Women's Money Wisdom artwork

Women's Money Wisdom

227 episodes - English - Latest episode: 2 days ago - ★★★★★ - 11 ratings

Women face a unique set of challenges - from caring for aging parents to raising children - all while trying to maintain a career and a semblance of work-life balance. It can be overwhelming, and it's all too easy to put your own needs and finances on the back burner. We believe that every woman deserves to feel financially empowered and secure. Our podcast is designed specifically for women like you - women who are ready to take charge of their finances and their future. 

Host and financial planner at Pearl Planning, Melissa Joy, CFP ®, will roll out a new episode each week to help you improve financial literacy and gain the confidence you need to navigate your financial life. 

Pearl Planning is a financial planning and wealth management practice located at 8031 Main Street in Dexter, Michigan. You can reach our office at (734)274-6744.

Investment advisory services offered by Pearl Planning, a DBA of Stephens Consulting LLC., an SEC registered investment advisor. Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Pearl Planning, or any non-investment related content, made reference to directly or indirectly in this Podcast will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this podcast serves as the receipt of, or as a substitute for, personalized investment advice from Pearl Planning. To the extent that a listener has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Pearl Planning is neither a law firm, nor a certified public accounting firm, and no portion of the Podcast content should be construed as legal or accounting advice. A copy of Pearl Planning’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at www.pearlplan.com. Content represents the opinion of the speaker and not necessarily that of Pearl Planning. 

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Episodes

Episode 212: Even Out The Power Scales of Marriage and Money

March 26, 2024 10:00 - 23 minutes - 15.8 MB

Struggling with financial dynamics in your relationship? You’re not alone. Melissa Joy delves into the power balance in marriage and money and explores how this affects all partnerships, offering valuable tips for combining finances, open communication, and shared planning. No matter the stage of your relationship, this conversation is for you.  Listen and Learn: Simple steps for couples looking to combine their finances How to have transparent communication and shared financial planning ...

Episode 211: When Should I Get Serious About Saving For Retirement?

March 19, 2024 10:00 - 18 minutes - 12.9 MB

When should you get serious about saving for the future (older) you? It’s never too late to start or reassess your retirement strategy. Whether you’re a super saver, an average saver, or doing well but unsure if you’re on track to retire comfortably—this episode has something for everyone. Melissa Joy discusses options for multiple stages of retirement planning and what you can do if you’re traditionally employed, a business owner, or have experienced career setbacks along the way. Listen a...

Episode 210: Navigating Motherhood, Mindset, and Money ft. Dr. Sue McCreadie

March 12, 2024 10:00 - 32 minutes - 22.2 MB

Dr. Sue McCreadie, a pediatrician and women's coach, joins Melissa Joy to discuss how mindset and emotions impact financial well-being. Drawing from her experience in pediatric care, Dr. Sue shares insights on promoting mothers' health and mindsets. This transformative conversation covers the connection between women's roles, taking control of one's life, and financial empowerment.  Listen and Learn: How mastering mindset and emotions can transform your financial well-being The importance...

Episode 209: What Should I Do With Excess Cash?

March 05, 2024 11:00 - 16 minutes - 11.2 MB

Join Melissa Joy as she discusses the nitty-gritty of handling extra cash and creating emergency funds. Melissa shares practical tips and personalized advice to help you navigate your financial journey - from stressing the importance of yearly check-ins to offering tailored recommendations to specific situations. Don’t miss out on this enriching episode that offers practical wisdom for effectively managing and investing cash reserves.  Listen and Learn: Understand strategies to maintain an...

Episode 208: How To Stop Financially Supporting Your Adult Children

February 27, 2024 11:00 - 21 minutes - 14.7 MB

Melissa Joy explores a significant yet often overlooked trend: the increasing dependence of adult children on their parents for financial support. Drawing from a recent Credit Karma survey, which reveals that one-third of American adults rely on parental financial assistance, Melissa delves into the problems this trend can cause for parents while also providing practical measures to promote financial independence within families. Listen and Learn: Proactive ways to prepare your kids to sup...

Episode 207: You Inherited A Lot of Money Or Assets. Now What?

February 20, 2024 11:00 - 18 minutes - 13 MB

Melissa Fradenburg explores the complicated nature of receiving an inheritance, especially as a woman. You'll get practical guidance on managing inherited assets, honoring the wishes of passed loved ones, and making informed decisions during this sensitive time.  Listen and Learn: How to make what you inherit last & honor a loved one An easy way to prioritize the overwhelming list of to-dos Tax consequences to be aware of with a transfer of accounts Overlooked expenses that can surprise...

Episode 206: Dividing Up Finances: Yours, Mine, and Ours

February 13, 2024 10:00 - 21 minutes - 14.5 MB

In this episode of Women’s Money Wisdom, Melissa Fradenburg explores the intricate dynamics of managing finances within relationships. With a focus on the importance of financial transparency and communication, Fradenburg draws from her own experiences to shed light on the complexities couples face when merging their financial lives. Tune in to gain valuable insights on managing finances within relationships, fostering open communication, and planning for a secure financial future together....

Dividing Up Finances: Yours, Mine, and Ours

February 13, 2024 10:00 - 21 minutes - 14.5 MB

In this episode of Women’s Money Wisdom, Melissa Fradenburg explores the intricate dynamics of managing finances within relationships. With a focus on the importance of financial transparency and communication, Fradenburg draws from her own experiences to shed light on the complexities couples face when merging their financial lives. Tune in to gain valuable insights on managing finances within relationships, fostering open communication, and planning for a secure financial future together....

Episode 205: How To Get Organized And Reduce Tax Season Stress

February 06, 2024 10:00 - 17 minutes - 12 MB

Join Melissa Joy as she simplifies the often-overwhelming world of filing your taxes. In this episode, Melissa dives into strategies for managing taxes effectively while providing tools to enter tax season with confidence and organization. Listen and learn: How to get organized and reduce your tax season stress Key points to start collecting important documents Why paying "zero" in taxes may not be the win you think it is Resources mentioned in this episode: What Documents Do I Need to...

Episode 204: Investing in an Election Year: Why Long-Term Perspective Matters.

January 30, 2024 11:00 - 11 minutes - 7.95 MB

Ever feel like your financial confidence takes a hit every election year? You're not alone, and that's exactly why we've dedicated this episode to discussing the current economic enviroment as well as looking at historical election year markets.   We all know that political cycles can bring uncertainty, but today, we present compelling reasons backed by statistics for why you should stay invested for the long term, no matter which political party is in office. We share historical data on how...

Episode 203: What Lions Playoff Tickets Teach Us About Financial Planning

January 23, 2024 11:00 - 11 minutes - 7.93 MB

Are you guilty of comparing your financial decisions to others? In this episode of Women's Money Wisdom, Melissa Fradenburg, delves into the pitfalls of financial comparison. It all started with the outrageous ticket prices for a Detroit Lions home playoff game, reminiscent of those Taylor Swift tickets at Ford Field. Melissa shares her personal insights and explores how comparing finances with others can be unproductive. Discover the importance of financial planning, building emergency fund...

Episode 202: Resume and Job Hunting Tips for Women with Linda Olejniczak

January 16, 2024 11:00 - 42 minutes - 29.1 MB

Have you updated your resume recently? If you're thinking of making a career change or change employers this episode is a must listen. Linda Olejniczak, owner of Phases Career Services brings over 25 years of experience in human resources, coupled with a deep understanding of marketing. Linda is committed to helping women stand out by crafting resumes that not only highlight their unique skills and achievements, but also align with their career aspirations. Linda emphasizes the importance of...

Episode 201: Skin Deep: Navigating Dermatological Costs and Skincare Essentials with Dr. Meredith Price

January 09, 2024 11:00 - 35 minutes - 24.3 MB

In this episode, we explore whether those pricey skincare products and dermatological treatments are worth the investment. Did you know that on average, women spend over $250,000 on beauty products in their lifetime, with a shocking 90% of these products going unused? Our host, Melissa Fradenburg, is joined by Dr. Meredith Price, MD, FAAD, a board-certified dermatologist from Grosse Pointe Dermatology. Dr. Meredith Price earned her bachelor's degree in Cell and Molecular Biology from the Un...

Episode 200: Setting Financial Resolutions and Goals for 2024

January 02, 2024 11:00 - 18 minutes - 12.6 MB

In this episode, Co hosts Melissa Joy and Melissa Fradenburg kick off the new year with a lively discussion on how to set and achieve your financial resolutions for 2024. They emphasize the importance of taking a strategic approach to your financial planning and share practical tips to help you get organized and stay on track throughout the year. The Melissa's share actionable steps you can take to start the year on the right financial footing, including budgeting, automating savings, and op...

Episode 199: Turning Thrift Store Finds into Profit with Ruth Fradenburg

December 26, 2023 11:00 - 23 minutes - 16.1 MB

Have you considered starting a side hustle thrifting and reselling items?  In this episode special guest and life long thrifter, Ruth Fradenburg, we discuss the nitty-gritty of making sales on sites like Poshmark, Ebay and Facebook marketplace. Ruth shares tips on what to look for as well as how to post and price items for resale. Her tales of trials and triumphs in the online marketplace are not just entertaining but are laced with practical tips, like the power of a good photograph and the...

Episode 198:Gifts That Grow: Sparkling Ideas for Financial Wellness This Holiday Season

December 19, 2023 11:00 - 16 minutes - 11.6 MB

In this festive episode, host Melissa Joy, CFP®️, dives into the world of holiday giving with a twist. The focus is on gifts that aren't just thoughtful but also contribute to financial wellness. Melissa Joy opens the discussion by sharing her excitement for the holiday season and the importance of meaningful gift-giving. She emphasizes how charitable gifts can teach younger generations about compassion and empathy. Need something in the next week? How about financial gifts like gifting stoc...

Episode 197: Understanding and Overcoming the Emotional Triggers of Overspending with Paige Prichard

December 12, 2023 11:00 - 53 minutes - 36.5 MB

In this episode, we explore Paige Pritchard's remarkable transformation from an impulsive shopper to a financially savvy individual. By age 29, Paige had achieved notable financial milestones: she paid off $40,000 in student loan debt, cash-flowed her MBA, became a homeowner, and built a substantial six-figure investment portfolio. As a certified life coach, she has empowered thousands of women to improve their spending habits through various platforms, including her social channels, The Mon...

Episode 197: Understanding and Overcoming the Emotional Triggers of Overspending with Paige Pritchard

December 12, 2023 11:00 - 53 minutes - 36.5 MB

In this episode, hosted by Melissa Fradenburg, we explore Paige Pritchard's remarkable transformation from an impulsive shopper to a financially savvy individual. By age 29, Paige had achieved notable financial milestones: she paid off $40,000 in student loan debt, cash-flowed her MBA, became a homeowner, and built a substantial six-figure investment portfolio. As a certified life coach, she has empowered thousands of women to improve their spending habits through various platforms, includin...

Episode 196: Slaying the Holiday Budget Beast: Tips and Tactics

December 05, 2023 11:00 - 24 minutes - 17.2 MB

Do you feel like you're hemorrhaging money every holiday season? I've been there, and want to share some things that help to navigate holiday spending without breaking your budget. Join Co-host Melissa Fradenburg as she unpacks five effective strategies drawn from her own experiences and missteps. Melissa breaks down how to set clear gift-giving expectations, stick to a fixed budget, and make the most from seasonal sales.  Learn how to leverage apps or spreadsheets to track your gift ideas a...

Episode 195: Maximizing the Impact of Charitable Giving with Melissa Joy

November 28, 2023 11:00 - 19 minutes - 13.7 MB

Ever thought about the power of your generosity? We celebrate Giving Tuesday with a deep dive into making your charitable contributions more impactful. Co-Host Melissa Joy, CFP®️ discusses building a solid donation strategy, pinpointing the organizations that tug at your heartstrings, and involving your family in this profound process. She also shares how you can leverage the tax benefits of philanthropy and how generosity triggers the release of feel-good chemicals that can add years to you...

Episode 194: Boosting Your Holiday Fashion with Kelley Muzingo

November 21, 2023 11:00 - 37 minutes - 25.7 MB

Ready to step up your fashion game this holiday season? Our recent discussion with personal stylist and wardrobe consultant, Kelley Muzingo might just be the inspiration you need. Kelley's passion for fashion is contagious, as she shares her journey into the industry and how she helps clients feel their best. In this episode, we give you the lowdown on this season's must-haves from sequins and metallics to classic pieces that never go out of style. We also delve into the realm of budgeting a...

Episode 193: Year-End Financial Planning with Alexa Kane

November 14, 2023 11:00 - 15 minutes - 10.7 MB

Are you ready to wrap up your financial year and set yourself up for success in the next? In this episode of the Women's Money Wisdom Podcast,  with Co-Host Melissa Joy, CFP® and guest  Alexa Kane, CFP ®  we discuss what you can do in the last few weeks of the year to get your finances in order. We all know how chaotic this time of year can become with the holiday season approaching. Alexa shares valuable insight on things we should review in retirement planning, employee benefits, and taxat...

Episode 192: Resisting the Spending to Impress Trap: Financial Planning Tips Inspired by Travis and Taylor

November 07, 2023 11:00 - 16 minutes - 11.4 MB

Ever find yourself caught in the spending to impress trap, also known as 'Keeping up with the Joneses'? Listen in as we draw examples from celebrities like Taylor Swift and Travis Kelce to discuss this age-old phenomenon. We delve into the allure of maintaining a lifestyle akin to those around us, even when it's not financially prudent. From the luxury of rented restaurants to the appeal of matching home décor, we evaluate how these spending habits often mirror our social circles and the inf...

Episode 191: Scariest Financial Planning Moves

October 31, 2023 10:00 - 13 minutes - 9.16 MB

This Halloween special episode uncovers scary financial blunders people commit, especially in relation to retirement planning and emergency savings. Melissa Fradenburg will walk you through the chilling implications of being too conservative with long-term investments and the terror of having your cash sit idle. We underline the importance of securing your own financial future before extending help to others. This episode is brimming with real-life scenarios and practical advice to keep you ...

Episode 190:Breathing, Energy, and the Science of Well-being with Cass Ghiorse

October 24, 2023 10:00 - 32 minutes - 22 MB

Do you ever stop to marvel at the incredible intricacies of the human body and the wisdom it possesses? This episode of Women's Money Wisdom Podcast welcomes Cass Ghiorse, a brilliant mind at the confluence of science and spirituality, who teaches us to do just that. Cass unravels the often confusing web of the wellness industry, highlighting how simple, low-cost methods like breathwork can foster a profound connection with our bodies and minds. An in-depth exploration into the dynamics of o...

Episode 189: Finding Personal Success and Wellness: A Conversation with Melissa Coulier

October 17, 2023 10:00 - 40 minutes - 27.6 MB

 Join  Co-Host Melissa Fradenburg, CDFA®️, AIF®  for an enlightening conversation with Melissa Coulier, author, entrepreneur, and co-founder of Living Well with Mel. We dive into her journey navigating through her partner's fame, and how she defined her own success while building a thriving career. Melissa bares her soul, discussing her struggles and triumphs, from her successful career in commercial and editorial photography to her experiences in a relationship where her partner was already...

Episode 188: Understanding Health Savings Accounts with Melissa Joy

October 10, 2023 10:00 - 19 minutes - 13.7 MB

Ever wondered why a Health Savings Account (HSA) is often described as the holy grail in personal finance? Co-hosts Melissa Joy and Melissa Fradenburg  discuss the nuts and bolts of HSAs and high deductible health plans in this episode of Women's Money Wisdom Podcast. We're delving into the potential savings from lower premiums and employer contributions, and the importance of striking a balance between present and future medical costs. We also talk about the unexpected out-of-pocket costs t...

Episode 187: Navigating the Costs of Weight Loss: A Personal Journey

September 26, 2023 10:00 - 19 minutes - 13.7 MB

Have you ever wondered about the cost of the popular injectable weight loss drugs? In this candid episode, Co-Host Melissa Fradenburg, CDFA®️, AIF® is pulling back the curtain on her personal journey, navigating the costs and side effects of weight loss medication.  With an overwhelming response on social media to her weight loss story, it's clear that many of us are in the same boat. From exploring the expensive terrains of name-brand medications to finding cost-effective treatment through ...

Episode 186: Financial Independence: A Midlife Woman's Guide with Nancy McKenna

September 19, 2023 10:00 - 15 minutes - 10.8 MB

Get ready to be empowered! Our guest on this episode, Nancy McKenna, is here to help single midlife women take control of their financial futures. With over 35 years of experience in corporate accounting and a successful 17-year stint in real estate investing, Nancy is brimming with practical insights to help you navigate your financial picture. In this episode, Co-Host Melissa Fradenburg, CDFA®️, AIF® and Nancy discuss money management for midlife women, the necessity of financial literacy,...

Episode 185:Building a Short-Term Rental Portfolio with Natalie Bruno

September 12, 2023 10:00 - 30 minutes - 20.8 MB

Ready to unravel the reel of real estate investment? Join us as we share a promising discussion with Natalie Bruno, a savvy entrepreneur and enthusiastic real estate investor. Natalie opens up to Melissa Joy, CFP®, CDFA® about her journey into the realm of real estate. We talk about the importance of guest feedback and how Natalie successfully used it to improve her Airbnb. Just as investments require careful calculations and considerations, so does real estate. Natalie takes us through her ...

Episode 184: The Role of 'Girl Money' in Financial Literacy for Women

September 05, 2023 10:00 - 21 minutes - 15 MB

Welcome to season 4! Co-hosts Melissa Joy and Melissa Fradenburg  discuss the significance of ‘girl money’ and ‘girl math’ in shaping budgeting and making financial decisions. The concept of 'girl money' and 'girl math' is currently trending on Tik Tok.  Can these ideas really play a role in financial decisions and budgeting? Can they change the way we perceive purchasing and spending? What is the underdiscussed stigma surrounding these concepts? in this episode, we exchange views on differi...

Episode 183: Financial Self-Control and Budget Management

August 29, 2023 10:00 - 21 minutes - 15 MB

Want to get a grip on your finances? Then you'll absolutely love this week's episode of 52 Pearls Weekly Money Wisdom Podcast, where we dive into the art of cleaning up your budget. This week, Melissa Fradenburg shares strategies and personal stories of the everyday struggles of groceries, mobile app purchases, and personal shopping pitfalls. We pull back the curtain on our own experiences to help you trim down those bills and regain control of your money. Whether you're trying to tighten yo...

Episode 182: Turning the Back-to-School Season into a Financial Reset

August 22, 2023 10:00 - 11 minutes - 7.89 MB

What if the back-to-school season wasn't just a time of frantic shopping and schedule juggling, but also an opportunity for a financial reset? Melissa Fradenburg discusses how this transitional period can be used as a stepping stone towards financial wellness, offering insights on re-evaluating your financial status and achieving your goals. We tackle a range of topics, from checking up on your retirement savings and credit score, to rethinking your spending habits and debt payment strategie...

Episode 181:Common Money Conflicts for Couples and How to Resolve Them

August 15, 2023 10:00 - 16 minutes - 11.1 MB

Are you ready to gain the upper hand over one of the most common sources of contention in relationships? We're talking about money, of course! In this episode Melissa Fradenburg, CDFA®️, AIF®,  will help you defuse the ticking bomb of financial discord. Together, we dissect the three most prevalent money conflicts couples encounter and offer you effective strategies to evade these confrontations. We take you through the classic spender versus saver dispute, unravel the complex issue of finan...

Episode 180: Budgeting for College Life: A Parent's Guide to College Send Off

August 08, 2023 10:00 - 15 minutes - 10.6 MB

Are you preparing for college send off but feeling overwhelmed by the looming financial spreadsheet? Relax, we've got you covered. In this episode, Melissa Fradenburg shares personal experiences and insights to help you prepare for this financially demanding life event. Budgeting is crucial for managing expenses during the college years. We provide practical tips for creating a budget that covers living costs and talk about the importance of setting spending expectations with your college bo...

Episode 179: Top 5 Financial Planning Take-aways from the Barbie Movie

August 01, 2023 10:00 - 13 minutes - 9.53 MB

Melissa Joy, CFP ®  shares financial planning insights from a surprisingly unusual source - the Barbie movie! We unpack this unlikely catalyst for financial wisdom, revealing five significant takeaways. From understanding the ripple effects of consumerism to the crucial conversation around equal pay, we're breaking down barriers and bringing you a fresh perspective on money matters. A special mention for all the Kens out there - listen in for an essential lesson on individuality and planning...

Episode 178: Tipping: Navigating the Gratuity Landscape in a Changing World

July 25, 2023 10:00 - 26 minutes - 18.4 MB

Ever wonder why it feels like you're constantly asked to shell out bigger tips for everything from your Uber ride to your takeout order? You're not alone! On this episode, Melissa Fradenburg is pulling back the curtain on the convoluted world of tipping in the gig economy. We'll explore the norms, the expectations, and the technology that seems to nudge us into tipping more often and more generously. Resources: Learn more about Melissa Fradenburg, AIF® and  Pearl Planning . Read Emily Pos...

Episode 177: Long Term Care Considerations for Women

July 18, 2023 10:00 - 23 minutes - 15.8 MB

In today’s episode, we discuss the upsides and downsides of long-term care insurance and delve into key considerations when purchasing it. Join your host, Melissa Fradenburg, AIF® as we navigate the intricate world of personal finance, specifically designed for women.  Melissa shares her recent experience visiting her grandmother in an assisted living facility as well as a basic overview of how long-term care insurance works  as a standalone policy and as a rider on a life insurance policy. ...

Episode 176: An Insight into Divorce Forensic Accounting with Tracy Coenen

July 11, 2023 10:00 - 24 minutes - 16.9 MB

Have you ever wondered what a forensic accountant does in divorce cases? Are you worried about hidden assets or financial infidelity? In this episode, co-host Melissa Fradenburg, CDFA®️, AIF® welcomes Tracy Coenen, a renowned forensic accountant who specializes in helping find money during divorce. Tracy has created a 10-step Divorce Money Guide to help you find hidden assets and take control of the finances during your divorce, and she and Melissa dive into a few of the steps.  They also di...

Episode 175:Financial Planning Discussions for Couples

July 04, 2023 10:00 - 25 minutes - 17.4 MB

Have you ever wondered why so many couples struggle to get on the same page with finances? Are you in a relationship where one person is in the dark on the overall financial picture? In this episode, Melissa Joy, CFP ® and Melissa Fradenburg, AIF ® tackle the all-too-common issue of one partner being left out of financial decisions. It’s not just about understanding finances but also about encouraging participation from both partners for balanced decision-making.  Resources: Learn more abo...

Episode 174: Exploring Investment Assumptions: Real Estate vs. Stock & Bond Investing

June 27, 2023 10:00 - 20 minutes - 14.2 MB

Ever wondered why real estate investments can feel more comfortable and confident than securities investing? Melissa Joy  dives deep into biases surrounding real estate and investing in stocks and bonds. She shares her observations from conversations with clients as well as her own experience in real estate vs investment returns of various indices over time. Melissa unpacks the reasons behind these assumptions and sheds light on the broader discussion about investments in general. Resources...

Episode 173: Rediscovering Yourself and Finding Balance in Motherhood with Carmie Buhalis

June 20, 2023 10:00 - 19 minutes - 13.5 MB

Do you feel like you've lost a part of yourself since becoming a mom? Our guest, Carmie Buhalis, owner and founder of Yoga Express and life and wellness coach, is here to remind you that it's possible to find balance and reinvent yourself after motherhood. We dive into the challenges of losing our identity and the importance of prioritizing self-care in our daily lives. Carmie shares her insights on how self-reflection and understanding our own needs and emotions can help us remain calm and ...

Episode 172: Financial Lessons from Taylor Swift's Eras Tour

June 13, 2023 10:00 - 18 minutes - 12.5 MB

In this episode, Melissa Fradenburg, CDFA®️, AIF® shares the financial implications of Taylor Swift Era's Tour tickets and how parents can use them as a valuable lesson in financial decision-making.  How resisting the urge to overspend can teach our kids valuable lessons about choices and opportunity cost. We explore what it means to set realistic expectations about budgeting, and how to have honest conversations about our financial decisions with our children. Whether you're a Taylor Swift ...

Episode 171: Money Mindset to Fight Negative News with Melissa Joy

June 06, 2023 10:00 - 12 minutes - 8.76 MB

In this episode Melissa Joy, CFP ®  delves deep into the powerful concept of managing your money mindset amidst a constant barrage of negative news. In a world filled with sensational headlines and endless market fluctuations, it's easy to succumb to fear and make impulsive investment decisions.  Listen to this episode to learn why controlling the things we can control is essential in achieving financial success. Resources: Learn more about Melissa Joy, CFP. ® and  Pearl Planning . Read T...

Episode 170: The Case for 529 Plans for College Savings with Ann Garcia

May 30, 2023 10:00 - 29 minutes - 20.2 MB

In this episode Melissa Joy, CFP, ® and Ann Garcia, CFP®, a financial advisor and author of the popular College Financial Lady blog, discuss why a 529 plan is a great vehicle for college savings. They cover everything from asset weighting on the FAFSA form, flexibility on what colleges your child can attend, and how they help maximize tax savings. Did you know if your 529 is overfunded because your student got a scholarship, you don’t pay the penalty on withdrawals of the amount that is over...

Episode 169: Understanding the Debt Ceiling and its Impact on the Economy

May 23, 2023 10:00 - 11 minutes - 7.68 MB

Are you looking to better understand the national debt ceiling?  In this episode, Melissa Fradenburg, CDFA®️, AIF®  helps listeners gain a clearer understanding of the debt ceiling and why it matters. Melissa sheds light on the historical context of raising the national debt ceiling and explains why it's likely that Congress and the Biden administration will reach an agreement on raising the debt limit. It's important  to consider how this issue may influence personal financial decisions, su...

Episode 168: Financial Planning for Midwives and Caregiving Professionals with Aravind Sithamparapillai

May 16, 2023 10:00 - 32 minutes - 22.2 MB

In this episode, Melissa Joy, CFP, ® and Aravind Sithamparapillai, explore the intersection of finance and caregiving professions. Aravind Sithamparapillai is an associate with Ironwood Wealth Management Group in Ontario, Canada. Aravind has a focus on assisting midwives in their unique financial journeys.  Midwives often work for many years with intense schedules, and it's crucial to plan for retirement to ensure a comfortable and secure future. We'll discuss retirement planning strategies ...

Episode 167: Demystifying Credit Scores with Melissa Fradenburg

May 09, 2023 10:00 - 20 minutes - 13.9 MB

Are you looking to better understand your credit score and take steps to improve it?  In this episode, Melissa Fradenburg, CDFA®️, AIF® discusses credit scores and how they impact your financial health. We cover the history of credit scores and why they matter, the five factors that determine your credit score, and tips to improve your score over time. We also discuss why it's important to regularly check your credit report and the best resources to do so. Taking control of your credit score...

Episode 166: Late-Stage College Planning with Brad Baldridge

May 02, 2023 10:00 - 31 minutes - 21.9 MB

In this episode, Melissa Fradenburg, CDFA®️, AIF® , sits down with Brad Baldridge, one of the nation's leading college financial experts, to discuss late term college planning strategies. Brad has over 20 years of experience in helping families plan, save, and pay for college without jeopardizing their financial security or retirement. Brad shares his insights on the best ways to pay for college, save on college costs, and take advantage of financial aid and scholarships. Brad emphasizes the...

Episode 165: Five Financial Tips to Implement After Filing Your Taxes

April 25, 2023 10:00 - 10 minutes - 7.56 MB

In this episode, Melissa Fradenburg, CDFA®️, AIF® shares 5 essential tips to help you make the most of your financial situation after filing your taxes. Tune in to discover smart money moves, investment strategies, and retirement planning advice to consider while your tax situation is fresh in your mind.  We will discuss: Understand the importance of adjusting your tax withholding based on your current financial situation. Learn why it's essential to contribute the maximum amount to your ...

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