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In this engaging podcast episode, Joseph, the owner of Iron Hawk Financial, shares his personal journey and the motivations behind his career in financial and estate planning. He discusses the importance of life insurance as an asset, different long-term care strategies, and the potential financial pitfalls that individuals face due to a lack of planning.
Joseph provides valuable insights into IRS code 7702, which offers tax advantages through life insurance. He underscores the need for proactive financial planning to protect assets and ensure a secure financial future. Additionally, he reveals his methods for helping clients save money on taxes and build tax-free pensions, drawing from his extensive 22 years of industry experience.
With a personal story that highlights the real consequences of inadequate financial planning, Joseph makes a compelling case for life and disability insurance as essential components of a sound financial strategy.
00:00 Introduction and Guest Welcome
00:11 Joseph's Professional Background
00:54 Accolades and Achievements
02:06 Personal Story and Motivation
03:07 Challenges and Family Struggles
04:53 Realization and Career Shift
08:49 Importance of Life Insurance
14:04 Life Insurance Loopholes and Benefits
24:12 Final Thoughts and Contact Information
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🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Feeling overwhelmed by where to start with your finances? In today’s episode, I’m breaking down how to conduct your own personal financial audit in a simple, actionable way. No complicated spreadsheets are required. Whether you’re looking for clarity, control, or just a starting point, this episode will provide you personal finance tips for assessing your spending, savings, and debt so you can confidently move forward with your financial goals.
What You’ll Learn in This Episode:
✅ Learn how to categorize and track your expenses, from fixed bills to everyday spending like groceries, fuel, and entertainment. I’ll show you how to spot opportunities for savings without feeling restricted.
✅ Find out how to calculate your current savings percentage and why it’s a key indicator of financial stability. Plus, I’ll share a powerful mindset shift to help you balance saving for today and planning for your future self.
✅ Debt vs. Savings I dive into the age-old debate of save for retirement or pay off debt. Listen in as I share a real-life client scenario and how we determined the best approach based on her financial goals.
If today’s episode sparks the need for deeper financial insight, I invite you to join my Retirement Ready VIP Session, where we take a detailed, personalized approach to your financial audit and create a clear plan forward.
Mentioned in This Episode:
🎧 Episode 30: Why Savings is the #1 Financial Habit
🎧 Episode 5: Should You Pay Off Debt or Save?
🎧 Episode 102: Redefining Your Debt Relationship and Taking Control For Retirement
If this episode helped you gain clarity on your finances, share it with a friend and leave a review.
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🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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In this episode, Freddie Rappina, founder of Opta Financial, discusses the difference between two financial strategies: “checkers” and “chess.” He explains how traditional financial planning, which focuses on saving and debt reduction, is like playing checkers, while wealth-building through leveraging debt and investing in cash-flowing assets like real estate is akin to chess.
What You’ll Learn
✅ The differences between conventional saving strategies and the more dynamic
✅ The crucial mindset shift needed to embrace using debt as a tool for building income-generating assets
✅ How real estate investments can help you play the game of chess to advance your wealth
Connect with Freddie
Book: https://playingthewealthgame.com/
Website: https://www.optafinancial.com/
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🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Feeling overwhelmed with retirement planning? This episode helps simplify the process by highlighting two key starting points. By focusing on these foundational pieces, you’ll gain clarity on where to begin and uncover the next steps to move forward with confidence.
This episode breaks down retirement planning by focusing on key areas like budgeting, spending, and saving while helping you define your financial independence number. It also highlights the importance of envisioning your ideal retirement lifestyle by incorporating your goals, hobbies, and daily activities.
What You’ll Learn:
✅ The best place to start with retirement planning
✅ How your current financial situation shapes your retirement path
✅ How to assess and plan for your retirement expenses
✅ The impact of your lifestyle and goals on your retirement budget
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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In this podcast episode, estate and elder law attorney Asha Paulose discusses important steps in planning for aging parents' long-term care and financial needs. She emphasizes the importance of early and continuous conversations with parents and outlines critical legal documents like healthcare proxies and powers of attorney.
Asha explains common mistakes families make, such as mishandling property transfers and joint accounts, and highlights the role of Medicare and Medicaid in covering long-term care costs. She also offers advice on leveraging legal expertise to ensure both parents' and caregivers' interests are protected.
What You’ll Learn From the Podcast:
✅ Why long-term care planning is an often-overlooked aspect of retirement planning
✅ How to initiate difficult conversations with parents about aging and long-term care
✅ The key documents that families should have in place for protection
✅ Difference between Wills and Trusts
Whether you’re dealing with the complexities of long-term care planning or just starting the conversation, this episode provides valuable advice to help you protect your parents’ future and ensure their wishes are carried out.
Connect with Asha:
Website
Email: [email protected]
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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In today's episode, I’m sharing an inspiring success story of one of my amazing clients who transformed her financial life in just three months. She paid off $5,000 in debt, saved $2,500, and even started planning for travel. If you’ve ever felt stuck in the paycheck-to-paycheck cycle and unsure how to balance debt payoff with saving, this episode is for you.
What You’ll Learn in This Episode:
✅ The real reason budgeting alone isn’t enough
✅ How to balance saving while paying off debt
✅ The three key changes my client made that led to her financial success
✅ The importance of setting up a cash flow system that works for you
Action Steps:
If you feel like you’re doing all the right things but still not making financial progress, it might be time to look at what’s missing. Book a Retirement Ready VIP Session to get a clear picture of your financial situation and identify what adjustments can help you reach your goals.
Resources Mentioned:
Episode 30: Why Savings is the #1 Habit for Financial Success
Questions: Schedule a free Q&A call
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Whether you’re childfree by choice or circumstance, guest Jay Zigmont shares the unique financial and life planning challenges for childfree individuals. He shares customized financial strategies that prioritize personal goals over traditional life scripts. Tune into this episode to understand the unique way to look at your finances, retirement, and death when life’s circumstances don’t fit the norm.
What You’ll Learn:
✅ Rethinking retirement when leaving a legacy is not the end goal
✅ How and when to plan for long-term care
✅ How to select your medical decision-makers
Connect with Jay:
Email
Website
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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You’re ready to payoff debt and not sure if debt snowball or debt avalanche method is best. In this episode, I describe five (5) different strategies you could implement to become debt free. Listen in as I guide you through how to create your own debt payoff plan and be successful in becoming debt free before retirement.
What You’ll Learn:
✅ Why does your debt continue to grow even with the efforts you’ve put in to paying it off?
✅ Choose the best strategy that fits you, your personality, and your goals best.
✅ Learn how to achieve success by honing your focus and clarifying your “why.”
Resources Mentioned in Episode
Episode 007: Emergency Fund - The #1 Way to Eliminate Debt FAST
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Being generous doesn’t have to be just about money, and Alison Patterson agrees. Working as a philanthropic advisor, she helps individuals choose their best form of generosity to support their time, energy, and money in retirement. Listen in to learn what is generosity, and how to explore opportunities for you that best fit your values.
What You’ll Learn in This Episode:
✅ Philanthropy in Retirement: Discover how incorporating philanthropy into your retirement plan can enhance both your financial strategy and overall fulfillment.
✅ Find Your Why: Learn how to craft a generosity statement that reflects your core values, ensuring your giving is intentional and meaningful.
✅ Explore how curiosity can lead you to unexpected and impactful giving opportunities in your community and beyond.
Connect With Alison:
Website
Instagram
LinkedIn
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Debt is a part of financial life, but it doesn’t have to define you. In this episode, I dive deep into the reasons we accumulate debt, the emotional and financial weight it carries, and how to take back control. Through real client scenarios, we’ll explore common debt challenges and practical solutions. You’ll walk away with a fresh perspective on your debt relationship and actionable steps to create financial clarity.
What You’ll Learn in This Episode:
✅ Why we get into debt—unexpected expenses, major life changes, and financial habits
✅ How to shift your mindset and create a positive relationship with debt
✅ The importance of budgeting and tracking debt for financial confidence
✅ Three real-life client scenarios and their strategies for overcoming debt
✅ A simple action step: creating your personal debt awareness list
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Get a clear plan for retirement! Book your Retirement Strategy Session today and take the guesswork out of your future.
In this episode, I welcome therapist Lindsey Carnick to discuss managing stress, anxiety, and financial conversations within relationships. Lindsay, licensed in nine states and experienced in keynote speaking, offers insights on creating a safe space for financial discussions, understanding the emotional charge behind money conversations, and maintaining healthy communication habits. She shares practical tips and exercises for couples to foster connection and trust while addressing financial goals and individual spending preferences.
00:00 Introduction and Guest Welcome
01:06 Creating a Safe Space for Financial Discussions
06:35 Emotional Charge in Financial Conversations
11:05 Balancing Shared Goals and Individual Preferences
18:21 Habits for Healthy Communication
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Join the Savings Challenge Waitlist HERE
In the milestone 100th episode, I share about my initial skepticism and gradual success, including reaching the top 5% globally in the education category. I further the most popular episodes, covering topics like cash flow management and retirement savings. Looking for support from my amazing listeners, I request feedback and reviews and announce plans for future guest episodes and a new Savings Academy.
Listeners are encouraged to submit questions for upcoming Q&A episodes.
00:00 Welcome to the 100th Episode!
01:33 Reflecting on the Podcast Journey
02:18 Launching the Podcast
04:16 Achieving Top 5% Globally
05:59 Expanding Content and Guest Episodes
08:14 Top 5 Episodes Revealed
13:43 Listener Engagement and Future Plans
The Top 5 Episodes
Ep 63 Why You Feel Broke and How to Manage Your Cash Flow Effectively
Ep 60 5 Steps to Becoming Your Own Financial Advisor
Ep 56 How To Bridge the Retirement Savings Gap - Strategies to Catch Up and Thrive
Ep 59 4 Simple Steps to Master Consistent Savings
Ep 78 | 3 Ways to Make Sure You're On Track to Retirement
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Get a clear plan for retirement! Book your Retirement Strategy Session today and take the guesswork out of your future.
In this episode, my guest Jim Manning shares his journey from a Jesuit-educated insurance paperwork pusher to a mission-driven real estate investor. He shares his passion for transforming properties into homes, scaling his business using private lending, and the importance of prioritizing family and fulfillment over financial gain.
Jim also offers insights on how investing in real estate can provide significant benefits compared to traditional stock market investments, and provides advice for prospective investors looking to achieve financial freedom.
00:00 Introduction and Guest Welcome
00:11 Jim Manning's Background and Early Career
00:44 Discovering Real Estate Investing
01:22 Scaling the Business with Private Lending
02:54 The Impact of Homeownership
03:43 Personal Reflections and Business Evolution
06:29 Balancing Family and Financial Freedom
09:40 Real Estate vs. Stock Market Investments
14:34 Lessons from a Self-Made Billionaire
18:42 Connecting with Jim Manning
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Download the Retirement Readiness Checklist now to take the first step toward a clear and confident retirement plan!
In the final part of the Retirement 101 series, the focus is on creating a fulfilling and meaningful retirement lifestyle.
This episode includes practical advice on envisioning and planning great experiences, seasonal activities, and day-to-day routines that align with personal interests and goals. Emphasis is placed on the importance of planning ahead to avoid boredom and ensure a satisfying retirement.
Additionally, the episode encourages testing out these experiences and creating a retirement budget to support the envisioned lifestyle.
01:09 Creating a Retirement Lifestyle You'll Love
03:06 Vision Exercise for Retirement
05:25 Seasonal Experiences in Retirement
07:17 Day-to-Day Planning for Retirement
13:02 Testing Your Retirement Plan
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today!
In this episode, we dive into the fascinating world of behavioral investing with Rick, a financial advisor from Dallas who specializes in helping people make smarter money decisions. But forget boring investment talk - this episode is all about understanding how our emotions and actions affect our financial success.
Think of it like sports: Having the best equipment helps, but what really matters is how you use it. Rick explains that the same goes for money - it's not just about picking good investments, but about sticking to your game plan even when things get tough.
Throughout the episode, Rick emphasizes that financial success isn't just about math - it's about building good habits and staying committed to your goals, even when it's challenging.
00:00 Introduction and Guest Background
01:27 Understanding Behavioral Investing
05:20 The Impact of Fear on Investing
10:20 Principles for Successful Long-Term Investing
15:05 Tax Management Strategies
18:26 Developing a Stronger Behavior-Based Approach
22:41 Final Thoughts and Action Steps
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Download the Retirement Readiness Checklist now to take the first step toward a clear and confident retirement plan!
In part three of the Retirement 101 series, the focus is on creating an estimated retirement budget. The episode guides listeners through important steps such as identifying recurring expenses, recognizing what costs will decrease post-retirement, and planning for new expenses like medical premiums.It also explains how to calculate your annual expenses and retirement savings gap. The importance of consistent retirement savings and strategies for auditing and simplifying current expenses to better align with retirement goals are discussed.
00:58 Recap of Parts One and Two
01:49 Preparing for Retirement: 2-3 Years Out
02:16 Creating an Estimated Retirement Budget
03:06 Understanding and Adjusting Expenses
08:01 Estimating Retirement Income
09:04 Defining Your Retirement Savings Gap
13:32 Strategies for Closing the Savings Gap
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today!
In this episode, Steve Selengut, a seasoned investor and income coach, shares his journey from growing up in an investment-oriented community to retiring with over $110 million under management. Steve emphasizes the importance of multiple income streams, the value of taking profits, and building an income-focused portfolio.
Listeners will learn about the six principles of investing discussed in Steve's book 'Retirement Money Secrets' and gain actionable insights on how to assess and enhance their portfolios. Whether you're new to investing or looking to optimize your retirement income, Steve provides practical advice and strategies for achieving financial independence.
00:00 Introduction
00:17 Early Investment Journey
01:32 Developing a Trading Strategy
02:56 Transition to Professional Management
05:09 Becoming an Income Coach
05:18 Income Independence Explained
07:08 Coaching Approach and Client Fit
11:19 Advice for Listeners
15:26 Book Overview and Key Principles
21:04 Final Thoughts and Contact Information
Connect with Steve:
The Income Coach
Retirement Money Secrets Book
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Submit your questions here!
Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today!
This episode is Part 2 of the retirement series and today we’re focusing on gaining clarity and confidence as you approach your retirement, specifically if you are five years away. I will discuss the importance of tackling high-interest debt, understanding risk tolerance, and resolving any fears or doubts you may have regarding retirement.
Learn how to manage your debt, assess your risk tolerance, and create a positive relationship with your finances. This episode is part of a four-part series designed to help you prepare efficiently for retirement.
00:47 The Purpose of the Series
02:24 Gaining Clarity and Confidence
02:56 Tackling Debt Before Retirement
07:11 Assessing Risk Tolerance
11:10 Addressing Retirement Fears and Doubts
14:52 Continuous Learning and Growth
Resources Mentioned in the Episode:
Five Ways to Get Out of Debt Without Sacrificing The Joys of Life
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today!
Today’s guest interview is with David Kerlin, an expert on Medicare and health insurance, about his journey from a manufacturing career to becoming a trusted Medicare advisor.David shares his personal health transformation and his extensive experience in Medicare, addressing common misconceptions such as the belief that Medicare is free and explaining the differences between Medicare Supplement and Medicare Advantage plans. He emphasizes the importance of evaluating individual medical needs, starting the Medicare enrollment process early, and consulting trusted advisors.
00:25 David's Journey with Weight and Health
01:37 First Encounter with Medicare
02:38 Understanding Medicare Costs and Plans
04:47 Choosing the Right Medicare Plan
10:01 Open Enrollment and Plan Changes
12:24 Common Misconceptions and Advice
13:26 Navigating Medicare with Professional Help
Connect with David:
Facebook
Email David
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
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Download the Retirement Readiness Checklist now to take the first step toward a clear and confident retirement plan!
In this episode, I kick off a four-part series focused on building a successful retirement plan. This episode dives into the first steps of laying a solid foundation. Key topics include tracking expenses, building an emergency fund, and contributing to retirement savings.Be sure to stay tuned for Part Two next week on risk tolerance, asset allocation, financial planning, and managing debt in retirement.
00:44 Introducing the Retirement Series
05:49 The Importance of Tracking Expenses
08:37 Building Financial Stability
11:48 Contributing to Retirement Savings
💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.👩💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.
- Visa fler
