"The fastest way to lose half of your money is not a stock market crash but a divorce so it’s a good idea to make sure you’re on the same page when it comes to your finances." Ben Carlson

In This Edition
Introducing a super young financial literacy teacher!
Roth IRA Secrets from America’s Top Tax Expert | Ed Slott’s Retirement Tax Playbook
Latest Podcast
Testimonial

I had never heard of Erin Moriarity before she contacted me about having a conversation with her on ⁠“Erin Talks Money.” ⁠When I visited her Youtube channel I immediately realized what a powerhouse she is. She has over 200,000 subscribers to her Youtube channel and her videos are terrific. She has over 800 videos on topics most young investors or beginners at any age need to see. 36 videos on budgeting, 133 on retirement, and much more. Recently she started interviewing old experienced “experts."

Her first two guest interviews were Ed Slott and Bill Bengen. I felt honored to be a part of a team who want to help teach her followers. Plus, if you read the comments on the YouTube video it’s obvious she has a large group of loyal followers. By the way, her followers made me feel very welcome.

Thanks to all of you who were kind enough to comment on your support of our work.

I hope you enjoy the video/podcast. For those who are interested I responded to many of the questions the viewer posed in the comment section.

0:00 Introduction & Meet Paul Merriman
2:14 The Power of Starting Early (For You & Your Kids)
7:14 100% Equities for Young Investors & Avoiding Overexposure to the S&P 500

14:02 Predicting Future Returns, Compounding & Patience
22:27 Market Cycles, Psychology & Preparing for Bad Times

25:12 Choosing the Right Portfolio Complexity (Levels 1–3)
34:08 Traditional vs. Non-Traditional Index Funds & Vanguard Loyalty
41:34 Why We Own the Whole Market & The Case for 60/40
46:19 Staying the Course, Chasing Returns & Capturing Extra Gains
57:00 How Investing Has Changed & Automatic Enrollment Benefits
1:01:45 Knowing When You Have Enough & The Rise of Hourly Advisors

1:08:44 The 3 Things Every DIY Investor Should Do & Closing Thoughts

Youtube- Roth IRA Secrets from America’s Top Tax Expert | Ed Slott’s Retirement Tax Playbook

I think many of you will appreciate Erin’s interview of Ed Scott.

Here are the topics they discuss:
00:00 - Meet Ed Slott: America's IRA Expert
01:00 - The Biggest Misunderstanding About Retirement Accounts
03:05 - History of Tax Rates & Why It Matters Now
05:00 - Why Your IRA Is a Ticking Tax Time Bomb
07:30 - Tax-Free Growth: Why Roth IRAs Are the Holy Grail
10:50 - The Roth vs Traditional 401(k) Debate
13:00 - Why Future Tax Rates Are Likely to Rise
15:00 - Ed’s Rule: Don’t Waste a Low Tax Bracket
17:00 - What to Do in Your 50s & 60s to Save on Taxes
20:00 - Erin’s Roth Story & Ed’s Favorite Roth Benefits
23:10 - How to Handle RMDs and Roth Conversions in Retirement
26:30 - Ideal Retirement Buckets: Roth, Traditional, Brokerage
28:00 - The SECURE Act Changed Everything
30:30 - When’s the Best Time to Convert to a Roth?
32:00 - Why Most Advisors Get This Wrong
35:30 - How to Find an Advisor Who Understands Tax Strategy
40:10 - Real-Life Roth Success Stories
46:45 - Final Tips for DIY Investors Nearing Retirement
49:15 - What to Do If You Feel Behind on Saving
51:35 - Ed’s #1 Message: Plan With the End in Mind

I’ve known Ed for over 40 years and he is one of the most entertaining teachers in the financial community.

Latest Podcast- 4 Portfolio Levels for Wealth Building

Legendary investing expert Paul Merriman joins Moriarity to share his timeless strategies for building wealth, minimizing risk, and achieving financial freedom. We cover everything from starting early and optimizing your portfolio, to the psychology of investing, market cycles, and how to know when you truly have enough to retire.

Whether you’re a DIY investor or just getting started, you’ll learn actionable steps to boost returns, cut costs, and stay the course through any market. This is a masterclass in index investing, asset allocation, and long-term financial planning you don’t want to miss.

Testimonial

"Erin, that was an absolute Masterclass in investing! Thanks for bring Paul to your channel. I enjoyed seeing how comfortable you and the guest were and how the conversation naturally flowed between topics. I’m going to make sure my kids view this. Advice and insights for LIFE!”

4 Portfolio Levels for Wealth Building

How to retire with more money and greater peace of mind

In This EditionIntroducing a super young financial literacy teacher!Roth IRA Secrets from America’s Top Tax Expert | Ed Slott’s Retirement Tax PlaybookLatest PodcastTestimonial

In This Edition
Introducing a super young financial literacy teacher!
Roth IRA Secrets from America’s Top Tax Expert | Ed Slott’s Retirement Tax Playbook
Latest Podcast
Testimonial