The Proper Cents Podcast: Recent Episodes
Eric Stauffer, Keith Stauffer and Nik Schuurmans
Learn how to get out of debt, grow your savings, build a financial plan, and save for retirement with the guys from The Proper Cents Podcast. Through personal stories, witty banter and a bit of humor, discover the world of personal finance like you have never seen it before.
Where money doesn't talk, it works.
We make thousands of financial decisions during our lifetime. Many of them small, and a few of them are very big.
In this episode we explore how getting caught up in the small, daily decisions and ignoring the big ones can derail one's path to financial success. Buying a cup of coffee every day on your way to work probably isn't going to make you broke. However, buying the wrong house and financing new cars certainly can.
Don't sweat the small stuff. Pay attention to the big decisions and make sure you get those right.
Buying your first home is a very exciting experience, but can also be a financial disaster if you are not prepared.
In this episode, the guys from Proper Cents discuss the various expenses that come with buying your first house. Everything from furniture to maintenance to taxes.
Do not be caught off guard when moving from the rental market to homeownership.
Our personal and financial lives are full of habits. Some good, some bad. These habits make up our routines, which in turn makes up the life we live.
Many bad money situations are the result of bad habits. In this eposide, Eric and Nik discuss how we fall into bad habits, what good habits we should be striving for, and how to make a good habit stick.
Don't let your bad habits dictate your financial future. Change them!
With cryptocurrencies taking a lot of the financial news headlines lately, its hard to avoid all the chatter about them.
One that is getting a lot of press is Dogecoin. Many people had never heard of Doge until recently, and it can be a bit confusing when trying to figure out what it is and what it does.
In this Episode, Eric and Nik explain what Dogecoin is, where it came from and why it has gone up over 5000% in less than 12 months.
Bitcoin, Ethereum and many other cryptocurrencies have stormed onto the financial scene lately.
Any new technology can seem confusing at first. In this episode, Eric and Keith dig into the basics of cryptocurrencies and blockchain technology, while giving aspiring investors some information to think about before diving in.
Is this the next technological revolution like the internet, or just another Beenie Baby craze?
With mortgage rates near record lows, moving to a bigger home or refinancing your current mortgage may be a good financial decision.
In this episide, the guys from Proper Cents discuss various aspects of getting a new mortgage and refinancing existing mortgages. They talk about how mortgage brokers are not necessarily on your side, and explain the important factors you should consider before signing on the dotted line.
Don't let real estate agents and mortgage brokers tell you how much you can afford. They make more money when you spend more money!
The thought of the annual tax return or stimulus check can give a happy feeling when dreaming about all the things you can buy.
In this episode, the guys from Proper Cents explain why waiting all year for a tax return might be a bad idea, and why blowing your stimulus check on something for fun may not be the best plan.
Don't waste your windfall! Strengthen your financial muscles instead!
Investing in the stock market can seem daunting for the unintiated. The truth is, is much easier than you may think.
In this episode, the guys from Proper Cents discuss the basics of investing, how to set up an account, good places to park your money, and why starting even with just a few dollars is better than putting it off until later.
Get your money working for you, instead of working for your money.
We are creatures of habit, and those habits can help or hurt us finacially. In this episide, the guys from Proper Cents discuss some of the good and bad habits people do with their money, how those habits impact us, and how you can change them to better your financial future.
Don't let bad habits compound and keep you from the life you want to live.
Nearly every financially successful household and business operates on a budget. In this episide, the guys from Proper Cents discuss how they budget, how to set one up if you're just starting out, and why a budget is the foundation to financial success.
A Budget is a powerful tool that puts you in the driver's seat of your finances.
Having a properly funded emergency fund is one of the most important parts of a good financial plan. Listen to the guys from Proper Cents discuss why its important, how to get started saving one, and where you should keep it on this episode of The Proper Cents Podcast.
The difference between a major financial catastrophe and a slight pain in the rear is often a well-funded emergency fund.
Budgeting is the foundation of any successful financial strategy. It's not a dirty word to use when you can't do something, its a powerful tool that will enable you to do more than you ever thought possible.
In this episode the guys from The Proper Cents Podcast take a look at why budgeting is important, and give examples of how to get started today.
If you're interested in changing your financial future, this is the first step.
Whether its Keeping Up With The Jones's or simply lack of financial education, many people struggle with money because they try and live a lifestyle they cannot afford.
In this episode the guys from Proper Cents explore the topic of living beyond your means and trying to impress friends and family. They discuss ways to retool your thinking to become a financial body builder.