MoneyMD

Debt Ratio | Income Anxiety

Episode 641: Before taking on a mortgage, car loan, or new payment, learn how lenders evaluate your debt-to-income ratio and what it reveals about your financial health. Then, explore the hidden habits and cultural pressures that can leave even high earners feeling financially stressed.

Retirement Readiness | Understanding Medicare

Episode 640: Abbie and Justin go beyond simple rules of thumb to explore the key financial and personal factors that can guide a more confident retirement decision. Then, learn how Medicare really works, from enrollment rules to ongoing plan changes, so you can avoid costly surprises along the way.

Meet Elizabeth | Tax Planning

Episode 639: Matthew and Steve sit down with Elizabeth Fain for a closer look at her role at RYA, plus a few personal insights you may not know. Next, they explore the most important tax updates and strategies that could help you keep more of your money this year.

Wasted Inheritance | Tax Brackets

Episode 638: A sudden windfall can disappear faster than you think. Learn how to avoid hidden mistakes and protect what you’ve been given. Then, Justin and Zach clear up one of the most misunderstood parts of the tax system and show how to use that knowledge to maximize what you keep, not just what you earn.

Meet Ginger! | Investor Discipline

Episode 637: Get to know a familiar voice in a new way as Matthew and Ryan sit down with Ginger Sprecher to talk about her role at RYA and share a glimpse into her life beyond the office. Then, learn how to handle the toughest investing decisions with confidence when markets are at their most challenging.

Estate Planning | Income Illusion

Episode 636: Small oversights can create big problems. Learn practical, real-world strategies to uncover gaps and strengthen your estate plan. Then, Abbie and Zach explain why even high earners can still live paycheck to paycheck and how to break the cycle for lasting wealth.

Market Volatility | Gold Decline

Episode 635: Market volatility is inevitable, but poor decisions aren’t. Learn how a better understanding of downturns can help you stay disciplined and on track. Then, John and Justin explain why gold is falling and what it reveals about how markets truly operate.

Staggered Retirement | Roth Insights

Episode 634: When couples retire at different times, it can reshape both your finances and your relationship. Learn how to plan wisely for a smoother transition. Then, Ryan and Abbie explain the key rules, advantages, and tradeoffs of Roth IRAs to help guide your retirement strategy.

After-Tax Returns | Side Hustles

Episode 633: On this episode, the Money Doctors discuss the correlation between after-tax returns and lasting wealth. Then, they explore flexible side hustles parents can do from home to earn extra income, ease financial pressure, and support family goals without sacrificing valuable time together.

EV vs. Gas | Car Negotiations

Episode 632: Thinking about buying an electric car? Steve and Ryan do the math on EV versus gas to help you make a smart, informed decision. Then, they show you how to handle the often-uncomfortable process of car negotiation in a way that can dramatically lower what you pay.