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ABC’s of College Funding

Newly updated for 2022: Your child getting into college is a very exciting time, but finding out the cost and figuring out how you can afford it can be quite overwhelming. Get schooled on the ABC’s of college funding as we answer some of the important questions about how to fund your kid’s college expenses […]

29
AUG
2022
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Pay Tax on This Move Now to Potentially Have More to Spend Later

The time may be right for a giant Roth IRA conversion, especially now while the market is down, to potentially give you more money to spend in retirement. How does that work with long-term capital gains and dividends, and how much should you convert to Roth, and when, and how? Plus, deciding how to invest 529 plan college savings, whether to save to pre-tax or post-tax retirement accounts, and the ever-popular Backdoor Roth strategy. 

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26
JUL
2022
LISTEN NOW

How to Save for Education: 529 Plan, Coverdell, Prepaid Tuition & More | College Planning Strategies

Should you use a 529 plan, Coverdell, prepaid tuition, or a brokerage account to pay for college? Learn the various ways to save for education for your kids and grandkids, the pros and cons of each, and strategies to make the most of your college savings. Transcript: Andi: Thank you all for joining us on […]

29
JUN
2022
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How to Save for College | Financial Tip

If you want to help your child pay for college, or even cover their whole education expense, diverting money earmarked for retirement savings or taking withdrawals from your employer-sponsored retirement plan is one of the fastest ways to derail your retirement. Bryan Ross, CFP®, AIF®, financial planner at Pure Financial Advisors, covers the basics on […]

02
JUN
2022
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College Savings Plans Pros and Cons

Has the thought of how to pay for college expenses kept you up at night? It shouldn’t! Sometimes all you need is a plan and knowing what are the best options that relate to your situation. Johnson Andrews, CFP®, financial planner at Pure Financial Advisors, covers three popular college saving plans and their pros and […]

02
JUN
2022
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Roth Conversion Retirement Spitball Analysis

Does it make sense to do larger “Calvin Johnson” (Megatron, aka mega backdoor) Roth conversions when the financial markets are way down? Should you convert to Roth now, or in retirement? How do you spitball the right amount to have in 529 plans for education savings? And are the rules for doing a backdoor Roth the same if you’re married filing separately?

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Free Financial Assessment

26
APR
2022
LISTEN NOW

How to Pay the Tax on a Roth Conversion

Learn the basics of Roth IRA conversions, how to calculate the tax on a Roth conversion, when to pay the tax, and more. Plus, ideas for what to do with unused 529 plan education savings funds, rules for 401(a) accounts, understanding the alternative minimum tax, the latest tax proposals, how to calculate employer solo 401(k) contributions – and that’s just the tip of the iceberg.

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Free Financial Assessment

26
OCT
2021
LISTEN NOW
SEASON 7, EPISODE 10

Money Saving Tips For Funding College

Helping your adult children afford a college education is likely one of the biggest investments you’ll undertake. Too often families fail to put together a financial plan for college, so they are tempted to dip into their retirement funds and jeopardize their own financial security. The result: parents are taking on more debt than ever […]

04
OCT
2021
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Pay Down the Mortgage or Buy Long Term Care Insurance?

Joe and Big Al field emails on a wide range of personal finance topics this week on YMYW: ex-spouse Social Security benefits, paying the mortgage or buying long-term care insurance, how the FIRE community uses the Roth conversion ladder, tax rules for sole proprietors hiring minors, using excess 529 plan education savings, paying taxes or paying back a Coronavirus Related Distribution, and when to file form 8606 to report IRA contributions.

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Free Financial Assessment

20
APR
2021
LISTEN NOW

Roth IRA Excess Contributions and the Pro-Rata Rule

Recharacterization of excess Roth IRA contributions, converting post-tax contributions to Roth 401(k), and the pro-rata rule. Plus, target-date fund ladders? Also, investing 529 plan money, section 199A dividends from real estate investment trusts (REITs), and how Matt Stafford should save for retirement with his new $34M LA Rams contract (just in case you’re expecting a football player’s salary anytime soon.)

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Free Financial Assessment

30
MAR
2021
LISTEN NOW

Monthly Retirement Pension Vs. Lump Sum Payment: How to Choose

Choosing the pension lump sum or monthly payment: let it ride, roll it, or annuitize it? Plus, spitball analyses involving the 72(t) tax election, a donor-advised fund, 529 plans, and early retirement. Also, is growth on after-tax 401(k) contributions tax-free? How much of the portfolio should be in tax-free, taxable, and tax-deferred accounts? How does […]

09
MAR
2021
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How to Choose Your Pension Options and Retirement Withdrawal Strategy

Welcome to 2021! In this first episode of the year, Joe and Big Al go over estate planning strategies for CFP® candidate/Redditor Nate in SC, they do a spitball analysis for John in TN who wants to retire early, a retirement withdrawal and 529 plan strategy for Ace in TX, and a breakdown of pension […]

05
JAN
2021
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Backdoor Roth Conversions and Investing for Kids

Are you screwing up your Backdoor Roth IRA conversion? Find out. Plus, tax on mega-Backdoor Roth conversions, Medicaid spend-down rules and your Roth IRA, and Joe and Big Al take a burning confession about Roth conversions and IRS form 8606. Also, more on Vanguard’s VTSAX and dividend yield, and various options for investing for minor […]

29
SEP
2020
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Tax Brackets Explained: How Much Are You Really Paying in Taxes?

If you’re in the 22% tax bracket, does 22% of what you make go to the IRS? How does capital gains tax work with ordinary income tax? Joe & Big Al explain how tax brackets work and they answer your Roth contribution and Roth conversion questions: like what’s the point of a Roth conversion if […]

24
MAR
2020
LISTEN NOW

Real Estate Investing: How to Find Bread & Butter Rental Properties

How do you run the numbers to find a good, profitable rental property? Should you pay off the mortgage, buy more real estate, or save for retirement? Should you buy a home with all cash? Can a property be considered a rental for tax purposes? Should you refinance your home to pay student loans? What […]

18
FEB
2020
LISTEN NOW
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