Mike Savino

I am a fan of M1 Finance. In fact, I have my own account there where I invest in the Vanguard ETFs.    I am an affiliate too. Meaning if you open an account...I get PAID.  HUGE BUCKS!  So, if you are going to open an account why not do so through this link?  M1Finance affiliate: https://mbsy.co/BnjJ6 In fact, if YOU set up your own account and suggest M1 to others who open an account you can also make money.  How much? I really don't know. But man, oh man, if people would just use low cost providers like M1 and the many others out there instead of paying huge fees, retirement would be that much closer for them.    ================================ Get the PDF version of my Tax Bomb book for free follow this link. https://mailchi.mp/7e528cd3cfb3/taxbomb--- Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

I am a fan of M1 Finance. In fact, I have my own account there where I invest in the Vanguard ETFs.    I am an affiliate too. Meaning if you open an account...I get PAID.  HUGE BUCKS!  So, if you are going to open an account why not do so through this link?  M1Finance affiliate: <a href="https://www.youtube.com/redirect?v=wxtRgYq1PC4&amp;redir_token=K7INbwCFDiVICrBZydK29cSMY3Z8MTU3Mzg1MzMxMkAxNTczNzY2OTEy&amp;event=video_description&amp;q=https%3A%2F%2Fmbsy.co%2FBnjJ6" rel="nofollow" target="_blank">https://mbsy.co/BnjJ6</a> In fact, if YOU set up your own account and suggest M1 to others who open an account you can also make money.  How much? I really don't know. But man, oh man, if people would just use low cost providers like M1 and the many others out there instead of paying huge fees, retirement would be that much closer for them.    ================================ Get the PDF version of my Tax Bomb book for free follow this link. <a href="https://www.youtube.com/redirect?v=wxtRgYq1PC4&amp;redir_token=K7INbwCFDiVICrBZydK29cSMY3Z8MTU3Mzg1MzMxMkAxNTczNzY2OTEy&amp;event=video_description&amp;q=https%3A%2F%2Fmailchi.mp%2F7e528cd3cfb3%2Ftaxbomb" rel="nofollow" target="_blank">https://mailchi.mp/7e528cd3cfb3/taxbomb</a>--- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

M1 Finance Interview With Mike Savino

Amar Shah

Find the video version here. https://youtu.be/CkhbQ_cG1I0--- Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

Find the video version here. <a href="https://youtu.be/CkhbQ_cG1I0" rel="nofollow" target="_blank">https://youtu.be/CkhbQ_cG1I0</a>--- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Financial Planning Live Stream with Amar Shah

Michelle Stirling

It breaks my heart that so many adults are convincing children that they're going to die in a climate apocalypse.  It's no wonder why folks such as AOC say they're not going to bring kids into the world because of this scare-mongering.  Yet, scare-mongering is all it is. It's not true.  And the adults if they had any sense of dignity should be ashamed of themselves. Unfortunately, when there is so much money at stake, shame takes a back-seat. It's all about dollars, and how some people can get more and more.  Using kids, and animals, as propaganda is certainly not new behavior to those trying to frighten people.  "What about the children" is the cry that is heard time and again when one engages in a behavior someone else doesn't like. But the climate alarmists seem to have a lock on the technique. And seeing Greta Thunberg at the UN chastise us with her "How Dare You" speech saddened me deeply.  She is being used.  Used as a tool by her parents. By the media. By the left. By wealthy corporate types.  By Arnold Schwarzenegger, Leonard DiCaprio etc. By anyone and everyone who are trying to capitalize on the money that can be found in climate alarmism.  So, when I saw this video by Michelle Stirling, over at the Friends of Science Youtube channel,  https://www.youtube.com/watch?v=P1xBFIP6ZpI&amp;t=202s, it really spoke to me.   "Don't Worry, Be Happy, Greta!" says Michelle.  You're a teenager for Heaven's sake!   I've been following Friends of Science for a bit now and greatly enjoy their content and Michelle's delivery.  If you're of French language she does some of the videos in French too.  Pretty cool.   It was a HUGE pleasure for me to interview her today. I think you'll enjoy this discussion immensely.  You'll get mad too, don't get me wrong. The greens have been taken over by fascists, no two ways around it.  And when I say fascist I mean it in the true sense of the word, Big Government and Big Business colluding.  I'm not sure about Big Labor, other than government unions, however being along for the ride.   It doesn't matter though. The moneyed interested are keen on making more and advocating "green" living is the way they think they can do it, all at our expense, of course. --- Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

It breaks my heart that so many adults are convincing children that they're going to die in a climate apocalypse.  It's no wonder why folks such as AOC say they're not going to bring kids into the world because of this scare-mongering.  Yet, scare-mongering is all it is. It's not true.  And the adults if they had any sense of dignity should be ashamed of themselves. Unfortunately, when there is so much money at stake, shame takes a back-seat. It's all about dollars, and how some people can get more and more.  Using kids, and animals, as propaganda is certainly not new behavior to those trying to frighten people.  "What about the children" is the cry that is heard time and again when one engages in a behavior someone else doesn't like. But the climate alarmists seem to have a lock on the technique. And seeing Greta Thunberg at the UN chastise us with her "How Dare You" speech saddened me deeply.  She is being used.  Used as a tool by her parents. By the media. By the left. By wealthy corporate types.  By Arnold Schwarzenegger, Leonard DiCaprio etc. By anyone and everyone who are trying to capitalize on the money that can be found in climate alarmism.  So, when I saw this video by Michelle Stirling, over at the Friends of Science Youtube channel,  <a href="https://www.youtube.com/watch?v=P1xBFIP6ZpI&amp;t=202s" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=P1xBFIP6ZpI&amp;t=202s</a>, it really spoke to me.   "Don't Worry, Be Happy, Greta!" says Michelle.  You're a teenager for Heaven's sake!   I've been following Friends of Science for a bit now and greatly enjoy their content and Michelle's delivery.  If you're of French language she does some of the videos in French too.  Pretty cool.   It was a HUGE pleasure for me to interview her today. I think you'll enjoy this discussion immensely.  You'll get mad too, don't get me wrong. The greens have been taken over by fascists, no two ways around it.  And when I say fascist I mean it in the true sense of the word, Big Government and Big Business colluding.  I'm not sure about Big Labor, other than government unions, however being along for the ride.   It doesn't matter though. The moneyed interested are keen on making more and advocating "green" living is the way they think they can do it, all at our expense, of course. --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Michelle Stirling, From Friends of Science, and I Discuss Climate Alarmism

https://heritagewealthplanning.com/--- Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

<a href="https://heritagewealthplanning.com/" rel="nofollow" target="_blank">https://heritagewealthplanning.com/</a>--- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Reading Your Youtube Comments

https://heritagewealthplanning.com/when-to-do-roth-conversions-part-1/--- Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

<a href="https://heritagewealthplanning.com/when-to-do-roth-conversions-part-1/" rel="nofollow" target="_blank">https://heritagewealthplanning.com/when-to-do-roth-conversions-part-1/</a>--- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

When To Convert To Roth IRA (Part 1)

When Should Charlotte Take Social Security?

https://heritagewealthplanning.com/vanguard-dividend-growth-vs-vanguard-wellington-fund-vs-sp-500/--- Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

<a href="https://heritagewealthplanning.com/vanguard-dividend-growth-vs-vanguard-wellington-fund-vs-sp-500/" rel="nofollow" target="_blank">https://heritagewealthplanning.com/vanguard-dividend-growth-vs-vanguard-wellington-fund-vs-sp-500/</a>--- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

VDIGX vs. VWELX vs. VFINX

Reverse Mortgage Tutorial

https://www.schwab.com/public/schwab/investing/accounts_products/investment/annuities/income_annuity/fixed_income_annuity_calculator--- Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

<a href="https://www.schwab.com/public/schwab/investing/accounts_products/investment/annuities/income_annuity/fixed_income_annuity_calculator" rel="nofollow" target="_blank">https://www.schwab.com/public/schwab/investing/accounts_products/investment/annuities/income_annuity/fixed_income_annuity_calculator</a>--- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Retirement Plan No One Talks About

Get the PDF version of my Tax Bomb book for free follow this link. https://mailchi.mp/7e528cd3cfb3/taxbomb  Get my books on Audible here: https://adbl.co/2MsUkPT--- Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

Get the PDF version of my Tax Bomb book for free follow this link. <a href="https://www.youtube.com/redirect?q=https%3A%2F%2Fmailchi.mp%2F7e528cd3cfb3%2Ftaxbomb&amp;event=video_description&amp;redir_token=3UbEEzZ2_u8gCm1laavSoR6R1pV8MTU3MjM0NTgyOEAxNTcyMjU5NDI4&amp;v=Ltvrppq_YzE" rel="nofollow" target="_blank">https://mailchi.mp/7e528cd3cfb3/taxbomb</a> Get my books on Audible here: <a href="https://www.youtube.com/redirect?q=https%3A%2F%2Fadbl.co%2F2MsUkPT&amp;event=video_description&amp;redir_token=3UbEEzZ2_u8gCm1laavSoR6R1pV8MTU3MjM0NTgyOEAxNTcyMjU5NDI4&amp;v=Ltvrppq_YzE" rel="nofollow" target="_blank">https://adbl.co/2MsUkPT</a>--- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Market Timing and Fear

Helping YOU Understand Personal Finance!Let's take the complexity out of your financial planning, shall we?Ever heard of Keep It Simple, Stupid? KISS? That's what we're going to be doing here on The Josh Scandlen Podcast. Unfortunately, we'll probably tick off a lot of professionals because many of them like making the simple, complex. It helps them while confusing you. Not good. Complexity is the enemy of successful financial planning.So, if simplifying your financial life is what you want, you've come to the right place. SubscribeStar: https://www.subscribestar.com/joshscandlen Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

I subscribe to many finaqnce related podcasts and honestly, this one is the worst (which is why it is n longer on my list). The opening with the &#34;cheering crowd&#34; and boat horn is irritating and if you are listening with earbuds can really be bad. 
The early episodes always opened up with the same sponsors - and it was the same recording. In one ad, he even mentions that he had never used their product.
The later podcasts episodes seem to be better quality thatn the first, which sounded like he was recording in a cave and had a wide variety in volumne. This is something that any audio engineer would have fixed. The last one I listened to seems to be a bit better but still not great, It had  bird chirping in the background. Also, his talk seems to ramble at times. 
If you like this style, fine. But I&#39;ll spend my time with other financial related podcasts where they have invested the money and time to  create a professional sounding podcast.

Pass on this

Thank you for helping me understand our finances Josh! I feel like I’m really at a place where it all makes sense. Appreciate your common sense and practical tips!

Great info!!

Helping YOU Understand Personal Finance! Let's take the complexity out of your financial planning, shall we? Ever heard of Keep It Simple, Stupid? KISS? That's what we're going to be doing here on The Josh Scandlen Podcast. Unfortunately, we'll probably tick off a lot of professionals because many of them like making the simple, complex. It helps them while confusing you. Not good. Complexity is the enemy of successful financial planning. So, if simplifying your financial life is what you want, you've come to the right place. SubscribeStar: <a href="https://www.subscribestar.com/joshscandlen" rel="nofollow" target="_blank">https://www.subscribestar.com/joshscandlen</a> Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

The Josh Scandlen Podcast

Idaho does their taxes the EXACT way I prefer, low property and sales tax and a bit higher on the income side.   Obviously, low for all three is ideal, but the state has got to get its money from somewhere.   Idaho is VERY favorable on property taxes.  Now, if you just look at the state tax rate on sales tax you may be disenchanted. Don't do that!  You've got to look at the tax rate for state AND the localities!  In this case, Idaho is extremely favorable.   Income tax is a bit high.  Not extraordinarily high.  But higher than I'd prefer.  However, income tax can be manipulated with some basic financial planning.  So, Idaho, great french fries and a very favorable tax code as well.   ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

Idaho does their taxes the EXACT way I prefer, low property and sales tax and a bit higher on the income side.  Obviously, low for all three is ideal, but the state has got to get its money from somewhere.  Idaho is VERY favorable on property taxes.  Now, if you just look at the state tax rate on sales tax you may be disenchanted. Don't do that! You've got to look at the tax rate for state AND the localities!  In this case, Idaho is extremely favorable.  Income tax is a bit high.  Not extraordinarily high.  But higher than I'd prefer.  However, income tax can be manipulated with some basic financial planning. So, Idaho, great french fries and a very favorable tax code as well.  --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

How Idaho Taxes Retirees

Vanguard produces some of the best content on financial planning, investment and retirement topics out there.   While their literature is wonderful, I do not recommend Vanguard for personal financial planning though.  This is because Vanguard still is way too focused on simple asset allocation and portfolio advice as opposed to real, full-fledged financial planning.   In fact, I would not recommend any large company for YOUR unique financial planning simply because of the boilerplate nature of these firms planning recommendations.   If you want REAL financial planning you really need to go to a REAL financial planning shop, like that can be found through NAPFA https://www.napfa.org/, XY Planning Network www.xyplanningnetwork.com or Garrett Planning Network, garrettplanningnetwork.com.   In this just published piece, there are three main things I want to focus on that should help you with your own planning.  1.  Vanguard's model, based on 10s of thousands of projections, show a future 50/50 global portfolio providing 4% REAL returns over the next 10-20 years.   (Real returns mean NET of inflation)  Thus if you are banking on traditional returns of the US markets, say 10% a year for stocks, you should rethink that as way optimistic.   In fact, with valuations today being high on both the stock and bond side, it would be safer to assume what Vanguard's models show.  2.  Most people are NOT going to spend significant amount of time in nursing homes! I can't tell you how many people say to me their number one retirement worry is being destitute because of health care costs. It simply is not a reasonable concern.  I am not saying throw caution to the wind, but Vanguard cites a study that only 7% of men and 14% of women stay in nursing homes more than 3 years.   3.  Lastly,  if you are a 65 year old married couple there is a very good chance one of you will live until you're beyond 90 years old.   You do need to plan for longevity, indeed. Which is why Social Security planning is so important, and tax planning as well.  See a few of my videos on these topics below: https://youtu.be/ab-x2Nn_Uhw https://youtu.be/azafbEGUitI  As always visit my website at www.heritagewealthplanning.com/blog for more info, my blog posts and podcasts.   Thanks!   https://advisors.vanguard.com/VGApp/iip/site/advisor/research/article/ArticleTemplate.xhtml?iigbundle=IWE_InvResFrmwrkForDecsnMkgInRetmnt&amp;sub=27675&amp;st=S&amp;EXCMPGN=EX:EM:FAS:010117:ADVISOR:DIGEST:EMAIL:ET:2017   ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

Vanguard produces some of the best content on financial planning, investment and retirement topics out there.  While their literature is wonderful, I do not recommend Vanguard for personal financial planning though.  This is because Vanguard still is way too focused on simple asset allocation and portfolio advice as opposed to real, full-fledged financial planning.  In fact, I would not recommend any large company for YOUR unique financial planning simply because of the boilerplate nature of these firms planning recommendations.  If you want REAL financial planning you really need to go to a REAL financial planning shop, like that can be found through NAPFA <a href="https://www.napfa.org/" rel="nofollow" target="_blank">https://www.napfa.org/</a>, XY Planning Network <a href="http://www.xyplanningnetwork.com" rel="nofollow" target="_blank">www.xyplanningnetwork.com</a> or Garrett Planning Network, <a href="http://garrettplanningnetwork.com" rel="nofollow" target="_blank">garrettplanningnetwork.com</a>.  In this just published piece, there are three main things I want to focus on that should help you with your own planning. 1.  Vanguard's model, based on 10s of thousands of projections, show a future 50/50 global portfolio providing 4% REAL returns over the next 10-20 years.   (Real returns mean NET of inflation)  Thus if you are banking on traditional returns of the US markets, say 10% a year for stocks, you should rethink that as way optimistic.  In fact, with valuations today being high on both the stock and bond side, it would be safer to assume what Vanguard's models show. 2.  Most people are NOT going to spend significant amount of time in nursing homes! I can't tell you how many people say to me their number one retirement worry is being destitute because of health care costs. It simply is not a reasonable concern. I am not saying throw caution to the wind, but Vanguard cites a study that only 7% of men and 14% of women stay in nursing homes more than 3 years.  3.  Lastly,  if you are a 65 year old married couple there is a very good chance one of you will live until you're beyond 90 years old.  You do need to plan for longevity, indeed. Which is why Social Security planning is so important, and tax planning as well. See a few of my videos on these topics below: <a href="https://youtu.be/ab-x2Nn_Uhw" rel="nofollow" target="_blank">https://youtu.be/ab-x2Nn_Uhw</a> <a href="https://youtu.be/azafbEGUitI" rel="nofollow" target="_blank">https://youtu.be/azafbEGUitI</a> As always visit my website at <a href="http://www.heritagewealthplanning.com/blog" rel="nofollow" target="_blank">www.heritagewealthplanning.com/blog</a> for more info, my blog posts and podcasts.  Thanks! <a href="https://advisors.vanguard.com/VGApp/iip/site/advisor/research/article/ArticleTemplate.xhtml?iigbundle=IWE_InvResFrmwrkForDecsnMkgInRetmnt&amp;sub=27675&amp;st=S&amp;EXCMPGN=EX:EM:FAS:010117:ADVISOR:DIGEST:EMAIL:ET:2017" rel="nofollow" target="_blank">https://advisors.vanguard.com/VGApp/iip/site/advisor/research/article/ArticleTemplate.xhtml?iigbundle=IWE_InvResFrmwrkForDecsnMkgInRetmnt&amp;sub=27675&amp;st=S&amp;EXCMPGN=EX:EM:FAS:010117:ADVISOR:DIGEST:EMAIL:ET:2017</a> --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Vanguard's Roadmap To Retirement Security Review

Are CDs at the bank difficult to understand?  No.  Everyone knows how they work.  You drop $100k into the bank. The bank pays you 3% (or whatever) a year interest. In 5 years (or whatever) you come back when the CD matures and collect your $100k.  Pretty cut and dried, no?    Well, bonds work the EXACT SAME WAY.  You loan a company, or government,  $100k, they pay you 3.06% in interest for the entire life of the loan. When the bond matures you go back and collect your $100k...unless the issuer went bankrupt.  Thus, inherently, there is NO growth.  So,  if you need MORE income from your investments than the bond interest pays, you must dip into principal.  And when you do that with bonds you inherently get less interest going forward.   Secondly, unlike a stock, you can't sell FRACTIONAL shares of a bond. You only sell the entirety of the bond.   So, if you NEED access to your principal to meet your income needs a bond isn't going to work, because you simply can't tap into principal unless you sell the whole thing.  ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

Are CDs at the bank difficult to understand?  No.  Everyone knows how they work. You drop $100k into the bank. The bank pays you 3% (or whatever) a year interest. In 5 years (or whatever) you come back when the CD matures and collect your $100k. Pretty cut and dried, no?   Well, bonds work the EXACT SAME WAY.  You loan a company, or government,  $100k, they pay you 3.06% in interest for the entire life of the loan. When the bond matures you go back and collect your $100k...unless the issuer went bankrupt. Thus, inherently, there is NO growth.  So,  if you need MORE income from your investments than the bond interest pays, you must dip into principal.  And when you do that with bonds you inherently get less interest going forward.  Secondly, unlike a stock, you can't sell FRACTIONAL shares of a bond. You only sell the entirety of the bond.   So, if you NEED access to your principal to meet your income needs a bond isn't going to work, because you simply can't tap into principal unless you sell the whole thing. --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

# 124 How Bonds Work - SOOO Simple To Understand

Let’s say you are the breadwinner and your spouse is a stay home mom or dad.    Due to all the contributions to your retirement plan at work your side of the balance sheet is growing significantly more than your spouse’s.  You are concerned about “equalization of estates”. (Equalization of estates is an old estate planning term when there was more concern with estate tax.  The estate tax issue is a non-starter for most nowadays but there is something to be said for both spouses having ownership in something.)  What you should do is plop down $5,500 in January in your Spouse's Roth IRA.  Doesn’t matter if he or she isn’t “working” for an income. Only matters that you are.   Do this every year and you’ll be surprised at how quickly the account can grow.  Have I mentioned that Roth’s grow TAX-FREE too???  ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

Let’s say you are the breadwinner and your spouse is a stay home mom or dad.   Due to all the contributions to your retirement plan at work your side of the balance sheet is growing significantly more than your spouse’s.  You are concerned about “equalization of estates”. (Equalization of estates is an old estate planning term when there was more concern with estate tax.  The estate tax issue is a non-starter for most nowadays but there is something to be said for both spouses having ownership in something.) What you should do is plop down $5,500 in January in your Spouse's Roth IRA.  Doesn’t matter if he or she isn’t “working” for an income. Only matters that you are.  Do this every year and you’ll be surprised at how quickly the account can grow.  Have I mentioned that Roth’s grow TAX-FREE too??? --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Tax Free Wealth for a “Non-Working” Spouse 

You've heard of The Villages in central Florida, no? Of course you have. But what exactly is The Villages? In this episode we answer ALL those questions. From the temperature, to the landscape, to the community, the costs etc... If The Villages is on your horizon as a place to retire, you're going to want to listen to this podcast. You can visit Skip's Youtube page at https://www.youtube.com/user/thistrucksforyou.  Don't forget to subscribe too once you're there!--- Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

You've heard of The Villages in central Florida, no? Of course you have. But what exactly is The Villages? In this episode we answer ALL those questions. From the temperature, to the landscape, to the community, the costs etc... If The Villages is on your horizon as a place to retire, you're going to want to listen to this podcast. You can visit Skip's Youtube page at <a href="https://www.youtube.com/user/thistrucksforyou" rel="nofollow" target="_blank">https://www.youtube.com/user/thistrucksforyou</a>. Don't forget to subscribe too once you're there! --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

# 61 Learn About The Villages With My Skip Smith Interview

In this episode, we dive even further into the BLS and other research on retirement income.   The Pension Rights Center says the average Social Security benefit per beneficiary is $1,360.  While the average asset distribution was $1,542 per household.   They claim less than 30% of retired households have pensions and less than 7% have VA benefits.  And the average earned income in retirement is $25,000.  The BLS provides this table:  Age of Household Median Income Mean Income Households Aged 55-64 $62,802 $89,986 Households Aged 65-74: $47,432 $68,905 Households Aged 75 and Older: $30,635 $45,989  Notice the difference between median and mean.  IT's HUGE!  We want to look at the median when we can as opposed to the mean, i.e., average   In the video, we're going to dissect the income sources AND, as always, the tax consequence of having income from various sources.  Again, using the Tax Foundation handy-dandy calculator, you'll see very quickly that depending on how where your income is from has a drastic affect on the tax you pay.  So, for those who do not want to watch the video, the crib note recommendation: Delay Taking Social Security Until You Are 70!     https://www.newretirement.com/retirement/average-retirement-income-2017/  https://www.bls.gov/opub/btn/volume-5/spending-patterns-of-older-americans.htm  https://taxfoundation.org/2018-tax-reform-calculator/  ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

In this episode, we dive even further into the BLS and other research on retirement income.  The Pension Rights Center says the average Social Security benefit per beneficiary is $1,360.  While the average asset distribution was $1,542 per household.  They claim less than 30% of retired households have pensions and less than 7% have VA benefits.  And the average earned income in retirement is $25,000. The BLS provides this table: Age of Household Median Income Mean Income Households Aged 55-64 $62,802 $89,986 Households Aged 65-74: $47,432 $68,905 Households Aged 75 and Older: $30,635 $45,989 Notice the difference between median and mean.  IT's HUGE!  We want to look at the median when we can as opposed to the mean, i.e., average  In the video, we're going to dissect the income sources AND, as always, the tax consequence of having income from various sources. Again, using the Tax Foundation handy-dandy calculator, you'll see very quickly that depending on how where your income is from has a drastic affect on the tax you pay. So, for those who do not want to watch the video, the crib note recommendation: Delay Taking Social Security Until You Are 70! <a href="https://www.newretirement.com/retirement/average-retirement-income-2017/" rel="nofollow" target="_blank">https://www.newretirement.com/retirement/average-retirement-income-2017/</a> <a href="https://www.bls.gov/opub/btn/volume-5/spending-patterns-of-older-americans.htm" rel="nofollow" target="_blank">https://www.bls.gov/opub/btn/volume-5/spending-patterns-of-older-americans.htm</a> <a href="https://taxfoundation.org/2018-tax-reform-calculator/" rel="nofollow" target="_blank">https://taxfoundation.org/2018-tax-reform-calculator/</a> --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Retirement Spending Projections Are Off By 44.6%

With a Roth there are NO required minimum distributions (RMDs). This means you can allow your Roth to grow for as long as you are breathing without ever having to take any money out.  A traditional IRA, 401k, 403B or TSP all require at age 70½ you begin taking a percentage out of the account in order to pay tax on it.  What if you don’t need the money? Doesn’t matter. The IRS needs it more and they will get it starting when you turn 70 ½.   Let’s say you are 70 years old and have $100,000 in your traditional IRA.  Your RMD will be $3,649.63.  How did I get that? Just take your account balance from the end of the previous year, find your age at the end of this year on the IRS table below and divide that corresponding number into your account balance.  Now, I can hear some saying “Josh, paying tax on $3,649.63 is no big deal. I’m in the 12% bracket so it will only cost me around $400 in taxes.” I agree. The first few years of RMDs are so small you probably won’t even notice the tax hit.  In fact, your account will probably grow more than your required distributions. How about when you get older though?  At 82, say you  still have $100,000 in your account, your RMD will have increased 60% to $5,847.95.  These RMDs begin to add up when it comes to the taxes you pay on your Social Security as well and, unbeknownst to most, your Medicare Part B and D premiums too!   How Medicare Premiums Double...or Worse! Medicare premiums are means-tested which means the higher your income the more your premiums will be. We aren’t talking chump change here either, folks. A single taxpayer with a Modified Adjusted Gross Income (MAGI) of less than $85,000, pays $134 in monthly Medicare Part B premiums and $34 in Part D premiums  But once that taxpayer goes above $107,000 in MAGI, her monthly premiums double from $168 to $335! MAGI = All Income Before Deductions (excluding Roth) The higher the MAGI, the larger the premium. The maximum premium for Medicare is $504.80 per beneficiary, which is an increase of nearly 400% from the lowest premium! Higher RMDs = higher taxable income = much higher Medicare premiums.  ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

With a Roth there are NO required minimum distributions (RMDs). This means you can allow your Roth to grow for as long as you are breathing without ever having to take any money out.  A traditional IRA, 401k, 403B or TSP all require at age 70½ you begin taking a percentage out of the account in order to pay tax on it.  What if you don’t need the money? Doesn’t matter. The IRS needs it more and they will get it starting when you turn 70 ½.   Let’s say you are 70 years old and have $100,000 in your traditional IRA.  Your RMD will be $3,649.63.  How did I get that? Just take your account balance from the end of the previous year, find your age at the end of this year on the IRS table below and divide that corresponding number into your account balance.  Now, I can hear some saying “Josh, paying tax on $3,649.63 is no big deal. I’m in the 12% bracket so it will only cost me around $400 in taxes.” I agree. The first few years of RMDs are so small you probably won’t even notice the tax hit.  In fact, your account will probably grow more than your required distributions. How about when you get older though?  At 82, say you  still have $100,000 in your account, your RMD will have increased 60% to $5,847.95.  These RMDs begin to add up when it comes to the taxes you pay on your Social Security as well and, unbeknownst to most, your Medicare Part B and D premiums too! How Medicare Premiums Double...or Worse! Medicare premiums are means-tested which means the higher your income the more your premiums will be. We aren’t talking chump change here either, folks. A single taxpayer with a Modified Adjusted Gross Income (MAGI) of less than $85,000, pays $134 in monthly Medicare Part B premiums and $34 in Part D premiums  But once that taxpayer goes above $107,000 in MAGI, her monthly premiums double from $168 to $335! MAGI = All Income Before Deductions (excluding Roth) The higher the MAGI, the larger the premium. The maximum premium for Medicare is $504.80 per beneficiary, which is an increase of nearly 400% from the lowest premium! Higher RMDs = higher taxable income = much higher Medicare premiums. --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

The Easy Way to Avoid Doubling, Even Tripling, Your Medicare Premiums 

In my recent research I've come to the conclusion the number one thing retirees can do to secure their retirement is NOT to carry a mortgage.    The data is starting to be overwhelmingly evident in my estimation. I'll share more and more as we go forward.   In this video though I use "Table 1702. Housing tenure and type of area: Annual expenditure means, shares, standard errors, and coefficients of variation, Consumer Expenditure Survey, 2015"  to "prove" how a mortgage hurts charitable giving, increasing one's networth and even one's sense of peace in their financial circumstance.  (BE advised, you can't PROVE one's sense of peace, but given the numbers I share with you here, tell me the folks with a mortgage are not MORE stressed than the one's without a mortgage even though the one's without a mortgage have SIGNFICANTLY LESS income.)  It's actually amazing too that we've been soooo freaking trained to look at retirement planning as what percentage of pre-retirement income do we need, i.e., "Replacement income" when in fact that has nothing to do with anything.   The only thing that matters for retirees is the income they need!  If the income they need is low, because say they have NO MORTGAGE, who cares what their income replacement ratio is!  Everything is contingent on income need. Solve that and you have solved the puzzle that seemingly escapes all the smartest people in the world.  https://www.bls.gov/cex/2015/combined/tenure.pdf ================================ If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the video to others who may be interested in the content. So, give me a thumbs up, please!  Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1  My Amazon Product page:  https://www.amazon.com/shop/heritagewealthplanning Anything you buy there Amazon pays me a commission.  Much appreciated!  If you received value from this video and/or channel, and want to say thanks, feel free to send a donation via Paypal. I'm not too proud to ask! https://bit.ly/2Gq1QsE  Contact me: Josh@heritagewealthplanning.com  GET MY BOOKS:   ALL are FREE to Kindle Unlimited Subscribers!  The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt  Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50  State by State Tax Guide For Retirees: https://amzn.to/2A1TmkH  GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com   PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/  LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910  ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

In my recent research I've come to the conclusion the number one thing retirees can do to secure their retirement is NOT to carry a mortgage.   The data is starting to be overwhelmingly evident in my estimation. I'll share more and more as we go forward.  In this video though I use "Table 1702. Housing tenure and type of area: Annual expenditure means, shares, standard errors, and coefficients of variation, Consumer Expenditure Survey, 2015" to "prove" how a mortgage hurts charitable giving, increasing one's networth and even one's sense of peace in their financial circumstance.  (BE advised, you can't PROVE one's sense of peace, but given the numbers I share with you here, tell me the folks with a mortgage are not MORE stressed than the one's without a mortgage even though the one's without a mortgage have SIGNFICANTLY LESS income.) It's actually amazing too that we've been soooo freaking trained to look at retirement planning as what percentage of pre-retirement income do we need, i.e., "Replacement income" when in fact that has nothing to do with anything.  The only thing that matters for retirees is the income they need!  If the income they need is low, because say they have NO MORTGAGE, who cares what their income replacement ratio is! Everything is contingent on income need. Solve that and you have solved the puzzle that seemingly escapes all the smartest people in the world.  <a href="https://www.bls.gov/cex/2015/combined/tenure.pdf" rel="nofollow" target="_blank">https://www.bls.gov/cex/2015/combined/tenure.pdf</a> ================================ If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the video to others who may be interested in the content. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: <a href="https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1" rel="nofollow" target="_blank">https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1</a> My Amazon Product page:  <a href="https://www.amazon.com/shop/heritagewealthplanning" rel="nofollow" target="_blank">https://www.amazon.com/shop/heritagewealthplanning</a> Anything you buy there Amazon pays me a commission.  Much appreciated! If you received value from this video and/or channel, and want to say thanks, feel free to send a donation via Paypal. I'm not too proud to ask! <a href="https://bit.ly/2Gq1QsE" rel="nofollow" target="_blank">https://bit.ly/2Gq1QsE</a> Contact me: Josh@heritagewealthplanning.com GET MY BOOKS:   ALL are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It <a href="https://amzn.to/2LHwQpt" rel="nofollow" target="_blank">https://amzn.to/2LHwQpt</a> Strategic Money Planning: 8 Easy Ways To Put Your House In Order <a href="https://amzn.to/2wKGi50" rel="nofollow" target="_blank">https://amzn.to/2wKGi50</a> State by State Tax Guide For Retirees: <a href="https://amzn.to/2A1TmkH" rel="nofollow" target="_blank">https://amzn.to/2A1TmkH</a> GET ALL MY LATEST BLOGPOSTS: <a href="https://heritagewealthplanning.com" rel="nofollow" target="_blank">https://heritagewealthplanning.com</a> PODCAST: <a href="https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2" rel="nofollow" target="_blank">https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2</a> <a href="http://heritagewealthplanning.com/category/podcasts/" rel="nofollow" target="_blank">http://heritagewealthplanning.com/category/podcasts/</a> LET'S SOCIALIZE! Facebook: <a href="http://Facebook.com/heritagewealthplanning" rel="nofollow" target="_blank">http://Facebook.com/heritagewealthplanning</a> Linkedin: <a href="https://www.linkedin.com/in/joshscandlen/" rel="nofollow" target="_blank">https://www.linkedin.com/in/joshscandlen/</a> Quora: <a href="https://www.quora.com/profile/Josh-Scandlen" rel="nofollow" target="_blank">https://www.quora.com/profile/Josh-Scandlen</a> Google +: <a href="https://plus.google.com/u/1/108893802372783791910" rel="nofollow" target="_blank">https://plus.google.com/u/1/108893802372783791910</a> --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Paying Off YOUR Mortgage Increases Net Worth, Charity and Peace of Min

https://engaging-data.com/will-money-last-retire-early/#comment-13928--- Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

<a href="https://engaging-data.com/will-money-last-retire-early/#comment-13928" rel="nofollow" target="_blank">https://engaging-data.com/will-money-last-retire-early/#comment-13928</a>--- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

The BEST Retirement Calculator I've Seen (Just incredible!)

As of today, (5/13/2018) ANYONE who joins the US Military will do so under the new retirement plan, the "Blended Retirement System".  As someone who served 3+ years on active duty in the infantry and another 4 in the National Guard, I am fond of the new rules.    After all, the VAST majority of servicemen and women do NOT stay the full 20 years and receive NO benefits at all upon separating from service. (Yes, they get the VA Loan and college benefits but no medical or retirement benefits.)  The new system will reward service personnel for completing their first tour or two without having to commit to remaining the service for another decade and a half or so.   This is good.  Also, as an incentive to keep senior personnel who've served 12 years, think NCO's, they will receive a Continuation Bonus when they sign on for another 4 years.    These NCO's are the backbone of our fighting force and we need for them to continue to serve.  They are irreplaceable.   So, giving them bonuses as an incentive to re-up is good for them, and for our country.   Yeah, there will be a reduced pension for those who stay in for 20 yrs or more. But that COULD be more than made up by 5% match on the TSP.   That's a trade-off I'd take in a heartbeat.   On a secondary topic, I discuss pensioners in their decision to take the Survivor Benefit Plan (SBP) or not.   The SBP is nothing more than a premium payment the retiree makes to allow for his/her surviving spouse to receive 55% of the retiree's benefit at death.   The premium isn't cheap. So, it's imperative the retiree consider ALL options before signing on OR rejecting the offer.   Some folks will opt to not take the SBP and instead buy a life insurance policy.  This MAY work. But if it doesn't you could be leaving your surviving spouse in a world of hurt if you die.    Proceed. With. Caution here folks.  Understand the ins and outs of ALL options.  http://militarypay.defense.gov/BlendedRetirement/ https://www.usaa.com/inet/pages/insurance_life_military_benefits?akredirect=true  ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

As of today, (5/13/2018) ANYONE who joins the US Military will do so under the new retirement plan, the "Blended Retirement System". As someone who served 3+ years on active duty in the infantry and another 4 in the National Guard, I am fond of the new rules.   After all, the VAST majority of servicemen and women do NOT stay the full 20 years and receive NO benefits at all upon separating from service. (Yes, they get the VA Loan and college benefits but no medical or retirement benefits.) The new system will reward service personnel for completing their first tour or two without having to commit to remaining the service for another decade and a half or so.   This is good. Also, as an incentive to keep senior personnel who've served 12 years, think NCO's, they will receive a Continuation Bonus when they sign on for another 4 years.   These NCO's are the backbone of our fighting force and we need for them to continue to serve.  They are irreplaceable.  So, giving them bonuses as an incentive to re-up is good for them, and for our country.  Yeah, there will be a reduced pension for those who stay in for 20 yrs or more. But that COULD be more than made up by 5% match on the TSP.  That's a trade-off I'd take in a heartbeat.  On a secondary topic, I discuss pensioners in their decision to take the Survivor Benefit Plan (SBP) or not.  The SBP is nothing more than a premium payment the retiree makes to allow for his/her surviving spouse to receive 55% of the retiree's benefit at death.  The premium isn't cheap. So, it's imperative the retiree consider ALL options before signing on OR rejecting the offer.  Some folks will opt to not take the SBP and instead buy a life insurance policy.  This MAY work. But if it doesn't you could be leaving your surviving spouse in a world of hurt if you die.   Proceed. With. Caution here folks.  Understand the ins and outs of ALL options. <a href="http://militarypay.defense.gov/BlendedRetirement/" rel="nofollow" target="_blank">http://militarypay.defense.gov/BlendedRetirement/</a> <a href="https://www.usaa.com/inet/pages/insurance_life_military_benefits?akredirect=true" rel="nofollow" target="_blank">https://www.usaa.com/inet/pages/insurance_life_military_benefits?akredirect=true</a> --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Blended Retirement System / Survivor Benefit Plan

There is ample evidence that retirees are not only NOT going to run out of money but they are also NOT spending enough during their retirement.  We can attribute this frugality to many things but hopefully it's based on a reasoned assessment and not some perceived fear that doesn't exist.   Remember, you can't take it with you.  So, if you've got it and don't want to spend it on yourself, you'll be amazed the joy you have in giving it away.    https://www.onefpa.org/journal/Pages/NOV17-Are-Your-Clients-Not-Spending-Enough-in-Retirement.aspx ================================ Get the PDF version of my Tax Bomb book for free follow this link. https://mailchi.mp/7e528cd3cfb3/taxbomb  Get my books on Audible here: https://www.audible.com/pd/B07ND3K5Y5/?source_code=AUDFPWS0223189MWT-BK-ACX0-141746&amp;ref=acx_bty_BK_ACX0_141746_rh_us  https://www.audible.com/pd/B07ND4H9K9/?source_code=AUDFPWS0223189MWT-BK-ACX0-141987&amp;ref=acx_bty_BK_ACX0_141987_rh_us  Was this video worth a buck or two? Donate a cup of coffee here: https://bit.ly/2WmP7O4  Want to support what I'm doing for $10 a month? Join my SubscribeStar page. https://www.subscribestar.com/joshscandlen  Be on the lookout for my 4th book coming out soon, YOU CAN RETIRE ON SOCIAL SECURITY!  If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the video to others who may be interested in the content. So, give me a thumbs up, please!  Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1  My Amazon Product page:  https://www.amazon.com/shop/heritagewealthplanning Anything you buy there Amazon pays me a commission.  Much appreciated!  Contact me: Josh@heritagewealthplanning.com  GET MY BOOKS:   ALL are FREE to Kindle Unlimited Subscribers!  The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt  Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50  State by State Tax Guide For Retirees: https://amzn.to/2A1TmkH  GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com   PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/  LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen  ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

There is ample evidence that retirees are not only NOT going to run out of money but they are also NOT spending enough during their retirement. We can attribute this frugality to many things but hopefully it's based on a reasoned assessment and not some perceived fear that doesn't exist.  Remember, you can't take it with you.  So, if you've got it and don't want to spend it on yourself, you'll be amazed the joy you have in giving it away.   <a href="https://www.onefpa.org/journal/Pages/NOV17-Are-Your-Clients-Not-Spending-Enough-in-Retirement.aspx" rel="nofollow" target="_blank">https://www.onefpa.org/journal/Pages/NOV17-Are-Your-Clients-Not-Spending-Enough-in-Retirement.aspx</a> ================================ Get the PDF version of my Tax Bomb book for free follow this link. <a href="https://mailchi.mp/7e528cd3cfb3/taxbomb" rel="nofollow" target="_blank">https://mailchi.mp/7e528cd3cfb3/taxbomb</a> Get my books on Audible here: <a href="https://www.audible.com/pd/B07ND3K5Y5/?source_code=AUDFPWS0223189MWT-BK-ACX0-141746&amp;ref=acx_bty_BK_ACX0_141746_rh_us" rel="nofollow" target="_blank">https://www.audible.com/pd/B07ND3K5Y5/?source_code=AUDFPWS0223189MWT-BK-ACX0-141746&amp;ref=acx_bty_BK_ACX0_141746_rh_us</a> <a href="https://www.audible.com/pd/B07ND4H9K9/?source_code=AUDFPWS0223189MWT-BK-ACX0-141987&amp;ref=acx_bty_BK_ACX0_141987_rh_us" rel="nofollow" target="_blank">https://www.audible.com/pd/B07ND4H9K9/?source_code=AUDFPWS0223189MWT-BK-ACX0-141987&amp;ref=acx_bty_BK_ACX0_141987_rh_us</a> Was this video worth a buck or two? Donate a cup of coffee here: <a href="https://bit.ly/2WmP7O4" rel="nofollow" target="_blank">https://bit.ly/2WmP7O4</a> Want to support what I'm doing for $10 a month? Join my SubscribeStar page. <a href="https://www.subscribestar.com/joshscandlen" rel="nofollow" target="_blank">https://www.subscribestar.com/joshscandlen</a> Be on the lookout for my 4th book coming out soon, YOU CAN RETIRE ON SOCIAL SECURITY! If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the video to others who may be interested in the content. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: <a href="https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1" rel="nofollow" target="_blank">https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1</a> My Amazon Product page:  <a href="https://www.amazon.com/shop/heritagewealthplanning" rel="nofollow" target="_blank">https://www.amazon.com/shop/heritagewealthplanning</a> Anything you buy there Amazon pays me a commission.  Much appreciated! Contact me: Josh@heritagewealthplanning.com GET MY BOOKS:   ALL are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It <a href="https://amzn.to/2LHwQpt" rel="nofollow" target="_blank">https://amzn.to/2LHwQpt</a> Strategic Money Planning: 8 Easy Ways To Put Your House In Order <a href="https://amzn.to/2wKGi50" rel="nofollow" target="_blank">https://amzn.to/2wKGi50</a> State by State Tax Guide For Retirees: <a href="https://amzn.to/2A1TmkH" rel="nofollow" target="_blank">https://amzn.to/2A1TmkH</a> GET ALL MY LATEST BLOGPOSTS: <a href="https://heritagewealthplanning.com" rel="nofollow" target="_blank">https://heritagewealthplanning.com</a> PODCAST: <a href="https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2" rel="nofollow" target="_blank">https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2</a> <a href="http://heritagewealthplanning.com/category/podcasts/" rel="nofollow" target="_blank">http://heritagewealthplanning.com/category/podcasts/</a> LET'S SOCIALIZE! Facebook: <a href="http://Facebook.com/heritagewealthplanning" rel="nofollow" target="_blank">http://Facebook.com/heritagewealthplanning</a> Linkedin: <a href="https://www.linkedin.com/in/joshscandlen/" rel="nofollow" target="_blank">https://www.linkedin.com/in/joshscandlen/</a> Quora: <a href="https://www.quora.com/profile/Josh-Scandlen" rel="nofollow" target="_blank">https://www.quora.com/profile/Josh-Scandlen</a> --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Retirees: It's OKAY To Spend Money In Retirement!

Maryland is another of these states where you need to look beyond the top line tax rates and actually dive into what your locality can add to your burden.   For instance, Maryland income tax is 5.75%.  Which may or may not be reasonable depending on your perspective.  Yet when you through local taxes into the mix, the overall burden is over 10%!    Sales tax though is an 'all-in" 6% with localities adding NOTHING to that tax.  So, what looks to be an expensive state sales tax is actually rather cheap when you factor what localities can add.   Property taxes are high from an overall dollars paid due to Maryland being a high cost of living state.   But from a pure percentage perspective Maryland is towards the middle in overall property tax rate.   So, all in all, Maryland is not nearly as burdensome as some might believe.  Social Security benefits are not taxed. And there is a SIGNIFICANT tax exclusion from pensions and qualified plan distributions.  $29k per taxpayer is excluded from taxation on those plans.   A HUUUUUGGGGGEEEE caveat though.  IRAs do not get that exclusion!    Crazy as that may seem, it's the tax code in MD.   I simply can not see the reason ANYONE who resides in Maryland should roll their 401k/TSP/403B plan to an IRA given the tax structure in MD.    You're talking nearly $60k extra tax free income by leaving your money in your employer sponsored plan. That's REAL money, my friends.    ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

Maryland is another of these states where you need to look beyond the top line tax rates and actually dive into what your locality can add to your burden.  For instance, Maryland income tax is 5.75%.  Which may or may not be reasonable depending on your perspective.  Yet when you through local taxes into the mix, the overall burden is over 10%!   Sales tax though is an 'all-in" 6% with localities adding NOTHING to that tax.  So, what looks to be an expensive state sales tax is actually rather cheap when you factor what localities can add.  Property taxes are high from an overall dollars paid due to Maryland being a high cost of living state.  But from a pure percentage perspective Maryland is towards the middle in overall property tax rate.  So, all in all, Maryland is not nearly as burdensome as some might believe.  Social Security benefits are not taxed. And there is a SIGNIFICANT tax exclusion from pensions and qualified plan distributions.  $29k per taxpayer is excluded from taxation on those plans.  A HUUUUUGGGGGEEEE caveat though.  IRAs do not get that exclusion!    Crazy as that may seem, it's the tax code in MD.  I simply can not see the reason ANYONE who resides in Maryland should roll their 401k/TSP/403B plan to an IRA given the tax structure in MD.   You're talking nearly $60k extra tax free income by leaving your money in your employer sponsored plan. That's REAL money, my friends.  --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

How Maryland Taxes Retirees

Bob and Jane come into my office to discuss when they should file for Social Security.   Three things I need to know to guide them: 1. What are their PIAs (don't know what PIA is? click here: https://youtu.be/EoMQSwVh0XE)  2. What their Income NEEDS will be.  Now this is SO much more important than simply taking a percentage of current income, like 80%.  This is a rule of thumb that is highly used in the industry but is not specific enough to YOU.  We need to understand truly what your expenses will be!  Everything, and I mean, EVERYTHING is contingent of an accurate accounting of your cash flow needs...in retirement.  What you spend today may have no relationship to what you spend in retirement.  So, there is some guesswork involved but it's important to take the time to truly analyze and predict future expenditures.  3. Value of your liquid net worth.       Liquid net worth includes your investment accounts and bank accounts.  Any type of accounts that can be quickly converted to cash to be used to live on.   Once we identify these three things, we can come up with a pretty thorough idea of when is the best time for Jane and Bob to file for their Social Security benefits.   It will be important to understand the health of both too.  After all, if Bob isn't long for this world,  we probably will have different planning than if he most likely to live until he's 100.  In this video, I use a very simple Google Spreadsheet to analyze the options Jane and Bob have when it comes to optimizing Social Security.   You can easily recreate this for your own analysis as well.  ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

Bob and Jane come into my office to discuss when they should file for Social Security.  Three things I need to know to guide them: 1. What are their PIAs (don't know what PIA is? click here: <a href="https://youtu.be/EoMQSwVh0XE" rel="nofollow" target="_blank">https://youtu.be/EoMQSwVh0XE</a>) 2. What their Income NEEDS will be. Now this is SO much more important than simply taking a percentage of current income, like 80%.  This is a rule of thumb that is highly used in the industry but is not specific enough to YOU.  We need to understand truly what your expenses will be! Everything, and I mean, EVERYTHING is contingent of an accurate accounting of your cash flow needs...in retirement. What you spend today may have no relationship to what you spend in retirement.  So, there is some guesswork involved but it's important to take the time to truly analyze and predict future expenditures. 3. Value of your liquid net worth.       Liquid net worth includes your investment accounts and bank accounts.  Any type of accounts that can be quickly converted to cash to be used to live on.  Once we identify these three things, we can come up with a pretty thorough idea of when is the best time for Jane and Bob to file for their Social Security benefits.  It will be important to understand the health of both too.  After all, if Bob isn't long for this world,  we probably will have different planning than if he most likely to live until he's 100. In this video, I use a very simple Google Spreadsheet to analyze the options Jane and Bob have when it comes to optimizing Social Security.  You can easily recreate this for your own analysis as well. --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

The 3 Step Formula For Your Retirement Readiness

Wow, Virginia is VERY favorable to its retirees, just don't own an expensive car as they charge nearly 5% a year on assessed value for property tax(depending on the county you live).  But lots of great income exemptions on retirement income.  Qualifying couples can exclude up to $24,000 of retirement income, so long as their total AGI doesn't exceed $75k.  Now remember the difference between taxable income and gross income. AGI of $75k means you can't have taxable income more than $48,400 if you're married filing jointly and over the age of 65.   Now, with that said, even if you break that $75k AGI threshold, you still can get an exemption but you will lose the entirety once you hit $87k.  Social Security is tax exempt as well. So, you can have a lot of income essentially tax free.   In fact, I ran a calculation of $50k in Social Security income and $50k in IRA distributions.  Total tax for that $100k gross income?  $770. That's it.   Sales tax is quite favorable too. Virginia falls in the top 10 in terms of the lowest sales tax in the nation.  Food is taxed but only 2.5% or so.  So not too bad  Lastly property tax rate is quite low at .84%. Now, Virginia does have fairly expensive property so the overall dollar amount that goes to Richmond is rather high.  But that primarily is from Northern Virginia where the  property values are sky high.   All in all Virginia is VERY favorable for for retirees in terms of taxation.   ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

Wow, Virginia is VERY favorable to its retirees, just don't own an expensive car as they charge nearly 5% a year on assessed value for property tax(depending on the county you live). But lots of great income exemptions on retirement income.  Qualifying couples can exclude up to $24,000 of retirement income, so long as their total AGI doesn't exceed $75k. Now remember the difference between taxable income and gross income. AGI of $75k means you can't have taxable income more than $48,400 if you're married filing jointly and over the age of 65.  Now, with that said, even if you break that $75k AGI threshold, you still can get an exemption but you will lose the entirety once you hit $87k. Social Security is tax exempt as well. So, you can have a lot of income essentially tax free.  In fact, I ran a calculation of $50k in Social Security income and $50k in IRA distributions.  Total tax for that $100k gross income?  $770. That's it.  Sales tax is quite favorable too. Virginia falls in the top 10 in terms of the lowest sales tax in the nation.  Food is taxed but only 2.5% or so.  So not too bad Lastly property tax rate is quite low at .84%. Now, Virginia does have fairly expensive property so the overall dollar amount that goes to Richmond is rather high.  But that primarily is from Northern Virginia where the  property values are sky high.  All in all Virginia is VERY favorable for for retirees in terms of taxation.  --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

How VIRGINIA Taxes Retirees

The "best" mutual funds are all the rage. Just do a search on Google and there are nearly 15,000 searches a month for the terms "best mutual funds" and "top mutual funds".   Everyone, it seems, wants to invest in the best.  It's such an alluring idea, it even rhymes.  "Invest In The Best".   Type "worst mutual funds" though and you only get 40 searches a month. Interesting, no?  So, what happened when you invested in the Best Performing Mutual Fund Of the Decade?  Not just the year's best, mind you, the entire decade's best fund?  You were down 75% 5 short years later.    Even today, after 2 solid years up, 45% in 2016 and nearly 10% last year a $100k initial investment would only be worth $37k today. And you will never get back to your starting point.   Remember my friends, a 50% drop means you need 100% on the upside just to break even! Not likely to happen very quickly, if at all.  Which is why you need to "cut your losses".  Rule number 1 in investing...ride your winners and cut your losses.   Learn that one rule and you'l be so far ahead of your peers it won't even be funny.   https://finance.yahoo.com/quote/USAGX/performance?p=USAGX https://www.cbsnews.com/news/why-you-should-avoid-the-decades-top-fund/ https://www.fool.com/investing/general/2015/05/20/usagx-is-this-fund-for-you.aspx https://www.businesswire.com/news/home/20100125005170/en/USAA-Precious-Metals-Minerals-Fund-Ranks-Top-Performing  ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

The "best" mutual funds are all the rage. Just do a search on Google and there are nearly 15,000 searches a month for the terms "best mutual funds" and "top mutual funds".  Everyone, it seems, wants to invest in the best.  It's such an alluring idea, it even rhymes.  "Invest In The Best".  Type "worst mutual funds" though and you only get 40 searches a month. Interesting, no? So, what happened when you invested in the Best Performing Mutual Fund Of the Decade?  Not just the year's best, mind you, the entire decade's best fund? You were down 75% 5 short years later.   Even today, after 2 solid years up, 45% in 2016 and nearly 10% last year a $100k initial investment would only be worth $37k today. And you will never get back to your starting point.  Remember my friends, a 50% drop means you need 100% on the upside just to break even! Not likely to happen very quickly, if at all. Which is why you need to "cut your losses".  Rule number 1 in investing...ride your winners and cut your losses.  Learn that one rule and you'l be so far ahead of your peers it won't even be funny.  <a href="https://finance.yahoo.com/quote/USAGX/performance?p=USAGX" rel="nofollow" target="_blank">https://finance.yahoo.com/quote/USAGX/performance?p=USAGX</a> <a href="https://www.cbsnews.com/news/why-you-should-avoid-the-decades-top-fund/" rel="nofollow" target="_blank">https://www.cbsnews.com/news/why-you-should-avoid-the-decades-top-fund/</a> <a href="https://www.fool.com/investing/general/2015/05/20/usagx-is-this-fund-for-you.aspx" rel="nofollow" target="_blank">https://www.fool.com/investing/general/2015/05/20/usagx-is-this-fund-for-you.aspx</a> <a href="https://www.businesswire.com/news/home/20100125005170/en/USAA-Precious-Metals-Minerals-Fund-Ranks-Top-Performing" rel="nofollow" target="_blank">https://www.businesswire.com/news/home/20100125005170/en/USAA-Precious-Metals-Minerals-Fund-Ranks-Top-Performing</a> --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

How You Would Have Lost 75% By Investing In "The Best Mutual Fund"

Devin Carroll

Visit Devin's Youtube channel at https://www.youtube.com/channel/UCy8uDv16fjTy51bz0iS8T-Q--- Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

Visit Devin's Youtube channel at <a href="https://www.youtube.com/channel/UCy8uDv16fjTy51bz0iS8T-Q" rel="nofollow" target="_blank">https://www.youtube.com/channel/UCy8uDv16fjTy51bz0iS8T-Q</a>--- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Devin Carroll Talks Social Security 

This is from not 1, not 2, but 3 count 'em THREE, PhDs!  You aren't going to argue with science are you???   https://www.forbes.com/sites/peterubel/2018/10/03/medical-bankruptcy-its-much-less-common-than-elizabeth-warren-tells-you/#2b84d69c1fb2  https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5865642/  ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

This is from not 1, not 2, but 3 count 'em THREE, PhDs!  You aren't going to argue with science are you??? <a href="https://www.forbes.com/sites/peterubel/2018/10/03/medical-bankruptcy-its-much-less-common-than-elizabeth-warren-tells-you/#2b84d69c1fb2" rel="nofollow" target="_blank">https://www.forbes.com/sites/peterubel/2018/10/03/medical-bankruptcy-its-much-less-common-than-elizabeth-warren-tells-you/#2b84d69c1fb2</a> <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5865642/" rel="nofollow" target="_blank">https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5865642/</a> --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Only 4% of Bankruptcies Caused by Hospitalizations

In this series of videos we're going to tackle what someone can do when they have $1 million in an IRA.   We'll start with Karen and Ken, Married Filing Jointly.  WE'll have them take Social Security at 66, 70 and 62 and look at their taxes due, their income, expenditures and their ending net worth.   Then we'll see what things look like when they start Roth conversions.  Finally,  we'll make Karen a single taxpayer right out the gate and see what that looks like.   So, buckle up, it's gonna be a wild ride!  ================================ Get the PDF version of my Tax Bomb book for free follow this link. https://mailchi.mp/7e528cd3cfb3/taxbomb﻿  Be on the lookout for my 4th book coming out soon, YOU CAN RETIRE ON SOCIAL SECURITY!  If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the video to others who may be interested in the content. So, give me a thumbs up, please!  Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1  My Amazon Product page:  https://www.amazon.com/shop/heritagewealthplanning Anything you buy there Amazon pays me a commission.  Much appreciated!  If you received value from this video and/or channel, and want to say thanks, feel free to send a donation via Paypal. I'm not too proud to ask! https://bit.ly/2Gq1QsE  Contact me: Josh@heritagewealthplanning.com  GET MY BOOKS:   ALL are FREE to Kindle Unlimited Subscribers!  The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt  Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50  State by State Tax Guide For Retirees: https://amzn.to/2A1TmkH  GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com   PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/  LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen  My SubscribeStar Page: https://www.subscribestar.com/joshscandlen  ---   Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

In this series of videos we're going to tackle what someone can do when they have $1 million in an IRA.  We'll start with Karen and Ken, Married Filing Jointly.  WE'll have them take Social Security at 66, 70 and 62 and look at their taxes due, their income, expenditures and their ending net worth.  Then we'll see what things look like when they start Roth conversions. Finally,  we'll make Karen a single taxpayer right out the gate and see what that looks like.  So, buckle up, it's gonna be a wild ride! ================================ Get the PDF version of my Tax Bomb book for free follow this link. <a href="https://mailchi.mp/7e528cd3cfb3/taxbomb﻿" rel="nofollow" target="_blank">https://mailchi.mp/7e528cd3cfb3/taxbomb﻿</a> Be on the lookout for my 4th book coming out soon, YOU CAN RETIRE ON SOCIAL SECURITY! If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the video to others who may be interested in the content. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: <a href="https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1" rel="nofollow" target="_blank">https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1</a> My Amazon Product page:  <a href="https://www.amazon.com/shop/heritagewealthplanning" rel="nofollow" target="_blank">https://www.amazon.com/shop/heritagewealthplanning</a> Anything you buy there Amazon pays me a commission.  Much appreciated! If you received value from this video and/or channel, and want to say thanks, feel free to send a donation via Paypal. I'm not too proud to ask! <a href="https://bit.ly/2Gq1QsE" rel="nofollow" target="_blank">https://bit.ly/2Gq1QsE</a> Contact me: Josh@heritagewealthplanning.com GET MY BOOKS:   ALL are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It <a href="https://amzn.to/2LHwQpt" rel="nofollow" target="_blank">https://amzn.to/2LHwQpt</a> Strategic Money Planning: 8 Easy Ways To Put Your House In Order <a href="https://amzn.to/2wKGi50" rel="nofollow" target="_blank">https://amzn.to/2wKGi50</a> State by State Tax Guide For Retirees: <a href="https://amzn.to/2A1TmkH" rel="nofollow" target="_blank">https://amzn.to/2A1TmkH</a> GET ALL MY LATEST BLOGPOSTS: <a href="https://heritagewealthplanning.com" rel="nofollow" target="_blank">https://heritagewealthplanning.com</a> PODCAST: <a href="https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2" rel="nofollow" target="_blank">https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2</a> <a href="http://heritagewealthplanning.com/category/podcasts/" rel="nofollow" target="_blank">http://heritagewealthplanning.com/category/podcasts/</a> LET'S SOCIALIZE! Facebook: <a href="http://Facebook.com/heritagewealthplanning" rel="nofollow" target="_blank">http://Facebook.com/heritagewealthplanning</a> Linkedin: <a href="https://www.linkedin.com/in/joshscandlen/" rel="nofollow" target="_blank">https://www.linkedin.com/in/joshscandlen/</a> Quora: <a href="https://www.quora.com/profile/Josh-Scandlen" rel="nofollow" target="_blank">https://www.quora.com/profile/Josh-Scandlen</a> My SubscribeStar Page: <a href="https://www.subscribestar.com/joshscandlen" rel="nofollow" target="_blank">https://www.subscribestar.com/joshscandlen</a> --- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

Karen Has A $1Million IRA - Now What? (Social Security at 66, 70)

https://heritagewealthplanning.com/blog/--- Support this podcast: https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support

<a href="https://heritagewealthplanning.com/blog/" rel="nofollow" target="_blank">https://heritagewealthplanning.com/blog/</a>--- Support this podcast: <a href="https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support" rel="payment nofollow" target="_blank">https://podcasters.spotify.com/pod/show/josh-scandlen-podcast/support</a>

9.6% Annuity Return? Let's Take a Look...and more

The best podcast episodes on Startups. For anyone working in a startup, or anyone interested in the incredible stories behind how people built companies like Instagram, and Facebook. Offering both practical advice and insights, as well as the stories for how many of the biggest startups got to where they are today. Add episodes you're interested into your queue below!

OwlTail

Best Startups Podcasts

The best podcast episodes on romantic relationships. Episodes talk about the 5 love languages, intimacy, and the taboo topics of sexual desires and infidelity. This topic is a deep dive into the science and complexities that face us in our relationships with others. Add episodes you're interested into your queue below!