FinancialGinger

Most people are paralyzed when it comes to investing… should they buy individual stocks, or Bitcoin, or just bet it all on black at the casino? Jacob sits down with Tom Bernard, author of The Index of America, to reveal why the S&P 500 is the single greatest wealth-building tool in history, and why almost nobody fully understands how powerful and simple it really is. What You’ll Learn: - Why t...

Car accidents are stressful enough, don’t make them worse by not following these steps. In this episode of FinancialGinger, Jacob Johnson (insurance agent with nearly 8 years of experience) I share the exact 5-step process you should follow after any car accident to protect yourself, strengthen your claim, and avoid denied claims, or worse, being found at-fault for something that wasn’t your fault...

You’ve probably heard of a Roth IRA or a 401(k)… But most entrepreneurs have no idea there are retirement accounts that can let business owners save FAR more money while potentially reducing taxes at the same time. In Episode #52 of FinancialGinger, Jacob sits down with Certified Financial Planner Michael Espinosa (President of True North Retire, $200M+ AUM) to reveal the important retirement stra...

Most people think life insurance is simple: “Buy term and invest the rest.” But is that really the best for everyone? Or even most people? In Episode #51, Jacob Johnson sits down with Mitchell Hancock to break down one of the most misunderstood topics in personal finance: permanent life insurance, cash value policies, and the hidden financial risks most people never plan for. Mitchell and Jacob ta...

You’ve been told to invest 10–15% of your income… But what if your reaction is: “With what money?” Here’s the truth: You don’t need to make more money to start investing. You need to fix your cash flow! This episode is not about investing tactics or strategy or finding a silver bullet, It’s about unlocking investable cash flow by fixing behavior, awareness, and systems In this episode of Financial...

Most people shop home insurance completely wrong and don’t realize it until a claim gets denied. In Episode #49, I break down exactly how I, as an insurance agent, shop for home insurance across multiple carriers to get the best coverage, pricing, and protection. Sure you can save a few bucks with some optional coverages, but there are some really cheap optional coverages people often leave off th...

Do fit people become rich… or do rich people just have time to get fit? In Episode #48, I sit down with certified trainer Nathan Brennan to break down the real connection between fitness, discipline, and financial success. Nathan explains why your health might be the highest ROI investment you’re ignoring. This isn’t about getting shredded or super buff. It’s about building the habits that compoun...

Are you tired of $4,000 mortgage payments on a “starter” home? In this episode, Justin Midgley (Prime Real Estate Experts) breaks down exactly why house hacking is the smartest, lowest-risk way to own a home in Utah’s crazy market. We rip apart the detached ADU hype (yes, even Tanner Gattmeyer’s), show the real numbers on costs and ROI, and reveal how internal house hacking can slash your payment...

If you’ve ever clicked a “Get a Quote Now” button, you’re already shopping your auto insurance wrong. You’re gonna get bombarded by 100 insurance agents for the next 6/months How do insurance agents actually shop for auto insurance? Today, I explain how I, as an insurance agent that shops 25 insurance carriers every day, would get quotes to make sure I’m getting the best price, and best coverage I...

Are you actually ready to buy a house… or are you about to make a really expensive mistake? In Episode #45, I sit down with Darcee Oliva (aka the “dog-friendly realtor”) to break down what it really takes to be ready to buy a home—and where most people get it wrong. This isn’t just about getting approved for a loan. It’s about knowing if you can actually afford the life that comes with it. We cove...

How much money do you actually need to retire? Most people think the answer is “millions”… but they’re solving the wrong equation. You may think it’s $1.5 or $2.5 Million, but I’m gonna show you how it’s often times as much as 60% LESS than what you think. In Episode #44, I break down a simple framework for retirement that applies whether you’re in your 20s, 30s, 40s, or even starting late. This i...

What should you do when your parents pass away and leave you their home? What about all their stuff? Sure you may want the childhood painting from your father, or the pearl necklace that’s been passed down generations. But what about all the other stuff? Devere Wilkey’s family has been in the antiques and estate business for 2 generations now, with her parents running one of the largest antique sh...

What if the reason your business isn’t growing… is because you’re doing too much manually? Ryan Howard, founder of Redline Design, joins FinancialGinger to break down how automation, AI, and smarter marketing systems are replacing the old “just work harder” mindset. From building custom AI tools to eliminate repetitive tasks, to fixing broken marketing funnels that waste thousands in ad spend, Rya...

I’m turning 32, and instead of a normal episode, we brought in the family. My nieces Gwen, Emilynn, and Katie join the show, along with guests Joshua and Brandon, for one of the most unpredictable conversations we’ve had yet. What would you ask an 8-year-old about money, if you could ask them anything? I’m excited to share some fun interviews with my 3 nieces Gwen, Emilynn, Katie, and some of my f...

Did you know that 71% of FSBO (For Sale By Owner) real estate transactions result in litigation? So, you need a realtor. How do you sell your home without spiraling? What about dealing with all the emotions of selling a home you’ve owned forever? What do you do when crazy things come up, like mold, foundational cracks, or more? How does a good agent help you navigate markets and pricing shifts? Ke...

In Episode #39, I react to Utah Insurance Commissioner John Pike's viral clip and explain why it's NOT the full story—insurers CAN non-renew for bad roofs, junky yards, wildfire risks & more. Dive into Utah's new HB 48 law (effective 2026): standardized wildfire maps, required explanations for >20% rate hikes or non-renewals, high-risk property fees for mitigation fund, and why...

Here are at LEAST 6 ways you can make money or save money with a backyard ADU. From mother-in-law living, to a backyard rental, to a podcast studio, or Air BNB, there’s never been a better time in Utah to consider a tiny home in your backyard. Tanner Gappmayer (co-founder of Summit Luxury Dwellings) dropped the most practical truth bomb about solving Utah’s housing problems… and it starts with you...

“Just make a budget” doesn’t work for most people…. and now you’ll finally understand why. The real problem isn’t math. It’s emotions. If you’re stuck in the shock-regret-shame cycle, impulse shopping, or feeling guilty every time you spend, no spreadsheet in the world is going to fix it. But when you finally deal with the emotional side of money, everything changes! Your spending naturally aligns...

Home Warranties Exposed: Why Traditional Plans FAIL & The NEW Homescription Subscription Actually Works (Utah 2026) Home repairs aren’t “if” … they’re “when.” Water heaters, furnaces, AC units, appliances, they ALL breakdown. Traditional home warranties are full of loopholes, denials, and gotchas that leave homeowners with thousands in surprise out-of-pocket bills. But Utah’s Elevate Homescrip...

Estate planning isn’t just for the ultra-wealthy… it’s a matter of life and death that affects every family, every home, every rental property, and every retirement account. Yet most people roll the dice with no will, outdated insurance, or misunderstood trusts, leaving loved ones fighting probate battles, surprise taxes, or lost assets. What’s a trust, what’s revocable or irrevocable, what’s a wi...

Buying a home is the biggest financial decision most people will ever make… yet almost everyone gets blindsided by escrow surprises, PMI payments, and underwriting gotchas that can derail the whole deal. In this episode, licensed mortgage broker Joshua Duke (Remarkable Home Loans) pulls back the curtain on what actually happens behind the scenes. From escrow account shocks (why your payment can ju...

Most people think debt is about interest rates. It’s not. It’s about behavior. In this episode of FinancialGinger, Jacob Johnson sits down with Financial Coach Brett Huntington to break down why budgeting fails, why motivation is unreliable, and why debt is more emotional than mathematical. Brett explains how credit card companies have mastered the psychology of spending: they separate the dopamin...

The real estate market isn’t crashing. It isn’t booming. It’s exposing people who don’t understand the math. In this episode of FinancialGinger, Jacob Johnson sits down with Real Estate Investor, House Hacker, Flipper, Land Developer, and all-around badass Blaine Brady to break down how to make real money in real estate right now……and why most buyers are making emotional decisions instead of good...

In an industry known for "storm chasers" and shady insurance tactics, how do you build a 28-year family legacy with integrity? In this episode, Silas Olsen joins Jacob to reveal what it really looks like to apply biblical principles to high-stakes business decisions. Silas shares how his Christian faith shapes the way he leads crews, handles insurance claims, and navigates high-pressure...

Thinking about buying that brand new car?  Wait! We ran the math, and the results are terrifying. In this episode, Certified Financial Planner Michael Espinosa breaks down exactly how much wealth you lose by driving off the lot… and how buying used could help make you a millionaire. Michael Espinosa, CFP®, tells us that 4 used cars were mathematically cheaper for him than one used car would have b...