Listen Money Matters - Free your inner financial badass. All the stuff you should know about personal finance.

We tend to talk about stocks much more often than bonds. Why? Because since LMM began, our audience has skewed young, most of our listeners are in their twenties and thirties. But the show has been around for seven years now. Those who have been with us from the beginning are seven years older.

We want to serve our audience, so we need to focus a little more on bonds. Most of you know the basics, and we've covered bond investing in the past. Today we have returning guest J. David Stein to go a little deeper into the weeds and talk about the yield curve.

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Show Notes

Flatter Flatter: An IPA from SingleCut Beersmiths

Blue Light Rain: An unfiltered German Pilsner from Knotted Root Brewing Company

Money for the Rest of Us: J. David Stein's site and podcast.

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We get dozens of emails from listeners each week asking really thoughtful financial questions. When a question needs a detailed answer or might be helpful to others, we turn it into part of a 5 questions episode.

Today we have 5 questions about buying a timeshare, the Lending Club strategy, f**k you money, buying a rental property, and what to do with a million-dollar inheritance.

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Show Notes

Cape May City To Shore: A Double IPA

Thick Blueberry Goo: A smoothy style Berliner Weiss.

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There are a lot of bad things happening around us: climate change, weekly mass shootings, rampant opioid addiction, income inequality.  Rather than feeling helpless and frustrated, let’s take matters into our own hands. That’s where socially responsible investing comes in. You can invest in the world you want to live in.

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HopHands: An American Pale Ale

Wisp: A Belgian style whip

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Agriculture is the one industry that touches every person on the planet. Agriculture produces the food we eat, the liquids we drink, the clothes we wear, and the furniture we sit on. There are nearly 7.5 billion people on earth, all of whom consume what agriculture produces. Which makes investing in agriculture seem like a no brainer.

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Show Notes

Fat Orange Cat: A white stout brewed with coffee and chocolate

Melcher Street: A double dry-hopped IPA

Dallas Blonde: An American blonde ale.

Harvest Returns: Grow your wealth with passive investments in farming and timberland

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The FIRE movement has carved out a big niche in the personal finance space. FIRE stands for Financial Independence, Retire Early but if you quit traditional work in your 30s or 40s, what will the rest of your life look like?

Three or more decades is a lot of time to fill and sitting on the porch in a rocking chair or playing golf aren't going to be enough to fill it. The 30s to 60s can be the prime of life. We're still filled with energy, ideas, and ambitions.

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Show Notes

Apricot Compote: A Sour from Evil Twin Brewing.

The Frugal Engineers: Kim and her husband's site.

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We get dozens of emails from listeners each week asking really thoughtful financial questions. When a question needs a detailed answer or is of interest to a lot of people, we turn it into part of a 5 questions episode.

Today we have 5 questions about debt consolidation, saving money on a move, combining finances, living paycheck to paycheck, and capital gains.

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Show Notes

Lightful: A German-style wheat beer from Tired Hands Brewery.

Yule Smith: A double hopped IPA.

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We talk a lot about making sure your portfolio is diverse enough to insulate your investments from risk. But if you want to ramp up returns, consider diversifying your retirement with alternative assets. How can you do that? A Self Directed IRA is one of the most powerful tools in your retirement arsenal. Alternative investments can improve your chances of retiring with enough money.

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Show Notes

Apricot Compote Sour: A refreshing summer beer from Evil Twin.

Alto: The Alto platform provides users with a simple interface to set up, invest with, and manage a diversified portfolio of alternative assets.

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The United States Department of Agriculture (USDA) estimates that it costs nearly a quarter of a million dollars to raise a child from birth to age 18.  That tally does not include the cost of a college education.

The largest piece of that pie lies in housing and transportation at a whopping $107,000. Next, you’ll factor in childcare and education at $44,000. (See? I told you this shit is expensive).

Following that is clothing/miscellaneous and healthcare at $33,000 and $20,000 respectively. Let’s get crazy and add the cost of college into that number.  Now we are easily pushing over $350,000 to raise one child.

Having kids is not a business decision for most people but it comes with many of the same considerations. There are no “one size fits all”.

Let's look at some things to consider before embarking on what I called my new business and what you would probably call your family. Let's talk about the business of babies.

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Knowing your personal net worth is one of the most important aspects of personal finance. It's one of the best indicators we have to know if we are on target to meet our goals. Whether you want to be debt-free, buy a home, pay for college for your children, or to retire you need to be on target.

Your net worth is a way to see what is holding us back. It's a very strong indicator of your overall financial health.

Figuring out your net worth is easy. Add up the total value of all of your assets. Add up the total value of all of your debts. Now subtract the assets from the debts. You might have a positive net worth or a negative one.

Not really into math? We hear you.

We know someone who will do the math for you for free. Personal Capital will give you a complete picture of your net worth, compare yourself to others average net worth in your age or income bracket and track progress towards your goals.

They also do a ton of other things for free like track your spending, analyze fees, investment checkups, and help your retirement plan. You can thank us later.

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Show Notes

Personal Capital - Track Your Net Worth

Mint - Budget Like a Badass

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In its ongoing quest for world domination, Facebook is set to launch a cryptocurrency called Libra. And a digital wallet to store those Libra called Calibra. Given the company's somewhat shady privacy practices, would you trust Facebook with your money?

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Show Notes

Passion Pool from Mikkeller and Friends: A gose.

Craft Lager from Upslope Brewing Company: An American style lager.

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