Talking Cents

Teresa. Chad. Ask us anything! We've your questions on deck for this episode: Should I start my 401k in a Roth or pre-tax if my employer offers both? If I'm investing in my 401k and HSA, what am I missing by skipping the IRA? How should a 21-year-old who's starting to invest manage risk? If you've got questions of your own, send them to me at show@getreadyforthefuture.com ! And don’t forget to che...

Which is better: dollar cost averaging or lump sum investing? It depends! Brandon, a paraplanner in our West Little office, is joining me as we look at the pros and cons of these options and which one might be right for you. 6 Keys to Financial Independence  

If you're in your 30s, retirement might seem like a LONG way off. Brian joins me in this episode as we look at some misconceptions and obstacles you might face when getting started early. But if you start early, your future self will thank you for it! 6 Keys to Financial Independence  

TikTok has become a popular source of financial advice and tips. But is it a good source? Alec Daril, an advisor on our Conway team, joins me in this episode as we take a critical look at the advice peddled by these "finfluencers."

When you're thinking about meeting with a financial advisor, where do you start? What do you look for? In this episode, I'm sharing a bit of my journey in becoming a financial advisor, as well as red and green flags to look out for in your search for an advisor who's right for you. 6 Keys to Financial Independence   TC124 We Need to Talk   Broker Check  

In the final episode of a three-part series about insurance, Ryan Evans with Wayfinder Insurance is walking us through umbrella policies. What are they? And how can they help protect your assets?

In part two of our insurance series with Ryan Evans of Wayfinder Insurance, we're looking into auto insurance! What does "full coverage" really mean? And spoilers ahead: replacing your vehicle is NOT your greatest risk if you have the misfortune of an auto accident.

This is the first of a three-part series on insurance. And for that, I'm bringing back Ryan Evans with Wayfinder Insurance. In this first episode, Ryan brings some cautionary stories from his time in the industry. And why it's important to have a relationship with someone who can walk you through the complexities of the insurance world so you can protect your hard-earned assets.

We're answering YOUR questions in this episode of Talking Cents. Chad is joining me as we take a look at: Is there a version of an IRA for self-employed people? Is it a good idea to use some of the funds from my previous employer plan to pay off debt? What do I need to know if my parents want to gift me stocks/mutual funds and add me to their bank account? And if you've got questions, send them to...

There are a lot of tools out there to help people prepare their taxes, but there are times when it's best NOT to do it yourself. Chad's joining me as we dive into scenarios where it might be best to have the help of a professional so you can make the most out of tax season. 6 Keys to True Financial Independence

Planning to buy a home in the future? Then I've got some information you want to know! Joining me is special guest Trey Hooten with First Trust Home Loans. We're looking at three things that could trip you up when looking into a mortgage.

You might not need to talk with your advisor very often, but there are definitely life events you should let them know about! Chad Roller is with me on this episode as we go over seven times you should reach out to your advisor to help you navigate some of life's complexities. 6 Keys to Financial Independence

What's the worst financial advice you've heard? Brian's in the hot seat again on this episode and we're taking a look at some truly terrible financial advice we've found on the internet so you know what NOT to do.

Fear and debt have led to a financial crisis where many aren't investing in their future. The antidote to fear? Education. I'm joined by Chad Roller as we take a look at what you can do if you're in a financial crisis so you can start making progress today on your journey to true financial independence. 6 Keys to True Financial Independence  

Did you know that bonuses and extra contributions can negatively affect your plan? What?! Brian is with me in this episode as we dive into the details of how to make the most out of your 401(k) plan and company match so you don't miss out on free money! 6 Keys to Unlocking Financial Independence  

It's important to count both the short-term AND long-term costs of buying a home! Chad is joining me on this episode as we break down the essentials about mortgages that you need to know so you can make an informed financial decision.

We're looking at efficiencies this week, and how they can help (or hurt) your personal finances. Chad Roller is joining me again as we try and find a balance between the good and the bad with today's modern financial tools.

The Secure 2.0 Act was passed in 2022, but some new rules didn't go into effect until this year. Chad Roller is joining me as we look at some of the new tools at your disposal in 2024!

A lot of the time, self-care is about physical health or emotional health. But what about financial health? Because finances have a very real impact on just about every area of your life. In this episode, I've got three tips so you can make sure not to neglect your financial wellness.

It's a new year. Ask yourself: what's holding you back from making progress on your goal to be financially independent? Chad Roller is joining me on this episode as we take a look at some hurdles that might be standing in your way and how to overcome those!

After the student loan pause, many are experiencing a financial pinch now that payments have resumed. Joining me today is our Planning Intern and real-life student, RandeeK. We'll be talking through some of her recent loan experiences and some updates from the Department of Education that could help ease the burden of repayment.

While we don't love debt, it sometimes can't be avoided. And if you want a good interest rate on that debt, you're gonna need a good credit score. Chad Roller is in the co-pilot seat again on this episode as we look at ways to increase that score and keep it high.

We've had significant property damage from weather events here in Arkansas over the last couple of years. And that's having an impact on the insurance industry. In this episode, I'm joined by special guest Ryan Evans, with Wayfinder Insurance, to give us insight into how the industry is changing and how these changes affect you.

This ain't your daddy's layaway program. With 1 in 3 consumers using a "buy now, pay later" plan on their purchases, we've got to talk about it. Chad Roller joins me as we look at who's using these plans, why they're using them, and what's the risk. 

The holidays can be filled with so much joy! It can ALSO be filled with so much stress! There's often a whirlwind of food, friends, family, decorating, travel, gifts, OH MY! In this episode, I'm going to give you three tips for the holidays and dealing with all the things.