More Than Commas
Join Sound Financial Group CEO Paul Adams and President Cory Shepherd weekly as they guide listeners in designing and building a good life through financial planning. They critique media that encourages spending over saving and emphasize the importance of intentional financial decisions. Unlike many unlicensed financial podcasts, this show is hosted by licensed advisors with nearly two decades of experience. The podcast aims to help listeners secure their financial future rather than leaving it to chance.
Episodes
366 - Building the Career Without Losing the Life
What does it actually take to build a career and a life you don't want to escape from? In this episode of More Than Commas, Paul sits down with Jamie Moraga, founder of a woman-owned military and defense engineering business, author of Revered: The Power of Female Leadership, and a CEO who successfully exited her company via M&A, to talk about what it really looks like running a household with t
365 - How Great Leaders Build Teams That Make Them Better
What does it actually take to hire the right people -- and build a team that makes you better? In this episode of More Than Commas, Paul sits down with Jaidin McCann -- President of PeopleConnect Staffing, HR executive, and founder who has built six companies and led three successful exits -- to talk about the real game of talent acquisition, executive hiring, and what separates great leaders fr
364 - The Disneyland Cheat Code
We skipped the 3-hour line. And it cost us more than our mortgage payment. Paul Adams just got back from Disneyland with his family - and he's not sorry about what he spent. In this video, he breaks down the one upgrade that turned a chaotic, line-standing, schedule-juggling Disney trip into something his family will talk about for years. But this isn't just a Disney hack video. Because halfway
363 - Super Bowl Player Reveals the One Word Winners Live By
What does it take to beat the odds, reach the NFL, and successfully reinvent yourself when one chapter ends? In this episode of More Than Commas, Paul sits down with former NFL player Jordan Babineaux to discuss resilience, leadership, and navigating life's biggest transitions. Jordan shares his journey from a challenging childhood in Texas to a nine-year NFL career, and the lessons he learned ab
362 - MicroStrategy's STRC: Is That 11% Return Too Good to Be True?
Is MicroStrategy's new preferred stock STRC really the next big financial product — or just a shiny object designed to harvest your savings? In this episode of More Than Commas, Paul breaks down STRC, MicroStrategy's preferred stock promising 11% annual returns paid monthly — and why those numbers deserve a much closer look. Using a Coffeezilla analysis as a jumping-off point, Paul unpacks exact
361 - Why Smart Leaders Share Before They're Ready
What does it actually take to build a meaningful career inside some of the world's most demanding organizations? In this episode of More Than Commas, Paul sits down with Jesse Rhodes Jr. — executive leadership coach, entrepreneur, and former leader at Amazon, Deloitte, Walmart, and Target — to unpack the mindset, leadership principles, and career decisions that shaped his professional journey.
360 - From Financial Teacher to Doom Prophet: The Hidden Cost of Fear-Based Investing
Robert Kiyosaki helped change how millions of people think about money. But what happens when a voice that once educated and empowered starts leaning into fear-based predictions? In this episode of More Than Commas, Paul takes a closer look at Kiyosaki's evolution—from the impact of Rich Dad, Poor Dad to his repeated market crash warnings—and breaks down what he predicted vs. what actually happe
359 - Financial Guru Predictions Gone Wrong and CyberTruck Sinks
Why do financial influencers keep predicting the next big market crash—and why do people keep listening? In this episode of More Than Commas, we break down the real incentive behind repeated crash predictions, how attention drives extreme forecasts, and why being "right once" can be more profitable than being consistently accurate. Then, in a completely unexpected turn, we follow through on a wild
358 - Why Fear Goes Viral in Investing
Many investors worry about the next stock market crash because financial media constantly predicts one. In this episode of More Than Commas, Paul Adams explains why crash predictions are so common, why most of them never happen, and the real reason investors often underperform the market. More importantly, he breaks down how disciplined, evidence-based investing helps investors stay focused on
357 - Oil, War Fears & Market Swings: What Happens Next?
In this episode, Cory addresses recent market volatility and encourages investors to stay calm and disciplined. Recorded amid geopolitical uncertainty in the Middle East and fluctuating oil prices, Cory walks through historical market data, including recovery rates after downturns and the cost of missing the market's best days, to reassure listeners that short-term volatility is normal. His core
356 - Why Your Brain Struggles With Time (And How Visual Timers Fix It)
What if the reason you struggle with time management isn't a lack of discipline, but biology? In this episode, Paul sits down with Dr. Cody Sandzimier, founder and owner of Redmond Spine Center and creator of the Loop Timer, to explore the surprising science behind how humans perceive time. The conversation dives into neuroscience, psychology, productivity, and practical strategies you can use imm
355 - How the QBI Deduction Works & Smart Tax Strategies for Business Owners
In this episode of More Than Commas, SFG President Cory Shepherd sits down with CEO of Trail CPA, Trent Trailov, to break down the Qualified Business Income (QBI) deduction and how business owners can strategically use it to reduce taxes. If you earn non-W2 income, own a business, or operate as a consultant, financial professional, or service-based business owner, this conversation walks through w
353 - How to Future-Proof Your Wealth: Essential Estate Planning for Every Life Stage
In this episode, Paul sits down with estate planning attorney Derek Wayne Jensen to demystify what estate planning really involves and why it's far more than drafting a simple will. Derek explains how planning evolves over a lifetime, beginning with young adults choosing beneficiaries, through major life milestones, to complex multi-generational legacy planning. They explore the biggest misconcept
354 - Influence, Persuasion, and Reality with Scott Adams (Re-release)
Scott Adams Excerpt: I Will Rewire Your Brains to Relieve Anxiety https://youtu.be/nWhKDqwgyv8?si=vhTXfZzLTLKLwbFa We're excited to share a special throwback edition of this episode, released as a little Christmas gift to you. To set the stage, Paul explains why this conversation still matters and why we felt it was worth revisiting. This episode originally sparked a lot of thoughtful discussion
352- The AI Money Loop Explained: Are Investors Missing the Risk?
In this episode of More Than Commas, Cory breaks down one of the biggest questions in investing today: Is AI in a bubble? Using clarity, and a Three Stooges analogy, Cory explores how companies like OpenAI, Nvidia, Oracle, and others have created a tightly interwoven financial ecosystem, one that looks innovative, but also suspiciously like a closed loop of money, growth assumptions, and circular
351 - What Will Your Life Look Like in 2026?
In this episode, Paul challenges the traditional approach to planning for the new year, urging listeners to stop setting goals and start setting aims. He explains that most people design their lives backward, focusing on career first and hoping life fits around it. Instead, Paul walks through a practical reframe: define the life you want, then determine the financial aims required to support that
350 - Financial Advisors React: What This $5 Million Roth Story Gets Wrong About Retirement Planning
In this episode of More Than Commas, Paul is joined by the SFG team for a lively roundtable on a Wall Street Journal article about an 80-year-old couple debating a multi-million dollar Roth conversion. The team dives deep into what the article doesn't say, from tax realities to financial leadership within marriages. Paul highlights the importance of both spouses understanding their family finances
349 - Financial Advisors React to ChatGPT's Retirement Plan!
In this episode of More Than Commas, the Sound Financial Group team dive into a headline-grabbing article: "I Asked ChatGPT to Plan My Retirement." The panel unpacks what happens when artificial intelligence is trusted with life-changing financial planning. They discuss missing details like inflation, taxes, and real expenses, and why AI can't yet replace human discernment or accountability. The t
348 - Why Financial Samurai Says He's No Longer Financially Independent
In this episode, Lance and Paul unpack the viral post from Financial Samurai founder Sam Dogen, who recently admitted he's no longer financially independent after more than a decade in early retirement. Lance and Paul explore what this moment reveals about the FIRE movement, its strengths, blind spots, and the danger of mistaking "passive" for "permanent" income. They discuss the tension between i
347 - Why Start Financial Planning Early
In this episode, Elijah explores why beginning your financial planning journey early can transform not just your bank balance, but your entire life. He breaks down the compounding power of time, showing how consistent habits, even with modest amounts, lead to lasting financial freedom and flexibility. Drawing on real-life stories, Elijah explains how starting early creates margin, reduces stress,
346 - The Truth About 529 Plans | Smarter Ways to Fund College and Your Child's Future
In this episode, Cory unpacks the truth behind 529 college savings plans, their benefits, drawbacks, and what families should consider before committing their money. While 529s promise tax-free growth for education, Cory explains how they can also limit flexibility, impact financial aid, and tie up funds that could serve broader family goals. Using real-world comparisons, he explores alternative s
346 - The Truth About 529 Plans | Full Spreadsheet Demo
In this special "Behind the Numbers" edition, Cory takes you deeper into the 529 plan conversation with a full spreadsheet walkthrough. He breaks down every scenario from Part 1: Comparing 529 plans, brokerage accounts, student loan strategies, and new Roth IRA conversion rules, using real S&P return data and clear assumptions. Cory demonstrates how small differences in tax treatment, timing, or r
345 - Is This the Most Powerful Speech About Money Ever?
In this episode of More Than Commas, Paul Adams challenges listeners to consider whether their wealth is a tool or a trophy. Drawing on Dr. Thomas Stanley's The Millionaire Next Door and Stop Acting Rich, Paul explains how wealth flaunted for status can trap us in comparison, distraction, and fragility, while wealth used as a tool creates freedom, impact, and legacy. He highlights the virtue of fr
344 - The Hidden Cost of Chasing More
In Episode 344 of More Than Commas, Paul uncovers the hidden cost of chasing "more." From bigger homes and cars to the pursuit of higher income, we often find ourselves on a treadmill, running faster without feeling more fulfilled. Drawing on The Millionaire Next Door by Dr. Thomas Stanley, Paul explains how lifestyle creep can erode wealth across generations. He introduces the concept of the hedo
343 - Financial Advisors Explained: Beyond Investments to Real Peace of Mind
In this episode of More Than Commas, Cory explores one of the most overlooked roles of a financial advisor: protecting clients from their own instincts. It's not just about picking investments or predicting the market, it's about acting as a guardrail when fear and desire tempt us into costly mistakes. Cory illustrates how emotions drive poor financial decisions, from panic-selling during downturn
342 - Dave Ramsey vs Real Financial Advice
In this episode, Paul is joined by SFG's new advisor Lance Chisum for a candid review of a Dave Ramsey video on housing and post-divorce financial decisions. Together, they unpack the caller's circumstances, substantial home equity, low-rate mortgage, and the possibility of a HELOC, while questioning whether Ramsey's quick advice fully addresses the bigger financial picture. Paul and Lance highlig
341 - Why most people don't save for retirement
Bonita Bell-Anderson (Ask Good Questions Podcast) and Paul Adams (More Than Commas) unpack why Americans under-save, how culture rewards consumption, and why retirement is a narrative, more than math. Paul shares reset moves: save ~20% of gross income, cultivate contentment, set a written strategy, and "don't break strategy." They explore evidence-based investing with Dimensional Fund Advisors, gu
340 - Can You Really Protect Your Property Investments?
In this episode, Paul discusses how to arrange your investments to protect your real estate portfolio. Too many investors fall into survivorship bias, seeing only the winners in real estate while ignoring those who took on too much debt and lost big. Paul explains why real estate returns often appear stronger than stocks or bonds, the risks of overreliance on gurus, and how to better integrate fin
339 - Living the Dream in Hawaii
In this episode, Paul explores the real cost and true value of retiring in paradise. We begin by examining a widely cited article claiming retirees need $2.2 million to live comfortably in Hawaii, and uncover how media "information laundering" can make financial advice seem more official than it is. Then, Paul sits down with Aaron Goddard, CEO of Allstate Health Benefits, who moved his family to H
338 - Should I Sell My Rental?
In this episode, Cory asks a powerful question every real estate investor should consider: Should I sell my rental? It's easy to assume that if a property is cash-flowing, it's worth keeping. But when you dig deeper, the numbers often tell a different story. Cory breaks down the difference between Return on Investment (ROI) and Return on Equity (ROE), and why ROE becomes more important as your pro
337 - The One Big Beautiful Bill Explained
In this episode of More Than Commas, Cory breaks down the sweeping new legislation shaking up the personal finance world: the One Big Beautiful Bill (OBBB), signed into law on July 4th, 2025. From Trump Accounts for newborns to a $40K SALT deduction cap, the OBBB changes how Americans save, spend, and plan. Whether you're a parent, student, retiree, or working professional, this bill could signifi
336 - Money Reveals Who You Are, So What Is Yours Saying?
In the last installment of our d'Anconia series, Paul dives into the deeper meaning behind Francisco d'Anconia's "money speech" and what it reveals about your financial life. This isn't just about income, it's about what you're doing with it. Are you saving what you earn? Protecting it? Preparing to pass it on with wisdom? If not, you may be unintentionally building a legacy you never intended. Pa
335 - Is Money Evil or Moral? You've Never Heard Money Described Like This
In this powerful second installment of our d'Anconia Series, Paul reads Francisco d'Anconia's legendary "money speech" from Atlas Shrugged, completely unabridged. More than a literary moment, this episode invites deep reflection on what money truly is: a symbol of virtue, value, and voluntary exchange. Whether you agree or disagree with every word, listen closely for the timeless insights on produ
334 - Is This the Most Powerful Speech About Money Ever?
In this episode, Paul introduces a speech from Ayn Rand's Atlas Shrugged, exploring the philosophy behind it. He encourages critical thinking about the speech's meaning, regardless of whether you've read the novel or not. Tune in to Part 1 of this 3-part series and expand your mindset and dive into literature. -- This Material is Intended for General Public Use. By providing this material, we are
333 - Why a Bigger Paycheck Isn't Making You Happier
In this episode, Paul challenges the common belief that more money automatically equals a better life, diving into the deeper aspects of personal finance. He explores how money matters can be amplified, not solved, by a simple raise, and encourages viewers to seek true financial wellness. Discover why mindfulness in spending and saving is crucial for lasting financial freedom and overall self imp
332 - What Your Habits Say About You
What if your bank statement said more about you than your words ever could? In this episode, Cory explores how your financial habits reveal your true values, hidden beliefs, and emotional patterns. Discover how money can act as a mirror, reflecting your priorities, anxieties, and future direction, and learn how to align your financial life with who you really are. Perfect for those seeking more th
331 - 7 Truths Every Business Owner Wishes They Knew Sooner
In this episode, Paul discusses what every entrepreneur should know before considering a business exit. He covers critical aspects of business sales exit strategies, particularly when to sell your business. Whether you're fielding offers now or planning for a liquidity event in the future, this episode is crucial. — This Material is Intended for General Public Use. By providing this material, we a
330 - Why Rest Builds Real Wealth
In this episode, Cory discusses how incorporating strategic rest into your routine can boost productivity and overall wellness tips. He argues that mindfulness and intentional breaks are integral to building a fulfilling life and meaningful wealth. Listen to discover how to achieve more by doing less. — This Material is Intended for General Public Use. By providing this material, we are not undert
329 - Evidence-Based Investing with Dimensional Fund Advisors
In this episode of More Than Commas, Elijah explains the philosophy behind evidence based investing and how it is foundational to Sound Financial Group. He highlights Dimensional Fund Advisors and discusses why their approach to investing matters. Learn how evidence based investment can help build confidence in your financial strategy. — This Material is Intended for General Public Use. By providi
328 - What Financial Advisors Do That Apps Never Will
In this episode of More Than Commas, Paul discusses the evolving role of a financial planner in an age dominated by robo advisors and artificial intelligence. He questions whether technology renders financial planning obsolete or makes it even more essential. The episode explores how the role of the financial advisor is changing. — This Material is Intended for General Public Use. By providing
327 - Can You Really Retire Before 40?
In this episode of More Than Commas, Cory breaks down the FIRE (Financial Independence, Retire Early) movement—its philosophy, its pitfalls, and its powerful potential to reshape your relationship with money. Learn how FIRE isn't just about quitting your job early, but about reclaiming your time, aligning your finances with your values, and designing a life you don't want to retire from. We explo
326 - Why Do We Make Bad Money Choices?
Why do we keep making the same financial mistakes—even when we know better? In this episode of More Than Commas, Elijah uncovers the hidden forces driving your money decisions through the lens of behavioral finance. Learn how cognitive biases like loss aversion, anchoring, and confirmation bias sabotage even the smartest investors and discover how structured systems and a great advisor can help yo
325 - Will AI Replace Your Financial Advisor?
In Episode 325 of More Than Commas, Paul explores how artificial intelligence is transforming the landscape of financial planning, and what that means for your financial future. Discover the real strengths and limitations of AI in personal finance, why technology can't replace human wisdom, and how the right blend of AI tools and expert advice can lead to better long-term outcomes. Learn how to us
324 - Christian Finance Myths: Is Debt a Sin or Just Bad Stewardship?
In this episode of More Than Commas, we dive deep into the Scriptures to explore what the Bible actually teaches about debt. From Proverbs to Paul, we examine the verses often quoted by Christian financial voices like Dave Ramsey—and contrast them with a broader biblical framework of stewardship, responsibility, and generosity. Is borrowing a sin? Or is the real issue the intent and ability to rep
323 - Why Going All-In on the S&P 500 Might Be a Big Mistake
In this episode of More Than Commas, Cory Sheppard breaks down the risks of going all-in on the S&P 500, especially after its recent high-performing years. He explores how the index has become increasingly tech-heavy and dependent on the "Magnificent Seven," making it more volatile than it seems. By examining historical data from different time periods—including the 2000s "lost decade" and early 2
322 - 72-Hour Preparedness: Simple Steps for Real Emergencies
In this episode, Paul steps out to the shop to talk emergency preparedness — not for the zombie apocalypse, but for real-life power outages and unexpected events. He covers the essential items every household should have on hand to stay safe, warm, and fed for at least 72 hours. From practical water storage solutions to backpacking gear that doubles as emergency supplies, Paul walks through a smar
321 - Should you Die with Zero?
In Episode 321 of More Than Commas, Paul Adams unpacks the core ideas of Bill Perkins' book Die With Zero, which challenges the conventional wisdom of hoarding wealth for retirement. Instead, Perkins urges us to align our money, time, and energy with meaningful experiences during the prime years of our lives. Paul explores concepts like the "Fulfillment Curve," "Memory Dividends," and "Time Buck
320 - Retirement Isn't Short-Term: Why Your Money Needs to Last Decades
In this episode of More Than Commas, Paul and Cory dive deep into what it really takes to build sustainable, guaranteed income for life. They challenge the traditional advice to go "more conservative" in retirement, exposing why longevity risk—not market volatility—is the greatest threat to your financial future. Using a real-world $10 million retirement example, they walk through how combining li
319 - From Great Depression to Today: What Market Trends Don't Tell You
In this episode of More Than Commas, Paul and Cory dive into a popular article's alarming claims about bonds, dissecting the idea of a 36-year bond bear market and the so-called "crushing" losses investors faced. Using powerful tools from Dimensional Fund Advisors like the Matrix Book and ReturnsWeb, they fact-check historical data from 1945 to 1981 and the Great Depression to reveal what really h
318 - White Coat Investor Disagrees with Ernst & Young (Part 4)
In this final installment of our four-part deep dive, we conclude our review of White Coat Investor's critique of the Ernst & Young whitepaper on insurance products. If you've stuck with us from Episode 315 through now, you know this has been a winding journey through annuities, whole life policies, investment assumptions—and plenty of eyebrow-raising takes. Today, we wrap it all up with our closi
317 – White Coat Investor Disagrees with Ernst & Young (Part 3)
In Part 3 of our deep dive into White Coat Investor Disagrees with Ernst & Young, we tackle some of the strangest assumptions in the analysis. We break down how whole life policies are managed (or mismanaged), questionable projections of policy performance, and bizarre reinvestment strategies for annuity proceeds. Plus, we explore the odd decision to replace fixed-income investments solely with in
316 - White Coat Investor Disagrees with Ernst & Young (Part 2)
In Episode 316 of More Than Commas, we continue our deep dive into White Coat Investor's critique of the Ernst & Young Insurance Study. This time, we break down seven more questionable assumptions, from high advisory fees to mysterious "black box" insurance products. Are these valid criticisms, or is there more to the story? Tune in as we separate sound financial analysis from misleading narrative
315 - White Coat Investor Disagrees with Ernst & Young (Part 1)
In Episode 315 of More Than Commas, we take a deep dive into White Coat Investor's critique of the Ernst & Young Insurance Products in Retirement Study. While WCI raises some valid concerns, we challenge whether their approach to financial products is always as objective as they claim. Are whole life insurance and annuities really as bad as they suggest? Or is there room for nuance? Tune in as we
314 - Ernst & Young's Guide to Life Insurance & Annuities
In this episode of More than Commas, we take a deep dive into Ernst & Young's latest white paper on integrating life insurance and annuities into a financial plan. With a projected $240 trillion retirement savings gap by 2030, EY's research highlights how strategies beyond traditional investments—such as permanent life insurance and deferred income annuities—can enhance income stability and legacy
313 - Why We Ignore a Powerful Retirement Tool
In this episode of More Than Commas, we tackle the Annuity Puzzle—why retirees often ignore one of the most recommended financial tools: lifetime income annuities. Cory discusses expert insights from economists like Moshe Milevsky, William Sharpe, and Olivia Mitchell, uncovering the behavioral biases, marketing flaws, and misconceptions that keep people from embracing annuities. We explore their b
312 - Why Active Management Doesn't Work
Active asset managers promise market-beating returns, but the data tells a different story. In this episode of More than Commas, Cory explores why 90% of actively managed funds underperform over time and how patience, simplicity, and low-cost investing outperform stock-picking strategies. Through stories of legendary investors like Warren Buffett and everyday savers like Ronald Read, we uncover th
311 - Disciplined Investing
In episode 311, Paul explains that disciplined investing is the key to long-term financial success. He warns against comparing your diversified portfolio to hot asset classes, emphasizing that diversification and systematic rebalancing—selling high and buying low—are essential for managing market volatility and avoiding impulsive decisions. Paul debunks the myth of perfect market timing and stress
310 - Savings Rate or Investment Rate
Struggling to build wealth? In this episode of More Than Commas, Elijah Fowler breaks down the common trap of chasing high investment returns and reveals a more reliable path to financial success—boosting your savings rate. Using a real-world example, he demonstrates how a simple shift in mindset can grow your portfolio by hundreds of thousands without the stress of market timing. Tune in to learn
309 – Buying Real Estate with Your IRA
In this episode of More than Commas, Host Cory Shepherd discusses the challenges of owning real estate in a self-directed IRA. While it may seem like a smart way to diversify retirement investments, several factors complicate this strategy. Key points include the loss of tax benefits, as traditional deductions do not apply; prohibited transactions that restrict personal use and management; and fin
308 - Starting a Business with your 401k
In episode 308 of the More Than Commas, Host Paul Adams is joined by Jeremy Ames to explore the Rollovers for Business Start-ups (ROBS) strategy, a unique funding option that allows entrepreneurs to use their retirement savings to launch or acquire a business without incurring penalties. Jeremy outlines the ROBS process, emphasizing the importance of forming a C-corporation and setting up a new 40
307 - Assuming a 3% mortgage
In episode 307 of More than Commas, Cory Shepherd and Todd Schwartz explore the strategy of assuming a seller's low-interest mortgage in today's high-rate real estate market. He explains how this approach allows buyers to take over existing loans, potentially saving thousands by accessing lower interest rates. Todd highlights key points such as the types of assumable loans (FHA, VA, USDA), the ass
306 - Simple vs Compound Interest
In episode 306 of More than Commas, Host Cory Shepherd explores the crucial differences between simple interest and compound interest. Listeners will learn how simple interest is calculated solely on the principal amount, while compound interest builds on both the principal and accumulated interest. Through relatable examples, Paul illustrates the financial impact of each type, emphasizing how com
Bonus Episode - Mortgage Payoff
In this episode, Paul dives into the mortgage payoff, exploring the financial realities. Is paying off your mortgage early always the smartest move? Paul examines financial trade-offs, opportunity costs, and strategies to help you make informed decisions about your financial goals. This episode offers a fresh perspective on financial freedom. Check out these mortgage-related episodes from the chan
305 - How much does it take to Retire the 4% rule
In episode 305 of More than Commas, Host Elijah Fowler explores the crucial question of retirement funding through the lens of the 4% Rule. This popular guideline suggests retirees can withdraw 4% of their savings annually without depleting their funds over 30 years. Elijah discusses key factors influencing this rule, including market fluctuations, inflation, and personal expenses, emphasizing tha
304 - The difference between 401(k)s and IRAs
In this episode of More than Commas, we explore the essential differences between 401(k)s and IRAs—two vital tools for retirement savings. Join Host Cory Shepherd as we break down their unique features, including employer sponsorship, contribution limits, investment choices, tax advantages, and withdrawal rules. Discover which option might be best for your financial situation and learn how to maxi
303 - Traditional vs ROTH 401k
In Episode 303 of More than Commas, Elijah Fowler talks about the differences between traditional 401(k) and Roth 401(k) retirement plans. He explains that traditional 401(k) contributions are made with pre-tax dollars, providing immediate tax benefits, while Roth 401(k) contributions are made with after-tax dollars, allowing for tax-free withdrawals in retirement. The episode also covers employer
302 - Backdoor ROTH
In episode 302 of More Than Commas, Host Paul Adams discusses the Backdoor Roth IRA, a strategy designed for high-income earners who exceed the income limits for direct contributions to a Roth IRA. Listeners will learn how to navigate these limits and create a more tax-efficient retirement strategy. --- This Material is Intended for General Public Use. By providing this material, we are not un
301 - Roth IRA vs. Traditional IRA
In this episode of More than Commas, host Paul Adams unpacks the crucial differences between Roth IRAs and Traditional IRAs, two popular retirement accounts. Discover how taxes, contribution limits, and withdrawal rules impact your financial future. Paul explains the tax benefits of each account, eligibility requirements, and the implications of Required Minimum Distributions (RMDs). Whether you'r
300 - Introducing More Than Commas
In this episode of More than Commas, host Paul Adams unveils the exciting rebranding of the podcast, formerly known as Sound Financial Group Podcast. With the new tagline "Your wealth is more than commas," Paul explains the motivation behind this change, emphasizing that true wealth encompasses more than just financial figures. Listeners can expect a broader conversation about living a fulfilling
299 - Dave Ramsey can bankrupt you with this advice
For full show notes visit: PODCAST EPISODE 299 - Dave Ramsey can bankrupt you with this advice - Sound Financial Group (sfgway.com) Subscribe and click the bell on Youtube and Facebook to become notified when Paul and Cory post their next episode. This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific indi
298 - Maximizing Your Retirement Income with Whole Life Insurance
For full show notes visit: PODCAST EPISODE 298 - Maximizing Your Retirement Income with Whole Life Insurance - Sound Financial Group (sfgway.com) Subscribe and click the bell on Youtube and Facebook to become notified when Paul and Cory post their next episode. This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any
297 - How Much Life Insurance Should You Own?
For full show notes visit: PODCAST EPISODE 297 - How Much Life Insurance Should You Own? - Sound Financial Group (sfgway.com) Subscribe and click the bell on Youtube and Facebook to become notified when Paul and Cory post their next episode. This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual
296 - Should I Buy Life Insurance for My Kids?
For full show notes visit: PODCAST EPISODE 296 - Should I Buy Life Insurance for My Kids? - Sound Financial Group (sfgway.com) Subscribe and click the bell on Youtube and Facebook to become notified when Paul and Cory post their next episode. This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individua
295 - The Three Stooges, Jimmy Carr, Whale Oil, and Playgirl...
For full show notes visit: PODCAST EPISODE 295 - The Three Stooges, Jimmy Carr, Whale Oil, and Playgirl... - Sound Financial Group (sfgway.com) Subscribe and click the bell on Youtube and Facebook to become notified when Paul and Cory post their next episode. This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any s
294 - Dave Ramsey Doesn't Understand Life Insurance (Part 2)
For full show notes visit: PODCAST EPISODE 294 - Dave Ramsey Doesn't Understand Life Insurance (Part 2) - Sound Financial Group (sfgway.com) Subscribe and click the bell on Youtube and Facebook to become notified when Paul and Cory post their next episode. This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any spec
293 - Dave Ramsey Doesn't Understand Life Insurance (Part 1)
For full show notes visit: PODCAST EPISODE 293 - Dave Ramsey Doesn't Understand Life Insurance - Sound Financial Group (sfgway.com) Subscribe and click the bell on Youtube and Facebook to become notified when Paul and Cory post their next episode. This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific indi
292 - How Much Insurance Should You Have? Auto, Home, Umbrella, Disability & Life
For full show notes visit: PODCAST EPISODE 292 - How Much Insurance Should You Have? Auto, Home, Umbrella, Disability & Life - Sound Financial Group (sfgway.com) Subscribe and click the bell on Youtube and Facebook to become notified when Paul and Cory post their next episode. This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investmen
291 - Avoiding Investment Scams
For full show notes visit: PODCAST EPISODE 291 - Avoiding Investment Scams - Sound Financial Group (sfgway.com) Subscribe and click the bell on Youtube and Facebook to become notified when Paul and Cory post their next episode. This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation
290 - How much do you need to retire?
For full show notes visit: PODCAST EPISODE 290 - How much do you need to retire? - Sound Financial Group (sfgway.com) Subscribe and click the bell on Youtube and Facebook to become notified when Paul and Cory post their next episode. This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situa
289 - UPDATE: Jim Cramer's 2023 Predictions
For full show notes visit: PODCAST EPISODE 289 - UPDATE: Jim Cramer's 2023 Predictions - Sound Financial Group (sfgway.com) Subscribe and click the bell on Youtube and Facebook to become notified when Paul and Cory post their next episode. This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual o
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