It's our annual catch-up with one of the wisest financial minds we know, Cullen Roche, an economist, author, and founder and chief investment officer of the Discipline Funds, a low-fee advisory firm. We talk inflation, what the Fed might do next, fixed income, residential real estate and deflationary credit events.

• Cullen Roche
• Meridian Wealth Management
• 403bwise.org

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 love a quality, bidded, single-vendor 403(b) plan. Fiduciary planner Mychal Eagleson CFP® shares three examples where school districts did single vendor very wrong.

• Teach Plan Retire
• Episode 5 of Learned by Being Burned - School benefits official explains how he took a school district single vendor (the right way).
• Meridian Wealth Management
• 403bwise.org

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

James Lange is a CPA, an attorney, and an author. His most recent book, Retire Secure for Professors and TIAA Participants was released this month. Scott describes the book as a Master Class in estate and retirement planning.

• Link for listeners to get a free electronic copy of book: https://faculty-advisor.com/teach/ note: Once you click link, fill in your name and email address, you will receive an email with a link which will generate a pdf download.
• About Jim
• Meridian Wealth Management
• 403bwise.org

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

Bree Lee is a Bay Area math teacher who runs an impressive fin lit Instagram account (@ritual_finance) where she posts the basics, the more complex, the workings of the CalSTRS pension and her own paycheck breakdown, monthly budget, and growing net worth.

• Ritual Finance on Instagram
• Bree's Money Guide for CalSTRS Members
• Quit Like a Millionaire
• Arbitrary Lines: How zoning broke the American city and how to fix it.
• Meridian Wealth Management
• 403bwise.org

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

Teacher-turned planner, Justin Garritt goes deep on student loans including sharing an important deadline (December 31, 2023) for those looking to get maximum value out of PSLF (Public Service Loan Forgiveness).

• Garritt Financial Solutions
• Teacher/Travel Hacker Turned Fiduciary
• Happy Travel Hacker
• Meridian Wealth Management
• 403bwise.org

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 talks TIPS (Treasury Inflation-Protected Securities), and the dramatic rise in their real rate of return.

• TIPS
• Meridian Wealth Management
• 403bwise.org

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

403bwise Facebook Group reaches a Taylor Swift-like milestone. New Jersey school district throws teachers under the bus.

• 403bwise Facebook Group
• New Jersey District Throws Teachers Under the Bus
• Meridian Wealth Management
• 403bwise.org

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

Lily Katz of Redfin News discusses the recent story she co-wrote with her colleague Sheharyar Bokhari, Redfin Senior Economist, called: The Typical Teacher Can Afford Just 12% of Homes for Sale Near Their School, Down From 30% in 2019

• The Typical Teacher Can Afford Just 12% of Homes for Sale Near Their School, Down From 30% in 2019
• The Price of 403(b) Enrollment
• Lily Katz
• Meridian Wealth Management
• 403bwise.org

Scott reveals the dirty little secret about K-12 403(b) enrollment: it's a loss leader which incentivizes agents to upsell.

• The Price of 403(b) Enrollment
• School Benefits Official Who Did the Right Thing (from the Learned by Being Burned pod series)
• Transcript for pod about School Benefits Official Who Did the Right Thing
• Meridian Wealth Management
• 403bwise.org

Dan and 403bwise community honored by InvestmentNews. We tell the 403bwise origin story.

• How a Former Teacher is Educating the World About 403(b)s
• An Annuity for the Teacher — and the Broker (New York Times)
• 403bwise in 2000
• Paying for College with Ron Lieber (podcast)
• Meridian Wealth Management
• 403bwise.org