Year-End Money Moves: Student Loan Savings, Roth Conversions, and Disability Insurance SB1912

Some of the best money moves of the year come with a deadline most people never notice. A student loan rate can drop by a full percentage point with one setup step. A window may be open to move retirement money with little or no tax. A gap in your income protection can sit unnoticed until a claim gets denied. Joe Saul-Sehy and guest co-host Anna Allem, CFP, sort the urgent from the merely interesting, using a caller’s real insurance dilemma, a family college decision, and a ringside look at the market’s worst Mondays. It takes a free hour before the calendar flips and no finance degree.What You’ll Walk Away WithThe deadline that got pushed back, and the one setup step that trims a student loan rate by a full pointWhy one point off a rate is a bigger win than it soundsWhat to check first if your repayment plan changed without you doing anythingA simple way to show a student what a college choice will cost after graduation, using real salary dataThe question one family asked a kid before agreeing to the pricier schoolWhy a year-end Roth conversion deserves a look from some savers, and the Medicare premium surprise to understand before you try itWhat an insurer does when a condition is already on your record, and why shopping around won’t change itHow to map the “crater” a lost income would leave, and when that math says you can skip the policyThe employer route that can quietly solve a coverage problemWhich of three famous Black Mondays hit hardest, and when a mutual fund trade really happensA starting point for someone new to saving, military families included, that begins smallWhy This Matters Now Year-end is when quiet deadlines pile up and good intentions slip. You don’t need to master everything on the list. You need to know which items are time-sensitive, which can wait, and which you can cross off. If you worry about making a move you can’t undo, or feel behind because you haven’t looked at your plan lately, this is a low-pressure way to catch up.From the Basement Doug turns the trivia into a title bout, with boxing legends and a bowl of queso that did not survive the match. He also makes a Trans Am joke that nobody else in mom’s basement gets.Resources MentionedEducation Department Extends 1% Student Loan Auto-Pay Cut: The College Investor on the extended deadlineStacking Benjamins Guides: HR and benefits, college planning, and taxesOccupational Outlook Handbook: Bureau of Labor Statistics salary and job data for comparing majorsThe MILMO Show: Lacey