Scott Fox 🅾️🙌🏈🅾️

[Scott Fox 🅾️🙌🏈🅾️ @buckeyefox2002]

👊🏻 ⛳️

[BGSU Men's Golf @BGSUMGolf]

𝓢𝓲𝓰𝓷𝓮𝓭✍️

🤝 Welcome to the Falcon Family, Brady!

#AyZiggy 🟠🟤

[Adam King @AdamKing10TV]

The unsung hero of The Memorial Tournment will be Chad Mark and the ground crew.

There is a tv tower down on 10 and limbs all over the course.

I have no doubt tomorrow Jack’s Course will look perfect though as the finish the 3rd round and 4th Round

[Scott Fox 🅾️🙌🏈🅾️ @buckeyefox2002]

Legend

[mikeb 🇺🇸 🫡⚓ @mikeb1257]

What an amazing commencement speech by Eric Church at UNC. Powerful and insightful words. 🙏❤️

[Scott Fox 🅾️🙌🏈🅾️ @buckeyefox2002]

@Mike_kim714 @Titleist Good luck at Harbor Town this week! Love your updates.

[Jerry Brewer @JerryBrewer]

Y'all I'm so grateful for the nice words and even the dissenting opinions related to my work at the women's Final 4 and the Geno-Dawn spot.

But I really, really want you to read this one. Put a lot of heart into it.

https://t.co/biOLw0zZR5

[Scott Fox 🅾️🙌🏈🅾️ @buckeyefox2002]

@KieferMedia Coach Boals is a good coach. Follow his guidance in a reset and NIL

[Scott Fox 🅾️🙌🏈🅾️ @buckeyefox2002]

@cincyb3tta @RealCecilChoate Curious on your thoughts

[Food City Center @FoodCityCenter]

In case you missed it, we converted @ericchurch into a Vol fan last night. 🍊🤍

We love you Chief!

[Scott Fox 🅾️🙌🏈🅾️ @buckeyefox2002]

@preaves_15 @AEMA_74 Congratulations PC

[J.P. Hovey @jhovey34]

This will go down as the most heart wrenching clip of the year.

Johnny Gaudreau gets to look down from heaven and see his kids celebrate a gold medal w/ Team USA and his parents soak it in from the stands.

That hockey brotherhood is special 🙏🏼

[James Pleickhardt @JamesPleickhar2]

My Favorite part of the All American halftime show was when Kid Rock was introduced as himself, Robert Ritchie and sang, “Til ya Can’t” in his own style!

Great show by TPUSA @TPUSA 🙌

[Danny Deraney @DannyDeraney]

Greatest sports commercial ever, 47 years later. #SuperBowlLX

[Ari Meirov @MySportsUpdate]

New #Browns HC Todd Monken with a great message:

"I think you have to hold the players accountable for what they say their dreams and aspirations are. ... And all you’re doing is holding them to their goals and aspirations, like people did for me. I am who I am because my parents did that for me. They didn’t do that to me — they did that for me. ... I think everybody likes honesty until they don’t like what’s said to them honestly. And I’m the same way — I’m no different. I like being stroked in a good way. I don’t like the other side of it. But that’s how I’ve gotten a lot better. And the people that love you the most, they’re going to be honest with you."

[Scott Fox 🅾️🙌🏈🅾️ @buckeyefox2002]

@jennyrozelle Thank you!!

[LaughBreak: Dad Jokes ‘N More @MediocreJoker85]

A man walks into a bank in Manhattan and asks to speak with the loan officer. The officer comes out right away and asks, “How can I help you, sir?”

The man explains, “I’m going out of town on business for two weeks and I need to borrow $5,000.”

The loan officer nods and replies that the bank will need some form of collateral for the loan. Without hesitation, the man holds out his hand, drops a set of car keys into the officer’s palm, and says, “Those are the keys to my car parked out front.” He then hands over a small stack of paperwork and adds, “And here are the documents.”

Curious, the loan officer glances out the window and sees a brand-new Ferrari parallel parked directly in front of the bank.

He tells the man, “One moment, please,” and disappears into a back office to consult with the bank president. After confirming everything checks out, the two share a laugh about someone leaving a $750,000 Ferrari as collateral for a $5,000 loan.

The loan officer returns and tells the man that the bank will happily accept the Ferrari as security. An employee promptly drives the car into the bank’s underground garage and parks it safely.

Two weeks later, the man returns, pays back the $5,000 plus interest — a total of $15.41 — and prepares to leave. Smiling, the loan officer says, “Sir, we’re very happy to have your business. Everything worked out perfectly.”

Then he adds, “But I have to admit, we’re a little puzzled. While you were away, we looked into your background and discovered that you’re a multi-millionaire. Why would someone like you bother borrowing $5,000?”

The man replies, “Show me another place in Manhattan that’ll park a Ferrari for two weeks for fifteen bucks.”

[Scott Fox 🅾️🙌🏈🅾️ @buckeyefox2002]

@jennyrozelle @LegalTeaPodcast Great article in The Athletic today regarding Jim Irsays collection.

[Kurt Supe, CPA & Retirement Planner @KurtSupeCPA]

Michelle came in to talk about selling her dental practice.

57 years old. $2.8M in retirement accounts. Completely burned out.

She had it all figured out - live off her $340K brokerage account for a couple years, then start pulling from her IRA when she hits 59½.

Pretty standard plan.

I pulled up her numbers and something jumped out immediately.

At $125K/year in spending, that brokerage account runs dry before she can touch her IRA without penalties.

Not by much, but enough to be a problem.
But honestly? That wasn't even the main issue.

Her real problem is hiding in her $2.8M IRA.

That money's going to grow for another 16 years before required distributions kick in. By then she's looking at forced withdrawals around $170K per year.

Add in Social Security and she's over $200K in taxable income every year.

Which puts her in a way higher tax bracket than she needs to be in.

I showed her a different approach.

Right now, her income is about to drop to basically nothing. For the first time since her twenties.

That's actually valuable.

We can convert portions of her IRA to Roth over the next few years while she's in the 12% bracket. Pay a little tax now instead of a lot later.

Plus there's this thing called the Rule of 55 - since she's leaving her job after 55, she can actually access her 401(k) now without the penalty.

Which means her brokerage account doesn't have to do all the heavy lifting.

She wasn't jumping up and down excited, but she got it.
The difference in lifetime taxes? Around $600K.

Most people who retire early just wing it on the tax stuff.
Then they hit 73 and wonder why they're paying so much to the IRS.

The move is to use those low-income early retirement years wisely.

They don't come around twice.

[Scott Fox 🅾️🙌🏈🅾️ @buckeyefox2002]

@jennyrozelle Thanks Jenny! Great insight!

[Scott Fox 🅾️🙌🏈🅾️ @buckeyefox2002]

@money_cruncher Checklist

[Scott Fox 🅾️🙌🏈🅾️ @buckeyefox2002]

@jennyrozelle IRAs and Roth IRAs. Deciding between listing beneficiaries or a trust as a beneficiary - reasons for each.