In this episode Mark delves into the intricacies of ACA subsidies and the significant changes expected in 2026, including the return of the subsidy cliff and increases in Expected Premium Contribution levels based on household Federal Poverty Level guidelines. 

He also shares insights from the new book 'Tax Planning To and Through Early Retirement' by Cody Garrett, CFP and Sean Mullaney, CPA which challenges his current approach to Roth IRA conversions.

Mark also discusses his personal financial planning strategy for 2026 while offering listeners insight on how to navigate the evolving healthcare landscape.

The episode concludes with a light-hearted note about Halloween preparations.

Episode Links:

Mark’s Money Mind YouTube Channel

Beyond the Basics ACA Subsidy Reference Chart - Coverage Year 2025

Beyond the Basics ACA Subsidy Reference Chart - Coverage Year 2026

Tax Planning To and Through Early Retirement

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As an Amazon Associate this show earns income from qualifying purchases. Affiliate links do not increase your costs, and we will only link to products or services that we are familiar with and that we feel may deliver value to you. The modest income received from affiliate links helps support the cost of running and managing this show.

In this episode Mark shares his personal approach to fourth quarter income and tax planning. He explains the benefit of using a one-page financial plan and discusses strategies for Roth IRA conversions, tax planning, handling required minimum distributions (RMDs), and navigating the Affordable Care Act's (ACA) advanced premium tax credits. 

Mark provides detailed insights into social security benefits for survivors, including his own experience claiming benefits at age 60. He also touches on maintaining liquidity, setting up automatic monthly 'paychecks' from investment accounts, and the implications of income on Medicare insurance premiums. 

This comprehensive episode is a great listen for anyone looking to optimize their financial situation as we head toward year’s end.

Episode Links:

Mark’s Money Mind YouTube Channel

DinkyTown Tax Calculator

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In this heartfelt episode, Mark dedicates this show to his late niece Emily, sharing valuable lessons from her life and how they align with the principles of Financial Independence (FI). Mark recounts Emily's prudent financial decisions, like investing early, living frugally, and finding joy in repurposing items. 

He highlights her strategic choices in education, transportation, and home buying—all quintessential FI practices. Emily’s approach to financial independence emphasized enjoying life in the present while preparing for the future, providing a poignant example that motivates listeners to balance saving with life experiences. 

This episode also underscores the importance of shared experiences with loved ones, echoing the principles from the book 'Die With Zero.' Tune in for a touching tribute to Emily and insightful takeaways on living a fulfilling life while pursuing financial freedom.

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In this live recorded episode Mark and co-host Kevin Sebesta welcome a variety of guests from CampFI Rocky Mountain Week 3 in Colorado Springs. 

The show begins with an engaging conversation with Scott, a physician assistant, and his daughter Zoe, who share their journey towards Financial Independence (FI) and the life experiences that shaped their financial decisions. 

The episode also features Lauren, a former federal employee who discusses her career transition and personal growth journey. Key themes include the value of early financial education, the significance of sabbaticals, and the power of community in achieving financial goals. Lauren emphasizes living intentionally, exploring new opportunities, and overcoming fears, all while navigating the path to financial freedom.

Episode Links:

Mark’s Money Mind YouTube Channel

CampFI

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In this episode Mark is joined by tax expert Sean Mullaney, CPA live from CampFI in Colorado Springs. They dive into the recent changes brought by the new tax legislation, the One Big Beautiful Bill Act (OBBBA), signed into law on July 4th. 

Key topics include permanent tax rates, increased standard deductions, higher child tax credit, new personal exemptions for seniors, potential future tax adjustments, and expanded eligibility for HSA contributions under ACA plans. 

They also discuss strategic tax planning for early retirees and Sean’s upcoming book on tax planning co-authored with Cody Garrett, CFP®.

Episode Links:

Mark’s Money Mind YouTube Channel

FI Tax Guy blog

Sean Mullaney YouTube channel

U.S. Code § 36B - Refundable credit for coverage under a qualified health plan

Tax Planning To and Through Early Retirement

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This show is for education and entertainment purposes only and should not be considered investment, tax, or legal advice. Please consult the appropriate advisor or advisors before implementing anything you hear on this show or any other show for that matter.

Mark, his guests, and the Mark’s Money Mind show do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services.

In this episode of the Mark's Money Mind show, host Mark Trautman, along with co-host Kevin Sebesta, speak live from CampFI Rocky Mountain about various aspects of the Financial Independence / Retire Early (FIRE) journey. 

They welcome guests from different stages of the FI process, including Alison, who is in the discovery stage, and Camille and Daryl, who are in the mindful middle of their journey. Additionally, Darren and Jolene, who have graduated past the FI finish line, discuss how they manage their finances post-retirement, specifically focusing on strategies like the 72T distribution. 

The episode underscores the importance of community support, planning, and adaptability in achieving financial independence and designing a fulfilling post-retirement life.

Episode Links:

Mark’s Money Mind YouTube Channel

CampFI

The Mindful Middle | Episode 018

How to Money podcast

ChooseFI podcast

The Millionaire Next Door: The Surprising Secrets of America’s Wealthy

The House Hacking Strategy: How to Use Your Home to Achieve Financial Freedom

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As an Amazon Associate this show earns income from qualifying purchases. Affiliate links do not increase your costs, and we will only link to products or services that we are familiar with and that we feel may deliver value to you. The modest income received from affiliate links helps support the cost of running and managing this show.

In this episode Mark shares his comprehensive approach to a semi-annual financial review. Covering essential personal finance practices, Mark outlines steps for calculating net worth, tracking spending, evaluating annual achievements against the one-page financial plan, and preparing for future financial goals. 

Mark provides insights on Roth conversions, social security benefits, and his personal experiences with major expenses. Additionally, he discusses the importance of regular updates to estate planning documents and beneficiary designations.

This episode is a deep dive into detailed financial oversight practices aimed at maintaining and enhancing financial freedom.

Episode Links:

Mark’s Money Mind YouTube Channel

The Financial Starting Line – Net Worth, 529 to Roth IRA and Q&A | Episode 003

New Year Financial Planning | Episode 039

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In this episode Mark discusses significant updates to the Capital One Venture X and Chase Sapphire Reserve credit cards, affecting lounge access, benefits and annual fees. 

He elaborates on how these changes will impact frequent travelers, comparing the benefits and drawbacks of both cards, and considers whether to keep or cancel these cards in light of the updates. 

He also touches upon potential changes coming to the American Express Platinum card and discusses how he may proceed in navigating these changes.

If you would like your question answered on the show, please send an email to [email protected] and put “podcast question” in the subject line.

Episode Links:

Mark’s Money Mind YouTube Channel

Capital One Set to Change Lounge Access Policies

Introducing the New Couponified Chase Sapphire Reserve

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In this episode Mark delves into his personal approach to post-retirement asset allocation, expanding on a discussion from his appearance on the BiggerPockets Money podcast. Mark shares his journey from a 100% equities portfolio during his accumulation years to his current 80% equity and 20% fixed income allocation. 

He explains the rationale behind this transition, influenced by various strategies and personal research, while emphasizing the importance of understanding one's risk tolerance and risk capacity. Mark also explores the different components of his portfolio, including his preference for ETFs and the usage of short-term treasuries. 

This episode aims to provide insight by example for those nearing or in retirement, while stressing the need for individualized financial planning.

If you would like your question answered on the show, please send an email to [email protected] and put “podcast question” in the subject line.

Episode Links:

Mark’s Money Mind YouTube Channel

BiggerPockets Money Podcast | Life After Fire

Reply on Your Investment Policy Statement During Rocky Markets | Episode 040

Simple Path to Wealth by JL Collins (Revised & Expanded 2025 Edition)

Early Retirement Now - Safe Withdrawal Rate Series

Retirement Answer Man podcast

Retirement & IRA Show - Our Retirement Philosophy and Approach, Condensed Version: EDU #2508

Berkshire Hathaway Shareholder Letter 2013

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As an Amazon Associate this show earns income from qualifying purchases. Affiliate links do not increase your costs, and we will only link to products or services that we are familiar with and that we feel may deliver value to you. The modest income received from affiliate links helps support the cost of running and managing this show.

Mark shares insights on achieving financial independence and preparing the next generation for financial freedom. Returning from his trip to French Polynesia and Hawaii, Mark delves into strategies for setting up children and the next generation for financial success using Roth IRAs, 529 plans and custodial accounts. 

He also answers a listener's question about whether to contribute to a Traditional 401k, Roth 401k or Roth IRA. The episode concludes with Mark reflecting on Warren Buffett's retirement and the power of compounding growth.

If you would like your question answered on the show, please send an email to [email protected] and put “podcast question” in the subject line.

Episode Links:

Mark’s Money Mind YouTube Channel

The Wonder of Compounding | Episode 011

Berkshire Hathaway 2025 Annual Meeting: Morning Session

Berkshire Hathaway 2025 Annual Meeting: Afternoon Session

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