2-13-26 529 Leftovers, Retirement First, & the Real Cost of Cars
2026-02-13
What happens when the “perfect” plan doesn’t happen—your kid skips college, your retirement clock is ticking, and the family budget gets ambushed by costs you never saw coming?
Jon Penn and Jonathan McCarty connect three real-world money stress points that are showing up everywhere right now:
1) The kid isn’t going to college—now what about that 529?
2) Retirement vs. college: the household tug-of-war
3) Hidden car ownership costs: the budget killer after the dealership
0:00 – INTRO
0:21 – Market Futures & Precious Metals
2:33 – Rising Costs of automobiles & maintenance
5:27 – Rising Cost of Auto Insurance
10:45 – Kids’ First Cars & Replacements
15:14 – What Happens to 529 Plans Leftover?
22:11 – The Increased Cost of Education
26:39 – Construction Technology
28:26 – Rolling 529 Funds
The Value Rotation Illusion
2026-02-11
“Value is back in vogue”, the media claim. Investors are rushing out of the high-flying mega-cap tech stocks and into the boring staples, utilities, and healthcare stocks. Given the huge outperformance of value stocks versus growth stocks, it appears investors are going all in on the value rotation. What some of these investors don’t know …
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