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In this episode, we dive into the fascinating world of behavioral investing with Rick, a financial advisor from Dallas who specializes in helping people make smarter money decisions. But forget boring investment talk - this episode is all about understanding how our emotions and actions affect our financial success.
Think of it like sports: Having the best equipment helps, but what really matters is how you use it. Rick explains that the same goes for money - it's not just about picking good investments, but about sticking to your game plan even when things get tough.
Throughout the episode, Rick emphasizes that financial success isn't just about math - it's about building good habits and staying committed to your goals, even when it's challenging.
00:00 Introduction and Guest Background
01:27 Understanding Behavioral Investing
05:20 The Impact of Fear on Investing
10:20 Principles for Successful Long-Term Investing
15:05 Tax Management Strategies
18:26 Developing a Stronger Behavior-Based Approach
22:41 Final Thoughts and Action Steps
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In part three of the Retirement 101 series, the focus is on creating an estimated retirement budget. The episode guides listeners through important steps such as identifying recurring expenses, recognizing what costs will decrease post-retirement, and planning for new expenses like medical premiums.It also explains how to calculate your annual expenses and retirement savings gap. The importance of consistent retirement savings and strategies for auditing and simplifying current expenses to better align with retirement goals are discussed.
00:58 Recap of Parts One and Two
01:49 Preparing for Retirement: 2-3 Years Out
02:16 Creating an Estimated Retirement Budget
03:06 Understanding and Adjusting Expenses
08:01 Estimating Retirement Income
09:04 Defining Your Retirement Savings Gap
13:32 Strategies for Closing the Savings Gap
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In this episode, Steve Selengut, a seasoned investor and income coach, shares his journey from growing up in an investment-oriented community to retiring with over $110 million under management. Steve emphasizes the importance of multiple income streams, the value of taking profits, and building an income-focused portfolio.
Listeners will learn about the six principles of investing discussed in Steve's book 'Retirement Money Secrets' and gain actionable insights on how to assess and enhance their portfolios. Whether you're new to investing or looking to optimize your retirement income, Steve provides practical advice and strategies for achieving financial independence.
00:00 Introduction
00:17 Early Investment Journey
01:32 Developing a Trading Strategy
02:56 Transition to Professional Management
05:09 Becoming an Income Coach
05:18 Income Independence Explained
07:08 Coaching Approach and Client Fit
11:19 Advice for Listeners
15:26 Book Overview and Key Principles
21:04 Final Thoughts and Contact Information
Connect with Steve:
The Income Coach
Retirement Money Secrets Book
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This episode is Part 2 of the retirement series and today we’re focusing on gaining clarity and confidence as you approach your retirement, specifically if you are five years away. I will discuss the importance of tackling high-interest debt, understanding risk tolerance, and resolving any fears or doubts you may have regarding retirement.
Learn how to manage your debt, assess your risk tolerance, and create a positive relationship with your finances. This episode is part of a four-part series designed to help you prepare efficiently for retirement.
00:47 The Purpose of the Series
02:24 Gaining Clarity and Confidence
02:56 Tackling Debt Before Retirement
07:11 Assessing Risk Tolerance
11:10 Addressing Retirement Fears and Doubts
14:52 Continuous Learning and Growth
Resources Mentioned in the Episode:
Five Ways to Get Out of Debt Without Sacrificing The Joys of Life
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Today’s guest interview is with David Kerlin, an expert on Medicare and health insurance, about his journey from a manufacturing career to becoming a trusted Medicare advisor.David shares his personal health transformation and his extensive experience in Medicare, addressing common misconceptions such as the belief that Medicare is free and explaining the differences between Medicare Supplement and Medicare Advantage plans. He emphasizes the importance of evaluating individual medical needs, starting the Medicare enrollment process early, and consulting trusted advisors.
00:25 David's Journey with Weight and Health
01:37 First Encounter with Medicare
02:38 Understanding Medicare Costs and Plans
04:47 Choosing the Right Medicare Plan
10:01 Open Enrollment and Plan Changes
12:24 Common Misconceptions and Advice
13:26 Navigating Medicare with Professional Help
Connect with David:
Facebook
Email David
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In this episode, I kick off a four-part series focused on building a successful retirement plan. This episode dives into the first steps of laying a solid foundation. Key topics include tracking expenses, building an emergency fund, and contributing to retirement savings.Be sure to stay tuned for Part Two next week on risk tolerance, asset allocation, financial planning, and managing debt in retirement.
00:44 Introducing the Retirement Series
05:49 The Importance of Tracking Expenses
08:37 Building Financial Stability
11:48 Contributing to Retirement Savings
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In this episode, I interview Lauren Klein, a trust and estates attorney, to uncover the intricacies of estate planning. My favorite part of the episode was when she shared how to take action. I think we overcomplicate everything about estate planning. This episode is for you if you’ve been meaning to take action.Tune into the episode for expert guidance on protecting and managing your assets effectively.
00:00 Introduction and Background
01:57 Common Misconceptions in Trusts and Estates Planning
04:34 Key Considerations for Setting Up a Trust
07:55 Choosing the Right Person for Estate Roles
12:17 Managing Financial Gaps and Debts
17:23 Avoiding Common Estate Planning Mistakes
20:15 Effective Communication with Family
23:53 How to Vet an Estate Planner and Getting Started
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This episode is a re-release of episode 001 My Story & How I Was Able to Retire Early at 50.In this episode, I share my personal money journey about how I was able to retire at the age of 50 and eventually became a financial coach.
My journey story starts with me sharing about my ‘aha moment’ at age 35 realizing the possibility and then how I navigated my retirement journey to make it possible. A few highlights of the journey and turning points were paying for college, aiding family, navigating financial challenges, and ultimately finding their passion in helping others achieve financial wellness through coaching.
00:36 The Aha Moment
02:17 Early Career and Education
06:21 Pursuing Higher Education
08:55 Financial Challenges and Strategies
12:45 Retirement Decisions
15:48 Becoming a Money Coach
18:40 Entrepreneurship Journey
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In this episode, I dive into the importance of reflection and forward planning. As Gen Xers edge closer to retirement, surveys highlight a widespread lack of preparedness within our generation. Together, we’ll explore how reflecting on past achievements, learning from challenges, and setting meaningful goals can pave the way for a fulfilling and secure future.Learn the importance of creating a retirement dream that includes great experiences, seasonal activities, and everyday plans.
Be sure to download the retirement readiness checklist and tune in for an upcoming series to support action with this list!
00:40 Gen Xers Approaching Retirement
02:39 Challenges in Retirement Planning
04:27 Reflecting on the Past Year
07:12 Projecting for the New Year
11:43 Creating Your Wealth Dream
16:49 Here We Come 2025
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In this episode of the Wealthy After 40 podcast, my guest is Noelle Fowler, a holistic declutter coach. She specializes in helping busy women simplify their lives by addressing the root causes of clutter.
She shares her journey from organizing during the pandemic to becoming a professional organizer and eventually a decluttering coach. Touching on topics such as sentimental items, downsizing, and the importance of starting small, Noelle provides actionable advice for managing clutter.
The episode also highlights the benefits of her Making Room Membership, an online community for women seeking to declutter their homes and make room for what matters most.
01:02 Noelle's Journey to Decluttering
03:39 First Steps to Decluttering
05:35 Handling Sentimental Items
15:09 Downsizing and Decluttering
24:13 Membership and Final Thoughts
Be sure to connect with Noelle!
Instagram
Other Resources
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In this episode of the Wealthy After 40 podcast, my guest Erin Thompson, a financial freedom architect, shares her inspiring story of overcoming significant debt twice and offers insights on developing effective financial habits.
Erin also delves into how she got into day trading and shares the basics of “safe” day trading with us. She emphasizes the importance of education, proper planning, and controlled risk. She highlights how day trading can be a viable path to financial growth for individuals looking for flexible, home-based financial strategies, particularly appealing to introverts and those with analytical minds.
00:36 Erin's Financial Freedom Journey
01:29 Overcoming Debt Challenges
03:48 The Concept of Budget Parties
04:41 Introduction to Day Trading
10:12 Day Trading for Beginners
13:34 Who Should Consider Day Trading?
21:03 Balancing Day Trading with Life
Be sure to connect with Erin!
Instagram
Penny Grower Group
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In this episode, I share the transformative journey of a client who initially struggled with shame and guilt around her spending habits. Having successfully saved her retirement nest egg, she was struggling with the fear of outspending that money. Her challenges: lack of organization with her money creating greater disconnect with money.
The discussion outlines the process of understanding her financial status, creating a budget tailored to her lifestyle, and implementing a values-based spending exercise. Through structured coaching and personalized financial strategies, the client transitioned from anxiety to empowerment, learning to align her spending with her life values and confidently manage her finances.
01:41 Understanding Budgeting Challenges
04:18 Creating a Personalized Budget and Cash Flow System
06:05 Addressing Shame and Guilt Around Spending
07:38 Implementing Values-Based Spending
10:47 Empowering Financial Decisions and Stability
15:58 Action Steps for Viewers
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In this episode, I share all about my signature program, the Financial Freedom Accelerator. A 90-day coaching program designed to help you transform your retirement dreams into reality with financial confidence and purpose.
I share all the benefits and features within the coaching container, specifically the program’s four key pillars: Dream Builder, Financial Strength, Retirement Roadmap, and Acceleration.
This holistic approach not only addresses financial planning but also emphasizes the importance of a fulfilling and joyful retirement.
00:52 Overview of the Financial Freedom Accelerator
01:54 The Importance of Retirement Beyond Finances
02:43 Creating a Fulfilling Retirement Plan
04:52 The Four Pillars of Retirement Mastery
07:27 Details of the Financial Freedom Accelerator Program
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This episode is about the importance of creating a personal ‘why’ for retirement and defining it with such clarity that you can’t help but focus on making it become a reality.
The episode shares personal experiences of setting retirement goals, working with clients to achieve financial freedom, and addressing gaps in traditional retirement planning that focus solely on money.
01:28 Understanding the Importance of Your 'Why'
02:02 My Personal Journey to Retirement
04:51 Identifying Gaps in Retirement Planning
06:43 The Four Pillars of Retirement Planning
09:40 Action Steps to Create Your 'Why'
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In this episode, I welcome guest, Christopher Hensley, a financial advisor with over two decades of experience, to discuss the complexities of Social Security.We discuss factors affecting the best time to start claiming benefits, special considerations for those with pensions, and strategies for integrating Social Security into an overall retirement plan.
Christopher also dispels common misconceptions about Social Security's future and provides actionable advice for maximizing benefits. Listeners are encouraged to save diligently and plan for a secure retirement.
00:38 Understanding Social Security Benefits
01:06 Strategies for Claiming Social Security
02:11 Special Cases and Exceptions
03:12 Widow's Benefits and Survivor Strategies
04:37 Maximizing Social Security Benefits
08:59 Common Misconceptions About Social Security
12:28 Working After Retirement Age
15:49 Windfall Elimination and Government Pension Offset
20:38 Integrating Social Security into Retirement Plans
23:04 Final Thoughts and How to Connect
Connect with Christopher:linkedin.com/in/christopher-hensley-9584449
Websites
houstonfirstfinancialgroup.com moneymatterspodcast.comBook your complimentary Retirement Vision Session!
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In this episode, I discuss the importance of saving for retirement and how to ensure you have enough money when you retire.This episode outlines practical steps to manage money, eliminate unnecessary expenses, and build a robust saving habit. I also highlight the importance of having an emergency fund, paying down debt, and preparing for unforeseen expenses like inflation or job loss.
Listeners are encouraged to start small, prove the ability to save consistently before delving into more complex investment strategies and take actionable steps today to secure their financial future.
00:53 Immediate Steps to Start Saving01:00 The Importance of Employer Match
01:48 Challenges and Misconceptions About Saving
03:41 The Right Approach to Managing Money
06:39 Benefits of Saving
15:35 Steps to Build a Stable Financial Future
Mentioned in this episode:
All About Savings Podcast Playlist
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In this episode, the host explores the secret to budgeting success—a consistent money routine. Listeners struggling to make their budgets work will discover how a structured approach to money management can transform their finances.A money routine is about more than just paying bills; it’s a weekly commitment to actively manage your finances.
Listen to this episode to learn practical tips for personalizing these routines, making them enjoyable, and ensuring they align with financial goals.
02:08 The Importance of a Money Routine
04:01 Steps to Create a Money Routine
05:24 Real-Life Client Example
08:16 Create Check-In Times
08:33 Stay on Top of Spending
10:08 Make It Fun and Comfortable
11:03 Build a Money Routine
11:34 Commit to Your Financial Goals
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During this guest episode, I am lucky to interview Alexandra Dotcheva, who shares her transformative journey from an immigrant violinist to a financially independent real estate investor. She discusses the challenges she faced during the 2008 financial crisis, the pivotal shift to a nursing career for stability, and achieving financial success through disciplined real estate investments.Tune in for insights on overcoming financial struggles, managing risks, and long-term goal focusing, along with an overview of the guest's coaching services and book.
00:06 Immigrant Journey and Financial Struggles
06:12 Strategies for Paying Off Debt
11:45 The Importance of Financial Goals
12:07 Coaching on Financial Discipline
12:26 Understanding Good and Bad Debt
13:14 Building Financial Habits and Mindset
Connect with Alexandra:
On her website Holistic Self Confidence
Facebook
YouTube
Check out her book on Amazon
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In this episode, I discuss the emotions tied to spending and their impact on not only achieving financial goals, but making impactful decisions. I share a client story demonstrating the importance of identifying personal values to forge a positive relationship with money.You will learn practical tips like aligning purchases with their values and managing credit card balances to ease financial stress. Actionable steps are given to help shift from guilt-ridden spending to valuing what you spend.
00:00 Introduction to Spending Emotions
01:17 Client's Spending Struggles
04:38 Shifting Spending Perspectives
07:55 Overcoming Self-Criticism in Financial Decisions
09:05 Building Motivation Through Defining Values
10:35 Aligning Spending with Your Values
13:10 Exploring Financial Purpose and Goals
15:47 Align Spending with Values for a Guilt-Free Life
Episode 68 - How My Client Learned To Spend More On Herself
The Retirement Vault
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To have a happy and successful retirement takes more than just enough money. In this episode, I discuss three common retirement gaps that could lead to disappointment and boredom in retirement. Beyond the financial side, it’s essential to plan for your dreams, desires, goals, and hobbies. These gaps can greatly impact the quality of your retirement, and addressing them now will help shape a fulfilling and secure future.00:00 Introduction to Retirement Planning
00:54 The Importance of a Clear Retirement Vision
02:08 Planning Activities for a Fulfilling Retirement
07:35 Understanding the Financial Impact of Retirement Goals
10:47 The Need for Adequate Cash Savings
13:28 Conclusion and Next Steps
Resources Mentioned in the Episode
The Retirement Vault
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