Teach and Retire Rich

We catch up with Jeremy Schneider, a founder of Nectarine, an innovative advice-only service that provides access to a fiduciary advisor on an hourly basis. He updates us on the growth and the new services being offered.    Nectarine March 2024 Pod with Jeremy Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed...

What is it? How to use it to change contribution amount. We also talk new 2026 contribution limits.  403(b) Basics Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Scott and Dan share their financial resolutions and discuss their favorite book, movie and TV show from 2025. They also discuss the penny's lucrative goodbye.  Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financia...

Teachers who collect a pension, Social Security, and draw income from a non-Roth retirement account may face an additional Medicare tax. Lucretia Ryan of Financial Freedom for Women breaks it all down. Why Am I Paying an Additional Medicare Tax? Financial Freedom for Women More Dirty Little Secrets of Medicare "Advantage" (YouTube) Dirty Little Secrets of Medicare "Advantage" Learned by Being Burn...

On the 25 year anniversary of the blog post that identified the 403(b) grinch we ask who today is to blame for the blight of the 403(b)? How the TPA Grinch Stole the 403(b) Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certi...

Vanguard raises admin fees on 403(b) plans (again). CIT 403(b) legislation is back in the news. Equitable hits dubious milestone. New financial term.   April 2025 Admin Fee Increase Et tu, Vanguard pod? Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can...

Bay area math teacher and Instagrammer Bree Lee talks teaching and running her popular financial Instagram account Ritual Finance.   Ritual Finance Instagram Bio 2023 Interview Free Retirement Guide Money Guide for CalSTRS Members Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investm...

The market is largely being driven by a handful of Artificial Intelligence-focused companies. Is it time to diversify?   Should You Buy at All-Time Highs? Global Diversification Is Still Working University of Missouri Risk Tolerance Assessment Financial Visualization of Markets (finviz.com) Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management...

Age-50 contributions are changing in 2026. Here's what you need to know.  Treasury, IRS Issue Final Regulations on New Roth Catch-Up Rule Catch-Up Contributions for Higher Earners in 457(b) Plans: What You Need to Know (Kiplingers) Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as invest...

Lucretia Ryan of Financial Freedom for Women shares the tricks and traps of Medicare "Advantage" in this recorded 403bwise Event.  Financial Freedom for Women Presentation Slides Video of Presentation Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be...

Baltimore City Public Schools is going single vendor. Third-party administrator Omni-TSACG who oversees the current plan that features numerous red-rated vendors is sad. Current Baltimore City Public Schools vendor list Omni-TSACG letter Scott's Rebuttal to Omni-TSACG letter Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing present...

Tricks and Treats: Vanguard in a little hot water; Florida doing the right thing; NEA Member Benefits targeted; Equitable doing Equitable things. Vanguard Conflicted Florida Putting State 457(b) Out to Bid Congress Investigating NEA Member Benefits Equitable Doing Equitable Things Joey Running Tribute Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth...

Dan's wife, Amanda, had more than $50,000 withheld from her 401(k) plan. This wasn't money that was a match. It was her money. She was recently featured in a  Wall Street Journal story on 401(k) theft. Scott and Dan discuss the story.  Her 401(k) Contributions Vanished—and Her Company Had No Answers (WSJ) Search 401(k) Form 5500 Filing Learned by Being Burned  (short pod series about K-12 403(b) i...

Barb O'Neill, CFP®, AFC®, walks us through 403(b) withdrawal strategies in retirement. Transitioning From 403(b) Saver to Post-Career Spender (blog post w/resources) Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Fi...

We had a blast speaking with North Carolina educator/retirement plan advocate, Daniel Noles. Not only is he helping colleagues get wise to saving for retirement, he makes his own kids listen to our pod. But don't hold that against him! As he closes in on retirement he's considering a second act as a financial advisor.  Gaston County Schools - D plan but excellent 457(b) option Educator Turned Advi...

Jeff Santoro is an educator from New Jersey and Jason Hall is a financial writer and analyst. Together they host the Investing Unscripted podcast. We talk about getting wise to saving, music, and even engage in a little stock picking.    Investing Unscripted West Windsor-Plainsboro Regional School District Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian W...

We share our recollections of, and interactions with, the former Wall Street Journal columnist, founder of HumbleDollar.com, and friend of 403bwise.   No Regrets Farewell Friends Thank You, Jonathan Podcast with Jonathan Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax...

Our guest, Danny Kofke, is a jack-of-many-trades: elementary school teacher for 18 years, author of 6 books including Where to Spend. Where to Save. A Teachers Guide to Managing Your Finances , and Director of Training and Outreach for the Southern Education Retirement Consortium.  Danny Kofke Where to Spend, Where to Save: A Teacher's Guide to Managing Your Finances Southern Education Retirement...

Student loan guru and former teacher, David Gurley, who we have dubbed the "Loan Ranger," returns to update us on the ever-changing world of student loans.  K-12 Planning studentaid.gov Student Loan Planner Student loan repayment plans have shifted — and more changes are ahead. Here's what borrowers need to know (CNBC) Student Loans Are About to Look Very Different (NY Times) Learned by Being Burn...

The managing director for Morningstar Research Services and the author of the Substack column Basis Pointing , Jeff Ptak, talks saving and investing.  It's So Simple Substack: Basis Pointing Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured f...

The One Big Beautiful Bill Act (OBBBA) has a lot of pieces, some of which affect educators. Barbara O'Neill gives us the 411 on this legislation.  An OBBBA Summary for 403(b) Plan Participants Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured...

Lucretia Ryan of FinancialFreedomforWomen.org walks you through the questions to ask to determine when to take Social Security. This is a recording of a 403bwise.org Event that occurred on August 19, 2025. FinancialFreedomforWomen.org Presentation Slides Most Americans Claim Social Security at the Wrong Time Podcast: Dirty Little Secrets of Medicare "Advantage" Learned by Being Burned  (short pod...

Nick Maggiulli, Chief Operating Officer for Ritholz Wealth Management, discusses his blog Of Dollars And Data and his new book The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life .  The Wealth Ladder Of Dollars And Data Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construe...

Long-time educator, basketball coach, and personal finance instructor, Julius Prezelski, discusses teaching, coaching and his recent retirement. Long Time Basketball Coach Fin Lit Educator Retires Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be sec...

Dan and Scott drop hint about new project they are working on. They also talk about their recent vacations, and the importance of choosing the right teaching location.   Learned by Being Burned  (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certifie...