Episodes

  • Unpacking: What Does the "One Big Beautiful Bill Act" Mean for Me?

    Unpacking: What Does the "One Big Beautiful Bill Act" Mean for Me?
    Jul 14 2025
    The “One Big Beautiful Bill Act” or “OBBBA” took effect on July 4, 2025. What’s in the legislation? And how can you be smart about your taxes in light of the new laws? This episode breaks down the top five tax planning strategies plus a few bonus consi...
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    33 mins
  • Unpacking: Should I Invest in a Low-Cost S&P 500 Index Fund?

    Unpacking: Should I Invest in a Low-Cost S&P 500 Index Fund?
    Jul 2 2025
    We hear it all the time. “Put your money in an S&P 500 index fund.” Or, “put your money in a target date fund.” Set it and forget it. This episode probes the academic origins of passive investing, and walks through pros, cons, and an alternative approa...
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    33 mins
  • Q&A: How Do I Wisely Invest a $220K Gift?

    Q&A: How Do I Wisely Invest a $220K Gift?
    May 28 2025
    A listener writes: I have recently been gifted $220,000 and I want to wisely invest it! I obviously want the best of all worlds and would like the money to earn money AND be able to easily and safely without penalty withdraw funds when needed. This epi...
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    20 mins
  • Q&A: Should I Keep a Two-Year Emergency Fund in the Bank?

    Q&A: Should I Keep a Two-Year Emergency Fund in the Bank?
    May 4 2025
    A listener asks: Should I keep a two-year emergency fund in the bank? This episode explores both the energetics and practical details of emergency savings. Get full access to Diana Richey, JD, CFP® at dianarichey.substack.com/subscribe
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    18 mins
  • Q&A: How Do I Negotiate Divorce With Retirement Coming Up?

    Q&A: How Do I Negotiate Divorce With Retirement Coming Up?
    Apr 18 2025
    A listener writes: I’m almost 60 years old. I’m currently going through a divorce after almost 33 years of marriage. I haven’t worked outside the household for over 23 years. How do I know the divorce settlement is good, taking into account taxes, Medi...
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    38 mins
  • Unpacking: Where Should I Keep My Investment Accounts?

    Unpacking: Where Should I Keep My Investment Accounts?
    Feb 19 2025
    Maybe you are just starting your investing journey. Or maybe you want to organize and consolidate your investment accounts. Which brokerage firm should you choose? This episode defines a brokerage firm and helps narrow down the universe of available co...
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    30 mins
  • Unpacking: Where Should I Bank?

    Unpacking: Where Should I Bank?
    Jun 21 2024
    Maybe you want to open a new checking account. Or maybe you want to consolidate your accounts at fewer institutions. Which bank should you choose? This episode breaks down the distinction between banks and brokerage firms and gives you five criteria to...
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    29 mins
  • Q&A: Are There Good Real Estate Investments Right Now?

    Q&A: Are There Good Real Estate Investments Right Now?
    Jun 4 2024
    A listener asks: I tuned in to your podcast about real estate investing and the 10 cap formula (Episode 8, October 2023). Is it even possible to find a 10 cap deal right now? And, does it make sense to account for appreciation in the property itself? T...
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    20 mins