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David Hays

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The Post PodcastThe Post PodcastPost Podcast: Hays police, local agencies train for active shooter responseHays Post reporter Tony Guerrero chats with Detective David Gillian   Full Article Here 2025-07-1608 minLife Beside ChristLife Beside ChristWalking Through Anger with Jesus | Ft. Adam Fox & David HaysSend us a textWhen anger consumes us and we find ourselves screaming into the night over things we can't control, where do we turn? In this deeply personal conversation, we explore what it truly means to surrender our burdens to Jesus as promised in Matthew 11:28-30.Levi shares his struggle with overwhelming frustration and the cycle of self-recrimination that follows—how we often withdraw rather than reach out, convinced our problems shouldn't burden others. This honest admission launches us into an exploration of why surrender remains one of the most challenging spiritual disciplines, especially fo...2025-05-181h 04Your Money with David HaysYour Money with David HaysYour Money with David Hays 05/01/2025The start of a new month means a new "Question and Answer Show" - and David Hays and Jim Inman have a variety to share with you this week. This week the topics include:​Disability insuranceTaking distributions during volatile marketsBusiness transitionsInheriting an IRA from a parentLeftover funds from a 529 planUsing a SEP IRA for a Qualified Charitable Distribution (QCD)Understanding 60-day rollovers for IRAsDo you have a question for a future episode? Reach out to David - https://www.cfci.us/your-money2025-05-0244 minYour Money with David HaysYour Money with David HaysYour Money with David Hays 04/10/2025This week on the show, author and podcast host David McKnight returns to talk about his Power of Zero Philosophy - a strategy built on the belief that tax rates are likely going up. If your savings are in IRAs or 401(k)s, future taxes could take a bigger bite than you think. David Hays will also share insights from a recent meeting with Rep. Erin Houchin, touching on tax proposals, Social Security reform (or lack thereof), and why “Rothification” is gaining traction. McKnight and Hays will also discuss the “Guru Gap” - w...2025-04-1141 minYour Money with David HaysYour Money with David HaysYour Money with David Hays 03/20/2025It's an encore presentation of last week's show with Tom Hegna, because of Spring Break!David Hays welcomes author, economist and retirement guru Tom Hegna to the show this week. David and Tom will discuss a retiree's biggest worries - running out of money - and finding possible options to minimize the risk.David and Tom will also discuss taxes - looking for investment accounts that can offer long-term tax benefits to individuals and families.They will also talk about the national debt (currently at...2025-03-2142 minYour Money with David HaysYour Money with David HaysYour Money with David Hays 09/26/2024Your Money with David Hays2024-09-2743 minYour Money with David HaysYour Money with David HaysYour Money With David HaysYour Money With David Hays2024-09-2045 minYour Money with David HaysYour Money with David HaysYour Money with David Hays 09/19/2024Your Money with David Hays2024-09-2045 minYour Money with David HaysYour Money with David HaysYour Money With David HaysYour Money With David Hays2024-09-1343 minYour Money with David HaysYour Money with David HaysYour Money with David Hays 09/12/2024Your Money with David Hays2024-09-1342 minYour Money with David HaysYour Money with David HaysYour Money With David HaysYour Money With David Hays2024-09-0644 minYour Money with David HaysYour Money with David HaysYour Money with David Hays 09/05/2024Your Money with David Hays2024-09-0644 minYour Money with David HaysYour Money with David HaysYour Money With David HaysYour Money With David Hays2024-08-3042 minYour Money with David HaysYour Money with David HaysYour Money with David Hays 08/29/2024Your Money with David Hays2024-08-3042 minYour Money with David HaysYour Money with David HaysYour Money With David HaysYour Money With David Hays2024-08-2343 minYour Money with David HaysYour Money with David HaysYour Money with David Hays 08/22/2024Your Money with David Hays2024-08-2343 minYour Money with David HaysYour Money with David HaysYour Money With David HaysYour Money With David Hays2024-08-2044 minLife Beside ChristLife Beside ChristSteak Faux Pas, Life Alerts, and Wrestling with Faith | Ft. David HaysSend us a textEver found yourself applying ketchup to a steak and stopped to wonder about the culinary sins you might be committing? Join us as we chew over life's big questions with a generous side of humor and a helping of faith. This episode is a rollercoaster ride through the trials of camping mishaps and the tribulations of using Life Alert as a punchline after a fall. It's the sort of heartfelt banter you can expect when David Hays, drops by again to share more of his wisdom and wit as we dig into everything...2024-05-131h 052025 The Final Drive Podcast2025 The Final Drive PodcastWhat’s in Store for 2024?A silver tsunami is coming this year, as more than four million Baby Boomers turn 65 in 2024.   In the episode, David shares about some of the top IRA rulings for 2023, the importance of emergency savings, federal estate taxes, what listeners can expect this year as part of the SECURE Act… and the possible benefits of moving to Florida. Grab a slice of pie (there’s a reason for that teaser) and enjoy! https://www.cfci.us/2025-the-final-drive2024-01-0920 minThe No Dishes PodcastThe No Dishes PodcastDavid Hays & Steve Birch - Porthole Inn | S5 E10Out at beautiful Lake Lemon sits the Legendary Porthole Inn, featuring amazing fried catfish and live music. Steve "Flat Steve" Birch (Furniture Exchange/Distinstive Home Furnishings) and David Hays (Comprehensive Financial Consultants/Your Money with David Hays) are part of it's new ownership group and join us to share about all improvements they've made to the place in the past year. Delicious pizza, treasure hunts, and blues jams. It's all goin down at the Porthole Inn! Join The Clean Plate Club on Facebook and discuss the latest episodes of the podcast with other fans: https://www.facebook...2023-12-261h 162025 The Final Drive Podcast2025 The Final Drive PodcastControl Your Tax DestinyWith 2023 ending in just a few weeks, David has a few things to consider regarding taxes. Mutual fund gain distributions, tax penalties, lost harvesting, wash sale rules and phantom gains are all touched on in the podcast. Take the time to listen and take necessary action before the end of 2023! https://www.cfci.us/2025-the-final-drive2023-12-0414 min2025 The Final Drive Podcast2025 The Final Drive PodcastConversion ConsiderationWith the end of 2023 just weeks away, many people are looking to pay the taxes on a Roth IRA conversion… but what is the best way to do so?  This week David will offer some different ideas, including paying out-of-pocket or taking a 401k loan. Listen in to hear some options on minimizing the pain of paying those taxes now… and remember the pain later could be a lot worse. https://www.cfci.us/2025-the-final-drive2023-11-1413 minTWO OLD BUCKSTWO OLD BUCKS159: Interview with Pat Hays, author of Silicon Planet: My Life in Computer ChipsSend us a textPat Hays discusses his book, Silicon Planet:My Life in Computer Chips.  It is available at Amazon and many other bookseller outlets.  Pat talks about his career and the phenomenal growth of the chip industry. The last chapter of the book covers his analysis of the Boeing 737 Max issue. Will AI [artificial intelligence] be able to design chips? Maybe, according to fellow chip wizard Bill Dally of NVIDIA.  Did you know the Apple M1 chip has 57 billion, that's with a B, transistors? Ask Pat.  How is chip manufacturing like an episode of I Lo...2023-11-0342 minThe Power Of Zero ShowThe Power Of Zero ShowWhy Cash Value Life Insurance is EXPLODING in Popularity (Despite What Critics Say)Today’s episode features some of the highlights of David’s appearance on the Your Money with David Hays podcast. David touches upon what he would focus on and how long he believes he would last if he were president of the U.S.. David’s next book will probably have the title Guru. For a while, David Hays has half-jokingly said that he would accept the responsibility of mayor. David introduces two perspectives into the picture: the point of view of financial gurus like Dave Ramsey and Suze Orman, and that o...2023-10-1810 min2025 The Final Drive Podcast2025 The Final Drive PodcastTo Depreciate or Not Depreciate – that is the question!Depreciation may sound like a bad thing to some people, but it can be a benefit when it comes to finances.  On this episode, David Hays welcomes Martin James, CPA, back to discuss various aspects of depreciation on property, the differences in active versus passive real estate investing, land leases and the potential tax benefits of loans. https://www.cfci.us/2025-the-final-drive2023-10-0922 min2025 The Final Drive Podcast2025 The Final Drive PodcastDebt Elimination Before RetirementDescription – Debt is a part of life for many people, and it’s always important to manage your debt appropriately.  On this episode, David and Marty James, CPA, discuss the benefits of having cash available versus using credit, as well as the importance of having a steady income stream in retirement.  David and Marty also share about the potential benefits of doing a Roth IRA conversion in preparing for retirement. https://www.cfci.us/2025-the-final-drive  2023-09-2516 minBuilding futures: Career conversationsBuilding futures: Career conversationsEpisode 15 - David PierpointIn this episode, Gaelle Blake interviews David Pierpoint, CEO of The Retrofit Academy. David shares his insights on the future of retrofit and energy efficiency, as well as how he got to where he is now. 2023-09-2032 minNon-Profit Digital SuccessNon-Profit Digital Success072 - $9 Million in Fundraising: Cody Hays' Content StrategyDiscover how Cody Hays revolutionized non-profit fundraising, raising over $9 million through innovative online marketing campaigns. Learn the secrets behind his content strategy, branding insights, and streamlined processes that have empowered over 30 organizations. Maximize your non-profit's potential – tune in now! Highlights: Advice for Non-Profit Leaders Social Media Strategy Generations and Audiences Plain vs. Visual Emails Analytics Episode's Site: wowdigital.com/0722023-09-1422 min2025 The Final Drive Podcast2025 The Final Drive PodcastClean Vehicle CreditsMarty James, CPA, is back on the podcast to share about potential incentives Americans can take when purchasing a “clean vehicle,” aka an electric car or truck.  Did you know that if you are making a purchase of a clean vehicle, your MAGI – Modified Adjusted Gross Income – could impact the incentive credit?  Marty and David will have the details on the incentives… https://www.cfci.us/2025-the-final-drive2023-09-1114 minFresh Start with Dr. DavidFresh Start with Dr. DavidFresh Start with Dr. David - Season 2 - Episode 29 - Men’s Health, Diet & Nutrition, Fitness, Wellness, and Longevity with ER Physician and Health Expert Dr Parker Hays of Lasting Impact WellnessFresh Start with Dr. David - Season 2 - Episode 29 - Men's Health, Diet & Nutrition, Fitness, Wellness, and Longevity with ER Physician and Health Expert Dr Parker Hays of Lasting Impact Wellness   This Podcast Episode is all about Men's Health, Longevity, Diet & Nutrition, and Wellness from acclaimed ER Physician, Men's Health Advocate, and Co-Founder of Lasting Impact Wellness Group and the Podcast "Lasting Impact Wellness", Dr. Parker Hays, who practices in Charlotte, North Carolina.   Dr. Parker Hays, an acclaimed emergency physician, shares his vast experience as an ER physician and his unique pe...2023-09-0757 minFresh Start with Dr. DavidFresh Start with Dr. DavidFresh Start with Dr. David - Season 2 - Episode 29 - Men’s Health, Diet & Nutrition, Fitness, Wellness, and Longevity with ER Physician and Health Expert Dr Parker Hays of Lasting Impact WellnessFresh Start with Dr. David - Season 2 - Episode 29 - Men's Health, Diet & Nutrition, Fitness, Wellness, and Longevity with ER Physician and Health Expert Dr Parker Hays of Lasting Impact Wellness   This Podcast Episode is all about Men's Health, Longevity, Diet & Nutrition, and Wellness from acclaimed ER Physician, Men's Health Advocate, and Co-Founder of Lasting Impact Wellness Group and the Podcast "Lasting Impact Wellness", Dr. Parker Hays, who practices in Charlotte, North Carolina.   Dr. Parker Hays, an acclaimed emergency physician, shares his vast experience as an ER physician and his unique pe...2023-09-0757 min2025 The Final Drive Podcast2025 The Final Drive PodcastHealth Insurance Before MedicareFor Americans planning to retire before becoming eligible for Medicare, there can be challenges in finding affordable health care. In this episode, David welcomes Martin “Marty” James, CPA, to the podcast to discuss potential ways to minimize the impact of higher-cost insurance. https://www.cfci.us/2025-the-final-drive2023-08-2814 minLife Beside ChristLife Beside ChristToo Many Hays? Ft. David HaysSend us a textWe welcome our first ever guest, David Hays, as he joins us on this episode raising the Hays tally to three. David shares some of his life's stories about his youth and his path to Christ. He also weighs in on some of the previous discussions and group debates, as well as helping answer some weighty biblical questions. We love hearing from our listeners whether it's criticism, advice, or just thoughts on the conversation we had. Find us or reach out to us here:Email: lifebesidechristpod@gmail.comInstagram: @lifebesidechristpodcastIntro/Outro M...2023-08-111h 102025 The Final Drive Podcast2025 The Final Drive PodcastIs the IRS spying on your retirement accounts or just licking their lips? I bet you, it could be both!Join David as he discusses how the IRS is affecting your retirement accounts. They are hungry and guess who is going to feed them....your money. David explains why moving your IRA into a Roth account will prevent your children from being taxed considerably when they inherit your IRA; thus preventing the IRA from feeding on your children through taxes. Coming up in our next episodes we will have Martin James back!   https://www.cfci.us/2025-the-final-drive2023-08-0114 minBuilding futures: Career conversationsBuilding futures: Career conversationsEpisode 8 - David StevensIn this episode, Gaelle Blake speaks to David Stevens, Chair of the CIBSE LGBTQI+ Panel, and member of the EDI committee about the importance of networking to further your career, the importance of employee networks and being your authentic self at work - plus more! David also talks about his role as Chair of the CIBSE LGBTQI+ Panel. 2023-06-0533 min2025 The Final Drive Podcast2025 The Final Drive PodcastTax Movement in 2023There are 3 years left until the end of the 2017 tax cuts. Let's focus on what we can do this year of 2023. As the advisor, I have an action plan for you regarding your retirement and estate planning opportunities.  Timing is everything. How can you take advantage of up to a $5,000 catch up?  Inflation adjustments and more explained in this episode. https://www.cfci.us/2025-the-final-drive2023-05-2216 minMorning by Morning Daily Prayer Journey with Tommy Hays of Messiah MinistriesMorning by Morning Daily Prayer Journey with Tommy Hays of Messiah MinistriesMighty Men of David -- Mighty Warriors in the Army of the Lord, the Son of David - May 8, 2023Send us a textMy friend, may you be empowered and equipped, filled with with courage to follow Jesus at the head of His army in every battle you face as more than a conqueror in Him, in Jesus' name. God bless you!Tommy Hays | Messiah MinistriesMailing Address:412 S. Adams Street #148Fredericksburg, Texas 78624Please share this word to encourage a friend!Anyone can sign up for free at:https://messiah-ministries.org--- Send in a voice mes...2023-05-0804 min2025 The Final Drive Podcast2025 The Final Drive PodcastTax Free Bonds - Free?David is back in the studio! After taking a step back he is ready to discuss again, the importance of planning for 2025. We begin this episode with Tax Free Bonds.  Are tax free bonds really tax free? Who should even consider tax free bonds, and how do coupons work when purchasing a bond? Find answers to these important questions and more in this episode.  https://www.cfci.us/2025-the-final-drive2023-04-1716 minThe Wedding Chaplain PodcastThe Wedding Chaplain PodcastEpisode 31- An Interview with Rev. Dr. David Anderson on The Monarch For Love PodcastNo guest today. Well, I am the guest. Specifically, I was a guest on another podcast called Monarch for Love hosted by Michelle Hays. She is a relationship coach who believes that love is the most important aspect of our lives and our greatest gift. Her podcast is simply about love. Love is a decision we must make every day. Love is meant to be cultivated yet it is too often dismissed and ultimately destroyed because we lack the skills and knowledge to nourish it. Her podcast invites us to learn how to create loving, lasting relationships and open o...2023-02-1449 min2025 The Final Drive Podcast2025 The Final Drive PodcastSocial Security - Surviving TaxesWhat’s the answer to the looming Social Security trust fund being exhausted? In Short, more taxes!  Join David to discuss how to avoid being part of the solution and what are they likely to do, or could do, to fix Social Security.  https://www.cfci.us/2025-the-final-drive2023-02-1317 min2025 The Final Drive Podcast2025 The Final Drive PodcastSecure Act 2.0 - Qualified Longevity Annuities This episode David discusses more about the Secure Act 2.0. Specifically, he will be talking about Qualified Longevity Annuities and what changes in the Secure Act make this, rarely used tool, more attractive. What is a Qualified Longevity Annuity (QLAC), and why would now be a good time to consider one? https://www.cfci.us/2025-the-final-drive 2023-01-3011 min2025 The Final Drive Podcast2025 The Final Drive PodcastFront Load Your 401K ContributionsIf you are still working and want a clever way to pay the tax on your Roth conversions in a less painful way, join me today in our new episode. With S&P down around 18%, is this the best time for that Roth conversion for 2023 now, or should you wait?   All the things you should be doing now, to make your retirement in the future brighter. https://www.cfci.us/2025-the-final-drive2023-01-1613 min2025 The Final Drive Podcast2025 The Final Drive Podcast2.0 Secure Act: New Retirement Account RulesCongress just passed the new 2.0 Secure Act!   What does this mean for 2025?   How will this affect our retirement account rules?   Have you considered the change this could bring to your children's 529 Plan?   Why are required minimum distributions starting at 75 when we need the money now?   Is this increasing again in 2033?   The peak of the baby boom occurred around 1962, which brings them to 70-75 in the next couple years.   What can you expect?   As long as insurance companies, other countries, etc. are willing to buy our debt we can expect these kinds of changes in our future.    Join me in this episode to...2023-01-0919 min2025 The Final Drive Podcast2025 The Final Drive PodcastLife Insurance - A Better InvestmentIs Life Insurance a better Investment than an IRA? What a great topic starting off the New Year! While life insurance is a protected class in the Internal Code, it is also tax free. How does this happen? The advantages of a life insurance policy include a death benefit for your children - leaving a legacy, cash value grows, borrowing against a life insurance policy, and it grows tax free. When looking at your IRA you are limited on your options, including the conversions you need to make into your Roth.2023-01-0214 min2025 The Final Drive Podcast2025 The Final Drive PodcastSelling A Business & Real EstateLet's look at Installment Sales: How do you structure them? What makes sense? What’s good for the buyer might not be good for the seller. This episode discusses 2 things: Selling A Business and Selling Real Estate. We want to minimize that awful tax bite. Did you know what's taxable to the seller may not be favorable for deprecation for the buyer? We've discussed tax deferred exchanges in a previous podcast, but what about a contract sale or an installment sale?  Where is the c...2022-12-2616 min2025 The Final Drive Podcast2025 The Final Drive PodcastEstate Planning and YouAre you wondering what to do with your Estate Planning before 2025?    What are the benefits of an Estate? Life Insurance? IRAs? Business?   The simple answer:   Everything!   In this episode I get into the ins and outs of your Estate Planning and how to navigate the upcoming changes. https://www.cfci.us/2025-the-final-drive 2022-12-1912 min2025 The Final Drive Podcast2025 The Final Drive PodcastEnd of Year RMDs, QCDs, & Holiday Gift Giving IdeasAct Now!   The ability to take your Required Minimum Distributions (RMDs) and Qualified Charitable Distributions (QCDs) end on Dec 31st!   In this episode I lay out 5 easy steps on how to calculate your RMD total and how to navigate your QCDs. Remember QCDs can be made from an inactive SEP, Simple IRA, or Roth account.   As the Holidays are upon us, I enjoy discussing Gift Giving Ideas for the whole family.   In the episode I will discuss 5 easy ways you can use IRAs to help children.   https://www.cfci.us/2025-the-final-drive2022-12-1218 min2025 The Final Drive Podcast2025 The Final Drive PodcastNet Unrealized Appreciation (NUA) and YouWhat is a Net Unrealized Appreciation (NUA)? How does this affect your portfolio? Just this week, I had a guy come into the office with an NUA from his previous employer. Listen in to learn what we did with it. We discuss calculating NUA in 5 easy steps and when you should consider even using an NUA.                                                          More 5 easy steps to come and I give you a teaser on To Convert or Not Convert, that is the question! https://www.cfci.us/2025-the-final-drive2022-11-2112 min2025 The Final Drive Podcast2025 The Final Drive Podcast5 Steps in Determining Your Roth IRA DistributionsAs we stated in last week's episode - taxes are going up.   I am already getting mutual Fund estimates and get this - one of them is facing a downward spiral of 29.1%!    How can we get ahead of these small caps changing?   Don't let a good loss go to waste.   It gets better though, if you are over 50 years of age you can begin saving more money!   What are the ordering rules and are you withdrawing earnings?    Listen in this week to learn more about the 5 easy steps of determining tax on Roth IRA Distributions.    https://www.cfci.us/2025-the-final-drive2022-11-1415 min2025 The Final Drive Podcast2025 The Final Drive PodcastWash Sell & Phantom Gains Here we are in Quarter 4 of the year and guess what...?   Everything is down, Stocks are down Bonds are Down, nearly everything is down.    How does this play into the wash sale rule?   If you're looking to sell a security at a loss and buy the same, how will this affect your portfolio?   Working with bonds can be the same.   This something I have never really talked about in my nearly 29 years in practice.    You can sell one Bond fund, buy another Fund – that’s fine to do, and the wash sell rules won’t catch up to you.   Let's end this year s...2022-11-0714 min2025 The Final Drive Podcast2025 The Final Drive PodcastInvestment Properties and the Tax Deferred ExchangeYou own an investment property and want to sell it; but you also don’t want to pay all that tax.  In this week’s episode David discusses the benefits of doing a 1031 Tax Deferred Exchange for investment properties.  Plus, learn how to have your cake and eat it too, by pulling out some money tax free, before or after a transaction is complete! This is not a recommendation for a 1031 Exchange, the mention of a 1031 Exchange in this Pod Cast is for Educational and Informational Purposes only.  https://www.cfci.us/2025...2022-10-3112 min2025 The Final Drive Podcast2025 The Final Drive PodcastGifting Investment Property to FamilyYou are ready to gift one of your investment properties to a family member, but unsure how to go about it. Your son has been living in a home of yours, and paying you rent, but you want to gift him the property.  What steps do you begin to take? Do we need to sign a new deed? Will this affect mine or his taxes next year?  We have seen this scenario more than once in our office, and David sits down to discuss what steps he has taken to...2022-09-1210 min2025 The Final Drive Podcast2025 The Final Drive PodcastStudent Debt ForgivenessStudent Debt. This is a hot topic and we just added fuel to the fire. Biden has set out to eliminate $10-20k worth of student debt. While this helps many people now, mathematically this could potentially hurt us long term. With thousands of students going further into debt every year, this responsibility should be on the colleges. We need an educational reform. But when? https://www.cfci.us/2025-the-final-drive2022-08-2912 min2025 The Final Drive Podcast2025 The Final Drive PodcastSpecial Edition - Inflation Reduction Act of 2022Special Edition on the “inflation reduction act of 2022” or should we call it the “we hope it doesn’t cause more debt act”? More spending with the hopes of increasing revenue with a minimum corporate tax and increasing IRS audits – we’ll see if it works, but it rarely does. It just reinforces we are addicted to debt that we never intend to pay back, even though we will try. The passage of this new bill simply reinforces that fact that taxes must go up to pay for our past, and now our future promise...2022-08-2216 min2025 The Final Drive Podcast2025 The Final Drive PodcastRecap Discussion with Martin James Part 3/3Getting more personal with Martin James in our last installment of part 3 of 3. Join David and Martin in their discussion of QCDs: How can you help your own CPA when filing? Later they get into how to manage a step-up cost basis. How can you manage a step-up cost basis with married couples? This hasn't been on David's radar yet, but thanks to Martin's own research and advice David learns more about how it works. Did you know there are different rules for this basis in other...2022-08-1522 min2025 The Final Drive Podcast2025 The Final Drive PodcastRecap Discussion with Martin James Part 2/3Join David and his Guest Martin James as they embark on a 3-part series, this is part 2 or 3. Martin, a recovering CPA, has also projected tax changes coming at the end of 2025 due to our Marginal Tax System. How will this affect our current bracket rates?  Have you ever thought to yourself: What is Stealth tax? How does this affect me? What is the history? https://www.cfci.us/2025-the-final-drive2022-08-0815 min2025 The Final Drive Podcast2025 The Final Drive PodcastRecap Discussion with Martin James Part 1/3Bloomington roots grow deep when these 2 individuals get to talking. Join David and his Guest Martin James as they embark on a 3-part series, this is part 1 of 3.  Martin James is a recovering CPA now turned Fly Fishing Instructor. Martin is a Charter Member in the Ed Slott's Elite Group with David.  This episode begins with discussions about previous Final Drive episodes on managing your taxes: Medicare Premiums, Roth Conversions, tax changes coming, and more. https://www.cfci.us/2025-the-final-drive2022-08-0114 min2025 The Final Drive Podcast2025 The Final Drive Podcast2025 The Final Drive - E24 - Reduce Your Medicare PremiumsPrescribing a Roth to reduce Pre-Medicare Premiums – or maybe eliminate the cost all together. Listen to David as he discusses a real-life scenario where a client saved money doing this exact thing!  https://www.cfci.us/2025-the-final-drive2022-07-2515 min2025 The Final Drive Podcast2025 The Final Drive PodcastYou're too old to Convert? Think Again!Am I too OLD to do a ROTH Conversion?  Think again. Join David as he describes why you're NEVER too old for conversions. https://www.cfci.us/2025-the-final-drive2022-07-1814 min2025 The Final Drive Podcast2025 The Final Drive PodcastInvest Like a Wealthy Person with Special Guest Rod HollowayHave your money make more money, all tax free!  Learn how to invest the way the wealthy invest, and stop investing like you’re still poor! Keep tuning in to learn about how Covered Calls can help with our special guest Rod Holloway. https://www.cfci.us/2025-the-final-drive2022-07-1117 min2025 The Final Drive Podcast2025 The Final Drive PodcastAvoid Tax Penalty and Rolling Company Stock in 401KLittle known ways to get money out of your retirement plan, before age 59 ½, without a tax penalty.    Do you have company stock in your 401K?    Don’t miss out on one of the littlest known opportunities to potentially pay no tax on that Stock. https://www.cfci.us/2025-the-final-drive2022-06-2712 min2025 The Final Drive Podcast2025 The Final Drive PodcastUnintended Consequences of Retirement GrowthSo you think you’ll be in a lower tax bracket when you retire? The narrative of getting a deduction when you put money into your retirement account, grow tax deferred, and pay the tax when it comes out, has been flipped! https://www.cfci.us/2025-the-final-drive  2022-06-2011 min2025 The Final Drive Podcast2025 The Final Drive PodcastInflation in WashingtonOut of control debt and spending how does inflation help or hurt our debt problem? What’s the appetite of Washington to do anything about it?  Not much for now – but nothing happens in America until there is a crisis. More reasons to take a proactive approach to move your retirement out of the cross hairs of higher taxes coming. https://www.cfci.us/2025-the-final-drive2022-06-1318 min2025 The Final Drive Podcast2025 The Final Drive PodcastRMDs Paying Off US DeficitsWhy are they proposing our Required Distribution age on our IRA’s and 401K’s be 75 as part of The Secure Act 2? David explains how budgets are made, by occasionally pulling forward expenses and pushing out revenue to cover the cost.  How demographics, projected retirement plan balances, line up perfectly to the new RMD age to pay for our projected spending. Once again proving our Retirement accounts are squarely in the crosshairs of higher taxes and what you should do about it. https://www.cfci.us/2025-the-final-drive2022-06-0619 min2025 The Final Drive Podcast2025 The Final Drive PodcastMarital Gifting and Capital GainsListen to David explain how to get a full step up of cost basis on a Marital asset and avoid paying capital gains?  Learn about the Marital Gifting Strategy that almost no one knows about!  Hear how to take advantage of your life time, gift exclusion amount, without the fear of an IRS claw back. https://www.cfci.us/2025-the-final-drive2022-05-2315 min2025 The Final Drive Podcast2025 The Final Drive PodcastHolding Investments in Which Types of AccountsWhat types of investments should you hold in which type of accounts? Taxable, Tax Free & Tax Deferred Why Auto Enrollment is good for America, but what are they missing big time? https://www.cfci.us/2025-the-final-drive2022-05-1622 min2025 The Final Drive Podcast2025 The Final Drive PodcastBonds: What is Tax-Free?Are tax free bonds truly tax free?  Not always. Who should consider tax free bonds and who shouldn’t? What are the alternatives? When you're looking at regular Bonds vs I-Bonds there is a difference. Join me in this episode as we learn how to calculate your tax equivalent yield. https://www.cfci.us/2025-the-final-drive2022-05-0916 min2025 The Final Drive Podcast2025 The Final Drive PodcastYour Roth IRA Money When should you use your ROTH IRA money? While your living or when you’re dead? Maybe the answer is – whenever you want! https://www.cfci.us/2025-the-final-drive2022-05-0217 min2025 The Final Drive Podcast2025 The Final Drive PodcastRequired Minimum DistributionsDid you know that the IRS will tell you exactly when you have to take money out of your retirement accounts, how much and how much is theirs? Take control, the time to act is now to keep the IRS from telling you what to do! Are you single?  Taking care of an aging Parent? Find out if you qualify to change your tax filing status from Single to Head of Household, and enjoy the most favorable tax treatment for yourself of all. https://www.cfci.us/2025-the-final-drive2022-04-2513 min2025 The Final Drive Podcast2025 The Final Drive PodcastCapital Gains - Short term vs. Long TermCapital Gain Taxes are different! Short term vs. Long Term How to maintain the stepped up cost basis if you want to transfer title to your kids before your passing. https://www.cfci.us/2025-the-final-drive2022-04-1816 min