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The Scott Alan Turner Show | FINANCIAL ROCK STAR

Scott Alan Turner is a former money moron, living the paycheck-to-paycheck lifestyle, losing $40k in the stock market, and racking up a load of credit card debt. But by age 35, he turned it all around and became a self-made millionaire. In a world of get-rich-quick schemes, biased advice, and financial Pied Pipers, Scott’s authentic, no-holds-barred approach makes it possible for anyone to absolutely rock their personal finances. Scott is on a mad mission to help you get financial independence, ultimate happiness and a life full of awesome experiences. With his rebel style, off-beat humor, and signature life-on-your-own-terms approach, Scott’s inspiring a movement of Financial Rock Stars across the globe. Money. Investing. Personal Finance. Financial Independence.
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The Scott Alan Turner Show | FINANCIAL ROCK STAR
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Now displaying: 2018
Dec 20, 2018

- When you think about 2018, do you have some things that didn’t go as planned, are you doing the happy dance? Scott share's his lessons from the year.

- More bad 401(k) nonsense, this time from a professor.

- Beware of the evil empire, they are coming for your money.

Listener questions:

- Should you go back to school if you have debt (Erika)

- My 60-year old parents have $200,000 of debt How can I help them (Ken)

- Our bank will not help us with the loan we're having trouble paying (Lena, MS)

- How to talk to a family member about money this Christmas (Joseph, Nashville, TN)

- How do you turn a paper budget into a real budget (Rebecca, Toronto, Canada)

Resources/links:

Get notified when we go live: https://goo.gl/YC1Nz2

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Dec 18, 2018

- People need to ask themselves if they are overconfident. Would their plan get them through 2008? Would your parents survive another 2008?

- Ask these questions for last minute Christmas gifts to buy the perfect gift.

- Feel happier by spending money to save time.

- Your utility payments and cell phone payments will start being used on your credit score.

- Obsessively looking at your investments? Do this instead.

- How to prepare for upcoming holiday travel.

- What was your first step towards financial independence?

Listener questions:

- Got AT&T to fix my problem by following your advice (Trey)

- We need to work on our budget (Jamie)

- Are 401(k)s a losers' game because of all the taxes (Daniel)

- When should you stop repairing a car and take out a loan on a new one (Colleen, OK)

- Using the 'float' for better budgeting (Kristin, MA)

Resources/links:

Get notified when we go live: https://goo.gl/YC1Nz2

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Dec 14, 2018

- 53 year old Jen Sincero went from making $28,000 a year, broke, with zero savings eight years ago to being a multi millionaire today.

- In The Band - The Browns are 26-years old and debt free!

- Red Alert Warning - Craigslist scams

- Scott rants on fake math and how one of his bold predictions came true.

Listener questions:

- I'm 14 and want to know how I can help my mom out (Sam)

- Can I withdraw from my 401(k) penalty free if I'm 55 and disabled (Carolyn)

- How can I help out my parents while I'm in school and have no transportation (Jaush, SoCal)

- Does it make sense to declare bankruptcy (James T. Kirk)

- Behind on rent and my hours have been cut (Michael)

Resources/links:

Get notified when we go live: https://goo.gl/YC1Nz2

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Dec 13, 2018

- Paying attention to your money is the key to winning with money. If you’re making these mistakes your ruining your ability to win.

- Did you know where you live impacts how much risk you're willing to take?

- John (Canada) has paid off $35,000 in debt!

Listener questions:

- How to get started investing (Samantha, Singapore)

- Behind on payments and wondering which order to pay them off (J)

- Worried about running out of money this summer when my teaching contract ends (Kelly, Texas)

- I want to start a new life that is debt free (Mary)

- How can I get started writing about food (Lanz)

- Using a REIT for passive income (Gandolf)

Resources/links:

Should you pay off a credit card debt in part or full - https://www.creditcards.com/credit-card-news/should-you-settle-or-pay-in-full-delinquent-card-debt-1377.php

Get notified when we go live: https://goo.gl/YC1Nz2

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Dec 11, 2018

- Without even knowing it, people are throwing away tens, sometimes hundreds of thousands of dollars in found money

- 22 year old with Down’s Syndrome builds $1M sock empire

Listener questions:

- Got a refund for $150 by following Scott's advice (Chris)

- I am 47, $120,000 in debt, no retirement (Tina)

- Ready to break the pattern having everything going to bills (Gigrace, Sweden)

- How can my incarcerated brother increase his credit score (Rick, TX)

- My wife and I want to live in Europe but she has medical issues (Jean Luc Picard, Utah)

- My husband and I are constantly arguing about finances (Mercedes)

- How can I improve my credit score (Ashleigh)

- Is this graph I received about a market crash coming right (Rebecca)

Resources/links:

Get notified when we go live: https://goo.gl/YC1Nz2

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Dec 7, 2018

- Are you thinking about your money in the right way for the right reasons?

- This service helps you maximize the interest on your savings account, and keep your balances below FDIC insurance limits.

- Increase your worth by 50%

- What should you do during this market madness?

- Money saving tips for college students

- Supporting troops with Operation Turbo

Listener questions:

- How can I manage my money while going to school and paying a mortgage (Rebecca)

- My mom just got laid off and can't work, how can I help my parents (Jaush)

- Is YNAB or EveryDollar better for budgeting (Harriet)

- How much should I start saving if I have an inconsistent paycheck (Destinee)

- How can I start with the cash envelope system (Rachel)

Resources/links:

MaxMyInterest - https://www.maxmyinterest.com/

Get notified when we go live: https://goo.gl/YC1Nz2

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Dec 6, 2018

- Too many people fail at making their dreams become reality, because they haven’t created the necessary plan to make the dream come true.

- Money saving tips for college students.

- Why using credit cards for an emergency is a lousy idea.

- Apple offers 10% discount to military and veterans.

- A new option way to pay for emergencies.

- Supporting troops with Operation Turbo

Listener questions:

- Isn’t the average gain in the market around 12% (CB)

- How do student loans affect your credit score (Taylor)

- Is a Roth IRA or taxable account better for my 58-year-old mom (Rebecca, Indianapolis, IN)

- Problem with debt to income (Tiffany)

- Why not wait until the market is down before buying (Carol)

- Can I lower the interest rates on my credit cards (Alyssa, Pennsylvania)

Resources/links:

SafetyNet - https://safetynet.com/product-basics

Get notified when we go live: https://goo.gl/YC1Nz2

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Dec 4, 2018

- What are the unknown returns and risks of paying off your house?

- Are most eyes on the economy or on the Kardashians? Scott explains how they should be on the Kardashians.

- Where to find helpful services when someone is in need.

Listener questions:

- I'm 18 and want to build my skills (Jacob)

- Should I focus on my 401(k) or other investments (Brady)

- What should I do while I wait for the license for my degree to be approved (Eren, South Africa)

- How much should a fee only planner cost (John, Colorado)

- Are Fidelity's advisor services good for the cost (Rocio)

- How can I set goals and have the discipline to execute them (Vinod)

Resources/links:

Get notified when we go live: https://goo.gl/YC1Nz2

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Nov 30, 2018

- Change is hard. Overcoming peer pressure to stay the same is harder. Think about these tips to live your best life.

- Red alert warning - Protect your holiday deliveries from porch pirates.

- When should you rebalance your portfolio?

- Save money on prescription drugs.

Listener questions:

- My 77-year-old father refuses to move out of his house (KC)

- Can I use my brother's 529 savings plan? (Ning)

- Do I need disability insurance if my employer has workman's comp (Barry, San Francisco, CA)

- Differences between growth, balanced, and value funds (Jocelyn, Ontario, Canada)

- What is the right amount of life insurance if we have a single income and three kids (Molly, Walpole, MA)

- Is the rental home I owned before marriage my property if I get a divorce (Martin, Bethesda, MD))

- What should we do with the money once our car is paid off (Patrick, McLean, VA)

Resources/links:

Drug assistance programs - http://NeedyMeds.org

Manufacturer coupons for thousands of drugs - https://www.goodrx.com/

Get notified when we go live: https://goo.gl/YC1Nz2

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Nov 29, 2018

- A listener shares his story about how he was no angel, but now he is on the same plan with his wife to improve their lives together.

- Money saving tips for getting freebies for good driving practices.

- Dr. Quinn shares some pet tips for the holidays to keep Fido + Fluffy healthy!

- The arguments for student loans.

- Year end money moves to save on taxes.

Listener questions:

- I can't seem to keep a job down after getting out of prison (Paul, Glasgow, Scotland)

- Is Fundrise a good option for real estate diversification (Jennifer, California)

- Advice to start with a low salary if you want to get a job in a foreign country (Chi)

- Are savings account covered by FDIC insurance if the balance goes above/below the limits (Brian)

Resources/links:

Get notified when we go live: https://goo.gl/YC1Nz2

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Nov 27, 2018

- We're not born with a PHD in Money. Is there some advice you may have ignored up until now, that you might need to revisit? Or maybe you don't even know what you don't know (like all of us at one point).

- If you're shopping for car insurance, better shop again. Find out why.

- Cheap alternative to replace broken phone screens

- I feel an adrenaline rush when I find the perfect pair of jeans for ten dollars at Goodwill (Rachel)

- More proof credit cards provide better protection than debit cards.

Listener questions:

- I feel like my debt is to big to overcome (David)

- How much money should my husband and I try to save for the first year of a child’s life (Nancy)

- Do we need title locks for our home (Willow)

- Aren't traditional 401(k)s better for older workers (Dan)

- Where can I find more information on the tax benefits of a home business (Willow)

Resources/links:

Small Business Finance For the Busy Entrepreneur - https://www.amazon.com/gp/product/0998051802

Should you work outside the home calculator: https://www.regions.com/Insights/Personal/Budget-Calculators/should-i-work-outside-the-home

Get notified when we go live: https://goo.gl/YC1Nz2

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Nov 16, 2018

Listener questions:

- I have 3 friends who recently lost their homes and everything from the California wildfires. Many of them managed to get out with only a few days clothes and nothing else. (Jennifer)

- Can I roll over multiple HSAs (Andrew)

- I struggle to maintain what I put into my savings (Bella).

- What should I do during my gap year (Noah).

- I'm 72 and how can I not burden my daughter with debt (Tish, North Carolina)

- How often should I check my credit score (Madison)

- I can't seem to make my family budget work (Jake)

- How soon can we buy a home after a bankruptcy (Tara)

- How do I start saving for a wedding (Jennifer)

Resources/links:

After the fire - https://www.usfa.fema.gov/downloads/pdf/publications/fa_46.pdf

HSA to maximize retirement savings - https://scottalanturner.com/health-insurance-savings-2017-hsas-saving-money/

Get notified when we go live: https://goo.gl/YC1Nz2

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Nov 15, 2018

- One of the biggest problems people have is not even knowing they have a problem.

- Since most people won't be itemizing their tax returns this year due to the new tax laws, check out Credit Karma tax. It's FREE

- Discounted gift cards - GiftCardGranny.com

- Red Alert Warning - a new home buyer scam is costing people millions!

Listener questions:

- How can I find my 401(k)s that have been sitting in different accounts for years (Tina)

- Is it best to schedule my re-occurring investment for once a week, once a month, or once a year (Captain Jack)

- If you get a windfall where is the safest place to put the money (Torres)

- I'm tired of missing my kids activities because of my job (Tiffany)

- I want to be able to work and make enough money to do fun things (Kalei)

Resources/links:

https://www.askebsa.dol.gov/AbandonedPlanSearch/

https://www.unclaimedretirementbenefits.com/

FREE How to Save $1,000 This Week: https://goo.gl/AUdUCu

FREE Audio Book of 99 Minute Millionaire - https://goo.gl/tu8bZM

Nov 13, 2018

- Imagine having $10,000 saved for an emergency! Here are some tips you can do to make it happen in just one year, or save big on your existing expenses.

- We looked like we were crazy, but we saved up enough money to put a 20% down payment on a house.

Listener questions:

- What do you recommend for my 18 year old daughter to start Roth or investment fund (Clay)

-I need to have multiple revenue stream now as margins decrease (Deb)

- How do you get government grants (Cindy)

- Help me raise $60,000 within the next two years for a Tesla Model 3 (Bob)

- How do I figure out taxes for a 1099 side job (Sarah)

- What are healthcare options if you don’t have it through an employer and have to purchase it on your own (Kelly)

Resources/links:

 

Nov 9, 2018

- Here are some money truths you can use right now to make your money headaches go away no matter your stage or your age.

- What do employers look for when checking your credit report?

- Success story from Gandalf about going from bankruptcy to $36,000 in savings in just two years.

Listener questions:

- We are underwater on a truck and paying $400 a month for it but can't sell it. What should we do (Jessica).

- What are the benefits of setting up an LLC (Cindy)

- I am in high school and i want to go study abroad but it's expensive (Narcy)

- I don't have a good grip on my finances and hate my job (Jake, Minnesota)

- Can you rollback a Roth IRA conversion (John, Firestone, CO)

Resources/links:

 

Nov 8, 2018

- Managing your money is mostly about behavior, not what you know. Believe you can do something and if you haven’t done it, it’s because you haven’t done it yet.

- Petra got her credit score up over 100 points in the past year. Hear how she did it.

Listener questions:

- I'm in no mood to work after a failed business (Rakesh)

- Lost money to binary options (Sunday)

- Is debt consolidation a good idea (Marjorie)

- My increased salary isn't showing up in my paycheck (Susan)

- I'm on disability and looking to make income as a tutor (Mark)

- I think I've ruined my credit by missing some payments (Jessica, Brandon FL)

Resources/links:

Debt Manager App - https://itunes.apple.com/us/app/debt-manager/id482482660?mt=8

Takl app - https://takl.com/

Nov 6, 2018

- Stress free tips for the upcoming Holidays. You won't want to miss these to make this the best Christmas ever!

- Why impressing everyone isn't as important as advertisers think.

- Reader and listener feedback from the most recent newsletter.

- Are you learning something new that will fulfill you?

Listener questions:

- I need to move soon and feel forced into buying a house because I have two cats and two dogs and nobody will rent to me (B).

- How to setup a bank account for freelance work (Rory)

- Making extra money and balancing a young family (Michelle)

- How to live like a financial rock star (Tara)

 

Nov 2, 2018

- Scott recalls the time he wasn't good enough or had enough money to go to grad school, and how it was an opportunity, not a defeat.

- Sales of annuities are increasing. What you need to watch out for.

- Charges to not put on your credit card

- One person's plan to retire in ten years.

Listener questions:

- How to overcome impulse purchases (Chara)

- Starting a life coaching business (Esther)

- Is it time to build or to save if we're $90,000 in debt (Traci)

- How can I help my husband while I'm in school (M)

Resources/links:

 

Nov 1, 2018

- Jessica's husband likes his whole insurance policy but she believes it's a waste of money. Scott proves the arguments against permanent insurance.

- What cars are most reliable.

Listener questions:

- How do I not pass my horrible money habits on to my kids (Kathy)

- How to resolve a $5,000 debt with a collection agency (Christina)

- I'm drowning in a pool of debt and mess (Rene)

- What types of coverage is necessary for car insurance (Christina)

- What's the best path to teaching others about finance (Jeremy, TN)

Resources/links:

Term vs. Whole Life calculator - https://www.insuranceblogbychris.com/term-vs-whole-life-insurance-comparison-calculator/

Oct 30, 2018

- If you're waiting for your perfect life are you missing out on all the good things going on right now?

- A warning about the public student loan forgiveness (PSLF) program

- Is a market crash coming?

- Check out the documentary on Richard Turner, who is renowned as one of the world's greatest card magicians, yet he is completely blind.

Listener questions:

- Is Swap-a-Lease a good idea for getting a car temporarily (Tim)

- Can you claim a tax deduction for mileage for education (Kirk)

- What happens to Health Savings Accounts (HSAs) when a person dies (Wil, Sarasota, FL)

- Where should money be invested after a 401(k) and Roth IRA (Matt)

- Starting a taxi business (Victor)

Resources/links:

http://www.dealtmovie.com/

https://www.irs.gov/pub/irs-pdf/p970.pdf

Oct 26, 2018

- How to find more willpower to control your money.

- How to instantly increase your business revenue

- Where the part-time jobs are this season.

Listener questions:

- How much money should you spend on your business (Justin)

- What is the difference between an emergency fund and a float fund (Captain Kirk)

- Where do I get educated on investing (Zach)

- How can I supplement my income to pay off debts faster (John)

- We're about to lose our home to foreclosure and don't know where to go for help (Carrie)

- What is the difference between a security freeze and a credit freeze (Kristin)

Resources/links:

 

Oct 25, 2018

- Financial independence can come at any age, and at any income level.

- The story of a generous customer who leaves a $10,000 tip.

- Mo shares advice on how to reward good customer service.

Listener questions:

- How do I save money each month for an emergency fund (Vonda)

- Can money from a 403(b) be withdrawn to pay for a house downpayment without tax and penalty (Emerson, Monterey, CA)

- How can I live more efficiently and not have a bank account in the red all the time (Whitney)

- How do I save money while earning minimum wage (Jordan)

- Our financial plan is very week and we can barely eat (Alison)

- How much can you withdraw from your retirement funds and have it last (Kevin, Atlanta, GA)

Resources/links:

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distributions

Oct 23, 2018

- The new UltraFICO score may be the answer to over 15 million people who don't have credit scores.

- From barefoot to Bentley's. The story of building a restaurant empire from scratch.

- Red Alert Warning - Avoid this kickstarter scam from Aurora Coffee.

- Should you follow Charlie's advice to build wealth (not no, but heck no).

Listener questions:

- Just moved to another state and can't pay the bills (Shay, FL)

- Where to get started investing (Pablo, SoCal)

- Is dividend investing a good way to earn passive income (Christian)

- Use a HELOC to pay off your mortgage faster (Michael, Richmond, CA)

Resources/links:

https://www.fico.com/ultrafico/

https://www.wikihow.com/Follow-the-Mortgage-Accelerator-Plus-Program

Oct 19, 2018

- Trey is having a problem with AT&T after spending hours with them on the phone. He asks for Scott's tips on getting the problem fixed.

- Michael went from living paycheck-to-paycheck to a net worth of $375k!

- Is audit protection worth the cost?

- How to use credit card points for FREE travel.

- More on HSAs and how to use them to save you money.

Listener questions:

- Paul is using his credit cards too often and is reluctant to cut them up.

- JT's wife is a 1099 contractor and he asks if a SEP IRA is good for her to invest in.

- Omid (California) has some tips for other listeners on switching banks.

- Ron (Facebook) is deciding how much to save for retirement vs. sinking funds and opportunity funds.

- Stan is overwhelmed with credit card debt.

- Chris has an investment property that is losing money and is considering a 1031 exchange.

Resources/links:

https://www.rockrollnsoul.com/

Oct 18, 2018

- How an emergency fund can save you money over the long run.

- Moving abroad to get out of debt and get ahead

- Is a 401(k) the best place to put my money (No)

Listener questions:

- How to market a food product (Rachel Ray)

- Using Acorns as opportunity fund (Walter)

- Roboadvisors vs. three-fund portfolios (KC)

- Worried about paying back a bank loan because things keep going wrong (Betta)

- I'm tired of being a poor graduate student (Alexis)

- Buying a townhouse while using credit cards to survive (Sean)

Resources/link:

Consumer Reports Extended Warranty Guide: https://www.consumerreports.org/cro/extended-warranties/buying-guide/index.htm

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