Our guest today recently passed the 7-hour, 170-question CFP exam. Additionally, he runs a fin lit website that helps educators teach personal finance and he also operates a robust personal finance YouTube site called Easy Peasy Finance that has close to 46,000 subscribers. I should mention he started making fin lit videos at age 7 and he passed the CFP exam at age 16. He is now 17.

• Video of Podcast
• Easy Peasy Finance
• Easy Peasy YouTube Channel
• 403bwise.org
• 457bwiser.org
• Learned by Being Burned (short pod series about K-12 403(b) issues)
• Meridian Wealth Management
• 403bwise & 457bwiser Facebook Group

Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

We walk through all the free resources 403bwise offers. This episode may best be experienced through the video link.

• Video of Podcast
• 403bwise.org
• 457bwiser.org
• Learned by Being Burned (short pod series about K-12 403(b) issues)
• Meridian Wealth Management
• 403bwise & 457bwiser Facebook Group

Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Scott tackles questions on: withdrawing money from a 403(b) plan at age 59 1/2; quality of Lincoln National Life Group and Plan Member Services 403(b) offerings; time it takes for a 403(b) rollover to Vanguard IRA; the Ohio Deferred Comp 457(b) plan; best choice for Vanguard settlement fund.

• Video of Podcast
• 457bwiser.org
• Learned by Being Burned (short pod series about K-12 403(b) issues)
• 403bwise.org
• Meridian Wealth Management
• 403bwise & 457bwiser Facebook Group

Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

We speak with two late-start savers who are now either retired or soon to be retired. One never made more than $100,000 a year and one is an emergency room doctor.

• Catching Up to FI
• F.I.R.E. for Dummies
• 403bwise/457bwiser Facebook Group
• 457bwiser.org
• Learned by Being Burned (short pod series about K-12 403(b) issues)
• 403bwise.org
• Meridian Wealth Management
• 403bwise & 457bwiser Facebook Group

Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Lincoln Investment's RetirementSolutions Participant Directed Account has long been the only low-cost 403(b) option for teachers, especially in New Jersey. All of that is going away. Pittsburgh teacher Adam Holy, who fought to get the Participant Directed Account available years ago, discusses what loss of this option will mean in his district. Scott offers some fixes for districts losing this low-cost option.

• Pittsburgh Teacher Gets Low Cost Option (pod with Adam)
• When Bad Vendors Offer Good Choices
• 403bwise/457bwiser Facebook Group
• Pittsburgh School District 403(b) Choices
• Learned by Being Burned (episode 3)
• 457bwiser.org
• Learned by Being Burned (short pod series about K-12 403(b) issues)
• 403bwise.org
• Meridian Wealth Management
• 403bwise & 457bwiser Facebook Group

Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

A Riverside, California teacher was interested in learning about a 403(b). He met with a NLG sales agent via Zoom. Suddenly forms were filled out and electronically signed.

• Video of episode
• Riverside Unified School District 403(b) Vendor List
• 403bwise/457bwiser Facebook Group
• 457bwiser.org
• Learned by Being Burned (short pod series about K-12 403(b) issues)
• 403bwise.org
• Meridian Wealth Management
• 403bwise & 457bwiser Facebook Group

Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

We all like individualism but individual 403(b) contracts make it difficult for school districts to reform their 403(b) plan. There is a solution.

• Recipe for Going Single Vendor (Learned by Being Burned Episode 5)
• Individual Plans vs Group Contracts Explainer
• 403bwise/457bwiser Facebook Group
• 457bwiser.org
• Learned by Being Burned (short pod series about K-12 403(b) issues)
• 403bwise.org
• Meridian Wealth Management
• 403bwise & 457bwiser Facebook Group

Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

With vendors like Equitable and National Life Group, what could go wrong?

• Watch video version
• ASBO "Model" 403(b) Plan
• Choice Still Matters — Bringing Clarity to the Modern 403(b) Landscape
• 403bwise/457bwiser Facebook Group
• 457bwiser.org
• Learned by Being Burned (short pod series about K-12 403(b) issues)
• 403bwise.org
• Meridian Wealth Management
• 403bwise & 457bwiser Facebook Group

Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Scott tackles July Facebook Group questions. Topics include rolling over a 403(b) when leaving a job; Moving from Equitable to Aspire; Roth IRA vs. Roth 403(b); Performing a 403(b) exchange to a CalSTRS P2 403(b); and What to do with a 403(b) upon retirement.

• Watch video version
• Barb O'Neill columns
• How to Use Aspire Non-Advisor Option
• 403bwise/457bwiser Facebook Group
• 457bwiser.org
• Learned by Being Burned (short pod series about K-12 403(b) issues)
• 403bwise.org
• Meridian Wealth Management
• 403bwise & 457bwiser Facebook Group

Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

A $300,000 political donation by Security Benefit was the subject of a recent Bloomberg News investigation. We discuss.

• Source article: Billionaire Boehly's Allies Donated Heavily to Kansas Insurance Regulator
• 457bwiser.org
• Learned by Being Burned (short pod series about K-12 403(b) issues)
• 403bwise.org
• Meridian Wealth Management
• 403bwise & 457bwiser Facebook Group

Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).