Money & Taxes from Bb to XYZ

Money & Taxes from Bb to XYZ is the personal finance podcast for baby boomers as well as those in generations X, Y, and Z. Real financial planners break down a single money topic in each episode — and leave you with actionable takeaways at the end.

Money & Taxes from Bb to XYZ is a business podcast hosted by Unknown Host, with 0 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts Money & Taxes from Bb to XYZ, a business show with 0 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #90

  FIRE Up Your Cash Flow, and Coast Into Retirement!

  Aug 20, 202619 min

  In this episode of Money and Taxes from BB to XYZ , Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, explore Coast FIRE, a retirement strategy built around saving aggressively earlier in life and then allowing those investments to compound toward retirement with little or no additional retirement contributions. They discuss how reaching a “Coast” point can create more flexibility to work less, change careers, spend more intentionally, or redirect savings toward other goals while existing retirement assets continue to grow. The conversation also covers the risks of relying on long-term assumptions — including inflation, taxes, and sequence-of-returns risk — and why regular financial planning and cash flow check-ins remain essential. Regina and Jason also highlight different versions of Coast FIRE, from continuing full-time work without retirement contributions to stepping away from work entirely while relying on non-retirement-specific assets. Takeaways Coast FIRE relies on saving heavily early, giving those dollars more time to compound toward a future retirement goal. Reaching your Coast point can create greater flexibility with work, spending, and other financial goals, but it still requires careful planning. Because returns, inflation, taxes, and spending can change, regular cash flow and financial planning check-ins are essential to staying on track. Have a question for the show? Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. Disclosures Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice. © 2026 FPFoCo

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  Episode #89

  Will Social Security Soon Be a Thing of the Past?

  Aug 6, 202615 min

  In this episode of Money and Taxes from Bb to XYZ , Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, examine the latest concerns surrounding the future of Social Security and what potential benefit changes could mean for retirement planning. They discuss the projected depletion of the Social Security trust fund and three potential solutions outlined by the Social Security trustees: increasing payroll taxes, reducing benefits for everyone, or reducing benefits for future claimants. The conversation also explores why fear alone should not drive an early claiming decision and how financial planning tools can stress-test different Social Security, inflation, tax, health care, and longevity scenarios. Rather than trying to predict exactly what lawmakers will do, Regina and Jason emphasize preparing a flexible retirement plan that can adapt as the system changes. Takeaways If no legislative action is taken, Social Security could continue paying benefits from incoming payroll taxes, but at a reduced level once trust fund reserves are depleted. Potential solutions include higher payroll taxes, benefit reductions, later claiming ages, or a combination of changes. Don’t make a Social Security claiming decision based on headlines alone. Stress-test your retirement plan and adjust your savings, investments, or income strategy as new information becomes available. Have a question for the show? Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. Disclosures Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice. © 2026 FPFoCo

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  Episode #88

  Why Do You Invest?

  Jul 23, 202617 min

  In this episode of Money and Taxes from Bb to XYZ , Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, explore one of the foundational questions of financial planning: Why do you invest? Using investment risk as the starting point, they explain that risk isn’t simply about stock prices rising and falling; it also includes factors like liquidity, inflation, savings rates, income needs, and the possibility of not reaching your financial goals. They distinguish between risk tolerance (the amount of investment risk you’re willing to accept) and risk capacity (the amount of risk your financial circumstances can reasonably support), then show how those concepts drive asset allocation and even where investments should be held for maximum tax efficiency. Takeaways Understand your risk tolerance first. Determine how much investment risk you’re personally comfortable taking before choosing an investment strategy. Evaluate your risk capacity. Your timeline, financial goals, available resources, liquidity needs, and overall circumstances may require you to take more (or less) risk than your tolerance alone suggests. Match investments to the right accounts. Once your asset allocation is determined, use asset location strategies by placing growth and income-producing investments in the most tax-efficient account types to maximize long-term results. Have a question for the show? Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. Disclosures Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice. © 2026 FPFoCo

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  Episode #87

  Tolerate This: Your Risk & Your Investments

  Jul 9, 202618 min

  In this episode of Money and Taxes from Bb to XYZ , Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, unpack what "investment risk" really means and why it goes beyond simply watching account values rise and fall. They explain the difference between risk tolerance, or how much risk you’re willing to take, and risk capacity, or how much risk your financial circumstances can support. The conversation explores how goals, timelines, liquidity needs, savings rates, and retirement plans all shape an appropriate investment strategy. Regina and Jason also discuss how risk translates into asset allocation and why asset location — placing the right investments in the right types of accounts — can add tax-savvy efficiency to a portfolio. Takeaways Risk tolerance measures how much investment risk you're emotionally willing to take. Risk capacity considers your real-life circumstances, including goals, timelines, liquidity needs, and available resources. Smart investing also means using asset location to place growth and income-producing investments in the most tax-efficient accounts. Have a tax question for the show? Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. Disclosures Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice. © 2026 FPFoCo

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  Episode #86

  Tax Planning Changes You Can Make Now

  Jun 25, 202617 min

  In this episode of Money and Taxes from BB to XYZ , Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, discuss what to do when a mid-year income boost — like a raise, bonus, RSU vest, or ESPP benefit — creates new tax planning opportunities. They explain why more income can mean more taxes, but also more ways to strategically reduce taxable income and redirect cash flow. The conversation covers bonus withholding, pre-tax employer retirement plan contributions, HSAs, deferred compensation, RSUs, ESPPs, charitable giving, and donor-advised funds. Regina and Jason emphasize that the key is building a tax projection early enough in the year to understand what’s changing and make smart decisions before year-end. Takeaways Start by looking for ways to reduce taxable income at the source, such as 401(k), HSA, IRA, or deferred compensation options. Consider selling RSU or ESPP shares when they vest so you can diversify, manage tax exposure, and redeploy the cash intentionally. After source-level planning, review tax-return strategies like charitable contributions, appreciated stock gifts, and donor-advised funds. Have a tax question for the show? Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. Disclosures Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice. © 2026 FPFoCo

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