- 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
- 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
- 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
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
- 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
- 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:
- 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:
- 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/
- 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)
- 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:
- 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/