Hosted by Certified Financial Planner Practitioner, Eric Brotman, “Don’t Retire… Graduate!” is a podcast dedicated to teaching you how to advance into retirement rather than retreating. Each and every episode will leave you with inspiration and actionable advice that will guide you towards a seamles…
The Don't Retire...Graduate Podcast is truly a gem in the world of retirement and financial planning podcasts. Hosted by Eric Brotman, this podcast not only provides valuable advice on how to retire with enough money, but also emphasizes the importance of finding purpose in retirement. The guests on this podcast are incredibly relevant and offer insightful wisdom that listeners can apply to their own lives. Whether you're a financial advisor or someone preparing for retirement, this podcast is a must-listen.
One of the best aspects of this podcast is Eric's ability to bring calmness and clarity to the topic of retirement. He covers every aspect of retirement, leaving no stone unturned. From financial tips to deeper conversations about the meaning of life, Eric explores it all. The discussions on this podcast feel genuine and relatable, making it easy for listeners to connect with the content. The podcast also stands out for its transformational approach to retirement, encouraging listeners to view retirement as a graduation rather than an ending.
It's difficult to find any negative aspects about The Don't Retire...Graduate Podcast as it consistently delivers high-quality content. However, one potential drawback could be that some episodes may not resonate with every listener. As with any podcast, personal interests and preferences will vary, so not every episode may hit the mark for everyone. Nonetheless, there is a wide range of topics covered on this podcast, ensuring that there will be something valuable for everyone.
In conclusion, The Don't Retire...Graduate Podcast is a must-listen for anyone approaching retirement or interested in financial planning. Eric Brotman brings his expertise as a wealth manager while also providing entertaining and thought-provoking conversations with his guests. This podcast offers practical tips and strategies for navigating retirement while also promoting personal growth and finding purpose in this new phase of life. It's an informative yet enjoyable listen that will leave you feeling excited and prepared for your own retirement journey.
Welcome to Don't Retire… Graduate!—the podcast that's here to challenge the way you think about retirement. I'm your host, Eric Brotman, Certified Financial Planner Practitioner, and I'm excited to guide you in transforming retirement from a final destination into a new beginning—a graduation into the next great chapter of your life. Retirement isn't just about stepping away from a career; it's about stepping into a life that's filled with purpose, joy, and fulfillment. Whether you're counting down the days to retirement or just starting to plan, we're here to help you not just survive, but thrive in your post-career years. In every episode, we'll explore how you can make the most of this exciting time by setting new goals, pursuing passions that light you up, and building a legacy that truly reflects who you are. You'll hear from award-winning authors, financial experts, influencers, and everyday people with inspiring stories. Together, we'll uncover strategies for achieving financial independence, managing your wealth, and making decisions that support your dreams. We'll cover everything from personal finance and investing to retirement readiness, taxes, and more. And it's not just about the money—we'll dive deep into the emotional and psychological aspects of retirement too. How do you maintain your mental and physical health, nurture relationships, and stay connected to your community? We're here to help you design a lifestyle that keeps you engaged, curious, and excited about the future. And don't forget to check out our bonus content every other week, where you'll get to meet the incredible team of financial advisors at BFG Financial Advisors. We'll share real stories from the frontlines of financial planning and give you insider tips on how to make your retirement dreams a reality. Retirement is not the absence of work—it's the absence of needing to work. So, why not graduate into a life of purpose, passion, and financial freedom? Tune in to Don't Retire… Graduate! and let's make these years the best ones of your life. Subscribe now on your favorite podcast app and join us as we turn the page on traditional retirement and step into a life of limitless possibilities. I'm Eric Brotman—let's get you graduated. Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome to a very special episode of Don't Retire... Graduate!: our finale. After five seasons, we're graduating from the podcast in order to take financial literacy education into a new format, with a new edition of the Don't Retire... Graduate! book releasing soon and our new financial wellness program taking off. Rounding out the show with a bang, we have Cara Macksoud of Money Habitudes here to talk about her journey from Wall Street trader to leading a company that helps people identify their financial biases and make positive changes in their habits. We'll explore the importance of being open-minded and empathetic towards clients with different attitudes and behaviors, as well as the gradual nature of habit change. Key takeaways: Financial security is important for a comfortable retirement transition. It involves having a certain level of income and assets to maintain a desired lifestyle. It's crucial to understand your money habits and attitudes, as they play a significant role in your financial decision-making. The Money Habitudes assessment helps individuals gauge where they fall along six domains and identify biases or areas for improvement. Money is relational and tied to associations such as family, culture, and community. Understanding the non-verbal messages and influences around money can help shape healthy money habits and attitudes. Giving and philanthropy can bring joy and satisfaction, and it's important to align your philanthropic efforts with your values and passions. Incorporating philanthropy into your financial plan can bring both status and personal fulfillment. Thank you to everyone who has supported this show over the last five years and allowed us to be part of your personal finance journey. Also, a special thank you to our executive producer Sara Lohse and our audio engineer Russ Riba for making this podcast happen. Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Noah's question: “What can you tell someone in their 20s who is already worried about not being able to retire in the future?” This is a lot of stress to put on yourself so early in your life and career, but there are a few pieces of advice that Eric can share for you. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! On today's episode, we're getting personal and bringing in a member of the BFG family. Financial advisor Cody Niedermeier recently got married and is sharing his experience and advice for handling financial conversations before and after saying "I do." Even as a financial advisor, it can be hard to handle conversations around money within a relationship. Cody talks about dropping a whopping $15 on her plastic engagement ring (on top of the diamond one, of course), how he proposed, and the plans they have for the future. Communication and transparency are key when it comes to financial planning for couples. It is important to have open conversations about joint accounts, bill payments, and beneficiary designations to ensure that both partners are on the same page and have a clear understanding of their financial goals. When planning a wedding, it is advisable to save for the engagement ring rather than borrowing money. Using a credit card to purchase the ring means that the spouse is essentially paying for it, leading to unnecessary debt. The cost of weddings can vary greatly. It is crucial for couples to financially plan for their wedding and manage expectations. By understanding their budget and prioritizing expenses, couples can prevent financial strain and focus on what matters most to them. Geography plays a significant role in financial and legal matters. Couples should ensure that their estate planning documents are done in the state they are living in, as state laws differ. It is also important to consider insurance policies and beneficiary designations, especially when moving between different states. The importance of comprehensive financial planning cannot be overstated. From consolidating old retirement accounts to adjusting employee benefits, couples should seek guidance from financial advisors to help them navigate this complex process. This includes finding professionals for tax planning, legal matters, and other important areas to ensure a solid financial foundation for their marriage. Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Olivia's question: “What advice would you give today that you wouldn't have expected to 10 years ago?” The advice does change over time, but with 30 years of experience as a financial advisor, it's clear that some of the basic fundamentals don't: paying yourself first and avoiding adverse debt. But economic conditions and products do change and there are things that we wouldn't have recommended a decade or even 5 years ago. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! On this episode we're joined by Hassan Thomas, the creator of the FYI FLI (For Your Information Financial Literacy and Investing) app and host of the FYI FLI podcast. He is here to share his story of beginning his entrepreneurial journey during a global recession, having to pivot a future after an injury, and growing a brand focused on teaching personal finance. In this episode we'll talk about: • Understanding your goals and finding someone who can help you achieve them is crucial. • Building a comfortable and goal-oriented working relationship with a coach is essential. • The internet has made information more accessible, allowing for self-education and learning new skills. • During times of economic uncertainty, having multiple income sources and financial literacy is important. • The current generation faces more financial challenges, with the need for multiple jobs and side hustles to support a family. • Financial education and applying knowledge can have an immediate and positive impact on personal finances. • Establishing an emergency fund (or peace of mind fund) in a high-yield savings account is an excellent starting point for financial stability. • Continual learning and progress in financial education can lead to life-changing opportunities and success. • Having a plan, taking action, and being prepared are key factors in progressing and achieving financial goals. • Understanding how recessions impact individuals and their finances is essential for making informed financial decisions. Visit dontretiregraduate.com for a full transcript of this episode. About Hassan Thomas: Hassan R. Thomas: the new face of emerging FinTech and the Founder of a new APP called FYI FLI (For Your Information, Financial Literacy & Investing), and the CEO of HRT Enterprises LLC. @ceosanni @fyifli Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Charlotte's question: “What movie taught you the most about money?” Eric chose the movie The Ultimate Gift based on a book by Jim Stovall because of how it taught the value of money and how you can use it to make a difference. This is the opposite of one we often mention as more of a cautionary tale, which is Billy Madison. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! On this special 100th episode, we're joined by Marika Stimac, a life coach dedicated to helping people improve their financial literacy and achieve their financial goals. Marika, who has written a book called "Keys to Financial Confidence: Unlock Your Best Life," shares valuable insights and actionable steps to create a positive financial legacy. Marika talks about the importance of bringing awareness to the impact of one's financial situation and shifting to a more positive mindset about money, highlighting that financial legacy is not just about leaving behind a large sum of money but also about the mindset and values that are passed down. Join us to learn how you can be mindful about money and how your actions and words can influence others. In this episode we'll talk about: •Actions and words around money influence others in your life. •Shifting to a positive mindset about money can create a financial legacy. •Being mindful of how you handle money can potentially help others in their lives. •Financial legacy is not just about the amount of money one leaves behind, but also the mindset. •Leaving a financial legacy involves creating meaningful connections and thoughtful gestures. •Legacy is about leaving gifts of opportunity, experience, and influence for children, not just material possessions. •Mindset and habitual practices play a significant role in financial behaviors. •Identifying and understanding the origin of money stories can lead to healthier financial behaviors. •Overcoming money drama and reframing mindset is crucial for financial success. •Personalized investing aligned with your passions and goals can lead to meaningful financial growth. Visit dontretiregraduate.com for a full transcript of this episode. About Marika Stimac: I became a life coach with the intent of helping people unlock their best lives but quickly recognized how many people are held back by their financial insecurities. Now I am dedicated to empowering individuals to improve their financial literacy and feel confident in their ability to achieve their financial goals and live the life they desire. @thefinancialconfidencecoach www.linkedin.com/in/marikastimac www.facebook.com/marikastimac www.pinterest.ca/thefinancialconfidencecoach/ www.thefinancialconfidencecoach.com Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Oliver's question: “What should I know about finances before I buy my first home?” Well done for thinking ahead! There are so many costs that go into home ownership that are different from renting, like maintenance, taxes, and furnishing. Listen to what Eric thinks is important to know before you make the purchase. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! On this episode we're joined by John Crane, a financial advisor and author of The One Number Budget. In the episode, Eric and John share their dislike of traditional budgeting—which Eric less-than-affectionately calls the “B-word”—and go through John's exercise of finding the “one number” you need for this new budgeting concept. In this episode we'll talk about: •Budget shaming and why it's harmful •Taking a lifetime approach to budgeting •What it means to find your number and how to do it •Importance of financially funded retirement •Avoiding financial vampires •Figuring out how to use accumulated wealth, create income, manage taxes, and avoid running out of money before running out of oxygen •The concept of human life value and why it matters •How Target has perfected the art of being a financial vampire and driving impulse purchases •spending for love and how it can hurt your finances •long term care insurance and how it can impact multigenerational planning About John Crane: Author, financial advisor, and retirement income planner John W. Crane has spent more than a decade providing personalized financial guidance to business professionals, corporate executives, and medical specialists, utilizing a comprehensive planning process to identify each client's unique goals. He's a member of the National Association of Insurance and Financial Advisors and has received top honors from the premier association of financial professionals, MDRT. A lifelong learner himself, John shares his expertise with students at hospitals and high schools throughout Washington, D.C. www.cranefinancial.com/ www.linkedin.com/in/johncrane/ Visit dontretiregraduate.com for a full transcript of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Jake's question: "How can I open a Roth IRA for my child?” This is a great question and a great way to set your kids up for success, but you need to understand how they work and how to use them. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! On this episode, Eric Brotman chats with financial industry veteran Troy Holt about the importance of financial literacy and shares some key strategies for managing your personal finances. Troy is passionate about financial literacy and explains how a job in finance can provide both community impact and personal satisfaction beyond merely making money. He is here to walk us through the seven money milestones he and his team have identified in the financial planning journey, starting with financial education and leading to building and protecting wealth. Listen now for tips on cutting expenses, generating income through multiple streams, and protecting wealth with proper insurance coverage and investment in income-producing assets. In this episode we'll talk about: • The importance of financial education • The areas in our finances where most people are not protected, including life insurance and disability insurance • Rules of thumb for emergency funds and managing debt • Cash flow and how to begin building wealth • Investing in income-producing assets and creating multiple income streams • Avoiding one-size-fits-all financial advice and finding an advisor that can act as a copilot Visit dontretiregraduate.com for a full transcript of this episode. About Troy Holt: Troy Holt is a skilled sales and account executive with over 20 years of experience in business growth, development and financial planning. As a Certified Financial Educator & Registered Financial Consultant, Troy is licensed in 20 states and is an independent coach, speaker, and trainer. He is well-versed in communication, leadership, and work ethic, and has a proven track record of success in his endeavors. He is the co-author of an Amazon Best Seller book and host of the Troy Talks podcast, where he shares his expertise and personal stories to inspire others. Troy is also the CEO (Chief Encouragement Officer) of Troy Holt Consulting LLC, a growing financial consulting company focused on empowering and educating individuals and small business owners on wealth accumulation, preservation, and debt elimination. Troy is an engaging and motivating speaker, mentor, and Independent Coach, Speaker, and Trainer with The John Maxwell Company, who has made it a personal mission to eliminate financial illiteracy, particularly in the African American community with a focus on black women. Troy is a 33-year member of the same church, serving in ministry for 29 years and as a Licensed Elder with the Pentecostal Assemblies of the World for 26 years. He currently resides in Pensacola, FL with his wife of 31 years, one adult son, and three grandchildren. Troy Holt's LinkedIn: https://bit.ly/3dru6pP Troy Holt's Instagram: https://bit.ly/3YEo9OZ Troy Holt's Twitter: https://bit.ly/33EMQ2W Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Colby's question: “When should somebody start investing?” The short answer is as soon as you have money available to invest, but the conversation doesn't stop there. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! Today's guest has used Airbnb to reach financial freedom early and is teaching others how to do the same. Zeona McIntyre is an author, realtor, investment consultant, and speaker who has been helping people house hack and build their portfolios of short and medium-term rentals for several years. She sat down with Eric to talk about how she has reached her financial goals, the lessons she has learned through experience, and how she has shaped her career to allow for her ideal lifestyle. Listen to the conversation and then reach out to Zeona and tell her what it is that would make you happy. In this episode we'll talk about: • How Zeona started with AirBNB when $50,000 in debt • Things that can go wrong when managing rental properties • Why you should install cameras in your rental properties (and what happened before Zeona learned that lesson) • The FIRE movement and how she got involved • Suze Orman and the traditional, slow retirement ideology • How Zeona hit her retirement number within two years through real estate investing • Why real estate investing is not actually passive income • Protecting yourself from liability as a property manager • Zeona's succession plan • Acting despite fear Visit dontretiregraduate.com for a full transcript of this episode. About Zeona McIntyre: Zeona McIntyre is an Author, Realtor, Investment Consultant, and Speaker. She has been an Airbnb host since 2012, and she now uses her decade of experience to help her clients House Hack and build portfolios of short & medium-term rentals. She is an avid Real Estate Investor owning a double-digit portfolio of furnished rentals across five states. She is the co-author of the BiggerPockets book "30 Day Stay. A Real Estate Investor's Guide to Mastering the Medium-term Rental''. Instagram: @zeonamcintyre Facebook: zeona.mcintyre YouTube: @ZeonaMTR Website: https://www.zeonamcintyre.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Ava's question: “How much does money matter in a relationship?” This is a multifaceted question with different types of relationships, but in all types, it is necessary to have communication, transparency, and honesty. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! This is an episode unlike any we've done before. Our guest is Rachael Schlimmer, a nomad who is traveling more often than she isn't but is ready to start putting down roots and planning out her future. While we promised not to call this an intervention (or a séance for that matter), Rachael was at a crossroads and needed someone to interfere, if only to help her stop doubting herself. She and Eric sat down for what is almost a financial planning consultation to discuss her goals, explore opportunities for cash flow, and get her to the realization that what you think your life is supposed to look like is not necessarily what it should look like. And, like many initial financial planning conversations, there was very little talk of money and a lot of talk of what she wants to be when she grows up. Listen now to go on this self-discovery journey with us. In this episode we'll talk about: • Turning your passions and hobbies into your career • The career paths that allow for the nomadic lifestyle that Rachael loves • Redefining the idea of “home,” and finding home in the people you meet • The skills you need (or don't need) to make a living • Barbara Sloan's book Tipped and the value it holds for those with less traditional income Visit dontretiregraduate.com for a full transcript of this episode. About Rachel Schlimmer: I've been semi-nomadic for the last 5-6 years, working for most of a year, travelling for 8-10 months. I'm working towards putting down some roots and building some stability, and part of that is upping my long-term finance game. Fortuitously met Eric over the bar top of a hotel restaurant I'm newly coffee slinging for, and here we are! Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Matt's question: “How do you effectively balance among saving, retirement, and expenses?" There is no rule of thumb here, but we may be able to find a balance that works for you. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! We have two very special guests today, Julien and Kiersten Saunders. They are the hosts of the Rich and Regular podcast and Money on the Table video series and authors of their recently published book, “Cashing Out: Win the Wealth Game by Walking Away.” The couple joins us to talk about how the finance game is rigged against minorities and how they built their wealth—and paid down mind-numbing debt—despite the challenges they faced. This is a powerful episode you won't want to miss! In this episode we'll talk about: • How not to start a relationship. • Julien and Kiersten's story and why they wrote their book the way they did. • The barriers and challenges that people of color face, particularly in finance. • Wage and income gaps and how they're still prevalent. • The history of slavery and share cropping and how they still impact us. • Choosing your boss wisely and finding one that advocates for you. • Paying yourself first and having courage to invest money. • Treating personal finance as financial hygiene. • Becoming a connector and the value of community, both virtual and in person. • Paying off debt the way you chop down a tree. About Julien and Kiersten Saunders: Julien and Kiersten are authors of Cashing Out: Win the Wealth Game By Walking Away under Portfolio Books, an imprint of Penguin Random House. They are also the creative voices behind the blog richandregular.com, hosts/producers of the award-winning video series, Money on the Table, and hosts of the rich & REGULAR podcast. https://richandregular.com Visit dontretiregraduate.com for a full transcript of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Madeline's question: “Should I stop contributing to my 401(k) to pay for my daughter's college now or should I take loans and continue to invest in my retirement?” This a question many are facing, and there is no one perfect answer. However, retirement is the one thing you cannot borrow for so it's important to take care of yourself first financially before your children. Eric explains why. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Visit dontretiregraduate.com for a full transcript of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! Today's guest is as young and scrappy as her brand. Michelle Waymire founded her financial planning practice to help the LGBTQ+ community make sense of their finances in an environment that is uniquely designed for them. Her approach to financial planning means making your money work towards building a joyful, abundant, and giving life and she is here to share more about her story and how she is changing the industry to be less male, pale, and stale. Listen to her abundance philosophy and start changing your mindset. If not, well, bless your heart. In this episode we'll talk about: • Michelle launching a financial planning practice right before the pandemic took over the world • What it means to be a fiduciary • How young clients don't want their parents' financial advisor and how important it is to have a multigenerational financial planning practice • How women in finance are seen as assistants and secretaries regardless of position • A collaborative approach to financial advising • The abundance mindset vs striving for wealth • Abundance as a means to an end instead of an end goal • How financial planning for the LGBTQ+ community is different • Partnerships and collaborations that can help the LGBTQ+ community find a better financial advisor for them Visit dontretiregraduate.com for a full transcript of this episode. About Michelle Waymire: Michelle Waymire is a fiduciary financial advisor and financial coach, as well as the founder of Young & Scrappy, a specialty practice geared towards serving young professionals, artists/entrepreneurs, and LGBTQ+ folx. Michelle holds her Masters in Business Administration from the University of Tennessee, is a Chartered Financial Analyst (CFA) charterholder and CERTIFIED FINANCIAL PLANNER (tm) and has been quoted/featured in US News, Glamour, Bustle, local NPR, and many more. You can read about her work at www.youngandscrappy.com. Or check out The Young and Scrappy Instagram here: https://www.instagram.com/theyoungscrappy/ Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Alicia's question: “Can money actually buy happiness?” Over his 30-year career, Eric has seen people with more money than they could ever need who were miserable and some who were happy. The same can be said for those with more modest wealth. So what's the answer? Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Visit dontretiregraduate.com for a full transcript of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! Today's guest is known in the financial media space as the Frugal Gay and that frugality paid off. Tom Brickman reached financial independence through real estate investing and currently has 22 doors in Ohio and Texas. He is here to share his experiences, advice, and mistakes he has made so you don't have to. In this episode we'll talk about: •How Tom retired in his 30s through real estate investing •Advice for someone who wants to start in real estate with one house •Liability as a landlord and setting up LLCs •Setting up teams to handle maintenance for multiple homes •Using side hustles as financial safety blankets •The mindset shift that comes with financial freedom •Other financial investments Tom uses to grow his portfolio •The difference between income and wealth •Starting with a budget and understanding where your money is going •Setting goals for real estate investing and how to get started Visit dontretiregraduate.com for a full transcript of this episode. About Tom Brickman: Tom Brickman 40, Married dog dad from Dallas TX. Recently retired from 9-5 to work on Real Estate (22 doors) a resale business and TheFrugalGay.com. Tom provides one on one coaching and covers financial literacy & real estate for building wealth. Resources: www.Thefrugalgay.com.com https://twitter.com/Thefrugalgay11 https://instagram.com/thefrugalgay11 https://brotmanmedia.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers James's question: “What do I do with my 401(k) when I change jobs?” There are several things to consider regarding your 401(k), including whether or not you've vested in the matched contributions and if you should move it somewhere else or leave it where it is. Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! Today's guest is an advocate and educator for a community that is often left out of the traditional financial journey: service industry workers. Barbara Sloan is the author of Tipped: The Life Changing Guide to Financial Freedom for Waitresses, Bartenders, Strippers, and All Other Service Industry Professionals. She went from homeless at age 15 to six figures of debt at 20 and worked every tipped position available as she navigated the world of personal finance. She is now a business owner and a financial coach that focuses on empowering those who don't have access to traditional employee benefits or regular paychecks. Her story and insights are truly valuable, so listen now! In this episode we'll talk about: • The unique financial circumstances faced by those in the tipped economy • How the traditional personal finance conversations exclude those who work for tips, like 401(k)s, HR departments, predictable incomes, and employee benefits • How skills you develop in the service industry can translate into business • The difference between financial advisors and investment advisors • How to find financial literacy resources • A debate on whether or not “budget” should be a bad word • Understanding debt and the mindset behind it • Financial legitimacy for people who make their money in single dollars • Sorting out your “why” to move forward in your financial life • The impact current government conversations could have on tipped workers Visit dontretiregraduate.com for a full transcript of this episode. About Barbara Sloan: Barbara Sloan is the author of the book Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals. A homeless teen, who danced for dollars, and definitely did not graduate from college. She is now a personal finance expert and money coach that spent two decades working in every imaginable position in the Service Industry all over the country. In addition to owning and running a badass women owned Construction company in the heart of Manhattan, she helps Tipped workers achieve Financial Freedom, like she did. She is passionate about all of the amazing aspects of Tipped work and passionate about all of the terrible aspects of Tipped work. She lives in New York City with her wife of 10 years, an esteemed corporate finance exec, and together they are a couple of adorable money nerds who point out every dog they see. www.tippedfinance.com @tippedfinance on all socials Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Olivia's question: “what should I do with my tax refund?” There are plenty of ways to answer this question: spend it, invest it, save it... But Eric's #1 piece of advice is not to have one at all. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Visit www.dontretiregraduate.com for a full transcript of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! While nobody goes into a marriage thinking about divorce, it's one of only two ways every marriage ends (the other being death, of course). Today's guest Tracy Coenen has seen her fair share of divorce and is here to talk about a common cause for marriages to end: financial infidelity. As a forensic accountant, Tracy is here to share red flags you can look for if you suspect your spouse or partner of hiding money, how you can do your own forensic accounting, and her experience navigating this marriage minefield. Don't run out and make a secret email address right away, but definitely listen to this episode! In this episode we'll talk about: • Which gender is more likely to hide money in a marriage • The differences seen by financial advisors and forensic accountants • The importance of discussing finances in a marriage/partnership and why it should be a regular conversation • What financial infidelity means • Red flags to look out for if you suspect your spouse of financial infidelity • What a forensic accountant does and how to find your spouse's hidden money • The best ways for a couple to title or share their money and bank accounts • What to do if you suspect your husband or wife is hiding money and how to assess if there is fraud or dishonesty • How to prepare for a potential divorce About Tracy Coenen: Tracy has been investigating fraud for more than 25 years, but she didn't always want to be a forensic accountant. With a dream of one day being a prison warden, Tracy went to Marquette University in Milwaukee, WI to get a criminology degree. A class on financial crime investigations reminded her how much she loved Encyclopedia Brown books as a kid. She continued her criminology degree, but added accounting and economics courses so she could sit for the CPA exam… and here Tracy is, finding money in cases of corporate fraud, high net worth divorce, and other financial shenanigans. Resources: Visit dontretiregraduate.com for a full transcript of this episode. https://www.divorcemoneyguide.com https://www.instagram.com/divorcemoneyguide Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Kate's question: “Will financial advisors become obsolete? ” With the growth of FinTech and robo-advisors, the role of a financial advisor does seem to be changing but it may also be becoming more important to have someone in your corner. Have a question? Tweet it to us at @BrotmanPlanning, or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! Today's guest is Bobbi Rebell, a fellow University of Pennsylvania alum, is here for a reunion to talk about topics that we're all thinking about (at least, we money nerds are): financial wellness, student loans, stress, and how to prepare the next generation for the future. Bobbi is the host of the Money Tips for Financial Grownups and author of her new book, Launching Financial Grownups: Live Your Richest Life by Helping Your (Almost) Adult Kids Become Everyday Money Smart, and a financial wellness advocate. Listen to her share her story and then go check out her podcast (specifically, Eric's episode of course). In this episode we'll talk about: • Bobbi's background and how she became a journalist, CFP®, writer, and financial • Financial influencers, the finance media, and how dangerous it can be to talk about money when you don't have credentials • Bobbi's book, Launching Financial Grownups, and how it came to be • The change from helicopter parenting to concierge • The student loan crisis and how to get young adults to understand the impact • Negotiating merit scholarships and financial aid for college • Financial Wellness Strategies • Financial stress in the workplace and how it affects a company • Getting the next generation ready to inherit wealth and take over financial decision making Visit dontretiregraduate.com for a full transcript of this episode. About Bobbi Rebell: Bobbi Rebell, CFP® is the founder of Financial Wellness Strategies and the author of Launching Financial Grownups: Live Your Richest Life by Helping Your (Almost) Adult Kids Become Everyday Money Smart. She is a financial wellness advocate, the host of the Money Tips for Financial Grownups podcast and the founder of GrownupGear.com. Bobbi was previously a global business news anchor and personal finance columnist at Reuters and held various journalist positions at top news outlets including CNBC, CNN and PBS. Bobbi Rebell Website Bobbi Rebell Instagram Bobbi Rebell Twitter Bobbi Rebell LinkedIn Bobbi Rebell TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Morgan's question: “What's the difference between a fee-only and a fee-based financial advisor?” This is a great question and understanding the different fee structures for financial advice and when they are appropriate can help you choose your advisor. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! Today's guest is a military veteran, military spouse, and financial coach who works to help the military community gain control and confidence around their money. Lacey Langford, AFC® shares her story of military service, the challenges she has seen and helped military couples overcome throughout her career, and the conference she launched to combat some of those challenges. In this episode we'll talk about: • Lacey's experience in the military • The different experiences that military families have with money that are different from civilians • Why military spouses are often under- or unemployed or not allowed to work • The decisions that have to be made when a servicemember is relocated • Planning for transitions and handling transitions that you cannot control • Having a plan for a post-military career • Resources available within the military • The MilMoney Conference and how you can get involved (https://milmoneycon.com/) Visit dontretiregraduate.com for a full transcript of this episode. Please visit https://bfgfa.com/discount-programs/ to learn about our Hometown Heroes discount programs for veterans, active duty military, military families, and first responders. About Lacey Langford: Lacey Langford, AFC® is a financial coach, veteran, military spouse, and entrepreneur who changes people's mindset from being fearful of money to having control and confidence with it. She's an Accredited Financial Counselor® with over 15 years of financial planning, counseling, and coaching experience. Military and money are her jams. Lacey's the founder and CEO of the Military Money Show, a podcast dedicated to helping the military community with personal finance, and MilMoneyCon, a national conference for financial professionals united by military service. Lacey Langford, AFC® is a financial coach, veteran, military spouse, and entrepreneur who changes people's mindset from being fearful of money to having control and confidence with it. She's an Accredited Financial Counselor® with over 15 years of financial planning, counseling, and coaching experience. Military and money are her jams. Lacey's the founder and CEO of the Military Money Show, a podcast dedicated to helping the military community with personal finance, and MilMoneyCon, a national conference for financial professionals united by military service. Guest Resources: Lacey Langford Website The Military Money Expert Podcast Lacey Langford LinkedIn Lacey Langford's Twitter Military Money Show Twitter Military Money Show Facebook Military Money Show Instagram Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Juan's question: “Is it better to skip investing in the stock market and buy real estate instead?” It's not necessarily wise to go all in for either option, and Eric explains the pros and cons of each. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! Today's guest is the inspirational Laura Cathcart Robbins, host of The Only One in the Room podcast and author of the upcoming memoir Stash: My Life in Hiding. Laura opens up about her struggle with addiction—a story she'll share in depth in her book—and her journey out of hiding and into a career as a podcast host and writer. She is truly a remarkable person with a great message of recovery, resilience, and grace that we all could benefit from. In this episode we'll talk about: •Eric's appearance on The Only One in the Room and how he's calling out the male-dominated industry •Laura's story as growing a career in writing and public relations as a high school drop out •Her experience living with a pill and alcohol addiction, checking into rehab, and going through a divorce within the public eye •How being the only black woman in a room of 600 people led to her launching her podcast, The Only One in the Room •The process of writing her memoir •Being vocal when you find yourself in a room lacking diversity Continue the conversation with Eric's appearance on The Only One in the Room: https://brotmanmedia.com/the-only-one-in-the-room/ Visit dontretiregraduate.com for a full transcript of this episode. About Laura Cathcart Robbins: Laura Cathcart Robbins is the host of the popular podcast, The Only One In The Room, and author of the forthcoming Atria/Simon & Schuster memoir, STASH (March 7, 2023). She has been active for many years as a speaker and school trustee and is credited for creating The Buckley School's nationally recognized committee on Diversity, Equity, Inclusion, and Justice. Her recent articles in Huffpo and The Temper on the subjects of race, recovery, and divorce have garnered her worldwide acclaim. She is a 2022 TEDx Speaker, and LA Moth StorySlam winner. Currently, she sits on the advisory boards of the San Diego Writer's Festival and the Outliers HQ podcast Festival. Find out more about her on her website, or you can look for her on Facebook, on Instagram and follow her on Twitter. Laura Cathcart Robbins (@lauracathcartrobbins) https://theonlyonepod.com/ https://www.youtube.com/@TheOnlyOneintheRoomPodcast https://www.instagram.com/theonlyoneintheroom/ https://www.facebook.com/groups/TheOnlyOneInTheRoomPodcast https://twitter.com/TheOnlyOnePodc1 https://www.huffpost.com/author/laura-cathcart-robbins http://www.lauracathcartrobbins.com/ https://www.tiktok.com/@theonlyoneintheroom Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Logan's question: “will the stock market recover in 2023?” There's no way to know this for sure, but Eric shares his take on how this time is different, how the stock market may behave in the coming year based on history, and what you may want to start doing now. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Visit dontretiregraduate.com for a full transcript of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! and our first episode of 2023. Today's guest is going to lead you through an interesting exercise to get you thinking about your personal money story. Shaun Maslyk, the host of the Most Hated F Word podcast, helps people identify their money stories and use them to improve their own financial behaviors. Grab a piece of paper and a pen and join us in this powerful journey of self-discovery. In this episode we'll talk about: • Identifying our money stories and the life-long discovery journey it can be • The difference between work-life balance and work-life integration • A guided exercise in identifying our money stories and money traumas • A look into Eric's money story and understanding the moral to his story • How our money stories from childhood can impact us in the future • How people become intoxicated by money rather than being aware of our decisions Visit dontretiregraduate.com for a full transcript of this episode. About Shaun Maslyk: As a trained and practicing Certified Financial Planner® and Certified Financial Behavior Specialist® Shaun integrates psychology, positive psychology, and coaching psychology theories to awaken our money stories and flourish beyond our finances. Shaun is currently studying and researching the relationship between money, behavioural change, psychology and human flourishing at the University of East London. Shaun is the host of The Most Hated F-Word podcast where he interviews practitioners, academics, artists and creators on what it means to have a happy, healthy and thriving relationship with money. www.themosthatedfword.com Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Collin's question: "what is a good financial New Year's resolution?" Setting New Year's resolutions isn't always successful, but there are some easy actions you can take to improve your finances this year. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! Today's guest is a stay-at-home dad and author of the book Your Kids, Their Money, Clifton Corbin. Clifton met our team at FinCon22 and was instantly a kindred spirit, so he's here to talk about ways to teach your kids about money, how we can change the mindset around financial independence, and finding financial resources that resonate with you. Listen to his conversation with Eric and start having money conversations in your own home. In this episode we'll talk about: • What it means to be retired • Clifton's childhood as a money nerd • Giving a child an allowance vs. teaching a child to budget • Making money lessons relevant and age appropriate for children • Changing the mindset about financial independence • Filtering information and understanding which resources have value • The cost of education and whether or not college is worth the expense • The community within FinCon's annual conference About Clifton Corbin: Clifton D. Corbin, MBA, PMP, was a business consultant with over two decades of experience when he left the office to become a full-time stay-at-home dad. During this time, he authored his first book, Your Kids, Their Money, focused on providing parents with the skills and tools to teach financial literacy to their children. Resources Brotman Media Website: https://www.brotmanmedia.com/ LinkedIn: https://www.linkedin.com/in/cdcorbin/ Instagram: https://www.instagram.com/cdcorbin_/ Twitter: https://twitter.com/cdcorbin Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Janet's question: “Is there anything different that women should be doing differently than men when it comes to financial planning?" With women living longer and often outliving a spouse, there can be a few aspects of a plan that affect women greater than men. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! Today's episode is free therapy as we're joined by Dr. Doreen Downing, an expert on public speaking anxiety and finding your voice. Dr. Downing is a psychologist and confidence coach who specializes in the treatment of public speaking anxiety. She is the host of the Find Your Voice, Change Your Life podcast and teaches her 7-step process for transforming anxiety through presence and connection. Listen to her conversation with Eric and follow her steps to find your own voice. In this episode we'll talk about: • Public speaking anxiety and where it comes from • How to overcome the fear of public speaking • Getting comfortable talking about things you're uncomfortable talking about • Setting realistic goals and visions for your future • Focusing on being rather than doing • Facing fears, financially or in life Visit dontretiregraduate.com for a full transcript of this episode. About Dr. Doreen Downing: Dr. Doreen Downing is a Psychologist and Confidence Coach who specializes in the treatment of public speaking anxiety. She also hosts the Find Your Voice, Change Your Life Podcast. Doreen once suffered from extreme stage fright. In conquering it, she discovered being connected to your authentic self is the key to relaxed and confident speaking. In addition to coaching and online courses, she is author of Essential Speaking: The 7-Step Guide to Finding Your Real Voice, a book that teaches you how to transform your anxiety with presence and connection. Website: https://www.essentialspeaking.com Course website: https://essential-speaking.thinkific.com LinkedIn: https://www.linkedin.com/in/drdoreenh/ Facebook Profile: https://www.facebook.com/drdoreendowning/ Facebook Business Page: https://www.facebook.com/EssentialSpeaking Facebook Book Page: https://www.facebook.com/essentialspeakingbook Instagram: https://www.instagram.com/essentialspeaking/ Twitter: https://twitter.com/drdoreenh YouTube Channel: https://www.youtube.com/user/drdoreenh Podcast Playlist: https://www.findyourvoicechangeyourlife.com Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Amanda's question: “How might Social Security change in the future if there is a large cost-of-living adjustment in 2023?” Between the high number of boomers retiring and the low number of people joining the workforce, it's only natural that Social Security will look a lot different for Gen Z, Millenials, and even Gen X. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! With the holidays right around the corner, it's a perfect time to spread a little joy and who better to help us do that than the human sparkler herself: Tamra Andress. She is a thought leader in spiritual entrepreneurship who is helping business owners break out of their comfort zones, let others take the wheel, and build a brand with authenticity. Listen to her story and how she made the choice to redefine her success. In this episode we'll talk about: •What it means to be “always becoming” •How legacies are seen as money, but should be something far deeper •Tombstone moments and how Tamra made the decision to change her own life in search of fulfillment •Redefining wealth and legacy •Turning work into play and finding joy in what you do everyday •The elements of building a business and a brand with authenticity •The power of retreats and why they're helpful in life and in business •Why comfort zones are where people go to die •Surprises and the power of not knowing •Entering your transformation zone and capturing your message that can become your business, podcast, book, or legacy Visit dontretiregraduate.com for a full transcript of this episode. I've been called a human sparkler (who doesn't need a little sparkle in their life) and a top thought leader in spiritual entrepreneurship. I'm an international speaker, 2x best selling author, and the founder and chief evangelist of F.I.T. in Faith Media Company. As an ordained minister, I am commissioned to activate purpose-driven leaders personally and professionally with their broadcasted messages and businesses through publishing, podcasting, and play. Yes, work should be fun! My role as an event host to annual conferences and retreats enables me to help unleash identity and freedom around the world by bringing together other like-hearted and like-minded sisters and brothers! www.tamraandresss.com www.fitinfaithmedia.com Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Kyle's question: “Does giving my child an allowance teach them positive or negative lessons about money?” The short answer is it can do both, but there are ways to offer an allowance that can teach your child about saving, philanthropy, and other important life lessons. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Don't Retire… Graduate! We're holding the industry accountable today with the help of WTFintech creator and People of Finance podcast host, Nicole Casperson. Her passions for journalism and financial technology are helping underrepresented communities access financial services and she is a thought leader on how to improve the technology to better serve those communities. Listen to her story, eat some vegetables, and start improving your own financial behaviors. In this episode we'll talk about: • The WTFintech newsletter and how it helps grow representation within the finance industry • Gamification and how it can be both good and bad when it comes to finance • How finance apps like Venmo are designed to produce FOMO rather than good financial behaviors • The effects of culture on personal finance and financial behavior • Changing the mindset we have around money so it can be a tool for change • The game is rigged – why the majority is losing while a small number win • The power of authenticity and vulnerability in the media Visit dontretiregraduate.com for a full transcript of this episode. About Nicole Casperson: Nicole Casperson is the creator of WTFintech? - a twice-weekly industry newsletter with nearly 50,000 subscribers, and averaging a 45% unique open rate. She is the host of Humans of Fintech (formerly WTFintech?) - a weekly podcast taking you behind the scenes with some of the most successful fintech founders operating today. With a particular focus on women and operators from underrepresented backgrounds. Nicole on Twitter: https://twitter.com/nicolecasperson Nicole on LinkedIn: https://linkedin.com/in/nicole-casperson-0820a5133 Nicole's Podcast: https://podcasts.apple.com/us/podcast/humans-of-fintech/id1600731457 Nicole's Newsletter: https://workweek.com/brand/wtfintech/ Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's Office Hours, Eric answers Ben's question: "Is it better to pay in cash for daily purchases or use a credit card?” This answer can vary based on your spending habits, so Eric is here to outline who may benefit from each option. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
Welcome back to Don't Retire… Graduate! With Veterans Day coming up, we have a very special guest to talk about how she uses her own experience with finance and military service to serve the Veteran community. Dr. Ann James is a veteran of the U.S. Air Force, a Certified Financial Coach, and the CEO of Financial Freedom Battle Buddies, and is on a mission to help fellow veterans transform their financial well-being. We thank Dr. James and all her fellow veterans for their service and are proud to share her story with you today. In this episode we'll talk about: • Dr. Ann James's story of military service, single parenthood of a child of special needs, and how she found her passion for personal finance. • The importance of financial planning as a parent of a child with special needs. • The B.A.T.T.L.E. plan for financial freedom. • The loss of financial security many military families feel when they leave the service. • Necessary versus unnecessary debt. • The unique challenges that are faced by the military community and the challenges that come with working with the community. • Advice for military members who are still serving for transitioning out of the military. • What comes next and what Dr. James wants to be when she grows up. About Dr. Ann James Dr. Antoinette (Ann) James began her career as an enlisted member in the U.S. Air Force. Over her military career, she held numerous positions which included personnel administration and financial management. Upon earning her commission, she was responsible for executing multi-million-dollar operating budgets within the U.S. and overseas. After 21 years of proud service, she retired and went on to earn her Doctorate of Education. Currently, as a Certified Financial Coach and CEO of Financial Freedom Battle Buddies, Dr. Ann is on a mission to educate and equip military veterans on how to transform their financial well-being using her B.A.T.T.L.E method. She's been featured and cited on several platforms such as USA Today and the Penny Hoarder. In her free time, she enjoys traveling, reading and spending time with family and friends. www.drannjames.com Visit dontretiregraduate.com for a full transcript of this episode.
In today's Office Hours, Eric answers Michelle's question: “what's one big purchase you've made and regretted later?" Everyone experiences buyer's remorse at some point in their life, and Eric is no different. Hear what he has regretted purchasing in his life, and send us a message about your biggest spending regrets. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
Welcome back to Don't Retire… Graduate! Today's guest is Tiffany Grant, a financial counselor and the host of the Money Talk with Tiff podcast. Tiffany is a fantastic content creator within the personal finance space—except for her online quiz that must be broken if Eric did not get a perfect score—and is one of the many money nerds making financial literacy accessible to the public. Listen to her story and take her online quiz (after you listen to Eric giving out the answers, of course) to see if you can beat Eric's 92%. In this episode we'll talk about: • Tiffany's upbringing that led her to financial and professional success • Student loans and how to go through graduate school without paying tuition and/or getting paid • Financial literacy and the lack of education in most schools • Extra credit assignments and why those who need help aren't the ones who seek it • The Money Talk with Tiff podcast and how it's helping to spread financial education Visit dontretiregraduate.com for a full transcript of this episode. About Tiffany Grant: Where do I start? I am a self-proclaimed money nerd and proud of it! I live and breathe finances. After years of giving impromptu advice to family and friends, I said why not start a blog? This way all of the knowledge will have an online platform and reach even more people! From a young age, I was always money-conscious. I remember being as young as 6 and clipping coupons. Did anyone use them? Nope, but I found joy in going through the motions. When I got my first job at 16, I used coupons to get more bang for my buck. Once I saw how helpful they were, I used coupons for everything! Cashiers were impressed by a teenager leaving with a cart full of items for only $20. As time progressed, I wanted to do more with my money. I started investing at the age of 19. I had amassed a few thousand dollars but decided to sell it all when times got rough. Big mistake but I had to do what I could. I bought my first house at the age of 26. How? By saving, keeping a close eye on my credit, and living well below my means. Frugal is my middle name! Wealth-building is all about having goals and being laser-focused on accomplishing them. My next goal is to be debt-free (except the house) by age 30. What makes this even more amazing is I did it all while being a single mother of two little boys, working full-time, and going to school. Now, what's your excuse? Let's get started! Time is ticking! I have a Bachelor in Business Administration with a concentration in Management, Master of Business Administration (MBA), Accredited Financial Counselor (AFC), SHRM-CP, Lean Six Sigma Yellow Belt, and years of experience helping people like you! https://www.moneytalkwitht.com/
In today's Office Hours, Eric answers Emily's question: “how does the 2022 market correction compare to prior market corrections and what should investors do?" The factors causing the current market conditions are unique, but there is a common factor that exists between all the corrections we've seen in the past: fear. This episode will explain what is happening in the markets right now and what investors should be doing. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
Welcome back to Don't Retire… Graduate! Today's guest is Natalie Torres-Haddad MPA, AWA, a two-time TEDx speaker, award-winning author, and the host of Financially Savvy in 20 Minutes. Natalie's story of being raised by immigrants during the LA Riots, experiencing the cultural differences between the rich and poor, and learning about money the same way she learned a second language should serve as inspiration for anyone struggling to reach financial independence. We are so glad to have her here to share her story, discuss what it's like to be successful in an industry in which you're underrepresented, and that sometimes you just need to give yourself a little grace. In this episode we'll talk about: • Natalie's upbringing and personal finance became a language she had to learn • Being patient with yourself and figuring out what you can learn in 20 minutes each day • Generational and familial differences and how we all struggle differently • The field of finance and how breaking through it as a woman and/or a person of color is still a challenge • Figuring out what works for you and giving yourself grace • Learning from your mistakes more than when things go well Visit dontretiregraduate.com for a full transcript of this episode. About Nathalie Torres-Haddad: She is an international award winning author, educator and bilingual podcast host of Financially Savvy in 20 Minutes. Her expertise has been featured in Forbes, Huffington Post, LA Times, and many news outlets like Telemundo and Fox. A two time TEDx speaker known for her talk “The foreign language of financial literacy”. Some of her videos have received over a million views and is a sought out keynote speaker all over the country as a financial literacy and mental health advocate. A first generation college graduate from CSULB, in Finance and International Business with a Masters from CSUN, she focuses on helping those with debt and working toward financial independence. Her first children's book in 2020 Made the #1 best seller on Amazon: "A dress to remember" based on the nonprofit LA's Prom Closet she had for several years. Born in El Salvador, and raised in Inglewood she quickly understood that the lack of financial literacy limits her community of basic human rights and equality in resources. She started investing in real estate at age 24 and began her career advocating for financial literacy. http://financiallysavvyin20minutes.com/
In today's Office Hours, Eric answers Tony's question: “What's the easiest way for a beginner investor to get started?” The first step of any journey can be difficult, but in this case we think education is a great place to start. After that, it can depend on your goals and will take practice. Have a question? Tweet it to us at @BrotmanPlanning, or post it on our Facebook and it may be used in a future episode of Office Hours! Visit dontretiregraduate.com for a full transcript of this episode.
Welcome back to Don't Retire… Graduate! Today's guest is Joseph Hogue, CFA®, the host of Let's Talk Money! With Joseph Hogue, joining us to break down the art and science of investing and share his rules for making money in the stock market. Investing has become entertainment media and everyone wants to be slinging stocks, but Joseph shares his ideas about why very few people should really own individual stocks and why funds are better for the vast majority. Plus, hear his three rules to follow to not lose money when investing. In this episode we'll talk about: • What investing really is and how it can give everyone a taste of entrepreneurship • The reason people are scared or intimidated by investing • Human behavior and how we tend to make the wrong choices with our money • Looking at stock market crashes as flash sales • How to tell the difference between good financial advice and not-so good advice • Who should or should not own individual stocks and how to balance your portfolio for growth • The 3 rules to not lose money on stocks • When you should or should not sell your shares • Concentrated stock positions and overweighting your portfolio in one investment, including your own company • Income risk and financial risk in choosing your investments Visit dontretiregraduate.com for a full transcript of this episode. About Joseph Hogue Born and raised in Iowa, Joseph Hogue graduated from Iowa State University after serving in the Marine Corps. He worked in corporate finance and real estate before starting a career in investment analysis. He has appeared on Bloomberg and CNBC and led a team of equity analysts for a venture capital research firm. He holds a master's degree in business and the Chartered Financial Analyst (CFA) designation. Joseph left the corporate world in 2014 to build his online businesses, first through creating websites and later through his YouTube channel, Let's Talk Money. He's since grown the community to over 550,000 and reaches more than 1.8 million people a month through the blogs, YouTube and a weekly market newsletter. https://www.youtube.com/c/LetsTalkMoneywithJosephHogueCFA
In today's Office Hours, Eric answers Julia's question: “I'm getting divorced. How do I know if I'm getting a fair split of marital assets?” This can be a hard situation to navigate, but bringing in a financial professional is a great way to start. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
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