Financially Lit
Welcome to Financially Lit — where financial literacy meets next-gen tech. Created by Sam Sith, entrepreneur and money educator, this podcast delivers smart, simple money talk through the power of AI. Each episode breaks down wealth-building, insurance, and entrepreneurship in a way that’s easy to understand and hard to forget — no fluff, just facts with flair. Whether you’re leveling up your finances or just getting started, Financially Lit gives you the tools to take control. Brought to you by Sam Sith. Delivered by AI. Built for your bag.
Episodes
In this episode, we break down how to apply for Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) — straight from the Social Security Administration. Learn who qualifies, how to apply online, and why understanding the difference between SSDI and SSI matters, especially if you or someone you love is navigating a disability or limited income. Let’s simplify the system and empower your ne...
Think Medicare covers long-term care? Think again. In this episode, we break down the biggest misconceptions around Medicare, Medicaid, and long-term care insurance. You'll learn why so many families are financially unprepared, what aging in place really requires, and how asset spend-down could derail your retirement plans. We’ll also talk about the hidden burden on caregivers and why long-term care insurance is ...
In this episode, we break down the proposed "Trump Accounts"—a new tax-advantaged savings plan offering $1,000 to babies born between 2024–2028. Could this be the ultimate wealth-building tool for future generations... or just another budget buster? Tune in as we explore what it means for parents, business owners, and the national economy.
The LTC market is stretched thin—but there’s hope. In this episode, we break down why traditional long-term care insurance is losing traction, and why hybrid life insurance with LTC riders is gaining steam. We’ll touch on the NAIC’s latest findings, what’s happening at the state and federal level (like WA Cares and the WISH Act), and what all this means for families and future planning. If you’re in the financial fiel...
What if your retirement strategy included more than just stocks and savings? In this episode, we break down how tools like Indexed Universal Life (IUL) and Fixed Index Annuities (FIA) can boost your retirement game. We’re talking about tax-advantaged growth, income protection, and legacy planning — all while filling the retirement gap most people don’t even know they have. Tune in to learn six smart ways insurance can...
College isn’t getting cheaper — so let’s talk strategy. In this episode, we’re comparing two major education savings tools: 529 Plans and Coverdell ESAs. I’ll break down the similarities, key differences, and how each one fits into your financial game plan. From contribution limits and tax benefits to what you can actually use the money for, we’ll help you decide which account makes the most sense for your goals. Whet...
Let’s talk legacy and security. In this episode, we’re breaking down the essential documents every family needs for smart estate planning. From Powers of Attorney to Living Wills, Trusts, and Beneficiary Designations — I’m unpacking what each one does, why it matters, and how to keep your plan updated. This is your crash course in protecting your assets, honoring your wishes, and giving your loved ones peace of mind. ...
Think you’ve got retirement all planned out? Not so fast. In this episode, we uncover the sneaky Medicare surcharge known as IRMAA — the Income-Related Monthly Adjustment Amount. It’s a “shadow tax” that can quietly drain tens (or hundreds) of thousands from retirees with higher incomes. If you’re planning to retire well, this is the healthcare cost you can’t afford to ignore.
In this episode, we break down how to boost your Social Security benefits by delaying when you start collecting—and how to fill the income gap in the meantime. Learn about the power of the "Social Security Bridge" concept using a cash value life insurance policy. Whether you’re planning to retire early or just want to make smarter money moves, this strategy could mean thousands more in lifetime benefits.
What if living to 100 isn’t a blessing—but a financial burden? In this episode, we unpack why more Americans fear running out of money more than death itself. Backed by new research, we talk about how most folks aren't planning for longer lifespans and the hidden risks of outdated retirement strategies. If you’re in finance, leadership, or just want to future-proof your money game—this one’s for you. Let’s talk l...
Just because you’ve planned your retirement doesn’t mean you're ready for the surprises. In this episode, we unpack the five hidden costs that quietly drain retiree budgets — from unexpected healthcare bills to inflation and family emergencies. Learn how to build a “stealth budget,” use HSAs strategically, and stay ahead of the curve so your golden years stay golden.
In this episode, we tackle a juicy (and common) money question: how can parents protect their child’s inheritance from a future ex-spouse? We’ll talk about the legal power of trusts, why inheritances don’t automatically become marital property, and how to preserve wealth for future generations. Whether you're a parent, a planner, or just nosey about in-law drama, this one’s got some real gems.
In this episode, we unpack annuity laddering — a smart strategy to create reliable retirement income. Think of it like building steps: one investment, split into staggered parts, timed to support different life stages. We’ll talk timelines, product types, interest rate protection, and how to create “income pay raises” for your future self. This is a must-listen if you want a clear, flexible path to long-term financial...
In this episode, we break down what the National Association of REALTORS® wants you to know about housing assistance programs. Whether you’re buying, keeping, or fixing up a home, there are resources out there — and not just for first-time buyers. We’ll cover the types of help available, what steps to take, and how real estate pros can help you navigate it all. If you’re dreaming of homeownership or trying to hold on ...
Big update alert! In this episode, we break down the new Social Security overpayment rules — including the shift from a 100% to 50% clawback limit. We also talk about how many retirees really rely on Social Security (hint: it’s more complicated than you think), how to dispute overpayments, request lower repayment rates, and avoid the latest scam traps. If you or someone you know depends on Social Security, don’t miss ...
This episode dives into key lessons from Saving Your Future, a financial guide created to help families across the U.S. and Canada build stronger financial foundations. We’ll cover how money works, the X-Curve concept, and why life insurance is more than just a policy—it’s protection and a wealth-building tool. You’ll also learn the basics of investing, retirement accounts like IRAs and RRSPs, and how to plan for thin...
In this episode, we’re digging into one of the biggest issues hitting families hard right now — the caregiver crisis. Long-term care (LTC) isn’t just a “someday” thing — it’s a real need, and guess what? Medicare doesn’t cover most of it. That’s where Cash Indemnity LTC steps in. We’ll break down how linked-benefit life insurance policies can provide flexible, tax-smart funding for care, especially for high-net-worth ...
Social Security isn’t just a government check—it’s a major piece of your retirement plan. In this episode, we break down the different types of benefits (retirement, disability, survivor, and family), how your earnings and timing affect your payout, and what you need to know about spousal and ex-spousal benefits. We’ll also unpack tricky rules like WEP and GPO, and talk about how taxes can impact your Social Security....
This podcast explores Social Security, the U.S. Old-Age, Survivors, and Disability Insurance (OASDI) program run by the Social Security Administration (SSA). We discuss the crucial benefits it provides, including retirement, disability, and survivor payments to eligible individuals and their families. Learn how eligibility is based on work history and taxes paid, with credits earned over time. We'll also examine ...
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