Austin Hankwitz

speaker

12,507 appearances 37 recordings 1 series first heard Jun 2026 last heard 2d ago

Austin Hankwitz’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 37 in all, peaking in Aug 2026 with 13.

Appearances

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Rich Habits Podcast · 188: Q4 Stock Market Check-In w/ NEOS Funds · 21 Sep 2026 podcast

The streaming platform is not setting aside money for taxes for you. podcast-host

So when you file taxes next year and you owe $65,000 to the IRS, like make sure you have that $65,000 in a savings account. podcast-host

Do your quarterlies, right? podcast-host

Do a quarterly tax estimate. podcast-host

You know, give the IRS $20,000, $30,000. podcast-host

And say, here you go, right? podcast-host

Because the last thing you want to do is owe IRS money. podcast-host

You never want to owe them money. podcast-host

So the next piece of you know, this I want to dig into is yeah, that 10% interest, it's it's it's high interest, right? podcast-host

I mean, I would argue that that's high interest. podcast-host

So here's the thing if you can go back and refinance your student loans, do that. podcast-host

If you can get them down to five, six, seven percent, that changes this entire equation because you podcast-host

Can keep around a five and a half, six and a half percent student loan much longer than you can keep around a 10% student loan. podcast-host

And the reason I say that is because you know, year to date, the S P 500 is up 10.5%, but inflation right now is running at about 3.5%. podcast-host

And so that means a real return of 7% right now is the S P 500. podcast-host

And so what I'm trying to get at is 7% over here for money is invested, 10% interest. podcast-host

You're being charged to pay off your student loans, can't outinvest high interest debt, right? podcast-host

You got to figure that out. podcast-host

So if you can't refinance these student loans at a five and a half, six and a half percent interest rate, then yeah, it's one of those things where listen, beef up that emergency fund, max out that Roth IRA, continue to max out that Roth IRA, continue to keep that emergency fund beefed up, but everything else, pay off those student loans. podcast-host

I mean, if you made a quarter million dollars this year, you might. podcast-host

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