The Power Of Zero Show

Mar 04 2025 330 ep. 15 mins 170

The Power Of Zero Show Podcast artwork

Tax rates 10 years from now are likely to be much higher than they are today. Is your retirement plan ready? Learn how to avoid the coming tax freight train and maximize your retirement dollars.

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Academics LOVE Annuities – Why Do Investors HATE Them?

Mar 04 2025 5 mins

Today’s episode of The Power of Zero Show features part of David McKnight’s conversation with Caleb Guilliams and Tom Wall, PhD. David kicks things off by addressing the liquidity issue. Handing a chunk of your retirement savings over to an insurance company in exchange for a stream of income that’s guaranteed to last as long as you do sounds great in principle, but people of

How IUL Fits in a Balanced Approach to Tax-Free Retirement

Feb 25 2025 14 mins

This episode of The Power of Zero Show is part of David McKnight’s conversation with Caleb Guilliams and Tom Wall, PhD. David touches upon the “dangerous partnership” between the American people and the IRS. David is an advocate for a balanced, comprehensive, approach to tax-free retirement – he explains why that’s the case. One of the things David likes about IULs is the

Your Authoritative Guide to Tax-Free Retirement Planning in 2025

Feb 18 2025 11 mins

In this episode of The Power of Zero Show, David McKnight addresses different strategies for tax-free retirement planning in 2025. Most Americans are a little nervous when it comes to the fiscal trajectory of the U.S.. According to expert forecasts, the likely extension of the 2017 Trump tax cuts would take the current $36 trillion of national debt beyond the estimated $54 trillion

Expecting a Pension? Strongly Consider a Roth Conversion

Feb 11 2025 6 mins

David McKnight discusses a couple of really good reasons for doing a Roth conversion when you’re expecting a pension in retirement. David sees the American tax system functioning in a similar way as a graduated cylinder. Your income goes in and flows all the way down to the bottom. Some of your money gets taxed at 10%, at 12%, 22%, some at 24%, 32%, at 35%, and some at 37%. Jeff

Dave Ramsey: Fire Your Tax Advisor for Recommending a 401(k)!

This episode of the Power of Zero Show sees host David McKnight address Dave Ramsey’s advice – inviting a member of his audience to fire his tax advisor for recommending a 401(k). The problem with “financial gurus” like Dave Ramsey and the call-in shows they host is that they provide one-size-fits-all prescriptions that are delivered in very stark black and white terms. Whi

The Guru Gap: How America’s Financial Gurus Are Leading You Astray and How to Get Back on Track

Jan 28 2025 63 mins

Today’s episode is a podcast guest interview David McKnight did for Josh Jalinski’s The Financial Quarterback Podcast. David gives Josh’s audience a quick bio that spans from his early days in the financial services space in 1997 all the way to his latest book The Guru Gap. The premise of The Guru Gap is the difference between the 1990s when people had very few options to vet

Suze Orman: Here’s Why Annuities Are So Bad! (Avoid Them at All Costs!)

Jan 21 2025 9 mins

David McKnight takes a closer look at Suze Orman’s take on annuities – and at why she recommends her audience avoid them at all costs. Suze Orman labels the 5.4% compounded annual rate of growth one of her audience members (Janet) has had over the last six years as “horrific in today’s market.” David believes that the main issue with Suze Orman’s approach is that it eng

Congress Approves $200 Billion in Additional Social Security Benefits: Do You Qualify?

Jan 14 2025 6 mins

This episode looks at whether you qualify or not for the $200 billion Social Security benefits approved by the U.S. Congress. Host David McKnight shares that, with the current status quo, the Social Security Trust Fund is on pace to go bust by 2033. If that were to happen, only about 83% of benefits would be paid out… If signed into law by President Joe Biden, the Social Securit

At What Tax Bracket Should I STOP Contributing to Roth: Responding to The Money Guy Show

Jan 07 2025 6 mins

In this episode, host David McKnight tackles a question about the tax bracket at which you should stop contributing to the Roth IRA and start contributing to the traditional IRA. The inspiration for this episode was a recent episode of The Money Guy Show. David believes that advice such as that shared on The Money Guy Show doesn’t consider most of the people asking questions like

New Study: Retirees with Annuities Spend MORE than Those Who Rely on Investments Alone

Dec 31 2024 6 mins

David McKnight looks at a recent study on retirees that seems to tell a different story compared to what many people in the U.S. tend to believe. Americans often view guaranteed lifetime income annuities skeptically – they’re perceived as a drag on the growth of their stock market portfolio. According to the study by retirement researchers David Blanchett and Michael Finke, re