Money Talks News: The Podcast

In this episode of Money Talks News, the podcast dives into the challenging housing market as Stacy Johnson and Miranda Marquit discuss strategies for buying a home despite high rates and low inventory. They are joined by real estate expert Mindy Jensen from BiggerPockets. Mindy shares insights on preparing finances, creative financing options, and the pitfalls to avoid in such a tight market. The conversation extends to the recent legal changes affecting real estate agent commissions, offering listeners a thorough understanding of the current landscape. Whether you're an eager buyer or a cautious renter, this episode provides valuable advice and perspectives. 00:00 Welcome to Money Talks News: Navigating the Housing Market00:33 Expert Insights with Mindy Jensen on Real Estate01:32 The Art of Live-In Flips and Tax Benefits03:16 Navigating a Tough Market: Strategies and Stories09:44 Financial Strategies for Buying in a High-Rate Market10:57 Understanding Mortgage Payments and Home Affordability14:50 The Rent vs. Buy Debate in Today's Market18:02 Exploring Alternative Financing and Investment Strategies19:56 The Risks and Rewards of Margin Loans for Real Estate23:12 Making Decisions in a Challenging Real Estate Market24:20 Navigating Real Estate Pricing and Mortgage Payments26:11 The Art of Negotiation and Seller Financing32:52 Exploring Mortgage Assumptions and Creative Financing42:36 Adjustable Rate Mortgages: A Risky Solution?45:17 The Future of Real Estate Commissions and Buyer's Agents Existing home sales surged 9.5% in February 2024, the largest increase in a year. Even with the rate of home sales slowing down a bit, they remain relatively strong. With home sales still fairly strong, we're not likely to see prices come down anytime soon. Combine that with relatively high mortgage rates, and it's definitely NOT a buyers market. But what if you're ready to buy a home anyway? What can you do to best position your finances to get ready to buy a home, no matter what's going on with the market? In this episode we welcome back a friend of the show Mindy Jensen from BiggerPockets to help us sort out how to get the best bang for your homebuying buck. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations. Before investing in anything or making any money moves, do your own research and make your own decisions. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money. Why is the housing market so tough for buyers right now? We start by taking a look at why the housing market is so tough right now—and why prices remain stubbornly high. Some of the reasons that home prices haven't come down as much as we'd like: There remains a housing shortage of at least 1.5 million homes. It can be difficult to buy a home on a current income since home prices have far outpaced wage growth in recent years. Coming up with a down payment can feel challenging in the current climate. On top of that, there are concerns about how the recent settlement with the National Association of Realtors could impact buyer representation and costs for buyers. However, some of these pressures might finally help bring home prices down, at least in some markets. Depending on where you hope to buy, you might be able to find lower home prices as you move forward with your homebuying journey. Tips for preparing your finances for buying a home in any market Our episode includes helpful information on buying a home, pointing out that it depends on your goals. Trying to time the housing market, especially when you're looking for your primary residence, might not make much sense in the long run. We reference a past episode featuring Mindy, which offers tips on getting the best homebuying deal possible. But we also talk about some of the realities of getting financing these days. You don't need to put down 20%, even though that's the conventional wisdom. Indeed, first-time homebuyers often put down 6%, and some conventional programs through Fannie Mae and Freddie Mac allow as little as 3% down. Figuring out how to come up with a down payment is one of the most difficult parts of the process. Government programs can help you get a lower down payment. We talk about FHA loans and VA loans as ways to get help financing a home with a low down payment. Another option is to use seller financing. If you can work out a deal with the seller, and they don't need an immediate chunk of cash, you might be able to convince someone to help you with a deal. Keep your credit score as high as possible and make sure you have a low debt-to-income ratio to increase your chances of being approved at the most competitive rates. Understand your goals for buying. In some cases, getting a cheap live-in fix and flip, like what Mindy does, can be a way to make the most of your dollars—as long as you have the ability to upgrade the home yourself. We also spend some time on the rent vs. buy debate. In the end, figuring out why you want to buy is essential to moving forward. Miranda also talks a little bit about how much she likes renting. Meet this week's guest, Mindy Jensen Mindy Jensen is a licensed agent in Colorado, and has been buying and selling houses for more than 20 years. She's the Community Manager for BiggerPockets.com, and the host of the BiggerPockets Money Podcast. Website Podcast Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Editor's Note: This episode initially aired on June 22, 2023. It may contain some details that are out of date. Are you familiar with Roth IRAs? If you're not, you should be, because Roth IRAs are a great way to get tax-free income after you retire. There is a potential fly in the ointment, however. Namely, not everyone qualifies for a Roth. If you make too much money, Uncle Sam says you can't use 'em. But there's a way around that rule: Fund a regular retirement account, then roll it over to a Roth. It's called a backdoor Roth. Sounds sneaky, right? Should you do it? And if so, how do you go about it? Let's find out. In this podcast episode, we're talking about how to convert an IRA to a Roth IRA without getting eaten alive by income taxes. In addition, we'll be talking about nearly every facet of Roth accounts and why they should be an integral part of every retirement strategy. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week's guest is Ed Slott, the founder of IRAhelp.com. He's ready to tell us why a Roth conversion is his No. 1 tax tip for this year. Before we start, remember this isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Using an IRA for your retirement We talk about individual retirement accounts (IRAs) in this episode. Here are some great resources on how to make the most of your IRA — whether you get a traditional or a Roth. Investing in Gold and Gold IRAs: 5 Things You Need to Know The 7 Most Popular IRA Investments 15 Mistakes People Make With Roth IRAs Got an IRA? Here’s How to Use the Bear Market to Your Advantage How a Roth IRA Conversion Turns a Stock Market Plunge Into a Plus 8 Ways to Maximize Your Traditional or Roth IRA How to Buy Real Estate With Your IRA If you decide to do a Roth conversion, like our guest Ed suggests, make sure you know the rules. We recommend checking out Investopedia's article "Roth IRA Conversion Rules." Learn more about retirement accounts An IRA isn’t your only choice for retirement. There are different accounts and strategies you can use to make the most of your golden years. Here are some great resources for getting more out of retirement. My Retirement Savings Are Shrinking. Should I Worry? How to Retire at Any Age Using Your Retirement Number 12 ‘Course Corrections’ That Will Improve Your Retirement The Top 11 Sources of Retirement Income, According to Retirees 5 Dumb Retirement Mistakes Everyone Makes How to Boost Your Social Security by 30% + 7 Tips for a Richer Retirement How to Save for Retirement, Decade by Decade 11 Huge Retirement Costs That Are Often Overlooked 9 Topics to Tackle Now to Survive Retirement With Your Spouse 8 Countries That Offer Retirement Visas to Americans How 401(k) Plans Could Soon Be More Like Pensions Have a 401(k)? Here’s a Secret Retirement Plan You Probably Don’t Know About 7 Key Habits of 401(k) and IRA Millionaires 4 Ways to Save for Retirement Without a 401(k) Why a Solo 401(k) Offers Big Savings Opportunities for the Self-Employed Meet this week's guest, Ed Slott[caption id="attachment_426514" align="alignnone" width="1920"] Courtesy of Ed Slott / Money Talks News[/caption] Ed Slott is a nationally recognized IRA distribution expert, television personality, and best-selling author who has dedicated his life to educating Americans on the intricacies of IRAs.  He was named "The Best Source for IRA Advice" by The Wall Street Journal. Slott is the author of numerous highly acclaimed books, including his latest, "The New Retirement Savings Time Bomb" (Penguin Random House, 2021) and "Ed Slott's Retirement Decisions Guide: 2022 Edition" (IRAHelp, 2022). He has also hosted several public television programs, including his latest,  "Ed Slott's Retirement Freedom," and is a professor of practice at the American College of Financial Services. IRAhelp.com Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

No doubt you've imagined being financially independent: No job necessary, no money worries, no debt and plenty of savings. Of course, "financial freedom" means means different things to different people, but one thing's for sure: Not many of us are there yet. One recent survey found that only about 11% of Americans are living their definition of financial independence. But no matter what financial freedom means to you, there are some steps you can take to get there faster. And that's what we're going to talk about today's podcast. We're talking to Gigi Gonzalez, the author of the best-selling book Cultura & Cash. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations. Before investing in anything or making any money moves, do your own research and make your own decisions. You can listen with the player at the top of this article, or download the episode wherever you get your podcasts: Listen on Apple PodcastsListen on Google PodcastsListen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money. "Traditional" Personal Finance Advice Doesn't Work for EveryoneOur guest Gigi talks about how some of the personal finance advice that we typically receive doesn't always work for everyone. (Check out this article from Kiplinger on how budgeting advice is often flawed.)Some of the reasons that standard personal finance advice doesn't work for first-generation Americans have to do with some of the cultural norms surrounding money.Gigi gives the example of lending money to family (and friends). We're often told to "just say no" or help in other ways, but that might not be the norm, depending on your culture.We also assume that debt shouldn't be used to improve financial fortunes, but many people need some type of debt—especially student loan debt—to move into the next socioeconomic bracket.Yes, paying off high-interest debt should probably be a priority, but how you tackle it might look different.We go through ways that you can shift your mindset around money and look for creative ways to interact with money once you understand your money story and how it impacts you.Steps for Using Money Advice That Works for YouDon't forget that you can take some of the money advice you see and tweak it for your circumstances.Set money goals that work for you, by asking important financial questions that are relevant to your situation.Get away from the "supposed tos" and the prescriptive checklists. Not every frugal habit is worth it. Carefully consider which habits you want to change, and think about why you want to change those spending and money habits.Rules of thumb can be useful, but don't assume they're the answer to everything.Meet this week's guest, Gigi Gonzalez Giovanna "Gigi" Gonzalez is a TikTok influencer, financial educator, and author of the bestselling book Cultura and Cash. During The Great Resignation, she quit her 10-year corporate career to pursue her true passion: teaching financial literacy to young adults. Gigi teaches personal finance and career navigation for First Gen at various organizations and on her TikTok account. She was named 40 under 40 by the Hispanic Alliance for Career Enhancement, "Latinx to Watch" by Hispanic Executive Magazine and Top 25 Creator by Fast Company. WebsiteInstagramTikTok Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Editor's Note: This episode initially aired on July 20, 2022. It may contain some details that are out of date. According to one recent survey, only 4% of Americans have $1 million or more in retirement savings, which means 96% of us don't. Of course, depending on your situation, a million bucks may be overkill: Many people could fund their retirement years for a lot less. Still, it's a nice, round number, and one worth shooting for. Obviously, however, that's a lot of money. Is it even possible to get there? In a word, yes. And that's what we're going to talk about today: building a million-dollar nest egg, and just as important, how to figure out how much you're actually going to need. As usual, co-hosts Stacy Johnson and Miranda Marquit are joined by producer Aaron Freeman. This week's special guest is Roger Whitney, the Retirement Answer Man. Remember, even though we sometimes talk about specific investments on this show, don't take them as recommendations because they're not. Before investing in anything, do your own research, and make your own decisions. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money and our YouTube page for more videos. https://youtu.be/US5Vk5nThuI Is $1 million enough to retire on? It sounds like a lot of money, but is $1 million enough to retire on? What you really need to do is figure out how big your nest egg should be and go from there. Whether $1 million is enough depends on your own situation. Check out how long $1 million will last during retirement. Read our article on the retirement numbers you should know as you plan your golden years. Where does your retirement income come from, anyway? Check out our overview of where most retirees get their money. Find out where you fit in when it comes to your retirement savings, based on your age. Our guest has a great podcast episode on investment returns and inflation during retirement. Tips for building a $1 million nest egg Ready to build your wealth? We talk about ways you can get your nest egg to that elusive $1 million mark. We have an article on how to retire with at least $1 million in the bank. Before you assume the 4% rule is still good, check out our article on rethinking this popular retirement planning strategy. Don't let taxes drain your retirement. Read our retirement tax tips to help you keep more of your money. We've got some strategies that can boost your retirement savings by $1.7 million. Before you quit your job, read our article about how to protect your nest egg after you call it quits. Make the most of your retirement with our 65 tips for a healthy, wealthy and happy retirement. Meet this week's guest, Roger Whitney Roger has been a financial advisor for more than 25 years and is the host of the award-winning Retirement Answer Man podcast. He is on a mission to change the way the world thinks about retirement, one little conversation at a time. Roger established Rock Retirement Club in 2018 to help foster a safe online space for soon-to be retirees to learn, plan, and interact with other like-minded folks on the path to retirement. As if that's not enough to keep him busy, he is the author of "Rock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future," a Forbes online contributor, creator of the Agile Financial Planning process, and past instructor of the Retirement Planning & Employee Benefits CFP certificate program at the University of Texas at Arlington and of Wealth Management at Texas Christian University. Investopedia has named him to the Top 100 Most Influential Advisors 2017-2021, and he has brought home Plutus Awards for Best Financial Planner Blog (2019) and Best Retirement Blog (2015 and 2017). Website Twitter Facebook YouTube LinkedIn Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Welcome to the Money Talks News Podcast. In this episode we're talking about steps you should be taking right now to achieve financial freedom. No doubt you've imagined being financially independent: No job necessary, no money worries, no debt and plenty of savings. Of course, "financial freedom" means means different things to different people, but one thing's for sure: Not many of us are there yet. One recent survey found that only about 11% of Americans are living their definition of financial independence. But no matter what financial freedom means to you, there are some steps you can take to get there faster. And that's what we're going to talk about today. Today's guest is Jamila Souffrant, the founder of the award-winning podcast Journey to Launch and the author of the book Your Journey to Financial Freedom: A Step-By-Step Guide to Achieving Wealth and Happiness. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations. Before investing in anything or making any money moves, do your own research and make your own decisions. Listen to the episode using the player at the top of this article or download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money. How to Reach Financial Independence Our guest Jamila has some great insights into reaching financial independence—whatever that means to you. We've also got some resources on how to take the steps to reach financial freedom. Plus, you can also get Stacy's book, Life or Debt. It's got helpful information on taking steps on your path to financial freedom. Side Hustle Success: Financial Freedom From Lipstick and Bras From Overwhelming Debt to Financial Freedom: How National Debt Relief Saved Lindsay's Life How to Reach for Financial Freedom with House Hacking 3 Ways Most Americans Define Financial Happiness 5 Ways to Kick-Start Your Journey to Financial Independence 17 Lessons From Regular People Who Achieved Financial Independence 15 Important Lessons From Financial Independence Blogs 5 Tips to Make Better Financial Decisions Sabotage: 10 Ways You're Crippling Your Financial Future Good vs. Bad Debt: A Quick Guide to Borrowing Wisely for Financial Success 15 Key Financial Terms to Know to Plan a Successful Future 9 Ways to Be More Financially Aware and Successful 11 Guidelines for Building a Financial Plan for the Life You Want Smart money moves for your future Don't forget that some of the money moves you make today can have a big impact on your financial future. Check out how to get more from your money and learn how to plan for the future. The Biggest Risk in Financial Planning: Avoiding Risk How to Boost Your Odds of a Successful Retirement to 97% How and Why to Pass on Financial Values to Your Heirs The Big Con: Outsmarting the 5 Sneakiest Financial Scams How to Balance Taking Care of Your Long- and Short-Term Financial Goals 28 Investing Tips From Today's Financial Geniuses Is a Financial Advisor Better Than a Financial Coach? The 7 Most Common Financial Regrets and How to Avoid Them How to Start Investing — No Matter How Much Money You Have The Top 4 Investing Blunders and How to Avoid Them The Right Advisor Can Double Your Retirement Savings: 4 Tips to Find One 9 Financial Bucket List Items to Check Off Before 60 10 Ways to Get Your Financial Life in Order How To Worry Less and Feel Good About Your Financial Future Boost Your Financial Fitness With These 11 Small Money Moves How to Leave a Financial Legacy of Generational Wealth Meet this week's guest, Jamila Souffrant Jamila Souffrant is the author of "Your Journey To Financial Freedom A Step-by-Step Guide to Achieving Wealth and Happiness" and the host of the Journey To Launch podcast. She is considered a go-to thought leader in the personal finance field and her work has been featured in BuzzFeed, ESSENCE, Refinery 29, Money Magazine, CNBC, CBS, Business Insider and more. The Journey To Launch Podcast has over 4+ million total downloads and was listed by the NYTimes as a podcast to help you get better with your money. Jamila and her husband saved $169,000 in two years, is also a mother of three young children and lives in Brooklyn, NY. Website Podcast Twitter/X Facebook Instagram YouTube Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Editor's Note: This episode initially aired on July 13, 2022. It may contain some details that are out of date. Even with talk of a cooling housing market, prices are still high, and inventory is still low. If you're looking for a good deal, what are you supposed to do? This week we're going to find out how to find a great real estate deal no matter the market. As usual, co-hosts Stacy Johnson and Miranda Marquit are joined by producer Aaron Freeman. Today's special guest is Mindy Jensen from the real estate investing and education website BiggerPockets. Remember, even though we sometimes talk about specific investments on this show, don't take them as recommendations because they're not. Before investing in anything, do your own research, and make your own decisions. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money and our YouTube page for more videos. https://youtu.be/pXbYYIpisxA What's going on with the housing market? Things might be slowing down a bit, but the housing market is still red-hot in some areas. Where is the housing market overheated, and where is it likely to maintain its value? Check out our slideshow on 20 overvalued housing markets. One of these markets is in Boise, Idaho. Miranda lives in Idaho! Not all cities have seen a housing boom. Check out our article on some cities where homeowners remain underwater. Real estate really is local. Worried about a coming pullback? You might be fine if you live in one of the real estate markets likely to hold their value. Are we really in a housing market bubble? Listen to our previous podcast episode with Mindy, talking about what's next for the housing market. Before you buy a home, make sure you're not in one of these housing markets that are likely to drop. How affordable is it to buy a home? Check out the St. Louis Fed's housing affordability index and the NAR affordability index. Interested in the relationship between mortgage rates and housing prices? Check out this analysis by the Urban Institute. Tips for finding a good deal on a home Mindy thinks that it's possible to find good deals no matter what the housing market looks like. Get to know your local real estate market and start deal hunting if that's what you're interested in. First-time homeowner? Check out our article on buying your first home. Learn how to buy a home even if you have a small down payment. Stacy has advice on how to decide whether to rent or buy a house. Looking for the best location? We've got an article full of tips on finding the best location for your home. It's not always about buying a home to live in. Check out our list of cities where you can make bank when you buy a rental property. Use our tips on how to find a good rental property. Want a place to live and make money as well? Check out the BiggerPockets guide to house hacking. Meet this week's guest, Mindy Jensen[caption id="attachment_396560" align="alignnone" width="1920"] Mindy Jensen / Money Talks News[/caption] Mindy Jensen is a licensed agent in Colorado, and has been buying and selling houses for more than 20 years. She's the community manager for BiggerPockets.com, and the host of the BiggerPockets Money Podcast. Website Podcast Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Welcome to the Money Talks News Podcast. In this episode, we're talking about how you can have a good time without breaking the bank. Hey, we all need a little fun in our lives, right? What's the point of grinding it out at work, going home, fretting about money, and then sleeping? But here's the rub: The cost of having fun continues to rise at a faster pace than inflation, and that's keeping some of us home. So today is all about having a riot without breaking the bank. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Our special guest is Vee Weir, the host of the For Fox Sake podcast. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations. Before investing in anything or making any money moves, do your own research and make your own decisions. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money. Save money with frugal fun You don't need to spend a lot of money to have a good time. Vee has lots of great ideas for enjoying yourself without breaking the bank. Here are some of our best resources for saving money when trying to have a good time. 9 Tips to Tackle Your Financial Goals and Still Have Fun 11 Restaurant Apps That Offer Free Food and Drinks 12 Affordable and Fun Date Ideas 18 Best Staycation Ideas for Frugal Families 10 Secret Ways Frugal Travelers Slash Their Costs 17 Ways to Have More Fun for Less Money How to Have a Great Wedding on a Small Budget 10 Countries Where Retirees Have the Best Quality of Life The 15 Most Affordable Cities to Live in the U.S. 9 Affordable Streaming TV Bundles That Can Replace Cable 38 Affordable Experience Gifts for Everyone on Your List 7 Affordable Dinner Party Recipes That Guests Love How To Make an Affordable Charcuterie Board for Under $35 The 10 Most Affordable Places for Homebuyers 3 Affordable Mediterranean Havens 15 Most Affordable Cities for Family Vacations 7 Great Affordable Baby Shower Gifts 8 Places to Find a Discount Massage Other ways to save money on almost anything We've got lots of other ways to save money on almost anything. Check out these other resources on living frugal and making the most out of every dollar. How to Get High-Speed Internet Without Cable or a Phone Line 19 Streaming Services With Free Trials 15 Things You Should Always Buy at Yard Sales 5 Ways to Save Money That Few People Consider 4 Easy Ways to Save Hundreds of Dollars on Your Internet Bill 11 Ways to Score Free Stuff on Amazon 8 Ways to Do Laundry Smarter and Save Money Depression-Era Hacks and Frugal Living Ideas to Save Money Now 13 Things Frugal People Never Do Frugal Living Guide: How to Have Less Stuff and Save Money What to Do If You're More Frugal Than Your Spouse 10 Frugal Living Tips for Young Families 7 Strategies for Frugal Urban Living 12 Money-Saving Tips to Enjoy a Frugal Retirement Meet this week's guest, Vee Weir[caption id="attachment_476216" align="alignnone" width="1920"] Courtesy of Vee Weir / Money Talks News[/caption] Vee Weir is an award-winning, anti-capitalist personal finance content creator and business owner. Her main focus and mission is to challenge common money myths, dismantle barriers preventing access to financial information and examine how capitalism negatively impacts the working class. Her podcast, For Fox Sake, focuses on helping folks navigate late-stage capitalism through sustainable budgeting and realistic financial education. In the past eight years, Vee has amassed a following of over 35,000 online and has been featured in Forbes, Business Insider, CNBC and more. When she's not online, she spends her time hiking with her husband and three dogs in the Rocky Mountains of Colorado or sipping a mocktail with her nose in a Romantasy. Website Podcast Instagram Threads Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Here's one of our best podcasts from the archive that you may have missed.Thanks for listening to Money Talks News…the podcast!   Let's start with a question: Do you have enough in your retirement account? According to a recent report from Vanguard, the average American has around $140,000 saved for retirement. For those 65 and older, that average balance is about twice that, or $280,000. Sounds like a lot, right? But for many people, even with Social Security, it's not going to be enough. If that's you, let's fix it. In this podcast, we help you create a plan to beef up those retirement savings. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week's guest is a friend of the show, Joe Saul-Sehy from Stacking Benjamins. Disclaimer:Remember, even though we sometimes talk about money and specific investments, never take them as recommendations. Before investing in anything or making any other money moves, do your own research and make your own decisions. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or download the episode wherever you get your podcasts: Listen on Apple PodcastsListen on Google PodcastsListen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money and our YouTube page for more videos. Are you ready for retirement? The Employee Benefit Research Institute points out that 7 in 10 workers are confident they can retire comfortably. In this show, we talk about the potential disconnect between what you might think is enough and what's actually enough. Here are some articles that can help. How Much People Have Saved for Retirement at Every Age6 Big Obstacles to Having a Comfortable RetirementMost People Say They've Reduced or Stopped Saving for Retirement Because of Inflation4 Generations Share the Age They Started Saving for RetirementHere's the New Magic Number for Living Comfortably in Retirement6 Reasons Americans Are Fast-Tracking Their Retirement9 Signs Your Retirement Is on TrackEven Millionaires Share These 4 Retirement Worries7 Reasons Americans Seniors Stay Frugal in Retirement10 Reasons Today's Older Workers Are Delaying Retirement How to create a retirement plan that works for you Stacy mentions his book "[amazon url="https://www.amazon.com/Life-Debt-2010-Financial-Freedom/dp/1439168601" text="Life or Debt"][/amazon]," as a good starting point to help you figure out what you want out of life—and how to prioritize it. Joe and Miranda also have some good ideas for creating a retirement plan you'll stick with. We also mention our podcast on paying off your mortgage aggressively so you have more money available in retirement. Let's take a look at some great Money Talks News resources about planning for retirement. 15 Tips for Those Within 10 Years of RetirementPre-Retirement Checklist: What to Do Within 5 Years of RetiringFinancial Advisers Say These Are the Top 10 Retirement Planning MistakesOver 50? Here's How to Catch Up on Retirement SavingsHealth Savings Accounts and Why They Are Great for Retirement (Miranda never gets tired talking about HSAs.)Is a Bond Ladder Strategy Right for Your Retirement?4 Things You Can Control in Retirement13 Types of Retirement Income That Are Not Taxable3 Things You Should Do – and Not Do – to Prepare for Your Retirement6 Ways to Guarantee Yourself a Steady Retirement IncomeSequence of Returns Risk and How to Protect Your Retirement From It Meet this week's guest, Joe Saul-Sehy Joe is a former financial adviser (16 years) and represented American Express and Ameriprise Financial in the media. He was the "Money Man" at Detroit television station WXYZ-TV, appearing on air twice weekly. He's appeared in Bride, Best Life, and Child magazines, and in the Los Angeles Times, Chicago Sun-Times, Detroit News and Baltimore Sun newspapers. He's also appeared online in more than 200 different places, including CNBC.com and WSJ.com. WebsiteStacking Benjamins PodcastTwitterInstagramLinkedIn Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Welcome to the Money Talks News Podcast! In this episode, we're talking about paying off your mortgage early so you can put that money to better use. Fewer than half — 40% — of homeowners are mortgage-free, according to a Bloomberg analysis. And many of those are baby boomers. Being mortgage-free is often seen as a big milestone on the journey to financial freedom. So, how do you become one of the favored few who pay off their mortgage before the 30-year term is up? Let's find out. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Today's guest is Andy Hill, founder of Marriage, Kids and Money. He paid off his mortgage early not too long ago and he's going to tell us exactly how he did it — and how it improved his finances and his life. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations. Before investing in anything or making any money moves, do your own research and make your own decisions. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money. How to buy a home As you get ready to buy a home, there are a lot of moving parts. Here's what you need to know about getting the best deal when you buy a house — no matter where you live. How to Buy a Home Responsibly 15 Critical Things to Look for When Touring an Open House 15 Cities Where It's Cheaper to Buy a Home Than Rent The 10 Worst Places to Buy a Home If You Want It to Gain Value How Much Does It Cost To Sell a House? House Hunting? Here's How to Choose the Right Neighborhood What You Need to Know About Buying a Country House Should You Buy a House or a Townhouse? Is Now a Good Time to Buy a House? Here Are Some Questions to Consider 12 Tips for Buying Your First House How Much Are Closing Costs When Buying a House? 5 Things to Know About Buying a Fixer-Upper House 5 Ways to Buy a House With a Small Down Payment What you need to know about mortgages When you buy a home with a mortgage, you need to know how it works, and the best way to tackle it. Plus, you also need to figure out whether you think you'll actually pay off your mortgage, and whether you think it's a good idea. What You Need to Know About Taking Out a Joint Mortgage How to Get Pre-Qualified for a Mortgage 7 Ways To Pay Off Your Mortgage Years Earlier How Making 1 Extra Mortgage Payment Could Shave Years Off Your Debt Should You Pay Off Your Mortgage or Invest? Should You Refinance Your Mortgage? 7 Times When It's Smart Not To Pay Off Your Mortgage Early 4 Arguments for Retaining Your Mortgage in Retirement Does a Reverse Mortgage Make Sense? 3 Things to Know Meet this week's guest, Andy Hill Accredited Financial Counselor Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping families build wealth and happiness. Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With millions of podcast downloads and video views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.When he's not "talking money," Andy enjoys being a soccer dad, singing karaoke with his wife and relaxing on his hammock. Website Facebook Instagram YouTube Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Here's one of our best podcasts from the archive that you may have missed. Original air date: February 27th, 2021 Not long ago, the phrase "working in retirement" was an oxymoron, much like "bittersweet" or "act naturally." After all, if you're working, you're by definition not retired. But that was then. These days, working at least part-time while retired is increasingly common. According to one survey, 27% of pre-retirees said they planned to work part-time in retirement and among recent retirees, 19% work part-time. Why so much working during retirement? More likely than not, because of money. As we explain in articles like "8 Reasons Your Parents Had an Easier Retirement Than You Will," pensions are rapidly disappearing, replaced by much less reliable accounts like IRAs and 401(k)s. And as retiree income is falling, costs are rising. On the plus side, however, while more retirees may be forced back into the workplace to make ends meet, there are more ways than ever to bring in a bit of extra bacon. In short, in my parent's generation, retirement meant not working at all. But for us boomers, retirement is morphing into something different. It's not about doing nothing. Hopefully, it's about being productive and making money, but by doing what you want to do, rather than what you have to do. What kind of work will today's (or tomorrow's) retiree look forward to doing? Will it be easy to find pleasant, lucrative work? Should we start long before we retire? In this week's "Money" podcast, we're going to find answers to these questions, as well as many more. Our guest is author and super-popular podcaster Paula Pant from Afford Anything. She's smart, funny and knowledgeable -- you'll have a good time listening to her. As usual, my co-host will be financial journalist Miranda Marquit, and we're joined by our producer and sound effects guy, Aaron Freeman. Sit back, relax and listen to this week's "Money" podcast! Listen on Apple PodcastsListen on Google PodcastsListen on Spotify [related] Not familiar with podcasts? A podcast is basically a radio show you can listen to anytime, either by downloading it to your smartphone or other device, or by listening online. They're totally free. They can be any length (ours are typically about a half-hour), feature any number of people and cover any topic you can possibly think of. You can listen at home, in the car, while jogging or, if you're like me, when riding your bike. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to a podcast yet, give it a try, then subscribe to ours. You'll be glad you did! Show notes Want more information? Check out these resources: "7 Tips for Getting a Great Part-Time Job in Retirement""10 Stats About Working in Retirement""This Job Board Specializes in Remote Work and Flexible Gigs""5 Reasons You Should Work for as Long as You Live""15 Jobs for Retirees That Can Be Done From Home""8 Signs That It's Time for You to Unretire"AARP: Job Search Resources for 50+Subscribe to the Money Talks News newsletterTake our The Only Retirement Guide You'll Ever Need courseTake our Money Made Simple courseAbout me I founded Money Talks News in 1991. I'm a CPA, and have also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Welcome to the Money Talks News Podcast. This podcast is all about making you richer. And at the end of the day, there are only two ways to do that: either you make more, or you spend less. In this episode, we're going to talk about ways to spend less, BUT, doing it without sacrificing your quality of life. That's right: I'm talking financial gain without lifestyle pain. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Today our guest is Gina Zakaria, a viral TikTok sensation and author of the book Simple Secrets to Becoming a Saving Whiz. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations. Before investing in anything or making any money moves, do your own research and make your own decisions. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money. How to save more money Gina takes us through her process for figuring out how to save a little extra and do it without feeling a lot of pain or making dramatic changes. We've got plenty of tips and tricks for how you can easily cut costs. Depression-Era Hacks and Frugal Living Ideas to Save Money Now 10 Ways to Change Bad Spending Habits and Save Money 11 Ways To Save Money on Food Without Using Coupons 12 Simple Ways To Save Money in Retirement 25 Tips for How to Save Money If Your Paycheck Is Stretched Thin Frugal Living Guide: How to Have Less Stuff and Save Money 13 Ways To Save Money on Road Trips 5 Easy Home Repairs That Save Money How to Use Gift Cards to Save Money 5 Best Ways to Save Money for Kids 15 Ways to Save Money on Prescription Drugs 15 Ways to Save Money on Vacation What to do with all the money you save Now that you have saved some money, you can put it to good use. Pay down debt, start an emergency fund or invest for the future. Once you've got a handle on saving money, we've got some great resources that can help you put your money to work on your behalf. 8 Surefire Ways To Get Rid of Debt ASAP 5 Tips to Deal With Debt When Interest Rates Are Rising Debt Consolidation vs. Debt Settlement: 5 Things You Need To Know How to Destroy Your Debt and 3 Things to Do Next How to Start an Emergency Fund From Scratch so You're Prepared for Anything 9 Tips for Starting an Emergency Fund Today How to Start Investing — No Matter How Much Money You Have The Top 4 Investing Blunders and How to Avoid Them Why Index Fund Investing Is Good for Your Retirement 4 Ways to Tax-Proof Your Investment Portfolio Are You an ‘Emotionally Intelligent' Investor? Should You Pay Off Your Mortgage or Invest? Meet this week's guest, Gina Zakaria Gina Zakaria (known as the Saving Whiz to her 5 million+ followers on social media) is a personal finance educator, published author, and savings expert. She founded Saving Whiz after learning many money lessons the hard way as she paid off her six figures of debt with her husband and achieved financial freedom. Saving Whiz is a money education platform specifically designed to share simple strategies to help women take charge of their finances the easy way. She's been in the money space for over 20 years and has been featured in Forbes, Money Magazine, Good Morning America, NBC Today, and other prominent personal finance publications. Her approach of simplicity and small, gradual steps has been embraced by people around the world and has helped them transform their lives and eliminate the stress and overwhelm from the process. Website Facebook Instagram YouTube TikTok Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Welcome to the Money Talks News Podcast. In this episode, we're talking about how asking the right money questions can help you find your own version of financial freedom. When it comes to money, most people want answers. But sometimes getting ahead isn't about getting answers, it's about asking the right questions. Like WHY we're doing what we're doing and where we want to end up when we do it. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week we welcome back Matt Schulz, the chief credit analyst at Lending Tree and author of the book Ask Questions, Save Money, Make More: How to Take Control of Your Financial Life. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations. Before investing in anything or making any money moves, do your own research and make your own decisions. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money. The money decisions you make have an impact Understanding the impact of your money decisions is an important part of long-term financial success. Part of that is asking the right questions. In this episode, we cover the questions you can ask to improve your understanding of money—and make better financial decisions. We also have some resources on the website that can help you navigate your money choices: 5 Bad Decisions That Harm Retirement Readiness the Most — and 5 Choices That Boost It The Best Sources to Help You Make Great Financial Decisions 5 Tips to Make Better Financial Decisions 5 Decisions That Can Make or Break Your Retirement 15 Tips for Making the Best Social Security Decisions Depression-Era Hacks and Frugal Living Ideas to Save Money Now 6 Clever Ideas to Make Money While You Sleep 11 Cheap Business Ideas You Can Start for Less Than $1,000 9+ Flexible Job Ideas for Retirees With Little or No Savings Learn more about important financial areas of your life Our guest, Matt, takes us through some of the best questions to ask about important financial areas of your life, including credit, housing, health and more. We also have a lot of great resources that can help you navigate various money issues. How to Protect Your Kids' Credit 6 Ways to Keep a Stellar Credit Score in Retirement (and Why) How I Got a Perfect Credit Score in 4 Steps How to Raise Your Credit Score Without Getting Ripped Off 7 Ways to Get Your FICO Credit Score for Free 8 Telemedicine Options for Affordable Health Care Without Insurance 13 Habits of Happy and Healthy Aging 6 Medicare Mistakes To Avoid for a Healthy Retirement 98 Tips for a Healthy, Wealthy and Happy Retirement 7 Ways Anyone Can Save on Out-of-Pocket Health Care Costs What To Do When You Can't Find Affordable Housing How to Buy a Home Responsibly 7 Signs That You're Not Ready to Buy a Home 9 Grocery Shopping Mistakes That Will Cost You How the 6-1 Method Makes Grocery Shopping a Breeze A $50-a-Week Meal Plan for 1 When Shopping at Aldi 10 Ways to Save Money Shopping for Clothes Shopping Secrets Revealed: 6 Tricks the Pros Use to Save Hundreds 7 Sneaky Travel Charges to Avoid How to Travel Europe on a Budget 20 Traveling Jobs That Let You See the World Frugal Travelers Love These Economy Hotel Chains Meet this week's guest, Matt Schulz Matt Schulz is a personal finance expert and author of Ask Questions, Save Money, Make More: How to Take Control of Your Financial Life (March 2024), a money manual that empowers you to pay less, earn more and keep more of your hard-earned money by asking the right questions in everyday, real-life situations. A nationally recognized money expert with more than 15 years of experience helping Americans make smarter money decisions, Matt is also the Chief Credit Analyst at LendingTree. He has been featured in various media outlets including CBS Evening News , The Wall Street Journal, The New York Times, Fox Business , CNN Business, Yahoo! Finance, The TODAY Show, NBC Nightly News, Bloomberg, ABC World News Tonight, CNBC, and many more – always with the goal of making the often-complex world of personal finance easier to understand. Twitter/X Facebook Instagram TikTok  LinkedIn Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Welcome to the Money Talks News Podcast. In this episode, we're talking about investing in artificial intelligence, as well as using AI tools to become a more successful investor. The hype around artificial intelligence has been insane, with some calling it the greatest game-changer since the invention of the internet or even electricity! Is it true? Is AI that big a deal? And if so, should we be investing in the companies developing it? And how do we go about harnessing AI to make better investment decisions? We're going to answer both those questions, and more, in this podcast. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week's guest is Kevin Matthews, a former investment advisor and the founder of Building Bread, an investment education website. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations. Before investing in anything or making any money moves, do your own research and make your own decisions. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money. Is AI going to change your life? We talk about AI and how it's starting to permeate various aspects of life. It could change how you live and work—and even how you manage your money. Check out some of our resources on using AI in your finances and other parts of your life. 20 Jobs That Are Safest From Artificial Intelligence Will Robots and Artificial Intelligence Take Your Job? 8 Ways AI Can Help Plan Retirement — and 12 Risks From Using It Using AI to Build Your Resume: Tips and Prompt Examples How to Use AI to Generate Your Cover Letter Hear a Loved One's Voice Calling for Help? It Might Be a Scam How to Invest in AI as ChatGPT Takes Tech by Storm 5 Ways AI Is Changing Your Life, and 5 Ways to Profit From It Resources for better investing You don't have to assume that AI is the only way to invest. We have plenty of resources for better investing—no matter how you go about it. Why Index Fund Investing Is Good for Your Retirement How to Start Investing — No Matter How Much Money You Have The Top 4 Investing Blunders and How to Avoid Them The Investing Combo Linked to a Better Retirement Lifestyle Investing in Gold and Gold IRAs: 5 Things You Need to Know How to Choose Between Active and Passive Investing 28 Investing Tips From Today's Financial Geniuses What Does a Bull Market Mean for Retirement Investing? 7 Things You Should Know Before Investing in I Bonds Meet this week's guest, Kevin L. Matthews II Kevin L. Matthews II is a Plutus Award winner and number one bestselling author. He has helped hundreds of individuals plan for their retirement in addition to managing more than $140 million in assets during his advisory career. In 2017, he was named one of the Top 100 Most Influential Financial Advisors by Investopedia. Kevin launched BuildingBread in 2010 to inspire millennials to set, simplify and achieve any financial goal. Kevin regularly speaks to young adults across the country and has been featured in several media publications and productions including The Wall Street Journal, The New York Times, Forbes, Black Enterprise, CNBC, and many others. Kevin holds a bachelor's degree in Economics from Hampton University, a certificate in financial planning from Northwestern University and a certificate in disruptive strategy from Harvard Business School. In 2020, he graduated from the University of Texas at Austin's McCombs School of Business with a Master's in Technology Commercialization (MSTC). Website Twitter Facebook Instagram YouTube Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Today, we're talking about things people wish they'd known before retiring. Planning for retirement is a tricky business! Lots of moving pieces and parts. Today we're going to share some things real retirees said they wish they'd known before they retired. We're going to focus on five high-impact areas that can add tens of thousands of dollars to your retirement savings. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Friend of the show, Pam Krueger from Wealthramp, returns to share real stories of retirement regrets. Before you listen, remember: This isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can listen to the podcast wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Watch out for these money mistakes In this episode, we discuss specific retirement mistakes, but they're not the only money mistakes you could make. Check out these resources that cover some of the most common money mistakes—not just retirement—and how to avoid them. 5 Surprisingly Costly Mistakes We Make at Gas Stations 15 Common Thrift Store Shopping Mistakes to Avoid 12 Home-Selling Mistakes You'll Regret 16 First-Time Homebuyer Mistakes To Avoid 7 of the Worst Car-Buying Mistakes You Can Make 27 Big Financial Mistakes That Most People Make — and How to Fix Them 14 Mistakes That Are Running Up Your Water Bill 6 Mistakes That Can Cost You a Job Offer in No Time 9 Money Mistakes Setting Fire to Your Future 6 Medicare Mistakes To Avoid for a Healthy Retirement Don't Make These 6 Expensive Financial Mistakes 15 Mistakes People Make With Roth IRAs The 3 Mistakes Nearly Every Investor Makes 6 Estate Planning Mistakes to Avoid Helpful tips for a better retirement Ready to take the next steps for a better, more successful retirement? We've got you. Check out our retirement resources: How Much Do You Need for Retirement If You Live to Age 100? 12 Simple Ways To Save Money in Retirement Over-Saving for Retirement: Advice From People Who Saved Too Much Your Year-End Retirement Checklist: Prepare for a Great 2024 and Beyond 6 Ways to Keep a Stellar Credit Score in Retirement (and Why) 15 Tips to Successfully Downsize in Retirement The Right Advisor Can Double Your Retirement Savings: 4 Tips to Find One The Top 8 Sources of Retirement Income, According to Retirees The Top 10% of Retirement Savers Share These 4 Traits 98 Tips for a Healthy, Wealthy and Happy Retirement 8 Ways AI Can Help Plan Retirement — and 12 Risks From Using It 11 Retirement Milestones Everyone Should Know 12 Hard Truths About Retirement Meet this week's guest, Pam Krueger Pam Krueger is a recognized investor advocate and award-winning personal finance journalist and author. She is the founder and CEO of Wealthramp, an advisor-matching platform that connects consumers with rigorously vetted and qualified fee-only financial advisors. It is the only advisor referral service that gives people full control over when and how they talk to their referred advisors. Her perspectives on personal finance regularly appear in Marketwatch, Forbes, PBS Next Avenue, and she is a frequent speaker on fiduciary financial advice. In addition, Pam is an active volunteer member of the Retirement Income Committee at the Defined Contribution Institutional Investment Association (DCIIA), a non-profit dedicated to enhancing the retirement security of America's workers. She has also served on the California Jump$tart Coalition, an organization dedicated to increasing financial literacy among children and teens, where she created one of their most successful curricula available for K-12 teachers called, Investing Pays Off For Kids. Each year, she spends part of her time in San Francisco, California and lives in Cape Cod, Massachusetts. Wealthramp Podcast: MoneyTrack Podcast: Friends Talk Money X (Twitter) LinkedIn Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

In this episode we're talking about how just about anyone can start investing. When Stacy was an investment broker 40 years ago, investing was a colossal pain in the butt. You needed thousands of dollars to pick up the phone and talk to someone like me; you couldn't just do it yourself. Today, though, things have changed. Did you know you can start investing with as little as $5? And you don't even need anyone's help. Just do it online. And investing is important. Stocks and other risk assets are one of the best ways to build wealth over time. So today we're going help you get started, whether you've got $5 or $5 million. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Today's special guest is Marko Zlatic, founder of Whiteboard Finance. Before you listen, remember: This isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can listen to the podcast wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Investing is one of the best ways to build wealth If you want to build wealth, you need to invest. We have lots of resources on investing in different types of assets, and ideas to help you get started. Investing in Gold and Gold IRAs: 5 Things You Need to Know 5 Simple Tips to Make Money With Stocks Why Index Fund Investing Is Good for Your Retirement 7 of the Best Dividend Stocks to Help Fund Your Retirement The Investing Combo Linked to a Better Retirement Lifestyle Investing In Commercial Real Estate with CrowdStreet How to Choose Between Active and Passive Investing 7 Things You Should Know Before Investing in I Bonds 9 Tips for Sane and Successful Stock Investing 7 of the Best Ways to Invest That Don't Involve Stocks Financial Wisdom: What Is the Best Investment? Find the money to start investing Sure, you can start investing with pocket change. And you should start as soon as you can. But if you're trying to figure out where to find the money to invest more, we can help you with savings articles. Use the knowledge you gain to put more into your nest egg. 25 Tips for How to Save Money If Your Paycheck Is Stretched Thin 51 Fast Ways to Score $1,000 or More 7 Secret Ways to Put More Money in Your Pocket Frugal Living Guide: How to Have Less Stuff and Save Money 21 Products That Will Help You Save Money 11 Ways To Save Money on Food Without Using Coupons 10 Depression Era Hacks and Frugal Living Ideas To Save Money Now 11 Ways to Save Money Using Social Media 12 Ways to Save Money on Health Care How to Use Gift Cards to Save Money 10 Ways to Change Bad Spending Habits and Save Money How to Position Your Investment Portfolio for Tax Advantages 9 Side Hustles Where You Could Earn More Than Full-Time Work 10 Shockingly Simple Ways to Make More and Spend Less Meet this week's guest, Marko Zlatic Marko has been investing since 2006. In 2010, he earned his Bachelor's degree in Finance from the University of Akron. Marko has worked for multiple publicly traded companies in capital markets, risk analysis, and commercial real estate development. In 2017, he started his YouTube Channel, WhiteBoard Finance, which now has over 60 Million views and 975,000+ subscribers. His life's mission is to teach financial literacy and enable people of all backgrounds to become financially independent. WBF University WBF YouTube X (Twitter) Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

In this episode, we're talking about the top four mistakes investors make. When it comes to stocks, we all know we're supposed to buy low and sell high, but for many of us, that's a lot easier said than done. Many investors tend to buy when the market's topping, then panic and sell at the bottom. That's one common mistake investors make, but it's far from the only one. Today, we're talking to a behavioral investing expert about how simple mistakes can lead to big losses, especially during times of economic uncertainty. He's going to help us avoid falling into behavioral traps and make us all better investors. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Our guest is Jason L Smith, CEO and founder of C2P Enterprises and author of The Bucket Plan. Before you listen, remember: This isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can listen to the podcast wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify We all make money mistakes It's impossible to get through life without making a mistake or two. Whether it's listening to the wrong financial guru or even if you make a big mistake (like Miranda) that ruined your credit, we've all been there. We talk specifically about investing mistakes, but we have plenty of resources to help you identify and avoid other money mistakes. 12 Home-Selling Mistakes You'll Regret 7 of the Worst Car-Buying Mistakes You Can Make 6 Mistakes To Avoid When You Turn 65 27 Big Financial Mistakes That Most People Make — and How to Fix Them 14 Mistakes That Are Running Up Your Water Bill 16 First-Time Homebuyer Mistakes To Avoid 10 Embarrassing Mistakes Almost Everyone Makes 5 Retirement Planning Mistakes You'll Regret Forever 9 Money Mistakes Setting Fire to Your Future Investing for the future Don't let the fear of making mistakes keep you from investing. In fact, one of the biggest mistakes is not getting started. Here are some articles that can help you become a better investor. 3 Myths That Successful Investors Wish You'd Stop Believing Saving Is Not Enough: Why You Need to Invest 5 Simple Tips to Make Money With Stocks Investing in Gold and Gold IRAs: 5 Things You Need to Know How to Choose Between Active and Passive Investing 7 Things You Should Know Before Investing in I Bonds 9 Tips for Sane and Successful Stock Investing Environmental, Social and Governance (ESG) Investing: Hope or Hype? How to Invest When Both Stocks and Bonds Are Falling 7 of the Best Ways to Invest That Don't Involve Stocks How to Find the Best Dividend Stocks, Step by Step How to Position Your Investment Portfolio for Tax Advantages Meet this week's guest, Jason L. Smith Jason L Smith, CEP®, BPC is a nationally acclaimed speaker, financial planner, best-selling author, coach, and entrepreneur. He is the Founder and CEO of C2P, as well as JL Smith, his own holistically run financial services practice. Jason is the author of the best-selling book, The Bucket Plan: Protecting and Growing Your Assets for a Worry-Free Retirement, which was recently named by U.S. News & World Report as one of the Top 10 Retirement Planning Books; the only one based on a financial planning process. He also wrote Clarity 2 Prosperity: An Advisor's Guide to Charging Planning Fees for Holistic Planning, and co-authored The Hiring Advantage. Jason's Bucket Plan philosophy inspired a children's book designed to teach kids responsible spending, saving, and earning principles, Days Can Be Sunny for Bunnies and Money. Jason and his wife, Holly, have a daughter, Jordan, and two sets of twins: Berkeley and Wyatt, and Lincoln and Lennon. Jason enjoys reading, grilling, yoga, strength training, and anything that gets him outdoors. Website X (Twitter) Facebook Instagram LinkedIn Threads YouTube Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

In this episode, we predict what will happen to your money in 2024. Israel…Ukraine…a presidential election…inflation…possible recession. A lot is going on that could affect the global economy, as well as your personal economy. It's always dangerous to make predictions, but we're going to do it anyway, as we have for decades here at Money Talks News. Today, we will focus on three main areas: The stock market, the housing market, and interest rates. More than likely, you've got a dog in at least one of these fights, right? So, in addition to predicting what's ahead, we're going to make suggestions on what you should be doing now to prepare.   Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week our special guest is Marc Lieberman, the founder of Shorepine Wealth Management. Friend of the show, Pam Krueger from Wealthramp, is also joining us to talk about what's next. Before you listen, remember: This isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can listen to the podcast wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify 2024 money forecast Are you ready for 2024? What do you think is coming? Our panelists share what they think will happen in various parts of the market—and why. First of all, take a look at what some of the experts are saying from around the web: Business Insider's story on stock market predictions for 2024 U.S. News shares insight into what might happen with stocks due to the presidential election Reuter's reports on potential interest rate cuts in 2024 Bankrate has a housing market prediction for the coming year The Economist shares ten predictions for 2024 And what about our own predictions from past years at Money Talks News? Compare our past performance and check out some other information on the 2024 money forecast: Where Stocks Are Going in 2023 and Where You Should Invest Now Top Money Predictions for 2022 7 Reasons 2024 Could Be the Year Homebuyers Catch a Break 4 Key Financial Goals Everyone Should Have for 2024 7 Ways the Social Security System Will Change in 2024 6 Ways Shopping Could Change in 2024 7 Ways Retirement Laws Will Change in 2024 Off the Beaten Path: 10 Trending Travel Destinations for 2024 Position your finances for a better 2024 As you prepare for the coming year, you can take steps now and early in the new year to set yourself up for better financial success. 6 End-of-Year Money Moves You Should Make Right Now 8 Holiday Gifts To Help Friends and Family Manage Their Money Mind Over Money: How Thoughts Create Wealth 7 Proven Ways to Get Free Money 25 Tips for How to Save Money If Your Paycheck Is Stretched Thin How to Find the Top Entry-Level, High-Paying Jobs 20 High-Paying Part-Time Jobs With Flexibility 9 Energy-Efficient Home Improvements That Save You Money 8 Ways to Get Some Fast Financial Wins 10 Reasons Why Talking About Money Can Give You a Better Future 4 Reasons People Kept Their Money Resolutions in 2023 — and 1 Reason They Failed 10 Bad Money Habits That Are Robbing You Blind   Meet this week's guest, Marc Lieberman Marc Lieberman is the founder of Shorepine Wealth Management, a fee-only financial advisor based in Tiburon, CA serving clients across the country. Marc has spent more than 20 years in the investment industry. He embodies a unique combination of skills that includes managing portfolios ranging in size from less than $1 Million to over $600 Million As a fee-only, fiduciary, and independent financial advisor, Marc Lieberman is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice. Website LinkedIn Meet this week's guest, Pam Krueger Pam Krueger is a recognized investor advocate and award-winning personal finance journalist and author. She is the founder and CEO of Wealthramp, an advisor-matching platform that connects consumers with rigorously vetted and qualified fee-only financial advisors. It is the only advisor referral service that gives people full control over when and how they talk to their referred advisors. Her perspectives on personal finance regularly appear in Marketwatch, Forbes, PBS Next Avenue, and she is a frequent speaker on fiduciary financial advice. In addition, Pam is an active volunteer member of the Retirement Income Committee at the Defined Contribution Institutional Investment Association (DCIIA), a non-profit dedicated to enhancing the retirement security of America's workers. She has also served on the California Jump$tart Coalition, an organization dedicated to increasing financial literacy among children and teens, where she created one of their most successful curricula available for K-12 teachers called, Investing Pays Off For Kids. Each year, she spends part of her time in San Francisco, California and lives in Cape Cod, Massachusetts. Wealthramp Podcast: MoneyTrack Podcast: Friends Talk Money X (Twitter) LinkedIn       Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

In this episode, we're talking about the top scams you're likely to see in retirement and how you can avoid them. Did you know that more than $28 BILLION—that's a billion with a B—is stolen from those aged 60 and older each year? So, how do you avoid becoming a depressing statistic if you're in retirement or approaching retirement? Today, we will talk to an expert on banking for retirees. He's seen it all, and he's ready to talk to us about what you're likely to see—and how to avoid falling victim. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Our special guest is Tony Brancato, the Head of Product at Charlie, a company that focuses on 62+ banking. Before we start, remember this isn't financial advice. So make sure to do your research and consult your own experts before acting on anything you learn here. Additionally, we need to acknowledge our advertising relationship with Charlie. Even though they are one of our partners, it doesn't affect our opinions. You can listen to the podcast wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Scam and fraud can be anywhere — what you need to know Scams are plentiful and fraudsters are becoming more sophisticated. It's important to be vigilant. Our guest talks about some of the most common scams and what you need to know about avoiding them. Plus, he'll share some tools available for those over the age of 62 with the help of the banking product Charlie. In the meantime, check out our resources and further information about scams and frauds: FOMO, Fraud, and Financial Ruin: Lessons From the Crypto Craze Avoid These 14 Holiday Scams and Frauds How to Tell If Fraudsters Have Opened Bank Accounts in Your Name 7 Ways to Protect Your Retirement From Investment Fraud Don't Fall for These 5 Types of Costly Small-Business Scams Free Program Uses AI to Spot Scams Before They Trap You How to Avoid Mail Delivery Phishing Scams 7 Text Message Scams to Avoid and Report Immediately 8 Job Scams and 10 Signs to Watch For Money tips, tricks and resources for financial freedom If you want non-scammy help with various aspects of your finances, we've got you covered. Check out our website for money tips and resources: How to Raise Your Credit Score Without Getting Ripped Off Debt Consolidation vs. Debt Settlement: 5 Things You Need To Know 7 Ways to Get Your FICO Credit Score for Free How to Save on Shopping Using Credit Card Perks How I Slashed $25,000 in Credit Card Debt to Zero 5 Tips to Deal With Debt When Interest Rates Are Rising Good vs. Bad Debt: A Quick Guide to Borrowing Wisely for Financial Success The Right Advisor Can Double Your Retirement Savings: 4 Tips to Find One 5 Tips to Reduce Your Retirement Savings Anxiety 5 Fast Ways to Turbocharge Your Retirement Savings 9 Safe and Smart Investments for Retirees Your Guide to Alternative Investments The Investing Combo Linked to a Better Retirement Lifestyle Meet this week's guest, Tony Brancato Tony Brancato is the Head of Product at Charlie, the new standard for 62+ banking. Tony has developed digital products in the healthcare, media, and fintech industries for over 20 years. He held product leadership positions at several media companies, including Patch.com, Time Inc., and most recently, served as VP Product and Audience Development at The New York Times. Tony also served in a senior product role at Amazon, as General Manager, Advertising at IMDB.com, Chief Product Officer at Renew Health, and Executive Vice President, Platform at Olive, the automation and intelligence company working to bridge the divide in healthcare. Tony is the founder of The Influence Project, a data-driven cultural preservation initiative, and a lecturer at UCLA. He is a graduate of Brown University. Website Facebook Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

In this episode, we're talking about how money FOMO, among other things, can make you vulnerable to scams and how to avoid being a victim. Cryptocurrency was all the rage for a couple of years, and it seemed nothing could go wrong. It was a very social experience. In 2022, 31% of new crypto investors got started with advice from a friend. On top of that, 10% of investors cited the fear of missing out, or FOMO, as a reason to get into the market. When inexperienced investors flood into fad investments like crypto, scammers aren't far behind. And that's exactly what happened with crypto. The market collapsed, and thousands of would-be millionaires had their savings wiped out. Let's make sure crap like this doesn't happen to you.   Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Today investigative reporter Zeke Faux, author of the book Number Go Up, just named a book of the year by the Washington Post, will join us to talk about how the fear of missing out can lead to scams. Before you listen, remember: This isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can listen to the podcast wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Watch out for scams Scams are everywhere. Even smart people can fall for scams. As we talked about with our guest, there are many reasons people fall prey to fraudsters. Here are some scams to watch out for, as well as resources on avoiding scams: 9 States Where People Face the Highest Risk of Identity Theft and Fraud Hear a Loved One's Voice Calling for Help? It Might Be a Scam Don't Fall for These 5 Types of Costly Small-Business Scams 24 Costco Scams Going Around Right Now 7 Text Message Scams to Avoid and Report Immediately Free Program Uses AI to Spot Scams Before They Trap You How to Avoid Mail Delivery Phishing Scams How to Tell If Fraudsters Have Opened Bank Accounts in Your Name 6 Things Scammers Do With Your Cellphone Number 4 Beliefs That Make You Easy Prey for Scammers How to invest—without being scammed Investing is still one of the best ways to build wealth over time. And, just because cryptocurrency ended up being ripe for fraudsters, it doesn't mean all investments are scams. Here are some resources for making money with investments: The Investing Combo Linked to a Better Retirement Lifestyle Why Index Fund Investing Is Good for Your Retirement 7 of the Best Dividend Stocks to Help Fund Your Retirement 5 Simple Tips to Make Money With Stocks Investing in Gold and Gold IRAs: 5 Things You Need to Know How to Choose Between Active and Passive Investing 7 Things You Should Know Before Investing in I Bonds 9 Tips for Sane and Successful Stock Investing Environmental, Social and Governance (ESG) Investing: Hope or Hype? How to Invest When Both Stocks and Bonds Are Falling 7 of the Best Ways to Invest That Don't Involve Stocks How to Find the Best Dividend Stocks, Step by Step Meet this week's guest, Zeke Faux Zeke Faux is an investigative reporter for Bloomberg Businessweek and Bloomberg News, and a former National Fellow at New America. He's a winner of the Gerald Loeb award and the American Bar Association's Silver Gavel award and a National Magazine Award finalist. His work has also appeared in New York Magazine, and the anthologies The Year's Best Sportswriting and The Best Business Writing. He lives in Brooklyn with his wife and three children. Website Twitter Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

In this podcast episode, we're talking about how the way you think can make you richer…or poorer. We've all heard the stories: people win the lottery, then lose it all. Or a millionaire who loses everything and then rebuilds their fortune seemingly overnight. These examples illustrate that financial success isn't just determined by your income and expenses, just like success as an athlete isn't all about talent. A significant part of winning, physical or financial, comes from things like your attitude and beliefs. So today, we will talk about how you can flip your mental script to unleash your potential. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Our guest today is Yanely Espinal, the author of the book Mind Your Money. She's going to help us figure out how to change your money mindset and position yourself for success. Before you listen, remember: We're not offering financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. Additional disclosure: Co-host Miranda has a freelance writing relationship with Student Loan Planner. You can listen to the podcast wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Money mindset is a big part of financial success Often, the stories we tell ourselves about money hold us back. Overcoming some of these money mindset issues can be a big part of moving on to the next stage of financial success. How we view money and our financial values can shape our budgets and how we plan for the future. Here are some of our resources for planning, values, financial wellness and updating your money mindset. How a Planning Mindset Can Impact Your Finances 5 Tips to Make Better Financial Decisions How and Why to Pass on Financial Values to Your Heirs 9 Ways to Be More Financially Aware and Successful What Is Financial Wellness? Have You Achieved It? 17 Financial Micro Habits for More Peace of Mind Financial Therapy: What It Is and Why You Might Benefit From It The Most Important Long-Term Financial Goal Has Nothing to Do With Money 5 Tips for Boosting Your Income to Reach Your First $1 Million 6 Tips for How to Manage Money for Happiness How to Create a Budget You Love: 5 Things You Need to Know Financial resources for taking those first money steps While working on your money mindset is a big part of moving forward, you also need the ability to take actionable steps. Here are some of our best resources for mastering the basics so that you can go on to build wealth. 10 Top Budgeting Lessons to Improve Your Money Management The 5 Best Budgeting Apps to Get Your Finances Together How to Build a Family Emergency Fund Health Savings Accounts and Why They Are Great for Retirement Saving Is Not Enough: Why You Need to Invest Congrats on Saving $1000: Now Do These 5 Things to Make it $10,000 How Much Should You Have in Emergency Savings? 11 Surprisingly Simple Ways to Slash Your Expenses 8 Small Expenses That Are Bleeding Your Budget Dry Financial Wisdom: What Is the Best Investment? Why Index Fund Investing Is Good for Your Retirement Become an Overnight Financial Whiz With These 5 Simple Tools 3 Powerful Tools to Destroy Your Debts and Renew Your Credit Meet this week's guest, Yanely Espinal Yanely is a Brooklyn-born ball of energy with an intimate knowledge of financial education, culture, and politics in America. Known on the internet as MissBeHelpful, she's a millennial financial educator who started her career as a teacher, and now serves as the Director of Educational Outreach at Next Gen Personal Finance (NGPF.org) Over the last four years, Yanely has worked with governors and state legislators to pass laws requiring personal finance education for a full semester before high school graduation. Bills that Yanely has championed have been signed into law in Florida (SB1054), Michigan (HB5190), Georgia (SB 220), Rhode Island (H 5491), and North Carolina (HB 924). The stories in her debut book, Mind Your Money, detail her journey from food stamps to financial freedom and her experience navigating the Ivy League as a first-generation daughter of immigrants. Website YouTube Instagram LinkedIn Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.