Personal Finance from the Hill-Top: Recent Episodes

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EPISODE SUMMARY: In this episode, Kyle and Michael cover Annual Benefits Enrollment. Topics covered include: 401k/Roth 401k Plans, Employer-Sponsored Health Insurance, Health Savings Accounts, Long Term Disability Insurance, Life Insurance, and much more.

Skip the Fluff Time Marker: 54:33

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RESOURCES:

LMFAO - “Sexy and I Know It”

Chris Stapleton - “White Horse”

Charlie Blackmon Walk up

401k Plan

Roth 401k Plan

Vesting Schedule

Preferred Provider Organization (PPO) Plan vs. High Deductible Health Plan (HDHP)

Health Savings Account (HSA) limits for 2023 and 2024

Lively HSA Provider

Long-Term Disability Insurance

Term Life Insurance

Episode #4 - Life Insurance w/ Andy Flattery

Michael Pyle - Challenge Everything Financial

Website,

LinkedIn,

Facebook,

X (Twitter)

Kyle Hill, CFP® - Hill-Top Financial Planning, LLC

Website,

LinkedIn,

Kansas City Financial Advisors Network (KCFAN)

XY Planning Network (XYPN),

NAPFA,

FEE-ONLY Network,

CFP Board

*This podcast uses sounds from freesound: Dry Transition by Electroviolence , Metal Door Slam Shut by ecfike, and Scream by ngrib

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In Episode 21, we're discussing questions about bitcoin with Andy Flattery, CFP® from Simple Wealth Planning. Andy is a Kansas City-based bitcoin enthusiast and local expert on the topic that is very involved in the bitcoin community. The rise over the last decade of bitcoin has created a lot of interest, but even more questions. What is bitcoin? How does it work? Is it money or an investment? How do you value it? How do you secure it? What happens if you lose it?

These are all questions that have probably popped into your head at one time or another when thinking about bitcoin. Being intrigued but still skeptical about bitcoin, Kyle sits down with Andy to ask his honest questions about bitcoin. Before they dive into bitcoin, the Hill boys define money for you. Not bad for a 4 and 6-year-old! To skip the fluff go to the 25:20 mark. Bitcoin Resources: https://nakamotoinstitute.org/bitcoin/ (Satoshi Nakamoto While Paper ) https://www.investopedia.com/terms/s/satoshi-nakamoto.asp (Who is Satoshi Nakamoto?) https://en.wikipedia.org/wiki/Nick_Szabo (Nick Szabo) https://en.wikipedia.org/wiki/Cypherpunk (What is a Cypherpunk?) https://en.wikipedia.org/wiki/Merkle_tree (Merkle Tree) https://www.investopedia.com/terms/b/blockchain.asp (Blockchain) https://cryptopotato.com/5-facts-you-probably-didnt-know-about-satoshi-nakamoto/ (Satoshi Nakamoto = SAmsung, TOSHIba, NAKAmichi, and MOTOrola?) https://decrypt.co/resources/what-is-the-bitcoin-halving (Halving Events) https://www.investopedia.com/terms/b/block-reward.asp (Block Reward) https://www.bankrate.com/investing/what-is-bitcoin-mining/#:~:text=Bitcoin%20mining%20is%20the%20process,a%20predetermined%20amount%20of%20bitcoin. (Bitcoin Mining)  https://www.investopedia.com/terms/m/mt-gox.asp (Mt. Gox)  https://en.bitcoin.it/wiki/Brainwallet (Brainwallet)  https://en.wikipedia.org/wiki/Bitcoin_in_El_Salvador (El Salvador goes to Bitcoin)  https://www.investopedia.com/terms/v/valueinvesting.asp#:~:text=Value%20investing%20is%20an%20investment%20philosophy%20that%20involves%20purchasing%20assets,The%20Intelligent%20Investor%2C%20in%201949. (Value Investing)  https://www.investopedia.com/terms/a/austrian_school.asp#:~:text=The%20Austrian%20school%20is%20an,or%20%22causal%20realist%20economics.%22 (Austrian School of Economics) https://vijayboyapati.medium.com/the-bullish-case-for-bitcoin-6ecc8bdecc1 (The Bullish Case for Bitcoin by Vijay Boyapati)  https://www.microstrategy.com/en/investor-relations/executive-team/michael-saylor (Michael Saylor)  https://www.amazon.com/Bitcoin-Standard-Decentralized-Alternative-Central/dp/1119473861 (The Bitcoin Standard: A Decentralized Alternative to Central Banking by Saifedean Ammous) https://www.fool.com/investing/stock-market/market-sectors/financials/cryptocurrency-stocks/cold-storage/ (Cold Storage)  https://www.coindesk.com/learn/what-is-a-51-attack/ (What is a 51% Attack)  https://www.coinbase.com/ (Coinbase)  https://bitcoinist.com/obama-swiss-bank-wallet/ (Obama: “Swiss bank account in their pocket”)  https://www.investopedia.com/terms/q/quantum-computing.asp (Quantum Computing)  https://www.fool.com/investing/2021/06/18/the-man-who-lost-265-million/#:~:text=Many%20years%20ago%20Stefan%20Thomas,had%20never%20heard%20of%20crypto. (The Man Who Lost $265 Million (Motley Fool))  https://unchained.com/ (Unchained Capital)  https://research.csiro.au/blockchainpatterns/general-patterns/self-sovereign-identity-patterns/hot-and-cold-wallet-storage/#:~:text=A%20party%20maintains%20keys%20in,keys%20and%20is%20kept%20offline. (Hot and Cold Wallet Storage)  https://strike.me/ (Strike) https://www.swanbitcoin.com/ (Swan Bitcoin) https://grayscale.com/products/grayscale-bitcoin-trust/ (Grayscale Bitcoin Trust (Ticker: GBTC)  ) https://www.altoira.com/products/alto-cryptoira/ (Alto CryptoIRA®) ...

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In Episode 20, we're talking about where to stash some retirement cash with Don Martini, CFP®, CFA of Envision Financial Planning, a firm based in San Francisco, CA. The Roth IRA is a great little investment vehicle for retirement savings because of the tax-free benefits. We dive into all the details of: Contribution limits for 2021 & 2022 Income Contribution Limits & Phaseouts Required Minimum Distributions (RMDs) and the tax impacts Minimizing Fees Investment Options Backdoor Roth IRAs and where to open one

Per usual, before we dive in we enjoy some fluff with Don as he shares his world travel adventures, and what we wanted to be growing up. To skip the fluff go to the 41:35 mark. RESOURCES: https://www.tripadvisor.com/Attraction_Review-g60713-d12711769-Reviews-Full_House_House-San_Francisco_California.html (Full House house) https://www.imdb.com/title/tt0117500/ (The Rock (movie) ) https://en.wikipedia.org/wiki/Oracle_Park (Oracle Park) https://www.mlb.com/player/cam-gallagher-595956 (Cam Gallagher Catcher for the Kansas City Royals) https://www.investopedia.com/terms/r/restricted-stock-unit.asp (RSUs (Restricted Stock Units)) https://www.imdb.com/title/tt4236770/ (Yellowstone (tv show)) https://www.imdb.com/title/tt4574334/?ref_=fn_al_tt_1 (Stranger Things (tv show)) https://www.imdb.com/title/tt5071412/?ref_=fn_al_tt_1 (Ozark (tv show)) https://www.imdb.com/title/tt10986410/?ref_=nv_sr_srsg_0 (Ted Lasso (tv show)) https://www.nps.gov/yose/index.htm (Yosemite National Park ) https://baseballhall.org/hall-of-famers/mantle-mickey (Mickey Mantle ) https://www.peru.travel/en/attractions/machu-picchu (Machu Picchu) Don's Walk-up Song - https://youtu.be/SSbBvKaM6sk (“Song 2”) by Blur  (confirmed after recording; great choice!) Kyle Walk-up Song - https://www.youtube.com/watch?v=11hBvTO4jUo (“Forever Young”) by Bob Dylan  https://www.hilltopfp.com/podcast/episode/1c7715d6/episode-17-what-should-you-do-with-that-old-401k (Episode # 17 “What Should you do with that old 401k?” w/ Ethan Hutcheson, AAMS®) https://www.investopedia.com/terms/r/rothira.asp (What is a Roth IRA [Investopedia])  https://www.irs.gov/retirement-plans/roth-iras (Roth IRAs [IRS]) https://www.irs.gov/retirement-plans/individual-retirement-arrangements-iras (Individual Retirement Arrangements (IRAs) [IRS])  https://www.investopedia.com/roth-and-traditional-ira-contribution-limits-for-2021-5085118 (IRA & Roth IRA Limits 2021 & 2022)  https://dehistory.org/collections/about-our-collections/senator-william-v-roth-collection/biography/ (Sen. William Roth)  https://www.olt.com/main/home/default.asp (OLT (OnLineTaxes)) https://ttlc.intuit.com/community/retirement/discussion/how-can-i-check-my-modified-adjusted-gross-income-is-below-the-limit-that-allows-roth-contributions/00/2595173 (How to calculate your MAGI (Modified Adjusted Gross Income)) https://www.thebalance.com/what-is-graded-vesting-5206924 (Vesting Schedule) https://www.bankrate.com/retirement/ira-rmd-table/ (Required Minimum Distributions (RMDs)) https://taxfoundation.org/tax-reform-explained-tax-cuts-and-jobs-act/ (Tax Cuts and Jobs Act of 2017 (TCJA)) https://www.foxbusiness.com/politics/government-spending-inflation-spike-san-francisco-federal-reserve (Government Spending to Blame for Inflation says the San Francisco Fed) https://www.businessinsider.com/modern-monetary-theory#:~:text=Modern%20Monetary%20Theory%20(MMT)%20is,Federal%20Reserve%20Bank%20of%20Richmond. (Modern Monetary Theory (MMT)) https://www.wsj.com/articles/biden-to-propose-new-minimum-tax-on-wealthiest-americans-11648335232 (Biden Wealth Tax Proposal (It’s insane…)) https://www.wsj.com/articles/joe-bidens-big-new-wealth-tax-white-house-budget-fy-2023-11648504962?mod=opinion_trending_now_opn_pos2 (Op-Ed Biden Tax Proposal (WSJ)) ...

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On Episode #19 of Personal Finance from the Hill-Top, Kyle mentions a unique opportunity to be able to deduct up to $600 ($300 for Single) from your taxes in 2021, even if you're taking the Standard Deduction (Single $12,550/MFJ $25,100). He is also joined by Stephanie Boyer, Chief Executive Officer of reStart, an organization that provides support to Kansas City's homeless population with a continuum of housing services. Stephanie discusses her background, homelessness in Kansas City, some of the major causes of homelessness, and how reStart is working to help end homelessness. As CEO of reStart, Stephanie shares their biggest challenge and identifies what she believes are three keys to ending homelessness. If you would like to make a donation to reStart check out their https://www.restartinc.org/ (website). Resources: https://www.nytimes.com/2021/12/10/your-money/tax-break-donations.html ($600 Tax Deduction for MFJ Standard Deduction), https://hillcrestkc.org/ (Hillcrest Transitional Housing), Kyle's Walk-up Song: https://youtu.be/rpsAYUBLVow?t=23 (Beers on Me by Dierks Bentley ft. Breland, and Hardy) reStart Inc. https://www.restartinc.org/ (Website), https://www.facebook.com/reStartKC (Facebook), https://twitter.com/reStartKCMO (Twitter), https://www.linkedin.com/company/restartkcmo/ (LinkedIn), Email, https://www.youtube.com/channel/UC0HG-PS-R4HwRTn9CTrncJA (YouTube) Podcast Guest: Stephanie Boyer, CEO - reStart Inc. https://www.restartinc.org/leadership.html (Website), https://www.linkedin.com/in/stephanie-boyer-516512174/ (LinkedIn), Email

Podcast Host: Kyle Hill, CFP® - Hill-Top Financial Planning, LLC https://www.hilltopfp.com/ (Website), Email, https://www.linkedin.com/in/kyle-hill-cfp-kc/ (LinkedIn), https://www.kansascityfinancialadvisorsnetwork.com/kyle-hill (KCFAN (Kansas City Financial Advisors Network)), https://www.xyplanningnetwork.com/advisors/kyle-hill-cfp/ (XY Planning Network (XYPN)), https://www.napfa.org/member/90226/26879 (NAPFA), https://www.feeonlynetwork.com/financial-advisor/kyle-hill/ (FEE-ONLY Network),  https://www.letsmakeaplan.org/find-a-cfp-professional/certified-professional-profile/af276a79-c030-4b71-9c83-df5d13547b12 (CFP Board)

*This podcast uses sounds from freesound: Dry Transition byhttps://freesound.org/people/Electroviolence/ ( Electroviolence) , Metal Door Slam Shut byhttps://freesound.org/people/ecfike/ ( ecfike), and Scream byhttps://freesound.org/people/ngrib/ ( ngrib)

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Ever wonder if you need a last will and testament (aka “a will”)? The answer is YES!  A will is an integral part of a well-rounded estate plan that every adult needs, not just the rich and famous.  "If you have kids under the age of 18, the guardianship in your will is 100% the most important part of your estate plan." - Jamie Weese of Weese Law Firm In episode 18, we’re talking about the estate planning necessities for young adults.  Kyle hops on the mic with estate planning attorneys, Jessica Kimbrell of Kimbrell Estate Planning and Jamie Weese of Weese Law Firm. They discuss what is:  a last will and testament a durable power of attorney  a healthcare power of attorney an advanced healthcare directive (or a living will)  trusts

and how all of these are a part of a well-rounded, and well-planned Estate Plan. Every young adult needs an estate plan, especially if you have minor children or special needs children (which we touch on in the podcast). “Advance Healthcare Directive and Living Will mean the same thing. How I describe this document is the ’Pull the Plug’ document” - Jessica Kimbrell of Kimbrell Estate Planning Before they dive into everything estate planning for young adults, they discuss their favorite movies surrounding estate planning, their favorite Halloween candy - which no surprise Kyle’s is money related - and their favorite estate planning cases… and Kyle doesn’t like where Jessica’s is going.  Don’t wait, check it out now so you’re prepared for when life happens. As Forrest Gump’s momma says, “Life is like a box of chocolates, you never know what you’re gonna get.” To skip the fluff, go to the 50:28 mark. However, it's not advised! Resources: https://www.imdb.com/title/tt1197624/ (Law Abiding Citizen) (2009) https://www.hilltopfp.com/podcast/episode/1c7715d6/episode-17-what-should-you-do-with-that-old-401k (PFFTHT Episode # 17 - "What should you do with that old 401k") https://www.imdb.com/title/tt3248698/?ref_=ttep_ep5 (Parks and Rec - Ron Swanson makes a Will) https://www.imdb.com/title/tt8946378/ (Knives Out) (2019) https://www.usnews.com/news/business/articles/2021-03-30/bends-last-blockbuster-even-more-popular-after-netflix-show (The Last Blockbuster) https://www.imdb.com/title/tt0110363/ (Little Big League) (1994) https://www.hilltopfp.com/podcast/episode/324b4759/episode-12-what-the-hell-is-a-certified-financial-plannertm (PFFTHT Episode # 12 - What the hell is a CERTIFIED FINANCIAL PLANNER™ (CFP®)?") https://www.gordonfischerlawfirm.com/howard-hughes-estate/ (Howard Hughes Estate Planning Debacle), https://www.amazon.com/Complete-Book-Wills-Estates-Trusts/dp/080506298X (The Complete Guide to Wills, Estates & Trusts) (Book) https://www.nobelprize.org/alfred-nobel/alfred-nobels-life-and-work/ (The Nobel Peace Prize started via a will)  https://en.wikipedia.org/wiki/Terri_Schiavo_case (Terri Schiavo case ) https://www.cdc.gov/training/ACP/page42985.html (Nancy Cruzan case) https://en.wikipedia.org/wiki/Malaysia_Airlines_Flight_370 (Malaysia Airlines Flight 370) (2014) Jessica's Walk-up song: https://www.youtube.com/watch?v=qG9ZWUitFik (Let me Clear My Throat) DJ Kool Jamie's Walk-up song: https://youtu.be/glEiPXAYE-U?t=55 (Hypnotize) Biggie Smalls Kyle's Walk-up songs: https://youtu.be/G_zuB-ogIBw?t=31 (Fancy Like) Walker Hayes and https://youtu.be/oKsxPW6i3pM?t=72 (The Middle) Jimmy Eat World   Special Guests: Jessica Kimbrell, Kimbrell Estate Planning https://kimbrellestateplanning.com/ (Website), 913-647-5350 Jessica@kimbrellestateplanning.com   

Jamie Weese, Weese Law Firm https://weeselawfirm.com/ (Website),  913-400-3447 Jamie@weeselawfirm.com, https://www.facebook.com/weeselawfirm/ (Facebook)   Podcast Host: 

Kyle Hill, CFP® - Hill-Top Financial Planning, LLC https://www.hilltopfp.com/ (Website), https://www.linkedin.com/in/kyle-hill-cfp-kc/ (LinkedIn),...

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Have an old 401k from a previous employer? Wondering what to do with it? In episode 17, we're discussing what your options are for your old 401k. Kyle hops on the mic with Financial Advisor, Ethan Hutcheson, AAMS® of Metcalf Partners Wealth Management and they discuss: What exactly is a 401k What are your options when you change employers The pros and cons of those options Unique situations to consider Their typical preferences for old 401k accounts

There are important things to consider like taxes and your income when deciding what to do with that old 401k (or 403b, or TSP). Before they dive into the topic, they discuss their favorite memories from K-State (pretty epic), good books you should check out, sports they wish they would have tried (apparently there are only two places in the U.S. where Kyle can try it out), and.... poop. Yep, we said it, poop. Don't flench because you don't want to miss this! To skip the fluff, go to the 30:30 mark. However, it's not advised!    Resources: https://money.usnews.com/financial-advisors/articles/advising-clients-on-using-a-backdoor-roth-ira (Backdoor Roth IRA and the Aggregation Rule), https://www.investopedia.com/roth-and-traditional-ira-contribution-limits-for-2021-5085118 (IRA & Roth IRA Limits 2021), https://wellnessforthewin.com (WellnessForTheWin), https://www.instagram.com/wellnessforthewin/?hl=en (WellnessForTheWin Instagram), https://www.amazon.com/Bitcoin-Standard-Decentralized-Alternative-Central/dp/1119473861 (The Bitcoin Standard) (book), https://www.amazon.com/Fortitude-American-Resilience-Era-Outrage/dp/B085LQ43LJ/ref=sr_1_1?crid=15STJH2T5PW7V&dchild=1&keywords=fortitude+dan+crenshaw&qid=1631682135&s=books&sprefix=fortut%2Cstripbooks%2C182&sr=1-1 (Fortitude: American Resilience in the Era of Outrage by Dan Crenshaw) (book), https://www.amazon.com/Apocalypse-Never-Environmental-Alarmism-Hurts/dp/B07YCSVVGR/ref=sr_1_1?crid=1944ILYXS6KH8&dchild=1&keywords=apocalypse+never&qid=1631682221&s=audible&sprefix=ap%2Caudible%2C389&sr=1-1 (Apocalypse Never: Why Environmental Alarmism Hurst Us All by Michael Shellenberger) (book), https://www.imdb.com/name/nm1242688/ (Josh Hutcherson), https://podcasts.apple.com/us/podcast/how-should-patrick-mahomes-invest-his-$503-million/id1523083101?i=1000489203094 (The Reformed Financial Advisor Podcast - "How Should Patrick Mahomes Invest His $503 Million Contract?"), https://en.wikipedia.org/wiki/Glenn_Gronkowski (Glenn Gronkowski), https://www.teamusa.org/USA-Bobsled-Skeleton-Federation/About-Us/Tracks-around-the-world (Where can you bobsled in the US?), https://www.hilltopfp.com/podcast/episode/e8730c6c/episode-10-what-the-hell-is-a-financial-planner (Episode #10 - "What the hell is a Financial Planner?"), https://www.thebalance.com/current-u-s-unemployment-rate-statistics-and-news-3305733 (Unemployment Rate & Statistics (Aug. 2021)), https://www.forbes.com/sites/forbeshumanresourcescouncil/2021/08/20/three-indisputable-truths-about-the-great-resignation/?sh=6c03c7f578c9 (The Great Resignation) (Forbes), https://www.northwesternmutual.com/life-and-money/your-401k-when-it-was-invented-and-why/ (When was the 401k invented?), https://www.cnbc.com/2017/01/04/a-brief-history-of-the-401k-which-changed-how-americans-retire.html (A Brief History of the 401k), https://www.fool.com/retirement/2017/06/19/does-the-average-american-have-a-401k.aspx (How many Americans have 401ks?) https://youtu.be/3mExcPmReUM?t=288 (Free Bird) - Lynyrd Skynyrd / https://youtu.be/hzFpiW5vHrc (Stranglehold) - Ted Nugent https://youtu.be/cd1HS2Yf7Yw?t=43 (I Love This Life) - LOCASH

Ethan Hutcheson, AAMS® Financial Advisor -  Metcalf Partners Wealth Management https://metcalfpartners.com/about-us/ (Website), Email,  https://www.linkedin.com/in/ethan-hutcheson-aams-b3540138/ (LinkedIn), https://www.facebook.com/EthanHutchesonAAMS...

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"Most people move because of two things: they need more square footage (more space), or they're at a new income level." - Tony Long of Long Real Estate Team Have questions about selling a house like... How far out should you start preparing to sell your house? To stage or not to stage? When should we put it on the market?

In episode 16, we're discussing what you need to know about selling a house, with Rockstar Realtor, Tony Long of Long Real Estate Team. Round 2 with Tony Long and Kyle to discuss what you need to know when you’re thinking about selling your house. Kyle lays it out into a 4 Part Process: The Pre-Sale: What you need to do to your house to get it ready to sell Deciding on Realtor or FSBO: Choosing wether you should get a realtor or try to sell it yourself (For Sale By Owner) On the Market: What do we do while the house is on the market, and selecting an offer Under Contract and Closing: Making sure the deal goes through

Tony shares the important things you need to do to get the house ready to go to market. He takes off his realtor hat and discusses the pros and cons of getting a realtor or trying to sell your house yourself. What about being a Sell-Buyer (Selling your house while trying to buy a house)? Tony talks about structuring the deal to eliminate the stress of having to quickly find a house to buy. Before they got started, they were shooting the breeze about the glory days in Manhattan, KS (the Little Apple), cereal, and of course.... wrestling. Who would win the Manhattan High Wrestling dual between Team 1998 vs. Team 2002? Kyle gets the expert, the head coach of both teams, to weigh in! You don't want to miss this! To skip the fluff, go to the 47:53 mark. However, it's not advised!    Resources: http://www.longforrealtor.com/ (Long for Realtor),  https://overlandparkcrossfit.com/ (Overland Park Crossfit),  https://www.kansaswrestling.org/photo_gallery/show/903218#27 (Coach Woodford),  https://www.kansaswrestling.org/photo_gallery/show/903218#28 (Coach Woodford Bio),  https://bigcedar.com/ (Big Cedar Lodge), https://www.nerdwallet.com/article/taxes/selling-home-capital-gains-tax (Do you owe capital gains on the sale of your home?) (NerdWallet), https://youtu.be/5jBkoEM0SSE (Electric Boogie (The Electric Slide)), https://youtu.be/GxBSyx85Kp8 (Yeah - Usher feat. Lil Jon, Ludacris), https://youtu.be/PFtHeo7oMSU (Llama Llama Red Pajama - Ludacris) https://www.kctv5.com/news/father-of-tiger-woods-buried-in-unmarked-kansas-grave/article_777bd830-78b9-11e9-a792-7b345d7a0d7a.html (Earl Woods buried in Manhattan, KS), https://themercury.com/sports/mhs-hires-shawn-bammes-as-head-wrestling-coach/article_2d2b178b-690a-571b-aeab-2bd776860f4a.html (Shawn Bammes Named MHS Wrestling Coach), https://www.kroger.com/p/nature-valley-baked-oat-bites-cereal/0001600042214 (Nature Valley Baked Oat Bites Cereal ) Tony Long, Principal Agent -  Long Real Estate Team http://soldbylong.com/ (Website), Email,  http://www.longforrealtor.com/ (Long for Realtor Campaign),  https://www.linkedin.com/in/tony-long-a609749/ (LinkedIn), https://www.facebook.com/soldbylong (Facebook), https://www.instagram.com/accounts/login/?next=/soldbylong/ (Instagram),  https://www.pinterest.com/tonylong/ (Pintrest) Kyle Hill, CFP®, Owner, Founder, Financial Planner - Hill-Top Financial Planning, LLC https://www.hilltopfp.com/ (Website), https://my.captivate.fm/kyle@hilltopfp.com (Email), https://www.linkedin.com/in/kyle-hill-cfp-kc/ (LinkedIn), https://www.kansascityfinancialadvisorsnetwork.com/kyle-hill (KCFAN (Kansas City Financial Advisors Network)), https://www.xyplanningnetwork.com/advisors/kyle-hill-cfp/ (XY Planning Network (XYPN)), https://www.napfa.org/member/90226/26879 (NAPFA), https://www.feeonlynetwork.com/financial-advisor/kyle-hill/ (FEE-ONLY Network), ...

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In episode 15, we're talking about the way most folks buy a house (at least Millennials)... with a Mortgage. I'm joined by Mortgage Bankers, Jen Gile and Taylor Nedrow. Jen and Taylor sit down with Kyle to discuss what you need to know about getting a mortgage. As you'll discover, not all mortgages are the same, or created equal. How much do you need down? How do you avoid PMI... what is PMI for that matter?!? Conventional, FHA, VA... we discuss all things mortgage, and the process for getting a mortgage to buy a house. Before they dive into mortgages, they talk volleyball and what makes for the perfect kill, more wrestling, and their shoes growing up. As always, they top things off with some Five-Teen Minutes of Fluff. This one is for the record books, our first explicit episode because Kyle said, "shit," and we don't want to get banned. :) Tune in! To skip the fluff, go to the (31:13) mark. However, it's not advised!  Resources: https://noahsbandageproject.com/ (Noah’s Bandage Project), https://www.youtube.com/watch?v=KokY8KAnkkI (Jen Gile, the KC Dancing Star), https://casbid.com/ticketing/ticketing.php?auction=bmafoundation&page=vote (Vote for Jen!), https://bmafoundation.org/events-tickets/dine-dance/ (The BMA Foundation Annual Dine and Dance with the Stars), https://www.imdb.com/title/tt0215129/ (Road Trip (the movie)),   Air Jordan 11, https://www.rocketmortgage.com/learn/home-buying-statistics#x2 (Millennials made up the largest share of home buyers at 38% in 2019) (statistics), https://www.nerdwallet.com/article/mortgages/types-of-mortgage-loans (Types of Mortgages),   https://www.nerdwallet.com/article/loans/personal-loans/calculate-debt-income-ratio (Debt to Income Ratio), https://www.nerdwallet.com/article/mortgages/closing-costs-mortgage-fees-explained#:~:text=Average%20closing%20costs%20for%20the,as%20a%20one%2Dtime%20expense. (Mortgage Closing Costs),   https://www.thegazette.com/iowa-hawkeyes/ncaa-wrestling-notes-iowas-spencer-lee-grows-legendary-status-with-latest-national-title/ (Spencer Lee) is tougher than https://www.cnn.com/2021/03/20/sport/lebron-james-ankle-injury/index.html#:~:text=Los%20Angeles%20Lakers%20forward%20LeBron,%2C%202021%2C%20in%20Los%20Angeles.&text=March%2021%2C%202021-,%22Nothing%20angers%20and%20saddens%20me%20more%20than%20not%20being%20available,soon%20like%20I%20never%20left.%22 (LeBron James), https://hawkeyesports.com/news/2004/06/08/hawkeye-career-leaders/ (Iowa Hawkeye Volleyball Record Books, and Kill Master Jen (Bell) Gile), https://storage.googleapis.com/hawkeyesports-com/2021/01/bdfc2b98-iowa-volleyball-record-book-2021.pdf (Iowa Hawkeye Volleyball #6 All-Time Kills Leader, Jen (Bell) Gile (Page 8)), https://www.foxnews.com/politics/dan-crenshaw-blind-about-month-eye-surgery (Rep. Dan Crenshaw Eye Surgery), and https://podcasts.apple.com/us/podcast/whats-happening-with-my-vision/id1498149200?i=1000519752121 (Update)   Jen's Walk-Up Song: https://youtu.be/0UIB9Y4OFPs (Def Leppard - Pour Some Sugar on Me ) Taylor's Walk-Up Song: https://youtu.be/91830q5nP24 (Anderson Silva Walk Out Music - Ain't No Sunshine (by DMX)) Kyle's Walk-Up Song: https://youtu.be/-JfEJq56IwI (Outkast - So Fresh, So Clean) or https://youtu.be/6JCLY0Rlx6Q (Walking on the Moon - Shut Up and Dance)

Jen Gile, Loan Officer (NMLS # 229511) - Fairway Independent Mortgage Corporation https://loanswithjen.com/ (Website), Email, Phone: 913-660-8371, https://www.linkedin.com/in/jennifer-gile-7810118/ (LinkedIn)

Taylor Nedrow, Sr. Mortgage Banker (NMLS # 584283) - Flat Branch Home Loans https://www.flatbranchhomeloans.com/team/taylor-nedrow (Website), Email, Phone: 913-579-5938 https://www.linkedin.com/in/taylornedrow/ (LinkedIn)

Kyle Hill, CFP® - Hill-Top Financial Planning, LLC https://www.hilltopfp.com/ (Website), Email, https://www.linkedin.com/in/kyle-hill-cfp-kc/ (LinkedIn),...

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“Never buy a house to just buy a house.” - Tony Long of Long Real Estate Team In episode 14, we're talking about the American Dream… Buying a House, with Rockstar Realtor, Tony Long of Long Real Estate Team. Tony Long sits down with Kyle to discuss what you need to know when you’re thinking about buying a house. He gives you a peek behind the curtain to share the things to look for and the questions to ask your perspective realtor. Tony also discusses the State of the Market, and how we got here. Before they got started, they had to do some catching up talking about babies, crossfit, and wrestling… and not that fake crap! Actually they did talk abou that too. Who were their favorite WWF wrestlers, and what are these guys walking out to? This is the longest show yet, but they’re hangin’ tough.  Tune in! “It is a very bad idea (to waive inspections).” Tony Long of Long Real Estate Team

To skip the fluff, go to the 51:25 mark. However, it's not advised! 

Benefits of owning a Home: Build up Equity Hedge against Inflation Tax Free Gain

Recommendations prior to buying a home: Have a fully funded emergency fund Down payment of minimum 10% (don’t include emergency fund) Consumer debt paid off

First Steps to buying a house (either order): Get preapproved for a mortgage Meet with a realtor to know the process

Contract on a House Contingent on: https://www.investopedia.com/terms/h/home-inspection.asp (Inspections) https://www.investopedia.com/terms/a/appraisal.asp (Appraisal) Financing

After the Inspection buyer can: Accept as is Renegotiate the contract Cancel the Contract

Top Costly Things to be Aware of When Looking at a House to Buy: Taxes  Insurance Foundation Drainage - Probably the number one thing that gets overlooked Windows Roof  HVAC Location

How to find a realtor: Interview multiple realtors - you’re going to be spending a lot of time with them Ask friends that have bought recently - who did they use and what questions should they have asked? Look at their website Look at their social media Ask Family and Friends

Resources: http://www.longforrealtor.com (Long for Realtor),  https://overlandparkcrossfit.com/ (Overland Park Crossfit),  https://www.kansaswrestling.org/photo_gallery/show/903218#27 (Coach Woodford),  https://www.kansaswrestling.org/photo_gallery/show/903218#28 (Coach Woodford Bio),  https://en.wikipedia.org/wiki/Christina_Aguilera_(album) (Christina Aguilera,  ) https://en.wikipedia.org/wiki/...Baby_One_More_Time_(album) (Britney Spears “...Baby One More Time” (Album)),  https://en.wikipedia.org/wiki/Reputation_(Taylor_Swift_album) (Taylor Swift “Reputation” (Album)),  https://www.bhg.com/home-improvement/exteriors/curb-appeal/colonial-style-home-ideas/?slide=slide_08326650-22b8-421a-8710-f5359f550b75#slide_08326650-22b8-421a-8710-f5359f550b75 (Colonial House Style (Five, Four and a Door)),   https://www.housebeautiful.com/design-inspiration/a24516732/what-is-a-cape-cod-style-house/ (Cape Cod Style),   Greek Revival,  https://www.homestratosphere.com/plantation-home-designs/ (Plantation Home Style),   https://hulkhogan.com/ (Hulk Hogan) (https://www.youtube.com/watch?v=fKJDAVvs_JA (Entrance Song)) https://en.wikipedia.org/wiki/Stone_Cold_Steve_Austin (Stone Cold Steve Austin) (https://www.youtube.com/watch?v=MrJLsNo9sCU (Entrance Song)) https://en.wikipedia.org/wiki/Shawn_Michaels (Shawn Michaels “The Heartbreak Kid”) (https://www.youtube.com/watch?v=j4ErmBDTOJo (Entrance Song)) https://en.wikipedia.org/wiki/The_Ultimate_Warrior (The Ultimate Warrior) (https://www.youtube.com/watch?v=36OHZ51o2qo (Entrance Song)) Beyond the Ring (Let me know if you can find it) Tony’s Walk Up Songs: https://youtu.be/qFfnlYbFEiE (Jimi Hendrix - “Voodoo Child”) & https://youtu.be/By86PcLufOU (New Kids on The Block - “Hangin’ Tough”)...

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“Fee Only means I only get paid a fee from my clients. I don’t get paid fees from products, from brokerage firms, from banks, from insurance companies… I only get paid by the client and that is the person I’m responsible to.” - Brent Hoskins, CFP®, CKA® of Focal Point Financial Group  “One of the questions you need to ask advisors you’re interviewing is, ‘how do you get paid?’” - Donovan Brooks, CFP®, CKA® of Storyline Financial In episode 13, we're talking about what the hell is Fee Only? Brent Hoskins, CFP®, CKA® of Focal Point Financial Group and Donovan Brooks, CFP®, CKA® of Storyline Financial, sit down with Kyle to discuss what it means when an advisor says they’re a “Fee Only advisor”. Do you know how your advisor gets paid? They break down the two basic ways advisors are compensated by their clients, which leads to the three different types of compensation structures (Commission, Fee Based, & Fee Only), which leads further into the various Fee Only models (AUM, Flat Fee, Hourly, and more).  Tune in! "Do you want to pay for products that you can get for free, or do you want to pay for the advice?" Kyle Hill, CFP®   Resources: https://www.imdb.com/title/tt0113755/ (Man of the House (1995)), https://untappd.com/b/rochester-brewing-and-roasting-company-stone-fruit-pale-ale/4054717 (Rochester Brewing and Roasting Co.: Stone Fruit Pale Ale), https://www.riverbluffbrew.com/ (River Bluff Brewing), https://theroasterie.com/product/full-vengeance/ (Roasterie: Full Vengeance), https://www.ahajournals.org/doi/10.1161/CIRCHEARTFAILURE.119.006799 (Drink your coffee), https://theroasterie.com/product/bettys-recipe (Roasterie: Betty’s Recipe), https://www.youtube.com/watch?v=11hBvTO4jUo (Parenthood - Forever Young), https://www.napfa.org/financial-planning/what-is-fee-only-advising (What is Fee-Only Financial Planning by NAPFA), https://www.xyplanningnetwork.com/ (XY Planning Network), https://www.napfa.org/ (NAPFA), Donovan Walk-up song: https://www.youtube.com/watch?v=xPKxSjiyNJI (Lecrae - Over the Top) /https://www.youtube.com/watch?v=N2mqbhpSfdg (Andy Mineo), Brent Walk-up song: https://www.youtube.com/watch?v=oNjQXmoxiQ8 (Alphaville - Forever Young ) Kyle Walk-up song: https://www.youtube.com/watch?v=XhzpxjuwZy0 (Jump Around by House of Pain)

Brent Hoskins, CFP®, AWMA®, CRPS®, RICP®, CKA® - Focal Point Financial Group https://focalpointfinancialgroup.com/ (Website), Email, https://www.linkedin.com/in/brent-hoskins/ (LinkedIn), https://www.xyplanningnetwork.com/advisors/brent-hoskins-cfp-ricp/ (XY Planning Network (XYPN)), https://www.napfa.org/member/97463/29652 (NAPFA), https://www.feeonlynetwork.com/financial-advisor/brent-hoskins/ (FEE-ONLY Network),  https://kingdomadvisors.com/find-a-professional/advisors/19712/66208 (Kingdom Advisors), https://www.letsmakeaplan.org/find-a-cfp-professional/certified-professional-profile/8954116b-5c09-4043-8fa9-4744de92d06f (CFP Board)

Donovan Brooks, CFP®, CKA® - Storyline Financial https://www.storylinefp.com/ (Website), Email, https://www.linkedin.com/in/donovanjbrooks/ (LinkedIn), https://www.kansascityfinancialadvisorsnetwork.com/donovan-brooks (KCFAN (Kansas City Financial Advisors Network)), https://www.xyplanningnetwork.com/advisors/donovan-brooks-cfp/ (XY Planning Network (XYPN)), https://www.napfa.org/member/34021/23994 (NAPFA), https://www.feeonlynetwork.com/financial-advisor/donovan-brooks/ (FEE-ONLY Network),  https://kingdomadvisors.com/find-a-professional/advisors/1010823/64501 (Kingdom Advisors), https://www.letsmakeaplan.org/find-a-cfp-professional/certified-professional-profile/d31c7765-26bb-477c-a714-8f60d97ac8e2 (CFP Board)

Kyle Hill, CFP® - Hill-Top Financial Planning, LLC https://www.hilltopfp.com/ (Website), Email, https://www.linkedin.com/in/kyle-hill-cfp-kc/ (LinkedIn), https://www.kansascityfinancialadvisorsnetwork.com/kyle-hill (KCFAN (Kansas City Financial

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In episode 12, we're talking about what the hell is a CERTIFIED FINANCIAL PLANNER™? David Tuzzolino, CFA, CFP® of PathBridge and Tyler Landes, CFP®, AIF® of Tandem Financial Guidance, sit down with Kyle to discuss what it means to be a CERTIFIED FINANCIAL PLANNER™ professional. It can get confusing when an advisor says they're a financial advisor and a CERTIFIED FINANCIAL PLANNER™. It leaves you wondering, "which one are you?" The guys break it down to make some sense of it. Tune in! As always, even though it's not recommended, to skip the fluff, go to the 17:15 marker. Resources: David's beverage of choice: https://untappd.com/b/penn-brewery-chocolate-meltdown/52586 (Chocolate Meltdown by Penn Brewery), Kyle's beverage of choice: https://untappd.com/b/rochester-brewing-and-roasting-company-orange-creamsicle-ipa/3741670/photos (Orange Creamsicle IPA), https://rochesterkc.com/ (Rocdhester Brewing and Roasting Co.), https://www.updownarcadebar.com/kansas-city/ (Up/Down Arcade Bar), https://youtu.be/olbwkLUrsLY (Groundhog Dropped by de Blasio Dies), https://www.livescience.com/32974-punxsutawney-phil-weather-prediction-accuracy.html#:~:text=%22If%20Punxsutawney%20Phil%20is%20right,going%20by%20the%20groundhog's%20predictions.%22 (Punxsutawney Phil’s Record), https://bleacherreport.com/articles/2929401-ea-sports-announces-college-football-video-game-will-return (NCAA Football (Video Game) is RETURNING!), https://en.wikipedia.org/wiki/Ed_O%27Bannon#NBA_career (Ed O’Bannon), https://en.wikipedia.org/wiki/O%27Bannon_v._NCAA (Ed O’Bannon Case vs. NCAA), https://www.azcentral.com/story/sports/college/asu/2019/10/31/former-asu-football-qb-first-domino-ncaa-likeness-reform/4101980002/ (Sam Keller the first domino), Kyle's Walk-Up Song: https://youtu.be/pksszku7l0g (Chicago Bulls Theme Song - The Alan Parsons Project), David's Walk-Up Song: https://youtu.be/o1tj2zJ2Wvg (Welcome to the Jungle by Guns N’ Roses),   Tyler's Walk-Up Song: https://youtu.be/MrwQUgr-9Ng (In Summer by Olaf), Bonus: https://youtu.be/gIOyB9ZXn8s (Into the Unknown by Elsa (Idina Menzel)), https://www.hilltopfp.com/podcast/episode/e8730c6c/episode-10-what-the-hell-is-a-financial-planner (Episode # 10 - What the hell is a Financial Planner?  (with Tyler Landes, CFP®, AIF®; Andy Flattery, CFP®; and Mike Zung, CFP®),   https://www.cfp.net/about-cfp-board (The CFP Board), https://www.cfp.net/about-cfp-board/history (CFP Board History), https://www.letsmakeaplan.org/how-to-choose-a-planner/why-choose-a-cfp-professional (Why a CERTIFIED FINANCIAL PLANNER™ Professional?), The 4 E’s to becoming a CFP® Professional: Education Experience Exam Ethics

https://www.cfp.net/get-certified/certification-process/education-requirement (Education Requirement for CFP® Certification), https://www.cfp.net/get-certified/certification-process/experience-requirement (Experience Requirement for CFP® Certification), https://www.cfp.net/get-certified/certification-process/exam-requirement (CFP® Exam), https://www.letsmakeaplan.org/ (Let’s Make A Plan (Find a CFP®)), https://www.hhs.k-state.edu/pfp/ (Kansas State University Department of Personal Financial Planning (College of Health and Human Sciences)), https://www.hilltopfp.com/podcast/episode/2815d974/episode-6-diving-a-layer-deeper-into-investments (Episode # 6 - Diving a Layer Deeper into Investments (with David Tuzzolino, CFA, CFP®), https://www.cfp.net/get-certified/certification-process/exam-requirement/about-the-cfp-exam#:~:text=In%202019%2C%20the%20overall%20pass,professionals%20to%20develop%20the%20exam. (CFP Exam Pass Rate as of 2019 was 62% (and 66% for first-time takers)), https://www.kansascityfinancialadvisorsnetwork.com/donovan-brooks (Donovan Brooks, CFP®, CKA®), https://www.kenzahn.com/ (Zahn Associates CFP Exam Review Course),...

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“A financial plan is more of helping someone understand what their true priorities are in life.” - Brandy Branstetter, CFP® of Beyond WealthCFP® of Beyond Wealth “A financial plan in its simplest terms is a glorified to-do checklist of things that we need to put in place in order for our clients to accomplish those goals.” - Clint Haynes, CFP® of NextGen Wealth

In episode 11, we're talking about what the hell is a financial plan?

Brandy Branstetter, CFP® of Beyond Wealth and Clint Haynes, CFP® of NextGen Wealth, sit down (or in Clint’s case, stand up) with Kyle to discuss what it means when they say, “I create financial plans for my clients.” When your advisor produces a financial plan for you, what does that include? How is a financial plan different from a budget? We answer all that and more. Tune in! "A financial plan is like a financial roadmap." Kyle Hill, CFP®   Resources: https://www.investopedia.com/terms/f/financial_plan.asp (What is a Financial Plan) (Investopedia), http://www.bksartisanales.com/ (BKS Artisan Ales), https://untappd.com/b/logboat-brewing-company-neon-blonde/3793821 (Longboat Brewing Co. Neon Ale), https://middlefingertocancer.org/ (Middle Finger 2 Cancer), https://behaviorgap.com/ (Carl Richards - Behavior Gap), https://www.kitces.com/ (Michael Kitces - Nerd’s Eye View), https://www.amazon.com/One-Page-Financial-Plan-Simple-Smart/dp/1591847559 (The One Page Financial Plan) by Carl Richards, Kyle: https://youtu.be/pksszku7l0g (All The Pretty Girls - Kenny Chesney) Clint: https://youtu.be/S-LO6dctBms (Eye of the Tiger - Survivor)

Brandy Branstetter, CFP® - Beyond Wealth https://www.beyond-wealth.com/ (Website), Email, https://www.linkedin.com/in/brandybranstetter/ (LinkedIn), https://www.facebook.com/beyondwealth1/ (Facebook), https://www.instagram.com/beyondwealthkc (Instagram), https://www.kansascityfinancialadvisorsnetwork.com/brandy-branstetter (KCFAN (Kansas City Financial Advisors Network)), https://www.xyplanningnetwork.com/advisors/brandy-branstetter-cfp/ (XY Planning Network (XYPN)), https://www.letsmakeaplan.org/find-a-cfp-professional/certified-professional-profile/6b26d87f-fba6-418f-a6b3-ffe8b3d218f1 (CFP Board)

Clint Haynes, CFP® - NextGen Wealth https://www.nextgen-wealth.com/ (Website), Email, https://www.linkedin.com/company/nextgen-wealth (LinkedIn), https://www.facebook.com/NextGenWealth/ (Facebook), https://twitter.com/Clint_NextGen (Twitter), https://www.youtube.com/channel/UCwDeljvW7US81i6BybtZDFA (YouTube), https://www.kansascityfinancialadvisorsnetwork.com/clint-haynes (KCFAN (Kansas City Financial Advisors Network)), https://www.letsmakeaplan.org/find-a-cfp-professional/certified-professional-profile/9dcc848e-4e6f-4b61-ac86-a95fd28a6edc (CFP Board)

Kyle Hill, CFP® - Hill-Top Financial Planning, LLC https://www.hilltopfp.com/ (Website), Email, https://www.linkedin.com/in/kyle-hill-cfp-kc/ (LinkedIn), https://www.kansascityfinancialadvisorsnetwork.com/kyle-hill (KCFAN (Kansas City Financial Advisors Network)), https://www.xyplanningnetwork.com/advisors/kyle-hill-cfp/ (XY Planning Network (XYPN)), https://www.napfa.org/member/90226/26879 (NAPFA), https://www.feeonlynetwork.com/financial-advisor/kyle-hill/ (FEE-ONLY Network),  https://www.letsmakeaplan.org/find-a-cfp-professional/certified-professional-profile/af276a79-c030-4b71-9c83-df5d13547b12 (CFP Board)

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What the hell is a Financial Planner? In episode 10, Kyle sits down with three CERTIFIED FINANCIAL PLANNERS™ to discuss just what it means when someone calls themself a "Financial Planner". Andy Flattery, CFP® from Simple Wealth Planning, Mike Zung, CFP® from Java Wealth Planning, and Tyler Landes, CFP®, AIF® of Tandem Financial Guidance sit down with host of the podcast, Kyle Hill, CFP® of Hill-Top Financial Planning to discuss what exactly it means to call yourself a financial planner, or a financial advisor, or any of the other creative names out there to describe an individual that is giving investment advice for a living. They discuss ways to identify who individuals truly are, and suggest things you should do and ask when looking to hire a financial advisor or planner. Top Recommendations and Questions you should ask your financial advisor or financial planner, according to our host and guests: Are you a broker or are you an advisor or both, and what are you when you’re working with me? Are you a fiduciary? If yes, when? The whole time or only when you are providing me advice? How do you get paid? What services do you provide for your fees? What types of investments do you use? Do you use Proprietary Products? Find the right fit for you.

Tune in! Resources: https://www.kansascityfinancialadvisorsnetwork.com/ (Kansas City Financial Advisors Network (KCFAN)), https://brokercheck.finra.org/ (BrokerCheck (FINRA)), https://adviserinfo.sec.gov/ (Investment Advisor Public Disclosure (SEC)), https://www.fpakc.org/FPA-Board-of-Directors (The Man, the Myth, the Legend: Tyler Landes, CFP®, AIF® - Board of Directors President of Financial Planning Association of Greater Kansas City), https://untappd.com/b/martin-city-brewing-company-show-time/3956920 (Martin City Brewery Show Time), https://vinepair.com/articles/negra-modelo-beer-especial-guide/ (Modelo), https://untappd.com/b/mother-s-brewing-company-the-great-cobra-scare-of-53/2221602 (Mother's Brewing Co. The Great Cobra Scare of ‘53), https://untappd.com/b/boulevard-brewing-co-berry-noir/3506588 (Boulevard Berry Noir), https://untappd.com/b/coors-brewing-company-coors-light/3834 (Coors Light), What is a Registered Investment Advisor (RIA)? , https://www.investopedia.com/articles/active-trading/100915/rias-and-independent-brokerdealers-comparison.asp (Investment Broker (Registered Representative) vs. Investment Advisor (Investment Advisor Representative) video), https://en.wikipedia.org/wiki/Michael_Kitces (Who is Michael Kitces? ), https://www.bobveres.com/ (Who is Bob Veras?), https://media.giphy.com/media/b7MdMkkFCyCWI/giphy.gif (Office Space gif), https://www.hollywoodreporter.com/news/moneyball-jonah-hill-brad-pitt-274691 (Money Ball - Peter Brand played by Jonah Hill (No relation to Kyle Hill, CFP®)), https://www.letsmakeaplan.org/how-to-choose-a-planner/10-questions-to-ask-your-financial-advisor (CFP Board “10 Questions to Ask Your Financial Advisor”), Andy Flattery, CFP® - Simple Wealth Planning, LLC https://simplewealthkc.com/ (Website), https://simplewealthkc.com/reformed-financial-advisor-podcast/#:~:text=Song%22%20is%20Andy's-,The%20Reformed%20Financial%20Advisor%20is%20the%20project%20of%20Andy%20Flattery,the%20bad%2C%20and%20the%20complex. (Podcast), https://www.linkedin.com/in/andyflattery/ (LinkedIn), https://www.facebook.com/andrewmflattery/ (Facebook), https://twitter.com/andyflattery?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor (Twitter), https://www.kansascityfinancialadvisorsnetwork.com/andy-flattery (KCFAN (Kansas City Financial Advisors Network)) https://catholicfinancialplanners.com/andy/ (Catholic Financial Planners Network), https://www.letsmakeaplan.org/find-a-cfp-professional/certified-professional-profile/d35adb53-5e7d-4cc1-b22b-97790acd10f5 (CFP Board)

Mike Zung, CFP® - Java Wealth Planning:  https://www.javawealth.com/ (Website),...

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Merry Christmas! Christmas came early. Show notes are Coming soon!

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“Whether people realize it or not (buying direct to consumer), they’re acting as their own insurance agent.” - Ryan Gerstner of Prime Insurance Agency In episode 8, we're talking about the things you need to know when reviewing or shopping for auto insurance. Ryan Gerstner from Prime Insurance Agency, and Kyle discuss why we need auto insurance in the first place. They also help you understand what liability limits are and what liability limits you should carry. Being a growing trend in auto insurance, Telematics gets discussed too. Lastly, they wrap up with Kyle's two recent car accidents he was in (not at fault by the way)! What did he do right? What did he do wrong? Find out by listening! Per the usual, they kick it off with some fluff about KU of all things.... not sure how that happened. If you want to know what they want for Christmas, here's your chance. Is Die Hard a Christmas movie? Maybe you have the answer. You’re going to get jacked with Ryan's walk up song… and you'll probably want to throw some aviators on for Kyle’s. Tune in! "I look at independent insurance agents a lot like independent financial advisors." Kyle Hill, CFP®   Skip the Fluff go to: 48:08 Resources: https://www.govtech.com/question-of-the-day/Question-of-the-Day-for-02172015.html (Left Handed Presidents), https://www.playstation.com/en-us/ps5/ (Playstation 5 (looks AWESOME!)), https://www.bowflex.com/selecttech/552/100131.html?cgidmaster=selecttech-compare (Bowflex SelectTech Dumbbells), https://www.imdb.com/title/tt0319343/?ref_=fn_al_tt_1 (Elf), https://www.espn.com/fantasy/football/story/_/page/TMRlovehate181213/fantasy-football-love-hate-why-die-hard-christmas-movie-week-15 (Matthew Berry Love/Hate and Why Die Hard is a Christmas Movie), https://www.imdb.com/title/tt0116705/?ref_=fn_al_tt_1 (Jingle All the Way), https://youtu.be/49sqh1Y9Ptc (Christmas Trap Music), https://www.moneyunder30.com/auto-insurance-liability-limits (Liability Coverage Explained), https://www.allstate.com/tr/car-insurance/telematics-device.aspx#:~:text=Telematics%20 (Telematics Devices), https://www.compare.com/auto-insurance/coverage/who-what-and-why-of-telematics (Telematics: Who, What & Why?), https://www.telematics.com/telematics-insurance/ (More on Telematics), https://www.daveramsey.com/elp (Dave Ramsey ELPs), Ryan’s Walk-up Song: https://youtu.be/tMlKmELIhgY (Saliva - Ladies and Gentlemen) Kyle’s Walk-up Song: https://youtu.be/siwpn14IE7E (Kenny Loggins - Danger Zone)   Ryan Gerstner - Prime Insurance Agency https://www.primeinsurancekc.com/ (Website), https://www.linkedin.com/in/rgerstner/ (LinkedIn), https://www.facebook.com/primeinsurancekc/ (Facebook), https://twitter.com/primeinskc?lang=en (Twitter), https://www.instagram.com/primeinsurancekc/ (Instagram), https://www.primeinsurancekc.com/dave-ramsey/ (Dave Ramsey ELP)   Kyle Hill, CFP® - Hill-Top Financial Planning, LLC https://www.hilltopfp.com/ (Website), https://www.linkedin.com/in/kyle-hill-cfp-kc/ (LinkedIn), https://www.xyplanningnetwork.com/advisors/kyle-hill-cfp/ (XY Planning Network (XYPN)), https://www.napfa.org/member/90226/26879 (NAPFA), https://www.feeonlynetwork.com/financial-advisor/kyle-hill/ (FEE-ONLY Network),  https://www.letsmakeaplan.org/find-a-cfp-professional/certified-professional-profile/af276a79-c030-4b71-9c83-df5d13547b12 (CFP Board)   *This podcast uses sounds from freesound: Dry Transition byhttps://freesound.org/people/Electroviolence/ ( Electroviolence) , Metal Door Slam Shut byhttps://freesound.org/people/ecfike/ ( ecfike), and Scream byhttps://freesound.org/people/ngrib/ ( ngrib)

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“Once you buy, you’ve gotta be ready for the ups and downs, and set your expectations.” - Betty Wang, CFP® of BW Financial Planning In episode 7, we're talking about how to get your money invested. In our previous episodes we broke down the different types of investments and how they’re different… But now, how do you turn your money into an investment? Betty Wang, CFP® from BW Financial Planning, and Kyle discuss how to get your money invested in 3 easy steps. First you have to decide if you’re going to do-it-yourself, go with a robo advisor, or hire a financial advisor. We discuss things to consider when weighing those options.  Per the usual, they kick it off with some fluff about Star Wars, Kyle’s clogs, and classic 80s tv shows. You’re going to love Betty’s walk up song… and you probably won’t know Kyle’s. Tune in! "You have to ask yourself, what are you comfortable with (when it comes to investing)?" Kyle Hill, CFP®   Skip the Fluff go to: 35:08 Resources: https://podcasts.apple.com/us/podcast/the-megyn-kelly-show/id1532976305 (The Megyn Kelly Show),  https://www.youtube.com/watch?v=DwEPKTn4ies (Karl’s Room (Febreze)),  https://www.youtube.com/watch?v=2jQvAtmosdQ (Nose Blind (Febreze)), https://www.imdb.com/title/tt0094582/ (The Wonder Years), https://www.imdb.com/title/tt0078610/?ref_=nv_sr_srsg_0 (The Facts of Life),  https://www.imdb.com/title/tt0084967/?ref_=nv_sr_srsg_3 (The A-Team),  https://www.imdb.com/title/tt0088470/?ref_=fn_al_tt_1 (227),  https://www.imdb.com/title/tt0066626/?ref_=vp_back (All in the Family),  https://www.dodgeandcox.com/ (Dodge & Cox),  https://www.imdb.com/name/nm0625099/bio?ref_=nm_ov_bio_sm (Nelly bio),  https://www.imdb.com/name/nm0524839/ (Ludacris bio),  https://www.investopedia.com/best-robo-advisors-4693125 (Robo Advisors),  https://www.nerdwallet.com/best/investing/online-brokers-for-beginners (Online Brokers), https://www.investopedia.com/ask/answers/08/difference-between-risk-tolerance-and-risk-capacity.asp (Risk Tolerance vs. Risk Capacity),  https://www.imdb.com/name/nm0000625/?ref_=tt_cl_t1 (Fred Savage (Kevin Arnold from The Wonder Years)),  https://www.imdb.com/name/nm0767606/?ref_=tt_cl_t5 (Josh Saviano (Paul Pfeiffer from The Wonder Years)),  https://www.ellevest.com/ (Ellevest), https://gfycat.com/sameunripecanadagoose (But Not Yet (Gladiator)),   https://www.marcus.com/us/en3?adobe_mc_sdid=SDID%3D63C75D83BBFAF886-5E5E632E3445A185%7CMCORGID%3D51857BAF56FBC1EC7F000101%40AdobeOrg%7CTS%3D1605760265&adobe_mc_ref=https%3A%2F%2Fwww.marcus.com%2Fus%2Fen%2Fsavings (Marcus by Goldman Sachs),  https://www.kshb.com/news/local-news/t-mobile-center-transformation-continues-with-new-signage (T-Mobile Center new signage goes up),  https://www.dodgeandcox.com/stockfund.asp (DODGX (Dodge & Cox Stock Fund)),  Betty’s Walk-up Song: https://www.youtube.com/watch?v=HNGaa5Opfmc (Nelly - Batter Up) or https://www.youtube.com/watch?v=E3V-krn1zTY (Ludacris - I’m on Fire) Kyle’s Walk-up Song: https://www.youtube.com/watch?v=ULfmowbNlK0 (Airwolf Theme Song) https://www.hilltopfp.com/podcast/episode/3a5604f3/episode-5-how-to-get-started-investing (Personal Finance from the Hill-Top podcast Episode #5 with Rockie Zeigler III, CFP®),   https://www.hilltopfp.com/podcast/episode/2815d974/episode-6-diving-a-layer-deeper-into-investments (Personal Finance from the Hill-Top podcast Episode #6 with David Tuzzolino, CFA, CFP®)   Betty Wang, CFP® - BW Financial Planning https://www.bwfinancialplanning.com/ (Website), https://www.bwfinancialplanning.com/blog (Blog,)  https://www.linkedin.com/in/betty-wang-cfp%C2%AE-986a30108/ (LinkedIn), https://www.facebook.com/bettyfinancial/ (Facebook), https://www.xyplanningnetwork.com/advisors/betty-wang-cfp/ (XY Planning Network (XYPN)), https://www.napfa.org/member/88989/25780 (NAPFA), ...

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“You want all of your investments to be a part of your diversified portfolio.” - David Tuzzolino, CFA, CFP® of PathBridge Financial, LLC In episode 6, we're taking a deeper dive into understanding investments. People talk like all investments are created equal, but that’s certainly not the case. In this episode, we dive a little deeper to help you better understand how investments are not all the same.  David Tuzzolino, CFA, CFP® from PathBridge Financial, and Kyle discuss four types of investments: Stocks, Bonds, Mutual Funds, and ETFs. They discuss similarities, and differences between investments to cut through the confusion. A key component of the conversation is “diversification”, and they break down what that means in the investment world and why we do it. They close out the episode by discussing the pros and cons of Target Date Funds. To kick it off, they talk about Gettysburg, ghosts, Remember the Titans, David’s bucket list trip and why outer space and scuba diving freak Kyle out. They also discuss their best ever investment picks. Tune in! "It’s (Target Date Funds) meant for the average employee, but no one is average. Every person’s situation is unique to them. It’s a one size fits all (approach)." Kyle Hill, CFP® Not advised, but to skip the Fluff, go to the 42:12 mark Resources: https://www.investopedia.com/terms/s/stock.asp (Stocks),  https://www.investopedia.com/terms/m/marketcapitalization.asp#:~:text=Market%20capitalization%20refers%20to%20the,market%20price%20of%20one%20share. (Market Capitalization (Market Cap)),  https://www.investopedia.com/terms/p/price-earningsratio.asp (Price to Earnings Ratio (P/E Ratio)),  https://www.investopedia.com/terms/p/price-to-bookratio.asp (Price to Book Ratio (P/B Ratio)),  https://www.marketwatch.com/story/target-date-funds-are-hazardous-to-your-wealth-experts-say-2019-02-20 (Target Date Funds (MarketWatch)),  https://www.ft.com/content/3d85ebd4-65bb-4bcf-b687-4acabfa41420?segmentId=6a011fbf-589d-bc42-ad70-2c406dd64285 (Target Date Funds (Financial Times)),  https://www.investopedia.com/terms/b/bond.asp (Bonds),  https://www.investopedia.com/ask/answers/09/bond-rating.asp (Bond Ratings),  https://www.investopedia.com/terms/m/mutualfund.asp (Mutual Funds),  https://www.investopedia.com/terms/e/etf.asp (ETFs (Exchange Traded Funds)),  https://www.investopedia.com/ask/answers/032715/when-expense-ratio-considered-high-and-when-it-considered-low.asp#:~:text=The%20average%20expense%20ratio%20for,typical%20ratio%20is%20about%200.2%25. (Fund Expense Ratios),  https://novelinvestor.com/asset-class-returns/ (Asset Class Returns (Reason for Diversification)),  https://www.google.com/search?q=pure+risk+vs.+voltility&oq=pure+risk+vs.+voltility&aqs=chrome..69i57j33i10i160.13994j0j7&sourceid=chrome&ie=UTF-8 (Risk vs. Volatility),  https://www.cfainstitute.org/en (CFA Institute (Chartered Financial Analyst®)) https://www.imdb.com/title/tt0210945/ (Remember the Titans (movie)),  https://en.wikipedia.org/wiki/Herman_Boone (Coach Herman Boone),  David’s Walk-up Song: https://www.youtube.com/watch?v=Bayek5lLZWY (AC/DC - Shake Your Foundations),  Kyle’s Walk-up Song: https://www.youtube.com/watch?v=0Japc8M8RQw (Lee Greenwald - God Bless the USA),  https://www.hilltopfp.com/podcast/episode/3a5604f3/episode-5-how-to-get-started-investing (Personal Finance from the Hill-Top podcast Episode #5 with Rockie Zeigler III - How to get Started Investing),    David Tuzzolino, CFA, CFP® - PathBridge Financial, LLC https://pathbridgefinancial.com/ (Website), https://pathbridgefinancial.com/articles/ (Blog,)  https://www.linkedin.com/in/davidtuzzolino/ (LinkedIn), https://www.facebook.com/ (Facebook), https://twitter.com/PathBridge_Finl (Twitter), https://www.xyplanningnetwork.com/advisors/david-tuzzolino-cfa-cfp/ (XY Planning Network (XYPN)),...

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“It’s kinda like why, how and what. Why are you investing? How are you going to invest? Then, what are you going to invest in? It’s a three step process.” - Rockie Zeigler III, CFP®, of RP Zeigler Investment Services, Inc. In episode 5, we're talking about how to get started investing. From the time you’re in high school, everyone tells you to start saving early and often, but they never tell you how.   Rockie Zeigler III, CFP® from RP Zeigler Investment Services, and Kyle discuss reasons why most people invest, different options for investing, and four typical investments that you can invest in. To kick it off, we talk about our favorite scary movies, our best advice for investing, and Kyle’s favorite college drinking game. Tune in! "Don’t invest in anything you don’t understand." Kyle Hill, CFP® Resources: https://www.youtube.com/watch?v=zQ3oXkDPKbM (Mike Gundy - I’m 40 Rant), https://www.imdb.com/title/tt0119081/ (Event Horizon), https://www.imdb.com/title/tt0286106/?ref_=fn_al_tt_1 (Signs), https://www.imdb.com/title/tt1220198/?ref_=fn_al_tt_1 (The 4th Kind), https://www.imdb.com/title/tt0106912/?ref_=fn_al_tt_1 (Fire in the Sky), https://halloweenmovie.fandom.com/wiki/Michael_Myers (Michael Myers), https://halloweenmovie.fandom.com/wiki/Haddonfield,_Illinois (Haddonfield, IL), https://fridaythe13th.fandom.com/wiki/Jason_Voorhees (Jason Voorhees), https://www.amazon.com/Gathering-Assets-Best-Nick-Murray/dp/0943570123 (Gathering Assets - Nick Murray), https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194 (Rich Dad Poor Dad - Robert Kiyosaki), https://www.amazon.com/Journal-Complete-Investing-Guidebook-Guidebooks/dp/0307236994/ref=sr_1_1?dchild=1&keywords=dave+kansas+wall+street&qid=1603391016&s=books&sr=1-1 (WSJ Complete Money and Investing Guidebook - Dave Kansas), https://www.amazon.com/Random-Walk-Down-Wall-Street/dp/0393358380/ref=sr_1_1?dchild=1&keywords=a+random+walk+down+wall+street+burton&qid=1603391105&s=books&sr=1-1 (A Random Walk Down Wall Street - Burton Malkiel), https://www.amazon.com/Rule-Strategy-Successful-Investing-Minutes/dp/0307336840/ref=sr_1_3?dchild=1&keywords=rule+%231+investing&qid=1603391181&s=books&sr=1-3 (Rule #1 - Phil Town), https://podcasts.apple.com/us/podcast/invested-the-rule-1-investing-podcast/id1008452319 (InvestED Podcast w/ Phil Town & Danielle Town), https://collegepartyguru.com/games/pages.php?link=Beer_Die (Official Beer Die Rules), https://www.youtube.com/watch?v=2tzSjtuMGOQ (Thuggish Ruggish Bone - Bone Thugs), https://www.youtube.com/watch?v=phaJXp_zMYM (Big Poppa - The Notorious B.I.G.), https://www.youtube.com/watch?v=fV8vB1BB2qc&index=1&list=PLgGXzaNJZKiK7_Jt61EdSVJweFjfzoPHi (I’ll Make Love to You - Boyz II Men), https://en.wikipedia.org/wiki/Zig_Ziglar#Quotes (Zig Ziglar), https://www.investopedia.com/terms/1/401kplan.asp (401k), https://www.investopedia.com/terms/1/403bplan.asp (403b), https://www.investopedia.com/terms/t/thrift_savings_plan.asp (TSP), https://www.nerdwallet.com/article/investing/learn-about-ira-accounts (IRA), https://www.nerdwallet.com/article/investing/what-is-a-roth-ira?trk=nw_ra_leftRail (Roth IRA), https://www.irs.gov/taxtopics/tc451#:~:text=An%20individual%20retirement%20arrangement%20(IRA,company%2C%20or%20other%20financial%20institution. (From the IRS: "Individual Retirement Arrangement (or IRA)"), https://www.investopedia.com/terms/s/sep.asp (SEP (SEP IRA)), https://www.investopedia.com/terms/s/simple-ira.asp (SIMPLE (SIMPLE IRA)), https://www.nerdwallet.com/article/investing/what-is-a-solo-401k (Solo 401k), https://www.investopedia.com/terms/k/keoghplan.asp (Keogh), https://www.investopedia.com/terms/b/brokerageaccount.asp (Brokerage Account), https://www.investopedia.com/terms/s/stock.asp (Stock), https://www.investopedia.com/terms/b/bond.asp (Bond), https://www.investopedia.com/terms/m/mutualfund.asp (Mutual Fund),...

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“What would you want to see happen with your family, if god forbid, something were to happen to you, and you were to leave your family, without you around?” - Andy Flattery, CFP®, of Simple Wealth Planning, LLC In episode 4, we're talking LIFE INSURANCE... because September is (and was) "Life Insurance Awareness Month". I know, it's October, and it can be scary talking about your own mortality, but we can't keep kicking the can down the road. We've gotta talk about this, SO WE DID! Spoiler alert, it wasn't that scary. Andy Flattery, CFP® from Simple Wealth Planning, and Kyle discuss why you need life insurance, the different types, who needs it, and how to get it. We even talk some sports, our girl names, and showering with Hall of Famers. Tune in! "It's loving your family enough to take care of them in the instance that you can't." Kyle Hill, CFP® Resources: https://www.nerdwallet.com/blog/life-insurance/ (Life Insurance Overview) (NerdWallet), https://www.investopedia.com/ask/answers/08/term-life-insurance.asp#:~:text=Term%20insurance%20is%20a%20type,death%20benefit%20will%20be%20paid. (Term Insurance), https://www.investopedia.com/terms/p/permanentlife.asp (Permanent Life Insurance), https://www.investopedia.com/terms/w/wholelife.asp (Whole Life Insurance), https://www.investopedia.com/ask/answers/08/variable-life-insurance.asp (Variable Life Insurance), https://www.investopedia.com/terms/u/universallife.asp (Universal Life Insurance), https://www.daveramsey.com/blog/types-of-life-insurance (Comparison )(Dave Ramsey), http://lifehappens.org/ (Needs Based Life Insurance Calculator), https://www.daveramsey.com/recommends/term-life-insurance/calculator/about (Simple Life Insurance Calculator), https://www.zanderins.com/ (Zander Insurance), https://www.policygenius.com/ (Policy Genius), https://www.brushkc.com/index.html (Brush Creek Partners), https://www.queensweetsandbakerytogo.com/#/ (Queen Sweets & Bakery), https://reddoorgrill.com/ (Red Door Grill), https://en.wikipedia.org/wiki/Cael_Sanderson (Cael Sanderson) (Greatest Wrestler Ever!), http://moonlightgrahamshow.com/ (The Moonlight Graham Show), https://www.youtube.com/watch?v=urEeUMqRhA4 (The White Stripes - Ball and Biscuit), https://www.youtube.com/watch?v=ru0K8uYEZWw (Justin Timberlake - Can’t Stop This Feeling), https://www.youtube.com/watch?v=3gOHvDP_vCs (Justin Timberlake - Sexy Back)  Andy Flattery, CFP® - Simple Wealth Planning, LLC https://simplewealthkc.com/ (Website), https://simplewealthkc.com/reformed-financial-advisor-podcast/#:~:text=Song%22%20is%20Andy's-,The%20Reformed%20Financial%20Advisor%20is%20the%20project%20of%20Andy%20Flattery,the%20bad%2C%20and%20the%20complex. (Podcast), https://www.linkedin.com/in/andyflattery/ (LinkedIn), https://www.facebook.com/andrewmflattery/ (Facebook), https://twitter.com/andyflattery?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor (Twitter), https://catholicfinancialplanners.com/andy/ (Catholic Financial Planners Network) Kyle Hill, CFP® - Hill-Top Financial Planning, LLC https://my.captivate.fm/www.hilltopfp.com (Website), https://www.linkedin.com/in/kyle-hill-cfp-kc/ (LinkedIn), https://www.xyplanningnetwork.com/advisors/kyle-hill-cfp/ (XY Planning Network (XYPN)), https://www.napfa.org/member/90226/26879 (NAPFA), https://www.letsmakeaplan.org/find-a-cfp-professional/certified-professional-profile/af276a79-c030-4b71-9c83-df5d13547b12 (CFP Board)

*This podcast uses sounds from freesound: Dry Transition by https://freesound.org/people/Electroviolence/ (Electroviolence) , Metal Door Slam Shut by https://freesound.org/people/ecfike/ (ecfike), and Scream by https://freesound.org/people/ngrib/ (ngrib)

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The best time to start investing was yesterday, but the second best time is today. - Tyler Landes, CFP®, AIF® of Tandem Financial Guidance, LLC In episode 3, this is Part 3 and the finale of the Laying the Foundation miniseries to kick off Personal Financial from the Hill-Top.  Tyler Landes, CFP®, AIF® from Tandem Financial Guidance, and Kyle discuss why saving is key to building margin in your life, and how investing is imperative to building longterm wealth on your quest to financial freedom. As always, we start with five minutes of fluff (which per usual goes beyond 5 minutes). This is a fun chat between two friends that’ll maybe produce a new fantasy football team name for one of them! In the house of the wise are stores of choice food and oil, but a foolish man devours all he has. Proverbs 21:20 Resources: https://www.everydollar.com/blog/how-to-win-with-money-in-7-easy-baby-steps (7 Baby Steps), https://rochesterkc.com/ (Rochester Brewery), https://www.cliffhousemaine.com/ (Cliff House), https://ymcarockies.org/ (YMCA of the Rockies), https://www.youtube.com/watch?v=GRxofEmo3HA (4 Seasons), https://www.youtube.com/watch?v=84oNPZuEIXo (Busta Rhymes Instrumental), https://www.youtube.com/watch?v=RYnFIRc0k6E (Rollin' - Limp Bizkit), https://simplewealthkc.com/neverretire (The Reformed Financial Advisor w/ Andy Flattery, CFP® - Never Retire Episode)

Tyler Landes, CFP®, AIF® - Tandem Financial Guidance, LLC https://tandemguidance.com/ (Website), https://www.linkedin.com/in/tylerlandes/ (LinkedIn), https://www.facebook.com/TandemGuidance/ (Facebook), https://twitter.com/tylerlandes?lang=en (Twitter), https://www.xyplanningnetwork.com/advisors/tyler-landes-cfp-aif/ (XY Planning Network (XYPN)), https://www.napfa.org/firm/38330/19471 (NAPFA),

Kyle Hill, CFP® - Hill-Top Financial Planning, LLC Website, https://www.linkedin.com/in/kyle-hill-cfp-kc/ (LinkedIn), https://www.xyplanningnetwork.com/advisors/kyle-hill-cfp/ (XY Planning Network (XYPN)), https://www.napfa.org/member/90226/26879 (NAPFA), https://www.letsmakeaplan.org/find-a-cfp-professional/certified-professional-profile/af276a79-c030-4b71-9c83-df5d13547b12 (CFP Board)

*This podcast uses sounds from freesound: Dry Transition by https://freesound.org/people/Electroviolence/ (Electroviolence) , and Metal Door Slam Shut by https://freesound.org/people/ecfike/ (ecfike).

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"You have to take a step back, focus on what you can control and what you can control is your own household, and what you do there.” - Mike Zung, CFP® of Java Wealth Planning In episode 2, this is Part 2 of the Laying the Foundation series to kick off Personal Financial from the Hill-Top.  Mike Zung, CFP®, from Java Wealth Planning, and I discuss why getting out of debt is crucial to your building wealth and a foundational principle for building your personal financial plan. We share first hand experiences, how to do it, and even have a little fun along the way. The rich rules over the poor, and the borrower is the slave of the lender. - Proverbs 22:7 Resources: https://www.daveramsey.com/blog/car-depreciation (Car Depreciation), https://www.themillionairenextdoor.com/publication/the-millionaire-next-door/ (The Millionaire Next Door by Thomas Stanley), http://www.thomasjstanley.com/publication/the-next-millionaire-next-door/ (The Next Millionaire Next Door by Sarah Stanley Fallaw), https://wealthcaps.com/millionaire-next-door/ (7 characteristics that most “Millionaires” exhibit), https://ficoscore.com/faq/ (FICO Score), https://www.kellogg.northwestern.edu/news_articles/2012/snowball-approach.aspx (Northwestern University Study on Debt Payment Method), https://www.nerdwallet.com/article/finance/what-is-a-debt-avalanche (Debt Avalanche), https://www.daveramsey.com/get-started/debt (Debt Snowball), https://cdn.ramseysolutions.net/media/pdf/forms/debt-snowball-2017.pdf (Debt Snowball Worksheet), https://www.usdebtclock.org/ (US Debt Clock), https://youtu.be/ASapfJM4bpY?t=9600 (Our Debt Free Scream!), https://www.youtube.com/watch?v=ro95Ns58qSE (I Turn My Camera On - Spoon), https://www.youtube.com/watch?v=wyx6JDQCslE (Sexy and I Know It - LMFAO) Mike Zung, CFP® - Java Wealth Planning:  https://www.javawealth.com/ (Website), https://www.youtube.com/channel/UCi3d9aAtUAiamPM6KkAHeng (YouTube), https://www.javawealth.com/blog (Blog), https://www.facebook.com/javawealth (Facebook), https://twitter.com/java_wealth (Twitter), https://www.instagram.com/javawealth (Instagram), https://www.linkedin.com/in/mikezung/ (LinkedIn), https://www.xyplanningnetwork.com/advisors/mike-zung-cfp/ (XY Planning Network) (XYPN), https://www.napfa.org/member/89779/26157 (NAPFA) Kyle Hill, CFP® - Hill-Top Financial Planning, LLC https://www.hilltopfp.com (Website,) https://www.xyplanningnetwork.com/advisors/kyle-hill-cfp/ (XY Planning Network (XYPN)), https://www.napfa.org/member/90226/26879 (NAPFA), https://www.linkedin.com/in/kyle-hill-cfp-kc/ (LinkedIn), https://www.letsmakeaplan.org/find-a-cfp-professional/certified-professional-profile/af276a79-c030-4b71-9c83-df5d13547b12 (CFP Board)

*This podcast uses sounds from freesound: Dry Transition by https://freesound.org/people/Electroviolence/ (Electroviolence) , Metal Door Slam Shut by https://freesound.org/people/ecfike/ (ecfike)

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"The budget is the foundation for everything you can do for the rest of your life.” - David Gourley, The Budget Teacher In episode 1, this is Part 1 of the Laying the Foundation series to kick off Personal Financial from the Hill-Top.  David Gourley, from The Budget Teacher, and Kyle discuss why the budget is the foundation for building your personal financial plan, and how to do one. We share first hand experiences, and David gives us some easy tips for getting started.   Resources: https://cdn.ramseysolutions.net/media/pdf/forms/fpu-budgeting-forms.pdf?_ga=2.180964007.1887323110.1598975551-1988408002.1585669845 (Budgeting Forms), https://www.acorns.com/money-basics/saving-and-budgeting/budget-meaning/ (US Bank Study), https://blog.xyplanningnetwork.com/advisor-blog/can-money-buy-happiness-maybe-says-elizabeth-dunn (Money Buying Happiness - Dr. Elizabeth Dunn), https://web.mit.edu/simester/Public/Papers/Alwaysleavehome.pdf (MIT Study), https://www.daveramsey.com/ (Dave Ramsey), Capital One 360 Savings Goals, https://www.everydollar.com/ (EveryDollar), https://www.youneedabudget.com/ (YNAB), https://www.mint.com/ (Mint), https://www.mvelopes.com/ (Mvelopes), http://www.thebaseballcube.com/players/profile.asp?ID=49931 (Eli Rumler) (He was #5, not #3!) David Gourley, The Budget Teacher:  https://thebudgetteacher.com/ (Website), https://podcasts.apple.com/us/podcast/the-budget/teacher-podcast/id1525741752 (Podcast), Facebook, Instagram, Course Kyle Hill, CFP® - Hill-Top Financial Planning, LLC https://my.captivate.fm/www.hilltopfp.com (Website), https://www.linkedin.com/in/kyle-hill-cfp-kc/ (LinkedIn), https://www.xyplanningnetwork.com/advisors/kyle-hill-cfp/ (XY Planning Network (XYPN)), https://www.napfa.org/member/90226/26879 (NAPFA), https://www.letsmakeaplan.org/find-a-cfp-professional/certified-professional-profile/af276a79-c030-4b71-9c83-df5d13547b12 (CERTIFIED FINANCIAL PLANNER™)

*This podcast uses sounds from freesound: Dry Transition by https://freesound.org/people/Electroviolence/ (Electroviolence) , Metal Door Slam Shut by https://freesound.org/people/ecfike/ (ecfike),

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Coming Soon! A Personal Finance podcast for Gen X, Y & Z. Submit Questions for future episodes at: kyle@hilltopfp.com www.hilltopfp.com