Civility and respect are top of mind in this debut of The Next Us podcast – connecting the community, finding the best in ourselves, and finding our way through 2023 and beyond.

Co-Hosts:

• Judy Pearring, Aspiring Inquisitor as the Creativity Curator of The Next Us.
• Dave Gardner, chief podcast guru at the Studio 809 community podcast collective.

 The agenda includes:

• Fear, insecurity and possessions
• What brought Dave to the table, as community podcast guru
• Chris Christie’s “respect” moment at the most recent GOP debate
• Colorado Governor Jared Polis’ new “road map” for affordable housing, transit and climate

Mentioned in this Episode:

Vitality Tour at The Next Us – Public Invited

January 10, 2024, 4 to 7 p.m.

https://fb.me/e/86ffKRrkZ

GrowthBusters: Hooked on Growth (Dave's 2011 documentary)

https://youtu.be/_w0LiBsVFBo

Recorded on December 8, 2023.

The Next Us is recorded in the Studio 809 community podcast studio at The Next Us, a professional cooperative environment for small businesses in downtown Colorado Springs.

The Next Us

https://thenextus.spaces.nexudus.com/?public&

on Facebook: https://www.facebook.com/ThenextusCO

Check out all the engaging community podcasts at https://Studio809Podcasts.com

Money should create options—not keep you up at night. 😟 In this powerful episode of Tax Answers Advisor, Marcelino Dodge, EA, talks with Sari Ibrahim, MBA and host of Thinking Like a Bank, about a different way to think about financial security, wealth-building, life insurance, retirement planning, and taxes.

Instead of relying on only one traditional path, this conversation explores how properly structured cash-value whole life insurance, retirement accounts, annuities, and thoughtful tax planning may work together to help families and business owners build more flexibility into their financial lives. 💡📈

You’ll hear about:

• 🏦 What it can mean to “think like a bank” and create financial flexibility outside of relying exclusively on traditional market investments
• 📉 Why market losses can be emotionally and financially difficult to recover from—and why risk management matters
• 🛡️ How properly structured cash-value whole life insurance may provide a more stable source of accessible capital, depending on the policy and the person’s goals
• 💰 Why policy structure matters, including cash value, paid-up additions, participating mutual insurance companies, and the ability to borrow against a policy
• 🏠 How some people may use policy loans as part of a broader strategy for real estate down payments, business opportunities, debt restructuring, or unexpected financial needs
• 🧾 Why taking money from an IRA or 401(k) for a major purchase can create income-tax consequences and possible early-withdrawal penalties
• 🌱 How whole life insurance, annuities, Roth IRAs, workplace retirement plans, and other financial tools may complement one another rather than compete
• 👨‍👩‍👧 Why employer-provided life insurance may not be enough to protect your loved ones if you change jobs, retire, or need greater coverage
• 🔄 How convertible term life insurance may offer a potential path for people who need protection now but want to consider permanent coverage later
• 🤝 Why financial, insurance, and tax decisions deserve a team of trusted professionals who understand your goals—not one-size-fits-all advice
• ❤️ How thoughtful planning can help you leave a legacy, protect your family, and feel more confident about the future

Financial planning is deeply personal. It is not just about interest rates, policies, or account balances—it is about the people you love, the business you are building, the retirement you hope to enjoy, and the peace you want to feel when life takes an unexpected turn. 🌤️

If IRS tax debt, unfiled returns, tax notices, or financial uncertainty are already creating stress in your life, you do not have to face it by yourself. A clear plan can be the beginning of relief. ❤️‍🩹

📞 Call Panther Tax Resolution at (719) 359-8789

🌐 Or visit www.taxreliefcall.com to get compassionate, non-judgmental guidance with IRS tax debt, unfiled returns, payment plans, tax resolution, and your next step toward financial peace of mind.

When you owe the IRS, the fear can feel relentless. The letters keep coming. The balance may keep growing. And late-night commercials make it sound as if there is a magical program that can wipe everything away overnight. 😟📬

In this episode of Tax Answers Advisor, Marcelino Dodge, EA, is joined by tax-resolution attorney and educator Eric Green to separate real IRS resolution options from misleading promises. Together, they explore why a thoughtful financial analysis—not an advertising slogan—is the first step toward resolving tax debt with confidence and dignity. The discussion focuses on Offers in Compromise, installment options, unfiled returns, the risks of hiding assets, and the importance of staying compliant after a resolution.

You’ll hear about:

• 🚨 Why the “IRS Fresh Start Program” is often used as a marketing phrase—even though the original 2012 initiative changed IRS collection practices rather than creating a permanent, stand-alone program
• 🤝 How an Offer in Compromise may help qualifying taxpayers settle for less than the full amount owed—but is never automatic or guaranteed
• 📊 Why your income, assets, equity, household size, health, allowable expenses, and future ability to pay all matter
• 🏠 How filing status and asset ownership can affect a tax-resolution strategy, especially for married taxpayers
• 🧩 Why you should not rush to file overdue returns or choose a payment path before understanding the potential collection consequences
• 📁 Why complete bank statements, proof of income, expense records, business financials, and asset documentation are essential in an IRS resolution case
• 💼 How self-employed individuals may need to provide current profit-and-loss information along with prior-year returns so the IRS can evaluate income realistically
• 🔍 Why hiding cryptocurrency, foreign assets, accounts, or property can turn a tax-resolution case into something far more serious
• ⏳ Why an Offer in Compromise can take time—and why patience, documentation, and continued compliance are critical throughout the process
• ✅ Why taxpayers who receive an accepted offer generally need to remain compliant with filing and payment requirements for years afterward
• ❤️ Why the goal is not simply to “make the debt disappear,” but to stop the stress, understand the facts, and create a lasting path forward

There is no shame in needing help. Tax debt can grow from a job loss, a business setback, illness, divorce, missed filings, unexpected life changes, or simply years of feeling too overwhelmed to open another IRS notice. 💔 The worst step is often doing nothing. The best first step is getting honest guidance from someone who will look at your complete picture and explain your real options.

You deserve more than a sales pitch. You deserve compassion, clarity, and a plan built around your actual life. 🌤️

📞 Call Panther Tax Resolution at (719) 359-8789 to discuss your tax situation.

🌐 Or visit www.taxreliefcall.com to take the first step toward relief from IRS tax debt, unfiled returns, liens, levies, payment plans, and overwhelming tax stress.

The end of the year can feel busy enough without worrying about taxes—but waiting until the last minute can turn uncertainty into stress. 😟 In this episode of Tax Answers Advisor, Marcelino Dodge, Enrolled Agent, shares why preparing early can help you avoid surprises, protect your records, and enter tax season with more confidence and peace of mind. 🌟

Whether you are an employee, self-employed, a small-business owner, an investor, or supporting a growing family, your 2022 tax return may be affected by changes in income, work, health insurance, family status, deductions, credits, and IRS reporting rules. 🧾📬

In this episode, you’ll hear about:

• 📁 Why organizing your documents, receipts, mileage, and business records before year-end matters
• 🏠 How marriage, divorce, a new child, a second job, or a move can affect your tax return
• 💵 Why reviewing payroll withholding and estimated tax payments may help prevent a painful balance due
• 📬 How updating your mailing address with employers, banks, retirement-plan providers, and other payers can help prevent missing W-2s and 1099s
• 📲 Why online selling and third-party payment activity may result in tax reporting documents—and why every form received should be addressed
• ❤️ Why your 2022 refund may look different from prior years as temporary pandemic-era credits and payments ended
• 🎁 What to remember when documenting charitable contributions, especially significant noncash donations
• 🚗 Why accurate mileage logs and third-party documentation can help support business vehicle deductions
• 👥 Why worker classification matters for business owners paying employees or independent contractors
• 🏦 How foreign accounts, inherited IRAs, retirement contributions, S-corporation basis, and business recordkeeping can create important tax-planning questions
• 🔐 Why safeguarding personal and tax information is part of protecting your financial future

Tax planning is not just about filling out forms—it is about protecting the life, family, business, and future you are working so hard to build. ❤️ The earlier you get organized, the more time you have to ask questions, make informed decisions, and avoid unnecessary tax-time panic.

If you are behind on filing, worried about IRS notices, or feeling overwhelmed by tax debt, please do not wait until the pressure becomes unbearable. You deserve a clear plan and compassionate, non-judgmental guidance. 🌤️

📞 Call Panther Tax Resolution at (719) 359-8789

🌐 Or visit www.taxreliefcall.com to get help with unfiled tax returns, IRS notices, tax debt, payment plans, Offers in Compromise, and steps toward lasting peace of mind.

Tax stress can feel overwhelming—especially when you are facing unfiled returns, confusing IRS notices, growing balances, or uncertainty about what comes next. 😟 In this episode, Enrolled Agent Marcelino Dodge shares practical lessons from a challenging tax season and explains why proactive planning, accurate records, and experienced guidance can make a meaningful difference.

You will hear about:

• 💰 Why pandemic-era tax benefits and credits changed—and how those changes may affect your refund or tax bill
• 📋 The importance of keeping strong business records, including mileage logs, receipts, bank statements, and reconciled books
• 🚗 How missing documentation can put legitimate vehicle and business deductions at risk
• 🧮 Why reviewing withholding and estimated tax payments during the year can prevent an unpleasant surprise at filing time
• 🏢 What business owners should verify: filed returns, payroll reports, sales-tax compliance, and accessible copies of all tax documents
• 🔐 Why the security of your sensitive tax and financial data matters when selecting a tax professional
• 🤝 How working with a year-round tax professional can help you make informed decisions before starting a business, selling assets, taking retirement distributions, or falling behind on filings

Ignoring an IRS notice or overdue tax return rarely makes the problem disappear. Penalties and interest can grow, and unresolved balances may lead to collection action such as levies, liens, or wage garnishments. 😣 But there may be a path forward—with a clear review of your IRS account, a plan to become compliant, and the right resolution strategy for your circumstances.

You do not have to carry the weight of tax problems alone. ❤️

📞 Call Panther Tax Resolution at (719) 359-8789 to discuss your tax situation.

🌐 Or visit www.taxreliefcall.com to take the first step toward relief, compliance, and peace of mind.

When IRS notices, back taxes, unfiled returns, wage garnishments, bank levies, or tax liens begin taking over your life, it can feel like there is no way out. 😟💔 The stress can follow you to work, sit beside you at the dinner table, and keep you awake at night.

But an IRS tax problem does not have to define your future. In this episode of Tax Answers Advisor, Enrolled Agent Marcelino Dodge discusses the IRS Fresh Start approach and the possible resolution paths that may help taxpayers move from fear and confusion toward clarity and relief. 🌤️🧾

You’ll hear about:

• 📬 Why opening IRS mail and taking action promptly can make a meaningful difference
• 📝 Why filing all required tax returns is usually the first step toward resolving an IRS balance
• 💵 How an installment agreement may allow qualifying taxpayers to make manageable monthly payments
• 🤝 When an Offer in Compromise may be worth exploring for taxpayers who cannot realistically pay their full tax debt
• ⏸️ How Currently Not Collectible status may provide temporary collection relief when paying IRS debt would create financial hardship
• 💳 Why penalty abatement may be available in certain circumstances
• 🏦 How tax liens, bank levies, and wage garnishments can affect your financial security—and why waiting can make matters worse
• 📊 Why a complete financial review of income, expenses, assets, and tax filings is essential before choosing a resolution strategy
• 🛡️ How an Enrolled Agent can communicate with the IRS and advocate for you through the tax-resolution process

There is no one-size-fits-all IRS solution. The right path depends on your real financial situation, your filing history, the amount owed, and your ability to pay going forward. But the first step is always the same: stop carrying the burden alone. ❤️

You deserve honest answers, a practical plan, and the peace of mind that comes from knowing someone is helping you face the IRS. 🌱

📞 Call Panther Tax Resolution at (719) 359-8789

🌐 Or visit www.taxreliefcall.com to explore your options for unfiled returns, IRS tax debt, payment plans, Offers in Compromise, penalty relief, levies, liens, and a true fresh start.

Tax stress can feel overwhelming—especially when you are facing unfiled returns, confusing IRS notices, growing balances, or uncertainty about what comes next. 😟 In this episode, Enrolled Agent Marcelino Dodge shares practical lessons from a challenging tax season and explains why proactive planning, accurate records, and experienced guidance can make a meaningful difference.

You will hear about:

• 💰 Why pandemic-era tax benefits and credits changed—and how those changes may affect your refund or tax bill
• 📋 The importance of keeping strong business records, including mileage logs, receipts, bank statements, and reconciled books
• 🚗 How missing documentation can put legitimate vehicle and business deductions at risk
• 🧮 Why reviewing withholding and estimated tax payments during the year can prevent an unpleasant surprise at filing time
• 🏢 What business owners should verify: filed returns, payroll reports, sales-tax compliance, and accessible copies of all tax documents
• 🔐 Why the security of your sensitive tax and financial data matters when selecting a tax professional
• 🤝 How working with a year-round tax professional can help you make informed decisions before starting a business, selling assets, taking retirement distributions, or falling behind on filings

Ignoring an IRS notice or overdue tax return rarely makes the problem disappear. Penalties and interest can grow, and unresolved balances may lead to collection action such as levies, liens, or wage garnishments. 😣 But there may be a path forward—with a clear review of your IRS account, a plan to become compliant, and the right resolution strategy for your circumstances.

You do not have to carry the weight of tax problems alone. ❤️

📞 Call Panther Tax Resolution at (719) 359-8789 to discuss your tax situation.

🌐 Or visit www.taxreliefcall.com to take the first step toward relief, compliance, and peace of mind.

An IRS balance can feel like a weight on your chest—especially when notices keep arriving, penalties and interest continue to grow, and you are unsure how you will ever pay what you owe. 😟📬 But owing the IRS does not mean you are out of options.

In this episode of Tax Answers Advisor, Enrolled Agent Marcelino Dodge explains the IRS Offer in Compromise program: a potential path for qualifying taxpayers to settle tax debt for less than the full amount owed. 🧾🤝

You’ll learn:

• 💔 Why ignoring IRS debt can make a difficult situation even more stressful
• 🕰️ How the IRS collection timeline and 10-year collection statute can affect your case
• 🧮 What the IRS considers when evaluating an Offer in Compromise, including income, allowable living expenses, assets, and future earning ability
• 🏠 Why equity in your home, vehicles, bank accounts, retirement funds, and other assets can affect an offer
• 📋 Why you generally must be current with required tax filings and estimated payments before submitting an offer
• 💵 The difference between lump-sum cash offers and periodic-payment offers
• ⚠️ Why submitting an offer without a complete and accurate financial analysis can create delays, disappointment, or rejection
• 🌱 How alternatives—including installment agreements, currently-not-collectible status, penalty abatement, and other resolution strategies—may be more appropriate in some situations

An Offer in Compromise is not a magic eraser, and it is not right for everyone. But for the right taxpayer, it can be a chance to step out from under overwhelming tax debt and begin rebuilding financial stability. ✨ You deserve honest answers, a clear strategy, and someone who will help you understand the options available to you.

Don’t let fear keep you frozen while IRS penalties, interest, levies, liens, or wage garnishments threaten your peace of mind. 📉 Take the first step toward understanding your options today. ❤️

📞 Call Panther Tax Resolution at (719) 359-8789

🌐 Or visit www.taxreliefcall.com to request help with unfiled returns, IRS tax debt, payment plans, Offers in Compromise, and other tax-resolution solutions.

Your tax return holds more than numbers—it holds your identity, your financial life, your family’s information, and the trust you place in the professional preparing it. 🧾💔 In this important episode of Tax Answers Advisor, Marcelino Dodge, Enrolled Agent, talks with cybersecurity expert Alvion Legal of ABL Computers about protecting personal and business tax information from today’s growing “cyberstorm.”

A data breach can happen faster than most people realize. One rushed click, suspicious attachment, fake email, weak password, or careless social-media post can open the door to criminals looking for sensitive information. 😟📧

In this episode, you’ll learn:

• 🕵️ How cybercriminals use social engineering and emotional pressure to manipulate people
• 📩 Why urgent-looking emails, links, and attachments can be dangerous—even when they appear legitimate
• 🚫 Why a “no-click” policy and secure document portal can help protect sensitive tax documents
• 📱 How social-media posts can reveal more than you intended, including travel patterns and personal details
• 🔒 Why strong passwords, password managers, two-factor authentication, backups, and secure systems matter
• 🗄️ Why physical security matters too: tax returns, Social Security numbers, and client files should never be left exposed
• ✅ Questions every taxpayer should ask before choosing a tax professional, including how they protect client data and whether they carry cybersecurity liability insurance

Choosing a tax professional should never be based on price alone. Your personal information deserves protection, care, and a professional who understands that your trust is not something to take lightly. ❤️‍🩹

If unresolved tax problems, unfiled returns, IRS notices, or tax debt are already keeping you awake at night, you deserve a clear path forward—and a team that takes your privacy seriously. 🌟

📞 Call Panther Tax Resolution today at (719) 359-8789

🌐 Or visit www.taxreliefcall.com to take the first step toward tax relief, protection, and peace of mind.

Tax stress can feel overwhelming—especially when you are facing unfiled returns, confusing IRS notices, growing balances, or uncertainty about what comes next. 😟 In this episode, Enrolled Agent Marcelino Dodge shares practical lessons from a challenging tax season and explains why proactive planning, accurate records, and experienced guidance can make a meaningful difference.

You will hear about:

• 💰 Why pandemic-era tax benefits and credits changed—and how those changes may affect your refund or tax bill
• 📋 The importance of keeping strong business records, including mileage logs, receipts, bank statements, and reconciled books
• 🚗 How missing documentation can put legitimate vehicle and business deductions at risk
• 🧮 Why reviewing withholding and estimated tax payments during the year can prevent an unpleasant surprise at filing time
• 🏢 What business owners should verify: filed returns, payroll reports, sales-tax compliance, and accessible copies of all tax documents
• 🔐 Why the security of your sensitive tax and financial data matters when selecting a tax professional
• 🤝 How working with a year-round tax professional can help you make informed decisions before starting a business, selling assets, taking retirement distributions, or falling behind on filings

Ignoring an IRS notice or overdue tax return rarely makes the problem disappear. Penalties and interest can grow, and unresolved balances may lead to collection action such as levies, liens, or wage garnishments. 😣 But there may be a path forward—with a clear review of your IRS account, a plan to become compliant, and the right resolution strategy for your circumstances.

You do not have to carry the weight of tax problems alone. ❤️

📞 Call Panther Tax Resolution at (719) 359-8789 to discuss your tax situation.

🌐 Or visit www.taxreliefcall.com to take the first step toward relief, compliance, and peace of mind.