Goldstein on Gelt
541 episodes - English - Latest episode: 18 days ago - ★★★★★ - 30 ratingsThe Goldstein on Gelt Show is a global investment and financial planning radio show designed to educate and entertain its listeners with financial strategies and investment tips. Douglas Goldstein, CFP® hosts the weekly show, which can also be heard at www.goldsteinongelt.com, and is the director of Profile Investment Services, Ltd., www.profile-financial.com.
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Episodes
How to Make the Right Decision about Renting or Buying a Home
January 03, 2017 19:35 - 25 minutes - 23.5 MBDeciding between renting or buying a home is a difficult calculation. How can we balance the quality of life with financial risk? Doug deals with this issue on today’s show when he answers a listener’s question on how much money he should invest in buying an apartment. There are many advantages and disadvantages with renting or buying a home. Find out what all the considerations are, including the common pitfalls of buying a home. Takeaway: it depends on balancing today’s quality of life agai...
Who Should Win the Nobel Prize in Economics?
January 03, 2017 19:33 - 26 minutes - 21.5 MBShould the Nobel Prize in Economics be given to the person who can discover a way to invest for maximum return but little risk? Can you invest for a maximum return and with a conservative stance? Doug examines both of these concepts on this week’s show, giving advice on how to make smart investment choices. Listen to the whole show to get a link to a video clip (free) that can help you determine the proper asset allocation model for you. Today’s guest, Professor John Palmer of the University ...
Do Long-Term Investors Need to Worry About the Economy?
January 03, 2017 19:29 - 27 minutes - 22.3 MBMany investors are concerned about the economy's prognosis. Is there an investment that can withstand economic turmoil and provide returns for investors? Exchange-Traded Funds (ETFs) are popular among investors and professionals. On today's show, find out what ETFs are and learn: What are the underlying assets within ETFs? How do they trade? What are the costs involved? Professor Donald J. Boudreaux of George Mason University explains why he is optimistic about the economy despite a...
Why Energy Efficiency Needs to be Important to You
January 03, 2017 19:25 - 25 minutes - 20.1 MBIs the recent market volatility a sign of hard times ahead? It depends who you ask. Some experts say the market's recent decline is a buying opportunity, while other analysts see it as the beginning of a bigger decline. Doug analyzes the options and shares the opinions of analyst Andrew Roberts (Royal Bank of Scotland) and previous Goldstein on Gelt guest Kimberly Foss. How should their forecasts affect you and your investments? While analysts debate whether recent market swings makes an effi...
How to Balance your Budget and Cover your Expenses
January 03, 2017 19:23 - 26 minutes - 21.2 MBWhat happens if you have several children and many expenses to cover? Even if you work hard, the bills can seem never-ending. In today’s show, Doug answers a listener’s question on how to balance your budget and pay the bills. Learn 3 ways to help reduce debt and spend less money so that your paycheck lasts until the end of the month. Professor Aaron Ciechanover of the Technion–Israel Institute of Technology in Haifa, winner of the 2004 Nobel Prize in Chemistry, talks about the ubiquitin syst...
What You Need to Know about Personal Finance in Israel
January 03, 2017 19:21 - 25 minutes - 23 MBComprehensive financial planning includes cash-flow, investments, and insurance. Are you properly insured? Doug answers a letter from a listener who asks about private insurance policies. How can you determine the most appropriate insurance policy, and make sure your pension plans are properly set up? Don’t forget the legal implications of your financial planning and insurance decisions. Veteran lawyer Ely Rosenzveig explains the legal pitfalls of retirement planning, why women have different...
How to Build Your Savings and Invest an Inheritance
January 03, 2017 19:18 - 25 minutes - 20.4 MBWhat is the best way to invest an inheritance so that its value can grow? Doug answers this question as well as giving tips on how to save money by automating your savings. And today’s guest is legal expert Timothy Sandefur. Find out what the status of “eminent domain” is and if local governments are abusing the power they have to confiscate land and property. Should you invest in real estate if the government could take it away? Follow Timothy Sandefur’s work at the Goldwater Institute here...
Need More Time? How to Do More in Half the Time
January 03, 2017 19:16 - 20 minutes - 16.2 MBMarket volatility leads many investors to make a big mistake when planning their finances. Learn how to avoid the most common investing mistakes. How can you make time work to your advantage, both in your investment portfolio and life in general? In today’s interview, Jeff Sutherland, former fighter pilot and author of Scrum: The Art of Doing Twice the Work in Half the Time, shares his unique model for achieving goals quickly and efficiently. Apply this model to personal finance, and get tips...
How to Manage Your Money and Deal With Market Uncertainty
January 03, 2017 19:14 - 25 minutes - 20.4 MBIs it best to manage your money by yourself or to use a money manager? Today’s show discusses money managers: how can you measure a money manager’s success? Would you be better off buying an index fund? One of the biggest worries that investors have is market uncertainty. David D. Holland, radio host, author, and financial planner, returns to The Goldstein on Gelt Show to talk about the factors that cause fluctuations in the markets. How does the energy industry affect the economy, and what a...
Why You Don't Need to Be Scared of Market Volatility
January 03, 2017 19:11 - 27 minutes - 21.9 MBDoes investing in rental property lower the risks posed by market volatility? Doug discusses the advantages and disadvantages of investing in the rental property market in the United States. Renting out a property involves challenges, such as finding responsible tenants, handling repairs, adhering to building and safety codes, and much more. Find out how to invest in property without all the hassles of being a landlord by purchasing a REIT (real estate investment trust). Are you worried about...
What Will Happen to Your Money If You Suffer from Dementia
January 03, 2017 19:07 - 18 minutes - 14.8 MBWho will control your finances if you lose your ability to make decisions? Many senior citizens suffer from memory loss, dementia, and other cognitive disorders as they age. The Alzheimer’s Society recently issued a report about the vulnerability of dementia sufferers to financial abuse and the need to protect them. Today’s show is devoted to aging and finance and what to do if you, your spouse, or your parents suffer from any health issues that affect their ability to make wise financial dec...
Do You Need to Worry When Oil Prices Change?
January 03, 2017 19:05 - 17 minutes - 14.1 MBHow do dropping in oil prices, economic changes in China, and inflation affect your financial plan? What is the best way to respond to market volatility? On today’s show, Doug discusses what causes market fluctuations, and what economic changes really mean for your financial plan. Also, sample the new financial podcast "4-Minute Money Ideas" This financial podcast is the audio version of Doug's articles in The Jerusalem Post. Today’s discussion is about "What Should You Do When You Get an Inh...
How to Invest When There’s a Strong Dollar
January 03, 2017 19:04 - 26 minutes - 20.8 MBWhat is the best way to invest when there is a strong dollar? In today's show, Doug answers a listener's question about the best way to invest when there is a strong dollar and you are an American citizen living abroad. Learn the difference between "reference currency" and "living currency." Does the U.S. government possibly discriminate against its citizens who live overseas? Read this article about the tax reporting obligations of Americans living abroad. Today's guest, Mark Divine, a forme...
Should You Be Afraid of Rising Interest Rates?
January 03, 2017 19:02 - 27 minutes - 21.7 MBDon’t get carried away by rising interest rates. Instead, consider the impact of interest rates on your retirement plan. Doug reviews fundamental points about retirement planning and how to make sure your money is there for you when you actually need it. How should rising interest rates affect the way you handle your investments? Money manager Chris Cogswell returns to The Goldstein on Gelt Show and discusses what happens in a rising interest rate environment. Chris also explains how high fre...
Can Math Make You a More Successful Investor?
January 03, 2017 18:58 - 24 minutes - 22.6 MBDoes being a successful investor influence your retirement age? Find out about the advantages and disadvantages of early and late retirement. Learn about claiming Social Security and the connection between Social Security payments and Bituach Leumi (Israeli National Insurance) pensions. Is there a simple mathematical formula to guide you towards the right decision on when to retire or how to invest for success? Today Doug speaks with mathematician Professor John Allen Paulos of Temple Univers...
Do You Have the Right Amount Of Money in Retirement Savings?
January 03, 2017 18:54 - 19 minutes - 15.3 MBThe average retirement savings of American families is $95,776. At first, this sounds like a hefty sum, but there is more to the number than meets the eye. Since it’s the average retirement savings, it doesn’t reflect the fact that nearly half of American families have no retirement account savings at all, and the median — 50th percentile — family has just $5,000 saved. Today’s show gives practical tips on how to save for your retirement, with an eye to increasing your retirement savings. Ret...
Are Rising Interest Rates Good for Your Investments?
January 03, 2017 18:48 - 20 minutes - 48 MBRecent reports indicate that the Federal Reserve is expected to raise interest rates again this year. What effect will this have on individual investors and your investment portfolio? On today’s show, Doug discusses interest rates, their significance, CDs, and a bank deposit that may have a higher than average return. Listeners wanting to learn more on the topic can click here. In the second half of the show, annuity specialist Stan Haithcock dissects the myths behind the advertisements and e...
How to Discuss Estate Planning With Your Parents
January 03, 2017 18:37 - 24 minutes - 55.1 MBEstate planning is a critical part of financial planning. While many folks focus on retirement planning, it is equally important to spend time thinking about what happens to your assets when you no longer need them. Today Doug shatters the taboo of talking about estate planning and details what you need to do in planning your estate. What documents do you need, and with which professionals should you consult? For more about planning your estate, read Why Your Investments Must be Different Fro...
What You Need to Know About Choosing a Financial Advisor
January 03, 2017 18:25 - 23 minutes - 53.6 MBWhat should you take into consideration when choosing a financial advisor? When choosing a financial advisor, you must understand what his role is in helping you manage your money. Will he look at your investments on a daily basis? Who will make trading decisions? What does your financial advisor need to know about you, and what do you need to know about him? A good financial advisor will make sure that you understand your investment goals. Are you trying to get rich or to avoid being poor? A...
Can Today’s Markets Be Compared to the Great Depression?
December 31, 2016 00:53 - 23 minutes - 54.3 MBShould today's turbulent markets be compared to the Great Depression of the 1930s? Author and economist, Dr. Lawrence W. Reed explains how Roosevelt’s policies caused the economic collapse to last much longer than it should. Listen to him explain how today’s politicians may be leading us down a similar path. Follow Lawrence W. Reed and his work on https://fee.org and on Twitter: @lawrencewr Also on today’s show, Doug discusses ETFs. Why would an investor sell stocks and invest in ETFs? What a...
How to Overcome Your Bad Habits in Three Easy Steps
December 31, 2016 00:50 - 22 minutes - 52.3 MBBad habits can cause more harm than you realize. Peter Bregman, best-selling author of Four Seconds: Four Seconds: All the time you need to stop counterproductive habits and get the results you want, explains how to overcome bad habits. Learn 3 steps you can take to improve bad financial habits and become a better investor and a happier person. Find out more about Peter Bregman and his work at: www.peterbregman.com Follow him on Twitter: @peterbregman Are you an American citizen contemplating...
What You Need to Know About the Safety of Online Banking
December 31, 2016 00:48 - 22 minutes - 51.9 MBHow safe and efficient is online banking compared to brick and mortar banking services? Martin Saidler, CEO and founder of Centralway, a company that develops mobile banking solutions, discusses the safety of online banking and the future of banks. Follow Martin Saidler at: https://www.centralway.com In the world of online banking what role do brokerage houses play? Find out what Doug told a South African listener, who is planning to move to Israel, about how to handle his finances when makin...
What is the Best Way to Invest an Inheritance?
December 31, 2016 00:45 - 21 minutes - 50.2 MBIf you receive an inheritance, what is the best way to invest it – to pay off debt or put into savings? Follow a six-step plan for updating your portfolio to make the best use of an inheritance. When deciding on specific investments, is academic research helpful? According to Dana Anspach, CFP®, of Money Over 55, the answer is no. This is because often academics focus on a niche topic, whereas financial planners can see the complete picture. Follow Dana Anspach’s work at: http://moneyover55.a...
What is the Role of Venture Capital in a Growing Economy?
December 31, 2016 00:43 - 23 minutes - 53.5 MBYair Shamir, former agriculture minister and founder of Catalyst Investments, discusses how venture capital aids new technologies and boosts the Israeli economy. Shamir is chairman of MTA – Metropolitan Mass Transit System, which is building a new public transportation system in Tel Aviv. Shamir explains how this system will revolutionize life not only in the city, but Israel’s central region’s economy. Learn how to approach your personal investments like a venture capitalist, and make sure y...
What Do Unemployment Figures Really Mean?
December 31, 2016 00:42 - 25 minutes - 57.4 MBPoliticians often quote unemployment data, especially around elections, in order to gain votes. But what do these figures mean? Does the term “unemployed” refer to everyone who doesn’t have a job, including students and stay-at-home mothers, or only to those who are jobless but are actively seeking work? Professor David Howden of St. Louis University (Madrid campus) defines unemployed and explains how to interpret this data. Also on today’s show, is a discussion of mutual funds and discusses ...
How to Avoid the Most Common Mistakes When Getting a Divorce
December 31, 2016 00:37 - 22 minutes - 52.6 MBDivorce splits the family’s finances into two. Sometimes the two halves aren’t exactly equal. Financial expert Peter Dunn discusses the most common money mistakes that arise during divorce: Is to worth fighting to keep the house? What should you do about your insurance policies? What is the best way to get up to speed with financial issues if your soon-to-be-ex was in charge of the family’s finances? Divorce is not the only emotionally fraught life change where there is a great potent...
What You Need to Know About Estate Planning When You Have Non-American Heirs
December 31, 2016 00:34 - 25 minutes - 57.7 MBEstate planning becomes more difficult when an American has non-American heirs. Listen to this financial podcast to find out about the most useful tools for cross-border estate planning, which strategies may be available to you, and what you need to know if your heirs are not U.S. citizens. Financial and estate planning is difficult enough for individuals; imagine how much more challenging it is for countries planning their budgets. Governments also seek strategies to prevent future economic ...
What is the Truth About Financial Equality for Women?
December 31, 2016 00:28 - 24 minutes - 55.8 MBDoes financial equality really exist for women? Financial advisor Cary Carbonaro, best-selling author of The Money Queen’s Guide: For Women Who Want to Build Wealth and Banish Fear, reveals that women are still far from being financially equal to men. Generally, women live longer than men but work for a total of fewer years, for lower salaries, and as a result they tend to accrue two-thirds less savings than men. Find out how women can improve their financial situation and what they should do...
How to Make an Effective Financial Decision
December 31, 2016 00:20 - 27 minutes - 62.1 MBWhat are the skills you need for making the right financial decision? Gary Belsky, CEO of Elland Road Partners and author of Why Smart People Make Big Money Mistakes and How to Correct Them, shares techniques for making effective decisions. Who is the best person to brainstorm and deliberate with about your financial decisions? What should you do if there is no one to talk to? When investing your money, don’t forget about the power of compound interest. Learn about compound interest, and how ...
This is What You Need to Know When Filing Taxes From Israel
December 31, 2016 00:10 - 24 minutes - 57.1 MBEvery U.S. citizen, even if resident abroad, has an obligation to file American taxes. This law applies even if you don’t owe anything. Veteran U.S. accountant and tax advisor Philip Stein explains what your tax obligations are to the IRS as a U.S. citizen living abroad. Find out what you need to report, what happens with Israeli retirement accounts and your keren hishtalmut. How much information does the IRS require from Americans who are resident overseas? Does your retirement planning incl...
What's the Best Way to Deal With Market Volatility?
December 31, 2016 00:08 - 26 minutes - 18.7 MBMarket volatility is affected by current events. What’s an investor’s best response to unexpected headlines? Financial advisor Joe Saul-Sehy returns to The Goldstein on Gelt Show to talk about what to expect as financial markets react to the upcoming U.S. elections. Roger Whitney, “The Retirement Answer Man,” joins host Douglas Goldstein, director of Profile Investment Services, Ltd., to discuss the most common financial mistakes that people make. Learn the best way to work with your spous...
What’s the correlation between financial security and self-confidence?
December 31, 2016 00:03 - 26 minutes - 60.1 MBEveryone wants financial security. Interestingly enough, one of the biggest indicators of financial success doesn’t deal with numbers at all. How does self-confidence affect the way women deal with personal finance? Financial podcaster and money counselor Jen Hemphill explains why financial struggles are frequently caused by a lack of self-confidence. Why do stay-at-home mothers often feel guilty about not earning money, even though they are doing an important job? As the American presidentia...
Why Do People Invest in the Airline Industry?
December 30, 2016 23:59 - 26 minutes - 60.6 MBIf you’re thinking of investing in the airline industry, what do you need to know? Seth Kaplan, managing partner of Airline Weekly and author of Glory Lost and Found: How Delta Climbed from Despair to Dominance in the Post-9/11 Era, explains how Delta Airlines reinvented itself and came back from its 2005 bankruptcy declaration. Find out the factors you should take into account if you are considering investing in an airline and what it takes for an airline to be profitable. What are the secre...
How Much Money Should You Save For Retirement?
December 30, 2016 23:53 - 24 minutes - 56.5 MBHow much money do you need to save for retirement? Labor economist Teresa Ghilarducci, author of How to Retire With Enough Money: And How to Know What Enough Is, explains how to make this decision, based both on rules of thumb and your personal situation. Find out how to avoid the most common mistakes that people make when planning for retirement. Doug Goldstein, CFP®, talks about withdrawing from your retirement savings. Learn about the adverse results of not taking “required minimum distrib...
Why Organizing Your Paperwork is So Important
December 30, 2016 23:50 - 28 minutes - 64.6 MBAn important, yet neglected, aspect of financial success is organizing your paperwork. Melanie Cullen, author of Get It Together: Organize Your Records So Your Family Won’t Have To, explains why organized paperwork helps you manage your finances efficiently. Find out the best ways to organize your information and why storing it in the cloud is not always the best idea. After your paperwork is organized, and you can see your financial situation clearly, it’s easier to think about retirement pl...
How to Avoid The Pitfalls of Estate Administration
December 30, 2016 23:47 - 27 minutes - 63.4 MBEfficient estate administration minimizes the amount of time it takes heirs to receive an inheritance. Estate expert Peggy Atkins Munro, author of Estate and Trust Administration for Dummies, explains the basics that everyone should know when dealing with an estate, whether it is preparing your own estate or an inheritance. Find out the difference between a will and an estate plan and why both are important. In addition to estate planning, it is also important to pay attention to your invest...
What Should You Do If You Get a Sudden Cash Windfall?
December 30, 2016 23:43 - 29 minutes - 67 MBWhat’s the first thing you should do if you receive a sudden windfall, such as an inheritance, legal settlement, or bonus? Robert Pagliarini, president of Pacifica Wealth Advisors and author of The Sudden Wealth Solution: 12 Principles to Transform Sudden Wealth Into Lasting Wealth, gives advice on how to take control of the situation. How do you get proper financial help and guidance, and how should you deal with people who want a slice of your newfound wealth? Most of us accrue wealth not t...
Instructions on How to Turn Failure Into Financial Success
December 30, 2016 23:33 - 32 minutes - 75.4 MBCan an investment failure ultimately lead you to financial success? Yahoo Finance columnist Rick Newman, author of Rebounders: How Winners Pivot From Setback to Success, talks about how to rebound from a loss. Find out how to determine whether you should quit and minimize your losses or ride out a difficult situation till the end. Instead of being afraid of failure, use it as a learning tool. Doug Goldstein, CFP® talks about the upcoming U.S. presidential elections and how their influence on ...
Are You Satisfied With Your Financial Education?
December 30, 2016 23:20 - 25 minutes - 20.4 MBSince schools don’t make financial education a required subject, many people grow up not knowing how to manage their financial affairs. Andrew Fiebert, host of the Listen Money Matters podcast, explains the best ways you can learn about personal finance and how to manage your money. Find out how to avoid the most common financial mistakes and better your personal financial education. When should you sell your investments? How do you know when to sell a stock? If you sell it when it is profita...
Why It's Important to Be a Disciplined Investor
December 30, 2016 23:17 - 26 minutes - 21.5 MBBeing a disciplined investor is an important character trait of successful investors. Andrew Horowitz, CFP®, author of The Disciplined Investor: Essential Strategies for Success explains the necessity of self-discipline when investing. What is the best way to deal with media frenzy, risk, and drama in the markets? Being a disciplined investor is more than watching the markets. It also plays into how you discuss financial concerns with your spouse and teach money to your children. Show host Do...
Financial Fitness and How to Stop Stressing About Money
December 30, 2016 23:09 - 28 minutes - 22.5 MBFinancial fitness isn't only about staying within your budget and savings. It's also about monitoring your stress level on financial issues. Shannon McLay, founder of The Financial Gym, discusses financial health and why every individual needs their own personal "diet" and "workout". Find out why it's important to work on your money habits while you are still young. Should you sell your house when you retire? Doug Goldstein, CFP®, answers the question of whether it's a good idea to sell you...
Do Your Money Values Clash With Your Conscience?
December 30, 2016 23:02 - 26 minutes - 21.1 MBHow much of an influence should your personal beliefs have on your money values and choices? Patricia Aburdene, author of Conscious Money: Living, Creating, and Investing with Your Values for A Sustainable New Prosperity, explains why making financial choices in accordance with your conscience may help you become a better investor. Find out what "conscious money" is and why doing a value review should be an important step in deciding how you invest. What happens if you are "retirement rich" b...
How to Avoid Mistakes When Trying to Save Money
December 30, 2016 22:57 - 24 minutes - 19.7 MBTrying to save money is never easy, but you can save more when you avoid common mistakes. Professor Ofer Azar of Ben-Gurion University explains what the most frequent money mistakes are. Find out why people scramble to save on smaller purchases rather than to save larger sums on bigger ticket purchases. Should you invest in your home country or abroad? While it might seem best to invest in your home country because you are familiar with it, investing abroad and geographic diversification may ...
Is the U.S. Economy About to Crash?
December 30, 2016 22:46 - 28 minutes - 22.8 MBNow that Donald Trump has won the elections, investors are wondering what may happen to the U.S. economy. Economist Professor Lewis Mandell shares his opinions on the possible effects of the president-elect’s future policies on equity and bond markets, the national debt, and changes in taxation. How might this affect stocks and other investments? Keep your finances in shape Doug Goldstein, CFP®, and guest co-host Shannon McLay, founder of the Financial Gym, give tips and advice on how to...
Can Corporate Social Responsibility Make You More Money?
December 30, 2016 22:38 - 20 minutes - 16.5 MBShould corporate social responsibility be a factor in determining your investment decisions? Devin Thorpe, Forbes columnist and author of Adding Profit by Adding Purpose, explains why a company’s profits aren’t antithetical to social good. He also gives tips on how to identify companies that genuinely do good as opposed to those that promote a false image of social responsibility. Should retirees keep any money in the stock market? According to some opinions, retirees should cash out all of...
Is the Central Banking System on the Verge of Another Crash?
December 22, 2016 09:36 - 29 minutes - 67.9 MBWhy do investors need to know about the central banking system? Have the banks learned anything from the 2008 market crash? Neil Irwin, The New York Times economic correspondent and author of The Alchemists: Three Central Bankers and a World on Fire, discusses whether the economy is on the verge of another crash, the impact of having banks that are considered “too big to fail”, and how the central banking system affects the decisions of individual investors. When planning your investments or ...
What is the Best Strategy for Claiming Social Security?
December 22, 2016 09:35 - 20 minutes - 47.6 MBIf you are an American living in Israel, how do you claim Social Security? Due to a class action lawsuit, the Windfall Elimination Provision (WEP) is no longer applicable to pensioners who receive bituach leumi. However, if you receive another Israeli pension, you may still be affected by WEP. Watch this video, “Are You Getting the Social Security You Deserve,” which will tell you more about how to plan successfully for retirement and avoid Social Security mistakes. You may also be wondering ...
Thinking of Early Retirement? Here's What You Need to Know
December 22, 2016 09:33 - 24 minutes - 19.3 MBConsidering early retirement? At first the idea of this may sound very appealing. But is retiring at a young age possible or even a good idea in your situation? Today's show provides three points to consider when determining the ideal retirement age. The second half of the show looks at planning the future of the younger generation. Cameron Herold, founder of 1-800-GOT-JUNK and author of Double Double: How to Double Your Revenue and Profit in 3 Years or Less, explains why children should be t...
What is the Most Important Part of a Good Investment Strategy?
December 22, 2016 09:32 - 25 minutes - 17.4 MBIf there is one investment strategy that financial professionals agree on, it may be…objectivity. Relying purely on your emotions when making financial decisions can seriously damage your investment strategy. Dr. C. Thomas Howard, co-founder of AthenaInvest, talks about why objectivity should be an important component of your investment strategy. He describes the five emotional triggers that cause the most damage, and why he thinks Modern Portfolio Theory may lead to emotional investing....
Why Frugality Won’t Make You Rich
December 22, 2016 09:31 - 24 minutes - 56.7 MBMany people believe that frugality is the key to getting rich. Self-made multimillionaire and financial podcaster Linda P. Jones disagrees. Listen to her interview on The Goldstein on Gelt Show to find out why being frugal isn’t enough. Linda explains why you should follow the lead of billionaires rather than millionaires when making investment decisions. When considering where to put your money, you need to understand what is “reasonable,” and what rate of return would be a cause for alarm o...