Beer & Money
250 episodes - English - Latest episode: 3 days ago - ★★★★★ - 12 ratingsWelcome to Beer and Money, a financial fireside chat for business professionals. We work to simplify your finances so that you can enjoy your life. Your hosts, Ryan Burklo and Alex Collins are financial advisors based out of Seattle, Washington. This material is intended for general public use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation. Securities products and advisory services offered through Park Avenues Securities LLC (PAS), member FINRA, SIPC. OSJ 333 N. Indian Hill Blvd, Claremont, CA, 909-399-1100. PAS is a wholly-owned subsidiary of Guardian. Quantified Financial Partners is not an affiliate or subsidiary of PAS or Guardian. Ryan Burklo, AR Insurance License # 15319412, CA Insurance License # 0K24924, Alexander Collins AR Insurance License # 7264699, CA Insurance License # 0H24806. #2022-133647 Exp 02/2024
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Episodes
Episode 245 - The Single Biggest Factor To Financial Success
April 15, 2024 13:36 - 14 minutes - 12.3 MBIn this episode, Ryan Burklo discusses the single biggest factor that contributes to financial success: managing cashflow. He highlights the flawed cashflow management system that most people have, where income increases are often accompanied by lifestyle inflation. Using a 30-year time horizon and a 5% average income increase, Ryan demonstrates how a 1% difference in lifestyle inflation can significantly impact wealth accumulation. By managing cashflow and keeping lifestyle inflation in che...
Episode 244 - Which Asset Class Is The Best?
April 08, 2024 15:22 - 10 minutes - 9.61 MBIn this episode, Ryan Burklo discusses investment portfolios and the importance of diversification and asset classes. He introduces a tool for analyzing the performance of different asset classes over a 50-year period. Burklo highlights the potential growth of portfolios invested in asset classes such as US small value stocks. He emphasizes the challenge of predicting which asset class will perform the best in any given year and the need for a diversified portfolio. Burklo encourages listene...
Episode 243 - What Are Alternative Investments And Should I Own Them?
April 01, 2024 13:42 - 27 minutes - 22.3 MBIn this episode, Ryan Burklo and Alex Collins discuss alternative investments and whether or not they are suitable for individual investors. They define alternative investments as those that do not fall into traditional categories like stocks, bonds, and cash. The hosts explain the concepts of correlation and standard deviation and how they relate to risk and diversification. They emphasize the importance of having a solid financial foundation, including an emergency fund, income protection,...
Episode 242 - 4 Factors That Have The Greatest Impact On Financial Success
March 25, 2024 14:42 - 23 minutes - 19.6 MBIn this episode, Ryan Burklo discusses the four factors that impact financial success: the amount of wealth, location of wealth, true liquidity ratio, and taxes. He emphasizes the importance of considering these factors when planning for retirement and making financial decisions. Ryan also highlights the significance of controlling cash flow and spending money on things that are valued. By understanding and optimizing these factors, individuals can improve their financial well-being and achi...
Episode 241 - Interview With Estate Planning Attorney Katie Ludwick
March 18, 2024 13:19 - 49 minutes - 40.4 MBIn this episode, Ryan Burklo interviews Katie Ludwick, an estate planning attorney, about estate planning. They discuss the potential changes to the federal estate tax, the Washington state estate tax, and the importance of proactive planning. They also explore estate planning techniques for minimizing taxes and ensuring liquidity. The conversation highlights the pitfalls of online estate planning services and emphasizes the need for personalized advice from an attorney. They conclude by str...
Episode 240 - What 3 Metrics You Should Use To Inspect How Financially Healthy You Are
March 11, 2024 14:26 - 31 minutes - 25.4 MBIn this episode, Ryan Burklo and Alex Collins discuss the metrics for analyzing financial health. They introduce the concept of top line being vanity, bottom line being sanity, and cash flow being reality. They emphasize the importance of measuring free cash flow, liquidity, and income protection to determine financial security. The hosts also challenge the traditional focus on rate of return as a metric and highlight the significance of control in financial decision-making. The episode conc...
Episode 239 - The Best Way To Be Your Best
March 04, 2024 15:05 - 26 minutes - 22.4 MBIn this episode, Ryan Burklo and Alex Collins discuss the importance of knowing who you don't want to be in order to become the person you want to be. They explore the default path that many people follow and the need to break free from societal expectations. The conversation delves into the definition of success and the trap of focusing too much on money. They emphasize the importance of reevaluating goals and creating lasting memories with loved ones. The episode concludes with a question ...
Episode 238 - What Is A Good Tool To Track Your Finances?
February 26, 2024 14:30 - 21 minutes - 18.3 MBIn this episode, Ryan Burklo and Alex Collins discuss the importance of tracking cash flow and steps to attain financial goals. They emphasize the need to understand abstract goals and how expenses play a role in achieving them. The hosts also highlight the use of technology in tracking expenses and recommend the Living Balance Sheet app. They discuss the importance of intentional decision-making when it comes to saving and investing money. Finally, they touch on the significance of protecti...
Episode 237 - Do You Have Fixed Rate Handcuffs?
February 20, 2024 13:41 - 26 minutes - 21.7 MBIn this episode, Ryan Burklo and Alex Collins discuss the impact of fixed interest rates on financial decisions. They explore how low interest rates can make people feel trapped in their current situations, whether it's buying a new home or making big purchases like cars. The hosts provide three solutions for homeowners, including renting, buying down the interest rate, or managing cashflow. They also discuss the importance of looking at the bigger picture when it comes to interest rates and...
Episode 236 - Why You Don't Plan For Your Finances
February 12, 2024 14:44 - 18 minutes - 15.6 MBIn this episode, Ryan and Alex discuss why you don't plan for your finances the way that you should. The beer of the day is Nothing But Hazy by Black Raven Brewing. If you would like to learn more about this beer, please visit their website https://blackravenbrewing.com/pages/on-tap If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 235 - A Formula For Your Vision That You Have Not Heard
February 05, 2024 14:49 - 9 minutes - 8.37 MBIn this episode, Ryan Burklo discusses the formula for vision and how it applies to personal finance. He shares his experience with the 75 Hard program and how it has pushed him to think differently about himself and his finances. The formula for vision consists of having a target or goal, a belief in your ability to achieve it, a plan, and a willingness to explore multiple pathways. Ryan emphasizes the importance of understanding your true definition of wealth and being flexible in adapting...
Episode 235 - Cash Flow Concepts
January 29, 2024 14:29 - 20 minutes - 17.4 MBSummary In this episode, Ryan Burklo and Alex Collins discuss the number one problem for most people with their personal finances: cash flow. They explore the default cash flow management system that most people use, where income goes directly into a checking account and expenses are paid from there. They highlight the importance of interrupting the spending circuit and building a reserve to cover one-time expenses. They also discuss the power of saving rates and how incremental changes an...
Episode 234 - Morning Walks Can Fix Your Finances
January 22, 2024 14:16 - 10 minutes - 8.88 MBIn this episode, Ryan Burklo discusses how going for a walk can help improve your finances. He shares his personal experience of struggling to find time for communication with his spouse and how they decided to go for a walk every morning to spend quality time together. This simple routine allowed them to have conversations about their day, their children, and eventually led to discussions about their finances. They realized the need to get their finances in order and started working on it. ...
Episode 233 - Another Tax Efficient Distribution Method
January 16, 2024 11:10 - 20 minutes - 17.3 MBSummary In this episode, Ryan Burklo and Alex Collins continue their discussion on turning assets into income in retirement. They emphasize the importance of understanding this process early on, even if retirement is still far away. The conversation covers various tax reduction strategies, including the use of investment dollars and annuitization of assets. They also highlight the need for balance and flexibility in retirement planning, as well as the limitations and considerations of diff...
Episode 232 - Tax Efficient Distribution
January 08, 2024 15:55 - 32 minutes - 26.2 MBIn this episode, Ryan Burklo and Alex Collins discuss how money is taxed in retirement. They emphasize the importance of considering both current and future taxation when making financial plans. They provide a historical overview of federal income tax brackets and highlight the impact of major events on tax rates. The hosts also explain the difference between marginal and effective tax rates. They introduce the concept of the amortization of an asset strategy and compare the outcomes of inte...
Episode 231 - How Much True Liquidity Do You Have?
January 02, 2024 15:41 - 24 minutes - 20.5 MBSummary In this episode, Ryan Burklo and Alex Collins discuss the concept of true liquidity and its importance in retirement planning. They explain that true liquidity goes beyond cash reserves and savings, and involves considering what assets will be accessible and how to turn them into income during retirement. They highlight the risks of relying solely on market-based assets for income in retirement and the potential for compounding losses. The hosts introduce the concept of true liquid...
Episode 230 - What Is Your Investment Philosophy?
December 27, 2023 15:01 - 30 minutes - 25.2 MBSummary In this episode, Ryan Burklo and Alex Collins discuss investment philosophy and the different approaches to investing. They cover three main styles: active management, passive management, and structured management. They also touch on the importance of investment structure and aligning investments with personal values. The hosts emphasize the need for a balanced approach to investing and setting up a solid financial foundation. Takeaways Understanding your investment philosophy ...
Episode 229 - 5 Ways To Build Wealth And Maximize Life
December 18, 2023 14:27 - 13 minutes - 11.3 MBIn this episode, Ryan Burklo discusses five ways to build wealth and maximize life. He emphasizes the importance of spending money on items that truly matter, focusing on what can be controlled, protecting income and family's wealth, creating lasting connections with family, and limiting phone use when with family. These strategies serve as reminders to prioritize what is truly important and make intentional choices. Spend money on items that you truly care about and use the 80-20 rule to ...
Episode 228 - 3 Takeaways From Morgan Housel's New Book "Same As Ever"
December 11, 2023 15:47 - 25 minutes - 21.3 MBIn this episode, Ryan and Alex discuss 3 takeaways from Morgan Housel's new book Same As Ever. The beer of the day is Farmhaze IPA from Remlinger Brewery. If you would like to learn more about this beer, please visit their website https://remlingerfarms.com/brewery/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 227 - What Would We Tell Our Moms To Ask If They Were Interviewing Financial Advisors
December 04, 2023 14:53 - 15 minutes - 13 MBIn this episode, Ryan and Alex discuss the top five things they would tell their moms to ask if they were interviewing financial advisors. The beer of the day is Pitchfork IPA from Remlinger Brewery. If you would like to learn more about this beer, please visit their website https://remlingerfarms.com/brewery/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 226 - What Your Competing Priorities Are Costing You?
November 27, 2023 11:31 - 21 minutes - 18.2 MBIn this episode, Ryan and Alex discuss what your competing priorities are costing you in your everyday life with your finances. The beers of the day are Remlinger Brewery's Gary IPA and Fremont Brewing's Sky Kraken IPA. If you would like to learn more about these beers, please visit their websites https://remlingerfarms.com/brewery/ https://www.fremontbrewing.com/sky-kraken If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.n...
Episode 225 - Given The State Of The World, How To Prepare Your Finances
November 20, 2023 14:54 - 26 minutes - 21.9 MBIn this episode, Ryan and Alex discuss the state of the world and how you can prepare your finances to weather the storm. The beers of the day are Tolt IPA from Valley House Brewing and Lucille IPA from Georgetown Brewing. If you would like to learn more about these beers, please visit their websites https://valleyhousebrewing.com/ https://georgetownbeer.com/beer/details/lucille If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandm...
Episode 224 - 3 Concerns To Address Now So You Are Ready For Retirement
November 13, 2023 15:55 - 28 minutes - 23.5 MBIn this week's episode, Ryan and Alex discuss 3 concerns you should address now so you are prepared for retirement. The beer of the day is a Pilsner from Fired Up Brewing in Colville, WA. If you would like to learn more about this beer, please visit their website https://www.facebook.com/firedupbrewing/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 223 - 3 Lessons On Money And Marriage
November 06, 2023 15:01 - 23 minutes - 19.2 MBIn this episode, Ryan and Alex discuss lessons on how to talk about money within your marriage. The beers of the week are Flocktoberfest Lager from Black Raven Brewing and Sam Addams Octoberfest. To learn more about these beers, please visit their websites https://blackravenbrewing.com/products/flocktoberfest https://www.samueladams.com/our-beers/limited-release/marzen/octoberfest If you would like to learn more about Quantified Financial Partners, please visit our website www.be...
Episode 222 - 3 Tax Steps You Should Consider Making In The Fourth Quarter
October 30, 2023 13:11 - 25 minutes - 20.8 MBIn this episode, Ryan and Alex discuss three things that you should consider making in the fourth year for your taxes. The beer of the day is No Li IPA from No Li Brewery in Spokane, WA. If you would like to learn more about this beer, please visit their website https://www.nolibrewhouse.com/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 221 - 3 Things To Discuss With Your Parents About Finances
October 23, 2023 13:30 - 25 minutes - 20.8 MBIn this episode, Ryan and Alex discuss how to talk to your parents about finances. The beers of the week are Avery Brewing's Rufus Corvus Sour Ale and Elysian Brewing's Dragonstooth Stout. If you would like to learn more about these beers, visit their websites https://www.averybrewing.com/brews/barrel-aged-series https://www.elysianbrewing.com/beer/dragonstooth-stout If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 220 - How To Use The Four Basic Building Blocks Of Retirement
October 16, 2023 14:19 - 15 minutes - 12.8 MBIn this episode, Ryan and Alex discuss the four basic building blocks of retirement funding. The beer of the day is Flocktoberfest Lager from Black Raven Brewing. If you would like to learn more about this beer, please visit their website https://blackravenbrewing.com/products/flocktoberfest If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 219 - 5 Quotes From The Book The Psychology of Money That Struck Me
October 09, 2023 13:32 - 12 minutes - 10.1 MBIn this episode, Ryan discusses five more quotes from the book The Psychology of Money by Morgan Housel. If you have any questions about Quantified Financial Partners, please visit us www.beerandmoney.net
Episode 218 - 5 Lessons From Live to 100: Secrets of the Blue Zones
October 02, 2023 13:16 - 15 minutes - 12.7 MBIn this episode, Ryan discusses the Netflix Docuseries, Live to 100: Secrets of the Blue Zones. If you would like to learn more about this show, click HERE. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 217 - Does A 20-Year-Old Need Estate Planning Documents?
September 25, 2023 11:27 - 16 minutes - 13.7 MBIn this episode, Ryan and Alex discuss if a 20 year old needs estate planning documents and why. The beers of the day are Fremont Brewing's Hustle Double IPA and Widmer Brothers Hefeweizen. To learn more about these beers, please visit their websites https://www.fremontbrewing.com/hustle https://www.widmerbrothers.com/beer/hefe If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 216 - 5 Key Methods To Prepare for Retirement
September 18, 2023 13:26 - 25 minutes - 17.5 MBIn this episode, Alex discusses retirement planning and the various vehicles to help you get ready. The beer of the day is an amber ale from Fired Up Brewing in Colville, WA. If you would like to learn more about this beer, please visit their website https://www.facebook.com/firedupbrewing/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 215 - A Comparison Between Whole Life Insurance And Bonds
September 11, 2023 12:56 - 45 minutes - 36 MBIn this episode, Ryan and Alex discuss the difference between whole life insurance and bonds and where to put your money. The beers of the day are Twilight Summer Ale by Deschutes Brewery and Juciy Haze by Voodoo Ranger. If you would like to learn more about these beers, please visit their websites https://www.deschutesbrewery.com/beer/twilight-summer-ale/ https://www.voodooranger.com/beer/juicy-haze/ If you would like to learn more about Quantified Financial Partners, please visit our w...
Episode 214 - What Is Whole Life And Term Life Insurance?
September 05, 2023 12:48 - 24 minutes - 20.7 MBIn this episode, Ryan and Alex discuss what term life and whole life insurance are. The beer of the day is Mac and Jack's African Amber. If you would like to learn more about this beer, please visit their website https://www.macandjacks.com/african-amber If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 213 - What Are The Different Types Of Life Insurance?
August 28, 2023 14:49 - 33 minutes - 27.5 MBIn this episode, Ryan and Alex discuss different types of life insurance and what they do. The beers of the day are Huckleberry Pucker by Paradise Creek and Stash Panda by Hop Valley. If you would like to learn more about these beers, please visit their websites https://paradisecreekbrewery.com/product/huckleberry-pucker-2/ https://www.hopvalleybrewing.com/beer/stashpanda/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney....
Episode 212 - Whether Or Not You Should Pay Cash Or Get A Loan To Pay For A Car
August 21, 2023 13:20 - 22 minutes - 18.7 MBIn this episode, Ryan and Alex discuss three factors to help determine whether you should pay cash or get a loan to purchase a car. The beer of the day is Devotion from Lost Abbey Brewing. To learn more about this beer, visit their website https://lostabbey.com/beer/devotion/ To learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 211 - How To Be Financially Savvy For Your Family Without Compromising Parenthood
August 14, 2023 14:51 - 25 minutes - 20.9 MBIn this episode, Ryan and Alex discuss how to be financially savvy without compromising being a good parent. The beer of the day is Shocker Hazy IPA from Bale Breaker Brewery. If you would like to learn more about this beer, please visit their website https://balebreaker.com/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 210 - What Is An Under Utilized Account That You Need To Have?
August 07, 2023 13:52 - 16 minutes - 14.7 MBIn this episode, Ryan and Alex discuss underutilized accounts and how they can be important in your financial plan. The beers of the day are Lucille IPA from Georgetown and Stash Panda from Hop Valley. If you would like to learn more about these beers, please visit their websites https://georgetownbeer.com/beer/details/lucille https://www.hopvalleybrewing.com/beer/stashpanda/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney....
Episode 209 - Are The Retirement Preparedness Articles Correct?
July 31, 2023 15:03 - 22 minutes - 18.1 MBIn this episode, Ryan and Alex are going to discuss retirement preparedness articles and whether or not they are correct for everyone. The beer of the day is Juicy Pale Ale from 20 Corners Brewing in Woodinville, WA. If you would like to learn more about this beer, please visit their website https://www.20cornersbrewing.com/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 208 - How Is Your Entire Balance Sheet Allocated?
July 25, 2023 12:23 - 17 minutes - 14.1 MBIn this episode, Ryan and Alex discuss how your balance sheet is allocated. The beer of the day is Big Ballard IPA from Red Hook Brewery. If you would like to learn more about this beer please visit their website https://www.redhook.com/beers/big-ballard If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 207 - Alex Interviews Nick Domino
July 17, 2023 13:38 - 30 minutes - 24.9 MBIn this episode, Alex Collins interviews Nick Domino, an Investment Advisor at Park Avenue Securities. He and Alex discuss 401Ks. The beer of the day is 3 Fonteinen Belgian Beer. If you would like to learn more about this beer, please visit their website https://www.3fonteinen.be/en/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 206 - 6 Statements I Think Are True About Money
July 10, 2023 13:30 - 12 minutes - 9.79 MBIn this episode, Ryan discusses six statements about money that he thinks are true. The beer of the day is Ghost Trees Hazy IPA from 20 Corners Brewing out of Woodinville, WA. If you would like to learn more about this beer, please visit their website https://www.20cornersbrewing.com/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beeerandmoney.net
Episode 205 - Are You Getting Good Advice Or Advice That Sounds Good?
July 03, 2023 12:41 - 16 minutes - 14 MBIn this episode, Ryan and Alex discuss whether you are getting advice that sounds good or good advice. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 204 - Are You Present With Your Family?
June 26, 2023 14:24 - 11 minutes - 9.85 MBIn this episode, Ryan discusses the time you spend with your family and are you present with them. The beer of the day is Accumulation IPA from New Belgium Brewing. If you would like to learn more about this beer, please visit their website https://www.newbelgium.com/beer/accumulation/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 203 - Is It Different This Time With The Stock Market?
June 20, 2023 12:54 - 16 minutes - 13.6 MBIn this episode, Ryan and Alex discuss if it is different this time with the stock market. The beer of the day is Damnation by Russian River. If you would like to learn more about this beer, please visit their website https://www.russianriverbrewing.com/damnation/ If you would like to learn more about Quantified FInancial Partners, please visit our website www.beerandmoney.net
Episode 202 - How Are You Listening?
June 12, 2023 12:28 - 22 minutes - 17.6 MBIn this episode, Ryan and Alex discuss how you listen. The beer of the day is Cascade Highway IPA from Big Block Brewery in Washington. If you would like to learn more about this beer, please visit their website https://www.bigblockbrewery.com/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 201 - What Is Your System To Pay Yourself First?
June 05, 2023 12:54 - 16 minutes - 12.3 MBIn this episode, Ryan discusses how to make sure you have a system to pay yourself first. The beer of the day is Tropical Big Ballard Juicy IPA from Red Hook Brewing. If you would like to learn more about this beer, please visit their website https://www.redhook.com/beers/tropical If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 200 - What Steps To Take To Curb The Debt Ceiling Uncertainty
May 29, 2023 11:27 - 20 minutes - 16.8 MBIn this episode, Ryan and Alex discuss the steps to take to help with the uncertainty of the debt ceiling. The beer of the day is Blueberry from Cascade Brewing. If you would like to learn more about this beer, please visit their website https://cascadebrewing.com/our-beers/blueberry-2020/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
Episode 199 - Top 3 Lessons To Teach Your Children About Money
May 22, 2023 13:57 - 27 minutes - 25.5 MBIn this episode, Ryan and Alex discuss three lessons to teach your kids about money and finance. The beer of the day is Beatification from Russian River Brewing. If you would like to learn more about this beer, please visit their website https://www.russianriverbrewing.com/beatification/ If you would like to learn more about Quantified Financial Partners, please visit www.beerandmoney.net
Episode 198 - Personal Lines of Insurance In A Gig Economy
May 15, 2023 13:12 - 38 minutes - 31.5 MBIn this episode, Ryan and Alex interview Charles Lindberg, an agency owner of Goosehead Insurance based out of Bellevue, Washington. They discuss personal lines of insurance during a gig economy. If you would like to reach out to Charles, please visit his website https://www.goosehead.com/agents/charles-lindberg/ The beers of the day are Consecration, a sour from Russian River, if you would like to learn more about this beer, please visit their website https://www.russianriverbrewing.com/c...
Episode 197 - How Much Lifestyle Creep Is Actually OK?
May 08, 2023 12:56 - 21 minutes - 17.8 MBIn this episode, Ryan and Alex discuss what lifestyle creep is and how much is actually ok. The beer of the day is Flow State Hazy IPA from Everybody's Brewing. If you would like to learn more about their beer, please visit their website https://everybodysbrewing.com/pages/on-tap If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net