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Given a renewed focus on the fragility of our health and the surge in job leavers and changers currently, this would seem to be an especially important Open Enrollment benefit season.
How to Prioritize My Savings
When there's multiple financial aspirations on the table, one has to figure out how to prioritize the various goals and objectives.
Have a money question? Email us, ask jill [at] jill on money dot com.
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"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.
Should I Use the Roth 401(k) Option?
After 20 years of tax-deferred savings, your workplace retirement plan recently started offering a Roth 401(k) option, does that mean you should start using it?
Have a money question? Email us, ask jill [at] jill on money dot com.
Please leave us a rating or review in Apple Podcasts.
"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.
Small Business Bootcamp
I am often asked about the best retirement plan options for entrepreneurs and sole proprietors.
There's a lot of choices out there, and it's not always so easy to determine which plan makes the most sense, that's why on this episode we're glad to welcome back Michael Goodman for a little small business bootcamp!
As the president of Wealthstream Advisors in New York City, Michael knows firsthand what it's like to run a small business.
We'll touch on a variety of topics, including which retirement plan is the best choice for your situation.
Among the options discussed:
Individual Retirement Account (IRA): You can choose a traditional IRA, where you pay taxes in the future or a Roth, where you pay taxes today.
Simplified Employee Pension (SEP-IRA): This is a good option for those who have up to 25 employees and want to offer a retirement benefit that is easy to operate.
Savings Incentive Match Plan for Employees (SIMPLE IRA Plan): SIMPLE plans were aimed at slightly larger small business owners (usually up to 100 employees), who wanted to provide employees a way to save for retirement.
Solo 401(k) plan: Alternatively referred to as an “individual 401(k)” or “uni-401(k),” this plan is geared to small business owners who have no employees (other than a spouse) and have the capacity to sock away a lot of dough.
This special episode is part of the Small Business Podference presented by Dell Technologies.
To find more participating podcasts, search for Dell Technologies Small Business Podference on the Audacy App, Spotify or Apple podcasts at the end of this episode.
Have a money question? Email me here.
Please leave us a rating or review in Apple Podcasts.
"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.
What to Do With Old 401(k)?
When you bounce around from job to job, chances are you've got some old retirement plans floating around out there. Should you consolidate? It depends.
Have a money question? Email me here.
Please leave us a rating or review in Apple Podcasts.
"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.
CBS Sunday Morning: Should You Tap Your 401(k)
The COVID-19 pandemic has created tremendous economic uncertainty. In this video I talk with Michael Goodman, president of the investment management firm Wealthstream Advisors, about how people should strategize when considering dipping into their retirement savings.
Should I Use My Roth 401(k)?
If your workplace retirement plan offers a Roth 401(k) option, should you be using it instead of the standard pre-tax option? That’s what Steve from Massachusetts was wondering, and that’s how we kick off the latest show.
Staying on the east coast, next up was Brendan from the D.C. area who just paid off his mortgage. With an extra $2800 in cashflow each month, what should he be doing with it?
Best-selling author Chris Guillebeau is back on the show to talk about his most recent book, 100 Side Hustles: Unexpected Ideas for Making Extra Money Without Quitting Your Day Job.
In his latest book, Guillebeau features 100 stories of regular people launching successful side businesses that almost anyone can do.
This unique guide features the startup stories of regular people launching side businesses that almost anyone can do: an urban tour guide, an artist inspired by maps, a travel site founder, an ice pop maker, a confetti photographer, a group of friends who sell hammocks to support local economies, and many more.
Distilled from Guillebeau's popular Side Hustle School podcast, these case studies feature teachers, artists, coders, and even entire families who've found ways to create new sources of income.
With insights, takeaways, and photography that reveals the human element behind the hustles, this playbook covers every important step of launching a side hustle, from identifying underserved markets to crafting unique products and services that spring from your passions.
You may soon find yourself joining the ranks of these innovative entrepreneurs, making money on the side while living your best life.
Have a money question? Email me here.
Please leave us a rating or review in Apple Podcasts.
"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.
Will the Secure Act Rescue Retirement?
Congress delivered retirement savers a last minute gift: the Setting Every Community Up for Retirement Enhancement (SECURE) Act, which after passing the House in May, was neatly tucked inside a federal government spending bill that the President will sign just before the holiday break. The changes were the biggest in more than a decade.
What to Do With Old Retirement Plan?
As you’re getting all the ingredients you need for that Thanksgiving feast, we’re going to distract you for a little bit as we kick off yet another show with Molly from the Bay Area who’s wondering what she should do with an old 401(k) from a previous employer. Should she roll it into her new plan or is there a better alternative?
Next up was Kristen from Portland who’s wondering if she should ditch her condo, which is already paid off, and buy a house?
Our guest in hour two, Belinda Luscombe, would rather have had her eyes put out than read a book about marriage; they all seemed full of advice that was obvious, useless, or bad. Plus they were boring.
But after covering the relationship beat for Time magazine for ten years, she realized there was a surprisingly upbeat and little-known story to tell about the benefits of staying together for the long haul. Hence her recently released book, Marriageology: The Art and Science of Staying Together.
Casting a witty, candid, and probing eye on the latest behavioral science, Luscombe has written a fresh and persuasive report on the state of our unions, how they’ve changed from those of our parents’ era, and what those changes mean for the happiness of this most intimate and important of our relationships.
In Marriageology Luscombe examines the six major fault lines that can fracture contemporary marriages, also known as the F-words: familiarity, fighting, finances, family, fooling around, and finding help.
She presents facts, debunks myths, and provides a fascinating mix of research, anecdotes, and wisdom from a wide range of approaches, from how properly dividing up chores can result in a better sex life to the benefits of fighting with your spouse to whether or not to tell your partner that you lost $70,000. (The last one is from firsthand experience.)
Marriageology offers simple, actionable, maybe even borderline fun techniques and tips to try, whether the relationship in question is about to conk out or just needs a little grease and an oil change. The best news of all is that sticking together is easier than it looks.
Have a money question? Email me here.
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"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.
