Your Bread and Butter™

In this episode of Your Bread & Butter Podcast , Andrew R. Beaudry, CFP®, and Ryan T. Cummings, CFP® break down essential year-end tax planning strategies for business owners. Discover how to make smart moves before December 31st and keep more of your hard-earned money in 2025. We’ll cover:✅ The truth about business owners and the IRS — are they frenemies?✅ How to maximize QBI deductions and...

As 2025 year-end approaches, new tax rules are reshaping how individuals and families plan for year-end. In this episode, we unpack what’s changing — and how to make the most of it before December 31st. Here’s what we cover: 🗝️ Key 2025 tax law changes under the new OBBBA legislation 🧾 How to benefit from temporary deductions for tips, overtime, and auto loans 🪙 Updates to child tax credits and...

In this episode, we dive into the latest fiscal priorities shaping America’s future. From proposed $163 billion in cuts to non-defense programs to major increases in defense and homeland security spending , the federal budget tells a story about shifting priorities — and what that means for your money. We unpack: How budget cuts could impact education, public health, and environmental programs The...

Ever wonder where your tax dollars actually go once they leave your paycheck? In Episode 40 of Your Bread & Butter , Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down how the U.S. federal budget is created—from the President’s proposal to Congress’s final approval. 🎙 In this episode: 🏛️ Presidential Budget Proposal – What it includes and why it’s just the starting point 🧾 Congress...

In this episode, we dive into practical strategies to stay ahead in today’s changing economic landscape. With inflation pressures, labor shortages, and shifting market conditions, it’s never been more important to take a proactive approach to your money. 📉 Coming Months: What to Expect Rising production costs and tariffs may drive inflation Labor shortages impacting growth in key industries Slowe...

In this episode of Your Bread & Butter, advisors Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down the origins, history, and role of the U.S. Federal Reserve, and connect it to today’s economic challenges like inflation and tariffs — with insights that matter for investors, consumers, and financial advisors alike.📌 What You’ll Learn: 🟢Why the FederalReserve was created after repe...

Ever dreamed of starting your own business? 🚀 In this episode, Andrew Beaudry, CFP® and Ryan Cummings, CFP® dive into the realities of entrepreneurship—the passion, risks, rewards, and what it truly takes to succeed. You’ll learn: ✅ Why people are drawn toowning a business (freedom, control, passion, money) ✅ The foundations ofsuccessful entrepreneurship: health, mindset, skills, and financial...

Want to not just survive—but thrive—in corporateAmerica? In Episode 36 of Your Bread & Butter , Andrew Beaudry, CFP® & Ryan Cummings, CFP® reveal a proven 6-step career framework to help you stand out, grow your influence, and take control of your professional future. You’ll discover: 💡 How to define your version of success in corporate America🏗️ The key to building a strong foundationfro...

Your Bread & Butter Podcast with Andrew R. Beaudry, CFP® & Ryan T. Cummings, CFP® Life is full of choices—but some define the entire course of your journey. Inspired by Robert Frost’s “The Road Not Taken,” this episode explores one of the most definingdecisions: career vs. business. Which path is right for you? In this episode, we explore: ·      🔄The moment of choice: what really influen...

Congress just passed a massive financial framework, and it's going to change everything — your taxes, your business deductions, even crypto regulation. In this episode, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down what’s inside the FY 2026 federal budget and what it means for your wallet, business, and portfolio. 👨‍👩‍👧‍👦 Personal Tax Changes: New deductions on tips, car loans,...

Summer fun doesn't have to mean financial frenzy! In Episode 33 of Your Bread & Butter , Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® share practical tips to help families stay on track with their finances during the busy summer months. 🎙 In this episode: 👨‍👩‍👧‍👦 Family-friendly budgeting strategies for camps, travel, and outings 🎓 Smarter savings with 529 Plans —now with new be...

In Part 2 of Your Bread & Butter’s look at the economy and markets, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® return with a deeper dive into how tariffs, market uncertainty, and global dynamics are shaping financial outcomes — and what smart investors can do about it. From revised GDP forecasts to shifting political will in Washington, this episode unpacks the current landscape and of...

In this episode of Your Bread & Butter , Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® take a deep dive into thecurrent state of the U.S. economy — and where it might be heading. Ever packed a bag without knowing your destination? Just wandered the airport hoping a flight felt right? Yeah, us neither. When it comes to your financial future, direction matters. We’re here to unpack where th...

So the bags are packed, the dorm fridge is loaded up, the Play Station is secured along with the TV, and the bills are starting to roll in...It's too late to plan for college expenses, but it IS time to pay. What can you do to get funding, again, without selling your kidney! Listen in and get tips and practical ideas as to steps you can take so that your young adult can focus on their educatio...

🎓 College Costs Are Coming! Springtime means blooming flowers, warmer days… and yes, time to figure out how to pay for college! Whether you’re heading off for your first semester or gearing up for another year toward that degree or certification, planning ahead can save you a lot of stress—and all your vital organs. We’re here to help you create a smart, doable funding plan— no kidney donations r...

Welcome to “How to Lose Debt Weight” — the podcast where shedding pounds and paying down debt go together. Like trimming fat from your waistline, we’re here to help you slim down your finances. We will help flex your budgeting muscles, cut the excess spending calories, and build strong saving habits that’ll leave your wallet lean and mean. Join us as we train your mindset, coach your cash flow, an...

There’s no shortage of financial advisors out there—but finding someone who truly puts your best interests first? That’s a different story. When it comes to achieving your financial goals and turning your dreams into reality, working with a fiduciary—especially a Certified Financial Planner™ (CFP®)—can make all the difference. We’re here to show you why choosing the right advisor matters and how a...

We use health professionals whose career training is to always seek our best interest for our physical and mental health. The same standard can be used for your monetary health as well.  A financial fiduciary’s role is to always seek your best interest in giving advice about your money decisions and how it affects your plans, reality and your dreams. This podcast describes the unique characteristi...

’Tis the season—Hanukkah, Christmas, New Year’s—it’s all happening! Spread joy without breaking the bank or channeling your inner Scrooge. Find thoughtful gifts, celebrate with loved ones, and kick off the New Year debt-free and full of cheer!

This is it—your moment to act! Tax year 2024 is almost over, and it’s time to make every dollar count. Paying taxes is fine, but don’t leave the government a tip by missing out on deductions or skipping a solid plan! Be smart about your finances. Get expert advice from a CPA or tax attorney to discover legal strategies that work for you. The clock is ticking—take charge today! ⏳💼

In this episode, we dive deeper into the fascinating world of behavioral finance, uncovering why we make the financial choices we do and the factors that influence them. From emotional triggers to societal pressures, we explore how understanding your feelings about money can help you identify and break bad habits while fostering healthier financial behaviors. Whether you're looking to improve your...

’Tis the season to be jolly—until January rolls around with a stack of bills or December surprises you with a bounced check! If you’ve ever wondered why you spend the way you do during the holidays or how to dodge a financial hangover, this podcast is your sleigh ride to smarter spending. Tune in, and share your thoughts! How do you plan your holiday budget? What tips or tricks keep your finances...

This is an episode dedicated to answering basic questions about Medicare enrollment and changing existing medicare plans. Feel free to go tour website: www. privatefinancialdesign.com to contact us if you need further assistance.

Politics & The Economy: Ghouls, Ghosts, and Goblins! Zombie brain-eating politicians have certain budget limitations due to benefit commitments to legacy government programs. Ghosts of the our past economic history should be recognized as history repeats itself- beware! Then the fear factor of how the Goblins distort the reality of economy to get their political agenda on the table. Be a knowl...

How much does politics affect our economy and in what ways does it not? The typical voter in any election cycle may be unaware as to what influence they can have on how the government affects their financial well-being...and it's not just taxes! Join us as we look behind the history of how we as voters have affected our own personal economies.