What's Up With Money?!

Most advisors focus on the accumulation of money - how to grow and reduce risk. We want to pay attention to distribution - when it is time to use your money. What you need money for is more important than how much money you have. It is true - you need lots of money to make it in today's world. Different financial tools do the different financial jobs of life better than others. In accumulation...

Jon and Ryan give there thoughts on financial social media posts. Check out Jon's book, The Future Poor.

We take a look at this massive piece of legislation signed into law in early July 2025. Key Question: Does this legislation help us in regards to The Future Poor or does it only make it worse? The end of income tax on Social Security? Not exactly. You might get a tax credit, but the tax is still there. Medicaid? The Bill will move almost 11 million seniors and children off Medicaid in the next few...

Why are these so important for brand loyalty and what happens if one of them changes? Costco Hotdog Facts Introduced in 1984 for $1.50 and has stayed that price Should cost $4.63 if it had tracked U.S. inflation Costco sells over 370 million hotdogs a day They sell more hotdogs than all major league baseball stadiums combined Check out Jon's new uplifting book, The Future Poor , today!

Our discussion about Jon's groundbreaking new book continues! If you haven't yet, grab your copy of The Future Poor now!

Jon's new book, The Future Poor , is available now!

Cars have quickly become most people's second largest expense after housing, and it keeps on getting more expensive! Lease v. Own Used v. New Loan v. Cash What's the right answer?! (Hint: There isn't one.) Every situation dictates what makes the most sense. Total cost of ownership becomes a big thing to consider. It's not just the cost of purchase. Fuel/electricity, repairs upkeep,...

Back in October 2024, ahead of the election, we did an episode on money and politics. How did that episode hold up 6 months later? The Stock Market dropped $5 Trillion!! Were we wrong? Check out our previous episode , this look back, and stay tuned as we see how things play out!

Welcome back author, poet, entrepreneur, public speaker, card game maker, and more - Michael Nelder Henderson III This conversation was recorded months ago and was a great conversation about the moral dimension of money. We know the price of everything but the value of nothing. Consider the moral cost. Change without capital is counterfeit. Like U Cards - The game to end awkward conversations and...

We've been away - and for good reason! Jonathon has lived in the Altadena area for over 15 years, and during the Eaton Fire, he lost his home, community, and recording equipment. We really need each other for social and economic survival when things are normal and when disaster strikes. There are 5 main social structures we participate in and rely on. Family Government Corporations Government...

Welcome author, poet, entrepreneur, public speaker, card game maker, and more - Michael Nelder Henderson III. Join us for a unique conversation about business development, entrepreneurship, learning, and more. The most powerful words besides "I love you," are "More, too." Like U Cards - The game to end awkward conversations and combat cancel culture. Check out Birth of Light on Amazon.

Rome is back to talk Halloween! This year, Americans will spend about $12 Billion for Halloween! $4 billion on decorations! $3.8 billion on costumes! $3.5 billion on candy! What are you dressing up as for Halloween?

Whenever there is a natural disaster, like a hurricane, tornado, or earthquake, we see another side of the economy that works to recover areas hit by these types of events. Recent hurricanes in Florida caused $50 billion in damages on the low end and $100 billion on the high end. Where does that level of money come from?! Insurance companies play an interesting role in disasters and what they insu...

How In The World Do You Save For College?! You don't need an account called "a college savings account" to save for college! There are multiple ways to save for kids. And there are 3 key questions you should answer in order to choose the right plan for you! 529 Plan - Often called the college savings plan even though that wasn't quite its original intent. Custodial Accounts - UGMA or UTMA works as...

How much does the sitting president truly effect our current economy? A bit, but maybe not as much as we like to believe. Our economy is much more complex than a single four year term can produce. We often feel the effects of previous presidential policy after that person is no longer in office. The economy is dynamic, been around for a long time, and is continually influenced and shaped over time...

Guess who's back? Back again. Ben is back! Tell a friend! DTI: Debt To Income Ratio Three letters that matter so much. This is one of the most important things to know before going house shopping. ⁠Calculate your DTI⁠ Remember that you want to stay under 50% and keep close to 40% to be safe. A lender will help you. What is a P.IT.I. payment? Principal Interest Taxes Insurance. Much more than j...

Guess who's back? Back again. Ben is back! Tell a friend! DTI: Debt To Income Ratio Three letters that matter so much. This is one of the most important things to know before going house shopping. Calculate your DTI Remember that you want to stay under 50% and keep close to 40% to be safe. A lender will help you. What is a P.IT.I. payment? Principal Interest Taxes Insurance. Much more than jus...

We have a guest! Chris, financial advisor, owner of a lighting company, and alternative investor. There are different ways to invest in companies that are starting out but aren't on the normal stock exchange. This goes beyond "go fund me." You can check out a site like " wefunder " to find a company you may feel drawn to invest in. Make sure to read as much as you can befor...

A special bonus history episode! The History of Retirement You're welcome!

In this episode we continue on our journey through the History of the Gold Standard. Jonathon picks up where Ryan left off as we get into the quasi-gold standard and our eventual departure from the gold standard all together. Oh, and we have a quick chat about crypto at the end. Under Nixon, we ended convertibility of USD to gold and what most people think of as the end of the gold standard. But t...

Summer school! The history of the U.S. Gold Standard. You're welcome! The bi-metallic standard. Thanks to your favorite broadway star and ours, Alexander Hamilton, we had the start of the currency situation in the U.S. We mainly used silver within the country for exchange and we used gold for international trade. 1834 - Things start to shift! Drama! Despite what you may have been told... The U...

It's time for Summer School! Our next series is History 101. We look at the history of U.S. currency, the Gold Standard, the dramatic, edge of your seat, politics of the dollar. There will be a quiz!

Michael Lewis really brings you into the world of the Oakland A's to the point where you feel like you're there, in the draft room, or Hatty's living room at Christmas or the night they win their 20th in a row. Bill Beane (without really intending to) changed these players lives. He did intend to change baseball - and he did. There are some really good lessons to learn from this book -...

We take a deeper dive into, "Moneyball: The Art of Winning An Unfair Game," by looking at some specific quotes that are key to understanding the philosophy of Moneyball and how it's helpful for financial thinking. "If he's such a good hitter, why doesn't he hit better?" & "We aren't selling jeans here." Does this player or financial tool do what it...

We are exploring Moneyball: The Art of Winning An Unfair Game. This is where the middle class (90% of us) find themselves and find today's financial advice. It is for the Yankees or the Red Sox - the rich teams. The game we are playing in the 2020's is not the same as we were playing in the 1980's. But... everyone is still trying to play according to the rules provided by "the old...