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    Business

    Don’t Retire…Graduate!

    Don’t Retire… Graduate! is the podcast that invites you to rethink what retirement really means. Hosted by Certified Financial Planner Practitioner Eric Brotman, we’re here to guide you in transforming the traditional concept of retirement into an exciting and enriching graduation—a time to embark on new adventures, embrace lifelong passions, and define what success and happiness look like in this new chapter of life.
    Retirement isn’t just about stepping away from a career; it’s about stepping into a life filled with purpose, joy, and fulfillment. Whether you’re on the brink of retirement or just starting to think about it, this podcast will help you discover what it takes to not just survive, but thrive in your post-career years. We’ll explore how to live a fun, productive, and meaningful life by setting new goals, pursuing passions that light you up, and building a legacy that truly reflects who you are.
    Each episode features in-depth conversations with a diverse range of guests—from award-winning authors and financial experts to influencers and everyday people with remarkable money stories. Together, we’ll uncover strategies for reaching financial independence, managing your wealth, and making informed decisions that support your dreams. You’ll learn practical tips on everything from saving money and paying down debt to raising financially literate children and growing your wealth at any age.
    From personal finance and investing to retirement readiness, taxes, and more, we’re here to provide the knowledge and tools you need to confidently step into this exciting new phase of life. Topics include everything from budgeting, credit, and debt to health savings accounts, insurance, social security, the FIRE movement, and the latest in fintech and finance apps.
    But we don’t stop at finances. Don’t Retire… Graduate! also dives deep into the emotional and psychological aspects of retirement. We’ll discuss how to maintain your mental and physical health, nurture relationships, and stay connected to your community. You’ll gain insights on how to design a lifestyle that keeps you engaged, curious, and excited about the future.
    Our mission is to help you figure out what you want to be when you grow up—even if you’re already grown. We believe that work should become optional, not just because you’ve reached a certain age, but because you’ve achieved the freedom to choose how you spend your time and energy. Whether it’s volunteering, starting a new hobby, traveling the world, or launching a second career, this podcast is your guide to creating a retirement that’s anything but retiring.
    In addition to full episodes, we offer bonus content every other week where you get to meet the team of financial advisors at BFG Financial Advisors and hear their real stories from the frontlines of financial planning. 
    Retirement is not the absence of work, but the absence of needing to work. So why not graduate into a life of purpose, passion, and financial freedom? Tune in to Don’t Retire… Graduate! and let’s make your retirement the best years of your life.

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    Latest Episodes:
    Breaking Financial Stereotypes: Money Attitudes and Behaviors in a Diverse World with Cara Macksoud Aug 24, 2023

    Welcome to a very special episode of Don't Retire... Graduate!: our finale. After five seasons, we're graduating from the podcast in order to take financial literacy education into a new format, with a new edition of the Don't Retire... Graduate! book releasing soon and our new financial wellness program taking off.

    Rounding out the show with a bang, we have Cara Macksoud of Money Habitudes here to talk about her journey from Wall Street trader to leading a company that helps people identify their financial biases and make positive changes in their habits. We'll explore the importance of being open-minded and empathetic towards clients with different attitudes and behaviors, as well as the gradual nature of habit change.

    Key takeaways:

    • Financial security is important for a comfortable retirement transition. It involves having a certain level of income and assets to maintain a desired lifestyle.
    • It's crucial to understand your money habits and attitudes, as they play a significant role in your financial decision-making. The Money Habitudes assessment helps individuals gauge where they fall along six domains and identify biases or areas for improvement.
    • Money is relational and tied to associations such as family, culture, and community. Understanding the non-verbal messages and influences around money can help shape healthy money habits and attitudes.
    • Giving and philanthropy can bring joy and satisfaction, and it's important to align your philanthropic efforts with your values and passions. Incorporating philanthropy into your financial plan can bring both status and personal fulfillment.


    Thank you to everyone who has supported this show over the last five years and allowed us to be part of your personal finance journey. Also, a special thank you to our executive producer Sara Lohse and our audio engineer Russ Riba for making this podcast happen.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Office Hours: Worrying About Retirement in Your 20s Aug 17, 2023

    In today’s Office Hours, Eric answers Noah's question: “What can you tell someone in their 20s who is already worried about not being able to retire in the future?”

    This is a lot of stress to put on yourself so early in your life and career, but there are a few pieces of advice that Eric can share for you.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Love and Money: Financial Planning for Newly Weds Aug 10, 2023

    Welcome back to Don’t Retire… Graduate! On today's episode, we're getting personal and bringing in a member of the BFG family. Financial advisor Cody Niedermeier recently got married and is sharing his experience and advice for handling financial conversations before and after saying "I do."

    Even as a financial advisor, it can be hard to handle conversations around money within a relationship. Cody talks about dropping a whopping $15 on her plastic engagement ring (on top of the diamond one, of course), how he proposed, and the plans they have for the future.

    • Communication and transparency are key when it comes to financial planning for couples. It is important to have open conversations about joint accounts, bill payments, and beneficiary designations to ensure that both partners are on the same page and have a clear understanding of their financial goals.
    • When planning a wedding, it is advisable to save for the engagement ring rather than borrowing money. Using a credit card to purchase the ring means that the spouse is essentially paying for it, leading to unnecessary debt.
    • The cost of weddings can vary greatly. It is crucial for couples to financially plan for their wedding and manage expectations. By understanding their budget and prioritizing expenses, couples can prevent financial strain and focus on what matters most to them.
    • Geography plays a significant role in financial and legal matters. Couples should ensure that their estate planning documents are done in the state they are living in, as state laws differ. It is also important to consider insurance policies and beneficiary designations, especially when moving between different states.
    • The importance of comprehensive financial planning cannot be overstated. From consolidating old retirement accounts to adjusting employee benefits, couples should seek guidance from financial advisors to help them navigate this complex process. This includes finding professionals for tax planning, legal matters, and other important areas to ensure a solid financial foundation for their marriage.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Office Hours: Financial Advice That's Different Than 10 Years Ago Aug 03, 2023

    In today’s Office Hours, Eric answers Olivia's question: “What advice would you give today that you wouldn't have expected to 10 years ago?”

    The advice does change over time, but with 30 years of experience as a financial advisor, it's clear that some of the basic fundamentals don't: paying yourself first and avoiding adverse debt. But economic conditions and products do change and there are things that we wouldn't have recommended a decade or even 5 years ago.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    From College to Covid to Recession: Navigating Finances in Changing Times with Hassan Thomas Jul 27, 2023

    Welcome back to Don’t Retire… Graduate! On this episode we’re joined by Hassan Thomas, the creator of the FYI FLI (For Your Information Financial Literacy and Investing) app and host of the FYI FLI podcast.


    He is here to share his story of beginning his entrepreneurial journey during a global recession, having to pivot a future after an injury, and growing a brand focused on teaching personal finance.


    In this episode we’ll talk about:


    • Understanding your goals and finding someone who can help you achieve them is crucial.

    • Building a comfortable and goal-oriented working relationship with a coach is essential.

    • The internet has made information more accessible, allowing for self-education and learning new skills.

    • During times of economic uncertainty, having multiple income sources and financial literacy is important.

    • The current generation faces more financial challenges, with the need for multiple jobs and side hustles to support a family.

    • Financial education and applying knowledge can have an immediate and positive impact on personal finances.

    • Establishing an emergency fund (or peace of mind fund) in a high-yield savings account is an excellent starting point for financial stability.

    • Continual learning and progress in financial education can lead to life-changing opportunities and success.

    • Having a plan, taking action, and being prepared are key factors in progressing and achieving financial goals.

    • Understanding how recessions impact individuals and their finances is essential for making informed financial decisions.

    Visit dontretiregraduate.com for a full transcript of this episode.


    About Hassan Thomas:


    Hassan R. Thomas: the new face of emerging FinTech and the Founder of a new APP called FYI FLI (For Your Information, Financial Literacy & Investing), and the CEO of HRT Enterprises LLC.


    @ceosanni @fyifli

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    Office Hours: Money Lessons Learned from Movies Jul 20, 2023

    In today’s Office Hours, Eric answers Charlotte's question: “What movie taught you the most about money?”

    Eric chose the movie The Ultimate Gift based on a book by Jim Stovall because of how it taught the value of money and how you can use it to make a difference. This is the opposite of one we often mention as more of a cautionary tale, which is Billy Madison.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Building Financial Confidence: Knowing Your Numbers and Unlocking Your Best Life with Marika Stimac Jul 13, 2023

    Welcome back to Don’t Retire… Graduate! On this special 100th episode, we’re joined by Marika Stimac, a life coach dedicated to helping people improve their financial literacy and achieve their financial goals. Marika, who has written a book called "Keys to Financial Confidence: Unlock Your Best Life," shares valuable insights and actionable steps to create a positive financial legacy.


    Marika talks about the importance of bringing awareness to the impact of one's financial situation and shifting to a more positive mindset about money, highlighting that financial legacy is not just about leaving behind a large sum of money but also about the mindset and values that are passed down.


    Join us to learn how you can be mindful about money and how your actions and words can influence others.


    In this episode we’ll talk about:

    •Actions and words around money influence others in your life.

    •Shifting to a positive mindset about money can create a financial legacy.

    •Being mindful of how you handle money can potentially help others in their lives.

    •Financial legacy is not just about the amount of money one leaves behind, but also the mindset.

    •Leaving a financial legacy involves creating meaningful connections and thoughtful gestures.

    •Legacy is about leaving gifts of opportunity, experience, and influence for children, not just material possessions.

    •Mindset and habitual practices play a significant role in financial behaviors.

    •Identifying and understanding the origin of money stories can lead to healthier financial behaviors.

    •Overcoming money drama and reframing mindset is crucial for financial success.

    •Personalized investing aligned with your passions and goals can lead to meaningful financial growth.


    Visit dontretiregraduate.com for a full transcript of this episode.


    About Marika Stimac:


    I became a life coach with the intent of helping people unlock their best lives but quickly recognized how many people are held back by their financial insecurities. Now I am dedicated to empowering individuals to improve their financial literacy and feel confident in their ability to achieve their financial goals and live the life they desire.


    @thefinancialconfidencecoach

    www.linkedin.com/in/marikastimac

    www.facebook.com/marikastimac

    www.pinterest.ca/thefinancialconfidencecoach/

    www.thefinancialconfidencecoach.com

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Office Hours: What You Should Know Before Buying a House Jul 06, 2023

    In today’s Office Hours, Eric answers Oliver's question: “What should I know about finances before I buy my first home?”

    Well done for thinking ahead! There are so many costs that go into home ownership that are different from renting, like maintenance, taxes, and furnishing. Listen to what Eric thinks is important to know before you make the purchase.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    The One Number Budget: Simplifying Financial Planning for Retirement with John Crane Jun 29, 2023

    Welcome back to Don’t Retire… Graduate! On this episode we’re joined by John Crane, a financial advisor and author of The One Number Budget.


    In the episode, Eric and John share their dislike of traditional budgeting—which Eric less-than-affectionately calls the “B-word”—and go through John’s exercise of finding the “one number” you need for this new budgeting concept.


    In this episode we’ll talk about:

    •Budget shaming and why it’s harmful

    •Taking a lifetime approach to budgeting

    •What it means to find your number and how to do it

    •Importance of financially funded retirement

    •Avoiding financial vampires

    •Figuring out how to use accumulated wealth, create income, manage taxes, and avoid running out of money before running out of oxygen

    •The concept of human life value and why it matters

    •How Target has perfected the art of being a financial vampire and driving impulse purchases

    •spending for love and how it can hurt your finances

    •long term care insurance and how it can impact multigenerational planning


    About John Crane:

    Author, financial advisor, and retirement income planner John W. Crane has spent more than a decade providing personalized financial guidance to business professionals, corporate executives, and medical specialists, utilizing a comprehensive planning process to identify each client’s unique goals. He’s a member of the National Association of Insurance and Financial Advisors and has received top honors from the premier association of financial professionals, MDRT. A lifelong learner himself, John shares his expertise with students at hospitals and high schools throughout Washington, D.C.


    www.cranefinancial.com/

    www.linkedin.com/in/johncrane/

    Visit dontretiregraduate.com for a full transcript of this episode.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Office Hours: How to Open a Roth IRA for Your Child Jun 22, 2023

    In today’s Office Hours, Eric answers Jake's question: "How can I open a Roth IRA for my child?”

    This is a great question and a great way to set your kids up for success, but you need to understand how they work and how to use them.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Seven Money Milestones: Building and Protecting our Wealth with Troy Holt Jun 15, 2023

    Welcome back to Don’t Retire… Graduate! On this episode, Eric Brotman chats with financial industry veteran Troy Holt about the importance of financial literacy and shares some key strategies for managing your personal finances.


    Troy is passionate about financial literacy and explains how a job in finance can provide both community impact and personal satisfaction beyond merely making money. He is here to walk us through the seven money milestones he and his team have identified in the financial planning journey, starting with financial education and leading to building and protecting wealth.


    Listen now for tips on cutting expenses, generating income through multiple streams, and protecting wealth with proper insurance coverage and investment in income-producing assets.


    In this episode we’ll talk about:


    • The importance of financial education

    • The areas in our finances where most people are not protected, including life insurance and disability insurance

    • Rules of thumb for emergency funds and managing debt

    • Cash flow and how to begin building wealth

    • Investing in income-producing assets and creating multiple income streams

    • Avoiding one-size-fits-all financial advice and finding an advisor that can act as a copilot


    Visit dontretiregraduate.com for a full transcript of this episode.


    About Troy Holt:


    Troy Holt is a skilled sales and account executive with over 20 years of experience in business growth, development and financial planning. As a Certified Financial Educator & Registered Financial Consultant, Troy is licensed in 20 states and is an independent coach, speaker, and trainer. He is well-versed in communication, leadership, and work ethic, and has a proven track record of success in his endeavors.

    He is the co-author of an Amazon Best Seller book and host of the Troy Talks podcast, where he shares his expertise and personal stories to inspire others. Troy is also the CEO (Chief Encouragement Officer) of Troy Holt Consulting LLC, a growing financial consulting company focused on empowering and educating individuals and small business owners on wealth accumulation, preservation, and debt elimination.

    Troy is an engaging and motivating speaker, mentor, and Independent Coach, Speaker, and Trainer with The John Maxwell Company, who has made it a personal mission to eliminate financial illiteracy, particularly in the African American community with a focus on black women.

    Troy is a 33-year member of the same church, serving in ministry for 29 years and as a Licensed Elder with the Pentecostal Assemblies of the World for 26 years. He currently resides in Pensacola, FL with his wife of 31 years, one adult son, and three grandchildren.


    Troy Holt's LinkedIn: https://bit.ly/3dru6pP

    Troy Holt's Instagram: https://bit.ly/3YEo9OZ

    Troy Holt's Twitter: https://bit.ly/33EMQ2W

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Office Hours: When Should I Start Investing? Jun 08, 2023

    In today’s Office Hours, Eric answers Colby's question: “When should somebody start investing?”

    The short answer is as soon as you have money available to invest, but the conversation doesn't stop there.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    FIRE by AirBNB: Reaching Financial Freedom through Short-Term Rentals with Zeona McIntyre Jun 01, 2023

    Welcome back to Don’t Retire… Graduate! Today’s guest has used Airbnb to reach financial freedom early and is teaching others how to do the same.


    Zeona McIntyre is an author, realtor, investment consultant, and speaker who has been helping people house hack and build their portfolios of short and medium-term rentals for several years. She sat down with Eric to talk about how she has reached her financial goals, the lessons she has learned through experience, and how she has shaped her career to allow for her ideal lifestyle.


    Listen to the conversation and then reach out to Zeona and tell her what it is that would make you happy.


    In this episode we’ll talk about:

    • How Zeona started with AirBNB when $50,000 in debt

    • Things that can go wrong when managing rental properties

    • Why you should install cameras in your rental properties (and what happened before Zeona learned that lesson)

    • The FIRE movement and how she got involved

    • Suze Orman and the traditional, slow retirement ideology

    • How Zeona hit her retirement number within two years through real estate investing

    • Why real estate investing is not actually passive income

    • Protecting yourself from liability as a property manager

    • Zeona’s succession plan

    • Acting despite fear

    Visit dontretiregraduate.com for a full transcript of this episode.


    About Zeona McIntyre:

    Zeona McIntyre is an Author, Realtor, Investment Consultant, and Speaker. She has been an Airbnb host since 2012, and she now uses her decade of experience to help her clients House Hack and build portfolios of short & medium-term rentals. She is an avid Real Estate Investor owning a double-digit portfolio of furnished rentals across five states. She is the co-author of the BiggerPockets book "30 Day Stay. A Real Estate Investor's Guide to Mastering the Medium-term Rental''.


    Instagram: @zeonamcintyre

    Facebook: zeona.mcintyre

    YouTube: @ZeonaMTR

    Website: https://www.zeonamcintyre.com/

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Office Hours: How Much Does Money Matter in a Relationship? May 25, 2023

    In today’s Office Hours, Eric answers Ava's question: “How much does money matter in a relationship?”

    This is a multifaceted question with different types of relationships, but in all types, it is necessary to have communication, transparency, and honesty.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Embracing Wanderlust: Finding a Way to Live Your Passions with Rachael Schlimmer May 18, 2023

    Welcome back to Don’t Retire… Graduate! This is an episode unlike any we’ve done before. Our guest is Rachael Schlimmer, a nomad who is traveling more often than she isn’t but is ready to start putting down roots and planning out her future.

    While we promised not to call this an intervention (or a séance for that matter), Rachael was at a crossroads and needed someone to interfere, if only to help her stop doubting herself. She and Eric sat down for what is almost a financial planning consultation to discuss her goals, explore opportunities for cash flow, and get her to the realization that what you think your life is supposed to look like is not necessarily what it should look like.

    And, like many initial financial planning conversations, there was very little talk of money and a lot of talk of what she wants to be when she grows up. Listen now to go on this self-discovery journey with us.


    In this episode we’ll talk about:

    • Turning your passions and hobbies into your career

    • The career paths that allow for the nomadic lifestyle that Rachael loves

    • Redefining the idea of “home,” and finding home in the people you meet

    • The skills you need (or don’t need) to make a living

    • Barbara Sloan’s book Tipped and the value it holds for those with less traditional income


    Visit dontretiregraduate.com for a full transcript of this episode.


    About Rachel Schlimmer:

    I've been semi-nomadic for the last 5-6 years, working for most of a year, travelling for 8-10 months. I'm working towards putting down some roots and building some stability, and part of that is upping my long-term finance game. Fortuitously met Eric over the bar top of a hotel restaurant I'm newly coffee slinging for, and here we are!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Office Hours: How to Find Balance Between Saving, Retirement, and Expenses? May 11, 2023

    In today’s Office Hours, Eric answers Matt's question: “How do you effectively balance among saving, retirement, and expenses?"

    There is no rule of thumb here, but we may be able to find a balance that works for you.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Cashing Out: Unrigging the Financial Game with Julien and Kiersten Saunders May 04, 2023

    Welcome back to Don’t Retire… Graduate! We have two very special guests today, Julien and Kiersten Saunders. They are the hosts of the Rich and Regular podcast and Money on the Table video series and authors of their recently published book, “Cashing Out: Win the Wealth Game by Walking Away.”

    The couple joins us to talk about how the finance game is rigged against minorities and how they built their wealth—and paid down mind-numbing debt—despite the challenges they faced. This is a powerful episode you won’t want to miss!


    In this episode we’ll talk about:

    • How not to start a relationship.

    • Julien and Kiersten’s story and why they wrote their book the way they did.

    • The barriers and challenges that people of color face, particularly in finance.

    • Wage and income gaps and how they’re still prevalent.

    • The history of slavery and share cropping and how they still impact us.

    • Choosing your boss wisely and finding one that advocates for you.

    • Paying yourself first and having courage to invest money.

    • Treating personal finance as financial hygiene.

    • Becoming a connector and the value of community, both virtual and in person.

    • Paying off debt the way you chop down a tree.


    About Julien and Kiersten Saunders:

    Julien and Kiersten are authors of Cashing Out: Win the Wealth Game By Walking Away under Portfolio Books, an imprint of Penguin Random House. They are also the creative voices behind the blog richandregular.com, hosts/producers of the award-winning video series, Money on the Table, and hosts of the rich & REGULAR podcast.


    https://richandregular.com

    Visit dontretiregraduate.com for a full transcript of this episode.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Office Hours: Investing in a 401(k) vs Saving for College Apr 27, 2023

    In today’s Office Hours, Eric answers Madeline's question: “Should I stop contributing to my 401(k) to pay for my daughter's college now or should I take loans and continue to invest in my retirement?”

    This a question many are facing, and there is no one perfect answer. However, retirement is the one thing you cannot borrow for so it's important to take care of yourself first financially before your children. Eric explains why.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Visit dontretiregraduate.com for a full transcript of this episode.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Male, Pale, and Stale: The Growing Need for Diverse Voices in Finance with Michelle Waymire Apr 20, 2023

    Welcome back to Don’t Retire… Graduate! Today’s guest is as young and scrappy as her brand. Michelle Waymire founded her financial planning practice to help the LGBTQ+ community make sense of their finances in an environment that is uniquely designed for them.


    Her approach to financial planning means making your money work towards building a joyful, abundant, and giving life and she is here to share more about her story and how she is changing the industry to be less male, pale, and stale.


    Listen to her abundance philosophy and start changing your mindset. If not, well, bless your heart.


    In this episode we’ll talk about:

    • Michelle launching a financial planning practice right before the pandemic took over the world

    • What it means to be a fiduciary

    • How young clients don’t want their parents’ financial advisor and how important it is to have a multigenerational financial planning practice

    • How women in finance are seen as assistants and secretaries regardless of position

    • A collaborative approach to financial advising

    • The abundance mindset vs striving for wealth

    • Abundance as a means to an end instead of an end goal

    • How financial planning for the LGBTQ+ community is different

    • Partnerships and collaborations that can help the LGBTQ+ community find a better financial advisor for them


    Visit dontretiregraduate.com for a full transcript of this episode.


    About Michelle Waymire:

    Michelle Waymire is a fiduciary financial advisor and financial coach, as well as the founder of Young & Scrappy, a specialty practice geared towards serving young professionals, artists/entrepreneurs, and LGBTQ+ folx. Michelle holds her Masters in Business Administration from the University of Tennessee, is a Chartered Financial Analyst (CFA) charterholder and CERTIFIED FINANCIAL PLANNER (tm) and has been quoted/featured in US News, Glamour, Bustle, local NPR, and many more. You can read about her work at www.youngandscrappy.com. Or check out The Young and Scrappy Instagram here: https://www.instagram.com/theyoungscrappy/

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    Office Hours: Can Money Buy Happiness? Apr 13, 2023

    In today’s Office Hours, Eric answers Alicia's question: “Can money actually buy happiness?”

    Over his 30-year career, Eric has seen people with more money than they could ever need who were miserable and some who were happy. The same can be said for those with more modest wealth. So what's the answer?

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Visit dontretiregraduate.com for a full transcript of this episode.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    FIRE By Real Estate: Advice for Future Real Estate Investors with Tom Brickman Apr 06, 2023

    Welcome back to Don’t Retire… Graduate! Today’s guest is known in the financial media space as the Frugal Gay and that frugality paid off. Tom Brickman reached financial independence through real estate investing and currently has 22 doors in Ohio and Texas.


    He is here to share his experiences, advice, and mistakes he has made so you don’t have to.


    In this episode we’ll talk about:

    •How Tom retired in his 30s through real estate investing

    •Advice for someone who wants to start in real estate with one house

    •Liability as a landlord and setting up LLCs

    •Setting up teams to handle maintenance for multiple homes

    •Using side hustles as financial safety blankets

    •The mindset shift that comes with financial freedom

    •Other financial investments Tom uses to grow his portfolio

    •The difference between income and wealth

    •Starting with a budget and understanding where your money is going

    •Setting goals for real estate investing and how to get started


    Visit dontretiregraduate.com for a full transcript of this episode.


    About Tom Brickman:

    Tom Brickman 40, Married dog dad from Dallas TX. Recently retired from 9-5 to work on Real Estate (22 doors) a resale business and TheFrugalGay.com. Tom provides one on one coaching and covers financial literacy & real estate for building wealth.


    Resources:

    www.Thefrugalgay.com.com

    https://twitter.com/Thefrugalgay11

    https://instagram.com/thefrugalgay11

    https://brotmanmedia.com/

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    Office Hours: What Do I Do With My 401(k) When I Change Jobs? Mar 30, 2023

    In today’s Office Hours, Eric answers James's question: “What do I do with my 401(k) when I change jobs?”

    There are several things to consider regarding your 401(k), including whether or not you've vested in the matched contributions and if you should move it somewhere else or leave it where it is.

    Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    The Tipped Economy: Bringing Service Industry Employees into the Personal Finance Conversation with Barbara Sloan Mar 23, 2023

    Welcome back to Don’t Retire… Graduate! Today’s guest is an advocate and educator for a community that is often left out of the traditional financial journey: service industry workers.


    Barbara Sloan is the author of Tipped: The Life Changing Guide to Financial Freedom for Waitresses, Bartenders, Strippers, and All Other Service Industry Professionals. She went from homeless at age 15 to six figures of debt at 20 and worked every tipped position available as she navigated the world of personal finance. She is now a business owner and a financial coach that focuses on empowering those who don’t have access to traditional employee benefits or regular paychecks.


    Her story and insights are truly valuable, so listen now!


    In this episode we’ll talk about:

    • The unique financial circumstances faced by those in the tipped economy

    • How the traditional personal finance conversations exclude those who work for tips, like 401(k)s, HR departments, predictable incomes, and employee benefits

    • How skills you develop in the service industry can translate into business

    • The difference between financial advisors and investment advisors

    • How to find financial literacy resources

    • A debate on whether or not “budget” should be a bad word

    • Understanding debt and the mindset behind it

    • Financial legitimacy for people who make their money in single dollars

    • Sorting out your “why” to move forward in your financial life

    • The impact current government conversations could have on tipped workers


    Visit dontretiregraduate.com for a full transcript of this episode.


    About Barbara Sloan:

    Barbara Sloan is the author of the book Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals. A homeless teen, who danced for dollars, and definitely did not graduate from college. She is now a personal finance expert and money coach that spent two decades working in every imaginable position in the Service Industry all over the country. In addition to owning and running a badass women owned Construction company in the heart of Manhattan, she helps Tipped workers achieve Financial Freedom, like she did. She is passionate about all of the amazing aspects of Tipped work and passionate about all of the terrible aspects of Tipped work. She lives in New York City with her wife of 10 years, an esteemed corporate finance exec, and together they are a couple of adorable money nerds who point out every dog they see.


    www.tippedfinance.com

    @tippedfinance on all socials

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    Office Hours: What Should I Do With My Tax Refund? Mar 16, 2023

    In today’s Office Hours, Eric answers Olivia's question: “what should I do with my tax refund?”

    There are plenty of ways to answer this question: spend it, invest it, save it... But Eric's #1 piece of advice is not to have one at all.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Visit www.dontretiregraduate.com for a full transcript of this episode.

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    Financial Infidelity: Red Flags to Look Out for in a Marriage with Tracy Coenen Mar 09, 2023

    Welcome back to Don’t Retire… Graduate! While nobody goes into a marriage thinking about divorce, it’s one of only two ways every marriage ends (the other being death, of course). Today’s guest Tracy Coenen has seen her fair share of divorce and is here to talk about a common cause for marriages to end: financial infidelity.


    As a forensic accountant, Tracy is here to share red flags you can look for if you suspect your spouse or partner of hiding money, how you can do your own forensic accounting, and her experience navigating this marriage minefield.


    Don’t run out and make a secret email address right away, but definitely listen to this episode!


    In this episode we’ll talk about:

    • Which gender is more likely to hide money in a marriage

    • The differences seen by financial advisors and forensic accountants

    • The importance of discussing finances in a marriage/partnership and why it should be a regular conversation

    • What financial infidelity means

    • Red flags to look out for if you suspect your spouse of financial infidelity

    • What a forensic accountant does and how to find your spouse’s hidden money

    • The best ways for a couple to title or share their money and bank accounts

    • What to do if you suspect your husband or wife is hiding money and how to assess if there is fraud or dishonesty

    • How to prepare for a potential divorce


    About Tracy Coenen:

    Tracy has been investigating fraud for more than 25 years, but she didn’t always want to be a forensic accountant. With a dream of one day being a prison warden, Tracy went to Marquette University in Milwaukee, WI to get a criminology degree. A class on financial crime investigations reminded her how much she loved Encyclopedia Brown books as a kid. She continued her criminology degree, but added accounting and economics courses so she could sit for the CPA exam… and here Tracy is, finding money in cases of corporate fraud, high net worth divorce, and other financial shenanigans.


    Resources:

    Visit dontretiregraduate.com for a full transcript of this episode.

    https://www.divorcemoneyguide.com

    https://www.instagram.com/divorcemoneyguide

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    Office Hours: Are Financial Advisors Becoming Obsolete? Mar 02, 2023

    In today’s Office Hours, Eric answers Kate's question: “Will financial advisors become obsolete? ”

    With the growth of FinTech and robo-advisors, the role of a financial advisor does seem to be changing but it may also be becoming more important to have someone in your corner.

    Have a question? Tweet it to us at @BrotmanPlanning, or post it on our Facebook and it may be used in a future episode of Office Hours!

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    Being a Financial Grownup: The Money Conversations We Should Be Having with Bobbi Rebell Feb 23, 2023

    Welcome back to Don’t Retire… Graduate! Today’s guest is Bobbi Rebell, a fellow University of Pennsylvania alum, is here for a reunion to talk about topics that we’re all thinking about (at least, we money nerds are): financial wellness, student loans, stress, and how to prepare the next generation for the future.

    Bobbi is the host of the Money Tips for Financial Grownups and author of her new book, Launching Financial Grownups: Live Your Richest Life by Helping Your (Almost) Adult Kids Become Everyday Money Smart, and a financial wellness advocate. Listen to her share her story and then go check out her podcast (specifically, Eric’s episode of course).


    In this episode we’ll talk about:

    • Bobbi’s background and how she became a journalist, CFP®, writer, and financial

    • Financial influencers, the finance media, and how dangerous it can be to talk about money when you don’t have credentials

    • Bobbi’s book, Launching Financial Grownups, and how it came to be

    • The change from helicopter parenting to concierge

    • The student loan crisis and how to get young adults to understand the impact

    • Negotiating merit scholarships and financial aid for college

    • Financial Wellness Strategies

    • Financial stress in the workplace and how it affects a company

    • Getting the next generation ready to inherit wealth and take over financial decision making


    Visit dontretiregraduate.com for a full transcript of this episode.


    About Bobbi Rebell:

    Bobbi Rebell, CFP® is the founder of Financial Wellness Strategies and the author of Launching Financial Grownups: Live Your Richest Life by Helping Your (Almost) Adult Kids Become Everyday Money Smart. She is a financial wellness advocate, the host of the Money Tips for Financial Grownups podcast and the founder of GrownupGear.com. Bobbi was previously a global business news anchor and personal finance columnist at Reuters and held various journalist positions at top news outlets including CNBC, CNN and PBS.


    Bobbi Rebell Website

    Bobbi Rebell Instagram

    Bobbi Rebell Twitter

    Bobbi Rebell LinkedIn

    Bobbi Rebell TikTok

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    Office Hours: What Are Fee-Only and Fee-Based Financial Advisors? Feb 16, 2023

    In today’s Office Hours, Eric answers Morgan's question: “What's the difference between a fee-only and a fee-based financial advisor?”

    This is a great question and understanding the different fee structures for financial advice and when they are appropriate can help you choose your advisor.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    Married to Military: The Financial Challenges Unique to Military Spouses and Families with Lacey Langford Feb 09, 2023

    Welcome back to Don’t Retire… Graduate! Today’s guest is a military veteran, military spouse, and financial coach who works to help the military community gain control and confidence around their money.

    Lacey Langford, AFC® shares her story of military service, the challenges she has seen and helped military couples overcome throughout her career, and the conference she launched to combat some of those challenges.


    In this episode we’ll talk about:

    • Lacey’s experience in the military

    • The different experiences that military families have with money that are different from civilians

    • Why military spouses are often under- or unemployed or not allowed to work

    • The decisions that have to be made when a servicemember is relocated

    • Planning for transitions and handling transitions that you cannot control

    • Having a plan for a post-military career

    • Resources available within the military

    • The MilMoney Conference and how you can get involved (https://milmoneycon.com/)


    Visit dontretiregraduate.com for a full transcript of this episode.

    Please visit https://bfgfa.com/discount-programs/ to learn about our Hometown Heroes discount programs for veterans, active duty military, military families, and first responders.


    About Lacey Langford:

    Lacey Langford, AFC® is a financial coach, veteran, military spouse, and entrepreneur who changes people’s mindset from being fearful of money to having control and confidence with it. She’s an Accredited Financial Counselor® with over 15 years of financial planning, counseling, and coaching experience. Military and money are her jams.

    Lacey’s the founder and CEO of the Military Money Show, a podcast dedicated to helping the military community with personal finance, and MilMoneyCon, a national conference for financial professionals united by military service.

    Lacey Langford, AFC® is a financial coach, veteran, military spouse, and entrepreneur who changes people’s mindset from being fearful of money to having control and confidence with it. She’s an Accredited Financial Counselor® with over 15 years of financial planning, counseling, and coaching experience. Military and money are her jams.

    Lacey’s the founder and CEO of the Military Money Show, a podcast dedicated to helping the military community with personal finance, and MilMoneyCon, a national conference for financial professionals united by military service.


    Guest Resources:

    Lacey Langford Website

    The Military Money Expert Podcast

    Lacey Langford LinkedIn

    Lacey Langford's Twitter

    Military Money Show Twitter

    Military Money Show Facebook

    Military Money Show Instagram

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    Office Hours: Shoud I Invest in Stocks or Real Estate? Feb 02, 2023

    In today’s Office Hours, Eric answers Juan's question: “Is it better to skip investing in the stock market and buy real estate instead?”

    It's not necessarily wise to go all in for either option, and Eric explains the pros and cons of each.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    Coming Out Of Hiding: A Story Of Recovery And Resilience With Laura Cathcart Robbins Jan 26, 2023

    Welcome back to Don’t Retire… Graduate! Today’s guest is the inspirational Laura Cathcart Robbins, host of The Only One in the Room podcast and author of the upcoming memoir Stash: My Life in Hiding.

    Laura opens up about her struggle with addiction—a story she’ll share in depth in her book—and her journey out of hiding and into a career as a podcast host and writer. She is truly a remarkable person with a great message of recovery, resilience, and grace that we all could benefit from.


    In this episode we’ll talk about:

    •Eric’s appearance on The Only One in the Room and how he’s calling out the male-dominated industry

    •Laura’s story as growing a career in writing and public relations as a high school drop out

    •Her experience living with a pill and alcohol addiction, checking into rehab, and going through a divorce within the public eye

    •How being the only black woman in a room of 600 people led to her launching her podcast, The Only One in the Room

    •The process of writing her memoir

    •Being vocal when you find yourself in a room lacking diversity


    Continue the conversation with Eric's appearance on The Only One in the Room: https://brotmanmedia.com/the-only-one-in-the-room/


    Visit dontretiregraduate.com for a full transcript of this episode.


    About Laura Cathcart Robbins:

    Laura Cathcart Robbins is the host of the popular podcast, The Only One In The Room, and author of the forthcoming Atria/Simon & Schuster memoir, STASH (March 7, 2023). She has been active for many years as a speaker and school trustee and is credited for creating The Buckley School’s nationally recognized committee on Diversity, Equity, Inclusion, and Justice. Her recent articles in Huffpo and The Temper on the subjects of race, recovery, and divorce have garnered her worldwide acclaim. She is a 2022 TEDx Speaker, and LA Moth StorySlam winner. Currently, she sits on the advisory boards of the San Diego Writer’s Festival and the Outliers HQ podcast Festival. Find out more about her on her website, or you can look for her on Facebook, on Instagram and follow her on Twitter.


    Laura Cathcart Robbins (@lauracathcartrobbins)

    https://theonlyonepod.com/

    https://www.youtube.com/@TheOnlyOneintheRoomPodcast

    https://www.instagram.com/theonlyoneintheroom/

    https://www.facebook.com/groups/TheOnlyOneInTheRoomPodcast

    https://twitter.com/TheOnlyOnePodc1

    https://www.huffpost.com/author/laura-cathcart-robbins

    http://www.lauracathcartrobbins.com/

    https://www.tiktok.com/@theonlyoneintheroom

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    Office Hours: Will the Stock Market Recover in 2023? Jan 19, 2023

    In today’s Office Hours, Eric answers Logan's question: “will the stock market recover in 2023?”

    There's no way to know this for sure, but Eric shares his take on how this time is different, how the stock market may behave in the coming year based on history, and what you may want to start doing now.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Visit dontretiregraduate.com for a full transcript of this episode.

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    The Most Hated F Word: Integrating Finance and Happiness with Shaun Maslyk Jan 12, 2023

    Welcome back to Don’t Retire… Graduate! and our first episode of 2023. Today’s guest is going to lead you through an interesting exercise to get you thinking about your personal money story.

    Shaun Maslyk, the host of the Most Hated F Word podcast, helps people identify their money stories and use them to improve their own financial behaviors. Grab a piece of paper and a pen and join us in this powerful journey of self-discovery.


    In this episode we’ll talk about:

    • Identifying our money stories and the life-long discovery journey it can be

    • The difference between work-life balance and work-life integration

    • A guided exercise in identifying our money stories and money traumas

    • A look into Eric’s money story and understanding the moral to his story

    • How our money stories from childhood can impact us in the future

    • How people become intoxicated by money rather than being aware of our decisions

    Visit dontretiregraduate.com for a full transcript of this episode.


    About Shaun Maslyk:

    As a trained and practicing Certified Financial Planner® and Certified Financial Behavior Specialist® Shaun integrates psychology, positive psychology, and coaching psychology theories to awaken our money stories and flourish beyond our finances. Shaun is currently studying and researching the relationship between money, behavioural change, psychology and human flourishing at the University of East London.

    Shaun is the host of The Most Hated F-Word podcast where he interviews practitioners, academics, artists and creators on what it means to have a happy, healthy and thriving relationship with money.

    www.themosthatedfword.com

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    Office Hours: Financial New Years Resolutions for 2023 Jan 05, 2023

    In today’s Office Hours, Eric answers Collin's question: "what is a good financial New Year's resolution?"

    Setting New Year's resolutions isn't always successful, but there are some easy actions you can take to improve your finances this year.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    Your Kids, Their Money: Sparking Financial Conversations and Teaching Finance with Clifton Corbin Dec 29, 2022

    Welcome back to Don’t Retire… Graduate! Today’s guest is a stay-at-home dad and author of the book Your Kids, Their Money, Clifton Corbin.

    Clifton met our team at FinCon22 and was instantly a kindred spirit, so he’s here to talk about ways to teach your kids about money, how we can change the mindset around financial independence, and finding financial resources that resonate with you.

    Listen to his conversation with Eric and start having money conversations in your own home.


    In this episode we’ll talk about:

    • What it means to be retired

    • Clifton’s childhood as a money nerd

    • Giving a child an allowance vs. teaching a child to budget

    • Making money lessons relevant and age appropriate for children

    • Changing the mindset about financial independence

    • Filtering information and understanding which resources have value

    • The cost of education and whether or not college is worth the expense

    • The community within FinCon’s annual conference


    About Clifton Corbin:

    Clifton D. Corbin, MBA, PMP, was a business consultant with over two decades of experience when he left the office to become a full-time stay-at-home dad. During this time, he authored his first book, Your Kids, Their Money, focused on providing parents with the skills and tools to teach financial literacy to their children.


    Resources

    Brotman Media Website: https://www.brotmanmedia.com/

    LinkedIn: https://www.linkedin.com/in/cdcorbin/

    Instagram: https://www.instagram.com/cdcorbin_/

    Twitter: https://twitter.com/cdcorbin

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    Office Hours: How Financial Planning Differs for Women Dec 22, 2022

    In today’s Office Hours, Eric answers Janet's question: “Is there anything different that women should be doing differently than men when it comes to financial planning?"

    With women living longer and often outliving a spouse, there can be a few aspects of a plan that affect women greater than men.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    Find Your Voice: Getting Over the Anxiety of Public Speaking and Facing Fears with Dr. Doreen Downing Dec 15, 2022

    Welcome back to Don’t Retire… Graduate! Today’s episode is free therapy as we’re joined by Dr. Doreen Downing, an expert on public speaking anxiety and finding your voice.

    Dr. Downing is a psychologist and confidence coach who specializes in the treatment of public speaking anxiety. She is the host of the Find Your Voice, Change Your Life podcast and teaches her 7-step process for transforming anxiety through presence and connection.

    Listen to her conversation with Eric and follow her steps to find your own voice.


    In this episode we’ll talk about:

    • Public speaking anxiety and where it comes from

    • How to overcome the fear of public speaking

    • Getting comfortable talking about things you’re uncomfortable talking about

    • Setting realistic goals and visions for your future

    • Focusing on being rather than doing

    • Facing fears, financially or in life

    Visit dontretiregraduate.com for a full transcript of this episode.


    About Dr. Doreen Downing:

    Dr. Doreen Downing is a Psychologist and Confidence Coach who specializes in the treatment of public speaking anxiety. She also hosts the Find Your Voice, Change Your Life Podcast.

    Doreen once suffered from extreme stage fright. In conquering it, she discovered being connected to your authentic self is the key to relaxed and confident speaking.

    In addition to coaching and online courses, she is author of Essential Speaking: The 7-Step Guide to Finding Your Real Voice, a book that teaches you how to transform your anxiety with presence and connection.

    Website: https://www.essentialspeaking.com

    Course website: https://essential-speaking.thinkific.com

    LinkedIn: https://www.linkedin.com/in/drdoreenh/

    Facebook Profile: https://www.facebook.com/drdoreendowning/

    Facebook Business Page: https://www.facebook.com/EssentialSpeaking

    Facebook Book Page: https://www.facebook.com/essentialspeakingbook

    Instagram: https://www.instagram.com/essentialspeaking/

    Twitter: https://twitter.com/drdoreenh

    YouTube Channel: https://www.youtube.com/user/drdoreenh

    Podcast Playlist: https://www.findyourvoicechangeyourlife.com

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    Office Hours: Will Social Security Survive for Gen X, Gen Z, and Millennials? Dec 08, 2022

    In today’s Office Hours, Eric answers Amanda's question: “How might Social Security change in the future if there is a large cost-of-living adjustment in 2023?”

    Between the high number of boomers retiring and the low number of people joining the workforce, it's only natural that Social Security will look a lot different for Gen Z, Millenials, and even Gen X.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    A Wealth of Joy: Redefining Success and Riches with Tamra Andress Dec 01, 2022

    Welcome back to Don’t Retire… Graduate! With the holidays right around the corner, it’s a perfect time to spread a little joy and who better to help us do that than the human sparkler herself: Tamra Andress.

    She is a thought leader in spiritual entrepreneurship who is helping business owners break out of their comfort zones, let others take the wheel, and build a brand with authenticity.

    Listen to her story and how she made the choice to redefine her success.


    In this episode we’ll talk about:

    •What it means to be “always becoming”

    •How legacies are seen as money, but should be something far deeper

    •Tombstone moments and how Tamra made the decision to change her own life in search of fulfillment

    •Redefining wealth and legacy

    •Turning work into play and finding joy in what you do everyday

    •The elements of building a business and a brand with authenticity

    •The power of retreats and why they’re helpful in life and in business

    •Why comfort zones are where people go to die

    •Surprises and the power of not knowing

    •Entering your transformation zone and capturing your message that can become your business, podcast, book, or legacy


    Visit dontretiregraduate.com for a full transcript of this episode.


    I've been called a human sparkler (who doesn't need a little sparkle in their life) and a top thought leader in spiritual entrepreneurship.

    I'm an international speaker, 2x best selling author, and the founder and chief evangelist of F.I.T. in Faith Media Company.

    As an ordained minister, I am commissioned to activate purpose-driven leaders personally and professionally with their broadcasted messages and businesses through publishing, podcasting, and play.

    Yes, work should be fun!

    My role as an event host to annual conferences and retreats enables me to help unleash identity and freedom around the world by bringing together other like-hearted and like-minded sisters and brothers!

    www.tamraandresss.com

    www.fitinfaithmedia.com

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    Office Hours: Using Allowance to Teach Positive Lessons to Your Kids Nov 23, 2022

    In today’s Office Hours, Eric answers Kyle's question: “Does giving my child an allowance teach them positive or negative lessons about money?”

    The short answer is it can do both, but there are ways to offer an allowance that can teach your child about saving, philanthropy, and other important life lessons.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    What the Fintech? How Technology is Opening the Financial Industry to More Diverse Voices with Nicole Casperson Nov 17, 2022

    Welcome back to Don’t Retire… Graduate! We’re holding the industry accountable today with the help of WTFintech creator and People of Finance podcast host, Nicole Casperson.

    Her passions for journalism and financial technology are helping underrepresented communities access financial services and she is a thought leader on how to improve the technology to better serve those communities.

    Listen to her story, eat some vegetables, and start improving your own financial behaviors.


    In this episode we’ll talk about:

    • The WTFintech newsletter and how it helps grow representation within the finance industry

    • Gamification and how it can be both good and bad when it comes to finance

    • How finance apps like Venmo are designed to produce FOMO rather than good financial behaviors

    • The effects of culture on personal finance and financial behavior

    • Changing the mindset we have around money so it can be a tool for change

    • The game is rigged – why the majority is losing while a small number win

    • The power of authenticity and vulnerability in the media


    Visit dontretiregraduate.com for a full transcript of this episode.


    About Nicole Casperson:

    Nicole Casperson is the creator of WTFintech? - a twice-weekly industry newsletter with nearly 50,000 subscribers, and averaging a 45% unique open rate.

    She is the host of Humans of Fintech (formerly WTFintech?) - a weekly podcast taking you behind the scenes with some of the most successful fintech founders operating today. With a particular focus on women and operators from underrepresented backgrounds.

    Nicole on Twitter: https://twitter.com/nicolecasperson

    Nicole on LinkedIn: https://linkedin.com/in/nicole-casperson-0820a5133

    Nicole's Podcast: https://podcasts.apple.com/us/podcast/humans-of-fintech/id1600731457

    Nicole's Newsletter: https://workweek.com/brand/wtfintech/

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    Office Hours: Should I Be Using Cash or Credit? Nov 10, 2022

    In today’s Office Hours, Eric answers Ben's question: "Is it better to pay in cash for daily purchases or use a credit card?”

    This answer can vary based on your spending habits, so Eric is here to outline who may benefit from each option.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Find Your Battle Buddy: Helping Veterans Reach Financial Freedom with Dr. Ann James Nov 03, 2022

    Welcome back to Don’t Retire… Graduate! With Veterans Day coming up, we have a very special guest to talk about how she uses her own experience with finance and military service to serve the Veteran community.

    Dr. Ann James is a veteran of the U.S. Air Force, a Certified Financial Coach, and the CEO of Financial Freedom Battle Buddies, and is on a mission to help fellow veterans transform their financial well-being.

    We thank Dr. James and all her fellow veterans for their service and are proud to share her story with you today.


    In this episode we’ll talk about:

    • Dr. Ann James’s story of military service, single parenthood of a child of special needs, and how she found her passion for personal finance.

    • The importance of financial planning as a parent of a child with special needs.

    • The B.A.T.T.L.E. plan for financial freedom.

    • The loss of financial security many military families feel when they leave the service.

    • Necessary versus unnecessary debt.

    • The unique challenges that are faced by the military community and the challenges that come with working with the community.

    • Advice for military members who are still serving for transitioning out of the military.

    • What comes next and what Dr. James wants to be when she grows up.


    About Dr. Ann James

    Dr. Antoinette (Ann) James began her career as an enlisted member in the U.S. Air Force. Over her military career, she held numerous positions which included personnel administration and financial management. Upon earning her commission, she was responsible for executing multi-million-dollar operating budgets within the U.S. and overseas. After 21 years of proud service, she retired and went on to earn her Doctorate of Education.

    Currently, as a Certified Financial Coach and CEO of Financial Freedom Battle Buddies, Dr. Ann is on a mission to educate and equip military veterans on how to transform their financial well-being using her B.A.T.T.L.E method. She’s been featured and cited on several platforms such as USA Today and the Penny Hoarder. In her free time, she enjoys traveling, reading and spending time with family and friends.

    www.drannjames.com


    Visit dontretiregraduate.com for a full transcript of this episode.

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    Office Hours: Regretting a Big Purchase Oct 27, 2022

    In today’s Office Hours, Eric answers Michelle's question: “what's one big purchase you've made and regretted later?"

    Everyone experiences buyer's remorse at some point in their life, and Eric is no different. Hear what he has regretted purchasing in his life, and send us a message about your biggest spending regrets.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    Money Talk with Tiff and Eric: How Money Nerds Are Making Finance Less Boring Oct 20, 2022

    Welcome back to Don’t Retire… Graduate! Today’s guest is Tiffany Grant, a financial counselor and the host of the Money Talk with Tiff podcast.


    Tiffany is a fantastic content creator within the personal finance space—except for her online quiz that must be broken if Eric did not get a perfect score—and is one of the many money nerds making financial literacy accessible to the public.


    Listen to her story and take her online quiz (after you listen to Eric giving out the answers, of course) to see if you can beat Eric’s 92%.


    In this episode we’ll talk about:


    • Tiffany’s upbringing that led her to financial and professional success

    • Student loans and how to go through graduate school without paying tuition and/or getting paid

    • Financial literacy and the lack of education in most schools

    • Extra credit assignments and why those who need help aren’t the ones who seek it

    • The Money Talk with Tiff podcast and how it’s helping to spread financial education

    Visit dontretiregraduate.com for a full transcript of this episode.


    About Tiffany Grant:

    Where do I start? I am a self-proclaimed money nerd and proud of it! I live and breathe finances. After years of giving impromptu advice to family and friends, I said why not start a blog? This way all of the knowledge will have an online platform and reach even more people!


    From a young age, I was always money-conscious. I remember being as young as 6 and clipping coupons. Did anyone use them? Nope, but I found joy in going through the motions. When I got my first job at 16, I used coupons to get more bang for my buck. Once I saw how helpful they were, I used coupons for everything! Cashiers were impressed by a teenager leaving with a cart full of items for only $20.


    ​As time progressed, I wanted to do more with my money. I started investing at the age of 19. I had amassed a few thousand dollars but decided to sell it all when times got rough. Big mistake but I had to do what I could.


    I bought my first house at the age of 26. How? By saving, keeping a close eye on my credit, and living well below my means. Frugal is my middle name! Wealth-building is all about having goals and being laser-focused on accomplishing them. My next goal is to be debt-free (except the house) by age 30.


    What makes this even more amazing is I did it all while being a single mother of two little boys, working full-time, and going to school. Now, what's your excuse? Let's get started! Time is ticking!


    I have a Bachelor in Business Administration with a concentration in Management, Master of Business Administration (MBA), Accredited Financial Counselor (AFC), SHRM-CP, Lean Six Sigma Yellow Belt, and years of experience helping people like you!


    https://www.moneytalkwitht.com/

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    Office Hours: Understanding the 2022 Market Correction Oct 13, 2022

    In today’s Office Hours, Eric answers Emily's question: “how does the 2022 market correction compare to prior market corrections and what should investors do?"

    The factors causing the current market conditions are unique, but there is a common factor that exists between all the corrections we've seen in the past: fear. This episode will explain what is happening in the markets right now and what investors should be doing.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    The Foreign Language of Finance: Overcoming Cultural, Racial, and Gender Biases to Find Financial Success with the Financially Savvy Latina Oct 06, 2022

    Welcome back to Don’t Retire… Graduate! Today’s guest is Natalie Torres-Haddad MPA, AWA, a two-time TEDx speaker, award-winning author, and the host of Financially Savvy in 20 Minutes.


    Natalie’s story of being raised by immigrants during the LA Riots, experiencing the cultural differences between the rich and poor, and learning about money the same way she learned a second language should serve as inspiration for anyone struggling to reach financial independence.


    We are so glad to have her here to share her story, discuss what it’s like to be successful in an industry in which you’re underrepresented, and that sometimes you just need to give yourself a little grace.


    In this episode we’ll talk about:

    • Natalie’s upbringing and personal finance became a language she had to learn

    • Being patient with yourself and figuring out what you can learn in 20 minutes each day

    • Generational and familial differences and how we all struggle differently

    • The field of finance and how breaking through it as a woman and/or a person of color is still a challenge

    • Figuring out what works for you and giving yourself grace

    • Learning from your mistakes more than when things go well


    Visit dontretiregraduate.com for a full transcript of this episode.


    About Nathalie Torres-Haddad:

    She is an international award winning author, educator and bilingual podcast host of Financially Savvy in 20 Minutes. Her expertise has been featured in Forbes, Huffington Post, LA Times, and many news outlets like Telemundo and Fox.

    A two time TEDx speaker known for her talk “The foreign language of financial literacy”.

    Some of her videos have received over a million views and is a sought out keynote speaker all over the country as a financial literacy and mental health advocate. A first generation college graduate from CSULB, in Finance and International Business with a Masters from CSUN, she focuses on helping those with debt and working toward financial independence. Her first children's book in 2020 Made the #1 best seller on Amazon: "A dress to remember" based on the nonprofit LA's Prom Closet she had for several years. Born in El Salvador, and raised in Inglewood she quickly understood that the lack of financial literacy limits her community of basic human rights and equality in resources. She started investing in real estate at age 24 and began her career advocating for financial literacy.

    http://financiallysavvyin20minutes.com/

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    Office Hours: Getting Started as a Beginner Investor Sep 29, 2022

    In today’s Office Hours, Eric answers Tony's question: “What's the easiest way for a beginner investor to get started?”

    The first step of any journey can be difficult, but in this case we think education is a great place to start. After that, it can depend on your goals and will take practice.

    Have a question? Tweet it to us at @BrotmanPlanning, or post it on our Facebook and it may be used in a future episode of Office Hours!

    Visit dontretiregraduate.com for a full transcript of this episode.

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    How to Not Lose Money in the Stock Market: Understanding Mainstream Investing with Joseph Hogue Sep 22, 2022

    Welcome back to Don’t Retire… Graduate! Today’s guest is Joseph Hogue, CFA®, the host of Let’s Talk Money! With Joseph Hogue, joining us to break down the art and science of investing and share his rules for making money in the stock market.

    Investing has become entertainment media and everyone wants to be slinging stocks, but Joseph shares his ideas about why very few people should really own individual stocks and why funds are better for the vast majority. Plus, hear his three rules to follow to not lose money when investing.


    In this episode we’ll talk about:

    • What investing really is and how it can give everyone a taste of entrepreneurship

    • The reason people are scared or intimidated by investing

    • Human behavior and how we tend to make the wrong choices with our money

    • Looking at stock market crashes as flash sales

    • How to tell the difference between good financial advice and not-so good advice

    • Who should or should not own individual stocks and how to balance your portfolio for growth

    • The 3 rules to not lose money on stocks

    • When you should or should not sell your shares

    • Concentrated stock positions and overweighting your portfolio in one investment, including your own company

    • Income risk and financial risk in choosing your investments

    Visit dontretiregraduate.com for a full transcript of this episode.


    About Joseph Hogue

    Born and raised in Iowa, Joseph Hogue graduated from Iowa State University after serving in the Marine Corps. He worked in corporate finance and real estate before starting a career in investment analysis. He has appeared on Bloomberg and CNBC and led a team of equity analysts for a venture capital research firm. He holds a master’s degree in business and the Chartered Financial Analyst (CFA) designation.

    Joseph left the corporate world in 2014 to build his online businesses, first through creating websites and later through his YouTube channel, Let's Talk Money. He's since grown the community to over 550,000 and reaches more than 1.8 million people a month through the blogs, YouTube and a weekly market newsletter.

    https://www.youtube.com/c/LetsTalkMoneywithJosephHogueCFA

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    Office Hours: Equitable Divorce Agreements Sep 15, 2022

    In today’s Office Hours, Eric answers Julia's question: “I'm getting divorced. How do I know if I'm getting a fair split of marital assets?”

    This can be a hard situation to navigate, but bringing in a financial professional is a great way to start.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    Good, Bad, and Dangerous: The Best and Worst of Financial Advice and Advisors with Joe Saul-Sehy Sep 08, 2022

    Season 5 is here and Don’t Retire… Graduate! is back to share more actionable strategies for reaching financial independence and talk to more money nerds about what they want to be when they grow up.

    And your eyes are not deceiving you—this season we’re recording in VIDEO! If you’re on an audio-only player, thank you so much for listening. If you’re watching our first time doing this on camera, thank you and welcome!

    Starting a new season is exciting enough, but we wanted to really kick it off, so we brought back one of our favorite guests and all-time favorite Stacker, Joe Saul-Sehy, host of the Stacking Benjamin’s podcast and co-author of the book STACKED: Your Super Serious Guide to Modern Money Management.

    Joe is back to share some of his experiences from his past life as a financial advisor, including the best and worst advice he’s ever heard and the red flags he’s seen from other advisors that should have you running for the office exit.


    In this episode we’ll talk about:

    • Social media and the harmful financial advice that can be found on it

    • What compliance means and how it keeps financial advisors from sharing bad information

    • Identifying the filters, credentials, and backgrounds of the people you get advice from online

    • Bernie Madoff, undisclosed insiders, and schemers to look out for

    • Red flags of financial advisors you can see just walking into the office—from what’s on the television to the layout of the furniture

    • Asking who, not how when you need to do learn something new—like writing a great book with Emily Guy Birken


    Visit dontretiregraduate.com for a full transcript of this episode.

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    Advice for Future Financial Advisors Sep 01, 2022

    In today’s Office Hours, Eric answers Jesse's question: "What advice do you have for someone interested in a career in finance or as an advisor?”

    The career path for a financial advisor is not well-defined, but there are several ways to get into the industry for a successful career.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Visit dontretiregraduate.com for a full transcript of this episode.

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    A Life Well Lived: Embracing Life by Doing Things You’ve Never Tried Before (Rerelease) Aug 25, 2022

    Welcome back to Don’t Retire… Graduate! As part of our summer throwback series, we’re bringing back some of our favorite episodes from seasons passed.

    This episode, originally released in season 3, features Heidi Herman, author of On with the Butter: Spread More Living onto Everyday Life. At 93 years old, Heidi’s mother made a list of 93 new experiences she wanted to try before she turned 94—from paragliding in Iceland to visiting the Great Barrier Reef to ziplining through the Mall of America. Now, Heidi joins us on the show to talk about the experiences her and her mother tried together and how they are inspiring others to embrace life fully.

    In this episode we’ll talk about:

    • Heidi’s mother and her secret to embracing life
    • Ideas for exciting new experiences and ways to find something new you can try regardless of age or ability
    • Thinking about what you want to be when you grow up and what you want to do when you’re no longer tied to a career
    • The icelandic saying of Áfram með Smjörið and how it inspired Heidi and her mother

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    How Much Do You Need to Save for Retirement? Aug 18, 2022

    In today’s Office Hours, Eric answers Ryan's question: “When and how do you come with a hard figure goal for your retirement savings?”

    Setting a savings goal for retirement is trying to hit a moving target, so you should be revisiting this question regularly. But if you're trying to do the math, this episode can help.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    Why Are You Happy?: Finding Joy and Strength in the Wake of Tragedy (Rerelease) Aug 11, 2022

    Welcome back to Don’t Retire… Graduate! As part of our summer throwback series, we’re bringing back some of our favorite episodes from seasons passed.

    Today, we’re welcoming back Kristy Schiano, Yogi and owner of the Mindful Movement Center, to tell her story of tragedy, loss, strength, and resilience. While training for a triathlon, Kristy was hit by a truck and suffered severe physical and mental injuries, causing her to lose nearly everything—including the ability to walk and talk—but she held strong to hope and joy. Her recovery has centered around helping others manage their chronic pain through yoga and meditation. Listen to her story and take her extra credit assignment seriously (even if it won’t be graded)!

    *Please note this episode is rereleased from season 1, and we will NOT be taking a break. Come back next week for another episode of Office Hours!*

    In this episode we’ll talk about:

    • Kristy’s story of being hit by a truck while training for a triathlon and needing to relearn everything we take for granted
    • Financial, physical, and spiritual wellness and how they interact in our daily lives
    • Using meditation and breathing techniques in times of stress and anxiety
    • Pivot points we experience throughout our lives, both expected and unexpected
    • Financial wellness, paying yourself first, and having a plan for the future
    • Spirituality, religion, and the spiritual journey Kristy experienced through yoga
    • The power of empathy and compassion

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    Why Do Financial Advisors Have Asset Minimums? Aug 04, 2022

    In today’s Office Hours, Eric answers Brianna's question: “What is the real reason that financial advisors have asset minimums?”

    Take a look under the hood to understand how financial advisors generate revenue, what asset minimums are for, and how BFG is doing things differently with Financial Planning for All.

    Have a question? Post it in the comments, tweet it to us at @BrotmanPlanning, or post it on our Facebook and it may be used in a future episode of Office Hours!

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    Generation Wars: How Millennials, Gen Xers, and Boomers are Planning for Financial Independence Differently (Rerelease) Jul 28, 2022

    Welcome back to Don’t Retire… Graduate! As part of our summer throwback series, we’re bringing back some of our favorite episodes from seasons passed.

    Today, we’re welcoming back our very own Yanni Niebuhr, CFP®, Chief Investment Officer here at BFG Financial Advisors. Originally released way back in our first season, this episode is still as relevant as ever and covers the financial planning from the perspectives of the Millennial and Gen X generations, and how people are planning differently about the next chapter of their lives. And please join us in congratulating our guest, who, in the time since this episode was recorded, welcomed his second baby boy!

    In this episode we’ll talk about:

    • How retirement planning is a marathon, not a sprint, and why planning should start early
    • How Yanni, a Towson University grad, got his start in financial planning and what he wants to be when he grows up
    • The sandwich generation and multigenerational financial planning
    • How millennials and adults in their twenties or thirties can be doing to prepare for retirement
    • The average debt and student loans for recent grads and how it can hurt your financial independence
    • Deciding what your financial priority should be
    • Legacy planning and leaving behind things more important than money – freedom, independence, vision, values
    • Talking about money within families and how views can vary with your parents, spouse, or grandparents
    • Side hustles and how they’re impacting the idea of FIRE (financially independent retire early)
    • Entrepreneurship and small business self-employment and how it can help you pursue your passions
    • Social awareness and the importance it holds with younger generations
    • Pensions, three-legged stools, social security and other antiquated retirement ideas being replaced by “you’re on your own”
    • Living in two-income society vs older generations able to live on a single income
    • Transferring wealth between generations, to children and grandchildren, in tax-efficient ways through life insurance, trusts, and 529 College Savings Plans without creating a Billy Madison situation
    • Unemployment and underemployment, and the shrinking value of college degrees

    Visit dontretiregraduate.com for a full transcript of this episode.

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    Spending Your Assets: Understanding Safe Withdrawal Rates Jul 21, 2022

    In today’s Office Hours, Eric answers April's question: “Why do some advisors say that taking 5% or more of your retirement nestegg out every year is dangerous?”

    Determining a reasonable withdrawal rate depends on factors including your asset level, retirement timeline, and age. Eric explains three different asset structuring strategies that can help you avoid outliving your money.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    Marrying Your Finances: Navigating Engagements, Marriages, and Divorces as a Couple (Rerelease) Jul 14, 2022

    Welcome back to Don’t Retire... Graduate! As part of our summer throwback series, we’re bringing back our very own Lena Nebel, CFP®, Chief Operating Officer here at BFG Financial Advisors. This episode, originally released in Season 3, dives into the topics around marriage that people don’t necessarily want to talk about, like how much to spend on the engagement ring, how to ask for a prenup, and what to do when you and your partner don’t agree on money topics.

    In this episode we’ll talk about:

    • The major purchase of engagement rings and best practices for budgeting, choosing a ring, and getting it insured
    • When to talk about finances with your partner and what you should be talking about
    • Who should be considering a prenuptial agreement and how do you address it
    • Roles and responsibilities in the relationship and how to merge them as a couple
    • Combining finances and determining which account should be separate and who is financially responsible for what
    • Finding the happy medium when a spender marries a saver
    • How to handle inheritances after marriage and determining if it’s a marital asset
    • Estate planning as a married couple
    • Looking at benefits and beneficiaries with the possibility of widowhood in mind

    Visit dontretiregraduate.com for a full transcript of this episode.

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    What You Need to Know About Student Loans Jul 07, 2022

    In today’s Office Hours, Eric answers Shelby's question: “what do you think every student should know before taking out student loans?”

    Student loans can be confusing and there is a lot to know. We're talking about a few different factors including return on investment and whether or not the loan is subsidized.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    Making it Work: Discovering New Opportunities to Build a Business at Any Age (Rerelease) Jun 30, 2022

    Summer is in session but we’re not taking off! Throughout the season, we’ll be bringing back listeners’ favorite episodes from past seasons and answering brand new Office Hours questions!

    Today’s episode from season 2 (originally released at the height of the COVID-19 pandemic) features Cait Lockwood (formerly Caitlin Pyle), founder of Work-at-Home School and Proofread Anywhere, talking about how she went from being fired from a job to building a seven-figure company she could run from home. Listen to this great conversation about how you can build your own business without leaving the house—even if you’re already retired.

    In this episode we’ll talk about:

    • Remote work and unemployment during and after the COVID-19 pandemic
    • Cait’s journey from being fired to building two businesses
    • Discovering the viability of full-time freelance work
    • What it takes to be entrepreneurial and create your own company
    • Advice for someone looking to change careers or generate additional income
    • The three-step system for success as a freelancer
    • Identifying the lies we’re programmed to believe that can keep us from reaching our full potential
    • Breaking past the self-doubt that can hold you back and replacing them with truths
    • Abundance mindset vs scarcity mindset
    • Leveling up by identifying existing skills and learning new ones
    • The importance of confidence in successfully launching as a freelancer
    • Changing the way we see retirement and throwing out conventional idea of retirement
    • The reality of fixed income and how you can un-fix it
    • Thinking outside—or breaking out of—the box you’re in to make more money and reach financial independence
    • Inflation rate and how it affects retirees and seniors more than the rest of us
    • The main things seniors spend money on – leisure, health care, education for grandkids, and scratch-off lotto tickets
    • The investment of online courses for building new skills
    • Millennials, participation trophies, and accepting failure as a lesson
    • Vetting online courses and creators and filtering out scams
    • Understanding affiliate marketing and how you can use it to make commission income
    • Using social media and your existing networks for market research and finding clients

    Visit dontretiregraduate.com for a full transcript of this episode.

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    How Much Money Should You Have in an Emergency Fund? Jun 23, 2022

    In today’s Office Hours, Eric answers Jenna's question: “how much should I have in an emergency fund?”

    This can vary based on a lot of factors, and emergency funds don't need to just be in the form of savings accounts. Eric explores the different layers that can make up your emergency fund and the rules of thumb for how much money is safe.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    The Behavioral Investor: How Our Minds and Emotions Can Ruin Our Investment Portfolios with Dr. Daniel Crosby Jun 16, 2022

    Welcome to the season four finale of Don’t Retire... Graduate! We’ve had amazing guests this season and couldn’t be more excited to finish with today’s guest. Dr. Daniel Crosby is a psychologist and behavioral finance expert who helps organizations understand the intersection of mind and markets and explores the way our brains affect our choices when it comes to money. He is here to talk about the way mental biases can affect our decision making and make us uniquely stupid when it comes to money (his words, not ours).

    In this episode we’ll talk about:
    •Behavioral finance and looking at the role psychology plays in our financial lives
    •How people are uniquely stupid when it comes to money and how the brain reacts when thinking about money
    •The biases we all can fall victim to that can negatively affect our investments
    •Decision making styles applied to money versus everywhere else in our lives
    •The performance of Amazon stock over the past twenty years
    •Day trading and how active investors tend to underperform
    •Action bias, confirmation bias, investing alongside your political party, investing alongside your morals, loss aversion, the house money effect, and mental accounting and how they all affect our financial choices
    •The value of a financial advisor versus doing it yourself
    •Results of studies on financial advising, including investors working with advisors accumulating far more wealth than those without advisors
    •The meaning of the term fiduciary and how it applies to finance and psychology
    •Giving up on dreams of professional sports careers
    •Positive psychology, PERMA, and Dr. Martin Seligman’s contribution
    Visit dontretiregraduate.com for a full transcript of this episode.

    Dr. Crosby's Book

    About Daniel Crosby

    Dr. Daniel Crosby is a psychologist and behavioral finance expert who helps organizations understand the intersection of mind and markets. Dr. Crosby's first book, Personal Benchmark: Integrating Behavioral Finance and Investment Management, was a New York Times bestseller. His second book, The Laws of Wealth, was named the best investment book of 2017 by the Axiom Business Book Awards and has been translated into 7 languages. His latest work, The Behavioral Investor, is a comprehensive look at the neurology, physiology and psychology of sound financial decision-making.

    https://www.standarddeviationspod.com

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    Financial Planning for the Do-It-Yourselfer Jun 09, 2022

    In today’s Office Hours, Eric answers Jason's question: “what are a few basic aspects of a financial plan that I can create myself?”

    The truth is, you can do it all yourself or with the help of a few vendors. A financial planner is not necessarily needed. But which way is right for you?

    Have a question? Post it in the comments, tweet it to us at @BrotmanPlanning, or post it on our Facebook and it may be used in a future episode of Office Hours!

    Visit dontretiregraduate.com for a full transcript of this episode.

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    M is for Money: Teaching Personal Finance to Kids in School and at Home with Rob Phelan Jun 02, 2022

    Welcome back to Don’t Retire... Graduate! Today we’re going back to school with Rob Phelan, a high school math and personal finance teacher and author of the children’s book M is for Money. Rob is here, live from his classroom, to talk about money and the roadblocks we’re facing while advocating for personal finance education for kids.

    In this episode we’ll talk about:

    •The difference between math and personal finance
    •Why we overestimate our abilities in nearly all aspects, but doubt our abilities to understand and make money
    •Money stories and how we’re shaped to make decisions as children
    •Why it’s so hard to create a formal education in personal finance
    •The struggles teachers face when creating personal finance curriculums
    •Nonprofit organizations that have resources available for schools and students
    •How kids can start learning about money as early as preschool and how we can teach money concepts at different ages
    •Entrepreneurship, pre-selling a business idea, and crowdfunding
    •Understanding regret and buyer’s remorse as a child
    •The ice cream theory of teaching patience and delayed gratification to toddlers

    Visit www.misformoneybook.com to learn more about Rob's book.
    Visit dontretiregraduate.com for a full transcript of this episode.

    About Rob Phelan

    Rob Phelan is a high school math and personal finance teacher in Frederick, Maryland, a Certified Financial Education Instructor, business owner, and author of the recently published children’s book, M is for Money.

    Rob is a passionate advocate for greater levels of financial education to help our youth make better financial decision moving into their futures.

    Rob Phelan Facebook

    Rob Phelan Twitter

    Rob Phelan Instagram

    Rob Phelan LinkedIn

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    Paying Over Asking Price For a House: Good or Bad Idea? May 26, 2022

    In today’s Office Hours, Eric answers Matthew's question: “is it better to pay over the asking price for a house or just rent?"

    There is so much going on in the market right now that is making purchasing a home -- especially your first home -- particularly difficult and expensive. Do you go for it or wait it out?

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    A full transcript of this episode can be found at dontretiregraduate.com.

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    True Grit: Blazing a Trail from Homelessness to Award-Winning Financial Educator with Sharita Humphrey May 19, 2022

    Welcome back to Don’t Retire... Graduate! Our guest today did what nobody thought was possible: left Eric speechless. Sharita Humphrey has a remarkable story of grit and resilience. From a homeless mother of two living out of a motel, Sharita promised her sons that she would change their situation and did not rest until she did. The now award-winning financial educator is here to share that story and spread her message that just because you lose things, you can never lose hope.

    In this episode we’ll talk about:
    • The importance of having money conversations at home
    • Sharita’s story of becoming a mom early, the feelings of failure that came with losing her home, and her experience living in a motel for close to a year
    • How financial literacy education can change your financial trajectory
    • How it feels to leave traditional employment and scratch an entrepreneurial itch
    • Keeping experiences as a line item on a budget
    • Creating a safety net by building an emergency fund
    • Creating jobs and abundance through agriculture
    • Seeing your budget as a blueprint to keep you in the driver’s seat
    Visit dontretiregraduate.com for a full transcript of this episode.

    www.sharitamhumphrey.com

    www.changeinmotion.co

    About Sharita M. Humphrey

    Sharita M. Humphrey is a nationally recognized, award-winning finance expert and money mentor. Having previously been broke and homeless herself, Sharita knows first-hand that financial freedom has a blueprint and she’s committed to helping individuals change the financial trajectories of their lives. 

    Sharita is a certified financial educator, speaker, and coach. At her namesake financial consulting company, Sharita helps minority women better understand, manage, and grow their money. Sharita also helps Black and Brown entrepreneurs learn how to accelerate their businesses and secure funding through her other company, Change In Motion, which offers a comprehensive education program. 

    In 2020, Sharita was named National Financial Educator of the Year for her work within her local community and across the country. She is a regular contributor to entrepreneurial publications and has been featured in top-tier media including CNBC, iHeartMedia, Forbes, Yahoo Finance and BBC World News. 

    This year, Sharita and her family set a goal of purchasing hundreds of acres of land over the next few years to build a family-run farm. During their journey, Sharita is teaching minority farmers how to obtain monies to acquire farmland and helping them to retain their land for generations to come.

    Sharita M. Humphrey Facebook
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    Lump Sum or Annual Payments? How Lottery Winners Should Claim their Fortune May 12, 2022

    In today’s Office Hours, Eric answers Mark's question: "if you won the lottery and had the option of $30 million upfront or a million dollars a year for 30 years, which is actually the better option?"

    Unfortunately this is not a circumstance many of us will see ourselves in, but let's talk about it anyway. What are the realities of winning the lottery?

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Visit dontretiregraduate.com for a full transcript of this episode.

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    One Good Thing: Gamifying Your Budget, Playing Financial Tetris, and Learning to Laugh at Money with Emily Guy Birken May 05, 2022

    Welcome back to Don’t Retire... Graduate! We have a very fun episode today and couldn’t be more excited to have Emily Guy Birken here. She is a lifelong money nerd, award-winning writer, and the co-author of STACKED: Your Super Serious Guide to Modern Money Management, written with longtime DRG friend, Joe Saul-Sehy. Emily joined us to talk about how to look at your money like a game of Tetris, the way gamification can be a powerful tool for change, and, of course, to set the record for the number of times “hemorrhoid” has ever been said on this show.

    In this episode we’ll talk about:
    • Emily’s goals for every day
    • How to see your finances as a Tetris game and use it to help with budgeting
    • How an emergency fund is the Easy Spin of budgeting
    • Taking control of your money rather than seeing it as something out of your control
    • Gamification of money and when it is good versus when it can be harmful
    • The mental activation that comes with gamification and identifying what behavior is being rewarded
    • Hiring an advisor who won’t bleed you dry and the three questions you should ask a financial advisor
    • How to know if your advisor is actively doing the work to help you meet your goals and recognize your money values
    • Why you want an advisor who works with people similar to you
    • Paying attention to professional designations and understanding the regulations and standards that come with them
    • Why a CFP (Certified Financial Planner) is the gold standard of financial advisors
    • Understanding what an advisor does for his/her clients
    • Who the perfect Stacked reader is
    • Emily’s retirement readiness checklist and the things you should be thinking about to be ready to retire
    • Identifying one good thing everyday

    No Stacking Benjamins hosts were harmed in the making of this episode.

    Visit dontretiregraduate.com for a full transcript of this episode.

    Download Emily's Retirement Readiness Checklist at emilyguybirken.com/DRG

    About Emily Guy Birken

    Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

    She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

    Emily lives in Milwaukee with her family.

    www.emilyguybirken.com

    Facebook: Emily Guy Birken
    Twitter: @EmilyGuyBirken

    Instagram: @EmilyGuyBirken

    LinkedIn: Emily Guy Birken

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    Employee Benefit Options You Need to Stop Ignoring Apr 28, 2022

    In today’s Office Hours, Eric answers Felix's question: what is the most valuable employee benefit I should take advantage of?

    This is a great question and the answer varies by person, but there are a few employee benefit options that most people underutilize and even ignore.

    Find a full transcript of this episode at dontretiregraduate.com.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

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    FIRE Success Story: Taking the Trip of a Lifestyle at Age 29 Apr 21, 2022

    Welcome back to Don’t Retire... Graduate! We have two guests today, Steven and Lauren Keys, who did something pretty incredible: retired before they turned 30. They came on the podcast to talk about how they reached financial independence at a young age, how they saved their nest egg without large salaries, and their plan for the rest of their retirement.

    In this episode we’ll talk about:
    • Cutting expenses to save money and pay off debt
    • Living frugally without sacrificing your lifestyle
    • Using your passions to bring in extra income
    • How to make a full-time income with part-time work
    • Dispelling the myth that retirement means not working at all
    • Living with an abundance mentality rather than a scarcity mentality
    • Employee benefits without an employer
    • Insurance considerations when in an early retirement
    • How money experiences growing up can affect your perspective on money as an adult
    • Gamifying your finances to motivate you towards your goals
    • Overconsumption and how to avoid it
    • Using money to buy freedom rather than stuff
    • The Financial Roadmap

    Steven & Lauren's Financial Roadmap: https://www.tripofalifestyle.com/roadmap/

    Visit dontretiregraduate.com for a full transcript of this episode.

    About Lauren ad Steven Keys:

    We’re Lauren and Steven, a middle-class couple who managed to bank enough money to retire from our full-time jobs at age 29. By making a few lifestyle tweaks soon after graduation, we grew a buffer of cash and investments that gave us a ton of flexibility and enabled us to do some really fun stuff too, like taking six months off to explore Hawaii and another seven months to travel to every National Park in the US. Now we’re hoping to help other people (like you!) do something similar.

    TripofaLifestyle.com

    Facebook: Trip Of A Lifestyle

    Twitter: TOALifestyle

    Instagram: Trip Of A Lifestyle

    Linked In: Trip Of A Lifestyle

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    Is Your Financial Advisor a Fiduciary? Apr 14, 2022

    In today’s Office Hours, Eric answers Gary's question: Are all financial advisors and planners fiduciaries?

    This is a great question and the simple answer is no. Listen to hear Eric explain what a fiduciary is, why it's important to know if your advisor is a fiduciary, and how you can tell.

    Have a question? Post it in the comments, tweet it to us at @BrotmanPlanning, or post it on our Facebook and it may be used in a future episode of Office Hours!

    Find a full transcript of this episode at dontretiregraduate.com.

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    One Point Better: Gender Differences, Money Histories, and How to Get a Little Better Every Day with the Chief Financial Mom Apr 07, 2022

    Welcome back to Don’t Retire... Graduate! Today’s guest is the most educated individual we know in this industry. Dr. Mary Bell Carlson is a financial behavioral expert who has worked with the government, military, and financial educational organizations, is an adjunct professor of financial planning, and is the founder of Chief Financial Moms. She’s here to talk about gender differences in personal finance, money histories, and how we can get just one point better every day.

    In this episode we’ll talk about:

    •The asset shift from baby boomer men to women that will be taking place over the next decade
    •How women and men look at financial advice and manage money differently
    •The need for women in financial planning
    •Personal financial literacy education and how to know if your school is teaching it
    •Understanding your money history and starting conversations about it as a couple
    •How you can get even half a point better each day

    Visit dontretiregraduate.com for a full transcript of this episode.

    Resources mentioned in this episode:

    https://checkyourschool.org/

    https://www.jumpstart.org/

    https://freeguide.chieffinancialmom.com/

    About Mary Bell Carlson

    Dr. Mary Bell Carlson is a financial behavior expert and has worked in both the military and government communities for the last decade. From the bowels of the Pentagon to international audiences, Dr. Carlson has presented numerous financial seminars and worked on a variety of financial planning and education projects.

    After getting married and having her two daughters, she started Chief Financial Mom.com, a personal finance education platform to help busy moms. Currently, she also works as adjunct faculty for the financial planning programs at both the University of Georgia and Texas Tech University.

    ChiefFinancialMom.com

    Facebook @ChiefFinancialMom

    Twitter @ChiefFinanceMom

    Instagram @ChiefFinancialMom

    YouTube Channel @Chief Financial Mom

    Linkedin @Mary Bell Carlson, Ph.D., CFP®, AFC®

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    Worst Money Mistakes People Make Every Day Mar 31, 2022

    In today’s Office Hours, Eric answers Alex's question: As a financial advisor, what is the most common mistake you see people making with their personal finances?

    This was a hard question to answer because there are a LOT of mistakes people make. The common factor for all of them? Emotions.

    Have a question? Post it in the comments, tweet it to us at @BrotmanPlanning, or post it on our Facebook and it may be used in a future episode of Office Hours!

    A full transcript of this episode can be found at dontretiregraduate.com.

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    Buying Happiness: Using Money as a Tool to Maximize Your Lifestyle Mar 24, 2022

    Welcome back to Don’t Retire... Graduate! Today’s guest came ready for a debate and didn’t disappoint. Andrew Hallam, best-selling author and educator, is here to talk about his latest book, Balance, and investment techniques and ideologies that don’t necessarily match ours. If you’re interested in learning about index funds, passive asset management, and the true meaning of success in retirement (whether you’re retiring early or not), you won’t want to miss this episode.

    In this episode we’ll talk about:

    • The cost and opportunity cost associated with Ivy league education.
    • Recognizing a financial advisor that is great and one that just wants to sell you something
    • The role psychology plays in financial services
    • Debating controversial topics in personal finance: passive versus active portfolio management, index funds versus value index
    • The traditional definition of retirement, why it is unhealthy, and how to do it better
    • FIRE community and the FIRE movement, and the life satisfaction research that suggests it may not be the best goal
    • The four legs of the success table: money, relationships, health, and purpose

    https://andrewhallam.com/balance/

    Visit brotmanmedia.com/podcasts for a full transcript of this episode.

    About Andrew Hallam:

    Andrew Hallam is the international best-selling author of Balance: How to Invest and Spend for Happiness, Health and Wealth; Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School and Millionaire Expat: How To Build Wealth Living Overseas. Profiled on such media as CNBC, and The Wall Street Journal, he's also the first person to have a #1 selling finance book on Amazon USA, Amazon Canada and Amazon UAE. He has written columns for The Globe and Mail, Canadian Business, MoneySense, Swissquote and AssetBuilder. Since 2016 he has spoken at businesses and international schools in over 30 different countries.

    Links:

    https://andrewhallam.com/
    https://www.facebook.com/groups/445218675653782 https://www.facebook.com/millionaireteacher
    https://twitter.com/aphallam
    https://www.linkedin.com/in/andrew-hallam-44b81627/

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    Protecting Your Finances from Inflation Mar 17, 2022

    In today’s Office Hours, Eric answers George's question: I keep hearing about inflation. Is there anything I can be doing to protect my finances?

    We're seeing inflation in a way we haven't for generations, and there are things you can do to be better prepared.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Visit brotmanmedia.com for a full transcript of this episode.

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    Financial Feminism: Looking at the Big Picture of Gender Equality Mar 10, 2022

    Welcome back to Don’t Retire... Graduate! We have a very special episode in honor of International Women’s Week. Kara Perez, the founder of Bravely Go, joins us to talk about financial feminism and how we can start breaking down the gender roles and inequalities we see in our culture.

    In this episode we’ll talk about:

    • The meaning of financial feminism.
    • The difference in financial power between men and women/non-binary individuals.
    • How the wage gap can affect financial security in retirement.
    • The importance of having assets in your own name and checking your beneficiary designations.
    • The need for large-scale financial literacy education and where it can come from.
    • Gender roles in our culture and their effect on financial equity.
    • Paying down debt and saving money on a low salary.
    • How Kara founded Bravely Go, the feminist financial education company.
    • Looking at personal finance from a broader lens.

    Visit brotmanmedia.com/podcasts for a full transcript of this episode.

    About Kara Perez:

    Kara Perez is the founder of Bravely Go, a feminist financial education company. Bravely Go focuses on bringing actionable, intersectional and accessible financial education to people via pop up events and online community. Kara has been featured in the New York Times, Forbes, NPR, Glamour, ABC Nightline News, and US News and World Report as a financial expert. Additionally, Kara co hosts the award winning podcast The Fairer Cents, which has been named the top money podcast for women by Forbes and The Balance.

    Links:
    https://www.instagram.com/webravelygo/
    https://twitter.com/bravelygo
    https://www.facebook.com/webravelygo
    https://www.tiktok.com/@webravelygo?lang=en
    https://www.bravelygo.co/

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    The Pros and Cons of Using a Robo-Advisor for Investing Mar 03, 2022

    In today’s Office Hours, Eric answers Yazan's question: What are the pros and cons of using a robo-advisor for investing?

    A robo-advisor has its place, and Eric explores this question from two perspectives: simple investment management and comprehensive financial planning.

    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    Visit brotmanmedia.com/podcasts for a full transcript of this episode.

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    Passive Money, Honey: How Passive Income Streams Can Help You Retire Early with Rachel Richards Feb 24, 2022

    Welcome back to Don’t Retire... Graduate! Today’s guest has had an amazing journey that led to retiring at age 27. Rachel Richards is the best-selling author of Money Honey and Passive Income, Aggressive Retirement and is here to tell her story and share her tips on how you can create your own passive income streams.

    In this episode we’ll talk about:

    • How Rachel retired at 27 with $20,000 of monthly passive income
    • Self-publishing tips for personal finance writers
    • Why Money Honey was written to begin with
    • Seeing market dips as a sale on stocks and an opportunity for a good deal
    • The misconception of how you lose money in the stock market
    • The value of time in growing wealth
    • Strategies for creating passive income streams and retiring early
    • The steps you take to designing your dream life
    • Having a plan for what you want to do with your time in retirement, whether you’re retiring early or at a traditional age
    • The importance of writing down your goals
    • Recognizing if a financial advisor is a fiduciary or a scammer

    Free budgeting worksheet: www.moneyhoneyrachel.com/worksheets

    Visit brotmanmedia.com/podcasts for a full transcript of this episode.

    About Rachel Richards:

    At the age of 27, Rachel Richards quit her job and retired, living off $15,000 per month in passive income. Rachel is the bestselling author of “Money Honey” and “Passive Income, Aggressive Retirement.” She built a real estate portfolio of 38 rental units by the age of 26. She is a former financial advisor, and has been featured in CNN and Business Insider. By making the topic of money management fun, entertaining, and simple, Rachel has helped thousands of millennials work their way out of financial despair.

    Links:

    • www.moneyhoneyrachel.com
    • www.facebook.com/MoneyHoneyRachel
    • www.instagram.com/moneyhoneyrachel

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    Realistic Lifestyle Changes that Save Money Feb 17, 2022

    In today’s Office Hours, Eric answers Jonathan's question: What are some realistic lifestyle changes that save money?

    There are two ways to look at this question, and this episode covers both. How do you create the habit itself, and what are those changes?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

    For a full transcript of this episode, visit brotmanmedia.com/podcasts.

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    Stacked: Super Serious Stories About Careers, Crypto, and Getting Rich Quick with Joe Saul-Sehy Feb 10, 2022

    Welcome back to Don’t Retire... Graduate! Today’s guest is podcast royalty: the host of the Stacking Benjamins podcast Joe Saul-Sehy! Joe is here to talk about his latest book, Stacked, his take on the real estate and cryptocurrency crazes, and share his top tip for stacking your wealth.
    In this episode we’ll talk about:

    • Joe’s journey from financial advisor to teacher to writer to podcaster
    • Building financial careers without financial backgrounds
    • How, despite the massive amounts of financial resources available, people are still being left behind
    • How many people end up crying over money, even if they’re making six figures
    • The disconnect between our values and what we do with our money
    • Social media’s effect on the popularity of real estate investing, cryptocurrency
    • The idea of getting rich quick with cryptocurrency that can be dangerous for a lot of investors
    • The evolution of the Stacking Benjamins podcast
    • The important role that automation plays in growing wealth

    Visit brotmanmedia.com/podcasts for a full transcript of this episode.

    Link to the study: https://www.nonfiction.co/reports

    Link to Joe's book: https://www.stackingbenjamins.com/stacked/

    About Joe Saul-Sehy:

    Joe is the creator and co-host of the Stacking Benjamins podcast and co-author of STACKED: Your Super-Serious Guide To Modern Money. Current board member at large of The Plutus Foundation. Former board president and Board Member of Partnership For The Pathway.

    While Joe’s “money expert story” includes being a former financial advisor (16 years) and representing American Express and Ameriprise in the media. His real story is how he was a money disaster in his early life, pulled his financial house into order, and left his business at age 40 to pursue an entirely different path.

    Joe was the “Money Man” at Detroit television WXYZ-TV, appearing twice weekly. His advice has appeared in Bride, Best Life, and Child magazines, the Los Angeles Times, Chicago Sun-Times, Detroit News and Baltimore Sun newspapers. He’s also appeared online in more than 200 different places, including CNBC.com and WSJ.com.

    The Stacking Benjamins Show was called the “Best Personal Finance Podcast” by Kiplinger. Lifehacker listed the show as one of the top 10 of 2021. Joe and the SB team have won five Plutus Awards and the Academy of Podcasters “Best Business Podcast” award (beating well-known shows like The Tim Ferriss Show, How I Built This, and Gimlet’s StartUp).

    The Stacking Benjamins Show is created in Joe’s mom’s basement in Texarkana, Texas, where Joe lives with his spouse Cheryl and their cat Cooper.

    Links:

    • www.stackingbenjamins.com
    • www.joesaulsehy.com
    • Twitter: @SBenjaminsCast
    • Twitter: @AverageJoeMoney
    • Instagram: @stackingbenjaminspodcast
    • YouTube: StackingBenjamins
    • Facebook: IStackBenjamins

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    Paying Down Your Mortgage Early vs. Investing Extra Money? Feb 03, 2022

    In today’s Office Hours, Eric answers Sara's question: Should I be trying to pay off my mortgage early with extra payments or put that money to a different use?

    Of course, this is another case of "it depends." Listen to Eric explain when it may be a good idea to invest that extra money and when it's okay to make that mortgage number start falling.

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Good with Money: Talking About and Paying Attention to Money to Stop Being Bad with It (ft. Gaby Dunn) Jan 27, 2022

    Welcome back to Don’t Retire... Graduate! Today’s guest is a comedian, best-selling author, and activist who turned being told they are bad with money into a success career in finance media. Gaby Dunn hosts the Bad with Money podcast, which talks about money in a way that is raw and honest, and the author of Bad with Money: The Imperfect Art of Getting Your S*** Together. We are so excited to have them here to talk about the taboos and baggage around money and how humor may be able to change it.


    In this episode we’ll talk about:

    • How to get YouTube famous and be broke at the same time
    • Gaby’s journey as a content creator and how they got started in personal finance
    • The shame and embarrassment we feel about our net worth, whether its high or low
    • The relativity of wealth
    • Investing and finance apps gamifying investing and the danger it can impose on users
    • Getting addicted to stock trading and checking the markets
    • Student loans and the debt crisis
    • Student loans vs medical debt vs other types of debt
    • The difficulties that Millennials and Gen Z face that is different than any generation before them
    • How paying attention to your finances is the first step—and maybe the hardest—to being good with money

    Visit brotmanmedia.com/podcasts for a full transcript of this episode.

    About Gaby Dunn:

    Gaby Dunn (they/them) is a New York Times bestselling author, comedian and LGBTQ advocate living in Los Angeles. Gaby has served as a writer on BIG MOUTH (Netflix) and has developed original television pilots with MTV, 20th Century Fox, YouTube Originals, FX and Netflix. Gaby is the host and creator of the podcast, Bad With Money with Gaby Dunn, now in its eighth season, where they have interviewed guests like Suze Orman, Andrew Yang, and Elizabeth Warren. A non-fiction book based on the podcast was published by Simon & Schuster in 2019. Gaby co-wrote the novels I Hate Everyone But You, a New York Times bestseller in 2018, and the sequel Please Send Help… published in 2019. Gaby’s debut original graphic novel, Bury The Lede, in partnership with BOOM! Studios is currently being adapted as a television series and both of Gaby’s latest novels garnered a placement on The 20 Best LGBTQ Books of 2019 list by Harper’s Bazaar. Most recently, they created, and starred in the Audible Original series Apocalypse Untreated. They are also the co-host of the Just Between Us podcast on the Forever Dog network.

    Links:

    • www.gabydunn.com
    • Bad with Money podcast: https://podcasts.apple.com/us/podcast/bad-with-money-with-gaby-dunn/id1144712710
    • Instagram: @GabyRoad
    • Facebook: https://www.facebook.com/groups/398914378105641

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    How to Say No to Unsolicited Financial Advice Jan 20, 2022

    In today’s Office Hours, Eric answers Robert's question: If your close friend is a financial advisor and keeps telling you how to manage your money, how do you get them to stop?

    This can be an uncomfortable situation and sometimes you don't want to mix business and friendships. And it goes both ways. Are you an advisor constantly being pestered for free advice on your time off? Here's how to handle it.

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Debt Free or Die Trying: The Four-Step Process for Digging Yourself Out of Debt (ft. Marcus Garrett) Jan 13, 2022

    Welcome back to Don’t Retire... Graduate! This is our first full episode of 2022 and we’re kicking off the new year with an amazing guest. Marcus Garrett is the host of the Marcus Garrett Show and author of Debt Free or Die Trying. He dug himself out of $30,000 in debt and is here to share his experience and debt reduction process with you.

    In this episode we’ll talk about:

    • Being social media-rich but bank account poor – the financial danger of “keeping up with the Joneses”
    • The four-step process for digging yourself out of debt
    • Looking at spending as an addiction
    • Paying yourself first instead of saving whatever is left
    • Creating habits and good behaviors rather than a strict budget
    • The power of automation when paying down debt and building your savings
    • Understanding how debt can be used as leverage
    • Determining what’s important to you when deciding how aggressive to be in your debt payment strategy
    • The pros and cons of leaning on others for accountability

    For a full transcript of this episode, visit brotmanmedia.com/podcasts.

    Find Marcus's free download here: TheMarcusGarrett.com/salary

    Order Marcus's book here: https://amzn.to/3qeGeE9

    Order Eric's book here: amzn.to/3G2JDvq

    About Marcus Garrett:

    After surviving the mean streets of the inner suburbs in the Great State of Texas, Mr. Garrett obtained a Bachelor of Arts in Business Administration and work experience as a Certified Internal Auditor, Financial and Data Analyst. As a Senior Millennial, his inflated self-esteem was amplified with participation trophies given to him without merit during his most impressionable years. Somehow he overcame these personal roadblocks to become an award-winning freelance writer on topics ranging from love and relationships to debt and personal finances.

    https://www.themarcusgarrett.com/

    https://www.facebook.com/TheMarcusGarrett

    https://twitter.com/TheMarcusGarret

    https://www.instagram.com/themarcusgarrett/

    https://www.linkedin.com/company/themarcusgarrett

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    Common Expenses We Don't Budget For (But Should!) Jan 06, 2022

    In today’s Office Hours, Eric answers Ken's question: What are some common expenses we don't think to budget and save for?

    This is a great question and a perfect time to ask it. Spoiler alert: the holiday season is on the list!

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

    Find a full transcript of this episode on our website.

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    Finding Your Purpose: How to Unlock Your Inner Artist on Your Journey Towards Self-Love Dec 30, 2021

    Welcome back to Don’t Retire... Graduate! This is our final episode of 2021, and our guest is a mentor, coach, and accomplished artist. Peleg Top uses art and creativity to guide others in their journey towards finding their purpose, and his mantra around abundance, love, and gratitude is the perfect way to end the year.

    In this episode we’ll talk about:

    • How the stories we grow up with around money shape our attitude about it in adulthood
    • The journey of finding self-awareness and self-love
    • Tying your identity too closely to your career, and dealing with a feeling of loss at retirement
    • Scarcity and abundance mentalities and how you can change that mindset
    • The shame, guilt, and emotional baggage around money and how to overcome it through self-awareness
    • The power that art and creativity can have on your personal journey
    • How to use glad giving to help others and connect to the spirit of abundance
    • Turning off the news and taking a media break
    • Noticing the little things around you that connect you to the world
    • Keeping a gratitude journal

    About Peleg Top:

    Peleg Top is an accomplished artist, a creative business mentor and a trained spiritual coach. He mentors accomplished creatives who are at a crossroad and helps them connect to their creative free spirit so that they get clear on who they want to create next in their lives.

    A few fun facts about Peleg:

    • Born and raised in Israel. The oldest of 3 boys.
    • Immigrated to the US at 15 with his family
    • Became financially free at 43 (I’m excited to tell you more about my take on this)
    • Lives Santa Fe, New Mexico
    • At the age of 47 he sold everything he owned and traveled for two years to 14 countries while living as a minimalist out of a suitcase
    • Creator of the 100 Days of Creative High Growth coaching program

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    How to Balance Saving, Retirement, and Expenses in your Budget Dec 23, 2021

    In today’s Office Hours, Eric answers Matt's question: How do you effectively balance between savings, retirement, and expenses?

    Of course, this is different for everyone, but listen to Eric explain how to determine a balance that may work for you, and adds a fourth category into the conversation: debt.

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Defeating the Villains: How to Save Your Retirement and Financial Plan from Devastation Dec 16, 2021

    Welcome back to Don’t Retire... Graduate! Our guest on today’s episode has been teaching retirees and pre-retirees how to preserve their assets and increase their income for twenty years. Patrick Strubbe is the author of Save Your Retirement from Mass Destruction by the 7 Retirement Villains. He’s here to talk about those villains and how we can stop them from thwarting our retirement plans.

    In this episode we’ll talk about:

    • The seven villains that put your retirement at risk
    • Longevity and the fear of outliving your money
    • Inflation and how it can derail retirement for those on fixed income
    • The taxes we pay in retirement and the importance of planning for them
    • Understanding what health care costs will be paid out of pocket in retirement, what will be covered by Medicare, and what protections you can put in place to help cover costs
    • The importance of understanding the fees and costs associated with different savings and investment accounts
    • Dollar cost averaging and why accounts should be strategically set up so that you aren’t pulling from principle
    • Looking into alternative or nontraditional asset classes to diversify your portfolio away from only stocks and bonds

    About Patrick Strubbe:
    For over 20 years, Pat has taught retirees and pre-retirees how to preserve their assets and increase their income.

    Pat is a recurring guest on the WIS-TV (NBC) news. He has been featured in USA Today, Investor’s Business Daily and other national publications for his knowledge in the field of financial planning. Pat is a Chartered Financial Consultant (ChFC®), Chartered Life Underwriter (CLU®) and Registered Financial Consultant (RFC®).

    You can listen to Pat host the radio show “Save Your Retirement®” on WVOC-AM. He is also the author of the book “Save Your Retirement from Mass Destruction by the 7 Retirement Villains!” and “Retirement with Confidence.”

    Pat lives in Columbia, South Carolina, with his beautiful wife, Janelle. He is the proud father of four children: Carter, Ava, Gabriella and Isla. Pat enjoys watching NBA basketball games with his friends and family. He loves to see his favorite team, the L.A. Lakers, whenever he can. An active member of Hope Lutheran Church in Irmo, Pat has served as an elder of finances since 2003.
    Links:
    Patrick's books:

    • The Retirement Secret: A Simple Approach to Financial Peace-of-Mind
    • Save Your Retirement! 3rd Edition: Save Your Retirement From Mass Destruction by the 7 Retirement Villains!

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    Financial Advisor Red Flags Dec 09, 2021

    On today’s episode of Office Hours, Eric answers Nate's question: What would you consider a red flag when talking to a financial advisor? Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Finding Alternatives: Using Commercial Real Estate and Private Equity to Reach Your Financial Independence Goals Dec 02, 2021

    Welcome back to Don’t Retire... Graduate! Our guest on today’s episode is not a Grammy Award-winning singer songwriter, but he is a highly experienced investor who educates others on passive and alternative investing. Brian Adams is the president of Excelsior Capital and is joining us today to talk about how he’s using commercial real estate and private equity to reach his financial independence goals and how you can, too.
    In this episode we’ll talk about:

    • Getting asymmetrical returns by taking asymmetrical risks
    • What alternative investment classes are
    • Investing in things like art, NFTs, masterworks, and crypto to diversify your portfolio
    • How access to alternative investment options are growing
    • Private equity becoming the next frontier of investing
    • The J curve
    • Risk versus volatility
    • Why bonds and cash are not the answer
    • What it’s going to take to reach financial independence and retirement with inflation devaluing the dollar
    • How COVID will change commercial real estate when it comes to office space
    • How to start investing in alternative asset classes

    About Brian Adams:

    Brian C. Adams is the President and Founder of Excelsior Capital, where he spearheads the investor relations and capital markets arms of the firm. He has 10 years of experience in real estate private equity and has advanced knowledge in best practices for strategic real estate investing. Prior to forming Excelsior Capital, Brian co-founded Priam Properties (an institutional real estate private equity sponsor) in 2010 and provided leadership and direction for the firm in connection with capital markets, investment management and investor relations.

    He has served on the Board of Sirrom Partners, LP, a single-family office investing across private and public asset classes since May of 2008. Since May of 2017 he has served on the Investment Committee for Solidus LP, an early-stage venture capital firm focused on investment opportunities in Healthcare and Technology.

    From January of 2016 to January of 2018, Brian served as a member of the Board of Next Gen Advisory Faculty for the Institute of Private Investors / Campden, a program designed to support next generation family members in preparing the following generation for the responsibility of being a steward of family wealth. He has also served on the Advisory Committee for the Southeastern Family Office Forum since December of 2016. Brian is a former practicing attorney, earning his J.D. from Suffolk University and his B.A. from Wesleyan University with Honors.

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    Financial Advice I Wish I'd Never Been Given Nov 24, 2021

    On today’s episode of Office Hours, Eric answers Grace's question: What financial advice do you wish you'd never been given? Listen to the episode to hear three pieces of advice he was given or mistakes he has made along the way that haven't been talked about on this show before! Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Simple Wealth: How Your Mindset and Core Values Can Grow Your Wealth Nov 18, 2021

    Welcome back to Don’t Retire... Graduate! Our guest on today’s episode is a visionary and pioneer in the personal finance industry. Holly Morphew is the CEO of Financial Impact and her journey to financial independence was truly a wild ride, eliminating overwhelming debt, combatting chronic illness, and reaching financial freedom while she was only in her 30s. She joins us today to talk about how she did it and share her tips for recreating some of her success.


    In this episode we’ll talk about:

    • How growing up in a household that talks about money can inspire a life of entrepreneurship
    • The importance of mindset in wealth-building
    • The difference between people who call themselves coaches and those who are accredited financial coaches
    • Telling the difference between a fiduciary advisor/coach and one that’s out for their own benefit
    • Maslow’s Hierarchy of Needs and how it can be applied to your financial journey
    • Discovering your core values and using them to shape your life
    • Creating residual income
    • The differences between financial advisors, financial coaches, and financial therapists and the value they each bring

    Links mentioned:

    https://www.amazon.com/Simple-Wealth-Practical-Transform-Relationship/dp/0578840308/ref=sr_1_6?keywords=simple+wealth&qid=1637083798&sr=8-6



    About Holly Morphew:
    Holly Morphew is a visionary, financial coach, and multi-generational entrepreneur. She’s the founder + CEO of Financial Impact, which helps professionals and entrepreneurs create personal wealth and financial independence.
    A pioneer in the personal finance industry, Holly’s work has been featured in Forbes, Business Insider, Yahoo Finance, FemFounder, and more. Her own journey to eliminating $67k in debt in her twenties, reaching financial independence in her thirties, and overcoming chronic illness are what inspire her to help others realize their dreams too.
    Holly’s professional background in finance, real estate investing, and entrepreneurship are the foundation of her transformational programs, which also include well-being and mindfulness practices to align behavior and mindset.
    In 2008 Holly received the prestigious “Rotarian of the Year” award for her work in financial literacy, and in 2017 she was recognized by the Association for Financial Planning and Counseling Education ® with the "Bridging the Gap" award for outstanding work as an Accredited Financial Counselor® in private practice.
    Her book Simple Wealth is a #1 best seller in nine out of ten categories including money management, women & business, personal finance, real estate, retirement, budgeting, personal transformation, credit repair, and wealth management.
    Holly has a B.A. from the University of Colorado in International Affairs and Japanese with a Minor in Business. Today, Holly speaks, coaches, and writes about money, personal transformation, and creating a life of design.
    She now resides in Boulder, CO. Her favorite things to do are travel, hike fourteeners, and watch the sun rise. 
    Connect with Holly:

    • https://www.financialimpact.com/
    • https://www.facebook.com/HollyMorph
    • https://www.linkedin.com/in/hollymorph/
    • https://twitter.com/HollyMorph

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    What Would You Do If I Gave You a Million Dollars? Nov 11, 2021

    On today’s episode of Office Hours, Eric answers George's question: What would you do if I gave you a million dollars? There are two ways to look at this question. 1. If you were to give the money to invest on your behalf or 2. if you were gifting the million dollars. Either way, you'll find your answer in this episode! Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    The Joy of Saving: Strategies to Get You Excited About Saving Money Nov 04, 2021

    Welcome back to Don’t Retire... Graduate! Our guest on today’s episode is a true celebrity and has made a career out of helping consumers save money. Jeanette Pavini is an Emmy-award winning reporter and author who talks about the money mindset she learned from her Italian American father and how she has used her platform as a reporter to share simple money-saving strategies with viewers for more than 20 years.

    In this episode we’ll talk about:

    • The importance of mindset in saving money
    • How a single mother living paycheck to paycheck built a career out of her own need to save money
    • The differences in mindsets between different generations
    • The danger of student loans and how to save money on your education
    • Finding a balance between saving money and living and having fun today
    • Taking the time to find deals and discounts instead of shopping on impulse
    • Separating your expenses into those that can’t change and those that can to find places you can save
    • The key to wealth is not the right investments, luck, or salary. It’s time and behavior
    • How a cashless society means not having a relationship with our money
    • Apps are gamifying finances in a way that is dangerous to your financial future

    About Jeanette Pavini:

    Jeanette Pavini is an Emmy Award winning consumer and investigative reporter completely over 10,000 money-saving segments for CBS News, Hallmark’s Home & Family and MarketWatch among others. Her book: The Joy of Saving: Money Lessons I Learned From My Italian American Father & 20 Years As a Consumer Reporter, offers people unique money-saving strategies. Jeanette has been a guest contributor on The Today Show, and her advice has been featured with hundreds of media outlets including Good Morning America and Oprah.com.

    Links:

    www.JeanettePavini.com
    Twitter: @jeanettepavini
    Instagram: jeanette.pavini
    Book: https://www.amazon.com/Joy-Saving-Italian-American-Consumer-Reporter/dp/1098341775

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    Do Free Financial Resources Actually Have Value? Oct 28, 2021

    On today’s episode of Office Hours, Eric answers Rachel's question: Do free financial resources actually have value? How can you tell the difference between a quality piece of information and an infomercial? Find out in this Q&A session with your host, Eric Brotman! Find our resources at bfguniversity.com and brotmanmedia.com. Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    It’s Time to Stop Complaining: Surviving and Thriving in a State of Collective Trauma Oct 21, 2021

    Welcome back to Don’t Retire... Graduate! Our guest on today’s episode is a behavioral strategist, business coach, author, and host of the Other Side of Potential podcast. Sharon Spano has a Ph.D. in human and organizational systems and is here to talk about the state of collective trauma we’ve been living in throughout the pandemic and why changing the world starts with turning off the news.

    In this episode we’ll talk about:

    • The various ways business owners pivoted (or didn’t) throughout the pandemic
    • Scarcity and abundance mentalities in business and in life
    • Looking for meaningful ways to apply your talents and passions during retirement
    • The concept of collective trauma and how we can protect our minds from the negativity
    • Why you should stop watching the news
    • The lack of leadership in the country, whether in politics or in business
    • Contributing to the world no matter what season of your life you’re in
    • Entrepreneurs changing the landscape through collective learning and masterminds
    • Turning off the news to protect yourself from negativity

    Sharon Spano

    As a Family Business Consultant, Sharon Spano helps thriving family business leaders develop family alignment so they can deepen their relationships, achieve sustainable business growth, maximize their impact, and secure a multi-generational legacy.

    Dr. Spano’s expertise in human and organizational systems and her research-based methodologies are designed to help these business leaders generate collaborative strategies for success and sustainability in our ever-changing landscape.

    “While there are many ways that we go about the process of transition and change, the ultimate goal is to empower my clients to view their life and business through a systemic lens. Once they learn to embody this level of knowledge, I find that everything else accelerates, and it does so in a way that allows for greater integration of the family-business many complex systems. The result is a unified family that is now fully positioned to contribute to one another and the world in more meaningful ways.

    Sharon is the author of The Pursuit of Time and Money: Step into Radical Abundance and Discover the Secret to a Meaningful and Prosperous Life (2017) and the host of the weekly podcast, The Other Side of Potential, which focuses on how family business leaders integrate their unique family dynamics with the complexity of running a successful business.

    Links:

    Sharon's book: https://amzn.to/3vpARmO

    Sharon's podcast: https://www.sharonspano.com/podcast/

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    Should I Pay Off My Girlfriend's Debt? Oct 14, 2021

    On today's episode of Office Hours, Eric answers Efrayim's question: Should I pay off my girlfriend's debt? Does your significant other have significant debt? There's no one asnwser on whether or not to pay it off, but there are some factors to consider. Find out in this Q&A session with your host, Eric Brotman! Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Baring it All: Embracing the Intersection of Your Mental Health and Money Journeys Oct 07, 2021

    Welcome back to Don’t Retire... Graduate! Our guest on today’s episode is a money coach and mental health blogger who is joining us for a very special episode in honor of World Mental Health Day. Chloe Daniels of Clo Bare Money Coach goes deep into her own struggles with mental health and how it has helped her find her voice and grow her platform at the intersection of money and mental health.

    In this episode we’ll talk about:
    • How Chloe’s transparency with her mental health struggles grew into a virtual community
    • How therapy and writing helped her overcome her battles with eating disorders and PTSD
    • Why people don’t talk about their struggles with money and want to seem like they’re the Joneses you should be keeping up with
    • How Chloe paid off $70,000 in debt and amassed $200,000 in savings in a short period of time
    • How to set a budget that aligns with your values
    • Failing at a budget and continuing to work at it instead of quitting
    • Figuring out why you’re spending money where you’re spending it so you can connect with your spending
    • Finding the right method to keep yourself accountable and connected to your budget
    • Stepping away from the “shoulds” and focusing on the “why”
    • Looking at the anxieties and fears around money and getting to the root of it
    • The difference between good and bad financial advisors, and why you should always ask potential advisors if they’re fiduciaries
    • How a financial coach and a financial advisor can help you simultaneously

    Chloe, aka Clo Bare Money Coach, saved more than $200k for retirement in a little over 2 years, and now she’s teaching others how to do the same. In the last year, she’s coached over 300 people on how to money. She started as a mental health blogger in 2017, and brings her mental health expertise into her financial coaching, focusing on providing people with a human-centric approach to managing their money.

    Links:

    https://brotmanmedia.com/season-4-episode-3-happiness-abundance-and-freedom-changing-your-mindset-to-improve-your-life/

    www.clobare.com

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    Investment Strategies that Wealthy People Don't Tell You Sep 30, 2021

    On today's episode of Office Hours, Eric answers Lou's question: what are the investment strategies that wealthy people keep to themselves? Are wealthy investors keeping their strategies a secret? Or do others simply not have the knowledge or the access to use them? Find out in this Q&A session with your host, Eric Brotman! Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Happiness, Abundance, and Freedom: Changing Your Mindset to Improve Your Life Sep 23, 2021

    Welcome back to Don’t Retire... Graduate! Our guest on today’s episode is a podcast host, a health, money mindset, and business coach, and simply a fantastic person. Lisa Holtan works with entrepreneurs, individuals, and couples to create levels of divine abundance. Her money mindset equates your financial health to your physical health to help you set and reach your goals.

    In this episode we’ll talk about:

    • How our mindset can derail our goals, financially and physically
    • Taking an inventory so you know where you are, what you have, and how to get where you want to go
    • Understanding your priorities and how the thoughts you say to yourself shape them
    • Discovering your priorities and having open discussions about them with your partner
    • How to facilitate a conversation about your priorities with your spouse
    • Looking deeper into why you want the things you want
    • The baggage around finances that adults bring into their marriage
    • Why talking about money is taboo
    • Our tendency to tie our self-worth to our income and why it’s a negative mindset
    • Unlinking income from wealth and the behaviors surrounding money
    • The truth behind money buying happiness
    • Answering the question of am I going to be okay

    Episode discussed: https://podcasts.apple.com/us/podcast/high-vibe-money-tribe/id1486223029?i=1000532222856

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    How Did You Spend The Summer? Sep 16, 2021

    In the season 4 Office Hours premiere, Eric asks you a question: How did you spend your summer?

    If you haven't already, enroll in the Don't Retire... Graduate!: Freshman Year online course, or our free financial literacy course, at bfguniversity.com. Plus, write reviews and share our show with your friends to help spread a legacy of financial literacy.

    Find the online courses at www.bfguniversity.com.

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    Starting Early: How to Start Investing in Your Children’s Future Sep 09, 2021

    Welcome back to Don’t Retire.. Graduate! We are now in our fourth season of the podcast and could not be more excited for the guests that will be joining us this school year.

    Our first guest is no exception. Ksenia Yudina is joining us today. She is a prolific entrepreneur, an MBA, a CFA, and a remarkable human who took on the world of venture capital as a woman and developed an investing platform like nothing we’ve ever seen before.

    In this episode we’ll talk about:

    • How UNest and BFG Financial Advisors are both working to make financial planning accessible to families across the country--not only the rich
    • Ksenia’s story of immigrating from Russia at 18 and taking on $180,000 in student debt while pursuing multiple degrees at UCLA Anderson
    • How 12 years in the venture capital space inspired her to develop her own platform to help parents invest for their children’s future
    • How UNest works and how it is different from other options, including 529 College Savings Plans
    • The dangers of taking on massive student debt and how inflation and tuition increases make it almost impossible to avoid and difficult to pay off
    • Why surrounding yourself with mentors and advisors can be beneficial, both in your career and personal life
    • Why it is important to start planning for your future--or your kids’ futures--early

    Meet Ksenia Yudina

    Ksenia Yudina is a Founder and CEO of UNest, the first mobile app that makes it easier than ever before to create a manage tax-free college savings accounts. Ksenia is an entrepreneur and financial expert with over ten years of experience in the financial industry. As Founder and CEO of UNest she has spearheaded the development of the breakthrough fintech solution and raised funding from leading venture capital funds including Northwestern Mutual, Anthos Capital, The Artemis Fund, Group 11, Draper Dragon, Unlock Ventures, and Vested Ventures. Ksenia was a 2019 Finalist in Quesnays Female Founders in Fintech competition. She has also been featured in The Wall Street Journal, TechCrunch, New York Times, Forbes, Business Insider, American Banker, Inc. Magazine, USA Today, and US News & World Report. Ksenia was recognized as 40 Under 40 by Investment News and received a Rising Star Award from the Los Angeles Business Journal.

    www.unest.co
    https://www.facebook.com/unest/
    https://twitter.com/UNest
    https://www.linkedin.com/company/u-nest/
    https://www.instagram.com/unest/

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    Setting Yourself Up for Financial Success this Summer Jun 17, 2021

    In this season's final episode of Office Hours, Eric gives you your last extra credit assignment of the school year: what to do during the summer to set yourself up for financial success.

    Find the online courses at www.bfguniversity.com.

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    Being a Money Talker: Talking to Your Kids about Money and Inspiring Entrepreneurship Jun 10, 2021

    Eric is joined by Cody Loughlin, host of the Money Talkers podcast, to discuss the importance of talking about money with kids and the ups and downs that come with entrepreneurship.

    What is covered during the episode:

    • Going from a millionaire to bankrupt overnight and fighting your way back.
    • The value of time and setting goals in building wealth.
    • Talking to your kids about money and teaching them lessons early.
    • The wins and losses experienced as an entrepreneur.
    • Telling your money where to go instead of wondering where it went.

    Cody’s Podcast: https://themoneytalkers.com/optin33124205
    Eric's book: https://amzn.to/2O4uNPe

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    Justifying the Cost of Financial Advice Jun 03, 2021

    In today’s Office Hours, Eric answers Alexis's question: I want a financial advisor, but it's expensive. How do I justify the cost? Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    The Courage of Confidence: Making Gutsy Decisions to Reach your Goals May 27, 2021

    Eric is joined by sociologist and money coach Dr. Brenda Uekert to discuss methods to achieve financial freedom that builds the confidence to live a happier life.

    Bullet points of what is covered during the episode
    • Discovering the FI/RE movement at any age
    • Having a Dream Fund, saving until it hurts, and using budgets as savings tools, not spending tools
    • How online courses, like Dream Big Money Academy and BFG University, can encourage financial literacy education
    • Why women are discouraged from seeking financial advice or financial careers
    • Getting out of your comfort zone, increasing your confidence, and growing your courage.

    LINKS:
    Dream Big Money Academy https://dreambigmoneyacademy.com/
    BFG University: https://www.bfguniversity.com/
    Gutsy Women Club: https://www.gutsywomen.club/

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    What You Probably Don't Understand About Financial Planning May 20, 2021

    In today’s Office Hours, Eric answers Justin's question: What are the biggest misconceptions around financial planning? For more, visit www.financialplanningforall.com. Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Broadening Your Horizons: Moving Abroad For an Affordable Lifestyle May 13, 2021

    Eric is joined by author Tim Leffel to discuss his journey of moving abroad and how he helps others do the same.

    What is covered during the episode:

    • Figuring out if the ex-pat life is right for you.
    • How to live abroad with young children.
    • Navigating real estate and finance in different countries.
    • Trying out locations and where you can live on tourist visas.

    Tim’s Book: https://www.cheaplivingabroad.com/
    Tim’s Blog: https://www.cheapestdestinationsblog.com/

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    Breaking Up With Your Advisor May 06, 2021

    In today’s Office Hours, Eric answers Carl's question: How do I know if and when it's time to break up with my financial advisor? Get the interview questions in Eric's book: https://amzn.to/2O4uNPe Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Winning the Day: Regaining Control of Your Time and Your Life Apr 29, 2021

    Eric is joined by Kris Ward to discuss how you can win the day by rethinking how you spend your time—both in business and life.

    What is covered during the episode:

    • The W.I.N. Method.
    • Why your business should support your life, not consume it.
    • Limiting the time you spend working while increasing your productivity.
    • The 3 Ds of running a business.

    www.winthehourwintheday.com

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    Teaching Your Kids About Personal Finance Apr 22, 2021

    In today’s Office Hours, Eric answers Steffany's question: How do I teach my kids about personal finance? Find the Introduction to Personal Finance online course at www.bfguniversity.com. Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Shock Your Potential: Unlocking Your Capabilities in Life and Business Apr 15, 2021

    Eric is joined by Michael Sherlock to discuss the methods behind a growing business and how to manifest an audience to compliment your ideal business growth.

    What is covered during the episode:

    • How the S.H.O.C.K. method can help you reach the next level in your life, career, and retirement.
    • Imposter syndrome: getting past the feeling of self-doubt and accepting your worth.
    • Accountability partners and how to talk about your successes and mistakes.

    https://shockyourpotential.com/

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    The Retirement Readiness Checklist Apr 08, 2021

    In today’s Office Hours, Eric answers Jeff's question: What are the things we need to do when we're contemplating retirement that may be time-sensitive or urgent? Is there a checklist? Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Marrying Your Finances: What to do Before You Walk Down the Aisle Apr 01, 2021

    Eric is joined by his business partner, Lena Nebel, for a deep dive into the financial aspects of a marriage—from engagement rings to sharing finances and joint accounts.

    Bullet points of what is covered during the episode

    • Talking about finances with your partner
    • Best practices for purchasing an engagement ring
    • Prenuptial/Postnuptial agreements
    • Financial roles in a marriage

    Link to the webinar mentioned in the episode:

    https://brotmanmedia.com/then-comes-marriage-how-to-merge-your-financial-lives/

    Link to Eric Brotman's latest book:

    https://amzn.to/2O4uNPe

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    Electing Social Security Benefits Strategically Mar 25, 2021

    In today’s Office Hours, Eric answers Anne Marie's question: How do I know when my husband and I should elect to start our social security benefits? Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Breaking Down Barriers: Understanding and Battling Diversity Issues in Finance Mar 18, 2021

    Eric is joined by William Hutson and Ekenna Anya-Gafu to discuss the issues around diversity in the financial services industry, financial literacy among minorities and children, and how these issues can be tackled.

    Bullet points of what is covered during the episode:

    • Resiliency and grit for success in the business
    • Diversity within the financial industry
    • Finding passion in financial literacy
    • Discussing finance at an impressionable age

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    TurboTax or a CPA: Which is Better for Me? Mar 11, 2021

    In today’s Office Hours, Eric answers Harvey's question: Who needs a CPA vs. just using TurboTax for filing your taxes?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    What Comes Next: Understanding the Legal Process After a Loved One Dies Mar 04, 2021

    Eric is joined by Tara Faquir and Leah Del Percio to talk about the legal and administrative processes that people go through after a loved one dies, and the ways they can save money during these processes.

    Bullet points of what is covered during the episode:

    • The stresses of estate administration while grieving a loss, and the ways you can ease the burden
    • Necessity of human factor throughout the estate process
    • The importance of having someone specialized in estate planning rather than a regular lawyer

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    Transitioning into a Post-Career Lifestyle Feb 25, 2021

    In today’s Office Hours, Eric is joined by Susan Latremoille to answer Steve's question: When I'm transitioning from my career and trying to figure out what's next, how do I determine what a post-career lifestyle should be and how do I make that happen?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Just Say Yes: Getting Out of a Routine and Embracing New Experiences Feb 18, 2021

    Eric is joined by Heidi Herman to talk about how removing the pressure of work and routine can help you spread more living onto your everyday life.

    Bullet points of what is covered during the episode

    • A 94-year-old woman's journey through a life of adventures.
    • Just say yes: getting out of the rut of your own routine in order to have new experiences.
    • The power of spontaneity.

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    Opening Roth IRAs for Minors Feb 11, 2021

    In today’s Office Hours, Eric answers David's question: Can you open Roth IRAs for minors?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Budgets Made Easy: Setting Smart Goals and Getting Yourself Out of Debt Feb 04, 2021

    Eric is joined by Ashley Patrick to talk about the coaching elements of finance and managing your debt.

    What is covered during the episode:

    • The student loan crisis, alternative opportunities, and the future of virtual education
    • Behavioral modifications you can make to help manage your money
    • Reducing debt by establishing financial goals and building a course of action
    • Setting specific goals with deadlines in order to reach them

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    Risk Tolerance When Approaching Retirement Jan 28, 2021

    In today’s Office Hours, Eric answers Chris's question: If one intends to retire at age 65 and they're currently 52, should they leave their 401(k) in high risk?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Budgeting Debunked: No-Stress Budgeting for Young Adults Jan 21, 2021

    Eric is joined by Jim Miller to discuss the importance of financial education and non-restrictive methods of saving money so that budgeting doesn’t have to suck.

    What is covered during the episode:

    • Budgeting in a non-restrictive way.
    • Paying yourself first: Save, Invest, Spend
    • Useful software for tracking your spending
    • Using credit cards as a tool
    • Merging finances and having open conversations in relationships
    • www.iamjimmiller.com

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    Finding a Financial Advisor in Your 20s Jan 14, 2021

    In today’s Office Hours, Eric answers Usman's question: How do I find a financial advisor for advice in my 20s?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Financial Planning for All: Financial Tools and Resources You Don’t Need to Be Rich to Use Jan 07, 2021

    Eric is joined by his partner and Director of Financial Planning at BFG, Yanni Niebuhr, to discuss Financial Planning For All, BFG’s new program offering free to low-cost resources and affordable financial planning designed for all ages and life stages.

    What is covered during the episode:

    • Financial planning is not just for the rich and is not taught in school.
    • New programs about to launch for high school kids, millennials, and all generations.
    • Tools you can use to achieve financial stability.

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    Home Equity Loans for College Tuition Dec 30, 2020

    In today’s Office Hours, Eric answers Keegan's question: Is it a good idea to borrow against the equity in my house to finance college for my kids?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Retire Before Mom and Dad: Making Smart Decisions Early to Reach Financial Freedom Dec 23, 2020

    Eric is joined by Rob Berger, host of the Financial Freedom Show, to discuss how young adults can start making decisions early to reach financial freedom, and the struggles many people face when transitioning into financial independence.

    What is covered during the episode:

    • The power of compounding and how it can help you reach financial freedom
    • The psychology of transitioning from living off your income to living off your portfolio
    • How we segregate our assets in retirement so we don’t outlive our money

    For show notes & more: https://brotmanmedia.com/podcasts/

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    Investment Strategies for Roth vs. Traditional IRAs Dec 17, 2020

    In today’s Office Hours, Eric answers Jay’s question: Should there be any difference in strategy for investing in a Roth IRA versus a pre-tax IRA?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Your Travel Bucket List: Planning Ahead for a Lifetime of Travel Dec 10, 2020

    Eric is joined by travel advisor Estee Gubbay to talk about building a bucket list that not only satisfies your wanderlust but creates the memories and experiences that mean the most to you.

    What is covered during the episode:

    • Building your travel bucket list—using your passions and goals to map out your life of travel
    • Balancing fulfilling your travel goals and fulfilling your financial goals
    • How a travel portfolio can turn your dreams into plans
    • Planning for multigenerational celebration travel

    For show notes & more: https://brotmanmedia.com/podcasts/

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    Saving Too Much for Retirement Dec 03, 2020

    In today’s Office Hours, Eric answers Jason's question: If a person has a retirement account with seven figures in it, could they be saving too much for retirement?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Changing Your Story: Separating Your Identity from Your Job in Order to Be More You Nov 26, 2020

    Eric is joined by Doc Green, a prior internal medicine physician, to discuss how he broke the chain that held him to his job in order to pursue a new identity, passion, and life.

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    What is Single-Premium Life Insurance? Nov 19, 2020

    In today’s Office Hours, Eric answers Amy's question: What is the best way to figure out if a single-premium life insurance policy is a good idea?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Becoming You: How to Stop Existing and Start Living Nov 12, 2020

    Eric is joined by Mesha Mebane, founder of Infrared Vision, to discuss resiliency, faith, tragedy, and digging yourself out of debt to stop simply existing and start living.

    What is covered during the episode:

    • Evaluating yourself personally and professionally—defining your identity outside of your job.
    • Turning a vision into a redefinition of your life.
    • Navigating life and change after devastating loss.
    • Reorganizing your life through debt and unemployment.
    • How Infrared Vision addresses the needs of the aging community.

    For show notes & more: https://brotmanmedia.com/podcasts/

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    How to Build Your Wealth Nov 05, 2020

    In today’s Office Hours, Eric answers Steven's question: What are the steps to wealth-building and how do I get started and determine what's best for me?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Combating Dementia: The Financial and Emotional Effects of Alzheimer’s Oct 29, 2020

    Eric is joined by Ellen Torres of the Alzheimer’s Association to talk about the emotional and financial toll diseases like Alzheimer’s take on families and the resources available to support them.

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    Understanding Your Employee Benefits Oct 22, 2020

    In today’s Office Hours, Eric answers Susan's question: My daughter is starting her first job in a few weeks. Where can she get help with her benefit decisions?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Making Money Mainstream: How Financial Therapy Can Take the Taboo Out of Finance Oct 15, 2020

    Stress and money go hand in hand, so the development of financial therapy is a welcome addition to the financial playing field. Eric is joined by Derek Hagen to discuss what financial therapy is and how we can make talking about money less taboo.

    • What is financial therapy?
    • How money scripts and financial flashpoints shape our behavior
    • How to make talking about money less taboo
    • Opening lines of communication within a family
    • Moneyhealthsolutions.com/graduate

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    How You Can Use a Reverse Mortgage Oct 08, 2020

    In today’s Office Hours, Eric answers Amy's question: Can you use the proceeds from a reverse mortgage for anything you want or need?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Health is Wealth: The Importance of Financial Fitness When Building a Business Oct 01, 2020

    Eric is joined by Tracey Bissett, host of the Young Money podcast, to talk about financial fitness and the mistakes that entrepreneurs should avoid when starting their business.

    What is covered during the episode:

    • Financial fitness vs. financial literacy
    • The importance of a business plan
    • Pivoting business plans during a pandemic
    • Understanding the value of your time
    • The Money Meeting Agenda available at cashcoach.biz

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    Dave Ramsey's Debt-Reduction Strategy Sep 24, 2020

    In today’s Office Hours, Eric answers Carl's question: Why does Dave Ramsey suggest paying off a low-interest mortgage instead of investing more than his 15% rule?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Resiliency in the Wake of COVID-19: How HSAs and Automated Savings Can Keep Your Retirement on Track Sep 17, 2020

    Eric is joined by Jean Chatzky of NBC’s TODAY show to discuss their predictions for what the financial recovery post-COVID-19 will look like, plus everything you need to know about the upcoming HSA Day.

    Covered during the episode: COVID-19 financial “K” shaped recovery, Automatic contributions to retirement, Why HSAs are one of the most valuable retirement vehicles and COVID-19 financial impact to women vs men.

    For show notes and more: https://brotmanmedia.com/podcasts/

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    The Financial Planning Process Sep 10, 2020

    In today’s Office Hours, Eric answers Malia's question: How many steps are there in the financial planning process?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    What Do You Want to Do Next?: Continuing Your Career Past Retirement Age Sep 03, 2020

    Eric is joined by Jeff Tidwell and Carole McManus, co-authors of the book “Next for Me” to discuss—and abolish—the stigma that follows older individuals as they look for work. The lesson: you don’t have to grow up just because you get older.

    Bullet points of what is covered during the episode

    • Continuing to work past the traditional retirement age
    • Age discrimination and the difficulties older people face when looking for work
    • Careers are constantly evolving and don’t necessarily need to end
    • Conquering the fear of making the next step in your career
    • How to have an Act 2

    Show notes & more: https://brotmanmedia.com/2-17/

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    Moving to Avoid State Taxes Aug 27, 2020

    In today’s Office Hours, Eric answers Kristina’s question: Should I consider changing my state of personal residence for tax purposes?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Your Happiness Portfolio: Finding Balance in Your Retirement Aug 20, 2020

    Eric is joined by retirement and relationship expert Marianne Oehser to explore an aspect of retirement planning that’s non-financial: planning for happiness.

    Bullet points of what is covered during the episode

    • How retirement can adversely affect a marriage
    • The importance of communication
    • What the happiest retirees have in common
    • Finding happiness in retirement

    https://brotmanmedia.com/

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    Finding Financial Resources Online Aug 13, 2020

    In today’s Office Hours, Eric answers Mark’s question: Where would you go online for good financial advice?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    We Could Be Doing This Instead: Living a Life That Ignites You Aug 06, 2020

    Eric is joined by the inspirational Jill-of-all-Trades Katie Marks to talk about what we could be doing instead—letting go of the negativity, building a career of side hustles, and figuring out exactly who we want to be when we grow up.

    Highlights:

    • The power of networking in building a portfolio of opportunities
    • Knowing not only what you want to be when you grow up, but who you want to be
    • Using side hustles to create multiple streams of income, give you the power to negotiate, and keep you in the game
    • What we could be doing instead
    • The importance of financial literacy

    https://brotmanmedia.com/podcasts/

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    Responsible Financial Decisions for Seniors in Retirement Jul 30, 2020

    In today’s Office Hours, Eric answers Richard’s question: What is the responsible financial approach for a senior to live? How do you balance your own bucket list and protecting the financial futures of your kids and grandkids?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Military Money: How Military Families Can Become Financially Savvy Jul 23, 2020

    Eric is joined by retired Navy veteran Doug Nordman to discuss how military families can take advantage of the financial resources provided for them and how you can raise a money-savvy family.

    Show notes & more: https://brotmanmedia.com/season-2-episode-14-military-money-how-military-families-can-become-financially-savvy

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    Talking to Your Parents About Money Jul 16, 2020

    In today’s Office Hours, Eric answers Richard's question: How do you engage your parents in a conversation about their financial future?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Rocking Your Retirement: Creating a Retirement That Isn’t All About Money Jul 09, 2020

    Eric is joined by soon-to-be-retired financial advisor Kathe Kline to discuss rocking your retirement by focusing not only on the financial aspect of retirement, but the social, family, entertainment, and spiritual aspects, among others.

    Show notes & more: https://brotmanmedia.com/season-2-episode…-your-retirement/

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    Future Changes to Real Estate Investing Jul 02, 2020

    In today’s Office Hours, Eric answers Steven's question: In the wake of COVID-19, how do you anticipate lending to change for real estate investors?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Females and Finance: Being an Ally for Women in a Male-Dominated Field Jun 25, 2020

    Eric is joined by Sheryl Brown, an international speaker on social and digital marketing strategies for financial services, to discuss females working in a male-dominated field and the importance of diversity.

    For show notes and more: https://brotmanmedia.com/season-2-episode-12/

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    The Psychology of Finance Jun 11, 2020

    Eric is joined by two fellow BFG financial advisors, Lena Nebel and Zack Scott, to discuss a major trend they’ve seen throughout their careers: people tend to do exactly the wrong thing at exactly the wrong time.

    Bullet points of what is covered during the episode

    • How fear and greed affect investors’ decision making
    • Why people make the worst decisions at the worst time
    • How biases like loss aversion and anchoring can control our decisions

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    The Future of Higher Education in the Wake of COVID-19 Jun 04, 2020

    In today’s Office Hours, Eric answers Jill's question: In the wake of COVID-19, what is the future of higher education and how will that affect families' retirement plans?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Making it Work: Discovering New Opportunities to Build a Business at Any Age May 28, 2020

    In this episode, Eric is joined by Caitlin Pyle, founder of Work-At-Home School and Proofread Anywhere, to discuss how you can start your own business right from home, regardless of age.

    What is covered during the episode:

    • The steps to starting a freelance business.
    • How fixed incomes can be unfixed.
    • Affiliate marketing and how it can make you money.

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    The Danger of Panic-Selling Investments May 21, 2020

    In today’s Office Hours, Eric answers Sara's question: What does panic-selling really do to your long-term savings and ability to retire?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Tax Engineering: Finding Ways to Defer Capital Gains Tax to Save Money May 14, 2020

    In this episode, Eric is joined by Brett Swarts, founder of Capital Gains Tax Solutions, to discuss strategies for deferring capital gains taxes when passing assets between generations.

    What is covered during the episode

    • How debt is worsening during the coronavirus outbreak.
    • Getting out of debt and staying tax deferred.
    • How coronavirus will change the landscape of corporate real estate.
    • How deferred sales trusts help high net worth individuals create and preserve more wealth.

    Guest Bio

    Brett Swarts is an entrepreneur, cre investor, podcaster, deferred sales trust expert, and Nor. CA multifamily broker. His leadership roles include serving as the Founder of Capital Gains Tax Solutions podcast, Founder of Capital Gains Tax Solutions, and Founder of Commercial Realty Apartment Advisors.

    brotmanmedia.com

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    The Financial Pros and Cons of Returning to Work May 06, 2020

    In today’s Office Hours, Eric answers Madelyn's question: I'm thinking of returning to work, but I'm worried my husband and I will jump into the next tax bracket. What does this mean for us?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Retirement in the Wake of COVID-19: Finding Opportunities in the Changing Global Landscape Apr 30, 2020

    In this episode, Eric is joined by fellow BFG advisor and registered millennial Zack Scott to discuss the changes we’re seeing now and what others we should expect in the wake of the coronavirus.

    Bullet points of what is covered during the episode

    • Financial opportunities for millennials while stock values are low and retirement is decades away.
    • Avenues for tax-free wealth growth.
    • The psychology of long-term investing.
    • The shift to teleworking and remote employment.

    Show Notes

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    So What's the Good News? Apr 23, 2020

    In today’s Office Hours, Eric answers the question that everyone has been thinking: So what's the good news?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Building Your Bridge to Retirement: Figuring Out Where You Want to Go and How to Get There Apr 16, 2020

    In this episode, Eric talks to Dana Hagstrom about how she and her husband help their students build their bridge to retirement—from figuring out what they want to do when they grow up to making a plan to do it.

    What is covered during the episode:

    • Determining your retirement goals and setting the path to reach them.
    • Monetizing what you’re good at in retirement.
    • Asking yourself what you want to be when you grow up.
    • You know what you’re retiring from, but you need to figure out what you’re retiring to.

    Guest Bio

    David and Dana Hagstrom retired from their respective positions as a pastor and paralegal. They moved abroad in 2016 and are now servants of a different kind. As online business strategy coaches, David and Dana work with others in the industry providing effective breakthrough strategies to boost their home business success. Their clients soon uncover their own goldmine of passions and experience and how best to monetize and market. They are also helping folks imagine the future they want to retire to someday. In this process, they challenge you to start thinking about how soon your “someday” might be. You can find them inside their online coaching community offering a clarity building retirement program, “Your Bridge to Retirement,” a premium 12-week strategy coaching experience, “Your Pathway to Profit.”

    Show Notes

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    Unemployment Due to COVID-19 Apr 09, 2020

    In today’s Office Hours, Eric answers Jennifer's question: I was laid off. Will I still be able to retire?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Finding Your Why: The Financial Resources that Fit Your Lifestyle Apr 02, 2020

    In this special, two-guest episode, Eric talks to Brent Weiss and Holly Grosvenor about the different levels of financial advising available to clients and which one is right for which person.

    Bullet points of what is covered during the episode:

    • Financial coaching versus financial advising
    • What are the levels of financial assistance available and which is right for each type of client
    • Understanding what you’re trying to achieve financially and why

    Show Notes Here

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    Roth Contributions When in a High Tax Bracket Mar 26, 2020

    In today's Office Hours, Eric answers Timothy's question: Should I contribute to a Roth IRA if I'm in my mid-thirties and in a high tax bracket?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Aging in Place: Senior Services That Can Help Your Aging Parents Stay in Their Homes Mar 19, 2020

    Have an aging parent that needs additional care? Eric Brotman discusses Carenextion and other services available to seniors and their caregivers with Deb Taylor, CEO of Senior Community Services.

    During the episode:

    • The financial and emotional importance of aging in place and staying in your own home.
    • How Carenextion.org can reduce stress for caregivers.
    • The types of services that Senior Community Services offers.

    Show Notes

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    Retirement Income Calculator Mar 12, 2020

    In today's Office Hours, Eric answers Tina's question: how much money should I have in retirement savings now in order to have enough income later?

    Have a question? Tweet it to us at @BrotmanPlanning and it may be answered in a future episode of Office Hours!

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    Understanding Medicare Before it’s Too Late with Danielle Roberts Mar 05, 2020

    Eric Brotman discusses the seldom understood details of Medicare and how/why you should start incorporating medical costs into your retirement planning with Danielle Roberts, founding partner of BoomerBenefits.

    During the episode:

    • Understanding what Medicare is and how to navigate it.
    • Medicare is not free and should be part of your retirement planning.
    • How to prepare for your medical costs in retirement.
    • The differences between Medicare and Medicaid.
    • Looking towards the future of Medicare and Social Security.

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    Student Loans vs. Retirement Planning Feb 27, 2020

    In the first ever episode of Office Hours, Eric answers a listener's question about whether you should be prioritizing paying back student loans or saving for retirement.

    Have a question you want answered? Tweet it to us at @BrotmanPlanning or connect with us on Facebook.

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    Managing Longevity Risk: How to Not Outlive Your Retirement Income with Dr. Wade Pfau. Feb 20, 2020

    Eric Brotman discusses ways to preserve your assets in retirement and which strategies you can use to create retirement income with Professor of Retirement Income, Wade Pfau, Ph.D.

    What is covered during the episode:

    • Strategies for using and preserving retirement income.
    • How reverse mortgages can be tools for retirement income.
    • With pensions becoming more and more rare, different tools are needed to ensure financial independence in retirement.
    • How annuities, Social Security, life insurance, and other financial tools should be managed in a financial plan.
    • Managing longevity risk—making sure you don’t outlive your retirement income.

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    Finding Your Purpose in Retirement Feb 06, 2020

    Eric Brotman discusses ways to find purpose in your life, both before and during retirement, with the manager editor of the Money and Work & Purpose channels on NextAvenue.com, Richard Eisenberg.

    Bullet points of what is covered during the episode

    • Relying on our careers to form our identities can cause identity crises during retirement.
    • Boomers are redefining retirement in the way that millennials are redefining work.
    • Financial literacy is lacking among all generations, but a solution is not as easy as it may seem.
    • Financial advisement and planning becoming more accessible to the average, middle class person.
    • Biases and gender differences when working with couples.

    Richard is the Managing Editor and Senior Editor of the Money and Work & Purpose Channels for NextAvenue.org. He has helped people manage their finances and careers as a writer and editor at major media outlets including Money, Yahoo!, CBS MoneyWatch, USA Today and Good Housekeeping. He has written two books, How to Avoid a Mid-Life Financial Crisis and The Money Book of Personal Finance.

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    Financial Literacy Education with Certified Job and Career Development Coach Jayme Hayes Jan 23, 2020

    Eric Brotman discusses financial literacy education and how it impacts financial independence and retirement readiness with certified Job and Career Development Coach Jayme Hayes.

    In this episode:

    • In a lot of cases, young adults and children are uneducated when it comes to financial literacy. It’s important to implement this education both at home and in classrooms.
    • The cost of a college education and the big picture of the costs and alternative opportunities.
    • Start saving now! Don’t just think about what you should do financially but start early and educate yourself.

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    Overcoming Challenges and Inspiring Others to Thrive with Yogi Business Professional Kristy Schiano Dec 19, 2019

    Eric Brotman discusses Overcoming Challenges and Inspiring Others to Thrive with yogi business professional Kristy Schiano.

    In this episode:

    • Moving your life through phases and coping with each phase.
    • Mental, physical, emotional, spiritual healing through yoga therapy and integrating all forms of wellness including financial.
    • Impact of gratitude and focusing on the present moments.
    • Strategies for coping in a professional setting.

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    Finding Happiness and Success in Retirement with retirement consultant Art Koff Dec 05, 2019

    Eric Brotman discusses finding happiness, success, and new careers in retirement with retirement consultant Art Koff.

    During the episode:

    • Staying busy by doing things that make you happy in retirement. Finding unique ways to turn hobbies into careers.
    • We are going to live longer than we ever expected and life will be more expensive than most have planned for are of great current interest.
    • The cost of healthcare after retirement.

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    Grooming your Children for the Family Business Nov 21, 2019

    Eric Brotman discusses retirement for one generation of a family business and transferring business responsibilities with family business expert Henry Hutcheson.
    In this episode:
    ● Retirement for one generation of a family business often hinges on the successful transfer of the business responsibility to the next generation - but this transition is tricky at best.
    ● What are the best practices from family businesses that survive the transfer? How to combine your purpose and profit to be successful.
    ● Mixing personal, family, and business.

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    Repurposing your Lifelong Career Oct 24, 2019

    Eric Brotman discusses how profit and purpose can drive your success and repurpose your lifelong career with renowned author Marc Miller.

    In this episode:

    • Career Pivots and the idea that logical incremental steps can take you anywhere career wise and otherwise.
    • How to combine your purpose and profit to be successful.
    • In today’s world, after education, we continue to work and morph every 10-15 years and our idea of being old changes.

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    Gender Differences in Financial Planning Oct 10, 2019

    Eric Brotman discusses how financial planning should differ between men and women and the benefits of a Health Savings Account with NBC’s TODAY Show’s Jean Chatzky.

    What you will learn on this episode:

    • Financial planning issues that women face more than men.
    • How to use an HSA to save and grow your money.
    • Why financial literacy isn’t taught in schools.

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    Creating a Legacy Through Charitable Planning Sep 26, 2019

    Eric Brotman discusses different strategies to create a legacy that actually makes a difference in charitable planning, with CEO of Exponent Philanthropy, Henry Berman.

    “Giving is thoughtful and highly personal…It comes down to your values, what are your passions, what is important to YOU.” EB

    • Everyone has the opportunity to be involved in philanthropy, it’s not just something for the Bill Gates and Warren Buffett’s of the world. All of us have opportunities to give and support people.
    • Giving doesn’t always have to be complex. However, if you’re someone who gives over $10,000 a year, it might be time to find a company such as Exponent Philanthropy to help guide you.
    • There are big changes in the way wealthier people group their deductions.

    ABOUT HENRY BERMAN

    As CEO since 2010, and a member since 2003, Henry leads Exponent Philanthropy, a vibrant membership organization that amplifies and celebrates the vital work of philanthropists who give big while keeping their operations lean. As co-trustee of a private foundation committed to supporting programs which foster the development of children with the intellectual, social and emotional skills necessary to achieve their full potential and become competent, happy and productive adults, he brings a firsthand understanding of the needs of philanthropists with few or no staff and a wealth of experience in the nonprofit and for-profit sectors.


    Neither Kestra IS nor Kestra AS provide legal or tax advice and are not Certified Public Accounting firms.**

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    Income Strategies for Retirement Planning Sep 12, 2019

    Eric Brotman discusses understanding the roles of yields and dividends in retirement income planning with best-selling author Marc Litchenfeld.

    In this episode:

    • The concept of retirement as graduating to the next stage of life
    • “Rich” doesn’t always imply money but being able to live the life you want to live
    • Marc’s 10,11,12 system (also covered in his book) this breaks down dividends, tax concepts, and long term investing

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    How Financial Coaching Can Help Get Anyone Started in Planning for Retirement Jul 11, 2019

    Eric Brotman discusses how financial coaching can help you take control of your personal finances with financial coach Beau Humphreys.

    In this Episode:

    • Even if you're just getting started or you're struggling with crippling debt, take the first step towards financial independence.
    • Understanding the difference between a personal finance coach and a financial advisor
    • Interview with a personal finance coach with an incredible personal journey to share.

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    Why tax planning is more than just filing tax returns Jun 13, 2019

    Eric Brotman discusses how understanding the impact that the 2018 income tax changes has on your wealth is critical to reaching financial independence with attorney and the "funniest tax guy in America," Edward Lyon.

    In this episode:

    • What experts should you work with to help with your taxes?
    • What tax changes do most people need to be aware of?
    • The tax changes that affect businesses.
    • Planning is even more important now, people don’t get do-overs.
    • SALT provisions from both sides of the political spectrum.
    • Tax policies for different people and different states.
    • The new policies provide so many opportunities for tax planning.

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    Using Home Equity as a Working Asset May 30, 2019

    Eric Brotman breaks down the pros and cons of reverse mortgage strategies in reaching and maintaining financial independence, with mortgage specialist Neil Sweren.

    In this episode:

    • Making sure one of your largest assets isn't "unemployed" when you retire.
    • What is reverse mortgage?
    • What are the restrictions and qualifications?
    • Understanding the pros and cons of reverse mortgage strategies in reaching and maintaining financial independence.
    • A way to finance purchases on new homes, make current situations work for you.
    • Reverse mortgages don’t exist in a vacuum, they can be beneficial not only for the value but for the lifestyle.

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    How the Financial Media Encourages Bad Behavior May 16, 2019

    Eric Brotman discusses how to make better money decisions and why it is so important to ignore the financial media's "advice" with radio show host and financial advisor Kate Stalter.

    In this episode:

    • The financial media is a product they are selling, not a public service.
    • Advice from the media is one-size-fits-all, not personalized to you.
    • Financial education is not taught in schools but is taught by advisors.
    • When is comprehensive planning not for you?
    • It is your job to follow your financial plan.
    • Financial plans are living documents, not one and done.
    • The dangers of DIY financial planning.

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    How Retirement is Not a Sprint, It is A Marathon May 03, 2019

    In this episode, Eric talks with Yanni Neibuhr, a financial advisor for BFG, on how different generations view financial independence and how you should start thinking about retirement in your 20s and 30s.

    In this episode:
    ● Retirement is not something that should be started at 60, it should be started as soon as possible
    ● Millennials have a different mindset of what independence means and they want to be independent as soon as possible
    -- The side hustle- Finding ways to make money outside of a 9-5 job in order to become independent
    ● Entrepreneurship is growing- a lot of people are starting their own companies, particularly online.
    -- The Instagram generation: trying to create their own brands, social awareness
    ● The greatest generation- many of them had pensions, received social security and saving 10% would have been enough to comfortably retire. It is no longer that way
    -- Now it is YoYo- You’re on your own
    ● Underemployment is high- people are getting working for less than their education prepared them for
    ● Program where companies match student loans instead of retirement, which is way more valuable for Millennials
    ● Extra credit: Advice is to start saving as early as possible. Remember that saving is a marathon not a sprint- the sooner you start training, the better off you will be. Don’t rush into anything- there are steps to it and everybody is unique.

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    The Financial Freedom Formula Apr 18, 2019

    In this episode, Eric discusses how to establish and maintain financial freedom with best-selling personal finance author Damion Lupo.

    In this episode:

    • How failure helps you succeed
    • Becoming financially free
    • The importance of a financial runway and how to understand yours
    • Financial advisors versus salespeople dichotomy

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    Housing in retirement. To downsize or not to downsize? Apr 04, 2019

    In this episode, Eric discusses the Dos and Don’ts of downsizing in retirement with residential real estate agent Tina Beliveau.

    In this episode:

    • Tips for first-time homebuyers
    • Why you should consult with a real estate agent before taking any next steps
    • The dangers of PMI
    • The differences between buying a first home and selling your home while buying a new one
    • The additional costs of buying and selling a home
    • Considerations when thinking about downsizing
    • Maximizing the sale value of your home

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    How to choose a financial advisor and when to know you need one Mar 21, 2019

    In this episode, Eric discusses when "doing it yourself" stops making sense and how to choose an advisor with his guest, Lena Nebel.

    In this episode:

    • Who needs a financial advisor and why
    • Different types/specialties of financial planners
    • How to find a financial planner
    • Questions to ask when interviewing a financial advisor?
      • Does the advisor represent specific companies or products?
      • What gets done in-house as opposed to being outsourced?
      • How often would an advisor meet with you?
      • Who are the typical clients of the firm?
      • What are the costs of doing business?

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    Estate planning basics – not only for the rich Mar 07, 2019

    Eric Brotman and his guest, Jill Snyder, discuss the greatest financial gift you can give your children: influence, not affluence.

    In This Episode:

    • The importance of having an estate plan
    • Why an estate plan is not only for the wealthy
    • When to create an estate plan
    • How to navigate estate planning with marriage, divorce, children and in-laws

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    Legacy planning – Leaving behind something more important than money Feb 21, 2019

    In this episode, Eric Brotman and his guest, Rich Polt, discuss how important family is and that preserving a legacy isn’t always just about financial estate.

    In this episode:

    • How will you be remembered?
    • What can you leave to your children, grandchildren, and future generations of your family that are more valuable than money and "stuff?"
    • Interview of a producer of Legacy Videos for families.

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    Preparing for Act 2 Career Feb 07, 2019

    In this episode, Eric Brotman and his guest, Kathleen Benjamin, discuss how to prepare for Act 2 career and what to do professionally in retirement.

    In this episode:

    • You're graduating - what do you want to be when you grow up?
    • Life after "Career 1.0": Consulting? Entrepreneurship? Teaching? Mentoring?
    • Interview of an Act II success story.

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    Volunteering in retirement –time, talent & treasury Jan 24, 2019

    In this episode, Eric Brotman Dianne Gilbert discuss finding your calling and a higher purpose as a volunteer in retirement. Using your time, talent, and treasury to make a difference. Interview of a "graduate" who has mastered volunteerism.

    What is covered:

    • Finding your calling and a higher purpose as a volunteer in retirement.
    • Using your time, talent, and treasury to make a difference.
    • Interview of a "graduate" who has mastered volunteerism

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    Envisioning Your Own Retirement as a Graduation Dec 14, 2018

    In this episode, Eric Brotman and his guest, Robyn Costello, discuss how to reframe retirement as a graduation, not a retreat.

    You'll hear:

    • Why traditional retirement is bad for you and how to change the script.
    • Reframing retirement as a graduation, not a retreat.
    • Interview of a recent "graduate" into retirement.

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