{"id":3051,"date":"2021-01-21T18:03:01","date_gmt":"2021-01-21T22:03:01","guid":{"rendered":"https:\/\/rockonthemoney.com\/?post_type=podcast&#038;p=3051"},"modified":"2021-01-21T18:03:02","modified_gmt":"2021-01-21T22:03:02","slug":"ep105-our-take-on-extended-warranties-how-to-adjust-your-witholdings-where-to-open-an-ira","status":"publish","type":"podcast","link":"https:\/\/netcast.one\/rotm2\/podcast\/ep105-our-take-on-extended-warranties-how-to-adjust-your-witholdings-where-to-open-an-ira\/","title":{"rendered":"EP105 &#8211; Our take on extended warranties; How to adjust your witholdings; Where to open an IRA"},"content":{"rendered":"\n<p>We have a great lineup of your social media questions. We have received so many positive comments about these episodes. If you have a question for us please email to podcast@rocklandusa.com<\/p>\n\n\n\n<p><strong>QUESTION 1<\/strong><br>I need to open a Roth IRA. Any suggestions on who to use? What is your experience?<\/p>\n\n\n\n<p><strong>QUESTION 2<\/strong><br>Would you all suggest shopping at Sam\u2019s Club for groceries? I just moved out on my own and want to start out right. Any suggestions on how to eat cheaply would be much appreciated!<\/p>\n\n\n\n<p><strong>QUESTION 3<\/strong><br>If you adjusted your withholding using the new W4 calculator should you lean toward getting money back instead of owing the IRS?<\/p>\n\n\n\n<p><strong>QUESTION 4<\/strong> <br>What\u2019s your take on extended warranty on washing machines? We are looking at one for $698 and extended for 5 years is $129 and covers everything.\u00a0<\/p>\n\n\n\n<p><strong>QUESTION 5<\/strong> <br>Can both me and my wife have a Roth IRA so we each can contribute 7000? We both work. Thank you<\/p>\n\n\n\n<p><strong>QUESTION 6<\/strong><br>I plan on opening a (fully-funded) Roth IRA account with Vanguard this week. Any last words of advice would be greatly appreciated. Thank you!<\/p>\n\n\n\n<p id=\"block-36f1d00b-baa4-4c97-b773-448e8f03e233\">**This post may contain affiliate links, and we may be compensated if you make a purchase after clicking on the affiliate and\/or partner links.<\/p>\n\n\n\n<p id=\"block-76c2a8e8-61d3-49ba-9cb5-86f07adcd18d\"><strong>Sponsored by Choice Realty Connect :<\/strong><a href=\"https:\/\/choicerealtyconnect.com\/\"><strong> https:\/\/choicerealtyconnect.com\/<\/strong><\/a> when you are wanting to buy or sell a home, condo or any type of property. Trust Amanda to help match you with up to 3 top agents in your area.<\/p>\n\n\n\n<p id=\"block-052fa4bc-cc6e-4c95-8585-5721c3882ae9\"><strong>BESTOW &#8211; Fast, Free Quote on affordable online term life insurance. No exam, no waiting, no hassles: <\/strong><a href=\"https:\/\/tinyurl.com\/y79pywmw\"><strong>https:\/\/tinyurl.com\/y79pywmw<\/strong><\/a><\/p>\n\n\n\n<p id=\"block-21733ef7-d950-4793-818b-89ad051f344b\"><strong>WEBULL &#8211; Get 1 FREE stock valued up to $1,200 here<\/strong>: <a href=\"https:\/\/act.webull.com\/kol-us\/share.html?hl=en&amp;inviteCode=HvpbX35EsVmn\"><strong>https:\/\/act.webull.com\/kol-us\/share.html?hl=en&amp;inviteCode=HvpbX35EsVmn<\/strong><\/a><\/p>\n\n\n\n<p id=\"block-2cf981ba-5d26-4d8e-8af1-1bdeb6d11349\"><strong>Website: <\/strong><a href=\"https:\/\/netcast.one\/rotm2\/\"><strong>https:\/\/netcast.one\/rotm2\/<\/strong><\/a><br><strong>Subscribe to the podcast &#8211; all links located here: <\/strong><a href=\"https:\/\/linktr.ee\/rocklandusa\"><strong>https:\/\/linktr.ee\/rocklandusa<\/strong><\/a><br><strong>Call us with your questions : 989-888-ROCK (7625)<\/strong><br><strong>Facebook Group: <\/strong><a href=\"https:\/\/www.facebook.com\/groups\/your401k\/\"><strong>https:\/\/www.facebook.com\/groups\/your401k\/<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We have a great lineup of your social media questions. We have received so many positive comments about these episodes. If you have a question for us please email to podcast@rocklandusa.com QUESTION 1I need to open a Roth IRA. Any suggestions on who to use? What is your experience? QUESTION 2Would you all suggest shopping [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2794,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"episode_type":"audio","audio_file":"https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2021\/01\/ROTM-EP105.mp3","cover_image":"","cover_image_id":"","duration":"26:00","filesize":"25 MB","date_recorded":"21-01-2021","explicit":"","block":"","itunes_episode_number":"105","itunes_title":"Our take on extended warranties; How to adjust your witholdings; Where to open an IRA","itunes_season_number":"","itunes_episode_type":"full","filesize_raw":"26262910"},"tags":[374,375,168,373,372,371],"series":[234],"coauthors":[284],"episode_featured_image":"https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2020\/07\/ROTM-EP60-mp3-image.jpg","episode_player_image":"https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2020\/04\/album-rockonthemoney1410-10.jpg","download_link":"https:\/\/dts.podtrac.com\/redirect.mp3\/netcast.one\/rotm2\/podcast-download\/3051\/ep105-our-take-on-extended-warranties-how-to-adjust-your-witholdings-where-to-open-an-ira.mp3","player_link":"https:\/\/dts.podtrac.com\/redirect.mp3\/netcast.one\/rotm2\/podcast-player\/3051\/ep105-our-take-on-extended-warranties-how-to-adjust-your-witholdings-where-to-open-an-ira.mp3","audio_player":"<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-3051-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/dts.podtrac.com\/redirect.mp3\/netcast.one\/rotm2\/podcast-player\/3051\/ep105-our-take-on-extended-warranties-how-to-adjust-your-witholdings-where-to-open-an-ira.mp3?_=1\" \/><a href=\"https:\/\/dts.podtrac.com\/redirect.mp3\/netcast.one\/rotm2\/podcast-player\/3051\/ep105-our-take-on-extended-warranties-how-to-adjust-your-witholdings-where-to-open-an-ira.mp3\">https:\/\/dts.podtrac.com\/redirect.mp3\/netcast.one\/rotm2\/podcast-player\/3051\/ep105-our-take-on-extended-warranties-how-to-adjust-your-witholdings-where-to-open-an-ira.mp3<\/a><\/audio>","episode_data":{"playerMode":"dark","subscribeUrls":[],"rssFeedUrl":"https:\/\/netcast.one\/rotm2\/feed\/podcast\/rockonthemoney","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"lfoq69AkRo\"><a href=\"https:\/\/netcast.one\/rotm2\/podcast\/ep105-our-take-on-extended-warranties-how-to-adjust-your-witholdings-where-to-open-an-ira\/\">EP105 &#8211; Our take on extended warranties; How to adjust your witholdings; Where to open an IRA<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/netcast.one\/rotm2\/podcast\/ep105-our-take-on-extended-warranties-how-to-adjust-your-witholdings-where-to-open-an-ira\/embed\/#?secret=lfoq69AkRo\" width=\"500\" height=\"350\" title=\"&#8220;EP105 &#8211; Our take on extended warranties; How to adjust your witholdings; Where to open an IRA&#8221; &#8212; Rock on the Money\" data-secret=\"lfoq69AkRo\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n\/*! 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