As parents age — or even in your own life — there comes a point when someone may need help managing financial or health decisions. That’s where a power of attorney (POA) becomes critical.

In this episode of the Pink Money Podcast, Jerry explains:

The different types of powers of attorney (general, durable, limited, healthcare, and springing).

Why timing matters — and why waiting until a loved one is incapacitated is too late.

Common pitfalls, like banks rejecting older POAs or requiring their own forms.

The limits of a POA (valid only while someone is alive) and when executors take over.

How to avoid headaches by reviewing and updating POAs regularly.

Takeaway: A power of attorney is one of the simplest, most powerful estate planning tools — but only if you put it in place before it’s needed. Don’t wait until a crisis forces your hand.

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Jerry talks about the basics of bonds and how they related to the current debt ceiling discussions. 

In this episode, Jerry tackles the ever-present ads urging people to “buy gold for your IRA” and breaks down whether that’s really a good idea. He explains the different ways investors can gain exposure to gold and other precious metals—from physical gold bars and coins to mutual funds and ETFs—and highlights the pros and cons of each approach.

Key points include:

• Physical gold in IRAs: Allowed under IRS rules, but it must be stored with a custodian (not at home), and storage carries added costs.
• Risks of holding gold: While gold can act as a hedge against inflation and is uncorrelated with stocks, it’s also volatile and comes with liquidity and security challenges.
• Portfolio role: Experts generally suggest keeping no more than 20–30% of a portfolio in precious metals to avoid concentration risk.
• Alternative options: Mutual funds and ETFs offer easier diversification, lower storage hassles, and professional management, though at the cost of higher expense ratios (for mutual funds) or trading fees (for ETFs).
• Outside vs. inside your IRA: Jerry suggests that if you’re drawn to the beauty of gold coins or bullion, it’s probably best to hold those outside of your IRA, where you can enjoy them tangibly rather than treating them strictly as retirement assets.

Ultimately, gold can be a useful diversifier, but it’s not a “set it and forget it” solution—rebalancing and risk tolerance remain key.

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Buying a home can feel overwhelming, especially for first-time buyers. In this episode of the Pink Money Podcast, Jerry is joined by his husband Dalton for a candid conversation about mortgages—what they are, how they work, and what first-time buyers need to know before jumping in. From FHA and VA loans to credit unions, down payments, interest rates, and hidden costs like PMI, Jerry breaks down the essentials with real-life examples and practical tips. They also explore special programs like NACA that make homeownership more accessible. Whether you’re saving for your first house or just curious about how the process works, this episode will help you understand the path to turning rent payments into equity.

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In this episode of Pink Money Podcast, Jerry answers a listener’s question about how to remove a co-signer or joint owner from a car loan and title. He explains what banks look for before releasing the other party, including creditworthiness, payment history, and loan-to-value considerations. The discussion expands to practical steps like checking your credit reports, understanding credit utilization, and building a strong relationship with your bank. Jerry also highlights the importance of full coverage insurance, gap insurance, and knowing how deductibles impact your finances. Finally, he draws parallels between refinancing a car loan and refinancing a mortgage, especially in today’s high-interest-rate environment.

This episode gives you a clear roadmap for taking ownership of your vehicle—or your home loan—on your own terms.

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 In this episode of the Pink Money Podcast, Jerry breaks down the meaning behind the daily headlines about the Dow, S&P 500, and NASDAQ. He explains how each index works, why they’re tracked, and what they really mean for your portfolio. From the history of these indexes to how portfolio managers use them as benchmarks, this episode gives you a clear, practical way to understand what the market updates on the news actually tell you. 

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 In this episode of the Pink Money Podcast, Jerry covers everything you need to know about IRA contributions ahead of the April 18th tax filing deadline. He explains the difference between traditional and Roth IRAs, contribution limits, deductibility rules, and how phase-outs work based on income. Jerry also shares tips on recordkeeping, rollovers, and why keeping track of forms like 8606 and 5498 is essential to avoid being taxed twice. 

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 Jerry pushes back on claims that “wokeness” caused Silicon Valley Bank’s collapse, explaining the real issues—concentration risk, poor risk management, and the red flags raised by insider stock sales. He argues that inclusion efforts don’t sink banks—and pivots to the broader climate targeting LGBTQ+ people, from drag bans to bad-faith “groomer” smears. The episode closes with a clear call to stay informed, diversify risk, document carefully, and stand up for your community. 

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 Jerry sits down with guest David for a candid conversation on today’s political climate and LGBTQ rights—from marriage equality threats and drag-show bans to real-world safeguards like joint ownership, estate planning, and military survivor benefits. They swap stories about community backlash, book bans, and rising extremism, then pivot to practical money talk: interest rates, long car loans, financial literacy, and why trades still matter. The takeaway: stay informed, protect your rights and assets, and speak up. 

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Jerry discusses FDIC insurance 

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