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In this episode, we dive into the fascinating world of behavioral investing with Rick, a financial advisor from Dallas who specializes in helping people make smarter money decisions. But forget boring investment talk - this episode is all about understanding how our emotions and actions affect our financial success.

Think of it like sports: Having the best equipment helps, but what really matters is how you use it. Rick explains that the same goes for money - it's not just about picking good investments, but about sticking to your game plan even when things get tough.

Throughout the episode, Rick emphasizes that financial success isn't just about math - it's about building good habits and staying committed to your goals, even when it's challenging. 

00:00 Introduction and Guest Background

01:27 Understanding Behavioral Investing

05:20 The Impact of Fear on Investing

10:20 Principles for Successful Long-Term Investing

15:05 Tax Management Strategies

18:26 Developing a Stronger Behavior-Based Approach

22:41 Final Thoughts and Action Steps

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In part three of the Retirement 101 series, the focus is on creating an estimated retirement budget. The episode guides listeners through important steps such as identifying recurring expenses, recognizing what costs will decrease post-retirement, and planning for new expenses like medical premiums. 

It also explains how to calculate your annual expenses and retirement savings gap. The importance of consistent retirement savings and strategies for auditing and simplifying current expenses to better align with retirement goals are discussed.

00:58 Recap of Parts One and Two

01:49 Preparing for Retirement: 2-3 Years Out

02:16 Creating an Estimated Retirement Budget

03:06 Understanding and Adjusting Expenses

08:01 Estimating Retirement Income

09:04 Defining Your Retirement Savings Gap

13:32 Strategies for Closing the Savings Gap

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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In this episode, Steve Selengut, a seasoned investor and income coach, shares his journey from growing up in an investment-oriented community to retiring with over $110 million under management. Steve emphasizes the importance of multiple income streams, the value of taking profits, and building an income-focused portfolio. 

Listeners will learn about the six principles of investing discussed in Steve's book 'Retirement Money Secrets' and gain actionable insights on how to assess and enhance their portfolios. Whether you're new to investing or looking to optimize your retirement income, Steve provides practical advice and strategies for achieving financial independence.

00:00 Introduction 

00:17 Early Investment Journey

01:32 Developing a Trading Strategy

02:56 Transition to Professional Management

05:09 Becoming an Income Coach

05:18 Income Independence Explained

07:08 Coaching Approach and Client Fit

11:19 Advice for Listeners

15:26 Book Overview and Key Principles

21:04 Final Thoughts and Contact Information

Connect with Steve:

The Income Coach

Retirement Money Secrets Book

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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This episode is Part 2 of the retirement series and today we’re focusing on gaining clarity and confidence as you approach your retirement, specifically if you are five years away. I will discuss the importance of tackling high-interest debt, understanding risk tolerance, and resolving any fears or doubts you may have regarding retirement. 

Learn how to manage your debt, assess your risk tolerance, and create a positive relationship with your finances. This episode is part of a four-part series designed to help you prepare efficiently for retirement.

00:47 The Purpose of the Series

02:24 Gaining Clarity and Confidence

02:56 Tackling Debt Before Retirement

07:11 Assessing Risk Tolerance

11:10 Addressing Retirement Fears and Doubts

14:52 Continuous Learning and Growth

Resources Mentioned in the Episode:
Five Ways to Get Out of Debt Without Sacrificing The Joys of Life

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today!

Today’s guest interview is with David Kerlin, an expert on Medicare and health insurance, about his journey from a manufacturing career to becoming a trusted Medicare advisor. 

David shares his personal health transformation and his extensive experience in Medicare, addressing common misconceptions such as the belief that Medicare is free and explaining the differences between Medicare Supplement and Medicare Advantage plans. He emphasizes the importance of evaluating individual medical needs, starting the Medicare enrollment process early, and consulting trusted advisors. 

00:25 David's Journey with Weight and Health

01:37 First Encounter with Medicare

02:38 Understanding Medicare Costs and Plans

04:47 Choosing the Right Medicare Plan

10:01 Open Enrollment and Plan Changes

12:24 Common Misconceptions and Advice

13:26 Navigating Medicare with Professional Help

Connect with David:

Facebook

Email David

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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Let’s build the foundation your retirement dreams deserve, one step at a time.

This episode kicks off my brand new Retirement Planning Series, a four-part journey to help you move from financial uncertainty to a clear and confident path forward.

We’re starting with the essential first steps:

✅ Tracking your expenses

✅ Building an emergency fund

✅ Starting or growing your retirement savings

If you’ve ever wondered what are sinking funds, how to get started with retirement savings planning, or why tracking expenses matters so much, you’re in the right place. I’ll walk you through practical, doable actions to start building your retirement-ready foundation today.

Inside this episode, we’ll explore:

• Why tracking your expenses is non-negotiable for financial clarity
  
  
• The real answer to what are unexpected expenses and how to prepare
  
  
• How sinking funds can protect your future (and your peace of mind)
  
  
• Simple ways to begin or boost your retirement savings

Whether you’re just getting serious about retirement or you’re cleaning up your finances to make your dreams a reality, this episode is your starting line.

Press play and let’s simplify the first phase of your retirement savings planning.

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Download the Retirement Readiness Checklist now to take the first step toward a clear and confident retirement plan!


In this episode, I interview Lauren Klein, a trust and estates attorney, to uncover the intricacies of estate planning. My favorite part of the episode was when she shared how to take action. I think we overcomplicate everything about estate planning. This episode is for you if you’ve been meaning to take action.

Tune into the episode for expert guidance on protecting and managing your assets effectively.

00:00 Introduction and Background

01:57 Common Misconceptions in Trusts and Estates Planning

04:34 Key Considerations for Setting Up a Trust

07:55 Choosing the Right Person for Estate Roles

12:17 Managing Financial Gaps and Debts

17:23 Avoiding Common Estate Planning Mistakes

20:15 Effective Communication with Family

23:53 How to Vet an Estate Planner and Getting Started

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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Grab the free Retirement Ready Checklist to begin your retirement planning journey

This episode is a re-release of episode 001 My Story & How I Was Able to Retire Early at 50.

In this episode, I share my personal money journey about how I was able to retire at the age of 50 and eventually became a financial coach. 

My journey story starts with me sharing about my ‘aha moment’ at age 35 realizing the possibility and then how I navigated my retirement journey to make it possible. A few highlights of the journey and turning points were paying for college, aiding family, navigating financial challenges, and ultimately finding their passion in helping others achieve financial wellness through coaching. 

00:36 The Aha Moment

02:17 Early Career and Education

06:21 Pursuing Higher Education

08:55 Financial Challenges and Strategies

12:45 Retirement Decisions

15:48 Becoming a Money Coach

18:40 Entrepreneurship Journey

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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Join the Financial Freedom Accelerator and create your personalized roadmap to retirement!

In this episode, I dive into the importance of reflection and forward planning. As Gen Xers edge closer to retirement, surveys highlight a widespread lack of preparedness within our generation. Together, we’ll explore how reflecting on past achievements, learning from challenges, and setting meaningful goals can pave the way for a fulfilling and secure future.

Learn the importance of creating a retirement dream that includes great experiences, seasonal activities, and everyday plans. 

Be sure to download the retirement readiness checklist and tune in for an upcoming series to support action with this list!

00:40 Gen Xers Approaching Retirement

02:39 Challenges in Retirement Planning

04:27 Reflecting on the Past Year

07:12 Projecting for the New Year

11:43 Creating Your Wealth Dream

16:49 Here We Come 2025

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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Join the Financial Freedom Accelerator and create your personalized roadmap to retirement!

In this episode of the Wealthy After 40 podcast, my guest is Noelle Fowler, a holistic declutter coach. She specializes in helping busy women simplify their lives by addressing the root causes of clutter. 

She shares her journey from organizing during the pandemic to becoming a professional organizer and eventually a decluttering coach. Touching on topics such as sentimental items, downsizing, and the importance of starting small, Noelle provides actionable advice for managing clutter. 

The episode also highlights the benefits of her Making Room Membership, an online community for women seeking to declutter their homes and make room for what matters most.

01:02 Noelle's Journey to Decluttering

03:39 First Steps to Decluttering

05:35 Handling Sentimental Items

15:09 Downsizing and Decluttering

24:13 Membership and Final Thoughts

Be sure to connect with Noelle!

Instagram

Other Resources

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey