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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
171 - Should I Save My Money For The Future Or Spend it Today?
23m · PublishedScott and James discuss if you should save your money for the future or spend it today.
NEW: We're on YouTube here!
Listener Question:
I am 40 years old and want to know how I am doing. I have been through a divorce and a major job change and have been saving as much as possible, but it seems like I may have gotten to a place where I may be able to save less aggressively. I would really love to be able to retire comfortably at 60 but also live my best life now without over-saving and missing out on today. I have an old 401k, current 401k, Roth IRA, HSA and brokerage account. I know my numbers very well: budget/spending, savings/savings rate, net worth, etc.
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - We're on YouTube HERE!
4:15 - Summary of Goals
10:02 - Comprehensive Financial Planning
17:38 - How Much To Save/Spend Today?
22:32 - Aligning Your Financial Goals
LET'S CONNECT!
James
YouTube LinkedIn Website
Scott
Facebook Twitter Website
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170 - Where Should I Invest My Excess Income?
27m · PublishedScott and James discuss where to invest excess income.
NEW: We're on YouTube here!
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - We're on YouTube HERE!
4:19 - Anonymous Example
10:02 - Cash Flow
17:38 - Roth Contributions
22:41 - Risk Tolerance & Income Needs
25:37 - Aligning Your Financial Goals
LET'S CONNECT!
James
YouTube LinkedIn Website
Scott
Facebook Twitter Website
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Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.
Leave us a review on iTunes.
Have a money question you want us to answer? Submit one here
169 - [New Format!] Are Your Investments Too Concentrated?
26m · PublishedScott and James discuss if your investments are too concentrated.
NEW: We're on YouTube here!
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - We're on YouTube HERE!
5:03 - Individual Context
7:32 - Budgeting
13:45 - Importance of Tracking Efficiently
19:32 - Index Fund Advantages
25:11 - 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.
Leave us a review on iTunes.
Have a money question you want us to answer? Submit one here
168 - How to Understand the Stock Market
23m · PublishedScott and James discuss how to understand the stock market.
NEW: We're on YouTube here!
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - We're on YouTube HERE!
6:31 - What is the "market"?
10:28 - Investing in the "winners"
18:09 - What % Are The Major Companies?
23:11 - 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.
Leave us a review on iTunes.
Have a money question you want us to answer? Submit one here
167 - What Insurances Do I Need?
26m · PublishedScott and James discuss what insurances you need (and don't need).
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
2:30 - Insurance
7:01 - Proper Protection
10:41 - What Insurances To Avoid?
17:36 - Long-Term Care Needs
16:57 - Debt & Real Estate
25:31 - 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.
Leave us a review on iTunes.
Have a money question you want us to answer? Submit one here
166 - How Does This Market Impact How We Pull Funds from 529 Plans?
23m · PublishedScott and James discuss how this market impacts how we pull funds from 529 plans.
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
5:49 - Stocks & Bonds Correlation
9:58 - Cash Flow & Risk Level
14:49 - What Is A Good Rate?
18:50 - Additional Expenses
16:57 - Debt & Real Estate
21:27 - 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.
Leave us a review on iTunes.
Have a money question you want us to answer? Submit one here
165 - How to Invest in Stocks For Beginners
29m · PublishedScott and James discuss how to invest in stocks for beginners.
Listener Question
Sometimes I can tend to pull the trigger on things before doing enough due diligence. If I make a stock purchase and later am not sure it was the best decision, how long should I wait before selling the shares and moving on from that company.I'm not talking about buying a company and then a week later the stock price dips a little bit and that being reason to dump shares but more fundamentally if I no longer believe that a company is worth the investment how long after that point should I wait before selling the shares?
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
3:00 - Not Longer Just "It Depends"
6:26 - Fundamentals
7:48 - Appreciation v. Dividend
14:34 - Types of Investments
20:12 - JP Morgan Study
26:35 - When To Sell/Buy
27:10 - Aligning Your Financial Goals
LET'S CONNECT!
James
Facebook LinkedIn Website
Scott
Facebook Twitter Website
ENJOY THE SHOW?
Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.
Leave us a review on iTunes.
Have a money question you want us to answer? Submit one here
164 - How To Understand Your Cash Flow
26m · PublishedScott and James discuss how to understand your cash flow.
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
4:16 - Income
6:26 - Fundamentals
10:46 - Spending Isn't Negative
14:27 - Rules of Thumb
16:57 - Debt & Real Estate
21:12 - Tax Rates
25:45 - Aligning Your Financial Goals
LET'S CONNECT!
James
Facebook LinkedIn Website
Scott
Facebook Twitter Website
ENJOY THE SHOW?
Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.
Leave us a review on iTunes.
Have a money question you want us to answer? Submit one here
163 - Pros & Cons of Using Dividend Investing to Create Passive Income
22m · PublishedScott and James discuss the pros and cons of using dividend investing to create passive income.
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Listener Question:
What is your stance on dividend investing, with the goal of reaching a point where one can live off of "passive" income from dividend ETFs? I have been reading a lot on the dividend subreddit where people are sharing their spreadsheets and screenshots of investments, and it seems like a very compelling strategy. What are the pros and cons of investing heavily in dividend ETFs with the hope of building a passive income stream?
Timestamps:
4:16 - Dividend Yield
7:27 - The Feeling Behind Dividends
10:19 - Dividends During Recessions
14:27 - Don't Just Focus On Dividends
18:52 - Total Return
21:12 - Dividend v. Capital Appreciation
LET'S CONNECT!
James
Facebook LinkedIn Website
Scott
Facebook Twitter Website
ENJOY THE SHOW?
Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.
Leave us a review on iTunes.
Have a money question you want us to answer? Submit one here
162 - How To Understand Your Balance Sheet
28m · PublishedScott and James discuss how to understand your balance sheet.
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
6:17 - Having Multiple Accounts For Organization
10:08 - Goal-Based Investing Accounts
15:33 - Debt
20:25 - Net Worth Allocation
24:29 - Restrucutre Debt
26:48 - Aligning Your Financial Goals With Your Life
LET'S CONNECT!
James
Facebook LinkedIn Website
Scott
Facebook Twitter Website
ENJOY THE SHOW?
Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.
Leave us a review on iTunes.
Have a money question you want us to answer? Submit one here
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.
