Podcasts about money wisdom

Send us a textWhat does it really mean to be a good steward of your finances as a Christian man?In this episode of The FORGE Truth Podcast, Pete Alwinson and Jayson Quiñones talk with Mike Henderson, a Kingdom Advisor with a powerful story of God's provision through financial trials, career changes, and spiritual awakening. From the bakery at Publix to guiding others in biblical money management, Mike's journey will challenge how you view wealth, generosity, and your role as a provider.Listen in and be encouraged: God doesn't want your money. He wants your heart.

Legacy Beyond Wealth is a new podcast series by Providend that invites you into the heartfelt, often complex conversations behind legacy planning. In this series, we follow the story of Richard and Eva, successful business owners approaching retirement, now faced with tough questions: How can they distribute their assets wisely? How do they protect the legacy they've built? And most importantly, how do they preserve family harmony among their three children?Being a trusted adviser to affluent clients for over two decades, Providend understands that true legacy planning is not just about transferring wealth. It is about passing down values, protecting relationships, and creating peace of mind for the next generation. Through this podcast, you'll get a rare, behind-the-scenes look at real conversations between clients and their adviser.In Episode 2, Richard and Eva return to review the initial estate and legacy plan proposed by their Client Adviser, Chris. The plan is crafted to protect their 68 million dollar estate, safeguard the family business, and ensure fairness among their children. They also raise a new concern: securing support for their elderly parents should anything happen to them.Chris begins by clearly summarising their priorities using a structured planning framework. While the proposed plan initially feels overwhelming, Chris reassures them that legacy planning is a gradual journey. As their trusted adviser, he continues to guide them with empathy and clarity, offering both structure and support every step of the way.At Providend, we believe good legacy planning should preserve not just wealth, but also relationships. It should offer clarity, not confusion. In each episode, you'll hear how a thoughtful, values-based approach can bring peace of mind, not just for the clients, but for generations to come.The voice talents for this episode are Ray and Annette, Client Advisers, voicing Richard and Eva, and our CEO, Christopher, voicing as their Client Adviser at Providend, the first fee only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Music courtesy of ItsWatR.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Legacy Beyond Wealth is a new podcast series by Providend that invites you into the heartfelt, often complex conversations behind legacy planning. In this series, we follow the story of Richard and Eva, successful business owners approaching retirement, now faced with tough questions: How can they distribute their assets wisely? How do they protect the legacy they've built? And most importantly, how do they preserve family harmony among their three children?Being a trusted adviser to affluent clients for over two decades, Providend understands that true legacy planning is not just about transferring wealth. It is about passing down values, protecting relationships, and creating peace of mind for the next generation. Through this podcast, you'll get a rare, behind-the-scenes look at real conversations between clients and their adviser.In Episode 1, Richard and Eva begin their journey. Despite building a $30 million business and $38 million in personal assets, they are unsure how to prepare their children to receive this wealth without conflict. With concerns about succession planning, differing personalities, and ensuring fairness, they turn to Providend for clarity and guidance.As their Client Adviser, Chris listens with empathy and intention, what unfolds is a rich dialogue not just about financial tools, but about values, fears, and hopes. Through their story, listeners will come to understand how legacy planning is less about documents and more about crafting a future that aligns with Richard and Eva's heart and vision for their loved ones.At Providend, we believe good legacy planning should preserve not just wealth, but also relationships. It should offer clarity, not confusion. In each episode, you'll hear how a thoughtful, values-based approach can bring peace of mind, not just for the clients, but for generations to come.The voice talents for this episode are Ray and Annette, Client Advisers, voicing Richard and Eva, and our CEO, Christopher, voicing as their Client Adviser at Providend, the first fee only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Music courtesy of ItsWatR.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

“At 17, my goals were simply to make more money to afford regular meals like chicken rice.”The chairs are switched in this very special episode of The Providend Conversation: Living the Good Life, where we are honoured to have Michelle Martin in conversation with our CEO, Christopher. In this candid chat, he shares his personal life — speaking on money, family, career, parenting, and more.As the leading fee-only wealth advisory firm in Asia, we have always believed that financial planning should begin with life decisions, and not the other way around. This philosophy aligns closely with the definition of the “good life” as described in the book Repacking Your Bags by Richard J. Leider and David A. Shapiro: “living in the place you belong, with people you love, doing the right work, on purpose.”In this episode of The Providend Conversation, we hear from Christopher Tan, CEO of Providend. You may have heard him on the radio, seen him on television, or read his books on professional wealth advisory. But have you ever heard about his personal journey towards money mastery and financial wellness?There is also one fundamental philosophy that Chris strongly aligns with, which also shapes how we advise our clients at Providend: to first make life decisions before making financial decisions.This video is a joint production of iFAST TV and Providend, inspired by Christopher's article “To Live the Good Life, Make Life Decision First Before Wealth Decisions”. This video series is now available as a podcast for those who prefer listening on the go.Music courtesy of ItsWatR.The host of this episode, Michelle Martin, Financial Presenter of Money FM 89.3, will be interviewing Christopher Tan, Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

“I have my wife who is my pillar and rock, and also my little baby who can't say much but at least I can hug him after a long day from work, and I can then say: Okay, the day is good.”As the leading fee-only wealth advisory firm in Asia, we've always advocated for making life decisions before money decisions—especially when it comes to your hard-earned money.In this episode of “The Providend Conversation,” we're delighted to feature Jonathan Teoh, an architect by training and practice who gave up a well-paying job to start a socially conscious enterprise called AN LIVING. The initiative focuses on helping seniors enhance their financial security, aligning with Singapore's vision of becoming a “Nation for All Ages.” AN LIVING's goal is similar to the HDB Lease Buyback Scheme—but designed for private property homeowners with fully paid-up freehold or 999-year leasehold homes.In this interview, we learn more about Jonathan's upbringing, and the support that shaped his strong conviction to help seniors in Singapore enhance their financial security.This video is a joint production of iFAST TV and Providend, inspired by Christopher's article “To Live the Good Life, Make Life Decision First Before Wealth Decisions”. This video series is now available as a podcast for those who prefer listening on the go.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

What really happens when someone passes away—and are you (or your family) prepared to handle it? In this episode of Women's Money Wisdom, Melissa Joy, CFP®, sits down with Rachel Donnelly, founder of Afterlight and author of Late to Your Own Funeral, to unpack the messy, often overwhelming world of death administration.Rachel shares her personal story of becoming executor for both her parents' estates—while working full-time and raising young children—and how that experience inspired her to build a business helping others avoid the same chaos. Together, Melissa and Rachel dive into the real work that goes beyond writing a will: handling assets, updating beneficiaries, navigating probate, and keeping bills paid when no one's watching.They discuss why so many women delay estate planning, the hidden landmines (like untitled assets and digital accounts), and how you can start untangling this intimidating topic with simple, practical steps. The conversation also tackles how to bring up these sensitive issues with family, why “co-anything” can backfire, and how to avoid turning a loved one's legacy into a logistical nightmare.Key Takeaways:Estate planning isn't just about legal documents—it's about full asset management and communication.Women are more likely to delay estate planning, often because they don't know where to start.Probate horror stories highlight why comprehensive planning matters.Digital assets (social media, crypto, email) need to be included in your plan.Choose roles (executor, trustee) carefully—co-roles can create more problems than they solve.Even imperfect action now is better than procrastinating and risking chaos later.Having the tough conversations with family now can save heartache and confusion later.Whether you're starting from scratch or fine-tuning your existing plan, this episode will give you the confidence to take action—because death is inevitable, but an administrative nightmare doesn't have to be.Learn more & connect with Rachel: Website: www.myafterlight.com Instagram: @myafterlight LinkedIn: Rachel Donnelly Book: Late to Your Own FuneralThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Having survived multiple market crises in our investment journey since 2001, we know what works and what won't work.In this week's Money Wisdom episode, co-host Isaac sits down with CEO Christopher Tan to unpack why saying “stay invested” without the right context might actually do investors a disservice.They explore whether it's better to be a pessimist or an optimist during uncertain times like today's ongoing trade tensions, and how to approach the “money equation” — balancing short-term financial planning on the left, with long-term investment decisions on the right.Chris and Isaac also touch on how mental well-being plays a vital role in financial decision-making, especially when markets are volatile. For those nearing retirement, they discuss whether it may be time to approach things differently to protect both your financial future and peace of mind.Tune in to the full episode for a grounded and thoughtful take on navigating uncertainty with clarity, focused on your non-negotiable life goals. You can read Chris' article in The Business Times on this topic here. Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download Investment eBook Today!TBC

Spring is the perfect time for more than just a closet refresh—your finances deserve a reset too!In this practical, action-driven episode of Women's Money Wisdom, Melissa Joy, CFP® shares 20 powerful strategies to reinvigorate your financial life with the same fresh energy that spring cleaning brings to your home.From reviewing your budget in today's uncertain economy to automating savings and tackling debt in a high-interest environment, each suggestion is designed to be practical, manageable, and highly effective. Whether you're ready to revamp your beneficiary designations, audit your insurance coverage, consolidate accounts, or simply schedule regular “money dates,” these steps are all about reducing financial stress and building momentum toward your goals.Melissa draws on real-world client experiences to offer tips that are proven to deliver results—without overwhelming you with complexity. Every recommendation includes ideas for how and when to take action, helping you make meaningful progress without feeling stuck.Key Topics Covered:How to prioritize small financial wins for big impactWhy reviewing your beneficiary designations is crucialThe value of an insurance audit to protect your financial futureSmart ways to tackle debt and manage rising interest ratesThe benefits of automating savings and financial organizationHow to maximize unused loyalty rewardsTips for setting consistent money dates for accountability and partnershipWhy financial spring cleaning is about progress, not perfectionDownload the full checklist mentioned in this episode at pearlplan.com and track your progress as you bring clarity, confidence, and momentum to your financial life.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Welcome to the second episode of our Milestones by Decade mini-series! We're excited to continue this journey with more insightful conversations with our Client Advisers. In each episode, we reflect on the lessons and advice they wish they'd received a decade ago, offering practical tips for navigating key milestones, from your 20s to your 50s.As the leading fee-only wealth advisory firm in Asia, we've had the privilege of guiding clients from all walks of life at different stages for over two decades. In this mini-series, we hope to be able to impact both life and money wisdom to you, to inspire you and help you avoid costly mistakes.In this episode, Amelia chats with Jit Hwee, one of our Client Advisers in his 40s, as he reflects on the mindset shifts that came with time and experience. From chasing success to finding clarity in what truly matters — across career, money, life, and family — Jit Hwee shares it all with his signature wit and humour. If you're in your 30s or know someone who's still figuring things out, this is one episode you won't want to miss.Music courtesy of ItsWatR.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Is now a smart time to buy a home—or just a risky financial move?On this episode of Women's Money Wisdom, host Melissa Joy, CFP® sits down with returning guest and mortgage specialist Erica Powers CMPS®, CDLP®, NMLS#739673. First Merchants Bank is an Equal Housing Lender and a Member FDIC. She unpacks the ever-changing housing market and what it means for your money moves.With over 20 years of experience and certifications in divorce lending and mortgage planning, Erica helps us cut through the confusion about mortgage rates, affordability, and refinancing strategies. Together, Melissa and Erica explore:

“I want to live a more colourful life, I want to experience more of the world, I want to see different aspects of the healthcare industry, and also the world in general.”As the leading fee-only wealth advisory firm in Asia, we have always advocated that when it comes to your hard-earned money, life decisions should come before money decisions.That's exactly what Dr Tang did. Unlike most doctors, he chose a very different career path — and his latest portfolio? Medical concierge and advocacy.In this interview, Dr Tang shared the drivers behind his career and life decisions as well as the way he is helping those in need of tailored medical or healthcare advice.You may find out more about Dr Tang's book, ‘It's Your Life, You Call The Shots' here.This video is a joint production of iFAST TV and Providend, inspired by Christopher's article “To Live the Good Life, Make Life Decision First Before Wealth Decisions”. This video series is now available as a podcast for those who prefer listening on the go.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Is your retirement plan based on outdated assumptions—or real-world trends?In this episode of Women's Money Wisdom, Melissa Joy, CFP®, breaks down how retirement is changing—especially for women and Gen Xers. From unexpected post-retirement spending spikes to the growing trend of phased retirement, Melissa shares insights on what today's retirees really need to be thinking about.You'll hear why traditional assumptions about retirement may no longer apply, how inflation and rising costs are impacting timelines, and why confidence levels vary so dramatically between generations and genders.Whether you're planning decades ahead or approaching retirement soon, this conversation will help you understand the trends, risks, and planning opportunities shaping the future of retirement.Key Topics Covered:Why retirement spending often increases—not decreases—right after leaving the workforceThe impact of inflation and rising living costs on retirement timelinesConfidence disparities across age groups and between men and womenCommonly underestimated costs in retirement—especially healthcareHow phased retirement is changing the traditional retirement modelThe importance of flexible, forward-looking planning strategiesTune in to gain valuable insights on how to build a retirement strategy that's both realistic and resilient—regardless of where you are in your journey.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Being a trusted adviser to our affluent clients for over two decades, legacy planning is about more than just Index-linked Universal Life Policies (ULPs) or wills and trusts.In this week's Money Wisdom episode, our co-host Isaac has a heart-to-heart talk with our CEO, Christopher, on the importance of starting your legacy planning now, instead of waiting until you are older. In fact, what is the difference between estate and legacy planning? How does a 'life decision' that a person made during his lifetime translate into a legacy for his or her family in the form of a legal instrument, such as a trust? And is it ever too late to start? Tune in to this podcast to listen to the full story.You can read Chris' article in The Business Times on this topic here.Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

When it comes to preparing for retirement, most people focus on the obvious goals of saving enough and building an emergency fund. But in this episode of Money Wisdom, Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® explore the deeper, often overlooked financial goals that truly make or break your retirement experience. It's not just about hitting a magic number. It's about assigning purpose to each dollar you've saved. Proper planning goes well beyond investments to include things like tax strategies, income planning, healthcare expenses, gifting, legacy planning, and even how you'll spend your time. If you're wondering what you might be missing as you approach retirement, join us as we answer Here's what we discuss in this episode:

Market volatility can be unsettling—but long-term financial success is rarely built on short-term reactions.In this episode of the Women's Money Wisdom podcast, Melissa Joy, CFP® addresses the emotional and financial challenges that often arise during market downturns. As markets enter bear territory, many investors may feel inclined to make significant changes to their portfolios. Melissa encourages listeners to take a step back and revisit their overall strategy, focusing on long-term planning rather than short-term uncertainty.She discusses general principles and planning considerations that can help investors stay grounded, including the potential benefits of maintaining diversified contributions, reviewing withdrawal strategies, and exploring financial planning opportunities that may arise in volatile environments.This conversation is not a recommendation or a forecast, but a reminder that financial decisions are best made from a place of clarity, not fear.Don't forget to check out the most recent Pearl Planning blog with more on tariffs and current market conditions. View here.Topics Covered:

Welcome to the second episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai alongside Providend's Philosophy of Sufficiency. As trusted advisers to affluent clients for over two decades, we've always advocated that clients prioritise life decisions before financial ones. These life decisions are what we refer to as "Ikigai" decisions. In this episode, our Founder and CEO, Christopher Tan, sits down with Stanley Ng, Founder of Mindful Circle, a not-for-profit social enterprise, and Founder and Managing Director of Sage Capital Management Advisors, a private advisory firm for top management within corporates, banks, and financial institutions. Stanley, also a client of Providend, shares his journey from being law-trained, transitioning into the banking industry, becoming a consultant, and now being involved in the philosophy of mindfulness and the importance of being present in the moment—injecting Ikigai moments even into the most mundane tasks. Listen to the full podcast conversation and share it with a friend. Learn more about Mindful Circle here: https://mindfulcircle.org/ Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan. Find out more about a mindful approach for a calmer investment journey here: https://providend.com/a-mindful-approach-for-a-calmer-investment-journey/Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

“We feel that social media is flooded with a lot of negativity, so we wanted to create a space where we can celebrate the everyday Singaporean and promote positive values.”As the leading fee-only wealth advisory firm in Asia, we have always advocated for our clients to make life decisions before money decisions, when it comes to their hard-earned money.In this episode of “The Providend Conversation,” we are delighted to feature Why Keen, former Creative Director of The Royal Singapore, a man who has touched the hearts of not only those who watched his videos but also the teams who worked alongside him. Throughout his journey—navigating various business ventures and transitioning through different seasons in his career—having a supportive wife has played a crucial role in his development as a creative at heart.This video is a joint production of iFAST TV and Providend, inspired by Christopher's article “To Live the Good Life, Make Life Decision First Before Wealth Decisions”. This video series is now available as a podcast for those who prefer listening on the go.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

Long-term care planning is a significant concern for individuals approaching retirement because it's an expense most people aren't prepared for. Trying to prepare for it with insurance isn't cheap, and people often ask us if it's worth it. In this episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® tackle this pressing issue by answering a listener's question about long-term care insurance and the options available. Here's what we discuss in this episode: 0:00 – Today's question 1:39 – Reason it's expensive 3:39 – Long-term care options 6:48 – Where is long-term care on the priority list? 9:18 – Final thoughts   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai

Welcome to the second episode of our miniseries for Finding Your Ikigai, where we invite a series of guests to explore what it means to live a good life, incorporating the concept of Ikigai and Providend's Philosophy of Sufficiency.Being a trusted adviser to our affluent clients for over two decades, we have always advocated for our clients to first make life decisions before financial decisions. Life decisions are also what we term “Ikigai” decisions.In this episode, our Founder and CEO, Christopher Tan, speaks with Moon Shary, Providend's Group COO & Executive Director, on how she finds her own Ikigai. As a mother of two, she has made intentional trade-offs—turning down a higher-paying job to prioritise her family.A past health scare reshaped her outlook, reminding her to treasure life's small moments. Looking ahead, she continues to explore her Ikigai while planning for the future.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan.Learn more about Moon's story and how she navigated life's unexpected hurdles: https://youtu.be/6I74SzkEOoE?feature=sharedMusic courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Preparing for required minimum distributions (RMDs) can be quite unsettling when you know withdrawals are coming and the IRS will be waiting. In this episode of the Money Wisdom podcast, we're going to answer a question about what you can do from a planning standpoint when large RMDs are coming in retirement.   This situation highlights a common issue: retirees often find themselves in higher tax brackets due to large mandatory withdrawals, reducing their financial flexibility. So what are the strategies you can utilize to manage your tax requirements? Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP will take you through some of the strategies today. Here's what we discuss in this episode: 0:00 – Today's question 1:05 – What to know about RMDs 4:13 – Income planning 8:49 – Tax planning   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai    

Most people see money as a tool, but what if it's also a mirror reflecting your hidden emotional landscape? Join us this week with Diana Chambers, renowned Family Wealth Mentor™. She is committed to helping her clients manage their wealth in emotionally intelligent ways. She has always been a trailblazer. Not only was she the first woman hired into management as a member of the strategic planning team at Redland PLC, a major British company, but she also subsequently became the fundraiser for an educational project in Bosnia during the war and then the team director launching schools of servant leadership in the United States. In these settings and others, Diana reflected on the impact of money on her life, and she is now a trusted confidant to others as they address the challenges and opportunities they and their families face when owning, spending, and allocating their wealth wisely.Whether you're wealthy or working to build resources, this episode offers transformative insights into creating a healthier, more conscious relationship with money. Listen in, and this may guide you through understanding family wealth dynamics, overcoming financial trauma, and developing a more integrated approach to prosperity that honors both personal and collective well-being.In this episode, we cover: Diana's journey from corporate finance to understanding the emotional dimensions of wealthFinancial IQ and Financial EQFeminine Wisdom and MoneyTypes of Trauma and Financial BehaviorsPositive approach to money and importance of giving and receivingDifferent models of charitable giving and trust-based philanthropyIntergenerational communication strategies and steps for having constructive money conversationsThe 9 Lives of WomanLiving TantraHelpful links:Diana Chambers - Author of Money Wisdom Unlocked: Understanding Trauma as a Key to your Financial Behavior. If you have any questions, e-mail diana@dianachambers.comPatrick ConnorThomas HüblAlie Ward of OlogiesYasmeen TurayhiPre-Order The 9 Lives of Woman at The Rosebud Woman (Print) and on Amazon (Digital), Available on April 1, 2024.Find Rosebud Woman on Instagram as @rosebudwoman Hosted on Acast. See acast.com/privacy for more information.

Financial planning is an essential aspect of life, but every family handles their money a little differently. The Money Wisdom podcast tackled a common question: what happens when one spouse handles all financial matters, leaving the other uninformed? This scenario, while common, can create stress and uncertainty for family members, particularly adult children who may be concerned about their parents' financial security. Discover practical strategies to ensure that both partners are informed and prepared, and learn how to involve adult children in these important discussions. Here's what we discuss in this episode: 0:00 – Today's question 1:00 – Couples and finances 2:56 – Keeping planning simple 4:44 – Involvement is key 6:48 – Our clients   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai    

In managing over S$1 billion worth of our clients' assets, there is continuous monitoring in place to ensure that the funds in our portfolios are behaving as we would expect them to, so our clients can reach their life goals reliably, with peace of mind.In this week's Money Wisdom episode, our co-host Isaac talks to our CEO, Christopher, about cryptocurrencies, including Bitcoin, and whether they deserve a spot in your investment portfolio, especially if you already have investments in safer and diversified asset classes. Chris touches on Bitcoin's wild ride of booms and busts over the years, with returns largely shaped by unpredictable news and events. But is there a hidden pattern or hints of reliability in cryptocurrency? Should all investors stay away, or could investing in Bitcoin still be suitable for some? Tune in to this podcast to listen to the full story.You can read Chris' article in The Business Times on this topic here. Also in this podcast episode, Isaac and Chris mentioned an article Isaac had written here, on why winning the lottery does not mean you had made a good 'investment' decision. Stay tuned for our next episode from our miniseries, 'Finding Your Ikigai'!Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download Investment eBook Today!TBC

A health savings account can be an incredibly powerful tool for tax-advantaged savings but not every health plan includes that option. Is it worth switching your plan for one that allows you to contribute to an HSA? In the latest episode of Money Wisdom, Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP®  tackle a listener's question about HSAs and walk you through a few of the things you need to know before you switch plans. With rising health care costs and the complexities of health insurance, understanding HSAs and whether they are the right choice for you is crucial. Here's what we discuss in this episode: 0:00 – Today's question 0:53 – What is an HSA? 2:09 – Qualifying for HSA 3:14 – Something to keep in mind 4:22 – Which health plan is right for you? 6:39 – Investing in HSA   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai    

As the leading fee-only wealth advisory firm in Asia, we have always advocated our clients to make life decisions before money decisions, when it comes to their hard-earned money.In this episode of “The Providend Conversation”, we are honoured to have Der Shing and Shao-Ning share their journey from running a business to running a family, with our CEO, Christopher.Der Shing and Shao-Ning reflect on the pivotal moment when they left a typical corporate career path, to start their first business—JobCentral—and the hard lessons they learned along the way. They also discuss the challenges of having their identities closely tied to the business, and how they navigated that journey of self-discovery.Now, as the founders of AngelCentral, one of the fastest-growing angel investment networks in Singapore and Southeast Asia, they continue to make an impact by supporting startups and aspiring entrepreneurs, while balancing the needs of their four growing sons.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially. This video is a joint production of iFAST TV and Providend, inspired by Christopher's article “To Live the Good Life, Make Life Decision First Before Wealth Decisions”. This video series is now available as a podcast for those who prefer listening on the go.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

Most people want to know how they stack up to other people as they approach retirement, which is why people often ask about the average age most people decide to retire. We work with people across different states and regions, so we see a range of ages. In the latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® share their personal experiences from the planning process and explain why comparisons don't provide the right perspective for retirement. Here's what we discuss in this episode: 0:00 – Today's question 1:05 – Boston clients 2:10 – Connecticut clients 3:17 – Different ages that matter 6:00 – Managing this period of life   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai    

Welcome to the first episode of our Milestones by Decade mini-series! We're thrilled to kick off this series, diving into insightful conversations with our Client Advisers. In each episode, we'll reflect on the lessons and advice they wish they'd received a decade ago, offering practical tips for navigating key milestones, from your 20s to your 50s.As the leading fee-only wealth advisory firm in Asia, we've had the privilege of guiding clients from all walks of life at different stages for over two decades. In this mini-series, we hope to be able to impact both life and money wisdom to you, to inspire you and help you avoid costly mistakes.In this episode, Amelia sits down with Sean, one of our Associate Advisers in his 30s, to discuss the lessons that can make a big difference in your 20s. Sean shares his insights on career decisions, managing passion vs. wealth, and making intentional choices for what really matters in your life.Sean also reflects on how Providend's Philosophy of Sufficiency can guide your decision-making and how our approach differs from other wealth advisory firms. Do forward this episode to your friends and family who are just starting out in their 20s!Music courtesy of ItsWatR.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

In today's fast-paced world, job security can often feel like a fragile concept, especially for those in their 50s. In this episode of the Money Wisdom podcast with Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP®, address a listener's concern about preparing for potential layoffs and talk about steps to take if you're facing similar uncertainties. Here's what we discuss in this episode: 0:00 – Today's question 1:05 – Initial checklist 2:26 – Why things change in your 50s 4:18 – Changing your saving strategies 5:18 – Retirement planning considerations 7:48 – Final Thoughts   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai    

As the leading fee-only wealth advisory firm in Asia, Providend has consistently guided clients on incorporating CPF into their comprehensive wealth plans.In this week's Money Wisdom episode, our co-host Isaac talks to our CEO, Christopher about the CPF Special Account closure on 19 January 2025, which had an impact on approximately 1.4 million CPF members. Chris highlights the importance of first having clarity on your original intention for your CPF funds, before purchasing financial products solely to grow your CPF funds at a higher interest rate, without first considering your life goals.You can read Chris's article in The Business Times on this topic here.Stay tuned for our next episode, where we kick off our mini-series, "Milestones by Decade"!Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

With more people getting divorced later in life, blended families are common, and it leads to additional conversations involving planning. One of the things that need to be addressed when someone remarries is the estate plan, particularly the beneficiaries. Do you need to make changes or can you just let your will take care of your needs? In this episode of the Money Wisdom podcast with Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP®, we'll answer a question from someone in this position who doesn't want to go through the hassle of updating all their estate documents but wants to change beneficiaries. Here's what we discuss in this episode: 0:00 – Today's question 1:05 – Estate planning conversations 3:06 – Issues with not updating beneficiaries 5:04 – Important conversations   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai        

As the leading fee-only wealth advisory firm in Asia, our wealth management philosophy of making life decisions before money decisions is born out of our experiences managing our clients' hard-earned money for over two decades.In this episode of "The Providend Conversation", we are honoured to have Mr Loo Cheng Chuan share with our CEO, Christopher, on a personal level as he shares more about his relationship with money and his life goals.You may know him as “Mr 1M65” or “Mr CPF”, but who exactly is Loo Cheng Chuan, founder of the 1M65 ($1 Million by 65 Years Old) Movement, who has helped many Singaporeans become millionaires at retirement?Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially. Watch this interview between Mr Loo and Christopher, as our CEO shares five life-changing takeaways while reflecting on the year that just passed: https://youtu.be/-MNgJ0OPOFI?feature=sharedThis video is a joint production of iFAST TV and Providend, inspired by Christopher's article “To Live the Good Life, Make Life Decision First Before Wealth Decisions”. This video series is now available as a podcast for those who prefer listening on the go.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download Investment eBook Today!TBC

A key aspect of planning is finding ways to be as efficient as possible with your money and one great example of that is charitable giving. It's something that many people care a lot about and if we can help them do that with more efficiency, it's a win-win for everyone. That's why this episode of the Money Wisdom podcast with Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP®, is all about donor advised funds and qualified charitable distributions (QCDs). These financial tools are gaining attention for their ability to offer significant tax benefits while enhancing charitable giving and we'll break down what you need to know. Here's what we discuss in this episode: 0:00 – Intro and question 0:42 – Defining donor advised funds 2:00 – When would you use this? 4:54 – QCDs Join us for our next financial workshop to learn about these strategies and more. Text WORKSHOP to 800-757-0436 to reserve your spot today. Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/  Check us out on YouTube: https://bit.ly/3CcAzai    

This marks the first episode of our miniseries for Finding Your Ikigai, and we are really excited to begin this series, as we invite a series of guests to explore what it means to live a good life, incorporating the concept of Ikigai and Providend's Philosophy of Sufficiency.Being a trusted adviser to our affluent clients for over two decades, we have always advocated for our clients to first make life decisions before financial decisions. Life decisions are also what we term "Ikigai" decisions. In this episode, our Founder and CEO, Christopher Tan, interviews his Ikigai Tribe Coach, Nicholas Kemp, on the true meaning behind the concept of Ikigai and what a life worth living is, through the lens of the Japanese. (P.S.: It is not the Ikigai Four-Circle Venn Diagram).Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan.You can find out more about Nicholas and the Ikigai Tribe here: https://ikigaitribe.com/Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

With retirement approaching, many couples are faced with the challenge of aligning their financial goals without the traditional framework of marriage. In the latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® address the challenges and planning needs for couples who aren't married but still want to maintain a shared interest in their financial success. Here's what we discuss in this episode: 0:00 – Intro and question 1:04 – Joint planning 2:37 – Financial benefits of marriage 5:16 – Investment planning   Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/  Check us out on YouTube: https://bit.ly/3CcAzai  

Get more notes at https://podcastnotes.org Top Premium Takeaways Of The Week​​Thomas Sowell on the Myths of Economic Inequality | Uncommon Knowledge with Peter Robinson (2018)​​ ​​ ​​​Results, Not Intentions:​ Poor people, including African Americans in the United States, were living increasingly better lives throughout the 20th century until the government decided to help (through the welfare state)* “Despite the grand myth that black economic progress began or accelerated with the passage of the Civil Rights laws and the ‘War on Poverty' programs of the 1960s, the fact is that the poverty rate among blacks fell from 87% in 1940 to 47% in 1960, but over the next 20 years the poverty rate among blacks fell another 18% points. This was just the continuation of a previous economic trend but at a slower rate of progress. It was not some grand deliverance.” – Thomas Sowell​Affirmative Action Hurts: ​“There's a lot of evidence that there are black kids who have all the qualifications to be successors in college, who nevertheless ...” – Thomas Sowell* Thomas states that black students in the 75th percentile — who would have been successful at a majority of universities — were getting into ...​Smart Idiots Are in Charge: ​“There are so many people, among the intelligentsia especially, who are...”– Thomas Sowell* Human beings have an enormous capacity to rationalize, we become ...​Longevity Protocols, Fat Loss Secrets, & Anti-Aging Tips | Mark Sisson on The Genius Life with Max Lugavere​​The Original Primal Blueprint: ​* Move around a lot and do ...* Lift heavy things at ...* Sprint max-effort ...​The United States of Pharma: ​The average baby boomer takes XX prescription drugs everyday just to get by* About 6.1% take YY+ prescription drugs per day* Can any doctor know how all of these drugs interact with each other?​The 3 Defining Characteristics of Longevity:​ Mobility, ...​Stop Run Maxxing:​ “Running” is not the panacea for health as it has been advertised; in fact, marathon training is ...* Running is not the best way to ...* Today, about 50% of runners get injured at ...​The Fat Runner's Trap: ​If you go for a run as an overweight person, but have not reset your ...​The skinny-fat runner physique:​ Runners who never learned how to ...​The major benefits of walking: ​* Walking, either barefoot or in minimalist shoes, passively trains our ability to support and orchestrate our unique kinetic chain* Walking helps to ...* The majority of cardio exercise should be in Zone 2: the max heart rate in which you burn the most amount of fat without needing to tap glycogen stores for fuel​How to roughly calculate your Zone 2 heart rate:​ Subtract your age from 180​How to know if you are training in Zone 2:​ You can have a conversation with someone while you are doing the activity, but it is a little uncomfortable​The Power of Consistency:​ Mediocre workouts performed consistently are better than “perfect” workouts performed inconsistency​A pre-workout mix:​​ Collagen​,​ LMNT electrolytes​, and​ creatine​* Ingest collagen before a workout so that ...​Book recommendation​:​ Deep Nutrition​ by Catherine Shanahan​ 56 Minutes of Money Wisdom for High-Earning Couples | My First Million​​4 key numbers you need to know in your financial infrastructure:​* Fixed costs (rent, mortgage, groceries, debt, auto): XX% of take-home pay* Investments: XX% (that's where real wealth is created so the higher the better)* Savings (emergency fund, saving for a down payment, or even for a kid's activity or vacation): XX%* Guilt-free spending (eating out, travel): XX%​4 money types:​ avoiders, optimizers, worriers, dreamers* Avoiders (most common): ...* Optimizers: ...* Worriers: ...* Dreamers: ...​The Business of Marriage: ​“When you are married, you are running a business—it is the business of ...​Half of Couples NEVER Talk Money: ​“XXX% of couples who talk to me do not know their household income.” – Ramit​How to address disagreements:​* Define your rich life as a couple: Ask, “What do we ...* Avoid “$3 conversations”: If your household income is ...​Set up a proper account system:​* Use a joint account for ...* Have some money flow into ...* Each partner can spend their allocated money guilt-free on whatever they want, whether it's $5 iced tea or a $20 tip​4 Step Annual Review:​* Step 1: Look through photos from the year. What were your most memorable moments?* Step 2: Ask questions like, ...* Step 3: Review what you loved ...* Step 4: Review the numbers: ...​​Upgrade to Premium to Read the Full Newsletter, Playable Timestamps, AI Powered Answers, Unlock 300+ Premium Posts, No Ads and MORE​​Go PREMIUM​Rick Perry & W. Bryan Hubbard: The Most Sophisticated Medication on the Planet | Joe Rogan Experience (#2251) ​The Magic of Ibogaine: Ibogaine can fully resolve physiological opioid dependence with a single administration for 80% of people the first time, and 97% with a second dose!How ibogaine works: “Ibogaine has this incredible ability to reset the brain's dopamine and serotonin production back to normal levels in 36 to 48 hours” – W. Bryan Hubbard* Abstinence-only has a 7% success rateAre there any risks? There's a serious cardiac risk with ibogaine* It can prolong the QT interval, which means the beats between your heart slow down too much, and it can stop your heart* If it's not administered properly, someone could die* WARNING: Don't try to order ibogaine online or find a random clinic​Safer Ibogaine Analog in Development:​ ​Gilgamesh Pharma​ was awarded a $14M ​grant ​from the NIH-NIDA to develop a novel analog that removes this heart riskibogaine's three key benefits:* Resolves physiological substance dependence quickly* Restores psychological ownership and control over life* Provides a profound spiritual affirmation of purposeIbogaine Has Been Illegal for Decades: “Any system which maintains ibogaine's criminality is in fact criminal and needs to be torn apart brick by brick.” – W. Bryan HubbardNeed Help, Look Here- Reputable clinics like​ Ambio​ and​ Beond​ follow strict safety protocols, including using magnesium to prevent heart issuesStamford Study in Special Forces PTSD: “The results of that study are nothing short of miraculous when it comes to how ibogaine has been revealed to have significant neuro-regenerative properties that impact the human brain with profound implications for conditions for which there are no current effective treatments.” – W.Bryan Hubbard* The average reversal of brain age among these 30 veterans was 1.5 years with some of them seeing a reversal of almost 5 years!The Truth Behind Lots of Chronic Pain: “These ladies had worked lifetimes looking at a dead jobs end and at the time that they had their work accident, it was the straw that broke the camel's back for any hope they had of a future defined by dignity and autonomy and their hope had been broken and that broken hope came through as profound physical pain that was rooted within their spirit.” - Brian HubbardTruth and Justice: He thought the law was about truth and justice, but law school opened his eyes: “Law is often times nothing other than the tyrants will and always so when it is used to produce predetermined manipulated outcomes in the hands of judges who drive results based on their own individual biases, predilections, and preferences.” – W. Bryan HubbardSkyrocketing Disability Numbers in Kentucky: The population grew by 20%, but disability enrollment rose by 249%* Childhood disability enrollment exploded by over 4,000%* Prescription opioid use among adults in the program increased by 210%* Psychotropic drug use among children rose by 68%​ How to Use Exercise to Improve Your Brain's Health, Longevity & Performance | Huberman Lab ​4 things everyone should include in their weekly exercise routine:* (1) Long slow distance (LSD) / zone 2 cardio* (2) High-intensity interval training (HIIT)* (3) Time under tension (TUT) resistance training* (4) Explosive and eccentric control training* BONUS: (5) Do something you don't want to do (both psychologically and physically challenging but safe) to activate the anterior mid-cingulate cortex (AMCC)2 Types of Cardio:* Short-duration, high-intensity efforts: e.g., 30 seconds to 4 minutes of all-out effort, followed by rest* Longer-duration, lower-intensity efforts: e.g., 20-60 minutes at a steady pace, maintaining elevated heart rates2 Types of Resistance Training:* Compound, multi-joint exercises like squats, deadlifts, bench presses, shoulder presses, and dips* Single-joint isolation exercises like single-leg leg extensionsIncreases in autonomic arousal, whether during or after learning, enhance:* How much you learn* Your memory of the details* The persistence of that learning over timeValue of HIIT: HIIT done just before cognitive flexibility tasks significantly improves performance on those tasks, probably because of enhanced arousal and increased cerebral blood flowYou're Not Tired Because You Exercises, You're Tired Because You Didn't Exercise: Next time you feel tired and want to skip a workout, remember: Exercise actually gives you energy through these pathways, boosting focus and mental clarityAdrenal burnout is a myth: People often talk about burning out your adrenals from coffee or excessive exercise. This isn't trueAdrenal insufficiency syndrome is real, but it's not related to exercise or coffee. This is a medical condition that's different from the normal stress-response system of your body3 categories of brain areas communicate with the adrenals to release adrenaline:* Cognitive areas: Involved in thinking and decision-making* Affective areas: Linked to emotions and how you perceive and react to the environment* Motor areas: Control your body movement. These areas in the cerebral cortex send signals to the spinal cord, which then triggers the release of acetylcholine to activate the adrenal medulla​ The Technological Republic – Palantir CEO Alex Karp & Stanley Druckenmiller In Conversation ​Talented people want to be around other talented people: If you are starting a team that already consists of immensely talented people, then other A-players will want to join; this dynamic positively compounds with time and becomes reflexiveThe type of person you want to hire: A truth-seeking, justice-seeking, fairness fanatic, who is justifiably snobby about their intellect (but not because of where they went to school) and who pushes responsibility into their area of expertise and takes over – and who, at the margin, may be unusual and difficultThe moral and ethical conundrums of modern warfare: The West is at technological parity with its adversaries, but not morally; our adversaries are far more willing to send their young men and women to die on the battlefield than we areOn AI Accelerationism – The US military does not have a choice regarding AI accelerationism; its adversaries will not slow down AI progress, and therefore, the game theory is such that the US cannot slow down eitherLaw School Sucks: “I thought of it as moral sophistry in the service of prestige.”Go Woke, Go Broke: “The Valley has realized that you just cannot placate the anti-intellectual left. It will destroy your business.” – Alex Karp* Basic things that most sane believe in are fairness, meritocracy, inputs being even across society, and that the outputs will not be evenly distributed* “Our society is crying for things that work. The instruments of measurement have been corroded everywhere.” – Alex KarpThe Left Broke Everything: People are sick of their border not being a border, their United Nations not being united, their schools not functioning as schools, and their government only taking inflows but not creating productive outflowsAn Essentialism Future: Every institution must clearly define its purpose, be transparent in what it spends to reach its objectives, and measure its output – which should be greater than its input​ Volodymyr Zelenskyy: Ukraine, War, Peace, Putin, Trump, NATO, and Freedom | Lex Fridman Podcast (#456) ​Peace Through Strength: " “I think that we share a position on peace through strength. That is very important. It means that if you are strong, you can speak.” - ZelenskyyTrump can stop this war: “I now see that when I talk about something with Donald Trump, whether we meet in person or we just have a call, all the European leaders always ask, “How was it?” This shows the influence of Donald Trump, and this has never happened before with an American president.” – ZelenskyyNo US, No NATO: If the U.S. left NATO, it would essentially fall apart. The U.S. is critical to NATO's strength and global security. The role America played in World War II shows how much its support matters in conflicts like thisForgiveness? “Russia will have to apologize. This will happen because they are guilty.”– ZelenskyyUkraine's future is with Europe, not Russia: “I think the most important thing is to remain open and not change our direction because culturally aligning with Russia, it's one idea, while aligning with Europe is another. Our people have chosen Europe. It's their choice, it's our choice, the choice of our nation, and I think it's very important.” – Zelenskyy​ Crime and Punishment by Dostoevsky | Philosophize This! with Stephen West (#219) ​​Crime and Punishment by Fyodor Dostoevsky​: A tormented man wrestles with guilt and morality after a desperate act, unraveling a gripping exploration of justice, redemption, and the human soul.“Rational utopianism” – A belief that suggests through utilitarian rational calculations, we can arrive at moral truth and create a utopian socialist system of organizing people that can be perfected if this moral calculus improves over time2 Problems with rational utopianism and Russian nihilism:* (1) Consider how quickly Raskolnikov's perfectly crafted plan resulted in an innocent person getting an axe to the head; and* (2) The rational egoism that often accompanies Russian nihilism magically places Raskolnikov at the center of the decision-maker processRaskolnikov is not an example of Nietzsche's Ubermensch: Instead, he is an example of a very particular kind of nihilism that was gaining popularity in Russia at the time Dostoevsky wrote the bookYou're Not That Special: Dostoevsky was very skeptical of any individual who thought they were special compared to the people around themThe Stories We Tell Ourselves: “It is uniquely possible in this modern world to exist in a way where your whole life never becomes about facing the discomfort of looking at yourself honestly, but about endlessly rationalizing your behavior and then coming up with a story that sounds pretty good about it.” – Stephen WestSave What You Can: The choices that we have to make are not always optimal and they are often dictated by circumstances that are outside of our control; but no matter the circumstances in this sometimes horrible world, there is always at least some personal salvation that is possible in consent and affirmation of our place in a relational networkAccountability: Taking accountability for what you are wrong about is one of the only ways to grow as a person and is one of the most powerful things that you can do in your life Thank you for subscribing. 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Get our Business Monetization Playbook: https://clickhubspot.com/monetization Episode 665: Sam Parr ( https://x.com/theSamParr ) talks to Ramit Sethi ( https://x.com/ramit ) about money rules for couples in their 30s and 40s.  — Show Notes:  (0:00) 5 rules for money in your relationship (5:25) the 4 money types: avoider, optimizer, worriers, dreamers (10:15) The Annual Review (23:00) Monthly money meetings (26:00) There is no "money person" (31:09) 4 benchmarks for high-earning couples (35:03) Learning to spend (41:01) Investments vs purchases (43:39) Troubleshooting partnership disagreements (49:00) Spending to solve problems (53:00) Fight for simplicity — Links: • Money for Couples - http://iwt.com/moneyforcouples • Ramit on YouTube - https://www.youtube.com/@ramitsethi — Check Out Shaan's Stuff: Need to hire? You should use the same service Shaan uses to hire developers, designers, & Virtual Assistants → it's called Shepherd (tell ‘em Shaan sent you): https://bit.ly/SupportShepherd — Check Out Sam's Stuff: • Hampton - https://www.joinhampton.com/ • Ideation Bootcamp - https://www.ideationbootcamp.co/ • Copy That - https://copythat.com • Hampton Wealth Survey - https://joinhampton.com/wealth • Sam's List - http://samslist.co/ My First Million is a HubSpot Original Podcast // Brought to you by The HubSpot Podcast Network // Production by Arie Desormeaux // Editing by Ezra Bakker Trupiano

Welcome to the first episode of Providend's Money Wisdom Podcast Season 4! We hope everyone is looking forward to what we have in store for you this year.As the leading fee-only wealth advisory firm in Asia, we have been guiding our clients for over two decades, encouraging them to make life decisions first, before money decisions. For this season, we will have various mini-series covering topics such as Finding Your Ikigai, Legacy Beyond Wealth, Milestones by Decade, and our classic favourite, The Brain Behind, where we interview Chris about his Business Times' articles.At Providend, we believe that wisdom with money isn't about maximising returns. Rather, it is about understanding your ikigai goals and making wise financial decisions to support them. That's the essence of money wisdom. This is why we have decided to focus on these mini-series topics, to support you on your journey towards living a good life. Do look forward to these podcast episodes in the weeks to come!Music courtesy of ItsWatR.The three hosts of this episode are Christopher Tan, Chief Executive Officer, Isaac Ong, Client Adviser, and Amelia Wong, Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here. If you are keen to dive into the specific mini-series episodes, you may do so here:The Story of Our Clients' Wealth Journey: This mini-series delves into the wealth management journeys of our clients.The Brain Behind: Christopher Tan, our CEO and regular contributor to The Business Times' Money Wisdom column, will discuss the thoughts and insights behind selected articles.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Grab Your Very Own Money Wisdom Book Today!Some longtime listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book titled Money Wisdom: Simple Truths for Financial Wellness. If you are interested in getting your very own signed copy, please check out the link here: https://providend.com/publications/

Are you constantly comparing your retirement savings to those of your peers? If so, you're not alone. Many people find themselves trapped in the cycle of comparison, wondering if they measure up to others. In the latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® tackle this common concern and explain why comparison can be detrimental to your financial health. Here's what we discuss in this episode: 0:00 – Intro 1:02 – How do you quantify this? 2:32 – Every situation is different 3:45 – What really matters 6:55 – Planning   Learn more about our financial workshops: https://johnsonbrunetti.com/financial-workshops/ Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/ Check us out on YouTube: https://bit.ly/3CcAzai

Fortnightly on Mondays at 8am, Providend's Money Wisdom will share how you can gain clarity in your own “ikigai decisions” and make wise financial choices to support them. That, to us, is the essence of money wisdom and what we want you to take away from listening to our podcast.Also available in video format on our YouTube channel fortnightly on Thursdays at 8pm.An original podcast produced by Providend Ltd.Do you have any feedback or questions? Reach out to us at communications@providend.comMusic courtesy of ItsWatR.

Having survived multiple market crises in our investment journey since 2001, we know what works and what won't work.In this week's Money Wisdom episode, Amelia from the Brand Experience Team talks to Isaac, our Client Adviser, about why a good outcome from your investments may not mean you had made a good decision to begin with. They also discuss why it is so difficult for clients to let go of overly concentrated stock portfolios, even when the risks are clear.Isaac shares how, at Providend, we first prioritise understanding our clients' life goals and major milestones before focusing on how much investment returns needed to meet those goals.You can read Isaac's article on this topic here: Why a Good Outcome Doesn't Always Mean You Made a Good DecisionStay tuned for our next podcast episode, which will also the first episode of the new year! Music courtesy of ItsWatR.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Grab Your Very Own Money Wisdom Book Today!Some longtime listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book titled Money Wisdom: Simple Truths for Financial Wellness. If you are interested in getting your very own signed copy, please check out the link here: https://providend.com/publications/

Estate planning can be difficult enough on its own but what happens when you're hesitant to leave behind a large sum to a child who might be lacking financial responsibility. This challenge is the focus of the latest episode of the Money Wisdom podcast with Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP®. They tackle a common concern shared by many parents: ensuring their wealth is managed wisely after they're gone. Here's what we discuss in this episode: 0:00 – Intro and question 0:47 – Common situation for families 2:06 – Types of accounts matter 4:50 – Ways to lower taxes 6:01 – Will vs trust 9:04 – Next steps   Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/  Check us out on YouTube: https://bit.ly/3CcAzai    

The reality of taxes in retirement starts to become more evident the closer you get, and it's not uncommon for people to wish they had contributed more to a Roth while they were saving. Having those tax-free withdrawals in retirement is wonderful, so what can you do if you find yourself in this position? That's the question we're going to tackle in our latest Money Wisdom question series. Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® will break down the Roth conversion and discuss the factors you need to weigh before deciding to convert any money. With it being the end of the year, this is the perfect time to be having this conversation.    If you want to learn more about tax planning strategies, make sure you get a copy of  the "Are You Paying Too Much in Taxes in Retirement?" booklet. Text the word OFFER to 800-757-0436 to get a complimentary copy. This guide can help retirees assess their tax situation and explore strategies to optimize their savings. Here's what we discuss in this episode: 0:00 – Intro 0:54 – Today's question 1:39 – What is a Roth conversion? 2:57 – How to get money into a Roth 4:34 – Main consideration   Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/  Check us out on YouTube: https://bit.ly/3CcAzai    

As Asia's leading fee-only wealth advisory firm, we are honoured to feature Dr Peng Chen, our Senior Advisor and Director at Providend, in this special podcast episode. Dr Peng is the co-inventor of the Ibbotson-Chen model – a data-focused approach that breaks down the components contributing to equity market returns and uses them to estimate forward-looking expected returns. This model earned the prestigious Graham and Dodd Award of Excellence.In this week's Money Wisdom episode, Chris chats with Dr Peng, recounting their first meeting in 2014 and exploring how Dr Peng and Providend played a pivotal role in bringing Dimensional funds to Singaporean investors.Stay tuned for our next podcast episode, where Amelia from our Brand Experience team will be having a discussion with Chris about his article in The Business Times. Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribeDownload Investment eBook Today!TBC

Investors will often use target date funds in a retirement account because they're easy to use and align with the goal of retiring at a certain time. Is it really that simple or can you find alternatives that will provide better results for what you want to accomplish?   In the latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® take on another listener's question about the effectiveness of target date funds for retirement planning. As retirement approaches, many individuals are faced with the decision of whether to invest in these funds or move that money somewhere else. For those interested in learning more about 401k strategies and retirement planning, we strongly suggest picking up the "Ultimate 401k Guide" by Eric Hogarth, CFP®. This guide offers insights into how 401ks work and provides practical advice for optimizing retirement savings and all you have to do is text GUIDE to 800-757-0436. Here's what we discuss in this episode: 0:00 – Today's question 1:23 – Investment goals 2:52 – What target date funds do 5:55 – 401k accounts 8:05 – Retirement account types Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/ Check us out on YouTube: https://bit.ly/3CcAzai

Life insurance has a clear role within a financial plan, but is it worth keeping a policy once you've reached retirement and don't have as much of a need for income replacement? In the latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® tackle a listener's question about the necessity of life insurance in retirement. We'll work through the complexities of life insurance policies and discuss the considerations that could help you make informed decisions about your policy. Want a copy of The Money Map? Text MAP to 800-757-0436 to get one. Here's what we discuss in this episode: 0:00 – Intro 0:50 – Today's question 2:00 – The need for life insurance 4:35 – Types of insurance 6:40 – Considerations 9:09 – Aligning your planning Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/ Check us out on YouTube: https://bit.ly/3CcAzai

Being a trusted adviser to our affluent clients for over two decades, our wealth management philosophy—making life decisions before money decisions—is rooted in our experience of managing over S$1 billion worth of our clients' hard-earned assets.In this week's Money Wisdom episode, our co-host Isaac chats with Chris about the critical role of health span in retirement planning and how it is often overlooked. Saving for your 'health plan' in retirement is just as important as building your wealth plan, particularly if leaving behind a legacy aligns with your life goals.You can read Chris's article in The Business Times on this topic here: https://providend.com/health-span-missing-piece-retirement-planning/Stay tuned for our next episode, where Chris interviews Dr Peng Chen, our Senior Advisor and Director at Providend!Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Grab Your Very Own Money Wisdom Book Today!Some longtime listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book titled Money Wisdom: Simple Truths for Financial Wellness. If you are interested in getting your very own signed copy, please check out the link here: https://providend.com/publications/

Managing your money in retirement is much simpler when you don't have to debt to account for, but there are times when debt isn't necessarily a bad thing. In this week's Money Wisdom question series, Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® tackle a listener's question about whether it's wise to carry debt into retirement. This discussion addresses the pros and cons of carrying debt into retirement, particularly focusing on mortgages and home equity lines. Here's what we discuss in this episode: 0:00 – Intro 1:19 – Today's question on debt 1:46 – Good debt vs bad debt 3:11 – Threshold for good debt 6:30 – Debt in retirement Text KIT to 800-757-0436 to get your ‘Are You Ready to Retire' Starter Kit! Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/  Check us out on YouTube: https://bit.ly/3CcAzai    

As life gets busy, it's not uncommon to lose track of old financial accounts, especially if you've switched jobs multiple times. When someone leaves an employer, that old 401k will stay where it is unless you do something with it and it's easy to forget about. But did you know that rediscovering this "found money" could significantly impact your financial future? In the latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® share guidance to anyone who has ever stumbled upon an old 401k. Here's what we discuss in this episode: 0:00 – Intro 1:56 – Forgotten 401k 6:08 – The Ultimate 401k Guide 7:07 – Why you might not want to move the money For those looking for more in-depth guidance on managing their 401k, we offer a valuable resource: "The Ultimate 401(k) Guide.” Just text the word GUIDE to 800-757-0436 to get a copy. This guide provides a comprehensive overview of the pros and cons of different retirement account options, helping you make informed decisions about your financial future. Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/  Check us out on YouTube: https://bit.ly/3CcAzai  

Send us a textIn this episode of The Way of Valor, I'm joined by financial educator Dr. Lance Villers to dive into the essentials of financial literacy and what every family needs to know to build a solid financial foundation. We explore why understanding credit scores, budgeting, and the true meaning of wealth are so critical—not just for adults but for the younger generation too. This episode is part two of our series, focusing on practical ways to teach kids about money, develop their "financial IQ," and ultimately equip them to lead financially responsible lives.As a parent, you want your kids to grow up with both knowledge and wisdom about handling finances. Lance and I break down the key conversations you should have with your children about earning, saving, investing, spending, and giving. From practical steps on starting savings plans to sharing our personal stories about financial wins and pitfalls, this episode is packed with real-life insights and guidance.Join us as we share tips and tools to foster an open dialogue about finances in your home. We'll also discuss how living a financially sound life can empower you to give generously and leave a lasting legacy. Whether you're already on the path to financial literacy or just beginning, this conversation is for you. If you haven't yet, make sure to listen to Part 1 for the full experience!Connect with Angie Taylor on:IG: https://www.instagram.com/mrsangietaylor/?hl=enFB: https://www.facebook.com/profile.php?id=100090424997350