Podcasts about emergency funds

Learn how first-generation earners build wealth and how to grow an emergency fund before a possible job loss. How do first-generation earners start and protect generational wealth? How can you bulk up an emergency fund fast if layoffs are looming? Hosts Sean Pyles and Elizabeth Ayoola discuss first-generation wealth building and how to build an emergency fund. Elizabeth first welcomes Grace Vandecruze, founder and managing director at Grace Global Capital LLC, to discuss being the first in her family to accumulate wealth with the goal of passing it down to future generations. Vandecruze shares tips and tricks on shifting a scarcity money mindset, setting firm boundaries with relatives who ask for financial help, and laying a 100-year legacy with insurance, wills, and family money conversations. Then, personal finance Nerd Kim Palmer joins Sean and Elizabeth to discuss fast-tracking an emergency fund before a potential job loss. They discuss smart places to cut variable spending, how to route side-gig income to savings while setting aside money for taxes. They also go over ways to adjust retirement contributions while using frameworks such as the 50/30/20 budget, bare-bones budgeting, and high-yield savings to manage irregular income and avoid slipping back into credit card debt. How to Make Money Online and Offline in 2025: https://www.nerdwallet.com/finance/learn/how-to-make-money  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: budgeting with irregular income, side hustles to make money, no spend challenge, meal planning savings, grocery loyalty programs, variable vs fixed expenses, bare bones budget, high yield savings account, side gig taxes, estimated tax payments, consulting side income, adjunct professor income, nonprofit layoffs, student loan payoff strategy, save bonus vs salary, 403b match, pause retirement contributions, estate planning basics, will and power of attorney, life insurance for families, family money boundaries, saying no to money requests, financial literacy, legacy planning, intergenerational wealth transfer, talking about money with family, and underinsured households. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are the Government about to get this all wrong?---------Check out Plum https://upthegains.co.uk/visit-plum-partner/(When you invest your capital is at risk. Past performance is not a guarantee of future success. Investments can go up and down in value. Lifetime ISAs can be used for a first home purchase or towards retirement)---------In this episode of the Money Gains Podcast we welcome Rajan Lakhani, Head of PR & Comms at Plum to the show. Rajan explains why Rachel Reeves' proposed cash ISA reforms might not achieve their intended goal of boosting UK investment, the psychological barriers preventing people from investing, and the Lifetime ISA trap affecting London buyers.---------

Using a HELOC as an emergency fund isn't always inherently wrong, but it's also not the straightforward optimization it might appear to be on the surface.

Fee-only planner and author Shannon Lee Simmons shares the formative experience that shaped her approach to rainy-day money and why the act of saving beats chasing a perfect number. We cover how to size an emergency fund based on your income risk (entrepreneur vs. salaried), the psychology of having cash on hand to avoid debt, and a pragmatic target: cover core bills and groceries for at least one cycle. You'll learn how to protect your sleep at 3 a.m., keep “mad money” untouchable, and build a buffer that fits your real life, not someone else's rule of thumb. Connect with New School of Finance on Instagram and connect with Shannon on Instagram.

How the federal government shutdown has impacted local universities. And, Santa Cruz County supervisors weigh whether to approve $500,000 in emergency funds for Second Harvest Food Bank amid SNAP upheaval.

In this episode of Moolala: Money Made Simple, host Bruce Sellery explores the “lightbulb moments” that change how we handle money. Fee-only planner and author Shannon Lee Simmons shares the personal story that shaped her approach to emergency funds, why the act of saving matters more than a magic number, how to tailor the size of your fund to your risk and income, and practical ways to avoid sliding into debt when life throws a curveball. Then, portfolio manager Dan Bartolotti of PWL Capital tackles a thorny topic: helping parents or loved ones financially. He lays out clear steps to decide if and how you can help without jeopardizing your own retirement, set healthy boundaries, and navigate family dynamics with transparency. Plus, Jonathan Hackett, Head of Sustainable Finance at BMO, explains the bank's Indigenous Bond - how sustainable debt can channel capital to Indigenous businesses and communities. Finally, certified death doula Michelle Leray demystifies end-of-life support and connects it to estate planning and family conversations you should start now.  Subscribe, review, and share to help more Canadians get confident about their money. To find out more about the guests check out: Shannon Lee Simmons: Instagram New School of Finance: Instagram Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Guest: Sloan Wilkins — Executive Financial Coach & financial well-being advocateLinkedIn: linkedin.com/in/sloan-wilkins/ Website: executivefinancialcoach.com.au Facebook: facebook.com/ExecutiveFinancialCoaching Instagram: instagram.com/sloan_now_here/ TopicsSloan's shift from corporate wealth management to coaching Why he focuses on professionals & business owners (esp. on LinkedIn/BNI) The Meaningful Money Method: purpose + mindful habits + left/right-brain The seven life areas (finances are only one) Foundations: eliminate unproductive debt, build an emergency buffer, create a spending plan (money follows instructions) Retirement & flexibility: fund tomorrow without sacrificing today Workplace financial well-being (Everyday Money Live): reduce turnover, boost productivity Mindset: “progress over perfection,” moving from ambition to meaning Quotes“Life happens outside the spreadsheet.” “Money is great at following instructions—give it a plan.” “Financial freedom is the capacity to live life on your terms.” “Progress, not perfection.” “We don't need to see the whole road—just drive by the headlights.” LinksEpisode page: entrepreneurconundrum.com/sloan-wilkins Sloan Wilkinshttps://www.linkedin.com/in/sloan-wilkins/https://www.facebook.com/ExecutiveFinancialCoachinghttps://www.instagram.com/sloan_now_here/https://executivefinancialcoach.com.auVirginia PurnellFunnel & Visibility SpecialistDistinct Digital Marketing(833) 762-5336virginia@distinctdigitalmarketing.comwww.distinctdigitalmarketing.com

In this episode of PennyWise, host John Kiernan discusses the importance of having an emergency fund and how to build one with Adam McCann, a personal finance writer with WalletHub who is an expert on credit cards and budgeting. John and Adam define what an emergency fund actually is, explore the risks that come with not having one, and provide practical tips for saving more, funding different savings goals, and keeping everything straight. Budgets are tight these days, and you never know when an emergency expense will crop up, so you’ll be glad you listened! John also answers listener questions. More on this episode from WalletHub: Best Budget Apps & How to Save More Money To find the best home for your emergency fund, check out WalletHub's picks for the best savings accounts.

Build generational wealth starting today. In this Thoughts of an Empath episode, I share 5 core habits (+ a retirement bonus) you can put into practice now. No jargon, just practical steps you can repeat for life. Grow With Us!Website: ➜ Thoughtsofanempath.orgInstagram: ➜ [@HumanLevelConversationsJoin the Human Thoughts Online Community: ➜ https://discord.gg/vfTYJsChTjWhat you'll learn (and start doing): Budget & Pay Yourself First — automate “you-first” savings before bills. Emergency Fund — how much to save and where to keep it. Understand Credit — scores, reports, and habits that lift your limit and lower your rates. Pay Off Debt — simple frameworks (snowball vs. avalanche) and when to use each. Investing Basics — accounts, index funds, and the power of consistency. Bonus: Retirement Planning — 401(k), IRA/Roth IRA, employer match, and contribution order. Continue the journey: Comment: What habit are you starting this week? Share this with a friend who's building for their family's future. Subscribe for more empath-first money and mindset episodes. Disclaimer: I'm not a licensed financial advisor. This content is for educational purposes only and is not financial advice. Please do your own research and consult a qualified professional. #generationalwealth #PersonalFinance #PayYourselfFirst #EmergencyFund #CreditTips #DebtFreeJourney #Investing #RetirementPlanning

A federal judge orders the Trump administration to use emergency funds to pay for the Supplemental Nutrition Assistance Program (SNAP) during the federal government shutdown, which is now on Day 31; Senate Republicans do not appear eager to heed President Donald Trump's call to get rid of the Senate filibuster to overcome Democratic opposition to the Republican bill that would reopen the federal government; President Donald Trump says media reports that he is considering military strikes on Venezuelan territory are not true, but questions continue from Members of Congress of both parties about the legal justification for the deadly military attacks on suspected illegal drug carrying boats off the Venezuelan coast; Just a few days until election day 2025. We will take a closer look at the race for governor in Virginia and New Jersey; Daylight Saving Time comes to end this weekend. There was another unsuccessful try this week in the Senate to pass a bill that would stop the twice-yearly clock switching and make Daylight Saving Time permanent. Learn more about your ad choices. Visit megaphone.fm/adchoices

Montanans who rely on federal food assistance could get partial payments in November. That's after benefits were set to freeze because of the federal government shutdown. Multiple courts Friday ordered the Trump administration to use emergency funds to pay for SNAP costs.

On this Halloween Friday Marc begins the day talking about how a Federal Judge might force Trump Administration to use emergency funds to pay Snap Benefits. Scott Jagow joins to discuss if we should continue to go into Daylight Saving time or stick with standard time. Finally, Eric Schmitt was making news with comments about Jack Smith.

Star Tribune columnist Rochelle Olson joins with her thoughts on several national and state political topics along with some commentary on this week's Cheers & Jeers piece.

If you've ever had to dip into your emergency fund, you're not alone. It's such a frustrating feeling to watch your savings go down after working so hard to build it up. You know it's there for a reason, but still, it can feel like a major setback.In this episode, I'm answering a listener question from Rachel, who asked what to do after you've had to use your emergency fund. I've been there myself, and I know how discouraging it can feel to start saving all over again.I'll walk you through how to reframe the way you think about your emergency fund, how to rebuild it step by step, and how to deal with the emotional side of starting over. You'll also hear practical ways to keep future “emergencies” from draining your savings again, plus a few simple mindset shifts that will help you stay motivated while you rebuild.My hope is that you'll walk away feeling encouraged, proud of the progress you've already made, and confident in your ability to bounce back (because you've done it once, and you can do it again).You Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

On day 28 of the federal government shutdown, Senate fails to advance a temporary government bill to reopen the government for the 13th time. It is supported by most Republicans but opposed by most Democrats because it does not address expiring Affordable Care Act health insurance premium tax credits; two dozen states led by Democrats sue over the federal Agriculture Department's plans not to release emergency funding for federal food assistance starting this weekend; air traffic controllers, who must work without pay during the shutdown, miss their first paycheck. We will hear from Transportation Secretary & the president of the Air Traffic Controllers Union; President Donald Trump meets with Japan's new Prime Minister in his latest stop on his weeklong trip to Southeast Asia, calling her a "winner" and signing rare earth minerals deal; U.S. House Oversight Committee Republicans release a report on former President Joe Biden's mental fitness and use of an autopen, concluding that certain executive actions, including pardons, are void, and the Justice Department should investigate. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of "9innings Podcast," host Kevin Thompson, founder and CEO of 9i Capital Group, discusses the critical importance of emergency funds in today's uncertain economy. He explains what an emergency fund is, why it matters, and recommends saving 9 to 12 months of expenses in liquid, low-risk accounts—challenging the traditional 3 to 6 months' advice. Kevin emphasizes that a robust emergency fund provides financial stability, peace of mind, and flexibility during job loss or unexpected expenses, empowering listeners to make better decisions without fear or desperation.Why Emergency Funds Matter in Today's Economy (00:00:59)The Emotional and Relationship Impact of Emergency Funds (00:03:26)How Much Should You Save? (00:05:39)Where to Keep Your Emergency Fund (00:06:58)Adjusting Financial Priorities to Build Your Fund (00:08:01)The Psychology of Financial Security (00:10:12)Call to Action: Assess and Build Your Emergency Fund (00:12:32)Closing Remarks and Final Advice (00:13:30)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications.Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

Let's talk about how Trump won't use emergency funds to keep SNAP up....

Brad thinks Kickstarter is the right place to go for a Brazilian cartoonist who wants to have his work re-published in English, but Dave thinks his co-host is Lost in Translation. Then, the dynamic duo gives some advice to a pro-am cartoonist who just lost their day job and is considering making the move to full-time cartooning. But first, Brad and Dave share some comic convention horror stories.SummaryIn this episode of ComicLab, hosts Brad Guigar and Dave Kellett discuss the chaotic experiences of comic conventions, the challenges of translating comics for the English market, and the importance of building an audience. They also provide advice for cartoonists who have been laid off, emphasizing the need for financial stability. The conversation touches on the realities of comic publishing and the necessity of having an emergency fund when transitioning to full-time cartooning.TakeawaysComic conventions can be chaotic and noisy environments.Translation of comics can be a significant time investment.Building an audience is crucial before launching a comic.Kickstarter can serve as a market research tool for comics.Having an emergency fund is essential for transitioning to full-time cartooning.The comic market in North America is larger than in Brazil.It's important to consider the demand for your work before translating it.Creating new work may be more beneficial than translating old work.Networking and social media can help build an audience for new comics.Financial stability is key when considering a career in comics. You get great rewards when you join the ComicLab Community on Patreon$2 — Early access to episodes$5 — Submit a question for possible use on the show AND get the exclusive ProTips podcast. Plus $2-tier rewards.If you'd like a one-on-one consultation about your comic, book it now!Brad Guigar is the creator of Evil Inc and the author of The Webcomics Handbook. Dave Kellett is the creator of Sheldon and Drive.

You've got questions. We've got two CFPs and a former planner ready to hash it out. Joe Saul-Sehy, OG, Doug, and CFP Anna Allem tackle the money decisions you're actually losing sleep over—and here's the thing: they don't always agree on the answer. That's the point. Should you drain your emergency fund to pay off debt? Is whole life insurance for your kids a smart move or an expensive mistake? How much life insurance do you actually need (not what some calculator tells you)? And when life throws you a curveball—layoff, surprise expense, major purchase—what's the move? With Joe Saul-Sehy's 16 years in financial planning, OG's CFP perspective, and Anna's insights, you'll hear how experienced voices think through these decisions differently—and why your answer might be different than all of theirs. Because the real skill isn't finding THE right answer; it's learning how to make YOUR right call. This episode is for anyone who's ever stared at their bank account thinking, "I know I should do something... but what?" Plus: Doug delivers trivia about the first auto insurance policy (because of course), the gang weighs in on athlete endorsements and reverse mortgages, and there's a TikTok money tip that sparks some debate. What You'll Walk Away With: • How experienced financial minds approach the emergency fund dilemma differently—and what that means for your situation • The whole life insurance debate: when it makes sense for kids and when you're better off elsewhere • A framework for figuring out how much life insurance you actually need—and why the "rules of thumb" don't always work • What to do when your financial plan meets real life (layoffs, surprise bills, major purchases) • The confidence to make a decision even when experts would handle it differently Before You Hit Play, Ask Yourself: What's the one money question you keep Googling but still don't feel confident about? If you're second-guessing your emergency fund, your insurance, or a big financial move, this episode is your permission to stop spinning and start deciding. Got a question we didn't cover? Call in to the show! StackingBenjamins.com/Voicemail FULL SHOW NOTES: https://stackingbenjamins.com/answering-your-burning-financial-questions-1750 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

This episode is sponsored by Cozy Earth, our go-to for buttery-soft, temperature-regulating bamboo sheets and loungewear that actually lasts. Cozy Earth products are made from responsibly sourced materials that keep you cool, cozy, and comfortable through pregnancy, postpartum, and all the snuggly moments in between. Use code HEHE for an exclusive discount at cozyearth.com and treat yourself to the comfort you deserve. In this episode of The Birth Lounge Podcast, HeHe dives into one of the most overlooked parts of preparing for parenthood, financial stability. While the world loves to scare you about “big babies” and sell you all the baby gear under the sun, HeHe and her guest, Dan Brigham (aka Budgeters Anonymous), are here to help you focus on what actually matters: building a strong financial foundation for your growing family. Together, they unpack the sneaky expenses new parents often overlook, smart budgeting strategies that actually work, and how intentional planning can bring more peace and less panic to your postpartum season. Dan shares his journey of overcoming debt, creating financial freedom, and shifting the mindset from “surviving” to thriving. They also get real about emergency funds, 529 plans, IRAs for kids, and how to get on the same financial page with your partner. This is the money talk every parent needs: judgment-free, empowering, and designed to help you build the future your family deserves. PSA for all my mamas worried about “big baby” talk: Our brand new course — Pushing Out Your Big A** Baby is officially live and in pre-sale until November 1! This class busts through every scare tactic, lays out the real evidence, and gives you the exact tools to advocate for yourself with confidence (no matter how big your baby is). Grab your spot at thebirthlounge.com/bigbaby 00:00 Introduction: Financial Stability for New Parents 00:49 The Myth of the Big Baby 01:31 Understanding Macrosomia and Birth Advocacy 03:05 Introducing the New Course: Pushing Out Your Big Ass Baby 03:27 Pre-Sale Announcement and Course Details 05:01 Budgeting for a Baby: An Essential Guide 05:45 Meet Dan Brigham: Budgeting Expert 08:25 Defining Financial Responsibility 12:22 Good Debt vs. Bad Debt 15:52 Intentional Spending and Budgeting Frameworks 23:34 Making a Baby Budget: Practical Tips 32:33 The Reality of Social Media and Financial Comparisons 35:31 No Spend Weekends: Finding Purpose Beyond Money 38:10 Nesting Instincts and Cozy Earth 41:06 Budgeting for a Baby 44:03 Emergency Funds and Financial Priorities 47:15 Setting Up Financial Accounts for Your Child 51:45 Tracking Expenses and Budgeting Tools 58:59 Mindsets for Financial Success 01:06:57 Final Thoughts and Key Takeaways   Guest Bio: Dan is the founder of Budgeters Anonymous and has free resources on his website. Dan's focus is Faith, Fitness, Family and Finance.  INSTAGRAM: Connect with HeHe on IG  Connect with Dan on IG    BIRTH EDUCATION: Join The Birth Lounge here for judgment-free childbirth education that prepares you for an informed birth and how to confidently navigate hospital policy to have a trauma-free labor experience!   Download The Birth Lounge App for birth & postpartum prep delivered straight to your phone!   LINKS MENTIONED: Find Dan here: budgetersanonymous.com

What if your emergency fund is actually too big? In this week's episode, Dr. Jimmy Turner and Justin Harvey tackle that question — plus a few more from listeners in another grab-bag style show that blends practical advice with behavioral finance insights. Specifically they tackle:When to Drop Life & Disability Insurance:How to decide if you're truly financially independent enough to cancel term life or long-term disability — and why many physicians pull the trigger too early.Lease or Buy That New Car?:With income jumps and lifestyle creep in mind, they unpack whether to lease a luxury SUV or buy something mid-range, how financing fits into a high-income household, and why automating your financial goals should come before upgrading your ride.The “Too Big” Emergency Fund Debate:How much cash should high earners keep on hand — and why disagreements over emergency funds often trace back to money stories and emotional experiences around security and scarcity.From peace-of-mind trade-offs to spousal financial dynamics, this episode dives deep into the intersection of math, mindset, and marriage.

What if your emergency fund is actually too big? In this week's episode, Dr. Jimmy Turner and Justin Harvey tackle that question — plus a few more from listeners in another grab-bag style show that blends practical advice with behavioral finance insights. Specifically they tackle:When to Drop Life & Disability Insurance:How to decide if you're truly financially independent enough to cancel term life or long-term disability — and why many physicians pull the trigger too early.Lease or Buy That New Car?:With income jumps and lifestyle creep in mind, they unpack whether to lease a luxury SUV or buy something mid-range, how financing fits into a high-income household, and why automating your financial goals should come before upgrading your ride.The “Too Big” Emergency Fund Debate:How much cash should high earners keep on hand — and why disagreements over emergency funds often trace back to money stories and emotional experiences around security and scarcity.From peace-of-mind trade-offs to spousal financial dynamics, this episode dives deep into the intersection of math, mindset, and marriage.

Jason and Jeff are joined by financial planning expert Robert Brokamp to discuss key concepts in retirement planning for individuals at every stage of their career, covering topics such as 401(k)s, Roth IRAs, pensions, and the importance of cash and bonds in both accumulation and retirement phases.00:48 Introducing the Guest: Robert Brokamp01:31 Previous Episodes and Listener Feedback02:32 Retirement Planning for New Adults04:51 Maximizing Employer Match Contributions09:25 Roth vs. Traditional 401(k)13:21 Pensions and Retirement Income21:46 Retirement Lifestyle and Planning25:56 Emergency Funds and Cash Management27:14 Living in Uncertainty: The Need for a Backup Plan27:47 Retirement Savings: Stocks vs. Cash28:02 The Importance of Cash in Volatile Markets29:46 Approaching Retirement: Adjusting Your Portfolio30:55 Building a Cash Cushion and Transitioning to Bonds33:02 Understanding Bonds: Funds vs. Individual Bonds36:01 The Impact of Interest Rates on Bonds44:51 Holding Stocks in Retirement49:21 Required Minimum Distributions and Tax Strategies50:51 Finding Joy in Work and Retirement*****************************************Join our PatreonSubscribe to our portfolio on Savvy Trader *****************************************Email: investingunscripted@gmail.comTwitter: @InvestingPodCheck out our YouTube channel for more content: ******************************************To get 15% off any paid plan at fiscal.ai, visit https://fiscal.ai/unscripted******************************************Listen to the Chit Chat Stocks Podcast for discussions on stocks, financial markets, super investors, and more. Follow the show on Spotify, Apple Podcasts, or YouTube******************************************The Smattering Six2025 Portfolio Contest2024 Portfolio Contest2023 Portfolio Contest

Before you buy your first home or invest in real estate, you need a financial safety net that actually works. In this episode of CT Real Estate Edge, Rob Weinberg breaks down how to build your emergency fund step by step, even if money feels tight right now. You'll learn: Exactly how much you should save (3, 6, or 12 months of expenses?) Fast ways to grow your fund without overhauling your lifestyle The best places to keep your emergency cash for quick access Why this one move separates confident homeowners from stressed ones Whether you're buying your first home, scaling your investment portfolio, or just getting your financial footing, this episode will help you crisis-proof your money so you can move forward with confidence.

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she shares how to create an emergency fund that truly fits you—your current season, your lifestyle, and your goals. She explains why one-size-fits-all advice doesn't work, how to decide what's “enough,” and how to make sure your savings strategy aligns with your vision for life and work.Key Takeaways:Match your fund to your goals and current season.Avoid one-size-fits-all advice.Save with clarity, not guilt.Timestamps: 01:10 Why funds should match goals02:30 Purpose of an emergency fund04:00 How your season affects savings05:45 Common saving mistakes07:15 Aligning fund with goals09:00 When to rebuild or adjust10:40 Flexibility in money planning12:00 Shifting from guilt to clarity13:40 Fund that supports peaceRelated Episodes:The Secret To Making Your Money Work For You!Anxious About Retirement? Here Are Some Things You Should ConsiderConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

The IRS has released the federal income tax brackets for 2026. In this episode, Art explains how marginal tax rates really work and walks through the latest updates. He also unpacks recent news about Americans' shrinking emergency funds. Don't miss it!Resources: 8 Money MilestonesAsk a Money Question!

Ryan and Becca continue last week's conversation by diving into the tough but important topic of scaling back, pivoting, or even closing a business for long-term sustainability. They discuss how to reassess key expenses—like staffing, studio space, and pricing—to keep your business profitable, and share ideas for alternative strategies such as wholesale partnerships and smarter use of social media. The episode also explores financial management for artists and makers, including tips on building an emergency fund (with a little incentive to get you started).SponsorsL&L Kilns - The durable kiln that potters trust to fire evenly & consistently. Find your L&L kiln at hotkilns.comSoolla® - Soolla Studio Bags are designed by potters, for potters that come in 25+ colors and equipped with 30 pockets. Machine washable, durable, and quick drying canvas. Find your new studio bag at soolla.co and save 15% at checkout with coupon code "WHEELTALK"Support the show on Patreon for as little as $3 per month: https://patreon.com/WheeltalkpodcastFollow us on Instagram:@wheeltalkpodcast@rdceramics@5linespotteryVisit our website:www.wheeltalkpotcast.comWheel Talk YouTube Channel

Updates available on militarymoneymanual.com/shutdown Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month USAA Government Shutdown Program 0% loan, credit check required, up to $6,000 Navy Federal Government Shutdown Assistance, Paycheck Assistance Program 0%, no credit check required, up to $6,000 PenFed Service Credit Union Spencer Reese delivers a timely solo episode addressing the 2025 federal government shutdown and its impact on military families. Recorded on October 8th, just days into the shutdown, this episode provides practical, actionable guidance on navigating the financial challenges of missed paychecks, accessing zero-interest loans from military-friendly banks, and protecting yourself from shutdown-related scams. While the Military Money Manual typically focuses on evergreen content, this episode addresses an urgent situation affecting active duty service members, federal employees, and military contractors. Topics Covered Government Shutdown Basics: Active duty military deemed mission essential, must continue reporting to work October 1st paycheck protected (work performed in September) October 15th paycheck at risk Historical precedent: 2018-2019 Coast Guard missed paychecks for 35 days Backpay is guaranteed by law once shutdown ends Veterans, retirees, VA disability, and Social Security payments protected (separate funding sources) USAA Government Shutdown Assistance Program: https://www.usaa.com/support/government-shutdown-program/ Zero-interest loan: $500-$6,000 based on last direct deposit amount Requirements: Direct deposit established before shutdown, at least one qualifying deposit in 30 days prior, US/military address (APO/FPO/DPO), credit approval required Repayment: 3 months, two equal installments (first payment ~60 days, second ~90 days) Additional relief: Auto/property insurance payment relief Credit cards: 3-month payment extension Consumer loans: 2-month extension with no interest Overdraft fees waived Home equity lines: 3-month payment extension Navy Federal Paycheck Assistance Program: https://www.navyfederal.org/about/government-shutdown.html Zero-interest loan: $250-$6,000 based on last direct deposit Major advantages: No credit check, not reported to credit bureaus Eligibility: Federal employees, active duty service members, federal contractors paid directly by government (broader than USAA) Registration deadline: Day before scheduled payday for funds on normal pay date (can register up to 3 days after, but won't receive funds immediately) Automatic repayment: Once direct deposit resumes, Navy Federal automatically deducts loan amount Backup repayment: If shutdown continues, repayment occurs 6 days after loan receipt Service Credit Union Options: 0% APR for up to 4 months No payments for up to 90 days Up to $5,000 for qualifying members Standard underwriting criteria applies (may require credit check) Military Aid Societies (All Interest-Free): Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month Historical Context: 2011: Near shutdown (averted) 2013: 16-day shutdown 2018: 3-day shutdown 2018-2019: 35-day shutdown (Coast Guard NOT paid) Bipartisan political theater regardless of which party controls Congress Military pay typically protected by last-minute "Pay Our Troops Act" Immediate Action Steps Reduce non-essential expenses - No big purchases or travel bookings Contact lenders - Request payment deferrals on mortgage, car, rent, student loans, credit cards Apply for 0% loans - Through USAA, Navy Federal, or Service Credit Union if needed Reach out to aid societies - Before considering any payday loans, auto title loans, or carrying credit card debt Watch for scams - Only use verified websites (USAA.com, NavyFederal.org), hang up and call back on suspicious calls Long-Term Action Steps Build an emergency fund - Minimum $1,000, ideally $10,000+ Switch to military-friendly bank - If current bank doesn't offer shutdown assistance Break paycheck-to-paycheck cycle - If missing one paycheck derails your finances, you have a financial emergency Turn off the news - Constant updates increase anxiety without adding value Focus on what you can control - Maintain internal locus of control Critical Security Warnings Scam Prevention: Only access programs through official websites: USAA.com and NavyFederal.org DO NOT use payday lenders or auto title loan companies DO NOT go through intermediaries If you receive a phone call claiming to be from Navy Federal or USAA, hang up and call back using verified number from app or official website Verify all communications independently Key Takeaways Don't panic - This has happened before and will likely happen again You will be backpaid - Military pay typically protected; backpay is guaranteed by law Assistance is available - Multiple 0% loan options and interest-free aid society loans Use this as motivation - Build financial resilience and emergency funds Emergency funds are essential - Perfect example of why military members need cash reserves Related Episodes Episode 95: Previous government shutdown episode (check for still-relevant information) Resources & Links Military-Friendly Banks: USAA.com - Government shutdown assistance NavyFederal.org - Paycheck assistance program Service Credit Union - Shutdown loan program Military Aid Societies (Interest-Free Loans): Air Force Aid Society - Covers Air Force and Space Force Navy Marine Corps Relief Society - Quick assist loans Army Emergency Relief - Same-day to 48-hour assistance Coast Guard Mutual Assistance - Quick loan program Apply for Assistance: Register with Navy Federal by day before payday for funds on schedule USAA requires credit approval (new requirement) Aid societies offer interest-free alternatives to commercial loans Who This Episode Is For Active duty military facing potential missed paychecks Federal employees impacted by shutdown Federal contractors paid directly by government Military spouses managing finances during shutdown Anyone needing immediate financial assistance during government disruptions Contact Information Host: Spencer Reese Connect: Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Share this episode with others in your unit or squadron so they know the steps to take during a government shutdown. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

It's time to flip your money script with my guest, financial planner, money mindset coach and entrepreneur Afra Schimming-Chase. In our conversation, we're sharing simple, practical and creative ways to help you create peace and ease around your money. We uncover so many gems on building abundance, including: ·       Why the mantra “How you do money is how you do life” is your most powerful starting point.·       How to stop saving from a negative space and use a simple reframe for your Emergency Fund to help you create freedom now—and in the future.·       The surprising revelation about the energetic “hit” of having debt.·       How to be in charge of your money, rather than your money being in charge of you.·       What it really means to “pay yourself first.”·       The role simple gratitude plays in helping you create financial freedom.·       How to make every day payday!Give us a shoutout on Instagram and let us know what you loved the most:Karen: @karenc.powellAfra: @chaseandassociatesccGet in touch with Afra: afras@chase.com.na

Ever wondered about emergency funds? Beth and Jessica talk more about how, when, and why you should have an emergency fund. Plus, they talk about how saved money can sometimes have emotions. Listen to hear more! Do it or don’t challenge: Review (or think about for the first time!) your emergency fund. How much do you need? How much do you have? Thanks to Atoria for writing and performing our fabulous intro and outro music.  We’d love to hear from you! Do you have an emergency fund?  Where do you keep it?  How many months of expenses do you keep in it? Get in touch by emailing frugaliciouspod[at] gmail.com or searching for us on social @frugaliciouspod.The post #39 – Let's Talk Emergency Funds first appeared on Frugalicious.

President Ferdinand Marcos Jr. visited the affected areas by the magnitude 6.9 earthquake in Cebu City. The National Government has extended 200 million pesos in financial assistance. - Binisita ni Pangulong Ferdinand Marcos Jr. ang lalawigan ng Cebu na tinamaan ng magnitude 6.9 na lindol at ipinagkaloob ng national government ang higit 200 milyong pisong tulong pinansiyal angsa pagbangon ng Cebu.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you letting too much of your business's hard-earned cash sit idle when it could be working for you in multiple ways?As a business owner, you know the importance of having liquidity—an emergency or opportunity fund you can access instantly. But parking that money in a savings account or GIC often feels wasteful, especially when inflation eats away at its value. The challenge is balancing peace of mind with real growth. That's where the idea of a “wealth reservoir” comes in: a structured way to protect cash, keep it liquid, and still put it to work building long-term wealth.In this episode, you'll discover:How a whole life insurance policy can serve as a corporate wealth reservoir, giving you both liquidity and steady growth.Practical strategies for deciding how much to contribute and how to scale as your retained earnings grow.The emotional and financial considerations for starting small—and why most successful business owners eventually build multiple reservoirs.Press play now to learn how to transform idle corporate cash into a powerful engine for security, opportunity, and long-term wealth.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Building a strong Canadian wealth plan starts with a clear financial vision setting process and the right mix of financial buckets to support both corporate finance and personal finance goals. By using a wealth reservoir—a strategy that leverages insurance policies to keep retained earnings liquid while still growing—you can create an emergency fund and opportunity fund that optimize cash flow. For the Canadian entrepreneur finance journey, this ties directly into corporate wealth planning, corporation investment strategies, and personal vReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Insurance isn't boring—it's the foundation of your wealth plan. Most people treat it like an afterthought, only glancing at benefits during open enrollment and hoping nothing bad happens. That's exactly why so many families end up scrambling when life hits them with the unexpected.In this episode, I sit down with Maxwell Schmitz, a disability insurance and income protection expert, to rip apart the myths and excuses around insurance. We cover the psychology behind why people ignore it, the real risks you're facing, and why disability insurance is more likely to impact your life than death during your working years.We break down the most common myths:“I'm too young for that.”“I've got coverage through work, I'm good.”“Insurance is a waste of money.”Max exposes the flaws in that thinking with numbers, stories, and blunt truth. We also dive into why group plans don't cover nearly as much as you think, why cost isn't the real barrier, and how insurance fits on the defensive side of your wealth strategy.You'll walk away knowing the exact policies to check before the year ends, the one question you should be asking your advisor, and why your emergency fund is the first move if you do nothing else.This is a raw, no-BS conversation about protecting your income, your family, and your peace of mind. Watch the full episode on YouTube: https://youtu.be/aCx9zCcjhIIAs always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!Twitter, FaceBook, Instagram, Tiktok, LinkedinDISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

From AssetBuilder's Plano HQ, host Joey Badinger sits down with Adam Morse, Janet Griffith, and Tommy Williams to unpack America's debt picture—from household budgets to the federal balance sheet. We break down mortgages vs. auto/student/credit-card debt, what rising rates mean, how to use debt-to-income (DTI) the smart way (the 28/36 rule), and practical habits to avoid lifestyle creep and instant-gratification financing. You'll learn: How much U.S. households owe (and where it sits by generation) Why mortgages can be “productive” debt—and why long car loans aren't Current rate realities (mortgage, auto, student loans, credit cards) Exactly how to calculate your DTI (with target ranges) Behavior traps: BNPL, long auto terms, monthly-payment thinking What “deficits” mean at home and at the national level—and why they compound Hosts & Credentials: Joey Badinger (Lead Advisor), Adam Morse (Director of Advising), Janet Griffith (Senior Advisor), Tommy Williams (Associate Advisor), AssetBuilder, Plano, TX. Contact the show: https://www.assetbuilder.com Chapters 00:00 Intro & Disclaimer 00:32 Welcome, Hosts & Setup (Plano HQ) 01:00 What We're Covering: Consumer vs. National Debt 02:00 U.S. Household Debt Snapshot (Totals & Averages) 03:15 Debt by Age Cohort (30–39, 40–49 peak, etc.) 05:10 Gen Z, Mortgages & Down Payments 06:00 Is Debt “Bad”? Productive vs. Dangerous Debt 07:20 National Debt vs. GDP (Post-WWII to Today) 09:40 Auto Loans Deep Dive (Long Terms, Delinquencies) 12:10 Average Loan Sizes (New vs. Used) 13:00 Deficits at Home & Nationally—What It Means 14:20 Growth Limits, Demographics & Reality Check 16:00 Rate Check: Mortgage, Auto, Credit Cards, Student Loans 18:30 Emergency Funds > High-APR Credit Cards 20:10 BNPL & Instant-Gratification Traps 21:10 Know Your Biases (Impulse, Overconfidence) 22:40 Budgeting Habits That Actually Stick 26:10 How to Calculate DTI (28/36 Rule) 28:30 Lender Approval vs. Healthy DTI 31:00 Why 70+ Debt Can Be Risky (Context Matters) 33:00 Depreciating vs. Appreciating Assets (Cars vs. Homes) 34:20 Action Steps: Start Small, Delay Gratification 36:00 How to Contact & Subscribe 36:30 Sign-Off & Disclosure Key Takeaways Debt is a tool, not a villain. Mortgages can raise quality of life; revolving/consumer debt at high APRs can snowball. Auto loans are 2nd-largest consumer debt and loan terms are stretching—be wary of “just the monthly.” Credit-card APRs >20% make balances dangerous; build emergency savings to avoid swipes under stress. DTI targets: ≤28% housing (PITI+HOA), ≤36% total debts is healthy; 50%+ is a red flag. Behavior beats hacks: budget regularly, delay gratification, prefer used cars/shorter terms, question “need vs. want.” Hashtags & Keywords Keywords: consumer debt 2025, debt to income ratio, 28/36 rule, mortgage vs rent, auto loan terms, credit card APR, student loans, national debt vs GDP, budgeting tips, AssetBuilder advisors Hashtags: #PersonalFinance #DebtFreeJourney #DTI #Mortgage #AutoLoans #CreditCards #Investing #Budgeting #KeepItSimplePodcast #AssetBuilder

Welcome back to Market Moment! In today's episode, Matt, John and Eli explore one of the most common personal finance questions:  "How much should I have in an emergency fund — both before and during retirement?" Together, they unpack the strategy behind building a resilient emergency fund, including:

So what happens when trans youth are old enough for puberty blockers? What do they have to go through to get access to that care? Let me tell you how difficult it was for me, as an adult, and you'll maybe see how many barriers trans kids actually face. And we discuss the lengths good parents will go to in order to keep their kids safe. Karla, the cis mom of a trans kid, returns to discuss finding your humanity. Trans care is more important than cis mistakes, and children are people, not property! TEXT VERSION https://www.tillystranstuesdays.com/2025/09/23/trans-kids-2-the-intake-exam-and-trans-flight/ FURTHER READING (topics discussed with essays available at http://TillysTransTuesdays.com) Trans Kids 1: Facts and Dangers, Gender Dysphoria, Trans Day of Visibility (yes you are trans enough), Bodily Autonomy (and my tattoo), The Trans Allegories of The Matrix, The Trans Allegory of Barbie, The Trans Allegory of I Saw the TV Glow, The Trans Allegory of Star Trek: Strange New Worlds' "Ad Astra Per Aspera", The Trans Allegory of Real Genius, The Trans Allegory of The Twilight Zone's "Nervous Man in a Four Dollar Room", Trans Politics 1-2, Performative Allyship, Performative Allyship 2: False Allyship, Proactive Allyship (be an accomplice), No Escape 2: Some Escape REFERENCE MATERIAL Begin Transmission: The Trans Allegories of The Matrix - https://ko-fi.com/tillybridges/shop Informed consent/assent in children - https://pubmed.ncbi.nlm.nih.gov/12884032/ Housing and Homelessness - https://transequality.org/issues/housing-homelessness Jobs and Housing - https://ustranssurvey.org/report/jobs-housing/ What I Wish I Knew Before My Child Came Out As Transgender - https://vanessaleenic.wordpress.com/2019/08/18/what-i-wish-i-knew-before-my-child-came-out-as-transgender/ What I Wish People Knew About Raising A Trans Child - https://www.sparklesandstretchmarks.com/what-i-wish-people-knew-about-raising/ I'm raising a transgender son. My child is not a threat - https://www.usatoday.com/story/opinion/voices/2025/08/07/parent-trans-kids-gender-affirming-care-trump/85428839007/ Anguish lingers as transgender kids' families seek medical care outside Texas - https://www.cnn.com/2024/01/27/us/texas-families-transgender-youth-gender-affirming-care-ban New state laws force families with trans kids to seek gender-affirming care elsewhere - https://www.pbs.org/newshour/nation/new-state-laws-force-families-with-trans-kids-to-seek-gender-affirming-care-elsewhere These families say they're leaving the U.S. because of its anti-transgender climate - https://www.nbcnews.com/nbc-out/out-news/families-say-leaving-us-anti-transgender-climate-rcna206560​ Families With Trans Kids Are Fleeing the U.S. - https://www.rollingstone.com/culture/culture-features/trans-youth-trump-leaving-u-s-1235256729/ Trans Relocation Guide: Finding Trans Asylum and Safe Havens - https://translash.org/resources/trans-relocation-guide-finding-trans-asylum-and-safe-havens/ Emergency Funds for Relocating and Supporting Families and Transgender Individuals - https://transbar.org/emergency-funds-for-relocating-and-supporting-families-and-transgender-individuals/ Trans Relocation Assistance - https://translifeline.org/resource_category/relocation-assistance/ Utah lawmakers' own study found gender-affirming care benefits trans youth. Will they lift the treatment ban? - https://www.sltrib.com/news/politics/2025/05/22/utah-lawmakers-own-study-found/ Helen Joyce reveals plans to use fears around trans kids as stepping stone to eliminate “trans” in public life - https://transsafety.network/posts/joyce-speech-plans-to-abolish-trans-rights/ BOOKS FOR TRANS KIDS It Feels Good to be Yourself - https://bookshop.org/p/books/it-feels-good-to-be-yourself-a-book-about-gender-identity-theresa-thorn/7b755052cac75b9d My Shadow is Pink - https://bookshop.org/p/books/my-shadow-is-pink-scott-stuart/e7c85ad37127bf61 Call Me Max - https://bookshop.org/p/books/call-me-max-max-and-friends-1-max-and-friends-1-kyle-lukoff/d56c062a3dc543da Me and My Dysphoria Monster - https://bookshop.org/p/books/me-and-my-dysphoria-monster-an-empowering-story-to-help-children-cope-with-gender-dysphoria-laura-kate-dale/62a8e561b592613f Pink , Blue or Rainbow... It's Okay to Be you! - https://bookshop.org/p/books/pink-blue-or-rainbow-it-s-ok-to-be-you-hayley-m-davidson/f1c120b62d13623b Being You - https://bookshop.org/p/books/being-you-a-first-conversation-about-gender-jessica-ralli/11c616ec30704929 Pink, Blue and You! Questions for Kids About Gender Stereotypes - https://bookshop.org/p/books/pink-blue-and-you-questions-for-kids-about-gender-stereotypes-elise-gravel/52b0ecb2491f81df Fred Gets Dressed - https://bookshop.org/p/books/fred-gets-dressed-peter-brown/d2910c2ceef81d84 Who Are You? The Kid's Guide to Gender Identity - https://bookshop.org/p/books/who-are-you-the-kid-s-guide-to-gender-identity-brook-pessin-whedbee/424832cc1ecb65d6 Special thanks to Daisy and Jane for the use of "Sorry Not Sorry" as our show's theme music. Please stop by and show your support at daisyandjane.bandcamp.com and soundcloud.com/daisyandjane --Please leave us a rating on Apple Podcasts/iTunes!-- Website: pendantaudio.com Bluesky: @pendantaudio.bsky.social‬

U.S. News & World Report has released its latest college rankings, with four Illinois universities making the grade - plus tips for handling a financial emergency and making your next vacation a “one-parent trip.”

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3287: Michelle Schroeder-Gardner explains why relying solely on credit cards for emergencies can be a risky financial strategy. She highlights how an emergency savings fund provides security, reduces stress, and protects against debt traps, offering peace of mind no matter what life throws your way. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/credit-cards-for-your-emergency-savings-fund-amount.html Quotes to ponder: "Even if you can only manage $500 to $1,000 right now, that is better than nothing." "My problem with using credit cards as your sole source for an emergency fund is that it may lead to more debt in some situations." "You never know if something may come up, how big the expense may be, and whether or not you will have enough credit to fund the expense." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3287: Michelle Schroeder-Gardner explains why relying solely on credit cards for emergencies can be a risky financial strategy. She highlights how an emergency savings fund provides security, reduces stress, and protects against debt traps, offering peace of mind no matter what life throws your way. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/credit-cards-for-your-emergency-savings-fund-amount.html Quotes to ponder: "Even if you can only manage $500 to $1,000 right now, that is better than nothing." "My problem with using credit cards as your sole source for an emergency fund is that it may lead to more debt in some situations." "You never know if something may come up, how big the expense may be, and whether or not you will have enough credit to fund the expense." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3287: Michelle Schroeder-Gardner explains why relying solely on credit cards for emergencies can be a risky financial strategy. She highlights how an emergency savings fund provides security, reduces stress, and protects against debt traps, offering peace of mind no matter what life throws your way. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/credit-cards-for-your-emergency-savings-fund-amount.html Quotes to ponder: "Even if you can only manage $500 to $1,000 right now, that is better than nothing." "My problem with using credit cards as your sole source for an emergency fund is that it may lead to more debt in some situations." "You never know if something may come up, how big the expense may be, and whether or not you will have enough credit to fund the expense." Learn more about your ad choices. Visit megaphone.fm/adchoices

#246: Today we explore contrarian takes on budgeting, the 4% rule, retirement planning, and the risks of blindly investing in bonds. We also cover strategies for investing, spending, and rethinking how to use money with purpose. Tyler Gardner is a personal finance creator, educator, and former portfolio manager who's built a following by challenging conventional money wisdom. He's also the host of Your Money Guide on the Side. Link to Full Show Notes: https://chrishutchins.com/rethinking-personal-finance-tyler-gardner Partner Deals Trust & Will: Get 20% off personalized, legally binding estate plans LMNT: Free sample pack of my favorite electrolyte drink mix Mercury: Help your business grow with simplified finances Vuori: 20% off the most comfortable performance apparel I've ever worn Superhuman: Free month of the fastest and best email with code ALLTHEHACKS For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Tyler: Podcast | Instagram | TikTok Should I Invest in Bonds? Bill Perkins: Die With Zero: Getting All You Can from Your Money and Your Life ATH Podcast Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (00:54) The True Purpose of Wealth (04:18) Do We Really Need an Emergency Fund? (07:22) Where to Keep Your Money During Uncertainty (14:45) Quick History Behind the 4% Rule (18:18) Modifying the 4% Rule for Retirement (22:30) The Flaws of the 4% Rule (25:51) How People in Iceland Approach Careers (27:11) Why You Should Learn to Occupy Time with Your Passion (31:48) Pursuing a Portfolio Career (35:20) The Importance of Having "Financial Neighbors" (38:55) Tyler's One Piece of Advice to Everyone (42:29) The Problem of Inheriting Money Scripts (45:35) Ways to Overcome Frugality (49:57) Tyler's View on Budgeting (54:28) How to Think About Taking Risks (57:38) Monte Carlo Scenarios (01:02:26) The Coast FIRE Movement (01:04:41) Why Tyler Doesn't Like Bonds (01:06:54) The Core-Satellite Approach for Investing (01:12:38) Important Investing Lessons (01:13:56) Where to Find Tyler Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

TEXT THE SHOW!!!Support the showQuestions, Comments, or Show Ideas?Email the show: RealTalkPersonalFinance@gmail.comBECOME A PREMIUM SUBSCRIBER TODAY!Get some RTPF merch! Use Promo Code RTPF10 for 10% off!Interested in starting your own podcast? Get a $20 Amazon giftcard with this link! Here's the OG USB microphone I use for the show Here's the Pop Filter I use on my microphone for the show Here's the Headset I use for the show

Feeling that late-summer bank account hangover? In Part 2 of my Back-to-School, Back-to-Budget mini-series, we run a Fall Financial Checkup—so you stop flying blind and start making confident money moves before holiday spending hits. I walk you through a 30-minute cash-flow audit, a ruthless subscription/money-leak review, and a realistic September budget using either the 50/30/20 rule or my BFF Budget (Budgeting Financial Friend). We'll firm up your emergency fund, set sinking funds for predictable costs (gifts, travel, winter gear, annual bills), and choose a debt payoff strategy (snowball vs avalanche) you can actually stick with. You'll learn: How to calculate true cash flow (not just salary) and spot hidden spending A 15-minute subscription audit to kill money leaks fast The difference between needs, wants, and “future you” (savings/debt) How to build sinking funds to holiday-proof your budget Debt snowball vs avalanche: which to use and when The weekly money check-in ritual that keeps you out of panic mode Perfect for: anyone craving a September budget reset, prepping for holiday spending, or ready to ditch autopilot and build an intentional fall budgeting routine. Share this with a friend who needs a money cleanup, follow us on Instagram @everyonestalkinmoney for more tips and subscribe so you don't miss Part 3: Smart Spending for a Busy Season. Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you treating your emergency fund like a financial afterthought — or a true wealth-building tool?Let's face it: stashing money away for “just in case” doesn't exactly spark excitement. Most people either avoid building an emergency fund altogether or assume a line of credit will save the day. But what happens when access to borrowing tightens, or a true emergency hits? This episode challenges the traditional, passive approach to emergency funds — and offers a smarter, more strategic alternative that works with your wealth-building goals, not against them.This episode is a re-broadcast from episode 54. First released in December 2023.In this episode, you'll discover:How much you really need in an emergency fund — and how to calculate it without guessworkWhy typical advice (like keeping cash in a savings account) might actually be costing you moneyA creative, lesser-known strategy that transforms your emergency fund into a safe, flexible opportunity fundLearn how to supercharge your emergency fund and make it work harder for your financial future — press play now.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting cordporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Financial freedom in Canada takes more than income — it takes strategy. Whether you're a seasoned entrepreneur, high-earning professional, or building wealth through real estate, mastering the four phases of a healthy financial plan is non-negotiable. This podcast unpacks the smartest Canadian tax strategies, corporate structuring moves, and investment tactics that create lasting wealth. From optimizing RRSP room and leveraging real estate to balancing salary vs dividends and planning your legacy, we focus on actionable insights tailored for busReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

The Nerds debut a new Budget Rehab segment, dissecting a real family's budget to reveal strategies for saving more, investing smarter, and managing lifestyle costs. Plus: tariffs' role in rising auto insurance. Why are auto insurance premiums continuing to climb, and what do tariffs have to do with it? How can a real family adjust their budget to meet their financial goals? Hosts Sean Pyles and Elizabeth Ayoola debut a new Budget Rehab segment, where they take a hands-on approach to evaluating a listener's finances. But first, they're joined by senior news writer Anna Helhoski and insurance Nerd Andrew Hurst to unpack the forces driving auto insurance costs higher in 2025. They discuss how tariffs on imported parts, inflation, and more expensive claims are putting pressure on premiums—and what drivers can do to find competitive rates in a shifting insurance market. Then Sean and Elizabeth are joined by Garrett, a listener who receives the first “Budget Rehab” on Smart Money. They walk through his family's finances step by step, from a stretched grocery bill and drained emergency fund to the challenges of saving while raising a young child. The conversation covers how Garrett and his wife can rebuild their financial cushion after buying a new car, prepare for the possibility of living on one income, and expand retirement savings through tools like IRAs and solo 401(k)s. Along the way, they highlight practical strategies for balancing wants and needs while still leaving room for joy in the family budget. Inspired to navigate your finances with an advisor? Use NerdWallet Advisors Match to find vetted professionals today at https://www.nerdwalletadvisors.com/match  NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management: https://nerdwalletwealthpartners.com/  Rates for auto and homeowners insurance have been on the rise. NerdWallet's here to help consumers navigate those changes: https://www.nerdwallet.com/insurance/data#auto-insurance  Use NerdWallet's free retirement calculator to check your progress, see how much retirement income you'll have and estimate how much more you should save: https://www.nerdwallet.com/calculator/retirement-calculator Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: budget rehab, household budget planning, how to use 50/30/20 budget, family budget with one income, rebuild emergency fund, self-employed budgeting tips, budgeting for stay at home parents, budgeting for a baby, how to save on groceries, Costco vs Trader Joe's groceries, reducing travel expenses, retirement savings for self-employed, IRA contribution limits, rising auto insurance costs 2025, auto insurance tariffs, car insurance premiums 2025, supply chain car parts, reinsurance premiums, weather-related claims auto insurance, social inflation insurance, state auto insurance increases, and comparing car insurance rates. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

What do Roth accounts, Dave Ramsey, and emergency funds have in common? They all came up when Melissa Joy, CFP®, opened the floor to your questions.At the Dexter Summer Festival, Melissa asked community members to submit their burning money questions—and now she's answering them in this special mailbag episode. From investment strategies to budgeting hacks, she covers the practical, the personal, and the myths worth busting.

This weeks show covers the active vs. passive debate, why whole life insurance isn't an investment, Donor Advised Funds, and a lot of emails!

Investing your emergency fund may promise higher returns, but it puts essential savings at risk of loss and delayed access. Today's Stocks & Topics: IYH - iShares U.S. Healthcare ETF, Market Wrap, V - Visa Inc., Why You Shouldn't Invest Your Emergency Fund, SCHW - Charles Schwab Corp, PYPL - PayPal Holdings Inc., Corporate Profits, SFM - Sprouts Farmers Market Inc., BBY - Best Buy Co. Inc., UPS - United Parcel Service, Inc., Investor Biases.Our Sponsors:* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Progressive: https://www.progressive.com* Check out Upwork: https://upwork.comAdvertising Inquiries: https://redcircle.com/brands

Sometimes it happens! Quint and Allie talk about when you have to tap your emergency fund.