Podcasts about Financial plan

Send us Fan MailThe best financial plans start with who you are and the life you want to live.On this episode of The Get Ready Money Podcast, I spoke with Mike Milligan, CFP and author of The One of a Kind Financial Plan Book about how to build a personalized financial plan and retirement strategy that aligns your money, values, and relationships with the life you want to live.Takeaways

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Turning 65 opens a new season of life—and with it comes some of the most important financial and healthcare decisions you'll ever make. In this episode of Finishing Well, Certified Financial Planner Hans Scheil and co-host Robbie Dilmore continue their Financial Plan Series by exploring Medicare, IRMAA (Income-Related Monthly Adjustment Amount), and how these choices fit into a comprehensive retirement strategy. Hans walks through the key Medicare decisions every retiree faces, including the differences between Original Medicare and Medicare Advantage plans, the importance of Medicare Supplement coverage, and why your initial enrollment period can create opportunities that may never come again. Using the real-life financial planning case of Tom and Susan, listeners will learn how Medicare decisions affect healthcare costs, retirement income planning, tax strategies, and long-term financial security. The discussion also covers Medicare Part D prescription drug plans, common enrollment mistakes, and strategies for managing or potentially reducing costly IRMAA surcharges. Through personal experiences and practical examples, Hans and Robbie highlight how choosing the right Medicare coverage can protect both your health and your retirement savings. Whether you're approaching age 65, already enrolled in Medicare, or helping a loved one navigate retirement healthcare decisions, this episode provides valuable insights to help you make informed choices and avoid costly mistakes. Topics Covered: Original Medicare vs. Medicare Advantage Medicare Supplement (Plan G) coverage Open enrollment opportunities and deadlines Medicare Part D prescription drug plans Understanding IRMAA and Medicare premiums Healthcare planning as part of a complete retirement strategy Real-world retirement planning case study Learn how thoughtful Medicare planning can help you finish well in retirement.

Most people think they have a financial plan. But when you ask what that plan actually is, the answer is usually: "Some mutual funds, ETFs, a broker… and hopefully retirement works out." That is not a financial plan. Today, on Financial Detox, Jason and Alex break down the massive difference between simply owning investments and having a true, interactive financial plan designed around your life, taxes, spending, goals, and long-term decision-making. You'll see how real planning works: Modeling lifetime income and spending Stress testing for volatility and inflation Analyzing taxes and future cash flow Testing retirement scenarios in real time Creating clarity around what you can actually afford The goal is not just portfolio growth. The goal is freedom, confidence, and the ability to make decisions without fear. What we cover in this episode:

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Don and Tom tackle some of the most common retirement planning mistakes, with a particular focus on taxes and the danger of becoming overly obsessed with them. They discuss taxable Social Security benefits, the importance of diversifying across account types, Roth conversion considerations, tax-loss harvesting, and why most retirement decisions ultimately fall into the category of “it depends.” They also answer a listener question about navigating poor 403(b) plan options and the advantages of a 457 plan for educators. Finally, they dive deep into a thoughtful challenge from a listener regarding Avantis and Dimensional factor funds versus traditional Vanguard index funds, examining the evidence for factor tilts, the role of risk premiums, costs, and whether higher expected returns justify modestly higher expense ratios.0:05 Retirement planning mistakes, taxes, retirement income, financial independence, retirement readiness1:58 Tax obsession, retirement taxes, income planning, financial priorities, wealth management2:43 Social Security taxation, taxable benefits, retirement income, Social Security myths, tax planning5:14 Tax diversification, traditional 401(k), Roth accounts, brokerage accounts, retirement savings7:57 Roth IRA, young investors, compound growth, retirement investing, tax-free income9:11 Tax-loss harvesting, brokerage accounts, capital gains, tax strategy, investment management10:03 Roth conversions, Medicare IRMAA, retirement taxes, financial planning, tax efficiency12:03 Inherited IRAs, heirs, estate planning, retirement accounts, legacy planning13:35 403(b) plans, 457 plans, retirement savings, school employees, listener question15:29 403(b) Wise, 457B Wiser, educator retirement plans, high fees, retirement options18:35 Roth IRA investing, small-cap funds, emerging markets, diversification, asset allocation19:38 Avantis funds, Dimensional funds, Vanguard funds, factor investing, index investing23:55 Fama-French research, small-value premium, indexing, active management, factor premiums26:08 Rules-based investing, passive investing, factor tilts, portfolio construction, diversification27:02 Small-cap value investing, fund performance, index comparisons, advisor value, investment returns30:25 International small value, emerging markets, factor premiums, diversification, expected returns32:55 Academic investing research, Nobel Prize economics, risk premiums, value investing, factor investing35:18 Portfolio construction, asset allocation, diversification, retirement planning, investment strategy36:16 Free portfolio review, financial advice, portfolio allocation, retirement readiness, fiduciary planningQuestions? Comments? Click!

Inflation has dominated headlines lately; Peg Webb discusses affordability pressure.

Hans and Robby are back again this week with a brand new episode! This week is part 2 of 8 in our retirement financial planning series, covering social security. Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

Are Trump Accounts a good idea — or just another financial product being sold as a plan? In this episode, Curtis May breaks down Trump Accounts from a Practical Wealth and principle-based planning perspective. These accounts may help children begin saving and investing, and eligible children may receive a one-time $1,000 government contribution. But Curtis explains why one account does not replace cash flow control, liquidity, protection, and a real family financial system. The real question is not, "Should I open a Trump Account?" The better question is: Do I have a financial system that gives my family control? At Practical Wealth, we help families and business owners find money they are losing unknowingly and unnecessarily, then redirect that money toward cash flow, protection, liquidity, private reserve building, and legacy. Visit: PracticalWealth.net Book a Financial Freedom Session or strategy call to start building a financial system that gives you more control. 00:00 — Introduction: Why Curtis is talking about Trump Accounts 00:35 — Initial reaction: The government does not create wealth 01:10 — Trump Accounts: Good idea, but not a complete financial plan 01:45 — What Trump Accounts are and who may qualify 02:45 — Why an account is not the same as a strategy 03:35 — Statement wealth vs. real financial control 04:30 — The missing conversation: cash flow 05:20 — Where Trump Accounts may fit in a family plan 06:10 — Questions families should ask first 07:00 — Positive monthly cash flow and emergency liquidity 07:50 — Proper life insurance protection 08:30 — Wealth transfers: Where your money is leaking 09:45 — Mortgage, taxes, retirement plans, insurance, college, and major purchases 11:00 — Why you finance everything you buy 12:00 — Find the money you are losing unknowingly and unnecessarily 12:45 — Building a private reserve and becoming your own banker 13:45 — The goal is not more accounts — it is more control 14:30 — Final takeaway: Trump Accounts can help, but they do not replace a financial system 15:15 — Practical Wealth call to action

❓ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Have a money question? Ask Ramsey is here to help.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

From why companies are staying private longer to whether most IPOs live up to the hype, Peter and Charlie answer four key questions to help guide how you think about investing in IPOs. 

This episode of Retire With Style explores the non-financial aspects of retirement, focusing on how retirees can build purpose, identity, and fulfillment beyond just having enough money. Wade Pfau, Alex Murguia, and guest Jason Rizkallah discuss the importance of “retiring to something, not from something,” emphasizing that retirement planning should begin with envisioning the life you want before determining the financial resources needed to support it. The conversation covers common retirement misconceptions, the emotional transition away from work-based identity, the risks of isolation and lack of purpose, and the value of testing retirement goals before fully committing to them. They also explore phased retirement, evolving relationships, and how work can still play a meaningful role in retirement for those who genuinely enjoy it. Listen now to learn more! Takeaways Retirement planning should start with defining the life you want to live, not just calculating numbers and investment returns. A healthier retirement mindset is to retire to something meaningful rather than simply escaping a job you dislike. Many people discover that goals they postponed for decades are not actually priorities once retirement arrives. Testing retirement activities before fully committing, such as renting an RV before buying one, can help avoid costly mistakes and disappointment. Work often provides structure, identity, relationships, and purpose, all of which can feel suddenly absent in retirement. Retirement can create emotional challenges like isolation, inertia, or depression if retirees lack meaningful goals or social engagement. Many couples choose to retire around the same time regardless of age differences, creating new relationship dynamics that require communication and planning. Over 40% of retirees leave work earlier than expected due to health issues, caregiving responsibilities, or job loss, making early planning especially important. Some retirees continue working in a limited or consulting capacity because they genuinely enjoy their profession and value staying engaged. Financial plans work best when investments are designed to support a clearly defined retirement lifestyle rather than determining the lifestyle afterward. Chapters 03:20 Understanding Purpose and Passion in Retirement 05:03 Transitioning Mindsets: Retiring To Something 08:10 The Importance of Finding Your Passion 11:02 Exploring Hobbies and Interests 13:29 Real-Life Examples of Retirement Aspirations 16:20 Coping with Unmet Expectations in Retirement 18:42 Trial Runs: Testing Retirement Activities 20:16 Exploring Retirement Activities 23:04 The Impact of Work Identity on Retirement 27:32 Navigating Relationships in Retirement 32:34 The Shift in Retirement Mindset 36:20 Phased Retirement and Continuing Work   Links 

Send us Fan MailWith the right financial plan and clear intention, your goals become achievable, not abstract.On this episode, I speak with Dr. Severine Bryan, Accredited Financial Counselor and host of The Dr. Sev Talks Money Podcast about how our money story shapes our decisions, how to process financial setbacks without shame, and why community, clarity, and a plan can help turn goals into reality.Key Takeaways:

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Hans and Robby are back again this week with a brand new episode! This week begins the first in a series of 8 episodes on retirement financial planning. Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew tackle the real reason most financial plans fall apart — and it's not the strategy. It's everything that happens after.  Drawing on real client stories, including a $15,000 mistake made by going it alone, they break down the six most common reasons people abandon their financial plan within the first 12 months and, more importantly, what to do about it. If you've ever started strong and quietly let a financial plan fade out, this episode will show you exactly where it went wrong. - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706 Episode Highlights Why complexity kills momentum before it even starts The danger of having no clear first step and how to fix it Why implementation support is worth more than the strategy itself  How your own behaviour is a bigger threat to your wealth than any market downturn Why trying to be perfect and timing the market is a plan to fail The power of anchoring your financial plan to a personal goal — your real "North Star" How accountability is the missing ingredient most people overlook   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

There is a retirement risk that not many people think about & it could quietly derail your retirement plan. Learn what it is & how to mitigate against it in this episode.

In this episode, Dr. Peter Kim gets personal about something most physicians never see coming until they're already in it: the financial and emotional cost of watching your parents age. You'll hear why liquidity, passive income, and even the trips you keep putting off matter far more than most financial plans account for. If you've ever felt the weight of being the most capable person in your family, this one is worth your time. Tune in! Interested in Momentum MD? Know more by clicking here. Are you looking for a community to encourage you as you begin, or want to accelerate your business to the next level? Then join thousands of physicians who share the same journey of creating their ideal lives through multiple streams of income by joining us in our Facebook communities such as Passive Income Docs and Passive Income MD.

This re-listen Suze School episode has two very important lessons, starting with why one of the biggest mistakes you can make is basing financial decisions on friendship. Then, Suze explains the correct way to do tax-loss harvesting. Learn more about the Ultimate Scam Protection program and sign up for Part II of the webinar here: SuzeOrman.com Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbHCLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Most financial plans get built once, put in a drawer, and rarely used again.   But real financial planning should actively help guide decisions throughout retirement.   In this episode, Tyler Emrick, CFA, CFP® walks through three practical ways your financial plan should actually be helping you right now: investment decisions, spending decisions, and income & distribution planning.   We discuss: How to understand your true household allocation and risk exposure Why many retirees naturally drift into an “all cash, all stocks” portfolio Asset location and using different accounts efficiently Required portfolio return and bear market testing Dynamic spending throughout retirement How strong markets can impact spending and gifting decisions Roth conversions, IRA distributions, capital gains, and tax planning Why retirement income planning is much bigger than simply withdrawing money from accounts As retirement gets closer, every financial decision starts affecting the next one. The goal of a financial plan should not simply be to exist — it should help families make better decisions over time.   Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth

FREE RESOURCE:  Check out the group health calculator! https://www.michelleperis.com/lm-group-program-calculator-opt-in FREE RESOURCE: Check out the Collective Creator Academy: https://michelle-peris.mykajabi.com/cca-evergreen In this episode of the Wild Medicine Podcast, Dr. Tara shares her insights on financial management for new entrepreneurs, particularly in the field of naturopathic medicine.  She discusses the importance of financial organization, tax planning, understanding different financial accounts, managing student loans, and the power of investing and compounding interest.  Dr. Tara emphasizes the need for a solid financial plan and encourages listeners to explore additional income streams while fostering financial literacy.  The episode concludes with a message of empowerment and the importance of understanding one's financial situation.   Takeaways I wish I knew more about money as a new entrepreneur. Finding an accountant familiar with entrepreneurs is crucial. Separate bank accounts make tracking finances easier. Save for your taxes right off the bat. Education credits can help reduce your tax burden. Have a plan for paying off student loans. Compounding works both ways, for debt and investments. Understanding your numbers is empowering. Explore other sources of income as an entrepreneur. It's never been easier to get started with finances.   Chapters 00:00 Introduction to Entrepreneurial Finances 04:09 The Importance of Financial Organization 07:08 Tax Responsibilities and Planning 10:03 Understanding Financial Accounts 14:05 Managing Student Loans 17:05 Investing and Compounding Interest 19:38 Creating a Financial Plan 22:35 Exploring Additional Income Streams 25:17 The Power of Financial Literacy 29:51 Conclusion and Encouragement   Stay Wild. Connect with Dr. Michelle on INSTAGRAM Connect with Dr. Tara on INSTAGRAM This episode is brought to you by: www.MichellePeris.com Ready to reclaim your Wild? JOIN THE WAITLIST Learn more about The Poppy Clinic: www.poppyclinic.com Is Naturopathic Medicine for you: LEARN MORE HERE Take our HORMONE QUIZ Are you a clinician looking for more impact? START HERE

How should your financial plan evolve as you age? The Financial Order of Operations shows you what to do with your next dollar, but life insurance, estate planning, and tax strategy require a deeper framework. Financial Advisors, Brian Preston and Bo Hanson, walk through the six core areas of financial planning and reveal what to prioritize in your 20s, 30s, 40s, 50s, and beyond to build lasting wealth in 2026. This episode covers estate planning, budgeting, tax planning, and risk management across every decade of your wealth-building journey. ⁠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

Your numbers don't have to feel overwhelming or confusing. JobTread founder Eric Fortenberry breaks down a practical 3 step financial framework remodelers can actually use to build a healthier, more profitable business. From forecasting revenue and tracking KPIs to understanding hiring, marketing spend, and cash flow, this conversation is packed with actionable ways to move from reacting to your business… to finally leading it with clarity and confidence.JobTread helps remodelers bring estimating, scheduling, job costing, and invoicing into one connected system, so they can clearly see where jobs stand and what's actually profitable. We've watched members move from guessing to confidently knowing their numbers, which leads to better pricing, planning, and leadership. If you're ready for better systems and better decisions, learn more at jobtread.com.Explore the vast array of tools, training courses, a podcast, and a supportive community of over 2,000 remodelers. Visit Remodelersontherise.com today and take your remodeling business to new heights!Key TakeawaysStrategic Financial MindsetConfidence in ProfitabilityLead Quality and Revenue PredictabilityGross Profit MarginsOverhead and Payroll ManagementDynamic Financial PlanningChapters00:00 Introduction to Financial Management04:30 The Importance of Annual Budgeting07:33 Understanding Budget Components10:27 Creating a Financial Model13:13 Forecasting Revenue and Sales Funnel16:16 Marketing Strategies for Lead Generation23:33 Customer Acquisition Cost and Marketing Efficiency27:29 Building a Revenue Model30:19 Tracking Revenue and Referrals31:45 Understanding Cost of Goods Sold33:43 Gross Profit and Budgeting35:35 Managing Overhead and Payroll40:57 Hiring and Team Management45:36 Controlling Cash Flow and Avoiding Overhiring48:31 Net Profit and Financial Health52:21 Key Performance Indicators and Continuous Improvement58:27 The All-in-One Solution for Remodelers59:17 Introduction to the Remodelers on the Rise Show

Most people think a financial plan is a set of projections… a retirement number… or a long report that tells you whether you're going to be okay. In reality, many of those plans end up as 60–90 page documents that sit on a shelf and rarely get used. But a real financial plan should do a lot more than that. In this episode, we walk through what a financial plan should actually do, especially for pre-retirees and retirees making important decisions around retirement, taxes, income, and long term planning. We cover: What most financial plans focus on and where they fall short How a real plan connects taxes, income, investments, healthcare, and estate planning Why spending and life transitions are critical to building a plan that actually works How a financial plan becomes a decision making tool, not just a report A real example of how planning helps navigate an unexpected life change Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth

In financial planning, we often talk about "the numbers," but behind every projection lies a set of assumptions. Whether it's an estimated rate of return, a projected inflation figure, or even how long you expect to live, these inputs are the foundation of your entire strategy. But what happens when you pull on a single thread?This week on Check Your Balances, we dive into the sensitivity of financial plans. We discuss how making an assumption that feels conservative in one way can have completely unintended consequences, and vice versa. In a world where more people are turning to AI to ask their financial questions - can the wrong assumptions have a major impact for you?Send us Fan MailSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

You've likely heard that gold is an inflation hedge. Peter and Charlie unpack that narrative and the nuanced reality behind the metal's role in a portfolio.

If your portfolio includes real estate, a business interest, or private equity, you already know these assets don't behave like stocks and bonds. But are they truly working within your broader financial plan? In today's episode of Purposeful Planning, we'll talk through the strategies and best practices for managing illiquid assets as part of a balanced, diversified financial picture, including how to think about liquidity, tax planning, estate planning, and long-term wealth building. Sources: https://www.aspenwealthmgmt.com/resource-center/investment/managing-illiquid-assets https://www.aspenwealthmgmt.com/resource-center/investment/alternative-investments-more-than-stocks-and-bonds https://www.aspenwealthmgmt.com/financial-planning https://www.aspenwealthmgmt.com/investment-management https://www.aspenwealthmgmt.com/tax-planning https://www.aspenwealthmgmt.com/estate-planning https://www.aspenwealthmgmt.com/resource-center/estate/gifting-strategies-without-hurting-retirement The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice. Aspen Wealth Management is a registered investment advisor with the SEC. Hosted on Acast. See acast.com/privacy for more information.

Send us Fan MailDivorce can flip your financial life overnight, especially if you were not the person paying the bills, tracking accounts, or managing investments. We sit down with Ryan Finley, CPA and Certified Divorce Financial Analyst, to map out what a real “ground zero” financial reset looks like and how to replace panic with a clear plan you can actually follow.We start with the basics that make everything else possible: gathering documents, building a marital balance sheet, and translating tax returns and pay stubs into a simple picture of income. Then we get practical about divorce budgeting by categorizing 12 to 24 months of bank and credit card activity so your monthly spending is based on facts, not memory. From there, we walk through the tough decisions that hit fast, like whether keeping the house helps your kids or quietly harms your future cash flow, and how child support or spousal support may fit into the math.Ryan also explains why equal looking assets can be wildly unequal after taxes, especially when dividing retirement accounts and investments with different cost basis and capital gains exposure. We dig into advanced issues that often show up in negotiations, including vesting bonus plans, forensic accounting, and tracing dissipation. The through line stays the same: build a plan that helps you feel steady now and capable later.If you want more clarity during divorce, subscribe for more family law and financial strategy conversations, share this with someone who needs it, and leave a review so more people can find the help.If you would like to speak with one of our attorneys, please call our office at (503) 227-0200, or visit our website at https://www.pacificcascadelegal.com.To learn more about how Ryan can help you or to learn more about Freedom Financial Services Group, you can view his website at: https://www.freedomfsg.com/ Disclaimer: Nothing in this communication is intended to provide legal advice nor does it constitute a client-attorney relationship, therefore you should not interpret the contents as such.

In this episode of the Gaining Interest Podcast, host John Ramsey welcomes renowned financial expert Jeffrey Levine, CPA/PFS, CFP®, CWS®, BFA®, MSA to discuss his unique journey from aspiring doctor to trusted financial advisor. Jeffrey shares insights into navigating complex tax laws amid political uncertainty and emphasizes the importance of clear, engaging communication in financial planning. They explore key elements of comprehensive planning, including risk tolerance and personalized client engagement, with Jeffrey advising advisors to act as clients' personal financial CFOs. Tune in for practical advice on building long-term client relationships and making informed financial decisions. For more resources, visit Jeffrey's website at fullyvestedadvice.com.

Most people don't actually have a financial plan, they have a scattered collection of accounts, insurance policies, and investments they've picked up over time. In this episode of A Wiser Retirement® Podcast, we break down what financial planning actually looks like behind the scenes, and why so many people are missing it entirely.Related Podcast Episodes: Ep 327. What Tax Planning Strategies Should You Implement for 2026?Ep 224. Living in the Moment While Planning for the FutureRelated Financial Education Videos:Financial Planning Tips to Thrive in Your 40sWhat is flat fee financial planning?Other Links:Our Financial Planning ProcessLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more!Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

From why you should own the haystack to why you shouldn't fear new market highs, Peter and Charlie discuss five key lessons from Peter's recently re-released book, Money, Simplified.

Overview: Tune into this week's episode of Launch Financial as we break down a strong week in the markets, with stocks continuing to surge amid growing investor optimism around the potential end of the Iran war. We're also keeping a close eye on key economic data, including the latest Producer Price Index report, along with fresh insights on the consumer coming from major bank earnings throughout the week. On the financial planning side, with Tax Day here, we discuss how to use your 2025 tax return as a planning tool, helping you fine-tune your strategy and realign your financial roadmap for the rest of the year. Show Notes:

Send us Fan MailIn this episode of The Wealth Vibe Show, host Vinki Loomba is joined by Mike Milligan, founder of Idea by Mike and One Oak Financial. Mike is a certified financial planner and accredited investment fiduciary with over 30 years of experience helping individuals and families design financial plans that align with their unique life goals. In this episode, Mike shares insights on why traditional financial plans often fail and how to create a plan that truly supports your life.Key Takeaways:Mike explains the difference between a typical investment plan and a comprehensive financial plan, emphasizing that a financial plan should focus on more than just investments.He discusses how many people mistakenly treat investment plans as their complete financial strategy, failing to account for the holistic needs.Mike also highlights the importance of working with financial professionals who truly understand your goals and help you build a financial plan that serves your specific needs.He shares his perspective on the importance of education and understanding financial products, stressing that the fees associated with financial planning.Episode Timestamps:00:00 - 02:00: Introduction to Mike Milligan02:00 - 07:00: Why many financial plans fail and how to build one that fits your unique life07:00 - 12:00: The difference between an investment plan and a comprehensive financial plan12:00 - 18:00: The importance of understanding why money is important to you before designing a financial plan18:00 - 22:00: The role of vision and purpose in a financial plan22:00 - 27:00: How to evaluate your current financial plan and make sure it aligns with your goals27:00 - 31:00: Understanding fees in the financial planning industry and the importance of transparency31:00 - 35:00: Rapid-fire round with Mike Milligan35:00 - 39:00: How to connect with Mike and learn more about One Oak Financial

Send us Fan MailTune in to listen to the full podcast!Support the showFollow us @https://twitter.com/loombainvesthttps://www.instagram.com/loombainvesthttps://www.facebook.com/Loombainvesthttps://www.linkedin.com/in/vinkiloomba#realestate #realstateinvesting #multifamilyinvesting #passiveinvesting

In this episode of the Income Flip Podcast, Laura Rehbein shares her 30-year journey in finance and breaks down why having a clear financial plan is critical for real estate investors and entrepreneurs. She explains how many people accumulate wealth through deals, businesses, and investments but lack a structured strategy to tie it all together. Laura emphasizes the difference between the accumulation phase—focused on growth and risk—and the transition into preservation and income, where priorities must shift to stability, tax efficiency, and sustainable cash flow. She highlights common mistakes, such as continuing to chase high-risk returns in retirement and failing to define a clear “number” for financial security. Through practical insights and real-world examples, Laura reinforces the importance of being intentional with money, creating a long-term plan, and ensuring that wealth not only grows but also supports a secure and stress-free future.

Receiving an inheritance can be life-changing—but without a clear plan, it can also lead to costly mistakes. Richard Rosso & Jonathan McCarty walk through the critical steps to take after inheriting money, from protecting the assets and understanding tax implications to building a long-term financial strategy. Key topics include: 0:00 - INTRO 0:19 - Smarties Candies & Holographic Tombstones 3:21 - Baby Boomers, Inheritances, & Great Wealth Transfer 5:31 - Planning for an Inheritance 8:03 - The Stress of Care-giving 12:59 - What to Do with the Money 15:38 - Tax Implications for Inheritance Money 18:44 - Funding the Financial Security Cushion 20:07 - Paying off Debt & Using Credit Cards Wisely 22:23 - Implementation of Financial Plan 25:12 - Fallacies w Inherited Stock 26:26 - Testamentary Trusts 30:40 - Movie Stars' Poor Estate Plans 31:40 Candid Coffee Teaser 33:22 - The Emotional Impact of Inheritance Money 35:11 - Elvis' Estate Plan 37:06 - Leaving Behind as Little as Possible 38:40 - Dealing with all the Schtuff 41:26 - Generational Financial Insecurity 42:45 - How We Grew Up vs Now 45:01 - Lithographs & Gunsmoke 46:38 - Pintos & Car Colors ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/PfgdqYStb70 ------- Watch our previous show, "US–Iran Deal: What Investors Must Watch Next," https://youtube.com/live/1GbqGflIK4A ------- The latest installment of our new feature, Before the Bell, "2Oil vs Markets: The Ceasefire Test" is here: https://youtu.be/ktGa-pbc3ps ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InheritancePlanning #WealthManagement #FinancialPlanning #EstatePlanning #Investing

Have You Outgrown Your DIY Financial Plan? An Evaluation Framework.Have you fallen prey to the “shadow tax of inaction”? Today we step through a three part framework to help listeners evaluate whether it may be time to hire a professional to elevate your financial life. Ultimately, hiring an advisor should remove complexity and capacity constraints while restoring confidence that you're doing the right thing.

We're back from Spring Break and we hope you had some time to rest! Financial Literacy Month is here and our ‘Money Masterclass' series of well-sought after financial educators and professionals are going to make you want to share them with all of your friends! This series opens with Patricia Kelly, University of California, Santa Cruz Lecturer, Speaker, and Financial Literacy Advocate, who is also the mastermind behind the popular course, COWL52 Personal Finance and Investing that is now available throughout the University of California system. From initially 30 students to now over 1,000 students enrolled, this former Wall Street Analyst shares the five pillars of finance and offers great tips from her course on how to start implementing them in your financial plan today. Don't miss the free financial templates and resources she offers as well. ⁠ Ms. Kelly completed her MBA at Harvard Business School in Boston, Massachusetts, and received her Bachelor of Arts in Economics at University of California, Santa Cruz. In 2019, prior to the pandemic, she received a grant from the Office of the President of the University of California to produce an online version for UC Systemwide. The course now reaches 1,000 students per term throughout the UC System. Ms. Kelly's professional career was spent in the financial industry, beginning as an investment banking analyst on Wall Street in the 1980s, to a partnership at a Palo Alto-based investment management firm responsible for managing $2.5 billion for institutional clients, including the Vanguard Equity Income Fund. She was a past President of the Harvard Business School Association of Northern California and is on the Harvard Business School Alumni Board. She also serves on the investment committee of the Community Foundation of Santa Cruz County. To learn more about Ms. Kelly and her work, visit her website at PatKelly.Sites.UCSC.edu or connect with her on LinkedIn.

What if the fastest way to grow your income wasn't adding more patients, more hours, or more complexity but simply uncovering what's already there? Dr. Pete and Dr. Stephen reveal that profit is not automatic in a growing practice, and in fact, it often erodes unless it's intentionally protected. They walk through seven hidden profit levers already inside most businesses, from undercharging and outdated pricing to inefficient financial models and underutilized capacity. The framework is simple but powerful: reclaim value, optimize what already exists, and align your business model with both purpose and profitability. The payoff is immediate and practical, giving CEOs the ability to find, capture, and multiply profit without starting from scratch. In This Episode You Will: Understand why profit is not a natural outcome of growth Learn how to identify hidden profit already inside your business See how pricing, financial plans, and volume directly impact profitability Discover how to optimize your current practice before expanding Clarify how to add value centers without creating confusion or dilution   Episode Highlights 02:09 - Discover the provocative idea that significant profit may already exist inside the business, waiting to be uncovered rather than created. 02:32 - Understand the distinction that growth is natural for a practice, but profit requires intentional protection and vigilance. 02:56 - Recognize that profitability is not passive and must be actively managed as complexity and expenses increase. 05:06 - Identify how failing to charge for services already being delivered creates immediate and unnecessary profit leakage. 05:42 - Examine how uncharged value quietly accumulates across systems, representing pure profit that is never captured. 10:15 - Explore how stagnant pricing in a rising-cost environment gradually erodes margins and weakens financial sustainability. 12:14 - Uncover how small pricing adjustments can disproportionately increase profit margins without changing delivery. 14:57 - Differentiate between care plans and financial plans, revealing how structure and payment design influence commitment and revenue. 18:13 - Reveal how monthly recurring revenue models dramatically increase both retention and lifetime value. 22:48 - Clarify that increasing volume through efficiency and effectiveness can unlock significant profit without adding overhead. 34:28 - Examine the critical distinction between owning a job and building a business, especially as teams and complexity grow. 40:00 - Dr. Kevin connects with Margaret Rosloniec from Success Partner Fortis to reveal how the right financial infrastructure fuels scalable, sustainable growth for modern practices. They break down how Fortis automates recurring revenue, stabilizes cash flow, and removes front-desk friction so teams stay focused on mission over money. When payments become seamless and reliable, growth stops being limited by systems and starts being driven by vision.   Resources Mentioned To learn more about the REM CEO Program, please visit:  http://www.theremarkablepractice.com/rem-ceo For more information about Fortis please visit: https://fortispay.com/chiropractic/ To book a meeting with Fortis, please visit:  https://hubs.ly/Q03FRwtC0    Book a Strategy Session with Dr. Pete - https://go.oncehub.com/PodcastPC Prefer to watch? Catch the podcast on YouTube at: https://www.youtube.com/@TheRemarkablePractice1 To listen to more episodes, visit https://theremarkablepractice.com/podcast or follow on your favorite podcast app.

10 Ways to Save on Your Taxes From maxing out your retirement accounts to working with a proactive tax planner, Peter and Charlie share 10 ways to potentially pay less in taxes.

Join your host Syama Bunten, as she talks with Abbe Large. Abbe built one of the most decorated careers in financial services — the only woman in MassMutual's history since 1851 to win both Freshman Five and Chairman's Club — but her road there started with nothing but grit. Growing up in a dysfunctional household, working her first job at 14, and putting herself through college while paying her own rent in New York City, Abbe learned early that if it was going to happen, it was up to her. Now, after more than three decades of helping families protect what matters most, Abbe brings something most advisors can't — a lived understanding of what it actually feels like to be on the other side of the table. She's not selling a script. She's sharing a life. This episode is packed with hard-won wisdom on financial planning, family legacy, raising money-smart kids, and why the spouse in the corner needs to be at the table. Key Topics: How early self-reliance can become your greatest professional asset Why finding the right culture and people to surround yourself with matters as much as the work itself How to talk about money at home — practical ways Abbe raised financially literate kids who now manage their own travel budgets and credit card points The critical estate planning mistake that cost one widow hundreds of thousands of dollars — and how to make sure it doesn't happen to your family Why listeners who have a spouse or partner need both people in the room during financial planning conversations — and what's at stake when they don't What the accumulation, distribution, and preservation phases of wealth actually look like — and why most people only think about one of them How to know if your existing financial plan is outdated, incomplete, or just plain wrong — and what to do about it   Connect with Abbe Large online:  Website: https://www.lenoxadvisors.com/ LinkedIn: https://www.linkedin.com/in/abbeflarge/  Email: alarge@lenoxadvisors.com   Find more from Syama Bunten:  Attend a Salon near you: wealthcatalyst.com/salons Instagram: https://www.instagram.com/syama.co/  Join Syama's Substack: https://thewealthcatalystwithsyama.substack.com/  Website: https://wealthcatalyst.com  Download Syama's Free Resources: https://wealthcatalyst.com/resources  Wealth Catalyst Summit: https://wealthcatalyst.com/summits  Speaking: https://syamabunten.com  Big Delta Capital: www.bigdeltacapital.com

Preston Gee CFP® and Jim Pilat CFP® of Peak Wealth walk through the 2026 Gee Financial Plan in this annual transparency episode. See how our advisors approach real life personal finances while working with clients every day. In this episode, Preston shares how he and his wife approach paying down debt building an emergency fund and thinking about risk tolerance as a young married couple. Simple practical strategies you can apply to your own financial plan. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

Your financial plan is only as good as what happens to it under pressure. A market drop. A job loss. An inflation spike that turns "fine" into "wait, what?" Most portfolios are quietly optimized for the good times, and that's exactly why they crack when things get uncomfortable. This week, Joe, Paula, Jesse, and special guest Paul Merriman aren't chasing the highest returns. They're building for something harder: a system that doesn't force bad decisions when everything around it is going sideways. Because the real test of your plan was never the bull market. It's right now. Paula Pant — Afford Anything host and career-flexibility advocate. Jesse Cramer — Host of Personal Finance for Long-Term Investors and someone who clearly plays the long game in more ways than one. Paul Merriman — Longtime investor, educator, and the person in the room who's seen enough market cycles to stop being impressed by any single one of them. On building a portfolio that doesn't quit: Why the "sports car" portfolio feels exciting and quietly raises the odds you'll blow up your plan at the exact wrong moment The real definition of all-weather investing: built for resilience, not bragging rights How diversification feels like it's failing right before it does exactly what it's supposed to do Why index funds have a built-in self-cleaning mechanism most investors never think about The behavioral trap of performance-chasing and how it causes permanent damage, not just temporary losses On the parts of your plan that aren't your portfolio: Why your investment strategy alone isn't a financial plan and how cash reserves, insurance, and income stability complete the system The often-skipped roles of disability and umbrella insurance in protecting everything you've built How to think about job-loss risk in a world reshaped by AI and shifting careers Why negotiation skills and career flexibility might matter more to your long-term security than picking the "right" fund On measuring success differently: A better scorecard for your financial plan: not just returns, but whether it survives the next storm without forcing a bad call If you're in your 40s, the math has changed. You've built real momentum, which means a major mistake costs more than it used to, and there's less runway to recover. Markets are unpredictable, job security looks different than it did a decade ago, and the financial media is a constant nudge toward reacting to something. An all-weather approach doesn't try to predict what's coming. It prepares for it. The goal shifts from winning every season to still being in the game when the weather turns, and that shift makes all the difference when things actually get hard. OG's chair is empty this week, but Paul Merriman is a more than worthy substitute, joining Joe, Paula, and Jesse to trade ideas on portfolios built to take a punch. Doug holds down the trivia desk, and let's just say the leaderboard gets an interesting update. Somewhere between market wisdom and basement bragging rights, the point lands: you don't need to win every season. You just need a plan that doesn't fall apart when the weather does. New to the basement? Subscribe so you never miss an episode, and leave a review if this one helped you stop optimizing for the wrong thing. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Your financial plan is only as good as what happens to it under pressure. A market drop. A job loss. An inflation spike that turns "fine" into "wait, what?" Most portfolios are quietly optimized for the good times, and that's exactly why they crack when things get uncomfortable. This week, Joe, Paula, Jesse, and special guest Paul Merriman aren't chasing the highest returns. They're building for something harder: a system that doesn't force bad decisions when everything around it is going sideways. Because the real test of your plan was never the bull market. It's right now. Paula Pant — Afford Anything host and career-flexibility advocate. Jesse Cramer — Host of Personal Finance for Long-Term Investors and someone who clearly plays the long game in more ways than one. Paul Merriman — Longtime investor, educator, and the person in the room who's seen enough market cycles to stop being impressed by any single one of them. On building a portfolio that doesn't quit: Why the "sports car" portfolio feels exciting and quietly raises the odds you'll blow up your plan at the exact wrong moment The real definition of all-weather investing: built for resilience, not bragging rights How diversification feels like it's failing right before it does exactly what it's supposed to do Why index funds have a built-in self-cleaning mechanism most investors never think about The behavioral trap of performance-chasing and how it causes permanent damage, not just temporary losses On the parts of your plan that aren't your portfolio: Why your investment strategy alone isn't a financial plan and how cash reserves, insurance, and income stability complete the system The often-skipped roles of disability and umbrella insurance in protecting everything you've built How to think about job-loss risk in a world reshaped by AI and shifting careers Why negotiation skills and career flexibility might matter more to your long-term security than picking the "right" fund On measuring success differently: A better scorecard for your financial plan: not just returns, but whether it survives the next storm without forcing a bad call If you're in your 40s, the math has changed. You've built real momentum, which means a major mistake costs more than it used to, and there's less runway to recover. Markets are unpredictable, job security looks different than it did a decade ago, and the financial media is a constant nudge toward reacting to something. An all-weather approach doesn't try to predict what's coming. It prepares for it. The goal shifts from winning every season to still being in the game when the weather turns, and that shift makes all the difference when things actually get hard. OG's chair is empty this week, but Paul Merriman is a more than worthy substitute, joining Joe, Paula, and Jesse to trade ideas on portfolios built to take a punch. Doug holds down the trivia desk, and let's just say the leaderboard gets an interesting update. Somewhere between market wisdom and basement bragging rights, the point lands: you don't need to win every season. You just need a plan that doesn't fall apart when the weather does. New to the basement? Subscribe so you never miss an episode, and leave a review if this one helped you stop optimizing for the wrong thing. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Fog of War With the U.S. involved in military conflict, Peter and Charlie discuss rising uncertainty — and what it could mean for oil, consumers, stocks, inflation, interest rates and Fed policy.

You might know the FOO (Financial Order of Operations ), but what does it look like in action? We walk through FOO-Following Freddie and his journey through each of the nine steps to building wealth. We know, though, that wealth-building isn't that easy. We then add some wrenches to the plan - from an accidental concert ticket purchase to buying a home to getting a raise. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠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. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you a high earner in your 30s or 40s with a growing net worth — but somehow still feel financially stuck? You might be caught in the "boring middle" — a phase where your wealth is locked in home equity and retirement accounts, leaving you cash-poor, inflexible, and far from the financial freedom you've been working toward. In this episode of the BiggerPockets Money podcast, Scott Trench and Mindy Jensen sit down with CFP David Jackson of  Domain Money to break down the middle-class trap and reveal why the conventional advice to max out your 401(k) may actually be slowing your path to financial independence. David shares three powerful strategic options for DEWK households (dual-income, employed, with kids) to build liquidity, optionality, and tax efficiency — without sacrificing long-term growth. You'll learn the Liquidity First Optionality Framework (LaFaF), how to think about diversifying across Roth, pre-tax, and brokerage accounts, and why psychological freedom matters just as much as portfolio size. Whether you're chasing FIRE, reassessing your retirement strategy, or simply tired of feeling trapped by your own financial success — this episode is your blueprint. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney  Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney Interested in learning more Domain Money and working with David Jackson? Visit: https://biggerpocketsmoney.com/cfp/ Early Retirement Group, LLC (“BiggerPockets Money”), is acting as a promoter for Domain Money Advisors, LLC (“Domain”) and receives a flat fee for each client who enrolls in or purchases the promoted services. In addition to the compensation provided to Bigger Pockets Money, Scott Trench is a current client of Domain and received non-cash compensation related to his promotional activity. This compensation creates a conflict of interest because the promoter has a financial incentive to recommend the service. Clients should independently evaluate whether the service is appropriate for their needs. Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Today we're bringing you a special edition of the podcast focused on the state of the U.S. economy and what it means for your money right now.Mosheh is joined by Nicole Lapin, host of the Money Rehab podcast and creator of the Money News Network and Private Wealth Collective, to unpack big-picture economic topics: the affordability crisis, whether we're in an AI bubble, credit card debt strategies, tariffs and inflation, and what the Fed's next moves could mean for borrowers and savers alike.Nicole also answers some of your biggest financial questions: Trump accounts and 529 plans, long-term planning strategies, renting versus buying, and raising financially responsible kids.We incorporate a number of your questions from the Mo News Premium community. For more conversations like this one, join today at mo.news/premium.