Teach and Retire Rich

Student loan expert and financial planner David Gourley updates Dan and Scott on the volatile state of student loans (particularly PSLF loans) right now.  * K-12 Planning [https://www.k-12planning.com/services-fees] * Public Service Loan Forgiveness [https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service] * Learned by Being Burned [https://403bwise.org/burned] (short pod series about K-12 403(b) issues) * 403bwise.org [https://403bwise.org/] * Meridian Wealth Management [https://www.meridianwealth.com/team-member-01/scott-dauenhauer] Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

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. * Tennessee Throws Teachers to the Wolves (Blog Post) [https://403bwise.org/blog/entry/blog-tennessee-throws-teachers-to-the-wolves] * Tennessee Legislators Illegally Voting with Sticks (John Oliver) [https://www.tennessean.com/story/news/politics/2016/02/16/hbos-john-oliver-calls-out-tennessee-lawmakers/80462468/] * Learned by Being Burned [https://403bwise.org/burned] (short pod series about K-12 403(b) issues) * 403bwise.org [https://403bwise.org/] * Meridian Wealth Management [https://www.meridianwealth.com/team-member-01/scott-dauenhauer] Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

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.   * LAUSD 457(b) Deferred Compensation Plan Fund Lineup [https://lausd457b.voya.com/einfo/public/fundinfo.aspx?cl=lausdi&pl=711011PU&page=investment_informationfundinformation&domain=lausd457b.voya.com&s=&d=16d3518bbf1a242692068056d17badc54b69e07a] * Learned by Being Burned [https://403bwise.org/burned] (short pod series about K-12 403(b) issues) * 403bwise.org [https://403bwise.org/] * Meridian Wealth Management [https://www.meridianwealth.com/team-member-01/scott-dauenhauer] Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

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.    * An Autopsy of American Exceptionalism [https://www.pragcap.com/an-autopsy-of-american-exceptionalism/] * Three Things - China Deal [https://disciplinefunds.com/2025/05/12/three-things-this-is-a-big-deal/] * Learned by Being Burned [https://403bwise.org/burned] (short pod series about K-12 403(b) issues) * 403bwise.org [https://403bwise.org/] * Meridian Wealth Management [https://www.meridianwealth.com/team-member-01/scott-dauenhauer] Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

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.  * The Price of Enrollment [https://403b.substack.com/p/the-price-of-enrollment] * Podcast on SIOs [https://teachandretirerich.libsyn.com/how-free-is-free-279] * Plan Fee Disclosure Form for University of Jamestown [https://www.uj.edu/wp-content/uploads/pdfs/Equitable_CMOD_5-1-2023_201.pdf_8071_1701282582.pdf] * Equitable Plan Fee Disclosure Brochure [https://equitableassociations.equitable.com/jwp_ssc/mrp/common-mrp/pdf/mrp__plan-fee-disclosure.pdf?v=2023-05-23T00:00:00.163Z] * Learned by Being Burned [https://403bwise.org/burned] (short pod series about K-12 403(b) issues) * 403bwise.org [https://403bwise.org/] * Meridian Wealth Management [https://www.meridianwealth.com/team-member-01/scott-dauenhauer] Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).