Teach and Retire Rich

Oops Vanguard Did It Again (#404)

Vanguard raises admin fees on 403(b) plans (again). CIT 403(b) legislation is back in the news. Equitable hits dubious milestone. New financial term. * April 2025 Admin Fee Increase [https://fischfinancial.org/2025/01/24/vanguard-increasing-403b-administrative-fee-to-80-a-year/] * Et tu, Vanguard pod? [https://teachandretirerich.libsyn.com/et-tu-vanguard-358] * 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®).

It's Becoming a Ritual (#403)

Bay area math teacher and Instagrammer Bree Lee talks teaching and running her popular financial Instagram account Ritual Finance. * Ritual Finance [https://www.instagram.com/ritual_finance/] * Instagram Bio [https://ritualfinance.myflodesk.com/?fbclid=PAZXh0bgNhZW0CMTEAc3J0YwZhcHBfaWQMMjU2MjgxMDQwNTU4AAGnUoAnsysBrk2HWCnFgNxV3D-xeOpm5oFZ4Q60z9kguxqr7Agm1sQcFRjSoI0_aem_Hrqnr6BTDsWyVGjZsAFeCw&utm_content=link_in_bio&utm_medium=social&utm_source=ig] * 2023 Interview [https://teachandretirerich.libsyn.com/she-does-the-math-posts-her-work-293] * Free Retirement Guide [https://ritualfinance.myflodesk.com/?fbclid=PAZXh0bgNhZW0CMTEAc3J0YwZhcHBfaWQMMjU2MjgxMDQwNTU4AAGnInnfb5p9wCjafP80WfsFNaO2eedY8sL7B57gsYPeY5Y0l_StPrmsSqUr2-8_aem_CQ0ElFhiLhjTkE60vLat5Q&utm_content=link_in_bio&utm_medium=social&utm_source=ig] * Money Guide for CalSTRS Members [https://ritualfinance.myflodesk.com/moneyguide] * 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®).

Markets Are Frothy and Concentrated. Time to Diversify? (#402)

The market is largely being driven by a handful of Artificial Intelligence-focused companies. Is it time to diversify? * Should You Buy at All-Time Highs? [https://ofdollarsanddata.com/should-you-buy-at-all-time-highs/] * Global Diversification Is Still Working [https://seekingalpha.com/article/4745728-global-diversification-still-working] * University of Missouri Risk Tolerance Assessment [https://missouri.qualtrics.com/jfe/form/SV_e5O9zdPbe1NDMWh] * Financial Visualization of Markets [https://finviz.com/map.ashx] (finviz.com) * 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®).

Catch-up (Contributions) If You Can (#401)

Age-50 contributions are changing in 2026. Here's what you need to know. * Treasury, IRS Issue Final Regulations on New Roth Catch-Up Rule [https://www.irs.gov/newsroom/treasury-irs-issue-final-regulations-on-new-roth-catch-up-rule-other-secure-2point0-act-provisions] * Catch-Up Contributions for Higher Earners in 457(b) Plans: What You Need to Know [https://www.kiplinger.com/retirement/retirement-plans/catch-up-contributions-for-higher-earners-in-457b-plans] (Kiplingers) * 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®).

More Dirty Little Secrets of Medicare "Advantage" (#400)

Lucretia Ryan of Financial Freedom for Women shares the tricks and traps of Medicare "Advantage" in this recorded 403bwise Event. * Financial Freedom for Women [https://www.financialfreedomforwomen.org/] * Presentation Slides [https://403bwise.org/pdf/Medicare-Advantage-Final.pdf] * Video of Presentation [https://www.youtube.com/watch?v=_8DtOUsJHZ4] * 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®).