Talking Cents: Recent Episodes
GenWealth Financial Advisors
Navigating your financial journey can be complex, but our hope is to make it as easy as possible. We’ll break down what you don’t know about money, help you build a solid foundation of financial knowledge, and give you practical steps to take toward financial independence. We’ve even got some financial tools and resources that we’ll not only talk about, but give you access to.
On this episode of Talking Cents, I’m joined by Chad Roller from our Conway office, and we’re digging into something that might sound like a problem for future you: Social Security. I know, it feels far off, but trust me - it’s worth paying attention to now. We’ll cover how it affects your paycheck, why when you claim it matters, and how to build it into your bigger retirement plan. Plus, we’ll talk about what could happen if the system changes.
Visit https://www.ssa.gov for more information on your Social Security benefits.
And if you're looking for tools to help in your journey to true financial independence, visit https://sparkmywealth.com
Paying off debt sounds smart, but what if investing could get you further ahead? That's the question Alec and I are looking at this week on Talking Cents. Neither is a bad idea, but we're taking a look at the pros and cons of each so you can make the best decision for YOUR personal circumstances.
And if you're just getting started, we've got a free tool available for you to check out at https://sparkmywealth.com/
In today’s episode of Talking Cents, I’m focusing on advice for those of you in your 20s and 30s. Some key areas we’ll be looking at: building an emergency fund, maximizing employer-matched contributions, paying off non-mortgage debt, starting a Roth IRA, and monitoring credit scores. And remember - small actions today can significantly impact your future financial well-being!
As mentioned, if you want to see if who you're working with is properly licensed, visit https://brokercheck.finra.org/ (FINRA Broker Check)
And if you're just getting started, check out our free tool at https://sparkmywealth.com/
When the markets are rocky and we're in uncertain times, like right now, people often ask, "Should I pull out of the market?" The short answer is no! And Chad Roller is joining me this week as we take a look at how volatility is a normal part of investing AND a key factor in achieving long-term growth!
And if you're just getting started, we've got a free tool available for you to check out at https://sparkmywealth.com/
Discover the power of the Roth IRA! In this episode, Alec Daril and I are looking at the rules of a Roth IRA, how to start one, and how this simple investing tool can be one of the most powerful ways to build tax-free wealth in retirement!
And if you're looking for more resources to help you get started, we've got a free tool available to you at https://sparkmywealth.com
There was recently a sensational headline from Bloomberg claiming the 401(k) will disappear in 10 years! Chad Roller, my partner in the Conway office, is joining me as we look at what’s actually happening here and what this could mean for your retirement savings.
And if you’re looking for more guidance, check out our “6 Keys To True Financial Independence” https://getreadyforthefuture.com/keys
Breaking up with a financial advisor can be tough! But sometimes it’s necessary for your financial success. Join me and Alec as we go through identifying red flags, navigating the breakup process, and keeping you on the path to true financial independence.
And if you’re looking for more resources, check out our guide “6 Keys To True Financial Independence” https://getreadyforthefuture.com/keys
If you're being laid off from your job, your employer might offer you a severance package. But what does that mean, exactly? Chad Roller is joining me in this episode as we take a look at: considerations when offered a severance package, possible areas of negotiation, taxes, and some gaps that you might need to fill between jobs.
And if you're looking for more resources on your financial journey, check out our guide “6 Keys To True Financial Independence” https://getreadyforthefuture.com/keys
We've got a very special guest in this episode of Talking Cents: Kassidy Cook! Kassidy is an Olympic diver, winning a silver medal in the 2024 Paris Olympics with her diving partner, Sarah Bacon, in the 3-meter synchronized springboard. We'll be talking about her journey to the Olympics and how some of the same principles and habits she learned along the way have also helped in her financial journey. This is one you don't want to miss!
And if you're interested more in Kassidy's journey, you can check her out on social media @kassidycook13!
If your family’s growing, that can be exciting! It’s also more expensive! Chad Roller’s joining me this week as we look at ways to make sure you have a solid financial foundation so you can enjoy this time and focus on what really matters.
And if you’re looking for more guidance, check out “6 Keys To True Financial Independence” https://getreadyforthefuture.com/keys
Do you only think about taxes once a year when it’s time to pay the piper? But what if you took the time to think about taxes more often? I’ve got Chad Roller with me this week as we try to help with some tax tips so you can take control and, hopefully, keep more money in your pocket!
And if you’re looking for more resources, check out our guide “6 Keys To True Financial Independence” https://getreadyforthefuture.com/keys
More knowledge with less complexity? Alec’s joining me in this episode as we look at three metrics you need to know and how they can help you on your financial journey!
And if you need help unlocking that path to true financial independence, download our guide “6 Keys to True Financial Independence” now by visiting https://getreadyforthefuture.com/keys
Get ready to give your savings a boost in this episode of Talking Cents! Alec and I are bringing you some practical ways to enhance your financial well-being. With determination and a little discipline, these small steps can add up quickly!
Start your journey with our FREE download: 6 Keys To True Financial Independence https://getreadyforthefuture.com/keys
If you're just starting out, investing can be complex! But the important thing is to get started! Chad Roller is joining me in this episode as we go over 12 quick tips to help give your savings a boost.
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
Are you wanting to boost your New Year resolutions? Or kick-starting a new goal? Maybe you're just looking to make progress on goals you've had for a while. Alec Daril's joining me in this episode as we look at ways you be more effective with your finances and make your money work for you!
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
In this episode, Chad Roller joins me as we debunk common myths about financial advisors, like being only for the ultra-wealthy or just stock brokers. We're looking at the true value they provide, from personalized financial plans to behavioral coaching. Whether you're starting out or nearing retirement, learn how a financial advisor can help you on your journey to true financial independence!
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
Money can be unpredictable, especially when emergencies strike or prices fluctuate. But guess what? We can still take charge of our financial situation. Join us in this episode of Talking Cents as we dive into practical strategies to empower you to focus on what you can control!
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
We’ve got a special guest joining us today, Roman Greathouse! He’s our Video and Live Event Production Specialist here at GenWealth, but he’s also going to share some of his thoughts on financial advisors before he joined our team, what he’s learned since, and how he’s been working on his own path to true financial independence!
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
If you’re thinking about your 401(k) plan, you might have heard of Target Date Funds (TDFs). In this episode, we’re going to break down everything you need to know about TDFs. We’ll cover what they are, why they might be a good fit for you, and what to keep in mind before making a decision.
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
Your first million is the hardest. On this episode of Talking Cents, we’re talking all about the race to building your first million dollars and why things seem to get easier the further along you are. Spoilers: compound interest is your friend!
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
Fix your roof when the sun is shining. Well, it's been pretty sunny with the stock market lately! And we don't know when, but a recession will come. In this episode, we're looking at ways you can prepare so that when there's a downturn in THE economy, there doesn't have to be a downturn in YOUR economy.
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
Have you ever felt overwhelmed by your finances or unsure about where you stand? Understanding your financial picture is the first step toward achieving clarity and confidence in your financial life.
In this episode, we’ll break down what a financial picture truly is, the key components you need to consider, and how to assess your own situation effectively. Whether you’re just starting out or looking to refine your financial strategy, this episode is packed with insights to help you take control of your financial future.
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
Let’s face it – there are certain rules of thumb that most people should follow, but the best advice is specific to YOU! In this episode, Alec and I are fueling the fire as we tackle some controversial advice so you can get a leg up on true financial independence!
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
We get a lot of questions about IRAs: what's the difference between Traditional and Roth? How do they work? Which one is better? In this episode, Alec and I are breaking down the differences so you can make an educated decision in choosing which IRA might be right for you!
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
A new study from Primerica shows that women are still facing challenges in financial confidence and representation. Even when they're taking a lead role in their family's financial welfare! In this episode, we're bringing tips for you on how to boost your financial confidence so you can meet your financial goals!
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
We all have good and bad habits. When it comes to money, some habits can set you up for success, and others can derail your financial future! In this episode, we've got a list of healthy habits, unhealthy habits, and some practical tips to keep you on the road to true financial independence.
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
Millennials faced several challenges and setbacks early on. But new data suggests a surprising turn! Alec and Teresa are looking into how a generation has improved their financial health and how YOU can take some action steps toward a better financial future!
6 Keys to Financial Independence https://getreadyforthefuture.com/keys/
This is the last of a three-part series with Katie Caruthers (@badwitch1126 on TikTok), who built quite a following as she has shared her journey with loss and the things that come with losing a loved one. Katie and I both experienced losing a parent who didn't have an estate plan in place and we're hoping some of our experience can encourage you to get organized and/or help your parents get organized to avoid the chaos we have experienced.
Dealing with loss is hard enough on its own. But then there are the tasks, the seemingly endless list of items that nobody tells you about! Katie Caruthers (@badwitch1126 on TikTok) is with me again to help make a checklist so that if this is something you have to go through, you can be better prepared than we were.
Losing a loved one can be hard. And it's so much harder if, amid grief, you're trying to take care of an estate that's in disarray! This is the first episode in a three-part series about dealing with loss and the complications that can come from a lack of planning. To help me out, I've got a special guest, Katie Caruthers, who's gained a following on TikTok (@badwitch1126) sharing her raw experience in dealing with the loss of her mother.
Non-negotiables, uncompromising rules or habits people set for themselves or others, have gained popularity recently, from TV to TikTok. Alec's joining me in this episode as we look at how, in a world of overwhelming choices, some of us find comfort in these self-imposed mandates, especially in the world of finances.
6 Keys to Financial Independence
Brian Helms is with me in this episode as we look at how to have the "money talk" between generations. We're taking a look at how to discuss financial matters with aging parents, like retirement and estate planning, as well as financial principles with kids, like saving money and part-time jobs. And it can be awkward at first! But it gets easier over time.
6 Keys to Financial Independence
Do it yourself or hire a professional? That's the question we're asking in this episode! If, like me, you don't know a lot about cars, there's no shame in taking it to a mechanic! The same goes for your finances. Alec's joining me as we look at which aspects of financial planning you can DIY and which ones you probably want to get some professional help with.
6 Keys to Financial Independence
We're not quite as exciting as what you might have seen in the show MythBusters, but the myths we're busting can keep you from reaching true financial independence! Brandon Barber is with me in this episode as we look at common myths surrounding credit cards, renting, and more. And how busting these myths in your own life can help you make better financial decisions!
6 Keys to Financial Independence
In part two of our discussion on what to do if you're in a divorce, Brian Helms is joining me. We're taking a look at several items you'll want to address like beneficiaries, your estate plan, and changes to retirement and investment strategies. And we'd be remiss if we didn't also talk about taking some time to refocus and heal.
6 Keys to Financial Independence
In this episode, we're wrapping up a three-part series on banking with Lori Melton from First Community Bank. Divorce is hard and navigating the financial challenges that can arise make it even harder. We'll be looking at some action steps you can take with your personal finances.
6 Keys to Financial Independence
I've got special guest Lori Melton with First Community Bank back for part two of our series on banking. Just like financial advice isn't one size fits all, neither are banks! In this episode, we're taking a look at different aspects of banks - services, amenities, culture - so you can decide if you're in the bank that's right for you and give you some things to consider if you're looking to switch.
6 Keys to Financial Independence
With credit and bank cards being so common, all of us are likely to experience fraud at some point. I'm kicking off a three-part series about banking with special guest Lori Melton of First Community Bank. And in this episode, she's bringing her years of experience in the banking world to help you protect yourself against fraud and what to do if you're the victim of fraudulent charges.
6 Keys to Financial Independence
If you're living life solo, this is the episode for you. Financial planning can be a bit different for singles! Brian Helms is with me in this episode to give you some tips for navigating your financial journey without a significant other.
6 Keys to Financial Independence
You can't run from inflation! It's something we all have to deal with and, frankly, it can be scary. But there are ways you can be prepared for rising prices. I've got Brandon Barber with me as we look at understanding inflation and how investing is key to fighting rising costs. Plus, we're watching a video our team sent us where a financial advisor reacts to inflation in his own life!
6 Keys to Financial Independence
It's a question we hear a lot: am I saving enough for retirement? There's no one-size-fits-all answer to that! But Alec's joining me in this episode as we take a look at three things that can help you determine the answer: your goals, the resources you have/need, and how to get a realistic estimate if you're on track.
There can be a lot of financial considerations when starting a new job. Brian Helms is joining me as we take a look at some ways to slow down and make practical decisions that can have a BIG impact on your future!
Everyone loves an underdog story. But you don't want to BE the underdog. Alec Daril is joining me in this episode as we look at how to prepare, stick to the playbook, and run the play that will give you the highest chance of success on your road to financial independence.
In the last episode (159), Chad and I discussed getting started with credit. It's best if you can save and pay cash, but if you need to finance, you'll want good credit! Chad's back as we look at tips to build and maintain good credit.
6 Keys to Financial Independence
Debt isn't ideal, but it's often necessary. And your rates depend on your credit score. Chad's with me in this episode as we look at how to get started in establishing and building credit responsibly. We're starting with the basics and in the next episode, we'll go into more detail!
6 Keys to Financial Independence
Friends and clients sometimes ask about an investment idea and I'll ask, "Is it a speculative investment?" Most don't know what that means! Brandon's on board in this episode as we clarify what speculative investment means, and when they might be okay for you.
6 Keys to Financial Independence
Have you ever heard an "old wives' tale" or urban legend and thought to yourself: I can't believe people actually think that's true! In the financial planning world, we've got some myths that Brian and I are going to dispel in this episode. And you won't have to worry about running into bigfoot on the path to true financial independence!
6 Keys to Financial Independence
Vacations are meant to help you reset and recharge, taking a break from the day-to-day. So what about a financial vacation? Chad's joining me in this episode as we look at ways to take a step back in order to bring your financial independence into focus.
6 Keys to Financial Independence
I don't know about you, but I'm super pale and if I'm not prepared, the sun will burn me to a crisp. And if you get burned bad enough, you're certainly hesitant to repeat the process. We frequently hear stories from people who have been burned financially. Fortunately, Brandon brought the sunscreen and beach umbrella this week as we learned that while we can't avoid risk in the market, there are ways to manage that risk.
6 Keys to Financial Independence
It's been a "hot minute" since I graduated college and entered the workforce, so that's why I've got Alec with me today! We're looking at ways you can set yourself up for financial independence even though you're just getting started.
6 Keys to Financial Independence
Teresa. Chad. Ask us anything! We've your questions on deck for this episode:
Should I start my 401k in a Roth or pre-tax if my employer offers both?
If I'm investing in my 401k and HSA, what am I missing by skipping the IRA?
How should a 21-year-old who's starting to invest manage risk?
If you've got questions of your own, send them to me at show@getreadyforthefuture.com!
And don’t forget to check out 6 Keys to Financial Independence!
Which is better: dollar cost averaging or lump sum investing? It depends! Brandon, a paraplanner in our West Little office, is joining me as we look at the pros and cons of these options and which one might be right for you.
6 Keys to Financial Independence
If you're in your 30s, retirement might seem like a LONG way off. Brian joins me in this episode as we look at some misconceptions and obstacles you might face when getting started early. But if you start early, your future self will thank you for it!
6 Keys to Financial Independence
TikTok has become a popular source of financial advice and tips. But is it a good source? Alec Daril, an advisor on our Conway team, joins me in this episode as we take a critical look at the advice peddled by these "finfluencers."
When you're thinking about meeting with a financial advisor, where do you start? What do you look for? In this episode, I'm sharing a bit of my journey in becoming a financial advisor, as well as red and green flags to look out for in your search for an advisor who's right for you.
6 Keys to Financial Independence
TC124 We Need to Talk
Broker Check
In the final episode of a three-part series about insurance, Ryan Evans with Wayfinder Insurance is walking us through umbrella policies. What are they? And how can they help protect your assets?
In part two of our insurance series with Ryan Evans of Wayfinder Insurance, we're looking into auto insurance! What does "full coverage" really mean? And spoilers ahead: replacing your vehicle is NOT your greatest risk if you have the misfortune of an auto accident.
This is the first of a three-part series on insurance. And for that, I'm bringing back Ryan Evans with Wayfinder Insurance. In this first episode, Ryan brings some cautionary stories from his time in the industry. And why it's important to have a relationship with someone who can walk you through the complexities of the insurance world so you can protect your hard-earned assets.
We're answering YOUR questions in this episode of Talking Cents. Chad is joining me as we take a look at:
- Is there a version of an IRA for self-employed people?
- Is it a good idea to use some of the funds from my previous employer plan to pay off debt?
- What do I need to know if my parents want to gift me stocks/mutual funds and add me to their bank account?
And if you've got questions, send them to me at show@getreadyforthefuture.com!
There are a lot of tools out there to help people prepare their taxes, but there are times when it's best NOT to do it yourself. Chad's joining me as we dive into scenarios where it might be best to have the help of a professional so you can make the most out of tax season.
6 Keys to True Financial Independence
Planning to buy a home in the future? Then I've got some information you want to know! Joining me is special guest Trey Hooten with First Trust Home Loans. We're looking at three things that could trip you up when looking into a mortgage.
You might not need to talk with your advisor very often, but there are definitely life events you should let them know about! Chad Roller is with me on this episode as we go over seven times you should reach out to your advisor to help you navigate some of life's complexities.
6 Keys to Financial Independence
What's the worst financial advice you've heard? Brian's in the hot seat again on this episode and we're taking a look at some truly terrible financial advice we've found on the internet so you know what NOT to do.
Fear and debt have led to a financial crisis where many aren't investing in their future. The antidote to fear? Education. I'm joined by Chad Roller as we take a look at what you can do if you're in a financial crisis so you can start making progress today on your journey to true financial independence.
6 Keys to True Financial Independence
Did you know that bonuses and extra contributions can negatively affect your plan? What?! Brian is with me in this episode as we dive into the details of how to make the most out of your 401(k) plan and company match so you don't miss out on free money!
6 Keys to Unlocking Financial Independence
It's important to count both the short-term AND long-term costs of buying a home! Chad is joining me on this episode as we break down the essentials about mortgages that you need to know so you can make an informed financial decision.
We're looking at efficiencies this week, and how they can help (or hurt) your personal finances. Chad Roller is joining me again as we try and find a balance between the good and the bad with today's modern financial tools.
The Secure 2.0 Act was passed in 2022, but some new rules didn't go into effect until this year. Chad Roller is joining me as we look at some of the new tools at your disposal in 2024!
A lot of the time, self-care is about physical health or emotional health. But what about financial health? Because finances have a very real impact on just about every area of your life. In this episode, I've got three tips so you can make sure not to neglect your financial wellness.
It's a new year. Ask yourself: what's holding you back from making progress on your goal to be financially independent? Chad Roller is joining me on this episode as we take a look at some hurdles that might be standing in your way and how to overcome those!
After the student loan pause, many are experiencing a financial pinch now that payments have resumed. Joining me today is our Planning Intern and real-life student, RandeeK. We'll be talking through some of her recent loan experiences and some updates from the Department of Education that could help ease the burden of repayment.
While we don't love debt, it sometimes can't be avoided. And if you want a good interest rate on that debt, you're gonna need a good credit score. Chad Roller is in the co-pilot seat again on this episode as we look at ways to increase that score and keep it high.
We've had significant property damage from weather events here in Arkansas over the last couple of years. And that's having an impact on the insurance industry. In this episode, I'm joined by special guest Ryan Evans, with Wayfinder Insurance, to give us insight into how the industry is changing and how these changes affect you.
This ain't your daddy's layaway program. With 1 in 3 consumers using a "buy now, pay later" plan on their purchases, we've got to talk about it. Chad Roller joins me as we look at who's using these plans, why they're using them, and what's the risk.
The holidays can be filled with so much joy! It can ALSO be filled with so much stress! There's often a whirlwind of food, friends, family, decorating, travel, gifts, OH MY! In this episode, I'm going to give you three tips for the holidays and dealing with all the things.
Like a car in the mud, when you're financially stuck it's easy to keep spinning your wheels and go nowhere. Candice Stanley is joining me again as we look at ways to get out of the ruts and back on the road to financial independence.
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If you've got clowns to the left of you and jokers to the right, what does that make you? Brian Helms, from our Bryant office, is bringing some of his life experiences to the show today! We're looking at how the people you hang out with can help (or hinder) your financial journey.
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I've got Candice Stanley joining me in this episode. We're talking credit cards! When to use them. How to use them. And why we're totally fine being called deadbeats.
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Hear me out! I realize the title sounds like a crazy thing to say as someone who specializes in retirement income planning. For some of us, retirement is a long way off. But I've got a goal in mind that's a bit more tangible.
6 Keys to Financial Independence
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Don't you hate hearing that phrase? We need to talk. It always sounds so ominous! Chad Roller's joining me in this episode as we look at different life events and milestones that should prompt you to reach out to a financial advisor and tell them, "We need to talk."
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We all make mistakes and wish we could have done things differently. But on today's show, I want to give you some important tips so that you have no regrets when it comes to your finances!
Haircut Regrets
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We all have bad habits - some are big and some are small. And if you have bad financial habits, those can hold you back from the goal of TRUE financial independence! With some help from my Conway partner Chad Roller, we're going to identify some bad financial habits and solutions you can implement today!
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$16,000,000,000. That's how much American household debt rose just in Quarter 2 of 2023. Most of that is from credit cards and auto loans. In this episode, I'm talking about our debt culture - something that I've been a victim of myself - and what steps you can take to reasonably keep yourself out of unnecessary debt.
6 Keys to Financial Independence
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Being a mom, I can turn anything into an analogy when trying to give advice (apologies to my kids). And as a financial advisor, I've found a lot of motherly advice can also apply to your financial journey! In this episode, I'm sharing four pieces of advice to help you on your path to TRUE financial independence!
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With the rise of social media, there's a growing trend among young adults where the goal is to look wealthy. But looks can be deceiving! I'm joined again by Chad Roller as we explore the differences between looking wealthy and being wealthy, and how being wealthy is WAY cooler.
6 Keys to Financial Independence
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There is over $6.3 trillion held in 401k's, but most plan holders don't fully understand them or financial terminologies! I'm joined again by Chad Roller in this episode as we run you through a crash course of everything you need to know about your 401k!
39: Roth vs. Traditional
6 Keys to Financial Independence
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If you've ever seen the popular gameshow Deal or No Deal, you understand the risks and rewards involved in playing. It's all about choice - the right choice can make you rich and the wrong choice can leave you with nothing. In this episode, I'm joined by Chad Roller as we look at different investing concepts and ask the question: Deal or no deal?
6 Keys to Financial Independence
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It might feel wrong to plan for loss, but not doing so can cause even more pain when you're already grieving a loved one. In this episode, we're taking a look at ways to plan ahead with inherited funds. So if and when the time comes, you can focus on what matters most.
6 Keys to Financial Independence
If you've got a child on the way, you know it can be simultaneously exciting and scary. And that's before thinking about the costs involved! Kids ain't cheap. But we're here with some financial wisdom to help you be able to focus on your bundle of joy and NOT a bundle of bills!
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There's been a rise in the culture surrounding long hours, sacrificing self-care, and placing "the grind" at the center of your life. Is that a healthy lifestyle? NO! We believe in balance and want to help you avoid burnout on your financial journey.
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If you're at the point where you're maxing out your employer plan match, that's great! So what now? We've got some next steps to consider in this episode to make your money work for you on your way to true financial independence!
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Time marches on for all of us. And as our parents get older, having financial conversations with them is important. These can be hard! So in this episode, we're giving some guidance on how to start these discussions so you can have them before it's too late.
GenWealth Academy 7 Steps to Financial Independence
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What's the primary threat to your finances? Is it the markets? Inflation? A potential recession? The answer might be a bit closer to you than you think! Join us in this episode as we look at how having a plan can help keep you on the path to true financial independence.
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Nobody is immune to making financial mistakes. Not even advisors! But there are some common mistakes we hear all the time and we're taking the opportunity in this episode to help you get ahead of those mistakes so they won't hold you back in your journey to true financial independence.
6 Keys to Financial Independence
Episode 15 - Give Yourself Some Credit
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Many who are getting closer to retirement have the noble goal of entering that stage of life without debt. But is paying off your house worth it? We're taking a look at how this might actually HURT more than it HELPS! And how you might accomplish this goal in financially beneficial ways.
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Yes and no! Financial stress is real and applies to those who have less money AND those who have more! We're looking at a couple of studies conducted on money and happiness and how happiness can often be more related to how you handle your money than how much you make.
6 Keys to Financial Independence
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A prenup might seem like a taboo topic, but it shouldn't be! We're breaking down what a prenup is, what it isn't, and how you and your partner can have some honest financial conversations before tying the knot.
Episode 77 - Rules of Engagement
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When someone comes in for their first meeting with an advisor, there are often many questions on their mind. In this episode, we're going over the top 5 most-asked questions we've heard over the years.
The Cow Story (Dollar-Cost Averaging Explained)
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Disclosure: Dollar cost averaging involves continuous investment in securities regardless of fluctuation in price levels of such securities. An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.
"The best things in life are free. But sooner or later the government will find a way to tax them." If you've had a rough time come tax season in the past, DO NOT FEAR! In this episode, we've got three items that YOU can control, so hopefully you have a better time with your taxes in 2024.
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If you have a kid who's graduating soon and would like to help them get a head start on their financial future, then this is the episode for you! We've got some great tips and simple steps to help your young investor kickstart their true financial independence.
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It can be exciting taking a side job and turning it into a small business! And if that's your dream, we've got you covered with several things to consider before getting started so you can set yourself up for success in your entrepreneurial journey!
You can also check out Episode 101 for more information on saving for retirement while running your small business!
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The journey to financial independence is a deeply personal one. So how do you define it? If you're not quite sure, we're here to help! In this episode, we'll discuss what Financial Independence is NOT and some questions to ask yourself when determining what it means to you!
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It might not be top of mind if you own a small business, but you need to have an exit strategy! In this episode, we're looking at retirement plan options for you (and your employees if you have them), so you can be on the road to true financial independence!
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If you look online, you can find a LOT of conflicting information on life insurance. We're breaking down the differences in this episode so you can be more informed when considering which might be a good fit for you and your legacy.
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Talking about finances is often a taboo topic. But why? In this episode, we're taking a look at why we're so averse to the subject and when it's okay to be open about your finances (and when you really shouldn't)!
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If you're changing jobs, you might have a 401(k) from your previous employer. But what should you do with it? We're looking at four options for your employer plan and the pros and cons for each in this episode.
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If you've been laid off by your employer, you may have received a severance package, but did you know that a portion of that package is subject to taxes? In this episode, we'll explore the ins and outs of how severance pay is taxed and offer tips on how to minimize the tax impact.
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It's easy to feel overwhelmed when looking at THE economy - rising inflation and interest rates, market volatility, and talk of an imminent recession. But what about YOUR economy? In this episode, we want to help you understand the risks of investing and how those risks actually help your overall plan!
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Even after close to a decade in the industry, new terminology and buzzwords get thrown around that we as financial advisors have to look up to stay up-to-date on matters relevant to the industry and our clients. So how are you supposed to keep up with them?! Have no fear, we're here with the most important terms and how they apply to you on this episode of Talking Cents!
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Have you ever eaten Lucky Charms? Savored the delightful, brightly colored marshmallow charms? We're having a bit of fun in this episode and turning these treats into a guide to financial independence.
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We're diving into a topic that's not easy to think about: how to manage funds if you're on the receiving end of a loved one's life insurance policy. We know firsthand how overwhelming this can be! So in this episode, we're sharing some personal experiences and ways you can handle these funds in a meaningful way.
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Do you fall prey to some bad money habits? Don’t worry, we have to. But we've got some tips on how to use your money more wisely, no matter the amount! From creating emergency funds to avoiding impulse purchases, we've got you covered in this episode!
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There are NUMEROUS ways to save money and shelter that money from taxes. In this episode, we're taking a look at how some of these work and how they can work for YOU.
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Every day, we areasked the question “Which investment is the best?” And we have always explained that we would need to do a deep dive into their financial goals to answer that, but I have finally found a workaround! Google has several quizzes just pick one! Don’t be alarmed if each one gives you a different result... JUST KIDDING. That's terrible advice. On this episode of Talking Cents, we're making sense of investments and how to tell which one is best for you.
They really should have a class on this in school! Deductible, co-insurance, co-pay, out-of-pocket Max?! How is anyone supposed to make sense of their health insurance policy without knowing what it all means. On this episode of Talking Cents, we're decoding health insurance.
Financial Independence is a deep desire that every human holds with longing. Yet, so few of us actually have it. Some seem to obtain it so effortlessly, while others work all their lives in its pursuit. As we have met countless individuals from all walks of life,one trend we have noticed is that people who are successful in this endeavor don’t necessarily come from riches –they simply know what it actually means to pay yourself first.
For investors, finding the right financial advisor can be a deeply personal endeavor. Given the high stakes of this relationship, investors looking for a new advisor should do their homework. In this episode, we give you 6 questions to help you make sure you make the right choice when selecting who to work with!
in our best Regis Philban voice WHO WANTS TO BE A MILLIONAIRE?!
The reality is that you're probably not going to just "win" a million dollars some day, so how to you stack up enough cash to be able to retire? Well, you do it by doing the little things day in and day out. We call it "Get Rich Slow" and we're talking about how to do it on this episode of Talking Cents.
"Green means go, yellow means slow, and red means stop stop stop!" We're taking a look at some financial habits in this episode to help you determine if there are those you need to start, stop, or continue.
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New Year's resolutions have become a bit of a joke, with very few people following through. But as we start the year, we want to help you make financial independence MORE than a resolution!
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We've got an encore presentation of our most listened-to episode of 2022!
Which one is better? Well…that depends! Today we're looking at two types of IRA, what they mean, and how each can help you toward your financial goals.
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Do you carry cash? Most of us don't anymore. And in an increasingly cashless world, how do your kids make purchases? In this episode, we're looking at some best practices for introducing children to debit cards AND teaching them financial literacy.
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Education is our passion! And there are a lot of terms out there you may have heard but don't understand. In this episode, we're tackling "cost of living." What is it? And what does it mean for you?
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We all have gaps in what we know - we can't know everything! One missing piece of knowledge for many of us is managing money. And if you're in this camp, give yourself some grace first! The second step is to get educated. And in this episode, we're looking at areas you can focus on to grow your financial knowledge.
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Venmo. CashApp. Apps like these can be extremely convenient! But do you leave money sitting in them? There are some risks we want to talk about on today's show and how you can avoid them to make sure these tools are working FOR you and not AGAINST you!
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If you've built up equity in your home, should you sell to buy a new house? Or pay off debt? Or even just to make a profit? In any case, it's important to have a good understanding of what home equity is and what it means for you!
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The basics of investing: buy low and sell high. And a bear market, where stocks are trending down, can be a great opportunity for long-term investors! But before you dive in, we want to give you some tips on what to do, and what not to do, when buying the bear.
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It's been said, "If you liked it then you should have put a ring on it." But what kind of ring? How much should you spend? If you're looking to be engaged, we've got some important questions to ask yourself, AND your partner, so you don't go broke before you're betrothed.
And if you want more info on keeping debt out of your wedding, check out this episode: Don't Let Wedding Debt Ruin Your Marriage
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What's your net worth? Let's back up: do you know what net worth means? With so many terms in the financial industry, it can be hard to keep track! So we're here to break this term down so you can know what it means and how it affects YOU.
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It's not a bad thing to treat yourself! But you don't want to do it in a way that compromises your financial stability. We're looking at some easy ways in this episode to give yourself some treats while still working toward the real goal: financial independence!
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Social media is a double-edged sword. One side allows us to easily share in each other's lives while the other side can leave us feeling inadequate in comparing what WE have to what THEY have. And that can be emotionally and financially costly. But take heart! We're going to shed some light on social media and how you feel about your money.
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You're hot, then you're cold. You're yes, then you're no. You're in, then you're out. You're UP, then you're DOWN! Why can't the stock market get its act together? We're going to let you in on a little secret - this can be a good thing. In this episode, we're talking the good, the bad, and the ugly of the markets and how you can use it to your advantage.
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For the vast majority of Americans, there is no such thing as "get rich quick." And those that try and sell you on that idea? THEY are going to benefit, while YOU lose money! Today we're going over what to ask yourself when you see these claims so that you're not chasing a rainbow for a pot of gold that doesn't exist.
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If you've ever played any old-school video games, you're familiar with the character select screen - picking who will be representing you as you play the game. But choosing who will represent you in taking care of your finances is no game! We're looking at different types of advisors in this episode so you can conquer your financial goals!
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They say "two heads are better than one," but are two incomes better than one? You might be surprised! Combining incomes can be helpful, but you have to be intentional about how you move forward! In this show, we've got some ideas on how to keep a financially healthy house.
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Folks, kids are EXPENSIVE! If you're a first-time parent bringing home a child, do you have a plan for how to handle the financial changes? We're sharing some parental money advice in today's show in the hope we can set you up for success in this new adventure!
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With a plethora of options offered by employers, it can be difficult to know what exactly they do and, more importantly, how to use them effectively! In this episode, we're breaking down employer plans so you know how to make the most out of them.
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Buying a car can be a mess in the best of times and we're still seeing higher prices on vehicles. But technology is on our side in today's episode as we go over some resources that can help in your car buying experience!
Episode 19 - Hot Wheels
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There is real science behind the good feelings we get when shopping. And retail isn't necessarily bad! We're going over some potential risks in today's show so that you don't end up with some serious buyer's remorse.
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An astounding 80% of US consumers are using what are essentially short-term loans for everyday purchases. What is buy now, pay later? Who is using it? And what are the risks? We're answering these questions and more in this episode!
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Has anyone told you it takes seven years to digest a piece of gum? Or that if you cross your eyes they'll get stuck that way? Not true! And in the same way, there are common myths in dealing with finances that we're going to debunk in today's show.
Episode 64 ConGRADulations: Money Moves to Make When You Graduate
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Webster defines ballin' as…wait. That's not a real word. Let's try this again.
Wiktionary defines ballin' as having an ostentatiously wealthy lifestyle. Is it still ballin' if you're trying to be fiscally responsible? We're looking today at how to strike a balance between your short-term needs/desires and your long-term financial goals.
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If there's something strange in your financial neighborhood, who ya gonna call? Marc and Teresa! We're taking tips from the 1984 classic Ghostbusters and applying them to your finances in today's show. And we'll try not to cross the streams…
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We're headed to the movies this week on Talking Cents! In this episode, we're turning lessons from Daniel LaRusso, the Karate Kid, into a financial independence journey.
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What do you do when your financial situation feels overwhelming? The first thing is don't panic, which is sometimes easier said than done. Today, we're going to look at some ways to help mitigate that stress and if you're off track, help you get back.
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Financial independence is not a universal term; it means different things to different people. In this episode, we want to ask the question: what does being financially independent mean to you? And how can you work toward that goal?
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People talk a lot about self-care - taking care of your mental, physical, and emotional health. But what about your financial health? Your financial situation impacts all other aspects of your life and we've got some tips today to help you make some positive moves toward financial wellness.
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MOVE! THAT! STUB! Pay stub, that is. How often do you look at your pay stub? We mean really look at it? In today's episode, we're tearing apart your paycheck (figuratively) so you understand what's going on with your money and how you might be able to more finely tune where your dollars are going.
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Like many things in life, you can have good habits and you can have bad habits. Building good habits can make you healthier, happier, and in our case, financially free. Today we've got 15 minutes and 12 habits, so buckle up!
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Starting a life together by incurring a bunch of debt is not a great start! One of the most common sources of fighting and divorce is money and finances. In this episode, we've got some tips for lowering expenses on your special day so you can start out with a better financial foundation!
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We've heard that buying lattes could cost over $1 million over the course of your lifetime. While that might be true, there are even more costly mistakes you can make and we've got seven for you in this episode.
Episode 53 - Do I Have to Put 20% Down on a House?
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Nope! While putting 20% down on a new house has advantages, as with everything we talk about, it also depends on your specific situation! In this episode, we'll discuss the magic "20%" number, what it means, and what other options you might have when looking to purchase a home.
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You don't know what you don't know. When should I invest? Is now a bad time? How much should I invest? These are just a couple of examples of questions we will answer in this episode!
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Budgeting? That single word makes many cringe. But in this episode, we want to reframe your perspective and help show you how freeing it can actually be to have a budget.
Request the budgeting tools mentioned by sending an email to info@getreadyforthefuture.com!
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We talked a while back in Episode 21 (Work Hard, Play Hard) about how to succeed in a side hustle, but how do you get started? We're looking at three things today before you even think about getting started to help set you up for success!
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We hear so many stories, both personally and from our clients, about something a previous financial advisor didn't talk about but should have. And it's not Bruno. Your journey to financial independence is as unique as YOU! And that's our focus on today's show.
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We eat, sleep, and breathe financial independence. It is our passion. What is standing in the way for you when it comes to being financially independent? We're looking at three potential obstacles you might be facing on this journey and how to address them in today's show.
Episode 33 - Three Financial Goals You Can Set NOW for 2022
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Retail therapy can be a struggle and the struggle is real! It can be so easy to click "buy it now," but today we want to give you five tips to help you (and us) cut back on emotional spending.
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The money you worked so hard to obtain won't do any good if you lose it. Whether there's a scam or falling prey to bad investment advice, the best offense is a good defense. In this episode, we're looking at how to protect your money from those who want to take it from you.
Federal Trade Commission
Episode 12 - Madoff with Your Money
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Philanthropy is important to many people. And there are ways to deduct certain charitable donations from your taxes! And it's not just money, but potentially goods as well! In this episode, we're looking at how to get the most out of this benefit.
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What's so special about April 15? It's tax day! We've got some basics in today's show to help break down what you need to know about filing taxes and where you can find help if you're feeling overwhelmed.
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There is a lot of jargon out there in the financial world that every day people might hear, but not understand. Today we're covering a common industry phrase, breaking it down with a story (about cows), and how some simple investing strategies can have long-term benefits.
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Disclosure:
Dollar-cost averaging involves continuous investment in securities regardless of fluctuations in price levels of such securities. An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.
Financial advisors wear many hats - counselor, advisor, coach, accountability. We're meant to help you on your journey to financial independence! With such an important role, it's critical that your advisor is the right fit for you and your unique goals. In today's show, we've got three big questions you should be asking your advisor.
What's the Plan?
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Do you think life insurance is unaffordable? Are you too young for life insurance? We're going to bust some common myths about life insurance in this episode so that if the worst happens, you can still take care of those left behind.
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Human Resources is not licensed to provide you with financial advice. But we are! In this episode, we're talking about the ins and outs of your employer plan and how you can make the most of it.
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Which one is better? Well…that depends! Today we're looking at two types of IRA, what they mean, and how each can help you toward your financial goals.
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There are people who bet on everything - sports, politics, the next pope? People bet on everything! But what don't want is for you to gamble on your financial future. We have some common financial gambles in today's show and insight into why they are probably not your best bet.
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Valentine's Day is approaching. And while popular culture paints a picture of expensive or grandiose gestures, we want to give you a few ideas of how to make your significant other feel the love without breaking the bank!
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Inflation is in the headlines constantly. And you might have heard of a COLA, or cost of living adjustment. How does all of this work? We've got some good news, some bad news, and some action steps to consider on today's Talking Cents!
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Time is money. With a little planning and discipline, and the help of compound interest, investing early can be a simple way to a millionaire by the time you retire!
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A new year! New Year's resolutions! Do you make them? Do you keep them? Most people who make these goals fail to accomplish them. But that's not for a lack of desire, but a lack of clear goals and planning. Today we're looking at how to create financial goals you can accomplish and three great goals with which to start.
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If you're in a financial rut, we don't want you to just spin your tires and dig yourself deeper. And many of us have gotten into these ruts not on purpose, but through uninformed decisions or bad habits. We're here to help you get out of the mud today with some clear steps to get you unstuck.
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The new year is right around the corner and we're bringing back our most listened to episode of 2021!
You don't know what you don't know. We're talking about some BIG financial mistakes you can make and, more importantly, how to avoid them.
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Along with fun memories and traditions, the holidays can also bring a fair amount of stress. Specifically, financial stress! We've got a few tips on today's show on how to avoid stress and avoid unhealthy spending.
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Millennials, those born between 1981 and 1996, can be prone to make certain money mistakes that may put you behind financially! We've got some common challenges many millennials face in today's episode and ways to overcome them.
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We've gone over potential red flags in looking for an advisor. But what about red flags in your plan? Planning is our passion, so we've got a few things to look out for to help you determine if your plan is going to help you in your financial journey.
What's the Plan?
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Many people don't account for inflation, a force outside of their control, in planning for their financial future. And inflation can cause havoc on the unprepared. We're going a bit in the weeds on today's show to make sure you understand what inflation is and how you can combat it.
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When you leave school, the real world can hit you like a ton of bricks. And when you enter the workforce, we want you to have the tools you need to make your money work for you and not the other way around.
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Financial differences can have a toxic effect on your marriage. We're here today to look at some ways to set your marriage up to win financially (and allow you more time to argue about where you're going to eat or what shows you're going to watch).
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Is your goal to be financially independent? Most people want to get there, but they just don't know how. Today we're looking at steps to get you in the right direction toward financial independence.
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Are financial advisors just stockbrokers? Are they only for the ultra-wealthy? On today's show, we're debunking some common misconceptions about financial advisors and why you might need one.
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It's the spooky season here in the studio and today we're looking at horror films! We've got six films from which we're gleaning some financial advice…if you dare!
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In a follow-up from episode 14, we're talking 10 ways in which you might be able to minimize or completely avoid student loan debt!
Scholly
Scholarships.com
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Today we're talking side hustles - some of the challenges involved and keys to making the most out of the gig economy.
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We're approaching National Boss Day. So in today's episode, we've got four tips for you to reach your career goals like a boss!
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We're here this week to help you in the decision-making process of buying a car. It can be stressful! And expensive. But we've got a few tips for you if you're interested in a new set of wheels.
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We all make mistakes and wish we could have done things differently. But on today's show, we want to give you some important tips so that you have no regrets when it comes to your finances!
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There's a lot of financial information out there, but not all of it is good. And even if the information is good, is it good for YOU? In this episode, we're playing matchmaker to help you in your relationship with finances!
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Cryptocurrency has become a force to be reckoned with in the financial industry. But what is it? And is it really for you? We're your crypto-keepers on today's episode as we shine some light on this relatively new (and confusing) financial vehicle.
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Credit is not king if you can save and pay cash, but in the event that you have to finance a purchase, your credit score is important! On this episode, we're giving you 7 tips on how to crack the code of building and maintaining good credit.
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What you really, really want! Many millennials' largest want is to be debt-free. And on today's episode, we're talking about how to handle the primary source of debt for many in this age group: student loans.
Student Loan Resources
- National Student Loan Database
- Income-Driven Repayment Options
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Losing a loved one can be one of the hardest things in life. And thinking about it is never fun. In today's show, we're talking about how to protect your family with life insurance. And in doing so, help prepare you in advance so as not to add financial burden on top of grief.
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Bernie Madoff died earlier this year. For those who don’t know him, he ran a Ponzi scheme that lasted four decades and robbed people of over $65 billion. But, what’s to stop the next Bernie Madoff? Today, we are going to talk about practical steps you can take to spot the red flags and protect yourself from being the next victim.
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Fall Out Boy released this song in 2007, singing “Thanks for the memories even though they weren’t so great…” Our experiences and memories shape so much of our outlook, so let’s take a look back to look forward on this episode of Talking Cents.
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Have you ever thought if only I had more time, I could get that done? Do you feel like you just don’t have time to make your financial independence a priority? Today, we are going to talk about why you should make financial independence a priority, even when you ain’t got time for that.
Don’t worry, we aren’t spending our whole podcast comparing notes on who has the best vanilla latte. On this episode of the Talking Cents podcast, we’re talking about the basics of financial responsibility!
Whether you’re starting a completely new career or being promoted into a new role at the company you’ve been with for years, a new job often comes with a new set of financial opportunities. We’ve got what you need to know on today’s episode.
While we're not musicians, we ARE financial advisors. And we're talking today about ways to kick your money stresses to the curb.
When users on TikTok start throwing around financial advice, this is where we shout, "IMPOSTER!" On today's episode, we're throwing some of these claims straight out into the vacuum of space.
What's a bun without the burger? Investments are an important part of building wealth, but on today's show we're talking about how investments alone aren't enough for financial independence.
There's a lot of jargon our there in the financial world - Roth or Traditional IRA, 401(k), 403(b), growth fund, value fund. What's it all mean? We're going to crack the codes for you on today's show!
You don't now what you don't know. We're talking about some BIG financial mistakes you can make and, more importantly, how to avoid them.
How much house can you afford? On today's episode, we've got some important things to consider when looking into buying on home.
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In our debut episode of Talking Cents, we've got some quick tips for helping build wealth (and keeping it).
And here are some of the great tools we talked about!
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What's the Plan?
Welcome! Navigating your financial journey can be complex, but our hope is to make it as easy as possible. We’ll break down what you don’t know about money, help you build a solid foundation of financial knowledge, and give you practical steps to take toward financial independence. We’ve even got some financial tools and resources that we’ll not only talk about, but give you access to.