In this episode, I explain what your will actually does—serving as an instruction manual for probate court rather than avoiding it—covering how wills handle personal property and guardian nominations while revealing their critical limitations: they can't override beneficiary designations on retirement accounts, don't help during incapacity, and become public record once you die, setting up next week's discussion on living trusts.

In this episode, I break down the financial nightmare called probate—a legal process that ties up your family's inheritance for 6-18 months, costs thousands of dollars, and makes all your financial business public record—explaining the five court steps from validating your will to distributing assets, and why everything from creditor claims to court scheduling delays makes this such a painful process for your loved ones.

In this episode, I explain why I avoid mutual funds and choose ETFs for your investments—breaking down how mutual funds charge an average of 0.68% versus ETFs at 0.16%, plus additional fees like 12B1 marketing costs, load fees, and transaction costs that can add up to $47,000 in fees alone over 25 years on a $50,000 investment, all while providing zero conflicts of interest since I don't accept kickbacks from fund companies.

In this episode, I expose the harsh reality of required minimum distributions (RMDs)—explaining how that "tax break" you got from your 401(k) becomes a rude awakening when you're forced to withdraw money at age 73 whether you want it or not, turning your $4,000 monthly need into a $5,000 withdrawal with $1,000 going straight to the IRS, plus how your heirs get stuck distributing everything within 10 years and doubling their tax bills.

In this episode, I reveal the Roth 401(k)—the backdoor most high earners don't know exists that lets you put up to $23,500 (or $31,000 if you're over 50) into tax-free retirement money even if you make too much for a Roth IRA, explaining how this strategy avoids required minimum distributions, protects your Medicare premiums, and creates estate planning gold for your heirs.

In this episode, I break down how the weakening jobs report (lowest job availability since March 2021) combined with plummeting consumer confidence is creating a 360-degree fear cycle where employees feel stuck, consumers freeze their spending, and businesses delay major purchases—explaining why now is the perfect time for business owners to rethink their pricing models and services rather than panic in our consumer-driven economy.

In this episode, I explain why the Federal Reserve held interest rates steady despite presidential pressure, breaking down how tariff uncertainty is making the Fed nervous about inflation returning—and why dropping rates back to pandemic levels of 3% simply isn't going to happen when we're already seeing cereal boxes shrink while costing $6, making borrowing cheaper would be economically reckless right now.

In this episode, I explain the urgent timeline for current student loan borrowers—you have until July 2028 to choose one of two new repayment plans, but parents with PLUS loans only have until July 2025 to consolidate or face permanently higher payments, while safety nets like job loss deferments are disappearing and four generous repayment plans (including Biden's SAVE plan) are being eliminated entirely.

In this episode, I break down how the new legislation is ending the "unlimited borrowing era" for students by capping graduate degrees at $100,000 lifetime and professional degrees at $200,000, while eliminating grad PLUS loans and simplifying repayment to just two options—forcing both students and schools to confront real affordability instead of hiding behind endless federal borrowing that's created a massive tuition inflation bubble.

In this episode, I break down the massive $3 trillion spending and tax cut package that just passed, explaining how it adds $3.4 trillion to government debt while creating major investment opportunities in defense companies like Lockheed Martin (with $29 billion for Navy ships), infrastructure firms like Honeywell, and energy companies like Exxon—plus how that $10,000 American-made car tax break could shift automotive markets.