Podcast appearances and mentions of suzy orman

On this episode of Retirement Coffee Talk, we look at advice from Kevin O’Leary, Mark Cuban, and Suze Orman. Is there anything here you can use? Like this episode? Hit that Follow button and never miss an episode!

Your LIRP functions as the ideal volatility buffer because it grows safely and productively in a tax-free way. According to a recent study by Ernst & Young, investors that contribute 30% of their retirement savings to a LIRP will have their savings last longer than people who put 100% of their savings into investments alone. This seems to fly in the face of every financial guru who has ever opined about cash value life insurance like Dave Ramsey and Suzy Orman. It's commonly understood that with an investment-only approach to retirement, you build up a large pile of money and take a modest distribution rate each year adjusted for inflation. If you take out higher than 4% per year, you drastically increase the odds of sending your portfolio into a death spiral during down years in the market. The most critical time is the first 10 years in retirement where you can expect two or three down years, any of which can cause your retirement portfolio survival odds to plummet. The LIRP serves as a volatility shield during those first ten years by allowing you to take tax-free loans from the policy during those first ten years of retirement.  The LIRP has a few features that make it the ideal volatility shield.  You can't combat market risk with an account that is exposed to market risk. LIRPs grow safely and productively. LIRPs in the form of universal indexed life insurance have a historical track record of 5% and 7% net over fees over time, making it easy to accumulate the amount of capital you need to shield yourself from volatility. LIRPs are tax-free. If you don't have to pay taxes during the accumulation and distribution phase, your money will grow more efficiently and you won't have to save as much money along the way. If you can take distributions tax-free, you aren't exposing yourself to tax rate risk and those distributions don't count as provisional income. If your LIRP is fully funded from day 1 of retirement, you will be in a position to pay for lifestyle expenses during the years following a down year in your stock market portfolio. According to the study, if you contribute 30% of your retirement savings to an LIRP you will find that your sustainable distribution rate skyrockets to as high as 8%. The study made a statistical case that shows the LIRP can extend the life of all your other investments significantly. The most viable retirement strategy is the one that gives you the highest likelihood that your retirement savings will last through life expectancy.   Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

I run a great car show every week in Corona CA. It's called Cars & Coffee Corona (@carscoffeecorona) A friend at the show asked me about a YouTube video he watched recently about retirement.   He also listens to my podcast and knows how much I love financial entertainers like Dave Ramsey, Suzy Orman, and Chris Hogan. What is a Financial Entertainer? Take a listen. My friend said that Dave Ramsey said that people can get 10% income on their retirement money! Ooohhh really?! I asked him to send me the YouTube video he was referring too and sure enough, there was Dave talking nonsense again.   The video was published in 2020. Let me quote the biggest financial entertainer in the world…. Got questions about maximizing your retirement income, saving for retirement, life insurance, or estate planning?   DISCLAIMER: Kraig Strom is not an attorney or a certified public accountant. Kraig is a Certified Financial Planner Professional®, a Chartered Financial Consultant®, and an Investment advisor representative.  As cool as all that may sound, this video is only helpful hints, tips and education. This video is not specific tax, legal or investment advice. Before you decide to take action on anything you see in this video, please consult with your tax, legal or investment advisor first.

Title: Living a Financially Free Life One Bill at a Time with John Rickgarn   Having lost both of his parents to cancer by the time he was 16, John realized after years of working in the corporate world that the plan of working 40 hours for 40 years and saving money in your 401k probably won't work for most....and that is even if you live to age 65. Since 2014, John began his financial journey educating himself on everything from real estate investing to infinite banking. In 2016, he started with a fourplex as his first investment by taking money OUT of his Roth IRA and now has several properties across several states. Since 2020, he has run a financial education website and blog sharing his journey and experiences.   Let's tune in to his story!   [00:01 - 03:45] Opening Segment   Get to know my guest John Rickgarn Why John never takes a day for granted Deep impact brought by his parents end Learning from experiences painfully   [03:46 - 07:56] Financial Freedom One Bill at a Time   Real Estate or Passive Investing Sit down and evaluate your bills Does it match a revenue per bill? The Rationale behind the principle Reach your goals one step at a time   [07:57 - 22:35] John's Passion    Fundrise Investment Anyone can invest here! Careful investors are welcome  Retirement Accounts Tax deferred account Fourplex  “How can I afford it?” Yields better returns in the market right now Suzy Orman and Dave Ramsey's recommendations Set up recurring streams of money now, not later. John cashed out his Roth IRA Real Estate pays! Don't stop there, live life to the fullest! Diving into cryptocurrency Real Estate vs. Crypto   [22:36 - 25:44] Closing Segment   Living your life debt free Final words Connect with my guest, John in the links below Resources Mentioned 5 Ways you are Paid in Real Estate Investing Rich Dad, Poor Dad Dave Ramsey Suzy Orman   Tweetable Quotes “That was kind of my mindset shift of Well, how about I start setting up recurring streams of money now? Not just wait till I'm, you know, old and gray?.” - John Rickgarn   “Don't say I can't afford it, ask: how can I afford it?” - Robert Kiyosaki   “Just try to live each day to the full potential and acknowledge that, you know, every one of us is going to have an end date, we don't know when that's gonna be, if that's tomorrow, or 50 years from now.” - John Rickgarn ------------------------------------------------------------------------ Reach John through: Instagram, Twitter, LinkedIn   Check out his website: www.wealthandfreedomnexus.com WANT TO LEARN MORE?   Connect with me through LinkedIn   Or send me an email sujata@luxe-cap.com    Visit my website www.luxe-cap.com or my Youtube channel Thanks for tuning in!     If you liked my show, LEAVE A 5-STAR REVIEW, like, and subscribe!

Popular speakers in the financial and retirement space like Ken Fisher and Suzy Orman have made annuities rather unattractive. The major objection has to do with the supposed fees of the product, even though many of the annuity options are not actually fee-based products. Ken Fisher has high fees, just like other investment options like commodities, hedge funds, and real estate. Variable annuities have higher fees than mutual funds but they also come with guarantees, and he’s essentially convincing people to move from those guaranteed products to another high fee fund. People often say they want no fees, but if that was the case they would just put their money into a savings account. It’s not about the cost of the fees. Its about the value you’re getting in return for the cost. Life insurance and annuities are not a religion and don’t require your beliefs. They are both basically risk transfer vehicles. An annuity is essentially a guarantee that you will never run out of money as long as you live. With all the medical breakthroughs that have happened recently, people are living longer lives, which is only increasing the odds of falling prey to the number one risk in retirement. Tom believes that you should spend all your money and leave life insurance to your kids. Leaving your IRA to your kids is not a great vehicle to transfer your wealth. People have been programmed to spend their paychecks while they are working while not touching their 401(k)s and IRAs while they are working, but once they retire they have to switch their mindset. You should use your money to actually enjoy your retirement. Any money that you want for retirement is appropriate for an annuity, especially after the age of 59 and a half. Annuities are not meant for a down payment on a house or your children’s college education, but depending on your goals, annuities can be one of the best places to put your retirement money. If you’re young and want to save as much as possible without losing what you have, an annuity is a great option. It would be possible to purchase a significant stream of money by the time you’re retired and it wouldn’t be that painful if you spread it out over your working years. People need to start thinking about income, rather than accumulating a big pile of money by the time they retire. Tom owns eleven annuities but he has even more in cash-value life insurance. Tax-free income in retirement is going to be vital, and people are not prepared for how much taxes are going to go up in the near future. If taxes go up and the market crashes, there are going to be a lot of people who are going to suffer. Liquidity is not a one time event, it’s a lifetime event. When you buy additional lifetime income you are increasing your lifetime liquidity. Annuities are a long-term plan. That money is not for emergency expenses. The overall strategy is not all or nothing. You can’t put all your money into an annuity or life insurance, they are all part of a balanced portfolio. If you guarantee a portion of your income in retirement by way of an annuity, it will free up the money in your stock market portfolio to continue to perform for you. Life insurance and annuities are permission slips. They give you the ability to spend all of your money and invest more aggressively elsewhere. Tom has been a proponent of investing 1% of your portfolio in Bitcoin which fits right into his overall strategy. Having guarantees in your portfolio gives you that kind of option. In this low interest rate environment annuities are more efficient than normal because the interest rate matters less and less as you get older. You also have to compare the other options. Why be in the market when you can guarantee a 12% payout rate for the rest of your life? Mortality credits are extra money from the risk pool that you get paid the older you are and the longer you live. Because the insurance companies can predict mortality in a large group pretty accurately, they can price the plan differently and afford these kinds of payouts.   Mentioned in this Episode: For advisors interested in learning more about Tom's training materials, go to tomhegna.com/webinars

You’ve heard the expression, “find your voice,” but what does that really mean? We all have a “voice” but do you think about using it to get more of what you want out of life? Better relationships, better business deals, more exposure, more income... Roger Love says we need to think about the sounds we make to have great conversations and move people emotionally, showcasing the very best of who we are in every business, or personal conversation and situation. Roger has worked with some of the most famous singers, actors and speakers in the world. People like Reese Witherspoon, Bradley Cooper, Joaquin Phoenix, Jeff Bridges, Colin Farrell, Angelina Jolie and many, many more. Roger says you are NOT the voice you were born with, but more importantly, he has some great strategies and ideas that will help you find your voice and share it more effectively. Today you’ll learn what sounds are working for you and what sounds are not, PLUS… Roger will diagnose Mike and help him become a better speaker, step by step. This is an episode you really need to HEAR or or watch on YouTube. Roger believes life doesn't exist without communication so he’s spent his life helping people figure out what sounds they should be making so that they can have communications that create the relationships, influence, and happiness that lead to them having a better life. For 17 years, he only taught singers. (people like the Beach Boys, Earth, Wind and Fire and Luther Vandross) Then speakers like Tony Robbins and Suzy Orman started coming to him wanting to work on their speaking voices and that led him to where he is today. 50% of his clients want to sing amazingly. 50% of his clients want to be incredible speakers, influencers and presenters. "We live in a world that believes that communication is word-to-word based. If you had the right words, you’d have a great conversation, start a relationship or complete a business deal… if you only had the right words.” But science has proven that the words you say are not effective in the way you should communicate with people. The way the brain processes spoken information is first, for emotion, then for logic. Words by themselves have no emotion. You have to attach sounds to the words. Roger has spent years helping people stop speaking from word to word, and become in control over sounds like the pitch, the pace, the tone, the melodies of their voice, so that others will really understand how they feel when they speak and showcase the best of themselves in every communication. Roger doesn’t work exclusively with celebrities and singers. When he’s training a superstar singer to sing, he’s helping them sell more tickets and t-shirts, but when he’s helping someone find their speaking voice… it changes their life because it actually influences the way that everyone perceives them. People need to know that everyone needs a voice makeover. You’re not “trapped” with the voice you were born with. Most of us hate the way we sound when we hear ourselves on a recording. In fact one of the most popular hashtags in the last 10 years is #ihatemyvoice. We grow up hearing the way our parents and loved ones talk to us and mimic it but it doesn’t have to be permanent. Think of it this way. Actors create characters for the roles they play but they’re not that person in real life, are they? Most of us have a work voice and a home voice and we all know what happens if you bring the work voice home to your family… It’s not very well received

'As my journey evolved, and I started to get into coaching, I realized that there was a really big shortfall in some of those traditional approaches like the Dave Ramsey and the Suzy Orman, because they weren't talking about the emotional side of money. They weren't really talking about the psychology of money.' ~ Christine Luken In this episode, Christine and I dove deep into our stories around money and the deep shame that can hold us back in activating our own wealth. There is NOTHING wrong with you and each and everyone of us must take responsibility for our financial health. Grab her book HERE >>> moneyisemotional.com

Suzy Orman called people crazy if they were saving money in a 401(k). Have things changed so much that the 401(k) is no longer a good option?

Confidence. Some people seem to have infinite amounts of it, never doubting themselves as they speak up, take risks, and pursue innovation. Yet, others seem to struggle with self-doubt and fear in even the smallest things that they do. Laleh Hancock is an expert on the topic and joins me to shed some light on this fascinating subject and how it influences innovation.   Laleh Hancock is the Founder and CEO of Belapemo and has dedicated her career and personal life to inspiring and empowering individuals and organizations who want to exponentially grow their lives and businesses. She has over 25 years of experience building successful consulting firms, service organizations, and product companies, and has been recently featured in the new book Leaders & Legends, alongside Steve Jobs, Suzy Orman, and many others.   One of the things Laleh is known for is helping people increase their confidence and that’s one of the factors of innovation — having the confidence to pursue something different. We dive into why we tend to second guess ourselves and gravitate towards trauma-and-drama, how to identify those doubts that are really holding us back, and why confidence is such a key factor in innovation. We also discuss how gratitude helps stop us from judgment and why it is so important to innovators in discovering new possibilities. Laleh also reveals her secret to the subtle art of not caring what other people think — how does she do it? Take their opinion as an “interesting point of view”!   If you are ready to: get buy-in from key decision makers on your next big idea be a high-impact, high-value member that ignites change foster a culture of innovation where everyone on your team is bringing innovative ideas that tackle challenges and seize opportunities… Join us on LaunchStreet — gotolaunchstreet.com   Mentioned in This Episode: Sponsor: Brillity Digital — Digital Presence Assessment Offer Laleh Hancock Laleh Hancock on Twitter Laleh Hancock on Instagram Belapemo on Facebook Global Wellness for All.com The 48 Laws of Power, by Robert Greene  

Ashley is a young woman with great financial conscientiousness, who follows a version of what's referred to as F.I.R.E., or "financial independence, retire early." She's transitioning from her brief career as a speech therapist into a new career working for the government, and saving her money both thoughtfully and strategically.

Ok Smart Money Nation. Stop playing and step your wealth game up. Over 16000 people, business men, business women, investors, entrepreneurs​, and risk takers, attended the Real Estate Wealth Expo. The Expo was amazing. Hi energy, thousands of motivated people, and some of the best speakers in business. Including Magic Johnson, Tony Robbins aka Anthony Ribbons, and one of my favorites Brendon Burchard. Oh I almost forgot Suzy Orman. She did a great job encouraging women to be empowered. Listen in as Chante Earl shares his #1 take away from Magic Johnson's story. Welcome to the Smart Money Cafe. SMC host Sean Rogers discusses money, investments, jobs, insurance, and everything thing else related to upping you financial IQ. SMC Website: https://smartmoneycafe.com

Ok Smart Money Nation. Stop playing and step your wealth game up. Over 16000 people, business men, business women, investors, entrepreneurs​, and risk takers, attended the Real Estate Wealth Expo. The Expo was amazing. Hi energy, thousands of motivated people, and some of the best speakers in business. Including Magic Johnson, Tony Robbins aka Anthony Ribbons, and one of my favorites Brendon Burchard. Oh I almost forgot Suzy Orman. She did a great job encouraging women to be empowered. Take a look: https://realestatewealthexpo.com/home... Welcome to the Smart Money Cafe. SMC host Sean Rogers discusses money, investments, jobs, insurance, and everything thing else related to upping you financial IQ.

Fun and games with Suzy Orman impressions. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/j12680/message Support this podcast: https://anchor.fm/j12680/support

I just started reading Suzy Orman's book The Courage to Be Rich.  And I also just enrolled in Nick Ortner,s  7-week course in EFT for finances.  I've realized I have issues around money and I'm not willing to have them anymore.  Often money comes and goes for me.  Or I have plenty.  Then I have none. Or I can overspend.  I have fear around making a lot of money because I'm afraid of spending it all.  Does any of this resonate with you?  Does it sound silly to you?  I mean really, who states they're afraid to make too much money.  But really, it's a block to financial abundance.   In this episode about money I'm going to talk about the connection of money and the energy that surrounds it.  And how it either flows to us continuously or not. There's a spirituality around money.  We either love it or hate it and it's this same vibration we send out to money.   In doing some personal emotional digging this weekend I found an example leading back to grade school where I made fun of a fellow classmate just to deflect attention from me to her.  I was hoping others would see her finanical flaws and not mine. Join me as I talk through my own examples on this journey.  And we'll talk about Suzy Orman's book and the 3 emotions we can have around money.     

Mikki Williams is a popular public speaker who regularly shares the stage with TED Talk luminaries and industry titans like Tony Robbins and Suzy Orman. Mikki purposely cultivates a BIG persona. Her personality is big, her speaking performances are big, and her brand is more than just big -- it’s OUTRAGEOUS. Is your company growing stagnant or complacent? If so, you may need some outrageousness to shake up your office and get your employees to Make Big Happen. And in this episode, Mikki shares some ideas on how to shake things up and get the energy flowing again.

How to Know when to invest? Grant Cardone has special guest twin brother Gary Cardone—CEO and Co-founder of Chargebacks911 on the Cardone Zone. Get your business, career, and finances right! 92 Million people in America are underemployed. What people should be doing now? Make more money! Gary is now of the mindset of not buying anything unless it produces income or energy. A house is not an asset, it’s a liability. There’s no reason to own a home. Don’t buy a car, lease a car. Only buy something that produces income or energy. Why buy a house? For your ego? A fantasy that has been sold to you? Suzy Orman is wrong! Gary also says when making cold calls he uses a strategy to hit a company three different ways, contacting 1. The CEO 2. The COO 3. The CFO

How to Know when to invest? Grant Cardone has special guest twin brother Gary Cardone—CEO and Co-founder of Chargebacks911 on the Cardone Zone. Get your business, career, and finances right! 92 Million people in America are underemployed. What people should be doing now? Make more money! Gary is now of the mindset of not buying anything unless it produces income or energy. A house is not an asset, it's a liability. There's no reason to own a home. Don't buy a car, lease a car. Only buy something that produces income or energy. Why buy a house? For your ego? A fantasy that has been sold to you? Suzy Orman is wrong! Gary also says when making cold calls he uses a strategy to hit a company three different ways, contacting 1. The CEO 2. The COO 3. The CFO

How to Know when to invest? Grant Cardone has special guest twin brother Gary Cardone—CEO and Co-founder of Chargebacks911 on the Cardone Zone. Get your business, career, and finances right! 92 Million people in America are underemployed. What people should be doing now? Make more money! Gary is now of the mindset of not buying anything unless it produces income or energy. A house is not an asset, it’s a liability. There’s no reason to own a home. Don’t buy a car, lease a car. Only buy something that produces income or energy. Why buy a house? For your ego? A fantasy that has been sold to you? Suzy Orman is wrong! Gary also says when making cold calls he uses a strategy to hit a company three different ways, contacting 1. The CEO 2. The COO 3. The CFO

How to Know when to invest? Grant Cardone has special guest twin brother Gary Cardone—CEO and Co-founder of Chargebacks911 on the Cardone Zone. Get your business, career, and finances right! 92 Million people in America are underemployed. What people should be doing now? Make more money! Gary is now of the mindset of not buying anything unless it produces income or energy. A house is not an asset, it's a liability. There's no reason to own a home. Don't buy a car, lease a car. Only buy something that produces income or energy. Why buy a house? For your ego? A fantasy that has been sold to you? Suzy Orman is wrong! Gary also says when making cold calls he uses a strategy to hit a company three different ways, contacting 1. The CEO 2. The COO 3. The CFO

Susan Caldwell: Empowering Women Susan Caldwell is an Author, Speaker, and Coach. She’s reinvented herself many times, changing from accounting to education to graphic design, eventually leading her to follow her heart to her current career - publisher and creator of Applaud. The women's magazine is designed to inspire women and be a resource to provide them with the information to make the best decisions in their life. First launched locally, and in print for seven years, Applaud Women transitioned to an online publication with global outreach in 2009 and features wonderful articles by internationally renowned writers/speakers such as Dr. Wayne Dyer, Suzy Orman, Louise Hay and more. Additionally, Susan created an online mall with over 150 national & international retails stores.   Rita Rocker: Triumphing Through Life Transitions Rita Rocker is a national inspirational and educational speaker, international published author, communications and image specialist, career consultant, and Mistress of Ceremonies with Transformation Academy, LLC. She inspires individuals to excel while providing life-transforming and confidence-building skills for professional organizations, corporations, youth and college programs, leadership conferences and women's retreats. She’s the author of Hope at the End of Your Rope: Steps to Rebuild Your Life and Guide to Marketing Yourself for Success. Rita is also a contributing author of many books including The Professional Woman, vols. 1 & 2, Sink, Swim or Float: How to Survive the Trials of Life, The Unstoppable Woman's Guide to Emotional Well Being,Woman Power: Strategies for Female Leadership, and many more. Rita has appeared on national television and radio talk shows on self-esteem and communication.

The weekly insights to be help you have a voice and be the best CEO of your home. This week inisghts from Rich Dad Poor Dad and and Suzy Orman