Real Personal Finance – Détails, épisodes et analyse

To be a home owner or not to be a home owner, that is the question – and the answer is anything but simple!

Tune in as we discuss when home ownership makes sense and when it may be better to rent. 

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Meg Bartelt on LinkedIn 
• Flow Financial Planning

Leave us a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align your money with your ideal life? Connect with us at Stone Steps Financial or Flow Financial Planning. 

Roth conversions can be a great tool for minimizing your tax burden, but you don’t want to jump in blind. If you have a 401(k) and/or an IRA, you don’t want to miss this episode.

Join us as we look at the what, when and why of Roth conversions.

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Meg Bartelt on LinkedIn 
• Flow Financial Planning

Leave us a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align your money with your ideal life? Connect with us at Stone Steps Financial or Flow Financial Planning. 

People say it’s just business, it’s not emotional, but that’s really not the case. In this episode of Real Personal Finance, Scott Frank, founder of Stone Steps Financial, and Meg Bartelt, founder of Flow Financial Planning, LLC, tackle the psychological minefield of investment decisions and uncover how recent trends, like the meteoric rise of big tech stocks, can warp your perspective. They delve into the cognitive biases, specifically recency bias, that often stand in the way of sound financial strategies and illustrate how structured systems can safeguard your portfolio against these mental pitfalls. Past performance, while tempting to rely on, is not a reliable predictor of future success. Learn how to use tolerance bands to maintain a balanced portfolio by adhering to timeless principles like "buy low, sell high." 

Ready to learn more? 

• Scott Frank on LinkedIn 
• Meg Bartelt on LinkedIn 
• Stone Steps Financial 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align your money with your ideal life? Connect with us at Stone Steps Financial. 

Scott and James discuss how to incorporate real estate as part of your retirement plan.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

3:22 - Costs of Real Estate

5:42 - Quantifying Your Real Estate Asset

8:30 - How To Determine If You Should Incorporate Real Estate

10:50 - What Are My Expenses With Real Estate?

13:14 - Alternative Real Estate Ownership Options

16:00 - What Are Your Goals Behind Owning Real Estate?

17:39 - Taxation of Real Estate

18:54 - Diversification Benefits

20:04 - Aligning Your Financial Goals

LET'S CONNECT!

James

Facebook LinkedIn Website

Scott

Facebook Twitter Website

ENJOY THE SHOW?

Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.

Leave us a review on iTunes.

Have a money question you want us to answer? Submit one here

Scott and James discuss the best way to invest your portfolio throughout retirement.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

2:45 - Target-Date Funds

4:37 - Bucket Strategy v. Total Return

8:21 - What is a Sustainable Withdrawal Rate?

11:54 - Retirement Funds Aren't All Created Equal

14:36 - What Portfolio Mix Is Right For Me?

16:25 - Benefits of Owning Multiple Funds

17:51 - Aligning Your Life With Your Financial Goals

LET'S CONNECT!

James

Facebook LinkedIn Website

Scott

Facebook Twitter Website

ENJOY THE SHOW?

Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.

Leave us a review on iTunes.

Have a money question you want us to answer? Submit one here

Scott and James discuss how to view your entire financial picture and how you can align it with your financial goals.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

2:30 - Understanding Your Net Worth

6:45 - Stock Market Volatility

9:07 - What Metrics Should I Focus On?

11:18 - Should I Decrease My Net Worth Intentionally?

13:40 - Utilizing Debt

14:09 - Inputs v. Outputs

16:15 - Aligning Your Financial Goals

LET'S CONNECT!

James

Facebook LinkedIn Website

Scott

Facebook Twitter Website

ENJOY THE SHOW?

Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.

Leave us a review on iTunes.

Have a money question you want us to answer? Submit one here

Scott and James discuss how to prioritize conflicting financial strategies.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

3:02 - Asset Location v. Asset Allocation

5:38 - International Investments

8:21 - Taxation of Retirement Accounts

11:04 - Retirement Account Penalties

14:36 - Focusing On Your Goals

17:31 - Municipal Bond Taxation

20:06 - Importance of Your Time Horizon

21:24 - Aligning Your Financial Goals

LET'S CONNECT!

James

Facebook LinkedIn Website

Scott

Facebook Twitter Website

ENJOY THE SHOW?

Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.

Leave us a review on iTunes.

Have a money question you want us to answer? Submit one here

Scott and James discuss how to invest after maxing everything else out.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

3:52 - Investing In Real Estate

4:45 - How To Use Your Balance Sheet To Achieve Your Goals

8:30 - What Is A Great Rate of Return?

12:15 - What Is Passive Real Estate Investing?

14:30 - Aspects of Real Estate Investing

16:00 - Using Leverage For Real Estate

16:54 - What Are The Risks Of Investing In Real Estate?

20:44 - How To Invest Your Time, Energy & Talent

25:31 - Aligning Your Financial Goals

LET'S CONNECT!

James

Facebook LinkedIn Website

Scott

Facebook Twitter Website

ENJOY THE SHOW?

Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.

Leave us a review on iTunes.

Have a money question you want us to answer? Submit one here

Scott and James discuss how how to plan for your goals when you got a late start.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Listener Question

4:53 - Investing In The Market

6:20 - What Is My Time-Horizon?

7:20 - The Power of Consistent Saving 

12:34 - Am I Too Old To Invest Aggressively?

15:35 - What Other Assets Can I Use To Retire?

19:00 - Retirement Expenses Example In Retirement

20:51 - Aligning Your Financial Goals

LET'S CONNECT!

James

Facebook LinkedIn Website

Scott

Facebook Twitter Website

ENJOY THE SHOW?

Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.

Leave us a review on iTunes.

Have a money question you want us to answer? Submit one here

Scott and James discuss how to view your entire financial picture and how you can align it with your financial goals.

Planning Points Discussed

• Retirement Planning
• Utilizing Time Efficiently
• Capital Appreciation
• Purchasing Power
• Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

1:30 - Introduction

2:30 - Gross Income v. Net Income

5:49 - What Percentage Are You Saving?

7:10 - How To Save For Your Different Goals

9:07 - What Is My Saving Rate?

12:18 - Living vs. Spending 

14:47 - How To View Your Taxes

16:54 - What Do I Need To Focus On?

18:55 - Aligning Your Financial Goals

LET'S CONNECT!

James

Facebook LinkedIn Website

Scott

Facebook Twitter Website

ENJOY THE SHOW?

Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.

Leave us a review on iTunes.

Have a money question you want us to answer? Submit one here