I have been having great conversations with clients as we close out 2024.

I want to share them with you.

As educators, many of us will have higher incomes in retirement than we do during our careers (crazy right!).

While not all of these will apply to you, it's good to know what is available:

Ahh December...

The wonderful time of the year when all of the mutual funds Dave Ramsey has peddled are spitting out unreal dividends within taxable brokerage accounts.

It's crazy how a change in W-4 tax withholdings can completely change someone's tax outlook:

Owe on taxes = "I hate paying tax so much!"
Get a refund = "Oh wow, free money!"

When I get a question from one of my clients...

I know that MANY others are thinking the same thing.

Today's blog post is for families with young (or youngish) children who are trying to figure out how to pay for college/life for their children and which account to utilize

Link to blog:

I saved my clients ~$1500 in taxes today...

And I want to share so that you can take advantage if it applies to you.

This family is going to finish the year in the 12% tax bracket (yay for doing tax planning/projections) and has room to spare.

I talk to teachers (almost) every day about their finances.

While they can't always articulate it, there are a few financial planning topics that ALWAYS end up coming up.

Here are my thoughts!

Link to blog in the comments:

80/20 rule at play.

80% of my website traffic has come from 20% of my blog posts.

Here are the top 4 blog posts:

link to the blog in the comments

#EduSky #educators #teacher #teachers #PSLF #studentloans

What do we think:

1% interest rate on all federal student loans moving forward?

www.forbes.com/sites/adammi...

#studentloans #studentloan #EduSky #teachers

In my Masters of Education program...

EVERYTHING was about differentiated instruction.

Finally, I can apply this!

I now prep 3-5 hours per client meeting to differentiate their financial plan.

Imagine trying to do this for 100+ students EVERY DAY!

Stop and thank a teacher.

#EduSky #teacher

We don't have a teacher shortage, we have a:

(add your own!!!)

Teacher: "I have an Equitable 403(b)"

Me: "Is it an Equivest Series 201?"

Teacher: "Yes"

Me: "Have you ever been told how much you are paying?"

Teacher: "My salesperson told me I don't pay any fees!"

Me: "You're likely paying 2.0% -2.2% annually"

#Teacher: 🤯🤯

#EduSky #educator

An aspects of my job that I love is finding opportunities for #teachers that they might not even know existed!

While these are tangible results, the intangibles are often even more valuable.

Here are 4 recent examples of how I saved #educators thousands of $$$$.

Student loan changes are coming! (Blog)

There are more questions than answers right now, but I wrote about what I know now and where things might be headed.

This could be an important article to read if you have #studentloans and are working towards #PSLF.

#EduSky #teachers

Link in the comments:

Former teacher and first day on the app.

Is #EduSky pretty active here?!

I'd love to connect with any current/former teachers!

High School Math (Geometry/Algebra 2)

For the past 4 years I have dedicated my life/time to helping educators (and other public servants) navigate Public Service Loan Forgiveness and student loans in general...

With all of the chaos in the student loan world, what questions do you have?