Jae'$ Corner Podcast

Good Debt, Bad Debt

In This Broadcast: 1. **Interest Rates and Debt Dynamics:** Rising interest rates significantly impact debt, from personal loans to national debt. Understanding the relationship between interest rates and debt is crucial for making informed financial decisions. 2. **Bond Market Volatility:** The bond market, which includes both individual bonds and bond funds, is sensitive to interest rate changes. Bond prices can fluctuate, affecting the value of bond investments. 3. **Government Debt Concerns:** The national debt, particularly in the United States, is growing, and the cost of borrowing for the government is also increasing. This can lead to a cycle where higher interest rates make it more challenging to manage the national debt. Summary of the Video In this video, we delve into the impact of rising interest rates on various forms of debt, ranging from personal finances to national debt. We discuss the importance of comprehending how interest rates affect debt and discuss the dynamics of the bond market, where bond prices can fluctuate due to interest rate changes. Additionally, the video touches on concerns related to the growing national debt and how higher interest rates can create challenges in managing it. Understanding these concepts is essential for making sound financial decisions in an environment of changing interest rates.

Callers Get It Wrong | Medicaid & Medicare Common Misunderstandings About Medicaid & Medicare | I Answered Callers Live In This Video: - There have been changes in the Medicare and Medicaid world, and the book addresses these changes. - There is a process called Medicaid redetermination that is being implemented nationwide after a public health emergency. It involves re-examining the qualifications of Medicaid recipients. - Medicaid recipients are receiving letters with questions about their financial resources for re-qualification. - Medicare has notable changes related to prescription drug benefits, and there are ongoing concerns about the financial sustainability of the program.

Estate Planning Mistakes and How to Avoid Them | Insights from Sanford Mall, JD

Sandy and I have known each other and have worked together for years. This video features an interview with elder law attorney Sanford Mall, discussing the importance of legal documents such as trusts, wills, and medical directives. The conversation highlights the significance of having a medical power of attorney and a financial durable power of attorney to make decisions on one's behalf when unable to do so. It emphasizes the need to avoid probate court by utilizing a revocable living trust and properly funding it. The interview also addresses the importance of keeping estate planning documents up to date and tailoring them to individual circumstances. Legal documents like trusts, wills, and medical directives are crucial for individuals to protect themselves and their assets. A medical power of attorney allows a chosen representative to make healthcare decisions when a person is unable to do so, while a financial durable power of attorney appoints someone to handle financial matters. Utilizing a revocable living trust and properly funding it can help individuals avoid probate court and maintain control over the distribution of their assets.

How To Solve Your Caregiving Crisis Guest: Annalee Kruger, Founder of Care Right Inc (https://carerightinc.com) In This Broadcast In this video, Anna Lee Kruger, the president of Care Right Inc, discusses the caregiver crisis and the importance of proactive planning for aging parents. She emphasizes the need for families to have open communication and create an aging plan to ensure the best quality of care for their loved ones. Anna Lee explains that her consultancy company offers services to educate and guide families through the process, including creating a care matrix, researching care options, and providing ongoing support. Highlights - The caregiver crisis exists in every location, and it is essential for families to address it proactively. - Open communication and creating an aging plan can help avoid caregiver burnout and family conflicts. - Care Right Inc offers consultancy services to educate and guide families in making informed decisions about care options and implementing an aging plan. From Annalee: We know it takes courage to inquire for help with aging loved one's care needs. If the message in this podcast hit home for you and your family, we welcome you to schedule a complimentary 30-minute consult. Those who do schedule a consult, will receive a copy of Annalee's book, The Invisible Patient: the Emotional, Financial, and Physical Toll on Family Caregivers, which is jam-packed with tips and tools, including scripts for family meetings, understanding dementia, understanding caregiver burnout, checklists for touring care communities and how to interview home care companies, and much more. Mention this podcast when you schedule your consult at www.CareRightInc.com or call Annalee directly at 239.770.6322 Let's connect: https://linktr.ee/jaeohcfp 🔥 Subscribe to Jae's Corner on Substack: https://bit.ly/3u8TR8s $$$ Join America's Cardroom and get a huge deposit bonus: https://bit.ly/3Plb9bz $$$ Free Prescription Discount Card: https://bit.ly/3vv2gpi $$$ 2nd Free Prescription Discount Card: https://bit.ly/3NWIBp8 Free Term Life Insurance Quote: https://bit.ly/37xaYJL Free Instant Short-Term Disability Quote: https://bit.ly/34O8EwY 📆 Your private appointment https://calendly.com/justjae/ Free Medicare Guidance: https://bit.ly/3OpfOtG 📖 Book website: http://www.maximizeyourmedicare.com 🐦Twitter: https://twitter.com/JaeOhCFP 🐦Twitter: https://twitter.com/MaxYourMedicare#personalfinance #finance #talk — Maximize Your Medicare by Jae Oh Link to Free Quoting Tool: bit.ly/3mkygqb email to info at gh2benefits.com

Women & Finance | My Interview With Kate Daniels, WARM106.9

Introduction:

• In this informative conversation, Kate Daniels welcomes Jae Oh, a certified financial planner and chartered financial consultant, to discuss the complexities of retirement, Medicare, and the role of women in managing these aspects within families.
• Jae Oh is the author of the best-selling book “Maximize Your Medicare,” which provides valuable insights and guidance on navigating the ever-shifting Medicare landscape.
• The discussion highlights the importance of early planning, especially for women who often shoulder the responsibility of caring for senior family members and face the challenges of deciphering the intricate world of Medicare.

Description:

In this engaging conversation, Kate Daniels sits down with Jae Oh, a renowned expert in retirement planning and Medicare. As the author of the best-selling book “Maximize Your Medicare,” Jae provides valuable insights into the ever-changing Medicare landscape and shares practical advice on navigating the complexities of this vital healthcare program. The discussion revolves around the role women play in managing Medicare and retirement planning within their families, emphasizing the need for early preparation and understanding.

Jae underscores the overwhelming responsibilities faced by women as caregivers for senior family members and highlights the importance of addressing healthcare cost planning well in advance. He stresses the significance of distinguishing between health insurance and healthcare, explaining that while Medicare serves as a solid foundation, additional considerations and choices need to be made. Jae also emphasizes the need for comprehensive financial planning, including protected lifetime income, to ensure a secure and fulfilling retirement.

With a commitment to educating and empowering everyday individuals, Jae offers practical resources and guidance through his book and website, “Maximize Your Medicare.” He encourages readers to proactively seek information and ask questions to make informed decisions. By understanding the intricacies of Medicare and healthcare cost planning, individuals can confidently shape their financial future and lead the lives they desire.

Guest: Robert Powell, CFP, Financial Journalism Legend

Summary Bullet Points: 1. Key takeaways from a retirement planning conference, emphasizing the importance of focusing on the process over the product. 2. Addressing the advice gap and the need for comprehensive financial guidance for individuals with limited retirement savings. 3. Highlighting the liability side of retirement planning, including healthcare cost planning, and the limitations of current technology in accommodating complex spending patterns. Introduction: In a recent conference, financial journalist Bob Powell and host Jae Oh, Education Fellow at the Alliance For Lifetime Income, provided valuable insights into retirement planning and the need for comprehensive financial advice. This article summarizes their discussion, highlighting key takeaways and addressing the challenges faced in the financial services industry. Process Over Product: One key theme discussed was the importance of focusing on the process rather than the product in retirement planning. The process of creating a tailored plan for each individual, considering their unique needs and circumstances, was emphasized as crucial. This approach allows financial advisors to provide clients with the perfect plan suited to their requirements, even though there may not be a universally perfect product. By encouraging the audience to understand the significance of the planning process, they can make informed decisions about their retirement. Addressing the Advice Gap: The conversation also delved into the issue of providing financial advice to individuals with fewer resources. While there is ample assistance available for those with substantial assets, the majority of Americans who have limited retirement savings often lack access to comprehensive guidance. This advice gap poses a significant challenge for the financial services industry, and the discussion called for solutions to bridge this gap. Exploring the role of technology and raising awareness about its limitations were among the proposed solutions. By encouraging viewers to like and subscribe to the channel, they can stay informed about potential solutions and developments in this area. Liability Side of Retirement Planning: The liability side of retirement planning, specifically healthcare cost planning, was highlighted as a critical aspect often overlooked. Evaluating costs and liabilities, just as one would with revenue and assets, is vital for comprehensive financial planning. Attendees acknowledged the importance of understanding expenses, including potential declines and increases, throughout retirement, highlighting the need for careful budgeting and personalized analysis. By subscribing to the channel, viewers can gain valuable insights into the liability side of retirement planning and ensure they are adequately prepared for potential healthcare costs in their retirement years. Technology and Complexity: The limitations of current technology in accommodating the nuances of spending in retirement were discussed. Although some platforms exist, they often fail to account for the real basis of spending, declining patterns, and rising healthcare expenses. The complexity involved in retirement spending necessitates a deeper understanding and personalized approach that technology struggles to provide. By staying connected with the channel, viewers can stay up to date with the latest developments in retirement planning technology and gain insights into how to navigate the complexities of retirement spending. Conclusion: The conference conversation shed light on the significance of the planning process, the need for tailored advice, and the challenges faced in retirement planning. Like and subscribe to our channel today!

Medicare Simply: Insider Updates, Book Revisions, and Expert Insights

#### Summary This video from Jae Oh, CFP, Author of Maximize Your Medicare, discusses various topics related to financial planning, Medicare, and healthcare costs. The host explores the capabilities of ChatGPT, provides updates on Medicare communication and book revisions, shares takeaways from an education conference, and highlights the importance of understanding one's health status. They discuss the implications of Medicare eligibility for married couples, the role of artificial intelligence in providing information and introducing concepts, and the significance of considering long-term care insurance. The video also touches on health savings accounts, the importance of a healthy lifestyle, and planning for out-of-pocket costs. The host emphasizes the need for personalized advice from financial advisors with expertise in healthcare costs and highlights the complexity and potential cost implications of mistakes in Medicare planning. Finally, they discuss upcoming changes in Medicare rules and the impact of marketing on consumer decision-making.

#### Highlights - ChatGPT capabilities and using artificial intelligence for financial information - Updates on Medicare communication and book revisions - Takeaways from an education conference on protected income and financial planning - Importance of understanding one's health status for healthcare cost planning - Medicare eligibility and considerations for married couples - The significance of long-term care insurance and its implications - Exploring health savings accounts and flexible spending accounts - The role of a healthy lifestyle in healthcare cost options - Planning for out-of-pocket costs and the complexities of insurance contracts - The value of consulting a financial advisor with expertise in healthcare costs - Upcoming changes in Medicare rules and the impact of marketing on consumer decisions CONNECT: 🔥 Subscribe to Jae's Corner on Substack: https://bit.ly/3u8TR8s 📆 Your private appointment https://calendly.com/justjae/ 📖 Book website: http://www.maximizeyourmedicare.com 🐦Twitter: https://twitter.com/JaeOhCFP 🐦Twitter: https://twitter.com/MaxYourMedicare#Medicare #MedicareExplained #MaximizeYourMedicare — Maximize Your Medicare by Jae Oh Not affiliated with any governmental agency. All insurance products sold through this site are processed through the licensed entity/agent: Jae Oh, NPN 15996497. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

How I'd Fix Medicare Advantage

Summary In this podcast, Jae Oh discusses the complexities of Medicare Advantage and the difficulty in controlling healthcare costs due to the entanglement of stakeholders in the US healthcare system. Highlights The largest voting block in the US is now Millennials, not Baby Boomers. The American Association of Millennials could change the pricing structure of health insurance. The CMS funds Medicare Advantage to control healthcare costs. Untangling stakeholders in the US healthcare system is difficult due to entanglements. I propose a simple solution to control healthcare costs resulting from Medicare Advantage. Insurers may have exploited Medicare for billions. Healthcare costs can be hidden behind diagnosis and actual cost.

Another Tense Weekend | What I'm Watching Let's see what AI thinks of the podcast.

Jae Oh discusses the serious and global ramifications of the current financial crisis, particularly with the potential failure of Credit Suisse, which could have cascading effects on other banks and investors. He also discusses the issue of mid-sized banks having risky and illiquid assets, such as commercial real estate, that they cannot accurately value or sell under stress. Mr. Oh also briefly mentions a Vanguard investment with a good return, but notes the increased volatility of interest rates.

Overall, Jae Oh provides technical yet accurate descriptions of the current financial situation and its potential impacts.

Silicon Valley Bank And You

In This Broadcast: 

• Introduction
• Silicon Valley Bank Fails: What Happened 
• How This Can Affect Your Everyday Life 
• How This Can Affect Your Financial Plan

Are Medicare Brokers Acting In Your Interest?

The Commonwealth Fund is Best In Class, that is indisputable.

Largely right, I provide further details. I said 'largely,' not completely.

Medigap Explained 2023 | Plans F, G & N

0:00 Introduction
2:05 Medigap coverage basics
4:15 Plan F and Plan G
7:45 Plan N
11:15 Plan N and out of pocket costs
15:04 Stress on the Medicare system
18:00 Plan G rate increases higher?
27:32 Plan N vs Medicare Advantage
29:00 Medicare Advantage

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I Gave ChatGPT Two Personal Finance Quizzes

I asked questions about:

• Active Indexing
• Medicare

I wasn't overly impressed. It's good for general ideas, but on the specific details were absent or wrong. This can create problems.

Hopefully, since it is AI, it will learn.

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Insurance Deadlines Are Here and Year-End Planning

I have told young people: time and money, these two should not be confused to be your friends. They aren't. You don't have enough when you need them the most. That's the issue.

In This Podcast:

• Health insurance & Medicare enrollment windows are closing rapidly
• Thank you to those that are looking after the seniors
• Year-end financial planning topics can affect your health insurance/Medicare premiums

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Annuities Demystified

Guest Suzanne Norman, Certified Investment Management Analyst® (CIMA®)

In this podcast:

• What Is An Annuity?
• Why Are Annuities So Confusing
• The Role Of An Advisor

Suzanne can be reached here: https://suzannenorman.com

What a great guest (there will be more from Suzanne soon)!

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Women's Role In Household Finance | Suzanne Norman, CIMA

Suzanne Norman,  (CIMA®) CIMA (Certified Investment Management Analyst®, has a wealth of professional experience in the male-dominated world of finance. Now, she has turned her energy into educating both enterprises and individuals. She brings her unique perspective as a woman who face the multi-layered challenges of women as they juggle work, the goals, and extended family responsibilities.

Suzanne can be reached here: https://suzannenorman.com

What a great guest (there will be more from Suzanne soon)!

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Special Edition |  My Interview With Jean Chatzky, Alliance For Lifetime Income  

Jean Chatzky is a high-profile, well-known author of many financial planning books. She is a very polished host, I was her guest on Facebook and LinkedIn.  My challenge is that we will always run out of time, I have to manage the narrative within the time restraints, and the audience.   So, I doubled-back and added comments.  

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Medicare AEP Begins and Thursday's Crazy Market Moves

Medicare's Annual Election Period begins October 15th.

Thursday, October 13th was one for the ages, a 5% market reversal. 

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The Case For Gold In Financial Planning | Be My Guest  

Stephen Flood is the CEO of Goldcore, and he advocates an allocation into gold. His comments, his rationale, are here. Jae's Corner is grateful for his appearance!

In This Podcast: 

• 0:00 Introduction 
• 5:00 What Is Going On In The UK??? 
• 15:00 The Case For Gold 
• 22:00 Uber-nerdy Talk About Financial Instruments 
• 40:00 Crypto-currency vs Gold

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Medicare Season Arrives

The mail will begin, en masse. Don't forget the Medicare ABC's live webinar on October 2nd, I will be able to look through plans online, in addition to the information-only session on Medicare Parts A & B, Prescription Drug benefits, Medicare Advantage, and Medigap.

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Medicare 2023 Preview

Medicare 2023 Preview | What's Next?  

My interview with radio guest host Art Lewis, WSGW. We don't have a script, he doesn't accept a "list" of questions of topics, I have to just roll with it.  The HUGE PLUS? Art is #1 when it comes to questions that everyday do (and should) ask. 

We discuss: 

1. Inflation Reduction Act 
2. Vaccination costs 
3. The upcoming Medicare Annual Election Period 
4. Medicare Webinar on Oct 2, 2022 (Paid newsletter subscribers)

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Inflation Reduction Act & Jackson Hole | Big Updates

Inflation Reduction Act | Who Won, and Why?  Medicare beneficiaries are the clear winners here. The details in this video. Even more powerful than the actual changes is the resulting stability to peoples' retirement plans.

(Reuters) - Federal Reserve Chair Jerome Powell will address the annual global central banking conference in Jackson Hole, Wyoming, on Aug. 26, a highly anticipated speech that could signal how high U.S. borrowing costs may go and how long they will need to stay there to bring down soaring inflation.  Powell, in what will be his fifth year speaking at the event, will talk about the economic outlook at 10 a.m EDT (1400 GMT), the U.S. central bank said on Thursday.  

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Half A Million New Jobs & CPI Data Is Next

Video Link to this Episode: https://youtu.be/I5yzE1I__4c

Topics: 

a. Democrats Agree Medicare 

b. Part D Premiums Lower in 2023 

c. Jobs Runnin' Hot: CPI Up Next  

Annuities: https://youtu.be/rpsiic6lP6A 

Life Insurance as Retirement Planning Tool: https://youtu.be/i7IyBD6xBkg

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Obamacare Subsidies Saved? 

The world changes, and you need to stay up to date. For now, this looks likely, but there are many steps to take. 

Even then, the question is how fast can this relief come into effect? That is up to the lawmakers and those that plan the design of Part D and MAPD plans. 

For the ACA, looks like an extension agreement has been reached. WHEW.  

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The Fed Delivers | What A Week, Now What?  

Not financial advice, dyor.
The Federal Reserve raised interest rates, but it's what the Chairman said that mattered.
Financial markets rose dramatically, but why?
The week that was (the remainder of the day is not for individuals). And a look forward.

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Wild Week Ahead | The Fed, GDP, & Earnings Reports  

In This Podcast: It is going to be a series of enormous events. 

• a. It's been a very difficult past 12 months:  Public pensions have reported terrible results 
• b. The Federal Reserve will meet 
• c. 1/3 of the S&P 500 will report Q2 earnings 
• d. Mr. Market has given some people a reprieve, will it last? Very, very unclear. I will present multiple angles

You can watch the video here: https://youtu.be/GDxOwaOPEH4

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Medicare Proposes Cuts To Doctors' Pay: Uh Oh

Pay Cut For Doctors  Medicare proposes a 4.4% pay cut to doctors. That, in the age of inflation, may (or may not) have ripple effects. We will see. Possible ripple effects are explained here. 

a. What is a Part B Excess Charge? 

b. How would this affect Medigap? 

c. Why a lot of the information regarding Plan N vs Plan G is incomplete, or unsupported by logic and facts.

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Medicare Beginner's Corner | My Interview On Nassau Community College Radio

Professor Jeanine Cook-Garard from the Nassau Community College Nursing Department discusses health issues concerning all of us.

I liked this interview because Dr Cook-Garard has experience in knowing that all health situations are not the same, and obviously has the ability to separate health care from health insurance.

Thanks to her, Nassau Community College, and WHPC 90.3

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Financial Markets Update And Financial Planning

Financial markets are off to a very difficult start, to put it mildly.

In This Podcast:

• How Market Prices Are Determined
• The Different Layers Involved in Financial Planning, and A Portfolio's Role
• Is It Too Late To Change?

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Medicare For Beginners | Where & How Do I Begin?  

In This Video: 

• What Medicare Is 
• Why Medicare Is Important 
• How Medicare Works 
• How Medicare Fits In Your Finances  

Thanks to LA Talk Radio for having me as a guest!

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Inflation, Housing, The Fed, and & Your Financial Plan At All Ages

Inflation Burns  I appeared on a broadcast, with Art Lewis, radio host of WSGW. He veered to my observations on the economy and inflation.   It would've taken HOURS to discuss. In this video, I interjected what "I could've said, if time constraints didn't exist."  Every age division, every financial situation will be affected. That should be obvious. To what degree? That remains to be seen.   

ALL OF THESE WILL BE AFFECTED: 

• Housing Market 
• Financial Markets 
• Financial Planning  

Better to be aware, and not be blindsided.  Ask you questions, leave your comments!  

Don't Forget! 

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#personalfinance #financialplanning #retirement—Jae's Corner by Jae Oh

Money Basics: Avoid Inaccurate Definitions and Narratives

Even Experts Make Big Money Mistakes | How To Avoid  

Poker isn't Roulette, there is heavy-duty estimation involved. For poker pros, it's second nature.  It was odd, to say the least, that a poker professional discarded (mucked) the logic he has used well over a million times, studied for years, and discussed ad nauseum.  

Reason I understood what Bill P could do? Because I use the same thought process in personal finance situations, 100% of the time. Estimation, costs, variance of outcomes, financial impact, when there is uncertainty involved. There is a framework, securities markets (I am a fixed income derivatives trader , originally) have existed to frame the cost, around the world.  

Landon T probably didn't realize that Bill P already understood, or maybe they did, and disregarded their thoughts in the interest of creating a spectacle (that worked). But, he and his team ultimately decided to resign. Correctly, is the only real, rational decision.   In personal finance, people make the same errors that the poker pro made, all the time. They have used their years of common sense to survive, and yet when the mystery of money is the topic, the rules they have learned? Poof, discarded, inexplicably.  Then again, the poker pro redeemed himself, after regaining his bearings, he adjusted to a new set of facts. So can you.  

Link to Landon Tice's comments on Solve 4 Why's Only Friends Podcast Ep 3: https://youtu.be/rPUnjn3j3Jw 

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#poker #pokervlog #personalfinance  —Jae's Corner by Jae Oh, CFP

Medicare Questions Answered | My Latest Interview  

Art Lewis WSGW radio show host, is an expert interviewer, I have appeared on his shows over two dozen times.  

But, whenever I appear in an interview, I always have ideas that I could've been better. 

So here, I divided the questions that Art asked. Then, I cut in, to comment on the question, and my answer, as given on live broadcast.   

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#MaximizeYourMedicare #medicareexplained #medicare -Maximize Your Medicare by Jae Oh

Medigap and You (2022)  

Medigap is popular, for good reason. 

1. Cost-sharing means that your out-of-pocket costs are limited after you satisfy paying the Part B deductible. 
2. The coverage must stay the same over time, the only party that can cancel is you. 
3. Any healthcare provider that accepts the federal Medicare card will accept your Medigap plan.  

Premiums can change, but: 

1. It is very difficult to find the accurate premiums across carriers.
2. People do not understand what drives premiums.
3. Medical Loss Ratio must be satisfied. 
4. Competition exists not only among Medigap carriers, but now, the improvements to Medicare Advantage have made put tremendous strain on Medigap carriers.  

It's easy and perhaps attractive to think that other narratives sound right, but...nah.  

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#Medicare #Retirement

— Maximize Your Medicare by Jae Oh

Moving? What You Need To Know   

It's not only the price of real estate which might be shocking. There's more, a lot more.  

Homeowners' Insurance
Auto Insurance
Health
Medicare
Your will / trust  

These are BIG items, and people aren't fully aware of the details. This can result in hidden costs, or hidden opportunities to save a lot of money.  

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#moving #personalfinance #money— Jae's Corner by Jae Oh

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March 31 Is An Important Medicare Date and Vanguard Lawsuit

You can: a. Cancel Medicare Advantage and return to Original Medicare (you'll need to be careful, especially now). b. Change Medicare Advantage plans (must be a current Medicare Advantage policyowner) c. Change Medicare Advantage plans and select enhanced benefits packages at the new plan.

Vanguard Lawsuit: What Happened? 

Link to CNBC article: https://www.cnbc.com/2022/03/15/vanguard-created-big-tax-bills-for-target-date-fund-investors-lawsuit-claims.html Actually, mutual funds, target-date retirement funds, robo-advisors, and certain ETFs can create unrecognized issues...until it's too late. Those issues can be larger than the benefit, depending on the situation. Yikes.

Short Term Disability Insurance | Is It Worth It? 

"Millennial Jae" would definitely look at this. The probability of this occurring is "relatively high." The benefits pay the soonest, at the time it is most likely needed. That BALANCE makes it worth the look.  While I don't suggest choosing this (or any financial contract without professional guidance, insuretech is moving forward on all fronts, full-steam ahead.  Individual short-term disability has been difficult to locate, but with technology and the competitiveness of the market, I would highly suspect that will change, quickly.  

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Individual Health Insurance | Interview With Josh Scandlen

My Interview on Josh Scandlen’s Channel   

We review the free quoting tool for individual health insurance.  Josh knows what to ask, and how.  

He’s like the Pied Piper, it’s very clear why. He has the energy and enthusiasm that will appeal to many. He’s almost an OG of the book, he and I share the idea that “we don’t care where the money or costs originate, we are trying to help people realize that it is the overall amount that matters.” So, Josh has correctly understood that controlling expenses is the same thing as maximizing ‘portfolio returns.’  

EVEN MORE  

\There is an explanation beyond YouTube, exclusively for paid subscribers: https://jaeoh.substack.com/p/paid-subscribers-medigap-plan-g-vs?r=a1v4y&utm_campaign=post&utm_medium=web&utm_source= 

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#MuchMoreThanMedicare