This episode tackles some of the biggest financial decisions listeners are facing right now. Brian starts with a breakdown of upcoming ACA subsidy changes—why many families may see higher health insurance premiums next year and what planning steps to consider before open enrollment closes. We also cover challenges around financing a CBD/hemp-related business, why traditional banks often won’t lend, and what alternative paths may still be available. From there, we dive into real listener questions. One caller wants to know whether a Roth conversion makes sense alongside pension income and future retirement withdrawals. Brian walks through how conversions really work, the tax traps people overlook, and how withholding decisions impact your final bill. Plus, a question about pulling equity from a four-plex to refinance or reinvest. Brian explains the pros and cons of HELOCs, traditional refinances, and VA loan options in the current interest-rate environment. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS:   Ataraxis PEO https://ataraxispeo.com   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

This week, Jeremiah and Alex tackle the questions that real retirees are actually asking. From how to file for Social Security the smart way to how to unlock forgotten retirement money hiding in old accounts. They dig into Social Security myths and strategies, including how to decide when to file, the difference between spousal and survivor benefits, how income limits affect your payments, and what happens when SSDI converts to regular benefits. Callers share real-world dilemmas: a 64-year-old in cybersecurity weighing when to claim; a woman in California discovering a secret credit card in a community property state; and a couple debating whether to sell or rent a second home and how to avoid capital gains taxes using the Section 121 exclusion. The unstoppable duo wrap with tips on finding unclaimed 401(k)s, old accounts, and missing funds, plus why year-end is the perfect time to revisit tax strategies and portfolio moves. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren ————————————————————— SPONSORS:   Ataraxis PEO https://ataraxispeo.com   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————