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Teach and Retire Rich - Talking teacher retirement savings plans.

Teacher Daniel Otter, Ph.D. and Certified Financial Planner Scott Dauenhauer discuss teacher retirement savings issues over a couple of micro beers. Never too serious, Dan and Scott strive to make learning about pensions, the 403(b), the 457(b), and investing, fun and understandable.
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Teach and Retire Rich - Talking teacher retirement savings plans.
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Now displaying: Page 2
Feb 14, 2020

We talk Roth IRA which for many young teachers may be a superior choice than the 403(b).

Feb 7, 2020

Justin, a Baltimore city math teacher saves more than 75 percent of his income. He discusses teaching, his financial journey, the "happy meter," and his top teacher savings hacks. 

Jan 31, 2020

Recording of our 2020 Wise Money Moves video conference with CFPs Scott Dauenhauer and Breanna Reish, two fiduciary planners with a deep knowledge of the financial issues facing teachers.

Jan 29, 2020

When the NTSA goes low. We write a song, and then enlist our creative friends. 

 

Jan 24, 2020

Scott and Dan were all set to attend the National Tax-Deferred Savings Association's conference in Denver this weekend and then Scott got an email. 

Also, 403bwise.org releases a What is a 403(b)? video

Jan 17, 2020

Scott thinks a new 457(b) rule could make that plan a better choice than the 403(b). 

 

Jan 10, 2020

Today’s guest, Rob Phelan, who we are jokingly dubbing Rob FI-elan, is the kind of teacher you wish you had or that your kids had. Not only does he teach them personal finance concepts, he teaches them how to start their own business. He is also part of the FI or Financial Independence movement which means he has several side hustles.  

Jan 3, 2020

Teacher Chris Nye, who we are dubbing the "403(b) Guy" is remarkable. Not only has he gotten better vendor choices for his district, he has helped countless teachers via educational workshops and one-on-one meetings. 

  • 06:00 AXA guy cometh
  • 07:02 Need 25 colleagues interested to add T. Rowe Price
  • 08:27 Educating colleagues
  • 11:06 Helping colleagues get out of bad choices
  • 11:56 Colleague inspired to add Vanguard
  • 13:35 How to become a 403(b) advocate
  • 17:40 Importance of investing costs
  • 22:20 Threats from salespeople?
  • 24:04 Speaks to all new employees
  • 27:25 Will soon speak to all employees
  • 29:06 A true passion
  • 29:29 Teaching personal finance
  • 32:08 What’s next?

Jackson School District
New Jersey Education Association

403bwise.org Advocacy Tools and Resources

Meridian Wealth Management
403bwise.org

Dec 27, 2019

In this last pod of the year we answer some reader questions, give a preview of some 2020 403bwise initiatives and Dan reads a poem called: How the TPA Grinch Stole the 403(b).

00:34 Jibberish including discussion of Star Wars and German soldiers on crystal meth
04:35 403bwise Facebook Group killing it
07:09 Dan gets and misses a Facebook Inquiry from a TV Reporter
08:15 Dan Flynn has a word generator
09:46 Traditional IRA vs. Roth IRA (pre-tax vs. Roth)
18:11 Special Medicare Tax
20:44 403(b) and 457(b) 2020 contribution limits
26:20 403bwise 2020 initiatives 
30:34 How the TPA Grinch Stole the 403(b)

Hidden Payments and Costly Plans Dent Teachers’ Retirement Savings

Texas Teachers Told to Take Closer Look at 403(b) Retirement Plans as New Law Takes Effect

How the TPA Grinch Stole the 403(b)

Dec 19, 2019

In what we are jokingly calling an emergency pod, we discuss the just released article Teachers Pay High Fees for Retirement Funds. Unions Are Partly to Blame. by Anne Tergensen and Gretchen Morgenson of The Wall Street Journal. This is the union-focused 403(b) article we have been long hoping for. 

Dec 13, 2019

Part two of our interview with Dr. Carolyn McClanahan, a medical doctor who became a certified financial planner. We touched on a cross section of healthcare and planning topics:

  • 00:23 Which Senator killed the public option?
  • 01:48 Importance of the public option
  • 02:10 Elisabeth Rosenthal book How Health Care Became Big Business and How You Can Take It Back
  • 04:25 Ideas for fixing healthcare
  • 5:16 Origin of “ObamaCare”
  • 06:11 Ted Kennedy and healthcare
  • 06:35 Nixon had a good healthcare plan
  • 08:24 The craziness of employer based healthcare
  • 09:56 Is Long-Term Care Insurance worth it?
  • 11:44 The Big Four of Aging
  • 15:44: "Primary Care for All!"
  • 19:58 Aging parents and healthcare

Time to Expand Community Health

Carolyn McClanahan, MD, CFP®

Meridian Wealth Management

403bwise.org

Nov 23, 2019

We talk to Dr. Carolyn McClanahan, a medical doctor who became a certified financial planner. She discusses the intersection of health and personal finance and her firm's unique approach to planning: focusing on the here and now.  

 

Carolyn McClanahan, MD, CFP®

Meridian Wealth Management

403bwise.org

403bwise.org Facebook Group

Nov 15, 2019

In part two of a two-part series on working with planners, Dan interviews fiduciary advisors Scott Dauenhauer CFP® and Breanna Reish CFP® about how a planner can help a teacher approaching retirement. We also discuss planner compensation.

Breanna Reish, CFP® 

Meridian Wealth Management

403bwise.org

403bwise.org Facebook Group

Nov 15, 2019

Dan interviews fiduciary planners Scott Dauenhauer CFP® and Breanna Reish CFP® about how a planner can help teachers. In part one we look at helping the new teacher, and helping the mid-career teacher. 

Breanna Reish, CFP® 

Meridian Wealth Management

403bwise.org

403bwise.org Facebook Group

Nov 8, 2019

Topics include: Dan's trip to Buffalo to talk 403(b) with Williamsville, NY teachers, 2020 403(b) contribution limits, and how Horace is not the 403(b) Mann. 

 

Buffalo, NY Grain Elevators

Buffalo Riverworks Brewery + Hockey

403bwise.org

Meridian Wealth Management

403bwise.org Facebook Group

Oct 19, 2019

We talk about our newest blog post — An Even Fishier Smell in the Teacher's Lounge — growth of the 403bwise.org Facebook Group, the video of our appearance on the Motley Fool Answers podcast and our participation in an S.E.C. 403(b) event.   

An Even Fishier Smell in the Teacher's Lounge

RISE 2.0 of California

Motley Fool Answers with Dan and Scott

Next Gen Personal Finance 

Oct 11, 2019

Scott and Dan talk with one of the smartest financial minds: Cullen Roche who runs the Orcam Financial Group. Scott and Cullen talk money, finance, and economics while Dan takes notes!

 

pragcap.com

Orcam Financial Group

403bwise.org

Meridian Wealth Management

403bwise.org Facebook Group

Oct 4, 2019

We talk to a New York teacher couple who have saved a substantial sum in their 403(b) and 457(b) plans. 

 

Teach and Retire Rich (book)

403bwise.org

Meridian Wealth Management

403bwise.org Facebook Group

 

Sep 27, 2019

Jackie Cummings Koski, author of Money Letters 2 My Daughter, a book of financial wisdom written for her then high school aged daughter. Jackie will soon retire from a corporate job to focus on her passion: spreading financial literacy. We talk about her book, how she achieved F.I.R.E. (Financially Independent Retire Early), and her future plans around teaching personal finance.

 

Resources:

Money Letters 2 My Daughter

403bwise.org

Meridian Wealth Management

403bwise.org Facebook Group

Sep 13, 2019

Scott goes deep on how to access a 403(b)...

  • 02:00 Accessing after age 59.5
  • 09:54 Accessing before age 59.5 but after age 55
  • 15:18 Accessing before age 50 a.k.a. S.E.P.P. a.k.a. 72(t) withdrawal
  • 19:20 Borrowing from a 403(b)
  • 26:03 Disability
  • 27:43 Divorce
  • 33:40 Death

Resources:
Accessing a 403(b)

457(b) Information

The 457(b) Plan Podcast

Working with a Financial Professional

403bwise.org Facebook Group

 

Sep 6, 2019

We talk to coach and longtime F04 (Friend of 403bwise) Chad Stoner who, along with his teacher-baker wife, Stacey, is building an impressive retirement portfolio. 

 

Resources

Stacey @TheCookieMonger

Episode 19 – The College Solution (pt. 1)

Episode 20 – The College Solution (pt. 2)

Episode 27 – Dan’s Daughter Chooses a College

403bwise.org

Meridian Wealth Management

Aug 30, 2019

Scott and Dan interview District of Columbia teacher turned 403(b) advocate turned advisor Andrew Katz-Moses who wrote an article that details how the financial service industry preys on new District of Columbia Public School employees. They also discuss Scott and Dan's upcoming trip to Washington, D.C.

Katz-Moses Financial

DCPS retirement plans are costing educators millions. We can fix it

403bwise.org

Meridian Wealth Management

 

Aug 23, 2019

Scott and Dan discuss strategies the insurance industry uses to hook teachers on their high fee products.

There is Still a Fishy Smell in the Teachers' Lounge

AXA "Advisors" had a seat at the table at the San Francisco Unified School District New Teacher Orientation.

403bwise.org

Meridian Wealth Management

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