Q&A: $4M Invested in a Single Stock, 529 Account Loopholes, & Dividing Expenses When Married

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Mar 6, 2025

Dive into the dynamic world of investing! Explore strategies for managing large investments and the exciting developments in cryptocurrency, especially Bitcoin. Learn the crucial balance between financial planning and personal life choices. Discover how to navigate financial responsibilities in marriage, especially with income gaps, while fostering unity through open discussions. The conversation also touches on the importance of diversification to protect against risks, and the need for strategic tax planning for long-term growth and security.

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ADVICE

Crypto Allocation

Allocate 1-5% of your portfolio to cryptocurrency, especially Bitcoin.
Consider this a sign to invest if you haven't already.

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ADVICE

Bitcoin Investment Methods

Buy Bitcoin directly or through ETFs like iBit.
Direct ownership avoids fees, but ETFs offer convenience.

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ADVICE

Joint Finances in Marriage

Combine finances and create a joint budget with your spouse.
Open communication about finances strengthens relationships.

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Bullish Developments in Cryptocurrency and Investment Strategies

01:56 • 2min

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Exploring Cryptocurrency Investment Opportunities and Strategies

03:51 • 2min

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Navigating Cryptocurrency and Debt Management

06:08 • 20min

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Navigating Financial Choices

26:30 • 5min

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Investing in Quality and Diversification

31:49 • 14min

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Navigating Financial Equity in Marriage

46:05 • 5min

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Financial Harmony in Marriage

51:07 • 13min

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In this week’s episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

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Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 3/6/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Fee Schedule⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://public.com/disclosures/bond-account⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to learn more.

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