Teach and Retire Rich

Teacher Daniel Otter, Ph.D. and Certified Financial Planner Scott Dauenhauer CFP® of 403bwise.org discuss teacher saving for retirement issues. Never too serious, Dan and Scott strive to make learning about pensions, the 403(b), the 457(b), and investing, fun and understandable.

Summer Financial Moves + Dan Leases a Car (#380) 06/27/2025

Summer Financial Moves + Dan Leases a Car (#380) No doubt that summer is a great time to relax. It can also be a good time to make sure your financial house is in order. Dan & Scott discuss wise money moves, and Dan talks about taking out his first ever car lease. (short pod series about K-12 403(b) issues) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/37143125

She Had the K-12 403(b) Solution 25 Years Ago (#379) 06/20/2025

She Had the K-12 403(b) Solution 25 Years Ago (#379) Plan consultant Barbara Healy, CFP® and her colleague Jackie Fabitore-Matheny, had the solution to what woes the K-12 403(b) more than 25 years ago. Imagine if districts had listened? We talk with Barbara about what could have been (and what might still be). (short pod series about K-12 403(b) issues) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/36925865

The State of Student Loans? Chaos. (#378) 06/13/2025

The State of Student Loans? Chaos. (#378) Student loan expert and financial planner David Gourley updates Dan and Scott on the volatile state of student loans (particularly PSLF loans) right now. (short pod series about K-12 403(b) issues) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/36924020

Tennessee Throws Teachers to the Wolves (#377) 06/06/2025

Tennessee Throws Teachers to the Wolves (#377) Tennessee passes an anti-pubic employee law that will subject teachers and others to private company financial sales pitches. We break it down into three parts: 1) What it is 2) What we dislike about it 3) What teachers and state employees should do. (short pod series about K-12 403(b) issues) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/36841910

457(b) Heaven (#376) 05/30/2025

457(b) Heaven (#376) The Los Angeles Unified School District created its own 457(b) plan, and it’s excellent. It has won not one, but two awards. We speak with two members of the LAUSD Retirement Investment Advisory Committee who were and are instrumental to its success. (short pod series about K-12 403(b) issues) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/36738155

Tariff Talk with Cullen Roche (#375) 05/23/2025

Tariff Talk with Cullen Roche (#375) Who better to make sense of the tariff situation than one of our favorite guests, Cullen Roche, economist, and founder and chief investment officer of the Discipline Funds, a low-fee advisory firm. (short pod series about K-12 403(b) issues) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/36618150

Equitable EQUI-VEST Commissions Revealed (#374) 05/16/2025

Equitable EQUI-VEST Commissions Revealed (#374) Scott finds out just how much commission Equitable salespeople get for selling EQUI-VEST products. No wonder they fight reform so hard. No wonder they love to initiate exchanges. (short pod series about K-12 403(b) issues) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/36566645

Market Volatility Wisdom (#373) 05/09/2025

Market Volatility Wisdom (#373) Who better than best-selling author Morgan Housel to help put April's market volatility in perspective? Well we couldn't get Morgan on the pod but we have the next best thing: Morgan Houselisms! Enjoy. (short pod series about K-12 403(b) issues) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/36472540

Retired Educator Turned Fiduciary Advisor (#372) 05/02/2025

Retired Educator Turned Fiduciary Advisor (#372) Retired Los Angeles Unified School District teacher, principal and district administrator, Mary Ann Sullivan, is now officially a CFP®! Not only that, she is opening an advice-only, fee-only firm. Note: Mary Ann meant to say that the number of experience hours needed for a CFP® is 4,000 for apprenticeship and 6,000 for standard pathway (not the 2,000 and 4,000 hours respectively that she mentioned in interview). Learned by Being Burned (short pod series about K-12 403(b) issues) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/36208615

403(b)/457(b) Basics: Asset Allocation 04/25/2025

403(b)/457(b) Basics: Asset Allocation In episode two of our new pod series: 403(b) & 457(b) Basics Scott and Dan look at asset allocation. They describe what it is, why it's important and they go over several strategies for allocating a 403(b) and a 457(b). Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/36200315

Spring Cleaning Your Personal Finances (#370) 04/18/2025

Spring Cleaning Your Personal Finances (#370) Barbara O’Neill, PhD, CFP, AFC, owner/CEO of Money Talk: Financial Planning Seminars and Publications, and a monthly columnist for 403bwise talks spring cleaning your personal finances. Spring cleaning is more than deep cleaning and decluttering. It is a great time to neaten up your finances. /episode/index/show/teachandretirerich/id/36198885

Father & Daughter Educators: Partners in 403(b) Advocacy (#369) 04/11/2025

Father & Daughter Educators: Partners in 403(b) Advocacy (#369) Nicole and Larry Dubill, two Buffalo, NY area educators, share passion for education, music, and 403(b) advocacy. Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/36083545

Equitable Threatens Educator (#368) 04/04/2025

Equitable Threatens Educator (#368) Teacher who sought to educate colleagues about the 403(b) gets threatening email from Equitable. We read and discuss correspondence. Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/35993030

Captain America of Consumer Protection (#367) 03/28/2025

Captain America of Consumer Protection (#367) Erin Witte, Director of Consumer Protection for the Consumer Federation of America, discusses the work she does protecting consumers in the face of a very anti-consumer climate. Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/35892725

Inside the NTSA Summit Conference (#366) 03/21/2025

Inside the NTSA Summit Conference (#366) Anonymous attendees dish on remarks made at a recent conference by leaders of lobbying group working to keep broken multi-vendor, sales agent-driven K-12 403(b) market in place. Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/35783095

403(b)/457(b) Basics: How to start a 403(b) 03/14/2025

403(b)/457(b) Basics: How to start a 403(b) We debut a new pod series: Basics of the 403(b) & 457(b). In this series, which will eventually get its own channel, we will go over the basics of how these plans work, and how they can be used to save wisely for retirement. First off: How to Start a 403(b). Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/35678170

Does This Phishy 403(b) Email Violate FINRA Regulations? (#364) 03/07/2025

Does This Phishy 403(b) Email Violate FINRA Regulations? (#364) Teacher gets phishy email from Equitable salesperson. Does it violate FINRA section 2210(d)(1)(A) and (B)? - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/35568935

Retiring Before 65: How to Avoid Health Insurance Nightmares (#363) 02/28/2025

Retiring Before 65: How to Avoid Health Insurance Nightmares (#363) Lucretia Ryan, financial writer, educator, philanthropist and founder of FinancialFreedomforWomen.org., discusses the options for getting health insurance before age 65. Dan discusses his sudden need for a new healthcare policy. - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/35464805

Chris Nye the 403(b) Guy Returns (#362) 02/21/2025

Chris Nye the 403(b) Guy Returns (#362) We catch up with New Jersey high school business and personal finance teacher Chris Nye, one of the best 403(b) advocates in the country. He talks teaching personal finance, how teachers may have an excellent 403(b) choice already available and don't know it, and pension drama in New Jersey. (our first pod with Chris) (Chris's second appearance) - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/35357765

ERISA at 50 (#361) 02/14/2025

ERISA at 50 (#361) Scott and Dan look at the Employee Retirement Income Security Act (ERISA) which brought a fiduciary standard to most retirement plans. The act went into effect in 1974 but is beginning to show its age. - We almost had a simpler retirement system - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/35274025

Social Security Fairness Act (#360) 02/07/2025

Social Security Fairness Act (#360) Barbara O'Neill, CFP®, AFC® and Scott Dauenhauer CFP® break down the recently passed Social Security Fairness Act and what it means for some educators. They cover why the WEP and GPO were first put in place and what it's repeal means for: Those currently collecting Social Security benefits Those new eligible to collect Social Security benefits Those lacking enough credits to qualify for Social Security benefits At the conclusion of the recording of this episode Scott got a call from a family member who he had helped apply for this new benefit who shared the good news that she had just received a Social Security check for more than $9,000. WEP Chart note: Link mentioned in pod mysteriously stopped working the day after recording. A web search for new link is recommended. - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/35186760

Fantastic Mr. Fisch (#359) 01/31/2025

Fantastic Mr. Fisch (#359) Retired educator is prolific writer of state specific retirement guides for teachers (40 and counting); he's running for a seat on the Colorado PERA Board of Trustees; and he writes engaging and educational retirement planning material that he makes available for free. We discuss all of this and more. - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/34996000

Et tu, Vanguard? (#358) 01/24/2025

Et tu, Vanguard? (#358) We discuss Vanguard's settlement with the SEC over issues with target date funds held in taxable accounts. - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/34983925

Banned Brokers Love the 403(b) (#357) 01/17/2025

Banned Brokers Love the 403(b) (#357) Individual barred from acting as a broker goes all in on Florida K-12 market is another example of how broken the K-12 403(b) remains. - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/34887055

Teacher/Fin Lit Coordinator Joins Next Gen Personal Finance (#356) 01/10/2025

Teacher/Fin Lit Coordinator Joins Next Gen Personal Finance (#356) Our guest today, Aaron Standish, is the former Financial Literacy Coordinator (K-12) for the School District of Palm Beach County, Florida who recently joined Next Gen Personal Finance as their Partnership & Adoption Manager for the Southeastern part of the country. - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/34795375

Looking Back, Looking Forward (#355) 01/03/2025

Looking Back, Looking Forward (#355) Barbara O'Neill, CFP®, AFC®, and owner of Money Talk and a regular contributor to 403bwise looks back at key money issues in 2024 and ahead to 2025. - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/34700720

Top Teacher Financial Mistakes of 2024 (#354) 12/27/2024

Top Teacher Financial Mistakes of 2024 (#354) Former Baltimore teacher-turned fiduciary advisor Justin Garritt discuss the top teacher financial mistakes of 2024 that he sees in his practice. - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/34562965

Supporting Teachers Emotionally and Financially (#353) 12/20/2024

Supporting Teachers Emotionally and Financially (#353) Mai Nguyen, director of the Department of Social and Emotional Wellness Supports for Buffalo Public Schools, talks supporting the whole child and teacher. She also discusses the 403(b)/457(b) event she held that attracted close to 300 educators. - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/34423365

New and Improved Equi-vest 403(b) Product? (#352) 12/13/2024

New and Improved Equi-vest 403(b) Product? (#352) More like: Meet the new boss. Same as the old boss. We review Equitable's new Equi-vest Series 202 403(b) product. Note: We talk Buffalo Bills football and Oregon Duck football for the first six minutes and 25 seconds. - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/34404395

Breaking Good (#351) 12/06/2024

Breaking Good (#351) Dr. Jeff Venables is a veteran South Carolina Chemistry teacher whose advocacy led his district to add Aspire, Fidelity and Vanguard to their 403(b) lineup. But he's not done there. He's now lobbying state legislators. - Short pod series about how teachers got burned then got wise to the 403(b) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). /episode/index/show/teachandretirerich/id/34305675

Teach and Retire Rich

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