In Episode 12 of “Our 2 Cents On Your Dollar,” we take a deep dive into Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs), two key tools for managing healthcare costs and maximizing tax benefits. We explore how HSAs offer a triple tax advantage, long-term savings potential, and the flexibility to roll over funds, while FSAs provide a way to plan for short-term healthcare expenses. Our experts also discuss strategies for integrating these accounts into your overall financial plan, helping you make informed decisions on healthcare spending, tax planning, and savings growth. Whether you’re navigating rising medical costs or simply looking to optimize your healthcare strategy, this episode equips you with the knowledge to take full advantage of these health savings tools and ensure your financial well-being.

In Episode 11 of “Our 2 Cents On Your Dollar,” we sit down with Dr. Diane Milliken Garza, Executive Director of the Rio Grande Valley Philanthropic Foundation, to explore the powerful world of Donor-Advised Funds (DAFs). Dr. Garza brings her wealth of experience in philanthropy to help listeners understand how DAFs can be a strategic and impactful way to manage charitable giving. We dive into how DAFs work, their tax benefits, and how they empower donors to support causes they care about while maximizing their financial efficiency. Whether you’re an experienced philanthropist or just starting your giving journey, this episode offers valuable insights into how donor-advised funds can make your charitable dollars go further. Tune in for expert advice on making a lasting impact through thoughtful giving!

In Episode 10 of “Our 2 Cents On Your Dollar,” we take a comprehensive look at investment performance by breaking down rates of return and the different types of investment income. Our experts discuss how dividends, interest, and capital gains impact overall investment performance and explain the factors that influence returns over time. Whether you’re a seasoned investor or just getting started, this episode will equip you with the knowledge to evaluate your investments more effectively and make informed decisions for long-term financial growth. Tune in to learn how to measure success in your portfolio and optimize your financial outcomes.