Podcasts about emergency funds

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      

How AmeriCorps Cuts Threaten Our Civic FutureTens of thousands of AmeriCorps service positions are being eliminated. In this episode, we explore how cuts to national service programs are affecting communities, civic engagement, and the future of democracy in America.Maureen Eccleston, Chief Impact Officer at Service Year Alliance and longtime AmeriCorps alum, joins David Beckemeyer to break down what these cuts mean, who's being impacted, and why service years matter now more than ever.We talk about the civic impact of AmeriCorps, how national service bridges political divides, and why protecting service opportunities is critical to lowering the temperature and rebuilding trust in our country.Links & Resources:Service Year Alliance: https://serviceyearalliance.orgVoices for National Service: https://voicesforservice.orgDonate to the Emergency Fund: https://statecommissions.orgText me your feedback and leave your contact info if you'd like a reply (this is a one-way text). Thanks, DavidSupport the showShow Notes:https://outrageoverload.net/ Follow me, David Beckemeyer, on Twitter @mrblog or email outrageoverload@gmail.com. Follow the show on Twitter @OutrageOverload or Instagram @OutrageOverload. We are also on Facebook /OutrageOverload.HOTLINE: 925-552-7885Got a Question, comment or just thoughts you'd like to share? Call the OO hotline and leave a message and you could be featured in an upcoming episodeIf you would like to help the show, you can contribute here. Tell everyone you know about the show. That's the best way to support it.Rate and Review the show on Podchaser: https://www.podchaser.com/OutrageOverload Intro music and outro music by Michael Ramir C.Many thanks to my co-editor and co-director, Austin Chen.

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

In this conversation, financial professionals Steve and Derek discuss the critical importance of financial planning for retirement. They emphasize the need for individuals to consult with financial advisors early in life to create a comprehensive plan that addresses not only retirement but also other financial goals. The discussion highlights the common fears and misconceptions surrounding retirement, the necessity of having a written plan, and the importance of stress testing financial portfolios. They also explore strategies for creating sustainable income in retirement and the psychological aspects of financial planning, ultimately encouraging listeners to take proactive steps towards a secure financial future. Get Your Complimentary Retirement Analysis Social Media: Facebook I Twitter See omnystudio.com/listener for privacy information.

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

Why Saving Money Feels Hard (And How to Make It Easy) Ever check your bank balance and think, Wait—where did all my money go?! One minute, payday hits, and the next, your hard-earned cash has vanished—eaten up by bills, surprise expenses, and everyday spending. It's like your money is playing hide and seek… and winning. But here's the good news: saving money doesn't have to feel impossible. You don't need to overhaul your lifestyle, live on instant noodles, or give up everything fun. A few smart tweaks can turn saving from a dreaded chore into something effortless—maybe even a little exciting. Let's break it down. Why an Emergency Fund is a Game-Changer Life has a knack for throwing expensive surprises your way—your car breaks down, a medical bill pops up, or your fridge decides to call it quits. Without a financial cushion, these moments can turn into full-blown crises, leaving you scrambling for a solution. That's where an emergency fund comes in. Think of it as a financial safety net. Instead of reaching for a credit card, borrowing money, or selling investments at the worst possible time, you can handle unexpected expenses stress-free. No panic, no debt—just peace of mind. How Much Should You Save? Think of your emergency fund like a financial airbag—you hope you never need it, but you'll be glad it's there. Here's a good rule of thumb: Steady paycheck? Aim for at least three months' worth of expenses. Self-employed or income varies? Six months is a safer bet. Retired? Keeping up to a year's worth of expenses in cash can help you avoid selling investments during a market downturn. And don't stress about saving it all at once. Start small, set aside what you can each month, and watch it grow. Where to Keep Your Emergency Fund Not under your mattress, that's for sure. And not in a checking account earning zero percent interest, either. The goal is to keep it safe, accessible, and ideally, earning a little something. If your expenses are in dollars, a U.S. money market fund could be a great option. Some are even insured, similar to FDIC-backed bank accounts. Unlike a regular checking account, which earns almost nothing, money market funds often provide a variable return, so be sure to check with a financial professional to understand the risks and details. If you need shekels, Israeli banks may not offer great interest on regular accounts, but some allow you to lock your money for short periods (daily, weekly, or monthly) to earn a little extra. Even a small return is better than letting your money sit idle. Beyond the Emergency Fund: Making Your Money Work for You An emergency fund is your financial safety net, but long-term security requires more than just stashing away cash. At some point, you'll want to stop working—or at least have the option to stop. Many people assume that between Social Security (U.S.), Bituach Leumi (Israel), and their pension, they'll be fine. But the reality? Those sources often fall short. To maintain your lifestyle in retirement, you need investments that grow over time. Building an Investment Portfolio Investing can feel intimidating, but it doesn't have to be complicated. A broad, diversified portfolio—such as an index fund tracking the S&P 500—can be a straightforward way to grow wealth over time. Others prefer a mix of stocks, bonds, or managed portfolios tailored to their goals and risk tolerance. The key is consistency. Even small contributions, made regularly, can grow significantly over time. And while markets fluctuate, history suggests that long-term investors tend to fare better than those who sit on the sidelines. Important note: Investing involves risk, and past performance does not guarantee future results. Always consult a licensed financial advisor to determine what strategy makes sense for your situation. Plugging the Financial Leaks: Where is Your Money Going? You might think you have your spending under control, but when you actually track where your money is going, the results can be surprising. Many people waste thousands each year without realizing it—on subscriptions they don't use, high-fee services, and impulse spending. A quick self-check: Are you paying for things you don't actually use (streaming services, gym memberships, premium banking fees)? Do you regularly eat out or order takeout but can't seem to save for bigger goals? Are you overspending on insurance or other recurring expenses without shopping around for better rates? You don't have to cut everything fun out of your life—you just need to be intentional about where your money goes. A simple spending review can help you redirect money from waste to wealth-building. The Secret to Saving More Without Thinking About It One of the easiest ways to build wealth? Automate your savings. Set up an automatic transfer so that every month, a portion of your paycheck goes straight into savings before you have a chance to spend it. You can do this with your emergency fund, investment accounts, or even a retirement account. The less you have to think about saving, the more likely you are to actually do it. Over time, those small amounts add up in a big way. Small Changes, Big Impact Financial security isn't about being rich—it's about being prepared. An emergency fund gives you the freedom to handle life's unexpected expenses without stress, turning financial shocks into minor inconveniences. Investing wisely allows your money to grow over time, so you're not just stashing cash but actually building long-term wealth. At the same time, cutting out unnecessary expenses doesn't mean giving up what you love—it means making sure your money is working toward what truly matters. The easiest way to stay on track? Automate your savings. When saving happens in the background, it becomes effortless—and over time, those small, consistent contributions can add up to real financial security. If you want to make sure your U.S. brokerage and IRA accounts are positioned to support your financial future, schedule a free Cross-Border Financial Evaluation today and get a clear, customized plan for managing your investments while living in Israel. www.profile-financial.com/call

Emergency Fund And Financial Health To Supersize Your Business? Pop here every day for a dose of different business building perspective: https://facebook.com/supersizebusiness #supersizeyourbusiness #finances #emergencyfund #financialhealth #mindsetshift

What's SHE Up To Now Day 2664? Emergency Fund, Financial Health, Supersize And Be A Better You! Drop in to get the real scoop--the good, the bad, the ugly, the truth (well my truth anyway). https://facebook.com/beme2thrive #beabetteryouannualchallenge #supersizebusiness #finances #emergencyfund #financialhealth #mindsetshift

Be A Better You Annual Challenge Day 135: Emergency Fund And Your Financial Health! Do one thing every day to be a better you! Join us every day in 2025 for a quick challenge that is all about you improving and creating the life you want! https://www.facebook.com/ThrivingSharon Ask your questions and share your wisdom! #beabetteryouannualchallenge #finances #emergencyfund #mindsetshift #financialhealth #beprepared

Emergency Fund And Financial Health To Supersize Your Business? Pop here every day for a dose of different business building perspective: https://facebook.com/supersizebusiness #supersizeyourbusiness #finances #emergencyfund #financialhealth #mindsetshift

Send us a textIn Episode 64 of The Vault, we discuss this week's controversial opinion, “You don't need an emergency fund if you have a high, reliable income”. We then dive into our listener dilemmas:

We hoped to have many episodes created already in 2025, but life had other plans! Jay explains the exciting news that has slowed our progress on the podcast. Please stay tuned for more HopeFilled Financial Podcasts, but please be patient as we navigate this new season of life. See you next year?!  Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. Subscribe if you don't want to miss our return! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).  Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.  Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Don't make these emergency fund mistakes! In this episode, Art dives into the most common “oops” moments people have when saving for a rainy day—and how you can avoid them. Plus, he answers listener questions about budgeting and picking a high-yield savings account.Resources:8 Money MilestonesAsk a Money Question!

Martin Hunter is a visionary thinker who delves into the evolving dynamics of human necessity and economic growth. With a keen understanding of societal trends, Martin explores how the reduction in human dependency on traditional roles and resources can lead to an increase in global GDP and individual affluence. As populations shift and wealth accumulates, he observes a rising demand for luxurious living, highlighting a preference for more personal space and convenience, such as automated services in everyday life. Citing historical precedents like the labor shortages in Fort McMurray and shifts during the pandemic, Martin underscores the inevitability of automation in less-valued jobs to sustain growth and innovation. His insights draw attention to the intricate balance between technological advancement and societal evolution.Episode Highlights:00:30 Automation Fuels Economic Growth04:36 CEOs, Economy, and Employee Concerns07:59 Tiered Risk Management Approach11:26 "Boosting Morale for Business Success"14:52 Family Strategic Planning Retreat17:43 Understand Balance Sheets for Retirement21:58 Modern Business Navigators24:32 "Entrepreneurship: Courage Over Fear"

Dr Boyce speaks on the shocking calculation made by Investopedia about emergency funds

If you don't know who you are, the world will tell you. Dr. Gabe takes a deep dive into one of life's major crossroads: what should you focus on after turning 30? With wisdom and practical advice, he lays out seven essential shifts to make as you enter your thirties—from prioritizing your true identity over outward image and applause to seeking purpose above society's pressures. Dr. Gabe urges listeners to choose stability over flexing, stack our skills for the digital age, and build a lasting legacy rather than chasing fleeting lifestyle trends. Need relationship advice? Text Dr. Gabe. Text bandwidth to 94000 to stay up-to-date on all things Bandwidth.Gabriel Powell MerchUse the code BAND10 for 10% off.WebsiteSupport the Bandwidth PodcastCash App $bandwidthpodcastConnect with Bandwidth Facebook | Instagram | TikTok | Twitter Connect with Dr. GabeInstagram | YouTube | WebsiteIf you are interested in advertising on this podcast or having Dr. Gabe as a guest on your Podcast, Radio Show, or TV Show, reach out to info@gabrielpowell.co

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

Send us a textIn Episode 63 of The Vault, we discuss this week's controversial opinion, “Spending money on therapy/mental health is equally as important as investing”. We then dive into our listener dilemmas:

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

The CEO of the Carmel Christkindlmarkt resigned from her role. Ivy Tech Community College will lose about five percent of its state funding under the latest budget. Indiana Humanities will receive more than $200,000 in emergency funds as part of a national response to the recent loss of federal support. Many of Indiana's coal ash ponds are in the floodplain, putting them at greater risk for spills – and experts say prevention is crucial. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Drew Daudelin, Zach Bundy and Abriana Herron, with support from News Director Sarah Neal-Estes.

Layoffs, inflation, and rising costs are rewriting the rules of emergency savings. In this episode, Jess & Brandon break down why the old "3-month cushion" no longer cuts it—and what you actually need instead.You'll learn:Why experts now recommend a 12-month emergency fundHow to separate wants vs. needs when calculating your savings targetWhy investments ≠ emergency savings (and what to do instead)5 practical strategies to build your fund faster—without burnoutHow to turn a daunting goal into doable milestonesWhether you're starting from scratch or leveling up, this episode gives you a clear, no-fluff plan to create real financial security in uncertain times.Listen now and take the first step toward peace of mind and real financial freedom.Visit prenups.com/sugardaddy to learn more about fair prenups that help couples plan for a healthy financial relationship.Watch this episode in video form on YouTubeTo apply to be a guest on the showYou can email us at: thesugardaddypodcast@gmail.comBe sure to connect with us on socials @thesugardaddypodcast we are most active on InstagramLearn more about Brandon and schedule a free 30-minute introductory call with him Please remember to subscribe, rate, and review.Notes from the show:Ready for your own HYSA, use our Ally link Open your high yield account with Wealthfront

Send us a textIn Episode 62 of The Vault, we discuss this week's controversial opinion, “There's no incentive to pay off your overdraft”. We then dive into our listener dilemmas:

Holding too much cash can be a drag on your gains. You shouldn't have too much of it sitting in your account without a specific purpose. Today you'll learn answers to questions such as: How much is too much? Where should I keep my cash? What should I do today if I have too much cash? Links from today's episode: Erik Baskin at Baskin FP Past podcast episodes with Erik Baskin include episode 72, episode 129, and episode 168. Erik Baskin on LinkedIn The Veteran Finance podcast with Erik Baskin For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

In this episode, we discuss how big your emergency fund really needs to be — and how to set it up so you're covered when life throws a curveball.You'll learn:How your emergency fund should grow as your life (and investments) growThe exact formula for property investors – what we call the Landlord LifelineAnd where to keep this money so it's ready when you need it mostWorried about what would happen if you lost your job or a tenant stopped paying rent? Start planning now. Use our mortgage affordability calculator to see how your cashflow stacks up and what kind of buffer you'll need.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠

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 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

With political and economic uncertainty all around us, how can business owners prepare for the inevitable ups and downs? In this episode, Allissa shares practical strategies, and mindset shifts to help you stay grounded, adaptable, and ready. Resources: Chelle Doetsch Owner, New Yew in Michigan: www.newyewhealing.com   How to Better Serve Your Neurodivergent Clients: https://www.abmp.com/massage-and-bodywork-magazine/how-better-serve-your-neurodivergent-clients   Ep 495 – How Much Do I Need in an Emergency Fund https://www.abmp.com/podcasts/ep-495-how-much-do-i-need-emergency-fund-business-or-pressure-allissa-haines   Ep 460 - A Spending Freeze to Reset Finances https://www.abmp.com/podcasts/ep-460-spending-freeze-reset-finances-business-or-pressure-allissa-haines   Host: Allissa Haines is a practicing massage therapist and business owner and columnist for Massage & Bodywork magazine. You can find her building a community of massage therapists at deepbreathdigital.com   Author links:   Website: www.deepbreathdigital.com  

Your 60-second money minute. Today's topic: Emergency Funds In Focus

Making more money is great, but what happens when it becomes a roadblock for contributing to a Roth IRA? And how can you make your emergency fund work smarter for you? In today's episode, we pull from the mailbag and answer a mix of listener questions. Eric addresses concerns that reflect the real-life hurdles many face on the road to retirement.   Here's some of what we discuss in this episode:

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

In this timely episode of Ready Your Future, we dive deep into the realities of economic uncertainty facing many Americans today. Drawing from historical perspectives and current insights, Todd explores why economic fears are surging and what practical steps you can take to protect your family’s financial future. The episode examines proven strategies for building resilience during economic stress, including financial preparedness techniques that worked during previous downturns and might serve you well in today’s challenging economic landscape. Visit the Episode Page on Ready Your Future. Of Interest Check Out RYF on YouTube For more about Todd and RYF Join the Exclusive Email Group' Join TPA The Christian Prepper Podcast Buy Me a Coffee: https://www.buymeacoffee.com/prepperwebsiteSee omnystudio.com/listener for privacy information.

This week's show covers how to stay invested in a volatile market, 529 plan changes, the basics of Emergency Funds, and HSA's. 

On the surface, emergency funds sound like a very prudent idea. You set aside cash for unknowable, unforseeable events so that you aren't strapped when you really need it. We're not disagreeing with the idea, but an emergency fund is somewhat counter to the core principle of YNAB: giving every dollar a job. In an emergency fund, dollars are given a job, but it's a vague one.   Jesse likens it to a football coach yelling at his defense to "just stop the other team from scoring!" The coach is identifying the basic goal of the game, but there's nothing specific to help the players actually accomplish that task. A good coach instead instructs players what to do at an individual level, adjusting their positioning, technique, key reads etc. so that they can more effectively play their role on the team. The net result is the same -- stopping the other team from scoring -- but the results are far more effective.   The same is true with your dollars. While yes, we do want to set aside money for larger, less frequent expenses, the truth is many of these expenses are knowable, we just don't plan for them. New roof, new tires, plumbing repair, etc. Including these items into your plan and saving for them accomplishes what the emergency fund accomplishes, but with more clarity.   So, consider just deleting your emergency fund. Or at least make it smaller, and give those dollars more specific, effective jobs.     Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial   Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC: YNAB.com/events  

Jack Nick, SVP/Marketing and eCommerce Director at Republic Bank of Chicago, joins Jon Hansen on Your Money Matters to discuss the importance of having an emergency fund. To learn more tips to get you on the right track to financial literacy, go to republicebank.com.

In this listener Q&A episode, Mark answers some of the questions that keep people up at night, from long-term healthcare without the monthly drain to how much to actually have in your emergency fund. We walk through strategies like Roth conversions, qualified charitable distributions, and alternative ways to cover long-term care costs, all with the goal of keeping more money in your pocket and building a retirement plan that works for your life.   Here's some of what we discuss in this episode:

Snag Our Simplified Budget System!Budget Besties, this one's for everyone who's ever thought, “Why does it feel like everything is hitting all at once?”

What if your six-month emergency fund isn't enough? In this episode, John, Michael, and Tommy tackle the shifting financial landscape for federal employees in 2025. As government changes create uncertainty—think early retirements and layoffs—they share smart, strategic ways to prepare. You'll learn how to build a tiered emergency plan, optimize your liquidity, and adapt your lifestyle budget in case your income suddenly takes a hit.  Access the full show notes at Mason & Associates, LLC Resources Mentioned: Tommy Blackburn: LinkedIn John Mason: LinkedIn Dave Ramsey Rocket Money EveryDollar Thrift Savings Plan (TSP) Don't Max Your TSP 

I know that I've mentioned emergency funds in plenty of my episodes, but I have yet to dedicate a whole episode to it – and I think that's appropriate. To simply put it, an emergency fund is just a cash reserve, or safety net, if you will, that is set aside for any unplanned expenses or in some cases, emergencies.

Host:  Faith Dammann Schlicht, PA-CGuest: Katarina Astrup, MSPAS, PA-C Katarina and Faith discuss financial literacy, with Katarina sharing her journey from being financially illiterate to becoming a financial independence advocate. Katarina highlights the importance of financial independence, especially for PAs, and how it can help prevent burnout. The discussion is aimed to empower PAs to take control of their finances and manage them effectively.Book recommendations for PAs interested in learning about FI:https://www.pathefiway.com/blog/book-recommendations-for-pas-on-the-way-to-financial-independence Free PA the FI Way Beginner's Workbook:https://www.pathefiway.com/download-the-free-pa-the-fi-way-beginner-s-workbook  Podcast Episode about HYSAs and Emergency Funds: https://www.pathefiway.com/podcasts/pa-the-fi-way/episodes/2148992733  Website: pathefiway.com Connect with Kat:Instagram: @pathefiway https://www.instagram.com/pathefiway/LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/

Financial Peace University is now in the hallowed halls of River City Community Church!Pastor Sean celebrates a partnership with Dave Ramsey's Financial Peace University as he shares personal experiences with debt and financial recovery, emphasizing the spiritual and practical benefits of money management. Sign up for the next deeply discounted class at reallife.org.00:00 Easter Celebration Invitation00:16 Easter Weekend Events01:06 Reaching for Real Life Introduction01:33 Preparing for Easter Services03:26 Financial Peace University04:46 Personal Financial Journey10:32 Budgeting and Financial Freedom14:38 Building an Emergency Fund15:17 Gazelle-Like Intensity16:37 Cutting Up Credit Cards16:42 The Spiritual Aspect of Debt17:49 The Importance of Tithing19:01 The Debt Snowball Method20:19 Steps to Financial Freedom21:27 Living Generously24:08 Financial Peace University Details26:19 Final Thoughts and Upcoming Events

Financial Peace University is now in the hallowed halls of River City Community Church!Pastor Sean celebrates a partnership with Dave Ramsey's Financial Peace University as he shares personal experiences with debt and financial recovery, emphasizing the spiritual and practical benefits of money management. Sign up for the next deeply discounted class at reallife.org.00:00 Easter Celebration Invitation00:16 Easter Weekend Events01:06 Reaching for Real Life Introduction01:33 Preparing for Easter Services03:26 Financial Peace University04:46 Personal Financial Journey10:32 Budgeting and Financial Freedom14:38 Building an Emergency Fund15:17 Gazelle-Like Intensity16:37 Cutting Up Credit Cards16:42 The Spiritual Aspect of Debt17:49 The Importance of Tithing19:01 The Debt Snowball Method20:19 Steps to Financial Freedom21:27 Living Generously24:08 Financial Peace University Details26:19 Final Thoughts and Upcoming Events

In this enlightening episode of About That Wallet, host Anthony Weaver reconnects with Alissa from Amplify My Wealth after almost two years. Together, they delve into the financial challenges faced by the sandwich generation, especially those balancing responsibilities between their children and aging parents.Alissa shares her expertise on simplifying finances for women and families, emphasizing the importance of prioritizing personal financial health before taking on the financial burdens of others. They discuss the misconceptions surrounding emergency funds, the significance of a solid financial mindset, and the need for clear boundaries when supporting adult children.

In today's financial landscape, having the right emergency fund is more crucial than ever for maintaining your financial confidence. In this episode of Wise Money, we are diving deep into the essentials of building an emergency fund that suits your unique needs. Discover how to determine the ideal amount to set aside, explore the best places to keep your emergency fund, and learn how to optimize it.  Season 10, Episode 33 Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/3pdGSJeGSrk  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

This episode kicks-off  Financial Literacy Month! Ms. Black reviews the 8 Keys for Financial EmpowermentBudgeting-tracking your spending allows you to see where your money is going and identify areas where you can saveSavings- is the first step in building wealth an Emergency Fund stops you from blowing your budget. You can then various savings buckets (i.e. new car, gifting, maintenance)Debt- deceasing and eliminating debt allows you to save more and put your money to work for you and not someone else.Credit- managing your credit score save you money by lowering your interest rates and allow you to get better employment opportunitiesInvesting- saves time and money as your money works for you a the earning compound.Earning more/ multiple streams of income- the more you earn the more you can save and invest.Insurance- saves you from having to pay to replace items and can replace the income from a lost love oneEstate Planning- allows your family to save time and money on lawyer and court costs after your passingMs. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk

April is #NationalFinancialCapabilityMonth and Making Cents of Money is celebrating with an episode that covers a variety of financial topics that reference favorite throwback episodes. Ready for a challenge this month? Tune in to learn more. Show Notes: Making Cents of Money Episodes • Episode 101: New Year, New Financial Resolutions: https://soundcloud.com/idfpr/episode-101-new-year-new-financial-resolutions?si=09578c6ba28040a6b3b56260fc9fd276&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 91: Retirement Savings in Illinois: https://soundcloud.com/idfpr/episode-91-retirement-savings-in-illinois?si=a573cc37160345ed857904b3da4d8447&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 90: Back to School: College and Credit: https://soundcloud.com/idfpr/episode-90-back-to-school-college-and-credit?si=59d2e6f067714030a6cc2134f6700250&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 88: Financial Wellness Concepts: https://soundcloud.com/idfpr/episode-88-financial-wellness-concepts?si=1477cb78feae4add9792f9849d3808e8&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 82: Free Financial Education Resources for Illinois Residents: https://soundcloud.com/idfpr/sto?si=2f8559d9b5ba4b1e9f9d6067914e88cd&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 72: Budgeting and Financial Planning: https://soundcloud.com/idfpr/sets/budgeting-financial-planning?si=6a9c76d0112146ce8bdeb7dfa3130e0e&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 70: Establishing and Managing Credit: https://soundcloud.com/idfpr/sets/establishing-managing-credit?si=6a9ec01a0c014cdda669638db760169b&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 67: What is a Credit Report Anyway?: https://soundcloud.com/idfpr/episode-67-whats-a-credit-report-anyway?si=467b672c529647a4932ee79883b3e592&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 26: Building an Emergency Fund: https://soundcloud.com/idfpr/episode-26-emergency-funds?si=6fc286c508264a658d15f6235a79f589&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing

Two months ago my youngest son had a freak accident that turned our world upside down. What started as a chipped tooth at school quickly spiraled into multiple surgeries, procedures, and a life-changing injury.I'm taking you behind the scenes of this emotional journey - from that first call from the school nurse to endless visits with specialists and surgeries. I'm sharing how we navigated multiple specialists, several surgeries, and what this means for my son (and us!) going forward.This accident will have lasting impacts on my 10-year-old, but I'm also sharing why having an emergency fund was absolutely crucial in helping us focus on his care rather than financial stress.High Yield Savings Account Link - earn 10x national average!Financial Impact:Emergency Room (Medical):Total Bill: $7,230.00Insurance Paid: $2,659.20We Paid: $3,199.56 (30% discount)Pediatric Dentist (Dental):Total Bill: $1,073.00Insurance Paid: $123.00We Paid: $583.00 (discount)Oral Surgeon (Dental):Total Bill: $3,441.00Insurance Paid: $211We paid: $3,230.00Endodontist (Dental):Total Bill: $4,636.00Insurance Paid: $0.00We Paid: $3,477.00 (25% discount)Total Paid to Date: $13,044.56You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

What if you suddenly couldn't work? Business or Pressure host Allissa Haines breaks down how much money you should have set aside in an emergency fund and the key factors that influence that number. From fixed expenses to income replacement strategies, she walks you through the options to help you stay financially secure in uncertain times. Resources: Barry Hatfield, Main Street Massage  https://hudsonmassagetherapy.com/blog/        Host: Allissa Haines is a practicing massage therapist and business owner and columnist for Massage & Bodywork magazine. You can find her building a community of massage therapists at deepbreathdigital.com   Author links:   Website: www.deepbreathdigital.com

Greg McBride, chief financial analyst at BankRate.com, discusses how the site's latest survey shows that Americans are tapping into emergency savings increasingly to pay ordinary expenses. He talks about the dangerous spiral that a growing number of consumers are on, as they begin to exhaust emergency funds and have to rely increasingly on credit cards, currently carrying record-high interest rates. Rob Nestor, president of Turing Technologies, discusses the evolution of "high-conviction investing," and how focusing on the investment ideas that money managers most believe in can deliver results that beat indexes. In the Market Call, Greg Halter, director of research at Carnegie Investment Counsel, makes his debut on the show, talking stocks.

Today, Don and Tom discuss essential personal finance and retirement planning strategies. They consider the future Social Security and the need to delay benefits for better payouts while advising young listeners to establish emergency funds and utilize 401(k) and Roth IRA benefits. The hosts caution against misleading bank promotions and provide personalized insights on listener questions regarding insurance policies and tax implications.  2:05 Concerns About Social Security 5:03 Social Security and Retirement Planning 5:29 Social Security Class Announcement 7:30 Investing for Young Adults 8:28 Emergency Funds and 401k Options 10:33 Real Estate Considerations for Young Adults 14:06 High-Yield Savings Accounts Discussion 24:10 Gimmicks in Banking Rates 28:33 Roth Conversion and Capital Gains 35:04 Market Performance and Emotional Investing Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we are talking with a PGY2 who has saved up six months of emergency funds. He has an impressive savings rate of around 35% and shows us that you can still make progress in your financial life even while you are still in training. Get financially educated, make sound financial choices, live within your means and you will be ready to hit the ground running as an attending. After the interview we will be talking about finances in a two doc household for Finance 101. With Weatherby Healthcare, you choose your own healthcare career path. Our locums experts then support you every step of the way, helping you find the right opportunities at the right times. We understand your professional and personal goals, and are experts at helping you achieve them. Let's keep your career interesting with new locations and settings, and diverse patients and cases. And, just as importantly, let's make sure you get more free time for your hobbies… or to just relax. We'll help you find that balance. With more jobs in more locations, Weatherby gets you where you want to go. https://whitecoatinvestor.com/weatherby The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones  Main Website: https://www.whitecoatinvestor.com  Student Loan Advice: https://studentloanadvice.com  YouTube: https://www.whitecoatinvestor.com/youtube  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter