Finances and...: Recent Episodes
Kathie Pfeffer-Hahn
I educate listeners so they can understand the in's and out's of financial planning, estate planning, retirement, insurance, and investing topics; by drilling down into each of these categories, and providing small bites in easy to understand language. With this information you can implement needed changes and reach your own financial goals. I want to provide professional financial coaching and therapy dedicated to helping you achieve your financial goals.
Baby Boomers should focus on securing reliable retirement income through strategies like annuities and dividend-paying investments, while also understanding the impact of Required Minimum Distributions (RMDs) on their retirement accounts. Managing healthcare costs, including long-term care, is essential as they age. Additionally, proper estate planning ensures their assets are passed on efficiently to the next generation.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
Baby Boomers should focus on securing reliable retirement income through strategies like annuities and dividend-paying investments, while also understanding the impact of Required Minimum Distributions (RMDs) on their retirement accounts. Managing healthcare costs, including long-term care, is essential as they age. Additionally, proper estate planning ensures their assets are passed on efficiently to the next generation.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
Investing wisely involves navigating various levels of risk, with each decision impacting potential returns and stability. For beginners, understanding how to approach investments through a risk-averse lens is crucial for building a resilient financial future. By focusing on strategies like diversification and clear goal-setting, new investors can mitigate risks while aiming for steady growth and financial security.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
Define and align your financial goals together, and regularly review them as your situation changes. Develop and maintain a detailed budget to manage your spending and savings effectively. Explore investment options and start retirement planning early, consulting a financial advisor to optimize your strategies.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
When does it become necessary to replace an appliance? How do you know if it's worth repairing?
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
By the age of 30, aim to achieve financial stability by building an emergency fund, paying off high-interest debt, and starting retirement investments. Establish a budget to manage your income and expenses effectively, while also focusing on improving your credit score. These milestones set a solid foundation for long-term financial health and success.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
Do you have a pension? Will it be enough? 401(k)'s and 403(b)'s can supplement a pension plan if you are lucky enough to have one.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are financial tools designed to help individuals manage and save for their healthcare expenses. HSAs are typically paired with high-deductible health insurance plans and offer a triple tax advantage: contributions are tax-deductible, the funds grow tax-free, and withdrawals for qualified medical expenses are tax-free. This makes HSAs a powerful long-term savings vehicle for healthcare costs. In contrast, FSAs are employer-sponsored accounts that allow employees to set aside pre-tax dollars to cover eligible medical expenses. While both HSAs and FSAs can be used for medical expenses such as doctor visits, prescription medications, and certain medical procedures, they have key differences. HSAs are more portable, as the account is owned by the individual and can be carried over from year to year, even if they change employers. On the other hand, FSAs often have a "use it or lose it" provision, meaning that any unused funds at the end of the plan year may be forfeited, although some employers offer a grace period or a carryover option. Understanding the nuances of HSAs and FSAs is crucial for individuals seeking to optimize their healthcare-related financial planning.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
Negotiating better benefits is a crucial skill that can significantly enhance your financial well-being and overall job satisfaction. When you negotiate for improved benefits, you are essentially advocating for your own needs and demonstrating your value to your employer. This process allows you to align your compensation and perks more closely with your personal and professional goals. By securing these benefits, you can achieve a higher level of financial security, access to quality healthcare, and a more comfortable work-life balance. Furthermore, successful negotiations can empower you to invest in your long-term financial goals, such as retirement savings and career development, ultimately ensuring a more stable and fulfilling future. In essence, mastering the art of negotiating better benefits is a key component of maximizing your professional potential and securing a brighter future.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
Saving on car insurance is a prudent financial decision. To reduce your premiums, start by maintaining a clean driving record with no accidents or traffic violations, as this can lead to significant discounts. Additionally, consider raising your deductible, which will lower your monthly premiums but require you to pay more out of pocket in the event of a claim. Another effective strategy is to shop around and obtain quotes from multiple insurance providers, as rates can vary significantly between companies. Finally, explore available discounts, such as bundling your car insurance with other policies or taking advantage of safe driving programs, as these can further reduce your insurance costs. By employing these tactics, you can achieve substantial savings on your car insurance while still ensuring you have adequate coverage.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
Compound interest is a fundamental financial concept that has a profound impact on personal finance, investing, and wealth accumulation. By revisiting this topic, I can help you gain a deeper understanding of how compound interest works, how it can be harnessed to build wealth over time, and the importance of long-term financial planning. Sharing practical tips, real-life examples, and strategies for maximizing the benefits of compound interest can empower you, the listener, to make more informed financial decisions and secure your financial future, making it an educational and valuable subject AGAIN.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
Gifting inheritance before your death is a complex decision that requires careful consideration. First and foremost, it's essential to evaluate your own financial needs and well-being to ensure that gifting assets won't compromise your own financial security. Secondly, tax implications need to be taken into account, as gift taxes may apply depending on the value of the assets being transferred. Additionally, you should think about the emotional and familial aspects of gifting inheritance, as it may affect relationships within your family. Estate planning and seeking professional advice, such as from financial and legal experts, are crucial steps to ensure that your wishes are carried out smoothly and that the impact on your financial and personal affairs is thoroughly considered. Ultimately, the decision should align with your specific circumstances, goals, and values, while also taking into consideration the potential consequences and benefits of gifting inheritance before your passing.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
Financial mistakes can be a bit like accidentally using your credit card to pay for a gourmet meal when you meant to order takeout. You start with good intentions, but before you know it, you've overspent on that fancy dessert and suddenly find yourself in a financial food coma. It's like trying to juggle your budget while riding a unicycle on a tightrope – one small misstep, and you might just end up in a financial circus! So, remember, it's essential to keep an eye on your financial plate and avoid those budget-busting indulgences. Otherwise, you might be dining on instant noodles for the rest of the month while your wallet nurses its own version of indigestion!
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
When faced with the decision of repairing or replacing a malfunctioning appliance, several factors come into play. First and foremost, the age of the appliance is crucial in determining the best course of action. If it's relatively new and the repair cost is minor, opting for a repair is often the more economical choice. However, if the appliance is older, the cost of repairs may quickly accumulate, making replacement a more prudent option, considering the potential energy efficiency improvements and reduced maintenance expenses of a new appliance. Additionally, environmental considerations should not be overlooked; choosing energy-efficient models can reduce your carbon footprint. Ultimately, the decision hinges on a careful evaluation of cost, age, and efficiency, balancing short-term convenience with long-term benefits.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
How do you pick the person you're entrusting your money and future to? Choosing an investor advisor is a critical decision that can significantly impact your financial journey. It's essential to consider several key factors before making your choice, but ultimately, a well-suited investor advisor can provide valuable insights, personalized guidance, and a strategy that aligns with your financial aspirations.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
How you connect with a partner in a relationship is everything! Actually, it's ALMOST everything. How you connect over money is the final piece. Knowing how to communicate with each other, whether you both bring income into the marriage or not, will help avoid the biggest cause of divorce.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future!
You can watch these episode on my YouTube channel as well.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Need some swag? You can order Finances and......
It's tempting to give our kids credit cards nowadays, but is it a good idea? There are risks but there are also some big rewards. Listen and find out if you, and your child, is ready.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook here on Shopify to keep track of your spending, net worth, and plan for your future!
You can also create an audible account to find helpful finance books to listen to here, and the top selling finance books on Amazon here. As an Amazon associate I can earn from qualifying purchases. For those who receive SNAP, Medicaid, or other qualifying government assistance, you can save more with Prime Access. Learn more.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and...
What is compound interest and how does it affect your finances? Using compound interest in savings means you will see your money grow much more quickly, but having it applied to what you owe, means you'll end up paying a lot more for what you bought. Find out how to use it to your advantage and avoid it when you can.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook here on Shopify to keep track of your spending, net worth, and plan for your future!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and
Want to start your own podcast? Check out Buzzsprout here!
https://www.buzzsprout.com/?referrer_id=819454.
I went to school so you don't have to!
Thanks for listening!
Have you thought about how many credit cards you should have? Will it hurt your credit score or help? What are the benefits to more than one card? Listen and see what may be best for you!
Grab your copy of the companion book Finances and… Your Spending Planner Workbook here on Shopify to keep track of your spending, net worth, and plan for your future!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and
Want to start your own podcast? Check out Buzzsprout here!
https://www.buzzsprout.com/?referrer_id=819454.
I went to school so you don't have to!
Thanks for listening!
What are the differences between banks and credit unions? The answer is in the services that they can provide and the interest rates that can charge. Find which is better for you. The answer is maybe both!
Grab your copy of the companion book Finances and… Your Spending Planner Workbook here on Shopify to keep track of your spending, net worth, and plan for your future!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and
Want to start your own podcast? Check out Buzzsprout here!
https://www.buzzsprout.com/?referrer_id=819454.
I went to school so you don't have to!
Thanks for listening!
In this episode I share the book Rewire for Wealth: Three Steps Any Woman Can Take to Program Her Brain for Financial Success. The author shares her own journey to financial freedom by uncovering her own beliefs about money and reprograms her thinking to gain financial confidence.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook here on Shopify to keep track of your spending, net worth, and plan for your future!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and
Want to start your own podcast? Check out Buzzsprout here!
https://www.buzzsprout.com/?referrer_id=819454.
I went to school so you don't have to!
Thanks for listening!
Do you have pension fund and are not sure what you get? Are you wondering if taking a job that offers one is worth it? I go over defined benefit plans as well as defined contribution plans like 401(k)'s and 403(b)'s.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook here on Shopify to keep track of your spending, net worth, and plan for your future!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and
Want to start your own podcast? Check out Buzzsprout here!
https://www.buzzsprout.com/?referrer_id=819454.
I went to school so you don't have to!
Thanks for listening!
Chances are good you'll be spending money on doing things to stay healthy or spending it when your health starts to fail, which would prefer? It seems like a "no brainer" but how many of us need to start moving more and eating less? Listen in for the cost of no being healthy.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook here on Shopify to keep track of your spending, net worth, and plan for your future!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and
Want to start your own podcast? Check out Buzzsprout here!
https://www.buzzsprout.com/?referrer_id=819454.
I went to school so you don't have to!
Thanks for listening!
How can you protect your finances from being sold on the Dark Web? What is the Deep Web, should you be worried about that as well? Listen and find out how to keep your data and money safe.
ON SALE NOW! $17.99 Grab your copy of the companion book Finances and… Your Spending Planner Workbook here on Shopify to keep track of your spending, net worth, and plan for your future!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and
Want to start your own podcast? Check out Buzzsprout here!
https://www.buzzsprout.com/?referrer_id=819454.
I went to school so you don't have to!
Thanks for listening!
It may seem that you can afford the monthly payments of owning a home, you are already paying rent, but the reality is there is so much more to owning vs. renting. Are you ready?
ON SALE NOW! $17.99 Grab your copy of the companion book Finances and… Your Spending Planner Workbook here on Shopify to keep track of your spending, net worth, and plan for your future!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and
Want to start your own podcast? Check out Buzzsprout here!
https://www.buzzsprout.com/?referrer_id=819454.
I went to school so you don't have to!
Thanks for listening!
We don't always realize how our roles will change within our family. As adult children we will eventually need to be counselors to our parents and our children at the same time. If you're not sure how to talk to your parents about money and their care, listen in.
ON SALE NOW! $17.99 Grab your copy of the companion book Finances and… Your Spending Planner Workbook here to keep track of your spending, net worth, and plan for your future!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and
Want to start your own podcast? Check out Buzzsprout here!
https://www.buzzsprout.com/?referrer_id=819454.
I went to school so you don't have to!
Thanks for listening!
Hoarding can be extreme, as documented on A&E, or just buying too many things that you need to manage. Whether it's buying more than you actually need, storing more than you can at home, or paying more to have items that don't bring you joy, hoarding costs you money and you CAN take control of it.
ON SALE NOW! $17.99 Grab your copy of the companion book Finances and… Your Spending Planner Workbook here to keep track of your spending, net worth, and plan for your future!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and
Want to start your own podcast? Check out Buzzsprout here!
https://www.buzzsprout.com/?referrer_id=819454.
I went to school so you don't have to!
Thanks for listening!
Have you struggled to get your spending plan going? Worried you'll leave something out? I break down what's included in a through plan and explain how each component supports your long-term goals. I also have my own planner for sale now here, Finances and... Your Spending Planner Workbook, you can order yours now.
Grab your copy of the companion book Finances and… Your Spending Planner Workbook here to keep track of your spending, net worth, and plan for your future!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and
Want to start your own podcast? Check out Buzzsprout here!
https://www.buzzsprout.com/?referrer_id=819454.
I went to school so you don't have to!
Thanks for listening!
A new relationship is exciting! So when is the right time to talk about finances and how do you bring it up? Listen for questions you can ask and things to consider as your relationship matures. It's crazy to think that discussing finances is so taboo when in reality, it needs to be one of the first conversations if you want to have a successful, long-term relationship.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
Need some swag? You can order Finances and... items here! https://www.teepublic.com/user/finances-and
Want to start your own podcast? Check out Buzzsprout here!
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I went to school so you don't have to!
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Lifestyle creep is an insidious way that we start to spend more and save less. We allow our new found earnings to be spent without thought to planning or retirement. This "creep" turns wants into needs and ultimately we spend more than we have. Listen for tips on how to stop some of this spending.
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I went to school so you don't have to!
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There are some great new improvements available to tax payers in the form of the SECURE Act 2.0. Find out how you can benefit from the delayed required minimum distributions, 529 rollovers, and how your employer can contribute matching funds to your retirement plan even if you are not because you have education debt loans.
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I went to school so you don't have to!
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Do you need a push to start saving more? Would a challenge be just what you need to make it happen? Listen to these fun saving ideas and start putting little more away each month. Thanks to Clever Girl Finance, Experian, and Mom's Money Map for these ideas!
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I went to school so you don't have to!
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Have you considered a Parent PLUS loan for your child's college loan? What are the benefits and risks?
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I went to school so you don't have to!
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IRA's are tempting targets for raiding when you feel like you need money, because there can be a big balance, and retirement seems SO FAR AWAY! This can be a huge mistake. Make sure you know what you're getting into before making that withdrawal.
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I went to school so you don't have to!
Thanks for listening!
Donating items are a great way to help your community, your tax debt, and clear out your home. However, not all donation centers are the same. Listen and see if the items you've dropped off, or put out, have the same impact at each donation company.
You may be surprised.
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I went to school so you don't have to!
Thanks for listening!
Everyone should take some time to evaluate how last year went financially. Make a plan to evaluate what you have accomplished and what still needs to be done. I remind you what you should be reviewing and offer suggestions on how to make your finances stronger in 2023.
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I went to school so you don't have to!
Thanks for listening!
Companies offer stock options to employees as a way to suppliment their salary without having to pay more in bonuses. Find out how you can benefit from them and understand how they work by listening to today's episode.
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What are the tax implications when you live in line state and work in another? While most states have a marginal tax rate, some states charge a flat tax and others don't have a state income tax at all! Listen and see how it may affect you and find out how you file?
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What are some strategies you can use to maximize your gift giving this season with looming inflation? Are tangible items all your gifting, if not, how do you know if your money will be used for a true non-profit?
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How do we make financial decisions and are we making good ones? What causes us to react to situations rather than respond with a cooler head? Here are some ideas from the book Mind Over Money by Brad and Ted Klontz and how to avoid making the same mistakes over and over.
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Did you know there is a website for each state that is there to return lost money to you? Listen and go search yours!
Don't let a budget scare you, start a simple one and at least see what your situation is.
Virginia is returning money to 2021 tax payers on October 31, see if you qualify, and finally what is a home appraisal and with growing interest rates, what do they mean now?
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Have you ever wondered about the meal plans they offer? You get a box with food and the recipes for specific meals, then you make them and enjoy. Is this service for you? Do you have special dietary needs? There is probably a kit for you. The big question is, are they affordable or will they break the budget!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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Should you consider a trade school instead of college? What type of income do they really earn? There are so many benefits to pursuing your passion, this may be one of them!
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Have you ever considered buying an RV or travel trailer? Here some things to consider before jumping into this big investment, because the costs are high; but so are the rewards! Listen in and see if it's for you?
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Have you tried a no spend month? November is one that many people have used as a start to improving their nest egg. Here are some tips to get you started on increasing your savings.
Here is the Geico No Spend Planner!
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How should you be planning for retirement? One step is to start making written plans for how much you will need and what you plan to do once retired. This plan should be reviewed annually, so let's get started now!
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What are some ways you can make better money choices? How can you use what you have now to still reach your financial goals? This episode covers ways to increase your wealth for your future.
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How do you apply for college loans, or refinance ones you have already, without falling victim to scammers? This can be one of the most frustrating times, so listen and be alert to those who just want to take your money, not help you finance your or your child's education.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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How does the rising interest rate hurt and help you right now? What actions should you take to make it a better situation for you and what should you not do?
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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What are some ways to save money when prices are skyrocketing? I make suggestions for gas, food, and investing savings that will help keep YOUR money in YOUR bank account!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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What would it take to make money on Airbnb? How do superhosts get that status and make so much money? Listen as I provide tips for making your room or home into a profitable spot that will pay your mortgage for you.
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What will happen if you don't pay your taxes or if you don't file? What if you make an error in filing? The consequences can be hefty penalties or even losing you license!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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How do inherited IRA's differ from one you set up yourself?
What if the decedent was your spouse, how does that change the requirements? Listen and see how your taxes could be effected.
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How do you decide what you want versus what you need? Do you ever feel like you confuse the two? Will getting all you want now make your retirement and long term care possible? Listen for some ideas on how to have both, but it won't be easy!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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How has your family impacted your financial choices and how do you impact your children's?
We carry, and share, our own financial belief system and sometimes it's not what they need. Find out how can we support and educate our families in a meaningful, positive financial way.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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What information will you need to provide for your loved ones after you're gone? How can you make your passing easier for them? Listen and compile a list of accounts, passwords, and where to find them for your family or encourage them to create one for you before they pass.
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What do some of the financial acronyms mean? What's going on with student loans? Is my health insurance tax deductible and what are the FAANG stocks and what does the 20 to 1 stock splits mean?
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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Have you planned for how final care will be provided for you or loved ones? This is not something you should put off. The choices you will want to make may take time; finding the proper care facility or planning for in home care, takes planning. Listen and start doing your research.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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Have you thought about where to live in retirement? Which states are retiree tax friendly? What will you do to keep yourself busy? Have you thought about a fixed income budget? It's time to start thinking about it, no matter your age!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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How does the cost of living and inflation work to affect your income? What are some tips to avoid being negatively impacted? Listen and find out!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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What would you do with an additional $1,000 a month? What makes the most sense, paying down debt or investing? Actually, you have many great choices, listen and decide what's best for you!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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Can we "buy" happiness? It turns out there are some important things we can spend money on that actually improve our happiness, listen and be... happier!
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What exactly are the 4 C's of a diamond and are some more important that others when it comes to price? Lab engineered diamonds are very popular now as well, are they for you (and your budget)?
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Listen and get a brief overview about ten top financial topics. Investment diversification, retirement vehicles, net worth, credit score tips and planning for your financial goals are all covered.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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What are some financial things you may need to get back to doing? What are some you need help starting? Listen and see how to get he ball rolling (again)!
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What is a liquid or illiquid asset? Why does the vocabulary around finances feel so foreign? Listen in and see that it's not so complicated once it's explained!
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What's new this year for your tax filing? There is still time to reduce your tax burden by putting money into your IRA retirement account until the day taxes are due; and this year that's April 15th, 2022. I explain what those tax brackets really mean and how you're NOT actually paying what your bracket says.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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Wills and trusts and things you've heard of but may not know the differences between, and both are important in a persons estate plan, so listen in for the highlights and benefits of each.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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Thank you for your time, your support and your sharing of episodes! I suggest our four most popular episodes this week.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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The federal reserve is saying they'll raise rates .25% three times this year. What could that mean for your credit cards, loans and your other investments?
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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Have you considered how the money you donate can help your tax situation? Listen to find out how to maximize giving and increase your own bottom line.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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How does social security work? How much will you get and will the trust our money is in be depleted before you qualify? Sadly, in only a decade it will be if some changes are not made, so what options do we have?
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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How can debt be good? What can I do if I have bad debt? I talk about revolving and non revolving debt and how to use both to your advantage.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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How do you build your net worth? When should you be focusing on it and what steps can you take now? Listen and see how you can grow your net worth no matter what age you are.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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Beneficiaries are those who you can assign your money directly to when you pass; they won't have to wait for your will to be read. Find out what accounts you can assign and why it's important you do!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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I look at the basics of what you will spend on a home, what you can expect to pay in fees, and some low down payment and low-cost home purchase options. Can you afford it?
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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Have you ever been offered a deal that seemed too good to be true; an "easy money" opportunity? Pyramid schemes take money from investors when a few top-level members recruit newer members. The only people who make money are the members up the chain by contacting new "investors" who now enroll others. Listen and find out more.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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Have you wondered about getting solar panels to cut your power bill? How much do they cost? Would I qualify to have them installed on my home? How much do they really save? List and hear if this green energy source is right for you.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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How much risk are you willing to take, none, Or do you want to let all ride? Listen and see what your level of risk makes the most sense for your investing comfort. In other words, what type of portfolio will let you sleep at night!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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College students have special needs with regards to their finances, and sometimes it's just figuring it all out! Tips for what to focus on and how to be more fiscally savvy are covered.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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Why is getting a prenuptial agreement on the rise and should you consider one for your financial situation? They make sense for a large portion of people getting married, does it for you?
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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Why should you put your money in a high-yield saving account vs. leaving it in your traditional savings account? You'll make more money! Listen in and hear what the differences are and how they are a great option!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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What are the reasons for home owners insurance and renters insurance? How do you choose what's best for you and your belongings? Types of losses and ways to save money are covered this week.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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What are annuities? How do they fit into a financial plan? It seems like this is one of those words you hear but don't really know what it is. Listen and find out about the advantages and disadvantages for your retirement plan.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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How does the 4% Rule help you in retirement? Will that withdrawal rate last you for your lifetime? The stages of retirement: Go-Go, Slo-Go, and No-Go may all require different amounts of money. How will you do?
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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Should you spend your money on an extended warranty or a service contract? What's the difference between the two? Maybe your credit card offers the same protection for you.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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How much do you qualify for this year in the Child Tax Credit? Will it effect your income on your 2021 tax return? Is this credit per family or per child? Listen and share!
Here is the information on the credit.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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What are the benefits of a homeowners association and what costs are involved? I give examples of some disputes gone bad and the real reason why they help in selling your home.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.
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The lottery seems like easy money, why not play? Find out what the odds are, what states charge you taxes on your winnings, and how the lottery money collected is spent.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
Or leave us your ideas at financesand.net
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Why are people so excited about time shares? Is it a good vacation plan for you and your family? Or maybe vacation clubs are a better choice, listen and find out.
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
Or leave us your ideas at financesand.net
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Why is an inspection so important?
The small cost of a home inspection can save you thousands in the long run, find out what they look for and why you need to get it done whether you are the buyer or the seller!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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Should you begin to transition to not using cash? What are the risks and benefits to using only electronic transfers of money? Cash may not be king any longer!
Share the infographic on Is Cash Dead?
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
Find Jennifer's resources for teachers here.
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You can lend money in small increments just like you can invest in small amounts. You can become someones hero by providing a small loan, find out how this can be a part of your investing strategy.
Share the infographic on Micro Lending
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
Find Jennifer's resources for teachers here.
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How do you start investing with only a small amount of money? There are companies that help you begin investing for literally only a few dollars, listen to hear the benefits and drawbacks of these opportunites.
Share the infographic on Micro Investing
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
Find Jennifer's resources for teachers here.
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We discuss questions we've been asked covering, how to find funding for flipped houses, what is the inverted yield curve, and what is a money mindset? Then we answer why your mortgage company wants to collect more in escrow, what's the new Child Tax Credit, and how can minimalism help me financially? Listen in!
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
Find Jennifer's resources for teachers here.
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We look at tax implications, how assets are split, and how mediation could help. Do you live in a community property state?
Share the infographic on Divorce
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
Find Jennifer's resources for teachers
Want to start your own podcast? Check out Buzzsprout here!
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What do people spend their wedding budget on? How much should I expect to pay? What are the financial pros and cons of marriage? It's not ALL about love!
Share the infographic on Weddings
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
Find Jennifer's resources for teachers
Want to start your own podcast? Check out Buzzsprout here!
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Are you an exempt employee or non-exempt? Should you be getting overtime pay? What happens during a furlough versus layoffs?
Share the infographic on Exempt or Non-Exempt Employees
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
Find Jennifer's resources for teachers
Want to start your own podcast? Check out Buzzsprout here!
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What all do you need to consider saving for? What are your plans and have you let your family know? We talk about whether pre-paying is a good idea and discuss options you may want to consider for your end of life choices.
Share the infographic on End of Life Costs
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
Find Jennifer's resources for teachers
Want to start your own podcast? Check out Buzzsprout here!
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What is a foreclosure or short sale property? How can you avoid being in the situation and how can you take advantage of finding one to buy.
Share the infographic on Forclosures & Short Sales
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
Find Jennifer's resources for teachers
Want to start your own podcast? Check out Buzzsprout here!
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Why do we think of money as a taboo subject? Listen find ways to discuss money with your partner and even your friends. Start the conversation! You'll be glad you did!
Share the infographic on Money Taboos
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
Find Jennifer's resources for teachers
Want to start your own podcast? Check out Buzzsprout here!
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How can you make money without working at it? Well, you can't, but there are many ways you can do minimal work by creating content or buying stocks or real estate. Listen and see how you can make money in a "passive" way.
Share the infographic on Passive Investments
Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.
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How to negotiate a salary, what benefits should you worry about, and what if you don't have a job? We discuss this and more.
Share the infographic on New Graduates
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How should you approach those you love about their wishes? What are some topics to cover? We suggest ideas for care and how to approach the subject with those you love.
Check out Positive Aging Sourcebook for elder care information.
Share the infographic on Elder Care
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We cover moving expenses, things to look out for, and where to find tools you might need on the web.
Share the infographic on Moving
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We discuss the pros and cons of this fairly new option for getting money you may need from your home. Is it the right choice for you?
Share the infographic on Reverse Mortgages
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We go over information specific to the new tax codes for 2020 and COVID specific information.
Share the infographic on 2020 Taxes and COVID
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This week we discuss strategies for talking to your children about money, explain ways you can share your own experiences with them, and go into why this will benefit them into retirement.
Share the infographic on Kids and Money
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What is the danger in taking a payday loan? Why is the interest so high? What are the alternatives to this predatory loan? We explain why these loans are so dangerous to not only your credit but, in some cases, your financial well being.
Share the infographic on Payday Loans
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What is going on with shorting a stock? What is it? Is it legal? And why is it such a big deal right now? We explain a complicated topic in easy to understand language.
Share the infographic on Shorting a Stock
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How much will it cost to buy a ready made, profitable company? Which one is best for you? Is it easy to start a franchise? Let us help you decide if franchising is right for you.
Share the infographic on Franchises
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How do we make financial choices when faced with either poverty or prosperity? Can we make better plans for our future by knowing how these states effect us? Listen and see how you can overcome limiting baggage you may have.
Share the infographic on Poverty & Prosperity
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Have you ever considered how much a year your fur baby costs? Maybe you shouldn't! But if you're thinking of getting one we break down the costs of owning a pet.
Share the infographics on Pet Care
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How do you get started? We go over some ideas for meal planning to streamline your weeknight meals, save money, and even some party planning ideas so you can spend less money.
Share the infographics on Meal Planning
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What is a credit freeze or a credit lock? How is paying a loan like "free money"? How much should you budget for home improvements? Does a joint banking account make sense or should you keep individual ones?
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We wish you a Happy New Year and suggest some of our favorite episides!
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How do you deal with financial anxiety? We can suggest some ways to make the holidays easier by helping you pinpoint your anxiety and then ways to let it go. Let the season be one of joy and not let the financial stresses of the season be a burden.
Share the infographics on Financial Anxiety
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What can you do to have a million dollars at retirement? Is it even really possible? Listen and decide what steps you can take to have a nest egg large enough to retire on and not worry about your future.
Share the infographics on Millionaire Habits
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Do you want to give stocks as gifts this holiday season? What are the tax implications for you and your estate? Listen as we explain, in this episode, the do's and dont's of gifting stock.
Share our infographics on Gifting Stocks
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What are the options for your open enrollment season? We go over what are FSA's, HSA's, 401(k)'s, as well as, health and dental plans.
Share our infographics on Open Enrollment
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Should you be investing in gold and silver? Do you need to buy the physical bars, or maybe just buy more jewelry! We let you know where to buy precious metals and different ways to add it to your portfolio.
Share our infographic on Gold and Silver
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We cover some of the most basic bad money choices people make like believing they are buying "on sale" when it's really "for sale", impulse buying, co-signing loans, and not checking your credit report. Listen and see if you are making any of these bad money moves.
Share our infographic on Ten Bad Money Moves
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How much does it cost to raise children today? What do you need to consider if you're starting family? Listen as we discuss the costs you can expect as you start your family.
Share our infographic on the cost of raising a family
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Have you wondered what the cost saving os owning an electric car would be? So did we! We explain the different types of electric and hybrid cars as well as insurance, fuel, and other costs of ownership.
Share our infographic on Electric Cars
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If you can't expect a raise this year, what are other benefits you could request that still offer you value as an employee? We discuss many common and uncommon negotiating points when finding a new job or looking for added value at your current job.
Infographic on Negotiating Employment Benefits
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We answer questions that you have had like Insurance, spending plans, and high interest saving accounts.! Please continue to send them in!
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What rights do you have, how long can you take off, and what will your pay be like? We cover these and more in this podcast!
We have infographics on Maternity & Family Leave
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What is crypto currency? Find out a little about the history and if it's right for your portfolio.
Check out the infographic on bitcoin
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Buying a property to use for rental income is exciting and scary. What are the positive and negative aspects of being a landlord??
Check out our infographic and share! Investment Properties
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We provide money saving ideas for how to get more out of the holiday season!
Enjoy!
Please grab our infographic - Holiday Spending
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Have you ever wondered why you think about money in certain ways? How come it's more painful to lose some money but not others? Why doesn't it feel twice as good to make $2,000 dollars than $1,000? Let us help you understand why.
We'd like to thank John Nofsinger and his book The Psychology of Investing
Mental Accounting infographic
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What all is involved with living in a tiny home or even an RV? We explain some considerations, along with benefits and challenges of living "tiny".
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Tiny Living Infographic
We explain how bonds work, and why you should have them in your portfolio even though they don't provide a large return, they are little powerhouses!
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Bonds Infographic
Insurance is the type of thing everyone wants to avoid, but needs when accidents occur. Are you covered if something happens and you cant work? How long can you live without any income? Disability insurance will get you though until you can work again.
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Disability Insurance
How much should you save for retirement? We break down how much you should consider putting away, share some calculators that can get you started, and explain how beginning saving when your younger makes a big difference in your final nest egg!
How much should I save for retirement?
We discuss what a trust is and who needs one. We explain the difference between a trust and a will and why you probably need both.
Trust Infographic
HSA'a and FSA'a are great ways to save for heath related costs, child care, and even to help fund your retirement. How do you set them up, what can you spend them on, and how do they help you save for retirement?
HSA's and FSA'a Infographic
We explain the thrift savings plan, GI Bill for education, VA loans, and many of the other benefits for serving our country. Just to clarify, allowances are not taxed but special pay and bonuses are taxed along with base pay.
Thank you for your service!
Military Benefits Infographic
We cover what you need to know about selling your house to make the most in profit and what you need to be on the look out for when buying your new dream home. There are two infographics below or at financesand.net to go along with the episode, so go grab them!
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Buying a Home
Selling a Home
Who needs a Certified Financial Planner? What do they do? Is it worth it? Kathie is solo today explaining the reasons you will what to meet up with one!
What are points? What is a good rate for your loan? What the heck is a HELOC and should you do it? We explain mortgages and/or refinancing your current mortgage.
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We break down how interest is calculated (daily), how to get the best use of your cards, and how to avoid interest charges.
Financial Independence, Retire Early (FIRE) is a movement so that you won't need to work until you are 67, instead, you save or earn a lot, for a set number of years, so that you can retire much sooner. Is it for you? Find out here...
We explain Roth and traditional IRA's as well as some less known type, such as, SIMPLE, SEP, backdoor, spousal, and inherited.
Do you wonder why you make the financial choices you do? Are you ever in conflict with your spouse about money? Financial therapy may be the answer. We talk about the money scripts that people have and how they affect your decisions regarding money.
We explain the new unemployment benefits and the stimulus money. We discuss who is eligible and how its taxed (or if it is!).
How do inflation and recessions work? How does the Federal Reserve System decide when to raise to lower their rates? Can I get a 0% home loan when it is at 0%. We talk about how rates are determined, how it affects you, and how to make the most of it.
The W4's we fill out for our employee tax withholdings changed this year.
Are you lending the government too much or your money, or maybe you owe too much. Listen and hear how to fill out this important tax document so you're ready for next year's tax time.
Are you confused about the difference between stocks and bonds? Do you know how to buy them? What the heck are mutual funds or ETF's? We'll explain what they are, how to get them, and explain why you might choose one over another for your financial needs.
When should you buy a car? What tactics will dealers use to get you to spend your money? When should I lease or buy? Car buying is a L-O-N-G time process, let us help you minimize your time in the dealership and get the best price.
Although not a part of financial planning, sometimes it becomes necessary to file for bankruptcy to start anew. Let us explain how you can do that while providing resources and advice for keeping you out of it.
What is the difference between medicare and medicaid? How do I apply? What kind of coverage does each offer? Should I get long term care? We describe the services (which is which) and explain who should apply for each.
Who needs life insurance? What is its purpose? I don't have kids, should I get it?
These questions about the purpose of, where to get it, and how much you may want are all discussed.
These are crazy times! Are you, or someone you know, looking into getting unemployment benefits? Let us explain how and where to do that, what to look out for or consider.
What is your credit score? How is it determined? Have you ever seen your credit history? We share how to find these and interpret them so that you can gain the best score and pay less in interest and fees.
Do you know you need a budget but aren't sure how to start? Which app do you choose? Why are budgets so important? What if you feel like you can't even get started? Let us share some common budget apps, plans, and ideas to get you started.
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Do you know what all the tax documents that you receive are for? Confused by 1099's, 1098's, INT, MISC, and DIV? Don't worry, we explain what they are for and why you want them!
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Have you ever wondered what those number 200/100/500 mean? Should you make a claim with your insurance company? How do you get the best rate and what effects the price you pay for insurance? Then this is the episode for you!
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Do you want to save for your child (or future child's) college? There are a lot of options for you to choose from. We talk about 529 savings plans, 529 pre-paid plans, education savings accounts, Coverdell accounts, Uniform Gifts to Minors and the Uniform Transfer to Minors Act, and EE Savings Bonds. As well as a few non-traditional choices, such as, Roth IRA's, 401(k) loans, and home equity options. Whatever you decide, it is important to start soon if you hope to provide significant financial assistance towards your child's college funds.
We explain basic wills and the reasons why everyone should have one! Don't put this off, your wishes deserve to be followed but won't necessarily if you have not written them down. We share the basic types of wills, the important reasons for them, and some of the most common sections. Your family will be struggling enough with your loss, don't add to it by putting this off until "tomorrow". Let us know what you'd like to hear more about at financesand.net..
What do these even mean? They are the tax codes that allow you to invest in a plan offered by your employer that gives you a tax break on money that you both set aside for retirement. These plans are an easy way to save for the future because contributions are automatically withdrawn from your paycheck and invested in funds of your choosing.
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Kathie Pfeffer-Hahn and Norma Vargas introduce finances in easy to understand language to help those who want to learn more about financial topics including investing, insurance, retirement planning, estate planning, and taxes. Follow us and keep up to date with all that "stuff" you know you should know about, but haven't learned YET!