Podcasts about Roth IRA

Tom Fortino, Principal and Founder of Alpha Wealth Group, tells Shaun how to "Washington-proof" your retirement plan, the benefits of a Roth IRA, and the future of bitcoin and robotics.See omnystudio.com/listener for privacy information.

LA Riots: coming soon to a city near you! PLUS, Phil Kerpen, President of American Commitment, debates Trump's Big Beautiful Bill with Shaun as they both look for solutions to restrain government and cut spending. And Tom Fortino, Principal and Founder of Alpha Wealth Group, tells Shaun how to "Washington-proof" your retirement plan, the benefits of a Roth IRA, and the future of bitcoin and robotics.See omnystudio.com/listener for privacy information.

In today's episode of Talking Cents, I'm focusing on advice for those of you in your 20s and 30s. Some key areas we'll be looking at: building an emergency fund, maximizing employer-matched contributions, paying off non-mortgage debt, starting a Roth IRA, and monitoring credit scores. And remember - small actions today can significantly impact your future financial well-being! As mentioned, if you want to see if who you're working with is properly licensed, visit  https://brokercheck.finra.org/ (FINRA Broker Check) And if you're just getting started, check out our free tool at https://sparkmywealth.com/

Send us a textHow to Strategize Early Retirement Withdrawals and Avoid PenaltiesIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner, discusses strategies to access retirement accounts before age 60 without incurring a 10% early withdrawal penalty. Key topics include the 72(t) rule, the Rule of 55, leveraging HSAs, Roth IRA contributions, and taxable brokerage accounts. Learn which options are the most and least flexible and how to plan tax-efficient withdrawals. Hunter also covers the importance of proper planning and working with a financial advisor to avoid costly mistakes.00:00 Welcome to The Retire Early Retire Now Podcast00:12 Introduction to Early Retirement Withdrawals01:37 Avoiding the 10% Early Withdrawal Penalty03:25 Five Strategies for Early Retirement Withdrawals03:50 Strategy 1: 72(t) Distributions11:00 Strategy 2: Rule of 5513:30 Strategy 3: Utilizing HSA Accounts16:39 Strategy 4: Roth IRA Contributions18:45 Strategy 5: Taxable Brokerage Accounts20:45 Conclusion and Financial Planning Services22:09 Disclaimer and Final NotesCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

Don and Tom explore the evolution, promise, and pitfalls of Exchange-Traded Funds (ETFs). While ETFs have become the dominant investment vehicle, boasting $8 trillion in assets and more than 4,000 choices, the duo cautions against the “novelty trap” that lures investors into trendy, high-cost, low-diversification funds. They advocate sticking with time-tested providers like Vanguard, Schwab, and Avantis, and urge listeners to focus on strategy over hype. The episode also covers listener questions on Facet Wealth's alternative investments and Roth IRA income limits, ending with a light jab at Portland's real estate collapse and Don's growing jet lag. 0:04 Opening banter and the rise of ETFs as mutual fund successors 1:28 ETF history from SPY to the $8 trillion juggernaut 2:21 Why ETFs caught on: low cost, tax efficiency, index focus 3:45 When Wall Street noticed: strategic beta and rule-based funds emerge 4:59 The novelty problem: gimmicky single-stock and crypto ETFs 6:57 How to filter the 4,000 ETFs to a trustworthy handful 7:34 Which fund families to consider—and which to avoid 8:58 Active vs. passive: the murky middle and the “passively active” dilemma 10:01 Conflicts of interest in ETF endorsements and advertising bias 11:19 ETF investing principles: keep it simple, diversified, and strategic 12:09 Why the industry lumps Dimensional and Avantis with active managers 14:09 Brief detour into Austin, Silicon Valley, and Portland real estate 15:22 Final ETF takeaway: old, boring, and proven beats shiny and new 17:01 Listener Q1: Is Facet Wealth's alternative income strategy a red flag? 22:01 Listener Q2: Roth IRA income limits, backdoor Roths, and best next moves Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to negotiate higher pay and choose between Roth vs. traditional retirement accounts with confidence. How can you negotiate for a raise in an uncertain economy? Should you invest in a Roth or traditional retirement account? Hosts Sean Pyles and Elizabeth Ayoola discuss career strategies and retirement planning to help you maximize your earning potential and long-term savings. Joined by Mandi Woodruff-Santos, career coach and host of the Brown Ambition podcast, they begin with a discussion of salary negotiations, with tips and tricks on understanding your market value, making a strong case to your manager, and building a powerful professional network. Then, Sean and Elizabeth discuss how to balance contributions between Roth and traditional retirement accounts in a Q&A with listener Mitch. They cover how your tax bracket impacts retirement planning, the pros and cons of Roth 403(b)s vs. IRAs, and why tax diversification can give you more flexibility in retirement. They also explore the strategies behind reaching Mitch's financial goals, like early retirement and family financial protection. In their conversation, the Nerds discuss: how to negotiate salary, Roth vs traditional 403b, Roth 403b vs Roth IRA, retirement savings strategy, salary negotiation tips, career change strategy, how to ask for a raise, Roth IRA contribution limits, high income retirement planning, 403b Roth vs traditional Roth, tax diversification retirement, FIRE movement tips, early retirement accounts, high income Roth IRA eligibility, job market 2025, negotiating compensation without a job offer, professional networking tips, LinkedIn career growth, career storytelling, raise during midyear review, 401k vs Roth IRA, no 401k match strategy, high income investing, saving for retirement as a nurse, dual income retirement planning, maximizing 403b contributions, 529 plan strategy, how to build an emergency fund, term life insurance for parents, trust setup for families, how to grow your salary over time, and career moves for higher pay. 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 special 15th anniversary episode of Winning at Life with Gregory Ricks, Gregory reflects on the journey of building a financial radio show and firm over the past 15 years. Packed with heartfelt stories, guest appearances from team members and advisors, and meaningful listener calls, the show celebrates the lives impacted through thoughtful financial advice and a commitment to service. Topics include the evolution of the show, tax updates, estate planning risks, business sale strategies, risk tolerance versus capacity, and the importance of a team-based approach to financial planning. Tune in for real stories,  financial insights, and a tribute to the people behind the mission of helping others win with their money.For LIVE financial news talk radio, tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings on:WRNO-News Talk 99.5 FM New Orleans - 10 am - 1 pmWBUV-News Talk 104.9 FM Biloxi - 10 am - 1 pmOR For financial news talk ON DEMAND, tune into the Ask Gregory Podcast for more financial topics that may interest you! Visit: https://gregoryricks.com/podcast/Download the Winning at Life app to never miss a replay!Investment Advisory products and services made available through AE Wealth Management, LLC or registered investment advisor, insurance products are offered through the insurance business Gregory Ricks and Associates, Incorporated AE wealth management does not offer insurance products, the insurance products offered by Gregory Ricks and Associates incorporated are not subject to investment advisor requirements. Investing involves risk, including the potential loss of principal, any references to protection, safety or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying ability of the issuing Carrier. This radio show was intended for informational purposes only. It is not intended to be used as the sole basis for a financial decision, nor should it be construed as advice designed to meet the particular needs of an individual situation. Gregory Ricks and Associates is not permitted to offer and no statement made during the show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US government or any governmental agency. The Information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Gregory Ricks and Associates. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences, including, but not limited to a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. Neither AE Wealth Management nor advisors providing investment advisory services through AE Wealth Management recommend or facilitate the buying or selling of cryptocurrencies. Third parties and guests of the show are not affiliated with nor do their opinions reflect those of Gregory Ricks and associates or AE wealth management. Ae Wealth Management provides services without regard to political affiliation. And the views of individual advisors are not necessarily the views of AE Wealth Management. We are Winning at Life with Gregory Ricks.

Confused about Roth accounts? You're not alone. In this episode, we're breaking down one of the most important—and misunderstood—topics in retirement planning in the U.S.  We'll walk through the key differences between Roth and Traditional accounts, income limits for Roth contributions, and how Roth 401(k)s compare to Roth IRAs. You'll also learn when it makes sense to contribute to a Roth, how the backdoor Roth strategy works, and when a Roth conversion might benefit your long-term plan. Plus, we'll cover early withdrawal rules, required minimum distributions (RMDs), and how to incorporate Roth accounts into your overall retirement and tax diversification strategy. Whether you're building your retirement roadmap or fine-tuning your portfolio, this conversation is packed with actionable insights to help you make the most of your money—now and in the future. We cover: The difference between Roth and Traditional accounts Roth IRA vs. Roth 401(k): Which one fits your goals Income limits for Roth contributions How and when to use a backdoor Roth What Roth conversions are and when they make sense Early withdrawal rules and how to avoid penalties How to include Roth accounts in a long-term retirement and tax diversification strategy Enjoy the show? Please subscribe, leave a review, or share this episode with a friend! Got questions or topics you'd like us to cover? Email us at askcreatingwealth@taberasset.com—we'd love to hear from you.

Kelley discusses essential strategies for retirement planning amidst market volatility. She emphasizes the importance of creating solid income streams, preparing for long-term care costs, and utilizing Roth conversions to optimize tax benefits. The conversation also covers innovative funding solutions for long-term care and the significance of a balanced investment strategy. Listeners are provided with a comprehensive checklist to ensure they are financially ready for retirement, highlighting the need for personalized planning and diversification. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty discusses the various financial surprises that retirees may encounter, including fluctuating expenses, the impact of healthcare costs, and the importance of proactive planning. He emphasizes the need for a comprehensive understanding of retirement expenses, including hidden costs and the role of inflation. The discussion also covers lifestyle changes in retirement, spousal strategies for aligning goals, and the complexities of Social Security and healthcare planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

A chaotic day leads Don into a deep (and entertaining) dive into the futility of market timing, spurred by a recent Morningstar article on Pacer's Trendpilot ETF. Don and Tom break down the mechanics of the fund's strategy, its underperformance compared to a simple 60/40 portfolio, and the long-term cost of trying to avoid downturns. Listener questions bring up diversification, Roth IRAs, and the eternal struggle with ticker symbols. Plus, a special heads-up for federal employees about an upcoming webinar. And yes, kilt ventilation is discussed. 0:04 “It never rains but it pours” rant, helicopters, kilts, and chaos 2:02 Welcome and the evolution from market timing believers to skeptics 3:13 Trendpilot ETF's moving average strategy explained (kind of) 5:45 Morningstar says: strategy failed, underperformed S&P by 5% annually 6:58 97-year 60/40 portfolio beats Trendpilot in return and volatility 8:32 2020 example: Trendpilot missed the 38% rebound—ouch 9:59 Why market timing fails most investors over time 11:05 Loss aversion vs. long-term strategy with fixed income 13:08 Trendpilot's $3.3B in AUM—but it still doesn't justify market timing 14:23 Listener mail: VTEB vs VTBE, Series 65 textbook gems, diversification 18:26 How much in a single stock? Almost none 19:10 Roth IRA allocation question—AVUS, DFIV, AVUV, and maybe just AVGE 22:24 One-fund to rule them all: AVGE breaks it down across 15 funds 24:11 Federal employee webinar pitch – June 7 at appellowealth.com 25:39 Wrapping up with call-in info, dreams about forgetting the phone number, and kilts (again) Learn more about your ad choices. Visit megaphone.fm/adchoices

The Moneywise Radio Show and Podcast Wednesday, June 4th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Manageme instagram: MoneywiseWealthManagement

When it comes to retirement, some decisions aren't as clear-cut as they seem. Should you pay off your mortgage early? Convert to a Roth IRA? Claim Social Security at 62 or wait until 70? The math might say one thing, but your emotions, goals, and personal circumstances often pull you in another direction. In this episode, Eric tackles the “gray areas” of retirement planning, those tricky crossroads where logic and lifestyle collide.   Here's some of what we discuss in this episode:

Today I've got a lot to share: my recent trip to Western, new educational tables from Daryl Bahls, a must-read article by Ben Carlson, a fantastic free resource called Rebel Finance, and some takeaways from the latest Bogleheads meeting. Last week, I spent two full days at Western, meeting with students, faculty, and staff. I gave presentations to graduating seniors, a personal finance class, and the Financial Management Association Club. These students were eager to learn about building a strong financial future, and it was inspiring to see so much enthusiasm.To get students excited, I sponsored a $1,000 drawing—no strings attached. If the winner wanted, I offered to personally help them set up a Roth IRA and invest the money for long-term growth. The goal was to show how even a single investment can grow over a lifetime.That brings me to two new tables created by Daryl Bahls. These tables make the power of compound growth real. The first table shows what happens if you invest $1,000 at age 22 in a Roth IRA and let it grow at 8%, 10%, or 12% annually. At 8%, that $1,000 could become $30,000 after 45 years—and even more when you factor in distributions and inheritance. At 12%, the total benefit can reach over $3 million! The second table looks at saving $100 a month for 45 years. With steady returns, this strategy can result in a retirement nest egg of hundreds of thousands—even millions—of dollars, plus generational wealth for your heirs.A key lesson: with lump sum investing, the sequence of returns doesn't matter much. But with regular monthly investing, buying more shares when prices are low can significantly boost your long-term results. This is especially true in volatile markets like small-cap value stocks.Of course, many people face hurdles getting started—thinking it's too complex, not having enough money, or fearing loss. My advice is: start small, stay consistent, and use the resources available to you.Speaking of resources, I want to highlight Rebel Finance, a free 10-week course led by Alan and Katie, a couple who retired early and now teach others how to manage money and invest. Their sessions are interactive, practical, and archived on YouTube. If you—or someone you know—needs a supportive, step-by-step introduction to personal finance, Rebel Finance is a fantastic place to start.I want to highlight the Merriman Financial Literacy Program at Western. This initiative is close to my heart and is designed to give every student—regardless of their background—the tools and knowledge they need to make smart financial decisions for life. Thanks to the program, all graduating students at Western receive free access to iGrad, a comprehensive suite of financial education tools and courses. I also want to mention Ben Carlson's article, “On the Inevitability of Bear Markets.” Carlson shows that bear markets are unavoidable—there's a 77% chance you'll experience one in any 5-year period, and a 95% chance over 10 years. But the longer you stay invested, the greater your odds for positive returns. Historically, holding the S&P 500 for 20 years has always resulted in gains.Finally, I had the pleasure of attending a Bogleheads local chapter dinner. It was inspiring to meet others interested in index investing and financial education. We shared ideas, discussed financial planning tools, and talked about helping our families build wealth. I'll also be speaking at the Bogleheads Conference in October—check the show notes for details.Before I sign off, a quick note: AI is changing how we learn and teach about investing. I'm using it to organize my thoughts and create better presentations. If you have thoughts or experiences using AI in your financial journey, I'd love to hear from you.Thank you for listening! If you found today's episode helpful, please like, subscribe, and share it with someone who could benefit. Your support helps us reach more people and make a bigger impact. Good fortune, and happy investing!

This week on Check Your Balances, we tackle a listener question: Should your Roth IRA double as an emergency fund? We'll explore the pros and cons. We'll also demystify the critical difference between correlation and causation in personal finance. Understanding this distinction is key to making sound financial decisions, ensuring you build a robust financial plan based on true cause-and-effect, not just coincidental relationships.Send us a textSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

Understanding the difference between a Traditional IRA and a Roth IRA is key to building a tax-efficient retirement plan. In this episode, Miguel Gonzalez, CRC®, breaks down the key features, tax implications, and how to choose the right account based on your goals.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients. #RothIRA #TraditionalIRA #IRAvsRoth #RetirementPlanning #TaxFreeGrowth #RetirementAccounts #FinancialPlanning #TaxPlanning #InvestSmart #RetirementTips #MoneyMatters #MiguelGonzalezCRC #CortburgRetirement #PersonalFinance #SmartInvesting #RetirementStrategy #IRAWithdrawals #RothIRA2025 #TaxEfficiency #RMDsExplained Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Imagine being told you only have 12 months to live. What would you do with your time? Today on Your Money, Your Wealth podcast number 532, Big Al Clopine, CPA and Executive Producer Andi Last are thrilled to welcome Jonathan Clements back for his fourth appearance. For thirty years, Jonathan has been known for his personal finance writing: in his column “Getting Going,” which appeared in the Wall Street Journal over 1,000 times starting in 1994, on his website HumbleDollar.com, and in his many acclaimed books. About a year ago, Jonathan Clements was diagnosed with a rare form of lung cancer and was told he had about a year to live. Today we're celebrating the fact that he is still here with us, and we're inspired by his decision to use his precious time to launch The Jonathan Clements Getting Going on Savings Initiative. Watch or listen to find out how you can get a free Kindle copy of Jonathan's new book, and how you can help Jonathan pay it forward for the next generation. Free financial resources & episode transcript: https://bit.ly/ymyw-532 The first 100 people to email us will receive a free Kindle copy of The Best of Jonathan Clements: Classic Columns on Money and Life WATCH Retirement Sabotage! 12 Post-Retirement Money Mistakes to Avoid on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps:  00:00 - Intro: This Week on the YMYW Podcast 02:53 - Jonathan Clements' Getting Going on Savings Initiative 05:23 - $1,000 Roth IRA Contributions and Personal Finance Education for Young Adults 07:55 - Exponential Growth: The Sooner You Save, The Better 09:44 - Research Study Will Measure Impact on Young Savers 11:56 - Financial Education is Important 14:05 - The John C. Bogle Center for Financial Literacy 14:38 - The First 100 People to Email Us Receive a Free Copy of The Best of Jonathan Clements: Classic Columns on Money and Life 15:45 - How Does a Healthy 62-Year-Old Non-Smoker End Up Living With Stage IV Lung Cancer? The EGFR Exon 20 Insertion Mutation 18:52 - HumbleDollar.com, The Jonathan Clements Getting Going on Savings Initiative, and The Best of Jonathan Clements Book

There is an account that can give you ultimate flexibility and help you reduce taxes in retirement... and no, it's not a Roth IRA. It gives you the flexibility you've dreamed of when it comes to retirement income planning and tax planning.

In this conversation, Steve and Derrick from the Hoyl Financial Group discuss the common fears surrounding retirement planning, particularly the anxiety of running out of money and the quest for a 'magic number' in savings. They emphasize the importance of focusing on income generation rather than just accumulating a certain amount of savings. The discussion also covers the evolving perception of annuities, the significance of guaranteed income, and the strategic use of Roth IRAs for tax planning. The hosts encourage listeners to evaluate their financial strategies and consider the implications of tax planning in their retirement journey. Get Your Complimentary Retirement Analysis Social Media: Facebook I Twitter See omnystudio.com/listener for privacy information.

In this episode of the Personal Finance Podcast,  we are going to do a Money Q&A about  my retirement plan charges 1.38%. Is it robbing me of my future? Today we are going to answer these questions!  Question 1: What should my next steps be after paying off a personal loan—emergency fund, car savings, or student loans? Question 2: What's the best investment or savings account to open for my 5-year-old to start learning about money? Question 3: Is it worth contributing to a Roth 457(b) with a 1.385% fee, or should I focus on low-cost accounts? Question 4: I'm in the military maxing out TSP and Roth IRA—what else can I do to retire early? And how can my parents retire with $150K at age 55? Question 5: I'm new to investing with $30K in cash—should I just dump it into an index fund, or do something more? Question 6: We're 48 and 49, saving aggressively with no debt—how do we ensure we hit our $1.5M retirement goal by age 55? Question 7: We rolled over $35K into an IRA, have $125K in a 401(k), and big home equity—how do we build wealth and retire early in California? How Andrew Can Help You:  Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Shop Data Plans and Save Big at mintmobile.com/pfp  Go to https://joindeleteme.com/PFP20/ for 20% off!  Links Mentioned in This Episode:  How to Pay No Taxes in Early Retirement, Debunking the Mortgage Fee Fiasco, and More! With Katie Gatti (From Money With Katie!) 10 Powerful Portfolio Strategies (And Which One is Right for You!) - Part 1 10 Powerful Portfolio Strategies (And Which One is Right for You!) - Part 2 The 1-3-6 Method For Building & Managing Your Emergency Fund Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three favorite strategies to hedge against volatility in 2025. For the first few minutes of the episode, we're joined by Stephen Sikes, the Chief Operating Office of Public, to get an inside scoop as to how their millions of users are also hedging against volatility!---

Did you know there's a way to get tax-free income, tax-free growth, AND tax-free withdrawals—all legally? If you're in the military, you have access to one of the most powerful wealth-building tools that civilians can only dream of. Combat Zone Tax Exclusion (CZTE) is the golden ticket, and in this episode, we break down exactly how you can leverage it to maximize your savings and accelerate your journey to financial freedom. Episode Summary: Military members deployed to a Combat Zone Tax Exclusion (CZTE) location receive tax-free pay, but did you know this can also supercharge your retirement savings?  No federal income tax on military pay earned in a combat zone. Contributions to Roth IRA or Roth TSP using tax-exempt combat pay grow tax-free. Withdrawals in retirement are completely tax-free, giving you a massive financial advantage. We also discuss the Savings Deposit Program (SDP), tips for avoiding common financial mistakes, and strategies to maximize your tax-free earnings while deployed. Key Takeaways: Maximize Your Benefits: Understand the triple tax benefits and how to supercharge your Roth TSP and Roth IRA. Combat Zone Pay Benefits: Know which locations qualify and how even touching a combat zone for one day can get you CZTE benefits. Emergency Fund First: Use the extra tax-free income to build financial security before investing. Savings Deposit Program (SDP): Earn a guaranteed 10% return with this little-known military savings program. Tax Planning Strategies: Advanced moves like Roth conversions, tax-gain harvesting, and earned income tax credit eligibility. Watch Out for Common Mistakes: Avoid lifestyle inflation and missed opportunities to grow tax-free wealth. Links mentioned today: IRS Publication 3, Armed Forces Tax Guide IRS.gov CZTE locations (as of this publishing) DFAS.mil's Imminent Danger Pay (IDP) info Savings Deposit Program (SDP) Article Responding to CP04 IRS Letter Article Military Tax Experts Alliance Episode 167 w/ Ryan Guina, Contributing up to $70,000 to TSP while Deployed! Episode 116 - Roth TSP and Roth IRA are Different!! For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! 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 or email podcast@militarymoneymanual.com. 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. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

English statesman Francis Bacon once wrote, “Money is a great servant but a bad master.”If we don't learn to manage money wisely to take control of it, it will soon master us. It's one way or the other. Today, Bob Lotich tells us how to be the master and not the servant when it comes to money—and he makes it pretty clear, as well.Bob Lotich is a high-performance financial coach and Certified Educator in Personal Finance (CEPF®) and has been named a top-20 influencer in personal finance. His wife, Linda, and their award-winning website, SeedTime.com, as well as the SeedTime Money Podcast, have reached over 50 million people in the past decade. He is also the author of Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact. The Wake-Up Call: A Breakdown Leads to BreakthroughBob's story, which began in 2002 when his car broke down while he was on his way to deposit a paycheck, is one that many can relate to. He described how that moment of crisis led to a deep spiritual awakening about finances and stewardship.Unfortunately, the car breaking down prevented him from depositing his paycheck and paying rent on time. Facing the stress of a possible late fee he couldn't afford, Bob realized that his financial life was on shaky ground. He describes this moment as a "house of cards" that collapsed.In his frustration, Bob prayed for wisdom, and that simple prayer became the catalyst for a profound change. God responded, leading Bob to learn about biblical stewardship and practical financial management.Biblical Wisdom: Earning, Saving, and GivingAs Bob delved into the Bible, he came across a quote from John Wesley that changed his financial perspective: "Earn all you can, save all you can, and give all you can." This idea, combined with scriptural truths, inspired him to view money not as a burden but as a tool for good.Bob reflected on passages like:Proverbs 13:11: "Gathering money little by little makes it grow."1 Timothy 6:17-19: Paul's admonition to the rich to be generous.Proverbs 22:7: The borrower is slave to the lender, which motivated Bob to eliminate debt.These verses reinforced the idea that managing money well is not about hoarding wealth but using it for God's purposes.Financial Unity in MarriageBob also emphasized the power of financial unity in marriage. Once he and his wife Linda aligned their financial goals with biblical principles, their relationship strengthened. They not only eliminated stress but also achieved impressive financial milestones, like paying off their house by the age of 31. Bob's story reminds us that peace in one's finances can be a unifying force in marriage, helping couples move forward together more quickly.The Four Keys to Earning MoreBob shared four essential principles for increasing earnings in today's digital age:Operate within God-given gifts and passions: Work aligned with your gifts gives you an "unfair advantage."Continue learning and developing your skills: Hone your craft to glorify God.Solve significant problems: You're compensated in proportion to the size of the problem you solve.Work where demand is high: Identify where there's a need and meet it.These principles guide believers to increase their earnings while keeping their hearts focused on God's kingdom.The Joy of GivingOne of the most impactful parts of Bob's message was his perspective on giving. He and his wife created a "seed account," setting aside money each month specifically for giving. By praying and waiting for opportunities, giving became not just a duty, but a joyful and fun part of their lives. This practice reminds us of the joy Jesus spoke of when He said, "It is more blessed to give than to receive" (Acts 20:35).Enjoying God's ProvisionFinally, Bob encouraged believers to enjoy the financial blessings God provides. He highlighted the importance of gratitude and appreciating what we have. Whether earning, saving, or giving, we can find joy in every aspect of financial stewardship.Bob's journey teaches us that financial freedom isn't about accumulating wealth for ourselves but about managing what God has entrusted to us with wisdom and generosity. We can design a life of eternal impact by earning, saving, giving, and enjoying God's provision.If you're looking for more practical tips and biblical wisdom, Bob's book Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact is a great resource to guide you on this journey.On Today's Program, Rob Answers Listener Questions:I have a friend who is getting ready to retire as a union electrician and is really upset about losing $100,000 when the tariff news broke. I tried to tell him that the money would be made back once the markets recovered. Is my understanding correct that he will eventually get that money back? I currently have $55,000 in a Roth IRA and $37,000 in a Traditional IRA. I'm about 30 years from retirement and contribute $200 per month to my Roth. Does it make sense to roll over the traditional IRA funds into the Roth? Would it be a good financial move for me?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact by Bob LotichSeedtime.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Fears. First Vice President and Financial Advisor at Morgan Stanley. She leads The Fears Group, a wealth management team specializing in alternative investments, retirement planning, and financial education.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Fears. First Vice President and Financial Advisor at Morgan Stanley. She leads The Fears Group, a wealth management team specializing in alternative investments, retirement planning, and financial education.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Fears. First Vice President and Financial Advisor at Morgan Stanley. She leads The Fears Group, a wealth management team specializing in alternative investments, retirement planning, and financial education.

On this episode: Developing a “pension-like” income. Is your Financial Advisor communicating or are you in a blackout? A possible snag in the IRA-to-Roth conversion. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Help us surprise Clark Howard for his birthday! We're collecting special wishes for Clark (it's a secret!) to celebrate his birthday on June 20th. Use this form to share your wishes for Clark: https://forms.gle/hNtmFTvqkdZc94J49 -- remember it's a secret! ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, how one state plans to use controversial technology to slow down speeders. Clark Stinks: Segments 1 & 2 Intelligent Speed Assist: Segment 3 Ask Clark: Segment 4 Mentioned on the show: “Clark Stinks!” - by Son of Scotland How To Open a Roth IRA 3 Reasons You Should Never Book a Nonrefundable Hotel Room How To Use Priceline To Save on Travel What Is an HSA Account and How Does It Work? Virginia will use technology to slow chronic speeders' cars Car Rental Insurance: Everything You Need To Know Credit Card Car Rental Insurance: What You Need To Know My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Should you use retirement funds to buy rentals, pay for renovations, or scale your real estate portfolio faster? Saving for a down payment can be tough, and dipping into a retirement account might seem like a tempting shortcut. But is it worth paying the hefty penalty? We're breaking it all down on today's episode! Welcome to another Rookie Reply, where Ashley and Tony answer questions from the BiggerPockets Forums and Real Estate Rookie Facebook group. First, what do you do when a tenant wants to end their lease before it even starts? There are several factors to consider, from your state's landlord-tenant laws to additional turnover costs, but we'll steer you in the right direction. Next, we'll hear from an investor who's considering withdrawing funds from their Roth IRA before retirement age to build their portfolio faster. Is it worth it? We'll crunch the numbers and find out! Finally, where should you list your short-term rentals online, and how do you prevent your property from getting double-booked? As our resident short-term rental expert, Tony has the answer, and it's much simpler than you might think! Looking to invest? Need answers? Ask your question here! In This Episode We Cover Whether you should use retirement accounts to buy more rentals The real cost of withdrawing from your Roth IRA before retirement age What to do when a tenant unexpectedly backs out before their lease begins Where to list your short-term rentals online (and how to avoid double-booking!) The best property management software for your Airbnb business And So Much More! Learn more about your ad choices. Visit megaphone.fm/adchoices

A federal appeals court pauses a ruling blocking President Trump's tariffs, while Caroline Levitt slams courts for ignoring past trade wrongs. Dan Bongino uncovers a hidden room of James Comey-era classified documents at the FBI, Tom Homan mourns a Texan killed by illegal immigrants, and Eric Schmidt defines MAGA as fighting for working-class dignity. Wesley Huff explains sin and salvation on the Flagrant podcast, plus Aaron answers your questions, from June's vibe to smoked cream cheese. news, politics, Aaron McIntire, Donald Trump, tariffs, federal appeals court, Caroline Levitt, Dan Bongino, FBI, James Comey, classified documents, Tom Homan, illegal immigration, Ava Moore, Eric Schmidt, MAGA, Wesley Huff, Flagrant podcast, sin, salvation, No Suck Saturday, big beautiful bill, national debt, Roth IRA, current events

“We must have some room to breathe. We need freedom to think and permission to heal. Our relationships are being starved to death by velocity.” — Dr. Richard Swenson, The Overload SyndromeIn our fast-paced, always-on world, these words ring true. We're overloaded—physically, emotionally, mentally, and financially. But what if the antidote to our exhaustion isn't doing more, but doing less? Today, let's look at rest from a biblical perspective.What Is Margin?Margin is the “room to breathe” that Dr. Swenson describes. It's the space between our load and our limits, which allows us to pause before we break.Too often, we end the day with nothing left—no time, energy, or money. Then the next day starts…full throttle again.That kind of lifestyle comes at a cost. The Sleep Foundation reports that nearly half of Americans experience trouble sleeping—a third of them get less than seven hours of sleep a night. Chronic sleep deprivation can lead to serious (and expensive) health problems like anxiety, heart disease, and diabetes. It also undermines our relationships and decision-making.The truth? Rest is not a luxury. It's wisdom.God Created RestGod rested on the seventh day of Creation—not because He needed to, but because His work was complete. He blessed that rest and called it holy (Genesis 2:3).Later, He enshrined the Sabbath in the Ten Commandments (Exodus 20:8-11). Why? Because He knows our tendency to keep pushing ourselves, and He lovingly tells us to stop. As pastor and author Rich Villodas says:“God gives us Sabbath—he gives us rest—as a gift to remind us that our standing in Christ is not based on our works. When we rest, we're reminded: I'm not producing anything…and God still loves me.”Margin in a Work-Obsessed WorldTechnology allows us to work from anywhere, at any time. But just because we can doesn't mean we should. Rest gives us the strength and focus to do our work “as unto the Lord” (Colossians 3:23).Working late nights and skipping vacations might seem productive, but over time, they damage what matters most—our health, our relationships, and our spiritual lives.Rest doesn't mean avoiding work. It means working wisely and worshipfully—and stepping away when it's time to refuel.The Difference Between Rest and LazinessNow, let's be clear: Rest is not laziness.Laziness is neglecting what we're called to do. It violates God's design for us to work, serve, and create. Paul warned the Thessalonians to “warn those who are idle and disruptive” (1 Thess. 5:14), and added in 2 Thessalonians 3:11 that idleness often masks itself as busyness.Proverbs 31 praises the noble woman who works diligently. Verse 27 says she “does not eat the bread of idleness.” Laziness can show up subtly, like scrolling endlessly or shopping to avoid responsibility.Proverbs 24:30–31 tells of a neglected field, overgrown and crumbling, due to a lack of care. That's what happens when laziness takes root. But there's hope.Rest Is a Gift of GraceWhether you're burned out or stuck in patterns of procrastination, God's grace meets you where you are. Jesus doesn't offer a tighter schedule—He offers a lighter burden.“Come to me, all who are weary and burdened,” Jesus says, “and I will give you rest.” (Matthew 11:28)Rest isn't something you earn. It's something you receive. So step into the rhythm of grace, not guilt. Your soul—and your stewardship—depends on it.On Today's Program, Rob Answers Listener Questions:My son is 26, and last year he was able to start a 401(k) with his job. I want to get him a Roth IRA and start with $200 to get something going. Is that a good idea?I'm 87 years old. If all my assets have beneficiaries designated, is there any reason to have probate, or is there a maximum dollar amount that requires probate, so I would have to get a trust?I pay my bills and save as much as I can. Is it okay for me to spend $10 at the Salvation Army to get a new church dress? I don't make much money, but I get paid every two weeks with a decent check.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Overload Syndrome: Learning to Live Within Your Limits by Dr. Richard A. SwensonMargin: Restoring Emotional, Physical, Financial, and Time Reserves to Overloaded Lives by Dr. Richard A. SwensonSchwab Intelligent Portfolios | BettermentHeart for LebanonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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

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

Chris joins Drew this week as they talk to callers and answer questions regarding what happens with social security if a spouse passes away, Maryland taxes, converting to a Roth IRA, and more! Download and enjoy!

In this episode of the Retirement Planners of America Podcast, Ken Moraif breaks down the often-misunderstood world of capital gains taxes—what they are, how they differ from ordinary income taxes, and why they play a critical role in a smart retirement strategy. Joined by co-host Jeremy, Ken explains how proper tax planning can help your money last longer by minimizing the taxes you pay on investment income. Learn the difference between IRA, non-IRA, and Roth IRA accounts—and how the order in which you draw from them can significantly impact your financial future.RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, “RPOA”) is an SEC registered investment adviser with a primary business location in Plano, Texas. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that Retirement Planners of America has attained a certain level of skill, training, or ability. The “Invest and Protect Strategy” (the “Strategy”) refers to a strategy that Retirement Planners of America fundamentally employs for its clients. Retirement Planners of America previously employed a similar strategy that it referred to as the “buy, hold, and sell” strategy or “buy hold, and protect” strategy. These videos are presented for informational and educational purposes only and should not be construed as personalized investment, financial, or tax advice. Opinions expressed herein are solely those of Retirement Planners of America as of the date of publication and are subject to change without notice.Investing involves risks, including possible loss of principal. Past performance discussed in these videos is no guarantee of future results. Indicators such as the yield curve, building permits, investor sentiment, and credit conditions discussed herein are used for illustrative purposes only and are not reliable predictors of market performance or economic conditions.Viewers should consult their own financial, tax, or investment professionals before making investment decisions. Any reference to specific market events or historical examples is for context only and does not imply an assurance of future results or performance.For more detailed information about Retirement Planners of America's services, investment strategies, and risks, please review our Form ADV Part 2A, available upon request or at adviserinfo.sec.gov.

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

In this episode of our Beyond the Paycheck series, we're focusing on demystifying retirement plans and investment options so you can make confident, informed decisions about your financial future. Whether you're just starting out, changing jobs, or reentering the workforce, we unpack the differences between 401(k), 403(b), IRA, and Roth IRA accounts, and explore how tax status, life changes, and long-term goals shape the best strategy for you. You'll also learn how to sidestep common investing myths, adapt your plan over time, and take proactive steps to set your future self up for success.

Greg Aler talks about minimizing taxes on your IRA and 401k in retirement, how improper tax planning could cost you half your savings and strategies to help you keep more of your money. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

"We have a mix of accounts—$850,000 in traditional IRAs and about $320,000 in a Roth IRA. We're both 66 and about to retire. What's the smartest order to draw from these accounts to keep our taxes low?" We're answering YOUR questions on this week's Get Ready For The Future Show! I'm 62 and just got laid off. I'm eligible for Social Security but have about $520,000 in a 401(k). Should I go ahead and start my benefits or hold off a few years and draw from my savings instead? We live in a 4-bedroom home that's worth about $390,000, but we're thinking about downsizing to something under $250,000. With interest rates up, is this still a good move? And how do we know we'll actually save money doing it? We're both in our late 50s and don't have long-term care insurance. We've got about $2M saved and are in decent health. Is it too late to get a policy that makes sense, or are we better off self-insuring? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com! Originally aired 5/21/2025

Planning a big move? Learn how to decide whether you should sell or rent your home and fund your next down payment. Should you sell or rent out your home when you move? What's the best way to fund a down payment from multiple accounts? Host Sean Pyles talks to NerdWallet writer Lisa Green about the big financial decisions that come with relocating across a long distance. Joined by listener David, they explore how to evaluate whether keeping a home as a rental makes sense, and what it takes to manage that property from a distance. They begin with a discussion of long-distance landlording, with tips and tricks on hiring a property manager, maintaining a savings cushion, and considering the tax benefits of depreciation and travel deductions. They also discuss which accounts to withdraw from with minimal tax consequences, how to leverage a HELOC before moving, and how the timing of a move can impact your financial strategy. Learn about down payments and calculate how much to put down on a house: https://www.nerdwallet.com/article/mortgages/down-payment-calculator  If you're ready to find the right mortgage with expert guidance every step of the way, get started today at https://www.nerdwallet.com/prequalify/m/mortgage-experts/lp1  In their conversation, the Nerds discuss: renting out your home after moving, long distance landlord tips, property manager costs, managing a rental property from another state, home equity line of credit for down payment, how to get money for a home down payment, using Roth IRA for home purchase, cashing out taxable investments for a down payment, capital gains tax on investment sales, moving across the country with kids, how to prepare financially for a move, cross-country move costs, downsizing before a move, furnished rental property tax benefits, rental property depreciation, rental property travel tax deduction, renting furnished home to traveling nurses, comparing cost of pods vs U-Haul, best way to move long distance, property management for out-of-state rental, rental vacancy costs, tax benefits of keeping a rental property, how to handle moving logistics, financial planning for relocation, and how to access money for a house down payment. 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.

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

Check out Sammi's new podcast Social Currency on Spotify, click here!---In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz uncover the secrets of Financial Advisors, specifically, what they don't tell you!---

In Romans 2:4, Paul writes, “Do you not know that God's kindness is meant to lead you to repentance?” What a powerful reminder that even when we fail, especially when we fail, God's grace invites us back. He doesn't lead with condemnation, but with compassion.That truth has everything to do with our financial lives.Yes, God Cares About MoneyIt's easy to think God isn't concerned with something as “earthly” as money. But Scripture tells a different story. There are over 2,300 verses dealing with money and possessions. Why? Because how we handle money reveals what we value, trust, and believe about God.And just like any other area of our lives, when we fall short financially, whether through poor choices or sinful patterns, we're invited to bring those failures to the Lord in repentance.Grace for Financial FailuresWhen we confess our financial sins, we don't encounter a cold, condemning judge. We meet a loving Father, ready to forgive and restore. No financial mistake is too big for the Cross. Christ paid for every one of them.Take Zacchaeus, for example. The chief tax collector of Jericho was known for financial exploitation. But after one encounter with Jesus in Luke 19, everything changed. His repentance was visible: He gave half his possessions to the poor and repaid those he had wronged four times over. Jesus didn't demand this—grace compelled it. Zacchaeus didn't earn salvation by generosity; his giving revealed a heart transformed by it.We're invited to that same transformation.Financial Sins Worth Repenting OfYou might be wondering, What financial sins should I bring before the Lord? Here are a few worth reflecting on:1. Forgetting God Owns It AllWe are stewards, not owners. Deuteronomy 8:18 reminds us that God gives us the ability to produce wealth. When we forget that, we risk idolizing what we've earned instead of worshiping the One who provides.2. Dishonesty in Financial DealingsCutting corners, misrepresenting the truth, or taking advantage of others damages our witness. As Paul writes in 2 Corinthians 8:21, “We aim at what is honorable not only in the Lord's sight but also in the sight of man.”3. Withholding GenerosityProverbs 11:24 warns that stinginess can actually lead to lack. A lack of generosity can reveal misplaced trust in wealth instead of God.4. Neglecting Diligent WorkWork isn't a punishment—it's a calling. Proverbs 14:23 says, “In all toil there is profit.” Laziness, or lack of engagement with our work, hinders our ability to live out God's purposes.5. Living Beyond Our MeansChronic overspending leads to stress and debt. Proverbs 22:7 says, “The borrower is slave to the lender.” Contentment honors God's provision.6. Coveting Others' WealthEnvy skews our perspective and sows discontentment. Exodus 20:17 calls us to guard our hearts from coveting what others have.Repentance That Leads to RestorationIf any of these hit close to home, remember this: conviction is not the same as condemnation. The goal of repentance is restoration, not shame. God is not asking for perfection—He's asking for surrender.When we confess, He forgives. And in His kindness, He leads us into new patterns of faithfulness marked by integrity, generosity, and wisdom.So wherever you are today—whether gathered with family, enjoying the day off, or reflecting quietly—take a moment to consider how God's kindness might be calling you back in your financial life.Ask Him to search your heart. Repent of anything that's not aligned with His will. And trust that He will meet you with mercy and guide you forward in grace. Because when we place even our financial story in His hands, it becomes a testimony of His faithfulness.And that, friend, is true freedom.On Today's Program, Rob Answers Listener Questions:I want to know how to invest my Roth IRA funds. I have a large account with a private custodian in a checkbook LLC, and right now it's just sitting in a bank account, which is shrinking because of inflation. I just want to keep up with inflation. I'm 70 years old and want to invest $30,000 wisely. After financial challenges, I want to create a safety net for my family and 15 grandkids. I don't know much about investing and need advice on what to do with my money.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Schwab Intelligent Portfolios | BettermentSound Mind Investing (SMI)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Let's talk about the money lessons your kids aren't getting in school!

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

In this edition of Five Question Friday (FQF), we look at these five questions:1. My 401k is not employer matched, should I stop contributing to my employer 401k and open a Roth IRA instead?2. Where should we keep cash we'll need to spend in 12 to 18 months?3. Can you implement the bucket strategy in Boldin?4. SCHD + TIPS & Chill?5. Do Short-Term Treasury Bills provide the same inflation protection as TIPS?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

There are certain accounts that contribute to a person's #financial success.  In this episode of #MoneyGuidewithMarySterk, we discuss the 6 #accounts everyone should have.#FDIC #checkingaccount #checksandbalances #bills #personalfinance #budget #emergencyfund #savingsaccount #expenses #creditcards #credit #creditscore #creditlimit #identitytheft #retirement #retirementaccount #socialsecurity #ROTHIRA #brokerageaccount #HSA #medicalexpenses Feat Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contactSubscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts. Schedule an appointment with one of our advisors today!Follow us on FacebookFollow us on LinkedinSubscribe on YoutubeFollow us on Twitter

Choosing the best brokerage firm for your investing needs might seem overwhelming, but we're here to help! Most brokerage firms now offer $0 account minimums and commission-free trades. That's the standard, not the standout.These brokerage firms really compete in their tools, features, and support. That's where your needs come into play.Your life will change. Maybe you'll buy a home, get divorced, get married, start a business, have a baby, switch careers, or start planning for a big goal like retirement or a dream vacation. Your brokerage should grow with you.To find the right brokerage firm, ask yourself:Do I want to learn as I go? Look for platforms with strong educational tools that explain the “why” behind each decision.Is it easy to use, or just easy to look at? A clean interface is great, but it should also save you time and help you take action.Do I prefer to manage money on my phone? If mobile is your main device, the app experience really matters.What kinds of investments do I want access to? Beyond stocks and ETFs, consider if you'll want funds, bonds, or retirement accounts like a Roth IRA.How much research do I need to feel confident? If you like digging into details, look for screeners, data, and expert insights.How much money am I starting with? If it's a smaller amount, fractional investing will help you buy into big-name stocks without needing big money.How involved do I want to be? If you're short on time, you might prefer a platform that offers automated investing or robo-advisors.This is your journey. The right platform should meet you where you are, and support where you're headed next. Read the best brokerage guides I've already put together:

Don returns from a exhausting, comedy-of-errors flight to discuss how the markets pulled an equally wild round trip—plunging, then rebounding to the tune of $8 trillion. He and Tom break down the April stock and bond tantrum, laugh off predictions of recession, and offer practical guidance for scared investors, risk-takers, and those tempted by annuities. Listener questions cover mortgages vs. investing, the role of fixed annuities, and a touching thank-you from a longtime fan who retired well thanks to Don's early radio shows. Oh, and Tom's now YouTube famous. Just ask his grandkids. 0:04 Don's cursed travel story: jet lag, delays, and onboard medical drama1:28 Welcome back—Tom's model aircraft museum returns2:48 Market rewind: sharp drop and $8T rebound3:55 April 8 market bottom; temper tantrum or bear tease?4:40 CNN Fear & Greed Index: from panic to euphoria in weeks6:27 Fan mail: “Planes, Trains & Cryptocurrency” and Tesla hate from a Lyft driver7:43 Don's Broadway singalong graduation trip to NYC9:01 Recession odds fall fast—tariffs rise faster11:27 Tom calls out the mayor's interest rate prediction logic13:01 Check your 401(k)? Maybe don't—unless you're learning your risk tolerance14:10 Don's “Tune Out the Noise” video hits 10+ million views16:43 Listener challenge: Why bash Fidelity annuities?18:47 Don's CD ladder vs. annuities—why he prefers federal over contractual guarantees20:10 Even “no load” annuities can be slippery—careful with the fine print21:51 TRM hits 1,648 episodes (and counting)22:44 Listener Bruce: From broke in 1989 to comfortably retired, thanks to Don24:17 Remember load funds? Why no-loads and ETFs rule now25:59 American Funds' ETF pivot: lipstick on a mutual fund28:36 Listener question: Invest inheritance or pay off 6.6% mortgage?33:10 Roth IRA strategy, liquidity concerns, and investing at age 3536:17 Graduation singers belt Sinatra's “New York, New York” at Radio City38:21 Reminder: Free portfolio help at TalkingRealMoney.com39:53 End-of-show degeneracy: full monty jokes, sensitivity training, and accidental innuendo Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's show: The benefits of credit cards, recommended stock portfolio allocations and resources for helping kids learn about money. Plus: How to execute a rollover or backdoor Roth IRA? (This episode originally aired in 2024)