Money Roots

About the Guest(s):Paula M. Jones has been practicing law for almost 25 years.  After a decade at large international law firms, she opened her own practice in 2016.LinkedIn - Paula M Jones, EsqHer domestic estate work includes wills, trusts, powers of attorney, living wills and beneficiary designations.  She employs marital, residuary, disclaimer, dynasty, asset protection, grantor-retained annuity and intentionally defective grantor trusts, as well as family corporations to protect and preserve assets for many generations. She represents trustees and beneficiaries of trusts in trust-related matters.  Her Orphans’ Court practice includes trust reformations, trust mergers and divisions, terminations, accountings and audits. She represents parties in negotiations to avoid fiduciary litigation.Her work with international clients includes efficient planning in regard to U.S. estate and gift taxation, qualified domestic trusts, residency determinations, tax treaty applications, pre-immigration planning for non-resident aliens coming to the United States, expatriation tax planning for residents and citizens leaving the United States, administration of estates of foreign individuals with U.S. property and other related matters.  She has represented many individuals in regard to foreign account and asset compliance issues.Paula is currently an adjunct professor at Western New England University School of Law where she teaches International Estate Planning.  She has guest lectured at Columbia University, Temple University School of Law’s Masters of Laws Program and Rutgers University School of Law.  She lectures frequently for organizations such as the American Immigration Lawyers Association, Society for Human Resource Management and the American Bar Association, as well as local estate planning councils.Paula has authored several articles in respected industry journals such as Trusts and Estates, AICPA’s Tax Advisor and the ABA’s Practical Tax Lawyer. In addition, she developed a workshop on estate planning basics, titled “Will Power: Wealthy or Not, Your Estate Matters.” The companion book was published by The Graduate Group.Paula is admitted to practice in the State of New York, the Commonwealth of Pennsylvania, the State of New Jersey, the U.S. Tax Court and the U.S. District Court, Eastern District of Pennsylvania.Episode Summary:In this episode of the Money Roots podcast, host Amy Irvine engages in an enlightening discussion with Paula Jones, the esteemed owner of Jones Estate Group. With a robust background in international and domestic estate law, Paula delves into the intricacies of cross-border estate planning. She offers valuable insights into the roles her firm plays in estate planning, particularly emphasizing the importance of having a qualified team comprising estate attorneys, financial planners, and immigration lawyers when considering dual citizenship or cross-border living.Throughout the podcast, Paula addresses key issues associated with holding assets across different countries and the complex scenarios faced by individuals with multinational ties. Her discussion includes an exploration of residency determinations, tax treaty applications, and the vital significance of qualified domestic trusts in safeguarding assets. Paula’s practical advice caters to a growing audience interested in international living, offering concrete steps to ensure seamless estate planning while navigating diverse legal systems.Key Takeaways:Having a qualified team of advisors, including an estate attorney, financial planner, and immigration lawyer, is crucial for...

About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a financial planning firm dedicated to fostering authentic money conversations that align with clients' personal goals. Amy has built a career around helping individuals define and achieve their concept of "true wealth," emphasizing financial literacy, personal insight, and strategic planning tailored uniquely to each client. Her collaboration with Money Quotient has further solidified her expertise in creating meaningful financial strategies.Episode Summary:In this enlightening episode of Money Roots, Amy Irvine delves into the concept of "true wealth" and challenges the common perception of wealth being synonymous with material riches. Through her experiences, particularly a personal revelation during a hiking trip in the Adirondacks, Amy illustrates how determining what "enough" means is crucial for financial and personal well-being. She emphasizes the importance of identifying one's own tree line, the point where personal satisfaction equates to true wealth beyond the accumulation of material possessions.Amy further explores the obstacles to financial freedom, citing incorrect money messages and lack of financial literacy as major hindrances. The episode underscores the significance of understanding personal money beliefs—often rooted in childhood experiences and societal influences—and encourages listeners to seek proper financial education. Amy suggests practical exercises and resources that can help listeners gain deeper personal insights and improve financial literacy. The episode also touches on the role of financial security in offering life options, stressing that real wealth is in aligning financial resources with personal values and life goals.Key Takeaways:Defining True Wealth: True wealth is about recognizing and appreciating when you have enough, not merely the accumulation of more.Money Quotient Partnership: Rooted Planning Group uses tools from Money Quotient to help clients align financial strategies with personal values.Financial Freedom Obstacles: Identifying and overcoming common roadblocks such as misleading money beliefs and a lack of financial education is essential.Influences on Money Beliefs: Personal financial values are heavily influenced by childhood experiences and societal norms.Financial Literacy Exercises: Engaging in thought-provoking exercises can provide valuable personal insights and enhance financial knowledge.Notable Quotes:"Everybody has that moment that they're like, yeah, this is enough. I don't need any more.""Our culture has it at its core, the idea that more is better. Yet the underlying qualities that truly affect happiness are not advanced one wit by having more material things.""True wealth is you've realized when your time is where you want it to be, your energy is where you want it to be, and the money that is needed towards reaching those goals is enough for you.""Listening to the wrong money messages and lack of financial literacy are the two main obstacles to financial freedom.""Money can buy options, and that's something that's really important."Resources:Rooted Planning GroupMoney Quotient"Everything You Know About Money is Wrong" by Karen RamseyListeners are encouraged to dive into the full episode for more in-depth discussions and insights...

About the Guest(s):Jaelyn Vickery is the founder of Dimensional Wealth, and the host of the F3 podcast, which stands for Financial Fitness Finesse. She is a licensed clinical therapist as well as a renowned financial therapist. Jaelyn has excelled in connecting the sometimes-complicated dots between food and finance, with a particular focus on consumer psychology. With a background as a collegiate athlete, Jaelyn combines her experiences in mental health and financial management to help clients explore their consumption patterns and emotional relationships with money. Her passion includes guiding people through the ‘C3 Cycle’—compulsion, consumption, and control—a method she developed to help individuals navigate their financial and emotional landscapes.FacebookInstagramLinkedInEpisode Summary:Dive into an enriching conversation on Money Roots with Amy Irvine as she talks with Jaelyn Vickery, a multi-faceted expert in the field of financial therapy and mental health. As a founder of Dimensional Wealth, Jaelyn enlightens listeners on the intriguing intersection between food and finance, and how consumer psychology plays a crucial role in daily decision-making. With insights into both individual and collective financial behaviors, this episode will spark revelations on how listeners perceive and interact with money in their lives.Jaelyn Vickery delves into key aspects of her methodologies such as the ‘5 Reps to Wealth’ to help achieve total well-being. Her approach incorporates the various dimensions of wellness, using them as tools to manage both financial and emotional challenges efficiently. From the importance of pausing to assess personal goals to understanding how emotions translate into financial decisions, this episode is packed with insights. Learn how the principles of financial therapy can support healthier money habits and emotional stability in culturally driven consumer societies.Key Takeaways:Connection Between Food and Finance: Jaelyn draws parallels between food and finance, shedding light on how both aid in hitting pleasure points and are deeply embedded in survival instincts.5 Reps to Wealth Framework: This model incorporates eight dimensions of wellness, helping to create balance and abundance in one's personal and professional life.C3 Cycle: Understand the compulsion, consumption, and control cycle, which aids individuals in recognizing and transforming unhelpful consumption habits.Enoughism: Addresses the perpetual chase for more, illustrating the importance of defining ‘enough’ in personal and professional contexts.Therapeutic Collaboration: Discusses the synergy between financial therapists and advisors in addressing emotional and financial health.Notable Quotes:"Money is just emotions disguised as numbers.""Too often, we achieve so much on paper, but realize so many aspects of our lives have diminished.""Life is not basic... the human experience is abundant and beautiful.""What is right is actually within your own control of design.""Working with me, you'll learn how to find those moments of pause very quickly."Resources:Jaelyn Vickery's Website: JVIC.com - Find services, resources, and contact information.F3 Podcast - Hosted by Jaelyn,...

Carl Richards started The Sketch Guy column in The New York Times from the hills of Utah, crafting clear, relatable insights about money with just cardstock and a Sharpie. The column ran weekly for a decade. This journey began when Carl applied for what he thought was a job as a “security guard,” only to find out the ad actually said “securities.” That slight misstep sparked a lifelong dedication to reshaping how we think about money.Since then, Carl has become a Certified Financial Planner™, built and sold a successful investment firm, and spoken at financial and investment events worldwide—from Australia to South Africa, the UK, and major economic centers across Europe, Canada, and the United States. His bestsellers, The Behavior Gap and The One-Page Financial Plan, have been translated into over ten languages and continue to resonate globally.Through his daily podcast, Behavior Gap Radio, which now has over 1,000 episodes and over one million downloads, Carl shares new perspectives on aligning our resources with what truly matters. His latest audio project, 50 Fires, backed by executive producers Chip and Joanna Gaines, explores the intersections of money and meaning with guests like Pete Holmes, David Whyte, Krista Tippett, and his favorite guest by far, his wife, Cori.Carl founded The Society of Advice, a community of financial planners dedicated to the craft of advice. They gather for a monthly online workshop and frequent retreats in Park City, Utah.In 2025, Carl will release a new book that, true to form, will be unlike anything seen in the personal finance section—and you better believe there will be sketches (101 of them, to be exact).Pre-Order: Your Money: Reimagining Wealth in Simple SketchesWhen he’s not exploring ideas about money, Carl, a Wilderness First Responder, can be found navigating Utah’s high mountain ridges on foot, skis, or bike. Married to Cori since 1995, they have four kids, whom they consider their best friends.For information about Carl Richards speaking to your organization or appearing on your podcast, click here.TwitterInstagramLinkedInEpisode Summary:In this special episode of Money Roots, host Amy Irvine welcomes Carl Richards, also known as the Sketch Guy of the New York Times. The discussion centers around Carl's innovative new book, which serves as both a financial guide and conversation starter, featuring 101 insightful sketches and essays about personal finance. Through this medium, Carl aims to encourage meaningful dialogue about money—a subject often avoided yet deeply impactful in our personal lives. From his unconventional start in finance to becoming an influential voice in financial planning, Carl’s journey is a testament to reshaping how people perceive and engage with money.Throughout the conversation, Carl emphasizes the critical role of conversations in financial planning, advocating that understanding and clarity arise from dialogue. Amy and Carl delve into the book’s thematic sections, exploring how each segment—from...

About the Guest(s):Amy Irvine is the host of the podcast "Money Roots" and is a seasoned expert specializing in financial planning. Amy is known for her down-to-earth approach, making money conversations relatable and rooted in personal goals. Her expertise lies in designing a fulfilling financial life, especially focusing on retirement planning that aligns with one’s personal and emotional well-being. With a mission to educate and simplify complex financial topics, she aims to empower individuals to take control of their financial future.Episode Summary:In this insightful episode of Money Roots, Amy Irvine delves into the intricacies of designing a fulfilling and meaningful life in retirement. Through an exploration of the traditional life phases of education, work, and retirement, Amy challenges listeners to think outside the box and consider a more integrated approach to their life's journey. Rooted in her financial expertise, she emphasizes the importance of lifelong learning, balanced living, and finding personal fulfillment beyond traditional career achievements.Throughout the episode, Amy highlights the essential need for continuous learning, meaningful work, and rewarding leisure activities, promoting a holistic approach to retirement preparation. She references Richard Bowles's concept of the 'three boxes of life' and incorporates insights from Dr. Phyllis Moen of the Cornell Retirement and Well-being Study. This discussion encourages listeners to unbox their lives, balancing different facets such as intellectual pursuits, work passion, and leisure activities that resonate personally, thus crafting a retirement that is both satisfying and joyous.Key Takeaways:Lifelong Learning: Retirement should be viewed as an opportunity for continued learning and personal growth, rather than a mere cessation of work.Unboxing Life: Traditional phases of education, work, and retirement can be more fulfilling when integrated and balanced throughout life.Personal Fulfillment: It's crucial to engage in activities during retirement that are personally meaningful and joyful, rather than just remaining busy.Purpose and Leisure: Retirement offers a unique chance to redefine what leisure means to you, emphasizing activities that feel like a 'mini-vacation.'Holistic Planning: Consider all aspects of life, including intellectual, work, and leisure pursuits, to achieve a balanced and rewarding retirement journey.Notable Quotes:"The blessings for which we hunger are not to be found in other places or people.""We have to learn to balance learning, work, and leisure in every stage of our lives.""For some people, that is an exciting prospect and for others, it's a very frightening one.""Make sure the things that you're doing not just in retirement obviously, but right now... are bringing meaning.""Retirement planning should be a lifelong regime rather than a later life concession."Resources:Cornell Retirement and Well-being Study: Insights by Dr. Phyllis Moen on planning a fulfilling retirement.Richard Bowles's Three Boxes of Life: A framework for understanding life phases.Tune in to the full episode to delve deeper into Amy Irvine's unique perspective on crafting a fulfilling and balanced retirement. Stay connected for more enriching content on "Money Roots," where we help you keep your finances grounded and your future growing.

About the Guest(s):Amy Irvine is a seasoned financial advisor and the host of the "Money Roots" podcast. As a passionate advocate for holistic retirement planning, Amy leverages her extensive experience in financial advising to offer practical insights and strategies. Her focus spans beyond traditional financial security, embracing a wide view of retirement that includes health, relationships, personal growth, and community. She is known for helping clients design fulfilling retirements that are balanced across all facets of life.Episode Summary:In the latest episode of "Money Roots," hosted by financial expert Amy Irvine, listeners are invited to explore the multifaceted nature of retirement planning. Amy emphasizes the importance of balance in designing a fulfilling retirement. Rather than focusing solely on financial security, Amy argues for a holistic approach that considers intellectual engagement, health, relationships, and personal growth. This episode is crucial for anyone preparing for retirement or reevaluating their current retirement lifestyle.Throughout this insightful episode, Amy discusses the "wheel of life" concept, encouraging her audience to set retirement goals across various aspects of life such as leisure, healthcare, personal growth, and community involvement. Key elements of a balanced retirement are dissected, providing listeners with a roadmap to assess and align their personal priorities. She emphasizes that retirement, being the longest vacation of one's life, should be meticulously planned to embrace a balanced and purposeful lifestyle.Key Takeaways:Holistic Retirement Planning: Retirement planning should encompass more than just financial security, factoring in health, relationships, personal growth, and intellectual pursuits.Wheel of Life Approach: Amy introduces the wheel of life, which allows individuals to evaluate their engagement in various life facets, ensuring a balanced approach to retirement.Setting Goals Across Life Facets: She stresses the importance of setting goals for intellectual engagement, productive pursuits, leisure, healthcare, and community involvement to ensure a fulfilling retirement experience.Personal Growth and Engagement: Retirement is an opportunity for continued personal growth and learning, vital for maintaining intellectual sharpness and life satisfaction.Redefining Retirement: Whether you are approaching or revisiting retirement, it’s important to visualize and define what this stage should look like for personal fulfillment.Notable Quotes:"Money can act as a tool for achieving goals in other areas of life, but financial security alone cannot bring about happiness.""Retirement is the longest vacation of our life. How do we want to spend that time?""Each part of your life contributes to the quality of the life that you experience.""It's time to reevaluate, not just your financial portfolio, but your life portfolio as well.""Visualizing retirement: What does retirement look like for you?"Resources:Retirement Visualization Worksheets: Amy provides listeners with worksheets to assist in visualizing their retirement goals.Visualize Your RetirementPersonal Insights about Life BalanceListen to the full episode to immerse yourself in the concept of balanced retirement planning and ensure your future is not only financially secure but also rich in personal fulfillment and growth....

About the Guest(s):Amy Irvine is a seasoned financial planner and host of the Money Roots podcast. She is the founder of Rooted Planning Group, where she offers comprehensive retirement and financial planning services. Amy is known for her approachable and relatable style, making complex financial concepts accessible to a broad audience. Her focus on aligning financial strategies with personal goals helps clients navigate significant life transitions effectively.Episode Summary:In this episode of Money Roots, hosted by Amy Irvine, the focus continues on retirement planning with part two of the Retirement Design series, exploring the crucial concepts of transition management. Amy discusses the "Three Rs of Successful Transitions": Resourcefulness, Resiliency, and Renaissance Spirit. These traits are essential for anyone navigating the uncertainties of retirement.The episode delves into how each of these traits can be developed and nurtured to facilitate a smooth shift into retirement. Amy emphasizes that retirement is not just a financial change, but a social and personal one as well. Key aspects like the creativity of resourcefulness, the adaptability of resilience, and the enthusiasm of a Renaissance spirit are explored in-depth, with examples of how they manifest in real-life scenarios. The episode is a valuable guide for preparing emotionally and mentally for retirement's complex landscape.Key Takeaways:The Three Rs: Understanding the essential traits of Resourcefulness, Resiliency, and Renaissance Spirit can help navigate life transitions, particularly retirement.Holistic Planning: Retirement planning involves more than just finances; social and personal aspects play critical roles.Real-life Applications: Examples and questions help listeners identify how they can apply these traits to past transitions and future planning.Change Adaptation: Emphasizes the importance of flexibility and openness to change as constants in retirement planning.Future Episodes: Hints at future discussions on balancing life during retirement transitions in upcoming episodes.Notable Quotes:"Resourcefulness is about making the most of what we have and always looking for effective and creative ways to reach goals.""Resiliency is the ability to bounce back from a loss, disappointment, or other difficult situations.""A Renaissance spirit involves having a zest for life and learning, with diverse and in-depth interests pursued with wonder, adventure, and fun.""Overcoming challenges and taking advantage of opportunities are key elements of a successful transition in retirement.""Change is the only constant in our lives, and how we respond to it will profoundly affect the decisions we make."Resources:Rooted Planning Group: WebsiteFor a deeper understanding of the important strategies discussed in this episode and how you can prepare for a fulfilling retirement, listen to the full discussion. Stay tuned for more insightful content from the Money Roots podcast series.

About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a dynamic organization focused on aligning financial planning with life goals. With extensive experience in financial advising, Amy has carved a niche for herself by integrating life design with financial strategy. A firm advocate for actionable and personalized financial planning, Amy is deeply involved with Money Quotient, where she assists individuals in bridging their life aspirations with their financial plans. She brings a wealth of knowledge and a unique perspective on retirement planning, promoting a holistic view that encompasses more than just financial stability.Episode Summary:Join Amy Irvine, the visionary CEO of Rooted Planning Group, in this engaging debut of the "Retirement Design" series on Money Roots. This episode lays the groundwork for understanding how life's design intersects with financial planning, particularly as one approaches retirement. By leveraging her expertise and the insights from Money Quotient, Amy guides listeners to view retirement as a life phase that requires thoughtful preparation, far beyond financial readiness. This episode sets out to redefine the traditional perceptions of retirement, encouraging both current retirees and younger listeners to envisage a fulfilling life post-retirement.The podcast episode delves into why planning for retirement needs to extend past monetary considerations. Amy Irvine shares statistics and demographics illustrating the longevity and societal shifts that beckon us to rethink retirement paradigms. One key assertion from Amy is that "life is about events supported by your dollars and cents." This episode of Money Roots is enriched with insights about retirement practice, longevity statistics, and transformative life in retirement. Amy introduces a guide/workbook for personal introspection on retirement, emphasizing the psychological transition into retirement as significantly as the financial aspect. Through her expert lens, Amy implores listeners to design their retirement life proactively, seeing it as a transition, rather than an end.Key Takeaways:Retirement should be designed proactively as a significant life transition, not merely a financial milestone.Life expectancy has increased significantly, influencing the need for a broader retirement strategy that includes social networks and active lifestyles.Practicing retirement in the year preceding actual retirement can aid in adjusting to new routines and discovering fulfilling activities.A higher emphasis on personal development and social connections can enhance life satisfaction more than financial gains alone.Retirement is a continuous design process, and individuals should remain flexible, allowing their plans to evolve and change as needed.Notable Quotes:"Life is about events supported by your dollars and cents.""The older you get, typically the longer your life expectancy is.""It's not just the size of your portfolio but the size of your social network that affects life satisfaction.""Retirement should be thought of as a major life transition deserving thought and preparation in all areas.""You get to design life in retirement...and you know what? It can change."Resources:Rooted Planning GroupMoney QuotientAARP Study: "Baby Boomers Look Forward to Toward Retirement"Stay tuned for more insightful episodes in the "Retirement Design" series on Money Roots, where Amy Irvine will continue to offer practical exercises and thought-provoking insights to design a fulfilling retirement. Don't miss out on the upcoming parts...

About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a financial planning firm focused on providing personalized and strategic financial advice. With extensive experience in the financial sector, Amy has become a respected voice on issues related to retirement planning, particularly concerning the unique challenges faced by women. Her work emphasizes the importance of integrating financial goals with a client's holistic life vision.Episode Summary:In this episode of "Money Roots," Amy Irvine delves into the intricacies of retirement planning with a particular focus on women's unique financial challenges and opportunities. Speaking from her experience delivering a session at a women's conference, Amy addresses the disparities in planning for retirement between men and women, spotlighting the importance of early preparation and proactive strategy adjustment. With a compelling call for envisioning a financially free future, Amy intertwines practical advice with empowering insights.Throughout the episode, key topics include the gender pay gap's impact on savings, the significance of career breaks for caregiving, and the influence of longer life expectancies on financial planning for women. Discussions emphasize the importance of developing a comprehensive approach tailored to each stage of life—from young professionals to retirees and single women. Through data-driven observations, listeners are encouraged to rethink their approach to retirement by focusing on satisfaction, adaptability, and informed decision-making in financial strategies to ensure lasting security during retirement.Key Takeaways:Early engagement in retirement planning can alleviate uncertainty and ensure a financially secure future for women, who face unique career and financial challenges.Women should be acutely aware of the gender pay and savings gap that can compound over a lifetime, affecting their long-term financial health and retirement readiness.Utilizing a "Wheel of Life" to assess personal satisfaction across multiple life domains can guide effective planning towards a balanced and fulfilling retirement.Different stages of life, such as young professionals, established families, and retirees, demand tailored financial strategies and targeted goals to maximize benefits and safeguard savings.Women need to actively advocate for themselves in the workplace, recognizing and addressing factors like menopause and caregiving that may influence career progression and financial stability.Notable Quotes:"I've learned that making a living is not the same as making a life." – Amy Irvine"Retirement is one of the longest vacations of your life, so it's critical to address it early.""Women often face career breaks for caregiving, impacting both earnings and retirement savings.""Sit with the word retirement and think about what emotions it brings—excitement, restlessness, fear—all can be present together.""Women are great savers but often don't know what to do with the money. Investing wisely is key."Resources:Rooted Planning Group: Rooted Planning GroupMaya Angelou's quote on making a living versus making a life.The Wheel of Life tool from Money Quotient for personal satisfaction assessment.To gain in-depth insight into women's retirement planning and to learn practical strategies for various stages of financial life, tune in to this episode of "Money Roots." Stay updated with our podcast series for more enriching financial guidance and discussions.Links referenced in this episode:

About the Guest(s):Amy Irvine is a seasoned financial planner and the founder of Rooted Planning Group. With years of experience in wealth management, Amy has been instrumental in guiding her clients towards financial success through strategic planning and personalized advice. Her passion for broadening the representation of women in financial planning has been a driving force behind her career. Amy is well-versed in creating inclusive, team-focused environments that emphasize holistic financial well-being.Becky Eason is an integral team member at Rooted Planning Group, who began her journey as an intern and has grown significantly within the company. Equipped with a solid academic foundation and a strong desire to learn, Becky contributes to the operational and client-based aspects of the firm, showcasing her dedication to personal growth and team success.Episode Summary:In this engaging episode of Money Roots, Amy Irvine offers a candid glimpse into the journey of her company, the Rooted Planning Group, from its formative years to its present-day status. Initially named Irvine Wealth Planning Strategies, Amy recounts the significance of renaming the firm to reflect its evolution and collaborative team dynamic better. Along with Becky Eason, Amy dives into the intricate process of building and sustaining a well-rounded business culture that not only supports growth but prioritizes emotional and personal development for both team members and clients.Throughout the discussion, Amy emphasizes the importance of maintaining a balance between personal and professional life. Her reflections on time spent in Scotland highlight the necessity of mental breaks for rejuvenation and innovation. Amy underscores the critical role culture plays in team success, advocating for an environment where curiosity is encouraged and inclusivity is inherent. By sharing her experiences, Amy provides valuable insights for business owners and aspiring entrepreneurs looking to forge their paths with resilience and adaptability.Key Takeaways:Emotional Impact of Rebranding: Amy describes the bittersweet emotions involved in changing her firm's name, reminiscent of a parent's feelings when their child leaves for college.Team Dynamics and Growth: As the company grew, Amy recognized the need for a brand and culture reflecting teamwork and inclusivity, moving beyond a singular focus on her leadership.Importance of Cultural Fit: Hiring decisions at Rooted Planning Group prioritize cultural fit and adaptability, ensuring a harmonious and effective work environment.Balancing Work and Personal Life: Amy shares her strategies for creating personal space, emphasizing the importance of physical activity in providing mental clarity and creativity in business.Inclusion and Well-being: Acknowledging different perspectives is crucial, and Amy's approach to company culture includes ongoing conversations about personal and collective well-being.Notable Quotes:"As we were growing... I learned that culture needs to be protected, and having the right people as part of the culture is so much more critical and important.""We're one of those firms that, like, pivots. We pivot often.""I very much enjoy being outdoors, and I really love when I'm walking up a hill.""We can't talk about inclusion without talking about well-being.""No journey is a straight line... being nimble, I think, is probably the number one characteristic important when you're a business owner."Resources:Explore more about the Rooted Planning Group and the financial services they offer on their official...

About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a financial planning firm tailored to providing holistic and innovative financial solutions. With over 20 years of experience in the financial industry, Amy has traversed roles across trust companies, the fiduciary sector, and a credit union’s investment management division. A graduate in accounting, she later received her bachelor's degree in financial planning and pursued further education to earn the CFP designation. Recognized for her expertise and commitment to client-centric service models, Amy is particularly passionate about helping Gen X professional women with complexity in their financial planning needs.Kate Welker is a significant member of the Rooted Planning Group, closely working with Amy Irvine. Her professional journey is interwoven with Amy’s as they both have a history of academic and professional encounters. Kate interviews Amy, ushering a deep dive into Amy's entrepreneurial evolution.Episode Summary:In this engaging episode of "Money Roots," Amy Irvine, the CEO and founder of Rooted Planning Group, flips the interview script as she becomes the focal point of an inspiring entrepreneurial chronicle. This special episode opens a window into Amy’s unique journey from her early days in accounting to establishing a transformative financial planning firm. Presented through an insightful dialogue with her colleague, Kate Welker, listeners are taken on a decade-long journey illustrating Amy's transition into entrepreneurship, characterized by resilience, strategic pivots, and a client-centric vision.Embark on a captivating exploration of Amy Irvine’s professional voyage where she recounts her gradual shift from the corporate structure to founding Rooted Planning Group in 2015. Tapping into her diverse experience across trust companies and a credit union, Amy articulated a business model to serve underserved demographics, notably Gen X women. Her venture met challenges, particularly the financial strains and the emotional burdens of evolving her business in an industry heavily reliant on asset management. Through candid anecdotes, Amy sheds light on the lessons learned, the initial struggles, and the pivotal moments, ultimately paving the way for Rooted Planning Group's successful establishment and continued growth.Key Takeaways:Amy Irvine shares her transition from working within established firms to launching Rooted Planning Group and maintaining its client-centered approach to financial planning.The initial years of entrepreneurship were marked by financial constraints and emotional struggles, where Amy and her family embraced a minimalist lifestyle to support the business.The decision to charge a flat fee was made to cater to Gen X professional women, offering financial planning services without asset-based fees.Amy stresses the importance of managing both the fear of failure and planning for potential success when launching a new business.Key moments in Amy’s journey illustrate the necessity of resilience and adaptability in overcoming unexpected challenges and learning from diverse professional experiences.Notable Quotes:"I loved what I did, but I didn't love how I was doing it.""What's the worst that's going to happen? You're going to have to go get a job.""We thought we had said enough side. But in reality, oh gosh, we really didn't.""It forced me to go down this path of...actually starting her absolute own firm.""I wanted this business model to succeed because I believed in it."Resources:Rooted Planning Group - Official website to learn more about the services offered by Amy Irvine's financial planning...

About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group. With extensive experience in the financial planning industry, Amy is passionate about providing education that makes finance approachable and understandable. Her work focuses on helping individuals create and sustain healthy financial futures through diversified and balanced financial strategies. She is known for her engaging communication style and commitment to empowering listeners with practical, real-world financial advice.Episode Summary:Join us in this enlightening episode of Money Roots, where Amy Irvine delves into the turbulent nature of recent financial markets, aptly titled "Whiplash." Recorded on April 16, 2023, Amy explores how the recent global trade tensions, particularly with China, have been affecting market stability and investor confidence. Highlighting the importance of a diversified financial portfolio, she balances the conversation between defensive and offensive strategies to navigate challenging economic climates.In discussing financial strategies, Amy emphasizes the importance of maintaining a long-term investment horizon, explaining how portfolios tailored towards financial goals necessitate a balance between risk and opportunity. She stresses that while stock market volatility might be nerve-wracking, it also presents lucrative opportunities for patient investors. With a wealth of historical insights, Amy offers a deeper understanding of the current economic situation, providing listeners with tools to thrive financially despite market uncertainties. Her analysis is rounded off with actionable advice on leveraging market conditions to bolster one's financial strategy.Key Takeaways:Diversification is Key: Amy emphasizes having a well-balanced and diversified portfolio to weather different market conditions.Long-Term Perspective: Maintaining a long-term investment horizon helps mitigate short-term market volatility.Opportunistic Investing: Volatility can provide attractive investment opportunities, underscoring the importance of being strategically prepared.Financial Resilience: Balancing defensive and offensive financial strategies is crucial in uncertain economic times.Market Historical Insight: Understanding past market reactions to global events can aid in better financial planning and decision-making.Notable Quotes:"A winning strategy always requires a combination of both offense and defense.""Periods of market uncertainty may be unpleasant, but they are also often the best time when asset price valuations are most attractive.""The goal is not simply to grow a portfolio at the fastest, most volatile rate, but to have the highest possible probability of achieving your financial goals.""By extending your time horizon by even just a few years, you can have a significant impact on the range of outcomes.""Markets have weathered similar challenges in the past, and it’s crucial to maintain perspective as long term investors."Resources:Rooted Planning Group: Website Volatility and Staying Invested Image Dive into this important episode to enhance your financial acumen and stay engaged with Money Roots for more insightful discussions. Follow us on your favorite podcast platforms and social media channels to cultivate a thriving financial journey.

About the Guest(s):Amy IrvineAmy Irvine is the CEO and founder of Rooted Planning Group, a firm dedicated to providing personalized financial planning advice. With years of experience in the financial industry, Amy has established herself as an expert in guiding individuals and businesses through complex financial landscapes. Her work focuses on practical and sustainable financial strategies, emphasizing the long-term growth potential of her clients' financial futures. Amy is a sought-after speaker and educator in financial planning, known for her approachable and educational insights into personal finance and economic cycles.Episode Summary:Dive deep into the intricate world of financial planning in this compelling episode of Money Roots. Join host Amy Irvine as she unveils the often-overlooked importance of business cycles and their influence on personal finance strategies. With economic uncertainty looming, now is the perfect time for a refresher on the fundamentals that underpin our financial decisions. Amy shares her expert insights on how to navigate market fluctuations and make informed choices, whether you're an investment novice or a seasoned financial planner.This episode begins by defining the business cycle and its phases—expansion, peak, contraction, and trough—and how these stages relate to economic indicators like GDP and unemployment. Amy emphasizes the challenges of timing these cycles, comparing them to market cycles, which often react prematurely based on investor sentiment and other factors. The episode masterfully utilizes SEO keywords such as "financial planning," "business cycles," "economic indicators," and "market cycles" to provide a wealth of knowledge and practical advice for maintaining financial stability through economic highs and lows.As the discussion progresses, Amy provides a comprehensive guide on maintaining a robust financial plan amidst market volatility. Key strategies include maintaining a long-term perspective, regular portfolio rebalancing, adjusting expectations based on economic phases, and building an emergency fund. Amy underscores these points with impactful quotes about the inevitability of economic downturns and the advantages of well-constructed portfolios. This episode serves as an indispensable resource for anyone looking to enhance their financial literacy and secure their financial future in uncertain times.Key Takeaways:Understanding Business Cycles: Learn about the four phases of the business cycle—expansion, peak, contraction, and trough—and how they affect economic conditions and financial planning.Distinguishing Business and Market Cycles: Understand the key differences between business cycles and market cycles, including their frequency and volatility.Financial Planning Strategies: Discover practical tips for maintaining financial stability, like portfolio rebalancing and having an emergency fund.Long-term Perspective: Emphasize the importance of focusing on long-term financial goals rather than reacting to short-term market movements.Portfolio Resiliency: Appreciate the benefits of diversifying portfolios to withstand different economic conditions while avoiding excessive risk.Notable Quotes:"Recognizing this distinction allows us to focus on the aspects of our financial lives where our decisions truly matter.""Trying to be precise about timing the business cycle is just very challenging.""Short-term market movements often appear as mere blips when viewed over decades.""Financial plans should take into account the fact that downturns are absolutely going to happen.""Market and business cycles are a natural part of investing experience."Resources:Rooted...

About the Guest(s):Amy IrvineAmy Irvine is the CEO and founder of the Rooted Planning Group, a financial planning firm dedicated to helping individuals and families cultivate a thriving financial future. With extensive experience in the finance industry, Amy is a respected voice in personal finance, often highlighted for her unique insights and practical advice aimed at improving financial literacy. As a passionate advocate for financial equality, she frequently contributes to discussions on contemporary financial issues, especially those impacting women.Episode Summary:In this insightful episode of Money Roots, host Amy Irvine delves deep into the intertwined history of women and money, while also exploring foundational concepts of the money supply. Released during Women's History Month, this episode provides a timely reflection on how historical gender biases have shaped financial opportunities and challenges for women over centuries. From elucidating the definitions of M1, M2, and M3 money supplies to detailing landmark legislative changes that aimed to rectify gender-based financial inequalities, Amy delivers a wealth of information meant to empower and educate listeners.Throughout the episode, Amy Irvine sheds light on the significant historical milestones that have shaped women's financial rights and opportunities. With a nod to landmark legislation such as the Married Women’s Property Act and the Equal Credit Opportunity Act, listeners are guided through two centuries of evolution in women's financial rights. Highlighting the persistent wage gap, which has seen stagnant improvement since 2003, Amy calls for continued education and advocacy, emphasizing the role of allies in supporting financial gender equality. By understanding the past, Amy believes, we pave a clearer path for a future where financial parity can be realized.Key Takeaways:Understanding Money Supply: Amy introduces listeners to the basic concepts of money supply, categorized into M1, M2, and M3, explaining their roles in economic growth and inflation.Historical Gender-Based Financial Inequality: The episode tracks the timeline of female financial rights, revealing the extent of historical discrimination that women faced in terms of property ownership, credit access, and professional opportunities.Legislative Milestones: Key legislative acts such as the Married Women’s Property Act and the Title IX are highlighted, portraying their impact on women's rights and financial autonomy.The Persistent Gender Wage Gap: Despite progress, there remains a significant gap in earnings between women and men, citing statistics that reveal women earn approximately 85% of what men do.Call to Action for Financial Equality: Encouragement is given to allies—parents, partners, and friends—to support women in achieving financial literacy and independence.Notable Quotes:"The reason that I'm bringing this up is because we've been having a lot of conversations with people about money supply in general.""If you can't vote, you have no say over what does and doesn't happen to you.""So technically, women at that point in time, if they got pregnant prior to that, you could lose your job, you could lose your way of supporting yourself.""There's still a lot that we need to do to continue to bring parity to the way that women earn money, get paid, our relationship with money, all of that.""For Women's History Month, if you have a daughter, if you have a niece, if you have a wife, support her in the way that, you know, promotes this continued direction towards parity of pay."Resources:Rooted Planning Group:

About the Guest(s):Dr. Brett Dick is a specialized physical therapist and the founder of Limitless Performance Physical Therapy located in Big Flats. He obtained his degree from the University at Buffalo and developed a unique approach toward physical therapy by establishing his own clinic. Brett focuses on delivering personalized care, primarily helping active adults, gym-goers, and runners. His work centers around addressing the root causes of physical issues and avoiding unnecessary surgeries through preventative care. Brett also regularly conducts sports-related clinics, reinforcing his commitment to a holistic view of health and fitness.Episode Summary:In this engaging episode of Money Roots, host Amy Irvine sits down with Dr. Brett Dick, an accomplished physical therapist and the founder of Limitless Performance Physical Therapy. They dive into a crucial yet often overlooked aspect of personal finance—medical expenses related to physical health. By applying preventative measures in physical therapy, individuals might significantly reduce or even avoid costly surgeries and extended recovery periods. This episode guides listeners through understanding the financial and health benefits of proactive physical therapy.Throughout the conversation, Dr. Brett Dick dismantles the conventional perceptions of physical therapy, emphasizing the importance of identifying and treating the root causes of physical discomfort. With an individualized approach, Brett discusses how active listening, careful evaluation, and specifically tailored exercises can lead to better health outcomes. This proactive method not only improves quality of life but also provides substantial economic benefits by potentially reducing the need for more invasive medical procedures. Listeners are encouraged to consider physical therapy not just as a post-surgery step, but as a vital component of overall health management.Key Takeaways:Aim to address the root cause of physical issues to potentially avoid unnecessary surgeries.Engaging in preventative physical therapy can yield both health and financial benefits.Limitless Performance Physical Therapy offers a unique, personalized approach, diverging from the traditional PT model.Initial sessions focus on understanding and evaluating the problem for tailored treatment plans.Physical therapy can be integral to maintaining quality of life and minimizing long-term healthcare costs.Notable Quotes:"Addressing the whole body and figuring out where those weak links are, what muscles are weak and different areas, and fixing that could definitely be a huge game-changer.""Being proactive about it is way better.""Working with someone else because there's two or three people I'm working with in an hour time slot.""I always do a phone consult, talk to them for like 15 minutes about what's going on before they even come in.""You can definitely save like thousands of dollars by avoiding having a surgery."Resources:Limitless Performance Physical Therapy: Explore more about Dr. Brett Dick's clinic and approach through their website and social media platforms.Connect with the podcast and Rooted Planning Group on their social media platforms: Facebook, LinkedIn, and Instagram for regular updates and resources.Don't miss this insightful episode of Money Roots, where traditional finance meets health to transform how we perceive personal and financial wellness. Listen now to explore how physical therapy can be a smart, proactive investment and stay tuned for more enlightening conversations!

About the Guest(s):Amy IrvineAmy Irvine is a renowned financial expert and the host of "Money Roots," a podcast dedicated to demystifying personal finance. She has a background in financial planning and is the founder of Rooted Planning Group, an organization committed to helping individuals build secure financial futures. Amy's approach is warm and inviting, making complex financial topics accessible to listeners of all levels. Her passion for teaching and empowering people on their financial journeys is the beating heart of the "Money Roots" podcast.Episode Summary:In this heartfelt episode of "Money Roots," host Amy Irvine addresses the sensitive topic of dealing with the financial implications following the loss of a loved one during the month of February—a month typically associated with love due to Valentine's Day. She offers guidance on navigating the intricate financial decisions that arise after such a loss, recognizing the unique emotional and logistical challenges of this time.Listeners are guided through key aspects of managing finances amidst grief. From understanding social security and pensions to handling estate taxes and investment accounts, this episode serves as an essential guide for those who find themselves in the difficult position of managing these necessities. Amy presents two detailed checklists to help listeners through the complexities of estate and cash flow management, ensuring that important decisions are made thoughtfully and without haste.Key Takeaways:Grief can complicate financial decision-making; delaying major financial choices for at least a year after a loss is advisable.Evaluating cash flow is crucial; assess whether adjustments to social security and pension distributions are needed.Estate settlement requires attention to asset transfers, potential estate taxes, and ensuring that all accounts are properly managed.Consider digital and physical assets, including any unclaimed property, and protect against identity theft by closing the accounts of the deceased.Awareness of potential scams during vulnerable times is crucial, especially in months like February, when emotions might run high.Notable Quotes:"February is full of flowers and love, but for some, it's a painful reminder of loss.""We cannot, we do not make the best financial decisions when we are struggling with emotional feelings.""Do not make any major decisions the first year after somebody passing away, especially if it’s your spouse.""If your parent was a veteran, there may be some death and burial benefits or survivor pensions that need exploring.""Be cautious and careful; this is when we also see a bunch of scams happen."Resources:Documents referred to in this episode:What Issues Should I Consider If My Parent Passed AwayWhat Issues Should I Consider If My Spouse Passed AwayRooted Planning Group - The sponsor of the show, specializing in financial planning and guidance. Find more resources on their website or follow them on social media.Facebook: Rooted Planning GroupInstagram: @rootedpgTune in to this episode of "Money Roots" for valuable insights into coping with the intersection of grief and financial responsibilities....

About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a financial planning firm dedicated to helping clients cultivate a prosperous financial future. With years of experience in the industry, Amy brings a wealth of knowledge and insight into financial planning, investments, and economic trends. Her dedication to providing approachable and actionable financial advice has made her a respected authority in the field.Episode Summary:In this insightful episode of Money Roots, host Amy Irvine unpacks the financial events that marked the beginning of the year with a keen focus on January's market volatility and policy shifts. With over two decades of financial expertise, Amy shares her thoughts on how the Trump administration's new tariffs, advancements in artificial intelligence, and the Federal Reserve's decisions are shaping the economic landscape. She stresses the importance of remaining calm and focused on long-term financial goals to weather these uncertain times.Listeners interested in current financial trends and policy impacts will find this episode valuable. Amy delves into how the S&P 500, NASDAQ, and Dow Jones saw varied impacts from recent economic activities, highlighting the significance of technological and trade policy changes. The discussion extends to the Federal Reserve's decision to pause rate cuts, reflecting an effort to stabilize the economy amid persistent inflation concerns. With SEO-optimized insights on tariffs, AI disruptions, and market dynamics, this episode is a must-listen for anyone aiming to stay informed about personal finance amid global economic fluctuations.Key Takeaways:Financial markets showed a positive yet volatile start in January, driven by major policy changes and technological advancements.Recent tariffs introduced by the Trump administration target key trading partners, adding to global economic uncertainty.Advancements in AI technology, especially by the Chinese company Deep Seq, are causing shifts in technology stocks and the broader market.The Federal Reserve's decision to pause rate cuts highlights a cautious approach amid steady economic growth and persistent inflation.Staying disciplined in financial planning is crucial during these volatile times to achieve long-term financial goals.Notable Quotes:"All you need is love and a good financial planner.""Technological developments matter for all investors, not just those focused on tech stocks.""Tariffs have created uncertainty around the global trade relationship, inflation, and economic growth.""Ultimately, tariffs were a means of negotiating new trade deals.""Staying disciplined will only grow in importance with investor attention focused on implications and implementation of the new administration policies."Resources:Connect with Amy Irvine through Rooted Planning Group's social media channels on Facebook, LinkedIn, and Instagram.Pay attention to market updates and newsletters by subscribing to Money Roots wherever you get your podcasts.Dive into this enlightening episode of Money Roots to understand the significant financial trends and strategies that can help you navigate the current economic landscape. Stay tuned for more insightful content and expert guidance in future episodes.

About the Guest(s):Amy Irvine is the host of the "Money Roots" podcast and a distinguished financial planner known for her insightful approach to personal finance. As the founder of Rooted Planning Group, Amy has built a reputation for helping individuals and families cultivate sustainable financial futures through personalized planning and financial education. Her passion for demystifying finance is evident in her thoughtful, relatable podcast episodes. Amy holds various certifications and has been recognized for her expertise in aligning financial planning with personal values and satisfaction.Episode Summary:In this engaging episode of "Money Roots," Amy Irvine delves into the intricacies of achieving financial satisfaction and aligning spending with personal values. Emphasizing the importance of reflecting on lifestyle choices and their financial impact, Amy introduces an innovative tool designed to gauge an individual's satisfaction across various life aspects. She encourages listeners to explore their habits, motivations, and the true fulfillment they gain from their financial activities.As the episode unfolds, Amy discusses concepts like lifestyle creep and how it can disrupt financial satisfaction if left unchecked. Through the strategic use of a satisfaction-measuring exercise, Amy guides listeners in connecting the dots between their satisfaction levels in areas such as family, health, work, and finances, and their monetary decisions. The episode is rich with practical advice and introspective practices, making it a valuable listen for anyone looking to enhance their financial well-being in 2025 and beyond.Key Takeaways:Understanding financial satisfaction involves analyzing whether your spending aligns with your core values.Lifestyle creep can change financial satisfaction; awareness and reflection are key to addressing it.A tool introduced by Amy helps visualize satisfaction across various life areas, promoting informed financial planning.Personal growth in financial planning can be as unique as putting together pieces of a jigsaw puzzle.Exploring obstacles can help overcome barriers to achieving financial and personal satisfaction.Notable Quotes:"The first step in changing a habit is actually identifying the habit.""When developing each individual's financial plan, it's like putting together a jigsaw puzzle.""This exercise gives you some of that guidance internally.""Are your dollars matching your values?""Sometimes the obstacle is here, not here."Resources:Rooted Planning Group: rootedpg.com (As mentioned in the transcript)Money Roots Podcast: Available on Facebook, X, LinkedIn, and Instagram for more personal finance resources.To uncover more insights into aligning your financial actions with personal satisfaction, don't miss the chance to listen to the full episode of "Money Roots." Stay tuned for more episodes that promise to guide you through your financial journey with clarity and confidence.

About the Guest(s):Amy IrvineAmy Irvine is the CEO and founder of Rooted Planning Group, a leading firm dedicated to providing excellent financial planning services. With over two decades of experience in the financial sector, Amy is renowned for her ability to make the complex world of finance accessible to everyone. Her mission is to empower individuals and families to achieve financial satisfaction and well-being. Amy’s innovative approach focuses on growing financial knowledge alongside personal satisfaction, and she is a frequent speaker at finance conferences and workshops.Episode Summary:Take the Survey: https://members.moneyquotient.com/s/PwgOG5bL160r6qo2/aExX4k5B9YDpq2oyHappy New Year! In this inaugural 2025 episode of Money Roots, Amy Irvine, founder of the Rooted Planning Group, introduces listeners to the concept of financial satisfaction rather than typical resolution-setting. Aimed at improving financial well-being, this show encourages reflecting on financial contentment and areas for growth. With Amy’s expert insights, listeners of every financial background will find practical strategies to elevate their financial knowledge and satisfaction.In this episode, Amy dives deep into the importance of identifying areas of financial satisfaction and dissatisfaction. By leveraging a financial satisfaction survey, listeners can pinpoint where they stand in their financial journey and implement actionable steps for improvement. Emphasizing incremental progress, Amy proposes a reflection-focused approach for managing finances, encouraging listeners to engage in purposeful discussions about financial priorities with loved ones or partners. Discover the tools to plant seeds of financial knowledge and nurture a thriving financial future in the new year.Key Takeaways:Begin the new year by assessing your financial satisfaction to guide future financial decisions.Utilize the financial satisfaction survey tool to identify strengths and areas for improvement in your financial life.Engage in meaningful financial conversations with partners to align satisfaction levels and priorities.Prioritize reflection on your financial journey at regular intervals to track growth and satisfaction.Embrace small, incremental steps to improve financial satisfaction rather than drastic changes.Notable Quotes:"Let me start with moving the level of satisfaction just a little bit, not trying to completely reset my satisfaction with my finances." – Amy Irvine"Experiences you have throughout the year can bring about new thoughts, ideas, concerns, and perspectives on your financial lives." – Amy Irvine"Is there anything that could get it from that 4 to a 5? And maybe a 4 is great and you're one of those people that never achieves fives on things? Perfectly fine." – Amy Irvine"Do you have any ideas what would have helped increase those levels of satisfaction in those areas?" – Amy Irvine"We hope that you found this tool and many more to come as the year goes on to be very helpful." – Amy IrvineResources:Rooted Planning Group – Learn more about Amy Irvine's company and the financial satisfaction survey tool mentioned in the episode.Take the Survey: https://members.moneyquotient.com/s/PwgOG5bL160r6qo2/aExX4k5B9YDpq2oyJoin us in this enlightening episode to kickstart your financial journey towards satisfaction this year. Equip yourself with insight and actionable...

About the Guest(s):Kerrie Beene is a knowledgeable financial advisor with a focus on assisting clients in understanding complex economic matters and their real-world effects. With a strong background in finance and investment management, Kerrie has established herself as an invaluable resource for individuals seeking to make informed decisions regarding their personal and familial financial strategies. She emphasizes the importance of balancing long-term financial goals with short-term economic considerations.Episode Summary:In this insightful episode of Money Roots, hosts Amy Irvine and her guest Kerrie Beene delve deep into the pressing topic of tariffs and their potential impact on both personal finance and the global economy. This discussion is timely, as the new administration under President-elect Trump considers increasing tariffs on goods from Canada, Mexico, and China. The conversation aims to provide listeners with clarity on how these proposed changes could influence household expenses and investment portfolios.As Kerrie Beene helps unpack the implications of potential tariffs, she explains how these policies could affect core goods and the broader market landscape. The conversation touches on key issues like increased consumer costs, political strategies behind tariffs, and how past tariff implementations provide valuable lessons. Kerrie highlights the delicate balance required in managing both personal finances and investments in light of shifting economic policies. The episode offers valuable insights into understanding risk tolerance, diversifying investments, and keeping a long-term perspective amidst political change.Key Takeaways:Tariffs on goods from countries like Canada, Mexico, and China can significantly influence consumer costs for core goods and have varying impacts on personal finances.Understanding the political motivations and negotiating tactics behind tariffs is crucial for assessing their potential economic impact.Diversification in investments, including a mix of domestic and international stocks, is essential for mitigating risks associated with trade policy changes.Risk tolerance should be reassessed in light of changing economic policies, maintaining a focus on long-term goals amidst short-term market fluctuations.Decision-makers must navigate a complex landscape that involves managing interest rates and balancing economic growth with trade negotiations.Notable Quotes:"One thing that I do think it's interesting is how some of the very specific tariffs that have came up in the recent years... you get to the other side of them and then, okay, well, this is on negotiation, washing machines and solar panels." – Kerrie Beene"I think moving forward, again, back on my balance word, I think really understanding how you're invested and is it in alignment with your long-term goals." – Kerrie Beene"It's not one thing ever that does anything to the economy. Right. It's all these moving parts that does something." – B"As far as like when people ask me what do you think this will go do to the economy, it's not one thing ever that does anything to the economy." – B"But I would say keeping a long-term perspective with maybe some short-term thoughts and education around how you're going into 2025." – Kerrie BeeneResources:Learn more about Rooted Planning Group by visiting their website.For a deeper understanding and additional insights into managing your personal finances in light of current and future economic policies, be sure to listen to the full episode. Stay tuned for more engaging discussions on Money Roots to continue growing your financial acumen.