New Money New Problems Podcast

You Might Already Own SpaceX: How IPOs, Index Rules, and Heavy Weightings Can Increase Portfolio Risk In this episode, we explains how investors may already own SpaceX through index funds and 401(k)s, even without knowing it. Using SpaceX’s IPO as a case study, we distinguish stock exchanges (NYSE/Nasdaq) from stock indices (S&P 500, Nasdaq 100, FTSE Russell, MSCI ACWI), how each makes money (...

Who Should Avoid Roth Retirement Accounts? Key Scenarios Where Pre-Tax May Win Join us from our new recording studio as we explain when Roth retirement account benefits like tax-free withdrawals and no required minimum distributions, are not ideal for everyone. We contrast Roth versus pre-tax taxation timing and outlines cases where Roth contributions may be disadvantageous. Scenarios include peop...

Mortgage Recasting 101 In this episode, we discuss the most important question one can ask when determining their home down payment: “Can this mortgage be recast?” Using a $500,000 home example, Brenton explains amortization schedules and how recasting works: after a lump-sum principal payment, the lender recalculates the payment to keep the original payoff timeline while lowering monthly payments...

EPISODE RESOURCES Escape Student Loan Debt Podcast July 1 Deadline Changes, SAVE Ending, New Borrowing Caps, and Myth-Busting In this episode we explore major federal student loan changes tied to the key July 1 deadline and dispels common myths about what's to come. Key updates include new borrowing caps for Parent PLUS loans and the important distinction between a "standard" gradua...

10 Things I’d Do If I Had to Start Over Financially and Professionally In this episode, Brenton shares what he would do if he had to start over at ground zero in a new city with no money or relationships, inspired by a recent article about financial advice for Gen Z. He covers 10 steps he feels would give him a leg up, from collecting and organize email addresses, to prioritizing accessible capita...

529 Plans vs. UTMA/UGMA and Brokerage Accounts: Choosing the Right Way to Save for Kids In this episode we explain how 529 plans work and why they can be powerful education-savings tools, highlighting tax-deferred growth, tax-free withdrawals for eligible education expenses, transferability to other family members, and high contribution limits including five-year front-loading. The biggest limitat...

EPISODE RESOURCES Prizm Insurance Property & Casualty Insurance for High Earners: Umbrella Coverage, Home/Auto Gaps (with Dave Olchowka) In this episode, we host Dave Olchowka of Prizm Insurance to discuss why property and casualty insurance is often overlooked yet critical for high-income and affluent households. Dave shares his 20+ years in personal lines, his move from State Farm to the aff...

When Investment Real Estate Actually Works In this episode, we break down when real estate can be an excellent wealth-building activity, contrasting last week’s case against owning one or two rentals. We detail groups for whom real estate has low acquisition costs—military veterans using VA loans and medical/dental professionals using physician loans—and how it can make it easier to keep prior hom...

Why a Single Rental Property Often Disappoints High-Income Earners (Part 1) Today we introduce a two-part series on rental property, and why a single rental property (or a couple) is often a poor wealth-building strategy for high-income earners. We cover how using a starter home as a rental can compromise upgrading to a better primary residence, using Brenton's childhood home as an example. W...

EPISODE RESOURCES RISE Student Loan Regulations Fact Sheet ...I Just Lost $33,709 Episode Repayment Assistance Plan Explained Finalized DOE Student Loan Rules: New Caps, Repayment Assistance Plan, and Default Rehab Changes (Effective 2026–2027) In this episode we share newly finalized Department of Education regulations tied to the Working Families Tax Cuts Act and explain how they may affect stud...

How I Accidentally Double-Paid the IRS $33,709—and Covered the Cash Crunch In this episode, Brenton recounts misplacing $33,709 after accidentally paying his 2025 taxes twice: he walks through how to make IRS payments and check refund status, noting refunds may take 21+ days and planning for up to 90 days. He describes telling his wife and their strained cash position due to her nine-month unemplo...

EPISODE RESOURCES Subscribe to our YouTube channel! Repayment Assistance Plan Explained 2026 IRS Tax Tables Real Estate Professional Status Requirements IRS Passive Activity Rules Third Thursday Preview: IRS Delays, Safe Harbor Payments, and the Hidden Context Behind Tax-Saving TikToks In this episode, we preview content from our “Third Thursday” YouTube series, where we add some context to the fi...

EPISODE RESOURCES Register for the Financial Symposium! Check out the Change of Plans Checklist Financial Literacy Month Horror Stories: Credit, Taxes, Insurance, Investing, and Estate Planning Mistakes In honor of April being Financial Literacy Month, we share de-identified “horror stories” from real client experiences to show how small financial mistakes can create major consequences. You'l...

EPISODE RESOURCES SAVE Plan Cancellation Press Release SAVE Plan Timeline Press Release Parent Plus Loan D-Day, Disallowed Student Loan Guidelines and Details on the Immediate Future of the SAVE Plan In this episode, we go through EXTREMELY important details on the future of Parent Plus Loans, and why many borrowers need to take action by April 1st in order to preserve eligibility for student loan...

EPISODE RESOURCES Register for the Riverside Financial Literacy Symposium! Try the Change of Plans Checklist! How Much Life Insurance Do I Need Episode Life Insurance Needs Calculator Insurance Essentials for Families: Home, Auto, Umbrella, Health, Disability, Life & Long-Term Care In this episode we discuss the key insurance types every person should consider. We review property-related prote...

EPISODE RESOURCES The Change of Plans Checklist The Holmes-Rahe Life Stress Inventory Toni Collier's Money Story Change of Plans Checklist PLUS Navigating the Financial Fallout of Divorce Join us as we introduce the New Money New Problems Change of Plans Checklist, inspired by recent life upheavals and the Holmes–Rahe stress scale.in this episode, we discuss how both positive and negative lif...

An oldie but a goodie! Check out my wife's money story, heavily influenced by her now 99 and 98 year old grandparents, Albert and Kathryne Groves! One the granddaughter of a slave, the other orphaned in his early teens and left to fend for himself, they built a financial future for their children and children's children through communication, hard work, and knowledge of how to deal with...

Black with Equity Webinar Snippet: Equity Compensation Basics, Taxes, and Diversification In this episode we recap a jam-packed week ending with a snippet from our Black with Equity webinar for Black History Month. We explain the basic forms of equity compensation, like restricted stock - a “will be yours” benefit, emphasizing grant date vs vest date, W-2 reporting, vesting schedules, and taxation...

EPISODE RESOURCES Check out the rich & REGULAR website and blog YouTube and Julien's Eat Better Series Cashing Out: Win the Wealth Game by Walking Away Rich & Regular’s Money Story: Paying Down Debt, Building a 15-Year Exit Ramp, and Redefining “Rich” In this episode, we interview Kiersten and Julien Saunders of rich & REGULAR about how their different upbringings shaped their mon...

JOIN US FOR OUR BLACK WITH EQUITY WEBINAR FEB. 27th! Register HERE Subscribe to our YouTube channel! We're back after the first Friday off in over three years! Join us as we preview the first YouTube “Third Thursdays”, a monthly Q&A format to respond to audience-submitted financial literacy videos, discuss what is real vs. fake, and address what may or may not be relevant to different fin...

EPISODE RESOURCES 2025 Federal Tax Brackets Navigating Tax Season: Common Forms, Mistakes, and Deductions In this episode of the New Money, New Problems podcast, we dive into common tax forms and mistakes that you don't want to miss during tax season. Topics range from the importance of accounting for all income sources, including W-2s, 1099s, and income from high-yield savings and brokerage...

EPISODE RESOURCES How To Set Financial Goals That Stick Goals Questionnaire 3 Ways to Pay Off Massive Credit Card Debt Why Your Financial Goals for This Year Won't Stick - In this episode of the New Money, New Problems podcast, we delve into the reasons why your financial goals for the year often fail and offer actionable strategies to ensure they stick.  We explain the importance of early re...

EPISODE RESOURCES Check Out Rahkim's Work! Overcoming Financial Trauma: A Deep Dive with Rahkim Sabree Join host Brenton Harrison in a compelling conversation with Rahkim Sabri, author of Overcoming Financial Trauma .  This episode delves into Rahkim's personal journey from experiencing financial trauma as a child to (literally) writing the book on how to overcome it! Rahkim shares his e...

EPISODE RESOURCES Sign up to receive our Financial Guide for Stay At Home Spouses! Financial Planning for Stay-at-Home and Lower-Income Spouses In this episode of the New Money, New Problems podcast, we address the financial challenges and opportunities for stay-at-home and lower-income earning spouses.  We cover the importance of financial equity within a relationship, and why both partners need...

EPISODE RESOURCES Life Insurance Needs Questionnaire What Is Umbrella Insurance? Goals and Behaviors Questionnaire Top Sites to Manage Your Finances 10 Easy Financial Wins to Start Your New Year Right In this episode of the New Money, New Problems podcast, we share 10 straightforward financial tips to kickstart 2026. Starting with automation, we explain the benefits of setting up automated transfe...