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Smart Not Spoiled: Raising Financially Savvy Kids

Smart Not Spoiled: Raising Financially Savvy Kids

In this episode of the Dollar Wise Podcast, host Jason Gabrieli is joined by Chad Willardson, president and founder of Pacific Capital, bestselling author, and co-founder of GravyStack. Chad shares his journey of teaching financial literacy to children, inspired by his experiences as a father of five. He discusses the development of GravyStack, an innovative app designed to help kids learn about money through practical activities, and the importance of financial education at a young age. Chad also delves into the philosophy behind his book "Smart Not Spoiled," offering practical advice for parents on raising financially responsible children. Tune into…

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The Key To Retiring Early May Not Be Saving More

The Key To Retiring Early May Not Be Saving More

Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli and Catherine Allen-Carlozo, both CERTIFIED FINANCIAL PLANNERS at HFM Investment Advisors, discuss the most loaded question they encounter: "How much do I need to retire?" This discussion unpacks the factors that influence the answer to this question, highlighting personal spending, lifestyle choices, and strategic financial planning. By exploring various scenarios and personal anecdotes, they offer a comprehensive look into tailoring retirement planning to individual needs. Tune into this episode to also learn: Why retirement planning is highly personalized and varies significantly from one individual to another. The impact…

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Don’t Let 5% Savings Accounts Distract You From Investing for the Long Term

Don’t Let 5% Savings Accounts Distract You From Investing for the Long Term

Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli, CFP®, discusses the current trend of keeping money in cash. With high-yield savings accounts offering around 5%, many investors are unsure whether to invest or leave their money in cash. Jason highlights the importance of understanding historical returns and differentiating between short-term and long-term financial goals. He demonstrates how long-term investments in bonds and stocks have historically outperformed cash, despite recent attractive yields. The episode encourages listeners to align their cash holdings with their financial objectives and offers insights into market trends and behavioral finance. Tune into this…

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Unlock the True Potential of Your 401(k) Savings

Unlock the True Potential of Your 401(k) Savings

  Jason Gabrieli and Tyler Reedman, both CERTIFIED FINANCIAL PLANNERS at HFM Investment Advisors, dispel common misconceptions about 401(k) contributions. They dissect the difference between matching the employer’s contribution and maxing out a 401(k). They discuss contribution limits and strategies to increase contributions incrementally so you can optimize your savings. This episode is a must-listen for anyone looking to take full advantage of their 401(k) potential. Tune into this episode to also learn: The real meaning of 'maxing out' your 401(k) and common misconceptions. How automatic escalation can effortlessly boost your 401(k) savings. The impact of choosing between Roth and…

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Affording Retirement in New Jersey: Tax Benefits and Programs for Seniors

Affording Retirement in New Jersey: Tax Benefits and Programs for Seniors

When you retire, do you want to stay in New Jersey? Jason delves into the common concerns about retiring in New Jersey, such as the state’s reputation for high taxes and living costs. He also covers recent changes and programs like the Senior Tax Freeze and the Stay NJ program that make New Jersey a more appealing retirement destination. Lastly, he discusses the nuances of property and income taxes, providing valuable insights for those considering retirement in the Garden State. Tune into this episode to also learn: How recent tax reforms in New Jersey benefit retirees, particularly concerning property taxes…

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Charge Up Your Savings: Home Improvement and EV Tax Credit Overview

Charge Up Your Savings: Home Improvement and EV Tax Credit Overview

Home improvements, purchasing electric vehicles, and installing a qualified vehicle refueling and recharging apparatus at your home could entitle you to a tax credit. Jason reviews the different types of credits, their requirements, and the importance of consulting a tax advisor to optimize these opportunities to integrate them into your financial plan. Tune into this episode to also learn: Specifics of energy-efficient home improvement credits for installations like doors, windows, and HVAC systems. Details of the residential clean energy credit for adding renewable energy sources to your home. Insights into tax credits for purchasing new and used clean vehicles, including…

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HSA Strategies: Unlocking the Full Benefits of Your Health Savings Account

HSA Strategies: Unlocking the Full Benefits of Your Health Savings Account

Are you enrolled in a Health Savings Account (HSA)? In addition to being used for immediate medical expenses, it provides tax advantages and can be used as an additional retirement tool. Jason reviews the requirements for an HSA, such as enrolling in a high-deductible health plan and the potential to invest contributions for long-term growth. He also introduces the concept of a Limited Purpose Flexible Spending Account (FSA), which can complement an HSA by covering specific health expenses like dental and vision care. Tune into this episode to also learn: How HSAs can be strategically used for both immediate and…

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2024 FAFSA Updates: Navigating Changes in College Funding for Families

2024 FAFSA Updates: Navigating Changes in College Funding for Families

This year, students and their families will notice significant changes to the Free Application for Federal Student Aid (FAFSA) process. We'll review these changes and how they can impact families navigating college funding. Key topics include the reporting of student income, business and farm assets, retirement plan contributions, and the implications of having multiple children in college. Jason also touches on the impact of grandparent-owned 529 college savings plans on FAFSA results. Tune into this episode to also learn: How the new FAFSA rules in 2024 differ from previous years. The importance of understanding the nuances of reporting student income…

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Bitcoin ETF, Where Does It Fit Into Your Investments?

Bitcoin ETF, Where Does It Fit Into Your Investments?

Bitcoin has made a comeback in the last few weeks with the SEC's recent approval of Bitcoin ETFs. So, what does this mean for investors? Jason explains the implications of the Bitcoin ETFs, their accessibility for average investors, and the impact of this development on the value of Bitcoin while evaluating the risks regarding your investment strategy. He also discusses the broader context of investing in volatile assets like Bitcoin and offers guidance on approaching them within a diversified investment portfolio. Tune into this episode to also learn: The fundamentals of Bitcoin ETFs and their role in the financial market…

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Breaking Down Medicare: What You Should Know Before Enrolling

Breaking Down Medicare: What You Should Know Before Enrolling

Jason Gabrieli is joined by recurring guest Bill Webb from Saratoga Medicare Advisors to dive into the topic of Medicare. They recognize that Medicare can be a complex subject and often misunderstood, leading to surprises regarding coverage. Jason and Bill aim to provide valuable insights and dispel misconceptions about Medicare. They start by breaking down the different parts of Medicare, exploring what they cover and who is eligible. They also discuss the options available regarding Medicare supplement and Medicare Advantage plans, highlighting the differences and benefits of each. Whether you're approaching Medicare eligibility or just looking to expand your knowledge,…

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