The Financial Road Trip's Podcast: Recent Episodes
thefinancialroadtrip
The Financial Road Trip was created by Albert Diaz with the vision of sharing basic financial knowledge about how money works -education we do not received in school.
Nearly one quarter of Americans have no emergency savings, according to a recent report.[i] Without an emergency fund, you can imagine that an unexpected expense could send your budget into a tailspin.
https://wfgconnects.com/albertdiaz/blog/4-easy-tips-to-build-your-emergency-fund
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First Time Home Buyer Advice - What I've Learned So Far FHA Loans are the Most used Type of Mortgage used by First Time Home Buyers If you want to know how to buy a house, you've come to the right place. First time home buyers tips and advice dave ramsey tips for first time home buyers..
By building a strategy for income from multiple sources, you’ll be much better prepared for retirement. Taking the time to prepare now is essential. Once you leave the workforce there might be less room for mistakes and fewer ways to earn additional income. When it’s time to retire, you’ll find that there’s no such thing as too much when it comes to retirement savings.
Nearly every working adult dreams of a comfortable retirement, to finally be free to enjoy life. If you’re approaching retirement age, it’s important to check on your numbers to be sure you’ve considered all the factors.
https://www.youtube.com/channel/UCzSmXG5x5Y-f8eNr7KGOkcQ?view_as=subscriber
When was the last time you looked at your life insurance policy? Do you even know where it is? People buy life insurance policies, tuck them away in a drawer and forget about them. They don’t realize that these documents should be reviewed often because life insurance needs change as personal or financial circumstances change.
Protecting your family with life insurance means not just having life insurance coverage for the primary breadwinner but also for the loved one whose labor – whether it’s inside the home, outside the home, or both – also contributes to the family’s well-being.
Even if you’re not married, life insurance can be part of a sound financial strategy. If you have loans, a mortgage or debt with a co-signer who would be responsible to complete the payments should you be unable to, then a life insurance policy can help ensure that these expenses are covered.
A sound strategy for your money is essential, starting as soon as possible is better than waiting, and talking to a financial professional is a solid way to get going. No message in a bottle sent from a more-prepared version of your future self is going to drift your way from Easter Island. But sitting down with me is a great place to start. Contact me any time.
Life insurance is less expensive than most people think. What’s stopping people from getting the life insurance protection they need? That pesky little myth that it costs too much.
A life insurance policy provided through your job is a great benefit, but it may not provide enough protection for you and your family.
Life insurance from your employer, called group term life insurance, is offered for free or at a low cost, and typically provides basic coverage of at least one year of your salary.
This type of life insurance has its pluses and minuses.
Although you may not have started your own family, you may provide or receive support from family members, and you don’t want to create a financial burden for them should something happen to you.
Life insurance can also offer living benefits and accrue cash value.
Americans owe over $900 billion in credit card debt, and credit card interest rates are on the rise – now over 15 percent. So if you’re on a mission to reduce or eliminate your credit card debt (go you!), you may be thinking you should close out your credit cards.
However, you need to know that doing that may have several effects, some of which may not be what you’d expect.
Most of us wish we could be debt free, but it seems like a dream reserved for a few financial wizards.
It is possible to become debt free. One method, the so-called “snowball” method, can be an effective way to get on top of those seemingly never-ending payments.
The snowball method of debt repayment is intended to help simplify the process, you’re starting with smaller balances and working your way up.
https://wfgconnects.com/albertdiaz/blog?query=snowball
Your credit score can affect a lot more than just your interest rates or credit limits. Your credit history can have an impact on your eligibility for rental leases, raise (or lower) your auto insurance rates, or even affect your eligibility for certain jobs. Because credit history affects so many aspects of financial life, it’s important to begin building a solid credit history as early as possible. So, where do you start?
You’ve set up your and organized your budget. You’ve discussed it with family members and anyone else to whom the budget applies. You’ve checked off all the boxes. Yet somehow – at the end of the month, the math isn’t working out. The budget is busted!