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Your Money’s Worth

Kiplinger delivers timely, actionable personal finance guidance to help you earn, keep, and make the most of your money. Each new episode has down-to-earth insights on saving for retirement, cutting your tax bill, investing for growth and income, maintaining good credit, and much more.

Latest Episodes:

Episode 95: The Finances of Homeschooling Sep 14, 2020

Show notes

Kiplinger.com web editor Andrea Browne Taylor joins the show for a discussion on the financial pros and cons of homeschooling your children. Sandy and Ryan break down options for your 401(k) if you're leaving your job. A new Wild Pitches segment features a dubious poll about taxes, and a bit of scam protection you likely don't need.

--LINKS--

How to decide on a 401(k) rollover: https://www.kiplinger.com/article/retirement/t001-c032-s014-leaving-a-job-how-to-decide-on-a-401-k-rollover.html; What to do with old 401(k)s and IRAs: https://www.kiplinger.com/article/retirement/t001-c032-s014-what-to-do-with-all-those-old-401-k-s-and-iras.html; The finances of homeschooling your kids: https://www.kiplinger.com/personal-finance/spending/601143/the-finances-of-homeschooling-what-to-expect; Kiplinger's tax-filing advice: https://www.kiplinger.com/taxes/tax-filing; How secure are contactless payments? https://www.visa.co.uk/visa-everywhere/blog/bdp/2019/07/30/contactless-payments-are-1564505005367.html

Episode 94: Save on a Used Car Sep 07, 2020

Show notes

Ryan and guest host David Muhlbaum break down the rules for buying a used car in a main segment interview. The pair discuss nuances of the recent payroll tax cut and Ryan gives detail on his ranking of the best online brokers.

--LINKS--

Workers face double taxation under the payroll tax break: https://www.kiplinger.com/taxes/601322/how-workers-face-double-taxation-under-trumps-payroll-tax-break; How to save on a used car: https://www.kiplinger.com/personal-finance/shopping/cars/used-cars/600997/how-to-save-on-a-used-car; Get your car on the cheap: https://www.kiplinger.com/personal-finance/shopping/cars/601098/get-your-car-on-the-cheap; Kiplinger's 2020 online broker ranking: https://www.kiplinger.com/investing/wealth-management/online-brokers/601258/the-best-online-brokers-2020; Where's Robinhood?: https://www.kiplinger.com/investing/wealth-management/online-brokers/601276/best-online-broker-rankings-so-wheres-robinhood; Overlooked brokerage perks: https://www.kiplinger.com/investing/wealth-management/online-brokers/601271/most-overlooked-broker-promotions-perks

Episode 93: Find the right life insurance policy for you Aug 31, 2020

Show notes

Ryan and Sandy interview Policygenius CEO and cofounder Jennifer Fitzgerald on shopping strategies for life insurance policies. Sandy fills you in on pandemic-related fees, and Ryan explains changes to the Dow Jones Industrial Average.

--LINKS--

Fannie and Freddie pushing Covid refi fee to December: https://www.americanbanker.com/news/fannie-and-freddie-pushing-covid-refi-fee-to-december; How to shop for life insurance: https://www.kiplinger.com/article/insurance/t034-c000-s002-how-to-shop-for-life-insurance.html; Compare and buy life insurance policies online: https://www.policygenius.com/; The Dow announces biggest shake-up since 2013: https://www.kiplinger.com/investing/stocks/blue-chip-stocks/601288/dow-jones-industrial-average-crm-amgn-hon-xom-pfe-rtx; Apple's stock split could dampen the Dow: https://www.kiplinger.com/investing/stocks/blue-chip-stocks/601159/apples-stock-split-dow-jones-industrial-average

Episode 92: Prepare for Surprises in Retirement Aug 24, 2020

Show notes

Retired Kiplinger editor Janet Bodnar talks about preparing for choppy waters in retirement as well as the lessons she's learned about life as a retiree in a main segment interview. Ryan and Sandy go over rules for reversing RMDs, and a Wild Pitches segment touches on dual-state taxes and private jet sales.

--LINKS--

Retirees get a break with expansion of RMD waiver: https://www.kiplinger.com/retirement/retirement-plans/required-minimum-distributions-rmds/600944/retirees-get-another-break#:~:text=Rollovers%20Must%20Be%20Completed%20by%20August%2031&text=Now%2C%20retirees%20who%20took%20an,on%20a%20previous%202020%20distribution.; Staying calm in a crisis: https://www.kiplinger.com/article/retirement/t037-c022-s002-staying-calm-in-a-crisis.html; The joys of being retired: https://www.kiplinger.com/retirement/happy-retirement/601119/the-joys-of-being-retired; Expect surprises in retirement: https://www.kiplinger.com/article/retirement/t037-c022-s002-expect-surprises-in-retirement.html; How snowbirds can trim taxes in retirement: https://www.kiplinger.com/article/taxes/t055-c001-s003-retirees-living-in-multiple-states-limit-tax-bill.html; Kiplinger's state-by-state tax guide: https://www.kiplinger.com/kiplinger-tools/taxes/t055-s001-kiplinger-tax-map/index.php; Travel is cheap – where to go, and what to expect: https://www.kiplinger.com/personal-finance/spending/leisure/travel/601081/best-travel-deals-during-the-pandemic

Episode 91: The Pros and Cons of the RV Retirement Aug 17, 2020

Show notes

Sandy and Ryan chat with RV Dealers Association President Phil Ingrassia the advantages and pitfalls of RV ownership. The duo answer a listener question about slashed credit limits and close the show with discussion of the Fyre festival, used cars and interest rates.

--LINKS--

Banks cancelling cards, cutting limits: https://www.kiplinger.com/article/credit/t016-c000-s002-banks-canceling-credit-cards-cutting-limits.html; Ted Rossman on handling a cut to his limit: https://www.creditcards.com/credit-card-news/banks-cutting-credit-limits/; 9 Reasons to retire in an RV: https://www.kiplinger.com/slideshow/retirement/t037-s001-reasons-you-will-want-to-retire-in-an-rv/index.html; 13 Reasons you'll regret an RV in retirement: https://www.kiplinger.com/slideshow/retirement/t037-s001-reasons-you-will-regret-an-rv-in-retirement/index.html; Go RVing: https://gorving.com/; National RV Dealers Association: https://www.rvda.org/; Government auctions and sales: https://www.usa.gov/auctions-and-sales; How to buy a car for less during Covid-19: https://www.kiplinger.com/article/cars/t009-c004-s002-buying-a-car-safely-during-covid-19.html; How to save on used car: https://www.kiplinger.com/personal-finance/shopping/cars/used-cars/600997/how-to-save-on-a-used-car; Low interest rates reduce the cost of mortgages: https://www.kiplinger.com/article/real-estate/t040-c000-s003-low-interest-rates-reduce-the-cost-of-mortgages.html

Episode 90: Hire a Financial Planner You Trust Aug 10, 2020

Show notes

Ryan chats with CFP Board CEO Kevin Keller about how to hire, vet and pay for a financial planner. Sandy nerds out over the implication of the nationwide coin shortage, and Ryan explains the basics of hedging for inflation.

--LINKS--

America lurches toward a cashless future: https://www.kiplinger.com/article/spending/t057-c000-s002-move-toward-a-cashless-society-with-caution.html; Everything you need to know about the national coin shortage: https://slate.com/news-and-politics/2020/08/national-coin-shortage-everything-to-know.html; Find a financial planner you trust: https://www.kiplinger.com/article/investing/t023-c000-s002-find-a-financial-planner-you-trust.html; Let's make a plan: https://www.letsmakeaplan.org/; Check out an investing pro: https://www.investor.gov/; Finra's BrokerCheck: https://brokercheck.finra.org/; Protect your portfolio from inflation: https://www.kiplinger.com/investing/601115/protect-your-portfolio-from-inflation

Episode 89: Our guest is up 47% on the year. Here's what he learned. Aug 03, 2020

Show notes

Sandy and Ryan welcome back pod favorite Kyle Woodley for a discussion of investing winners and losers and what we can learn from them. The co-hosts clear up confusion around paying back stimulus checks and delve back into their backlog of bad PR pitches.

--LINKS--

Fat kid deals: https://twitter.com/FatKidDeals; Will you have to pay back any of your stimulus check: https://www.kiplinger.com/article/taxes/t054-c005-s001-will-i-have-to-pay-back-any-of-my-stimulus-check.html; What to do if your stimulus check is wrong: https://www.kiplinger.com/article/taxes/t054-c005-s001-what-to-do-if-your-stimulus-check-is-wrong.html#:~:text=So%2C%20once%20you%20receive%20the,sit%20tight%20until%20then%2C%20though.&text=The%20IRS%20will%20mail%20the,address%20it%20has%20on%20file.; Sign up for Kyle's newsletter: https://my.kiplinger.com/email/index2.php?e=staff@kiplinger.com&etype=&ec_column_id=&new_user=; The best bank for you 2020: https://www.kiplinger.com/personal-finance/banking/600928/the-best-bank-for-you-2020; Ryan's piece on Opportunity Zone funds: https://www.kiplinger.com/article/investing/t041-c000-s002-opportunity-zone-investing-is-it-for-you.html

Episode 88: Covid changes the college equation Jul 27, 2020

Show notes

Ryan and Sandy chat with Kevin Walker of CollegeFinance.com about how Covid-19 has changed the ways families are planning and saving for college. The hosts chat about tax refunds and delve back into the reader mailbag for a question on paying for a home in retirement.

--LINKS--

Tax refunds delayed: https://www.taxpolicycenter.org/taxvox/where-my-income-tax-refund; Where is my refund? https://www.irs.gov/refunds; What to know about your W-4: https://www.kiplinger.com/slideshow/taxes/t056-s001-new-w4-form-for-2020-irs-tax-withholding-changes/index.html; IRS tax withholding estimator: https://www.irs.gov/individuals/tax-withholding-estimator; 7 ways the pandemic will change college forever: https://www.kiplinger.com/slideshow/college/t014-s010-ways-the-pandemic-will-change-college-forever/index.html; CollegeFinance: https://collegefinance.com/; Low interest rates reduce the cost of mortgages: https://www.kiplinger.com/article/real-estate/t040-c000-s003-low-interest-rates-reduce-the-cost-of-mortgages.html

Episode 87: The State of Travel Now Jul 20, 2020

Show notes

Ryan and Sandy welcome Kiplinger staff writer Emma Patch for a discussion on all things travel as the world continues to open back up. Ryan breaks down changes to the list of Kiplinger's favorite dividend stocks. The pair dish on get-rich-quick schemes and credit rewards.

--LINKS--

The Kiplinger Dividend 15: https://www.kiplinger.com/investing/stocks/601018/kiplinger-dividend-15-our-favorite-dividend-paying-stocks; Two dividend picks hit a rough patch: https://www.kiplinger.com/article/investing/t041-c009-s002-two-kiplinger-dividend-15-picks-hit-a-rough-patch.html; Travel planning in the time of coronavirus: https://www.kiplinger.com/article/business/t059-c000-s002-travel-planning-in-the-time-of-coronavirus.html; The best rewards cards for 2020: https://www.kiplinger.com/slideshow/credit/t016-s002-the-best-rewards-credit-cards-for-you-2020/index.html; Work-at-home scams lead to business coaching schemes: https://www.consumer.ftc.gov/blog/2018/05/work-home-scams-lead-business-coaching-schemes; The FTC guide to WFH scams: https://www.consumer.ftc.gov/topics/working-home

Episode 86: File your taxes this week! Jul 13, 2020

Show notes

H&R Block tax honcho Kathy Pickering offers tax advice for last-minute filers. Ryan and Sandy break down the latest news on stimulus checks and Ryan answers reader mail about target-date mutual funds.

--LINKS--

IRS letters about unactivated stimulus cards: https://www.nclc.org/media-center/alert-irs-sending-letters-about-unactivated-stimulus-prepaid-cards.html; What if I threw out my stimulus payment? https://www.washingtonpost.com/business/2020/07/06/irs-stimulus-payment-debit-card-scam/?utm_campaign=wp_main&utm_medium=social&utm_source=twitter; Keep your stimulus payment notice in your tax records: https://www.irs.gov/newsroom/keep-economic-impact-payment-notice-with-other-tax-records

Tax tips for last-minute filers: https://www.kiplinger.com/article/taxes/t056-c005-s003-tax-tips-for-last-minute-filing.html; Is a target-date fund right for you? https://www.kiplinger.com/article/investing/t047-c032-s014-is-a-target-date-fund-right-for-you.html; Our latest take on Vanguard's target-date funds: https://www.kiplinger.com/article/investing/t041-c009-s002-vanguard-target-retirement-2030-keeps-its-eye-on-t.html; Invest in funds before buying stocks: https://www.kiplinger.com/article/investing/t052-c047-s002-why-you-need-to-invest-in-funds-before-stocks.html

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