Episódios

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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!

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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.

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    ๐Ÿค‘ Wellthy Living is all about balancing personal finance, fitness, and fulfillment to create a life of true wealth and happiness. ๐Ÿ‹๏ธโ€โ™‚๏ธ  

    Brad Finn shares his journey from paying off $190,000 in debt to achieving financial independence, while maintaining a focus on physical fitness and mental well-being.

    In this episode, we discuss:  

    1๏ธโƒฃ Brad Finnโ€™s Financial Independence Journey: Learn how Brad leveraged Dave Ramseyโ€™s principles to eliminate debt and build a strong financial foundation.  

    2๏ธโƒฃ Fitness and Finance: Discover how Bradโ€™s commitment to physical fitness complements his financial goals, creating a balanced and fulfilling life.  

    3๏ธโƒฃ Entrepreneurship and Side Hustles: Explore how Brad turned his hobbies into profitable ventures, including his success on YouTube and in options trading.  

    4๏ธโƒฃ Mindset for Success: Understand the importance of optimism and a growth mindset in overcoming challenges and achieving both financial and personal goals.  

    5๏ธโƒฃ Real Estate and Hard Money Lending: Get insights into Bradโ€™s approach to real estate investing and why he chose hard money lending as part of his strategy.

    ๐Ÿ”— Brad's Links: 

    ๐ŸŒ Brad Finn's YouTube Channel

    ๐Ÿ“˜ Brad's Book The Wheel Strategy: Earn Passive Income Selling Calls and Put: Full Guide & Journal

    ๐Ÿ“ Brad's Physics & Math Channel

    ๐Ÿƒโ€โ™‚๏ธ Brad's Ultrarunning Channel

    ๐ŸŽง Brad Finn's 50k Ready Podcast

    ๐Ÿ–ฅ๏ธ 50k Ready Website

    ๐Ÿ”— David's Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐ŸŽง Forget About Money on Apple Podcasts

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ Brad Finn Quotes:  

    ๐Ÿ’ก "Paying off debt wasnโ€™t just about moneyโ€”it was about freeing my mind and creating the life I truly wanted." โ€” Brad Finn  

    ๐Ÿ’ช "Fitness and finance go hand in hand. When youโ€™re disciplined in one area, it spills over into others." โ€” Brad Finn  

    ๐Ÿš€ "Turning my hobbies into income streams wasnโ€™t just about making money; it was about living a life that Iโ€™m passionate about." โ€” Brad Finn

    ๐Ÿ“ Episode Highlights: 

    ๐Ÿ’ธ Brad Finnโ€™s Financial Independence Story 

    ๐Ÿ’ช How Fitness Fuels Financial Success 

    ๐Ÿš€ Turning Hobbies into Income Streams 

    ๐Ÿง  Mindset for a Balanced and Happy Life 

    ๐Ÿก Real Estate Strategies Beyond Ownership

    #financialindependence #personalfinance #fitnessjourney #entrepreneurship #mindsetmatters #debtfreeliving

    ๐ŸŽง Listen & Subscribe: Don't forget to subscribe to "Forget About Money" for more inspiring episodes with guests like Brad Finn. Hit the bell icon ๐Ÿ”” to stay updated on new episodes!

    Disclaimer: The content in this episode is for educational and entertainment purposes only and does not constitute financial, legal, or investment advice.

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    ๐Ÿช… The Fun Bucket is a transformative strategy to help retirees shift from a saving to a spending mindset, enabling guilt-free enjoyment of retirement.  

    ๐Ÿ“ˆ In this episode, Kevin Sebesta, creator of the Life in FIRE blog, and Mark Trautman, a seasoned voice in the FI community, share how the Fun Bucket can enhance your retirement by balancing financial security with intentional spending.  

    In this episode, we discuss: 

    1๏ธโƒฃ What is a Fun Bucket?: Kevin and Mark explain the concept and its importance in retirement planning. 

    2๏ธโƒฃ Shifting from Frugality to Fun: Learn how the Fun Bucket helps retirees break free from the frugal mindset. 

    3๏ธโƒฃ Managing Your Fun Bucket: Practical tips on allocating, spending, and replenishing your Fun Bucket.

    ๐Ÿ”— Kevinโ€™s Links: 

    ๐ŸŒ Life in FIRE Blog

    ๐Ÿท The HOGs article

    ๐Ÿ”— Markโ€™s Links: 

    ๐Ÿ“š Mark's Money Mind Blog

    โ–ถ๏ธ Mark's Money Mind Podcast on YouTube

    ๐Ÿ”— David's Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐ŸŽง Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ Kevin Sebesta Quote: 

    ๐Ÿ’ก "The Fun Bucket lets you take some of the icing off the cake and use it for experiences that create memory dividends, which can be far more valuable than just having a little more money in the bank." โ€” Kevin Sebesta

    ๐Ÿ“œ Mark Trautman Quote:  

    ๐Ÿ”— "If you donโ€™t spend it, your inheritors gladly will. That thought has influenced me to use the Fun Bucket and enjoy the wealth Iโ€™ve accumulated while I can." โ€” Mark Trautman

    ๐Ÿ“ Episode Highlights: 

    ๐Ÿ’ก The importance of balancing savings and spending in retirement 

    ๐Ÿš€ Practical tips for managing your Fun Bucket 

    ๐ŸŒŸ Shifting from frugality to a spending mindset

    #retirementplanning #PersonalFinance #moneymindset  

    ๐ŸŽง Listen & Subscribe: Donโ€™t forget to subscribe to "Forget About Money" for more insights from financial experts like Kevin Sebesta and Mark Trautman. Hit the bell icon ๐Ÿ”” to stay updated on new episodes!

    ๐Ÿ•’ Timestamps/Chapters: 

    0:00 - ๐ŸŽ™๏ธ What is a Fun Bucket? 

    5:12 - ๐Ÿ’ก Overcoming the Frugality Mindset 

    10:13 - ๐Ÿ› ๏ธ How to Start Your Fun Bucket 

    15:24 - ๐Ÿ“… Managing the Fun Bucket 

    20:37 - ๐ŸŽ‰ Guilt-Free Spending in Retirement 

    25:18 - ๐ŸŽฏ Allocating Funds for Maximum Joy 

    30:29 - ๐ŸŒŸ Memory Dividends Explained 

    34:29 - ๐Ÿ”„ Adjusting Your Fun Bucket Over Time 

    38:47 - ๐Ÿงพ Fun Bucket vs. Traditional Budgeting 

    43:12 - ๐Ÿฅณ The Impact of a Fun Bucket on Your Quality of Life

    Disclaimer: This discussion is for educational and entertainment purposes and does not constitute financial, legal, or investment advice.

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    ๐Ÿ”‘ Risk Parity is an investment strategy that could reshape how you manage risk and increase your portfolioโ€™s resilience. ๐ŸŽฏ

    In this episode, we discuss:

    1๏ธโƒฃ What is Risk Parity?: Discover how Risk Parity differs from traditional diversification and why itโ€™s essential for a resilient portfolio. 

    2๏ธโƒฃ Building a Risk Parity Portfolio: Learn how to implement this strategy with tools like ETFs and mutual funds, and explore the impact on your Safe Withdrawal Rate. 

    3๏ธโƒฃ Retirement Planning with Risk Parity: Understand how Risk Parity can support your financial independence journey and enhance your retirement planning with a higher Safe Withdrawal Rate.

    ๐Ÿ”— Frank's Links: 

    ๐ŸŒ Risk Parity Radio

    ๐Ÿ“š Tyler's Risk Parity Portfolio Charts

    ๐ŸŽฏ Golden Butterfly Portfolio

    ๐Ÿ“Š Risk Parity Portfolios

    ๐Ÿ“ˆ Portfolio Visualizer

    ๐Ÿ’– Donate to Frank's Charity

    ๐Ÿ”— David's Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐ŸŽง Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ Frank Vasquez Quotes:  

    ๐Ÿ’ก "Risk Parity is about balancing the risk, not just spreading capitalโ€”it's a smarter way to build a resilient portfolio." โ€” Frank Vasquez  

    ๐Ÿ”— "By embracing Risk Parity, you could potentially increase your Safe Withdrawal Rate to 5%, offering more financial freedom in retirement." โ€” Frank Vasquez

    ๐Ÿ“ Episode Highlights: 

    ๐Ÿ’ก Risk Parity vs. Traditional Diversification 

    ๐Ÿš€ Increasing Safe Withdrawal Rate to 5% 

    ๐Ÿ“ˆ Implementing Risk Parity with ETFs 

    ๐ŸŽฏ Effective Portfolio Management Strategies 

    ๐ŸŒŸ Optimizing Retirement Planning

    #financialindependence #retirementplanning #investmentstrategies 

     ๐ŸŽง Listen & Subscribe: Don't forget to subscribe to "Forget About Money" for more insightful episodes featuring experts like Frank Vasquez. Hit the bell icon ๐Ÿ”” to get notified of new episodes!

    Disclaimer: The discussion is intended for general educational and entertainment purposes and is not tax, legal, or investment advice for any individual.

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    ๐ŸŒฑInvestment Strategies for Different Life Stages are essential for tailoring your approach to wealth management as you age. ๐ŸŒณ

    In this episode, we discuss:

     1๏ธโƒฃ How Your Investment Strategy Should Change as You Age: Learn how to adapt your investment approach throughout different stages of life, emphasizing the shift from growth-focused strategies in youth to preservation as you near retirement. 

    2๏ธโƒฃ Key Considerations for Managing Risk and Return in Retirement: Explore the essential strategies for balancing risk and return during retirement, including the use of safe assets like TIPS and annuities to secure your financial future. 

    3๏ธโƒฃ The Impact of Societal Factors on Financial Decisions: Understand how societal factors such as inequality, trust, and behavioral biases influence investment outcomes and decision-making across various life stages.

    ๐Ÿ”— Bill's Links:

    ๐ŸŒ Williamโ€™s Website

    ๐Ÿ“š The Four Pillars of Investing

    ๐Ÿ“˜ The Delusions of Crowds

    ๐Ÿ”— Social Security Calculator

    ๐Ÿ“– Your Money & Your Brain

    ๐Ÿ“˜ The Secret of Our Success

    ๐Ÿ“• How Religion Evolved

    ๐Ÿ”— David's Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“œ William Bernstein Quotes: 

    ๐Ÿ’ก "The purpose of money is not to buy things. The purpose of money is to buy you time and autonomy."   โ€” William Bernstein  

    ๐Ÿ”— "Sticking with your allocation, your strategy through thick and thin matters infinitely more than what your precise strategy is."   โ€” William Bernstein

    ๐Ÿ“ Episode Highlights: 

    ๐Ÿ’ก Life Cycle Investing: Tailoring Your Strategy   

    ๐Ÿš€ Managing Human Capital in Investing   

    โฐ Behavioral Finance Insights for Better Decisions   

    ๐ŸŒŸ Effective Retirement Planning Tips   

    ๐ŸŽฏ Achieving Financial Independence

    #financialfreedom #InvestmentStrategies #retirementplanning 

     ๐ŸŽง Listen & Subscribe: Don't forget to subscribe to "Forget About Money" for more insightful episodes featuring experts like William Bernstein. Hit the bell icon ๐Ÿ”” to get notified of new episodes!

    Disclaimer: The discussion is intended for general educational and entertainment purposes and is not tax, legal, or investment advice for any individual.

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    ๐Ÿงข Stan Haithcock, also known as Stan the Annuity Man, defines an annuity and answers some common questions people have about annuities.

    He identifies factors that may persuade a person to shift a portion of their net worth into annuities. And he shares his reasons why so many people blindly hate them! ๐Ÿ˜ก

    In this episode, Stan Haithcock discusses:

    1๏ธโƒฃ What is an Annuity and How Does it Work? Discover the basics of annuities, including different types, their benefits, and how they can secure your retirement.

    2๏ธโƒฃ Stan's Philosophies on Retirement Planning: Learn why Stan emphasizes the importance of annuities in a balanced retirement strategy and the factors that might persuade you to consider them.

    3๏ธโƒฃ Addressing Annuity Misconceptions: Understand why many people blindly shun annuities and what we can do to educate others on their true benefits.

    ๐Ÿ”— Stanโ€™s Links:

    ๐ŸŒ Annuity Calculators and Rates

    ๐Ÿ“š Stanโ€™s YouTube

    ๐Ÿ’ก Stan's Website

    ๐Ÿฅ Health Insurance Guaranty Associations

    ๐ŸŽฅ You Already Won, Why are you Still Playing?

    ๐Ÿ”— David's Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ”‘ Key Topics Discussed:

    ๐Ÿ‘‰ Introduction to Annuities: What is an Annuity?

    ๐Ÿ‘ Different Types of Annuities Explained

    ๐Ÿ‘‰ Stan's Tagline: "Will do, Not Might do!"

    ๐Ÿ‘ Factors to Consider Before Buying An Annuity

    ๐Ÿ‘‰ Strategies for Incorporating Annuities into Retirement Planning

    ๐Ÿ‘ Contractual Guarantees and Transfer of Risk

    ๐Ÿ‘‰ Comparing Annuities with the 4% Rule for Withdrawals

    ๐Ÿ‘ Annuity Taxation Insights

    ๐Ÿ‘‰ Misconceptions About Annuities and Overcoming Biases

    ๐Ÿ‘ Simple, Low-Fee Annuities for Financial Independence

    ๐Ÿ•’ Timestamps/Chapters:

    0:00 - ๐ŸŽ™๏ธ Introduction to Annuities: What is an Annuity?

    5:44 - ๐Ÿš€ Different Types of Annuities

    11:52 - ๐ŸŒŸ Stan's Tagline and Philosophies

    14:53 - ๐Ÿ’ฐ Factors to Consider for Annuities

    18:54 - ๐ŸŒ Annuity Strategies in Retirement Planning

    22:05 - โš ๏ธ Contractual Guarantees and Risks

    26:00 - ๐Ÿ”„ Comparing Annuities with the 4% Rule

    29:00 - โœ… Taxation and Legal Considerations

    29:56 - ๐ŸŽฏ Overcoming Annuity Misconceptions

    32:24 - ๐ŸŽ‰ Simple, Low-Fee Annuities for FI

    36:56 - ๐Ÿ“ˆ Final Thoughts and Recommendations

    41:35 - ๐ŸŽต Closing Remarks

    #Annuity #retirement #financialindependence

    ๐ŸŽง Listen & Subscribe:

    Don't forget to subscribe to "Forget About Money" for more insightful episodes featuring experts like Stan Haithcock. Hit the bell icon ๐Ÿ”” to get notified of new episodes!

    Disclaimer: The discussion is intended for general educational and entertainment purposes and is not tax, legal, or investment advice for any individual.

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    ๐Ÿ’ฒCody Berman shares his expert insights on passive income ideas that generate a whopping $75,966 per month! ๐Ÿ˜Š

    In this episode, Cody Berman discusses: 

    1๏ธโƒฃ Top Passive Income Ideas: Discover how Cody uses digital products, real estate, investment returns, and affiliate marketing to build substantial monthly income.

     2๏ธโƒฃ Practical Advice for Beginners: Learn realistic expectations, strategies for balancing a full-time job, and how to achieve financial independence through passive income.

     3๏ธโƒฃ Cody's Personal Journey and Future Plans: Hear about Cody's path from young entrepreneur to financial independence, including his future goals and the role of his agency, Auros Agency.

    ๐Ÿ”— Codyโ€™s Links:

    ๐ŸŒ Cody's Free Workshop

    ๐ŸŽง Codyโ€™s Podcast

    ๐Ÿ“š The 4-Hour Work Week Book

    ๐Ÿ”— David's Links:

    ๐Ÿ’ฐ Free Money Course
    ๐Ÿ Forget About Money on Apple Podcast
    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“ Episode Highlights:

    ๐Ÿ’ก Cody's Top Passive Income Strategies

    ๐Ÿš€ Practical Steps for Beginners

    โฐ Balancing Side Hustles with a Full-Time Job

    ๐ŸŒŸ Codyโ€™s Personal Journey and Financial Independence

    #PassiveIncomeIdeas #CodyBerman #FinancialIndependence

    ๐ŸŽง Listen & Subscribe:

    Don't forget to subscribe to "Forget About Money" for more insightful episodes featuring experts like Cody Berman. Hit the bell icon ๐Ÿ”” to get notified of new episodes!

    Disclaimer: The discussion is intended for general educational and entertainment purposes and is not tax, legal, or investment advice for any individual.

    ๐Ÿ•’ Timestamps/Chapters:

    0:00 - ๐ŸŽ™๏ธ Introduction to Passive Income Strategies

    5:44 - ๐Ÿš€ Cody's Journey into Passive Income

    11:52 - ๐ŸŒŸ Success and Personal Growth

    14:53 - ๐Ÿ’ฐ Breakdown of Passive Income Streams

    18:54 - ๐ŸŒ Impact of Passive Income on Others

    22:05 - โš ๏ธ Challenges and Realistic Expectations

    26:00 - ๐Ÿ”„ Balancing Side Hustles with a Full-Time Job

    29:00 - โœ… Pros and Cons of Passive Income

    29:56 - ๐ŸŽฏ Role in Portfolio and Life Goals

    32:24 - ๐ŸŽ‰ Rewarding Feelings and Overcoming Guilt

    36:56 - ๐Ÿ“ˆ Cody's Course and Digital Products

    41:35 - ๐ŸŽต Closing Remarks and Musical Collaborations

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    ๐Ÿค“  Sean Mullaney discusses Tax Planning Strategies. Sean, a CPA and financial planner, also known as The FI Tax Guy explains fundamental tax planning strategies, some advanced tax strategies and concepts, and how the financial independence community may be getting it wrong when it comes to taxes. โŒ

    ๐Ÿ”‘ Key Topics Discussed:

     ๐Ÿ‘‰ Introduction to Financial Independence Tax Planning 

    ๐Ÿ‘‰ Top Five Tax Planning Strategies 

    ๐Ÿ‘‰ Reducing Taxes Through Daily Habits 

    ๐Ÿ‘‰ Tax Strategies for High-Income Earners 

    ๐Ÿ‘‰ Solo 401k and Small Business Owners

    ๐Ÿ”— Seanโ€™s Links: 

    ๐ŸŒ The FI Tax Guy Blog

    ๐Ÿ“˜ Seanโ€™s Book on Solo 401k

     ๐ŸŽฅ Sean's YouTube Video: Pay NO Federal Income Taxes in Retirement!!!

    ๐Ÿ“ธ Seanโ€™s Twitter

    ๐Ÿ“„ Annuities Paper on SSRN

    ๐Ÿ“œ IRS Trade or Business Defined

    ๐Ÿ”— David's Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ•’ Timestamps/Chapters: 

    0:00 - ๐ŸŽ™๏ธ Introduction to Financial Independence Tax Planning 

    5:21 - ๐Ÿ“‹ Top Five Tax Planning Strategies 

    14:07 - ๐Ÿฆ Reducing Taxes Through Daily Habits 

    24:41 - ๐Ÿ’ผ Tax Strategies for High-Income Earners 

    29:30 - ๐Ÿข Solo 401k and Small Business Owners 

    34:12 - ๐Ÿ  Exploring the Buy, Borrow, Die Strategy 36:45 - ๐Ÿก Inheritance and Real Estate Strategy 

    46:45 - ๐Ÿ“ˆ Accumulation vs. Decumulation Strategies 

    55:29 - ๐Ÿฅ Taking Control of Your Health and Healthcare 

    1:01:13 - ๐Ÿ” Annuities - Risks and Considerations 

    1:07:54 - ๐Ÿ“œ Tax Cuts and Jobs Act - Extension Predictions 

    1:10:54 - ๐ŸŒŸ Emerging Tax Trends and Exploration Opportunities 

    1:13:18 - ๐Ÿง  Critical Thinking in Financial Decision-Making 

    1:16:50 - ๐Ÿ’ก Misconceptions About Roth IRAs and Traditional Accounts 

    1:20:22 - ๐ŸŒ… Proactive Healthcare Approaches for FI Community

    ๐ŸŽง Listen & Subscribe: Donโ€™t forget to subscribe to "Forget About Money" for more insightful episodes featuring experts who guide you on achieving financial independence and optimizing your tax strategies. Hit the bell icon ๐Ÿ”” to get notified of new episodes!

    #๏ธโƒฃ Hashtags: #TaxPlanningStrategies #SeanMullaney #TheFITaxGuy #FederalIncomeTaxChanges #TaxBrackets #StandardDeduction #HighIncomeEarners #TaxOptimization #EarlyRetirementTaxPlanning #Solo401k #FinancialIndependence #BuyBorrowDieStrategy #TraditionalRetirementAccounts #TaxMisconceptions #RetirementInvestmentAdvice #TaxDeductions #TaxExemptions #TaxCredits #TaxTailWagTheInvestmentDog

    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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    ๐Ÿ’ฅ David chats with Christine Benz, Director of Personal Finance at Morningstar and author of *How to Retire: Lessons from 20 Retirement Thought Leaders*. ๐Ÿ“˜

    ๐ŸŒŸ Christine shares her journey and key insights on how to retire happily, emphasizing a holistic approach to retirement planning. ๐ŸŒ…

    ๐Ÿ’ก She discusses the importance of aligning spending with happiness, nurturing relationships, and staying adaptable in retirement. ๐Ÿง˜โ€โ™‚๏ธ

    ๐Ÿ”‘ Key Topics Discussed:

    โ‡จ Importance of Relationships in Retirement

    โ‡จ Knowing Your Retirement Income Style

    โ‡จ Aligning Spending with Happy Retirement Goals

    ๐Ÿ”— Christineโ€™s Links:

    ๐Ÿ“˜ How to Retire Book

    ๐ŸŒ Bogleheads Foundation

    ๐ŸŒ Morningstar Profile

    ๐ŸŽ™๏ธ Christineโ€™s Podcast

    ๐Ÿ“ธ Christineโ€™s Twitter

    ๐Ÿ”— David's Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“ Episode Highlights: 

    ๐ŸŽฅ Christine's holistic approach to retirement planning 

    ๐Ÿšจ Aligning spending with personal happiness and values 

    ๐Ÿ’ก The significance of nurturing relationships in retirement

    ๐ŸŽง Listen & Subscribe: Donโ€™t forget to subscribe to "Forget About Money" for more insightful episodes featuring experts who guide you on achieving a happy and fulfilling retirement. Hit the bell icon ๐Ÿ”” to get notified of new episodes!

    #๏ธโƒฃ Hashtags: #RetireHappily #ChristineBenz #RetirementPlanning #HappyRetirement #FinancialIndependence #PersonalFinance #RetirementIncome #HolisticRetirement #PhasedRetirement #PurposeDrivenLife #FinancialWellness

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    ๐Ÿ“ˆ David chats with Dion McNeeley, a real estate investor who retired early using unique strategies. ๐Ÿก

    Dion McNeeley, known for his "lazy" approach to real estate, walks us through his transformative journey from financial struggles to early retirement. Discover how he leveraged rental properties, developed the Binder Strategy for tenant management, and built a sustainable rental empire that allowed him to retire in under 10 years.

    ๐Ÿ’ก Learn how Dion achieved early retirement in under 10 years and his six steps to financial freedom through real estate. ๐Ÿ“ˆ

    ๐Ÿ”‘ Key Topics Discussed:

    โ‡จ Transitioning from financial low to real estate empire

    โ‡จ Building a rental real estate empire for early retirement

    โ‡จ Achieving financial freedom and early retirement

    โ‡จ Six steps to financial freedom with real estate

    ๐Ÿ”— Dionโ€™s Links:

    ๐Ÿ“บ Dionโ€™s YouTube Channel

    ๐Ÿ“š Dionโ€™s Binder Strategy

    ๐ŸŽ“ Bigger Pockets Rental Real Estate Bootcamp

    ๐ŸŽ™๏ธ Real Estate Rookie Show

    ๐Ÿชš Matt the Lumberjack Landlord

    ๐Ÿ‘จโ€๐Ÿ’ผ Millennial Mike

    ๐Ÿ’ก What is a DSCR Loan?

    ๐Ÿ“ˆ Joe Kuhn Bucket Strategy

    ๐Ÿก Michael Zuber

    ๐Ÿ”— David's Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐ŸŽง Listen & Subscribe:

    Donโ€™t forget to subscribe to "Forget About Money" for more insightful episodes featuring experts who guide you on simplifying your finances and achieving financial independence. Hit the bell icon ๐Ÿ”” to get notified of new episodes!

    #๏ธโƒฃ Hashtags:

    #RetireEarlyWithRealEstate #DionMcNeeley #FinancialFreedom #RealEstateInvestment #RentalIncome #EarlyRetirement #PassiveIncome #RealEstateStrategies #FinancialIndependence #RealEstateInvestor

    ๐Ÿ•’ Timestamps/Chapters:

    0:00 - ๐Ÿš€ Introduction to Financial Freedom with Dion McNeely

    1:17 - ๐Ÿ’ธ Overcoming Financial Challenges and Debt

    2:31 - ๐Ÿค” Initial Reservations About Real Estate Investment

    4:14 - ๐Ÿ“ˆ Transitioning from Financial Low to Real Estate Empire

    6:33 - ๐Ÿก Building Rental Real Estate Empire for Early Retirement

    12:08 - ๐Ÿ’ฐ Achieving Financial Freedom and Early Retirement

    14:56 - ๐Ÿ’ช Persistence in Real Estate Investing Despite Challenges

    15:54 - ๐Ÿ“Š Utilizing the Binder Strategy for Rent Increases

    24:44 - ๐Ÿ“š The Binder Strategy

    30:06 - ๐Ÿ’ต Reaching Financial Freedom

    34:32 - ๐Ÿ”‘ Six Steps to Financial Freedom

    41:45 - ๐Ÿ•Š๏ธ Retirement Reflections

    45:51 - ๐ŸŒŸ Life After Retirement

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    ๐Ÿ’ฌ David chats with Sarah King, an experienced real estate investor who has transformed her financial life by paying off substantial debt and building a rental property empire. ๐Ÿ˜๏ธ

    ๐ŸŒŸ Sarah shares her journey from debt repayment to establishing a successful portfolio of rental properties, offering invaluable advice for real estate investing beginners. ๐Ÿ’ผ

    ๐Ÿ”‘ Key Topics Discussed:

    โ‡จ Real estate investing for beginners: Tips and strategies

    โ‡จ Understanding real estate investing fundamentals and types

    โ‡จ Calculating cash flow and using the 1% rule

    ๐Ÿ”— Sarahโ€™s Links:

    ๐Ÿ“ธ Sarahโ€™s Kingโ€™s Instagram

    ๐Ÿ“ฑ Deal Check App

    ๐ŸŽฅ Brandon Turnerโ€™s Four Square Method

    ๐Ÿ“˜ Set for Life book by Scott Trench

    ๐Ÿ“น HSA - Health Savings Account Benefits

    ๐ŸŒ Chad Carson aka Coach Carson

    ๐Ÿ“š Paula Pantโ€™s โ€œYour First Rental Property Courseโ€

    ๐Ÿ“– Raising Private Capital book by Matt Faircloth

    ๐Ÿ“• The Hands Off Investor book for Syndication Deals by Brian Burke

    ๐Ÿ“ธ Soli Cayetanoโ€™s Instagram

    ๐Ÿ“˜ The Simple Path to Wealth book by JL Collins

    ๐Ÿ“– Retire Early with Real Estate book by Chad Carson

    ๐ŸŽ™๏ธ Bigger Pockets Rookie Podcast

    ๐Ÿ”— David's Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿ“– Rich Dad Poor Dad book by Robert Kiyosaki

    ๐ŸŽง Listen & Subscribe:

    Donโ€™t forget to subscribe to "Forget About Money" for more insightful episodes featuring experts who guide you on simplifying your finances and achieving financial independence. Hit the bell icon ๐Ÿ”” to get notified of new episodes!

    #RealEstateInvestingForBeginners #SarahKing #RealEstateInvesting #CashFlow #PropertyInvestment #HouseHacking #RentalProperties #TaxBenefits #RealEstateStrategies #FinancialIndependence #InvestingTips

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    ๐ŸŒŸ In this episode, David Baughier welcomes Karsten Jeske, aka Big ERN, to explore the critical topics of Sequence of Returns Risk and Safe Withdrawal Rates, essential for anyone planning their retirement. ๐Ÿ’ผ

    ๐Ÿ’ก Karsten shares his journey from a finance professional to a renowned blogger, emphasizing the importance of customized retirement planning and effective risk management. ๐Ÿ“ˆ

    ๐Ÿ“ Episode Highlights:

    ๐ŸŽฅ Karsten's journey into retirement planning and blogging

    ๐Ÿšจ Strategies to manage Sequence of Returns Risk

    ๐Ÿ’ก Effective safe withdrawal rates and retirement timing

    ๐Ÿ“Š Insights into diversified portfolio and asset allocation

    ๐Ÿ” Options for your retirement income strategies

    ๐Ÿ”— Karstenโ€™s Links:

    ๐Ÿ“˜ Early Retirement Now Blog

    ๐Ÿ“ˆ Safe Withdrawal Rate Series

    ๐Ÿ“ฃ Big ERN's CampFI Talk about the Need for Precision

    ๐Ÿ”— David's Links:

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    #๏ธโƒฃ Hashtags: #SequenceOfReturnsRisk #SafeWithdrawalRates #RetirementPlanning #KarstenJeske #MarketVolatility #RetirementIncome #AssetAllocation #DiversifiedPortfolio #NegativeReturns #FinancialSecurity #TaxEfficientRetirement #FI #FinancialIndependence #EarlyRetirement

    ๐Ÿ•’ Timestamps/Chapters:

    0:00 - ๐Ÿš€ Introduction to Sequence of Returns Risk and Safe Withdrawal Rates

    2:32 - ๐Ÿ‘จโ€๐Ÿซ Karsten Jeske's Background and Expertise

    5:03 - ๐Ÿ“Š Transitioning from Professional Work to Blogging

    11:11 - ๐Ÿ’ผ Karsten's Experience in Finance and Economics

    14:37 - ๐Ÿ“‰ Defining Sequence of Returns Risk and Safe Withdrawal Rate

    23:46 - ๐Ÿ•ต๏ธโ€โ™‚๏ธ Factors to Consider Before Officially Retiring

    29:11 - โณ Planning for Retirement Timing and Market Factors

    36:06 - ๐Ÿ”„ Mindset Shifts from Accumulation to Decumulation

    39:55 - ๐ŸŒ Navigating the Safe Withdrawal Rate Series on the Blog

    40:21 - ๐Ÿ”ฅ Introduction to the Fire Community

    47:04 - ๐Ÿ“š Importance of Research Before Retirement

    52:16 - ๐Ÿ’ก Debunking the Bucket Strategy

    1:05:19 - ๐Ÿ“‰ Managing Sequence Returns Risk

    1:14:55 - ๐Ÿ“‰ Considering the Risk of a Recession

    1:17:37 - ๐Ÿ’ฌ Perception of Safe Withdrawal Rates

    1:19:34 - ๐Ÿง  Acknowledging Expertise in Safe Withdrawal Rates

    ๐ŸŽง Listen & Subscribe:

    Donโ€™t forget to subscribe to "Forget About Money" for more insightful episodes featuring experts who guide you on simplifying your finances and achieving financial independence. Hit the bell icon ๐Ÿ”” to get notified of new episodes!

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    ๐Ÿ’ฅ David chats with Naseema McElroy, a registered nurse and financial coach behind Financially Intentional. ๐Ÿฆ

    ๐Ÿ’ก She emphasizes the importance of simplifying finances, budgeting, and low-cost investing for long-term success. ๐Ÿ“ˆ

    ๐Ÿ”‘ Key Topics Discussed: 

    โ‡จ The importance of simplifying finances 

    โ‡จ Psychological benefits of financial simplicity 

    โ‡จ Simple investment strategies for financial independence

    ๐Ÿ”— Naseemaโ€™s Links:

     ๐ŸŽฅ Financially Intentional Website

     ๐Ÿ“ธ Naseemaโ€™s Instagram

    ๐Ÿ’ธ Financially Intentional YouTube Channel

    ๐Ÿ’ฐ Monarch Money

    ๐Ÿ“š A Simple Path to Wealth by JL Collins

    ๐Ÿ“– The Index Card Book

    ๐Ÿ“˜ The Millionaire Next Door Book 

    ๐Ÿฆ Move Your 401k For Free

    ๐Ÿ”— David's Links: 

    ๐Ÿ’ฐ Free Money Course

    ๐Ÿ Forget About Money on Apple Podcast

    ๐ŸŽง Forget About Money on Spotify

    ๐Ÿค” SPIVA Report of Passive vs Active Fund Performance

    ๐Ÿ‘ Like, Share, and Subscribe: If you enjoyed this episode, please like, share, and subscribe! Your support helps us bring more valuable content to you.

    #๏ธโƒฃ Hashtags: #FinancialSimplicity #NaseemaMcElroy #DebtFreeJourney #Budgeting #SimpleInvesting #FinancialIndependence #PassiveInvesting #FinancialLiteracy #SimplifyFinances #MoneyManagement #EarlyRetirement #InvestingMadeEasy

    ๐Ÿ•’ Timestamps/Chapters:

    0:00 - ๐Ÿš€ Introduction to Naseema McElroy's Journey

    3:39 - ๐Ÿ“ˆ Evolution of Financial Perspectives

    5:31 - ๐ŸŒ Societal Pressures and Financial Complexity

    8:28 - ๐Ÿ”„ Overcoming Financial Confusion and Complexity

    10:57 - ๐Ÿ’ก Impact of Budgeting on Financial Simplification

    11:59 - ๐Ÿง  Psychological Benefits of Simplifying Finances

    13:36 - ๐Ÿ  Pursuing Financial Independence Through Simplicity

    15:29 - ๐Ÿ“‰ The Case for Simple Investing Strategies

    16:51 - ๐Ÿ’ฌ The Illusion of Complexity in Investment Strategies

    20:24 - โš ๏ธ Pitfalls of Combining Insurance and Investing

    23:25 - ๐Ÿ’ช Embracing Simplicity in Wealth Building

    24:20 - ๐Ÿง  Mindset Shifts Towards Financial Simplification

    25:40 - ๐ŸŽ“ The Role of Financial Literacy in Complexity Perception

    26:42 - ๐Ÿ“š The Financial Independence Curriculum Debate

    37:32 - ๐Ÿ—‚๏ธ The Complexity of Investment Strategies

    46:38 - ๐Ÿ’ฅ Overcoming Fear and Taking Action

    47:48 - ๐Ÿ“š Essential Resources for Financial Simplification