Podcasts about good financial cents

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3311: Jeff Rose explains why working with an independent life insurance agent can simplify the often confusing process of finding coverage. Unlike exclusive agents tied to one company, independent agents compare policies across multiple insurers, helping clients, especially those with unique health conditions or risky hobbies, secure better rates and tailored options. With no conflicts of interest, they act as unbiased guides to ensure individuals find the most affordable and suitable protection for their needs. Read along with the original article(s) here: https://www.goodfinancialcents.com/independent-life-insurance-agent/ Quotes to ponder: "Your rates are tied to your health." "Working with an independent agent is not only the best way to get affordable life insurance, it's one of the easiest as well." "There is no 'perfect amount' of life insurance that works well for everyone." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3311: Jeff Rose explains why working with an independent life insurance agent can simplify the often confusing process of finding coverage. Unlike exclusive agents tied to one company, independent agents compare policies across multiple insurers, helping clients, especially those with unique health conditions or risky hobbies, secure better rates and tailored options. With no conflicts of interest, they act as unbiased guides to ensure individuals find the most affordable and suitable protection for their needs. Read along with the original article(s) here: https://www.goodfinancialcents.com/independent-life-insurance-agent/ Quotes to ponder: "Your rates are tied to your health." "Working with an independent agent is not only the best way to get affordable life insurance, it's one of the easiest as well." "There is no 'perfect amount' of life insurance that works well for everyone." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3285: Jeff Rose outlines why life insurance can be a smart move for young adults, even those without dependents. With low premiums and future-proofing benefits, early coverage can protect your loved ones from financial burdens and lock in cheaper rates before age or health changes make it more costly. Read along with the original article(s) here: https://www.goodfinancialcents.com/life-insurance-for-young-adults/ Quotes to ponder: "Life insurance is very inexpensive, and even if you took out a small $50,000 to $100,000 policy, you would be paying less than 2 value meals at McDonald's a month for coverage." "If you want to save money on your monthly premiums, spend a couple months improving your health." "The younger you are, the lower your costs are going to be in paying for your life insurance." Episode references: Payable on Death (POD) Account Explanation: https://www.investopedia.com/terms/p/payableondeath.asp Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3285: Jeff Rose outlines why life insurance can be a smart move for young adults, even those without dependents. With low premiums and future-proofing benefits, early coverage can protect your loved ones from financial burdens and lock in cheaper rates before age or health changes make it more costly. Read along with the original article(s) here: https://www.goodfinancialcents.com/life-insurance-for-young-adults/ Quotes to ponder: "Life insurance is very inexpensive, and even if you took out a small $50,000 to $100,000 policy, you would be paying less than 2 value meals at McDonald's a month for coverage." "If you want to save money on your monthly premiums, spend a couple months improving your health." "The younger you are, the lower your costs are going to be in paying for your life insurance." Episode references: Payable on Death (POD) Account Explanation: https://www.investopedia.com/terms/p/payableondeath.asp Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3285: Jeff Rose outlines why life insurance can be a smart move for young adults, even those without dependents. With low premiums and future-proofing benefits, early coverage can protect your loved ones from financial burdens and lock in cheaper rates before age or health changes make it more costly. Read along with the original article(s) here: https://www.goodfinancialcents.com/life-insurance-for-young-adults/ Quotes to ponder: "Life insurance is very inexpensive, and even if you took out a small $50,000 to $100,000 policy, you would be paying less than 2 value meals at McDonald's a month for coverage." "If you want to save money on your monthly premiums, spend a couple months improving your health." "The younger you are, the lower your costs are going to be in paying for your life insurance." Episode references: Payable on Death (POD) Account Explanation: https://www.investopedia.com/terms/p/payableondeath.asp Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3257: Jeff Rose offers a practical guide to organizing and storing key financial records, from brokerage and retirement statements to tax returns, bank statements, and insurance policies. He explains how long to keep each type of document, when it's safe to shred them, and how to protect against identity theft. His advice balances the convenience of digital storage with the security precautions needed to safeguard your most sensitive information. Read along with the original article(s) here: https://www.goodfinancialcents.com/how-long-should-you-keep-bank-financial-tax-statements/ Quotes to ponder: "Keeping a good filing system of all your statements will help you do a better job of investment tracking." "It's advisable to keep your tax returns ‘forever.'" "Proper shredding is an easy way to protect yourself from identity theft." Episode references: IRS Recordkeeping Guidelines: https://www.irs.gov/businesses/small-businesses-self-employed/how-long-should-i-keep-records Business Insider - Google Drive Security: https://www.businessinsider.com/guides/tech/is-google-drive-secure Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3257: Jeff Rose offers a practical guide to organizing and storing key financial records, from brokerage and retirement statements to tax returns, bank statements, and insurance policies. He explains how long to keep each type of document, when it's safe to shred them, and how to protect against identity theft. His advice balances the convenience of digital storage with the security precautions needed to safeguard your most sensitive information. Read along with the original article(s) here: https://www.goodfinancialcents.com/how-long-should-you-keep-bank-financial-tax-statements/ Quotes to ponder: "Keeping a good filing system of all your statements will help you do a better job of investment tracking." "It's advisable to keep your tax returns ‘forever.'" "Proper shredding is an easy way to protect yourself from identity theft." Episode references: IRS Recordkeeping Guidelines: https://www.irs.gov/businesses/small-businesses-self-employed/how-long-should-i-keep-records Business Insider - Google Drive Security: https://www.businessinsider.com/guides/tech/is-google-drive-secure Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3257: Jeff Rose offers a practical guide to organizing and storing key financial records, from brokerage and retirement statements to tax returns, bank statements, and insurance policies. He explains how long to keep each type of document, when it's safe to shred them, and how to protect against identity theft. His advice balances the convenience of digital storage with the security precautions needed to safeguard your most sensitive information. Read along with the original article(s) here: https://www.goodfinancialcents.com/how-long-should-you-keep-bank-financial-tax-statements/ Quotes to ponder: "Keeping a good filing system of all your statements will help you do a better job of investment tracking." "It's advisable to keep your tax returns ‘forever.'" "Proper shredding is an easy way to protect yourself from identity theft." Episode references: IRS Recordkeeping Guidelines: https://www.irs.gov/businesses/small-businesses-self-employed/how-long-should-i-keep-records Business Insider - Google Drive Security: https://www.businessinsider.com/guides/tech/is-google-drive-secure Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3233: Miranda Marquit unpacks the key differences between a HELOC and a second mortgage, helping homeowners make smarter choices when tapping into their home equity. Whether you're funding renovations or consolidating debt, you'll gain clarity on which option offers the flexibility, stability, or risk profile that aligns with your financial goals. Read along with the original article(s) here: https://www.goodfinancialcents.com/should-you-do-a-heloc-or-a-second-mortgage/ Quotes to ponder: "A home equity line of credit is a revolving line of credit that allows you to tap into the equity you've built in your property." "If you know exactly how much money you will need, for something like debt consolidation or to contribute to a child's college education, a lump sum can be helpful." "You are using your ownership in your home as collateral, and you could lose your house if you fall behind in your payments." Episode references: IRS - Home Mortgage Interest Deduction: https://www.irs.gov/publications/p936 Figure: https://www.figure.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3233: Miranda Marquit unpacks the key differences between a HELOC and a second mortgage, helping homeowners make smarter choices when tapping into their home equity. Whether you're funding renovations or consolidating debt, you'll gain clarity on which option offers the flexibility, stability, or risk profile that aligns with your financial goals. Read along with the original article(s) here: https://www.goodfinancialcents.com/should-you-do-a-heloc-or-a-second-mortgage/ Quotes to ponder: "A home equity line of credit is a revolving line of credit that allows you to tap into the equity you've built in your property." "If you know exactly how much money you will need, for something like debt consolidation or to contribute to a child's college education, a lump sum can be helpful." "You are using your ownership in your home as collateral, and you could lose your house if you fall behind in your payments." Episode references: IRS - Home Mortgage Interest Deduction: https://www.irs.gov/publications/p936 Figure: https://www.figure.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3233: Miranda Marquit unpacks the key differences between a HELOC and a second mortgage, helping homeowners make smarter choices when tapping into their home equity. Whether you're funding renovations or consolidating debt, you'll gain clarity on which option offers the flexibility, stability, or risk profile that aligns with your financial goals. Read along with the original article(s) here: https://www.goodfinancialcents.com/should-you-do-a-heloc-or-a-second-mortgage/ Quotes to ponder: "A home equity line of credit is a revolving line of credit that allows you to tap into the equity you've built in your property." "If you know exactly how much money you will need, for something like debt consolidation or to contribute to a child's college education, a lump sum can be helpful." "You are using your ownership in your home as collateral, and you could lose your house if you fall behind in your payments." Episode references: IRS - Home Mortgage Interest Deduction: https://www.irs.gov/publications/p936 Figure: https://www.figure.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3205: Your credit score plays a crucial role in securing loans, housing, and favorable interest rates, but not all credit inquiries affect it the same way. Miranda Marquit explains the difference between harmless soft inquiries and the minor impact of hard inquiries, offering practical tips to protect your score while shopping for the best financial deals. Learn how understanding these distinctions can help you make smarter credit decisions without unnecessary stress. Read along with the original article(s) here:⁠ https://www.goodfinancialcents.com/will-credit-inquiries-hurt-your-credit-score/ Quotes to ponder: “Only the hard inquiry is damaging to your credit score.” “For the most part, if you are responsible with your money and credit decisions, make payments on time, and avoid applying for a great deal of debt, credit inquiries are unlikely to have a large impact on your credit score.” “Don't let a credit pull keep you from shopping around for lower rates.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3205: Your credit score plays a crucial role in securing loans, housing, and favorable interest rates, but not all credit inquiries affect it the same way. Miranda Marquit explains the difference between harmless soft inquiries and the minor impact of hard inquiries, offering practical tips to protect your score while shopping for the best financial deals. Learn how understanding these distinctions can help you make smarter credit decisions without unnecessary stress. Read along with the original article(s) here:⁠ https://www.goodfinancialcents.com/will-credit-inquiries-hurt-your-credit-score/ Quotes to ponder: “Only the hard inquiry is damaging to your credit score.” “For the most part, if you are responsible with your money and credit decisions, make payments on time, and avoid applying for a great deal of debt, credit inquiries are unlikely to have a large impact on your credit score.” “Don't let a credit pull keep you from shopping around for lower rates.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3205: Your credit score plays a crucial role in securing loans, housing, and favorable interest rates, but not all credit inquiries affect it the same way. Miranda Marquit explains the difference between harmless soft inquiries and the minor impact of hard inquiries, offering practical tips to protect your score while shopping for the best financial deals. Learn how understanding these distinctions can help you make smarter credit decisions without unnecessary stress. Read along with the original article(s) here:⁠ https://www.goodfinancialcents.com/will-credit-inquiries-hurt-your-credit-score/ Quotes to ponder: “Only the hard inquiry is damaging to your credit score.” “For the most part, if you are responsible with your money and credit decisions, make payments on time, and avoid applying for a great deal of debt, credit inquiries are unlikely to have a large impact on your credit score.” “Don't let a credit pull keep you from shopping around for lower rates.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3125: Jeff Rose highlights five often-overlooked non-medical factors that can significantly influence your life insurance premiums, offering practical advice to help you better position yourself for affordable coverage. Understanding these variables empowers you to make smarter lifestyle and financial choices that protect both your wallet and your loved ones. Read along with the original article(s) here: https://www.goodfinancialcents.com/top-5-non-medical-factors-that-affect-your-life-insurance-rates/ Quotes to ponder: "Your credit score is more than just a number to lenders; it can also impact your life insurance rates." "Some occupations, like pilots, loggers, or deep-sea fishermen, carry a higher risk in the eyes of insurance companies." "Traveling to certain countries can be seen as a red flag by life insurance underwriters." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3125: Jeff Rose highlights five often-overlooked non-medical factors that can significantly influence your life insurance premiums, offering practical advice to help you better position yourself for affordable coverage. Understanding these variables empowers you to make smarter lifestyle and financial choices that protect both your wallet and your loved ones. Read along with the original article(s) here: https://www.goodfinancialcents.com/top-5-non-medical-factors-that-affect-your-life-insurance-rates/ Quotes to ponder: "Your credit score is more than just a number to lenders; it can also impact your life insurance rates." "Some occupations, like pilots, loggers, or deep-sea fishermen, carry a higher risk in the eyes of insurance companies." "Traveling to certain countries can be seen as a red flag by life insurance underwriters." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3125: Jeff Rose highlights five often-overlooked non-medical factors that can significantly influence your life insurance premiums, offering practical advice to help you better position yourself for affordable coverage. Understanding these variables empowers you to make smarter lifestyle and financial choices that protect both your wallet and your loved ones. Read along with the original article(s) here: https://www.goodfinancialcents.com/top-5-non-medical-factors-that-affect-your-life-insurance-rates/ Quotes to ponder: "Your credit score is more than just a number to lenders; it can also impact your life insurance rates." "Some occupations, like pilots, loggers, or deep-sea fishermen, carry a higher risk in the eyes of insurance companies." "Traveling to certain countries can be seen as a red flag by life insurance underwriters." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2519: Most students expect to graduate with student loan debt, yet many fail to research how much they'll owe or what their monthly payments will be. Jeff Rose emphasizes the importance of financial conversations between parents and their college-bound children, covering crucial topics like borrowing limits, interest rates, repayment strategies, and the long-term impact of student loans. Teaching financial responsibility early can help students make smarter choices, avoid unnecessary debt, and set themselves up for a more secure future. Quotes to ponder: "Borrowing for college should never involve agreeing to ‘whatever it takes' to get the job done." "Making payments while still in school, even as small as $25 a month, can help save money over the life of the loan." "Being proactive doesn't stop once you graduate from college." Episode references: Bureau of Labor Statistics – Social Workers Salary Data: https://www.bls.gov/ooh/community-and-social-service/social-workers.htm College Ave Student Loans Student Loan Calculator: https://www.collegeavestudentloans.com/calculator/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2519: Most students expect to graduate with student loan debt, yet many fail to research how much they'll owe or what their monthly payments will be. Jeff Rose emphasizes the importance of financial conversations between parents and their college-bound children, covering crucial topics like borrowing limits, interest rates, repayment strategies, and the long-term impact of student loans. Teaching financial responsibility early can help students make smarter choices, avoid unnecessary debt, and set themselves up for a more secure future. Quotes to ponder: "Borrowing for college should never involve agreeing to ‘whatever it takes' to get the job done." "Making payments while still in school, even as small as $25 a month, can help save money over the life of the loan." "Being proactive doesn't stop once you graduate from college." Episode references: Bureau of Labor Statistics – Social Workers Salary Data: https://www.bls.gov/ooh/community-and-social-service/social-workers.htm College Ave Student Loans Student Loan Calculator: https://www.collegeavestudentloans.com/calculator/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3059: Jeff Rose reflects on his father's financial struggles, revealing how stress from debt contributed to his declining well-being and ultimate passing. By recognizing warning signs like constant financial anxiety, relying on credit to pay off credit, and frequently borrowing money, we can step in to help loved ones break the cycle before it's too late. Read along with the original article(s) here: https://www.goodfinancialcents.com/dear-dad-why-did-you-let-debt-kill-you/ Quotes to ponder: "It wasn't his heart alone that killed him, it was his debt." "If someone is using one credit card to pay the minimum payment on another, or taking out a cash advance on a card to make a payment, there are multiple problems." "Don't wait or sit back silently, hoping something will change. Become an agent of change. When you see the warning signs, speak up." Episode references: You Need a Budget App: https://www.youneedabudget.com Soldier of Finance: https://www.amazon.com/Soldier-Finance-Charge-Invest-Future/dp/0814433286 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3059: Jeff Rose reflects on his father's financial struggles, revealing how stress from debt contributed to his declining well-being and ultimate passing. By recognizing warning signs like constant financial anxiety, relying on credit to pay off credit, and frequently borrowing money, we can step in to help loved ones break the cycle before it's too late. Read along with the original article(s) here: https://www.goodfinancialcents.com/dear-dad-why-did-you-let-debt-kill-you/ Quotes to ponder: "It wasn't his heart alone that killed him, it was his debt." "If someone is using one credit card to pay the minimum payment on another, or taking out a cash advance on a card to make a payment, there are multiple problems." "Don't wait or sit back silently, hoping something will change. Become an agent of change. When you see the warning signs, speak up." Episode references: You Need a Budget App: https://www.youneedabudget.com Soldier of Finance: https://www.amazon.com/Soldier-Finance-Charge-Invest-Future/dp/0814433286 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3059: Jeff Rose reflects on his father's financial struggles, revealing how stress from debt contributed to his declining well-being and ultimate passing. By recognizing warning signs like constant financial anxiety, relying on credit to pay off credit, and frequently borrowing money, we can step in to help loved ones break the cycle before it's too late. Read along with the original article(s) here: https://www.goodfinancialcents.com/dear-dad-why-did-you-let-debt-kill-you/ Quotes to ponder: "It wasn't his heart alone that killed him, it was his debt." "If someone is using one credit card to pay the minimum payment on another, or taking out a cash advance on a card to make a payment, there are multiple problems." "Don't wait or sit back silently, hoping something will change. Become an agent of change. When you see the warning signs, speak up." Episode references: You Need a Budget App: https://www.youneedabudget.com Soldier of Finance: https://www.amazon.com/Soldier-Finance-Charge-Invest-Future/dp/0814433286 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2495: Jeff Rose breaks down exactly how much you need to save based on when you start, showing how even a few years of delay can significantly impact your monthly savings goal. Whether you plan to cover the full cost or only a portion, this guide helps parents take control of their child's financial future. Read along with the original article(s) here: https://www.goodfinancialcents.com/how-much-should-you-really-save-for-college-paying-kids-tuition-bill/ Quotes to ponder: "From the day your child is born you will have approximately 18 years to be ready for the day your son or daughter is ready for college, but the question is, how much should you save?" "The key takeaway from this information is that the earlier you start saving for your child's education, the better off they will be in their adult lives, and the more debt free they will be." "As you can see, just because you're late doesn't mean it's over. It is just a long road ahead." Episode references: College Cost Calculator: https://www.collegeboard.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2495: Jeff Rose breaks down exactly how much you need to save based on when you start, showing how even a few years of delay can significantly impact your monthly savings goal. Whether you plan to cover the full cost or only a portion, this guide helps parents take control of their child's financial future. Read along with the original article(s) here: https://www.goodfinancialcents.com/how-much-should-you-really-save-for-college-paying-kids-tuition-bill/ Quotes to ponder: "From the day your child is born you will have approximately 18 years to be ready for the day your son or daughter is ready for college, but the question is, how much should you save?" "The key takeaway from this information is that the earlier you start saving for your child's education, the better off they will be in their adult lives, and the more debt free they will be." "As you can see, just because you're late doesn't mean it's over. It is just a long road ahead." Episode references: College Cost Calculator: https://www.collegeboard.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3030: Brokers may not always have your best interests at heart, and Jeff Rose exposes the conflicts of interest that can cost you money. From hidden commissions to misleading titles, understanding these industry secrets can help you make smarter investment decisions. Learn how to protect yourself, identify trustworthy advisors, and take control of your financial future. Read along with the original article(s) here: https://www.goodfinancialcents.com/what-your-broker-financial-advisor-wont-tell-you/ Quotes to ponder: "Your broker might not have your best interest in mind when they make recommendations to you." "Your broker's success can have little relation to your own. This represents a misalignment of interests that may cause your broker to benefit at your expense." "Brokers may be using deceptive titles to give you the wrong impression about their compensation model and qualifications." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3030: Brokers may not always have your best interests at heart, and Jeff Rose exposes the conflicts of interest that can cost you money. From hidden commissions to misleading titles, understanding these industry secrets can help you make smarter investment decisions. Learn how to protect yourself, identify trustworthy advisors, and take control of your financial future. Read along with the original article(s) here: https://www.goodfinancialcents.com/what-your-broker-financial-advisor-wont-tell-you/ Quotes to ponder: "Your broker might not have your best interest in mind when they make recommendations to you." "Your broker's success can have little relation to your own. This represents a misalignment of interests that may cause your broker to benefit at your expense." "Brokers may be using deceptive titles to give you the wrong impression about their compensation model and qualifications." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3030: Brokers may not always have your best interests at heart, and Jeff Rose exposes the conflicts of interest that can cost you money. From hidden commissions to misleading titles, understanding these industry secrets can help you make smarter investment decisions. Learn how to protect yourself, identify trustworthy advisors, and take control of your financial future. Read along with the original article(s) here: https://www.goodfinancialcents.com/what-your-broker-financial-advisor-wont-tell-you/ Quotes to ponder: "Your broker might not have your best interest in mind when they make recommendations to you." "Your broker's success can have little relation to your own. This represents a misalignment of interests that may cause your broker to benefit at your expense." "Brokers may be using deceptive titles to give you the wrong impression about their compensation model and qualifications." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3007: Explore the advantages of setting up a family trust to secure your assets, streamline estate planning, and ensure your legacy is protected. This guide highlights the steps, benefits, and key considerations to help you decide if a family trust aligns with your financial goals. Read along with the original article(s) here: https://www.goodfinancialcents.com/family-trust-benefits-setting-up-trust/ Quotes to ponder: "A family trust can offer a combination of asset protection and peace of mind for generations." "Setting up a trust isn't just for the wealthy; it's for anyone who wants their assets managed with care and foresight." "A trust simplifies estate management, making it easier for your loved ones to focus on what truly matters." Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at readthejoe.com/subscribe-swap Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3007: Explore the advantages of setting up a family trust to secure your assets, streamline estate planning, and ensure your legacy is protected. This guide highlights the steps, benefits, and key considerations to help you decide if a family trust aligns with your financial goals. Read along with the original article(s) here: https://www.goodfinancialcents.com/family-trust-benefits-setting-up-trust/ Quotes to ponder: "A family trust can offer a combination of asset protection and peace of mind for generations." "Setting up a trust isn't just for the wealthy; it's for anyone who wants their assets managed with care and foresight." "A trust simplifies estate management, making it easier for your loved ones to focus on what truly matters." Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at readthejoe.com/subscribe-swap Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3007: Explore the advantages of setting up a family trust to secure your assets, streamline estate planning, and ensure your legacy is protected. This guide highlights the steps, benefits, and key considerations to help you decide if a family trust aligns with your financial goals. Read along with the original article(s) here: https://www.goodfinancialcents.com/family-trust-benefits-setting-up-trust/ Quotes to ponder: "A family trust can offer a combination of asset protection and peace of mind for generations." "Setting up a trust isn't just for the wealthy; it's for anyone who wants their assets managed with care and foresight." "A trust simplifies estate management, making it easier for your loved ones to focus on what truly matters." Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at readthejoe.com/subscribe-swap Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2974: Jeff Rose shares a cautionary tale of losing $5,000 on penny stocks due to greed, poor advice, and ignorance about the over-the-counter market's volatility. He emphasizes the importance of informed investing, avoiding high-risk ventures, and adopting long-term, passive strategies to achieve financial security. Read along with the original article(s) here: https://www.goodfinancialcents.com/lose-money-penny-stocks/ Quotes to ponder: "Greed is not always good. I was doing just fine making a decent return on my boring mutual funds, but the chance of quadrupling my money got the best of me." "It's more like traveling to a flea market in Spain and trying to bargain with a vendor even though I don't speak the language. Chances are I'm going to get screwed just like I was in this situation." "You don't conjure up strategies driven by greed to beat the market because you don't need to beat the market to meet your financial goals." Episode references: A Random Walk Down Wall Street by Burton Malkiel: https://www.amazon.com/Random-Walk-Down-Wall-Street/dp/0393358380 The Intelligent Investor by Benjamin Graham: https://www.amazon.com/Intelligent-Investor-Definitive-Value-Investing/dp/0060555661 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2974: Jeff Rose shares a cautionary tale of losing $5,000 on penny stocks due to greed, poor advice, and ignorance about the over-the-counter market's volatility. He emphasizes the importance of informed investing, avoiding high-risk ventures, and adopting long-term, passive strategies to achieve financial security. Read along with the original article(s) here: https://www.goodfinancialcents.com/lose-money-penny-stocks/ Quotes to ponder: "Greed is not always good. I was doing just fine making a decent return on my boring mutual funds, but the chance of quadrupling my money got the best of me." "It's more like traveling to a flea market in Spain and trying to bargain with a vendor even though I don't speak the language. Chances are I'm going to get screwed just like I was in this situation." "You don't conjure up strategies driven by greed to beat the market because you don't need to beat the market to meet your financial goals." Episode references: A Random Walk Down Wall Street by Burton Malkiel: https://www.amazon.com/Random-Walk-Down-Wall-Street/dp/0393358380 The Intelligent Investor by Benjamin Graham: https://www.amazon.com/Intelligent-Investor-Definitive-Value-Investing/dp/0060555661 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2974: Jeff Rose shares a cautionary tale of losing $5,000 on penny stocks due to greed, poor advice, and ignorance about the over-the-counter market's volatility. He emphasizes the importance of informed investing, avoiding high-risk ventures, and adopting long-term, passive strategies to achieve financial security. Read along with the original article(s) here: https://www.goodfinancialcents.com/lose-money-penny-stocks/ Quotes to ponder: "Greed is not always good. I was doing just fine making a decent return on my boring mutual funds, but the chance of quadrupling my money got the best of me." "It's more like traveling to a flea market in Spain and trying to bargain with a vendor even though I don't speak the language. Chances are I'm going to get screwed just like I was in this situation." "You don't conjure up strategies driven by greed to beat the market because you don't need to beat the market to meet your financial goals." Episode references: A Random Walk Down Wall Street by Burton Malkiel: https://www.amazon.com/Random-Walk-Down-Wall-Street/dp/0393358380 The Intelligent Investor by Benjamin Graham: https://www.amazon.com/Intelligent-Investor-Definitive-Value-Investing/dp/0060555661 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2887: Jeff Rose candidly shares his experience of failing as a financial advisor during the 2008 market crash, highlighting the emotional toll of watching a client make a detrimental decision. His story underscores the importance of financial literacy and the dangers of relying solely on an advisor without understanding the market risks and long-term investment strategies. Read along with the original article(s) here: https://www.goodfinancialcents.com/one-of-the-times-i-failed-as-a-financial-advisor/ Quotes to ponder: "There have been many times I have failed as a financial advisor, but there is one instance that still haunts me to this day." "It finally hit the bottom on March 9th, 2009, but obviously, no one knew that." "At the end of the day, it's your money and you're in charge and I'll do what you want me to do." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2887: Jeff Rose candidly shares his experience of failing as a financial advisor during the 2008 market crash, highlighting the emotional toll of watching a client make a detrimental decision. His story underscores the importance of financial literacy and the dangers of relying solely on an advisor without understanding the market risks and long-term investment strategies. Read along with the original article(s) here: https://www.goodfinancialcents.com/one-of-the-times-i-failed-as-a-financial-advisor/ Quotes to ponder: "There have been many times I have failed as a financial advisor, but there is one instance that still haunts me to this day." "It finally hit the bottom on March 9th, 2009, but obviously, no one knew that." "At the end of the day, it's your money and you're in charge and I'll do what you want me to do." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2855: Jeff Rose's article on GoodFinancialCents.com reveals how an umbrella insurance policy, often misconceived as a luxury for the wealthy, offers essential financial protection by covering gaps left by standard policies. He explains its affordable premiums and extensive coverage, urging readers to consider this policy to safeguard their assets against unforeseen liabilities. Read along with the original article(s) here: https://www.goodfinancialcents.com/personal-umbrella-insurance-policies-protection/ Quotes to ponder: "Umbrella insurance policies cover the gaps left by your existing insurance coverage." "The modest annual premium for a substantial coverage amount is a small price for peace of mind and financial security." "In navigating the unpredictable avenues of life, especially in a litigious society, having a cushion against unforeseen liabilities is wise." Episode references: Investopedia on Umbrella Insurance: https://www.investopedia.com/terms/u/umbrella-insurance-policy.asp Insurance Information Institute: https://www.iii.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2855: Jeff Rose's article on GoodFinancialCents.com reveals how an umbrella insurance policy, often misconceived as a luxury for the wealthy, offers essential financial protection by covering gaps left by standard policies. He explains its affordable premiums and extensive coverage, urging readers to consider this policy to safeguard their assets against unforeseen liabilities. Read along with the original article(s) here: https://www.goodfinancialcents.com/personal-umbrella-insurance-policies-protection/ Quotes to ponder: "Umbrella insurance policies cover the gaps left by your existing insurance coverage." "The modest annual premium for a substantial coverage amount is a small price for peace of mind and financial security." "In navigating the unpredictable avenues of life, especially in a litigious society, having a cushion against unforeseen liabilities is wise." Episode references: Investopedia on Umbrella Insurance: https://www.investopedia.com/terms/u/umbrella-insurance-policy.asp Insurance Information Institute: https://www.iii.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3289: During uncertain times of job instability, Jeff Rose from GoodFinancialCents.com offers practical strategies to help you navigate a layoff. His advice includes building a substantial emergency fund, avoiding unnecessary debt repayment, tightening your budget, considering alternative benefits, and exploring career transitions. By focusing on what you can control, you can better manage financial stress and prepare for future opportunities. Read along with the original article(s) here: https://www.goodfinancialcents.com/how-to-prepare-for-layoff-laid-off/ Quotes to ponder: "Saving emergency cash is crucial; aim for at least 12 months of savings in cash." "Paying off debt should not be the priority, especially if you are unemployed. The priority is to keep your savings intact and have plenty of cash on hand." "Consider social media platforms like LinkedIn to reconnect with old networks and create new ones." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3289: During uncertain times of job instability, Jeff Rose from GoodFinancialCents.com offers practical strategies to help you navigate a layoff. His advice includes building a substantial emergency fund, avoiding unnecessary debt repayment, tightening your budget, considering alternative benefits, and exploring career transitions. By focusing on what you can control, you can better manage financial stress and prepare for future opportunities. Read along with the original article(s) here: https://www.goodfinancialcents.com/how-to-prepare-for-layoff-laid-off/ Quotes to ponder: "Saving emergency cash is crucial; aim for at least 12 months of savings in cash." "Paying off debt should not be the priority, especially if you are unemployed. The priority is to keep your savings intact and have plenty of cash on hand." "Consider social media platforms like LinkedIn to reconnect with old networks and create new ones." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3289: During uncertain times of job instability, Jeff Rose from GoodFinancialCents.com offers practical strategies to help you navigate a layoff. His advice includes building a substantial emergency fund, avoiding unnecessary debt repayment, tightening your budget, considering alternative benefits, and exploring career transitions. By focusing on what you can control, you can better manage financial stress and prepare for future opportunities. Read along with the original article(s) here: https://www.goodfinancialcents.com/how-to-prepare-for-layoff-laid-off/ Quotes to ponder: "Saving emergency cash is crucial; aim for at least 12 months of savings in cash." "Paying off debt should not be the priority, especially if you are unemployed. The priority is to keep your savings intact and have plenty of cash on hand." "Consider social media platforms like LinkedIn to reconnect with old networks and create new ones." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2811: Miranda Marquit of GoodFinancialCents.com outlines the critical mistakes to avoid when consolidating debt, such as misusing newly available credit and not changing spending habits. Her advice helps ensure debt consolidation serves as a pathway to financial stability rather than a setback. Read along with the original article(s) here: https://www.goodfinancialcents.com/avoid-pitfalls-of-debt-consolidation/ Quotes to ponder: "Debt isn't the problem; it's a symptom of your spending problem." "Don't use your freed-up lines of credit unless you are done paying off your debt consolidation loan, and your spending is under control." "Missteps, such as falling back into old spending habits or mistaking settlement for consolidation, can exacerbate financial woes." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2811: Miranda Marquit of GoodFinancialCents.com outlines the critical mistakes to avoid when consolidating debt, such as misusing newly available credit and not changing spending habits. Her advice helps ensure debt consolidation serves as a pathway to financial stability rather than a setback. Read along with the original article(s) here: https://www.goodfinancialcents.com/avoid-pitfalls-of-debt-consolidation/ Quotes to ponder: "Debt isn't the problem; it's a symptom of your spending problem." "Don't use your freed-up lines of credit unless you are done paying off your debt consolidation loan, and your spending is under control." "Missteps, such as falling back into old spending habits or mistaking settlement for consolidation, can exacerbate financial woes." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2783: Jeff Rose explains why annuities, typically seen as suitable for older individuals, may not be the best investment for young people due to their limited growth potential and penalties for early withdrawal. While annuities might provide some benefits within a diversified portfolio, Rose emphasizes the superior advantages of Roth IRAs and 401(k)s for young investors. Read along with the original article(s) here: https://www.goodfinancialcents.com/should-you-buy-annuity/ Quotes to ponder: "One of the best things that my mom ever did for me as a young adult was to start an investment strategy for me." "Why does a 24-year-old need a fixed annuity? Turns out it was a very legitimate question." "If you're young and don't mind some fluctuation in your investments, it's hard for me to make the case that an annuity makes sense." Learn more about your ad choices. Visit megaphone.fm/adchoices

Michael Gardon is a 3x entrepreneur and creator of The Break Community on Careercloud.com where he inspires, supports, and coaches a community of 14,000+ to break work and break their limits in order to build purposeful lives. In 2018, Mike decided work wasn't working for him, so he engineered his BREAK, taking his ‘side hustle' from nothing to full-time escape from corporate work, and then scaling it into a million-dollar business that fuels his purpose. The framework he built is called Advantage Mapping and it serves as the foundation for supporting his community through their own work-life explorations. Mike is also the founder of Quotebook, a journal that brings families together by remembering to be silly. Mike is an advocate of remote work and intentional work-life integration. You can see Mike's writing and media mentions on investing, startups, life and work across the internet on these sites: The Simple Dollar, Reviews.com, The Huffington Post, Forbes, Business Insider, Yahoo News, GoBankingRates, Ask Men, Cosmopolitan, Discover Financial, The Penny Hoarder, Good Financial Cents, and more. Mike's Website: CareerCloud | Build the career you've been dreaming about. From James: FREE Passive Income Masterclass (profityourknowledge.com)

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2743: Miranda Marquit of GoodFinancialCents.com presents three actionable steps for financing your college education effectively. This guide explores options from scholarships and grants to federal and private student loans, helping students navigate the complexities of funding higher education amidst rising costs. Read along with the original article(s) here: https://www.goodfinancialcents.com/paying-for-college-financing-priorities/ Quotes to ponder: "Your first efforts should be geared toward getting free money to help you pay for college." "Before you go to a bank, it might be worth it to check the terms you can get with peer-to-peer lending." "Finding financing for college isn't always easy and it can be expensive." Episode references: FastWeb: https://www.fastweb.com/ Tuition U: https://planning.colleging.com/cu/tuition-u-direct FAFSA - Free Application for Federal Student Aid: https://studentaid.gov/h/apply-for-aid/fafsa Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2711: Dive into the insightful strategies Miranda Marquit shares in "3 Early Retirement Planning Ideas" to fast-track your path to financial independence. Explore practical steps like disciplined saving and investing, creating multiple income streams, and embracing mini-retirements to retire earlier than you might expect. Read along with the original article(s) here: https://www.goodfinancialcents.com/3-early-retirement-planning-ideas/ Quotes to ponder: "Disciplined investing involves considering how much you need in your portfolio to create an income stream you can live off of." "Start cultivating multiple income streams now, so they are established and mostly automatic by the time you are ready for early retirement." "If you want to enjoy life now and aren't concerned about having a huge chunk of time to try and kill when you are older, you can plan to take mini-retirements." Episode references: The 4-Hour Workweek: https://www.amazon.com/4-Hour-Workweek-Escape-Live-Anywhere/dp/0307465357 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2671: Jeff Rose of GoodFinancialCents.com demystifies mortgage points, shedding light on their potential benefits and drawbacks. He navigates through the intricacies of buying points to lower interest rates, the considerations of homeownership duration, and the fluctuating real estate market, offering valuable insights for those pondering this financial decision. Read along with the original article(s) here: https://www.goodfinancialcents.com/mortgage-points-should-you-buy-them-what-are-they/ Quotes to ponder: "Pay $3,000 for a point now, and you could save that much and more later on over the course of the loan." "The real value of a point is not always so simply calculated." Episode references: IRS Topic no. 504, Home mortgage points: https://www.irs.gov/taxtopics/tc504 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2639: Jeff Rose of GoodFinancialCents.com offers pivotal guidance on the contemplations needed before taking out a personal loan. Highlighting the importance of understanding one's financial goals, the amount needed, and the terms of repayment, Rose's insights aim to empower individuals to make informed, strategic decisions about borrowing, ensuring financial health and stability. Read along with the original article(s) here: https://www.goodfinancialcents.com/questions-to-ask-when-applying-for-loan/ Quotes to ponder: "Before you take out a personal loan, take a close look at your financial picture to determine if it's the right financial tool for your needs." "While personal loans can provide cash for many different needs, it's important to make sure you only borrow what you can afford to repay." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2593: Jeff Rose of GoodFinancialCents.com explores the advantages of rolling over a 401(k) into an IRA, highlighting benefits like a wider range of investment choices, streamlined financial management, better control over retirement income, and more flexibility in handling required minimum distributions. Read along with the original article(s) here: https://www.goodfinancialcents.com/should-your-rollover-your-401k-into-an-ira/ Quotes to ponder: "Once you roll over to an IRA, you have some discretion, as far as how much taxes you want to be withheld from your distributions." "Having more investment choices to me is the biggest reason why you should do this." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2551: Ben Feldman of GoodFinancialCents.com delves into the transformative power of delayed gratification, a crucial component for achieving financial success. He unravels how childhood experiences shape our attitudes towards money, emphasizing the need to shift from immediate rewards to long-term financial goals. The article offers practical strategies for aligning values with financial objectives, using imagination and tangible reminders to make future rewards feel more real and attainable. Read along with the original article(s) here: https://www.goodfinancialcents.com/how-to-master-the-art-of-delayed-gratification/ Quotes to ponder: "The ability to delay gratification is the true key to financial success." "To shift your mindset, one of the most powerful tools in your arsenal will be your imagination." "Creating tangible reminders of your objectives reinforces commitment." Learn more about your ad choices. Visit megaphone.fm/adchoices