Shows
Jae'$ Corner PodcastIndividual Health Insurance | Interview With Josh ScandlenIndividual Health Insurance | Interview With Josh Scandlen
My Interview on Josh Scandlen’s Channel
We review the free quoting tool for individual health insurance. Josh knows what to ask, and how.
He’s like the Pied Piper, it’s very clear why. He has the energy and enthusiasm that will appeal to many. He’s almost an OG of the book, he and I share the idea that “we don’t care where the money or costs originate, we are trying to help people realize that it is the overall amount that matters.” So, Josh has corre...
2021-12-101h 50
The Punk Rock MBAJosh Scandlen (Heritage Wealth Planning)Finn joined Josh Scandlen's podcast to discuss how he's risk-averse, starting his YouTube channel, and more.Check out Heritage Wealth Planning.Check out Josh's YouTube channel.Follow The Punk Rock MBA on Twitter, Facebook, and YouTube.Follow Finn McKenty on Instagram.PRMBA MerchProduced and edited by Deanna Chapman.Support The Punk Rock MBA on Patreon Learn more about your ad choices. Visit megaphone.fm/adchoices
2020-07-3155 min
The Josh Scandlen PodcastM1 Finance Interview With Mike SavinoI 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 u...
2019-11-1431 minThe Josh Scandlen PodcastFinancial Planning Live Stream with Amar ShahFind the video version here. https://youtu.be/CkhbQ_cG1I0
2019-11-061h 07The Josh Scandlen PodcastMichelle Stirling, From Friends of Science, and I Discuss Climate AlarmismIt 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 anim...
2019-11-051h 072019-10-2817 minThe Josh Scandlen PodcastWhen To Convert To Roth IRA (Part 1)https://heritagewealthplanning.com/when-to-do-roth-conversions-part-1/
2019-10-2812 minThe Josh Scandlen PodcastWhen Should Charlotte Take Social Security?https://heritagewealthplanning.com/
2019-10-2816 minThe Josh Scandlen PodcastVDIGX vs. VWELX vs. VFINXhttps://heritagewealthplanning.com/vanguard-dividend-growth-vs-vanguard-wellington-fund-vs-sp-500/
2019-10-2817 min2019-10-2816 minThe Josh Scandlen PodcastRetirement Plan No One Talks Abouthttps://www.schwab.com/public/schwab/investing/accounts_products/investment/annuities/income_annuity/fixed_income_annuity_calculator
2019-10-2825 minThe Josh Scandlen PodcastMarket Timing and FearGet the PDF version of my Tax Bomb book for free follow this link. https://mailchi.mp/7e528cd3cfb3/taxbomb
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2019-10-2812 minThe Josh Scandlen PodcastG.K. Chesterton on Journalismhttps://www.goodreads.com/work/quotes/251085-the-ball-and-the-cross
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2019-09-0708 minThe Josh Scandlen PodcastThe Future Of Retirement is NOT Doomed!https://www.marketwatch.com/story/the-future-of-retirement-isnt-doomed-but-retirees-may-still-need-some-serious-help-2019-07-23?mod=mw_theo_homepage
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Get the PDF version of my Tax Bomb book for free follow this link.
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2019-09-0710 minThe Josh Scandlen PodcastPrepare for Low Growthhttps://heritagewealthplanning.com/be-prepared-for-low-growth-deflation/
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2019-09-0718 minThe Josh Scandlen PodcastHuge Amounts of Bonds Have Negative Yields!https://www.cnbc.com/2019/08/21/negative-yielding-debt-poses-major-risks-for-investors.html?__source=iosappshare%7Ccom.apple.UIKit.activity.CopyToPasteboard
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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:
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Want to support what I'm doing for $10 a...
2019-09-0215 minThe Josh Scandlen PodcastMy Rebuttal to NOT Paying Off Your Mortgage================================
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My 4th...
2019-09-0218 minThe Josh Scandlen PodcastSurvivor Benefit or Life Insurance?https://militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Overview/
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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:
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2019-08-2415 minThe Josh Scandlen PodcastRetirement Q&A and Some History of Ole JoshThe story of why I love Chimichangas!
2019-08-2444 minThe Josh Scandlen PodcastFritz Gilbert, Maestro of TheRetirementManifesto.com, Joins Us!I'm a big fan of Fritz Gilbert's TheRetirementManifesto.com website. Just a TON of great information there that YOU can use to help with your own financial planning.
So, it's a true pleasure to chat with ole Fritz about his own transition to retirement in this episode. Thanks for listening!
https://www.theretirementmanifesto.com/
https://www.amazon.com/s?k=scandlen&ref=nb_sb_noss
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2019-08-2047 minThe Josh Scandlen PodcastCan you Retire on Social Security Alone (Josh's Best Tips)To see the video go here: https://youtu.be/D-9t-tNsAfM
2019-08-2037 minThe Josh Scandlen PodcastShould My Kids Buy My House to Help With My Retirement?================================
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:
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2019-08-1608 minThe Josh Scandlen PodcastOnly 8% of Homeowners Took Mortgage Interest Deduction in 2018!hmmmm...if only someone woulda said this would happen! BWHAHAHA
https://www.nytimes.com/2019/08/04/business/economy/mortgage-interest-deduction-tax.html
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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:
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https://www.audible.com/pd/B07ND4H9K9/?source_c...
2019-08-1613 minThe Josh Scandlen PodcastThe BEST Retirement Plan According to Stanford University Researchhttp://longevity.stanford.edu/2019/07/08/viability-of-the-spend-safely-in-retirement-strategy/http://longevity.stanford.edu/2019/07/08/viability-of-the-spend-safely-in-retirement-strategy/
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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:
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https://www.audible.com/pd/B07ND4H9K9/?source_code=AUDFPWS0223189MWT-BK-ACX0-141987&ref=acx_bty_BK_ACX0_141987_rh...
2019-08-1607 minThe Josh Scandlen PodcastWellington Fund at the Start of The Great Depressionhttps://heritagewealthplanning.com/wellington-fund-at-the-start-of-the-great-depression/
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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:
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https://www.audible.com/pd/B07ND4H9K9/?source_code=AUDFPWS0223189MWT-BK-ACX0-141987&ref=acx_bty_BK_ACX0_141987_rh_us
Wa...
2019-08-1408 minThe Josh Scandlen PodcastSmall Cap Value Stocks Are Cheap, Says Larry Swedroe
https://www.advisorperspectives.com/articles/2019/08/08/small-value-stocks-are-cheap?channel=Alternative%20Investments&bt_ee=FKlSPXrTFbwzaNjm9t3LlmOZj1zAPx%2Fj0VbfzBD8XtlvMiAEnx6%2BD3y3kxbYtr1d&bt_ts=1565604074017
https://investor.vanguard.com/etf/profile/VTV
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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:
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2019-08-1413 minThe Josh Scandlen Podcast#1 Book On Living Trusts!Get it NOW!
https://amzn.to/2MVzKah
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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:
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https://www.audible.com/pd/B07ND4H9K9/?source_code=AUDFPWS0223189MWT-BK-ACX0-141987&ref=acx_bty_BK...
2019-08-1308 minThe Josh Scandlen PodcastREMEMBERING THE HORRIFIC RED AUGUST(1966)https://amzn.to/2KM6Hmy
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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:
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https://www.audible.com/pd/B07ND4H9K9/?source_code=AUDFPWS0223189MWT-BK-ACX0-141987&ref=acx_bty_BK_ACX0_141987_rh_us
2019-08-1311 minThe Josh Scandlen PodcastRetirees Have MUCH More Income Than Is Reportedhttps://www.census.gov/content/dam/Census/library/working-papers/2017/demo/SEHSD-WP2017-39.pdf
https://www.ssa.gov/policy/docs/chartbooks/fast_facts/2018/fast_facts18.pdf
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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&ref=acx_bty_BK_ACX0_141746_rh_us
https://www.audible.com/pd/B07...
2019-08-1330 minThe Josh Scandlen PodcastNot Even MORE Investment Industry Hypocrisy??? NO WAY!================================
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:
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2019-08-1008 minThe Josh Scandlen PodcastAn American Hero You'll Never Hear About================================
Get the PDF version of my Tax Bomb book for free follow this link.
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Get my books on Audible here:
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https://www.audible.com/pd/B07ND4H9K9/?source_code=AUDFPWS0223189MWT-BK-ACX0-141987&ref=acx_bty_BK_ACX0_141987_rh_us
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2019-08-1020 minThe Josh Scandlen PodcastRoth Conversions: Not Always An Easy Call================================
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:
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https://www.audible.com/pd/B07ND4H9K9/?source_code=AUDFPWS0223189MWT-BK-ACX0-141987&ref=acx_bty_BK_ACX0_141987_rh_us
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2019-08-0215 minThe Josh Scandlen PodcastDon't Put Too Much Faith In Financial Advisors================================
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:
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https://www.audible.com/pd/B07ND4H9K9/?source_code=AUDFPWS0223189MWT-BK-ACX0-141987&ref=acx_bty_BK_ACX0_141987_rh_us
Was this video worth a buck or two? Donate a...
2019-08-0220 minThe Josh Scandlen PodcastHow Mississippi Tax Retirees (Lowest Taxes In The US?)Mississippi is VERY favorable for retirees when it comes to taxes.
In fact, it's going to incredibly hard to beat the great state of Mississippi in terms of the taxes retirees pay.
Let's start with income tax. Yes, Mississippi has an income tax. And so many people will overlook the state for retirement. BIG MISTAKE!
Mississippi exempts ALL retirement income from tax, not only Social Security but IRA, 401ks, 403bs, TSP and pensions. Are all exempt from taxation!
That is ama...
2019-06-2610 minThe Josh Scandlen PodcastRetirees: It's OKAY To Spend Money In Retirement!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...
2019-06-1628 minThe Josh Scandlen PodcastThe 1 Question to Ask A Financial AdvisorIf they get this wrong, RUN out of their office! If you are nice and want to give them a second chance ask them HOW they get to their response.
https://www.onefpa.org/business-success/Documents/2018%20Trends%20in%20Investing%20Survey%20Report%20-%20FIN.pdf
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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/B07ND3K...
2019-06-1616 minThe Josh Scandlen PodcastRecession is Coming! (It ALWAYS is)When is the next recession coming? SOON, right?
https://www.frbsf.org/economic-research/publications/economic-letter/2016/february/will-economic-recovery-die-of-old-age/
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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&ref=acx_bty_BK_ACX0_141746_rh_us
https://www.audible.com/pd/B07ND4H9K...
2019-06-0620 minThe Josh Scandlen PodcastWhy I Am Upset With the Financial Industry - And YOU Should Be Too!================================
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!
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2019-04-3016 minThe Josh Scandlen PodcastMy CPA Says My $650k IRA Is Not Close to Enough To Retire!Time for a new CPA. Guy didn't even ask what her expenses were!!!
How can you say ANYTHING about someone's ability to retire without knowing the most important thing regarding retirement???
Time to hang up the pencil, sir!
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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 SE...
2019-04-3008 minThe Josh Scandlen PodcastKaren Has A $1Million IRA - Now What? (Social Security at 66, 70)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...
2019-04-3018 minThe Josh Scandlen PodcastCan You Retire on Less Than $300,000?Danielle Roberts owns the Boomer Benefits Youtube channel, Facebook page...and , course, actual business.
She reached out to me a few weeks ago so I could share some thoughts with her audience that you don't need MILLIONS to retire.
Unfortunately, the reach of Suze Orman and others is wide and deep and so many, many people are grinding away, at their crappy, old jobs, for fear of running out of money.
So, they never liberate themselves. Sad....just sad.
Here...
2019-04-3034 minThe Josh Scandlen PodcastMedicare Q&A With Danielle Roberts from Boomer BenefitsMedicare...ahhhh harder than rocket science. Medicare makes Social Security planning seem like you're on the beach watching the kids play.
But thankfully, there are people who know a thing or two about Medicare.
Danielle Roberts is one. And in this video we interview her about all things Medicare.
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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 comi...
2019-04-3047 minThe Josh Scandlen PodcastBorrow From Your 401k Or Finance A Vehicle?Should you borrow from your 401k to finance a vehicle?
In this video we model scenarios as to when it makes sense.
First thing to understand is how a 401k loan actually works. You can borrow up to 50% of your balance or $50k, whichever is less.
So if you have $10k in your 401k, you can borrow $5k. If you have $50k in your 401k, you can borrow $25k. If you have $150k in your 401k you can borrow???
Tha...
2019-03-2714 minThe Josh Scandlen PodcastHow TEXAS Taxes RetireesTexas is such a great state. Southern, Mexican, Cajun, German culture all thrown into one place. Plus the diversity in landscape.
Arid in South Texas. Green rolling hills in the east. Deserts, beaches, mountains. Can it get any better? Absolutely fantastic.
Just to set the record straight, there "ain't no saguaros in texas" https://www.youtube.com/watch?v=mg5VwtODOJQ. You need to go to AZ to see those.
But taxes in Texas are not nearly as favorable as one would think. Yes, no income tax. That's a...
2019-03-2710 minThe Josh Scandlen PodcastHow TENNESSEE Taxes RetireesTennessee is one of the few states with no income tax. So, right there alone the good folks in Tennessee are going to be taxed very favorably when it comes to retirement.
However, sales in Tennessee is the second highest in the nation, clocking in at 9.46% on average when you factor in local sales tax.
But, a high sales tax is the only sore spot for retirees in Tennessee because property taxes are also among the lowest in the country at .75%.
Factor in Tennessee's low...
2019-03-2706 minThe Josh Scandlen PodcastHow PENNSYLVANIA Taxes RetireesPennsylvania is very good to its retirees in terms of the taxes they pay.
In fact, ALL retirement income is excluded from taxation!
So, just say you have $40k in Social Security and $60k in IRA, pension and 401k distributions. You will pay 0 in tax. That is a big, fat Goose Egg, my friends.
Now, you may think PA has a high sales tax. And you'd be wrong. The state plus local sales tax rate puts PA in the bottom third of all the US for s...
2019-03-2712 minThe Josh Scandlen PodcastHow GEORGIA Taxes RetireesGeorgia taxes for retirees are among the lowest in the nation. In fact, Georgia ranks in my top 8 for most friendliest towards retirees!
Georgia is even more tax-friendly than its neighbor to the north, Tennessee even though Tennessee has no income tax. Weird right?
And this is a perfect example of the need to look beyond just the states with no income tax as a place to retire that is tax-friendly.
For example, in GA, if you are married and have income up to $130k, there is NO T...
2019-03-2716 minThe Josh Scandlen PodcastHow To Evaluate Mutual Fund Fees - (Revolutionary FREE Tool)Listening to the Meb Faber Podcast while mowing my lawn this afternoon and he mentioned this website called FeeX.com.
FeeX is a site you can go and for FREE type in your fund holdings, even link your account if you’re so inclined. Their algorithm will then analyze your funds PLUS a list of comparable funds that are a whole lot cheaper. It’s crazy! And it’s awesome!
For instance, I typed in USMIX, which is USAA’s Extended Market Index. Out came a bunch of other funds, e...
2019-03-2220 minThe Josh Scandlen PodcastLive in Maryland - Do NOT Rollover Your 401k, 403b or TSP!!!If you are planning on retiring in Maryland, do NOT rollover your employer sponsored retirement plan, 401k, 403B, 401a, 457, and TSP unless you want to pay more in tax.
And when I say more in tax, I mean much, much more.
Maryland tax law allows you to exclude $29,900 from your employer sponsored plan once you are over 65 years old, per taxpayer. Which means a married couple could exclude nearly $60k from taxable income.
Maryland also excludes your entire Social Security income from taxes too. So if...
2019-03-2212 minThe Josh Scandlen PodcastDivorce Pending??? Do THIS!=================================
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2019-03-2013 minThe Josh Scandlen PodcastHow To Evaluate Mutual FundsAlmost every investor owns a mutual fund. But how many of those investors actually know what it is they own?
In this video I am going to breakdown the most important aspects you need to look at when you're considering mutual fund investing.(By the way, the same things are applicable to Exchange Traded Funds as well.
1. expenses
2. portfolio turnover
3. 30 day SEC yield
4. Tax adjusted returns
5. historical taxable distributions
6. tenure of fund manager
7. portfolio holdings
8. u...
2019-03-1947 minThe Josh Scandlen PodcastWhat You Need To Know About Durable Powers of AttorneyA Durable Power of Attorney is one of the MOST important aspects of estate planning. And yet, it seems to be the one area that is least understood.
What a Durable Power of Attorney does is allow someone to act on your financial affairs, as if they were you, even after you've been declared incapacitated. A "Durable" Power literally means is survives incapacity.
A "General" Power stops at incapacity.
It's CRUCIAL to understand the difference! If your Power of Attorney is not durable, it will ce...
2019-03-1212 minThe Josh Scandlen PodcastHow Bad Luck Will Destroy Your Retirement PlanIn the previous episode (https://youtu.be/S34U7tDqr4w) we discussed how Dave Ramsey made the HUGE mistake in mixing average market returns with volatility.
It is true the market has returned over 10% a year since 1926. However, the mistake Dave makes is assuming that means one can take a distribution of anything less than 10% and NEVER TOUCH PRINCIPAL.
This is a horrendous mistake to make. And for those who follow that advice they could easily find themselves out of money before they are out of time.
2019-03-1012 minThe Josh Scandlen PodcastHow To Reduce Taxes Under the New Tax Law - Capital GainsThe new tax law that we're all living under now (2018) presents wonderful ways for YOU to reduce your taxes now...and in the future.
But like all things, only those with the knowledge of the bill will benefit. Is it any wonder why corporations and other entities spend so much money lobbying Congress for just a line item? No, because they are knowledgeable of what they need to pay less. And they'll spend tooth and nail to try to enact that provision.
But just because you don't have a mu...
2019-03-1029 minThe Josh Scandlen PodcastHow a Roth IRA Affects Financial AidI had NO clue that distributions from Roth IRAs are used on your FAFSA and can affect your ability for need-based aid.
But they do! Let me repeat that. ..Distributions from Roth IRAs are used in your FAFSA as a way to determine how much your Expected Family Contribution (EFC) is.
Thus, if you have a Roth and thought you could pull from it, tax free, well you'd be right... BUT, that doesn't mean this is a good idea. Not if you think you can get need based aid.
2019-03-0309 minThe Josh Scandlen PodcastAnnuity Rant: Should You HATE Annuities?:In this "Josh Rant" I discuss the controversial topic: Annuities.
Not sure why the controversy surrounds this one product, but just type "annuity" into any search engine and you'll get a plethora of commentary about the good and bad of annuities.
Here's my problem with this whole concept though; Annuities are an inanimate object! They are neither good NOR bad. They have no power to cause harm or charity
An annuity, like any other inanimate product, just exists. It's people engaging in the product that can do harm...
2019-03-0210 minThe Josh Scandlen PodcastFidelity Freedom Funds: What You MUST Know!Fidelity Freedom Funds made DRASTIC changes to their approach in 2014.
Consequently, they've improved performance numbers significantly.
Is this a reason you should now reconsider their funds though?
In this video we discuss the changes Fidelity made to their management approach to their Freedom Funds and why they made the changes to begin with.
Turns out Fidelity has been underperforming for years and assets were flying out the door.
So, to stem the outflow FIdelity mad...
2019-02-2818 minThe Josh Scandlen PodcastSocial Security For Divorcees (Married More Than 10 Years?)Maybe the best financial planning I've ever conducted is working with ex-spouses in planning for their retirement.
I can't tell you how many ex's do not understand the benefits they are entitled to off their ex-spouses record.
And once they are made aware of this opportunity, it's like a dark curtain is lifted and a whole world of new opportunities opens in front of them.
For instance, I had a client who lived in Pennsylvania. She had been married many years to a high-income doctor. But...
2019-02-2615 minThe Josh Scandlen PodcastCancel Save changes How Required Minimum Distributions Can Triple Your Taxes (Part 2)In part two of our Required Minimum Distribution video I show you the HUGE tax increase that Jane is facing with upon becoming a widow.
Not only do her income taxes (and brackets) increase dramatically but the tax on her Social Security does as well PLUS she now will pay more than double premiums on Medicare Part B and D.
It gets worse too folks.
The longer she lives, the larger her RMDs will be and the larger ALL three of those taxes will be...
2019-02-2519 minThe Josh Scandlen PodcastNo Reason To Live In FearThe likelihood of you being killed in a terrorist attack by someone form another religion, by a gun-toting Trump supporter, or by ANY random event that happens while you're living your day-to-day life is almost ZERO!
Yes, these things do happen to some people. And that's horrible. But it's such a small occurrence it makes no sense to organize your life around these events which simply will not happen...to you.
There are other things that will get you though. What you put into your body, be it smack or e...
2019-02-2117 minThe Josh Scandlen PodcastSocial Security Doesn't Cost Basic Living Expenses... Really???Latest episode of The Josh Scandlen Podcast
2019-02-2011 minThe Josh Scandlen PodcastPaying Off YOUR Mortgage Increases Net Worth, Charity and Peace of MinIn 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 ev...
2019-02-1833 minThe Josh Scandlen PodcastHow Much House Can You Afford on 200k in Various States In The USLatest episode of The Josh Scandlen Podcast
2019-02-1614 minThe Josh Scandlen PodcastHow Many Hours Does The Average American Need To Work To Pay The MortgageLatest episode of The Josh Scandlen Podcast
2019-02-1611 minThe Josh Scandlen PodcastProof There Really Is NO Mass Migration in the USLatest episode of The Josh Scandlen Podcast
2019-02-1617 minThe Josh Scandlen PodcastI was RIGHT! I Knew IT! Why You Can't Trust The ExpertsLatest episode of The Josh Scandlen Podcast
2019-02-1617 minThe Josh Scandlen PodcastHomeowners With Mortgages: Financial Stats From Census BureauLatest episode of The Josh Scandlen Podcast
2019-02-1421 minThe Josh Scandlen PodcastWindfall Elimination Provision ExplainedLatest episode of The Josh Scandlen Podcast
2019-02-1413 minThe Josh Scandlen PodcastAverage Household Debt By Age: WARNINGGood article by Smartasset.com about average debt by age in the US.
But there is a HUGE issue you need to know before you refer to this study as gospel.
https://smartasset.com/credit-cards/the-average-debt-by-age
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2019-02-1210 minThe Josh Scandlen PodcastIs Home Equity Under-used in Retirement Planning? YES!the majority of retirees, if not the VAST MAJORITY, have significantly more wealth in their home than they do in financial assets.
Retirees in the lowest 3 quintiles of wealth all have more, significantly more, wealth in their homes than any other asset.
In fact, even folks in the 4th wealthiest quinitle, their financial assets just equal their home asset. It's only the richest quintile of retirees who have more financial assets than home equity assets.
Thus, to NOT consider using home equity makes no se...
2019-02-1221 minThe Josh Scandlen PodcastRetire at 55 - What Happens With Social Security (2019 - Update)Thinking of retiring at 55 but worried what will happen to your Social Security benefit?
Maybe dont' worry so much. I show you why in this video using the Social Security indexing updated for 2018.
You'll quickly see that working longer won't do much to increase your benefit.
https://www.ssa.gov/cgi-bin/awiFactors.cgi
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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 vid...
2019-02-0814 minThe Josh Scandlen PodcastBest Counties To Retire In Each State AL - MOLatest episode of The Josh Scandlen Podcast
2019-02-0315 minThe Josh Scandlen PodcastBest Counties To Retire In Each State MT - WYLatest episode of The Josh Scandlen Podcast
2019-02-0313 minThe Josh Scandlen PodcastStrategic Money Planning - Entire Audio BookLatest episode of The Josh Scandlen Podcast
2019-02-021h 38The Josh Scandlen Podcast# 122 As Fixed Index Annuities Gain Popularity, Here's What You Need To KnowSales of Fixed Indexed Annuities (FIAs) are in the billions. So, obviously these products are resonating with some folks.
For them to resonate with you please understand these things.
1. Fixed Index Annuities will most likely give you BOND-like performance, not stock-like performance.
If a sales guy is selling you on the concept of stock-like performance with no risk, please run, don't walk but RUN, away. In this video I show you research by Roger Ibbotson, who is in favor of these products, what he says FIAs will most likely do. Again...
2019-01-3111 minThe Josh Scandlen PodcastWhat Roth IRAs Can't DoBonus 1 - Roth’s Are Included in Estate Tax Calculations
Roth IRAs are included in your estate for estate tax purposes. Yes, the vast majority of Americans will die without owing any federal estate tax. But if you are one of the couple thousand Americans who have an estate over $20 million at the time of this writing (2018), your Roth will be included.
Now, with that said, everything you own will be included; Your Traditional IRA, life insurance, home, etc. A Roth is not unique. But it’s important to know that while a Roth is income t...
2019-01-3108 minThe Josh Scandlen PodcastHow Your Teen Can Take Advantage of the Tax Code15 - How Your Teen Can Take Advantage of the Tax Code
I cannot tell you how many times I’ve been asked this question: “Josh, my 16 year old son has a part time job this summer. Can he open a Roth?”
Yes, he can start a Roth and certainly should. A great strategy is to give him the money to open the account based on the income he made.
Incentivize your children to work by opening a Roth for them
For instance, say he made $5,000 washing dishes over the summer but he want...
2019-01-3104 minThe Josh Scandlen PodcastEven Jeff Bezos Should Have a Roth 401kEven Jeff Bezos Should Have a Roth 401k
Another benefit of the Roth is one many overlook. This is the ability to fund a Roth 401k regardless of your income. High income earners, even millionaires, can fund a Roth 401k if their plan offers it.
I know many of you are reading this and saying “Josh, you’ve really lost it now. Why on earth would a high-income earner want to fund a Roth with after-tax money when she is in a high tax bracket?”
To which I say “Even after reading this far in thi...
2019-01-3104 minThe Josh Scandlen PodcastThe Easy Way to Avoid Doubling, Even Tripling, Your Medicare PremiumsWith 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 tra...
2019-01-3004 minThe Josh Scandlen PodcastThe 50% Tax Increase on IRA DistributionsThe single most important thing to understand about the U.S. tax code is the difference between gross income and taxable income.
Let’s introduce John and Judy. They have $100,000 in gross income. What do you think their tax bracket is?
Most people will see a married couple with $100,000 income and think they are in the 22% tax bracket. But that is incorrect.
Taxable Income vs. Gross Income
Your federal tax bracket is actually based on your taxable income not your gross income. Taxable income is the net amount you have after you ta...
2019-01-2505 minThe Josh Scandlen Podcast# 120 - LIVE Q & A Session #1In this episode I answer a ton of questions Live on Youtube.
Here's just a small sampling:
***
I’ve been working at Taco Bell since July 11th, i am currently 16 saving for my first car. I have about 4,700$ saved up, should i file for tax returns?
*** To avoid family or friends disputes over money, do you have any suggestions as who could be an executor of our trust?
*** We noticed that over 50% of our networth is in Real Estate. Is this normal or shoul...
2019-01-171h 31The Josh Scandlen Podcast# 116 - Fear! What Are You Afraid Of?File this under a Josh Rants episode please. Thus, if you're looking for financial planning specific info, this video is probs not for you.
Because in this video I want to take a moment or 30, to talk about fear. And ponder why it is so prevalent in our modern culture.
A culture where we have abundance like the world has never seen. Where we have so much food we refuse it when presented to us. Where we can literally go a whole day, a week even, and never know what the weather is outside. Where the biggest worry we may...
2018-12-0536 minThe Josh Scandlen Podcast# 115 - Jeremy Siegel's 2019 Predictions - Interesting Stuff From The Market MaestroJeremy Siegel grants his annual interview to Robert Huebscher over at Advisor Perspectives about his thoughts on the markets.
https://bit.ly/2DSRE8O
For those of you unaware, Siegal wrote the NUMBER ONE book on investing you will ever read. Here is the link for his 5th edition.
If you are interested in markets, I'm telling you THIS is the book for you.
https://amzn.to/2ScKFeQ
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https://heritagewealthplanning.com
If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm...
2018-11-2821 minThe Josh Scandlen Podcast# 110 - Social Security Indexing: $16k in 1984 = $50k in 2017I can't begin to tell you how many times I receive an email where someone is concerned about their Social Security benefit being wrong.
They look at their statement and see that they'll receive say $2,000 at FRA but when they calculate the numbers themselves they don't come up with anything close to that.
Then they'll see Youtube videos and other blog posts saying "Your Social Security statement is WRONG!!!" And without understanding they'll simply believe what they see, hear or read.
This is not good because it leads people to stay in their crappy, old job for many more years...
2018-11-0408 minThe Josh Scandlen Podcast# 107 - Fidelity Proves The Era of Expensive Investment Management is OverWhat arrived in the mail the other day? Nothing more than a piece from Fidelity investments advertising they now have funds that are LOWER cost than Vanguards... Wow...
To see the change in the industry from a few decades ago to now, is nothing short of incredible.
John Bogle, Vanguard's founder, was/is a pariah in the investment world. WHy? Because he shown a light on the sickening nature of investment managers getting rid off the back of their investors without adding ANY value.
For many a year, Bogle was demeaned. But the academics saw the light first and slowly...
2018-11-0113 minThe Josh Scandlen Podcast# 105 - My Interview with Horsesmouth.comLatest episode of Josh Scandlen Podcast
2018-10-261h 05The Josh Scandlen Podcast# 104 - TSP WIthdrawal Options are HORRIBLE! Why You Should Roll to an IRAI like the TSP. No, I LOVE the TSP! And you should too. However, when it comes to distributions from the TSP, you literally could not make it any more complex.
For this reason alone, it would be wise to roll your TSP over to an IRA upon separating from service, unless you really, and I mean REALLY, want to leave your heirs with a nightmare.
Now, when I say rollover to an IRA, I don't propose you put it into a high cost fund or annuity. You can get similarly cheap investments at Vanguard and other places as TSP...
2018-10-2533 minThe Josh Scandlen Podcast# 97 - How Investment Fees and Taxes Destroy the 4% RuleThe 4% rule does NOT take investment fees and taxes into consideration.
In this video I show exactly what happens when you add fees and taxes to the mix.
If you're paying for investment advice, you're going to want to revisit your retirement planning.
(In case you're wondering - YES I did just do a video similar to this two days ago. But I deleted it by accident! UGH. However, I wanted to do it again, as it's so important in the retirement planning discussion.)
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GET ALL MY LATEST BLOGPOSTS:
https://heritagewealthplanning.com
If you like what you see, a thumbs...
2018-10-1118 minThe Josh Scandlen Podcast# 96 Medicare Disability - 2 YEAR Waiting Period!Medicare Disability can take up to 24 months after one is officially approved for disability. I had NO clue. This is crazy.
In the example, a man was getting lung cancer treatment on March 2012 and Brain treatment in November in the same year.
He was approved for disability in December 2013, nearly 2 years AFTER his lung surgery. But the rules say you can't receive Medicare disability until 2 years AFTER you were approved!
So, in this case, it will be December 2015 before he is actually receiving Medicare. What happens before then?
Long term disability??? NO! That only includes payments for missed wages, at...
2018-10-1111 min
Listen Up Show with Mitchell ChadrowFinancial Planner Josh Scandlen Founder Heritage Wealth PlanningJosh Scandlen is a Financial Planner and founder of Heritage Wealth Planning a comprehensive financial planning firm located in Georgia. In March of 2018, Josh left USAA after working there for 10 years then worked for a few smaller companies and early this year left being a w-2 employee to start his own financial planning firm and has a successful youtube channel helping people with tax planning, retirement planning, estate planning, and everything finance. He started his financial services career at Vanguard in the late 90's. Although Josh does not manage money any money he still registered as an...
2018-09-1046 minThe Josh Scandlen PodcastEpisode 33 - Over 50? Why You MUST Do Strength TrainingLatest episode of Josh Scandlen Podcast
2018-05-0930 minThe Josh Scandlen PodcastEpisode 32 - More Investment GibberishLatest episode of Josh Scandlen Podcast
2018-05-0822 minThe Josh Scandlen PodcastEpisode 31 - 3 Words You Must Know About Social SecurityLatest episode of Josh Scandlen Podcast
2018-05-0826 minThe Josh Scandlen PodcastEpisode 30 - Life Insurance for a 70+ Man? Good luck!Latest episode of Josh Scandlen Podcast
2018-05-0731 min
The Josh Scandlen PodcastPodcast Episode 12 - Your Financial Questions AnsweredI receive a lot of questions via Quora. Feel free to go to my blog at https://www.quora.com/profile/Josh-Scandlen/blogs or better yet just go to my website at http://heritagewealthplanning.com/blog/.
Here are some of the questions I answer on the podcast today.
1. How many Certified Financial Planners (CFPs) also hold the Chartered Financial Analyst designation (CFA)?
2. Do traditional to roth conversions count against your yearly roth contribution limit?
3. Is it better to pay off your house with your savings before retirement?
4. Is paying 0.50+ expense ratio on VMOT, GVAL, GMOM and SYLD ETFs worth it...
2018-04-1521 minThe Josh Scandlen PodcastJosh Scandlen Podcast Episode 11 - Copywriting That Works with Justin BlackmanHeadlines drive traffic. Don't believe me? How many articles have you "liked" online without actually reading the article. We've all done that.
In fact, there is a rule of thumb that 5 times as many people read the headline as the actual copy.
So headline writing is critical.
In this episode I interviewed a headline maestro, Justin Blackman from www.prettyflycopy.com. Justin is an expert in putting words together to make your business stand out.
Unfortunately, the audio wasn't great. DAMN YOU CELL PHONES! Audio is critical in podcasting and video so I decided not to use it. Sorry about...
2018-04-1448 minThe Josh Scandlen PodcastJosh Scandlen Podcast Episode 9 - Using Firecalc.com For REAL Retirement Planning AnalysisIf you are using a simple Monte Carlo analysis to analyze your retirement projections, you could be setting yourself up for a HUGE disaster. Worst off, is that this disaster may occur when it's just too late to change anything!
Why is this? Because Monte Carlo analysis doesn't include investment fees or taxes.
As I stated repeatedly, investment fees and taxes are the biggest detriments to your portfolio strength.
So, consider using this FREE tool at Firecalc.com. While it won't give us insight into taxes you may pay, it most certainly can allow you to adjust your portfolio for...
2018-04-1228 minThe Josh Scandlen PodcastWhy You SHOULD Borrow From Your 401k - Episode 3Latest episode of Josh Scandlen Podcast
2018-04-0723 min2018-04-0502 min2018-04-0402 min