In this episode of More than Commas, Host Cory Shepherd discusses the challenges of owning real estate in a self-directed IRA. While it may seem like a smart way to diversify retirement investments, several factors complicate this strategy. Key points include the loss of tax benefits, as traditional deductions do not apply; prohibited transactions that restrict personal use and …

In episode 308 of the More Than Commas, Host Paul Adams is joined by Jeremy Ames to explore the Rollovers for Business Start-ups (ROBS) strategy, a unique funding option that allows entrepreneurs to use their retirement savings to launch or acquire a business without incurring penalties. Jeremy outlines the ROBS process, emphasizing the importance of forming a C-corporation and setting …

In episode 307 of More than Commas, Cory Shepherd and Todd Schwartz explore the strategy of assuming a seller’s low-interest mortgage in today’s high-rate real estate market. He explains how this approach allows buyers to take over existing loans, potentially saving thousands by accessing lower interest rates. Todd highlights key points such as the types of assumable loans (FHA, VA, …

In episode 306 of More than Commas, Host Cory Shepherd explores the crucial differences between simple interest and compound interest. Listeners will learn how simple interest is calculated solely on the principal amount, while compound interest builds on both the principal and accumulated interest. Through relatable examples, Paul illustrates the financial impact of each type, emphasizing how compound interest can …

In this episode, Paul dives into exploring the financial realities of mortgage payoff. Is paying off your mortgage early always the smartest move? Paul examines financial trade-offs, opportunity costs, and strategies to help you make informed decisions about your financial goals. This episode offers a fresh perspective on financial freedom. Check out these mortgage-related episodes from the channel: PODCAST EPISODE …

  In episode 305 of More than Commas, Host Elijah Fowler explores the crucial question of retirement funding through the lens of the 4% Rule. This popular guideline suggests retirees can withdraw 4% of their savings annually without depleting their funds over 30 years. Elijah discusses key factors influencing this rule, including market fluctuations, inflation, and personal expenses, emphasizing that …

  In this episode of More than Commas, we explore the essential differences between 401(k)s and IRAs—two vital tools for retirement savings. Join Host Cory Shepherd as we break down their unique features, including employer sponsorship, contribution limits, investment choices, tax advantages, and withdrawal rules. Discover which option might be best for your financial situation and learn how to maximize …

  In Episode 303 of More than Commas, Elijah Fowler talks about the differences between traditional 401(k) and Roth 401(k) retirement plans. He explains that traditional 401(k) contributions are made with pre-tax dollars, providing immediate tax benefits, while Roth 401(k) contributions are made with after-tax dollars, allowing for tax-free withdrawals in retirement. The episode also covers employer matching contributions, withdrawal …

  In episode 302 of More Than Commas, Host Paul Adams discusses the Backdoor Roth IRA, a strategy designed for high-income earners who exceed the income limits for direct contributions to a Roth IRA. Listeners will learn how to navigate these limits and create a more tax-efficient retirement strategy. Check out the Backdoor ROTH material here: https://sfgway.com/backdoor-roth-summary/ __________ Join Sound …