Podcast appearances and mentions of miranda marquit

Markets crashing? Interest rates spiking? Inflation roaring? Welcome to history. This week, we dig into 130 years of stock market meltdowns—from the panic of World War I to the Great Depression, 1970s stagflation, the dot-com collapse, and the 2008 financial crisis—to uncover timeless lessons that can fortify your financial future. Joe Saul-Sehy is joined by Miranda Marquit, Jesse Cramer, and OG to examine how investors have historically responded to chaos... and how you should, too. You'll learn why diversification matters, why panic rarely pays, and why staying the course (even when it's scary) can be the smartest move of all. Of course, this wouldn't be the Stacking Benjamins Show without a trivia detour that involves mailing children through the U.S. Postal Service (yes, that happened). Buckle up for laughter, insight, and financial takeaways that are as practical as they are entertaining. What WWI, the Great Depression, and 1970s inflation can teach us about investing Why “The Lost Decade” wasn't a loss for long-term thinkers How to build a resilient portfolio that weathers the storm Our infamous trivia game: How much could a kid weigh and still be legally mailed in the 1920s? A few money-saving hacks, podcast updates, and your weekend preview from the basement Whether you're a seasoned investor or just building your financial foundation, this episode will leave you smarter, more confident, and—let's be honest—way more amused than the average market history lecture. FULL SHOW NOTES: https://stackingbenjamins.com/lessons-from-stock-market-history-1695 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

There is very little disagreement in the personal finance world about the emergency fund. We generally hold mostly the same views. Today's guest, however, Miranda Marquit, says that we should be investing our emergency funds. Take a listen and delve into this particularly controversial viewpoint. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you're struggling to take your money to the next level, it might be your mindset. Or maybe you don't know where to start. If you're feeling stuck, a money coach might be able to help with long-term financial planning and building wealth. Today's guest is Nicole Stanley, founder of Arise Financial Coaching. Her passion is helping people build wealth so they can create goodness in the world. We're going to look at how your money mindset impacts your finances and the way a financial coach can help you take the next step toward building greater wealth. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on YouTube Music (formerly 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. What is a money coach? So many people are out there claiming to be able to tell you how to make the most of your money. Some of these folks have financial credentials, while others don't. Trying to figure out who to trust can be a big deal. Nicole explains what a money coach does, pointing out that coaching has fewer regulations and is a different beast from financial advising. It's also important to note that a financial coach doesn't do the same thing as a financial advisor and won't manage your money for you. Additionally, while some organizations recognize coaches, anyone can call themselves a coach and take your money. We have a great article on how to choose a financial advisor that works for you. What can a financial coach do for you? While a financial coach isn't usually a credentialed financial professional, they can still help you on your financial journey. Here are some of the ways a money coach might be able to provide you with insights into your finances: Exercises to help you understand your relationship with money Help you understand your financial values Set money priorities that make sense for you See money as a tool to help you achieve your goals rather than being the end goal Make a change to how you view money We also talk a little bit about financial shame and how some gurus, like Dave Ramsey, focus on that aspect to motivate you rather than finding positive motivation. (Check out our podcast episode on Dave Ramsey.) Meet this week's guest, Nicole Stanley Nicole Stanley is the owner and head money coach at Arise Financial Coaching. Her mission? Shame-free and accessible wealth-building education empowering women. Nicole is a Latina founder and personal finance expert. After paying off debt and increasing her family's net worth through investing, she discovered her passion for helping women change their communities through financial literacy and wealth. Arise Financial Coaching has helped hundreds of women escape debt, save, and become confident investors. Nicole and Arise have been featured on GMA, Yahoo Finance, Time, ABC News, Go Banking Rates, and more. Website Facebook Instagram 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.

Last year, a NerdWallet survey found that 84% of Americans with a monthly budget spend beyond it. So what gives? If you have a budget, shouldn't that help you stay on track? Maybe it's less about creating a budget and more about understanding your cash flow or how money moves through your personal economy. To help us tackle our cash flow, we've invited Jason Vitug back to talk about his six-step system for better moving your money. You can find his system in his latest book, Make Your Money Smile. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on YouTube Music (formerly 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. Understanding cash flow vs. budget One of the most important things to understand is how money moves through your personal economy. We discuss how your monthly cash flow is more than your budget. Some of the items we tackle with our guest Jason include: How to find your cash flow number Figuring out your broad categories Paying attention to when you get paid and when your bills are due Part of syncing your budget with your cash flow is understanding your values We have some great past podcast episodes on money management, including how to make money management fun and manage your money the lazy way. Tips for better money management We also discuss ways to improve money management. One of the easiest ways to do this is to automate your finances. We have some suggestions for personal finance apps, like YNAB, that can help you automatically track your spending and see where your money is going. Automated finances also include scheduling your bills and using autopay (although not all bills should be on autopay). Other tips we talk about include making sure you save some money for fun things. Cutting everything you enjoy out of your budget can lead to binging later. We also have a few tips for saving money on everyday things, so you can spend more on things you love. Focusing on your cash flow and setting up the right systems will help you make better financial decisions and get your money back on track. Meet this week's guest, Jason Vitug Jason Vitug is an award-winning creator, author, speaker, entrepreneur, and producer. He is the founder of the personal finance website phroogal.com, creator of the Road to Financial Wellness, and champion of #theSmileLifestyle, a community devoted to experiential and purposeful living. Jason is the author of the bestselling and New York Times-reviewed book, You Only Live Once: The Roadmap to Financial Wellness and a Purposeful Life. His TEDx talk about breaking the money taboo is one of the most viewed talks on money. In his previous life, Jason was a nationally recognized credit union executive championing financial wellness. He currently works on wellness initiatives with Fortune 500 companies, credit unions, community banks, and fintech startups. Jason received his bachelor's at Rutgers University and MBA at Norwich University. He's an avid traveler, having visited all 50 states, explored 45 countries, and stepped foot on five continents. He is also a certified yoga teacher and breathwork specialist. Website Twitter Instagram 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.

The great wealth transfer of trillions of dollars in assets – approximately $72.6 trillion over the next 20 years – has begun. Among those assets are inherited properties, but it's tough to deal with the baggage that comes with an inherited house. Pam Krueger from Wealthramp is back to go over essential questions to ask when you inherit a house. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on YouTube Music (formerly 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. Getting ready to inherit a house It's not unusual to consider a home as part of an inheritance. However, if you're on the receiving end of that inheritance, you might not be sure what to do. Pam points out that any type of inheritance can be emotional and lead to difficult conversations. If you need help talking to your parents, we have a podcast episode about how to talk to your aging parents about money. When you decide to talk about inheriting a house with your parents and siblings, it might also be a good idea to bring in a financial planning professional or estate planner. Getting everyone together so you're all on the same page can reduce the stress involved later. How to deal with an inherited house As you review the inheritance, there are some important questions to ask, and plenty of pitfalls to avoid. Some of the most important things to address include: Is there a reverse mortgage on the home? Once your parents pass, a reverse mortgage can potentially put some limitations on your ability to keep the home in the family. Miranda shares a story of a friend who had no idea there was a reverse mortgage on an inherited house and is dealing with the fallout. Do you understand the capital gains? Pam talks about stepped-up basis for capital gains taxes on an inherited house. The good news is that you'll be protected from some of the tax consequences of inheriting. Should you buyout the home? Talk to your siblings about a buyout if you want to be able to do what you want with the inherited house. How do you split the proceeds? If you're sharing, you need to know how to split the proceeds—after the estate pays out for taxes and upkeep and other expenses. What's the family situation? Be realistic about your family situation and your parents as you discuss family matters and take into account everyone's preferences. Meet this week's guest, Pam Krueger Pam Krueger is a recognized investor advocate, award-winning personal finance journalist and author. She is the founder and CEO of Wealthramp, an advisor-matching platform that connects consumers with rigorously vetted and qualified fee-only financial advisors. It is the only advisor referral service that gives people full control over when and how they talk to their referred advisors. Her perspectives on personal finance regularly appear in Marketwatch, Forbes, PBS Next Avenue, and she is a frequent speaker on fiduciary financial advice. In addition, Pam is an active volunteer member of the Retirement Income Committee at the Defined Contribution Institutional Investment Association (DCIIA), a non-profit dedicated to enhancing the retirement security of America's workers. She has also served on the California Jump$tart Coalition, an organization dedicated to increasing financial literacy among children and teens, where she created one of their most successful curricula available for K-12 teachers called, Investing Pays Off For Kids. Each year, she spends part of her time in San Francisco, California and lives in Cape Cod, Massachusetts. Wealthramp Podcast: MoneyTrack Podcast: Friends Talk Money Twitter LinkedIn 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.

You've undoubtedly met people who have made a lot of money in the stock market and dreamed you could become one, too. If that's you, I've got great news. You can learn to be a successful stock investor, make some money and maybe some friends while you're at it. How? By joining an investment club. Today we welcome Ionnie McNeill, a member of the nonprofit National Association of Investors to give us the lowdown. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on YouTube Music (formerly 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. What is an investment club? Our guest, Ionnie, talks about joining an investment club and how it's helped her and others become better investors. Even though it's relatively easy to start investing no matter how much money you have, sometimes it helps to learn from others. Plus, investment clubs can also provide support. For an index investor like Miranda, joining a club might not make sense. However, if you want to learn how to evaluate stocks and understand the metrics to use when picking stocks for your portfolio, an investment club can help. Ionnie takes us through the mechanics of her club and how it works to help new investors learn. Additionally, being part of an investment club can motivate you, even as a seasoned investor, to implement principles that will benefit your portfolio over time. We also talk about other types of investment clubs beyond stocks, like those that focus on real estate investing and other assets, that you can join based on your interests. How to avoid investment club scams Unfortunately, whenever you have a good thing, someone almost always wants to scam off it. That's the case with investment clubs as well. There are plenty of financial scams masquerading as investment clubs. Ionnie helps us understand some of the scam red flags to watch out for: A stranger approaches you online, through social media or texting app. There's no real vetting process. A legitimate investment club usually has requirements to join and a process that allows you to see if you fit. There's a focus on day trading or getting rich quick. The asset selection process isn't transparent and you're told there's minimal participation. Ionnie suggests joining the American Association of Individual Investors, which can help you find model portfolios and principles, and also checking out BetterInvesting.org, which can help you find (or even start) an investment club. Meet this week's guest, Ionnie McNeill[caption id="attachment_492295" align="alignnone" width="837"] Courtesy of Ionnie McNeill / Money Talks News[/caption] Ionnie McNeill is a longtime BetterInvesting member and volunteer, originally joining as a youth member. Currently, she is serving as a BI National Board Member and the President of the BetterInvesting South Florida Chapter. In the summer of 2020, Ionnie and 26 other people started the South Florida Model Investment Club, which welcomes visitors to come and observe how an investment club is run on BetterInvesting Principles. "The Baby Billionaire's Guide to Investing" is her children's book explaining the importance of investing early and the power of compound interest. She is originally from Miami, FL and is a proud graduate of Howard University. 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 outdoorsBecome a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Americans owe more than $1.1 trillion in credit card debt—and a good portion of that is because too many of us are using plastic to pay for basic necessities like rent and food. But no matter where your debt comes from, one thing's for sure. It's stressful. According to one survey, more than half of U.S. adults with debt say they feel stressed because of it. So what can you do if you're feeling overwhelmed? Consumer attorney and debt relief expert Leslie Tayne is here to save the day. She specializes in law-based debt solutions and today she's going to help us with the steps to take when we're feeling overwhelmed by debt. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on YouTube Music (formerly 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. Are you overwhelmed by your finances? It's not uncommon to feel overwhelmed by your debt. In fact, in this episode, we mention how Miranda made a mistake that destroyed her credit, even though she knew better. Stacy also talks about getting a handle on debt in his book Life or Debt. We also look at some of the signs that your finances might be heading off track with signs such as: Living paycheck to paycheck Having more bad debt vs. good debt Difficulty creating and sticking to a budget that works The good news is that you don't have to remain overwhelmed by your finances. And it doesn't mean you have to move or sell your car or take other steps that might not actually be helpful. Considerations when getting out of debt Our guest, Leslie, points out that no one method works for everyone. Some of the tips Leslie offers include: Try to detach from emotion as much as possible Look at your current finances, including whether you have a variable income Find ways to develop new habits and model better behaviors for your children Take into account short-term and long-term financial goals We also discuss debt consolidation vs. debt settlement and when it makes sense to seek help from an attorney like Leslie. Plus, if you're looking for help getting your credit score back on track, you can listen to our podcast episode about credit repair. Meet this week's guest, Leslie Tayne Leslie H. Tayne, Esq. is an award-winning financial attorney and author of Life & Debt. She has over 20 years of experience in consumer and business financial debt solutions, which includes negotiations with large international banks and credit agencies for loans, lines of credit, credit cards and student loans. Leslie is the founder and managing director of Tayne Law Group, P.C., a law firm headquartered in New York dedicated to debt solutions. Leslie is frequently sought out for her expertise on financial, credit, and debt topics in the media. As a speaker, she regularly provides insight and strategies regarding all areas of debt and credit-related solutions to outlets like the Huffington Post, Yahoo Finance, US News and World Report and MSN. Website Blog Twitter/X Instagram LinkedIn 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 outdoorsBecome a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

In this episode, we're talking about the top four mistakes investors make. When it comes to stocks, we all know we're supposed to buy low and sell high, but for many of us, that's a lot easier said than done. Many investors tend to buy when the market's topping, then panic and sell at the bottom. That's one common mistake investors make, but it's far from the only one. Today, we're talking to a behavioral investing expert about how simple mistakes can lead to big losses, especially during times of economic uncertainty. He's going to help us avoid falling into behavioral traps and make us all better investors. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Our guest is Jason L. Smith, CEO and founder of C2P Enterprises and author of The Bucket Plan. Before you listen, remember: This isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn. You can listen to the podcast wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify We all make money mistakes It's impossible to get through life without making a mistake or two. Whether it's listening to the wrong financial guru or even if you make a big mistake (like Miranda) that ruined your credit, we've all been there. We talk specifically about investing mistakes, but we have plenty of resources to help you identify and avoid other money mistakes. 12 Home-Selling Mistakes You'll Regret 7 of the Worst Car-Buying Mistakes You Can Make 6 Mistakes To Avoid When You Turn 65 27 Big Financial Mistakes That Most People Make — and How to Fix Them 14 Mistakes That Are Running Up Your Water Bill 16 First-Time Homebuyer Mistakes To Avoid 10 Embarrassing Mistakes Almost Everyone Makes 5 Retirement Planning Mistakes You'll Regret Forever 9 Money Mistakes Setting Fire to Your Future Investing for the future Don't let the fear of making mistakes keep you from investing. In fact, one of the biggest mistakes is not getting started. Here are some articles that can help you become a better investor. 3 Myths That Successful Investors Wish You'd Stop Believing Saving Is Not Enough: Why You Need to Invest 5 Simple Tips to Make Money With Stocks Investing in Gold and Gold IRAs: 5 Things You Need to Know How to Choose Between Active and Passive Investing 7 Things You Should Know Before Investing in I Bonds 9 Tips for Sane and Successful Stock Investing Environmental, Social and Governance (ESG) Investing: Hope or Hype? How to Invest When Both Stocks and Bonds Are Falling 7 of the Best Ways to Invest That Don't Involve Stocks How to Find the Best Dividend Stocks, Step by Step How to Position Your Investment Portfolio for Tax Advantages Meet this week's guest, Jason L. Smith Jason L. Smith, CEP®, BPC is a nationally acclaimed speaker, financial planner, best-selling author, coach, and entrepreneur. He is the founder and CEO of C2P, as well as JL Smith, his own holistically run financial services practice. Jason is the author of the best-selling book, The Bucket Plan: Protecting and Growing Your Assets for a Worry-Free Retirement, which was recently named by U.S. News & World Report as one of the Top 10 retirement planning books and the only one based on a financial planning process. He also wrote Clarity 2 Prosperity: An Advisor's Guide to Charging Planning Fees for Holistic Planning, and co-authored The Hiring Advantage. Jason's Bucket Plan philosophy inspired a children's book designed to teach kids responsible spending, saving, and earning principles, Days Can Be Sunny for Bunnies and Money. Jason and his wife, Holly, have a daughter, Jordan, and two sets of twins: Berkeley and Wyatt, and Lincoln and Lennon. Jason enjoys reading, grilling, yoga, strength training and anything that gets him outdoors. Website X (Twitter) Facebook Instagram LinkedIn Threads YouTube 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 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.

Americans are worried about retiring, with 61% concerned they won't have enough money to support their lifestyle. On top of that, 20% of those over the age of 50 don't have ANY retirement savings. This is a ticking time bomb for many people. But there's help on the horizon. Now, savers can supercharge their retirement savings now that more provisions from SECURE 2.0 Act of 2022 are going into effect. Secure 2.0 is a law encouraging employees to contribute to 401(k) or 403(b) plans.  In today's podcast, Ed Slott, CPA and founder of IRAHelp.com, and author of The Retirement Savings Time Bomb Ticks Louder; helps us understand what savers need to know about SECURE 2.0 and how it can help them. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on YouTube Music (formerly 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. What you need to know about SECURE 2.0 This is a follow-up to an episode we did with Ed Slott last year, previewing SECURE 2.0 and what you need to know about the updates from the original SECURE Act passed in 2019. You might complain about politics and Congress, but it's important to stay on top of some of these changes. We talk about how some of the ways that SECURE 2.0 is starting to take effect, with our guest Ed pointing out that many of the provisions are spread out over the coming years. Some of the main changes you'll see in SECURE 2.0 include: New catch-up contributions for people aged 60-63 Automatic enrollment in 401(k) plans Roth versions of SEP and SIMPLE IRAs Updated QCDs The ability to roll 529 money into a Roth IRA What you need to know for a richer retirement Building a richer retirement is about planning and understanding how to use these new laws to get more bang for your retirement buck. We talk about how to plan for higher taxes in the future, whether an annuity makes sense and how to decide when to start relying on retirement income. We also discuss how some of the SECURE 2.0 provisions could lead to decisions that might not help your retirement. For example, the new ability to withdraw money for emergencies without paying the extra penalty could result in less money later. Ed points out that using retirement money in an emergency still results in taxes, and it could also lead to opportunity costs down the road. While life happens, having an emergency fund and only drawing on your retirement as a last resort. Meet this week's guest, Ed Slott Ed Slott is a nationally recognized IRA distribution expert, television personality, and best-selling author who has dedicated his life to educating Americans on the intricacies of IRAs.  He was named "The Best Source for IRA Advice" by The Wall Street Journal. Slott is the author of numerous highly acclaimed books, including his latest, The Retirement Savings Time Bomb Ticks Louder. He has also hosted several public television programs, including his latest, Ed Slott's Retirement Freedom!, and is a Professor of Practice at The American College of Financial Services. IRAhelp.com Get Ed's new book 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.

Editor's Note: This episode initially aired on March 15, 2023. It may contain some details that are out of date. According to the latest report from Vanguard, looking at the average amount of money saved for retirement, there's a good chance you might not be on track for comfort in your golden years. The average 45-year-old has less than $180,000 saved for retirement. But how do you change that? How do you even figure out when you have enough to retire? This week's guest is going to help you figure out your retirement number — and how you can reach it. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week's guest is Chris Mamula, one of the partners at Can I Retire Yet? He retired at 41 by figuring out his retirement number and working toward financial freedom. He's going to share his process and the steps you can take to retire earlier than you thought. Be aware that anything you hear on this podcast doesn't constitute financial advice. Always do your own research and consult your own experts before acting on anything you learn here. 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. Do you know how much you need to save for retirement? We talk about the importance of being mindful, looking ahead and thinking about what you want out of life as you plan for retirement. Our guest, Chris, talks about the importance of a retirement number, but it's less of a specific number and more of a plan. Meet this week's guest, Chris Mamula used principles of traditional retirement planning, combined with creative lifestyle design, to retire from his career as a physical therapist at age 41. He, his wife and his young daughter then made a cross-country move from Pennsylvania to Utah to pursue their passion for outdoor adventure. After poor experiences with the financial industry early in his professional life, Chris educated himself on investing and tax planning, including recently completing the Certified Financial Planner education curriculum and passing the CFP exam. Chris now draws on his experiences to write and speak about DIY wealth building, investing, financial planning, early retirement and lifestyle design at the blog Can I Retire Yet? He is also the primary author of the book "Choose FI: Your Blueprint to Financial Independence." In addition, Chris works one-on-one with those looking to improve their finances and use them to create a better lifestyle as an advice-only financial planner with Abundo Wealth. Website Twitter 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.

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

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

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

Gen X is often considered the overlooked generation, but we're looking right at YOU today. Gen X is people born between 1965 and 1980, so this is a group that should be starting to think about retirement. But will they be ready? As the Baby Boomer generation aged, they figured they'd need just under a million – $990,000 to retire. Gen X? Different story. According to the results of a January survey by Northwestern Mutual, the average amount that people across this age group said they would need to retire comfortably is closer to $1.5 million. Yet, the average Gen X household has only $40,000 in retirement savings, compared to the Baby Boomers' average of $70,000. This week, friend of the show Pam Krueger from Wealthramp joins us to talk about what you can do if you're worried about hitting your retirement mark. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on YouTube Music (formerly 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. Gex X is stressed about retirement Miranda and Aaron are Gen X, but they're not super-stressed about retirement. At least not yet. They're a little ahead of the curve in terms of average net worth by generation, but that has more to do with their career path than anything else. However, if you're Gen X and worried about retirement, you're not alone. Gen X is feeling the pinch of being the sandwich generation, and we discuss that reality with our guest, Pam. With all the family financial pressures, it's no surprise that Gen X is feeling concerned. The good news is that there's still time to catch up and make a plan for a better financial future, and we talk about it in this episode. Steps for securing your Gen X retirement Pam takes us through some of the most important steps you can take to make retirement a reality, even if you feel like you've fallen behind. Some of the things you can do right now include: Use a deep dive into your finances to figure out where you're at and create a plan for your money. Identify your magic number for retirement, including the calculations you need to determine it. Contribute to tax-advantaged retirement accounts (including the Roth IRA) and make catch-up contributions if eligible. Check out our podcast episode on turbocharging your retirement savings for more information on getting more bang for your future buck. Meet this week's guest, Pam Krueger Pam Krueger is a recognized investor advocate and award-winning personal finance journalist and author. She is the founder and CEO of Wealthramp, an advisor matching platform that connects consumers with rigorously vetted and qualified fee-only financial advisors. It is the only advisor referral service that gives people full control over when and how they talk to their referred advisors. Her perspectives on personal finance regularly appear in Marketwatch, Forbes, PBS Next Avenue, and she is a frequent speaker on fiduciary financial advice. In addition, Pam is an active volunteer member of the Retirement Income Committee at the Defined Contribution Institutional Investment Association (DCIIA), a non-profit dedicated to enhancing the retirement security of America's workers. She has also served on the California Jump$tart Coalition, an organization dedicated to increasing financial literacy among children and teens, where she created one of their most successful curricula available for K-12 teachers called, Investing Pays Off For Kids. Each year, she spends part of her time in San Francisco, California and lives in Cape Cod, Massachusetts. Wealthramp Podcast: MoneyTrack Podcast: Friends Talk Money Twitter LinkedIn 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.

If you're on a steady salary, creating a spending plan is straightforward, because you know both what's coming in and what's going out every month. But what if you don't have a stable salary? What if you're one of the millions of Americans who do side work or own a business or get paid commission? For you, a variable income is just part of the deal. This is also true for people who depend on tips, like bartenders, Uber drivers, servers -- you name it. So, how are you supposed to budget or create goals when you don't know how much money you're going to make tomorrow, much less next month or next year? Let's find out. In today's podcast, we're going to tackle the topic of creating a stable budget with an unstable income. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Our guest is Barbara Sloan, a former exotic dancer and the author of "Tipped," a book about financial empowerment for service industry workers. Be aware that nothing you hear on this podcast constitutes financial advice. Always do your own research and consult your own experts before acting on anything you learn here. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or 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. What kind of career do you have? We tackle some of the main things you need to be aware of when you work in a career that features a variable income. Barbara's book, Tipped, takes you through what you need to know as well. If you're looking for a new career or source of income, check out some of our articles on different jobs and side hustle ideas. The Ultimate Guide to Building Freelance Income Side Hustle Success: Financial Freedom From Lipstick and Bras 7 Tips for Getting a Great Part-Time Job in Retirement Calling All Night Owls: 14 Jobs for People Who Like to Stay Up Late 16 Early-Morning Jobs for People Who Wake Up With the Sun 10 Companies That Hire Part-Time Proofreaders and Editors 7 Things You Need to Know About How to Get a New Job in 2023 4 Tips for a Modern Online Job Search 25 Companies Switching to Permanent Remote Work-From-Home Jobs 9 Top-Paying Side Hustles Where You Could Earn More Than Full-Time Work Why You Can Benefit From a Career Coach Get more from your money Don't forget about money moves you can make, no matter what your income looks like. Here are some of our best resources for budgeting, saving, investing and spending your money. 6 Things Every Self-Employed Worker Should Know About Taxes Money Tight? 4 Legit Ways to Bring in Extra Cash Keep Your Money and Health on Track With These 9 Apps 32 Inflation Hacks to Save You Money in an Economic Downturn 10 Depression Era Hacks and Frugal Living Ideas to Save Money Now 10 Ways to Change Bad Spending Habits and Save Money The 5 Best Budgeting Apps to Get Your Finances Together 8 Surprising Ways to Become Richer Within the Hour Your Guide to Alternative Investments Where Stocks Are Going in 2023 and Where You Should Invest Now 7 Things You Should Know Before Investing in I Bonds The 60/40 Investment Mix Is Dead – or Is It? Meet this week's guest, Barbara Sloan Barbara Sloan is the author of the book Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals. Barbara was a homeless teen, who danced for dollars, and definitely did not graduate from college. She spent two decades working in every imaginable position in the service industry all over the country and learning about money on her own. In addition to owning and running a construction company in the heart of Manhattan, she is a personal finance expert and coach. She leverages her experience in the service industry to focus on issues that many in the mainstream financial media don't cover. Barbara lives in New York City with her wife of 10 years, an esteemed corporate finance exec, and together they are a couple of adorable money nerds who point out every dog they see. Website Facebook Instagram Book 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.

Welcome to Money Talks News, the podcast making you richer one day at a time. Close to 61% of Americans have a business idea, but it can be tough to actually take the next step. Plus, what happens if you make a major mistake and fail? In this episode, we're talking about how to avoid major blunders when starting a business with special guest Jaspreet Singh from The Minority Mindset. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on YouTube Music (formerly 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. Starting a business can have benefits Stacy, podcast producer Aaron Freeman and Miranda all run their own businesses, and this week's guest, Jaspreet, talks about his. Interestingly, money isn't the only reason people start a business although it's certainly a major one. Freedom and flexibility are also reasons to get started, as well as the desire to diversify income and leave the corporate grind. You might be surprised to learn that you can start a business for $1,000 or less. In fact, Jaspreet points out that one of the best things you can do with your business is to get started and aim to make your first $1,000 and figure out the rest later. Even if you think of your business as a side hustle, it can still make sense to consider its benefits and focus on those as you create your plan for the future. Avoid these business mistakes We also talk about the biggest business mistakes to avoid as you get started. Jaspreet points out that mistakes can be expensive, so it's better to learn from others so you know how to avoid the worst business blunders. Some of the business missteps we cover in this episode include: Not planning for taxes, including Miranda's mistake of forgetting that state governments levy taxes on top of your federal taxes. Failing to understand where to invest time and money in your business. Jaspreet talks about how so many people get hung up their logo and business name and never even get started. He shares some of the most important things to focus on. Forgetting to think about who you plan to serve and what you have to offer. Not putting together a marketing plan. You can have the best business idea in the world, but if you don't have a plan to reach those who need it, you won't be successful. Meet this week's guest, Jaspreet Singh Jaspreet is a licensed attorney and the Chief Executive Money Nerd at the Minority Mindset Companies and the host of the Minority Mindset YouTube Channel. Although he didn't receive any formal financial education. He's on a mission to make financial education fun and accessible. During the launch of his sock company, he was scammed by a marketing company which cost him thousands of dollars. This scam pushed him to start an educational social media page called Minority Mindset. The Minority Mindset implies thinking differently than the majority of people. It's not a racial minority. He started the Minority Mindset YouTube Channel as a hobby to teach others how not to make the same mistakes he made. Now, the Minority Mindset brand has grown into a number of companies, including Briefs Media and Market Insiders. Website Twitter YouTube Facebook Instagram TikTok 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.

In this episode of the Money Talks News podcast, we're talking about how organizing your money can make you richer and how to get there with the least possible pain. This will probably come as no surprise, but according to a recent survey, only 23% of Americans have a formal financial plan. And you can probably guess why: 76% of those without a plan say they feel overwhelmed by the thought of creating one, and 56% say life is too uncertain for a plan to have any value. That's a bummer because having a plan for your money can lead directly to having more money. And as we like to say around here, more money is better. That's why this week's guest is going to help us get our money ducks in a row. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Our special guest today is Alissa Maizes, the founder of Amplify My Wealth, a registered investment adviser. Remember, this isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Better organization in finances and in life Getting organized can help you in lots of ways, including your finances. From using containers to organize your stuff to using an app to organize your money, we've got tons of tips and resources for you. How to Organize Your Finances, Step by Step 10 Ways to Get Your Financial Life in Order Frugal Living Guide: How to Have Less Stuff and Save Money 17 Products to Keep Your Car Clean and Organized Get Organized Using Containers You Already Own 10 Ways to Reuse Takeout Containers How to Organize a Home Office on the Cheap 10 Set-Up Essentials for Working From Home Organize Your Home With These 10 Thrift Store Finds 12 Smart Tricks to Organize Every Room of Your Home 17 Things You're Keeping for No Reason — and Should Toss 14 Things We Buy and Then Almost Never Use How to budget for more organized finances A budget, or spending plan, can be a great way to stay on top of your finances. We talk about that in this podcast episode, but there are plenty of other resources available on Money Talks News. Here are some of our articles that can help you better budget and keep track of what's going on with your money. How to Create a Budget You Love: 5 Things You Need to Know How to Use the 50/20/30 Rule as Your Budgeting Plan 10 Top Budgeting Lessons to Improve Your Money Management How to Create a Budget You Love: 5 Things You Need to Know The 5 Best Budgeting Apps to Get Your Finances Together How to Create a Realistic Retirement Budget 4 Tips for Setting (and Sticking to) a Vacation Budget 4 Money Conversations to Have With Your Partner When You Budget 10 Tips to Travel Abroad on a Budget (for Weeks at a Time) 9 of the Best Ways to Save Money on a Tight Budget 25 Tax Planning Tips for Now and the Future Start Planning Your 2023 Vacations With These Cards Financial Advisers Say These Are the Top 10 Retirement Planning Mistakes Meet this week's guest, Alissa Maizes Alissa is a licensed attorney and registered investment adviser providing women and young adults with financial advice and a plan that embraces the life they want. Alissa launched Amplify My Wealth to enable you to benefit from receiving financial advice, a financial plan and a partner that guides you on your journey to living the life you want. Her approach eliminates the traditional "waiting game" for clients who otherwise would be unable to avail themselves of having a fiduciary financial adviser that puts their needs first. Website Instagram LinkedIn 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.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2780: Miranda Marquit explains why she prefers the term "spending plan" over "budget" due to the negative connotations associated with restriction and limitation. By using a spending plan, she emphasizes proactive financial planning that prioritizes funding essentials while allowing flexibility and control in other spending areas, fostering a more positive and purposeful approach to managing money. Read along with the original article(s) here: https://ptmoney.com/spending-plan-budget/ Quotes to ponder: "Rather than thinking, 'I can't only do this much this month,' as a budget encourages you to think, a spending plan allows you to say, 'I'm going to do this with my money.'" "I prefer to use the phrase 'spending plan.' It seems to convey a better sense of control and purpose." "With the budget mindset, money is always scarce. A spending plan, though, indicates that you have some sort of direction and purpose for (at least some of) your spending." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2780: Miranda Marquit explains why she prefers the term "spending plan" over "budget" due to the negative connotations associated with restriction and limitation. By using a spending plan, she emphasizes proactive financial planning that prioritizes funding essentials while allowing flexibility and control in other spending areas, fostering a more positive and purposeful approach to managing money. Read along with the original article(s) here: https://ptmoney.com/spending-plan-budget/ Quotes to ponder: "Rather than thinking, 'I can't only do this much this month,' as a budget encourages you to think, a spending plan allows you to say, 'I'm going to do this with my money.'" "I prefer to use the phrase 'spending plan.' It seems to convey a better sense of control and purpose." "With the budget mindset, money is always scarce. A spending plan, though, indicates that you have some sort of direction and purpose for (at least some of) your spending." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2780: Miranda Marquit explains why she prefers the term "spending plan" over "budget" due to the negative connotations associated with restriction and limitation. By using a spending plan, she emphasizes proactive financial planning that prioritizes funding essentials while allowing flexibility and control in other spending areas, fostering a more positive and purposeful approach to managing money. Read along with the original article(s) here: https://ptmoney.com/spending-plan-budget/ Quotes to ponder: "Rather than thinking, 'I can't only do this much this month,' as a budget encourages you to think, a spending plan allows you to say, 'I'm going to do this with my money.'" "I prefer to use the phrase 'spending plan.' It seems to convey a better sense of control and purpose." "With the budget mindset, money is always scarce. A spending plan, though, indicates that you have some sort of direction and purpose for (at least some of) your spending." Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people expect to retire one day, and while they may have images of their future selves perfecting their golf game and hitting Wimbledon-worthy serves, let's face it: There's only so much golf and tennis you can play before becoming bored. In fact, if you don't find some purpose beyond work after you retire, you could literally be at risk of dying sooner! Today, we're talking to Nicholas Yeomans, CFP and president of Yeomans Consulting Group. We're going to discuss a new type of retirement. One where you find passion and purpose, stay engaged, and best of all, stay ALIVE! You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on YouTube Music (formerly 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. What will your retirement look like? So often, we recognize that we need to save for retirement, but we don't often stop to think about what it will look like. What will you do during retirement? How will your lifestyle change? Our guest, Nic, talks about The Millionaire Next Door, and the fact that you can develop a lifestyle that leads to a fulfilling retirement. Don't forget to go back and listen to our episode with Thomas J. Stanley's daughter about the latest millionaire lifestyle trends you can use to create a life you can enjoy. We also go through some of the different things to consider as you plan for retirement—including your lifestyle preferences. Some of the items we address include: Cultivating and maintaining meaningful friend and family relationships How to plan for better health and cover health care costs in retirement Where the retirement income to support your lifestyle will come from What you need to know about maintaining your mental health How to have intentional conversations about money and what you want to do in retirement with your partner The whole point of retirement is to enjoy your later years. But too many people don't actually think about what retirement looks like. Our guest takes us through the most important things to consider, so you know how to take the next steps. Planning for retirement income Once you've figured out what matters most to you in retirement and what you want it to look like, you need the money to make it happen. With our guest, we discuss how to map out your income, including a debate over the 4% rule, mention of annuities, and how to invest for a bigger nest egg. Don't forget that you can learn how to spend less, save more and grow your income to work toward your goals. The reality is that understanding what you want from your retirement can help you visualize the results and keep you on track. That's why it's so important to understand your values and how you want your retirement to look so that you remain motivated. Meet this week's guest, Nicholas Yeomans Nicholas "Nic" Yeomans, CFP, is President of Yeomans Consulting Group, Inc., a registered investment advisor (RIA) based in Marietta, Georgia serving pre-retirees, retirees, family businesses, and professional real estate investors. As a Certified Financial Planner (CFP®) and fiduciary, Yeomans specializes in tax planning, estate planning, and retirement income strategies, providing clients with education and understanding so they can make important financial decisions for a successful retirement. With more than 20 years in the financial industry, Yeomans considers himself a "retirement coach" and is passionate about providing guidance to those seeking lasting financial security by finding opportunities to build financial legacies that benefit them for years to come. Website Facebook Instagram LinkedIn 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.

Episode 165 webpage and links. What if you could live in your home while someone else pays the mortgage? That's the idea behind house hacking. House hacking refers to living in a home or multi-unit while renting out part of it. Dedicated house hackers say it's a great way to lay a foundation for a real estate empire—one that can catapult you to financial freedom. But will it work for you? Let's find out. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week's guest is Robert Leonard, the author of The Everything Guide to House Hacking. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations because they're not. Before investing in anything or making any money moves, do your research and make your own decisions. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or 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. What is house hacking? In this episode, we talk about house hacking and the different forms it can take. From buying a home and living in it while you fix it up to purchasing a multi-unit property and living in it while your tenants pay the mortgage, there are different ways to get more from your primary residence. Other real estate-related links: Learn about the 10 Things Preventing People From Buying a Home Today Listen to our podcast episode on 5 Ways to Cash in on Real Estate Ready to retire? Read our article on 8 Ways to Invest in Real Estate for Retirement You don't need a lot of money to start investing in real estate: How to Get In on Real Estate Investing Even If You Don't Have Much Money Wondering whether to focus on stocks or real estate? We break it down with this podcast episode: Which Is the Better Investment: Stocks or Real Estate? Looking for more ideas to make money? We've got some, including real estate, in 6 Clever Ways to Build Wealth Outside the Stock Market What can you expect from real estate in the future? Is now the right time to invest in real estate? Or should you wait? Before making that decision, check out our resources on what you need to know. Is the Housing Bubble About to Burst? The Top 10 Emerging Real Estate Markets Right Now 14 Markets Where Home Prices Could Plummet by 30% Is It Time to Buy Real Estate? 10 Housing Markets That Are Most Likely to Keep Their Value And, if you're not sure about real estate, you can also turn to the stock market. It's pretty shaky right now, but that doesn't mean you can't make the most of it. Check out our podcast episode on 5 Things You Need to Know About This Horrible Stock Market. Meet this week's guest, Robert Leonard Robert Leonard is the vice president of growth at The Investor's Podcast Network, podcast host of "Real Estate 101" and "Millennial Investing," founder and managing partner of Piranha Capital, and founder of EverythingHouseHacking.com. He earned an MBA in accounting and finance and a BSBA in finance and economics, and is a certified management accountant (CMA). Robert's book Robert's Instagram Publisher Instagram Robert's podcast network 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.

Editor's Note: Here's one of the best podcasts from the archive that you may have missed. This episode initially aired on March 06, 2021. When my wife and I joined households 11 years ago, we combined our kitchen stuff, our furniture, our linens and just about everything else. The one thing we didn't combine? Our money. When it comes to money, she does her thing and I do mine. About the only time our money meets is on our joint tax return. This is the system that works for us, although it likely wouldn't work for everyone. That's the thing with money and relationships: There's no right answer. Anyone who tells you there's only one correct way to mix money and marriage -- and there are plenty of "experts" who do -- is just plain wrong. The one thing that's universally true is that money secrets are bad. My wife and I don't combine our money, but we do discuss it. Often. Whether you've been together for 30 months or 30 years, avoiding talking money puts your relationship at risk. This is especially true if finances are tight, or if you combine your finances and have different money "personalities" -- such as a spender or borrower in a relationship with a saver or investor. To nobody's surprise, money is routinely cited in surveys as a major source of stress. So when, and exactly how, can we discuss money with our significant others without causing friction? How do we get on the same page and stay there? Or are differences about money just something couples have to learn to live with? In this week's "Money!" podcast, we're going to find answers to these questions, as well as many more. Our guest is best-selling author and award-winning speaker Tarra Jackson, also known as Madam Money. As usual, my co-host will be financial journalist Miranda Marquit, and we're joined by our producer and sound effects guy, Aaron Freeman. Sit back, relax and listen to this week's "Money!" podcast: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Not familiar with podcasts? A podcast is basically a radio show you can listen to anytime, either by downloading it to your smartphone or other device, or by listening online. They're totally free. They can be any length (ours are typically about a half-hour), feature any number of people and cover any topic you can possibly think of. You can listen at home, in the car, while jogging or, if you're like me, when riding your bike. 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 a podcast yet, give it a try, then subscribe to ours. You'll be glad you did! Show Notes Want more information? Check out these resources: MadamMoney.com (Tarra's website) "10 Things You Should Know about Joining Finances in Marriage" "8 Key Steps to Planning for Retirement as a Couple" "6 Ways to Get Your Spouse to Save More Money" "Living Together but Not Married? 5 Important Things to Know" Business Insider: "8 ways to talk to your partner about money" Money Under 30: "How To Have 'The Talk': 6 Tips For Couples Discussing Finances" Mint Life: "How to Talk Money in a Relationship: Dos and Don'ts" NBC News: "The 3 money conversations you and your partner need to have" Subscribe to the Money Talks News newsletter Take our The Only Retirement Guide You'll Ever Need course Take our Money Made Simple course About me I founded Money Talks News in 1991. I'm a CPA, and I have also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

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

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

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

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.

Editor's Note: This episode initially aired on June 22, 2023. It may contain some details that are out of date. Are you familiar with Roth IRAs? If you're not, you should be, because Roth IRAs are a great way to get tax-free income after you retire. There is a potential fly in the ointment, however. Namely, not everyone qualifies for a Roth. If you make too much money, Uncle Sam says you can't use 'em. But there's a way around that rule: Fund a regular retirement account, then roll it over to a Roth. It's called a backdoor Roth. Sounds sneaky, right? Should you do it? And if so, how do you go about it? Let's find out. In this podcast episode, we're talking about how to convert an IRA to a Roth IRA without getting eaten alive by income taxes. In addition, we'll be talking about nearly every facet of Roth accounts and why they should be an integral part of every retirement strategy. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week's guest is Ed Slott, the founder of IRAhelp.com. He's ready to tell us why a Roth conversion is his No. 1 tax tip for this year. Before we start, remember this isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Using an IRA for your retirement We talk about individual retirement accounts (IRAs) in this episode. Here are some great resources on how to make the most of your IRA — whether you get a traditional or a Roth. Investing in Gold and Gold IRAs: 5 Things You Need to Know The 7 Most Popular IRA Investments 15 Mistakes People Make With Roth IRAs Got an IRA? Here's How to Use the Bear Market to Your Advantage How a Roth IRA Conversion Turns a Stock Market Plunge Into a Plus 8 Ways to Maximize Your Traditional or Roth IRA How to Buy Real Estate With Your IRA If you decide to do a Roth conversion, like our guest Ed suggests, make sure you know the rules. We recommend checking out Investopedia's article "Roth IRA Conversion Rules." Learn more about retirement accounts An IRA isn't your only choice for retirement. There are different accounts and strategies you can use to make the most of your golden years. Here are some great resources for getting more out of retirement. My Retirement Savings Are Shrinking. Should I Worry? How to Retire at Any Age Using Your Retirement Number 12 ‘Course Corrections' That Will Improve Your Retirement The Top 11 Sources of Retirement Income, According to Retirees 5 Dumb Retirement Mistakes Everyone Makes How to Boost Your Social Security by 30% + 7 Tips for a Richer Retirement How to Save for Retirement, Decade by Decade 11 Huge Retirement Costs That Are Often Overlooked 9 Topics to Tackle Now to Survive Retirement With Your Spouse 8 Countries That Offer Retirement Visas to Americans How 401(k) Plans Could Soon Be More Like Pensions Have a 401(k)? Here's a Secret Retirement Plan You Probably Don't Know About 7 Key Habits of 401(k) and IRA Millionaires 4 Ways to Save for Retirement Without a 401(k) Why a Solo 401(k) Offers Big Savings Opportunities for the Self-Employed Meet this week's guest, Ed Slott[caption id="attachment_426514" align="alignnone" width="1920"] Courtesy of Ed Slott / Money Talks News[/caption] Ed Slott is a nationally recognized IRA distribution expert, television personality, and best-selling author who has dedicated his life to educating Americans on the intricacies of IRAs.  He was named "The Best Source for IRA Advice" by The Wall Street Journal. Slott is the author of numerous highly acclaimed books, including his latest, "The New Retirement Savings Time Bomb" (Penguin Random House, 2021) and "Ed Slott's Retirement Decisions Guide: 2022 Edition" (IRAHelp, 2022). He has also hosted several public television programs, including his latest,  "Ed Slott's Retirement Freedom," and is a professor of practice at the American College of Financial Services. IRAhelp.com 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.

[This blog will always be free to read, but it's also how I pay my bills. If you have suggestions or feedback on how I can earn your paid subscription, shoot me an email: cmclymer@gmail.com. And yes, I am available for Pride Month speaking engagements. And if all this is too big a commitment, I'm always thankful for a simple cup of coffee.]This past weekend, I was invited to deliver the keynote speech at the Bonneville County Democratic Party's annual Truman Dinner in Idaho Falls, Idaho. It was my first time visiting the Gem State, and I was captivated by both the gorgeous scenery and the warmth of Idahoans. When I was invited to the Truman Dinner a few months ago by Chairwoman Miranda Marquit, I accepted immediately. And I'll tell you why.Idaho is a deeply conservative state. It has not gone for a Democratic presidential candidate since 1964; that year, Lyndon B. Johnson, despite trouncing Barry Goldwater—winning 44 states (and D.C.), 486 electoral votes, 61 percent of the popular vote—won Idaho by less than two percent.Idaho has not elected a Democrat to the U.S. Senate since 1974, a Democratic governor since 1990, and with the exception of a single term served by Mr. Walt Minnick in the 111th Congress (2009-2011), it has not otherwise elected a Democrat to the U.S. House since 1994.Idaho is among those states that actually increased their support for Trump from 2016 to 2020, despite his loss to President Biden.Abortion was formally banned in the state two months after the Supreme Court's Dobbs ruling (except in cases of rape, incest, and the life of the mother during the first trimester), and LGBTQ rights in the state are abysmal, although public polling of Idahoans illustrates a more complicated picture (about 70 percent of Idahoans support LGBTQ non-discrimination laws).So, yes, it is accurate to say that Idaho is deeply conservative.But I spent the entire weekend with Idaho Democrats, and I found myself in awe of their dedication, kindness, and unyielding pride in Democratic values. They did not feel sorry for themselves. They did not make excuses. They had no time for pity.I was in the company of so many wonderful people who get up every day and fight the good fight for their families, their neighbors, and their state. I wish that so many Democrats living in solidly progressive areas of this country had a tenth of the courage and commitment demonstrated by the Democrats I met in Idaho.I am so tired of some Democrats living in solid blue parts of the country looking down their noses at folks putting in the work in conservative swaths of our nation, questioning their sanity in living where they do, as though uprooting one's family from the only home they've ever known is a feasible option for most people.The unflappable worth ethic of these Idaho Democrats reminded me of how proud I am to be a progressive from Texas and how much I bristle when someone who lives in a solidly blue state condescends to Democrats living in conservative areas.Anyway, the full remarks of my speech are below, and if you would be so kind, I highly encourage donating to the Bonneville County Democratic Party. Please help them build the future of Democratic politics in the state.FULL REMARKSGood evening!My name is Charlotte Clymer, and I am proud to be a member of the Democratic Party.It's an honor to join y'all tonight. When your chair Miranda Marquit extended an invitation to me a few months ago, I immediately agreed. You see, I've never been to Idaho, and every person I've ever met from Idaho has said to me: “Oh, don't come here. You'd hate it. Nothing to see at all. No gorgeous scenery. No nature. It's so boring. And tell your friends not to come here, either!”Idaho is a wonderfully kept secret. So, I knew I had to come for that reason, alone.But I also accepted the Chairwoman's invitation because I know what it's like to be a proud Democrat in an area of the country where Democrats aren't so plentiful. Because let's face it: I know that there are a lot of folks in this county, maybe even some folks in this room, who look at me and only see a trans woman, a progressive trans woman, who has flown in from Washington, D.C.What could I possibly know about what it's like to live in a conservative area? What could I possibly know about having a lot of conservative friends and neighbors and constantly being in spaces with people who are not gonna see the world as I do?This is what I call box thinking. It's become one of the biggest problems for our country: this relentless need to place everyone we know in a box and call it a day. There are a lot of folks who live their lives believing there are only two boxes and you need to belong to only one of those two boxes and it had better be their box.And if you chose to place me in a box before getting to know me, you'd miss out on a lot.You'd never find out that I served in the U.S. Army for six years and I am very proud of my service. You'd never find out that my Christian faith is one of the most important things to me and that I go to church every Sunday. You'd never find out that I'm very proud to be from the South, that I come from two lines of family raised in the South. You'd never find out that I played high school football, that I grew up around firearms, that I was raised on country music, and I am proud of all these aspects of who I am.I know what it's like to be from a part of the country that people living in more progressive areas look at and say: “Oh gosh, I'm so sorry,” as though I've just told them my dog died.Actually, that's not entirely true. If I told them my dog had died, they would probably have asked about South Dakota Governor Kristi Noem's whereabouts.But it's true. We live in a nation of people who insist that there are only two boxes. And I'm not just talking about people on the right. I'm talking about people on the far-left, too. So much of the far-left can't stand me because I defy their box theory. They believe that I, as a trans woman, am not supposed to be proud of our military, that I am not supposed to go to church, that I am not supposed to disagree with them.That's the thing they still don't realize. The brutal truth is that the far-right and far-left have one thing in common: they both live in fear of talking with a reasonable adult who disagrees with them.Well, folks, here's my message to them: this country is a whole lot damn bigger than two boxes.I have not come this far in life to allow myself to be defined by strangers who are scared of reasonable disagreement. Who I am is between me and God, and no one else gets a say in that.And this goes for geography, too. I'm from the great state of Texas, and if all you knew about Texas were our state's political leadership and their incessant irresponsibility and selfishness and cruelty—if that's all you knew about Texas—you probably wouldn't want to visit.But you see, I'm very proud to be from Texas, probably for the same reasons that all of you here are proud to be from Idaho. And you should be. Because this is home. This is where you first learned about community. It's where you first understood what it means to live alongside others and take care of your neighbors and work hard to ensure that no one gets left behind.It hasn't surprised me one bit to find out that folks in Idaho are kind, hardworking, empathetic, and resilient. And I think that goes double for Idaho Democrats. It takes guts to walk up to door after door and knock on it, knowing that the person behind that door is more than likely going to be resistant to your message, knowing that you're going to have to do the thankless work of communicating a vision of solidarity and progress with your neighbor, who may have been fed a lot of disinformation and hateful propaganda.I hope you'll hear what I'm saying: it takes courage to be an outspoken Democrat in a place where few exist, but more than that, in states like Idaho and Texas, it takes courage to swallow your pride and meet people where they are and get them to see how the Democratic Party has their best interests at mind. It takes courage to do the hard and necessary work of constantly extending a hand to folks who don't agree with you on most things.But it is necessary. It is absolutely necessary. You are doing the work that needs to be done, and thank god for that.I think it's quite appropriate that we're gathered this evening at a dinner named for a president who understood, better than most presidential candidates of the 20th century, what it means to be the underdog.Harry Truman was not supposed to win the 1948 presidential election. The winner that year was supposed to be New York Governor Thomas E. Dewey, who was very popular with his base and very charismatic. Of the 500 newspapers in the country at that time, nearly 80 percent endorsed Dewey. One famous pundit said two months before Election Day that the race was basically over.Most of that campaign can be summed up this way: the press thought Dewey was going to win, the pollsters and pundits thought Dewey was going to win, and Dewey thought Dewey was going to win. In fact, even President Truman's closest aides and his wife Bess privately thought Dewey was likely to win. So, it was clear that Dewey was going to win. It seems the only person who thought Truman could win was Truman.You see, President Truman was an incredibly capable commander-in-chief. He had successfully led the United States out of World War II and began the process of rebuilding Europe. He had common sense and stood up for working class families. He was a great chief executive.But he wasn't flashy. Many folks didn't find him very exciting. Around this time that year, in mid-May, his approval rating was 36 percent. He was challenged by people in his own party. He was doubted by the press. There were some folks who openly wondered if it wouldn't be a bad idea for Mr. Truman to drop out of the race and give another Democrat a shot.There were third party candidates like vicious racist Strom Thurmond, who threatened to take votes from President Truman and weaken him against Dewey.And meanwhile, Thomas Dewey was saying nothing much at all. He wasn't articulating any new or interesting policy ideas. He wasn't laying out a vision for all Americans. He was pandering to his base and playing it safe otherwise.So, an incumbent who's a great leader but isn't considered very exciting, a challenger who isn't saying anything new but is considered by many to be charismatic, a bunch of third party clowns mucking up the process, and a political press that seems to be asleep at the wheel.Does any of this sound familiar?President Truman went on aggressive whistle stop tours of the country, giving speeches at train stations all over, hammering the GOP and Dewey, refusing to back down, refusing to give up, and absolutely certain he was gonna win.I want to read you a quote from a speech President Truman delivered by radio in St. Paul, Minnesota about three weeks before the election:“Republicans approve of the American farmer, but they are willing to help him go broke. They stand four-square for the American home--but not for housing. They are strong for labor--but they are stronger for restricting labor's rights. They favor minimum wage--the smaller the minimum wage the better. They endorse educational opportunity for all--but they won't spend money for teachers or for schools. They think modern medical care and hospitals are fine--for people who can afford them. ...They think the American standard of living is a fine thing--so long as it doesn't spread to all the people. And they admire the Government of the United States so much that they would like to buy it.”You could take that quote and put it in a speech by President Biden now, and you wouldn't miss a beat. Mr. Truman didn't play it safe. He didn't hesitate to fight for his values. He didn't try to pander to zealots and clowns. He was a warrior for democracy and working families.Three weeks after that speech, President Truman won. The pundits were apoplectic. All night, radio announcers told the public that Truman's lead in the national vote was temporary. There's no way he could win. Political reporters said he couldn't win, so how could this happen?The day after the election, President Truman held up the front page of the Chicago Tribune that had been printed and distributed erroneously, with that iconic headline in big bold letters:DEWEY DEFEATS TRUMANAnd he didn't just win. He got two million more votes than Dewey and trounced him in the Electoral College.I want to be very clear about something tonight. If you walk away with anything from this event, I want you to walk away with this: Joe Biden is going to be reelected President of the United States. We are gonna win in November. And it's not just because our party has ideas that actually help working class families. It's not just because President Biden's policies have saved our economy. It's not just because Republicans don't have any new ideas or new solutions.No, here's why President Biden is going to win: because he trusts the American people to understand what's at stake.We don't want to live in a country where any elected official believes he's above the law and should be treated like a king. We don't want to live in a country where the state gets to decide what women do with their bodies. We don't want to live in a country where politicians get to tell parents what health care they're allowed to provide their children. We don't want to live in a country where the richest people still get unfair tax breaks while working families struggle to provide for their children. We don't want to live in a country where those in power turn their backs on the labor movement and working class families.We don't want to live in a country in which life-saving and comprehensive health care is only accessible to those earning six figures or more.That's it. That's all that matters. And the leadership of the Republican Party lives every day in fear that more and more working families are gonna realize that.The polls don't matter. Listen, y'all, I've been following politics all my life and working in politics for most of my career, and I can tell you beyond the shadow of a doubt that polls don't worry me.What did the pollsters say in 2018? That Democrats were right to be anxious. What happened? Democrats took back control of Congress in an enormously embarrassing defeat for Trump.What did the pollsters say in 2020? That Democrats were headed for a catastrophic defeat at the polls. What happened? President Biden was elected, and Democrats took back control of Congress.What did the pollsters say in 2022? Do y'all remember? They said a “red wave” was coming and Democrats were about to be wiped out in Congress. What happened? President Biden had the best midterms performance of any first term Democratic president in six decades. The red wave turned out to be a red trickle.Folks, I say again: there is no doubt in my mind that we are going to win in November. President Biden and Vice President Harris will be reelected, we will take back the House, and you know what? I'm feeling cautiously optimistic that we'll hold the Senate, too.And when this all happens, the pundits and pollsters will make excuses like they always do. And the Republican Party will make excuses like they always do. And the press will make excuses like they always do.Let it be known right now: the Democratic Party ain't got time for excuses.There are working families to support, homeless veterans to house, minimum wage workers to be helped, children to be fed and educated, and a country, a proud country, to believe in.That starts right here in places like Bonneville County. It starts in places like my home state of Texas. It starts in the places in this country most in need of building bridges by folks like yourselves who are doing that thankless work because it needs to be done.I am grateful for you, and I want you to know there are Democrats all across this country who are grateful for you.Thank you, ladies and gentlemen, for your hospitality. Have a wonderful evening.Charlotte's Web Thoughts is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Get full access to Charlotte's Web Thoughts at charlotteclymer.substack.com/subscribe

No doubt you've imagined being financially independent: No job necessary, no money worries, no debt and plenty of savings. Of course, "financial freedom" means means different things to different people, but one thing's for sure: Not many of us are there yet. One recent survey found that only about 11% of Americans are living their definition of financial independence. But no matter what financial freedom means to you, there are some steps you can take to get there faster. And that's what we're going to talk about today's podcast. We're talking to Gigi Gonzalez, the author of the best-selling book Cultura & Cash. 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 listen with the player at the top of this article, or download the episode wherever you get your podcasts: Listen on Apple PodcastsListen on Google PodcastsListen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money. "Traditional" Personal Finance Advice Doesn't Work for EveryoneOur guest Gigi talks about how some of the personal finance advice that we typically receive doesn't always work for everyone. (Check out this article from Kiplinger on how budgeting advice is often flawed.)Some of the reasons that standard personal finance advice doesn't work for first-generation Americans have to do with some of the cultural norms surrounding money.Gigi gives the example of lending money to family (and friends). We're often told to "just say no" or help in other ways, but that might not be the norm, depending on your culture.We also assume that debt shouldn't be used to improve financial fortunes, but many people need some type of debt—especially student loan debt—to move into the next socioeconomic bracket.Yes, paying off high-interest debt should probably be a priority, but how you tackle it might look different.We go through ways that you can shift your mindset around money and look for creative ways to interact with money once you understand your money story and how it impacts you.Steps for Using Money Advice That Works for YouDon't forget that you can take some of the money advice you see and tweak it for your circumstances.Set money goals that work for you, by asking important financial questions that are relevant to your situation.Get away from the "supposed tos" and the prescriptive checklists. Not every frugal habit is worth it. Carefully consider which habits you want to change, and think about why you want to change those spending and money habits.Rules of thumb can be useful, but don't assume they're the answer to everything.Meet this week's guest, Gigi Gonzalez Giovanna "Gigi" Gonzalez is a TikTok influencer, financial educator, and author of the bestselling book Cultura and Cash. During The Great Resignation, she quit her 10-year corporate career to pursue her true passion: teaching financial literacy to young adults. Gigi teaches personal finance and career navigation for First Gen at various organizations and on her TikTok account. She was named 40 under 40 by the Hispanic Alliance for Career Enhancement, "Latinx to Watch" by Hispanic Executive Magazine and Top 25 Creator by Fast Company. WebsiteInstagramTikTok 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.

Editor's Note: This episode initially aired on July 20, 2022. It may contain some details that are out of date. According to one recent survey, only 4% of Americans have $1 million or more in retirement savings, which means 96% of us don't. Of course, depending on your situation, a million bucks may be overkill: Many people could fund their retirement years for a lot less. Still, it's a nice, round number, and one worth shooting for. Obviously, however, that's a lot of money. Is it even possible to get there? In a word, yes. And that's what we're going to talk about today: building a million-dollar nest egg, and just as important, how to figure out how much you're actually going to need. As usual, co-hosts Stacy Johnson and Miranda Marquit are joined by producer Aaron Freeman. This week's special guest is Roger Whitney, the Retirement Answer Man. 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/US5Vk5nThuI Is $1 million enough to retire on? It sounds like a lot of money, but is $1 million enough to retire on? What you really need to do is figure out how big your nest egg should be and go from there. Whether $1 million is enough depends on your own situation. Check out how long $1 million will last during retirement. Read our article on the retirement numbers you should know as you plan your golden years. Where does your retirement income come from, anyway? Check out our overview of where most retirees get their money. Find out where you fit in when it comes to your retirement savings, based on your age. Our guest has a great podcast episode on investment returns and inflation during retirement. Tips for building a $1 million nest egg Ready to build your wealth? We talk about ways you can get your nest egg to that elusive $1 million mark. We have an article on how to retire with at least $1 million in the bank. Before you assume the 4% rule is still good, check out our article on rethinking this popular retirement planning strategy. Don't let taxes drain your retirement. Read our retirement tax tips to help you keep more of your money. We've got some strategies that can boost your retirement savings by $1.7 million. Before you quit your job, read our article about how to protect your nest egg after you call it quits. Make the most of your retirement with our 65 tips for a healthy, wealthy and happy retirement. Meet this week's guest, Roger Whitney Roger has been a financial advisor for more than 25 years and is the host of the award-winning Retirement Answer Man podcast. He is on a mission to change the way the world thinks about retirement, one little conversation at a time. Roger established Rock Retirement Club in 2018 to help foster a safe online space for soon-to be retirees to learn, plan, and interact with other like-minded folks on the path to retirement. As if that's not enough to keep him busy, he is the author of "Rock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future," a Forbes online contributor, creator of the Agile Financial Planning process, and past instructor of the Retirement Planning & Employee Benefits CFP certificate program at the University of Texas at Arlington and of Wealth Management at Texas Christian University. Investopedia has named him to the Top 100 Most Influential Advisors 2017-2021, and he has brought home Plutus Awards for Best Financial Planner Blog (2019) and Best Retirement Blog (2015 and 2017). Website Twitter Facebook YouTube LinkedIn 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.

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

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

Welcome to the Money Talks News Podcast. In this episode we're talking about steps you should be taking right now to achieve financial freedom. No doubt you've imagined being financially independent: No job necessary, no money worries, no debt and plenty of savings. Of course, "financial freedom" means means different things to different people, but one thing's for sure: Not many of us are there yet. One recent survey found that only about 11% of Americans are living their definition of financial independence. But no matter what financial freedom means to you, there are some steps you can take to get there faster. And that's what we're going to talk about today. Today's guest is Jamila Souffrant, the founder of the award-winning podcast Journey to Launch and the author of the book Your Journey to Financial Freedom: A Step-By-Step Guide to Achieving Wealth and Happiness. 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. Listen to the episode using the player at the top of this article or 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. How to Reach Financial Independence Our guest Jamila has some great insights into reaching financial independence—whatever that means to you. We've also got some resources on how to take the steps to reach financial freedom. Plus, you can also get Stacy's book, Life or Debt. It's got helpful information on taking steps on your path to financial freedom. Side Hustle Success: Financial Freedom From Lipstick and Bras From Overwhelming Debt to Financial Freedom: How National Debt Relief Saved Lindsay's Life How to Reach for Financial Freedom with House Hacking 3 Ways Most Americans Define Financial Happiness 5 Ways to Kick-Start Your Journey to Financial Independence 17 Lessons From Regular People Who Achieved Financial Independence 15 Important Lessons From Financial Independence Blogs 5 Tips to Make Better Financial Decisions Sabotage: 10 Ways You're Crippling Your Financial Future Good vs. Bad Debt: A Quick Guide to Borrowing Wisely for Financial Success 15 Key Financial Terms to Know to Plan a Successful Future 9 Ways to Be More Financially Aware and Successful 11 Guidelines for Building a Financial Plan for the Life You Want Smart money moves for your future Don't forget that some of the money moves you make today can have a big impact on your financial future. Check out how to get more from your money and learn how to plan for the future. The Biggest Risk in Financial Planning: Avoiding Risk How to Boost Your Odds of a Successful Retirement to 97% How and Why to Pass on Financial Values to Your Heirs The Big Con: Outsmarting the 5 Sneakiest Financial Scams How to Balance Taking Care of Your Long- and Short-Term Financial Goals 28 Investing Tips From Today's Financial Geniuses Is a Financial Advisor Better Than a Financial Coach? The 7 Most Common Financial Regrets and How to Avoid Them How to Start Investing — No Matter How Much Money You Have The Top 4 Investing Blunders and How to Avoid Them The Right Advisor Can Double Your Retirement Savings: 4 Tips to Find One 9 Financial Bucket List Items to Check Off Before 60 10 Ways to Get Your Financial Life in Order How To Worry Less and Feel Good About Your Financial Future Boost Your Financial Fitness With These 11 Small Money Moves How to Leave a Financial Legacy of Generational Wealth Meet this week's guest, Jamila Souffrant Jamila Souffrant is the author of "Your Journey To Financial Freedom A Step-by-Step Guide to Achieving Wealth and Happiness" and the host of the Journey To Launch podcast. She is considered a go-to thought leader in the personal finance field and her work has been featured in BuzzFeed, ESSENCE, Refinery 29, Money Magazine, CNBC, CBS, Business Insider and more. The Journey To Launch Podcast has over 4+ million total downloads and was listed by the NYTimes as a podcast to help you get better with your money. Jamila and her husband saved $169,000 in two years, is also a mother of three young children and lives in Brooklyn, NY. Website Podcast Twitter/X Facebook Instagram YouTube 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.

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.

Welcome to the Money Talks News Podcast. In this episode, we're talking about how you can have a good time without breaking the bank. Hey, we all need a little fun in our lives, right? What's the point of grinding it out at work, going home, fretting about money, and then sleeping? But here's the rub: The cost of having fun continues to rise at a faster pace than inflation, and that's keeping some of us home. So today is all about having a riot without breaking the bank. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Our special guest is Vee Weir, the host of the For Fox Sake podcast. 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. Save money with frugal fun You don't need to spend a lot of money to have a good time. Vee has lots of great ideas for enjoying yourself without breaking the bank. Here are some of our best resources for saving money when trying to have a good time. 9 Tips to Tackle Your Financial Goals and Still Have Fun 11 Restaurant Apps That Offer Free Food and Drinks 12 Affordable and Fun Date Ideas 18 Best Staycation Ideas for Frugal Families 10 Secret Ways Frugal Travelers Slash Their Costs 17 Ways to Have More Fun for Less Money How to Have a Great Wedding on a Small Budget 10 Countries Where Retirees Have the Best Quality of Life The 15 Most Affordable Cities to Live in the U.S. 9 Affordable Streaming TV Bundles That Can Replace Cable 38 Affordable Experience Gifts for Everyone on Your List 7 Affordable Dinner Party Recipes That Guests Love How To Make an Affordable Charcuterie Board for Under $35 The 10 Most Affordable Places for Homebuyers 3 Affordable Mediterranean Havens 15 Most Affordable Cities for Family Vacations 7 Great Affordable Baby Shower Gifts 8 Places to Find a Discount Massage Other ways to save money on almost anything We've got lots of other ways to save money on almost anything. Check out these other resources on living frugal and making the most out of every dollar. How to Get High-Speed Internet Without Cable or a Phone Line 19 Streaming Services With Free Trials 15 Things You Should Always Buy at Yard Sales 5 Ways to Save Money That Few People Consider 4 Easy Ways to Save Hundreds of Dollars on Your Internet Bill 11 Ways to Score Free Stuff on Amazon 8 Ways to Do Laundry Smarter and Save Money Depression-Era Hacks and Frugal Living Ideas to Save Money Now 13 Things Frugal People Never Do Frugal Living Guide: How to Have Less Stuff and Save Money What to Do If You're More Frugal Than Your Spouse 10 Frugal Living Tips for Young Families 7 Strategies for Frugal Urban Living 12 Money-Saving Tips to Enjoy a Frugal Retirement Meet this week's guest, Vee Weir[caption id="attachment_476216" align="alignnone" width="1920"] Courtesy of Vee Weir / Money Talks News[/caption] Vee Weir is an award-winning, anti-capitalist personal finance content creator and business owner. Her main focus and mission is to challenge common money myths, dismantle barriers preventing access to financial information and examine how capitalism negatively impacts the working class. Her podcast, For Fox Sake, focuses on helping folks navigate late-stage capitalism through sustainable budgeting and realistic financial education. In the past eight years, Vee has amassed a following of over 35,000 online and has been featured in Forbes, Business Insider, CNBC and more. When she's not online, she spends her time hiking with her husband and three dogs in the Rocky Mountains of Colorado or sipping a mocktail with her nose in a Romantasy. Website Podcast Instagram Threads 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.

We're reviewing 8 tips for reducing expenses at home. With inflation taking a bite out of our budgets lately, it's time to BITE back! Second, we're back with our Work From Anywhere segment featuring Miranda Marquit, a professional freelance writer from Idaho. She's going to share how she grew her income to over $10,000 per month working part-time at home! EPISODE RESOURCES: Sponsors + Partners + Deals Monarch Money: https://www.marriagekidsandmoney.com/monarchmoney (affiliate) Tello: https://www.marriagekidsandmoney.com/tello (affiliate) Freelance Writers Academy: https://www.marriagekidsandmoney.com/freelancewritersacademy (affiliate) Miranda Marquit (Website): https://mirandamarquit.com/ MKM RESOURCES: MKM Coaching: Want 1-on-1 support with your family finance journey? Book a time with me today. Make My Kid a Millionaire Course: Want to build generational wealth and happiness for your kid? Learn more about my course! YouTube: Subscribe for free to watch videos of these episodes and interviews. Instagram: Follow our IG channel. SHOW INFORMATION:  Marriage Kids and Money is dedicated to helping young families build wealth and happiness. This award-winning platform helps couples and parents achieve financial independence and discover the true meaning of wealth.  To achieve these big goals, we answer questions and interview experts who uncover smart net worth building habits and tools that can help everyone find their own version of financial independence. Learn more at https://www.marriagekidsandmoney.com  HOST BIO:  Andy Hill, AFC® is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness.  Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With millions of downloads and views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.    When he's not "talking money", Andy enjoys being a soccer Dad, singing karaoke with his wife and relaxing in his hammock. HOW WE MAKE MONEY + DISCLAIMER: This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS: Podcast Artwork: Liz Theresa Editor: Podcast Doctors Podcast Support: Nev Maraj Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the Money Talks News Podcast. In this episode, we're talking about how you can have a good time without breaking the bank. Hey, we all need a little fun in our lives, right? What's the point of grinding it out at work, going home, fretting about money, and then sleeping? But here's the rub: The cost of having fun continues to rise at a faster pace than inflation, and that's keeping some of us home. So today is all about having a riot without breaking the bank. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Our special guest is Vee Weir, the host of the For Fox Sake podcast. 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. Save money with frugal fun You don't need to spend a lot of money to have a good time. Vee has lots of great ideas for enjoying yourself without breaking the bank. Here are some of our best resources for saving money when trying to have a good time. 9 Tips to Tackle Your Financial Goals and Still Have Fun 11 Restaurant Apps That Offer Free Food and Drinks 12 Affordable and Fun Date Ideas 18 Best Staycation Ideas for Frugal Families 10 Secret Ways Frugal Travelers Slash Their Costs 17 Ways to Have More Fun for Less Money How to Have a Great Wedding on a Small Budget 10 Countries Where Retirees Have the Best Quality of Life The 15 Most Affordable Cities to Live in the U.S. 9 Affordable Streaming TV Bundles That Can Replace Cable 38 Affordable Experience Gifts for Everyone on Your List 7 Affordable Dinner Party Recipes That Guests Love How To Make an Affordable Charcuterie Board for Under $35 The 10 Most Affordable Places for Homebuyers 3 Affordable Mediterranean Havens 15 Most Affordable Cities for Family Vacations 7 Great Affordable Baby Shower Gifts 8 Places to Find a Discount Massage Other ways to save money on almost anything We've got lots of other ways to save money on almost anything. Check out these other resources on living frugal and making the most out of every dollar. How to Get High-Speed Internet Without Cable or a Phone Line 19 Streaming Services With Free Trials 15 Things You Should Always Buy at Yard Sales 5 Ways to Save Money That Few People Consider 4 Easy Ways to Save Hundreds of Dollars on Your Internet Bill 11 Ways to Score Free Stuff on Amazon 8 Ways to Do Laundry Smarter and Save Money Depression-Era Hacks and Frugal Living Ideas to Save Money Now 13 Things Frugal People Never Do Frugal Living Guide: How to Have Less Stuff and Save Money What to Do If You're More Frugal Than Your Spouse 10 Frugal Living Tips for Young Families 7 Strategies for Frugal Urban Living 12 Money-Saving Tips to Enjoy a Frugal Retirement Meet this week's guest, Vee Weir Vee Weir is an award-winning, anti-capitalist personal finance content creator and business owner. Her main focus and mission is to challenge common money myths, dismantle barriers preventing access to financial information and examine how capitalism negatively impacts the working class. Her podcast, For Fox Sake, focuses on helping folks navigate late-stage capitalism through sustainable budgeting and realistic financial education. In the past 8 years, Vee has amassed a following of over 35,000 online and has been featured in Forbes, Business Insider, CNBC, and more. When she's not online she spends her time hiking with her husband and three dogs in the Rocky Mountains of Colorado or sipping a mocktail with her nose in a Romantasy. Website Podcast Instagram Threads 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.

Here's one of our best podcasts from the archive that you may have missed.Thanks for listening to Money Talks News…the podcast!   Let's start with a question: Do you have enough in your retirement account? According to a recent report from Vanguard, the average American has around $140,000 saved for retirement. For those 65 and older, that average balance is about twice that, or $280,000. Sounds like a lot, right? But for many people, even with Social Security, it's not going to be enough. If that's you, let's fix it. In this podcast, we help you create a plan to beef up those retirement savings. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week's guest is a friend of the show, Joe Saul-Sehy from Stacking Benjamins. Disclaimer:Remember, even though we sometimes talk about money and specific investments, never take them as recommendations. Before investing in anything or making any other money moves, do your own research and make your own decisions. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or download the episode wherever you get your podcasts: Listen on Apple PodcastsListen on Google PodcastsListen 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. Are you ready for retirement? The Employee Benefit Research Institute points out that 7 in 10 workers are confident they can retire comfortably. In this show, we talk about the potential disconnect between what you might think is enough and what's actually enough. Here are some articles that can help. How Much People Have Saved for Retirement at Every Age6 Big Obstacles to Having a Comfortable RetirementMost People Say They've Reduced or Stopped Saving for Retirement Because of Inflation4 Generations Share the Age They Started Saving for RetirementHere's the New Magic Number for Living Comfortably in Retirement6 Reasons Americans Are Fast-Tracking Their Retirement9 Signs Your Retirement Is on TrackEven Millionaires Share These 4 Retirement Worries7 Reasons Americans Seniors Stay Frugal in Retirement10 Reasons Today's Older Workers Are Delaying Retirement How to create a retirement plan that works for you Stacy mentions his book "[amazon url="https://www.amazon.com/Life-Debt-2010-Financial-Freedom/dp/1439168601" text="Life or Debt"][/amazon]," as a good starting point to help you figure out what you want out of life—and how to prioritize it. Joe and Miranda also have some good ideas for creating a retirement plan you'll stick with. We also mention our podcast on paying off your mortgage aggressively so you have more money available in retirement. Let's take a look at some great Money Talks News resources about planning for retirement. 15 Tips for Those Within 10 Years of RetirementPre-Retirement Checklist: What to Do Within 5 Years of RetiringFinancial Advisers Say These Are the Top 10 Retirement Planning MistakesOver 50? Here's How to Catch Up on Retirement SavingsHealth Savings Accounts and Why They Are Great for Retirement (Miranda never gets tired talking about HSAs.)Is a Bond Ladder Strategy Right for Your Retirement?4 Things You Can Control in Retirement13 Types of Retirement Income That Are Not Taxable3 Things You Should Do – and Not Do – to Prepare for Your Retirement6 Ways to Guarantee Yourself a Steady Retirement IncomeSequence of Returns Risk and How to Protect Your Retirement From It Meet this week's guest, Joe Saul-Sehy Joe is a former financial adviser (16 years) and represented American Express and Ameriprise Financial in the media. He was the "Money Man" at Detroit television station WXYZ-TV, appearing on air twice weekly. He's appeared in Bride, Best Life, and Child magazines, and in the Los Angeles Times, Chicago Sun-Times, Detroit News and Baltimore Sun newspapers. He's also appeared online in more than 200 different places, including CNBC.com and WSJ.com. WebsiteStacking Benjamins PodcastTwitterInstagramLinkedIn 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.

Thanks to today's podcast sponsor, Loan Vision. Loan Vision is the mortgage banking industry's premier mortgage accounting solution with over 240 IMBs and banks. Customers on Loan Vision see a 10% reduction in fallout, 30% reduction in time to close the books, and a 20% reduction in accounting headcount, allowing them to operate their business more efficiently and profitably. Take your accounting department from “cost center” to “revenue generator” now with Loan Vision. To learn more, visit www.loanvision.com today.

Welcome to the Money Talks News Podcast! In this episode, we're talking about paying off your mortgage early so you can put that money to better use. Fewer than half — 40% — of homeowners are mortgage-free, according to a Bloomberg analysis. And many of those are baby boomers. Being mortgage-free is often seen as a big milestone on the journey to financial freedom. So, how do you become one of the favored few who pay off their mortgage before the 30-year term is up? Let's find out. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Today's guest is Andy Hill, founder of Marriage, Kids and Money. He paid off his mortgage early not too long ago and he's going to tell us exactly how he did it — and how it improved his finances and his life. 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. How to buy a home As you get ready to buy a home, there are a lot of moving parts. Here's what you need to know about getting the best deal when you buy a house — no matter where you live. How to Buy a Home Responsibly 15 Critical Things to Look for When Touring an Open House 15 Cities Where It's Cheaper to Buy a Home Than Rent The 10 Worst Places to Buy a Home If You Want It to Gain Value How Much Does It Cost To Sell a House? House Hunting? Here's How to Choose the Right Neighborhood What You Need to Know About Buying a Country House Should You Buy a House or a Townhouse? Is Now a Good Time to Buy a House? Here Are Some Questions to Consider 12 Tips for Buying Your First House How Much Are Closing Costs When Buying a House? 5 Things to Know About Buying a Fixer-Upper House 5 Ways to Buy a House With a Small Down Payment What you need to know about mortgages When you buy a home with a mortgage, you need to know how it works, and the best way to tackle it. Plus, you also need to figure out whether you think you'll actually pay off your mortgage, and whether you think it's a good idea. What You Need to Know About Taking Out a Joint Mortgage How to Get Pre-Qualified for a Mortgage 7 Ways To Pay Off Your Mortgage Years Earlier How Making 1 Extra Mortgage Payment Could Shave Years Off Your Debt Should You Pay Off Your Mortgage or Invest? Should You Refinance Your Mortgage? 7 Times When It's Smart Not To Pay Off Your Mortgage Early 4 Arguments for Retaining Your Mortgage in Retirement Does a Reverse Mortgage Make Sense? 3 Things to Know Meet this week's guest, Andy Hill Accredited Financial Counselor Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping families build wealth and happiness. Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With millions of podcast downloads and video views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.When he's not "talking money," Andy enjoys being a soccer dad, singing karaoke with his wife and relaxing on his hammock. Website Facebook Instagram YouTube 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.

Here's one of our best podcasts from the archive that you may have missed. Original air date: February 27th, 2021 Not long ago, the phrase "working in retirement" was an oxymoron, much like "bittersweet" or "act naturally." After all, if you're working, you're by definition not retired. But that was then. These days, working at least part-time while retired is increasingly common. According to one survey, 27% of pre-retirees said they planned to work part-time in retirement and among recent retirees, 19% work part-time. Why so much working during retirement? More likely than not, because of money. As we explain in articles like "8 Reasons Your Parents Had an Easier Retirement Than You Will," pensions are rapidly disappearing, replaced by much less reliable accounts like IRAs and 401(k)s. And as retiree income is falling, costs are rising. On the plus side, however, while more retirees may be forced back into the workplace to make ends meet, there are more ways than ever to bring in a bit of extra bacon. In short, in my parent's generation, retirement meant not working at all. But for us boomers, retirement is morphing into something different. It's not about doing nothing. Hopefully, it's about being productive and making money, but by doing what you want to do, rather than what you have to do. What kind of work will today's (or tomorrow's) retiree look forward to doing? Will it be easy to find pleasant, lucrative work? Should we start long before we retire? In this week's "Money" podcast, we're going to find answers to these questions, as well as many more. Our guest is author and super-popular podcaster Paula Pant from Afford Anything. She's smart, funny and knowledgeable -- you'll have a good time listening to her. As usual, my co-host will be financial journalist Miranda Marquit, and we're joined by our producer and sound effects guy, Aaron Freeman. Sit back, relax and listen to this week's "Money" podcast! Listen on Apple PodcastsListen on Google PodcastsListen on Spotify [related] Not familiar with podcasts? A podcast is basically a radio show you can listen to anytime, either by downloading it to your smartphone or other device, or by listening online. They're totally free. They can be any length (ours are typically about a half-hour), feature any number of people and cover any topic you can possibly think of. You can listen at home, in the car, while jogging or, if you're like me, when riding your bike. 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 a podcast yet, give it a try, then subscribe to ours. You'll be glad you did! Show notes Want more information? Check out these resources: "7 Tips for Getting a Great Part-Time Job in Retirement""10 Stats About Working in Retirement""This Job Board Specializes in Remote Work and Flexible Gigs""5 Reasons You Should Work for as Long as You Live""15 Jobs for Retirees That Can Be Done From Home""8 Signs That It's Time for You to Unretire"AARP: Job Search Resources for 50+Subscribe to the Money Talks News newsletterTake our The Only Retirement Guide You'll Ever Need courseTake our Money Made Simple courseAbout me I founded Money Talks News in 1991. I'm a CPA, and have also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Welcome to the Money Talks News Podcast. This podcast is all about making you richer. And at the end of the day, there are only two ways to do that: either you make more, or you spend less. In this episode, we're going to talk about ways to spend less, BUT, doing it without sacrificing your quality of life. That's right: I'm talking financial gain without lifestyle pain. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Today our guest is Gina Zakaria, a viral TikTok sensation and author of the book Simple Secrets to Becoming a Saving Whiz. 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 watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or 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. How to save more money Gina takes us through her process for figuring out how to save a little extra and do it without feeling a lot of pain or making dramatic changes. We've got plenty of tips and tricks for how you can easily cut costs. Depression-Era Hacks and Frugal Living Ideas to Save Money Now 10 Ways to Change Bad Spending Habits and Save Money 11 Ways To Save Money on Food Without Using Coupons 12 Simple Ways To Save Money in Retirement 25 Tips for How to Save Money If Your Paycheck Is Stretched Thin Frugal Living Guide: How to Have Less Stuff and Save Money 13 Ways To Save Money on Road Trips 5 Easy Home Repairs That Save Money How to Use Gift Cards to Save Money 5 Best Ways to Save Money for Kids 15 Ways to Save Money on Prescription Drugs 15 Ways to Save Money on Vacation What to do with all the money you save Now that you have saved some money, you can put it to good use. Pay down debt, start an emergency fund or invest for the future. Once you've got a handle on saving money, we've got some great resources that can help you put your money to work on your behalf. 8 Surefire Ways To Get Rid of Debt ASAP 5 Tips to Deal With Debt When Interest Rates Are Rising Debt Consolidation vs. Debt Settlement: 5 Things You Need To Know How to Destroy Your Debt and 3 Things to Do Next How to Start an Emergency Fund From Scratch so You're Prepared for Anything 9 Tips for Starting an Emergency Fund Today How to Start Investing — No Matter How Much Money You Have The Top 4 Investing Blunders and How to Avoid Them Why Index Fund Investing Is Good for Your Retirement 4 Ways to Tax-Proof Your Investment Portfolio Are You an ‘Emotionally Intelligent' Investor? Should You Pay Off Your Mortgage or Invest? Meet this week's guest, Gina Zakaria Gina Zakaria (known as the Saving Whiz to her 5 million+ followers on social media) is a personal finance educator, published author, and savings expert. She founded Saving Whiz after learning many money lessons the hard way as she paid off her six figures of debt with her husband and achieved financial freedom. Saving Whiz is a money education platform specifically designed to share simple strategies to help women take charge of their finances the easy way. She's been in the money space for over 20 years and has been featured in Forbes, Money Magazine, Good Morning America, NBC Today, and other prominent personal finance publications. Her approach of simplicity and small, gradual steps has been embraced by people around the world and has helped them transform their lives and eliminate the stress and overwhelm from the process. Website Facebook Instagram YouTube TikTok 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.

Welcome to the Money Talks News Podcast. In this episode, we're talking about how asking the right money questions can help you find your own version of financial freedom. When it comes to money, most people want answers. But sometimes getting ahead isn't about getting answers, it's about asking the right questions. Like WHY we're doing what we're doing and where we want to end up when we do it. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week we welcome back Matt Schulz, the chief credit analyst at Lending Tree and author of the book Ask Questions, Save Money, Make More: How to Take Control of Your Financial Life. 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 watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or 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. The money decisions you make have an impact Understanding the impact of your money decisions is an important part of long-term financial success. Part of that is asking the right questions. In this episode, we cover the questions you can ask to improve your understanding of money—and make better financial decisions. We also have some resources on the website that can help you navigate your money choices: 5 Bad Decisions That Harm Retirement Readiness the Most — and 5 Choices That Boost It The Best Sources to Help You Make Great Financial Decisions 5 Tips to Make Better Financial Decisions 5 Decisions That Can Make or Break Your Retirement 15 Tips for Making the Best Social Security Decisions Depression-Era Hacks and Frugal Living Ideas to Save Money Now 6 Clever Ideas to Make Money While You Sleep 11 Cheap Business Ideas You Can Start for Less Than $1,000 9+ Flexible Job Ideas for Retirees With Little or No Savings Learn more about important financial areas of your life Our guest, Matt, takes us through some of the best questions to ask about important financial areas of your life, including credit, housing, health and more. We also have a lot of great resources that can help you navigate various money issues. How to Protect Your Kids' Credit 6 Ways to Keep a Stellar Credit Score in Retirement (and Why) How I Got a Perfect Credit Score in 4 Steps How to Raise Your Credit Score Without Getting Ripped Off 7 Ways to Get Your FICO Credit Score for Free 8 Telemedicine Options for Affordable Health Care Without Insurance 13 Habits of Happy and Healthy Aging 6 Medicare Mistakes To Avoid for a Healthy Retirement 98 Tips for a Healthy, Wealthy and Happy Retirement 7 Ways Anyone Can Save on Out-of-Pocket Health Care Costs What To Do When You Can't Find Affordable Housing How to Buy a Home Responsibly 7 Signs That You're Not Ready to Buy a Home 9 Grocery Shopping Mistakes That Will Cost You How the 6-1 Method Makes Grocery Shopping a Breeze A $50-a-Week Meal Plan for 1 When Shopping at Aldi 10 Ways to Save Money Shopping for Clothes Shopping Secrets Revealed: 6 Tricks the Pros Use to Save Hundreds 7 Sneaky Travel Charges to Avoid How to Travel Europe on a Budget 20 Traveling Jobs That Let You See the World Frugal Travelers Love These Economy Hotel Chains Meet this week's guest, Matt Schulz Matt Schulz is a personal finance expert and author of Ask Questions, Save Money, Make More: How to Take Control of Your Financial Life (March 2024), a money manual that empowers you to pay less, earn more and keep more of your hard-earned money by asking the right questions in everyday, real-life situations. A nationally recognized money expert with more than 15 years of experience helping Americans make smarter money decisions, Matt is also the Chief Credit Analyst at LendingTree. He has been featured in various media outlets including CBS Evening News , The Wall Street Journal, The New York Times, Fox Business , CNN Business, Yahoo! Finance, The TODAY Show, NBC Nightly News, Bloomberg, ABC World News Tonight, CNBC, and many more – always with the goal of making the often-complex world of personal finance easier to understand. Twitter/X Facebook Instagram TikTok  LinkedIn 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.

Welcome to the Money Talks News Podcast. In this episode, we're talking about investing in artificial intelligence, as well as using AI tools to become a more successful investor. The hype around artificial intelligence has been insane, with some calling it the greatest game-changer since the invention of the internet or even electricity! Is it true? Is AI that big a deal? And if so, should we be investing in the companies developing it? And how do we go about harnessing AI to make better investment decisions? We're going to answer both those questions, and more, in this podcast. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week's guest is Kevin Matthews, a former investment advisor and the founder of Building Bread, an investment education website. 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 watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or 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. Is AI going to change your life? We talk about AI and how it's starting to permeate various aspects of life. It could change how you live and work—and even how you manage your money. Check out some of our resources on using AI in your finances and other parts of your life. 20 Jobs That Are Safest From Artificial Intelligence Will Robots and Artificial Intelligence Take Your Job? 8 Ways AI Can Help Plan Retirement — and 12 Risks From Using It Using AI to Build Your Resume: Tips and Prompt Examples How to Use AI to Generate Your Cover Letter Hear a Loved One's Voice Calling for Help? It Might Be a Scam How to Invest in AI as ChatGPT Takes Tech by Storm 5 Ways AI Is Changing Your Life, and 5 Ways to Profit From It Resources for better investing You don't have to assume that AI is the only way to invest. We have plenty of resources for better investing—no matter how you go about it. Why Index Fund Investing Is Good for Your Retirement How to Start Investing — No Matter How Much Money You Have The Top 4 Investing Blunders and How to Avoid Them The Investing Combo Linked to a Better Retirement Lifestyle Investing in Gold and Gold IRAs: 5 Things You Need to Know How to Choose Between Active and Passive Investing 28 Investing Tips From Today's Financial Geniuses What Does a Bull Market Mean for Retirement Investing? 7 Things You Should Know Before Investing in I Bonds Meet this week's guest, Kevin L. Matthews II Kevin L. Matthews II is a Plutus Award winner and number one bestselling author. He has helped hundreds of individuals plan for their retirement in addition to managing more than $140 million in assets during his advisory career. In 2017, he was named one of the Top 100 Most Influential Financial Advisors by Investopedia. Kevin launched BuildingBread in 2010 to inspire millennials to set, simplify and achieve any financial goal. Kevin regularly speaks to young adults across the country and has been featured in several media publications and productions including The Wall Street Journal, The New York Times, Forbes, Black Enterprise, CNBC, and many others. Kevin holds a bachelor's degree in Economics from Hampton University, a certificate in financial planning from Northwestern University and a certificate in disruptive strategy from Harvard Business School. In 2020, he graduated from the University of Texas at Austin's McCombs School of Business with a Master's in Technology Commercialization (MSTC). Website Twitter Facebook Instagram YouTube 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.

Today, we're talking about things people wish they'd known before retiring. Planning for retirement is a tricky business! Lots of moving pieces and parts. Today we're going to share some things real retirees said they wish they'd known before they retired. We're going to focus on five high-impact areas that can add tens of thousands of dollars to your retirement savings. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Friend of the show, Pam Krueger from Wealthramp, returns to share real stories of retirement regrets. Before you listen, remember: This isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can listen to the podcast wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Watch out for these money mistakes In this episode, we discuss specific retirement mistakes, but they're not the only money mistakes you could make. Check out these resources that cover some of the most common money mistakes—not just retirement—and how to avoid them. 5 Surprisingly Costly Mistakes We Make at Gas Stations 15 Common Thrift Store Shopping Mistakes to Avoid 12 Home-Selling Mistakes You'll Regret 16 First-Time Homebuyer Mistakes To Avoid 7 of the Worst Car-Buying Mistakes You Can Make 27 Big Financial Mistakes That Most People Make — and How to Fix Them 14 Mistakes That Are Running Up Your Water Bill 6 Mistakes That Can Cost You a Job Offer in No Time 9 Money Mistakes Setting Fire to Your Future 6 Medicare Mistakes To Avoid for a Healthy Retirement Don't Make These 6 Expensive Financial Mistakes 15 Mistakes People Make With Roth IRAs The 3 Mistakes Nearly Every Investor Makes 6 Estate Planning Mistakes to Avoid Helpful tips for a better retirement Ready to take the next steps for a better, more successful retirement? We've got you. Check out our retirement resources: How Much Do You Need for Retirement If You Live to Age 100? 12 Simple Ways To Save Money in Retirement Over-Saving for Retirement: Advice From People Who Saved Too Much Your Year-End Retirement Checklist: Prepare for a Great 2024 and Beyond 6 Ways to Keep a Stellar Credit Score in Retirement (and Why) 15 Tips to Successfully Downsize in Retirement The Right Advisor Can Double Your Retirement Savings: 4 Tips to Find One The Top 8 Sources of Retirement Income, According to Retirees The Top 10% of Retirement Savers Share These 4 Traits 98 Tips for a Healthy, Wealthy and Happy Retirement 8 Ways AI Can Help Plan Retirement — and 12 Risks From Using It 11 Retirement Milestones Everyone Should Know 12 Hard Truths About Retirement Meet this week's guest, Pam Krueger Pam Krueger is a recognized investor advocate and award-winning personal finance journalist and author. She is the founder and CEO of Wealthramp, an advisor-matching platform that connects consumers with rigorously vetted and qualified fee-only financial advisors. It is the only advisor referral service that gives people full control over when and how they talk to their referred advisors. Her perspectives on personal finance regularly appear in Marketwatch, Forbes, PBS Next Avenue, and she is a frequent speaker on fiduciary financial advice. In addition, Pam is an active volunteer member of the Retirement Income Committee at the Defined Contribution Institutional Investment Association (DCIIA), a non-profit dedicated to enhancing the retirement security of America's workers. She has also served on the California Jump$tart Coalition, an organization dedicated to increasing financial literacy among children and teens, where she created one of their most successful curricula available for K-12 teachers called, Investing Pays Off For Kids. Each year, she spends part of her time in San Francisco, California and lives in Cape Cod, Massachusetts. Wealthramp Podcast: MoneyTrack Podcast: Friends Talk Money X (Twitter) LinkedIn 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 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.

In this episode we're talking about how just about anyone can start investing. When Stacy was an investment broker 40 years ago, investing was a colossal pain in the butt. You needed thousands of dollars to pick up the phone and talk to someone like me; you couldn't just do it yourself. Today, though, things have changed. Did you know you can start investing with as little as $5? And you don't even need anyone's help. Just do it online. And investing is important. Stocks and other risk assets are one of the best ways to build wealth over time. So today we're going help you get started, whether you've got $5 or $5 million. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Today's special guest is Marko Zlatic, founder of Whiteboard Finance. Before you listen, remember: This isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can listen to the podcast wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Investing is one of the best ways to build wealth If you want to build wealth, you need to invest. We have lots of resources on investing in different types of assets, and ideas to help you get started. Investing in Gold and Gold IRAs: 5 Things You Need to Know 5 Simple Tips to Make Money With Stocks Why Index Fund Investing Is Good for Your Retirement 7 of the Best Dividend Stocks to Help Fund Your Retirement The Investing Combo Linked to a Better Retirement Lifestyle Investing In Commercial Real Estate with CrowdStreet How to Choose Between Active and Passive Investing 7 Things You Should Know Before Investing in I Bonds 9 Tips for Sane and Successful Stock Investing 7 of the Best Ways to Invest That Don't Involve Stocks Financial Wisdom: What Is the Best Investment? Find the money to start investing Sure, you can start investing with pocket change. And you should start as soon as you can. But if you're trying to figure out where to find the money to invest more, we can help you with savings articles. Use the knowledge you gain to put more into your nest egg. 25 Tips for How to Save Money If Your Paycheck Is Stretched Thin 51 Fast Ways to Score $1,000 or More 7 Secret Ways to Put More Money in Your Pocket Frugal Living Guide: How to Have Less Stuff and Save Money 21 Products That Will Help You Save Money 11 Ways To Save Money on Food Without Using Coupons 10 Depression Era Hacks and Frugal Living Ideas To Save Money Now 11 Ways to Save Money Using Social Media 12 Ways to Save Money on Health Care How to Use Gift Cards to Save Money 10 Ways to Change Bad Spending Habits and Save Money How to Position Your Investment Portfolio for Tax Advantages 9 Side Hustles Where You Could Earn More Than Full-Time Work 10 Shockingly Simple Ways to Make More and Spend Less Meet this week's guest, Marko Zlatic Marko has been investing since 2006. In 2010, he earned his Bachelor's degree in Finance from the University of Akron. Marko has worked for multiple publicly traded companies in capital markets, risk analysis, and commercial real estate development. In 2017, he started his YouTube Channel, WhiteBoard Finance, which now has over 60 Million views and 975,000+ subscribers. His life's mission is to teach financial literacy and enable people of all backgrounds to become financially independent. WBF University WBF YouTube X (Twitter) 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 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.

In this episode, we're talking about the top four mistakes investors make. When it comes to stocks, we all know we're supposed to buy low and sell high, but for many of us, that's a lot easier said than done. Many investors tend to buy when the market's topping, then panic and sell at the bottom. That's one common mistake investors make, but it's far from the only one. Today, we're talking to a behavioral investing expert about how simple mistakes can lead to big losses, especially during times of economic uncertainty. He's going to help us avoid falling into behavioral traps and make us all better investors. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Our guest is Jason L Smith, CEO and founder of C2P Enterprises and author of The Bucket Plan. Before you listen, remember: This isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can listen to the podcast wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify We all make money mistakes It's impossible to get through life without making a mistake or two. Whether it's listening to the wrong financial guru or even if you make a big mistake (like Miranda) that ruined your credit, we've all been there. We talk specifically about investing mistakes, but we have plenty of resources to help you identify and avoid other money mistakes. 12 Home-Selling Mistakes You'll Regret 7 of the Worst Car-Buying Mistakes You Can Make 6 Mistakes To Avoid When You Turn 65 27 Big Financial Mistakes That Most People Make — and How to Fix Them 14 Mistakes That Are Running Up Your Water Bill 16 First-Time Homebuyer Mistakes To Avoid 10 Embarrassing Mistakes Almost Everyone Makes 5 Retirement Planning Mistakes You'll Regret Forever 9 Money Mistakes Setting Fire to Your Future Investing for the future Don't let the fear of making mistakes keep you from investing. In fact, one of the biggest mistakes is not getting started. Here are some articles that can help you become a better investor. 3 Myths That Successful Investors Wish You'd Stop Believing Saving Is Not Enough: Why You Need to Invest 5 Simple Tips to Make Money With Stocks Investing in Gold and Gold IRAs: 5 Things You Need to Know How to Choose Between Active and Passive Investing 7 Things You Should Know Before Investing in I Bonds 9 Tips for Sane and Successful Stock Investing Environmental, Social and Governance (ESG) Investing: Hope or Hype? How to Invest When Both Stocks and Bonds Are Falling 7 of the Best Ways to Invest That Don't Involve Stocks How to Find the Best Dividend Stocks, Step by Step How to Position Your Investment Portfolio for Tax Advantages Meet this week's guest, Jason L. Smith Jason L Smith, CEP®, BPC is a nationally acclaimed speaker, financial planner, best-selling author, coach, and entrepreneur. He is the Founder and CEO of C2P, as well as JL Smith, his own holistically run financial services practice. Jason is the author of the best-selling book, The Bucket Plan: Protecting and Growing Your Assets for a Worry-Free Retirement, which was recently named by U.S. News & World Report as one of the Top 10 Retirement Planning Books; the only one based on a financial planning process. He also wrote Clarity 2 Prosperity: An Advisor's Guide to Charging Planning Fees for Holistic Planning, and co-authored The Hiring Advantage. Jason's Bucket Plan philosophy inspired a children's book designed to teach kids responsible spending, saving, and earning principles, Days Can Be Sunny for Bunnies and Money. Jason and his wife, Holly, have a daughter, Jordan, and two sets of twins: Berkeley and Wyatt, and Lincoln and Lennon. Jason enjoys reading, grilling, yoga, strength training, and anything that gets him outdoors. Website X (Twitter) Facebook Instagram LinkedIn Threads YouTube 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 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.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1189:  Episode Summary: Miranda Marquit's guide to becoming an independent contractor offers invaluable insights into the transition to self-employment. It covers essential steps like setting up a business structure, managing finances, and marketing strategies, all aimed at achieving professional freedom and flexibility. Read along with the original article(s) here: https://www.goodfinancialcents.com/how-to-become-an-independent-contractor/ Quotes to ponder: "Becoming an independent contractor can be a rewarding way to work for those who value flexibility and independence." "Remember, being an independent contractor requires self-discipline, hard work, and good time management, but the rewards can be great!" Learn more about your ad choices. Visit megaphone.fm/adchoices

How do you define a wealthy life, and what how do you identify "wealthy?" On today's special roundtable, our panelists share their reactions to a piece that tackles how we define wealth—and not all wealth is tied to how many Benjamins you make. We're joined by our friends Miranda Marquit, Paula Pant, and Len Penzo. Is wealth to you taking a fancy, luxurious vacation every year? Or do you define wealth as having the freedom to step into your own backyard sanctuary and fire up the grill? Is wealth to you the peace of mind to walk away from your 9-to-5? In the second half of the show, we'll dive into the importance of having a good work-life balance. Finally, our year-long trivia competition is entering the home stretch. Stay tuned for Doug's fancy transportation-themed question and find out who pulls out the W. FULL SHOW NOTES: https://www.stackingbenjamins.com/friday-roundtable-wealthy-traits-1419 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