Life is Life!

When cell phones first burst onto the scene they were for people who loved the latest technology and or could afford such luxuries. Fast forward a decade or so later and the "mobile device" is a tool that most everyone has and cannot do without. It's not just for communicating by talking to someone directly, it does that and so much more. It is our link to information, communication...

Research has found that most of our money habits, including spending and saving, are largely ingrained in us by age seven based on the money relationships we’ve witnessed firsthand. Yet  most of us rarely discuss our financial situation with our family. What does this have to do with the hit and Emmy winning series Schitt's Creek? This CBC/PopTV series made famous internationally on the Netfl...

Buyers remorse, a term most of us have felt many times in our lives. If you haven't, well, you may not be human. In all seriousness buyers remorse is most likely the direct result of an impulse purchase. Impulse purchases (buys) are not uncommon but they do come in very different sizes, shapes and costs. We have worked with many people that drive off the parking lot and on the way home start...

As a man of true integrity with infectious energy, Bob Wheeler’s crusade for personal growth has cross-pollinated with his accounting practice to create a new approach to personal finances. His passion is to help others gain insights about how their emotions trigger financial decisions. Bob Joins the Talk Wealth To Me crew to give his inspiring outlook on life and finances. A professional CPA by t...

Math, science, social studies, history, english are of course , the core of studies our children learn in school from the time they start in kindergarten all the way through 12th grade. These subjects and others as they grow are crucial in the development of our kids as they prepare for college or the real world. But what about a skill that every single one of will have to use on a daily basis at...

Gasoline, bacon, produce, vehicles, you name it and the cost has most definitely increased in 2022. The word we have all been hearing since we were kids but was never part of the daily conversation until now... inflation. Inflation is at its highest since 1981 and a some guy named Reagan was President. Why? Well the Talk Wealth To Me team sat went to its economics expert Professor Jim Charkins. Ji...

It has been a crazy number of years and the housing market in all corners of the country is riding that wave. The Federal Reserve has raised interest rates recently to try and combat the rising inflation we are seeing from coast to coast. What affect has that had on the housing market and where is it going? One Trust Mortgage Regional V.P., Kelly Kline of San Diego, CA onetrusthomeloans.com/lo/kkl...

"I want to save for a rainy day but I have credit card debt, what should I do first?", is one of the most common questions we get. The common answer is you need to pay off that debt before you can try to accumulate wealth because debt can be a drain on your resources. But the real answer is, It depends. Don't get me wrong, you should always pay off debt but it doesn't have to b...

A financial budget is obviously the foundation from which your personal finances can flourish. The trouble is budgets can be, if not followed, just a road map that is ignored. Most of us men understand that reference as we don't need or GPS's to find our destinations right? Well of course we might get to our eventual destination but did we get there in most timely and efficient manner we...

We will not have a new episode today our team decided they would rather watch the NCAA tournament than record . We know it’s selfish but it is what it is. April Fools! For this April Fools’ Day edition we talk about gambling in sports not only during the madness of college basketball but year round. When does gambling go from fun to problematic and where you can find help.  We also talk about the...

Twitter can be a very tough outlet and a person can take a lot of heat for their opinion, experience, take or what ever you want to call it. One thing for sure is it is full of opinions. Recently a tweet went viral in the personal finance world when a car salesman posted this tweet.. Just sold a 2015 Audi to a 26 year old whose main concerns were paying 0 down and having something “better than a n...

GAS PRICES!!!! Yes, if you drive a car you are aware of the meteoric rise of gas prices. There are a few reasons for that but does it matter why it is happening to those of us who have to commute, take kids to practices, etc? Maybe that's great for debate with friends and family but really all that matters is what it's doing to our bank accounts and budgets! Today the Talk Wealth To Me c...

Youth sports is a billion dollar business that has completely changed the landscape of how our kids participate. Sports used to be seasonal, soccer in the fall, basketball in the winter, baseball and softball in the spring; enjoy your summer break. Not anymore, kids are starting earlier and playing longer seasons. Parents can pay as much $1,200 for six year olds to play soccer year round. Chase ju...

Losing weight and eating healthy can be expensive but does it have to be? The U.S. weight loss market came in at a record $78 billion dollars in 2019. If some of that was your money you are not alone, we contributed to it as well.  In this episode we talk personal finance and eating healthy. Can we take care of both our health and budget simultaneously? We also learn about our own Phil's new...

Gaming has become a part of our fabric. It's not just kids and teens spending endless hours staring at a screen. Video games have been popular since the Ralph Baer, licensed his console to Magnavox which sold to consumers as the Odyssey in 1972, according to History.com. From Intelevision to Atari,  Nintendo to Sega and Xbox to Play Station the video game Industry blown up and generations are...

It’s safe to say that during the pandemic even some of the most disciplined spenders made an impulse buy or two. What happens when that impulse buy is the largest purchase of your life? With the boom in the housing market many took a leap and purchased a home. Now as the dust is settling are there regrets?  The team sits down to talk about a story in the New Your Times about individuals who lookin...

The home purchase and rental market in cities across the U.S. has seen prices increase drastically over the last number of years making it difficult for a lot of Americans to find affordable safe housing. This week we sit down with Windermere Homes and Estates and the Bannister Group , Mike Bannister who brings 25 plus years experience in the real estate industry which means he has seen major shif...

Every year in February the eyes of the sporting world, at least here in America, tune in to watch a football game. But are they all tuning in to watch the actual game? Some, including Felipe, once again could care less about who wins the game. Instead once a year Felipe watches television for the commercials? He is not alone and companies from all industries know millions will be watching so they...

Both Chase and Felipe recently had children sent home from school due to COVID or exposure to COVID and that got them thinking. What extra financial burdens is this causing parents who can't work from home to care for their children? What about people who's job requires them to be in person? Are there laws to protect the worker?  Also, a special thank you to all of those who keep the thi...

Saving for ones own retirement and financial goals is hard enough. When that responsibility is added to the cost of being a parent and caring for ones own parents you get the Sandwich Generation. This situation can be a financial burden to most people's budget but are all sandwiches created equal? What can you do to avoid ending up financially unprepared?  How do you break the cycle? Grab a b...

This week we bring back a longtime friend and collaborator with the Talk Wealth crew. Professor Howard Eskew is a former banker turned educator who's passion for financial literacy is unmatched. He is the man that was behind and created a personal finance class that is offered at San Diego Mesa College. It was so popular that there is a waiting list every semester. This week we talk about how...

The worldwide pandemic has changed our way of life over the last year and a half with how we purchase food, clothing and goods. It has brought us drive up delivery, Uber Eats, Door Dash and more. It has also changed the way we look at life, relationships and our careers. There has been a profound shift, just go to your nearest restaurant or retail store and you will see, "we're hiring&qu...

So here we are, the final days of 2021. After a year that we all experienced a pandemic and stay at home orders we all hoped it would be a year where we got back to "normal". Well in many ways it did but it was also a year of many more challenges and new adventures. We talked about so many incredible topics and had some of the greatest guests. In this episode we look back at the year 202...

Bank fees have been around forever and are costly to all of us. However overdraft fees have become all too much of the norm over the last decade. Banks seem to be relying on overdraft and non-sufficient funds (NSF) revenue to maintain their high-profit margins, according to a new December 2021 report from the Consumer Financial Protection Bureau (CFPB). Specifically, the U.S. financial watchdog ag...

The Holiday shopping season is here! We hope you have prepared your budgets and are ready to go. But has the way we shop changed forever? Our team goes over some trends they noticed and read about showing maybe Americans no longer line up with excitement for Black Friday and Cyber Monday deals. Will the malls ever see crowds like they used to? Could it be that more people planned ahead or are more...