Keep Yours

Is an economy that continues to go deeper into debt and print money actually growing? Or could it be we are in a financial euphoria? By learning from history we can protect ourselves and our assets and ensure we don't get caught with our hand in the cookie jar when the inevitable crash comes.

All of the indicators are in place that the market has reached an all time high and that this “recovery” that's being touted is really just more debt that is sooner or later going to force a course correction in a big way. Don't believe the hype.

Due to a new law seeking to close the pay gap, corporations aren't hiring remote workers in Colorado because it adds administrative burdens.  In this episode we talk about how legislation that requires administrative overhead actually reduces the amount of jobs available and suffocates prosperity.

News media outlets like to give one piece of data without context, and with regard to Covid, it seems we've lost all ability to analyze risk and probability with any rational thought.  The facts indicate that if you're under 50, you're 20x more likely to die from something other than Covid, but that fact is buried beneath the narrative that everyone needs to go get a vaccine. In this episode, we discuss our collective data problem, and how to weigh personal risk with probability.

In a much needed break from the usual doom and gloom, today's episode covers the book by Ronald Bailey and Marion L. Tupy, entitled, Ten Global Trends Every Smart Person Should Know, which actually brings some good news about how the world is improving across many different dimensions. Who would have thought?   If you prefer to follow along on YouTube, check out this episode here: https://youtu.be/N3JVMWEjJDI

Over the past year we've seen lockdowns and loss of business usher in era of big government spending that may ultimately result in hyperinflation and economic collapse. With the money supply growing and companies being overvalued, we haven't seen inflation yet, but the data show we're due for a massive correction. Our freedom currently hangs in the balance as our nation toys with the idea of vaccine passports, while big Pharma rakes in the cash. As usual, we offer up no answers but invite you to ask yourself important questions as an independent thinker.

So much discussion in the news about Bitcoin makes one ask, is it a solid investment, or is it a gamble? In this episode we discuss how blockchain technology works, what is typically required for something to be considered “currency”, Bitcoin's potential value, and remaining unanswered questions you might want to consider before taking the plunge.

If we don't understand where we came from, how can we see where we're headed? In Episode 2 of our Dirty U.S. History series, we talk about how the US dollar became the world's currency, how inflation robs us all, and what the founding fathers intended when they wrote the constitution…. and how are we failing at following it today.

Most of the problems in society stem from government distorting the original intentions of the constitution by politicians who have their own agendas. Should government have the power to close a business or tell people not to go out supposedly in the interest of the greater good? Whatever happened to personal choice and responsibility for oneself? The consequences of this global shutdown are likely to span into decades from now, and the fallout on a social, economic and psychological level is already dire.   If you’d prefer to follow along on YouTube, go here: https://youtu.be/t_YSTiKKym0   Check us out at: www.keepyours.org

80% of Americans support another stimulus check, but what they don’t realize is the longer-term implications of that and how it will work against them, and our economy, in the long-term.

A country divided, where do we go from here? What should the role of government be? Why did the founding fathers set up the country and lay the guidelines they did for the country? Because they studied history. This series is about the history of how we got here, what we can learn along the way, and ways the government granted itself powers that might be unconstitutional. And what we the people can do about it. If you prefer to follow along on YouTube, go here. For more information on financial wellness, check us out at www.keepyours.org  

This first episode of “Sunday Sessions” includes thoughts on the insurrection, term limits, and how pandemic unemployment benefits have incentivized people to not work. Should we be giving people more money NOT to work than to work? Suicide rates are up because of depression from loss of livelihood and isolation, and the virus is still spreading, showing lockdowns aren’t working. What can we do? And is there hope in sight?

We are hovering on the brink of economic disaster. The unemployment numbers are skewed, and the likelihood of a quick economic recovery is slim given our dwindling labor participation rates. 10,000 people a week are turning 65 and pensions are getting squeezed. The promises to the Baby Boomers are going to be unmet due to a shrinking labor force. Tune in for a cold, hard look at the state of things and how we have diverged so far from what our founding fathers intended for this capitalist system we live under.

In this episode we walk you through the PPP loan forgiveness application for 3508 Full Form for loan borrowers. If you'd prefer to follow along on YouTube, go here: https://youtu.be/b3bwsTtu3Dk For more financial wellness education, check us out at: www.keepyours.org

In this episode we walk you through the 3508EZ form for the PPP loan forgiveness application, which is specifically for small businesses with loans between $50K and $2 million.

Here's specific guidance for those filing the 3508S PPP application for the self employed, or for those with a loan under $50K. If you'd prefer to follow along on YouTube, go here: https://www.youtube.com/watch?v=wVNmenKNmdE For more financial wellness education, check us out at www.keepyours.org

Have questions about your PPP loan and how to manage the forgiveness application? In part one of our four-part series, we help you decode the nitty gritty rules of the forgiveness process and how they might affect you and your business.

In a frightening extension of government power, the IMF intends to do away with cash and replace it with the digital dollar.  It is a grand plan by the IMF and central bank planners to take total and complete control of America’s pocketbook. What we can look forward to is negative interest, inflation, and stealing from the American public. Does that sound scary and “un-American”? It is.   If you prefer to watch this on YouTube, go here: https://youtu.be/5EqaCE5XR1s   Want to learn more about how you can protect yourself and your assets? Check out more at www.keepyours.org

This week we discuss how the system we're living under isn't true capitalism, and how we're heading for some tough times (think inflation like Argentina's -- at 50%) if the Feds keep printing money. What does this mean for us in a practical sense? Listen and find out.   To follow along on YouTube, go here: https://youtu.be/OO9cTwPF30I   To learn more, check us out at www.keepyours.org

Have questions about when and in what situations you should get life insurance? Life insurance can be a confusing mess for many, and don’t be fooled - it’s a game that you need to learn how to play if you’re considering buying in.  The truth is, some are terrible financial investments from companies that could be considered predatory. In this episode we show you the math and expose certain types — especially child life insurance — from companies that should be ashamed of themselves.

Do you think you understand inflation? According to Warren Buffet, only one person in a million truly understands the complexities of inflation. Put on your thinking cap and get ready for this episode where we break it all down and also give you some ideas for how to protect yourself during this looming economic downturn.

The stock market is not reflecting the economic reality of what is happening today. Unemployment claims are over 10 million, the government can’t agree on a plan, and meanwhile pandemic benefits have run out, leaving millions of people in real financial

The feds are printing money in hopes of keeping the economy running smoothly, but history shows this doesn't usually go as hoped and instead results in massive inflation. It's still early days and we haven't seen the full fallout yet because people are still receiving their extra pandemic assistance. What happens when these run out?  In this episode we share our own forecast for what kind of financial reckoning will be coming once the federal support ends and give you some ideas on how to protect yourself and your assets during these uncertain times.    If you prefer to follow along on YouTube, go here: https://youtu.be/Q5Lo4r_9x-g Check out more about financial education and wellness offerings at www.keepyours.org

Campaigns that are “tough on crime” only make sense if we can all agree on what crimes should constitute punishment, and with our prisons full of young black men largely due to the legislation of morality, that’s clearly not the case. In this episode we talk about the how the racist drug war and corrupt criminal justice system work to keep people of color poor and imprisoned, and we offer up some steps we can all take to begin to change this.   To watch on YouTube, go here: https://youtu.be/HSZxaSBj_4E To learn more about how to keep more of what's yours, check us out at www.keepyours.org

The CARES Act Paycheck Protection Program has a lot of  confusing language. In this video we help you interpret it, as well as the new guidelines put out by the Treasury. We also outline four different strategies depending on your business for how you can best utilize the loan forgiveness the government is offering. To follow along on YouTube, go here: https://youtu.be/kCpexWMERFo To learn more about how to be financially savvy and keep more of what's yours, check out www.keepyours.org

What happens when the Feds stop handing out free money? The unemployment numbers are at 35+ million and counting, and yet the stock market is still going strong. What happens when all the unemployment benefits end and rent is due? There is going to be a massive financial reckoning for all of this money printing, society is going to change, and you need a strategy to deal with the fallout.

Nobody knows how this is all going to play out but we are just starting to see the layers of the onion of the fallout begin to unravel in society.  So many questions remain: how do you social distance on an airplane? Is going into an office going to be outdated? What is the fate of college? How is this going to affect the housing market? What happens when pandemic unemployment benefits end? We have no answers but raise a lot of questions to consider if you think any of this is going to go back to normal anytime soon.

This week we give you the update on what to expect regarding government benefits, as well as offer our perspective on what might come in the long-term and how you can financially brace yourself.   To follow along on YouTube, go here: https://youtu.be/RmL8ChE4Uzw   For more blogs and podcasts on financial literacy, check out www.keepyours.org 

In today’s episode, we go over some of the underlying causes of the problems countless people have encountered with the PPP, as well as highlight a few of the silver linings to these dark days. What do you think the long-term economic implications are f

CARES act money has been slow to move, whether you’re applying for PPP, EIDL, or unemployment benefits, everyone is waiting on money. In this episode, we explain the delays so you have a better understanding as to when you might get some of your money.   If you prefer to watch and follow along on YouTube, go here: https://youtu.be/kPa181Hu3Ao

If you are applying for the PPP (Payroll Protection Program) loan offered as part of the CARES Act relief package, this episode will walk you through the calculation and document requirements. Your bank may have slightly different forms, but the underlying requirements are fairly universal.

The CARES Act offers some much needed financial relief in light of the hardships COVID-19 has brought about for many. But which option is best? The Economic Income Disaster Relief Loan (EIDL) or Paycheck Protection Program (PPP)? Where does unemployment fit into all of this? When and how can you combine these options? We help you do some of this math and figure out which relief program might be best for you. UPDATE: As of 4/6, the SBA has changed the rules to only allow $1k/per employee upfront money (and therefore forgiveness on the EIDL loans). We will respond soon to update how this affects the decision making on which plan is best to use for you. If you prefer, watch on YouTube here: https://youtu.be/H0xS0_r6V8s

The new CARES Act the government released has lots of options for small businesses and the newly unemployed. Should you get an EIDL loan? Or should you get a PPE loan as an employer instead of laying off your employees? If you’re self-employed or in the gig economy, do you apply for unemployment, or an EIDL loan? In this first, crash course episode on the CARES Act we explain your options and what might be best for you.

Bills are now getting signed into law that are thankfully here to help us financially during these uncertain times. In this episode we break down how unemployment benefits work and how you can start to get yours quickly and painlessly.

Don't be fooled. Unfortunately, all signs point to this as just the beginning of not just a global pandemic, but a lengthy recession as well. What's your plan? Over the next few weeks (months?!) we will be addressing ways to mitigate the negative consequences of this, and navigate you and your family to financial safety.

Changes to how your FICO credit score are coming, and if you don't understand them you could be left with a decreased credit score. In this episode, we explain how your credit score is calculated, and some unconventional ways you probably haven't heard of to increase it, or keep it from dropping if it's already high.

In part two of our home-buying series, we break down for you what happens at appraisal, inspection, red flags to look out for, and little known secrets to saving money on your house buying cost.

The biggest purchase you’ll ever make is buying a home, so it makes sense that you do some research and homework before diving in. Here we share the critical first steps you should take, as well as some tricks so you get the home you want and don’t overspend at any point in the process.

Don’t give the government any more money than you have to! We know that choosing between a traditional or a Roth IRA can be confusing, with a number of variables. Here we talk you through it and show you how to calculate your tax rates so you can make the right decision for yourself. Follow along on YouTube here. For the worksheets used in this podcast, go here.

While student loan forgiveness sounds great in theory, there are a lot of issues with it. For one, how would it be determined whose loans would be forgiven? What if you've already struggled for years (or decades!) to pay down those loans while a new graduate gets theirs completely forgiven? This is just one big problem amongst other big problems we see with student loan forgiveness, as well as the fact that it does not address the larger problem of an overall broken system. We have an alternative solution you'll want to hear (hint: in our solution, big banks will stop benefitting from student loans). Listen for more! Check out www.keepyours.org for today’s show notes and more financial tips on how to thrive within capitalism.

Being in debt simply means that you are not working for yourself, and that a good portion of your hard earned money is going to someone else. In this podcast, we help you understand the first steps in finding financial freedom, which means learning to budget and track spending. We beg the question, how much are you willing to work so you can buy more stuff?

We often hear the word “leverage” used in financial contexts, but its full scope is often not fully understood. Today we examine it in depth and offer some real life examples of how leverage can work for or against you.

In this episode, we give you the basics on how to assess your current financial situation. It's important to know where you're starting if you want to achieve your goals, and in this episode we show you the basics. For the full version, check out our podcast here:  https://www.keepyours.org/podcasts-1/how-to-assess-your-current-financial-situation

People commonly think real estate is a great investment because property doesn’t depreciate, but this isn’t necessarily the case anymore. What if you invested your down payment into long term index funds? Is it a better long term investment to do that or rent? Here we invite you to take a hard look at all of the factors that go into your financial readiness of buying a house, and offer some other, unconventional options as well. To download the worksheet he references, go here: https://www.keepyours.org/podcasts-1/is-it-better-to-rent-or-buy-your-home To follow along on YouTube, check it out here: https://www.youtube.com/watch?v=v0Zk7A8kjbg

You can’t change the past (and that past may have debt and poor decisions attached to it), but you can decide who you want to be in this moment and moving forward. Here we talk about why it’s so important to remember that you have the power to create a prosperous financial future, but you have to choose it, and also recognize every journey begins with the first step.

All the current economic indicators are pointing towards a market “correction”, better known as a downturn, so hold on tight! In this podcast we talk about how to see these cycles coming, protect yourself from their negative effects and how to best take advantage of them.

Here we explore the bottom line and how when you get to know yourself and your partner and you will do better within this system of capitalism. Get to know yourself as you relate to money and you will have a foundation to create budgets, goals, and move towards financial independence.

Ever think about how many options you have at the grocery store, or that you actually have an option about which store you shop at? Or that you can choose whom you work for and can leave at any time? These are all advantages of a free market. In this episode we explore these pros and some cons too, as well as delve into how our government allows for distortions of free markets through monopolies and regulation. Bonus! We are now on Youtube! If you would prefer to watch Dave and follow his presentation, check us out here: https://bit.ly/2OhagDm

In this special episode we get back to the roots and talk about why we’re doing this podcast. In it, we discuss how we all are capitalists in practice, why free markets are the best option, and why monopolies suck. We also share the takeaways we’d like you, the listener, to leave with. Extra! We are now on Youtube! If you would prefer to watch Dave and follow his presentation, check us out here: https://bit.ly/2OhagDm

Do you have 20 credit cards open or several bank accounts that you hardly use? Have you changed jobs and now have several 401K accounts to keep track of? This video will help to organize your financial life into three easy areas so you know where your money is going each month and you can track your finances more easily. It’s like Marie Kondo-ing your finances! Extra, extra! We are now on Youtube! If you would prefer to watch Dave and follow his presentation, check us out here: https://bit.ly/2OhagDm

In a world where it’s so easy to spend, the struggle to save is real. Today we discuss the importance of developing your willpower muscle, setting your own personal spending boundaries ahead of temptation, and the trap of lifestyle creep and what to do about it.