Real Personal Finance
Your REAL personal finance questions answered by CERTIFIED FINANCIAL PLANNER professionals, Scott Frank and Nick Covyeau.
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Sep 17, 2026 · 18 minMaximizing Deductions and the 0% Capital Gains Bracket Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planSep 3, 2026 · 24 minEverything You Need to Know About Trump AccountsExplores a new tax-deferred savings account for minors allowing up to $5,000 in annual contributions. The hosts explain eligibility for government seed money and walk thrAug 20, 2026 · 28 minPlaying the Long Game with Lifetime TaxesScott and Nick unpack Roth conversion strategy by looking at lifetime taxes rather than this year's bill. They compare a 10-year conversion runway with a shorter 3-to-5-yAug 6, 2026 · 25 minReframing Midyear Reviews into RenewalsProposes shifting from backward-looking goal assessments to forward-focused renewal conversations. The hosts explain how to handle unexpected life changes and realign finJul 23, 2026 · 24 minThe High-Earning Budget BlueprintAddresses cash flow challenges for high earners with variable income like bonuses and RSUs. The hosts lay out automated systems that replace spreadsheet budgeting and allJul 9, 2026 · 24 minMoney, Meaning, and Marital HarmonyExamines couples with different retirement timelines, where one partner wants out of their career while the other keeps working. The episode explores staggered retirementJun 25, 2026 · 36 minRockets, Revenue, and the "Hype Tax" on the SpaceX IPOAnalyzes the SpaceX IPO valuation by looking at the financial fundamentals beneath the marketing story. The hosts discuss Starlink's profitability alongside the company'sJun 11, 2026 · 19 minHow to Turn a Layoff Into a Strategic Sabbatical Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planMay 28, 2026 · 24 minStructuring a 10-Year Retirement Runway Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planMay 14, 2026 · 23 minNavigating the High Stakes of Tech Stock Concentration Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planApr 30, 2026 · 24 minThe Tab You Keep Closing (And Why You Need to Open It)Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planApr 17, 2026 · 12 minHow To Stress-Test Your Finances Against Single-Employer RiskCurious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planApr 2, 2026 · 15 minYour Biggest Asset Might Be Your Biggest Tax ProblemCurious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planMar 5, 2026 · 26 minRetire From the Wrong Job, Not From WorkCurious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planFeb 19, 2026 · 22 minRethinking Inheritance: Give It Now or Leave It Later?There’s a common belief people have about money: you build it, you protect it, and whatever’s left gets passed on at the end. But what if the timing matters more than theFeb 5, 2026 · 21 minDeferred Compensation: Smart Planning or a Risky Bet?Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planJan 22, 2026 · 21 minHow to Stay Ahead of Taxes and Avoid PenaltiesCurious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planJan 8, 2026 · 18 minIs Your Financial Plan Supporting the Life You Want?Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planDec 25, 2025 · 27 minCan You Retire Early With Two Million Dollars?Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planDec 11, 2025 · 17 minThe Simple Automations That Can Actually Boost Your Net WorthIt’s wild how fast a year goes by, and when you finally look back, the gap between what you meant to do and what actually happened is bigger than anticipated. The trick iNov 27, 2025 · 20 minA Simple Guide to Smarter Giving The holidays have a way of bringing money and meaning into the same conversation. In this episode of Real Personal Finance, Scott and Nick lean right into that. Between fNov 13, 2025 · 26 minYour Financial To-Do List Before December 31stMost people wait until tax season to think about taxes, but by then, the window’s closed. Scott and Nick talk about how the best planning happens now, when there’s still Oct 30, 2025 · 24 minIt’s Open Enrollment Season: How to Avoid Leaving Money on the TableA lot of people are under-utilizing their corporate benefits, unintentionally leaving money on the table. Open enrollment is a great opportunity to review your company’s Oct 16, 2025 · 17 minWhat Business Owners Need to Know About the OBBBAThe One Big Beautiful Bill Act has some pretty great enhancements for business owners, but you have to know what you’re looking for in order to get them. Whether it’s theSep 12, 2025 · 16 minThere’s More to Saving for Retirement Than Knowing How Much Money You’ll Need“How much money do I need to save in order to retire – what’s my number?” It’s one of the most common questions financial advisors get, and we understand why. People want
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