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In this episode, Steve and Travis discuss the concept of DEI (Diversity, Equity, and Inclusion) and its impact on ESG (Environmental, Social, and Governance) Investing. They explain that DEI is a rela…

In this episode, Ste…

In this episode, Steve and Travis discuss the concept of DEI (Diversity, Equity, and Inclusion) and its impact on ESG (Environmental, Social, and Governance) investing. They explain that DEI is a relatively new hot topic and how it has become a part of the socially responsible investing space. They highlight the importance of understanding the definitions of ESG and SRI (Socially Responsible Investing) and how companies are using these concepts for PR purposes. They also discuss the challenges of investing based on trends and the need for individual investors to define their own values and bui…

In this episode, Steve Campbell and Travis Maus discuss the concept of irreparable harm to your investment portfolio and how to avoid it. They emphasize the importance of understanding the difference…

In this episode, Ste…

In this episode, Steve Campbell and Travis Maus discuss the concept of irreparable harm to your investment portfolio and how to avoid it. They emphasize the importance of understanding the difference between price and value when making investment decisions. They also highlight the significance of diversification and the correlation coefficient in managing risk and maximizing returns. The episode concludes with a reminder to seek professional advice and support in implementing these strategies.________________________________________________________________Join our Skool Community at https:/…

In this episode, Steve Campbell and Travis Maus discuss the topic of mutual funds and why investors may receive a tax bill even when they lose money. They emphasize the importance of understanding net…

In this episode, Ste…

In this episode, Steve Campbell and Travis Maus discuss the topic of mutual funds and why investors may receive a tax bill even when they lose money. They emphasize the importance of understanding net earnings and how much money actually ends up in your pocket after taxes and fees. They explain that mutual funds are required to make regular capital gains distributions to shareholders, which can result in unexpected tax bills. They also discuss the concept of diversification and the potential drawbacks of owning multiple mutual funds. Finally, they suggest that investors consider creating the…

In this episode, Steve Campbell and Travis Maus continue their series on improving net earnings. They discuss the importance of understanding and evaluating investment fees. They explain the differen…

In this episode, Ste…

In this episode, Steve Campbell and Travis Maus continue their series on improving net earnings. They discuss the importance of understanding and evaluating investment fees. They explain the different types of investment fees, including sales commissions, product fees, management fees, transaction fees, and advice fees. They emphasize the need to be aware of the fees you are paying and to determine if they are worth the value you are receiving. They also highlight the potential savings that can be achieved by reducing investment fees and provide tips for evaluating and negotiating fees with …

In this episode, Steve and Travis discuss the importance of understanding tax codes and the types of investment accounts.They emphasize the need to educate oneself about the tools available and how to…

In this episode, Ste…

In this episode, Steve and Travis discuss the importance of understanding tax codes and the types of investment accounts.They emphasize the need to educate oneself about the tools available and how to use them to increase net earnings. They categorize accounts into Retirement tax-advantaged accounts, annuities, and regular investment accounts. They also highlight the significance of considering factors such as age, risk, and product limitations when making investment decisions. The episode concludes with a reminder to have a comprehensive financial plan that guides investment choices.________…

Want to get in touch? Send us a text!In this episode, Travis and Steve discuss when to fund a Roth IRA and when not to. They emphasize the importance of understanding net earnings and the framework o…

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Want to get in touch? Send us a text!In this episode, Travis and Steve discuss when to fund a Roth IRA and when not to. They emphasize the importance of understanding net earnings and the framework of financial projections. They explain the difference between a Roth IRA and a traditional IRA, highlighting the tax benefits and implications of each. They also discuss asset location and how it can optimize tax efficiency. The key takeaway is that financial planning should consider individual circumstances and future tax brackets to determine the best strategy for funding a Roth IRA.___________…

Want to get in touch? Send us a text!In this episode, Steve and Travis discuss three ideas to supercharge your charitable donations and save on taxes. The first idea is to use a donor-advised fund (D…

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Want to get in touch? Send us a text!In this episode, Steve and Travis discuss three ideas to supercharge your charitable donations and save on taxes. The first idea is to use a donor-advised fund (DAF) to group your charitable donations together and take a larger deduction. The second idea is to donate highly appreciated stocks instead of cash, which allows you to avoid capital gains taxes. The third idea is to make qualified charitable distributions (QCDs) from your IRA, which can offset your required minimum distributions (RMDs) and reduce your taxable income. These strategies can help …

Want to get in touch? Send us a text!In this episode, we discuss how to make money by leveraging debt. We explain the concept of spreads, which is the difference between the interest rate you borrow m…

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Want to get in touch? Send us a text!In this episode, we discuss how to make money by leveraging debt. We explain the concept of spreads, which is the difference between the interest rate you borrow money at and the rate of return you can make by investing that money. We emphasize the importance of understanding income taxes and how they impact spreads. They also discuss the mindset shift from viewing cash as savings to viewing it as capital that can be invested or used to pay liabilities. The key takeaway is that leveraging good debt and managing spreads and income taxes can help build a bi…

Want to get in touch? Send us a text!In this episode, we discuss the concept of running your personal finances like a business. We emphasize the importance of understanding your cash flow, liabilities…

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Want to get in touch? Send us a text!In this episode, we discuss the concept of running your personal finances like a business. We emphasize the importance of understanding your cash flow, liabilities, and assets, and using debt strategically to improve your balance sheet. We also highlight the need to focus on both current and future cash flow and to consider the long-term impact of financial decisions. The key takeaway is to not be afraid of using debt to improve your financial situation and to prioritize your financial goals.________________________________________________________________T…

Want to get in touch? Send us a text!In this episode, we discuss the idea of debt and challenge the notion that all debt is bad. We emphasize the importance of understanding the purpose and value of …

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Want to get in touch? Send us a text!In this episode, we discuss the idea of debt and challenge the notion that all debt is bad. We emphasize the importance of understanding the purpose and value of debt, as well as the interest rate and how it compares to other cash usage opportunities. We also caution against insecurity masking as pride and making decisions based on societal expectations. This episode provides a framework for evaluating debt and making informed financial decisions.________________________________________________________________Thanks to our sponsor, S.E.E.D. Planning Group…

Want to get in touch? Send us a text!How do you navigate the tricky waters of talking money with your family? Today, we promise you'll gain insight into normalizing these vital conversations, mak…

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Want to get in touch? Send us a text!How do you navigate the tricky waters of talking money with your family? Today, we promise you'll gain insight into normalizing these vital conversations, making them less daunting and more productive. We explore why financial discussions with children and family members can be so challenging and the harmful effects of avoiding these conversations. Through real-life examples, we'll show you how to turn these difficult discussions into opportunities for fostering financial Wisdom and preparedness.Imagine teaching your kids about money and values in…

Want to get in touch? Send us a text!Are you unknowingly increasing your financial risk in retirement by trying to avoid it? Today's episode will transform your understanding of financial safety …

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Want to get in touch? Send us a text!Are you unknowingly increasing your financial risk in retirement by trying to avoid it? Today's episode will transform your understanding of financial safety and risk management in retirement. We'll unravel the paradox of relying solely on fixed-income investments and explore the nuanced risks, such as interest rate and inflation risk, that might be lurking beneath the surface.Throughout this discussion, we'll share real-life stories and examples to showcase the diverse perceptions of 'safe' investing. Ever wondered why one personâ€â€¦

Want to get in touch? Send us a text!What if your retirement strategy is setting you up for financial instability? Discover why leaning too heavily on fixed-income sources like pensions and Social Sec…

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Want to get in touch? Send us a text!What if your retirement strategy is setting you up for financial instability? Discover why leaning too heavily on fixed-income sources like pensions and Social Security may be a costly mistake. In this episode, we discuss the pitfalls of being overly conservative with your retirement investments and the crucial need to balance risk for long-term financial success.Ever wondered what the real risks are in your investments as you approach retirement? We break down the myths surrounding market risks and historical recoveries. Understand how to manage the psycho…

Want to get in touch? Send us a text!In this episode, we discuss the myth that financial advisors who make commissions can provide impartial advice. We define impartial advice as someone who is not d…

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Want to get in touch? Send us a text!In this episode, we discuss the myth that financial advisors who make commissions can provide impartial advice. We define impartial advice as someone who is not directly involved in a particular situation and is able to give a fair opinion or decision about it. Travis shares his experience in the industry and explains the various incentivized compensation structures that financial professionals receive, such as upfront commissions, new asset bonuses, and proprietary products.We highlight the conflicts of interest that arise when advisors are motivated by …

Want to get in touch? Send us a text!In this episode, we discuss the myth that Roth IRAs are right for everyone. We explain what a Roth is and how it differs from a traditional IRA. We also discuss t…

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Want to get in touch? Send us a text!In this episode, we discuss the myth that Roth IRAs are right for everyone. We explain what a Roth is and how it differs from a traditional IRA. We also discuss the different ways to access a Roth, including Roth 401(k)s, backdoor Roths, and Roth conversions. Our conversation emphasizes the importance of understanding tax brackets and how they can impact the decision to contribute to a Roth. Lastly, we highlight the benefits of Roth IRAs for retirees and the flexibility they offer in managing taxes in retirement.___________________________________________…

Want to get in touch? Send us a text!In this episode, we discuss the myth that everyone should have three to six months' worth of expenses in their emergency fund. We argue that this advice is o…

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Want to get in touch? Send us a text!In this episode, we discuss the myth that everyone should have three to six months' worth of expenses in their emergency fund. We argue that this advice is overly generic and fails to consider individual circumstances and lifestyles. We emphasize the importance of understanding your expenses and income over a prolonged period of time and tailoring the emergency fund accordingly. We also explore different tools and strategies for accessing cash in case of emergencies, such as credit cards, loans, home equity lines of credit, investment accounts, and r…

Want to get in touch? Send us a text!In this episode, Steve and Travis discuss the misconception that investing in the stock market is like gambling. They emphasize the importance of understanding the…

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Want to get in touch? Send us a text!In this episode, Steve and Travis discuss the misconception that investing in the stock market is like gambling. They emphasize the importance of understanding the difference between price and value, and how short-term price fluctuations should not dictate investment decisions. They also highlight the long-term growth of the S&P 500 and the potential for significant returns over time. The conversation concludes with a reminder to filter out the noise and focus on making informed financial decisions._______________________________________________________…

In this episode, Steve and Travis discuss how politics can cloud financial decision-making. They highlight the confusion caused by mixing social issues with complex economic topics and the prevalence …

In this episode, Ste…

In this episode, Steve and Travis discuss how politics can cloud financial decision-making. They highlight the confusion caused by mixing social issues with complex economic topics and the prevalence of salespeople impersonating fiduciaries. They also explore the impact of numbers like GDP, national debt, and monetary supply on personal finances. Together they emphasize the importance of understanding these numbers in context and how they relate to individual decision-making. They conclude that while politicians and policies can affect financial well-being, personal decisions play a significa…