CFO at Home

In this episode of CFO at Home, Vince delves into the fascinating world of behavioral finance, particularly focusing on the concept of The 7 Money Personalities as introduced by Ken Honda in his book "Happy Money." Vince explains how understanding our own and our partner's money personalities can significantly improve financial decision-making and communication within relationships. He breaks down the seven distinct personalities: the Money Maker, the Worrier, the Compulsive Spender, the Compulsive Saver, the Indifferent to Money, the Generous Giver, and the Financial Avoider. Listeners will learn how these personalities can complement each other and foster unity, trust, and transparency in financial discussions. Additionally, Vince highlights the different emotional needs men and women have regarding money, emphasizing the importance of mutual understanding and open communication for couples to thrive financially together. Key Topics: Exploring The 7 Money Personalities and their impact on financial behavior How understanding money personalities promotes unity and peace in relationships The importance of trust and transparency in financial discussions Balancing different financial tendencies for a harmonious partnership Recognizing and respecting emotional needs related to money in men and women Strategies for effective communication and goal-setting in financial planning Key Links: Happy Money: The Japanese Art of Making Peace with Your Money Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500

On this episode of CFO at Home, Vince continues his discussion with Mel Stubbs, author of "Your FERS Federal Retirement: The 10 Decisions that Will Make or Break Your Retirement." Their focus shifts to the critical Social Security decision, exploring how to maximize benefits while considering the implications for beneficiaries. Mel breaks down the complexities of when to take Social Security, the impact of life expectancy, and the importance of strategic planning. They also discuss long-term care decisions, evaluating self-insurance versus insurance policies, and the significance of working with an advisor to navigate these crucial choices. For more insights, visit christycapital.com. Key Topics: Understanding the optimal age to start taking Social Security benefits Evaluating the trade-offs of postponing benefits for higher payouts The implications of Social Security on beneficiaries Exploring long-term care options: self-insurance vs. insurance policies The importance of working with a financial advisor for retirement planning Strategies for transitioning to retirement and finding purpose Key Links: Christy Capital Your FERS Federal Retirement: The 10 Decisions that Will Make or Break Your Retirement Christy Capital Management - YouTube Mel Stubbs - LinkedIn Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

On the next 2 episodes of CFO at Home, Vince's guest is Mel Stubbs, author of "Your FERS Federal Retirement: The 10 Decisions that Will Make or Break Your Retirement," to discuss key decisions that can shape our retirements. In this episode, Mel and Vince focus on 4 of the 8 decisions that many of us will face, regardless of whether we're federal employees or not; when to retire, what to do with company offered life insurance, what to do with our retirement accounts, and the tax planning decision. To learn more about Mel and his book, go to christycapital.com Key Topics: Determining the right time to retire based on financial readiness Evaluating company-offered life insurance options Understanding the benefits and rules surrounding 401(k) and TSP accounts Tax planning strategies for retirement savings The role of Social Security and pensions in retirement planning How to effectively manage retirement income to avoid tax pitfalls Key Links: Christy Capital Your FERS Federal Retirement: The 10 Decisions that Will Make or Break Your Retirement Christy Capital Management - YouTube Mel Stubbs - LinkedIn Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

This episode of CFO at Home is Part 2 of Vince's conversation with Certified Financial Planner Filip Telibassa. This time, Filip and Vince tackle the topic of investment fees; the significant impact that fees can have on long-term investment returns, and the importance of understanding the different fee structures associated with financial advice. They also discuss the trend of lower-cost investment options like ETFs and index funds. For more from Filip, visit his website BenzinaWealth.com Key Topics: Understanding the impact of investment fees on long-term returns The difference between fee-only and fee-based financial advisors The advantages of a flat fee structure over asset under management fees The importance of unbiased fund selection for clients Trends in investment options: ETFs and index funds How to evaluate financial advisors and their fee structures Key Links: Benzina Wealth https://www.linkedin.com/in/filiptelibasa/ Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

On this episode of CFO at Home, Vince sits down with Pav Lertjitbanjong, a career and financial resilience expert, and self-made millionaire, to discuss the critical topic of preparing for layoffs and career setbacks. Pav shares her personal journey of overcoming significant financial challenges, including a life-changing divorce that led her to discover the importance of financial literacy and resilience. They discuss practical strategies for financial preparedness, including the creation of an "FU Fund" to cushion against unexpected job loss, the importance of diversifying income streams, and the power of building a personal brand. To learn more about Pav and get more of her tips on navigating layoffs and career changes, check out mycoachpav.com Key Topics: The importance of financial preparedness for unexpected layoffs Creating an "FU Fund" for financial security Diversifying income streams to enhance financial stability Building a personal brand to increase job marketability Recognizing warning signs of potential layoffs The role of mindfulness and resilience in overcoming setbacks Key Links https://www.mycoachpav.com/ https://www.mycoachpav.com/pav-ai Moments of Reset (@momentsofreset) | TikTok https://www.linkedin.com/in/mycoachpav/ Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

This episode of CFO at Home is Part 1 of Vince's conversation with Certified Financial Planner Filip Telibassa. In this part of our conversation Filip and Vince explore the concept of reverse budgeting. Filip explains how reverse budgeting flips traditional budgeting on its head by prioritizing savings and financial goals before addressing fixed expenses. He also shares insights on how this method can alleviate the feelings of deprivation often associated with budgeting, making it easier for clients to plan for their goals. Filip and Vince also discuss the importance of aligning financial goals with core values, and the dynamic nature of reverse budgeting, including how to assess its effectiveness over time. To learn more about Filip, visit his website BenzinaWealth.com Key Topics: Understanding reverse budgeting and its benefits The emotional impact of traditional budgeting vs. reverse budgeting How to set financial goals based on core values Managing cash flow and assessing the success of reverse budgeting The role of budgeting apps in financial tracking Using reverse budgeting for debt elimination strategies Key Links: Benzina Wealth Reverse Budgeting: A strategy to spend more, without guilt https://www.linkedin.com/in/filiptelibasa/ Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

On this episode of CFO at Home, Vince's guest is Derrick Kinney, a successful entrepreneur who achieved millionaire status by age 37. Derrick shares his inspiring journey of going from a lower middle class background to financial success, emphasizing the importance of mindset and how it can shape one's financial destiny. Derrick and Vince discuss the significance of problem-solving in any career, the crucial steps to managing money effectively, and Derrick's five-step framework, the Millionaire Money Map, designed to help individuals escape the middle class and achieve true financial freedom. For more of Derrick's wisdom, check out DerrickKinney.com and his Good Money Podcast. Key Topics: The journey from lower middle class to millionaire The entrepreneurial mindset and its importance in any career Understanding and managing money effectively The Millionaire Money Map: five steps to financial freedom The impact of mindset on financial success How to create a giving strategy that aligns with your goals Key Links: DerrickKinney.com Good Money Revolution Good Money Podcast Derrick Kinney - LinkedIn Derrick Kinney - Instagram Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

This episode of CFO at Home is Part 2 of VInce's conversation with Jonathan Blau, Founder and Chief Executive Officer of Fusion Family Wealth, a Long Island-based, fee-only, registered investment advisory firm. Jonathan and Vince discuss the misconceptions surrounding risk and volatility, how our fears can lead us to make poor financial decisions, the importance of understanding purchasing power and the long-term nature of investing and dive into three common behavioral mistakes that investors often make. To l earn more about Jonathan, go to fusionfamilywealth.com, or check out his podcast, Crazy Wealthy Podcast. Key Topics: Understanding risk and volatility in investing The impact of inflation on purchasing power Common behavioral mistakes investors make The importance of disciplined investing for long-term goals Overcoming psychological barriers to investing Key Links Fusion Family Wealth Crazy Wealthy Podcast Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

On the next two episodes of CFO at Home, Vince's guest is Jonathan Blau, Founder and Chief Executive Officer of Fusion Family Wealth, a Long Island-based, fee-only, registered investment advisory firm. Jonathan is also an industry thought leader in behavioral finance – helping investors learn to make rational money decisions and identify biases that drive poor money decisions and then helping to modify their “money behavior". In part 1 of their conversation, Vince and Jonathan dive into the psychology behind procrastination, particularly how it affects our ability to plan and make crucial financial choices. They also discuss what makes some of us overspenders, while others are frugal, and how the pain associated with making financial choices leads many to avoid planning altogether, often opting for immediate gratification instead. To learn more about Jonathan, go to fusionfamilywealth.com, or check out his podcast, Crazy Wealthy Podcast. Key Topics: Understanding procrastination in financial planning The pain of making financial choices and its impact on behavior The physiological effects of spending and the pursuit of happiness How hyperbolic discounting affects long-term financial decisions The balance between overspending and being overly frugal The influence of upbringing on spending habits and financial fears Key Links Fusion Family Wealth Crazy Wealthy Podcast Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

On this episode of CFO at Home, Vince's guest is Nicole Smith, author of "Diagnosis Dementia: Your Guide to Elder Care Planning and Crisis Management." Nicole shares her personal journey into caregiving, sparked by her mother's Alzheimer's diagnosis, and discusses the emotional and financial challenges faced by caregivers, including the significant costs associated with care, the complexities of Medicare and Medicaid, and the importance of planning ahead. They also discuss the necessity of having candid conversations about mortality and financial preparedness with loved ones. To learn more about Nicole and her book, visit njsmithbooks.com Key Topics: The emotional and financial impacts of caregiving Understanding Medicare and Medicaid limitations The importance of planning for long-term care Navigating Activities of Daily Living (ADLs) and instrumental activities of daily living (IADLs) Building a supportive team of professionals for elder care The necessity of discussing financial and medical powers of attorney Key Links: njsmithbooks.com Area Agencies on Aging - Eldercare Locator Elder Law Attorneys - National Academy of Elder Law Attorneys Nicole Smith - Author - NJS Press | LinkedIn Nicole Smith (@dementiabookreview) • Instagram  Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

Vince shares throughts on the volatility in the US stock market

On this episode of CFO at Home, Vince's guest is Drew Boyer, a Certified Financial Planner and author of "Hip Hop X Finance: Become a Financial Gangster, Get off Debt Row and Stack your Cash Flow." Drew shares his journey of merging his passion for music and personal finance, illustrating how hip hop culture can serve as an engaging lens for financial education. He discusses the importance of understanding personal finance through relatable examples from hip hop moguls, including Hammer and Dr. Dre. Dre emphasizes the significance of patience in investing, the value of surrounding ourselves with the right advisors, and how to navigate the complexities of financial literacy in today's fast-paced world. To learn more about Drew and Hip Hop X Finance, visit hiphopxfinance.com Key Topics: The intersection of hip hop culture and personal finance Lessons from hip hop moguls on success and failure The importance of patience and long-term investing Navigating financial literacy for younger generations How to choose the right financial advisors Understanding the impact of social media on financial advice Key Links: hiphopxfinance.com @therealdrewboyer - Facebook @drewboyer78 - Instagram  @hiphopxfinance - TikTok Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

On this episode of CFO at Home, Vince's guest is Janine Firpo, co-founder of the nonprofit Invest for Better and author of the book "Activate Your Money." Janine shares her journey as an investor and her passion for empowering women to take control of their financial futures. She discusses the systemic barriers women face in investing, the significance of values-aligned investing, and the importance of community in fostering financial confidence. Janine also highlights the need for women to understand their financial situations, especially during life transitions like divorce or widowhood. To explore more about Janine's work and resources, visit investforbetter.org Key Topics: The importance of empowering women in investing Understanding systemic barriers to women's financial education The concept of values-aligned investing Community learning and support for women investors Navigating financial challenges during life transitions The significance of financial literacy in creating generational wealth Key Links: Janine Firpo - LinkedIn   Invest for Better Activate Your Money Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

On this episode of CFO at Home, Vince's guest is John Cousins, founder of MBA A$AP, an online business education community that provides individuals around the world with access to valuable business skills and knowledge John shares his thoughts on the importance of treating personal finances like a business, discussing key concepts such as income-producing assets, the pitfalls of consumer debt, and the significance of financial literacy. John also dives into the complexities of student loans, the value of education versus its cost, and offers practical advice for young adults navigating their financial futures. To explore more about John's work and resources, visit mba-asap.com. Key Topics: Treating personal finances like a business Understanding income-producing assets vs. consumer debt The impact of student loans on financial health The importance of financial literacy for everyone Exploring alternative paths to traditional education Building wealth and securing financial futures Key Links: MBA A$AP MBA ASAP - Facebook jjcousinsiii - Instagram Mbaasap - TikTok Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

In this episode of CFO at Home, Vince's guest is litigation and personal injury lawyer Jon Groth. Jon shares advice for those seeking a personal injury lawyer, discusses proactive financial steps to take before an injury occurs, outlines strategies for negotiating medical bills, and discusses the significance of having a knowledgeable insurance agent as part of your financial team. You can learn more about Jon and Groth Law Firm by going to GrothLawFirm.com Key Topics: How to choose the right personal injury lawyer Proactive financial steps to take before an injury Understanding insurance coverage and its importance Negotiating medical bills and costs The role of an insurance agent in your financial team Strategies for managing medical expenses post-injury Key Links: Groth Law Firm Groth Law Firm on Facebook Follow Groth Law on TikTok Groth Law on Instagram Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

On this episode of CFO at Home, Vince's guest is Angelo Santiago, a men's marriage and relationship coach. Angelo shares practical tips on fostering open communication about money, recognizing the impact of upbringing on financial perspectives, and the necessity of shared financial goals. Angelo also shares the evolution of his relationship with his wife and the pivotal conversations that ultimately strengthened their financial partnership. To learn more about Angelo and his work, visit angelosantiago.com, and check out the Better Husband Podcast Key Topics: The role of financial discussions in marriage Understanding different financial backgrounds Navigating disagreements about spending and saving The importance of having money meetings Building trust and respect in financial management Practical tips for effective communication about money Key Links: Angelo Santiago Better Husband Toolkit Better Husband Podcast Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince Carter a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500

On this episode of CFO at Home, Vince's guest is Sharon Soliday, a passionate advocate for financial education, particularly for young people. Sharon shares her own journey growing up with limited financial resources and how it shaped her desire to help others learn valuable money lessons. Sharon's book "Cradle to Credit," emphasizes the importance of teaching kids financial concepts from an early age, and provides practical strategies for parents to engage their kids in age-appropriate discussions about money that resonate with them. Sharon and Vince discuss budgeting, allowances, the value of work, the significance of investing, and more. For more insights from Sharon, check out her website SharonSoliday.com Key Topics: Sharon's journey to financial education The importance of teaching kids about money early Practical strategies for budgeting with children The role of allowances and chores in financial literacy Encouraging work ethic and responsibility in teens Engaging kids in investing through relatable examples Key Links: Sharon Soliday Cradle to Credit — Sharon Soliday Sharon Soliday-Rolin, Author and Speaker | Facebook Contact the Host - vince@thecfoathome.com  

On this episode of CFO at Home, Vince's guest is Kurt Altrichter, the founder of Ivory Hill, a fee-only fiduciary financial advisory firm. Kurt and Vince discuss the importance of managing cash flow, understanding risk tolerance, and the often-overlooked "do nothing risk" of not investing. Kurt also provides insights into the challenges faced by individuals who are hesitant to invest and the value of having a financial advisor to navigate market volatility. You can learn more about Kurt and Ivory Hill by going to IvoryHill.com. Key Topics:   Challenges Faced by Non-Investors  The Importance of Cash Flow and Risk Tolerance  Understanding "Do Nothing Risk" and Inflation  The Role of a Financial Advisor  Selecting the Right Financial Advisor  Managing Emotions in Investing Key Links: Ivory Hill Instagram - Kurt S. Altrichter (@kurtsaltrichter) • Instagram photos and videos Facebook - https://www.facebook.com/kurt.altrichter Follow Kurt on Twitter Kurt S. Altrichter, CRPS® (@kurtsaltrichter) / X Explore Kurt's insights on Substack https://substack.com/@kurtsaltrichter Contact the Host - vince@thecfoathome.com  

On this episode of CFO at Home, Vince's guest is Valerie Greene, a relationship coach with a wealth of experience in helping couples navigate the complexities of money and relationships. Valerie shares her personal journey of learning to resolve conflicts, and how it led her to become a relationship coach. Valarie and Vince also dive into the deep-seated issues that money often represents in relationships, such as control, security, and personal values. Valerie provides insights from her extensive training with relationship experts and shares case studies that illustrate how couples can move beyond surface-level money arguments to understand the dreams and values underlying their financial disagreements. To learn more about Valerie and her work, check out CoachValerieGreene.com and The Soul-Shaking Love Podcast   Key Topics: Valerie's journey to becoming a relationship coach Understanding what money represents in relationships The role of control and security in money arguments Case studies: Resolving financial disagreements through empathy and understanding The importance of validating each other's dreams and values Practical exercises for couples to improve communication about money Key Links: CoachValerieGreene.com Soul-Shaking Love Podcast | Relationship Coach Valerie Greene Valerie Greene (@val_greene) • Instagram photos and videos Coach Valerie Greene: Deepen Your Love Relationships | Facebook Valerie Greene - YouTube Contact the Host - vince@thecfoathome.com  

On this episode of CFO at Home, Vince's guest is Bri Conn, the Chief Experience Officer of Childfree Wealth®, a life and financial planning firm dedicated to helping Childfree and Permanently Childless people. Bri and Vince dive into key financial considerations for the childfree, including how childfree individuals can optimize their time, money, and freedom, the importance of having a plan for long-term care, the concept of legacy beyond traditional generational wealth and the importance of estate planning. Bri also shares tips on how to engage in sensitive conversations with childfree individuals, and the value of understanding their unique financial challenges. For more insights, check out the Childfree Wealth Podcast co-hosted by Bri and Dr. Jay Zigmont, and Dr. Jay's new book, "The Childfree Guide to Life and Money”. Key Topics: - Introduction to Childfree Wealth - Defining Childfree vs. Childless - Financial Planning Considerations - Die with Zero Approach - Flexibility and Home Ownership - Investment Goals for the Childfree - Long-term Care Planning - Legacy and Estate Planning - Sensitive Conversations with Childfree Individuals -  Book - The Childfree Guide to Life and Money Key Links Childfree Wealth Childfree Wealth Podcast Childfree Wealth (@childfreewealth) • Instagram photos and videos Childfree Wealth® - YouTube ChildfreeWealth | Facebook Contact the Host - vince@thecfoathome.com  

As the year comes to a close, CFO at Home is pausing for the month of December. New episodes will resume on January 1st, featuring interviews with money experts on topics such as wealth building, investing, money and relationships, and more. In 2025, expect a mix of interview-based episodes and short educational segments designed to enhance your CFO at Home skills. With 184 full episodes and bonus content available, now is the perfect time to catch up on any you've missed. Visit thecfoathome.com to explore episodes by topic. Enjoy the holiday season, and remember to spend and eat wisely. Join us in January for an exciting new year! Contact the Host - vince@thecfoathome.com

On this episode of CFO at Home, Vince's guest, Paul Murphy of Divorce Detox, shares his personal story of divorce, and the challenges that he's faced in transitioning from a spouse who was largely uninvolved in the day to day management of his finances, into the CFO of his Home. Paul's experiences inspired him to create Divorce Detox, a digital program aimed at helping men manage the emotional and financial aspects of divorce. You can find out more about Paul and Divorce Detox by visiting divorcedetoxx.com Key Topics: Paul's personal story: career, marriage, divorce, and financial challenges The role of financial literacy and budgeting post-divorce Importance of involving both partners in financial management Emotional and mindset impacts of divorce on financial decisions Paul's creation of Divorce Detox and its role in supporting men Key Links: divorcedetoxx.com WeekendWarriorbeme - Instagram Contact the Host - vince@thecfoathome.com  

With the 2024 Presidential Election behind us, what's our new President's plan to address voter's #1 issue? Key Topics: Introduction and Election Reflection Understanding Inflation: Definitions and Current Rates President-elect's Inflation Strategy: Key Points Impact of Energy Production on Inflation Federal Spending and Deregulation Immigration and Housing Costs Geopolitical Stability and Inflation Tax Policies and Home Ownership Initiatives Conclusion: Holding Leaders Accountable

On this episode of CFO at Home, Vince's guest is Luke Homen, a bankruptcy attorney and founder of Convenient Bankruptcy. Luke and Vince discuss two of the most common forms of bankruptcy, Chapter 7 and Chapter 13, and the importance of understanding the process and potential pitfalls of each. Luke shares insights into the emotional and financial aspects of filing for bankruptcy, and the impact of bankruptcy on aspects of your financial wellness such as credit scores. Luke and Vince also discuss the potential for student loan discharge through bankruptcy, a relatively new and evolving area of law, and the importance of financial literacy post-bankruptcy. For more information about Luke, visit ConvenientBankruptcy.com.

On this episode of CFO at Home, Vince's discussion is with Jude Wilson, Chief Financial Strategist at Centrus Financial Strategies, about financial planning, specifically for underrepresented communities and the first-generation affluent. They discuss the importance of understanding cash flow versus net worth and the challenges of changing financial mindsets. Jude also shares his personal money journey as the son of Haitian immigrants as well as stories of individuals who have transformed their financial futures through strategic planning. You can learn more about Jude and his work by visiting Centrusfs.com and by listening to The Roth Guy podcast.

With more options available to us than ever, navigating the world of investments can be challenging, whether you're a new investor just starting out, or a more seasoned investor looking to strike a balance between growth and income. On this episode of CFO at Home, Vince talks with Steven Wagner, from Integrity Wealth Advisors, about the importance of your investment strategy evolving in different stages of life, the psychology of money, the concept behind Lifestyle or Target Date funds, and more. You can learn more about Stephen and Integrity Wealth Advisors by visiting iwaplan.com Key Takeaways: Investment Evolution: Investing strategies should evolve as individuals progress from young entrepreneurs to retirees, with a focus on more aggressive investments in the early stages and a gradual shift to conservative options as retirement approaches. 100-Age Rule: The 100-age rule is a guideline for determining the percentage of assets to invest in stocks, but younger investors may benefit from even more aggressive strategies. Psychology of Money: Understanding the psychological aspects of investing, such as fear and greed, is crucial for making sound financial decisions and maintaining a long-term perspective. Financial Planning: A comprehensive financial plan is essential for identifying short-term and long-term goals, which in turn dictates the appropriate investment strategy. Lifestyle Funds: These funds automatically adjust the asset allocation based on the investor's age and retirement timeline, providing a hands-off approach to managing investments. Retirement Planning: As individuals approach retirement, the focus shifts from growth to income and risk management, making professional advice invaluable. Key Links: Integrity Wealth Advisors Integrity Wealth Advisors, Inc. | Facebook Steven H. Wagner | LinkedIn Integrity Wealth Advisors | Twitter steve@iwaplan.com Contact the Host - vince@thecfoathome.com  

Our thoughts, feelings, and emotions about money are key factors in determining our financial success. On this episode of CFO at Home, Vince talks with Pericles Rellas, a money mindset expert who has worked with tens of thousands of people for more than two decades to help them live lives of power, purpose and prosperity, using his concept of the "financial thermostat". They explore how our financial thermostats can dictate our earning and saving behaviors, the four keys to resetting your financial thermostat, and more. You can learn more about Pericles and the Financial Thermostat by visiting PericlesRellas.com Key Takeaways: Financial Thermostat: Our financial thermostat is an internal setting that influences how much money we can earn and keep. It regulates our thoughts, feelings, and emotions about money. Understanding Money: Recognizing money as a currency that flows in a circle is crucial. Blocks in the flow of money, whether incoming or outgoing, can impede financial growth. Flow Focus: Identifying where your money is going and redirecting it towards intentional goals can empower financial decisions and create a sense of control. Prosperity Structure: Instead of a traditional budget, create a prosperity structure that includes all expenses and savings, fostering a mindset of growth rather than limitation. Mentoring: Finding a mentor or coach who resonates with you can provide guidance and accountability, helping to shift paradigms and reach financial goals. Key Links: Pericles Rellas Pericles Rellas | YouTube Pericles Rellas | Facebook Contact the Host - vince@thecfoathome.com  

On this episode of CFO at Home, the discussion is Side Hustles with Joan Posivy, host of the Side Hustle Hero podcast. Joan and Vince talk about the evolving landscape of side hustles, and she shares her insights on choosing the right side hustle, the importance of matching your side hustle to your personal preferences, the balance between a full-time job and a side hustle, and more. You can learn more about Joan and her work by visiting SideHustleHero.com Key Takeaways: Choosing a Side Hustle: Select a side hustle that matches your personal preferences and work style, whether you prefer working with people or behind a desk. Goal Setting: Set clear, realistic goals and give yourself a specific timeframe to evaluate the success of your side hustle. Persistence: Many side hustles fail because people give up too soon. Commit to your side hustle for a set period before reevaluating its viability. Time Management: Efficiently manage your time by scheduling dedicated hours for your side hustle and minimizing distractions during those periods. Financial Planning: Before transitioning your side hustle to a full-time job, ensure you have sufficient savings to support yourself during the initial growth phase. Testing and Feedback: Use low-cost methods like farmers markets to test your product and gather feedback before making significant investments. Key Links: Side Hustle Hero Side Hustle Hero | Instagram Joan Posivy | Facebook

On this episode of CFO at Home, Vince talks with JD Itri, founder of Olympus Money and author of "The Olympus Money Method: How to Gain Financial Freedom in a World Designed to Make You Poor." JD shares his journey from working at Intuit on products like TurboTax and Mint, to developing his own personal finance software, Olympus Money. They discuss the advantages of integrating tax preparation with management of your personal finances, psychological barriers to saving, and ways to streamline your financial management. You can learn more about JD and Olympus Money by visiting OlympusMoney.com Key Takeaways: Integrated Finance: Combining tax preparation with personal finance can provide a more comprehensive view of one's financial health and streamline the tax preparation process. Elevated Balance: Instead of granular budgeting, focus on broad categories like savings, investments, and discretionary spending to simplify financial planning. Future Self Visualization: Viewing an aged version of yourself can increase savings by making the future feel more personal and immediate. Rich Habits: Investing in experiences and relationships can provide more long-term satisfaction than material possessions. Target Audience: The book and app are particularly useful for individuals aged 25-45 with household incomes between $75,000 and $250,000 who are looking to take control of their finances without dedicating excessive time. Key Links: Olympus Money Olympus Money Method | Instagram Contact JD - jd@olympusmoney.com Contact the Host - vince@thecfoathome.com  

On this episode of CFO at Home, Vince talks with Tim Clifford, author of "Plan Assist: Make Better Financial Decisions," about the importance of having a financial plan, the difference between earning money and accumulating wealth, and the retirement crisis facing many Americans today. They explore the concept of diversification, the role of financial advisors, the significance of both formal and informal financial counsel, and more. You can learn more about Tim and PlanAssist, by going to PlanAssist.com. Key Takeaways: Financial Planning: A simple, clear plan is essential for financial success. It doesn't need to be elaborate; even a one-page plan can make a significant difference. Diversification: Diversifying your investments is crucial. This includes a mix of stocks, bonds, and other assets, with a core portfolio and satellite investments for potential growth. Seeking Counsel: Both formal and informal advice are important. Understand the biases in informal advice and ensure formal advice is unbiased and in your best interest. Retirement Crisis: Many Americans are unprepared for retirement. It's crucial to start planning early and make informed financial decisions to avoid financial stress in later years. Education: Financial literacy is key. Seek out resources and educate yourself on financial planning and investment strategies to make better decisions. Key Links Website - PlanAssist Email - Info@PlanAssist.comContact the Host - vince@thecfoathome.com

Wills, Trusts, Powers of Attorney. Nearly all of us have some concept of what these are, but how many of us are really confident that we understand these fundamental estate planning tools and how they work? On this episode of CFO at Home, Vince talks with Adam Zuckerman, founder of Buried in Work, a comprehensive resource for estate planning and end- of-life tasks. Adam shares the origin story of Buried in Work, the importance of estate planning, common misconceptions, essential documents, and more. You can learn more about Adam and Buried in Work by going to BuriedInWork.com Key Takeaways: Estate Planning: It's not just for the wealthy. Everyone has an estate, and planning is crucial for the transition of assets and end-of-life wishes. Essential Documents: Key documents include wills, durable powers of attorney, healthcare proxies, and various types of trusts. Trusts: Trusts provide privacy and can help avoid probate. They are not solely for tax avoidance and should be set up with professional guidance. Digital Legacy: Modern estate planning should include digital assets like social media accounts and online passwords. Communication: It's vital to inform family members about the location and contents of estate planning documents to avoid confusion and stress. Key Links: Buried in Work Adam Zuckerman - Buried In Work | LinkedIn adam@buriedinwork.com Buried in Work |(@buriedinwork) • Instagram profile Buried In Work | Facebook Contact the Host - vince@thecfoathome.com  

A quick word of caution; this episode contains discussion of domestic abuse and suicide. On this episode of CFO at Home, Vince talks with Sarah Doucette, author of "Stronger Than That: A Domestic Violence Survivor Uncovers the Truth About Her Abuser." Sarah shares her story of enduring financial abuse while surviving domestic violence, and the lessons she learned along the way. We discuss Coercive Debt, the importance of each partner in a relationship being knowledgeable about their finances , and how Sarah rebuilt her life post-divorce. You can pick up a copy of Stronger Than That at Amazon.com or wherever books are sold. Also, check out Sarah's podcast What's My Age Again at Whatsmyageagainpod.com, or on your favorite podcast app. Key Takeaways: Coercive Debt: Financial abuse can take many forms, including coercive debt, where abusers open credit accounts in their partner's name without their knowledge. Financial Literacy: Understanding and being involved in household finances is crucial for everyone, regardless of their role in the relationship. Communication: Open and honest communication about finances between partners can prevent misunderstandings and potential financial abuse. Support Systems: Reaching out for help and utilizing financial advisors can be instrumental in recovering from financial abuse and rebuilding one's financial health. Strength in Vulnerability: True strength lies in being vulnerable and seeking help, rather than suffering in silence. Key Links: Stronger Than That: A Domestic Violence Survivor Uncovers the Truth About Her Abuser What's My Age Again? Sarah Lynn Doucette | Instagram Sarah Doucette, MBA | LinkedIn Contact the Host - vince@thecfoathome.com  

On this episode of CFO at Home, Vince talks with Regina McCann Hess, author of "Superwoman Wealth," a book designed to empower women to confidently plan their financial futures, about how societal expectations impact women's financial well- being, the importance of nurturing money, understanding money mindsets, understanding the role of communication between partners in managing finances, and more. You can learn more about Regina and Superwoman Wealth by going to Forgewealth.com Key Takeaways: Societal Expectations: Historically, men have been expected to manage household finances, leaving many women unprepared to handle their own financial matters when necessary. Nurturing Money: Women are natural nurturers and can apply this trait to managing their finances by aligning their money with their values and goals. Money Mindset: Both men and women bring unique mindsets to financial management, influenced by their upbringing and societal roles. Understanding these mindsets is crucial for effective financial planning. Communication: Open and regular communication about finances between partners is essential for achieving common financial goals and avoiding misunderstandings. Kitchen Table Conversations: Regular, non-threatening discussions about finances can help couples understand each other's financial perspectives and work together more effectively. Key Links: ForgeWealth.com Facebook - Forge Wealth Instagram - Forge Wealth Management LinkedIn - Regina McCann Hess Contact the Host - vince@thecfoathome.com  

Is college really worth the investment? On this episode of CFO at Home, Vince explores this question with James Bolin, creator of Secure Single, by diving into topics covered in James' blog posts; "Exposing the College Scam" and "Shocking Truth: Is College Worth It?" James also shares his personal experiences with higher education, and how they shaped his views on the value of a college education. You can learn more about James and Secure Single by going to Secure Single.com Key Takeaways: Societal Pressure: The expectation to attend college starts in high school and is deeply ingrained in the American Dream, often leading students down a predetermined path. Student Loans: The availability of federal student loans incentivizes universities to raise prices, contributing to the creation of degree factories offering less marketable degrees. College Amenities: The rising cost of college is partially driven by non-essential amenities aimed at attracting students, such as luxurious dorms and recreational facilities. Student Lifestyle: The college environment often encourages partying and social activities that can delay adulthood and financial independence. Alternative Learning: Self-learning through online courses, certifications, and trades can be viable, cost-effective alternatives to a traditional college education. Financial Education: Early financial education, ideally starting in high school, is crucial for making informed decisions about higher education and managing personal finances effectively. Key Links: Secure Single YouTube - Secure Single LinkedIn - James Bolin Contact the Host - vince@thecfoathome.com  

Have you ever considered franchising as a business opportunity or a side hustle? On this episode of CFO at Home, Vince talks with Greg Mohr, CEO and founder of Franchise Maven, about the ins and outs of franchising, how to avoid common pitfalls and missteps, and the critical due diligence process. Vince also shares his own experience with a failed franchise, and what he learned from it. You can learn more about Greg and Franchise Maven by going to FranchiseMaven.com Key Takeaways: Franchise vs. Independent Business: Franchises offer a quicker path to success with a proven playbook, but come with franchise fees and royalties. Coachable Trait: Being coachable is essential for franchise success. If you prefer complete autonomy, franchising may not be for you. Due Diligence: Conduct thorough research, including talking to multiple franchisees and reviewing franchise disclosure documents to understand where the franchise makes its money. Red Flags: Be wary of franchises that make most of their money from franchise fees rather than royalties, and those that steer you towards talking to only certain franchisees. Financing Options: Service industry franchises often require lower initial investments and can be financed through SBA loans. Key Links: Website - Franchise Maven Facebook - Franchise Maven  Instagram - Gregory K Mohr (@franchisemaven) LinkedIn - Gregory K. Mohr Contact the Host - vince@thecfoathome.com  

Improving personal finances is consistently a top New Year's Resolution. However, a study by the University of Scranton found that only 8% of people who set goals manage to achieve them. On this episode of CFO at Home, Vince discusses setting and achieving goals with Terry Fossum, the creator of the Oxcart Technique, a powerful yet easy-to-understand 3 step process, grounded in Nobel Prize-winning science, for overcoming obstacles holding you back from achieving success in in your finances, and many other aspects of life. You can learn more about Terry and the Oxcart Technique by visiting TerryLFossum.com Key Takeaways: Emotion Over Facts: We act based on emotion rather than facts. Creating strong emotional motivations is key to sticking to goals. Pain vs. Pleasure: Prospect theory shows we do more to avoid pain than to seek pleasure. The Ox Cart Technique uses this principle to drive action. Failure Scenario: Writing out a detailed failure scenario creates a strong emotional response that motivates action. Daily Action Plan: A clear, actionable plan is essential. This includes what you will do daily to achieve your goals. Success Scenario: Visualizing a positive outcome after following your action plan helps reinforce commitment and drive. Adaptability: Plans should be flexible. Execute now and adjust as needed rather than waiting for a perfect plan. Key Links: TerryLFossum.com Terry Fossum TEDx Talk Instagram - Terry Fossum (@tlfossum) Facebook - Terry Fossum LinkedIn - Terry Fossum Contact the Host - vince@thecfoathome.com  

Paying for college can be one of the most daunting financial challenges parents face, but a well thought-out plan that combines good parenting and sound financial planning can make it manageable. On this episode of CFO at Home, Vince talks with Ann Garcia, author of "How to Pay for College," about strategies to effectively save for college, prioritize financial goals, and navigate the myriad of scholarship opportunities available. Ann shares invaluable insights on the importance of early planning, the benefits of 529 college savings plans, and how to balance saving for college with other financial priorities like emergency funds and retirement. You can learn more about Ann by visiting Howtopayforcollege.com Key Takeaways: Start Early: The ideal time to start saving for college is as early as possible, even before the child is born. 529 plans are a highly recommended vehicle for college savings due to their tax advantages. Prioritizing Savings: Emergency savings should come first, followed by retirement, and then college savings.  Scholarship Opportunities: Every student is eligible for scholarships somewhere. Researching and applying for scholarships can significantly reduce the cost of college. Colleges offer need-based and merit-based scholarships, and there are scholarships for a wide range of skills and activities. ROI Analysis: It's crucial to consider the return on investment when choosing a college. This includes evaluating the cost of the college and the potential earnings from the chosen field of study. College Experience: Factors like mentorship, faculty engagement, and opportunities for applying classroom learning outside the classroom contribute more to future success than the type of college attended. Key Links: Howtopayforcollege.com Facebook.com/collegefinanciallady twitter.com/anngarciacfp linkedin.com/in/ann-garcia-cfp%C2%AE-647507/ Contact the Host - vince@thecfoathome.com

Did you know that fear of income taxes and the IRS is so real that there's an actual physiological name for it? It's Forosophobia. Tax debt in particular can be a daunting issue, affecting not only your finances but also your peace of mind. On this episode of CFO at Home, Vince talks with Morgan Anderson, a tax resolution expert, about the complexities and solutions surrounding tax debt, from understanding the common causes of tax debt to exploring viable options for resolution. You can learn more about Morgan and her firm, Golden Lion Tax Solutions by going to GoldenLionTaxSolutions.com Key Takeaways: Common Causes: Tax debt often stems from unexpected events such as illness, death, inheritance issues, or business setbacks. Initial Reactions: The most common fear among clients is the possibility of going to jail, exacerbated by the intimidating image of IRS collectors. Resolution Options: The most common solutions include setting up monthly payment plans and seeking penalty forgiveness for justifiable reasons. Offer in Compromise: While enticing, this option has strict qualifications and is not suitable for everyone. Proactive Approach: It's crucial to be proactive in addressing tax debt rather than avoiding it, as early action can prevent further complications. Vetting Professionals: When seeking professional help, it's essential to verify credentials, ask about experience with similar cases, and listen to your instincts. Key Links Website - GoldenLionTaxSolutions.com Book - Tax Debt Rule #1: There's ALWAYS A Solution Facebook - Golden Lion Tax Solutions LinkedIn - Morgan Anderson, EA, NTPI Fellow   Contact the Host - vince@thecfoathome.com  

For so many of us, when we think of budgets and managing our money, what immediately comes to mind are things like restriction, sacrifice, or even conflict if money fights and disagreements are what we saw in our households growing up. If you have a partner who you manage money with, this can present challenges whether that person is you or them. But what if there's another, healthier way of managing your money? That's the discussion on this episode of CFO at Home with Aqura Nicholson, a money coach who empowers women entrepreneurs to master their money. You can learn more about Aqura by checking out her website AquraNicholson.com or her podcast Women Talk Money on your favorite podcast app. Key Takeaways: Understanding your personal financial goals is crucial for effective money management. A healthy approach to managing money involves spending on what you truly enjoy while still working towards financial goals. Open financial communication and respect for individual preferences are vital in relationships. Avoiding extreme financial restrictions can prevent financial burnout and relapse. Building cash reserves and stabilizing expenses are essential steps before tackling debt payoff Ways to Contact Aqura Nicholson Women Talk Money on Apple Podcasts Aqura | Money Coach for Small Businesses (@aquranicholson)  Contact the Host - vince@thecfoathome.com  

Most of our time on this podcast is spent talking about how to prepare ourselves financially for the future; saving to meet different life goals, investing for retirement, things like that. What we don't spend nearly as much time discussing are other topics that are just as important; things like finding meaning along the journey, be it through your job or other pursuits, and preparing emotionally for retirement. On this episode of CFO at Home, Vince dives into these topics and more with Michael Kay, Certified Life Coach and the creator of Chapter X, a community for men transitioning to life after their careers. You can learn more about Michael and Chapter X by visiting michaelfkay.com Key Takeaways: Understanding your personal values and interests is crucial for a fulfilling retirement. Men often struggle with identity and purpose after leaving their careers due to societal conditioning to be competitive and independent. Building interdependent relationships and being open to new experiences can help ease the transition into retirement. Early emotional preparation for retirement is as important as financial preparation. Exploring personal interests and hobbies can provide a sense of purpose and satisfaction post-retirement. Key Links: michaelfkay.com  The Feel Rich Project  Michael F. Kay | Facebook Contact the Host - vince@thecfoathome.com  

In his book Not Another Lecture - 20 FinBit$ of Unsolicited Dad Wisdom about Money, Johnny Bohan uses his background as a Certified Financial Planner, college finance professor, and most importantly, a Dad, to share in a humorous way simple, straightforward, tips on how to how to manage money with his readers. Today on CFO a Home, you'll get a double shot of dad wisdom from Johnny and Vince as they discuss the importance of getting a clear picture of your financial situation, “roboing” your savings, “boring” versus “trendy” investments, and more. You can learn more about Johnny and Not Another Lecture by going to JohnnyPBohan.com Key Takeaways: Understanding your assets and liabilities helps you to develop a clear picture of your financial situation   Automating your savings can help you build financial stability without the need for constant oversight While trendy investments like cryptocurrency can be enticing, a balanced approach with a focus on long-term, stable investments can provide a more solid foundation Having a "money buddy" can help you to stay accountable  Key Links: Website - johnnypbohan.com Instagram - Not Another Lecture Contact the Host - vince@thecfoathome.com  

In our last episode, Vince discussed conservative politics and the Black community with author, consultant, and entrepreneur Philip Blackett. This week, Philip and Vince wrap up their discussion, this time focusing on the upcoming Presidential election from the perspective of the economy, and the wealth gap between Black Americans and other groups. Key Takeaways: Philip believes that conservative economic policies, such as smaller government and lower taxes, can be more beneficial for Black Americans. Government spending and national debt are critical issues that affect personal finances and future generations. The COVID-19 relief efforts had mixed results, with some programs being misused or not effectively targeted. Student loan forgiveness is a controversial topic, with differing views on its fairness and economic impact. Closing the wealth gap in the Black community requires a focus on education, entrepreneurship, and self-sufficiency. Key Links: Website - PhilipBlackett.com Podcast - The Christian Conservative Capitalist Commentary Contact the Host - vince@thecfoathome.com  

This is a podcast about Personal Finance and Money. That being said, occasionally it's tempting to go a bit off-script. This week's episode is an example of giving into that urge. In last week's episode, Vince had a conversation with author, consultant, and entrepreneur Philip Blackett on the subject of artificial intelligence, and its potential impact on our jobs and careers. For the next 2 episodes, Philip, a self professed political conservative, and Vince go down a different path; discussing how, as a Christian Black man, Philip came to embrace conservative politics and believe it represents the best political path forward for the Black community, economically and otherwise. The result is a lively but respectful discussion of different viewpoints. If this episode intrigues you, check out Philip's new podcast, The Christian Conservative Capitalist Commentary on your favorite podcast app. Key Takeaways: Philip's journey from liberal to conservative is deeply rooted in his Christian faith and the alignment of his beliefs with the Republican platform. Voting often reflects personal values and financial priorities, making it essential to evaluate which political platforms align with one's beliefs. The importance of looking beyond the presidential race to down-ballot candidates who can significantly impact local and national policies. Key Links Website - Philip Blackett.com Podcast - The Christian Conservative Capitalist Commentary Contact the Host - vince@thecfoathome.com  

As we hear story after story about Artificial Intelligence and how it's poised to revolutionize the way that we live and work, do you ever wonder how this revolution is going to affect you; change the way you work, or maybe even in time make your job obsolete? What steps can you take now to enhance the odds that AI has a positive impact on your personal economy? That's the subject Vince and his guest, Phillip Blackett, author of the book Future-Proof: How to Adopt and Master Artificial Intelligence to Secure Your Job and Career, tackle this week on CFO at Home. You can learn more about Phillip and Future-Proof by going to PhillipBlackett.com Key Takeaways/Quotes "AI is not going to take your job, but the person who knows AI, that person is going to take your job." "Artificial intelligence has been here for a while; it's just becoming much more advanced." "We don't have the luxury of thinking that this AI thing is just a fad that will just go away in a couple of years." "How do you cultivate a mindset around artificial intelligence that looks at it as an opportunity to collaborate with, rather than as a threat to fear?" Key Links Website - Philip Blackett.com Instagram - Philip Blackett (@philipblackett) • Instagram photos and videos Facebook - https://www.facebook.com/PhilipBlackettFB/ LinkedIn - https://www.linkedin.com/in/philipblackett/ Twitter - https://twitter.com/PhilipBlackett Contact the Host - vince@thecfoathome.com  

On our last episode, we discussed Long-Term Care Insurance and options. Today my discussion with Bruce Weinstein, Co-Owner of Weinstein Wealth Insurance Solutions, focuses on Life Insurance; various types, and the roles they can play in our plans for wealth accumulation, protection, and leaving a legacy. You can learn more about Bruce and Weinstein Wealth Insurance Solutions by visiting PlanMan.tv Key Takeaways: (06:33) Life Insurance for wealth building and asset accumulation (26:42) Having the courage to have the conversation about life insurance  (27:18) Permanent Insurance (40:47) Common mistakes people make when evaluating life insurance Ways to contact/follow: PlanMan.tv 844-PLANMAN Contact the Host - vince@thecfoathome.com

Long-Term Care Insurance. Perhaps you were looking for something light and maybe a little informative to listen to while driving, walking the dog, exercising, or maybe knocking out a few household chores. Think Long-Term Care Insurance doesn't fill the bill? Heavy subject? At times. But it's a topic that will touch most of our lives at some point, whether it's concerning a relative, close friend, spouse, or ourselves. And on this episode, Matt McCann of McCann Insurance Services keeps the conversation informative, relatable, and easy to follow. Give it a listen and decide for yourself. You can learn more about Matt and services that he provides through McCann Insurance Services by going to mccannltc.net

It's that time of year. We're finally shaking off winter and either looking forward to, planning for, or dreaming of travel. And while a quick get-away to the beach or mountains is always great, what about those bucket-list trips, places we've wanted to go, experiences we've wanted to have, or interests that we've wanted to dive into, but just haven't gotten around to for some reason? Developing an intentional strategy for bucket list travel is the topic on this episode of CFO at Home with Christina Trotter, travel advisor, writer, and Founder of Destined Globetrotter. You can learn more about Christina and Destined Globetrotter by visiting destinedglobetrotter.com (07:15) Family Travel (14:43) Making Intentional travel plans (17:40) Creating your bucket list (41:15) Christina's site destinedlglobetrotter. com Key Links destinedglobetrotter.com Instagram - Chrissy Trotter (@destined_globetrotter)  https://www.facebook.com/DestinedGlobetrotter Contact the Host - vince@thecfoathome.com

When it comes to preparing for your retirement, at the end of the day, no one has as much on the line as you do. Even if you're fortunate enough to have access to financial professionals to advise you, what are some essential things that you need to keep in mind, and be on the lookout for, in order to look after your own best interest? That's the discussion on this episode of CFO at Home with Retirement Income Certified Professional and host of the Money Matters podcast Christopher Hensley. To learn more about Christopher and the Money Matters Podcast check out moneymatterspodcast.com Key insights: - The significance of understanding your retirement plan and healthcare options (11:00) - Converting retirement savings into steady income (27:15) - The impact of financial literacy on retirement readiness across different communities (45:00) Key Links Website - houstonfirstfinancialgroup.com MONEY MATTERS with Christopher Hensley         Contact the Host - vince@thecfoathome.com  

Despite our best efforts to budget, save, invest, and be careful with our spending, a single medical emergency can present significant challenges to even the most thorough of financial plans. Given the ever rising price of healthcare and healthcare insurance, what can we do to help manage the impact of these costs on our finances? That's the conversation that Vince has on this episode of CFO at Home with Robert Hertz, retired insurance agent and crusader against medical debt. You can learn more about Robert and his mission by going to theantidebtagenda.com (05:10) Initial Avoiding and dealing with accumulated medical debt  (13:50) Beyond the initial steps  (14:05) Under some federal legislation, unpaid medical bills are not reported to credit bureaus (21:03) Some doctors and even some hospitals will give you a payment plan (25:12) There are a couple of things that can be done nationally to reduce medical debt Ways to contact/follow: http://www.antidebtagenda.com/ Contact the Host - vince@thecfoathome.com  

Remember a couple of years ago when everybody was talking about Bitcoin, Cryptocurrency and NFTs? Hear much about them today? Was it all just a passing fad, or are there things about Cryptocurrency and the technology behind it that it would be beneficial for us to be aware of from a financial literacy standpoint? That's the discussion Vince has on this week's episode of CFO at Home with Professor Tonya Evans, Author of Digital Money Demystified, and host of the Tech Intersect podcast. You can learn more about Professor Evans, Digital Money Demystified and the Tech Intersect podcast by going to DigitalMoneyDemystified.com, or TechIntersectPodcast.com Show Notes: (3:16) Defining cryptocurrency and blockchain technology (9:46) The trust factor behind crypto and how it compares to traditional currency (17:15) The potential for marginalized communities to gain a first-mover advantage in the digital currency space (26:30) The importance of becoming financially literate in the digital age and the role of crypto assets (31:00) How recent events have affected the crypto market and what it means for investors (42:02) Practical steps for beginners to start exploring and understanding the world of crypto Ways to contact/follow: Tonya M. Evans Tech Intersect Podcast Digital Money Demystified Tonya M. Evans #DigitalMoneyDemystified (@ipprofevans) • Instagram Tonya Evans - Facebook Resources Coindesk.com Coinmarketcap.com Unchained Podcast Contact the Host - vince@thecfoathome.com

Google “Stressful life events”, and more often than not the results will list divorce as #2, right behind the death of a spouse or loved one. For all of the stress and pain that comes with the process, how can the financial part of a break-up be handled in a civil, respectful, and fair manner? That's the topic that Vince dives into on this episode of CFO at Home with Leah Hadley, founder of Intentional Divorce Solutions, and host of the Intentional Divorce Insights podcast. You can learn more about Leah and Intentional Divorce Solutions by going to IntentionalDivorceSolutions.com Show Notes (06:27) Leah serves as a financial neutral or an advocate during divorce (08:49) Common mistakes people make when going through divorce include giving up marital home (12:49) Taking the time to fully understand your assets (18:57) The importance of liquidity, having access to cash during transitions (21:43) Protect your credit throughout the divorce process (26:43) The importance of Financial Transparency  (29:13) Prenups (32:30) Leah offers support groups for women and men going through divorce Ways to Contact IntentionalDivorceSolutions.com https://www.instagram.com/intentionaldivorcesolutions Contact the Host - vince@thecfoathome.com