403bwise.org
403bwise.bsky.social
403bwise.org
@403bwise.bsky.social
Non-profit working to fix the broken K-12 403(b) retirement plan.
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
August 30, 2025 at 1:03 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.
August 29, 2025 at 4:31 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
August 29, 2025 at 3:36 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
August 19, 2025 at 7:26 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
August 18, 2025 at 7:25 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/
August 15, 2025 at 2:03 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
August 13, 2025 at 3:31 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
August 8, 2025 at 2:29 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
August 5, 2025 at 8:49 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!
August 4, 2025 at 10:44 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
July 31, 2025 at 8:17 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
July 31, 2025 at 4:47 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
July 28, 2025 at 5:34 PM
A teacher was threatened by a 403(b) sales rep. 🍕 Equitable finally fired him.

➡️ Hear the full story + how Delaware is doing 403(b)s right.

🎧 New podcast out now.

#403bwise #TeacherFinance #RetirementReform
July 20, 2025 at 2:24 AM
Equitable finally fired the rep who threatened a teacher. 🍕 Yes, this happened. Also: Delaware's state-run 403(b) is a model worth copying. We break it down on the pod.

🔗 https://teachandretirerich.libsyn.com/equitable-does-the-right-thing-delaware-state-403b-plan-382
July 19, 2025 at 1:12 PM
What if making more money didn’t mean doing more work?

🧠 That’s the idea behind this week’s Weekend Wisdom article.

Nick Maggiulli breaks down real ways to increase income without increasing effort—through automation, investments, and strategic leverage.

👀 read it at the link in bio!
July 13, 2025 at 3:01 PM
💥 If benefits officials had to personally try getting out of a bad 403(b), we bet the options would look a whole lot better.

In this week's pod, we:
📉 Call out the system
🛠️ Share how to exit Equitable
🚪 Give real steps to break free
🎧 link in bio
July 12, 2025 at 1:02 PM
Every educator who’s ever escaped a bad 403(b) deserves a gold medal.

And for those still stuck?
We’ve got you.

🎙️ New pod with step-by-step guidance, Equitable exit help, and encouragement.

🔗 https://teachandretirerich.libsyn.com/403b457b-basics-how-to-get-out-of-a-bad-403b
July 11, 2025 at 1:02 PM
China isn't just leading EV adoption—it’s 10 years ahead in fast charging infrastructure and dominates the global battery supply chain. This isn’t about luxury—it’s about everyday access for everyone. ⚡

#ChinaEV #EVAdoption #TechLeadership
July 5, 2025 at 2:01 PM
This 4th of July, let’s celebrate our freedoms—and fight for the ones educators still don’t have.

Too many teachers are stuck in predatory 403(b) plans that chip away at their retirement.

It’s time for transparency.
It’s time for reform.

🔔 Let freedom ring—for teachers, too.

https://403bwise.org
July 4, 2025 at 5:02 PM
New pod drop: The Wealthy Custodian on Retirement and Hiring an Estate Fiduciary 💼

Jeff York opens up about life in retirement, what “enough” really means, and his decision to bring in a fiduciary to protect his legacy.

🎧 to Episode 381 now: https://teachandretirerich.libsyn.com/
July 4, 2025 at 1:34 PM
💡 Heard of the 4% Rule? It’s one of the most talked-about strategies in retirement planning—but most people are using it all wrong.

Emily breaks it down in today’s reel so you can plan smarter and retire with confidence. 🎯

What’s your take on the 4% rule? Drop your thoughts in the comments ⬇️
June 30, 2025 at 7:03 PM
🏀📘 After 31 years coaching and teaching, Julius Prezelski reflects on his career in Maryland education.

From basketball to budgeting, he’s left a legacy on and off the court.

Read the full Teacher Talk here:

👉 https://www.ngpf.org/blog/teacher-talk/teacher-talk-with-julius-prezelski/
June 28, 2025 at 2:02 PM
Dan leased a car for the first time ever—and he’s supposed to be the financially responsible one?! 😳

In Ep. 380, we break ⬇️ the summer 💰 moves educators should consider… & why traditional “rules” 🚫 always hold ⬆️.

🎧 https://teachandretirerich.libsyn.com/summer-financial-moves-dan-leases-a-car-380
June 27, 2025 at 1:13 PM
One of the top questions we hear: “How should I allocate my 403(b) or 457(b) investments?”

🎯 It’s not about picking the perfect stock—it’s about smart diversification.

Start here: https://403bwise.org/education/investment
June 24, 2025 at 10:01 PM