New Money New Problems Podcast

NewMoneyNewProblems.com | New Money Solutions for New Money Problems
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Negotiating compensation. Purchasing your first investment property. Helping your family with money. The highs and lows of entrepreneurship. New money leads to new problems that require new solutions. The NEW MONEY NEW PROBLEMS PODCAST tackles the financial topics our listeners are navigating for the first time, providing the expertise, interviews and resources for them to do so successfully.

  1. You May Already Invest In SpaceX...Could That Be A Problem?

    4d ago ·  Video

    You May Already Invest In SpaceX...Could That Be A Problem?

    You Might Already Own SpaceX: How IPOs, Index Rules, and Heavy Weightings Can Increase Portfolio Risk In this episode, we explains how investors may already own SpaceX through index funds and 401(k)s, even without knowing it. Using SpaceX’s IPO as a case study, we distinguish stock exchanges (NYSE/Nasdaq) from stock indices (S&P 500, Nasdaq 100, FTSE Russell, MSCI ACWI), how each makes money (fees, data, licensing), and how index inclusion rules work (longevity, availability/float, profitability, location/industry). We then discuss the larger issue in the increasing concentration and interconnection among top tech/“Mag Seven” firms, making major indices less diversified than many assume. 00:00 SpaceX In Your Portfolio 00:48 Holiday Highs And Lows 01:50 Why SpaceX IPO Matters 03:50 Stock Exchange Basics 06:04 Stock Index Explained 09:09 S&P 500 Inclusion Rules 10:38 Indices Bend For SpaceX 13:23 How You Already Own It 14:42 Break And Gap Finder 15:51 Hidden Risk In Indices 16:49 Mag Seven Connections 18:51 Weighting And Concentration 21:50 Risk Tolerance Reality Check 22:47 Do Your Homework Closing Support the show

    24 min
  2. When Roth Accounts Are The Wrong Choice

    Jun 26 ·  Video

    When Roth Accounts Are The Wrong Choice

    Who Should Avoid Roth Retirement Accounts? Key Scenarios Where Pre-Tax May Win Join us from our new recording studio as we explain when Roth retirement account benefits like tax-free withdrawals and no required minimum distributions, are not ideal for everyone. We contrast Roth versus pre-tax taxation timing and outlines cases where Roth contributions may be disadvantageous. Scenarios include people currently in much higher tax situations than they expect in retirement, those likely to move from high-tax states to lower-tax states in retirement and borrowers on federal income-driven student loan repayment who can lower payments via pre-tax contributions. Tune in and see if a Roth is right for you (or not)! 00:00 Roth Hype vs Reality 00:14 Show Intro and New Studio 01:51 Why This Roth Episode 03:06 Roth vs Pretax Basics 05:31 High Taxes Now 10:07 Retire to Lower Tax State 12:17 Newsletter Break 12:35 Student Loans and AGI 13:57 Cash Flow Crunch 16:19 Near Retirement Medicare Traps 18:34 When You Have Other Assets 20:01 Wrap Up and Thanks Support the show

    21 min
  3. The #1 Question Before Making A Home Down Payment

    Jun 19

    The #1 Question Before Making A Home Down Payment

    Mortgage Recasting 101 In this episode, we discuss the most important question one can ask when determining their home down payment: “Can this mortgage be recast?” Using a $500,000 home example, Brenton explains amortization schedules and how recasting works: after a lump-sum principal payment, the lender recalculates the payment to keep the original payoff timeline while lowering monthly payments. We cover scenarios where recasting makes sense, questions to consider, and the opportunity costs of giving up large sums for a 20% down payment. 00:00 Down Payment Dilemma 01:05 Home Buying Season 01:59 Why Smaller Down 04:49 Ask About Recasting 05:04 Amortization Basics 09:20 Recast Example Numbers 11:13 Break And Promo 12:23 PMI And Affordability 15:14 Investing Opportunity Cost 17:51 Final Takeaways Support the show

    19 min
  4. Busting Student Loan Myths Before July 1st

    Jun 12

    Busting Student Loan Myths Before July 1st

    EPISODE RESOURCES Escape Student Loan Debt Podcast July 1 Deadline Changes, SAVE Ending, New Borrowing Caps, and Myth-Busting In this episode we explore major federal student loan changes tied to the key July 1 deadline and dispels common myths about what's to come. Key updates include new borrowing caps for Parent PLUS loans and the important distinction between a "standard" graduate student and a "professional" student. A new income-driven option, the Repayment Assistance Plan, arrives July 1, while PAYE and ICR will be phased out by July 1, 2028. Parent PLUS borrowers can lose access to IDR and PSLF after July 1 without required steps, and any new Parent PLUS borrowing after July 1 removes IDR/PSLF eligibility. SAVE is ending, with a 90-day window starting July 1 to choose a new plan. Consolidation must be completed and disbursed before July 1, and unnecessary consolidation can erase forgiveness credit. The episode also covers plan-switching credit rules, exemptions for already-enrolled students from new caps, and pending lawsuits challenging PSLF employer restrictions and graduate borrowing limits. 00:00 July 1st Changes Overview 02:11 New Borrowing Limits 04:27 New Repayment Plans 06:46 SAVE Plan Deadline 10:18 Consolidation and PSLF Risks 11:41 Parent PLUS Myth Busting 14:46 SAVE Letters and Timing 16:24 PAYE and IBR Updates 19:35 RAP Credit Transfer Rules 21:33 New Loans Change Eligibility 22:38 Borrowing Limits Exemptions 23:09 Lawsuits and Final Takeaways Support the show

    26 min
  5. 10 Things I’d Do If I Had to Start Over Financially

    Jun 5

    10 Things I’d Do If I Had to Start Over Financially

    10 Things I’d Do If I Had to Start Over Financially and Professionally In this episode, Brenton shares what he would do if he had to start over at ground zero in a new city with no money or relationships, inspired by a recent article about financial advice for Gen Z. He covers 10 steps he feels would give him a leg up, from collecting and organize email addresses, to prioritizing accessible capital over retirement funds. He then talks about wider a transferable skill set as a “generalist specialist” in an AI-disrupted economy and the dangers of comparing yourself to others. 00:00 Starting Over Blueprint 00:10 Podcast Intro 00:48 Why This Episode 02:50 Build Your Email List 05:24 Prioritize Accessible Cash 08:16 Lock In Insurance Early 09:04 Rent Or Buy Commitment 12:08 Rental Property All In 13:09 Learn Taxes Fast 14:42 Avoid Student Debt 17:58 Public Presence And Side Income 20:06 Generalist Specialist Career 22:16 Keep Your Focus 22:50 Wrap Up And Call In Support the show

    24 min
  6. Should I Contribute To My Child's 529 If I'm Behind In My Own Planning? [REPLAY]

    May 29

    Should I Contribute To My Child's 529 If I'm Behind In My Own Planning? [REPLAY]

    529 Plans vs. UTMA/UGMA and Brokerage Accounts: Choosing the Right Way to Save for Kids In this episode we explain how 529 plans work and why they can be powerful education-savings tools, highlighting tax-deferred growth, tax-free withdrawals for eligible education expenses, transferability to other family members, and high contribution limits including five-year front-loading. The biggest limitation is often the saver’s financial readiness, and many parents struggle to fund college meaningfully while juggling retirement, debt, housing goals, and other obligations. We discuss a Business Insider story about a couple weighing a 529 against a UTMA (and similar UGMA), outlining UTMA flexibility but potential tax issues and the automatic transfer of control to the child at adulthood, and explaining why the couple rejected both options and what they chose instead 00:00 529s And Alternatives 01:11 How 529s Work 02:57 Contribution Limits And Front Loading 04:39 When 529s Backfire 06:47 Rule Of Thumb 07:58 Break And Gap Finder 09:07 Case Study Katie And Husband 10:18 UTMA Basics And Risks 12:37 Why They Skipped 529 13:32 Brokerage Account Flexibility 14:21 Wrap Up And Takeaways Support the show

    15 min
  7. The (Huge) Risks Hidden In Your Insurance Policies

    May 22

    The (Huge) Risks Hidden In Your Insurance Policies

    EPISODE RESOURCES Prizm Insurance Property & Casualty Insurance for High Earners: Umbrella Coverage, Home/Auto Gaps (with Dave Olchowka) In this episode, we host Dave Olchowka of Prizm Insurance to discuss why property and casualty insurance is often overlooked yet critical for high-income and affluent households. Dave shares his 20+ years in personal lines, his move from State Farm to the affluent/high net worth market, and why he built Prizm as a tech-enabled brokerage partnering with wealth advisors to streamline reviews while providing human advice.  Dave contrasts captive agents vs brokers, then covers common coverage gaps: insufficient umbrella limits, inadequate home dwelling replacement-cost calculations, limited sewer/drain backup coverage, and weaknesses in standard auto policies (parts, valuation, and liability).  Join us as we cover this crucial element of financial planning! 00:00 Why P&C Matters 00:49 Meet Dave and Prizm 04:27 Prism vs Captive Agents 07:30 Coverage Gaps for Affluent 11:51 Break and Gap Finder 13:01 Umbrella Insurance Basics 14:56 How Much Umbrella 17:44 Rental Property Coverage 19:20 Auto Coverage Details 22:12 Rental Cars and Turo 24:44 Home Renovations and Rebuild 27:53 Tough Markets Roof Rules 30:25 Why Pros Beat DIY 33:04 How to Contact Prism 33:58 Final Thanks and Wrap Support the show

    35 min
  8. When Investment Real Estate Actually Works Pt. 2

    May 15

    When Investment Real Estate Actually Works Pt. 2

    When Investment Real Estate Actually Works In this episode, we break down when real estate can be an excellent wealth-building activity, contrasting last week’s case against owning one or two rentals. We detail groups for whom real estate has low acquisition costs—military veterans using VA loans and medical/dental professionals using physician loans—and how it can make it easier to keep prior homes as rentals when moving. We then explain why real estate works better at scale, where strong properties can subsidize weaker ones and accumulated equity enables leverage via HELOCs, larger portfolio credit lines, and even securities-backed lines of credit to buy quickly with cash and refinance. Finally, we cover strategies requiring top-tier tax help, including short-term rental exceptions, the Augusta Rule, Real Estate Professional Status, and using depreciation, cost segregation, and bonus depreciation to create paper losses that can offset income. 00:00 When Real Estate Works 02:15 Low Down Payment Paths 03:37 Physician Loan Example 05:41 Building Portfolio Scale 07:27 Leverage With Credit Lines 11:59 Appreciation And Timing 14:19 Break And Gapfinder 15:29 Tax Strategy Overview 16:36 Short Term Rental Loopholes 17:48 Augusta Rule Explained 19:56 Real Estate Pro Status 21:18 Depreciation And Cost Seg 25:09 Wrap Up And Takeaways Support the show

    26 min
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About

Negotiating compensation. Purchasing your first investment property. Helping your family with money. The highs and lows of entrepreneurship. New money leads to new problems that require new solutions. The NEW MONEY NEW PROBLEMS PODCAST tackles the financial topics our listeners are navigating for the first time, providing the expertise, interviews and resources for them to do so successfully.

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  • Creator
    NewMoneyNewProblems.com | New Money Solutions for New Money Problems
  • Years Active
    2022 - 2026
  • Episodes
    193
  • Rating
    Explicit
  • Copyright
    © 2026 New Money New Problems Podcast
  • Show Website
    New Money New Problems Podcast

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