Podcasts about Personal finance

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3144: Robert Farrington unpacks how personal accountability is the ultimate driver of financial success, highlighting that it's not just about numbers, it's about owning every financial decision and its consequences. By outlining five progressive levels of accountability, he offers a roadmap to build lasting habits that lead to financial clarity, control, and long-term stability. Read along with the original article(s) here: https://thecollegeinvestor.com/6521/single-important-trait-defines-personal-finance-success/ Quotes to ponder: "Accountable people don't have excuses. They have solutions." "Without full knowledge of what you have and what you spend, you cannot make sound financial decisions." "Every action has a consequence, but to be accountable, you need to realize the biggest consequence of all." Learn more about your ad choices. Visit megaphone.fm/adchoices

Following a turbulent April, markets have mostly recovered to pre-tariff levels. What can we learn from the past six weeks of stock market turbulence to make us better investors moving forward?

In this episode, Julien Guiot sits down with Ryan Graciano, Co-Founder and Head of Product at Credit Karma to discuss the story behind Credit Karma, exploring how the company disrupted personal finance by offering free credit scores and personalized financial insights. We dive into the challenges and opportunities of building trust in the finance sector, Credit Karma's innovative approach to user-centric design, and their strategy for scaling a fintech business sustainably. Key questions include how to effectively balance user experience with data privacy and what future trends might shape personal financial management. Tune in for valuable insights into the evolution and future of fintech from one of the industry's pioneering companies.

Send us a textهل تعرف كيف تختار أهم المهام في عملك؟ Impact Effort MatrixUnlock smarter decision-making with the Impact Effort Matrix! In this video, I break down what the Impact Effort Matrix is, why it's a powerful tool for prioritizing tasks and projects, and how you can use it to boost productivity-whether you're managing a team or organizing your personal goals.What you'll learn:The basics of the Impact Effort MatrixHow to categorize your tasks for maximum resultsReal-world examples and practical tipsCommon mistakes to avoidWhether you're a project manager, entrepreneur, or just looking to work smarter, this video will give you actionable insights to help you focus on what truly matters.

Amy talks with the host of ‘How to Money' Joel Larsgaard about trading in or selling your car, the Chinese tariff pause, and the best long-term investments.

Stephen Grootes speaks with Warren Ingram, financial advisor and Co-Founder about cutting through financial jargon and complexity to reveal simple, effective principles for building sustainable wealth and achieving financial freedom. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Send us a textNobody Knows Real Estate Like An Expert LenderNick Is one of the very top Equity Lenders in CanadaHis Company RiverRock Mortgage Investment Corporation is one of the best run operations in OntarioRon & Nick break down Product & Regions in Real Estate & Mortgage all across Ontario Support the show

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Martin Hunter is a visionary thinker who delves into the evolving dynamics of human necessity and economic growth. With a keen understanding of societal trends, Martin explores how the reduction in human dependency on traditional roles and resources can lead to an increase in global GDP and individual affluence. As populations shift and wealth accumulates, he observes a rising demand for luxurious living, highlighting a preference for more personal space and convenience, such as automated services in everyday life. Citing historical precedents like the labor shortages in Fort McMurray and shifts during the pandemic, Martin underscores the inevitability of automation in less-valued jobs to sustain growth and innovation. His insights draw attention to the intricate balance between technological advancement and societal evolution.Episode Highlights:00:30 Automation Fuels Economic Growth04:36 CEOs, Economy, and Employee Concerns07:59 Tiered Risk Management Approach11:26 "Boosting Morale for Business Success"14:52 Family Strategic Planning Retreat17:43 Understand Balance Sheets for Retirement21:58 Modern Business Navigators24:32 "Entrepreneurship: Courage Over Fear"

Send us a textJoin us on Average Joe Finances as our guest Kevin Guttman, a seasoned reverse mortgage professional. Kevin shares his journey from managing his father's rental properties at a young age to entering the mortgage industry in 2004. He discusses the evolution of reverse mortgages, highlighting crucial changes made in 2015 to protect homeowners. Kevin explains the advantages of reverse mortgages for retirees, emphasizing the importance of financial education and multiple income streamsIn this episode:Understand how reverse mortgages can provide tax-free income and eliminate monthly payments for retirees.Discover the updated regulations that make reverse mortgages safer and more accessible than ever before.Gain clarity on common misconceptions and why reverse mortgages aren't just a “last resort” option.Explore how leveraging home equity strategically can fund retirement, long-term care, or new investments.And so much more!Key Moments:00:56 Meet Kevin Guttman: Reverse Mortgage Expert01:20 Kevin's Journey into Real Estate02:36 The Power of Real Estate in Building Wealth04:50 Reverse Mortgages: An Overview07:32 Regulations and Changes in Reverse Mortgages11:04 Client Success Stories and Impact14:07 Unlocking Equity and Financial Freedom17:36 Diversifying Income Streams19:05 The Reality of Retirement19:50 Educating the Next Generation21:33 Options for Aging Parents22:57 Understanding Reverse Mortgages24:56 Lessons from Financial Mistakes29:59 Valuable Resources and Recommendations31:20 Final Thoughts and FarewellFind Kevin Guttman:Website: https://heromortgageloan.com/Facebook: https://www.facebook.com/LenderYouCanTrust/Instagram: https://www.instagram.com/kevin.guttmanLinkedIn: https://www.linkedin.com/in/kevinguttman/Youtube: https://www.youtube.com/@KevinGuttmanAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textIn this episode of Walk 2 Wealth, I reconnect with my good friend and Facebook Ads expert Kwadwo Sampany-Kessie, and we go deep on the real cost of chasing rapid business growth.From launching a “100 Days to $100K” challenge to nearly doubling his monthly revenue, Kwadwo opens up about what scaling too fast really did to his systems—and his sanity. Spoiler alert: it's not always about more clients and bigger numbers.We cover:✅ How a bike accident led to a massive business pivot✅ What broke when he scaled to $40K/month✅ The decision to fire the team and go back to high-touch service✅ Working with his wife and the beauty (and messiness) of blending business and family✅ The mindset shift that helped him prioritize stability over vanity metrics✅ Why courses and email funnels are now his growth play for 2025This is a masterclass in clarity, alignment, and designing a business that fits your life—not the other way around.

Want to learn the secrets to business success from company owners who are not only surviving but thriving in this difficult economy? Then join award-winning entrepreneur Mike Bosma and his guests as they provide you with the insight and expertise you need to start a new business or to take your company to a whole new level. In between jobs? Why work for the boss when you can be the boss? With Bosma On Business you can be in conversation with the area’s top corporate executives, community leaders and movers and shakers. The show is the ultimate business networking event and entrepreneurial incubator wrapped up in one and it’s brought to you live weekly over the airwaves and through the Internet. You’ll tap into a wealth of wisdom from top experts in the fields of accounting, marketing, sales, information technology, business law, human resources, corporate real estate, banking and so much more. If you’re doing business in Northern Nevada or have the entrepreneurial itch, then plan on joining us on News Talk 780 KOH every Saturday morning at 10 a.m. With Mike Bosma, the Pied Piper of entrepreneurial excellence leading the way, we’re Getting Northern Nevada…Back to Business.See omnystudio.com/listener for privacy information.

In this conversation, Dusty Porter interviews Whitney Bonds, a successful YouTube creator with over 160,000 subscribers. Whitney shares her journey from blogging to YouTube, discussing the challenges she faced, including overcoming her fear of being on camera. She emphasizes the importance of diversifying income streams, building trust with her audience, and creating content with intention. Whitney also delves into her monetization strategies, including affiliate marketing and ad revenue, while maintaining her integrity as a creator. The discussion highlights the evolving landscape of YouTube and the significance of authenticity in content creation. What We Offer Creators Join Creator Communities. A place to gather with other creators every single day. This provides access to Our Private Discord Server, Monthly Mastermind Group, and MORE!  Hire Dusty To Be Your YouTube Coach Subscribe to our weekly newsletter: Each week I document what I'm doing in my business and creative journey, share new things I've discovered, mistakes I've made, and much more! BEST TOOLS FOR CREATORS and ENTREPRENEURS: YouTube Optimization (Creative Fuel): https://geni.us/oPCt7Cf Hire Freelancers and Artists (Fiverr): https://geni.us/h4zMWAP Podcast Hosting (Libsyn): https://geni.us/TrpwY0 GeniusLink Link Shortener: https://geni.us/fHPAe Stock Assets For Creators (Envato): https://geni.us/rlEKkLB E-commerce (Shopify): https://geni.us/m9ctWwe Podcast Recording and Editing (Riverside.FM) https://geni.us/PLlt1M Mentioned Links & Resources Creator's Corner Mastermind Group https://www.dustyporter.com/creatorcommunities Entrepreneur's Minute Newsletter https://www.dustyporter.com/newsletter One-on-One YouTube Coaching with Dusty https://www.dustyporter.com/youtubecoaching --- VidIQ Tool https://geni.us/UkonWT Spotter Studio (Affiliate Link) https://geni.us/T9aUF Charlie Chang's YouTube Channel (referenced for thumbnail/title strategy) https://www.youtube.com/@CharlieChang Nate O'Brien's YouTube Channel (inspiration for Whitney's YouTube journey) https://www.youtube.com/@NateOBrien Canva (discussed as a tutorial topic and affiliate content) https://www.canva.com/ My YouTube Film Gear:

On this week's episode of I AM HOME, our hosts Tyler, Hilary, and Becca are joined by special guests from the Berkshire Hathaway Shareholders Meeting for heartfelt conversations and fresh perspectives. Melaney and Jared share their experience exploring Omaha's local gems, from Borsheims to neighborhood restaurants, and talk about their commitment to dining only at local spots during their stay. They also reflect on who first taught them that investing should be guided by passion rather than profit. (Spoiler: It was Warren Buffett!) First-time visitors Patricia and Kristy talk about their admiration for Buffett, what they find inspiring about his approach to life, and how his practical wisdom, along with the chance to shop at NFM, brought them to this unforgettable weekend in Omaha. Tune in for thoughtful insights on investing with purpose, a fun “Buffet or Bluff It” quiz, and a look at what makes Omaha such a special part of this annual tradition. Resources: I Am Home | Podcast on Furniture and Family | NFM

“Investments Don't Hug: Embracing the Life Insurance Asset” – A weekly audio book segment, a gift from Financialoscopy® creator - Mark Bertrang, as read by the author. Here's the link for Chapter Eighteen – “Keeping your dignity.”

Jesse Cramer, a former aerospace engineer turned financial planner, joins me to talk about longevity risk and why it's especially important for women to plan for the long haul.We talk about what it means to outlive your money, how Social Security really works (especially for stay-at-home moms or lower earners), and what to do if you're behind on retirement savings. Jesse breaks it down in everyday language that anyone can understand.You'll learn:What spousal and survivor benefits actually meanHow to build a “retirement paycheck” that doesn't just rely on Social SecurityWhy it's okay to start investing even if you don't know everything yetWhen it might make sense to hire a financial advisor (and when it doesn't)Whether you're in your 30s, 50s, or somewhere in between, this episode is your reminder that it's not too late and you don't have to figure it out alone.

(May 08, 2025)Neil Saavedra fills in for Bill on this Thursday Morning. The host of ‘How to Money' Joel Larsgaard joins the show to talk about Americans claiming social security early out of fear, buying a new car before tariff prices hit is causing another problem, and taking a more minimalist approach in life. Dr. Jim Keany, Chief Medical Officer at Dignity Health St. Mary Medical Center in Long Beach, joins The Bill Handel Show for 'Medical News'! Dr. Keany talks with Bill about what you are doing at your doctor's visits that is a leading cause of cancer. Neil about a hepatitis A outbreak declared in L.A. County and the next superbug threat is HERE and will be harder to overcome.

In this episode of The Tactical Empire, hosts Jeff Smith and Shawn Rider dive into the flaws and limitations of traditional financial planning, particularly focusing on pensions and 401(k)s. They discuss real-life examples, including a new client who is a longtime teacher facing retirement concerns. Jeff and Sean emphasize the importance of controlling one's own finances, investing in cash flow-generating assets, and the potential benefits of building a business. They also highlight the misconceptions of risk and the necessity of taking proactive steps to achieve financial freedom and abundance. 00:00 Introduction and Welcome00:34 Celebrating Podcast Milestones02:10 Listener Engagement and Questions02:42 Client Case Study: Financial Strategies05:56 Rethinking Traditional Financial Advice14:14 The Importance of Cash Flow24:15 Concluding Thoughts and Next Episode Preview

In this episode of Boldin Your Money, host Steve Chen welcomes back Sam Dogen, the Financial Samurai, to discuss his journey from Wall Street to financial independence, and his latest book, Millionaire Milestones. Sam shares hard-earned insights from his early career in finance, the emotional and financial toll of market downturns, and how he transformed a cathartic blog into a thriving income source and community. The conversation explores the power of compounding, the value of real estate in wealth-building, risk tolerance, money mindset, and why aligning financial goals with personal values is crucial. Sam also dives into how AI is shaping the future of content creation and wealth strategy, both as a tool and a hedge. Whether you're starting your financial journey or refining your path to early retirement, this episode offers rich takeaways on how to invest with intention, build passive income, and live a life of purpose and autonomy.

Neil Saavedra fills in for Bill on this Thursday Morning. The host of ‘How to Money' Joel Larsgaard joins the show to talk about Americans claiming social security early out of fear, buying a new car before tariff prices hit is causing another problem, and taking a more minimalist approach in life.

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In this episode, Dr. Jimmy Turner and Dr. Kirk Heath talk all things locum tenens, physician entrepreneurship, and how financial independence helps doctors practice medicine on their terms. They discuss Kirk's journey from practicing full-time as a surgeon in a private practice setting to his journey into locums. They take a deep dive into how locums helps doctors individually, how it may be a solution to systemic problems in medicine, and touch on the financial aspects of working as a 1099 versus a W2 physician. Want to learn more about locum tenens? Make sure to check out LocumStory by visiting https://moneymeetsmedicine.com/locumsEvery doctor needs own-occupation disability insurance.  To get it from a source you can trust? Visit https://moneymeetsmedicine.com/disabilityWant a free copy of The Physician Philosopher's Guide to Personal Finance?  Visit https://moneymeetsmedicine.com

Send us a textIn this behind-the-scenes solo episode of Walk 2 Wealth, I break down the entire step-by-step game plan for how I'm aiming to make $100K in a single day.I walk you through the exact tools, offers, emails, and strategies I'm using — from how I'm setting up my 4-day AI challenge, to building a launch plan around email, reels, daily content, and strategic partnerships. But more importantly, I talk about the mindset behind it all: letting go of control, leaning on faith, and growing through the process, regardless of the outcome.Inside this episode:The structure of my $100K Challenge funnelWhy 68 conversions at $1,497 is the magic numberHow I'm using social proof and live testimonials to convertThe launch “Trinity”: the 3 books guiding my game planWhy failure isn't final—and this isn't just about moneyWhether you're launching your first product or scaling a six-figure business, this episode is a transparent look into the real work behind the big goals.Support the showHOW TO SUPPORT THE WALK 2 WEALTH PODCAST: 1. Subscribe, Rate, & Review us on Apple Podcasts, Spotify, YouTube, or your favorite podcast platform. 2. Share Episodes with your family, friends, and co-workers.3. Whether you're just starting your business or your business is established, ChatGPT can help you take your business to the next level. Get Instant Access To My List of Top 10 ChatGPT Prompts To Save You Time, Energy, & Money: HTTPS://WWW.STOPANDSTARE.MEDIA/AI

Jesse explores insights from the Retirements and Perspectives study, which captures the experiences and expectations of individuals transitioning into retirement, especially those aged 50 to 75. With half of the participants recently retired and the other half preparing to retire within two years, the study offers a timely look at the "final glide path" into retirement and the early years that follow. Authored by retirement experts Fritz Gilbert and Eric Weigel, the report dives into preparedness, lifestyle satisfaction, and evolving concerns. It reveals a common disconnect between what pre-retirees expect and what retirees actually experience—particularly around health, identity, and social engagement. Jesse discusses how meaning and purpose often decline post-retirement, and how maintaining social connection and physical health is key to thriving. Drawing inspiration from longevity expert Dr. Peter Attia, the episode emphasizes that preparing for retirement goes beyond money—it's about planning for purpose, relationships, and well-being. Jesse also shares three powerful exercises to help listeners create a more intentional retirement vision: the Perfect Day, the Ikigai Map, and the Rocking Chair Test. Key Takeaways:• Retirement is more than a financial event—it's a major life transition requiring emotional, social, and identity planning. • Physical health and vitality are crucial to enjoying retirement, not just surviving it. • Social connection is one of the strongest predictors of well-being in retirement. • The “Perfect Day” exercise helps retirees envision and plan a fulfilling daily life post-career. • The “Ikigai Map” offers a powerful framework to align purpose, passion, and impact in retirement. • The “Rocking Chair Test” encourages long-term reflection on what truly matters at the end of life. Key Timestamps:(00:00) Diving into the Retirement Perspectives and Attitudes Survey (04:22) Finding Purpose and Meaning in Retirement (10:26) Adhering to a Healthy Lifestyle (13:49) Creating a Clear Vision and Plan for Retirement (21:12) Biggest Differences Between Pre and Post Retirees Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:https://www.retirewithpossibilities.com/wp-content/uploads/2023/05/Retirement-Perspectives-and-Attitudes-Survey-May-2023.pdf  More of The Best Interest:Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

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Steve Forbes offers some much-needed advice to Federal Reserve Chair Jerome Powell and the Board of Governors to bring some stability to the U.S. economy, including issuing some bonds backed by gold and ditching a lavish revamp of its Washington headquarters.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

You've been jamming money into your retirement accounts for years now. When is it okay to slow down? Joe Anderson, CFP®® and Big Al Clopine, CPA spitball for Ron and Veronica in Indiana today on Your Money, Your Wealth® podcast 528. Plus, how can Scott in Illinois bridge the gap from age 55 to retirement income at 57? How should Big Juan in Texas pay for college? Should he convert his TSP to Roth? Can he retire at 55 And finally, Frank and Jane Drebin in Wisconsin are 46 and 47 and wondering if their plan for retirement in 5 years is just a pipe dream. Free financial resources & episode transcript: https://bit.ly/ymyw-528 DOWNLOAD The Retirement Readiness Guide for free WATCH What Happens to Your 401(k) & IRA at Retirement? On YMYW TV CALCULATE your free Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:13 - Can I Take My Foot Off the Gas on Saving for Retirement? (Ron and Veronica, IN) 09:48 - Watch What Happens to Your 401(k) & IRA at Retirement? On YMYW TV and Download The Retirement Readiness Guide 10:43 - How to Bridge the Gap from Age 55 to Retirement Income at 57? (Scott, IL) 20:04 - How to Fund College? TSP to Roth Conversions? Retirement at 55? (Big Juan, TX) 24:45 - Calculate Your Free Financial Blueprint 25:45 - We're 46 and 47, Is Our Retirement Plan a Pipe Dream? (Frank and Jane Drebin, WI) 32:26 - Next Week on the YMYW Podcast

Watch the YouTube version of this episode HEREIn this episode of the Maximum Lawyer podcast, host Tyson Mutrux and guest Chelsea Williams talk about money management and its relevance to law firms. Chelsea shares financial lessons to cover common mistakes such as: lack of financial education, overlooking the interconnectedness of personal and business finances, advocating for frameworks like "Profit First" to manage finances effectively and more. The discussion also explores the psychological aspects of money, the importance of aligning personal values with business goals, and strategies for achieving financial freedom and sustainable growth in law firms.Listen in. 02:35 Impact of Personal Finance on Business06:28 Profit First Framework 09:51 Addressing Money Psychology 12:14 Retirement and Financial Freedom20:51 Lines of Credit: Pros and Cons35:18 Starting a Law Firm with No Money Tune in to today's episode and checkout the full show notes here.Connect with Chelsea:Website  Instagram LinkedIn Facebook YouTube MaxLawCon ticket on sale here: https://maximumlawyer.samcart.com/products/maxlawcon2025

Send us a textIn this raw and real solo episode, I open up about my entrepreneurial journey—from hitting a $20K day to watching multiple launches flop, and the internal battle that followed.Now, I'm back with a new challenge: to make $100,000 in a single day—and I'm documenting every step of the journey.This isn't just about money. It's about rebuilding confidence, reclaiming momentum, and walking in faith.Inside this episode:The painful truth behind my failed six-figure launchHow overcomplication killed my conversion rateWhy I'm done operating from scarcity and leaning on my own understandingMy new offer strategy and the goal to convert 68 buyers in one dayWhat this challenge means for my finances, my faith, and my futureThis is more than just a business experiment. It's a spiritual reset, a mindset shift, and a fight to rise up after setbacks.If you're navigating your own doubts or dreaming of something big—this one's for you.Support the showHOW TO SUPPORT THE WALK 2 WEALTH PODCAST: 1. Subscribe, Rate, & Review us on Apple Podcasts, Spotify, YouTube, or your favorite podcast platform. 2. Share Episodes with your family, friends, and co-workers.3. Whether you're just starting your business or your business is established, ChatGPT can help you take your business to the next level. Get Instant Access To My List of Top 10 ChatGPT Prompts To Save You Time, Energy, & Money: HTTPS://WWW.STOPANDSTARE.MEDIA/AI

Send us a textThis week, I will share the simple process I used to move my investments to a more socially responsible index fund including the steps I followed and the mistakes that I made!Links from today's episode:How to choose the best index fund | Forbeshttps://www.forbes.com/advisor/investing/how-to-choose-the-best-index-fund/ ICYMI another episode you might enjoy:Episode 76 The Surprising Truth About What ESG Investing Actually Means (recorded before the 2024 rebranding of this show)Connect With Genet “GG” Gimja:Website https://www.progressivepockets.comTwitter https://twitter.com/prgrssvpckts Work With Me:Email progressivepockets@gmail.com for brand partnerships, business inquiries, and speaking engagements.The information provided in this podcast is for general entertainment purposes only and should not be considered as professional financial advice. We make no guarantees about the accuracy or applicability of the content. Consult a qualified financial professional before making any investment or financial planning decisions.Support the show

Heather Brooker fills in for Amy King while she is on vacation in Paris, France. Heather talks with the host of ‘How to Money' Joel Larsgaard about Warren Buffet stepping down, new homes shrinking in size, and homeowners losing tons of equity.

From Billable Hours to Boundaries: Rho Thomas on Redefining Wealth, Motherhood, and FaithWhen life nudged Rho Thomas off the traditional path of law firm prestige and into the uncharted world of entrepreneurship, she didn't run—she researched, reflected, and rebuilt. In this heartfelt conversation, Rho walks us through her journey from practicing attorney to full-time financial coach, revealing the wake-up calls, pivots, and spiritual breadcrumbs that led her to reclaim her hue.Based in Atlanta but raised in the Northeast, Rho is a mom of two boys (ages 6 and 8) who found herself at a crossroads during her third year of law practice. Though her firm offered a reduced-hours program, the mountain of student debt made it unattainable—so she and her husband got serious about their finances. What started as a blog to document their debt-payoff journey quickly evolved into a calling to help others, especially fellow lawyers, shift their money mindset and reclaim agency over their wealth.Themes + Turning Points:Boundaries Before Babies Even before motherhood, Rho was carving space for herself thanks to wise mentorship. But after becoming a mom, the blurred lines between law and life hit hard. She began waking up earlier, pivoting schedules, and reevaluating what kind of parent and professional she wanted to be.The Breaking Point After the birth of her second child, Rho hit a low—feeling like she was failing in all areas of life. Therapy gave her the mirror she needed: she'd been showing up for everyone except herself.The Full-Time Leap In September 2021, Rho left the legal field to become a full-time financial coach. Guided by faith and intentionality, she now helps lawyers grow their net worth and heal their relationship with money—especially by tackling the emotional barriers of shame, fear, and scarcity.Faith & Flow Rho's business is rooted in her Christian faith. She prays over her clients, her work, and her family daily—and tithes 10% of top-line revenue. She doesn't hide this part of herself, noting how vital it is to stay grounded and led by something bigger.Structure Through Seasons With her kids now in school, Rho reflects on how the structure of their lives has shifted—and how entrepreneurship requires flexibility, especially for mothers. She encourages women to embrace each season and its unique rhythm.Mic Drop Advice: "Just jump in. Go for it. And pay closer attention to your money—it really does matter."A Great Connection for Rho: Anyone in the legal or personal finance space looking to collaborate, expand impact, or serve mission-driven professionals.Connect with Rho:

Lawrence Kiely and Samantha Nash explain the complexities of tax planning, particularly focusing on the differences between tax strategies during working years and retirement. They highlight the importance of proactive tax planning, the implications of Roth conversions, and the impact of required minimum distributions (RMDs) on retirement savings. The discussion also touches on the government's approach to taxation and the significance of strategic planning for future generations. Want to begin building your retirement plan? Schedule a call with us here:

Stephen Grootes discusses with Warren Ingram, financial advisor and Co-Founder of Galileo Capital, strategies for managing money within relationships. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.Thank you for listening to The Money Show podcast.Listen live - The Money Show with Stephen Grootes is broadcast weekdays between 18:00 and 20:00 (SA Time) on 702 and CapeTalk. There’s more from the show at www.themoneyshow.co.za Subscribe to the Money Show daily and weekly newslettersThe Money Show is brought to you by Absa. Follow us on:702 on Facebook: www.facebook.com/TalkRadio702 702 on TikTok: www.tiktok.com/@talkradio702702 on Instagram: www.instagram.com/talkradio702702 on X: www.x.com/Radio702702 on YouTube: www.youtube.com/@radio702CapeTalk on Facebook: www.facebook.com/CapeTalk CapeTalk on TikTok: www.tiktok.com/@capetalk CapeTalk on Instagram: www.instagram.com/capetalkzaCapeTalk on YouTube: www.youtube.com/@CapeTalk567CapeTalk on X: www.x.com/CapeTalkSee omnystudio.com/listener for privacy information.

In this conversation, John Harcar and Eric Patterson discuss innovative strategies for building wealth outside of traditional Wall Street investments. Eric shares his personal journey into real estate, the lessons learned from the Great Recession, and the concept of Infinite Banking as a means to gain financial control. They explore the unique challenges faced by landlords and introduce the Slow Flip strategy as an alternative investment method. The discussion emphasizes the importance of self-education and finding the right financial strategies tailored to individual needs. 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   —--------------------

In this episode of Paisa Vaisa, Anupam Gupta hosts Srinivas Balasubramanian, Head of Products & Marketing at ICICI Prudential Life Insurance, for a deep and insightful conversation about how the life insurance industry is evolving with changing customer expectations, government regulations, and generational shifts. From how Gen Z views insurance to the real meaning of terms like “Free Look Period” and the relationship between mythological epics and modern financial planning, this episode is packed with valuable takeaways.

Send us a textJoin us on Average Joe Finances as our guest James Hilovsky, CEO of the Fran Dream, shares about his journey from spending over 20 years in corporate America to becoming a successful entrepreneur. James shares his experiences in the fast food and franchising industry, working with NFL players on various business ventures, and how he now helps others become entrepreneurs by guiding them through the franchise selection process. They discuss the financial and personal freedom found in entrepreneurship, the costs and funding options for starting a franchise, and the top franchise opportunities available. In this episode:Explore how franchising offers a structured path to entrepreneurship with built-in support and scalability.Learn why aligning franchise opportunities with personal skills and goals is key to long-term success.Discover how leveraging expert guidance can fast-track your journey from corporate life to business ownership.Understand that financial and time freedom through franchising is achievable—even without prior business experience.And so much more!Key Moments:00:00 Introduction and Guest Welcome00:26 James' Background and Career Journey03:07 Transition to Entrepreneurship04:09 Personal Finance and Entrepreneurial Insights06:09 Franchise Costs and Getting Started07:16 Helping Clients with Fran Dream11:06 Top Franchise Opportunities14:08 Personal Goals and Reflections15:15 Final Round: Mistakes and Lessons Learned18:27 Tips for Aspiring Entrepreneurs20:21 Recommended Resources and Closing RemarksFind James Hilovsky on:Website: https://www.thefrandream.com/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textWhat happens when you quit your 9-5 with six figures of debt and zero savings?In this episode, I'm joined by returning guest Katie Shea, a high-ticket sales coach who went from broke and overwhelmed… to generating $86K in under six months.We break down how she bounced back, the mindset shifts that changed her business, and the behind-the-scenes of launching profitable webinars.If you're building a business with limited resources and BIG goals, this one's for you.You'll learn how to sell when your back's against the wall, get scrappy without losing confidence, and create momentum even in the middle of chaos.Support the showHOW TO SUPPORT THE WALK 2 WEALTH PODCAST: 1. Subscribe, Rate, & Review us on Apple Podcasts, Spotify, YouTube, or your favorite podcast platform. 2. Share Episodes with your family, friends, and co-workers.3. Whether you're just starting your business or your business is established, ChatGPT can help you take your business to the next level. Get Instant Access To My List of Top 10 ChatGPT Prompts To Save You Time, Energy, & Money: HTTPS://WWW.STOPANDSTARE.MEDIA/AI

Steve Forbes explains why President Trump's second 100 days will ultimately define his presidency, hinging on how painful the impact of tariffs will be felt, whether Republicans will pass their "one big beautiful bill," and how an increasingly volatile geopolitics will either get better or worse.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us a textIn this engaging episode of Walk 2 Wealth, I reconnect with Ellie McIntire, a dynamic real estate agent from Central Maryland with over 22 years of experience. Ellie's journey from a small village in the UK to building a thriving career in the U.S. is nothing short of inspiring.We dive into:Ellie's unique path from drama school to discovering her passion for real estate.The pivotal moment that led her to leave her restaurant career and pursue entrepreneurship.Lessons learned from navigating the 2008 housing crash and building lasting client relationships.How travel and life experiences shaped her resilient mindset and work ethic.Ellie also shares actionable insights on:The importance of maintaining a strong database and building community in business.Why consistency and investing in yourself are key to long-term success.How real estate can be a powerful wealth-building tool for young entrepreneurs.

Ready to take a deep dive and learn how to generate personal tax free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereHow soon can you actually use your high early cash value participating whole life insurance policy to invest? Days, months or YEARS?If you're an ambitious real estate investor or incorporated business owner in Canada, you've likely heard about permanent insurance as a wealth-building tool. But the big question is: can you access your capital fast enough to make it worth it—especially when new opportunities are knocking? This episode unpacks that exact scenario and clears up one of the biggest misconceptions that might be keeping you on the sidelines.Listen in to discover:Exactly how soon you can leverage high early cash value permanent insurance for investingHow backdating your policy could double your cash value access right out of the gateThe smart way to balance short-term opportunity with long-term wealth growth—even if you're just startingHit play now to find out how to unlock capital quickly from your insurance policy—so you can stop missing opportunities and start multiplying your wealth.If you're a business owner ready to move from asset accumulation to tax-optimized wealth building, hit play now—this episode lays out the roadmap.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyleif you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.In this client case study, we explore how a Canadian business owner leveraged a high early cash value permanent insurance policy as part of their broader wealth building and financial planning strategy. By using corporate assets to fund a participating whole life insurance policy, the client was able to access a portion of the cash value within weeks, allowing them to reinvest in a real estate opportunity—demonstrating the powerful intersection of inReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

“We Give Thanks”; Music and words by Jon Althoff and Marc Willerton © 2022 Sovereign Grace Worship/ASCAP (administrated by Integrity Music). Sovereign Grace Music, a division of Sovereign Grace Churches. All rights reserved.

In this episode we answer emails from Chris, Will and Neelix.  We discuss the basics of transitioning from accumulation to decumulation, choosing funds for accumulation from a limited selection, more transitioning questions from an alien, my lawyerly approach to personal finance and why the public personal finance landscape is often not very helpful and leaves much to be desired.Frank addresses listener questions about transitioning from accumulation to retirement portfolios, focusing on timing and asset allocation decisions for different life stages. The episode explores foundational concepts about when to shift to a less aggressive portfolio and how to work around investment account limitations.Links:All Podcasts On One Web Page:  Risk Parity Radio RSS FeedMerriman ETF Recommendations:  Best-in-Class ETF Recommendations | Merriman Financial Education FoundationjBreathless Unedited AI-Bot Summary:Ready to make the leap from aggressive growth investing to a more balanced retirement portfolio? Join Frank Vasquez as he breaks down one of investing's most critical transitions through thoughtful analysis of listener questions spanning different life stages and portfolio challenges.We dive deep into the essential question of timing: when should you transition from accumulation to decumulation? Unlike conventional wisdom that focuses on market conditions, Frank reveals why your personal financial readiness should be the primary consideration. Learn why calculating your Financial Independence number is crucial and why your current spending patterns offer surprisingly reliable guidance for retirement planning.For younger investors struggling with 401(k) limitations, Frank offers practical strategies to achieve optimal asset allocation across multiple account types. His clear breakdown of why certain asset classes (looking at you, small-cap growth) deserve caution while others merit emphasis provides actionable guidance regardless of your investment timeline.What sets this episode apart is Frank's candid assessment of the personal finance media landscape. Drawing from his background cross-examining financial experts, he categorizes financial content into entertainment, sales, and education - explaining why most advice falls short for those who actually plan to spend money in retirement. His Bruce Lee-inspired approach to financial wisdom - "take what is useful, discard what is useless, and add something uniquely your own" - offers a refreshing framework for cutting through the noise.Whether you're decades from retirement or counting down the years, you'll gain valuable perspective on building a portfolio strategy that serves your actual spending goals rather than following the crowd. Share your own portfolio questions at frank@riskparityradio.com!Support the show

Discover why Americans fear running out of money in retirement more than death. Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? - Invest in stock ETFs, private equity and digital assets for potential high compounding rates - Asset allocation model with ticker symbols and % to invest -Monthly LIVE investment webinars with Linda, with Q & A -Private VIP Facebook group with daily interaction -Weekly investment commentary from Linda -Optional 1-on-1 tech team support for digital assets -Join, pay once, have lifetime access! NO recurring fees. -US and foreign investors, no minimum $ amount to invest For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional cost. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or have a complimentary conversation to answer your questions. Request a free appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). WANT HELP AVOIDING IRS AUDITS? #Ad Stop worrying about IRS audits and get advance warning at Crypto Tax Audit, here. PLEASE REVIEW THE PODCAST ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed   PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". After you purchase the book, go here for your Crypto Book bonus: https://lindapjones.com/bookbonus PLEASE LEAVE A BOOK REVIEW FOR WEALTH BOOK Leave a book review on Amazon here. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) Available for purchase on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics. SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (Some links are affiliate links. There is no additional cost to you.)

In this episode of the 'Money Meets Medicine' podcast, hosts Dr. Jimmy Turner and Justin Harvey discuss strategies for managing personal finances during market downturns, specifically focusing on the impact of recent tariffs imposed by Trump in April 2025. They emphasize the importance of having a solid investment plan and understanding market history to mitigate psychological stress during volatile periods. The conversation covers the importance of diversification, the benefits of tax loss harvesting, and how to handle significant cash reserves during market dips. Wanting to get started on your financial journey? Download a free copy of The Physician Philosopher's Guide to Personal Finance: https://moneymeetsmedicine.com/freebookLooking to get own-occupation disability insurance from a source you can trust? Get a quote at https://moneymeetsmedicine.com/disabilityRolling returning averages for the S&P 500: https://www.advisorpedia.com/chart-center/time-in-the-market-not-timing-the-market/ 

We're taking some time to highlight some of our best Gymsplain Episodes, starting with explaining what comes with a Financial Gym Membership! Two of our Certified Financial Trainers, Joy and Kylie are here to talk about financial plans. They discuss the importance of financial plans, who can benefit from having one, and how the Financial Gym approaches financial plans for our clients. If you're curious about what a financial plan includes or wondering if it's the right time to get one, this episode has you covered.   For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.  

What are the pros and cons if Chip uses the money in his taxable brokerage account for early retirement income? Jack and Sally ask Joe and Big Al to spitball on whether they can retire around age 55 or 60, and whether they should max out their Roth or convert to Roth, today on Your Money, Your Wealth® podcast 527 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Plus, April and Andy ask the fellas to spitball on their dividend investing strategy, and Don wonders if a separately managed account (SMA) makes sense for his taxable account. (We'll also find out what an SMA is.) Free financial resources & episode transcript: https://bit.ly/ymyw-527 CALCULATE your free Financial Blueprint DOWNLOAD The Withdrawal Strategy Guide for free DOWNLOAD 10 Steps to Improve Investing Success for free WATCH Your 11-Step Path to Financial Freedom on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:52 - Pros and Cons of Using a Taxable Brokerage Account for Early Retirement Income? (Chip Skylark, Dimsdale) 13:24 - Watch Your 11-Step Path to Financial Freedom on YMYW TV, Calculate Your Free Financial Blueprint 14:27 - Is My Dividend Investing Strategy Missing Anything? (Andy & April, Knoxville, TN) 25:02 - Can I Retire Between Ages 55-60? Should I Max Out Roth Contributions, or Convert to Roth? (Jack & Sally, NC) 31:18 - Download the Withdrawal Strategy Guide and 10 Steps to Improve Investing Success for Free 32:03 - Does a Separately Managed Account (SMA) Make Sense for My Taxable Account? (Don, IA) 40:46 - Next Week on the YMYW Podcast

Discover money saving travel ideas for airfare. Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? - Invest in stock ETFs, private equity and digital assets for potential high compounding rates - Asset allocation model with ticker symbols and % to invest -Monthly LIVE investment webinars with Linda, with Q & A -Private VIP Facebook group with daily interaction -Weekly investment commentary from Linda -Optional 1-on-1 tech team support for digital assets -Join, pay once, have lifetime access! NO recurring fees. -US and foreign investors, no minimum $ amount to invest For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional cost. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or have a complimentary conversation to answer your questions. Request a free appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). WANT HELP AVOIDING IRS AUDITS? #Ad Stop worrying about IRS audits and get advance warning at Crypto Tax Audit, here. PLEASE REVIEW THE PODCAST ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed   PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". After you purchase the book, go here for your Crypto Book bonus: https://lindapjones.com/bookbonus PLEASE LEAVE A BOOK REVIEW FOR WEALTH BOOK Leave a book review on Amazon here. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) Available for purchase on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics. SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (Some links are affiliate links. There is no additional cost to you.)

Holding too much cash can be a drag on your gains. You shouldn't have too much of it sitting in your account without a specific purpose. Today you'll learn answers to questions such as: How much is too much? Where should I keep my cash? What should I do today if I have too much cash? Links from today's episode: Erik Baskin at Baskin FP Past podcast episodes with Erik Baskin include episode 72, episode 129, and episode 168. Erik Baskin on LinkedIn The Veteran Finance podcast with Erik Baskin For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

In this episode of ChooseFI, Brad Barrett is joined by Mindy from BiggerPockets Money and Chris from Can I Retire Yet? to explore the concept of the "middle-class trap." They discuss the challenges faced by many middle-class individuals who appear wealthy on paper, yet find themselves financially restricted due to their assets being tied up in home equity and retirement accounts. The conversation dives into financial independence strategies, the psychological aspect of personal finance, and how to navigate the feeling of being "trapped" financially. Key Takeaways: Understanding the Middle-Class Trap (00:02:37): Individuals may appear wealthy due to equity but feel financially restricted due to inaccessibility of funds in retirement accounts. The Role of Home Equity (00:14:18): Home equity should not be included in your financial independence (FI) number unless you plan to sell the house. Psychological Impact of Personal Finance (00:05:12): The emotional aspect plays a significant role in how individuals view their financial situations, often leading to feelings of being trapped. Multiple Financial Options Exist (00:11:42): It's crucial for individuals to understand the various strategies available to access their funds before retirement age. Timestamps and Topics: 00:00:00 - Introduction to the Middle-Class Trap Setting the stage for the discussion about financial independence and retirement strategies. 00:01:59 - Mindy's Perspective Mindy introduces the concept and discusses her experiences with clients caught in the middle-class trap. 00:04:27 - Chris's Rebuttal Chris provides insights and alternative views regarding the concept of feeling "trapped" financially. 00:11:42 - Importance of Education Discusses how understanding financial choices can alleviate the feeling of being trapped. 00:21:01 - Financial Independence Strategies Different strategies including the Roth IRA conversion ladder, allowing early access to retirement funds. 00:53:01 - Addressing the Feeling of Being Trapped Emphasizes the psychological aspect of finance and personal finance education. 00:55:12 - Conclusion Wraps up the episode with actionable takeaways and a focus on education. Actionable Takeaways: Evaluate Your Net Worth (00:41:02): Understand which assets you can access and how to plan for FI. Diversify Investments (00:29:40): Consider balancing investments in taxable brokerage accounts alongside retirement accounts. Learn About the Roth IRA Conversion Ladder (00:29:00): A significant strategy for accessing retirement funds early without penalties. Related Resources: Brandon's Article on Accessing Retirement Funds Early (00:28:19) ChooseFI Episode 475 - How to Access Retirement Accounts Before 59 and a Half (00:28:19) FAQs: What is the middle-class trap? The middle-class trap refers to individuals who seem wealthy but find their assets inaccessible, mostly tied up in home equity and retirement accounts. (00:02:37) How can I access my retirement funds before 59 and a half? Strategies include the Roth IRA conversion ladder and substantially equal periodic payments. Consult a financial advisor for personalized guidance. (00:28:19) Discussion Questions: How does the middle-class trap affect your perception of financial independence? (00:05:12) What strategies can you implement to better access your funds in retirement? (00:28:19) Does home equity play a significant role in determining your financial independence? (00:14:18)