Podcasts about financial finesse

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3328: Scott Spann outlines a straightforward estate planning checklist that empowers you to make proactive decisions, no matter your age, income, or family status. From organizing documents and setting clear goals to naming beneficiaries and creating essential legal directives, this guide helps ensure your wishes are honored and your loved ones are spared unnecessary stress during difficult times. Read along with the original article(s) here: https://www.financialfinesse.com/2013/06/17/a-simple-estate-planning-checklist-for-a-challenging-topic/ Quotes to ponder: "Discussing your intentions in advance can help avoid family conflicts and also minimize the potential for any confusion or questions regarding your true intentions." "If you have a plan in place but nobody is aware of it, then your wishes may be ignored or there may be significant delays in figuring out your desires." "Life will undoubtedly throw a curve ball or two our way so it's essential to review and adapt our plans as necessary." Episode references: Life Happens: https://lifehappens.org/ LegalZoom: https://www.legalzoom.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3303: Scott Spann explores situations where a Roth IRA may not be the best choice, highlighting factors like early withdrawal temptations, uncertain future tax rates, and the potential benefits of focusing on career development instead. His perspective encourages weighing personal circumstances and long-term financial goals before deciding between retirement account options. Read along with the original article(s) here: https://www.financialfinesse.com/2013/07/01/reasons-to-stay-away-from-a-roth/ Quotes to ponder: "A wonderful feature of Roth IRAs is the ability to access your contributions at any time without taxes or penalties. This ease of accessibility can be dangerous for people who may be easily tempted to withdraw these contributions prior to retirement for non-emergencies." "If you are debating between contributing to a Roth or advancing your knowledge and earnings potential, it just may make more sense to focus on career development for the best return on your investment." "We could even see a national sales tax or a VAT that would be applied to all spending, whether it came from a Roth or not." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3303: Scott Spann explores situations where a Roth IRA may not be the best choice, highlighting factors like early withdrawal temptations, uncertain future tax rates, and the potential benefits of focusing on career development instead. His perspective encourages weighing personal circumstances and long-term financial goals before deciding between retirement account options. Read along with the original article(s) here: https://www.financialfinesse.com/2013/07/01/reasons-to-stay-away-from-a-roth/ Quotes to ponder: "A wonderful feature of Roth IRAs is the ability to access your contributions at any time without taxes or penalties. This ease of accessibility can be dangerous for people who may be easily tempted to withdraw these contributions prior to retirement for non-emergencies." "If you are debating between contributing to a Roth or advancing your knowledge and earnings potential, it just may make more sense to focus on career development for the best return on your investment." "We could even see a national sales tax or a VAT that would be applied to all spending, whether it came from a Roth or not." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3281: Erik Carter highlights the importance of protecting your finances with the right safeguards before focusing on long-term goals. From health and disability insurance to emergency savings, estate planning, and life coverage, he explains how these essential protections can prevent devastating setbacks and ensure peace of mind for you and your loved ones. Read along with the original article(s) here: https://www.financialfinesse.com/2012/12/20/do-you-have-these-basic-financial-protections-in-place/ Quotes to ponder: "Medical bills are also one of the most common debts we see and the leading cause of bankruptcy." "The chances of you becoming disabled is much greater than dying before you retire and the financial impact is higher." "You never know when you'll need these protections in place and there's no 'good time' to get them done so do it now." Episode references: Term4Sale: https://www.term4sale.com/ Affordable Care Act: https://www.healthcare.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3281: Erik Carter highlights the importance of protecting your finances with the right safeguards before focusing on long-term goals. From health and disability insurance to emergency savings, estate planning, and life coverage, he explains how these essential protections can prevent devastating setbacks and ensure peace of mind for you and your loved ones. Read along with the original article(s) here: https://www.financialfinesse.com/2012/12/20/do-you-have-these-basic-financial-protections-in-place/ Quotes to ponder: "Medical bills are also one of the most common debts we see and the leading cause of bankruptcy." "The chances of you becoming disabled is much greater than dying before you retire and the financial impact is higher." "You never know when you'll need these protections in place and there's no 'good time' to get them done so do it now." Episode references: Term4Sale: https://www.term4sale.com/ Affordable Care Act: https://www.healthcare.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3281: Erik Carter highlights the importance of protecting your finances with the right safeguards before focusing on long-term goals. From health and disability insurance to emergency savings, estate planning, and life coverage, he explains how these essential protections can prevent devastating setbacks and ensure peace of mind for you and your loved ones. Read along with the original article(s) here: https://www.financialfinesse.com/2012/12/20/do-you-have-these-basic-financial-protections-in-place/ Quotes to ponder: "Medical bills are also one of the most common debts we see and the leading cause of bankruptcy." "The chances of you becoming disabled is much greater than dying before you retire and the financial impact is higher." "You never know when you'll need these protections in place and there's no 'good time' to get them done so do it now." Episode references: Term4Sale: https://www.term4sale.com/ Affordable Care Act: https://www.healthcare.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2712: Michael Smith warns how unchecked college costs and easy credit can derail young adults before they start, then lays out practical ways parents can prepare kids early to make smarter, lower-cost education choices. You'll hear strategies for building money skills, comparing true ROI of schools and majors, and pursuing scholarships and alternative paths that keep opportunity high and debt low. Read along with the original article(s) here: https://www.financialfinesse.com/2012/06/08/i-dont-want-my-kids-to-be-crushed-by-student-loans-do-you/ Quotes to ponder: "It's becoming increasingly common for me to see people who are paying more each month in student loan payments than they are for rent." "Is there a benefit for paying $60,000 per year that you can't get by paying $5,000 - $10,000?" "One of the best gifts you can give your children is to help them avoid a lifetime of debt after graduation." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2712: Michael Smith warns how unchecked college costs and easy credit can derail young adults before they start, then lays out practical ways parents can prepare kids early to make smarter, lower-cost education choices. You'll hear strategies for building money skills, comparing true ROI of schools and majors, and pursuing scholarships and alternative paths that keep opportunity high and debt low. Read along with the original article(s) here: https://www.financialfinesse.com/2012/06/08/i-dont-want-my-kids-to-be-crushed-by-student-loans-do-you/ Quotes to ponder: "It's becoming increasingly common for me to see people who are paying more each month in student loan payments than they are for rent." "Is there a benefit for paying $60,000 per year that you can't get by paying $5,000 - $10,000?" "One of the best gifts you can give your children is to help them avoid a lifetime of debt after graduation." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3255: Cynthia Meyer explains why tapping into your 401(k) or 403(b) through a hardship withdrawal should be a last resort, outlining the steep tax penalties, loss of long-term growth, and strict IRS rules that apply. She offers a series of practical questions to weigh alternatives, like selling assets, using a Roth IRA, or taking a retirement plan loan, before sacrificing retirement savings. The advice encourages a disciplined, future-focused approach to financial emergencies while still addressing urgent needs responsibly. Read along with the original article(s) here: https://www.financialfinesse.com/2017/03/27/should-you-take-a-hardship-withdrawal/ Quotes to ponder: "Just because you could withdraw funds doesn't mean that you should do it." "A hardship withdrawal is meant for a true emergency." "Think of it as a tax I've paid to my future self." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3255: Cynthia Meyer explains why tapping into your 401(k) or 403(b) through a hardship withdrawal should be a last resort, outlining the steep tax penalties, loss of long-term growth, and strict IRS rules that apply. She offers a series of practical questions to weigh alternatives, like selling assets, using a Roth IRA, or taking a retirement plan loan, before sacrificing retirement savings. The advice encourages a disciplined, future-focused approach to financial emergencies while still addressing urgent needs responsibly. Read along with the original article(s) here: https://www.financialfinesse.com/2017/03/27/should-you-take-a-hardship-withdrawal/ Quotes to ponder: "Just because you could withdraw funds doesn't mean that you should do it." "A hardship withdrawal is meant for a true emergency." "Think of it as a tax I've paid to my future self." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3255: Cynthia Meyer explains why tapping into your 401(k) or 403(b) through a hardship withdrawal should be a last resort, outlining the steep tax penalties, loss of long-term growth, and strict IRS rules that apply. She offers a series of practical questions to weigh alternatives, like selling assets, using a Roth IRA, or taking a retirement plan loan, before sacrificing retirement savings. The advice encourages a disciplined, future-focused approach to financial emergencies while still addressing urgent needs responsibly. Read along with the original article(s) here: https://www.financialfinesse.com/2017/03/27/should-you-take-a-hardship-withdrawal/ Quotes to ponder: "Just because you could withdraw funds doesn't mean that you should do it." "A hardship withdrawal is meant for a true emergency." "Think of it as a tax I've paid to my future self." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3199: Tania Brown lays out a practical, empowering path to financial freedom through seven foundational steps, from building a strong emergency fund to establishing an estate plan. Her guidance emphasizes self-reliance, smart tax strategies, and intentional investing to reduce money-related stress and secure long-term independence. Read along with the original article(s) here: https://www.financialfinesse.com/2017/07/04/7-steps-to-your-financial-independence-day-2/ Quotes to ponder: "A well-funded emergency fund is the first step to a worry-free financial life." "Borrowing money at a high interest rate is a form of voluntary slavery." "Financial independence comes from self reliance." Episode references: LegalZoom: https://www.legalzoom.com IRS Withholding Calculator: https://www.irs.gov/individuals/tax-withholding-estimator Nolo: https://www.nolo.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3199: Tania Brown lays out a practical, empowering path to financial freedom through seven foundational steps, from building a strong emergency fund to establishing an estate plan. Her guidance emphasizes self-reliance, smart tax strategies, and intentional investing to reduce money-related stress and secure long-term independence. Read along with the original article(s) here: https://www.financialfinesse.com/2017/07/04/7-steps-to-your-financial-independence-day-2/ Quotes to ponder: "A well-funded emergency fund is the first step to a worry-free financial life." "Borrowing money at a high interest rate is a form of voluntary slavery." "Financial independence comes from self reliance." Episode references: LegalZoom: https://www.legalzoom.com IRS Withholding Calculator: https://www.irs.gov/individuals/tax-withholding-estimator Nolo: https://www.nolo.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3199: Tania Brown lays out a practical, empowering path to financial freedom through seven foundational steps, from building a strong emergency fund to establishing an estate plan. Her guidance emphasizes self-reliance, smart tax strategies, and intentional investing to reduce money-related stress and secure long-term independence. Read along with the original article(s) here: https://www.financialfinesse.com/2017/07/04/7-steps-to-your-financial-independence-day-2/ Quotes to ponder: "A well-funded emergency fund is the first step to a worry-free financial life." "Borrowing money at a high interest rate is a form of voluntary slavery." "Financial independence comes from self reliance." Episode references: LegalZoom: https://www.legalzoom.com IRS Withholding Calculator: https://www.irs.gov/individuals/tax-withholding-estimator Nolo: https://www.nolo.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3157: Erik Carter underscores how embracing a margin of safety, a buffer against unpredictability, can transform your entire approach to financial planning, from investing and retirement to insurance and emergency savings. By preparing for less-than-ideal outcomes, you reduce financial stress and increase confidence in your long-term goals, all while building a more secure path to financial freedom. Read along with the original article(s) here: https://www.financialfinesse.com/2013/09/05/the-3-most-important-words-in-retirement-planning/ Quotes to ponder: "A margin of safety gives you room for error to be wrong." "Entering numbers into a retirement calculator that are overly optimistic will produce a case of the old garbage in, garbage out." "You also don't want to assume an average life expectancy. After all, there's at least a 50% chance that you'll live past average." Episode references: Fidelity Retiree Health Care Cost Estimate: https://www.fidelity.com/viewpoints/personal-finance/plan-for-rising-health-care-costs Stocks for the Long Run by Jeremy Siegel: https://www.amazon.com/Stocks-Long-Run-Definitive-Investment/dp/0071800514 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3157: Erik Carter underscores how embracing a margin of safety, a buffer against unpredictability, can transform your entire approach to financial planning, from investing and retirement to insurance and emergency savings. By preparing for less-than-ideal outcomes, you reduce financial stress and increase confidence in your long-term goals, all while building a more secure path to financial freedom. Read along with the original article(s) here: https://www.financialfinesse.com/2013/09/05/the-3-most-important-words-in-retirement-planning/ Quotes to ponder: "A margin of safety gives you room for error to be wrong." "Entering numbers into a retirement calculator that are overly optimistic will produce a case of the old garbage in, garbage out." "You also don't want to assume an average life expectancy. After all, there's at least a 50% chance that you'll live past average." Episode references: Fidelity Retiree Health Care Cost Estimate: https://www.fidelity.com/viewpoints/personal-finance/plan-for-rising-health-care-costs Stocks for the Long Run by Jeremy Siegel: https://www.amazon.com/Stocks-Long-Run-Definitive-Investment/dp/0071800514 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3157: Erik Carter underscores how embracing a margin of safety, a buffer against unpredictability, can transform your entire approach to financial planning, from investing and retirement to insurance and emergency savings. By preparing for less-than-ideal outcomes, you reduce financial stress and increase confidence in your long-term goals, all while building a more secure path to financial freedom. Read along with the original article(s) here: https://www.financialfinesse.com/2013/09/05/the-3-most-important-words-in-retirement-planning/ Quotes to ponder: "A margin of safety gives you room for error to be wrong." "Entering numbers into a retirement calculator that are overly optimistic will produce a case of the old garbage in, garbage out." "You also don't want to assume an average life expectancy. After all, there's at least a 50% chance that you'll live past average." Episode references: Fidelity Retiree Health Care Cost Estimate: https://www.fidelity.com/viewpoints/personal-finance/plan-for-rising-health-care-costs Stocks for the Long Run by Jeremy Siegel: https://www.amazon.com/Stocks-Long-Run-Definitive-Investment/dp/0071800514 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3128: Mark Dennis shares practical strategies for building financial habits that actually last, emphasizing the importance of values-based goals, small wins, and systems over willpower. Learn how to align your money behavior with your long-term vision through habit science and simple, repeatable actions. Read along with the original article(s) here: https://www.financialfinesse.com/2018/03/16/how-to-adopt-financial-habits-that-stick/ Quotes to ponder: "One of the most important steps in adopting better financial habits is identifying a strong, personal motivation behind the behavior." "Motivation gets you started, but systems are what keep you going." "If the habit is too big or too drastic a change from your current behavior, it's likely to fail." Episode references: BJ Fogg's Behavior Model: https://www.behaviormodel.org/ Tiny Habits by BJ Fogg: https://www.amazon.com/Tiny-Habits-Changes-Everything/dp/0358003326 Betterment (automated investing): https://www.betterment.com/ You Need a Budget (YNAB): https://www.youneedabudget.com/ The Power of Habit: https://www.amazon.com/Power-Habit-What-Life-Business/dp/081298160X Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3128: Mark Dennis shares practical strategies for building financial habits that actually last, emphasizing the importance of values-based goals, small wins, and systems over willpower. Learn how to align your money behavior with your long-term vision through habit science and simple, repeatable actions. Read along with the original article(s) here: https://www.financialfinesse.com/2018/03/16/how-to-adopt-financial-habits-that-stick/ Quotes to ponder: "One of the most important steps in adopting better financial habits is identifying a strong, personal motivation behind the behavior." "Motivation gets you started, but systems are what keep you going." "If the habit is too big or too drastic a change from your current behavior, it's likely to fail." Episode references: BJ Fogg's Behavior Model: https://www.behaviormodel.org/ Tiny Habits by BJ Fogg: https://www.amazon.com/Tiny-Habits-Changes-Everything/dp/0358003326 Betterment (automated investing): https://www.betterment.com/ You Need a Budget (YNAB): https://www.youneedabudget.com/ The Power of Habit: https://www.amazon.com/Power-Habit-What-Life-Business/dp/081298160X Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3128: Mark Dennis shares practical strategies for building financial habits that actually last, emphasizing the importance of values-based goals, small wins, and systems over willpower. Learn how to align your money behavior with your long-term vision through habit science and simple, repeatable actions. Read along with the original article(s) here: https://www.financialfinesse.com/2018/03/16/how-to-adopt-financial-habits-that-stick/ Quotes to ponder: "One of the most important steps in adopting better financial habits is identifying a strong, personal motivation behind the behavior." "Motivation gets you started, but systems are what keep you going." "If the habit is too big or too drastic a change from your current behavior, it's likely to fail." Episode references: BJ Fogg's Behavior Model: https://www.behaviormodel.org/ Tiny Habits by BJ Fogg: https://www.amazon.com/Tiny-Habits-Changes-Everything/dp/0358003326 Betterment (automated investing): https://www.betterment.com/ You Need a Budget (YNAB): https://www.youneedabudget.com/ The Power of Habit: https://www.amazon.com/Power-Habit-What-Life-Business/dp/081298160X Learn more about your ad choices. Visit megaphone.fm/adchoices

Thinking about the best hire for your business? Look no further - it's a CFO! In this episode, Deborah sits down with Ahuva Gruen, a seasoned fractional CFO who has helped countless businesses achieve financial clarity, scalability, and success. Tune in now and discover why this role might be the game-changer your business has been waiting for! Here are the things to expect in the episode:What is a fractional CFO?The difference between a regular CFO and a fractional CFO.Why hiring a fractional CFO might be the best financial decision for your business.Common challenges that most small businesses face.Specific examples of how Ahuva helped clients improve their businesses.And much more! About Ahuva:Ahuva is a seasoned Fractional CFO with over 20 years of experience, dedicated to transforming businesses and unlocking their financial potential. Leveraging her CPA and CFO expertise, she provides clarity to entrepreneurs, helping them optimize pricing, secure financing, and eliminate obstacles. As the founder of her own business, Ahuva partners with clients as a strategic advisor, empowering them to achieve growth, profitability, and long-term success through informed financial decisions and visionary guidance. Connect with Ahuva Gruen!Website: https://www.agfinancialcpa.com/LinkedIn: https://www.linkedin.com/in/ahuvagruen/ Book Recommendations:Who Not How: The Formula to Achieve Bigger Goals Through Accelerating Teamwork by Dan Sullivan and Benjamin Hardy Great at Work: The Hidden Habits of Top Performers by Morten T. Hansen Crucial Conversations: Tools for Talking When Stakes are High by Al Switzler, Ron McMillan, Joseph Grenny, Emily Gregory, Kerry Patterson   Connect with Deborah Kevin:Website: www.deborahkevin.comSubstack: https://debbykevin.substack.com/Instagram: www.instagram.com/debbykevinwriterLinkedIn: https://www.linkedin.com/in/deborah-kevin/Book Recommendations: https://bookshop.org/shop/storytellher Check out Highlander Press:Website: www.highlanderpressbooks.comTikTok: https://www.tiktok.com/@highlanderpressInstagram: https://www.instagram.com/highlanderpressFacebook: https://www.facebook.com/highlanderpress

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3076: Cutting back on small luxuries can help, but real financial freedom often requires big, bold changes. Cynthia Meyer shares how she tackled overwhelming debt by downsizing her living space, rethinking entertainment expenses, and even giving up her car, saving over $1,200 per month in the process. Her story proves that by making intentional sacrifices, you can accelerate debt repayment and reclaim your financial future. Read along with the original article(s) here: https://www.financialfinesse.com/2017/07/03/would-you-go-this-far-to-pay-off-your-debt/ Quotes to ponder: "That's when I decided that only making drastic changes would get the outsized results I was seeking." "Consider making some big changes to climb that debt mountain faster. Trust me, you'll feel great when you get to the top and look around at how far you've come." "There is a secret financial power in home cooking!" Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3076: Cutting back on small luxuries can help, but real financial freedom often requires big, bold changes. Cynthia Meyer shares how she tackled overwhelming debt by downsizing her living space, rethinking entertainment expenses, and even giving up her car, saving over $1,200 per month in the process. Her story proves that by making intentional sacrifices, you can accelerate debt repayment and reclaim your financial future. Read along with the original article(s) here: https://www.financialfinesse.com/2017/07/03/would-you-go-this-far-to-pay-off-your-debt/ Quotes to ponder: "That's when I decided that only making drastic changes would get the outsized results I was seeking." "Consider making some big changes to climb that debt mountain faster. Trust me, you'll feel great when you get to the top and look around at how far you've come." "There is a secret financial power in home cooking!" Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3076: Cutting back on small luxuries can help, but real financial freedom often requires big, bold changes. Cynthia Meyer shares how she tackled overwhelming debt by downsizing her living space, rethinking entertainment expenses, and even giving up her car, saving over $1,200 per month in the process. Her story proves that by making intentional sacrifices, you can accelerate debt repayment and reclaim your financial future. Read along with the original article(s) here: https://www.financialfinesse.com/2017/07/03/would-you-go-this-far-to-pay-off-your-debt/ Quotes to ponder: "That's when I decided that only making drastic changes would get the outsized results I was seeking." "Consider making some big changes to climb that debt mountain faster. Trust me, you'll feel great when you get to the top and look around at how far you've come." "There is a secret financial power in home cooking!" Learn more about your ad choices. Visit megaphone.fm/adchoices

If the tumbling leaves of fall indicate anything let it be this: It's time to move! It's time to start thinking about what you want in the new year and preparing to achieve those goals. Today's guest is Majd, an employee who has built a longstanding relationship with Financial Finesse having spoken with 17 coaches since her first call. After explaining why now is the perfect time to start planning for 2025, Majd details her experience of calling Financial Finesse for the very first time, what she thinks of our coaches and the services she receives from us, how working with Financial Finesse broadened her understanding and relationship with money, and her advice for first-timers who are finally ready to call a financial coach. We also unpack the plethora of considerations when moving across state lines, the mistakes many make when changing jobs mid-year, common misconceptions about multi-state tax returns, and the importance of always having a healthy stash tucked away for rainy days. Key points from this episode:Why it's never too early to plan for your future. What prompted today's guest, Majd, to call Financial Finesse for the first time. Examining her living circumstances when she made the work move to Atlanta from L.A. and how to approach a big move.Common mistakes that people make when changing jobs mid-year. Everyday misconceptions about multi-state tax returns. How working with Financial Finesse has improved Majd's relationship with money.Her thoughts about financial coaching before and after receiving our services. What to consider when deciding between buying and renting when moving to a new city.The importance of establishing a healthy emergency fund before a big move. Majd's advice for making that first call to a financial coach. Quotes:“California does not offer a state tax deduction for contributing to the 529 plan, but Georgia does. So, if you're going to try to do something and make a contribution, why not have it optimized — from a tax perspective — by taking advantage of the state that does offer good deductions?” — Alesha Isaacs [12:48]“[Working with Financial Finesse has] changed things in the fact that I know that I have someone that I can trust.” — Majd [14:03]“[With Financial Finesse] I just feel empowered in the sense that if I need help with something, I know that there's someone to turn to, and I know there's someone that's going to take the time to explain things in a simple way.” — Majd [14:33]“I don't want to be driving to places that I think are basic necessities; I want to be able to walk. That's how I pretty much chose the area [where I live].” — Majd [19:26] Links mentioned in today's episode:Alesha Isaacs on LinkedInJulie Everett on LinkedIn Submit Your Questions via EmailFinancial Finesse

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3003: Kelley Long shares practical advice for navigating the complexities of hiring a tax professional. Whether you're a self-employed entrepreneur or have straightforward tax needs, she clarifies the roles of tax preparers, EAs, and CPAs, and offers actionable tips to ensure you find the right expert to save time, money, and stress. Read along with the original article(s) here: https://www.financialfinesse.com/2017/04/26/how-to-find-a-good-tax-preparer/ Quotes to ponder: "Pretty much anyone can call themselves a tax preparer, although the IRS has started to regulate that by requiring people who accept payment for preparing taxes to have a PTIN." "If time is money, then the money we pay our accountant to prepare and file our taxes is money well spent." "The sad fact is that there aren't a lot of CPAs out there that actually want to do income taxes for regular families who just have jobs, kids, a house, and a few charitable donations." Episode references: Illinois CPA Society: https://www.icpas.org National Association of Enrolled Agents: https://www.naea.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3003: Kelley Long shares practical advice for navigating the complexities of hiring a tax professional. Whether you're a self-employed entrepreneur or have straightforward tax needs, she clarifies the roles of tax preparers, EAs, and CPAs, and offers actionable tips to ensure you find the right expert to save time, money, and stress. Read along with the original article(s) here: https://www.financialfinesse.com/2017/04/26/how-to-find-a-good-tax-preparer/ Quotes to ponder: "Pretty much anyone can call themselves a tax preparer, although the IRS has started to regulate that by requiring people who accept payment for preparing taxes to have a PTIN." "If time is money, then the money we pay our accountant to prepare and file our taxes is money well spent." "The sad fact is that there aren't a lot of CPAs out there that actually want to do income taxes for regular families who just have jobs, kids, a house, and a few charitable donations." Episode references: Illinois CPA Society: https://www.icpas.org National Association of Enrolled Agents: https://www.naea.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3003: Kelley Long shares practical advice for navigating the complexities of hiring a tax professional. Whether you're a self-employed entrepreneur or have straightforward tax needs, she clarifies the roles of tax preparers, EAs, and CPAs, and offers actionable tips to ensure you find the right expert to save time, money, and stress. Read along with the original article(s) here: https://www.financialfinesse.com/2017/04/26/how-to-find-a-good-tax-preparer/ Quotes to ponder: "Pretty much anyone can call themselves a tax preparer, although the IRS has started to regulate that by requiring people who accept payment for preparing taxes to have a PTIN." "If time is money, then the money we pay our accountant to prepare and file our taxes is money well spent." "The sad fact is that there aren't a lot of CPAs out there that actually want to do income taxes for regular families who just have jobs, kids, a house, and a few charitable donations." Episode references: Illinois CPA Society: https://www.icpas.org National Association of Enrolled Agents: https://www.naea.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2436: Kelley Long outlines an 8-step financial planning guide tailored for newlyweds to align their financial goals and foster open communication about money. From budget-setting and emergency savings to drafting essential documents and automating finances, these steps provide a practical framework to build financial security as a team while strengthening marital bonds. Read along with the original article(s) here: https://www.financialfinesse.com/2015/09/16/the-8-step-diy-financial-plan-for-newlyweds/ Quotes to ponder: "Discuss your earliest financial memories, your fears about money, your personal definition of financial security. This is a judgment-free zone and 100% honesty is essential." "Having this account in place is one of the foundations of financial security." "A financial plan is just that: a plan. In order to make sure you're staying on plan, it's important to revisit once a year or so to measure progress, celebrate successes and adjust for changes." Episode references: NOLO Estate Planning Resources: https://www.nolo.com Life Happens Insurance Calculator: https://lifehappens.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2436: Kelley Long outlines an 8-step financial planning guide tailored for newlyweds to align their financial goals and foster open communication about money. From budget-setting and emergency savings to drafting essential documents and automating finances, these steps provide a practical framework to build financial security as a team while strengthening marital bonds. Read along with the original article(s) here: https://www.financialfinesse.com/2015/09/16/the-8-step-diy-financial-plan-for-newlyweds/ Quotes to ponder: "Discuss your earliest financial memories, your fears about money, your personal definition of financial security. This is a judgment-free zone and 100% honesty is essential." "Having this account in place is one of the foundations of financial security." "A financial plan is just that: a plan. In order to make sure you're staying on plan, it's important to revisit once a year or so to measure progress, celebrate successes and adjust for changes." Episode references: NOLO Estate Planning Resources: https://www.nolo.com Life Happens Insurance Calculator: https://lifehappens.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2972: Tania Brown demonstrates how automating finances can simplify life while fostering better money habits. By setting up tools for budgeting, bill payment, savings, retirement contributions, and tax-efficient investing, she outlines a low-effort system that helps busy individuals achieve financial security and peace of mind. Read along with the original article(s) here: https://www.financialfinesse.com/2018/03/26/how-to-put-your-finances-on-auto-pilot/ Quotes to ponder: "My ability to save doesn't have to do with willpower or self-control. Instead, it's all about the systems I have in place to make my pool of money look as small as possible." "The best part is that her time and effort spent on money will be minimal going forward." "Your habits surrounding how you spend and save money are much more impactful than the knowledge you may have about how money works." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2972: Tania Brown demonstrates how automating finances can simplify life while fostering better money habits. By setting up tools for budgeting, bill payment, savings, retirement contributions, and tax-efficient investing, she outlines a low-effort system that helps busy individuals achieve financial security and peace of mind. Read along with the original article(s) here: https://www.financialfinesse.com/2018/03/26/how-to-put-your-finances-on-auto-pilot/ Quotes to ponder: "My ability to save doesn't have to do with willpower or self-control. Instead, it's all about the systems I have in place to make my pool of money look as small as possible." "The best part is that her time and effort spent on money will be minimal going forward." "Your habits surrounding how you spend and save money are much more impactful than the knowledge you may have about how money works." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2972: Tania Brown demonstrates how automating finances can simplify life while fostering better money habits. By setting up tools for budgeting, bill payment, savings, retirement contributions, and tax-efficient investing, she outlines a low-effort system that helps busy individuals achieve financial security and peace of mind. Read along with the original article(s) here: https://www.financialfinesse.com/2018/03/26/how-to-put-your-finances-on-auto-pilot/ Quotes to ponder: "My ability to save doesn't have to do with willpower or self-control. Instead, it's all about the systems I have in place to make my pool of money look as small as possible." "The best part is that her time and effort spent on money will be minimal going forward." "Your habits surrounding how you spend and save money are much more impactful than the knowledge you may have about how money works." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2376: Building a strong network of financially-minded friends can greatly enhance your journey to financial independence. Cynthia Meyer emphasizes the value of forming a supportive, judgment-free group that offers encouragement, confidence, accountability, and opportunities for growth, as shared experiences and collective wisdom can help you stick to your financial goals and navigate challenges more effectively. Read along with the original article(s) here: https://www.financialfinesse.com/2016/01/11/can-your-friends-help-you-become-financially-independent/ Quotes to ponder: "Much like starting a new diet or fitness program has a higher chance for success if you do it with a friend, engaging your friends in financial habit changes could greatly increase the likelihood you'll stick to it." "Encouragement, confidence, accountability, and opportunity - these are the four pillars that a group dedicated to financial independence can offer." "Take it from the late Vince Lombardi: confidence is contagious!" Episode references: What Your Financial Advisor Isn't Telling You: https://www.amazon.com/What-Your-Financial-Advisor-Telling-ebook/dp/B00QPI6TQU Better Than Before: https://www.amazon.com/Better-Than-Before-Habits-Procrastinate/dp/0385348630 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2376: Building a strong network of financially-minded friends can greatly enhance your journey to financial independence. Cynthia Meyer emphasizes the value of forming a supportive, judgment-free group that offers encouragement, confidence, accountability, and opportunities for growth, as shared experiences and collective wisdom can help you stick to your financial goals and navigate challenges more effectively. Read along with the original article(s) here: https://www.financialfinesse.com/2016/01/11/can-your-friends-help-you-become-financially-independent/ Quotes to ponder: "Much like starting a new diet or fitness program has a higher chance for success if you do it with a friend, engaging your friends in financial habit changes could greatly increase the likelihood you'll stick to it." "Encouragement, confidence, accountability, and opportunity - these are the four pillars that a group dedicated to financial independence can offer." "Take it from the late Vince Lombardi: confidence is contagious!" Episode references: What Your Financial Advisor Isn't Telling You: https://www.amazon.com/What-Your-Financial-Advisor-Telling-ebook/dp/B00QPI6TQU Better Than Before: https://www.amazon.com/Better-Than-Before-Habits-Procrastinate/dp/0385348630 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2913: Kelley Long explores how a common money belief spending based on what you can afford instead of what you truly need can keep people in debt. She highlights how small, seemingly insignificant decisions, like choosing convenience over saving money, reflect a mindset that often leads to financial struggle, regardless of income. Her personal journey from paycheck-to-paycheck living to financial stability shows the power of shifting one's approach to spending and saving. Read along with the original article(s) here: https://www.financialfinesse.com/2018/11/06/this-money-belief-is-what-keeps-many-people-in-debt/ Quotes to ponder: "Every dollar I don't spend today is a dollar that can help me stop working sooner." "Spending according to what you need. It's a mindset." "Just because you can squeeze $450/month out of your budget in order to make a car payment doesn't mean you need that nice of a car." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2913: Kelley Long explores how a common money belief spending based on what you can afford instead of what you truly need can keep people in debt. She highlights how small, seemingly insignificant decisions, like choosing convenience over saving money, reflect a mindset that often leads to financial struggle, regardless of income. Her personal journey from paycheck-to-paycheck living to financial stability shows the power of shifting one's approach to spending and saving. Read along with the original article(s) here: https://www.financialfinesse.com/2018/11/06/this-money-belief-is-what-keeps-many-people-in-debt/ Quotes to ponder: "Every dollar I don't spend today is a dollar that can help me stop working sooner." "Spending according to what you need. It's a mindset." "Just because you can squeeze $450/month out of your budget in order to make a car payment doesn't mean you need that nice of a car." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2881: Vekevia Tillman-Jones outlines three situations where using a debit card can backfire, leading to financial headaches like overdraft fees and increased vulnerability to fraud. She offers practical alternatives to help you manage these risks while still sticking to a cash-based approach. Read along with the original article(s) here: https://www.financialfinesse.com/2018/02/20/3-times-you-should-avoid-using-your-debit-card/ Quotes to ponder: "Trying to spend those held dollars before the hotel releases it could lead to an overdraft in your account, even though the hold eventually goes away." "Sometimes it seems like the internet is just one big hackathon with thieves stealing your info no matter how hard you work to protect it." "Credit card companies are also much quicker with crediting your account back to make you whole from unauthorized transactions." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2881: Vekevia Tillman-Jones outlines three situations where using a debit card can backfire, leading to financial headaches like overdraft fees and increased vulnerability to fraud. She offers practical alternatives to help you manage these risks while still sticking to a cash-based approach. Read along with the original article(s) here: https://www.financialfinesse.com/2018/02/20/3-times-you-should-avoid-using-your-debit-card/ Quotes to ponder: "Trying to spend those held dollars before the hotel releases it could lead to an overdraft in your account, even though the hold eventually goes away." "Sometimes it seems like the internet is just one big hackathon with thieves stealing your info no matter how hard you work to protect it." "Credit card companies are also much quicker with crediting your account back to make you whole from unauthorized transactions." Learn more about your ad choices. Visit megaphone.fm/adchoices

Liz Davidson shares her journey growing up with entrepreneurial parents and the lessons she learned from their experiences. She discusses her current business, which provides workplace financial coaching as an employee benefit. Liz emphasizes the importance of financial security and how it can positively impact an individual's overall well-being. She also talks about the value of her company's benefit and how it is appreciated by employees. The coaching helps employees become more financially secure, which in turn improves their confidence, productivity, and overall quality of life. Financial planners at Financial Finesse are full-time certified financial planners with at least 10 years of experience. They come at things from a coaching perspective, empowering and enabling clients to make the best possible decisions. The focus is on developing skills that allow clients to make better day-to-day decisions about their money. Financial Finesse works compatibly with financial advisors and helps employees understand the questions to ask when considering financial products and services. They also provide resources for employees in different life stages and financial situations. Takeaways Growing up with entrepreneurial parents can have a significant impact on a person's mindset and approach to business. Financial coaching as an employee benefit can greatly improve employees' financial well-being and overall quality of life. Financial security enables individuals to have more freedom, choice, and peace of mind. Providing employees with resources to improve their financial situation can lead to increased employee satisfaction and productivity. Financial coaching can have a positive ripple effect on various aspects of an individual's life, including physical and mental health. Financial Finesse differentiates from financial planners by taking a coaching perspective and empowering clients to make their own decisions. Financial Finesse works compatibly with financial advisors and helps employees understand the questions to ask when considering financial products and services. Financial Finesse provides resources for employees in different life stages and financial situations. Developing a financial identity and aligning financial behaviors with that identity can make managing money more automatic. Automating bill pay, investing, and saving can help reduce decision fatigue and make financial management easier. Financial success is a journey with setbacks, but with the right mindset and recovery from setbacks, anyone can win the money game. Liz Davidson has been widely recognized as the pioneer of workplace financial wellness. In 1999, she established an unbiased financial wellness company with the mission of helping employees from all walks of life to reduce their financial stress, gain the confidence needed to make informed decisions and ultimately seek out financial advice to grow and protect the wealth they've accumulated. Today, Financial Finesse is the largest independent provider of financial coaching as an employee benefit, providing financial wellness programs to millions of Americans throughout the country. Liz holds an MBA from the Anderson School at UCLA.  Get in Touch With Liz:   Social media and website information: www.financialfinesse.com X: @Fin_Finesse Instagram: @thefinancialfinesse LinkedIn: Financial Finesse Book Recommendations: “Conversational Capacity: The Secret to Building Successful Teams That Perform When the Pressure is On” by Craig Weber                                                          “Switch: How to Change Things When Change Is Hard” by Dan Heath, Chip Heath         “Mindset: The New Psychology of Success” by Carol S. Dweck                                                       “The Big Short” by Michael Lewis                                                         “My Sister's Keeper” by Jodi Picoult Podcasts:    Your Money Minute, CNBC Stacking Benjamins Show, Joe Saul-Sehy & OG Everyone's Talkin' Money, Shannah Game

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2839: Cynthia Meyer draws insights from philosophers like Henry David Thoreau to highlight the importance of mindful financial decisions. By tracking expenses and challenging unnecessary spending, she illustrates how adopting a simple and intentional approach can lead to greater financial independence and fulfillment. Read along with the original article(s) here: https://www.financialfinesse.com/2016/03/14/9487/ Quotes to ponder: "And you may ask yourself, Well - How did I get here?" "Most end up living their lives on desperate terms to meet someone else's obligations, instead of by their own design." "Take control of your financial life and start making the decisions today that will enable you to do what you want to do in the future." Episode references: Walden: https://www.amazon.com/Walden-Woods-Henry-David-Thoreau/dp/0785822224 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3265: Scott Spann highlights the importance of starting early with retirement savings and the benefits of gradual increases through strategies like automatic contribution rate escalation. He uses Sharon's story to demonstrate how small, consistent efforts can lead to significant financial security and flexibility later in life. Read along with the original article(s) here: https://www.financialfinesse.com/2015/01/26/can-you-really-save-more-tomorrow/ Quotes to ponder: "It is just too easy to convince ourselves that we can save more tomorrow when we have a better job, when we pay off those loans, or when those other life challenges disappear." "Sharon's secret to success over the past two decades was to put any salary increases into savings without giving herself a chance to spend it." "It may be tough to go from saving 5% to 15% in one move, but going from 5% to 6% is quite painless, especially if the increase can be timed to coincide with an annual raise." Episode references: Nudge: Improving Decisions About Health, Wealth, and Happiness: https://www.amazon.com/Nudge-Improving-Decisions-Health-Happiness/dp/014311526X Employee Benefit Research Institute: https://www.ebri.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2799: Michael Smith of FinancialFinesse.com debunks four common myths about retirement, emphasizing the continued relevance of Social Security, the insufficiency of relying solely on Social Security, the manageable cost of medical insurance premiums, and the feasibility of achieving retirement with consistent savings efforts. His insights encourage proactive financial planning to secure a comfortable retirement. Read along with the original article(s) here: https://www.financialfinesse.com/2015/09/18/four-retirement-myths-im-hearing/ Quotes to ponder: "Social Security should still be a piece of your retirement foundation. Don't discount the importance of Social Security." "Most of us will need a part time job, distributions from our retirement plans or withdrawals from our savings and investment accounts, combined with Social Security, to live the lifestyle that we want." "Retirement is possible for everyone. It just requires some effort." Episode references: Healthcare.gov: https://www.healthcare.gov Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2232: Erik Carter outlines key priorities for managing personal finances, emphasizing the importance of establishing an emergency fund first, taking advantage of employer retirement matches, and paying off high-interest debt. He offers a clear roadmap to balance saving, investing, and debt repayment for optimal financial health. Read along with the original article(s) here: https://www.financialfinesse.com/2013/06/06/what-comes-first-saving-investing-or-paying-off-debt/ Quotes to ponder: "Building an emergency fund should be your first priority but how much is enough? Experts suggest having anywhere from at least $1k to 3-12 months of necessary expenses." "If you get a match in your employer's retirement plan, this should be your next priority. Otherwise, you're leaving free money on the table." "Credit card rates are typically much higher than any investment returns, so pay them off before investing, starting with the highest interest balances." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2232: Erik Carter outlines key priorities for managing personal finances, emphasizing the importance of establishing an emergency fund first, taking advantage of employer retirement matches, and paying off high-interest debt. He offers a clear roadmap to balance saving, investing, and debt repayment for optimal financial health. Read along with the original article(s) here: https://www.financialfinesse.com/2013/06/06/what-comes-first-saving-investing-or-paying-off-debt/ Quotes to ponder: "Building an emergency fund should be your first priority but how much is enough? Experts suggest having anywhere from at least $1k to 3-12 months of necessary expenses." "If you get a match in your employer's retirement plan, this should be your next priority. Otherwise, you're leaving free money on the table." "Credit card rates are typically much higher than any investment returns, so pay them off before investing, starting with the highest interest balances." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2767: Discover a little-known strategy for maximizing your Health Savings Account (HSA) with insights from Rynda Chappell-Wilk. Learn how to accumulate a substantial tax-free balance over the years and use it strategically during retirement to avoid higher taxes and preserve your other investments. Read along with the original article(s) here: https://www.financialfinesse.com/2017/10/17/the-health-savings-account-strategy-that-not-enough-people-are-talking-about/ Quotes to ponder: "Qualified HSA withdrawals do not have to be taken in the year in which the expense was incurred." "If you max out your HSA over a period of many years, you can build up quite a nice balance of tax-free money." "Assuming you can afford to pay your medical expenses out of pocket before you retire, accumulating funds in an HSA account can be a great option to consider!" Episode references: Affordable Care Act (ACA): https://www.healthcare.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2726: Erik Carter of FinancialFinesse.com explains often overlooked aspects of financial planning, beyond the basics of debt, savings, and retirement. He highlights critical but commonly neglected areas such as life insurance, investment diversification, umbrella liability insurance, long-term care insurance, and estate planning, illustrating how being proactive in these areas can safeguard your financial future. Read along with the original article(s) here: https://www.financialfinesse.com/2013/02/21/whats-probably-missing-from-your-financial-plan/ Quotes to ponder: "Too often, people just have whatever their employer provides to them, which is usually equal to their salary. The bad news is that if you need to provide income to dependents, this won't be enough." "One of the biggest investment mistakes I see is having too much in company stock." "Just as we don't like to think about death, we don't like to think about having to spend time in a nursing home someday. But if we live until age 65, the odds are more likely than not of needing long-term care at some point in our lives." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2558: Explore the intersection of pop music and financial advice with Michael Smith's witty commentary in "Don't Take Financial Advice From Pop Music." As Smith dissects a hit song's carefree lyrics, he presents practical tips on making sound financial decisions. This episode offers not just laughs but also valuable strategies for planning, commitment, and simplifying daily financial choices. Read along with the original article(s) here: https://www.financialfinesse.com/2015/02/27/dont-take-financial-advice-from-pop-music/ Quotes to ponder: "When I dance, people think I'm either having a seizure or in some sort of pain." "Plan tomorrow's day before you go to bed tonight." Episode references: Entrepreneur Article on Decision Making: https://www.entrepreneur.com/topic/decision-making Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2691: Mark Dennis of FinancialFinesse.com sheds light on the complexities of borrowing from your 401(k). He outlines the seductive ease of tapping into retirement savings for immediate financial needs but cautions against the long-term repercussions such actions may have on one's financial health and retirement planning. Dennis meticulously explores the benefits and pitfalls, emphasizing smarter alternatives to safeguard one's financial future. Read along with the original article(s) here: https://www.financialfinesse.com/2017/10/23/is-it-ever-ok-to-borrow-from-your-401k/ Quotes to ponder: "Plundering our retirement piggy banks can be tempting when a financial emergency arises, but this type of short-term fix may have some long-term consequences that are more expensive than we realize." "Once you dip into your retirement stash and use it to relieve some type of financial pain, you can begin to slide down a slippery financial behavior slope." "Bottom line: make sure you have carefully considered all other alternatives before you undo much of the hard work you have already invested in growing your retirement nest egg." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2655: Erik Carter of FinancialFinesse.com illuminates the often-overlooked conflicts of interest in the financial planning industry, drawing from his extensive career to explore how financial incentives can shape advice. He advocates for unbiased financial guidance, suggesting options like employer-provided financial education or independent advisors who charge flat or hourly fees, to ensure that financial advice serves the client's best interests, not the advisor's financial gain. Read along with the original article(s) here: https://www.financialfinesse.com/2012/01/19/3317/ Quotes to ponder: "It is difficult to get a man to understand something when his salary depends upon his not understanding it." "Unfortunately, they have a conflict of interest. This is the main issue that I have with most of the 700,000 people who call themselves financial advisors." "The way they are compensated means that most of us will never have access to unconflicted financial advice." Episode references: Let's Make a Plan: https://www.letsmakeaplan.org/ EconoMe Conference YouTube Channel: https://www.youtube.com/channel/UCaZHcGgBO42McWZPaSIJhYw Hello Nectarine: https://hellonectarine.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices