Business
Coin Flip
Financial decisions for people who hate financial decisions.
Episodes
The archive
25 episodes, newest first.
- The 2027 401(k) Number Is Coming: The One Setting to Change Before JanuaryThe 2027 401(k) limit is projected, not official yet. Derek Wu turns it into one 10-minute task: divide by your pay periods, set the percentage, and check for a Roth option if the catch-up rule applies to you.
- The Fed Hiked. Here's the Savings Move That Works Either Way.The Fed raised rates in September and meets again October 28. Derek Wu skips the guessing game and gives one savings rule that works if the Fed holds or hikes: high-yield savings vs. a 12-month CD, a no-spreadsheet ladder, and what to do when a promo rate expires.
- I Bonds: Buy in October or Wait for November 1?Treasury resets the I bond fixed rate on November 1, and whatever it is gets locked in for the life of the bond. Derek Wu lays out the buy-now versus wait choice at a 0.90% fixed rate, then gives one simple filter for I bonds versus a high-yield savings account or CD.
- The Auto-Renew Trap: What Your ACA Plan Does If You Do NothingACA open enrollment starts November 1. Doing nothing can re-enroll you in a plan that costs more. Derek Wu explains auto-renewal, the December 15 deadline for January 1 coverage, and a 10-minute renewal-notice check.
Show moreShow less
- The Renewal Trap: What Medicare Open Enrollment Auto-Decides For YouMedicare's Oct 15–Dec 7 enrollment window quietly renews your plan if you do nothing. Derek Wu walks through the projected Part B premium jump, why Medicare Advantage plans may shrink for 2027, and the one filter for deciding whether to stay, switch, or cross between Original Medicare and Advantage.
- The October 14 COLA Number: What To Actually Do With ItSocial Security's 2027 cost-of-living adjustment lands October 14, with early estimates near 3.5%. Derek Wu cuts through the competing percentages and the Medicare premium catch to give one clear move for people already claiming and one for people still deciding when to start.
- HSA or FSA? The 2027 Numbers Just Changed the MathThe IRS already locked in 2027 HSA limits months before open enrollment even opens, while the FSA number everyone's quoting is still a guess. Derek Wu turns the gap into one simple filter for picking HDHP-plus-HSA or PPO-plus-FSA without a spreadsheet.
- You Picked a Plan. Now You're Stuck in the Queue.The SAVE exit deadline passed — but for borrowers who submitted RAP or IBR applications, the real fight is the backlog. Derek breaks down what's accruing while you wait, the 60-day rule nobody explained, and when it's time to escalate.
- The Fed's September 16 Verdict: Cut, Hold, or Something WeirderThe FOMC's September 15-16 meeting comes with a fresh dot plot and a new, less predictable Fed chair. Derek Wu unpacks why hike odds just jumped after Jackson Hole, what that means for CDs and high-yield savings, and how to decide without losing sleep over it.
- Your PSLF Count Just Dropped. Here's What To Do.The Education Department is clawing back Public Service Loan Forgiveness credit, and some borrowers watched years of progress vanish overnight. Derek Wu explains what's actually happening and the exact steps to protect your count.
Talent
Talents in this show
Each one has a profile of their own.
About
What the show is
We break down the choices that actually matter - and help you stop overthinking the rest. Hosted by financial planner Derek Wu, each episode cuts through the noise to give you clear, practical takes on money moves without the jargon or judgment.
More shows
Elsewhere in the directory
Every one of them is made with Mato.
