Want to save more for retirement in 2026? In this episode, we break down the new Deferred Compensation Program (DCP) limits: $24,500 annually, or $32,500 if you’re age 50+ and even more if you’re within 3 years of retirement. Find out how pretax and Roth contributions work together - what counts toward the limit and what doesn’t - so you can make the most of your savings next year.

What if one conversation could change your financial future? We talk with Anthony, a Yakima School District leader whose passion for retirement education stems from his family history and years in labor advocacy. He shares how his path from delivery driver to union rep to HR leader shapes his mission to help school employees understand their benefits, start meaningful conversations about saving, and navigate the unique challenges of planning for retirement.

Every two years, contribution rates for Washington’s retirement plans change and that can raise questions. When a relative asked Amber why employer rates went down, she realized it’s just as important to understand decreases as increases. In this episode, we unpack how these rates are set, why they fluctuate, and how you can feel confident that Washington’s pensions remain a reliable, guaranteed source of income.

If you have a DCP or Plan 3 investment account, you're required by the IRS to withdraw a minimum distribution (RMD) from your pretax balance when you reach age 73. We take a look at how the amount you're required to withdraw is calculated. We also look at special cases like inherited accounts and exceptions for those still working.

There are a lot of reasons people choose to convert money within their DCP account from pretax to Roth option. We discuss the process of how this is done as well as the pros and cons, including timing and tax rules.

Sometimes people get overwhelmed trying to find the “right” financial advice. But for a simple and effective method, look no further than "The Simple Path to Wealth" by JL Collins. His three core rules - spend less than you earn, invest the extra in low-cost index funds, and avoid debt - have become a strong foundation for those looking to grow financially. We discuss Collins’ approach to compound interest and simplifying your finances.

Washington state has some of the strongest-funded pensions in the nation. In this episode, we sit down with Washington State Actuary, Matt Smith, to unpack why the Law Enforcement Officers' and Fire Fighters' (LEOFF) Plan 1 has an expected surplus. Matt breaks down simple ways to measure pension health, why LEOFF 1 now looks more like an endowment, and the policy and legal questions lawmakers face when deciding how to use expected surplus pension funds.

What does it really mean to retire early? Is it about leaving work behind completely, or is it more about creating flexibility, freedom, and balance sooner rather than later? We’re joined by Christine, a DRS employee who’s been carefully planning for her future since her mid-20s. She shares how her perspective on retirement has evolved: from imagining it as “stopping work altogether” to thinking about it as a chance to downshift: maybe working part-time, pursuing a different role, or finding new ways to stay engaged without the 9-to-5 grind.