Capitalize Your Fridays!
154 episodes - English - Latest episode: about 1 month ago -Every other Friday Michael Williams & Taylor McGowen will share financial insight as two CERTIFIED FINANCIAL PLANNERS™ with different generational perspectives. Maybe we'll even bring in a guest speaker too! Provided to you by ALTIUS Financial Inc.
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Episodes
Tick Tock, Tik Tok?
March 22, 2024 23:31 - 29 minutes - 26.9 MBLet's talk Tik Tok. Is Tik Tok going to get banned? And does even apply to me if I'm not a current user? Mike and Taylor dive into the Tik Tok news and what this could mean for different areas of the US economy.
The Tipping Point
March 08, 2024 19:00 - 17 minutes - 39.9 MBWe want to look after our service professionals, but has Tipping gotten out of hand? Mike and Taylor cover what’s the big issue with tipping? What’s typical for tip protocol? And more.
Relationships & Retirement
February 23, 2024 19:00 - 35 minutes - 32.5 MBIn this episode, Mike and Taylor cover the top 3 relationship risks when transitioning into retirement. Retirement vision and timeline for that vision Financial harmony Health and longevity
RMDs... What Are These?
February 09, 2024 19:00 - 23 minutes - 22.1 MBWhat's an RMD and why do I have to pull money from my account each year? Or do I? In this episode, Mike and Taylor dive into these common questions about required minimum distributions (RMDs), how they're calculated, and the history of them.
ABCs of Business Entities
January 26, 2024 19:00 - 28 minutes - 26.6 MBABC’s it’s easy as… wait, no, what business Entity is best for me? In this episode, Mike and Taylor review what a business entity is and the different types of business entities.
Are You Behind On Your Finances?
January 12, 2024 19:00 - 39 minutes - 36.9 MBWhere do you fall on the financial readiness scale? This episode answers questions many of our listeners may have regarding their current financial security relative to social norms.
Santa Swing in the Stock Market
December 15, 2023 19:30 - 21 minutes - 19.4 MBSanta is coming to town and as he takes off on his sleigh, he may bring the stock market up with him this year. Let’s dive into the concept of the Santa Stock Market Swing.
Lessons from Taylor’s First Home Purchase
December 01, 2023 19:30 - 49 minutes - 46.2 MBTune in to hear about Taylor’s first home buying experience and learn more about the home buying process.
Intro to Financial Statements
November 10, 2023 19:00 - 23 minutes - 22 MBWhat do my statements even mean and why do I need them? In this episode, we demystify common financial statements and dive into how to understand them.
Financially Ghosted
October 27, 2023 18:00 - 35 minutes - 32.6 MBIt’s spooky season! To help prevent being financially ghosted or financially ghosting, Mike and Taylor review the basics of estate planning. If you're interested in this topic or have any questions, sign up here to attend our upcoming workshop on Estate Planning with guest speaker Ryan McGuffey.
EVs and the Oil Industry with Malcolm Theobald
October 13, 2023 18:00 - 49 minutes - 45.9 MBIn this episode, Malcolm Theobald joins the ALTIUS team to discuss the rise in electric vehicle demand and the current global energy crisis. Malcolm has 30 years of industry experience in energy along with the recent experience in purchasing an electric vehicle.
10x is Easier Than 2x Book Review
September 29, 2023 18:00 - 55 minutes - 51.1 MBOver the summer, the ALTIUS team read the book "10x is Easier Than 2x" by Dan Sullivan and Dr. Benjamin Hardy. We thought it was a unique idea and that the book was so good that we had to share it with our listeners. So, in this episode, Mike and Taylor review the basic concepts and why 10x really does seem easier than 2x.
How to Maximize Your Rental Property Tax Strategy
September 15, 2023 18:30 - 27 minutes - 25.7 MBIn this episode, Mike and Taylor dive into 1031 exchanges - what it is, how you can utilize it when buying and selling rental real estate, and Mike's own experiences with these.
What to know about HSAs
September 01, 2023 18:30 - 22 minutes - 20.5 MBEarlier this year, ALTIUS had a virtual workshop with Gerry Hollis, who presented on Health Savings Accounts (HSA). If you missed that workshop or need a refresher on HSAs, then this is the episode for you! Mike and Taylor dive into how to utilize HSAs for investing and tax benefits.
TD Ameritrade to Schwab - What you need to know
July 28, 2023 23:00 - 46 minutes - 43 MBIt's been a long time since the official purchase of TD Ameritrade by Schwab, but the full transition date is coming up this Labor Day (September 4, 2023). At ALTIUS, we've been preparing for this transition and staying on top of the updates from TD and Schwab in the last couple years. So, in this episode, we answer the questions many of our listeners may have regarding the transition from TD to Schwab.
A Dying Dollar? Can the Dollar Lose Reserve Currency Status?
June 30, 2023 22:30 - 39 minutes - 36.5 MBGiven the recent debt ceiling debate and worldwide economic uncertainty, many of our clients have asked us about the issue of reserve currency status...will the US dollar continue to function as the currency that the world uses?
Alternatives to Alternative Investments
June 02, 2023 22:45 - 37 minutes - 34.7 MBThe most common types of alternative investments include real estate, collectibles, commodities, private equity, and derivatives. But in this episode, Mike and Taylor cover a couple new unique alternative investments in the wine and art industries. They discuss the potential risk and benefits of these newer investments.
Travel Credit Card - Tips & Tricks
May 06, 2023 00:00 - 38 minutes - 35.4 MBWith summer travel coming up, Mike and Taylor review the process of travel credit cards, and how to maximize credit card points. In this overview on credit card points and benefits, Taylor goes over some tips & tricks and things to look out for when considering a credit card.
Secure Act 2.0
April 21, 2023 23:30 - 31 minutes - 28.9 MBThe Secure Act 2.0 will likely have an impact on ALTIUS' clients, so in this episode Mike and Taylor give an overview of the Secure Act 2.0 and outline how they're thinking about it in the long-term. At the end of the episode, they also discuss the process of stock buybacks and how they affect shareholders.
AI Chat Bots: the Good, the Bad, & the Ugly
April 07, 2023 23:00 - 56 minutes - 52.7 MBWhat is this Chat GPT I hear people talking about? Listen along as Mike and Taylor introduce you to and implement the world's fastest growing new tech - Chat GPT. We cover the new artificial intelligence (AI) language processing chat bot technology that is currently at the forefront of bringing AI to the masses and how it relates to investing.
What to know about SVB & Banking
March 25, 2023 00:30 - 59 minutes - 55.4 MBIn this episode, Mike and Taylor discuss the current banking situation (SVB, Credit Suisse, etc) and explain the recent and historic events that led to this predicament.
Pricey Prenatal & Pregnancy Costs
March 11, 2023 02:30 - 20 minutes - 18.7 MBTo help our listeners prepare for potential big life milestones we’re discussing the expenses associated with these milestones. Today’s episode discusses planning for potential pricy prenatal and pregnancy costs.
Layoff Chaos
February 25, 2023 00:30 - 29 minutes - 27.3 MBIn this episode we discuss some of the recent layoff turmoil and how this has spread beyond just the tech industries. We share our outlook on causes of these layoffs, our perspective on how this may or may not present investment opportunities, and our suggestions to any listener who may be directly experiencing this difficult time.
Mortgage Lending with Kim Crea
February 11, 2023 00:19 - 59 minutes - 55 MBOur guest this week is Kim Crea, Senior Vice President of Residential Lending at Draper & Kramer Mortgage. Kim has a wealth of knowledge about mortgage lending and has been helping people with their home financing needs since 2003. She loves working with first-time homebuyers, repeat purchasers, or those looking to refinance, and her goal is to make the loan process as easy and smooth as possible. In this episode, Kim walks Mike through the process of “locking in” interest rates, the typical...
Why is Big Tech Losing Trillions?
January 28, 2023 01:35 - 18 minutes - 17.1 MBALTIUS recently had a client ask about investing in tech and what is going on with many of the large companies losing trillions based on their share price. So, in this episode, we discuss the chaos around big tech's layoffs and loss of capital, and what that means for ALTIUS' outlook on current market volatility.
Market Cap Confusion
January 13, 2023 23:01 - 31 minutes - 28.7 MBLet’s dive into what Market Capitalization is and how it helps investors make allocation decisions.
New Year, New Client
December 30, 2022 21:30 - 23 minutes - 21.9 MBIn this episode, Mike and Taylor discuss what it means to become a new client. Such as, what questions to ask a new advisor, what it means to become a client with a financial advisor, and what the ALTIUS Financial client experience looks like.
Debunking the 60/40 Rule
December 16, 2022 17:48 - 32 minutes - 29.6 MBMike and Taylor discuss the 2022 market conditions and the failure of using the 60/40 Rule to protect one's nest egg. What happened and should you throw out the old asset allocation rules?
FTX, What the Heck?
December 03, 2022 00:17 - 38 minutes - 35.5 MBThe recent FTX drama has everyone wondering what’s in store for the future of crypto currency. Tune in to hear our thoughts on what has happened so far and our future outlook for decentralized finance.
Where's the (Debt) Ceiling?
November 18, 2022 19:00 - 38 minutes - 35.7 MBRecently, we've had many clients ask about the Debt ceiling and with the government continuing to increase spending and assistance policies the current “debt ceiling” seems more of an open sunroof than an actual ceiling. So in this episode, Taylor questions Mike about his thoughts on government debt and how it may impact our client portfolios.
CYF 59: Where's the (Debt) Ceiling?
November 18, 2022 19:00 - 38 minutes - 35.6 MBRecently, we've had many clients ask about the Debt ceiling and with the government continuing to increase spending and assistance policies the current “debt ceiling” seems more of an open sunroof than an actual ceiling. So in this episode, Taylor questions Mike about his thoughts on government debt and how it may impact our client portfolios.
Employee Healthcare Elections
November 05, 2022 05:00 - 23 minutes - 21.8 MBLet's clarify the employee healthcare policy election process by breaking down terminology and policy types to help you make the right selection. In this episode we cover coinsurance, copays, different types of health insurance plans, and most importantly how an HSA account can benefit your overall financial situation in the long-term.
CYF 58: Employee Healthcare Elections
November 05, 2022 05:00 - 23 minutes - 21.8 MBLet's clarify the employee healthcare policy election process by breaking down terminology and policy types to help you make the right selection. In this episode we cover coinsurance, copays, different types of health insurance plans, and most importantly how an HSA account can benefit your overall financial situation in the long-term.
Furry Family Finances
October 21, 2022 22:33 - 29 minutes - 26.8 MBPets may be our furry family members, but we often overlook how their expenses quickly add up. Today we discuss the finances around adopting and supporting our favorite fluffy family members.
CYF Ep 57: Furry Family Finances
October 21, 2022 22:33 - 28 minutes - 26.8 MBPets may be our furry family members, but we often overlook how their expenses quickly add up. Today we discuss the finances around adopting and supporting our favorite fluffy family members.
There's More to Life Than Retirement
October 07, 2022 18:00 - 35 minutes - 32.5 MBOne of the main financial topics we discuss with clients is preparing for retirement, but here at ALTIUS we think being ready for retirement is not only about how much you've saved. So, in this episode, we discuss what it really takes to be retirement ready and how enjoying the journey shows that there's so much more to life than retirement.
CYF 56: There's More to Life Than Retirement
October 07, 2022 18:00 - 35 minutes - 32.5 MBOne of the main financial topics we discuss with clients is preparing for retirement, but here at ALTIUS we think being ready for retirement is not only about how much you've saved. So, in this episode, we discuss what it really takes to be retirement ready and how enjoying the journey shows that there's so much more to life than retirement.
Supply Chain Issues
September 23, 2022 22:30 - 26 minutes - 24.1 MBWith COVID on the downturn why are we still seeing challenges in our local and global supply chain? Mike and Taylor discuss their research on where these supply chain shortages are at and why - tune in to hear!
CYF 55: Supply Chain Issues
September 23, 2022 22:30 - 25 minutes - 24 MBWith COVID on the downturn why are we still seeing challenges in our local and global supply chain? Mike and Taylor discuss their research on where these supply chain shortages are at and why - tune in to hear!
CYF Ep 54: Why Do Millennials Hate Dave Ramsey?
September 09, 2022 23:45 - 31 minutes - 29.5 MBIt’s a bit harsh to say that a whole generation hates an individual, but it is interesting to point out that much of the millennial generation doesn’t agree with Dave Ramsey's financial philosophy. Listen to this episode to find out why.
Why Do Millennials Hate Dave Ramsey?
September 09, 2022 23:45 - 31 minutes - 29.5 MBIt’s a bit harsh to say that a whole generation hates an individual, but it is interesting to point out that much of the millennial generation doesn’t agree with Dave Ramsey's financial philosophy. Listen to this episode to find out why.
CYF Ep 53: Is it Always (or Ever) Cheaper to Buy Direct?
August 27, 2022 02:04 - 43 minutes - 40.4 MBIn this episode, Taylor tells Mike about some of her recent experiences of buying direct, which sparked the question "Is it always or ever cheaper to buy direct?" Listen to hear Taylor and Mike's thoughts on what is worth getting a deal for and what isn't. Also, at the beginning of this episode we give a brief update on President Biden's Student Loan Announcement and Updates.
Is it Always (or Ever) Cheaper to Buy Direct?
August 27, 2022 02:04 - 43 minutes - 40.4 MBIn this episode, Taylor tells Mike about some of her recent experiences of buying direct, which sparked the question "Is it always or ever cheaper to buy direct?" Listen to hear Taylor and Mike's thoughts on what is worth getting a deal for and what isn't. Also, at the beginning of this episode we give a brief update on President Biden's Student Loan Announcement and Updates.
CYF Ep 52: Biden's Inflation Reduction Act
August 20, 2022 01:19 - 33 minutes - 31 MBPoliticians have a knack for naming legislation to make it seem more palatable, especially in election years. This bill is no different since most people really are experiencing the effects of inflation with much higher prices on everyday items. Mike and Taylor discuss President Biden's most recent bill and its potential impact on the economy, markets and client portfolios.
Biden's Inflation Reduction Act
August 20, 2022 01:19 - 33 minutes - 31.1 MBPoliticians have a knack for naming legislation to make it seem more palatable, especially in election years. This bill is no different since most people really are experiencing the effects of inflation with much higher prices on everyday items. Mike and Taylor discuss President Biden's most recent bill and its potential impact on the economy, markets and client portfolios.
CYF Ep 51: The Psychology of Money
August 13, 2022 00:44 - 32 minutes - 30.2 MBIn this episode, Taylor and Mike do a book review of The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness by Morgan Housel. They discuss different principles of the book and the application of them in life and mindset. A book for anyone interested in how to think about money and how to let that mindset drive your monetary behaviors.
The Psychology of Money
August 13, 2022 00:44 - 32 minutes - 30.3 MBIn this episode, Taylor and Mike do a book review of The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness by Morgan Housel. They discuss different principles of the book and the application of them in life and mindset. A book for anyone interested in how to think about money and how to let that mindset drive your monetary behaviors.
CYF Ep 50: We're 50 Now!
July 30, 2022 03:40 - 21 minutes - 20 MBWe're excited for our 50th episode release! Listen to find out why we created Capitalize Your Fridays and to hear more about what's coming next for our podcast.
We're 50 Now!
July 30, 2022 03:40 - 21 minutes - 20 MBWe're excited for our 50th episode release! Listen to find out why we created Capitalize Your Fridays and to hear more about what's coming next for our podcast.
CYF Ep 49: Chew On It?
July 15, 2022 22:16 - 25 minutes - 23.8 MBCommunication is key and in this episode Mike and Taylor talk about a particular miscommunication with a client that led first to some confusion, then laughter and finally to a history lesson. Mike often talks about "chewing on" ideas, as in pondering and then digesting something new or different and he talks about the history of Judaism, finance, money-lending and finance.