Your Retirement Elevated Podcast with Scott Dougan
136 episodes - English - Latest episode: about 17 hours ago - ★★★★★ - 2 ratingsFinancial and retirement planning guidance from Kansas City‘s Scott Dougan of Elevated Retirement Group. Scott Dougan founded Elevated Retirement Group in 2003 in order to fill a niche he felt was not being addressed properly in the retirement planning environment – helping retirees and pre-retirees in the Kansas City metro area find answers to issues that may affect the quality of life during their retirement. Scott is a Registered Financial Consultant (RFC) and holds a Series 65 Investment Adviser Representative license, which holds him to the fiduciary standard. He also holds insurance licenses in Kansas, Missouri and other states.
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Episodes
Embracing the Unexpected: 9 Retirement Surprises Unveiled
April 18, 2024 09:00 - 25 minutes - 22.9 MBAre you prepared for the unexpected turns your retirement might take? In this episode of Your Retirement Elevated Podcast with Scott Dougan, we explore the surprising findings from a study by the Transamerica Center for Retirement Studies. The study reveals a stark contrast between pre-retiree expectations and retiree realities, and we're here to explore the nine most common retirement surprises that await. One of the most comforting surprises is that many retirees worry less about money th...
Conquer FOBO: Making Decisions with Confidence
April 04, 2024 09:02 - 21 minutes - 19.5 MBEver found yourself endlessly scrolling through options, unable to make a choice? You might be falling into the trap of FOBO: Fear of Better Options. It’s a psychological phenomenon where someone avoids making a decision out of the fear that there may be a better option out there. How can we identify it and work with it and make better decisions and actually get to the decision point? That’s what we want to discuss with Scott today. Here are some...
The Shift from Saving to Spending Money
March 21, 2024 09:02 - 22 minutes - 20.6 MBAre you ready to flip the switch from saving to spending as you approach retirement? Many people struggle with the transition and mindset shift that happens in retirement. In this episode, we’ll explore the delicate balance between money, happiness, and the art of spending wisely in your golden years. It's packed with insights on the psychological shift required to enjoy the fruits of your labor, the impact of past experiences on spending habits, and how to use money as a tool for a better l...
Practical Strategies for Protecting Retirees Against Scams & Fraud
March 07, 2024 09:59 - 27 minutes - 25.3 MBOn today's episode, we're going talk about scams and how they are more prevalent than you might think. In fact, just in 2022, there were more than 88,000 complaints of fraud that resulted in more than $3 billion in losses from people age 60+. Here are some of the questions we’ll tackle in this episode: Why are people aged 60 and over common targets? The top five scams that constitute 65% of the complaints. The ‘Can You Hear Me’ scam that is easy to fall for. What steps can you take ...
With Higher Interest Rates, Is “Lazy Money” Still A Concern In 2024?
February 22, 2024 10:00 - 13 minutes - 12.6 MBIs 'Lazy Money' still a concern in 2024's higher interest rate landscape? In this episode, we explore this question, examining how the recent rise in interest rates affects the money sitting in savings accounts, CDs, and conservative investments. Here's what we discuss in this episode: What are we talking about when we say, “lazy money?” The current interest rate landscape + why people end up with too much lazy money in their portfolio Addressing excess lazy money by calculating a "w...
Peak 65: Preparing for the Largest Retirement Surge Ever
February 01, 2024 10:01 - 25 minutes - 22.9 MBToday's magic number is 65. You know, unlike older retired Baby Boomers, the majority of peak 65ers don't have pensions, which used to help fill that gap left by Social Security. Well, our current retirement system is obsolete. It's time for a new retirement security framework. These were the words of Jason Fitchner, an executive director at the ALI Retirement Income Institute, and it highlights a great conversation that we're going to dive into today. Here are some of the questions we’l...
Biggest Changes for Retirement in 2024
January 18, 2024 10:00 - 20 minutes - 18.9 MBWith inflation adjustments and the phased implementation of the SECURE Act 2.0, there are some important retirement planning changes to pay attention to this year. From potential tax implications on Social Security benefits to alterations in retirement account rules, higher Medicare expenses, increased IRA contribution limits, and shifts in required minimum distributions (RMDs), this episode offers a comprehensive overview of what lies ahead for retirees in 2024. Here’s some of what we d...
Focus on Systems Instead of Resolutions in 2024
January 04, 2024 10:02 - 32 minutes - 29.5 MBHappy New Year! Today we’re tossing the old hat of resolutions out the window, opting for something with a little more staying power: systems. Say goodbye to the fleeting motivation of New Year's resolutions and embrace the profound impact of incremental habits for long-term success in health, wealth, and personal growth. This episode draws on the life-changing principles of Atomic Habits by James Clear and is filled with personal anecdotes, actionable advice, and a practical guide to cultiv...
The 5 Types of Wealth & Why People Chase Only One at the Cost of Others
December 21, 2023 10:01 - 46 minutes - 42.7 MBWhat would you pay to have the freedom to do what you want, when you want, how you want? On today's episode, we're going to talk about the five types of wealth and why people chase only one at the cost of the others. Here are some of the questions we’ll tackle in this episode: Why being a time billionaire might be better than being a dollar billionaire. The importance of protecting your time and what Scott has done to protect his. Physical health and mental wealth go hand in hand. R...
The Ultimate Retirement Planning Mixtape
December 07, 2023 10:00 - 26 minutes - 23.9 MBGet ready to rock to the rhythms of retirement wisdom in this week’s episode! We've put together the ultimate retirement planning playlist, featuring timeless lyrics that reflect various stages of the planning journey. Here’s how we’ll craft the perfect mixtape in this episode: Songs for the early stages of retirement planning, where having a dream is a good place to start. In retirement planning, having a financial professional and your loved ones by your side is crucial. Songs to ...
How To Successfully Climb The Retirement Mountain
November 16, 2023 10:02 - 18 minutes - 16.5 MBReady for an adventure? Think of retirement planning as climbing a mountain. It's not just about the climb up; it's about preparing wisely, tackling the ups and downs, and even planning your way back down. Here’s some of what we’ll discuss in this episode: How to prepare for the climb with careful planning. The climb represents the accumulation phase where you’re actively saving and investing. The goals and milestones that you strive for before reaching the peak. Preparing for the vo...
Latest Updates to Medicare with Cortney Dale
November 03, 2023 14:04 - 24 minutes - 22.6 MBWe’re bringing you a special edition of the podcast today as we welcome Cortney Dale, CEO of Sunflower Insurance Solutions, to lead us through the latest updates on Medicare! She’ll discuss what's crucial for you to know as we approach 2024 and answer common questions that will help you make informed decisions about your Medicare elections in the months and years ahead. Listen in as she breaks down its four parts (A,B,C,D) and how they work together, coverage, enrollment periods, and more! ...
Money Mistakes You’ll Regret and How to Avoid Them
October 19, 2023 09:02 - 20 minutes - 18.9 MBDo you ever wish you could foresee financial missteps before they happen? On today’s episode, we’re going to explore some real-life stories of regret and arm you with the do’s and don’ts to ensure that your money is working for you and not against you. Here’s some of what we’ll discuss in this episode: What it could cost you to pull money out of your IRAs early. People often fall into the trap of ‘lifestyle creep’ and will increase expenses as they make more money. What options do you...
Retirement Planning’s “Hidden” Questions
October 05, 2023 09:02 - 25 minutes - 23.1 MBIn this episode, we’re going to unearth and tackle some of these hidden but essential questions about retirement. We all want to get good answers to our financial questions, but sometimes we have to know the right questions to ask. Here are some of the questions we’ll tackle in this episode: How much are my tax-deferred savings going to cost me in taxes come retirement? How much can I withdraw from my savings each year? Should I still have life insurance when I’m retired? What kind ...
Building An Estate Plan With No Regrets
September 21, 2023 09:00 - 29 minutes - 27.2 MBThere are some people who don’t care at all about leaving a financial legacy, but for those who do, it’s important to eliminate some of the common estate planning mistakes. In this episode, we cover topics ranging from poor expense planning to outdated beneficiary designations and family conflict triggers. We also shed light on some misconceptions about transferring real estate and explain the impact of tax implications on your estate. If you want to leave a legacy without regret or legal t...
Retirement: Ready Or Not, Here It Comes
September 07, 2023 09:00 - 27 minutes - 62.7 MBAre you nearing “retirement age?” If so, let’s explore that pivotal question you’ll soon face: Should you retire or continue working? We’ll unravel the intricacies of this decision, addressing both financial and emotional aspects, and help you find out if you’re truly ready to retire. Here's some of what we discuss in this episode: The concept of retirement has evolved significantly over time, from a time when people worked until the end of their short lifespans to the modern idea of re...
The 2023 Halftime Report with Mike Sorrentino
August 17, 2023 09:01 - 39 minutes - 36.6 MBToday we have a special edition of the show where Scott recently hosted a webinar for his clients and had Mike Sorrentino on to discuss some financial topics that are top of mind for many people right now. This conversation comes in the wake of the midpoint of 2023, sort of a mid-year or halftime report, if you will, and the topics that you're going to hear from this webinar include the housing market, inflation, stock market, and a few predictions for the rest of the year. Here's some ...
5 Key Areas of Your Financial Life
August 03, 2023 13:53 - 28 minutes - 39.5 MBOur whole practice revolves around helping people develop ways to make sure they have everything in order when it comes to these five areas of financial planning. Today we’re going to dive into these and provide a little more detail so that you’ll have a better understanding of what types of conversations we’re having with clients. We’ve also put together this PDF for you that gives you a nice breakdown of all five: https://listentoscott.com/wp-content/uploads/2023/08/5-Key-Areas-PDF-for-W...
Mastering Retirement Cash Flow: Understanding Changing Expenses
July 20, 2023 09:01 - 24 minutes - 22.3 MBIn this episode, we’ll explore many of the expenses in your life that might drastically change (one way or another) in retirement. We’ll break those expenses down further to see which ones are the top priorities and analyze some of the other factors that impact your cash flow in retirement. Here's some of what we discuss in this episode: Breaking retirement down into three phases to better understand spending. (4:49) What are the expenses that change the most in retirement? (8:27) The...
Retirement Rebels: Winning Your Financial Independence
July 06, 2023 09:02 - 22 minutes - 20.5 MBCelebrate the spirit of July 4th with our latest episode as we tackle the concept of Financial Independence. While the American colonists fought for freedom from British rule, we’re here to discuss what you’re striving to be independent from in your retirement. We’ll unveil the common foes you’ll face on the journey. And good news, no muskets are required for these battles. Here's some of what we discuss in this episode: How to get independence from the government. (4:09) How to optimi...
Crash Course: The Psychology of Investing in the Wake of Historic Market Crashes
June 15, 2023 09:00 - 21 minutes - 20 MBHave you ever wondered why you handle money the way you do? It turns out your financial behaviors can be traced back to your formative memories. In this episode, we explore how historic market crashes have left a lasting impact on our relationship with money. We’ll also contrast them with the way more recent crises have shaped our financial views and decisions in the short term. Here's some of what we discuss in this episode: Remembering soaring interest rates in the late 70s, early 80s...
A Comprehensive Dismantling Of 2023’s Top Social Security Myths
June 01, 2023 09:02 - 25 minutes - 23.5 MBIn this episode, we'll be debunking common myths about Social Security and answering the questions you've been curious about. No matter what questions you have about Social Security, we are here to help guide you through this important step in your financial future. Today’s show should give you a pretty good overview. Here's some of what we discuss in this episode: Myth: The Social Security Administration will help you make decisions. (3:49) Myth: You won’t pay taxes on Social Security...
7 Important Streams of Income
May 18, 2023 09:00 - 29 minutes - 27.1 MBYou can’t talk about retirement without talking about income. There are seven streams of income you need to know about. In today’s episode, we’ll break them down for you and help you understand the pros and cons of each one. Join us for a critical discussion on creating a reliable, dependable income source in retirement and discover the importance of having a diversified financial plan. Here's some of what we discuss in this episode: Earned income is the most common type of income. (3:...
Five Facts You Need to Know About FDIC Insurance and Your IRA
May 04, 2023 09:00 - 13 minutes - 12.2 MBThe Federal Deposit Insurance Corporation (FDIC) has been in the news recently as bank failures have made headlines. It's worth noting that the FDIC insures deposits up to $250,000, providing peace of mind to depositors who may be concerned about the safety of their funds. However, you may be wondering if your IRA is also protected by the FDIC, especially in light of recent news coverage. In this episode, we’ll answer your questions about banking, FDIC, IRAs, and more. Stay tuned as we cove...
How Millionaires Invest Their Money
April 20, 2023 09:00 - 22 minutes - 20.4 MBHow do millionaires invest their money? If you’ve ever wondered how they do it, today’s show is for you. From asset allocation to market timing and security selection, we’ll explain how millionaires handle these topics. Here's some of what we discuss in this episode: How do millionaires handle asset allocation? (5:09) Do millionaires time the market? (8:38) How do millionaires diversify their investments? (11:08) Want to connect with us? https://listentoscott.com/ https://elev...
10 IRA Questions to Ask Your Advisor
April 13, 2023 09:00 - 24 minutes - 22.9 MBEntrusting your life savings to a financial advisor requires careful consideration and due diligence, especially when it comes to managing large IRAs. Before handing over your hard-earned nest egg, it's crucial to ensure that your advisor possesses the necessary expertise and experience to handle the responsibility. To help you navigate this, we've compiled a list of ten crucial questions to ask your advisor about IRAs. Here are a few of the questions we’ll highlight in today’s episode: ...
Unpacking the Silicon Valley Bank Collapse
March 14, 2023 13:21 - 25 minutes - 23.1 MBAs you have likely heard, the Silicon Valley Bank collapsed on Friday, March 10th, 2023, after a bank run- marking the largest bank failure in the U.S. in over a decade. With a lot of fear surrounding this topic, we are here to focus on the facts and give you a better understanding of what we know today. Here's some of what we discuss in this episode: What we know about the Silicon Valley bank failure right now (2:57) Unpacking why this SVB crisis happened and what sparked the bank run...
Things Could (Always) Be Better
March 02, 2023 10:02 - 22 minutes - 20.4 MBToday’s show is going to feel like a healing therapy session. We're talking about how things could always be better. From human progress and value to happiness, we’ll cover some fascinating topics today. We are not psychologists or therapists, but we are fascinated by the human mind and the need to improve. It happens in all facets of our lives, but money always seems to drive that desire to want more. Here's some of what we discuss in this episode: How have you made financial decisions i...
Retiring Early? Check Out Scott’s Do’s & Don’ts of 6 Secret Sources of Income
February 16, 2023 10:02 - 27 minutes - 25.3 MBIf you’re thinking about retiring early, you’ll need to take a few extra steps in the planning process because you’ll be facing some additional challenges. But there are ways to navigate this by looking at all of the income options at your disposal. On today’s show, we’ll share Scott’s top do’s and don’ts of six secret sources of come. So much of your success will depend on your income plan and this episode will lay out some ways to get ahead. Here's some of what we discuss in this epis...
SECURE Act 2.0 Webinar & In-Depth Discussion
February 03, 2023 13:42 - 55 minutes - 51.2 MBWe’ve got a special edition of the podcast today, and it’s one you’re going to want to listen to. We’ve already spent some time on this show discussing SECURE Act 2.0 and we highlighted many of the planning opportunities it has created. But this is such an important piece of retirement legislation so we’re going even more in-depth on the subject. In this episode, we are sharing a webinar we hosted about SECURE Act 2.0. And, spoiler alert, we get a little angry about the topic and go in att...
Financial Checklists and Important Birthdays
January 26, 2023 10:00 - 20 minutes - 18.9 MBA new year means many of us are looking for ways to improve our financial lives in 2023. Today we’re sharing a great checklist to give you areas of focus in order to be better prepared financially. If you’re nearing retirement, these are questions you want to think through and have a plan for before you make that transition. We’ll also share some important birthdays for financial planning and make sure you know about the items that will impact you at specific ages. Here's some of what we ...
SECURE 2.0 Act – Retirement Changes You Need to Know
January 20, 2023 10:02 - 33 minutes - 30.4 MBWe’ve gone through all of these different SECURE 2.0 Act provisions, which touch on a range of planning items and dates so that you can really focus on what’s most important. This episode will help you get a better understanding of the changes, how they might impact you, and what planning opportunities you need to be aware of. Here's some of what we discuss in this episode: More changes again to the required minimum distribution ages. (7:16) Elimination of RMD requirements for Roth 401(k...
Mailbag: Mortgages, Dividends and College
December 15, 2022 10:00 - 23 minutes - 21.4 MBIt’s time for another mailbag episode, and we bet these questions (and our answers) will help many of you. This episode could really help if you’re looking to improve your financial situation and prepare for retirement. We will discuss whether to pay off your mortgage, what to do about dividends, and whether to prioritize paying for college or saving for retirement. Listen to hear some of the questions our listeners have, and maybe you’ll gain some valuable knowledge from our answers! O...
End-of-Year Tax Strategies
December 01, 2022 10:00 - 27 minutes - 25.6 MBIt’s time to focus on the end of the year, especially taxes, which are a big topic of conversation. We spotlight this topic every December because it’s just that important. We do a year-end tax event each year and produce a white paper because having the right strategies to limit your tax bill can help reduce some of the anxiety around tax time. Some people stress about doing their taxes. If you’ve ever received a letter from the IRS, you know what that anxiety is like. On this episode,...
Stock Seller’s Remorse
November 17, 2022 10:00 - 18 minutes - 17.3 MBDo you have seller’s remorse? If you sell a stock and then regret it later, this might be you. We love talking about the behavioral side of finances and investing, and today’s show is all about that. The economy and markets have had a rough time this year, so we’ve seen more regret among investors who led with their feelings instead of facts. On this episode, we’ll share: The behavioral side of finances and investing. (1:06) What’s high in terms of historical interest rates? (6:17) How ...
What Can I Control?
November 03, 2022 09:02 - 22 minutes - 20.7 MBWhat’s in your control, what’s outside your control, and how do those things influence your decision-making in your financial life? For instance, inflation is surging, the markets are down, and political warfare is holding strong. But rest assured, there are aspects you are still definitely in control of. We’ll explain how facts and logic are better tools than emotions, myths, misconceptions and misinformation. On this episode, we’ll share: Should you just ignore the things you can’t cont...
Celebrate Our 100th Show With These Memorable Moments
October 20, 2022 09:00 - 24 minutes - 22.6 MBIt’s time to celebrate our 100th episode of Your Retirement Elevated with Scott Dougan! For this milestone episode, we thought we’d mix things up a bit with a look back at some of the best lessons from the past few years of podcasting. Scott’s a great storyteller; it always makes financial planning more relatable when we can tie it into a story about our past or everyday life. So, we’ve gone back through the past 100 episodes, pulled our Top 6 favorite stories, and trimmed each one into a b...
Why You Need a Micro and Macro Tax Lens
October 06, 2022 09:02 - 16 minutes - 15.3 MBThere are a couple different ways to view taxes – through micro and macro lenses. You’ve probably heard of micro and macro economics, but today’s show is all about preparing for tax season. Here’s some of what you’ll learn on this episode: Why you have to consider variables in tax planning. (6:01) Why you need to keep the conversation going about your taxes and how often we should meet. (9:12) Our final thoughts about this crucial topic for your finances. (13:30) Want to connect w...
5 Ways Taxes Can Rise & How to Protect Yourself
September 15, 2022 09:01 - 28 minutes - 25.8 MBThis topic of taxes is such an important one, especially when it comes to retirement, because the more you pay in taxes, the less income you’ll have to spend. By exploring the five ways taxes can rise, we can help prepare you for what might happen and then discuss the ways to protect yourself. Here’s some of what you’ll learn on this episode: Your taxes in retirement could do one of three things. (5:46) What could lead to you changing tax brackets in retirement. (10:00) The possibili...
Income Personalities – Probability vs. Safety-First
September 01, 2022 09:03 - 12 minutes - 11.7 MBWhat is your income personality? Today we’re discussing two types and what they mean – probability vs. safety first. Find out which one you are. Key topics on this episode: 2:36 – Two schools of thought 5:19 – Your preference 7:12 – Risk 8:53 – Optimization planning For more, visit us online: https://listentoscott.com/
The Four Stages of Retirement
August 18, 2022 09:00 - 20 minutes - 18.4 MBToday we’re talking about the four stages of retirement. We want to break it down in an easy-to-understand way to help you prepare for this huge milestone in life. Key topics in this episode: 2:58 – Anticipation 4:27 – Liberation/disorientation 6:21 – Reinvention 10:47 – Reflection/resolution 13:00 – Legacy 15:43 – Personality groups For more, visit us online: http://listentoscott.com
Peanut Butter and Expense Planning
August 04, 2022 09:00 - 14 minutes - 13.1 MBOur entire episode today is based on a meme that says: “You haven’t experienced true heartbreak until you've measured out a single serving of peanut butter.” It can be pretty depressing to see how what 200 calories of peanut butter really looks like, but we’ll tie it all into expense planning. Key topics on this show: 1:45 – Peanut butter 5:54 – Expense planning 8:34 – Itemized expenses 9:36 – Travel and experiences 11:10 – Psychological Read more and get additional resources he...
What are the Pros and Cons of I Bonds?
July 21, 2022 09:00 - 23 minutes - 21.3 MBHave you heard about the new popular investment, I bonds? What are the pros and cons surrounding these bonds and are they the right fit for you? More on I Bonds: https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm Key topics on this show: 1:31 – What kind of questions are we getting? 2:22 – Breaking down the I bond news 4:21 – How should we approach understanding these? 5:32 – How does the return work? 7:08 – What are the pros of I bonds? 8:55 – What are the c...
5 Questions To Determine If Your Financial Plan Needs Further Review
July 07, 2022 09:00 - 22 minutes - 20.5 MBAnytime you meet with a financial advisor, you need to determine if your plan needs more review. On this episode of Your Retirement Elevated podcast with Scott Dougan, we’re sharing the five critical questions you need to ask. Key topics on this show: 3:58 – Vacation now or later 6:17 – Adequate review 9:36 – Tax plan 12:00 – Income and liquidity 13:59 – Risk 15:34 – Heirs Read more and get additional resources here: http://listentoscott.com
The Marshmallow Experiment: The Role of Delayed Gratification In Financial Success
June 16, 2022 09:00 - 14 minutes - 13.3 MBThe ability to delay gratification – people who have this quality are more likely to succeed than any others, according to a study. Today we’ll share how this can help with your financial life. Read more and get additional financial resources here: http://listentoscott.com What we discuss in this episode: 2:44 – Marshmallow study 7:56 – Our clients 9:20 – More about the experiment
Are You Guilty of These Cognitive Biases?
June 02, 2022 09:00 - 21 minutes - 19.7 MBToday’s show is a fun one. Bias is one of our favorite topics, and cognitive bias is fascinating, especially as it relates to money. Find out what these biases are and how to implement more rational thinking into your life. Article discussed today: https://www.visualcapitalist.com/50-cognitive-biases-in-the-modern-world/ Read more and get additional financial resources here: http://listentoscott.com What we discuss in this episode: 1:38 – Bias is a favorite topic 3:50 – Dunni...
Why is the Market Going Down?
May 19, 2022 09:00 - 15 minutes - 14.4 MBThe stock market has been on the decline. But is this normal, or is this time different? How should we handle the drop? We’ll share what advice we give clients and how you can handle the ups and downs with confidence. Read more and get additional financial resources here: http://listentoscott.com What we discuss in this episode: 2:00 – Why is the market going down? 5:36 – Volatility is quicker 9:02 – Upward trend 11:59 – Final thoughts
Murky Issues That Make Retirement Planning Harder
May 05, 2022 09:00 - 19 minutes - 17.7 MBA recent USA Today article pointed out three murky issues that increase retirement planning’s degree of difficulty, especially in today’s economic climate. On this episode, we’ll breakdown the article to see if the murky issues are actually that threatening, and what you can do about it if you’re concerned. Read more and get additional financial resources here: http://listentoscott.com What we discuss in this episode: 2:38 – Income growth 8:13 – Social Security 10:52 – Withdrawal...
Home Run Retirement: How Baseball Principles Also Score Financial Runs
April 21, 2022 09:00 - 15 minutes - 14.2 MBAfter listening to today’s episode, you’ll never attend another baseball game with the family and look at it the same way. We’re going to show you how taking some of baseball’s most basic principles can also lead to financial success in your retirement portfolio. So, grab your peanuts and crackerjacks and let’s take the financial field. Read more and get additional financial resources here: http://listentoscott.com What we discuss in this episode: 2:31 – Home runs 4:26 – Appearanc...
Worried About Bad News? Remember, This Too Shall Pass
April 07, 2022 09:00 - 17 minutes - 15.8 MBWe’ve had no shortage of bad news in the news lately, but don’t panic. Remember, this too shall pass. We’ll share how we walk with clients through troubling times and keep their finances in order Read more and get additional financial resources here: http://listentoscott.com What we discuss in this episode: 1:20 – Crisis du jour 3:22 – Focus, not fear 6:55 – Can’t speculate 9:11 – Fear 10:31 – How we help