Women, Wealth and What Matters: 5 Things with Tracy Byrnes

5 Things Every Woman Should Know About Money, Marriage & Financial Independence

The Most Dangerous Words in Marriage: “He Handles It” What happens when a smart, capable, educated woman slowly stops participating in her own financial life? Inspired by the conversations surrounding Strangers by Belle Burden, this episode is not about fear, blame, or expecting the worst. It is about awareness. In this deeply personal and practical episode, Tracy Byrnes shares the five financial truths every woman should understand before she ever needs them, including: ·      Why every woman needs to know her numbers ·      The importance of maintaining your own financial identity ·      How titling assets can change ownership rights ·      Why couples need regular “money dates” ·      And why building your financial team before a crisis matters This episode explores the emotional side of money, marriage, trust, independence, and participation -- without jargon, shame, or fear tactics. Because financial independence is not about preparing for divorce. It is about confidence. It is about understanding your options. And it is about making sure no woman ever feels lost in her own financial life again. Hosted by Tracy Byrnes, MBA, CDFA Vice President, Women & Investing, Lebenthal Global Advisors If you've got a question, a topic suggestion, or just want to say hi, shoot us an email at TracyByrnesWealth@gmail.com! Follow us on: X: @TracyByrnes Instagram: @TracyByrnesWealth

5 Things You Need to Know About Roth IRAs (Before You Open One)

Everyone talks about Roth IRAs like they’re magic — but few people explain what they actually are, who they’re best for, and when they make sense. In this episode, we break down the Roth IRA in plain English: how it works, why it was created, who it benefits most, and the key rules you need to know before contributing. We cover: * What a Roth IRA is — and why it’s named after Senator William Roth * 2026 Roth IRA contribution limits and income phaseouts * Why earned income matters * The difference between a Roth IRA, Traditional IRA, Roth 401(k), and Traditional 401(k) * Why Roth 401(k)s can be useful for higher earners * What a backdoor Roth is — and why it is not a DIY loophole * Why Roth IRAs can be powerful for young earners, women with changing income paths, and long-term tax planning * How Roths can help with retirement flexibility, estate planning, and tax diversification A Roth IRA is not right for everyone — but understanding how it works can help you make smarter decisions about your future. Because it’s not just about saving for retirement. It’s about giving your future self options. If you've got a question, a topic suggestion, or just want to say hi, shoot us an email at TracyByrnesWealth@gmail.com! Follow us on: X: @TracyByrnes Instagram: @TracyByrnesWealth

Where Should I Be Saving? 5 Savings Vehicles Every Woman Should Understand

Where Should I Be Saving? 5 Accounts Every Woman Should Understand Everyone tells you to “save more money”…but no one tells you where that money should actually go. In this episode, I break down the 5 key savings accounts every woman needs to understand — and more importantly, the order you should use them. We cover: * What a 401(k) and 403(b) actually are (in plain English) * Why Roth IRAs can be a game changer * The difference between Roth vs. traditional (and when each makes sense) * The hidden power of an HSA (most people miss this!) * How to prioritize your savings using a simple “waterfall” approach * Why college savings comes after your retirement * And the big mistake most people make when getting started If you’ve ever felt overwhelmed by all the options — this episode will give you clarity and confidence. Because it’s not just how much you save — it’s where you save it that matters. If you've got a question, a topic suggestion, or just want to say hi, shoot us an email at TracyByrnesWealth@gmail.com! Follow us on: X: @TracyByrnes Instagram: @TracyByrnesWealth

The 5 Money Terms Everyone (Women Especially) Pretends to Understand

The financial world isn’t actually that complicated—it’s just explained terribly. In this episode of Women, Wealth and What Matters, Tracy breaks down 5 market terms you hear all the time—but may not fully understand. In plain English, no jargon, no intimidation. You’ll learn: * What stocks and dividends really mean (and how companies decide to pay them) * How bonds and “yield” actually work * The real difference between ETFs and mutual funds—and what’s happening behind the curtain * What indexes like the S&P 500 actually represent * And how the Federal Reserve really impacts your money Because once you understand the language… * You stop feeling intimidated * You start asking better questions * And you make better financial decisions If you've got a question, a topic suggestion, or just want to say hi, shoot us an email at TracyByrnesWealth@gmail.com! Follow us on: X: @TracyByrnes Instagram: @TracyByrnesWealth

5 Things Your Tax Return Is Trying to Tell You (That Most Women Miss)

Taxes aren’t just something to file and forget—they’re one of the clearest snapshots of your financial life. In this episode of Women, Wealth and What Matters, Tracy breaks down the 5 things your tax return is trying to tell you—and what most women miss. Because your return isn’t just paperwork… it’s insight. You’ll learn: * What your income really says about your financial risk * Whether your investments are actually tax-efficient * Where you might be overpaying (and how to fix it) * What tax season reveals about your financial system * And the smart moves you can still make before April 15 If you’ve ever signed your return and moved on without really understanding it — this episode is for you. Because clarity — not complexity — is what builds confidence. If you've got a question, a topic suggestion, or just want to say hi, shoot us an email at TracyByrnesWealth@gmail.com! Follow us on: X: @TracyByrnes Instagram: @TracyByrnesWealth