Podcasts about money letters

Achieving financial independence doesn't require a six-figure salary — just ask Jackie Koski. In this episode of Real Money, Real Experts, we sit down with Jackie Koski, an Accredited Financial Counselor and Certified Financial Planner who achieved financial independence in her 40s — all while earning less than six figures. Jackie shares her inspiring journey of overcoming poverty, divorce, and single motherhood to reach F.I.R.E. (Financial Independence, Retire Early). She breaks down her proven formula for building wealth, the importance of mindset in financial success, and how passing down financial wisdom can create a lasting legacy. Don't miss this empowering conversation filled with practical strategies for achieving financial freedom on your own terms.Show Notes:02:18 How Jackie Achieved Financial Independence on Less Than Six Figures08:37 The Heart Behind "Money Letters to My Daughter"11:10 Jackie's Proven Blueprint for Achieving F.I.R.E.14:16 Why Starting Late Could Be Your Greatest Advantage19:07 Embracing Your Strengths to Unlock Financial Success23:38 The Unexpected Power of the $2 Bill28:35 Jackie's 2 CentsShow Note Links:Connect with Jackie on LinkedInConnect with Jackie on IGSecure your copy of  “Money Letters 2 my Daughter" Secure your copy of “F.I.R.E. for Dummies” Learn more about Jackie and what she's up to here.Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

Considering working with a financial advisor? Here are 5 questions to ask a financial advisor before working with them. Getting answers to these questions will help you become informed and empowered on your investing journey. Second, we're back with our Net Worth Win segment. This month, we're featuring Jackie Cummings Koski from the Catching Up To FI Podcast. Jackie has grown her net worth to $1.8 million by 54 years old. We'll learn how she did it and what generational wealth means to her as a mother. Last, my son Calvin will be reading the month's review and I'll quiz him with some money questions. We're talking about Women's History Month, net worth, and visiting Cancun! EPISODE RESOURCES: Sponsors + Partners + Deals FIRE for Dummies (book): https://amzn.to/41PHiS5 (affiliate) Jackie Cummings Koski (podcast): https://catchinguptofi.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! Coast FIRE Calculator: A free calculator to help you find out when you can slow down or stop investing for retirement. Mortgage Payoff Calculator: A free calculator to help you see how fast you can become mortgage free. YouTube: Subscribe for free to watch videos of these episodes and interviews. RECOMMENDED RESOURCES (SPONSORS AND AFFILIATES): Monarch Money - Best Budget App for Families & Couples Empower - Free Portfolio Tracker Crew - HYSA Banking Built for Families - Get an Extra 0.5% APY with my partner link Ethos - Affordable Term Life Insurance Trust & Will - Convenient Estate Planning GUEST BIO: Jackie Cummings Koski is a financial educator, author, and F.I.R.E. advocate who achieved a $1M+ net worth despite earning under six figures. Raised in a modest household, she pursued financial literacy, earning a master's in Personal Financial Planning. As a single mother, she wrote Money Letters 2 My Daughter to teach financial principles. Now a CFP, AFC, and Certified Health Savings Advisor, she co-hosts the Catching Up to FI podcast and has been featured on CNBC, MarketWatch, and the Rachael Ray Show. Jackie is dedicated to empowering others through financial education. 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: Johnny Sohl Podcast Support: Nev Maraj Learn more about your ad choices. Visit megaphone.fm/adchoices

Our guest on the podcast today is Jackie Cummings Koski. She is a certified financial planner, and she is the author of a new book, F.I.R.E. For Dummies. FIRE stands for financial independence, retire early. Jackie is also the co-host of a podcast, Catching Up to FI, geared toward people getting a late start on financial independence. She is founder and CEO of Money Letters, LLC, which is geared toward providing financial education. She received her undergraduate degree in communications and journalism from Augusta University and her master's degree in personal financial planning and financial therapy from Kansas State University.BackgroundBioF.I.R.E. for DummiesCatching Up to FI podcastFInominal WomenHow It Began/Resources“Financial Independence, Retire Early (FIRE) Explained: How It Works,” by Alexandra Kerr, Investopedia.com, Aug. 16, 2024.“This Women Grew Her Wealth and Retired by Age 49—Here Are 5 Major Steps She Took to Do It,” by Jasmin Suknanan, cnbc.com, Jan. 2, 2024.Choose FI1500 Days to FreedomRoot of GoodMad FientistJamila SouffrantHealth Savings Accounts“Health Savings Account (HSA): How HSAs Work, Contribution Rules,” by Julia Kagan, Ivestopedia.com, July 22, 2024.“How an HSA Is Helping One Woman Achieve FI/RE Toward Early Retirement,” hsastore.com.Other“Most US States Will Soon Require Personal Finance Courses in School,” by Justin Boggs, scrippsnews.com, July 1, 2024.Better InvestingAffordable Care Act (ACA)“Jamila Souffrant: ‘What Type of Life Do You Actually Want to Live?'” The Long View podcast, Morningstar.com, May 28, 2024.

This week on the Journey to Launch Podcast, we have Jackie Cummings Koski, author of the award winning book “Money Letters 2 my Daughter” and her new book, “F.I.R.E. for Dummies”. Jackie overcame poverty, divorce and single motherhood and despite having a late start and making less than six figures, she reached Financial Independence and Retire Early (FIRE) at age 49 in 2019 when she officially retired from her corporate job with a net worth of over $1 million. Jackie shares with us the importance of mindset and reframing attitudes towards money, strategies for managing retirement finances, & how you too can reach financial freedom even if you are starting later in life.  In This Episode you'll learn:  How Jackie used the 25x rule to get her FI number, and what financial habits helped her reach FI in 10 years, despite being in a difficult financial situation after her divorce.  How shifting your mindset from saving for retirement to investing for financial independence, can make it exciting to save and invest. Why she initially struggled with the emotional aspect of withdrawing money from her investment accounts in early retirement, and how her net worth increased to 2.8 million by 2024, even after making withdrawals  Example of retirement planning strategies for early retirees, including Social Security benefits and tax-free withdrawals  How Jackie's daughter has been her biggest cheerleader and how her views on work and retirement differ from Jackie's as she is part of a different generation, Gen Z.  Watch the video to this episode on YouTube by going to https://youtu.be/JARjqHD1r0s  Other Links Mentioned in episode: Jackie's first episode All About The Health Savings Account (HSA) -The Ultimate Retirement And Investment Account W/ Jackie Koski Jackie's previous episode: How To Thrive in the Current Financial Market Turmoil & Better Position Yourself Financially with Jackie Cummings Koski Get a copy of Jackie's book: F.I.R.E for Dummies Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Jackie: Website: https://FinomenalWoman.com Instagram:@FInomenal_Woman Twitter: @FInomenal_Woman Catching Up to FI Podcast Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide Get The Budget Bootcamp for FREE

Advice for Career Changers taking the CFP® ExamIn today's podcast, we speak with Jackie Cummings Koski, MSPFP, CFP®, AFC® about how to approach the CFP® exam as a career changer. Jackie will discuss why she chose the financial planning profession, how she selected a exam prep provider, how she got a $5,000 scholarship, what her study strategy for the exam was, and how she nearly fainted when “PASS” flashed on the computer screen after six long hours of answering question. Bio: Jackie is a financial literacy expert and the owner of Money Letters, LLC. In addition to being a CERTIFIED FINANCIAL PLANNER™ professional, Jackie holds a Masters of Science in Personal Financial Planning from Kansas State University and is an Accredited Financial Counselor®. She's also the author of the award-winning book 'Money Letters 2 My Daughter' and has showcased her expertise in financial literacy (and warm personality) on 'The Rachel Ray Show', CNBC, Forbes and People Magazine. You can learn more about Jackie Cummings Koski below: https://linktr.ee/MoneyLetters Jackie's Recommended CFP® Exam Help Resources: https://docs.google.com/spreadsheets/d/1JL3gHgqnfgR-biPQoIKyLMGehRE6G3Ej/edit?usp=sharing&ouid=118170074337197264225&rtpof=true&sd=true Book: Money Letters 2 My Daughter https://www.amazon.com/dp/0989186008?ref_=cm_sw_r_mwn_dp_73DADFT2H9VNRXVWGTGGThe Rachel Ray Show: https://www.rachaelrayshow.com/video/how-this-single-mom-who-grew-up-in-poverty-was-able-to-retire-at-49 ____________________________________________ About Sev Meneshian

Join us in this episode of the 'Forget About Money' podcast as Jackie Cummings Koski shares her incredible journey from poverty to financial independence, retiring at 49 with a $1.3 million net worth on a modest salary. Discover how Jackie overcame adversity, maximized her 401(k), and invested wisely to break free from the poverty cycle. Her dedication to financial literacy and empowering others in diverse communities is truly inspiring. Timestamps:0:00:00 Transformative Journey0:04:46 Shaping Personal Finance Approach0:06:31 Doing More with Money0:10:17 Transition to Financial Knowledge0:17:16 Sharing Financial Wisdom0:23:03 Transition to Advocating0:25:27 Meeting People Where They Are0:28:06 Notable Success StoryFollow 'Forget About Money' Podcast: Instagram: @forgetaboutmoneyYouTube: @forgetaboutmoneypodcast Get Jackie's Book: Unlock financial wisdom with Jackie Cummings Koski's book, "Money Letters 2 My Daughter," available on Amazon: Get Your Copy here: https://www.amazon.com/Money-Letters-2-My-Daughter/dp/0989186008 ✨ Engage with the Content: Like if Jackie's journey inspires you! Comment your insights on overcoming poverty. Subscribe for more empowering stories and financial advice. Share this episode to spread the message of financial independence! #PovertyCycle #FinancialFreedom #JackieCummingsKoski #InvestingWisely #RetirementGoals #MoneyManagement #PersonalFinanceTips #Empowerment #FinancialLiteracy #ForgetAboutMoneyPodcast #MoneyLetters2MyDaughter #WealthBuilding #Inspiration

This week is a bittersweet episode for the Catching Up to FI team as our beloved friend and co-host, Becky, announces she's stepping down from the podcast next month in order to pursue other aspirations during her go-go years of retirement as well as spend more time with her grandkids. While she may not be asking questions on the podcast, be sure to look for Becky in the Facebook group and FI community as she will be present and active in those spaces. Becky, we want to thank you for all you've done to mold the Catching Up to FI community, foster meaningful and educational conversations, and give practical yet compassionate advice to all of us in the financial independence space. Your dedication, spark, and humor will be missed on the podcast but we can't wait to see where life takes you in the coming years.  Although we cannot replace Becky, we are excited to welcome the lovely and joyful Jackie Cummings Koski to the show! Jackie is a transparent financial educator and author of Money Letters to My Daughter (and upcoming book, FIRE for Dummies). She has helped Bill co-host as a guest on previous episodes and is excited to jump into the seat full time. Bill and Jackie are cooking up some tasty future episodes, so be sure to stay tuned!

Today we welcome Jeff Opdyke to the show! Bill and returning guest host, Jackie, sit down with Jeff to talk about raising financially savvy children as well as the pros and cons of living internationally.  Jeff was born and raised in South Louisiana but grew up traveling the world and has never really stopped. He spent 17 years covering personal finance and investing for The Wall Street Journal, and seven years writing the Journal's nationally syndicated “Love & Money” column that chronicled the real ways personal finances and personal relationships clash.  Jeff has traveled to more than 70 countries and currently works as a digital nomad living and writing from Cascais, Portugal about retirement lifestyle, travel, and global investing. Jeff Opdyke is the editor of The Global Intelligence Letter and contributor to International Living. Welcome to the show, Jeff! Connect with us Buy CUtFI a coffee Resources mentioned on the show: Replay: Your Second Chance to Invest in the American Dream by Jeff Opdyke Financially Ever After: The Couples' Guide to Managing Money by Jeff Opdyke Bite Your Tongue Podcast Episode 2: MONEY...and Your Adult Children! Money Letters 2 My Daughter by Jackie Cummings Koski 4% Rule International Living International Living Conferences Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Jackie Cummings Koski has overcome poverty, divorce, and the struggles of single motherhood. Yet, she was able to retire from her corporate job of 20 years in 2019 at the early age of 49! That whole time, she's made less than six figures.   Jackie sits down with Stephanie and Kevin to discuss how she overcame those adversities and the wake-up call that totally changed her view of her finances.   Four years later, after leaving corporate America, 53-year-old Jackie is following her big dream of creating a financially-literate society!   Listen in as she shares an inspiring journey that began in rural South Carolina, where she lived below the poverty line in a single-parent household alongside her six siblings. Committed to “not grow up poor,” Jackie decided to study all she can about investing and the stock market and joined the Financial Independence, Retire Early (FIRE) community later on.   Years after beginning to implement what she's learned, Jackie was able to put together a powerful cash flow strategy for retirement despite never earning beyond six figures in her sales career.   Coupling her realization that “you don't have to be wealthy to teach about money” with her dream to make a real impact on the world, Jackie has dedicated her post-retirement life to educating others on financial literacy. That began with her daughter, to whom Jackie dedicated her 2014 book Money Letters 2 My Daughter.   Key Topics: Jackie's long journey to successfully retiring from her corporate job at 49 (2:25) Getting over the fear of investing following her divorce (9:06) Creating a plan to have enough saved for retirement (14:47) Writing the book Money Letters 2 My Daughter (16:17) Jackie's thoughts on the financial planning industry (20:48) How Jackie's definition of retirement changed over time (26:18) What drew Jackie to the FIRE community (30:05) Creating an “anti-budget” (35:12) The importance of doing a net worth statement (39:27) Advice to those looking to build up their retirement account in today's economy (44:17) Stephanie and Kevin's closing thoughts (49:19)   Follow Jackie Koski on Instagram at www.instagram.com/finomenal_woman.     If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

In today's podcast, we speak with Jackie Cummings Koski, MSPFP, CFP®, AFC® about how to approach the CFP® exam as a career changer. Jackie will discuss why she chose the financial planning profession, how she selected a exam prep provider, how she got a $5,000 scholarship, what her study strategy for the exam was, and how she nearly fainted when “PASS” flashed on the computer screen after six long hours of answering question. Bio: Jackie is a financial literacy expert and the owner of Money Letters, LLC. In addition to being a CERTIFIED FINANCIAL PLANNER™ professional, Jackie holds a Masters of Science in Personal Financial Planning from Kansas State University and is an Accredited Financial Counselor®. She's also the author of the award-winning book 'Money Letters 2 My Daughter' and has showcased her expertise in financial literacy (and warm personality) on 'The Rachel Ray Show', CNBC, Forbes and People Magazine. You can learn more about Jackie Cummings Koski below: https://linktr.ee/MoneyLetters Jackie's Recommended CFP® Exam Help Resources (we made the list!): https://docs.google.com/file/d/1JL3gH... Book: Money Letters 2 My Daughter: https://www.amazon.com/dp/0989186008?... Rachel Ray Show: https://www.rachaelrayshow.com/video/...

We're kicking off the Worth Listening Millionaire Series! Over the next couple of months, Worth Listening host and Certified Financial Planner Lauryn Wiliams, will be interviewing millionaires on the podcast so we can hear their money memories and what they did to reach that coveted millionaire status. The first guest on the series is Jackie Cummings Kosk. She is sharing her story of how she overcame poverty, divorce and single motherhood, to reach financial independence and retire early from her corporate job while still in her 40s, all while making less than six figures a year.  Jackie is the author of the book, “Money Letters 2 my Daughter”, which was a 2013 winner of the Excellence in Financial Literacy Education (EIFLE) Award. In 2015, she was officially recognized with a Congressional Commendation for her accomplishments in the field of financial literacy from the U.S. House of Representatives.  She now focuses on her life's work of financial education and following her dream of creating a financially literate society. She is a life-long learner and is currently pursuing her master's degree in Personal Financial Planning and Financial Therapy. Jackie is going to share with us the impact that always trying to run from poverty had on her life and what she did after the pivotal moment of deciding she never wanted to feel financially ignorant again. Her poverty to millionaire story is so encouraging because it's one that anyone can relate to. Her story will help break down the barriers you have to believing it's possible for you to become a millionaire and retire early too.  In This Episode We Discuss: The impact that growing up in poverty had on her life  How joining an investment club was one of her first steps to increasing her financial literacy How to complete a net worth statement and why you need to know your net worth The importance of understanding how compound growth works and why you need to get started now  Organizing your finances to live within your means and why it's not about hitting a 6-figure salary The importance of prioritizing work-life as a single mom  Understanding how investments can lower your tax liability How to determine how much you need to save for retirement Why financial freedom is about more than just money The importance of creating the habit of saving and investing even if you have to start small The one thing she did to hit millionaire status that a lot of people are afraid to do You can learn more about Jackie and connect with her on social media through linktree.com/moneyletters  If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

In this season's final episode, Akeiva has a conversation with Jackie Cummings Koski, HSAe, CEPF®. Jackie is a financial literacy advocate and the author of "Money Letters 2 my Daughter," which was awarded the "Excellence in Financial Literacy Education" (EIFLE) Award. Jackie shares her story about growing up with limited financial means and learning her way to financial independence after her divorce by investing in the stock market. She also touches on the role communities play in building and managing wealth and the value of educating and helping people early in their wealth-building journey. Connect with Jackie:LinkedIn: https://www.linkedin.com/in/jackiecummingskoskiInstagram: @finomenal_womanConnect with Ballentine Partners:Website: www.ballentinepartners.comE-mail: info@ballentinepartners.comLinkedIn: https://www.linkedin.com/company/ballentine-partners-llc/

For some who were born with a golden spoon in their mouth, money isn't a problem. But for most of us who have experienced poverty and lived a challenging life, money is something we value.With that being said, retirement planning is critical, and gaining knowledge and perspective on its advantages will greatly help you in the long run. This episode is a story of hope, perseverance, and a testament that with knowledge we can change our circumstances.The Dreamers,  joining us on the podcast this week is Jackie Cummings Koski, a Certified Personal Finance Educator and the author of the book “Money Letters 2 my Daughter.” Jackie talks about investing, retirement and financial planning, her investment strategy, and how to determine your F.I.R.E. number.Jackie is proof that you can rewrite your story and change the outcome of your life after going through trials as long as you don't give up. You can begin investing at any time, but it is most effective if you start it as early as now. If you enjoyed today's episode, here's what you can do to support me and help more Dreamers discover the podcast:Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify |  iHeart Radio | Amazon Music | Listen Notes |Share the podcast with your family, friends, and co-workers.Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.Other Resources Mentioned:Many Letters 2 My Daughter by Jackie CummingsFire MovementCredit Karma AppMellody Hobson TED TalkMore about the Guest:Jackie Cummings Koski is a Certified Educator in Personal Finance (CEPF®), and the author of the book, “Money Letters 2 my Daughter”, which was the 2013 winner of Excellence in Financial Literacy Education (EIFLE) Award for Adult's Book of the Year, Money Management. Connect with Jackie:InstagramLinkedInFacebookConnect with Anne-Lyse:Website InstagramInstagram (Personal) 

#MyInvestingStory showcases the Investing Story of Successful Long-term Investors, who are everyday people. Ann and Ionnie McNeill, are both Lifetime Members and Volunteers of BetterInvesting, a non-profit focused on Investment Education for Individuals and Investment Clubs. Each week we interview a Special Guest, shining light on their investing story, lessons learned, words of wisdom and resources to aid you in starting your investing journey. Dan Harter has been a member of BetterInvesting since April 2000 and an active volunteer since January 2001. Dan started volunteering with the Inland Empire Chapter while living in Washington state and continues with the North Florida Chapter since relocating to Florida. Dan is the VP of Education and Training for the North Florida Chapter. He has a passion for educating, which he also does with the Eckerd College Osher Lifelong Learning Institute, where he teaches technology-related subjects. Dan is also a longtime volunteer with the American Red Cross. When not volunteering, Dan provides onsite computer repair for individuals and small businesses. -- After overcoming poverty, divorce, and single motherhood, Jackie still managed to retire early (in her 40s) to follow her dream of creating a financial-literate society. Jackie is a Certified Educator in Personal Finance (CEPF®), and author of the book, “Money Letters 2 my Daughter”, which was the 2013 winner of Excellence in Financial Literacy Education (EIFLE) Award for Adult's Book of the Year, Money Management. Jackie has served on the Ohio/Kentucky/Indiana Chapter Board of Directors for the past 10 years and recently joined the National BetterInvesting Board. Connect With Jackie Resources Mentioned -- If you're looking for a BetterInvesting Chapter near you, check out our community at https://bit.ly/BILocalChapters or visit us at BetterInvesting South Florida Chapter Take the info from the podcast to the next level by becoming a BetterInvesting Member and joining us at our next Educational Event Grab a copy of “The Baby Billionaire's Guide to Investing: Building Wealth at an Early Age” If you have questions about the podcast or any of the programs we discuss here, email us at abetterinvesting@gmail.com Want your child or a youth you know to participate in the Summer Stock Market game? Email your interest at abetterinvesting@gmail.com The hashtag for the podcast is #MyInvestingStory Make sure to follow us on Social Media: Facebook: @BetterInvestingSFL Instagram: @BetterInvestingSFL Linkedin: @BetterInvestingSouthFlorida Twitter: @BI_SEFL

#MyInvestingStory showcases the Investing Story of Successful Long-term Investors, who are everyday people. Ann and Ionnie McNeill, are both Lifetime Members and Volunteers of BetterInvesting, a non-profit focused on Investment Education for Individuals and Investment Clubs. Each week we interview a Special Guest, shining light on their investing story, lessons learned, words of wisdom and resources to aid you in starting your investing journey. After overcoming poverty, divorce, and single motherhood, Jackie still managed to retire early (in her 40s) to follow her dream of creating a financial-literate society. Jackie is a Certified Educator in Personal Finance (CEPF®), and author of the book, “Money Letters 2 my Daughter”, which was the 2013 winner of Excellence in Financial Literacy Education (EIFLE) Award for Adult's Book of the Year, Money Management. Jackie has served on the Ohio/Kentucky/Indiana Chapter Board of Directors for the past 10 years and recently joined the National BetterInvesting Board. Connect With Jackie Resources Mentioned -- If you're looking for a BetterInvesting Chapter near you, check out our community at https://bit.ly/BILocalChapters or visit us at BetterInvesting South Florida Chapter Take the info from the podcast to the next level by becoming a BetterInvesting Member and joining us at our next Educational Event Grab a copy of “The Baby Billionaire's Guide to Investing: Building Wealth at an Early Age” If you have questions about the podcast or any of the programs we discuss here, email us at abetterinvesting@gmail.com Want your child or a youth you know to participate in the Summer Stock Market game? Email your interest at abetterinvesting@gmail.com The hashtag for the podcast is #MyInvestingStory Make sure to follow us on Social Media: Facebook: @BetterInvestingSFL Instagram: @BetterInvestingSFL Linkedin: @BetterInvestingSouthFlorida Twitter: @BI_SEFL

Two teachers, a custodian, and a personal finance writer share how they successfully retired in this April 15, 2021 403bwise Event. Money Letters 2 My Daughter Late Bloomer Wealth 403bwise Events Meridian Wealth Management 403bwise.org The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. Full disclosure

After overcoming poverty, divorce, and single motherhood, Jackie Cummings Koski still reached FIRE in her 40s, making less than six figures. She retired from her corporate job on December 6, 2019, decades before others told her she could, to follow her dream of creating a financial-literate society. In 2015, her commitment to educating and empowering Americans in the area of personal finance earned the attention of our nation’s policymakers. She was officially recognized with a Congressional Commendation for her accomplishments and excellent work in the field of financial literacy from the U.S. House of Representatives. Jackie is a Certified Educator in Personal Finance (CEPF®), and author of the book, “Money Letters 2 my Daughter”Please join me here, and follow me on social media, Instagram and Facebook. Join the Nurses on Fire Community and get access to resources to guide you on the path to Financial Freedom.Oh and please subscribe and leave a review on whatever app you're using to stream this podcast. Links mentioned:Jacki’s MarketWatch “FIRE Starter” Video EconoMe Talk- Unveiling my Real Numbers Behind “FIREing”Book “Money Letters 2 My Daughter”Stock Investment Clubs Affiliates:Student Loan PlannerBlooomStay connected:Join the NOF Facebook groupTo read the full show notes, visit www.nursesonfirepodcast.com/nofHow to share a podcastHow to subscribe, rate and review a podcastTo learn more about the giveaway, click here

A millionaire mom and retired before 50, Jackie Cummings Koski, is on this week’s podcast episode sharing her path to financial freedom. She went from poverty to wealth and learned a lot about investing along the way.   Throughout most of her career, Jackie made less than six-figures a year. She prioritized saving and investing and reached her financial independence number three years before planned. Jackie created a resilient investment portfolio that continued to grow even in uncertain times like today. In this podcast episode, Jackie shares her tips about how to keep calm and survive the current market turmoil. In this episode you’ll learn: What is financial independence (FI) and how to calculate your FI number Different ways to learn about investing so you can invest with confidence How to reduce your taxable income The first place where you can start investing What is a Health Savings Account (HSA) and how to use it The best times to double down in the market, and more  Check out today’s sponsor of the podcast Empower. Save more with Empower plus get $5 when you use the code JOURNEY at sign up. Other related blog posts/links mentioned in this episode: Jackie was on Episode 40. Take a listen and learn about the Health Savings Account, the ultimate investment, and retirement account. Want to know how compound interest works? Check out this compound interest calculator. Check out Jackie’s book, Money Letters 2 My Daughter. Her book about money and personal finances includes easy to understand advice and guidance on some of the most important financial issues consumers face today. Get the Free Journeyer Jump Start Guide here Check out the other tools that help me with my finances and business here. Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. Connect with Jackie: Website Instagram: @FInomenal_Woman Twitter: @MoneyLetters2 Facebook: @Jackie.CummingsKoski Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Join The Money Launch Club  Jumpstart Guide

Jackie Cummings Koski shares her story of a single mom that made FIRE a reality. She proves that there is no one way to achieve FI. The goal can be accomplished by people from all walks of life and Jackie offers a unique perspective of FI. For more information, visit the show notes at https://choosefi.com/161

Jackie Cummings Koski, author of Money Letters 2 My Daughter, a book of financial wisdom written for her then high school aged daughter. Jackie will soon retire from a corporate job to focus on her passion: spreading financial literacy. We talk about her book, how she achieved F.I.R.E. (Financially Independent Retire Early), and her future plans around teaching personal finance.   Resources: Money Letters 2 My Daughter 403bwise.org Meridian Wealth Management 403bwise.org Facebook Group

Jackie Cummings Koski author of Money Letters 2 My Daughter is preparing to retire early to pursue her dream of teaching financial literacy. Jackie explains how the iconic $2 bill kick started her savings habit which eventually helped her achieve Financial Independence. In our beer segment Jackie describes how she chose Sam Adams White Christmas from a field of four contenders. Since Roy and I could not find White Christmas where we are, we had Jackie take us through the tasting process.  And before we wrapped up we had a little surprise for her. From K 9 studios in Phoenix AZ welcome to the retire hoppy podcast with Ted Carr and Roy Weinberg.

Connections I love being able to find a connection with the story of every person that we have on our podcast.  This week though, I felt a special connection to our graceful guest, Jackie Cummings Koski. Her story of being a single mother, the details she shared about the awakening that took place after her divorce and the absolute success path she’s experience since making up her mind to change her environment resonates deeply with me.   Not only does she share her story with empathy and honesty, but her experience gives new color and depth to this ongoing discussion about Privileged Frugality versus Choice-less Frugality.  She has experienced both on her journey towards Financial Independence. About Jackie Jacki Cummings Koski holds the designation of CEPF (Certified Educator in Personal Finance), she is a Financial Literacy Advocate and she is award winning author. She is known for writing the Award Winning book Money Letters to My Daughter. Jackie is very active in the House of FI community, as well as the ChooseFI community, and we are all better for her insight and thoughtful participation.   In addition to all of the wonderful work she does for the personal finance community, Jackie is one of our only guests that has reached Financial Independence. Jackie’s biggest issue now is her hesitation with pulling the retirement trigger!  She is having the dreaded #onemoreyear syndrome! Jackie’s Money Story Jackie Cummings Koski grew up in the Southeastern United States.  She was raised by a single father, as one of 6 children. Her father, a poor factory worker, knew how to stretch a dollar.  He was able to teach her how to live with dignity through mandatory frugality. This experience of growing up impoverished lit a fire within Jackie - who vowed to make more money and to create an environment around herself filled with rich opportunity.   Well, she did it!  She finished college, launched her career, married and had a daughter.   Life was good, until it wasn’t, and Jackie endured a difficult, emotional divorce.   The Impact of the Single Mom Bond Finding ways to connect and bond with your children is priceless.  The most heartwarming thing about Jackie’s story is the depth of the bond she has with her daughter.  It was this bond that led her to writing her award winning book, Money Letters to My Daughter. In the text, Jackie educates her daughter and others about money matters that she faced, and learned from.  In the episode we speak about her daughter’s reception of the book. The Benefits of the Health Savings Accounts Made most famous in the FIRE community by The Mad Fientist, the Health Savings Account, or HSA is known to be THE ULTIMATE retirement savings vehicle for the “low consumer of health services”.  A person that is likely a low consumer of health services is the person that has no medical (physical and mental health) issues that require expensive, repetitive intervention. If you are one of the low consumers of healthcare, the HSA may be for you.  If you use health care often, but can cover the costs of service out of pocket, you should still look into this awesome product. The HSA was introduced in the early 2000’s and it is the only savings vehicle that offers a tax advantage with each contribution, a tax advantaged growth (invested contributions) AND tax free distributions (when you take the money out).   After finding the Mad Fientist, Jackie doubled down on her contributions to her HSA, and currently has over $100,000 in tax free savings!   Listen to the show to hear how she plans to access the money!!   Credit Education As a CEPF, Jackie educates others on how to check credit scores and calculate credit utilization rates, amongst other things. Recently you read this post about filing bankruptcy, Bankruptcy is a real possibility, and managing your credit accounts and utilization rates can go a long way towards to protecting you from accruing overwhelming debt. Money Mistakes To Learn From So, financially independent, retiring early, what has Jackie made mistakes about when it comes to money?  Here’s the short list : Spending 30% of your gross income on a vehicle Making assumptions about financial ideas instead of checking those assumptions at the door Jackie purchased expensive new cars, but teaches us her process for buying cars now Not finding a qualified tax preparer. A provider should ask detailed questions about your situation - not making assumptions about your position.    Answers to the Final Questions Always save something.  This creates a habit that will serve you well for years to come What is Jackie reading right now?  Audiobooks and podcasts. Her favorite podcast right now is one she just hear about Coach George Raveling, who was a bodyguard at the Martin Luther King’s I have a dream speech     Jackie can be reached at moneyletters2.com Other links in this episode: ChooseFI The Mad Fientist Article on HSAs  IRS Publication 969 Health Savings Accounts IRS Publication 502 Medical and Dental Expenses

The Health Savings Account, introduced in the early 2000's, has proved to be the ultimate retirement and investment account–particularly for those on the road to early retirement. Certified Educator in Personal Finance (CEPF®) and Health Saving Account (HSA) expert, Jackie Cummings Koski, joins us on the show to discuss everything from how to obtain an HSA account to how to invest the money that you contribute. As one of 6 children raised by a single father, Jackie knows firsthand what it means to struggle financially. As a result, she made educating herself about finances and investing her personal mission. From the knowledge that she acquired, she wrote her book “Money Letters 2 My Daughter” as a way to educate her then 14-year-old daughter on what it means to be financially savvy. Today, Jackie has grown her HSA account to more than $100,000 as is on track to retire early in her 40's.  In this episode we discuss: The definition and benefits of the Health Savings Account (HSA) How to enroll in an insurance plan with an HSA Things to consider when enrolling in an insurance plan When to consider enrolling in a traditional plan vs. a high-deductible plan Annual contribution guidelines How and when to access the money within your HSA Shopping around for the right provider Inheritance of an HSA account The expenses that you can use HSA money for (qualifying reimbursements) Jackie’s early retirement plan At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. (YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)   Other related blog posts/links mentioned in this episode: Jackie's book "Money Letters 2 My Daughter" IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans IRS Publication 502, Medical and Dental Expenses Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Vicki on: Moneyletters2.com Facebook Twitter Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

How do you talk with teens about money? Jackie Cummings Koski decided to do it through a series of letters to her daughter which she then turned into a book, Money Letters 2 My Daughter. In this interview, I talk with Jackie about how to have conversations with your children about money to help them avoid financial pitfalls. Among the topics we discuss: how to help them learn through (positive) experiences and what to do when friends and family ask to borrow money. This episode aired live January 5, 2013.