Scott and James discuss multiple listener questions regarding tracking 401k contributions, ESPP savings, and investing after getting a late start.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:49 - Listener Question

2:57 - Tax Implications of Retirement Accounts

4:05 - Rollovers: 401(k)s to IRAs (and Roth!)

7:40 - ESPP (Employee Stock Purchase Plan)

10:47 - Risk & Return Correlations

12:41 - When Does It Make Sense to Diversify?

15:37- What Can You Control?

17:54 - Maximizing Social Security

20:36 - When Saving Is More Important Than Compounding

23:07 - Aligning Your Financial Goals

 

LET'S CONNECT!

James

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Scott

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Scott and James discuss how to upsize homes before selling your current home.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

3:28 - Finding Your Dream Home

4:43 - What Information Does A Bank Want?

9:14 - What Funds Should I Use For A Down Payment?

10:30 - Understanding Margin Calls

11:48 - What is a Mortgage Recast?

13:05 - Should I Do A Cash-Out Refi?

16:00 - Balancing Retirement Goals

19:00 - UTMA v. UGMA

22:36 - Strategies to Fund College

23:50 - Aligning Your Financial Goals

 

LET'S CONNECT!

James

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Scott

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Scott and James discuss how to balance retirement income and legacy goals.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

2:51 - Rebalancing

6:05 - Legacy Planning

8:41 - Balancing Cash Preserves

12:19 - Asset Class Variations

18:48 - Estate Planning Opportunities

22:23 - Utilizing Leverage of Time

26:07 - Estate Tax & Gift Tax Penalties

18:54 - Diversification Benefits

30:12 - Aligning Your Financial Goals

 

LET'S CONNECT!

James

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Scott

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Scott and James discuss how to incorporate real estate as part of your retirement plan.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

3:22 - Costs of Real Estate

5:42 - Quantifying Your Real Estate Asset

8:30 - How To Determine If You Should Incorporate Real Estate

10:50 - What Are My Expenses With Real Estate?

13:14 - Alternative Real Estate Ownership Options

16:00 - What Are Your Goals Behind Owning Real Estate?

17:39 - Taxation of Real Estate

18:54 - Diversification Benefits

20:04 - Aligning Your Financial Goals

 

LET'S CONNECT!

James

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Scott

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Scott and James discuss the best way to invest your portfolio throughout retirement.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

2:45 - Target-Date Funds

4:37 - Bucket Strategy v. Total Return

8:21 - What is a Sustainable Withdrawal Rate?

11:54 - Retirement Funds Aren't All Created Equal

14:36 - What Portfolio Mix Is Right For Me?

16:25 - Benefits of Owning Multiple Funds

17:51 - Aligning Your Life With Your Financial Goals

 

LET'S CONNECT!

James

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Scott

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Scott and James discuss how to view your entire financial picture and how you can align it with your financial goals.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

2:30 - Understanding Your Net Worth

6:45 - Stock Market Volatility

9:07 - What Metrics Should I Focus On?

11:18 - Should I Decrease My Net Worth Intentionally?

13:40 - Utilizing Debt

14:09 - Inputs v. Outputs

16:15 - Aligning Your Financial Goals

 

LET'S CONNECT!

James

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Scott

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Scott and James discuss how to prioritize conflicting financial strategies.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

3:02 - Asset Location v. Asset Allocation

5:38 - International Investments

8:21 - Taxation of Retirement Accounts

11:04 - Retirement Account Penalties

14:36 - Focusing On Your Goals

17:31 - Municipal Bond Taxation

20:06 - Importance of Your Time Horizon

21:24 - Aligning Your Financial Goals

 

LET'S CONNECT!

James

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Scott

Facebook Twitter Website

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Scott and James discuss how to invest after maxing everything else out.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

3:52 - Investing In Real Estate

4:45 - How To Use Your Balance Sheet To Achieve Your Goals

8:30 - What Is A Great Rate of Return?

12:15 - What Is Passive Real Estate Investing?

14:30 - Aspects of Real Estate Investing

16:00 - Using Leverage For Real Estate

16:54 - What Are The Risks Of Investing In Real Estate?

20:44 - How To Invest Your Time, Energy & Talent

25:31 - Aligning Your Financial Goals

 

LET'S CONNECT!

James

Facebook LinkedIn Website

Scott

Facebook Twitter Website

ENJOY THE SHOW?

Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.

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Scott and James discuss how how to plan for your goals when you got a late start.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Listener Question

4:53 - Investing In The Market

6:20 - What Is My Time-Horizon?

7:20 - The Power of Consistent Saving 

12:34 - Am I Too Old To Invest Aggressively?

15:35 - What Other Assets Can I Use To Retire?

19:00 - Retirement Expenses Example In Retirement

20:51 - Aligning Your Financial Goals

 

LET'S CONNECT!

James

Facebook LinkedIn Website

Scott

Facebook Twitter Website

ENJOY THE SHOW?

Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.

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Have a money question you want us to answer? Submit one here

Scott and James discuss how to view your entire financial picture and how you can align it with your financial goals.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

2:30 - Gross Income v. Net Income

5:49 - What Percentage Are You Saving?

7:10 - How To Save For Your Different Goals

9:07 - What Is My Saving Rate?

12:18 - Living vs. Spending 

14:47 - How To View Your Taxes

16:54 - What Do I Need To Focus On?

18:55 - Aligning Your Financial Goals

 

LET'S CONNECT!

James

Facebook LinkedIn Website

Scott

Facebook Twitter Website

ENJOY THE SHOW?

Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.

Leave us a review on iTunes.

Have a money question you want us to answer? Submit one here