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Joe and Big Al spitball on how to avoid screwing up the timing of your Roth conversions, today on Your Money, Your Wealth® podcast number 550. Barrie from New York is 62 and single, and she's been diligently converting pre-tax money each year for lifetime tax-free Roth growth. Should she continue after she retires next year? “Jerry and Elaine” want to retire in the next six years and still leave the kids an inheritance. When should they start Roth conversions? Alex in Pennsylvania is a 31-year-old software engineer. Should he convert his IRA to Roth all at once? Plus, how can he transition into a career as a financial planner? A clarification on the age plus 20 rule of thumb for retirement contributions from one of our YouTube viewers is very un-clarified for Joe, and the fellas let Lisa in San Diego know whether she can use her rental real estate income to fund a Roth 401(k). Free Financial Resources in This Episode: https://bit.ly/ymyw-550 (full show notes & episode transcript) Ultimate Guide to Roth IRAs 6 Signs You Truly Have “Enough” for Retirement - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:55 - Should I Keep Converting $20K a Year in Retirement? (Barrie, NY) 07:17 - Can We Retire at 62 and Still Leave an Inheritance? Roth Conversion Strategies for Big Accounts (Jerry & Elaine, KS) 17:05 - I'm 31. Should I Convert $57K Now or Spread It Out? (Alex, PA) 29:12 - Roth Conversion Timing Before Retirement (Mike, Philly Suburbs) 36:49 - Confused About Roth Withdrawal Rules at 60 (Lisa, Omaha NE) 40:05 - Clarification on the Age + 20 Rule of Thumb for Contributions (Matt, YouTube) 45:40 - Can Rental Property Income Fund a Roth 401(k)? (Lisa, San Diego) 47:24 - Outro: Next Week on the YMYW Podcast
Low budget swaps to live more sustainably, how to spot green washing red flags & a hack to recycle your everyday items that you can't put in your yellow bin with author, sustainability expert & Banish founder Lottie Dalziel.
Today on Your Money, Your Wealth® podcast number 549 with Joe Anderson, CFP® and Big Al Clopine, CPA, a comment on one of our YouTube videos sparks a dialogue between Joe and Big Al on the 4% rule vs. the "guardrails" withdrawal strategy. Joe at the Beach is managing his ~$6M portfolio on his own, but wants the fellas' take on his upper limit for yearly spending, so he can keep drinking his old-fashioneds. Can Joe Ko in Virginia afford to bridge the gap between retiring at 67 and taking Social Security at 70? Plus, "Harold and Maude" have nearly $7M saved. Should they accelerate Roth conversions into high-tax brackets before moving from low-tax Colorado to high-tax California? And how much more than their current annual spend can they afford for family vacations and travel? Free Financial Resources in This Episode: https://bit.ly/ymyw-549 (full show notes & episode transcript) Withdrawal Strategy Guide Cruising Into Retirement Checklist and Guide (limited time offer, download by this Friday!) How to Cruise Into Your Retirement - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:50 - What About the Guardrails Withdrawal Strategy? (Bill, YouTube) 04:13 - I'm 69 with $5.7 Million Saved. What's the Max I Can Spend in Retirement? (Joe at the Beach) 15:12 - 63 and 58 With $1.85M Saved. How Much Can We Spend from 67 Until Social Security at 70? (Joe Ko, VA) 21:30 - We're 61 and 69 with $7.6 million. Can We Increase Our Retirement Spending? How Should We Do Roth Conversions? (“Harold and Maude”, Durango, CO) 33:49 - Outro: Next Week on the YMYW Podcast
When time and money seem like limited resources, the idea of maximizing both can seem impossible. But what if it were possible to achieve true abundance in both? How would it be if our desire for personal fulfillment and financial abundance could be harmonized? Bill Perkins, a hedge fund manager, entrepreneur, author, and professional poker player, has discovered invaluable insights into the intersection of money and meaning. Through his book, Die with Zero: Getting All You Can from Your Money and Your Life, he challenges the traditional notion of hoarding wealth for the future. He advocates for living life to the fullest now, making meaningful experiences a priority over accumulating wealth that may never be fully enjoyed. In this episode of The Greatness Machine, Darius is joined by Bill Perkins to explore practical strategies for maximizing both your life and your finances. Drawing from his remarkable journey and the principles outlined in his book, Bill shares what it takes to create a life that is truly worth living. Topics include: The importance of living life to the fullest and maximizing experiences Bill explains Die with Zero and emphasizes the value of spending wealth strategically Being off autopilot and deeply understanding one's authentic desires and values The benefits of optimizing one's life in terms of money and time Enjoying the journey of life rather than solely focusing on achieving financial success Why it matters to balance entrepreneurship and relationships Bill warns against falling into the trap of pursuing wealth or status for ego gratification Aligning actions with long-term fulfillment rather than societal expectations And other topics… Sponsored by: Brevo: Head over to brevo.com/greatness and use the code greatness to get 50% off Starter and Business Plans for the first 3 months of an annual subscription. Indeed: Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/darius. Shopify: Start your $1/month trial at Shopify.com/greatness. Connect with Bill: Twitter: https://twitter.com/bp22 Instagram: https://www.instagram.com/billperkins/ Book: https://www.amazon.com/Die-Zero-Getting-Your-Money/dp/0358099765 Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/imthedarius/ YouTube: https://www.youtube.com/@Thegreatnessmachine Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 Write a review for The Greatness Machine using this link: https://ratethispodcast.com/spreadinggreatness. Learn more about your ad choices. Visit megaphone.fm/adchoices
Money is rarely just about math—it's about stories, habits, emotions, and, for ADHDers, often a deep sense of shame. In this episode, Pete and Nikki sit down with Nicole Stanley, financial coach and founder of Arise Financial Coaching, to unpack the hidden ways ADHD intersects with our finances—and how we can finally start to build a healthier, ADHD-friendly relationship with money.Nicole shares her own diagnosis journey and the challenges of postpartum depression, financial anxiety, and feeling “not enough” as a new mom. From there, she walks us through how our early experiences shape money beliefs (most of us make up our financial mindset by age seven!), and why traditional budgeting advice so often fails the ADHD brain.This conversation is a blueprint for anyone who's ever felt overwhelmed, behind, or just exhausted trying to “do money right.” Nicole reframes key concepts: how to spot the real root of your financial stress, why automating your systems might be better than trying to “budget harder,” and how to emotionally connect to your goals so you're actually excited to follow through.Plus: what financial coaches really do, how ADHDers can leverage dopamine to create a positive money loop, and the five core financial problems that every person needs to identify before they can move forward. Whether you're in credit card debt, unsure where your money's going, or just sick of feeling behind—this episode is your permission to drop the shame and start where you are.Links & NotesArise Financial CoachingYNAB (You Need A Budget)Become a Supporting MemberJoin the ADHD Discord CommunityDig into the podcast Shownotes DatabaseBooks Mentioned in This Episode:The Simple Path to Wealth by J.L. CollinsYour Money or Your Life by Vicki Robin & Joe DominguezI Will Teach You to Be Rich by Ramit SethiHappy Money by Ken HondaYou mean I'm Not Lazy, Stupid, or Crazy?! by Kate Kelly & Peggy RamundoDie with Zero: Getting All You Can from Your Money and Your Life by Bill Perkins (00:00) - Introducing Nicole Stanley (01:55) - Nicole's ADHD Journey (04:43) - Welcome to Taking Control: The ADHD Podcast (07:30) - ADHD Money Assumptions (13:17) - The Areas of our Financial Lives (17:57) - What does it mean to "retire well?" (33:22) - The Five Potential Problems in Your Financial Life (40:37) - Coaching, Counseling, Advising, Accounting ★ Support this podcast on Patreon ★
Starting fall 2025, FICO will incorporate Buy Now, Pay Later data for the first time, which could significantly impact your credit score. Our VP, Associate Financial Advisor Holly C. Wanegar, CFP® shares what to know (and do) to keep your credit score healthy.Read more about it on our blog >- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com
What a Fed Rate Cut Means for Your Money and #1 Financial Fear (and How To Beat It)The Fed just cut rates. What does this mean for your money? Wes breaks down what the latest Fed rate cut means for your personal finances. He discusses how a drop in rates impacts everything from mortgage rates and the housing market to your investment portfolio. Plus, Wes shares his insights on the biggest financial fear for many Americans and offers a simple solution to gain clarity and peace of mind. Mentioned on the show: Rule 72(t): Secret Rule To Access Your IRA Early Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 23, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® / Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Wendy and Joe in Colorado ran the numbers, and their financial planning software says they'll have over $10 million when they pass. Wendy's wondering if they should continue converting to Roth while working, despite their high tax bracket. But has the software lulled them into a false sense of security? That's today on Your Money, Your Wealth® podcast number 548 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, which is smarter for "Kurt and Courtney" in New York: aggressively paying down their mortgage, or putting their extra money to work in the market before Kurt retires early in 20 years? Finally, when does it stop making sense for high-earners "Tim and Faith" in Boston to contribute to their Roth? The fellas duke it out on this one (and we figure out, based on our earliest musical interests, which era we're each children of.) Free Financial Resources in This Episode: https://bit.ly/ymyw-548 (full show notes & episode transcript) Pay Off the Mortgage? - YouTube playlist - Spotify playlist DOWNLOAD The Retirement Readiness Guide WATCH 4 Hard Truths About Retirement You Need to Face on YMYW TV Financial Blueprint (free, self-guided) Financial Assessment (free, meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:11 - Financial Software Says We'll Have $10M. Should We Continue Converting to Roth While Working, Despite Our High Tax Bracket? (Wendy, Loveland, CO) 16:35 - Watch 4 Hard Truths About Retirement You Need to Face on YMYW TV, Download the Retirement Readiness Guide 17:37 - What Are the Pros and Cons of Paying Off Our Home Before I Retire Early? (Kurt & Courtney, NY) 31:54 - Pay Off the Mortgage: YMYW Podcast Playlists on YouTube and Spotify, Calculate your free Financial Blueprint 32:51 - We're Late 40s With $3M + $2M RSUs. Continue Contributing to Tax-Deferred? Are We On Track for Retirement at 55 or 60? (Tim & Faith, MA) 46:15 - Next Week on the YMYW Podcast 46:37 - YMYW Podcast Outro
Guest: Jordan Salim, Founder and CEO of 3:23 Financial Services The views expressed in this podcast are for informational purposes only and should not be considered financial, investment, or legal advice. 3:23 Financial Services LLC is a registered investment adviser in the state of Texas. 3:23 Financial Services LLC is not affiliated with this podcast, and any financial advice is only provided through a formal advisory relationship with the firm. Continued our great conversation with Jordan Salim, this time we talked about various financial missteps and pitfalls to avoid. This is helpful advice for every young man as you look to not only live well within the financial resources that the Lord has blessed you with and that you've worked hard for, but also as you look to be a mindful and cheerful giver meeting the needs of others and advancing the Kingdom of Heaven! Some resources that were referenced and recommended during this podcast include the following: Your Life…Well Spent: The Eternal Rewards of Investing Yourself and Your Money in Your Family by Russ Crosson Every Good Endeavor: Connecting Your Work to God's Work by Tim Keller T4M guys - just a reminder that Training4Manhood is a non-profit, 501(c)(3) ministry and you can make donations either via Zelle (info@training4manhood.com) or by visiting the Training4Manhood website.
#246: Today we explore contrarian takes on budgeting, the 4% rule, retirement planning, and the risks of blindly investing in bonds. We also cover strategies for investing, spending, and rethinking how to use money with purpose. Tyler Gardner is a personal finance creator, educator, and former portfolio manager who's built a following by challenging conventional money wisdom. He's also the host of Your Money Guide on the Side. Link to Full Show Notes: https://chrishutchins.com/rethinking-personal-finance-tyler-gardner Partner Deals Trust & Will: Get 20% off personalized, legally binding estate plans LMNT: Free sample pack of my favorite electrolyte drink mix Mercury: Help your business grow with simplified finances Vuori: 20% off the most comfortable performance apparel I've ever worn Superhuman: Free month of the fastest and best email with code ALLTHEHACKS For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Tyler: Podcast | Instagram | TikTok Should I Invest in Bonds? Bill Perkins: Die With Zero: Getting All You Can from Your Money and Your Life ATH Podcast Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (00:54) The True Purpose of Wealth (04:18) Do We Really Need an Emergency Fund? (07:22) Where to Keep Your Money During Uncertainty (14:45) Quick History Behind the 4% Rule (18:18) Modifying the 4% Rule for Retirement (22:30) The Flaws of the 4% Rule (25:51) How People in Iceland Approach Careers (27:11) Why You Should Learn to Occupy Time with Your Passion (31:48) Pursuing a Portfolio Career (35:20) The Importance of Having "Financial Neighbors" (38:55) Tyler's One Piece of Advice to Everyone (42:29) The Problem of Inheriting Money Scripts (45:35) Ways to Overcome Frugality (49:57) Tyler's View on Budgeting (54:28) How to Think About Taking Risks (57:38) Monte Carlo Scenarios (01:02:26) The Coast FIRE Movement (01:04:41) Why Tyler Doesn't Like Bonds (01:06:54) The Core-Satellite Approach for Investing (01:12:38) Important Investing Lessons (01:13:56) Where to Find Tyler Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode, we weigh the potential of AI as a tool for financial literacy against its significant limitations, exploring why its "bare bones" advice may fall short of the personalized guidance needed for your most important financial decisions. Today's Stocks & Topics: CNM - Core & Main Inc., Market Wrap, CALM - Cal-Maine Foods, Inc., AI vs. Human: Can You Trust a Robot with Your Money?, ALLY - Ally Financial Inc., GCT - GigaCloud Technology Inc., First Rate Cut of the Year, SGOV - iShares 0-3 Month Treasury Bond ETF, TSM - Taiwan Semiconductor Manufacturing ADR, ASML - ASML Holding NV, ADMA - Adma Biologics Inc., Gold.Our Sponsors:* Check out Anthropic: https://claude.ai/INVEST* Check out Gusto: https://gusto.com/investtalk* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands
Get the latest insights on how the financial markets are performing from WHZ's VP, Associate Financial Advisor Holly C. Wanegar, CFP®.- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com
A YMYW listener from Missouri and his wife are retired at 69 and 67, with less than $2 million dollars. Should they continue converting retirement savings to Roth for the tax-free growth? What should they do about long term care insurance? More importantly, is our listener's name (Cousy) pronounced "Cuzzy" or "Koozy"? Speaking of Roth conversions, must “Peggy Hill” wait five years to withdraw her conversion money, or only its earnings? That's today on Your Money, Your Wealth® podcast number 547 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, is Skipper's retirement payout plan the killer deal he thinks it is? How can Jeff in Dallas pay less capital gains tax on his 3 million dollar single stock, million dollar 401(k), and potential eBay income? Is selling on eBay still a thing? Does Dolly in Tennessee need to empty her inherited IRA within the next 10 years due to the SECURE Act? And finally, HSA vs. HRA: how should Larry in Rhode Island navigate switching from his current employer's health savings account to his future employer's health reimbursement arrangement? Free Financial Resources in This Episode: https://bit.ly/ymyw-547 (full show notes & episode transcript) 5 Year Rules for Roth IRA Withdrawals 2025 Key Financial Data Guide (newly updated with One Big Beautiful Bill changes) 10 Steps to Improve Investing Success What to Do When the Stock Market Gets Crazy - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:11 - Should We Continue Roth Conversions in Retirement? What About Long-Term Care? (Cousy, MO) 13:03 - Must I Wait 5 Years to Withdraw My Roth Conversion, Or Only Its Earnings? ("Peggy Hill", MN) 21:50 - Is My Retirement Plan Payout the Killer Deal I Think It Is? (Skipper) 28:07 - How to Minimize My Capital Gains Tax? (Jeff, Dallas, TX) 33:37 - Must I Empty My Inherited IRA Within 10 Years With The SECURE Act? (Dolly, Bristol, TN) 37:50 - HSA and HRA: Health Savings Account vs. Health Reimbursement Arrangement (Larry, RI) 40:48 - Outro: Next Week on the YMYW Podcast
Guest: Jordan Salim, Founder and CEO of 3:23 Financial Services The views expressed in this podcast are for informational purposes only and should not be considered financial, investment, or legal advice. 3:23 Financial Services LLC is a registered investment adviser in the state of Texas. 3:23 Financial Services LLC is not affiliated with this podcast, and any financial advice is only provided through a formal advisory relationship with the firm. Had a great conversation with Jordan about what financial “stewardship” is and what it means today. This is helpful advice for every young man as you look to not only live well within the financial resources that the Lord has blessed you with and that you've worked hard for, but also as you look to be a mindful and cheerful giver meeting the needs of others and advancing the Kingdom of Heaven! Some resources that were referenced and recommended during this podcast include the following: Your Life…Well Spent: The Eternal Rewards of Investing Yourself and Your Money in Your Family by Russ Crosson Every Good Endeavor: Connecting Your Work to God's Work by Tim Keller T4M guys - just a reminder that Training4Manhood is a non-profit, 501(c)(3) ministry and you can make donations either via Zelle (info@training4manhood.com) or by visiting the Training4Manhood website.
Healthcare costs have become one of the biggest wild cards in retirement planning. While you're diligently saving for your golden years, medical expenses are quietly working against you, threatening to derail even the most carefully crafted retirement plans. In this episode, WHZ's Jonathan Mathews shares what you can do to protect your health and wealth during retirement.- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com
We heard your feedback, and today on Your Money, Your Wealth® podcast number 546, Joe Anderson, CFP® and Big Al Clopine, CPA are spitballing retirement for the not-so-fat wallets: Joe and Masako in Washington state and Reid in Indiana have less than a million saved. Can they still accomplish their retirement goals in their 60s? Mr Buckeye in Ohio and Old Macdonald in Maine have less than a million saved, and Curt in Pennsylvania has less than $1.5 million saved. Can they retire early - in their 40s and 50s? Free financial resources & episode transcript: https://bit.ly/ymyw-546 DOWNLOAD The Going Solo Guide WATCH Going Solo: Navigating Your Financial Future Single on YMYW TV CALCULATE your free Financial Blueprint SCHEDULE your Free Financial Assessment ASK Joe & Big Al for your Retirement Spitball Analysis LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 00:36 - We're 59 and 65 with Less than $1M. Can We Still Accomplish Our Retirement Goals? (Joe and Masako, WA state) 08:18 - We're 33 with $200K. Can We Retire at 65 and Spend $159K/Year? (Reid, IN) 15:58 - Calculate your Free Financial Blueprint 16:32 - We're Early 40s With $795K. Can We Retire at 55? (Mr Buckeye, OH) 28:38 - Watch Going Solo: Navigating Your Financial Future Single YMYW TV, Download the Going Solo Guide 29:25 - I'm 43 With $50K and a Paid Off House. Can I Retire ASAP? (Old MacDonald, Limington, Maine) 37:35 - I'm 35 With $1.4M. Can I Retire at 45 and Spend $75K/year? (Conshohocken Curt, PA) 49:04 - Next Week on the YMYW Podcast 49:23 - YMYW Podcast Outro
Concerns about tariffs, wars, deficits, stock valuations and Chinese tech competition sent stocks swooning at various points this year. And yet earnings continued to improve, overcoming a wall of worry and ascending to new heights despite a long list of scary news headlines. But how?In this episode, WHZ's Jim Zahansky, AWMA® takes stock of how the markets have managed to push past all these worries and hit record levels recently. - Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com
One Big Beautiful Bill is now law. How does it impact your Roth conversion strategies and other financial decisions? Plus, you may have seen or heard other advisors talking about their strategies for getting your retirement savings into tax-free Roth accounts. How are these different from a good ol' Roth conversion, and what do Joe and Big Al think of them? Find out today on Your Money, Your Wealth® podcast number 545 with Joe Anderson, CFP® and Big Al Clopine, CPA. Also, why is Ed Slott, CPA, the man known to many as "the IRA guru," such a fan of permanent cash value life insurance? Finally, an attempted correction from a YMYW YouTube viewer turns into a rousing game of death trivia, and we'll share some of your opinions from the 8th Annual YMYW Podcast Survey, which just closed. (Congratulations Larry, for being the randomly-chosen winner of the $100 Amazon e-gift card, just for completing the survey!) Free financial resources & episode transcript: https://bit.ly/ymyw-545 DOWNLOAD The Ultimate Guide to Roth IRAs WATCH Your 11 Step Path to Financial Freedom on YMYW TV CALCULATE your free Financial Blueprint SCHEDULE your Free Financial Assessment ASK Joe & Big Al for your Retirement Spitball Analysis LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter
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 1798: Ryan H. Law explains why financial decisions are often driven more by emotions than by numbers, showing how feelings like fear, excitement, and guilt shape money habits. By recognizing these emotional triggers, we can make wiser financial choices and align money with our true values. Read along with the original article(s) here: https://ryanhlaw.com/emotions-not-numbers/ Quotes to ponder: "Money decisions are rarely about the numbers, they are about the emotions behind the numbers." "When we can recognize and name the emotions we are feeling, we can begin to make better money choices." "Financial planning is less about spreadsheets and calculators and more about understanding human behavior." Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 The Psychology of Money: https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681 Emotional Intelligence: Why It Can Matter More Than IQ: https://www.amazon.com/Emotional-Intelligence-Matter-More-Than/dp/055338371X Learn more about your ad choices. Visit megaphone.fm/adchoices
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 1798: Ryan H. Law explains why financial decisions are often driven more by emotions than by numbers, showing how feelings like fear, excitement, and guilt shape money habits. By recognizing these emotional triggers, we can make wiser financial choices and align money with our true values. Read along with the original article(s) here: https://ryanhlaw.com/emotions-not-numbers/ Quotes to ponder: "Money decisions are rarely about the numbers, they are about the emotions behind the numbers." "When we can recognize and name the emotions we are feeling, we can begin to make better money choices." "Financial planning is less about spreadsheets and calculators and more about understanding human behavior." Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 The Psychology of Money: https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681 Emotional Intelligence: Why It Can Matter More Than IQ: https://www.amazon.com/Emotional-Intelligence-Matter-More-Than/dp/055338371X Learn more about your ad choices. Visit megaphone.fm/adchoices
Andrey Chabanov is a fintech founder behind multiple startups including Trustek and RampMeDaddy #crypto #blockchain #AndreyChabanovAll Episodes can be found at www.thecryptopodcast.org All about Roy / Brain Gym & Virtual Assistants athttps://roycoughlan.com/ About my Guest Andrey ChabanovAndrey Chabanov is a fintech founder behind multiple startups including Trustek and RampMeDaddy,focused on bridging traditional finance and DeFi. He's currently building Wellspring, a high-yield alternative to traditional savings accounts offering up to 12% APY through DeFi. With deep experience in crypto infrastructure, regulation, and scaling, Andrey offers raw, insightful takes on building in Web3 and the future of money. He was also an early team member at iTrustCapital, the first and largest crypto IRA provider.What we Discussed: 00:25 Who is Andrey Chabanov01:50 From Banking to Blockchain09:50 Winning a Hackaton10:30 WellSpring and what they do12:15 Which Countries can be used13:20 Hard making Payments from some banks15:40 Backed by Stella Foundation & Others17:00 Savings losing Buying Power18:10 Your Money in the Banks is not 100% Guaranteed 21:00 Your Money in Your Custody21:45 Legal Way to avoid Capital Gains Taxes24:10 The Fees they Charge25:00 Can People lose their Money26:20 How they Prevent People Getting Hacked28:30 Is there a Minimum Amount to Invest29:35 How Is the Interest Calculated35:20 Ponzi Schemes that lots of People lost funds37:00 With Wellspring Your Money Never Leaves your Wallet39:45 The Process getting Started42:30 The Goal is to Get you to Transfer your Salary to the account44:25 They want that your Grandmother would be able to use the system46:00 IRA's are able to Hold Crypto How to Contact Andrey Chabanovhttps://wellspring.money Code WS25https://www.linkedin.com/in/achabanov/https://x.com/chabalphahttps://trustek.io/ All about Roy / Brain Gym & Virtual Assistants at https://roycoughlan.com/
As we head into Labor Day weekend, I'm flexing one of my superpowers: organizing information. In this episode of The Pharmacist's Voice Podcast, I share the story behind my book binder — a simple but powerful system that helps me keep track of dozens of book recommendations and the 20–30 books I read each year. You'll hear how I went from barely finding time to read as a busy mom to becoming an audiobook enthusiast with a binder full of possibilities. I'll also share 26 books currently on my “to be read” list (plus the Spy School series I'm enjoying with my son Kraig). Maybe you'll discover your next great read from this podcast episode! Even if books aren't your thing, you'll walk away with this takeaway: what makes you weird might actually be your superpower. For me, it's organizing information. For you, it could be something else entirely — and when you embrace it, life gets easier, less stressful, and more fun. You just might help other people too!
Money isn't just math. It's feelings.In this episode of the Free Lunch Podcast, Greg and Colin sit down with special guest Carl Richards, author, and creator of The Behavior Gap, to talk about his new book Your Money.They explore why financial planning is less about spreadsheets and more about meaning, values, and the conversations we have never been taught to have.
Get the latest insights on how the markets are performing from WHZ Senior Partner, Chief Strategist Jim Zahansky, AWMA®.- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com
You've heard Joe and Big Al talk about the benefits of tax diversification in retirement. That is, having money in tax-deferred, tax-free, and taxable accounts. But what should you do if this tax triangle of yours is lopsided? Joe and our special guest co-host, Marc Horner, CFP®, spitball on this quandary for Rae and Roy in Central California, today on Your Money, Your Wealth® podcast number 544. Plus, do Rae or Roy need to get a part-time job? Also, "Elwood Blues" in Illinois would like to retire in two years, but is willing to go for 3 more to make his retirement plan work. Joe and Marc spitball on when "Elwood" can really put down that harmonica. Free financial resources & episode transcript: https://bit.ly/ymyw-544 Complete the 8th Annual YMYW Podcast Survey by 5pm Pacific on August 31, 2025, for your chance at a $100 Amazon e-gift card! (secret password: ymyw) WATCH 15 Maneuvers to Duck an Unplanned Early Retirement Knockout on YMYW TV CALCULATE your free Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 with Joe Anderson, CFP® and Marc Horner, CFP® 00:49 - Our Tax Triangle is Lopsided. Should One of Us Get a Part-Time Job? (Rae and Roy, Central CA) 12:03 - Watch 15 Maneuvers to Duck an Unplanned Early Retirement Knockout, Calculate your Financial Blueprint, Schedule a Financial Assessment 13:11 - I'd Like to Retire in 2 Years. Willing to Work 3 More to Make it Work (Elwood Blues, IL) 27:10 - Next Week on YMYW Podcast: The One Big Beautiful Bill + More 27:40 - YMYW Podcast Outro
In this episode of Your Money, Your Mission., host Kelly Mould interviews Jill Haupt, a retiree and former head of private banking at Johnson Financial Group. Jill shares her experiences and insights on planning for a comfortable retirement, including the importance of starting early, maximizing employer-offered retirement plans and considering healthcare costs. She also discusses the value of downsizing, tax-deferred investing and maintaining physical and mental health in retirement. By sharing her story, Jill provides practical strategies for achieving a secure and fulfilling retirement.
We sit down with Dawn Cher, personal finance blogger known to her followers as “Budget Babe” to explore her journey from anonymous money blogger to author and finance educator. She has built a following by demystifying personal finance for everyday Singaporeans. Now, with her debut book Take Back Control of Your Money she helps readers to break free from financial stress and build lasting wealth. On the“Saturday Mornings Show” Sit-Down Conversation host Glenn van Zutphen and co-host Neil Humphreys look at the story behind the book and the evolution of her online persona. Dawn shares practical strategies for spotting financial traps, growing passive income, and achieving true financial freedom. Hear how her blog became a blueprint for financial independence—and why her message resonates in today’s economy. See omnystudio.com/listener for privacy information.
Welcome to another great episode of the Building Your Money Machine Show! If you've ever felt like you're doing all the right things—saving, hustling, even dabbling in investing—but still not seeing your wealth build the way you'd hoped, you are absolutely not alone. Today, I'm flipping the script and sharing the eight habits you need to stop if you want to quietly and effectively build lasting wealth. Trust me, these aren't the typical suspects you see in every personal finance blog; these are the sneaky “financial termites” that erode your wealth from the inside out—often disguised as normal behaviors you barely even notice.Looking back, I wish I'd known about these much sooner. So today, I break them down for you—no fluff, just straight talk—from my own 30-year journey as a financial expert, entrepreneur, and mentor. Our mission? To help you master your money, eliminate financial stress, and live a life of choice. Because guess what? Earning more doesn't make you free—a money machine does.Get ready for a dose of financial education, some sarcasm, and a whole lot of heart, as I pull the curtain back on the silent habits you need to stop.IN TODAY'S EPISODE, I DISCUSS:Why you need to stop worshiping the concept of “good debt”How wearing “busy” like a badge of honor is a trapWhy waiting for the perfect time to invest is costing you millionsThe danger of letting every raise become a lifestyle upgradeThe true cost of thinking in monthly payments instead of total cost or lost opportunityWhy delaying freedom and joy until “someday” is a recipe for regretRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100kMy Honest Advice To Anyone Who Wants To Get RichWhy Dumb People Are Making More Money Than You15 Things That Are a Complete Waste of Your MoneyIf The Dollar Is Collapsing - Is It Worth Saving Money?RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100k: https://youtu.be/AdyUwRGrGvQMy Honest Advice To Anyone Who Wants To Get Rich: https://youtu.be/xV1yr8Qi_nQWhy Dumb People Are Making More Money Than You: https://youtu.be/ISY01uDuyJk15 Things That Are a Complete Waste of Your Money:https://youtu.be/0aeP90sF5UQORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com
If retirement is on your five-year horizon, you're in a unique position as an executive to make strategic moves now that can dramatically impact your financial security and lifestyle in retirement. In this episode of You & Your Money, WHZ Senior Partner, Chief Strategist Jim Zahansky shares the critical moves you need to make right now to maximize your retirement funds for the near future.- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com
Is it possible, common even, to spend a lot early in retirement to celebrate your financial freedom? How do Roth conversions and withdrawals work if you do plan to call it quits around age 57, and spend big early on? Should you convert retirement funds to tax-free Roth after you stop working? Joe Anderson CFP® and our special guest co-host, Marc Horner, CFP® spitball on these topics for "Beavis and Daria" in Texas and "Clark Kent" in Pennsylvania, today on Your Money, Your Wealth® podcast number 543. Plus, the sooner 56-year-old "Tony Soprano" in New Jersey can retire, the better. What tips do Joe and Marc have for him? By the way, Marc is one of the newest principals here at Pure Financial Advisors. He's the founder of Fairhaven Wealth Management, which has just become the newest Pure Financial Advisors Chicagoland office in Wheaton, Illinois - so help us welcome him for his YMYW debut. Free financial resources & episode transcript: https://bit.ly/ymyw-543 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) DOWNLOAD the Withdrawal Strategy Guide for free WATCH Withdrawal Trap Doors on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 01:00 - Spending Higher Earlier in Retirement to Celebrate? How to Convert? Where to Withdraw? (Beavis & Daria, TX) 12:30 - Watch Withdrawal Trap Doors on YMYW TV and Download the Withdrawal Strategy Guide for free 13:36 - Can I Retire at 57 Even With a High Draw Down Rate? Should I Convert After Retirement? Should I Consider an Annuity? (Clark Kent, PA) 28:23 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 29:09 - When Can I Retire? The Sooner the Better. (Tony Soprano, NJ) 37:43 - Next Week on the YMYW Podcast 38:01 - YMYW Podcast Outro
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Welcome to another enlightening episode of the Building Your Money Machine Show. Have you ever wondered why building wealth feels like such a slow grind in the beginning, but then—almost out of nowhere—your net worth starts accelerating? In today's episode, I'm pulling back the curtain on a tipping point that changes everything: hitting your first $100,000 of investable net worth.I know firsthand how discouraging it can feel to be saving, investing, and doing all the “right” things, only to see what looks like minimal progress. It's like pushing a boulder uphill in flip flops during a windstorm while people shout useless advice at you like, “Just stop drinking coffee!” Trust me, I've been there. In this episode, I explain exactly why it feels so tough to reach your first $100K—and why, after that, building wealth starts to snowball thanks to the magic of compounding.Together, we'll break down the difference between total net worth and investable net worth—the number that actually matters for creating real financial freedom. I'll walk you through why the initial push is so challenging, and how the habits and skills you build in those early years set you up for lasting success.IN TODAY'S EPISODE, I DISCUSS:Why the journey to your first $100K of investable net worth feels like the hardest partThe difference between total net worth and investable net worthThe critical identity shifts and new skills you need to go from “spender with good intentions” to confident wealth builderThe mindset and math behind opportunity costHow long it really takes to hit key milestonesRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/My Honest Advice To Anyone Who Wants To Get RichWhy Dumb People Are Making More Money Than You15 Things That Are a Complete Waste of Your MoneyIf The Dollar Is Collapsing - Is It Worth Saving Money?7 Smart Habits of Quiet MillionairesRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:My Honest Advice To Anyone Who Wants To Get Rich: https://youtu.be/xV1yr8Qi_nQWhy Dumb People Are Making More Money Than You: https://youtu.be/ISY01uDuyJk15 Things That Are a Complete Waste of Your Money:https://youtu.be/0aeP90sF5UQIf The Dollar Is Collapsing - Is It Worth Saving Money?: https://youtu.be/yG3CoFaYV2YORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com
Ever wonder why it feels like you're working harder than ever but never seem to get ahead financially? You're not failing because you're lazy; you're failing because you're financially directionless. That's the hard truth, and today, I'm bringing you the raw, no-fluff advice I wish someone had told me decades ago about what it really takes to get rich—and (spoiler alert) it's NOT about grinding harder, hoarding cash, or chasing the next big promotion.In this episode, I walk you through the nine non-negotiables for building true wealth—the real stuff, the uncomfortable truths that rattle your comfort zone, and the practical, step-by-step tools that move you forward. This is your financial education with a bit of sarcasm, a lot of heart, and a proven pathway to true freedom.Drawing on over 30 years as a financial advisor, CPA, and lifelong student of wealth-building, I'll show you how to craft a vision for your life, transform your relationship with debt, conquer self-sabotaging money stories, prioritize investing, and much more. The goal? To help you build your money machine—so your money works harder for you than you ever did for it.IN TODAY'S EPISODE, I DISCUSS:Why knowing your destination—your vivid vision for an ideal life—matters more than a bank balanceThe difference between building a life account versus a bank accountThe difference between productive and destructive debtHow your money stories and childhood beliefs shape your financial trajectoryWhy you can't save your way to wealthRecognizing that the real currency isn't cash—it's timeRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/Why Dumb People Are Making More Money Than You15 Things That Are a Complete Waste of Your MoneyIf The Dollar Is Collapsing - Is It Worth Saving Money?7 Smart Habits of Quiet Millionaires7 Reasons Why The Wealthy NEVER Trade Time For MoneyRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:Why Dumb People Are Making More Money Than You: https://youtu.be/ISY01uDuyJk15 Things That Are a Complete Waste of Your Money:https://youtu.be/0aeP90sF5UQIf The Dollar Is Collapsing - Is It Worth Saving Money?: https://youtu.be/yG3CoFaYV2Y7 Smart Habits of Quiet Millionaires: https://youtu.be/aeTEvvI_H40ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com
Financial freedom represents the ability to make life decisions without being overly constrained by financial considerations. It's when your money works for you, rather than you constantly working for money. In this episode, WHZ Managing Partner Leisl Langevin shares what to do – and what to avoid – in order to achieve and maintain financial freedom over the long term.- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com
"Rubble and Skye" in Minnesota want to spend $65,000 a year in retirement, and they'll have $67K in annual fixed income. Are they cutting it too close? "Atouk and Tala" in New Jersey will have retirement money, Social Security, and “Lumpy,” their lump sum pension - will they be okay? We'll find out today on Your Money, Your Wealth® podcast number 542 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, should David in Redondo Beach California use his Roth money to buy a home? And what do the fellas think about "Charlie Pepper" in Colorado using a home equity line of credit (HELOC) for retirement spending, instead of living off of pre-tax money? Free financial resources & episode transcript: https://bit.ly/ymyw-542 DOWNLOAD the Investing Basics Guide WATCH Financial Boot Camp on YMYW TV COMPLETE the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 00:43 - $250K Saved, $67K Fixed Income, $65K Spending. Are We Cutting Retirement Too Close? (Rubble & Sky, MN) 05:20 - We Have a $700K Pension, $335K Retirement, Plus Social Security. Will We Be OK? (Atouk and Tala, NJ) 13:14 - Watch Financial Boot Camp on YMYW TV, Download the Investing Basics Guide 14:03 - Should I Use My Roth Money for a Home Purchase? (David, Redondo Beach, CA) 21:03 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 22:01 - HELOC vs. Pre-Tax Account for Retirement Spending (Charlie Pepper, CO) 34:23 - Next Week on YMYW Podcast: Guest Co-Host Marc Horner, CFP® 34:53 - YMYW Podcast Outro
Welcome back to another episode of the Building Your Money Machine Show! Today, I'm pulling back the curtain on a question that eats at almost everyone on their wealth journey: Why does it seem like people who aren't any “smarter” than you are making more money—and living their dream lives—while you're stuck meal-prepping, maxing out your Roth IRA, and still feeling… stuck?Let's get real. We've all been told that if you're smart, work hard, and follow the “rules,” wealth will follow. But after decades of working with everyone from broke folks to billionaires, I've uncovered the hard truth: intelligence alone doesn't guarantee wealth. Not even close.In today's episode, I unpack the “intelligence myth” and why the highest IQs aren't leading the pack financially. We'll talk about science-backed reasons why taking action, building grit, and tolerating risk trump being the “smartest” person in the room.IN TODAY'S EPISODE, I DISCUSS:The myth that intelligence equals wealthWhy “dumb” or less-experienced people often succeedThe 5 key traits that predict wealth far better than raw smartsWhy fast action, micro-successes, and starting before you're ready will always beat waiting for the perfect momentHow perfectionism masquerades as procrastination and keeps you brokeThe practical, actionable steps to align, amplify, and automate your income How to finally separate your income from your effort and achieve true financial freedomWhy being on the field is the only way to win the wealth game—and how to get started now, even if it's just with $5RECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/15 Things That Are a Complete Waste of Your MoneyIf The Dollar Is Collapsing - Is It Worth Saving Money?7 Smart Habits of Quiet Millionaires7 Reasons Why The Wealthy NEVER Trade Time For MoneyThe Truth About Net Worth: Are You Rich or Poor?RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:15 Things That Are a Complete Waste of Your Money:https://youtu.be/0aeP90sF5UQIf The Dollar Is Collapsing - Is It Worth Saving Money?: https://youtu.be/yG3CoFaYV2Y7 Smart Habits of Quiet Millionaires: https://youtu.be/aeTEvvI_H407 Reasons Why The Wealthy NEVER Trade Time For Money: https://youtu.be/Jg_8jupAGkQORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com
Hello, Martinis and Your Money listeners! Whether you just found the show or were a longtime listener, I wanted to hop on here and share what's been happening in my life since I stopped recording new episodes at the end of 2024. As many of you know, in 2013, I founded the company Financial Gym and ran the company through good days and bad days until March 15th, 2025. On that date, I had the unthinkable happen to me, at least what was unthinkable to me. I had a mental health breakdown that led to me being taken from my home, pantsless, and in handcuffs. Yep, you heard that right. This type A overachiever had something unthinkable happen, and this was never a scenario that I had on my life bingo card. But yet, there I was, and that was the hand I was dealt. After three days in the institution, I knew I needed a break from work, so I put in for a mental health leave until May 1st. Immediately while I was on leave, the investors of the company decided to sell Financial Gym to a wealth management company run by two men. For those of you who don't know me, I left Merrill Lynch in 2013 to create something different, and now all of my 12 years of life focused on serving the underserved and bringing change in their lives was erased, and I was being asked to move backward in time. It was a gut punch to say the least, but it was also an answer to prayers I had been praying, and that was the opportunity to take Financial Gym and financial wellness in a different direction. It gave me the freedom to leave and start Collective Wellness Revival, a truly one-of-a-kind wellness company that I think we all need in our lives. I spent the last 12 years of my life in the most intimate way possible, diving deep into people's money habits and behaviors, and while I was doing that, I kept noticing the interconnectedness of financial wellness with the other areas of wellness, predominantly your physical and your mental wellness. There were many times where I almost felt it was wrong to offer people financial wellness, while also not offering them mental and physical wellness. Well, three days in a mental institution actually also reminded me there's a fourth area of wellness, and that is your spiritual or soul level wellness, the area deep down inside most of us that we never get to attack because we're like hamsters on a wheel just trying to get through the surface level areas of life. But we are all beautiful and connected souls here for a reason but life “lifes” us, all of us really hard. And especially the last few months and our souls get lost in the process. I've realized that I've been on my own soul discovery journey for the past 17 years. And in the past five months, since I left my Gym journey, I've been given the gift to truly learn, know, and understand the soul behind Shannon. I knew I wanted to create a company like this for years, and I'm grateful for three powerhouse women stepping in and stepping up to help me launch the first stage of this company, which is a one-of-a-kind, one-on-one coaching program. For one monthly fee, you can work on any area of wellness you choose. Every wellness journey is unique, and now you can explore all areas of your wellness: mind, body, money, and soul under one tent. And coaching is just the beginning. Our big goal is to grow a collective of like-minded women and our allies to support and encourage each other through these crazy and chaotic times we live in. This is the perfect time for everyone to work on the most epic project of our lives. And that's us. I think of the revival as the perfect place to work on Project YOU. Who are YOU? Why are YOU here? What do YOU want to do in life? Most of us are living who we think we are. Daughters, sisters, mothers, partners, co-workers, bosses, CEOs. But none of us, none of us are really these roles. They're just roles we get to play in this life. They're not really who we are. If you want to explore YOU deeper and work with me as a coach, you should check out the Soul House for what I'm calling Pneuma or Soul Level Coaching. If you liked my money coaching philosophy, wait till you discover my Soul Level Coaching. But also, if you loved my money coaching philosophy, you can still access it through the Revival and our Money House, led by my new friend Melanie and some other familiar faces. Anywho, I hope you'll support me and the ladies by joining and taking advantage of our offering and helping us build this new collective. Martinis and Your Money listeners will always have access to founder member pricing, which starts at $100 a month. But we have limited spaces for this launch. So head over to or send friends to collectivewellnessrevival.com/coaching to sign up today. And until next time everybody, cheers! SIGN UP TODAY!!
Pam and Jim in Phoenix are 38 and 41 and want to retire at 59 and 62. Matt and his wife in Pennsylvania are both 39 and want to retire at 57. Are these millennials on the right financial path, or have they brunched and YOLO'd away their retirement dreams? That's today on Your Money, Your Wealth® podcast number 541 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, do Roth conversions make sense for Will and Jane in New York, given their high income and high tax bracket? Which pension option is best for their circumstances? Finally, the fellas spitball for Juan's mother in Florida on how long-term capital gains on the installment sale of her company will be taxed. Free financial resources & episode transcript: https://bit.ly/ymyw-541 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! LIMITED TIME OFFER: Download The Money Makeover Guide before this Friday, August 8, 2025! WATCH Complete Money Makeover on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 00:44 - We're Millennials. Have We Brunched and YOLO'd Away Our Retirement Dreams? (Pam & Jim, Phoenix, AZ) 12:10 - We're 39 With $840K. Can We Retire at Age 57? (Matt, PA) 22:57 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! 23:53 - Do Roth Conversions Make Sense Given Our High Income and Tax Bracket? What Pension Option is Best? (Will and Jane, NY - voice) 37:04 - Watch Complete Money Makeover on YMYW TV, Download the Complete Money Makeover Guide before Friday, August 8, 2025! 37:46 - How Will Long Term Capital Gains on the Installment Sale of My Company Be Taxed? (Juan's Mother, FL) 47:50 - YMYW Podcast Outro
Special Episode: Navigating New 2025 Tax Laws for Therapy Practice OwnersIn this special summer edition of 'Therapy for Your Money', host Julie Herres, owner of Green Oak Accounting, discusses important updates from the new tax bill that affect small business owners and private practice therapists. Julie provides a concise breakdown of business changes, personal tax updates, and some unique deductions that may have fine print, offering key insights and practical advice for therapy practice owners to stay informed and prepared. Key topics include maintaining the QBI deduction, the return of bonus depreciation, pass-through entity tax benefits, and adjustments to personal deductions like the SALT deduction and child tax credit. Julie emphasizes the importance of consulting with tax professionals to navigate these changes effectively.Episode Highlights00:00 Introduction to Therapy for Your Money00:44 Special Edition: New Tax Law Overview01:57 Context: Tax Changes Since 201703:46 Business Tax Updates08:30 Personal Tax Updates13:32 New Deductions with Caveats23:00 Medicare and Medicaid Changes25:23 Conclusion and Final AdviceLinks and ResourcesMoney for Therapists Practice Startup - https://www.greenoakaccounting.com/startupGreenOak Accounting - www.GreenOakAccounting.comTherapy For Your Money Podcast - www.TherapyForYourMoney.comProfit First for Therapists - www.ProfitFirstForTherapists.comProfit First Academy - www.ProfitFirstForTherapists.com/Academy Podcast Production and Show Notes by Course Creation StudioGet our free KPI tracker to see how you practice measures up to others in the industry! www.therapyforyourmoney.com/kpi
In this episode of Your Money. Your Mission., host Kelly Mould discusses financial planning with marriage with Private Banker Becky McClelland and Marketing Segment Manager and bride-to-be Summer Nicpon, emphasizing the importance of open communication about financial goals and values. The conversation covers key topics such as creating a plan to manage debt, considering premarital agreements and establishing regular financial check-ins. Tune in to hear advice for couples so they can build a strong foundation for a successful marriage.
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 3229: Julien Saunders challenges readers to reassess their loyalty to early financial role models, especially as their financial knowledge and life experiences evolve. He explores how outgrowing your "financial hero" can be a necessary step toward achieving deeper, more personalized success and freedom with money. Read along with the original article(s) here: https://richandregular.com/have-you-outgrown-your-financial-hero/ Quotes to ponder: "One of the most valuable but often overlooked parts of growing financially is letting go of the people who helped you get started." "You may not be their target audience anymore, and that's okay." "They helped you build the muscle, but you have to decide how and when to use it." Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 I Will Teach You To Be Rich: https://www.amazon.com/Will-Teach-You-Be-Rich/dp/1523505745 The Simple Path to Wealth: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926 Learn more about your ad choices. Visit megaphone.fm/adchoices
Can Beth and Rip retire early, spend more, and Die with Zero? When should they claim Social Security? Forrest and Jenny have 10 rental properties at age 31. Can they retire at age 50? (And what makes you a real estate professional from a tax perspective?) Plus, what are the rules for spousal IRA contributions and required minimum distributions? Memphis wants to know. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for YMYW audience members who are definitely not fictional characters, today on Your Money, Your Wealth® podcast number 540. Free financial resources & episode transcript: https://bit.ly/ymyw-540 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! Watch Retirement Panic Button: 7 Ways to Avoid Hitting It on YMYW TV CALCULATE your free Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! 00:35 - Intro: This Week on the YMYW Podcast 01:13 - Can We Retire Early, Spend More, and Die With Zero? When Should We Collect Social Security? (Beth and Rip, FL - voice) 12:06 - Watch Retirement Panic Button: 7 Ways to Avoid Hitting It on YMYW TV Calculate your Financial Blueprint Schedule a Free Assessment 13:41 - We Have 10 Rental Properties at Age 31. Are We on Track to Retire at Age 50? (Forrest and Jenny, Cherry Hill, NJ - voice) 20:04 - Spousal IRA Contributions and RMD Rules (Memphis) 32:23 - YMYW Podcast Outro
Rory Sutherland is one of the world's leading consumer behaviour experts, the Vice Chairman of Ogilvy Advertising and an author. The world is evolving at an unprecedented pace. With the rise of AI, we're witnessing a collision between the old world and the new. As technology advances, the question becomes: how can innovation repair outdated systems and shape the future in marketing and beyond? Expect to learn about Rory's first experience to Buccee's, what Rory's thoughts are on Waymo, Autonomous driving and the current experience of going through airports, what are some unknown gems in the UK to visit that no one knows about, how Rory would improve food delivery apps, the future of AI in marketing and AI wearables, Rory's advice for what people should do to optimise for attention, and much more… Sponsors: See me on tour in America: https://chriswilliamson.live See discounts for all the products I use and recommend: https://chriswillx.com/deals Get 35% off your first subscription on the best supplements from Momentous at https://livemomentous.com/modernwisdom Get a 20% discount on Nomatic's amazing luggage at https://nomatic.com/modernwisdom Get a Free Sample Pack of LMNT's most popular Flavours with your first purchase at https://drinklmnt.com/modernwisdom Get the best bloodwork analysis in America at https://functionhealth.com/modernwisdom Timestamps: (0:00) Don't Mess with Texas (3:31) Driving Etiquette in the Us vs the UK (13:02) The Genius Behind Reverse Benchmarking (20:13) Improving the Airport Experience (36:28) How AI Changes Your Decision-Making (45:50) How Can Businesses Generate Repeat Purchase? (55:31) Should We All Start Using Blimps? (01:03:12) Improving Food Delivery Apps (01:12:46) Is it an Option or an Obligation? (01:19:18) Is Money Becoming Unhealthily Concentrated? (01:31:10) How to be Smart with Your Money (01:40:31) Should We Get Rid of 'Adults Only' Areas? (01:44:37) The Great Complaint of Calvin Klein's Daughter (01:46:25) The Brilliance of Cuddly Animal Marketing (01:52:08) Rory's Product Ad Extra Stuff: Get my free reading list of 100 books to read before you die: https://chriswillx.com/books Try my productivity energy drink Neutonic: https://neutonic.com/modernwisdom Episodes You Might Enjoy: #577 - David Goggins - This Is How To Master Your Life: https://tinyurl.com/43hv6y59 #712 - Dr Jordan Peterson - How To Destroy Your Negative Beliefs: https://tinyurl.com/2rtz7avf #700 - Dr Andrew Huberman - The Secret Tools To Hack Your Brain: https://tinyurl.com/3ccn5vkp - Get In Touch: Instagram: https://www.instagram.com/chriswillx Twitter: https://www.twitter.com/chriswillx YouTube: https://www.youtube.com/modernwisdompodcast Email: https://chriswillx.com/contact - Learn more about your ad choices. Visit megaphone.fm/adchoices
Jess, Sarina, Jennie and Jess are all here to talk about taking a break from various angles: the mechanics angle, the guilt angle, the fear angle, the identity angle and inspiration angle. Mechanics. * Leave yourself notes about the project when you leave off, for example, “The next thing that needs to happen is this…” so when you come back, you know how to get back into the project. This is Sarina's daily practice, but it really helps when she has to leave a project behind. This can be especially helpful when you have to go away for an unexpected emergency. * Jennie adds that the only way you can do this is if you have a place to keep and find those notes to yourself. In one of your 47 notebooks or in the document itself? Or, as Jess adds, on the side of the cardboard box you use for trash in your basement workshop that you almost recycle by accident. * Jennie also notes that you have to have intentionality, to know what you are writing so you can know what comes next, whether that's in your outline, inside outline, or whatever. * Jennie has a little notebook she brings on vacation with her and she downloads those ideas into that just before going to sleep at night when she's away. * These vacation inspiration moments are much like shower thoughts, part of the magic of our brain unhooking, getting into deep default mode network, and becoming its most creative. * Sarina mentioned an article about how walking makes you more creative, also a study in why tapping into the default mode network is so effective as a practice. Fear * The only way to get over this is to sit down and do it. Open the document. Just start. * Jennie points out that getting back into a manuscript when it's disappeared feels horrifying but it's much easier than it sounds and has happened to one of our frequent guests, Sarah Stewart Taylor, when her then-toddler created a password for the document that was not recoverable. She had to give in to the fact that her book was gone, and recreate it out of her memory. Guilt and Identity* It only took Jess until her fiftieth year to figure out that her process - of walking, gardening, beekeeping, musing - is a part of writing, and that's cool. * Can you be a writer if you are not actively writing? Yes, if research, planning, thinking and otherwise cogitating is a part of your writing process. Get over it. The words have to land on the page eventually, of course, but if you are doing both, have grace for the not-actively-writing part of the writing process. #AmReadingTess Gerritsen's series set in Maine (The Spy Coast and The Summer Guests) and, once she finished those two books, Jess went back to The Surgeon, where it all started for Tess Gerritsen. Stay tuned for our interview with her! Andy Weir's Project Hail Mary (Don't watch the movie trailer if you plan to read the book!)Sarah Harman's All the Other Mothers Hate MeAmy Tintera's Listen for the LieRosemerry Wahtola Trommer The UnfoldingRichard Osman's The Thursday Murder Club (coming to Netflix in August!)Janelle Brown's What Kind of Paradise Want to submit a first page to Booklab? Fill out the form HERE.Writers and readers, KJ here, if you love #AmWriting and I know you do, and I know you do, and especially if you love the regular segment at the end of most episodes where we talk about what we've been reading, you will also love my weekly #AmReading email. Is it about what I've been reading and loving? It is. And if you like what I write, you'll like what I read. But it is also about everything else. I've been #AmDoing: sleeping, buying clothes and returning them, launching a spelling bee habit, reading other people's weekly emails. Let's just say it's kind of the email about not getting the work done, which I mean that's important too, right? We can't work all the time. It's also free, and I think you'll really like it. So you can find it at kjdellantonia.com or kjda.substack.com or by clicking on my name on Substack, if you do that kind of thing.Come hang out with me. You won't be sorry.Transcript below!EPISODE 458 - TRANSCRIPTKJ Dell'AntoniaWriters and readers, KJ here. If you love Hashtag AmWriting, and I know you do, and especially if you love the regular segment at the end of most episodes where we talk about what we've been reading, you will also love my weekly Hashtag AmReading email. Is it about what I've been reading and loving? It is. And if you like what I write, you'll like what I read. But it is also about everything else. I've been ‘hashtag am-doing', sleeping, buying clothes and returning them, launching a spelling bee habit, reading other people's weekly emails. Let's just say it's kind of the email about not getting the work done—which, I mean, that's important too, right? We can't work all the time. It's also free, and I think you'll really like it. So you can find it at KJdellantonia.com or kjda.substack.com or by clicking on my name on Substack, if you do that kind of thing or of course in the show notes for this podcast. Come hang out with me. You won't be sorry.Multiple SpeakersIs it recording? Now it's recording. Yay! Go ahead. This is the part where I stare blankly at the microphone. Try to remember what I'm supposed to be doing. All right, let's start over. Awkward pause. I'm going to rustle some papers. Okay. Now, one, two, three.KJ Dell'AntoniaHey, I'm KJ Dell'Antonia, and this is the Hashtag AmWriting Podcast, the weekly podcast, while writing all the things—short things, long things, pitches, proposals, fiction, nonfiction. And somebody told me they thought this was a recorded intro. And I just want you to know I do this live every time, which is why there's this, come on, there's more variety here, people, and you should know that. Anyway, here we are, all four of us, for we got a topic today. But before we do that, we should introduce ourselves in order of seniority, please.Jess LaheyI'm Jess Lahey. I am the author of The Gift of Failure and The Addiction Inoculation. And I laugh, because when you said seniority, all I could do was think of us in our little eave space in my old house, down the street from you, not knowing what the heck we were doing. But yeah, we've been doing this for a long time now. You can find my... you can find my journalism at The New York Times, at The Washington Post, at The Atlantic, and everything else at Jessicalahey.com.Sarina BowenI'm Sarina Bowen. I'm the author of many novels. My new one this fall is called Thrown for a Loop, and it will be everywhere that books are sold, which is very exciting to me, and all about me at Sarinabowen.com.Jennie NashI am the newest of the co-hosts, and so happy to be among this group of incredibly smart and prolific and awesome women, and I'm the founder and CEO of Author Accelerator, which is a company on a mission to lead the emerging book coaching industry. And you can find us at bookcoaches.com or authoraccelerator.com.KJ Dell'AntoniaI'm KJ Dell'Antonia. I'm the author of three novels, the latest of which is Playing the Witch Card, and the most televised of which is The Chicken Sisters—Season Two coming soon to a Hallmark network near you. And I'm also the former editor and lead writer of The Motherlode, making me our... well, and Jennie too, like the crossover. I've done too many different kinds of writing—probably should have stayed in my lane. Oh well. And our plan today—as we're recording, it is summer. And a pretty frequent thing that happens in the summer is that you need to put your project down for a little while, because you have house guests, because you're going on the kind of vacation that does not involve working, because you just need a break or you're sick. That's not really a summer thing, but it definitely happens. Anyway, we wanted to talk about how, you know, what—what do you do to make that work better?Jess LaheyI think a lot about being a parent and needing to take a break too. And you know, this is something I talk a lot about with, you know, other writers who are sort of struggling, especially since I read a lot about parenting—who are struggling to—with that guilt of, you know, like, I feel like I owe my time to the words, and I feel like I owe my time to the children. And finding a way to take a break from the words and not feel guilty about not being with the words can be really, really hard, especially when you're going gung-ho on something. So I want to make sure that we figure out a way to have a break without guilt. That's like the big question I get a lot—is, how do you, you know, either from the parenting or the writing side?KJ Dell'AntoniaAnd I was thinking about it more from a mechanics side.Jess LaheyYeah.KJ Dell'AntoniaHow do you put this thing aside for a week or two weeks or even a month? And know where you were?Jess LaheyRight.KJ Dell'AntoniaAnd come back and feel like it does not take you forever to dig in.Sarina BowenYeah. Um, so we've got the guilt question. We've got the mechanics of how to do it. And I would just like to add a layer, which is the fear factor.Jess LaheyYeah.Sarina BowenI have this thing where, when I walk away from a manuscript, I become afraid of it. So it seems scarier when I take a break. Like, even if it's not true—that I don't know where I am or that I become unmoored from the channel of that book and it seems intimidating to go back to.Jess LaheyCan I add one more layer as well? And that's the identity factor. You know, if I identify as a writer, what am I if I'm not actively writing something? And that messes my head up a lot. So I would love to add that added layer in as well and make sure we discuss that.Jennie NashWell, and I have something totally different from all of those, which is that I often find when I go on vacation, I am more inspired and motivated to work on my project than I was in my real life. It tends to light a fire under me. So then I'm faced with that choice of, you know, wanting to really lean into it. And, you know, just like a really small piece of that story is, I love to write on airplanes. I just love it. Give me a very long flight, and it's—I just want to work and not talk to anybody. And, you know, it's awesome. So I feel some guilt around that. When I'm with my family, it's like, don't talk to me, don't watch movies. You know, I'm—I'm enjoying my plane time, doing my work. So I have that reality.KJ Dell'AntoniaWell, that's the choice that you have to start with, is, am I just, you know, can I not? Am I—do I need to accept the reality, which is that this is a beach trip with extended family and some, you know, my—to multiple generations, and I inevitably am going to be the person who is cooking and figuring out where the garbage has to go in the Airbnb? I should, you know, I—I will feel better if I just accept the reality that I'm not going to wake and work. Or, you know, is it a—is it a trip where you can schedule some work time and want to? Or is it a trip where you affirmatively want to give yourself a break? Or is it also, I mean, I sort of think that the last possibility—well, there are probably multiples—is I just want to touch this every day. So I feel like you can kind of—you're like, you're either like, just—no, not going to happen, not going to pretend it's going to happen, not going to feel the guilt. That's the—that's where we are. And there's sort of a, I just want to open the file every day and keep it warm and friendly. And on, you know these three—three days I have an hour.Jess LaheySo let's do this. Let's—let's do mechanics first, since that's the real nuts-and-bolts stuff, and then we'll talk about all the touchy-feely stuff after that. So let's do mechanics first. It sounds like you have thoughts, KJ…?KJ Dell'AntoniaWell, I was actually thinking that Sarina did this pretty recently.Jess LaheyYeah, that's true.Sarina BowenYeah. Like, you know, I, um, I have found mechanically that leaving yourself notes every time you walk away from your manuscript is a good thing. So this is sort of like a best practices in your life idea, where I will have a writing day, and it's done now, and I'm going to get up and go do other things in my life. If I pick up my notebook, and I write down where I am—like, okay, and the next thing that has to happen is this—like, it could be really short or not. But taking better notes about the structure of the thing I'm working on is serving me on so many levels that it just slots right in here. Like, I took a big trip in April, and I thought I might work, but then I didn't, and I really seamlessly came right back in, because I knew where I was, and I avoided a lot of my own fear. So, if the practices that help you become a good day-to-day writer also can be practices that help you in this very instance, the mechanics of picking up your book again are that you left yourself a note right in your document, um, or in your notebook, that says, and here's what I think is supposed to happen next. And, yeah.KJ Dell'AntoniaThat's going to be gold for an unexpected break too, because that happens, you know, right? You get one of those phone calls, and it's a week before you're back or more.Sarina BowenYeah.KJ Dell'AntoniaYeah. I love this practice. This is one of those things I forget to do.Jennie NashI feel like I—I feel like I have to add to that a couple things. That the only reason you can do that is, A, if you have a place to take notes, which—which could be your, the document itself that you're working on. But Sarina talked about a notebook, right? You have a place that you know, that you can find that, which is not an insignificant thing to have, or...Sarina BowenCorrect!Jennie NashRight?! Or, in the case of me, it's like, I have 47 notebooks. Well, which one did I put the note in?Sarina BowenRight.Jennie NashBut then the second thing is, I mean, this is something that I find so inspiring about the way you work, Sarina, and it—and it's a thing that I teach—is you have to know what you're writing, you know, in order to know where you are, what the structure is, and what you're doing, and to ask those—like, you have to have done the thought work of what, what it is you're trying to do and what your intention is. Otherwise, you sort of don't ever know where you are or where you're going. So...Sarina BowenRight, but that's on two levels. Like, you could—let's just say you have successfully written yourself an Inside Outline, you know, the way that you do it—you still might need that granular thing.Jennie NashOh yeah!Sarina BowenLike, you might know where you are in the arc of the book, but you might actually need the note that's like, "And now we're going to wash the dishes." I mean, let's please not put that in the novel, but you know what I mean.Jennie NashYeah, yeah. But that intentionality of, on the big picture, what am I doing, and on the small picture—in this chapter, in this scene, in this moment, and with this character—what was I... how'd that fit into the whole? What was I thinking? And those things are not—they're not easy. Like, we're talking about them like, "Oh, you just..." You know, like I was saying, what if you have 47 notebooks? That literally is a problem I have. It's like, I know I wrote this note down, and I don't know where I put it—digitally or analog.Sarina BowenRight. I confess I actually do still have this problem. Like, even with all of my best practices, like, put into—sometimes it's like, well, is that in the document, or is it in my notebook? And then—or I thought about it at four in the morning and actually didn't write it down anywhere. And I'm looking anyway...Jennie NashOh, I do that too. I absolutely do that too. I'm convinced that I left a note while I was driving—that's a thing I often do. I'll leave—I'll have Siri write me a note, and then somehow it doesn't appear, or it's like, I know I did this, I know I asked her to do this... you know.Jess LaheyI actually have—I was doing the recycling, and I realized that I was in big trouble because three sides of a box I'd had down in the basement with me while I was working on a project—I was doing something with my, getting some beehives ready—and I was listening to an audiobook that is research for a project I'm working on, and I had scribbled some really important notes to myself about how I was supposed to start a chapter on. And it was a great start. It was like a whole paragraph on the three sides of the box, with an old Sharpie I found down in the basement. And then I realized I almost recycled, like, some really useful outline stuff.Multiple Speakers[all laughing]Jess LaheySo normally—no, so I actually have them. While you guys are talking about something else, since we do see each other while we're recording this, I'll show you later. But the thing that I normally do is either in the document, like right where I left off, or in my main notebook, because I am so bad at finding those notes that I have strewn all over my office or on the side of a cardboard box.KJ Dell'AntoniaI have had the problem lately of I'm not in a manuscript, and that it's much easier when you're in a manuscript to come back to a manuscript, but I'm in a notebook full of assorted random Blueprint challenge, you know, like trying to—I'm, I'm in figuring out where this is going mode, which means I do a lot of thinking while I'm not working that then hopefully I go and write down. But it also means that I frequently sit down and I'm like, well, am I going to think about who these people are? Am I going to think about what the plot is? What am I going to do? So I've been trying to leave myself like a task, something that will, that will just get me, get me back in, because sometimes that's the problem. I, you know, I open the notebook, and there's no obvious thing to do, and the next thing I know, I'm buying running shoes.Jennie NashWell, since we're talking about nuts and bolts, when I said that I often get inspired when I go away or go on vacation and I want to work, I'm not talking about I'm going to go sit in a library or coffee shop for three hours. What, what I mean by that is I often have ideas that I want to capture, and so I have a little notebook that I bring on vacation, and what I like to do is go to bed early enough that I can download all the things I thought that day. I need that space and time to—if it's, if I'm working on something, it's in my head. It's not going to not be in my head. And so the one sort of new mechanical thing that I, that I do, is have that "vacation notes notebook" with me.KJ Dell'AntoniaI always carry one, and I never use it. So there's that.Jess LaheyI get—I am at my most inspired to write when I specifically can't write, which is usually behind the wheel of my car. So I use, in my car, I have been known to, you know, either scribble on things—which, totally don't do that—or to record myself on my phone. But then, audio things, I'm particularly bad at going back and listening to; that seems like it's just too much work. So those tend to get lost a lot. I need to come up with a better system for that. But it is predictable that if I am in a place where I cannot physically write, I will be at my most inspired to write.Jennie NashJess, that's kind of what I'm talking about. That's what happens to me, is I might say I'm leaving all work behind. I'm going off the grid. I'm not doing the thing. And that's when I most want to do the thing. And I, like, my brain seems to really get inspired. What? What do you think that's about? Is that...Jess LaheyI, you know, I, I was very worried that it was my sort of, um—sorry, what's the word I'm looking for? It was—it's my, my brain's way of saying, "Oh, you couldn't possibly work now, so let's have some of the best ideas so that you seem like a good little doobie writer, but it's physically impossible for you to write now." It's just a really weird thing, and maybe one of the other things I thought about is that I'm often listening to a book that I'm really into, which also inspires me to write. I've been listening to a lot of really great books lately, and you can't listen to a book—even one that inspires you deeply—and actually write at the same time, which is another quandary.Sarina BowenYou know what, though? This is not uniquely your brain messing with you—like, this is shower thoughts.Multiple Speakers[Overlapping: “Mm-hmm.” “Sorry.” “Ohhh...”]Sarina BowenBut everybody—everybody has those great ideas in the shower, and it's because you have unhooked yourself. You are just in there with the shampoo and the conditioner and that razor that you probably should change the blade with, and like, you know, there is nowhere to write and nothing to do. So your brain is like, I am free right now to unclench and actually solve this problem of chapter 17, and that's what—that's what happens.Jess LaheyIt is my duty, whenever we mention this, to bring up that—years ago, Ron Lieber, the write... uh... the "Your Money" columnist at The New York Times, told me that he has a waterproof little whiteboard situation that's— that lives in the shower. He and his wife, Jodi Kantor—amazing writer as well, Pulitzer Prize–winning writer, even— that these would be people who might just need a waterproof whiteboard in the shower with them.Sarina BowenBut would that ruin the magic…?KJ Dell'AntoniaIt might just...Multiple Speakers[all laughing]Jess LaheyIf you had a place to write it down, your brain would—like—be... your brain would say, "Sorry, I'm not coming up with good ideas."Sarina BowenBecause I don't think I am willing to take this risk. I take a lot of risks in my life, but this one—like; we do not mess with the shower thoughts. I think, I think...KJ Dell'AntoniaSo, so what do we do if you didn't do any of this? If what—you know—what are—you're listening to this podcast, coming back from your trip, and you're like, I... was writing... something...Sarina BowenYou know what, though? I almost feel that we should point out the fact that, like, that is kind of unlikely. Like, somebody should feel welcome to take this trip and to have all those thoughts, and even if you didn't write them down on your whiteboard in the shower or on your handy notebook, like, I would argue that unhitching yourself in the first place possibly leads to a lot of creative development that, even if you don't capture it in the moment, is still with you. Like, I had this fantastic trip in April. I thought I was going to work, and then I did not, and it was, like, the best two weeks of my life. So then, the other day, my husband said, “Hey, there's a new article you need to read in The Athletic,” which is a New York Times sports blog, and I have just pulled it up so that we can recommend it, about how walking makes you a better problem solver. And the framing story of this article is about a retired baseball coach, but, um, but then, when they got around to studying it, um, they said this question planted the seed for the first set of studies to measure if walking produces more creativity. In the series of experiments, Oppezzo and Schwartz [Marily Oppezzo & Daniel L. Schwartz] asked 176 college students to complete different creative thinking tasks while sitting, walking on a treadmill, walking outside through campus, or being pushed in a wheelchair. In one example, the students had to come up with atypical uses for random objects, and anyway, on average, the students' creative output increased by 60% when they were walking.Jennie NashThat's so cool!Sarina BowenAnd the article is—it's so cool—it's called An MLB manager found value in long walks. Research suggests it's a ‘brain-changing power'.Jess LaheyI have put a spot for it in the show notes. And I should mention that this is all part of what we call the default mode network. This is the—the part of our brain that is the wandering, most creative part of our brain. And we can get there lots of ways. Walking is a fantastic way to do it.KJ Dell'AntoniaSarina, if you do have the fear of the manuscript when you're coming back to it, like, take—you know, travel back in time to maybe when you were a little less confident in your abilities. What do you do to get past the fear and sit down?Sarina BowenThere is only one solution, and that is sitting down. And I'm not so great at this—like, when, when the fear creeps up on me, in spite of my best intentions, man, I will do anything to avoid that sucker. And then when I finally do, and I wade back in, almost every time my response is, Oh, this isn't so bad. I know where—I kind of remember now. It's going to be fine, you know. But it's so easy to put off work out of fear. It's—it's the—it's the one big obstacle. Like, I don't put work off for other reasons, you know, because I'm tired or whatever. It's because I'm afraid that there's something fundamentally wrong with the project, or fundamentally wrong with me, and that is almost always what's keeping me from doing good work.Jennie NashThere was, back in the day before computers became what they are now, people would frequently lose manuscript drafts. It was just much harder to save your work. And I can't—I can't explain exactly what changed, but it was. People frequently lost huge chunks of their work if they didn't actively back up. And when I was a new coach and working with writers who would lose their manuscripts, they would be—understandably—beyond devastated. And this often was full manuscripts, just unrecoverable, full manuscripts. And it was true that if they sat down to recreate what they'd written, it would really flow from them, for that same reason—it was still in their brain. They—they had—they'd written it, so there was a sense that they had, they owned it, and they could sit down, and it was kind of quite remarkable. And I would confidently say to them, just sit down, start writing. I think it will come to you, and it always did. It's very interesting.Jess LaheyThere's an example—we've interviewed Sarah Stewart Taylor many times now, and she tells the story of, a long time ago, her youngest managed to crawl across the computer in such a way as to create a password for the document itself, and there's nothing that can be done. She was on the phone with Word—with Microsoft—for a long time, and they're like, look, this is a password you created. We can't—that's not recoverable. So she had to go and recreate—I believe she was about a third of the way into a book—but she said that it actually flowed really well, and that, you know, she'd had it, it had been cooking and stuff like that. So that massive fear of, oh my gosh, how am I going to get back into this project when it has just disappeared? It turned out to be not a thing—that it actually came really easily to her.Jennie NashJess, you're bringing all the very weird stories today, and I'm so here for it—notes on boxes, babies making passwords.Jess LaheyYeah, well, and the hard part—the funny part about that—is like, you cannot recreate a toddler, essentially, like bashing away at your keyboard and creating a password that's never coming back. Sorry.Sarina BowenThere is a writer—she once gave a talk that I heard—a very successful young adult author, Cynthia Leitich Smith, and she apparently wrote a discovery draft of the novel to, like, figure out what it was about and then deleted it and started over on purpose.Jennie NashOn purpose?!Sarina BowenYes, and everyone in the room gasped because, of course, you know that I just rather, like, been in a lot of pain. I'd rather have oral surgery than delete my first draft of a novel. But, um... but yeah, if she was unafraid to get back there after that kind of break, then I think we can all handle it.KJ Dell'AntoniaThis is true. I've never deleted a draft, but I have just gone—poofft—"Let's, let's, let's start again." In fact, almost every time. Kind of sad. I'm doing it now, actually, but it's not a full draft. Anyway. So take the breaks, right? That's what we're saying here.Sarina BowenYeah, take the break.KJ Dell'AntoniaYou can break however you do it, you know, whichever thing you pick, and if you don't do what you thought you were going to do, that's cool, too. It's going to—it's going to be fine.Jess LaheyCan I mention something that has—so that now that we've sort of done mechanics, we've done a little bit about the fear thing, the—the identity thing—has been really hard for me, in that I have these two books that I've written, and I've written a bunch and researched a bunch of things over the past couple of years, and people keep asking me, what are you writing? What are you writing? And the reality is, like, I'm not. I'm working on something, I'm researching something, and I've written a lot of things. In fact, now I'm holding up my cardboard box pieces—I found them. But the day—I'm not, like, meeting a 1200-words-a-day goal. And sometimes I feel really... I feel like a fraud. I feel like a massive fraud. Like, what kind of writer is not actually sitting down and writing 2,000 words a day? And that's incredibly difficult for me. Like, I don't deserve to call myself a writer, even though I have a couple of books out there and I wrote—you know—did all this other stuff. But the thing that I have—there are a couple of things that have really helped—and one of those is to understand that and have some grace for myself around what I happen to know full well what my process is. Yes, I wrote a couple of book proposals that didn't turn into books, but it was only through writing the book proposals that I discovered that those books weren't something that I wanted to write, and only through doing all of this research on audiobooks and writing on the side of cardboard boxes. That's the way I've written every one of my books. And it's not—it's just what works for me. And so having a little bit of this, you know, this feeling of insecurity as a writer, I don't think is—I don't think is unique to me. I think a lot of writers feel this, and it's...KJ Dell'AntoniaNo, all the rest of them are...Jess LaheyAll of them are really...KJ Dell'AntoniaYeah, no, everyone else is just like, well, of course. No, I'm not an imposter.Jess LaheyBut what's great is when I sit down with other writers and I say, what is an integral part of your process that isn't actually about putting the words on the page? That's not some bogus, like, excuse for not writing. You know, the gardening is part of it, the—the research is part of it, the listening to audiobooks is part of it. The writing—or the walking—is part of it. And it's not just a part of it. It is an incredibly important part of it for me, and—and understanding that and owning that about myself has been really a good thing for allowing myself to not—I'm not productive when I just feel guilty or like an imposter every day. It—that's not good for my process. But none of you ever feel that, right?KJ Dell'AntoniaOr apparently the people around you…Jess LaheyThe other thing that has been—well, the other thing that's been really, really helpful is the—and especially from the parenting perspective—is, or the marriage perspective, or the dog perspective, or the bees perspective, is I need to be fully committed to the thing right in front of me when I'm doing that thing. And if I'm feeling guilty about not being with the words when I'm with my children, or not being with my children when I'm with the words, that is awful, too. And so I have found that when I have to let go of all the other stuff and be fully, 100% in, I'm highly distractible. And so if I'm not fully in the thing, and that—all that guilt of not being over there doing that other thing—that's just taking away from the actual process of writing or researching or whatever it is, or taking care of my bees. I have to be fully in the thing I'm in and not feel guilty about not doing something else. And that's been a growth moment for me, too. It only took me—how old am I? I'm 55 now, and I got there somewhere around 50, I think.Jennie NashThere is also—I mean, I—I love what you're saying, and that is a thing to strive for, for sure—to be, to be present in whatever you're doing. But there is also this idea—I always think of it as mental real estate—that you leave for your project, for your idea, for your writing, for your book. That you, that you have a space in your brain devoted to that, and that you visit, whether or not you're producing words. And I think that that, too, is writing. I think, in some ways, that's more writing than sitting at the keyboard. I mean, I always object to the process of just putting words down. And a lot of the things that challenge writers to do that, because they skip that part—the thinking part and the having-the-part—you know, the real estate-in-your-brain part. And I think this connects to the shower—shower thoughts, right? You're gardening or beekeeping, you're walking, you're thinking, you're writing proposals and throwing them out. You're doing all that, that, that's writing. That's the—that's writing in my mind.KJ Dell'AntoniaAnd it's not... I mean the other thing we do say a lot is, you know, "Good writing comes last."Jennie NashYeah.KJ Dell'AntoniaYou've got to do the other stuff. So you can do it on vacation, or you could not do it on vacation. This—I don't think—we just—maybe I—this was my idea, and I think maybe I just needed the reassurance. I have a couple weeks coming up where I'm probably not going to do anything, and I just needed a reminder that that's cool. That's cool. It's all right. It's going to be okay. That's what I—if y'all could just pat me on the head and say "it's going to be okay."Multiple Speakers[Overlapping voices: “Mm-hmm,” “Sorry,” “Ohhh...”]KJ Dell'AntoniaSix or ten times an hour, that might be about what I need.Jess LaheyWell and one of the other things that has been really cool this summer is I've been on a streak of really good books. And every one of those really good books that I've been reading has made me like, Oh, I could do this. Oh my gosh, I could do that. I could write like her. I could I could write this other thing. And it's, it's all that energy is good and it's all a good thing to sit on a beach and read a book, or sit in the woods and read a book. It's all great.KJ Dell'AntoniaAll right, everybody, go collect some energy. Hey, on that note, who's read something good lately?Jennie NashI want to hear all these great books, Jess.Jess LaheySo I really have been on this roll. I've already talked about Atmosphere in an earlier podcast, the Taylor Jenkins Reid thing. But then I've been on this Tess Gerritsen jag, because we're—I'm interviewing Tess Gerritsen later this week. You guys will get to hear her later this summer. I am... Sarina and KJ, I believe, read the first of her new series that she has set in Maine and with a couple of retired CIA agents and spies in Maine. And then I enjoyed those so much that I went all the way back to the beginning—to her first book, The Surgeon, which I didn't even know was turned into this whole series called Rizzoli and Isles. It's a television show—I had no idea. And now I'm deep into Tess Gerritsen land. I'm still—I found out that there's going to be a movie of the book by the guy who wrote The Martian, Andy...Sarina BowenAndy WeirJess LaheyAndy Weir, thank you. And I was warned very specifically on social media not to watch the preview—the trailer—for the new movie that is going to be coming out with Ryan Gosling later on this summer, because it ruins the book. The book is called Hail Mary… Project Hail Mary. So I very quickly turned away from social media and said, Ooh, I better read the book really quickly before anyone ruins it for me, and I am enjoying the heck out of Project Hail Mary. So it's been really fun. Yeah.Sarina BowenI am reading a book that KJ put into my hands. And the fun part is that I don't remember why she put it into my hands, you know. Like, why did I pick up this book? Like, it happens all the time. It's called All the Other Mothers Hate Me by Sarah Harman.Jennie NashWhat a great title.Sarina BowenYeah, like, I picked up this book, and my husband said, oh my God, what a great title. And so, yes, that's super cool. And it's very voice-y. And the—the flap copy has the—a premise that smacks of a thriller, but the voice isn't like all deep, dark thriller. And so I think maybe the contrast of those two things might be why KJ put it into my hands. But I am enjoying the fabulous writing, and I'm—I'm still at the beginning, but the way she introduces characters is really sharp. So even that alone is like a little master class on introducing characters.KJ Dell'AntoniaYeah, that was why I gave it to you, was that we'd been talking about, you know, the voice, and also because we'd been talking about, like, funny thrillers versus thriller-y thrillers. And this isn't funny, but it's super voice-y. It reminds me of the one you pressed into my hands, which maybe is a little funnier—Listen for the Lie.Sarina BowenYeah, yeah.Jennie NashWell, I'm reading something very different, which is not—not very beachy. I go to a yoga class that is taught by a middle grade English teacher, and she runs her yoga class sort of like English class, where she always starts with a poem and throughout the class, she refers back to the poem in a very embodied way that you're doing the yoga around. And then she reads the poem again at the end. It's—its spectacular. She's—she's so popular at our yoga studio that you have to, you know, fight your way in. But she read a poem by a woman named Rosemerry Wahtola Trommer—and that's Rosemerry like Christmas Merry, so: Rosemerry. And the book is called The Unfolding. And I say it's very different from what you are all mentioning because this woman experienced the death of her young son and father in very close proximity, and her poems are ostensibly about grief, but they're just filled with joy and hope and delight. And, you know, it's kind of that thing you're talking about, Sarina—that it's—here's a book about tragedy and grief, but it's—there's something about the voice that just is—is fresh. And they're just—they're just stunning, just absolutely stunning. And I have gone and ordered all her books, of which there are—are many. So she's a new voice to me, and I just—I can't get enough of them. They're incredible.KJ Dell'AntoniaWell, here I am going to go back to the fiction summary read-y thing. I am very late to The Thursday Murder Club party, but it is joy. It is so much fun—really your sort of classic Agatha Christie stuff, but way, way funnier and more entertaining, with a dash of elderly spies. So we're on that theme. And then I also want to mention, just because I liked it so much—and I'm not sure I want everyone to read it—What Kind of Paradise by Janelle Brown. This could be your lit fic read of the summer. It's somewhere—but—but it's still a page turner. And I thought the premise was extremely great. Basically, it's: what if the Unabomber had also raised a young daughter with him in the woods on all of his theories, back when the Unabomber was living in the woods, and inadvertently involved her in his first kill before she got away? And now she's an adult looking back at what happened. And Janelle Brown is a Silicon Valley person. She's really steeped in this culture. She really knows this world. It's a really good book—plus super entertaining.Jennie NashI love it.KJ Dell'AntoniaThat's it!Jess LaheyI love it when we have a lot of good stuff, because there have been a couple weeks this year where we were like, I was just let down this time around. But yay, I'm loving this.KJ Dell'AntoniaAll right, I think that's it for us this week, kids. Remember, if you support the podcast, you get bonus content every week right now, because we are killing it. You might get Jess's Soup to Nuts series, where she is coaching a fellow writer on creating a nonfiction proposal that also will work with her speaking career. You can join me and Jennie on a weekly basis as we flail our way through the beginnings of writing a couple of books. And of course, on a monthly basis, we've got the Booklab, where we look at the First Pages of novels submitted by listeners. And if you'd like to submit to the Booklab, that'd be great. Jess will put the link in the show notes.Jess LaheyIndeed, Jess will. And until next week, everyone, keep your butt in the chair and your head in the game.The Hashtag AmWriting Podcast is produced by Andrew Perella. Our intro music, aptly titled Unemployed Monday, was written and played by Max Cohen. Andrew and Max were paid for their time and their creative output, because everyone deserves to be paid for their work. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit amwriting.substack.com/subscribe
Roger in Canton, Ohio, is burnt out. Can he and his wife Jane pre-retire next year in their mid-50s with $2.8 million? Joe and Big Al spitball on whether they'll still have enough money for their Go-Go years, Joe's favorite, today on Your Money, Your Wealth® podcast number 539. Roger also has an employee stock purchase plan. For the best asset location strategy, should he max out the ESPP at a 15% discount, convert to Roth IRA, build his brokerage account, or a little of all the above? Speaking of asset location, some of our YouTube viewers object to the idea of putting higher performing assets in your Roth account. They say you can't write off the losses and you'll be exposed to sequence of returns risk. Stick around for Joe and Al's response. Free financial resources & episode transcript: https://bit.ly/ymyw-539 DOWNLOAD Why Asset Location Matters for Free CALCULATE Your Free Financial Blueprint WATCH Recipe for Retirement | Retirement Plans Explained on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 02:03 - I'm Burned Out. Can I Pre-Retire Next Year? (Roger & Jane, Canton, OH) 11:46 - Watch Recipe for Retirement | Retirement Plans Explained on YMYW TV and Calculate Your Free Financial Blueprint 12:50 - Would You Rather for Asset Location: Roth vs. Brokerage? Roth vs. ESPP with 15% Discount? (Roger & Jane, Canton, OH, cont'd) 21:08 - Higher Performing Assets in Roth Exposes You To Sequence of Returns Risk and You Can't Write Off The Losses (YouTube comment) 24:54 - Next Week on the YMYYW Podcast 25:27 - Download Why Asset Location Matters for Free
What if I told you that one simple kit could make your work and travel more sustainable - without adding extra hassle? The best eco-friendly habits are the ones that fit seamlessly into your daily routine. But when you’re hopping between shared workspaces, traveling for business, or just navigating a busy schedule, it’s easy to fall back on single-use plastics and convenience items. In this Quick Win episode, Lottie Dalziel, sustainability advocate, author, and NSW Young Australian of the Year, shares a practical strategy to reduce waste and make more conscious choices on the go. Lottie and I discuss: The Single-Use Quitter Kit—what it is and how it helps you cut waste effortlessly Simple swaps to make your workspace and travel habits more eco-friendly Why small changes add up, especially when they inspire those around you Listen to the full interview with Lottie here. Connect with Lottie via her website, Instagram, Tiktok, and LinkedIn. Check out Lottie’s book 365+ Ways to Save the Planet and Your Money at the Same Time My latest book The Health Habit is out now. You can order a copy here: https://www.amantha.com/the-health-habit/ Connect with me on the socials: Linkedin (https://www.linkedin.com/in/amanthaimber) Instagram (https://www.instagram.com/amanthai) If you are looking for more tips to improve the way you work and live, I write a weekly newsletter where I share practical and simple to apply tips to improve your life. You can sign up for that at https://amantha-imber.ck.page/subscribe Visit https://www.amantha.com/podcast for full show notes from all episodes. Get in touch at amantha@inventium.com.au Credits: Host: Amantha Imber Sound Engineer: The Podcast Butler See omnystudio.com/listener for privacy information.
George and Weezy in the land of Lincoln will have deferred compensation and wonder if they can retire in mid-2026, or even earlier. Will they have enough? Should Jenn in Ohio move with work, take a break, or just retire? She asks Joe Anderson, CFP® and Big Al Clopine, CPA for a brutally honest spitball, today on Your Money, Your Wealth® podcast 538. Plus, Seth isn't sure if he can afford to stay retired at age 52, and whether he should convert his retirement savings to Roth, so he uses an AI voice to ask the fellas for his spitball. And Leon uses his real voice to ask whether REIT ETFs are a good way to get into real estate investing. (Until Big Al returns from his extended European Vacation, enjoy an encore presentation of these questions from an October 2024 episode of Your Money, Your Wealth podcast.) Free financial resources & episode transcript: https://bit.ly/ymyw-538 Test your knowledge: take our Retirement Pop Quiz Watch Retirement Pop Quiz: 18 Questions To Get You Ready to Retire on YMYW TV Download the Retirement Readiness Guide for free Email Us and Request a Free Copy of The Best of Jonathan Clements: Classic Columns on Money and Life on Kindle! Watch or Listen to “The Payoff is Huge”: Jonathan Clements' Final Initiative to Empower Lifelong Savers ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 01:03 - Can “George and Weezy” Retire in 2026 or Earlier With Deferred Compensation? (IL) 12:17 - Pop Quiz, Retirement Readines Guide 13:02 - Should I Move With Work, Take a Break, or Retire Now? Be Brutally Honest (Jenn, OH) 17:43 - Can I Stay Retired at Age 52? Should I Convert Retirement Savings to Tax-Free Roth? (Seth, Montana, AI voice) 24:34 - Ask Joe & Big Al for your Retirement Spitball Analysis, Schedule a Free Financial Assessment 25:30 - Are REIT ETFs a Good Way to Get Into Real Estate Investing? (Leon, Chicago - voice) 33:56 - Request a Free Kindle Copy of The Best of Jonathan Clements, Watch or Listen to “The Payoff is Huge”: Jonathan Clements' Final Initiative to Empower Lifelong Savers
You've got your tax-free Roth accounts and your tax-deferred retirement accounts. Should you invest the same way in each? Kevin in Denver wants to know. Jim and Pam in Orange County are eligible for combat zone tax exclusions (CZTE). How else can they maximize their tax-free retirement strategy? Susan Brandeis, CFP® spitballs with Big Al Clopine, CPA, today on Your Money, Your Wealth® podcast number 537. Plus, should Ned in Tokyo sell his Bay Area rental property and invest the proceeds? And Bob and Brigette in Wisconsin got a late start on Roth IRA savings. Should they prioritize saving into a Roth, brokerage account, or 401(k)? Free financial resources & episode transcript: https://bit.ly/ymyw-537 DOWNLOAD Why Asset Location Matters DOWNLOAD The Recession Protection Guide WATCH How to Build a Recession-Proof Portfolio on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 00:46 - Should the Asset Location of Our Accounts Be Independent of Each Other? (Kevin, Denver) 08:54 - CTZE - Any Other Ways to Maximize Our Tax-Free Retirement Strategy? (Jim & Pam, Orange County) 17:19 - Watch How to Build a Recession-Proof Portfolio on YMYW TV, Download the Recession Protection Guide 18:00 - Should We Sell a Rental Property and Invest the Proceeds? (Ned, Tokyo, Japan) 25:37 - Got a Late Start on Roth IRA Savings. Should I Prioritize Roth, Brokerage, or 401(k)? (Bob & Bridgette, WI) 34:49 - Next Week on YMYW Podcast
This week on the Journey to Launch podcast, I'm joined by Lori-Sara Gauthier, a public health worker based in Toronto who is in the thick of transforming her finances and her mindset. Lori-Sara recently paid off $14,000 in consumer debt, is working on eliminating her student loans, and is intentionally charting a path toward financial freedom. Lori-Sara opens up about her spending habits, emotional triggers behind money decisions, and the moment she realized something had to change. Through self-awareness, therapy, and learning about the FIRE movement, she's rewriting her money story and embracing the power of small, consistent actions. In this episode, we discuss: How Lori-Sara fell into and climbed out of $14K of credit card debt The emotional connection between childhood scarcity and adult overspending What she's doing now: building an emergency fund, tackling student loans, and investing for the future Why she threw a party to celebrate being debt-free, and how running helped her stay on track Her evolving thoughts on FI, public service pensions, and leaving room for future flexibility Other Links Mentioned in episode: Your Money or Your Life by Vicki Robin Clever Girl Finance by Bola Sokunbi You Need a Budget by Jesse Mecham Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide
Leave an Amazon Rating or Review for my New York Times Bestselling book, Make Money Easy!I've assembled three transformative money conversations, from investors who have cracked the code on building wealth differently. Chris Camillo shares how he turned social media observations into millions, proving that ordinary people have access to information Wall Street misses. Real estate mogul Glennda Baker reveals the brutal mistakes that taught her to build generational wealth through property. And Bill Perkins challenges everything you think you know about saving money with his "Die With Zero" philosophy. These aren't your typical financial advisors - they're wealth builders who've learned that the biggest risk isn't losing money, it's wasting your life working for money you never enjoy.Chris's book Laughing at Wall Street: How I Beat the Pros at InvestingGlennda on TikTokBill's book Die With Zero: Getting All You Can from Your Money and Your LifeIn this episode you will learn:How to turn every dollar into a potential hundred dollars through strategic investing mindset shiftsWhy women possess better investing instincts than men but rarely act on their social intelligenceThe real estate investment strategy that focuses on cash flow over ego-driven property purchasesHow to detect market changes through TikTok comments and social media trends before Wall Street noticesWhy giving your children money at 30 creates more impact than leaving them millions when you dieFor more information go to https://www.lewishowes.com/1787For more Greatness text PODCAST to +1 (614) 350-3960More SOG episodes we think you'll love:Chris Camillo – greatness.lnk.to/1771SCGlennda Baker – greatness.lnk.to/1651SCBill Perkins – greatness.lnk.to/1529SC Get more from Lewis! Get my New York Times Bestselling book, Make Money Easy!Get The Greatness Mindset audiobook on SpotifyText Lewis AIYouTubeInstagramWebsiteTiktokFacebookX