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Teach and Retire Rich

Teacher Daniel Otter, Ph.D. and Certified Financial Planner Scott Dauenhauer discuss teacher retirement savings issues sometimes 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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Now displaying: Page 7
May 15, 2020

Pension maximization. What is it? Does it make sense? We also discuss our recent event with Aspire Financial Services and Vanguard. 

May 8, 2020

We talk with Diana Britton, author of Teachers are Getting Schooled in Retirement, a piece she wrote for wealthmanagement.com. The story is so good we use it in our 403b education events to help get people up to speed on the problems with the K-12 403(b).

May 1, 2020

Scott shares what it's like to work with clients during a pandemic. Dan shares a few wise and unwise money moves he has made recently. 

Apr 24, 2020

Furloughs and layoffs are coming. At a minimum school districts must add one low-cost vendor now to help ease some financial pain.

Apr 17, 2020

We discuss a way to get out of a bad 403(b) that is available in 2020 as a result of the recently passed CARES Act.

Apr 9, 2020

Scott and I talk CARES Act student loan information with fiduciary planner Mychal Eagleson, CFP® and president of An Exceptional Life Financial.

Apr 3, 2020

We discuss the recently passed CARES Act and how it impacts teachers.

  1. Rebates for individuals (3:45)
  2. Penalty-free distribution from 403(b)/457(b) etc. (27:43)
  3. 403(b)/457(b) etc. loan provisions (36:35)
  4. RMD changes (50:44) 
  5. Charitable contributions (53:25)
Mar 27, 2020

Three teachers share the investment decisions they are making in the wake of recent market turbulence. Dan talks about changes he's making to his son's 529 plan. Dan and Scott talk about the video conferences they are hosting using Zoom and Nearpod. 

Mar 6, 2020

An annuity huckster's email is the inspiration for a deep dive into the dark world of equity-indexed annuities.

Feb 28, 2020

We talk crashing markets and what it means for our listeners. 

Feb 21, 2020

To mark our 100th podcast, we look back at our very first episode. We also hear from 10 teachers and 1 custodian who share their 403(b) "aha" moment.

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

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