Podcast appearances and mentions of mindy jensen

On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Dave Fleischer, a teacher who's proving that you don't need a six-figure salary to achieve financial independence. If you've ever felt discouraged because your FI number seems impossibly high or your current salary feels too small to build real wealth, this episode will completely shift your perspective by showing that financial independence isn't about how much you make, but how strategically you manage what you have.  Whether you're a teacher, earn a median income, or simply want to see how creative financial planning can accelerate your journey to freedom, you'll discover actionable strategies that work regardless of your income level and prove that YOU can follow this simple path to achieve financial freedom too. In this episode, you'll learn: How Dave and his wife became net worth millionaires at 39 years old. Can one move change your life? Living below your means is key to building wealth. If you can downsize your lifestyle, it is a cheat code. And SO Much More! Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with John Bowens from Equity Trust. John is an expert on the often-overlooked 72(t)t rule that could be a game-changer for early retirees. This often misunderstood withdrawal strategy allows people under 59.5 to tap into their retirement accounts without facing the brutal 10% early withdrawal penalty that typically guards these funds. John breaks down the complex world of Substantially Equal Periodic Payments (SEPP), walking listeners through the different calculation methods, critical liquidity considerations, and smart investment strategies that can make or break a 72T IRA approach. In this episode, you'll learn: How to access retirement funds early with the often overlooked 72(t) rule Avoiding 401(k) penalties and using retirement accounts to actually retire early  The rules and regulations you MUST follow to withdraw penalty-free  And SO Much More! Learn more about your ad choices. Visit megaphone.fm/adchoices

Want to retire early? What about early retirement AND making millions of dollars tax-free? Only one real estate investing strategy gives you the ability to do both, but 99% of investors won't try it. Why? We don't know because today's two guests, as well as Dave, are all using this investing strategy in 2025 to make a killing on their real estate deals. It's not house hacking, it's not medium-term rentals, and it's not private lending—it's live-in flipping. Never heard of live-in flipping? There's a good reason—nobody is doing it, even though it boasts the biggest benefits of almost any real estate strategy out there. This method enabled Mindy Jensen to accumulate millions of dollars in net worth by her early 50s, much of which was tax-free. The same strategy is being used by Ashley Kehr and Dave to make hundreds of thousands of dollars in profit simply by buying a house, fixing it up while living in it, and reselling it. How does this get you to early retirement? Simple: you make hundreds of thousands tax-free, more than what your job might pay you over several years, dramatically boosting your bank account and allowing your investments to multiply way faster. Anyone can do it—whether you're single, have a partner, or kids—and the benefits are unbeatable. Wanna know how to start? Mindy, the expert on live-in flips, is sharing her secrets in today's episode.  In This Episode We Cover Live-in flipping 101, the best real estate strategy for tax-free millions  What type of house makes the best live-in flip (with the highest profits) What level of renovation to put into the house (DON'T pick your favorite upgrades) Tips to keep your family comfortable while live-in flipping, especially if you have kids  Financing a live-in flip and one easy way to get a lower interest rate  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1133 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jackie is out this week, and her co-host seat is being filled by Mindy Jensen (the hostess with the mostest

Can smart real estate investing and the FIRE movement transform your financial future? Uncover the powerful "live-in flip" strategy that sometimes allows homeowners to renovate, sell, and pocket massive tax-free profits—all while living in the home. Learn how to leverage tax laws legally, navigate real estate markets, and maximize returns without overpaying Uncle Sam. Plus, explore the path to financial independence, the secrets some have used to reach FIRE in just 10 years, and how to avoid the "middle-class trap" that prevents many folks from achieving significant wealth. Whether you're looking to invest in property, retire early, or simply take control of your finances, this episode is packed with actionable insights. Tune in to hear Mindy Jensen, co-host of The BiggerPockets Money Podcast, share her winning strategies with Wes.

Should you invest in real estate or stocks in 2025? What if you DON'T have to choose? Today, we'll share how you can have the best of both worlds with strategies you've probably never heard about! Welcome back to another Rookie Reply! Today, Ashley and guest cohost Mindy Jensen are answering more of your recent questions. First, what's the best way to build credit so you can qualify for a mortgage? We'll debate the legitimacy of credit repair companies and provide some crucial tips for raising your credit score. Next, we'll not only settle the real estate versus stocks debate but also show you some of the best ways to invest in both! Finally, sometimes deals go south, but this is why you need to have multiple investing strategies up your sleeve. We'll get creative and help an investor get out of a sticky situation! Looking to invest? Need answers? Ask your question here!   In This Episode We Cover: Whether you should invest in real estate or the stock market in 2025 Leveraging your brokerage and retirement accounts to buy a rental property The five factors that make up your credit score (and steps to improve them!) The BEST financing options for those with less-than-perfect credit Why you must have multiple exit strategies for your investment property And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPockets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube Follow Real Estate Rookie on Instagram Get Your Financial House in Order with an Investor-Friendly Financial Planner Ask Your Question for a Future Rookie Reply Buy the Book “Recession-Proof Real Estate Investing” Sign Up for the Real Estate Rookie Newsletter Find an Investor-Friendly Agent in Your Area Real Estate vs. Stocks: What 145 Years of Returns Tells Us Connect with Mindy   (00:00) Intro (00:37) Building Credit 101 (08:42) Real Estate vs. Stocks (23:16) Changing Your Strategy (30:38) Connect with Mindy! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-526 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to ring in the new year with a twist? On this episode of Stacking Benjamins, we consult the one and only Magic 8-Ball to make our bold predictions for 2025. Will the stock market be riding high, or is it headed for a tumble? What's next for Bitcoin, and can Taylor Swift's love life predict the future? Join Joe, OG, Len Penzo, and Mindy Jensen as they tap into the 8-Ball's mystical power (or maybe just have a laugh trying) to forecast the year ahead. But before we get too caught up in the crystal ball, we take a look back at last year's predictions. The 8-Ball hit some big marks, like predicting Nvidia's rise, but it also missed a few. Along the way, Mindy shares her early (and hilarious) experience with Berkshire Hathaway, sparking a fun conversation about investing wisdom. And of course, Len brings his signature humor, diving into everything from crypto to drones to the wild world of Taylor Swift fandom. If you're in the mood for financial insights, pop culture predictions, and a whole lot of fun, this episode is for you. Whether the Magic 8-Ball is on the money or way off the mark, you won't want to miss our 2025 forecast. Grab your popcorn, sit back, and join us for an episode packed with surprises! FULL SHOW NOTES: https://stackingbenjamins.com/magic-8-ball-2024-recap-2025-predictions-1632 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are you still haunted by that Cleveland Browns jersey you never asked for? Or maybe you're on the hunt for the perfect gift for the money nerd in your life? Fear not! Joe, OG, Doug, Mindy Jensen (from BiggerPockets Money), and Jesse Cramer (from Best Interest) are here to save the day with a sleigh-full of gift ideas that won't end up in next year's white elephant exchange. This episode is stuffed with creative ideas, from meaningful experiences and insightful book recommendations to practical subscriptions and quirky mugs that'll light up the eyes of any financially savvy friend. As the holiday banter flows, OG takes the trivia crown, and Mindy and Jesse share stories, laughs, and plenty of cheerful banter. Whether you're buying for your favorite money nerd—or looking for ideas to add to your own wishlist—this episode is your guide to holiday shopping success. Episode Highlights Festive introductions and holiday banter Special broadcast from YouTube HQ: The Stacking Benjamins Show goes live! Exploring financial independence and how it shapes gift-giving Meet the guests: Mindy Jensen and Jesse Kramer join the basement party Gifts for money nerds: From the practical to the quirky The great debate: Experiences vs. material gifts Financial board games that teach (and entertain!) Trivia time: Holiday and Rudolph the Red-Nosed Reindeer fun Uncovering the story behind Rudolph's red nose Gift ideas galore: Books, subscriptions, and unique finds for the finance-minded Farewells and podcast highlights to brighten your season From laughs to lightbulb moments, this episode is packed with inspiration to make your holiday gift-giving easier—and way more fun. Tune in and start stacking those holiday wins!

Do you want to buy a rental property in 2025 but fear money could get in the way? Putting 15%-20% down is a huge hurdle for new investors, but there are several strategies you can use to limit your expenses, grow your income, and even put LESS money down. If you want to know how to save for a down payment as quickly as possible, you need these money-saving tips! Welcome back to the Real Estate Rookie podcast! Before you can invest in real estate, you need to lay a solid financial foundation, and today, personal finance expert, master live-in flipper, and co-host of the BiggerPockets Money podcast, Mindy Jensen, joins the show to weigh in on this crucial topic. Do you have your spending in check? Are you finding ways to grow your income? How's your credit score looking? Whether you're starting from scratch or looking to level up your finances, we'll share some actionable steps you can take toward buying property in 2025. We'll also talk about ways to leverage your retirement accounts to buy real estate, whether you should pay down debt before investing, and other investments (that aren't real estate) that could help you build wealth! In This Episode We Cover: ow to go from ZERO dollars saved to a full down payment for a rental property Whether you should pay off your debt before investing in real estate Creative ways to grow your income so that you can save money faster How to avoid a 20% down payment when buying your first property Leveraging your retirement accounts to buy passive real estate investments How to build wealth with other investment vehicles (beyond real estate) And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPokckets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube BiggerPockets Money 97 – Intentionally Choosing the Path to Financial Independence with Financial Mechanic BiggerPockets Money 35 – Hacking Your Life to Live for (Almost) Free with Craig Curelop Qube Money Buy the Book “Real Estate Rookie” Find Investor-Friendly Lenders BiggerPockets Money 110 – Systematically Increasing Income and Intentionally Decreasing Spending with A Purple Life Connect with Mindy (00:00) Intro (01:13) Laying a Financial Foundation (06:10) Saving for a Down Payment (12:58) How to Grow Your Income (22:59) Other Investment Avenues (28:24) Leveraging Retirement Accounts (31:58) Paying Off Debt vs. Investing (41:07) Connect with Mindy! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-492 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Struggling to pick what to invest in, especially when real estate prices and mortgage rates are still so high? Many investors are sitting on the sidelines, saving cash for their first or next investment property, but nothing seems to work out. So what do you do, keep your money socked away or invest in other assets that aren't real estate while waiting for the right time to pull the trigger? We know many of you are in this position, so today, we're sharing what we're investing in that ISN'T real estate. This may be a surprise, but even some of the most well-known investors in the BiggerPockets universe aren't 100% in real estate. Dave Meyer, Brian Burke, and Mindy Jensen all don't have even half of their net worths in real estate investments. As such respected real estate investors, what else are they putting their money into that ISN'T more rental properties?  In this episode, you get to peek into our investment accounts as we share exactly what we've been investing in, how we diversify our investment portfolios, and the “riskier” assets we put our money into that you may not even know exist. So, if you're struggling to buy real estate or just don't think investment properties are for you, worry not; you can still build wealth without purchasing a property.  In This Episode We Cover: Alternatives to real estate investing that we're investing in NOW  Diversifying your investment portfolio and why you SHOULDN'T hold just one type of asset  The “riskier” investments that we're making and how much money we allocate for them  De-risking your portfolio by buying safer, passive, less volatile assets What beginners should do to build wealth even with a small(er) amount of money   Whether to continue waiting on the sidelines or start investing NOW And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! BiggerPockets Money Podcast  On the Market Get Banking Built for Landlords with Baselane Invest Passively with Brian's Book, “The Hands-Off Investor” Find an Investor-Friendly Agent in Your Area See Dave and Mindy at BPCON2024 in Cancun! Real Estate Isn't Enough—Here's How Three Pro Investors Diversify Their Portfolios Connect with Brian Connect with Mindy Connect with Dave Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1022 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mindy (and Carl) talk about how to get your partner on board with Financial Independence.Carl brings up Mindy's mysterious old boyfriend, Mr. PieHow Carl and Mindy discovered FIMindy (and Carl's) superpower that made them wealthyCarl/Cypress HillBest tips for convincing a partner to FIJT, do you read the show notes?

People don't want to talk about money. We'd all be better off if we did. Mindy (and Carl) talk about how to talk about money. In the course of the conversation, Carl learns a deep-dark money secret about Mindy and one of her ex-boyfriends. Juicy.

Mindy and Carl talk about what expenses will look like post-retirement:First, they answer a retirement tax question from a listener.Then, they list the reasons why they think expenses will be less in retirement.And The Bull gets a name?!??LinksProjectionLab: https://projectionlab.com/Eric Cooper: https://mindyonmoney.com/s1/30HelloNectarine: https://hellonectarine.com/Mindy On Money: https://mindyonmoney.com/Facebook group: https://www.facebook.com/groups/mindyonmoneyEmailMindy: mindy@mindyonmoney.comCarl: carl@mindyonmoney.comThe Bull: bull@mindyonmoney.comThanks for listening!

In this episode of Mindy (and Carl) on Money:Carl asks Mindy why she's still working, even though she doesn't have toWhat Mindy gets out of her fancy jobCarl threatens to start a competing podcast with The BullMindy's advice for those on the edgeCarl tells Mindy why he was walking around topless in the neighborhoodLinksScholarship: https://mindyonmoney.com/scholarshipMindy's day gig: https://www.biggerpockets.com/podcasts/moneyMindy On Money: https://mindyonmoney.com/Mindy on Money facebook group: https://www.facebook.com/groups/mindyonmoneyThanks for listening!

Mindy interviews Carl about his early retirement journey. Before the interview starts, they have a silly chat about the Cybertruck.Links:Sheeks Freaks: https://www.sheeksfreaks.com/The Boring Middle: https://mindyonmoney.com/s1/23Doc G: https://diversefi.com/The FI Cruise: https://www.amberlygrant.com/cruiseDarren and Jolene on Mile High FI: https://www.youtube.com/watch?v=kXUyYZGa4lsFI Brain Trust: http://fibraintrust.com/Thanks for listening!

Mindy (and Carl) talk about the recent market fluctuations.THE SKY IS FALLING says the financial media. Should most of us care? No.Did Mindydamus predict the 2020 crash?If Mindy goes to Disney, is she Mindy Mouse?Also, the bull gets an email address.Show notes:Camp FI: https://campfi.org/Mindy on Money: https://www.mindyonmoney.comMindy on Money facebook group: https://www.facebook.com/groups/mindyonmoneyThanks for listening!

Mindy (and Carl) talk about recent road trips, how the FI community has influenced their travels, and best tips for road trips.LinksMMM HQ: https://www.mrmoneymustache.com/hq/Our local Meetup group: https://www.meetup.com/NoCoMustachians/Best Buddies: https://www.bestbuddies.org/Kristen Knapp on MOM: https://mindyonmoney.com/s1/29Eric Cooper on MOM: https://mindyonmoney.com/s1/30FatFIRE: https://www.facebook.com/groups/fatfireMindyOnMoney: https://www.mindyonmoney.comMindyOnMoney facebook group: https://www.facebook.com/groups/mindyonmoneyFinTalks cruise: https://www.amberlygrant.com/cruiseFarm Toy Museum: https://www.nationalfarmtoymuseum.com/Choose FI groups: https://apps.choosefi.com/local-groups/Thanks for listening!

Mindy (and Carl) discuss how they discovered the financial independence movement:Carl was only a Google search away from living his best lifeMindy goes to the wrong session at a conference and lands a job anywayThen, they talk about their favorite resources:BooksThe Simple Path to Wealth: https://amzn.to/3SbKUbwSet For Life: https://amzn.to/3Y7lbF4The Millionaire Next Door: https://amzn.to/4d2GQmaThe Psychology of Money: https://amzn.to/3LpYFQ7PodcastsSide Hustle Nation: https://www.sidehustlenation.com/Mile High FI: https://milehighfi.com/BiggerPockets Money: https://www.biggerpockets.com/podcasts/moneyBlogsBudgets are Sexy: https://budgetsaresexy.com/ways-to-make-money/1500 Days: https://www.1500days.com/death-march-financial-independence/Mad FIentist: https://www.madfientist.com/how-to-access-retirement-funds-early/MMM on optimism: https://www.mrmoneymustache.com/2012/10/03/the-practical-benefits-of-outrageous-optimism/MMM on confidence: https://www.mrmoneymustache.com/2018/03/09/money-and-confidence-are-interchangeable/EventsBP Con: https://biggerpockets.getregistered.net/conference-2024 (enter code Mindy200 to save $200)EconoMe: https://economeconference.comFinTalks cruise: https://www.amberlygrant.com/cruiseThanks for listening!

In today's episodes, Sean Mullaney, the FI Tax Guy answers questions from Mindy (and Carl).Please note: The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Mindy, Carl, and the Mindy On Money podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. Is the stock market overvalued?What do you do if you have a high stock concentration?Donor advised funds!Sean's workLinks:Sean Mullaney: https://fitaxguy.com/Macrotrends: https://www.macrotrends.net/Simple Path To Wealth: https://amzn.to/4cwwUByThe Arithmetic of Active Management https://web.stanford.edu/~wfsharpe/art/active/active.htmBogleheads conference: https://www.bogleheads.org/forum/viewtopic.php?t=429430Mindy on Money: https://www.mindyonmoney.comMindy on Money facebook group: https://www.facebook.com/groups/mindyonmoneyThanks for listening!

Mindy (and Carl) talk about what they spend money on including:healthbookslocal artistsparties!But money should NOT be wasted. Where do you draw the line?!?? If you can do something yourself, should you do it even if you don't like it? Looking at you car brakes.How do we overcome the aversion to spending money? Is Mark Trautman's fun bucket the mind hack you need to get over the hump?And finally, First Class Farts.Links:Mindy On Money: https://mindyonmoney.com/Facebook: https://www.facebook.com/groups/mindyonmoneyMark's fun bucket: https://marksmoneymind.com/the-fun-bucket-overcoming-the-frugality-mindset/Heligoats Tiny Desk concert: https://www.youtube.com/watch?v=gtnY_HxqCJQThe new Tesla: https://www.1500days.com/the-355-tesla-model-y-the-good-the-bad-and-the-fsd/Catching Up To FI: https://catchinguptofi.com/EconoMe: https://economeconference.com/Adriatico's Pizza: https://adriaticosuc.com/Thanks for listening!

Welcome to a new episode of Get Creative! In this episode, Pace shares his journey from being a contractor to becoming a renowned real estate investor with Mindy Jensen and Scott Trench from BiggerPockets Money. We'll dive deep into creative finance strategies, including seller financing and subject to deals, and uncover the importance of finding the "bunnies" in every transaction. Get ready to learn, be inspired, and take actionable steps towards your financial freedom.   Highlights: "Real estate is not about the house; it's about the seller and helping them out."   "The value of something is not the purchase price; it's what you can do with it."   "Equity comes and goes, but the cash will always flow."   "In creative finance, relationships with people one step ahead of you are the most important thing."   Timestamps: 00:00 Introduction to the Episode 04:51 Pace Morby's Background and Journey 09:45 The Importance of Finding the "Bunnies" 13:53 Getting Started in Real Estate Investing 18:15 First Creative Finance Deal 25:00 Transition from Contractor to Investor 33:10 Seller Finance and Subject To Explained 40:00 Benefits of Creative Finance Over Traditional Methods 48:56 Strategies for Finding Creative Finance Deals 58:25 Companion Guide for Creative Finance Book   ► Join The Subto Community & Learn Creative Finance Directly from Pace:   https://paceapproves.com/subto-gc  ► Want to Become a Private Money Lender?  Join Us For The Upcoming LIVE Training this Saturday to Learn How to Lend Money on Real Estate Deals: http://joingatortribe.com/yt    ► Join Our Free Facebook Group to Connect with Pace and his Students: https://paceapproves.com/freefb-yt    ► Become a Top Tier Transaction Coordinator and Make Money Doing The Paperwork For Real Estate Transactions: https://paceapproves.com/tttc-gc    ► Listen To Pace and His Students Share Insider Secrets To Real Estate Investor Success: https://getcreativepodcast.com/     PLUG IN & SUBSCRIBE  Instagram: https://www.instagram.com/pacemorby/  TikTok: https://www.tiktok.com/@pacemorby 

Everyone wonders what they can add to their life to increase happiness. Not many consider the powerful act of subtracting stuff you don't like. What could you eliminate from your life to make you happier?Thanks Jolene for inspiring this episode!Links:MMM HQ: https://www.mrmoneymustache.com/hq/MMM HQ Meetup group: https://www.meetup.com/NoCoMustachians/Mad FIentist: https://www.madfientist.com/happiness-through-subtraction/Mindy On Money: https://www.mindyonmoney.comMindy On Money facebook group: https://www.facebook.com/groups/mindyonmoneyWatch on YouTube: https://www.youtube.com/watch?v=oplVfhnYIZQThanks for listening!

Carl and I didn't do a good job of evolving with money. Even after we had more than enough, we continued to behave like broke college students in many ways. Not good.Consider the opposite situation: If you weren't wealthy and lost your job, you'd find ways cut your spending. So why do many of us not learn how to spend when our net worth grows?But money shouldn't be wasted because you have more of it. It's complicated...Links:Amberly's FinTalks cruise (Carl and I are going!): https://www.amberlygrant.com/cruiseMark Trautman: https://marksmoneymind.com/Mindy On Money: https://www.mindyonmoney.comMindy On Money facebook group: https://www.facebook.com/groups/mindyonmoneyWatch on YouTube: https://www.youtube.com/watch?v=j5D2wsotf1QThanks for listening!

Eric Cooper retired at 50, just a couple years after learning about FIRE. I'm tired and too lazy to write detailed notes for this one, but Eric is a good dude and this is a good show, so give it a listen.

In a recent episode of the BiggerPockets Real Estate Podcast, I had the privilege of chatting with Mindy Jensen about my journey to financial independence. One burning question arose: How did I manage to lower my expenses without sacrificing quality of life?  Well, fellow FIRE enthusiasts, let me share six of my key insights into how I transformed my financial landscape by embracing strategic hacks that allowed me to live life to the fullest (no cutting out lattes here!) without breaking the bank. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mindy (and Carl) interview KMOV meteorologist and good friend, Kristen Knapp.Show notes:Kristen forgives Carl for his weather jokesBeing a meteorologist isn't as glamorous as what you'd thinkKristen's crazy backstoryReading Money magazine. As a kid!Breaking out of generational habitsDoes worrying serve you?Links:Camp FI: https://www.campfi.orgFacebook group: https://www.facebook.com/groups/mindyonmoneyMindy On Money: https://www.mindyonmoney.comThanks for listening!

In this episode, Mindy (and Carl) answer questions from the audience:What does it mean to live life to the fullest?Do you think that FI adherents have a better sense of living a full and rich life?How to create mini goals or milestones for something to work towards in the short term.How to evolve with money as you progress towards retirement.Mindy's obsession with buckets.Links:Scholarship: https://mindyonmoney.com/scholarshipFacebook group: https://www.facebook.com/groups/mindyonmoneyThanks for listening!

In this episode of Money Talks News, the podcast dives into the challenging housing market as Stacy Johnson and Miranda Marquit discuss strategies for buying a home despite high rates and low inventory. They are joined by real estate expert Mindy Jensen from BiggerPockets. Mindy shares insights on preparing finances, creative financing options, and the pitfalls to avoid in such a tight market. The conversation extends to the recent legal changes affecting real estate agent commissions, offering listeners a thorough understanding of the current landscape. Whether you're an eager buyer or a cautious renter, this episode provides valuable advice and perspectives. 00:00 Welcome to Money Talks News: Navigating the Housing Market00:33 Expert Insights with Mindy Jensen on Real Estate01:32 The Art of Live-In Flips and Tax Benefits03:16 Navigating a Tough Market: Strategies and Stories09:44 Financial Strategies for Buying in a High-Rate Market10:57 Understanding Mortgage Payments and Home Affordability14:50 The Rent vs. Buy Debate in Today's Market18:02 Exploring Alternative Financing and Investment Strategies19:56 The Risks and Rewards of Margin Loans for Real Estate23:12 Making Decisions in a Challenging Real Estate Market24:20 Navigating Real Estate Pricing and Mortgage Payments26:11 The Art of Negotiation and Seller Financing32:52 Exploring Mortgage Assumptions and Creative Financing42:36 Adjustable Rate Mortgages: A Risky Solution?45:17 The Future of Real Estate Commissions and Buyer's Agents Existing home sales surged 9.5% in February 2024, the largest increase in a year. Even with the rate of home sales slowing down a bit, they remain relatively strong. With home sales still fairly strong, we're not likely to see prices come down anytime soon. Combine that with relatively high mortgage rates, and it's definitely NOT a buyers market. But what if you're ready to buy a home anyway? What can you do to best position your finances to get ready to buy a home, no matter what's going on with the market? In this episode we welcome back a friend of the show Mindy Jensen from BiggerPockets to help us sort out how to get the best bang for your homebuying buck. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations. Before investing in anything or making any money moves, do your own research and make your own decisions. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money. Why is the housing market so tough for buyers right now? We start by taking a look at why the housing market is so tough right now—and why prices remain stubbornly high. Some of the reasons that home prices haven't come down as much as we'd like: There remains a housing shortage of at least 1.5 million homes. It can be difficult to buy a home on a current income since home prices have far outpaced wage growth in recent years. Coming up with a down payment can feel challenging in the current climate. On top of that, there are concerns about how the recent settlement with the National Association of Realtors could impact buyer representation and costs for buyers. However, some of these pressures might finally help bring home prices down, at least in some markets. Depending on where you hope to buy, you might be able to find lower home prices as you move forward with your homebuying journey. Tips for preparing your finances for buying a home in any market Our episode includes helpful information on buying a home, pointing out that it depends on your goals. Trying to time the housing market, especially when you're looking for your primary residence, might not make much sense in the long run. We reference a past episode featuring Mindy, which offers tips on getting the best homebuying deal possible. But we also talk about some of the realities of getting financing these days. You don't need to put down 20%, even though that's the conventional wisdom. Indeed, first-time homebuyers often put down 6%, and some conventional programs through Fannie Mae and Freddie Mac allow as little as 3% down. Figuring out how to come up with a down payment is one of the most difficult parts of the process. Government programs can help you get a lower down payment. We talk about FHA loans and VA loans as ways to get help financing a home with a low down payment. Another option is to use seller financing. If you can work out a deal with the seller, and they don't need an immediate chunk of cash, you might be able to convince someone to help you with a deal. Keep your credit score as high as possible and make sure you have a low debt-to-income ratio to increase your chances of being approved at the most competitive rates. Understand your goals for buying. In some cases, getting a cheap live-in fix and flip, like what Mindy does, can be a way to make the most of your dollars—as long as you have the ability to upgrade the home yourself. We also spend some time on the rent vs. buy debate. In the end, figuring out why you want to buy is essential to moving forward. Miranda also talks a little bit about how much she likes renting. Meet this week's guest, Mindy Jensen Mindy Jensen is a licensed agent in Colorado, and has been buying and selling houses for more than 20 years. She's the Community Manager for BiggerPockets.com, and the host of the BiggerPockets Money Podcast. Website Podcast Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Jennifer is 50 and has $100,000. Can she retire with $1,000,000? Is this even a realistic (or good) idea?Links:Amberly's new podcast: https://www.amberlygrant.com/podcastSocial Security will be OK: https://awealthofcommonsense.com/2024/05/is-social-security-going-bankrupt/Catching Up To FI: https://catchinguptofi.com/Thanks for listening!

We've learned so much from the FIRE community. And it goes way beyond the 4% Rule...Links:Tesla referral code: https://www.tesla.com/referral/carl68907JL Collins: https://www.jlcollinsnh.comCarl's blog: https://www.1500days.comCarl's podcast: https://www.milehighfi.comFee only, FI advisors: https://www.downshiftfinancial.comBudgets Are Sexy: https://www.budgetsaaresexy.comKolodij Tax: https://www.kolotax.com/Thanks for listening!

Podcast is hosted by FinTalks. Sign up for FinTalks https://www.amberlygrant.com/fintalksBuying and selling real estate is something some of us will do at least once in our lifetime. What does it mean to "buy right" or how do you choose an agent and can you walk away from a bad house? Mindy Jensen from Bigger Pockets Money and I discuss the ins and outs of buying and selling real estate. Ever wonder what happens to that big fat commission check your realtor gets? We definitely get into that! We discuss NAR settlement and what that means for you. No matter if you are buying your primary residence or an investment property, you need emotional resilience, careful planning and a great team. Join us as we discuss all things real estate!Choosing the right real estate agent Understanding commissions Negotiation strategiesThe nuances of fixed fee versus percentage-based agent fees Total costs of homeownershipFind Mindy: Mindy (and Carl) on Monday Podcast: https://mindyonmoney.com/subscribeTwitter: MindyatBPFind Amberly: https://www.amberlygrant.com/

Someone recently asked Carl if he regretted retiring early. Mindy (and Carl) ponder the question on this week's episode.Links:Money Will Solve Money Problems: https://www.1500days.com/money-will-solve-money-problems/Ramit: https://mindyonmoney.com/s1/2Hoffman Process: https://www.hoffmaninstitute.org/the-process/Pool School: https://www.swimuniversity.com/pool-podcast/Hot Tubs 101 https://www.swimuniversity.com/hot-tub-podcast/Thanks for listening!

Mindy had an interesting conversation with a group of entrepreneur friends. None of them seemed to like the idea of FIRE. Or did they? What would you do if you had autonomy over your time?Does FIRE need a rebrand?Links:- Alex Felice: https://www.alexandria.capital/home- Mindy On Money: https://www.mindyonmoney.com- Mindy On Money facebook: https://www.facebook.com/groups/mindyonmoneyThanks for listening!

The Boring Middle is the time between when you discover FIRE and when you retire. Dreaming about your Future FIRE Life is fun, but you've got to enjoy the time in between too.Links:The Mad FIentist interview: https://mindyonmoney.com/s1/22BPCon Cancun!: https://biggerpockets.getregistered.net/conference-2024Thanks for listening!

Editor's Note: This episode initially aired on July 13, 2022. It may contain some details that are out of date. Even with talk of a cooling housing market, prices are still high, and inventory is still low. If you're looking for a good deal, what are you supposed to do? This week we're going to find out how to find a great real estate deal no matter the market. As usual, co-hosts Stacy Johnson and Miranda Marquit are joined by producer Aaron Freeman. Today's special guest is Mindy Jensen from the real estate investing and education website BiggerPockets. Remember, even though we sometimes talk about specific investments on this show, don't take them as recommendations because they're not. Before investing in anything, do your own research, and make your own decisions. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money and our YouTube page for more videos. https://youtu.be/pXbYYIpisxA What's going on with the housing market? Things might be slowing down a bit, but the housing market is still red-hot in some areas. Where is the housing market overheated, and where is it likely to maintain its value? Check out our slideshow on 20 overvalued housing markets. One of these markets is in Boise, Idaho. Miranda lives in Idaho! Not all cities have seen a housing boom. Check out our article on some cities where homeowners remain underwater. Real estate really is local. Worried about a coming pullback? You might be fine if you live in one of the real estate markets likely to hold their value. Are we really in a housing market bubble? Listen to our previous podcast episode with Mindy, talking about what's next for the housing market. Before you buy a home, make sure you're not in one of these housing markets that are likely to drop. How affordable is it to buy a home? Check out the St. Louis Fed's housing affordability index and the NAR affordability index. Interested in the relationship between mortgage rates and housing prices? Check out this analysis by the Urban Institute. Tips for finding a good deal on a home Mindy thinks that it's possible to find good deals no matter what the housing market looks like. Get to know your local real estate market and start deal hunting if that's what you're interested in. First-time homeowner? Check out our article on buying your first home. Learn how to buy a home even if you have a small down payment. Stacy has advice on how to decide whether to rent or buy a house. Looking for the best location? We've got an article full of tips on finding the best location for your home. It's not always about buying a home to live in. Check out our list of cities where you can make bank when you buy a rental property. Use our tips on how to find a good rental property. Want a place to live and make money as well? Check out the BiggerPockets guide to house hacking. Meet this week's guest, Mindy Jensen[caption id="attachment_396560" align="alignnone" width="1920"] Mindy Jensen / Money Talks News[/caption] Mindy Jensen is a licensed agent in Colorado, and has been buying and selling houses for more than 20 years. She's the community manager for BiggerPockets.com, and the host of the BiggerPockets Money Podcast. Website Podcast Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Mindy (and Carl) talk to the FIRE legend, The Mad Fientist! They talk about their lengthy history, what they learned from Ramit, and the endless pursuit of happiness.Links:Mad FientistHappiness Through SubtractionSoulMad Fientist's albumMindy On Money Facebook groupThanks for listening!

Mindy (and Carl) tackle their first case study. Alex is about to retire from a high-powered career. What's next?Mindy On Money ScholarshipStanford walking studyFinding what you're meant to do: Taking StockChoose FI Local GroupsLongmont Meetup groupCamp FICarl's blog: 1500 DaysMindy On Money Facebook groupThanks for listening!

Some people don't like FI events! Mindy (and Carl) talk about FI hate email.Mindy On Money ScholarshipAmberly's FI CruiseEconoMeChoose FI Local GroupsLongmont Meetup groupCamp FICarl's blog: 1500 DaysMindy On Money Facebook group

Mindy (and Carl) talk about why it's important to have a money date before having their own.  Along the way, Mindy invents a new word!LinksMoney Date on BiggerPockets Money (157)Appearing on Ramit's showBiggerPockets publishing: Lend to LiveHow we're selling off our stocks (1500 Days): An Index Fund In ReverseHelping the young on the road to financial independence: Sheeks FreaksMindy On Money scholarshipBuying a Tesla? Use our referral code for some perks!Thanks for listening!

A property manager can alleviate the burden of screening tenants, collecting rents, and maintaining your property. But if you're not careful, exorbitant fees and unexpected charges can quickly eat away at your cash flow. Today, you're going to learn how to navigate this relationship and ensure that you're getting these services at fair value! In this Rookie Reply, Mindy Jensen from the BiggerPockets Money podcast and Tiamo Wright, Director of Product and Marketplaces at BiggerPockets, are joining us to help field your recent questions. First, we discuss medium-term rentals and how they differ from both long-term and short-term rentals, as well as whether you should invest in real estate while you're in debt. We also get into real estate development and some of the different ways to fund larger projects. Looking to buy your first short-term rental property but don't know where to start? Our experts will point you in the right direction! If you want Ashley and Tony to answer a real estate question, you can submit a question here, post in the Real Estate Rookie Facebook Group, or call us at the Rookie Request Line (1-888-5-ROOKIE). In This Episode We Cover: How to “manage” your property manager (and approach conflict!) Whether you can invest in real estate while carrying student loan debt Creative ways to get financing for a new construction project How to buy and launch a short-term rental property The very FIRST step you should take when buying a rental property Mindy's and Tiamo's best real estate investing tips for rookies And So Much More! Links from the Show Find an Agent Find a Lender Ashley's BiggerPockets Profile Ashley's Instagram Tony's BiggerPockets Profile Tony's Instagram Real Estate Rookie Facebook Group Join BiggerPockets for FREE Submit Your Real Estate Rookie Question! Apply to Be a Guest on the “Real Estate Rookie” Podcast Tune in to the “BiggerPockets Money” Podcast Hacking Your Life to Live for (Almost) Free with Craig Curelop How Nancy Rodriguez from ‘Love Is Blind' Hit Financial Freedom BEFORE Fame ‘Building' Wealth as a 24-Year-Old with 12 New Construction Projects Build Your Investor-Friendly Team The SMARTER Way to Invest in Real Estate Find Out if You're Eligible for a NACA Loan Connect with Mindy & Tiamo Mindy's BiggerPockets Profile Tiamo's BiggerPockets Profile   Check the full show notes here: https://www.biggerpockets.com/blog/rookie-383 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email: advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Cody Berman isn't even 30 and is already financially independent. He hustled and lived hard including delivering food on a bike and sleeping in a car. Along the way, he found a partner willing to make the same sacrifices. But how much of a sacrifice is it when you can build a net worth approaching $2,000,000 at the age of 27?Cody's story is inspirational.LinksCody's siteGold City VenturesCody's podcastMindyOnMoney siteStuff we likeMindy On Money YouTube

J. Money from Budgets Are Sexy talks about financial independence, unexpected sickness, and navigating early retirement with a working partner.LinksJ's ResumeBudgets Are SexyTwitter

Mindy (and Carl) share 16 unconventional money questions to discuss with your partner. Carl also discusses farts. LinksDownload our list of questions to ask your partner: mindyonmoney.com/questionsScholarship: mindyonmoney.com/scholarshipJoin our facebook group: facebook.com/groups/mindyonmoneyThanks for listening! 

Mindy and Carl love Financial Independence. But some don't...On this podcast, Mindy and Carl discuss why some hate Financial Independence and why they're wrong.LinksMindy On MoneyOur favorite booksPhysician On FIREThanks for listening!

In this week's episode, Patrick Donley (@JPatrickDonley) sits down with Scott Trench, CEO of BiggerPockets, to talk about how Scott pursued financial independence and shared his strategies in his book, Set for Life. You'll learn about how Scott got turned onto FI, the bet he placed on himself by leaving his W-2 and joining Bigger Pockets, what his views of the real estate market is in 2024, what his own buy box looks like, and where else he invests outside of real estate and index funds. Scott is the CEO and President of BiggerPockets and has dedicated his career to helping ordinary Americans build wealth in part through real estate investing. Since joining BP in 2014, Scott has authored the bestselling wealth-building book Set for Life and joined Mindy Jensen as co-host of the BiggerPockets Money Podcast. He is an active real estate investor in the Denver market, and currently manages a private portfolio of about $1.5M and holds his real estate license as a Colorado broker. Scott stays active in the BiggerPockets Forums and has contributed hundreds of articles, market analyses, and files to BiggerPockets. He hopes this will provide other investors the tools they need to repeat his results in just 3-5 years, giving them the option to go anywhere they want in the world, work any job, start any business, or finish out the journey to financial independence and retire young. IN THIS EPISODE, YOU'LL LEARN: 00:00 - Intro. 02:45 - How Scott first got turned onto financial independence. 05:20 - How he made his way from cubicle jockey to CEO of BiggerPockets. 07:37 - Why he is a big fan of house hacking. 09:02 - Who some of his early FI influences were. 12:51 - What the middle class wealth trap is. 16:18 - What his view of the 2024 real estate market is and where he sees opportunities. 18:50 - Why real estate is a bet on the long-term growth of the U.S. economy. 23:06 - When he thinks the right time to invest in real estate is. 32:43 - What asset class he thinks will get hurt the most in 2024. 33:14 - What Scott's buy box looks like. 35:50 - What Scott's portfolio look like. 43:25 - What Scott would have done differently looking back on his journey. 48:36 - Where else he invests outside of real estate and index funds. 51:29 - What it is like running BiggerPockets and how he structures his day. *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences. BOOKS AND RESOURCES Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Kyle and the other community members. Recommended book: Set for Life by Scott Trench. Recommended book: The Everything Guide to House Hacking by Robert Leonard. Recommended book: Early Retirement Extreme by Jacob Lund Fisker. Recommended book: Your Money or Your Life by Vicki Robin. Recommended book: Rich Dad Poor Dad by Robert Kiyosaki. Recommended book: The Millionaire Next Door by Thomas Stanley. Recommended book: The Bitcoin Standard by Saifedean Ammous. Check out the books mentioned in the podcast here. NEW TO THE SHOW? Follow our official social media accounts: X (Twitter) | LinkedIn | Instagram | Facebook | TikTok. Check out our Millennial Investing Starter Packs. Browse through all our episodes (complete with transcripts) here. Try Kyle's favorite tool for picking stock winners and managing our portfolios: TIP Finance. Enjoy exclusive perks from our favorite Apps and Services. Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: Fundrise Linkedin Marketing Solutions TurboTax HelloFresh NetSuite NerdWallet  Connect with Patrick: Twitter Connect with Scott: Website Learn more about your ad choices. Visit megaphone.fm/adchoices

We discuss with Carl and Mindy, hosts of the Mindy on Money Podcast, about how to be thoughtfully reckless with spending. We cover weighty topics such as "enough" and even touch on safe withdrawal rates. Can you get to the point where you no longer worry about money? Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Holidays from the Catching Up to FI team! Please enjoy this episode where Bill and Becky share their financial stories with Mindy Jensen and Scott Trench of Bigger Pockets Money. Connect with us! Buy CUtFI a coffee Resources mentioned on the show: Dave Ramsey Die With Zero: Getting All You Can From Your Money and Your Life by Bill Perkins White Coat Investor BiggerPockets Money Podcast Episode 344: Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions Playing With FIRE Documentary Set for Life: Dominate Life, Money, and the American Dream by Scott Drench Music Credit Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Real estate investing can make you rich or ruin you financially…if you're not taking the proper precautions. Today, you'll see just how easy it is to lose money on a bad real estate deal and how even the top investors, those with decades of experience, still can end up in a rough situation through no fault of their own. And while both the investors featured in this two-part series have made millions in real estate, they've also had a couple of deals gone wrong that have cost them hundreds of thousands. In this episode, we're talking to Mindy Jensen, host of the BiggerPockets Money podcast, about, as she calls it, “the house that almost broke me.” This property alone lost Mindy over a quarter of a million dollars, as she had to deal with crooked contractors, a once-in-a-lifetime flood, theft, and more. If you want to ensure you NEVER repeat the same mistakes as Mindy, listen to this ENTIRE episode before buying your next house. And next time, we'll be on with James Dainard, expert flipper and co-host of On the Market, to talk about his house flip that makes Mindy's look like a walk in the park! In This Episode We Cover How Mindy lost over $300,000 on ONE real estate investment  The one “waiver” you MUST get signed before you hire a contractor DIY vs. hiring it out on home renovations and why Mindy does almost all her own work The “five-hundred-year flood” and the WRONG time to replace a roof Why you must have emergency reserves before you invest in ANY property  And So Much More! Click here to listen to the full episode: https://www.biggerpockets.com/blog/real-estate-857 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

“Negative” cash flow can help you reach financial freedom up to FIVE TIMES faster, so why are most investors ignoring low-to-no cash flow deals? For decades, cash flow has been king in the real estate investing realm. Investors were told NEVER to buy a rental property that didn't bring in hundreds a month or at least break even. But now, this golden rule of real estate investing is broken, and there's a FAR faster way to build wealth that sacrifices cash flow for something much more powerful. And this isn't just some hypothesis or “what if” scenario. We have three investors today showcasing three real estate deals, ALL with negative cash flow and ALL with huge equity upside, 100% (or greater) returns, or profits that far outweigh what most investors even dream of achieving on their real estate deals. And if you do just a few of these deals the right way, you could reach financial freedom in a matter of years, not decades, like today's guests.  Join David Greene, James Dainard, and Mindy Jensen as they do their best to deprogram the masses from “cash-flow-only” investing and show you why negative cash flow isn't always bad—in fact, it could be a sign of an unbelievable deal.  In This Episode We Cover What is “negative” cash flow, and why TOP investors go for these deals ROE (return on equity): the one metric the ultra-successful pay attention to How James traded $800 a month for over $300,000 in equity (with ONE property) The danger of floating rate debt and how it can easily KILL your deals David's $100 negative cash flow deal that INSTANTLY made him $90K The negative cash flow rules that you MUST follow And So Much More! Click here to listen to the full episode: https://www.biggerpockets.com/blog/real-estate-852 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices