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In today's episode, Chris and Danny discuss the newly proposed 50-year mortgage and what it could mean for homeowners and the housing market. While a 50-year loan could lower monthly payments, it may not be worth the trade-offs, such as slower equity growth, higher lifetime interest costs, and greater resale and refinancing risks. Chris and Danny also examine the “perfect math” argument for investing the savings instead, and why real-world factors often make that theory harder to follow. This is an interesting discussion you don't want to miss!

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Support the Show:
patreon.com/TheFinancialPhilosophers

If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers

To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel.

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This podcast is for informational purposes only and should not be considered or regarded as personalized investment or financial advice. All opinions expressed by Chris, Danny, and any guests are solely their own opinion. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided from this program (including any information that may be accessed through this website) is not directed at any individual, investor, or category of individuals or investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities.

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In today's episode, Chris and Danny dig into the truth about tax deductions, what they are, why they matter, and how they can sometimes be overrated. Too often, people chase deductions without realizing they’re spending a dollar just to save a few cents. We share real-world examples, like the business owner who buys a new car every year “to beat the tax man,” and unpack why that strategy (or others similar to it) can actually shrink your net worth. You’ll learn the difference between good deductions that truly align with your financial goals and bad ones that only look good on paper. If you’ve ever wondered whether your tax-saving moves are really helping you build wealth, this episode is for you.

Support the show

Support the Show:
patreon.com/TheFinancialPhilosophers

If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers

To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel.

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This podcast is for informational purposes only and should not be considered or regarded as personalized investment or financial advice. All opinions expressed by Chris, Danny, and any guests are solely their own opinion. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided from this program (including any information that may be accessed through this website) is not directed at any individual, investor, or category of individuals or investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities.

Send us a text

In today's episode, Chris and Danny focus on the core characteristics of every investment. From liquidity and guarantees to predictability and control, they break down how different assets behave on a fundamental level. No matter what type of assets you are considering, this episode will help you think more clearly about where and why you allocate your capital, before you ever worry about returns. 

Support the show

Support the Show:
patreon.com/TheFinancialPhilosophers

If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers

To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel.

--------------------------------------------------------------------
This podcast is for informational purposes only and should not be considered or regarded as personalized investment or financial advice. All opinions expressed by Chris, Danny, and any guests are solely their own opinion. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided from this program (including any information that may be accessed through this website) is not directed at any individual, investor, or category of individuals or investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities.

Send us a text

In today’s episode, Chris and Danny discuss the government shutdown, its potential impact on your finances, and practical steps you can take to navigate the situation. Don’t lose hope, as there are always solutions to explore!

Support the show

Support the Show:
patreon.com/TheFinancialPhilosophers

If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers

To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel.

--------------------------------------------------------------------
This podcast is for informational purposes only and should not be considered or regarded as personalized investment or financial advice. All opinions expressed by Chris, Danny, and any guests are solely their own opinion. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided from this program (including any information that may be accessed through this website) is not directed at any individual, investor, or category of individuals or investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities.

Send us a text

In today's episode, Chris and Danny discuss the importance of intentional spending and prioritizing quality over quantity. Much of financial planning focuses on being frugal, spending less, and saving more. However, it's equally important to remember that we live in the present and shouldn't ignore our deeply held life goals. Sometimes, this mindset can feel counterintuitive or seem at odds with our current financial planning objectives.

Tune in to hear how to strike the right balance between smart financial planning and living a fulfilling life. You won't want to miss this conversation!

Support the show

Support the Show:
patreon.com/TheFinancialPhilosophers

If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers

To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel.

--------------------------------------------------------------------
This podcast is for informational purposes only and should not be considered or regarded as personalized investment or financial advice. All opinions expressed by Chris, Danny, and any guests are solely their own opinion. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided from this program (including any information that may be accessed through this website) is not directed at any individual, investor, or category of individuals or investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities.

Send us a text

In today's episode, Chris and Danny discuss the current challenging vehicle market, and how one can better navigate the process of buying a car. Topics discussed include: current interest rates, vehicle prices, strategic down payment strategies, new vs. used vehicles, the influential psychology of car sales tactics, common pitfalls to be aware of, and many other nuanced factors to consider. This is an episode you don't want to miss!

Support the show

Support the Show:
patreon.com/TheFinancialPhilosophers

If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers

To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel.

--------------------------------------------------------------------
This podcast is for informational purposes only and should not be considered or regarded as personalized investment or financial advice. All opinions expressed by Chris, Danny, and any guests are solely their own opinion. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided from this program (including any information that may be accessed through this website) is not directed at any individual, investor, or category of individuals or investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities.

Send us a text

In today’s episode, Chris and Danny discuss the new Tips Deduction that was introduced as part of the One Big Beautiful Bill Act. How does this new deduction work? What are the important rules to be aware of? What are the limitations? Does this new deduction make certain part-time jobs more attractive? This episode will answer these questions, and more! 

Support the show

Support the Show:
patreon.com/TheFinancialPhilosophers

If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers

To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel.

--------------------------------------------------------------------
This podcast is for informational purposes only and should not be considered or regarded as personalized investment or financial advice. All opinions expressed by Chris, Danny, and any guests are solely their own opinion. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided from this program (including any information that may be accessed through this website) is not directed at any individual, investor, or category of individuals or investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities.

Send us a text

In today’s episode, Chris and Danny finish their discussion around the new tax legislation (i.e., The One Big Beautiful Bill Act). 

In this third episode, they unpack several additional key updates: changes made to student loans and borrowing restrictions, expansion of the 529 plan, changes to AMT, Section 168 Bonus Depreciation for business owners, and the increase and permanence of the estate & gift tax lifetime exemption. 

This episode aims to provide a clear overview, not personalized tax advice. Tax changes can be complex and may affect individuals differently depending on income, filing status, and other eligibility factors. Consult with a tax professional before making any important tax decisions. 

Support the show

Support the Show:
patreon.com/TheFinancialPhilosophers

If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers

To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel.

--------------------------------------------------------------------
This podcast is for informational purposes only and should not be considered or regarded as personalized investment or financial advice. All opinions expressed by Chris, Danny, and any guests are solely their own opinion. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided from this program (including any information that may be accessed through this website) is not directed at any individual, investor, or category of individuals or investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities.

Send us a text

In today’s episode, Chris and Danny continue their discussion around the new tax legislation (i.e., The One Big Beautiful Bill Act). 

In this second episode, they unpack several additional key updates: the expansion of the QBI deduction, expansion of the child tax credit, increased contribution limits to child and dependent care FSAs, and important changes to the premium tax credit for health insurance premiums. 

This episode aims to provide a clear overview, not personalized tax advice. Tax changes can be complex and may affect individuals differently depending on income, filing status, and other eligibility factors. Consult with a tax professional before making any important tax decisions. 

Support the show

Support the Show:
patreon.com/TheFinancialPhilosophers

If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers

To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel.

--------------------------------------------------------------------
This podcast is for informational purposes only and should not be considered or regarded as personalized investment or financial advice. All opinions expressed by Chris, Danny, and any guests are solely their own opinion. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided from this program (including any information that may be accessed through this website) is not directed at any individual, investor, or category of individuals or investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities.

Send us a text

In today's episode, Chris and Danny begin a two-part series exploring what’s inside the new tax legislation (i.e., The One Big Beautiful Bill Act) that's been making headlines.

In this first episode, they unpack several key updates: the permanent extension of the TCJA tax brackets, a modest bump in the standard deduction, and notable changes to itemized deductions—including a higher SALT cap, newly deductible private mortgage insurance (PMI), and an adjusted charitable giving threshold. They also touch on a new group of below-the-line deductions, like those for tips, overtime, auto loan interest, and enhanced deductions for seniors.

This episode aims to provide a clear overview—not personalized advice. Tax changes can be complex and may affect individuals differently depending on income, filing status, and other eligibility factors. This episode is all about laying the groundwork for understanding what’s changed and what might be worth a closer look.

Let’s dive in!

Support the show

Support the Show:
patreon.com/TheFinancialPhilosophers

If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers

To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel.

--------------------------------------------------------------------
This podcast is for informational purposes only and should not be considered or regarded as personalized investment or financial advice. All opinions expressed by Chris, Danny, and any guests are solely their own opinion. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided from this program (including any information that may be accessed through this website) is not directed at any individual, investor, or category of individuals or investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities.