Want help making your cash actually work for you? Schedule a complimentary consultation to tailor a plan that fits your unique financial landscape: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call“Don’t let inflation silently erode your savings—build a tax-smart plan so your cash isn’t just sitting there losing value.”💌 Sign up for my free weekly email newsletter: https://cdfinancial.org/media/#newsletter⚙️ MY FREE WEBINARShttps://cdfinancial.org/attend-an-event/Connect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc👋 WHO AM I?My name is Charles Dzama, and I help federal employees and retirees navigate complex benefits decisions to build the retirement they deserve. On this channel, you’ll find guidance on pensions, TSP strategies, healthcare options, and practical steps to create financial confidence in retirement.⌚️ Timestamps0:00 – Intro: Why too much cash is a silent threat2:40 – How inflation erodes bank savings5:30 – Taxes hitting your interest hard6:30 – Why people default to cash (fear & simplicity)8:12 – Real goals: growth, emergencies, big purchases10:29 – Rental real estate: pros, pitfalls & pitfalls11:50 – Tax-deferral strategies: stocks, ETFs, Roth14:38 – Risk & reward: property vs. index funds16:15 – Power of Roth contributions at any age18:48 – Other tax-smart options: annuities, LTC19:39 – Designing a plan: purpose-driven saving21:02 – Health tip: "Be boring"—consistency wins23:52 – Wrap-up: move cash into smarter vehiclesHealth Tip: Be boring. Consistency—even in finance—quietly wins the long game.Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show

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