Beyond Finances
66 episodes - English - Latest episode: 8 months ago - ★★★★ - 45 ratingsBeyond Finances provides motivated professionals with young families with new ideas and perspectives on how to use money and strategic financial planning to get more of what you want from life.
Each episode features real, direct, and nuanced conversations about the challenge of planning for the long-term - while we live in the here and now. The podcast seeks to go beyond basic financial advice, rules of thumb, and spreadsheet math to help listeners think more deeply and clearly about how to optimize personal finances while also fully experiencing what matters most along the way.
Hosted by Eric Roberge, CFP, a fee-only financial advisor who helps his clients take advantage of opportunities while minimizing risk, Beyond Finances aims to translate the theory of advice into the actual practice of using money as a tool to build wealth while enjoying life now. Eric founded Beyond Your Hammock, a wealth management firm based in Boston MA but serving clients virtually with the goal of giving motivated professionals a strategic approach to building wealth that considers all aspects of life, not just finances - one that allows clients to live well today while still planning responsibly for the future.
The show is co-hosted by Kali Roberge, who runs operations and marketing for Beyond Your Hammock - and is also Eric's business partner and spouse. Their open, authentic, and vulnerable conversations help listeners see both what's possible when you know how to leverage your resources of time, energy, and money to build wealth - but also what tough decisions, tradeoffs, and challenges working couples with young families might face along the way.
There are a lot of options for growing and securing wealth - but the only possibility that matters is the one that actually works for you. If you're tired of black and white advice, join us for conversations about financial planning and wealth building that actually dig into the nuance of creating your own unique path to financial success.
Ready to go beyond the podcast? You can reach out to Beyond Your Hammock at [email protected] or go to BeyondYourHammock.com/Schedule to request a complimentary consultation complete with personalized one-page financial plan.
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Episodes
Money and Market Misconceptions That Can Cost You
June 28, 2019 09:00 - 24 minutes - 19.1 MB16: What you only think you know can definitely hurt you -- and cause you to lose a lot of money in the market. The reality is most of us do not consistently make excellent financial choices on our own, in a vacuum. Part of the problem is that we're plagued by misconceptions around money and the market, and we act on faulty information. Start to solve this problem by educating yourself on the real deal and understand what's really going on when we talk about things like diversification, in...
How to See the (Money) Forest for the Trees
June 14, 2019 09:00 - 22 minutes - 17.3 MB15: Most people make short-term and limited decisions without considering how these choices impact things to the right when you’re only looking left. Here’s how to solve that problem If we could compare life to walking through a forest, we could say that you pass a lot of trees along the way. And most people tend to obsess over the nearest tree. It’s just human nature: you focus on the tree nearest to you and you lose sigh of that entire forest that is your life. In this episode of the...
Your Money Questions Answered: Student Loans, IPOs, Credit Cards, and More
May 31, 2019 09:00 - 24 minutes - 21.1 MB14: You asked us about student loans, credit cards, IPOs, retirement savings, and budgeting. Here are our answers. A few podcast episodes ago, we asked for you to send us some of your money questions that you wanted our perspective on -- now we're answering! We cover the following questions in this first "ask me anything" styled show: How much do I need to save for retirement? What's the best credit card to use? How do you budget? What should I do if my company is about to go throug...
How Much Average People Spend
May 17, 2019 09:00 - 19 minutes - 16.4 MB13: Ever wondered how much most people spend on housing, travel, restaurants, and more? And have you ever wondered how YOU compare? We dive into some of these numbers in this episode, sharing what the average person spends, what we think you need to save, and how to fit YOUR spending around these data points. We also talk about how to set up a budget in a way that feels freeing, not restrictive, and explain a 3-step process for cash flow management to help you reach your goals without ...
Thoughts on Planning and Paying for a Wedding
May 03, 2019 09:00 - 13 minutes - 9.46 MB12: Getting married and planning your wedding is a big deal. But that doesn't justify spending more than you can afford... or sabotaging all your other savings goals for the sake of throwing one giant party for hundreds of people. People were really interested to know how much Eric, as a financial planner, would spend on his own wedding -- so we decided to start talking about it to give people a new perspective on how much to spend and the WHY behind that rational. In this episode, Kali...
Stocks, Bonds, and Mutual Funds, Oh My!
April 19, 2019 09:00 - 32 minutes - 26.2 MB11: Get some guidelines that will help you invest smarter so you can make your money work for you (while avoiding silly mistakes along the way). “…but in this world nothing can be said to be certain, except death and taxes,” wrote Ben Franklin. He could have added something like “and the fact that inflation will eat away the buying power of your cash over time” and likely still would have had a point. It’s this fact that makes investing — especially when you’re young and have a long time...
Biggie Said It Best
April 05, 2019 09:00 - 24 minutes - 25.5 MB10: Mo money mo problems. And not just for OGs. When you start making a significant amount of income, you're probably going to be able to buy what you want at any given point in time. And that can pose a unique kind of problem. Earning more actually makes it harder to manage your money in many ways, primarily because you have more and more choice as your income goes up and up. With less inherit restrictions or limitations to face, it becomes increasingly on you to be disciplined enough t...
How to Use Thought Experiments to Design Your Best Life
March 22, 2019 09:00 - 21 minutes - 24.2 MB9: What if you dropped your limitations, allowed yourself to daydream, and considered what's possible for your life? On the show today, we're encouraging your to stretch your mind, imagine a world with no limits, and brainstorm what your life could look like if "can't" weren't part of your vocabulary. We're sharing some ideas and structures to use for thought experiments and daydreaming sessions that will help jolt you out of your day-to-day routine and into the realm of what's possible ...
How to Travel More Without Busting Your Budget
March 08, 2019 10:00 - 30 minutes - 34.6 MB8: Kali's favorite thing to do is travel. Eric's favorite thing to do is save money. This is how we manage to do a lot of both. It seems like most of us in our 20s, 30s, & 40s wants to see the world, experience new things, try all the foods, and of course, have some really great photos for the 'Gram. But a ton of travel gets pricey, fast. So how do you balance the need to save with the desire to explore? Tune in to learn how we manage it ourselves. Full show notes at www.beyondyourhammoc...
5 Financial Opportunities You're Missing Right Now
February 22, 2019 10:00 - 21 minutes - 27.4 MB7: We see a TON of people missing out on great opportunities to keep more money in their pockets and grow their wealth because they're not paying attention to a few simple aspects of their financial plan. Today, we dive into some really simple but easy-to-miss opportunities to grow your wealth. Tune in to learn about these 5 things that you could be leveraging to your benefit -- and then make sure you're taking advantage if you can. Full show notes can be found at www.beyondyourhammock.c...
Emotions - The Enemy of Being Good with Money?
February 08, 2019 10:00 - 27 minutes - 29.3 MB6: Recently, someone asked Kali and Eric why they're "good with money." The answer? Ultimately, they agreed it came down to this one thing: they keep their money and their emotions separate. That inspired today's episode of Beyond Finances, which is all about why we don't talk about money, how emotions can get in our way, and what we can do to solve the potential problems that arise when you make highly charged, emotional money moves. Full show notes at www.beyondyourhammock.com/6
What It Takes to Go After Financial Freedom
January 25, 2019 11:00 - 24 minutes - 27.4 MB5: Not everyone is in a position to reach financial freedom. "Just save more" or "be frugal!" are not adequate pieces of advice for everyone. Sometimes, you need to do more than just cut back on consumerism. We're continuing the financial independence conversation and taking a look at how people of varying financial means can approach the goal of financial independence. We also share some basic steps to get you started on this journey. Show notes available at www.beyondyourhammock.com/5
Money Alone Will Not Set You Free
January 18, 2019 10:00 - 26 minutes - 30.8 MB4: Today, we're taking on the idea of financial freedom - and how we suggest redefining it to better fit your life. We're pushing back against the idea that the solution to all life's problems can be found via financial independence. Life is not that black and white, and we believe striking a balance between living well today while planning responsibly for tomorrow may provide even more happiness than the traditional take on "financial freedom." Full show notes at www.beyondyourhammock.c...
Focus on What You Can Control
January 04, 2019 03:09 - 23 minutes - 25.4 MB3: We're tackling the third key variable to financial success: focus. Specifically, we're diving into developing the ability to focus on what you can control. There's a lot of noise and distraction out there, which means finding financial success requires you to zero in on what really matters. And once you find THAT, you then have to go a step further and sort through what's in your power to do something about, and what you may need to let go of. Show notes at https://beyondyourhammock.com/3
The Art of Being Intentional with Your Money
January 04, 2019 03:09 - 27 minutes - 32.3 MB2: Today, we're talking all about how to make intentional decisions with your money and in your life. We explain what it takes to be intentional, how to think through financial choices both big and small, and how this whole process hinges on understanding what you value. Get full show notes here: https://beyondyourhammock.com/2
How to Balance Spending Today with Saving for Tomorrow
January 04, 2019 03:09 - 27 minutes - 28.7 MB1: Welcome to Beyond Finances! In this very first episode of our brand-new podcast, we want to kick off the conversation by looking at three essential elements of financial success: Balance, Intention, and Focus. First up, we're tackling balance -- and exploring what it means to enjoy your life today while still planning responsibly for tomorrow (and how you can pull this financial feat off for yourself). For more, see full show notes at https://beyondyourhammock.com/1/