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/

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

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 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

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 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

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 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/

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 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/

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 is Wrong About Points And Miles

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