Welcome to Financially Lit — where financial literacy meets next-gen tech. Created by Sam Sith, entrepreneur and money educator, this podcast delivers smart, simple money talk through the power of AI.
Each episode breaks down wealth-building, insurance, and entrepreneurship in a way that’s easy to understand and hard to forget — no fluff, just facts with flair. Whether you’re leveling up your finances or just getting started, Financially Lit gives you the tools to take control.
Brought to you by Sam Sith. Delivered by AI. Built for your bag.
Lit Lesson 19 - SSDI vs. SSI – What’s the Difference?
Send us a text In this episode, we break down how to apply for Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) — straight from the Social Security Administration. Learn who qualifies, how to apply online, and why understanding the difference between SSDI and SSI matters, especially if you or someone you love is navigating a disability or limited income. Let’s simplify the system and empower your next steps.
18 Jul 2025
Lit Lesson 18 - The High Cost of Medicare Long-Term Care Myths
Send us a text Think Medicare covers long-term care? Think again. In this episode, we break down the biggest misconceptions around Medicare, Medicaid, and long-term care insurance. You'll learn why so many families are financially unprepared, what aging in place really requires, and how asset spend-down could derail your retirement plans. We’ll also talk about the hidden burden on caregivers and why long-term care insurance is often overlooked — even by people who think they’re covered.
16 Jul 2025
Lit Lesson 17 - Trump Accounts: $1,000 Baby Bonus
Send us a text In this episode, we break down the proposed "Trump Accounts"—a new tax-advantaged savings plan offering $1,000 to babies born between 2024–2028. Could this be the ultimate wealth-building tool for future generations... or just another budget buster? Tune in as we explore what it means for parents, business owners, and the national economy.
11 Jul 2025
Lit Lesson 16 - Long-Term Care—What’s the Real Solution?
Send us a text The LTC market is stretched thin—but there’s hope. In this episode, we break down why traditional long-term care insurance is losing traction, and why hybrid life insurance with LTC riders is gaining steam. We’ll touch on the NAIC’s latest findings, what’s happening at the state and federal level (like WA Cares and the WISH Act), and what all this means for families and future planning. If you’re in the financial field or planning for the future, this one’s a must-listen.
9 Jul 2025
Lit Lesson 15 - Integrating Insurance into Retirement Planning
This episode explores how Indexed Universal Life and Fixed Index Annuities offer tax-advantaged growth and income protection, enhancing retirement strategies.
4 Jul 2025
Lit Lesson 14 - 529 vs. Coverdell: Education Savings Choices
The host compares 529 plans and Coverdell ESAs, detailing contribution limits, tax benefits, and eligible expenses to help listeners choose the best education savings option.
The host discusses essential estate planning documents like powers of attorney, living wills, trusts, and beneficiary designations, explaining their importance for protecting assets and honoring wishes.
This episode reveals how the Income-Related Monthly Adjustment Amount impacts retirees, potentially costing them thousands due to this hidden healthcare tax.
25 Jun 2025
Lit Lesson 11 - Bridging the Gap: Maximizing Social Security with the Bridge Strategy
This episode explores the Social Security Bridge strategy, which uses cash value life insurance to maximize retirement benefits by strategically delaying collection.
20 Jun 2025
Lit Lesson 10 - Longevity: America's New Retirement Crisis?
This episode explores America's emerging retirement crisis, revealing how inadequate planning for increased longevity poses significant financial risks for individuals and challenges outdated retirement strategies.
18 Jun 2025
Lit Lesson 09 - Stealth Retirement Costs: Five Biggest Surprises
This episode reveals five unexpected retirement costs, including healthcare and inflation, and provides strategies to build a stealth budget for financial security.
13 Jun 2025
Lit Lesson 08 – Protecting Inheritance From In-Laws
This episode explores legal strategies, such as trusts, that parents can use to safeguard their child's inheritance from potential claims by in-laws, ensuring wealth preservation.
11 Jun 2025
Lit Lesson 07 – Annuity Laddering: How to Turn One Investment Into Lifelong Income
This episode explores annuity laddering as a retirement income strategy, breaking down timelines, product types, and interest rate protection to create long-term financial peace of mind.
6 Jun 2025
Lit Lesson 06 – Housing Help 101: Housing Assistance Programs
This episode explores housing assistance programs, revealing resources available for buying, maintaining, or repairing homes, beyond just first-time buyer incentives.
4 Jun 2025
Lit Lesson 05 – Social Security Overpayments
This episode analyzes Social Security overpayment rules, covering clawback limits, dispute processes, and scam avoidance, benefiting those dependent on Social Security.
28 May 2025
Lit Lesson 04 – Saving Your Future
This episode explores fundamental financial principles from "Saving Your Future," illuminating concepts such as the X-Curve and the role of life insurance in wealth creation.
23 May 2025
Lit Lesson 03 – Long Term Care
This episode explores long-term care insurance, particularly cash indemnity and linked-benefit life insurance policies, as crucial financial planning tools for high-net-worth individuals.
16 May 2025
Lit Lesson 02 – Optimize Your Social Security
This episode explores Social Security benefits, including retirement, disability, survivor, and family options, and how earnings and timing impact payouts, offering listeners a roadmap to smarter retirement planning.
14 May 2025
Lit Lesson 01 – Understanding Social Security
This episode explores Social Security, detailing its benefits, eligibility requirements based on work history, and the financial challenges it currently faces.
Podcast Authority Score: 27 / 100
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