1. Quotes of the Month:
   • “Saving is a very fine thing. Especially when your parents have done it for you.” – Winston Churchill
   • “I’ve got all the money I’ll ever need…if I die by four o’clock.” – Henny Youngman 
2. St. Patrick's Day by the Numbers:
   • From green outfits to festive celebrations, St. Paddy’s Day spending adds up. Here are a few statistics that show the financial side of the holiday.
3. March Financial Focus:
   • This March, we’re focusing on maximizing tax-advantaged accounts.
   • Discover actionable steps you can take to make the most of these valuable tax-saving strategies.
4. State Estate Tax Planning Part 2:
   • Explore additional planning strategies that can help preserve more of your estate from Illinois estate taxes and safeguard your legacy.

1. The Iran Conflict:
   • Quick comments on the economical impacts of this ongoing matter.
2. Retiring Outside the U.S.:
   • Retiring abroad can sound like a dream, but is the reality as simple as it seems?
3. State Estate Tax Planning Part 1:
   • How does federal estate tax differ from state estate tax?
   • What planning strategies can help minimize Illinois estate taxes?

1. Gabriel's Quick Hits:
   • What happens now after the Supreme Court’s ruling on tariffs?
   • What's the 2026 market and economic forecast?
2. February Financial Focus:
   • Take advantage of February to review your investments and sharpen your tax readiness. Here’s our step-by-step guide.
3. Controversial Financial Advice?:
   • What are the financial celebrities saying? Find out if Steve and Gabriel give it a thumbs up or down.

1. Quotes of the Month:
   • "We live by the Golden Rule. Those who have gold make the rules." - Buzzie Bavasi
   • "If you think nobody cares if you're alive, try missing a couple of car payments." - Earl Wilson
2. The Jetsons or Reality?:
   • According to this team, flying cars are already here... this has us asking, "Are we living in a sci-fi movie yet?"
3. Olympic Lessons for a Successful Retirement:
   • There are a lot of lessons to be learned about retirement when you watch the Olympics.  
   • We're highlighting the significance of optimization in financial planning, drawing parallels to athletes' precision and practice. 
4. February Financial Planning:
   • A quick introduction to our Financial Planning Calendar topics for the month of February.

1. Gabriel's Quick Hits:
   • The torch is lit, and the Winter Olympics are officially underway.
   • Groundhog Day verdicts are in! Are you Team Punxsutawney Phil or Team Woodstock Willie?
2. The Super Bowl Indicator:
   • Is your Super Bowl pick also your market prediction?
3. Listener Questions:
   • "My daughter is 12 years old and helps with work around our home. We pay her to teach her responsibility and the value of earning money. Does her work qualify as earned income and can I fund a Roth IRA for her based on that?" — Hisham
   • "I was paying $113,000 for both of my kids to go to school out east 8-10 years ago. I had two in college at the same time. Can I ask what you think of donor advised funds?"— Scott
   • "Do you consider bonds to be a good source of retirement income?"— Megan
   • "I retired three years ago thinking that my wife would be retiring soon after me. I bought a camper and everything; I’m ready to see the country. She keeps saying that we need her to work for six more months, but then when that six months is up, she says we need her to work for six more months. How do I convince her that it’s ok to retire?"— Richard

1. Gabriel's Quick Hits:
   • Just a little Fed update...
   • What do Americans think about the morals and ethical standards of these professions?
2. January is Financial Wellness Month:
   • What is financial wellness, and what does it mean for your financial future?
3. Annual Financial Planning Calendar:
   • Here's your month-by-month guide designed to help you stay organized and confident throughout the year.

1. Blast Off!:
   • A 322-foot-tall rocket is rolling into position as NASA gears up for its next big launch into orbit.
2. Inflation Grocery List:
   • How has inflation impacted everyday grocery prices? Take a look at what a recent price check at Walmart reveals.
3. Precious Metals Shining Bright:
   • Gold and silver are stealing the spotlight with record highs and major investor interest.
4. Economic Optimism?:
   • Steve is wearing his economist hat and breaking down what 2026 might have in store.

1. 2025 Podcast Stats:
   • A huge thank-you to our listeners for continuing to help Our 2 Cents grow, and we’ve got the metrics to prove it!
2. Financial New Year's Resolutions:
   • What’s top of mind for a successful year ahead?
3. Financial Lessons from a Snow Day:
   • A snow day is the perfect reminder that life (and finances) don’t always go as planned. Here are a few money lessons we can take from an unexpected day off in winter.

1. Quotes of the Month:
   • "Money is the best deodorant." — Elizabeth Taylor
   • "People who advocate simplicity have money in the bank; the money came first, not the simplicity." — Douglas Coupland
2. 2026 Money Updates:
   • Discover what's changing for retirees and pre-retirees this year.
3. 2025 Market Recap:
   • Here are 5 ways the markets surprised us in 2025.

1. Quotes of the Month:
   • "Aging seems to be the only way to live a long life." — Kitty O'Neill Collins
   • "It's better to live rich than to die rich." — Samuel Johnson
2. Retirement, Reflection, and Relationships:
   • All the "firsts" in retirement can feel like a new journey. We'll share ways to make your first retired holiday season merry and meaningful!
3. What Mattered for Your Money in 2025:
   • We're giving you a 2025 Year-in-Review, breaking down the biggest headlines from the year and sharing how they may have impacted your financial planning.

1. Best Financial Gifts for Grandkids:
   • Skip the toys this year—give your grandkids a gift that keeps on giving (literally).
2. Year-End Tax Moves:
   • Ring in the new year right by making these tax moves to help lower your 2025 bill.

1. Gabriel's Quick Hits:
   • Could this luxury handbag fund your retirement?
   • Are tariffs coming for your Christmas tree?
   • A multi-billion-dollar pledge from Michael and Susan Dell is set to impact 25 million U.S. children—here’s how.
2. Not All That Glitters Is Gold:
   • What is “shiny object syndrome?"
   • Here are financial gimmicks investors should steer clear of.

1. Quotes of the Month:
   • “I’m stuck between ‘I need to save money’ and ‘You only live once.” – Anonymous
   • “You are never too old to set another goal or to dream a new dream.” – CS Lewis
2. A Financial Thanksgiving:
   • Beyond the food and festivities, how does gratitude influence the way you save, spend, and plan?
   • The Lewits explore what Thanksgiving traditions can teach us about our financial mindset.

1. Gabriel's Quick Hits:
   • We officially say goodbye to the penny.
   • Will preparing for Thanksgiving be cheaper this year?
   • What would it take for mortgage rates to dip?
2. Pearls of Financial Wisdom:
   • Here are five key lessons we can learn from this legend of financial writing.
3. Getting to Know Steve and Gabriel:
   • What is your favorite sandwich?

1. Ways to Live Longer:
   • Want to live to 100? Start your day right with these seven morning habits that boost longevity and energy.
2. Holiday Shopping Scams:
   • The holidays are a time for giving, not for getting scammed. Be on the lookout for these scams.
3. Listener Questions:
   • "I’m holding TQQQ, with covered calls expiring in December, January, and March. What impact do you think the tariffs will have on the NASDAQ?" — John
   • "I feel like I need to get some professional help with my retirement savings, but I also don’t want somebody to tell me that I need to roll every dollar I have in my 401(k) over to some product that’s for sale. Is that just how having a financial advisor works?" — Mary

1. *Steve's* Quick Hits:
   • Fed rate cut alert!
   • U.S. national debt climbs — latest figures show continued growth.
2. Life-Changing Money:
   • What is "life-changing money"? Here's what it means to these individuals.
3. Emotions and Your Investments:
   • Do your feelings belong in your financial plan?
4. Personal Debt:
   • The Lewits give you the inside scoop about debt and how to make it work for you.

1. Your Costume Financial Persona:
   • Bold costume, bold spender? Or frugal in disguise? Let your Halloween costume reveal your money mindset.
2. AI Bubble?:
   • Is the AI buzz more of a trick or a treat? Hear what Steve and Gabriel think about all the AI boom chatter.
3. Quotes of the Month:
   • “Retirement is what you do between doctor appointments.” — Unknown
   • “The best way to teach your kids about taxes is by eating 30% of their ice cream.” — Bill Murray

1. October is Financial Planning Month:
   • The Lewits share practical tips to help you refresh and revitalize your finances this fall.
2. Money Superstitions:
   • Curious what financial folklore might be affecting your wallet?

1. Government Shutdown:
   • The Lewits break down the 5 Ws on the recent government shutdown and what this could mean for investors.
2. Spooky Trends: 
   • Halloween spending is projected to hit an all-time high this year. Will you be splurging on extra decorations?
   • Is October a scary time for the market?
   • Jumping spiders are crawling onto the scene as the hottest new pet — just in time for Halloween.
   • Discover what this little blind-box monster is all about and why everyone’s raving over it!
3. Listener Question:
   • "I spent most of my career earning a steady low six-figure salary, but after joining a startup four years ago, my income is now 3-4 times higher. I’m excited but also unsure how to manage it wisely. I don’t want to waste this opportunity. What would you recommend?" — Tom

1. Gabriel's Quick Hits:
   • Fed rate cut = big market moves ahead?
   • Can you guess the happiest state in America?
   • Major move for the Bears—get ready for their brand-new stadium in this suburb!
2. The Hidden Medicare Penalty: 
   • Get the inside scoop on IRMAA and discover strategies to reduce this often-overlooked surcharge.

1. Gold FOMO?:
   • Did you buy gold at Costco? The Lewits revisit gold prices and explore what to consider before making an investment.
2. Downsizing in Retirement: 
   • We're testing the common beliefs around downsizing to help you decide if it’s the right choice for your retirement.
3. Quotes of the Month:
   • “Always borrow money from a pessimist. He won’t expect it back.” – Oscar Wilde
   • “Money is like manure. It isn’t worth anything unless it’s spread around.” – Brooke Astor

1. The Gas Station Sushi Equivalent of Retirement Planning:
   • Some things in life are clearly risky like gas station sushi or an email from a Nigerian prince. Trust is a good thing, but in retirement planning, blind trust can be dangerous.
2. Are the Odds in Your Favor?:
   • Ever wonder how the odds of winning Powerball compare to other unlikely events?
3. Stop Doing These Things:
   • Stop the mistakes! Here are 5 crucial things Americans need to quit doing—before it’s too late.

1. Do You Know Your Retirement Numbers?:
   • Missteps in your retirement math can be costly—here’s how to catch them before they derail your future.
2. Social Security Myths:
   • Not everything you’ve heard about Social Security is true. Let’s clear up the confusion.
3. Getting to Know Steve and Gabriel:
   • Are you superstitious about anything? 
   • If you could go on a shopping spree anywhere, where would it be?

1. When a Health Crisis Hits:
   • The Lewits uncover healthcare money moves and why preparing for the unexpected is essential in retirement.
2. Fun Life Tidbits:
   • 15 minutes a day of this exercise could boost your lifespan. Can you guess what it is?
   • Think you know how to make perfect bacon? We reveal the secret.
3. Inflation Update:
   • Find out what the latest inflation data means for your finances and whether it should raise concerns about your retirement.

1. Back To School Retirement Planning Quiz:
   • Put your retirement knowledge to the test—will you score an A+?
2. Listener Question:
   • "I have approximately $1,400,000 in tax deferred accounts (401k, IRA). I want to get all of that money into a Roth via rollover within the next 2-3 years. Every person I talk with tells me to convert gradually. But, we are all one day closer to our date of passing. Don't you think I am better off doing a Roth conversion sooner and pay the taxes now rather than later?" — Scott
3. Estate Planning Report:
   • Do you have an estate plan in place? Discover what this new report reveals about investors and the truths of wealth transfer.

1. The Financial Spin on Wimbledon Wins:
   • Winning Wimbledon takes strategy and grit—just like retirement. Whether you love tennis or not, there’s plenty retirees can learn from the world’s best players.
2. This Food Makes You Happier:
   • Discover this delicious food researchers found boosts happiness and lowers stress.
3. U.S. Economy Starts to Regain Its Stride:
   • A quick look at the latest updates on consumer and business confidence, spending trends, and more.
4. Affordable Care Act Changes:
   • Learn about key ACA updates, including what’s changing, what might be ending, and how it could affect your coverage and costs.

1. Quotes of the Month:
   • “Don’t simply retire from something; have something to retire to.” – Harry Emerson Fosdick
   • “People say that money is not the key to happiness, but I always figured if you have enough money, you can have a key made.” – Joan Rivers
2. Back to Bonds Part 2:
   • Next up in this bond series, Steve and Gabriel break down the different types of bonds, explain how ratings work, and explore bond funds you should know about.
3. The Crypto Wave:
   • Recently, Congress passed the GENIUS Act, the first major U.S. crypto law, focused on regulating stablecoins.
   • Discover how new crypto bills are shaping increased regulations, even as critics raise concerns about the risks in this evolving financial landscape.

1. Gabriel's Quick Hits:
   • Find out the top 10 cities where home prices are surging.
   • Think you’re feeling wealthy? Here are the magic numbers behind financial comfort.
2. Getting to Know Steve and Gabriel:
   • Have you ever walked out in the middle of a movie?
   • What's something funny that you do when you're alone?
3. Bond Basics:
   • The Lewits are talking all things bonds, covering how they work, what happens when you buy one, and why they matter to your financial future.

1. One Big Beautiful Bill Act (OBBBA):
   • With the Big Beautiful Bill officially passed, the Lewits are here to walk you through what it means for your finances.
2. New Tariffs:
   • Trump unveils a new wave of tariffs. Find out which countries are affected.
3. Listener Question:
   • "What should I be aware of when buying or thinking of buying a second home? — Colin, SGL Client

1. Retirement Financial Literacy Quiz:
   • Most Americans struggled to answer these 6 basic retirement planning questions. How do you think you’ll score?
2. Target-Date Funds:
   • Should you invest in a target-date fund? We’re breaking down the pros, cons, and whether it’s the best move for your retirement plan.

1. Quotes of the Month:
   • “Money won’t make you happy…but everyone wants to find that out for themselves.” – Zig Ziglar
   • “Money isn’t everything but it sure keeps you in touch with your children.” – J. Paul Getty
       
2. Burned by Online Financial Advice:
   • Don’t let bad online advice drain your wallet. Always double-check your sources and trust the experts who’ve got your back!
       
3. Ketchup in the Fridge or Pantry?:
   • Great meals start with the right condiments and knowing how to keep them fresh makes all the difference.
       
4. Listener Questions:
   • I’ve heard I should roll my 401(k) into an IRA for more investment options, but my 401(k) has been doing well lately. Why move it? – Kelly
   • I counted up the mutual funds in my IRA, and it appears that I have 33 different funds. Is that adequate diversification? – Richard

1. Gabriel's 'Quick Hit':
   • Take a closer look at how fast food has gone from affordable to almost a luxury, with the numbers to back it up.
       
2. The Psychology of Money:
   • How do your early experiences with money still influence the way you handle finances today?
   • Is your confidence with money based on knowledge—or just comfort with your habits?
       
3. Are you Saving Too Much For Retirement?:
   • Saving aggressively is good, but saving too much might limit your ability to enjoy life today.
   • The Lewits share key warning signs and offer insights on how to navigate financial decisions with better balance.

1. Gabriel's 'Quick Hits':
   • What happening with the penny? Will they be gone for good?
   • Discover the countries where your dollar stretches the farthest—perfect spots to consider for your next vacation.
   • Learn how some dogs are traveling... for school!
      
2. Private Equity 401(k) Push:
   • What exactly is private equity, and is it a smart addition to your investment portfolio?
   • With private equity aiming to enter 401(k)s, what are the potential risks and rewards?

1. Financial Foundations for Recent Grads:
   • Dive into practical tips every recent grad needs to confidently manage money, build credit, and start investing for the future.
      
2. Getting to Know Steve and Gabriel:
   • How many hours do you get to the airport before a flight?
   • How well can you write in cursive?
      
3. Post-Tax Season Tips:
   • Check out these 5 essential tax strategies to optimize your refund and prep ahead for a stronger financial future.
      
4. The "Big, Beautiful Bill":
   • The Lewits unpack the potential effects of proposed new legislature and what this might mean for your finances.

1. Savings Benchmarks:
   • Learn how age and salary-based savings benchmarks can be a valuable tool for tracking your retirement progress.
      
2. Gabriel's 'Quick Hits':
   • Where in America can you stretch your retirement dollars the furthest and live your golden years in style?
   • As we move closer to an AI-driven future, Walgreens is going private and letting robots take over your prescriptions.
      
3. Money Guru Financial Advice:
   • Discover 5 powerful tips to jumpstart your kids' journey toward lifelong financial success.

1. Quotes of the Month:
   • I never did a day’s work in my whole life. It was all fun.” – Thomas Edison
   • “Money can’t buy you happiness, but it does bring you a more pleasant form of misery.” – Spike Milligan
      
2. When Living at Home Becomes the Norm:
   • Many Gen Z and millennials continue to rely on financial support from their parents.
   • Explore the key factors driving this trend, and find out where the highest number of young adults are still living at home.
     
     
3. A Remarkable Age Milestone:
   • Discover how old the world’s oldest living person is and how she's reached such an incredible age.
      
4. Retirees Afraid to Touch Savings:
   • Learn why so many retirees decide to rely mainly on guaranteed income sources instead of dipping into their other assets.

1. The Pepperoni (or Your Favorite Flavor) Pizza Index:
   • Everyone loves pizza, but not soaring prices. Discover why a rise in frozen pizza sales could be a subtle sign of economic slowdown.
   • Explore the projected trends for frozen pizza sales in 2025 and what they might reveal about consumer behavior.
      
2. Gold Rush:
   • Gold fever is catching on, but is it a smart move or just shiny hype? The Lewits dig into the reality behind the glitter.
      
3. Yoda-isms:
   • Yoda said it best. His timeless wisdom isn’t just for Jedi, it applies to your wallet too.
   • Learn how classic Yoda quotes become powerful financial lessons.
      
4. REAL ID Mass Hysteria:
   • While fear has many rushing to get a REAL ID before the deadline, we're here to explain how to keep calm and avoid the panic to get you back to travel relaxation

1. The Perfect Coffee Experiment:
   • Scientists uncover how to unlock bold coffee flavor using fewer beans—your perfect cup just got smarter (and more efficient)!
   • Discover what can help transform your coffee into the ultimate indulgence.
       
2. Financial Spring Cleaning:
   • The Lewits turn to professional organizer Marie Kondo to learn how her cleaning advice applies to your financial life.
   • Declutter your expenses and investments with an essential checklist for a more organized and stress free retirement.

1. Stock Market Clarity:
   • How do you navigate the ups and downs of today’s uncertain market?
   • The Lewits provide insightful advice for riding out market volatility and highlight the silver linings that can present better opportunities.
       
2. Gabriel's 'Quick Hits':
   • Explore the stunning features of the Burj Khalifa Penthouse for sale, which might just make its sky-high price tag worthwhile.
   • Universal Orlando Resort is unveiling a brand-new theme park, taking its immersive worlds to the next level—are you planning to make a stop on your next vacation?

1. Tariffs & Turbulence—Market Reactions and Smart Moves:
   • We breakdown the market’s drop following the announcement of new global tariffs.
   • A caution against emotional, short-term decisions like panic-selling.
   • And a reminder to revisit your long-term financial plans instead of reacting to headlines.
      
2. Social Security Shake-Up:
   • Updates and key dates you should know from the Social Security Administration.
   • How confusing changes are creating frustration for Americans and opportunity for scammers.
      
3. Is the Timing Still Right for a 2025 Retirement?:
   • A look at whether it’s still a good year to retire amid current market volatility.
   • Planning over timing—why a well-built financial strategy matters more than market ups and downs.

1. Gabriel's 'Quick Hit':
   • Discover the key takeaways from the Fed's rate hold, recession predictions, and GDP analysis.
       
2. What You Can Learn from 1099 Forms:
   • Uncover how 1099s, though often seen as routine, can reveal crucial insights into your portfolio and tax efficiency.
           
3. Happy Habits:
   • Uncover the 10 habits of those who lead a truly happy and fulfilled life.

1. Stock Market Updates:
   • Explore the current market conditions and the impact of new tariffs, understanding that fluctuations are inevitable and to avoid impulsive investment decisions.
       
2. Gabriel's 'Quick Hit':
   • Learn about the newly created woolly mice and explore whether de-extinction is a breakthrough or a cause for concern.
           
3. March Madness Money Lessons:
   • Uncover the parallels between NCAA tournament and stock picking, along with the valuable investment lessons they offer.

1. Quotes of the Month:
   • "Money frees you from doing things you dislike. And since I dislike doing nearly everything, money is handy." – Groucho Marx
   • "Wealth consists not in having great possessions, but in having few wants." – Epictetus
       
2. Gabriel's 'Quick Hits':
   • Discover the current landscape of tariffs, shaped by ongoing trade tensions and evolving policies, and what it could mean for you.
   • Gain insights about the new tax bill recently passed by the House.
       
3. Listener Question:
   • "We've always dreamed of having a vacation home to visit several times a year once we're retired, and while I think we can afford it, I'm unsure whether to take out a mortgage on the vacation home, tap the line of credit on our primary home, or sell some investments to buy it with cash—how would you advise me?" – Terry
         
4. Gifting Assets for Your Grandchildren:
   • Explore various gifting options that can help build a nest egg for your grandkids.

1. Gabriel's 'Quick Hit':
   • With discussions around overhauling the IRS, this tax season brings uncertainty and raises questions about the filing schedule.
       
2. The Finfluencer Phenomenon:
   • Uncover the worst saving advice from social media finfluencers (financial influencers) and why following their tips could cost you more than you think.
       
3. Market and Economic Outlook Webinar Recap:
   • Explore key themes for the 2025 financial year and where the market may be headed.
         
4. Getting to Know Steve and Gabriel:
   • If you had to pick a new career, completely unrelated to your current one…what would it be?
   • Do you believe in life on other planets?

1. It's Tax Season!:
   • Discover top tax strategies to streamline your preparation and ensure a stress-free, organized tax season.
       
2. Gabriel's 'Quick Hit':
   • Uncover a new scam involving unpaid tolls and learn about the dangers of smishing.
       
3. Financial Insights from the Super Bowl:
   • Explore insightful quotes from Coach Andy Reid, transformed into valuable lessons for achieving success in your retirement.
         
4. Listener Question:
   • “Given that I'm holding $350,000 in cash in my IRA, how long should I wait before reinvesting it if I'm anticipating a market crash?” – Marty

1. 5 Mistake Special (Part 2):
   • Uncover 5 common vacation planning mistakes and discover smarter ways to make the most of your trip.
       
2. All About Tariffs:
   • Explore the economic ramifications of tariffs and their impact on trade, industry, and the global economy.
       
3. Listener Question:
   • "Given our plan to mutually care for each other in old age, except in cases of severe health decline, how much long-term care coverage do we really need?" – Holly
         
4. Quotes of the Month:
   • “It’s easy to meet expenses. Everywhere you go, there they are.” – Anonymous
   • “There’s a very easy way to return from a casino with a small fortune—go there with a large one.” – Jack Yelton

1. Quotes of the Month:
   • “Money doesn’t change you. It reveals who you are when you no longer have to be nice.” – Tim Ferriss
   • “Success seems to be connected to action. Successful people keep moving. They make mistakes, but they don’t quit.” – Conrad Hilton
       
2. Gabriel's 'Quick Hits':
   • Explore the potential of a new cancer-screening blood test, examining its pros, cons, and price to determine its value.
   • Learn how soaring interest rates are contributing to a slowdown in home and car sales.
         
3. 5 Mistake Special (Part 1):
   • Discover 5 key mistakes to avoid in your investment portfolio and tips for improvement.

1. Then vs Now:
   • Delve into the early days of Our 2 Cents and rediscover the initial themes and conversations that sparked our podcasting journey.
   • Explore our analytics to reveal intriguing data points about our podcast's trajectory.
       
2. Getting to Know Steve and Gabriel:
   • What have you learned over these past 200 episodes?
   • What's been the most surprising outcome of creating this podcast?
         
3. Snowbirds:
   • Uncover the allure of the snowbird lifestyle, explore top destinations, and key factors to consider before embarking on this seasonal escape.

1. Gabriel's 'Quick Hits':
   • Discover how the Consumer Financial Protection Bureau (CFPB) implemented a groundbreaking rule to eliminate medical debt from credit reports.
   • Gain insights into the Fed's latest advice for the stock market.
       
2. The Surgeon General's Heartfelt Message:
   • Hear what Surgeon General Vivek Murthy has to say to Americans citizens about safeguarding your well-being.
         
3. Money Transformations:
   • Learn how common negative thought patterns can be transformed into actionable financial strategies that lay the foundation for lasting success.

1. Another Fed Cut:
   • Learn how the Federal Reserve's third consecutive 25-basis-point rate cut has fueled speculation about future economic prospects and the potential impact on money market accounts.
       
2. Social Security Fairness Act:
   • Identify which Americans will receive a substantial increase in Social Security benefits due to the recently enacted bipartisan legislation.
   • Determine which provisions within the Social Security system are being removed through this new law.
         
3. New Year's Financial Resolutions:
   • Examine your past money mindset and discover how applying new financial resolutions can transform your 2025.

1. Embracing the Winter Solstice:
   • On Saturday, December 21st, the winter solstice will mark the shift to colder weather, bringing with it the promise of longer days and a bit more sunlight.
       
2. Financial Facts to Boost Your Holiday Spirit:
   • Discover uplifting financial facts that provide a clearer understanding of the current financial landscape.
       
3. No More Sad Lunches!:
   • Learn the secrets to crafting the perfect sandwich—yes, the right ratios make all the difference!
       
4. Rebalancing Your Portfolio:
   • Dive into the concept of rebalancing your financial portfolio and discover how it can positively impact your long-term financial growth.

1. What's in Your Financial Stocking?:
   • Uncover helpful financial tips that could be the perfect addition to your "financial stocking," helping you take meaningful steps toward a secure and confident retirement.
       
2. Gabriel's 'Quick Hits':
   • Discover what the 2025 S&P projection could mean for your financial plans and learn about the potential impact of Google's quantum chip.
       
3. Investing for a Defined Timeline:
   • Explore investment strategies across various time horizons to uncover financial solutions through risk-based opportunities.

1. Retiring Unexpectedly?:
   • Explore recent research that underscores the importance of planning for early retirement and highlights potential challenges you may encounter along the way.
       
2. When Spouses Retire at Different Times:
   • Discover how sudden lifestyle changes that accompany retirement can reshape relationship roles and dynamics.
       
3. Listener Question:
   • "What is a mega backdoor Roth 401(k) contribution?" - SGL Client

1. Getting to Know Steve and Gabriel:
   • Did your family ever pressure you to attend a certain school or pursue a certain career path?
   • What physical traits do you share with your relatives?
       
2. Financial Lessons from Game Shows:
   • We reveal the surprising financial insights we found in classic game shows—teaching lessons in strategy, risk, and reward beyond the bright lights!
       
3. The Insights You Didn’t Expect from Blanchett:
   • Through Blanchett's analysis, uncover surprising stats that highlight key disconnects between clients and financial pros.

1. Gabriel's 'Quick Hits':
   • Explore the potential market impact of the recent Fed rate cut and what key insights to keep in mind as Trump takes office.
     
     
2. More of Our Financial Advisors' Wishes:
   • We're adding more wishes to the financial pros' wishlist with some fresh perspectives and strategies for listeners.
     
     
3. It's Roth Conversions Season!:
   • Discover if a Roth conversion is still a smart move for your portfolio as we evaluate the trajectory of tax rates.

1. Mastering the Best Scrambled Eggs:
   • Learn multiple chefs' secrets to preparing the most fluffy scrambled eggs every time, so say goodbye to overcooked eggs and hello to breakfast perfection!
     
     
2. Financial Pros Wishes:
   • Discover our financial advisors' wishlist for savers and investors, designed to pave the way towards financial peace of mind.

1. Magic 8 Ball Financial Guidance:
   • In the spirit of Halloween, we're seeking financial advice from a Magic 8 Ball because sometimes, a little mystery leads us to smart decisions.
     
     
2. Are You Afraid of Sachs's Stocks Prediction?:
   • Discover whether stocks are heading toward a "lost decade" and learn what actions you can take to protect your investments.

1. Gabriel's 'Quick Hits':
   • Learn how much the price of a Mega Millions lottery ticket is going up and what the 2025 Social Security COLA adjustment will be.
     
     
2. The Financial Impact of a Presidential Election:
   • In light of the upcoming election, uncover essential financial insights on U.S. presidential elections and market trends.
     
     
3. More Celebrity Financial Advice:
   • Explore more interesting celebrity quotes that we transform into thoughtful financial takeaways.

1. Gone Out of Business:
   • Uncover which of your favorites companies have gone out of business and the reasons behind their downfall.
     
     
2. Celebrity Financial Advice:
   • Explore some insightful quotes from famous celebrities that we transform into thoughtful financial takeaways.

1. Fed Interest Rate Cut:
   • For the first time in 4 years, the Federal Reserve cut interest rates, marking a shift from their previous tightening, to help stimulate economic growth.
     
     
2. Financial Risk-Taking:
   • Understand investor perspectives on financial risk-taking and explore effective strategies to address potential concerns.
     
     
3. Listener Questions:
   • "I recently remarried, and we both lost our previous spouses to cancer in the last five years. We’re in our late 60s, each with three kids, and he has more assets than I do. How can we ensure his kids inherit his wealth while also securing my financial future if I outlive him?" - Linda
   • "My 64-year-old husband wants to work another decade, but I think we have enough for him to retire sooner. I'd prefer to travel more. Is it worth debating, or should I just let him keep working?" - Beth

1. Finally Sold:
   • After 12 years on the market, this 32,683-square-foot Highland Park estate, often remarked as a popular tourist destination, is now under contract with the selling price unknown.
     
     
2. How Do Financial Advisors Get Paid?:
   • Uncover the various pay structures of financial advisors and what they mean for your financial future.
   • Learn about the different types of financial advisors, their potential biases, and the pros and cons for each compensation model.

1. Chase Bank "Glitch":
   • A series of viral videos reveals how some individuals, believing they could withdraw free money from ATMs, were unknowingly engaging in check fraud.
     
     
2. Unusual Fears and Financial Planning:
   • Explore the hardest to pronounce phobias and how they can reflect some of the most common financial concerns.
     
     
3. Year-End Tax Planning Strategies:
   • Discover proactive steps to reduce your tax burden as we approach the end of the year.

1. New Rules to RMDs:
   • Explore the newly added and complex regulations surrounding RMDs, specifically related to inherited IRAs.
   • Gain insights on how to navigate these changes and their impact on your financial plans.
     
     
2. Your Retirement Jersey:
   • Discover how your retirement plan is like a football jersey—where every detail can shape your financial future.

1. Quotes of the Month:
   • "The successful warrior is the average man with laser-like focus." - Bruce Lee
   • "Worrying does not take away tomorrow's troubles, it takes away today's peace." - Randy Armstrong
     
     
2. How Do You Know?:
   • How do you know when you're financially ready to retire?
   • How do you know which retirement accounts (IRA, 401(k), etc.) are the best options?
   • How do you know if your retirement plan is tax-efficient?
     
     
3. Big Retirement Regrets:
   • Discover what 5 regrets retirees wish they could change and how to avoid making the same mistakes.

1. The Cost of the Olympics:
   • Explore the advantages and disadvantages for countries hosting the Olympics and how this influences the infrastructure and lives of city residents.
     
     
2. The Red Flags of Financial Scammers:
   • Discover how one man's encounter with scammers devastated his retirement.
   • Learn the red flags to watch for to avoid falling victim to financial scams.
     
     
3. How Do You Know?:
   • How do you know how much income you'll need when you retire?
   • How do you know if the fees in your portfolio are too high?
   • How do you know if you can trust your advisor?
   • How do you know how much money you should have in your savings account?

1. Mid-Year Market & Economic Update Webinar Summary:
   • Learn Steve and Gabriel's perspectives on the current stock market performance, various factors impacting the economy, and a potential bubble on the horizon.
     
     
2. Stress Less in Blue Zones:
   • Uncover the secrets from those who live in "blue zones" and what is contributing to their longevity.
     
     
3. Money CAN buy happiness:
   • Discover how this study's findings demonstrate how your financial income can be a driving factor to your happiness.

1. Quotes of the Month:
   • "A goal broken down into steps becomes a plan. A plan backed by action makes your dreams come true." - Greg S. Reid
   • "Plan for what is difficult while it is easy, do what is great while it is small." - Sun Tzu
       
2. Tips for a Long Life:
   • Uncover the secrets to a long and happy life from the 104-year-old "Lobster Lady," whose longevity habits and passion for lobster trapping keep her thriving. 
     
     
3. Money Fibs You Tell Yourself:
   • Discover the most common limiting beliefs about money and learn how to adopt a healthier financial mindset.

1. Navigating Your Pension:
   • As pensions offer a variety of options, many individuals often ponder the advantages and disadvantages of opting for a lump sum.
   • Discover the differences between pension choices and ways to maximize your savings.
       
2. What is a Cash Trap?:
   • Learn the meaning of a cash trap and how tying up your funds now can affect future growth.
   • Gain insights into the advantages of adopting a broader perspective amidst periods of high inflation rates.
     
     
3. Listener Questions:
   • "I'm paying off my house soon and my pension, Social Security, and my husband's Social Security will add up to my monthly expenses amount. Should I stop putting more money in my 401k?" - Maria
   • "My mother recently passed and left me with an IRA with about $350,000 in it. What do I need to know about this account, and how should I invest it?" - Benny 

1. The Price of Being a Pet Owner:
   • As animal medicine becomes more high-tech, veterinarian prices increase, causing major concern for pet owners and their wallets.
   • Uncover how private equity firms are utilizing animal hospitals in a strategic yet deceptive way.
       
2. What is Financial Freedom?:
   • Learn the meaning of financial freedom and ways to achieve it with your budget and lifestyle choices.
   • Discover how to spend your earnings without feeling guilty and bound by financial burdens.

1. The Economic Impact of 2024 Heat Wave:
   • As this year's scorching heat continues to increase, learn how this heat wave negatively affects economic growth and productivity for many industries.
       
2. Illinois's First Mobile DMV:
   • Hate waiting in long lines at the DMV and wish it could just come to you? With the Illinois's 'DMV on Wheels' program, your wish is coming true. 
     
     
3. Managing RMDs Overview:
   • Discover multiple ways to approach RMDs and reduce RMD amounts that best suit your retirement needs.
   • Determine if a QLAC will be a helpful component in your retirement plan and what other alternatives are offered.

1. Yogi-isms and 2024 Baseball Stats:
   • Discover legendary baseball player, Yogi Berra's "wise" words turned into financial advice including, "A nickel ain't worth a dime anymore." and "It ain't over 'til it's over." 
   • Plus, a quick check-in on how well (or not well) the White Sox, Cubs, and Yankees are performing this baseball season.
       
2. Housing-Bubble Era Comeback:
   • June is National Homeownership Month, so let’s take a look at a headline that immediately caught our attention.  
   • History is repeating itself, as zero-down mortgages return, offering hope as well as risks.
   • Understand the implications of a no-down-payment home loan and how to determine if it is a good choice for you.

1. Cicada Emergence 2024:
   • Learn about the rare occurrence of two broods of cicadas appearing together at the same time this year and how they make their "lovely" screeching noises. 
      
2. Morgan Stanley's Poor Predictions:
   • A Morgan Stanley exec went back on his own word for the S&P 500 target, as he realized the market did not take a turn for the worse.
   • Discover why it's in your best interest to not make a financial decision based a prediction.
       
3. Write-In Article Question & Listener Questions: 
   • Write-In: "Do I continue with my current financial adviser or is it time to DIY?"
   • "I’m recently divorced and have just received money in a QDRO as part of our settlement. What are my options for what I can do with this money?" - Rebecca
   • "Should I continue with my 401k rollover or hold off since it’s performing well?" - Eric
   • "I’ll be receiving a settlement from a lawsuit and have some credit card debt and car loans that could be paid off entirely with the settlement, or I could invest the money instead. Do you have a recommendation?" - Alina

1. Summer Travel Tips:
   • We've got the best time and destinations to travel this summer to make your vacation getaways a breeze.
   • Learn how to travel smart through cost-effective strategies to create an enjoyable, yet affordable trip.
      
2. Inflation Data in Perspective:
   • Recent data demonstrates that inflation rates have cooled just slightly, although still not where the Fed wants to be. 
   • Can you believe this fast-food giant’s price increases over the last decade? Plus, their small attempt to bring back customers.
   • Understand 'shrinkflation' and how this country is taking a stand against such practices for the benefit of consumers.
      
3. Can You Really Get Paid to Move?: 
   • Learn what a "relocation package" is and why some U.S cities are willing to pay you for moving.
   • Discover what interesting incentives are involved in relocating to these smaller locations.

1. The Difficulty in Financial Decision-Making:
   • Discover that people who view themselves as emotional thinkers have a more difficult time processing and making financial decisions.
   • Learn how reframing and using more practical thinking can better your approach to making decisions with your finances.
      
2. Gabriel's Quotes of the Month:
   • "It's not who you are that holds back, it's who you think you're not." - Denis Waitley
   • "Investing should be like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas." - Paul Samuelson
      
3. The Benefits of Simplicity in Investing:
   • Understand how diversification, patience, and time are keys to a simpler approach to investing.
   • How the concept of Bucket Planning can help you view your investments in a simpler to understand way.
   • While there are more complexities behind the scenes with Bucket Planning, the idea that you know the purpose and goals for each bucket can help simplify your investment decisions.

1. Chicago Bears Update:
   • With the debut of the new Quarterback, there is renewed hope for this upcoming season.
   • The new Bears stadium causes uproar with mixed reviews and its use of taxpayer money.
     
     
2. Saving Strategies at Every Age:
   • In your 20s, develop a habit of saving in tax-free accounts and consider more aggressive investments.
   • In your 30s, navigate career growth and family planning through managing current expenses and financial goals.
   • In your 40s/50s, plan for the future while hitting your peak earning potential by hiring a financial planner.
   • In your 60s, ensure a peaceful retirement by being mindful of your spending.
     
     
3. Inheritance Conversations:
   • Learn how an open approach to discussing inheritance can lead to clarity and harmony among family members.

1. Gabriel's Quotes of the Month:
   • "I'm going to retire and live off my savings. What I'll do the second day, I have no idea." – Unknown 
   • "A good plan, executed now, is better than a perfect plan next week." – George Patton
2. What's the Real Magic Retirement Number?:
   • Discover that the magic retirement number is not what you may think.
   • People tend to overestimate the amount they need to retire, and we'll share why that is.
   • We'll discuss how you can calculate your own retirement number.
3. Humane AI Pin:
   • Learn about the Humane AI Pin, a new artificial intelligence (AI) product designed to potentially replace your smartphone.

1. Money Mindfulness: Cultivating Financial Peace:
   • Uncover practical techniques to harness the power of mindfulness in reaching your financial goals.
   • Learn to be present in your current financial situation to embrace self-awareness and mindful investing habits.
   • Take time to reflect and understand your feelings about your finances to achieve a prosperous wellbeing.
     
     
2. Listener Question:
   • "Hi Steve, what is your opinion on this 'Ask Terry' question I saw online? I used to be a fan of Terry Savage, but after seeing this response, I'm not so sure anymore." - Sharon

1. Monday's Moon Shadow:
   • Those in a 115 mile path stretching across Mexico, the U.S., and Canada will get a brief glimpse at a "hole in the sky" moment on Monday. 
   • Be sure to wear your Solar Eclipse protective eyewear, and we hope you enjoy the sight!
2. Retirement Wellness: Financial Checkup & Tips:
   • Where to start: Checking your vital signs (a.k.a. your cash flow).
   • Goals check-in: The progress made towards your goals.
   • A strong immune system: Maintaining healthy saving and spending habits.
   • Debt evaluation: Any extra debt dragging you down?
   • Portfolio screening: Investment alignment with your risk tolerance and goals.
   • Prescriptions: Your homework for maximizing your financial health for your next check-in.
   • The follow-up: Regularly re-visit your retirement plan, your investment goals, and your overall financial health.

1. What's Up? Car Insurance Costs!:
   • Over the past 12 months car insurance costs have gone up nearly 21%. So, what gives?
   • We'll share the three main reasons that are driving up prices.
   • Plus, things you can consider to help keep your car insurance costs down.
2. Working 9 to 5 'til 95?:
   • The story of a 101-year-old woman who continues to work, but it isn't for the money.
   • Why she says her long career has prolonged her life and happiness.
   • The importance of staying socially connected and engaged to maintain cognitive health and overall well-being in retirement.

1. Island Living in Retirement:
   • Retiring to an island may appeal to many retirees, and we're sharing the best scenic locales to consider.
   • Some international islands offer incentives to retirees.
   • Plus, a U.S. based island location that may surprise you!
2. Deep Dive: How to Avoid IRA Mistakes:
   • The importance of contributing to IRAs before the deadline.
   • Consider the benefits of both Roth and traditional IRAs based on individual circumstances.
   • Utilizing backdoor Roth IRA contributions.
   • Exercise caution against speculative investments in IRAs, putting the wrong types of investments in IRAs, and forgetting about required minimum distributions (RMDs) for traditional IRAs.

1. Money and Madness:
   • How trying to pick the winning team out of 68 is just like trying to pick winning stocks.
   • How personal bias and emotions can influence your picks.
   • If you could change your picks along the way, would you? And should you?
   • Having a game plan and sticking to it may yield the best results after all.
2. Safeguard Your Finances Against Scams:
   • Tips to avoid falling victim to phishing, vishing, smishing and more scams. 
   • An important lesson from one lady who lost it all.
   • Staying hyper-vigilant in the face of advancing technology and AI scams.

1. Market & Economic Update Recap:
   • Notable market events from 2023 that are shaping the landscape in early 2024.
   • The 'Magnificent 7' driving most of the market growth.
   • Some thoughts on what lies ahead for us for the remainder of this year.
2. Harnessing Fear to Build Wealth:
   • The importance of facing fears head-on and finding ways to alleviate them. 
   • How stress-testing your portfolio or exploring alternative options can help create investment opportunities.
   • Common investor fears and how they can impact your decision making. 

1. Valentine's Day Fun Facts:
   • Did you know chocolate used to be prescribed by doctors? We didn't either!
   • We'll warm your heart with these fun Valentine's Day facts!
2. The Impact of the Latest Inflation Data:
   • The CPI rose by 3.1% in January. We'll explain what that means, and break down some of the core categories.
   • $3 for a McDonald's hashbrown? Customers have had enough of these rising prices.
   • Inflation isn't the only problem, it's 'shrinkflation,' too.
   • Ways to protect your quality of life in the face of rising costs.
3. Getting to Know Steve and Gabriel:
   • What's your favorite snack at the movies?
   • What fictional character would you like to hang out with?

1. Breaking Down Bitcoin ETFs:
   • The basics: What is Bitcoin and the blockchain?
   • The future of Bitcoin - is it a digital currency or an asset?
   • The introduction of Bitcoin ETFs
   • Should you consider buying Bitcoin or a Bitcoin ETF?
2. Put Your "Lazy Money" to Work:
   • What we mean when we say lazy money, and what makes it "lazy?"
   • Why do people sometimes have too much money on the sidelines?
   • What are some ideas to put that lazy money to work?

1. New Workplace Benefits to Help Increase Savings in 2024:
   • Making student loan payments could help boost your 401(k).
   • Accessing 401(k) money for emergencies.
   • A 401(k) match for building emergency savings.
   • Lowering the bar for 401(k) participation.
2. Strategies to Pay Zero Taxes on Social Security:
   • Just how is Social Security taxed to begin with?
   • How contributions to certain IRA or HSA accounts can help.
   • Implementing additional tax planning strategies can also help lower your taxable income.
3. Listener Questions:
   • "Gabe, Steve, I recently retired a few weeks ago and I'm feeling very uncomfortable living on income from my investments. I'm considering going back to work. Is that a normal reaction?" - Joyce
   • "The majority of my 401(k) is invested in company stock. I know that I am not diversified but I am very confident in my company's future. I am wondering if that is okay?" - Danielle

1. Your Money Resolutions for 2024:
   • Figure out what financial wellbeing means to you.
   • Determine what the purpose of your money is.
   • Spend in ways that are true to who you are, not what others expect of you.
   • Buy yourself time.
   • Focus on what drives your values and your happiness.
2. Well-Known Bankrupt Companies from 2023:
   • Although filing for bankruptcy doesn't necessarily mean these business went bust, it does highlight the potential risks in investing in individual companies.
   • We'll share seven household-name US retailers and businesses who faced a laundry list of problems in 2023.

1. 2024 Interest Rate Predictions:
   • The Fed's expected end-of-2024 interest rates.
   • Bank of America's prediction on the likelihood of a Fed rate cut by March.
   • Goldman Sachs' forecast on rate cuts.
   • JPMorgan's revised interest rate outlook.
   • UBS' expectation on a recession in 2024 and massive rate cuts.
2. Big Retirement Changes for the New Year:
   • Social Security's COLA for 2024.
   • Increased Medicare expenses for the new year.
   • New rules for 529 plans that could add an interesting layer to your retirement planning.
3. Gabriel's Quote of the Month:
   • "Don't let money run your life, let money help you run your life better." — John Rampton

1. Remembering Charlie Munger:
   • If you read any business news, you probably heard of the passing of Charlie Munger.
   • In honor of him, we're sharing some of his quotes that are our favorites.
2. Merry Retirement Facts:
   • We often share some of the scary stats about retirement, but today we're taking a cheerier look. 
   • The steady growth of IRA balances, increased savings among Americans, and the embrace of retirement savings by younger generations.
3. How Elections Affect the Stock Market:
   • While there may be some trends, it is difficult to predict market performance based on political outcomes.
   • How much do elections actually affect the stock market? 
   • Plus, a quick recap of what the markets did over the last few election periods.
4. Quick Market Perspectives:
   • Vanguard's financial market projections for the next 10 years.
   • Highlighting the expected growth rates for different asset classes.
   • The importance of diversification and the potential for international investments to outperform US equities.

1. Gabriel's Quotes of the Month:
   • "Wealth is largely the result of habit." — John Jacob Astor
   • "The goal isn't more money, the goal is living life on your terms." — Chris Brogan
2. America's National Debt - Is it Really a Problem?:
   • How government deficits don't exactly work like household debt.
   • The notion of "servicing" debt as opposed to paying it off in full.
3. States That Don't Tax Your Nest Egg:
   • Where you live and retire can have a pretty big impact on your retirement income.
   • The states that don't tax any income, the ones that don't tax retirement income specifically, those who don't tax Social Security, and the states with no tax on pensions.
4. The Benefits of Delaying Gratification:
   • Not pausing your retirement savings to pay for more things today.
   • Not saving in only tax-deferred accounts.
   • Waiting for interest rates to go down before making big purchases.

1. Must-Know Long-Term Care Statistics:
   • Usage of Long-Term Care: The percentage of people who will need long-term care in their lifetime, including paid services, nursing care facilities, and more.
   • The Role of Dementia: The prevalence of Alzheimer's disease or other forms of dementia, specifically for those in nursing homes.
   • The Cost of Care: Estimated lifetime costs of care for various care needs.
   • Long-Term Care Insurance: Polices are changing these days, how in-demand are they, and are they worth it?
2. Getting to Know Steve and Gabriel:
   • What's a small thing that makes your day better?
   • What was your favorite age growing up?

1. Thanksgiving Fun Facts:
   • Talking Turkey: The states that have towns named 'Turkey,' how many turkeys are prepared each Thanksgiving, a Butterball Turkey Talk line, and more turkey facts.
   • History facts about this long-standing tradition that you might not know.
2. End-of-Year Tax Planning Tips:
   • The potential benefit of itemizing deductions, such as mortgage interest and charitable contributions, and "bunching" deductions to maximize tax savings.
   • The benefits of tax-loss harvesting, contributing to 529 plans, and taking Required Minimum Distributions (RMDs).
   • The advantages of Roth conversions, maximizing IRA contributions, and conducting a withholding analysis to avoid under-withholding penalties.

1. Conquering the Retirement Mountain:
   • Preparing for the climb.
   • The ascent to the top of the mountain.
   • Establishing base camps.
   • Reaching the summit.
   • Descending safely.
   • Adapting to the unpredictable changes.
2. Getting to Know Steve and Gabriel:
   • Have you ever disliked something and then changed your mind about it later?

1. The 10 Best Haunted Houses in the US:
   • As voted by USA Today readers, these haunted houses were chosen for the quality of their actors, set designs, and special effects, as well as value for money.
   • From a petrifying penitentiary to multiple fields of screams. Any Halloween enthusiast will want to hear about these haunted experiences.
2. The Scariest Haunted House in America:
   • This one requires a 40-page waiver, a doctor's note clearing you physically and mentally, a safe word, and more.
   • A whopping grand prize if you complete the experience, but has anyone ever successfully finished?
3. Retirement is Like Halloween:
   • Both Halloween and retirement can be scary.
   • You shouldn't navigate retirement or a haunted house alone.
   • Both Halloween and retirement involve assuming a new identity.
   • There are some tricks and also some treats in retirement, just like All Hallows' Eve.
   • Having a plan can mean you get to treat yourself (with no stomachaches)!

1. Getting to Know Steve and Gabriel:
   • If you were a world famous gardener but could only plant one plant, what would it be?
   • Do you hit the snooze button or wake up immediately?
2. Retirement Planning Challenges for the Wealthy:
   • What is a high-net-worth (HNW) individual?
   • What makes a HNW plan a little more complex?
   • How is the tax impact different for HNW individuals?
   • Are there any differences or similarities in how higher net worth clients tend to invest their money?
   • How do HNW individuals handle their estate planning items?
   • What are some myths out there about retirement planning for HNW individuals?

1. Money Mistakes to Learn From:
   • Maybe I should have investigated opportunities for Roth IRAs
   • I spent way too much money in my peak earning years
   • I refinanced my mortgage too many times
   • I retired too early and now it's costing me
   • I should have been safer with my investments
   • I kept my kids on the payroll for too long
2. Questions from Clients:
   • "I have the option to renew my CD for one year for 5.25%. Should I do that? - James
   • "How does all the economic and political stuff going on in the world affect me?" - Mary

1. Recap of Steve on the News:
   • We hear about having money for a rainy day — how much is a good amount to have saved up?
   • Should you prioritize saving or paying off debts?
   • What documents should you keep protected?
   • Why is life insurance important to have?
2. Exploring Care Opportunities in Retirement:
   • Why would someone want to consider a Continuing Care Retirement Community (CCRC)?
   • What are the financial benefits and considerations with these types of facilities?
   • What kinds of amenities are offered at CCRCs?
   • How should the quality of care be evaluated?

1. Will a Government Shutdown Hurt Retirees?:
   • A looming potential government shutdown has some retirees wondering if they need to be worried about the impact it could have on their daily lives.
   • Will Social Security, Medicare, or other essential services be shut down?
   • What delays in services could be expected?
2. Retirement Outlook - Is the Glass Half Full or Half Empty?:
   • The stability of Social Security
   • Healthcare affordability in the future
   • Tax rates in the next decade
   • Long-term care options for the future
   • The next five to ten years in the stock market

1. Exciting Train Trips:
   • Amtrack Auto Train: Sit back, relax, and pack your car along with you!
   • Rocky Mountaineer Train: Explore the canyons and mountains at three great national parks!
   • Alaska Railroad's Coastal Classic: Head off into the backcountry wilderness!
   • Grand Canyon Railway: Re-create the historic voyage to the Grand Canyon!
2. Uncovering Universal Retirement Truths:
   • Everybody is going to age.
   • Everybody has some form of a plan.
   • Everybody has an advisor.
   • Emotions can be an investors worst enemy.
   • Nobody can consistently time the stock market successfully.
   • Diversification is essential for reducing risk.
   • Nobody knows how long they're going to live.
   • Tax implications matter.

1. Gabriel's Quotes of the Month:
   • "You're never too old to set another goal or to dream a new dream" - Les Brown
   • "Don't simply retire from something, have something to retire to" - Harry Emerson Fosdick
   • "The person who doesn't know where his next dollar is coming from usually doesn't know where his last dollar went" - Unknown
2. Demystifying RMD's - The Basics:
   • What is an RMD?
   • Is there anything I can do to avoid having to take them?
   • What type of accounts do I have to take them from?
   • At what age do I have to begin taking them?
   • Can I take RMDs from multiple accounts?
   • If I don't need the RMD, what can I do with the money?
   • How can I avoid big tax issues with proper planning?

1. Getting to Know Steve and Gabriel:
   • What was your favorite TV show as a kid?
   • If you could pick any Olympic sport to participate in, what would you choose?
2. Revealing Retirement Plan Frustrations:
   • My portfolio is still not yet back to breakeven from the prior all-time high of the S&P 500.
   • I won't have enough time to make up for my market losses.
   • The fees I'm paying are too high.
   • I feel like I'm not getting anything for the fees I'm paying.
   • My portfolio has losing funds in it, it should only have winners.

1. No Regrets! Don't Make These Estate Planning Mistakes:
   • Failing to plan for expenses that can be foreseen—especially healthcare.
   • Failing to update beneficiary designations.
   • Failing to update your trust (or not having one at all).
   • Failing to communicate your wishes and intentions.
   • Transferring real estate while still living, instead of at death.
   • Failing to maximize your asset amounts.

1. Part 2: Financial Tension Between Couples:
   • A deeper dive into some sources of debate among couples.
   • Gabriel and Steve share some of more common ones they come across when meeting with clients, and the ways they've seen couples compromise.
   • How having a solid financial plan in place can actually help put a lot of these stresses to rest for you.
2. Gabriel's 'Quick Hits':
   • Yet another interest rate hike - What possible advantages and risks exist in the current interest rate environment?
   • U.S. debt downgraded - What does that mean? Is it a big deal?
   • "We were wrong" - A top Wall Street strategist admits his forecast of a stock market crash was incorrect.

1. Resolving Financial Tension Between Couples:
   • Budgeting - agreeing on how much to spend
   • Risk tolerance - how aggressive or conservative to be with investing
   • Retirement age - when each spouse can or should retire
   • Housing - where to live in retirement
   • Lifestyle - how you plan to spend your time in retirement
   • Inheritances - if you will leave money to your kids 
2. Listener Questions:
   • "I am afraid of a recession happening, so I might stop contributing to my 401(k) for a while. Is that a good or a bad idea?" - Vicki
   • "I've always heard I should have a mortgage when I retire because that will be the only tax deduction I'll have at that point. I've been paying extra on my house to have it paid off by the time I retire, but maybe I should slow down on that plan. What do you think?" - Rick

1. Mastering Your Retirement Income Planning:
   • Step 1: Accurate budgeting is at the core of income planning
   • Step 2: Visualize your future and how you will live in retirement
   • Step 3: Identify your floor income sources and any shortfalls
   • Step 4: Create "Now," "Soon," and "Later" buckets of money
   • Step 5: Utilize appropriate strategies to generate income from investments

1. Winning Your Financial Independence:
   • Independence from depending on family
   • Independence from creditors and debt
   • Independence from employment or the need to work
   • Independence from worrying about the stock market
   • Independence from the government and excess taxation
2. Gabriel's Quotes of the Month:
   • "A simple fact that is hard to learn is that the time to save money is when you have some." - Joe Moore
   • "If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed." - Edmund Burke

1. Bad Money Habits:
   • Procrastinating financial decisions that need to be made.
   • Investing emotionally instead of analytically.
   • Living beyond your means and not willing to cut back.
   • Pretending like the nursing home is something that will only happen to other people, not you.
   • Constant over-saving, never spending and enjoying.
   • Inadequately diversifying your portfolio.
2. Getting to Know Steve and Gabriel:
   • What is your go-to dance move?
   • Does your family have any traditions that seem normal to you but would be weird to everybody else?
   • What's the worst movie you've ever seen?

1. Debt Crisis Averted:
   • A quick rundown of the bill that was signed by President Biden.
   • The concessions made by both sides to get the votes needed.
2. A Retirement Burden for Gen X:
   • With retirement on the horizon, 46% of Gen Xers say they won't have enough savings to be comfortable. What steps can they take now?
   • Why the majority of Gen X may work in retirement. 
   • Saving with no strategy? Why Gen Xers need to start creating a retirement plan now.
3. Credit Report Complaints:
   • Complaints sharply rose against credit reporting agencies from 2021 to 2022.
   • What you should do to spot incorrect information on your credit report, and file a complaint if you find something wrong.

1. Splurge-Worthy: Yay or Nay?:
   • Big savers to big spenders, what's your spending personality? 
   • Are we giving a 'Yay' or a 'Nay' to these home item splurges?
   • Instances where the upfront splurge will actually save you more money overtime.
2. Cleaning Up Your Portfolio:
   • Taking out the investment "trash" in your portfolio.
   • Cleaning out the "closet" in your financial life.
   • Periodic maintenance of your finances and portfolio.
   • Don't procrastinate "scrubbing the bathrooms" of your investment portfolio.

1. The 2023 Retirement Confidence Survey:
   • The huge gap between when workers expect to retire and when retirees say they actually did.
   • How much has America's confidence in a comfortable retirement dropped over the years?
   • What do people feel are the most valuable improvements to retirement savings plans?
   • How confident are people in knowing how much to withdraw from their savings in retirement?
   • The ways you can plan in order to have realistic expectations about retirement.
2. Summer Travel Planning:
   • 15 top U.S. vacation destinations for 2023.
   • The steps you should take to appropriately budget for and plan your summer vacation.
3. Getting to Know Steve and Gabriel:
   • Where's the funniest place you've fallen asleep?
   • What's the best part of your day?

1. Financial Decisions Through the Ages & Stages:
   • Marriage and Remarriage
     • Combining finances or keeping them separate
     • New living arrangements and setting up new budgets
   • Divorce
     • Turning a joint plan into new separate ones
     • Dividing assets and liabilities 
   • Job Changes
     • Plan changes due to unexpected layoffs and forced early retirement
     • Assessing new job offers or increased income or benefits
   • Birth or Adoption
     • Budget changes for new expenses
     • Needs for life insurance, wills, trusts, guardianship plans
   • Winning the Lottery
     • Sudden windfalls of money require new ways to manage assets
     • Where to put an influx of cash
   • Retirement
     • The time you've been planning for all this time is finally here
     • How to ensure you're putting that plan to work efficiently
   • Severe Medical Issue or Disability
     • What an unexpected diagnosis can do to a plan
     • Important updates to documents and policies
   • Death of a Spouse
     • Reevaluating plans, goals and budgets
     • What to do if the one who passes was the one who handled the finances

1. Gabriel's Quote Picks of the Month:
   • "It's good to have money and the things that money can buy, but it's also good to check up once in a while and make sure that you haven't lost the things that money can't buy." - George Lorimer
   • "When a man retires and time is no longer a matter of urgent importance, his colleagues generally present him with a watch, for some reason." - RC Sherriff
2. More Unrest in the Banking Industry:
   • At the end of last year, First Republic was the nation's 14th-largest bank. As of May 1, the bank had failed.
   • How did the collapse of Silicon Valley Bank lead to a 97% plunge in First Republic's stock?
   • With some larger banks attempting to save First Republic by infusing billions of dollars into it, how did it still fail?
   • Biggest takeaway of the current uncertainty in the banking sector: diversification of deposits.
3. A Heart-Healthy Retirement:
   • Although a highly-prevalent cause of death in the U.S., why is heart disease under-discussed in the media?
   • What makes retirees within a year of transitioning from work 40% more likely to have a heart attack?
   • How having "a well-written retirement plan equals better health and wealth."

1. The Future of Social Security:
   • The recent negative headlines about Social Security have some people worried about their preparedness for retirement. 
   • What are some possible solutions to ensure the fund's solvency for the long-term?
   • How any changes made to the Social Security program could impact your claiming strategies.
   • What risks are involved with some of the possible changes?
2. Bed, Bath & Gone:
   • After a long struggle to stay in business, Bed, Bath & Beyond declared bankruptcy and will be closing all its stores.
   • What ultimately lead to the company's downward spiral?
   • The reasons why this is another prime example of the challenges that come with picking individual stocks.

1. Gabriel's Quote Picks of the Month:
   • "If you're shopping for stocks, choose them the way you'd buy groceries, not the way you'd buy perfume." - Benjamin Graham
   • "You can live to be a hundred if you give up all things that make you want to live to be a hundred." - Woody Allen
2. The Role of Wisdom in Financial Planning:
   • How does age impact wisdom, and wisdom impact your financial planning?
   • Why you should be thinking deeper about your retirement, not just surface level planning.
   • The importance of incorporating your, and other people's, life experiences and lessons into your financial planning.
3. Baby Boomers' Big Money Regrets:
   • From swimming pools and recreational vehicles to lavish weddings and more! Baby Boomers are sharing what purchases they made after retiring that they regret.

1. VORB Goes Bust:
   • Everything has pros and cons and a proper place in your planning, but we like to take a Core + Satellite approach when considering investment options.
   • How does the collapse of VORB showcase the risk of speculative investing?
2. The "Mansion Tax":
   • Los Angeles recently introduced an extra tax on homes sold over $5 Million and $10 Million in the county.
   • We're discussing why making smart tax moves can have a major impact on your wealth.
3. I Bond Updates:
   • I bonds gained popularity last year, but what are they? And how are the interest rates calculated?
   • There's been an update to the fixed rate component of these bonds, what does that mean for investors?
   • There are limits on how much you can buy, we'll share how it works.
4. Listener Questions:
   • "I'm retiring in about five years and I'm currently maxing out my 401(k), but not adding any other savings. Should I be saving anywhere else even if that means putting less in my 401(k)?" - John
   • "I have a REIT that I purchased several years ago and it's done nothing but lose money. I'm told that I can't cash it out but I got a letter from a company offering to buy it from me. Is this worth exploring?" - Amy

1. Rate Hike Déjà Vu:
   • What does this latest move by the Fed indicate about the banking industry?
   • What do the continued rising rates mean for consumers?
   • Are there any positive benefits to rising interest rates?
2. "Airbnbust":
   • Vacation rentals are facing new challenges, even as the industry continues to grow.
   • An oversaturated market is hurting individual owners/hosts while short-term rental demand has never been higher.
   • We'll explain what could have caused the run up in costs and the oversupply in the market.
   • Plus, the unique impacts being felt across communities and neighborhoods.
3. Listener Questions: 
   • "I just paid my last tuition payment, so my kids are officially off the payroll. Is it safe to cancel my life insurance at this point? - Tom
   • "I'm not retiring for another five years, so I don't feel the need to be ultra-conservative with my money, but my wife keeps insisting that she wants to be more secure. Just how secure do I need to be at this stage?" - Jim

1. The SVB Collapse:
   • The 10-step timeline of events that led up to the SVB failure.
   • Thoughts on what this means for investors and the broader banking industry as a whole.
2. Understanding Investor Personalities - Part 2:
   • The Doomsday Prepper: When you're always concerned that the worst is going to happen.
   • The Odd Couple: When your financial views and goals are misaligned with your partner's.
   • The Trend Follower: When the "fear of missing out" forces you to hop on the bandwagon.
   • The Googler: When you're searching all corners of the internet for information and become overwhelmed.
   • The Model Citizen: When you've diligently saved money all your life but don't spend it or enjoy it.

1. Understanding Investor Personalities:
   • The Burned One: When trusting just doesn't come very easily to you anymore.
   • The Do-It-Yourselfer: When you've got it all handled by yourself and don't need any outside help.
   • The Price Shopper: When finding the best deal at the lowest possible price out there is your top priority.
   • The Over-Analyzer: When "analysis paralysis" tends to take over control of your decision making.
   • The Ostrich: When you catch a case of "hope-itis" and cross your fingers that it will all just work out.

1. Gabriel's Quote Picks of the Month:
   • "The best way to teach kids about taxes is by eating 30% of their ice cream" - Bill Murray
   • "The world is divided into two groups—the people who do things and the people who get the credit" - Dwight Morrow
2. Spring Cleaning for Your Finances:
   • Budget and cash flow review
   • Consolidate financial accounts
   • Review asset allocation to ensure alignment
   • Organize insurances
   • Reupdate your overall financial plan
3. A Bit More on Asset Allocation:
   • "Vanguard Sees Global Equities Trouncing U.S. Stocks Over Next Decade"
   • An overview of these capital market assumptions and forward looking projections
   • This prediction would mean a major shift in where growth will be coming from
   • Why all this makes diversification so important
4. Getting to Know Steve and Gabriel:
   • Would you rather have a personal maid or a personal chef?
   • What's the worst haircut you've ever had?

1. Listener Questions:
   • "I've talked to a financial advisor and I like him a lot. But how do you know if someone is trustworthy or not?" - Wayne
   • "I've been stressed at work for a long time, and honestly would have left years ago. However, each year I receive a sizable retention bonus so then I decide to stick it out until I end up frustrated again, right before my next bonus. It feels like a viscous cycle. When should I walk away from this without feeling stupid?" - Larissa
2. Different Income Planning Ideas:
   • How "worst-case scenario planning" and stress-testing sets the table for a good income plan
   • The Bucket Planning Approach
   • The Flooring Method
   • Hybrid Planning
   • Why we feel these planning methods are better than a Monte Carlo simulation and also offer greater peace-of-mind

1. This 'Lazy Way' of Financial Planning Should Be Banned:
   • What is a Monte Carlo simulation and how are the results generated?
   • What factors could generate vastly different and unreliable results for the exact same client?
   • Why the "safe" withdrawal rate isn't really safe
2. 5 Habits to Feel and Stay Young in Retirement:
   • The importance of creating structure to your day
   • Why breaking up the routine is crucial as well
   • Retiring doesn't mean you should leave your social life behind
   • Healthy eating and exercise are keys to a longer life (and retirement!)
   • Getting involved can help you live a retirement life with purpose

1. Medicare 101 - The A, B, C, D's of it All:
   • Answering key questions about Medicare from signing up, what it covers, and what it costs.
   • What are Parts A, B, C and D?
   • Clearing up some common Medicare misconceptions.
   • What is Medicare Advantage, and are there any disadvantages to this optional plan?
2. Steve's Quote Picks of the Month:
   • "Accomplishing the impossible means only that the boss will add it to your regular duties moving forward" - Doug Larson
   • "Wall Street is the only place that people ride to in a Rolls Royce to get advice from people who take the subway" - Warren Buffett
3. Getting to Know Steve & Gabriel:
   • What habit do you want to break but haven't been able to?
   • Who would you most like to sit beside on a 10-hour flight?

1. How Long Will $1 Million Last?:
   • Recent data shows retiring with $1 million in certain states might not be enough.
   • What states can you stretch $1 million the furthest?
   • According to a 2021 study, Florida, South Carolina, and Arizona were the most popular states to retire to, do you think they fall on this list?
2. Fighting Back Against IRS Scams:
   • In what ways will the IRS contact you? Will it be by mail, email, or by phone?
   • What are the latest scams you should watch out for this year?
   • Received a call from Taxpayer Advocate Services? Find out if they're a real organization.
   • What is the key way to protect yourself if you believe you might be the target of a scammer?

1. The Looming Debt Ceiling:
   • Why the debt is continuing to climb to this limit.
   • Why just raising the debt ceiling is difficult.
   • So why not just do away with the debt limit altogether?
   • And what might happen if this doesn't get resolved?
2. New Year Planning Checklist:
   • Do I need to make changes to my planned income this year?
   • Should I take Social Security in 2023?
   • Do I have a plan to handle market volatility?
   • What's my plan for excess cash this year to help offset the effects of inflation?
   • Should I reassess my core financial priorities?

1. 4 Retirement Numbers Savers Should Know:
   • What 25% represents...
   • What happened in the year 1931...
   • What you can do with $22,500...
   • What 41.7 is the average of...
2. 24.5 Million Millionaires:
   • With the cost of living increasing, $1 million is not what it once was.
   • Why people are surprised by what 4% of $1 million is in retirement.
   • Is $3 million the new $1 million?
3. Listener Questions:
   • "I turn 72 this year, so I'll have to start taking money out of my IRA, even though I don't really need it. Can I just take it out and reinvest it right back into something else?" - Ellen
   • "Should I be doing anything besides 529 plans to save for my kids for college or is that still the best option?" - Matt

1. The Non-Stop Tanking of TSLA:
   • Staggering stats on Tesla's stock price and YTD performance
   • How activity like this relates to the greater picture of "concentration risk"
   • Is this the bottom for the stock or will we see more declines?
2. Review of 2022 Forecasts: Wrong or Right?:
   • Looking back at Wall Street's 2022 targets for the S&P 500
   • Many unpredictable events happened this year which shows just how hard it is to guess what the market will do
3. Secure 2.0's Retirement-Related Provisions:
   • 401(k) impacts such as changes to enrollment, plan access, "catch-up" contributions, employer match options, and more
   • Age increases for RMDs next year and over time
   • Changes to the use of money in 529 college savings plans
   • Plus more!

1. Investor Smorgasbord
   • What to make of the recent CPI and inflation data
   • What this could mean for the possibility of a recession
   • FTX imploded and the CEO was arrested and charged
   • Why what happened has been called "unsophisticated" and "old-fashioned embezzlement"
2. The Financial Truths in Grandma's Wisdom:
   • "When it rains, it pours"
   • "You never know"
   • "A bad apple spoils the whole barrel"
   • "I heard it straight from the horse's mouth"
   • "If your friends all jumped off a bridge, would you do it too?"
3. Getting to Know Steve and Gabriel:
   • Are you for or against permanent Daylight Saving Time?
   • What is your favorite season of the year?

1. Year-End Planning Checklist:
   • Observe the impacts of sequence of returns, if you're taking income
   • Double check your planned retirement date to confirm if it is still realistic
   • Calculate your withdrawal rate percentage
   • Review CARES Act distributions and repayments
   • Have an inherited IRA? You may need to take RMD's
   • Understand the changes to FSA spending rules
   • Consider bunching your charitable giving
   • Review all your various insurance coverages—yes all of them
   • Consider a Roth Conversion
   • Engage in Tax Loss Harvesting
2. Listener Questions:
   • "My husband is 13 years older than me and he's retiring next year. The only life insurance that he has is provided by his job, so he will have none when he retires. Should I take out a policy on him since he is older than me?" - Jane
   • "I have been seeing conflicting answers so I thought I would ask you. What is the better life insurance—term insurance, universal life or whole life?" - Ted

Read below for hints at the quiz questions and tune in to see how many Steve gets correct!

1. Retirement Fact or Fiction:
   • An ______ retirement is not realistic for many
   • Relocation is the ______ for retirees
   • It is unlikely you'll be ______ and unable to ______ healthcare in retirement
   • It's normal to feel some ______ about your future
   • It is too late to start ______ in your 50s
   • ______ is key to financial success
   • Retirement is a time of ______ for most people
   • ______ is more valuable than money
   • Retirement is the day you ______ all work ______
   • Retirement lasts a long time and ______ go beyond the ______
   • You'll be better off if you stay ______ and ______
   • Most people need a ______

1. Preparing for the Retirement Marathon:
   • Things you do ahead of time to set yourself up for peak success during the race.
   • Once the race clock begins, you can't start it over. Why having a plan ahead of time can help you finish the race.
   • You'll undoubtedly face different, and sometimes unexpected, conditions throughout the race. So how can you plan for those?
   • Remember: it's a marathon, not a sprint. Pacing yourself, and your spending, is important.
2. End-of-Marathon Planning:
   • Join us for a quick walkthrough of the important elements of Estate and Long-Term Care Planning.
   • First items you should get in place, e.g. a trust, wills, POAs.
   • Creating a communication plan for your wishes, your intentions, and the documents you've prepared.
   • Should you have LTC insurance? And if you should, what kind is the best to have?

1. Is the Grass Greener?:
   • Should you be doing something different with your portfolio when the market is down?
   • Is there someone out there who knows exactly when to move your money out of the market to avoid losses?
   • Are there ever times when the fence is worth jumping over for greener grass?
2. Listener Questions:
   • "I almost got out of the market before it dropped down recently. Now I'm back to where I was before. Should I get out now?" -Ellen
   • "I had kids later in life and now I am almost 60 with twin boys heading off to college soon. I want to be able to help them financially through college but I also want to retire eventually, too. What should I place a higher priority on - their college education or my retirement?" - Jesse
3. Get to Know Steve and Gabriel:
   • Would you rather have a pause or a rewind button in your life?

1. Gabriel's 'Quick Hits': 
   • Social Security COLA for 2023 is the most since 1981
   • Increased 401(k) and IRA contribution limits for 2023
   • Tax bracket adjustments & standard deduction increases
   • Average college tuition costs have declined  
2. Financial Warning Indicators: 
   • No idea what your budget is for your retirement years
   • Only focusing on the "retirement number"
   • Not having sources of tax-free income in retirement  
3. Listener Question: 
   • "I've always been a more aggressive investor. I like seeing my money grow. At what age should I begin getting more conservative?" - Art

1. $31,000,000,000,000 and Counting:
   • Congress has placed a "cap" on how much the government can borrow, and at the start of the fiscal year the debt has reached $31 trillion, and $31.4 trillion is the borrowing limit.
   • However, this year's deficit will decline by an estimated $1.7 trillion.
   • So, what's the difference between the deficit and the debt?
   • What is the impact of all this on consumers and possible future tax ramifications?
2. Sharing Stories: When Emotions Impact Your Planning:
   • It's no secret that your emotions can play into your decisions and reactions across all areas of life.
   • We're sharing stories about some of the more common emotions with regards to investing:
     • Greed
     • Fear
     • Hope
     • Pride
     • Joy

1. The Rollercoaster Ride:
   • What options are available to you as we ride out this rollercoaster market ride?
     • Do nothing?
     • Abandon your plan?
     • Let your emotions drive your decisions?
     • Try to buy the winners and sell the losers?
     • Look at non-market options?
   • There are pros and cons to every approach when handling difficult markets, we'll discuss some main points to consider if you are ready to take action.
2. Calling the Plays - Getting Into Victory Formation:
   • The 'Retirement Red Zone' and why this time is critical that you don't get tackled for a loss.
   • Does the coach make a difference? Why you should find one who fits your needs and your investing philosophy.
   • Victory formation: Not taking unnecessary risk when you've already won the game.

1. Three 75-Basis-Point Interest Rate Hikes in a Row:
   • The Fed raised interest rates yet again in another attempt to rein in inflation.
   • What can we expect over the next few months and quarters? Should we anticipate more rate hikes?
   • Are we in a recession right now? And what are the major drivers of a recession we should keep an eye on (e.g. unemployment, mortgage rates)?
   • How does all of this impact the stock market and your investments?
2. What's Hiding in the Fine Print?:
   • Does your traditional Long-Term Care policy have premium rate increases?
   • Are there any hidden fees in that variable annuity?
   • Watch out for mutual funds with a performance history that is "back-tested."
   • Can you ever get your money out of that REIT?

1. Maslow's Hierarchy of Needs:
   • We're dissecting Maslow's Hierarchy of needs and sharing how it applies to your every day life.
   • What does it have to do with your money?<
   • What are the financial parallels with the pyramid tiers and how do your finances impact you in each level?
2. "Tax Filing Should Be Simple":
   • The Inflation Reduction Act included $15 million for the Treasury Department to study the development of a free federal tax-filing system.
   • What could this mean for the future of tax preparation and filing in our country?
3. Listener Questions:
   • "I'm almost 60 years old and I don't have any money yet in Roth IRAs. Should I start converting some IRA money to Roth over the next few years?" - John
   • "I'll be inheriting about $250,000 after we settle my mother's estate in the next few months. I could use this money for a lot of different things like paying off debt or saving it for my own retirement. But part of me feels uncomfortable using my mom's life savings to clean up my mess. Do you have any suggestions for how to navigate this?" - Don

1. Capital Market Assumptions - The Experts Predict:
   • What are capital market assumptions and what are the designed to do?
   • How can these forward-looking forecasts help you in your long-term planning?
   • How and why do major investment & research firms like Blackrock, Morningstar, Vanguard, and Research Affiliates change their predictions based on market behavior?
   • We'll share ways these forecasts are used to model portfolios and potential performance.
2. Elements of Satisfaction:
   • The elements to satisfaction in retirement planning
   • What, finances aside, are we trying to provide to our clients when building them a plan?
   • Peace-of-mind, confidence to spend, independence: What can you do to accomplish these feelings of satisfaction?

1. The Student Loan Forgiveness Plan:
   • Who is going to see their federal student loans forgiven?
   • How do you know if you qualify for the forgiveness?
   • Insights into the controversial nature of this topic
   • What are the presumed economic impacts from this?
2. Marketing Manipulation:
   • How headlines like "Invest Like the 1%" and "Hedge Funds For the Rest of Us" have gotten popular and garner a lot of attention
   • Why marketing companies try to elicit emotional and instant reactions with their messaging 
   • Do these marketing companies have compliance oversight or regulations in the financial industry?
   • Are there people with hidden agendas behind the messaging?
3. Getting to Know Steve and Gabriel:
   • If you could only eat one thing for dinner for the rest of your life, what would it be?
   • If you could live during any other time period in history, when would it be?

1. The Inflation Reduction Act:
   • Key provisions to pay attention to as they may impact you and we'll share when the changes will begin.
   • Prescription drug benefits, premium tax credits for the ACA, hiring more IRS staff, and more.
   • Changes to Medicare Part D such as out-of-pocket costs cap and "smoothing," premium increase limits, and other benefits to Medicare recipients.
2. Pop Quiz!:
   • What cleaning supplies contain VOCs (Volatile Organic Compounds)?
   • What percentage of households typically do spring cleaning every year?
   • What area of the bedroom did researchers find contains more germs than a chimpanzee bed?
   • Which of these cleaning activities does not reflect the calories burned by a 150-lb person for one hour of the activity?
   • Which household products are not recommended as safe cleaners by the Environmental Protection Agency?
   • When people do "spring cleaning," what part(s) of the house do they typically prioritize?
   • Researchers have found how many types of bacteria on a kitchen sponge?
3. Listener Question:
   • "I have a financial advisor who has done a good job for me, but my brother always tells me I could be doing better. Should I listen to my brother or tell him to leave me alone" - Pete

1. Social Security Raise Ahead in 2023 :
   • Current assumptions show a huge jump in 2023 due to inflation.
   • Just how much of an impact could that make for retirees?
   • What else should you be aware of with a Social Security raise like this?
2. The Procrastination Problem:
   • Reasons procrastination might be stalling your retirement planning.
   • Have you been "hitting the snooze button" on important planning decisions?
   • How to overcome procrastination challenges.
   • The importance of thinking longer-term and not only the immediate consequences.
3. Listener Question:
   • "You often talk about having retirement funds in different tax buckets. Do you recommend residents of Illinois contribute to Roth 401(k)s? I ask because I believe contributions to a Roth would be taxed as ordinary income, however contributions to a traditional 401(k) would not be taxed by Illinois now or at the time of withdrawal. Seems like you are incurring the 5% (roughly) tax unnecessarily?" - Jeff P.

Next, they'll discuss times that they've found themselves "going against the grain" in terms of their financial planning advice. Join us now for this discussion!

1. The Inflation Reduction Act of 2022:
   • Will the effects be felt immediately or longer term?
   • Expanding ACA subsidies and the impacts on premium tax credits
   • Prescription drug pricing reform and Medicare costs
   • IRS funding and tax enforcement
   • Plus more!
2. Going Against The Grain:
   • Using life insurance in retirement planning
   • Never having any debt
   • Have 6 months worth of cash for emergencies
   • Buying an annuity

1. The Mega Millions Jackpot Surges:
   • What should you do if you were to win?
   • Should you take the lump sum or opt for the payments over several years?
     
     
2. The Fed is At It Again:
   • The Federal Reserve again lifted interest rates by 0.75%.
   • Why are they doing this, and will it continue to slow down the economy?
   • What could happen at their next meeting in September?
     
     
3. Grading the Gurus & Their Advice:
   • Phil Orlando (an Equity Strategist) says the market will decline further over the summer, and he favors value stocks over growth stocks.
   • Sam Robson (a Financial Author) says the bear market is a fantastic opportunity for long-term investors; long-term being the key phrase.
   • Robert Kiyosaki (an Author) says a market crash is coming and to buy gold and silver. 
   • Grant Soliven (Columnist and Financial Advisor) says to beware of making emotional decisions in turbulent times. 
   • Chris Orestis (head of a national retirement resource organization) said if it were him and he was about to retire, he would delay it a year or two.
   • Warren Buffett (Businessman and Investor) says "The most important thing to do if you find yourself in a hole is to stop digging," and "Be fearful when others are greedy, and greedy when others are fearful."

1. What To Do When You're In Between Jobs:
   • Do you tap into your retirement savings for extra money while income is slowed or stopped?
   • Should you find a new job or start your own business?
   • How could retiring earlier than expected impact your financial plan?
2. Listener Questions:
   • "I have a weird situation. I have been funding my IRAs and 401ks over the years and have close to $2 million in those accounts. But now I need cash for a home repair I wasn't expecting and only have around $5,000 in the bank. Should I take the money from my IRA and pay the penalty on it?" - Jake 
   • "I think we are at the bottom of the market and will finish way up for the year. Time to load up on stocks. Do you agree?" - Mark
   • "I'm 61 years old and have never had a financial advisor. I have made it this far on my own, so I am probably fine without an advisor, right?" - Caroline

1. Retirement Planning Pop Quiz:
   • At what age should people start saving for retirement?
   • Which of these is the best estimate of how much income you'll need in retirement?
   • Which of these do you find that retirees fear the most?
   • Which of these examples best represents a diversified retirement plan?
   • To make sure you don't run out of money in retirement, only withdraw _____ percent from your portfolio each year.
     
     
2. Getting to Know Steve & Gabriel:
   • What is your favorite cereal, now and when you were a kid?

1. Financial Advisor "Red Flags":
   • Biases and the way advisors think
   • Not getting what you need from who you like
   • Too much technical jargon, not enough valuable communication
   • Overconfident market predictions
   • All upside, no downside
   • Family ties
     
     
2. Listener Questions:
   • "According to Terry Savage, Suze Orman, and my tennis partner, I should be buying I Bonds. I've never done anything like this before. What do you think?" - John
   • "I am curious how Savant is fairing during this Bear Market. Is their level of diversification standing up better than most?" - Tom

• The Fed raised interest rates again in hopes to cool inflation, what does this mean for investors?
• Are we going into a recession? If we do, what could happen to the market?
• We've officially entered Bear Market territory - we'll explain what that means.

• To infinity... and beyond! The new "Lightyear" movie premiered June 16.
• Caterpillar joins Boeing by making a major move.
• From an EF-0 tornado to a heatwave, Chicago weather continues to keep us on our toes.

• "I'm interviewing and comparing a couple of different financial advisors. What metrics are most important to compare them on?" - Randall
• "I am not going to spend through my savings during my life and I'm going to end up leaving a lot to my kids. They'll probably be in their 40's or 50's and I feel like they could use the money more now. Should I start gifting them money now versus leaving them a big chunk for later?" - Ruth

• The surprising fact about your net worth
• When boredom begins to creep in
• Struggling with spending guilt
• Many years in retirement

• Are you too much of a risk-taker?
• Risk assessments: how to identify a disconnect between your feelings about risk and your portfolio
• Ways to reconcile the risk with your retirement money

• What kind of books do you like to read?

• Is the market going to go up or go down?
• Should you always pay off your house as soon as you can?
• Should you ever use credit cards?
• Are individual stocks better than buying mutual funds or ETFs?

• What are you planning to do in retirement, and how will you pay for it?
• Health insurance and ensuring there are no gaps in coverage
• Reducing or eliminating debt before retiring
• Planning your income sources and Social Security benefits

• "I am pretty much ready to retire, but I won't be old enough for Medicare for another six months. Should I just tough it out until then?" - Paul

• Based on number of listens, downloads and our growing listenership, we will share the top 3 most popular episodes

• Steve and Gabriel will share what their favorite episode so far is, and why!

• We wrap up the episode with some interesting questions that the guys didn't get to see before the show!

• "What should I do with my portfolio right now?"
• "I'm worried the market is going to go down further and a recession is coming. Should I sell to cash and ride this out?"
• "What are you doing in my portfolio right now?"
• "How much further is the market going to go down?"
• And more!

• Two things you need to do when investing in the stock market
• How to successfully navigate the persistent volatility we're experiencing
• Is this the same old story we've heard before?
• What is causing this market volatility?

• Recapping an article we found online, we're sharing things that you might be wasting money on that can really add up over time
• Ways to spot these extra costs and cut them out

• Would you rather have only green lights for the rest of your life, or never have to wait in line ever again?
• What is your cure for the hiccups?

• What are the empty calories that could be in your financial plan.
• How added sugar in your plan could be really bad.
• What should you have in your "pantry" and why it's important to know what you do and don't have.
• Why trans fats are so tempting, but might be unhealthy to have in your financial plan just like your diet.
• How to determine if you have a healthy plan.

• Volatility
• Diversification
• Capital Gain and Capital Loss

• "There's been a lot of media coverage lately on the inverted yield curve. What does that mean? When it occurs do you suggest any client action as media coverage usually mentions it has often preceded recession periods?" - Jeff P.

• Filing an extension - why it matters if you owe or if you are getting a refund.
• What you need to know now if you plan to use MyTax Illinois to file your state tax return.
• For those who took advantage of the child tax credit payments, how might that impact your taxes?
• Why your large refund is the same as giving an interest-free loan to the government.
• How tax planning is different from tax preparation, and how it can make a huge difference in your overall wealth.

• There are tons of misconceptions about what life insurance can offer in financial planning, which means many investors don't think about it outside of its traditional uses.
• We will cover other ways life insurance can be a critical part of your financial planning, beyond just the death benefit:
• Life insurance for tax-free retirement income
• Life insurance as an alternative to a 529 Plan
• Life insurance for estate planning
• Life insurance for long-term care
• Life insurance as a cash alternative

• What is the spiciest food you've ever eaten?
• Do you think we're alone in this universe?

• How much income or asset growth is needed to offset inflation?
• How much income will Social Security provide in retirement?
• What is an ideal, or safe, withdrawal rate?

• Quarter-end bond statements might be surprising to many investors, as the bond market has experienced its worst performance in recent memory.
• What options exist for you? Should you look into replacing your bonds, or ride out the storm in anticipation of a rebound?
• What about that extra cash that you may have otherwise put into bonds, what bond-alternatives can you explore?

• New York, Atlanta, Los Angeles and more! We're sharing some unique and adventurous locations near big cities that you may not know are out there.

• Should your lineup consist of only home run hitters, or is playing "small ball" the real way to win?
• How can you pick hitters that can handle the curveballs and fastballs that may come your way?
• The "Moneyball" approach to building your team - data, research, & analytics
• In baseball, five-tool players possess five specific skill sets. In investing, it's impossible for one single investment to cover all five core priorities. We'll share how to build an all-star lineup to cover them all.

• "I've got all my money in all tax-deferred IRAs and 401(k)s, should I move some of it somewhere else to be more diversified?" - George
• "I'm looking for safe money options but I don't know where to turn. I've looked at bonds, annuities, cash but everything has pros and cons and I don't know which one to pick." - Karen

• "What is the silliest way you've gotten injured?"