Be Wealthy & Smart

Learn what the new 401k and IRA contribution maximums are for 2019 and why you want to max out these accounts. The article is here:  https://www.marketwatch.com/story/you-can-contribute-more-to-your-401k-and-ira-in-2019-2018-11-01 Our sponsor today is LinkedIn. To redeem a free $100 ad credit, go to

Learn why spending principal can be a huge mistake for wealth building. A nestegg of $40,000 invested at 10% for 35 years, would grow to $1,124,097...or you can have a new kitchen. Which would you rather have? Saving a nestegg is Step 2 of the Six Steps to Wealth. Keep the investing momentum going and keep your investment funds separate from your spending. Congratulations and thank you - we crosse...

Learn what consumer confidence reports mean, how they are calculated, and what it might portend for the economy in 2019. The first article is here: https://www.journal-news.com/news/consumer-confidence-hits-year-high-just-time-for-holiday-shopping/AWGGaH4Pd8iZE5hvQo4huK/ The second article is here: https://data.oecd.org/leadind/consumer-confidence-index-cci.htm The third article is here: https://2...

Learn why the stock market has been extra volatile and what the outlook is going forward. Our sponsor today is LinkedIn. To redeem a free $100 ad credit, go to

475: Learn why Mark Cuban's advice to put all of your winnings in the bank is the wrong move and what you should do. This is Part 3 of my Lottery series of podcasts. Part 2 received HUGE downloads, so thank you! The article is here:  https://www.cnbc.com/2018/10/24/mark-cuban-to-lottery-winners-dont-invest-the-money.html?recirc=taboolainternal I disagree with putting it all in the bank, because FD...

Learn how much you really net after taxes, why the lottery is overrated, and how you can create your own abundance and prosperity. There was one lucky winner of the $1.5 billion lottery jackpot. How much will the check really be for, after state and federal taxes? This is part 2 of my lottery podcasts. If you haven't listened to podcast #473, I suggest you listen to it too. The article is here: ht...

Learn why winning the lottery jackpot isn't necessary for you to have financial freedom or be happy. There is a happiness satiation point, usually around a $105,000 annual income, according to research (see podcast #414). More money doesn't make you happier, but spending does give you a temporary high. The endorphins only last a few days, requiring you to continue spending to keep the endorphins f...

Learn why selling can be a huge mistake, how a few days can make a huge difference and how to reduce risk.   The link to my Forbes.com article is here:  https://www.forbes.com/sites/nextavenue/2018/10/16/what-to-do-after-a-stock-market-crash/#59fc579f77df Wealth requires knowledge + action. Get my book,  "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a R...

Learn how other people's money (OPM) and the smart use of debt can build your wealth. Not all debt is inherently bad! Why is mortgage debt triggering people? Mortgage rates are only 5% for 30 years and are partially tax-deductible. Credit cards with high interest rates are the real culprit! Don't use debt for depreciating assets. Mortgages can be great forced savings plans because the debt will be...

Learn how bubbles and cycles were discovered and how to use them to become a better investor. A photo of the graph is on my website at http://lindapjones.com/podcasts, episode #470. Wealth requires knowledge + action. Get my book,  "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available at Amazon: http://amzn.to/2Hy9qk4 Join me on Instag...

Learn why saving money is so important to wealth building. Wealth requires knowledge + action. Get my book,  "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available at Amazon: http://amzn.to/2Hy9qk4 Join me on Instagram at http:// Instagram.com/lindapjones All podcasts are available at http://lindapjones.com/podcasts Please subscribe, ra...

Learn about interest rates, home prices and building stock trends. The article is here: https://www.cnbc.com/2018/10/09/mortgage-rates-jump-past-5percent-signaling-more-home-price-cuts-ahead.html Wealth requires knowledge + action. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available on Amazon here: http://amzn.to/2Hy...

Learn what the best performing U.S. Diversified Stock and Overseas Stock categories are YTD from Lipper Inc. via Investor's Business Daily. The link to the chart is here: http://lindapjones.com/fund-performance-september-30-2018 Wealth requires knowledge + action. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available o...

Learn what the pros and cons are about the Stash app. I want to stop here for a moment and talk about your health, because what good is wealth if you're not healthy? Good health is an important asset! That's why I want to tell you about Care/of. Care/of delivers your vitamins right to your door in personalized, easy to remember daily packs - perfect for a busy, on-the-go lifestyle. It's personaliz...

Learn about public service loan forgiveness programs and what you need to do to qualify. Less than 1% of people are qualifying for these programs. Learn what you need to qualify and how one woman had $50,000 of debt forgiven using them. The article is here: https://www.cnbc.com/2018/10/02/tips-from-one-of-the-first-public-servants-to-get-their-student-loans-erased.html Wealth requires knowledge +...

Learn how dollar-cost-averaging allows you to invest in the stock market at highs and lows. Dollar-cost-averaging helps take advantage of lower prices automatically, but financial advisors may argue that it's best to invest all at once. What do I recommend and why? Wealth requires knowledge + action. Get the book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to M...

Learn what cities are overvalued and which one is undervalued. According to a UBS study, many cities are overvalued. One is undervalued.  The article is here:  https://www.cnbc.com/2018/09/27/ubs-real-estate-bubble-index-reveals-property-crash-risk.html Wealth requires knowledge + action. Get the book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Rea...

Learn how to reduce debt when you can barely make ends meet, answer to a listener question. Sally asks: Hi Linda, I just wondered about your thoughts in my situation. I am in a lot of debt and so is my husband. We made a commitment to paying  it all off in 5 years and are currently in year 3. We have twins about to turn 13. My issue is whilst we are paying the  debt we are struggling to make ends...

Learn 10 hacks from an entrepreneur who became a millionaire by age 30. The article is here:  https://www.cnbc.com/2018/09/12/advice-for-entrepreneurs-millennial-multimillionaire-tips-for-success.html Wealth requires knowledge + action. Get the book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available on Amazon here: http://amzn....

Learn 3 strategies to help you recover if real estate prices decline. From the book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available on Amazon here: http://amzn.to/2Hy9qk4 Join me on Instagram.com/lindapjones. Please subscribe, rate and review the show. Today's episode is sponsored by EveryPlate. What do you do when you're to...

Learn what the next steps are after mindset and how the world's richest woman went from mindset to billionaire. Get my new book "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Click here: http://amzn.to/2Hy9qk4 Join me on Instagram for daily wealth tips at http://instagram.com/lindapjones . Please subscribe, rate and review the podcast. Ge...

Learn new trends in financial technology (fintech), apps and education. Get my new book "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Click here: http://amzn.to/2Hy9qk4 Join me on Instagram for daily wealth tips at http://instagram.com/lindapjones . Please subscribe, rate and review the podcast. Get the full library of podcasts at http:/...

Learn myths about wealth building from my own experience as I wrote about in the Wealth Heiress book. These are my own opinions from my experience building wealth. Get my new book "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Click here: http://amzn.to/2Hy9qk4 Join me on Instagram for daily wealth tips at http://instagram.com/lindapjones...

Learn why you need small caps in your asset allocation. Many people only have the S & P 500 Index in their portfolio and think they are well diversified. They aren't. Here's why small caps are and why they belong in your portfolio. Performance for this year is stellar.  How are international and emerging markets performing? Which ones are best and worst? Get my new book "You're Already a Wealth He...

Learn about what to do and not do when it comes to wills and inheritances. Interview with Doug Goldstein on The Inheritance Book. Please subscribe, rate and review the podcast. All Be Wealthy & Smart podcasts can be found here: http://lindapjones.com/podcasts Get my new book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" here: http://amz...