EPISODE RESOURCES

Life Insurance Needs Questionnaire

What Is Umbrella Insurance?

Goals and Behaviors Questionnaire

Top Sites to Manage Your Finances

10 Easy Financial Wins to Start Your New Year Right

In this episode of the New Money, New Problems podcast, we share 10 straightforward financial tips to kickstart 2026. Starting with automation, we explain the benefits of setting up automated transfers for savings and investments. We then cover the importance of things like reviewing and shopping for insurance, defining and structuring emergency funds, planning for financial surpluses and contingencies, scheduling that one financial task you've been putting off. 

Come hear these financial strategies that help establish better financial habits and achieve their financial goals.

00:00 Introduction to Financial Wins
02:14 Automate Your Finances
06:07 Insurance Essentials
09:28 Emergency Reserves Strategy
11:17 Beneficiary and Estate Planning
12:50 Eliminate Unnecessary Bills
15:15 Transparent Financial Conversations
18:13 Understanding Your Pay Stub
20:05 Setting Financial Alerts
23:03 Planning for Surpluses and Contingencies
25:58 Taking Action on Financial Goals
28:24 Conclusion and Next Steps

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Reflecting on 2025: Lessons Learned and Highlights from New Money, New Problems

In the final episode of 2025, we reflect on the challenges faced during a helluva year.

Despite these hardships, we had some fun along the way. 

This episode revisits key moments, such as Leonard Black's journey from corporate America to franchise ownership, Seth Godin's valuable advice on trading time for meaningful change, and Naseema's story of overcoming limiting beliefs about wealth. 

Join us for some of our favorite moments from 2025!

00:00 Introduction and Reflections on 2025
01:08 Celebrating Wins and Favorite Moments
02:10 Leonard Black's Entrepreneurial Journey
05:38 Insights from Seth Godin
11:28 Naseema's Wealth Creation Journey
15:58 Tony Collier's Financial Wisdom
21:26 Looking Forward to 2026

EPISODE LINKS

Toni J. Collier's Money Story

Seth Godin on New Money New Problems

Naseema's Money Story

Leonard's Pivot to Entrepreneurship

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EPISODE RESOURCES

ESLD Guide to Income Driven Repayment Plans

SAVE Settlement Details

Navigating the End of the SAVE Plan: What's Next for Your Student Loans?

In this episode we talk the end of the SAVE Repayment plan and explore the implications for borrowers. Find out who benefits from different Income Driven Repayment (IDR) plans and the importance of immediately switching plans for those eligible for forgiveness. Between alternative IDR plan options, changing federal policies, and important deadlines, this episode equips listeners with crucial information to make informed financial decisions regarding their federal student loans.


00:53 Impact of the SAVE Repayment Plan Ending
03:17 Settlement and Forgiveness Credits Updates
06:53 Options for Switching Income Driven Repayment Plans
15:55 Urgent Actions for Forgiveness Eligibility
21:15 Conclusion and Future Updates

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Not everyone wants to spend their entire day trying to hack their credit card rewards. But that doesn't mean there aren't a few tips you can use to maximize your cards and save money and time.

EPISODE RESOURCES

Top Credit Card Partner Programs

https://www.forbes.com/advisor/credit-cards/guide-to-major-credit-card-rewards-programs/ 

01:08 Maintaining Your Credit Score

03:54 Optimizing Credit Utilization

05:54 Lowering Credit Card Fees

08:47 Credit Card Hacks and Offers

11:18 Travel Rewards and Perks

14:46 Maximizing Travel Points

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EPISODE RESOURCES

Buy Toni's New Book

From Trauma to Triumph: The Inspiring Journey of Toni Collier

In this episode we dive deep into the life and money story of Tony Collier. Toni shares her journey from a challenging childhood to building a global ministry that has touched millions. She opens up about her personal traumas, including a very public divorce, and how these experiences have shaped her approach to life, ministry, and financial stability. Toni shares how in spite of her trials, her resilience and entrepreneurial spirit that have helped her rebuild and thrive. She also talks about her new book, 'Don't Try This Alone,' which focuses on the importance of community in the healing process. We hope you enjoy the conversation!


01:25 Meet Toni
01:42 Toni's Early Life and Challenges
07:31 Navigating Adolescence
11:00 College Years and Career Aspirations
12:04 Entering Ministry
14:17 Public and Private Trauma
18:16 Healing and New Beginnings
21:12 The Power of Vulnerability in Writing
22:27 Financial Struggles Amidst Personal Trauma
25:16 Rebuilding After Financial Devastation
30:21 Childhood Influences on Financial Mindset
34:20 Unexpected Benefits of Transparency
36:55 Toni's Multifaceted Career and Future Plans
37:47 Final Reflections and Personal Insights

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Check out this (still relevant) blast from the past!

Why the Holidays Are a Bad Time to Discuss Finances with Family

In this episode of the New Money, New Problems podcast, we explore why the holiday season may not be the ideal time to discuss finances with family. Drawing from personal experiences and professional insights, we explains the common pitfalls and emotional triggers that can derail these sensitive conversations during family gatherings. Instead, we offer a strategic approach to planning these discussions effectively by separating parties into two camps – the planning generation and the potential beneficiaries – and setting clear parameters and dates for future conversations. This episode aims to provide listeners with tools to navigate these complex financial topics while minimizing conflict and ensuring peace of mind for all family members.

00:00 Introduction: Why Holidays Aren't Ideal for Financial Talks
00:07 Podcast Overview and Host Introduction
00:46 Setting the Scene: Holiday Season and Financial Conversations
01:21 Common Financial Advice and Its Limitations
02:13 Personal Experiences with Family Financial Discussions
03:45 Challenges of Discussing Finances During Holidays
04:29 Rethinking Holiday Financial Conversations
10:08 Planning for Future Financial Conversations
11:26 Steps to Prepare for Financial Talks with Family
15:50 Addressing Elder Generations About Financial Planning
19:20 Conclusion: Importance of Financial Preparedness

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EPISODE RESOURCES

Principal Samuelson's Business Insider Feature

Preparing Children for College and Beyond: A Conversation with Principal Joseph Samuelson

In this episode, we talk about exposing your kids to different paths, including ones that may NOT lead to college. We're joined by Principal Joseph Samuelson from Upton, Wyoming, who offers unique perspectives on exposing students to various career options, including non-traditional paths. 

Principal Samuelson details his school’s personalized learning approach, which tailors education to individual student interests and needs, ensuring students are prepared for life after high school. The episode highlights the significance of valuing lifelong learning and adaptability in an ever-changing world.

00:00 Introduction: Preparing Your Child for College and Beyond
00:48 Reflecting on Past Conversations and Future Prospects
01:08 Exploring Alternatives to Traditional College Paths
03:02 Introducing Principal Joseph Samuelson
04:21 Principal Samuelson's Approach to Personalized Learning
04:53 Implementing Non-Traditional Pathways
06:58 Balancing College and Career Readiness
13:46 Parental Guidance and Future Outlook
18:20 Conclusion and Final Thoughts

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EPISODE RESOURCES

Smart College Buyer Podcast

Connect with Jack

Optimizing Your Child's College Journey with Jack Wang

In this episode of the New Money, New Problems podcast, we interview special guest Jack Wang, a financial advisor specializing in college planning. 

Jack discusses strategies for optimizing your child's journey to college, focusing on how to maximize financial aid and minimize student debt. The conversation covers the importance of aligning extracurricular activities with intended majors, the differences between getting accepted to college and securing financial aid, and the timing of college planning. 

We also explore the advantages of less well-known but excellent colleges and the factors to consider when choosing schools. This episode is packed with valuable information for parents looking to plan their children's educational futures effectively.

00:00 Introduction: Navigating Schooling Costs
01:42 Special Guest Introduction: Jack Wang
04:06 Jack's Journey into College Aid Specialization
06:10 Understanding College Admissions and Aid
14:01 Public vs. Private School Strategies
24:33 When to Start College Planning
30:51 Creating a Realistic College List
36:33 Alternative College Options and Financial Strategies
42:13 Conclusion and Contact Information

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EPISODE RESOURCES

2025 Tax Tables and Guidelines

Essential End-of-Year Tax Planning Tips for Employees

In this episode, we delve into crucial end-of-year tax planning strategies specifically tailored for W2 employees aiming to optimize their finances before the new year. We cover the importance of proper withholding to prevent unexpected tax bills, highlights the impact of bonuses and equity compensation on taxes, and illustrates how the Social Security bonus can help mitigate underpayments. 

The episode further explores calendar year vs. tax year deadlines for retirement contributions and employee benefits, along with strategic charitable giving under recent tax law changes.

02:22 Understanding Withholding and Its Impact
04:14 Strategies for High-Income Earners
07:23 Social Security Bonus and Tax Benefits
13:11 Maximizing Charitable Contributions
18:03 Filling Up Lower Tax Brackets
20:33 The Importance of Professional Tax Help

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