15 year vs. 30 year mortgage 🔥 #shorts
Remember, Financial Freedom is found through Discipline 👏
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1
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Want to Buy a Home? Here's a Financial Planner's advice ☝️ #shorts
Remember, Financial Freedom is found through Discipline 👏
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#homebuyers #homebuying
2
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I recently had to respond to my criticism of Dave Ramsey's mortgage advice 😬 #shorts
I recently made a video responding to some criticisms of Dave Ramsey's advice regarding mortgage debt and clarifying what I actually love about the advice given on the Dave Ramsey show. Hope this encourages you!
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#daveramsey #daveramseyinspired
4
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Dave Ramsey gets this 100% right 💯 #shorts
I recently made a video responding to some criticisms of Dave Ramsey's advice regarding mortgage debt and clarifying what I actually love about the advice given on the Dave Ramsey show. Hope this encourages you!
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#daveramsey #daveramseyinspired
1
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Dave Ramsey is wrong about mortgages 👈 #shorts
Remember, Financial Freedom is found through Discipline 👏
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#daveramsey #homebuyers
There are no one size fits all solutions to financial planning.. Even Dave Ramsey's 😬 #shorts
I recently made a video responding to some criticisms of Dave Ramsey's advice regarding mortgage debt and clarifying what I actually love about the advice given on the Dave Ramsey show. Hope this encourages you!
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#daveramsey #daveramseyinspired
To find real 💸 Financial Freedom think about the 4 spheres of human life #shorts
Remember, Financial Freedom is found through Discipline 👏
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#personalfinance #financialfreedom
6
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Does Dave Ramsey get this wrong 🤔 #shorts
I recently made a video responding to some criticisms of Dave Ramsey's advice regarding mortgage debt and clarifying what I actually love about the advice given on the Dave Ramsey show. Hope this encourages you!
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#daveramsey #daveramseyinspired
3
views
Dave Ramsey offers some great advice, but it's OK to modify it! #shorts
I recently made a video responding to some criticisms of Dave Ramsey's advice regarding mortgage debt and clarifying what I actually love about the advice given on the Dave Ramsey show. Hope this encourages you!
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#daveramsey #daveramseyinspired
2
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Why AI Will Not Replace (Good!) Financial Planners
Will AI replace financial planners?
In this LIVE episode, I talk about the future of ai in wealth management and financial planning and explain why working with a human will still be your best bet when it comes to tailoring a financial plan to your situation. Financial planning is both an art and a science, and there are just things that AI and technology cannot factor in when calculating and generating projections.
But, that does not mean there are not some great AI tools and technology available that can help you build the data you need to support your financial plan. I will list some tools you might find useful, and contrast how you may use them and how they can support building a holistic financial plan.
Remember, Financial Freedom is found through Discipline 👏
Stream starts: 03:42
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Timestamps:
03:42 - Stream starts: let’s talk about the relationship aspect of professional help
08:36 - Client example: Could AI have replaced me?
13:32 - Asking ChatGPT financial planning questions
17:28 - Podcast announcements: no podcast next week!
#aitools #financialplanner #financialindependence
Let's take a look at Finance AI News and The Impact Of AI On Finance. This is the Future AI Finance. This A.I. Will Change Financial Planning Forever, let's talk about how This A.I. Just Changed Investing Forever, Is this the END of human Financial Advisors? I am Asking ChatGPT How AI Is Powering the Future of Financial Services and discovering WallyGPT: The AI That Only Talks MONEY. What is the Opacity of ai based decision making in finance industry?
6
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I Changed My Mind on Dave Ramsey!
So my previous video critiquing Dave Ramsey on mortgage debt generated some controversy. I actually really appreciate Dave Ramsey and the debt freedom philosophy The Dave Ramsey Show has preached to so many people. Dave Ramsey gets a lot right about the horrors of living above your means, and his overall positive impact cannot be discounted!
My intention with my previous video (here: https://youtu.be/9A0l5OCQqic) was to bring a BALANCED and FAIR critique to a small portion of Dave Ramsey's overall philosophy and encourage people who might be struggling with the demands of homeownership in today's market.
Also, I wanted to encourage people to seek out financial advice from professionals who can help them plan for their UNIQUE situations and not rely solely on advice from online influencers. This includes myself!
I don't believe that Dave Ramsey is intentionally misleading or that his advice should be ignored. The problem with online influencers is that, unavoidably, their advice trends towards a "one-size fits all" model that can be consumed by the largest audience possible and ignores the nuances of individual wants, needs, and goals.
So, in a spirit of positive online discourse I decided to make a video about all of the advice from Dave Ramsey that I LOVE. I hope you find this video informing!
Do you have any personal experiences using Dave Ramsey's advice? Let us know your results in the comments!
Remember, Financial Freedom is found through Discipline 👏
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Timestamps:
00:00 – Why I made the “what Dave Ramsey gets wrong” video
01:24 – I agree with Dave Ramsey about the importance of paying of debt
02:51 – Dave Ramsey is right about needing an emergency fund
03:40 – Saving 15% of your household income is great Dave Ramsey advice
04:52 – Why I love that Dave Ramsey promotes living below your means
05:51 – Overall takeaways from Dave Ramsey
#daveramsey #daveramseyinspired #financialfreedom
15
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You NEED to take advantage of this Retirement HACK 🔥 #shorts #retirement #rothira
Take advantage of any employer sponsored retirement plan that lets you save Roth money!
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1
view
Dave Ramsey gets this wrong #shorts #daveramsey #daveramseybudgeting
What Dave Ramsey gets wrong about Mortgage Debt
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5 Things To Consider Before Jumping Into AirBNBs Or Short-Term Rentals
Thinking about starting an Airbnb business or investing in short-term rentals? Here's are some financial considerations you might want to think about before plunging in!
Not a lot of people know how to successfully do short term rentals successfully, and despite what your favorite influencer might have told you, it is not the easy passive income hack that will allow you to retire early without any effort.
That doesn't mean it can't be done well, but as with all things in life, your success will track with the amount of work you are willing to put in.
In this video, I want to elaborate on 5 financial planning questions that you should ask yourself before jumping into an airbnb or short term rental business so you can be prepared to make the best investment decisions for your financial future.
Remember, Financial Freedom is found through Discipline 👏
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Timestamps:
00:00 - Let's talk Airbnb and short term rental financial considerations
00:27 - 1. Understand the true cost of the property (maintenance!)
02:42 - 2. Understand that success may take patience
06:28 - 3. Make sure you can hold the property without rental income
08:06 - 4. Don't treat the property as a second home!
09:06 - 5. Check local sentiment about short-term rentals
11:34 - The top 3 reasons I see people fail
#shorttermrentals #airbnb #realestateinvestment
6
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Roth Conversions Part II: When is a Roth Conversion Worth It? (Retirement Planning!)
This week's live will pick up from last week's topic: Roth Conversions.
Last week I explained what a Roth conversion is and why they are the ultimate in delayed gratification! Why is this the case? Because whatever you convert will cost you in taxes NOW. You do a conversion because you know the prepayment of retirement taxes will be worth it in the future.
This week with when you should think about utilizing this strategy. Because Roth conversions can cost you money in taxes today, you want to be strategic about when you implement this financial tactic.
Remember, Financial Freedom is found through Discipline 👏
01:42 – Stream starts
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Timestamps:
01:42 – Stream starts
04:02 – What is a Roth IRA (quick summary)
06:42 – What is a Roth conversion
07:39 – Roth conversion tax example
11:05 – Traditional IRA vs Roth IRA tax example
14:22 – Roth conversion: when is a good time to convert for taxes?
19:10 – Sneak peek at next week: AI financial planning?
#rothira #rothconversion #retirementplanning
8
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Solving Your Whole Life Insurance Mistake
Were you sold a bad whole life insurance policy? In this video I'm going to teach you how to DUMP IT in the best way possible! (If you missed my video explaining why you shouldn't take out permanent life insurance check it out here: https://youtube.com/live/WzfrxhHcQKg?feature=share.)
I walk through what to do BEFORE you touch you permanent life insurance policy, including how to get legitimate life insurance via an employer sponsored policy or 15-20 year term life insurance, and how to minimize the financial cost of your current whole life insurance plan. We will look at the paid up death benefit option and ways to reduce your premium via an in-force policy.
Also, in a "best-case" scenario, I explain how to cash-out your whole life policy and plan for taxes and the surrender schedule (watch the video to find out what that means and why it's important :)
Remember, Financial Freedom is found through Discipline 👏
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Timestamps:
00:00 - Why you need to dump whole life insurance
00:58 - What to do before you touch your permanent life insurance policy
04:45 - How to get a paid up death benefit
06:01 - How to use an in-force clause to reduce your premium
08:05 - Reduce both your whole life premium and death benefit
09:07 - How to cash out your permanent life insurance policy
#lifeinsurance #wholelifeinsurance #personalfinance
11
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The 4 Methods Of Debt Repayment (A How To Guide!)
If you are ready to start your debt repayment journey, this video is for you! I explain 4 methods for paying off debt including: the snowball method, the avalanche method, the debt consolidation method, and credit balance transfers. For each method I explain the pros and cons and explain the scenarios where each method might be your best option.
Whether you are struggling with student loans, car payments, credit card debt, or any other hight interest loans, you can learn how to achieve debt freedom with this simple, effective how-to guide!
Remember, Financial Freedom is found through Discipline 👏
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Timestamps:
00:00 - Useful debt vs useless debt
00:46 - What is useless debt?
01:38 - What is useful debt?
02:48 - The 4 methods to pay off debt
03:17 - The snowball method of debt repayment
05:16 - The avalanche method of debt repayment
06:50 - The debt consolidation method of debt repayment
09:23 - The balance transfer method of debt repayment
11:49 - Why you should prioritize paying off debt
#debtfree #debtfreejourney #debtrelief
8
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Roth Conversions Part I: What Is a Roth Conversion? (Plan For Retirement!)
Roth conversions can be a very powerful tool when it comes to successful retirement planning.
We will cover the two types of retirement money and explain what a Roth conversion is and how it will impact your taxes.
A Roth conversion is radical delayed gratification. Performing one is the ultimate extreme in sound financial planning. Why is this the case? Because whatever you convert will cost you in taxes NOW. You do a conversion because you know the prepayment of retirement taxes will be worth it in the future.
If you've ever thought about a Roth conversion, and want to know more--this is the stream for you!
Remember, Financial Freedom is found through Discipline 👏
01:56 – Stream starts
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Timestamps:
01:56 – Stream starts
03:41 – Roth vs. traditional retirement accounts
08:25 – How Roth conversions work
09:41 – Roth conversion example
13:08 – The benefit of a Roth conversion
17:45 – Why I recommend using a Roth IRA
20:21 – Next week sneak peak: How to minimize tax impacts of Roth conversions
#rothira #retirement #financialfreedom
13
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How to do a Roth Conversion in 45 seconds 🔥 #shorts #retirementplanning #rothira
Let me explain how to implement a Roth conversion strategy for your retirement plan in 45 seconds!
Remember, Financial freedom is found through discipline.
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1
view
How to make a Roth Conversion in 45 seconds 🔥 #shorts #rothira #retirementplanning
Let me explain how to implement a Roth conversion strategy for your retirement plan in 45 seconds!
Remember, Financial freedom is found through discipline.
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2
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How To ACTUALLY Retire Early: 7 Factors To Building An Early Retirement Plan
Want to retire early? So do many of the clients I have worked with! Whether you are planning for an early retirement or just want to know the earliest you can retire given your current financial state, you need to look at 7 factors: retirement age, retirement lifestyle, retirement income, healthcare costs, inflation, longevity, and investment returns.
These 7 factors will inform you build your retirement plan. If you balance them just right, plan ahead, and implement financial discipline, an early retirement is possible!
Remember, Financial Freedom is found through Discipline 👏
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Timestamps:
00:00 - Introduction to the 7 factors impacting early retirement
01:28 - Factor 1: Retirement Age
02:40 - Factor 2: Retirement Lifestyle
05:10 - Factor 3: Retirement Income
07:07 - Factor 4: Healthcare Costs
10:36 - Factor 5: Inflation
13:06 - Factor 6: Longevity
15:04 - Factor 7: Investment Returns
16:45 - Putting it all together
#retireearly #retirementplanning #retireearlyandtravel
8
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What Your Finances Say About Your Health: The Correlation Between Financial Freedom & Health
Often, people who are successful with their personal finances are also successful in other spheres of their life—including physical health.
This week we will discuss why that might be the case, including personal decisions and the impact outside forces may have on your health and financial well-being.
We will also give you several ways to improve both your health and financial well-being. It all starts with small changes that through daily implementation will lead to a healthier, and more financially rewarding life!
Remember, Financial Freedom is found through Discipline 👏
00:39 – Stream starts
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Timestamps:
00:39 – Stream starts
05:45 – The 4 skills you need in both you financial and health journey
06:07 – The skill of discipline
09:09 – The skill of routine
11:24 – The skill of learning
13:42 – The skill of delayed gratification mindset
16:49 – Closing thoughts: finances is part of your health
17:38 – Sneak peek to next live: Roth conversions
#personalfinance #healthylifestyle #financialfreedom
4
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Variable Annuity Explained Simply (DON'T BUY!)
If you are looking into a variable annuity or are wondering how to read a variable annuity contract this video is for you. In this video I explain variable annuities SIMPLY so you can make an informed decision about your personal finance investment strategy. I also explain the difference between variable annuities and fixed annuities and why I don't recommend purchasing a variable annuity product.
Financial freedom is found through discipline
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Timestamps:
00:00 - Variable annuities vs fixed annuities
01:44 - Advertised benefits of a variable annuity
07:38 - The negatives of variable annuity products
12:50 - Why you should talk to a Financial Planner
In this Video, I explain Variable Annuities: What You Should Know. Variable Annuity Explained (2019). I cover the typical fees associated with variable annuities, the differences between variable annuities and the other types of annuities, and how a variable annuity could provide for a consistent and predictable stream of income for your retirement. Additionally, I address the questions you should ask before buying a variable annuity. Discover the truth about variable annuities: what is a variable annuity? Understand the harsh truth about annuities!"
#annuity #investmentstrategies #financialfreedom
38
views
👀 Roth IRA vs 401k #shorts #rothira #retirement
Let me explain why I recommend saving your retirement money in a Roth IRA
Remember, Financial freedom is found through discipline!
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6
views
Why You Should NEVER Buy Whole Life Insurance (SCAM ALERT!)
Whole life insurance, and permanent life insurance is one of the most expensive and least understood financial products on the marketplace.
During this live, I will breakdown the real cost of permanent life insurance, compare it to term, and explain what strategies you should use instead of permanent life insurance to achieve your financial planning goals.
Finally, there are a couple rare reasons to have permanent or whole life insurance, and I will outline those rare cases there is a need.
Remember, Financial Freedom is found through discipline!
Stream starts: 0:35
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Timestamps:
00:35 – Stream starts
02:06 – My experience with life insurance
03:05 – Term life insurance vs. whole life insurance
04:56 – The stated benefits of permanent life insurance (whole life insurance)
06:50 – Why I do not recommend whole life insurance (costly premiums)
07:54 – Why I do not recommend whole life insurance (complexity)
08:40 – Why I do not recommend whole life insurance (poor investment returns)
10:18 – Why I do not recommend whole life insurance (surrender charges)
11:29 – Why I do not recommend whole life insurance (opportunity costs)
13:32 – Understanding life insurance fees
15:29 – What to do if you have a permanent life insurance policy
17:36 – When you DO want permanent life insurance
#wholelifeinsurance #lifeinsurance #financialfreedom
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