Bigger Insights Finance

Bigger Insights Finance

The Bigger Insights Finance podcast helps you build a life you don’t need a vacation from. The goal of this podcast is to give you the education and insights you need to plan your financial future, grow, and protect your assets. Some of the topics discussed: Budgeting, saving, debt management, retirement planning, investing (stocks, bonds, real estate, commodities, gold, silver, cryptocurrency), business development, tax planning, tax-favored accounts (401(k), IRA, HSA), risk management, asset protection, and estate planning. Bigger Insights is about sovereignty and resilience. We help our clients achieve their goals and secure their future through finance, security, privacy, and technology. If you like this content, see our Privacy & Security and Technology podcasts as well. Visit biggerinsights.com to request a consultation, read our blog, or contact us. No content in this podcast should be construed as professional, financial, real estate, business, tax, legal, or other advice.

Episodes

Asset Location: Taxable vs. Tax-favored Accounts (401k, IRA, HSA)

September 30, 2023 • 17 mins
Asset Location (AKA Asset Placement) is a strategy for organizing your assets in an optimal way that helps you meet your financial goals. In the previous episode, we focused on asset location strategies for reducing taxes and simplifying your tax return. In this episode, we focus on asset location considerations for allocating capital between your taxable and tax-favored accounts (TFA) such as 401(k), IRA, and HSA. Topic discussed:...
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Asset Location: Reducing Taxes & Simplifying Your Tax Return

August 2, 2023 • 16 mins
Asset Location (AKA Asset Placement) is a strategy for organizing your assets in such a way as to reduce tax burden, simplify your tax return, and manage risk. We discuss our Asset Location strategies, which includes specifics about tax treatment for growth stocks, dividend stocks, taxable bonds, real estate investment trusts (REITs), precious metals (gold, silver), and commodities. We also detail considerations for foreign tax cre...
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What Does it Mean to be Able to Afford Something?

July 15, 2023 • 23 mins
Most everyone will agree that you shouldn’t buy things that you can’t afford, yet so many do. Why is that? It seems to us that one of the reasons for this is because many don’t know what it means to be able to afford something. Spoiler alert – it doesn’t mean you have enough money in the bank or have just enough income to cover it. In this episode, we're going to give you some things to think about when you're doing your budgeting,...
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Living Trusts: What and Why You Need One

June 8, 2023 • 27 mins
1 out of 3 US adults have an estate plan. 3 out of 3 need one. Revocable living trusts are powerful, flexible estate planning instruments which all adults should seriously consider, especially if there are children or significant assets involved. In this episode, we detail the advantages and disadvantages of living trusts. We also discuss the risks and headaches of dying either with only a last will or no estate plan at all (intest...
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Why You Should Consider Investing in a Roth IRA

June 2, 2023 • 18 mins
A Roth IRA is funded with after-tax dollars, but distributions are tax-free in retirement. Everyone knows that, but Roth IRAs have special properties and use cases that rarely get mentioned. We explain what the general and special benefits of a Roth IRA are, as well as under what circumstances you may want to invest in a Roth IRA. Some of the items discussed include tax-free and penalty-free distributions, protecting your assets fr...
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Why the 2020s Decade Will Likely Be Inflationary

May 19, 2023 • 51 mins
One of the biggest macroeconomic debates of today is whether we'll experience inflation or deflation over the coming years. If you survey 50 economists, you'll come up with 50 different answers. However, after much research, our opinion is that the 2020s decade will likely be inflationary in terms of the purchasing power of the US dollar (USD) within the United States. We explain our reasons why, supported by data, as well as defla...
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Bitcoin’s Fundamental Flaw That No One’s Talking About

May 10, 2023 • 27 mins
Bitcoin has a lot going for it. It has a very robust network, is rather decentralized, can’t be duplicated, etc. We’ve all heard the sales pitch. However, Bitcoin has a fundamental flaw that no one’s talking about. When it comes to privacy, frankly, we’re a little concerned. It’s no longer a secret that Bitcoin isn’t very good for privacy, but we’re convinced that Bitcoin’s transparent, public ledger will prove to be a bigger liabi...
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11 HSA Pitfalls to Avoid – Part 2

May 5, 2023 • 21 mins
Health Savings Accounts (HSA) are very powerful in that they can save you a lot on your taxes, but there are many pitfalls/risks that HSA participants should be mindful of. This is Part 2 of 2 episodes detailing 11 HSA Pitfalls to Avoid. If you haven’t yet listened to Part 1, go listen to that first. In this episode, we discuss the 5 remaining of the 11 pitfalls, including: 1. Employer mistakes, 2. Not reconciling expenses, 3. Not ...
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11 HSA Pitfalls to Avoid – Part 1

April 29, 2023 • 23 mins
Health Savings Accounts (HSA) are very powerful in that they can save you a lot on your taxes, but there are many pitfalls/risks that HSA participants should be mindful of. This is Part 1 of 2 episodes detailing 11 HSA pitfalls to avoid. In this episode, we discuss 6 of the 11 pitfalls, including: 1. Not shoeboxing expenses, 2. Missing qualified expenses, 3. Disqualified expenses, 4. Personal vs. payroll contributions, 5. Over-cont...
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The Best Way to Pay Your Taxes to the IRS

April 13, 2023 • 12 mins
Tax Day is almost here, which is April 18, 2023. If you’ve been following the news, you’ve probably heard Janet Yellen warning about the US Treasury running on fumes. According to Joe Biden, paying taxes is patriotic. So if you’re feeling like a patriot, and want to throw Janet a lifeline, you may be wondering what the best way is to pay your taxes to the IRS. There are several ways to do this, but which is the best way for individ...
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HSA – Demystifying Tax Form 5498-SA

April 4, 2023 • 9 mins
Health Savings Accounts (HSA) are powerful, but can be complicated and confusing. One of those areas of confusion comes from Form 5498-SA. In this episode, we explain why you receive 5498-SA in May as well as some HSA pitfalls to avoid. We also discuss how contributions are reported in 5498-SA Box 2 and Box 3, in addition to W-2 if you contribute through payroll. Visit us at biggerinsights.com to request a consultation or read our ...
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Why Employees Should Care About the Tax Code

April 3, 2023 • 36 mins
Are you living paycheck-to-paycheck or struggling to meet your financial goals? Taxes are one of, if not your biggest expense. It is a myth that employees who don’t have millions in assets shouldn’t concern themselves with the tax code because they have little or no opportunities to manage their taxes. It is true that some of the best tax opportunities are reserved for the wealthy (e.g. accredited investors), but employees have opp...
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Welcome to Bigger Insights Finance

June 22, 2022 • 45 mins
Welcome to the Bigger Insights Finance podcast, where we’ll help you build a a life you don’t need a vacation from. The goal of this podcast is to give you the education and insights you need to plan your financial future, as well as grow and protect your assets. We'll essentially be discussing all things personal finance, but some of the most notable topics include budgeting, saving, debt management, retirement planning, investing...
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