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๐ก Paul Merriman shares his 12 One-Million Dollar Ideas for achieving financial success, offering practical strategies to help you transform your investment approach. ๐
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. Paulโs advice will help you steer your financial future in the right direction.
In this episode, we discuss:
1๏ธโฃ Save Early vs. Waiting to Get Started: Discover why saving early, even small amounts, creates massive financial growth through compound interest.
2๏ธโฃ 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๏ธโฃ DIY vs. Professional Management: Explore why index funds often outperform actively managed funds, making them a smarter, low-cost choice.
4๏ธโฃ The Power of Diversification: Understand why spreading your investments across small-cap value, large-cap value, and blend stocks strengthens your portfolio.
5๏ธโฃ Market Timing vs. Buy and Hold: Find out why sticking with a buy-and-hold strategy beats trying to time the market.
๐ Paul Merriman's Links:
๐ Merriman Financial Education Foundation
๐ Weโre Talking Millions! 12 Simple Ways to Supercharge Your Retirement (And other Free Book Downloads)
๐ Quilt Charts (Referenced in the Episode):
๐บ 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
๐ David's Links:
๐ฅ Paul Merriman and JL Collins Debate Wealth Strategies
๐ฐ Free Money Course
๐ Forget About Money on Apple Podcasts
๐ง Forget About Money on Spotify
๐ Paul Merriman Quotes:
๐ก "The system is designed to make you spend, not save. You have to arm-wrestle it to build wealth." โ Paul Merriman
๐ก๏ธ "Diversification is your greatest defense. Don't put all your eggs in one basket." โ Paul Merriman
๐ง "Most people will never beat the market. If you can match the market, youโll likely be in the top 10% of all investors." โ Paul Merriman
#financialfreedom #retirementplanning #IndexFunds
๐ง Listen & Subscribe: Don't forget to subscribe to "Forget About Money" for more valuable episodes featuring experts like Paul Merriman. Hit the bell icon ๐ 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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๐ค Wellthy Living is all about balancing personal finance, fitness, and fulfillment to create a life of true wealth and happiness. ๐๏ธโโ๏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๏ธโฃ Brad Finnโs Financial Independence Journey: Learn how Brad leveraged Dave Ramseyโs principles to eliminate debt and build a strong financial foundation.
2๏ธโฃ Fitness and Finance: Discover how Bradโs commitment to physical fitness complements his financial goals, creating a balanced and fulfilling life.
3๏ธโฃ Entrepreneurship and Side Hustles: Explore how Brad turned his hobbies into profitable ventures, including his success on YouTube and in options trading.
4๏ธโฃ Mindset for Success: Understand the importance of optimism and a growth mindset in overcoming challenges and achieving both financial and personal goals.
5๏ธโฃ Real Estate and Hard Money Lending: Get insights into Bradโs approach to real estate investing and why he chose hard money lending as part of his strategy.
๐ Brad's Links:
๐ Brad Finn's YouTube Channel
๐ Brad's Book The Wheel Strategy: Earn Passive Income Selling Calls and Put: Full Guide & Journal
๐ Brad's Physics & Math Channel
๐โโ๏ธ Brad's Ultrarunning Channel
๐ง Brad Finn's 50k Ready Podcast
๐ฅ๏ธ 50k Ready Website
๐ David's Links:
๐ฐ Free Money Course
๐ง Forget About Money on Apple Podcasts
๐ง Forget About Money on Spotify
๐ Brad Finn Quotes:
๐ก "Paying off debt wasnโt just about moneyโit was about freeing my mind and creating the life I truly wanted." โ Brad Finn
๐ช "Fitness and finance go hand in hand. When youโre disciplined in one area, it spills over into others." โ Brad Finn
๐ "Turning my hobbies into income streams wasnโt just about making money; it was about living a life that Iโm passionate about." โ Brad Finn
๐ Episode Highlights:
๐ธ Brad Finnโs Financial Independence Story
๐ช How Fitness Fuels Financial Success
๐ Turning Hobbies into Income Streams
๐ง Mindset for a Balanced and Happy Life
๐ก Real Estate Strategies Beyond Ownership
#financialindependence #personalfinance #fitnessjourney #entrepreneurship #mindsetmatters #debtfreeliving
๐ง Listen & Subscribe: Don't forget to subscribe to "Forget About Money" for more inspiring episodes with guests like Brad Finn. Hit the bell icon ๐ 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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๐ช The Fun Bucket is a transformative strategy to help retirees shift from a saving to a spending mindset, enabling guilt-free enjoyment of retirement.
๐ 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๏ธโฃ What is a Fun Bucket?: Kevin and Mark explain the concept and its importance in retirement planning.
2๏ธโฃ Shifting from Frugality to Fun: Learn how the Fun Bucket helps retirees break free from the frugal mindset.
3๏ธโฃ Managing Your Fun Bucket: Practical tips on allocating, spending, and replenishing your Fun Bucket.
๐ Kevinโs Links:
๐ Life in FIRE Blog
๐ท The HOGs article
๐ Markโs Links:
๐ Mark's Money Mind Blog
โถ๏ธ Mark's Money Mind Podcast on YouTube
๐ David's Links:
๐ฐ Free Money Course
๐ง Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify
๐ Kevin Sebesta Quote:
๐ก "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
๐ Mark Trautman Quote:
๐ "If you donโt spend it, your inheritors gladly will. That thought has influenced me to use the Fun Bucket and enjoy the wealth Iโve accumulated while I can." โ Mark Trautman
๐ Episode Highlights:
๐ก The importance of balancing savings and spending in retirement
๐ Practical tips for managing your Fun Bucket
๐ Shifting from frugality to a spending mindset
#retirementplanning #PersonalFinance #moneymindset
๐ง Listen & Subscribe: Donโt forget to subscribe to "Forget About Money" for more insights from financial experts like Kevin Sebesta and Mark Trautman. Hit the bell icon ๐ to stay updated on new episodes!
๐ Timestamps/Chapters:
0:00 - ๐๏ธ What is a Fun Bucket?
5:12 - ๐ก Overcoming the Frugality Mindset
10:13 - ๐ ๏ธ How to Start Your Fun Bucket
15:24 - ๐ Managing the Fun Bucket
20:37 - ๐ Guilt-Free Spending in Retirement
25:18 - ๐ฏ Allocating Funds for Maximum Joy
30:29 - ๐ Memory Dividends Explained
34:29 - ๐ Adjusting Your Fun Bucket Over Time
38:47 - ๐งพ Fun Bucket vs. Traditional Budgeting
43:12 - ๐ฅณ 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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๐ Risk Parity is an investment strategy that could reshape how you manage risk and increase your portfolioโs resilience. ๐ฏ
In this episode, we discuss:
1๏ธโฃ What is Risk Parity?: Discover how Risk Parity differs from traditional diversification and why itโs essential for a resilient portfolio.
2๏ธโฃ 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๏ธโฃ 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.
๐ Frank's Links:
๐ Risk Parity Radio
๐ Tyler's Risk Parity Portfolio Charts
๐ฏ Golden Butterfly Portfolio
๐ Risk Parity Portfolios
๐ Portfolio Visualizer
๐ Donate to Frank's Charity
๐ David's Links:
๐ฐ Free Money Course
๐ง Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify
๐ Frank Vasquez Quotes:
๐ก "Risk Parity is about balancing the risk, not just spreading capitalโit's a smarter way to build a resilient portfolio." โ Frank Vasquez
๐ "By embracing Risk Parity, you could potentially increase your Safe Withdrawal Rate to 5%, offering more financial freedom in retirement." โ Frank Vasquez
๐ Episode Highlights:
๐ก Risk Parity vs. Traditional Diversification
๐ Increasing Safe Withdrawal Rate to 5%
๐ Implementing Risk Parity with ETFs
๐ฏ Effective Portfolio Management Strategies
๐ Optimizing Retirement Planning
#financialindependence #retirementplanning #investmentstrategies
๐ง Listen & Subscribe: Don't forget to subscribe to "Forget About Money" for more insightful episodes featuring experts like Frank Vasquez. Hit the bell icon ๐ 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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๐ฑInvestment Strategies for Different Life Stages are essential for tailoring your approach to wealth management as you age. ๐ณ
In this episode, we discuss:
1๏ธโฃ 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๏ธโฃ 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๏ธโฃ 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.
๐ Bill's Links:
๐ Williamโs Website
๐ The Four Pillars of Investing
๐ The Delusions of Crowds
๐ Social Security Calculator
๐ Your Money & Your Brain
๐ The Secret of Our Success
๐ How Religion Evolved
๐ David's Links:
๐ฐ Free Money Course
๐ Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify
๐ William Bernstein Quotes:
๐ก "The purpose of money is not to buy things. The purpose of money is to buy you time and autonomy." โ William Bernstein
๐ "Sticking with your allocation, your strategy through thick and thin matters infinitely more than what your precise strategy is." โ William Bernstein
๐ Episode Highlights:
๐ก Life Cycle Investing: Tailoring Your Strategy
๐ Managing Human Capital in Investing
โฐ Behavioral Finance Insights for Better Decisions
๐ Effective Retirement Planning Tips
๐ฏ Achieving Financial Independence
#financialfreedom #InvestmentStrategies #retirementplanning
๐ง Listen & Subscribe: Don't forget to subscribe to "Forget About Money" for more insightful episodes featuring experts like William Bernstein. Hit the bell icon ๐ 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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๐งข 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! ๐ก
In this episode, Stan Haithcock discusses:
1๏ธโฃ 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๏ธโฃ 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๏ธโฃ Addressing Annuity Misconceptions: Understand why many people blindly shun annuities and what we can do to educate others on their true benefits.
๐ Stanโs Links:
๐ Annuity Calculators and Rates
๐ Stanโs YouTube
๐ก Stan's Website
๐ฅ Health Insurance Guaranty Associations
๐ฅ You Already Won, Why are you Still Playing?
๐ David's Links:
๐ฐ Free Money Course
๐ Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify
๐ Key Topics Discussed:
๐ Introduction to Annuities: What is an Annuity?
๐ Different Types of Annuities Explained
๐ Stan's Tagline: "Will do, Not Might do!"
๐ Factors to Consider Before Buying An Annuity
๐ Strategies for Incorporating Annuities into Retirement Planning
๐ Contractual Guarantees and Transfer of Risk
๐ Comparing Annuities with the 4% Rule for Withdrawals
๐ Annuity Taxation Insights
๐ Misconceptions About Annuities and Overcoming Biases
๐ Simple, Low-Fee Annuities for Financial Independence
๐ Timestamps/Chapters:
0:00 - ๐๏ธ Introduction to Annuities: What is an Annuity?
5:44 - ๐ Different Types of Annuities
11:52 - ๐ Stan's Tagline and Philosophies
14:53 - ๐ฐ Factors to Consider for Annuities
18:54 - ๐ Annuity Strategies in Retirement Planning
22:05 - โ ๏ธ Contractual Guarantees and Risks
26:00 - ๐ Comparing Annuities with the 4% Rule
29:00 - โ Taxation and Legal Considerations
29:56 - ๐ฏ Overcoming Annuity Misconceptions
32:24 - ๐ Simple, Low-Fee Annuities for FI
36:56 - ๐ Final Thoughts and Recommendations
41:35 - ๐ต Closing Remarks
#Annuity #retirement #financialindependence
๐ง Listen & Subscribe:
Don't forget to subscribe to "Forget About Money" for more insightful episodes featuring experts like Stan Haithcock. Hit the bell icon ๐ 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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๐ฒCody Berman shares his expert insights on passive income ideas that generate a whopping $75,966 per month! ๐
In this episode, Cody Berman discusses:
1๏ธโฃ Top Passive Income Ideas: Discover how Cody uses digital products, real estate, investment returns, and affiliate marketing to build substantial monthly income.
2๏ธโฃ Practical Advice for Beginners: Learn realistic expectations, strategies for balancing a full-time job, and how to achieve financial independence through passive income.
3๏ธโฃ 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.
๐ Codyโs Links:
๐ Cody's Free Workshop
๐ง Codyโs Podcast
๐ The 4-Hour Work Week Book
๐ David's Links:
๐ฐ Free Money Course
๐ Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify๐ Episode Highlights:
๐ก Cody's Top Passive Income Strategies
๐ Practical Steps for Beginners
โฐ Balancing Side Hustles with a Full-Time Job
๐ Codyโs Personal Journey and Financial Independence
#PassiveIncomeIdeas #CodyBerman #FinancialIndependence
๐ง Listen & Subscribe:
Don't forget to subscribe to "Forget About Money" for more insightful episodes featuring experts like Cody Berman. Hit the bell icon ๐ 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.
๐ Timestamps/Chapters:
0:00 - ๐๏ธ Introduction to Passive Income Strategies
5:44 - ๐ Cody's Journey into Passive Income
11:52 - ๐ Success and Personal Growth
14:53 - ๐ฐ Breakdown of Passive Income Streams
18:54 - ๐ Impact of Passive Income on Others
22:05 - โ ๏ธ Challenges and Realistic Expectations
26:00 - ๐ Balancing Side Hustles with a Full-Time Job
29:00 - โ Pros and Cons of Passive Income
29:56 - ๐ฏ Role in Portfolio and Life Goals
32:24 - ๐ Rewarding Feelings and Overcoming Guilt
36:56 - ๐ Cody's Course and Digital Products
41:35 - ๐ต Closing Remarks and Musical Collaborations
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๐ค 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
๐ Key Topics Discussed:
๐ Introduction to Financial Independence Tax Planning
๐ Top Five Tax Planning Strategies
๐ Reducing Taxes Through Daily Habits
๐ Tax Strategies for High-Income Earners
๐ Solo 401k and Small Business Owners
๐ Seanโs Links:
๐ The FI Tax Guy Blog
๐ Seanโs Book on Solo 401k
๐ฅ Sean's YouTube Video: Pay NO Federal Income Taxes in Retirement!!!
๐ธ Seanโs Twitter
๐ Annuities Paper on SSRN
๐ IRS Trade or Business Defined
๐ David's Links:
๐ฐ Free Money Course
๐ Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify
๐ Timestamps/Chapters:
0:00 - ๐๏ธ Introduction to Financial Independence Tax Planning
5:21 - ๐ Top Five Tax Planning Strategies
14:07 - ๐ฆ Reducing Taxes Through Daily Habits
24:41 - ๐ผ Tax Strategies for High-Income Earners
29:30 - ๐ข Solo 401k and Small Business Owners
34:12 - ๐ Exploring the Buy, Borrow, Die Strategy 36:45 - ๐ก Inheritance and Real Estate Strategy
46:45 - ๐ Accumulation vs. Decumulation Strategies
55:29 - ๐ฅ Taking Control of Your Health and Healthcare
1:01:13 - ๐ Annuities - Risks and Considerations
1:07:54 - ๐ Tax Cuts and Jobs Act - Extension Predictions
1:10:54 - ๐ Emerging Tax Trends and Exploration Opportunities
1:13:18 - ๐ง Critical Thinking in Financial Decision-Making
1:16:50 - ๐ก Misconceptions About Roth IRAs and Traditional Accounts
1:20:22 - ๐ Proactive Healthcare Approaches for FI Community
๐ง Listen & Subscribe: Donโt 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 ๐ to get notified of new episodes!
#๏ธโฃ 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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๐ฅ David chats with Christine Benz, Director of Personal Finance at Morningstar and author of *How to Retire: Lessons from 20 Retirement Thought Leaders*. ๐
๐ Christine shares her journey and key insights on how to retire happily, emphasizing a holistic approach to retirement planning. ๐
๐ก She discusses the importance of aligning spending with happiness, nurturing relationships, and staying adaptable in retirement. ๐งโโ๏ธ
๐ Key Topics Discussed:
โจ Importance of Relationships in Retirement
โจ Knowing Your Retirement Income Style
โจ Aligning Spending with Happy Retirement Goals
๐ Christineโs Links:
๐ How to Retire Book
๐ Bogleheads Foundation
๐ Morningstar Profile
๐๏ธ Christineโs Podcast
๐ธ Christineโs Twitter
๐ David's Links:
๐ฐ Free Money Course
๐ Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify
๐ Episode Highlights:
๐ฅ Christine's holistic approach to retirement planning
๐จ Aligning spending with personal happiness and values
๐ก The significance of nurturing relationships in retirement
๐ง Listen & Subscribe: Donโt 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 ๐ to get notified of new episodes!
#๏ธโฃ Hashtags: #RetireHappily #ChristineBenz #RetirementPlanning #HappyRetirement #FinancialIndependence #PersonalFinance #RetirementIncome #HolisticRetirement #PhasedRetirement #PurposeDrivenLife #FinancialWellness
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๐ David chats with Dion McNeeley, a real estate investor who retired early using unique strategies. ๐ก
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.
๐ก Learn how Dion achieved early retirement in under 10 years and his six steps to financial freedom through real estate. ๐
๐ Key Topics Discussed:
โจ Transitioning from financial low to real estate empire
โจ Building a rental real estate empire for early retirement
โจ Achieving financial freedom and early retirement
โจ Six steps to financial freedom with real estate
๐ Dionโs Links:
๐บ Dionโs YouTube Channel
๐ Dionโs Binder Strategy
๐ Bigger Pockets Rental Real Estate Bootcamp
๐๏ธ Real Estate Rookie Show
๐ช Matt the Lumberjack Landlord
๐จโ๐ผ Millennial Mike
๐ก What is a DSCR Loan?
๐ Joe Kuhn Bucket Strategy
๐ก Michael Zuber
๐ David's Links:
๐ฐ Free Money Course
๐ Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify
๐ง Listen & Subscribe:
Donโt 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 ๐ to get notified of new episodes!
#๏ธโฃ Hashtags:
#RetireEarlyWithRealEstate #DionMcNeeley #FinancialFreedom #RealEstateInvestment #RentalIncome #EarlyRetirement #PassiveIncome #RealEstateStrategies #FinancialIndependence #RealEstateInvestor
๐ Timestamps/Chapters:
0:00 - ๐ Introduction to Financial Freedom with Dion McNeely
1:17 - ๐ธ Overcoming Financial Challenges and Debt
2:31 - ๐ค Initial Reservations About Real Estate Investment
4:14 - ๐ Transitioning from Financial Low to Real Estate Empire
6:33 - ๐ก Building Rental Real Estate Empire for Early Retirement
12:08 - ๐ฐ Achieving Financial Freedom and Early Retirement
14:56 - ๐ช Persistence in Real Estate Investing Despite Challenges
15:54 - ๐ Utilizing the Binder Strategy for Rent Increases
24:44 - ๐ The Binder Strategy
30:06 - ๐ต Reaching Financial Freedom
34:32 - ๐ Six Steps to Financial Freedom
41:45 - ๐๏ธ Retirement Reflections
45:51 - ๐ Life After Retirement
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๐ฌ 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. ๐๏ธ
๐ Sarah shares her journey from debt repayment to establishing a successful portfolio of rental properties, offering invaluable advice for real estate investing beginners. ๐ผ
๐ Key Topics Discussed:
โจ Real estate investing for beginners: Tips and strategies
โจ Understanding real estate investing fundamentals and types
โจ Calculating cash flow and using the 1% rule
๐ Sarahโs Links:
๐ธ Sarahโs Kingโs Instagram
๐ฑ Deal Check App
๐ฅ Brandon Turnerโs Four Square Method
๐ Set for Life book by Scott Trench
๐น HSA - Health Savings Account Benefits
๐ Chad Carson aka Coach Carson
๐ Paula Pantโs โYour First Rental Property Courseโ
๐ Raising Private Capital book by Matt Faircloth
๐ The Hands Off Investor book for Syndication Deals by Brian Burke
๐ธ Soli Cayetanoโs Instagram
๐ The Simple Path to Wealth book by JL Collins
๐ Retire Early with Real Estate book by Chad Carson
๐๏ธ Bigger Pockets Rookie Podcast
๐ David's Links:
๐ฐ Free Money Course
๐ Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify
๐ Rich Dad Poor Dad book by Robert Kiyosaki
๐ง Listen & Subscribe:
Donโt 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 ๐ to get notified of new episodes!
#RealEstateInvestingForBeginners #SarahKing #RealEstateInvesting #CashFlow #PropertyInvestment #HouseHacking #RentalProperties #TaxBenefits #RealEstateStrategies #FinancialIndependence #InvestingTips
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๐ 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. ๐ผ
๐ก Karsten shares his journey from a finance professional to a renowned blogger, emphasizing the importance of customized retirement planning and effective risk management. ๐
๐ Episode Highlights:
๐ฅ Karsten's journey into retirement planning and blogging
๐จ Strategies to manage Sequence of Returns Risk
๐ก Effective safe withdrawal rates and retirement timing
๐ Insights into diversified portfolio and asset allocation
๐ Options for your retirement income strategies
๐ Karstenโs Links:
๐ Early Retirement Now Blog
๐ Safe Withdrawal Rate Series
๐ฃ Big ERN's CampFI Talk about the Need for Precision
๐ David's Links:
๐ฐ Free Money Course
๐ Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify
#๏ธโฃ Hashtags: #SequenceOfReturnsRisk #SafeWithdrawalRates #RetirementPlanning #KarstenJeske #MarketVolatility #RetirementIncome #AssetAllocation #DiversifiedPortfolio #NegativeReturns #FinancialSecurity #TaxEfficientRetirement #FI #FinancialIndependence #EarlyRetirement
๐ Timestamps/Chapters:
0:00 - ๐ Introduction to Sequence of Returns Risk and Safe Withdrawal Rates
2:32 - ๐จโ๐ซ Karsten Jeske's Background and Expertise
5:03 - ๐ Transitioning from Professional Work to Blogging
11:11 - ๐ผ Karsten's Experience in Finance and Economics
14:37 - ๐ Defining Sequence of Returns Risk and Safe Withdrawal Rate
23:46 - ๐ต๏ธโโ๏ธ Factors to Consider Before Officially Retiring
29:11 - โณ Planning for Retirement Timing and Market Factors
36:06 - ๐ Mindset Shifts from Accumulation to Decumulation
39:55 - ๐ Navigating the Safe Withdrawal Rate Series on the Blog
40:21 - ๐ฅ Introduction to the Fire Community
47:04 - ๐ Importance of Research Before Retirement
52:16 - ๐ก Debunking the Bucket Strategy
1:05:19 - ๐ Managing Sequence Returns Risk
1:14:55 - ๐ Considering the Risk of a Recession
1:17:37 - ๐ฌ Perception of Safe Withdrawal Rates
1:19:34 - ๐ง Acknowledging Expertise in Safe Withdrawal Rates
๐ง Listen & Subscribe:
Donโt 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 ๐ to get notified of new episodes!
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๐ฅ David chats with Naseema McElroy, a registered nurse and financial coach behind Financially Intentional. ๐ฆ
๐ก She emphasizes the importance of simplifying finances, budgeting, and low-cost investing for long-term success. ๐
๐ Key Topics Discussed:
โจ The importance of simplifying finances
โจ Psychological benefits of financial simplicity
โจ Simple investment strategies for financial independence
๐ Naseemaโs Links:
๐ฅ Financially Intentional Website
๐ธ Naseemaโs Instagram
๐ธ Financially Intentional YouTube Channel
๐ฐ Monarch Money
๐ A Simple Path to Wealth by JL Collins
๐ The Index Card Book
๐ The Millionaire Next Door Book
๐ฆ Move Your 401k For Free
๐ David's Links:
๐ฐ Free Money Course
๐ Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify
๐ค SPIVA Report of Passive vs Active Fund Performance
๐ Like, Share, and Subscribe: If you enjoyed this episode, please like, share, and subscribe! Your support helps us bring more valuable content to you.
#๏ธโฃ Hashtags: #FinancialSimplicity #NaseemaMcElroy #DebtFreeJourney #Budgeting #SimpleInvesting #FinancialIndependence #PassiveInvesting #FinancialLiteracy #SimplifyFinances #MoneyManagement #EarlyRetirement #InvestingMadeEasy
๐ Timestamps/Chapters:
0:00 - ๐ Introduction to Naseema McElroy's Journey
3:39 - ๐ Evolution of Financial Perspectives
5:31 - ๐ Societal Pressures and Financial Complexity
8:28 - ๐ Overcoming Financial Confusion and Complexity
10:57 - ๐ก Impact of Budgeting on Financial Simplification
11:59 - ๐ง Psychological Benefits of Simplifying Finances
13:36 - ๐ Pursuing Financial Independence Through Simplicity
15:29 - ๐ The Case for Simple Investing Strategies
16:51 - ๐ฌ The Illusion of Complexity in Investment Strategies
20:24 - โ ๏ธ Pitfalls of Combining Insurance and Investing
23:25 - ๐ช Embracing Simplicity in Wealth Building
24:20 - ๐ง Mindset Shifts Towards Financial Simplification
25:40 - ๐ The Role of Financial Literacy in Complexity Perception
26:42 - ๐ The Financial Independence Curriculum Debate
37:32 - ๐๏ธ The Complexity of Investment Strategies
46:38 - ๐ฅ Overcoming Fear and Taking Action
47:48 - ๐ Essential Resources for Financial Simplification
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๐ฌ David Baughier sits down with Ryan Connell, an early retiree with a knack for aligning values with finances. Ryan talks about his leap from real estate to passive index funds. His story showcases the magic of intentional living and mindful spending. ๐
๐ก Ryan introduces the concept of negative time, highlighting the importance of creating space in our lives for genuine freedom. He shares practical tips to help you balance your life and reduce stress. Turns out, doing less can actually mean living more! ๐ฐ๏ธ
๐ธ Ryan also explores impermanence and the Japanese idea of ikigai. By accepting life's fleeting nature, he finds deeper satisfaction and purpose. He encourages aligning your passions with your daily activities, so every moment is filled with intention and joy. Who knew philosophy could be this fun? ๐
๐ Key Topics Discussed:
โจ Ryanโs transition from real estate to passive index funds
โจ Understanding and applying the concept of "enough"
โจ Strategies for creating "negative time" in daily life
โจ Embracing impermanence and the evolving nature of purpose
โจ Finding your ikigai and living a fulfilled, purposeful life
๐ Ryan's Links:
๐บ CampFI YouTube: Life Lessons From The First Year of Early Retirement
๐ Inspiring Root of Good Blog
๐ฐ YNAB Finance App
๐ Your Money or Your Life Book
๐ Rich Dad Poor Dad Book
๐ฃ Jiro Dreams of Sushi Movie
โ๏ธ Going Cheap Flights Site
๐ Siddhartha Book
๐ David's Links:
๐ฐ Free Money Course
๐ Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify
๐ Timestamps/Chapters:
0:00 - ๐ Introduction to Ryan Connell's Early Retirement Insights
4:16 - ๐ก Discovering the Concept of Enough with Justin's Root of Good Blog
6:57 - ๐จโ๐ฉโ๐งโ๐ฆ Sharing Early Retirement Plans with Family and Friends
10:01 - ๐ก Transitioning from Real Estate to Passive Index Funds
14:26 - ๐ Evaluating Progress Towards Financial Independence
17:55 - ๐ Imparting Financial Wisdom to Young Adults
19:06 - ๐ฐ Navigating Financial News and Media Influence
20:10 - ๐ฐ๏ธ Exploring Concepts of Negative Time, Impermanence, and Ikigai
24:02 - ๐ง Embracing Negative Time
26:56 - ๐๏ธ Planning for Annual Time
32:18 - ๐ธ Embracing Impermanence
37:56 - ๐ Unveiling Ikigai Concept
44:07 - โ๏ธ Balancing Transient Nature
๐ Like, Share, and Subscribe:
If you enjoyed this episode, please like, share, and subscribe! Your support helps us bring more valuable content to you.
#๏ธโฃ Hashtags:
#EarlyRetirement #FinancialIndependence #MeaningfulLiving #FIREMovement #NegativeTime #Impermanence #Ikigai #PassiveIncome #IntentionalLiving #PersonalFinance
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๐๏ธ David Baughier sits down with Dr. Leif Dahleen, the renowned Physician on FIRE, to discuss achieving financial independence through prudent financial management.
Dr. Leif Dahleen, a retired anesthesiologist, shares his journey from a high-earning medical professional to financial independence and early retirement.
He provides insights on transitioning from a demanding career, the importance of financial planning, and the benefits of a frugal yet fulfilling lifestyle. ๐๐
๐ Key Topics Discussed:
โจ Leifโs journey to financial independence and early retirement
โจ The challenges and rewards of a high-paying medical career
โจ The role of frugality and prudent financial management
โจ Transitioning from a medical career to retirement
โจ Advice for those seeking financial independence
๐ Leif Dahleenโs Links:
๐ Physician on FIRE Blog
๐ David's Links:
๐ฐ Free Money Course
๐ Forget About Money on Apple Podcast
๐ง Forget About Money on Spotify
๐ Timestamps/Chapters:
0:00 - ๐ Introduction to Financial Independence Journey
1:17 - ๐ก Discovering Financial Independence
2:25 - โ๏ธ Immediate Changes After Epiphany
3:05 - ๐ Crafting a Five-Year Plan
5:11 - ๐ Transitioning to Financial Independence Knowledge
10:45 - ๐ญ Shifting Mindset and Desires
14:12 - ๐ฅ Unique Challenges in Medical Profession
16:09 - ๐ค Identity and Transitioning from Career
16:35 - ๐ง Challenges of Ego and Identity in Retirement
17:16 - ๐ Transition to Full Retirement
19:40 - ๐ช Coping with Retirement and Relationships
21:17 - ๐ Enjoying Family Adventures
24:34 - ๐ก Building and Finalizing a New Home
28:02 - ๐ฉบ Missed Aspects of Being an Anesthesiologist
30:03 - โฑ๏ธ Transition to New Job as a Timer
38:18 - ๐ป Inception of Physician on FIRE Blog
40:11 - ๐ Rewards of Building FI Community
43:36 - โ๏ธ Balancing Work and Family Priorities
46:43 - ๐ Reflections on Career Path if Not Anesthesiologist
47:45 - ๐ธ Managing Debt During Medical School
51:50 - ๐ Advice for Starting Financial Independence Journey
#๏ธโฃ Hashtags:
#FinancialIndependence #EarlyRetirement #PhysicianOnFIRE #MedicalProfession #Frugality #FinancialPlanning #FIJourney #FamilyTravel #PersonalFinance #RetirementPlanning #FICommunity #MoneyManagement
๐ง Listen & Subscribe: Donโt forget to subscribe to "Forget About Money" for more insightful episodes featuring experts who guide you on safeguarding your finances and making informed decisions. Hit the bell icon ๐ to get notified of new episodes!
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๐คDavid Baughier chats with Brett Killian, an associate professor at Lakeland University, to discuss essential money lessons for Gen Z. ๐ธ๐
Brett shares his expertise in personal finance, drawing from over a decade of experience teaching college students. ๐
Discover practical strategies for minimizing student debt, building wealth, and making informed financial decisions that set you up for a successful future. ๐ก๐ผ
๐ Key Topics Discussed:
โจ Brett Killian's top money lessons for Gen Z
โจ Habits and investing strategies of millionaires
โจ Practical ways to minimize student debt, including college hacking and gap years
โจ Importance of "Pay Yourself First" strategy and automation in saving
โจ Efficiency in managing the "Big Three" expenses: housing, transportation, and food
โจ Clarifying the differences between saving and investing
โจ Understanding and building credit scores responsibly
โจ Basics of insurance and the importance of term life insurance over whole life insurance
๐ Timestamps/Chapters:
0:00 - ๐ Introduction to Money Lessons for Gen Z
5:03 - ๐ผ Millionaire Habits
10:12 - ๐ College Debt Hacks
20:45 - ๐ธ Pay Yourself First
25:52 - ๐ ๐๐ด Budgeting: The Big 3
34:09 - ๐ฐ Savings vs. Investing
38:35 - ๐ Simple Investing Tips
44:45 - ๐ Credit Scores Explained
56:26 - ๐ก๏ธ Insurance Basics
59:55 - ๐ก Homebuying Tips
1:01:17 - ๐ Personal Stories and Financial Decisions
1:14:09 - ๐ Impact of Financial Education on Young People
1:14:21 - ๐ Summary of Financial Topics Covered
๐ Brett's Links:
๐ NextGen Financial Freedom Blog: https://nextgenfinancialfreedom.com
๐ David's Links:
๐ฐ Free Money Course: https://www.fiology.com/free-money-course/
๐ Forget About Money on Apple Podcast: https://podcasts.apple.com/us/podcast/forget-about-money/id1730601757
๐ง Forget About Money on Spotify: https://open.spotify.com/show/5BQTKUPL6IHtXCEJTY9jYo
๐ Episode Highlights:
๐ก Brett's essential money lessons tailored for Gen Z
๐ Insights into the habits and investing strategies of millionaires
๐ธ Practical tips on minimizing student debt through college hacking and gap years
๐ก Strategies for managing the "Big Three" expenses: housing, transportation, and food
๐ฐ Understanding the "Pay Yourself First" strategy and the importance of automation in saving
๐ Clarification of the differences between saving and investing
๐ Building and maintaining credit scores responsibly
๐ Basics of insurance and the importance of choosing term life insurance over whole life insurance
#๏ธโฃ Hashtags:
#GenZMoney #BrettKillian #MoneyLessons #FinancialLiteracy #StudentDebt #InvestingTips #PersonalFinance #CollegeHacking #PayYourselfFirst #FrugalLiving #CreditScores #InsuranceBasics #TermLifeInsurance #FinancialEducation #SmartInvesting
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โ ๏ธ David Baughier sits down with Danielle Ryan, a YouTuber dedicated to exposing online coaching scams. ๐ต๏ธโโ๏ธ
Danielle shares her journey from a modest YouTube channel to a thriving platform with 25,000 subscribers.
Discover her personal experience of being scammed and learn valuable tips on how to protect yourself from online scams.
๐ Key Topics Discussed:
โจ Danielleโs rise on YouTube and her mission against online scams
โจ Her personal story of being scammed out of $4,500 by a coach
โจ Identifying red flags in online coaching and courses
โจ Practical advice on choosing trustworthy coaches and courses
โจ The impact of generational perspectives on online work
๐ Timestamps/Chapters:
0:00 - ๐ Introduction to Danielle Ryan's Journey
2:20 - ๐ฉโ๐ผ Life Before Starting YouTube Channel
6:55 - ๐ฑ Danielle's Experience Being Scammed
8:18 - ๐ Coaching Experience Turned Unsuccessful
10:35 - โ๏ธ Lack of Recourse in Coaching Scams
12:01 - ๐ Rise of Online Coaching Scams
15:33 - ๐ฉ Signs of Online Coaching Scams
17:16 - ๐ณ Extreme Experiences in Coaching Scams
21:25 - ๐ Crafting a Genuine Coaching Course
24:05 - ๐ Choosing a Trustworthy Coach
28:21 - ๐ Researching Coaches Outside of Social Media
33:38 - ๐ฅ Starting a YouTube Channel Tips
36:49 - ๐ฎ Future Direction of Danielle's Content
37:52 - ๐ผ Danielle's Current Business Ventures
38:49 - ๐ต Generational Perspective on Online Work
39:25 - ๐ Wrapping Up the Interview
๐ Danielleโs Links:
๐ฅ Discovery Video: How Much Money YouTube Paid Me with 1500 Subscribers: https://youtu.be/HdlyA97mzeI?si=BhbI0qEU02B8dju0
๐ธ Danielleโs Instagram: https://www.instagram.com/itsdanielleryan
๐ต Danielleโs TikTok: https://www.tiktok.com/@itsdanielleryan
๐ธ Lost Entire $100k 401(k): https://youtu.be/85re8qWgBdY
๐ฌ Former Coach Exposes the Truth: https://youtu.be/0IeFOKWJCBU
๐ Debt Coaching Scam: https://youtu.be/OIbKXP7IPGI
๐ David's Links:
๐ฐ Free Money Course: https://www.fiology.com/free-money-course/
๐ Forget About Money on Apple Podcast: https://podcasts.apple.com/us/podcast/forget-about-money/id1730601757
๐ง Forget About Money on Spotify: https://open.spotify.com/show/5BQTKUPL6IHtXCEJTY9jYo
๐ Episode Highlights:
๐ฅ Danielle's rise from 1,500 to 25,000 YouTube subscribers
๐จ Warning signs of online coaching scams
๐ก Tips on selecting genuine online courses and coaches
๐ค Insight into the lack of recourse for scam victims
๐ฌ Discussion on the role of intention and measurable outcomes in coaching
#๏ธโฃ Hashtags:
#AntiScammer #DanielleRyan #OnlineScams #CoachingScams #YouTubeGrowth #OnlineCourseScams #ProtectYourself #OnlineSafety #YouTubeSuccess #ContentCreator #DigitalScams #InternetSafety #ScamAwareness #BusinessAdvice #OnlineCoaching
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๐ง In this episode of "Forget About Money," host David Baughier interviews John Letaw, a retired naval officer and TRICARE expert.๐
John, The TRICARE Guy, shares his extensive knowledge about the TRICARE healthcare system, providing invaluable insights for military retirees and their families.
John discusses: โฃโฃโฃโฃโฃ
โช Various TRICARE plans (Prime, Select, Reserve, and Retired Reserve) ๐ฅ
โช The challenges of transitioning to retirement ๐
โช Enrollment processes and pitfalls ๐
โช Changes in TRICARE Select fees ๐ธ
โช Coverage criteria for different treatments, including weight loss drugs and medical emergencies ๐ฉบ
โช Dental and vision care through FedVIP ๐ฆท๐
โช Navigating TRICARE while living abroad โ๏ธ
โช Emerging trends and resources for staying informed ๐
โช Don't miss John's personal anecdotes and practical advice to make the most of your TRICARE benefits. ๐โจ
๐ Links:
David's Links:
๐ Fiology: https://www.fiology.com/free-fiology-workbook/
John's Links:
๐ Get John's book "Tricare Around the World" on Amazon: https://a.co/d/eJfcxMx
๐ฌ Join the TRICARE Facebook group: https://www.facebook.com/groups/tricareatw/
๐ The TRICARE Guy Website and Mailing List: https://thetricareguy.com/
๐ฅ John's YouTube Channel: http://www.youtube.com/@thetricareguy
Additional TRICARE Resources mention can be found in our YouTube description
๐ Timestamps/Chapters:
0:00 ๐ข Introduction to TRICARE and John Letaw
3:30 ๐ TRICARE Plans Overview
9:44 ๐ก๏ธ TRICARE Reserve and Retired Reserve Plans
16:05 ๐ Challenges of Transitioning to Retirement
19:30 ๐ Enrollment Process and Pitfalls
22:20 ๐ฐ Changes in TRICARE Select Fees
25:42 ๐ฅ Coverage Criteria and Examples
27:50 ๐ Weight Loss Drug Coverage Process
28:56 ๐ Medical Emergency Coverage Example
30:49 ๐งพ Medical Coding and Coverage
34:53 ๐ FedVIP Vision and Dental Care
37:43 ๐ซ Exclusions: LASIK and Discount Programs
42:15 ๐ Retirement Abroad and TRICARE
44:21 ๐ ๏ธ Challenges and Solutions
47:41 ๐ Providing TRICARE Support Globally
50:57 โ๏ธ Writing a TRICARE Guide During COVID
53:53 ๐ Resources at thetricareguy.com
56:39 ๐ Emerging Trends in TRICARE
๐ท๏ธ Hashtags:
#TRICARE #Healthcare #MilitaryRetirement #JohnLetaw #DavidBaughier #ForgetAboutMoney #TRICAREPlans #Veterans #MilitaryBenefits #TRICARESupport #TRICAREGuide #HealthInsurance
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Jesse, a former financial consultant traded his American lifestyle for a more fulfilling life in Ensenada, Mexico.
Jesse shares his remarkable journey of leaving his U.S. career to start a massage business abroad and find financial independence in a low-cost living area.
๐ฏ Episode Highlights:
0:00 - Starting a New Chapter: Jesse's inspiring transition from the U.S. to Mexico, leaving behind a stable consulting career.
0:31 - Making the Retirement Decision: How he balanced retirement options after receiving a windfall.
2:27 - Selecting the Perfect Location: Why Ensenada became the ideal location for his new business.
4:18 - Transitioning to His Own Business: From couch surfing to building a successful massage studio.
6:41 - Cultural Influences in Entrepreneurship: Navigating the cultural differences in business.
10:21 - Impact of Americans in Mexico: Understanding gentrification and respecting local culture.
16:05 - Tips for Entrepreneurs Abroad: Jesse's valuable advice for starting a business outside the U.S.
19:40 - Benefits of Low-Cost Living: Exploring the financial advantages of living in Ensenada versus San Diego.
23:28 - Personal Financial Independence Journey: Jesse's path to financial independence before and after receiving a windfall.
34:17 - Financial Independence Path: How strategic financial planning led to his success.
38:41 - Potential Changes with Windfall: What he would have done differently if he had known about the windfall earlier.
42:21 - Seeking Happiness Beyond Wealth: Finding joy through community, purpose, and meaningful connections.
๐ Key Takeaways:
The challenges and rewards of starting a business in Mexico.
The financial and personal benefits of living in a low-cost area.
How a windfall can alter your retirement path, and the importance of staying true to one's values.
Intentional savings accounts and their role in fostering happiness and fulfillment.
Jesse's Links:
๐ง Email: [[email protected]]
๐ Business Website: [ensenada-massage.com/blog]
Connect with Us:
Follow the Forget About Money podcast for more stories like Jesse's.
Share your thoughts on this episode in the comments below, and don't forget to like and subscribe!
#ForgetAboutMoney #StartingABusinessInMexico #FinancialIndependenceJourney #LowCostLiving #WindfallRetirement #EntrepreneurshipAbroad #AmericanExpatsInMexico
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๐ Join Holly Morphew in this transformative video as she unveils the power of Spend Planning to not only manage your finances but to achieve long-term financial freedom and wealth building.
Enjoy Holly's expert insights on transitioning from traditional budgeting to the more dynamic Spend Planning approach and learn how to leverage it for your financial success.
๐ In this detailed guide, Holly will cover everything from the basics of Spend Planning to mastering cash flow management and overcoming common challenges. Whether you're a beginner looking to understand the fundamentals or an experienced planner aiming for financial independence, this video has something for everyone.
๐ Chapters:
0:00 - Introduction
1:41 - Spend Planning vs. Budgeting
5:46 - Real-Life Transformations
11:18 - Initiating Your Spend Plan
26:15 - Practical Steps for Planning
33:58 - Mastering Cash Flow
38:18 - Overcoming Spend Plan Challenges
40:48 - Five Key Steps Recap
43:18 - Cash Flow Strategies for Early Retirement
43:44 - Final Thoughts on Spend Planning
๐ ๏ธ 5 Steps of Spend Planning:
1. Financial Awareness: Start by creating a net worth statement to get a clear overview of your financial health.
2. Track Spending Using an App: Holly recommends using the Tiller App [https://www.tillerhq.com/?via=holly] to keep an accurate record of your finances.
3. Refine Your Net Worth Statement: Continuously update your financial statement as you track your expenses over the next 3-6 months.
4. Calculate Your Impact Number: Identify the surplus money that can be used to reduce debt or invest in assets.
5. Invest in the Highest and Best Use of Your Dollars: Strategically use your impact number to maximize your financial growth.
๐ Connect with Holly Morphew:
Holly's Book: [https://a.co/d/aI2hcZF]
Holly's Freebies: [https://financialimpact.com/freebies/]
Facebook: [https://www.facebook.com/HollyMorph]
Instagram: [https://www.instagram.com/hollymorph/]
LinkedIn: [https://www.linkedin.com/in/hollymorph/]
Twitter: [https://twitter.com/HollyMorph]
Holly's Facebook Group: [https://www.facebook.com/FinancialImpactSystem]
๐ก Whether you're planning for retirement, looking to become debt-free, or aiming to enhance your wealth, Spend Planning can be your pathway to success. Don't forget to subscribe for more financial insights and strategies from Holly Morphew!
#SpendPlanning #FinancialFreedom #HollyMorphew #DebtFreeJourney #WealthBuilding #FinancialCoaching #MoneyManagement #Investing #RetirementPlanning #FinancialIndependence
๐ Like, Comment, and Share if you found this video helpful, and don't forget to subscribe for more valuable financial tips and strategies!
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