FinTech is making an impact in the world if investing.

Dr. Sean Stein Smith joins us to share what he says are the three major trends in accounting and finance:

1. Blockchain and cryptocurrencies 2. RPA: Robotic Process Automation 3. Entrepreneurial Angle

Then our panel gets together to discuss how these trends may effect their work in professional services.

For more information, visit the show notes at http://moneytreepodcast.com/236

Traditional thinking, as described by the industry and promoted by media, is to save in retirement accounts and live off of Social Security in your golden years.

Jack Bosch describes this as "The Pile of Money Theory": Work until you are age 65, put 10 percent of your income to the side, and by retirement you will have saved up enough to live without running out of cash.

Jack proposes the "Cash Flow for Life" approach: Money that comes in from the investments you have built such as:

• Dividend stocks • Royalty payments • Business investments • Real estate

Listen as Jack shares his story out of debt, the strategies they used to generate income, and ultimately purchase assets that provide him Cash Flow for Life.

For more information, visit the show notes at http://moneytreepodcast.com/235

Wouldn't it be great if you could trade for a living? Roger Dowd traded for a living and shares his experiences, and warnings, for people who want to follow this path.

Technology has helped redefine the definition of a trader. Roger Dowd says, "Most people who view themselves as traders, if they are doing it right they are actually investors."

He discusses how AI is coming into the space and what we could see in the coming future for investors.

Then Miranda joins Kirk in our panel discussion.

Kirk describes how Investing for a living is a lot like job:

You wake up, assess the markets, put together your buy and sell orders for the day, set limits, etc.

For more information, visit the show notes at http://moneytreepodcast.com/234

Kelly Coughlin from EverydayCPA.com helps us understand investing from an owner/operator aspect, plus shares the 3 Stages when starting a successful business.

For more information, visit the show notes at http://moneytreepodcast.com/how-to-invest-in-a-business-with-kelly-coughlin

When property taxes aren't paid, tax liens can be levied against the property. The liens are then sold to investors.

If the liens are not paid within a certain amount of time, the investor can push to have foreclosure initiated, thus collecting at least the interest and principal of the original investment.

Our guest, Melanie Finnegan of Tax Lien Wealth Solutions, explains there is a difference between a tax lien and a tax deed, and that there are two types of markets: Primary and secondary markets.

To learn more, listen to the interview and stick around for the panel discussion where we learn how tax liens fit into an investment portfolio.

For more information, visit the show notes at http://moneytreepodcast.com/232

The mailbag is full again, so we spent time answering your questions!

Justin asks: Is GM justified with cutting it's workforce when spending more than $10M buying back shares?

Tyler read that buying small cap funds in a taxable brokerage account isn't wise because of capital gains. He has been buying small cap ETFs in a regular brokerage account when earning overtime. Should he be concerned?

CJ has heard that HSAs are the holy grail of retirement investing. They already have great insurance through his wife's government job. Does it make sense to open a high-deductible plan just for the benefit of being able to max out an HSA for retirement purposes?

Antonio understands the benefits of holding investments for the long term but wants to know how to determine the right time to sell.

For more information, visit the show notes at http://moneytreepodcast.com/231

Joseph Hogue and Kirk Chisholm join us again this week as we discuss P2P Lending.

P2P lending, more specifically defined as Peer-to-Peer lending, replaces the position of a traditional bank when it comes to taking out a loan.

P2P sites like Lending Tree and Kiva also matches borrowers to individuals who want to lend out money and earn interest.

Is P2P Lending right for you? What alternatives are there for individuals who want to put their money to work but mitigate some of the risk?

Find out in today's episode.

For more information, visit the show notes at http://moneytreepodcast.com/230

Would you invest in someone else's home?

Using blockchain technology, you could own a portion of someone's home. Or as a home owner, you could sell some of your equity to get some much needed cash without having to pay interest.

Matthew Sullivan from QuantmRE explains how this works and what it can do to diversify your portfolio in a new way.

For more information, visit the show notes at http://moneytreepodcast.com/229

Bitcoin, Etherium, Litecoin, Monero…there are dozens of cryptocurrencies. Barbara Longue says thousands are still to come.

Are cryptocurrencies truly an investable asset? Miranda and Doug get to the bottom of this in today's episode.

What you'll learn today:

• Why is blockchain technology important
• What is cryptocurrency
• What's the difference between Altcoin and Bitcoin

For more information, visit the show notes at http://moneytreepodcast.com/228

You wrote in, and we answered.

Here are some of the topics covered in today's Listener Questions episode:

• Beating the DOW strategy, also known as "The Dogs of the Dow".
• Taking money out of retirement savings to pay off debt.
• Would it have been better to invest rather than pay off the student loan debt after college?
• And a question about how to handle a $70,000 inheritance.

For more information, visit the show notes at http://moneytreepodcast.com/227