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Real Personal Finance
by Scott Frank and James ConoleYour REAL personal finance questions answered by CERTIFIED FINANCIAL PLANNER™ professionals, Scott Frank and James Conole. With all of the misinformation and jargon in the financial industry, it's no wonder most people are confused about how to best manage their money. James and Scott are here to give clear answers to the important questions they hear most often. If you're ready to use your finances to create a more secure financial future, this show is for you.
Copyright: © 2023 Real Personal Finance
Episodes
Final Episode - How To Stay In Touch With Us!
6m · PublishedScott and James thank all of the fans for years of support for listening to the podcast and review where you can find them if you're looking for customized advice when it comes to maximizing your finances.
LET'S CONNECT!
James
YouTube | Website | Podcast
Scott
Facebook | Twitter | Website
Final Episode - How To Stay In Touch With Us!
6m · PublishedScott and James thank all of the fans for years of support for listening to the podcast and review where you can find them if you're looking for customized advice when it comes to maximizing your finances.
LET'S CONNECT!
James
YouTube | Website | Podcast
Scott
Facebook | Twitter | Website
How to Balance a Home Purchase with Saving for Retirement?
15m · PublishedScott and James discuss how to balance a home purchase with saving for retirement.
Listener Question:
We want to stay in manhattan and want to be home owners but can’t make the math work. Our current rental 2 bed 2 bath just went up to $4400/mo. A comparable condo would sell around $1.3-$1.5m. That would put the mortgage at around $7,000 with another $2,000-$3,000 in maintainable and taxes a month. Rent does keep increasing and I don’t want to keep getting squeezed but does buying in Manhattan just not make sense?
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - Priorities
5:25 - Various Goals
8:12 - Life & Math Don't Always Match
11:15 - Investment Concerns
12:30 - How Much Home Can You Afford?
16:05 - Aligning Your Financial Goals
LET'S CONNECT!
James
YouTube LinkedIn Website
Scott
Facebook Twitter Website
How to Balance a Home Purchase with Saving for Retirement?
15m · PublishedScott and James discuss how to balance a home purchase with saving for retirement.
Listener Question:
We want to stay in manhattan and want to be home owners but can’t make the math work. Our current rental 2 bed 2 bath just went up to $4400/mo. A comparable condo would sell around $1.3-$1.5m. That would put the mortgage at around $7,000 with another $2,000-$3,000 in maintainable and taxes a month. Rent does keep increasing and I don’t want to keep getting squeezed but does buying in Manhattan just not make sense?
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - Priorities
5:25 - Various Goals
8:12 - Life & Math Don't Always Match
11:15 - Investment Concerns
12:30 - How Much Home Can You Afford?
16:05 - Aligning Your Financial Goals
LET'S CONNECT!
James
YouTube LinkedIn Website
Scott
Facebook Twitter Website
What Should You Do If You Make Too Much To Contribute To a Roth IRA?
12m · PublishedScott and James discuss what to do if you make too much to contribute to a Roth IRA.
Listener Question:
I am currently 33 years old, single, and am nearing a $129,000 annual salary. I have been investing in a Roth IRA and realize the phaseout limits for single taxpayers are from $129k - $144k. My question is, how do I lower my income, besides contributing to my traditional 401k, so I can keep contributing the max $6000/year into my Roth IRA as my income rises over the years?
Planning Points Discussed:
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - Introduction
6:17 - Phaseouts
8:13 - Roth IRAs
11:05 - Aligning Your Financial Goals
LET'S CONNECT!
James
YouTube LinkedIn Website
Scott
Facebook Twitter Website
What Should You Do If You Make Too Much To Contribute To a Roth IRA?
12m · PublishedScott and James discuss what to do if you make too much to contribute to a Roth IRA.
Listener Question:
I am currently 33 years old, single, and am nearing a $129,000 annual salary. I have been investing in a Roth IRA and realize the phaseout limits for single taxpayers are from $129k - $144k. My question is, how do I lower my income, besides contributing to my traditional 401k, so I can keep contributing the max $6000/year into my Roth IRA as my income rises over the years?
Planning Points Discussed:
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - Introduction
6:17 - Phaseouts
8:13 - Roth IRAs
11:05 - Aligning Your Financial Goals
LET'S CONNECT!
James
YouTube LinkedIn Website
Scott
Facebook Twitter Website
The Truth About an MBA - Is It Worth It?
14m · PublishedScott and James discuss whether or not an MBA is worth it.
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - Listener Quesiton
5:30 - Why MBA?
7:46 - Pros/Cons of MBAs
8:30 - Debt v. Investing
16:05 - Aligning Your Financial Goals
LET'S CONNECT!
James
YouTube LinkedIn Website
Scott
Facebook Twitter Website
The Truth About an MBA - Is It Worth It?
14m · PublishedScott and James discuss whether or not an MBA is worth it.
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - Listener Quesiton
5:30 - Why MBA?
7:46 - Pros/Cons of MBAs
8:30 - Debt v. Investing
16:05 - Aligning Your Financial Goals
LET'S CONNECT!
James
YouTube LinkedIn Website
Scott
Facebook Twitter Website
How Are Different Types of Investment Withdrawals Taxed?
17m · PublishedScott and James discuss the tax implications of withdrawing income from various accounts in retirement.
Listener Question:
Can you talk about how some of the main retirement accounts are taxed upon withdrawal?
Example topic: Are withdrawals just subject to Federal taxes, or FICA taxes as well? And how / if withdrawing from retirement accounts affects eligibility / taxes you have to pay on social security?
Can you talk about how after tax brokerage accounts are taxed both while investing and when you start to withdraw? And what withdrawals from that look like when you are retired (whether or not you are at ‘retirement age’ or not).
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - Introduction
6:17 - Accounts Aren't Equal
11:15 - Tax Overview
14:46 - Maximizing Your Finances
16:05 - Aligning Your Financial Goals
LET'S CONNECT!
James
YouTube LinkedIn Website
Scott
Facebook Twitter Website
ENJOY THE SHOW?
Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.
How Are Different Types of Investment Withdrawals Taxed?
17m · PublishedScott and James discuss the tax implications of withdrawing income from various accounts in retirement.
Listener Question:
Can you talk about how some of the main retirement accounts are taxed upon withdrawal?
Example topic: Are withdrawals just subject to Federal taxes, or FICA taxes as well? And how / if withdrawing from retirement accounts affects eligibility / taxes you have to pay on social security?
Can you talk about how after tax brokerage accounts are taxed both while investing and when you start to withdraw? And what withdrawals from that look like when you are retired (whether or not you are at ‘retirement age’ or not).
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - Introduction
6:17 - Accounts Aren't Equal
11:15 - Tax Overview
14:46 - Maximizing Your Finances
16:05 - Aligning Your Financial Goals
LET'S CONNECT!
James
YouTube LinkedIn Website
Scott
Facebook Twitter Website
ENJOY THE SHOW?
Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.
Real Personal Finance has 216 episodes in total of non- explicit content. Total playtime is 78:49:48. The language of the podcast is English. This podcast has been added on October 26th 2022. It might contain more episodes than the ones shown here. It was last updated on March 2nd, 2024 19:10.