https://www.spreaker.com/podcast/kpc-smart-money--6448174
Disclosure: We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.KPC Financial Solutions LLC is a registered investment adviser located in Lewisville, TX. KPC Financial Solutions LLC may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Insurance products and services are offered and sold through KPC Financial Solutions LLC and individually licensed and appointed insurance agents.]]>enInvestingCopyright Derek Johnsonhttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/9d943f433a4faa85f13143daf13ccdc4.jpghttps://www.spreaker.com/podcast/kpc-smart-money--6448174Thu, 23 Jul 2026 11:02:11 +0000Kevin and Karin ChristKevin and Karin Christkim@kpcfinancialsolutions.comEach week, Karin and Kevin Christ will look at important issues about financial planning. They will use their experience as independent financial advisors to help leave you smarter and more informed about retirement.
Disclosure: We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.KPC Financial Solutions LLC is a registered investment adviser located in Lewisville, TX. KPC Financial Solutions LLC may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Insurance products and services are offered and sold through KPC Financial Solutions LLC and individually licensed and appointed insurance agents.]]>false176e3a3c-4d8c-521a-81d7-9ef3e1403431episodichttps://www.spreaker.com/episode/episode-171-early-parenting-money-squeeze--73113090https://api.spreaker.com/episode/73113090Thu, 23 Jul 2026 11:00:03 +0000Kevin and Karin Christ896falsefullhttps://www.spreaker.com/episode/episode-170-behind-the-paperwork--72950975
·  The client support team manages the entire back-office process after an advisor meeting — collecting sensitive info (Social Security numbers, birthdates, beneficiaries), submitting paperwork, and tracking it through insurance companies and banks, sometimes requiring calls lasting several hours (Rachel once spent four and a half hours on a call with the IRS). ·  Keeping account and bank information current is critical, since outdated details slow down how quickly clients can access their money when they need it urgently. ·  Beyond paperwork, the team emphasizes relationships and faith: they describe clients as family, pray for them (and welcome prayer requests), and value personal check-ins as much as the transactional work. ·  KPC's motto, "Knowledge, Planning, Confidence," reflects services extending beyond investments into Medicare guidance, tax considerations, and general client support.]]>https://api.spreaker.com/episode/72950975Tue, 14 Jul 2026 11:00:03 +0000Kevin and Karin ChristIn this episode of the KPC Smart Money Podcast, Rachel Walker and Liz Hanson pull back the curtain on KPC Financial Solutions' client support team, explaining everything that happens after a client's advisor meeting ends. They cover application...
·  The client support team manages the entire back-office process after an advisor meeting — collecting sensitive info (Social Security numbers, birthdates, beneficiaries), submitting paperwork, and tracking it through insurance companies and banks, sometimes requiring calls lasting several hours (Rachel once spent four and a half hours on a call with the IRS). ·  Keeping account and bank information current is critical, since outdated details slow down how quickly clients can access their money when they need it urgently. ·  Beyond paperwork, the team emphasizes relationships and faith: they describe clients as family, pray for them (and welcome prayer requests), and value personal check-ins as much as the transactional work. ·  KPC's motto, "Knowledge, Planning, Confidence," reflects services extending beyond investments into Medicare guidance, tax considerations, and general client support.]]>637falsefullhttps://www.spreaker.com/episode/episode-169-3-habits-to-change-your-retirement--72841265
Key Takeaways:

1. Pay Your Future Self Now
2. Don't Let Success Become More Expensive
3. Invest in Your Character as Much as Your Portfolio

Whitepaper: Will You Have Enough Income in Retirement? (Dually licensed version) 4 pages http://downloads.financial-resources.org/books/xtbx/#p=1]]>https://api.spreaker.com/episode/72841265Tue, 07 Jul 2026 10:00:03 +0000Kevin and Karin ChristWhat habits can you develop in your 30s and 40s that can determine your eventual success in retirement?  The best time to implement these habits is now.  Your future retired self with thank you. Automate, keep learning, seek wisdom, be content. Key...
Key Takeaways:

1. Pay Your Future Self Now
2. Don't Let Success Become More Expensive
3. Invest in Your Character as Much as Your Portfolio

Whitepaper: Will You Have Enough Income in Retirement? (Dually licensed version) 4 pages http://downloads.financial-resources.org/books/xtbx/#p=1]]>766falsefullhttps://www.spreaker.com/episode/episode-168-true-wealth-in-giving--70424891
Key Takeaways: 1) True connection in a social media driven world 2) Greater to give than receive 3) Leave a legacy of kindness 4) Be intentional and make it a life long habit.

Giveaway: 6 Keys to a Happy Retirement  -https://downloads.financial-resources.org/books/cdwo/#p=1]]>https://api.spreaker.com/episode/70424891Wed, 04 Mar 2026 11:00:03 +0000Kevin and Karin ChristBuilding financial wealth is important, giving you options, stability, and confidence. There is another wealth that makes you personally rich that requires little or no money.  It is in blessing others through giving back.  Today I am going to talk...
Key Takeaways: 1) True connection in a social media driven world 2) Greater to give than receive 3) Leave a legacy of kindness 4) Be intentional and make it a life long habit.

Giveaway: 6 Keys to a Happy Retirement  -https://downloads.financial-resources.org/books/cdwo/#p=1]]>758falsefullhttps://www.spreaker.com/episode/episode-167-meet-the-kpc-team--69850493
3-4 Takeaways:

• Team-based planning matters: Clients benefit from a coordinated structure where service advisors manage communication and follow-through while senior advisors focus on strategy and investment decisions.
• Financial planning is ongoing: Taxes, markets, laws, and personal situations constantly change, so proactive updates and regular reviews are essential.
• Behind-the-scenes work is critical: Much of the value comes from coordination, beneficiary updates, renewals, and monitoring details that keep plans on track.

Whitepaper: Your Retirement Income Planning Checklist (Dually licensed version) 24 pages http://downloads.financial-resources.org/books/qmmm/
]]>https://api.spreaker.com/episode/69850493Sat, 07 Feb 2026 18:00:02 +0000Kevin and Karin ChristIn this introductory episode of the KPC Smart Money Podcast, Bryan Christ, Jay Angotti, and Stone Bethea explain how their advisory team works together behind the scenes to support clients. They break down the roles of service advisors, senior...
3-4 Takeaways:

• Team-based planning matters: Clients benefit from a coordinated structure where service advisors manage communication and follow-through while senior advisors focus on strategy and investment decisions.
• Financial planning is ongoing: Taxes, markets, laws, and personal situations constantly change, so proactive updates and regular reviews are essential.
• Behind-the-scenes work is critical: Much of the value comes from coordination, beneficiary updates, renewals, and monitoring details that keep plans on track.

Whitepaper: Your Retirement Income Planning Checklist (Dually licensed version) 24 pages http://downloads.financial-resources.org/books/qmmm/
]]>618falsefullhttps://www.spreaker.com/episode/episode-166-memory-training--69594101
Key Takeaways: 1) Memory training can improve specific skills 2) What really protects your brain? 3) Simple daily memory routines - 15 minutes 4) Why does this work

Whitepaper: Your Retirement Income Planning Checklist (Dually licensed version) 24 pages http://downloads.financial-resources.org/books/qmmm/]]>https://api.spreaker.com/episode/69594101Mon, 26 Jan 2026 18:00:11 +0000Kevin and Karin ChristHave you seen the ads lately about how to boost your memory?  These ads promise all kinds of things.  I decided to do some research on my own to find out what actual studies show regarding memory training and what actually works.  And what will really...
Key Takeaways: 1) Memory training can improve specific skills 2) What really protects your brain? 3) Simple daily memory routines - 15 minutes 4) Why does this work

Whitepaper: Your Retirement Income Planning Checklist (Dually licensed version) 24 pages http://downloads.financial-resources.org/books/qmmm/]]>858falsefullhttps://www.spreaker.com/episode/episode-165-living-well-is-better-than-living-longer--69524879
Key Takeaways: 1) What does a good long life look like to you? 2) How to you prepare for that now? 3) Small daily choices that compound, just like money 4) Retirement is not and end, it's a new season of life

Whitepaper: 6 Keys to a Happy Retirement  -https://downloads.financial-resources.org/books/cdwo/#p=1]]>https://api.spreaker.com/episode/69524879Tue, 20 Jan 2026 22:23:01 +0000Kevin and Karin ChristThe US population is living longer, and reaching age 100 or older is not rare anymore.  With people living longer, the real goal is to live those years in good health.  Now is the time to give your future self the chance to live those years to the...
Key Takeaways: 1) What does a good long life look like to you? 2) How to you prepare for that now? 3) Small daily choices that compound, just like money 4) Retirement is not and end, it's a new season of life

Whitepaper: 6 Keys to a Happy Retirement  -https://downloads.financial-resources.org/books/cdwo/#p=1]]>705falsefullhttps://www.spreaker.com/episode/episode-164-what-s-happening-with-gold-silver-right-now--69375879
Key Takeaways:
1) Price gains on Gold & Silver during 2025
2) What is driving the price up?
3) Will it last?
4) How much price volatility is ahead
Whitepaper: Investing Basics - Use AE Creative "Understanding Market Corrections (Dually licensed version) 8 pages http://downloads.financial-resources.org/books/wjxu/#p=1]]>https://api.spreaker.com/episode/69375879Fri, 09 Jan 2026 21:55:07 +0000Kevin and Karin ChristGold and Silver prices are soaring.  So, what is causing this and will it last? Have you wondered about adding or increasing Gold and Silver in your portfolio?  On today's show we will talk about this, and what the short term sentiment is on Gold...
Key Takeaways:
1) Price gains on Gold & Silver during 2025
2) What is driving the price up?
3) Will it last?
4) How much price volatility is ahead
Whitepaper: Investing Basics - Use AE Creative "Understanding Market Corrections (Dually licensed version) 8 pages http://downloads.financial-resources.org/books/wjxu/#p=1]]>717falsefullhttps://www.spreaker.com/episode/episode-163-christian-charitable-giving--67380167
Key Takeaways:
1) In the ancient days, tithing was a way to provide for widows, orphans, and the community
2) Is a 10% tithe too hard?
3) What are some blessings and promises that come with giving
4) Important to be a cheerful giver]]>https://api.spreaker.com/episode/67380167Thu, 11 Sep 2025 11:00:08 +0000Kevin and Karin ChristHave you heard the saying it is better to give then receive?  From a Christian perspective it isn't just a nice saying, it has promises attached to it.  What does the Bible say about giving and what are some ways other than money that you can give?...
Key Takeaways:
1) In the ancient days, tithing was a way to provide for widows, orphans, and the community
2) Is a 10% tithe too hard?
3) What are some blessings and promises that come with giving
4) Important to be a cheerful giver]]>895falsefullhttps://www.spreaker.com/episode/episode-162-top-5-financial-mistakes-ages-30-40--67380164
Key Takeaways:
1) Lifestyle Creep
2) Delaying Retirement Contributions
3) Ignoring the "What ifs"
4) Not Having a Cash Cushion
5) Going it Alone]]>https://api.spreaker.com/episode/67380164Thu, 04 Sep 2025 11:00:08 +0000Kevin and Karin ChristBetween the ages of 30 and 40, you are setting the financial foundation for your entire life. We often see potential clients that wished they knew about this mistakes when they were younger.  So listen in to avoid this mistakes that can impact you for...
Key Takeaways:
1) Lifestyle Creep
2) Delaying Retirement Contributions
3) Ignoring the "What ifs"
4) Not Having a Cash Cushion
5) Going it Alone]]>684falsefullhttps://www.spreaker.com/episode/episode-161-smart-money-parenting--67380158
Key Takeaways:
1) Ideas for ages 5-10
2) Ideas for ages 11-14
3) Ideas for ages 15-18
4) How not to spoil kids]]>https://api.spreaker.com/episode/67380158Thu, 28 Aug 2025 13:51:14 +0000Kevin and Karin ChristToday we will look at how you can raise financially savvy kids, and not spoil them.  It is easy to want to buy our kids and grandkids whatever they want if we have the financial means to do that.  However, what could happen when they grow up?  Best to...
Key Takeaways:
1) Ideas for ages 5-10
2) Ideas for ages 11-14
3) Ideas for ages 15-18
4) How not to spoil kids]]>835falsefullhttps://www.spreaker.com/episode/episode-160-stockbroker-vs-investment-advisor--67380143
Key Takeaways:

1. What are the regulatory entities each is responsible to?
2. What standards are they held to based on their licensing?
3. How are each typically paid
4. What services do each provide

]]>https://api.spreaker.com/episode/67380143Thu, 21 Aug 2025 11:00:08 +0000Kevin and Karin ChristWhen seeking help on your stock market investments, do you find it confusing regarding services provided and advisor licensing?  There are many people that call themselves Investment Advisors, but are they really?  Today we discuss the differences...
Key Takeaways:

1. What are the regulatory entities each is responsible to?
2. What standards are they held to based on their licensing?
3. How are each typically paid
4. What services do each provide

]]>767falsefullhttps://www.spreaker.com/episode/episode-159-our-new-book--67380137
Key Takeaways:

1. Answers to frequently asked questions
2. Retirement planning tools many people don't know about
3. What the writing process was like

]]>https://api.spreaker.com/episode/67380137Fri, 15 Aug 2025 17:58:43 +0000Kevin and Karin ChristOur book is now on Amazon! "Create Your Best Retirement" Today we share why we wrote it, our hopes for the book, and a little behind the scenes on writing it.  We kept seeing clients struggling with the same financial blind spots and we knew we had to...
Key Takeaways:

1. Answers to frequently asked questions
2. Retirement planning tools many people don't know about
3. What the writing process was like

]]>755falsefullhttps://www.spreaker.com/episode/episode-158-investing-101-a-beginner-s-guide--65350121KPCFinancialSolutions.com.

Key Takeaways:

1. Investing means your money can make you more money
2. Common Types of Investments
3. Risk & Diversification
4. How to get started

]]>https://api.spreaker.com/episode/65350121Thu, 10 Apr 2025 10:00:07 +0000Kevin and Karin ChristMany people feel inadequate or even fearful about investing.  We find it is just a lack of understanding on how it works, or a fear of losing money.  You need investments in order for your money to outpace inflation and to make your money work for...KPCFinancialSolutions.com.

Key Takeaways:

1. Investing means your money can make you more money
2. Common Types of Investments
3. Risk & Diversification
4. How to get started

]]>678falsefullhttps://www.spreaker.com/episode/episode-157-midlife-money-reset-if-you-didn-t-learn-the-basics-growing-up--65350087
Key Takeaways:

1. Never too late
2. Budgeting
3. Saving
4. Debt

]]>https://api.spreaker.com/episode/65350087Fri, 04 Apr 2025 15:05:37 +0000Kevin and Karin ChristWe encounter people frequently that say their parents weren't good at money and so they never learned how to manage their finances.  If this is you, or you wnat to make sure you know the basics of financial planning, this podcast is for you.  It is...
Key Takeaways:

1. Never too late
2. Budgeting
3. Saving
4. Debt

]]>770falsefullhttps://www.spreaker.com/episode/episode-156-wealth-building-habits--64862803
Key Takeaways:

• Pay yourself first
• Live below your means
• Invest consistently
• Build multiple income streams
• Keep learning and networking

]]>https://api.spreaker.com/episode/64862803Thu, 20 Mar 2025 11:00:07 +0000Kevin and Karin ChristWealth isn't just about making money, it is about how you manage it.  We will share 5 habits of successful people that can put you on the path to financial freedom.  These habits are repeatable, and very powerful when done consistently. Key...
Key Takeaways:

• Pay yourself first
• Live below your means
• Invest consistently
• Build multiple income streams
• Keep learning and networking

]]>821falsefullhttps://www.spreaker.com/episode/episode-155-why-buy-gold--64862783
Key Takeaways:

• Gold has intrinsic value and has been used as money for thousands of years
• Gold can be a safe haven during turbulent times
• Diversification of investments - generally not to exceed 10-15% of total wealth
• We like pre-1933 coins

]]>https://api.spreaker.com/episode/64862783Thu, 13 Mar 2025 14:40:06 +0000Kevin and Karin ChristI'm sure you've seen the TV ads to buy gold and silver.  Is this a good idea?  Many people own physical gold and silver, and some have stock market investments in precious metals.  But why buy gold or silver?  Today we talk about 8 reasons gold has...
Key Takeaways:

• Gold has intrinsic value and has been used as money for thousands of years
• Gold can be a safe haven during turbulent times
• Diversification of investments - generally not to exceed 10-15% of total wealth
• We like pre-1933 coins

]]>771falsefullhttps://www.spreaker.com/episode/episode-154-importance-of-designating-beneficiaries--64451703
Key takeaways:

1. Regularly review and update your beneficiaries on ALL assets: bank, investment & retirement accounts, insurance products
2. Do you know the differences in how beneficiaries are paid out depending on the type of investment?
3. Life events: marriage, divorce, new children and grandchildren
4. Some real life stories of what can go wrong

]]>https://api.spreaker.com/episode/64451703Thu, 20 Feb 2025 12:00:07 +0000Kevin and Karin ChristWhat could happen if you don't keep your beneficiaries up to date on all of your assets?  Today we are talking about why it is important to always verify your beneificiaries when there is a life change, and periodically to have confidence when you are...
Key takeaways:

1. Regularly review and update your beneficiaries on ALL assets: bank, investment & retirement accounts, insurance products
2. Do you know the differences in how beneficiaries are paid out depending on the type of investment?
3. Life events: marriage, divorce, new children and grandchildren
4. Some real life stories of what can go wrong

]]>847falsefullhttps://www.spreaker.com/episode/episode-153-digital-currency--64052273
Key Takeaways:

1. What is digital currency
2. How is it different if offered by financial institutions vs governments
3. Is digital currency here to stay
4. How will it effect you?

]]>https://api.spreaker.com/episode/64052273Thu, 13 Feb 2025 12:00:08 +0000Kevin and Karin ChristIs Digital Currency here to stay?  And if so, what is it and what are the benefits and drawbacks?  The two primary supporters of digital currency are banks and the government. This week learn some of the basics on digital currency. Key Takeaways: -...
Key Takeaways:

1. What is digital currency
2. How is it different if offered by financial institutions vs governments
3. Is digital currency here to stay
4. How will it effect you?

]]>690falsefullhttps://www.spreaker.com/episode/episode-152-effects-of-the-election--64052258
Key Takeaways:

1. Increasing revenue with energy and tariffs
2. DOGE - can it bring down unnecessary government spending
3. Government regulations setting businesses free to flourish
4. Impact on taxes and inflation

]]>https://api.spreaker.com/episode/64052258Thu, 06 Feb 2025 12:00:07 +0000Kevin and Karin ChristWe will talk about some of the tremendous changes we have seen in just one week of the new Presidential Administration. What is being implemented that can reduce the troublesome federal debt and bring American back to a solid future. Key Takeaways: -...
Key Takeaways:

1. Increasing revenue with energy and tariffs
2. DOGE - can it bring down unnecessary government spending
3. Government regulations setting businesses free to flourish
4. Impact on taxes and inflation

]]>752falsefullhttps://www.spreaker.com/episode/episode-151-tax-free-retirement-with-fixed-indexed-universal-life-fiul--63717656
Key Takeaways:

• Build tax free cash value
• Surviving spouse tax free income replacement
• Long Term Care benefits
• Tax Free death benefit for your heirs
• Not included in assets for college planning and the FAFSA

]]>https://api.spreaker.com/episode/63717656Thu, 30 Jan 2025 12:00:08 +0000Kevin and Karin ChristHow can you create tax free income and legacy for retirement?  One of the most powerful tools is unfortunately not talked about enough.  It is called Fixed Indexed Universal Life, and it has multiple benefits both while you are living and when you are...
Key Takeaways:

• Build tax free cash value
• Surviving spouse tax free income replacement
• Long Term Care benefits
• Tax Free death benefit for your heirs
• Not included in assets for college planning and the FAFSA

]]>793falsefullhttps://www.spreaker.com/episode/episode-150-your-investment-risk-tolerance--63717647
Key Takeaways:

• Conservative
• Moderately Conservative
• Moderate
• Moderately Aggressive
• Aggressive

]]>https://api.spreaker.com/episode/63717647Thu, 23 Jan 2025 12:00:07 +0000Kevin and Karin ChristWe all have a risk tolerance - how much risk td you want to take for the commensurate reward? In stock market investing, risk is defined by 5 categories.  Today we explain each category and debunk some of the myths that it is based only on age. Key...
Key Takeaways:

• Conservative
• Moderately Conservative
• Moderate
• Moderately Aggressive
• Aggressive

]]>797falsefullhttps://www.spreaker.com/episode/episode-149-new-years-resolutions-2025--63717638
Key Takeaways:

• Increasing physical fitness without a gym membership
• Simple weight loss techniques
• Written goals for faith, family, work and health

]]>https://api.spreaker.com/episode/63717638Thu, 16 Jan 2025 20:15:49 +0000Kevin and Karin ChristJanuary is historically the time to make resolutions to improve our lives.  Unfortunately, about 90% of people will not be able to keep their resolutions.  Today we will talk about making small steps that can become permanent habits. Key Takeaways: -...
Key Takeaways:

• Increasing physical fitness without a gym membership
• Simple weight loss techniques
• Written goals for faith, family, work and health

]]>764falsefullhttps://www.spreaker.com/episode/episode-148-financial-tips-for-college-students--63340111

Know about student aid, borrowing and college savings plans

Take advantage of student discounts, scholarships, and other available money

When and how to repay student loans

Prepare for emergencies 

]]>d1b1332a-1177-45aa-a6b5-5e3078023febThu, 08 Aug 2024 16:16:00 +0000Kevin and Karin ChristThere are a lot of financial things college students are not necessarily prepared for when they head to college. If you are a student or have a loved one that is starting college, share these tips and help them avoid some of the financial surprises...

Know about student aid, borrowing and college savings plans

Take advantage of student discounts, scholarships, and other available money

When and how to repay student loans

Prepare for emergencies 

]]>687false1148fullhttps://www.spreaker.com/episode/episode-147-passive-vs-active-investing--63340112

Is modern portfolio theory relevant today

Poor Performance of Bonds

Active Investing algorithms better on downside than upside

Diversification in and out of the stock market

]]>33074ea1-5b95-4d5f-9c69-da417dbf253aThu, 25 Jul 2024 10:00:00 +0000Kevin and Karin ChristHave you heard about Passive and Active Investing and wondered what that means?  Today we will explain what these are and the pros and cons of each investment philosophy. Key takeaways: - Is modern portfolio theory relevant today - Poor...

Is modern portfolio theory relevant today

Poor Performance of Bonds

Active Investing algorithms better on downside than upside

Diversification in and out of the stock market

]]>724false1147fullhttps://www.spreaker.com/episode/episode-146-get-rid-of-your-ticking-tax-bomb--63340113

401k distribution/rollover biggest check you may ever get

What should you do with it?

Diffuse this ticking tax bomb

Worst assets to leave your beneficiaries

]]>139455ca-4a3f-486a-b503-5b7d8a7d5fffThu, 18 Jul 2024 10:00:00 +0000Kevin and Karin ChristEd Slott is a CPA and one of my favorite experts on all things tax related.  If you have deferred accounts like 401k, 403b, 457, or IRAs you have a ticking tax bomb. Looking over your entire retirement and where government spending is, our expectation...

401k distribution/rollover biggest check you may ever get

What should you do with it?

Diffuse this ticking tax bomb

Worst assets to leave your beneficiaries

]]>768false1146fullhttps://www.spreaker.com/episode/episode-145-money-lessons-for-your-kids--63340116

Children will value what they earn more than what is given to them

Teach Your Kids how to Lose Money

The power of compounding when you start early

The spending acid test - 3 questions

Teach Your Kids to Give to Others

]]>ec1be842-b812-4c09-a8d4-6130600b0ea2Fri, 28 Jun 2024 10:00:00 +0000Kevin and Karin ChristTeaching your kids about money depends on you, the Parents. We want to share some of the money lessons we learned from our Fathers in honor of Father's Day and share some practical lessons you can teach your children or grandchildren.  You have the...

Children will value what they earn more than what is given to them

Teach Your Kids how to Lose Money

The power of compounding when you start early

The spending acid test - 3 questions

Teach Your Kids to Give to Others

]]>762false1145fullhttps://www.spreaker.com/episode/episode-144-family-fun-on-a-budget--63340115

Use resources like Pinterest to help you with ideas

Look at options near where you live

Join groups that can help with planning fun outings

Fun doesn't have to cost a lot of money

]]>f4810ee3-f969-4e82-b098-763ada70522cFri, 21 Jun 2024 10:00:00 +0000Kevin and Karin ChristAre you looking for fun things to do with your children or grandchildren that are budget friendly?  This week we share no and low cost indoor activities, outdoor activities and educational and community activities. Key takeaways: - Use resources...

Use resources like Pinterest to help you with ideas

Look at options near where you live

Join groups that can help with planning fun outings

Fun doesn't have to cost a lot of money

]]>749false1144fullhttps://www.spreaker.com/episode/episode-143-summer-jobs-for-kids--63340122

K - 3rd grade - Lemonade Stands & Chores

4th-7th grade - Babysitting, Mother's Helper or Pet Sitting

9th - 10th grade - Tutoring, gardening, house maintenance

11th - 12th grade - Retail jobs, freelance work

]]>60dd93fa-be42-4d13-b815-2101dd56daa4Fri, 31 May 2024 10:00:00 +0000Kevin and Karin ChristTeaching children to make and save money can start as young as kindergarten and should be a skill that is learned long before they leave the nest.  Today Kevin and I will talk about some fun ideas for children to make some money over the summer.  And...

K - 3rd grade - Lemonade Stands & Chores

4th-7th grade - Babysitting, Mother's Helper or Pet Sitting

9th - 10th grade - Tutoring, gardening, house maintenance

11th - 12th grade - Retail jobs, freelance work

]]>843false1143fullhttps://www.spreaker.com/episode/episode-142-rainy-day-funds--63340117

Unexpected expenses like repairs, medical and other bills

Avoid debt, use savings

Job or Income disruption

Financial security & freedom

]]>8c33803d-1476-4af0-abec-ff7b5e2c3a29Fri, 24 May 2024 19:28:00 +0000Kevin and Karin ChristFinancial rainy days will come, are you prepared?  Today we talk about how and why you want to have a rainy day, or emergency fund.  We believe everyone should have one.   Key takeaways: - Unexpected expenses like repairs, medical and other bills...

Unexpected expenses like repairs, medical and other bills

Avoid debt, use savings

Job or Income disruption

Financial security & freedom

]]>731false1142fullhttps://www.spreaker.com/episode/episode-141-happy-mother-s-day-2024--63340127

Moms have many varied roles and responsibilities

Stay at home and working Moms

Mom's are learning as they go and yet teaching their children at the same time

Use all the resources available to you - Mom groups, books, your own Mom

 ]]>36eb2c9f-02b5-41ce-8cce-cc7d856be1afThu, 09 May 2024 18:42:00 +0000Kevin and Karin ChristBeing a Mom is the most important "job" in life.  It is the most fulfilling, and sometimes heart wrenching, thing you will ever do.  Moms makes tough decisions and choice all the time.  Today we want to celebrate all Mother's and thank you with all...

Moms have many varied roles and responsibilities

Stay at home and working Moms

Mom's are learning as they go and yet teaching their children at the same time

Use all the resources available to you - Mom groups, books, your own Mom

 ]]>941false1141fullhttps://www.spreaker.com/episode/episode-140-finances-for-people-getting-married-part-2--63340114

Wedding budgets & expectations

The wedding is just the first day of the rest of your life

Common or Community property state

Taxes in Marriage

]]>9d97ce9e-aa7d-43ab-be8a-a4f8b2e593f5Thu, 15 Feb 2024 11:00:00 +0000Kevin and Karin ChristYou are getting married and your life is going to change in many ways.  An often-overlooked topic however is finances, yet it is one of the top reasons for marital stress. Here are our thoughts on what to discuss and plan for when you are getting...

Wedding budgets & expectations

The wedding is just the first day of the rest of your life

Common or Community property state

Taxes in Marriage

]]>754false1140fullhttps://www.spreaker.com/episode/episode-139-finances-for-people-getting-married-part-1--63340124

Do you know your partner's income, debt, spending habits and credit score?

Do you plan on merging finances or keeping them separate?

What will your new household budget be?

What are your attitudes towards saving and spending?

]]>db7bf8ca-9ad2-48ef-a5a1-eb26ae32e5e9Thu, 08 Feb 2024 11:00:00 +0000Kevin and Karin ChristYou are getting married and your life is going to change in many ways.  An often-overlooked topic however is finances, yet it is one of the top reasons for marital stress. Here are our thoughts on what to discuss and plan for when you are getting...

Do you know your partner's income, debt, spending habits and credit score?

Do you plan on merging finances or keeping them separate?

What will your new household budget be?

What are your attitudes towards saving and spending?

]]>834false1139fullhttps://www.spreaker.com/episode/episode-138-creating-dividend-income-part-2--63340118

Reinvest the dividends or take as income

High Yield versus growth

Be prepared for Volatility

Be diversified

]]>b8843191-bf2f-416b-9156-a9dda5509f71Fri, 02 Feb 2024 16:46:00 +0000Kevin and Karin ChristGenerating income from dividends isn't just for retired people.  It is a great strategy to have in your investment portfolio.  But what companies should you invest in and how to you set up a diversified dividend portfolio? We will answer these...

Reinvest the dividends or take as income

High Yield versus growth

Be prepared for Volatility

Be diversified

]]>780false1138fullhttps://www.spreaker.com/episode/episode-137-creating-dividend-income-part-1--63340119

What are dividends?

How to Build a dividend paying portfolio

What types of dividend paying stock to look for

]]>c6d052f6-90bc-41aa-907f-61960d69f8d6Thu, 25 Jan 2024 11:00:00 +0000Kevin and Karin ChristGenerating income from dividends isn't just for retired people.  It is a great strategy to have in your investment portfolio.  But what companies should you invest in and how to you set up a diversified dividend portfolio? We will answer these...

What are dividends?

How to Build a dividend paying portfolio

What types of dividend paying stock to look for

]]>796false1137fullhttps://www.spreaker.com/episode/episode-136-financial-planning-tips-for-new-parents-part-2--63340125

Tax Breaks for Parents

Update Tax Withholdings

Start saving for College

Childcare

Find a Financial Planner or Take Some Classes

]]>10c9d9c2-2172-420e-80b9-1a0d97b06a1bThu, 18 Jan 2024 11:00:00 +0000Kevin and Karin ChristIn this 2 part series we talk about some of the important financial decisions when becoming new parents.  There is so much that will change as you prepare and learn about parenthood and the financial aspects can be ignored or dropped.  Listen in today...

Tax Breaks for Parents

Update Tax Withholdings

Start saving for College

Childcare

Find a Financial Planner or Take Some Classes

]]>840false1136fullhttps://www.spreaker.com/episode/episode-135-financial-planning-tips-for-new-parents-part-1--63340120

Employer and State options for income while on maternity leave

Budget and Spending Plan

Life & Disability Insurance

Emergency and Retirement Savings

Create or Update Your Will

]]>8dc2d9d9-4a6d-4adc-89d7-ebea92ae2ed7Thu, 11 Jan 2024 16:32:16 +0000Kevin and Karin ChristIn this 2 part series we talk about some of the important financial decisions when becoming new parents.  There is so much that will change as you prepare and learn about parenthood and the financial aspects can be ignored or dropped.  Listen in today...

Employer and State options for income while on maternity leave

Budget and Spending Plan

Life & Disability Insurance

Emergency and Retirement Savings

Create or Update Your Will

]]>754false1135fullhttps://www.spreaker.com/episode/episode-134-is-1million-enough-to-retire--63340123

What is your spending?

Do you have money set aside for fun and lifestyle?

Do you have tax free income in retirement?

What about increasing health care costs as you get older?

]]>3b0f508e-afef-4ed3-b46e-a664c45aaf96Thu, 04 Jan 2024 15:08:00 +0000Kevin and Karin ChristHave you heard the saying "If you have a million dollars saved in retirement, and just withdraw 4% you can retire"?  Today we talk about how that doesn't always work.  The key to retirement is spending.  And you want to have enough to cover not just...

What is your spending?

Do you have money set aside for fun and lifestyle?

Do you have tax free income in retirement?

What about increasing health care costs as you get older?

]]>706false1134fullhttps://www.spreaker.com/episode/episode-133-avoid-christmas-overspending--63340131

Secret Santa - one gift per adult

Kids don't need lots of expensive toys

Love is about your time & affection, not gifts

Write "You are Special because" letters

]]>a3e05a1f-d504-43dc-bd97-239fc57a6a03Thu, 16 Nov 2023 11:00:00 +0000Kevin and Karin ChristHave you ever overspent at Christmas and had big credit card bills in January?  That can take some of the fun out of gift giving at Christmas and can hurt your financial plans.  Here are some ideas to keep Christmas spending down. Key takeaways: -...

Secret Santa - one gift per adult

Kids don't need lots of expensive toys

Love is about your time & affection, not gifts

Write "You are Special because" letters

]]>738false1133fullhttps://www.spreaker.com/episode/episode-132-our-christmas-traditions--63340130

Our Christmas Meals - then and now

Family Gift Giving

Christmas decorations

Family Gatherings

]]>c0293671-33f0-46be-8b49-d46f7a8c6f15Thu, 09 Nov 2023 21:14:00 +0000Kevin and Karin ChristWe all have family Christmas Traditions, and they change over time and as we and our children build traditions of their own.  This week we share some of our family traditions.  Enjoy! Key takeaways: - Our Christmas Meals - then and now - Family...

Our Christmas Meals - then and now

Family Gift Giving

Christmas decorations

Family Gatherings

]]>785false1132fullhttps://www.spreaker.com/episode/episode-131-what-about-gold-and-silver--63340133

Do you due diligence on who is selling gold/silver products

Watch out for fear tactics and high commissions

Wealth protection

Pre 1933 coins - what are they and why are they unique

]]>a8084732-d04f-447e-ac73-3492680783aaThu, 14 Sep 2023 10:00:00 +0000Kevin and Karin ChristAs the economy is experiencing inflation and recession and the stock market is volatile, people are asking about whether adding gold and silver to their investments is a good idea.  You need to watch out for certain things when buying gold and...

Do you due diligence on who is selling gold/silver products

Watch out for fear tactics and high commissions

Wealth protection

Pre 1933 coins - what are they and why are they unique

]]>790false1131fullhttps://www.spreaker.com/episode/episode-130-inflation-tips--63340151

What causes inflation

Demand pull, cost push and money supply

Reduce or delay discretionary & large purchases

Some tips for making additional money

]]>499863c9-a4c9-4e48-8901-eaf6cd558a4dThu, 07 Sep 2023 15:51:00 +0000Kevin and Karin ChristMany people are wondering what can I do financially to survive the current inflation.  Today we are going to talk about causes of inflation and how to protect your savings.  This is an important conversation that effects all of us. Key Takeaways: -...

What causes inflation

Demand pull, cost push and money supply

Reduce or delay discretionary & large purchases

Some tips for making additional money

]]>857false1130fullhttps://www.spreaker.com/episode/episode-129-money-wisdom-for-kids--63340153

Saving money & delaying purchases

What to do if someone asks to borrow money

What would you tell your younger self if you could

One thing you bought that you regret

Financial Basics - Use AE Creative "Five Retirement Planning Missteps" http://downloads.financial-resources.org/books/wrby/#p=4 ]]>d50a27c0-ded6-42d3-b322-f46ee5f8a48fThu, 06 Jul 2023 10:00:00 +0000Kevin and Karin ChristAre you talking about money with your children or grandchildren?  Unfortunately, many parents are not talking about money with their children, and just leaving it up to them to figure out how to be financially responsible adults someday.  Today we...

Saving money & delaying purchases

What to do if someone asks to borrow money

What would you tell your younger self if you could

One thing you bought that you regret

Financial Basics - Use AE Creative "Five Retirement Planning Missteps" http://downloads.financial-resources.org/books/wrby/#p=4 ]]>731false1129fullhttps://www.spreaker.com/episode/episode-128-clean-your-financial-house--63340158

Purge the Paper and Get Digital Backup

Consolidate Accounts

Automate Savings

Check your Financial Goals

Will You Have Enough Income in Retirement? http://downloads.financial-resources.org/books/xtbx/#p=1 ]]>3151cd24-30b1-4c06-8800-cbcedded85fbThu, 01 Jun 2023 10:00:00 +0000Kevin and Karin ChristJust like you might spring clean your home, you can clean your financial house.  This week we will give you tips on how to reduce your financial clutter. Just like spring cleaning, these are good habits to develop on a regular basis. Key takeaways:...

Purge the Paper and Get Digital Backup

Consolidate Accounts

Automate Savings

Check your Financial Goals

Will You Have Enough Income in Retirement? http://downloads.financial-resources.org/books/xtbx/#p=1 ]]>817false1128fullhttps://www.spreaker.com/episode/episode-127-how-to-weather-a-recession--63340126

Don't Buy into the Headlines

Resist Impulsive Actions

Make Time to Relax

Expand Your Outlook

Investing Basics - Use AE Creative "Understanding Market Corrections (Dually licensed version) 8 pages  http://downloads.financial-resources.org/books/wjxu/#p=1 ]]>1b3fb737-80c8-443b-bfab-083936b5d071Thu, 25 May 2023 18:12:00 +0000Kevin and Karin ChristAre you worried about a major recession?  Worrying won't help, and isn't good for you.  The economy is cyclical and will experience times of recession.  Listen this week to find out how to avoid anxiety. Key takeaways: - Don't Buy into the...

Don't Buy into the Headlines

Resist Impulsive Actions

Make Time to Relax

Expand Your Outlook

Investing Basics - Use AE Creative "Understanding Market Corrections (Dually licensed version) 8 pages  http://downloads.financial-resources.org/books/wjxu/#p=1 ]]>762false1127fullhttps://www.spreaker.com/episode/episode-126-happiness-in-retirement-part-2--63340166

Develop a grateful spirit

Learn something new

Find new adventures

Whitepapers: Your Retirement Income Planning Checklist (Dually licensed version) 24 pages  http://downloads.financial-resources.org/books/qmmm/ ]]>5161feb7-c02f-47be-8530-5b5aadf85a6eThu, 04 May 2023 10:00:00 +0000Kevin and Karin ChristIn this two-part series we will give some ideas on how to be happy in retirement, assuming you have already handled the financial aspects.  What are you going to do with the extra 2,000 hours per year you will have?  Often people don't plan for what...

Develop a grateful spirit

Learn something new

Find new adventures

Whitepapers: Your Retirement Income Planning Checklist (Dually licensed version) 24 pages  http://downloads.financial-resources.org/books/qmmm/ ]]>738false1126fullhttps://www.spreaker.com/episode/episode-125-happiness-in-retirement-part-1--63340167

To enjoy wealth you need good health

Companionship is vital

You need a sense of purpose

Whitepapers: Your Retirement Income Planning Checklist (Dually licensed version) 24 pages  http://downloads.financial-resources.org/books/qmmm/ ]]>ab961ffa-e3d4-4dc7-a675-c8bec7edf331Thu, 27 Apr 2023 10:00:00 +0000Kevin and Karin ChristIn this two-part series we will give some ideas on how to be happy in retirement, assuming you have already handled the financial aspects.  What are you going to do with the extra 2,000 hours per year you will have?  Often people don't plan for what...

To enjoy wealth you need good health

Companionship is vital

You need a sense of purpose

Whitepapers: Your Retirement Income Planning Checklist (Dually licensed version) 24 pages  http://downloads.financial-resources.org/books/qmmm/ ]]>782false1125fullhttps://www.spreaker.com/episode/episode-124-summer-fun-for-kids--63340128

Outdoor Ideas

Indoor Ideas

Educational Ideas

Acts of Kindness

]]>3d656a05-37c3-4ccb-8c85-b2a591bf7ad2Thu, 06 Apr 2023 10:00:00 +0000Kevin and Karin ChristKids and Grandkids will be out of school for the summer soon.  On this podcast we will talk about the fun things we did as children, and offer some ideas to make summer break fun.  And create lasting memories for the school aged children in your life....

Outdoor Ideas

Indoor Ideas

Educational Ideas

Acts of Kindness

]]>758false1124fullhttps://www.spreaker.com/episode/episode-123-is-pet-insurance-a-good-idea--63340135

Injuries to dogs or cats can cost $1,000s

84% of pet insurance issued by 4 carriers

Plan can have deductibles & reimbursement percentages

Other ways to save on Pet Care

]]>d0c584fa-62ce-4f57-a950-521dfbe31606Thu, 30 Mar 2023 10:00:00 +0000Kevin and Karin ChristPets are an important part of many families.  Our "furry babies" can get injured and sick, and the vet costs can be very expensive.  So, should you buy Pet Insurance? Key takeaways: - Injuries to dogs or cats can cost $1,000s - 84% of pet...

Injuries to dogs or cats can cost $1,000s

84% of pet insurance issued by 4 carriers

Plan can have deductibles & reimbursement percentages

Other ways to save on Pet Care

]]>727false1123fullhttps://www.spreaker.com/episode/episode-122-final-expense-planning--63340121

Final Expense life insurance is a small death benefit meant to pay for your funeral

Final Expense plans still require minimal underwriting, and you will pay the premiums for life

Preplanned funeral packages lock in pricing today's costs

All aspects of your funeral are already planned and paid for

]]>fd4e6a88-c1b9-43db-9c16-82ef2a638acdThu, 23 Mar 2023 11:00:00 +0000Kevin and Karin ChristDo you know the difference between final expense life insurance and pre planned funeral packages?  The cost of funerals increases between 5-7% per year.  Since you already know that you will need a funeral at some time in the your life, why not plan...

Final Expense life insurance is a small death benefit meant to pay for your funeral

Final Expense plans still require minimal underwriting, and you will pay the premiums for life

Preplanned funeral packages lock in pricing today's costs

All aspects of your funeral are already planned and paid for

]]>817false1122fullhttps://www.spreaker.com/episode/episode-121-why-go-on-short-term-missions-ecuador--63340148

What we enjoy about Ecuadorians

Geographical & Economic highlights of Quito

Medical Tents bring blood pressure & sugar readings, and eyeglasses

How you can bring hope to remote villages

]]>4fb19ec0-93a5-4dca-831e-760727fae070Thu, 16 Mar 2023 11:00:00 +0000Kevin and Karin ChristOn the next 2 weeks of podcasts, we will share our experiences with short term missions.  We hope you enjoy our insights on the people, their living conditions, and how to make a positive impact in their lives. This week we will talk about Ecuador....

What we enjoy about Ecuadorians

Geographical & Economic highlights of Quito

Medical Tents bring blood pressure & sugar readings, and eyeglasses

How you can bring hope to remote villages

]]>782false1121fullhttps://www.spreaker.com/episode/episode-120-why-go-on-short-term-missions-cuba--63340147

What does socialism really look like

Poverty in Cuba vs poverty in the US

Money manipulation in Cuba

Many Cubans have never seen an American

]]>e9ac16c6-799d-4821-8ae6-9860a1ccdbdcThu, 09 Mar 2023 11:00:00 +0000Kevin and Karin ChristOn the next 2 weeks of podcasts, we will share our experiences with short term missions.  We hope you enjoy our insights on the people, their living conditions, and how to make a positive impact in their lives. This week we will talk about Cuba. Key...

What does socialism really look like

Poverty in Cuba vs poverty in the US

Money manipulation in Cuba

Many Cubans have never seen an American

]]>737false1120fullhttps://www.spreaker.com/episode/episode-119-best-safe-interest-earning-options--63340137

Online High Yield Savings accounts

How to find one that is right for you

I-Bonds - how they work and what they are paying

]]>408a9b84-2056-422e-ba23-2a244a57a611Thu, 26 Jan 2023 11:00:00 +0000Kevin and Karin ChristMany people are accumulating cash out of concern for stock market losses.  We see many people that are frustrated though as safe alternatives for their cash often are not earning enough to keep up with inflation.  Today we talk about safe and liquid...

Online High Yield Savings accounts

How to find one that is right for you

I-Bonds - how they work and what they are paying

]]>766false1119fullhttps://www.spreaker.com/episode/episode-118-2022-market-review--63340138

The impact of rising interest, inflation and recession in the same year

Review of key metrics for 2022

3rd worst year in stock market history for 60/40 plans

]]>a44b19a6-ec69-4e71-ac85-7a83e35fd79eThu, 19 Jan 2023 11:00:00 +0000Kevin and Karin Christ2022 was a unique year for the stock market as many negative factors came together at the same time.  The US hasn't seen this combination before: stocks and bonds both down, inflation, and some say a recession.  So do traditional 60/40 investment...

The impact of rising interest, inflation and recession in the same year

Review of key metrics for 2022

3rd worst year in stock market history for 60/40 plans

]]>756false1118fullhttps://www.spreaker.com/episode/episode-117-simple-positive-resolutions--63340152

Wake up every morning with a simple positive statement

Recognize happy moments when you are in them

Is this current issue long term?  If not, let it go

Don't procrastinate, get things done as they come up

]]>ed9bfefe-d5e3-44b7-ae09-d85164f68160Thu, 12 Jan 2023 11:00:00 +0000Kevin and Karin ChristEver make "big" New Year's resolutions that were onerous, difficult, and didn't last long?  We all have.  So instead, try some of these simple resolutions that are small steps to big change. Key Takeaways: - Wake up every morning with a simple...

Wake up every morning with a simple positive statement

Recognize happy moments when you are in them

Is this current issue long term?  If not, let it go

Don't procrastinate, get things done as they come up

]]>789false1117fullhttps://www.spreaker.com/episode/episode-116-new-year-habits-part-2--63340136

Get healthy, good breakfast, drink more water, sleep 7-8 hours a night

Be proud of yourself, reflects on your good qualities and your strengths

Plan! Your next day's goals & outfit, monthly goals, and daily to do's

Think in solutions, not problems

]]>2f597794-d4cd-4ad3-91cf-3766375093f3Thu, 05 Jan 2023 11:00:00 +0000Kevin and Karin ChristWe have all tried New Year's Resolutions that didn't last long.  Instead of resolutions, try adding simple new habits.  We hope you can take one, two, or just a few of these simple habits and make them a part of your New Year.  Our hope for you is...

Get healthy, good breakfast, drink more water, sleep 7-8 hours a night

Be proud of yourself, reflects on your good qualities and your strengths

Plan! Your next day's goals & outfit, monthly goals, and daily to do's

Think in solutions, not problems

]]>812false1116fullhttps://www.spreaker.com/episode/episode-115-new-year-habits-part-1--63340164

Count your blessings, and let those you love know what you think of them

Journals, bucket lists, and to do lists

Help others, be kind, stop judging others

]]>f80272b0-d747-4546-90a2-34fbd63c82cdThu, 29 Dec 2022 11:00:00 +0000Kevin and Karin ChristWe have all tried New Year's Resolutions that didn't last long.  Instead of resolutions, try adding simple new habits.  We hope you can take one, two, or just a few of these simple habits and make them a part of your New Year.  Our hope for you is...

Count your blessings, and let those you love know what you think of them

Journals, bucket lists, and to do lists

Help others, be kind, stop judging others

]]>784false1115fullhttps://www.spreaker.com/episode/episode-114-new-grandparent-tips--63340157

Keep your advice to yourself

Listen to the parents

Help when you can, and that includes the parents

Follow the parent's rules

]]>d902ef9f-f098-4348-bb6e-ddfcbd062795Thu, 22 Dec 2022 11:00:00 +0000Kevin and Karin ChristWhat an exciting time becoming a new Grandparent.  This is new territory that needs to be navigated with wisdom and grace.  Times have changed, and the baby has parents who may have different ideas than you do. Listen this week for our tips for new...

Keep your advice to yourself

Listen to the parents

Help when you can, and that includes the parents

Follow the parent's rules

]]>699false1114fullhttps://www.spreaker.com/episode/episode-113-get-out-of-debt-part-3--63340134

Make a budget

Extra income with side gig, sell stuff on Facebook Marketplace, stop investing

Have one credit card and pay it off every month

Give more

]]>5d6c3f5f-2b73-437e-9b78-a0f2600a384cThu, 15 Dec 2022 11:00:00 +0000Kevin and Karin ChristMost people have found themselves dealing with too much debt as some time in their lives.  Others live in perpetual debt.  It isn't a good feeling when those debt payments seem endless.  This three-part series will give you some ideas on how to get...

Make a budget

Extra income with side gig, sell stuff on Facebook Marketplace, stop investing

Have one credit card and pay it off every month

Give more

]]>666false1113fullhttps://www.spreaker.com/episode/episode-112-get-out-of-debt-part-2--63340173

Online coupons and consignment shopping are great ways to buy what you need at a discount

FOOD is the hardest budget item to control

Do you need expensive hobbies or memberships?

Get creative with free entertainment

]]>18a9b51f-46fc-4cd7-b654-9401fd0c6075Thu, 08 Dec 2022 11:00:00 +0000Kevin and Karin ChristMost people have found themselves dealing with too much debt as some time in their lives.  Others live in perpetual debt.  It isn't a good feeling when those debt payments seem endless.  This three-part series will give you some ideas on how to get...

Online coupons and consignment shopping are great ways to buy what you need at a discount

FOOD is the hardest budget item to control

Do you need expensive hobbies or memberships?

Get creative with free entertainment

]]>791false1112fullhttps://www.spreaker.com/episode/episode-111-get-out-of-debt-part-1--63340139

Start an emergency fund so that emergencies don't catch you by surprise

List out your debts and pay off the smallest one first while paying the minimums on other debt

Once you pay off the smallest debt, take that payment and apply it to the next debt

Determine how much you can pay towards debt per month and stick with it

]]>1ccd76e0-4f48-44a0-948a-2a0514c3c12fThu, 01 Dec 2022 11:00:00 +0000Kevin and Karin ChristMost people have found themselves dealing with too much debt as some time in their lives.  Others live in perpetual debt.  It isn't a good feeling when those debt payments seem endless.  This three-part series will give you some ideas on how to get...

Start an emergency fund so that emergencies don't catch you by surprise

List out your debts and pay off the smallest one first while paying the minimums on other debt

Once you pay off the smallest debt, take that payment and apply it to the next debt

Determine how much you can pay towards debt per month and stick with it

]]>749false1111fullhttps://www.spreaker.com/episode/episode-110-is-pet-ownership-right-for-you--63340193

Pets can help you live longer

Pets can be great companions

Know the costs before you get a pet: time and money

Covid lockdowns created a rush to get pets

]]>8f08673e-0e64-4312-ae72-13189963ada0Thu, 24 Nov 2022 11:00:00 +0000Kevin and Karin ChristBeing a pet owner has many joys and trials.  Is owning a pet right for you?  On today's podcast we talk about some of the joys and benefits of having pets.  We also discuss the responsibilities and expenses. Key takeaways: - Pets can help you live...

Pets can help you live longer

Pets can be great companions

Know the costs before you get a pet: time and money

Covid lockdowns created a rush to get pets

]]>755false1110fullhttps://www.spreaker.com/episode/episode-109-older-workers-are-quietly-returning--63340140

More than 60% of those who unretire say they are looking for something to do 

More than 50% are happy with their decision

While it can be intimidating, these workers are trailblazers

Retirement no longer an exit, but a mile market

]]>2e10eaba-4969-4de3-b991-3ed1fe578a9eThu, 15 Sep 2022 10:00:00 +0000Kevin and Karin ChristThere has been a trend among younger workers called "Quietly Quitting" where they do the least amount of work required for their job.  But a new trend is emerging called "Quietly Returning" where older workers that were retired are "unretiring".  This...

More than 60% of those who unretire say they are looking for something to do 

More than 50% are happy with their decision

While it can be intimidating, these workers are trailblazers

Retirement no longer an exit, but a mile market

]]>762false1109fullhttps://www.spreaker.com/episode/episode-108-80-million-for-the-irs--63340169

Since the 2013 IRS scandal, there have been several IRS budget cuts

The Inflation Increase Act will require more taxes to be collected to pay for all the new spending

Significant numbers of IRS agents are over 55 and will be retiring

New hires are not expected to be trained until 2026

]]>cabd03d7-a7b1-465f-9e85-131a63e70549Thu, 08 Sep 2022 21:37:41 +0000Kevin and Karin ChristI'm sure you have heard a lot about the provision in the Inflation Increase Act to give $80 million dollars to the IRS.  There has been much concern about increases in IRS audits and that the IRS has been stockpiling bullets.  While lawmakers are...

Since the 2013 IRS scandal, there have been several IRS budget cuts

The Inflation Increase Act will require more taxes to be collected to pay for all the new spending

Significant numbers of IRS agents are over 55 and will be retiring

New hires are not expected to be trained until 2026

]]>761false1108fullhttps://www.spreaker.com/episode/episode-107-6-things-your-retirement-plan-may-be-missing-part-2--63340141

Not having a complete retirement plan

Not considering Long Term Care

Not having an estate plan

]]>5548fad3-dde2-4ac6-a13f-0c7fa17cfbeaThu, 01 Sep 2022 10:00:00 +0000Kevin and Karin ChristIt can be hard to see something that is missing.  We often see people missing these 6 things from their retirement plans.  The good news, is once you see it you can correct it. - Not having a complete retirement plan - Not considering Long Term...

Not having a complete retirement plan

Not considering Long Term Care

Not having an estate plan

]]>659false1107fullhttps://www.spreaker.com/episode/episode-106-6-things-your-retirement-plan-may-be-missing-part-1--63340146

Not having enough emergency savings & low earnings on these funds

Having too much company stock

Assets not allocated well

]]>17531d03-9d9a-49ed-9e1c-7da6c1539c48Thu, 25 Aug 2022 10:00:00 +0000Kevin and Karin ChristIt can be hard to see something that is missing.  We often see people missing these 6 things from their retirement plans.  The good news, is once you see it you can correct it. Key takeaways: - Not having enough emergency savings & low earnings...

Not having enough emergency savings & low earnings on these funds

Having too much company stock

Assets not allocated well

]]>771false1106fullhttps://www.spreaker.com/episode/episode-105-inflation-or-recession-which-is-worse--63340159

We are in the highest inflationary period in over 40 years

By historical definition, we are in a recession

We haven't seen both together since the 1970's

What are good investments right now

]]>eecc49bd-3a2b-4f02-9caa-9076e91af895Thu, 18 Aug 2022 10:00:00 +0000Kevin and Karin ChristToday we explain the difference between inflation and recession and how these each potentially impact you financially.  Does your financial plan include ways to overcome inflation and recession? Key takeaways: - We are in the highest inflationary...

We are in the highest inflationary period in over 40 years

By historical definition, we are in a recession

We haven't seen both together since the 1970's

What are good investments right now

]]>804false1105fullhttps://www.spreaker.com/episode/episode-104-making-extra-money-during-tough-times--63340196

High Yield Savings Accounts

Cash back credit cards

Turn a hobby into cash

Online coupons & cash back programs

 ]]>d67a5d6e-c2a9-4010-be5a-1438f6a38bb9Thu, 11 Aug 2022 10:00:00 +0000Kevin and Karin ChristWith the current inflation, we are looking for ways to make more money, or save money.  On today's podcast we explore ways to earn more, save more, and spend less.  Remember the old adage "a penny saved is a penny earned".   Key takeaways: - High...

High Yield Savings Accounts

Cash back credit cards

Turn a hobby into cash

Online coupons & cash back programs

 ]]>718false1104fullhttps://www.spreaker.com/episode/episode-103-hold-or-fold-a-poor-performing-fund--63340143

How soon do you need the money?

Look at your risk tolerance instead of chasing past performance

Make sure you are rebalancing your asset allocations

Do you know how much the fund is costing you in load fees and administrative fees?

]]>6c4bff88-4420-42f6-9c25-ea45ba1e3978Thu, 07 Jul 2022 10:00:00 +0000Kevin and Karin ChristIf you have a mutual fund that isn't performing well, how do you know if you should hold 'em or fold 'em? Look at your overall asset allocation strategy first and see if the fund is still in line with your goals or not.  Then look at how much the fund...

How soon do you need the money?

Look at your risk tolerance instead of chasing past performance

Make sure you are rebalancing your asset allocations

Do you know how much the fund is costing you in load fees and administrative fees?

]]>728false1103fullhttps://www.spreaker.com/episode/episode-102-taking-vacation-could-save-your-life--63340205

Increase mindfulness by reducing familiarity

Improve heart health and reduce blood pressure, blood sugar, and abnormal cholesterol

Boost brainpower and creativity when your mind is relaxed

Improve sleep as you break your at home sleeping habits

]]>3b02c8da-e79e-43d8-95df-9afa4aecdb9aThu, 30 Jun 2022 10:00:00 +0000Kevin and Karin ChristNorth American workers can be workaholics, with 26% saying they have never taken two weeks' vacation at one time.  But it is taking a toll on many people's health and lives.  So why could vacations save your life?  Listen in to this week's podcast to...

Increase mindfulness by reducing familiarity

Improve heart health and reduce blood pressure, blood sugar, and abnormal cholesterol

Boost brainpower and creativity when your mind is relaxed

Improve sleep as you break your at home sleeping habits

]]>834false1102fullhttps://www.spreaker.com/episode/episode-101-navigating-turbulent-stock-markets--63340150

If you're 25 - this is a great opportunity to buy stocks at cheaper prices and hold onto them. You have time on your side

If you're 45 - keep to your long term strategy and move from bonds to defensive stocks

If you're 65 - move from growth stocks to value stock and try to use other sources for income if you need it

]]>1b488bf1-e3c0-4f5d-9c46-1195db95e4c7Thu, 23 Jun 2022 10:00:00 +0000Kevin and Karin ChristHow you navigate a turbulent stock market depends on your age.  Stay calm.  Then listen to our navigation ideas based on whether you are 25, 45 or 65 years old. Key takeaways: - If you're 25 - this is a great opportunity to buy stocks at cheaper...

If you're 25 - this is a great opportunity to buy stocks at cheaper prices and hold onto them. You have time on your side

If you're 45 - keep to your long term strategy and move from bonds to defensive stocks

If you're 65 - move from growth stocks to value stock and try to use other sources for income if you need it

]]>716false1101fullhttps://www.spreaker.com/episode/episode-100-celebrating-our-100th-podcast-why-we-do-what-we-do--63340145

We truly love to help people

One of the favorite parts of our jobs is people, and watching fear leave when they review their Retirement Blueprint

Even hear what we don't like about our business 

]]>e6c9f1d9-066f-4bac-ac96-d4f5e7f2d588Thu, 16 Jun 2022 15:46:36 +0000Kevin and Karin ChristWe enjoy our weekly podcast which cover not only financial and retirement issues, but important issues in life.  Our goal is to encourage you and give you new ways of thinking with tools for your success.  Listen in to why we love what we do. Key...

We truly love to help people

One of the favorite parts of our jobs is people, and watching fear leave when they review their Retirement Blueprint

Even hear what we don't like about our business 

]]>855false1100fullhttps://www.spreaker.com/episode/episode-99-bear-market-in-america--63340155

Inflation is painful right now, as is the Feds increasing of interest rates

Supply chain issues are increased due to China's zero covid policies

Does the stock market slump signal deeper issues in the economy?

]]>11693dd9-20d2-4bf8-833c-0c99de9ba51bThu, 09 Jun 2022 10:00:00 +0000Kevin and Karin ChristThe S&P 500 is nearing bear market territory, and NASDAQ has already dropped more than 20%.  Add inflation, unemployment, and rising interest rates and people are scared right now.  So just like bear season in the wild, keep on your path and bring...

Inflation is painful right now, as is the Feds increasing of interest rates

Supply chain issues are increased due to China's zero covid policies

Does the stock market slump signal deeper issues in the economy?

]]>735false199fullhttps://www.spreaker.com/episode/episode-98-the-economy-today--63340172

What is an economic cycle and where are we in that cycle?

The impact of inflation

Is the economy driving stock market volatility?

]]>fe37f6b7-72bb-4ec1-94a4-3569d56c4508Thu, 12 May 2022 10:00:00 +0000Kevin and Karin ChristStock market volatility and how it relates to the current state of the economy is on many people's minds.  It has been over 12 years since we have seen a true market correction.  The COVID-19 downturn turned around quickly.  How are the market...

What is an economic cycle and where are we in that cycle?

The impact of inflation

Is the economy driving stock market volatility?

]]>718false198fullhttps://www.spreaker.com/episode/episode-97-dependence-independence-interdependence--63340154

Dependence is relying or being controlled by someone or something else

Independence is NOT relying or being controlled by others, or in other words being free

Interdependence is being mutually dependent on each other

]]>cefbe000-5c4e-4cda-8c7f-4f3d9921c1ceThu, 05 May 2022 15:29:01 +0000Kevin and Karin ChristOn this week's podcast we will look at the definition of these words and how they apply to our relationships.  We will explore what is healthy and unhealthy about each of these.  Moving from dependence, to independence and then to interdependence...

Dependence is relying or being controlled by someone or something else

Independence is NOT relying or being controlled by others, or in other words being free

Interdependence is being mutually dependent on each other

]]>866false197fullhttps://www.spreaker.com/episode/episode-96-10-benefits-of-lifelong-learning-part-2--63340171

Lifelong learning creates a curious, hungry, and open mind

Lifelong learning gives us wisdom and helps us adapt to change

Lifelong learning enhances relationships, self-fulfillment, and others

]]>6965ff08-f0cf-43fe-a17b-2d5f9e19175dThu, 28 Apr 2022 10:00:00 +0000Kevin and Karin ChristLifelong learning is like a health club for your brain. Lifelong learning has many mental and physical benefits, especially as we age.  Engaging in learning for your entire life has many rewards. Key takeaways: - Lifelong learning creates a curious,...

Lifelong learning creates a curious, hungry, and open mind

Lifelong learning gives us wisdom and helps us adapt to change

Lifelong learning enhances relationships, self-fulfillment, and others

]]>685false196fullhttps://www.spreaker.com/episode/episode-95-lifelong-learning-part-1--63340210

Lifelong learning creates a curious, hungry, and open mind

Lifelong learning gives us wisdom and helps us adapt to change

Lifelong learning enhances relationships, self-fulfillment, and others

]]>d47734bb-8e1c-4a70-9adf-af3cab102786Thu, 21 Apr 2022 14:55:56 +0000Kevin and Karin ChristLifelong learning is like a health club for your brain. Lifelong learning has many mental and physical benefits, especially as we age.  Engaging in learning for your entire life has many rewards. Key takeaways: - Lifelong learning creates a curious,...

Lifelong learning creates a curious, hungry, and open mind

Lifelong learning gives us wisdom and helps us adapt to change

Lifelong learning enhances relationships, self-fulfillment, and others

]]>814false195fullhttps://www.spreaker.com/episode/episode-94-navigating-stock-market-volatility-part-2--63340149

Timing the market doesn't work

Time in the market does

Learn from the past

]]>e7c30722-4077-41d3-9f56-1e2f789916f3Thu, 24 Mar 2022 10:00:00 +0000Kevin and Karin ChristWhen the stock market feels more like a roller coaster ride than smooth sailing, most investors become nervous.  This can lead to emotional decisions and trying to time the stock market.  In the two-part podcast we will look at history and statistics...

Timing the market doesn't work

Time in the market does

Learn from the past

]]>770false194fullhttps://www.spreaker.com/episode/episode-93-navigating-stock-market-volatility-part-1--63340178

Look at history to help make decisions now

We have always come through downturns

Volatility is not new

How long have market corrections lasted in the past

]]>d3b6fd71-c6f9-466e-920f-154f6d404a7aThu, 17 Mar 2022 10:00:00 +0000Kevin and Karin ChristWhen the stock market feels more like a roller coaster ride than smooth sailing, most investors become nervous.  This can lead to emotional decisions and trying to time the stock market.  In the two-part podcast we will look at history and statistics...

Look at history to help make decisions now

We have always come through downturns

Volatility is not new

How long have market corrections lasted in the past

]]>738false193fullhttps://www.spreaker.com/episode/episode-92-learn-to-be-more-patient-part-2--63340170

What triggers you?

Practice contemplating how to handle touch situations a head of time

Find healthy ways to reduce stress

Gratitude!!

 ]]>ac80d802-c38e-4ec9-952a-9f2d26ce419fThu, 10 Mar 2022 11:00:00 +0000Kevin and Karin ChristWe all encounter situations where we wish we had more patience.  Patience is a virtue in all avenues of life.  Patience needs to be cultivated and practiced.  In this two-part series we are going to talk about ways to increase your patience. Key...

What triggers you?

Practice contemplating how to handle touch situations a head of time

Find healthy ways to reduce stress

Gratitude!!

 ]]>760false192fullhttps://www.spreaker.com/episode/episode-91-learn-to-be-more-patient-part-1--63340179

Progress not perfection

Slow down, process and focus on one task at a time

Take a deep breath and count

Step back when emotions are running high

 ]]>0c487ee4-c98b-47cc-aff6-cbd998589e45Thu, 03 Mar 2022 11:00:00 +0000Kevin and Karin ChristWe all encounter situations where we wish we had more patience.  Patience is a virtue in all avenues of life.  Patience needs to be cultivated and practiced.  In this two-part series we are going to talk about ways to increase your patience. Key...

Progress not perfection

Slow down, process and focus on one task at a time

Take a deep breath and count

Step back when emotions are running high

 ]]>794false191fullhttps://www.spreaker.com/episode/episode-89-how-to-stop-feeling-overwhelmed-part-1--63340182

Feeling overwhelmed can become a vicious cycle

Challenge your limiting beliefs

Focus on outcomes & prioritize

Ask for Help!

]]>5706d367-7bdc-468a-b8d0-a7a140cc7d19Fri, 18 Feb 2022 16:28:14 +0000Kevin and Karin ChristWe have all experienced feeling overwhelmed at times.  Is this a rare occurrence for you or a constant state of being?  Listen over the next 2 weeks to find out what can cause these overwhelmed feelings, and how to overcome. Key Takeaways: - Feeling...

Feeling overwhelmed can become a vicious cycle

Challenge your limiting beliefs

Focus on outcomes & prioritize

Ask for Help!

]]>782false189fullhttps://www.spreaker.com/episode/episode-86-you-are-what-you-think-part-3--63340156

You were not designed to go through life fearful

What you think rewires your brain

We are directly responsible for what we choose to think about and dwell on

]]>30ea6d17-3f8c-42e9-b47e-6847f1b6e6f0Thu, 13 Jan 2022 11:00:00 +0000Kevin and Karin ChristBased on the scientific work of Dr. Caroline Leaf, we explore the power of your thinking and how it affects every part of your life. In this 3 part series, we highlight some of the ways your thinking impacts you and how you CAN choose to "Train Your...

You were not designed to go through life fearful

What you think rewires your brain

We are directly responsible for what we choose to think about and dwell on

]]>733false186fullhttps://www.spreaker.com/episode/episode-85-you-are-what-you-think-part-2--63340189

Multitasking is a myth

What your mind creates only your mind can take away

How you think not only affects your own spirit, soul, and body but also those around you

You are not a victim of biology or circumstances

]]>f9014fcb-9b1e-4606-b94c-66144b83363eThu, 06 Jan 2022 11:00:00 +0000Kevin and Karin ChristBased on the scientific work of Dr. Caroline Leaf, we explore the power of your thinking and how it affects every part of your life. In this 3 part series, we highlight some of the ways your thinking impacts you and how you CAN choose to "Train Your...

Multitasking is a myth

What your mind creates only your mind can take away

How you think not only affects your own spirit, soul, and body but also those around you

You are not a victim of biology or circumstances

]]>763false185fullhttps://www.spreaker.com/episode/episode-84-you-are-what-you-think-part-1--63340201

If you realized how powerful your thoughts are, you would never think a negative thought again

You are not a victim.  You can control your reactions.  You do have a choice

You must choose to be happy, healthy and have a great thought life

]]>e85b0be4-b154-4e16-b719-0cfb13afd5f2Thu, 30 Dec 2021 11:00:00 +0000Kevin and Karin ChristBased on the scientific work of Dr. Caroline Leaf, we explore the power of your thinking and how it affects every part of your life. In this 3 part series, we highlight some of the ways your thinking impacts you and how you CAN choose to "Train Your...

If you realized how powerful your thoughts are, you would never think a negative thought again

You are not a victim.  You can control your reactions.  You do have a choice

You must choose to be happy, healthy and have a great thought life

]]>793false184fullhttps://www.spreaker.com/episode/episode-83-not-your-parent-s-inflation--63340195

Consumer confidence is dropping quickly

Does the "misery index" match the data on inflation

Who should be worried?

Why is the stock market still rising during this increase in inflation?

]]>8151eb58-49a8-4285-b400-47d0d2714687Wed, 22 Dec 2021 11:00:00 +0000Kevin and Karin ChristThe current inflation increase is causing concern for many Americans.  Is this short lived or will it continue? While the price of consumer goods, food, and gasoline have sharply increased, has it really increased as much as the negative reaction from...

Consumer confidence is dropping quickly

Does the "misery index" match the data on inflation

Who should be worried?

Why is the stock market still rising during this increase in inflation?

]]>735false183fullhttps://www.spreaker.com/episode/episode-82-should-you-own-gold-or-silver--63340175

Does Gold and Silver help hedge against inflation?

Gold and Silver ETFs

Should I own physical precious metals?

What to watch out for

]]>12310664-ef4f-4dec-ba66-eaa831d1a402Thu, 16 Dec 2021 11:00:00 +0000Kevin and Karin ChristWe are often asked if Gold and Silver are a good addition to investments.  There is a lot of confusion about how to own it.  We will talk about the different ways to have Gold and Silver investments and the pros and cons of owning Gold and Silver. Key...

Does Gold and Silver help hedge against inflation?

Gold and Silver ETFs

Should I own physical precious metals?

What to watch out for

]]>519false182fullhttps://www.spreaker.com/episode/episode-81-givers-takers-matchers-part-2--63340204

5-minute favors

Ask for help

Give in "chunks" 

Do favors

]]>8a1f1d5a-3d3e-4f92-8a4c-9fe403faf2b8Thu, 09 Dec 2021 11:00:00 +0000Kevin and Karin ChristWe all know people that are givers and takers.  Do you know what a Matcher is?  And what type of reciprocity style are you?  This week we will talk about each type and which ones are the most successful. Key takeaways: - 5-minute favors - Ask for...

5-minute favors

Ask for help

Give in "chunks" 

Do favors

]]>667false181fullhttps://www.spreaker.com/episode/episode-80-givers-takers-matchers-part-1--63340162

Definition of Takers, Givers & Matchers

Which ones are more successful at work

Selfless & Otherish givers

Tips for being a successful giver

]]>d1cc3e33-bb1f-4a90-a6be-c7976221076aThu, 02 Dec 2021 11:00:00 +0000Kevin and Karin ChristWe all know people that are givers and takers.  Do you know what a Matcher is?  And what type of reciprocity style are you?  This week we will talk about each type and which ones are the most successful.   Key takeaways: - Definition of Takers,...

Definition of Takers, Givers & Matchers

Which ones are more successful at work

Selfless & Otherish givers

Tips for being a successful giver

]]>770false180fullhttps://www.spreaker.com/episode/episode-79-feel-younger-in-retirement--63340181

Engage with people of all ages

Stand up for what you believe in

Make a difference in someone else's life

Follow the dreams you didn't have to before

]]>9c56f969-b490-4ad0-b64f-b372a094722fThu, 18 Nov 2021 11:00:00 +0000Kevin and Karin ChristRetirees can often feel lost after retiring.  They lose structure, identity, purpose, power and relationships during retirement. But your best years can be the ones ahead. You just need to know where to look. Key takeaways: - Engage with people of...

Engage with people of all ages

Stand up for what you believe in

Make a difference in someone else's life

Follow the dreams you didn't have to before

]]>761false179fullhttps://www.spreaker.com/episode/episode-78-5-advantages-to-investing-in-your-20s--63340209

Time gives you the power of compounding

You can take more risk with years of earning ahead of you

Take advantage of tech savvy resources for investing and learn from your successes and failures

Invest in yourself by learning advanced skills that can earn you more money

]]>17b11036-ca01-47fe-a907-ee6df5c96553Thu, 11 Nov 2021 11:00:00 +0000Kevin and Karin ChristPeople in their 20s can think they are not financially stable enough to start investing.  They may have student debt, low salaries, or just don't know how to start.  The advantages to start young are significant though. Key takeaways: - Time gives...

Time gives you the power of compounding

You can take more risk with years of earning ahead of you

Take advantage of tech savvy resources for investing and learn from your successes and failures

Invest in yourself by learning advanced skills that can earn you more money

]]>724false178fullhttps://www.spreaker.com/episode/episode-77-financial-planning-tips-for-beginners-part-2--63340200

Pay yourself first

Check your credit score

Organize your financial records

Start spending less money

]]>1eaf9a29-d623-4e9c-8fb2-2fe9b46f91b3Thu, 04 Nov 2021 10:00:00 +0000Kevin and Karin ChristMany people would like to be more active in managing their budget and financial plan.  With all the advice and options available however, this can seem overwhelming.  In this 2-part series, we will share some tips to on how to get started. Key...

Pay yourself first

Check your credit score

Organize your financial records

Start spending less money

]]>727false177fullhttps://www.spreaker.com/episode/episode-76-financial-planning-tips-for-beginners-part-1--63340186

Start with the end in mind

Know where your money goes

Make monthly deposits into an investment account

Know your expenses

]]>adb1d04b-cefa-47f2-b114-649cb551fe80Thu, 28 Oct 2021 10:00:00 +0000Kevin and Karin ChristMany people would like to be more active in managing their budget and financial plan.  With all the advice and options available however, this can seem overwhelming.  In this 2-part series, we will share some tips to on how to get started. Key...

Start with the end in mind

Know where your money goes

Make monthly deposits into an investment account

Know your expenses

]]>746false176fullhttps://www.spreaker.com/episode/episode-74-faith-vs-fear--63340222

Reflect on your decisions and ask yourself if you are responding in fear or faith

Fear is about security and control, faith is about trust and obedience

Fear is timid, faith is bold

Fear or faith have actual neurological impact on your brain (Dr. Caroline Leaf)

]]>e53ce9bf-8895-44c9-bf0d-9d39784d08c3Thu, 14 Oct 2021 10:00:00 +0000Kevin and Karin ChristOur life is full of decisions.  You can take the same action, but you can do it out of fear or faith.  Fear is self-focused, while faith is God-focused.  Are you making decisions based on fear or faith? Key takeaways: - Reflect on your decisions and...

Reflect on your decisions and ask yourself if you are responding in fear or faith

Fear is about security and control, faith is about trust and obedience

Fear is timid, faith is bold

Fear or faith have actual neurological impact on your brain (Dr. Caroline Leaf)

]]>828false174fullhttps://www.spreaker.com/episode/episode-73-mentally-strong-people-find-peace-part-3--63340161

Perfection is a hard task master

Holding grudges and unforgiveness hurts YOU

Material possessions don't satisfy your needs

We need to admit when we need help

]]>7691be11-798e-4ae6-9bea-075badebc631Thu, 07 Oct 2021 10:00:00 +0000Kevin and Karin ChristIn this final segment of our 3-part series, we discuss how mentally strong people avoid negative habits that undermine their strength and peace. You can develop healthy ways of thinking, creating mental muscle, that brings you more peace. Key...

Perfection is a hard task master

Holding grudges and unforgiveness hurts YOU

Material possessions don't satisfy your needs

We need to admit when we need help

]]>825false173fullhttps://www.spreaker.com/episode/episode-75-worst-way-to-withdraw-retirement-funds--63340174

Pay attention to taxability of your withdrawals

Are you claiming Social Security too soon

Use ROTH funds last unless you use them to balance a high tax year

]]>8f3c95f3-ca30-4994-b023-e947b0dd7cf2Mon, 04 Oct 2021 23:04:17 +0000Kevin and Karin ChristIt is important to have a "decumulation" plan for your Retirement assets.  Many people don't realize these missteps can negatively impact how long your money will last in retirement.  Listen in to find out how to avoid these mistakes. Key takeaways:...

Pay attention to taxability of your withdrawals

Are you claiming Social Security too soon

Use ROTH funds last unless you use them to balance a high tax year

]]>712false175fullhttps://www.spreaker.com/episode/episode-72-mentally-strong-people-find-peace-part-2--63340215

Comfortable vs challenging

The victim mentality

Trying to impress people

]]>06610679-354e-49f5-bcfa-80eecfaf3573Thu, 16 Sep 2021 10:00:00 +0000Kevin and Karin ChristHow do you keep inner peace in times of turmoil? This week we continue our 3-part series on how mentally strong people have learned to have confidence that they can handle what life brings their way. Key takeaways: - Comfortable vs challenging -...

Comfortable vs challenging

The victim mentality

Trying to impress people

]]>722false172fullhttps://www.spreaker.com/episode/episode-71-mentally-strong-people-find-peace-part-1--63340177

Don't engage with toxic people

Don't play the self-blame game

Happiness vs contentment

]]>779f02f9-ff3d-4df5-96c0-7c5bfc49eb42Thu, 09 Sep 2021 10:00:00 +0000Kevin and Karin ChristTurn on the news these days, and all you will hear is nonstop coverage of crises and bad news. Even talking with friends and family seems to bring up all the things that are wrong these days.  So how do you keep your inner peace in times of turmoil? ...

Don't engage with toxic people

Don't play the self-blame game

Happiness vs contentment

]]>825false171fullhttps://www.spreaker.com/episode/episode-70-avoid-behavioral-traps-in-market-slumps--63340219

Confirmation Bias

Availability Bias

Overconfidence

Loss Aversion

 ]]>8f0be75b-3333-40b3-a010-3c4071d4173aThu, 02 Sep 2021 10:00:00 +0000Kevin and Karin ChristEconomic models typically assume that humans make rational decisions.  But when it comes to investing in the market, many people fall into several behavioral traps.  Learn what some of these traps are and how to avoid them. Key takeaways: -...

Confirmation Bias

Availability Bias

Overconfidence

Loss Aversion

 ]]>790false170fullhttps://www.spreaker.com/episode/episode-69-stress-reducing-activities-at-home-part-2--63340191

Baking

Meditation/Prayer

Stretching

Coloring books & doodling

]]>f35b20f6-fe99-4326-b468-81bb03070e67Thu, 26 Aug 2021 10:00:00 +0000Kevin and Karin ChristWe will finish our 2-part series on simple and inexpensive ways to reduce your stress without leaving your home.  It takes 21 days to form new habits. Pick a stress reducing habit and incorporate it into your everyday life.   Key takeaways: - Baking...

Baking

Meditation/Prayer

Stretching

Coloring books & doodling

]]>799false169fullhttps://www.spreaker.com/episode/episode-68-easy-stress-reducing-activities-part-1--63340194

Start your day with gratitude and make sure there is laughter in each and every day

Incorporate quick bursts of movement throughout your day.  Even 30 seconds will activate positive mood enhancing results

Dance to a favorite song as if no one is watching!

Take a bath or give yourself a quick gentle massage and let the stress melt away

]]>f22b4fba-418b-4a81-b80a-5726fccd2db7Thu, 19 Aug 2021 10:00:00 +0000Kevin and Karin ChristStress and anxiety is different for everyone and is a brain and body push back on all you are trying to manage.  Stress leads to a continuous fight or flight response that can have negative impacts on our health.  There are easy and simple ways to...

Start your day with gratitude and make sure there is laughter in each and every day

Incorporate quick bursts of movement throughout your day.  Even 30 seconds will activate positive mood enhancing results

Dance to a favorite song as if no one is watching!

Take a bath or give yourself a quick gentle massage and let the stress melt away

]]>836false168fullhttps://www.spreaker.com/episode/episode-67-fixed-indexed-universal-life-fiul-insurance-or-roth--63340163

Since these are both long term strategies, look at fees over a 10-year period or more.

FIUL gives you upside stock market participation while protecting from market risk and downturns

FIUL gives your loved ones a tax-free death benefit

Can a stock market investment give you Long Term care benefits?

]]>d0d52dc6-0b4f-45a9-802d-1b7ea1109e2eThu, 12 Aug 2021 10:00:00 +0000Kevin and Karin ChristWe will compare Fixed Indexed Universal Life to ROTH regarding tax savings, stock market risk, and additional benefits.  This is the best way to truly compare the two instead of looking at only one aspect over a short period of time.  Since both of...

Since these are both long term strategies, look at fees over a 10-year period or more.

FIUL gives you upside stock market participation while protecting from market risk and downturns

FIUL gives your loved ones a tax-free death benefit

Can a stock market investment give you Long Term care benefits?

]]>746false167fullhttps://www.spreaker.com/episode/episode-66-roth-conversions-biden-tax-increases--63340224

Biden has signaled a tax increase for anyone making more than $400,000, however there can still be an impact on lower incomes

There has been a recent increase in people asking about ROTH 401k and IRA's

The tax increase could be retroactive to January 2021, so reevaluate ROTH conversion when there is some certainty on 2021 tax rates

Do you want to pay tax on the seed or the harvest (think farming)

]]>c146c656-c338-4b70-908d-ecc7118ce483Thu, 05 Aug 2021 10:00:00 +0000Kevin and Karin ChristWith a possible tax rate increase in the near future, people are wondering if it is still a good time to do ROTH Conversions.  Anytime is a good time to do ROTH Conversions, depending on your specific situation.  Creating tax free income for...

Biden has signaled a tax increase for anyone making more than $400,000, however there can still be an impact on lower incomes

There has been a recent increase in people asking about ROTH 401k and IRA's

The tax increase could be retroactive to January 2021, so reevaluate ROTH conversion when there is some certainty on 2021 tax rates

Do you want to pay tax on the seed or the harvest (think farming)

]]>791false166fullhttps://www.spreaker.com/episode/episode-65-financial-planning-basics--63340225

EVERYTHING starts with a good plan, that will change over time

80/10/10 rule - Set aside 10% of your monthly income for God/charity, 10% to savings, and then the remaining 80% on your monthly needs

Good debt vs bad debt

Live within your means

]]>dd89a01f-1724-48ac-a15a-9379bd2c49ddThu, 29 Jul 2021 10:00:00 +0000Kevin and Karin ChristWhen making a financial plan, we like to compare it to building a house.  That is why we call our financial plans the Retirement Blueprint.  In this week's show we will talk about some of the components of a solid written retirement plan. Takeaways:...

EVERYTHING starts with a good plan, that will change over time

80/10/10 rule - Set aside 10% of your monthly income for God/charity, 10% to savings, and then the remaining 80% on your monthly needs

Good debt vs bad debt

Live within your means

]]>879false165fullhttps://www.spreaker.com/episode/episode-64-investment-philosophy-101--63340218

What is Modern Portfolio Theory?

What is the difference between Tactical and Strategic investing?

How is Active management different than Passive?

What does asset allocation mean?

]]>2c3cb356-6636-42c8-b877-052ea5ef2e30Thu, 22 Jul 2021 10:00:00 +0000Kevin and Karin ChristEvery heard stock market investing terms that you aren't sure what they mean?  If you want a brief overview of some common stock market terms and concepts, then this week's show is for you. Takeaways: - What is Modern Portfolio Theory? - What is...

What is Modern Portfolio Theory?

What is the difference between Tactical and Strategic investing?

How is Active management different than Passive?

What does asset allocation mean?

]]>817false164fullhttps://www.spreaker.com/episode/episode-63-can-you-retire-on-a-1-million--63340221

If you are 65 years old, and $1M dollars, spend $50,000/year, and only take 4% of your $1M, your money would only last about 20 years after inflation and taxes

BUT everyone's situation is different.  Do you have a comprehensive retirement plan that takes into account:  Geography, longevity, lifestyle, health care, investment risk, taxes and inflation?

The key is enough guaranteed income to cover your monthly expenses.

Start saving NOW to time and compounding is on your side.

]]>06c172c1-d581-4c24-983d-7e0a245ede9dThu, 15 Jul 2021 09:00:00 +0000Kevin and Karin ChristYou have no doubt heard the idea that you can retire by starting with $1 million dollars and just withdraw 4% per year.  Can you have confidence in this?  Today we talk about why this often won't work. Key takeaways: - If you are 65 years old, and...

If you are 65 years old, and $1M dollars, spend $50,000/year, and only take 4% of your $1M, your money would only last about 20 years after inflation and taxes

BUT everyone's situation is different.  Do you have a comprehensive retirement plan that takes into account:  Geography, longevity, lifestyle, health care, investment risk, taxes and inflation?

The key is enough guaranteed income to cover your monthly expenses.

Start saving NOW to time and compounding is on your side.

]]>704false163fullhttps://www.spreaker.com/episode/episode-62-set-up-a-generational-estate-meeting--63340223

Have you ensured that there is a plan in place for when the unprecedented happens?

Generational meetings can minimize the stress of planning for the future of your finances

These meetings take the pressure off of you to communicate complex financial plans

Plan today for your assets to be transferred effectively and as tax efficiently as possible.

]]>31c0ca57-8208-4f74-9fd9-810cba5b4e1fThu, 08 Jul 2021 10:00:00 +0000Kevin and Karin ChristEnd of life planning is a critical component of an airtight financial plan.  Generational meetings with parents, children and financial advisors is gaining popularity for many reasons.  Does your financial advisor link your heirs with your wishes and...

Have you ensured that there is a plan in place for when the unprecedented happens?

Generational meetings can minimize the stress of planning for the future of your finances

These meetings take the pressure off of you to communicate complex financial plans

Plan today for your assets to be transferred effectively and as tax efficiently as possible.

]]>742false162fullhttps://www.spreaker.com/episode/episode-61-take-control-of-your-financial-life-part-13-get-organized--63340168

Set up automatic bill pay to avoid late fees and protect your credit score

Every week look at your finances.  Set up reminders, especially to make sure you have enough money in the bank for the automatic bill pay.

Find out what documents you need to keep: taxes, contracts, loans, real estate

Make small investments today to save you money over time

]]>751995fb-5533-4db4-b66d-56b3e1a70b98Thu, 01 Jul 2021 10:00:00 +0000Kevin and Karin ChristThis is the final podcast in our Take Control of Your Financial Life series.  We have shared many ideas, and thank you for your positive feedback.  It seems only fitting to end the series with some organization tips. Key takeaways: - Set up...

Set up automatic bill pay to avoid late fees and protect your credit score

Every week look at your finances.  Set up reminders, especially to make sure you have enough money in the bank for the automatic bill pay.

Find out what documents you need to keep: taxes, contracts, loans, real estate

Make small investments today to save you money over time

]]>879false161fullhttps://www.spreaker.com/episode/episode-60-take-control-of-your-financial-life-part-12-do-you-need-a-will-or-a-trust--63340226

Getting a will or trust is one of the most crucial aspects of a solid financial plan.

Even a simple will identify your wishes for who will take care of your minor children.

Without a will, a judge is left to determine what happens to your assets.  With a will, your heirs will still go through probate court.

Trusts may be a better option for you.  We have described the basic differences in this podcast

]]>6710622a-2b7a-48a7-b4cd-7dad893302a5Thu, 24 Jun 2021 10:00:00 +0000Kevin and Karin ChristMore than 60% of Americans do not have a will, including parents with children under 18! People don't understand what might happen if they die prematurely.  Or they are hesitant because they just don't know what they need or how to get a will or...

Getting a will or trust is one of the most crucial aspects of a solid financial plan.

Even a simple will identify your wishes for who will take care of your minor children.

Without a will, a judge is left to determine what happens to your assets.  With a will, your heirs will still go through probate court.

Trusts may be a better option for you.  We have described the basic differences in this podcast

]]>737false160fullhttps://www.spreaker.com/episode/episode-59-take-control-of-your-financial-life-part-11-unique-ways-to-save-money--63340183

Spare change jars

Shop at a dollar store

Cook dinner at home

Do weekend cooking for the week ahead

]]>1c518f78-b312-4519-b43a-6fed44db4186Thu, 03 Jun 2021 10:00:00 +0000Kevin and Karin ChristI love to hear the different ways people come up with to save money.  Some of these ways are easy and fun.  It doesn't have to be hard. Key takeaways: - Spare change jars - Shop at a dollar store - Cook dinner at home - Do weekend cooking for the...

Spare change jars

Shop at a dollar store

Cook dinner at home

Do weekend cooking for the week ahead

]]>704false159fullhttps://www.spreaker.com/episode/episode-58-take-control-of-your-financial-life-part-10-budget-tricks--63340227

Have a no-spend week

Use coupon apps

Find free stuff!

Cancel subscriptions

]]>b0e2d634-afa7-42cd-93d8-430a38142653Thu, 27 May 2021 10:00:00 +0000Kevin and Karin ChristWe all can add new habits to drive unnecessary expenses out of our budgets.  This week we share more fun ideas to create a lifetime of good spending habits. Key takeaways: - Have a no-spend week - Use coupon apps - Find free stuff! - Cancel...

Have a no-spend week

Use coupon apps

Find free stuff!

Cancel subscriptions

]]>758false158fullhttps://www.spreaker.com/episode/episode-57-take-control-of-your-financial-life-part-9--63340231

Look for recurring charges.  Do you use what you are paying for?

Be thoughtful when you review your expenses.  Do you really need the things you are spending money on?

Be careful of "free" items that convert to monthly or annual billing after the "free" period.

Do you have rewards on your credit cards like travel points or cash?  Reward yourself by switching credit card companies if you aren't.

]]>19fd6c00-31d1-484b-a94d-aa4bc2c854b5Thu, 20 May 2021 10:00:00 +0000Kevin and Karin ChristYou can find money (savings) in your bank and credit card statements.  It is easy to overlook small charges, recurring subscriptions, or even wrong charges when you review your bank and credit card statements often. Key takeaways: - Look for...

Look for recurring charges.  Do you use what you are paying for?

Be thoughtful when you review your expenses.  Do you really need the things you are spending money on?

Be careful of "free" items that convert to monthly or annual billing after the "free" period.

Do you have rewards on your credit cards like travel points or cash?  Reward yourself by switching credit card companies if you aren't.

]]>671false157fullhttps://www.spreaker.com/episode/episode-56-take-control-of-your-financial-life-part-8--63340187

Have a car?  Try becoming a driver for Uber, Lyft, UberEATS, Door Dash, Amazon, or many other companies looking for part time drivers

Are you opinionated?  Why not become a mystery shopper, get paid for online opinions, or join a focus group?

Sell your stuff!  With Facebook marketplace, consignment shops, eBay and many other options you can organize your home/garage and make money.

You have people surrounding you that could use help with errands, odd jobs, pet sitting, babysitting, and many other things.  Check out your local neighborhood app.

]]>1b6466f6-7c76-49fb-a377-8f159dee2407Thu, 13 May 2021 10:00:00 +0000Kevin and Karin ChristWe will discuss today some ways to earn extra money.  Whether you need to cover budget expenses, have something fun you are saving for, or just have time on your hands and want to do something, we hope today's podcast gives you some ideas. Key...

Have a car?  Try becoming a driver for Uber, Lyft, UberEATS, Door Dash, Amazon, or many other companies looking for part time drivers

Are you opinionated?  Why not become a mystery shopper, get paid for online opinions, or join a focus group?

Sell your stuff!  With Facebook marketplace, consignment shops, eBay and many other options you can organize your home/garage and make money.

You have people surrounding you that could use help with errands, odd jobs, pet sitting, babysitting, and many other things.  Check out your local neighborhood app.

]]>673false156fullhttps://www.spreaker.com/episode/episode-55-take-control-of-your-financial-life-part-7--63340232

Make a list before you go to the store

Shop at more than one store depending on what you need to buy

Use cash instead of credit cards for 3 weeks until it becomes a habit to know how much you are spending before you get to the checkout register

Warehouse clubs are great but be careful of overspending on items you don't really need

]]>8fe096de-407b-4a49-9c9e-b8ef29d14a3bThu, 06 May 2021 10:00:00 +0000Kevin and Karin ChristHow to take control of an often-overlooked area of your budget - groceries!  Today we are sharing ways to buy what you need, avoid overspending, and where to shop. Key takeaways: - Make a list before you go to the store - Shop at more than one...

Make a list before you go to the store

Shop at more than one store depending on what you need to buy

Use cash instead of credit cards for 3 weeks until it becomes a habit to know how much you are spending before you get to the checkout register

Warehouse clubs are great but be careful of overspending on items you don't really need

]]>733false155fullhttps://www.spreaker.com/episode/episode-54-take-control-of-your-financial-life-part-6--63340190

Investment fees are a normal part of having your investments managed.  Do you get value for them?

Banking fees can be avoided.  Do you pay for checking accounts, ATMs, overdraft or money transfer fees?

Did you know you can make a phone call and often have your credit card interest rate reduced or late fees removed?

Get rid of unused TV and App subscriptions!

]]>4799f5fc-91e2-480b-8554-fa870df52513Thu, 29 Apr 2021 10:00:00 +0000Kevin and Karin ChristAre fees eating away at your budget?  There are all kinds of fees, some small some big, that you can avoid.  Keep more of your money by eliminating or avoiding fees that don't have value. Key Takeaways: - Investment fees are a normal part of having...

Investment fees are a normal part of having your investments managed.  Do you get value for them?

Banking fees can be avoided.  Do you pay for checking accounts, ATMs, overdraft or money transfer fees?

Did you know you can make a phone call and often have your credit card interest rate reduced or late fees removed?

Get rid of unused TV and App subscriptions!

]]>778false154fullhttps://www.spreaker.com/episode/episode-53-take-control-of-your-financial-life-part-5--63340208

Create a budget

Evaluate/Review your budget

Track you spending

Free budgeting software

]]>f95fa604-00cd-4ecd-a2b5-3fbfe019095dThu, 22 Apr 2021 10:00:00 +0000Kevin and Karin ChristThere are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes.  Listen to this multi-part series and find out if you are making any of these mistakes and how you can correct them. Key...

Create a budget

Evaluate/Review your budget

Track you spending

Free budgeting software

]]>801false153fullhttps://www.spreaker.com/episode/episode-52-take-control-of-your-financial-life-part-4--63340206

Look at bank and credit card statements frequently

Create stronger passwords for your online accounts

How to avoid scams designed to trick you into giving away personal information and logins

Get a cheaper cell phone plan

]]>15993b5f-937b-4d42-8df2-cc7547baf399Thu, 15 Apr 2021 10:00:00 +0000Kevin and Karin ChristThere are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes.  Listen to this multi-part series and find out if you are making any of these mistakes and how you can correct them. Key...

Look at bank and credit card statements frequently

Create stronger passwords for your online accounts

How to avoid scams designed to trick you into giving away personal information and logins

Get a cheaper cell phone plan

]]>738false152fullhttps://www.spreaker.com/episode/episode-51-take-control-of-your-financial-life-part-3--63340230

Transfer out of high interest debt to zero or low interest debt

Find free money

Reduce student loan debt by refinancing or adding to your minimum payments

Find better prices insurance, utilities and other expenses

]]>165bf4b2-22a9-4ae3-adc7-bf33acb60404Thu, 08 Apr 2021 10:00:00 +0000Kevin and Karin ChristThere are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes.  Listen to this multi-part series and find out if you are making any of these mistakes and how you can correct them. Key...

Transfer out of high interest debt to zero or low interest debt

Find free money

Reduce student loan debt by refinancing or adding to your minimum payments

Find better prices insurance, utilities and other expenses

]]>607false151fullhttps://www.spreaker.com/episode/episode-50-take-control-of-your-financial-life-part-2--63340214

Review your credit report - OFTEN

How to correct negative events on your credit report

Make an extra payment toward debt

]]>f9f1637e-7e83-432c-88cd-ee0d9ad4e95cThu, 01 Apr 2021 10:00:00 +0000Kevin and Karin ChristWe all want to have control of our Financial Life.  Sometimes the steps needed to get there can seem intimidating.  It doesn't have to be.  Pick some of the steps we will talk about in this series, and start building your financial confidence today....

Review your credit report - OFTEN

How to correct negative events on your credit report

Make an extra payment toward debt

]]>762false150fullhttps://www.spreaker.com/episode/episode-49-take-control-of-your-financial-life-part-1--63340212

Set goals

Make or increase your 401k contributions, especially if you have employer matching

Start an automatic savings plan, no matter how much you can start with

]]>fd62ac6b-29de-4ddd-a408-f1c2627849e1Thu, 25 Mar 2021 10:00:00 +0000Kevin and Karin ChristWe all want to have control of our Financial Life.  Sometimes the steps needed to get there can seem intimidating.  It doesn't have to be.  Pick some of the steps we will talk about in this series, and start building your financial confidence today....

Set goals

Make or increase your 401k contributions, especially if you have employer matching

Start an automatic savings plan, no matter how much you can start with

]]>693false149fullhttps://www.spreaker.com/episode/episode-48-biggest-personal-finance-mistakes-part-2--63340211

What if the primary earner dies or suffers a disability?

How well have you trained your children to be financially responsible?

Are you taking advantage of all the benefits your employer offers?

What's your plan for major purchases?

Are your investments diversified and age appropriate?

]]>7e575b17-be9d-49a3-8e0b-34720423211aThu, 18 Mar 2021 10:00:00 +0000Kevin and Karin ChristThere are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes.  Listen to this two-part series and find out if you are making any of these mistakes and how you can correct them. Key...

What if the primary earner dies or suffers a disability?

How well have you trained your children to be financially responsible?

Are you taking advantage of all the benefits your employer offers?

What's your plan for major purchases?

Are your investments diversified and age appropriate?

]]>726false148fullhttps://www.spreaker.com/episode/episode-47-biggest-personal-finance-mistakes-part-1--63340220

Are you living paycheck to paycheck?

Does only one person in the family know where the money goes?

Do you discuss budgets, spending and goals with your partner?

DO NOT loan money to family and friends

Do you have an emergency fund that you put money in regularly?

]]>2d3698bf-2e82-4c90-963b-00ae4ff1d632Thu, 11 Mar 2021 11:00:00 +0000Kevin and Karin ChristThere are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes.  Listen to this two-part series and find out if you are making any of these mistakes and how you can correct them. Key...

Are you living paycheck to paycheck?

Does only one person in the family know where the money goes?

Do you discuss budgets, spending and goals with your partner?

DO NOT loan money to family and friends

Do you have an emergency fund that you put money in regularly?

]]>736false147fullhttps://www.spreaker.com/episode/episode-46-overspending-spouses--63340213

An overspending spouse can endanger your retirement

Communication and understanding underlying issues can help couples find common ground

Overspending is often more than just numbers, it is emotional

Take action before marital damage leads to divorce

]]>de67479f-274f-40b0-8d51-486f47fc50d2Thu, 04 Mar 2021 11:00:00 +0000Kevin and Karin ChristSpouses often have differing opinions on saving and spending, but when does it become a problem?  A spouse that overspends can create tension, anxiety and even anger in a marriage.  We will talk about the problems this causes, but more importantly,...

An overspending spouse can endanger your retirement

Communication and understanding underlying issues can help couples find common ground

Overspending is often more than just numbers, it is emotional

Take action before marital damage leads to divorce

]]>773false146full