Mailbox Money: Recent Episodes
Jackson Wood
You Guide through Safe, Sacred, and Speculative investing with a plan and a purpose to do more good with new found peace of mind.
In this episode we talk about the return of dividends! We've seen some new surprising companies start paying dividends recently and we think talking through this decision can help investors understand where dividends belong in a portfolio.
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about sports and math and the intersection of both. In any investment we make, we care more about the direction of the moat rather than the size of the moat itself. One of the best examples we have of this is Dicks Sporting Goods.
To listen to our previous episode on this company:
https://podcasters.spotify.com/pod/show/mailboxmoney/episodes/Competitions-Special-Dividend-e20ca66
Schedule a meeting with our team:
team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about Bitcoin. We are incredibly proud of our longstanding belief in Bitcoin and we discuss recent changes in the landscape and how we frame Bitcoin inside of our portfolio.
To learn more, or to schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
The arc of complex data analysis surrounding any question now is expanding so fast that we wonder if investors are ending up farther away from the most efficient goal – a simple and repeatable solution
Are we talking basketball or stocks?
YES!!!
Join our bracket pool here: https://picks.cbssports.com/college-basketball/ncaa-tournament/bracket/pools/kbxw63b2geydknrqha3dk===?pool-join-key=8xem61ve4wdxgab8gk7iv1ejflixqlz4&invited-by=ivxhi4tzhiytkobrgu4tsnrs&via-medium=copy&ttag=FF24_lk_cbssports_cbb_bpm_copySetupInvite
email our team: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss something that we've recently changed our mind on, and something that's blown our minds.
So, what is Schmuck Insurance?!
We hope you enjoy this episode.
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we give specific examples of Yield on Cost and how powerful it can be for your portfolio - and peace of mind.
Often times investors find themselves searching for high yielding companies while ignoring those with a lower yield. Dividend growth investing can provide a growing stream of income, far surpassing the "safe withdrawal rate" while giving you upside growth potential.
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss benchmarking.
Many investors are confused. There are thousands of different indexes and benchmarks used by Wall Street. Instead of creating confusion, performance chasing, and potentially causing yourself problems, what if you benchmarked to Peace of Mind?
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we share 5 lessons we have learned to sprinkle the magic of investing across 5 kids (each!).
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode Ryan and Jackson discuss the most underrated question for investors:
"When can I get my money back?"
Liquidity is undervalued by too many. Those who understand its upside will tell you it's worth more than most features described on investment products. In today's episode, we're going to take you inside the belly of the best, giving you the pros and cons of these investment strategies.
To schedule a meeting with our team, email us:
team@freedomdaysolutions.com
www.freedomdaysolutions.com
We're back!
First off, we wanted to thank everyone that reached out during our hiatus. It means a lot to us that we have such thoughtful listeners and it felt good to read your messages.
In today's episode we go right at Wall Street and discuss our Holy Grail of Investing: Dividend Growth.
We believe that dividend growth provides answers to financial planning and investment management's most difficult questions.
We hope you enjoy the episode and we will see you next week.
To schedule a meeting with us, email: team@freedomdaysolutions.com
www.freedomdaysolutions.com
Jackson goes solo and shares incredible investing (and life) lessons from the late Charlie Munger.
Charlie Munger passed away in November 2023 at the helm of Berkshire Hathaway.
Not only was Charlie an incredibly wise investor, he was a great person and we are fortunate to be able to learn from him
www.freedomdaysolutions.com
This week we wanted to share a wonderful podcast Ryan had the honor of being on, Chasing What Matters.
The Chasing What Matters podcast is hosted by Glenn and Jacob Robinson (father and son) and brings you interviews with industry shaping leaders from all walks of life to discuss their leadership principles and how that mixes with their faith.
You will hear the stories of success and failures from individuals in hopes that it will help you write your own story.
You can listen here:
https://podcasts.apple.com/us/podcast/chasing-what-matters/id1527359046
www.freedomdaysolutions.com
In this episode we discuss performance chasing versus sticking to an evidence based investment strategy designed to help you reach your goals.
We cite a study from Vanguard about the outperformance of sticking with a specific strategy compared to performance chasing and how you can reach your destination faster by remaining confident in your approach.
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
We all have a lot to be grateful for. In today's episode we discuss some of the many things we appreciate.
We are grateful for you listening to our show!
www.freedomdaysolutions.com
In this episode we talk about the incredible story of Theodore R. Johnson. Mr. Johnson never made more than $14,000 a year, but he invested wisely so wisely that he made $70 million by the time he was 90 in 1991.
Today we are going to share one of the most incredible stories we’ve been lucky to learn from, born from the simplest of all stock market math – do you have debt or cash?
This company is another example of why we believe in actively managing two different stock portfolios. The backbone for everything we do is dividend growth. But getting dividend pay raises each year, to go along with safe money set aside in bonds, insured deposits and cash – allows us the freedom to explore for some unusual businesses with unconstrained upside that may not choose to pay a dividend, but instead reinvest back into their own business for us as stakeholders to share in future growth.
www.freedomdaysolutions.com
In this episode we look at a time period, 13 years to be exact, where the market returned a total of -2.97%. Now this isn’t a prediction of what we will see for this decade, but it proves a valuable lesson for all investors, especially those willing to pop the hood and dive in a little deeper.
We recently saw and advertisement in the Wall Street Journal, for a “special CD rate of 6%.” It took us reading the footnotes to discover the truth.
In this episode we discuss Bank Yourself, our version of earning an attractive rate on Safe Money, cutting out all the middlemen and doing exactly what the banks do, for yourself.
In this episode we discuss the uncommon upside found in capitalism and how it can benefit those most in need. We also discuss Donor Advised Funds and how they can play an incredible part in your own financial plan. To schedule a meeting with our team, email us at team@freedomdaysolutions.com
In this episode we discuss a valuable lesson we learned while in Chicago. We discuss one of our opportunities, why we believe it’s an uncrowded and overlooked company and share some of the math behind our research.
To learn more, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
One of the unfortunate aspects of speculation is that price often drives narrative. Nowhere is this more obvious that in cryptocurrency and crypto assets.
I’ve been investing and involved in crypto since 2012. Since then, we’ve seen 3 very large “super cycles” in crypto.
As the price goes up, more and more people start to talk about crypto and how it’s going to change the world, disrupt industry, and whatever else they say.
2020 was the start of one of these cycles, and it lasted until 2021.
The good news is that while all the news outlets and talking heads have long since moved on from discussing these assets, the real community is stronger than ever before and we might just be on the cusp of a new cycle.
One of our humblest but largest disagreements with most investment professionals is that Growth OR Value is the wrong question.
Why not be selective enough to wait for BOTH?!
Today, we’ll share a specific example that is one of our favorites overlooked and misunderstood industries that we believe offers a giant opportunity going forward.
Peter Lynch once said, “Behind every stock is a company. Find out what it’s doing.”
For every investor and their investment journey, there ultimately comes a time when one of their holdings experiences some sort of trouble.
It really doesn’t matter how much research you’ve done, or how convicted you are on the company, things change.
Their change is unpredictable.
In this episode we discuss ur 3 simple rules for Sell Discipline, that have worked wonderfully since 1998.
In this episode we discuss Freedom Day. In the midst of complex retirement planning strategies, often designed to enrich Wall Street, we explain our process and share what goes into building a Freedom Day plan.
We believe that when you have multiple streams of income, that grow above the rate of inflation, exceeding your expenses (needs and wants), you’ve reached your Freedom Day.
To schedule a meeting with us, email: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss the disciplines and freedoms of active management. When grounded in evidence-based data, we find ourselves far away from the crowds of predictions and anxiety. Today we’re going to take you into one of our Stock Tournaments: the 5-Tool Prospects!
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
Bank deposits have hit an all-time high with $10.7 Trillion sitting in checking and savings accounts. With rates having gone up significantly the last two years and the average U.S bank savings rate only yielding 0.07%, it’s vitally important that investors know how to “bank themselves.”
Email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
Cash is yielding more now that it has in a long time. A lot of investors are flocking to cash as the current market and economy is scaring them. In this episode we discuss the historical opportunities seen after money market rated peaked and the outperformance, over time, of a dividend growth strategy. To schedule a meeting with our team, email us: team@freedomdaysolutions.comwww.freedomdaysolutions.com
In crunching through a couple thousand tickers in our Stock Tournaments this weekend, and then in looking one by one at about a hundred different price charts, we were compelled to share some Grace and Peace of Mind to anybody wondering what the heck is going on.
We want this podcast to always be the place we share our open playbook and our thoughts and ideas.
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
As dividend growth investors, our goal is to generate a rising stream of sustainable dividend income, through careful investment in quality dividend growth stocks.
Our investment plans are not dependent on market fluctuations.
In fact, even if they closed the market tomorrow, I don’t think it would matter much. That is because most my stocks would keep sending me quarterly dividend checks.
We simply focus on quality dividend stocks, which we try to purchase them at attractive valuations. We try to focus on companies which have the capacity to boost distributions over time.
In this episode we discuss the benefits of our approach and invite you to reach out and chat with our team.
Email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
Today we’re going to look inside one sector of the stock market with two of the wildest facts we’ve ever found.
As we look at consumer discretionary businesses, we realize the opportunity offered as part of our Speculative sleeve of investment portfolios.
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about cash. We go over where it belongs in a portfolio, how much we hold, and how to think about cash inside of your investment account.
We discuss our Simple Portfolio:
Safe Money
Sacred Money
Speculative Money
To schedule a meeting with our team, reach out by emailing: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In todays show, we go over some investment ideas we learned about during recent road trips with kids. As we drove around the country we connected the dots from our research in the office to hands-on unique and uncrowded opportunities.
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss a sizzling opportunity we came across in one of the most important commodities that isn’t well understood - electricity.
We talk through the shift from coal fired power to a nation and world of clean energy, and what it takes to get there.
In today's episode we want to celebrate small business and business owners. We discuss a subscriber question from Greg: "I trust you with my treasure, so I can decide where my time and talents go. You left a large firm and started over again with nothing. What was that struggle like, because I wonder if I’m addicted to a paycheck? Would you please explain what you meant by your highest ROI will be from your craft?"We also highlight some incredibly powerful market statistics, that we think present a huge uncrowded opportunity for investors. If you haven't subscribed to our YouTube channel, you can do that here: www.youtube.com/@yourmailboxmoneyTo schedule a meeting with our team, or to submit BBQ team names and win a Mailbox Money hat, email us: team@freedomdaysolutions.com
Title: Where to Hide
In this episode we discuss recency bias. How it’s seen in a simple game of Hide and Seek with your kids and especially in markets and investing.
When markets get tough, the gurus come out in full force claiming that they know where to allocate funds better than others.
We recommend a different approach: hiding your money in a story.
And the story we love most of all, for answering your most important financial questions: Rising Dividends.
The story of rising dividends not only answers questions that impact your financial future, but is also backed by over 200 years of mathematical evidence.
We hope you enjoyed this episode. If you’d like to schedule a meeting with our team, emails us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss our approach to technical analysis. Not only do we pop the hood and do bottom up fundamental analysis, we also look at the top down technical analysis of each stock and sector.
We discuss the reasoning behind looking at both fundamentals and technicals, share examples of recent surprising moves in certain sectors, and discuss opportunities that disciplined balance can unleash.
If you liked this episode, we’d greatly appreciate it if you left a review and shared the podcast. It helps us tremendously.
To schedule a meeting with our team, email us:
team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode Ryan shares the notes he’s taken especially for his graduating senior.
He shares 4 quarters of advice:
Dare to be Different
Work Life IMbalance
What it Means to Be a Real Man: LIFT
TRUST in Time
If you liked this episode, we’d greatly appreciate it if you left a review and shared the podcast. It helps us tremendously.
To schedule a meeting with our team, email us:
team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about the certain values we try to teach our kids about money.
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The Value of Money
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Saving Money
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Debt can be a tool, or a weapon of mass destruction
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Invest WITH your kids
-
Aaron Watson’s life advice
-
The Power of Compounding
We referenced this earlier episode:
https://youtu.be/isVXg_MK3_k
And this blog post by Ryan:
https://www.freedomdaysolutions.com/post/delivering-on-the-300-hour-rule
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
We recorded this on May 5th, which was the two year anniversary of our dividend growth fund. Central to our strategy is owning companies that increase their dividend, which ultimately results in growing income for stakeholders.
In this episode we discuss:
• The Banking Crisis (revealing who the huge winner is in the midst of the chaos).
• Inflation and Interest Rates Toll on Consumers
• Why consistence always pays off
• And how capitalism rewards problem solvers
To schedule a meeting with our team, email us:
team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about the original Mailbox Money. We go all the way back to 1850 when American Express established the first private pension plan in the United States.
In 1978 Ted Benna discovered a small paragraph “k” in IRS code “401” which allowed employers a tax break for allowing their workers to save a little extra money to supplement their defined benefit plan. What Bennas discovery set off has resulted in a $6 trillion dollar misunderstanding that Benna now calls “a fluke.”
401(k) plans are not retirement plans, but the good news is that pensions are still available and when used correctly can be tremendously powerful for your very own Freedom Day plan.
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss one of our Speculative Investments: Cryptocurrency
The last year has been a rollercoaster for crypto. We've been bombarded by bad news, negative headlines, and a seemingly endless supply of negativity from the crypto space.
Yet, the coins themselves tell a different story.
Join us for a deep dive into some of the innovation and opportunities we're seeing in crypto and why it's still an emerging asset class that we are investing in - and excited about.
To learn more about our crypto strategy, visit: www.freedomdaysolutions.com/crypto
www.freedomdaysolutions.com
There is a lot of confusion in the world of investing. As investors we are constantly inundated and asked to pick a single investment strategy from the very beginning.
Growth or Value Investing
Cyclicals or Secular
Cash Flow or Compounders
Silicon Valley or Permian Basin
Small Cap or Large Cap Investing
US or Global
Active or Passive...
…what if you could turn every OR into an AND, while reducing the number of holdings with a simpler playbook that works ACROSS market cycles, never requiring you to predict one?! We're going to show you how!
In this episode we break down over 25 years of experience and show you what works - ultimately leading to better investing and more peace of mind.
We discuss:
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Defense and Offense
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Sacred Money and Speculative Money
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Momentum is Real
-
Skin in the Game
We hope you enjoy the episode. If you would like to schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss the power of dividend growth investing. We discuss the simple operating system we learn from Warren Buffet, talk about active management in investing, and go through the math behind dividend growth. To schedule a meeting with our team, email us: team@freedomdaysolutions.comwww.freedomdaysolutions.com
To watch on YouTube: https://youtu.be/eX5DrAACFek
The last few weeks have been pretty eventful in the markets. All of the sudden, everyone is wondering "Is my safe money really that safe?"
In this episode we pull back the curtain on Safe Money and discuss 5 simple concepts that will help you understand how to allocate your Safe Money, so that it always remains safe.
We discuss:
- What just happened to banks and what can be learned
- Our timeless solution: Bank Yourself
- How there are no crowded lines at the bank when no one else runs YOUR bank
- The best kept secret off of Wall Street
- and how the key to your safe unlocks more upside!
If you enjoyed this podcast, we'd be thrilled if you left a review and shared it with someone you care about.
As always, we'd love to help you build a financial plan! To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we have special guest, Nate Geraci, on the show to discuss crypto and the Grayscale Bitcoin Trust (GBTC).
Our firm offers Freedom Day Crypto Assets, an actively managed crypto strategy with direct ownership of cryptocurrency and all of the intrinsic benefits of the asset class. There are many ways to own cryptocurrencies, and while our preferred method is directly held crypto assets, we wanted to open the discussion to the entire ecosystem and gain a deeper understanding of the current market situation.
We asked Nate to come on the show to share his knowledge on the current situation with Grayscale and other exchange-traded crypto products. "A rising tide lifts all boats" is something we truly believe in, and we are excited to see the continued growth of cryptocurrencies and related exchange-traded products. There have been tremendous advancements and opportunities as cryptocurrency and traditional finance have crossed paths and are striving to become more intertwined.
These advancements have been met with roadblocks, including a heated lawsuit between Grayscale and the SEC, crypto failures and frauds, and an uncertain path forward regarding exchange traded crypto products and strategies.
We hope you enjoy our discussion and we are happy to answer any questions you might have!
Nate is the President of the ETF Store, a fee-based Registered Investment Advisory firm, Host of the popular podcast ETF Prime, and the founder of the ETF Institute. You can follow Nate on Twitter here.
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com/crypto
In this episode we dive into our simple and repeatable process that allows us to understand what is happening in the markets.
Ryan tells the incredible story of and incredible entrepreneur that has resulted in $332 Million of dividends being paid to stakeholders this year and a $12 Billion dollar company.
We discuss our Simple rules:
- Stay Curious, Never Convinced
- “Goal is to Get Half our Misses”
- Self-Scout
- “Skin in the Game”
- Unlocking Surprising Upside
To schedule a meeting with our team, email us at: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we pull out some classical literature, specifically Homer's Iliad. We talk about the story of Odysseus, and the Song of The Sirens. I promise it relates to investing!
We discuss:
- Looking at dividends over market prices
- Problems with the 4% Rule
- Emotional benefits of focusing on dividend income
- Sell-stops
If you'd like to schedule a meeting with our team, email us at: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about international investing.
Ryan shares a great story that made him think about the benefits of investing over seas.
We go through some compelling math that we see popping up in international markets.
We talk about two strategies we use, in our personal accounts, and for those that we work for, to invest in international markets.
To see all of the charts we mention in this episode, follow the link to our YouTube channel: https://www.youtube.com/@yourmailboxmoney
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
***to view the charts: https://youtu.be/xPr4_m7WkGE
In this episode we talk all about dividends.
We dive into:
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Market volatility viewed through the lens of dividends
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Stakeholder vs. trader mentality
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Why a company may or may not pay a dividend
...and much more!
We hope you enjoyed this video.
If you did, please subscribe to our show and we would appreciate a review!
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss IRR.
Inspired by a dear friend, we talk about changing the definition of Internal Rate of Return (IRR), into something more important and more long-lasting.
Who is measuring our true internal satisfaction with an investment?
Your IRR: It's Real & Repeatable
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss The Simple Portfolio.
The Simple Portfolio has 3 components:
Safe Money
Sacred Money
Speculative Money
We walk through our framework for each category and give examples of each.
To learn more send us an email: team@freedomdaysolutions.com
www.freedomdaysolutions.com
We firmly believe that math beats opinions.
Often times, subtle improvements in companies are ignored by those searching only for dominance. When that improvement accelerates, the stage is set for shocking upside.
The crowds look at the size of the moat, but we like to study its direction. And any moat can spring a leak.
In this episode we discuss our stock tournaments and how we narrow a massive field of competitors down to a simple roster of 50 stocks.
Ryan gives a shockingly simple example describing how many stocks in the S&P 500 would be eliminated by a simple 4 question test.
To schedule a meeting with our team, a get started building towards your own Freedom Day, send us an email: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about what investors can learn from pigeons. On a recent weekend getaway, Jackson realized the powerful difference between rabbits and pigeons - and relates it to investors and market risks.
We discuss how stakeholders can benefit from inflation, how sometimes not taking risk can be a risk itself, and we go over the beautiful simple math of mailbox money.
We discuss how sometimes you have to adopt a long term strategy to insulate against short term risks and sometimes you have to get comfortable with risk in order to get what you want.
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about the biggest concerns investors currently have, and why we are getting pay raises because of them!
-Inflation
-Interest Rates
-Stocks and Bonds losing value
-Consumer and Housing concerns
...and the growing flock of black swans we hear all around us.
To schedule a meeting with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we go over the new contribution limits for retirement accounts in 2023.
2023 Retirement Contribution Changes
401(k) – Limit of $22,500
401(k) for 50 and older - Limit of $30,000
Roth IRA - Limit of $6,500
Roth IRA for 50 and older - Limit of $7,500
Backdoor Roth – If your Joint MAGI is greater than $228,000 or $153,000 as a single filer, you must use the "backdoor Roth IRA contribution"
Traditional IRA - Limit of $6,500
Traditional IRA for 50 and older - Limit of $7,500
SEP IRA - $66,000 or 25% of taxable income
Simple IRA - $15,500
HSA Single - $3,850
HSA Family - $7,750
*we also go over a under-appreciated tactic of HSA accounts
529 – each individual can contribute $17,000 per year
*we also go over some great changes made to the 529 account rules for 2023 and 2024
At the end of the episode we go over one of our favorite strategies for taxable accounts.
To schedule a meeting with our team, email us at: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we give you a sneak peek at our Annual Picture Book.
2022 was a very eventful year and we go through some things that stood out to us.
If you'd like to receive a copy of our Picture Book, you can subscribe to our email list by visiting our website: www.freedomdaysolutions.com
Thank you for watching!
Would you rather have a new fast car or an old coffee table?
In this episode we talk about growth vs. value stocks. Instead of taking a side in the great debate, we take a different approach. It doesn’t have to be one or the other, it should be a balanced solution that improves your life.
To schedule a call with our team, simply send us an email: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about partnerships.
Strong partnerships are the foundation of our business, our lives and our financial plans.
We believe that the right partners can make your life and financial plan a whole lot better.
Jackson referenced a podcast, that's worth listening to, here: https://www.profgalloway.com/friends/
If you'd like to schedule a call with our team, please email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
This is a personal episode.
We give you a peek into a bigger purpose, one that we've learned from investing and we also discuss the best opportunity that we've seen to earn more financial freedom.
We discuss our views on what success looks like and where we believe it comes from.
We hope you enjoy this episode and if you do, we'd love if you'd spend a second to leave us review and share it with a friend.
To schedule a meeting with our team, email us at: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about the most valuable math of all: YOUR Yield on Cost, which we affectionately call Mailbox Math.
When building a retirement plan, the most powerful metric we look at is the free cash flow generated from the investments you hold.
We go over the compelling math behind dividend growth and break down some examples of how powerful this concept can be for your own financial plan.
If you enjoyed this episode, we'd appreciate it if you'd rate the podcast and share it with a friend.
To reach out and schedule a meeting with our team, email us at: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss the 3 rocks of investing.
When we start or analyze any financial plan, we look at our "3 rocks" before we do anything else.
Our 3 biggest rocks of Investing are:
Risk
Cost
Taxes
We sure appreciate you listening to our show. If you've liked it, please share it with a friend and consider leaving us a rating.
To schedule an appointment with our team, email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss how we invest for and WITH our kids. We use the same strategy for their accounts as we do in our own investment portfolios.
We discuss our "Simple Portfolio" which is composed of Safe Money, Sacred Money and Speculative Money.
We talk about the incredible opportunity we are seeing in the Safe Money category by investing in individual bonds and tax-free municipal bonds, the idea of owning investments that pay increasing income over time and selecting individual stocks to hold with our kids.
To schedule a call with Ryan or Jackson, please reach out at: team@freedomdaysolutions.com
www.freedomdaysolutions.com
Bonus: here's a sneak peek at the newest member of our team https://twitter.com/jacksonwoodHQ/status/1589421733232381952?s=20&t=6EwpdaytqUzwe_1tRnFfGQ
In this episode we do a deep dive into Ethereum.
We discuss the basics of the technology that powers Ethereum, how it differs from Bitcoin and talk about some practical applications of smart contracts.
We actively manage crypto asset portfolios for our clients. We've been invested in the crypto space since 2012 and believe that, for the right person, crypto assets can be included in a portfolio.
If you'd like to discuss how crypto might play a role in your portfolio, or to learn more about how we actively manage crypto assets, please reach out to us!
team@freedomdaysolutions.com
Visit our website at: www.freedomdaysolutions.com
We're very thankful for those of you that have reached out to us and would greatly appreciate it if you subscribed to the podcast and, if you like the show, sharing it with your friends.
In this episode we discuss the bond market.
We cover how the bond market works, how the 60/40 portfolio has felt this year, and talk about our better and safer solution.
If you've got any questions or would like to schedule a call with Ryan and Jackson, please reach out.
team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss 5 keys that we have found that give anyone a chance to achieve unusual upside in the Stock Market.
To schedule an appointment or call with Ryan and Jackson, send us an email at: team@freedomdaysolutions.com
Visit our website:
www.freedomdaysolutions.com
A lot of financial plans are built on the assumption that 4% of the portfolio can be withdrawn every year.
Ignoring all of the tailwinds that make this math possible, we ask ourselves: "Is there a better way?"
We dive into our "Mailbox Math" and discuss why we build financial plans based around the free cash flow that our investments generate.
We talk about why this is superior to the 4% rule, help our investors sleep better at night, and create simple and easy to understand financial plans - that have stood the test of time for over two centuries.
To contact us, email:
team@freedomdaysolutions.com
Visit our website:
www.freedomdaysolutions.com
In this episode we discuss the real world use cases of crypto.
We all know it's a great trading vehicle but in order for us to invest in something, we require there to be a use case beyond simply trading.
We dive into some of the valuable use cases of crypto and real world applications of the technology.
We recently launched a crypto offering.
To learn more about it, email us at:
team@freedomdaysolutions.com
www.freedomdaysolutions.com/FDCA
In this episode we talk about what happens when the market returns to normal.
In the middle of a difficult year, we talk about the reason we're so optimistic and excited for the future.
We discuss our simple playbook, the GOOD news for savers, and talk about some Mailbox Math that gets us excited.
We've certainly appreciated everyone that's reached out and hope many more people continue to do so.
Send us an email: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about Game UNchangers.
While the crowds’ anxiety rises, often our instincts are to make bold predictions and “call it.”
We’ll suggest you try a different path and ask yourself what is LEAST likely to change?
What’s one thing you will do just like your grandparents did?
What businesses and industries are likely to look the same in the future as they do now?
If you'd like to chat, please feel free to reach out.
team@freedomdaysolutions.com
www.freedomdaysolutions.com
We get a lot of questions from people who want to get started with investing.
Make no mistake, we love these types of questions.
In this episode, we walk through our process on taking the first step and beginning your investing journey.
We talk about cash flow planning, eliminating small debts, building a cash reserve, and then investing your hard earned money and working towards your very own Freedom Day.
If you'd like to get started please reach out: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about red flags and sell disciplines on stocks.
There's a popular saying in investing: "Buy when there's blood in the streets."
A lot of investors interpret this to mean that if they liked buying a stock at $100, they'll LOVE buying it at $50.
We take a different approach:
-
If there's blood in the streets, it has to be for a reason.
-
Is there a better street for us to go down?
Averaging down on a losing position is one of the biggest mistakes many investors make.
Even the biggest moats can spring a leak, which is why we use nothing but math when making (or exiting) an investment.
Some of the most popular investment strategies (including the Dividend Aristocrats) have bad math and we talk about the poor fundamentals of these investment strategies.
We dive into the surprising math of these strategies.
We also share our 3 simple rules of sell disciplines, which haven't changed since 1998.
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Position size limits
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ZERO averaging down
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Have a sell stop defined BEFORE purchasing a stock.
We hope you enjoyed this episode.
As always, feel free to email us: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about Mailbox Math.
After spending the first part of our careers inside the belly of the beast of confusion, Jackson as the largest retirement accounts firm and Ryan at the largest bank and brokerage firm in the world, we had the enormous advantage of seeing the most complex and sophisticated models, calculators and tools.
And we escaped to share the truths we learned... that you can do it all better with the back of an envelope and pencil.
We do a deep dive into Yield on Cost (YoC) and give specific examples of how this concept works.
If you'd like to chat with us, please reach out: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we’re going into the lab to share the anatomy of an un-crowded investment.
A good place to always start for anybody is to ask yourself:
What’s one objective truth you find most people are ignoring?
Or even better, disagreeing with?
You might be next to undervalued dividends that can be increased the most.
This podcast will be the least popular idea we’ve ever shared!
Read Ryan's article here: https://www.marketwatch.com/story/energy-stocks-have-a-sustainable-future-their-dividends-11659306510
As always, please reach out: team@freedomdaysolutions.com
In this episode we talk about how we require every financial plan to be built around the free cash flow generated from the portfolio.
We believe that all financial plans should require - and use - the same math as the best businesses we invest in.
We turn Wall Street's ROI upside down.
Instead of ROI we use IOR: Income, Opportunity, Reason.
We also discuss the Holy Grail of Free Cash Flow: Deeply Informed Simplicity.
To learn more please visit our website: www.freedomdaysolutions.com
Feel free to email us: team@freedomdaysolutions.com
In this episode we discuss our framework for investing in crypto assets.
We discuss:
White Papers
Tokenomics
On-chain Analytics
We also have a discussion about Ethereum. The biggest upgrade in the history of Ethereuem is set to occur on September 14th. We talk about our approach to managing a crypto portfolio.
To learn more please visit our website at: www.freedomdaysolutions.com/FDCA
In this weeks episode we talk about the healthcare sector.
Problem solving is the best business, in every sector. And yes, that means a lot of profits should be made. It is not a conflict of interest; it is the purest incentive. Companies that stand the test of time reward stakeholders, by reinvesting capital better than others. They increase their advantages for the right reason – to go solve more problems. Only after that, are the best operators able to share excess free cash as a dividend. Dividends don’t lie, aren’t an accounting trick, and are not anybody’s opinion of what should happen next. A dividend can only be paid from what is happening. And there's a lot of good happening. Enjoy!
Please reach out to us with any questions.
www.freedomdaysolutions.com
In this episode we discuss playing the long game, in life and investing.
Ryan shares a story about his first years on Wall Street.
While everyone is out looking for the next hot stock, he explains what we look for and how we analyze companies.
We then tell some amazing stories of success and the mentality that drove some incredible individuals through their lives.
Please reach out with any questions.
team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss our process for selecting stocks that we believe are good investments.
“I hate losing more than I love winning.” -Beane
This is the first, of many reasons, we believe in active management. Not to be a hero but rather to avoid companies with zero improvement. In a world of endless opportunities, the first question isn’t what do we like, but what should we NOT own.
“Your goal shouldn’t be to buy players, it should be to buy wins.” -Brand
We also discuss our process more in-depth.
Our 5-Step Process:
1) Operating Advantage
2) Quality of Growth
3) Direction of growth
4) Price
5) Balanced Roster
If you'd like to learn more or to chat with Ryan or Jackson, please don't hesitate to reach out.
www.freedomdaysolutions.com
In this episode we discus the "safe withdrawal rate" and why we believe it isn't all that safe.
Is there a simpler solution that stands the test of all times and removes friction and flinching?!
What if there is something better than trying to time the second half of life like it’s coasting into the gas station on fumes.
If you'd like to learn more, please reach out to us by emailing:
team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about the current state of the markets.
It's no secret that this year has been a tough one to navigate.
During this difficult year, certain companies have increased(!) their dividend.
We discuss these companies and the industries they're in.
Please reach out to us with any questions.
We'd love to help you get started investing.
team@freedomdaysolutions.com
www.freedomdaysolutions.com
Link to the blog post by Ryan mentioned in today's episode: https://www.freedomdaysolutions.com/post/energy-smuggling-good
In this episode both Ryan and Jackson share their origin stories and how they first began investing.
The great thing about our modern investment platform is that anyone at any age, regardless of how much money they have, can get started investing.
If you'd like to chat with us please email: team@freedomdaysolutions.com
Visit our website at:
www.freedomdaysolutions.com
In today's episode we discuss our best investment advice for those just starting their investment journey.
We cut through all the fluff and confusion and Ryan delivers his battle-tested ABC's of investing.
The best part? You don't need millions of dollars to start.
We love working with those just starting out and would be thrilled to help anyone!
Email: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss our 1-Page All-Weather Simple Portfolio.
We discuss why we have the following positions in our portfolios:
Cash - Underrated peace of mind
Tax-free Insured Municipal Bonds
and
Dividend Growth Stocks.
We call this mix of assets "Mailbox Money" and it allows for total financial peace of mind.
We'd love to help you build your own.
team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk all about cryptocurrency and the history of the asset class.
We look at crypto as a speculative asset class. We allocate to crypto after we have allocated to safe and sacred money. This means that we don't have any scared money invested into an asset that will experience extreme volatility. We are able to observe crypto through the lens of opportunity.
To learn more please visit www.freedomdaysolutions.com/crypto
Please email us at: team@freedomdaysolutions.com
In this week's episode we talk about Rising Dividends.
We answer the question: What if the Market doesn’t always go up?
We also discuss our favorite topic in investment management:
Mailbox Math
A lot of the finance world spend so much time debating Growth OR Income. We believe that's the wrong question. We look at Growth OF Income!
We also go though our 5-Step Process for selecting investments...
Thank you for watching.
www.freedomdaysolutions.com
Of all financial planning, investment management and retirement advice topics and countless questions...there are only two questions we have found that matter across three decades and every type of market condition and three generations of family’s situations of every kind.
Am I going to be okay?
How much is enough?
Please subscribe and share this episode!
Email: team@freedomdaysolutions.com
www.freedomdaysolutions.com
The first municipal bond was issued more than 200 years ago. None of the fixed income products or bond replacements that have been invented by Wall Street ever since, sit inside our accounts.
Transparent Simplicity in your own name is greater than leveraged yields, hidden risks, costs, etc.
If you buy and hold to maturity you will never once have to read an article about the Federal Reserve, yield curve, economic forecasts, credit risks and most importantly have complete JOMO on all the new shiny products stretching for yield!
If you'd like to learn more, please reach out: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we talk about the GRINdex.
We always wondered with thousands and thousands of indexes available to measure (and confuse) investing benchmarks, why isn’t there one for peace of mind?
There are 2.96 million investment indexes, and millions more investors w anxiety over questions like active vs. passive investing. That supposedly passive indexing number has change more than 20% in the last year alone!
So, we went to work solving that problem with the best data we had access to – our notes from progress meetings over 30 years.
If you'd like to talk more about building your own GRINdex, please reach out!
Email: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In today's episode, we open our entire playbook.
We walk through our framework of Safe Money, Sacred Money, and Speculative Money.
As always, please reach out with any questions you might have.
Email: team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode, we talk about growth stocks.
We discuss how we believe they fit in a portfolio, why we believe they present a good opportunity and how we go about allocating to these strategies.
As always, thank you for listening!
To learn more, visit www.freedomdaysolutions.com
Reach out: team@freedomdaysolutions.com
In this video we talk about speculative investments, specifically about cryptocurrency.
We discuss how we think of crypto and how we manage portfolios for our clients.
If you'd like to learn more, please visit the crypto section of our website at:
www.freedomdaysolutions.com/crypto
As always, thank you for watching!
In this episode we discuss pensions. If you have one from your work, you're among the few left that still have this valuable tool. If you don't have them through work, like us, you can still use them in your own financial plan. To contact us, please email at team@freedomdaysolutions.com www.freedomdaysolutions.com
In this episode we discuss:
What’s the right age, how much, which investments do you choose when making investments for your kids?
Let us suggest a different approach that is much more fun and LOTS more is learned (both ways). Invest WITH your kids.
- Step 1: Supper Table Talks
- Step 2: Sacred business riddle
- Step 3: Speculate
Timeless Steps to getting this right!
Thank you for listening to Mailbox Money!
If you've enjoyed the show, we would appreciate if you subscribe and share the podcast.
If you'd like to reach out to us, send an email to team@freedomdaysolutions.com
www.freedomdaysolutions.com
We've realized that there are only 2 questions in financial planning that really matter.
The first one is "Am I Going To Be Okay?"
We discuss:
- Having some money completely removed from harm’s way
- “Conservative” is not always Safe.
- Bond Funds, Yield Products, Real Estate, Frankenstein Funds
- Return OF my money, Risk Free: CD,TSY,Muni,Pensions
- Removing Friction Points: Risk, Costs, Taxes is making money
- Cash Reserves = NO scared money invested
- Holy Grail + if it can’t be explained to spouse shouldn’t be in your house
Thank you for listening to Mailbox Money!
If you've enjoyed the show, we would appreciate if you subscribe and share the podcast.
If you'd like to reach out to us, send an email to team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss how we do financial planning for ourselves and the clients we serve.
We discuss:
- Safe, Sacred, Speculative Investing
- 3 Rocks Rule for ANY plan not just investing
- Planning One Pager: Multiple Columns of Mailbox Money
- Progress Reviews not Predictions
It’s alive it has to be fed and groomed, this isn't something you set up once and ignore for the rest of your life.
Deeply informed simplicity is the Holy Grail!
Thank you for listening to Mailbox Money!
If you've enjoyed the show, we would appreciate if you subscribe and share the podcast.
If you'd like to reach out to us, send an email to team@freedomdaysolutions.com
www.freedomdaysolutions.com
Today's show is all about DIVIDENDS! We cover:
- What is a Dividend?
- Dividends are cash payments. Simple math, not opinions or predictions.
- Of all investment metrics, dividends alone stand the test of time for 200+ years.
ANYbody can open their mailbox to hold in your hand a dividend to know what is real, not potentially a good idea. A dividend is clear evidence of what IS happening inside a business, not what anybody believes should happen.
- All dividends are NOT the same.
- We’re only interested in Quality Dividends that are Rising
- Big dividend yield is often an even bigger red flag.
- Where is it coming from and how safe is it? Top line, margins, debt, CASH
- Size of a moat attracts the crowds; its direction is more important.
- Dividend increases are the single best clue to improvement inside a business and how they believe long-term stakeholders should be treated.
Growth or Income?
These debates miss the answer for the biggest question going forward – how to achieve growth OF income?! A rising dividend has an unparalleled track record.
If you’re eventually going to live off a nest egg, withdrawals are not income. Dividends are free cash flow, not relying on profits or pulling principle.
Dividends are NOT reserved for retirees – the earlier you start the bigger YOUR yield will be! Dividends do NOT have to be slow growth. Common misconception.
$100 in 1973 in S&P non-dividend payers grows to $1k. In dividend growers almost $14k.
Thank you for listening to Mailbox Money!
If you've enjoyed the show, we would appreciate if you subscribe and share the podcast.
If you'd like to reach out to us, send an email to team@freedomdaysolutions.com
www.freedomdaysolutions.com
What do we mean by Bank Yourself?
Follow the money into the bank vault and ask what do they do with each of your dollars before they pay you interest on it?
What if you cut out the middleman & friction points?
We truly believe that the markets are rigged…FOR the little guy. We cover every step of this in this eposide!
Thank you for listening to Mailbox Money!
If you've enjoyed the show, we would appreciate if you subscribe and share the podcast.
If you'd like to reach out to us, send an email to team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss Crypto Assets.
How do you invest in crypto, where do they fit?
To learn more about our actively managed crypto strategy, please visit our site:
www.freedomdaysolutions.com/crypto
Thank you for listening to Mailbox Money!
If you've enjoyed the show, we would appreciate if you subscribe and share the podcast.
If you'd like to reach out to us, send an email to team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this episode we discuss:
Assets < Income
Retirement < Freedom
We believe every plan needs the following: Multiple streams of income (Risk Free + Rising Income) in order to bring Peace of Mind and answer the only 2 questions that matter!
Thank you for listening to Mailbox Money!
If you've enjoyed the show, we would appreciate if you subscribe and share the podcast.
If you'd like to reach out to us, send an email to team@freedomdaysolutions.com
www.freedomdaysolutions.com
In this week's episode, we talk about taxes.
We talk about:
- Building a more tax-efficient playbook
- Building tax-deferred growth and tax-free income
and we answer an underrated question alongside all the How’s and What’s of investing….WHERE TO INVEST?
Thank you for listening to Mailbox Money!
If you've enjoyed the show, we would appreciate if you subscribe and share the podcast.
If you'd like to reach out to us, send an email to team@freedomdaysolutions.com
www.freedomdaysolutions.com
The second question that matters is:
How Much Is Enough?
In this episode we discuss:
- Not an asset number, but income total of mailbox money is how you answer the question
- Defining Freedom Day to know precisely when it’s Enough
- Requirements: Multiple Streams, including risk-free + one that is rising.
Thank you for listening to Mailbox Money!
If you've enjoyed the show, we would appreciate if you subscribe and share the podcast.
If you'd like to reach out to us, send an email to team@freedomdaysolutions.com
www.freedomdaysolutions.com/crypto
Welcome to the Show!
In this episode we give you an introduction to our process, how we plan for the clients we serve, and talk about what you need in order to reach your Freedom Day.
Thank you for listening to Mailbox Money!
If you've enjoyed the show, we would appreciate if you subscribe and share the podcast.
If you'd like to reach out to us, send an email to team@freedomdaysolutions.com
www.freedomdaysolutions.com