168. Why Your Retirement Plan Sucks

from Investing Unscripted Hosted by Jason Hall and Jeff Santoro

Jason and Jeff welcome Dan Otter from 403bwise.org to discuss the difficulties educators face with 403(b) retirement plans, how to advocate for better options, and strategies for navigating and improving these retirement plans. 02:27 Dan Otter's Origin Story 05:35 The Problem with 403(b) Plans 15:26 The Importance of Fiduciary Standards 21:41 Understanding Expense Ratios in Index Funds 22:07 Hiring a Fee-Only Financial Advisor 22:53 The Impact of Fees on Long-Term Savings 24:21 Advocating for Better Retirement Plan Options 25:48 Empathy for School Districts and Their Challenges 29:06 The Importance of Offering Low-Cost Retirement Plans 30:25 Building an Army to Advocate for Better Options 33:23 The Benefits of a Roth IRA for Educators 35:38 Navigating Bad 403(b) Plans and Finding Solutions ***************************************** Check out Dan’s work at https://403bwise.org Subscribe to the Teach and Retire Rich podcast wherever you get podcasts ***************************************** Join our Patreon Subscribe to our portfolio on Savvy Trader ***************************************** Email: [email protected] Twitter: @InvestingPod Check out our YouTube channel for more content: ****************************************** To get 15% off any paid plan at fiscal.ai, visit https://fiscal.ai/unscripted ****************************************** Listen to the Chit Chat Stocks Podcast for discussions on stocks, financial markets, super investors, and more. Follow the show on Spotify, Apple Podcasts, or YouTube ****************************************** 2025 Portfolio Contest 2024 Portfolio Contest 2023 Portfolio Contest

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168. Why Your Retirement Plan Sucks

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How long is this episode of Investing Unscripted?

This episode is 46 minutes long.

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This episode was published on August 27, 2025.

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