17 Burst results for "Taxify"

"taxify" Discussed on Newsradio 970 WFLA

Newsradio 970 WFLA

02:01 min | 3 months ago

"taxify" Discussed on Newsradio 970 WFLA

"Levin, welcome back to the program. It's great to be here with you today past Hey, you know, I just mentioned it's a toxic world We're living in the environment is absolutely polluted. And I gotta tell you, I'm still shocked by what you sent me this ECA bat. Tissue survey that basically shows that we're all contaminated by plastics and solvents, virtually 100% of us in our tissue. It's downright scary stuff, right? Absolutely. This is a scary subject. And as you mentioned that EPA fact issues survey that was done on 33,000 U. S residents, they found her pins, plastics, chemicals, solvents in 100% of the samples so basically pad we're all contaminated. Then the environmental working Group back in 2000 and six found that Half water in 42 states systems laminated by more than 140 unregulated chemicals, Pat, This is the craziest thing of all they do. Studies of, Um Bella Bill cord blood. They find dozens of chemicals in umbilical cord blood. So I mean, what are we going to do about this? What are we going to do about this toxic environment to cleanse and detoxify your systems on a daily basis? So how do we do that? That's where this next generation organic juice cleanse with our special liver support. Blend comes in handy because it has over 30 different superfoods. They nourish all the cells and tissues of your body. You get the vitamins and minerals to fight a nutrients that we miss. When we don't get that 79 servings today recommended by the FDA, the USDA of fruits and vegetables. On top of that, because it's USDA certified organic. We're not getting any of the pesticides, herbicides just all that pure organic produce that supports all our tissues. But on top of that, it goes to work supporting the liver and its job of cleansing the Taxify in the system. So you get that cleansing every single day with O. J. C on top of that pack best news of all today. We're giving away a free bottle of O. J. C to everybody in the listening audience. Now, purity isn't saying that they're organic juice..

USDA 2000 EPA 79 servings today 42 states FDA over 30 different superfoods more than 140 unregulated chem ECA Levin six 100% Taxify dozens of chemicals single day 33,000 U. Bella J. C O.
"taxify" Discussed on KDWN 720AM

KDWN 720AM

01:50 min | 3 months ago

"taxify" Discussed on KDWN 720AM

"Levin, Welcome back to the program. Oh, it's great to be here with you today. Patch. Hey, you know, I just mentioned is a toxic world We're living in the environment is absolutely polluted. And I gotta tell you, I'm still shocked by what you sent me. This e p a bat. Tissue survey that basically shows that we're all contaminated by plastics and solvents, virtually 100% of us in our tissue. It's downright scary stuff, right? Absolutely. This is a scary subject. And as you mentioned that EPA fat tissue survey that was done on 33,000 U. S residents they found per peons, plastics, chemicals, solvents in 100% of the sample. So basically Pat, we're all contaminated. Then the environmental working group Back in 2000 and six found the tap water in 42 states is contaminated by more than 140. Unregulated chemicals. Pat, This is the craziest thing of all they do. Studies of umbilical cord blood. They find dozens of chemicals in umbilical cord blood. So I mean, what are we going to do about this? What are we going to do about this toxic environment to cleanse and the talks about our systems on a daily basis? So how do we do that? That's where this next generation organic juice cleanse with our special delivery. Support blend comes in handy because it has over 30 different superfoods. They nourish all the cells and tissues of your body. You get the vitamins the minerals to fight a nutrients that we miss when we don't get that 79 serving, said a recommended by the FDA, the USDA of fruits and vegetables on carbon that because it's USDA certified organic, we're not getting any of the pesticides, herbicides just all that pure organic produce that supports all our tissues. But on top of that, it goes to work supporting the liver. In its job of cleansing the Taxify in the system. So you get that cleansing every single day with O. J. C.

33,000 2000 USDA Levin FDA 79 serving 42 states today six EPA more than 140 over 30 different superfoods 100% Pat O. J. C. Taxify Patch dozens of chemicals single day U. S
"taxify" Discussed on Talk Radio 1190 KFXR

Talk Radio 1190 KFXR

01:37 min | 5 months ago

"taxify" Discussed on Talk Radio 1190 KFXR

"Trump's rallies and big announcements by going to newsman. Next dot com and watching Newsmax TV and make sure you sign up for Newsmax is Trump List. Get the latest on President Trump and his 2024 plans directly on your cell phone. Just text the word Remind to 39 747 that's remind to 39 747 Help us Take back America Joined the Trump List on Newsmax by texting. Remind to 39 747. Big news is about to happen. Be the first to know with Newsmax. Send Ramana 9 to 39 747. Now, if you owe back taxes, the I r s can make your life miserable. They put a lien on my house. They froze my bank accounts. They ruined my credit completely. I wasn't able to purchase anything. Edwardo called detoxify the tax relief experts. I save a lot. They got a settlement. My life changed completely. You know, I can open a bank account without being scared of them. But in a freeze on end the leaders of my house finally very, very professional people. Call for your free consultation now. 888 55 no tax 888 55 no tax. Don't waste your time called the Taxify. Believe me. They saved me a lot of money and I will recommend them to anybody call for your free consultation now, 888. 55 no tax 888 55 no tax..

Trump 888. 55 888 55 39 747 Newsmax Edwardo Taxify first Newsmax TV President Trump 9 2024 Ramana dot com America
"taxify" Discussed on News Radio 920 AM

News Radio 920 AM

01:51 min | 5 months ago

"taxify" Discussed on News Radio 920 AM

"For purity products. Dr. Levin, welcome back to the program. It's great to be here with you today, Pat. You know, I just mentioned it's a toxic world were living in the environment is absolutely polluted. And I gotta tell you, I'm still shocked by what you sent me. This EPA bat Tissue survey that basically shows that we're all contaminated by plastics and solvents, virtually 100% of us in our tissue. It's downright scary stuff, right? Absolutely. This is a scary subject. And as you mentioned that EPA fact issues survey that was done on 33,000 U. S residents, they found her peons plastics, chemical solvents in 100% of the samples. So basically Pat, we're all contaminated, then the environmental working too. Back in 2000 and six found that tap water in 42 states is contaminated by more than 140. Unregulated chemicals. Pat, This is the craziest thing of all they do Studies of, um Bella ble cord blood. They find dozens of chemicals in umbilical cord blood. So I mean, what are we going to do about this? What are we going to do about this toxic environment to cleanse and detoxify our systems on a daily basis? So how do we do that? That's where this next generation organic juice cleanse with our special Liver support Blend comes in handy because it has over 30 different superfoods. They nourish all the cells and tissues of your body. You get the vitamins the minerals to fight a nutrients that we miss. When we don't get that 79 serving today, a recommended by the FDA, the USDA of fruits and vegetables on top of that, because it's USDA certified organic. We're not getting any of the pesticides, herbicides just all that pure organic produce that supports all our tissues. But on top of that, it goes to work supporting the Liver in its job of cleansing, the Taxify and the system. So you get that cleansing every single day with O..

33,000 USDA EPA Pat 2000 Levin six 42 states FDA today over 30 different superfoods more than 140 dozens of chemicals 79 serving 100% Taxify single day U. S
"taxify" Discussed on KDWN 720AM

KDWN 720AM

01:55 min | 5 months ago

"taxify" Discussed on KDWN 720AM

"Purity products. Dr. Levin, welcome back to the program. It's great to be here with you today, Pat. You know, I just mentioned is a toxic world were living in the environment is absolutely polluted. And I got to tell you. I'm still shocked by what you sent me. This EPA bat tissue survey that basically shows that we're all contaminated by plastics and solvents, virtually 100% of us in our tissue. It's downright scary stuff, right? Absolutely. This is a scary subject. And as you mentioned that EPA fact issues survey that was done on 33,000 U. S residents, they found Turpin's plastics, chemicals solvents in 100%. The sample. So basically Pat, we're all contaminated. Then the environmental working group back in 2000 and six found the tap water in 42 states is contaminated by more than 140 on regulated chemicals. Pat, this is the craziest thing of all they do. Studies of, um, billable cord blood. They find dozens of chemicals in Umbilical cord blood. So I mean, what are we going to do about this? What are we going to do about this toxic environment to cleanse and the tax for your systems on a daily basis? So how do we do that? That's where this next generation organic juice cleanse with our special deliver support. Blend comes in handy because it has over 30, different superfoods. They nourish all the cells and tissues of your body. You get the vitamins the minerals to fight a nutrients that we miss. When we don't get that 79 serving today recommended by the FDA, the USDA of fruits and vegetables on Carver that because it's USDA certified organic, we're not getting any of the pesticides, herbicides just all that pure organic produce that supports all our tissues. But on top of that, it goes to work supporting the liver in its job of cleansing the Taxify in the system. So you get that cleansing every single day with O. J. C.

2000 Pat USDA EPA Levin 79 six 42 states today FDA over 30 more than 140 O. J. C. 100% dozens of chemicals Taxify 33,000 U. single day residents
"taxify" Discussed on Newsradio 970 WFLA

Newsradio 970 WFLA

01:52 min | 6 months ago

"taxify" Discussed on Newsradio 970 WFLA

"Purity products. Dr. Levin, welcome back to the program. It's great to be here with you today, Pat. You know, I just mentioned it's a toxic world were living in the environment is absolutely polluted. And I got to tell you. I'm still shocked by what you sent me. This EPA bat tissue survey that basically shows that were all contaminated by plastics and solvents, virtually 100% of us in our tissue. It's downright scary stuff, right? Absolutely. This is a scary subject. And as you mentioned that EPA fact issues survey that was done on 33,000 U. S residents, they found her peons, plastics, chemicals solvents in 100% of the samples, so they Basically pad we're all contaminated. Then the environmental working group back in 2000 and six found that tap water in 42 states is contaminated by more than 140 on regulated chemicals. Pat, this is the craziest thing of all they do. Studies of umbilical cord blood. They find dozens of chemicals in umbilical cord blood. So I mean, what are we going to do about this? What are we going to do about this toxic environment to cleanse and detoxify our systems on a daily basis? So how do we do that? That's Where this next generation organic juice cleanse with our special liver support Blend comes in handy because it has over 30 different superfoods. They nourish all the cells and tissues of your body. You get the vitamins and minerals to fight a nutrients that we miss. When we don't get that 79 serving today recommended by the FDA, the USDA of fruits and vegetables on top of that, because it's USDA certified organic. We're not getting any of the pesticides, their urban socks, just all that pure organic produce. It supports all our tissues. But on top of that, it goes to work supporting the liver in its job of cleansing the Taxify in the system. So you get that cleansing every single day with O. J. C on.

2000 33,000 Pat EPA USDA Levin 42 states six today FDA over 30 different superfoods more than 140 Taxify dozens of chemicals 100% 79 serving O. J. C U. S single day Dr.
"taxify" Discussed on News Talk 1130 WISN

News Talk 1130 WISN

07:00 min | 1 year ago

"taxify" Discussed on News Talk 1130 WISN

"Appreciate it, Paul. Don't say anything about shooting people, please. Yeah. E. Are you doing this show and Merry Christmas season to you and all your thank you. E think one of the things I appreciate about your show and let me just ask you a question. Do you think we are at work? I do in a in a number of different ways in a number of them would but intellectually culturally, scivally socially the only way we're not at war right now is, you know, gun the gun. And the reason I asked that question, and I believe the same is that I think the other side has figured that out. And and they're they're acting That way, and I think we have to start having that those on up on the conservative side have to start having that mind set. Because it's going to start with, like the cleaning up of our own front for it, right. You just had on the left representative and you talked about this at length of holding. Republicans. Um, uh, in this state, accountable, um Because then we wouldn't get brain hag adoring. On Gui would actually get people who fight I had contacted awhile back Convention of State. Because I thought they were an organization that was Um, you know, going to look at You know rhinos and try toe weed them out. Now they have gone completely quiet. I mean, I just think that it starts turn. I think we've got to get organized and then clean up the front porch and then really start pressing on a lot of these issues. I think we need to clean up the front porch because Unless we do that we're not going to be affected. Yeah, I don't disagree with you on that and convention of states that was more about, you know, calling up calling a convention of constitutional convention so that we could get some amendments. That might be able to give us a chance because the left and I think you're exactly right. The left is actually been using kind of a war footing, not a war footing again. Gun the gun. But when you're talking about tactics, and you're talking about long term strategy, using process as a weapon, using the courts using the Constitution, look at what they did in that in that case. The trump campaign case. They basically had us coming and going well, you you want us to follow the law, right? You want us to follow the rules? Well, then we're going to pick one particular law that is contradicted by another particular law, And we're gonna hold you to both standards that cannot be held simultaneously. That's what As with the left understands, really, really well is how to tie us up in a way that makes it impossible for us to fight while they used by any means necessary approach by any means by any means necessary set of tactics for the long term strategy of weakening this nation so that we ultimately do become a collectivist nation. In your right if we're gonna if we're gonna maintain the party, the idea of two parties and right now the best way to fight is to fight with with the largest force you have in the largest force we have right now is represented in the Republican Party. Then we need to bring the Republican Party to hell. And that's not something that we're comfortable doing it. I'll tell you why. We like to be nice. We like to be polite. We like T O assure ourselves that we always take the high road. If there's no way to take the high road and you've got a fight on the low road, then you have to fight on the low road. Our people are not sort of made to think that way. We need to start thinking that way, and the first thing we can do in Wisconsin is to is to refuse to accept. We can't do something as Republicans because we've got people representing Purple District's because we've got weak Republicans in week seats and we're too afraid of losing. That 60 40 or 55 45 seats, so we're not going to do anything terribly original or terribly controversial. And when I mean controversial, this is what is controversial to somebody who is occupying one of those purple seats. Election reform is controversial. That's controversial having an enforcement mechanism so that we can trust the outcome of statewide elections is controversial. Don't make me take a vote on that. Don't make me don't rock the boat. Don't make me have to take a position on that. Nothing that even rises to the level of a controversy. Evac 10. That's not even what we're talking about. We're talking about expecting Republicans. He bred Republicans and purplish Republicans to fight for we, the people and that is not asking a lot we're not asking them to, you know to, I don't know, Passes, secession resolution or something nutty like that. Something that that you saw kind of come out of the fringe side of the tea party movement. That's not what we're talking about. We're talking about how about you pass into success of legislative sessions and put to the people of vote on whether or not we should be able to term limit local representatives. How about that? How about you actually do the bidding of we the people and clean out the K 12 education system of that vile, poisonous racism and revisionism. That we have seen Taxify our kids classrooms for the last 20 years. Is that hard, right? That's not reinventing the wheel. Is it? That's not asking Republicans to walk a tightrope that isn't asking someone to go into open fire by themselves with no gun. These air, easy things and this and so I'm with you on that we start with our own people. And here's why we start with their own people because the Democrats don't give a damn what we have to say. The only people who care Are the people who are the people who could presume to hope to care the people who like to call themselves Republicans. Ask him to behave like Republicans, and by behaving like Republicans were not again asking for a lot. I like the music you pick Sean. Thank you very much. No more, Mr. Nice guy. No more, Mr. Nice guy to our own detriment. You can still be polite. You can stay. You can still be happy. You can still be nice. But you know what? You're gonna have to understand that part of the resistance efforts to resist the imposition of socialism from top to bottom in the United States and its common people is going to necessarily start In the state legislatures at your town board level, you know, at your city councilor school board level. One of the ways that might grease the skids on that town border local level would be for us to get the people who claim they support us. The Republicans to actually behave like they do. I'll be right back. Oh, my.

Republican Party Paul United States Wisconsin representative Mr. Nice Purple District T O Taxify Sean
"taxify" Discussed on 77WABC Radio

77WABC Radio

07:30 min | 1 year ago

"taxify" Discussed on 77WABC Radio

"Everybody falls in love somehow. Yes, just my time. So there's no talent. Something. My, uh, my place My raise for You have your job. Every minute. Back where John L Small would call us at 8889 at a Josh if you want the free book By John L. Smallwood of John L. Small with Dotcom called it Your Wealth. Keep it. Or you go to him is on by the book right now. 8889 today, Josh. If you're among the first five whose schedule and keep you know, obligation 27 point Ultimate financial game plan. We will give you a copy of his book free. And it is a nice, easy read and I'm so glad you wrote the book. So Could we have? Ah, OK, what do we have next? So basically where we talked about the four things you got to dio your wealth curve. What's up with this wealth curve? I know this is your own thing. Ah, but people need to know about their wealth curve. Ah, what is it? And why do they need to know about it? So the visualization is when you think about your future. Like an exponential curve. Looking at is, is my wealth. Rending upwards. Where's the curve? Going sideways? Or is it trending downward? What pressure Is being put on that positive and or negative That's helping list occur or decreased that Curtis and the idea is that when you visually see Hey, I'm going to be out of money by 75 by age 75. What? What did I do today? To stop that from happening. Right, and we put together what we call a blueprint. It's a welcome blueprint, which is a A complete snapshot. Where you are understanding the income sources, the savings rate or the withdrawal rate. The tax. You know all the layers of attacks, not just the federal tax with state tax, the spike and all of the things which we want to talk about later and then understanding where that wealth goes, where you go to non deductible that would have to goto Mortgage principal and interest. What do your real estate taxes? What are your insurance costs and then getting down to that rice down? Most people really don't know. What they spend on a monthly basis. And you and I both with experience this where somebody comes in and says, Hey, I need you to build me a retirement plan. That's going to get me £10 in a month. We used to go is young kids. We would go do it. You know 23 0? Yeah, sure, sir. We'll we'll build that plant and then you realize they don't need 10. They needed 15. Claims never going to work right? Because they weren't They weren't understanding were what they were really spending and there's this stupid thing that says you're going to spend less money every time. Yeah. You worked 40 50 houses who he now and now you're gonna fill that time with Three time in free time. You know, we Carter's money. I spend more on the weekends and I do during the week. Right? Yeah, That's a great point. You spend more in retirement than you never think. Or I give people said, Well, my kids, they're going to leave it out of the house, and then they spend more willingly on the grandkids than the kids. People do not have a true sense of spending. That's a great point. So let's go on to the go ahead. Yeah, um, just move forward. Okay, so we're going to go to the Biden tax plan. How does Biden's plan? Differ from how the current for one case system provides tax benefits for people in different tax brackets. This is a really important conversation. Let's start with the foundation of the 41 K plan now the sole purpose Of putting money into a 401 K plan, or an IRA or whatever Similar plan is Teo for money from the current tax bracket, hopefully a lower bracket. In the future. We all we can argue that all day long, whether that's gonna happen or not, but If if you end up in the same bracket or higher bracket, it doesn't make any sense, okay to differ. The other part of of a 401 K is to take advantage of that company matching dollar you know, and typically depending on the corporation, where you are If you put in 3% of your salary, you might get 3% in a match. That's money. That's really important to a lot of people. It's accelerating the savings rate. It's helping you put more money. Away. In the Biden in a current plan. You're you're getting a deferral. You're basically putting in $10,000 to the plan. Whatever your attacks, marginal brackets, which we'll talk about. Is your deferring it. And later on. When you take the money out, you'll pay action. Okay, so Biden in his tax plan wants to take the top marginal bracket. From 37 to 39.6. But if you look at the current Trump tax law At about $400,000 worth of income. You're you're effective bracket. Your marginal bracket marginal means. Effective is the average of what you pay intact and marginal is where your last dollars being Taxify makes $400,000 for 14. That money's being currently tax of 32% when I go above 4 14 Married filing joint. I'm paying tax at a 35% bracket, so this is a a massive increase. For 400 to $500,000, because what you're talking about is you're going from 32 35. 2 39.6, okay? He's also in his tax plan, and we'll talk more about that. We're gonna take our.

Biden Josh John L. Small John L. Smallwood Dotcom principal Curtis Taxify Carter
"taxify" Discussed on 77WABC Radio

77WABC Radio

05:53 min | 1 year ago

"taxify" Discussed on 77WABC Radio

"We will give you a copy of his book free. And it is a nice, easy read and I'm so glad you wrote the book. So Who do we have? Ah, Okay. What do we have next? So basically, we're talking about the four things you've got to dio your wealth curve. What's up with this wealth curve? I know this is your own thing. Ah, but people need to know about their wealth curve. Ah, what is it? And why do they need to know about it? So the visualization is when you think about your future. Like an exponential curve. Looking at is, is my wealth. Trending upwards. Where's the curve? Going sideways? Or is it trending downward? What pressure Is being put on that. Positive and or negative that's helping list a curve. Or decrease that Curtis and the idea is that when you visually see Hey, I'm going to be out of money by 75 by age 75. What? What can I do today? To stop that from happening right and we put together what we call a blueprint. It's a welcome blueprint, which is a A complete snapshot of where you are understanding the income sources. The savings ray or the withdrawal rate. The tax. You know all the layers attacks not just the federal tax with state tax spike and all of the things which we want to talk about later and then understanding where that wealth goes where you go to non deductible that morning to go toe. Mortgage principal and interest. What do your real estate taxes? What are your insurance costs and then getting down to that life down? Most people really don't know. What they spend on a monthly basis, and you and I both with experience this where somebody comes in and says Hey, I need you to build me a retirement plan. That's going to get me 10,000 month. We used to go is young kids. We would go do it. You know 23 0? Yeah, sure, sir. We'll we'll build that plant and then you realize That'll be 10. They needed 15. The plan's never gonna work right? Because they weren't They weren't understanding where what they were really spending and there's this stupid thing that says you're going to spend less money in retirement. You worked. 40 50 houses who he now and now you're gonna fill that time with Three time in free time. You know, we cockers money. I spend more on the weekends and I do during the week. Right? Yeah, That's a great point. You spend more in retirement than you never think. Or I give people said, Well, my kids, they're going to leave it out of the house, and then they spend more willingly on the grandkids than the kids. People do not have a true sense of spending. That's a great point. So let's go on to the go ahead. Yeah, um, move forward. Okay, so we're gonna go to the Biden tax plan. How does Biden's plan? Differ from how the current for one case system provides tax benefits for people in different tax brackets. This is a really important conversation. Um, let's start with the foundation of the former K plan now the sole purpose Of putting money into a 401 K plan, or an IRA or whatever similar plan is Teo for money from the current tax bracket. Hopefully a lower bracket in the future. And we all we can argue that all day long, whether that's gonna happen or not, but If if you end up in the same bracket or higher bracket, it doesn't make any sense, okay to differ. The other part of of a 401 K is to take advantage of that company matching dollar you know, and typically depending on the corporation, where you are If you put in 3% of your salary, you might get 3% in a match. That's money. That's really important to a lot of people. It's accelerating the savings rate. It's helping you put more money away. In the Biden in a current plan. You're you're getting a deferral. You're basically putting in $10,000 to the plan. Whatever your attacks, marginal brackets, which we'll talk about. Is your deferring it. And later on. When you take the money out, you'll pay accident. Okay, so Biden in his tax plan wants to take the top marginal bracket. From 37 to 39.6. But if you look at the current Trump tax law At about $400,000 worth of income. You're you're effective bracket. Your marginal bracket marginal means. Effective is the average of what you pay intact and marginal is where your last dollars being Taxify makes $400,000 for 14. That money's being currently tax of 32% when I go above 4 14 Married filing joint. I'm paying tax at a 35% bracket. So this is a A massive increase. For 400 to $500,000. Because what you're talking about is you're going from 32 35 to 39.6, okay? He's also in his tax plan, and we'll talk more about that. We're gonna take our.

Biden toe principal Taxify Curtis
"taxify" Discussed on 710 WOR

710 WOR

05:51 min | 1 year ago

"taxify" Discussed on 710 WOR

"Ultimate financial game plan. We will give you a copy of his book free. And it is a nice, easy read. And I'm so glad you wrote the book. So Could we have? Ah, Okay. What do we have next? So basically where we talked about the four things you've got to dio your wealth curve. What's up with this wealth curve? I know this is your own thing. Ah, but people need to know about their wealth curve. Ah, what is it? And why do they need to know about it? So the visualization is when you think about your future. Like an exponential curve. Looking at is, is my wealth. Trending upwards. Where's the curve? Going sideways? Or is it trending downward? What pressure Is being put on that positive and or negative that's helping lift occur. Or decrease that curve in and the idea is that when you visually see Hey, I'm going to be out of money by 75 by age 75. What? What can I do today? To stop that from happening. Right, and we put together what we call a blueprint. It's a welcome blueprint, which is a A complete snapshot. Where you are understanding the income sources, the savings rate or the withdrawal, Ray The tax. You know all the layers of attacks, not just the federal tax with state tax, the spike and all of the things which we want to talk about later and then understanding where that wealth goes where you go to non deductible that word had to goto Mortgage principal and interest. What do your real estate taxes? What are your insurance costs and then getting down to that life found most people really don't know. What they spend on a monthly basis. And you and I have bought with experience this where somebody comes in and says, Hey, I need you to build me a retirement plan. That's going to get me £10 in a month. We used to go is young kids. We would go do it. You know 23 0? Yeah, sure, sir. We'll we'll build that plan for you. And then you realize. I don't need 10. They needed 15. Clan is never gonna work right because they weren't A work understanding were what they were really spending and there's this stupid thing that says you're going to spend less money in retirement. You worked. 40 50 houses who he now and now you're gonna fill that time with Three time in free time. No requires money. I spend more on the weekends and I do during the week. Right? Yeah, That's a great point. You spend more in retirement than you never think. Or I give people said, Well, my kids, they're leaving out of the house, and then they spend more willingly on the grandkids than the kids. People do not have a true sense of spending. That's a great point. So let's go on to the go ahead. Move forward. Okay, so we're going to go to the Biden tax plan. How does Biden's plan differ from how the current for one case system provides tax benefits? For people in different tax brackets. This is really Important conversation. Um, let's start with the foundation of the form One K plan now the sole purpose. Of putting money into a 401 K plan, or an IRA or whatever similar plan is Teo for money from the current tax bracket. Hopefully a lower bracket in the future. We all we can argue that all day long, whether that's gonna happen or not, but If you end up in the same bracket or higher bracket, it doesn't make any sense, okay to differ. The other part of of a 401 K is to take advantage of that company matching dollar typically, depending on the corporation, where you are If you put in 3% of your salary, you might get 3% in a match. That's money. That's really important to a lot of people. It's accelerating the savings rate. It's helping you put more money. Away. Now. In the Biden in a current plan. You're you're getting a deferral. You're basically putting in $10,000 to the plan. Whatever your attacks, marginal brackets, which we'll talk about. Is your deferring it. And later on. When you take the money out, you'll pay action. Okay, so Biden in his tax plan wants to take the top marginal bracket. From 37 to 39.6. But if you look at the current Trump Pack law At about $400,000 worth of income. You're you're effective bracket. Your marginal bracket marginal needs. Second is the average of what you'd pay in tax and marginal is where your last dollars being Taxify makes $400,000 for 14. That money's being currently tax of 32% when I go above 4 14 Married filing joint. I'm paying tax at a 35% bracket. So this is a A massive increase. For 400 to $500,000. Because what you're talking about is you're going from 32 35 to 39.6, okay? He's also in his tax plan, and we'll talk more about that. We're gonna take our.

Biden principal Taxify
"taxify" Discussed on 103.5 KISS FM

103.5 KISS FM

01:39 min | 1 year ago

"taxify" Discussed on 103.5 KISS FM

"Hit music station friend Angie I'm reading in The Washington Post about the beginning of the NFL season. Sunday Thursday. Guess it starts Sunday. Bears lions. Ah, Peter said 00 and risky Yes. Ah, we're being optimistic. One mess up one interception bowls, bowls here we come to the rescue. This could be some big, empty stadiums. I guess some stadiums are going to fill the 20% capacity, which sometimes have a problem with that, because it's like, Well, how do you know if some people are gonna have sands and other people are going to have fans unfair advantage? Of course, they're gonna pipe in noise at a decibel, precise decibel level chosen by the league. They're also going to dump the footballs, I guess or dunk him in in like this. Yeah. I guess I'll just get those Taxify gloves was help. You know, ball, throw the ball. It's going to be weird. You know, I don't I don't know how it's gonna look or feel or whatever. And I hate the same noise crowd noise. I don't get why we can't be an open air stadiums. I mean, if we can be packed in the theaters right now movie I think it's getting people in and out. That's probably the issue because at some point everyone kind of funnels into a tight space. And then how did they get everybody in and out of the theater? You know, like when you go to the theater, they do they go roll. I row. Okay, so that stadium correct. I feel like there's a way to do it that way. I need us to think more about it. You know, it's not going to let him tailgate like outside the stadium I've seen I saw I saw that people that there are certain offsite tailgating places where they're almost the movie.

Peter NFL Angie I The Washington Post Bears Taxify
"taxify" Discussed on 77WABC Radio

77WABC Radio

03:05 min | 1 year ago

"taxify" Discussed on 77WABC Radio

"Taxify. Super duper hospitals say they're number one. On with radical cancer surgery. Radical cancer surgery means losing significant parts of one's body brain throat, breast, liver, pancreas, bladder prostate. More radical surgery often leads to severe consequences, deformities and dysfunction. I'm Dr Liederman, we're number one with non invasive, no cutting, no bleeding body radio surgery for cancer treatment. High success rates where we attack cancer, non invasively from head to toe. Thousands of cancers treated over deck. Kids with high success. Call Dr Liederman to 12 choices for free booklet. DVD 13 80 for Broadway. At 38th. Most insurance is Medicare. Medicaid, accepted Dr Lederman for new recurrent cancers, even if chemo radiation or surgery didn't work, or isn't wanted call Dr Lieberman for cancer treatment to and two choices called two and two choices for your cancer appointment. Dr Lieberman. 212 choices to 12 choices. 1877 Cars, Kids cars kids ate seven dead in cars, Kids don't your car today. 1877 cars for kids, Okay, kids ate seven setting cars. Kids don't take your car today. What about our programs and donate less on my car? Remember is quick and easy. You'll also get a vacation voucher and maximum tax deduction. Kids. Kids don't also accepting boats, motorcycles, RVs and real estate donations. Before addiction and depression kept me from living my life. Now every step I take in recovery benefits, everyone there many options that makes the road to recovery more accessible. It begins with the first step joined the voices for recovery. For information and treatment. Referral for you or someone you love. Call 1 806 6 to help. That's 1 806 624357 Brought to you by the U. S. Department of Health and Human Services. Radio 77 W. ABC presents one on one with me Curtis sleeping, So I prefer to be in this city or the suburbs. Come on. I was birthed in the city in the hood. You'll never catch me out. Leave it to Beaver Land. Father knows Badge Little house in the prairie. When I die, it's going to be under the ass. Four. I'll be eight feet under in a cardboard box one. On one Talk Radio 77 W. A. B C and a 77 c. AP Radio 77 BBC..

"taxify" Discussed on 77WABC Radio

77WABC Radio

02:09 min | 1 year ago

"taxify" Discussed on 77WABC Radio

"Nine forty Taxify hi this is Jay Farner CEO of rocket mortgage making the right financial decisions has never been more important we can help guide you to those right decisions now when they matter most mortgage rates are near historic lows so when you call eight three three eight rocket or visit us at rocket mortgage dot com to start your refinance you'll be well on your way to saving money every month the rate today on our thirty year fixed rate mortgage is three point three seven five percent APR three point five nine percent right now could be a great time for you to take some positive financial steps forward with a cash out refinance from rocket mortgage which could give you the boost that you're looking for in addition we may be able to help you refinance with little or no out of pocket costs at rocket mortgage we're committed to every client every time no exceptions no excuses giving you the best mortgage experience call us today at eight three three eight rocket we're going to rocket mortgage dot com to learn more rates of exchange a one point eight seven five percent feeders the discount rate to cover cost information conditions equal housing lender listens office states and all US number thirty three this is the city where danger lurks today a new creature walks among us causing fear mayhem and injury children look out for the dreaded digital dead walkers they're not looking out for you the thesis quest against their little hand held devices they put all good citizens in harm's way Hey pal pardon you digital dead walkers are multiplying until their behavior patterns can be modified the American academy of orthopaedic surgeons warns all innocent people to stay alert yet to step up and speak out Hey dude I'm Walkin here told me sorry I didn't see it click service message from the American academy of orthopaedic surgeons who want to keep everyone well connected with healthy bones here and.

"taxify" Discussed on Return on LifeStyle Podcast

Return on LifeStyle Podcast

02:20 min | 2 years ago

"taxify" Discussed on Return on LifeStyle Podcast

"On our Pravada wealthed dot com website if you'd like to learn more about that. I mean, it's always helpful to have visuals. They're able to walk through. So I'm one of those guys, I've got to have some charts graphs or visuals. So I can I can see what you're talking about. Exactly. So thank you. That's awesome. Cool. All right. And thank you for listening to the return on lifestyle podcast with Ray disco. If you have not subscribe to the podcast yet, please click the subscribe now button below this way, when Ray comes out with a new podcast, it'll ship directly on. You're listening device. This makes it much easier to share these podcasts with your friends, and family again. Thanks for listening today for everyone that provide a wealth management. This is Eric Johnson reminding you to leave your best day every day, and we'll see next time you are listening to the return on lifestyle podcast, click the subscribe button below to be notified when new episodes become available. The information covered in posted represents the views and opinions of the guests and does not necessarily represent the views or opinions of Proventil wealth management. The content has been made available for informational and educational purposes, only the content is not intended to be a substitute for professional investing advice. Always seek the advice of your financial advisor or other qualified financial service provider for any questions you may have regarding your investment planning the following program is sponsored by Proventil wealth management, which is solely responsible for its content and visory services offered through j w Cole advisors incorporated. Securities offered through j w Cole financial Inc. Member FINRA SIPC for a wealth management is an unaffiliated entity from j w cold visors, and j w Cole financial. The opinions expressed by Ray, also should not be construed as specific investment, legal, or tax advice, all economic and performance information as historic. And not indicative of future results. Investing may involve the risk of loss of principle, any tax advice on the show is not intended to be used by any person for the purpose of avoiding US, federal, or state tax penalties, net may be imposed on such person and each listener should seek advice from their tax advisor or legal console on topics that arise from the show. Nothing should be construed a solicitation of an offer to buy securities. The preceding program is sponsored by Pravada wealth management, which is solely responsible for its content.

Ray disco j w Cole financial Inc advisor US j w Cole advisors solicitation Pravada Eric Johnson
"taxify" Discussed on Return on LifeStyle Podcast

Return on LifeStyle Podcast

10:07 min | 2 years ago

"taxify" Discussed on Return on LifeStyle Podcast

"You're finally ready to start taking income are. So let me ask you the question. If if you've got money coming back from taxes. Well, so you've got the great. Lanning. You've got your income tax refund. You're going to get back five grand. This just say, okay. Can you then take that five thousand dollars that you got back since that is quote unquote cash in your pocket, and then figure out how much you could convert for that five thousand from your IRA to your, or your traditional IRA to your Roth IRAs are pretty easy. Calculation to be able to say, okay, I've got five thousand I can spend toward a conversion that's gonna Lami convert sixty three thousand dollars from my traditional to a Roth as does that does that work that way. That's exactly right. But the only way you can do that is if you have a proactive relationship with your tax prepare CPN, count, whatever it is in your financial adviser. And that's a really great point. Because ultimately, if you have that Fullwood look, then you can make that change before you file your taxes, and that's the key. Once you press the submit button, or once you put it in the mail, you get the five thousand dollars back that you just. Filed your taxes, you're going to have to amend and redo it again. So that's a good point being proactive, you know that you're going to be expecting five thousand dollars back. We can zero that down. We can say all right now that I know I've got that five thousand. I'm going to create more income taxable income. How am I going to do that? I'm going to take money from the traditional pocket call it ordinary income and put it into the Roth pocket. And so. Yeah, yeah. And that amount of how much you want to convert is going to be based upon. We'll how much money do you want to pay taxes this year because you have to pay it out of pocket so to speak? So questions I guess how much should you be converting every year? Yeah. Yeah. And the answer in it's kind of the default answer that frustratingly I give so often is that it depends. You know, it really depends a lot on your expectations for well what you made last year what you have to pay those taxes this year. And also to what you're expecting to pay in taxes or. Make an income next year because if you've had a banner year if you're in a business that gives bonuses or pays based on performance may not be a great year this year to pay taxes, and it also depends as you know, with the with the Trump tax laws, a lot of those write offs. A lot of those things that we used to be able to do as business owners, or as even employees who have perhaps some ten ninety nine income, they've disappeared, you know, the, the exemptions and so forth. And so if that's the case, then it depends. But let me give you an example. One of my clients. Was about sixty six years old and lived off of non-qualified funds for about three years. It wasn't a lot of fun. But he was able to defer his IRA all the way to seventy and a half. And he was also able to defer his social security until he was seventy as well. And so, because there was a plan in place, as he saw his non-qualified funds starting to go down because he was spending him down. He's thinking himself show, my portfolio in a whole is growing. But this one account just you know it we're really eating into it, and I explained to him reiterated to him again. Here is what you'd be paying if you turned on the same amount of income from social security, and from your IRA's. Sure, you might have more in this one particular account, but the government will have much more in their pocket. And so that kind of proactive planning like you're talking about can just save us from a world of hurt and. What's neat about Roth conversions is you can start early. You don't have to wait till you're sixty seven, you know, a lot of times, or sixty six in this case, a lot of folks do that. A lot of folks are like, okay now what? And they've got this imbalance, if you will with lots of traditional. Very little to. No roth. And so we start that conversion process, and it's and it's kind of hard to kind of hard to explain to folks and give them all of the features and benefits. But once the light goes on it means a much more efficient retirement, specially seventy and a half and beyond, but that's a concept that every single one of us could be doing if we're not already contributing to a Roth introduce 4._0._1._K now it's something that you can do to get yourself into balance by the time you come to retirement day. And I know that each person's going to have their own situation. Right. We've talked about it. Everything's individualized, but because of the fact that you're, you're saying that the Roth IRA grows tax free, right? You're not paying taxes on when you're withdrawing it. Why not convert a large sum or everything into a Roth instead of it being in a traditional? I would say that, that's probably one of the, the bigger debates out there right now in terms of financial planners looking at it, and saying, hey, it's only going to be worse. There's one particular RA guru, and that is his thought processes is that taxes are only gonna go higher than they are today. But we've been saying that up for a while, you know, it's kind of, like people saying taxes are always going to be higher in the future are kind of like the same people who saying the market's going to crash eventually, they're. Right. You know, and I'm one of those people, you know, there's going to be a correction doomsday, sky's falling eventually, they'll be pullbacks, eventually taxes will go higher. But are you sure that they're going to be higher on the day that you retire? You know, and so I can see the case for someone to do some conversions, especially if you're sixty five because there's extra exemptions and so forth. I don't wanna get in the weeds about it to do. Big raw conversions in this new Trump tax code awesome. Go for it but trying to end up with. One hundred percent Roth may not necessarily be the best for, you know, in the future, especially if you're contributing know especially if you have that chance to take the tax break now of those folks, I would recommend and also to every time I tell my clients to do this, you know, to split their contributions going forward fifty fifty or to do a conversion you know, I'm always afraid the phone's gonna ring in the CPA or their tax repairs will be mad at me 'cause your CPA your tax prepare. They tend to be all about maximizing this year. And I understand that, you know, they, they wanna save you the maximum amount of money, and they're, you know, crossing every eye dotting every outing every. See that's why I couldn't be a CPA. But the thing about the thing about CPA's is their experts in, in, in account either auditing. They're looking at the past, right? And so what we add is in the financial planning rooms. We're looking at the future, and we're trying to make sure that we are planning ahead. I would say the CPA's do that. But that's not their focus and I would also agree that probably financial planners aren't really, you know, focused on making the most of this particular tax year because that's kind of out of the sort happened. So that teamwork between the two is so key about that. And, and I still hold that the combination of fifty fifty Roth and traditional makes the most sense because we're talking about something that's unknowable in the future. Yeah. And I know you've really focused on Roth conversions today. But is there any other tips that you wanna cover? Yeah. The whole idea behind Roth conversions. And then that's a good question, because I'm being very specific on what you can do. But why you're doing is really to diversify the buckets of money that you have? Okay. So you're going to have money that is, you can get to, and you're being taxed as you go. That's non-qualified you're going to have Roth you're going to have traditional, but it actually there's another reason, and the other reason is because when you go to take pension income that complicates your taxes because oftentimes you're forced to take your pension at a certain age that's only five six percent of the population. I, I work with quite a few people who have them. But then there's another pension that we all have in that social security, and social security has complicated tax implications because it becomes part of a formula called, provisional income, and social security can be taxed at different rates, depending on your combine, provisional income. Now before you fall asleep at the we. You're listening to me talk about provisional income and social security. Here's the, the very cool thing we have software that produces what we call a tax map and that tax map will show, you and help you discover your affective marginal rate so that you'll be able to say okay, here's why I wanna take social security here and I'm gonna take my IRA contribution here and I wanna live off of this bucket over here. And it's so important because this is all very custom. You know it's very much every person that I sit in front of has a different story, a different fear a different goal. And having that conversation using the software and printing out report to show what under these rules what your tax situation would be is very powerful very eye opening in. It doesn't really the computer does all our thinking for us, and it spits out the answer. And then we talk about implementation, so nice nice. All right. I know we're getting short on time. Is there anything you want to close with? Today. Yeah. I would just simply say, do not listen to a word that I say, and here's why I don't know you and you don't know me. So it's real important that you that you speak with somebody that you get personalized advice. I don't want to give you some tax advice, not knowing you own a describe to you. Some of these financial planning principles. But, you know, if you'd like to know more and you'd like to take a look at the tax planning tax maps that we use. We're going to be putting up on our website, a webinar that we do about it, and we're gonna go a little bit deeper into the last part, the social security implications and how Roth conversions work and that'll be available on

Roth Lanning government Fullwood five thousand dollars sixty three thousand dollars One hundred percent five six percent sixty six years three years
"taxify" Discussed on Return on LifeStyle Podcast

Return on LifeStyle Podcast

06:53 min | 2 years ago

"taxify" Discussed on Return on LifeStyle Podcast

"And we've covered that a little bit in the pod. Cast the past. Yeah. Yeah. In the way, I can explain it that you can remember someone asks, you, or, or if you get confused, imagine the government comes to you, and you're a farmer. Right. And you say that they go in this look, Eric, would you like to pay taxes on the seed, or would you like to pay taxes on the harvest, and you get to choose? So if you pay taxes on the seed, that is a Roth IRA. You're not gonna pay taxes on the harvest, okay with the traditional you're paying tat, you're not paying taxes on the seat at all. But when the harvest comes out you're gonna take a little bit off of the field. And every time you take a little bit out, you're gonna pay a little bit of taxes. And so the question is, will which one is better, you know, which one is going to be the right thing for you to do. And I've got a blog actually that I can link to in the show notes, but. My philosophy is, is that we just don't know if you look back at all of the different legislations that gets passed that moving target. You see that we had fifty six percent tax rates, you know, in the Eisenhower days, and then we see the J of K a democrat reduces taxes, and then we see them high, again with the Carter, and then are reduced by a Reagan, and it's even more complicated than just the rates of taxes, but also the reward system if you will, you know, the tricks that you're able to play with the government to rearrange, where the money is in the pocket and because of that, and go further into it in the blog, I'm of the opinion that we should consider having fifty fifty in a Roth and fifty fifty fifty in a Roth and fifty and a traditional IRA or 4._0._1._K when you come to retirement. Now when you come to take income, and the rationale behind that is, is, you are diversifying, if it makes sense. Yeah. So if you can diversify and have a little. It here in a little bit there. You're going to you're going to experience the benefits of both not to the full and the reason I share that is because I look at someone like saved my father, who was a surgeon, and he finds himself working he's making a lot of money as a surgeon, so he puts everything into a traditional. He retires. Traditionally, you'd say okay, he's going to retire and not live off quite as much of earnings. Well, the reality is my dad hit seventy years old, and he's still working. He's like, hey I enjoy what I do. I'm having a good time. I'm going to keep on working, but so the traditional IRA worked out for him, pretty well, considering the fact that he was able to take all those tax breaks as he put his money away, the downside, of course now is, is when he has to take money out at seventy and a half, which will talk about a minute. Well, he's, he's paying a lot in taxes. So having fifty fifty for someone like my father, it was going to hurt more. If you had Roth contributions when he was a high earner, but it would hurt less now and having that. Conversation and understanding why you're having pain. Now, you know, financial planning is a lot about delaying your gratification. It's kind of like eating your vegetables, you may not necessarily like your vegetables. But, you know, you can't just have mashed potato mash potatoes would be the vegetables. I don't advocate a vegetable mass starchy, I don't know if account, but Brussels sprouts or vegetables, and I can't stand him. Oh, see I love Brussels. Brow, though. Of course, I cover them in bacon. But a little off topic here. Now the point is, is if you look at that plate that pie chart everybody else at their pie chart. Let go I got large-cap got small-cap whatever cap. That's great. And that's very important. But another thing you should look at it from diversification, as what type of tax qualification or non-qualification for that matter that your portfolio has because taxes are the tail that wags the dog? And I would shoot for a fifty fifty having a fifty fifty split when you get to retirement because you don't know we'll tax rates be higher. Will my income be lower? Traditionally people. Say go with the traditional, but now the tide is turning to say no one hundred percent Roth I think both the wrong just like saying, all large-cap are all small-cap wrong. We don't know the future. So Roth conversions them. What a Roth conversion will if you're young person right here right now. Okay. And you have a 4._0._1._K I bet you, if you call your plan, administrator, you talk to somebody in HR. You probably have a 4._0._1._K that has both a traditional and a Roth feature. And that is awesome. You know, that's relatively new what it basically means. It's much like a Roth IRA a traditional IRA in terms of when you pay taxes, if that's the case, let's work now on making sure that we target that fifty fifty so that when we get to retirement, age or income taking age, we have both types of pockets to take money out of, however, a lot of us, you know, I'm, I'm forty five years old, and raw 4._0._1._K's or new enough that, you know, I've already got a head start on traditional. So what do I do have a big traditional IRA, and a small little baby Roth IRA, well out of their largest, the government says, hey, we love you Ray. We want to take care of you. So here's what we want you to. To do well, here's an option for you. You can take money out of your traditional IRA pocket and put it into your Roth pocket. Okay. Oh, great. That sounds fantastic. And, and then I never have to worry about paying taxes on the Roth again. Yeah. But you gotta pay taxes when you go from traditional to Roth. Okay. So I'll take money out of my traditional IRA, have it withheld and pay my Roth taxes right now. No, you had to transfer it. Let's say it's one hundred thousand dollars in my IRA, and I transfer all of it to my Roth IRA the taxes that I have to pay. And I'll make up a number and say, it's fifteen grant cannot come out of that. Traditionally it has to come out of your savings has come out from cash, you've got laying around somewhere. So the reason we're doing this is so that we can pay taxes now and not have to pay taxes later, but keep in mind, you gotta have the money to pay those taxes and the other reasons. We're doing this is because our concern would be that when we get to seventy and a half a traditional IRA or traditional four, one K, the government's like look it's been fun. You had this free herreid, you haven't paid taxes on all these gross, and earnings, now we want you are taking money out. And so that's called an RMC a required minimum distribution. And some people know this some people don't. So I'll just review a quickly it forces you to take money out. And then, of course if you're taking money out you're gonna start paying taxes at the ordinary income level. Well, if you've done a little bit along the way I'm not saying you wanna take all hundred thousand but you wanna take a little bit every year out of your traditional and put it into your Roth and feel that pain. Now, it means less pain, at seventy and a half and doing that will help to detach, Safai your retirement. When you're

Roth Brussels Eric administrator Eisenhower Reagan Carter Ray one hundred thousand dollars one hundred percent fifty six percent forty five years seventy years one K
"taxify" Discussed on Return on LifeStyle Podcast

Return on LifeStyle Podcast

05:06 min | 2 years ago

"taxify" Discussed on Return on LifeStyle Podcast

"Welcome to the return on lifestyle podcast with Ray scales. Oh, from Pravada wealth management in this podcast, we help you overcome financial worries and make sense of planning investing insurance and banking. Join us for this journey as Ray draws from his expertise and interviews brilliant minds to help you enjoy life. The best is yet to come. Hello, and welcome to return on lifestyle with rediscuss oh. From Pravada wealth management, today, we're talking about de tax fine retirement. Good afternoon. Ray how're you? I am doing. Well, thank you very much for asking. I actually am better than usual. Because I just got back from about five days out of the office last week on a little vacation. Nice. Where'd you go we went to the beach, actually to a little island called Turks Keiko's? And so we just kind of sat there on the beach and got a little bit Browner and a little bit fatter and caught up on my sleep. So, yeah. That sounds like a fantastic vacation. Yeah right about now. Right. The problem though, is, is, you know, when you're on vacation, you could just at least in my case you kinda just let yourself go like every meal was thanksgiving. And, and now I think I need one of those, the celebrity Hollywood juice fast or something some sort of detox. Or something like that. Oh, yeah. Yeah. And I don't don't think that I didn't see what you just did there, by the way, the detox to the detox. Got it. Okay. That is a nice segue, by the way. And we were talking about detached defying retirement, what is what is the theory or the concept of detects a retirement. Sure. Sure. Well, kind of, like, when you find yourself eating lots of junk food, you find yourself feeling kind of way down all those toxins in your body. So if you look at your retirement journey, imagine you're going on a long walk. But you're carrying around a lot of extra weight. You got this backpack, and what's it filled with as big huge heavy backpack is filled with things that slow your retirement down? Slow down your affective nece and make your journey more difficult. Let me give you some examples. Imagine a big old stone, and that one of those stones is inflation. So we all know inflation, makes the dollar today worth less than the dollar twenty years from now. And it's this incremental thing that just weighs down your retirement barking. Volatility that weighs down your retirement because obviously, you know, some dangers there, and there's some stressed their healthcare costs, you know, the biggest expense above and beyond inflation, and other types of things, you buy groceries and gasoline, it's going to be healthcare, but occasions end of life care. Those are big things that way down. And today, one of the biggest things that I'd like to take out of your backpack to detoxify is taxes, and that's what we call it detached defying retirement. Plus, I think it just sounds kind of witty and so the tax a firing basically means let's figure out how we can lose that excess drag that excess baggage in the area of taxes, so that your retirement journey is easier more profitable and more thought through. And some of these you, you can do some things about which is healthcare, right that you're going to have cost, but the better you take care of yourself. Now the less hopefully. You'll have to spend later, I mean, there's always accents and things, but you can do some things to, to help yourself out. And like we've talked about another podcast taxes, you can do some things about. So I'm sure that we're going to go through that. So what can we actually do to detach Safai? Yeah. So that's a great point that you make, you know, there are things that we can do, and I also want to point out that I wanna make this point very clear. It's always a moving target. You know, it seems like every two four eight years, depending on who's in the house, and who's in the Senate news in the White House. The keep moving the keep moving the, the, the borders of the, you know, it's like you're playing football and they keep changing where the end zone is going to be. You're constantly out of balance. And then you kind of have to relive your life. So that's key. So when the Trump tax plan came out, I assumed, it would be a little bit better for someone like myself as a business owner. And it turned out to be worse for me, you know, and better for let's say my parents, and perhaps better for other folks. And that's the difficulty is that there is this legislative risk, if you will with taxes. And so let me talk cover some broad. Here's what you can do. Here's a conversation you should be having with your CPA your, your tax prepare your enrolled agent. Then your adviser to make sure that you're doing all that you can. And I'll start with the practical and specific. And then I'll kind of expand it and kind of go more general as to the why that you should be doing this. And so the number one thing I want to talk about, as far as the tax effecting, your portfolio is Roth conversions. And so you probably are aware of what's the difference between a Roth in a traditional correct. Correct. And

Ray Browner Pravada Turks Keiko Hollywood Senate business owner football White House two four eight years twenty years five days