What is a Roth IRA, and How can you use a Roth to build wealth?

On this episode of Through The Pines, we’ll discuss all things Roth IRA’s, including…

• • Roth vs. Traditional IRA’s
  • What is a Backdoor Roth Contribution?
  • When can you do Roth Conversions?
  • What is a MEGA-Backdoor Roth?
  • Does your 401K Allow Roth’s?
  • 3 Money Types in a Roth IRA
  • What is the 5 Year Rule?

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while Rollerblading the Newport Beach Boardwalk, this is Through the Pines.

Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com

2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah -

Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -

Receivers of the Ameriprise Client Experience Award -

Financial Advisors: Baxter, Smith & Associates

Contact: rex.m.baxter@ampf.com

Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates

Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2

__________________________________________________________________________

This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah.

***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia

WATCH & SUBSCRIBE to us on YouTube @throughthepines

LIKE our Facebook Page: https://www.facebook.com/pinespodcast

Follow our Instagram: https://www.instagram.com/pines_podcast/

Through the Pines - Reminding you to use Yesterday’s Dollars to Finance Tomorrow’s Dreams.

****

This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.

Through the Pines Podcast Copyright, The Banyan Collective - 2025

Rats on Van Sessions!

Sponsor the program: https://t.ly/KsrVL

Van Sessions is Recorded at The Monarch in Ogden, Utah.

ARTIST | Rats, an Imagine Music Rock Academy Band

FULL SET LIST

Song 1 - Mr. Brightside, The Killers COVER

Song 2 - Paranoid, Black Sabbath COVER

Song 3 - Adam’s Song, blink-182 COVER

Song 4 - Square Hammer, Ghost COVER

ARTIST LINKS

Imagine Music: http://www.imaginemusicogden.com/

PRESENTING SPONSORS

The Monarch Building: https://themonarchogden.com/

Lucky Slice Pizza: https://www.theluckyslice.com/

GRANTING SPONSOR

Ogden City Arts: https://ogdencity.com/707/Arts

CREDITS

Producer / Host: R. Brandon Long, The Banyan Collective

Bookings: Todd Oberndorfer, todd@thebanyancollective.com

Audio Mix: Scott Rogers, The Proper Way https://theproperwayband.com/studio

DOP: Dixon Stoddard, https://www.instagram.com/studios_d21/

Photography: Avery Atkinson: https://www.instagram.com/avery_atkinson_/

FOLLOW // SUBSCRIBE

Van Sessions Instagram: https://www.instagram.com/vansessions/

Van Sessions Facebook: https://www.facebook.com/thevansessions

Van Sessions YouTube: https://www.youtube.com/@vansessionspod

Tip Jar: https://www.buymeacoffee.com/banyanmedia

The drive behind Van Sessions is to create a music discovery community for Northern Utah musicians to share their work, refine their craft, and network with other artists.

Van Sessions helps support local musicians, photographers, and videographers through our project. Show your support for local artists by subscribing to Van Sessions on YouTube @vansessionspod or search "Van Sessions Podcast" on your favorite podcast platform.

Join us live at the Monarch in Ogden every First Friday to be a part of the free concert and video podcast recording.

Bookings: todd@thebanyancollective.com

YUDI on Van Sessions!

Sponsor the program: https://t.ly/KsrVL

Van Sessions is Recorded at The Monarch in Ogden, Utah.

ARTIST | YUDI

FULL SET LIST

Song 1 - Sunflower Garden

Song 2 - Cam

Song 3 - Tumbleweed

Song 4 - I Like What I Like

Song 5 - Moon Eyes

ARTIST LINKS

YUDI: https://linktr.ee/yudikomusic

PRESENTING SPONSORS

The Monarch Building: https://themonarchogden.com/

Lucky Slice Pizza: https://www.theluckyslice.com/

GRANTING SPONSOR

Ogden City Arts: https://ogdencity.com/707/Arts

CREDITS

Producer / Host: R. Brandon Long, The Banyan Collective

Bookings: Todd Oberndorfer, todd@thebanyancollective.com

Audio Mix: Scott Rogers, The Proper Way https://theproperwayband.com/studio

DOP: Dixon Stoddard, https://www.instagram.com/studios_d21/

Photography: Avery Atkinson: https://www.instagram.com/avery_atkinson_/

FOLLOW // SUBSCRIBE

Van Sessions Instagram: https://www.instagram.com/vansessions/

Van Sessions Facebook: https://www.facebook.com/thevansessions

Van Sessions YouTube: https://www.youtube.com/@vansessionspod

Tip Jar: https://www.buymeacoffee.com/banyanmedia

The drive behind Van Sessions is to create a music discovery community for Northern Utah musicians to share their work, refine their craft, and network with other artists.

Van Sessions helps support local musicians, photographers, and videographers through our project. Show your support for local artists by subscribing to Van Sessions on YouTube @vansessionspod or search "Van Sessions Podcast" on your favorite podcast platform.

Join us live at the Monarch in Ogden every First Friday to be a part of the free concert and video podcast recording.

Bookings: todd@thebanyancollective.com

On today’s episode of Through the Pines we’ll explore the complexities of debt including:

What is debt & why it’s not always evil

Using debt as a tool for growth

Defining the debt that drags you down

Recognizing when debt becomes a crisis

Understanding the psychology of debt

Looking at debt in 2025

Escaping the debt trap

Prevention

Expert insights

Debt Game Plan

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while mastering his pickleball serve, this is Through the Pines.

Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com

2023 & 2024 Forbes Best in State Wealth Management Teams For Utah -

Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -

Receivers of the Ameriprise Client Experience Award -

Financial Advisors: Baxter, Smith & Associates

Contact: rex.m.baxter@ampf.com

Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates

Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2

__________________________________________________________________________

This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah.

Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia

WATCH & SUBSCRIBE to us on YouTube @throughthepines

LIKE our Facebook Page: https://www.facebook.com/pinespodcast

Follow our Instagram: https://www.instagram.com/pines_podcast/

Through the Pines - Reminding you to use Yesterday’s Dollars to Finance Tomorrow’s Dreams.

****

This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.

Through the Pines Podcast Copyright, The Banyan Collective - 2025

Resonomics with SA Lopez and Smash Boogie are Th3 Recipe on Van Sessions!

Sponsor the program: https://t.ly/KsrVL

Van Sessions is Recorded at The Monarch in Ogden, Utah.

ARTIST | Resonomics with SA Lopez & Smash Boogie aka Th3 Recipe

FULL SET LIST

Song 1 - Junction City

Song 2 - Mind Write

Song 3 - Can You Feel It (Th3 Recipe)

Song 4 - Picture Mixture (Th3 Recipe)

Song 5 - Danger Us (Th3 Recipe)

ARTIST LINKS

RESONOMICS: https://solo.to/resonomics

SA LOPEZ: https://linktr.ee/salopez

SMASH BOOGIE: https://linktr.ee/smashboogie

TH3 RECIPE: https://www.instagram.com/th3_recipe_music/

SUPPORTERS

The Monarch Building: https://themonarchogden.com/

Ogden City Arts: https://ogdencity.com/707/Arts

CREDITS

Producer / Host: R. Brandon Long, The Banyan Collective

Bookings: Todd Oberndorfer, todd@thebanyancollective.com

Audio Mix: Scott Rogers, The Proper Way https://theproperwayband.com/studio

DOP: Dixon Stoddard, https://www.instagram.com/studios_d21/

Photography: Avery Atkinson: https://www.instagram.com/avery_atkinson_/

FOLLOW // SUBSCRIBE

Van Sessions Instagram: https://www.instagram.com/vansessions/

Van Sessions Facebook: https://www.facebook.com/thevansessions

Van Sessions YouTube: https://www.youtube.com/@vansessionspod

Tip Jar: https://www.buymeacoffee.com/banyanmedia

The drive behind Van Sessions is to create a music discovery community for Northern Utah musicians to share their work, refine their craft, and network with other artists.

Van Sessions helps support local musicians, photographers, and videographers through our project. Show your support for local artists by subscribing to Van Sessions on YouTube @vansessionspod or search "Van Sessions Podcast" on your favorite podcast platform.

Join us live at the Monarch in Ogden every First Friday to be a part of the free concert and video podcast recording.

Bookings: todd@thebanyancollective.com

Barrage à Trois on Van Sessions!

Sponsor the program: https://t.ly/KsrVL

Van Sessions is Recorded at The Monarch in Ogden, Utah.

ARTIST | Barrage à Trois

FULL SET LIST

Song 1 - My Little Suede Shoes - Charlie Parker COVER

Song 2 - Alison, Elvis Costello COVER

Song 3 - Night Life, Willie Nelson COVER

Song 4 - I Always Bounce Back To you - Craig Schriber ORIGINAL

Song 5 - Still Got the Blues (For You) Gary Moore COVER

Song 6 - Coming Home To You - Craig Schriber ORIGINAL

ARTIST LINKS

INSTAGRAM: https://www.instagram.com/barrage_a_trois/

THREADS: https://www.threads.com/@barrage_a_trois?xmt=AQF0-_hBEIZ0XvHNY1u1k2bes7e-6UJaTS43TjgJ0R415sc

SUPPORTERS

The Monarch Building: https://themonarchogden.com/

Ogden City Arts: https://ogdencity.com/707/Arts

CREDITS

Producer / Host: R. Brandon Long, The Banyan Collective

Bookings: Todd Oberndorfer, todd@thebanyancollective.com

Audio Mix: Scott Rogers, The Proper Way https://theproperwayband.com/studio

DOP: Dixon Stoddard, https://www.instagram.com/studios_d21/

Photography: Avery Atkinson: https://www.instagram.com/avery_atkinson_/

FOLLOW // SUBSCRIBE

Van Sessions Instagram: https://www.instagram.com/vansessions/

Van Sessions Facebook: https://www.facebook.com/thevansessions

Van Sessions YouTube: https://www.youtube.com/@vansessionspod

Tip Jar: https://www.buymeacoffee.com/banyanmedia

The drive behind Van Sessions is to create a music discovery community for Northern Utah musicians to share their work, refine their craft, and network with other artists.

Van Sessions helps support local musicians, photographers, and videographers through our project. Show your support for local artists by subscribing to Van Sessions on YouTube @vansessionspod or search "Van Sessions Podcast" on your favorite podcast platform.

Join us live at the Monarch in Ogden every First Friday to be a part of the free concert and video podcast recording.

Bookings: todd@thebanyancollective.com

Standards & Substandards on Van Sessions!

Sponsor the program: https://t.ly/KsrVL

Van Sessions is Recorded at The Monarch in Ogden, Utah.

ARTIST | Standards & Substandards

FULL SET LIST

Song 1 - Sunday Kind of Love, Etta James COVER

Song 2 - Something Right

Song 3 - Mardi Gras Beads on the Virgin Mary

Song 4 - What Was I Made For? Billie Eilish COVER

Song 5 - Armor, Sara Bareilles COVER

ARTIST LINKS

INSTAGRAM: https://www.instagram.com/standards_and_substandards/

FACEBOOK: https://www.facebook.com/StandardsandSubstandards/

YOUTUBE: https://www.youtube.com/@substandards

WEBSITE: https://substandards.band/

SPOTIFY: https://open.spotify.com/artist/7Khj27KYmG2L4PXlCs360I?si=vOKLqUPrQQam7k8iHpnStA

SUPPORTERS

The Monarch Building: https://themonarchogden.com/

Ogden City Arts: https://ogdencity.com/707/Arts

CREDITS

Producer / Host: R. Brandon Long, The Banyan Collective

Bookings: Todd Oberndorfer, todd@thebanyancollective.com

Audio Mix: Scott Rogers, The Proper Way https://theproperwayband.com/studio

DOP: Dixon Stoddard, https://www.instagram.com/studios_d21/

Photography: Avery Atkinson: https://www.instagram.com/avery_atkinson_/

FOLLOW // SUBSCRIBE

Van Sessions Instagram: https://www.instagram.com/vansessions/

Van Sessions Facebook: https://www.facebook.com/thevansessions

Van Sessions YouTube: https://www.youtube.com/@vansessionspod

Tip Jar: https://www.buymeacoffee.com/banyanmedia

The drive behind Van Sessions is to create a music discovery community for Northern Utah musicians to share their work, refine their craft, and network with other artists.

Van Sessions helps support local musicians, photographers, and videographers through our project. Show your support for local artists by subscribing to Van Sessions on YouTube @vansessionspod or search "Van Sessions Podcast" on your favorite podcast platform.

Join us live at the Monarch in Ogden every First Friday to be a part of the free concert and video podcast recording.

Bookings: todd@thebanyancollective.com