Podcasts about Bankrate

Amanda Agati, chief investment officer at PNC Asset Management Group, says that with the purple haze of fiscal policy uncertainty and tariffs having lifted, the "pace of natural advancement" doesn't have a lot of room left in 2025, but after a slower grind into the end of the year, she thinks that 2026 "is shaping up to be an acceleration type of a year."  She expects broader stock market participation to help with that, though she says that breadth will extend to the 493 stocks that are in the Standard & Poor's 500 but not the Magnificent Seven, rather than to small caps. Agati also said that the international rally thus far this year is likely to slow significantly.  David Trainer of New Constructs put "unattractive asset managers" in the Danger Zone this week, and singled out Virtus Investment Partners as a prime example, saying it wasn't just that the money manager has a suite of mostly unattractive funds, but that its results as a stock could get ugly too. Ted Rossman, senior industry analyst at BankRate.com discusses the site's back-to-school shopping survey, which surprisingly showed that fewer Americans are saying that school shopping is putting pressure on their finances this year. One reason why is that shoppers say they have changed some of the ways they shop in response to higher inflation.  Plus, in the intro segment, Chuck discusses his experience with a warranty program — something he normally disdains and avoids — that started out looking ugly, but wound up with a happy ending.

A recent Bankrate survey shows that nearly one in five back-to-school shoppers say the costs are putting significant pressure on their household budgets.Intuit Credit Karma reports that 39% of parents say they simply can't afford back-to-school shopping this year, while more than half (56%) are scaling back nonessential spending to cope.According to Deloitte, 52% of parents are worried about rising prices on school supplies and plan to cut back on things like eating out and entertainment to compensate.Paper costs have soared by 120% and could double again, while the Consumer Technology Association projects laptop and tablet prices could increase by as much as 68%.On Wednesday, August 6, NEA President Becky Pringle is available to discuss:How are tariffs and tight budgets impacting back-to-school spending?What does the new data tell us about how educators are making sure their students have what they need to begin the school year?Why are so many teachers and school support staff paying for supplies out of pocket?What impact does the delay or disruption in federal preK-12 education funding have on students and schools?How can parents and communities do to support their local educators and public schools?Become a supporter of this podcast: https://www.spreaker.com/podcast/arroe-collins-unplugged-totally-uncut--994165/support.

A recent survey reveals that nearly 1 in 4 Americans has no emergency savings, and more than a third had to tap into their savings just to get through the past year. Even more sobering, Bankrate reports that only 46% of U.S. adults have enough savings to cover three months of expenses, while 33% have more credit card debt than they do in emergency savings.The numbers are alarming, but they don't have to define your future.Laying the Foundation: Live on Less Than You EarnBefore we talk about building wealth or making investments, we must start with the foundation: living on less than you earn. It's the bedrock of biblical financial wisdom. As John Maxwell put it, “A budget is telling your money where to go instead of wondering where it went.” Without a plan, it's easy to drift. But a budget anchors your finances and gives every dollar a purpose.That's where the FaithFi app can help—offering a practical tool to craft a spending plan rooted in biblical values.Proverbs 6:6–8 urges us:“Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.”The ant doesn't wait for a crisis—it stores up in advance. That's what budgeting does. It's not about restriction; it's about preparation and wisdom.Why Investing Comes NextOnce you've created margin through budgeting, the next step is investing. Why? Because while money sitting in a checking account loses value due to inflation, investing allows your resources to grow through the power of compound interest.As Proverbs 21:5 (TLB) says:“Steady plodding brings prosperity; hasty speculation brings poverty.”Wise investing isn't about chasing trends—it's about faithful, consistent action over time.Maybe you're thinking, “I don't make enough to invest.” But consider this: If you invest just $100 a month starting at age 25, earning an 8% annual return, you'll have over $300,000 by age 65. That's the power of small, faithful steps over time.And today, getting started is easier than ever. Roboadvisors, such as Schwab Intelligent Portfolios or Betterment, offer diversified, user-friendly platforms that require minimal financial knowledge.Wealth With a Purpose: Stewardship, Not Self-SufficiencyRemember: financial freedom isn't independence from God—it's dependence on Him with wisdom. Deuteronomy 8 reminds us that even the ability to produce wealth comes from the Lord. As Proverbs 13:11 teaches:“Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.”God doesn't call us to perfection—He calls us to faithful stewardship.Why do we budget, save, and invest? So we can live with margin, give joyfully, and bless others. Wise financial decisions position us to participate in God's Kingdom work—not just provide for ourselves. So if you're feeling stuck, start small:Build a budgetCreate marginSave a littleInvest a littleTrust God with the processOver time, you'll be amazed at what He can do through your faithfulness.On Today's Program, Rob Answers Listener Questions:My friend is interested in investing directly in Israel's stock market—how would they go about doing that? Additionally, I'm 83 years old and own a home valued at $360,000. I need to replace the iron pipes, which could cost between $35,000 and $51,000. At my age, what are my options for financing a project like this?My 66-year-old brother wants to set aside money to care for his adult autistic son, who currently lives in a group home. What's the best way for him to save and plan financially for his son's future care after he's gone?I'm 70, working full-time, and receiving Social Security, but I have no savings. My wife and I have been married for 50 years, but she refuses to save. What guidance can you offer for improving our financial situation at this stage in life?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Timothy Plan's Israel Common Values Mutual FundWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In Today's Episode... Holly Morphew shares her journey from facing significant health challenges and financial struggles to becoming a successful money coach and entrepreneur. She discusses the importance of financial education, the impact of health on financial decisions, and her unique approach to budgeting and financial planning. Holly emphasizes the need for a financial impact system that empowers individuals to take control of their finances and achieve financial independence. In this conversation, Holly Morphew and Jordan Pendleton explore the intricate relationship between financial responsibility, personal growth, and the mindset required to achieve true abundance. They discuss the importance of understanding wants versus needs, the journey of taking responsibility for one's financial situation, and the transformative power of suffering and growth. Holly emphasizes the significance of intention and attention in healing, the necessity of kindness and grace towards oneself, and the empowering realization that we are our future selves. Connect with Holly Morphew Website Book Instagram LinkedIn   About Holly... Holly is a best-selling author, international keynote speaker, personal finance expert, award winning financial coach, and business strategist. At the age of 20 Holly was diagnosed with a chronic illness which required expensive medication to treat and resulted in five figure debt. She made it her mission to reach early financial independence and succeeded as well as miraculously overcoming the disease doctors said would never go away . Her mantra, "Life is for Living," is at the heart of her programs, helping high-impact leaders create financial security and drive positive change. Holly is a pioneer in the personal finance industy and author of Simple Wealth, which was featured on Bankrate's top ten personal finance books of 2022 and a #1 best-seller on Amazon.   Don't forget about this amazing free offer from Jordan. She put a lot of time and effort into this project to be able to offer it to you, absolutely free! Take advantage now while you can! eBook: Couples Guide to Getting on the Same Page About Money   Reminder: Subscribe, Rate & Review this podcast!   Whatever platform you are listening on, make sure to follow or subscribe & sign up for notifications for when weekly episodes drop every week! And if you feel called, please leave a rating and review. This helps us to reach more people!  JordanPendleton.com

Bankrate analyst Alex Gailey joins Megan Lynch for a look at the housing market in the US. Which region is hot and which is cold now?

In this episode, we speak with Tony Steuer, CLU, LA, CPFFE, an internationally recognized financial fluency advocate, award-winning author, and host of The Get Ready Money Podcast. Financial fluency and planning mirrors much of what individuals experience in their career planning and progression. Think of mindset, personal preferences, emotions, and life goals. Topics in the discussion include: How goal setting can help you choose various paths that align with what you want in life Financial fluency is something people can learn at any point in life Understanding job and financial scams, and things to be on the lookout for if they come to you As the founder of The Get Ready Movement, Tony is leading a shift in how we think about money—not just as numbers, but as a tool for living a more intentional and empowered life. Through his books, podcast, curated recommendations, and expert insights, Tony helps financial professionals, educators, and individuals ask better questions, foster meaningful money conversations, and take purposeful action. He is the Chief Evangelist at Yetworth Collaborative and serves as an advisor to Insurance Nerds and Dingo Technologies. Tony's thought leadership has earned recognition as a Finalist in ThinkAdvisor's LUMINARIES Class of 2022 for Thought Leadership & Education. He has served as a Judge for the MAIA Awards and the 2023 Finder Innovation Awards, and as a longtime member of the California Department of Insurance Curriculum Board. A trusted voice in the media, Tony contributes as an expert content reviewer for Nerdwallet, Bankrate, and Forbes Advisor, and has been featured by ABC's Seven on Your Side, CNBC, Cheddar TV, The New York Times, Washington Post, Fast Company, Chicago Tribune, and Fox Business News. Tony's website is https://www.tonysteuer.com/ The episode is moderated by Justyn Makarewycz, Deputy Director, Employer and Recruiter Relations at the GCMC (https://www.linkedin.com/in/justyndm/)

The crew is back and reunited, and in this episode, we delve into the bold and transformative piece of legislation, the Big Beautiful Bill, aimed at addressing and reducing significant federal programs such as Medicaid and Federal student loans. We unpack how the bill came to life, what it seeks to change, and why it's being hailed as both ambitious and necessary.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

We break down some recent economic news, the Fed defying President Trump, and go over the big jobs report that has Trump mad with Mark Hamrick, a Bankrate senior economic analyst

On Friday's show: This week, experts from across Texas testified at a hearing on disaster preparedness and flooding in the wake of the deadly Central Texas floods. Among those who testified were representatives from Rice University's SSPEED Center, whose Jim Blackburn discusses how what happened in Central Texas relates to past storms here.Also this hour: A recent report from Bankrate ranked Texas near the bottom when it comes to the best states to retire. Why? And how does Houston stack up? We consider the pros and cons of retiring here.Then, from what used to be Houston's own Shipley's Do-Nuts being sold to a California company, to an ad campaign's play on words that has some worried about eugenics, this week's non-expert panel weighs in on The Good, The Bad, and The Ugly of the week.And Hank, Peggy, and Bobby are back as King of the Hill returns after 15 years. Its showrunner Saladin Patterson talks about bringing back the beloved animated series and its depiction of small-town Texas life.

This week Michael Farr welcomes Jim Iuorio on the markets, Matt Leffingwell on the latest insider's view in Congress, and Mark Hamrick from Bankrate.com for a discussion of the latest from the Fed.Bringing you Wall Street, Washington, and The World -- it's The FarrCast!

Bankrate's Senior VP and Chief Analyst Greg McBride breaks down the Federal Reserve's decision to keep interest rates unchanged and what stronger-than-expected Q2 GDP numbers signal for the economy. He explains how these developments could impact inflation, jobs, and your personal finances.

Greg McBride of Bankrate says that it appears that rates will stay the same

Matt Harris, chief investment officer at The Hausberg Group, says that he expects a correction in the not-too-distant future, but he says that it is more likely to be about time — where the market trades sideways and lets the fundamentals catch up to recent price activity  than it is about stock prices. In fact, Harris is not exceptionally worried about the current rally ending, because while the market is up about 30 percent since its April lows, it is only up about 15 percent in the last year. That's good, Harris says, "but not too far too fast," especially because current performance is within the ranges of historical norms. Greg McBride, chief financial analyst at BankRate.com, says he still expects the Federal Reserve to make two rate cuts before year's end, but he's not expecting any moves when the central bank meets this week, and he says that rate cuts have already been mostly priced into the market , meaning that when reductions finally happen they will not have the full, classic impact that the market expects from cuts. Plus Drew Miyawaki, director of managed investment solutions for Westwood Holdings Group, talks about allocating assets now amid global uncertainty and ways to play foreign markets by focusing at least as much on a country's government structure and geopolitics as on its markets.

Bankrate Chief Financial Analyst Greg McBride, joins Megan Lynch previewing this week's Federal Reserve meeting.

In this episode, the crew discusses the rising costs of living in today's "Labubu world," exploring how inflation, lifestyle choices, and shifting economic trends are making everyday expenses feel more overwhelming. We discuss the challenges of balancing personal finances, maintaining a sense of normalcy, and navigating the pressures of a pricey reality. Tune in for expert tips on staying financially savvy and navigating the high costs of modern life.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger@theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Chuck Zodda and Mike Armstrong discuss home prices hitting a new record in June, dragging down sales. Ted Rossman, Bankrate, joins the show to share the results of a recent back-to-school shopping survey. Trump to tour Federal Reserve, ramping up pressure on Powell. What most Americans get wrong about Social Security. Thousands of workers feel reduced burnout after four day work week trial.

Segment 1: Mark Hamrick, Washington Bureau Chief and Senior Economic Analyst for Bankrate.com, talks to John about a new Bankrate survey that shows nearly 1 in 2 workers plan to search for a new job in the coming year. Segment 2: Bree Fowler, Senior Writer, CNET, joins John Williams to talk about President Donald Trump unveiling a new plan for […]

Ted Rossman of Bankrate says that while is inflation is down, this is still a very expensive time of year, but has some tips to save you money

On today's Sharper Point Commentary, Jim Sharpe discusses the recent Bankrate poll which showed Arizona falling in the rankings to 31st in the nation for retirees. What factors could be contributing to this drop in the rankings?

In this episode, we often overlook the financial challenges of being a caregiver, from the cost of medical care to the impact on personal income. Lovely shares the budget strains of being a caregiver for her mother  and what steps one can take to manage the financial side of it. We also cover other resources and strategies that can help caregivers.  From reduced work hours and lost income to unexpected out-of-pocket expenses, we discuss the hidden costs associated with caring for a loved one. This conversation sheds light on what it truly costs—both financially and emotionally—to care for someone else.Wait! What is Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger@theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Segment 1: Ted Rossman, Senior Industry Analyst at Bankrate, joins John to share tips on how to pay off credit card debt. Segment 2: Bree Fowler, Senior Writer, CNET, cnet.com, joins John to talk about the class action $8 billion investors' lawsuit against Meta CEO Mark Zuckerberg and the company leaders, and other business news. […]

Ted Rossman shares new data from Bankrate on credit card debt. What's causing it? Ted tells us.

High mortgage rates are impacting home sales, says Jeff Ostrowski, Housing Market Analyst for Bankrate. He told Megan Lynch that buyers need to 'reset their expectations' about mortgage rates for the long-term.

Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Matthew Goldman — Totavi founder, serial fintech builder (Wallaby, Vertical), ex-Bankrate, and still rocking 30 credit cards. We cover a lot of ground in this episode, but if there's a through-line, it's this: premium cards are evolving into subscription bundles, fintechs are embedding loyalty into everyday local spend, and crypto is making a broader push into full-service financial platforms. We kick things off with the Chase Sapphire Reserve $795 price hike (and why Chase wants you to downgrade). Then we get into Bilt — aptly described by Matthew as the fintech playing chess while the rest of us are still playing checkers. And finally, we dive into Coinbase's new Amex card and the rise of membership-powered ecosystems. Highlights include: -Why Chase Sapphire Reserve rewards are the Disneyland of personal finance -The hidden genius of Bilt's wedge strategy (spoiler: it's not just the rent rewards) -What crypto reward cards reveal about financial fandom and the economics of loyalty Whether you're a points junkie, an operator, or just curious why your airport lounge is so crowded … this one's for you. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Matthew Goldman: LinkedIn: https://www.linkedin.com/in/matthewgoldman/   Follow Alex Johnson:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson

Mike Armstrong and Paul Lane discuss Treasury Secretary Scott Bessent suggesting Powell should leave Fed board in May. Starbucks tells white-collar workers to come to the office more. Jeff Ostrowski, Bankrate, joins the show to chat about a recent homebuyers/homesellers survey. Why have US stocks and bonds had 'healthy' returns this year despite Trump's tariff threats? Is the job market really that bad for Gen Z?

"Out of control." "Pay employees better." Those are just two of the responses in a recent survey about tipping culture. We break down the report with Bankrate analyst Ted Rossman. Have you changed how and when you tip?

Ted Rossman of Bankrate looks at the latest survey regarding tipping, and it's not good! It's out of control, and like it or not, it's going to continue

Lawrence and Alainta explore the historical roots, cultural significance, and future possibilities of wealth within the Black community, specifically through the annual Essence Festival in New Orleans. The episode examines the barriers that exist at the festival and the innovative strategies being employed to redefine prosperity. Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

President Donald Trump's sweeping tariffs earlier this year set off alarm among economists about a risk that just about every U.S. shopper fears: major price hikes. Instead, inflation has cooled, defying doomsday predictions and helping to propel sturdy economic performance. Side hustling is seemingly American as apple pie, with over one in four (27 percent) American adults taking on side jobs in addition to their full-time occupation, according to Bankrate's most recent Side Hustle Survey. In a time when nearly half of Gen Z lies on their job applications — it's no surprise that they're also fibbing on their resume to land a job.

Chuck Zodda and Marc Fandetti discuss inflation eating away at the labor market because gains might just be a mirage. Ted Rossman, Bankrate, joins the show to share the results of a recent side hustle survey. How Volkswagen's electric bus went from American flagship to flop. Tech platforms are struggling to indentify AI generated pictures. 

Side hustling is seemingly American as apple pie, with over one in four (27 percent) American adults taking on side jobs in addition to their full-time occupation, according to Bankrate’s most recent Side Hustle Survey. 

Ted Rossman from Bankrate tells us about some new trends in the gig economy.

Shannon Martin, Bankrate insurance expert, joined the show to talk about home insurance affodability challenges. She says carriers are starting to limit coverage as rates increase.

Interest rates and tariff uncertainty have some economists a little worried about the job market Stephen Kates, a Bankrate financial analyst, joins us to break it down.

Discover what Americans really think about money, wealth, and financial security in this eye-opening episode of the MX3 Podcast. From fast food rankings to the harsh truths of poverty levels, we cover it all—statistics, cultural shifts, and why $100K might no longer cut it.

According to BankRate, 23% of Americans 60-78 have a side-hustle. Maurie Backman says in an article by Kiplinger that this would help with two key areas in retirement planning: It provides us with something fulfilling to do after our primary career and provide a little extra cash in retirement.   The benefits of a side hustle: Mental Engagement Extra Income Social Connection Sense of Purpose The Pitfalls of a side hustle: Tax Complications Outspending your retirement budget in search of business profits Medicare Premium Creep (IRMAA) Lifestyle Clash Time Commitment Also in this episode, we discuss a listener's question about global stock allocations - and asks if I think it's better to own a global fund or to own US & international equity separately. How can one balance simplicity and effectiveness in their plan?  Resource:  Article by Maurie Backman: Monetizing a Hobby in Retirement: The Benefits and Pitfalls Article by Bankrate: https://www.bankrate.com/credit-cards/news/side-hustles-survey/   Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement

In this episode, Lawrence and Alainta delve into the conservative movement of encouraging women to have more children. People often feel stretched too thin, emotionally drained,  and going through the motions with their lives. We discuss practical ways to transition from a state of survival to being fully present with the choice of parenting or not. From setting boundaries and redefining self-care to letting go of unrealistic expectations, this episode is all about reclaiming your joy and reconnecting with the moments that matter most.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Rob Haworth, senior investment strategist at U.S. Bank Asset Management, says that the volatility and headline risks of the first half of 2025 haven't changed the outlook for the market and economy, which can grind through the rest of the year and into 2026 with modest gains. Haworth acknowledges "a lot of questions still to be answered," but he says that most of the answers will be within degrees of expectations, and a lack of surprises should allow the market to grind higher. That said, Haworth said investors will want to be properly diversified to protect themselves against the volatility and the news risks. David Trainer of New Constructs puts Carvana back in The Danger Zone, noting that the stock — which he first singled out in April of 2019 — has roared back from a low of $4 per share in December 22 to gain more than 50 percent year-to-date and nearly 150 percent in the last year, rising to a stock valuation "that implies that Carvana will sell as many vehicles as General Motors." Plus Greg McBride, chief financial analyst at BankRate.com, on their latest survey research, which showed that 60 percent of Americans are uncomfortable with their current level of emergency savings, and half of Americans don't have enough emergency savings to cover three months' expenses.

In a new Bankrate survey, more than three out of four Americans say they are not financially secure - and almost half say that it takes at least a six-figure salary to live comfortably... Does that mean we've reached a new benchmark for financial contentment, or a new low in confidence? (at 13:49) --- How much spending are you trying to squeeze into the warm weather season? Before you break the bank, try these tips to make the cost of summer fun more manageable (at 23:01) --- Another collection of recipes from Kyra's Kitchen! (at 41:39)

Daniel Morris, chief market strategist at BNP Paribas Asset Management, says he sees continued expansion in the United States and a slowing in Europe and other international markets, which contributes to why he is mostly neutral on allocations, as tariff plays and international stimulus efforts and more creates positive potential around the globe. Morris says a neutral stance makes sense because there is so much uncertainty right now that it is hard to have strong convictions about what the market can do next. Indrani De, global head of investment research for FTSE Russell discusses the ongoing Russell Reconstitution — the exercise of changing benchmark indexes to reflect corporate evolutions and avoid surprises — and what the current effort (which becomes final on Friday) reveals about the stock market and the breadth of growth now. Plus Mark Hamrick, senior economic analyst/Washington bureau chief at BankRate.com, discusses current levels of consumer sentiment which show that nearly two-thirds of Americans are expecting that tariffs will have a negative impact on their personal finances.

In this solo episode,  Lawrence dives into America's growing obsession with credit card debt. From everyday spending habits to the systemic forces driving high-interest borrowing, he book explores how credit cards have become both a financial lifeline and a burden for millions.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

How much money do Americans say it would take to feel rich? How about just to live comfortably? Sarah Foster, Analyst with Bankrate breaks down the latest survey that shows more than 1 in 4 Americans feel they need to make $150k or more to live comfortably.

Existing home sales rose 0.7% in the latest month, but beneath the surface, weaknesses persist due in part to high mortgage rates. Bankrate's Stephen Kates and First American Financial Corporation's Mark Fleming join the conversation to break down the state of the housing market. They discuss how demographic trends, such as an aging population "aging in place," are also contributing to the slowdown.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Julia Hermann, global market strategist at New York Life Investments, says she is concerned about market volatility for the remainder of the year, especially as tariff impacts work their way further into the economy and as we see some resolution on their status. While tariffs pose the risk of creating an exogenous shock — precisely what Hermann worried about triggering a recession when she last visited the show in February — she says that recession risk now is actually lower than it was when trade policies were made public in early April. She also discusses the firm's 2025 MegaTrends report, which looks at global debt investing, talking about how deficit spending and other concerns will impact credit markets over the next decade.  Greg McBride, chief financial analyst at Bankrate.com, checks in ahead of today's Fed meeting and announcement on what he expects from central bankers for the remainder of the year and whether cuts — whenever they start — will have the classic result investors are clamoring for. Plus Todd Rosenbluth, head of research at VettaFi, makes a play on the market's recent momentum with his pick for the "ETF of the Week."

In this episode, Lawrence and Alainta dive into the dynamic world of travel—how it's changing, the variety of ways people are exploring the globe, and the latest trends shaping the journey. From solo backpacking and digital nomadism to luxury eco-tourism and space travel on the horizon. We also explore how technology, sustainability, and shifting global priorities are transforming how and why we travel. Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Craving freedom, flexibility, and a front-row seat to nature's wonders? Whether you're chasing sunsets or seeking spontaneous detours, RV vacationing can save you hundreds on lodging and dining costs. Discover five compelling reasons why vacationing in an RV might just be the ultimate way to explore the open road.  Links: View Bankrate's Summer Vacation Survey Check out Triangle's competitive RV Rates and low-rate auto loans Learn more about this Money Tip's sponsor: New England Royal Service Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union  Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Today's Money Tip is proudly sponsored by New England Royal Service. A local NH business offering commercial cleaning and property maintenance trusted for its exceptional service. Visit neroyal.com to learn more and show us a little love by mentioning this podcast when you reach out!  Now back to today's tip.   Summer is right around the corner which means you are probably planning your summer vacations with loved ones. Ditch the family vacation to the amusement parks this year and take the family on a road trip in a recreational vehicle or camper!     Here are 5 reasons to vacation in an RV:  1. Cost-effective travel. According to Bankrate's Summer Vacation Survey, 47% of Americans chose not to go on a summer vacation in 2024—65% citing affordability as the reason.  One of the biggest vacation costs is transportation, which includes airfare, car rental, parking fees, gas, etc. Now factor in the cost of a hotel room and food on your vacation, and the costs really add up.    When you vacation in an RV, your transportation and place to sleep are rolled into one which helps cut down on costs. Plus, RVs have small kitchen areas included to stock up on food staples before you begin your trip. Instead of eating out for every meal, you can cook some meals in your RV and lower your total vacation costs.     2. Flexibility. Gone are the days of booking a vacation based on the cheapest flights or hotels. RVs give you increased flexibility because when you are traveling and staying in your own mode of transportation, you are not locked down to specific dates and times for vacation.   There's also flexibility if something occurs and you need to delay your vacation by a week. You don't need to worry about changing flights or booking new accommodations because you are traveling in your own mode of transportation.   3. Bring Your Pets. Another pro of vacationing in an RV is being able to bring your pets along. Instead of asking your friends or family to take care of them, or even paying to have someone look after them, you can take them along as travel companions.   Not only is this a good choice for your finances, but it also provides peace of mind so you can spend your vacation relaxing instead of worrying about how your pets are doing without you.   4. Privacy and Comfort. Why would you want to squeeze into the middle seat of an airplane when an alternative is being able to stretch out in the sleeping area, sit in the dining area enjoying a meal or even using the private bathroom while traveling to your destination.     When it comes to sleeping, you have the security of having your own space which can help you feel safer than an AirBnB when in an unfamiliar place. Plus, you can tow your own car behind your RV; that way if you want to explore each destination a little deeper, you can do so in your own car and can avoid a rental car.   5. Bring Home with You Wherever You Go. Another benefit of vacationing in an RV is bringing and using what is most familiar to you. We've all had a terrible night stay at a hotel while on vacation because the pillow just wasn't right or the blanket was too rough. When you vacation in an RV, you can bring your own pillows and blankets (among other things) with you for those comforts of home.      RVs provide more storage space as well which means you aren't confined to just what you can pack in a suitcase. In addition to more clothes, shoes, and bedding, RVs offer the opportunity to bring other things you can use on your vacation.    Maybe you have bicycles or kayaks that you want to use when exploring your new destination; if so, you can bring these along with you when you have the space in an RV!  If you're ready to take the plunge and finance an RV or camper, check out Triangle Credit Union's competitive rates. We also offer low auto rates on new purchases and vehicle refinancing!  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for Triangle Credit Union, on Facebook and LinkedIn.         Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

In this episode, Lawrence shares his out-of-the-office thoughts in preparation for his vacation.  From unexpected insights to rediscovering lost passions, personal thoughts on how time off can bring clarity, creativity, and a fresh perspective.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

NEWS WHIP: A new study by Bankrate shows just how much your location affects insurance premiums after a speeding ticket. Costco adds sweet & savory Chicken & waffles. Jimmy Buffett's Widow Sues to Remove Trustee of $275M Estate // ‘Unfortunately, Altadena is for sale': Developers are buying up burned lots // 5 months after Eaton Fire, rebuilding permits are still being issued sluggishly in Altadena. 15-year-old boy at Campbell Hall dies after being pinned by SUV in school parking lot, police say // Nintendo Switch 2 hype leads to shortages, special store opening hours. Donkey Kong Nintendo Hotline  #SpeedingTickets #Costco #JimmyBuffett #NintendoSwitch2 #DonkeyKong #VideoGames #NintendoHotline 

Are you feeling a bit behind on your goals for retirement?   You're not alone!More than half (57 percent) of Americans working full-time, part-time or who are temporarily unemployed feel behind on their retirement savings, according to Bankrate's latest Retirement Savings Survey.In the 80th edition of the Planning for Retirement podcast, I'll discuss 6 tactical moves to improve your retirement outcomes.  I hope you enjoy it!Also, thanks for your patience this week as my family of 5 + 2 dogs made our move into a new home!  We are swimming in boxes while managing 3 boys being home from summer.  Pray for us! 

Lawrence is solo on today's podcast, discussing the layers of what it means to be wealthy. Beyond luxury cars and flashy lifestyles, we explore the unseen foundations of lasting wealth: mindset, discipline, relationships, and purpose. Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus