MoneyMD

Episode 650: A confident answer isn't always the right one. Discover why AI can overlook the details that matter most when making important financial decisions. Next, learn how your first job's benefits and employer perks, along with smart money habits, can set you up for long-term financial success.

Episode 649: Many budgets fail because they're too complicated. Explore a straightforward strategy that can help you manage your money and stay on track. Then, discover practical steps that can help you provide financial support to family while protecting both your finances and your relationships.

Episode 648: From brokerage accounts to 529 plans, learn how to prioritize your savings options and build a stronger financial foundation for your child. Then, discover practical steps and little-known tools that can help protect your wishes and ease the burden on your family if the unexpected occurs.

Episode 647: A few overlooked estate planning decisions can spark years of family conflict. Learn the key mistakes blended families should avoid and the strategies that can protect everyone involved. Next, explore the health insurance options that can bridge the gap to Medicare and the enrollment rules that can help you avoid costly surprises later.

Episode 646:  Whether you itemize or take the standard deduction, new charitable giving rules could affect your tax bill. Learn what’s changing in 2026. Then, discover why having a pension changes retirement planning, but doesn’t eliminate it, and explore strategies that can help military and public-sector retirees make the most of the benefits they’ve earned.

Episode 645: Bad news dominates the headlines, yet markets often remain surprisingly resilient. Learn what investors may be missing about how markets really work. Then, Ryan and Zach explore why many Americans feel financially uneasy despite record household wealth and low unemployment.

Episode 644:  Matthew and Justin talk with Josh Marbert about the technology and operations behind RYA, along with a few lighter moments and personal insights along the way. Then, discover how investing can create greater freedom and opportunity in your life, and learn practical first steps to begin building confidence for the future.

Episode 643: The famous 4% retirement rule is getting a rethink. Learn why flexibility, diversification, and real-life spending patterns may reshape retirement income. Then, Steve and Abbie walk through the real numbers, hidden costs, and practical tradeoffs that can make or break a rental property investment.

Episode 642:  Scammers are getting smarter, faster, and more convincing. Learn four common schemes targeting seniors and how to spot the red flags before it’s too late. Then, explore how the AI boom could impact the economy and markets in ways that could look very different from today’s headlines.

Episode 641: Before taking on a mortgage, car loan, or new payment, learn how lenders evaluate your debt-to-income ratio and what it reveals about your financial health. Then, explore the hidden habits and cultural pressures that can leave even high earners feeling financially stressed.

Episode 640: Abbie and Justin go beyond simple rules of thumb to explore the key financial and personal factors that can guide a more confident retirement decision. Then, learn how Medicare really works, from enrollment rules to ongoing plan changes, so you can avoid costly surprises along the way.

Episode 639: Matthew and Steve sit down with Elizabeth Fain for a closer look at her role at RYA, plus a few personal insights you may not know. Next, they explore the most important tax updates and strategies that could help you keep more of your money this year.

Episode 638: A sudden windfall can disappear faster than you think. Learn how to avoid hidden mistakes and protect what you’ve been given. Then, Justin and Zach clear up one of the most misunderstood parts of the tax system and show how to use that knowledge to maximize what you keep, not just what you earn.

Episode 637: Get to know a familiar voice in a new way as Matthew and Ryan sit down with Ginger Sprecher to talk about her role at RYA and share a glimpse into her life beyond the office. Then, learn how to handle the toughest investing decisions with confidence when markets are at their most challenging.

Episode 636: Small oversights can create big problems. Learn practical, real-world strategies to uncover gaps and strengthen your estate plan. Then, Abbie and Zach explain why even high earners can still live paycheck to paycheck and how to break the cycle for lasting wealth.

Episode 635: Market volatility is inevitable, but poor decisions aren’t. Learn how a better understanding of downturns can help you stay disciplined and on track. Then, John and Justin explain why gold is falling and what it reveals about how markets truly operate.

Episode 634: When couples retire at different times, it can reshape both your finances and your relationship. Learn how to plan wisely for a smoother transition. Then, Ryan and Abbie explain the key rules, advantages, and tradeoffs of Roth IRAs to help guide your retirement strategy.

Episode 633: On this episode, the Money Doctors discuss the correlation between after-tax returns and lasting wealth. Then, they explore flexible side hustles parents can do from home to earn extra income, ease financial pressure, and support family goals without sacrificing valuable time together.

Episode 632: Thinking about buying an electric car? Steve and Ryan do the math on EV versus gas to help you make a smart, informed decision. Then, they show you how to handle the often-uncomfortable process of car negotiation in a way that can dramatically lower what you pay.

Episode 631: Learn why starting to invest in your 20s unlocks the quiet power of compounding, and how you can begin today with clear, practical steps. Then, Justin and Abbie walk through the critical financial decisions made during divorce and how to approach them strategically.

Episode 630:  Learn how today’s most convincing Social Security scams work and the simple habits that can protect your identity and your benefits. Then, John and Steve reveal how surprises like early retirement and long-term care costs can be just as dangerous to your nest egg as a market downturn.

Episode 629: Abbie and Zach explain the rules, timelines, and limits of the new child custodial account, and how to decide whether they belong in your kid's financial plan. Then, they explore why the first five years of retirement are a critical tax window and how early decisions can either protect your income or quietly erode it over time.

Episode 628: Matthew and Justin explain how rent-to-own agreements really work and why this appealing path to ownership can carry far more risk than most buyers expect. Then, learn five common remodeling mistakes that can turn an exciting home project into long-term financial stress.

Episode 627:  John and Ryan explain practical ways to use IRA beneficiary planning to support charities while reducing unnecessary taxes. Then, learn practical steps families can take to help aging loved ones avoid costly financial mistakes, scams, and exploitation before serious damage is done.

Episode 626: Steve and Matthew explore how the next phase of the AI revolution could shift market leadership and why diversification may matter more than ever. They also explain why equity compensation deserves thoughtful planning and how managing company stock wisely can support your bigger financial goals.