Accumulating Wealth

Hosts Hunter Satterfield and Judson Crawford are seasoned CPA's, and long time friends. Together they go in depth on financial topics that are pertinent to business owners, including tax planning, investing, personal financial planning and more. Each season focuses on an over-arching topic, and each episode they dive in——helping you make better decisions for yourself and your business every day. Tune in every week on Tuesdays for a new episode.

Ep. 260: RIP Penny, Hello IRS Limits 11/18/2025

Ep. 260: RIP Penny, Hello IRS Limits The U.S. Mint has nixed the penny, but you can still save more of yours in with the IRS increased savings contribution limits for 401(k)s, IRAs and more. The guys are here to review these new 2026 limits and discuss emerging mortgage trends, like the 50-year mortgage and portable mortgages, and the implications of the penny’s end. LINKS | | /episode/index/show/cainwatters/id/39062750

Ep. 259: Marry the Project, Date the Rate 11/11/2025

Ep. 259: Marry the Project, Date the Rate Is now the right time to start on that construction project, given the recent rate cuts? The guys dive into the current lending environment with guests from Live Oak Bank, discussing how SBA loans can be the gateway to expanding your business in today’s market. Plus, learn how SBA loans can provide benefits where traditional loans may fall short. LINKS | | /episode/index/show/cainwatters/id/38983260

Ep. 258: Take Advantage of the Cut 11/04/2025

Ep. 258: Take Advantage of the Cut The Fed announced a 25-basis-point cut, the second of the year. Where does that leave mortgage refinancing and the likelihood of another cut before year-end? Two guests join this episode to discuss how to take advantage of lower refinancing rates to add flexibility to your spending and what the next few months may hold. Plus, the guys have an exciting announcement to share. LINKS | | /episode/index/show/cainwatters/id/38894880

Ep. 257: What’s Your Safe Withdrawal Rate? 10/28/2025

Ep. 257: What’s Your Safe Withdrawal Rate? Planning for retirement doesn’t solely rely on the amount of money saved. Safe withdrawal rates and asset classes play a significant role in making your funds last in retirement. A guest joins this episode to discuss calculating your unique safe withdrawal rate and the importance of asset diversification in post-retirement planning. LINKS | | /episode/index/show/cainwatters/id/38799660

Ep. 256: Year-End Tax Playbook 10/21/2025

Ep. 256: Year-End Tax Playbook As year-end approaches, the key to successful tax planning is understanding your financial landscape and taking advantage of the opportunities available. A guest joins this episode to review deferral amounts, utilizing the Augusta Rule, strategic timing of equipment purchases and more. Plus, they review the new tax law changes that impact tax planning into next year. LINKS | | /episode/index/show/cainwatters/id/38650515

Ep. 255: Turning Time Into Wealth 10/14/2025

Ep. 255: Turning Time Into Wealth Ready to boost your tax savings in 2026? Unpack the hot-off-the-press 2026 IRS tax updates, spotlighting new inflation-adjusted standard deductions and tax bracket thresholds to sharpen your planning strategy. Hunter and Judson also take it back to the basics to decode the 1:1, 2:1, and 3:1 savings-to-earnings ratios to show how starting early can supercharge your retirement goals. LINKS | | /episode/index/show/cainwatters/id/38568425

Ep. 254: Five Tax Savings Environments 10/07/2025

Ep. 254: Five Tax Savings Environments Should your tax saving strategies stay the same with the new tax law changes? The guys are going back to the basics with the five savings environments, diving into where the best places to put your money are, depending on your unique plan. Tax diversification is crucial to your financial plan, so when the unexpected happens, your financial planner can adjust accordingly to maximize your savings. LINKS | | /episode/index/show/cainwatters/id/38472075

Ep. 253: The Sweet Spot for Refinancing 09/30/2025

Ep. 253: The Sweet Spot for Refinancing Debt isn’t always bad. With the latest Fed cut, it’s tempting to refinance your loans, but is now the right time? The guys are going back to the basics on debt, diving into different loan types, from consolidation to building to home loans and how these different loans should be uniquely refinanced. Plus, they are ranking their favorite ice creams to determine which one reigns supreme. LINKS | | /episode/index/show/cainwatters/id/38393555

Ep. 252: Rate Cuts, Mortgages, and Market Moves 09/23/2025

Ep. 252: Rate Cuts, Mortgages, and Market Moves The Fed announced the first rate cut of the year, and the guys are analyzing its potential impacts on markets, mortgage rates, and consumer spending. A guest joins this episode to discuss how labor market data, inflation and GDP may influence future cuts, and what the rest of the year may hold for consumers and investors. LINKS | | /episode/index/show/cainwatters/id/38313425

Ep. 251: Don’t Leave It to the State 09/16/2025

Ep. 251: Don’t Leave It to the State Estate planning isn’t exclusively for the ultra-wealthy or those with family heirlooms. For anyone wanting to prepare for their loved ones after they’re gone, estate planning is a crucial part of a financial plan. A guest joins this episode to discuss the importance of estate planning, the necessary documents and when to start your planning. LINKS | | /episode/index/show/cainwatters/id/38229920

Ep. 250: Hurdles in Hygiene 09/09/2025

Ep. 250: Hurdles in Hygiene An effective hygiene team can make the difference in your practice’s profitability and patient relationships. With a busy doctor’s schedule, how can you invest in your hygiene team to create a more productive practice overall? Rachel Wall from Inspired Hygiene joins this episode to discuss hygiene staffing, salary and services. LINKS | | /episode/index/show/cainwatters/id/38128235

Ep. 249: Tax Tips and Touchdowns 09/02/2025

Ep. 249: Tax Tips and Touchdowns Now that several tax-saving opportunities are permanent through the One Big Beautiful Bill, the potential for strategic, proactive planning is greater than ever. The guys walk through the top tax tips, covering QBI, bonus depreciation and more. Plus, college football is back, and the guys are making their predictions for the season. LINKS | | /episode/index/show/cainwatters/id/38019805

Ep. 248: AI Energy Demand and Market Updates 08/26/2025

Ep. 248: AI Energy Demand and Market Updates As energy demands for AI and data centers skyrocket, the markets are responding accordingly. With many sectors up, what’s the likelihood of a cut in the next Fed meeting? A guest joins this episode for the latest on technology investment, market performance and the latest consumer behavior trends. LINKS | | /episode/index/show/cainwatters/id/37952380

Ep. 247: OBBB Student Loan Changes 08/19/2025

Ep. 247: OBBB Student Loan Changes The One Big Beautiful Bill introduced changes to student loans, eliminating the PAYE and SAVE plans in favor of new loan payment plans. A guest joins this episode to review the changes, who qualifies for the new plans and how to balance debt repayment with your other financial goals. LINKS | | /episode/index/show/cainwatters/id/37865510

Ep. 246: Market Upturn and Child IRA Accounts 08/11/2025

Ep. 246: Market Upturn and Child IRA Accounts Are things looking up in the economy after a rough few months? GDP is up and stocks are reporting positively, but just because the economy appears to be strong, it’s impossible to know where the stock market will go from here. The guys discuss Trump accounts, child financial literacy, mortgage fraud schemes and the risks of buy now, pay later loans. LINKS | | /episode/index/show/cainwatters/id/37734680

Ep. 245: The One Big Beautiful Bill Act: A Simplified Summary 08/05/2025

Ep. 245: The One Big Beautiful Bill Act: A Simplified Summary The new One Big Beautiful Bill Act introduced new tax changes, creating significant tax-saving opportunities in both business and personal deductions. The new bill permanently extends many rules of the Tax Cuts and Jobs Act and makes changes to qualified business income deductions, estate exemptions, state and local tax deductions, and more. A guest joins this episode to summarize key points of the bill and examine which rules take effect in 2025. LINKS | | /episode/index/show/cainwatters/id/37674160

Ep. 244: Personal Growth for Practice Growth 07/29/2025

Ep. 244: Personal Growth for Practice Growth Finding the right CE course that suits your career stage not only fosters your personal and professional growth but also enhances your practice, patient relations and staff engagement. A guest joins this episode to share how committing to investing in yourself at every stage of your career opens opportunities for networking, new technology and crucial professional development. LINKS | | /episode/index/show/cainwatters/id/37576725

Ep. 243: Sticking to the Status Quo 07/22/2025

Ep. 243: Sticking to the Status Quo Regret avoidance, loss aversion and cost can all be barriers to making a change in your financial plan. Without change, though, your plan stays stagnant and doesn’t take full advantage of all the opportunities available. Is a status quo bias hindering your financial plan? A guest joins this episode of the bias summer series to discuss status quo bias and how to mitigate it. LINKS | | /episode/index/show/cainwatters/id/37483890

Ep. 242: Living for the Present 07/15/2025

Ep. 242: Living for the Present Instant gratification and decision fatigue lead to choices that are easy and provide immediate benefits, without considering the implications for future gains. A guest joins this episode to examine present bias and how focusing on today can impact your tomorrow, both in your personal and financial life. LINKS | | /episode/index/show/cainwatters/id/37404695

Ep. 241: Are Your Investments Too Confident? 07/08/2025

Ep. 241: Are Your Investments Too Confident? Overconfident investors trade 25% more frequently than their peers, costing them 4% in annual returns. This episode explores the overconfidence bias, discussing how it leads to risky decisions such as under-diversifying investments or disregarding expert advice, and its adverse long-term effects on financial plans. CPA Angie Svitak joins this episode to explore how this bias impacts investment decisions and how to tame overconfidence. LINKS | | /episode/index/show/cainwatters/id/37306685

Ep. 240: Fourth of July Omakase 07/01/2025

Ep. 240: Fourth of July Omakase To celebrate Fourth of July, a special guest host returns to take the guys through some iconic all-American childhood snacks with a blind taste test game. Who cares if the foods are heavily processed – this is ‘Murica, right? LINKS | | /episode/index/show/cainwatters/id/37168325

Ep. 239: Finding Validation: Confirmation Biases 06/24/2025

Ep. 239: Finding Validation: Confirmation Biases Biases can cause a disordered perception of reality, so how can you become aware of unconscious biases that may be affecting your financial, investment and even personal decisions? The guys bring a guest on to discuss confirmation biases, how they influence decision-making, and ways to prevent them from taking control of your finances. LINKS | | /episode/index/show/cainwatters/id/37116315

Ep. 238: Can You Afford an Associate? 06/17/2025

Ep. 238: Can You Afford an Associate? Beyond salary considerations, what does adding an associate doctor to your practice actually cost? A guest joins this episode to break down fixed and direct costs, staff and infrastructure estimates when bringing on an associate. Whether you’re looking to grow production or make a transition, these factors are crucial in budgeting a new investment in the practice. LINKS | | /episode/index/show/cainwatters/id/37029560

Ep. 237: Time Is Your Biggest Asset 06/10/2025

Ep. 237: Time Is Your Biggest Asset Unless they are pursuing a finance degree, many students aren’t taught the basics of how money grows and how to manage this growth effectively. Joined by two attendees of the 3to1 Foundation’s Accumulating Wealth Seminar, the guys dive into the most important topics for students to learn when starting their financial journey and how to further educate themselves to make the most of their biggest asset — time. LINKS | | /episode/index/show/cainwatters/id/36922580

Ep. 236: Is Top-Line Growth Enough? 06/03/2025

Ep. 236: Is Top-Line Growth Enough? Ever wonder how your practice’s collections, expenses and profitability compare to other like-sized practices of the same specialty? Two guests join to explore CWA’s new How Does Your Dental Practice Compare? Report, and discuss what trends emerged last year, how to use the data as a guide to reevaluate your practice’s costs and actionable changes to make going forward this year. LINKS | | /episode/index/show/cainwatters/id/36817385

Ep. 235: Finding Individualized Financial Advice 05/27/2025

Ep. 235: Finding Individualized Financial Advice Is the best financial advisor the one with the most letters behind their name or the most years under their belt? Picking the right advisor requires consideration of their trustworthiness, expertise and ability to tailor a financial plan to your unique needs. The guys offer guidance on navigating the search for an advisor that fits your financial plan. LINKS | | /episode/index/show/cainwatters/id/36693275

Ep. 234: Auto Loans, Leases and Financing 05/20/2025

Ep. 234: Auto Loans, Leases and Financing When it comes time to purchase your next car, should you lease, buy or finance it? It depends on how long you intend to own the vehicle, what works best for your finances, and whether you can write it off as a business deduction. Hunter and Judson walk through the best ways to navigate auto payments and what fits your financial plan. LINKS | | /episode/index/show/cainwatters/id/36627670

Ep. 233: International House of ... Stagflation? 05/13/2025

Ep. 233: International House of ... Stagflation? In the last five years, IHOP has experienced 82% inflation. But where do international stocks and housing markets across the country stand? The guys are diving into the recent Fed meeting, stagflation outlook and the emotional nature of the markets. LINKS | | /episode/index/show/cainwatters/id/36542280

Ep. 232: Growing Patients: Pediatric Trends 05/06/2025

Ep. 232: Growing Patients: Pediatric Trends The new Pediatric Practice Comparison Report is now available, with crucial insights on production, marketing, new patient acquisition and staff salaries. The guys dive into what the data means for the rest of the year and how market uncertainty may play a role in pediatric practice trends. LINKS | | /episode/index/show/cainwatters/id/36443445

Ep. 231: The Psychology of Money 04/29/2025

Ep. 231: The Psychology of Money Effective money management goes beyond the numbers. Factors like risk, luck and abundance influence people’s perception of money and, in turn, their financial decisions. Two guests join this episode to discuss highlights of The Psychology of Money by Morgan Housel and how understanding the money mindset can propel your financial plan. LINKS | | /episode/index/show/cainwatters/id/36343245

Accumulating Wealth

TOPICS