Finances and...
158 episodes - English - Latest episode: 5 months ago -I educate listeners so they can understand the in's and out's of financial planning, estate planning, retirement, insurance, and investing topics; by drilling down into each of these categories, and providing small bites in easy to understand language. With this information you can implement needed changes and reach your own financial goals. I want to provide professional financial coaching and therapy dedicated to helping you achieve your financial goals.
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Episodes
Finances and... HSA's & FSA's
November 30, 2023 01:00 - 9 minutes - 6.52 MBHealth Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are financial tools designed to help individuals manage and save for their healthcare expenses. HSAs are typically paired with high-deductible health insurance plans and offer a triple tax advantage: contributions are tax-deductible, the funds grow tax-free, and withdrawals for qualified medical expenses are tax-free. This makes HSAs a powerful long-term savings vehicle for healthcare costs. In contrast, FSAs are employer-s...
Finances and... Negotiating Better Benefits
November 10, 2023 08:00 - 11 minutes - 7.74 MBNegotiating better benefits is a crucial skill that can significantly enhance your financial well-being and overall job satisfaction. When you negotiate for improved benefits, you are essentially advocating for your own needs and demonstrating your value to your employer. This process allows you to align your compensation and perks more closely with your personal and professional goals. By securing these benefits, you can achieve a higher level of financial security, access to quality health...
Finances and... Car Insurance Savings
November 02, 2023 12:00 - 8 minutes - 5.77 MBSaving on car insurance is a prudent financial decision. To reduce your premiums, start by maintaining a clean driving record with no accidents or traffic violations, as this can lead to significant discounts. Additionally, consider raising your deductible, which will lower your monthly premiums but require you to pay more out of pocket in the event of a claim. Another effective strategy is to shop around and obtain quotes from multiple insurance providers, as rates can vary significantly be...
Finances and... Compound Interest Pt 2
October 26, 2023 07:00 - 8 minutes - 6.08 MBCompound interest is a fundamental financial concept that has a profound impact on personal finance, investing, and wealth accumulation. By revisiting this topic, I can help you gain a deeper understanding of how compound interest works, how it can be harnessed to build wealth over time, and the importance of long-term financial planning. Sharing practical tips, real-life examples, and strategies for maximizing the benefits of compound interest can empower you, the listener, to make more inf...
Finances and... Gifting Inheritance
October 17, 2023 12:00 - 10 minutes - 7.44 MBGifting inheritance before your death is a complex decision that requires careful consideration. First and foremost, it's essential to evaluate your own financial needs and well-being to ensure that gifting assets won't compromise your own financial security. Secondly, tax implications need to be taken into account, as gift taxes may apply depending on the value of the assets being transferred. Additionally, you should think about the emotional and familial aspects of gifting inheritance, as...
Finances and... Make Money Mistakes
October 10, 2023 02:00 - 12 minutes - 8.7 MBFinancial mistakes can be a bit like accidentally using your credit card to pay for a gourmet meal when you meant to order takeout. You start with good intentions, but before you know it, you've overspent on that fancy dessert and suddenly find yourself in a financial food coma. It's like trying to juggle your budget while riding a unicycle on a tightrope – one small misstep, and you might just end up in a financial circus! So, remember, it's essential to keep an eye on your financial plate ...
Finances and... Repair or Replace
September 06, 2023 09:00 - 8 minutes - 6.08 MBWhen faced with the decision of repairing or replacing a malfunctioning appliance, several factors come into play. First and foremost, the age of the appliance is crucial in determining the best course of action. If it's relatively new and the repair cost is minor, opting for a repair is often the more economical choice. However, if the appliance is older, the cost of repairs may quickly accumulate, making replacement a more prudent option, considering the potential energy efficiency improve...
Finances and... Choosing an Advisor
August 31, 2023 09:00 - 11 minutes - 7.61 MBHow do you pick the person you're entrusting your money and future to? Choosing an investor advisor is a critical decision that can significantly impact your financial journey. It's essential to consider several key factors before making your choice, but ultimately, a well-suited investor advisor can provide valuable insights, personalized guidance, and a strategy that aligns with your financial aspirations. Grab your copy of the companion book Finances and… Your Spending Planner Workbook o...
Finances and... Money in Marriage
August 23, 2023 09:00 - 10 minutes - 7.59 MBHow you connect with a partner in a relationship is everything! Actually, it's ALMOST everything. How you connect over money is the final piece. Knowing how to communicate with each other, whether you both bring income into the marriage or not, will help avoid the biggest cause of divorce. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTub...
Finances and... Kids and Credit Cards
August 14, 2023 02:00 - 12 minutes - 8.67 MBIt's tempting to give our kids credit cards nowadays, but is it a good idea? There are risks but there are also some big rewards. Listen and find out if you, and your child, is ready. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well. Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provi...
Finances and... Compound Interest
August 03, 2023 20:00 - 11 minutes - 7.93 MBWhat is compound interest and how does it affect your finances? Using compound interest in savings means you will see your money grow much more quickly, but having it applied to what you owe, means you'll end up paying a lot more for what you bought. Find out how to use it to your advantage and avoid it when you can. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watc...
Finances and... How many credit cards should you have?
July 25, 2023 22:00 - 12 minutes - 8.48 MBHave you thought about how many credit cards you should have? Will it hurt your credit score or help? What are the benefits to more than one card? Listen and see what may be best for you! Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well. Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can p...
Finances and... Banks vs. Credit Unions
July 14, 2023 20:00 - 11 minutes - 8.26 MBWhat are the differences between banks and credit unions? The answer is in the services that they can provide and the interest rates that can charge. Find which is better for you. The answer is maybe both! Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well. Seeking financial counsel? Check us out at Capitalcoaching.net an...
Finances and... Rewire for Wealth
July 01, 2023 22:00 - 13 minutes - 9.34 MBIn this episode I share the book Rewire for Wealth: Three Steps Any Woman Can Take to Program Her Brain for Financial Success. The author shares her own journey to financial freedom by uncovering her own beliefs about money and reprograms her thinking to gain financial confidence. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel...
Finances and... Pension Funds
May 31, 2023 02:00 - 11 minutes - 7.74 MBDo you have pension fund and are not sure what you get? Are you wondering if taking a job that offers one is worth it? I go over defined benefit plans as well as defined contribution plans like 401(k)'s and 403(b)'s. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well. Seeking financial counsel? Check us out at Capitalcoac...
Finances and... Your Health
May 16, 2023 22:00 - 12 minutes - 8.57 MBChances are good you'll be spending money on doing things to stay healthy or spending it when your health starts to fail, which would prefer? It seems like a "no brainer" but how many of us need to start moving more and eating less? Listen in for the cost of no being healthy. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as w...
Finances and... the Dark Web
May 02, 2023 00:00 - 12 minutes - 8.91 MBHow can you protect your finances from being sold on the Dark Web? What is the Deep Web, should you be worried about that as well? Listen and find out how to keep your data and money safe. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well. Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can ...
Finances and... Are You Ready to Buy a Home?
April 21, 2023 23:00 - 9 minutes - 6.33 MBIt may seem that you can afford the monthly payments of owning a home, you are already paying rent, but the reality is there is so much more to owning vs. renting. Are you ready? Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well. Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide fi...
Finances and... Talking to Your Parents About Money
April 11, 2023 03:00 - 12 minutes - 8.92 MBWe don't always realize how our roles will change within our family. As adult children we will eventually need to be counselors to our parents and our children at the same time. If you're not sure how to talk to your parents about money and their care, listen in. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well. Seeking...
Finances and... Hoarding
April 04, 2023 19:00 - 9 minutes - 6.66 MBHoarding can be extreme, as documented on A&E, or just buying too many things that you need to manage. Whether it's buying more than you actually need, storing more than you can at home, or paying more to have items that don't bring you joy, hoarding costs you money and you CAN take control of it. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on m...
Finances and... Your Spending Plan Workbook
March 13, 2023 03:00 - 12 minutes - 8.77 MBHave you struggled to get your spending plan going? Worried you'll leave something out? I break down what's included in a through plan and explain how each component supports your long-term goals. I also have my own planner for sale now here, Finances and... Your Spending Planner Workbook, you can order yours now. ON SALE NOW! $17.99 Grab your copy of the companion book Finances and… Your Spending Planner Workbook here to keep track of your spending, net worth, and plan for your future! Se...
Finances and... Your Spending Planner Workbook
March 13, 2023 03:00 - 12 minutes - 8.77 MBHave you struggled to get your spending plan going? Worried you'll leave something out? I break down what's included in a through plan and explain how each component supports your long-term goals. I also have my own planner for sale now here, Finances and... Your Spending Planner Workbook, you can order yours now. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch t...
Finances and... A New Relationship
March 07, 2023 02:00 - 11 minutes - 7.64 MBA new relationship is exciting! So when is the right time to talk about finances and how do you bring it up? Listen for questions you can ask and things to consider as your relationship matures. It's crazy to think that discussing finances is so taboo when in reality, it needs to be one of the first conversations if you want to have a successful, long-term relationship. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spendin...
Finances and... Lifestyle Creep
February 27, 2023 03:00 - 10 minutes - 7.21 MBLifestyle creep is an insidious way that we start to spend more and save less. We allow our new found earnings to be spent without thought to planning or retirement. This "creep" turns wants into needs and ultimately we spend more than we have. Listen for tips on how to stop some of this spending. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on m...
Finances and... the SECURE Act 2.0
February 20, 2023 05:00 - 12 minutes - 8.38 MBThere are some great new improvements available to tax payers in the form of the SECURE Act 2.0. Find out how you can benefit from the delayed required minimum distributions, 529 rollovers, and how your employer can contribute matching funds to your retirement plan even if you are not because you have education debt loans. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You c...
Finances and... the Savings Challenge
February 07, 2023 03:00 - 9 minutes - 6.4 MBDo you need a push to start saving more? Would a challenge be just what you need to make it happen? Listen to these fun saving ideas and start putting little more away each month. Thanks to Clever Girl Finance, Experian, and Mom's Money Map for these ideas! Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well. Seeking fina...
Finances and... Parent PLUS Loans
January 30, 2023 01:00 - 9 minutes - 6.69 MBHave you considered a Parent PLUS loan for your child's college loan? What are the benefits and risks? Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well. Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at finance...
Finances and... Early IRA Withdrawals
January 23, 2023 02:00 - 9 minutes - 6.38 MBIRA's are tempting targets for raiding when you feel like you need money, because there can be a big balance, and retirement seems SO FAR AWAY! This can be a huge mistake. Make sure you know what you're getting into before making that withdrawal. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well. Seeking financial counse...
Finances and... Donations and Profits
January 09, 2023 02:00 - 9 minutes - 6.87 MBDonating items are a great way to help your community, your tax debt, and clear out your home. However, not all donation centers are the same. Listen and see if the items you've dropped off, or put out, have the same impact at each donation company. You may be surprised. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well...
Finances and... 2023 Financial Reset
January 02, 2023 04:00 - 10 minutes - 7.53 MBEveryone should take some time to evaluate how last year went financially. Make a plan to evaluate what you have accomplished and what still needs to be done. I remind you what you should be reviewing and offer suggestions on how to make your finances stronger in 2023. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well. S...
Finances and... Company Stock Options
November 09, 2022 02:00 - 9 minutes - 6.32 MBCompanies offer stock options to employees as a way to suppliment their salary without having to pay more in bonuses. Find out how you can benefit from them and understand how they work by listening to today's episode. Grab your copy of the companion book Finances and… Your Spending Planner Workbook on Shopify to keep track of your spending, net worth, and plan for your future! You can watch these episode on my YouTube channel as well. Seeking financial counsel? Check us out at Capitalco...
Finances and... State Taxes (when you live and work in different states)
October 26, 2022 00:00 - 8 minutes - 6.1 MBWhat are the tax implications when you live in line state and work in another? While most states have a marginal tax rate, some states charge a flat tax and others don't have a state income tax at all! Listen and see how it may affect you and find out how you file? Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to ...
Finances and... 2022 Holiday Gift Giving
October 17, 2022 02:00 - 8 minutes - 5.8 MBWhat are some strategies you can use to maximize your gift giving this season with looming inflation? Are tangible items all your gifting, if not, how do you know if your money will be used for a true non-profit? Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review. W...
Finances and... Making Financial Choices - Mind Over Money
October 12, 2022 02:00 - 12 minutes - 8.96 MBHow do we make financial decisions and are we making good ones? What causes us to react to situations rather than respond with a cooler head? Here are some ideas from the book Mind Over Money by Brad and Ted Klontz and how to avoid making the same mistakes over and over. Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going...
Finances and... Listener Questions #5
September 27, 2022 02:00 - 9 minutes - 6.73 MBDid you know there is a website for each state that is there to return lost money to you? Listen and go search yours! Don't let a budget scare you, start a simple one and at least see what your situation is. Virginia is returning money to 2021 tax payers on October 31, see if you qualify, and finally what is a home appraisal and with growing interest rates, what do they mean now? Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching w...
Finances and... Prepared Meal Plans
September 19, 2022 01:00 - 8 minutes - 5.55 MBHave you ever wondered about the meal plans they offer? You get a box with food and the recipes for specific meals, then you make them and enjoy. Is this service for you? Do you have special dietary needs? There is probably a kit for you. The big question is, are they affordable or will they break the budget! Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and le...
Finances and... Trade School & Careers
September 01, 2022 02:00 - 9 minutes - 6.56 MBShould you consider a trade school instead of college? What type of income do they really earn? There are so many benefits to pursuing your passion, this may be one of them! Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review. Want to start your own podcast? Check out...
Finances and... RV Living
August 24, 2022 01:00 - 10 minutes - 7.08 MBHave you ever considered buying an RV or travel trailer? Here some things to consider before jumping into this big investment, because the costs are high; but so are the rewards! Listen in and see if it's for you? Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review. W...
Finances and... No Spend November
August 15, 2022 01:00 - 8 minutes - 6.02 MBHave you tried a no spend month? November is one that many people have used as a start to improving their nest egg. Here are some tips to get you started on increasing your savings. Here is the Geico No Spend Planner! Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a revi...
Finances and... Writing Your Retirement Plan
July 30, 2022 10:00 - 8 minutes - 6.18 MBHow should you be planning for retirement? One step is to start making written plans for how much you will need and what you plan to do once retired. This plan should be reviewed annually, so let's get started now! Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review. ...
Finances and... Increasing Your Wealth
July 09, 2022 10:00 - 14 minutes - 9.72 MBWhat are some ways you can make better money choices? How can you use what you have now to still reach your financial goals? This episode covers ways to increase your wealth for your future. Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review. Want to start your own p...
Finances and... College Loan Scams
July 05, 2022 03:00 - 10 minutes - 7.09 MBHow do you apply for college loans, or refinance ones you have already, without falling victim to scammers? This can be one of the most frustrating times, so listen and be alert to those who just want to take your money, not help you finance your or your child's education. Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by goi...
Finances and... Interest Rate Hike
June 27, 2022 03:00 - 9 minutes - 6.55 MBHow does the rising interest rate hurt and help you right now? What actions should you take to make it a better situation for you and what should you not do? Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review. Want to start your own podcast? Check out Buzzsprout he...
Finances and... Inflation Hedges
June 13, 2022 13:00 - 8 minutes - 6.14 MBWhat are some ways to save money when prices are skyrocketing? I make suggestions for gas, food, and investing savings that will help keep YOUR money in YOUR bank account! Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review. Want to start your own podcast? Check out B...
Finances and... Airbnb's
June 06, 2022 04:00 - 9 minutes - 6.91 MBWhat would it take to make money on Airbnb? How do superhosts get that status and make so much money? Listen as I provide tips for making your room or home into a profitable spot that will pay your mortgage for you. Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review....
Finances and... Tax Return Errors & Consequences
May 16, 2022 02:00 - 7 minutes - 4.88 MBWhat will happen if you don't pay your taxes or if you don't file? What if you make an error in filing? The consequences can be hefty penalties or even losing you license! Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review. Want to start your own podcast? Check out...
Finances and... Inherited IRA's
May 09, 2022 04:00 - 7 minutes - 5.08 MBHow do inherited IRA's differ from one you set up yourself? What if the decedent was your spouse, how does that change the requirements? Listen and see how your taxes could be effected. Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review. Want to start your own podca...
Finances and... Wants vs. Needs
May 02, 2022 04:00 - 10 minutes - 7.52 MBHow do you decide what you want versus what you need? Do you ever feel like you confuse the two? Will getting all you want now make your retirement and long term care possible? Listen for some ideas on how to have both, but it won't be easy! Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and...
Finances and... Money and Your Family
April 25, 2022 12:00 - 10 minutes - 7.49 MBHow has your family impacted your financial choices and how do you impact your children's? We carry, and share, our own financial belief system and sometimes it's not what they need. Find out how can we support and educate our families in a meaningful, positive financial way. Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by ...
Finances and... Your Financial Paper Trail
April 18, 2022 04:00 - 7 minutes - 5.2 MBWhat information will you need to provide for your loved ones after you're gone? How can you make your passing easier for them? Listen and compile a list of accounts, passwords, and where to find them for your family or encourage them to create one for you before they pass. Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch. You can share your ideas at financesand.net and leave a review at Apple Podcasts by ...