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.

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

Florida Men (#350) 11/29/2024

Florida Men (#350) Dan and Scott discuss their recent in-person speaking engagement in Florida which has left them a tad under-the-weather. They also discuss how to make the 457(b) even more superior to the 403(b). Finally, Dan hits Scott with a surprise topic. How does he react? - 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/34130716

Dan Turns 59.5 Which Means He's Eligible to Access His 403(b) (#349) 11/22/2024

Dan Turns 59.5 Which Means He's Eligible to Access His 403(b) (#349) Dan and Scott discuss accessing 403(b) money at 59.5 while working and the new age 60 "super" catch up provision which will go into effect in 2025. Dan also talks about completing the mission he and three other friends started in 1990: to see a game in every NFL city. - 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/34083526

Chicago Public Schools Single Vendor Story (#348) 11/15/2024

Chicago Public Schools Single Vendor Story (#348) Karla Kirkling, executive director of healthcare and benefits at Chicago Public Schools shares how she used data, facts, and common sense to create one of the best single-vendor K-12 403(b) in the country. It is plan that will save employees tens of thousands of dollars in fees over the lifetime of their careers. - 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/33934452

Catching Up (again) with Cullen Roche (#347) 11/08/2024

Catching Up (again) with Cullen Roche (#347) Cullen Roche is an economist, author, father and Founder and Chief Investment Officer of the Discipline Funds, a low-fee advisory firm. - 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/33821426

State 457(b) Plan Rating Project (#346) 11/01/2024

State 457(b) Plan Rating Project (#346) Every state runs a generally excellent 457(b) plan that firefighters, police, and other state employees contribute to. These plans often have large assets under management which leads to extremely low-cost investing options. Many states permit educators to contribute to these plans. Unfortunately not all do. We discuss our new tool that allows users to search state 457(b) plans for eligibility, plan costs, availablitly of low-cost index funds and other metrics. - 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/33709012

Dirty Little Secrets of Medicare "Advantage" (#345) 10/25/2024

Dirty Little Secrets of Medicare "Advantage" (#345) Audio recording of our September 25, 2024 event with Lucretia Ryan about the dangers of choosing Medicare Advantage. It is recommended that you click link (below) to visual accompanying Lucretia's presentation before listening to audio. - 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/33502662

Whose Interests Are Compliance Administrators Serving? (#344) 10/18/2024

Whose Interests Are Compliance Administrators Serving? (#344) Little known role — Compliance Administrator — can have massive effect on 403(b)/457(b) quality. Many school districts are being misserved and they don't even know it. Dan also shares a private jet story. - 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/33502447

The Wealthy Custodian in Retirement (#343) 10/11/2024

The Wealthy Custodian in Retirement (#343) Former custodian Jeff York talks retirement and the joy it has brought him. He also talks finances — including a bold approach to homeowners insurance — and a little fishing. - 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/33414837

From Engineer to Fiduciary Advisor (#342) 10/04/2024

From Engineer to Fiduciary Advisor (#342) Jesse Cramer went from designing satellite telescopes to financial planning. The host of The Best Interest Podcast talks career transition, Rochester, N.Y., and financial planning. 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/33319397

Teach and Retire Rich

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