In this episode of The Penny & The Pint, John Shea and Brendan O’Brien (the “Old Irish Guys”) continue their Net Worth & Chill series by tackling the "heavy" but essential topic of financial safety nets.

While discussing New Year’s resolutions and the creative "February solution," the guys dive into the building blocks that help you sleep at night: emergency funds, insurance policies, and protecting your family’s future.

Highlights from this episode include:

• The "Resolution Solution": Why Brendan is skipping January resolutions in favor of a February start.
• The "Oh Shit" Jar: Why your emergency fund should be a "safety first" account (think 3–6 months of core expenses) rather than an investment.
• The Insurance Audit: Practical advice on reviewing your homeowners and car insurance, including why you should "jack up" your liability coverage.
• The "I Love You" Gift: A primer on Life Insurance—comparing Term vs. Whole Life and how to calculate what your family truly needs to maintain their lifestyle.
• Local Flavor: A special shoutout from Kevin Lynch of SouthBMore.com on staying connected to the South Baltimore community.

Our "Marching Orders" for this week: Calculate your core expenses, review those dusty insurance policies in your file cabinet, and have the tough—but necessary—conversation with your partner about your family's safety net.

Have a question for the Old Irish Guys? Visit us at OldIrishGuysFinancial.com or email us at [email protected].

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.