Cheryl Winokur-Munk

speaker
1,406 appearances 26 recordings 2 series first heard Apr 2019 last heard Jun 2025

Cheryl Winokur-Munk’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · How to Avoid Higher Taxes After the Death of a Spouse · 5 Mar 2024 podcast
So when you're in your 50s and early 60s, you should be sitting down with a tax advisor and talking about some of the strategies to help you mitigate taxes now and later in life as you get older, especially as you're starting to think ahead where you're going to have these required minimum distributions. voice-verified
It's very important to understand voice-verified
the effects that taxes can have on your overall picture. voice-verified
So it's really important. voice-verified
To the extent that you can plan ahead, it's really a good thing. voice-verified
WSJ Your Money Briefing · Repayment Options for Student-Loan Borrowers · 8 Feb 2024 podcast
People had been anticipating that payments would restart, but the government also wanted to give them an opportunity that if they were still struggling to pay back their loans, they wouldn't all of a sudden be declared delinquent or reported to credit rating firms or placed in default, etc. voice-verified
Yes, actually, there are several plans called income-driven repayment plans that help borrowers repay their loans based on their income and family size. voice-verified
There's a new plan, which is what you're referring to, and that's called the SAVE plan, and that has several advantages over the other plans if you qualify. voice-verified
Okay. voice-verified
Many borrowers will be able to use the SAVE plan. voice-verified
And for those who do, they'll see many benefits. voice-verified
The best thing to do really is to go to studentaid.gov and use the student loan simulator to simulate your payments and to see which plan you'd be better off on. voice-verified
It's hard to say exactly who would be better off on what plan. voice-verified
It really is going to depend on your income level and family size. voice-verified
But the federal government has an amazing simulator program that allows you to do it with real numbers. voice-verified
So it's a little more complicated, but they also can go onto the simulator and see which repayment plans may be better for them. voice-verified
There is an income-driven repayment plan for them, and there is a way to be able to use SAVE, but there's a special process that people with Parent PLUS loans have to go through. voice-verified
That process is known as double consolidation. voice-verified
And that option won't be available after July 1st, 2025. voice-verified
But you can do it. voice-verified
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