Capitalist Investor

Losing Your 401(k) Tax Break: What You Need to Know for 2026

Big changes are coming to retirement planning—and they may hit you sooner than you think. In this week’s episode of The Capitalist Investor, Tony and Derek break down new rules that eliminate a key 401(k) tax break for employees over age 50 making more than $150,000Congress is now forcing these catch-up contributions into Roth accounts, removing the upfront tax deduction many workers rely on. While this may sound like bad news, Tony and Derek explain why having a Roth “bucket” might actually strengthen your long-term tax strategy.You’ll learn:Why losing this deduction isn’t as catastrophic as it soundsHow building three “buckets” (cash, tax-deferred, and tax-free) gives you flexibility in retirementWhat the new rules mean for Medicare surcharges and health care costsWhy the government is really making this change—and how it could affect your futureThey also share frustrations with the complexity of the Secure Act 2.0, including catch-up age rules, savers’ matches, and automatic enrollment requirements. Is it smart policy—or just another mess for workers and employers?👉 If you’re over 50 and planning for retirement, this episode is a must-listen.

Why 2025 Could Be the Smartest Year to Retire

With all the market noise and new policy changes in 2025, many experts are calling this the smartest year to retire. In this week’s episode of The Capitalist Investor, Tony and Derek break down why this moment could represent the perfect storm for retirement planning.From locking in market gains after a massive run-up, to taking advantage of favorable tax brackets, to new rules for contributions and deductions—this episode uncovers the key opportunities retirees shouldn’t overlook. The guys also discuss healthcare and Medicare alignment, Social Security timing, and how lifestyle trends are reshaping what “retirement” looks like.Whether you’re one year away or still in the planning phase, this conversation will help you think strategically about your retirement timing.Stay tuned until the end for a quick bonus chat on the Ryder Cup and why the U.S. vs. Europe matchup is about more than just golf.👉 Questions or topic suggestions? Reach out to the show—we love hearing from listeners who want to take control of their financial future.

Why Retirees Underspend — How to Enjoy Your Money Without Fear

Are you underspending in retirement? Many retirees save diligently for decades but struggle to flip the switch from saving to spending. In this episode of The Capitalist Investor, Tony and Derek reveal why so many people spend less than they could — and how to enjoy retirement without fear of running out of money.We’ll cover:Why retirees underspend even with strong financial plansHow a Monte Carlo simulation shows what you can safely spendThe difference between saving for legacy vs. enjoying life todayWhy the first 10 years of retirement are the most importantPractical financial planning strategies to spend confidently while protecting your futureIf you’ve ever wondered “How much can I safely spend in retirement?” or worried about outliving your savings, this episode will give you clarity and confidence. You worked hard for your wealth — now it’s time to enjoy it.

Black Swans and Retirement: Are You Ready for the Unexpected?

Remember the supply chain mess of 2020 or the sudden market drop of 2022? Those so-called “black swan” events hit hard and fast — and they’re not as rare as you think. In this week’s Capitalist Investor, the team dives into how unpredictable market shocks can devastate unprepared portfolios, why retirees are especially vulnerable, and the strategies you can use to safeguard your wealth. Don’t miss this candid conversation on protecting your retirement from the unexpected.#Investing #Retirement #Wealth #Markets #BlackSwans #Economy #FinancePodcast #FinancialPlanning

Dividend Stocks: Defensive Play or Dangerous Trap?

Dividend stocks have long been considered a safe haven for investors seeking steady income. But in today’s market—where interest rates are rising and economic conditions are shifting—are dividend stocks really the reliable play they used to be? Or are they luring investors into a trap with unsustainable yields and hidden risks? In this week’s episode of The Capitalist Investor, Tony Zabiegala and Derek Gabrielsen break down the reality of dividend investing. They explore the history of dividends, the impact of inflation and interest rates, how to evaluate companies with strong vs. weak dividend policies, and what role dividends should play in a balanced portfolio. Whether you’re chasing income, planning for retirement, or simply trying to protect your capital, this discussion will help you separate facts from myths and build a strategy that actually works. 📩 Questions or want help building a strategy? Email us at info@swpconnect.com.