Broke at Forty

Evan talks through a valuable roleplay as if he was retired this year. What would the numbers show in his Fabulous Four? 401k, Roth, Taxable, and HSA. Remember, for this type of analysis, Short Term Reserves are not included which makes the Allocation of Stocks to Bonds/Cash a bit higher. Add in 100k of cash and it goes down a bit.

In true coffee-style rambling format, Evan updates his Broke at 40 listeners with how 2023 has been going. Did he retire? Will he continue to work yet another year? Tune in to find out!

Evan rambles during the Money of the Week segment. Is he really thinking of buying a new condo? Is he ready to retire YET? And why is your SAVINGS RATE the most important concept for Late in Life Savers? Tune in to find out!

Evan has been absent for two months on auto pilot with finances, but he always comes back to what matters most. You! His loyal listener :)

Evan give and update on 2023, and talks through allowing yourself to spend on things that you truly value

Evan talks through a concept that unfortunately, many people have as a true reality —that they have to work for money most of their lives, but it doesn’t have to be that way forever!

Evan received a question on YouTube about what his Social Security would be and how it can offset or subsidize retirement income needs, so he and tackles the question! Stay tuned for the episode, or join us as the Frugal Millionaire on YouTube!

Hello! Evan here, I hope everyone is doing well so far this year, two weeks into 2023. I wanted to take a moment to introduce The Frugal Millionaire, my brand new channel on YouTube, where I hope to grow a large audience and help people go from Broke To Brilliant! I’ll be taking some time to create videos for you there. Please join me,and say hello!

Evan didn't have much to say this week, say what?  No overly ramble on and on for the week?  Well, he can't promise that.  But he can promise a look into t frugal mindset and a control of money in a world where we can't control much of anything (or there's so much out of our control).  Join us for this short coffee-talk ramble!

Join Evan as he recaps 2022 and looks forward to what could be his last W2 working year in 2023.  Will he have the courage to enter early retirement in upcoming months? Join us, as we move forward with Season 5 of this podcast series!

What do we begin thinking about this time of year?  That's right.  New Year's Resolutions.  Evan hates that word!  Why can't we think of our behavior in terms of a "way of life" and not breaking bad habits.  If we do have habits that hinder our growth in longevity with life and finances, then having awareness to correct it is more important than thinking we can never fail.  We WILL fail.  But succ...

Evan shares his thoughts of the past couple of weeks as he thinks about one more year in corporate America.  In the past, his spending projections have been ultra-conservative, but now...what if he dreams larger?  Will the numbers still support such potential spending?  And if it does, would he actually need to spend it all?  Or, would minimalism and frugality prevail?  Tune in to find out! 

149. Evan rambles about creating a Simplicity Study that represents your TRUE expenses, anchoring to last weeks episode. But join him today for positioning yourself to WANT a paycheck but not NEEDING a paycheck. Doing so, will move you from Broke to Brilliant. Want to share your money story? Email us: EvanThomasBroke@yahoo.com

Evan wants Late-in-Life Savers to understand that FRUGALITY is the mindset to have during the Accumulation Phase, but more importantly when positioning yourself for the Distribution Phase.  Join us today, as he tries to convince himself of this important concept!  And stay tuned for the end of the episode where he will talk through that this decision will allow for MORE SPENDING when considering t...

Evan shares his money thoughts of the week and moves on to help Late-in-Life Savers think outside of their normal thoughts.  After all, what is Normal Anyway?  Want to be on the show to share your money story?  Email us:  EvanThomasBroke@yahoo.com

146. Evan talks through some of the most widely accepted habits of people that have achieved a million or more in investable assets, or an overall millionaire net worth, while anchoring to his own experience. Want to be on the show to share your money story? Email us: EvanThomasBroke@yahoo.com

Evan rambles with his thoughts about the negative results of his million dollar portfolio in 2022. Where will the calendar year end in just a few months? Nobody knows! Want to share your money story? Email us: EvanThomasBroke@yahoo.com

Evan talks through a recent article on not worrying about the bad financial markets of 2022.  Are you keeping your eyes on a long-term goal?  Don't sell…. Simply enjoy leveraging these buying opportunities! Stay tuned to see what Evan thinks about trying to be happy in 2022 regardless of things we can’t control in both our financial and personal lives. Today, on the Broke at 40 podcast. Write us:...

Evan talks through the near miss of Hurricane Ian in his community.  How does this make him feel given the current market conditions.  Is he hopeful?  Discouraged?  Join us today to find out!  Email us at EvanThomasBroke@yahoo.com

Evan gives results of his meeting with a Vanguard Financial Advisor, but first talks through the financial landscape of current markets and a looming gloomy feeling for 2023, but an opportunity for sale opportunities.  Join us today for this episode of the Broke at 40 podcast!  Want to be on the show to share your money story?  Email us:  EvanThomasBroke@yahoo.com

Today Evan walks through a couple scenarios.  One.  He looks at his fiscal year.  What's going well, what's going wrong?  And two.  What is going on with the markets this year?  Take a look at your own financial numbers as you follow along with Evan as he stumbles his way through this episode.  That's right.  He's not a professional podcaster, or financial master, but that's OK.  He's doing it, an...

Evan once again has way too much caffeine on a Sunday morning and hit record on his iPhone. But with a little upbeat music and some knowledge of staying in shape at no cost, he manages to create some cohesiveness to making a claim that finance and fitness go together. Join us today to feel the energy ??? Want to be on the show to share your money story? Email us: EvanThomasBroke@yahoo.com

Evan goes on a ramble about a few thoughts of the week related to some money changes that may be coming up in the next month or so. Then he moves onto a hopefully entertaining story about keeping things simple in order to have the capacity to deal with what life throws at us at any given time.  If you're preoccupied with overspending and creating your drama, how can you have the insight to know ho...

Evan wants to remind everyone the importance of a positive mindset, even if you're Broke at 40, 45, or 50.  Have the ability to accept where you are RIGHT NOW. There's only upward once you've hit a financial bottom or if you've never applied the SIMPLE concepts of personal finance.  Regardless of income, it's all relative to expenses.  So begin now.  Don't wait until you sink even lower.  And be a...

Evan talks through motivation and discipline as two critical long-term strategies for true wealth building. Will you spend your time trying to be rich? Or will you finally follow what works? Join us today for a ramble down Late-in-Life Saver Lane.