Phil's Tax Hacks podcast

#Trading #Business #Business News #Phil Putney #News #Retirement Planning

35:51

Diego Pavia and Paul Finebaum are this week’s Netflix Sports Club guests. Paul Finebaum, the voice of the SEC, drops a bold national championship prediction that might give the Big Tenners pause, and he reveals which SEC quarterback has him starstruck. Vanderbilt quarterback, Diego Pavia, gives a standout performance on and off the field in SEC Football: Any Given Saturday. He relives that improbable ‘Bama victory, including pre-game routine and why he thinks this victory changed the conversation about Vandy football - sorry Nick Saban. Paul Fineman and Diego Pavia gaze into the crystal ball of the 2025 season, and what do they see? Heisman Trophies, making Auburn pay, and LSU’s chances for glory. In this interview, Vandy QB, Diego Pavia: 🟥 Details the 2024 Vandy vs. ‘Bama Buildup 🟥 Discusses playing for Coach Lea and with his bestie 🟥 Reveals his true height In this interview, SEC Expert, Paul Finebaum answers: 🟥 Why the SEC’s staying power is unrivaled? 🟥 Who’s almost a bigger star than Taylor Swift? 🟥 Which team will win the 2025 National Championship? 00:00 Intro 01:24 Vandy QB Diego Pavia Is a Star 01:37 Beating Bama 03:19 Choosing Vandy And Coach Lea 04:58 Give Me The Ball 06:20 Dude Put In The Work 07:38 Nick Saban Said What?? 08:20 Underdogs 10:22 Watch Out Auburn 12:33 Recruits: Come To Vandy! 13:29 Kay and Dani Talk SEC 15:54 Paul Finebaum’s SEC Picks 16:40 All About Arch Manning 17:23 SEC: The Only Game In Town 18:25 South Carolina Should Be In The Playoffs 19:40 Shane Beamer Bounce Back? 20:14 Arch Manning Is No Taylor Swift 21:42 The Weight of Being a Manning 22:31 Finebaum: “Best Player Since Tim Tebow” 23:20 LSU QB1 + Championship Or Bust 25:39 Post Saban Alabama 27:42 Is Vanderbilt Legit? 28:44 Can Mississippi State Survive? 29:49 The Vols “Will Struggle This Year” 31:44 SEC: Natty. Little Tenners: Nothing 33:09 Outro 34:28 Up Next - America’s Team: The Gambler And His Cowboys 🏈 Diego Pavia Instagram - https://bit.ly/45uLND4 TikTok - http://bit.ly/4fsLY5p X - https://bit.ly/4ldwx2j 🏈 Vanderbilt Instagram - http://bit.ly/4lfo8eu X - http://bit.ly/4mCiaWt YouTube - @vucommodores 🏈 Paul Finebaum Instagram - https://bit.ly/45kVtPv X - https://bit.ly/46JQFWc 🎙️ Kay Adams Instagram - http://bit.ly/3GYp4Go TikTok - http://bit.ly/4m7KmR9 X - http://bit.ly/45nI2Ou 🎙️ Dani Klupenger Instagram - https://bit.ly/3HeGGxx TikTok - https://bit.ly/4lQSBkl X - https://bit.ly/4lWpufr 🟥 Netflix Sports Instagram - http://bit.ly/45CPAhL TikTok - http://bit.ly/4mti6Ia X - http://bit.ly/4mseqGH Facebook - http://bit.ly/45o5xqK YouTube - @NetflixSports We want to hear from you! Leave us a voice message at www.speakpipe.com/NetflixSportsClub Be sure to watch, listen, and subscribe to the Netflix Sports Club Podcast on YouTube, Spotify, Tudum, and wherever you get your podcasts. Hosted by Kay Adams, the Netflix Sports Club Podcast is an all-access deep dive into the Netflix Sports Universe. Join Kay as she speaks with athletes, coaches, and top sports correspondents to break down the latest Netflix Sports series. Expect bold opinions, insightful analysis, and candid conversations you won’t find anywhere else.…

Phil's Tax Hacks

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Financial, tax and retirement planning guidance from Phil Putney. Each week Phil will talk about the keys to building a sound financial strategy that can survive throughout the ups and downs of the market. We'll have plenty of tax hacks along the way and other retirement facts!

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Phil's Tax Hacks

updated 7 днів тому

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#Trading #Business #Business News #Phil Putney #News #Retirement Planning

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Phil's Tax Hacks

1
You’re Not Ready to Retire If This Is All You’ve Done 21:20

7 днів тому21:20

21:20

You’ve spent decades building your investment accounts, monitoring the markets, and contributing to your 401(k). That’s great. But here’s the truth: you’re not ready to retire if that’s all you’ve done. Retirement planning isn’t just about your portfolio; it’s about so much more. In today’s episode, Phil dives into all the non-investment decisions that can make or break your retirement. Here’s some of what we discuss in this episode: 💰 Why your portfolio isn’t the only thing you need to focus on 📊 Making informed decisions on when to take Social Security 💡 Building a clear vision for your ideal retirement life 🏥 Are you prepared for healthcare in retirement? Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV…

Phil's Tax Hacks

1
Not Every Retirement Plan Fits Neatly In A Box 15:12

14 днів тому15:12

15:12

Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment No two retirements look the same, and often clients come in with circumstances that make a cookie-cutter plan impossible. In this episode, Phil looks at some examples of these more unique and challenging scenarios and explore the solutions you’ll need to successfully retire. If you're looking for a one-size-fits-all retirement plan, you’re not going to find it here, and that’s a good thing. Here’s some of what we discuss in this episode: ⏳ How age gaps can dramatically change retirement strategy 🧾 Early retirement and the hidden cost of health coverage 💔 How divorce reshapes your income, housing, and long-term plan 🧠 Special needs planning and estate considerations 🛠️ Why no plan is truly set-it-and-forget-it Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV…

Phil's Tax Hacks

1
Separate Accounts, Shared Future: Planning Retirement With Separate Finances 17:19

21 день тому17:19

17:19

Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment In this episode, Phil tackles a question many couples face: how do you plan for retirement when your finances have always been separate? Maybe one of you has a pension, the other a 401(k). Maybe you split expenses or handle totally different parts of the budget. Phil explains how to make separate money work for shared goals, whether it’s a second marriage, late-in-life partnership, or just how you’ve always handled your finances. Here’s some of what we discuss in this episode: 💡 Why separate finances make retirement planning more complex, but not impossible 🗣️ Why communication is the foundation of any successful retirement plan 🏠 What happens when one spouse owns the house and the other holds the retirement savings 👥 How planning shifts in second marriages and blended families Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV…

Phil's Tax Hacks

1
What’s Missing from Dave Ramsey’s 9-Step Retirement Plan 21:17

28 днів тому21:17

21:17

Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment Dave Ramsey is one of the most recognized voices in personal finance. His 9-step retirement plan is simple, direct, and built for mass appeal. But is it really the best path for your retirement? On today’s show, Phil shares his professional insight into each of Ramsey’s nine steps, from saving and investing to paying off your mortgage and planning for healthcare. Here’s some of what we discuss in this episode: 🧮 Why planning requires math, not just motivation 🏠 Should you really pay off your mortgage early? 📊 Roth vs. Traditional: It’s not one-size-fits-all 🧓 Social Security decisions aren't just about age 💼 What long-term care insurance Ramsey skips over 🧰 How real strategy fills in the gaps Ramsey leaves For more, visit us online: http://philstaxhacks.com…

Phil's Tax Hacks

1
Let's Talk about the Big Beautiful Bill (BBB) 22:09

5 weeks тому22:09

22:09

Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment The Big Beautiful Bill has officially passed, and Phil is here to bring you everything you need to know from a tax and retirement planning perspective. He dives into what really matters, starting with why the headlines and quick Google searches can be dangerously misleading. He walks through what the bill actually says, what’s being misreported, and how these new tax laws—however long they last—can be a major opportunity when used strategically in retirement planning. Here’s some of what we discuss in this episode: 📉 TCJA tax rates are here to stay (at least for now) 💰 SALT deduction cap increased, but with income-based limits 👵 Seniors 65+ can claim an extra $4,000 deduction through 2028 🏥 Medicare recipients may now qualify to contribute to HSAs again 🧠 AI and headlines aren’t giving you the full story For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96…

Phil's Tax Hacks

1
Should You Gift Now or Leave a Legacy Later? 14:40

7 weeks тому14:40

14:40

You’ve worked hard, saved well, and now you’re thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you’re still around to enjoy the impact? Let’s talk about how to make that decision with confidence. Here’s some of what we discuss in this episode: 🎁 Why more retirees are choosing to gift now 💸 Understanding gift tax rules and exclusions 🏥 How direct payments for medical expenses avoid gift tax limits 🎓 Supporting education without triggering taxes For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96…

Phil's Tax Hacks

1
Planning for Retirement When You’ll Never Have an Empty Nest 17:52

8 weeks тому17:52

17:52

For many parents, retirement planning includes the idea of an empty nest. But what if that’s never going to be your reality? Today, Phil answers a viewer question about how to plan for retirement while continuing to care for an adult child on the autism spectrum. It’s a question more families are facing, and in this episode, we’re walking through the financial and emotional factors that come with a “forever caregiving” retirement. From budgets to housing needs, your retirement roadmap may look entirely different, but it can still be achievable with the right strategies. Here’s some of what we discuss in this episode: 🏡 Why downsizing may not be an option in this kind of retirement 📋 What to consider when building a caregiving budget ⚖️ The role of government benefits like SSDI, SSI, and DAC 📜 Special needs trusts: when and how they fit in 💡 Creative strategies to protect care, assets, and dignity For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96…

Phil's Tax Hacks

1
Big Changes - The 4% Rule Gets a Makeover 16:14

9 weeks тому16:14

16:14

The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In a world of volatile markets, tax surprises, and rising longevity, the idea that one percentage could work for everyone isn’t always the best default approach. Here’s some of what we discuss in this episode: 🔍 What the original 4% rule really was and why it went viral ❓The “new number” everyone’s talking about 💰 The critical difference between gross and net withdrawal needs ⏳ How timing, market swings, and income sources impact sustainability 📊 Why planning beats rules of thumb, especially in volatile times For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96…

Phil's Tax Hacks

1
Let’s Talk Target-Date Funds: Pros and Cons 11:48

10 weeks тому11:48

11:48

Target-date funds seem like the ultimate “set it and forget it” retirement strategy, but are they really as simple and safe as advertised? In today's episode, Phil unpacks these popular, automatic investment options that now hold over $4 trillion in assets. If you’re like many people, your 401k automatically funnels your money into these funds based on your retirement date. Convenient? Definitely. Optimal? Maybe not. Here’s some of what we discuss in this episode: 🎯 How target-date funds became the default 401k option ⚖️ How they automatically rebalance, but not always in your favor 📉 Why your funds might be more aggressive than you think 🧐 When a “set it and forget it” approach could cost you 💡 Why target-date funds might not fit your complete financial picture For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96…

Phil's Tax Hacks

1
Key Things For Parents & Grandparents To Teach A New Graduate 20:42

11 weeks тому20:42

20:42

Graduation season is an exciting milestone, not just for the grads, but for parents and grandparents who have supported them along the way. Today, Phil wants to share practical ways you can help your graduate make smart financial decisions early, along with actions that could have a lasting impact on their future. Here’s some of what we discuss in this episode: 📊 The tools that make budgeting easier 📈 How Roth IRAs offer lifelong tax benefits 🔧 Debt management without shame or fear 💰 Why early saving beats bigger saving later For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96…

Phil's Tax Hacks

1
5 Ways Wishful Thinking Can Damage Your Retirement 17:52

12 weeks тому17:52

17:52

A little hope is good for the soul, but when it comes to retirement planning, wishful thinking can lead to serious financial mistakes. Today, Phil is walking through five common examples of wishful thinking that can quietly damage your retirement and how you can build a plan that protects your future instead of relying on luck. Here’s some of what we discuss in this episode: 💸 The hidden cost of "I'll spend less in retirement" 🕰️ The risk of assuming you’ll work forever 🍀 Why “I’ll just get lucky in the market” is a losing bet 🛑 The danger of assuming your kids will take care of you For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96…

Phil's Tax Hacks

1
A Market Strategy for Type A Investors: Why Doing Less Might Be Your Best Move 18:46

13 weeks тому18:46

18:46

Today Phil’s talking about Type A personalities. If you’re driven, competitive, and goal-oriented then you’re part of the club that often struggles during difficult markets. When things get tough, your instinct is to work harder, push more, and fix the problem. But in investing, that instinct can sometimes backfire. In this episode, Phil unpacks the tension between action and restraint when markets get choppy. He explores why high achievers often feel anxious during downturns, even when their long-term plans are sound. Here’s some of what we discuss in this episode: 🧠 Why Type A investors struggle with staying still 💥 The hidden risks Type A personalities often overlook 🔍 How over-managing can backfire in volatile markets 🤝 Why the right advisor should match your mindset For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96…

Phil's Tax Hacks

1
Why The Psychology of Money Says Your Emotions Matter More Than Math 17:49

14 weeks тому17:49

17:49

Today Phil’s kicking off his new Financial Book Club with The Psychology of Money by Morgan Housel. This book isn’t just about money strategies. It’s about why we make the choices we make, even when they don’t seem to make sense. You might find that your mindset is a bigger advantage than any investment tip. If you’ve ever wondered why it’s so hard to stick to the “smart” plan, this conversation might hit closer to home than you expect. In this episode, Phil explores four powerful ideas from the book, starting with the bold claim that no one is crazy when it comes to money. Here’s some of what we discuss in this episode: 💭 Why your money story begins in childhood 🏠 The emotional math behind paying off your house 😬 “Never enough” syndrome in retirement planning 📉 Planning for market volatility and life’s curveballs 🚧 Why your retirement roadmap needs flexibility The Psychology of Money by Morgan Housel: https://shorturl.at/bjzCl For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96…

Phil's Tax Hacks

1
Can Real Estate Boost Your Retirement Plan? 23:17

16 weeks тому23:17

23:17

Can real estate actually boost your retirement plan? Is renting a property a reliable source of income, or just added stress? The short answer: it depends. In this episode, Phil breaks down the many ways real estate can support- or complicate- your retirement strategy. From rental properties and house flipping to reverse mortgages, REITs, and home equity lines of credit (HELOCs), this episode covers the most common approaches people consider and the mistakes they don’t always see coming. Here’s some of what we discuss in this episode: 📉 Rental property pros, cons, and tenant trouble 🔁 What to know about 1031 exchanges 🏦 HELOCs as an emergency tool 📊 REITs: real estate investing without the property headaches For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96…

Phil's Tax Hacks

1
Turn Your Savings Into a Real Retirement Plan 18:23

17 weeks тому18:23