Roxy Butner joins the show to break down practical retirement saving strategies—especially for entrepreneurs who struggle to pay themselves first. The conversation covers foundational options like IRAs and Roth IRAs, then moves into more powerful tools such as Solo 401(k)s, SEP IRAs, and SIMPLE IRAs for business owners. They highlight the enormous impact of starting early through compounding, common planning mistakes (like neglecting retirement and estate planning), and current client concerns around market volatility and geopolitical risk. Listener questions tackle HSA asset allocation and whether bonds belong in a portfolio nearing withdrawal, along with a comparison between money market funds and bond funds. The episode reinforces a core theme: ignore the noise, build a plan, and stick to it.

0:09 Show intro and Roxy joins; focus on practical, common-sense advice
0:50 Entrepreneurs and the challenge of saving vs reinvesting in business
1:14 Getting started: traditional IRA basics and tax deferral
2:41 Roth IRA advantages and contribution limits
3:41 Retirement options for self-employed: overview
4:20 Solo 401(k): high contribution potential and dual-role benefits
5:17 SEP IRA: flexible contributions for variable income
6:40 Contribution discipline and “pay yourself first” strategy
7:44 SIMPLE IRA for small businesses with employees
8:22 The power of compounding and starting early
9:12 Early vs late investor example—time beats total contributions
10:29 Common mistakes: not planning early, ignoring estate planning
12:00 Tax season behaviors and last-minute contributions
13:15 Listener question: HSA allocation—100% equity vs adding bonds
14:03 Suggested shift toward 80/20 or modest fixed income allocation
15:34 Risk considerations and need for stability nearing withdrawals
16:00 Listener question: money market vs bond fund performance
16:51 Apples-to-apples comparison and limits of historical data
17:57 Role of bonds vs money markets in long-term portfolios
18:49 Client fears: market drops and volatility concerns
19:49 Geopolitical risk and sticking to a long-term plan
20:17 Importance of real financial planning vs guessing returns
21:57 What listeners get from a free advisor consultation
23:16 How to connect with an advisor and submit questions

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