403bwise.org
@403bwise.bsky.social
Non-profit working to fix the broken K-12 403(b) retirement plan.
Reposted by 403bwise.org
In a U.S. First, New Mexico Opens Doors to Free Child Care for All
www.wsj.com/us-news/in-a...
www.wsj.com/us-news/in-a...
In a U.S. First, New Mexico Opens Doors to Free Child Care for All
The state aims to give children a better start, but faces supply and staffing concerns.
www.wsj.com
November 19, 2025 at 11:18 PM
In a U.S. First, New Mexico Opens Doors to Free Child Care for All
www.wsj.com/us-news/in-a...
www.wsj.com/us-news/in-a...
Reposted by 403bwise.org
Blue Cross had refused to pay thousands of claims for the center’s patients, but on several occasions executives at the insurance company had signed special one-time deals with the center to pay for their wives’ cancer treatment.
(Published April)
(Published April)
“Slow Pay, Low Pay or No Pay”: Trial Reveals How Insurers Try to Wield Power Over Doctors
Blue Cross authorized mastectomies and breast reconstructions for women with cancer but refused to pay the full doctors’ bills. A jury called it fraud and awarded the practice $421 million.
www.propublica.org
October 11, 2025 at 3:00 AM
Blue Cross had refused to pay thousands of claims for the center’s patients, but on several occasions executives at the insurance company had signed special one-time deals with the center to pay for their wives’ cancer treatment.
(Published April)
(Published April)
Reposted by 403bwise.org
Murray: I talked to a family that’s paying about $300 a month for their health insurance. It’s going to jump to over $1,800 per month.
Many people will turn away and not pay for it—obviously, they’ll lose their health insurance. The fewer people who have insurance, the more everybody pays.
Many people will turn away and not pay for it—obviously, they’ll lose their health insurance. The fewer people who have insurance, the more everybody pays.
October 7, 2025 at 10:46 PM
Murray: I talked to a family that’s paying about $300 a month for their health insurance. It’s going to jump to over $1,800 per month.
Many people will turn away and not pay for it—obviously, they’ll lose their health insurance. The fewer people who have insurance, the more everybody pays.
Many people will turn away and not pay for it—obviously, they’ll lose their health insurance. The fewer people who have insurance, the more everybody pays.
Reposted by 403bwise.org
The gap between teacher pay and other college graduates’ pay is the highest it’s been in over four decades.
Is there a “teacher shortage,” or a shortage of jobs that treat educators with the pay, dignity, and support they deserve?
Is there a “teacher shortage,” or a shortage of jobs that treat educators with the pay, dignity, and support they deserve?
September 24, 2025 at 11:00 PM
The gap between teacher pay and other college graduates’ pay is the highest it’s been in over four decades.
Is there a “teacher shortage,” or a shortage of jobs that treat educators with the pay, dignity, and support they deserve?
Is there a “teacher shortage,” or a shortage of jobs that treat educators with the pay, dignity, and support they deserve?
Roth IRA vs. 403(b) - which one is better for YOU?
Emily breaks down the key differences & what every educator should know before choosing where to invest for retirement.
→ Tax-free growth?
→ Employer match?
→ Which option wins for your future?
👆 Watch now and get the clarity you need.
#403bwise
Emily breaks down the key differences & what every educator should know before choosing where to invest for retirement.
→ Tax-free growth?
→ Employer match?
→ Which option wins for your future?
👆 Watch now and get the clarity you need.
#403bwise
August 30, 2025 at 1:03 PM
Roth IRA vs. 403(b) - which one is better for YOU?
Emily breaks down the key differences & what every educator should know before choosing where to invest for retirement.
→ Tax-free growth?
→ Employer match?
→ Which option wins for your future?
👆 Watch now and get the clarity you need.
#403bwise
Emily breaks down the key differences & what every educator should know before choosing where to invest for retirement.
→ Tax-free growth?
→ Employer match?
→ Which option wins for your future?
👆 Watch now and get the clarity you need.
#403bwise
A Podcast with Buffalo Bills QB Josh Allen?
Not quite…but close. Dan thought Scott booked the reigning NFL MVP. Instead, we’re breaking down the OBBBA - a massive piece of legislation with real impact on educators.
🎧 Don’t miss this one - listen now at the link in bio.
Not quite…but close. Dan thought Scott booked the reigning NFL MVP. Instead, we’re breaking down the OBBBA - a massive piece of legislation with real impact on educators.
🎧 Don’t miss this one - listen now at the link in bio.
August 29, 2025 at 4:31 PM
A Podcast with Buffalo Bills QB Josh Allen?
Not quite…but close. Dan thought Scott booked the reigning NFL MVP. Instead, we’re breaking down the OBBBA - a massive piece of legislation with real impact on educators.
🎧 Don’t miss this one - listen now at the link in bio.
Not quite…but close. Dan thought Scott booked the reigning NFL MVP. Instead, we’re breaking down the OBBBA - a massive piece of legislation with real impact on educators.
🎧 Don’t miss this one - listen now at the link in bio.
Stock Market worry? Don’t panic.
Emily explains why riding out the ups and downs of the stock market is key to long-term investing success.
Patience beats panic every time.
👆 Watch now to learn how smart investors stay steady.
#403bwise #StockMarketTips #InvestSmart #TeacherFinance
Emily explains why riding out the ups and downs of the stock market is key to long-term investing success.
Patience beats panic every time.
👆 Watch now to learn how smart investors stay steady.
#403bwise #StockMarketTips #InvestSmart #TeacherFinance
August 29, 2025 at 3:36 PM
Stock Market worry? Don’t panic.
Emily explains why riding out the ups and downs of the stock market is key to long-term investing success.
Patience beats panic every time.
👆 Watch now to learn how smart investors stay steady.
#403bwise #StockMarketTips #InvestSmart #TeacherFinance
Emily explains why riding out the ups and downs of the stock market is key to long-term investing success.
Patience beats panic every time.
👆 Watch now to learn how smart investors stay steady.
#403bwise #StockMarketTips #InvestSmart #TeacherFinance
A pilot program in six states will use a tactic employed by private insurers that has been heavily criticized for delaying and denying medical care.
www.nytimes.com/2025/08/28/h...
www.nytimes.com/2025/08/28/h...
Medicare Will Require Prior Approval for Certain Procedures
www.nytimes.com
August 28, 2025 at 2:59 PM
A pilot program in six states will use a tactic employed by private insurers that has been heavily criticized for delaying and denying medical care.
www.nytimes.com/2025/08/28/h...
www.nytimes.com/2025/08/28/h...
⏰ TODAY! Learn how to avoid costly Social Security mistakes in our free Zoom with Lucretia Ryan.
📅 Aug 19 | 4pm PDT
🔗 Register now: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
📅 Aug 19 | 4pm PDT
🔗 Register now: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
August 19, 2025 at 7:26 PM
⏰ TODAY! Learn how to avoid costly Social Security mistakes in our free Zoom with Lucretia Ryan.
📅 Aug 19 | 4pm PDT
🔗 Register now: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
📅 Aug 19 | 4pm PDT
🔗 Register now: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
⏰ TOMORROW! Your Social Security benefit isn’t automatically optimized—and most people claim at the wrong time. Don’t make the same mistake.
Free Zoom with Lucretia Ryan | Aug 19, 4pm PDT
🔗 Register: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
Free Zoom with Lucretia Ryan | Aug 19, 4pm PDT
🔗 Register: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
August 18, 2025 at 7:25 PM
⏰ TOMORROW! Your Social Security benefit isn’t automatically optimized—and most people claim at the wrong time. Don’t make the same mistake.
Free Zoom with Lucretia Ryan | Aug 19, 4pm PDT
🔗 Register: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
Free Zoom with Lucretia Ryan | Aug 19, 4pm PDT
🔗 Register: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
How do you climb the wealth ladder?
Author Nick Maggiulli joins us to break down his new book The Wealth Ladder:
6 net worth levels
How to move up
The 0.01% spending rule
🎧 Listen now: https://teachandretirerich.libsyn.com/
Author Nick Maggiulli joins us to break down his new book The Wealth Ladder:
6 net worth levels
How to move up
The 0.01% spending rule
🎧 Listen now: https://teachandretirerich.libsyn.com/
August 15, 2025 at 2:03 PM
How do you climb the wealth ladder?
Author Nick Maggiulli joins us to break down his new book The Wealth Ladder:
6 net worth levels
How to move up
The 0.01% spending rule
🎧 Listen now: https://teachandretirerich.libsyn.com/
Author Nick Maggiulli joins us to break down his new book The Wealth Ladder:
6 net worth levels
How to move up
The 0.01% spending rule
🎧 Listen now: https://teachandretirerich.libsyn.com/
2,700 Social Security rules. You only need to know the ones that apply to you.
Join our free Zoom Aug 19 @ 4pm PDT with Lucretia Ryan & learn before you claim.
🔗 Register: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
Join our free Zoom Aug 19 @ 4pm PDT with Lucretia Ryan & learn before you claim.
🔗 Register: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
August 13, 2025 at 3:31 PM
2,700 Social Security rules. You only need to know the ones that apply to you.
Join our free Zoom Aug 19 @ 4pm PDT with Lucretia Ryan & learn before you claim.
🔗 Register: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
Join our free Zoom Aug 19 @ 4pm PDT with Lucretia Ryan & learn before you claim.
🔗 Register: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
Reposted by 403bwise.org
SAVOURI: “.. If you look through the front windscreen rather than the rear-view mirror, it's clear to see stagflation is coming to the U.S." 🇺🇸
www.morningstar.com/news/marketw...
www.morningstar.com/news/marketw...
August 8, 2025 at 2:24 PM
SAVOURI: “.. If you look through the front windscreen rather than the rear-view mirror, it's clear to see stagflation is coming to the U.S." 🇺🇸
www.morningstar.com/news/marketw...
www.morningstar.com/news/marketw...
Maryland educator Julius Prezelski reflects on 3 decades of teaching financial literacy, coaching basketball, and preparing for retirement.
A must-listen for teachers thinking about their next chapter.
🎧 Podcast #386
https://teachandretirerich.libsyn.com/
#RetirementPlanning
A must-listen for teachers thinking about their next chapter.
🎧 Podcast #386
https://teachandretirerich.libsyn.com/
#RetirementPlanning
August 8, 2025 at 2:29 PM
Maryland educator Julius Prezelski reflects on 3 decades of teaching financial literacy, coaching basketball, and preparing for retirement.
A must-listen for teachers thinking about their next chapter.
🎧 Podcast #386
https://teachandretirerich.libsyn.com/
#RetirementPlanning
A must-listen for teachers thinking about their next chapter.
🎧 Podcast #386
https://teachandretirerich.libsyn.com/
#RetirementPlanning
Social Security rules are changing—fast.
Join our FREE Zoom event Aug 19 @ 4 PM PDT to learn how to protect your benefits before it’s too late.
🔗 Register now: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
#SocialSecurity
Join our FREE Zoom event Aug 19 @ 4 PM PDT to learn how to protect your benefits before it’s too late.
🔗 Register now: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
#SocialSecurity
August 5, 2025 at 8:49 PM
Social Security rules are changing—fast.
Join our FREE Zoom event Aug 19 @ 4 PM PDT to learn how to protect your benefits before it’s too late.
🔗 Register now: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
#SocialSecurity
Join our FREE Zoom event Aug 19 @ 4 PM PDT to learn how to protect your benefits before it’s too late.
🔗 Register now: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
#SocialSecurity
Reposted by 403bwise.org
“Maybe I was the problem?”
Dan reflects on his years working with amazing colleagues across multiple states & schools… & shares why finding the right teaching location really does matter!
Big news: Dan & Scott drop a hint about a new project in the works.
🎧 403bwise to Get Wiser? is live now!
Dan reflects on his years working with amazing colleagues across multiple states & schools… & shares why finding the right teaching location really does matter!
Big news: Dan & Scott drop a hint about a new project in the works.
🎧 403bwise to Get Wiser? is live now!
August 4, 2025 at 10:44 PM
“Maybe I was the problem?”
Dan reflects on his years working with amazing colleagues across multiple states & schools… & shares why finding the right teaching location really does matter!
Big news: Dan & Scott drop a hint about a new project in the works.
🎧 403bwise to Get Wiser? is live now!
Dan reflects on his years working with amazing colleagues across multiple states & schools… & shares why finding the right teaching location really does matter!
Big news: Dan & Scott drop a hint about a new project in the works.
🎧 403bwise to Get Wiser? is live now!
Reposted by 403bwise.org
Wait’ll 24 million Americans get their ACA exchange renewal notices from their insurance carriers in October.
Whoa! Only 15% say they’re better off financially.
CBS News Analysis: Six months in, Trump’s approval among young people has cratered.
CBS News Analysis: Six months in, Trump’s approval among young people has cratered.
July 31, 2025 at 10:39 PM
Wait’ll 24 million Americans get their ACA exchange renewal notices from their insurance carriers in October.
📢 Claiming Social Security too early could cost you hundreds every month—for life.
Join us Aug 19, 4pm PDT for a free Zoom with Lucretia Ryan to learn how timing & strategy impact your benefits.
🔗 Register: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
Join us Aug 19, 4pm PDT for a free Zoom with Lucretia Ryan to learn how timing & strategy impact your benefits.
🔗 Register: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
July 31, 2025 at 8:17 PM
📢 Claiming Social Security too early could cost you hundreds every month—for life.
Join us Aug 19, 4pm PDT for a free Zoom with Lucretia Ryan to learn how timing & strategy impact your benefits.
🔗 Register: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
Join us Aug 19, 4pm PDT for a free Zoom with Lucretia Ryan to learn how timing & strategy impact your benefits.
🔗 Register: https://us02web.zoom.us/meeting/register/YJnIZy8ySzOVvemwLJrqcA<a href="/hashtag/%2Fregistration" class="hover:underline text-blue-600 dark:text-sky-400 no-card-link">#/registration
Retirees, this one’s for you. 🛑
Should you roll your 403(b) into an IRA? It’s one of the most common questions we get—and Emily is here to break it down.
💡 Your retirement money deserves the best home—make sure you know your options.
#403bwise
Should you roll your 403(b) into an IRA? It’s one of the most common questions we get—and Emily is here to break it down.
💡 Your retirement money deserves the best home—make sure you know your options.
#403bwise
July 31, 2025 at 4:47 PM
Retirees, this one’s for you. 🛑
Should you roll your 403(b) into an IRA? It’s one of the most common questions we get—and Emily is here to break it down.
💡 Your retirement money deserves the best home—make sure you know your options.
#403bwise
Should you roll your 403(b) into an IRA? It’s one of the most common questions we get—and Emily is here to break it down.
💡 Your retirement money deserves the best home—make sure you know your options.
#403bwise
Reposted by 403bwise.org
One reason so many American hospitals are struggling? Investors buy them up, then suck them dry, charging such high rents that services are gutted.
Reveal explores what happened to one Louisiana hospital when Medical Properties Trust came to town. www.motherjones.com/politics/202...
Reveal explores what happened to one Louisiana hospital when Medical Properties Trust came to town. www.motherjones.com/politics/202...
The landlord gutting America’s hospitals
Medical Properties Trust buys up hospitals and then leases them back to health care systems. Dozens of its hospitals have gone belly up.
www.motherjones.com
July 27, 2025 at 11:20 PM
One reason so many American hospitals are struggling? Investors buy them up, then suck them dry, charging such high rents that services are gutted.
Reveal explores what happened to one Louisiana hospital when Medical Properties Trust came to town. www.motherjones.com/politics/202...
Reveal explores what happened to one Louisiana hospital when Medical Properties Trust came to town. www.motherjones.com/politics/202...
Most K-12 403(b) companies do NOT care about educators
Most K-12 403(b) companies only care about their PROFITS
In Ep. 384, Dan & Scott talk with Dick Shaffer—a former TIAA-CREF Regional Manager who helped lead the charge to reform CA’s K-12 403(b) system.
🎧 Hear what happened behind the scenes
Most K-12 403(b) companies only care about their PROFITS
In Ep. 384, Dan & Scott talk with Dick Shaffer—a former TIAA-CREF Regional Manager who helped lead the charge to reform CA’s K-12 403(b) system.
🎧 Hear what happened behind the scenes
July 28, 2025 at 5:34 PM
Most K-12 403(b) companies do NOT care about educators
Most K-12 403(b) companies only care about their PROFITS
In Ep. 384, Dan & Scott talk with Dick Shaffer—a former TIAA-CREF Regional Manager who helped lead the charge to reform CA’s K-12 403(b) system.
🎧 Hear what happened behind the scenes
Most K-12 403(b) companies only care about their PROFITS
In Ep. 384, Dan & Scott talk with Dick Shaffer—a former TIAA-CREF Regional Manager who helped lead the charge to reform CA’s K-12 403(b) system.
🎧 Hear what happened behind the scenes
Reposted by 403bwise.org
“A tax increase on consumers”
Not kind of like. Is.
Not kind of like. Is.
July 28, 2025 at 1:11 PM
“A tax increase on consumers”
Not kind of like. Is.
Not kind of like. Is.
Reposted by 403bwise.org
For the ACA exchange enrollees, how much will their premiums skyrocket starting just over 5 months from today?
Well, that'll vary widely depending on where they live, what their household income is, how old they are etc, but here's some examples for each state:
acasignups.net/ira-subsidy-...
Well, that'll vary widely depending on where they live, what their household income is, how old they are etc, but here's some examples for each state:
acasignups.net/ira-subsidy-...
How much more will ACA enrollees have to pay if the IRA subsidies expire?
USE THE DROPDOWN MENU ABOVE TO PICK A STATE. It was in early 2021 that Congressional Democrats passed & President Biden signed the American Rescue Plan Act (ARPA), which among other things dramaticall...
acasignups.net
July 27, 2025 at 6:08 PM
For the ACA exchange enrollees, how much will their premiums skyrocket starting just over 5 months from today?
Well, that'll vary widely depending on where they live, what their household income is, how old they are etc, but here's some examples for each state:
acasignups.net/ira-subsidy-...
Well, that'll vary widely depending on where they live, what their household income is, how old they are etc, but here's some examples for each state:
acasignups.net/ira-subsidy-...