403bwise.org

Sad.

📽️ WATCH: When a health insurer refuses to pay for your treatment, you may have the right to have the denial reviewed — and potentially overturned — by an independent provider.

Here's what you should know: https://propub.li/48KUw5Z

❤️NM

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.

In a U.S. First, New Mexico Opens Doors to Free Child Care for All
www.wsj.com/us-news/in-a...

“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.

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)

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.

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?

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

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.

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

Medicare Will Require Prior Approval for Certain Procedures

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...

⏰ 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#/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#/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/

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#/registration

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...

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

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#/registration

#SocialSecurity

The vast majority of US adults are stressed about grocery costs, an AP-NORC poll finds A new poll finds the vast majority of U.S. adults are feeling some stress about the cost of groceries, as prices continue to rise and concerns about the impact of President Donald Trump’s tariffs rema...

apnews.com/article/poll...

“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!

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#/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

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.

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...

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

“A tax increase on consumers”

Not kind of like. Is.

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...

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-...

“.. a roughly double-digit percentage increase ..”

@wsj.com $HSY
www.wsj.com/business/ret...

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