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We're taking some time to highlight some of our best Gymsplain Episodes, like this one detailing exactly what an emergency fund is and why everyone needs one! Life throws curveballs when we least expect them, and having a safety net can make all the difference. But what exactly is an emergency fund, and why should you have one? We'll break it down in simple terms and show you how these funds can be your financial cornerstone in times of crisis. From unexpected medical bills to car repairs that catch you off guard, having an emergency fund is crucial. Garrett and Sam will guide you through the process of determining the right amount to save based on your budget, where to keep your emergency fund, and discuss saving vs. paying down debt. For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com. Resources BFF Approved High-Yield Savings Accounts When Should You Use Your Emergency Fund How to Save Your First $1000 in Emergency Savings How to Build an Emergency Fund and Why You Need One Meet The Trainers Meet Garrett Faulconor, Level 3 Certified Financial Trainer Meet Sam Cash, Level 2 Certified Financial Trainer
Layoffs, inflation, and rising costs are rewriting the rules of emergency savings. In this episode, Jess & Brandon break down why the old "3-month cushion" no longer cuts it—and what you actually need instead.You'll learn:Why experts now recommend a 12-month emergency fundHow to separate wants vs. needs when calculating your savings targetWhy investments ≠ emergency savings (and what to do instead)5 practical strategies to build your fund faster—without burnoutHow to turn a daunting goal into doable milestonesWhether you're starting from scratch or leveling up, this episode gives you a clear, no-fluff plan to create real financial security in uncertain times.Listen now and take the first step toward peace of mind and real financial freedom.Visit prenups.com/sugardaddy to learn more about fair prenups that help couples plan for a healthy financial relationship.Watch this episode in video form on YouTubeTo apply to be a guest on the showYou can email us at: thesugardaddypodcast@gmail.comBe sure to connect with us on socials @thesugardaddypodcast we are most active on InstagramLearn more about Brandon and schedule a free 30-minute introductory call with him Please remember to subscribe, rate, and review.Notes from the show:Ready for your own HYSA, use our Ally link Open your high yield account with Wealthfront
Want to make your savings work harder for you without lifting a finger? In this episode, we're taking it back to basics and discussing High-Yield Savings Accounts (HYSAs)—what they are, why they matter, and how they can help you grow your emergency fund and sinking funds faster than a traditional savings account. If your money is sitting in a regular savings account earning pennies, it's time to upgrade! I'll cover why HYSAs are a game-changer for savings, how to use them strategically for financial goals, and the difference between an emergency fund (for life's unexpected hits) and sinking funds (for planned expenses like car repairs and vacations). Plus, you'll get motivated to open your HYSA today so you can start earning higher interest ASAP. Don't let your hard-earned cash sit idle—tune in and take action! Open your HYSA through Wealthfront with this link for an additional 0.50% boost to your APY for 3 months: https://www.wealthfront.com/c/affiliates/invited/AFFD-4T9D-S98P-EC65 Are you just beginning your journey to financial independence and want to learn more? Download your FREE copy of the PA the FI Way Beginner's Workbook here! Website / Blog: pathefiway.com Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Connect on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/ Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway Questions or thoughts about the show? Email pathefiway@gmail.com Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway Keywords: physician associate , physician assistant , physician assistant financial independence , physician associate financial independence , physician assistant finances , physician associate finances , physician assistant finance , physician associate finance , physician assistant money , physician associate money , physician assistant school , physician associate school , PA school , PA-S , PA-C , pre-PA , physician assistant student , physician associate student
In this episode of Money on My Mind, I answer Bowen Bergenfield's question: “Should you invest or use a high-yield savings account (HYSA) for a big purchase?” I break down the decision using S&P 500 historical data, explain the 5-year rule for saving vs. investing, and share my experiences to help you make the best financial choice. This episode is all about using index funds for short-term goals, and why it's usually better to stick with high-yield savings accounts (HYSAs) if you're planning for anything less than 5 years out. We're diving into the data to help you make the most of your savings and minimize risk when you're saving up for something big. Key Talking Points of the Episode 00:00 Introduction 01:17 The 5-year rule: Why 5 years is the tipping point for saving vs. investing 02:18 S&P 500 historical risk and return from 1926 to 2024 04:18 The risk of having 1 in 4 chances of losing money in a one-year period 05:59 Why it makes sense to invest long-term 07:16 What you can use your HYSA for 08:02 When to consider alternatives like CDs for short-term goals Quotables “For any goal under five years, I always use a high-yield savings account—no question.” “If you need the money in the next few years, don't gamble it. Protect it in a safe account.” “Focus on your goal, stay disciplined, and don't try to outsmart the market for short-term savings.” Links https://bookwithbudgetdog.com/ped Budgetdog https://budgetdog.com
*previously recorded on 03/15/24, but still relevant* Last week we talked about creating quarterly financial goals with a fun activity, and we thought it would be a good time to also revisit your risk tolerance with this episode we did on the “risk pyramid.”At the time of recording, The Fed still didn't cut interest rates, but projected they would 3 times, so it was a great time to lock in the higher rates that we saw in fixed income securities (bonds, etc) up until several months ago. Did you notice your HYSA interest rate has come down since then? We did prepare you for that, so if you're not able to stay updated on everything going on in the markets and with The Federal Reserve, you might want to subscribe to the podcast.
High-yield savings accounts (HYSAs) are creating buzz in the business world, and for good reason! In this episode, Danielle Hayden, CPA and founder of Kickstart Accounting, Inc., dives into how high-yield savings accounts can help business owners make the most of their cash reserves. With action steps you can take today, Danielle lays out how to use HYSAs as a smart, low-risk tool for growing your money while still keeping it accessible. Have your money work for you as it sits in savings! Key Takeaways: What is a High-Yield Savings Account (HYSA): Danielle explains how HYSAs differ from traditional accounts and why they're a smart choice for short-term savings, earning you hundreds, or even thousands, of dollars in interest with minimal effort. Key Considerations When Choosing an HYSA: Transfer times: How long it takes to move funds back to your checking account. Transaction limits: Planning around monthly withdrawal caps to avoid penalties. FDIC insurance: Ensuring your money is protected. Common Pitfalls to Avoid: Why your account name matters for proper accounting and legal compliance. The difference between business and personal savings and how to ensure you're staying tax-compliant. Action Steps: Open a high-yield savings account for your business if you haven't already. Ensure your account is in the correct name (business or personal) based on your savings purpose. Review your current cash savings strategy and evaluate your options to choose an HYSA that aligns with your financial goals. Topics Discussed: What is a High-Yield Savings Account (HYSA)? (00:00:23 – 00:01:10) Benefits of HYSAs for Business Owners (00:01:10 – 00:02:03) Choosing the Right HYSA (00:02:03 – 00:03:30) The Financial Impact of HYSAs (00:03:30 – 00:04:24) Proper Use and Compliance Tips (00:06:24 – 00:09:05) Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks Facebook | https://www.facebook.com/kickstartaccountinginc
High-yield savings accounts (HYSAs) are creating buzz in the business world, and for good reason! In this episode, Danielle Hayden, CPA and founder of Kickstart Accounting, Inc., dives into how high-yield savings accounts can help business owners make the most of their cash reserves. With action steps you can take today, Danielle lays out how to use HYSAs as a smart, low-risk tool for growing your money while still keeping it accessible. Have your money work for you as it sits in savings! Key Takeaways: What is a High-Yield Savings Account (HYSA): Danielle explains how HYSAs differ from traditional accounts and why they're a smart choice for short-term savings, earning you hundreds, or even thousands, of dollars in interest with minimal effort. Key Considerations When Choosing an HYSA: Transfer times: How long it takes to move funds back to your checking account. Transaction limits: Planning around monthly withdrawal caps to avoid penalties. FDIC insurance: Ensuring your money is protected. Common Pitfalls to Avoid: Why your account name matters for proper accounting and legal compliance. The difference between business and personal savings and how to ensure you're staying tax-compliant. Action Steps: Open a high-yield savings account for your business if you haven't already. Ensure your account is in the correct name (business or personal) based on your savings purpose. Review your current cash savings strategy and evaluate your options to choose an HYSA that aligns with your financial goals. Topics Discussed: What is a High-Yield Savings Account (HYSA)? (00:00:23 – 00:01:10) Benefits of HYSAs for Business Owners (00:01:10 – 00:02:03) Choosing the Right HYSA (00:02:03 – 00:03:30) The Financial Impact of HYSAs (00:03:30 – 00:04:24) Proper Use and Compliance Tips (00:06:24 – 00:09:05) Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks Facebook | https://www.facebook.com/kickstartaccountinginc
Join Jen Carlson as she shares the faithfulness of God through life's trials and encourages simple, heartfelt hospitality. Even if you're not a natural planner, Jen offers easy practical tips for creating simple yet delicious recipes that can feed a crowd. Jen gives advice on creating a welcoming space with interior design ideas, cozy lighting, and good music. Plus, she shares how her hospitality influencers inspired her along the way. You'll be inspired too! We're so glad you're here! Visit www.comeoverfordinner.com for recipes, product links, and more!
¿Tu dinero está perdiendo valor en una cuenta de ahorros tradicional? En este episodio te explico todo lo que necesitas saber sobre las High-Yield Savings Accounts (HYSA): cómo funcionan, sus beneficios, y por qué son una excelente alternativa para optimizar tus ahorros sin asumir grandes riesgos. Descubre: Qué es una HYSA y cómo maximiza el rendimiento de tu dinero. Cómo elegir la mejor opción en el mercado actual. Las diferencias clave entre una cuenta tradicional y una de alto rendimiento. Consejos prácticos para dar un empujón a tu colchón financiero. Si buscas una forma inteligente de proteger y rentabilizar tu fondo de emergencia o dinero de corto plazo, este episodio es para ti. Optimiza tus ahorros, supera la inflación y haz que tu dinero trabaje por ti.
We review two listener case studies, share their financial situations and backgrounds, and answer their questions about how to move forward with their finances. Andrew joins this week's podcast as we talk about: - If you should renew a term life insurance policy in your 70s - The importance of accessing your 401K and other retirement accounts and understating what you're invested in - Whether or not you should pay for your house - What to do if you feel behind on your finances - Running a retirement calculator to see when you could potentially retire - Investing in a HYSA vs. stocks when you're in your 70s - What to do if you're too cash-heavy - How to get started with a 529 plan - The tradeoff of buying a larger home or retiring earlier - High-yield savings accounts, maxing out your 401Ks, and more! Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/087-case-studies-where-to-focus-when-youre-feeling-investing-life-insurance-and-paying-off-your-mortgage-in-your-70s/
Hi Besties! Search THE FIRST MILLION PODCAST on YouTube for visual episodes!Socials //Instagram + Tiktok (Coaching/Business) : @Emilywoods_coachingInstagram + Tiktok (podcast) : @thefirstmillion_podcast IG + TT (Personal): @emilyclairewoods Book a free 30 minute strategy call with me: https://calendly.com/emilywoodswellness/free-30-minute-strategy-call-with-emLooking for an entry point into online health coaching? Use the code EMILYCOACHING for $750 off your MindBodyGreen Health Coach Certification enrollment through this link: https://institute.mindbodygreen.com/health-coach-certification All courses + Resources: https://linktr.ee/emilywoodswellness
Join Chris Kaminski & Hao Dang as they discuss:➡️Longshoremen union still holding out➡️Tesla's robo taxi➡️Social Security tax limits for 2025➡️Boeing lays off 10% of workforce➡️High-yield savings dropping like a rockTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures
Whether you're Type A and love having every detail planned, or Type B and prefer going with the flow, this episode is packed with practical tips on how to handle those unexpected expenses without turning to your “emergency” credit card. * Eileen shares her personal experiences of home repairs, surprise expenses, and how shifting to an emergency cash mindset can help you avoid unnecessary debt. * You'll learn why having a fully stocked emergency fund is critical for financial peace of mind, along with five easy steps to get started. * Plus, Eileen reveals why using a high-yield savings account (HYSA) is the smartest move to help grow your savings faster. * Listen in as she offers straightforward advice to ensure you're ready for whatever life throws your way—without burning through your savings or stressing about interest rates. * 1:1 Financial Coaching Free Consultation https://momswhomoney.com/1-1-consulting * 90-Minute Financial Power Session https://calendly.com/momswhomoney/90-minute-financial-power-session * FREE Guide: 5 Steps to Save $1,000 This Month www.momswhomoney.com/save * Get to know Eileen CFEI® CFLP℠ https://www.momswhomoney.com https://www.instagram.com/eileenjoymoneycoach/ https://www.facebook.com/EileenJoyMoneyCoach/ https://www.linkedin.com/in/momswhomoney/
Today's episode features Liran Eliner from Cache AI. Cache is a modern personal finance tool aimed to help folks automate their personal finance outcomes and goals. We chat about the power in having a seamless product to help you take back your time and how automation can be a benefit to folks. Make sure you listen all the way through because there is a special promo for the Toasties you'll want to hear about! Enjoy! In this episode, we chat about: Automation in personal finance management The importance of HYSA accounts Common misconceptions about automation and investing CONNECT WITH TODAY'S GUEST: Dr. Liran Eliner holds a PhD from Harvard, where he studied the financial decisions of individuals. As part of his PhD, Liran focused on the effects of recent trends and events, such as heavier-than-ever social media use, widespread working from home, and more, on people's financial behavior and outcomes. Today, Liran is the Founder & CEO of Cache, an innovative financial technology company at the forefront of introducing automation to improve personal financial outcomes. Unlike other personal finance apps that focus on advice and recommendations, Cache recognizes that not everyone has the time or motivation to manage their finances on a daily basis, and therefore introduces automation as a tool to help people make better, and in most cases optimal, financial decisions. mycache.ai Facebook Instagram X/Twitter Linkedin ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple. They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU! Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing
OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links Birks I got: https://www.birkenstock.com/us/-boston-soft-footbed-suede-leather/boston-suede2-suedeleather-softfootbed-eva-u_2215.html On this episode of DDOD, Michela shares an update on her moving plans, her current favorites, and answers a few of your questions about dating, HYSA, writing a book, getting confident on social media, and more!
One listener writes in, "I have my HYSA, my 401(k) plus employer match, a Roth IRA, and now am saving for a down payment. I'm worried I'm lopsided and over-saved for retirement." But is she actually saving too much? Hear Katie's hot take. (Reminder: We are not licensed financial professionals, and this is not financial advice. Please do your own due diligence.) Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week. Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/oversaving. Money with Katie's mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs. Learn more about your ad choices. Visit megaphone.fm/adchoices
"I have freed up an extra $700 a month to pay off 30k (3.9%) car. Is it better to make an extra $700 payment each month or save in HYSA at 4.5% until I have enough to pay it off? The minimum payment is $580 for 60 months." We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.
Stock Market Update (SMU) Let's discuss and demystify the recent volatility in the stock market, NVDA earnings, Jackson Hole highlights including rate cuts, and the dreaded "R" word (recession).
Everyone should keep their savings, emergency funds, and extra cash in a high-yield savings account (HYSA) to optimize their money. High-yield savings accounts are paying as high as 5.5% interest and have been for over a year. Make sure you're taking advantage of this and maximizing your growth potential! Liz joins this week's podcast as we talk about: - What is a high-yield savings account and why you should have one - Why high-yield savings accounts are a safe place to keep your money - FDIC Insurance - How banks make money - Why online or digital banks can afford to pay higher interest rates - Our favorite high-yield savings accounts Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/072-the-best-financial-advice-no-one-wants-to-take-move-your-money-to-a-high-yield-savings-account-already/
This week: Is it worth transferring savings from your current bank to a high-yield savings account (HYSA)? Given a new law, is it wise to roll over unused 529 dollars into a Roth IRA? How can parents raise kids to be “So Money®?”Subscribe to Farnoosh's new podcast: Better Business.Sign up for Farnoosh's newsletter here and instantly get a copy of So Money® Secrets, a compilation of the best advice shared on the podcast.The episode is an encore from March 3, 2023.
HYSA vs. CD Article: https://www.ally.com/stories/save/cd-vs-savings-account/ OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links On this episode of DDOD, Michela shares 5 tips to navigate and prepare for a recession. There were many compounding factors that have led to this point and unfortunately we are on the edge of what could be another recessionary period. If you are feeling concerned and are seeking tips on how to prepare your finances and your career for a recession, this is for you! She covers: -How to take a financial snapshot -How to evaluate your cash position -Why you should prioritize your debt -How to find areas in your budget to reduce -Why you need to uplevel your skillset
We recorded this on 08/01/2024, knowing that unemployment numbers will not drop until this podcast airs on 08/02/2024, and that might also change so keep that in mind. **Employment Report Update from Jess** Fed's View on Labor Market: Fed Chair Jerome Powell stated that the changes in the labor market are "broadly consistent with a normalization process." However, policymakers are closely watching for signs of deeper issues. Unemployment Report Highlights: Unemployment Rate: Jumped to 4.3% in July, the highest in nearly three years. Hiring Slowdown: Significant reduction in hiring activities. Concerns: Increased fears of a weakening labor market and potential recession. Trend: This is the fourth consecutive monthly increase in unemployment, rising from a five-decade low of 3.4% in April 2023. Cause: The slowdown is driven by weak hiring rather than layoffs. Following the release of the employment data: U.S. Treasury yields dropped, meaning bond prices rose and we are in a sell off. Fed Meeting Notes aka The Powell-Point Fed Chairman Jerome Powell announced on the latest FOMC press conference that there will NOT be any rate cuts. We're shocked, really. Let's go through the data! It's no secret that most of us Americans are feeling the impact of higher rates to borrow money and inflation. But finally! It's not just us smaller consumers feeling the heat, larger companies are as they reported revenue declines. And if the big companies feel it, they will have to make some changes. Price Stability + Max Employment & Event Risk Something feels broken. The Fed has a toolkit to use when something is broken. Which means: rate cuts! What does it mean for you? We might see some sell-off in certain sectors. But that is normal rotation. Remember, this is not financial advice, but we have some episodes on What Is Inflation, CD Laddering, Bond ETFs, Are We In a Recession, etc., for you to understand what happens when the Yield Curve is de-inverted and what happens when rates inevitably get cut. Are you going to move your HYSA money into a Treasury, CD Ladder, or Bond Fund? Investing Rollercoaster DON'T be an emotional investor. You are buckled in for the long ride. The full rollercoaster. Time in the market is the most important and we've seen that even though the market goes up and down, the S&P 500 has continued to go up over the history of time. Also, when rates get cut, it usually trickles down to us with more competitive loan prices (auto loan, home loans, etc.) Still Have More Questions or a Comment?
TRAVEL WITH US: Our GTM Retreat has spots left! If you want to travel with like-minded women, we're headed to Colombia in Feb 2025. Use code GROUPS200 for $200 off your trip and find all trip details here: https://www.efultimatebreak.com/trips/colombia-escape-private-departure Earn more on your savings with a HYSA! Learn more and compare: http://savingsrates.org/girlstalkmoney-save In this episode, we're giving you all the life lessons we've learned so far as two 25-year-old gals. From business, to life, to friendships, to money—we're diving into it all (well, we're breaking it up into parts because we're yappers…but ya get the point). If you enjoyed this episode, please rate and review the podcast. We appreciate your support!
Yeah, I bet they have cuz lil boi got rolled. Did he do this on his own or was he prompted to do this? For me, it's tone deaf and I have to wonder what the thought process was. I'm sure he had no negative intent, but good grief.Had I been allowed to comment, I would have reminded everyone of the time when Phil Gramm told the US that we were in "a mental recession" and not a real recession back in 2008.
En este episodio Sylka y Maria contestan las preguntas mas frecuentas sobre los high yield savings accounts o cuentas de ahorros de alto rendimiento. Participa del reto de ahorros para fin de año, registrate seleccionando aqui mismo Algunas de las preguntas frecuentes sobre las cuentas de ahorros son: ¿Que es un HYSA? ¿Donde se abre? ¿Cuanto dinero puedo depositar en estas cuentas? ¿Estas cuentas tienes restricciones para poner y sacar dinero? ¿Cual es el beneficio? ¿como la uso? ¿Estas cuentas son aseguradas? ¿Me cobran por tener esta cuenta? ¿Que tengo que mirar cuando este seleccionando la cuenta que quiero? ¿Estás ready para obtener educación financiera en español? Mira todos los recursos que tengo para tí ⬇ https://dineroenspanglish.com/recursos DISCLAIMER: el contenido de Dinero en Spanglish el podcast, todos sus episodios y contenido compartido en el website y las redes sociales, es para efectos educativos solamente. Te comparitmos nuestra opinión y perspectivas relacionadas a temas de dinero y finanzas personales, pero no reemplaza la consulta con un asesor financiero, abogado y/o contador. --- Send in a voice message: https://podcasters.spotify.com/pod/show/dineroenspanglish/message Support this podcast: https://podcasters.spotify.com/pod/show/dineroenspanglish/support
In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! What are the best budgeting apps? Should I want growth or income? Am I too late to retire wealthy? Mega Backdoor Roth Solo 401k? Should I buy stocks or real estate? Difference between SPYI and real estate? How do I pay off $100K in student loans? HYSA vs. T-Bills? What happens to ETFs when a stock splits? --- Subscribe to the Rich Habits Newsletter, click here! --- Public has finally launched options trading on their platform! To create an account and begin trading options, click here! --- Register for our Options Trading webinar on June 4th with Public, click here! --- Check out Yahoo Finance, click here! --- Open an account with Carry, click here! --- ⭐ Download our FREE Budgeting Template – click here ⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here ⭐ Trade stocks, options, music royalties and crypto on Public – click here ⭐ Automatically buy stock where you shop with Grifin – click here ⭐ Protect your family with term life insurance from Suriance – click here ⭐ Use code “Spotify” for 15% off our 4-module video course – click here ⭐ Optimize your portfolio with Seeking Alpha – click here ---
Want to get your kids more interested in investing but don't know where to start? In today's episode, Allegra is joined by Erika S., who has been talking to her kids about money since they were in the crib. Fast-forward 16 years, and her oldest has just opened a HYSA and is well on her way to a million-dollar net worth! Erika S. lays out her strategies for getting kids curious about wealth building from an early age and all the incredible takeaways she's gained from the Factora Community. LISTEN TO LEARN: 06:25 Talking to kids about money 17:15 Opening an HYSA for her 19-year-old 19:30 Why HYSAs are so effective 23:00 Takeaways from Factora RESOURCES Join the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101 FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!
Today's 'Fuck Yeah Friday' highlights personal victories and community successes. Discover how Jeanne expertly navigates pricing strategies and learn about Adrienne's proactive financial adjustments, alongside exciting updates on the OPC Summer Camp. Lesley emphasizes the importance of celebrating wins, no matter the size, showing how even small actions can make a significant impact. End your week on a high note with a special affirmation to uplift and inspire you to Be It Till You See It.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe.In this episode you will learn about:Jeanne manages price adjustments and cancellations effectively.Adrienne improves financial planning and personal achievements.Exciting details and early announcement to kick off OPC Summer Camp.Why celebrating all wins, big or small, is crucial for positive impact.Episode References/Links:Tess Waresmith EpisodeOPC Summer Camp If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. DEALS! Check out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox Be in the know with all the workshops at OPCBe It Till You See It Podcast SurveyBe a part of Lesley's Pilates MentorshipFREE Ditching Busy Webinar Resources:Watch the Be It Till You See It podcast on YouTube!Lesley Logan websiteBe It Till You See It PodcastOnline Pilates Classes by Lesley LoganOnline Pilates Classes by Lesley Logan on YouTubeProfitable Pilates Follow Us on Social Media:InstagramFacebookLinkedIn Episode Transcript:Lesley Logan 0:00 It's Fuck Yeah Friday. Brad Crowell 0:01 Fuck yeah. Lesley Logan 0:02 Get ready for some wins. Lesley Logan 0:05 Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 0:46 Hey, Be It babe, Happy May 17th. How are you? Welcome back to The Fuck Yeah Friday episode. This is where I share wins of yours, wins of mine and an affirmation to kickstart our weekend because there are always things that are good that are happening in your life even when the (ish) has hit the fan, there's something good that's going to come from everything. So there's always balance and what we need to focus on is the good stuff because there's plenty of bad. Your friends will tell you all the bad you don't have to like focus on that. Lesley Logan 1:12 So here is a win from Jeanne Cho, she's an Agency member and her FYF. Sent out price increase emails this week, only received one negative response but handled it graciously and she's someone that makes sense to let go of. A few clients that express understanding. Today was my fifth Friday starting work in the ideal schedule at 9am after taking my daughter to school. Two clients late-cancelled so one immediately said she understand the need to charge her. The second is a new client who not only said the price increase is fine but also fine with the late cancel charge. Now that I have these two cancels I have more time in my day to recover and work on gemstones. Bumped into a sexy fling from last summer, now that I'm not interested he keeps reaching out. Love how the universe works. So many great wins in here Jeanne. So Jeanne, whenever you do a price increase it can be so, so scary. And also charging for late cance can be scary. But these are businesses that you're running, whether you're a Pilates instructor or not, anything that you are doing that you have to pay taxes on is a business, you have to treat it like one. Otherwise, it's called a hobby and then they don't let you do it anymore. So go, Jeanne. Lesley Logan 2:15 All right, this one is from Adrienne McCaskey. She's also one of our Agency members. And I got to meet her at the winter tour. So I just am so excited. She said FYF, some simple and yet monumental milestones this week, following the webinar with Tess last month, pause, Tess Waresmith was a guest on the podcast. And so, this is the Tess that she's talking about and we had her in the Agency to do a webinar. So, here we go. Adrienne's win. Following the webinar with Tess last month, I'm evaluating my financial and retirement accounts and opened an HYSA, a CD and savings accounts for my kids. Worked with my insurance agent and switched companies around based on liability policies and still getting the coverage I need while saving $600 plus annually. Finally achieved my goal of adding a blog to my website and made my first post this week and have drafts up for the next two written, nearly ready to go. Scheduled an overdue massage for late this month, made time to volunteer at my son's classroom twice this week. And it meant so much to both of us. Did two OPC workouts this week. Made the conscious decision to let go of a new-ish client that was requiring a lot of attention and sapping my energy. And the next day I received a message from someone who wants to start and fits my ideal client. Whoo, go, Adrienne, you are amazing. Those are monumental milestones. Those are so, so, so cool. I love sharing these wins. So make sure you send your wins. And so we can celebrate them. Because when you hear them, you get to really celebrate the thing that you did. It's so cool. Lesley Logan 3:33 All right. We've had a lot of things going on around here, I'm super, super excited to share that we have been able to kick off the OPC Summer Camp. That is a really big deal. I mean, we made it bigger and better than ever, 14 teachers, right? So I'm one of them. But we corralled 14 teachers and topics and we wanted to get it announced as early as possible. And so I'm just so proud of the team for all the work they've done to get this and also another win and part of it was like we've always wanted to be able to do a day pass to make something like really affordable for people. And we finally figured a way to do that and pay all of our teachers out accordingly. So it has been something we've been working on for almost a year. And so I'm just so, so proud of things, and I share it with you like it's not even complete guys. The win is just that it's announced. I will have another one in June when it is complete. But the win is that it's announced. Wins like this are really impactful because they include not just me, but so many other people and then their impact is even bigger than all of us and that is what we always focus on here. And so another way to think about you know, why you should celebrate your wins is to celebrate the small things. Because to celebrate the impact you're trying to make on this planet, every single one of us whether you work for yourself or you work for someone else, you are making an impact on people's lives and you can celebrate. You can have a win that's like I opened the door for the person behind me and they were struggling with it. That's a fucking great win because you changed that person's day. If they had to like struggle to open the door it would have like set their whole day in a different direction. So anyway, that is why we celebrate some wins. So yay to my team and everyone who has been part of Summer Camp because the fact that we got it launched in April was a humongous, humongous win. And I can't wait to see what comes from Summer Camp when it finally is live in June. Lesley Logan 5:19 So, all right now, let's get you on your day. Let's get you on your road. Let's get you kicking off your weekend with an affirmation. Which one we're going to do today? Here we go. My sensitivity is beautiful and my feelings and emotions are valid. My sensitivity is beautiful and my feelings and emotions are valid. Say it with me one more time. My sensitivity is beautiful and my feelings and emotions are valid. Remember, there's a couple Be It Action Items that are like, feel, like, feel the affirmations in your body. So, hope you felt that somewhere and wherever you felt it was awesome. And thank you so much for being part of the Be It Till You See It podcast. You are wonderful. And I will see you next week. Lesley Logan 6:00 That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Lesley Logan 6:27 Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod. Brad Crowell 6:42 It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell. Lesley Logan 6:47 It is transcribed, produced and edited by the epic team at Disenyo.co. Brad Crowell 6:52 Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi. Lesley Logan 6:59 Special thanks to Melissa Solomon for creating our visuals. Brad Crowell 7:02 Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
The bond market has always been relevant, but it hasn't mattered as much since the Great Financial Crisis (GFC) - that's when the housing market collapsed in 2008. When we have a financial crisis, there is a fiscal policy response and monetary policy response to stimulate the economy. Right now we are in restrictive fed territory, they have raised rates to levels not seen since the GFC. Now the big market question is: when will they lower rates? If they do it too soon, it will reignite inflation, too late, it will tip us into a recession. The Fed's action affect the front end of the curve... when they lower and raise rates. WHICH AFFECTS YOU. (and that HYSA). You need to understand the yield curve and what de-inversion would mean. Is The Fed going to tip us into a recession? What does that even mean? We've been seeing your questions around this and more after our recent episodes on the FOMC meetings. Let's revisit how the yield curve works so we can all understand how the stock market and bond market is affected by The Fed's actions and what an inverted yield curve means for your money. *This episode was recorded back in November 2023, so some things mentioned are related to that month, but overall still relevant to what's happening now.* Still Have More Questions or a Comment?
Come with us as we leap through the gallows and levitate down WallStreet.
In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! Should I keep my $18K in a HYSA or choose T-Bills? What about SCHD and VYM? I'm having trouble selling my single stock investments, what should I keep and what should I sell? Should I take my new pay increase and use that to max out my employer-sponsored retirement accounts? How do I approach talking about money with my girlfriend, and soon to be fiance? I have $1.65M in 'dead equity,' what should I do? --- Important Events:
This week's guest, former Treaty United manager Alban Hysa, will discuss life after his time in Limerick along with sharing his thoughts on the Women's Premier Division season so far.He joins hosts Breifne Earley and Aaron Clarke on this week's episode of the LOIWomen's podcast on FinalWhistle.ie.After an extended International break the lads are back with another look at the League of Ireland Women's Premier Division as Galway extend their lead at the top of the table and Athlone provide a statement win against Champions Peamount United as the Avenir Sports All Island Cup second round takes place this weekend.Don't miss out – catch the live broadcast tonight at 8:30pm on FinalWhistle's YouTube, Twitter, Facebook pages, and website.
In the last episode (Ep. 30) of the Market MakeHer Podcast, we discussed how “The Fed” projects to cut interest rates 3 times by end of year. Hopefully, this means lower inflation, but it also means lower interest rates on your High Yield Savings Accounts as well. Where can we stash our cash with higher interest rates for longer? Brokerage CDs! One option is Brokerage CDs (certificate of deposit). This option is good especially if you have a very low risk tolerance and want to do something more than a HYSA that is a tad bit higher on the risk pyramid (Ep. 29), but still low-risk overall and locks in these higher yields we're currently seeing for a little bit longer. We'll teach you how to potentially lock in higher interest rates on your cash for longer with a Brokerage CD. You'll also learn how to build a CD ladder! Watch the video on Spotify or our YouTube channel for visual how-tos. Otherwise, we'll guide you through it with our words.
As spring brings warmer weather and sunnier days, it also presents more opportunities to overspend. To combat this, it's time for some financial spring cleaning! Similar to tidying up our homes, we can freshen up our finances by revisiting goals, decluttering paperwork, adjusting withholdings, reviewing insurance policies, and even booking vacations early. These proactive steps help set us up for financial success in the season ahead.Anna's Takeaways:1. Revisit your resolutions2. Clean your financial 'junk drawer3. Invest in high-yield savings4. Review insurance policies5. Clean up your budget6. Get rid of unwanted subscriptions7. Book your 2025 vacation in 2024Rate, Review, & Follow on Apple PodcastsMoney Boss Parents! Welcome to Anna's Money Boss Parent podcast, your go-to resource for mastering money management while raising a family. Join me as we explore practical tips, expert insights, and inspiring stories to help you achieve financial success and create a brighter future for your loved ones.Don't forget to subscribe, rate, and review the show to support our mission of empowering parents like you to take charge of their finances and build a prosperous life for their families. Let's thrive together on this incredible journey!GRAB your FREE GUIDE- Kid Money Boss: School isn't teaching my son about Money. It's up to us Parents. Here are 9 tools I am using to team with my son, everything I never learned as a kid.Resources Mentioned:Find me on Instagram at @moneybossparent and DM me work “HYSA” and I'll send you a list of my top 5 favorite places where you can open a High Yield Savings Account.Monarch Money - Spending Tracking App
In today's Q&A episode, we answered more of your questions, including: Saving in a HYSA after funding your emergency fund Opening a travel rewards credit card after a cashback card What we would do for work if social media didn't exist How/what to charge for blog writing as a freelancer How we combat societal pressures and feeling like you're "behind" in your 20s If you enjoyed this episode, please rate and review the podcast. We appreciate your support!
What's your investment risk tolerance? (check out the risk pyramid below) How are you diversifying your investments in your portfolio? Are the interest rates on our high yield savings account coming down? What should we do with our cash to make sure it's out-pacing inflation? Figure Out Your Risk Tolerance There are lots of quizzes you can do at your brokerage firm or even government sites that help you figure out your risk tolerance for your personal situation. The higher the risk the higher the reward, BUT, remember that also means there's a higher risk to lose your money. Diversifying is key.
We're comparing various financial products today. From target-date funds to index funds, CDs, High-Yield Savings Accounts, and Health Savings Accounts.Special guest Georgia Lee Hussey, founder of Modernist Financial, joins with advice. Plus: Ways to effectively contribute to political causes during this election year. Hosted on Acast. See acast.com/privacy for more information.
There are some important factors to consider when signing for a high yield savings account that I wish I knew when we signed up for our first one several years ago. Today I'm going over what you should know about high yield savings accounts that often gets overlooked. WATCH NEXT ➡️ 7 Money Habits Keeping You Poor (AVOID These Wealth Killers!) https://youtu.be/StAkdqbqCoc --- Send in a voice message: https://podcasters.spotify.com/pod/show/habeshafinance/message
Celebrate or panic? Bitcoin ETFs are here, Hertz is slashing their electric vehicle inventory and Capital One's High Yield Accounts may not be offering high yields. Plus Homeowner's insurance and solar.
It has been years, actually, over a decade since we changed banks for our high-yield savings account (HYSA). But this is the year, I had a bad experience. I'm actually kind of embarrassed about it, but more on that later. Long story short, we were not being valued as loyal customers and I refuse to stay with a bank that treats me unfairly. Housekeeping note: I have no affiliate or partnership relationships with any of the banks mentioned. This is just my own experience and opinion. There are no referral or affiliate links in this article. A Quick Backstory and What Happened Originally, we'd started our first high-yield savings account with a company called ING Direct. I'd spent quite a bit of time researching different banks and settled on ING Direct because they had great rates, I could easily open several accounts, nickname my accounts (this actually wasn't that common 10+ years ago), and their customer service was great. Fast forward, they were purchased by Capital One and rebranded as CapitalOne 360 Savings. Okay, no problem. Customer service was still great, rates were great (or so I thought), no worries. I was checking my accounts and renaming one for a goal we've established in conjunction with Money Day this year. I noticed my interest rate on my accounts was 0.3% - not the 4.35% that Capital One shows on the site. I called and they said I had a “legacy product” and would need to reopen my accounts in order to get the current rates. Needless to say, I was pissed! If I have to open brand new accounts, I'll be opening them with a different bank. The hunt begins. My Criteria for High-Yield Savings Accounts I am very particular about my high-yield savings accounts – up to a point. I'm very aware of my tendency to analysis paralysis. I'm a natural overthinker, but once I settle on a decision, I generally feel very confident about it. There's also a couple other reasons why I'm not too particular about some things but more particular about others. Chasing high fees or jumping on the “trendy” HYSAs can get you into trouble or end up not being quite as awesome as the marketing makes it seem. Because I tend to go overboard comparing, I have to set my criteria and not get too wrapped up in the tiny details. In reality, when I set clear criteria, there's likely only a few banks that will fit the bill. Here's the main things I look for in a high-yield savings account: 1. Competitive Rates 2. No Fees! 3. Ability to Open Multiple Accounts 4. Checking Account Available at Same Bank 5. Quality Customer Service 6. No Hidden Rules and “Gotchas”
I'm your host, the Budget Mom AJ Schneider, here with my fantastic coach, Leah. We're peeling back the veil on the hidden costs of weddings and how to navigate them without losing your mind or your savings. From laser hair removal to the perfect dress, we've got the inside scoop on managing those 'other' wedding costs. Leah's here to share her journey and insights, making sure your walk down the aisle doesn't turn into a financial stumble. You might only be thinking about the flowers and dress, but there's a lot of prep when it comes to weddings. From workouts, trainers, juices, and facials. It adds up and we want to make sure you're considering ALL of it. Shoutout to Raisin. Transforming your savings game with HYSA accounts at 5.3%! No minimums, no required deposits. Just 5.3% 5.3% High Yield Savings Account - https://save-better.sjv.io/c/4809477/1862455/14380 5.7% 6 month CD - https://save-better.sjv.io/c/4809477/1584057/14380 This episode was brought you by Me AJ Schneider and Eric Weisberg the incredible co-producer and editor behind the scenes. You can find him on insta at @instagram.com/eric.editsss Like the beats? Check out @eric.editsss - https://www.instagram.com/eric.editsss/ www.beyondthegreencoaching.com Instagram @beyondthegreencoaching This website and its content is owned by Beyond The Green Coaching. AJ Schneider and the Financial Freedom Coaches are NOT financial planners, attorneys, accountants, therapists, counselors or psychologists. The information on this website and in the resources provided is for educational and informational purposes only. You acknowledge that you are participating voluntarily in using our resources, and you are personally responsible for any choices, actions and outcomes now and in the future. Before making any financial or investment decisions, we recommend you consult a financial planner. Beyond The Green Coaching is not liable for any errors or omissions of information supplied in these materials.
Today, we're cutting through the tulle and tossing the bouquet on those hidden costs. Who better to guide us than Shanti Knight, a wedding photographer who's not just capturing moments but also shedding light on the lavish labyrinth of wedding economics? And with us, Leah, currently in the trenches of planning a wedding that's more about value than vanity." Shanti Knight is a wedding, portrait, and branding photographer working primarily in Chicago and New York City and available globally. In addition to her work serving her discerning clientele, she loves reading, traveling, museums, shopping & style, and personal development. She's a committed environmentalist living a primarily plant-based lifestyle in stewardship to this planet. You can sign up for Shanti's newsletter here shantiknight.com. And don't forget to follow her on Instagram @shantiknight I remember when I started saving I was so excited by an account that offered 1% interest. I thought I had it made. Then I watched it go down and down and got sad. But today I literally cannot believe how good HYSA accounds are. I've teamed up with Raisin to share the BEST accounts on the market. Raisin partners with community banks and credit unions to find the most competitive products on the market and they are not disappointing. Right now you can get a HYSA for 5.3% and a 6 month CD for 5.7%. We recently had a client move her money from Wells Fargo to Raisin and went from making literally pennies to $416 in one month. I KNOW! 5.3% High Yield Savings Account - https://save-better.sjv.io/c/4809477/1862455/14380 5.7% 6 month CD - https://save-better.sjv.io/c/4809477/1584057/14380 This episode was brought you by Me AJ Schneider and Eric Weisberg the incredible co-producer and editor behind the scenes. You can find him on insta at @instagram.com/eric.editsss Like the beats? Check out @eric.editsss - https://www.instagram.com/eric.editsss/ www.beyondthegreencoaching.com Instagram @beyondthegreencoaching This website and its content is owned by Beyond The Green Coaching. AJ Schneider and the Financial Freedom Coaches are NOT financial planners, attorneys, accountants, therapists, counselors or psychologists. The information on this website and in the resources provided is for educational and informational purposes only. You acknowledge that you are participating voluntarily in using our resources, and you are personally responsible for any choices, actions and outcomes now and in the future. Before making any financial or investment decisions, we recommend you consult a financial planner. Beyond The Green Coaching is not liable for any errors or omissions of information supplied in these materials.
Learn about working with me to help you get your money sh*t together: veronicagrant.com/workwithmeQuestion about working with me? Book a 15-minute call.Episodes mentioned:This will cut your investing returns in halfIs investing in the stock market risky?Connect with me:TikTokInstagramRun Your Money NewsletterMoney Checklist for Women Hosted on Acast. See acast.com/privacy for more information.
Laura reviews what you should know about using a high-yield savings account (HYSA), including tips for choosing the best one and how to get the most from an online bank.Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at 302-365-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links: https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDThttps://twitter.com/LauraAdamshttps://lauradadams.com/
VettaFi's vice chairman Tom Lydon discussed the BondBloxx USD High Yield Bond Sector Rotation ETF (HYSA) on this week's “ETF of the Week” podcast with Chuck Jaffe of “Money Life.”
This week the lads sit down with Alban Hysa, senior women's manager to discuss the season so far and look ahead to that mouth watering clash with Shamrock Rovers on November 4th.
En este episodio Sylka y Maria contestan las preguntas mas frecuentas sobre los high yield savings accounts o cuentas de ahorros de alto rendimiento. Participa del reto de ahorros para fin de año, registrate seleccionando aqui mismo Algunas de las preguntas frecuentes sobre las cuentas de ahorros son: ¿Que es un HYSA? ¿Donde se abre? ¿Cuanto dinero puedo depositar en estas cuentas? ¿Estas cuentas tienes restricciones para poner y sacar dinero? ¿Cual es el beneficio? ¿como la uso? ¿Estas cuentas son aseguradas? ¿Me cobran por tener esta cuenta? ¿Que tengo que mirar cuando este seleccionando la cuenta que quiero? Instagram Tiktok Youtube ¿Estás ready para obtener educación financiera en español? Mira todos los recursos que tengo para tí ⬇ https://www.transformatudinero.com/podcast DISCLAIMER: el contenido de Dinero en Spanglish el podcast, todos sus episodios y contenido compartido en el website y las redes sociales, es para efectos educativos solamente. Te comparitmos nuestra opinión y perspectivas relacionadas a temas de dinero y finanzas personales, pero no reemplaza la consulta con un asesor financiero, abogado y/o contador. --- Send in a voice message: https://podcasters.spotify.com/pod/show/dineroenspanglish/message Support this podcast: https://podcasters.spotify.com/pod/show/dineroenspanglish/support
We have a long way to go and a short time to get there in this episode! During this episode, Art cover 33 practical tips to help you take the next step on your financial journey. Notes:Pray about your finances.Automate your generosity.Make your church the first place of giving.Give to an organization that does something you care about in a place you pay attention to.Do your Financial State of the Union.Track net worth.Set realistic goals.Create a zero-based Blueprint for Mission.Know your essential expenses.Hunt down and eliminate unnecessary, regretful spending.Find a budgeting app that works for you.Use sinking funds.Automate your savings.Have an emergency fund.Use a HYSA for your emergency fund.Pay for cars with cash.Pay off credit cards every month.Get rid of credit cards if you have credit card debt or struggle to pay them off in full.Use the debt snowball to pay off debt.Make extra payments toward your mortgage.Put 15% of your gross income toward retirement.Maintain a diversified portfolio.Meet with a Kingdom Advisor for specific investment guidance.Pay attention to expense ratios.Don't cheap out on insurance.Shop insurance rates.Use the DIME method for life insurance. Have an emergency binder.Have a will.Pray about your financial legacy.Have a monthly finance meeting with your spouse.Know your spouse's money story and money personality.Place marital unity above your financial goals. Resources:Free Resources from Christian Money SolutionsAsk a Money Question!
Join Anthony Weaver and a few special guests as they discuss High Yield Savings Accounts (HYSA) and Roth IRAs Get Your HYSA with Marcus Bank (by Goldman Sachs) : https://www.marcus.com/share/ANT-QBP-UMTH THANK YOU FOR LISTENING! #HYSA #ROTHIRA #AboutThatWallet Continue to support the show by subscribing, sharing and leaving comments on your favorite platforms. This help others like yourself find me. _______ AFFILIATES/SPONSORS: DISCLAIMER: these are sponsored links in which I get paid and you can benefit for being a listener to the podcast. Like My equipment?: Rode Caster Pro - https://amzn.to/3i596tF Streamyard - https://streamyard.com?pal=4718936395612160 SHURE SM7B Dynamic Microphone - https://amzn.to/3AbV040 Microphone Stand - https://amzn.to/3NIeBfz Listen to the show on Audible: Try Audible and get 2 free books - https://amzn.to/3tWuDdJ ______ Follow Me: IG: https://instagram.com/aboutthatwallet Twitter: https://twitter.com/aboutthatwallet Website: aboutthatwallet.com Email: Anthony@aboutthatwallet.com Spotify: https://open.spotify.com/show/4cvhtqNV7QCMbk2vD0HGCk?si=rqwIGhxaSW-vPlJOOAX3KQ YT: https://youtube.com/c/ABOUTTHATWALLET Apple: https://podcasts.apple.com/us/podcast/about-that-wallet/id1521474041 -- DISCLAIMER: I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in this audio are for educational purposes only. You must do your own research and make the best choice for you. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments. If you need advice, please contact a qualified CPA, CFP, an attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. --- Send in a voice message: https://podcasters.spotify.com/pod/show/aboutthatwallet/message Support this podcast: https://podcasters.spotify.com/pod/show/aboutthatwallet/support
What's the difference between an HYSA and a money market account, and how do you choose which one to use?A high-yield savings account (HYSA) and a money market account are popular options for folks looking to earn interest on their savings. Both accounts offer competitive interest rates and are considered relatively safe places to store your cash with that FDIC insurance.HYSA and Money Market Accounts typically offer a higher interest rate than a traditional savings account, allowing you to maximize your earnings. But how do you pick between the two?Let's break it down in this week's episode!Related EpisodesEp. 28 Quick Money Episode #2: Why Don't You Have a High Yield Savings Account Yet?Clo Bare Blog: clobare.comFind me on social media at @clobaremoneycoachPlease rate and subscribe to support this channel!Free Money Guide: moneyrightguide.comFree Investing Class: lazyinvestingclass.comProduced by Elevate Media - Want to start your show? Reach out! This podcast is not intended as financial advice. Always do your own research and talk to your financial professional to discuss your situation. To read our full terms and conditions, head here:TERMS AND CONDITIONS
Watch this episode on Youtube In this episode, we break down the hype of High Yield Savings Accounts. We discuss how to leverage a HYSA as a tool to build your savings while gaining interest rates of 3-4%. There was a report from WSJ discussing how millions of dollars are given to banks because most individuals don't take advantage of high interest savings accounts. I dare you to check your savings % rate, is it .01%-.03%? If so, it's time to start saving with a high yield savings account! Mis cuentas favoritas are: Ally Bank, Discover Bank, Capital One, WealthFront ----- New episodes out every Monday! Follow & Subscribe to Mi Riqueza Podcast to get notified of each episode drop. Don't forget to also follow us on social media @latinawealthactivist @miriquezapodcast @theriquezaco to get the latest financial content & community updates. ----- Join our Free Riqueza Community: The Riqueza Club where we host workshops, events and our Crecer Book Club! Go to www.theriquezaclub.com to join!
U.S. savings account interest rates are at decades long highs, so Sam and Johnny hop in on this 101 episode to help you find ways to maximize your savings rate of return. The guys go over High Yield Savings Accounts (HYSAs), treasury bonds, annuities, money market accounts & more creative ways to get those extra percentage points. They'll also discuss how much savings you should be holding in case of emergencies. They'll also go beyond the United States to help out with some options for our overseas listeners as well. Share this episode with your friends, you'd be surprised how many people do not having any or very little savings! Discussed: U.S. Treasury Bonds ILAB Episode 004: Stan the Annuity Man ILAB 182: If I Have $X Saved, Where Do I Invest It? Where we are: Johnny FD – Kyiv, Ukraine / IG @johnnyfdj Sam Marks – South Carolina/ IG @imsammarks Derek – Los Angeles / IG @DerekRadio Sponsor: Nom Nom At Nom Nom, we make food that looks like food. Tailored to your pet's exact needs and backed by years of scientific research. Get 50% off your first 2 week trial when you visit trynom.com/ilab Like these investments? Try them with these special ILAB links: Fundrise – Start with only $1,000 into their REIT funds (non-accredited investors OK)*Johnny and Sam use all of the above services personally. Invest Like a Boss Patreon Help support the continuation of Invest Like a Boss by becoming a Patreon! Plans start as low as $5/month and give you instant access to years of exclusive content, including portfolio access, trade alerts, bonus episodes & more. Join now at Patreon.com/InvestLikeaBoss. Time Stamp: 10:22 - Savings Best Practices 18:54 - Where to Put Your Savings 27:46 - US Treasury Bonds 32:45 - HYSA vs. Bonds 38:07 - Annuities : If you enjoyed this episode, do us a favor and share it! If you haven't already, please take a minute to leave us a 5-star review on Apple Podcasts and Spotify.
How long have you been putting off opening an HYSA? Or learning how to invest? Do you feel like it's been something on your list forever, but for some reason, you can't seem to make it happen??Well, let's talk about fear and overcoming the sometimes paralyzing impact of money fear.Fear can wield significant power over our lives, especially when it comes to money matters. The gripping fear surrounding personal finances often results in a state of inaction, preventing individuals from taking charge of their monetary well-being. By understanding how fear affects our financial behavior, we can proactively combat its paralyzing impact and gain control over our financial future.Fear around money can manifest in various forms, such as the fear of scarcity, fear of failure, or fear of making wrong financial decisions. These fears often stem from past experiences, societal pressure, or an overall lack of financial literacy. When left unaddressed, they can lead to a self-perpetuating cycle of inaction and financial stagnation.In today's episode, learn how fear surrounding money can hinder financial decision-making and lead to inaction. Clo Bare will also share some effective strategies to overcome money-related fears and take control of your finances today.Related Episodes:Quick Money Tip #2: Why Don't You Have a High Yield Savings Account Yet?Quick Money Tip #5: What do I do with my old 401(k)?Quick Money Tip #12: Addressing Objections & Fears Behind InvestingI-Bonds, My Mom's Story, How It Impacted My Views of Money with Kim DanielsClo Bare Blog: clobare.comFind me on social media at @clobaremoneycoachPlease rate and subscribe to support this channel!Free Money Guide: moneyrightguide.comFree Investing Class: lazyinvestingclass.comProduced by Elevate Media - Want to start your show? Reach out! This podcast is not intended as financial advice. Always do your own research and talk to your financial professional to discuss your situation. To read our full terms and conditions, head here:TERMS AND CONDITIONS
In this episode of the Rich Habits Podcast, Robert Croak & Austin Hankwitz share their perspectives on Apple's new high-yield savings account, the recent rise of artificial intelligence, high-earner retirement accounts, target date fund beef, and how to house hack with the right tenants. --- Earn 5.6% with T-Bills on Public: Click Here! Learn more about our sponsor, NEOS Funds: https://neosfunds.com/ To learn more about Robert: https://stan.store/robertcroak To learn more about Austin: https://stan.store/austinhankwitz Contact us: richhabitspodcast@gmail.com
After a baptism of fire as boss of Treaty United, their new manager Alban Hysa drops in to the podcast to chat about his side's start to the season including their opening day 1-0 defeat to Bohemians. Show live at 9pm this evening.He'll be chatting about his move from Peamount United U19's in the close season, the Canadian invasion of his squad and his expectations for the coming season.Breifne Earley and Aaron Clarke will also take a look back at the weekend's action and preview the coming set of games this weekend.
This week: Is it worth it to transfer savings out of your current bank to a high-yield savings account (HYSA)? Given a new law, is it wise to rollover unused 529 dollars into a Roth IRA? How can parents raise kids to be "so money?" Subscribe to Farnoosh's new podcast: Better Business. Sign up for Farnoosh's newsletter here and instantly get a copy of So Money Secrets, a compilation of the best advice shared on the podcast. Register for Pitch, Please in NYC. Learn more about your ad choices. Visit megaphone.fm/adchoices
Stop procrastinating! Write your will, update it, allow for some flexibility. Plus those high yield savings accounts are worth something these days, Twitter continues to struggle – are they in real trouble?! and what will the Supreme Court say about college loan forgiveness?
Thanks for Listening! HYSA FREE GUIDE: https://bit.ly/3YHa6YG Millennial 1%: https://moneywithkatie.com/blog/whos-in-the-millennial-1-percent RESOURCES: Own Your Career Template: https://bit.ly/3XZb82l 4-Week Financial Plan: https://bit.ly/3H3jT5t Personal Finance Dashboard: https://bit.ly/3ViM706 Be Your Own Boss Template: https://bit.ly/3i42fog Book Club Facebook Group: https://bit.ly/3vzZzSh FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8 Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget Use the code PODCAST1 for $10 off the PFD www.breakyourbudget.com/links @breakyourbudget
Get your checklist now!Financially Bulletproof Checklist - financesincheck.com/checklistFollow me@BetterWallet on Instagram@BetterWallet on TikTok@TheBetterWallet on TwitterIn this episode, Marc talks about a High Yield Savings Account (HYSA) and the importance of saving money. He shares their favorite HYSA options and explains how to open one. Marc will also discuss how an HYSA can be used to save for events you might want to attend. And he explains the challenge of affording expensive tickets and how Americans tend to use credit cards to pay for things and later collect interest. He will educate the listeners on the dangers of this mindset and offer a plan to avoid financial regret.[03:08] Challenge of purchasing event tickets[05:00] Well-planned spending[05:20] HYSA[08:10] What to look for in HYSA's[14:00] Ally Bank HYSA[17:05] Goldman Sachs HYSA_________________________________________________________Get your checklist now!Financially Bulletproof Checklist - financesincheck.com/checklistFollow me@BetterWallet on Instagram@BetterWallet on TikTok@TheBetterWallet on Twitter
Here are the current 7 best high yield savings accounts for 2023. High Yield Savings Accounts (HYSA) are back to offering some of the highest interest rates we've seen in a long time. In this video I am going to discuss 7 different high yield savings accounts ranging from 3.75 to 4.35% APY. I'm also going to share which HYSA did not make the rankings for this month and which HYSA we recently switched to. WATCH NEXT ➡️ The ONLY 2 ETFs You Need to Become Rich in 2023 - https://youtu.be/ks35rkGkZaQ BEST 3-Fund ETF Portfolio That Will Make You Rich ➡️ https://youtu.be/ej_P9_Wbt-k 5 4 Stages to Saving $1,000,000: https://youtu.be/pgT7ehOCv5U BEST Fidelity Index Funds to Buy and Hold FOR LIFE ➡️ https://youtu.be/cH3B73ITA4 Open your free high yield savings account with CIT Bank today: https://fxo.co/1147663/investingwithmatt Get Term Life Insurance. Creating an account is free with Haven Life and you can estimate how much you can expect for the amount of life insurance you're interested in (this is who I got my life insurance policy with). Haven Life
There's one account everyone needs. It's easy to set up, there's no risk, it's insured, and you'll earn a little bit of interest on your cash. The account? A high-yield savings account. In this episode, Clo Bare breaks down all you need to know about HYSA and why it's a no-brainer to open one ASAP.Find me on social media at @clobaremoneycoachPlease rate and subscribe to support this channel!Grab your free money guide here: https://www.thelazyinvestorscourse.com/guideJoin Clo Bare for a free investing class here: https://www.thelazyinvestorscourse.com/webinar TERMS AND CONDITIONS
On this episode of Financially Naked: Stories from The Financial Gym, three Certified Financial Trainers, Mike, Kadri, & Garrett are here to gymplain interest rates. Interest rates directly affect our everyday lives, how we spend, how we save, and how we invest. Knowing how interest impacts your finances can be a powerful tool for planning ahead. Podcast Notes According to Investopedia, “The interest rate is the amount a lender charges a borrower and is a percentage of the principal—the amount loaned.” “An interest rate can also apply to the amount earned at a bank or credit union from a savings account." Interest rates are set by the Federal Reserve. It's a lever they can pull to help guide the economy in the direction they want it to go. In 2020, we saw interest rates lowered. Now we're seeing the pendulum swing the other way. The goal right now is to slow down inflation. Interest rates affect the economy and our everyday lives. There are different types of interest rates, fixed and adjustable. Knowing what kind of debt you're taking on is important. An adjustable interest rate means it will fluctuate. With a mortgage, it will be on a schedule. Unsecured debt, like credit cards often have adjustable interest rates. If you pay in full every month, this doesn't affect you. If you carry a balance, these rates are important. Interest is not just for debt, it applies to savings accounts as well. High Yield Savings Account rates have been steadily increasing over the last few months. Recent shifts in client behavior: Some clients who have been procrastinating have finally been opening HYSA's and taking advantage of the great interest rates. Home renovations have slowed down, leading to less refinancing. There has been a slowdown in folks wanting to purchase a home. If you're not sure what your interest rate is, that information is on your credit card statement, on one of the last pages. Congress controls the purse strings and the decisions we make as a country directly affect our money and our day-to-day lives. At the end of the day, financial literacy is key. The most important thing you can do is look at your assets and what's available to you. Understand what products and accounts you're using and use them to accomplish your financial goals. Meet The Trainers Meet Kadri Augustin, Level 3 Certified Financial Trainer Meet Mike Poulin, Level 2 Certified Financial Trainer Meet Garrett Faulconer, Level 2 Certified Financial Trainer
There are 4 myths about high yield savings accounts you need to be aware of before you open an account. Understanding these HYSA myths about will help you save money more efficiently. WATCH NEXT ➡️ BEST 3-Fund ETF Portfolio That Will Make You Rich ➡️ https://youtu.be/ej_P9_Wbt-k 5 4 Stages to Saving $1,000,000: https://youtu.be/pgT7ehOCv5U BEST Fidelity Index Funds to Buy and Hold FOR LIFE ➡️ https://youtu.be/cH3B73ITA4 Get Term Life Insurance. Creating an account is free with Haven Life and you can estimate how much you can expect for the amount of life insurance you're interested in (this is who I got my life insurance policy with). Haven Life
Mesha (@refillingmywallet) and David talk about their HYSA earnings--which proves to be pretty boring so they talk about an OPB (Other People's Business) and try to determine if a guy is an asshole for not loaning his girlfriend rent money! Thanks for listening!
High Yield Savings Accounts (HYSA) are back to offering some of the highest interest rates we've seen in a long time. In this video you will learn about the 4 best HYSA you can open today. *APR information accurate as of Nov 6, 2022 and subject to change* Check out my affiliate links below for products I recommend that I've used personally or researched enough to know they're worth your time. Get Term Life Insurance. Creating an account is free with Haven Life and you can estimate how much you can expect for the amount of life insurance you're interested in (this is who I got my life insurance policy with). Haven Life
About The Investing Circle:
Të ftuar në studion e “At The Movies” së bashku me Artën dhe Edin, kanë qenë Kledi Hysi dhe Arbër Minxhozi. Ata kanë dikutuar më shumë se si lindi ideja e “Open Air Tirana” dhe jo vetëm…
Ever wonder how being queer affects your finances? In this week's solo episode, I talk about the cost of being queer. We will focus on the unique financial challenges LGBTQIA2S+ folks face, financial tips to navigate those challenges, and how to incorporate your queerness into your finances. This is an important episode whether you are part of the LGBTQIA2S+ community yourself, or are an ally of the community wanting to learn more.HAPPY PRIDE MONTH + INDIGENOUS HERITAGE MONTH!! The Queerd Co. Pride Month Scholarship is open for donations + applications!! Queerd Co. has created the Pride Month Scholarship for members of the LGBTQIA2S+ community who are experiencing financial hardship.Apply for the scholarship: https://forms.gle/Xb681rqqUW7ELYfr5Donate to the scholarship: https://www.gofundme.com/f/queerd-co-scholarshipMy fav HYSA's:Canadian: EQ Bank and Neo FinancialAmerican: Ally BankListen to "Advocating for Yourself and Financial Advisor Red Flags" Join the Queerd Community:INSTAGRAM: https://www.instagram.com/ellyce.fulmore/TIKTOK: https://www.tiktok.com/@queerd.coWORK WITH ME: https://ellycefulmore.com/Ready to take control of your money? Well I've got you covered with my mini course library. Priced at $47 each, these mini courses are an awesome (and affordable!) way to start taking control of your financial future.https://ellycefulmore.com/mini-courses
Season three is all about the financial tools you need in your arsenal. Today we're discussing all things High Yield Savings Accounts (“HYSAs”). In this episode, you'll learn about HYSAs and the pros and cons. If you already have one, are you actively using it? Do you have a specific company you prefer to use? Let's chat! How did High Yield Savings Accounts start? What are high yield savings accounts? Who can get a high yield savings account? What are the pros and cons of an HYSA? Which companies have them? Which company is BGB Preferred? New Business and Questions From the BGB Community Consider donating to Donate to Feed Buffalo to help the Masten Park Community of Buffalo affected the shooting that took place at Tops Friendly Supermarket.
Welcome to episode five of Keep Finance Queerd!! This week we are going to unpack what it means to have a scarcity or abundance mindset when it comes to money. This episode will break down the money mindset spectrum, and how your money mindset is created. I dive into the various systems that may be keeping you stuck in scarcity and how to define what abundance means to you. You'll walk away with tips and advice to feel more abundant around money and break down the systems contributing to scarcity. We will talk about:- what scarcity, abundance and money mindset are- the money mindset spectrum - how your money mindset is created- the impact your mindset has on your finances- the systems that keep you in scarcity- what financial abundance means to you& actions steps to implement that will improve your money mindset!HYSA for Americans: https://www.ally.com/bank/online-savings-account/HYSA for Canadians: https://api.fintelconnect.com/t/l/6148f2ae917fd4001d3b2953 **affiliate linkJoin the Queerd Community:INSTAGRAM: https://www.instagram.com/ellyce.fulmore/TIKTOK: https://www.tiktok.com/@queerd.coWORK WITH ME: https://ellycefulmore.com/
Ymer Hysa Lindi ne Gjorem te Kurbinit ne vitin 1961. Gjate viteve te shkolles se mesme shfaqi pasionin per letersine ku filloi te shkruaje vjersha e shkrime poblicistike, e ti botoje ato ne gazetat revistat e kohes . Deshiren per te shkruar nuk e ndali asnjehere duke bashkepunuar me gazeta lokale dhe kombetare, stacione televizive dhe revista kulturore e shkencore . Eshte autor i librave " Gjormi Histori dhe Kulture", " Kur fjalet behen buqete", " Endrra ne udhekryq",
In this episode I dive into credit cards, budgets, investing, HYSA, grocery store prep, status matching and loans. Money talk can be scary but I hope these tips and tricks help you to learn more. I know I feel so much better when I am aware of my finances and feel in control. I love making money goals and hope to continue to learn and grow. Let me know your favorite money tip! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Compound interest, which has been dubbed the 8th wonder of the world by Albert Einstein, needs time to grow its magical gains. Which group of people likely has the most time in the world to benefit from the effects of compound interest? Children, of course! Once you start becoming financially literate, you may likely start thinking about the kiddos in your life, whether they be your own children, nieces or nephews, or even grandchildren, and think, “If only they could start investing for their futures at such a young age! They would be set for life!” Well, here's some exciting news: both you and they could potentially start saving and investing for their futures! In this episode, the follow 4 accounts are reviewed to save and invest for your child: HYSA (high yield savings account), 529 plan, UGMA / UTMA, and custodial Roth IRA. As a current or future PA, you are likely a pretty giving and selfless person, so you are probably very excited to start investing in the future if your children. However, it is very important first put on your own oxygen mask, meaning, ensure that you are first set up to reach financial independence in the future prior to helping out your kiddos. If your child(ren) get one or even all 4 of these accounts set up to save and invest, then think of how much their wealth may build with time due to compound interest! Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway Website to read blog posts: pathefiway.com Prefer to pin the posts that you found informative? Follow along on Pinterest: https://www.pinterest.com/pathefiway
Compound interest, which has been dubbed the 8th wonder of the world by Albert Einstein, needs time to grow its magical gains. Which group of people likely has the most time in the world to benefit from the effects of compound interest? Children, of course! Once you start becoming financially literate, you may likely start thinking about the kiddos in your life, whether they be your own children, nieces or nephews, or even grandchildren, and think, “If only they could start investing for their futures at such a young age! They would be set for life!” Well, here's some exciting news: both you and they could potentially start saving and investing for their futures! In this episode, the follow 4 accounts are reviewed to save and invest for your child: HYSA (high yield savings account), 529 plan, UGMA / UTMA, and custodial Roth IRA. As a current or future PA, you are likely a pretty giving and selfless person, so you are probably very excited to start investing in the future if your children. However, it is very important first put on your own oxygen mask, meaning, ensure that you are first set up to reach financial independence in the future prior to helping out your kiddos. If your child(ren) get one or even all 4 of these accounts set up to save and invest, then think of how much their wealth may build with time due to compound interest! Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway Website to read blog posts: pathefiway.com Prefer to pin the posts that you found informative? Follow along on Pinterest: https://www.pinterest.com/pathefiway
The recommended amount for an emergency fund from people with a financial background is normally 3 to 6 months. That's 3 to 6 months of a decent amount of cash just sitting around when I want that money working for me. So today we're talking about 3 alternatives to the traditional cash emergency fund that get's an exponentially higher return and BEATS inflation. Check out Coinbase - http://coinbase.com/join/calcan_zz?src=ios-link Check out BlockFi - https://blockfi.com/?ref=2d8eea88 Emergency fund definition https://www.investopedia.com/terms/e/emergency_fund.asp S&P 500 return https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.asp Stock market return https://www.nerdwallet.com/article/investing/average-stock-market-return Don't forget to "Like" this video and "Subscribe" to our channel. If you want to watch it check it out - https://youtu.be/7OATOk19xts Get Connected: Site - https://www.joshcalcanis.com Facebook - https://www.facebook.com/joshctv Instagram - https://www.instagram.com/joshcalcanis/ LinkedIn - https://www.linkedin.com/in/joshcalcanis/ Get your copy of my book "What This Means To You" - https://www.amazon.com/What-This-Means-You-Millennials/dp/0993799698 Time Stamps 00:00 - Intro 00:35 - What is an emergency fund 01:28 - Why I this the topic? 02:24 - First place I put my money - HYSA 02:39 - What I mean by budgeting 04:17 - Pros and Cons of an HYSA 07:22 - Second alternative 08:46 - Pros and Cons of the market 10:17- Third alternative - Crypto 11:15 - Pros and Cons of digital assets *None of this is meant to be construed as investment advice. I am not a financial advisor. You should not treat any opinion expressed on this YouTube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon information considered reliable, but this YouTube channel does not warrant its completeness or accuracy, and it should not be relied upon as such. This YouTube channel is not under any obligation to update or correct any information provided in these videos or their descriptions. Statements and opinions are subject to change without notice. Past performance is not indicative of future results. This YouTube channel does not guarantee any specific outcome or profit. You should be aware of the real risk of loss in following any strategy or investment discussed on this YouTube channel. Strategies or investments discussed may fluctuate in price or value. Investors may get back less than invested or lose more than their original investment. Investments or strategies mentioned on this YouTube channel may not be suitable for you. This material does not consider your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned on this YouTube channel. Before acting on information on this YouTube channel, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment advisor. #emergencyfundalternatives #thinkoutsidethebox #FIRE --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Frank è un mentor, Chapter director di Startup Grind Ancona e organizzatore di Lean Startup machine che a vent'anni decide di trasferirsi negli USA per studiare e specializzarsi nel mondo dell'innovazione.Oggi al microfono del podcast ci dispensa tantissimi consigli utili a chi vuole migliorare la propria idea di startup in Italia e di come poter essere appetibili al mercato USA.Ascolta l'episodio e vieni a conoscere altri founder e mentor all'interno della nostra community Facebook MYFriends.
In this episode, Liz digs into high yield savings accounts and why an emergency fund is a great use of HYSA.
For the thoughtful, long-haul investor, the news this past week has been frustrating and confusing. What happened with GameStop? What is a “short sale” and how did the whole thing get started on Reddit? Karen Finerman, President of Metropolitan Capital Advisors, breaks it all down for us, and talks about what it means to invest with confidence. In Mailbag, we talk about saving in a HYSA vs. saving in the stock market, and whether to maximize a retirement account or put money somewhere else. In Thrive, 2021’s ultimate debt pay-off plan.
Chardonnay Curran, a current player at the University Of Oregon, talks about how she became the player she is now. She takes us back to Hawai'i where it all started in a league known as AYSO. She talks about her transition into a much more competitive league known as HYSA with the Real Soccer Club. During this transition she talks about something she encountered that change the way she viewed the game. That moment made her better and it helped her become the player she is today. Fast forward a few years, she mentions her experiences in high school and the struggles she faced as she transitioned into an Oregon Duck. Not to mention, she talks about her experiences with the U.S. youth national teams. During her journey she overcame struggles which we talked about in this podcast. Chardonnay shared some advice as well as her religious background. She mentions her relationship with God and how he has had an impact. She also shares mentions domestic violence and what we can do to help those experiencing domestic violence.
Should you invest while paying for adoption? Should you borrow from retirement? Laura Coleman talks with Michelle Waymire from The Young & Scrappy on The Adoption and Fertility Finance Show today about how to balance retirement planning with the needs of today. First and foremost, if your company offers a match for retirement savings, don't leave money on the table! Don't walk away from the opportunity to invest on someone else's dime. Once you're in the habit of not investing, it's hard to get back into the habit of saving for your future. So rather than stopping retirement savings, it may make more sense for you to throttle back while you're saving for adoption. But don't stop completely! The absolute best places to put your adoption goal money really depends on the goal and timeline you're working with. Is it 6 months, 2 years, or even 5 years? If it's really short term, it can feel like you're leaving money on the table by not having it invested, and the last thing you want to do is lose money. A high yield savings account (HYSA) or a CD is a great choice for those shorter goals. If you have 3 or more years in your savings timeline, then a taxable or brokerage account would be a better choice. Charles Schwab or Vanguard have target date funds that help you plan for goals around a certain date. You could even try Betterment, a robo-advisor. Laura and Michelle talk about some of the benefits of using these brokerages as a savings tool. Michelle and Laura share ideas about how to use money dates to realign priorities and goals with your partner. Whether you choose quarterly or annual money dates, remember to keep checking in with each other regularly to be sure that your finances are aligned with your values. If you loved this podcast, please subscribe and follow us for more conversations about the intersection of adoption, fertility, and finances. Are you ready to become a forever family? Schedule your 15 minute free no judgement appointment today to talk with Laura about where you're at in your financial journey, where you'd like to be, and how you'd like to get there. Links mentioned in this podcast: Young and Scrappy Best high yield savings Best CDs Schwab Vanguard Betterment Young & Scrappy Investment Course Check out what Kelli had to say about the Preparing Financially for Adoption course! "I believe one of the biggest struggles families can face is financial struggles and the last thing you want or need is to tie your roller coaster emotions that adoption can bring to poor financial decisions. Preparing financially for Adoption is a resource I wish we had available to us when we adopted! What a gift it would have been to have the structure and accountability to keep us on the same page and communicating before, during and after our adoption process. The spreadsheets provided are gold for staying organized which can relieve a lot of stress. There are also guides for date nights and talking about the $ that I find valuable even now! Money is something that is easy to let one person handle or to choose to not talk about and it's so vital to stay connected on this topic especially when you are making big life decisions for your family such as adopting. Because Laura is a Money Coach and an adoptive mom you can trust she is giving you sound and valuable information. There are so many things that are required to invest in to prepare for adoption, in my opinion this course should be one of them!" — Kelli
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