Эпизоды
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Are you working hard to build a better life but worried you’re sacrificing what matters most?
In this episode, Chris Baden shares how he reshaped success around faith, family, and intentional entrepreneurship. As a husband, homeschool dad of three, and CEO of FlowChat, Chris brings wisdom from both the boardroom and the breakfast table.
Here’s what you will learn:
✅ How to raise financially confident kids without pressure or perfection
✅ The power of a family mission statement
✅ The “roots and wings” framework for raising grounded, independent kids
✅ How to shift from burnout to alignment by redefining your priorities
✅ Why cultivating skills is more important than forcing choresWhether you're parenting young kids or teens, running a business, or just trying to keep your head above water, this episode offers practical encouragement and meaningful mindset shifts.
🎧 Listen now and discover how to build a family legacy that lasts.
(00:20) Prioritizing Focus and Balance
(04:04) Building Wealth Across Generations
(09:16) Building a Lifelong Marriage and Business
(14:03) Teaching Problem-Solving and Leadership to Kids
(19:49) Youth Media Company Financial Education
(29:27) Lessons Learned From Business Failures
(33:17) Entrepreneurship Challenges and Resilience
🔗 Connect with Chris Baden:
Website: FlowChat.com | Instagram: @chrisbadenConnect with Deb Meyer
Subscribe to our YouTube ChannelDownload your Free Resource
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In this episode of Beyond Budgets®, Deb shares a personal story that hits home—navigating the unexpected cost of her son's surgery, even with insurance. That real-life experience opens the door to a bigger conversation: what are your options when traditional health insurance doesn't fit?
Whether you're between jobs, self-employed, or considering early retirement, Deb breaks down:
What healthcare sharing plans really are—and what they're not
The trade-offs of COBRA vs. marketplace insurance
Why premiums have jumped 47% over the last decade
What to know about pre-existing conditions, preventive care, and reimbursement delays
Her own experience using MediShare during a family sabbatical
Plus, Deb dives into smart open enrollment decisions for those with traditional employer plans—HSA vs. FSA, high-deductible plans, and avoiding costly dental surprises (hello, braces).
This is a must-listen if you’re:
Self-employed and unsure about your healthcare options
In between jobs and overwhelmed by COBRA costs
Comparing insurance during open enrollment
Episode Highlights
(04:56) Understanding Healthcare Cost-Sharing Plans
(13:39) Healthcare Sharing Plans vs. Traditional Insurance
(19:48) Benefits of High Deductible Health Plans
(22:25) Financial Planning for Orthodontic Costs
Resources
Deb’s blog post on Healthcare Sharing Plans
Healthcare Sharing Plan Providers: Medi-Share, Liberty HealthShare, Christian Healthcare Ministries, Samaritan Ministries, Solidarity HealthShare
Connect with Deb Meyer
Subscribe to our YouTube ChannelDownload your Free Resource
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Пропущенные эпизоды?
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Money is more than just paying bills and saving for the future—it’s a tool for living out your values and making a lasting impact. As part of the weeklong event Podcasthon, we’re highlighting Compass Catholic Ministries, a nonprofit dedicated to helping families approach money with wisdom, generosity, and faith.
Join us as Camila Gonzalez shares practical ways to align your finances with your values, get out of debt, and build a strong financial foundation—without feeling overwhelmed.
🔹 What We Cover:
✔️ Why financial stewardship matters—and how to practice it daily
✔️ Simple ways to eliminate debt and create a sustainable spending plan
✔️ How generosity and intentional giving lead to greater financial peace
✔️ Free and low-cost resources for families looking to improve their finances
✔️ How WorthyNest supports faith-driven parents on their financial journey🎧 Take the Next Step:
Explore faith-based financial courses, coaching, and free resources at CompassCatholic.org.To learn more about values-based financial planning for parents, visit WorthyNest.com.
📢 If this episode resonates with you, share it with a fellow parent looking to grow in financial stewardship!
Episode Highlights
(01:59) Learn More About Compass Catholic
(08:56) The Power of Giving Back
(15:30) Resources Offered by Compass Catholic Ministries
(23:14) Significant Growth Potential in Ministry
Connect with Compass Catholic
Take a 6-Week Course
Donate to this Important Mission
YouTube Channel
Connect with Deb Meyer
Subscribe to our YouTube ChannelDownload your Free Resource
Website
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Uncertainty is a constant, but how we react to it makes all the difference. In this episode of Beyond Budgets, we dive into today’s shifting economic and political landscape—including tariffs, job losses, and market trends—and what they could mean for your finances. More importantly, we’ll explore timeless financial principles that can help you stay steady, no matter what’s happening in the world.
Deb Meyer breaks down how to make smart financial decisions in unpredictable times, how emotions impact investing, and why diversification is key. Whether you’re navigating career change or market swings, this episode will give you the perspective you need to move forward with confidence.
What You’ll Learn:✅ Why we naturally avoid risk—and how to reframe uncertainty as opportunity
✅ The potential impact of new economic policies on jobs, inflation, and markets
✅ How to build a resilient investment strategy that withstands market shifts
✅ The role of diversification and why it’s like building the perfect Easter basket
✅ Practical ways to focus on what’s within your control in uncertain timesEpisode Highlights
(02:44) Let’s Talk Tariffs(12:44) Navigating Job Loss With Optimism
(17:05) Importance of Investment Policy Statements
(25:06) Navigating Financial Considerations During Retirement
Resources & Links:📚 Clashing Over Commerce by Douglas Irwin
Enjoying the Show?
📖 You're Probably Expecting This (Article by Jen Ternay)
🎧 Related Episode: Building Wealth Through Strategic Investments (Ep. 24)If you found this episode valuable, please take a moment to rate and review Beyond Budgets. Your support helps more people find the show and make better financial decisions.
Connect with Deb Meyer
Schedule an Initial CallDownload your Free Resource
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Did you know that half of investment advisor clients think they’re getting comprehensive advice, but only 11% actually are? In this episode, Deb Meyer sits down with Stephen Tanenbaum, founder of Rainbook, a platform dedicated to bringing transparency to financial advising. Stephen shares how Rainbook helps parents evaluate their advisors, uncover hidden fees, and make sure they’re getting real value from their financial relationships.
They also discuss:
✅ The difference between fiduciary advisors and commission-based brokers
✅ Common hidden fees in financial advising (and how to spot them)
✅ Why transparency matters in both finances and relationships
✅ Practical financial tips for families balancing work, kids, and budgeting
✅ The role of financial advisors beyond just managing investmentsWhether you're working with an advisor now or considering hiring one, this episode will help you ask the right questions and make smarter financial decisions.
Episode Highlights
(05:40) Fiduciary Advisor on 529 Plans
(10:05) Understanding Financial Advisor Fees
(16:47) Financial Advisor Fees and Services
(25:13) Personal Finance and Budget Planning
Resources Mentioned in This Episode:📌 Rainbook’s Advisor Analyzer Tool – A free tool to evaluate your financial advisor’s fees and credentials.
Connect with Stephen Tanenbaum
📌 FINRA BrokerCheck – A resource to research financial advisors and brokers.
📌 National Association of Personal Financial Advisors – A network of fee-only fiduciary advisors.Learn more about Rainbook: rainbook.com
Connect with Stephen on LinkedIn: https://www.linkedin.com/in/stephen-tanenbaum-9596706/Connect with Deb Meyer
Schedule an Initial Call
Download your Free Resource
Website
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Choosing a financial advisor is a big decision that can shape your family’s financial future. In this episode of Beyond Budgets, Deb Meyer breaks down how to evaluate advisors and find the right fit for your unique goals and values. Whether you’re new to financial planning or transitioning to another advisor, this episode equips you with the knowledge and confidence to make an informed choice.
🔑 What you’ll learn in this episode:Listen in to learn more:
(01:06) Things to Know When Hiring a Financial Advisor
(05:59) Advisors' Conflict of Interest Risk
(11:00) Ideal Client Niche Focus Discussion
(18:39) Faith-Based Investing and Self-Improvement
(24:57) Establishing Long-Term Advisor Compatibility
Resources
Find a CFP® Professional: https://www.letsmakeaplan.org/ NAPFA (fiduciary, fee-only advisors): https://www.napfa.org/ XY Planning Network: https://advice.xyplanningnetwork.com/ Sara Grillo’s directory: https://saragrillo.com/2022/03/14/flat-fee-financial-advisors/ Related article “10 Questions to Ask When Hiring a Financial Advisor”: https://www.worthynest.com/all-posts/questions-when-hiring-a-financial-advisor
Connect with Deb Meyer
Schedule an Initial CallDownload your Free Resource
Website
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Planning for college can feel overwhelming, but it doesn’t have to be. In this episode of Beyond Budgets, host Deb Meyer sits down with Ann Garcia, CFP®, also known as "The College Financial Lady." Ann is the author of How to Pay for College and a mom of twins who recently graduated debt-free. She combines her professional expertise with personal experience to share strategies that will help you save money and reduce stress during the college planning process.
Whether your child is years away from applying or you’re in the thick of FAFSA forms and scholarship deadlines, this episode will leave you feeling more confident and equipped to navigate the journey.
Why You Should Listen
Decode the "real cost" of college: Find out why the sticker price rarely tells the whole story.
Uncover scholarships that match your student: Learn how to focus on opportunities that fit their profile.
Master financial aid tools: Get a crash course on FAFSA, the CSS Profile, and net price calculators.
Appeal like a pro: Discover how to successfully request more financial aid and reduce tuition costs.
Learn from real-life examples: Hear Ann’s lessons from planning for her own twins—and how those lessons can help your family.
If you're ready to feel more in control of funding your child’s college education, this episode is a must-listen.
Key Moments to Tune In For
[06:20] The truth about tuition: Why most families pay far less than the listed price.
[10:23] SAT/ACT scores: Do they still matter for scholarships?
[24:55] How to appeal a financial aid package—and why 75% of appeals succeed.
Resources
Federal Student Aid Estimator
Free Application for Federal Student Aid (FAFSA)
Return on Investment Calculator
Connect with Ann GarciaCollege Financial Plan Masterclass
Book How to Pay for College
Website and Blog howtopayforcollege.com
Connect with Deb Meyer
Schedule an Initial Call
Download your Free Resource
Website
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What’s on your bucket list? Whether exploring far-off destinations, creating stronger family bonds, or getting your finances in shape, this episode is your guide to dreaming big and making it happen.
Host Deb Meyer shares how a simple New Year’s Eve conversation about bucket lists sparked fresh ideas for setting goals that truly matter.
In this episode, you’ll discover:
The surprising link between financial health and overall well-being.
How can stress in one area ripple into another, and what should be done about it?
A three-step framework for financial wellness: shift your mindset, adjust the plan, and center yourself with prayer.
Ready to make 2025 your best year yet? Tune in for stories, strategies, and a fresh perspective on achieving balance and purpose.
Listen in to learn more :
(00:55) Let’s Talk Bucket List
(05:01) Struggling With Work-Life Balance
(17:03) Adapting Your Financial Plan
Resources
Credit Score https://www.nerdwallet.com/article/finance/what-is-a-good-credit-score
Jon Acuff’s NYT bestselling book Soundtracks https://jonacuff.com/soundtracks/
Fr. Timothy Gallagher’s book https://www.frtimothygallagher.org/product-page/discerning-the-will-of-god-an-ignatian-guide-to-christian-decision-making
Spiritual direction with Meritt Petrone https://www.rootsandwingsministries.org/Connect with Deb Meyer
Schedule an Initial CallDownload your Free Resource
Website
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Did you know parents are the best leaders?
In this episode, Dr. Jim Salvucci shares his transformative journey from an English professor to a corporate leader, emphasizing the universal essence of leadership rooted in integrity and soft skills. Jim reflects on how early leadership roles in Boy Scouts and his father's servant leadership model shaped his values-driven approach.
Whether you’re a parent looking to embrace personal growth, self-awareness, or the moral philosophy of leadership, this episode is for you! Also, don’t forget to follow Jim’s blog and podcast, On Leading with Greatness, on Substack.
Listen in to learn more:
(01:07) Parenting and Leadership
(10:05) Lessons in Leadership and Integrity
(17:06) Benefits of Liberal Arts Education
(24:37) Leaders Are Teachers in Disguise
(27:51) Compassionate Leadership in Parenting
Connect with Deb Meyer
Schedule an Initial Call
Download your Free Resource
Website
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It’s that time of year – when we need to start thinking ahead to 2025!
2025 Tax Landscape: Potential extensions to the Tax Cuts and Jobs Act, changes to SALT deduction limits, and strategic timing for estimated tax payments. Electric Vehicle Credits: Tips on maximizing the $7,500 EV credit in 2024 and considerations for foreign car purchases ahead of tariff changes. Small Business Tax Planning: Importance of year-end projections, managing estimated taxes, and finding a proactive CPA. Additional Tax-Smart Strategies: 529 College savings plan contributions Tax-loss harvesting opportunities in taxable brokerage accounts Qualified Charitable Distributions for retirees Roth IRA conversions: when and why to consider them Resources:
In this special episode, Deb Meyer shares year-end tax planning strategies following the recent election. Highlights include:Kitces.com Article on 2025 Tax Changes
Saving for College: 529 Plans by State
Connect with Deb Meyer for personalized advice
Listen in to learn more about :
(04:52) Electric Vehicle and Tariff Considerations
(12:36) Tax Loss Harvesting in Brokerage Accounts
(17:49) Roth IRA Wealth Transfer Strategy
Connect with Deb Meyer
Schedule an Initial Call
Download your Free Resource
Website
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Looking to strengthen your financial partnership with your spouse? Download our free resource, 4 Key Questions for Financial Check-Ins. This guide provides simple, stress-free conversation starters to help couples get on the same page about money, plan for future expenses, and dream together.
Download the Free Resource
In this inspiring episode of Beyond Budgets, host Deb Meyer sits down with Ryan Koral—documentary filmmaker, founder of Tell Studios, and married dad of three. Ryan opens up about his journey from navigating childhood money challenges to empowering others to share their stories through the art of video.
Ryan explains how video can go beyond just capturing moments; it can create lasting family legacies and strengthen emotional connections. He and Deb explore the intersection of faith, finances, and storytelling. Tune in for practical insights on managing money within marriage, teaching kids financial values, and using video to document life’s most meaningful moments.
Listen in to learn more:
(04:40) The Power of Video Storytelling
(13:55) Increasing Giving and Living on Less
(21:49) Effective Client Connection Through Video
(26:11) Winning With Authentic Video Marketing
Connect with Ryan Koral
Smartphone Film Academy
Instagram
Connect with Deb Meyer
Download your Free Resource
Website
Schedule an Initial Call
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Celebrate the one-year anniversary of the Beyond Budgets podcast!!
Join host Deb Meyer as she dives into faith-driven money management inspired by the Compass Catholic Retreat. Discover how to break emotional attachments to material possessions and embrace God-honoring financial stewardship. Through engaging stories and lessons from the parable of the talents, learn to balance worldly desires with spiritual wisdom. Plus, explore advanced charitable giving techniques and the importance of spiritual guidance.
Tune in for practical tips, and follow us for more inspiring financial insights!
Listen to learn more :(00:44) Emotional Attachment to Money Discussion
(06:09) Overcoming Emotional Attachment Through Stewardship
(13:49) Advanced Charitable Giving Techniques
Links Mentioned -
Compass Catholic
WorthyNest Contact
Catholic Financial Planners Network
Connect with Deb Meyer
Website
Schedule a Free Consult
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In this episode of Beyond Budgets, host Deb Meyer is joined by exit strategist and Dream Catchers podcast host Jerome Myers to unpack the complex journey of redefining yourself after big life changes like selling a business or retiring. Together, Deb and Jerome explore the “founder's exit paradox”—the often-overlooked psychological challenges that come with moving on from a career-focused identity—and what it takes to build a fulfilling life based on who you are, not just what you do.
Jerome shares powerful insights on how to separate your self-worth from your job title, offering practical steps to discover and use transferable skills, build meaningful relationships, and keep growing in new ways post-career. This episode dives into balancing health and wealth, maintaining well-being, and finding lasting purpose beyond work. Whether you’re planning your next chapter or in the middle of a transition, this conversation is full of strategies to help you move forward with clarity, confidence, and fulfillment.
Episode Highlights
Links Mentioned -
Free EXIT Assessment - https://theexitparadox.com/assessment
Connect with Jerome Myers
https://jeromemyers.co/
Connect with Deb Meyer
Website
Schedule a Free Consult
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Unlock the secrets of faith-based investing with Deb Meyer in today's episode!
Perfect for Christian and Catholic parents, this episode explores how to harmonize your financial goals with spiritual values. Discover the "avoid, engage, and embrace" framework and the Business 360 approach by Eventide, a leader in ethical investing. Learn about creating faith-based portfolios and explore top-tier companies like Eventide, Ave Maria, and Guidestone. Whether you're a seasoned investor or a newbie, this episode offers insights for values-driven investing.Episode Highlights
* 0:02:53 - 0:03:54 - Ethical Investing Strategies
* 0:08:29 - 0:09:27 - Sustainable Supply Chain & Environmental Preservation
* 0:12:09 - 0:13:45 - Faith-Based Investing in Financial Advisory Work
Links Mentioned -
Eventide Investments: eventideinvestments.com
Faith Driven Investor: faithdriveninvestor.org
Contact WorthyNest: worthynest.com/contact-us
Catholic Financial Planners Network: catholicfinancialplanners.com
Connect with Deb Meyer
Website
Schedule a Free Consult
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In this episode of Beyond Budgets, we’re thrilled to welcome Crystal Ware, a former Fortune 500 corporate leader and attorney who made the bold leap into entrepreneurship. Crystal shares her journey of transitioning from the corporate world to running a small business, driven by the desire for more flexibility, time with family, and personal fulfillment.
Listeners will gain deep insights into:
The importance of aligning your career with personal values and family goals.
Practical strategies for handling financial responsibilities in marriage, including the benefits and drawbacks of joint versus separate accounts.
Tips for saving for long-term financial goals like children’s education.
How to manage a career transition from corporate America to entrepreneurship.
The challenges of wearing multiple hats as a small business owner.
This episode is packed with practical advice and inspiration for anyone considering a career shift or looking to balance professional success and personal fulfillment. Don’t miss it!
Episode Highlights
0:00:04 - 0:14:00 Transition from Corporate America to Entrepreneurship
0:13:43 - 0:17:32 Identifying Your Purpose and Career Path
0:17:32 - 0:30:18 How to Manage Separate Bank Accounts Within A Marriage
Connect with Crystal Ware
Website The Well-Defined Woman
Instagram https://www.instagram.com/crystalware_getclear/
Connect with Deb Meyer
Website
Schedule a Free Consult
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Ready to transform your financial future? Hear a deeply personal story about Deb Meyer’s hard-hitting lessons gained from her first investment during the tech bubble burst. Learn the critical importance of diversification among other investment pillars and the hazards of emotionally charged decision-making.
We'll dissect the pitfalls of market timing and the often misleading influence of financial media, emphasizing the necessity of maintaining a long-term perspective and a clear financial plan.
Determine how to craft an effective asset allocation strategy by understanding the diverse behaviors of equities, bonds, real estate, and commodities. With insights into the Federal Reserve's interest rate maneuvers and their effects on various financial instruments, this episode equips you with the knowledge to build a resilient and balanced investment portfolio.
Listen now to elevate your confidence as an investor!
Episode Highlights
08:07 - 09:32 The Risks of Individual Stock Picking
13:18 - 14:31 Fee-Only vs. Commission-Based Investment Advisors
17:21 - 19:39 Understanding Market Capitalization and Diversification
27:13 - 28:15 Impacts of Changing Interest Rates
Connect with Deb Meyer
Website
Schedule a Free Consult
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What happens when a Manhattan career woman swaps skyscrapers for suburbia and discovers a new kind of creativity?
Join us on Beyond Budgets as we welcome Kimberly Amici, the mastermind behind Build Your Best Family, who shares her extraordinary journey from designer and architect in the bustling city to a mom redefining family culture through faith and daily acts of creativity. Kimberly's story illuminates how she integrates values into everyday life, transforming routine activities like cooking and travel into meaningful family experiences. She provides invaluable insights into encouraging children to think outside the box while crafting a purposeful and enriching family environment.
We also discuss the importance of creating a stable and positive family atmosphere, using tools like Family Culture Discussion Sheets to identify and live by core values. Kimberly’s wisdom and personal anecdotes highlight how simplifying daily priorities can help families truly thrive by establishing a sense of belonging and stability.
Don’t miss this enriching conversation with Kimberly, full of practical tips and heartfelt stories to help you build your best family.
Episode Highlights
(01:03 - 01:52) Expressing Creativity and Faith in Family
(03:04 - 04:54) Exploring Creativity in Everyday Life
(09:45 - 10:52) Discovering Non-Negotiables for Self-Care
(14:44 - 16:18) Family Values and Accountability
(19:10 - 20:04) Defining Family Values With Kids
(26:51 - 27:59) Parenting Through Consistent Decision Making
Connect with Kimberly Amici
Build Your Best Family Website
Connect with Deb Meyer
Website
Schedule a Free Consult
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Moving cross-country is not just about packing boxes; it's about navigating a maze of expenses and unexpected hurdles. When my family decided to leave Florida for Missouri, we faced surprising costs and tough choices.
In this episode of Beyond Budgets, Deb shares how her family balanced the hefty quotes from national moving companies with more affordable, creative options like PODS and regional businesses. Discover the practical tips she learned along the way, including hiring a local young entrepreneur and managing holiday schedules to ensure a smooth transition for her kids.
But the adventure didn’t stop there. Buying a house in Missouri came with its own set of challenges and surprises. From replacing windows and an old water heater to unforeseen plumbing issues, Deb candidly discusses the realities of unexpected homeownership expenses. Reflecting on our choice to buy a home after just one in-person inspection, she highlights the pros and cons, emphasizing the stability renting can offer during such significant life changes.
Episode Highlights
(00:03) Moving Expenses and Budgeting Tips
(11:27) Unexpected Homeownership Expenses
(20:44) Home Buying Lessons Learned
Connect with Deb Meyer
Website
Schedule a Free Consult
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What does it take to successfully merge family values with financial planning? On this episode of Beyond Budgets®, we have the pleasure of speaking with Brian Haney, CEO and co-founder of the Haney Group. Brian takes us through the unique dynamic of running a family-owned business alongside his father and brother.
From balancing the intricate relationships within the family to leveraging their diverse skill sets, Brian shares valuable insights that could benefit anyone considering a family venture. Hear his compelling journey from aspiring journalist to financial professional, illustrating how following his passion led to the formation of a thriving financial practice.
We also demystify the rising costs of long-term care insurance and discuss strategic planning to manage these expenses effectively. Packed with actionable advice and real-world examples, this episode serves as a comprehensive guide for securing your financial future and protecting your loved ones.
Episode Highlights
(02:16 - 04:23) History and Structure of Haney Company
(09:54 - 11:26) Strategic Use of Life Insurance
(14:21 - 16:29) Life Insurance for Families
(21:00 - 22:19) Importance of Care Through Insurance
(26:06 - 27:59) Destigmatizing Long-Term Care Insurance
Connect with Brian Haney
LinkedIn
The Haney Company
Connect with Deb Meyer
Website
Schedule a Free Consult
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Have you ever wondered if your life insurance policy secures your family's future or if it’s just another bill to pay?
Join me, Deb Meyer, on this critical episode of the Beyond Budgets® podcast as we unravel the complexities of life insurance. We'll explore the emotional and financial dimensions of choosing the right life insurance, using relatable comparisons like renting versus owning a home to explain term and permanent policies.
In this episode, we dig into the specifics of term life insurance, with an emphasis on cost-effective premiums, as well as universal and whole life insurance. Gain valuable insights on determining the right amount of coverage based on factors like career stage, number and ages of children, and household expenses.
Tune into this episode to equip yourself with the knowledge to make informed decisions about your family's financial security.
Episode Highlights
(00:26 - 01:20) Navigating Life Insurance for Loved Ones
(03:02 - 04:29) Understanding Different Types of Life Insurance
(08:09 - 09:31) Permanent Insurance Considerations for Families
(19:05 - 20:31) Life Insurance Policy Analysis and Changes
(22:41 - 24:40) Hybrid Long-Term Care Policies Explained
Resources
Find a Fee-Only Advisor on NAPFA
Term Life Insurance Companies
Connect with Deb Meyer
Website
Schedule a Free Consult
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