Hosted by Unknown Host · EN · 5 episodes
Established thought leaders with verified media credentials.
Lucas and Luna sit down for a calm, data-driven conversation about retirement planning — specifically the nuts and bolts of 401(k)s, IRAs, and how to build a savings strategy that actually works for your timeline. They start by walking through the mechanics of a traditional 401(k): how contribution limits work, what employer match really means, and why the difference between pre-tax and Roth contributions matters more than most investors realize. Luna pushes Lucas on common pitfalls — like how many people treat their 401(k) as a savings account rather than a long-term growth vehicle, and why cashing out early is almost always a mistake. They then compare the three main IRA types — Traditional, Roth, and SEP — and unpack the income limits, tax implications, and withdrawal rules that can trip up even disciplined savers. Along the way, they reference real-world examples: a hypothetical 35-year-old earning $80,000 and deciding between Roth and Traditional, a self-employed freelancer weighing a SEP IRA versus a Solo 401(k), and a couple approaching retirement who need to rebalance their asset allocation. Lucas and Luna don't just list options — they question assumptions. Should you prioritize your 401(k) match before opening an IRA? Is a backdoor Roth worth the paperwork? And when does 'set it and forget it' stop being a strategy and start being neglect? Whether you're just starting your first job or recalibrating a decade into saving, this conversation will leave you with a clearer sense of which account types fit your specific situation — and what numbers you need to track to stay on course.
Unknown Host hosts Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future, a general show with 5 episodes published.
In this episode of Retirement Planning with Fexingo, Lucas and Luna dig into a little-known Social Security rule called the widow's penalty. They explain how a surviving spouse's combined benefit can be significantly red
Episode 32 of Retirement Planning with Fexingo breaks down the three-bucket withdrawal strategy—a systematic approach to sequencing your retirement income from taxable, tax-deferred, and tax-free accounts. Lucas and Luna
Most people assume tapping your 401k before 59½ triggers a 10% penalty. But there's a little-known exception called the Rule of 55 that lets you access funds penalty-free if you leave your job in the year you turn 55. In
Episode 30 of Retirement Planning with Fexingo dives into inflation indexing and how it quietly shapes your 401k and IRA growth. Lucas and Luna break down the 2026 cost-of-living adjustment for contribution limits, the r
In this episode, Lucas and Luna break down the Roth IRA conversion strategy for pre-retirees with large traditional 401k balances. They explain the tax implications, the ideal timing to minimize tax brackets, and how thi
Episode 28 of Retirement Planning with Fexingo uncovers a hidden tax rule that could cost you thousands: employer matching contributions to a Roth 401k are always pre-tax, meaning you'll owe taxes on that 'free money' in
Episode 27 of Retirement Planning with Fexingo explores the Health Savings Account as a powerful but overlooked retirement savings vehicle. Lucas and Luna walk through the triple tax advantage — deductible contributions,
Episode 26 of Retirement Planning with Fexingo. Lucas and Luna dissect the Social Security earnings test — the rule that reduces benefits if you claim before full retirement age and still work. They walk through a concre
In this episode of Retirement Planning with Fexingo, Lucas and Luna break down the Roth conversion ladder — a strategy that lets early retirees access their 401k funds before age 59 1/2 without paying the 10 percent earl
Episode 24 of Retirement Planning with Fexingo dives into the often-overlooked tax bomb that inherited retirement accounts can trigger for your beneficiaries. Lucas and Luna break down the SECURE Act’s 10-year rule, the
In this episode of Retirement Planning with Fexingo, Lucas and Luna explore a little-known tax strategy for mitigating sequence-of-returns risk in early retirement. Using a hypothetical retiree with a $1.2 million portfo
Lucas and Luna explore the most overlooked document in retirement planning: the 401k beneficiary form. Using the cautionary tale of a 2019 California case where a $600,000 retirement account went to an ex-spouse because
In this episode, Lucas and Luna explore a powerful but underused retirement strategy: tax bracket arbitrage. Instead of simply deferring taxes with a traditional 401k or paying them upfront with a Roth, this approach inv
Episode 20 of Retirement Planning with Fexingo dives into the mega backdoor Roth strategy—a powerful but lesser-known technique that allows high earners to save tens of thousands of extra dollars in a Roth account each y
Episode 19 of Retirement Planning with Fexingo breaks down the Backdoor Roth IRA — a strategy high earners use to bypass the Roth IRA income phaseout. Lucas and Luna walk through the mechanics, the IRS 'step transaction'
Episode 18 of Retirement Planning with Fexingo dives into a little-known RMD strategy: the first-year deferral rule. Lucas and Luna explain how retirees who turn 73 in 2026 can delay their first required minimum distribu
In Episode 17 of Retirement Planning with Fexingo, Lucas and Luna uncover the spousal IRA — a little-known provision that allows a non-working spouse to contribute to their own IRA based on the working spouse's income. U
Episode 16 of Retirement Planning with Fexingo reveals a hidden tax on retirement income that catches millions of retirees by surprise: the Income-Related Monthly Adjustment Amount, or IRMAA. Lucas and Luna break down ex
Episode 15 examines the 'tax torpedo' — the hidden tax spike that hits retirees with modest 401k and IRA withdrawals when combined with Social Security benefits. Using a concrete example of a couple with $60,000 in annua
Episode 14 of Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future dives into the Roth IRA income phaseout — the little-known rule that silently blocks high earners from contributing directly. Lucas an
Sponsor detection runs nightly. Check back soon.
No public pitch examples yet for this show.
Generate your own personalised pitchShows with the most semantically similar episode content. Pitch one, pitch all; producers cluster.
Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future has a verified contact on file. Create a free PitchCentric account to access it and generate a personalised pitch in seconds. Research at least 3 recent episodes first and lead with a specific angle that serves their general audience.
Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future is hosted by Unknown Host. The show is categorised under General and has published 5 episodes.
Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future has published 5 episodes.
Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future is accessible for guests with genuine general expertise. A personalised, episode-aware pitch will still outperform a generic one every time.
Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future hasn't explicitly signalled guest openness in recent episodes. That doesn't rule out pitching. your hook just needs to be especially compelling and relevant to their recent content.
Episodes of Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future average 10 minutes. a focused format where a clear narrative arc and tight preparation matter most.
Our data rates Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future's guest bar at 80/100 (Premium tier). Established thought leaders with verified media credentials. Sign in to PitchCentric to see how your own Pod Score compares against this show.
Methodology. Booking Probability™ blends Listen Score, 30-day Virality, open-to-guests detection, and Apple ratings. Data refreshed every 60 minutes. Listen Score and Booking Probability are calculated by PitchCentric. Last enriched 10 days ago.
