The Financial Operator

In this special episode of Mills Knows Bills, Mills' teammate Steffany Medina answers some common questions about planning for your retirement and financial future. Steffany unpacks some of the basic budgeting tricks that you can use to both forecast and maximize your return on investments, IRA yields, and interest-bearing accounts.

Steffany also walks listeners through getting started with a budgeting calculator while also addressing questions about reducing your tax liabilities and what financial tools are available to help you make the most out of your retirement accounts and investments.

Planning for your future can seem like a daunting task, but in this episode we discover that taking some simple steps and the beginning of your journey can go a long way towards giving you peace of mind about your future and the future of your family!

Topics Include:

• Planning for Your Retirement
• Maximizing Your 401K
• Reducing Tax Liabilities
• Navigating a Budgeting Calculator
• Diversifying Your Investments

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Budgeting Calculator Link: https://www.calculator.net/finance-calculator.html

Schedule a call with Steffany: https://calendly.com/millsknowsbills-steffany/15min-1?back=1&month=2022-07

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This week we're doing something different! We're bringing you a replay of Mill's interview on Mike'D Up! with Mike DiCioccio. Mills shares her story of creating Mills Knows Bills and unpacks important info on common financial planning that wasn't taught in school!

EVERYONE tuning in will benefit from this interview…because there's a 100% chance that you fall into one of these buckets…either you WANT to get your money right…you NEED to get YOUR money right…or your money is FLOWING and you want to keep it GROWING.

Enjoy this replay!

Full Interview on YouTube:

https://www.youtube.com/watch?v=4yHsTysNbSg

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Follow Mike: https://linktr.ee/mikedicioccio

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Produced by: https://socialchameleon.us/

In this episode of Mills Knows Bills, Mills continues to offer valuable guidance on preparing for an uncertain financial landscape. In last week's episode, we covered how to recession-proof your finances. This week, Mills explains how to structure your budget and finances in a way that ensures you are doing everything you can to protect your future.

Mills covers how to form and structure a budget that takes the essentials into account while ensuring proper allocation of debt payments as well as discretionary income. In addition, Mills covers the basics to consider while paying off debt and making choices for building up your emergency fund while beginning to invest more so your money is truly working for you!

Topics Include:

• Defining Mandatory Expenses
• Structuring a Proper Budget
• Small Steps for Paying off Debt
• Defining Discretionary Income
• Proper Saving for Investments

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In this episode of Mills Knows Bills, Mills shares 5 easy to implement tips for recession-proofing your finances while the financial markets have been anything but stable over the past year. As the country and world continue to struggle with the lingering effects of the pandemic, supply chain issues, and rising inflation, many consumers are tightening their belts in anticipation of a possible recession.

In this episode, Mills lays out some basic steps that can be taken to avoid financial calamity regardless of market realities. Mills covers some of the basic tenets of budgeting while explaining why simply saving your money is not always the best way to see a maximum return on your hard earned money.

Regardless of your financial status or the status of the economy, this episode is a must listen for those wanting to put measures in place to protect themselves in the uncertain waters that we may be sailing into in the months and years to come!

Topics Include:

• The Vital Nature of Budgets
• The Importance of Emergency Funds
• How Insurance Can Mitigate Risk
• How Investing Can Outpace Inflation

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In this episode of Mills Knows Bills, Mills challenges listeners to begin dreaming, and preparing for the financial life that they want and not the financial life they currently have. Mills guides us through the basic fundamentals of setting yourself up for success by breaking down some of the steps she has implemented in her own business over the past few years.

Mills shares how through the use of detailed goal tracking and knowing your numbers you can begin to break down milestones and achievements that begin to show a more clear and achievable path towards success and get yourself off of the hamster wheel of surviving every day only wishing for the financial future you deserve.

Topics Include:

• Planning for Your Future
• The Importance of Budgeting
• Breaking Down Financial Goals
• The Fundamentals of Goal Tracking

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In this episode of Mills Knows Bills, Mills continues to educate listeners about both the basics and the sometimes elusive details of income taxes. Mills shares key moments from a webinar hosted for Small Business Owners and Self-Employed workers. In addition, she continues to illuminate and instruct listeners on the fundamentals of income taxes and how to properly prepare for tax season.

Topics Include:

• The Reality of Income Taxes
• How Income Taxes Are Calculated
• Budgeting For Income Tax
• Saving on Your Income Taxes
• Understanding Tax Brackets

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In this episode of Mills Knows Bills, Mills welcomes tax expert Barbara Schreihans to the podcast to unpack some key tax strategies for self-employed workers and small business owners. Barbara is the founder of Your Tax Coach, a boutique tax accountancy and tax strategy firm for US-based entrepreneurs and online business owners whose mission is to save business owners money on their taxes while helping them strategize and plan for the future.

Barbara and Mills unpack the various types of tax liabilities and formations of tax structures while explaining the difference between an LLC, C-corp, and S-corp business. In addition to exploring various business structures, Barbara also explains the vital importance of planning ahead for tax season and how having a highly trained, professional bookkeeper can make all the difference when it comes to saving thousands of dollars in state, federal, and payroll taxes.

If you're a small business owner or self-employed, this is a must listen episode for you! Avoid amateur mistakes and take the first step towards securing a healthy future for you and your business by listening to an expert and ensuring that your business is paying the absolute minimum in taxes, beginning today!

Topics Include:

• Understanding the Different Types of Tax
• C-corp vs. S-corp Structures
• The Importance of Good Bookkeeping
• Maximizing Your Potential Write Offs
• Understanding Your States Tax Policies

Follow Barbara:

Your Tax Coach Website: https://www.yourtaxcoach.biz/

Instagram: https://www.instagram.com/yourtaxcoach/?hl=en

Write Off Your Life Courses: https://www.yourtaxcoach.biz/courses

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In this special Memorial Day micro-pod, Mills shares a small bit of advice on retirement planning and the importance of the 4% rule when it comes to saving and investing for your future. Oftentimes it can be confusing and overwhelming to think about how much money one needs to save in order to live the lifestyle they want during retirement.

Mills shows how by planning ahead and using this simple 4% rule of thumb you can prepare for the future while knowing almost precisely what you need to save in order to achieve your dreams and keep enjoying backyard barbecues and Memorial Day gatherings with family and friends well into your retirement years and beyond!

Topics Include:

• Rules of Thumb for Retirement
• Calculating Retirement Cost
• The Importance of Retirement Planning
• Retirement on Your Terms

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In this episode of Mills Knows Bills, Mills shares with listeners a Q&A session that she conducted on Instagram Live centered around the importance of developing and sticking to a budget that works well for you.

In this Q&A, listeners submitted a variety of questions ranging from starting a budget to avoiding unnecessary spending by using a budget as a guideline for proper spending and saving.

Mills also addresses some of the most common challenges that individuals and families face who might be developing or implementing budgets for the first time while also addressing a variety of additional financial tips.

Topics Include:

• The Importance of Budgeting
• How to Begin Making a Budget
• Avoiding Unnecessary Spending
• Developing Healthy Saving Habits
• How Higher Education Impacts Budgets

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In this episode of Mills Knows Bills, Mills continues the themes from Episode 37 by exploring further comparisons between personal finance and personal fitness. Mills lays out 4 major similarities of both practices beginning with the importance of developing both financial and physical guidelines that focus not on restrictive measures, but instead emphasize sustainable and attainable habits.

Mills then goes on to break down the importance of consistency in both disciplines and how being consistent in our budgets and fitness is far more important than trying to be perfect. Along similar lines, she then explores how dedication to a given discipline actually creates the motivation to continue.

In conclusion, Mills reminds us of the importance of celebrating the small victories in our lifestyle choices and how taking the long-term view of both your financial and physical health is always the most effective way to generate truly lasting results.

Topics Include:

• The Similarities of Fitness and Finance
• Restricted Versus Sustainable Lifestyles
• Consistency Compared to Perfection
• How Dedication Creates Motivation
• The Importance of Celebrating Small Wins

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