Podcast by Morgen Rochard
Want to raise a financially responsible child but you don't know where to start? Check out this podcast!
The basis of wealth: 1)Income 2)Spending 3)Savings and Investment I also quote "Money, Bank Credit, and Economic Cycles" Jesus Heurta de Soto
Will you ever retire? I hope so! Learn some retirement basics: withdrawal rates and how to measure if you're on track.
Want to understand why bitcoin is important? Why should you own it? Why is now still a great time despite the recent run up? And why is it the only coin you should own? Listen here with guest Pierre Rochard.
Wondering what you can do between now and 12/31 to lower your tax burden? Listen here! Also mentioned: SmartAsset income tax calculator: https://smartasset.com/taxes/income-taxes
Get smart about the immediate costs when having a child: 1) maternity 2) labor and delivery 3) after baby gets here
Q1: What do first time homebuyers need to think about? Q2: Putting down more than 20% on a home? Q3: Cash out re-fi to buy bitcoin Buy my book: https://amzn.to/37mgyN0
You're always being squeezed in the middle. You make too much to get handouts and make too little to get ahead. Find out how to get ahead here!
Learn all about what it means to take risk here! 1. Evaluating your risk tolerance (willingness and ability) 2. Risk vs uncertainty 3. Factors to evaluate before you take risk
Why are you dysfunctional (financially)? 1. You hate math and love drama 2. Finances consume you 3. You are too focused on taxes 4. You hide $$ from your spouse 5. You don't look at your finances holistically 6. You let paper pile up 7. You haven't truly figured out your own big picture And many many more :)
Finance and health are linked in many ways. Find out here how your health affects your wealth!
Q&A Session Q1: How do I know if I am having a financial planning moment? Q2: PSLF vs Aggressively Paying Down Student Loans Q3: When do I revisit my asset allocation? Q4: Do I need disability insurance?
When times are tough, you will want to ensure you can rely on yourself. Here is how and why to build an emergency fund! Plus a bonus on generating energy to do it.
Do you often fight with your spouse about money? Listen here to find balance, get on the same team and love your spouse unconditionally (even when it comes to their money choices)
Everyone you know laid off? Want to help someone in need? Find out how to do it without someone else needing to listen to this podcast to support you
Wanna know how you're gettin that free money from the US of A? Listen here to find out what provisions apply to you! Promised ABC calculator for the recovery rebate check (because let's be serious, I havent done show notes in WEEEEEEKKKSSS): https://abc7news.com/stimulus-calculator-check-package-bill/6056170/ DM me @MorgenRochard if you have questions
Ever hear something like "rent is throwing money away" or "they're not making any more land"? Find out here why owning real estate isn't the free income you thought!
Wondering what do you with your assets because of coronavirus? Find out here!
We talk about cleaning out your brain sludge AND Kinder's 3 Questions, we love you Kinder! https://www.kinderinstitute.com/
Running a business in year 4 and beyond! Congrats! You survived! Listen here to find out what to be thinking about in years 4 and up.
Q&A day! Woohoo! Q1: Should I refinance my mortgage? Q2: My family sucks, who do I designate as executor, guardians and beneficiaries? Q3: What do I need to do to lower my taxes before year end? Q4: We are stressed the F out about money, please help! Have a question? DM me on twitter @Money_Owners or @MorgenRochard Full show notes at www.moneyowners.com/30
Q&A with Jantz Hoffman, all about student loans Also check out https://cslainstitute.org/ if you want to learn how to help others with their student loans! Full show notes at https://www.moneyowners.com/29
What do you need to do in years 2-3 of running your business to really power up your company - find out here in Part 3 of our business ownership series. @MorgenRochard or @money_owners on twitter if you have a question you want answered on the pod
You're in year 1, in the trenches of a new business. Find out 12 things to be successful! #personalfinance
What do I need to do before I start a business? Listen to find out! This is part I in a 4 part series on business ownership. Want to have a question answered live on the podcast? DM me on Twitter @MorgenRochard or @money_owners
Q&A Day! Q1: Easy Money & The Permanent Portfolio Q2: Couple with (Expensive)Competing Goals Q3: Dealing with a Job Loss Q4: Employee Stock Options (specifically: RSUs and NQSOs)
Pain and suffering! Get your pain and suffering here! And some peanuts. I couldn't help myself, I just had to use an exclamation point to describe this episode. In 2 weeks - we have a Q&A, drop your questions on twitter @MorgenRochard or @money_owners or https://www.moneyowners.com/askmorgen
Learn the difference between reasonable and slippery slope debt. Then learn what to do about it! Full show notes at www.moneyowners.com/23
Kids! What's the matter with kids these days? Just kidding - learn how to financially plan for them. Full show notes and homework at https://www.moneyowners.com/22
The US Federal Reserve just lowered interest rates - what does that mean for you and your finances? Listen here to find out! Full show notes at https://www.moneyowners.com/21
Q&A Day! 1. How to cut out mindless spending - if you don't like the results of your mindless spending 2. How to solve a financial crisis and learn to communicate better with your spouse 3. How to think about retirement savings 4. How to set goals that will actually help you get somewhere
Episode 19 - all about generosity and being present with your family. Sometimes, it's not all about money!
How to follow advice - 1st step, agree with the advice being given to you! Rest of the show notes at https://www.moneyowners.com/18 Send in your questions @MorgenRochard or @Money_Owners on twitter!
We can have anything we want but not everything we want, no matter how much money we have. We tend to spend our money how we spend our time Forming good habits early is best because otherwise you will always find something to spend your money on, even if it doesn't enhance your life You need to evaluate your behavior if you want to change - can't change it, if you don't recognize it's a problem! Best time to start having good habits is right now!! Regardless of age, you can make changes! A budget doesn’t have to be restrictive, but is meant to put some sort of constraint on you 3-4 categories that we all know are out of control - check those first You should be saving both in a retirement account AND outside a retirement account Your budget actually equals financial freedom. The numbers give you the freedom to spend without guilt. So much guilt associated with “overspending” - or simply just any spending when you’re feeling a little out of control. Review your credit card statement - it’s fun! Make it a game! Tack it on to other habits so you can get it done and make it easy! Tracking daily spending if you’re having issues with spending is the best way to curtail spending in places that you don’t want to. Budgeting spreadsheet is live go to https://www.moneyowners.com/17 to get it Fixed expenses - yes these matter! If these are high, you’re going to have trouble saving (home, car, subscriptions) Number one way to become wealthy is to manage your fixed expenses! Plan for extras!!! Put a buffer for extra things that may come up into your budget so you're not surprised - be surprised that you saved more not that you spent more Entitlement - this is a thought, you’re choosing entitlement Fixed expenses hurt the most - subscriptions, regular bills, mortgage/rent Hobbies, what’s appropriate? Kind of depends! Distinguish between a hobby and a necessity Have a question you want answered on the podcast, find me on twitter @MorgenRochard or @money_owners
Don't count your chickens before they hatch? Yup - we cover the story about the milkmaid and her pail. Count some chickens - it's ok! Just don't spend them, or have your head so far in the clouds that you can't make it happen. This episode covers why dreaming a little is actually good for you! Also - perusing catalogs as a pastime, ie thinking about buying things rather than actually buying them You can conjure emotion Your junk closet should be cleaned - but maybe stop buying so much stuff you don't need. Make Amazon's "save for later" your junk closet Feeling love can help your financial situation! Homework can be found at https://www.moneyowners.com/16 Have a question, DM me on twitter @MorgenRochard or @Money_Owners
Our 3rd Q&A, thanks for sending in awesome questions! Keep em coming! Q1: Why don't we teach kids personal finance in school - the answer was really more about teaching your kids personal finance yourself! Q2: How to manage cash flows when both members of the household are small business owners - bonus! How to know how much house you can afford, visit www.moneyowners.com/15 to figure out how to calculate for yourself Q3: How to know when it's the right time to save for retirement as a business owner? Q4: What is an appropriate amount to spend on a wedding? Want to get a question answered? Go to www.moneyowners.com/askmorgen OR find me on Twitter @MorgenRochard or @Money_Owners
This episode is all about FI/RE (financial independence/retire early) and financial freedom. What's the difference between the two? As usual - there's a twist about your brain! Listen to find out! Do you really need to be financially independent or can you change your reality right now? Q&A in 3 weeks! Send in your questions to @MorgenRochard or @Money_Owners
All about income! Yes - your thoughts are the problem. We discuss how we get in our own way when it comes to making money, what drives income, and some basic negotiating. Homework can be found at https://www.moneyowners.com/13
How do you want to think about paying taxes? Yup - you get to decide! I know, crazy, right? In this episode we discuss cleaning up your thoughts around paying taxes from 2018. We run through a few interesting tax scenarios. We also discuss reasons to plan ahead for filing in 2020 NOW and how to relinquish some of the angst around filing 2018's return. This episode can be found at www.moneyowners.com/12 I also reference Smart Asset: https://smartasset.com/taxes/ This is my favorite free tax tool out there! Check it out Lastly, if you have a question to submit for episode 15 let us know at https://www.moneyowners.com/askmorgen or @MorgenRochard or @Money_Owners on Twitter. Thanks!
All about real estate - and by real estate, I mean home ownership! There will likely be an episode about rental properties some other time. We de-bunk some of your "truths" about owning a home. Why we do it, what's a thought and what's a myth? Why do YOU want to own a home? Or not own a home?
2nd Q&A session! Q1: How to manage spending, when the spending helps destress during hard times at work Q2: How to plan around extremely irregular income Q3: Making a bitcoin investment Q4: How to manage paying down a mortgage versus saving for retirement Ask a question for episode 15! go to www.moneyowners.com/askmorgen Find me on Twitter @MorgenRochard or @Money_Owners
Money Scripts!! We discuss the main categories of money scripts, which are: money avoidance, money worship, money status and money vigilance. Then we have a special segment on your thoughts about your spouse making more money than you! Go to www.moneyowners.com/podcast/9 to get the homework. You'll want to do the complete the sentence work! Next episode is a Q&A submit your questions to me @MorgenRochard or @money_owners or www.moneyowners.com/askmorgen
We take the Kon-mari method and apply it to your finances. Clean your papers, start evaluating your insurance picture, get your estate planning docs and then figure out your cash flows. As usual, it's always about your thoughts! What's the purpose of your money? It helps to know this as you get organized. Q&A episode is around the corner, submit your questions to www.moneyowners.com/askmorgen or @MorgenRochard or @money_owners on twitter.
Episode 7 is out! All about managing cash flows - we keep talking about how important it is to do this well. Now here are some tips on how to actually do it! • Have any kind cash reserve to start • Calculate what your monthly average expenses are • Create a budget & honor your budget • Run a lean operation • Understand when you get paid • Know exactly what your operating expenses are • Make sure your cash reserve exceeds your operating expenses • Be mindful of your personality • Track your successes and failures • Manage similarly on the personal side To ask a question visit www.moneyowners.com/askmorgen or find me on twitter @morgenrochard or @money_owners
You need goals and systems! Habits help us achieve great things. Everything we do in our lives are for good feels - how do we capitalize on this? For the homework visit www.moneyowners.com/podcast/6 Contact me @morgenrochard or @money_owners on Twitter
First Q&A for Money Owners! Co-host Mark Guastaferri joins me to help answer some questions from the crowd. Q1. Starting a business - what to think about? Already in business, what else to think about? Q2. How much life insurance do I need? Q3. How much should I have saved in my 30s? Q4. Roth IRA vs Traditional IRA? Q5. What to do with cash in the short term? Other stuff we referenced: Nerd Wallet Insurance Calculator: https://www.nerdwallet.com/blog/insurance/how-much-life-insurance-do-i-need/ Millionaire Next Door "How do I stack up" formula: Multiply your age times your realized pretax annual household income from all sources except inheritances. Divide by 10. This, less any inherited wealth, is what your net worth should be (if you are "wealthy" and an "accumulator") Historical US Tax Rates Graph: http://dailydoseofexcel.com/archives/2009/04/16/historical-us-tax-rates/ If you'd like to ask us a question for next time, holler @money_owners or @morgenrochard on twitter or put your question into "Ask Morgen" on our website www.moneyowners.com/askme
In this podcast we discuss being grateful and how coming from a place of abundance, rather than scarcity can change your whole mentality on approaching your finances (as well as your entire life!). You can also find out why "shoulds" (I should do, I should be...) put you in a place of scarcity and negativity! Information on group coaching can be found at www.moneyowners.com/beone Homework and a podcast summary can be found at www.moneyowners.com/podcast/4 Leave a review on iTunes! Follow us on twitter @money_owners or @morgenrochard
Are you a business owner in the early stages of your business? Join us for group business and financial coaching www.moneyowners.com/beone This episode discusses why discipline is one of the most important factors in having a successful financial life. Discipline equals financial freedom! It's also important in the rest of your life, too. Also referenced here is a blog post from Origin Wealth Advisers LLC - https://www.originwa.com/blog/2018/9/12/hey-stop-dining-out-or-doing-takeout Subscribe to our podcast on iTunes or Stitcher! Follow me on twitter @MorgenRochard & @Money_Owners
In this episode, we discuss how your brain affects your financial future. We also discuss income, spending and savings. A transcript of this podcast and a pdf for the homework can be found at www.moneyowners.com/podcast/2
Episode 1 of the Money Owners Podcast. We discuss why you are where you are and what first steps you can take to make a change. To get the homework or this podcast in transcript format, visit our website: https://www.moneyowners.com/podcast/1
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