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Welcome to the 192nd episode of The Free Retiree Show, hosted by wealth manager Lee Michael Murphy and interview coach Sergio Patterson. In this episode, we delve into the intricate subject of “The Remote Company Culture Shift: Key Factors that Make or Break It.”

As we embark on an exploration of the novel remote culture shift, we scrutinize prevalent misconceptions surrounding remote work cultures. Join us as we unravel the complexities of harmonizing the needs of both extraverts and introverts within the virtual workspace. Additionally, we dissect the paramount key factor essential for the sustenance of successful remote work environments.

Our expert guest, Jean Marie DiGiovanna—international keynote speaker, leadership specialist, certified executive coach, and bestselling author—guides the conversation on how to build culture and connections in this new environment. Boasting over 25 years of experience, she stands as one of the world’s foremost authorities on Renaissance Leadership.

Jean Marie not only imparts her wealth of experience but also unveils invaluable insights into fostering trust, collaboration, and innovation within organizational cultures. As a two-time guest on the show, her presence enriches our discussion.

While remote work presents its merits, from enhanced family time to reduced commuting, challenges persist. Jean Marie delves into the obstacles companies encounter in this evolving remote landscape, shedding light on the nuanced dynamics of limited colleague interaction.

In this episode, we explore concepts in her new book “Stop Talking Start Asking: 27 Questions to Shift the Culture of Your Organization” and learn about Jean’s newly released LinkedIn Learning course, “Communication Skills for Modern Management.”

We invite you to join us in exploring the transformative potential of posing pertinent questions to reshape your organization’s mindset.

Tune in to Episode 192 for a comprehensive exploration of remote work culture, featuring expert insights, pragmatic advice, and the essential keys to cultivating a thriving virtual work environment.

LinkedIn Learning Course Information:

“Communication Skills for Modern Management,” unlocked through 12/31/23.

Course Link: Communication Skills for Modern Management

https://www.linkedin.com/learning/communication-skills-for-modern-management?trk=lilblog_10-23-23_-tech

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Welcome to Episode 191 of TFRS, where we shift the spotlight from amassing wealth to gaining time and choices in life. Research has shown that once our income meets our needs and allows for savings, accumulating more money doesn’t significantly elevate our happiness. Strikingly, those with substantial wealth often feel worse off, comparing themselves to those with more.

A fascinating study delved into the lives of multimillionaires, revealing that most believed an additional $5 million would bring them greater happiness. But studies, including one from Harvard analyzing 100,000 individuals, highlight that prioritizing time over money leads to more fulfilling social relationships, satisfying careers, and overall higher rates of contentment.

This episode uncovers the four key benefits of adopting a time-centric approach. It’s evident that those feeling time-poor exhibit lower happiness levels, higher stress, anxiety, and reduced joy. By emphasizing time, people enhance social connections, build healthier relationships, and experience increased job satisfaction, all while achieving similar or greater income.

We delve into practical strategies to reorient your priorities towards time. Understanding your core values and the real cost of spending money (which is time you’ve worked hard to earn) is a crucial starting point. Reflecting on your “why” and whether material possessions align with a more fulfilling life is another pivotal step.

Finally, a poignant reminder that time is our most precious asset. We’re all destined to reach the end of our journey, and when reflecting on life’s moments, it’s the quality time spent with loved ones, pursuing happiness, or contributing to the world that truly matters. The podcast episode concludes by highlighting the immeasurable value of time over money in crafting a more enriching and satisfying life.

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Welcome to The Free Retiree Show. In this episode, we provide an up-to-date economic snapshot as of October 18, 2023. We’ll touch on key economic indicators, including the rise in interest rates and its impact, declining homebuilder sentiment due to surging mortgage rates, and the precarious state of commercial real estate. Furthermore, we delve into the financial ramifications of ongoing international conflicts, including the Ukraine War and the Middle East situation.

We also discuss how wars can adversely affect economies, emphasizing the burdensome costs associated with military expenses and the toll on infrastructure, skilled workers, and international trade. Additionally, we address inflation and the deterrence of investors amidst periods of uncertainty. We provide valuable financial strategies, such as investing for the long term and considering defensive stocks, bonds, and employing dollar-cost averaging. We also discuss investments to add protection in your financial journey.

As we navigate these complex economic and geopolitical landscapes, we offer insights into managing your finances wisely and adapting to ever-changing financial environments. Subscribe today and stay tuned for more guidance on securing your financial future! 🎙️💰

FinancialFreedom #EconomicUpdate #WarEconomics #ProtectYourRetirement

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In this illuminating episode of “The Free Retiree Show,” host Lee Michael Murphy, a seasoned wealth manager, and co-host Sergio Patterson join forces to guide you on the path to financial freedom. Drawing from their wealth of knowledge and experience, they present a comprehensive blueprint for securing your financial future.

Kicking off the discussion, Lee and Sergio stress the importance of setting clear and inspiring financial goals. They challenge the conventional notions of success tied to material possessions and emphasize the value of prioritizing personal fulfillment and making a positive impact on others.

The episode proceeds with a focus on building a one-month survival fund, highlighting the peace of mind it provides during challenging times. Lee and Sergio delve into the art of budgeting wisely and saving for emergencies, underlining the role of consistency and accountability in financial planning.

Career growth takes the spotlight as Lee explains that it is not only crucial for financial stability but also offers personal growth, professional development, and the freedom to make choices. Saving and investing 20% of your income becomes a key step in the journey to financial freedom, with Lee and Sergio providing insights into the power of delayed gratification and financial discipline.

Debt management is a significant aspect of the financial journey. Lee and Sergio discuss effective strategies for saying goodbye to high-interest debt, allowing listeners to boost their cash flow and accelerate their financial progress.

Maximizing retirement and investment accounts comes under the spotlight as the hosts stress the importance of early planning and understanding employer retirement plans. They explore how investment accounts can open doors to future financial opportunities, such as property investment.

Homeownership is recognized as a valuable component of financial strategy. Lee and Sergio highlight its potential to build equity and secure tax advantages. They explain how homeownership can contribute to overall financial freedom.

The episode further delves into the vital concept of protecting your wealth with insurance and planning. Lee and Sergio emphasize the need for estate planning, asset diversification, and risk management to ensure your hard-earned wealth remains secure.

The episode concludes with an exploration of investment real estate’s potential for financial growth. The hosts discuss how this avenue can provide appreciation, cash flow, and tax benefits. Leveraging your money through investment real estate is presented as a game-changing strategy to multiply your wealth.

In sum, this episode of “The Free Retiree Show” offers a holistic approach to financial freedom, addressing key aspects of personal finance and wealth management. Lee Michael Murphy and Sergio Patterson provide expert insights and practical advice, making this episode a valuable resource for anyone looking to take control of their financial future, regardless of their current financial situation. Whether you’re starting your financial journey or seeking ways to enhance your financial well-being, this episode provides actionable strategies to help you achieve your financial goals.

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Welcome to The Free Retiree Show! Today, we’ve prepared an exceptional episode that takes a deep dive into the realms of entrepreneurship, real estate investing, and the art of discovering incredible real estate deals. Guiding us on this exhilarating journey is none other than our distinguished guest - David Lecko, a celebrated real estate investor and the dynamic CEO behind Deal Machine.

David Lecko’s journey is a wellspring of inspiration. He’s not merely a successful real estate investor; he’s a serial entrepreneur who has mastered the craft of building multi-million-dollar online businesses. Today, he graces us with his wisdom on these pivotal subjects that hold the potential to reshape your financial future.

David Lecko’s journey extends beyond personal accomplishment; it’s a mission to extend a helping hand to others in pursuit of their real estate aspirations. As the CEO of Deal Machine, he’s the driving force behind a groundbreaking CRM tool designed specifically for real estate investors and wholesalers. Deal Machine has risen to prominence as one of the most influential companies in the real estate sphere.

In this episode you’ll learn:

🚀 Entrepreneurship Insights: David Lecko shares his journey from startup beginnings to the establishment of a multi-million-dollar online empire. Delve into the strategies and mindset that underpin his entrepreneurial triumphs.

🏡 Real Estate Investment Essentials: Join David on a journey through the realm of real estate investing. Acquire insights into the critical factors that demand consideration when evaluating real estate deals.

💎 Unveiling Amazing Real Estate Deals: David unravels the mysteries of locating hidden gems within the real estate market. His tips and techniques are poised to help you unearth extraordinary opportunities.

💼 The Power of Deal Machine: Delve into the world of Deal Machine, a revolutionary CRM tool tailored for real estate investors and wholesalers. Learn how it ascended to become one of the fastest-growing companies in the United States and how it can revolutionize your lead generation process.

🌟 Lessons from Real-Life Challenges: David candidly shares his own struggles as a real estate investor, offering powerful lessons learned through adversity. Be inspired by his resilience and determination.

🚗 Driving for Dollars Strategy: Explore the intriguing concept of “driving for dollars” and how it can serve as a game-changing strategy in your real estate investment journey.

📱 Deal Machine Demystified: Gain an in-depth understanding of the inner workings of Deal Machine and how it can simplify lead generation, making it an indispensable tool for everyone in the real estate industry.

This episode serves as a treasure trove of knowledge and inspiration, brimming with real-world insights that have the potential to elevate your entrepreneurial prowess and propel you to new heights in the world of real estate investing. You won’t want to miss this! Tune in to Episode 188 of The Free Retiree Show for an exclusive conversation with David Lecko, the visionary CEO of Deal Machine.

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In this episode, we aim to gain a deeper knowledge behind the diverse behaviors and backgrounds that can present unique challenges on the journey to financial security.

Whether you’re seeking to enhance your own financial situation, gain insights into the hurdles faced by others, or simply aspire to better understand the complex dynamics of financial success, you’ve come to the right place.

Join us on this transformative journey as we shed light on these mindsets that may be hindering your financial progress. By the end of this episode, you’ll be equipped with practical solutions, newfound knowledge, and a fresh perspective on your financial journey.

Subscribe now and embark on a path toward unmasking the mindsets that stand between you and the financial success you deserve. Don’t let these obstacles hold you back any longer; it’s time to rewrite your financial narrative.

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Welcome to “The Free Retiree Show,” your trusted show on the path to financial freedom and career success. In this episode Lee Michael Murphy, the wealth manager, and career advisor extraordinaire Sergio Patterson, guide you through the intricacies of increasing your value at work and and acing your next performance review.

In this enlightening episode, we dig deep into the transformative power of feedback and how it can elevate your performance to new heights.

What you’ll learn in this episode:

• The Art of Soliciting Anonymous Insights: Uncover the secrets to seeking candid feedback that may surprise and enlighten you.
• Embracing Constructive Criticism: Learn how to welcome and grow from challenging feedback, even when it’s tough to hear.
• Documenting Your Path to Excellence: Explore the significance of keeping a record of valuable feedback to chart your journey towards improvement.
• Crafting Your Roadmap to Success: Understand why having a well-thought-out plan to address areas of growth is pivotal for personal and professional development.

Join us in this riveting episode as we equip you with the tools to unlock your true potential. Your journey towards career excellence and financial independence begins here with “The Free

Retiree Show.” Don’t miss out on this exciting opportunity to transform your career dreams into reality.

Subscribe to the podcast on Spotify, Pandora, Apple Podcasts, Google Podcasts, and Elevate Radio.

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Welcome aboard into the “The Free Retiree Show,” where you’ll be joined by your trusted hosts, Wealth Manager Lee Michael Murphy and Interview Coach Sergio Patterson. In this engaging episode, “How to Thrive in High-Interest Times: Short and Long-Term Financial Strategies,” we’re about to tackle some vital questions that can significantly impact your financial wellbeing in today’s high-interest rate landscape. Get ready as we shed light on these common inquiries:

• Wondering where to wisely invest your hard-earned money?
• Curious if Certificates of Deposit (CDs) are a sound long-term financial strategy?
• Pondering just how long these high interest rates will persist?
• Contemplating the idea of buying a home amidst the current market conditions?

But first, let’s take a journey into the past and present economic scenario. Over the last two decades, low-interest rates spurred rapid home purchases, facilitated startup growth through accessible venture capital, and witnessed extensive monetary policies striving to boost the economy. However, today’s economic landscape presents fresh challenges, including the escalation of mortgage costs, corporations scaling back borrowing, and the unpredictable performance of stocks and bonds.

What you’ll learn:

• Whether it’s wise to stash your cash in CDs when stocks are still available at discounted rates.
• When can we anticipate a decline in interest rates, and which indicators like the rising Core Consumer Price Index (CPI) should you monitor?
• The significance of maintaining higher cash reserves in your financial arsenal.
• Tips and tricks for effectively reducing debt, including exploring the world of zero-interest credit cards.
• Insight into investment opportunities within the energy and commodities markets.
• A closer look at sectors that may offer long-term investment potential.
• Key considerations before diving into real estate investments.

So, strap in and join us for a deep dive into these financial strategies that will empower you with the knowledge needed to not just survive but thrive in these high-interest times. Your financial future starts here on “The Free Retiree Show.”

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In this episode of “The Free Retiree Show” podcast, we’re tackling the challenge of securing your dream job in today’s competitive job market. Hosted by wealth manager Lee Michael Murphy and interview coach Sergio Patterson, we delve into the strategies and tactics that will set you on the path to success as you land your next great job opportunity.

Are you a retiree eager to make your mark in a new and exciting job role? Join us as we unveil the essential keys to landing your dream job in the midst of fierce competition. In this episode of “The Free Retiree Show,” our experienced hosts, Lee Michael Murphy and Sergio Patterson, offer invaluable insights and actionable advice to guide you through your job search and interview process. In a job market that’s constantly evolving, standing out has never been more crucial.

What You’ll Learn:

• Craft a compelling personal brand to discover the power of defining and communicating your unique brand to set yourself apart.
• Create an impressive resume to learn the art of resume crafting to secure those crucial interviews.
• Master network leveraging to uncover networking strategies tailored for retirees, including effective messaging techniques.
• Develop relevant skills to stay competitive by identifying and acquiring skills essential for your desired career.
• Showcase your impact to impress prospective employers by highlighting your past achievements and potential contributions.
• Establish an online presence to embrace the digital era with the benefits of a personal website to showcase your expertise.
• Excel in interviews to get expert tips from Sergio Patterson on interview preparation, presentation, and question handling.

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Dive into the world of worry-free travel preparation with “The Free Retiree Show,” as they unpack the crucial topic of travel insurance in a thought-provoking episode. This enlightening discussion transcends the boundaries of age, experience, and destination, offering listeners a comprehensive understanding of the ins and outs of travel insurance.

With an engaging opening question, the hosts spark your imagination, prompting you to dream about your next adventure and consider whether travel insurance should be part of the plan. The conversation then evolves, covering a range of pertinent questions that cater to both seasoned voyagers and those embarking on their maiden journey.

Delving into the cost aspect, the podcast provides valuable insights into how travel insurance pricing varies, taking into account the total trip cost and other influencing factors. This exploration of cost factors sets the stage for a deeper dive into the multifaceted world of coverage.

The heart of the episode focuses on coverage essentials, with special emphasis on medical emergencies, which stand as a critical pillar of any travel insurance policy. The hosts empathize with the significance of medical coverage, breaking down the various facets, including medical bills, dental expenses, evacuation, and medical transportation.

The episode unravels the mystery surrounding lost baggage, revealing astonishing statistics about the likelihood of baggage loss during international flights. The hosts navigate the regulatory landscape, explaining the compensation available for lost luggage and the meticulous documentation necessary to make successful claims.

The episode continues to unfold with a detailed exploration of the diverse coverage options offered by travel insurance. Cancellations, unexpected travel disruptions, and even car rental insurance come under scrutiny, enriching your understanding of the comprehensive protection travel insurance can provide.

From the benefits of booking trips with travel credit cards to engaging in meaningful conversations with insurance providers, the hosts provide actionable insights that empower listeners to navigate the realm of travel insurance with confidence.

In essence, “The Free Retiree Show” has created an episode that goes beyond a mere discussion of travel insurance; it’s a comprehensive guide that equips listeners with the knowledge needed to make informed choices. Whether you’re a globetrotter seeking extra reassurance or a travel novice stepping into the unknown, this episode promises to be a valuable addition to your travel preparation toolkit.

What You’ll Learn:

• The factors that influence travel insurance cost and how to assess its value.
• The critical importance of medical coverage in travel insurance, covering medical bills, evacuation, and more.
• Strategies to mitigate the heightened risk of lost baggage during international travel.
• A detailed breakdown of coverage areas, including cancellations, unexpected disruptions, and car rental insurance.
• Insights into leveraging travel credit cards for a variety of insurance benefits.
• How to navigate conversations with insurance providers, clarifying coverage and exclusions.
• Considerations for correlating insurance coverage with trip expenses and personal health.
• Practical tips for meticulous documentation to support successful insurance claims.

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Welcome to a compelling episode of our podcast, where we dive deep into a topic that’s on everyone’s minds these days: inflation. Join us as we explore why inflation has proven to be a persistent challenge and discover effective strategies to combat its impact on your finances.

The Free Retiree Show gives insights into managing inflation and its effects on your financial journey. Tune in to hear expert advice on tackling inflation, ensuring a secure retirement, and optimizing your financial decisions.

In today’s episode, we unravel the complexities of inflation and its current state in the United States. We explore the contrasting impact of inflation on services and manufacturing sectors, showcasing historical trends and how rate hikes tend to affect these industries differently. Understanding these nuances is crucial for navigating your investment choices during inflationary periods.

While we explore various strategies to combat inflation, we also share insights into investment options that don’t fare as well during these times. We take a candid look at the performance of these investments and offer a balanced perspective on their viability as inflation-fighting assets.

While no one can predict market movements, arming yourself with knowledge and patience can empower you to make informed decisions that position you for success in the future.

Tune in to gain a deeper understanding of inflation’s intricacies, effective strategies to navigate its challenges, and actionable insights to protect and grow your wealth. Remember, in the world of finance, knowledge is the key to success. Subscribe to The Free Retiree Show for more insights to help your financial future.

What You’ll Learn:

• Gain a comprehensive understanding of the complexities of inflation and its current state in the United States.
• Explore the contrasting impact of inflation on services and manufacturing sectors, with historical trends and insights into industry response to rate hikes.
• Discover strategic investment choices to combat inflation’s erosive effects, from real estate and stocks to Treasury Inflation-Protected Securities (TIPS).
• Delve into the role of Certificates of Deposit (CDs) as a safeguard against inflation, offering a secure haven for your cash.
• Learn the art of negotiating earnings as a powerful tool to counter the purchasing power erosion caused by inflation.
• Uncover the significance of reducing bad debt to alleviate the financial strain inflicted by inflation.
• Gain insights into investment options that may not fare as well during inflationary times, with a candid look at the performance of precious metals.
• Empower yourself with knowledge and patience to make informed financial decisions that navigate inflation’s challenges and position you for success.

InflationInsights #FinancialStrategy #InvestmentTips #EconomicNavigators #NavigatingInflation #SmartFinanceMoves #RetireeShowPodcast

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Welcome to The Free Retiree Show, a dedicated platform supporting individuals in leveling up their careers and achieving financial independence. Join wealth manager Lee Michael Murphy and interview coach Sergio Patterson as they engage in an insightful conversation with Carina Hellmich, a top life voice on LinkedIn and a professional coach, on the challenging topic of dealing with grief in the workplace.

In this episode, they explore various aspects related to this issue, touching upon the concept of mindfulness and its practical application in daily life. Carina, an expert in grief management and resiliency, provides valuable insights on becoming more resilient, empowering listeners to overcome adversity and heal from devastating loss. Moreover, she shares strategies for supporting others who are experiencing challenging times.

Carina emphasizes the importance of expressing emotions and seeking understanding and empathy from coworkers during the healing process. She also discusses the significance of taking breaks when needed, allowing emotions to surface and be processed effectively.

Throughout the conversation, they assure listeners that experiencing a wide range of emotions during the grieving process is natural, urging them to be patient with themselves and to embrace the healing journey without judgment.

Carina’s expertise in stress management and resiliency leads the conversation into the power of embracing mindfulness. She encourages listeners to check if their workplaces offer resources for practicing mindfulness or meditation, as it can provide inner strength and navigation through grief. By staying present and centered, individuals can significantly improve their coping skills during this challenging period.

Carina brings a unique perspective to the show, having traveled to 109 countries and resided in Shanghai for seven years. Her personal experience with significant loss, losing both parents to cancer within a relatively short time, makes her insights invaluable as they explore ways to heal and grow stronger.

What You’ll Learn:

• Explore the concept of mindfulness and how to apply it to your daily life.

• Discover strategies to become more resilient and overcome adversity and devastating loss.

• Gain insights on supporting others going through difficult times.

• Understand the importance of sharing your emotions with coworkers during grief and loss.

• Learn the significance of taking breaks and allowing emotions to be processed.

• Discover the benefits of seeking support outside of the workplace through counseling or support groups.

• Emphasize the importance of setting boundaries and communicating the need for space.

• Explore self-care practices, including rest, nutrition, and comforting activities.

• Learn to focus on what truly matters at work without overexerting yourself.

• Understand that experiencing a range of emotions during grief is natural and practice self-compassion.

• Discover the power of embracing mindfulness as a coping tool and navigating through grief with inner strength.

Don’t miss this thought-provoking episode! Subscribe and share The Free Retiree Show on iHeartRadio, Apple, Spotify, Pandora, and Elevation Radio. Join us as we learn from Carina’s wisdom, uncover the power of mindfulness, and discover strategies to overcome grief and thrive. Remember, you are not alone, and with mindfulness as your tool, you can push forward with resilience and strength. 💪

Podcast #Mindfulness #Resilience #GriefSupport #SelfCare #CareerGrowth #TheFreeRetireeShow #CarinaHellmich #NewEpisodeAlert #SubscribeNow

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Welcome to The Free Retiree Show, episode 180! In this episode we’re diving deep into the world of money and wealth to debunk 10 common misconceptions that might be holding you back from achieving your financial goals.

Throughout life, we often encounter false assumptions and beliefs about money that can hinder our financial progress. In this episode, we’re setting the record straight and revealing the truth behind these myths, empowering you with the knowledge and strategies to build a more secure and prosperous future.

So, join us as we uncover the reality behind the most prevalent misconceptions about money and wealth. From understanding the correlation between money and happiness to grasping the significance of open communication about money problems, we’ll explore each misconception and provide valuable insights to help you make informed financial decisions.

In this episode of The Free Retiree Show, you’ll learn:

• The truth behind the belief that more money equals more happiness.
• Why a big income doesn't guarantee financial security and what truly matters for long-term financial freedom.
• Why relying solely on a bank might not be the best way to grow your money.
• How to distinguish between good and bad debt and make informed financial choices.
• The importance of discussing money issues openly and building a support network to achieve your financial goals.
• How investing is accessible to everyone, regardless of income level, and the power of consistent contributions.
• Strategies to overcome the fear of investment risk and embrace diversified approaches.
• The significance of estate planning for protecting your assets and fulfilling your wishes.
• How to balance paying off student loans with the desire to buy a home.
• The pros and cons of buying versus renting a home and factors to consider in the decision-making process.

Don’t miss out on this eye-opening episode as we dispel these common misconceptions about money and wealth. Tune in now to gain valuable insights that will empower you to make better financial choices and pave the way to a brighter future. Subscribe and join us on The Free Retiree Show! Let’s embark on this journey together towards financial freedom!

TheFreeRetireeShow #FinancialSuccess #MoneyMyths #WealthWisdom #FinancialFreedom #InvestmentInsights #EstatePlanning #StudentLoans #Homeownership #FinancialDecisions #PodcastAlert

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In this episode, we explore the crucial topic of knowing when it's the right time to search for a new job or role in your career. Joining us as our esteemed co-host is Sergio Patterson, an expert in talent development, with a remarkable background working with industry giants like Google, LinkedIn, Amazon, and Airbnb.

Recognizing the signs that indicate it might be time for a change is vital for personal and professional growth. Sergio's extensive experience in human resources and talent acquisition provides invaluable insights into identifying these signs and understanding the importance of taking proactive steps towards new opportunities.

Throughout the discussion, we delve into the various indicators that suggest you might be ready for a career change. Whether it's feeling bored and unchallenged in your current role, experiencing anxiety and dread before going to work, or having recurring nightmares about your job, these emotions can be compelling signals to consider exploring new avenues.

Sergio shares practical advice on navigating the complexities of career transitions, helping you align your values and aspirations with the right role. Drawing from his experiences at top-tier companies, he provides real-life examples and best practices for assessing your situation and making informed decisions.

Understanding when to search for a new job or role is crucial for achieving fulfillment and growth in your career. Sergio Patterson's expertise, combined with our engaging discussions, will empower you to take charge of your professional journey and seek opportunities that resonate with your true potential.

Join us in this insightful episode as we uncover the art of recognizing the perfect moment to embark on a new job search. Don't miss out on the wisdom and advice shared by our esteemed co-host, Sergio Patterson, and remember to subscribe and share the show to stay connected with us on iHeart Radio, Apple Podcasts, Spotify, Pandora, and Elevation Radio. Together, let's navigate the path to a more rewarding and satisfying career.

TheFreeRetireeShow #CareerTransitionExpert #CareerGrowth #NewOpportunities #JobSearchTips #CareerChangeAdvice #KnowWhenToMoveOn

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Welcome to “ Escaping Credit Card Debt,” a special edition of The Free Retiree Show. In Episode 178, we dive into the pressing issue of credit card debt, exploring the factors contributing to its rise in the US. Join us as we share valuable tips and tricks to avoid falling into the credit card debt trap and provide expert advice on breaking free from it. Whether you’re currently facing credit card debt or not, this episode is essential for anyone looking to achieve financial freedom and secure a prosperous retirement.

What You’ll Learn:

1. Why credit card debt is on the rise. .
2. The impact of post-pandemic life: soaring inflation, and fluctuating interest rates on the surging credit card debt balances.
3. Learn effective strategies to tackle credit card debt, including the importance of open conversations with loved ones, creating a personalized budget, and implementing the snowball or avalanche debt repayment methods.
4. Gain insights into negotiating with credit card companies for reduced interest rates or hardship programs to make your repayment journey smoother.
5. Understand the potential savings by considering balance transfers to credit cards with lower interest rates, including the allure of 0% balance transfer cards.
6. Explore the option of low-rate personal loans to expedite debt repayment and pave the way to financial independence.
7. Gain insights into income-boosting opportunities like side jobs or freelance work, providing additional funds to accelerate debt repayment and achieve your financial goals.

Subscribe now on Spotify, Pandora, Apple Podcasts, Google Podcasts, and Elevate Radio.

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Join wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matt McElroy in this engaging episode of The Free Retiree Show. In this mid-year economic report, they analyze the economic conditions of the first half of the year and provide insights into what the second half may hold.

Drawing from JP Morgan’s mid-year economic report, Lee, Sergio, and Matt explore key factors that impact the economy and provide valuable information for listeners to consider. They begin by discussing the challenges of reducing inflation, which has been influenced by factors such as the COVID-19 pandemic and the timeline for vaccine distribution.

In this episode, you’ll learn:

• An overview of the economic conditions for the first half of the year based on data from JP Morgan’s mid-year economic report.

• Insights into the factors influencing inflation and its current trends, including year-over-year CPI inflation and the Federal Reserve’s interest rate hikes.

• The impact of interest rates on mortgages, core goods inflation, and the significance of PCE core inflation in understanding overall inflation patterns.

• Predictions for future interest rate hikes and the potential timeline for their implementation.

• Analysis of Gross Domestic Product (GDP) measurements and projections for the economy in the fourth quarter of 2023 and the first quarter of 2024.

• Examination of supply chains, including improvements in shipping costs, container ship capacity, and delivery times, and the potential impact on the prices of goods and services.

• Insights into the stabilization of the housing market, including housing starts, existing home sales, and home builder sentiment.

• Discussion on lending growth in regional banks, their reduced forecasts, and the challenges they may face in the current interest rate environment.

As the episode concludes, Lee, Sergio, and Matt invite listeners to like, share, and subscribe to The Free Retiree Show. They encourage listeners to send in their financial questions to ask@thefreeretiree.com. Tune in to gain valuable insights and make informed decisions about your finances and retirement plans.

MidYearEconomicReport #InflationUpdate #InterestRates #EconomicForecast #FinancialInsights #TheFreeRetiree #FinancialFreedom #Retirement #InterviewTips #RetirementStrategy

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Join hosts wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matt McElroy on The Free Retiree Show as they delve into the crucial topic of performing a comprehensive financial checkup. In Episode 176, you’ll gain valuable insights and expert tips to assess your financial health and make informed decisions for a secure future.

With their extensive experience, the hosts guide you through the essential steps of a financial checkup. They cover various key areas, including emergency funds, reducing excessive cash holdings, retirement savings strategies, budget review, debt management techniques, credit report assessment, insurance coverage evaluation, and estate plan review.

Discover the importance of maintaining a robust emergency fund and explore different avenues such as CDs to maximize your savings potential. Learn why excessively holding onto cash can be a costly mistake that hampers your ability to combat inflation effectively.

The hosts emphasize the significance of retirement savings, highlighting the utilization of company matches and recommending a minimum savings and investment percentage. Dive into budget review techniques to identify recurring expenses that can be reduced or eliminated, and explore effective methods for paying off high-interest credit card debt, including the debt snowball and debt avalanche approaches.

Get invaluable advice on checking your credit reports from the three main credit reporting agencies and how to obtain free copies of your credit report annually. Gain insights into reviewing insurance coverage, including life, disability, health, and umbrella policies, to ensure you have adequate protection for your financial well-being.

Lastly, the hosts discuss the importance of estate planning: covering wills, trusts, and beneficiary reviews.

Don’t miss Episode 176 of The Free Retiree Show, where Lee Michael Murphy, Sergio Patterson, and Matt McElroy equip you with the knowledge and tools to conduct a thorough financial checkup, empowering you to make informed decisions and achieve financial stability.

What You’ll Learn:

• The importance of maintaining an emergency fund and strategies to save 3-6 months’ worth of expenses.

• The risks associated with holding excessive cash and how to optimize your cash holdings.

• Tips and techniques to maximize your retirement savings, including taking advantage of company matches and setting savings goals.

• Effective budget review methods to identify and cut unnecessary expenses on a monthly and annual basis.

• Strategies for paying off high-interest credit card debt, such as utilizing the debt snowball or debt avalanche approach.

• The significance of checking your credit reports annually and how to obtain them for free from the main credit reporting agencies.

• Key considerations when reviewing insurance coverage, including life insurance, disability insurance, health insurance, and umbrella policies.

• An overview of estate planning essentials.

Listen to this enlightening episode on iTunes, Spotify, or your favorite podcast platform.

TheFreeRetiree #FinancialCheckup #MoneyManagement #RetirementPlanning #DebtManagement #CreditReports #InsuranceCoverage #EstatePlanning

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Tune in to Episode 175 of The Free Retiree Show, where hosts wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matt McElroy dive into the topic of "Crafting the Perfect Resume: Strategies for Effective Job Applications." In this insightful episode, you'll learn valuable tips and techniques to optimize your resume and increase your chances of landing your dream job.

The hosts will guide you through various aspects of resume writing, emphasizing the importance of simplicity and avoiding a cluttered layout. Discover the power of a concise and impactful summary that captures the attention of potential employers. They also stress the significance of tailoring your resume for a specific job, showcasing your relevant skills and experiences.

With their expert guidance, you'll explore the art of highlighting your accomplishments and explaining the results you achieved in previous roles, rather than simply listing every task you've performed. They'll teach you how to focus on your top career achievements to make a lasting impression on hiring managers.

Furthermore, the hosts will share valuable insights on incorporating job description aspects into your resume, ensuring it aligns perfectly with the requirements of the position you're applying for.

What You’ll Learn:

• Strategies to avoid a cluttered resume and present your information in a clear and concise manner.
• The importance of crafting a short yet powerful summary that captures the essence of your professional profile.
• How to tailor your resume for a specific job, showcasing your relevant skills and experiences that align with the position.
• Techniques for effectively highlighting your accomplishments and explaining the results you achieved in previous roles.
• The significance of listing your top career achievements instead of overwhelming your resume with every task you’ve performed.
• Insights on incorporating aspects of the job description into your resume to make it more appealing to potential employers.
• Proven methods to optimize your resume and increase your chances of standing out in a competitive job market.

Don't miss this knowledge-packed episode of The Free Retiree Show, Episode 175, as Lee Michael Murphy, Sergio Patterson, and Matt McElroy equip you with the tools to create a compelling resume that grabs attention and propels your career forward.

TheFreeRetiree #FinancialFreedom #Retirement #InterviewTips #RetirementStrategy #CraftingThePerfectResume #JobApplicationStrategies #ResumeOptimization

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Are you ready to uncover the biggest retirement account mistakes? Join hosts wealth manager Lee Michael Murphy and career advisor Sergio Patterson in Episode 174 of The Free Retiree Show as they shed light on the common pitfalls to avoid when managing your retirement accounts.

In this lively and informative episode, Lee and Sergio walk you through the seven retirement account mistakes that can derail your financial future. From neglecting to fund your retirement accounts to being too conservative or aggressive with your investments, they leave no stone unturned.

But that's not all! Discover why understanding retirement plan benefits and saving enough for retirement are crucial steps towards a secure future. Gain valuable insights into the dangers of having friends or coworkers choose your investments and the significance of seeking professional advice.

What you'll learn in this episode:

• The importance of funding your retirement accounts and not relying solely on Social Security.

• The seven most common retirement account mistakes and how to avoid them.

• Strategies for saving enough and maximizing your retirement plan benefits.

• The perils of being too conservative or too aggressive with your investment choices.

• Why seeking professional advice is essential for a well-balanced and successful retirement journey.

Tune in to Episode 174 of The Free Retiree Show and arm yourself with the knowledge to make informed decisions about your retirement accounts. Don't miss out on this upbeat and educational discussion!

TheFreeRetiree #FinancialFreedom #Retirement #InterviewTips #RetirementStrategy #Episode174 #RetirementAccountMistakes #AvoidCommonPitfalls #SecureYourFuture

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Join hosts wealth manager Lee Michael Murphy, career advisor Sergio Patterson in this engaging episode of The Free Retiree Show. Discover valuable insights on effective communication strategies that can enhance your professional relationships with juniors, peers, and leadership.

In this episode, Lee and Sergio dive deep into the art of communication, providing practical tips and actionable advice. Learn how to treat juniors as equals, recognizing their valuable perspectives and accomplishments. Discover the power of active listening, fostering a culture of learning from those who are new and younger. Effective communication with peers is explored, emphasizing the importance of building trust and maintaining authenticity in your interactions.

When it comes to communicating with leadership, the hosts discuss strategies such as clearly articulating your needs and seeking help where necessary. They highlight the significance of respecting their time and being genuine in admitting your lack of knowledge or mistakes. Additionally, the importance of presenting solutions alongside problems is emphasized, promoting a proactive approach in professional communication.

What you'll learn in this episode:

• Treating junior co-workers as equals and valuing their insights

• Active listening and learning from younger colleagues

• Building trust and authenticity in peer-to-peer communication

• Strategies for effectively communicating with leadership

• Articulating your needs and seeking help where necessary

• Admitting mistakes and learning from them

• Presenting solutions alongside problems for effective communication

Tune in to Episode 173 of The Free Retiree Show and unlock the secrets to mastering effective communication in the workplace. Achieve financial freedom while cultivating a rewarding retirement strategy. Don't miss out on this insightful conversation filled with practical advice and actionable tips.

TheFreeRetiree #FinancialFreedom #Retirement #InterviewTips #RetirementStrategy #EffectiveCommunication #ProfessionalRelationships #CommunicationStrategies #WorkplaceSuccess

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In this episode of The Free Retiree Show podcast, we delve into the behaviors that can undermine investment success and hinder wealth accumulation. Join us as we explore the psychological traps and pitfalls that many investors fall into, and learn how to avoid them.

What you'll learn in this episode:

• The importance of viewing investments as a long-term commitment and understanding that true wealth accumulation takes time and patience. #FinancialFreedom #RetirementStrategy

• How fear and greed can drive impulsive investment decisions and the detrimental effects of making choices based on emotions. #TheFreeRetiree #Retirement #InterviewTips

• The dangers of overconfidence, especially when considering stocks or ventures as sure things, and how it can lead to significant losses. #RetirementStrategy #FinancialFreedom

• The value of patience in investing and how impatience can lead to panic selling or prematurely abandoning long-term investment strategies. #TheFreeRetiree #Retirement #RetirementStrategy

• The importance of diversification in investment portfolios, debunking the misconception that it is unnecessary, and exploring different levels of diversification. #FinancialFreedom #RetirementStrategy

• Insight into the concept of concentration in multiple companies rather than broad market diversification, inspired by legendary investor Warren Buffett. #TheFreeRetiree #Retirement #FinancialFreedom

• The drawbacks of lacking an investment strategy or philosophy and the perils of blindly following stock tips or recommendations without proper analysis. #RetirementStrategy #FinancialFreedom

• The dangers of chasing the herd and displaying biases towards certain stocks, including the potential risks associated with following trends without proper analysis. #TheFreeRetiree #FinancialFreedom

• The limitations and potential pitfalls of being a do-it-yourself investor, whether as a stock picker or a DIY enthusiast, and the importance of seeking professional guidance. #TheFreeRetiree #Retirement #FinancialFreedom

• Understanding the cognitive bias of loss aversion and its impact on investment decisions, including the psychological power of loss compared to gain. #RetirementStrategy #FinancialFreedom

Join us in this insightful episode of The Free Retiree Show as we uncover the behaviors that can sabotage investment success and provide valuable insights and strategies to help you become a more informed and successful investor.

TheFreeRetiree #FinancialFreedom #Retirement #InterviewTips #RetirementStrategy

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Welcome to The Free Retiree Show, where wealth manager Lee Michael Murphy and bestselling author Linda P. Jones discuss the exciting realm of cryptocurrency and shed light on the challenges and pitfalls that lie ahead.

In this episode, Linda P. Jones takes center stage, sharing her deep insights into the future use cases of cryptocurrencies. As the host of the top-ranked business and investing podcast in 2019, Linda brings a wealth of knowledge and expertise to the conversation. We also delve into Linda's groundbreaking book, "Three Steps to Quantum Wealth: The Wealth Heiress's Guide to Financial Freedom through Investing in Cryptocurrencies."

Join us as we navigate the current state of the cryptocurrency market, discussing its potential and the hurdles it faces. Throughout this episode, you'll gain valuable knowledge about the future use cases of crypto, tips to steer clear of crypto scammers, insights into the challenges that Bitcoin might encounter, and an exploration of the obstacles hindering widespread crypto adoption.

What You'll Learn in This Episode:

• The exciting future use cases of cryptocurrencies and how they can impact various industries.

• How to identify and avoid crypto scammers to protect your investments.

• The specific challenges that Bitcoin might face and how they could shape its future.

• The key obstacles and challenges that are currently impeding widespread crypto adoption.

Don't miss out on this engaging and informative episode! Tune in now to expand your understanding of cryptocurrencies and equip yourself with the insights needed to thrive in this dynamic financial landscape. Check out the latest episode of The Free Retiree Show today!

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Credit cards can feel like financial quicksand if mishandled, pulling you into seemingly insurmountable debt. If you're not careful, credit cards can lead to trouble. Yes, reckless spending and the enticing instant gratification they offer can lead to a spiral of debt that's hard to escape. But does it paint the complete picture of debt? Absolutely not, because not all debt is bad. In fact, if you use debt the right way, it can actually help you! 

In this week's episode of The Free Retiree Show, wealth manager Lee Michael Murphy uncovers the golden rules of utilizing debt. With credit card debt, you should always clear your bill in full each month. This is because credit card companies charge high interest on unpaid balances. If you only make the minimum payment, you'll pay more over time due to these interest charges. 

We will also discuss how debt can lead you toward increasing your wealth, whether helping you obtain the education needed for a higher-paying job, starting a business, or investing in real estate. We'll discuss what opportunities to look for and how to increase your savings and income through debt. Ready for a paradigm shift? It's time to understand the good, bad, and ugly surrounding debt. 

What can you learn from this episode: 

Why should you always pay off your credit card in full every month?
How can you use a credit card for emergencies? 
Overcoming financial struggles through an intelligent debt management 
Is good debt real for real estate investing? 
How do wealthy individuals utilize debt as a financial tool? 

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If you've ever wondered how to deal with difficult colleagues, you're in the right place. Unfortunately, some co-workers have a not-so-special gift of annoying us and making our work more complicated than it needs to be. The good news is that there are strategies that you can utilize with these challenging co-workers to repair and strengthen your relationship with them. Join career advisor Sergio Patterson as he shares tips to help you improve these relationships. Sergio also advises on becoming the co-worker that everyone gets along with and enjoys. 

In this episode, we'll discuss the importance of:

• Saying "Yes"
• Actively listening
• Communication
• Solving problems
• Bring positive energy
• Showing appreciation
• Demonstrating respect and empathy.

Fear not if you have a problematic co-worker that's making you stressed out. You're a download away from understanding how to turn these relationships around and understanding how to be the co-worker that everyone wants on their team.

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As another graduation season approaches, many are filled with joy at the prospect of leaving college and beginning to make money. However, it is essential to note that college graduation does not equal financial freedom.

Establishing a solid financial foundation is imperative who individuals who are starting their wealth-building journey, no matter what stage of life they are in. For those starting out, making the right financial decisions at the beginning of their wealth creation journey can make a difference in their economic future and impact whether they retire rich or poor.

In this episode, Lee shares expert tips to establish a financial foundation that helps you excel in your finances. Whether you're a recent college graduate, millennial, or retiree, there are valuable insights and actionable steps to take charge of your finances.

What you'll learn in the episode:

• How to establish your financial foundation.
• Why you need a substantial savings account.
• What to do with your 3 - 6 months of cash sitting in the bank
• How to be thoughtful and intentional with your money.
• Why you need more than a college degree to be wealthy.

Take advantage of this opportunity to gain valuable knowledge and take control of your financial future. Tune in now to hear Lee's expert advice and learn how to start building wealth today.

To learn more about our podcast, check out: https://linktr.ee/TheFreeRetiree

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Getting caught up in the excitement of purchasing your first home is easy, but this emotional rollercoaster can sometimes lead to hasty decisions and costly mistakes. With such a significant investment, it's crucial to consider various factors to ensure you make the right choice for your financial future.

When first-time homebuyers overlook essential financial considerations, they can face many challenges that jeopardize their financial well-being, overall satisfaction, and long-term goals. In addition, choosing the wrong location or an incompatible home type can lead to unhappiness and reduced quality of life. Buying a house you can't afford can put you in a difficult financial situation by making it difficult to save and cause you to struggle financially in your retirement.

If you're a first-time homebuyer and want to avoid these mistakes, we got you! In today's episode of The Free Retiree Show, wealth manager Lee Michael Murphy shares common mistakes first-time home buyers make. In addition, this episode provides invaluable advice on navigating the home-buying process's complexities.

What you'll learn in the episode:

1. How much should you prepare for a proper reserve?
2. What is the ideal credit score before buying a new home?
3. To look beyond the house's beauty and focus on its location.
4. The importance of getting a home inspection to identify potential property issues.
5. Find out how much you should spend on your monthly mortgage payment.

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Understanding the importance of having a clear vision and purpose paves the way for a successful and fulfilling journey in the professional world. By setting precise goals and remaining committed to them, individuals can navigate the challenges and uncertainties of the business landscape with greater ease and determination.

However, neglecting to acknowledge the "why" behind one's ambitions can lead to a lack of direction, motivation, and achievement. The absence of a guiding purpose can result in wasted resources, time, effort, and the potential deterioration of personal relationships and well-being. It is essential to recognize the driving force behind your aspirations in order to remain focused and resilient in the face of adversity.

Our guest today, Bashar J Katou, is a 7-figure Amazon FBA seller and the founder of BJK University. Bashar's journey began with a failed attempt at running a restaurant, inspired by the show "Bar Rescue," which left him not only with a ruined business but also a fractured relationship with his father. Determined to redeem himself, Bashar ventured into the world of Amazon FBA. After a rocky start, he invested in a course that set him on the path to success. Today, Bashar runs a thriving 7-figure Amazon FBA business. He also runs BJK University, which aims to impact the lives of 1 million individuals by providing them with the resources and support he wished he had at the beginning of his journey.

Tune in to this inspiring episode to learn valuable lessons from Bashar's experiences, including the significance of planning, and the power of understanding your why. Learn how to stay motivated and adaptable through business, career challenges, and setbacks. Don't miss out on this opportunity to gain insights that can transform your career and business aspirations into tangible success.

What you’ll learn in this episode:

• How to determine your purpose for career and business.
• Importance of discovering your "why" for an unshakeable purpose.
• How to craft a long-term vision for enduring success.
• Why should you focus on a single primary goal to drive progress?
• Tips for building a sustainable and resilient business.
• How to stay motivated and adaptable through challenges and setbacks.

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In an ever-changing world, the golden years of retirement seem like a distant dream to many. However, the key to a secure and enjoyable retirement lies in meticulous planning and steadfast discipline. Sustainable work practices are essential for ensuring a smooth transition into retirement. Adopting a balanced approach to work, incorporating self-care, and prioritizing mental and physical well-being will pave the way for a more fulfilling and enjoyable retirement. Furthermore, with increasing life expectancies, a volatile global economy, and rising healthcare costs, laying the groundwork for financial stability during our golden years is crucial.

We are thrilled to have the extraordinary Lynnette Khalfani-Cox as our guest in this week’s episode of The Free Retiree Show. A powerhouse in financial education, Lynnette co-founded TheMoneyCoach.net LLC in 2003 with her husband, Earl Cox. Lynnette's extensive background as a financial journalist and her Master of Arts in Journalism have culminated in a prolific career as an author, with 15 personal finance books to her name. Her New York Times best-seller, Zero Debt: The Ultimate Guide to Financial Freedom, has transformed countless lives. As a passionate advocate for wealth-building in African-American and communities of color, Lynnette leads by example, investing in stocks, mutual funds, ETFs, crypto, and real estate. She has shared her financial expertise in over 1,000 news and lifestyle TV segments such as Good Morning America, The TODAY Show, Dr. Oz, Dr. Phil, Oprah, The Steve Harvey Show, and Rachael Ray.

In this thought-provoking episode, we will explore the significance of sustainable work practices, planning for healthcare costs, and risks in retirement. Lynnette's invaluable insights on securing diverse income streams will empower you to build a solid financial foundation for your golden years. With her expert guidance, you will learn to navigate the choppy waters of retirement and sail smoothly toward financial freedom.

It's never too early or late to prepare for the retirement you deserve! Tune in with hosts wealth manager Lee Michael Murphy and career advisor Sergio Patterson.

What you’ll learn in this episode:

• Discover the power of community and social connections.
• Planning for income streams in retirement
• Why maintaining a healthy lifestyle is essential before retiring
• Sustainable work practices for long-term success
• Healthcare Costs and Risks in retirement
• Tips for leveraging technology for productivity and growth
• How to break the wealth gap and instill a positive wealth mindset in your kids

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The traditional linear career path has long been a cornerstone of professional success. However, the modern workforce is evolving, and so are our perceptions of what it means to have a fulfilling career. In this ever-changing landscape, the non-linear career path is emerging as a viable and rewarding alternative, offering unique benefits and opportunities that can enrich our professional lives.

A contemporary trend of non-linear career paths reshapes how we view professional development. As the rigid, ladder-climbing mindset gives way to a more fluid and dynamic approach, individuals are increasingly charting their unique paths. Over the years, everyone witnessed a lawyer turned entrepreneur, an engineer who transitioned into marketing, and a teacher who found their passion in software development. These trailblazers have expanded their skills and experiences by charting their own courses, creating unique, fulfilling career trajectories.

In this episode of The Free Retiree Show, career advisor, Sergio Patterson, delves into the benefits of embracing a non-linear career path. From cultivating a diverse skill set to fostering personal and professional growth, we'll explore how stepping off the beaten path can lead to a more satisfying and successful career. Learn how this unconventional approach can empower individuals to forge their way, tap into their passions, and create new opportunities in an ever-evolving job market.

What you’ll learn in this episode:

• The concept of a non-linear career path and how it differs from job-hopping
• How the non-linear career path is becoming the new normal
• The impact of the COVID-19 pandemic on people's values, priorities, and career choices
• The importance of saying yes to opportunities and raising your hand for projects
• The benefits of skill development and diverse experiences in different roles and companies
• The importance of being intentional in your career choices and taking strategic opportunities
• How diversity in your background can be highly sought after in the job market

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Tax filing deadlines for businesses sometimes catch employees and business owners off guard. However, tax season is upon us again, and it is essential to be prepared with the right strategies. Staying on top of your tax preparation throughout the year is necessary to file your taxes accurately and avoid any unforeseen problems regarding your personal or business finances.

Regarding taxes, most people are looking for ways to reduce their tax liability and save money. You may minimize your tax liability and keep more of your hard-earned cash by being knowledgeable on tax planning options, deductions, and potential credits that are available to you.

In this week's episode of the Free Retiree Show, Wealth Manager Lee Michael Murphy shares valuable tax strategies and tips. While none of the content provided is tax advice, Lee's expertise in finance has helped many individuals and businesses minimize their tax burden. Discover helpful tips on traditional IRA contributions, phase-out ranges, Roth IRA contributions, the benefits of having an HSA account, and more! By taking these proactive steps, you'll be better equipped to face tax season head-on and maximize your financial success. Tune in now.

What you'll learn in this episode:

• Contributing to retirement accounts, like traditional or Roth IRAs, can be a strategy for reducing taxes.
• Traditional IRAs may provide tax-deductible contributions
• How business owners can potentially benefit from accelerated depreciation on equipment or other assets
• How the benefits of Health Savings Accounts (HSAs) may give individuals a triple tax benefit.

Please note that the information provided in this episode is for educational and informational purposes only. It is not intended as legal or tax advice and should not be relied upon as such. We strongly recommend consulting with a qualified tax professional or accountant for personalized advice tailored to your specific financial situation. We do not assume any responsibility for actions taken based on the information provided in this episode.

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In 2023, many companies are facing layoffs due to various factors such as economic instability, technological changes, and market competition. According to recent data, over 1 million people have lost their jobs in the first quarter of the year. It's a scary environment for employees. In this uncertain time, it's essential to focus on what you can control, and that includes keeping your job.

Losing a job is a stressful and overwhelming experience. It's not just about losing your source of income but also your sense of identity and purpose. Many people fear being fired because it can impact their self-esteem, career prospects, and social status. Others may worry about their financial obligations, health insurance, and retirement savings.

In this week’s episode of The Free Retiree Show, career advisor, Sergio Paterson, outlines practical tips on how to keep your job and stand out in a competitive work environment. Learn the importance of managing up, building a strong relationship with your manager. And the importance of proactively seeking feedback, taking on new challenges, and identifying solutions to company problems, you can demonstrate your value and potential for growth.

Learn how to navigate the challenges of a changing job market, enhance employability, and increase job security. Whether you are a recent graduate, mid-career professional, or senior executive, this episode provides actionable advice on how to keep your job and thrive in your career.

What you’ll learn in this episode:

• The current state of layoffs in companies as of 2023.
• Tips on how to keep your job by developing a unique skillset, being consistent, managing up, and building strong relationships.
• The importance of being proactive and asking your manager what you can do to help solve problems and demonstrating your value.
• The benefits of being known as a consistent and reliable employee who can be counted on to deliver great work.
• The significance of networking and building strong relationships with coworkers and colleagues to increase your value and protect your job.
• The value of investing in learning new skills and using online resources such as Udemy, Coursera, and LinkedIn Learning.
• Strategies for standing out from the crowd and making yourself indispensable to your employer, such as taking on tough projects and being willing to work on the less glamorous aspects of a job.
• The importance of being prepared for potential layoffs and having a clear understanding of your skills and value in the job market.

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The automotive market has been a rollercoaster in recent years, with people eagerly seeking their dream car amidst supply chain challenges, chip shortages, and rising prices. As the car market begins to stabilize, the excitement around car buying continues to grow. But before you jump into a purchase, it's crucial to make an informed decision.

In today's fast-paced world, it's easy to get caught up in the excitement of buying a new car without considering the long-term implications. Remember, a car is more than just a shiny object. It can be an investment, significantly impact your cash flow, and it must be approached with many other considerations in mind. Understanding the current state of the automotive market and assessing your financial situation are crucial steps in making a responsible decision.

In this week's episode of The Free Retiree Show, our hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson discuss the state of the auto market, what you need to consider before buying a new car, and how to calculate the ideal auto payment.

Tune in to this episode of The Free Retiree Show to gain the confidence and knowledge you need to make a wise and informed decision about your next auto purchase.

What you’ll learn in this episode:

• The state of the auto market and whether it's the right time to buy a car
• Factors to consider before purchasing a car, such as budget and affordability
• The impact of the pandemic on the supply chain and chip shortages in the auto industry
• Changes in how loans are structured and the potential for repossession
• What to do if you're struggling to make your car payments.

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Property prices are starting to decline. Will the current trend continue, or will we see a rebound in prices? What factors will impact real estate prices in 2023?

The housing market has experienced its fair share of ups and downs. It can be tough to know whether or not you're making the right decision when buying a home. With the current state of the housing market, it's vital to be well-informed and prepared to ensure that you make the best decision for your financial future. From mortgage rates to inventory levels, many things can impact your home-buying experience.

In this week’s episode of The Free Retiree Show, wealth manager Lee Michael Murphy shares the key factors you need to consider when buying a property in 2023. Discover how to navigate the current housing market conditions and provide tips for finding the right property at the right price. Whether you're a first-time homebuyer or an experienced investor, this episode will provide valuable insights to help you make informed decisions and achieve your homeownership goals.

What you’ll learn in the episode:

• Current real estate updates and data
• What to consider when buying real estate in 2023
• Residential real estate supply
• Is the real estate market going up or down?

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Building a solid personal brand is crucial for professionals seeking to establish themselves in their industry and attract new opportunities. When you engage in personal branding, you show and promote a name for yourself in the marketplace, distinct from your competitors. As a result, personal branding can unlock new professional opportunities and help build your network.

We all know that in today's fast-paced world, attention spans are short, and competition is fierce. That's why it's crucial to produce content that stands out from the crowd and leaves a lasting impression. By creating valuable content that resonates with your target audience, you can establish yourself as a thought leader, showcase your skills and expertise, and attract the attention of potential employers or clients.

As a career coach and branding specialist, our guest, Katelyn Richards, is passionate about helping top talent build their brand to unlock their dream opportunities. Katelyn founded Career Crafter's Community and is a certified personal brand strategist.

In today's episode of The Free Retiree Show, Kately dives into the art of creating high-quality content that showcases expertise and helps build a personal brand, and lands you new opportunities. In addition, discover the best posting frequency and content pillars to increase LinkedIn visibility and engagement.

What you'll learn in the episode:

• The benefit of being authentic on LinkedIn
• How did LinkedIn's personal branding shift from professional to personal?
• The best posting frequency and pillars for your personal brand
• Tips on content creation for your personal brand

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As we move into March, there's a lot happening in the economy that investors should keep an eye on. With reporting season in full swing, we're seeing how the economy is performing.

While there are challenges to be aware of, such as company layoffs and high rates, there are also opportunities for investment. With significant valuation cuts and discounts, now is the time to take action and invest in companies with strong revenues, innovation, leadership, and network effects.

Looking for insight into the current economic climate and what it means for your financial future? In this week’s episode of The Free Retiree show, wealth manager, Lee Michael Murphy breaks  down the latest news on corporate profits, the Fed, and the economy, providing a clear understanding of what to expect in the coming months.

What you’ll learn in this episode: 

• Is the economy weak or strong?
• Economy market trends for 2023
• Can we expect a decline in inflation rates?

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Have you ever heard of the term "financial bubble"? It's a situation where the prices of assets such as stocks or real estate rise rapidly due to speculation and hype rather than their intrinsic value. When the bubble bursts, it can lead to significant losses for investors. Financial bubbles tend to follow a typical pattern, and understanding the stages can help you avoid them. By learning from the lessons of the Crypto bubble and the 2008 Global Financial Crisis, everyone can make informed decisions about emerging investment opportunities.

In today’s episode of The Free Retiree Show, wealth manager, Lee Michael Murphy shares how to spot and avoid financial bubbles. Find out the warning signs, such as high levels of speculation, overconfidence, and the disconnect between asset prices and their underlying value. By learning to recognize these warning signs, you can take action to protect your investments.

This is a valuable episode you shouldn’t miss! 

What you’ll learn from the episode: 

• Tips on spotting financial bubbles
• How to avoid financial bubbles?
• Why should you not give in to investment FOMO?

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One of the most common reasons for divorce is financial issues. Many people want the "right person" in love. The right individual is gorgeous, kind, shares just enough interests, gets along with our friends and family, and makes us feel special. However, the majority of people fail to take financial responsibility into account when making long-term relationship decisions. Every couple needs to have a conversation about money, including who will be responsible for which bills, whether they will have separate or shared bank accounts, the limits on each person's expenditures, and common financial goals.  Marriage can suffer if financial issues spiral out of control.  Financial concerns can destroy wealthy and indebted relationships alike. 

In this week’s episode of The Free Retiree Show, financial advisor, Lee Michael Murphy, shares a rundown of the most typical money problems that married couples face. Tune in so you can work towards a better relationship with your significant other.

What you’ll learn in this episode:

• Should you have a joint or separate account with your spouse?
• Common financial problems that lead to couples separating.
• Why is transparency essential in marriage finances?

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Looking for a new job opportunity? If so, be careful! Households lost hundreds of millions of dollars in 2022 from job-hiring scams. Scammers are creating false job postings in which they appear as legitimate employers in an effort to obtain sensitive personal information.

Scammers are utilizing online job services, such as LinkedIn to portray themselves as hiring managers and recruiters. The inclusion of recognizable brand names and utilizing the identity of real hiring managers has been a common tactic of scammers.

While some fake job postings are easy to recognize, others can look very authentic.  How do you determine whom to trust? Career coach Sergio Patterson shares simple precautions that should help you avoid falling victim to fake recruitment scams. Learn tips on how to stay vigilant while job searching.

What you’ll learn in this episode: 

• How to protect yourself from recruitment scams.
• How to spot a recruitment invitation that looks authentic, but that is fake.

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Warren Buffett is widely regarded as one of the most successful investors. His investment advice has stood the test of time.  

Warren Buffett's company, Berkshire Hathaway, has acquired a fortune in the billions of dollars.

With the New Year just starting, it's a good time to reflect and create resolutions. One of the best things to consider for 2023 is investment resolutions. Informed investors make better investment decisions. There is no unique trick you need to master to invest like Warren Buffett. However, many new investors are taken aback by the simplicity of the Oracle of Omaha's investment approach. We've lost count of the amount of investing mistakes we've made over the years, but almost all of them fall into one of Warren Buffett's ten investment tips. 

In this week’s episode of The Free Retiree Show, wealth manager, Lee Michael Murphy, shares Warren Buffett’s 10 Ways to Get Rich. Kick off the new year with new and compelling investment strategies! 

What you’ll learn in the episode: 

• Warren Buffett’s top 10 tips to get rich
• Why is it important to calculate risk when investing?
• How persistence can do wonders to your investing outcome.

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Due to the fast-paced nature of the workplace and the integral role that technology plays in it, the recruitment process is always evolving. Technological and automated recruitment trends will profoundly impact  finding and attracting new employees in the future. 

In this episode of The Free Retiree Show, the hosts sit down with Matty Gregg. Matty worked at Apple for 13 years and lead projects such as Apple Pay, Apple Card, and Apple Transit. He now focuses on the talent intelligence industry and specializes in turning HR teams from tactical to strategic workforce partners. He is now the Vice President and Head of Talent Management of First Republic Bank. 

Matty explains the current workforce trends and future of recruitment, and what separates elite candidates from the good candidates. With hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson, join this week’s episode of The Free Retiree Show. 

What you’ll learn in the episode:  

• The future of hiring
• What are the recruiting managers looking for when filling a position?
• What separates elite candidates from the good candidates?

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The housing market saw extreme volatility in 2022 due to rising interest rates and rapid price increases. This 2023, mortgage rates are predicted to rise even more before trending back down, creating difficulties for both buyers and sellers. Many homeowners, prospective sellers, and potential homebuyers are worried due to rising mortgage rates, slowing house sales, and market uncertainty.

Fewer home sales, lower prices, and higher mortgage rates are what most experts in the real estate market anticipate. Real estate values could go down, but probably not as much as they did in 2008. Home sales are expected to remain sluggish this year. For many first-time house buyers, 2023 will be a delayed dream rather than a celebration, as home costs exceed their budget and income.

Is 2023 the time to buy another real estate property, given the rising cost of housing brought about by inflation and interest hikes? And if you delay, could you be priced out of the market completely?

In this week’s episode of The Free Retiree Show, wealth manager Lee Michael Murphy shares 2023 predictions for the real estate market. Get advice on the best time to invest in housing this year.

What you’ll learn in the episode:

• What will the housing market look like In 2023?
• Should you buy a house now or wait?
• When will rates decline in the housing market?

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The working environment has radically changed. 2022 was a year marked by rising inflation, declining company valuations, and significant cultural shifts experienced by both businesses and their employees. In 2023, businesses will face new obstacles, such as accelerating unemployment, and mounting cost pressures. What the new normal will be and how to incorporate lessons learned from the pandemic are challenges employers and workers alike must face. It's important to anticipate shifts so workers can prepare.  As we begin a new year, what are the most prominent workplace trends that we can expect this 2023? 

In today’s episode of The Free Retiree Show, career advisor, Sergio Patterson, shares the top three workplace trends for 2023. Be updated on what's happening in today's workplaces to give you a better grasp of the efforts that are shaping the modern workplace.  

What you’ll learn from the episode: • Workplace trends you should watch out for this 2023 

• Why is mental health wellness so important for today’s workplace?
• How can working from home change an employee’s work-life balance?

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As we welcome 2023, there’s so much uncertainty in the economy, but one thing you can control? Your investment strategies. Successful investors don’t get created overnight.  It takes time and patience, not to mention trial and error to learn the ins and outs of the financial world and your personality as an investor. 

With 2022's market pains behind us and 2023's opportunities ahead, investors would be wise to proceed with caution and a long-term outlook. It's easy to get distracted by the buzz surrounding a "hot stock" or "trendy new investment option," but remember that building wealth through investing takes time and requires a well-rounded portfolio. Investing is not a game of "luck" or a means to "become rich." It's crucial to your long-term monetary security. 

Let’s start 2023 fresh and equipped! In this week’s episode of The Free Retiree Show, wealth manager, Lee Michael Murphy reveals the steps to becoming a successful investor in 2023. Be a wiser long-term investor as we commence this year. 

What you’ll learn in this episode: 

• Steps to become a successful investor in 2023.
• Why should you purchase real estate investments now?
• Mindset every successful investor must have when investing.

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If you're tired of seeing your bank account balance go down, it's time to figure out why that keeps happening. “Why am I broke?”  If you ponder this question on a monthly basis, you are not alone. With sustained inflation eroding wage gains, the proportion of Americans living paycheck to paycheck has risen to a near-historic high of 63%. 

The reality is that many people will never achieve their financial goals, but not because they can't. Anyone with the correct mindset and behaviors can do it. However, many unintentionally behave in ways that hurt their finances.  Building wealth requires hard work, preparation, consistency, discipline, accountability, and solid money management, regardless of your financial condition or income. 

In this week’s episode of The Free Retiree Show, wealth manager, Lee Michael Murphy, outlined 10 common money problems that keep people broke. Consider these possible reasons for your financial difficulties and evaluate what you can do to improve your situation.

What you’ll learn in this episode:

• Common reasons why people are broke
• Tips on how to stop living paycheck to paycheck
• Are life and health insurances worth it?

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No two recessions are alike. Whether or not the US economy is entering a recession is a topic that has been . In any case, the United States and the world economy are experiencing a time of significant stress, regardless of whether or not the National Bureau of Economic Research formally declares a recession. 

The economy shrunk for two straight quarters in Q1 and Q2 of this year, and the construction of new homes has also drastically decreased. A recent drop in consumer confidence and an uptick in layoffs have caused a great deal of concern. There is increasing speculation if we’re experiencing the next Great Financial Crisis. 

In this episode of The Free Retiree Show, wealth manager Lee Michal Murphy compares the differences between the Global Financial Crisis of 2008 vs. the 2022 economic downturn. Discover the difference in different areas of macroeconomic metrics. Join us as we evaluate the labor market, housing shortage, consumer sentiment, and more. 

What you’ll learn in this episode: 

• Differences between the volatility of 2022 and the Great Recession of 2008
• How to prepare in the event of a recession?
• How strong is the real estate and labor market this 2022?

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Layoffs and hiring freezes are growing rapidly, but the labor market is still strong. Some workers are implementing a new concept called "career cushions" to prepare themselves in case of an unexpected job loss. According to LinkedIn statistics, members added 365 million skills to their profiles in 2022, which is a 43% increase from the previous year.

Many employees are "career cushioning," which means they actively seek new employment opportunities and plan to transition out of their current position as soon as possible. The term cushioning is borrowed from the dating approach that involves considering other choices to soften the shock of a breakup. In the workplace, this expression means preparing for the unexpected by keeping your options open and ensuring you have a safe place to land. Career cushioning includes preventative measures, like updating one's skill set, networking, and applying for open positions.

In this week’s career advancement edition of The Free Retree Show, career advisor Sergio Patterson shares how career cushioning can help you prepare for a job loss. Get tips on how to safeguard your career through career cushioning!

What you’ll learn in this episode:

• How can career cushioning help you prepare for a job loss?
• Tips on finding better career opportunities
• How did career cushioning replace quiet quitting
• How to protect yourself from job loss while creating new opportunities in your career

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Each person has a unique perspective on wealth and financial success, influencing their choices with their own money. Adopting a sound and optimistic money attitude is crucial if you want to achieve your financial and life ambitions. But that's not always easy, when you feel like you're constantly in debt and have nothing left over after you pay your bills.

A positive wealth attitude takes time. Maintaining an open and adaptable mindset, discipline, and having unwavering commitment to your financial goals is needed. Beliefs have power over our reality. So how do we cultivate a wealthy mindset for financial stability?

We are honored to be joined by mentor & advisor to ambitious professionals, visionary entrepreneurs/business builders & wealth creators, Ron Malhotra. Ron's mission in life is to encourage others to THRIVE and provide them with the tools they need to achieve their full potential in terms of influence, success, and wealth. Ron is a best-selling author of the books Eight Wealth Habits of Financially Successful People and Indoctrinated. In this week’s episode of The Free Retiree Show, Ron shares the important connection between psychology and wealth. Learn how to develop a powerful mindset when it comes to creating wealth. He also shares three things you must do to overcome the problem of not acquiring financial literacy earlier.

What you’ll learn in this episode:

• The important connection between psychology and wealth
• How to develop a powerful mindset when it comes to creating wealth
• Importance of financial literacy in our lives

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Each person has a unique perspective on wealth and financial success, influencing their choices with their own money. Adopting a sound and optimistic money attitude is crucial if you want to achieve your financial and life ambitions. But that's not always easy, when you feel like you're constantly in debt and have nothing left over after you pay your bills.

A positive wealth attitude takes time. Maintaining an open and adaptable mindset, discipline, and having unwavering commitment to your financial goals is needed. Beliefs have power over our reality. So how do we cultivate a wealthy mindset for financial stability?

We are honored to be joined by mentor & advisor to ambitious professionals, visionary entrepreneurs/business builders & wealth creators Ron Moharta. Ron's mission in life is to encourage others to THRIVE and provide them with the tools they need to achieve their full potential in terms of influence, success, and wealth. Ron is a best-selling author of the books Eight Wealth Habits of Financially Successful People and Indoctrinated. In this week’s episode of The Free Retiree Show, Ron shares the important connection between psychology and wealth. Learn how to develop a powerful mindset when it comes to creating wealth. He also shares three things you must do to overcome the problem of not acquiring financial literacy earlier.

What you’ll learn in this episode:

• The important connection between psychology and wealth
• How to develop a powerful mindset when it comes to creating wealth
• Importance of financial literacy in our lives

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How many milestones have you set for yourself? Hundreds of goals? Thousands of goals? How many of these goals have you actually achieved?

No matter how you look at it, success is difficult. Almost every successful person you know of got where they are today through relentless effort, laser-like focus, and unwavering determination. Sadly, 70% of goal-setters don't succeed in doing what they set out to do. A variety of factors can hold people back from achieving their goals or living the lifestyle they desire. Hard work is one of the most essential factors for achieving success, but it would be unwise to assume that it is the sole requirement. There’s hope! In order to attain success, there are things people must prevent and let go of.

With 20 years of experience in success coaching, Michael Mints is the perfect guest for this week’s topic. Michael helps executives and professionals break through ceilings that have held them back because success takes more than just hard work. With his strategy, he uncovers the potential of every person, to dominate their career and life.

In this week’s episode of The Free Retiree Show, Michael shares the factors that prevent people from achieving success. Learn how being intentional and having a plan can help you on the road to success ,and the importance of why you should celebrate success.

What you’ll learn in this episode:

• Factors that prevent people from achieving success
• How intentionality can help you on the road to success
• The importance of committing to a routine
• Why and how you celebrate small and big successes

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A wave of layoffs has swept across American businesses in 2022. Tech companies as big as Netflix, Meta, Twitter, and Google have slashed their workforce this year, and the once invincible real estate market is also starting to show signs of weakness. 

Businesses fail, industries dry up, and market demands shift.  It's time to realize that putting your job security in the hands of your employer isn't the best choice. It's time to begin banking on yourself for job stability, regardless of the sector you work in or how secure your business appears to be right now. 

The first thing to keep in mind if your company announces layoffs is to remain calm. Although being laid off is traumatic, now is the time to focus on building your professional network and developing your skills. In today’s episode of The Free Retiree Show, get updated with the status of the current job market. Learn the best practices to be prepared for possible layoffs. 

What you’ll learn in this episode:

• Which companies will be downsizing
• How to be proactive and not reactive during layoffs
• Tips to rebound after losing your job
• Signs that your company may be slashing workers

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Over the past several years, digital currencies have become increasingly important to the portfolios of both individual and institutional investors. Cryptocurrency investments have a high degree of uncertainty, but some projects have a promising future.

Despite the rising popularity of Bitcoin and other cryptocurrencies, there are certain important facts you should know before putting your money into them. The value of even the most popular cryptocurrencies has been erratic. The market needs increased transparency, consumer safeguards, and regulation.

Erica Standford joins our hosts in this week’s episode of The Free Retiree Show. She is the founder of the Crypto Curry Club, the UK's no. 1 rated networking and educational events for crypto, blockchain and FinTech. Erica is also the author of the bestselling award-winning book Crypto Wars: Faked Deaths, Missing Billions and Industry Disruption.

She shares the common cryptocurrency scams and how to avoid them, and gives an update on the current status of cryptocurrency and what you should know if you are considering investing in the space.

What You’ll Learn In This Episode:

• Is cryptocurrency a good investment?
• The most common cryptocurrency scams.
• Preventive tips to avoid cryptocurrency scams.
• How to protect yourself from common financial scams.

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The ballooning federal student loan debt of over 45 million borrowers is putting a heavy toll on the middle class in the United States. Borrowers in the middle class face challenges in accumulating wealth due to high monthly payments and growing debt, which makes it more difficult for them to do things like buy homes, save for retirement, and establish businesses. 

In this week's episode of The Free Retiree Show we have student debt attorney, Joshua Cohen. Josh explains the recent developments surrounding student debt forgiveness, and gives some invaluable advice to those who are having difficulty repaying their school loans. Joshua also shares advice on student debt forgiveness eligibility requirements.

Tune in to The Free Retiree Show! With hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson, join this week’s episode of The Free Retiree Show.

What you’ll learn in this episode: 

• What do you need to know about Biden's student loan forgiveness plan?
• Should you still apply for student loans?
• Who is eligible for student loan forgiveness?
• Effects of the new student forgiveness plan on the middle class.

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No one wants to be average. Most people aim to be above average and achieve greater things. The major problem is that most people don't know how to be above average. People always look up to high achievers. There are a number of characteristics shared by people who consistently achieve their goals. Society tells us that if we put forth maximum effort, success will follow. Is this true or just a saying that justifies all the time and energy we put into our careers?

What is it that sets the most successful people apart from the rest of the pack? If you answered "hard work," "natural ability," or "luck," you should reconsider your answer. Working hard, having natural abilities, and even having some luck on your side are all critical, but they're only pieces of the success puzzle. Numerous studies over many years have shown that it is not so much a person's inherent abilities that allow them to succeed, but rather their actions and mindset.

We are honored to have Dr. Ruth Godian on The Free Retiree Show. She is the Mentoring Academy's Executive Director, former Assistant Dean of Mentoring, and Assistant Professor of Education in Anesthesiology at Weill Cornell Medicine. As a current contributor to Forbes and Psychology Today, she writes about how we can optimize ourselves for success. She is a semi-finalist for Forbes' 50 Over 50 list and was one of only 30 people in the globe to make Thinkers50's Radar List in 2021. She has also received various mentorship honors. She is the author of the best selling book, The Success Factor: Developing the Mindset and Skillset for Peak Performance.

After coaching prolific high achievers, Dr. Ruth shares how highly successful people set themselves apart from the crowd, the importance of mentorship and how to become above average.

This is a value-packed episode you shouldn’t miss! Listen now.

What you’ll learn in this episode:

• Tips from high achievers
• Why mentorship is a requirement for success
• How to find your passion
• How to rise above mediocrity
• Similarities of highly successful people

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When it comes to professional networking, LinkedIn is by far the most prominent and widely used platform.  It's no secret that using LinkedIn will help you land a job faster; the site has over 800 million users and 99% of recruiters use it daily to discover the next promising candidate. 

Developing your personal branding is vital in today’s job market. A simple approach to getting your name out there in the professional world is to optimize your LinkedIn profile. Create an engaging LinkedIn summary that highlights your abilities and showcases your personality and upload a professional profile picture.  Recruiters, employers, coworkers, and managers should be able to learn a lot about you and what abilities you bring to the company by just reading your profile. 

If you want to know more about the career and networking opportunities LinkedIn has to offer, tune in as career advisor and LinkedIn Senior Program Manager, Sergio Patterson shares the benefits of optimizing your LinkedIn profile. Discover how LinkedIn can help speed up your job-hunting process. 

Listen now to The Free Retiree show!

What you’ll learn in this episode:

• Benefits of LinkedIn for your career
• How to find more job opportunities in LinkedIn
• Tips for building a solid professional networking with LinkedIn

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With the new year approaching, there is no better time to review your finances and make the necessary adjustments to ensure you're on the right track for 2023. The big question is whether or not economic conditions improve or worsen in 2023.

The Fed has rapidly raised interest rates to make personal loans and credit cards more expensive. As borrowing costs rise, consumers may cut back on spending, lowering demand and preventing it from exceeding supply. It may take some time for the Federal Reserve's activities to impact consumer spending. 

Inflation may be more manageable sometime in 2023, but we are obviously not there yet. Therefore, the best thing consumers can do for the time being is to reconsider their spending and cut back on non-essentials while simultaneously seeking ways to save on necessities.

Tune in to The Free Retiree show and stay updated on what you should expect from the economy and your investments in 2023!

What you’ll learn in this episode: 

• Bad and good things to expect in 2023 economic status
• Will unemployment worsen in 2023?
• Tips for preparing your finances for the upcoming year
• Mistakes to avoid when investing in 2023

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Currently, there are over 30 million small enterprises in the United States, and that number is growing rapidly. However, not all new businesses survive. In fact, an overwhelming majority of these small businesses will fail in the first five years.

There are several reasons why a business could fail, including the state of the economy, the absence of a viable product, ineffective marketing, and poor management. This is why it's important for new business owners to be familiar with the procedures involved in launching a company so that their venture is properly positioned for success. Starting a successful business isn't about luck, finding angel investors, or finding the perfect motivational quote to post on Instagram.

To help aspiring business owners thrive in their venture, The Free Retiree Show hosts venture capital podcaster and influencer, Grace Gong. She is the founder of Smart Venture Capital. She has done many interviews with the top-level executives of Silicon Valley like Craig Newmark - Founder of Craigslist, Chris Slowe - CTO of Reddit and Todd Kaplan - CMO of Pepsi. Grace is also the author of the Last Keys Success Interview with 21 Founders featuring the Forbes 30 under 30.

In this episode of The Free Retiree Show, you’ll learn three success tips from high-caliber business owners. Discover the mistakes you should avoid in a business venture. Dive deep in the promising opportunities of crypto and web 3.0 !

What you’ll learn in this episode:

• Three success tips from successful multi-millionaire business owners
• Three mistakes to avoid when starting your business
• Tips for international immigrants on how to find their own journey of entrepreneurial success
• The possibilities of crypto and web 3.0

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Layoffs and hiring freezes are expected in a troubled economy. Changes in the economy force companies to adjust their workforce. According to a late September Crunchbase News tally, more than 42,000 workers in the U.S. tech sector have been laid off in mass job cuts this year. Even big companies like Netflix were impacted.

It's not surprising that a lot of employees are concerned about losing their job. The loss of one's job can be a devastating experience for many people. Planning ahead for a possible layoff makes it easier to find new work and less impactful to your finances.   The economy and the job market are highly unpredictable, and while it's tough to know for sure who will be laid off,  taking precautionary actions as early as now is beneficial. 

Whether you’re suspecting layoffs in your company or received a layoff letter, career advisor, Sergio Patterson shares the 3 tips to prepare for job loss. Be updated with the current situation of the job market during this economic downturn. 

Tune in to The Free Retiree Show! 

What you’ll learn in this episode: 

• 3 tips to prepare for a recession
• Current job environment during the economic downturn
• Importance of networking and updated resume to attract new jobs easily

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Livelihoods are vulnerable during an economic downturn. A recession is beyond your control, but you can take charge of how you respond or prepare for a recession. It's always a good idea to put yourself in the best possible financial position. The best way to combat personal financial decline during a recession is to be proactive.

In order to weather a potential economic downturn, it is essential to save some money in the event that you suddenly lose your job or receive a significant reduction in income. If money is tight right now, look at your budget to see where you can cut back on non-essential expenses like entertainment, trips, or dining out. Staying on top of your finances provides a safety net to fall back on whether your hours have been cut, you've lost your job, your business isn't earning any money, or you've made some poor financial mistakes. Before the next financial downturn hits, make sure to follow these steps to recession-proof your finances.

In this week’s episode, wealth manager, Lee Michael Murphy shares seven strategies you can do to protect your money during a recession. He also shares the importance of taking advantage of the current economic condition by investing.

Tune in to The Free Retiree show!

What you’ll learn in this episode:

• Five money-saving tips to survive a recession
• Should you invest during a recession?
• How to cut back on your finances during this economic downturn?

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With the stock market in disarray, interest rates at record highs, and the pain of inflation, many Americans are wondering if the economy is in a recession. How can we tell if we’re in one? The country is technically in a recession when its GDP decreases for two consecutive quarters. According to the Bureau of Economic Analysis' advanced estimate, GDP fell 1.6% in Q1 and 0.9% in Q2. Despite the overwhelming evidence, the National Bureau of Economic Research has not yet declared a recession. As the cost of living continues to rise, interest rates increase, and layoffs multiply. However, the job market and corporate earnings numbers appear strong.

There has been a significant slowdown in the real estate market, income and spending are struggling to keep up with inflation, and layoffs have begun to increase. Is the United States in recession?

In the new episode of The Free Retiree Show, Wealth manager, Lee Michael Murphy gives the current economic update for September 2022. Discover the risk of a potential economic downturn or recession and how long it will last. Learn how to stay wise and calm despite the economic weakness.

Tune in to The Free Retiree Show!

What you’ll learn in this episode:

• Is the United States in a recession?
• How long will the recession last?
• What is the economic update as of September 2022?
• How bad is the current market?
• How to stay calm and wise during this economic period?

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The impression on your job interview can sometimes outweigh your credentials and strong educational background. Candidates are assessed not just on their education and work history but also their demeanor, social skills, and communication abilities. 

Whether you are searching for an entry-level job or a managerial position, you will likely need to go through an interview process. A job interview is a chance to showcase your skills and experience to a potential employer. Therefore it's crucial that you produce a stellar performance. 

Wondering how to ace that upcoming job interview? Career advisor and LinkedIn’s Senior Program Manager, Sergio Patterson, outlines five Cs to remember during a job interview. Learn how to stand out, build rapport with the hiring manager, and make an impact. 

Tune in to the recent episode of The Free Retiree Show! 

What you’ll learn in this episode: 

• 5 Cs to succeed in your next interview
• How to avoid being nervous during a job interview
• Importance of preparation in job interviews
• How to make an impact and be memorable for the hiring manager

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Whether your love or hate social media, it’s here to stay. More than 33% of consumers have asked investment companies and financial advisors about the information they have discovered on social media. Scammers and fraudsters can now more easily take advantage of consumers seeking financial advice online because of the latest FinTok or MoneyTok fad on social media sites like TikTok. Social media is also rife with bogus influencer endorsements of financial items, leading to consumer losses. One fraud involves promoting dangerous investments on social media.

Making wise financial decisions involves understanding that the need for financial advice is a complex topic that requires a professional planner to get it right. Tons of social media content is entertaining and educational, but users are typically chasing fame and subscribers. If that involves sharing questionable tips or clickbait promising get-rich-quick videos, it’s time to assess if they have the credibility to walk their talk. Nothing beats finding a qualified financial planner and creating a relationship with them.

In this week’s episode of The Free Retiree show, discover the nine dangers of relying on social media for financial advice. We also give tips on how to scam-proof your financial decisions.

Join our hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson and attorney Matthew McElroy. Tune in to this week’s episode of The Free Retiree Show.

What you’ll learn in the episode:

• Risks for financial advice in social media
• Why is it important to hire a professional advisor than believe someone in social media
• Factors to consider before believing in a promising financial video in social media
• Dangers of relying on social media for financial advice
• How to assess and stay more vigilant with social media financial scams

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Career clarity is the most important yet overlooked aspect of job searching. Maybe you've hit a roadblock in your professional life and are uncertain if you're in the right job.

We all face career uncertainty at some point, regardless of where we are in our journey or how much experience we have, choosing a profession can be both thrilling and terrifying. It might be exhausting and upsetting to realize you need a career change but aren't sure what to do next.

It is essential to have a clear vision of who you are, and where you want your career to take you. If your career path has taken a turn into the wrong direction, you can always reroute!

To help you find the right job, Career coach, Shelley Piedmont, SPHR, SHRM-SCP. She have worked with Fortune 500 companies, and small, private businesses. Throughout her 20 years of career in Human Resources, she helps other people to understand what career goal they truly wat. She provides an effective job search plan for the career you love.

In this week’s episode of The Free Retiree Show, Shelley shares the best tips in finding your perfect job and how to land in your dream job with a process called UMAP.

What you’ll learn in the episode:

• How to gain career clarity
• How to assess if you’re in the right job
• Why value alignment with your work and company is vital
• How not to be stuck in your career

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We look up to high achievers. They are prepared to go above and beyond to make things happen. Do you wonder how these individuals manage to reach levels of achievement most of us just dream about ? They are in charge of the most effective teams, produce remarkable results, and are regularly promoted. You're having a hard time and wondering what you need to do differently.

These individuals undoubtedly encountered many difficulties on the road to success too. But what’s their secret to triumphing over adversity? It turns out that the mindsets and processes of high achievers are unique. Fortunately, our potential for success is not predetermined. The ability to do more is a mindset that may be developed.

Educator and social scientist who analyzes the characteristics of successful people, Dr. Ruth Gotian, reveals the four attributes of high achievers. Discover how these critical characteristics are necessary for accomplishing your goals! In this episode, we discuss the certain traits and outlooks that set high achievers apart from others.

Join our hosts, career adviser Sergio Patterson and wealth manager Lee Michael Murphy in The Free Retiree Show.

What you’ll learn from the episode:

• Four success factors of high achievers
• How high achievers think differently
• Getting into the mindset of a top achiever can lead to success

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How frequently do you think about leaving your job? You don't have to love your job, but it shouldn't make you unhappy on a regular basis. If finding happiness at work seems impossible, you may be trapped in a toxic workplace culture or a job that is not a good fit for you.

While some of us may view monetary compensation as equivalent to job satisfaction, others may seek external validation for efforts and become dissatisfied when companies fail to provide it. Having a positive working environment is essential in keeping employees.

Additionally, maintaining a healthy work-life balance can be challenging. Recognizing the symptoms of stress and anxiety at work and developing strategies to deal with them is essential. Mental health can have a significant impact on an employee’s performance.

Helping people combat limiting beliefs and advance in their career, Kyle Elliott, MPA, CHES coaches C-suite executives, business leaders, start-ups, and many more. He has helped direct reports of Mark Zuckerberg (Meta), Reed Hastings (Netflix), and other prominent people reimagine and recreate their careers and lives. As a results-oriented coach, his clients have landed their dream jobs with big companies like Apple, LinkedIn, Paypal, Google, and Amazon.

In today’s episode, Kyle emphasizes the importance of having a happier working environment. He also shares tips on how to protect your mental health at work.

Join our hosts, career adviser Sergio Patterson and wealth manager Lee Michael Murphy, in The Free Retiree Show.

What you’ll learn in the episode:

• Importance of job satisfaction
• Tips for being happy at work
• Importance of mental health in the workplace
• Signs of a toxic workplace
• Factors to consider before letting the job go

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Do you feel like you don’t deserve that new role? Or that you’re fooling everyone when you landed the promotion? Feeling like your achievements are due to luck rather than hard work and innate skills? If so, you may be suffering from imposter syndrome. You’re not alone. Approximately 70 percent of the United States population suffers from imposter syndrome.

Imposter syndrome is an overwhelming sense of self-doubt, insecurity, and incompetence despite proof that you are competent and accomplished. The term was first coined in 1970 by the clinical psychologists, Dr. Pauline Clance and Dr. Suzanne Imes. It commonly arises after someone receives a new career opportunity.

Imposter syndrome negatively impacts careers. It stops individualsfrom taking on challenges, because they’re worried to reveal that they are not good enough. It causes stress, overwork, and burnout that is detrimental to career growth. Imposter syndrome is difficult to overcome. But there are ways to lessen these doubts and gain self-awareness to succeed.

Jordanna Eyre saw that most leaders struggle with finding a sweet spot between impact and fulfillment.Through her framework and Modern Day Sorcerer Methodology, she has helped seasoned and budding leaders alike how to use the energy in their body.

In today’s episode, Jordanna Eyre reveals a powerful methodology to banish limiting imposter syndrome beliefs and instead develop a powerful inner cheerleader. Discover how to consistently be connected to the energy in your body and level up your leadership skills!

Tune in to the new episode of The Free Retiree show. With wealth manager Lee Michael Murphy.

What you'll learn:

• How to overcome imposter syndrome

• Healing internal wounds through metaphysics

• Becoming the best version of yourself

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There are numerous ways to get wealthy. Whether it’s investing in stocks, real estate, bonds, or starting a successful company. However, this leaves out a crucial piece of the jigsaw. What about the personality needed to become wealthy? Are there some internal characteristics that increase your likelihood of being rich? Studies claim that being wealthy resides not just in what you do but also in who you are.

Do millionaires differ from the rest of us in terms of personality traits? Absolutely! The truth is your personality might help or harm your chances of becoming wealthy. Every rich person's path to wealth may be unique, but there are certain commonalities among the world's wealthiest people like their traits.

In this episode, we reveal the five characteristics from an academic case study that are typically seen in wealthy people. These unique characteristics helped the subjects attain financial freedom. Join our hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson and attorney Matthew McElroy. Tune in to this week’s episode of The Free Retiree Show.

What you’ll learn in this episode:

• How is personality linked with wealth?
• Is wealth due to one’s personality traits?
• 5 personality traits of wealthy people
• How can you attain these traits and become wealthy?
• Can personality traits make you really rich?

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​​There are many reasons we can't focus, from exhaustion and distractions to a lack of motivation. Whatever the cause, our inability to focus is a major drain on our productivity and lessens our chances of succeeding.

People are easily distracted in today's digital world. You can easily lose your train of thought with distractions like phones, social media notifications, unscheduled meetings, and kids or pets needing attention.

Reducing the amount of potential distractions can keep us from losing our train of thought. Taking short breaks throughout the day can help alleviate stress and prevent burnout. Productivity is not something that happens by chance. Forethought planning and discipline are essential to accomplish everything you want and need to do.

Driven by his desire to understand what makes businesses thrive regardless of the market conditions, Robb Gilbear helped over 150 entrepreneurs and coaches. He founded Growth Habit to help business leaders unlock the potential within themselves.

In this episode, author and Growth Habit founder, Robb Gilbear, shares techniques that can help you zone in on the task in front of you, increase your productivity, and build unwavering confidence.

Join our hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson and attorney Matthew McElroy. Tune in to The Free Retiree Show.

What you’ll learn:

• Proven ways to keep your focus
• How to increase productivity
• Effective steps to boost confidence
• How to avoid distractions at work

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Are you aiming for new responsibilities or promotions? If you want to advance your career, you need to master the art of managing up. Career success can become dependent on the reputation and connection you have with your boss and upper level management. However, it isn't always a walk in the park. No matter what type of manager you have, you need to get a grasp on their goals and demonstrate your ability to go above and beyond what they expect. It is no secret that taking initiative and having great leadership qualities help you climb the corporate ladder quickly. However, if you learn how to master the art of managing up you will make your boss's work simpler and will not only enable them to accomplish their job, but you will also be considered a significant asset to the team and organization.

Managing up does not mean rebelling, kissing up, or trying to turn the tables, but rather making oneself recognized as an outstanding employee by exceeding expectations and taking initiative vs taking direction.

In this episode, we discuss the benefits of managing up in the workplace and the do’s and don'ts of managing up. Join our hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson and attorney Matthew McElroy. Tune in to this week’s episode of The Free Retiree Show.

What you’ll learn:

• How managing up can advance your career
• Benefits of managing up
• Tips for earning your boss’ trust
• How mangling up improves the culture at the company
• Take promotions into your own hands

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Is the housing market starting to show signs of a slow down? Although the housing market has remained robust, it is not immune to the impact of inflation and other external economic factors.

For the first time in more than 40 years, the Federal Reserve raised short-term interest rates by 75 basis points on June 15 in an effort to rein in inflation, which has been above 8% in recent months.

The overnight lending rate is forecasted to conclude at around 3.4 percent, with further rate rises expected until 2022. This implies that the Federal Reserve will raise interest rates by a total of 1.75 percent throughout its four planned meetings this year. Credit cards, vehicle loans, and adjustable-rate mortgages will be more expensive to borrow as interest rates rise.

As a first-time home buyer, the present economy may be stifling your hopes of becoming a homeowner. With rising housing prices and inflation, is this the right time to take out your first mortgage? And what if you wait too long, will you be priced entirely out of the market?

In this episode, we discuss the current situation of the real estate market during this inflationary environment and the effect of high-interest rates on home buyers and investors. Join our hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson and attorney Matthew McElroy. Tune in to this week’s episode of The Free Retiree Show.

What you’ll learn:

• How inflation impacts real estate
• Factors to consider when buying a home during inflationary environments
• The impact of high-interest rates on home buyers and investors
• When you should consider buying real estate

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Career change brings excitement because of the higher salary, different workplace environments, and potential career advancement. The Great Resignation is a term coined at the height of Covid-19 when many people resigned. Even as predictions of an impending economic recession rise, many individuals are still contemplating whether now is still a good time to test the job market. Workers continue to leave their place of employment in record numbers. In the United States alone, 4 million workers resigned in April.

With inflation climbing to a 40-year high, and the price of goods and services negatively impacting the finances of households and companies around the world, there has been a shift in the job market. Hiring freezes are becoming more common each week. Big companies like Microsoft and Twitter are either slowing hiring or putting hiring freezes in place. Netflix announced the second round of annual employment layoffs, affecting about 300 people.

In this episode, we discuss how the labor market has been impacted by the changes in consumer behavior and factors to consider before switching jobs in this environment. Join our hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson. Tune in to this week’s episode of The Free Retiree Show.

What you’ll learn in this episode:

• Is the economy heading towards a labor market slowdown?
• Which types of companies and job opportunities should you avoid?
• Risks of switching jobs during a recession.
• Is this the best time to look for a new job opportunity?

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Everyone probably heard about inflation in the news and experienced it firsthand. For some, they notice it when purchasing items at the grocery store, others notice it at the gas pump. In all our purchasing activities the latest inflation surge appears to be evident.

Historically, a two percent inflation rate has been considered a healthy indicator of a growing economy. The consumer price index for May, which tracks changes in the price of food, housing, gas, and other commodities over the previous twelve months, increased by 8.6%, reaching a 40-year high.

Higher costs on goods and services mean that consumers have less purchasing power if their income does not keep up with inflation. Rapid price increases might cause economic instability and risk many individual's savings accounts just to live their day to day lives. Consumers' agony is amplified by the fact that they don't know how long or how to react financially if prices continue to rise.

A rise in inflation has a negative impact on the returns of investors who rely on bonds for their income. Additionally, inflation can erode an investor's purchasing power and reduce their returns if they don't manage the impact on their portfolios.

In this episode, we discuss how to manage your finances and what are the best investment options during a high period of inflation. Join our hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson. Tune in to this week’s episode of The Free Retiree Show.

What you’ll learn in this episode:

• What is the difference between the current market and past bear markets
• Recommended investments strategies to combat the inflation surge
• How to beat inflation

What needs to happen for the market to recover

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Purpose and passion are the driving forces behind any successful business. Many people are fascinated with the possibility of financial gains that come with becoming an entrepreneur. Start-up entrepreneurs are amazed at the overnight success and rags to riches stories they see. The reality is successful entrepreneurs are not driven merely by the desire to make money. Most successful entrepreneurs thrive because they believe in what they are doing and integrate their personal values into their business.

An entrepreneurial endeavor is not always smooth-sailing. There are challenges that test entrepreneurs' determination to succeed. However, passionate business owners are less likely to experience emotional setbacks and burnout.

Ola Hawatmeh’s need to create passion and purpose in her life led to her launching Mom Me Makeover. Ola’s desire was to create a positive impact on the community. Mom Me Makeover is a personal styling company that empowers mothers around the country to embrace their style and build self-confidence.

Ola also created the successful nonprofit, Makeover for a Cause. As a cancer survivor, Ola helped cancer patients, homeless, and abused women feel better with themselves through a relaxing makeover. Ola is also the founder of Ola Styles, which is one of the fastest growing Urban-Chic clothing brands. Alive magazine and SBM mentioned Ola as the most influential business woman in the country for starting two profitable enterprises from scratch.

In this episode, Ola Hawatmeh shares how she juggled business and motherhood, the importance of creating a positive impact as a business owner, and why you should give back to your community.

Tune in as Ola gives us her strategy and style to becoming a world class business owner. With hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson, join this week’s episode of The Free Retiree Show.

What you’ll learn:

• The pursuit of success and money vs the desire create impact
• How to inspire people and impact your community in a positive way
• How to rise above entrepreneurial challenges
• Creating and business with no money
• The importance of finding your passion and purpose
• Overcoming personal challenges and setbacks

The Free Retiree Show is honored to be a Top 20 Feedspot Podcast of 2022

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MONEY MANAGEMENT EDITION

Do you want to escape from the rat race and experience true freedom?

Passive income can be the answer.

There's a reason why so many people are drawn to the idea of passive income- it's the key to true freedom. You can't rely on someone else for your financial security, you have to create it for yourself. And that's exactly what passive income allows you to do.

It's not easy, but it is possible. The first step is understanding what passive income actually is. Passive income is money that you earn without having to actively work for it. That might sound like a dream come true, and in some ways, it is. But there's no magic bullet here- generating passive income takes hard work and dedication.

The good news? There are plenty of ways to do it. One is through real estate.

In this episode we discuss:

• How to attain financial freedom through real estate
• How passive income can help one escape the rat race
• Why it’s important to understand that real estate isn’t all about the money

Join us with Maurice Philogene and hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

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BUSINESS & THOUGHT LEADER EDITION

Are you feeling lost in your career? Are you not sure what you want to do with your life? It might be time to recreate and reinvent yourself. It's a big decision, but it's definitely worth considering.

There are a lot of different ways to go about this process. You could take classes to learn new skills or network with people in your industry. You could also start by evaluating what you don't like about your current job and brainstorm some potential solutions.

Whatever route you choose, make sure that it's something that excites you and motivates you. Don't settle for anything less than what makes you happy. Otherwise, you'll quickly lose steam and fall back into the same routine.

In this episode we discuss:

• How to reinvent yourself
• Three strategies to reinvent yourself
• Why it’s important to become aligned with who you truly are

Join us with Ana Billian and hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

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MONEY MANAGEMENT EDITION

In 2021, CNN wrote that US economic growth was already starting to slow, and the economy would keep decelerating in the coming months.

Growth in year-over-year GDP has already shown signs of slowing, with quarterly GDP growth dropping from 12.2% in the second quarter of 2021 to 3.5% this past January. The Bureau of Economic Analysis, which determines the annualized percentage change between two quarters, calculates GDP expansion using a different method than the Commerce Department. Despite this, both sets of data indicate a decline in economic development.

But according to financial advisor Lee Michael Murphy, it is more important to prepare ourselves for a recession instead of starting to panic. There is always a recession. Recessions are just part of economics. They're always scary, they make us feel uncomfortable, and it's always painful when they happen. But there are ways to prepare for them.

In this week's episode, we're going to talk about the state of the economy, the impact of recessions, and what needs to happen for the markets to recover and the economy to start getting better.

Join us with wealth manager Lee Michael Murphy and career advisor Sergio Patterson. Tune in to this week’s episode of The Free Retiree Show.

To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

In this episode we discuss:

• How to prepare for a recession
• Why it’s important to not panic despite there being a recession looming
• How to manage your investments during a recession

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CAREER ADVANCEMENT EDITION

In this episode we discuss:

• How to build a personal brand using LinkedIn
• Why it’s important to have a goal when using social media
• What most people get wrong when creating a personal brand

You've probably heard that personal branding is important, but you're not sure where to start.

It can be tough to figure out how to build your personal brand and make it stand out. You don't want to copy someone else, but you also don't want to reinvent the wheel.

The best way to build your personal branding is to find a niche. You don't want to copy someone else, but you also don't want to reinvent the wheel. Figure out what makes you unique and focus on that. Use your personal branding to share your story and connect with others.

Be genuine and authentic, and stay true to yourself. Your personal branding should reflect who you are, not who you think others want you to be. Be authentic and honest in your branding, and you'll connect with others on a deeper level.

In this week's podcast episode, Melanie Borden shares her top growth strategies when it comes to building a personal brand using LinkedIn, her hurdles when it comes to growing her business, and more.

Join us and learn more about consistency, resilience, and more with Jay Jay. With hosts, wealth manager Lee Michael Murphy, and career advisor Sergio Patterson, tune in to this week’s episode of The Free Retiree Show.

To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

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BUSINESS & THOUGHT LEADER EDITION

Starting your own business is no easy task. You have to be passionate about your idea, be willing to put in the hard work, and be dedicated to seeing it through. But what if you could make your business a multimillion-dollar company? That's an entirely different story.

There are many things that go into making a business successful, and it takes a lot of hard work, dedication, and perseverance. But if you're able to achieve success, it can be incredibly rewarding. Not only do you get to see your vision become a reality, but you also get to reap the financial rewards.

Of course, becoming a multimillionaire doesn't happen overnight. It takes years of blood, sweat, and tears. It's not easy to turn your dreams into a reality. The world is full of people who have given up on their passions, choosing instead to live vicariously through the accomplishments of others. But it doesn't have to be that way. If you're willing to put in the hard work, you can make your dreams a reality.

Join us in this week’s episode with Mike Fata, who co-founded Manitoba Harvest Hemp Foods from 1998 to 2016. He ran all aspects of the company as chairman of the board and CEO in February 2019. Mike helped with the strategic sale of Manitoba Harvest for $419 million.

In this episode, we discuss:

• What the secret is to create a multimillion-dollar company from a mere idea
• Why it’s important to have passion in the business you want to create
• The importance of having and honing an entrepreneurial mindset from a young age

With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show. To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

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CAREER ADVANCEMENT EDITION

For the ordinary American, side hustles are becoming more common than ever before. According to the New York Post, Bankrate.com discovered that over 44 million Americans work side jobs. That means that out of every ten working-age persons, at least two of them earn multiple incomes each month. What is the significance of this? Because if you are not one of the 44 million, you are missing out on some significant benefits.

Most people think of a side hustle as simply another job - something they do in addition to their 9-5 in order to make a little extra money. But that's not what a side hustle should be viewed as. A side hustle should be seen as an opportunity to improve your financial situation, advance your career, or even start a new business.

There are many reasons why you might want to consider a side hustle. Maybe you're looking to pay off debt, save for a down payment on a house, or build up your emergency fund. Or maybe you're just looking for ways to make extra money so you can travel more or finally start that business you've always dreamed of.

Whatever your reasons, there are plenty of benefits to be had from working a side hustle. And there are great side hustles that will boost your income significantly.

In this episode, we discuss how to find great side hustles to boost your income, evaluate your skills if it’s a potential side hustle, and more. Join us with Side Hustle Nation founder Nick Loper with hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson. Tune in to this week’s episode of The Free Retiree Show.

To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

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CAREER ADVANCEMENT EDITION

It's no secret that the job market is tough right now. Every day, it seems like there are more and more graduates flooding the market with their freshly-printed resumes and Ivy League degrees, all vying for a limited number of spots.

So how can you make sure that your resume stands out among the rest?

One way to set yourself apart from the pack is to make sure that you're utilizing LinkedIn effectively. This social media platform is a great tool for networking and building relationships with potential employers. It can also help you to showcase your skills and experience in a way that sets you apart from other applicants.

So if you're looking for ways to improve your job prospects, be sure to take advantage of LinkedIn.

LinkedIn is a powerful networking tool that can help you connect with potential employers, industry experts, and other professionals in your field. By creating an effective profile and actively participating in groups and discussions, you can set yourself apart from the competition and increase your chances of landing the job of your dreams.

In this episode with Wizard of Odd Marketing Luke Matthews, we discuss how to use LinkedIn effectively to create unlimited job opportunities. From creating a profile that stands out, connecting with industry experts, and more, Luke will discuss the secret to standing out in a tough job market.

Join us with Luke Matthews and hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson. Tune in to this week’s episode of The Free Retiree Show.

To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

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MONEY MANAGEMENT EDITION

It can be tough to stay on top of the economy. Inflation is running out of control, rates are rising, and the market is very volatile. But don't worry, we're here to help you navigate your best investment options.

In this episode, we discuss investment themes to think about in this current environment. We'll discuss inflation, gas prices, and where you can invest your money now.

So what does the economy look like? Well, it's definitely a mixed bag. On one hand, inflation is running high. This means that goods and services are getting more expensive every day. From gas prices to daily necessities, prices just continue to rise. And on the other hand, interest rates are starting to rise as well. So it's a good time to think about various investment themes that you might want to think about.

Wealth manager Lee Michael Murphy discusses why it’s important to focus on value investing, investing in international stocks, real estate investment, and investing in clean energy.

In this episode we discuss:

Join us with wealth manager Lee Michael Murphy and co-hosts career advisor Sergio Patterson and attorney Matthew McElroy. Tune in to this week’s episode of The Free Retiree Show.

To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

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BUSINESS & THOUGHT LEADER EDITION

There's no denying that the road to success is a tough one.

Science says only 8 percent of people actually achieve their goals and think of themselves as successful.

The dictionary defines success as "the achievement of something desired, planned, or attempted." But according to science, only a small percentage of people actually achieve their goals and think of themselves as successful.

So what separates the successful from the unsuccessful? And more importantly, how can you increase your chances of becoming one of the few who actually achieve their goals?

For Steve Werner, there are three traits that lead to success. Anyone who has ever achieved anything significant has had to overcome discomfort, cultivate a growth mindset, and take responsibility for their choices. That's because success seldom comes easy - it requires hard work, dedication, and a willingness to step outside of your comfort zone.

So if you want to be successful, start by making peace with discomfort, cultivating a growth mindset, and taking responsibility for your own life. These are the cornerstone habits of successful people.

In this episode, we discuss why it’s important to employ the three traits that lead to success. Steve Werner shares that there are countless obstacles and challenges to overcome, and it can be easy to give up along the way. But if you're willing to work hard and fight for your dreams, then in the end it's all worth it. You'll achieve things you never thought possible, and you'll be able to look back on your journey with pride. So don't give up - keep fighting for what you want, and eventually you'll reach your goals.

Join us with Steve Werner, CEO of Reaching Millions, to discuss more about the three traits that are a sure-fire way to success. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

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CAREER ADVANCEMENT EDITION

Figuring out what you want in life is hard. It's even harder when you don't know where to start. Across America, 45 percent of workers say they are either satisfied or extremely satisfied with their jobs. Only 20 percent feel very passionate about their jobs. 33 percent believe they have reached a dead-end in their career. 21 percent are eager to change careers.

They say to achieve your dream life and career, you should align your values and goals to work in a field you’re passionate about. But how do you do it?

Alignment is the bridge between where you are and where you want to be. It's the process of creating congruence between your internal beliefs and your external behaviors. When your values, goals, and actions are aligned, you'll experience a sense of certainty and confidence that will help propel you toward your dreams.

By discovering and living your values, you give yourself a roadmap for creating the life you want. Values-based living means that everything in your life, from the big things like relationships and career to the small things like how you spend your free time, is aligned with who you are at your core.

Kimberly Spencer is an award-winning high-performance coach and trainer. She's the founder and CEO of Crown Yourself, and she's been on NPR, CNBC, Forbes, as well as a TEDx speaker.

Join us as Kim shares her experience of pivoting career roles in search of her true passion and how she aligns her values and goals to design her dream life. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

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CAREER ADVANCEMENT EDITION

You've probably heard that personal branding is important, but you're not sure where to start.

It can be tough to figure out how to build your personal brand and make it stand out. You don't want to copy someone else, but you also don't want to reinvent the wheel. 

The best way to build your personal branding is to find a niche. You don't want to copy someone else, but you also don't want to reinvent the wheel. Figure out what makes you unique and focus on that. Use your personal branding to share your story and connect with others. 

Be genuine and authentic, and stay true to yourself. Your personal branding should reflect who you are, not who you think others want you to be. Be authentic and honest in your branding, and you'll connect with others on a deeper level.

In this week's podcast episode, Jay Jay shares his top tips to build your brand. He recommends finding a niche, being genuine and authentic, being consistent, and staying true to yourself. Branding is important, so make sure your personal branding reflects who you are, not who you think others want you to be.

Join us and learn more about consistency, resilience, and more with Jay Jay. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

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CAREER ADVANCEMENT EDITION

Due to the COVID-19 pandemic, demand for jobs has skyrocketed while job losses are mounting. In this competitive job market, job seekers have their work cut out for them-especially women, who lost the most jobs in December 2020 according to the aforementioned analysis by the National Women's Law Center (NWLC). The challenges faced by BIPOC, LGBTQ+, and disabled candidates are even greater.

Pew reports that Black workers constitute just 5% of engineering and architecture jobs in the United States, and women comprise only 1% of engineering and computer science graduates. Meanwhile, STEM professionals experience a larger gender pay gap than other types of professions - and Pew notes that this gap is still growing today.

Coming from an underrepresented community, Anthony Mays knows what it’s like to compete for a position in Silicon Valley. Anthony came from foster care in Compton, experienced physical and sexual abuse, dealt with bullying excessively in elementary school, and more. Through it all, Anthony went to a great university studying computer science and eventually worked at Google for 8 years.

How did Anthony go from Compton to Google?

Join us as Anthony shares his life story, his unlikely path to becoming the 1% at Google, how he battled imposter syndrome growing up, and how he overcame high expectations in the tech space. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

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BUSINESS & THOUGHT LEADER EDITION

People tend to think leaders are born rather than made. However, leaders are no different from athletes. Even though some athletes have natural talents, it's their commitment to working on their craft every day that gets them to the top. Leaders may have innate talents - perhaps a higher EQ is one example - but everyone can develop the leadership skills necessary to perform at the highest level.

It can be difficult to pin down a simple definition of elite leadership, but we all know it when we see it.

What exactly defines an elite leader? How do they distinguish themselves from the rest of us?

Their mindset determines their success. There is a remarkable clarity about winning among elite leaders - for the company, for the team, and for themselves. Elite leaders have a constant drive to achieve their goals and reach the defined destination.

Their focus on winning revolves around having integrity between their words and their actions as well as their relationships with others. From moment to moment, it manifests itself in behaviors, choices, and decisions that benefit others rather than just themselves.

For Julie Hruska, elite leadership has six components that make them what they are: ENVISION, ENLIST, EMBODY, EMPOWER, EVALUATE, ENCOURAGE.

What separates elite leaders from bad leaders? Integrity, where their words and their actions align. People have become so jaded in the world and make promises that are empty and they don't keep. If you think about legendary leaders, they’re people that set a vision and then they honor that, they follow it through, and they become role models for other people.

Join us as Julie discusses who elite leaders are, their characteristics, and six components that make up the E6 Leadership Framework. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast.

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CAREER ADVANCEMENT EDITION

Adversity occurs to all of us, but some of us are able to thrive when things get tough, while others seem to have a hard time getting up in the morning.

All successful people have faced challenges and setbacks because anything worth doing is going to be difficult. Greatness is a result of overcoming adversity. A successful person has learned to navigate around obstacles that would stop others completely.

Why do some people bounce back from misfortune and defeat and find a way to overcome them? For one thing, they don't let negative emotions or thoughts overwhelm them. When they have processed what has happened, they resume moving forward. Instead of dwelling in despair, their mental fortitude lifts them up to seek out opportunities.

Philosopher Edmund Burke said, “He that wrestles with us strengthens our nerves and sharpens our skill. Our antagonist is our helper.” We all need to grow against life's worthy antagonist - life. You are able to embrace adversity as a helper when you know how to overcome it, instead of letting it stop you from reaching your goals.

Corrie LoGiudice is the perfect example of a person who has overcome multiple adversities in life but was even able to turn her life around to become successful. She takes extraordinary action, regardless of her circumstances.

Join us as Corrie shares her life story and how she overcame major adversities in life, bounced back, and started her own business to spend more time with her son. She also discusses the value of being present in contributing to success. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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CAREER ADVANCEMENT EDITION

Starting a side business will allow you to eventually become your own boss while still having the safety and security of a day job.

Furthermore, starting a side hustle not only boosts your income, but also creates career-changing opportunities that would otherwise not have arisen at your full-time job. There have been many side hustles that have led to new jobs, unexpectedly useful relationships, and lifelong friendships.

It's never easy to build a side hustle from scratch to profitability with a limited amount of time outside of work. Getting things done requires ruthless prioritizing, changing your mindset about what's important and being creative and scrappy every day.

There are a lot of Americans who work full-time and also run side businesses, such as freelancing, consulting, and other online businesses. More than 331,941 professionals in the U.S. alone freelancing on the side of their day jobs, according to a 2016 study by LinkedIn ProFinder.

For Home Studio List CEO & Founder Hannah Pobar, starting her business as a side hustle was her best decision. With 800+ spaces all throughout the US, over $2m in reservation requests in 2021, and spaces used by companies like Starbucks, L'Oreal, Hallmark, and more, Home Studio List became Hannah’s passion and full-time job.

Join us as Hannah shares how she started renting her apartment to various businesses and eventually creating and growing Home Studio List. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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BUSINESS & THOUGHT LEADER EDITION

Even when the task at hand is important, we can all use a little help sometimes. Artificial intelligence is becoming increasingly popular at work when an extra pair of hands is needed.

Computers can simulate human intelligence using artificial intelligence, or AI, and AI is everywhere. In today's world, artificial intelligence is used in everything from factory automation to self-driving cars.

Among the many applications of AI technology, one of the most promising is in helping business professionals become more productive.

How does AI increase productivity? AI used in the workplace does not mean that you or your team members will be replaced. The goal is to help you to free up some of your time for more interesting and productive tasks. Even though AI tools seem simple, their technology can be very complex.

AI technology comes in many forms, each with its own industry applications. In terms of workplace productivity, these three factors are most critical: Automation, Machine Learning, and Natural Language Processing.

Curious about how to save more time and get more done with AI automation? Join us with Instarel.ai CEO Thomas Helfrich as he discusses what AI essentially is, how automation can greatly benefit social presence, and more. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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MONEY MANAGEMENT EDITION

Following the Covid-19 pandemic, global markets took a significant hit. Seeing the daily decline in investments, many investors sold their investments, hoping to avoid any more losses. However, the markets recovered just as quickly. Therefore, their losses became permanent.

Investors have behaved in a similar manner before. And this definitely will not be the last time. What causes us to behave this way in such situations? Our biases are to blame.

Traditionally, most conventional economic theories assumed people are rational and would consider all available information when making a decision, thereby overlooking a crucial element of human behavior.

In the last 30 years, a lot of work has been done on this subject suggesting that we are all emotionally driven and biased in our thinking. Occasionally, these biases interfere with our ability to make effective financial decisions.

How do you avoid these biases and avoid putting your hard-earned money at risk?

Join us as Dr. Ryan Peckham from the University of Texas discuss behavioral psychology, including the top biases that affect investors’ financial decisions. How does the behavior of investors benefit or hinder their investment decisions? With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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BUSINESS & THOUGHT LEADER EDITION

It's not uncommon to stare blankly at the screen of your computer at work and wonder how you got there. You might have gotten that job through an employment agency or you might have been employed by that company since your graduation.

It's likely that you settled down because it was convenient, stable, and offered some decent benefits, no matter what the circumstances are.

Sadly, that level of comfort and security can cause us to neglect our past plans and passions.

If you’re certain that you dream of pursuing a different career path and leave Corporate America for good, then it’s time to take a huge leap of faith and pursue your passion. Whether that be a business or a different career field altogether, trust your gut and chase your dreams.

That is what Maria Brito did, and now she’s a CEO, an award-winning New York-based contemporary art advisor, author, and curator who has been featured in Complex Magazine as one of the 20 Power Players in the Art World she was named by ARTNEWS as one of the visionaries who gets to shape the art world.

Join us as Maria shares her experience as a lawyer and eventually leaving and pursuing her passion for art, how she overcame tough moments in building her business, and how NFTs are used for art. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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AVOIDING THE BIG MISTAKES EDITION

It is common for people to believe they possess the character to be successful investors. Moreover, many also unconsciously possess the traits that make them bad investors, which can cause them to lose money on investments.

When it comes to trading or investing, making mistakes is part of the learning process. Stocks, exchange-traded funds, and other securities are typically held by investors for a longer period of time. The average trader buys and sells futures and options, holds those positions for a shorter period of time, and is involved in more transactions.

Despite using different types of trading transactions, investors commit detrimental mistakes that can make or break their long-term gains. 

Join us as wealth manager Lee Michael Murphy discusses the seven types of bad investors with career advisor Sergio Patterson and attorney Matthew McElroy. Tune in to this week’s episode of The Free Retiree Show.

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MONEY MANAGEMENT EDITION

Bear markets are an inevitable part of life. However, it can be challenging to anticipate them, to predict how long they will last, or to gauge the extent to which they will affect stock prices. It is not just possible to survive bear markets, but you can also benefit from them. You can use the following techniques to reduce or even profit from the bear market.

The bear market is characterized by a sharp decline in the prices of securities combined with a sweeping negativity that continues to permeate the market. The more investors anticipate losses in a bear market and the more they sell, the more pessimism grows.

It can be hard to predict when stocks will bottom out after they begin to decline. In these cases, identifying the best timing and managing active trading at the onset of a bear market can be challenging.

In a bear market, what can we do to protect ourselves from losses, or even make money?

In this week’s episode, Lee Michael Murphy discusses why the market's so volatile, explains what needs to happen to fix the current issues, and how to handle a bear market. With career advisor Sergio Patterson and attorney Matthew McElroy, tune in to this week’s episode of The Free Retiree Show.

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CAREER ADVANCEMENT & THOUGHT LEADER EDITION

What makes a great leader?

Is it their confidence? Their authority? The way they can make employees follow their orders no matter what?

Or is it patience? The way they care for other employees? Compassion?

Leadership shapes nations, communities, and organizations.

Leaders are crucial for helping us make large-scale decisions that move the world forward.

It is usually easy to spot a bad leader, but what is the best way to recognize a good one?

For Jean Marie di Giovanna, being a Renaissance leader is essential to being a great leader.

Jean Marie is an international keynote speaker, certified executive coach, best-selling author, and more who has helped increase employee engagement, improved communication, and created happier, more productive workplaces.

In this informative episode on The Free Retiree Show, Jean Marie discusses Renaissance Leadership, the importance of curiosity as a skill in leadership, her advice for women who want to become leaders, and more. With hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson, tune in to this week’s episode of The Free Retiree Show.

What You’ll Learn:

• Renaissance Leadership
• The importance of curiosity as a skill in leadership
• Advice for women who want to become leaders

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MONEY MANAGEMENT EDITION

Scams are continuously evolving. From phone calls, text messages, to emails, they now go in different formats. In 2019, the FBI recorded a record $3.5 billion in losses from internet crimes. Today, con artists all over the world are most likely targeting a computer or mobile device near you. See what the most common scams are and how you can guard your personal information and wallet.

Scams target people of all backgrounds, ages, and income levels around the world. There's no one group of people who are more likely to become a victim of a scam, all of us may be vulnerable to a scam at some time. Be alert to the fact that scams exist. Remember, if it looks too good to be true, it probably is. 

In this week’s episode of The Free Retiree Show, wealth manager Lee Michael Murphy discusses the scams that you should watch out for in 2022. From what each scam does and how you can avoid it, we’ve got you covered with the basic information that’ll help you avoid falling prey to them. 

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MONEY MANAGEMENT EDITION

For the new year, most people have financial goals that they want to achieve. Whether it be a specific savings goal, a new property to buy, and more.

But as you work towards that goal, have you ever wondered, "Well, how am I doing compared to my neighbor and my friends? Where do I rank in my overall wealth journey?"

Comparison is inevitable, but evaluating your own wealth progress compared to others is an essential part of your wealth-building journey. Why? Because it gives you the motivation to work harder or be aware if you’re buying the right assets to build wealth. 

In this week’s The Free Retiree Show episode, wealth manager Lee Michael Murphy is going to be talking about where people in different wealth classes put their assets. Whether it be people that are in the lower 10%, 20 to 30%, of the US population or where the wealthy people that are in the top 90-100% put their money, or what they are investing their money into.

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AVOIDING THE BIG MISTAKES EDITION

Every year, people focus on achieving goals that pertain to their careers and finances.

To get that promotion, to save x amount of money by the end of the year, to buy the latest car model, and others.

But your goals for your family, your friends, your personal relationships, even your health, have you ever given much thought to them?

As you focus on getting that promotion at your company, you might not have realized that you’ve let the things that matter go. You’ve been sleeping for four hours a night, you haven’t spent quality time with your family or friends, and you’ve barely moved your body for the past how many years.

2022 is the year for you to focus more on yourself and the people you care about. Re-evaluate your goals and where you spend your effort on. Find out what truly matters to you and focus on that.

Join us as hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy to discuss the importance of prioritizing personal goals, setting yourself up for success personally and financially in 2022, and why focusing on your health more than your wealth is vital.Tune in to this week’s episode of The Free Retiree Show.

What You’ll Learn:

• Why prioritize personal goals in 2022
• How to set yourself up for success personally and financially
• Why consistency is key with your goals

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MONEY MANAGEMENT EDITION

If you want to invest like Warren Buffett, you don't need to do anything extraordinary. In fact, many new investors are surprised at just how uncomplicated the Oracle of Omaha's investment style is. To sum it up in one sentence, Buffett invests in great businesses trading for less than their intrinsic values, and then he holds on to these investments for as long as they remain great businesses.

Prioritizing a margin of safety is a cornerstone of Buffett's investment philosophy. In simple terms, a margin of safety refers to characteristics of an investment that help to protect investors from losing money. Buffett doesn’t invest in low-quality companies. According to him, "It’s far better to buy a wonderful company at a fair price than a fair company at a wonderful price.” As Buffett does, the best way to invest is to ignore the crowd entirely and focus on finding value on your own.

These are just a few examples of Buffett’s strategy. According to Buckingham Group’s Chief Research Officer Larry Swedroe, people say Warren Buffett is the greatest investor of all time yet fails to follow his advice.

Join us as CRO Larry Swedroe, who has written 19 books on investment strategies and had several articles published in journals, discusses how to invest like Warren Buffett, his advice to beginner investors surrounded by TikTok “investment gurus,” the importance of value investing, and more. With hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson, tune in to this week’s episode of The Free Retiree Show.

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MONEY MANAGEMENT EDITION

Old habits and mindsets die hard, especially when it comes to money. When you don't have any savings and you spend more than you earn, it's time to stop the bad spending habits that keep you poor and get started on building better financial habits.

Developing good money habits can lead to financial success and increased wealth. It will teach you about budgeting, saving, and achieving your financial goals.

Starting new habits and breaking bad ones don't happen overnight. The good news is that you can start changing your money habits with persistence, a good mindset, and knowledge.

Having good money habits and mindsets will enable you to achieve financial success. You can achieve financial freedom by planning for the future, saving money, and staying on top of your finances. Additionally, you will be able to prepare for unexpected expenses, avoid late fees and penalties, and save money for your retirement years.

In this week’s episode, wealth manager Lee Michael Murphy shares the finance mindsets that can be detrimental to your finance journey. What can you change to make sure that you and your family will reach your financial goals sooner?

Join us with hosts career advisor Sergio Patterson and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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MONEY MANAGEMENT EDITION

In the financial planning world, some concepts are intuitive. Annuities, which often include insurance options as well as investment options, aren't. Annuities have received increasing attention lately, mainly because of the SECURE Act, which provides employers incentives to include annuities in 401(k) plans.

Unfortunately, annuities, like reverse mortgages, can be confusing for retirees and may not be the best option for them.

An annuity is essentially an agreement between you and an insurance company. An annuity contract can be purchased either as a lump sum or as a series of payments. As a result, the insurer will make a series of payments to you for the rest of your life.

But today, an annuity can go in lots of different directions. How? Annuities have now morphed into a product that can be used just for accumulation. They can also be used for different forms of decumulation. Annuities are now more of a product where you don't realize gains on an ongoing basis and you're just taxed when the money comes out beyond that.

Are there more pros than cons when it comes to annuities? Head of Retirement Research for PGIM DC Solutions’ David Blanchett will discuss everything that involves annuities, the good, the bad, and potentially the ugly. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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MONEY MANAGEMENT EDITION

In October of 2021, the annual inflation rate in the US hit 6.2%, the highest level since November of 1990 and above forecasts of 5.8%

Inflation, or the devaluation of money, is affecting most of the world recently, especially the United States. It’s taking a toll on American citizens as this is the highest it has been in 30 years. Price increases across the board. From energy costs like gas and electricity, food, and even used cars and trucks.

Based on a Pew Research Center study, in the third quarter of 2021, the country had the 8th-highest annual inflation rate out of 46 countries studied. In the weeks leading up to Thanksgiving, Americans, especially the poor, have felt the effects of inflation as food prices have risen across the board.

What are the reasons behind inflation? Should we worry about the rising prices of goods or not? And are there ways for American citizens to combat it?

For wealth manager Lee Michael Murphy, it is possible. Join us as he discusses the causes behind inflation and what we can all do to combat the devaluing of our hard-earned dollars. With co-hosts career advisor Sergio Patterson and attorney Matthew McElroy, tune in to this week’s episode of The Free Retiree Show.

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CAREER ADVANCEMENT EDITION

High performers are people who go above and beyond to accomplish their tasks or assignments at work. A member of this type takes initiative and strives to improve their behavior and habits at work in order to benefit the company or team. Their superiors and colleagues can count on them as considerate team players.

At times, we think that becoming a top performer in a certain field can take years of experience. Getting promoted at a job in a matter of months is impossible. Outperforming full-time employees as a sales intern? Even more so.

But that’s just what Marcus Chan did at 19 years old. Marcus is the Founder and Sales Coach at Venli Consulting Group, a highly profitable and lucrative online business that has been featured in Forbes, LinkedIn, Entrepreneur, Yahoo! Finance, and more in less than 2 years.

Marcus grew up in a poor household that motivated him to work harder than anyone else. He improved his sales skills and got promoted many times throughout his whole career.

In this episode of The Free Retiree Show, Marcus discusses his childhood growing up in a poor household with the passion to succeed, his journey to becoming the best salesperson in a company as an intern, how to improve your sales skills, and more!

Join us as Marcus shares his success story to inspire everyone. With hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson, tune in to this week’s episode of The Free Retiree Show.

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AVOIDING THE BIG MISTAKES EDITION

There are things we do (or don't do) that are bad for us. When we consider changing our habits, we shake our heads and shrug our shoulders. But whether we like it or not, change is inevitable. If we don't keep up with the change in our environment, then we won't grow.

Every year, nearly half of Americans promise to change their behavior as soon as the new year begins. However, only 8 percent of them succeed 😮 A quarter gives up after the first week.

One of the most important factors that determine your ability to be successful, whether it be in your personal life, in your career, or in your finances: the ability to implement successful long-lasting change.

In this week’s episode, change management consultant Friska Wirya joins us on the show. She's headed up organizational change at New Crest Mining, one of the largest gold mining companies in the world. She also built the change practice for digital consulting at Fujitsu, a top global 500 company.

Join us as Friska discusses the importance of change in everyone’s lives, how to implement long-lasting change to be successful, and more. With hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson, tune in to this week’s episode of The Free Retiree Show.

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BUSINESS & THOUGHT LEADER EDITION

From childhood, we’ve been taught to work hard for what we want.

Want a new toy? You must get an A at school first.

Want to secure a great career? Graduate from uni with top marks.

Want to get promoted at work? Prove yourself to your managers, preferably working overtime.

We’re always busy chasing goals that society, even our families, ingrained in us that we need to achieve.

But in this never-ending pursuit of success, were you able to find your passion? Each individual possesses gifts and talents capable of making a lasting impact. Few people, however, are able to maximize their gifts and talents. The ability to connect your gifts and talents with your personal purpose paves the way for not only a successful but a significant career.

Our lives become meaningful through the impact we make on others, more so than living and working just for ourselves. As we grow, our passion has to inspire others’ passions and dreams.

Our busyness can get in the way of focusing on what really matters. And in this episode, SellYourMac CEO Brian Burke will remind us about the value of passion and purpose to achieve success.

Brian is Chief Mac Man of SellYourMac.com (SYM), the worldʼs most trusted and highest-rated Apple trade-in company. SYM has paid out $44M+ and has helped over 100,000 customers.

Brian loves helping individuals and organizations stay up to date on their Apple products. Brian is passionate about empowering underprivileged students through gifting Apple technology. His purpose is clear: to help underserved people, especially students, to have a Mac of their own.

Join us as Brian shares how he built a $10 million dollar company from his two-bedroom apartment, the power of positivity for his mindset, and how he found his passion and purpose in life. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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CAREER ADVANCEMENT EDITION

Stability is one of the most important factors for people, especially recent grads when looking for a job.

Job security provides peace of mind. When it comes to job security, knowing that you won't lose your job anytime soon is priceless, and for some, that peace of mind is more important than money.

When people apply for a job, they get interviewed, then the recruiters inform them about the salary. People don't even question it. And then they might stay there for years because it’s a stable job. But the question is, are people making a big mistake by just settling?

For career advisor Sergio Patterson, if a prospective employee doesn’t at least negotiate their expected salary, then they’re leaving money on the table. Sergio emphasizes that if you’re the final candidate they picked and offered the job to, then you have the leverage to negotiate their offer.

Sergio also gives about the importance of employees knowing the market and their market value as well as being prepared to switch companies when necessary. If they’re feeling stagnant in their current field, what should they do?

Join us and hear Sergio’s advice, tips, and tricks to fully maximize your earning potential. With hosts, wealth manager Lee Michael Murphy and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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CAREER ADVANCEMENT AND MONEY MANAGEMENT EDITION

STEM is a curriculum based on the idea of educating students in four specific disciplines — science, technology, engineering, and mathematics — in an interdisciplinary and applied approach. STEM integrates all four disciplines into a cohesive learning model based on real-world applications rather than teaching them separately.

Despite the fact that the United States has traditionally been a leader in these fields, fewer students are pursuing them these days. A common misconception that students have is that you have to be very analytical or demonstrate exceptional proficiency in mathematics in order to pursue a high-paying career in STEM.

As a matter of fact, there are more creative individuals who pursue the STEM field. In a 2020 Forbes article, creativity education is equally important for careers in STEM and in the Arts. Not every career in STEM is analytical. Whether you are a great leader, a creative person, or maybe even a great speaker, you can have a career in STEM. From sound engineers, producers, to consumer producers, you can thrive in any STEM field.

This is the legacy that Justin “Mr. Fascinate” Shaifer wants to leave. Justin, often called the “Next Bill Nye,” has reached over 1 million people in the past year with his educational content. He has also been awarded for excellence in STEM Education and is LinkedIn’s Top Voice in Technology.

Join us as Justin shares advice on what career opportunities to explore in the field of STEM as well as what you need to do to have a successful career in the future economy. Understanding the future economy is not only truly fascinating, but it is important to your investments because it can help you spot relevant investment trends and opportunities to find successful companies and sectors that can help you grow your wealth. With hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson, tune in to this week’s episode of The Free Retiree Show.

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S1 EP88: Advanced Tax Planning and Strategies with Mike Jesowshek

MONEY MANAGEMENT EDITION

According to some recent news from the congressional budget office, the economic forecast GDP growth is expected to grow by 7.4% in 2021. However, the deficit is expected to go to 3 trillion for the year, which is smaller than last year, but it's three times the amount it was in 2019.

And the CBO is expecting that the deficit should grow by $1.2 trillion per year by 2031, which means that the United States is going to need some money. Where will that come from?

From American citizens’ taxes.

Depending on the state you currently live in, you might already be paying a lot of taxes. Have you ever wondered where these taxes go? Will these taxes be of benefit to us in the future? And most importantly, is there a way to legally pay the least amount in taxes?

For CPA and Small Business Tax Savings Podcast host Mike Jesowshek, there are multiple ways to do just that. Mike is a modern and innovative CPA on a mission to ensure small business owners pay the least amount in taxes as legally possible. Throughout his entrepreneurship journey, he has experienced all business stages, from the good to the bad. This is why it has become his mission to help out businesses that are going through those successes and struggles.

Luckily, there are various tax planning strategies for everyone to freely and legally utilize. Whether you’re a W2 earner, a small business owner, or an individual who earns a household income of $250,000 or more, you can plan and strategize how much taxes you’ll pay. No more grieving for the thousands of dollars you pay to Uncle Sam because there’s a way to “cheat on him” a bit.

Not entirely convinced yet? Join us as Mike discusses where American citizens’ taxes go, how tax planning works, and how to strategize paying the least amount of taxes legally possible. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy, tune in to this week’s episode of The Free Retiree Show.

What You’ll Learn:

• How tax planning works
• Baseline and Advanced Tax Strategies
• How to file and pay the least amount of taxes legally possible

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CAREER ADVANCEMENT EDITION

Is networking valuable or invaluable?

We’ve heard more people attest to how important it is for their careers. Whether they want to pivot to a different field or have been working towards that job promotion, networking has been the secret sauce to their success.

From job coaches, mentors, to very successful entrepreneurs and individuals, networking changed the game for them. But there are still a number of people who are not convinced that networking is important.

They either think that networking’s not the norm to do in their career field, that it’s not worth the time and effort, or that it doesn’t apply to introverted individuals.

Could networking really be just a waste of time? Are you that person who would rather spend time working rather than talk and get to know people?

For Global CFO Founder Robert Bendetti, networking can turn your whole career around. Robert is the Senior Vice President and Chief Financial Officer of Life Cycle Engineering (LCE). He is also a speaker, author, and change management leader with over 20 years of growth and leadership experience.

If you’re that person who would rather stay at their desks all day long and catch up on work instead of taking the time to talk with their colleagues, Robert will not only inspire you with his success but he will also change your mindset about networking.

Join us as Robert shares great advice about his success at work, give you tips about networking (whether you’re an introvert or extrovert), and more. With hosts, wealth manager Lee Michael Murphy, and career advisor Sergio Patterson, tune in to this week’s episode of The Free Retiree Show.

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MONEY MANAGEMENT EDITION

When you retire, what will Social Security be like?

American citizens have lost hope that there will be anything to see. In a Gallup poll conducted in 2021, 43% of respondents said they were concerned about Social Security.

According to a study conducted by the same firm, 38% of respondents believe that Social Security is going to be their biggest source of income at retirement.

Can you imagine how Social Security will look in the future? Should workers be concerned?

Many younger workers are concerned that, when they retire, they won't be able to collect social security. While they have contributed to the retirement system for years, they fear that when they retire, they won't have any money left. In the Social Security Trustees' annual report released in April 2020, the trustees noted the potential for social security to become insolvent within 15 years. Moreover, the current COVID-19 pandemic is probably depleting reserves, too.

With such reports, it is inevitable for American workers to fear what the future holds. But for bestselling author and Boston University professor, Laurence Kotlikoff, it is important to understand social security, prepare for the future, and more.

Join us and as Prof. Kotlikoff discusses the importance of understanding social security and how the system works and what we can look forward to in the future with hosts wealth manager Lee Michael Murphy and career advisor Sergio Patterson. Tune in to this week’s episode of The Free Retiree Show.

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When you retire, what will Social Security be like?

American citizens have lost hope that there will be anything to see. In a Gallup poll conducted in 2021, 43% of respondents said they were concerned about Social Security.

According to a study conducted by the same firm, 38% of respondents believe that Social Security is going to be their biggest source of income at retirement.

Can you imagine how Social Security will look in the future? Should workers be concerned?

Many younger workers are concerned that, when they retire, they won't be able to collect social security. While they have contributed to the retirement system for years, they fear that when they retire, they won't have any money left. In the Social Security Trustees' annual report released in April 2020, the trustees noted the potential for social security to become insolvent within 15 years. Moreover, the current COVID-19 pandemic is probably depleting reserves, too.

With such reports, it is inevitable for American workers to fear what the future holds. But for bestselling author and Boston University professor, Laurence Kotlikoff, it is important to understand social security, prepare for the future, and more.

Join us and as Prof. Kotlikoff discusses the importance of understanding social security and how the system works and what we can look forward to in the future with hosts wealth manager Lee Michael Murphy and career advisor Sergio Patterson. Tune in to this week’s episode of The Free Retiree Show.

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The recent job market has been competitive. With the post-pandemic resignation boom ensuing, resignation rates have been slowly increasing over the past few months, which has caused job seekers to have a hard time standing out during their job interviews.

People are looking for different things, for a change of scenery, tasks, even colleagues, but it’s become more challenging for them to compete with job applicants who are more qualified for a position. Is it possible to be accepted in a role where one is not as qualified as their competitors?

For Max Up CEO Stephanie Nuesi, you can effectively sell yourself in any company you apply to. Stephanie has helped over 1,000 students and professionals from all over the world with her company Max Up, where she provides career coaching and professional development strategies and resources to help them land their dream careers. She has been featured on The Well, The CPA Journal, Josh Talks USA, and more.

Join our conversation with Stephanie as she gives expert advice about how to stand out in job applications through one’s resume and interview, the common mistakes job applicants usually make, her top tips to boost confidence in applications, and more. With hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson, tune in to this week’s episode of The Free Retiree Show.

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“Your Network is Your Net Worth.”

We’ve heard this phrase time and again, and it still applies today. With 41% of the global workforce considering resigning today, it’s even more relevant now.

Skilled workers are starting to look around they're re-evaluating their life, and they want to see how they can maybe leverage their current position and jump to a new job, to get higher pay.

And with more people working from home, they have more flexibility in terms of where they live and whom they choose to work with, but with such a competitive job environment and massive amounts of competition, how are you going to stand out from the crowd?

For Trevor Houston, it’s about growing and leveraging your network and creating meaningful connections. Trevor is the host of the critically acclaimed Who Ya Know Show, which is about leveraging relationships, resources, and connections to help job seekers improve their careers through the power of networking and education.

Join us in this week’s episode as Trevor discusses how you can make your LinkedIn profile stand out, how to create meaningful connections online, as well as turning your life around through the power of your mindset. With hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson, don’t miss this week’s episode of The Free Retiree Show.

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Interviews are crucial to the hiring process.

In addition to showing your skills and qualifications, it lets you demonstrate your confidence with the hiring manager and how you carry yourself in person. If you prepare ahead of time for your interview, you'll feel more confident when you walk into it. Particularly, the first few moments of your interview can have a decisive impact on how well the rest of it goes.

Imagine: after putting out a ton of resumes and applications, one company called you back asking you to attend a job interview. There’s just one problem: you’ve got a lot of competitors for this one position. How would you stand out?

In this week’s episode, LinkedIn professor Lakrisha Davis will help us out.

Lakrisha has been seen on ABC7 News, Forbes, Newsweek, and more. She is also a 2020 Phenomenal Women Award recipient, and she has served over 2300 job seekers.

If you want to hit the home run and grab that position that you’ve been aiming for, don’t miss this episode as Lakrisha shares easy and helpful tips to nail that job interview, how to deal with a job rejection or ghosting, as well as common mistakes that job applicants should avoid doing. With hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson, tune in to this week’s episode of The Free Retiree Show.

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Remember being a kid who thought that every big and crazy dream you had was right at your fingertips and can easily become a reality? You could have dreamed about owning a mansion, a palace even, and dreamed about owning a Porsche. You dreamt about traveling the world as a hobby.

Such are wild and crazy dreams. But what if we tell you that it’s possible to make these dreams a reality?

That is exactly what Jeremy Schneider did.

Jeremy started an internet company in college (RentLinx), grew it with no outside funding for 12 years, then sold it at the age of 34 for over $5 million! Now, he’s the Founder of the Personal Finance Club, co-Founder of Nyckel, and is currently starting two businesses!

He is now living his dream, and in today’s episode, he’ll share how he accomplished such amazing feats before 40, how he built amazing companies, his advice to aspiring entrepreneurs and aspiring investors, and more!

Join us and learn how Jeremy’s incredible entrepreneurial mind works as he shares his story with hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy. Tune in to this week’s episode of The Free Retiree Show.

Surprise! Use the code “thefreeretiree” to purchase Jeremy’s course at 25% off! Promo runs until October 1st only so visit How to Build Wealth by Investing in Index Funds – Personal Finance Club now!

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Society tells us that to be successful, you must go to a university. If you obtain a degree from one of the top universities, you’re sure to land a great job at a prestigious company, and all your financial worries will quickly disappear. These are the myths that many individuals believe. However, after college grads land their first big job out of college, they quickly realize that the money goes towards paying down debt rather than building their wealth and future.

According to the recent data from the U.S. Department of Education, about 42.9 million Americans have federal student loans, which means about one in eight Americans carry around student debt. The total outstanding debt is roughly 1.59 trillion dollars.

Not only does it put you behind in your path to financial freedom, but it also has a lot of psychological effects. People can feel trapped, crushed, and hopeless that they’ll never pay off hundreds of thousands in student loan debt.

For Attorney Joshua Cohen, there is a more effective way to deal with your student loan debt. He has been seen on Fox News, Bloomberg TV and is the author of The Student Loan Lawyer’s Guide to Understand the Student Loans in Plain English.

Today’s episode will be filled with great information to make fresh grads, current students, and parents understand the best way to deal with student loan debt. Hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson tune in to this week’s episode of The Free Retiree Show.

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Society puts more pressure on going to school and getting the best grades. Some countries, like South Korea, China, and other Asian countries, pressure students from a young age. But are these great indicators of your skills once you enter the workforce?

According to LinkedIn global talent trends, 92% of talent acquisition professionals reported that soft skills are equally or more important than hard skills.

And 89% said that when a new hire doesn't work out, it's because they lacked critical soft skills. These skills include communication, character and personality traits, emotional intelligence, among others. Skills that make people excel in their jobs and the best to work with in the organization.

Getting good grades isn’t all there is to success in the workforce anymore. Soft skills make a great employee in every organization.

This episode will be with Career Developer, author, and entrepreneur Mark Herschberg. His book, The Career Toolkit: Essential Skills for Success That No One Taught You discusses the skills that can help you accelerate your career growth in any company you’re in or you want to get into.

Join us as Mark discusses these essential skills that you need, how he built multiple non-profit companies and his love for ballroom dancing! With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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“I’m still young!

Isn’t it too early to plan for retirement when I haven’t even settled in my career??”

Let us answer that. It’s NEVER too early to plan for retirement.

Being aware of your current financial status and expenses is important. Why?

With everything that's happened in the last couple of years, people have a lot of concerns.

Numerous laws have been signed, expired, and signed again to help out with numerous families that were affected by the pandemic. Jobs are lost, employees were laid off, and more people are working on multiple jobs to make ends meet.

At this point, it is impossible to know how the economy will be like in the next couple of years. Are we about to face another recession caused by the pandemic? Will the economy pick it up?

For Prof. Laurence Kotlikoff, it is important to plan for your retirement to overcome the threats facing the US economy. Prof. Kotlikoff is a Professor of Economics at Boston University and is a New York Times best-selling author. In 2014, The Economist named him one of the world’s 25 most influential economists. His company, Economic Security Planning Inc, aims to preserve and raise families' living standards with powerful, cutting-edge software.

Join us on The Free Retiree Show as Prof. Laurence Kotlikoff discusses how to plan for your retirement to overcome the threats facing the US economy. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy.

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Corporate America is a male-dominated industry, and all too often, we hear women say how their voices are often ignored at their companies. They feel they can't communicate their true feelings in the workplace. With societal, organizational, and personal pressures that women experience on a daily that their male counterparts don't, being heard is one that many of them feel that they struggle with. And as a result, they're passed up on promotion opportunities and advancement opportunities that they're capable of and very well do deserve.

Although American women hold almost 52 percent of all management- and professional-level jobs, they are significantly underrepresented in leadership positions. In 2021, only 7% of CEOs in the world are women.

BigPanda’s VP for Sales Enablement Rehmat Kharal is an advocate for equal rights. She’s a recipient of multiple awards like the Drum Major Award, Multiple Sales Awards, Women of Influence, and more.

Join us as Rehmat discusses what it’s like to be a woman and a woman of color in corporate America, how she gained self-confidence, her advice to mothers who want to climb the corporate ladder, and more.

With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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Holidays only mean one thing: taking a well-deserved vacation. Either solo or with family and friends, people love going on vacations.

Whether locally or internationally (pre-COVID 19, that is), traveling is a means of escape from most of us. A time to relax, spend quality time with your favorite people, and forget about reality and work for a while. For some people, taking vacations is a necessity rather than a luxury.

But a very important question still stands, can you afford to take a vacation? Of course, you can easily swipe your credit card to book a flight, book three rooms in a hotel, and eat out at restaurants as freely as you can. But is this the right move to do? Or are you just digging a deeper hole in debt?

According to Learnvest Money Habits, the average American spends 10% of their annual income on travel. 74% of Americans have gone into debt to pay for a vacation, averaging a total of $1,108.

Wealth manager Lee Michael Murphy shares his full-proof checklist to make sure you’re financially ready before going on a vacation you truly deserve.

Join us with co-hosts career advisor Sergio Patterson and attorney Matthew McElroy for a fun, informative, and even semi-argumentative episode about how you should prepare yourself and your family financially and not get into more debt for a vacation.

Make sure to tune in to this week’s episode of The Free Retiree Show.

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Do you want to be successful?

We spend the first quarter of our lives as human beings, developing, preparing, and trying to become ready to be successful human beings. And yet the reality is so many of us, 10 years into the workforce, 20, 30 years into our career, we start wondering, did we make the right actions and decisions and lived up to those childhood expectations?

Each and everyone has a different definition of success, whether it be in their personal or professional lives. A standard baseline is money, career & power. If that is the category you focus on to evaluate someone’s success, then roughly less than 1% of the world’s population achieves this to the greatest or highest levels possible.

But if you don’t agree with this standard baseline, then it is possible to achieve success. And that is through mindset.

This week’s guest is Simon Parsons, a badass activation coach who is passionate about intentional mindset work that can massively increase performance in the professional setting. From meditation, visualization, mindset tools, and hacks can make work incredibly more fulfilling, productive and increase results.

Join us as Simon shares how he defines success, the advantages of having a growth mindset, and how to make failures your best teacher. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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If you are a business owner or you’re thinking about going into business, what type of business model are you using?

What could be the best type of model to help you generate profits and grow your business?

Almost all businesses bill by the hour. The hourly model billings take place after the work is done, computing the time spent on the work.

The value pricing model widely differs from the hourly model. Value pricing requires that the seller, generally a professional services firm, determine what a customer is willing to pay for one's expertise before the work is complete.

For Ron Baker, costs do not determine price, value determines the price. For more than 25 years, Ron has pushed accounting firms to dump the billable hour and embrace value pricing for client services. He now believes the profession is at a tipping point.

In today's episode, Ron Baker is going to discuss the concept of creating value. Baker founded the VeraSage Institute Founder, a think tank that aims to eliminate billable hours and archaic timesheets. The group also encourages the use of advanced pricing arrangements and treating tax and accounting professionals as knowledge workers as opposed to timekeepers.

He has over 230,000 LinkedIn followers, authored seven books, including Implementing Value Pricing: A Radical Business Model for Professional Firms, and hosts the internet radio talk show The Soul of Enterprise: Business in the Knowledge Economy.

Join us as Ron Baker delivers extensive value about the value pricing business model with hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy. Tune in to this week’s episode of The Free Retiree Show.

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The stock market can be a compelling way to build wealth.

In 1984, less than half of the Forbes 400 ranking of the wealthiest Americans were self-made billionaires. In 2018, 67% were self-made! While most of the wealthiest people become rich as self-made entrepreneurs, stocks are adequate as an asset class and, along with real estate, should be the foundation of any successful investment portfolio.

But, if people continue to venture blindly into stocks investments, they can continue to make countless mistakes. Recently, word of mouth has been a powerful tool to encourage investing in stocks. There are stock-picking gurus, social media posts and advice, and even TikTok advice has become a thing.

The question is, can you truly trust these people? Are they accredited to give such advice, or are they only speaking from experience and sheer luck?

With many sources of information, there are many mistakes that people can make throughout their stocks investment journey, and it’s essential to be wary of making them. At times, they might not even be aware that they’re making a mistake that can potentially cause huge losses.

Join us as co-host wealth manager Lee Michael Murphy shares the biggest investor mistakes for people to sift through the BS and find the best investment techniques that will work for them.

With career advisor Sergio Patterson and attorney Matthew McElroy, tune in to this week’s episode of The Free Retiree Show.

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Most of us think that it would be quite helpful if we were to know when and how we will die.

We’re all aware that the day we leave this earth will happen, but we’re too scared to talk about it. But there are consequences if we don’t talk about it.

64% of people die without a will in the United States. What will then happen to their hard-earned money? What will the government do with people’s taxes once they die?

That is why leaving a legacy is important for everyone to do. Most people put it off until they’re older without knowing its importance. For one, people only have one shot at creating a legacy and ensuring that their family, their dog, and every person they love are taken care of once they pass. That they can survive and continue on living after grief. Another is for people to make sure that they are protecting their wealth. Without leaving a legacy, there is a chance that money can fall into the wrong hands.

As featured on GMA, BBC, Fox News, and more, Goldberg LLP CEO Natalie “Money Momma” Gold shares the importance of protecting your wealth and leaving a legacy. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s fun and informative episode of The Free Retiree Show.

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Does every working day feel like a terrible never-ending cycle?

Wake up ➡️ 8 to 10-hour workday ➡️ Sleep. Repeat 🔁

Most of the time, you don’t even remember half of the tasks you do in the office. You’re feeling stagnant with no clear future in sight in the job you do every day, where it holds you back from what you truly want to do.

If you experience all of these, then it might be time to re-assess yourself to find genuine happiness in your career. In recent statistics, it showed that 70% of workers are not completely happy and satisfied with their career choice. Most people work 10 to 12 hours, doing unfulfilling jobs only to make a decent living. For the long-term, it would be best to work a job in a company that aligns with your goals.

You may ask, “Is finding happiness in any career even possible?”

For Podcast Producer, Podcast Host + Author Ahyiana Angel, it is possible. It may take months or even years to find that job, but it takes great effort to achieve your goals and it will be worth it.

Ahyiana is passionate about helping others find their voice and having conversations that will impact ambitious business professionals. In this week’s episode of The Free Retiree Show, she’ll share her story about how she made a major pivot in her career to pursue a more fulfilling job, how she pursued a more creative path that ultimately led her to find happiness in her career, her tips for employees who are thinking of switching careers, and more!

With hosts, wealth manager Lee Michael Murphy and career advisor Sergio Patterson, tune in to this week’s episode of The Free Retiree Show.

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Despite living in the digital age, cybersecurity is a threat that many of us tend to undermine. Not only can a cyber breach impact you personally, but it could also impact a business you’ve worked hard on.

Because of government restrictions associated with the Coronavirus pandemic, many employees have taken to working from home or even staying at home. The result has been an increased reliance on technology both at work and at home.

In 2020, the number of cyberattacks increased 171% compared to previous years. Data also shows that 47% of employees fall for phishing scams while working from home.

People use mobile devices for various reasons and we are prone to cyber-attacks 24/7. Not only is it dangerous, but it will also require maximum time and effort to recover from such attacks. What should we do to protect ourselves and our businesses from these attacks?

In this week’s episode of The Free Retiree Show, as seen on BBC, Cyber SC Founder and Chief Strategist Dominic Vogel shares the importance of cybersecurity, debunking cybersecurity misconceptions, and more.

With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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In the latter half of 2020, COVID-19 hit worldwide. With millions of people infected and many lives lost, students started remote learning, and employees were forced to work remotely.

It was a huge change for everyone and the adjustment phase was not easy. The whole family would be at home, there’s no clear line between home and work life, frustrations over endless Zoom meetings, and how to work with young kids (and pets) around.

A year and a half since the pandemic hit, it’s time to go back to the office. The United States and other countries are slowly opening up again. After employees have become used to working remotely, getting the hang of waking up five minutes before a meeting and enjoying no commute to work whatsoever, it’s time to shift gears again and go back to “normal life”.

But do employees want to do that? Do they want to run from building to building to attend meetings, spend hours commuting to work, and leave their pets alone at home?

The Free Retiree Show’s Lee Michael Murphy, Sergio Patterson, and Matthew McElroy sit down in this episode to talk about getting back into the office, what's new, plus share their experiences and what they’ve learned from working from home.

Tune in to listen to a fun and informative episode on The Free Retiree Show.

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Have you heard about the major change Proposition 19 is going to make?

California property taxes are becoming increasingly complex. Property transfers - both primary residences and rental properties - to children and grandchildren are significantly affected by Proposition 19.

It will have a large impact on many property owners in CA, particularly those aged 55+, a person with severe disabilities or a victim of a natural disaster, and investment property owners.

This law would also close the so-called “Lebowski” loophole, which gives people who inherit property a pass on paying market rate taxes as long as they do not make it their primary residence.

How will Prop 19 be able to eliminate exemptions for the transfer of non-primary residences? If you’re curious about how the Proposition affects the parent-to-child transfer of real property, then we’ve got you covered in this week’s episode of The Free Retiree Show.

Join us as Associate Attorney and Certified Estate Planning Specialist Nina Decker explains what Prop 19 is in detail, how different it is from the previous law, how it will affect certain individuals, and more.

With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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If you work for a company, more than likely, you’re expected to be as sociable as possible. From speaking up in group meetings and brainstorming sessions, attending parties for various causes or celebrations, and more. They say that being an extrovert, speaking up, and making yourself known is the only way for you to thrive in the workplace.

But that is no longer the case now that introverts are being recognized more.

Chelsey Brooke Cole is a Licensed Professional Counselor & Pathfinder Coach. She currently works as a counselor and coach helping introverts create clarity, confidence, and calm to quiet their inner critic and trust themselves more.

For Chelsey, there is power in being “The Quiet One.” Extroverts are not the only people who can find success in companies, and it only takes proper reflection and clarity for introverts to find their strengths among outgoing and sociable people.

Join us as Chelsey shares her personal story and as she found her calling to help her fellow introverts, furthering her mission by helping them experience lightbulb moments that change the way they see themselves, their abilities, and their purpose - forever.

Tune in to this week’s episode of The Free Retiree Show with hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy.

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If you ever want to grow your business, social media can be your best friend or your best enemy. Going viral on social media platforms is no small feat, and for small local businesses, it can make all the difference.

Erica Rankin is a 26-year-old fitness advocate from a small town in Ontario, Canada. She created Bro Dough, a 100% vegan, plant-based, protein-infused, edible cookie dough lower in sugar. Her goal was to transform this treat into something people could enjoy without sacrificing their fitness or health goals.

Join us and listen to Erica as she shares her experience as a small business owner, how she used social media to her advantage as she shared the struggles that made her grow and improve as an entrepreneur, and how she learned more about herself and got out of the box to connect with other entrepreneurs.

With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in to this week’s episode of The Free Retiree Show.

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Financial planning, particularly estate coordination and legacy planning, has been a taboo topic for families.

All too often, women are left out of the planning process. Their invaluable opinions and involvement in the financial planning process are commonly dismissed.

A generation-to-generation conversation about financial planning is even more challenging to do. Talking to your parents or grandparents about who gets what once they pass just doesn’t sit well with most families.

Vanessa Martinez, named as 2020 Forbes Best-in-state Advisors and Barron's 2020 Top Women Financial Advisors, believes that it is important to educate and empower women not only to be involved in the family’s financial planning but also for more women to be professionals and investors in finance.

For their book, Family Value at Risk, they also aim to spread the importance of intentional and inclusive communication between families when it comes to financial planning.

Tune in to this week’s episode of The Free Retiree Show with hosts wealth manager Lee Michael Murphy and career advisor Sergio Patterson, as Vanessa Martinez shares valuable information about women empowerment in the finance field, her journey into believing that financial planning between family members can benefit everyone involved and more.

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Being in Hollywood makes a person think that it’s all about the fun parties, glam, and unlimited booze. But what are the sacrifices one must take to get there?

Darcy Donavan is a film and television actress/producer/recording artist/author who went through countless struggles before achieving everything she currently has. From growing up in an unconventional family setup to music and acting rejections, what kept Darcy going?

Darcy shares her Hollywood journey and experience being in hit movies and shows like Anchorman, Modern Family, Parks and Rec, and more. What did she have to do to survive and thrive amongst many other promising actors and actresses? One thing’s for sure, her perseverance and empathetic heart made all the difference.

Join us and be in on the loop on how Darcy shares her experience being a small town Nashville lass turned Hollywood actress/businesswoman doing even more work on the side. With hosts, wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy tune in this week’s episode of The Free Retiree Show.

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BUSINESS AND THOUGHT LEADER EDITION

Artificial Intelligence is cutting edge technology that is being applied in many different industries. Now, it has even made its way into marketing and entrepreneurship.

How exactly does AI help entrepreneurs you ask? Apparently, people can now take advantage of AI when it comes to building or growing their brand. They can use it for design, they can use it for strategy, and for many other uses.

In this week’s episode of The Free Retiree Show, brand strategist Chahat Aggarwal discusses with wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy how branding with artificial intelligence works. She also shares some of her experiences as an extremely accomplished woman entrepreneur in India.

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CAREER ADVANCEMENT

Landing a job is difficult, especially without the right strategy.

Lots of people have been stuck in the vicious cycle of job application. Sending in a resume, getting called for an interview, rejection, all this over and over again. The perseverance is admirable, but the rejection is a sign that they are still missing something.

John Marty is a senior product manager at SoFi, and the founder of Project 1B, an organization whose mission is to help people around the world maximize their sense of meaning so that they can lead more fulfilling lives. He is also the host of the Mindset Reset Podcast where he explores the mindsets of thought leaders and turn them into actionable insights.

In his career, John has had a roller coaster of a journey that has taken him through massive success, into devastating failure, and finally back on the rise. He managed this spectacular recovery by optimizing himself into the role that he wanted.

John shares his journey and his strategy with wealth manager Lee Michael Murphy and career advisor Sergio Patterson in this week’s episode of The Free Retiree Show. Tune in and see what else you can do to land your next job.

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BUSINESS AND THOUGHT LEADER EDITION

Staying motivated is one of the biggest hurdles that many business owners encounter.

Entrepreneurship has always been something that requires a lot of effort and perseverance. It starts small, and through consistent effort and strategic planning, grows into a self sustaining machine. It sounds simple, but the actual complexity of business ownership often shaves away at any entrepreneur’s motivation. So why does this happen and what can people do about this?

Kevin Miller is a renowned podcast host of three shows that focus on personal development, Motive, True Life, and The Ziglar Show. He has more than a thousand (1000+) episodes and fifty million (50m) downloads under his belt, and his shows reach four hundred and fifty thousand (450k) downloads per month.

Kevin is also a writer and a business owner, and in this episode of The Free Retiree Show, he will be sharing with wealth manager Lee Michael Murphy, career advisors Sergio Patterson, and attorney Matthew McElroy his thoughts on motivation, entrepreneurship, and the relationship between the two.

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MONEY MANAGEMENT EDITION/AVOIDING THE MISTAKES

Crypto. Bitcoin. Blockchain. NFT. These words have generated headlines in the financial world with people making huge money off of them. People are curious and eager to jump in and throw money at these words to maybe make a quick buck, but what do these words even mean? What are the risks associated with this new asset class? 

Linda P. Jones is the CEO of Be Wealthy & Smart VIP Experience which provides high value investing information, recommendations, and education to their clients. She is also the author of “You’re Already a Wealth Heiress! Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now” which has for a second year, made it to Book Authority’s 100 Best Wealth Books of All Time.

In this episode, Linda discusses with wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy the basic idea behind cryptocurrency and answers some of the important questions surrounding it.

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CAREER ADVANCEMENT/BUSINESS AND THOUGHT LEADER EDITION

Starting a business or starting as a professional can be tough. As a new name in the industry, it’s hard to get any traction. It sometimes feels like no matter what you do, there’s just nobody that is interested.

Sound familiar?

One of the most common pieces of advice given to people who face this struggle is to “build your brand”. But what exactly does this even mean?

In this episode of The Free Retiree Show, LinkedIn trainer, coach, and learning instructor Michaela Alexis shares with wealth manager Lee Michael Murphy and career advisor Sergio Patterson the ins and outs of building a brand on LinkedIn. As one of the largest professional networking platforms, LinkedIn is a go-to when it comes to promoting a business or simply oneself, and Michaela will be talking about how to manoeuvre the space and make the most of your LinkedIn profile.

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CAREER ADVANCEMENT / AVOIDING THE MISTAKES

Women, especially women of color, are still struggling in the workplace.

No matter how capable or how intelligent a woman is, more often than not they end up facing struggles that their male workmates are not likely to experience. They are seen and treated differently in a way that negatively impacts their career and mental health. These women are then faced with a choice:

Do they stay true to who they truly are and face the challenges that come with their identity?

Or do they conform to the normal of their workplace and try to find success that way?

Dr. Jasmine Escalera is a confidence coach and a career strategist. She has a PhD in Pharmacology and is also a TEDx Speaker. Despite all of these impressive qualifications, she too has faced the struggles that women, especially women of color, all over the world are facing in their workplaces.

In this episode of The Free Retiree Show, Dr. Jasmine talks with wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy about conforming to survive in the workplace, and its negative effects. She also shares her thoughts on what can be done to battle the injustices that women continue to experience in their workplaces.

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MONEY MANAGEMENT

Is it a good idea to buy a new house?

Real estate has been constantly changing over the past year. With the current global situation as it is, many might think there wouldn’t be people attempting to leave their homes and relocate. But there are, and it seems that plenty of people are actually doing it.

But why are they moving? And where are they going?

Nate Johnson, the former CEO of Realtor.com, sheds some light on how the real estate market has been shifting during the past year in this episode of The Free Retiree Show. He also shares with wealth manager Lee Michael Murphy, career advisor Sergio Patterson, and attorney Matthew McElroy some tips and guidelines on how to find and get good investments in real estate.

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CAREER ADVANCEMENT

Maintaining motivation and drive during these tough times is a massive challenge.

The world underwent a major transformation in the past year. People had no choice but to stay isolated in their own homes and somehow figure out how to make everything work under such circumstances.

Such a significant shift in our everyday lives can be too much to process, and many people are struggling and even failing to do so. How do we keep going in these challenging times?

Rachel Druckenmiller, CEO of Unmuted, understands how hard it is to get back on one's feet. As a speaker with more than a hundred virtual meetings under her belt in 2020, she has made it her mission to inform and inspire people to become more resilient.

In this episode of The Free Retiree Show, Rachel discusses with wealth manager Lee Michael Murphy and career advisor Sergio Patterson different concepts surrounding resilience. She talks about what resilience is, how people can improve their resilience, and more.

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CAREER ADVANCEMENT 

Go to school, go to college, get work. That’s the standard script that most people follow in the early years of their life. It has become so normal that many students follow it without realizing the other concerns that may or may not come with the entire routine.

That doesn’t have to be the case says Justin Nguyen. For him, students are more than capable of managing their career and their finances. They simply need to be educated about them.

Justin Nguyen is the CEO and founder of GetChoGrindUp. There he hosts the Declassified College podcast, a show that brings college students the knowledge needed to be successful at an early age. With this show, Justin hopes to get other people in his generation and the next educated in aspects of their career that are not usually handled and taught in the classrooms.

Join wealth manager Lee Michael Murphy and career advisor Sergio patterson in this episode of The Free Retiree Show where they learn more about Justin’s perspective on career education for students and the power of Tiktok.

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AVOIDING MISTAKES

The interview is usually the most daunting part of the job application process. People can craft the cleanest and most impressive resumes, but the spontaneous nature of a job interview is something nobody can completely prepare themselves for. Who knows what the interviewer would ask right?

Though being one hundred percent prepared for  a face-to-face interview may not be possible, applicants can still raise their chances. In this episode of The Free Retiree Show, career advisor Sergio Patterson shares with us his job interview tips and strategies that make use of the power of connection.

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BUSINESS AND THOUGHT LEADER EDITION

Everyone gets brilliant ideas, but not everyone manages to turn them into reality. What exactly does it take to turn a spark of inspiration into something that improves the lives of millions of people?

Felix Lee is a tech entrepreneur, and the man behind the recently acquired travel planning platform Packdat and the mentoring platform for designers, ADPList. These two projects were born out of Felix’s desire to make a positive impact on the people around him. His efforts on both were met with massive success which led to the acquisition of one, and over half a million in online traffic on the other.

In this episode of The Free Retiree Show, wealth manager Lee Michael Murphy and career advisor Sergio Patterson learn about Felix’s journey from the birth of Packdat until the bustling success of today’s ADPList.

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CAREER ADVANCEMENT EDITION

Studies have shown that people who appear more physically fit have advantages when it comes to getting work in today’s market. They are hired and paid more than their less fit counterparts. It’s not right, but that’s the unfortunate truth. Becoming fit is not a walk in the park, but there are ways to make it easier to get started.

In this episode of The Free Retiree Show, Lisa Goldenthal, a Lifestyle, Weight Management, and Fitness Expert, and author of “The Boss Weight Loss: Permanent Weight Loss in Six Easy Steps” shares with Wealth Manager Lee Michael Murphy and Career Advisor Sergio Patterson her approach to getting into shape and living a healthier and more fulfilling lifestyle.

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AVOIDING THE MISTAKES / MONEY MANAGEMENT 

We have a stock investment craze in our hands right now and a lot of people are excited to get in on the action. But wait! Investing in the stock market is not that easy! If you’re careless with how you put in money into stocks, there’s a chance you might end up in a really tight spot.

In this episode of The Free Retiree Show, Wealth Manager Lee Michael Murphy shares with Career Advisor Sergio Patterson and Attorney Matthew McElroy a deeper look into stock picking and day trading. With historical data born from financial science, Lee lists down some of the cold, hard, facts that people should keep in mind when jumping into the stock market.

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BUSINESS & THOUGHT LEADER EDITION

Growing a business can be tough. With all the things that need to be done just to keep the business going, it’s hard to find time and resources to make actual growth happen. That’s why it’s important to scale your business. With proper scaling, any business will have enough capacity and support to continue growing.

Matt Yahes is the CEO of Extend Your Team, a thriving remote worker agency in the US. In this episode of The Free Retiree Show, Matt sits down with wealth manager Lee Michael Murphy and career advisor Sergio Patterson to share his knowledge about scaling businesses as well as how it helped him regain his free time.

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CAREER ADVANCEMENT

Every now and then people hit a “wall” in their work. When they do, they usually do two things. One, think of switching careers. Nothing wrong with that, not everybody likes their job. The other thing however is to wrack their brains and figure out if there’s some way to break through that wall.

In this episode of The Free Retiree Show, Lee and Sergio sit down with High Performance Career Coach Savi Barrowes to talk about how to become a high performer, and finding your purpose. Is there something you can work on to once again start getting ahead in the workplace? Or is it time to find your true calling?

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CAREER ADVANCEMENT

Mental health is a massive factor when it comes to productivity in the workplace. An employee can only work for so long before they finally break from not taking care of their mental state. So many things can happen in the office that may trigger anxiety, depression, and though most people have migrated their work to their homes in the past year, the ongoing pandemic only made it more difficult to maintain a healthy mind.

In this episode of The Free Retiree Show, Lee and Sergio get to talk with upcoming author, mental health advocate, certified telemental health provider and licensed clinical social worker Shara Ruffin about dealing with anxiety in the workplace.

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MONEY MANAGEMENT EDITION

It’s a brand new year and people are setting their personal goals. The most common goals that people set out to achieve are to not be burdened by money problems, and to improve their financial status. But how does one start to work towards such a goal?

The Free Retiree Show’s Lee Michael Murphy and Sergio Patterson sit down in this episode to talk about tips that would help anyone reach their financial goals for this year. These tips are easy, simple, and effective, allowing everyone an opportunity to get on track towards financial freedom.

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BUSINESS AND THOUGHT LEADER EDITION

CROSSNET CEO and Co-Founder Greg Meade has always had an entrepreneurial mindset. Even after graduating from college, Greg decided not to pursue the traditional college graduate path and take a 9 to 5 role. He wanted to pursue entrepreneurship, and he decided to take an idea and create something incredible. His dream turned into a reality in less than two years. This week on The Free Retiree Show, Lee Michael Murphy, Sergio Patterson, and Matthew McElroy sit down with Greg to learn more about his journey and how he turned an idea into a multimillion-dollar business. 

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BUSINESS AND THOUGHT LEADER EDITION

The Free Retiree Show crew, Lee Michael Murphy, Matthew McElroy, and Sergio Patterson sit down with world renowned TED speaker and the Head of Culture Transformation and Employee Engagement at Celcom, Aziph Mustapha. How does one find inspiration ???Advancing in your career and finances is incredibly difficult, and without inspiration the journey can feel impossible and meaningless. Many of the individuals that excel and achieve success in these areas have been able to find the their inspiration and use it to achieve success and live a more inspired life. Aziph Mustapha also explains how to create a successful culture and how to inspire an entire organization. Join The Free Retiree Show crew as they learn what it means and what it takes to find inspiration.

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CAREER ADVANCEMENT

Wonder what it’s like to be a part of the class of 2020 and 2021? What are students currently facing? Even if they had great internships, can they find a full-time role after graduation? 

Join Lee Michael Murphy, Sergio Patterson, and Matthew McElroy as they speak with twin sisters and top students from Santa Clara University, Isabella, and Katarina Draskovic on overcoming the challenges of the COVID-19 job environment and what strategies students can use to find a job. You’ll get five essential tips to help you or a loved one land their dream job in a challenging job market. 

Katarina will be starting full-time at Google post grad. However, Isabella is still on the full-time job search and is looking for roles in the HR/People Operations/Talent/Employee Experience space within the tech industry. 

This episode is a must-not-miss! 

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BUSINESS AND THOUGHT LEADER EDITION

As the owner and founder of Suzanne Evans Coaching LLC, Suzanne Evans went from being a secretary to surpassing the seven-figure mark in just over three years and a NY Times Best Selling Author. She has landed on the INC 500/5000 for five straight years. This week on The Free Retiree Show, Lee Michael Murphy, Sergio Patterson, and Matthew McElroy sit down with Suzanne to discuss her entrepreneurship journey. They discuss how she overcame her obstacles and what attributes led to her meteoric rise—interested in what it takes to build a seven-figure business? If you are, listening to Suzanne’s interview is a must !!!

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MONEY EDITION

Join Wealth Manager and Host of the Free Retiree Show Lee Michael Murphy as he leads a short conversation with Sergio Patterson, and Matthew McElroy and shares essential tips to save money. What are five tips to save money every month? Why should you re-evaluate the current costs of your bills? Should you be investing at all during these times? 

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MONEY / THOUGHT LEADER EDITION 

Lee Michael Murphy, Sergio Patterson, and Matthew McElroy of The Free Retiree Show join wealth coach, financial advisor, TEDx 2020 speaker, bestselling author, and wellness enthusiast, Ryan Sterling to discuss how he used mindfulness and intention to restore his relationship with wealth and now helps emulate this process for others. What do you want at the core of who you are? How can you get more of these true deep wants in your life, and what role does money play, if at all? How do you have a more intentional relationship with money? Why should you make changes to your life? How do financial decisions impact your future? Tune in as Ryan provides insight into how he came to the realization to transform his life and make the necessary changes to achieve his new path. 

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CAREER ADVANCEMENT 

Lee Michael Murphy, Sergio Patterson, and Matthew McElroy of The Free Retiree Show sit down with LinkedIn Top Voice, Product Strategy & Analytics Manager at Lucid, and COO of Wonsulting, Jerry Lee. Do you want upward mobility in your career? Does your role have a clear path for promotion? What are the boxes you are not checking? How do you stand out? What does it mean to manage up? Tune in as Jerry answers these key questions and provides insight into his journey at Google and how he set himself up for success early in his career. 

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BUSINESS AND THOUGHT LEADER EDITION

Lee Michael Murphy, Sergio Patterson and Matthew McElroy of The Free Retiree Show sit down and speak with Founder & President of Career Pivot, Marc Miller to discuss what it means to repurpose your career. Do you really enjoy your job? Is it okay to transition from career to career? What do you want your professional journey to look like years from now? Join Lee, Sergio, and Matthew as they speak with Marc on topics surrounding career pivots.

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CAREER ADVANCEMENT

Lee Michael Murphy, Sergio Patterson and Matthew McElroy of The Free Retiree Show crew

speak with Kristel Bauer to discuss the importance of wellness. Do you believe there is a correlation between your productivity and health? How do you practice mindfulness? Do you mediate? Tune in as Lee, Sergio, and Matthew speak to Kristal about topics surrounding health, wellness and productivity.

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AVOIDING THE MISTAKES

Lee Michael Murphy, Sergio Patterson and Matthew McElroy of The Free Retiree Show crew sit down with estate attorney Nina Decker to discuss the importance of estate planning.

Why should you plan for your estate today? What age should you start your estate planning? What does the conversation look like when you want to start talking about estate planning? What does it mean to avoid probate? Join Lee, Sergio, and Matthew today as they speak with Nina about how everyone should begin thinking about estate planning.

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MONEY EDITION

Lee Michael Murphy, Sergio Patterson & Matthew McElroy have a jam-packed conversation, discussing how the results of the upcoming presidential election will impact the economy and how presidential election years reflect in stock market performances throughout history. What is the difference between Trump’s economy vs. Biden’s economy? How have past presidential elections impacted financial markets? Why is there a correlation between the economy and policies of presidential candidates? Tune in today as Lee, Sergio, and Matthew speak about the relationship between politics and stock market behavior.

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BUSINESS AND THOUGHT LEADER EDITION

The Free Retiree Show crew, Lee Michael Murphy, Matthew McElroy, and Sergio Patterson sit down with marketing executive and former CMO of Realtor.com, Nate Johnson. Throughout the episode, Nate provides insight into his professional journaey and shares his knowledge and advice on all things marketing. How do you stand out on Linkedin? What does a career in marketing look like? Tune in as Nate shares his wisdom and insight from his career.

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BUSINESS AND THOUGHT LEADER EDITION

In this week’s episode of The Free Retiree Show, Lee Michael Murphy and Sergio Patterson speak with Mark Metry, the host of a Top 100 Global Podcast, Humans 2.0 Podcast, a Forbes featured keynote speaker and the CEO of @VU Dream. Throughout the show, Mark shares his journey to becoming a successful entrepreneur and how he battled and overcame depression and anxiety during that time. Why is self-care important? How do you overcome mental health disorders? Tune in as Mark shares his story alongside the Free Retiree crew.

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AVOIDING THE MISTAKES

This week on The Free Retiree Show, attorney Matthew McElroy leads a conversation with Lee Michael Murphy and Sergio Patterson to discuss what you should know when you want to pursue legal action. What are the steps you need to take when you are thinking about starting a lawsuit? How do you find out more information about different lawyers in your area? What are the potential costs of a lawsuit? What are the potential pitfalls of a lawsuit? Listen as Matthew shares his legal insights alongside the Free Retiree crew.

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BUSINESS AND THOUGHT LEADER EDITION

The Free Retiree crew sits down with CEO & Founder of Wonsulting, Jonathan Javier to discuss personal branding and networking, standing out as a job-seeker, and the journey of Wonsulting. Beginning in early 2019, Wonsulting was founded as a way to bridge the gap between students and the corporate world and help students with non-traditional backgrounds stand out to land their dream job. Just because you attend a non-target school, can you get into a top tech company? How do you create your personal brand? How do you stand out as a student? How do you land your dream job? Listen as Jonathan Javier shares his story on how he landed jobs at the top tech companies and how he turned his passion for helping students into his day job.

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MONEY EDITION

Join The Free Retiree Show for another weekly episode as the crew discusses investments and the current economic environment. In this episode, wealth manager Lee Michael Murphy sits down with Sergio Patterson and Matthew McElroy to talk all things investing, and what you need to consider during this time. What types of companies will be positively impacted by COVID-19? How has COVID-19 changed the investment landscape? What are the biggest mistakes investors are making in the current economic environment? Listen as the Free Retire Show crew shares their opinions on the current market, and how COVID-19 has shifted the economy.

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BUSINESS AND THOUGHT LEADER EDITION

Join The Free Retiree crew for another great episode, as we explore how you can take your career to the next level. Thought-leader, marketing expert, and Invaluable book author, Maya Gossman helps people excel in their career and learn what skills she built to make her career so successful. In this episode, we discuss the key steps you need to take for career success and how to master the skills you need to skyrocket your career, as noted in Maya’s book. How do you have a fulfilling career? What skills should you know? How do you think ahead and tackle a problem before asking? What is the difference between accountability and responsibility? Listen as Maya shares a sneak peek of what’s in her newly launched book, and what you need to know to be invaluable at your job.

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EXPERT EDITION

Join The Free Retiree crew as we gain clarity with Zee Najarian. Featured on VoyageLA & Graceful Gladiators, Clarity Coach, Zee Najarian helps multi-passionate women dream big and understand their desires and superpowers. Just because it looks like someone is making it, are they really happy? How do you make a change in life and your career? What are good questions to ask others? How do you find what you are looking for in your career? Listen as Zee explores how to uncover your passions, and help you create a life that you love by doing more of the things that bring you joy.

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BUSINESS AND THOUGHT LEADER EDITION

Join The Free Retiree crew as we sit down Jose’ Benitez Cortez. Jose’ was the former CEO of Plause, part of the team that created the iPhone and iPod, and was at Google’s Nest when they were working out of a garage in Palo Alto. What was it like to be in meetings with only a few people brainstorming on how to create a thing called the iPhone? What was Steve Jobs looking for in the people Apple hired? What separates the successful startups from the ones that become uber successful? And what is the secret to finding your perfect job? Join us as Jose’ shares his knowledge and experience into what it takes to become a successful company.

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Join career advisor Sergio Patterson as he explains how to overcome being passed up for a job opportunity. How do you recover emotionally? How do you discover the weakest aspects of how you present yourself? And how do you get the job next time you apply? To get the episode, show notes, and share links, please go to our podcast page. Thank you for sharing our podcast. The Free Retiree Show Podcast Page Honor to be mentioned in the FeedSpot TOP 20 RETIREMENT PODCAST OF 2020

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BUSINESS AND THOUGHT LEADER EDITION

Join the Free Retiree crew as they interview world renowned attorney, Michael Waddington. Attorney Michael Waddington has a reputation for being one the best trial attorneys in the world, and has participated in over 400 trials as a criminal defense attorney. Get insight into his mind set and how to achieve success in your personal life and career.

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Listen to attorney Matthew McElroy as he gives you insight into the potential legal issues that will arise due to COVID-19. What sort of legal liability is present if you host a house party? What actions can businesses take to reduce liability and show they are not negligent? Can an individual with COVID-19 be legally liable for not disclosing their condition and exposing others to potential harm? Join us as we explore the new potential legal battles that will arise from COVID-19.

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LegalRiskCOVID-19 #SmallBusinessLegalLiabilityCOVID #COVID-19Lawsuits #TheFreeRetiree #FinancialPodcast InvestingPodcast #RetirementPodcast #BusinessPodcast #CareerPodcast #FinancialAdvisorInMorganHill #MorganHillFinancialAdvisor #MorganHillRetirementPlanning #MorganHillFinancialPlanner #SergioPatterson #MatthewMcElroy #LeeMichaelMurphy

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BUSINESS AND THOUGHT LEADER EDITION

Join The Free Retiree crew as they sit down with Google director Alana Karen. Alana is an award-winning tech leader, author, and speaker. She has been featured in Forbes, Women 2.0, Stanford LinkedIn Influencers, Woman Impact Tech, and much more. Join us as we discuss how women can overcome the challenges of corporate America, and how we can excel as leaders in the workplace. We also discuss her upcoming book, “Adventures of Women in Tech: How We Got Here and Why We Stay.”

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Join wealth manager Lee Michael Murphy, and career advisor Sergio Patterson, as they discuss eight essential tips that can help you live out a successful retirement. They share tips for living a life of financial freedom and advise on how you avoid the biggest mistakes that lead to a failed retirement plan.

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Join wealth manager Lee Michael Murphy and career advisor Sergio Patterson as they discuss the current state of the real estate market. If you own an investment property, are interested in buying real estate, or want to understand the future challenges of the real estate market, tune in to our episode as we discuss the opportunities and concerns regarding the current real estate market.

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Landing job opportunities with elite level companies can seem like a daunting task. Google gets roughly 3 million applications a year from some of the smartest individuals on the planet. Which lucky application and interviewee will triumph over the masses? Join career advisor Sergio Patterson as he gives you elite level tips and tricks to help you stand out from the competition and land that dream job.

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7:03 - Creating a resume that stands out

13:58 - How to tailor your resume to the desired position

19:26- Organizing your bullet points

21:18- Acing the phone screen

22:50- Doing your research about the company

26:06- Discussing compensation

33:33- Interview appearance

37:52- The value of curiosity

41:36- The power of self awareness

45:10- Know the interviewer

47:50- How to handle tough questions

GreatResume #InterviewPreparation #LandYourDreamJob #SiliconValleyCareerCoaching #CareerCoachSanJose #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree #FinancialPodcast InvestingPodcast #RetirementPodcast #FinancialAdvisorInMorganHill #MorganHillFinancialAdvisor #MorganHillRetirementPlanning #MorganHillFinancialPlanner #WillowGlenFinancialAdvisor #FinancialAdvisorInWillowGlen #FinancialPlannerWillowGlen #RetirementPlanningWillowGlen #GilroyFinancialAdvisor #GilroyCareerAdvisor #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #SanJoseRealEstateAttorney #RamCommericalMorganHill #LegalAdviceMorganHill

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Join wealth manager Lee Michael Murphy and career advisor Sergio Patterson as they discuss their experiences with using credit cards and establishing good credit. Learn how financial institutions calculate your credit score and what you need to do to maintain a good credit score. In this episode we share a couple quick tips to help you boost your credit score. Lee Michael Murphy, shares his credit report and examines which areas of his report received positive scores and which areas had a negative impact on his overall credit score.

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RepairingYourCredit #FixingCredit #HealthyCredit #HowToGetAHighCreditScore #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree #FinancialPodcast InvestingPodcast #RetirementPodcast #FinancialAdvisorInMorganHill #MorganHillFinancialAdvisor #MorganHillRetirementPlanning #MorganHillFinancialPlanner #WillowGlenFinancialAdvisor #FinancialAdvisorInWillowGlen #FinancialPlannerWillowGlen #RetirementPlanningWillowGlen #GilroyFinancialAdvisor #GilroyCareerAdvisor #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #SanJoseRealEstateAttorney #RamCommericalMorganHill #LegalAdviceMorganHill

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BUSINESS AND THOUGHT LEADER EDITION

Join The Free Retiree crew as they interview AI Technologist and Behavioral Economist, Emmanuel Matthew. He is known as “Mr. Health Intelligence” and was honored in Black Enterprise Magazine’s Top 100 Men of Distinction. Emmanuel is one of the leaders at Course Hero’s diversity, equity, and inclusion team. Hear his unique perspective on how to create long lasting systemic change and equity in corporate America. In this interview Emmanuel gives us insight into what factors have led to his success.

What you’ll learn:

• The importance of being intentional when thinking about your company’s diversity, equity, and inclusion.
• Understanding the difference between equity and equality.
• Why we need to embrace what makes us different.
• Doing it on your own vs leveraging mentors and experts.

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EmmanuelMatthews #DEIEmmanuelMatthews #RaceInCorporateAmercia #EmmanualMatthewsArtificialInteligence #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree #FinancialPodcast InvestingPodcast #RetirementPodcast #FinancialAdvisorInMorganHill #MorganHillFinancialAdvisor #MorganHillRetirementPlanning #MorganHillFinancialPlanner #WillowGlenFinancialAdvisor #FinancialAdvisorInWillowGlen #FinancialPlannerWillowGlen #RetirementPlanningWillowGlen #GilroyFinancialAdvisor #GilroyCareerAdvisor #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #SanJoseRealEstateAttorney #RamCommericalMorganHill #LegalAdviceMorganHill

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Listen to the The Free Retiree Crew as they demystify the confusion surrounding life insurance. The life insurance industry is full of conflicting information that tends to favor the interest of the life insurance agent and life insurance company. Learn how to properly structure life insurance and how to avoid costly mistakes when purchasing your policy.

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LifeInsuranceMorganHill LifeInsuranceGilroy LifeInsuranceWillowGlen #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree #FinancialPodcast InvestingPodcast #RetirementPodcast #FinancialAdvisorInMorganHill #MorganHillFinancialAdvisor #MorganHillRetirementPlanning #MorganHillFinancialPlanner #WillowGlenFinancialAdvisor #FinancialAdvisorInWillowGlen #FinancialPlannerWillowGlen #RetirementPlanningWillowGlen #GilroyFinancialAdvisor #GilroyCareerAdvisor #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #SanJoseRealEstateAttorney #RamCommericalMorganHill #LegalAdviceMorganHill

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Join Career Advisor Sergio Patterson as he gives you fantastic tips and tricks to stand out from the competition in this tough job market. Sergio explains the most common mistakes he sees people make when building their resume. Listen to his advice and stand out from the competition.

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TipsForStandingInATightJobMarket #InterviewTipsSiliconValley #JobHunting #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree #FinancialPodcast InvestingPodcast #RetirementPodcast #FinancialAdvisorInMorganHill #MorganHillFinancialAdvisor #MorganHillRetirementPlanning #MorganHillFinancialPlanner #WillowGlenFinancialAdvisor #FinancialAdvisorInWillowGlen #FinancialPlannerWillowGlen #RetirementPlanningWillowGlen #GilroyFinancialAdvisor #GilroyCareerAdvisor #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #SanJoseRealEstateAttorney #RamCommericalMorganHill #LegalAdviceMorganHill

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Join The Free Retiree crew as they discuss the legal issues surrounding the killing of George Floyd. Attorney Matt McElroy gives his unique insight into the key elements of the case and breaks down the differences between 3rd degree, 2nd degree, and 1st degree murder charges. Career Advisor Sergio Patterson opens up on the challenges he has had in his own life battling racism and gives his take on what we need to do as a society to bring change. Wealth manager Lee Michael Murphy and Attorney Matt McElroy discuss the current state of the real estate market.

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GeorgeFloydKilling LegalPerspectiveMattMcElroy #Covid19RealEsate #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree #FinancialPodcast InvestingPodcast #RetirementPodcast #FinancialAdvisorInMorganHill #MorganHillFinancialAdvisor #MorganHillRetirementPlanning #MorganHillFinancialPlanner #WillowGlenFinancialAdvisor #FinancialAdvisorInWillowGlen #FinancialPlannerWillowGlen #RetirementPlanningWillowGlen #GilroyFinancialAdvisor #GilroyCareerAdvisor #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #SanJoseRealEstateAttorney #RamCommericalMorganHill #LegalAdviceMorganHill

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BUSINESS AND THOUGHT LEADER EDITION

Join The Free Retiree crew as they interview Dr. Candice Weaver. Dr. Weaver is an alum of U.C. Berkeley, The Johns Hopkins University, Dartmouth College, and Touro University. She is a board certified Family Medicine physician and the author of an Amazon #1 best seller. Join us as we learn more about Dr. Weaver‘s journey and what personal attributes and people have led to her success.

What you’ll learn:

•How you need to view the events in your life that don’t make sense.

•The correlation between sacrifice and success.

•The power of determination.

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Dr.CandiceWeaver #NiasPuzzle #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree #FinancialPodcast InvestingPodcast #RetirementPodcast #FinancialAdvisorInMorganHill #MorganHillFinancialAdvisor #MorganHillRetirementPlanning #MorganHillFinancialPlanner #WillowGlenFinancialAdvisor #FinancialAdvisorInWillowGlen #FinancialPlannerWillowGlen #RetirementPlanningWillowGlen #GilroyFinancialAdvisor #GilroyCareerAdvisor #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #SanJoseRealEstateAttorney #RamCommericalMorganHill #LegalAdviceMorganHill

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Join wealth manager, Lee Michael Murphy, as he gives you an economic update and analyzes the economic similarities and differences with COVID-19 and the Great Recession.

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SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree #FinancialPodcast InvestingPodcast #RetirementPodcast #FinancialAdvisorInMorganHill #MorganHillFinancialAdvisor #MorganHillRetirementPlanning #MorganHillFinancialPlanner #WillowGlenFinancialAdvisor #FinancialAdvisorInWillowGlen #FinancialPlannerWillowGlen #RetirementPlanningWillowGlen #GilroyFinancialAdvisor #GilroyCareerAdvisor #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #SanJoseRealEstateAttorney #RamCommericalMorganHill #LegalAdviceMorganHill

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Join wealth manager, Lee Michael Murphy, as he explains how COVID-19 is impacting the stock market. In this interview he explains the biggest mistakes investors make during market downturns and how to avoid the disastrous pitfalls. He also addresses whether this is the right time to invest or to stay on the sideline.

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SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree #FinancialPodcast InvestingPodcast #RetirementPodcast #FinancialAdvisorInMorganHill #MorganHillFinancialAdvisor #MorganHillRetirementPlanning #MorganHillFinancialPlanner #WillowGlenFinancialAdvisor #FinancialAdvisorInWillowGlen #FinancialPlannerWillowGlen  #RetirementPlanningWillowGlen #GilroyFinancialAdvisor #GilroyCareerAdvisor #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #SanJoseRealEstateAttorney #RamCommericalMorganHill #LegalAdviceMorganHill

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Join The Free Retiree crew as they discuss COVID-19 and working from home. Career advisor, Sergio Patterson, gives 7 tips for working from home to help improve productivity and work life balance.

7TipsforWorkingfromHome #WorkandCOVID-19 #MorganHillInvesting #CareerAdviceMorganHill #LegalAdviceMorganHill #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree#MorganHillFinancial Advisor #MorganHillRetirementPlanning #MorganHillFinancialPlanning #SanJoseFinancialAdvisor #SanJoseInvesting #SanJoseFinancialPlanning #San Jose #RetirementPlanning #GilroyFinancialAdvisor #GilroyCareerAdvisor #SiliconValley #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #MorganHillLegalAdvice #SanJoseRealEstateAttorney #RamCommericalMorganHill

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Market downturns can be devastating to your finances. However, individuals who properly prepare for these events generally come out unscathed, and in many cases come out financially stronger once the downturn is over. Learn Lee Michael Murphy’s 7 tips to help you survive and thrive in a market downturn.

7TipsforMarketDownturns #BearMarketTips #HowtoHandleRecessions #MorganHillInvesting #CareerAdvice #LegalAdvice #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree#MorganHillFinancial Advisor #MorganHillRetirementPlanning #MorganHillFinancialPlanning #SanJoseFinancialAdvisor #SanJoseInvesting #SanJoseFinancialPlanning #San Jose #RetirementPlanning #GilroyFinancialAdvisor #GilroyCareerAdvisor #SiliconValley #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #MorganHillLegalAdvice #SanJoseRealEstateAttorney #RamCommericalMorganHill

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The Free Retiree crew discusses COVID-19 and the CARES ACT. If you are a business owner, have student loans, pay a mortgage, or are looking for financial relief…DON'T MISS THIS EPISODE. Great information that may help you and your loved ones survive this difficult time.

CaresActMorganHill #CaresActSanJose #StudentDebtRelief #PayrollPrectionSanJose #EIDLMorganHill #TheFreeRetireeShow #BusinessReliefSanJose #MorganHillInvesting #CareerAdvice #LegalAdvice #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree#MorganHillFinancial Advisor #MorganHillRetirementPlanning #MorganHillFinancialPlanning #SanJoseFinancialAdvisor #SanJoseInvesting #SanJoseFinancialPlanning #San Jose #RetirementPlanning #GilroyFinancialAdvisor #GilroyCareerAdvisor #SiliconValley #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #MorganHillLegalAdvice #SanJoseRealEstateAttorney

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BUSINESS AND THOUGHT LEADER EDITION

Carl Reinhardt is a CEO and business owner with over 50 years of experience in the wealth management industry. He helped grow a firm to over 1.2 billion in assets, bought and sold multiple companies, and published 3 books in the areas of investing and self improvement. Listen as he gives you tips on how small business owners and individuals can become successful, and the most valuable lessons that he learned over his career. Learn what you need to look for when buying or selling a company; and the biggest factors that differentiates the ultra successful from their peers.

What you’ll learn:

• 3 crucial sources of income every business owner needs to focus on.
• What to look for when buying and selling a company.
• The most common mistakes that hold people back

3TipsForBusinessOwnerRetirement #BuyingandSellingaBusiness #TraitsofSuccessful Manager #TraitsofSuccessfulBusinessOwners, #TheFreeRetireeShow #Business #CEOinterview #MorganHillInvesting #CarlReinhardt #BusinessOwerRetirement #SanJoseRetirement #FinancialPlanning #CareerAdvice #LegalAdvice #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree

MorganHillFinancial Advisor #MorganHillRetirementPlanning #MorganHillFinancialPlanning #SanJoseFinancialAdvisor #SanJoseInvesting #SanJoseFinancialPlanning #San Jose #RetirementPlanning #GilroyFinancialAdvisor #GilroyCareerAdvisor #SiliconValley #CareerAdvice #SanJoseCareerAdvisor #Gilroy #CareerCoach #MorganHillCareerAdvice #SanJoseLegal Advice #MorganHillLegalAdvice #SanJoseRealEstateAttorney

Securities offered through Securities America, Inc., member FINRA (www.finra.org)/SIPC /www.sipc.org), a separate entity. Lee Michael Murphy is licensed with the California Department of Insurance, License 0H18660.

The Free Retiree, RNP Advisory Services and Securities America are separate entities. Career advisor Sergio Pattterson and attorney Matt McElroy are not affiliated with RNP Advisory Services or the Securities America Companies.

Securities America, RNP Advisory Services, Inc., and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation.

Third party sourced information or comments are not verified, may not be accurate, and are not necessarily representative of all client or audience experience. All or a portion of this event paid for by third party."

The opinions career advisor, Sergio Patterson, do not reflect the options of FaceBook, Inc. The opinions of attorney, Matt McElroy, do not reflect the opinions of Castaneda and Company.

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Many individuals around the world envy those that work in Silicon Valley. Society tends to associate Silicon Valley with innovative companies, high compensation, and benefits that most could only dream about. However, what most fail to consider is the massive amount of stress that those living in Silicon Valley deal with on a day-to-day basis. An outrageously high cost of living and a highly competitive work environment cause many to suffer from anxiety and stress. Listen to career adviser, Sergio Patterson, as he gives you his seven tips to manage work life balance.

Join wealth manager, Lee Michael Murphy, as he gives you insight into the current state of the economy. Understand the financial impact of the coronavirus and learn what impact it will have on the US and Chinese economy.

Also in this episode, The Free Retiree Show gives a tribute to Kobe Bryant. Listen to Sergio Patterson and Lee Michael Murphy as they give their perspectives on the impact of Kobe Bryant‘s death and highlight some of his greatest accomplishments. Sergio discusses how the Mamba Mentality can help you achieve success in your own life. While Lee Michael Murphy takes a closer look into the investments and financial success of Kobe Bryant.

CareerAdviceSergio #7TipsToManageWorkLifeBalence #KobeBryantTribute #DearKobe #InvestingAndCoronavirus #TheFreeRetireeShow #MorganHillFinancialAdvisor #MorganHillRetirementPlanning #MorganHillFinancialPlanning #SanJoseFinancialAdvisor #SanJoseInvesting #SanJoseFinancialPlanning #SanJoseRetirementPlanning #GilroyFinancialAdvisor #GilroyCareerAdvisor #SiliconValleyCareerAdvice #SanJoseCareerAdvisor #MorganHillCareerAdvice #SanJoseLegalAdvice #MorganHillLegalAdvice #SanJoseRealEstateAttorney #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree #FreeRetiree #SanJoseWealthManager #MorganHillWealthManager #TheFreeRetireeBlog #TweetTheFreeRetiree

Disclosures:

Securities offered through Securities America, Inc., member FINRA (www.finra.org)/SIPC /www.sipc.org), a separate entity. Lee Michael Murphy is licensed with the California Department of Insurance, License 0H18660. Lee Michael Murphy is an Investment Advisor Representative with RNP Advisory Services, Inc., a registered investment advisor

The Free Retiree, RNP Advisory Services and Securities America are separate entities. Career advisor Sergio Pattterson, attorney Matt McElroy are not affiliated with RNP Advisory Services or the Securities America Companies.

Securities America, RNP Advisory Services, Inc., and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation.

Third party sourced information or comments are not verified, may not be accurate, and are not necessarily representative of all client or audience experience. All or a portion of this event paid for by a third party."

The opinions career advisor, Sergio Patterson, do not reflect the options of FaceBook, Inc. The opinions of attorney, Matt McElroy, do not reflect the opinions of Castaneda and Company.

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BUSINESS AND THOUGHT LEADER EDITION

What is it going to take to cure cancer? In the United States we’ve been taught to value and protect our medical privacy. What if that mindset was the very thing that was preventing us from curing and treating chronic illness? Join us as we interview one of the leading figures in artificial intelligence and big data. Listen to, Dr. Dexter Hadley (iDrDex), as he discusses the impact of artificial intelligence and big data in precision medicine. Dr. Dexter Hadley is also the owner of Hadley Laboratories. Learn more about what personal attributes have helped him rise to success in his field. Hear his perspective on what it will take for the United States to make meaningful progress in preventing and treating chronic illness, and how you can help in the fight against illness and disease.

THE LEADER’S PERSPECTIVE

•The power of self-belief

•The importance of doing what you love

•Having fun in your career

iDrDex #DexterHadley #ArtificialIntelligence #BigData #PrecisionMedicine #Blockchain #MorganHillInvesting #TheFreeRetireeShow #SanJoseRetirement #FinancialPlanning #CareerAdvice #LegalAdvice #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree

Securities offered through Securities America, Inc., member FINRA (www.finra.org)/SIPC /www.sipc.org), a separate entity. Lee Michael Murphy is licensed with the California Department of Insurance, License 0H18660. Lee Michael Murphy is an Investment Advisor Representative with RNP Advisory Services, Inc., a registered investment advisor

The Free Retiree, RNP Advisory Services and Securities America are separate entities. Career advisor Sergio Pattterson, attorney Matt McElroy, and Dr. Dexter Hadley are not affiliated with RNP Advisory Services or the Securities America Companies.

Securities America, RNP Advisory Services, Inc., and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation.

Third party sourced information or comments are not verified, may not be accurate, and are not necessarily representative of all client or audience experience. All or a portion of this event paid for by third party."

The opinions career advisor, Sergio Patterson, do not reflect the options of FaceBook, Inc. The opinions of attorney, Matt McElroy, do not reflect the opinions of Castaneda and Company.

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Did you know a botched real estate transaction could potentially cost hundreds of thousands of dollars to rectify!?!?!? It could even put you in a situation where you might lose the property. Join attorney, Matthew McElroy, as he gives you his essential tips for performing a prudent real estate transaction. Listen to wealth manager, Lee Michael Murphy, as he give you insight into the impact war has on the economy. Is war good or bad for the economy?

EconomicImpactOfWar #RealEstate #RealEstateFiduciary #TheFreeRetireeShow #SanJoseInvesting #MorganHillInvesting #SanJoseRetirement #FinancialPlanning #CareerAdvice #LegalAdvice #SergioPatterson #MattMcElroy #LeeMichaelMurphy #TheFreeRetiree

Securities offered through Securities America, Inc., member FINRA (www.finra.org)/SIPC /www.sipc.org), a separate entity. Lee Michael Murphy is licensed with the California Department of Insurance, License  0H18660. The Free Retiree, RNP Advisory Services and Securities America are separate entities. Career advisor Sergio Pattterson and attorney Matt McElroy are not affiliated with RNP Advisory Services or the Securities America Companies. Securities America, RNP Advisory Services, Inc., and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation. Third party sourced information or comments are not verified, may not be accurate, and are not necessarily representative of all client or audience experience. All or a portion of this event paid for by third party." The opinions career advisor, Sergio Patterson, do not reflect the options of FaceBook, Inc. The opinions of attorney, Matt McElroy, do not reflect the opinions of Castaneda and Company.