In this episode of The Teacher Money Show, I sit down with financial planner and tax expert Sean Mullaney to break down smart tax planning strategies for teachers. Whether you’re focused on maximizing your retirement accounts, exploring the benefits of an HSA, or building a side hustle, Sean shares practical, actionable tips to help you make the most of your money next tax season.

Explore the show notes at:

https://www.teachermoneyshow.com/show82

Become a guest on the show:

https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

Get Free Only Financial Planning with Nectarine (affiliate)

https://hellonectarine.com/r/teachermoney

We cover how tax planning has evolved in recent years, especially with the rise of the standard deduction, and what that means for educators trying to lower their tax bill and build long-term wealth.

💡 Topics We Cover:

-How the shift to the standard deduction impacts your tax strategy

-Traditional vs. Roth contributions: what teachers need to consider

-The "compelling three" approach: traditional 403b/401k, Roth IRA, and taxable brokerage

-Hidden power of HSAs (Health Savings Accounts) and how to use them for tax-free retirement income

-Side hustle tax tips: how to use SEP IRAs and Solo 401ks for additional savings

-Real estate investing: what counts as passive income and how to use depreciation

-When it’s time to bring in a tax professional

🎯 Whether you're a veteran educator or new to the classroom, this episode will help you create a tax-efficient strategy that aligns with your goals—without getting overwhelmed by the complexity of the tax code.

🔔 Don’t forget to like, subscribe, and share with a fellow teacher who needs to hear this!

🎙️ Subscribe to The Teacher Money Show wherever you get your podcasts.

#TeacherFinance #TaxPlanning #FinancialLiteracy #403b #RothIRA #SideHustleTips #HSATaxBenefits #Solo401k #TeacherMoneyShow #SeanMullaney #RetirementPlanning

The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Shaun and the Teacher Money Show podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services.

If you have federal student loans, 2025 is shaping up to be a year of major changes—and you need to be prepared. In this episode of the Teacher Money Show, I sit down with student loan expert Andrew Paulson to break down the latest updates affecting teachers and anyone with federal student loans.

Explore the show notes at:

https://www.teachermoneyshow.com/show81

Become a guest on the show:

https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

Contact Andrew to get Student Loan Advice! (Referral link)

https://studentloanadvice.com/tms

We cover:

✅ The future of the SAVE repayment plan

✅ Delays in income certification for IBR, ICR, and PAYE

✅ What the Department of Education shake-up means for you

✅ Why PSLF is likely safe (for now)

✅ Smart strategies for refinancing and backup planning

Whether you’re pursuing Public Service Loan Forgiveness (PSLF), enrolled in an IDR plan, or considering refinancing, this conversation gives you the tools to make informed decisions and protect your financial future.

🔗 Key Resources & Action Items:

Download your full loan history from studentaid.gov

Explore alternatives to SAVE (IBR, PAYE, ICR)

Review your budget for potential payment increases

Set up a “side fund” to stay ahead of changes

Consider refinancing if forgiveness isn’t your path

📈 Don’t let student loan changes catch you off guard—hit play to stay informed and stay empowered!

🔔 Subscribe for weekly episodes on money strategies for teachers!

#StudentLoans #TeacherDebt #PSLF #IDR #SAVEPlan #TeacherFinance #TeacherMoneyShow #FinancialFreedom #StudentLoanForgiveness #AndrewPaulson #TeacherSideHustles #RefinanceStudentLoans

Are you a teacher dreaming of early retirement? In this episode of The Teacher Money Show, Shaun Morgan sits down with Rachel (@teachertomillionaire), a veteran middle school math teacher and passionate financial educator, to talk about how taxable brokerage accounts can play a key role in your early retirement plan.

Explore the show notes at:

https://www.teachermoneyshow.com/show80

Become a guest on the show:

https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

The brokerage I recommend is Fidelity (Referral link)

https://fidelity.app.link/e/oCNKRWIuoNb

In this episode we discuss early retirement and how retirement accounts like the IRA and 457 are great, but can't beat taxable accounts for flexibility, no contribution limits, and even the possibility of 0% capital gains tax in early retirement.

💰 Rachel shares her simple, effective three-fund portfolio strategy

📉 How she escaped a high-fee 403(b) vendor (saving nearly $1M!)

🚀 Why automating your investments is key to long-term success

🧠 How to mentally treat your taxable account as a retirement vehicle

🎯 Rachel offers a free "How to get out of a high fee vendor" and "Ticker symbol cheat sheet". You can find them in the show notes!

#financialindependence #teachersidehustle #taxablebrokerage #earlyretirement #teacherfinance #403b #investingforteachers #financialliteracy #fi #teachermoneyshow