Podcasts about emergency funds

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

We're on a mission to make you and your money smarter, with daily briefs delivered to you in just one minute. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for further updates.Our episodes are written by Helen Okechukwu and edited by Justin Grant. Our Executive Producer is AmickyCarol Akiwumi MBE. We'd like to thank our funders for their generous support, which makes the series possible._______________________This podcast is for general informational purposes only, does not address your particular requirements and situation, and does not constitute any form of financial or investment advice or recommendation. Seek professional financial advice before making any such decision.

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.

Kevin Brucher discusses the critical balance between saving and investing for retirement. He emphasizes the importance of having an emergency fund, understanding sequence risk, and the role of guaranteed income in retirement planning. The conversation also delves into the evaluation of annuities and investment strategies, providing insights on how to navigate the complexities of financial planning for a secure retirement. Call 800-975-6717. Visit Silver Leaf Financial to learn more.See omnystudio.com/listener for privacy information.

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!

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.

The latest read on the local housing market, back-to-school shopping starts NOW, and why everyone needs an emergency fund - NO exceptions.

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

On this episode: Moving on from the scarring of the 2008 financial crisis. Where is your comfort zone with cash, and what should that account be used for? Retirement laws are constantly changing. How do you stay ahead? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

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

This week on Check Your Balances, we tackle a listener question: Should your Roth IRA double as an emergency fund? We'll explore the pros and cons. We'll also demystify the critical difference between correlation and causation in personal finance. Understanding this distinction is key to making sound financial decisions, ensuring you build a robust financial plan based on true cause-and-effect, not just coincidental relationships.Send us a textSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

Life is unpredictable, and unexpected expenses can derail your finances if you're not prepared. That's where an emergency fund comes in! In this episode, we'll discuss why having an emergency fund is crucial, how much you should save, and simple strategies to build and maintain it—no matter your income level.Ebooks: https://payhip.com/mjfm14Booking services/consultation: https://mjfinancial.setmore.com/consulting#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

Let's set the record straight: Revenue is not the goal. Profit is. If you've ever felt like you're doing everything—chasing more sales, more clients, more offers—but still coming up short on cash and clarity, this episode is your permission slip to pause, stop worrying about sales numbers alone and start focusing on what generates profit.  In today's episode, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., dives into the 12 money truths that successful CEOs live by to grow smarter, more sustainable businesses not just bigger ones.  Key Takeaways:  Revenue ≠ Success: Profit is the real goal, not revenue. Chasing sales without watching expenses can leave your business cash-strapped and stressed. Focus on the bottom line.  (01:16 – 02:42) Align Your Personal & Business Finances: Your personal finances impact your business. Owner's draws and misaligned personal spending can drain your business's resources and future growth. (02:47 – 04:24) Money Goes Where Focus Flows: You don't need 3-4 revenue streams. The most successful CEOs stick to one core offering and master it before expanding. (04:24 – 05:51) Filter Your Advice Wisely: We love our friends and family, but unless someone has real experience running a business, their advice may do more harm than good. (05:51 – 06:47) Listen to Your Numbers: Your financials are trying to tell you something. Learn to read and review them regularly to help you avoid repeat mistakes and make smarter, future-focused decisions. (06:48 – 07:43) More Money Isn't Always the Fix: More capital won't fix a broken strategy. Think 2-3 times longer than you normally would before taking on debt or outside investors. (07:44 – 09:05) Spending is Investing: When aligned with your goals, every dollar spent should help your business grow or strengthen. (09:05 – 09:52) Permission to Say No: Saying yes to everything leads to burnout—successful CEOs protect their time and energy. (09:56 – 10:55) Emergency Funds are a Must: A “just in case” or rainy day fund can be the difference between panic and peace when the unexpected happens. You never know when a new opportunity will pop up! (10:56 – 11:52) Invest in Your Education: You don't have to do it all, but you do need to understand your business's financial health. (11:53 – 13:01) FOMO is a Distraction: This goes back to “money goes where focus flows”—stay grounded in your vision, not someone else's highlight reel. (13:01 – 14:10) Money is a Game—Play It Smart: Use your financial statements as tools to track your growth, not just your income. (14:12 – 14:50) ⭐Bonus Rule: When things get uncomfortable, lean in further. Successful CEOs step outside their comfort zones, because they know that's where the real growth happens.    Resources: Kickstart Accounting's CFO Services | kickstartaccountinginc.com/cfo  Kickstart Accounting's Tax Services | https://ksataxpartners.com/   Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

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

We're taking some time to highlight some of our best Gymsplain Episodes, like this one detailing exactly what an emergency fund is and why everyone needs one! Life throws curveballs when we least expect them, and having a safety net can make all the difference. But what exactly is an emergency fund, and why should you have one? We'll break it down in simple terms and show you how these funds can be your financial cornerstone in times of crisis.  From unexpected medical bills to car repairs that catch you off guard, having an emergency fund is crucial. Garrett and Sam will guide you through the process of determining the right amount to save based on your budget, where to keep your emergency fund, and discuss saving vs. paying down debt.   For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.   Resources  BFF Approved High-Yield Savings Accounts  When Should You Use Your Emergency Fund   How to Save Your First $1000 in Emergency Savings   How to Build an Emergency Fund and Why You Need One    Meet The Trainers  Meet Garrett Faulconor, Level 3 Certified Financial Trainer  Meet Sam Cash, Level 2 Certified Financial Trainer      

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

Quint and Allie talk through whether to tap your emergency fund to pay off outstanding debt.

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