We all love it when something costs less than we think it will, especially something pricey like college. If you plan to send your kids to a private university and they go to a state school, what can you do with the extra money? Listen in as Nate Reineke and Ben Utley celebrate graduation season and break down the most effective ways to save for college and what you can do with leftover 529 funds.

We also answer your colleagues’ questions.

529 vs HYSA

A cardiologist in Oregon is curious which is better for saving for an upcoming college expense, a 529 college savings plan, or a regular high-yield savings account.

529 vs State Prepaid Plan

An ENT in Florida wants to know the benefits of using the Florida prepaid plan rather than a 529 college savings plan.

Funding Private Education

A Plastic surgeon in Missouri is wondering if using a 529 is a good way to pay for private K-12.

Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match, visit physicianfamily.com and click get started, or you can ask a question of your own by emailing podcast@physicianfamily.com.

See marketing disclosures at physicianfamily.com/disclosures

Bug infestations are stressful. Having an established relationship with a “bug guy” helps exterminate that stress. All emergencies are more stressful when you try to handle them alone, but having a financial planner who enables you to understand where funds can come from helps decrease your stress. Listen in as Ben Utley and Nate Reineke discuss what funds you should use to save for retirement and how those funds help cover you in an emergency.

We also answer your colleagues’ questions.

Changing Advisors

An ENT in Florida is changing advisors and wants to know if a proper break-up is required or if ghosting is acceptable.

Covered Call and Put Options

An internal med doc in Texas has been trying to get more involved in his finances and wants our opinion on covered call and put options.

A listener emailed in and is changing jobs. They are curious if they can fund an HSA right away or if they have to wait since they currently have an FSA.

Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com.

See marketing disclosures at physicianfamily.com/disclosures

If fishing were easy, they’d call it catching. If backdoor Roths were easy, they’d call it a loophole. Listen in as Nate Reineke and Ben Utley answer a cumbersome backdoor Roth question from a physician who fears they made a mistake, but the answer may be simpler than anticipated.

We also answer your colleagues' questions.

Investing Now: A retired physician in Alaska has a large nest egg, and they are concerned about the current economic and political situation. They want to know the best way to invest the cash.

Practice buy-in: A specialist on the East Coast has a buy-in opportunity and is wondering the best way to finance it.

Cash Balance Plan: An interventional radiologist from New Jersey is close to retiring and is curious if a cash balance plan is a good idea.

Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com.

See marketing disclosures at physicianfamily.com/disclosures

Buying a home is hard. As a physician, you want to make sure you get the best rate, use the right type of loan, and avoid the mistakes that drag out the process. Listen in as Ben Utley and Nate Reineke dissect the complex and confusing world of home buying with special guest and mortgage loan specialist Robert Hedges. Together, they answer your colleagues' concerns about how to find the best mortgage broker, when it is smart to buy points, and what up-front fees physicians should look out for.

If you are looking for your dream house and want to work with Robert, you can contact him using the information below.

Email Robert at rhedges@cmghomeloans.com

Call Robert at 541-515-8026

Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com.

See marketing disclosures at physicianfamily.com/disclosures

Let's be real here: You spent your first 20 years of life rolling your eyes at your mom's advice and the rest of your life realizing she was right. So right now, make sure you have a table reserved (or groceries bought) and flowers ready for Mother’s Day. Listen in as Ben Utley and Nate Reineke answer a tough listener question about whether the Roth 403b or a traditional 403b is right for a neurosurgeon from Maryland.

We also answer your colleagues' questions.

Car Buying

A surgeon in Connecticut says, “We are looking to buy a minivan. Given the recent tax tariffs, should we buy new, used, or lease one?"

Changing Jobs

A Double Doc family in Kentucky is moving states and changing jobs. They want to know the best way to contribute to their retirement accounts without facing extra taxes and penalties.

Housing and Home Loans

A Hospitalist in Utah is curious about the best refinancing options given the high interest rates and their plan to retire.

Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com.

See marketing disclosures at physicianfamily.com/disclosures

Your kids are growing up fast. That means more activities to keep track of on top of all your other commitments. How can you juggle being there for your family and working enough to save for retirement? Listen in as Nate Reineke and Ben Utley provide some tips on how to keep all the balls in the air while still planning for the future.

We also answer your colleagues' questions.

Retirement Investing: An ENT from Kansas City who is moving and changing jobs wants to know what we think of some advice they got from a local planner about rolling a 401(k) into an IRA.

Family planning: A surgeon in Connecticut is “financially nesting” as they prepare for a third child at the end of July. They ask what they can do now to prepare financially.

Tax Mistakes: A New Jersey Neurosurgeon was recently shocked by a big tax bill and is wondering if using a Roth 401(K) is a good idea.

Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com.

See marketing disclosures at physicianfamily.com/disclosures

Influenza. It’s a word that sounds ominous when you don’t know what it means. To a physician like you, influenza is nothing more than the average flu, but to a patient, it may sound scary. Does tax-loss harvesting sound extreme or even dangerous to you? Listen in as Nate Reineke and Ben Utley explain what tax-loss harvesting is and how your colleagues are using it right now to save taxes.

We answer some other questions you may have asked yourself.

Market volatility:

An ER/ crit care doc in Massachusetts asked for some thoughts about the market downturn, specifically regarding investment strategies, noting how difficult it is to see 60k in retirement savings gone in a few weeks.

457 plans:

A cardiologist in Oregon is facing a tough situation with their workplace being acquired. They want to know what to do with a non-governmental 457(b) that must now be distributed.

Home loans:

A Colorado cardiologist is house shopping and wants to find that perfect home. Since the process may take a while, he is waiting to list his current house and is curious about other financing options that don’t rely on the sale proceeds.

Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match, visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com.

See marketing disclosures at physicianfamily.com/disclosures

Bananas are cheap but not as cheap as they used to be and the price of almost everything else is going up faster than a monkey up a tree. Everything else but stock prices that is. We’ve gotten several questions from physicians like you essentially asking “What should we do?” Ben Utley breaks down questions about tariffs, taxes, the economy, markets, and what you should or shouldn’t do about it.

Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com.

See marketing disclosures at physicianfamily.com/disclosures