The Financial Quarterback® Podcast with Josh Jalinski

How do you navigate the new RMD rules without paying hefty penalties? Josh deep dives into Required Minimum Distributions (RMDs) and their impact on your retirement plan, especially as new regulations from the SECURE 2.0 Act kicked in for 2024. With RMDs now beginning at age 73, Josh explains the critical deadlines to watch and the strategies that can help you minimize tax burdens.

Josh covers the severe 50% excise tax penalty for missed RMDs and offers practical ways to avoid it, like setting up automatic distributions and understanding the Required Beginning Date (RBD). He explores opportunities for Roth IRA conversions after fulfilling RMD obligations and highlights the importance of handling inherited IRAs correctly to prevent unexpected tax hits for your beneficiaries.

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We’re live, and Josh is diving into the week’s biggest financial shifts, from Bitcoin’s explosive climb toward $100,000 to Warren Buffett’s surprising cash strategies. With Gary Gensler stepping down as SEC Chairman, Josh unpacks what this means for crypto regulations and institutional adoption, offering his take on the shifting landscape. Josh also takes listener calls on a range of topics, breaking down Target’s earnings slump, Walmart’s consumer trends, Social Security updates, inheritance planning, and holiday spending dilemmas.

Original Air Date: November 23, 2024

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How does money really shape election outcomes? Josh breaks down the financials of the 2024 election, comparing Kamala Harris’s hefty campaign spending and debt with Donald Trump's cost-conscious approach. He dives into how candidates harnessed—or in some cases, missed—opportunities on social media and podcasts, transforming traditional campaigning.

Then, in Extra Points, Josh looks into the story of how the satirical website The Onion acquired Alex Jones's Infowars domain—and why this unexpected twist has the internet talking. Plus, stick around until the end of the episode where Josh shares an important warning about the surging crypto market—and why buying in at the peak could be a costly mistake.

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We’re live, and Josh is talking about the financial shifts of the week, unpacking how recent political upheavals could influence the markets. As firms like Goldman Sachs put out their forecasts, Josh shares his own take, using past data to make sense of it all. He also takes listener calls, exploring topics from the impact of the new presidential cabinet on economic policies to the role of Bitcoin in today’s financial landscape and strategies for protecting your retirement from unexpected tax hits.

Original Air Date: November 17, 2024

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Ever wondered how sports gambling stacks up against traditional investing when it comes to your financial future? Josh breaks it all down, exploring the skyrocketing popularity of sports betting since the Supreme Court’s 2018 ruling. He dives into the legal and financial landscape that’s made gambling a trillion-dollar industry and reveals the dangers that lie beneath the thrill of high-stakes wagers.

Josh offers a sobering yet balanced view of the impact sports gambling can have on savings and long-term financial goals, warning of its potential to drain wealth rather than build it. He champions responsible betting practices and explains why informed investing—like choosing index funds over gambling—is a more secure path to lasting wealth. From examining the societal effects of online betting to offering savvy tips for keeping finances on track, Josh invites you to think beyond the rush of placing bets and prioritize your financial well-being.

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Original Air Date: July 15, 2023

Ever wondered how to future-proof your finances in an economy with rising taxes and the gig economy booming? In this episode from The Financial Quarterback Radio Show Archives, Josh sits down with Edward Collins, an influential figure in wealth management and business strategy. From an early career in the United States Department of Justice to founding a multi-state financial planning practice and co-creating Uplevel, a platform designed to empower entrepreneurs, his strategies are helpful for business owners today. As more people pivot to entrepreneurship and face evolving tax regulations, Collins’s expertise in reducing tax liabilities and maximizing cash flow is more important than ever.

Josh and Edward dive into a lively discussion about the challenges and opportunities of today’s financial landscape. Edward opens up about his shift from government work to building a successful wealth management business, revealing key lessons on structuring your finances for optimal tax efficiency. The conversation takes a turn as they break down why focusing on free cash flow rather than income is essential, especially in the evolving gig and freelance economy. Edward also shares his insights on how entrepreneurs can use social media to grow their brand and create value-driven content, all while protecting their assets through strategic entity formation.

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Are you following financial idols who might be leading you astray? Josh dives into the dangers of putting blind faith in financial gurus, dissecting the hype around popular figures and influencers on platforms like TikTok and YouTube. He breaks down common myths and misleading advice, from claims like “cash is trash” to extreme debt strategies, and emphasizes the importance of critical thinking in today’s influencer-driven financial world.

The episode kicks off with a quick update on producer Fisher’s cat, Biggie Smalls, and an expensive vet scare, serving as a real-life example of why financial preparedness matters. From there, Josh analyzes advice from financial heavyweights like Warren Buffett, Robert Kiyosaki, and Dave Ramsey, offering strategies to assess the credibility of financial guidance.

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Original Air Date: February 17, 2017

Ever wonder how mounting national debt could impact the future of the U.S. economy? In this episode from the archives, Josh Jalinski sits down with renowned economist Peter Schiff to unpack the growing debt crisis and its potential long-term effects—an issue that feels more relevant than ever in today’s economic climate. With inflation still a pressing concern and the national debt continuing to rise, Schiff’s insights into the dangers of low interest rates and excessive government spending serve as a critical wake-up call.

The conversation explores global economic trends, including the challenges facing the U.S. economy and the potential fallout from unsustainable fiscal policies. Schiff also shares his strategic advice, recommending a shift toward gold and international markets to safeguard against potential market volatility. With his sharp contrarian insights, Schiff critiques government policies and advocates for free-market principles as the best path forward.

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Is the American Dream still within reach, or has the price tag spiraled out of control? Josh breaks down the jaw-dropping $3.4 million it now costs to achieve the classic American Dream, from weddings and homeownership to raising kids and even owning pets. Josh challenges the traditional view, asking if we should redefine success in today’s world of skyrocketing costs and financial stress. Along the way, he shares practical tips to help you reshape your financial goals and manage the rising expenses of modern life.

But that’s not all—something unexpected happens toward the end of the episode that shakes up the conversation, reminding us all just how unpredictable life (and money) can be. Don’t miss it!

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Is the market heading for a crash, or can we expect a major rebound? Josh Jalinski sits down with Liz Ann Sonders, the powerhouse Chief Investment Strategist at Charles Schwab, and host of the On Investing Podcast, to get her take on where things are really heading.

Josh and Liz Ann dive into the heart of today’s economic rollercoaster. From the Federal Reserve’s rate hikes to the surprising strength of the labor market, Liz Ann breaks down what’s happening behind the headlines. They discuss why market timing is a fool's game, the psychological factors driving investor decisions, and how smart diversification can be your strongest defense.

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