Podcasts about emergency funds

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.

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

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Nearly 85% of consumers carried some type of personal debt, while 26% of the workforce was seeking help in areas such as emergency savings, paying down debt, and overall financial wellness, compared with 13% in 2023, according to the May survey of more than 1,000 people working full-time.

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!

The Oregon Department of Transportation (ODOT) has a $350 million deficit. Governor Tina Kotek has said that if this funding is not secured, she will lay off about 500 ODOT employees.During the regular legislative session that ended in June, Democrats (who hold a supermajority in both the House and the Senate) could not reach a consensus on a transportation funding bill (HB 2025). Sidelining and ignoring Republicans further ensured that the bill would not pass.To deal with the budget shortfall, the Governor has called for a special session for Friday, August 29. Her goal is to raise the gas tax by six cents ($.06), increase vehicle registration fees by $42, and raise title fees by $139.House Minority Leader Christine Drazen has proposed an alternative. Instead of raising taxes and fees on Oregon motorists, the legislature could use emergency funds from the Legislative Emergency Board. Hundreds of millions of dollars are set aside every legislative session for use in an emergency. Using emergency funds would not raise the gas tax and could fund ODOT until the 2026 session when a working solution can be found.Oregon currently has the fourth-highest gas prices in the nation. Raising the gas tax should not be an option. Legislators should find a way to fund important transportation maintenance services without punishing Oregonians at the pump.

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.

Jason and Jeff discuss optimizing investment strategies, evaluating contributions to 403(b) and 401(k) plans versus Roth IRAs and brokerage accounts, and tackle personal finance essentials such as building an emergency fund, managing taxes, and saving for college.00:54 Understanding 403(b) and Investment Strategies02:49 Balancing Tax-Deferred and Taxable Accounts11:45 Emergency Funds and Financial Safety Nets16:24 Maximizing Employer 401(k) Matches19:23 Tracking Expenses and Adjusting Contributions25:14 Alternative Investment Strategies27:19 Tax Implications of Roth and 401k Withdrawals27:54 Strategizing Contributions: Roth vs. 401k28:58 Employer Contributions and Taxable Brokerage Accounts29:26 Advice for Younger Investors30:47 Issues with 401k and 403b Plans34:18 Alternative Investment Strategies35:01 Saving for College: Different Perspectives41:19 Balancing Investments for Flexibility43:21 Tax Considerations in Investment StrategiesCompanies mentioned: NVDA, QS*****************************************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******************************************2025 Portfolio Contest2024 Portfolio Contest2023 Portfolio Contest

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

In a world where chaos seems to creep a little closer every day—whether it's inflation, layoffs, medical emergencies, or just life being life—having a financial buffer is more important than ever. In this episode of the Survival Punk Podcast, I'm diving into one of the most overlooked parts of prepping: the emergency fund. "Emergency Funds: Your First Line of Defense | Episode 470" The post Emergency Funds: Your First Line of Defense | Episode 470 appeared first on Survivalpunk.

Dave Simons, Partner & Managing Director at One Private Wealth, joins Chris and Amy with a look at financial strategies. He emphasizes the importance of savings.

- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com

In this episode of the Steward Lab Podcast, hosts James and Amberlee Rich discuss the critical importance of having an emergency fund. They share personal stories about financial emergencies they have faced and how they managed them using their defense strategy of sinking funds and an emergency fund. The episode delves into what constitutes an emergency fund, how much you should save, and strategies to ensure your emergency fund is both accessible and protected. The discussion includes biblical references, particularly the story of Joseph in Egypt, highlighting the importance of prudent financial planning. The episode ends with an experimental task encouraging listeners to establish or reassess their emergency funds. Resources: Steward Lab Online Coaching Community: https://stewardlab.com/ (Remember, Craft Your Christmas is now included with your Steward Lab subscription) Free Q&A Call for One-on-One Coaching: https://richlivingcoaching.com/meet 00:00 Introduction to Emergency Funds 00:10 Welcome to the Steward Lab Podcast 00:32 A Series of Unfortunate Events 01:48 Draining the Savings Buckets 02:33 Tapping into the Emergency Fund 03:57 The Importance of a Two-Part Defense Strategy 05:12 Biblical Perspective on Emergency Funds 06:29 The Reality of Financial Emergencies 06:57 Protecting Your Emergency Fund 11:13 The Freedom an Emergency Fund Provides 13:39 Determining Your Emergency Fund Amount 16:25 Practical Tips for Managing Your Emergency Fund 19:37 Weekly Experiment: Setting Up Your Emergency Fund 20:55 Final Thoughts and Encouragement

In this episode, we dive into a topic that's becoming more and more urgent: how healthcare professionals can financially prepare for the possibility of career burnout. We know from data and personal experience with clients that burnout is hitting this sector hard—over 50% of healthcare professionals report symptoms, and a significant number are considering stepping away from their roles entirely. So, we tackle this issue head-on, not from a medical standpoint, but from a financial planning perspective.We start by emphasizing that prevention is key. Just like in medicine, the best remedy for burnout is early action, and that begins with building a solid financial foundation. We explore how consistent savings habits—even when it feels unnecessary—can offer crucial flexibility down the line. Setting aside 20% or more of each paycheck, creating an emergency fund with 6–12 months of expenses, and maintaining liquidity outside of retirement accounts are all smart, actionable steps. We also stress the importance of not delaying financial planning because you assume higher income gives you more time to catch up later. That's a trap we see too often.Next, we look at how to create income flexibility if burnout leads to reduced hours, a role change, or even early retirement. We talk through the importance of evaluating disability insurance—especially with mental health in mind—and how thinking ahead about possible career pivots like consulting or teaching can reduce stress. We also dive into the importance of building passive income streams and using investment strategy to bridge income gaps without needing active work.For those considering early retirement, we advise updating retirement plans immediately to identify any needed changes, recalibrating spending, and optimizing the timing of account withdrawals to minimize taxes. We also cover how to smartly use pensions and healthcare benefits, especially when considering stepping away. Timing really matters here, and small adjustments can have outsized financial impacts.Finally, we go over tactics to manage financial obligations during a career break—reducing debt, refinancing, and communicating with lenders. We talk about using COBRA, marketplace insurance, and HSAs to maintain healthcare coverage. The bottom line is that being proactive with money gives healthcare professionals the power to make the best choices for their well-being—financially and mentally—before burnout forces their hand. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

Don't just brace for a recession, prepare to come out stronger. This conversation is about turning Canada's economic uncertainty into an opportunity for financial growth (or, at least, stability). We'll equip you with proactive strategies for managing debt, finding new income streams, and building a mindset of resilience. Learn how to take decisive control of your financial future, no matter what the economy throws at you. (00:00) – Prediction: How We Knew a Recession Was Coming  (02:30) – Rising Costs & Reduced Work Hours Impacting Households  (04:00) – Forecast: Hitting Recession Thresholds by End of Summer  (05:30) – Managing Money vs. Managing Debt: Good Times vs. Bad  (07:45) – First Steps When You Feel Financial Pressure  (11:00) – Side Hustles 101: Pros & Cons of Supplemental Income  (14:00) – Leveraging Networks & Community Support  (15:45) – How to Start (and Grow) an Emergency Fund  (18:00) – Recession-Proofing Strategies for Homeowners  (19:15) – Top Tips for Canadians in Debt as Recession Hits  (27:00) – Building Mental Resilience & Setting Realistic Goals  Reducing Tax Debt in Ontario Planning For Retirement When You Have Debt Why You Absolutely Need An Emergency Fund Sign Up For The Monthly Debt Free Digest Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.  

Tripp Limehouse discusses the critical differences between saving and investing, emphasizing the importance of liquidity and emergency funds. He explores the balance between saving for short-term needs and investing for long-term growth, while also introducing the concept of phased retirement as a strategy to ease into retirement. The Green Line Principle is presented as a safe money strategy that protects against market losses while providing growth potential. Listeners are encouraged to evaluate their financial strategies and consider personalized retirement planning. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

In this episode of Boldin Your Money, Steve Chen talks with Andy Hill, creator of Marriage, Kids and Money, about Andy's journey from having a negative net worth to achieving financial independence through intentional saving, living on one income, and aligning money decisions with family goals. Andy shares how reaching “Coast FI” allowed his family to work less and enjoy life more, the importance of early financial conversations with a partner, and his strategies for teaching kids about money by making it a regular, open topic. He also reflects on how purposeful time use can lead to a happier, healthier life and discusses his upcoming book Own Your Time, which helps parents build financial security while prioritizing family.

Southwest Michigan's Morning News podcast is prepared and delivered by the WSJM Newsroom. For these stories and more, visit https://www.wsjm.com and follow us for updates on Facebook. See omnystudio.com/listener for privacy information.

In this episode, homesteader and content creator Tony Barlow of Barlow Roots Market discusses the value of being fiscally prepared before transitioning from employment to running a business.   Subscribe for more content on sustainable farming, market farming tips, and business insights!   Get market farming tools, seeds, and supplies at Modern Grower. Follow Modern Grower:  Instagram  Instagram Listen to other podcasts on the Modern Grower Podcast Network:  Carrot Cashflow  Farm Small Farm Smart  Farm Small Farm Smart Daily  The Growing Microgreens Podcast  The Urban Farmer Podcast  The Rookie Farmer Podcast  In Search of Soil Podcast Check out Diego's books:  Sell Everything You Grow on Amazon   Ready Farmer One on Amazon **** Modern Grower and Diego Footer participate in the Amazon Services LLC. Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Eoin McGee, financial expert, on building an 'emergency' fund

What do control, perfectionism, and money have in common? For many of us, they're deeply rooted in childhood wounds, and they're the very blocks standing between us and our manifestations.In this heartfelt Q&A episode, Lacy and Jessica respond to powerful community questions that crack open the real energetics behind love, money, motherhood, and glass ceilings. Whether you're navigating burnout, trying to call in more income, or craving peace while juggling life's many demands, this conversation offers guidance, tools, and expansion to help you move forward. You'll hear personal revelations from Lacy and Jessica about their own inner child programming around control; how it shows up in work, relationships, and even wedding planning. And they offer expansive, grounded advice to two listeners: one manifesting full-time motherhood and another trying to break through a financial glass ceiling while living paycheck to paycheck.This episode is for anyone working through the TBM Money Challenge, or anyone asking: “Why do I still feel stuck?” Because often, the block isn't what you think—it's what you've normalized. So tune in for deep permission to slow down, reassess, and come back into alignment with what's truly authentic for you. The abundance you're calling in might just require a little less effort—and a little more letting go. Stay tuned for Part 2 in a few weeks!Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast Resources: SALE IS LIVE$22/monthJoin the Pathway MembershipSale ends July 20th at 11:59pm PST Join our membership to access the TBM Money Challenge The Pathway Membership gives you unlimited access to all of our manifestation workshops—including How to Manifest, Unblocking Your Inner Child, Shadow, Love, Money, Rock Bottoms, Ruts, and Energetic Updates —plus 70+ self-hypnosis tracks designed to unlock your full potential.LEARN MORE HERE Get the latest from TBMNeed motivation during the Money Challenge? Join Jessica's Free IG Money Challenge Chat!Join our Money Challenge - 3 weeks to your next level of abundanceTake our Free Money Quiz - find out what level of wealth consciousness you are atJoin the Pathway now to get full access to our Money Challenge now! New to TBM? Free Offerings to Get You StartedLearn the Process! Expanded Podcast - How to Manifest Anything You Desire Get Expanded! The Motivation - Testimonial LibraryReady to find out what's holding you back? Try our Free Clarity Exercise Be an EXPANDER! Share Your Manifestation StorySubmit to Be a Process GuestShare your Money Manifestation Expander Story! Share a voice note of your Process to be featured in an episode! This Episode is brought to you by: Seed - Use 25MAGNETIC at checkout for 25% off your first month@seed's DS-01® Daily Synbiotic Bon Charge - 15% off with code MAGNETIC Red Light Neck and Chest Mask Everyday Dose - Go to everydaydose.com/TBM and use code TBM for 45% off your first order.Get 45% off your first subscription order of 30-servings of Coffee+ or Bold+. You'll also receive a starter kit with over $100 in free gifts. In This Episode We Talk About:How perfectionism and control are rooted in childhood trauma and old patterningThe connection between love and moneyThe inner child belief: "If I let go, it will all collapse"Defining your authentic “why” for abundanceReframing beauty as spiritual and energetic nourishmentThe abundance found in nature and somatic peaceConnecting to sensory environments that regulate and groundRevisiting authentic code to reflect internal expansionNavigating motherhood, generational trauma, and money energeticsBreaking consumerist hypnosis to create true financial freedomUsing “the opposite is the medicine” for financial and personal growth Mentioned In the Episode: Channeling with Lacy - 2025 EnergeticsTake our Free Money Quiz - find out what level of wealth consciousness you are atShare your Money Manifestation Expander Story! Share a voice note of your Process to be featured in an episode!Find our authenticity challenge plus all our workshops and all workshops mentioned inside our Pathway Membership! (Including the Stripped DI, Embodied DI, and Inner Child DI) Where To Find Us!@tobemagnetic (IG)@LacyannephillipsLacy Launched a Substack! - By Candlelight - Join Here@Jessicaashleygill@tobemagnetic (youtube)@expandedpodcast

Still think divorce is just emotional? Think again—your finances are on the line. In this eye-opening episode, Erica sits down with the powerhouse mother-daughter team behind Purse Strings, Dr. Barb Provost and Maggie Nielsen, to break down the critical financial steps women need to take before saying the D-word out loud.From uncovering hidden accounts to understanding your post-divorce budget, Barb and Maggie are on a mission to help women stop getting left behind when it comes to money. They share personal stories, expert-backed tools, and the exact steps to feel secure, smart, and financially empowered—no matter where you are in the divorce process.If you're feeling overwhelmed by bank accounts, budgets, or just the sheer emotional toll of separation, this episode will help you find calm in the chaos—and maybe even a few dollars you didn't know you had.Because financial freedom is the ultimate closure.

Saving for a rainy day doesn't always spark motivation. That's why in this episode, I introduce the concept of the Side Eye Fund—a money stash that empowers you to say “no thanks” to toxic jobs, burnout, and financial fear.If traditional emergency funds haven't inspired you to save, this episode will reframe what savings can mean for your life. It's not about disaster prep, it's about options.I'll share how my clients use the Side Eye Fund to build financial peace on their own terms. Whether you want to walk away from a draining job, take an unpaid break, or support a loved one without stress, this episode will help you start saving for the life you actually want.You'll also hear a real-life example from a client working toward her $24,000 fund goal and why slow, intentional saving beats hustle and sacrifice.Listen to learn how to build a savings system that puts you in control of your choices…[00:36] Why I want you to have options, not just budgets[02:04] What a Side Eye Fund is and why you need one[06:14] Rethinking the traditional “emergency fund”[08:45] What the Side Eye Fund allows you to do in real life[10:30] A client story: growing a $24,000 Side Eye Fund[13:35] How to start your own Side Eye Fund today[15:22] Why you don't need a crisis to start savingTune into this episode of Money Files to discover how a Side Eye Fund can give you the freedom to walk away, say yes to yourself, and save without fear.Get full show notes and the episode transcript: https://wealthovernow.com/emergency-funds-are-out-side-eye-funds-are-in/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

What if your financial story was something you felt empowered and excited by?In this episode, Jessica sits down with Britt Baker, seasoned investor and co-founder of Dow Janes. Britt has a background in consulting and a degree from Harvard Business School, however, it wasn't until years later, when she saw many of her close friends struggling with their own finances that she realized how many women lacked the financial literacy to build wealth.In this conversation, Britt breaks down the exact steps she teaches to get out of debt, build an emergency fund, invest with confidence (even if you've never done it before), and move from financial fear into financial freedom. – basically, everything you wish you learned in school. This is more than a conversation about saving and investing—it's a holistic look at how healing your relationship with money unlocks manifestation. If you've ever felt stuck in survival mode, afraid to look at your bank account, or convinced investing “just isn't for you,” this episode is for you. Get ready to rewrite your money narrative and step into the identity of someone who is not only financially secure, but magnetic.Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast Resources: SALE IS LIVE! $22/monthJoin the Pathway MembershipJoin our membership to access the TBM Money Challenge The Pathway Membership gives you unlimited access to all of our manifestation workshops—including How to Manifest, Unblocking Your Inner Child, Shadow, Love, Money, Rock Bottoms, Ruts, and Energetic Updates —plus 70+ self-hypnosis tracks designed to unlock your full potential.LEARN MORE HERE Get the latest from TBMJoin our Money Challenge - 3 weeks to your next level of abundanceTake our Free Money Quiz - find out what level of wealth consciousness you are at Join the Pathway now to get full access to our Money Challenge now! New to TBM? Free Offerings to Get You StartedLearn the Process! Expanded Podcast - How to Manifest Anything You Desire Get Expanded! The Motivation - Testimonial LibraryReady to find out what's holding you back? Try our Free Clarity Exercise Be an EXPANDER! Share Your Manifestation StorySubmit to Be a Process GuestShare your Money Manifestation Expander Story! Share a voice note of your Process to be featured in an episode! This Episode is brought to you by: Bon Charge - 15% off with code MAGNETIC Infrared PEMF MatThe BON CHARGE Infrared PEMF Mat is my absolute go-to product! I use it almost daily to ground my nervous system, drop in deeper into my meditations & help my body recover after big hikes. The highest quality and most biohacking stacked mat I've seen on the market! Use code MAGNETIC at checkout for 15% off. us.boncharge.com/MAGNETIC Sundays for Dogs - 40% off with code TBMGet 40% off your first order of Sundays. Go to sundaysfordogs.com/TBM or use code TBM at checkout. In This Episode We Talk About:Navigating unemployment and finding income portalsThe power of non-dream jobs to shift financial energyConscious and values-aligned spendingShame, money stories, and how to rewrite your financial narrativeThe truth about credit card debt and how to escape the cycleRetirement accounts demystified (Roth IRA, 401k, SEP IRA)Investing for beginners: ETFs, funds, and dollar cost averagingWhy community can be essential for financial transformationUnderstanding emotional triggers behind impulse spendingBuilding an FU fund and setting financial boundariesThe mindset shift from survivor to creatorAligning money habits with long-term manifestation goals Mentioned In the Episode: Blog Post: Stress-Free Investment Strategy: Dollar Cost AveragingTake our Free Money Quiz - find out what level of wealth consciousness you are at Find our authenticity challenge plus all our workshops and all workshops mentioned inside our Pathway Membership! (Including the Validation DI and Inner Child DI) Connect with Dow Janes!Join the Money Reset Retreat - use coupon code EXPANDED for $10 off their virtual seminar@dow.janes on IGFollow Dow Janes on Youtube Where To Find Us!@tobemagnetic (IG)@LacyannephillipsLacy Launched a Substack! - By Candlelight - Join Here@Jessicaashleygill@tobemagnetic (youtube)@expandedpodcast

In this episode of the Personal Finance Podcast,  we are going to talk about  how much should be in your emergency fund by age? How Andrew Can Help You:  Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Shop Data Plans and Save Big at mintmobile.com/pfp  Go to https://joindeleteme.com/PFP20/ for 20% off!  Links Mentioned in This Episode:  How to Invest In Yourself and Earn More (THIS YEAR!) How I would Invest Large Sums of Cash - Money Q&A Pay Off Debt or Keep Investing? (Money Q&A) The 1-3-6 Method For Building & Managing Your Emergency Fund The Insurance You MUST HAVE and What You Don't Need Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Big Al Clopine, CPA  think of her substantially equal periodic payment plan? And how should she allocate it? Michael in Virginia isn't interested in any international investments and is instead invested in stocks like Google, Amazon, Microsoft, Meta, and Berkshire. What adjustments would the fellas make to his portfolio for long term growth? That's today on Your Money, Your Wealth® podcast 533. Plus, our friend Will, who is not a gas siphoner, wants Joe and Big Al's opinion on "backdoor Rothing" his solo 401(k) instead of having an emergency fund, and on what he should do with his annuity. Also, the fellas explain ESOP and NUA - that is, employee stock ownership plans and net unrealized appreciation - for Tess and Finn in Texas. Free financial resources & episode transcript: https://bit.ly/ymyw-533 WATCH 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV CALCULATE your free Financial Blueprint SCHEDULE your Free Financial Assessment The origins of Will the Gas Siphoner (audio only) ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:05 - How Do I Maximize My 72(t) Early Retirement Withdrawals? (Rowan, GA - voice) 10:24 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your free Financial Blueprint 11:23 - I'm Not Interested in International Investments. Does My Asset Allocation of Tech Stocks Make Long-Term Sense? (Michael, VA) 14:18 - Should I Backdoor Roth My Solo 401(k) Income Instead of Having an Emergency Fund? What Should I Do With My Annuity? (Will the Gas Siphoner) 24:44 - Schedule a Free Financial Assessment With Pure Financial Advisors 25:53 - ESOP and NUA Explained (Tess & Finn, TX) 31:53 - Tribute to Betsey Clopine, 1933 - 2025 33:17 - YMYW Podcast Outro

How global is your portfolio, really? This week in the basement, Joe Saul-Sehy, OG, and the gang zoom out from the U.S. markets and take us on a whirlwind trip around the investing world. Spoiler alert: the case for international investing is stronger than you think—and it's not just about chasing higher returns. It's about risk reduction, smart diversification, and maybe even admitting that the U.S. isn't always the world's MVP. You'll hear how developed and emerging markets fit into a well-balanced portfolio, how correlation works in your favor (yes, this time that's a good thing), and what history tells us about going global. Joe and OG share practical advice for how to get started, when to rebalance, and how much international exposure might make sense for the average Stacker. Then in the second half, we pivot from markets to money buffers: listener Jeff from Cleveland wonders how to set insurance deductibles based on the state of his emergency fund. We break down how to think about the real return on your rainy-day stash—because spoiler: it's not about the interest rate, it's about your resilience. To wrap things up, we share timeless wisdom from Stackers across the country on what they'd tell new graduates about money, life, and how not to blow that first paycheck on a jet ski. Why international investing may improve both your returns and your risk profile How much of your portfolio to allocate internationally—and what history suggests What "correlation" really means and why it's your friend (at least in investing) Risks and common misconceptions of investing overseas How to choose between developed vs. emerging markets Portfolio tools to visualize your asset mix and expected outcomes Why your emergency fund's best ROI might be peace of mind How to align insurance deductibles with your liquidity cushion What our community of Stackers wishes they had known after graduation FULL SHOW NOTES: https://stackingbenjamins.com/making-the-case-for-international-investing-1690 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

What should you do when the asset allocation of your retirement portfolio drifts? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on rebalancing for DJ in St. Louis, today on Your Money, Your Wealth® podcast number 530. Plus, Coach Dobber in Minnesota is curious about municipal bonds in a brokerage account, and Daniel in Stevensville, Michigan needs details on emergency funds. Also, can Tim the Enchanter do a Roth conversion and avoid the nasty big pointy teeth of capital gains tax? And, Duke in upstate New York told his wife they need 6 million dollars in retirement, and she said he was silly. What say Joe and Al? We'll find out. Free financial resources & episode transcript: https://bit.ly/ymyw-530 ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:47 - Rebalancing Asset Allocation of US Stocks, International Stocks, and Bonds (DJ in St Louis) 07:21 - Can I Do a Roth Conversion and Have No Cap Gains Tax? (Tim the Enchanter, FL) 15:44 - Watch Financial Planning at Every Age on YMYW TV, Download the Retirement Readiness Guide for free 16:41 - Municipal Bonds in a Brokerage Account: Good Idea? (Coach Dobber, MN) 22:48 - Told My Wife We Need $6M to Retire in 20 Years. She Say's I'm Silly. (Duke, upstate NY) 27:09 - Calculate your Free Financial Blueprint, Schedule your Free Financial Assessment 28:54 - What Is an Emergency Fund and How Much Should I Have in It? (Daniel, Stevensville, MI) 36:00 - YMYW Podcast Outro

Quint and Allie talk about emergency funds and how much should be set aside for the inevitable emergency.

Rising costs and economic uncertainty make financial preparedness more important than ever. Today's Stocks & Topics: JEPQ - J.P. Morgan Nasdaq Equity Premium Income ETF, Market Wrap, AZO - AutoZone Inc., APP - AppLovin Corp., Why Your Emergency Fund Should Be $35,000 in 2025, VEMT - Vanguard USD Emerging Markets Government Bond UCITS ETF, CRWV - CoreWeave Inc. Cl A, Supply Chain, FOUR - Shift4 Payments Inc., CCJ - Cameco Corp., MOD - Modine Manufacturing Co., Corporate Buybacks.Advertising Inquiries: https://redcircle.com/brands

We're back with answering YOUR questions and you gave us some good ones. Brian and Bo break down affordable life insurance strategies for high earners with health challenges, how to prioritize saving when adopting a child, and what to do with multiple retirement plans like 401(a), 403(b), and 457s. You'll also learn how the Rule of 55 really works (and how to avoid losing it), plus how to assess the true opportunity cost of going back to school to boost your income. Don't worry, though, we still had plenty of fun along the way. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices