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Artwork for Teach and Retire Rich

Teach and Retire Rich

Daniel Otter
403(b)
403B
Retirement Planning
Financial Planning
Equitable
Financial Literacy
Personal Finance
Vanguard
Social Security
403(b) Retirement Plan
457B
Retirement Savings
Equi-Vest
Medicare
Medicare Advantage
Financial Education
Roth IRA
403(b) Plans
Education
Retirement Plans

Teacher Daniel Otter, Ph.D. and Certified Financial Planner Scott Dauenhauer CFP® of 403bwise.org discuss teacher saving for retirement issues. Never too serious, Dan and Scott strive to make learning about pensions, the 403(b), the 457(b), and investing, fun and understandable.

PublishesWeeklyEpisodes395Founded20 years ago
Number of ListenersCategories
BusinessEducationInvesting

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Artwork for Teach and Retire Rich

Latest Episodes

Teacher and Baltimore Teachers Union member Nathan Ferrell walks us through how the stakeholders got it done. He also offers tips on how your district can do the same.

• Baltimore City Public School's Green-rated 403(b)/457(b) Plan

• How 403bwis... more

Dan and Scott share a model anti solicitation policy that school districts could use to ban sales agents from campuses.

• Downloadable Model Anti Sales Agent Solicitation Policy

• Podcast: California Tries to Ban 403(b) Sales Agents From Campus... more

High school science teacher and Buffalo Bills fan helps his colleagues get wise to saving for retirement.

457bwiser.org

• Learned by Being Burned (short pod series about K-12 403(b) issues)

403bwise.org

• Meridian Wealth Management

• 403b... more

YouTube

New Jersey high school business and personal finance teacher and super 403(b)/457(b) advocate, Chris Nye, moves from high school to elementary school.

457bwiser.org

• Learned by Being Burned (short pod series about K-12 403(b) issues)

• 403bwi... more

YouTube

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Recent Guests

Omer Bittar
High school science teacher
Lackawanna School District
Episode: Saving for Retirement Makes a Western New York Teacher Want to Shout! (#431)
Chris Nye
New Jersey teacher and administrator, 403B advocate
Learn by Being Burned / 403bwise.org
Episode: Chris Nye Makes Big Career Move #430
Matt Raleigh
Bay Area High School History Teacher and Financial Educator
Episode: 10 Summer Financial Moves (#427)
Eric Simonson
CEO of the Advice Only Network
Advice Only Network
Episode: The Advice Only Network (#426)
Greg Ford
Teacher and 403B Advocate
Pleasant Valley High School, Chico; 403B Super Advocate
Episode: California Tries to Ban Sales Agents from Campuses (#425)
Karen DeLong
Professor of Agricultural and Resource Economics at University of Tennessee
University of Tennessee
Episode: Farms, Futures and Fin Lit (#423)
Steve Schullo
Godfather of 403B reform; EV enthusiast
Unspecified nonprofit/advocate; 403B reform advocate
Episode: High Gas Prices Don't Bother These Guys (#420)
Karl Fisch
Author and educator; EV advocate
Author, educator; 403B retirement discussions
Episode: High Gas Prices Don't Bother These Guys (#420)
Robert Spuru
Third-year high school teacher teaching personal finance
Chico Unified / Chico High School
Episode: California Fin Lit Teacher (#417)

Hosts

Daniel Otter
Host of the show; educator and financial educator with Bay Area ties; co-host of long-running retirement-focused conversations.
Scott Dauenhauer
Co-host; Certified Financial Planner; educator-focused retirement planning expert with ties to 403bwise.org and fiduciary guidance.

Reviews

4.7 out of 5 stars from 137 ratings
  • The Best!

    Dan and Scott are incredible! If you’re looking for a podcast that helps you to understand investing, ways to maximize your savings and retirement goals, along with some great jokes here and there, than this is a great podcast to listen to!

    I’ve learned A LOT from listening to “Teach & Retire Rich” now for over a year and it’s allowed me to share the information with other teachers, colleagues, and friends. Keep up the amazing work y’all!

    Apple Podcasts
    5
    Calm Radio Member
    United States2 months ago
  • bWise

    Excellent work teaching personal finance through both podcasts and informative articles (bWise alerts) emails. I enjoy listening and learning. I can't than you enough!!!

    Apple Podcasts
    5
    Teachstars
    United States2 years ago
  • Super helpful

    I couldn't be more happy to have found this podcast! These guys are so helpful and they have a heart for educators. Share with your staff!

    Apple Podcasts
    5
    hdhxgxhhd
    United States2 years ago
  • Daily listener

    At a Florida Teacher I discovered this podcast a few months ago. Now I listen to it everyday trying to soak all the information in! I recommend to all!

    Apple Podcasts
    5
    FL teacher educator
    United States2 years ago
  • You are changing lives

    Yesterday, started with a light up school cart being rolled by my classroom as my students entered that had coffee, store brand mini muffins and a pitch from Equitable. Because of you guys I was able to help a new teacher realize it wasn’t in her best interest and back it with data. She’s canceling the meeting scheduled with them that she thought was endorsed by our school district. A sincere thank you from a two time teacher of the year recipient and single parent who loves helping kids with sp... more

    Apple Podcasts
    5
    .Always.learnig.
    United States2 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Listeners praise accessible, actionable advice and honest discussion of 403b pitfalls.
Guest experts consistently bring real-world experience that educators can apply.
The show is highly regarded for its commitment to unbiased financial education for teachers.
The hosts deliver clear, practical retirement guidance for educators.

Talking Points

Recent interactions between the hosts and their guests.

Your Questions. Scott's Answers. June 2026. (#429)
Q: If I retire next year at 65, should I keep money in the 403b or move to an IRA, and how do fees influence that decision?
Likely move to an IRA to simplify management and conversions; be mindful of rollover costs, ongoing fees at the current plan, and the availability of low-cost options at Vanguard or Fidelity; the goal is lower ongoing costs and easier Roth conversions.
Your Questions. Scott's Answers. June 2026. (#429)
Q: What are the practical considerations when choosing between staying in a 403b, rolling to an IRA, or using another provider like Vanguard or Aspire?
Consider fees, ease of Roth conversions, and whether the employer's admin process is a bottleneck; rolling to an IRA typically simplifies conversions and reduces administrative overhead, while fees at the new provider should be compared to current costs.
Your Questions. Scott's Answers. June 2026. (#429)
Q: Can you access Roth money from a Roth 403b if you roll it over to a Roth IRA, and how does that affect penalties and taxes?
Rolling to a Roth IRA makes it easier to take contributions out tax- and penalty-free, while earnings are subject to taxes or penalties depending on age and five-year rule; the proportionality rule in Roth 403b means withdrawals after rollover can come from contributions first, avoiding penalties on contributions.
Your Questions. Scott's Answers. June 2026. (#429)
Q: I am many years out from retiring and I currently have a Roth 403b. If I retire at 56, is there a penalty for withdrawing before 59.5?
Yes, for Roth 403b funds, withdrawals before 59.5 are not automatically penalty-free unless they meet the rule of 55 specific to the employer-sponsored plan and separation from service; otherwise, earnings may be taxed as ordinary income and penalties could apply.
Chris Nye Makes Big Career Move #430
Q: What kind of feedback have you gotten from the new role?
Overall positive feedback, with staff expressing that Nye can “hang” and will help out—reinforcing trust and acceptance as he builds relationships in the elementary setting.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

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Gender Skew
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Frequently Asked Questions About Teach and Retire Rich

What is Teach and Retire Rich about and what kind of topics does it cover?

Two hosts discuss retirement planning for educators, focusing on 403(b) and 457(b) options, district and vendor dynamics, fiduciary standards, and practical steps teachers can take to improve long-term financial outcomes. Episodes mix actionable guidance, policy or legislative context, and real-world anecdotes from schools and unions, with a strong emphasis on low-cost investing, transparent fee structures, and advocacy for unbiased financial education. Noteworthy angles include consolidation of retirement plans, the rise of advice-only models, and hands-on guidance for educators navigating open enrollment, vendor comparisons, and state-specific programs. The show tends to blend practical finance tactics with candid commentary on the system... more

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Which podcasts are similar to Teach and Retire Rich?

These podcasts share a similar audience with Teach and Retire Rich:

1. Financially Independent Teachers
2. ChooseFI | Financial Independence Podcast
3. Catching Up to FI
4. BiggerPockets Money Podcast
5. Jill on Money with Jill Schlesinger

How many episodes of Teach and Retire Rich are there?

Teach and Retire Rich launched 20 years ago and published 395 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Teach and Retire Rich?

Recent guests on Teach and Retire Rich include:

1. Omer Bittar
2. Chris Nye
3. Matt Raleigh
4. Eric Simonson
5. Greg Ford
6. Karen DeLong
7. Steve Schullo
8. Karl Fisch

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