He Said She Said the Money Guide Podcast

Please keep your IRA beneficiaries up to date. Stashing cash throughout the house, perjury from a hardship withdrawal, how $99 in bets costs nearly $740K and Apple joins the AI crowd. Plus more on inflation and Gamestop.

Or so it seems from the latest meme stock frenzy. Graceland to auction? Beware of the Augusta, student loan rates are increasing and the IRS is waiving penalties for failure to take distributions from inherited IRAs. Yes…again.

Market insanity around meme stocks and one stock ETFs. FTX account holders to be made whole (unless the hedge funds got to you first) and hospitals demanding payment before surgery. Plus the rent vs buy dilemma and the danger of winning the marathon and finding out years later.

Do we have a winner? It certainly is not the Oracle of Omaha. Does everyone want out of Florida, how selling your house has gotten more expensive (especially in MA) and watch out for that back door Roth conversion. Plus good new for the cannabis industry.

She loves her new Highlander. Buy Now Pay Later impacting your credit score, job scams targeting young people and many people are retiring earlier than planned.

You might have to take distributions every year over the next ten. Unless you don't. That should clear it up. Plus non-competes banned, the gap between your current mortgage rate and a potential new one is bigger than ever. Plus GM may not have been completely forthcoming.

Tax Day Fun – hope you didn't roll over that $1 million SEP into a regular account accidentally. Tesla heading south.  So is DJT. Yet another security breach, this time at AT&T. Plus $100 commissions for some ETF purchases at Fidelity and technology to monitor your bathroom use. That was not a typo.

Satellite images can impact your home insurance. Which states are seeing the largest increases? That 529 to Roth rollover might be taxed in your state. Plus college costs approach $100K annually and you can now leverage your bet on Bitcoin. What a break?!

Hint: you were probably sold the Advantage plan. Are ESPPs a no-brainer? File your taxes or the IRS will come knocking…eventually. Plus you may get charged to email with your doctor.

Those 6% commissions could be a thing of the past but how will this impact the market. Buyers' brokers, sellers' brokers and underlying home values. Closing costs are on the rise, mostly due to interest rate buy-downs.  Smart or not so much?

It could be why your car insurance went up. Inflation is under control, Bitcoin is not. A parlay to cover your college loans might not be the best decision and no, your 401(k) is not in danger of being seized.

There are more $100 bills than any other denomination.  Hmmm. Nvidia knocks off Meta for the one-day growth record, the market rolls on but your appliances might not. Plus Jay vents about Chase.

Yes, seriously. Tax bills for iBonds, a dating app based on  your credit scores (yes, seriously) and carrying a mortgage in retirement. Plus NVDA reports earnings.  Can we get a giddyup?!

Americans are turning 65 at a record pace, student loan payments may be eligible for a 401(k) match and that HELOC has gotten expensive. Plus non-auto insurance and guidelines for converting your 529 to a Roth IRA.

Yes, inflation impacts girl scout cookies. META with the largest one day market value increase in history, custom fit 401(k)s and FAFSA info not getting to colleges until March. Plus a special grandparent 529 discussion.

Update on Mr. Treasuries. Tax time is here…but don't rush to file. Home sales at their lowest level in a generation, IBM wants everyone in the office and beware of QR codes.

Celebrate or panic? Bitcoin ETFs are here, Hertz is slashing their electric vehicle inventory and Capital One's High Yield Accounts may not be offering high yields.  Plus Homeowner's insurance and solar.

Too many stats available to throw Mr. Treasuries under the bus. Jay's tax nightmare wasn't so bad after all, the market keeps rolling and your social security is probably taxable. Plus..Robinhood poaching clients with significant assets and the dangers of Buy Now Pay Later plans.  Plus plus the cars doctors drive.

A record setting contract with some interesting terms, private equity buying up neighborhoods, issues with the IRS and a checklist to close out the year.

Not our advice but apparently a popular book. Also not advising anyone to read it. November was fantastic across the board, repair costs for that EV might shock you, and weight loss drugs are the hottest thing going. Plus a sad farewell to Charlie Munger.

Sam Altman gets fired and rehired in days. CZ from Binance agrees to jail time, IBM changes their 401(k) match…again, and Dave Ramsey says you can withdraw 8% of your assets per year.  We think he's a fool. Plus, employees are making more money, getting more paid time off and have a more flexible schedule.  It only follows that they're grumpy?!

That would be the client going all in on treasuries.  Inflation is down and the market is up.  For the year, the market has soared (see the Nasdaq) while the market has gone nowhere (see the Dow).  SBF found guilty on all counts.  Cheryl explains why she will never touch Medicare Advantage, beware of free dinners thanks to Florida Auto Glass shops and watch out for social security coming back for...

Some people just don't know their candy.  It wasn't on our agenda but buying real estate in Florida, prenups and trusts.  Plus a woman uses her jailed husband's IRA, moves and leaves him with the tax bill.  Or does she?  Plus plus don't forget open enrollment and watch out for companies who want their signing bonuses back.  Maybe it was too good to be true.

Following another shaky week, a run to treasuries could prove costly.  Real estate rules in NYC could be changing, home insurance in Florida is going off the rails and Bitcoin spikes.

Seems like we finally agree on one thing.  Dumb math is just…dumb. Millenials are saving more than their parents did for retirement, social security gets another bump and MA, FINALLY, is increasing the estate exemption.  Is it enough to stay there? Plus more on SBF, women truckers and Cheryl's lease conundrum.