no sacrifice in returns” should always raise an eyebrow. Using a Morningstar article as a springboard, they dig into active vs. index funds, one-fund and target-date strategies, and the behavioral traps that complexity creates. Listener calls drive deeper discussions around Avantis funds (AVGE vs. AVGV), value tilts, international exposure, Fidelity's zero-fee funds, and when simplicity actually beats sophistication. Along the way: holiday viruses, Jeopardy ETF fails, Tesla-as-a-value-stock arguments (sort of), and a reminder that knowing yourself as an investor matters more than chasing the “perfect” allocation. 0:04 Holiday hangover, fake presence, and welcoming 2026 1:27 Simplicity in investing and why complexity isn't intelligence 1:44 Morningstar's “simplify your portfolio” claim—skepticism engaged 3:01 Active funds vs. index funds (and Morningstar's awkward contradiction) 3:56 One-fund vs. multi-fund portfolios and why rebalancing is hard 5:24 Target-date funds as delegation for real humans 7:32 Hodgepodge-itis vs. fewer funds, fewer mistakes 8:52 Listener call: Roth IRA for an 8-year-old and AVGE vs. AVGV 12:20 Value tilt, international exposure, and long time horizons 13:44 AVGE vs. AVGV performance—why short-term results don't settle debates 16:57 VT compared to Avantis—diversification without tilts 17:32 Fidelity Zero funds—what's free and what's the catch 20:00 Jason from Sammamish: value, growth, Tesla, and confidence 23:36 SPY vs. SPYM and when cheap is just cheap 25:46 Listener call: escaping a Fidelity managed large-cap portfolio 29:58 What to say when an advisor tries to keep your money 31:24 Jeopardy contestants miss “ETF” (yes, really) 33:46 AVGE vs. VT—tilts, belief systems, and picking your poison Learn more about your ad choices. Visit megaphone.fm/adchoices

Natalie Brunell is joined by Joe Carlasare, commercial litigator, long-time Bitcoiner, and macro analyst, for a discussion on the economy running hot in 2026 and why Bitcoin's traditional four-year cycle may be over. Topics:  Why Bitcoin's 4-year cycle is breaking down Why OG selling at $100K changed the price action Gold vs Bitcoin and capital rotation Why political instability is the real systemic risk Predictions for 2026 Follow Joe Carlasare on X at https://x.com/JoeCarlasare ---- Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to Bitcoin and what's broken in our current financial system: https://amzn.to/3WzFzfU  --- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  ---- Natalie's Bitcoin Product Partners: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Strategy World 2026 in Las Vegas on February 23-26th - Use code HODL for discounted tickets: https://www.strategysoftware.com/world26    Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

Predictions feel comforting—but they're usually nonsense. In this episode, Don and Tom dismantle the illusion of foresight by revisiting last year's loudest economic forecasts around tariffs, inflation, jobs, recessions, and markets. Drawing from a Wall Street Journal retrospective, they show how both political promises and expert predictions missed the mark, with reality landing squarely in the messy middle. The takeaway is classic Talking Real Money: nobody—not economists, not presidents, not pundits, and especially not you—has actionable insight into the future. That's why successful investing isn't about forecasts or hot takes, but about building a diversified portfolio, rebalancing when needed, and tuning out the noise. The episode wraps with listener questions on teen investing accounts and Roth conversion rules, plus a reminder that humility beats hubris every time markets get unpredictable. 0:04 The future is unpredictable—even when we pretend it isn't 0:26 Why we crave predictions and mistake luck for skill 0:53 Being “right” once doesn't mean anything 1:58 Tariffs, Trump, and the great forecasting divide 2:27 Inflation predictions that never showed up 3:53 Jobs, unemployment, and why both sides were wrong 5:49 Who actually paid for tariffs (hint: not who you think) 7:08 Recession fears vs. reality—and the AI wildcard 8:55 Why short-term predictions fail and macro trends survive 10:41 The truth usually lives between the extremes 11:31 Lao Tzu, Yogi Berra, and why nobody knows the future 13:20 The most dangerous “expert” investors trust: themselves 14:43 Listener question: investing for a 16-year-old 17:29 Roth IRA vs. UTMA/UGMA and simple fund choices 18:06 Listener question: Roth conversions and the five-year rule 20:54 Humor, offense, and why everyone needs to lighten up 21:14 RetireMeet 2026 details and special guest preview 23:14 Apella Wealth philosophy and free help reminder 24:39 The number one word of the year (still shocking) Learn more about your ad choices. Visit megaphone.fm/adchoices

How I Invest as a Nurse Practitioner: My Strategy for Financial Freedom In this video, I share my personal investment strategies as a nurse practitioner living in the Bay Area. I discuss the importance of building automated systems over picking stocks and timing the market. I outline the three main investment accounts that I use: my employer-sponsored 403(b), a Roth IRA, and a taxable brokerage account. I also touch on the benefits of each account and how they fit into my overall financial plan. Additionally, I emphasize the importance of consistency over perfection in investing and share how my approach has given me financial flexibility and freedom. Stick around for the next episode where I'll discuss how to increase your income without working more shifts! 00:00 Introduction 00:59 The Power of Automation in Investing 01:20 The Nurse Money Project: A 12-Week Series 02:27 Living and Investing in the Bay Area 03:12 My Simple and Sustainable Investing Philosophy 03:59 Three Key Investment Accounts for Nurses 05:32 Maximizing Retirement Contributions 07:48 The Flexibility of a Taxable Brokerage Account 09:59 Honorable Mention: Investing for Kids 10:39 My Investment Routine and Philosophy 14:53 The Long-Term Goal: Financial Freedom and Flexibility 16:52 Encouragement for New Investors 17:45 Upcoming Topics and Conclusion Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ Download MONARCH MONEY: https://monarchmoney.sjv.io/VxYNjk (affiliate link) Budgeting for Beginners: https://nursingflowsheet.com/budgeting-for-beginners/ ➤ Stock Market Investing for Nurses MASTERCLASS (use code:INVESTREADY) REGISTER HERE: https://www.nursewhoinvests.com/investing101 ➤ FREE INVESTING CLASS FOR NURSES https://www.nursewhoinvests.com/class ➤ Subscribe for more videos about nursing, career growth, and financial freedom!

Coach Pete teams up with CPA Stan Moore to break down the massive tax changes coming in 2026—and who really wins from them. They unpack new deductions, smart tax moves for business owners, and advanced strategies like cost segregation and the backdoor Roth IRA. If you want to keep more of your money, avoid ugly tax surprises, and stay ahead of the IRS, this is an episode you don’t want to miss.See omnystudio.com/listener for privacy information.

Natalie Brunell sits down with her #1 guest, retired U.S. Army Colonel Douglas Macgregor, to unpack an uncomfortable reality: America's national security depends on supply chains tied to China. Decades of money printing and financialization helped create billionaires and politically connected elites while hollowing out the industrial base we'd need in a real crisis. Topics:  Is GOLD the new reserve currency instead of the U.S. Dollar? How reliant the U.S. military and defense industry is on China The reason the U.S. went into Venezuela Why Macgregor sold his bitcoin and thinks he'll be able to buy back at lower prices The "financial armageddon" he believes is coming—and what breaks first Follow Col. Macgregor on X at https://x.com/DougAMacgregor  ---- Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to Bitcoin and what's broken in our current financial system: https://amzn.to/3WzFzfU  --- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  ---- Natalie's Bitcoin Product Partners: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Strategy World 2026 in Las Vegas on February 23-26th - Use code HODL for discounted tickets: https://www.strategysoftware.com/world26    Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

⁠

If you want to skip over some weather banter you can go to (14:15). Chris's SummaryJim and I review Roth IRA mistakes and walk through key rules on earned income eligibility, income limits, spousal contributions, excess contributions, and qualified distributions. We use an Investopedia article as a framework, clarify how MAGI impacts Roth eligibility, explain the October 15 correction deadline, and break down the two-prong test for tax-free Roth earnings withdrawals, including how the five-year rule is measured across tax years. Jim's “Pithy” SummaryChris and I kick off the first EDU show of 2026 by taking an Investopedia piece called “11 Mistakes to Avoid with Your Roth IRA” and using it as our launchpad. We're not reading the article to you—we're breaking down what they got right, what they explained too loosely, and what they left out that changes the meaning. We start with the basics that still trip people up: you need earned income to contribute, and a lot of income that feels “earned” (like dividends, interest, rental income, or IRA distributions) doesn't count. Then we pivot to the opposite problem: earning too much and accidentally making an ineligible Roth contribution because your MAGI crossed the line, often after a late bonus or surprise taxable payout. We get into a category of mistakes that can create problems with the IRS: excess contributions. We walk through how easy it is to overfund a Roth when you have multiple accounts, and why the correction rules matter more than most people realize. We talk about the October 15 deadline, how the custodian won't stop you, and why “removing the excess” isn't always the same as removing what you deposited. We also get into the weird but real quirk where, if you miss the correction deadline, you may only need to remove the excess contribution itself, not the growth tied to it. We also dig into the qualified distribution rules for Roth earnings, because this is where the five-year rule gets misunderstood. The Roth has to be five tax years old, and you need a qualifying condition—59½ is one, but it's not the only one. That's where the article oversimplifies, and where people make avoidable mistakes when taking earnings out too early. Show Notes: Article – 11 Mistakes to Avoid With Your Roth IRA The post Roth IRA Mistakes: EDU #2601 appeared first on The Retirement and IRA Show.

Markets are hitting all-time highs, earnings expectations are rising, and investors are navigating everything from oil prices to Roth conversions. Lance Roberts & Danny Ratliff take live viewer questions and explore the themes investors are most focused on right now. Topics discussed include why earnings may be the primary market driver this year, what recent all-time highs signal for forward returns, and how capital flows are shifting across sectors and asset classes. We also examine oil markets—WTI pricing, energy stocks, Venezuela supply dynamics—and what the “sweet spot” for oil prices means for the broader economy. On the planning side, we address Roth IRA advantages and drawbacks, Roth conversions, RMD considerations, and asset allocation questions across different life stages, including retirement-focused portfolios. Additional discussion covers the growing disconnect between GDP and unemployment data, hidden consumer leverage through buy-now-pay-later programs, and how diversification differs from simply owning non-correlated assets. We also touch on factor rotation, bond ETF structure, metals like gold and silver, and whether certain defensive or out-of-favor sectors may eventually regain investor interest. 0:00 - INTRO 0:18 - Earnings to be The Big Driver this Year 5:45 - Markets Hit All-time Highs 9:23 - Economic Summit Preview & Danny's Holiday Recap 12:25 - WTI, XLE, and Venezuela Oil 17:51 - What is the "Sweet Spot" for Oil Pricing? 21:23 - Tax Advantages - Disadvantages of Roth IRA 24:38 - Where to Look for Capital Flows 27:08 - Roth Conversions & RMD's 28:27 - Commentary - Divergence Between Unemployment & GDP 31:10 - Unrecognized Debt - Buy Now - Pay Later is a Black Box 31:53 - Recommendations for 60-40 Allocations 35:03 - Example of Bond ETF's in SimpleVisor 38:57 - Factor Rotation Portfolio 41:54 - Diversification vs Non-Correlated Assets 44:46 - Silver, Gold, & Other Metals 45:51 - Back Door Roth Conversions 47:30 - Asset Allocations for Septuagenarians 50:18 - Are Packaged Food stocks Ever Coming Back? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=EGgxAtaZIOI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Sector Rotation Signals Improving Market Breadth," is here: https://www.youtube.com/watch?v=R8z27km9G1M&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Financial Nihilism vs. Financial Planning," here: https://www.youtube.com/watch?v=-1qXRp9gLoc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #StockMarketToday #MarketRisk #VIX #PortfolioManagement

Markets are hitting all-time highs, earnings expectations are rising, and investors are navigating everything from oil prices to Roth conversions. Lance Roberts & Danny Ratliff take live viewer questions and explore the themes investors are most focused on right now. Topics discussed include why earnings may be the primary market driver this year, what recent all-time highs signal for forward returns, and how capital flows are shifting across sectors and asset classes. We also examine oil markets—WTI pricing, energy stocks, Venezuela supply dynamics—and what the "sweet spot" for oil prices means for the broader economy. On the planning side, we address Roth IRA advantages and drawbacks, Roth conversions, RMD considerations, and asset allocation questions across different life stages, including retirement-focused portfolios. Additional discussion covers the growing disconnect between GDP and unemployment data, hidden consumer leverage through buy-now-pay-later programs, and how diversification differs from simply owning non-correlated assets. We also touch on factor rotation, bond ETF structure, metals like gold and silver, and whether certain defensive or out-of-favor sectors may eventually regain investor interest. 0:00 - INTRO 0:18 - Earnings to be The Big Driver this Year 5:45 - Markets Hit All-time Highs 9:23 - Economic Summit Preview & Danny's Holiday Recap 12:25 - WTI, XLE, and Venezuela Oil 17:51 - What is the "Sweet Spot" for Oil Pricing? 21:23 - Tax Advantages - Disadvantages of Roth IRA 24:38 - Where to Look for Capital Flows 27:08 - Roth Conversions & RMD's 28:27 - Commentary - Divergence Between Unemployment & GDP 31:10 - Unrecognized Debt - Buy Now - Pay Later is a Black Box 31:53 - Recommendations for 60-40 Allocations 35:03 - Example of Bond ETF's in SimpleVisor 38:57 - Factor Rotation Portfolio 41:54 - Diversification vs Non-Correlated Assets 44:46 - Silver, Gold, & Other Metals 45:51 - Back Door Roth Conversions 47:30 - Asset Allocations for Septuagenarians 50:18 - Are Packaged Food stocks Ever Coming Back? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=EGgxAtaZIOI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Sector Rotation Signals Improving Market Breadth," is here: https://www.youtube.com/watch?v=R8z27km9G1M&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Financial Nihilism vs. Financial Planning," here: https://www.youtube.com/watch?v=-1qXRp9gLoc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #StockMarketToday #MarketRisk #VIX #PortfolioManagement

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. George C. Fraser. Chairman & CEO of FraserNet, Inc. Purpose of the Interview The interview aimed to: Promote financial literacy, wealth-building strategies, and entrepreneurial thinking within the Black community. Share actionable steps for creating generational wealth and economic empowerment. Highlight FraserNet’s mission to foster networking, education, and business development for people of African descent. Key Takeaways Knowledge & Execution Are Critical “My people perish for lack of knowledge”—Dr. Fraser emphasizes that progress requires knowledge and execution, not just protest. Rejecting knowledge leads to stagnation; skill-building and financial education are essential. Entrepreneurial Thinking vs. Entrepreneurship Focus on taking ownership and responsibility for your life. Entrepreneurial thinking can evolve into entrepreneurship, creating jobs and wealth for the community. Black Economic Empowerment By the end of the 21st century, Black people must become the #1 employer of Black people, mirroring other ethnic groups. This requires sacrifice, planning, and multiple income streams. Practical Wealth-Building Steps Open a high-interest savings account and start with $100. Buy stocks in companies you use (Nike, McDonald’s, Home Depot). Open or maximize 401(k), IRA, or Roth IRA contributions. Improve credit score by 20 points every six months until above 700. Pay $50 above minimum payments on credit cards and loans to reduce payoff time. Research term vs. whole life insurance—insurance is key for wealth transfer. Start a 529 college plan or Roth IRA for children. Gift U.S. Treasury bonds or indexed universal life policies for grandchildren. Generational Wealth & Insurance 60% of wealth transfer occurs through proper insurance planning. Example: Indexed universal life policies can yield millions tax-free for future generations. Seven Streams of Income Earned income (jobs), Profit income (buying/selling), Interest income, Dividend income, Rental income, Capital gains, Royalty income. Goal: Add a new income stream every year. Mindset Shift “The rich stay rich by pretending to be poor; the poor stay poor by pretending to be rich.” Focus on winning, not looking like you’re winning. Giving Wealth Support Black-owned businesses, restaurants, salons, authors. Volunteer, tithe, and donate to HBCUs. Encourage and uplift Black men, women, and children. Notable Quotes “We are suffering because we cannot see our problems clearly.” “Execution, execution, execution—protest without execution is meaningless.” “To be gifted, Black, and beautiful means nothing unless you are Black and powerful.” “Don’t quit your job until your side income covers twice your monthly expenses.” “White folks plan for three generations; we plan for Saturday night.” “Money attracts money—start with $100 in a savings account.” “There should not be a Negro in America with a single stream of income.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. George C. Fraser. Chairman & CEO of FraserNet, Inc. Purpose of the Interview The interview aimed to: Promote financial literacy, wealth-building strategies, and entrepreneurial thinking within the Black community. Share actionable steps for creating generational wealth and economic empowerment. Highlight FraserNet’s mission to foster networking, education, and business development for people of African descent. Key Takeaways Knowledge & Execution Are Critical “My people perish for lack of knowledge”—Dr. Fraser emphasizes that progress requires knowledge and execution, not just protest. Rejecting knowledge leads to stagnation; skill-building and financial education are essential. Entrepreneurial Thinking vs. Entrepreneurship Focus on taking ownership and responsibility for your life. Entrepreneurial thinking can evolve into entrepreneurship, creating jobs and wealth for the community. Black Economic Empowerment By the end of the 21st century, Black people must become the #1 employer of Black people, mirroring other ethnic groups. This requires sacrifice, planning, and multiple income streams. Practical Wealth-Building Steps Open a high-interest savings account and start with $100. Buy stocks in companies you use (Nike, McDonald’s, Home Depot). Open or maximize 401(k), IRA, or Roth IRA contributions. Improve credit score by 20 points every six months until above 700. Pay $50 above minimum payments on credit cards and loans to reduce payoff time. Research term vs. whole life insurance—insurance is key for wealth transfer. Start a 529 college plan or Roth IRA for children. Gift U.S. Treasury bonds or indexed universal life policies for grandchildren. Generational Wealth & Insurance 60% of wealth transfer occurs through proper insurance planning. Example: Indexed universal life policies can yield millions tax-free for future generations. Seven Streams of Income Earned income (jobs), Profit income (buying/selling), Interest income, Dividend income, Rental income, Capital gains, Royalty income. Goal: Add a new income stream every year. Mindset Shift “The rich stay rich by pretending to be poor; the poor stay poor by pretending to be rich.” Focus on winning, not looking like you’re winning. Giving Wealth Support Black-owned businesses, restaurants, salons, authors. Volunteer, tithe, and donate to HBCUs. Encourage and uplift Black men, women, and children. Notable Quotes “We are suffering because we cannot see our problems clearly.” “Execution, execution, execution—protest without execution is meaningless.” “To be gifted, Black, and beautiful means nothing unless you are Black and powerful.” “Don’t quit your job until your side income covers twice your monthly expenses.” “White folks plan for three generations; we plan for Saturday night.” “Money attracts money—start with $100 in a savings account.” “There should not be a Negro in America with a single stream of income.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

YMYW friends, welcome to 2026. What actually mattered most to you in 2025? It turns out to be tax-free gains on investments, retirement timing, and claiming Social Security. Today on Your Money, Your Wealth® podcast number 563, Joe Anderson, CFP® and Big Al Clopine, CPA break down the smartest tax moves, the biggest Roth mistakes to avoid, and how real people solve real retirement problems - with the help of special guests Susan Brandeis CFP® and the IRA guru, Ed Slott, CPA. Find out when Roth conversions help or hurt, how to lower lifetime taxes for you and your heirs, what it really takes to retire confidently, even without a massive portfolio, and more. Watch or listen and steal the financial strategies that made YMYW's most popular episodes of the year.  Free Financial Tools & Resources in This Episode: https://bit.ly/ymyw-563 (full show notes & episode transcript) The Complete Roth Papers Package - 3 free downloads in one! Don't Let These 10 Risks Break Your Retirement - YMYW TV Financial Blueprint (self-guided) EASIRetirement (self-guided) Financial Assessment (Meet with an experienced professional) LISTEN to the Best of the YMYW Podcast 2021,  2022,  2023, 2024 LISTEN to the Top Funniest Moments from the YMYW Podcast Vol. 1, Vol. 2 REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:54 - Roth IRA is "The Greatest Account Ever" Per Ed Slott. But Why? from ep. 526: YMYW most listeners and plays in 2025 on Apple Podcasts, YMYW most downloaded in 2025 across all podcast platforms 20:46 - Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ) from ep. 535: YMYW most views, watch time, and new subscribers in 2025 on YouTube, most engaged listeners in 2025 on Apple Podcasts 32:13 - Roth Conversions vs. Taking Advantage of Zero Percent Cap Gains (Skipper, CA) from ep. 517: YMYW most consumed episode in 2025 on Apple Podcasts 43:06 - We're in Our Early 40s with $795K Saved. Can We Retire at 55? (Mr Buckeye, OH) from ep. 546: YMYW longest average view duration in 2025 on YouTube 55:12 - Is My Husband Eligible for Spousal Social Security Benefits Now that WEP and GPO Are Gone? (Cherilyn, El Cajon, CA) from ep. 536: YMYW most plays, most listeners, and most viewers in 2025 on Spotify 59:53 - Outro: 2025 Stats and Next Week on the YMYW Podcast

In this episode of Coin Stories, Natalie Brunell is joined by Jeff Booth, author of The Price of Tomorrow, for a deep conversation about why what we call "capitalism" has never truly existed. We discuss: The truth behind rising prices & declining quality Myths of the free market and deflation How Bitcoin could reshape economic incentives The difference between capitalism and crony capitalism The impact of government regulation: does it really protect us? Why monopolies are incompatible with a truly free market Watch our first masterclass on inflation: https://www.youtube.com/watch?v=7tQIGuCyOHQ  Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to Bitcoin and what's broken in our current financial system: https://amzn.to/3WzFzfU  --- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  ---- Natalie's Bitcoin Product Partners: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Strategy World 2026 in Las Vegas on February 23-26th - Use code HODL for discounted tickets: https://www.strategysoftware.com/world26  Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. George C. Fraser. Chairman & CEO of FraserNet, Inc. Purpose of the Interview The interview aimed to: Promote financial literacy, wealth-building strategies, and entrepreneurial thinking within the Black community. Share actionable steps for creating generational wealth and economic empowerment. Highlight FraserNet’s mission to foster networking, education, and business development for people of African descent. Key Takeaways Knowledge & Execution Are Critical “My people perish for lack of knowledge”—Dr. Fraser emphasizes that progress requires knowledge and execution, not just protest. Rejecting knowledge leads to stagnation; skill-building and financial education are essential. Entrepreneurial Thinking vs. Entrepreneurship Focus on taking ownership and responsibility for your life. Entrepreneurial thinking can evolve into entrepreneurship, creating jobs and wealth for the community. Black Economic Empowerment By the end of the 21st century, Black people must become the #1 employer of Black people, mirroring other ethnic groups. This requires sacrifice, planning, and multiple income streams. Practical Wealth-Building Steps Open a high-interest savings account and start with $100. Buy stocks in companies you use (Nike, McDonald’s, Home Depot). Open or maximize 401(k), IRA, or Roth IRA contributions. Improve credit score by 20 points every six months until above 700. Pay $50 above minimum payments on credit cards and loans to reduce payoff time. Research term vs. whole life insurance—insurance is key for wealth transfer. Start a 529 college plan or Roth IRA for children. Gift U.S. Treasury bonds or indexed universal life policies for grandchildren. Generational Wealth & Insurance 60% of wealth transfer occurs through proper insurance planning. Example: Indexed universal life policies can yield millions tax-free for future generations. Seven Streams of Income Earned income (jobs), Profit income (buying/selling), Interest income, Dividend income, Rental income, Capital gains, Royalty income. Goal: Add a new income stream every year. Mindset Shift “The rich stay rich by pretending to be poor; the poor stay poor by pretending to be rich.” Focus on winning, not looking like you’re winning. Giving Wealth Support Black-owned businesses, restaurants, salons, authors. Volunteer, tithe, and donate to HBCUs. Encourage and uplift Black men, women, and children. Notable Quotes “We are suffering because we cannot see our problems clearly.” “Execution, execution, execution—protest without execution is meaningless.” “To be gifted, Black, and beautiful means nothing unless you are Black and powerful.” “Don’t quit your job until your side income covers twice your monthly expenses.” “White folks plan for three generations; we plan for Saturday night.” “Money attracts money—start with $100 in a savings account.” “There should not be a Negro in America with a single stream of income.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Start your 2026 investing strategy with smarter moves, fewer fees, and less stress when markets get rocky. How should you invest in 2026 if tech stocks keep dominating the market? What's a smart checklist for leveling up your investing this year? Hosts Sean Pyles and Elizabeth Ayoola discuss diversification and investing tools to help you grow your wealth with a plan you can stick to. Then investing writer Alana Benson joins them to unpack what 2025's market swings can teach you, how to diversify beyond mega-cap tech stocks (including options like equal-weight funds), and how to choose the right account and platform while keeping fees and taxes in mind. Check out NerdWallet's Best-Of Awards: https://nerdwallet.com/awards  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: stock market 2026, how to start investing, passive investing, index funds, S&P 500, Magnificent 7, AI stock bubble, rebalancing portfolio, asset allocation, stocks vs bonds allocation, long-term investing, market volatility, timing the market, brokerage account, best brokerage for beginners, best investing app, best robo-advisor, Fidelity investing, Interactive Brokers, Wealthfront robo advisor, ETFs, target date fund, robo-advisor, IRA contribution limit 2026, Roth IRA, traditional IRA, SEP IRA, 401k match, 529 plan, college savings plan, and retirement investing. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Money Matters, Scott and Pat tackle real-world financial planning questions from callers at very different life stages. One listener, with over a million dollars in assets, asks whether he should prioritize his 401(k) or a Roth IRA. The conversation dives into smart strategies for high-net-worth investors, addressing how to balance tax efficiency, retirement goals, and current lifestyle needs. Scott and Pat also explain how financial planning helps clarify trade-offs between spending now and securing your future. Whether you're looking for smarter retirement contributions or long-term portfolio strategy, this episode delivers actionable advice with a conversational tone. Discover how financial planning evolves with your income, assets, and goals. 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.

Our first program of 2026 features Growth Stock picks, including some "out of the box" Data Center plays, and high-quality Value Stock picks.   We also cover the newly announced contribution limits for your 2026 401k, Roth and Traditional IRAs.

Learn how to tie your 2026 money goals to your values so you can stick with them all year. How can you match your 2026 money goals to what you really care about? And how do you turn those goals into a plan you'll actually follow? Hosts Sean Pyles and Elizabeth Ayoola discuss values-based money planning and goal-setting frameworks to help you build a realistic, meaningful financial plan for the new year. They begin with a discussion of centering money goals on your core values, with tips and tricks on identifying what matters most (like freedom, community, or adventure), translating those values into goals such as paying off a car loan or saving for early retirement, and aligning your saving, spending, giving and fun money with the life you actually want to live. Along the way, they share their own 2026 goals, from boosting emergency funds and increasing income to opening “fun money” and giving accounts and navigating a tough housing market and crypto temptations highlighted in NerdWallet's 2026 Financial Outlook Survey. Then, Sean and Elizabeth discuss how to move from big dreams to daily action using the SMART — and SMARTER — goal framework. They discuss how to break large goals (like maxing a Roth IRA or saving for a big event) into monthly and per-paycheck targets, how to make goals specific, measurable, attainable, relevant and time-bound, and how to build in personal rewards so sticking to your plan actually feels good. They also cover getting comfortable with the discomfort of change, planning for curveballs like impulse spending and surprise kid or car expenses, and using tools like high-yield savings accounts and multiple sinking funds (yes, even for summer camp) so you can absorb surprises without blowing up your 2026 money plan. NerdWallet 2026 Financial Outlook Survey: https://www.nerdwallet.com/finance/studies/2026-consumer-outlook-report  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: new year financial goals, 2026 financial goals, how to set financial goals, SMART goals for money, SMARTER goals framework, values based budgeting, align money with values, paying off car loan early, early retirement savings rate, FIRE retirement plan, increase my income 2026, emergency fund savings, sinking funds examples, fun money account, high yield savings account, giving fund for charity, support local community with money, starting a business in 2026, investing in crypto 2026, Dogecoin investing, buying a house in 2026, saving for a house down payment, NerdWallet 2026 financial outlook survey, impulse spending help, budget for summer camp, planning for surprise bills, Roth IRA contribution 2026, break big goals into small steps, reward yourself for saving, how to stick to money goals To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

What actually shapes life in retirement—your finances, your relationships, or both? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase walk through new research on happiness in retirement and unpack several financial and economic topics that often come up in retirement planning conversations. • Share findings from a 2025 Money and Happiness in America study that looks at how social connection is commonly linked to reported retirement satisfaction. • Talk through research showing how the number of close personal relationships is often discussed when measuring happiness among retirees. • Reflect on how American friendships have changed over time and why staying socially connected is frequently part of retirement lifestyle discussions. • Put into context recent government jobs reports by explaining what unemployment and labor-market numbers generally indicate. • Walk through estate-planning considerations around life insurance, guardians, and trustees that many families review over time. • Cover the core factors people often look at when evaluating bond funds, including yield, duration, expenses, and benchmarks. • Discuss how Roth IRAs, traditional IRAs, brokerage accounts, and HELOCs are commonly weighed when addressing short-term cash needs during real-estate transitions. • Answer listener questions about Roth IRA contributions, in-plan conversions, account-funding priorities, and retirement-plan considerations when changing jobs. The episode keeps the focus on education, context, and real-world questions retirees and pre-retirees are already asking. Listen and subscribe to the Retire Sooner Podcast for ongoing conversations that connect money, lifestyle, and long-term planning—without the hype. Learn more about your ad choices. Visit megaphone.fm/adchoices

Can you believe it's 2026 already?? Ready or not here we go! In this episode, I'm sharing the updated tax brackets, standard deductions, capital gains brackets, IRMAA brackets, provisional income brackets, and more.

As we begin the new year, this New Year's Day market outlook takes a balanced, risk-aware look at what 2026 may hold for investors. Lance Roberts & Danny Ratliff examine the bullish case for markets, including the macro and technical backdrops supporting higher prices, while also addressing the growing risks beneath the surface—particularly stress in credit markets and the potential for lower long-term returns. The discussion explores how elevated valuations, tighter financial conditions, and shifting economic dynamics could impact portfolio outcomes in the year ahead. We also outline practical investment strategies for 2026, including why cash can provide valuable optionality during periods of volatility and uncertainty. Additional topics include a preview of the 2026 Economic Summit, sector opportunities such as energy, expectations for gold and silver, and a critical discussion of which investments may be inappropriate to hold inside a Roth IRA structure. This episode is designed to help investors set realistic expectations, manage risk, and position portfolios thoughtfully for the year ahead. 0:00 - INTRO 0:18 - Market Outlook for 2026 2:12 - The Case for Bullishness 7:15 - The Risk for Lower Returns 9:44 - The Case for Bearishness 13:24 - Stress in Credit markets 15:33 - Investing Strategies for 2026 20:40 - Cash Provides Optionality 23:48 - 2026 Economic Summit Preview 29:17 - Energy Plays for 2026 32:20 - Expectations for Gold and Silver in 2026 39:15 - What Investments Should NOT Be Held in a Roth IRA? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=x5ZwEVKb4e0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Marketing for Financial Advisors in the AI Age - Greg Joslyn Interview," here: https://youtube.com/live/Rz5VtHnobEk?feature=share -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #2026MarketOutlook #InvestingStrategy #MarketRisk #PortfolioManagement #FinancialPlanning

David McKnight addresses a brand new proposal that could transform the way Americans use Roth IRAs and Roth 401(k) – and that could have serious implications for your retirement flexibility, liquidity, and long-term tax strategy. With the current status quo, if a person has money in a 401(k) or even a Roth 401(k), they can usually roll it out into an IRA when they retire or leave their job. However, money can't roll the other direction: you can't take a Roth IRA and move it into a Roth 401(k)... A new bipartisan bill introduced by Republican Representative Darin LaHood and Democrat Representative Linda Sánchez aims to change that. Under this proposal, you could roll your Roth IRA into an employer-sponsored Roth account like a Roth 401(k), a Roth 403(b) or even a Roth 457 plan. This change could mean less paperwork, potentially lower fees, and a simpler investment picture. David cites simplicity, cost and protection as a few of the reasons why lawmakers may want this bill to pass. One of the incentives for Washington may have to do with the fact that encouraging people to use Roth accounts – which are taxed up front – can generate more short-term tax revenue for the government. Everything isn't as good as it seems, though. David lists a few of the trade-offs involved with this potential change. Firstly, loss of control. When your money is in a Roth IRA, you can invest it wherever you want: Index funds, EFTs, individual stocks, and more. With an employer plan, your investment menu would be limited by the options the plan administrator offers. The so-called Five-Year Rule is another aspect worth considering. Typically, every Roth account has to be open for at least five years or until 59 ½, whichever is later, before earnings can be withdrawn tax-free.  Here's the tricky part: Each different kind of Roth account has its own five-year clock. This could turn into a logistical nightmare for plan administrators. David shares some final considerations regarding who would benefit and who may get negatively affected by the proposed bill and points out that "Not all Roths are created equal."     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Darin LaHood Linda Sánchez Employment Retirement Income Security Act (ERISA)

In the final episode of 2025, Jason and Jeff empty the mailbag to answer listener questions about managing sudden wealth, tax strategies, and portfolio management. They debate the pros and cons of rebalancing versus letting your winners run (featuring a look at Jason's highly concentrated Roth IRA) and discuss how to handle a financial windfall like an inheritance. The hosts also break down the risks of complex conglomerates like Brookfield, analyze whether MTY Food Group is a value play or a value trap, and give their unfiltered take on whether recent political news finally makes Cannabis stocks investable.00:23 Listener Mailbag and Community Engagement03:09 First Listener Question: Balancing Financial Results and Industry Knowledge06:50 Using AI Tools for Investment Research08:27 Real-World Examples and Industry Research11:04 Brookfield Corporation: Legal Issues and Investment Risks14:50 MTY Foods: Cash Flow and Investment Potential22:28 Rebalancing Portfolios: Strategies and Considerations26:10 Risk Management in Asset Allocation26:54 Personal Investment Stories and Lessons28:21 Strategies for 401k, Roth, and Brokerage Accounts37:29 Handling Inheritance and Tax Implications45:26 Investing in Cannabis Stocks50:54 Conclusion and Viewer EngagementCompanies mentioned: AEO, AMZN, BN, CAVA, CMG, CRWD, CTRE, DRI, EAT, EPR, GOOGL, LOB, MCD, MELI, MO, MTY, NFLX, NUE, STLD, TAP, TSM, YUM*****************************************Join our PatreonSubscribe to our portfolio on Savvy Trader *****************************************Email: investingunscripted@gmail.comTwitter: @InvestingPodCheck out our YouTube channel for more content: ******************************************To get 15% off any paid plan at fiscal.ai, visit https://fiscal.ai/unscripted******************************************Listen to the Chit Chat Stocks Podcast for discussions on stocks, financial markets, super investors, and more. Follow the show on Spotify, Apple Podcasts, or YouTube******************************************The Smattering Six2025 Portfolio Contest2024 Portfolio Contest2023 Portfolio Contest

As the year crawls to a close, Don and Tom torch the ritual of “New Year, New You” financial advice and take aim at the endless lists of five things you must do next year. They break down why year-end deadlines are mostly psychological theater, why prediction-based investing is a sucker's game, and how even AI—when pressed—admits the truth: diversification beats cleverness, patience beats prediction, and complexity usually hides higher costs and worse outcomes. Along the way, they tackle 529 plans, proposed “Trump accounts,” Roth strategies for kids and retirees, factor investing myths, and the ongoing media obsession with whatever already went up last year. It's a holiday episode for skeptics, cynics, and anyone tired of being told that this is finally the year everything changes. 0:04 Holiday cynicism, snow, trees plotting revenge, and Don declares war on Pollyanna finance 1:19 Year-end obsession: why December 31 is an arbitrary psychological trap 2:29 Why “five things to do in the new year” articles exist—and why they're mostly nonsense 3:55 Asking AI for financial advice and accidentally getting decent answers 4:18 Don's AI delivers brutal honesty: complexity isn't sophistication, it's camouflage 5:54 The most dangerous question of all: “What should I invest in next year?” 6:06 Everyone's favorite prediction: AI stocks (again), and why that's backward logic 6:29 The real answer: globally diversified equities, patiently held and largely ignored 8:07 Motley Fool, Morningstar, defense stocks, and the annual prediction circus 9:29 AI's final verdict: everything after diversification is garnish people argue about on TV 10:33 Listener Brian on New York 529 plans, state tax deductions, and Roth rollover flexibility 11:30 How aggressive is too aggressive for a child's college savings? 12:45 Why age-based 529 portfolios are often far more conservative than parents realize 14:10 When college money should actually shift to safety—and when it shouldn't 15:43 The mysterious “Trump accounts”: proposed rules, confusion, and missing details 16:56 Tax treatment uncertainty, Roth myths, and why free money is still free money 18:39 Clear conclusion: this account doesn't exist yet and nobody knows the real rules 20:05 Don's full rant: pandering policies, financial clutter, and unnecessary complexity 22:07 Listener Larry on starting a Roth IRA for a 19-year-old with a one-fund solution 22:47 AVGE explained: global, factor-tilted, low-cost, and boring in the best way 24:15 AVGE vs. Vanguard Total World: interest vs. necessity 25:26 AVGE underperformance criticism and why one-year returns are meaningless 28:26 Why Avantis funds aren't trying to “pick winners” and never claimed to 31:32 Listener Caroline on retirement withdrawals, IRAs, Roths, and tax reality 33:11 The unavoidable truth: you'll pay taxes—now or later 35:43 How (and where) listeners can actually rate the show 38:01 Politics, labels, John Oliver, and why nuance is apparently illegal now 38:54 Capitalism, fairness, and refusing ideological purity tests Learn more about your ad choices. Visit megaphone.fm/adchoices

Filing taxes married filing separately can be one of the most powerful tools for lowering income-driven student loan payments. But it's also one of the easiest ways to make costly mistakes if you're not careful. Meagan McGuire, CFP®, ChFC®, CSLP®, walks through what borrowers need to double-check before tax season hits. You'll learn when filing separately actually saves money, when it backfires, and how community property states completely change the math. Key moments: (05:32) Why married filing separately can dramatically lower IDR payments (09:58) Real numbers: comparing tax cost vs. student loan savings (17:28) The Roth IRA trap many married borrowers miss (23:37) Why community property states often create extra student loan savings   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Learn how to explore your money beliefs and take real steps toward saving and investing, even on a tight income. What's really behind your money habits? How can you build savings and invest if you're not earning much? Hosts Sean Pyles and Elizabeth Ayoola discuss how your relationship with money shapes your financial behaviors and what you can do to change that narrative. Joined by Shannah Game, host of Everyone's Talkin' Money and author of Unraveling Your Relationship with Money, they begin with a discussion of how money beliefs form in childhood, how your body gives clues about financial stress, and how weekly “money dates” can help shift your mindset, spending, and long-term financial outcomes. Then, Katie, a listener navigating a career change and major life transition, joins Sean and Elizabeth to discuss budgeting on a lower income and how to make progress on both emergency savings and retirement. They discuss how to build an emergency fund with irregular income, when and how to roll over 403(b) accounts into an IRA, and how to invest small amounts without feeling discouraged. The conversation also covers tools like the 50/30/20 budget and NerdWallet's retirement calculator to help Katie — and listeners like her — build a path forward, even if they feel like they're starting late. Are you on track to save enough for retirement? Use NerdWallet's free retirement calculator to check your progress, see how much retirement income you'll have and estimate how much more you should save: https://www.nerdwallet.com/calculator/retirement-calculator  NerdWallet's roundup of the best IRA accounts: https://www.nerdwallet.com/best/investing/ira-accounts  In their conversation, the Nerds discuss: how to fix your relationship with money, money beliefs, financial trauma, budgeting on low income, how to start saving money, emotional spending, how to invest with little money, financial self-awareness, weekly money date, how much to save for emergencies, what is a 403b, 403b rollover to IRA, Roth IRA vs traditional IRA, how to track spending, how to set money goals, compound interest explained, how to save for retirement in your 30s, moving in with a partner finances, financial independence, personal finance for late starters, how to handle a career pivot financially, how to build an emergency fund, aligning spending with goals, how to start investing in your 30s, best IRAs for beginners, saving vs investing priorities, high-yield savings account, budgeting tools for beginners, financial planning on hourly wages, financial literacy basics, how to track expenses, how to make money habits stick, celebrating financial wins, how childhood affects money habits, somatic responses to money, financial therapy, how to stop money anxiety, 50/30/20 budget rule, NerdWallet retirement calculator. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Is 2026 the year you finally take control of your military finances? With a 3.8% pay raise, new TSP contribution limits of $24,500, and proven strategies that helped one E-7 reach $600,000 in net worth by year 14, Spencer and Jamie break down exactly how to build wealth while serving, even if you're starting from scratch or recovering from financial setbacks. In this episode, we provide a comprehensive 2026 financial reset for military families, covering everything from emergency funds and debt payoff to maxing tax-advantaged accounts and avoiding lifestyle creep. Perfect for anyone wanting to turn the new year into a fresh financial start. Main Discussion Points Know Where You Are Before You Start Track your spending using apps like Monarch Money, YNAB, Rocket Money, or simple spreadsheet Face your financial reality- write down all debt and net worth even if it's negative Government shutdown proved why emergency funds matter: 3-6 months of expenses minimum Example: $500 car repair covered by emergency fund eliminated stress entirely Unique Military Financial Advantages Tax-free income: BAH, BAS, COLA not subject to federal income tax or payroll taxes (7%+ savings) State tax residency: Change to tax-free state (Texas, Florida, etc.) when stationed there! Spouse can too under Military Spouse Residency Relief Act TSP match: 5% automatic match after 2 years for BRS members. Don't leave free money on table Healthcare and housing covered through Tricare and BAH/base housing Example: Saving $300/month by changing state residency adds up to thousands annually 2026 Numbers to Know TSP contribution limit: $24,500 (up from previous year) TSP annual additions limit: $72,000 (includes match and combat zone contributions) Roth IRA limit: $7,000 per person ($14,000 for married couples, even if spouse doesn't work) Military pay raise: 3.8% coming. Automate at least 1% of increase into TSP E6 with 8+ years gets roughly $150-180/month extra income from pay raise Priority Order for Tax-Advantaged Accounts Contribute 5% to TSP (get full government match for BRS members) Max Roth IRA: $7,000 for you, $7,000 for spouse Go back and max TSP at $24,500 Only then consider taxable brokerage accounts Total to max everything: $48,500 for married couples Don't stress if you can't max—contributing 10-20% is still excellent and beats average American 5% savings rate Invest Simply Using LADS Method Low-cost, Automated, Diversified, Simple TSP Lifecycle 2075 fund: 60% US stocks, 40% international, minimal bonds—perfect set-it-and-forget-it option Alternative: 80% C Fund, 10% S Fund, 10% I Fund Don't performance chase because last year's winner often becomes next year's loser Boring is beautiful in investing. Let it compound for 20 years Path to Military Millionaire Status E7 example: $500/month starting as E3, by age 45 = $1 million at 7% return Real example from Reddit: E7 with 14 years, $600,000 saved, contributing $20-25k/year In 10 years that E7 will have $1.2 million just from money already contributed (before new contributions) Add military pension: $30k/year plus $40k from 4% rule = $70k annual income in retirement Time is your biggest asset. US stock market doubles roughly every 7-10 years Common Mistakes to Avoid in 2026 Not contributing to TSP at all (minimum 5%, goal 15%+) TSP loans for non-emergencies...change behavior instead New car trap: 7-year car loans becoming standard, shooting yourself in financial foot Lifestyle creep: Give half of pay raise to savings, half to lifestyle improvements Waiting for "perfect time." Spoiler: there's never a perfect time. Start this weekend Capture Free Money Review LES monthly for accuracy File paperwork for CZTE, hostile fire pay, family separation allowance Follow up with finance multiple times if needed. Don't give up on money you're owed Request corrected W2s if aircrew touching tax-free zones in Nov/Dec Spencer recovered $20,000+ over career by being persistent with finance Take Action Now Schedule family money meeting. Make it a priority! Hire babysitter if needed, dedicate one hour Write down all debt on paper: credit cards, student loans, auto loans Acknowledge it's overwhelming but necessary to move forward Resources: Dave Ramsey's Total Money Makeover or Ramit Sethi's I Will Teach You to Be Rich Resources & Links Budgetting and tracking: Monarch Money, YNAB (You Need A Budget), Rocket Money, Every Dollar Credit card offers: Card Pointers Chrome plugin Free books: Libby app + MWR library on base Military Money Manual by Spencer Reese Selected as US Air Force Academy Class of 2023 graduating gift Dave Ramsey's Total Money Makeover Ramit Sethi's I Will Teach You to Be Rich and Money for Couples TSP match/max charts by rank The Money Guy Show: Financial Order of Operations   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

In this episode we answer emails from Tyler, Michael and Jon.  We discuss managing an inherited Roth across a 10-year window and related questions, compare VXUS to targeted international tilts, tax and asset location considerations for traditional and Roth IRAs, and talk about some of the basic ideas for achieving higher safe withdrawal rates.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterGolden Ratio Portfolio Article:  Beautiful Constants and the Golden Ratio Portfolio – Portfolio ChartsAfford Anything Podcast #618:  They Ran Out of Money. I Didn't. Here's Why.Slide Deck:  Afford Anything Episode 618 RPR Basics Slide Deck.pdf - Google DriveVideo Summary:  Afford Anything Episode 618 Video Summary.mp4 - Google DriveAfford Anything Risk Parity Portfolio Blueprint:  Afford Anything frank-vasquez-risk-parity-portfolio-BluePrint.pdf - Google DriveBigger Pockets Money Podcast:  The Secret to a 5% Safe Withdrawal Rate | Frank VasquezSlide Deck:  BP Money Interview Slide Deck.pdf - Google DriveVideo Summary:  BP Money 5 Pct Withdrawals (F. Vasquez).mp4 - Google DriveBreathless Unedited AI-Bot Summary:A surprise inheritance, a strict 10-year clock, and a plan that has to work through whatever the market throws at it—this conversation tackles the decisions that actually move the needle. We break down a practical approach to managing an inherited Roth IRA, why delaying withdrawals can preserve tax-free growth, and how to separate speculation from your core allocation so one risky bet doesn't hijack your entire plan. Along the way, we show how risk parity portfolios lower sequence-of-returns risk and why the best “edge” is often calm structure, not prediction.We dig into tax location with real-world transitions in mind. During your working years, most of the portfolio belongs in equities; the puzzle appears when you move toward retirement and spread assets across bonds and diversifiers. That's where location shines: place ordinary-income-heavy assets in traditional accounts, keep the highest-growth assets in Roth, and avoid turning your taxable account into a tax drag. We also talk about securities-backed lines of credit and why reducing portfolio volatility can materially lower margin stress when you're funding future purchases like rentals.If international stocks feel like a copy of your U.S. exposure, they probably are. We explain how currency drives much of the U.S. vs ex-U.S. gap and why targeted tilts—international large cap growth and small cap value—can be a more effective pairing than broad VXUS. Then we tackle illiquid plays and limited partnerships: categorize by the underlying asset, respect rebalancing limits, and treat truly illiquid positions as separate businesses with independent cash flows.Support the show

In this episode we tackle more of your questions, starting with a look into Roth strategy, including how TSP Roth in-plan conversions work and what to consider when converting a traditional IRA to a Roth IRA and paying the resulting tax bill. We then briefly hear from our friends at Fox CPAs. From there we shift to 529 plans and explore how to use them effectively, what to do if they become overfunded, and whether having too much in a 529 is really a problem at all. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #451 01:34 When to Take Your Social Security 09:55 Student Loan Update 22:43 TSP Roth Conversions 27:22 Large Roth Conversions 31:00 Fox & Company CPAs Interview 42:51 Overfunded 529 Accounts 53:45 529 & HSA Reimbursement Timing

Learn the truth behind myths about building wealth, plus hear from a couple looking to align on  financial goals and values. Can you build wealth without starting a business? How can couples figure out what to do with extra money in their budget? Hosts Sean Pyles and Elizabeth Ayoola share their “money hot takes” and then talk to a married couple about how they can better align on financial priorities. Sean and Elizabeth kick off the episode with their thoughts on how to become a millionaire without needing to own your own business and why they believe consistent investing from a 9-to-5 job can help you grow your wealth. Plus are Roth IRAs overrated? They might be when compared to Roth 401(k)s. Then, listeners Naomi and Andrew join Sean and Elizabeth to discuss how couples can align on their financial goals. They talk through how to define shared values, balance short- and long-term priorities, and decide how to use some new room in their budget wisely, including strategies for emergency funds, retirement, and kids' future savings. NerdWallet's list of the best savings accounts: https://www.nerdwallet.com/best/banking/savings-accounts  Get matched with a financial advisor by using NerdWallet Advisors Match: https://www.nerdwallet.com/best/investing/financial-advisors  NerdWallet's investment calculator will calculate how much your investments will grow based on your planned contributions, timeline, rate of return and compounding frequency: https://www.nerdwallet.com/calculator/investment-calculator  Are you on track to save enough for retirement? Use NerdWallet's calculator to check your progress, see how much retirement income you'll have and estimate how much more you should save: https://www.nerdwallet.com/calculator/retirement-calculator  In their conversation, the Nerds discuss: how to build wealth without a business, investing from a 9 to 5 job, becoming a millionaire from salary, Roth IRA vs Roth 401k, Roth IRA contribution limits, backdoor Roth IRA, Roth 401k benefits, emergency fund recommendations, short term financial goals, good debt vs bad debt, paying off debt as a couple, managing money in a marriage, budgeting as a couple, aligning financial goals with a partner, daycare budget reallocation, how to prioritize financial goals, saving for a home addition, using home equity loan, 529 plan alternatives, taxable brokerage for kids, feeling behind on retirement, retirement planning anxiety, compound interest retirement, how to save for multiple goals, financial planning for couples, building credit as a couple, margin in budget meaning, shared financial values, and daycare cost savings. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Logan and Quint dive into a whether or not a Roth IRA is a good option for your financial plan. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

984. Laura answers a listener's question about the pros and cons of contributing to a Roth IRA in addition to a workplace retirement plan.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this Ask Me Anything episode, Ryan Michler and Kipp Sorensen tackle the number one issue facing men today: money. From scarcity mindset and debt to retirement planning, investing, and raising financially responsible kids, the conversation blends practical financial wisdom with deeper insights on discipline, self-belief, and values.  Ryan breaks down Dave Ramsey's baby steps, explains Roth vs. traditional IRAs, challenges popular budgeting rules, and shares how to instill abundance thinking in your family. A must-listen for men looking to build wealth without losing perspective. SHOW HIGHLIGHTS 00:00 Financial stress and the current economy 03:46 Physical baseline and discipline 08:59 Scarcity vs. abundance mindset 19:23 Dave Ramsey's seven baby steps 26:01 Roth IRA vs. traditional IRA 34:45 The 50-30-20 budgeting rule 37:29 Building wealth in an underpaid career 45:08 Teaching kids financial discipline 56:18 Iron Council and end-of-year call to action Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready