With a Roth account, you would not receive a tax deduction on your contribution. But you will also not have to pay tax on qualified distributions. 

With today's low stock values, Jeff Dvorachek, a tax partner, explains how contributing to or converting existing funds to a Roth account may be advantageous. 

Hawkins Ash CPAs is a full-service public accounting firm providing individuals, businesses and organizations the services they need to save taxes, preserve wealth and maintain compliance. We have offices in Wisconsin and Minnesota.

Listen to more of the Tax Insights Podcast at hawkinsashcpas.com/cpa-hq/podcast/.

How Do I Get More Into Roth Accounts

You’re listening to the Hurdy Gurdy Travel Podcast. I’m your host, Justin Vacula, here to help you travel the world at next to no cost with credit card points, miles, benefits, and rewards. Make money, save money, and take advantage of great deals!

I respond to a Ramsey Show clip 'Do Credit Cards REALLY Offer Better "Protection" Than Debit Cards?'

–  


Thanks for listening, and stay tuned for future episodes.

Visit HurdyGurdyTravel.com to contact me, find me on social media, read episode transcripts, and schedule a free consultation. Support the show through SubscribeStar, referral links, and buying from my eBay store! Find this show on many podcast platforms and YouTube, where you can find bonus videos.

Supporting me on SubscribeStar will give you special perks including a custom podcast episode, questions answered by upcoming guests, and monthly private one-on-one conversations delving into more advanced topics I don’t openly discuss at length in podcast episodes.

Visit meetup.com/phillymilesandpoints to learn about Greater Philadelphia Travel: Credit, Miles, and Points meetups I host in Willow Grove, Pennsylvania. I hope to see you in person at a future event! Find a link in the show notes.

Listen to my other podcast, the Stoic Solutions Podcast, found at StoicSolutionsPodcast.com. My podcast guests and I offer practical wisdom for everyday life inspired by the ancient tradition of Stoic Philosophy from Greece and Rome.

Thanks for listening. Have a great day!

—-

Main website, including episode transcripts: https://hurdygurdytravelpodcast.com

Referral links: https://hurdygurdytravel.com/donate-referral-links/

Join me for in-person meetups I host in Willow Grove, PA: https://www.meetup.com/phillymilesandpoints/

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Dave Ramsey Debunked: Credit Cards Vs Debit Cards

You’re listening to the Hurdy Gurdy Travel Podcast. I’m your host, Justin Vacula, here to help you travel the world at next to no cost with credit card points, miles, benefits, and rewards. Make money, save money, and take advantage of great deals! 

I respond to a Ramsey Show clip 'Why Can't I Use Credit Cards If I Pay Them Off Every Month'

Original video: https://youtu.be/hR8ul1CIKVo
–  


Thanks for listening, and stay tuned for future episodes.

Visit HurdyGurdyTravel.com to contact me, find me on social media, read episode transcripts, and schedule a free consultation. Support the show through SubscribeStar, referral links, and buying from my eBay store! Find this show on many podcast platforms and YouTube, where you can find bonus videos.

Supporting me on SubscribeStar will give you special perks including a custom podcast episode, questions answered by upcoming guests, and monthly private one-on-one conversations delving into more advanced topics I don’t openly discuss at length in podcast episodes.

Visit meetup.com/phillymilesandpoints to learn about Greater Philadelphia Travel: Credit, Miles, and Points meetups I host in Willow Grove, Pennsylvania. I hope to see you in person at a future event! Find a link in the show notes.

Listen to my other podcast, the Stoic Solutions Podcast, found at StoicSolutionsPodcast.com. My podcast guests and I offer practical wisdom for everyday life inspired by the ancient tradition of Stoic Philosophy from Greece and Rome.

Thanks for listening. Have a great day!

—-

Main website, including episode transcripts: https://hurdygurdytravelpodcast.com

Referral links: https://hurdygurdytravel.com/donate-referral-links/

Join me for in-person meetups I host in Willow Grove, PA: https://www.meetup.com/phillymilesandpoints/

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Google Play: https://www.play.google.com/music/listen?u=0#/ps/l5bmuntd4wpvtklvg42ejg42ejg4apiu

Facebook: https://www.facebook.com/HurdyGurdyTravelPodcast 

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Dave Ramsey Is Wrong About Credit Cards | Response

You’re listening to the Hurdy Gurdy Travel Podcast. I’m your host, Justin Vacula, here to help you travel the world at next to no cost with credit card points, miles, benefits, and rewards. Make money, save money, and take advantage of great deals! 

I respond to a Ramsey Show clip 'How to Improve Your Credit Score Without Debt'

https://www.youtube.com/watch?v=3k0ObI4OBbY
–  


Thanks for listening, and stay tuned for future episodes.

Visit HurdyGurdyTravel.com to contact me, find me on social media, read episode transcripts, and schedule a free consultation. Support the show through SubscribeStar, referral links, and buying from my eBay store! Find this show on many podcast platforms and YouTube, where you can find bonus videos.

Supporting me on SubscribeStar will give you special perks including a custom podcast episode, questions answered by upcoming guests, and monthly private one-on-one conversations delving into more advanced topics I don’t openly discuss at length in podcast episodes.

Visit meetup.com/phillymilesandpoints to learn about Greater Philadelphia Travel: Credit, Miles, and Points meetups I host in Willow Grove, Pennsylvania. I hope to see you in person at a future event! Find a link in the show notes.

Listen to my other podcast, the Stoic Solutions Podcast, found at StoicSolutionsPodcast.com. My podcast guests and I offer practical wisdom for everyday life inspired by the ancient tradition of Stoic Philosophy from Greece and Rome.

Thanks for listening. Have a great day!

—-

Main website, including episode transcripts: https://hurdygurdytravelpodcast.com

Referral links: https://hurdygurdytravel.com/donate-referral-links/

Join me for in-person meetups I host in Willow Grove, PA: https://www.meetup.com/phillymilesandpoints/

SubscribeStar: https://www.subscribestar.com/hurdy-gurdy-travel

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SoundCloud: https://soundcloud.com/hurdygurdytravelpodcast

iTunes: https://podcasts.apple.com/us/podcast/hurdy-gurdy-travel-podcast/id1489093490

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Stitcher: https://www.stitcher.com/podcast/hurdy-gurdy-travel-podcast

Google Play: https://www.play.google.com/music/listen?u=0#/ps/l5bmuntd4wpvtklvg42ejg42ejg4apiu

Facebook: https://www.facebook.com/HurdyGurdyTravelPodcast 

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Dave Ramsey Wrong On Credit Scores And Debt

You’re listening to the Hurdy Gurdy Travel Podcast. I’m your host, Justin Vacula, here to help you travel the world at next to no cost with credit card points, miles, benefits, and rewards. Make money, save money, and take advantage of great deals! 

Referenced in this episode:

Dave Ramsey sued for $150 million by former fans who followed his timeshare exit advice

https://religionnews.com/2023/06/01/dave-ramsey-sued-for-150-million-by-former-fans-who-followed-his-timeshare-exit-advice/

Dave Ramsey declares war on timeshare industry: ‘You done pissed off the wrong hillbilly’

https://religionnews.com/2021/05/27/dave-ramsey-declares-war-on-timeshare-exit-team-diamond-resorts-pissed-off-wrong-hillbilly/

I'M COMING AFTER YOU! You're So Scummy! - Dave Ramsey Rant (Now lol unlisted video, maybe will be deleted by Dave)

https://www.youtube.com/watch?v=o6VNi5hJpiU

Dave Ramsey tweet, "As long as you have what you need to survive physically, very few things are more important than getting out of debt as quickly as possible." LOL

https://twitter.com/DaveRamsey/status/1660731987982704644

Dave Ramsey tweet, "The only good debt is a debt that is paid off." LOL

https://twitter.com/DaveRamsey/status/1665028568944893953

Dave Ramsey tweet, "You are not "simple" or "emotional" if you believe in being debt-free." LOL

https://twitter.com/DaveRamsey/status/1664665931014873088

What we have been taught about "good debt" is what brings us to the pathetic financial state that this economy is in." LOL

https://twitter.com/DaveRamsey/status/1664665931014873088

My 'Dave Ramsey Debunked' playlist:

https://www.youtube.com/playlist?list=PL6yQHjlWn_4_oGuu-oqhXToGXFN_lUWDO

–  


Thanks for listening, and stay tuned for future episodes.

Visit HurdyGurdyTravel.com to contact me, find me on social media, read episode transcripts, and schedule a free consultation. Support the show through SubscribeStar, referral links, and buying from my eBay store! Find this show on many podcast platforms and YouTube, where you can find bonus videos.

Supporting me on SubscribeStar will give you special perks including a custom podcast episode, questions answered by upcoming guests, and monthly private one-on-one conversations delving into more advanced topics I don’t openly discuss at length in podcast episodes.

Visit meetup.com/phillymilesandpoints to learn about Greater Philadelphia Travel: Credit, Miles, and Points meetups I host in Willow Grove, Pennsylvania. I hope to see you in person at a future event! Find a link in the show notes.

Listen to my other podcast, the Stoic Solutions Podcast, found at StoicSolutionsPodcast.com. My podcast guests and I offer practical wisdom for everyday life inspired by the ancient tradition of Stoic Philosophy from Greece and Rome.

Thanks for listening. Have a great day!

—-

Main website, including episode transcripts: https://hurdygurdytravelpodcast.com

Referral links: https://hurdygurdytravel.com/donate-referral-links/

Join me for in-person meetups I host in Willow Grove, PA: https://www.meetup.com/phillymilesandpoints/

SubscribeStar: https://www.subscribestar.com/hurdy-gurdy-travel

eBay store: https://www.ebay.com/str/hurdygurdytravelllc

SoundCloud: https://soundcloud.com/hurdygurdytravelpodcast

iTunes: https://podcasts.apple.com/us/podcast/hurdy-gurdy-travel-podcast/id1489093490

YouTube: https://www.youtube.com/channel/UC8EcIcoNU1HK4KKhQtTkAWw

Stitcher: https://www.stitcher.com/podcast/hurdy-gurdy-travel-podcast

Google Play: https://www.play.google.com/music/listen?u=0#/ps/l5bmuntd4wpvtklvg42ejg42ejg4apiu

Facebook: https://www.facebook.com/HurdyGurdyTravelPodcast 

Twitter: https://twitter.com/HGTravelPodcast

Instagram: http://www.instagram.com/justinvacula

Copy and paste the podcast RSS feed -- http://feeds.soundcloud.com/users/soundcloud:users:706382626/sounds.rss -- to listen on your favorite podcast-playing platform!

Dave Ramsey Named In $150 Million Class Action Lawsuit!

You’re listening to the Hurdy Gurdy Travel Podcast. I’m your host, Justin Vacula, here to help you travel the world at next to no cost with credit card points, miles, benefits, and rewards. Make money, save money, and take advantage of great deals! 

Referenced in this episode:

Dave Ramsey Show clip: 'Why People Are Afraid to Let Go of Credit Cards' 

https://www.youtube.com/watch?v=VbYLgRrdE3A

My 'Dave Ramsey Debunked' playlist:

https://www.youtube.com/playlist?list=PL6yQHjlWn_4_oGuu-oqhXToGXFN_lUWDO

–  


Thanks for listening, and stay tuned for future episodes.

Visit HurdyGurdyTravel.com to contact me, find me on social media, read episode transcripts, and schedule a free consultation. Support the show through SubscribeStar, referral links, and buying from my eBay store! Find this show on many podcast platforms and YouTube, where you can find bonus videos.

Supporting me on SubscribeStar will give you special perks including a custom podcast episode, questions answered by upcoming guests, and monthly private one-on-one conversations delving into more advanced topics I don’t openly discuss at length in podcast episodes.

Visit meetup.com/phillymilesandpoints to learn about Greater Philadelphia Travel: Credit, Miles, and Points meetups I host in Willow Grove, Pennsylvania. I hope to see you in person at a future event! Find a link in the show notes.

Listen to my other podcast, the Stoic Solutions Podcast, found at StoicSolutionsPodcast.com. My podcast guests and I offer practical wisdom for everyday life inspired by the ancient tradition of Stoic Philosophy from Greece and Rome.

Thanks for listening. Have a great day!

—-

Main website, including episode transcripts: https://hurdygurdytravelpodcast.com

Referral links: https://hurdygurdytravel.com/donate-referral-links/

Join me for in-person meetups I host in Willow Grove, PA: https://www.meetup.com/phillymilesandpoints/

SubscribeStar: https://www.subscribestar.com/hurdy-gurdy-travel

eBay store: https://www.ebay.com/str/hurdygurdytravelllc

SoundCloud: https://soundcloud.com/hurdygurdytravelpodcast

iTunes: https://podcasts.apple.com/us/podcast/hurdy-gurdy-travel-podcast/id1489093490

YouTube: https://www.youtube.com/channel/UC8EcIcoNU1HK4KKhQtTkAWw

Stitcher: https://www.stitcher.com/podcast/hurdy-gurdy-travel-podcast

Google Play: https://www.play.google.com/music/listen?u=0#/ps/l5bmuntd4wpvtklvg42ejg42ejg4apiu

Facebook: https://www.facebook.com/HurdyGurdyTravelPodcast 

Twitter: https://twitter.com/HGTravelPodcast

Instagram: http://www.instagram.com/justinvacula

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Dave Ramsey Show Why People Are Afraid To Let Go Of Credit Cards | Response

How depending on rates of return can leave a widow financially impoverished

Podcast#9 07 08 2023 Widow's Rate Of Return

You’re listening to the Hurdy Gurdy Travel Podcast. I’m your host, Justin Vacula, here to help you travel the world at next to no cost with credit card points, miles, benefits, and rewards. Make money, save money, and take advantage of great deals! 

I respond to a Dave Ramsey clip titled, 'How Do I Discuss Wealth With Pro-Debt People' debunking misconceptions Dave Ramsey spreads about credit cards & miles and points.

Original clip:
https://www.youtube.com/watch?v=kgj77r_i_oc&pp=ygUecmFtc2V5IGRpc2N1c3Mgd2VhbHRoIHBybyBkZWJ0

--

Main website, including episode transcripts: https://hurdygurdytravelpodcast.com

Referral links: https://hurdygurdytravel.com/donate-referral-links/

Join me for in-person meetups I host in Willow Grove, PA: https://www.meetup.com/phillymilesandpoints/

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SoundCloud: https://soundcloud.com/hurdygurdytravelpodcast

iTunes: https://podcasts.apple.com/us/podcast/hurdy-gurdy-travel-podcast/id1489093490

YouTube: https://www.youtube.com/channel/UC8EcIcoNU1HK4KKhQtTkAWw

Stitcher: https://www.stitcher.com/podcast/hurdy-gurdy-travel-podcast

Google Play: https://www.play.google.com/music/listen?u=0#/ps/l5bmuntd4wpvtklvg42ejg42ejg4apiu

Facebook: https://www.facebook.com/HurdyGurdyTravelPodcast 

Twitter: https://twitter.com/HGTravelPodcast

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Dave Ramsey is Wrong About Credit Cards, Calls Us Pro-Debt LOL

You’re listening to the Hurdy Gurdy Travel Podcast. I’m your host, Justin Vacula, here to help you travel the world at next to no cost with credit card points, miles, benefits, and rewards. Make money, save money, and take advantage of great deals!

I respond to a Dave Ramsey show clip titled 'What Makes You Think You Are The Credit Card Exception?' arguing that Dave Ramsey doesn't understand the basics about points and miles.

Full Ramsey clip:
https://youtu.be/NBf2KiQ1bUI?si=__DAjBS9quzjdtMP

--

Main website, including episode transcripts: https://hurdygurdytravelpodcast.com

Referral links: https://hurdygurdytravel.com/donate-referral-links/

Join me for in-person meetups I host in Willow Grove, PA: https://www.meetup.com/phillymilesandpoints/

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iTunes: https://podcasts.apple.com/us/podcast/hurdy-gurdy-travel-podcast/id1489093490

YouTube: https://www.youtube.com/channel/UC8EcIcoNU1HK4KKhQtTkAWw

Stitcher: https://www.stitcher.com/podcast/hurdy-gurdy-travel-podcast

Google Play: https://www.play.google.com/music/listen?u=0#/ps/l5bmuntd4wpvtklvg42ejg42ejg4apiu

Facebook: https://www.facebook.com/HurdyGurdyTravelPodcast 

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Dave Ramsey is Wrong About Points And Miles

The Minimalists speak with author George Kamel about letting go of past financial mistakes, frugality vs. minimalism, and how much money The Minimalists have. Watch all 2 hours of episode 426 on The Minimalists Private Podcast: https://patreon.com/theminimalists

Discussed in this episode:

How can I let go of my past financial mistakes? (02:15)

What’s the relationship between frugality and minimalism? (15:25)

Are The Minimalists millionaires? (22:29)

How can I let go of my LEGO collection? (35:54)

Detailed show notes: minimalists.com/podcast

Join The Minimalists Private Podcast: minimalists.com/support

Podcast 426 | Breaking Free from Broke

The Minimalists talk about emotional clutter, the dangers of being a “helper,” and whether hoarding is a form of procrastination. Watch all 2 hours of episode 427 on The Minimalists Private Podcast: https://patreon.com/theminimalists

Discussed in this episode:

Did I accidentally steal a bicycle? (01:52)

Is hoarding just another form of procrastination? (15:59)

How can I teach my boyfriend to minimize? (25:09)

Where are The Minimalists touring in 2024? (32:22)

How can you maintain control of your space while moving an elderly parent or in-law into your home? (38:45)

Detailed show notes: minimalists.com/podcast

Join The Minimalists Private Podcast: minimalists.com/support

Podcast 427 | Declutter Your Emotions

Articles discussed in this episode:

Stone County residents go days without water during winter storm https://arktimes.com/news/2024/01/18/stone-county-residents-go-days-without-water-during-winter-storm?fbclid=IwAR1y_bEX7jjCfcorWcDwXftheXcfweFOCoTC0E9jh3kFyJ2zbcujbavdY1k
How does Arkansas LEARNS impact teachers? We have answers. https://arktimes.com/arkansas-blog/2024/01/04/how-does-arkansas-learns-impact-teachers-we-have-answers-part-1

https://arktimes.com/arkansas-blog/2024/01/08/how-does-arkansas-learns-impact-teachers-we-have-answers-part-2

Endorsements
https://www.tenement.org/

https://99percentinvisible.org/episode/power-broker-01-robert-caro/

https://www.riverdale10.com/movie/Barry%5FLyndon%5F1975

AR Times Week In Review 01 19 2024

Response to Dave Ramsey show clip 'What Makes You Think You're The Credit Card Exception?' at https://www.youtube.com/watch?v=NBf2KiQ1bUI

--

You’re listening to the Hurdy Gurdy Travel Podcast. I’m your host, Justin Vacula, here to help you travel the world at next to no cost with credit card points, miles, benefits, and rewards. Make money, save money, and take advantage of great deals! 

Thanks for joining me for today’s episode, the Dave Ramsey Debunked Halloween Special with returning guest Darren Remsburg. We respond to a Dave Ramsey Show Highlight clip titled ‘What Makes You Think You’re The Credit Card Exception?’ debunking Ramsey personalities’ talking points aiming to make credit cards seem spooky and not worthwhile.

Before today’s episode, some quick announcements. I’ll be speaking at two more events in 2024, including the October Chicago Seminars event at the Holiday Inn in Elk Grove Village & the miles, points, and gambling event Zorkfest, November 2024 in Las Vegas. 

Visit meetup.com/phillymilesandpoints to RSVP for the monthly Greater Philadelphia Travel: Credit, Miles, and Points meetups I host in Willow Grove, Pennsylvania. The next meetups are on November 17th and December 15th, 2024. Find a link in the show notes.

For more content between podcast episodes, follow Hurdy Gurdy Travel Podcast on Facebook and X, formerly known as Twitter. Follow Justin Vacula on Instagram.

Search Hurdy Gurdy Travel on SubscribeStar.com to financially support my efforts starting at the $5/month tip jar level. 

The website Udio, U-D-I-O, .com created the podcast intro music.

--

Main website, including episode transcripts: https://hurdygurdytravelpodcast.com

Referral links: https://hurdygurdytravel.com/donate-referral-links/

Join me for in-person meetups I host in Willow Grove, PA: https://www.meetup.com/phillymilesandpoints/

SubscribeStar: https://www.subscribestar.com/hurdy-gurdy-travel

SoundCloud: https://soundcloud.com/hurdygurdytravelpodcast

Apple Podcasts: https://podcasts.apple.com/us/podcast/hurdy-gurdy-travel-podcast/id1489093490

YouTube: https://www.youtube.com/channel/UC8EcIcoNU1HK4KKhQtTkAWw

Stitcher: https://www.stitcher.com/podcast/hurdy-gurdy-travel-podcast

Google Play: https://www.play.google.com/music/listen?u=0#/ps/l5bmuntd4wpvtklvg42ejg42ejg4apiu

Facebook: https://www.facebook.com/HurdyGurdyTravelPodcast 

Twitter: https://twitter.com/HGTravelPodcast

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Copy and paste the podcast RSS feed -- http://feeds.soundcloud.com/users/soundcloud:users:706382626/sounds.rss -- to listen on your favorite podcast-playing platform!

Dave Ramsey Debunked - Halloween Special

In this audio-remastered episode, Justin Vacula critiques self-proclaimed financial expert Dave Ramsey's views on credit scores and debt. 

Vacula argues that Ramsey's negative perspective on credit is misleading and fails to acknowledge responsible credit usage. Justin explains how individuals can use credit cards wisely to build their credit scores, earn rewards, and save money without falling into debt paying interest. 

Vacula emphasizes the benefits of leveraging credit for various expenses while debunking Ramsey's claims about the necessity of avoiding credit entirely. The episode encourages listeners to utilize credit responsibly to enhance their financial well-being.

This episode is a response to The Ramsey Show Highlights’ video ‘How to Improve Your Credit Score Without Debt’ (https://www.youtube.com/watch?v=3k0ObI4OBbY&t=0s)

Timestamps:

00:00 Introduction to Travel Rewards
00:33 Critiquing Dave Ramsey's Credit Advice
01:27 Understanding Credit Scores
02:42 Debunking Myths About Debt and Credit
05:38 Benefits of Responsible Credit Use
07:59 Dave Ramsey's Misconceptions
09:54 Real-Life Examples and Counterarguments
14:39 The Value of Credit Card Rewards
31:17 Dave Ramsey's Out-of-Touch Criticism
33:37 Leveraging Credit for Business Growth
34:56 Building Credit: Myths and Realities
35:41 Debunking Dave Ramsey's Arguments
36:37 The Benefits of Responsible Credit Use
38:34 Real-Life Examples and Counterarguments
45:32 The Unrealistic Nature of Cash-Only Living
55:33 The Power of Credit Card Rewards
58:18 Conclusion and Final Thoughts

Main website, including episode transcripts: https://hurdygurdytravelpodcast.com

Referral links: https://hurdygurdytravel.com/donate-referral-links/

Join me for in-person meetups I host in Willow Grove, PA: https://www.meetup.com/phillymilesandpoints/

SubscribeStar: https://www.subscribestar.com/hurdy-gurdy-travel

SoundCloud: https://soundcloud.com/hurdygurdytravelpodcast

Apple Podcasts: https://podcasts.apple.com/us/podcast/hurdy-gurdy-travel-podcast/id1489093490

YouTube: https://www.youtube.com/channel/UC8EcIcoNU1HK4KKhQtTkAWw

Stitcher: https://www.stitcher.com/podcast/hurdy-gurdy-travel-podcast

Google Play: https://www.play.google.com/music/listen?u=0#/ps/l5bmuntd4wpvtklvg42ejg42ejg4apiu

Facebook: https://www.facebook.com/HurdyGurdyTravelPodcast 

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Instagram: http://www.instagram.com/justinvacula

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Dave Ramsey WRONG About The Basics of Credit Cards (Remastered Audio)

Joshua Fields Millburn & Ryan Nicodemus discuss living a meaningful life with less.

In these lively interviews, Jeff Dvoracheck, CPA, breaks down complex tax topics into bite-size how-to's. 

Hawkins Ash CPAs is a full-service public accounting firm providing individuals, businesses and organizations the services they need to save taxes, preserve wealth and maintain compliance. We have offices in Wisconsin and Minnesota. Learn more at www.HawkinsAshCPAs.com.

Travel the world at next to no cost with credit card rewards!

New tracks tagged #Dave Ramsey