The Jon Sanchez Show

Sanchez Gaunt Capital Mgmt
  • 4.3 (24)
  • Entrepreneurship
  • Updated Daily

Hosted by Jon Sanchez, Managing Partner at Sanchez Gaunt Capital Management, The Jon Sanchez Show offers thoughtful discussions on market developments, economic trends, and the factors shaping today’s investment landscape. Grounded in fiduciary principles and industry experience, each episode explores timely financial topics with a focus on clarity, discipline, and long-term perspective. Jon is joined by market professionals and guest contributors for well-rounded commentary designed to inform and engage listeners across the financial spectrum. This show is intended for those who seek a deeper understanding of financial markets without the noise—whether you're a seasoned investor or simply interested in how economic forces impact the world around you. Follow to stay informed and engaged in today’s evolving financial environment.

  1. 1h ago

    The Retirement Tax Bomb Hiding In Your IRA

    Welcome to The Jon Sanchez Show. I want you to imagine opening your retirement-account statement and seeing a balance of $1 million. You probably think, “I have $1 million saved for retirement.” But if that money is sitting inside a traditional IRA or 401(k), you may not really have $1 million available to spend. You have $1 million before taxes. The IRS has been patiently waiting for its share. For decades, Americans have been encouraged to contribute money to tax-deferred retirement accounts. You received a tax deduction, the investments grew without annual taxation, and you postponed paying the income tax until retirement. That can be a very powerful strategy. But tax-deferred never meant tax-free. Eventually, the government wants its money. Under current law, required minimum distributions generally force money out of traditional retirement accounts beginning at age 73 for many retirees—and at age 75 for younger individuals covered by the later SECURE 2.0 timetable. Those distributions can create a chain reaction. They can increase your taxable income. They can cause more of your Social Security benefits to become taxable. They can increase your Medicare Part B and Part D premiums. They can push investment income into a higher tax bracket, and after one spouse dies, the survivor may face many of those same income sources while filing as a single taxpayer. That is the retirement tax bomb. The most frustrating part is that many retirees have a window of opportunity to reduce this problem—but they fail to use it. That window may occur after they retire and their paycheck ends, but before required minimum distributions begin. It may also occur before Social Security, pensions and other income sources are fully activated. During those years, the retiree may have more control over taxable income than at any other point in retirement. They may be able to take strategic IRA withdrawals, complete partial Roth conversions, realize capital gains, make qualified charitable distributions or coordinate the timing of Social Security. But if they do nothing, the IRS may eventually begin determining how much money must leave the retirement account each year. Today, we are going to examine the four fuses attached to the retirement tax bomb: required minimum distributions, Social Security taxation, Medicare surcharges and the surviving-spouse tax trap. Then we will discuss strategies that may allow retirees to defuse that bomb before it explodes. Because a successful retirement plan should not merely ask, “How much money have you accumulated?” It should ask, “How much of that money will you actually be allowed to keep?” This is The Jon Sanchez Show.

  2. 3d ago

    Bad News Is Good News-Until It Isn't!

    There are days when the stock market appears to have completely lost its mind—and today may be one of them. This morning, we learned that the United States created only 29,000 jobs during September. Economists were expecting approximately 90,000. The unemployment rate increased from 4.1% to 4.2%. Average hourly earnings increased by only one-tenth of 1% for the month. And then we received the revisions. July’s previously reported gain of 21,000 jobs was revised all the way down to a loss of 10,000 jobs. August was revised from 162,000 jobs to 133,000. Altogether, 60,000 previously reported jobs disappeared from the books. This wasn’t merely one disappointing month. The Bureau of Labor Statistics now says the economy has created an average of only 45,000 jobs per month during the past year. So, naturally, the stock market rallied. The Nasdaq reached a record high. Technology stocks surged, Treasury yields initially fell, and investors reduced their expectations for another Federal Reserve interest-rate increase in October.

  3. 4d ago

    Stop Shopping For A House-Start Shopping For A Payment

    Today, I want to change one question that nearly every homebuyer asks. Most buyers begin by saying, “How much does the house cost?” I think that is the wrong place to start. The better question is: “What will this house cost me every single month—and can I comfortably afford that payment without sacrificing the rest of my financial life?” The average 30-year mortgage rate just jumped from 7.03% to 7.28% in one week. That was the largest weekly increase in four years. We also have the 10-year Treasury trading above 5%, which continues to put upward pressure on mortgage rates. So, if you are still shopping for a home the same way people did when mortgage rates were 3%, you are shopping in a market that no longer exists. A home’s asking price is only the sticker price. The real price is the monthly payment. That payment includes principal and interest, property taxes, homeowners insurance, possibly mortgage insurance, HOA fees, utilities, maintenance and the unexpected repairs that eventually come with owning any home. As an example, borrowing $400,000 at approximately 7.28% produces a principal-and-interest payment of roughly $2,740 per month. At 6%, that same loan would be approximately $2,400 per month. That is a difference of about $340 every month—and we haven’t even added taxes or insurance. But here is where today’s conversation gets interesting. A higher-rate market does not automatically mean there are no opportunities. It means the opportunity may have to be created. Perhaps the seller reduces the price. Maybe the seller pays for a permanent or temporary interest-rate buydown. Maybe the buyer chooses a different loan structure, negotiates closing costs or finds a home that has been sitting on the market with a motivated seller. The purchase price matters. The interest rate matters. The down payment matters. The seller concessions matter. But none of those numbers should be considered in isolation. They must all work together to produce a payment the buyer can afford—not merely today, but when the furnace breaks, the insurance premium increases or life throws the family a financial curveball. And here is my warning: never purchase a home that only works if you can refinance later. Refinancing should be a future opportunity, not the requirement that holds the entire plan together. Today, we are going to show you how to reverse the traditional homebuying process. Instead of finding a house, falling in love with it and then trying to force the financing to work, we are going to begin with the payment, build the financing around that payment and then find the right house. Joining me are Realtor Aaron Clark and mortgage expert Dwight Millard. Aaron, Dwight—let’s help our listeners stop shopping for a house and start shopping for a payment.

  4. 5d ago

    When Is It Time To Restate Your Estate Plan?

    Welcome to Estate Planning Wednesday. Let me begin with a statement that may surprise you: Your trust can be perfectly legal, properly signed, and completely wrong for your family today. That is because your estate plan was created for a particular moment in your life. It reflected the people you loved, the assets you owned, the laws in effect, and the decisions you had made at that time. But your life did not stop changing the day you signed your trust. Children grew up. Grandchildren were born. Parents passed away. Marriages began—and sometimes ended. You bought property, sold businesses, opened retirement accounts, accumulated more wealth, or moved to another state. Meanwhile, your trust may still be operating under decisions you made 10, 15, or even 25 years ago. So today, we’re answering an important question: When is a simple amendment enough—and when is it time to restate your entire estate plan? By the end of today’s show, I want you to be able to look at your own plan and place it into one of three categories: My plan is still current.My plan needs a limited amendment.My plan needs a complete restatement.

  5. 6d ago

    If 7% Mortgages Are The New Normal, What Happens To American Housing?

    For the last several years, we've been asking the same question: When are mortgage rates coming back down? Well, today I want to stop asking that question. Because right now we're looking at mortgage rates above 7%. The 10-year Treasury has moved above 5%. And today the 30-year Treasury reached a level we haven't seen since 2002. Reuters So here's my question: What if rates DON'T come back down anytime soon? I'm not predicting that. Nobody sitting at this table knows where rates will be two years from now. But let's conduct an experiment. Let's assume 6%, 7%, maybe occasionally 8% mortgages remain part of American life. Then we have a problem. Because we can't keep solving a 2026 affordability problem by waiting for 2021 to come back. Something has to change. Maybe home prices change. Maybe the houses themselves change. Maybe we build them smaller. Maybe we finance them differently. Maybe sellers have to change their expectations. Maybe builders change what they build. Maybe buyers change what they expect their first home to look like. Maybe families start living together differently. Or maybe... ALL OF IT changes. So today Cory, Dwight and I aren't predicting mortgage rates. We're asking something I think is much more interesting: How does American housing have to change if rates stay right where they are?

  6. Sep 28

    What Happens When Money No Longer Controls Your Life?

    I want to change the way you think about retirement today. In fact, for the next hour, I don't even want to use the word retirement. Because I think there's a better goal: FINANCIAL INDEPENDENCE. What's the difference? Retirement usually means: When can I stop working? Financial independence asks: When can I stop HAVING to work? Those are two completely different questions. Because what if you LOVE working? Keep working. What if you want to start a business? Start it. Want to work three days a week? Work three. Want to teach? Teach. Want to volunteer? Volunteer. Want to spend three months traveling? Go. Want to buy a ranch and spend Tuesday morning on a tractor? Knock yourself out. Financial independence doesn't tell you what to do. It gives you the freedom to decide. And THAT'S what I want to talk about today. Not dying with the biggest investment account. Not retiring at some arbitrary age because society says 65. But reaching the point where your money can support your life... and your life no longer has to revolve around making money.

  7. Sep 25

    10 Retirement Mistakes That Could Cost You $100,000 (or more)

    I want you to imagine something today. You open your retirement account tomorrow morning... and: $100,000 IS GONE. You'd lose your mind. You'd call your financial adviser. Your CPA. Your spouse. Maybe the police. You'd want to know: WHERE THE HECK DID MY $100,000 GO? But here's what's interesting. What if you didn't lose $100,000 overnight? What if you lost $10,000 here... $7,000 there... $15,000 somewhere else... over five or ten years? Would you even notice? Because after more than 30 years in financial services, I've learned something: The retirement mistakes that hurt people aren't always catastrophic. Sometimes they're boring. A bad tax decision. Too much cash sitting around. Helping the kids when you really can't afford it. Buying too much car. Selling investments because you're scared. Carrying expensive debt. Paying fees you don't understand. Individually, none of them destroys your retirement. But put ten of them together? There goes $100,000. Maybe $200,000. Maybe considerably more. So today we're going hunting. We're looking for 10 quiet retirement mistakes that can slowly steal $100,000 from your future. And I'm betting almost everybody listening is making at least one of them.

  8. Sep 24

    The 3% Mortgage Trap: When Is It Worth Giving Up Your Low Rate?

    I've got a question for homeowners today. And I think millions of Americans are wrestling with it. You bought or refinanced your house several years ago. Your mortgage rate: 3%. Maybe even 2-point-something. You probably brag about that mortgage. And you should. Because today, according to Mortgage News Daily, the average top-tier 30-year fixed mortgage rate is: 7.37%. That's more than double your rate. Mortgage News Daily So you're sitting there thinking: ‘Jon, they'll have to pry this mortgage out of my cold dead hands.’ I get it. But then something happens. You find THE HOUSE. Maybe it's the ranch you've always wanted. Maybe it's the house with the three-car garage. Maybe you need another bedroom. Maybe you're tired of your neighborhood. Maybe you're retiring and this is where you want to spend the next 20 years. And suddenly you've got a problem. You don't just have to buy the new house. You have to give up one of the greatest financial assets you own: Your 3% mortgage. And this isn't some tiny group of people. As of the first quarter, 19.5% of outstanding mortgages were still at 3% or below. Realtor So today Aaron, Dwight and I are answering one question: When does it make sense to give up a 3% mortgage? Because eventually there's a point where protecting the mortgage may start interfering with living the life you actually want. And today we're going to find that point.”

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About

Hosted by Jon Sanchez, Managing Partner at Sanchez Gaunt Capital Management, The Jon Sanchez Show offers thoughtful discussions on market developments, economic trends, and the factors shaping today’s investment landscape. Grounded in fiduciary principles and industry experience, each episode explores timely financial topics with a focus on clarity, discipline, and long-term perspective. Jon is joined by market professionals and guest contributors for well-rounded commentary designed to inform and engage listeners across the financial spectrum. This show is intended for those who seek a deeper understanding of financial markets without the noise—whether you're a seasoned investor or simply interested in how economic forces impact the world around you. Follow to stay informed and engaged in today’s evolving financial environment.

Information

  • Creator
    Sanchez Gaunt Capital Mgmt
  • Years Active
    2014 - 2026
  • Episodes
    1.2K
  • Rating
    Clean
  • Copyright
    © 2026 Sanchez Gaunt Capital Mgmt
  • Show Website
    The Jon Sanchez Show

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