Catching Up to FI

529 plan expert Patricia Roberts blows up the myth that 'it's too late' and '529s are just for rich people with toddlers and Ivy League dreams'. She is author of the book 'Route 529' and shares some big changes with 529 plans that make them an incredibly flexible savings vehicle for more than just college. In this episode we cover:
How state tax deductions, credits and 'parity states' work for contributions
The shockingly long list of qualified uses including trade schools, apprenticeships, non-degree credentials, K–12 tuition, tutoring, test prep and even student loan repayment 
Busting the 'use it or lose it' fear and the new option to rollover left over funds to a Roth IRA
How to juggle retirement vs. college savings
Advanced strategies to create generational education wealth
 
 

DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:
 
MONARCH MONEY

The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50
 
For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners 
 
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RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)
🌐 Gift of College
College Countdown
📕 Route 529: A Parent's Guide to Saving for College and Career Training with 529 Plans
Morningstar 529 Ratings: The Best Plans of 2025
What You Can Pay for With a 529 Plan
 
⏰ Related Episodes
The College Discount Game You Need To Know Before Choosing A School | Ron Lieber | 191
Stop Paying for College and Use These High-Return Scholarship Hacks Instead | Chris Corinthian | 189
Banishing The Burden of Student Loan Debt | Travis Hornsby | 122 
 
 
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!

Dan Haylett gives us a late-starter masterclass on why retirement is a human problem long before it's a math problem. Dan is a UK financial planner, creator of 'Humans vs Retirement' podcast, and author of 'The Retirement You Didn't See Coming'.  He walks us through how that outdated 'retire from work and fade away' script clashes with modern 50- and 60-somethings who still have health, curiosity, and huge ambitions. In this episode he also:
Reframes risk as the possibility of dying with plenty of money but too few memories
Unpacks why spreadsheets never quite make us feel safe
Lays out his three-phase map of the second half of life
 
 

DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:
 
MONARCH MONEY

The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50
 
ALLOY

The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer). 
 
For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners 
 
SUPPORT  THE  SHOW
📩 Sign up for our newsletter
🌐 Visit Catching Up to FI website 
🔗Connect with us
☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 
🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question

 
 
RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)
🌐 Humans vs Retirement Website & Podcast
📕 The Retirement You Didn't See Coming
 
⏰ Related Episodes
What Would 'Your Money' Look Like In a Simple Sketch? | Carl Richards | 170
The Father of Financial Life Planning (Part 1) | George Kinder | 140
The Three Kinder Questions (Part 2) | George Kinder | 141
Hard & Soft Sides of Retirement | Fritz Gilbert | 019
 
 
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
 
 
📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

The cost of college is skyrocketing! To make sure you're not paying those sticker prices, we brought in New York Times 'Your Money' columnist, Ron Lieber. He is also author of 'The Price You Pay for College' and joins the show for a brutally honest walkthrough of what is actually going on behind the scenes. In this episode he breaks down:
List price vs. cost of attendance
Why most families don't pay rack rate
How to read a school's 'Common Data Set'
Merit vs. need-based aid
How net price calculators and pre-reads can keep you from falling in love with a school you can't afford



DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:
 
MONARCH MONEY

The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50
 
ALLOY

The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer). 
 
For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners 
 
SUPPORT THE SHOW
📩 Sign up for our newsletter
🌐 Visit Catching Up to FI website 
🔗Connect with us
☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 
🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question

 
 
RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)
📕 Books by Ron Lieber
🌐 Merit Aid Course (with link to free merit aid checklist)
Ron's New York Times Profile
Niche (for comparing colleges)
Saving For College (Compare 529 Plans)
 
⏰ Related Episodes
Stop Paying for College and Use These High-Return Scholarship Hacks Instead | Chris Corinthian | 189
Banishing The Burden of Student Loan Debt | Travis Hornsby | 122 
The New World of 529 College Savings | Patricia Roberts (Coming Soon)
 
 
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
 
 
📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Bill joins Jordan 'Doc G' Grumet for a community episode on the Earn & Invest podcast. They stress-test what happens when someone asks ChatGPT: 'What should I do if I'm retiring in five years?' Bill talks about turning 60, being told he's officially reached financial independence, and shifting from accumulation to a more defensive, retirement-ready nest egg. 
 
 
DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:
 
MONARCH MONEY

The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50
 
ALLOY

The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer). 
 
For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners 
 
 
=== SUPPORT THE SHOW ===
📩 Sign up for our newsletter
🌐 Visit Catching Up to FI website 
🔗Connect with us
☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 
🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question

 
 
RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)
Earn and Invest Podcast
 
⏰ Related Episodes
The pURPOSE Code | Jordan Grumet | 115
A Boat Named YOLO | Bill Yount | 001
 
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
 
 
📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Chris Corinthian is the 'Fin Lit Guy' and knows his way around scholarships and other high-return ways to earn money for college. He joins the show to give us a masterclass on paying for college without wrecking your retirement. Chris opens with his own financial setbacks, including a layoff and a devastating fire, which helped him realize the importance of financial literacy. In this episode, you will learn:
Chris' Debt-free degree triangle
How teens as young as 13 can earn free college credits
His scholarship system that treats applications like a part-time job
Specifics of where and how to apply for scholarships
 
 
DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:
 
MONARCH MONEY

The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50
 
ALLOY

The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer). 
 
For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners 
 
SUPPORT  THE  SHOW
📩 Sign up for our newsletter
🌐 Visit Catching Up to FI website 
🔗Connect with us
☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 
🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question

 
 
RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)
Charities:
Autism Speaks
Red Cross 
 
🌐 The FinLit Guy
📕 Financial Literacy 101 for College Student
📘 Financial Literacy 101 for College Students (free digital download)
My Money Mentors on PBS 
EconoMe Talk
The Boujee Banker
Earn College Credit with CLEP
Scholly Scholarships
Scholarship Owl
Modern States Education Alliance
Raise Me
 
 
⏰ Related Episodes
Banishing The Burden of Student Loan Debt | Travis Hornsby | 122
The College Discount Game You Need To Know Before Choosing A School | Ron Lieber | 191
The New World of 529 College Savings | Patricia Roberts (Coming Soon)
 
 
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
 
 
📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.