Face the Fear Podcast

Thomas Losher and Austin Ash are two innovative experts in the cash value life insurance space and young leaders within their organization. From growing up together as kids in Fort Wayne, IN to pioneering the future of insurance as colleagues, Thomas and Austin have developed a steadfast friendship centered on challenging one another to become their best selves. In this episode, they share their unique perspective on the value of life insurance and its importance in an overall financial plan for people of all ages.   We cover topics like:  What exactly is cash value life insurance? How does it work and why would someone want to consider it as a part of their financial plan?  Are there downsides to having cash value life insurance?  Can you access funds in a cash value life insurance policy? What does that look like, and how does it affect the policy long-term?   What is tax diversification and why is it important, specifically as it applies to our generation – Millennials and Gen Z?  Connect with Thomas Losher: LinkedIn  Connect with Austin Ash: LinkedIn  Face The Fear:  Instagram  Facebook  Twitter  Website   P.S. Kaitlyn Duchien, Austin Ash, and Thomas Losher are registered representatives of First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000. Content provided is for informational use only and is not to be constituted as financial advice. 

Bentley Heese is a Retirement Income Consultant and a proud father of Millennials who is eager to share the financial wisdom he's acquired over the years with younger generations. In this episode, we dive into topics like: As a parent of Millennials, how did you instill good financial awareness and skills in your children from an early age? How do you think finances, budgeting, retirement, etc. has changed between your generation and your children's generation? What can Millennials and Gen Z be doing today to create financial security for themselves in the future? Connect with Bentley: LinkedIn Email: bentley.heese@ashbrokerage.com Cell Phone: 804-873-1511 Face The Fear: Instagram Facebook Twitter Website  P.S. Kaitlyn Duchien is a registered representative of First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000. Content provided is for informational use only and is not to be constituted as financial advice.

Abby Vick is a powerhouse financial advisor and entrepreneur. After graduating from Taylor University with a social work degree and working in the Active Trader Group at Charles Schwab, Abby founded Paradigm Money Management with the goal of revolutionizing the financial services industry. She empowers women to dramatically shift their thinking around money and awaken their full financial potential. In this episode, we tackle questions like: What changes should the financial industry make to stay relevant and serve people who traditionally lack financial education? Why is it important to be wealthy instead of being rich? How do I build wealth? What is the fear/greed cycle? What unique challenges to women face when planning for their financial futures? How can we overcome these challenges and thrive? Tips to start investing! Connect with Abby: Instagram LinkedIn Website Free Financial Resources Face The Fear: Instagram Facebook Twitter Website  $avy Documentary: https://www.finishlinefeaturefilms.com/savvy/ Statistics: 53:00 - https://www.statista.com/statistics/242030/marital-status-of-the-us-population-by-sex/#:~:text=In%202020%2C%20there%20were%2068.43,and%2011.27%20million%20widowed%20women. 53:30 - https://www.forbes.com/sites/margueritacheng/2019/02/26/grey-divorce-its-reasons-its-implications/?sh=7292d72a4acd 53:38 - https://www.nirsonline.org/2016/03/women-80-more-likely-to-be-impoverished-in-retirement/ 1:01:00 - https://www.strategymarketing.ca/wp-content/uploads/Why-women-leave-their-financial-advisors-and-how-to-prevent-it.pdf 1:12:00 - https://newsroom.fidelity.com/press-releases/news-details/2017/Fidelity-Investments-Survey-Reveals-Only-Nine-Percent-of-Women-Think-They-Make-Better-Investors-than-Men-Despite-Growing-Evidence-to-the-Contrary/default.aspx P.S. Kaitlyn Duchien is a registered representative of First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000. Content provided is for informational use only and is not to be constituted as financial advice.

Are you feeling stuck financially? Are you overwhelmed and burned out, yet don't seem to be making any progress in your career? Are you ready to overcome your limiting beliefs and achieve your greatest desires? Then, this episode is for you! In this episode, we are joined by Elyse Archer, the founder of She Sells, a coaching program and community for women in sales who are breaking through six figures and revolutionizing the way sales is done. Elyse provides fascinating insights into topics like: What are the most common money myths or limitations that you hear from women you work with? How can we overcome them? How can women sell in a way that feels authentic to them? What is the She Sells Method and the $10k Club? How can I stand out and best market myself on LinkedIn? What are a few ways we can begin to overcome our self-defeating tendencies and leverage our personal power today?  Learn more about Elyse at www.ElyseArcher.com  Your First Six Figures Masterclass: www.elysearcher.com/sixfigures    Free Ebook - How to Create a Six Figure Morning Routine: https://elysearcher.com/how-to-create-a-six-figure-morning-routine/  She Sells Radio: www.elysearcher.com/podcast Face The Fear: Instagram Facebook Twitter Website - facethefearfw.com P.S. Kaitlyn Duchien is a registered representative of First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000. Content provided is for informational use only and is not to be constituted as financial advice.

Welcome Back to Face The Fear Podcast: Season 2! We have missed you! In this episode, we are joined by Meghan Cormany, a Disability Insurance (DI) Sales Development Specialist at Ash Brokerage (and just a fabulous human being overall). Meghan builds on our previous DI podcast with Tim Kukieza by answering questions such as: Why should a Millennial consider having Disability Insurance (DI)? When is the best time to purchase coverage? How I choose the right DI coverage for me? Are there certain occupations that claim DI benefits more than others? Does DI cover loss of work due to depression, stress, or other mental health issues? If I pay for DI and never claim benefits, do I lose all of the premiums I paid? (The answer may surprise you!) Don't forget to subscribe! Questions? Email us at facethefearfw@gmail.com! Meghan Cormany: LinkedIn Face The Fear: Instagram Facebook Twitter Website - facethefearfw.com P.S. Kaitlyn Duchien is a registered representative of First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000. Content provided is for informational use only and is not to be constituted as financial advice.

Welcome Back to Face The Fear Podcast: Season 2! We have missed you! In this episode, we are joined by Meghan Cormany, a Disability Insurance (DI) Sales Development Specialist at Ash Brokerage (and just a fabulous human being overall). Meghan builds on our previous DI podcast with Tim Kukieza by answering questions such as: Why should a Millennial consider having Disability Insurance (DI)? When is the best time to purchase coverage? How can someone choose the right DI coverage for them? Are there certain occupations that claim DI benefits more than others? Does DI cover loss of work due to depression, stress, or other mental health issues? If I pay for DI and never claim benefits, do I lose all of the premiums I paid? (The answer may surprise you!) Don't forget to subscribe! Questions? Email us at facethefearfw@gmail.com! Meghan Cormany: LinkedIn Face The Fear: Instagram Facebook Twitter Website - facethefearfw.com P.S. Kaitlyn Duchien is a registered representative of First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000. Content provided is for informational use only and is not to be constituted as financial advice.

In this episode, we are joined by Kelly Dancy, an Estate Planning Attorney with Walny Legal Group in Milwaukee, WI. Kelly breaks down the importance of Estate Planning and busts several common myths, like "I only need to have an estate plan if I'm old and have a lot of money." (SPOILER ALERT: that is FALSE!) We also cover: What happens if someone dies without an estate plan? How are estate plans created? Other than a will, what are a few other important documents for estate planning? How should Millennials start a conversation with their parents/grandparents about creating or revisiting their estate plan? Don't forget to subscribe! Questions? Email us at facethefearfw@gmail.com! Kelly Dancy: Website: https://walnylegal.com/ LinkedIn: https://www.linkedin.com/in/kelly-dancy-30016214/ Face The Fear: Instagram - @face.the.fear Facebook - https://facebook.com/FaceTheFearFW Twitter - @Face_The_Fear Website - www.facethefearfw.com

Face The Fear Podcast is BACK & better than ever! In this episode, we're joined by fearless leader & entrepreneur Tim Ash, CEO of Ash Brokerage. Grab some coffee and listen in as we discuss what leads to success, how to stay inspired, and when it's time to step outside your comfort zone. Prepare to be encouraged, motivated, and empowered to overcome whatever is holding you back! Don't forget to subscribe! Questions? Email us at facethefearfw@gmail.com! Face The Fear:  Instagram - @face.the.fear Facebook - https://facebook.com/FaceTheFearFW  Twitter - @Face_The_Fear Website - www.facethefearfw.com YouTube: https://www.youtube.com/channel/UC5PcXSzVvR9KZKWm4Ihh3pg

You've asked & we (finally) answered - let's tackle student loans! According to the U.S. Department of Education, outstanding Student Loan Debt has now reached a staggering 1.56 TRILLION in 2020. Over 44 million Americans have outstanding student loans and the average debt per individual is $32,731 - WOAH! It's time for us to Face The Fear of Student Loans - understand what they are, how they work, and find the best way to pay them off! To see the white board David uses during the podcast, click here: https://facethefearfw.com/index.php/2020/05/01/lets-talk-student-loans-with-david-hessel-cslp-certified-student-loan-professional/ To learn more about David Hessel, click here: www.davidhessel.com To get the details on student loan planning, click here: www.studentloanprofessional.com To find more ways to Face The Fear of your finances, click here: www.facethefearfw.com To get in touch with Face The Fear, email: facethefearfw@gmail.com Here is a summarized list of Q&As: 1. “Do you need to be of a certain profession or in a certain field to utilize the extended or graduated programs while in the overall 10-year repayment plan?” Nope! Everyone with federal student loans has access to these, but there are many things to consider before jumping into one. 2. When does it make sense to put my student loans in deferment? If you need to stop your payments, you do need to apply and be accepted for this. This is because interest will not accrue during this time period. You might do this if you become unemployed, if you have economic or medical hardship, etc. Interest will not accrue while in deferment 3. When does it make sense to put my student loans in forbearance? You have a total of 3 years to be in forbearance. Remember, interest continues to accrue while you are not making payments. So really, this tends to make sense when you need a very short-term payment relief. 4. Can I use forbearance or deferment if I have private loans? The unfortunate answer is no. You can speak with your lender and try to change the terms of your loan but the options available for federal loans are not available for private loans. 5. Can I spread the ‘tax hit’ when student loans are forgiven over time or is it all taxed as income in one year? The short answer is that it is taxed in one year. However, when working with a CPA, depending on your situation, there are ways to strategize the taxation. When working with my clients, we calculate the anticipated tax amount and immediately set up a savings/investment bucket for those dollars over the course of their student loan repayment plan. 6. Can I be 3, 4, even 5 years into paying my student loans and still switch to a repayment plan? Yes, you can do this at any time! It is a voluntary program, so you must reapply / show income every single year. If you do not reapply you will be automatically switched back to the 10-year plan. For my clients, we just set reminders every year, so we never forget. Thankfully, the Government has worked on their online submission process and applying is getting easier and easier. 7. For PSLF, do I need a specific type of qualified loan? In short, to apply for PSLF you need 3 things: 1. You need to work for a qualified employer full time (talk with your HR rep or visit https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service#qualifying-employment) 2. You need to make 120 qualified payments (10 total years of payments) 3. Your loans need to be DIRECT loans. (These started after the year 2010, so anyone with loans prior to 2010 will usually need to do a direct consolidation) 8. If I have worked for a qualified employer while working towards PSLF and then switch to another employer that is not qualified, is there any sort of partial forgiveness of loans? Unfortunately, the answer is no. 9. What has changed for my student loans with the CARES Act? Start listening at 48:18 Lastly, here's a disclaimer: GVCM is an SEC Registered Investment Advisory firm, headquartered at N14W23833 Stone Ridge Drive, Suite 350, Waukesha, WI 53188. PH: 262.650.1030. David Hessel is an Investment Adviser Representative (“Adviser”) with GVCM. Additional information can be found at: https://www.adviserinfo.sec.gov/IAPD/Global View Capital Insurance, LTD. (GVCI) insurance services offered through ASH Brokerage and PKS Financial. David Hessel is an Insurance Agent of GVCI. Global View Capital Advisors, LTD is an affiliate of Global View Capital Management, LTD (GVCM). 

Due to the impact of COVID-19, the IRS has instated some tax relief measures, such as extending the tax payment (not filing) deadline until July 15, 2020 for certain individuals. Find the most recent information here: https://www.irs.gov/coronavirus Tax season is here! Feeling overwhelmed?? We've got your back. In this episode of Face The Fear, we are joined by Tony Brita, CPA, to discuss ideas for tackling your taxes. Here are a few questions we cover: What is the biggest tax mistake you see people (or millennials specifically) make? How can they avoid these mistakes in the future? What are a few misconceptions people have about taxes and the IRS? How should a married couple decide if they should file single or jointly? What are the pros and cons of each option? What are some common ways for Millennials to reduce taxes that are often overlooked? Is there an online program that you would recommend for those who may have relatively low incomes and an uncomplicated tax situation? ***We are not affiliated with, sponsored by, or endorsing TurboTax. Questions? Email us at facethefearfw@gmail.com! Tony Brita's LinkedIn: https://www.linkedin.com/in/tony-brita-cpa-8352622b/ Face The Fear:  Instagram - @face.the.fear Facebook - https://facebook.com/FaceTheFearFW  Twitter - @Face_The_Fear Website - www.facethefearfw.com

Join us as we discuss all things finances with the famous Pete The Planner! He has written 10 books, has his own podcast (Million Dollar Plan), radio show (Pete the Planner® Radio Show on WIBC), appears on TV and regularly writes newspaper columns. See his contact information below to connect with him and see all that he has accomplished, which is a lot!  Peter Dunn: Website: www.callheymoney.com  Twitter: @PeteThePlanner Face The Fear:  Instagram - @face.the.fear Facebook - https://facebook.com/FaceTheFearFW  Twitter - @Face_The_Fear Website - www.facethefearfw.com

Join us as we chat with Andi Jo Clark, Event Director at Union 12 about all things weddings, planning and budgeting for your big day! (We even dish out some non-financial wedding tips!) :)  Andi Jo Clark - Event Director at Union 12 (Event Center & Banquet Hall): Email: info@union12.com Website: http://www.union12.com/ Facebook: https://www.facebook.com/Union12Hall/ Instagram: @union_12_hall  Face The Fear:  Instagram - @face.the.fear Facebook - https://facebook.com/FaceTheFearFW  Twitter - @Face_The_Fear Website - www.facethefearfw.com

Jordan Bell joins us again on this episode of Face The Fear, along with Steve Gansey, head coach of the Fort Wayne Mad Ants (NBA G League)! We talk about sports, money, life lessons, and of course...basketball.  Jordan Bell: @jbgoodpeople Face The Fear:  Instagram - face.the.fear Facebook - facebook.com/FaceTheFearFW Twitter - @Face_The_Fear Website - www.facethefearfw.com

In this week's episode, we chat with Jamal Robinson and Justin Davis. Both are active in the Fort Wayne community and are entrepreneurs. We talk about inspiration, leaving a legacy, Believe In A Dream, starting an eye wear business, making connections/networking and a bit about sports.  Jamal's contact information is below: Personal:  Instagram: @jamalarobinson    Business:  IG: @desiarco FB: Desiar Eyewear  Web: www.desiar.com    IG: @cevcollection  FB: CEV Collection  Web: www.cevcollection.com    Nonprofit Web: www.biadinc.org   Justin Davis: Instagram - @jdavy30 / @the_cupz   Face The Fear:  Instagram - face.the.fear Facebook - facebook.com/FaceTheFearFW Twitter - @Face_The_Fear Website - www.facethefearfw.com  

In this episode, we welcome back Erin Martin, Retirement Plan Adviser at Phillips Financial to talk about 401(k)'s, retirement accounts, vesting and withdrawing money from your 401(k) and how that can impact your long term goals. Joining us in this episode is Nick Lucas and Nick Shoemaker, students at the University of St. Francis! Instagram: face.the.fear Facebook: facebook.com/FaceTheFearFW Twitter: @Face_The_Fear Website: www.facethefearfw.com

To Rent or To Buy? Millennials wrestle with this decision more than any past generation, especially as student loans and stagnant wages have delayed the home-buying process substantially. In this episode, we tackle this question and many others with the help of three Real Estate Mavens: Leslie Ferguson, Heather Regan, and Tiffany McIntosh. What differences have you seen between Millennials looking for housing vs. Gen X or Baby Boomers looking for housing when they were in their 20s-30s? How has the housing market changed over time? How does your credit score play into the home buying or apartment renting process? Where should a Millennial start when it comes to purchasing a home? What are a few key first steps and pitfalls to avoid? How do taxes factor in to owning a home?  What are hidden costs/fees that a first-time home buyer might not know about? What questions should someone ask a real estate agent to make sure they’ll be a good fit? Don't forget to subscribe and leave a review! XOXO Face The Fear Website: https://www.facethefearfw.com Contact Us: facethefearfw@gmail.com Our Guests: LESLIE FERGUSON REALTOR® 260.312.8294 leslieferguson@kw.com HEATHER REGAN REALTOR® 260.615.2570 heatherregan@kw.com reganfergusongroup.com TIFFANY MCINTOSH Mortage Loan Officer  260.497.8685 Tiffany.McIntosh@53.com https://secure.53.com/mlo/app/mlosite/tiffanymcintosh

What is disability insurance, how does it work, and when do you need it? Tim Kukieza, Disability Insurance Expert, answers these questions and many more on this podcast episode - all while cracking a few jokes along the way. Listen in to find out: If someone is young and healthy, why do they need disability insurance now? If someone already has disability insurance through their employer, is there any reason why they may need to buy additional coverage? What exactly does Disability Insurance cover? Will it replace my entire income? How much does DI typically cost for a Millennial? Don't forget to subscribe and leave a review! XOXO Face The Fear Website: https://www.facethefearfw.com Contact Us: facethefearfw@gmail.com YouTube: Face The Fear Instagram: Face.The.Fear Facebook: Facebook.com/FaceTheFearFW Twitter: Face_The_Fear

John Redmaster, Certified Financial Planner and fellow Millennial, joins us to break down where Millennials should focus their money first. Should we pay down student loans or credit card debt? Save for a home? Invest in a 401(k)? Build up an emergency fund? John helps us find answers to these questions and more on this week's episode: What tips would you give to Millennials who just graduated college (or are several years into the workforce) who feel like their student loan debt is unmanageable? Since you have the CFP designation, can you explain a little bit about what exactly that designation means and why it may be important to consider when seeking a financial advisor? What can Millennials do TODAY to get their finances on track? Financial Focus Website: https://www.financialfocusonline.com/ Don't forget to subscribe and leave a review! XOXO Face The Fear Website: https://www.facethefearfw.com Contact Us: facethefearfw@gmail.com YouTube: Face The Fear Instagram: Face.The.Fear Facebook: Facebook.com/FaceTheFearFW Twitter: Face_The_Fear Advisory Services offered through Investment Advisors, a Registered Investment Advisor and Division of ProEquities, Inc. Securities offered through ProEquities, Inc., a registered Broker/Dealer and member FINRA/SIPC.  Financial Focus is independent of ProEquities, Inc. Ash Brokerage and its affiliates are not associated with ProEquities.

On this podcast episode we sit down with Jordan Bell from The Good People Podcast. We have a heart-to-heart about millennials, finances, life experiences and what Jordan's podcast is all about. Join us for a fun conversation and get to know us a bit more! PS - Hi Jordan's mom! :)  Don't forget to subscribe and leave a review! XOXO Face The Fear Website: https://www.facethefearfw.com Contact Us: facethefearfw@gmail.com YouTube: Face The Fear Instagram: Face.The.Fear Facebook: Facebook.com/FaceTheFearFW Twitter: Face_The_Fear

On this special Father's Day episode, we chat with Darrell and Allison Perry, a father-daughter duo! We hear from Darrell, the father of Allison on how he raised his two kids, advice he has given them in regards to finances and how that influenced Allison so far in her life. You won't want to miss what they have to say! And if you like us, don't forget to subscribe and leave a review! XOXO Face The Fear Website: https://www.facethefearfw.com Contact Us: facethefearfw@gmail.com  

On this episode of Face The Fear, we break down the basics of life insurance with Jenny Crabill, a fellow Millennial and Advanced Life Insurance Case Analyst. Here are a few of the questions Jenny helps us answer: What exactly is life insurance & why is it important? Why do I need life insurance now if I'm young, healthy, and don't have anyone depending on my income? When is the best time to buy life insurance? How much does life insurance really cost? How do I purchase life insurance? LifeHappens.org Face The Fear Website: https://www.facethefearfw.com Contact Us: facethefearfw@gmail.com Don't forget to subscribe and leave a review! XOXO

On this special Mother's Day episode, we do some girl talk with Becky Rogers and Robin Schuller, two of the coolest moms of Millennials that we know! Becky and Robin share the financial secrets they wish they'd known when they were in their 20s and 30s, as well as the advice they've given their Millennial children about managing money. If you want to find out how to slay your financial goals, stay tuned! And if you like us, don't forget to subscribe and leave a review! XOXO Face The Fear Website: https://www.facethefearfw.com Contact Us: facethefearfw@gmail.com  

In this episode, we dive into Estate Planning 101 with Matt Erpelding, Director of Advanced Markets at Ash Brokerage. Think that Estate Planning is just something that rich people need to do? FALSE!  Here are a few of the questions Matt helps us answer: What is estate planning and why is it important? What are the differences between a trust, will, and estate? What is a Power of Attorney? When should someone start to create an estate plan? How should Millennials start the conversation with their parents and family members about estate planning? Where can someone go for guidance when creating an estate plan or will? Face The Fear Website: https://www.facethefearfw.com Contact Us: facethefearfw@gmail.com Don't forget to subscribe and leave a review! XOXO

In this episode, we chat with Chad Tallman, Financial Advisor*, about everything from investing, to budgeting, to retirement planning - all from a Millennial point-of-view. Chad debunks some common myths about financial advisors and provides tips for finding the right advisor who will best meet your needs.  Here are a few of the questions uncover in this episode: How does someone start investing?  What does “risk tolerance” mean? Why is it important for Millennials to have a financial advisor and to develop a financial plan? What does a holistic financial plan look like for a Millennial? What questions should someone ask a financial advisor to make sure they are the right fit for them? What is one thing you wish you know about finances when you were in your early 20s? Chad's LinkedIn: https://www.linkedin.com/in/chadtallman/ Face The Fear Website: https://www.facethefearfw.com Contact Us: facethefearfw@gmail.com Don't forget to subscribe and leave a review! XOXO *(Securities offered through Sigma Financial Corporation, Member FINRA/SIPC. Investment Advisory Services offered through Sigma Planning Corporation, A Registered Investment Advisor. CLN Financial is independent of Sigma Financial Corporation and Sigma Planning)

In this episode, we sit down with Chad Eyrich, a Long Term Care Professional, to talk about what Long Term Care is, why it matters, and how to make sure you and your family have a plan in place if a Long Term Care event occurs.  Here are a few of the questions we get answered: What is Long Term Care? How does Long Term Care coverage work? What kind of options are available for Long Term Care coverage? Why should Millennials be concerned about Long Term Care, especially when they are still so young and years away from needing this kind of service? How can a Millennial start a conversation with their parents or grandparents about Long Term Care? Here are some quick Long Term Care Stats: 52% percent of people turning age 65 today will need some type of long-term care services in their lifetimes Average annual cost of private room in a nursing home (2017): $97,455 34.2 million Americans have provided unpaid care to an adult 50 or over in the past 12 months (https://bit.ly/2Mn8oL7)  Face The Fear Website: https://www.facethefearfw.com Contact Us: facethefearfw@gmail.com Don't forget to subscribe and leave a review! XOXO

In this episode, we sit down with Randy Kitzmiller, Social Security Advisor and Retirement Income Consultant, to discuss the basics of Social Security: what it is, how it works, and how it may change in the future. (SPOILER ALERT: It's not going away! *Phew*) Join us as we dive into Social Security and how it will affect Millennials' retirement in the future. Here are the links Randy mentioned in the podcast: Social Security Website: https://www.ssa.gov National Social Security Advisers Website: https://www.nationalsocialsecurityassociation.com Face The Fear Website: https://www.facethefearfw.com Contact Us: facethefearfw@gmail.com Don't forget to subscribe and leave a review! XOXO

In this episode, we chat with Erin Martin, Retirement Plan Adviser at Phillips Financial, to discuss 401(k)s, 403(b)s, Traditional IRAs, Roths, and other retirement accounts. We dive into the differences between these accounts, the importance of company matching programs, how much you should be saving for retirement, and so much more!

Hi Friends! Nicole Ellsworth and Kaitlyn Duchien here. We are two motivated millennials facing the fear of our financial futures. Join us on the journey, as we dive into topics such as investing, retirement planning, life insurance, budgeting, and so much more! Don't forget to like and subscribe! Instagram: @Face.The.Fear Twitter: @Face_The_Fear Website: www.facethefearfw.com Podcast: Face the Fear (on iTunes, Spotify, and Google Play) Contact Us: facethefearfw@gmail.com