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π΅ Ready to save your first $100K? Learn how disciplined saving, smart investing, and mindset shifts can help you hit this incredible financial milestone.
π If youβre a twenty-something aiming to break free from paycheck-to-paycheck living and build wealth for the future, this conversation will inspire you to take action with practical tips and proven strategies.
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In this episode, we discuss:
1οΈβ£ Reaching $100K: Why itβs a critical milestone and how compound interest accelerates your journey.
2οΈβ£ Case Studies for Success: Three realistic pathsβcollege grad, military member, and service industry worker.
3οΈβ£ Building Financial Habits: The power of automation, cutting back on expenses, and starting small.
4οΈβ£ Overcoming Challenges: How to stay consistent with saving despite societal and financial pressures.
5οΈβ£ π° FU Money: The freedom of financial security and how $100K sets the stage for financial independence.
π Davidβs Links:
π Compound Interest Calculator
π Compound Interest Can Make You Rich!
π° Free Money Course
π Forget About Money on Apple Podcasts
π§ Forget About Money on Spotify
π Episode Highlights:
π Achieving $100K: Why it's a game-changer for young adults.
π Automation and Investing: Tools to start building wealth today.
π Housing, Food, and Transportation: Top three ways to reduce expenses.
π° FU Money: The financial freedom to choose your path.
π Compound Interest: Let your money work harder for you.
#savingmoney #financialindependence #personalfinance
π§ Listen & Subscribe: Join us for more episodes tackling financial independence, wealth-building habits, and strategies to transform your financial future. Hit subscribe and tap the bell π to stay updated!
π Disclaimer: This podcast is for entertainment and informational purposes only and is not financial advice. Always consult a qualified financial advisor before making major financial decisions.
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Karsten Jeske (Big Ern) and Paul Merriman engage in a lively debate about Small Cap Value Investing versus Broad Market Strategies.
Should you tilt your portfolio toward small-cap value to capture a potential risk premium, or is sticking with broad-based funds like VTSAX the more reliable approach? With decades of financial expertise, Karsten and Paul offer opposing yet insightful perspectives to help you refine your long-term investment strategy.
Watch and Subscribe on YouTube
In This Episode, We Discuss:
1οΈβ£ Small Cap Value Premium: π Historical data and its implications for modern portfolios.
2οΈβ£ VTSAX vs. Small Cap Value: βοΈ Should investors embrace simplicity or pursue specialization?
3οΈβ£ Risk Premium Debate: π’ Does small-cap value justify the added risk in todayβs market?
4οΈβ£ Sequence of Returns Risk: β³ The dangers of timing when withdrawing in early retirement.
5οΈβ£ Market Timing vs. Buy-and-Hold: π― Are disciplined investors better off avoiding tactical shifts?
6οΈβ£ Portfolio Construction Tips: ποΈ Allocating assets for growth, diversification, and resilience.
7οΈβ£ Nuances in Factor Investing: π¬ Exploring quality screens, value premiums, and active management.
π Paul Merriman's Links:
π Merriman Financial Education Foundation
π Weβre Talking Millions! 12 Simple Ways to Supercharge Your Retirement (And other Free Book Downloads)
π Quilt Charts (Referenced in the Episode):
πΊ YouTube Video Explaining the Two Charts
Graph 1: 4 US Asset Class Indexes & 4 Fund Combo Relative Return Ranking (1928-2023)
Graph 2: Asset Classes & 4 Fund Combo (1928-2023) - Return Rank Frequency
π Karstenβs Links:
π Early Retirement Now Blog
π Safe Withdrawal Rate Series
π Recent Post on Small Cap Value
π Davidβs Links:
π° Free Money Course
π Forget About Money on Apple Podcasts
π§ Forget About Money on Spotify
#retirement #investing #smallcap #paulmerriman #karstenjeske
π§ Listen & Subscribe: Donβt miss future episodes where we explore the best investment strategies, financial independence, and wealth-building insights. Hit subscribe and tap the bell π to stay updated!
π Disclaimer: This podcast is for entertainment and informational purposes only. It is not financial advice. Always consult a qualified financial advisor before making major financial decisions.
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Saknas det avsnitt?
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π Discover How to Apply Stoic Teachings to Your Finances From practicing temporary poverty to preparing for misfortune, these lessons aren't just about saving moneyβthey're about cultivating a life of virtue and contentment.
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In This Episode, We Discuss:
1οΈβ£ Money is Indifferent: Why your character matters more than your wealth.
2οΈβ£ Live Simply: How eliminating unnecessary desires creates a richer life.
3οΈβ£ Count Your Blessings: Gratitude as a tool for financial clarity.
4οΈβ£ Practice Temporary Poverty: Build resilience by embracing discomfort.
5οΈβ£ Prepare for Misfortune: The power of negative visualization in money management.
6οΈβ£ Choose a Sage: Mentorship and role models for wise financial decisions.
7οΈβ£ Invest in Yourself: Why personal growth is the best investment you can make.
Key Stoic Quotes from the Episode:
π§ "True wealth is found in character, not currency." β Jonas Salzgeber
βοΈ "Focus on whatβs within your control and accept the rest." β Core Stoic Teaching
π‘ "Live simply to live well." β Ancient Stoic Philosophy
π± "Gratitude turns what we have into enough." β Jonas Salzgeber
π‘οΈ "Prepare for challenges in times of peace." β Jonas Salzgeber
π Jonas Salzgeberβs Links:
π The Little Book of Stoicism: Timeless Wisdom to Gain Resilience, Confidence, and Calmness
π NJ Lifehacks Official Site
π§ββοΈ Mastering Flow: Perform Better, Experience More Joy, and Live a Happier Life
π Davidβs Links:
βοΈ Stoicism: The Philosophy of Financial Independence
π° Free Money Course
π Forget About Money on Apple Podcasts
π§ Forget About Money on Spotify
#gratitude #personalfinance #moneylessons #stoicism
π§ Listen & Subscribe:
Join us for more episodes exploring Stoic philosophy, financial independence, and cultivating a mindful approach to money and life. Hit subscribe and tap the bell π to stay updated!π Disclaimer: This podcast is for entertainment and informational purposes only and is not financial advice. Always consult a qualified financial advisor before making major financial decisions.
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π§ Practical Stoicism helps us navigate life's challenges with clarity, acceptance, and emotional resilience. In this episode, Jonas Salzgeber shares how Stoic philosophy can guide us in managing anxiety, aligning our values, and flourishing through virtue and mindfulness.
Watch and Subscribe on YouTube
In this episode, we discuss:
1οΈβ£ Misconceptions About Stoicism: Why Stoicism is not about suppressing emotions but fostering awareness and regulation.
2οΈβ£ Key Themes in Stoicism: Virtue, control, and personal responsibility as pathways to flourishing.
3οΈβ£ Stoicism and Anxiety: How Stoic practices combat the stresses of modern life, including social media and consumerism.
4οΈβ£ Self-Reflection: Discovering your best self through introspection and mindfulness.
5οΈβ£ Gratitude and Perspective: Reframing challenges and embracing lifeβs inherent complexity.
6οΈβ£ Cultural Perspectives: How Stoicism resonates differently across societies and lifestyles.
7οΈβ£ Practical Meditations: Techniques inspired by Stoicism to regulate emotions and find inner peace.
π Jonas Salzgeberβs Links:
π The Little Book of Stoicism: Timeless Wisdom to Gain Resilience, Confidence, and Calmness
π NJ Lifehacks Official Site
π§ββοΈ Mastering Flow: Perform Better, Experience More Joy, and Live a Happier Life
π Notable Quotes
π§ "Be well, despite all the luxury." β Jonas Salzgeber
π€ "You don't really know whether something is good or bad because you don't know the future. Life is more complex than we know or will ever understand." β Jonas Salzgeber
βοΈ "If you didn't learn these things in order to demonstrate them in practice, what did you learn them for?" β Jonas Salzgeber
π± "You can always at least see something as a challenge for you to grow, even if it's really difficult." β Jonas Salzgeber
π‘οΈ "Take responsibility. For the Stoics, you are responsible for your own flourishing in life." β Jonas Salzgeber
π§ "If itβs not right, do not do it. If itβs not true, do not say it." β Marcus Aurelius
π "Seek not for events to happen as you wish, but rather wish for them to happen as they do, and your life will go smoothly." β Epictetus
π "Donβt take life for granted; treat it as a gift and use it well." β Ancient Stoic Philosophy
π― "Focus on whatβs within your control and accept the rest." β Core Stoic Teaching
π Davidβs Links:
βοΈ Stoicism: The Philosophy of Financial Independence
π° Free Money Course
π Forget About Money on Apple Podcasts
π§ Forget About Money on Spotify
#mindfulness #personalgrowth #stoicism #practicalstoicism
π§ Listen & Subscribe: Join us for more episodes exploring Stoic philosophy and its practical applications for modern life. Hit subscribe and tap the bell π to stay updated!
π Disclaimer: This podcast is for entertainment and informational purposes only and is not financial advice. Always consult a qualified financial advisor before making major financial decisions.
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π How do we stop spending money on things we don't need? We cover the psychology of excessive spending, exploring why we buy things we donβt need, how to prioritize our purchases, and strategies to avoid being manipulated by marketing tactics.
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In this episode, we discuss:
1οΈβ£ Why We Spend: Differentiating between needs and wants and how societal pressures influence gifting.
2οΈβ£ Emotional Spending: How marketing and social media fuel impulsive purchases and financial strain.
3οΈβ£ Prioritizing Purchases: The importance of aligning spending with values, like investing for financial independence.
4οΈβ£ Holiday Spending Tips: Setting budgets, automating savings for gifts, and avoiding last-minute overspending traps.
5οΈβ£ Breaking the Cycle: Simple, actionable ways to resist consumer pressures and build a better financial foundation.
π Carlaβs Links:
π Demon Copperhead by Barbara Kingsolver
π Davidβs Links:
π Honey App to track prices
βοΈ Deserve vs. Earn
π° Free Money Course
π Forget About Money on Apple Podcasts
π§ Forget About Money on Spotify
#overspending #personalfinance #financialfreedom
π§ Listen & Subscribe: Join us for more episodes tackling financial independence, frugality, and making smarter spending decisions. Hit subscribe and tap the bell π to stay updated!
π Disclaimer: This podcast is for entertainment and informational purposes only and is not financial advice. Always consult a qualified financial advisor before making major financial decisions.
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β οΈ In this episode, we break down Die With Zero by Bill Perkins, exploring its bold advice to spend rather than save. Is it a life-changing philosophy or a steamroom chat among the elite? We critique its core concepts, discuss why it might harm the average personβs finances, and suggest practical alternatives for living a meaningful life.
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π Whether youβre curious about memory dividends, time bucketing, or how Die With Zero contrasts with financial independence principles, this episode offers an honest, fun, and critical analysis.
In this episode, we discuss:
1οΈβ£ What is Die With Zero? Exploring the premise of spending for experiences over saving and the concept of memory dividends.
2οΈβ£ Time Bucketing and Peak Health: How to align life experiences with physical and financial milestones.
3οΈβ£ Who Die With Zero is For: Why it resonates with millionaires but may miss the mark for others.
4οΈβ£ Critiques and Alternatives: The pitfalls of its spending advice and practical strategies for financial independence.
π Carlaβs Links:
ποΈ Guy Lombardo -- Enjoy Yourself, It's Later Than You Think
π The Art of Frugal Hedonism
π Davidβs Links:
ποΈ The Fun Bucket Strategy: How to Spend Money in Retirement! | Mark Trautman & Kevin Sebesta
π Die With Zero: Nope, because it isnβt worth your money (unless you are a millionaire). If you must, go to a library or just listen to podcasts and blogs about it.
π Die With Zero Reddit
π Die With Zero Author
π° Free Money Course
π Forget About Money on Apple Podcasts
π§ Forget About Money on Spotify
#financialindependence #personalfinance #bookreview #diewithzero #billperkins
π§ Listen & Subscribe: Dive into more episodes where we explore financial independence, frugality, and living meaningfully. Hit subscribe and tap the bell π to stay updated!
π Disclaimer: This podcast is for entertainment and informational purposes only and is not financial advice. Always consult a qualified financial advisor before making significant financial decisions.
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π οΈ What does it take to master the perfect Early Retirement Withdrawal Strategy? In this episode, we talk tax-efficient withdrawals, bridging the "gap years," and the best tactics to optimize Social Securityβall with a fun twist of inner monologues and conspiracy theories!
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π Whether youβre navigating the complexities of early retirement or seeking peace of mind about accessing your funds, this episode is packed with actionable insights and lighthearted moments.
In this episode, we discuss:
1οΈβ£ Strategic Withdrawals: How to optimize taxable, traditional, and Roth accounts for retirement.
2οΈβ£ Managing Gap Years: Tactics for the time between early retirement and age 59Β½.
3οΈβ£ Tax-Efficient Plans: Capitalizing on Roth conversions, taxable accounts, and ACA planning.
4οΈβ£ Required Minimum Distributions (RMDs): Simplifying strategies to minimize tax burdens.
5οΈβ£ Social Security Optimization: When to claim benefits for long-term stability.
6οΈβ£ Peace of Mind: Building a withdrawal plan that works for your lifestyle.
7οΈβ£ Conspiracy Theories and Monologues: Ending with a laugh and thought-provoking reflections.
π Seanβs Links:
π₯ Seanβs YouTube Channel
π€ Accessing Retirement Accounts Prior to Age 59 Β½
π Davidβs Links:
π° Free Money Course
π‘ The Perfect Passive Portfolio for Early Retirement
π Secret IRS Rule 72(t) Explained
π Forget About Money on Apple Podcasts
π§ Forget About Money on Spotify
#retirement #financialindependence #tax #seanmullaney
π§ Listen & Subscribe: Join us for more episodes about financial independence, retirement strategies, and lifestyle design. Donβt forget to hit subscribe and turn on the bell π for updates!
π Disclaimer: The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. David and the Forget About Money podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc., and their services.
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π οΈ What does it take to build the perfect portfolio for early retirement? In this episode, we explore tax-efficient investing, real estate vs. index funds, and even throw in a fun twist with time travel!
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π Whether you're planning for financial independence or navigating changes in 2025 tax laws, this episode is packed with actionable insights, debate, and a little imagination.
In this episode, we discuss:
1οΈβ£ Designing the Perfect Passive Portfolio: The role of index funds like VTSAX in early retirement.
2οΈβ£ Real Estate vs. Index Funds: Which is better for financial independence?
3οΈβ£ Tax-Efficient Contributions: How to maximize Roth IRAs, 401(k)s, HSAs, and taxable accounts.
4οΈβ£ Withdrawal Strategies: Optimizing portfolio withdrawals to minimize taxes in retirement.
5οΈβ£ 2025 Tax Changes: What the upcoming laws mean for retirees and early retirees.
6οΈβ£ Social Security and Early Retirement: Planning around potential tax-free benefits.
7οΈβ£ Time Travel Reflections: A lighthearted look at history, nostalgia, and financial foresight.
π Seanβs Links:
π₯ Seanβs YouTube Channel
π Seanβs Website
π JL Collinsβ Book The Simple Path to Wealth
π Carlaβs Links:
ποΈ Estate Planning with Sean Mullaney on Mile High FI Podcast
π Davidβs Links:
π° Free Money Course
π‘ The Perfect Passive Portfolio for Early Retirement
π Forget About Money on Apple Podcasts
π§ Forget About Money on Spotify
#passiveincome #financialindependence #taxplanningtips #seanmullaney
π§ Listen & Subscribe: Dive into more episodes exploring financial independence, lifestyle strategies, and personal growth! Donβt forget to hit subscribe and turn on the bell π for updates.
π Disclaimer: The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. David and the Forget About Money podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc., and their services.
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π₯ Financial Reddit: Reddit isnβt just a hub for memesβitβs a goldmine for financial insight! In this episode we explore the world of Financial Reddit, breaking down threads on budgeting, early retirement, and the quirks of financial planning.
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π We also touch on personal routines, quirky habits, and how our interactions shape our lives, from sleep health to dating.
In this episode, we discuss:
1οΈβ£ Reddit for Finances: Real-life stories and advice to inspire financial independence.
2οΈβ£ Managing a $3M Windfall: Challenges and opportunities in early retirement.
3οΈβ£ Budget vs. Memories: Smart choices for big vacation spending.
4οΈβ£ Healthcare Costs: ACA subsidies and planning for retirement.
5οΈβ£ Better Sleep Tips: Using white noise and weighted blankets for restful nights.
6οΈβ£ Misophonia Insights: Coping strategies for sound sensitivities.
7οΈβ£ Dating Green Flags: Traits and habits that signal meaningful connections.
π Ericβs Links:
π Hurdlr App
π Carla's Links:
π§ Financial Independence Reddit
π§ Personal Finance Reddit
π Davidβs Links:
π° Free Money Course
π€« What is Misophonia?
π Forget About Money on Apple Podcast
π§ Forget About Money on Spotify
π΄ White Noise Machine
π Sleeping Eye Covers
#reddit #retirementplanning #financialindependence #misophonia
π§ Listen & Subscribe: Dive into more episodes exploring financial independence, lifestyle hacks, and personal growth! Donβt forget to hit subscribe and turn on the bell π for updates.
π Disclaimer: This episode is for entertainment and informational purposes only and is not financial advice. Always consult with a professional for personalized guidance.
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π Retirement lifestyle is more than financial independenceβitβs about building meaningful relationships, embracing adventures, and creating a life focused on joy and simplicity. David, Carla, and Eric Cooper chat about emotional and practical shifts that come with retirement and how to make the most of your time and resources.
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π We share insights on crafting a fulfilling retirement lifestyle, navigating friendships as adults, and even touch on the quirks of Black Friday shopping in retirement!
In this episode, we discuss:
1οΈβ£ Transitioning to Retirement: How to leave behind high-stress work and embrace a purpose-filled retirement.
2οΈβ£ Financial Stability: Balancing market fluctuations with smart withdrawal strategies and rental income.
3οΈβ£ Mindset Shifts: Moving from accumulation to spending and finding fulfillment in experiences.
4οΈβ£ Making Adult Friendships: How to build meaningful connections in the FI community and beyond.
5οΈβ£ Less Crap, More Adventures: Why prioritizing experiences over things creates a richer retirement.
π Eric Cooper Quotes:
π‘ "The easiest way I have found to meet friends as an adult is to attend in-person FI meetings, whether thatβs a local Choose FI group meetup, or in my case, I went to Camp FI my very first week of retirement." β Eric Cooper
π "Less crap, more adventures. Thatβs my mantra." β Eric Cooper
π Ericβs Links:
ποΈ CampFI
βοΈ FI Friends Travel
π EconoMe Conference
π’ FinTalks Cruise
πͺ£ Fun Bucket Strategy
π Davidβs Links:
π° Free Money Course
π‘ Retirement Lifestyle: Building a Meaningful Life After Work
π Forget About Money on Apple Podcast
π§ Forget About Money on Spotify
#retirementplanning #retireearly #financialindependence
π§ Listen & Subscribe: Donβt miss more episodes about crafting your ideal retirement lifestyle! Hit subscribe and the bell icon π to stay updated.
π Disclaimer: This episode is for entertainment and informational purposes only and does not constitute financial advice. Consult with a professional for personalized guidance.
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π In this episode, we explore the dual definitions of "enough money" and discuss the practical and emotional shifts that come after reaching financial independence.
Watch this episode on YouTube
βWe share our thoughts about strategies for transitioning from wealth accumulation to life accumulation, managing legacy goals, and even share some laughs with a law trivia segment and deep-fried tofurkey anecdotes!
In this episode, we discuss:
1οΈβ£ Enough Money to Retire: How to calculate financial independence using the 25x rule and 4% withdrawal rate, and what it means to truly walk away from work.
2οΈβ£ Enough Money to Die: The importance of legacy planning, financial projections for end-of-life goals, and why dying with zero might not be the answer for everyone.
3οΈβ£ Mindset Shifts After FI: The challenge of transitioning from saving to spending and aligning money with your values in retirement.
4οΈβ£ Spending in Retirement: Practical steps to intentionally spend money on experiences, relationships, and what truly brings joy.
5οΈβ£ Memory Dividends in FI: How creating lasting experiences with loved ones offers returns far greater than money can.
π Davidβs Links:
π° Free Money Course
ποΈ How to Spend Money Guilt-Free in Retirement! | Mark Trautman & Kevin Sebesta
π The Top Five Regrets of Dying book
π Forget About Money on Apple Podcast
π§ Forget About Money on Spotify
#financialfreedom #retirementplanning #financialindependence #moneymindset #legacyplanning
π§ Listen & Subscribe: Donβt miss out on this engaging discussion about redefining βenoughβ in financial independence and legacy planning. Hit subscribe and the bell icon π to stay updated on future episodes!
π Disclaimer: This episode is for informational and entertainment purposes only. It is not financial advice. For tailored advice, consult a certified financial planner or advisor.
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π³ Money impacts every aspect of our livesβfrom personal security to emotional well-being. In this episode, we cover why money is important and how it helps us design lives filled with freedom, fulfillment, and happiness.
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βοΈWe explore strategies to manage finances effectively, build habits for financial independence, and even share some personal anecdotes about boiled peanuts and first jobs!
In this episode, we discuss:
1οΈβ£ Money and Happiness: The link between financial security and reduced stress, plus the income thresholds where happiness begins to plateau.
2οΈβ£ Relationships and Money: How financial conflicts arise in partnerships and ways to foster harmony through shared goals and open communication.
3οΈβ£ Generational Cycles: Using financial literacy to break cycles of poverty and create stability for future generations.
4οΈβ£ Building Smart Money Habits: Simple strategies like tracking expenses, automating savings, and filtering spending through personal values.
5οΈβ£ Education and Financial Freedom: The role money plays in accessing quality education and extracurricular opportunities for yourself or your children.
π Carla's Links:
π Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom
π Davidβs Links:
π° Free Money Course
π€ Why is Money Important?
π Experian survey link
π Forget About Money on Apple Podcast
π§ Forget About Money on Spotify
#personalfinance #financialfreedom #moneyhabits
π§ Listen & Subscribe: Donβt miss out on more conversations about achieving financial independence and living intentionally. Hit subscribe and the bell icon π to stay in the loop!
π Disclaimer: This episode is for informational and entertainment purposes only and is not financial advice. For personalized guidance, consult a financial professional.
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π½ Carla and I reveal our picks for the βMount Rushmore of Financial Independence,β highlighting the icons, authors, and community leaders who inspire the FI movement.
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π¬ Additionally, we acknowledge the current tipping culture and how it's gone wild in recent yearsβtipping pressure, guilt, and where we draw the line.
π₯ In this episode, we discuss:
1οΈβ£ Davidβs Mount Rushmore of Financial Independence: Pete Adeney (Mr. Money Mustache), Brad Barrett and Jonathan Mendonsa (ChooseFI), Stephen Baughier (CampFI), and JL Collins (The Simple Path to Wealth)
2οΈβ£ Carlaβs Mount Rushmore of Financial Independence: Vicki Robin (Your Money or Your Life), Paula Pant (Afford Anything), Stephen Baughier (CampFI), and Carl & Mindy Jensen (1500 Days & BiggerPockets Money)
3οΈβ£ Honorable Mentions: Additional FI icons shaping the community
4οΈβ£ Tipping Culture Gone Wild: The growing pressure, frustration, and guilt associated with tipping
π Davidβs Mount Rushmore of Financial Independence:
π Pete Adeney β Mr. Money Mustache
ποΈ Brad Barrett & Jonathan Mendonsa β ChooseFI
ποΈ Stephen Baughier β CampFI
π JL Collins β The Simple Path to Wealth
π Carlaβs Mount Rushmore of Financial Independence:
π Vicki Robin β Your Money or Your Life
π Paula Pant β Afford Anything
ποΈ Stephen Baughier β CampFI
π Carl & Mindy Jensen β 1500 Days
π Honorable Mentions:
ποΈ Diania Merriam β EconoMe Conference
π Jacob Lund Fisker β Early Retirement Extreme
π² Frugalwoods β Frugalwoods Blog
ποΈ Brandon Ganch β Mad Fientist
π Davidβs Links:
π° Free Money Course
ποΈ The Mount Rushmore of Financial Independence: Icons, Community, and Inspiration
π¬ Tipping Culture in America: Has It Gotten Out of Control?
π Forget About Money on Apple Podcast
π§ Forget About Money on Spotify
#tipping #financialindependence #money
π§ Listen & Subscribe: Donβt miss out on more episodes about intentional living and financial independence! Hit subscribe and the bell icon π to stay updated.
π Disclaimer:
This episode is for entertainment and informational purposes only and does not constitute financial advice. Please consult with a professional for guidance specific to your financial situation.
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πͺ Rising prices are changing how we spend. In this episode we talk about whatβs now simply βtoo expensiveβ to buy, from energy drinks to dining out. We share what we and others are cutting back on and explore new, budget-friendly choices for 2024.
In this episode, we discuss:
1οΈβ£ Energy Drinks and Coffee: Swapping pricey energy drinks and cafe coffee for cheaper, at-home caffeine options.
2οΈβ£ Grocery Staples: Rising costs on essentials like cereal make basic breakfasts feel like splurges.
3οΈβ£ Dining Out and Alcohol: High restaurant and bar prices lead to more meals and cocktails made at home.
4οΈβ£ Fresh Produce and Meat: Opting for frozen fruits and buying meat in bulk to stretch the grocery budget.
5οΈβ£ Amazon Prime and Streaming: Reconsidering subscriptions and rotating services to manage monthly expenses.
π Carla's Links:
π Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom
π° Referenced Buzzfeed Article
π David's Links:
π° Free Money Course
π Forget About Money on Apple Podcast
π§ Forget About Money on Spotify
#inflation #frugalliving #budgetingtips
π§ Listen & Subscribe: Donβt miss more episodes on creating a life of intentionality and financial freedom! Hit subscribe and the bell icon π to stay updated.
π Disclaimer: This episode is for entertainment and informational purposes and does not constitute financial advice. Please consult with a professional for specific needs.
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Carla walks us through how the Dual Income, No Kids (DINK) lifestyle enables a life rich in experiences and fulfillment. ποΈ
π¨ This conversation reveals how choosing not to have kids can open doors to financial freedom, personal hobbies, and deep travel experiences, with insights on managing societal expectations and building a life around what truly brings joy.
In This Episode, We Discuss:
1οΈβ£ Defining the DINK Lifestyle: Carla explains what it means to be a DINK and why she and her husband chose this path.
2οΈβ£ Financial Advantages of Being DINK: How saving $310,000 by not raising kids enables investments in travel, hobbies, and a secure future.
3οΈβ£ Freedom to Travel & Pursue Hobbies: Carlaβs adventures on the Pacific Crest Trail, travel in Europe, and finding joy in personal hobbies.
4οΈβ£ Social and Familial Pressures: Navigating societal expectations to have children and creating a fulfilling life outside traditional parenthood.
5οΈβ£ Future Planning Without Kids: Carlaβs strategies for financial security and elder care planning as a DINK.
π Carla's Links:
π€ Tig Notaro Stand-Up
πΊ TV is Fun, But Dangerous!
π David's Links:
π° Free Money Course
π‘ Dual Income No Kids (DINK): The Financial and Lifestyle Benefits of a Child-Free Life
π Forget About Money on Apple Podcast
π§ Forget About Money on Spotify
π Carla's Quotes:
π βPeople assume life without kids is lonely, but itβs full of rich experiences and meaningful connections.β β Carla Cash
#financialfreedom #childfree #travelmore
π§ Listen & Subscribe: Donβt miss more episodes on creating a life of intentionality and financial freedom! Hit subscribe and the bell icon π to stay updated.
π Disclaimer: This episode is for entertainment and informational purposes and does not constitute financial advice. Please consult with a professional for specific needs.
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𧳠Katrina McGhee explains Career Breaks, Gap Years, and Sabbaticalsβempowering you to take a meaningful step back from work and live life on your terms.
From creating a solid financial plan to exploring your personal goals, Katrina walks us through what it takes to make the most of time away and come back stronger. π
In this episode, we discuss:
1οΈβ£ Defining Career Breaks, Gap Years, and Sabbaticals: Katrina clarifies each term and shares who they're best for.
2οΈβ£ Financial Planning: Steps to save and budget for a fulfilling time off.
3οΈβ£ Addressing Common Fears: How to counter doubts about career impact, financial stability, and social pressures.
4οΈβ£ Communicating Your Plan: Tips for discussing your decision with family, friends, and even your employer.
5οΈβ£ Making the Most of Your Break: Setting goals and themes to guide your experience and personal growth.
6οΈβ£ Returning to Work: How to re-enter the workforce confidently and communicate the value of your time off.
π Katrina's Links:
π Taking a Career Break for Dummies
π Katrina McGheeβs Coaching
π§ Profellow: Graduate Study and Professional Development
π David's Links:
π° Free Money Course
π Forget About Money on Apple Podcast
π§ Forget About Money on Spotify
π Katrina McGhee Quotes:
π‘ "A career break isn't just time off; it's an intentional journey toward clarity and fulfillment." β Katrina McGhee
π "Youβre not escaping lifeβyouβre recharging so you can show up better in everything you do." β Katrina McGhee
#financialindependence #financialplanning #gapyear #careerbreak #personalgrowth #toxicworkplace #takeabreak #lifeonyourterms
π§ Listen & Subscribe: Hit subscribe for more episodes that help you take control of your life and career. Tap the bell icon π to stay updated!
π Disclaimer: This episode is for entertainment and informational purposes and does not constitute financial advice. Please consult with a professional for specific needs.
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πͺ Joe Saul-Sehy (Stacking Benjamins) and Paula Pant (Afford Anything) reveal how they built their money podcasts into profitable passion projects, sharing the secrets behind their long-term success in podcasting.
π¨ This conversation explores the journey of building profitable podcasts, the logistics of guest management, and how hosts decide which trends to follow and which to avoid.
In this episode, we discuss:
1οΈβ£ How to Start a Money Podcast: Joe and Paula share how they began, and their strategies for building loyal audiences.
2οΈβ£ Monetizing Your Podcast: They reveal how money podcasts make money and how to create sustainable revenue streams.
3οΈβ£ Guest Selection and Vetting: How to choose engaging guests and avoid common mistakes.
4οΈβ£ Balancing Podcasting and Entrepreneurship: Insights on managing a podcast while pursuing other business ventures.
5οΈβ£ Podcast Growth Strategies: From viral episodes to organic growth, learn how to scale your podcast.
6οΈβ£ Challenges in Podcasting: Behind-the-scenes struggles, including interviews that never aired and topics they regret covering.
π Joe Saul-Sehy's Links:
π§ Stacking Benjamins Podcast
π Joeβs Stacking AdventuresTravel Podcast
π Joe Saul-Sehy's book: Stacked: Your Super-Serious Guide to Modern Money Management
π Paula Pant's Links:
π Afford Anything Course: Your First Rental Property
π§ Afford Anything Newsletter
π Escape E-Book
π David's Links:
π° Free Money Course
π Forget About Money on Apple Podcast
π§ Forget About Money on Spotify
π Joe Saul-Sehy & Paula Pant Quotes:
π‘ "Podcasting is all about relationshipsβyou grow one download at a time by staying authentic." β Joe Saul-Sehy
π "It's not just about making money from a podcast; it's about creating meaningful content that resonates." β Paula Pant
#podcast #podcasting #howtostartapodcast #podcastgrowth #podcastguests #podcastinglife #podcastingjourney #financialindependence
π§ Listen & Subscribe: Hit subscribe for more strategies on building wealth and achieving financial independence. Tap the bell icon π to stay updated!
Disclaimer: This episode is for entertainment and educational purposes only. Always consult a professional for personalized financial or business advice.
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πͺ Karsten Jeske and Brad Finn reveal the essentials of Options Trading and how it can be a game-changer in your journey to Financial Independence.
They break down the basics, demystify the risks, and share powerful strategies like covered calls and cash-secured puts to help you make informed decisions. π
π¨ This conversation explores why Options Trading can be both profitable and riskyβwith practical insights on how it can supplement your investment portfolio and enhance retirement income.
In this episode, we discuss:
1οΈβ£ What is Options Trading? Karsten and Brad explain the fundamentals and how options differ from other investments.
2οΈβ£ Call vs. Put Options: Understanding the types of options and when to use each.
3οΈβ£ Covered Calls and Cash-Secured Puts: How these strategies can generate income and protect your portfolio.
4οΈβ£ Risks and Rewards of Options Trading: Myths about options trading and how to manage potential downsides.
5οΈβ£ Options and Financial Independence: How options trading can play a role in achieving long-term financial goals.
6οΈβ£ Getting Started with Options Trading: Practical steps to begin trading, whether for income or retirement.
π Karsten Jeske's Links:
πΌ Karsten Jeske's Options Page
π Brad Finn's Links:
π Brad Finn YouTube Channel
π David's Links:
π° Free Money Course
π Forget About Money on Apple Podcast
π§ Forget About Money on Spotify
π Karsten Jeske & Brad Finn Quotes:
π‘ "Options trading isnβt one-size-fits-allβitβs about finding the right strategy for your risk profile." β Karsten Jeske
π "Covered calls are like collecting rent on your stocksβsteady income with lower risk." β Brad Finn
#optionstrading #financialindependence #coveredcalls #cashsecuredputs #optionsstrategies #retirementincome
π§ Listen & Subscribe: Hit subscribe for more strategies on building wealth and achieving financial independence. Tap the bell icon π to stay updated!
Disclaimer: This episode is for entertainment and educational purposes only and does not constitute financial or legal advice. Always consult with a professional regarding your specific financial situation.
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πͺ David Pere shares his journey from military service to financial freedom, revealing key Real Estate Investing Strategies that have helped him build wealth.
He discusses house hacking, VA loans, and creative deals that pave the way toward financial independence. ποΈ
π¨ The conversation explores how David grew his portfolio through real estate using unconventional financing. From remote property management to multifamily investing, David offers insights for those eager to start their real estate journey.
In this episode, we discuss:
1οΈβ£ House Hacking for Military Members: How to live nearly rent-free while building equity.
2οΈβ£ Creative Financing in Real Estate: Techniques that minimize upfront costs and maximize returns.
3οΈβ£ VA Loan Real Estate Investing: How to leverage military benefits to build a property portfolio.
4οΈβ£ Remote Real Estate Investing: Managing properties from afar and keeping operations smooth.
5οΈβ£ David Pere Real Estate Journey: How he turned a military career into a real estate empire.
π David Pereβs Links:
π° From Military to Millionaire
π Free Book: The No B.S. Guide to Military Life
π David's Links:
π° Free Money Course
π Forget About Money on Apple Podcast
π§ Forget About Money on Spotify
π David Pere Quotes:
π‘ "House hacking isnβt just a starter strategy; itβs a game-changer for building long-term wealth." β David Pere
π "Creative financing lets you control property without massive cash outlay. Itβs a strategy anyone can use." β David Pere
π‘οΈ "The VA loan is an incredible benefit, and itβs one of the most powerful tools veterans have for building wealth." β David Pere
π§ "Building a community around real estate investing has been crucial to my success and growth." β David Pere
#realestateinvesting #househacking #valoans #creativefinancing #buildingwealththroughrealestate #DavidPere
π§ Listen & Subscribe: Donβt forget to subscribe for more real estate strategies and financial insights! Hit the bell icon π to stay updated.
Disclaimer: This episode is for entertainment and educational purposes only and does not constitute legal, tax, or financial advice. Consult a professional for your specific financial situation.
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π Dan Huffman explores the ins and outs of factor investing, a strategy that focuses on specific drivers like value, size, and momentum to potentially boost long-term returns.
He offers expert insights into how factor investing compares to traditional strategies like VTSAX and chill.ποΈ
π The conversation covers everything from small-cap value investing to the role of momentum in portfolios and whether factor-based strategies can truly beat the market. Dan emphasizes the importance of understanding your risk tolerance and knowing when to rebalance a portfolio.
In this episode, we discuss:
1οΈβ£ What is Factor Investing: How it compares to passive index investing and why it might be worth considering.
2οΈβ£ Value vs. Growth Investing: Breaking down the key differences and potential advantages.
3οΈβ£ Small-Cap Value Investing: Why this specific factor gets so much attention and how it may affect portfolio performance.
4οΈβ£ Momentum Factor Investing: A look at how recent winners continue to perform.
5οΈβ£ Rebalancing Factor Portfolios: How often should you be reviewing and adjusting?
π Dan Huffmanβs Links:
π‘ Cornerstone Financial Planning: https://cornerstonefiplanning.com/
π Size Matters if You Can Control Your Junk: https://www.sciencedirect.com/science/article/pii/S0304405X18301326?via%3Dihub
π Kenneth French Data Library: http://mba.tuck.dartmouth.edu/pages/faculty/ken.french/data_library.html
π Portfolio Visualizer Backtesting Tool: https://www.portfoliovisualizer.com/
π David's Links:
π° Free Money Course
π Forget About Money on Apple Podcast
π§ Forget About Money on Spotify
π Dan Huffman Quotes:
π‘ "Factor investing isnβt for everyone, but for those who want to go beyond traditional index funds, it offers a way to optimize long-term returns." β Dan Huffman
π "The academic research is clearβfactors like value and size have outperformed the broad market over time." β Dan Huffman
#financialindependence #valueinvesting #indexfunds #investingstrategies #FactorInvesting
π§ Listen & Subscribe: Donβt forget to subscribe for more information on investment strategies, financial independence, and more! Hit the bell icon π to stay updated.
Disclaimer: This episode is for entertainment and educational purposes only and does not constitute legal, tax, or financial advice. Consult a professional for your specific financial situation.
- Visa fler
