frugality

Welcome to Retire Strong and Fearless, where we explore the path to early retirement and help you overcome the two main obstacles that might be standing in your way. In this episode, your Host, Rich Strehl, helps you reveal these hurdles and provide practical strategies to prevent them from derailing your dreams.

1. Passion or Ambition?
For many, the idea of retiring early seems like a distant dream. Some love their jobs so much they can't imagine leaving, while others might not have ambitious retirement plans. With a life expectancy of around 78, there's so much to experience when you're not tied to work. We discuss the importance of seizing this opportunity to explore new horizons, family, and personal fulfillment. Is there a valid reason why you're not ambitious about retiring?

2. Financial Fears
Financial concerns are a major roadblock to early retirement. Many worry they won't have enough money to retire comfortably, and the statistics support their concerns. We delve into the anxiety around running out of money and how you can address it. Learn about the shocking statistics and explore strategies like increasing savings, maximizing your 401(k), and cutting unnecessary expenses.

Good News for Some
The good news is, you might need less than you think to retire early. We guide you through a simple exercise to figure out your retirement expenses and use the Rule of 17 to determine your retirement number. It's never too early to start planning, and we emphasize that now is the perfect time to create a plan that suits your goals and lifestyle.

As we wrap up, we briefly touch on the Rule of 17, a tool that can give you the confidence to make your retirement dreams a reality. For a deeper dive into this concept, be sure to check out our video. Until next time, may God bless you on your journey to early retirement.

Join us in unraveling the mysteries of early retirement and discover how you can break through the barriers to living the life you've always envisioned. Subscribe now to [Your Podcast Name] and start making your dreams of early retirement a reality!

🚩 PROTECTION USA WEBSITE + SOCIAL LINKS: https://protection-usa.com/

🚩 PODCAST: https://retirestrong.buzzsprout.com/share

🚩 SCHEDULE Book a Phone Call or Zoom Meeting: https://calendly.com/protectionflorida/30min_meeting

🚩 ONLINE COURSE (Retirement Roadmap) https://protectionusa.thinkific.com/courses/RetirementRoadMap

🚩 FREE GUIDE (8 Money Rules to Retire Stronger) https://protection-usa.com/

Disclaimer: Rich Strehl was a licensed financial planner from 2007 - 2014. By design, he no longer carries this license. He is a licensed insurance agent with a lot of strategies, insight and ideas. Our videos are for entertainment purposes only. The information presented should not be construed as financial, tax or legal advice. Always do your own due diligence.

In another hard-hitting and very inspiring episode, we have Desiree, an OR nurse and financial independence enthusiast, who shares her incredible journey towards achieving financial freedom. She discusses her path to becoming a nurse, overcoming obstacles to pursue her dream, and how she stumbled upon the world of financial independence. Desiree's inspiring story reveals how she paid off her student loans in just three months, her commitment to speaking up as an advocate in her nursing career, and her dedication to living life on her own terms.

Resource mentioned: Mr. Money Mustache

About our guest:
Desiree has wanted to be a nurse since she was 3 years old.  She is a mother of 3 and an operating room RN. Her oldest daughter has followed in her footsteps and is currently a psychiatric LPN and enrolled to become an RN. Desiree has always been frugal but only somewhat recently found FIRE.  While searching for a new recipe for beans and rice, she stumbled on to the Mr Money Mustache website which promotes a path to FIRE through frugality and focusing on the aspects of life which is most important to the individual while limiting the resources dedicated to those which hold less personal importance. Having hit her Financial independence number in the last year at 47,  she has moved to per deim. She enjoys time with her 5 year old grandson and her other many hobbies.

---

Check Intentional Style here: https://www.intentionalstylesuite.com/

Please join me here, and follow me on social media, Instagram, and Facebook.

Need help getting started on your path to financial freedom? Start Here

Join the Financially Intentional Community

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast.

Get my book Smart Money

Frugality is an endearing element of saving money and living the good life. But interestingly, the recent discourse in personal finance circles has seemingly shifted to embrace spending over saving. What is going on, how did this happen, and why should we care?

Support this project: Buy Me a Coffee

Get the newsletter: SUBSCRIBE ME!

Show Notes and Links at Clippingchains.com

In this captivating episode of Millennial Talks with Abby, we dive into the profound wisdom of Stoicism and its direct impact on our financial growth and business success. Join host Abby as she explores key insights from the book "The Daily Stoics" by Ryan Holiday and Stephen Hanselman, unraveling practical applications of ancient philosophy in the modern entrepreneurial landscape. Discover how cultivating a positive mindset, embracing frugality, redefining wealth, and daring to be different can propel you toward financial prosperity. Prepare to be inspired and empowered as we unlock the secrets of Stoicism and learn how its timeless principles can elevate your business and finances. Tune in now and embark on a transformative journey toward entrepreneurial excellence!

Connect with us:

• Follow us on Instagram: @moneytalkswithabby
• Join our Facebook community: Money Talks with Abby
• Send us your questions: unayabegail5@gmail.com

Stay Tuned for More:

• Subscribe to Money Talks with Abby on your favorite podcast platform.
• Leave us a review and rating to help others discover valuable financial insights.

Disclaimer: The information provided in this podcast is for educational purposes only and should not be considered financial advice. Please consult with a qualified financial professional before making any financial decisions.

In this heartfelt episode, I interview my long-time friend Tory Dewalt. We reflect on our relationships with our fathers and our roles as older siblings, contemplating the lessons we've learned and how we can share them with younger generations. Our talk spans from the difficulties of frugality, shaped by our upbringings, to the appreciation of both the good and bad experiences in life. Don't miss this profound and insightful conversation as we explore the complexities of friendship, personal growth, and mental health.

Want a  great resource to learn more about passive investing in detail? Visit https://passiveinvestingaustralia.com/ (Note: Whilst this is an Australia focused resource there are fundamentals of investing and risk management which will be useful to all listeners)

Want to listen to more episodes? Visit https://www.monologuesbyhasi.com/ or subscribe on your favourite podcast app.

To get in touch and leave me your 2c or ideas you'd like me to discuss in a future episode email me at hasi@monologuesbyhasi.com or reach me on twitter @realHasinthaA.

My intro and outro music are courtesy of Max Maikon and the Youtube Audio Library. Full credits are as follows:

Track: Equilibrium — Max Maikon [Audio Library Release]

Music provided by Audio Library Plus

Watch:https://youtu.be/v2G8waOzPQA

Free Download / Stream:https://alplus.io/equilibrium

We all know the recession is coming in 2023. But we don't have to stress as much if we start now by cutting our costs and trying to get into better spending habits. 

In this episode I am going to share some great tips for you to prepare for the recession ahead of time.

• Frugality: What it is and how it differ from cheapness
• How to live frugally and have a fulfilling life
• Establishing guilt-free value-based spending
• The value of self-compassion and self-awareness
• How thriftiness influence one's attitude toward personal finances

The Life & Money Show Spotlight:

• Your Life & Money: What is one thing you’re doing to live a meaningful and intentional life by design?
• Other’s Life and Money: What is one life or money hack that you can share that will make an impact in others’ lives right now? 
• Life & Money in the World: What’s the one thing you’re doing right now to make the world a better place?

RESOURCES/LINKS MENTIONED

• The Art of Fulfillment by Tony Robbins

ABOUT JEN AND JILL

Jen Smith was a staff writer for The Penny Hoarder covering retirement, investing, and savings optimization. She’s the co-host of the Frugal Friends Podcast, the face behind Modern Frugality, and author of The No-Spend Challenge Guide and Meal Planning on a Budget. Jill is a licensed clinical social worker and co-host of the Frugal Friends Podcast. Her frugal lifestyle started when she got into RV living as a means to cut costs and pay off her student debt. This journey opened her eyes to the many benefits of living affordably, from finding community to engaging in sustainable practices. 

CONNECT WITH JEN AND JILL

• Website: https://www.frugalfriendspodcast.com/
• Website: Frugal Friends Podcast
• Podcast: Frugal Friends Podcast
• Instagram: frugalfriendspodcast

CONNECT WITH US

To connect with Annie and Julie, as well as with other Investing For Good listeners, and to get the latest scoop on new and upcoming episodes, join Life and Money Show Podcast Community on Facebook.

To learn more about real estate syndication investment opportunities, join the Goodegg Investor Club.

Be sure to also grab your free copy of the Investing For Good book (just pay S&H)--

Thanks for listening, and until next time, keep investing for good!

Groceries are not the only food becoming more and more expensive. Feed for animals is on the rise as well. In this episode I will teach you how to cut back on the costs of feed for your farm or homestead.

Today on episode 29 I want to welcome back to Clipping Chains writer, climber, father of five, and fellow personal finance geek, The Frugal Professor.

We cover it all on this one, from how the Frugal Professor was able to save nearly $2 million dollars with a family of seven, to how my wife and I are continuing to navigate a post-Financial Independence life.

Topics Discussed with the Frugal Professor

• How FP became what I call “the Hustler of Personal Finance,” where he regularly gives us the full frontal of personal finance transparency.
• How FP was able to build a net worth of nearly $2 million with a family of seven by age 40
• Saving tips for a large family
• A deep dive on the importance of understanding taxes
• Ways to minimize our lifetime tax burden while avoiding high healthcare costs
• How my wife and I funded our life in 2021 with near-zero income
• How much we paid in taxes in 2021
• Why one should be careful with the type of investments you place in a taxable brokerage account
• Early retirees and Medicaid. Is this legit?
• Musings on the “correct” portfolio withdrawal rate and not falling victim to “one more year syndrome”
• My thoughts on living in St. George, UT
• Advice to college students or recent grads

Support this project: Buy Me a Coffee

Subscribe to the website: SUBSCRIBE ME!

Frugal Professor Links

Original Written Interview

FP interviews Chad Andrews

Draft of “Book”

Frugal Professor Site Map

Frugal Professor Monthly Financial Updates

Financial Statement Template

2021 Tax Calculator

Hierarchy of Savings

Hierarchy of Dissavings

Roth vs Trad

Cash Back on Credit Cards

Why to Shop at Costco

How to Pay ~$0 for Cell Phones

Clipping Chains Links

EP 5: Diana Crabtree Green: Pay Yourself First

EP 26: How to Spend Retirement Money Early (Roth Conversion Ladder)

How to Have Negative Health Insurance Costs

External Resources

Health Insurance Marketplace Calculator

Retirement Savings for the Self-Employed: Solo 401(k)

Early Retirement Now Safe Withdrawal Rate Series

Books

The Richest Man in Babylon (George S Clason)

A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing (Burton G. Malkiel)

Common Sense on Mutual Funds (John Bogle)

Time Stamps

0:2:47: Interview begins

0:6:27: How FP became “the Hustler of Personal Finance” and the origins of his blog12

0:12:57: The importance of visuals and tracking

0:17:25: FP’s career and education pathway that led to a net worth of nearly $2 million by age 40

0:25:54: An outsider’s view of a simple life and the misperceptions on what wealth looks like

0:26:38: The security of financial independence

0:27:43: The timeline and expectations for the financial independence life for FP and his family

0:31:07: Why understanding taxes is so important

0:36:27: Structuring the CC Family taxes in a life of “early retirement.”

0:37:22: How we funded our life in 2021

0:41:00: What we paid in 2021 federal taxes and how/why we arrived at our level of investment income

0:47:25: More details on balancing healthcare costs and minimizing tax burden

0:54:16: Summary of the CC family income and tax situation in 2021

0:55:14: How much money can someone withdraw and pay $0 in federal taxes?

0:56:27: Takeaway points for saving effectively and minimizing tax obligation

0:58:15: Why one should be careful with the investments you place in a taxable brokerage account

1:02: 15: Which accounts to place “play money” stock picks.

1:05:07: Early retirees and Medicaid

1:07:22: The CC family healthcare insurance philosophy

1:09:56: Saving, healthcare, and tax considerations for contractors

1:15:17: Did we over-save and fall victim to “one more year syndrome?”

1:17:37: Discussion on appropriate safe withdrawal rates for a portfolio in retirement

1:23:37: Thoughts on life in St. George, UT

1:29:30: Saving tips for a large family

1:35:57: Personal finance advice to students or recent college grads

1:43:09: Recommended books and podcasts

Today on episode 25 let’s give a hot stew welcome to climber and all-around curious guy, Erich Purpur. Erich works in the university system in Virginia, finding time in the margins to climb up to V10 and 5.13c. Recently, Erich is beginning to envision a potential life of financial independence.

But achieving financial independence may only be the beginning of the next journey.

Erich originally caught my attention because of his insightful line of questioning. He had a few investing questions to be sure, but what captivated me was his deeper questions about “why.”

Why do we bother to save this much money?

How do we come to common ground on money mindsets between our families, friends, and romantic partners?

Why do men and women feel differently on the concept of early retirement?

After all, most of us now know that simply building wealth is far from a sure path to contentment. While I wouldn’t consider this a reader case study per se, a conversation with Erich felt like a representative sample of many of the broader themes of this lifestyle choice.

And on that note, this certainly was a conversation. While I’m accustomed to sitting back and asking all the questions, Erich turned this one around on me. In the end, this felt like a fun fireside chat. I really enjoyed the informal nature of this one.

Topics Discussed with Erich Purpur

• Motivations for the pursuit of financial independence
• Shifting a natural tendency towards saving to a plan of investing
• Addressing different money mindsets in romantic relationships
• The beauty of “paying yourself first”
• Early retirement mindset differences between men and women
• The dilemma between early retirement and part-time, or passion-based work
• The incredible value of being a simple person
• How to live our best life without full financial independence (it’s a spectrum!)
• The FIRE movement as SCANDALOUS!

Support this project: Buy Me a Coffee

Subscribe to the website: SUBSCRIBE ME!

Get in Touch with Erich Purpur

Erich on Instagram

Other Financial Independence Blogs Mentioned

Mr. Money Mustache

The Mad Fientist

Other recommended resources here

Previous Episodes Mentioned

EP 5: Diana Crabtree Green: Pay Yourself First

Related Clipping Chains Posts

Six Important Reasons Not to Retire Early

Contentment: The Greenest Grass of Them All

BREAKING: I (Sort Of) Quit My Job

The Fallacy of Happiness and Meaningful Work

But I Don’t Want to Be Frugal

Tracking Your Spending: The Ultimate Task

Help! My Significant Other is Terrible With Money!

Automation: The Dirty Little Secret to Spending Less

Value Spending: How to Really Save Money

The Simple Systems to Kicking Monetary Ass

Five Ways to Recession-Proof Your Life

Seven Lessons From Two Years of Financial Freedom

Shades of Grey: How to Enjoy Life and Have Money

Why Trying to Quit My Job (Sort of) Made It Better

A list of all posts can be found here.

Books

A Guide to the Good Life: The Ancient Art of Stoic Joy (William B. Irvine)

Tune in to hear

- Why did Emily feel the need to include elements of humor in her new book ‘Stacked: Your Super Serious Guide to Modern Money Management?’

- What is “the one magical idea to rule them all” that Emily and Joe lay out in their book?

- Do we ever need to do more digging to ensure that our financial goals are personal and authentic enough that they give us the fuel to take on the tough parts of saving and investing for our future?

- Should we try to maximize our earning potential or crank up our thriftiness?

- Since you can’t frugal your way to wealth - what practical tips does the book offer for increasing income or for diversifying income streams?

- How do we educate folks about market histories and managing expectations without scaring them off from investing?

- What is a money script? Why is understanding our own personal money script such an important step in getting started with investing? 

- How do we illuminate our money scripts if they are indeed unconscious?

- In the process of researching and writing this book, did Emily change her mind about anything?

www.emilyguybirken.com

Compliance Code: 0147-OAS-1/24/2022

Building upon a recent profile of Enphase Energy CEO Badri Kothandaraman, this live episode of #TheEnergyDetox will help you uncover areas of your personal and professional life that could benefit from an extra dose of modesty, frugality, and simplicity.

The headline: 𝐄𝐧𝐩𝐡𝐚𝐬𝐞 𝐄𝐧𝐞𝐫𝐠𝐲 𝐂𝐄𝐎 𝐒𝐚𝐲𝐬 𝐘𝐨𝐮 𝐒𝐡𝐨𝐮𝐥𝐝 '𝐒𝐭𝐨𝐩 𝐃𝐨𝐢𝐧𝐠 𝐒𝐭𝐮𝐩𝐢𝐝 𝐓𝐡𝐢𝐧𝐠𝐬' (by Chris Woodyard of Investor's Business Daily)

The article: https://www.investors.com/news/management/leaders-and-success/enphase-ceo-energy-ls-badrinarayanan-kothandaraman/

The goal: to (𝐆)𝐫𝐨𝐰, (𝐏)𝐫𝐨𝐭𝐞𝐜𝐭, 𝐚𝐧𝐝 (𝐒)𝐮𝐬𝐭𝐚𝐢𝐧 success by pondering these 3 questions throughout your day:

💡 What are the ways that a frugality focus can provide more growth opportunities?

💡 Are you aware of (and protective of) what REALLY led you to your current position?

💡 How much time are you wasting on the hunt for exotic answers to simple questions?

#leadership #sustainability

Welcome to the Balanced FI Podcast, episode 23! Thank you so much for listening in! 

Make saving money fun to keep yourself engaged in long-term financial goals. Some ways to make saving fun include:

• Set goals & rewards
• Track your progress
• No spend month challenge
• No spend days challenge
• Loose change challenge
• First to save challenge
• Pantry challenge
• Dollars per week food challenge
• Kids savings challenge
• Annual savings challenge

RESOURCES:

Read: 10 Ways to Make Saving Money Fun

Free Download: Financial Goal Planner

Read: 30 Day Challenge + Free 30 Day Tracker

Read: 5 Quick Questions to Ask Yourself Before Purchasing

Read: 3 Ways to Use Meal Planning to Save Money

Read: Financial Security Step 2a: Save a Mini Emergency Fund

SOURCES:

Source: Debt Free Charts

Source: Benefits and Challenges of the 52-Week Savings Challenge

Source: How to Save $7,000 This Year With the $5 a Week Savings Challenge

Source: 52 Week Challenge Plan (Save $1,000) - Free Printable

Source: 52 Week Money Challenge Printable Chart

Source: Five Ways To Do A 52 Week Money Challenge + Free Printable

Source: 15 Ways to Make Saving Fun

Source: 10 Creative Ways to Make Saving Money Fun

Source: 15 Creative Ways to Save Money

If you are impacted by the Lockdown and seeking financial support, take a look at this list.

Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram @getwemoney . We love hearing from you!

If you enjoy the show, we'd love if you could write a review on Apple podcasts to help other people just like you find us and get better with their finances.
If all this money chat has inspired you to take care of your finances, then Download the WeMoney app. It's free! Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.

Disclaimer
We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.

Need Help?
If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.

We’re here for you! 

Have you ever felt that you were on a hamster wheel of always chasing more? Or you never feel satisfied with the resources (time, money, or energy) you have to start and scale your business?

In this episode, we speak about the stretcher’s versus the chaser’s mindset, concepts from Scott Sonenchein’s book, Stretch: Unlock the Power of Less And Achieve More, and apply these stretcher’s mindset to the entrepreneur journey. 

The three concepts we will speak about are:

1. Psychological Ownership  
2. Embracing Constraints 
3. Don’t Fear Your Frugality 

Remember to take what you need from each episode and apply these concepts to your own situation. 

Enjoying these episodes? If you haven’t signed up for our mailing list yet, head to bossitclub.com and join! We will let you know whenever we drop a new episode!

XO,

Sophia.

A Team Dklutr Production

Amobi Okugo is a professional soccer player, serial entrepreneur, learned academic, and sports biz professional. His startup "A Frugal Athlete"  is helping athletes by educating them on financial literacy and prudence along with ways to monetize off their skillsets, brand, and much more. Check out his startup at www.afrugathlete.com

OUTLINE:

0:00 - Intro

2:05 - Amobi’s journey getting to the MLS & USL

3:57 - Responsibility & leadership from being a 1st born child

6:38 - What is “A Frugal Athlete” & why Amobi founded it

8:40 - Humility & Frugality; Know yourself & your goals 1st, then get to the topic of $

10:51 - Importance of multiple streams of income for athletes

14:20 - Priority management & championing the schedule of a pro soccer athlete

19:23 - What playing in the MLS is like

21:20 - Sports as a microcosm of society, values learned from sport that can be applied across personal & professional life

23:58 - What it was like being an MLS Players Association Rep, navigating a new CBA & avoiding strike

27:00 - The many opportunities to work in the Sports world/ business side for people interested in working in sports

30:55 - Post-career for athletes — finding passion outside of your Sport

33:25 - Being authentic and genuine

35:33 - Austin Bold & Austin FC bringing more soccer to the region

37:17 - Outro

Podcast info:

• Podcast website: https://smartalecshow.com
• RSS feed: feed:https://feeds.simplecast.com/ngBH2BfM
• Spotify: https://open.spotify.com/show/634MOIW582k2STgC06Rvl9?si=Zr4Fmx2nR6mqaeWNpFCfQQ&dl_branch=1
• Apple podcasts: https://podcasts.apple.com/us/podcast/the-smart-alec-show/id1577614268
• Amazon Music & Audible: https://music.amazon.com/podcasts/96993c84-1664-4a67-921d-9b731fbdca99

Connect with Alec on Social:

• Instagram: https://www.instagram.com/realsmartalec/
• Twitter: https://twitter.com/1alecalvarez
• LinkedIn: https://www.linkedin.com/in/thesmartalec/

Connect with Amobi on social:

• Instagram: https://www.instagram.com/amobisays/ ; @amobisays
• Linkedin: https://www.linkedin.com/in/okugo
• Website: https://www.amobiokugo.com

Quotes — “When it’s all said and done do you want to be remembered as the warning or do you want to be remembered as the example.” — Amobi Okugo

Recorded in November 2020

1. Leave A Review & Show Love! Write a review for The Art of Money & Communication Podcast. 📝❤️
   Review here
2. Fiverr (10% Off First Order): Turn Ideas into Income! Get 10% off your first order on Fiverr. 💼💰
   Sign up with code EARN10
3. Speak Pipe: Share Your Thoughts! Leave a voice note to show your love for the show. 🗣️💬
   Send a voice note here
4. Top Cash Back: Earn Cashback on Purchases! Start earning cashback on your everyday buys. 💸🛍️
   Sign up here
5. Oddsmoney (Matched Betting): Try Matched Betting for Free! Learn with tutorials and a free trial. 🎲💰
   Get started here
6. Cheddar (Cashback at Tesco, Sainsburys & More): Save Money on Shopping! Use code ZKYFYKT at checkout. 🛒💰
   Use code ZKYFYKT
7. Shares (Free £20 Stock): Get a Free £20 Stock! Sign up and invest in your future. 📈💸
   Sign up for free stock
8. Freetrade (Free Stock Worth £3-£200): Grab Your Free Stock! Sign up for Freetrade and claim your share. 📊🎁
   Get free stock
9. Invest Engine (Free £25 Stock): Invest for Free! Deposit £100 & get a free share. 📈💵
   Claim your free stock
10. Wise (Currency Transfer): Save on Currency Transfer Fees! Transfer money worldwide with Wise. 💱💸
    Sign up for Wise
11. 1Tap (Simple Tax Receipt Scanner): Stay Organized & Save 20%! Use code TAXSAVY at 1Tap. 📝💵
    Download 1Tap
12. Buzzsprout (Podcast Platform/Free $20 Platform Credit): Start Your Podcast Today! Get $20 credit on Buzzsprout. 🎙️💰
    Sign up for Buzzsprout
13. Airtime Rewards (Passive Income - Save Money Off Phone Bill): Save on Phone Bill! Use code C4UW7F9N. 📱💳
    Download Airtime Rewards
14. Shopmium (Free Can Of Pringles & Weekly Deals): Enjoy Freebies & Discounts! Use referral code he5n8u. 🛍️🎁
    Sign up for Shopmium

Support the podcast by using these referral links! 🙏🎧

In episode 40, John and Dean discuss what it might take to retire early. Dean shares a story of someone who has the frugal mindset of retiring early and the importance of passive income. 

We want to know more about your situations so we can create better tailored content. John and the team can be reached at jcindia@lifestagesadvisory.com. Reach out to us so we can get you or your segment featured on the show!

In episode 39, John discusses FOMO and how the current market is been built on the fear of missing out. John also touches on watching your finances heading into the holiday season.

We want to know more about your situations so we can create better tailored content. John and the team can be reached at jcindia@lifestagesadvisory.com Reach out to us so we can get you or your segment featured on the show!