David is in the studio this week and there is a lot to discuss out of DC - the announcement of a buyout for federal employees, a potential push on interest rates from the White House and what Fed Chair Jerome Powell shared on Wednesday.

David will also review last week in the markets, including a "black swan" event related to AI.

There's also conversation on gold, inflation and taxes - the season has begun, and David will dive into income tax as well as sales tax, usage tax and more. 

David is on the road this week, so Doug Hughes and Jim Inman are in the studio with the first Question-and-Answer Show of 2025. There are a variety of questions planned for this episode on transferring funds from a 529 college plan to another beneficiary, Health Savings Accounts (HSAs), the new Windfall Elimination Provision, 2025 catch-up updates on investment accounts and a few questions on IRAs.

How else would you spend your birthday but hosting a radio show? It's David's birthday on Thursday and he will kick things off with Rod Holloway and a market update - what's happening in the bond market right now?

Also there's been a lot of talk on the Social Security Windfall Elimination Provision and the Government Pension Offset... David will talk about those programs and how they could impact families.

David will also discuss new 401k provisions occurring in 2025 and reducing retirement savings regrets. Tune in for the birthday fun!

Have you ever thought about the best way to withdraw from your savings? This week David looks at a recent New York Times article that has some things right... and some that he will discuss on the show. 

Plus... is 100 really the new 70? It's not hard to believe that more people are living longer lives - and many are staying healthy for most of those years. David will talk about optimism in retirement and bring some of the things to the show that you might need to hit the century mark. Plus - Ten Themes for 2025 - some great reading ideas for those looking for book suggestions!

For the first show of 2025... David is in the studio along with Rod Holloway and Doug Hughes. The trio will have a recap of 2024, looking at what was expected for the year and what actually occurred - plus a discussion on government spending and what may be coming under the new administration. 

David and Doug will take a look at some of the things no one tells you about retirement - that it may not be the vacation lifestyle that is often portrayed in commercials and social media. 

Start your year off with David, Rod and Doug this week! 

It's a tradition... for the last show of the year, David brings back his very first guest on the show more than 20 years back - his dad, Jerry Hays! David and Jerry will talk about the "rewirement" in retirement discussed last week, as Jerry retired from banking this year and his reentering a new chapter - working in real estate. They will also talk about managing physical and mental health in retirement... plus there's likely to be a good fishing story or two added in!

This is a favorite episode for David - you'll hear, and feel, a lot of love in this one.

He's making his list and checking it twice! David is in the studio this week with some of the things you need to take care of before the end of 2024 - 529 contributions, qualified charitable distributions, 529 plan contributions and more. 

David will also take a look at the year and how retirement has evolved into a "rewirement" for many individuals. Plus, a look at the upcoming great wealth transfer from Baby Boomers to their children... what's going to happen in the coming years? David will share his thoughts and more. 

David is back in the studio this week, welcoming Andy Ives, CFP and IRA Analyst with the Ed Slott Advisor Group. Andy has been quoted in The Wall Street Journal and USA Today, as well as contributed articles for TheStreet.com, and David is excited to bring him to the show.

There is much to discuss - understanding how IRA beneficiaries are paid, why a required minimum distribution (RMD) must be satisfied before doing a Roth IRA conversion, the timing of Roth conversions and what Andy and the Ed Slott team anticipate in in 2025. It's an hour full of great information - tune in and enjoy! 

This week Doug Hughes and Jim Inman are in the studio talking about the Sandwich Generation - adults who are simultaneously caring for both their aging parents and their own children.

These people are balancing work, childcare, eldercare and their own financial needs while stretching across three generations... Doug and Jim will have some tips for these individuals - how to care for aging parents, supporting adult children and balance your own financial health in the process. This may be a situation you're familiar with - be sure to tune in for some insight and help.

On a special Saturday-only episode (because of Thanksgiving)... One of the important Presidential election topics was healthcare - did you know that you may be able to keep your adult children, under the age of 26, on your Health Savings Account (HSA)?

Also - how would you answer this question - would you rather retire early, or retire rich? There's a lot to think about here... David has some thoughts for listeners to consider.