Podcasts about financial planning

Right now there's a wave building in our industry, and most advisors are standing on the beach pretending it isn't there.AI isn't coming. It's here. And the gap between the advisors who lean into it and the ones who keep waiting is about to get a lot wider.In this episode, I sit down with Michael Hyatt — New York Times bestselling author, longtime entrepreneur, and someone who's quietly built an entire team of AI agents running inside his own business.We get into the tension every financial advisor is thinking about: privacy, client data, compliance, technical knowledge, and where AI actually fits in a relationship-driven business.Michael also explains where this is all headed, and why the biggest opportunity may not be replacing human work, but creating more space for the work only humans can do.If you've been telling yourself you'll figure AI out later, or that it doesn't really apply to a business like ours, this conversation might change your mind about how much time you actually have.3 Insights From This Week's Episode…#1.) The Story That's Quietly Costing Advisors Their FutureWhen AI comes up, a lot of smart, successful advisors check out. They decide it's too technical, too risky, or too late to start. Michael explains why that reaction has nothing to do with age or ability, and everything to do with something far more dangerous.#2.) The Client Data Objection Everyone Hides Behind"I deal with people's finances, so AI doesn't apply to me." It's the most common wall advisors put up, and on the surface it sounds responsible. We dig into why that thinking is more outdated than you'd expect, and what hiding behind it might be costing you.#3.) The New Advantage in a Relationship Business Financial advice is built on trust, presence, and human connection. We explore why AI may actually increase the value of great advisors by helping them show up more prepared, more focused, and more available for the work only humans can do.SHOW NOTEShttps://bradleyjohnson.com/173FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Are today’s low tax rates creating an opportunity—or a future challenge? This episode with Matt Deaton explores Roth conversions and why relying solely on projections and assumptions can lead to flawed decisions. The discussion focuses on understanding current versus future tax rates, how income sources shape your tax picture, and why every strategy needs to be personalized. You’ll also hear how taxes, income planning, and long-term projections work together, along with the role of consistency and discipline in navigating the ups and downs of retirement planning. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In the Season 8 finale of More Than The Bag, I discussed a powerful principle that many believers overlook: before God releases increase, He often develops our capacity to manage it.This episode focused on biblical financial stewardship, tithing, planning, faithfulness, and counting the cost. I shared how honoring God with what He has already entrusted to us positions us for greater opportunities, greater influence, and greater Kingdom impact.Whether you're believing God for financial increase, business growth, a new opportunity, or simply greater responsibility, stewardship matters. God is looking for faithful stewards who can be trusted with more.Scriptures Referenced:• Proverbs 21:5 NLT – Planning Leads to Prosperity• Proverbs 3:9-10 NLT – Honor God with the First and Best• Luke 16:10-11 NLT – Faithfulness Matters• Matthew 25:21 NLT – Multiply What God Gives You• Luke 14:28-30 NLT – Count the Cost• Malachi 3:10 NLT – The Principle of TithingThank you for joining me throughout Season 8. I pray this episode challenged, encouraged, and equipped you to increase your capacity for all that God desires to place in your hands.Stay Anchored™Connect with Dr. Kerrie Carter-Walker

When should you actually claim Social Security—and what could that decision mean for your retirement income? In this episode, Brandon Bowen explores the timing choices retirees face and why many claim earlier than expected. He discusses common concerns about potential changes to the system, key factors like retirement timing and income needs, and how different filing options—such as spousal and survivor benefits—can impact the bigger picture. The conversation also highlights common pitfalls, including scams and misunderstood rules, while emphasizing how Social Security fits into a broader income strategy. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

On this episode: The over heated stock market, the war, and inflation: Are these things keeping you from retiring? Have we found the perfect number for your IRA-to-Roth conversion? The purpose for a Will and how you spend your inheritance. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

What does it really take to replace your paycheck in retirement—and why might the old 4% rule fall short? This episode explores the rising cost of retirement, estimated at $5,300 per month, and the critical role of guaranteed income sources like Social Security and pensions. Kevin Madden discusses building reliable cash flow using alternative strategies, from fixed annuities to diversified income planning, while addressing risks like inflation, market volatility, and overreliance on 401(k)s. The conversation highlights how tailored income strategies—not arbitrary savings targets—shape long-term financial stability. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Robinhood just launched agentic trading -- an AI that can execute stock trades and purchases on your behalf using criteria you set in advance. There's also a new agentic credit card that can shop for you automatically. Joe and Anna dig into why handing execution over to a machine is fundamentally different from using AI as a thinking partner -- and why the people most excited about AI agents for their money are often the same people who would never trust a human advisor with it.What You'll Walk Away WithWhy the psychology of trusting AI with money while distrusting human advisors doesn't hold up -- and what's actually driving itThe difference between using AI to expand your thinking and using it to execute decisions -- and why only one of those is dangerousHow AI agents eliminate the friction that protects you from your own worst financial impulses -- and why that's exactly how consumer debt gets worseJoe's four-question framework for knowing when an AI agent is actually helping versus when it's just automating overspendingWhy Doug's experience building computer systems made him more skeptical of AI agents, not less -- and what changedThe debt sequencer framework from OG and Anna: how to rank every debt by interest rate, add an honest emotional layer, and decide where the next dollar actually goesWhy the debt snowball versus avalanche debate has a cleaner answer than most people think -- and when the math genuinely doesn't matterThe one thing that happens to almost every client's bonus money if they don't have a pre-decided allocation plan -- and how to fix it before the money arrivesWhy paying off a 3% mortgage might be the right call even when the spreadsheet says it isn't -- and the taxes-and-insurance math that makes the house payment conversation more complicated than it looksWhy the Stacking Benjamins guides now have an AI component that only draws from the guide itself -- and why it tells you when it doesn't know somethingWhy This Matters NowEvery time a company makes it easier to spend or trade without thinking, it's not because they want you to make better decisions. Understanding where AI genuinely helps -- thinking, organizing, comparing -- versus where it hurts -- executing, spending, trading -- is one of the most important financial literacy questions of the next decade.From the BasementJoe and Anna dig into Robinhood's new agentic trading and credit card features and work out where the line between useful and dangerous actually sits. OG and Anna follow with the debt sequencer -- a framework for ranking every debt you have and deciding where the next dollar goes, with room for both math and emotion. Doug arrives with kite-flying trivia that connects to one of the most famous names in American history. Anna is back without OG, which Doug predicts will produce the highest ratings in show history.Resources MentionedCNBC -- "Your AI agent can now trade for you on Robinhood and buy stuff with your credit card, too"; linked at stackingbenjamins.comThe College Investor with Robert Farrington -- referenced for prior deep dive on AI financial advice accuracyStacking Benjamins Guides -- college planning, tax planning, and HR benefits guides with new AI component; stackingbenjamins.com/guidesStacking Benjamins Basics Guide -- season one and season two workbooks free at stackingbenjamins.com/basicsguideStacking Benjamins Scorecard -- stackingbenjamins.com/scorecardStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Field Kit Finance -- fieldkitfinance.comStacking Benjamins BAD Groups -- stackingbenjamins.com/badStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ferg wants to know what success means for us and when is enough enough. But we first speak about Pizza Hut's grand plan, the Texas political landscape, and what flaws we are working on. Chapters00:00 Navigating Time and Travel Plans02:40 Parental Anxiety and Global Events05:16 Pizza Hut's Comeback and Nostalgia08:21 Racial Discrimination in Healthcare10:51 Political Landscape and NFL's Racial Hiring Practices13:21 Texas Politics and Election Dynamics16:25 Celebrating Milestones and Future Events20:18 The Controversy of UFC and Government Funding23:11 Cultural Reflections on American Sports and Entertainment29:37 Personal Growth: Flaws and Self-Reflection37:46 Decision-Making: Overthinking vs. Quick Action39:18 Investing in Your First Home42:00 Personal Growth and Confidence47:40 Defining Success and Goals52:34 Multi-Generational Family Dynamics56:04 Financial Planning and Retirement01:02:47 Living in Success and Contentment01:09:07 The Pursuit of More and Enough

This week, Dave Spano and Dr. Brian Jacobsen break down rising geopolitical tension, spotlighted by developments in Iran, alongside a fresh batch of economic data shaping today's market narrative. Inflation is still running hot as consumer confidence slips and small business optimism cools, even while housing and trade offer a few bright spots. They also take a closer look at the uptick in IPO activity, from AI heavyweight OpenAI to more traditional companies, and what it may reveal about investor sentiment, plus practical conversations on tax filing strategies for couples and why more Americans are tapping into their 401(k)s.

Are you on track for a successful retirement? While most people focus on how much they've saved, retirement success depends on much more than your account balance. In this episode of the Wise Money Show, the team breaks down the five key factors that determine retirement readiness. Learn how financial advisors evaluate retirement success and discover the critical ingredients that can help you retire with confidence. Season 11, Episode 43 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/3I7VGWmfrAY  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Probate is one of the most misunderstood topics in estate planning. Many people know they want to avoid it, but few understand what probate is or why it exists in the first place. This week, attorney Kyle Rinaudo of Reeves Law, P.C., joins us for an in-depth conversation on the facts and fiction surrounding probate, including its purpose, the role it plays in settling estates, why it often carries a negative reputation, and what families can realistically expect when navigating the process.We also explore one of the most common sources of stress in any relationship: money. A recent survey found that four in 10 adults in committed relationships admit to keeping financial secrets. From spending habits and saving priorities to differing investment philosophies, we'll discuss the financial disagreements couples face most often and how open communication can help create alignment around shared goals.Finally, after discussing emergency funds a few weeks ago, we take the next step in the financial planning journey: investing for the future. Whether you're just getting started or looking to better understand your options, we'll break down the fundamentals of retirement investing, including 401(k)s, employer matches, Traditional and Roth IRAs, and the importance of letting time and compounding work in your favor.From estate planning and family finances to long-term investing, this episode focuses on building a stronger financial foundation for every stage of life.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — June 13, 2026  |  Season 40, Episode 24Timestamps and Chapters4:40: Probate: Fact, Fiction, and what Really Happens32:27: When Mom and Dad Fight: When Couples Disagree About Money50:18: From Safety Net to Nest Egg: Investing for the FutureFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

You might not look rich on Instagram. That doesn't mean you're behind. Joe, Paula Pant, Jesse Cramer, and Anthony Weaver from About That Wallet work through eight real signs that your financial life is on track -- covering stability, behavior, and mindset -- and spend just as much time on why we're all so bad at recognizing the wins we've already had.What You'll Walk Away WithWhy a $1,000 emergency fund puts you in the top 40% of Americans -- and what Jesse's registered nurse versus Uzbek architecture professor framework tells you about how big yours actually needs to beThe debt-to-income ratio question nobody asks: would you rather have a 10% DTI and zero savings, or $1 million invested and a 45% DTI? Paula and Anthony work out their actual answers liveWhy someone making $250,000 and living paycheck to paycheck is less financially trustworthy than someone making $60,000 with a two-month buffer -- and what that reveals about the real gameAnthony's dream walk framework: the questions he asks clients to make sure their day-to-day financial habits are actually pointed toward what they say they wantWhy the trend matters more than the number -- and the one thing Jesse tracks monthly that most people miss when they're focused only on net worthThe peace of mind problem Paula names that most personal finance conversations skip entirely: there is very little correlation between the numbers in your accounts and your actual anxiety levelWhy Jesse thinks prioritizing stress reduction over optimization might actually produce better long-term outcomes than squeezing every percentage pointThe Instagram tell that almost none of the visible wealth you're comparing yourself to is real -- and the Tai Lopez rental strategy that proves itAnthony's story about the client who needed permission to sell investments to feed her kids -- and why money as a tool looks completely different at every income levelWhy money is the easiest possible scorecard -- and how that ease is exactly what makes it so dangerous as a proxy for self-worthWhy This Matters NowThe comparison pressure has never been higher and the metrics have never been more visible. This episode is a reminder that the signs of real financial health are mostly invisible on the internet -- and that you might already be further along than you think.From the BasementJoe, Paula Pant, Jesse Cramer, and Anthony Weaver from About That Wallet work through eight signs of financial progress from a wisdom.com piece while talking about drone footage FOMO, Tai Lopez's rental Lamborghinis, and why somebody in Florida held a half-eaten grilled cheese sandwich for ten years before selling it on eBay. Resources MentionedAbout That Wallet podcast -- Anthony Weaver; available wherever you listen to podcastsAfford Anything podcast -- Paula Pant; recent episode with Dr. John La Puma on why going outside improves health and productivityPersonal Finance for Long-Term Investors (FILTI) -- Jesse Cramer; recent AMA episode on retirement planning questionsFreedom app -- referenced by Paula for blocking Instagram; freedom.toSurfshark VPN -- surfshark.com/stackingbee; code stackingbee for four extra monthsStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementStacking Benjamins BAD Groups -- stackingbenjamins.com/badSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What should you really expect from a financial advisor? Is your advisor acting as a fiduciary, managing risk, helping with taxes, retirement income, estate planning, and behavioral coaching, or just selling products and chasing performance? Richard Rosso & Jonathan McCarty break down the real role of a financial advisor, what services matter most, how advisors are compensated, and the warning signs investors often miss. We also discuss fiduciary standards, portfolio management, communication expectations, financial planning, and why transparency matters more than promises.. Here's a topical rundown of today's show: 0:00 - INTRO 0:33 - Jerome Powell, Kevin Warsh, & CPI Review 3:43 - Employment Numbers & Data Centers 5:28 - What Does Your Advisor Do? 9:34 - What Should You Expect? 13:07 - What Are You Getting vs Giving Up? 16:56 - Looking at Taxes on a Continuum 19:26 -Investment Management is Important 24:37 - Financial Advisors with Open Minds 27:41 - Fixed-cost vs Fee-based Financial Planning 26:15 - How to Deal with Emotional & Cognitive Biases 27:11 - Fiduciaries Focus on Things You Miss 28:30 - Proper Asset Location 30:03 - Fee Transparency - How advisors get paid 31:35 - Red Flag Warnings When Choosing an Advisor 33:11 - What Annuities Do (and Don't Do) 34:44 - Big Firms vs Small Firms - KYC 35:38 - Fee-only vs Fee-based Advisors 36:49 - What Comprehensive Wealth Management Should Look Like Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "The Perfect Planning Experiemce" https://realinvestmentadvice.com/ria-e-guide-library/ ------- 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/HXafEWQMFuI?feature=share ------- Watch today's "Before the Bell" feature, "Momentum Mania Meets Market Rotation," here: https://youtu.be/bNIRIssbDP8 ------- Watch our previous show, "Inflation Surge Hits Markets?" https://youtube.com/live/UOSeQNOhcwI ------- * REGISTER for our next Candid Coffee, THIS Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- 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/ #FinancialAdvisor #RetirementPlanning #Investing #WealthManagement #Fiduciary

What should you do after receiving a large inheritance?In this episode, Loral Langemeier helps a Minnesota couple who received a $1.1 million inheritance that includes cash, mutual funds, and real estate assets avoid costly mistakes and create a long-term wealth strategy.Loral explains why proper inheritance planning goes beyond simply investing money and why smart inheritance planning includes preparing children to become financially responsible rather than simply passing down wealth.If you've inherited money or expect to in the future, this episode provides practical insights into protecting assets, reducing taxes, and building generational wealth with confidence.Loral's Takeaways:Current Business and Challenges (00:48)Inheritance and Financial Planning (02:35)Corporate Structure and Tax Implications (03:56)Investment Strategies and Learning Opportunities (05:25)Franchise Opportunities and Long-Term Planning (06:23)Personal Expenses and Tax Management (07:44)Involving the Next Generation (09:01)Meet Loral Langemeier:Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral relentlessly and candidly shares her best advice without hesitation or apology. What sets her apart from other wealth experts is her innate ability to recognize and acknowledge the skills & talents of people, inspiring them to generate wealth.She has created, nurtured, and perfected a 3-5 year strategy to make millions for the “Average Jill and Joe.” To date, she and her team have served thousands of individuals worldwide and created hundreds of millionaires through wealth-building education keynotes, workshops, products, events, programs, and coaching services.Loral is truly dedicated to helping men and women, from all walks of life, to become millionaires AND be able to enjoy time with their families.She is living proof that anyone can have the life of their dreams through hard work, persistence, and getting things done in the face of opposition. As a single mother of two children, she is redefining the possibility for women to have it all and raise their children in an entrepreneurial and financially literate environment.Links and Resources:Ask Loral App: https://apple.co/3eIgGcXLoral on Facebook: https://www.facebook.com/askloral/Loral on YouTube: https://www.youtube.com/user/lorallive/videosLoral on LinkedIn: https://www.linkedin.com/in/lorallangemeier/Money Rules: https://integratedwealthsystems.com/money-rules/Millionaire Maker Store: https://millionairemakerstore.com/Real Money Talks Podcast: https://integratedwealthsystems.com/podcast/Integrated Wealth Systems: https://integratedwealthsystems.com/Affiliate Sign-Up: https://integratedwealthsystems.com/affiliatesThanks for listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have some feedback or questions about this episode? Leave a comment in the section below!Subscribe to the podcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on iTunes or Stitcher. You can also subscribe from the podcast app on your mobile device.Leave us an iTunes reviewRatings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on iTunes, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on iTunes.

Markets ended the week balancing persistent inflation data, evolving Fed expectations, and shifting equity leadership. CPI and PPI both surprised to the upside, reinforcing the view that inflation remains sticky and likely keeps the Fed in a restrictive stance ahead of Kevin Warsh's first FOMC meeting as chair. While geopolitical tensions in the Middle East added volatility early in the week, markets recovered on signs of potential de-escalation. In equities, leadership broadened beyond mega caps, with equal weight indices gaining strength as investors reassess concentration risk. With rates expected to stay higher for longer, disciplined positioning and diversification remain key in navigating the current environment. Speakers:Brian Pietrangelo, Managing Director of Investment StrategyGeorge Mateyo, Chief Investment OfficerRajeev Sharma, Head of Fixed IncomeStephen Hoedt, Head of Equities 02:05 — CPI and PPI show persistent inflation pressures04:00 — Fed outlook ahead of Kevin Warsh's first FOMC meeting06:30 — Geopolitics and market reaction to Middle East tensions10:00 — Bond market implications and higher for longer rate expectations15:15 — Equity market breadth improves as SpaceX IPO draws attention Additional ResourcesNational Call Replay: 2026 Mid-Year CIO UpdateRead Now: Corporate Transparency Act — Where Are We Now (2026)? Key QuestionsWeekly Investment BriefSubscribe to our Key Wealth Insights newsletterFollow us on LinkedIn

THE HIDDEN MILLIONAIRE: ARE YOU WEALTHIER THAN YOU THINK? WATCH ON YOUTUBE Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Senior Financial Planner Tessa Hall Media and Communications Specialist About This Episode Tessa speaks with BWFA Financial Planner Tyler Kluge about the concept of the “hidden millionaire”—individuals who have built substantial wealth through consistent saving but may not realize the opportunities available to optimize their financial lives. They discuss why saving money is only one piece of the puzzle and how thoughtful planning can help individuals make more informed decisions about investing, taxes, retirement, and estate planning. The conversation explores cash reserves, forgotten retirement accounts, diversification misconceptions, tax planning, and the importance of understanding your complete financial picture. To learn more about how our financial planning services can help bring clarity to your goals, visit our Financial Planning page. Read Full Description Some people spend years diligently saving money without realizing how much wealth they have accumulated. Others build substantial assets across multiple accounts but never create a comprehensive financial plan. In this episode of Healthy, Wealthy & Wise, Tessa speaks with BWFA Financial Planner Tyler Kluge about the concept of the hidden millionaire. They discuss why financial planning goes beyond simply saving money. Many people maintain large cash reserves without evaluating whether those assets align with their goals. Others forget about retirement accounts from previous employers. Some assume they are diversified simply because they have investments at multiple financial institutions. Tyler explains why understanding your net worth is an important first step in the planning process. He also discusses how investment management, tax planning, retirement planning, and estate planning work together to create a more complete financial strategy. The conversation also explores forgotten accounts, inefficient portfolio structures, and overlooked tax considerations. These issues can affect long-term financial outcomes. In addition, Tyler explains why individuals with substantial assets should consider how their wealth will transfer to future generations. Ultimately, becoming a hidden millionaire often results from consistent saving habits. However, financial planning can help transform accumulated wealth into a strategy that supports your goals. It can also reduce complexity, provide greater confidence, and help ensure your resources are working effectively.

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One day you're comparing Roth IRA options. The next you're helping Mom navigate long-term care paperwork, fighting with a bank over a power of attorney document, and wondering how anyone manages all this without losing their sanity.Welcome to the world of financial caregiving.Today, certified financial planner and financial journalist Beth Pinsker joins us to share the lessons she learned while helping manage her mother's finances during a health crisis. From powers of attorney that don't always work when you need them to the surprising warning signs that an aging parent may need help, Beth offers practical advice every family should hear before an emergency arrives.Then in our headline segment, a blast from the financial past: unconventional mortgages are making a comeback. Are these products helping qualified borrowers who don't fit the traditional mold—or are we seeing early warning signs of the next lending problem?Plus, Doug celebrates the legacy of Ray Charles with today's trivia challenge.In Today's EpisodeWhy financial caregiving is far more complicated than most families expectThe paperwork Beth wishes she'd completed before her mother's medical emergencyHow power of attorney works—and why it may not work as smoothly as you thinkWarning signs that a parent may be struggling financially or cognitivelyThe surprising problems created by passwords, two-factor authentication, and modern banking systemsWhy trusted contacts, healthcare proxies, and emergency document folders matterCommon family conflicts that emerge during caregiving and estate settlementWhether today's unconventional mortgages should worry homebuyersThe important differences between today's lending environment and 2008Ray Charles trivia from DougOur GuestBeth PinskerBeth Pinsker is an award-winning financial journalist, Certified Financial Planner™, and author of My Mother's Money: A Guide to Financial Caregiving. Through both her professional expertise and personal experience, Beth helps families prepare for the financial realities of caring for aging loved ones.Mentioned In Today's ShowMy Mother's Money: A Guide to Financial Caregiving by Beth PinskerLong-term care insuranceFinancial power of attorneyHealthcare proxy documentsTrusted contactsEstate planning basicsNon-conforming mortgagesRay CharlesDoug's TriviaWhich Ray Charles hit became an official state song?Better Call Saul...Sehy & OGWhat financial caregiving preparations have you already completed—and which ones are still sitting on your to-do list?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What if building wealth was exactly like building a house? In this episode of The How To Show, Gino Barbaro breaks down the five stages of building a financial house and explains why most people fail to create lasting wealth. Many people jump straight into investing, crypto, real estate, or business opportunities without first building a strong financial foundation. The result? Their financial house eventually crumbles. Using a simple yet powerful framework, Gino explains how true wealth is created through a step-by-step process that prioritizes stability, education, protection, cash flow, and legacy. Whether you're just beginning your financial journey or looking to strengthen your existing strategy, this episode provides a roadmap for building wealth that lasts. What You'll Learn • The difference between being rich and being wealthy • Why financial foundations matter more than investments • How to build financial stability before taking risks • The role of cash flow, investing, and asset protection • How to create long-term and generational wealth • The 5 stages of building a financial house Timestamps 00:00 Introduction: Rich vs Wealthy 01:30 Why Most People Build Wealth Wrong 04:20 Stage 1: Financial Foundation 10:05 Stage 2: Building Your Financial Framework 16:15 Stage 3: Protecting Your Wealth 19:20 Stage 4: Creating Cash Flow & Assets 26:50 The Maserati Mike Story 30:15 Stage 5: Legacy & Estate Planning 35:00 Financial House Assessment Exercise 39:15 Identify Your Weakest Wealth Stage 41:30 Wealth Building Action Steps 44:15 How to Build Generational Wealth 46:00 Final Takeaways & Closing Thoughts What to lear more about multifamily? Go to: https://wheelbarrowprofits.com/ We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Roger Whitney explores the relationship between cost and value in retirement planning, focusing on how to better understand the fees associated with financial advice, investments, and insurance products. Using a listener question about an annuity recommendation as a starting point, he explains why investors need clarity around what they are paying so they can determine whether they are receiving enough value in return. Roger also answers listener questions about transitioning into retirement, creating an income strategy before Social Security begins, and shares more decluttering wins from the community.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger introduces the idea that understanding value requires first understanding price, and explains why investment and advisory fees can often feel difficult to identify.RETIREMENT TOOLKIT(02:49) Roger explores the relationship between price and value in financial planning, using a listener question about annuities to explain how advisor fees, investment expenses, and compensation structures work. He encourages listeners to understand what they are paying in dollar terms so they can determine whether the value they receive aligns with the cost. LISTENER QUESTIONS(26:23) A listener asks for guidance on navigating the emotional transition during the final year before retirement and how to "land the plane" well.(33:00) Roger shares listener feedback from his healthcare episode.(33:40) Roger addresses a question about whether paying for family vacations should count toward annual gifting limits. (35:08) Molly asks how to structure retirement withdrawals before claiming Social Security, and Roger shares his approach to creating an income reserve.SMART SPRINT(37:41) Take 20–30 minutes this week to identify the fees associated with your investments or financial advice and convert them into dollar amounts so you can better evaluate the value you receive.DECLUTTERING DEBRIEF(38:55) Roger shares listener success stories inspired by the decluttering series.REFERENCESlivewithroger.com — Register for Noodle Live on June 18!Submit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

A prospect can sit through an entire meeting, nod along, ask good questions, and still leave without fully understanding why they need you.That's the problem.Many advisors explain their value clearly, but they don't make it easy for prospects to see the difference between where they are today and where they could be with the right plan in place.In Part 2 of this three-part series, I break down one of the simplest ways to make your planning process feel more tangible, more understandable, and more compelling without overwhelming prospects with more information.3 Insights From This Week's Episode…#1.) Why Prospects Struggle To See Your ValueYou may understand the strategy, the software, and the planning opportunities sitting underneath the surface. But your prospect often just sees complexity. I cover why this disconnect matters and how it can quietly hurt your close rate.#2.) The Hidden Cost Of Leading With ComplexityAdvisors often walk into meetings with charts, projections, jargon, and too many decision points. The problem is that more information doesn't always create more clarity. We explore why this can make prospects hesitate instead of move forward.#3.) The Communication Trap That Kills TrustThere's a fine line between helping prospects see what's missing and making them feel judged for not already having it figured out. I unpack the mistake advisors make here and why tone can make or break the conversation.SHOW NOTEShttps://bradleyjohnson.com/172SPONSORED BY BELAYRunning a business is hard enough without trying to do everything yourself. BELAY helps busy leaders find world-class Virtual Assistants who can take tasks off their plate, protect their time, and help them stay focused on the work that actually moves the business forward. Learn more about BELAY and find the right assistant for your business here: http://belaysolutions.com/dbdlFOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

"Opportunity cost" analysis could make you think that every dollar you spend is ruining your future retirement finances. We address this way of thinking in today's "Ask Me Anything" episode.  Looking for a financial planner?  → PlanWithJesse.com Jesse explores three listener questions spanning core retirement planning tradeoffs. First, he unpacks the concept of opportunity cost, arguing that while it's mathematically valid to project small spending decisions (like vacations or food choices) into large future dollar amounts using compound growth, doing so at an aggressive portfolio return can become misleading and behaviorally counterproductive. He emphasizes the importance of distinguishing frugality from harmful "cheapness" and highlights that many expenses also deliver real utility, not just cost. Second, he evaluates Treasury Inflation-Protected Securities (TIPS), explaining how they work, how they differ from I Bonds, and why they are useful for inflation hedging but not a complete substitute for equities or traditional bonds due to lower expected returns and interest rate risk. Third, he examines portfolio construction across multiple accounts, contrasting simple mirrored allocations with more tax-efficient asset location strategies. While optimized asset location can improve outcomes, he concludes the benefit is relatively modest compared to higher-impact financial decisions, reinforcing a prioritization framework for retirement planning decisions. Key Takeaways: • Opportunity cost is mathematically valid but often misused in personal finance discussions. • Frugality and being "cheap" are not the same—cutting essential spending can reduce quality of life disproportionately. • Applying opportunity cost logic universally leads to absurd conclusions (e.g., coffee, schooling, healthcare). • TIPS returns are typically lower than nominal Treasuries due to inflation protection. • A blended approach (TIPS + Treasuries) can balance inflation protection and flexibility. • Financial planning should prioritize high-impact decisions before optimizing tax placement.  Key Timestamps: (01:03) – Question 1: Opportunity Cost: Being Cheap vs. Frugal (06:47) – Does It Make Sense Mathematically? (09:32) – Shockingly Not-So-Simple Social Security (13:27) – Isn't the Trip Worth the Money? (18:23) – Question 2: Are TIPS Worth It? (21:24) – TIPS vs. I-Bonds (22:09) – Inflation Risk (27:29) – Question 3: Asset Allocation vs. Location (31:45) – Why Not Add One More Lever? (34:59) – Practical Example (39:31) – Is the Juice Worth the Squeeze? Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://www.mrmoneymustache.com/2026/04/16/the-shockingly-simple-math-behind-social-security/   https://bestinterest.blog/when-the-shockingly-simple-math-is-shockingly-wrong/   https://bestinterest.blog/the-long-term-investors-order-of-operations/   https://bestinterest.blog/e121/   More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog    Need a financial planner?  → PlanWithJesse.com   The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs leverage really the risky part of wealth building — or is the bigger risk misunderstanding how, when, and why to use it?Many Canadian business owners and investors already use leverage every day through mortgages, vehicle financing, business debt, or lines of credit — yet borrowing to invest often feels like a completely different level of risk. In this episode, Kyle and Jon unpack why some forms of debt feel “normal” while others feel dangerous, and how education, experience, asset choice, and the right support can dramatically change how risk is perceived. If you've ever wondered whether leveraged investing is smart strategy or unnecessary danger, this conversation will help you think more clearly about the difference.You'll walk away with:A clearer way to compare “acceptable” debt, like mortgages, with investment leverage that may create income or tax advantages.A practical lens for understanding objective risk versus perceived risk — and why your experience with an asset class matters.A better sense of when leverage may be an opportunity, when it may be a red flag, and why guidance or deeper education can help reduce costly mistakes.Press play now to rethink leverage, risk, and opportunity through a more strategic wealth-building lens.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian entrepreneurs and investors, building long-term wealth Canada starts with a clear Canadian wealth plan that connects leverage, risk management, investment strategies, financial education, and tax optimization into one intentional system. Whether you are comparing real estate investing Canada with real estate vs renting, exploring passive income planning, optimizing RRSP room, or weighing salary vs dividends Canada, the goal is to use smart financial planning, personal vs corporate tax planning, and corporation investment strategies to reduce investment risk while creating more financial freedom Canada. A strong plan may include RRSP optimization, tax-efficient investing, Canadian tax strategies, capital gains strategy, corporate wealth planning, business owner tax savings, corporate structure optimization, and financial systems for entrepreneurs, all supported by retirement planning tools, financial buckets, an investment bucket strategy, and financial vision setting. By focusing on financial diversification Canada, modest lifestyle wealth, early retirement strategy, passive income, estate planning Canada, legacy planning Canada, and financial independence Canada, Canadians can create wealth building strategies Canada that balance real estate, corporate assets, tax planning, and long-term investment risk management.Ready to connect? Text us your comment including your phone number for a response! If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Getting into great financial shape is no joke. It takes planning and intention to put together a plan that will work for your own personal journey. This is why it's important to take time to have a financial planning conversation. If you haven't taken the time to chat with a financial professional about your future, this tip will highlight a few reasons why now is a great time to do so.   Links: Learn more about Triangle's Financial Planning Services  Learn how you're doing financially with our short Financial Wellness Assessment Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.     When most people think about financial planning, a few familiar moments come to mind: that long-since forgotten New Year's resolution in January, the hectic tax season in early spring, or the rush to make moves before year‑end. But for young adults and young families especially, This month is one of the smartest—and most underappreciated—times to have a financial planning conversation.  Here's why this time of year creates a valuable opportunity to review your finances, adjust your goals, and build confidence before life gets busier.  Tax Season Is Over, and Your Financial Picture Is Clearer  By this time of year, tax season is finally behind you. That alone makes it an ideal time to step back and look at the big picture without deadlines looming.  For young professionals and growing families, this is when:  Your income details are fresh and accurate You can see how bonuses, job changes, or side income affected your taxes Any surprises—good or bad—are still top of mind  Instead of reacting to tax results, a June planning conversation allows you to learn from them. Whether it's adjusting withholding, rethinking savings strategies, or planning for future life changes, you're making decisions with real numbers in hand.  A Natural Mid‑Year Checkpoint (Without the Pressure)  June sits at a natural pause point in the year. You're not racing to hit New Year's goals, and you're not yet overwhelmed by fall schedules or holiday planning.  This makes it a perfect moment to ask:  Are we saving what we intended to save this year? Has our spending shifted as our lifestyle changed? Are we still comfortable with our debt and monthly obligations?  For young families juggling daycare costs, mortgage payments, or student loans—and young adults balancing rent, savings, and career moves—small course corrections made now can prevent bigger problems later.  Summer Spending Is Here  Summer often brings higher spending, especially for families. Travel, camps, childcare changes, weddings, home projects, and even higher utility bills can quietly strain cash flow.  Planning now helps you:  Set realistic expectations for summer expenses Decide what's worth spending on—and what isn't Protect savings goals while still enjoying the season  Instead of relying on credit cards or feeling guilty about spending later, you enter summer with clarity and intention.  Big Life Changes Often Happen This Time of Year  For many young adults and families, spring and early summer are full of transitions:  Graduations and new jobs Moves or first home purchases Growing families or childcare changes Career shifts or entrepreneurship plans  These milestones are exciting—but they also impact cash flow, benefits, insurance, and long‑term goals. A financial planning conversation in June helps you connect today's changes to tomorrow's stability, rather than reacting after the fact.  Markets and Interest Rates Don't Pause for Summer  While it's tempting to mentally “check out” once warmer weather arrives, financial markets and economic conditions continue moving.  June is a smart time to:  Revisit your investment mix and risk comfort level Review how interest rates affect your savings, student loans, or mortgage Stay focused on long‑term goals instead of short‑term headlines  For younger investors especially, planning is less about timing the market and more about building consistent, sustainable habits early.  It's Easier to Focus Before Life Gets Busier  Once summer is in full swing, calendars fill quickly. Vacations, family commitments, and back‑to‑school planning can make financial conversations feel rushed—or get pushed off entirely.  In June:  Schedules tend to be more manageable Conversations are calmer and more thoughtful There's time to consider options instead of making snap decisions  That breathing room leads to better outcomes and less stress.  Planning Now Creates Momentum, Not Panic  One of the biggest benefits of scheduling a financial planning conversation in May is what it prevents later: year-end scrambling.  By taking action now, you:  Spread decisions out over time Avoid last-minute pressure in the fall Give your goals time to compound rather than compress  For young adults and families still building their financial foundation, this kind of proactive momentum can be transformative.  The Bottom Line  Financial planning isn't just for major milestones or looming deadlines—and it doesn't have to wait until January or December. This time of year offers a practical, low‑pressure opportunity to pause, reflect, and plan ahead.  Whether you're managing your first “real” paycheck, navigating family expenses, or preparing for your next big life move, a conversation now can bring clarity, confidence, and peace of mind for the rest of the year.  Sometimes, the smartest financial decision isn't what you do—it's when you start the conversation.  Triangle is proud to offer financial planning services as part of our commitment to member success. If you're interested in sitting down to start the conversation, visit trianglecu.org or follow the link in the show notes to learn more and get in touch with one of our financial planning professionals.   If you're not quite ready for the conversation yet, but are just curious about your financial health, take our free financial wellness assessment to get an idea of where you're at. It's free, only takes a couple minutes to answer the questions and you'll get a quick result sent right to your inbox. Give it a shot now at trianglecu.org or follow the link in the show notes.   If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Send us Fan MailJoin Sarah Thompson and me as we discuss in detail her experiences with ill and aging parents.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Even with millions saved, retirement questions don’t disappear—they just change. This episode with Christian McPherson explores common concerns like market volatility, long-term care, and economic uncertainty, alongside practical ways to prepare for them. The conversation highlights building a structured plan, managing risk, and creating “guardrails” to protect income. It also touches on client relationships, second opinions, and staying focused on long-term goals. Plus, insights from a professional athlete bring a unique perspective on navigating life’s next chapter. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

How do you turn a lifetime of savings into a paycheck that actually supports your retirement? In this episode, Frankie Guida breaks down the key questions behind creating a reliable income strategy. The discussion highlights how to determine sustainable spending, coordinate multiple income sources, and why relying on rules of thumb like the 4% rule may fall short. He also explores withdrawal strategies, sequence of returns risk, and how taxes and healthcare costs can impact income, offering insight into building a structured approach for retirement cash flow. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTubeSee omnystudio.com/listener for privacy information.

Under the leadership of Dr. Megan Ford, the University of Georgia is training the next generation of financial therapists in a way few institutions can. Inside the Love and Money Center, financial planning students and couple and family therapy students learn side by side—sometimes even sitting together with real clients as money stress and relationship conflict unfold in real time. Rather than separating numbers from emotions, Dr. Ford's model teaches future professionals how deeply intertwined they are and how to collaborate when those worlds collide. With low- to no-cost services for the community and structured supervision for students, this isn't just interdisciplinary education—it's the intentional shaping of a new profession  #FinancialTherapy #FinancialTherapist #MoneyAndRelationships #FinancialPlanning #CouplesTherapy #FamilyTherapy #BehavioralFinance #MoneyMindset #FinancialWellness #FinancialEducation #UniversityOfGeorgia #FutureOfFinance #MoneyStress #RelationshipHealth #PersonalFinance A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions. Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values.. 

Are you following a clear roadmap to retirement—or just guessing at the next turn? In this episode, Brandon Bowen shares how retirement planning involves navigating key milestones like Social Security and Medicare while building a plan that adapts to life changes. Through a real client story, he illustrates how adjusting timelines, income sources, and expenses can reshape retirement decisions. The conversation focuses on creating a flexible, personalized approach that accounts for evolving goals, income needs, and major life transitions. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Most people plan their retirement like they control the date. The data says they don't. A new Society of Actuaries study found that 59% of retirees stopped working earlier than expected -- and for most of them, the decision wasn't theirs. Health setbacks, job loss, caregiving demands, and plain old job dissatisfaction all showed up before the spreadsheet said it was time. Joe and OG dig into what the numbers actually mean, who's most at risk, and the specific steps that create real flexibility before retirement finds you. OG and Anna follow with a full walkthrough of equity compensation -- RSUs, ESPPs, and stock options -- including the tax surprise that catches most people off guard.What You'll Walk Away WithWhy 59% of retirees left the workforce earlier than they planned -- and why only 6% left laterThe income gap nobody talks about: how high earners retire early mostly because they wanted to, while lower earners are pushed out by health and job lossWhy Coast FIRE math falls apart the moment your income stream stops before you planned -- and what that means for how aggressively you should be saving right nowThe one manager change that can end a 20-year career overnight -- and why keeping your network warm is one of the most underrated retirement prep moves availableThe 30-year mortgage paid like a 15-year analogy: why building financial margin now means retirement can happen on your terms, not someone else'sHow to prepare for the emotional side of early retirement -- including the identity shift, the relationship changes, and the pent-up demand that makes the first year unexpectedly wildRSUs versus stock options versus ESPPs: what each one actually means, how they're taxed differently, and why getting a grant without a strategy is the most expensive mistake in equity compThe 5-10% concentration rule: how much of your net worth should be tied to company stock -- and why your paycheck counts in that mathThe RSU tax trap: why your company withholds at 22% but you might actually owe 37% -- and why spending all your RSU money on a pool before April is a terrible ideaStacker Kiki's accountability letter: the complete list of what she's cutting, what she refuses to cut, and why the gamification of frugality is more powerful than white-knuckling itWhy This Matters NowYou may not get to choose your retirement date. But you do get to choose how prepared you are for the day it arrives. The people in this study who retired early by choice had one thing in common: they'd built enough margin that the choice was actually theirs.From the BasementJoe and OG dig into a USA Today piece on the surprising frequency of unplanned early retirement -- and what to do about it before the decision gets made for you. OG and Anna deliver episode five of their financial basics series with a full equity compensation walkthrough, including the tax withholding gap that sends people to April with surprise bills. Doug arrives with Mickey Mantle trivia. A community poll on how often Stackers check their portfolios during headlines produces results that are more honest than most people expected. Stacker Kiki writes a detailed letter about her intentional spending cuts, and OG quietly admits he's been burning through hotel shampoo samples all year.Resources MentionedSociety of Actuaries Retirement Risks Survey -- released May 2026; linked at stackingbenjamins.comUSA Today -- "Most of Us Retire Earlier Than Planned. Here Are the Top Reasons." by Daniel DeVise; linked at stackingbenjamins.comStacking Benjamins Basics Guide -- season one and season two workbooks free at stackingbenjamins.com/basicsguideStacking Benjamins Scorecard -- stackingbenjamins.com/scorecardStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201; Kevin Bailey's hot take on this week's pieceStacking Benjamins YouTube channel -- full OG and Anna equity comp series; youtube.com/stackingbenjaminsStacking Benjamins BAD Groups -- meetups in Boston, Seattle, Twin Cities, Mankato, Tucson, and more; stackingbenjamins.com/badStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are you maximizing the true value of your federal benefits, or are you unintentionally leaving money on the table? In this special episode, John and Tommy present an updated version of a classic seminar originally created by the firm's founders in the 1990s—now made current for 2026. They break down the unique complexities of the FERS system and expose the critical blind spots that often lead federal employees to make major, irreversible retirement mistakes. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn  John Mason: LinkedIn Tommy Blackburn: LinkedIn 

What if financial success has less to do with math and more to do with psychology? In this episode of Everything Is Personal, Len May sits down with Doug Lynam, whose life journey is anything but conventional. After serving in the Marines, Doug spent years as a Benedictine monk before becoming a successful financial advisor and author. Along the way, he discovered that our relationship with money is often driven by emotions, beliefs, and experiences we rarely recognize. Doug explains why financial decisions are rarely logical, how childhood experiences shape our money habits, and why many people unknowingly sabotage their own financial success. He explores the connection between wealth, identity, fear, purpose, and personal growth, offering a fresh perspective on what it truly means to build financial security. Whether you're an entrepreneur, investor, business owner, or simply trying to make better financial decisions, this conversation will challenge what you think you know about money. In this episode:

In this episode, we talk about what it means to move beyond simply earning a strong paycheck and start building wealth with real intention, especially for people in tech who are in the middle or later stages of their careers. We start with the idea that success can remove urgency. Early on, financial decisions feel obvious because everything is new and growing. Later, income is steady, accounts are already set up, and the basic systems are running. On the surface, everything looks fine. But that can create a quiet risk because passive financial habits keep shaping the future without anyone stopping to ask where it is all leading. We focus on the importance of clarity. Saving a large amount each year can look impressive, but that does not automatically mean the long term outcome matches someone's goals. Rising spending, overreliance on employer stock, or disconnected decisions across accounts can slowly push someone off course. The key is not that anything is broken. The issue is that many people have never paused to see the full picture. Once they do, they can compare where they are headed with where they actually want to go. We also spend time on equity compensation, which can become one of the largest opportunities and one of the largest risks in a financial life. We make the case that equity comp should be treated as real money when it is close enough to affect cash flow. Without a plan, it can get handled like a windfall, spent too casually, or allowed to build into a dangerously concentrated position. A simple plan such as selling shares on a schedule, reviewing vesting decisions regularly, and coordinating with taxes can turn that uncertainty into something durable. Another big theme is defining what enough means. We explain that the right starting point is not a target net worth pulled from a headline or a commercial. It starts with lifestyle. We need real numbers for what life costs today, what expenses are fixed, what is flexible, and what actually adds value. From there, the idea of enough becomes personal and measurable. That clarity can replace pressure, comparison, and vague anxiety with perspective. We close by bringing it back to purpose. Intentional wealth building does not mean adding more complexity. It means making sure income has a role, equity compensation has a plan, risk is understood, and there is a regular rhythm for checking in. The goal is to move from something that is working okay to something that is working on purpose. (00:00) Intro (00:08) Why success can remove urgency (01:18) How passive money habits shape outcomes (04:23) What gets missed when nothing feels urgent (05:17) Example of concentrated company stock risk (07:09) Treating equity compensation as real money (09:53) How to know if you are actually on track (12:00) The pressure of comparison and feeling behind (14:21) Where to focus when you do not have time (16:20) What intentional wealth building actually looks like (17:36) How to contact Thimbleberry Financial To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

You're making more money than you ever have. Your net worth on paper looks great. And yet somehow, there's still too much month left at the end of the money. Joe, OG, Paula Pant, and Jesse Cramer dig into why high earners feel financially squeezed -- and why the answer is almost never what you think it is. Spoiler: it's usually not the lattes, it's not too many accounts, and it might not even be a spending problem at all.What You'll Walk Away WithWhy lifestyle inflation doesn't feel like inflation -- it feels like deserved progress, and why that's exactly what makes it so hard to catchThe crucial difference between feeling like you didn't save enough and actually not saving enough -- and why OG's take on this is the most useful thing in the episodePaula's one big fixed cost audit: why making a single large decision beats constantly making small DoorDash decisionsWhy tracking your spending is the calorie counting of personal finance -- only useful short-term, but powerful for getting an honest snapshot before you make any changesThe paper wealth trap: why a high net worth and strong portfolio can coexist with genuinely tight monthly cashflow and why people conflate themJesse's one-line-item challenge: find one thing on last month's credit card statement you wish you hadn't spent, cut it, and see what happens to your motivationWhy OG's advice to "just decide not to feel squeezed anymore" is less dismissive than it sounds -- and the number of times the actual math completely contradicted a client's feelingsThe boats conversation: why a good financial advisor's job isn't to tell you whether to buy the boat but to show you what it costs in terms of your actual goalsWhy comparing your savings rate to the FIRE community can make you feel terrible about saving an objectively impressive amount of moneyThe goal clarity test: if you can't articulate what you're saving toward in specific, time-bound, dollar-denominated terms, the squeezed feeling probably has nothing to do with your budgetWhy This Matters NowHousing, food, and transportation costs are genuinely higher. That part is real. But for a meaningful chunk of the people who feel financially squeezed, the math and the feeling are pointing in different directions. This episode is about figuring out which one you're actually dealing with -- and what to do differently once you know.From the BasementJoe, OG, Paula Pant, and Jesse Cramer work through the Wall Street Journal's reporting on why so many Americans feel financially squeezed even at high income levels -- and whether the problem is real, psychological, or both. OG is recording from a conference adjacent to Disney World and has opinions about wood delivery, boats, and people who feel bad about saving $87,000 a year. Paula gets the giggles. The trivia competition features a man who mowed Steve Wozniak's lawn and had the license plate to prove it. OG wins with suspicious precision. Ronald Wayne, who sold his 10% of Apple for $800 twelve days after founding the company, has a worse story than anyone on this podcast.Resources MentionedFinancial Samurai -- referenced for the lifestyle inflation quote; financialsamurai.comAfford Anything podcast -- Paula Pant; Joe joins most Tuesdays for listener Q&APersonal Finance for Long-Term Investors -- Jesse Cramer; current series: 14 risks in retirement, Charlie Munger inversion framework; two-part series now completeStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201OG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Don records through a booming Florida thunderstorm while tackling five listener questions. He discusses a thoughtful strategy for using a UTMA account to teach investing and potentially fund a future Roth IRA, then provides a detailed overview of what goes into a true financial plan, including cash flow analysis, insurance, estate planning, tax strategy, retirement projections, and investment management. Another listener asks about investing for a long life, prompting Don to explain why maintaining a diversified portfolio and spending less than portfolio growth are the keys to retirement sustainability. He also addresses when retirees might safely move from a 4% withdrawal rate toward 5%, emphasizing flexibility over rigid rules. The episode concludes with a discussion of HSAs, explaining why they are often better spent during retirement rather than left to non-spousal heirs, who may face less favorable tax treatment.0:04 Florida thunderstorm opening and update on the new podcast website and question system2:35 Using a UTMA account as a teaching tool, harvesting gains for a child, and eventually funding a Roth IRA4:47 What a comprehensive financial plan actually includes beyond investments6:14 Gathering financial data, setting goals, cash flow analysis, and risk management7:42 Asset allocation, diversification, Monte Carlo simulations, and behavioral coaching8:28 Retirement planning, Social Security timing, Roth conversions, RMDs, and tax strategies10:23 Listener crediting the show for retirement confidence and asking about investing for longevity12:37 Why spending less than portfolio growth is the key to long-term retirement success14:15 Whether a 4% withdrawal rule can become 5% later in retirement15:45 Fixed versus flexible withdrawal strategies and how age affects sustainable spending17:49 HSA withdrawal decisions in retirement and inheritance considerations19:31 Why HSAs generally should be spent rather than preserved for non-spousal heirs20:52 Meet-an-Advisor invitation and how portfolio reviews can uncover hidden risksQuestions? Comments? Click!

Learn how you can turn your life insurance policy into a super Roth for retirement. Tom Love is a CEO and financial wealth expert with over 40 years of experience. He walks through the multiplicity of benefits life insurance can unlock not just for the top 1% but for business owners, entrepreneurs, W2, and retirees. We cover the tax advantages, risk mitigation, non-recourse loan benefits, as well as debunking some of the most common talking points against life insurance.Watch the Interview on Youtube for Visuals - https://youtu.be/NABjYZ3BggoConnect with Tom Love: https://www.linkedin.com/in/tom-love/The Breakaway League: https://www.linkedin.com/company/thebreakawayleague/Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Interview Teaser and Introduction to "Super Roths" and Life Insurance 01:54 - Communicating the "Why" and Selective Clientele 02:35 - Wealth Strategies Within the Tax Code 04:18 - Tax-Free Income vs. Tax-Exempt Cash Flow 06:05 - Hidden Debt of Retirement Accounts 09:55 - Mechanics of Non-Recourse Loans 11:40 - The 1990 GAO Report and Tax Exemption 15:52 - Breakaway League and Better Communication 21:11 - Problem with Collateralizing Retirement Plans 25:23 - Case Study: A Billionaire's Insurance Strategy 28:55 - Real-World IRS Audit Story 30:53 - Permanence of the Tax Code and Section 7702 33:13 - The Mount Everest Analogy for Financial Planning 38:43 - Practicality: Taking Loans in Real Life 41:40 - Whole Life vs. IUL and Mutual Companies 44:46 - Warren Buffett and the Life Settlement Market 47:35 - The Conflict of the Fiduciary Registration 50:39 - Debating PUA Riders and Policy Design 54:44 - The Cons and Risks of Life Insurance 57:22 - Collateral Capacity in Real EstateDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.