Avsnitt

  • ๐Ÿง˜ 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: 

    1๏ธโƒฃ Misconceptions About Stoicism: Why Stoicism is not about suppressing emotions but fostering awareness and regulation. 

    2๏ธโƒฃ Key Themes in Stoicism: Virtue, control, and personal responsibility as pathways to flourishing. 

    3๏ธโƒฃ Stoicism and Anxiety: How Stoic practices combat the stresses of modern life, including social media and consumerism. 

    4๏ธโƒฃ Self-Reflection: Discovering your best self through introspection and mindfulness. 

    5๏ธโƒฃ Gratitude and Perspective: Reframing challenges and embracing lifeโ€™s inherent complexity. 

    6๏ธโƒฃ Cultural Perspectives: How Stoicism resonates differently across societies and lifestyles. 

    7๏ธโƒฃ Practical Meditations: Techniques inspired by Stoicism to regulate emotions and find inner peace.

    ๐Ÿ”— Jonas Salzgeberโ€™s Links: 

    ๐Ÿ“˜ The Little Book of Stoicism: Timeless Wisdom to Gain Resilience, Confidence, and Calmness

    ๐ŸŒ NJ Lifehacks Official Site

    ๐Ÿง˜โ€โ™‚๏ธ Mastering Flow: Perform Better, Experience More Joy, and Live a Happier Life

    ๐Ÿ“ Notable Quotes 

    ๐Ÿง˜ "Be well, despite all the luxury." โ€“ Jonas Salzgeber 

    ๐Ÿค” "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." โ€“ Jonas Salzgeber 

    โœ๏ธ "If you didn't learn these things in order to demonstrate them in practice, what did you learn them for?" โ€“ Jonas Salzgeber 

    ๐ŸŒฑ "You can always at least see something as a challenge for you to grow, even if it's really difficult." โ€“ Jonas Salzgeber 

    ๐Ÿ›ก๏ธ "Take responsibility. For the Stoics, you are responsible for your own flourishing in life." โ€“ Jonas Salzgeber 

    ๐Ÿง  "If itโ€™s not right, do not do it. If itโ€™s not true, do not say it." โ€“ Marcus Aurelius 

    ๐ŸŒŠ "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." โ€“ Epictetus 

    ๐ŸŽ "Donโ€™t take life for granted; treat it as a gift and use it well." โ€“ Ancient Stoic Philosophy 

    ๐ŸŽฏ "Focus on whatโ€™s within your control and accept the rest." โ€“ Core Stoic Teaching

    ๐Ÿ”— Davidโ€™s Links:

    โœ๏ธ Stoicism: The Philosophy of Financial Independence

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcasts

    ๐ŸŽง Forget About Money on Spotify

    #mindfulness #personalgrowth #stoicism #practicalstoicism   

    ๐ŸŽง Listen & Subscribe: Join us for more episodes exploring Stoic philosophy and its practical applications for modern life. Hit subscribe and tap the bell ๐Ÿ”” to stay updated!

    ๐Ÿ“œ 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.

  • ๐ŸŽ 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 donโ€™t need, how to prioritize our purchases, and strategies to avoid being manipulated by marketing tactics.

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    In this episode, we discuss: 

    1๏ธโƒฃ Why We Spend: Differentiating between needs and wants and how societal pressures influence gifting.  

    2๏ธโƒฃ Emotional Spending: How marketing and social media fuel impulsive purchases and financial strain.  

    3๏ธโƒฃ Prioritizing Purchases: The importance of aligning spending with values, like investing for financial independence.  

    4๏ธโƒฃ Holiday Spending Tips: Setting budgets, automating savings for gifts, and avoiding last-minute overspending traps.  

    5๏ธโƒฃ Breaking the Cycle: Simple, actionable ways to resist consumer pressures and build a better financial foundation.

    ๐Ÿ”— Carlaโ€™s Links: 

    ๐Ÿ“˜ Demon Copperhead by Barbara Kingsolver

    ๐Ÿ”— Davidโ€™s Links: 

    ๐Ÿ›’ Honey App to track prices

    โš–๏ธ Deserve vs. Earn

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcasts

    ๐ŸŽง Forget About Money on Spotify

    #overspending #personalfinance #financialfreedom

    ๐ŸŽง Listen & Subscribe: Join us for more episodes tackling financial independence, frugality, and making smarter spending decisions. Hit subscribe and tap the bell ๐Ÿ”” to stay updated!

    ๐Ÿ“œ 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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  • โš ๏ธ 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 personโ€™s finances, and suggest practical alternatives for living a meaningful life.  

    Watch and Subscribe on YouTube

    ๐Ÿ’Ž Whether youโ€™re 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: 

    1๏ธโƒฃ What is Die With Zero? Exploring the premise of spending for experiences over saving and the concept of memory dividends. 

    2๏ธโƒฃ Time Bucketing and Peak Health: How to align life experiences with physical and financial milestones. 

    3๏ธโƒฃ Who Die With Zero is For: Why it resonates with millionaires but may miss the mark for others. 

    4๏ธโƒฃ Critiques and Alternatives: The pitfalls of its spending advice and practical strategies for financial independence.

    ๐Ÿ”— Carlaโ€™s Links: 

    ๐ŸŽ™๏ธ Guy Lombardo -- Enjoy Yourself, It's Later Than You Think

    ๐Ÿ“˜ The Art of Frugal Hedonism

    ๐Ÿ”— Davidโ€™s Links: 

    ๐Ÿ–๏ธ The Fun Bucket Strategy: How to Spend Money in Retirement! | Mark Trautman & Kevin Sebesta

    ๐Ÿ“˜ Die With Zero: Nope, because it isnโ€™t worth your money (unless you are a millionaire). If you must, go to a library or just listen to podcasts and blogs about it. 

    ๐Ÿ“˜ Die With Zero Reddit

    ๐Ÿ“˜ Die With Zero Author

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcasts

    ๐ŸŽง Forget About Money on Spotify

    #financialindependence #personalfinance #bookreview #diewithzero #billperkins

    ๐ŸŽง Listen & Subscribe: Dive into more episodes where we explore financial independence, frugality, and living meaningfully. Hit subscribe and tap the bell ๐Ÿ”” to stay updated!

    ๐Ÿ“œ 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.

  • ๐Ÿ› ๏ธ 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 Securityโ€”all with a fun twist of inner monologues and conspiracy theories!  

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    ๐ŸŒŸ Whether youโ€™re 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: 

    1๏ธโƒฃ Strategic Withdrawals: How to optimize taxable, traditional, and Roth accounts for retirement. 

    2๏ธโƒฃ Managing Gap Years: Tactics for the time between early retirement and age 59ยฝ. 

    3๏ธโƒฃ Tax-Efficient Plans: Capitalizing on Roth conversions, taxable accounts, and ACA planning. 

    4๏ธโƒฃ Required Minimum Distributions (RMDs): Simplifying strategies to minimize tax burdens. 

    5๏ธโƒฃ Social Security Optimization: When to claim benefits for long-term stability. 

    6๏ธโƒฃ Peace of Mind: Building a withdrawal plan that works for your lifestyle. 

    7๏ธโƒฃ Conspiracy Theories and Monologues: Ending with a laugh and thought-provoking reflections.

    ๐Ÿ”— Seanโ€™s Links: 

    ๐ŸŽฅ Seanโ€™s YouTube Channel

    ๐Ÿค” Accessing Retirement Accounts Prior to Age 59 ยฝ

    ๐Ÿ”— Davidโ€™s Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ’ก The Perfect Passive Portfolio for Early Retirement

    ๐Ÿš€ Secret IRS Rule 72(t) Explained

    ๐Ÿ Forget About Money on Apple Podcasts

    ๐ŸŽง Forget About Money on Spotify

    #retirement #financialindependence #tax #seanmullaney 

    ๐ŸŽง Listen & Subscribe: Join us for more episodes about financial independence, retirement strategies, and lifestyle design. Donโ€™t forget to hit subscribe and turn on the bell ๐Ÿ”” for updates!

    ๐Ÿ“œ 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.

  • ๐Ÿ› ๏ธ 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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    ๐ŸŒŸ 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: 

    1๏ธโƒฃ Designing the Perfect Passive Portfolio: The role of index funds like VTSAX in early retirement. 

    2๏ธโƒฃ Real Estate vs. Index Funds: Which is better for financial independence? 

    3๏ธโƒฃ Tax-Efficient Contributions: How to maximize Roth IRAs, 401(k)s, HSAs, and taxable accounts. 

    4๏ธโƒฃ Withdrawal Strategies: Optimizing portfolio withdrawals to minimize taxes in retirement.

    5๏ธโƒฃ 2025 Tax Changes: What the upcoming laws mean for retirees and early retirees. 

    6๏ธโƒฃ Social Security and Early Retirement: Planning around potential tax-free benefits. 

    7๏ธโƒฃ Time Travel Reflections: A lighthearted look at history, nostalgia, and financial foresight.

    ๐Ÿ”— Seanโ€™s Links: 

    ๐ŸŽฅ Seanโ€™s YouTube Channel

    ๐ŸŒ Seanโ€™s Website

    ๐Ÿ“˜ JL Collinsโ€™ Book The Simple Path to Wealth

    ๐Ÿ”— Carlaโ€™s Links: 

    ๐ŸŽ™๏ธ Estate Planning with Sean Mullaney on Mile High FI Podcast

    ๐Ÿ”— Davidโ€™s Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ’ก The Perfect Passive Portfolio for Early Retirement

    ๐Ÿ Forget About Money on Apple Podcasts

    ๐ŸŽง Forget About Money on Spotify

    #passiveincome #financialindependence #taxplanningtips #seanmullaney

    ๐ŸŽง Listen & Subscribe: Dive into more episodes exploring financial independence, lifestyle strategies, and personal growth! Donโ€™t forget to hit subscribe and turn on the bell ๐Ÿ”” for updates.

    ๐Ÿ“œ 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.

  • ๐Ÿ”ฅ Financial Reddit: Reddit isnโ€™t just a hub for memesโ€”itโ€™s 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.

    Watch and Subscribe on YouTube

    ๐ŸŒŸ 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:

    1๏ธโƒฃ Reddit for Finances: Real-life stories and advice to inspire financial independence. 

    2๏ธโƒฃ Managing a $3M Windfall: Challenges and opportunities in early retirement. 

    3๏ธโƒฃ Budget vs. Memories: Smart choices for big vacation spending. 

    4๏ธโƒฃ Healthcare Costs: ACA subsidies and planning for retirement. 

    5๏ธโƒฃ Better Sleep Tips: Using white noise and weighted blankets for restful nights. 

    6๏ธโƒฃ Misophonia Insights: Coping strategies for sound sensitivities. 

    7๏ธโƒฃ Dating Green Flags: Traits and habits that signal meaningful connections.

    ๐Ÿ”— Ericโ€™s Links: 

    ๐Ÿ“Š Hurdlr App

    ๐Ÿ”— Carla's Links: 

    ๐ŸŸง Financial Independence Reddit

    ๐ŸŸง Personal Finance Reddit

    ๐Ÿ”— Davidโ€™s Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿคซ What is Misophonia?

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ˜ด White Noise Machine

    ๐Ÿ›Œ Sleeping Eye Covers

    #reddit #retirementplanning #financialindependence #misophonia

    ๐ŸŽง Listen & Subscribe: Dive into more episodes exploring financial independence, lifestyle hacks, and personal growth! Donโ€™t forget to hit subscribe and turn on the bell ๐Ÿ”” for updates.

    ๐Ÿ“œ Disclaimer: This episode is for entertainment and informational purposes only and is not financial advice. Always consult with a professional for personalized guidance.

  • ๐ŸŽ‰ Retirement lifestyle is more than financial independenceโ€”itโ€™s 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.  

    Watch and Subscribe on YouTube

    ๐ŸŒŸ 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: 

    1๏ธโƒฃ Transitioning to Retirement: How to leave behind high-stress work and embrace a purpose-filled retirement. 

    2๏ธโƒฃ Financial Stability: Balancing market fluctuations with smart withdrawal strategies and rental income. 

    3๏ธโƒฃ Mindset Shifts: Moving from accumulation to spending and finding fulfillment in experiences. 

    4๏ธโƒฃ Making Adult Friendships: How to build meaningful connections in the FI community and beyond. 

    5๏ธโƒฃ Less Crap, More Adventures: Why prioritizing experiences over things creates a richer retirement.

    ๐Ÿ“œ Eric Cooper Quotes:  

    ๐Ÿ’ก "The easiest way I have found to meet friends as an adult is to attend in-person FI meetings, whether thatโ€™s a local Choose FI group meetup, or in my case, I went to Camp FI my very first week of retirement." โ€” Eric Cooper 

     ๐ŸŒ "Less crap, more adventures. Thatโ€™s my mantra." โ€” Eric Cooper

    ๐Ÿ”— Ericโ€™s Links: 

    ๐Ÿ•๏ธ CampFI

    โœˆ๏ธ FI Friends Travel 

    ๐ŸŒ EconoMe Conference

    ๐Ÿšข FinTalks Cruise

    ๐Ÿชฃ Fun Bucket Strategy

    ๐Ÿ”— Davidโ€™s Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿก Retirement Lifestyle: Building a Meaningful Life After Work

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    #retirementplanning #retireearly #financialindependence

    ๐ŸŽง Listen & Subscribe: Donโ€™t miss more episodes about crafting your ideal retirement lifestyle! Hit subscribe and the bell icon ๐Ÿ”” to stay updated.

    ๐Ÿ“œ Disclaimer: This episode is for entertainment and informational purposes only and does not constitute financial advice. Consult with a professional for personalized guidance.

  • ๐Ÿ“Š 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

    โ“We 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: 

    1๏ธโƒฃ 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. 

    2๏ธโƒฃ 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. 

    3๏ธโƒฃ Mindset Shifts After FI: The challenge of transitioning from saving to spending and aligning money with your values in retirement. 

    4๏ธโƒฃ Spending in Retirement: Practical steps to intentionally spend money on experiences, relationships, and what truly brings joy. 

    5๏ธโƒฃ Memory Dividends in FI: How creating lasting experiences with loved ones offers returns far greater than money can.

    ๐Ÿ”— Davidโ€™s Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ–๏ธ How to Spend Money Guilt-Free in Retirement! | Mark Trautman & Kevin Sebesta

    ๐Ÿ“˜ The Top Five Regrets of Dying book

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify 

    #financialfreedom #retirementplanning #financialindependence #moneymindset #legacyplanning   

    ๐ŸŽง Listen & Subscribe: Donโ€™t miss out on this engaging discussion about redefining โ€œenoughโ€ in financial independence and legacy planning. Hit subscribe and the bell icon ๐Ÿ”” to stay updated on future episodes!

    ๐Ÿ“œ 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.

  • ๐Ÿ’ณ Money impacts every aspect of our livesโ€”from 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.   

    Watch and Subscribe on YouTube

    โœ๏ธWe 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: 

    1๏ธโƒฃ Money and Happiness: The link between financial security and reduced stress, plus the income thresholds where happiness begins to plateau. 

    2๏ธโƒฃ Relationships and Money: How financial conflicts arise in partnerships and ways to foster harmony through shared goals and open communication. 

    3๏ธโƒฃ Generational Cycles: Using financial literacy to break cycles of poverty and create stability for future generations. 

    4๏ธโƒฃ Building Smart Money Habits: Simple strategies like tracking expenses, automating savings, and filtering spending through personal values. 

    5๏ธโƒฃ Education and Financial Freedom: The role money plays in accessing quality education and extracurricular opportunities for yourself or your children.

    ๐Ÿ”— Carla's Links: 

    ๐Ÿ“˜ Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom

    ๐Ÿ”— Davidโ€™s Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿค” Why is Money Important?

    ๐Ÿ“ Experian survey link

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    #personalfinance #financialfreedom #moneyhabits   

    ๐ŸŽง Listen & Subscribe: Donโ€™t miss out on more conversations about achieving financial independence and living intentionally. Hit subscribe and the bell icon ๐Ÿ”” to stay in the loop!

    ๐Ÿ“œ Disclaimer: This episode is for informational and entertainment purposes only and is not financial advice. For personalized guidance, consult a financial professional.

  • ๐Ÿ—ฝ Carla and I reveal our picks for the โ€œMount Rushmore of Financial Independence,โ€ highlighting the icons, authors, and community leaders who inspire the FI movement.   

    Watch and Subscribe on YouTube

    ๐Ÿ˜ฌ Additionally, we acknowledge the current tipping culture and how it's gone wild in recent yearsโ€”tipping pressure, guilt, and where we draw the line.

    ๐Ÿฅ‡ In this episode, we discuss: 

    1๏ธโƒฃ Davidโ€™s 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)

    2๏ธโƒฃ Carlaโ€™s 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) 

    3๏ธโƒฃ Honorable Mentions: Additional FI icons shaping the community 

    4๏ธโƒฃ Tipping Culture Gone Wild: The growing pressure, frustration, and guilt associated with tipping

    ๐Ÿ”— Davidโ€™s Mount Rushmore of Financial Independence: 

    ๐Ÿ“˜ Pete Adeney โ€“ Mr. Money Mustache

    ๐ŸŽ™๏ธ Brad Barrett & Jonathan Mendonsa โ€“ ChooseFI

    ๐Ÿ•๏ธ Stephen Baughier โ€“ CampFI

    ๐Ÿ“š JL Collins โ€“ The Simple Path to Wealth

    ๐Ÿ”— Carlaโ€™s Mount Rushmore of Financial Independence: 

    ๐Ÿ“˜ Vicki Robin โ€“ Your Money or Your Life

    ๐ŸŒ Paula Pant โ€“ Afford Anything

    ๐Ÿ•๏ธ Stephen Baughier โ€“ CampFI

    ๐Ÿ““ Carl & Mindy Jensen โ€“ 1500 Days

    ๐Ÿ”— Honorable Mentions: 

    ๐Ÿ•๏ธ Diania Merriam โ€“ EconoMe Conference

    ๐Ÿ“˜ Jacob Lund Fisker โ€“ Early Retirement Extreme

    ๐ŸŒฒ Frugalwoods โ€“ Frugalwoods Blog

    ๐ŸŽ™๏ธ Brandon Ganch โ€“ Mad Fientist

    ๐Ÿ”— Davidโ€™s Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ›๏ธ The Mount Rushmore of Financial Independence: Icons, Community, and Inspiration

    ๐Ÿ˜ฌ Tipping Culture in America: Has It Gotten Out of Control?

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    #tipping #financialindependence #money    

    ๐ŸŽง Listen & Subscribe: Donโ€™t miss out on more episodes about intentional living and financial independence! Hit subscribe and the bell icon ๐Ÿ”” to stay updated.

    ๐Ÿ“œ 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.

  • Watch and Subscribe on YouTube

    ๐Ÿช™ Rising prices are changing how we spend. In this episode we talk about whatโ€™s now simply โ€œtoo expensiveโ€ 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:

    1๏ธโƒฃ Energy Drinks and Coffee: Swapping pricey energy drinks and cafe coffee for cheaper, at-home caffeine options.

    2๏ธโƒฃ Grocery Staples: Rising costs on essentials like cereal make basic breakfasts feel like splurges.

    3๏ธโƒฃ Dining Out and Alcohol: High restaurant and bar prices lead to more meals and cocktails made at home.

    4๏ธโƒฃ Fresh Produce and Meat: Opting for frozen fruits and buying meat in bulk to stretch the grocery budget.

    5๏ธโƒฃ Amazon Prime and Streaming: Reconsidering subscriptions and rotating services to manage monthly expenses.

    ๐Ÿ”— Carla's Links:

    ๐Ÿ“˜ Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom

    ๐Ÿ“ฐ Referenced Buzzfeed Article

    ๐Ÿ”— David's Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    #inflation #frugalliving #budgetingtips

    ๐ŸŽง Listen & Subscribe: Donโ€™t miss more episodes on creating a life of intentionality and financial freedom! Hit subscribe and the bell icon ๐Ÿ”” to stay updated.

    ๐Ÿ“œ Disclaimer: This episode is for entertainment and informational purposes and does not constitute financial advice. Please consult with a professional for specific needs.

  • Watch and Subscribe on YouTube

    Carla walks us through how the Dual Income, No Kids (DINK) lifestyle enables a life rich in experiences and fulfillment. ๐Ÿž๏ธ  

    ๐ŸŽจ 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: 

    1๏ธโƒฃ Defining the DINK Lifestyle: Carla explains what it means to be a DINK and why she and her husband chose this path. 

    2๏ธโƒฃ Financial Advantages of Being DINK: How saving $310,000 by not raising kids enables investments in travel, hobbies, and a secure future.  

    3๏ธโƒฃ Freedom to Travel & Pursue Hobbies: Carlaโ€™s adventures on the Pacific Crest Trail, travel in Europe, and finding joy in personal hobbies.  

    4๏ธโƒฃ Social and Familial Pressures: Navigating societal expectations to have children and creating a fulfilling life outside traditional parenthood.  

    5๏ธโƒฃ Future Planning Without Kids: Carlaโ€™s strategies for financial security and elder care planning as a DINK.

    ๐Ÿ”— Carla's Links: 

    ๐ŸŽค Tig Notaro Stand-Up

    ๐Ÿ“บ TV is Fun, But Dangerous!

    ๐Ÿ”— David's Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ’ก Dual Income No Kids (DINK): The Financial and Lifestyle Benefits of a Child-Free Life

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ Carla's Quotes:  

    ๐Ÿ˜‚ โ€œPeople assume life without kids is lonely, but itโ€™s full of rich experiences and meaningful connections.โ€ โ€” Carla Cash

    #financialfreedom #childfree #travelmore   

    ๐ŸŽง Listen & Subscribe: Donโ€™t miss more episodes on creating a life of intentionality and financial freedom! Hit subscribe and the bell icon ๐Ÿ”” to stay updated.

    ๐Ÿ“œ 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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    ๐Ÿงณ Katrina McGhee explains Career Breaks, Gap Years, and Sabbaticalsโ€”empowering 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. ๐ŸŒ

    In this episode, we discuss:  

    1๏ธโƒฃ Defining Career Breaks, Gap Years, and Sabbaticals: Katrina clarifies each term and shares who they're best for.  

    2๏ธโƒฃ Financial Planning: Steps to save and budget for a fulfilling time off.  

    3๏ธโƒฃ Addressing Common Fears: How to counter doubts about career impact, financial stability, and social pressures.  

    4๏ธโƒฃ Communicating Your Plan: Tips for discussing your decision with family, friends, and even your employer.  

    5๏ธโƒฃ Making the Most of Your Break: Setting goals and themes to guide your experience and personal growth.  

    6๏ธโƒฃ Returning to Work: How to re-enter the workforce confidently and communicate the value of your time off.

    ๐Ÿ”— Katrina's Links:  

    ๐Ÿ“š Taking a Career Break for Dummies

    ๐ŸŒ Katrina McGheeโ€™s Coaching

    ๐Ÿง Profellow: Graduate Study and Professional Development

    ๐Ÿ”— David's Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ Katrina McGhee Quotes:  

    ๐Ÿ’ก "A career break isn't just time off; it's an intentional journey toward clarity and fulfillment." โ€” Katrina McGhee  

    ๐Ÿ”— "Youโ€™re not escaping lifeโ€”youโ€™re recharging so you can show up better in everything you do." โ€” Katrina McGhee

    #financialindependence #financialplanning #gapyear #careerbreak #personalgrowth #toxicworkplace #takeabreak #lifeonyourterms

    ๐ŸŽง Listen & Subscribe: Hit subscribe for more episodes that help you take control of your life and career. Tap the bell icon ๐Ÿ”” to stay updated!

    ๐Ÿ“œ 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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    ๐Ÿช™ 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.

    ๐ŸŽจ 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:  

    1๏ธโƒฃ How to Start a Money Podcast: Joe and Paula share how they began, and their strategies for building loyal audiences.  

    2๏ธโƒฃ Monetizing Your Podcast: They reveal how money podcasts make money and how to create sustainable revenue streams.  

    3๏ธโƒฃ Guest Selection and Vetting: How to choose engaging guests and avoid common mistakes.  

    4๏ธโƒฃ Balancing Podcasting and Entrepreneurship: Insights on managing a podcast while pursuing other business ventures.  

    5๏ธโƒฃ Podcast Growth Strategies: From viral episodes to organic growth, learn how to scale your podcast.  

    6๏ธโƒฃ Challenges in Podcasting: Behind-the-scenes struggles, including interviews that never aired and topics they regret covering.

    ๐Ÿ”— Joe Saul-Sehy's Links:  

    ๐ŸŽง Stacking Benjamins Podcast

    ๐Ÿ“š Joeโ€™s Stacking AdventuresTravel Podcast

    ๐Ÿ“ Joe Saul-Sehy's book: Stacked: Your Super-Serious Guide to Modern Money Management

    ๐Ÿ”— Paula Pant's Links: 

    ๐Ÿ“š Afford Anything Course: Your First Rental Property

    ๐Ÿ“ง Afford Anything Newsletter

    ๐Ÿ“– Escape E-Book

    ๐Ÿ”— David's Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ Joe Saul-Sehy & Paula Pant Quotes:  

    ๐Ÿ’ก "Podcasting is all about relationshipsโ€”you grow one download at a time by staying authentic." โ€” Joe Saul-Sehy  

    ๐Ÿ”— "It's not just about making money from a podcast; it's about creating meaningful content that resonates." โ€” Paula Pant

    #podcast #podcasting #howtostartapodcast #podcastgrowth #podcastguests #podcastinglife #podcastingjourney #financialindependence

    ๐ŸŽง Listen & Subscribe: Hit subscribe for more strategies on building wealth and achieving financial independence. Tap the bell icon ๐Ÿ”” 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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    ๐Ÿช™ 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. ๐Ÿ“ˆ

    ๐ŸŽจ This conversation explores why Options Trading can be both profitable and riskyโ€”with practical insights on how it can supplement your investment portfolio and enhance retirement income.

    In this episode, we discuss:

    1๏ธโƒฃ What is Options Trading? Karsten and Brad explain the fundamentals and how options differ from other investments.

    2๏ธโƒฃ Call vs. Put Options: Understanding the types of options and when to use each.

    3๏ธโƒฃ Covered Calls and Cash-Secured Puts: How these strategies can generate income and protect your portfolio.

    4๏ธโƒฃ Risks and Rewards of Options Trading: Myths about options trading and how to manage potential downsides.

    5๏ธโƒฃ Options and Financial Independence: How options trading can play a role in achieving long-term financial goals.

    6๏ธโƒฃ Getting Started with Options Trading: Practical steps to begin trading, whether for income or retirement.

    ๐Ÿ”— Karsten Jeske's Links:

    ๐Ÿ’ผ Karsten Jeske's Options Page

    ๐Ÿ”— Brad Finn's Links:

    ๐Ÿ“š Brad Finn YouTube Channel

    ๐Ÿ”— David's Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ Karsten Jeske & Brad Finn Quotes:

    ๐Ÿ’ก "Options trading isnโ€™t one-size-fits-allโ€”itโ€™s about finding the right strategy for your risk profile." โ€” Karsten Jeske

    ๐Ÿ”— "Covered calls are like collecting rent on your stocksโ€”steady income with lower risk." โ€” Brad Finn

    #optionstrading #financialindependence #coveredcalls #cashsecuredputs #optionsstrategies #retirementincome

    ๐ŸŽง Listen & Subscribe: Hit subscribe for more strategies on building wealth and achieving financial independence. Tap the bell icon ๐Ÿ”” 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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    ๐Ÿช– 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. ๐Ÿ–๏ธ  

    ๐ŸŽจ 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:

    1๏ธโƒฃ House Hacking for Military Members: How to live nearly rent-free while building equity.  

    2๏ธโƒฃ Creative Financing in Real Estate: Techniques that minimize upfront costs and maximize returns. 

    3๏ธโƒฃ VA Loan Real Estate Investing: How to leverage military benefits to build a property portfolio.  

    4๏ธโƒฃ Remote Real Estate Investing: Managing properties from afar and keeping operations smooth.

    5๏ธโƒฃ David Pere Real Estate Journey: How he turned a military career into a real estate empire.

    ๐Ÿ”— David Pereโ€™s Links: 

    ๐Ÿ’ฐ From Military to Millionaire

    ๐Ÿ“š Free Book: The No B.S. Guide to Military Life

    ๐Ÿ”— David's Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ David Pere Quotes: 

    ๐Ÿ’ก "House hacking isnโ€™t just a starter strategy; itโ€™s a game-changer for building long-term wealth." โ€” David Pere  

     ๐Ÿ”— "Creative financing lets you control property without massive cash outlay. Itโ€™s a strategy anyone can use." โ€” David Pere   

    ๐Ÿ›ก๏ธ "The VA loan is an incredible benefit, and itโ€™s one of the most powerful tools veterans have for building wealth." โ€” David Pere   

    ๐Ÿง  "Building a community around real estate investing has been crucial to my success and growth." โ€” David Pere

    #realestateinvesting #househacking #valoans #creativefinancing #buildingwealththroughrealestate #DavidPere

    ๐ŸŽง Listen & Subscribe: Donโ€™t forget to subscribe for more real estate strategies and financial insights! Hit the bell icon ๐Ÿ”” 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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    ๐Ÿ…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.๐Ÿ–๏ธ

    ๐Ÿ“ˆ 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:

    1๏ธโƒฃ What is Factor Investing: How it compares to passive index investing and why it might be worth considering.

    2๏ธโƒฃ Value vs. Growth Investing: Breaking down the key differences and potential advantages.

    3๏ธโƒฃ Small-Cap Value Investing: Why this specific factor gets so much attention and how it may affect portfolio performance.

    4๏ธโƒฃ Momentum Factor Investing: A look at how recent winners continue to perform.

    5๏ธโƒฃ Rebalancing Factor Portfolios: How often should you be reviewing and adjusting?

    ๐Ÿ”— Dan Huffmanโ€™s Links:

    ๐Ÿ’ก Cornerstone Financial Planning: https://cornerstonefiplanning.com/

    ๐Ÿ€ Size Matters if You Can Control Your Junk: https://www.sciencedirect.com/science/article/pii/S0304405X18301326?via%3Dihub

    ๐Ÿ“š Kenneth French Data Library: http://mba.tuck.dartmouth.edu/pages/faculty/ken.french/data_library.html

    ๐Ÿ“Š Portfolio Visualizer Backtesting Tool: https://www.portfoliovisualizer.com/

    ๐Ÿ”— David's Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ Dan Huffman Quotes:

    ๐Ÿ’ก "Factor investing isnโ€™t for everyone, but for those who want to go beyond traditional index funds, it offers a way to optimize long-term returns." โ€” Dan Huffman

    ๐Ÿ”— "The academic research is clearโ€”factors like value and size have outperformed the broad market over time." โ€” Dan Huffman

    #financialindependence #valueinvesting #indexfunds #investingstrategies #FactorInvesting

    ๐ŸŽง Listen & Subscribe: Donโ€™t forget to subscribe for more information on investment strategies, financial independence, and more! Hit the bell icon ๐Ÿ”” 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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    ๐Ÿงฌ Emma von Weise breaks down the basics of Social Security and how it fits into a comprehensive retirement plan, debunking common myths and sharing strategic tips for claiming benefits. ๐Ÿ“ˆ  

    Emma emphasizes how Social Security benefits should not be overlooked as a vital part of your financial strategy, covering everything from spousal and survivor benefits to the impact of early retirement.

    In this episode, we discuss:  

    1๏ธโƒฃ When to Start Claiming Social Security: Discover the pros and cons of early vs. delayed benefits.  

    2๏ธโƒฃ Future Changes to Social Security: Learn what changes are on the horizon for COLA and the full retirement age.  

    3๏ธโƒฃ Social Security as Core Income: Should Social Security be viewed as a primary income source or just a safety net?  

    4๏ธโƒฃ Spousal and Survivor Benefits: Explore strategies for couples to maximize Social Security payouts.  

    5๏ธโƒฃ Social Security and Early Retirement: Understand the impact of early retirement on your long-term benefits.

    ๐Ÿ”— Emma von Weise's Links: 

    ๐Ÿ“š Social Security Administration

    ๐Ÿ“Š Mike Piper's Social Security Strategy Benefit Calculator

    ๐ŸŒธ Lauren's cFIREsim calculator

    ๐Ÿงฎ New Retirement (now Boldin) calculator

    ๐Ÿ”— David's Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ“  Blog Post on Social Security

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ Emma von Weise Quotes: 

    ๐Ÿ’ก "Social Security isnโ€™t just an afterthoughtโ€”itโ€™s an essential part of your financial plan." โ€” Emma von Weise  

    ๐Ÿ”— "Understanding when to claim your benefits is key to securing your financial future." โ€” Emma von Weise

    #socialsecurity #retirementplanning #financialindependence #emmavonweise

    ๐ŸŽง Listen & Subscribe: Donโ€™t forget to subscribe to "Forget About Money" for more expert advice on securing your financial future. Hit the bell icon ๐Ÿ”” to stay updated on the latest episodes!

    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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    ๐ŸŽค Philip "PT Money" Taylor (FINCON), Stephen Baughier (CampFI), and Amberly Grant (FinTalks) share the evolution and impact of their live events on the FI community.๐Ÿ•๏ธ  

    Philip, Stephen, and Amberly discuss how their eventsโ€”ranging from conferences to camp retreats and even cruisesโ€”offer unique experiences for people seeking financial freedom.   

    In this episode, we discuss:  

    1๏ธโƒฃ The Origins of FINCON, CampFI, & FINTALKS: How these events began and what motivated their founders.  

    2๏ธโƒฃ What to Expect When Attending: A breakdown of the experience, community, and content at each event.  

    3๏ธโƒฃ Pricing & Accessibility: Learn about the pricing structure and whatโ€™s covered for FINCON, CampFI, and FINTALKS. 

    4๏ธโƒฃ Building Real FI Communities: How Stephen is taking FI to the next level with his unique in-person neighborhood.  

    5๏ธโƒฃ Challenges & Future Plans: The founders reflect on the obstacles theyโ€™ve faced and their vision for the future.

    ๐Ÿ”— Philip "PT Money" Taylor's Links: 

    ๐Ÿ“† FINCON

    ๐Ÿ”— Stephen Baughier's Links: 

    ๐Ÿ•๏ธ CampFI

    ๐Ÿฆ… Eagle CoHousing

    ๐Ÿ”— Amberly Grant's Links: 

    ๐Ÿšข FinTalks Cruise 

    ๐Ÿ”— David's Links: 

    ๐Ÿ’ฐ Free Money Course 

    ๐Ÿ Forget About Money on Apple Podcasts

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ Fi Community Builder Quotes:   

    ๐Ÿ’ก "FINCON is all about creating a space for financial content creators to connect, share, and grow." โ€” Philip "PT Money" Taylor 

    ๐Ÿ”ฅ "CampFI brings the FI community together in a personal and relaxed environment, fostering deep connections." โ€” Stephen Baughier  

    ๐Ÿšข "FinTalks started with Facebook Lives but has evolved into a cruise where people create lifelong friendships." โ€” Amberly Grant

    #financialindependence #financialfreedom #moneymotivation #FINCON #CampFI #FinTalks #PhilipTaylor #StephenBaughier #AmberlyGrant 

    ๐ŸŽง Listen & Subscribe: Donโ€™t forget to subscribe to "Forget About Money" for more ways to enrich your personal finance and life journey. Hit the bell icon ๐Ÿ”” to stay updated on the latest episodes!

    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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    ๐Ÿ’ก Paul Merriman shares his 12 One-Million Dollar Ideas for achieving financial success, offering practical strategies to help you transform your investment approach. ๐Ÿ“ˆ  

    Paul Merriman highlights the importance of starting early, using low-cost index funds, and diversifying your portfolio, especially by including small-cap value stocks. He breaks down how simple financial decisions made today can lead to significant long-term growth. Paulโ€™s advice will help you steer your financial future in the right direction. 

    In this episode, we discuss: 

    1๏ธโƒฃ Save Early vs. Waiting to Get Started: Discover why saving early, even small amounts, creates massive financial growth through compound interest.

     2๏ธโƒฃ Stocks vs. Bonds: Learn how to balance risk and reward with the right mix of stocks and bonds as part of your asset allocation strategy. 

    3๏ธโƒฃ DIY vs. Professional Management: Explore why index funds often outperform actively managed funds, making them a smarter, low-cost choice. 

    4๏ธโƒฃ The Power of Diversification: Understand why spreading your investments across small-cap value, large-cap value, and blend stocks strengthens your portfolio. 

    5๏ธโƒฃ Market Timing vs. Buy and Hold: Find out why sticking with a buy-and-hold strategy beats trying to time the market.

    ๐Ÿ”— Paul Merriman's Links: 

    ๐ŸŒ Merriman Financial Education Foundation

    ๐Ÿ“š Weโ€™re Talking Millions! 12 Simple Ways to Supercharge Your Retirement (And other Free Book Downloads)

    ๐Ÿ“Š Quilt Charts (Referenced in the Episode): 

    ๐Ÿ“บ 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

    ๐Ÿ”— David's Links: 

    ๐ŸฅŠ Paul Merriman and JL Collins Debate Wealth Strategies

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcasts

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ Paul Merriman Quotes: 

    ๐Ÿ’ก "The system is designed to make you spend, not save. You have to arm-wrestle it to build wealth." โ€” Paul Merriman

    ๐Ÿ›ก๏ธ "Diversification is your greatest defense. Don't put all your eggs in one basket." โ€” Paul Merriman  

    ๐Ÿง  "Most people will never beat the market. If you can match the market, youโ€™ll likely be in the top 10% of all investors." โ€” Paul Merriman

    #financialfreedom #retirementplanning #IndexFunds

    ๐ŸŽง Listen & Subscribe: Don't forget to subscribe to "Forget About Money" for more valuable episodes featuring experts like Paul Merriman. Hit the bell icon ๐Ÿ”” to stay updated with new insights on building wealth and financial independence!

    Disclaimer: The discussion in this episode is for general educational and entertainment purposes only and should not be considered tax, legal, or investment advice specific to any individual.