Podcasts about Money Talk

Episode 196: Smart Money Moves for Family Vacations with Skyler Fleming For most families, the biggest obstacle to taking that dream trip isn't time—it's money. The good news? With a little planning and some smart financial strategies, you can make vacations happen without draining your savings or piling on debt. In this episode, Rob talks with Skyler Fleming, Certified Financial Planner and host of the Money Talks podcast. Skyler shares practical tips to help families budget, save, and plan so travel dreams can become travel memories. From avoiding credit card traps to involving kids in the budgeting process, this conversation is packed with actionable advice for making travel financially doable—and fun. What You'll Learn in This Episode: Why “splurging comfortably” is possible with the right budgetThe first steps families should take when creating a vacation budgetCommon costs families forget to plan for (and how to avoid surprise expenses)How far in advance you should start saving for a big tripSimple savings strategies that won't eat into everyday essentialsThe truth about credit card rewards—and how to use them wiselyFun ways to involve kids in vacation budgeting and decision-makingWhy planning ahead reduces pressure and makes vacations more enjoyable About Our Guest Skyler Fleming is a Certified Financial Planner and the host of the Money Talks podcast, where he helps people build strong money habits. His practical, down-to-earth approach helps families think differently about budgeting and saving so they can enjoy life—and travel—without financial stress. Learn more at MoneyTalk.show. Resources & Links Visit Skyler's website: MoneyTalk.showListen to the Money Talks podcast on your favorite platformFollow The Family Vacationer on Instagram and Substack Don't Miss Rob's upcoming book, The Family Vacationer: A Parent's Guide to Meaningful Travel, is on the way! Filled with stories and tips to help you make your trips more meaningful, it's coming soon—stay tuned for details.

We can all agree that we are in the midst of a challenging housing market, but it may surprise you to learn that the cost of a median priced home in ounces of gold today is the same as it was back in 2008. Donna and Nathan discuss how looking at the big economic picture can reframe our understanding of the real condition of a particular financial market. Also on MoneyTalk, how restricted stock units work, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 10/7/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Ever wonder what a financial advisor really tells you? In this candid episode, we pull back the curtain on our recent meeting with an independent financial advisor. We're sharing the surprising truths we learned, the validation we received, and the exact steps we're taking to strengthen our financial future. This isn't about complex theories; it's a real-life look at how an outside perspective can illuminate your path and empower you to move forward with confidence. We discovered that while we are doing very well and are on track with our goals, there were crucial blind spots we had completely missed. If you've been curious about working with a professional or just want to see how a real financial plan gets refined, this episode is for you.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

For early baby boomers, the transfer of wealth to the next generation typically took place at death, but today we are seeing far more retirees beginning to transfer their wealth while still living, which can require a more complex level of estate planning. Donna discusses estate planning considerations for those looking to begin the wealth transfer process early. Also on MoneyTalk, the benefits of a trust in estate planning, and mistakes investors make when times are good. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 10/6/2025; Original Air Dates: 7/10/2023, 4/22/2024 & 8/4/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

After the tax breaks built into the One Big Beautiful Bill, it is estimated that 42% of Americans will pay zero income tax, and if you were wondering how that could be possible, you're not alone! Donna and Nathan walk us through five different scenarios of households that would end up paying no income taxes under the current tax system. Also on MoneyTalk, the push for financial literacy in schools, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 10/2/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Many work with therapists to improve their relationships or understand their motivations, but few of us take the time to look inward and discover why we handle our finances the way that we do. Nathan offers insights from Richard Thaler on why we are so inconsistent with how we think about money, and from Steve Buckholder on how to get out of your own way when approaching your financial goals. Also on MoneyTalk, the differences between IRAs and non-retirement accounts, and the Big Three stock indices. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 10/3/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Kyle Tetting, Mike Hoelzl and John Sandstrom offer investors insights on the government shutdown and other developments.

Inheriting money from your spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit more murky. Donna and Nathan discuss the process of distributing assets from a non-spousal inheritance, and the tax implications of getting it wrong. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. —Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features, and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks, and how the variables are calculated. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/30/2025; Original Air Date: 7/1/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

The 401(k) savings rate has finally reached 15%, the level experts say is required for the average worker to retire comfortably when they reach retirement age. Donna discusses the economic factors, policy changes and product innovations that have contributed to the closing of the retirement savings gap. Also on MoneyTalk, the 8 year window for claiming social security, and what to do with your old 401(k). Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 9/29/2025; Original Air Dates: 8/26/2024, 6/23/2025 & 6/30/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

ETFs have grown in popularity over the years, with nearly half of US investors holding them in their portfolios, but many don't understand exactly how ETFs work or what makes them different from mutual funds. Donna and Nathan discuss ETF mechanics, and debunk some common myths. Also on MoneyTalk, different types of life insurance products and who they are appropriate for, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/25/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Jason Jacques, the interim Parliamentary Budget Officer, says federal government spending is becoming unsustainable, as the deficit is projected to increase by nearly $17 billion for 2025-2026. On today's show: Ahead of the National Day for Truth and Reconciliation, Vassy speaks with Algonquin Elder Claudette Commanda, and delves into her personal journey. Money Talk with Allan Small: How does Bitcoin investing work? The Daily Debrief Panel - featuring Tim Powers, George Soule, and Sabrina Grover. A group of 50 environmental organizations is calling on Prime Minister Carney to do more on climate finance. This follows the 10th anniversary of his 'Tragedy of the Horizon' speech.

We've made real progress in talking openly about menopause, women's health, and how to live longer, healthier lives. But there's still one topic too many women shy away from in midlife: money. For a lot of us, conversations about finances were considered impolite, unfeminine, or just not our responsibility. Add in the realities of divorce, career changes, caregiving, or years of putting everyone else first, and it's no wonder so many women hit midlife feeling financially unprepared or even ashamed. But what if shifting the way we think and talk about money could actually be the most empowering move we make? On this episode of Beauty is a Bitch, I'm joined by Amanda Barclay, Senior Financial Advisor and Senior Vice President with Merrill, A Bank of America Company. She's not only one of Forbes' “Top Women Wealth Advisors Best-in-State” in 2024 & 2025, but she's also deeply passionate about helping women take control of their financial futures. Together, we're digging into the money conversations we need to be having — with ourselves, our friends, our partners and even our kids. We'll explore questions like: How can we make finances a regular, unapologetic part of our midlife conversations? What steps should women take to prepare for the unexpected — whether it's divorce, illness or time away from the workforce? And what money mistakes do women make most often, and how can we avoid them? Amanda also shares her perspective on building confidence, narrowing the wealth gap, and why financial independence is about so much more than numbers. This episode is all about giving you the tools and mindset shifts to feel secure, confident, and powerful with your money. Show Notes: Amanda Barclay Senior Vice President | Wealth Management Senior Financial Advisor Senior Portfolio Advisor The Barclay Group Merrill Lynch Wealth Management 805 Northern Boulevard, Great Neck, NY 11021 (516) 498-3308 Amanda.Barclay@ml.com http://www.fa.ml.com/amanda.barclay Linkedin: https://www.linkedin.com/in/amanda-barclay

Kyle Tetting, Steve Giles and Kendall Bauer discuss the latest financial trends and what they mean for long-term investors.

What are your goals for retirement? What will your retirement expenses look like? Is your retirement income structured to keep up with inflation? These are just a few of the questions you will need to be ready to answer when first meeting with a financial advisor, and for many people, that may be the first time they've even thought about them. Donna and Nathan discuss how to prepare for the retirement planning process with your advisor. Also on MoneyTalk, the critical role of social security to our retirement community, jobs where seniors are still in demand, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/23/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Money Talk 9-21-25 by

As an early investor, the risk of loss is balanced by your expected time in the market, but for those approaching retirement, loss of principle can be a major risk as you begin to draw income from your investments. Donna discusses how sequence of returns risk can play a major role in your ability to meet your retirement goals. Also, on MoneyTalk, how to decide on the order in which to take distributions from your retirement accounts. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 9/22/2025; Original Air Date: 7/24/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

We're kicking off Season 5 with one of Anne and Anne's most important podcast topics—women and money! Grit & Gravitas is live in the Members 1st podcast studio welcoming Jacinda Webber and Kim Houck, Wealth Advisors, Members 1st Investment Services and Wealth Management. Women are expected to receive 70% of the estimated $124 trillion in the next 25 years—the largest transfer of wealth in history. Jacinda and Kim educate us on how to have a conversation about investing, how to feel comfortable talking about money, the importance of starting now, and why it's never too late to take control of your financial future. This season premiere is jam-packed with business vitamins so listen now! 

There is a common misconception that estate planning is exclusively for the wealthy, but many of the legal tools that estate attorneys prepare for their clients are useful for people from all walks of life. Nathan speaks with estate attorney and long time MoneyTalk contributor, Andy Nault, to discuss some estate planning documents that you should consider having in place, how to avoid some common mistakes, and much more. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Andy Nault; Air Date: 9/17/2025; Original Air Date: 6/6/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Half of private sector workers are now contributing to a 401K, showing a much needed head of steam for plan participation at a time when the retirement savings gap poses a major threat to future retirees. Donna and Nathan discuss how new 401K plan features are making it simpler and more attractive for workers to save for retirement. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/18/2025; Original Air Date: 3/31/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Kyle Tetting, Adam Baley and Dave Sandstrom discuss the Fed's long-awaited interest rate cut and what it means to investors.

If you receive 100% of your income from your salary, the manner in which you are taxed is relatively straightforward, but a growing number of Americans today receive income from multiple sources, each of which may be taxes a little differently. Donna and Nathan discuss how your tax liability is calculated on different types of income, including: social security, pensions, dividends and interest, capital gains, retirement accounts, life insurance proceeds, annuities, and real estate sales. Also on MoneyTalk, when to consider a Roth conversion, and how IRRMA impacts Medicare premiums. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/15/2025; Original Air Date: 4/9/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Money Talk 9-14-25 by

Sicherheit UND Rendite? Du kannst beides gleichzeitig haben, wenn du in ETFs investierst. Erfahre in dieser Folge, wie du das Sicherheits-Rendite-Dilemma für dich auflöst. Jetzt anhören.

Buy-now-pay-later has gained popularity throughout the retail space as a way for shoppers to purchase goods that they may not have the cash for, but some fear that this trend is contributing to poor spending habits for a young generation of consumers. Donna and Nathan discuss who profits from BNPL purchases, how credit reporting agencies are changing the way they treat these transactions, and what the trend indicates about our consumption economy. Also on MoneyTalk, how credit scores are calculated, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/11/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

During a bull market, some people hire a financial advisor for the wrong reasons, expecting them to put on a magic show rather than treating investing as a lifelong endeavor to build wealth with patience and prudence. Nathan discusses the important distinction between investing as an enterprise vs investing for entertainment. Also on MoneyTalk, understanding income investing, and the price of time. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/12/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

In this episode, Ashley Marx returns to discuss the evolving real estate market, shifting from last year's low inventory and bidding wars to today's more balanced environment. We explore why higher interest rates don't tell the full story, how seller concessions can save buyers thousands, and why relying on Zillow estimates can create false expectations. We also cover the rise of build-to-rent communities, the truth behind “buyer's market” headlines, and how changing priorities are reshaping both residential and commercial real estate.Beyond property, we dive into habits, productivity systems, and Ashley's journey from entrepreneur to mentor. She shares how structured calendars protect family time, why crossing off tasks matters, and how she's guiding others with proven playbooks. We wrap with her first steps in stock market investing, from choosing individual companies over ETFs to learning patience, when to sell, and how to build long-term wealth. Whether you're a homebuyer, investor, or entrepreneur, this episode delivers practical strategies to align your money with your goals.*This podcast contains general information that may not be suitable for everyone. The information contained herein should not be construed as personalized investment advice. There is no guarantee that the views and opinions expressed in this podcast will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security. Rydar Equities, Inc. does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.  Past performance is no guarantee of future results.

For long-term investors, Kyle Tetting, Tom Pappenfus & Kendall Bauer make sense of the latest financial market developments.

If you were to ask someone to name the most successful investor of our time, 9 times out of 10 you would likely hear the name Warren Buffett. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel cover the meteoric rise of Warren Buffett, and how his clear and principled approach to investing would lead him to become one of the most prolific investors in American history. Also on MoneyTalk, how to face the challenge of retiring in a down market. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa. Air Date: 9/10/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Getting audited by the IRS is something we all have to be ready for, and no one looks forward to, but the typical audit experience can be surprisingly straightforward - if you're prepared. Donna and Nathan talk about common audit triggers, how to communicate effectively with the IRS, and what documents you absolutely need to have ready when your number gets pulled. Also on MoneyTalk, how to define your risk tolerance, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/9/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

We finally got to do it... sit down with Prime Minister Anthony Albanese and ask the money questions that actually matter to you. Not the political theatre ones, but the real-life stuff that keeps you up at night: the weekly food shop, housing that feels out of reach, and childcare costs that just don’t add up. But this wasn’t all serious policy talk. We dug into his own money story, swapped budgeting habits, and even threw him some of our favourite spicy questions; from Trump’s tariffs to his most unpopular money opinion. His answers? Let’s just say they weren’t what we expected. In this ep:

You may have heard of the 4% Rule, which suggests 4% as the maximum sustainable rate of withdrawal from your retirement accounts, but over recent years the goal posts have been shifting, leading some to question the validity of this classic rule of thumb. Donna and Nathan discuss how to determine what rate of withdrawal makes sense based on your current and projected cost of living and the importance of building flexibility into your retirement plan. Also on MoneyTalk, the importance of financial literacy for our society. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/8/2025; Original Air Date: 1/18/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Money Talk 9-7-25 by

After 3+ decades of MoneyTalk, if we haven't sold you on the importance for saving for retirement, then we're really doing something wrong! But just in case you need more convincing, Donna and Nathan offer 10 reasons to save for retirement, including: Social Security likely won't be enough to live on, people are living longer, new 401K features make saving easier than ever, and more. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/4/2025; Original Air Date: 8/11/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Kyle Tetting and Tom Pappenfus cover the latest drama in the financial markets and what it means for long-term investors.

For the past few years we've been adjusting to an unreliable bond market, where alternative approaches to portfolio diversification have become increasingly common. Nathan discusses various categories of liquid alternative investments and how they function differently to achieve portfolio diversification. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/29/2025; Original Air Date: 10/23/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Il y a quelques mois, on me souffle un nom : Chelsea Fagan. Fondatrice du média américain The Financial Diet, 1,3 million d'abonnés sur YouTube, une voix féministe et badass qui parle d'argent avec expertise, humour... et sans bullshit.Quelques heures de rabbit hole plus tard, je la contacte. Elle parle un français parfait. Et grâce à un alignement des astres, on se voit et on enregistre dans la foulée.Dans cet épisode, on parle de ce qui nous obsède des deux côtés de l'Atlantique (avec quelques anglicismes indeed) :L'importance de parler d'argent pour éviter le gaslighting socialLa solitude financière des femmes dans le couple hétéroLe concept du hedonic treadmill (insatisfaction permanente, course à la croissance)La culpabilité maternelle et ses conséquences sur l'argent des femmesLe poids des normes sociales, la charge mentale, les fausses égalitésLe problème des golden handcuffs (enchaînement à un salaire élevé)Pourquoi l'argent doit acheter du temps et pas des objetsL'argent comme squelette invisible de nos viesÉvidemment, on a abordé plein d'autres choses, dont pas mal de guilty pleasures pour ma part, comme les personnages de Sex and the City, le modèle économique mensonger des tradwives. Ah, et on a aussi un peu balancé sur les influenceurs lifestyle et les mariages hors de prix (c'est toujours bien de se découvrir des combats communs).Alors oui, c'est interview de fan. Mais j'avoue, j'ai pris un immense plaisir à discuter avec Chelsea. Et pour la toute première fois, cet épisode de Thune est intégralement filmé et disponible sur YouTube. C'est peut-être un détail pour vous, mais pour nous, c'est le début de quelque chose (de plus ou moins assumé).Bonne écoute !C'est important : vous êtes déjà nombreux.se.s à nous faire un don mensuel sur Tipeee. Il nous manque encore un peu d'argent pour que le podcast puisse continuer en toute indépendance. Si vous trouvez notre projet utile et souhaitez nous soutenir, c'est ici. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Money Talk 8-31-25 by

If your kids are out of the out and off the payroll (paying their own expenses) you have entered an empty nest. Your house is quiet, your schedule is yours, and that freedom feels absolutely intoxicating. But here's the plot twist nobody warned you about: your newfound liberty might be costing you more than you expected. You've entered what financial experts quietly call the "freedom tax" phase of life. While your child-specific expenses have vanished, new spending patterns emerge that can catch even the most prepared parents off guard. Listen in to hear how we are navigating this season and some tips for continuing to manage your money well.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

One of the key features of The One Big Beautiful Bill was a meaningful bump to the amount individuals can deduct from their taxable income, raising the threshold for 0% capital gains. Donna and Nathan discuss which taxpayers will benefit most from this change, and how to factor it into your tax planning. Also on MoneyTalk, lessons from hedge fund manager Stanley Druckenmiller, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/28/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Kyle Tetting, Mike Hoelzl and John Sandstrom make sense of the latest developments for long-term investors.

Many investors favor dividends over growth in hopes of living off those payments in perpetuity, but there are some downsides to dividends that can make this strategy less than optimal in the long-term. Donna and Nathan discuss some of the drawbacks of going all in on dividends at the cost of diversification and growth. Also on MoneyTalk, what many people get wrong about social security, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/26/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Snag Our Simplified Budget System!Hey Budget Besties!We're dusting off one of our favorite convos and bringing it back for you. This replay with our friend Skyler from the Money Talk Podcast is all about the “B word” (nope, not that one — budgets!) and how automation can turn your money from stressful to effortless.We dive deep into what financial automation actually is, why you don't need a zillion apps to make it work, and how to set up a simple bank account system that feels like your personal assistant. From creating separate “spending,” “bills,” and “savings” accounts, to building a month-ahead buffer, to getting those savings buckets growing without lifting a finger — we cover all the steps to put your money on autopilot.You'll hear:Why direct deposit should flow into your Bills Account first (and not your debit card!)How to make automation feel safe when you're not used to trusting your bank accountThe power of multiple accounts for groceries, gas, fun money, and personal spendingWhy having a month's income in reserve is like unlocking Level One of financial independenceThe surprising marriage-saving benefits of separate personal spending accountsHow naming your savings buckets (hello, “Hawaii Trip”!) can keep you from dipping into themWe even tackle the great credit card debate — why we're not fans of using them for everyday spending, and how to transition away from relying on them without feeling deprived.By the end, you'll see why we believe automation is the secret weapon for gaining confidence, clarity, and control over your money — without living in your spreadsheet.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

You may have heard of the 4% Rule, which suggests 4% as the maximum sustainable rate of withdrawal from your retirement accounts, but over recent years the goal posts have been shifting, leading some to question the validity of this classic rule of thumb. Donna offers insights from experts on what rate of withdrawal makes sense based on current and projected cost of living, and the importance of building flexibility into your retirement plan. Also on MoneyTalk, how a surprising new type of scam is turning the model for retail fraud on its head, and when to consider taking social security early. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/25/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Many people use a home equity line of credit for home renovations and unforeseen liquidity needs, but if you are carrying an old balance on your variable rate HELOC, the current high interest rate environment has not been friendly to you. Donna and Nathan discuss options for managing variable rate home equity loan balances, and strategies for paying down other forms of high interest debt. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/21/2025; Original Air Date: 4/4/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Marriage isn't a fairy tale—it's two imperfect people choosing to grow together through all of life's seasons. There will be times when you have to work at liking each other, moments when you need space, and seasons when you have to choose love over feelings. But here's what makes it worth it: you get to build something together that neither of you could create alone. You become witnesses to each other's growth, champions of each other's dreams, and partners in creating a legacy that outlasts your individual lives. Check out this week's episode to hear about the funny ways we've chosen to navigate this journey called love.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

In this episode of the Real Estate Pro Show, host Erika interviews Dr. Lina, a passionate real estate investor and wealth coach. Dr. Lina shares her journey into real estate investing, the tools she uses for property management, and the challenges she faces, including dealing with evictions. She discusses her unique approach to wealth coaching through her platform, Money Talk with Dr. Lina, emphasizing financial literacy and diversification in investments. The conversation also highlights success stories from her community and her aspirations for the future, including transitioning to multi-unit properties and helping others achieve financial freedom.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------