Beyond Budgets Podcast

What happens when a Manhattan career woman swaps skyscrapers for suburbia and discovers a new kind of creativity?

Join us on Beyond Budgets as we welcome Kimberly Amici, the mastermind behind Build Your Best Family, who shares her extraordinary journey from designer and architect in the bustling city to a mom redefining family culture through faith and daily acts of creativity. Kimberly's story illuminates how she integrates values into everyday life, transforming routine activities like cooking and travel into meaningful family experiences. She provides invaluable insights into encouraging children to think outside the box while crafting a purposeful and enriching family environment.

We also discuss the importance of creating a stable and positive family atmosphere, using tools like Family Culture Discussion Sheets to identify and live by core values. Kimberly's wisdom and personal anecdotes highlight how simplifying daily priorities can help families truly thrive by establishing a sense of belonging and stability.

Don't miss this enriching conversation with Kimberly, full of practical tips and heartfelt stories to help you build your best family.

Episode Highlights

(01:03 - 01:52) Expressing Creativity and Faith in Family

(03:04 - 04:54) Exploring Creativity in Everyday Life

(09:45 - 10:52) Discovering Non-Negotiables for Self-Care

(14:44 - 16:18) Family Values and Accountability

(19:10 - 20:04) Defining Family Values With Kids

(26:51 - 27:59) Parenting Through Consistent Decision Making

Connect with Kimberly Amici

Build Your Best Family Website

Connect with Deb Meyer

Website

Schedule a Free Consult

Moving cross-country is not just about packing boxes; it's about navigating a maze of expenses and unexpected hurdles. When my family decided to leave Florida for Missouri, we faced surprising costs and tough choices.

In this episode of Beyond Budgets, Deb shares how her family balanced the hefty quotes from national moving companies with more affordable, creative options like PODS and regional businesses. Discover the practical tips she learned along the way, including hiring a local young entrepreneur and managing holiday schedules to ensure a smooth transition for her kids.

But the adventure didn't stop there. Buying a house in Missouri came with its own set of challenges and surprises. From replacing windows and an old water heater to unforeseen plumbing issues, Deb candidly discusses the realities of unexpected homeownership expenses. Reflecting on our choice to buy a home after just one in-person inspection, she highlights the pros and cons, emphasizing the stability renting can offer during such significant life changes.

Episode Highlights

(00:03) Moving Expenses and Budgeting Tips

(11:27) Unexpected Homeownership Expenses

(20:44) Home Buying Lessons Learned

Connect with Deb Meyer

Website

Schedule a Free Consult

What does it take to successfully merge family values with financial planning? On this episode of Beyond Budgets®, we have the pleasure of speaking with Brian Haney, CEO and co-founder of the Haney Group. Brian takes us through the unique dynamic of running a family-owned business alongside his father and brother.

From balancing the intricate relationships within the family to leveraging their diverse skill sets, Brian shares valuable insights that could benefit anyone considering a family venture. Hear his compelling journey from aspiring journalist to financial professional, illustrating how following his passion led to the formation of a thriving financial practice.

We also demystify the rising costs of long-term care insurance and discuss strategic planning to manage these expenses effectively. Packed with actionable advice and real-world examples, this episode serves as a comprehensive guide for securing your financial future and protecting your loved ones.

Episode Highlights

(02:16 - 04:23) History and Structure of Haney Company

(09:54 - 11:26) Strategic Use of Life Insurance

(14:21 - 16:29) Life Insurance for Families

(21:00 - 22:19) Importance of Care Through Insurance

(26:06 - 27:59) Destigmatizing Long-Term Care Insurance

Connect with Brian Haney

LinkedIn

The Haney Company

Connect with Deb Meyer

Website

Schedule a Free Consult

Have you ever wondered if your life insurance policy secures your family's future or if it's just another bill to pay?

Join me, Deb Meyer, on this critical episode of the Beyond Budgets® podcast as we unravel the complexities of life insurance. We'll explore the emotional and financial dimensions of choosing the right life insurance, using relatable comparisons like renting versus owning a home to explain term and permanent policies.

In this episode, we dig into the specifics of term life insurance, with an emphasis on cost-effective premiums, as well as universal and whole life insurance. Gain valuable insights on determining the right amount of coverage based on factors like career stage, number and ages of children, and household expenses.

Tune into this episode to equip yourself with the knowledge to make informed decisions about your family's financial security.

Episode Highlights

(00:26 - 01:20) Navigating Life Insurance for Loved Ones

(03:02 - 04:29) Understanding Different Types of Life Insurance

(08:09 - 09:31) Permanent Insurance Considerations for Families

(19:05 - 20:31) Life Insurance Policy Analysis and Changes

(22:41 - 24:40) Hybrid Long-Term Care Policies Explained

Resources

Find a Fee-Only Advisor on NAPFA

Term Life Insurance Companies

Connect with Deb Meyer

Website

Schedule a Free Consult

In today's episode, I'm joined by Robert and Kay Lee Fukui, co-founders of i61 Inc., cohosts of the Thriving in Tandem podcast, and authors of the book Tandem. They share invaluable strategies for balancing business success and family life.

Robert recounts his transition from Fortune 500 company sales roles to small business consulting, emphasizing the importance of working smarter rather than harder. Kay Lee reflects on her entrepreneurial upbringing and the toll relentless work hours took on family relationships. Together, they provide practical advice on succeeding professionally while preserving family time.

We also discuss tips to improve business profitability, prioritize relationships, and create sustainable wealth. This episode is a must-listen for married parents seeking harmony in their professional and personal lives.

Episode Highlights

(04:05 - 05:08) Optimizing Outcomes Over Time Investment

(09:15 - 10:18) Managing Work-Life Balance and Finances

(16:39 - 17:22) The Power of Prayer for Couples

(23:39 - 24:33) Improving Profit Margins in Small Business

Resources

Connect with Robert and Kay Lee Fukui

Website

Pick up a copy of their book, Tandem

Connect with Deb Meyer

Website

Schedule a Free Consult

Making a life-changing move is never easy, especially when leaving a place you've called home. On this episode of Beyond Budgets®, I share the poignant journey my family and I are undertaking as we transition from the sunny beaches of Florida back to Missouri.

This episode also presents a comprehensive guide to values-based financial planning. We dive deep into a six-step process to help you achieve financial goals while staying true to your core values. From gathering self-knowledge and setting realistic yet ambitious goals to analyzing your financial situation and consulting a financial advisor, you'll find practical advice tailored to larger financial milestones and simpler, more immediate goals.

Whether you're contemplating a major life change or simply looking to align your finances with your deepest values, this episode offers invaluable insights and inspiration.

Episode Highlights

(01:44 - 02:46) Importance of Core Values in Relocating

(06:46 - 08:34) Family Motivation in Florida

(10:07 - 11:44) Careful Deliberation Led to Moving

(21:29 - 23:18) Developing a Realistic Financial Plan

Resources

Think2Perform Values Exercise

Values as a Foundation for Success

Roots & Wings Ministries - Spiritual Direction

Finish by Jon Acuff

Jon Acuff's podcast All it Takes is a Goal

Connect with Deb Meyer

Schedule a Free Consult

Website

Can you truly achieve financial freedom by shifting your mindset? Guest Brian Tibbs, a seasoned real estate investor and author of The HACKER Method, believes you can. Brian shares how the allure of consumerism often leads people astray and how his experiences living overseas offered him a fresh perspective on achieving genuine wealth. In this episode, Deb and Brian unpack the vital differences between consumer and investor mindsets and why the latter is crucial for building long-term financial stability.

Have you heard of the 50-40-10 budgeting strategy? By allocating 50% of your income to essential and enjoyable expenses, 40% to investments, and 10% to charitable giving, this strategy aims to foster financial independence and nurture a sense of social responsibility. We delve into how this budget can help parents like you eliminate large debts, reinvest profits, and positively impact the world.

Taking risks in investing can be daunting, but Brian explains how measured risks in stocks and real estate can lead to substantial long-term gains. Tune in to learn how these actionable steps can help you rethink your financial choices and pave the way toward financial freedom.

Episode Highlights

(00:03) Transforming Financial Mindsets for Wealth

(09:09) The 50-40-10 Budget Strategy

(16:25) Building Wealth Through Measured Risk

(22:33) House Hacking for Real Estate Investing

Resources

Connect with Brian Tibbs

https://theunexpectedinvestor.com/

Buy his book, The HACKER Method

Connect with Deb Meyer

Website

Schedule a free consult

Download the FREE Starter Guide

Unlock the secrets to a seamless business exit strategy that secures your financial future, as we journey through the pivotal steps of detaching from a business you've nurtured.

With my expertise in tax compliance and succession planning, alongside insights from the Exit Planning Institute, this episode arms you with the essential knowledge to gracefully navigate the intersection of retirement and the sale of your small business. From the emotional complexities tied to parting with your enterprise to actionable tactics for aligning your fiscal ambitions with the realities of the market, I've got you covered.

Prepare to empower yourself with a skill set designed to mitigate tax repercussions and enhance quality of life, while also understanding the critical role of a valued advisor in steering your strategy. Whether you're close to retirement or seeking to align your business with your family's financial dreams, this discussion is tailored to help you step confidently into your next chapter with a team of experts guiding the way.

Episode Highlights

(07:31 - 09:07) Building a Team for Business Success

(13:11 - 14:20) Life After Exit

(15:57 - 17:51) Maximizing Sale Proceeds Through Financial Planning

(21:22 - 22:24) Roles in Exit Planning Team

(25:14 - 26:36) Financial Planning for Business Exit

Resources

Exit Planning Institute

CEPA

Email deeper dive questions to [email protected]

Walking to Destiny by Chris Snider

Traction by Gino Wickman

Family Business Consulting Group

Connect with Deb Meyer

Website

Schedule a free consult

Download the FREE Starter Guide

Unlock the secrets of financial harmony in marriage with insights from financial experts Deb Meyer and her special guest, Den Murley. They delve into the dynamic world of couples' finances, shattering the myth of the spender-saver binary and advocating for a stronger foundation of mutual understanding. Discover how to navigate shared versus separate accounts, illuminating the path to financial unity and individual autonomy within a relationship.

You'll learn to reframe the adage "we can't afford it" to an enlightening explanation your kids can easily understand. This journey of self-discovery and communication about money is the key to breaking long-standing negative financial patterns.

This episode is also a strategic conversation on tax planning and retirement. It offers guidance through the current tax landscape and shares tactics for thoughtfully timing income recognition. Join Deb and Den for this comprehensive guide to family financial planning, where managing emotions and creating a legacy take center stage.

Episode Highlights

(00:03) - Transforming Relationship With Money in Marriage

(07:33) - Influence of Childhood on Financial Habits

(14:26) - Teaching Finances and Generosity to Children

(19:31) - Tax Planning and Retirement Strategy

Connect with Den Murley

Website

LinkedIn

Connect with Deb Meyer

Website

Get a copy of Redefining Family Wealth

Unlock the secrets of blending family life with financial freedom as we journey through the ever-changing realms of retirement and financial independence. Explore the personalized paths that lead to a life where work is a choice, not a necessity, and freedom is the ultimate retirement plan.

In this episode, I'll show financial planning isn't just a numbers game— it's about designing a life rich with choices to pursue what truly matters. We've got enlightening tales from couples who mixed early retirement with freelance work and those who've struck an excellent balance between enjoying today and securing tomorrow. These stories are more than just inspiration; they're a roadmap to navigating the complexities of achieving financial independence while raising a family.

Step inside the world of savvy savers and strategic planners, where we dissect the delicate art of securing a future unshackled by the traditional confines of work. Every family's journey to financial independence is as unique as a fingerprint, marked by the individual challenges and joys that come with parenting.

Episode Highlights

(02:20 - 03:18) The Changing Landscape of Retirement

(07:14 - 07:58) Homeownership and Interest Rates

(10:22 - 12:42) Eternal Significance of Secular Work

(19:06 - 21:40) Financial Independence for Early Retirement

Resources

Join us at the Raising Generational Wealth Summit May 2nd-4th

Get Jordan Raynor's book The Sacredness of Secular Work.

Connect with Deb Meyer

Website

Get a copy of Redefining Family Wealth