If YOU were to unexpectedly die tomorrow, would your loved ones know how to access your information?  Your bank accounts? Insurance policies? Debts? Access to your home and car? Your devices? Approximately 2/3 of Americans don't have any estate planning documents! To help you avoid leaving a financial mess behind, guest host Jeremy Schneider is sharing how he's PERSONALLY prepared his family for an untimely death. Specifically, he's sharing: ➡ What information and documents he has gathered  ➡ Where and how he (securely) stores it ➡ His process for keeping everything updated If you need actionable ideas (and motivation!) to tackle this critical planning task, today's episode is for you. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 👉  Follow Jeremy Schneider on Instagram ✏️  Grab the Episode Show Notes 📘  Check Out My New Book: More Than Money 📊  Get Your Free Retirement and Tax Analysis

If YOU were to unexpectedly die tomorrow, would your loved ones know how to access your information?  Your bank accounts? Insurance policies? Debts? Access to your home and car? Your devices? Approximately 2/3 of Americans don't have any estate planning documents! To help you avoid leaving a financial mess behind, guest host Jeremy Schneider is sharing how he's PERSONALLY prepared his family for an untimely death. Specifically, he's sharing: ➡ What information and documents he has gathered  ➡ Where and how he (securely) stores it ➡ His process for keeping everything updated If you need actionable ideas (and motivation!) to tackle this critical planning task, today's episode is for you. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Stay Wealthy Retirement Newsletter</a>. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Click here to subscribe and grab your cheatsheet</a>. *** EPISODE RESOURCES: 👉  <a href="https://www.instagram.com/personalfinanceclub/" rel="noopener nofollow" target="_blank">Follow Jeremy Schneider on Instagram</a> ✏️  <a href="https://www.youstaywealthy.com/194" rel="noopener nofollow" target="_blank">Grab the Episode Show Notes</a> 📘  <a href="https://www.morethanmoneybook.com/" rel="noopener nofollow" target="_blank">Check Out My New Book: More Than Money</a> 📊  <a href="https://www.freeretirementassessment.com/" rel="noopener nofollow" target="_blank">Get Your Free Retirement and Tax Analysis</a>

How to Prepare Loved Ones for When You Die

Today I'm discussing a new retirement withdrawal strategy.  The strategy is simple + allows retirees to (safely) spend more money than the 4% rule. It also protects against one of the biggest threats to retirement—Sequence Risk! If you want to avoid leaving behind a mattress full of money and learn about a simpler approach to boosting retirement income, you'll enjoy today's episode. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘  Check Out My New Book: More Than Money ✏️  Grab the Episode Show Notes 📊  Get Your Free Retirement and Tax Analysis

Today I'm discussing a new retirement withdrawal strategy.  The strategy is simple + allows retirees to (safely) spend more money than the 4% rule. It also protects against one of the biggest threats to retirement—Sequence Risk! If you want to avoid leaving behind a mattress full of money and learn about a simpler approach to boosting retirement income, you'll enjoy today's episode. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Stay Wealthy Retirement Newsletter</a>. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Click here to subscribe and grab your cheatsheet</a>. *** EPISODE RESOURCES: 📘  <a href="https://www.morethanmoneybook.com/" rel="noopener nofollow" target="_blank">Check Out My New Book: More Than Money</a> ✏️  <a href="https://www.youstaywealthy.com/192" rel="noopener nofollow" target="_blank">Grab the Episode Show Notes</a> 📊  <a href="https://www.freeretirementassessment.com/" rel="noopener nofollow" target="_blank">Get Your Free Retirement and Tax Analysis</a>

A New (and Simple!) Strategy to Boost Retirement Income

What separates a good investment from a bad one? How do you evaluate different investment options? Why are some very well-known metrics flawed and problematic? I'm answering these questions + sharing a personal story that caused me to change my approach when giving opinions about different asset classes.  WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘  Check Out My New Book: More Than Money ✏️  Grab the Episode Show Notes 📊  Get Your Free Retirement and Tax Analysis

What separates a good investment from a bad one? How do you evaluate different investment options? Why are some very well-known metrics flawed and problematic? I'm answering these questions + sharing a personal story that caused me to change my approach when giving opinions about different asset classes.  WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Stay Wealthy Retirement Newsletter</a>. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Click here to subscribe and grab your cheatsheet</a>. *** EPISODE RESOURCES: 📘  <a href="https://www.morethanmoneybook.com/" rel="noopener nofollow" target="_blank">Check Out My New Book: More Than Money</a> ✏️  <a href="https://www.youstaywealthy.com/191" rel="noopener nofollow" target="_blank">Grab the Episode Show Notes</a> 📊  <a href="https://www.freeretirementassessment.com/" rel="noopener nofollow" target="_blank">Get Your Free Retirement and Tax Analysis</a>

The Best Investment

Last year, I published an episode titled, 5 Reasons Not to Do a Roth Conversion.  The 5 reasons shared were: 1️⃣ - Shadow taxes  2️⃣ - No undo button  3️⃣ - Lack of cash flow to pay the tax bill  4️⃣ - You just don’t want to :)  5️⃣ - Future charitable giving goals Today I'm sharing three (more) reasons not to convert + why it might be ok to leave money in your pre-tax IRA. Roth conversions can be a wildly beneficial tax planning move for the right person... ...but they aren't a "no-brainer" for everyone.  If you want to learn more about situations when converting money to a Roth IRA does NOT make sense, today's episode is for you.  WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘  Check Out My New Book: More Than Money ✏️  Grab the Episode Show Notes 📊  Get Your Free Retirement and Tax Analysis

Last year, I published an episode titled, 5 Reasons Not to Do a Roth Conversion.  The 5 reasons shared were: 1️⃣ - Shadow taxes  2️⃣ - No undo button  3️⃣ - Lack of cash flow to pay the tax bill  4️⃣ - You just don’t want to :)  5️⃣ - Future charitable giving goals Today I'm sharing three (more) reasons not to convert + why it might be ok to leave money in your pre-tax IRA. Roth conversions can be a wildly beneficial tax planning move for the right person... ...but they aren't a "no-brainer" for everyone.  If you want to learn more about situations when converting money to a Roth IRA does NOT make sense, today's episode is for you.  WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Stay Wealthy Retirement Newsletter</a>. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Click here to subscribe and grab your cheatsheet</a>. *** EPISODE RESOURCES: 📘  <a href="https://www.morethanmoneybook.com/" rel="noopener nofollow" target="_blank">Check Out My New Book: More Than Money</a> ✏️  <a href="https://www.youstaywealthy.com/190" rel="noopener nofollow" target="_blank">Grab the Episode Show Notes</a> 📊  <a href="https://www.freeretirementassessment.com/" rel="noopener nofollow" target="_blank">Get Your Free Retirement and Tax Analysis</a>

3 (More) Reasons NOT to Do Roth Conversions

"Cash is king." But is it a great investment?  Historically, investors have built up dry powder to fund emergencies or survive market downturns. But with cash now yielding close to 5%... ...many investors are viewing cash as a way to make money. Today I'm sharing why cash — even at today's rates — is a bad investment. I'm also sharing how much cash a retirement investor should consider holding. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘  Check Out My New Book: More Than Money ✏️  Grab the Episode Show Notes 📊  Get Your Free Retirement and Tax Analysis

"Cash is king." But is it a great investment?  Historically, investors have built up dry powder to fund emergencies or survive market downturns. But with cash now yielding close to 5%... ...many investors are viewing cash as a way to make money. Today I'm sharing why cash — even at today's rates — is a bad investment. I'm also sharing how much cash a retirement investor should consider holding. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Stay Wealthy Retirement Newsletter</a>. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Click here to subscribe and grab your cheatsheet</a>. *** EPISODE RESOURCES: 📘  <a href="https://www.morethanmoneybook.com/" rel="noopener nofollow" target="_blank">Check Out My New Book: More Than Money</a> ✏️  <a href="https://www.youstaywealthy.com/189" rel="noopener nofollow" target="_blank">Grab the Episode Show Notes</a> 📊  <a href="https://www.freeretirementassessment.com/" rel="noopener nofollow" target="_blank">Get Your Free Retirement and Tax Analysis</a>

Why Cash Is Not a Great Investment (Even With a 5% Yield!)

For the last 53 years, U.S. stocks have significantly outperformed international stocks. (It's not even close.) As a result, many retirement investors are left wondering if they should own this asset class. Today I'm sharing why owning international stocks over the last 5 decades -- despite the disappointing track record -- was actually a smart decision. I’m also sharing why owning international stocks for the next 50 years and beyond is likely a wise decision, too.  WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘  Check Out My New Book: More Than Money ✏️  Grab the Episode Show Notes 📊  Get Your Free Retirement and Tax Analysis

For the last 53 years, U.S. stocks have significantly outperformed international stocks. (It's not even close.) As a result, many retirement investors are left wondering if they should own this asset class. Today I'm sharing why owning international stocks over the last 5 decades -- despite the disappointing track record -- was actually a smart decision. I’m also sharing why owning international stocks for the next 50 years and beyond is likely a wise decision, too.  WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Stay Wealthy Retirement Newsletter</a>. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Click here to subscribe and grab your cheatsheet</a>. *** EPISODE RESOURCES: 📘  <a href="https://www.morethanmoneybook.com/" rel="noopener nofollow" target="_blank">Check Out My New Book: More Than Money</a> ✏️  <a href="https://www.youstaywealthy.com/188" rel="noopener nofollow" target="_blank">Grab the Episode Show Notes</a> 📊  <a href="https://www.freeretirementassessment.com/" rel="noopener nofollow" target="_blank">Get Your Free Retirement and Tax Analysis</a>

International Stocks: 3 Reasons Why Retirement Investors Should Own Them

Today I'm joined by Phil Huber, Chief Investment Officer at Savant Wealth Management. Phil joins me to take the other side of the alternative investment debate and shares three big insights: 1.) What exactly defines an "alternative investment" 2.) Why traditional stock/bond portfolios will be challenged in the years ahead 3.) How alternatives can help to reduce risk and improve investment returns He also addresses common misconceptions about this complex asset class.   If you're looking to expand your investment knowledge and learn how alternatives might enhance your retirement portfolio, this episode is for you. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘  Check Out My New Book: More Than Money ✏️  Grab the Episode Show Notes 📊  Get Your Free Retirement and Tax Analysis

Today I'm joined by Phil Huber, Chief Investment Officer at Savant Wealth Management. Phil joins me to take the other side of the alternative investment debate and shares three big insights: 1.) What exactly defines an "alternative investment" 2.) Why traditional stock/bond portfolios will be challenged in the years ahead 3.) How alternatives can help to reduce risk and improve investment returns He also addresses common misconceptions about this complex asset class.   If you're looking to expand your investment knowledge and learn how alternatives might enhance your retirement portfolio, this episode is for you. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Stay Wealthy Retirement Newsletter</a>. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Click here to subscribe and grab your cheatsheet</a>. *** EPISODE RESOURCES: 📘  <a href="https://www.morethanmoneybook.com/" rel="noopener nofollow" target="_blank">Check Out My New Book: More Than Money</a> ✏️  <a href="https://www.youstaywealthy.com/187" rel="noopener nofollow" target="_blank">Grab the Episode Show Notes</a> 📊  <a href="https://www.freeretirementassessment.com/" rel="noopener nofollow" target="_blank">Get Your Free Retirement and Tax Analysis</a>

Phil-in the Gaps: Why Alternative Investments Belong in Your Retirement Portfolio

Today I'm talking about the bond market. Specifically, what it's currently telling us about where the economy might be headed. In fact, we've never seen bond yields sound the recession alarm this loudly. 🚨 But, how reliable is the bond market? What does this "recession warning" mean for retirement savers? And how might the current environment impact investment decisions? I'm answering these questions (and more) in this episode! WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘  Check Out the More Than Money Book ✏️  Grab the Episode Show Notes 📊  Get Your Free Retirement and Tax Analysis

Today I'm talking about the bond market. Specifically, what it's currently telling us about where the economy might be headed. In fact, we've never seen bond yields sound the recession alarm this loudly. 🚨 But, how reliable is the bond market? What does this "recession warning" mean for retirement savers? And how might the current environment impact investment decisions? I'm answering these questions (and more) in this episode! WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Stay Wealthy Retirement Newsletter</a>. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Click here to subscribe and grab your cheatsheet</a>. *** EPISODE RESOURCES: 📘  <a href="https://www.morethanmoneybook.com/" rel="noopener nofollow" target="_blank">Check Out the More Than Money Book</a> ✏️  <a href="https://www.youstaywealthy.com/186" rel="noopener nofollow" target="_blank">Grab the Episode Show Notes</a> 📊  <a href="https://www.freeretirementassessment.com/" rel="noopener nofollow" target="_blank">Get Your Free Retirement and Tax Analysis</a>

The Bond Market is Flashing a Recession Warning

Today we're talking about expectations vs reality. To help, I’m joined by Rubin Miller, founder and CIO of Peltoma Capital. Rubin and I talk about three BIG things:   Why chess players don’t make great investors How retirement savers should think about their current and future investment returns What investment assumptions should be used when running retirement planning projections  We also talk about "risk-free" investments, the hidden dangers of an investor's time horizon, and growth vs value stocks. If you want to learn how to be a successful investor + how we can use evidence to make informed retirement planning decisions, today’s episode is for you. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘  Grab Your Copy of the More Than Money Book ✏️  Grab the Episode Show Notes 📊  Get Your Free Retirement and Tax Analysis

Today we're talking about expectations vs reality. To help, I’m joined by Rubin Miller, founder and CIO of Peltoma Capital. Rubin and I talk about three BIG things:  <ol> <li>Why chess players don’t make great investors</li> <li>How retirement savers should think about their current and future investment returns</li> <li>What investment assumptions should be used when running retirement planning projections</li> </ol> We also talk about "risk-free" investments, the hidden dangers of an investor's time horizon, and growth vs value stocks. If you want to learn how to be a successful investor + how we can use evidence to make informed retirement planning decisions, today’s episode is for you. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Stay Wealthy Retirement Newsletter</a>. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Click here to subscribe and grab your cheatsheet</a>. *** EPISODE RESOURCES: 📘  <a href="https://www.morethanmoneybook.com/" rel="noopener nofollow" target="_blank">Grab Your Copy of the More Than Money Book</a> ✏️  <a href="https://www.youstaywealthy.com/185" rel="noopener nofollow" target="_blank">Grab the Episode Show Notes</a> 📊  <a href="https://www.freeretirementassessment.com/" rel="noopener nofollow" target="_blank">Get Your Free Retirement and Tax Analysis</a>

Why You Shouldn't Be Surprised By Your Investment Returns

Today I'm talking about the current banking crisis. Why? Silicon Valley Bank and Signature Bank were the 2nd and 3rd largest bank failures in history. In addition to explaining how we got here + why these banks collapsed... ...I'm answering three (3) important questions that retirement investors are asking. If you're ready to understand what this banking debacle means and what to do in response, today's episode is for you! WANT MORE RETIREMENT PLANNING TIPS? Join 2,000+ retirement savers and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: ✏️  Grab the Episode Show Notes 📊  Get Your Free Retirement and Tax Analysis 📘  More Than Money is Available Everywhere!

Today I'm talking about the current banking crisis. Why? Silicon Valley Bank and Signature Bank were the 2nd and 3rd largest bank failures in history. In addition to explaining how we got here + why these banks collapsed... ...I'm answering three (3) important questions that retirement investors are asking. If you're ready to understand what this banking debacle means and what to do in response, today's episode is for you! WANT MORE RETIREMENT PLANNING TIPS? Join 2,000+ retirement savers and subscribe to the <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Stay Wealthy Retirement Newsletter</a>. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 <a href="https://taylor-schulte.ck.page/retirement-newsletter" rel="noopener nofollow" target="_blank">Click here to subscribe and grab your cheatsheet</a>. *** EPISODE RESOURCES: ✏️  <a href="https://www.youstaywealthy.com/184" rel="noopener nofollow" target="_blank">Grab the Episode Show Notes</a> 📊  <a href="https://www.freeretirementassessment.com/" rel="noopener nofollow" target="_blank">Get Your Free Retirement and Tax Analysis</a> 📘  <a href="https://www.morethanmoneybook.com/" rel="noopener nofollow" target="_blank">More Than Money is Available Everywhere!</a>

The Banking Crisis: 3 Things Retirement Investors Need to Know

An award-winning retirement podcast dedicated to helping you:  Lower Taxes • Invest smarter • Make Work OptionalDo you want to avoid overpaying the IRS in retirement? Or learn how to prepare for the next stock market crash? How about when to take Social Security and how to turn your investments into reliable retirement income? Hey there! I'm CERTIFIED FINANCIAL PLANNER™ Taylor Schulte and I was recently named the #2 Independent Financial Advisor in the U.S. by Investopedia. Each week, I'll answer BIG financial questions and help you "stay wealthy" in retirement.

Thank you for the informative content. Cheers👍

Love your show

Excellent information. One of the best podcasts I listen to

Excellent

An award-winning retirement podcast dedicated to helping you: Lower Taxes • Invest smarter • Make Work Optional Do you want to avoid overpaying the IRS in retirement? Or learn how to prepare for the next stock market crash? How about when to take Social Security and how to turn your investments into reliable retirement income? Hey there! I'm CERTIFIED FINANCIAL PLANNER™ Taylor Schulte and I was recently named the #2 Independent Financial Advisor in the U.S. by Investopedia. Each week, I'll answer BIG financial questions and help you "stay wealthy" in retirement.

Stay Wealthy Retirement Show

Just about everyone saving for retirement is faced with the option: Traditional or Roth.  It doesn't matter if you are saving for retirement through an Individual Retirement Account (IRA) or a company-sponsored plan like a 401(k) or 403(b). You typically have the ability to choose between these two options. Unfortunately, most people default to choosing the wrong option and they could be missing out on tens of thousands of extra dollars in their retirement accounts. In today's episode, you will learn:  Why we put money in retirement accounts to begin with The rules of thumb for choosing a retirement account and why you might not want to follow them Which type of retirement account - Traditional or Roth - is the best option (for most people) The flipside of the argument so you make an informed decision about what is best for you A common misconception about retirement accounts and how to address this One super simple trick for choosing the best investment options in your retirement account  If you want to save more money, reduce your future tax bill, and invest smarter, you don't want to miss today's episode.   Show notes: www.youstaywealthy.com/24  DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Just about everyone saving for retirement is faced with the option: Traditional or Roth.  It doesn't matter if you are saving for retirement through an Individual Retirement Account (IRA) or a company-sponsored plan like a 401(k) or 403(b). You typically have the ability to choose between these two options. Unfortunately, most people default to choosing the wrong option and they could be missing out on tens of thousands of extra dollars in their retirement accounts. In today's episode, you will learn: <ul> <li>Why we put money in retirement accounts to begin with</li> <li>The rules of thumb for choosing a retirement account and why you might not want to follow them</li> <li>Which type of retirement account - Traditional or Roth - is the best option (for most people)</li> <li>The flipside of the argument so you make an informed decision about what is best for you</li> <li>A common misconception about retirement accounts and how to address this</li> <li>One super simple trick for choosing the best investment options in your retirement account</li> </ul> If you want to save more money, reduce your future tax bill, and invest smarter, you don't want to miss today's episode.   Show notes: <a href="http://www.youstaywealthy.com/24" rel="nofollow" target="_blank">www.youstaywealthy.com/24</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Traditional or Roth: Breaking Down Retirement Accounts

When it comes to investing, historical returns show us that, for the most part, a buy-and-hold strategy will always outperform an active one. This means that, once you have a concrete investing plan in place, you should stick with it through thick and thin — and no matter what the market does on any given day. But that doesn’t mean you can randomly buy stocks and bonds and expect things to go your way. Well, you can, I guess...but you will likely regret it for years to come if you do. In today’s podcast, I interviewed Peter Lazaroff, financial expert and author of Making Money Simple: The Complete Guide to Getting Your Financial House in Order and Keeping It That Way Forever to find out the biggest mistakes even the most well-intentioned investors make with their portfolios over time. His answers may surprise you, so you don’t want to miss out.  Show Notes &amp; Links: www.youstaywealthy.com/43 DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

When it comes to investing, historical returns show us that, for the most part, a buy-and-hold strategy will always outperform an active one. This means that, once you have a concrete investing plan in place, you should stick with it through thick and thin — and no matter what the market does on any given day. But that doesn’t mean you can randomly buy stocks and bonds and expect things to go your way. Well, you can, I guess...but you will likely regret it for years to come if you do. In today’s podcast, I interviewed Peter Lazaroff, financial expert and author of Making Money Simple: The Complete Guide to Getting Your Financial House in Order and Keeping It That Way Forever to find out the biggest mistakes even the most well-intentioned investors make with their portfolios over time. His answers may surprise you, so you don’t want to miss out.  Show Notes &amp; Links: <a href="http://www.youstaywealthy.com/43" rel="nofollow" target="_blank">www.youstaywealthy.com/43</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Want to Retire? Avoid These Three Tragic Investing Mistakes

Are you a working professional? If so, now is the perfect time to make smart moves to lower taxes in retirement. Nearing retirement or already retired? Don't worry, it's not too late to win the game against the I.R.S. Remember, it's very possible to have a higher tax bill in retirement than as a working professional. Where do these taxes come from?  Required Minimum Distributions (RMDs) Social Security Pensions Real Estate Income Roth Conversions Interest and Dividends Capital Gains  Without the proper planning, you could be in for a rude awakening. Check out this week's podcast episode to learn how you can reduce your tax bill in retirement. I'm breaking it down for you in plain English. Show Notes &amp; Links: www.youstaywealthy.com/38 DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Are you a working professional? If so, now is the perfect time to make smart moves to lower taxes in retirement. Nearing retirement or already retired? Don't worry, it's not too late to win the game against the I.R.S. Remember, it's very possible to have a higher tax bill in retirement than as a working professional. Where do these taxes come from? <ul> <li>Required Minimum Distributions (RMDs)</li> <li>Social Security</li> <li>Pensions</li> <li>Real Estate Income</li> <li>Roth Conversions</li> <li>Interest and Dividends</li> <li>Capital Gains</li> </ul> Without the proper planning, you could be in for a rude awakening. Check out this week's podcast episode to learn how you can reduce your tax bill in retirement. I'm breaking it down for you in plain English. Show Notes &amp; Links: <a href="http://www.youstaywealthy.com/38" rel="nofollow" target="_blank">www.youstaywealthy.com/38</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

How to Lower Taxes in Retirement

Search "dividend stocks" and Google will return over fifty million results in less than half of a second. Dividend stocks have long been referred to as a solid investment strategy. Not because of their historical performance or tax efficiency but because they tell a good story. Unfortunately, when you really dig down into the numbers and compare dividend investing to the alternatives, the story falls apart. In today’s episode, we’re going to take a deep dive into the world of dividend-paying stocks and what you should be thinking about by exploring:  What a dividend is Why people gravitate towards dividend paying stocks 5 reasons most people should avoid dividend paying stocks Alternative ways to create more value and income in your portfolio through Total Return Investing  If you want to better understand dividends and learn about the right way to generate income with your portfolio, you’re going to want to listen to all of today’s episode. Show notes: www.youstaywealthy.com/25  DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Search "dividend stocks" and Google will return over fifty million results in less than half of a second. Dividend stocks have long been referred to as a solid investment strategy. Not because of their historical performance or tax efficiency but because they tell a good story. Unfortunately, when you really dig down into the numbers and compare dividend investing to the alternatives, the story falls apart. In today’s episode, we’re going to take a deep dive into the world of dividend-paying stocks and what you should be thinking about by exploring: <ul> <li>What a dividend is</li> <li>Why people gravitate towards dividend paying stocks</li> <li>5 reasons most people should avoid dividend paying stocks</li> <li>Alternative ways to create more value and income in your portfolio through Total Return Investing</li> </ul> If you want to better understand dividends and learn about the right way to generate income with your portfolio, you’re going to want to listen to all of today’s episode. Show notes: <a href="http://www.youstaywealthy.com/25" rel="nofollow" target="_blank">www.youstaywealthy.com/25</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Dividend Stocks: 5 Reasons to Stay Away

Ashby Daniels

Retirement planning expert, Ashby Daniels, CFP® joins us on the show today to talk about how to properly plan and invest for a 30+ year retirement. In today’s episode you are going to learn three things:  Why living longer shouldn’t necessarily be considered a risk to your retirement How inflation impacts your retirement nest egg and how to factor it into your retirement plan so you don't run out of money A specific investment strategy that can be used to address some of the common challenges that many retirees are facing today  For all the links and resources mentioned in this episode, visit www.youstaywealthy.com/47

Retirement planning expert, Ashby Daniels, CFP® joins us on the show today to talk about how to properly plan and invest for a 30+ year retirement. In today’s episode you are going to learn three things: <ol> <li>Why living longer shouldn’t necessarily be considered a risk to your retirement</li> <li>How inflation impacts your retirement nest egg and how to factor it into your retirement plan so you don't run out of money</li> <li>A specific investment strategy that can be used to address some of the common challenges that many retirees are facing today</li> </ol> For all the links and resources mentioned in this episode, visit <a href="http://www.youstaywealthy.com/47" rel="nofollow" target="_blank">www.youstaywealthy.com/47</a>

How to Invest for a 30+ Year Retirement with Ashby Daniels, CFP®

Right now is the perfect time to start thinking about your 2018 tax bill. Not year-end. Not the first week of April just before you meet with your CPA. Right. Now. With some proper planning, you can make some strategic moves that will help you save money on taxes today and in the future. Today, we’re sharing three tax strategies that are often overlooked or unknown to the general public. They include:  Donor-Advised Funds Mega Backdoor Roth Asset Location  We’ll explain what each of these are, why they can work for virtually anyone, and how to get started.  We also tackle a listener question about when it’s time to start working with a financial advisor. Links, show notes, and resources for this episode: www.youstaywealthy.com/30  DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Right now is the perfect time to start thinking about your 2018 tax bill. Not year-end. Not the first week of April just before you meet with your CPA. Right. Now. With some proper planning, you can make some strategic moves that will help you save money on taxes today and in the future. Today, we’re sharing three tax strategies that are often overlooked or unknown to the general public. They include: <ul> <li>Donor-Advised Funds</li> <li>Mega Backdoor Roth</li> <li>Asset Location</li> </ul> We’ll explain what each of these are, why they can work for virtually anyone, and how to get started.  We also tackle a listener question about when it’s time to start working with a financial advisor. Links, show notes, and resources for this episode: <a href="http://www.youstaywealthy.com/30" rel="nofollow" target="_blank">www.youstaywealthy.com/30</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Top 3 Tax Saving Tips That Fly Under the Radar

Today I'm sharing the correct order for saving and investing your retirement dollars.  Most people think the first stop for your hard-earned money is your 401(k) or IRA, but that's not always the case. Knowing exactly where to save your money 1st, 2nd, 3rd, etc., can make a big difference in your long-term savings and future tax bill. So, if you have always wanted to know the order of operations for saving your money, this episode is for you. Oh, and don't forget to sign up for our live webinar with attorney and retirement tax expert Jamie Hopkins. Learn more: www.staywealthywebinar.com --- DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services. 

Today I'm sharing the correct order for saving and investing your retirement dollars.  Most people think the first stop for your hard-earned money is your 401(k) or IRA, but that's not always the case. Knowing exactly where to save your money 1st, 2nd, 3rd, etc., can make a big difference in your long-term savings and future tax bill. So, if you have always wanted to know the order of operations for saving your money, this episode is for you. Oh, and don't forget to sign up for our live webinar with attorney and retirement tax expert Jamie Hopkins. Learn more: <a href="https://www.staywealthywebinar.com" rel="noopener nofollow" target="_blank">www.staywealthywebinar.com</a> --- DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

The Correct Order for Saving & Investing Your Money

The stock market has been screaming upwards for over 10 years now. Many are worried about putting their hard-earned money in stocks, thinking we must be due for a correction soon. Is it dangerous to invest at market highs? Is it better to wait for a correction before investing in stocks? What if I'm retired or already in retirement? Should I even be investing in stocks at all? I’m answering these questions and more in part two of our financial myth-busting series. For all the links and resources mentioned in this episode, visit www.youstaywealthy.com/58 DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services

The stock market has been screaming upwards for over 10 years now. Many are worried about putting their hard-earned money in stocks, thinking we must be due for a correction soon. Is it dangerous to invest at market highs? Is it better to wait for a correction before investing in stocks? What if I'm retired or already in retirement? Should I even be investing in stocks at all? I’m answering these questions and more in part two of our financial myth-busting series. For all the links and resources mentioned in this episode, visit <a href="http://www.youstaywealthy.com/57" rel="nofollow" target="_blank">www.youstaywealthy.com/58</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services

Financial Myth #2: It's Dangerous to Invest at Market Highs

Ryan Kirlin

Without question, you have heard of Exchange Traded Funds, also commonly referred to as ETFs. It's a complex topic so I brought in the best person I know to help us break it down, in plain English.  Ryan Kirlin is the Head of Capital Markets for Alpha Architect. He's also a national-caliber rowing athlete and his claim to fame is having been tested at a resting heart rate of 38 while on the U.S. team for rowing. It was the second-lowest resting heart rate recorded by the US team doctors in 40 years! Today, with Ryan's help, we’ll dig into:  What exactly an ETF is How ETFs are different from a mutual fund The tax benefits of an ETF versus a mutual fund Why their popularity won't be slowing down any time soon  Show Notes &amp; Links: www.youstaywealthy.com/54 DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Without question, you have heard of Exchange Traded Funds, also commonly referred to as ETFs. It's a complex topic so I brought in the best person I know to help us break it down, in plain English.  Ryan Kirlin is the Head of Capital Markets for Alpha Architect. He's also a national-caliber rowing athlete and his claim to fame is having been tested at a resting heart rate of 38 while on the U.S. team for rowing. It was the second-lowest resting heart rate recorded by the US team doctors in 40 years! Today, with Ryan's help, we’ll dig into: <ul> <li>What exactly an ETF is</li> <li>How ETFs are different from a mutual fund</li> <li>The tax benefits of an ETF versus a mutual fund</li> <li>Why their popularity won't be slowing down any time soon</li> </ul> Show Notes &amp; Links: <a href="http://www.youstaywealthy.com/54" rel="nofollow" target="_blank">www.youstaywealthy.com/54</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

ETFs Rule, Mutual Funds Drool with Ryan Kirlin

Interest rates are at record low levels. The bond market in an almost 40-year year bull market. It's very possible you have heard some version of the following statement: "If (or when) interest rates rise, bonds will lose money." If you're a listener of this retirement podcast, you might know that it’s not entirely incorrect. Bonds and interest rates do have an inverse relationship. But it's complex. Learn what really happens to a long-term bond portfolio if we enter a rising interest rate environment. The answer may surprise you! For all the links and resources mentioned in this episode, visit www.youstaywealthy.com/57 DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services

Interest rates are at record low levels. The bond market in an almost 40-year year bull market. It's very possible you have heard some version of the following statement: "If (or when) interest rates rise, bonds will lose money." If you're a listener of this retirement podcast, you might know that it’s not entirely incorrect. Bonds and interest rates do have an inverse relationship. But it's complex. Learn what really happens to a long-term bond portfolio if we enter a rising interest rate environment. The answer may surprise you! For all the links and resources mentioned in this episode, visit <a href="http://www.youstaywealthy.com/57" rel="nofollow" target="_blank">www.youstaywealthy.com/57</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services

Financial Myth #1: If Interest Rates Rise, Bonds Will Lose Money

There are roughly 69 million Social Security beneficiaries in the U.S. And these beneficiaries will be witnessing a few changes to their Social Security benefits in 2020. But some working professionals who aren't even close to claiming Social Security benefits will also be experiencing a change. In today's episode, I'm sharing three important changes to Social Security in 2020, including a change that will trigger a tax increase for many younger people still working. I'm also sharing some free tools and calculators you can use to gain more clarity around your financial situation as you approach retirement. Show Notes &amp; Links: www.youstaywealthy.com/55 DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

There are roughly 69 million Social Security beneficiaries in the U.S. And these beneficiaries will be witnessing a few changes to their Social Security benefits in 2020. But some working professionals who aren't even close to claiming Social Security benefits will also be experiencing a change. In today's episode, I'm sharing three important changes to Social Security in 2020, including a change that will trigger a tax increase for many younger people still working. I'm also sharing some free tools and calculators you can use to gain more clarity around your financial situation as you approach retirement. Show Notes &amp; Links: <a href="http://www.youstaywealthy.com/54" rel="nofollow" target="_blank">www.youstaywealthy.com/55</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

These 3 Social Security Changes in 2020 Don't Just Affect Retirees

Did you know anyone can call themselves a financial advisor? Or a financial planner, a wealth manager, an investment manager… the list goes on and on. Believe it or not, these titles have no legal or regulatory meaning. They’re not evidence of experience or education. They’re just marketing tools. In fact, you could call yourself a wealth manager right now if you wanted! That’s just one reason why finding a trained, experienced, and legitimate financial advisor who works in your best interest at all times and won’t sell you and products is tough. But, I'm here to help! Today, I'm talking about the 10 biggest mistakes to avoid (plus, the questions you need to ask!) before hiring a financial advisor to help with retirement. Show Notes: www.youstaywealthy.com/38 Questions &amp; Feedback: podcast@youstaywealthy.com  DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Did you know anyone can call themselves a financial advisor? Or a financial planner, a wealth manager, an investment manager… the list goes on and on. Believe it or not, these titles have no legal or regulatory meaning. They’re not evidence of experience or education. They’re just marketing tools. In fact, you could call yourself a wealth manager right now if you wanted! That’s just one reason why finding a trained, experienced, and legitimate financial advisor who works in your best interest at all times and won’t sell you and products is tough. But, I'm here to help! Today, I'm talking about the 10 biggest mistakes to avoid (plus, the questions you need to ask!) before hiring a financial advisor to help with retirement. Show Notes: <a href="http://www.youstaywealthy.com/38" rel="nofollow" target="_blank">www.youstaywealthy.com/38</a> Questions &amp; Feedback: <a href="mailto:podcast@youstaywealthy.com">podcast@youstaywealthy.com</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

10 Biggest Mistakes to Avoid When Hiring a Financial Advisor

Perth Tolle

Perth Tolle is the founder of Life and Liberty Indexes. And she allocates over 50% of her hard-earned money to emerging markets. But why? Why invest in emerging markets at all? Why invest overseas if the U.S. stock market has done so well? And what are emerging markets anyways? We are answering all this and more in today’s interview. Show Notes &amp; Links: www.youstaywealthy.com/56 DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Perth Tolle is the founder of Life and Liberty Indexes. And she allocates over 50% of her hard-earned money to emerging markets. But why? Why invest in emerging markets at all? Why invest overseas if the U.S. stock market has done so well? And what are emerging markets anyways? We are answering all this and more in today’s interview. Show Notes &amp; Links: <a href="http://www.youstaywealthy.com/54" rel="nofollow" target="_blank">www.youstaywealthy.com/56</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

How to Invest in Emerging Markets and Why Most Are Doing it Wrong with Perth Tolle

Taylor Schulte

In case you missed it, market volatility is back.  On January 26th, we saw the stock market go from hitting a record high to being down 10% (a.k.a the definition of a market correction) in nine days. Here's the thing: stock market corrections are normal. They happen about once every year. What's not normal is how quickly this one happened. Find show notes and more information at www.staywealthysandiego.com/19 DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in the rendering legal, financial, or other professional services.

In case you missed it, market volatility is back.  On January 26th, we saw the stock market go from hitting a record high to being down 10% (a.k.a the definition of a market correction) in nine days. Here's the thing: stock market corrections are normal. They happen about once every year. What's not normal is how quickly this one happened. Find show notes and more information at <a href="http://www.staywealthysandiego.com/19" rel="noopener nofollow" target="_blank">www.staywealthysandiego.com/19</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in the rendering legal, financial, or other professional services.

Retirement Starts Today Radio: Taylor Schulte on Navigating Turbulent Markets

Did you know? The average cost per year for a 401(k) participant is 2.2% of their account balance, according to SmartAsset.   This number is rapidly declining, but even if you cut it in half, it would still be concerning.  When you leave a company, you have three options for dealing with your 401(k):  Leave it at your previous employer Transfer it to your new employer Roll it over to an IRA at a trusted custodian  And, given how much you might be paying in fees, I don't recommend neglecting this part of your financial plan. In today's podcast episode, we talk about each of these options and help you decide which is best.  --- If you have any more questions, please contact us at podcast@staywealthsandiego.com Thanks for Listening Be sure to subscribe on  iTunes,  Stitcher,  Spotify, Android, or wherever you get your podcasts.  And feel free to drop us a line at podcast@staywealthsandiego.com Find show notes and more information at http://www.staywealthysandiego.com/35 DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Did you know? The average cost per year for a 401(k) participant is 2.2% of their account balance, according to SmartAsset.   This number is rapidly declining, but even if you cut it in half, it would still be concerning.  When you leave a company, you have three options for dealing with your 401(k): <ol> <li>Leave it at your previous employer</li> <li>Transfer it to your new employer</li> <li>Roll it over to an IRA at a trusted custodian</li> </ol> And, given how much you might be paying in fees, I don't recommend neglecting this part of your financial plan. In today's podcast episode, we talk about each of these options and help you decide which is best.  --- If you have any more questions, please contact us at <a href="mailto:podcast@staywealthsandiego.com">podcast@staywealthsandiego.com</a> Thanks for Listening Be sure to subscribe on <a href="https://itunes.apple.com/us/podcast/stay-wealthy-san-diego/id1260181429" rel="nofollow" target="_blank"> iTunes</a>, <a href="https://www.stitcher.com/podcast/taylor-schulte/stay-wealthy-san-diego" rel="nofollow" target="_blank"> Stitcher</a>, <a href="https://open.spotify.com/show/1qZymBONrPtcHddFqjIg5Z?si=snWwUl89SBCE43ZuDGevMw" rel="nofollow" target="_blank"> Spotify</a>, <a href="http://subscribeonandroid.com/staywealthysandiego.libsyn.com/rss" rel="nofollow" target="_blank">Android</a>, or wherever you get your podcasts.  And feel free to drop us a line at <a href="mailto:podcast@staywealthsandiego.com">podcast@staywealthsandiego.com</a> Find show notes and more information at <a href="http://www.staywealthysandiego.com/35" rel="nofollow" target="_blank">http://www.staywealthysandiego.com/35</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Your Old 401(k): to Rollover, or Not to Rollover

Should You Sell Stocks Now? After 9 years of stock market gains, many of you are wondering if now is a good time to sell your stocks. We know this because the blog post we wrote on the topic received a ton of attention. So, today, we are tackling that question. A few things to think about before deciding if now is the time to sell your stocks.  How does this fit into your time horizon and long-term financial goals? If you’re investing for a time period of fewer than 10 years, are you taking too much risk by investing in stocks? Will you be able to get the long-term investment returns you need by selling stocks now? This and more in today's episode.   Find show notes and more information at: www.youstaywealthy.com/23 DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Should You Sell Stocks Now? After 9 years of stock market gains, many of you are wondering if now is a good time to sell your stocks. We know this because the blog post we wrote on the topic received a ton of attention. So, today, we are tackling that question. A few things to think about before deciding if now is the time to sell your stocks. <ul> <li>How does this fit into your time horizon and long-term financial goals?</li> <li>If you’re investing for a time period of fewer than 10 years, are you taking too much risk by investing in stocks?</li> <li>Will you be able to get the long-term investment returns you need by selling stocks now?</li> <li>This and more in today's episode. </li> </ul> Find show notes and more information at: <a href="http://www.youstaywealthy.com/23" rel="nofollow" target="_blank">www.youstaywealthy.com/23</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Should You Sell Stocks Now?

When you contribute to retirement accounts, you typically have two options:  Contribute pre-tax dollars today, pay taxes in retirement when you withdraw (Traditional 401k/IRA) Contribute after-tax dollars today, withdraw tax-free in retirement (Roth 401k/IRA)  Ask 100 people and 99 of them will likely choose option one. A tax deduction certainly sounds better than no tax deduction. I get it. I love tax deductions. But I think the Roth 401(k) is actually the right decision for most retirement investors. Tune in to today's episode to learn why! For all the links and resources mentioned in this episode, visit www.youstaywealthy.com/60 DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services

When you contribute to retirement accounts, you typically have two options: <ol> <li>Contribute pre-tax dollars today, pay taxes in retirement when you withdraw (Traditional 401k/IRA)</li> <li>Contribute after-tax dollars today, withdraw tax-free in retirement (Roth 401k/IRA)</li> </ol> Ask 100 people and 99 of them will likely choose option one. A tax deduction certainly sounds better than no tax deduction. I get it. I love tax deductions. But I think the Roth 401(k) is actually the right decision for most retirement investors. Tune in to today's episode to learn why! For all the links and resources mentioned in this episode, visit <a href="http://www.youstaywealthy.com/60" rel="nofollow" target="_blank">www.youstaywealthy.com/60</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services

Financial Myth #4: A Traditional 401(k) is Better Than a Roth 401(k) When Saving for Retirement

Life insurance is wildly misunderstood and often oversold.  In today's episode, we take a deep dive into the world of life insurance to show you how to buy it the right way, saving you money, time, and future headaches.  We discuss:  Why we buy life insurance to begin with How to know when you need it What types of life insurance you should consider Where to buy it to make sure you're getting a good deal. Plus, why you might not want to buy life insurance through your employer.  As a bonus, we also share some resources for finding insurance money out there that you are entitled to. We also tackle a listener question about 529 college savings plans and the proper way to get one set up for kids and grandkids. Links, show notes, and resources for this episode: www.youstaywealthy.com/29  DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

Life insurance is wildly misunderstood and often oversold.  In today's episode, we take a deep dive into the world of life insurance to show you how to buy it the right way, saving you money, time, and future headaches.  We discuss: <ul> <li>Why we buy life insurance to begin with</li> <li>How to know when you need it</li> <li>What types of life insurance you should consider</li> <li>Where to buy it to make sure you're getting a good deal.</li> <li>Plus, why you might not want to buy life insurance through your employer.</li> </ul> As a bonus, we also share some resources for finding insurance money out there that you are entitled to. We also tackle a listener question about 529 college savings plans and the proper way to get one set up for kids and grandkids. Links, show notes, and resources for this episode: <a href="http://www.youstaywealthy.com/29" rel="nofollow" target="_blank">www.youstaywealthy.com/29</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

How to Buy Life Insurance the Smart Way

“Better start planning for college!” – Every financial planner when you tell them you’re having a baby Speaking of having a baby, my second son was born the day this podcast episode was recorded. Please welcome Sutton Cole! He weighed 7 pounds 7 ounces, he’s sleeping like a champ, and he doesn’t have a 529 college saving account.  While planning for college is important, there are three things more important than opening a 529 college savings account when you have a child. Listen to today's show to learn the critical financial planning moves new parents (or parents that haven't started planning) need to make.  If you have any more questions, please contact us at podcast@staywealthsandiego.com Thanks for Listening Be sure to subscribe on  iTunes,  Stitcher,  Spotify, Android, or wherever you get your podcasts.  And feel free to drop us a line at podcast@staywealthsandiego.com Find show notes and more information at http://www.staywealthysandiego.com/33 DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

“Better start planning for college!” – Every financial planner when you tell them you’re having a baby Speaking of having a baby, my second son was born the day this podcast episode was recorded. Please welcome Sutton Cole! He weighed 7 pounds 7 ounces, he’s sleeping like a champ, and he doesn’t have a 529 college saving account.  While planning for college is important, there are three things more important than opening a 529 college savings account when you have a child. Listen to today's show to learn the critical financial planning moves new parents (or parents that haven't started planning) need to make.  If you have any more questions, please contact us at <a href="mailto:podcast@staywealthsandiego.com">podcast@staywealthsandiego.com</a> Thanks for Listening Be sure to subscribe on <a href="https://itunes.apple.com/us/podcast/stay-wealthy-san-diego/id1260181429" rel="nofollow" target="_blank"> iTunes</a>, <a href="https://www.stitcher.com/podcast/taylor-schulte/stay-wealthy-san-diego" rel="nofollow" target="_blank"> Stitcher</a>, <a href="https://open.spotify.com/show/1qZymBONrPtcHddFqjIg5Z?si=snWwUl89SBCE43ZuDGevMw" rel="nofollow" target="_blank"> Spotify</a>, <a href="http://subscribeonandroid.com/staywealthysandiego.libsyn.com/rss" rel="nofollow" target="_blank">Android</a>, or wherever you get your podcasts.  And feel free to drop us a line at <a href="mailto:podcast@staywealthsandiego.com">podcast@staywealthsandiego.com</a> Find show notes and more information at <a href="http://www.staywealthysandiego.com/33" rel="nofollow" target="_blank">http://www.staywealthysandiego.com/33</a> DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.

 529 Accounts: Three Things That Are More Important

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