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

Topics:

- Lena (Wheeling, IL) is trying to figure out her investment options in her HSA.

- How to get ahead by netweaving instead of networking.

- Henry (CT) has a 30 year fixed loan with a $225k balance and asks about refinancing with a VA Hybrid ARM.

- This company is raising prices to get rid of it's customers.

- Daniel (Buffalo, NY) has a son graduating from college and wants to know if he should keep a life insurance policy for him.

- Karah (Cincinati, OH) is 33 and deciding how to invest between her 401(k) and HSA.

- John (Cleveland, OH) asks if he should suspend his 401k contributions to pay off debt.

- Bobby (age 32) completes a bachelor's degree while working full time and raising 3 kids.

Links mentioned on the show:

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Trumps executive order on the DOL rule

Topics: Scott breaks down what it is we all seek, and how we base our decisions on where to spend our money and time. By understanding our values and the values of others you can make better decisions.

- Lena (Wheeling, IL) paid off $10,500 in credit card debt!

- The future of bacon.

- Rob is $200,000 in debt and desperate to get a budget going.

- Pawan (Kansas) asks if Trade King is a legitimate company to use to start an ESA.

- Brandon has a Roth IRA and is interested in making the most money with his investment choices.

- Cullen (East Windsor, NJ) wants to retire early at age 44 and is trying to figure out how much non-retirement money will be needed before age 59 1/2.

- Dave (Fairfax County, VA) is figuring out the best mix of taxable vs. tax-free investments.

Links mentioned on the show:

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Why active managers suck and will never outperform the market over time:
http://web.stanford.edu/~wfsharpe/art/active/active.htm

us.spindices.com/documents/spiva/spiva-us-year-end-2012.pdf

https://papers.ssrn.com/sol3/papers.cfm?abstract_id=869748

The looming disaster of the bacon shortage

Topics: Scott discusses the relationship between money and happiness as you get out of debt or build wealth.

Tony (Parts Unknown) is trying to save money so that he can have some sort of financial balance.

- Kevin (YouTube) has advice on how to pay off a car quickly.

- Tiffany (Dallas, TX) is a teacher and took investment advice from her co-workers. Did they get it right?

- Gemma (Indianapolis, IN) has had a normal life, and now wants to become a rock star.

- 4 ways to save money on any purchase.

- Susan asks if REITs have a place in a retirement portfolio.

- Rafael (NYC, New York) wants to pay 100% cash for real estate and asks about the least expensive type of property to get.

- Happy episode 200.

Links mentioned on the show:

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Debt Reduction Calculator

Topics: Katie gets into an accident with the Honda Fit. Scott gives a financial and relationship lesson from a bad situation.

- Jean steps into a Rich Dad Education seminar and asks if the 3-day up-sell is worth the $495.

- SEC busts ‘Hamilton’ ticket resale ponzi scheme. What you should watch out for with exotic investment opportunities.

- Queen Latifah has a car loan of $24,000 on a vehicle worth $13,000 and wonders what to do about it.

- In defense of Mariah Carey.

- Deniese has had to file for bankruptcy and asks what to do about her student loans.

- George asks if he qualifies for an HSA, and if not would COBRA be better.

- Wayne (Kalispell, MT) has paid off all his consumer debt!

Links mentioned on the show:

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Hamilton Ponzi scheme

The Book on Rental Property Investing

Topics: The four stages of becoming wicked awesome at anything, including your finances, health, or a musical instrument.

- Adrienne (Telluride, CO) received an inheritance and wants to know where to put it.

- Samantha (Anaheim, CA) wants to help her parents with their money.

- Yep, I called Dow 20,000. I'm officially a genius.

- A book everyone starting a business should own to save money and grow a profitable business.

- Steve's car died and he's trying to figure out where to get a low-mileage, low-cost used vehicle.

- Shari (Kenosha, Wisconsin) asks about putting 10% down on a house.

- Time for the February challenge.

- What website can you use to rent anything you own to make money?

Links mentioned on the show:

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Small Business Finance for the Busy Entrepreneur

Topics: Are 150 million Americans saving for retirement going to be hurt?

- La Forge (Parts Unknown) asks about the differences between ETFs and index funds if they hold the same stuff.

- Jason is shifting his investments from a traditional IRA to a Roth IRA and wonders if he should convert his existing traditional IRA to a Roth IRA.

- Where are they know? An update on Jordan and Martin.

- Making 6 small changes for better habits saved Tyler and Jaquiline $1,200 a month.

- James and his wife are deciding between putting 5% down on a house with a 30-year mortgage or saving 20% down and doing a 10-15 year mortgage.

- How is Katie coming along with our 1950's fixer upper?

- What are the best renovations for your money in 2017?

- Brian celebrates one year of creating more margin in his life.

Links mentioned on the show:

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How changing small habits saved this couple $1,200 a month

The Renovations That Will Pay Off the Most for Your Home in 2017

Topics: What does it really take to be financially independent? How much money do you need to save? How much can you spend in retirement? How soon can you retire?

- Tyrone (San Francisco, CA) asks how much money to anticipate spending in retirement.

- Bill (Lincoln, NE) asks how can someone that starts saving earlier and with less money end up with more money than a person that starts later.

- Danielle wants my investing strategy for 2017.

- Gerardo is 21 years old and trying to figure out how to get started investing and saving up for a house purchase.

- Gabriella has a getting out of debt question.

- Why extended car warranties are a waste of your money.

- Retire to something.

Links mentioned on the show:

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No, the stock market doesn't return 12%

Early retirement calculator

Consumer Reports on extended car warranties

Topics: Scott reviews the book Zero Down Your Debt - Reclaim your income and build a life you'll love.

- Carlos (Ramona, CA) has started a new job and needs to pick from a 401(a), 457(b) or Roth 457(b) plan.

- Jacob is 36 years old with $134k of debt and an inherited IRA valued at $35k. He asks if he should cash out the IRA and apply it towards the debt.

- What can you find at the dollar store?

- Are target date funds better than DIY investing?

- Benjamin (Ivory Coast) got a big inheritance and wants to invest in a business.

- Renee (Monroe, OH) is getting started with investing and asks about which funds to invest in.

- Follow up for Rafael (NYC) on if Vanguard employees invest in Vanguard index funds.

- Tyrone (San Francisco, CA) and his wife are debt free!

Links mentioned on the show:

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Zero Down Your Debt

Topics: Scott reveals the not-so-secret tip all successful people do to become and stay successful. It's simple, but it ain't easy. But anyone can do it.

- Rafael (New York) believes that Vanguard employees are not putting their money where their mouth is. What does Vanguard have to say about this?

- Tyrone (San Francisco, CA) has a follow up to how he and his wife plan on saving up for their house.

- Michael is age 59 with $60,000 in debt and is considering canceling disability insurance to speed up the debt payoff.

- Carlos (Ramona, CA) has started a new job and needs to pick from a 401(a), 457(b) or Roth 457(b) plan.

- The #1 piece of advice for retirement investors.

- One phone call that saved me from a potential $5,000 mistake.

- Christopher needs help making a dent in student loans.

- Would you pass the marshmallow test?

- A quick and easy way to simplify your budget.

Links mentioned on the show:

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Disability statistics

Topics: Can you become a millionaire if you earn $30,000 a year (Hint: Yes)

- Why having a proper perspective can eliminate your financial fears.

- Matthew (Chandler, AZ) asks if a house is an asset or a liability and how REITs can enhance a portfolio.

- Why managing your finances is fun (@20sMoney)

- Karl (Pikesville, MD) is trying to figure out if he should keep renting or buy a condo.

- If you can't get a job or can't find a job for your kids, do this.

- Debbie (Portland, OR) is snowballing her debt and asks if she should invest before paying off a HELOC.

- How a greedy contractor saved himself $250 and cost himself thousands at the same time.

Links mentioned on the show:

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