Barron Von Earl Sir Duke Lord Turner | Rock-n-Roll Comedy Train wreck

- How to find more willpower to control your money.

- How to instantly increase your business revenue

- Where the part-time jobs are this season.

Listener questions:

- How much money should you spend on your business (Justin)

- What is the difference between an emergency fund and a float fund (Captain Kirk)

- Where do I get educated on investing (Zach)

- How can I supplement my income to pay off debts faster (John)

- We're about to lose our home to foreclosure and don't know where to go for help (Carrie)

- What is the difference between a security freeze and a credit freeze (Kristin)

Resources/links:

- Financial independence can come at any age, and at any income level.

- The story of a generous customer who leaves a $10,000 tip.

- Mo shares advice on how to reward good customer service.

Listener questions:

- How do I save money each month for an emergency fund (Vonda)

- Can money from a 403(b) be withdrawn to pay for a house downpayment without tax and penalty (Emerson, Monterey, CA)

- How can I live more efficiently and not have a bank account in the red all the time (Whitney)

- How do I save money while earning minimum wage (Jordan)

- Our financial plan is very week and we can barely eat (Alison)

- How much can you withdraw from your retirement funds and have it last (Kevin, Atlanta, GA)

Resources/links:

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distributions

- The new UltraFICO score may be the answer to over 15 million people who don't have credit scores.

- From barefoot to Bentley's. The story of building a restaurant empire from scratch.

- Red Alert Warning - Avoid this kickstarter scam from Aurora Coffee.

- Should you follow Charlie's advice to build wealth (not no, but heck no).

Listener questions:

- Just moved to another state and can't pay the bills (Shay, FL)

- Where to get started investing (Pablo, SoCal)

- Is dividend investing a good way to earn passive income (Christian)

- Use a HELOC to pay off your mortgage faster (Michael, Richmond, CA)

Resources/links:

https://www.fico.com/ultrafico/

https://www.wikihow.com/Follow-the-Mortgage-Accelerator-Plus-Program

- Trey is having a problem with AT&T after spending hours with them on the phone. He asks for Scott's tips on getting the problem fixed.

- Michael went from living paycheck-to-paycheck to a net worth of $375k!

- Is audit protection worth the cost?

- How to use credit card points for FREE travel.

- More on HSAs and how to use them to save you money.

Listener questions:

- Paul is using his credit cards too often and is reluctant to cut them up.

- JT's wife is a 1099 contractor and he asks if a SEP IRA is good for her to invest in.

- Omid (California) has some tips for other listeners on switching banks.

- Ron (Facebook) is deciding how much to save for retirement vs. sinking funds and opportunity funds.

- Stan is overwhelmed with credit card debt.

- Chris has an investment property that is losing money and is considering a 1031 exchange.

Resources/links:

https://www.rockrollnsoul.com/

- How an emergency fund can save you money over the long run.

- Moving abroad to get out of debt and get ahead

- Is a 401(k) the best place to put my money (No)

Listener questions:

- How to market a food product (Rachel Ray)

- Using Acorns as opportunity fund (Walter)

- Roboadvisors vs. three-fund portfolios (KC)

- Worried about paying back a bank loan because things keep going wrong (Betta)

- I'm tired of being a poor graduate student (Alexis)

- Buying a townhouse while using credit cards to survive (Sean)

Resources/link:

Consumer Reports Extended Warranty Guide: https://www.consumerreports.org/cro/extended-warranties/buying-guide/index.htm

- What are some tips you can use to save $1,000 on Christmas this year?

- Can you make $3,000 before 9 AM? The perils of day trading.

- What types of scams could you fall for?

- The most valuable lesson learned at an early age (Matt)

Listener questions:

- Is an IRA Rollover or Fidelity Go a better choice (Nala, Maryland)

- Should I rent out my house or sell it (Heather)

- I can't save for retirement right now (Jamie)

- What are the keys to success (Peter)

- How much life insurance should I buy (Roberto)

- Should I switch to another state's 529 plan (John)

- It's tough to see your hard earned money go towards taxes, but with some planning you can pay less - A LOT LESS.

- Why did the stock market drop?

- Going through a divorce with kids and stressed out about money? A listener has some very valuable advice for you.

- Petra is debt free! Hear her inspiring story.

- What is the point of having money? From Jay Leno.

Listener questions:

- How to budget and make sure the kids have everything they need (Nicollete)

- Should you rent out a house or sell it and downsize (Heather)

- Should you sell a car to pay off debt and start a house down payment fund (Alexandra, Texas)

- Should I consider a reverse mortgage (Phil)

Resources/Links:

Reverse mortgages, Wade Pfau - https://www.amazon.com/Reverse-Mortgages-Secure-Retirement-Researchers/dp/1945640006

- Why do many people end up broke? Often it's because they never see the warning signs coming. Breaking the paycheck-to-paycheck cycle and moving along the path to building wealth involves knowing when you're facing a financial cliff and getting help to keep from falling off.

- Where are the jobs in this economy if you aren't earning enough? Katie reports from an economic forecasting seminar she attended recently.

- Does your choice of college for an MBA matter?

- An inspirational story about how adversity has led to resilience. (Daniella, OR)

Listener questions:

- How do you decide between long term and short term investing goals (Rodney)

- I have medical and credit card dent and am not budgeting properly (Kelsey)

- Need an extra $2,000 a month until I start collecting social security (Jan)

- Which books show you how to not gamble with your fun money for investing (Ally)

- How get enough money to travel abroad with a family every year (Diane)

Also mentioned:

- Lessons learned from Mattress Firm closing stores and Sears filing for bankruptcy.

- How having too much money can be hazardous to your health.

- This popular investment with 20 somethings has cratered and Scott says its a good thing.

- As you soon realize everyone improvises with the plans they follow, guilt, disappointment, and feeling bad about yourself goes away.

- Drew Brees was written off as too short to play in the NFL but just became the player who throw the most yards in NFL history.

- Jobs on Craigslist that pay $75k/year with benefits!

Listener questions:

- Are Roth 401(k)s taxed by an employer? (Manuel, Florida)

- Funding college and retirement while going through a divorce and making $11/hour (Julie)

- How to start a small business (Irene)

- Saving a lot but is it enough (Patricia)

- The price of living in San Francisco is very high (Heidi)

- How to start investing in a taxable account (Anon)

Also mentioned:

- When you learn better you do better (Brittney, LA)

- Three things you must do to build wealth at any stage and any age.

- Be aware of what others say you can afford and you'll be much better off.

- Scott rants on people that can't find time for priceless information.

- Holly is now debt free!

Listener questions:

- Valene and her husband are in their 50's, make $65,000 a year and want advice on the priorities of paying down a mortgage vs. saving for retirement.

- Anthony switches to a discount broker.

- Rebecca is upside down on a loan for a truck that doesn't run.

- Walter is in college and needs an alternative to the high minimums some index funds cost for investing.

- Valarie has 50-cents to her name and needs money today.

Also mentioned:

- John (San Antonio, TX) is a college student and shares his wisdom on how to live your desired lifestyle.

Resources mentioned on the show:

https://scottalanturner.com/14-ways-make-money-for-rent/

FeedingAmerica.org

211.org