Your Money with David Hays

Catch Your Money Thursdays at 6pm and Saturday mornings at 9

Happy New Year! David is back in the 98.7 The Zone studio this week to recap 2025. Doug Hughes will be joining him for the conversation regarding President Donald Trump's year, tariffs, geopolitics, national and global economies, artificial intelligence and more.   Oh, and some love for the IU Football team as well.   Catch the first new show of 2026 this week!  

David joined thousands of Hoosier fans at the Rose Bowl this week, and this week’s show starts with an update and then an encore of last week’s show.  

As the 2025 winds down, David will share how the holiday shopping season has gone so far, including a financial markets discussion with Rod Holloway from CFCI.  Also, if retirement is in your sights for 2026, David will offer some tips to "get ready to get ready." 

This week David welcomes his father, Jerry Hays, back into the studio for their annual year-end program. David and Jerry will talk about real estate and banking (both fields Jerry has worked in), how to do retirement right and share some holiday cheer.   David will also be discussing holiday shopping for Gen Z, the Affordable Healthcare Act and what's going on with it and much more. 

This week David brings the final Q&A show for 2025, with some year-end thoughts and suggestions for 2026 as well.   Are you one to get your taxes done on January 2? David will share the planned IRS dates important for tax filing, plus share some financial tasks to consider in January.   Also on the list... how are Social Security funds managed? What is a Solo 401(k)? Is the first of the year a...

This week David welcomes back David McKnight, podcaster and author of "The Power of Zero."   David McKnight is a passionate advocate for tax planning, and he will bring that enthusiasm to the show. The conversation will focus on the benefits of Health Savings Accounts, Roth IRA conversions, target date funds for retirement planning and what he sees for the future of taxes in America over the next...

With the Thanksgiving holiday on Thursday, this week's show will only air on Saturday, November 29 before being available online.   Tune in as David discusses tax planning for 2025 - catch-up contributions, the One Big Beautiful Bill Act, Roth IRA conversions and handling finances with blended families.   David will also discuss a renewed effort from Congress to require 401(k) contributions by emp...

We've made our list, and checked it twice...   This week is our annual Holiday Gift-Giving Show. Jim Inman joins David for a fun hour of gift ideas for the young and the young-at-heart - books, games, phone apps, collectibles and more. There are even a few specialty gifts for your billionaire family members as well (a trip to space, anyone?)...   We have a full list of the gift ideas on our websit...

David is back from attending the Ed Slott Elite IRA conference, and he has plenty to share on a variety of topics - catch-up contributions, standard deductions, the One Big Beautiful Bill Act and its impact on IRAs and some potential year-end planning tips for 2025.   Also, you've likely heard of the 10-, 15- and 30-year mortgage - but what about a 50-year option? Is this a far-fetched idea, or so...

Before heading off to the Ed Slott Elite IRA Advisor conference this week, David recorded a show on a variety of topics.   The government shutdown continues (November 6 marks 36 days of closure), the Fed cut interest rates and tariffs continue to appear in the headlines. How is the US economy doing with all this going on? David will discuss that and share insights from a recent Wall Street Journal...

David is back in the studio this week, and there is much to cover!   Social Security continues to be on the minds of millions of Americans - and David will share about a conversation he recently held with a state representative on the important subject.   Also, the Wall Street Journal recently had an article on the evolution of the American worker - David will discuss some details on those changes...

Gold is a topic on the minds of many people in every corner of the world. This week Doug Hughes leads the show as he welcomes Max Belmont, Portfolio Manager and Senior Research Analyst for First Eagle Investments.   Doug and Max will discuss the history of gold, why it is so valued across the globe and the differences in gold and Bitcoin. Max also shares his insights on US and global debt, the rol...

The government shutdown is entering its second week - how have the markets been impacted? David will have a market update, as well as details on what parts of the federal government are shutdown and what is still operating.   Have you ever found a $20 bill in a coat pocket? It's money you likely forgot about... so how do people forget $2.1 trillion in their 401(k) accounts? David shares his though...

Next week begins a key period for individuals receiving Medicare benefits - the Open Enrollment period. From October 15 through December 7, Medicare recipients can make a variety of updates and changes without penalty.   To help share awareness on Medicare Open Enrollment, David welcomes Josh Norris from the office to give the basics and specifics on why Medicare recipients should look at their pl...

This week David Hays had planned to welcome Jolene Dixon from the Bloomington Social Security office to the show... but the government shutdown that began on October 1 cancelled those plans.   So, instead David pivots to The Variety Show!   What actually happens in a government shutdown? What's the different between the debt ceiling and a shutdown? David and Jim Inman will give a history lesson on...

This week David shares about a variety of news coming out of Washington, DC and across the country - how consumer auto loans are defaulting and Elon Musk's recent comments about the national debt.   David will also share about his upcoming meeting with Ed Slott to learn new insights on IRA planning - especially given the new legislation from the One Big Beautiful Bill Act.   Plus - is your teenage...

This week David provides a history lesson on the markets, taken from the New York Times newspaper over the past 100 years. Does history repeat itself, as the old saying goes? David will have some interesting stories and headlines to share.    Rod Holloway from CFCI will also be calling in with a market update. Gold continues to be a big topic - in fact, the US Treasury has $750B in gold that has n...

Mortgage rates have been on the decline since mid-July, and the 10-year Treasury has also seen a decrease. What could that be signaling? David will discuss debt-to-income ratios and share some history on mortgages over the last 50 years.   Also, David participated in a webinar with Ed Slott this week on the One Big Beautiful Bill Act - and there are more details from the legislation to share from...

It's been just two months since the One Big Beautiful Bill Act was signed into law... but questions remain about various aspects of the legislation. What are the financial accounts for newborns? How is overtime going to work in the future... and are there ways to prevent people from abusing the feature? Is tipping going to become a new method of employment, if there is no taxing on tips? How do Am...

As we head into the long weekend - and the first weekend of Indiana University football - it's time for the next Question-and-Answer Show. David and Jim Inman will be in the studio with a number of your questions, including: What's the difference between a 529 plan, an UTMA and an UGMA? What happens to the funds in a Health Savings Account (HSA) when someone passes away? Why is it important to det...

You've heard of CPI - the Consumer Price Index - but have you heard of PPI - the Producer Price Index? This week David welcomes Rod Holloway to kick-off the show and talk about how the two indices are telling different stories.   The seventh IRA commissioner of 2025 has been appointed - what does the non-partisan Tax Foundation have to say about the upheaval?   Plus - there is still time to consid...

David is back home after a trip to Uruguay in South America, and he will share about his experience there, including the similarities and differences in their financial system to ours. He will also have the latest news on Thursday's inflation reports from Washington. The Wall Street Journal has had recent articles about business optimism in America. Is it really happening? David will discuss the a...

This week's show will start off with a market update from Rod Holloway with CFCI... what's happening with the Federal Reserve and interest rates, the Producer Price Index (PPI) and more. Then David shares about a recent test he took on IRAs - and why the nuances are so important in financial planning.   David will also discuss QCDs - Qualified Charitable Distributions - and their benefits, as well...

It's time to take a deep dive into the One Big Beautiful Bill legislation signed into law on July 4. This week David will bring insights on the various pieces of the bill - the changes in standard tax deductions, state and local tax deductions (aka SALT), the "bonus" deduction for older Americans, estate and gift tax exemption and charitable deductions.   Some of these changes have expiration date...