FinancialGinger

Your furnace dies. It’s 7 degrees outside. The first quote you get is $14,000. Is that a normal furnace replacement cost — or are you being sold a full HVAC replacement you may not need? If you’ve ever wondered: - Should my HVAC be repaired or replaced? - Is this HVAC quote too high? - Why are furnace replacement estimates so different? - Why isn’t my AC working in the summer? - Why won’t my heate...

Your physical health and your financial health are more connected than most people realize. In this episode, Tracey Anderson, who spent over 26 years in medical wellness and bariatrics, breaks down why weight loss is so misunderstood, why quick-fix solutions usually fail, and why doing nothing can be more dangerous and expensive over time than people want to admit.  We talk openly about GLP-1 medi...

Jenna fell into real estate through her family’s construction business and brings real, hard-earned insight into the housing market on episode #27 of FinancialGinger. One uncomfortable truth right now: maybe you shouldn’t buy a home in 2026. Jenna explains situations where buying may not make sense yet. If you have to move soon after buying, you can lose money. Turning a home into a profitable ren...

What happens AFTER you file a claim? Ever heard of a “field adjuster” or a “desk adjuster”. Who’s actually incentivized to help you after your home is damaged? Meet TJ, he’s an independent insurance claims adjuster. In this episode, you’ll see how insurance companies decide how much to pay you after a home loss, what roof claims look like from hail to rain, and how insurance companies go about mak...

Your Home Sells Faster With Good Photos! Buyers decide in 3-5 seconds if they want to look at your home or not. Your images need to “stop-the-scroll” instead of being forgettable generic photos. In this episode Nate explains why listing photos matter more than you think and how bad photos silently KILL buyer interest. Good photos don’t just document a house, they sell a LIFESTYLE. Nathan Hahn is a...

Amy is a swiss army knife of real estate. Real Estate Agent for buyers and sellers, for commercial real estate, property manager, tenant placement, and more. While so many agents do just one thing like personal, or commercial, or property management. Amy talks about the skills she’s developed to work in all of those areas. I personally have had Amy help me find tenants for my properties, so I’m re...

Jordan is a long time media creator and real estate photographer. Listen about how poor listing photos can reduce showings and buyers interest. Why bad photos reflect poorly not just on your agent, but your home. Jordan explains some technique about framing, angles, and how using both videography AND photography can get you more interested buyers when you’re selling your home. It’s also nice when...

Mattie (known online as @_mattie_g) joins FinancialGinger to talk candidly about living with significant debt, publicly documenting the payoff process, and navigating the emotional reality of money decisions. The conversation explores why debt feels more taboo than other personal topics, how cultural normalization of payments and financing shapes behavior, and why emotional wins can matter just as...

Kenyon knew he wanted to be in real estate. He knew entrepreneurship was for him. And he’s here to share his vision, and how he helps you build your vision in real estate. Kenyon Wallin, builder’s agent with DR Horton, joins FinancialGinger, Jacob Johnson, to break down how new construction homes goes, from the builder’s sales process to HOA structures, insurance implications, and why Kenyon’s pre...

Your Water Heater should be flushed twice a year, but most people haven’t done it in 10 years, that’s gonna cause more cost than you may realize, damage to appliances like your washer, dishwasher, fridge, toilets, showers, sinks, and just about anywhere water moves in or out of a pipe in your home. Austin got a coupon for a free water heater flush with a new home he purchased….. and the company we...

Parker is a busy entrepreneur, who's experienced the Jacob Johnson difference. Parker shares frustrating situations with insurance, ways Jacob has solved problems, and how easy it’s been to get Jacob when he needs him. We discuss:- A car accident - Adding exotic and super cars to insurance - Changing carriers - Jacob recommending ANOTHER insurance agent for a vehicle, Yeah. I helped him get in...

One of the most common questions Jacob gets is “What does it cost to get an insurance quote?” The answer surprises some, for standard auto and home insurance in Utah, it costs nothing. In this episode, Jacob breaks down how little is really needed for a quote, why legitimate agents don’t (and frequently can’t) charge for them, and the most common things that impact rates behind the scenes. He expl...

Homeownership feels impossible right now. Prices are high. Rates are high. And a lot of people have quietly given up on ever buying their first home. That’s exactly why Joel Jones Home Lord System exists. Joel Jones from Home Lord System joins Jacob to break down how everyday people are still buying homes right now, without having to wait for a crash, without perfect credit, and without massive ca...

Most insurance claims don’t start with disasters. They start with small things people didn’t think mattered. Jacob Johnson sits down with Shanna Fowkes, from ServiceMaster by A3DS, to talk about home maintenance that protects your home from claims. What actually causes claims, what homeowners overlook, and how simple preventative work can save thousands of dollars and years of stress. Shanna share...

You need Quick Quality Plumbing (QQP) on SPEED DIAL Tracey Anderson and Jared Ostler, owners of Quick Quality Plumbing, share what they see every day inside Utah homes: small problems that turn into major damage, situations where timing matters more than price, and why trust in your service professionals is everything. Quick Quality Plumbing announces their PIMP(Plumbing Inspection Maintenance Pla...

Lawyers will help in a car accident, if you got hurt, but what about when your car is totalled and the insurance company is offering you much less than you think your car is worth? The reality is ridiculous: almost no lawyer touches property damage claims. That’s where Nolan Sprosty comes in. Nolan is a collision and property damage expert who helps people uncover what their vehicle is actually wo...

Dana was one of the first clients I ever worked with 7 years ago when I first got into insurance. What is insurance about? Is it paperwork? Is it numbers on a page? It’s more than that. Three phone calls meant everything to Dana: - When his daughter was in a car accident - When his house flooded - When his last kid moved out Every time, Jacob answered. Dana and Jacob review a water damage claim Da...

There’s a Auto Glass Olympics? Yeah, and Andrew has competed in it. Andrew shares his personal story — how he accidentally fell into auto glass at 17, trained for the Auto Glass Olympics, worked with major national glass companies, and eventually launched his own shop focused on quality, honesty, and customer experience. Insurance agents love him, and he’s changing the industry with his no-nonsens...

Health Insurance has changed BIG for 2026, What do you do if your rates jumped 300%? Health and Life Insurance agent Kristen Gines answers things like Why did rates jump so much for 2026, and what are options for those facing rate increases? Kristen highlights government actions that cause most families to see 200-300% rate increases for next year on their health insurance. What happened with gove...

Served with a side of ADHD, Jacob Johnson and Caden Smith - The One Wheeled Realtor - talk about the journey of first time home buying in Utah. Caden shares how he went from struggling with depression and cycling through 18 jobs… to finding purpose, service, and passion as a real estate agent at Keller Williams. We discuss: Why New Build is usually the best price for first time home buyers in Utah...

Health Care subsidies took a big change with Congress recently, Why did your health insurance rates jump for 2026? What’s going on anyways? Josh Erickson and Jacob Johnson talk about health Insurance, ACA/Obamacare, Private Health Plans, and how some people are considering going uninsured this year! Before you do that, listen to this episode of FinancialGinger and consider some alternatives. We di...

If you have ever had a tenant call you at 2 AM with an emergency, this podcast episode is for you. Whether you’re looking to buy your first rental, just moved into a house hack, or have a portfolio of 20 properties, Emil will give you extra clarity, confidence, and thoughts of someone who handles hundreds of rental units every single day. In this conversation, Emil Schoenfeld — founder of Peaceful...

What if the reason your finances feel “stuck”… is because your systems are broken? In this episode, Jacob sits down with financial planner Sam Jones to expose the blind spots that cost people thousands every single year. Sam isn’t your average advisor. From serving a Christian mission to specializing in real estate investors, he’s built a career around teaching simple, true financial principles th...

Savanah Romney: 20 year old realtor, host of Uncharted podcast, and someone who’s mindset is well beyond her age joins Jacob for a discussion today. One of the first things I ever heard Savanah say was “Remind your nervous system when you’re freaking out that it’s not hard, it’s just new.” That perspective, paired with her belief that “your happiness is your responsibility,” reflects the gratitude...

What happens when you file a claim after water damage or a fire? Austin Bradley started a restoration company at just 21 years old! Join Austin and Jacob as they give valuable insights into how restoration companies can help you after an insurance claim. Questions like, What do I do after something happens to my home? How fast do I have to respond? Who do I call? How does insurance pay restoration...