You can afford anything, but not everything. We make daily decisions about how to spend money, time, energy, focus and attention – and ultimately, our life. How do we make smarter decisions? How do we think from first principles? On the surface, Afford Anything seems like a podcast about money and investing. But under the hood, this is a show about how to think critically, recognize our behavioral blind spots, and make smarter choices. We’re into the psychology of money, and we love metacogn ...
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LIVE EVENT Q&A: Episode 500, Part 2, with ChooseFI’s Brad Barrett
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Enjoy Part 2 of our two-part Episode 500 special, recorded live at a comedy club in Brooklyn. Host Paula Pant and special guest Brad Barrett from ChooseFI answer questions from the audience, live on stage. Learn more about your ad choices. Visit podcastchoices.com/adchoicesAv Paula Pant | Cumulus Podcast Network
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LIVE FROM BROOKLYN: Episode 500 with ChooseFI’s Brad Barrett
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Enjoy Part 1 of our two-part Episode 500 special, recorded live at a comedy club in Brooklyn. Brad Barrett, host of the ChooseFI podcast, joins us on stage to talk about what financial independence ideas and practices have changed … and what ideas and practices have remained consistent, universal and time-tested throughout the years. For more infor…
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Vicki Robin: Financial Independence After 70 [GREATEST HITS WEEK]
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We delve into the world of Financial Independence (FI) with a pioneer -- Vicki Robin, the co-author of Your Money or Your Life. In the 1970s, Vicki Robin and Joe Dominguez, from vastly different backgrounds, came together over a shared vision: FI as a life philosophy, not just a savings strategy. Their book, "Your Money or Your Life," which sold mo…
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A.J. Jacobs: Habits, Health, and Human Connection [GREATEST HITS WEEK]
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Esquire Magazine editor-at-large and bestselling author A.J. Jacobs joins the show to discuss his experimental approach to life. Jacobs, whose TED Talks have been viewed more than 3 million times, shares best practices around motivation, habits, confidence, boosting happiness, and optimizing creativity. In this episode: -- Discover the benefits tha…
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Michael Kitces: Investing in Stocks vs. Skills [GREATEST HITS WEEK]
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Stocks or skills? How should you invest? Should you pour money into unlocking your income potential? Or should you pour money into the market? Forget the motivational posters -- unlimited potential is real. But unlocking it takes investment. The question is: Do you invest in yourself or the market? Stocks, bonds, real estate offer clear returns. Bu…
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JL Collins: How to Beat Wall Street with a Boring Portfolio [GREATEST HITS WEEK]
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JL Collins, the author of "The Simple Path to Wealth," achieved financial independence in 1989 with a surprisingly simple strategy: saving half his income and investing in index funds. In this episode, JL breaks down his ultra-simple investing approach. He argues that keeping things uncomplicated leads to better results in the long run. "The less y…
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Jean Chatzky: The 50% Off Fallacy & Other Ways You're Sabotaging Your Savings [GREATEST HITS WEEK]
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Today’s guest is Jean Chatzky, financial editor for the TODAY Show, host of the HerMoney podcast and a frequent guest on TV shows like Oprah, Regis & Kelly, and The View. We discuss six money rules to guide your spending, including: #1: The more time you spend looking, the less happy you’ll be with what you find. #2: Your retirement trumps their tu…
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Q&A: We Save $5,000 Per Month. Where Should We Invest It?
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At 2:13, we hear from Eugene. Eugene and his wife are retiring with a $10 million net worth and a guaranteed income that exceeds their annual budget. Do they still need things like life insurance and a financial advisor? The next question, at 30:24, comes from an anonymous caller. Her HOA costs have doubled since she bought her condo. She’s wonderi…
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Harvard Business Professor Explains Investing in NFTs
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Financial literacy includes understanding NFTs, DeFi, and cryptocurrency. But it's hard to separate education from hype. Harvard Business School's Scott Duke Kominers, a professor in Harvard's Entrepreneurial Management Unit, and a Faculty Affiliate of the Harvard Department of Economics and the Harvard Center of Mathematical Sciences and Applicati…
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Tribute to Dr. Daniel Kahneman, Who Won a Nobel in Economics Even Though He Never Took an Econ Class
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Princeton Professor Daniel Kahneman never took an economics class. But he won the 2002 Nobel Prize in economics, thanks to his advancements in understanding the psychology of money. In today’s episode, we pay homage to the late Dr. Kahneman, who passed away on March 27 at age 90. We also discuss the jobs report, inflation data, the booming stock ma…
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The Pay Cut Price of Freedom
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How much of a pay cut would you take for a lighter workload? Today we hear from Paul, 35, who’s grappling with that question. Paul’s boss offered him the chance to cut his hours and salary by 25 percent. He’d love to work fewer hours. He has a decent net worth, plenty of savings, and no debt. Should he grab the opportunity? Or stick with his long-t…
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Dr. Cal Newport: Achieve More by Doing Less
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#495: Marie Curie won the Nobel Prize in Physics in 1903 and the Nobel Prize in Chemistry in 1911. She's famous for her work in radioactivity. Lin-Manual Miranda is a songwriter, producer and director who won the Pulitzer Prize in Drama in 2016, as well as several Tony awards. What do they have in common? They lived a century apart. They innovated …
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My Husband Makes Double My Income, But Saves Nothing! Should I Be Worried?
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#494: Tatyana is about to pay off her house at age 39! What’s next? Her husband, who earns twice as much (and whom she met after she bought the home), has no savings. They want a boat. Should she focus there? Matthew recently ended a relationship that resulted in a real estate buyout with an 8.1 percent interest rate. With rates expected to decline…
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Wall Street Secrets, with Your Rich BFF Vivian Tu
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#493: Do you ever wonder what happens behind closed doors on Wall Street? Vivian Tu, also known as Your Rich BFF, is here to spill the tea. Vivian grew up in a modest immigrant family. After college, she found herself working insane hours on Wall Street after college. While working on Wall Street, Vivian saw some weird things. Once, a coworker stum…
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I’m Earning Extra from my Side Hustle. But Does This Cramp My Chances at Investing?
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#492: Christine’s business is struggling. She needs more income. If she adds a full-time remote job to her plate, how will her retirement and finances change? Rob enjoyed a banner year in 2023. He made over $1 million. But the sting of income tax has him making moves that violate his investment strategy. Is his tax tail wagging the dog? Gena is exc…
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Why Bitcoin is Back in the News | First Friday
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#491: Welcome, Emma Chamberlain’s fans!! Thanks for joining the Afford Anything community. You can find out how to escape the 9-to-5 grind at affordanything.com/escape Once a month, on the First Friday of the month, we explore the hot economic and money stories that are dominating the headlines. These days, Bitcoin is back in the news. As of Friday…
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Inside the Mind of a Supercommunicator, with Charles Duhigg
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#490: Great communication will get you a raise. It'll get you promoted. You'll land the corner office. You'll make friends and be the life of the party. You'll land business deals and form lucrative partnerships. Supercommunication is a superpower. But how do we build it? Sometimes, you might walk away from a conversation with the joy of having mad…
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Ask Paula: What to Do with a Six-Figure Windfall?
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#489: Cara made $100,000 in commissions this year, her biggest bonus ever. What should she do with the money if she wants to retire early? An anonymous caller is upset that the 401k plan he sold his boss on is charging him an Assets Under Management (AUM) fee. Should he keep the 401k at all? Remy and her husband need to come up with $30,000 for IVF…
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Gut Instincts and Big Decisions, with Morgan Housel
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#488: Ever made a flippant, seemingly minor decision that radically changed the course of your life? Morgan Housel has experienced this. At age 17, he made a quick decision that ended up saving his life. Sadly, two of his friends were less fortunate. He shares that story in today's podcast episode, and sheds light on the lessons he's learned from i…
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Ask Paula: "Should I Put My Dreams on Hold … and Buy a House Instead?"
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#487: Luis’s wife is killing it at her side hustle. The unexpected income has led Luis to YouTube for hacks to capitalize on their surplus. Can a 529 plan double as long-term care savings? Elizabeth is frustrated with the housing market. She’s been saving for years but isn’t anywhere near her goal. Should she give up and spend it on a dream pottery…
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Stocks are Hot. Jobs are Hotter. What’s Next?
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#486: By every definition of the word, we’re in a bull market. The S&P 500 hit record highs for five consecutive days last week, and remained strong throughout this week. The Dow is above 38,000 for the first time in history. Unemployment has stayed below 4 percent for 24 months, marking the strongest employment in half a century. And consumer sent…
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How to Start a Business in One Weekend, with Noah Kagan
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#485: If you’ve ever thought: "I’d love a business BUT …” I don’t have TIME I don’t have MONEY I don’t have IDEAS I have TOO MANY ideas and I don't know where to start I'm not technical I'm not creative or artistic I'm not good at sales You're not alone. Countless people don't start businesses or side hustles for these reasons. And they're losing t…
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Ask Paula: The Hidden Cost of Student Loan Forgiveness
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#484: Kristen’s financial advisor charges a 1.3 percent fee on her investments. They also sold her term life, whole life, and long-term disability insurance. Do they have her best interests at heart? Casey has $290,000 in student loan debt. He committed 10 years to one employer for a chance at public service loan forgiveness. But five years in, Cas…
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Thriving in a High-Pressure World, with Jennifer Breheny Wallace
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#483: Competitive. Results oriented. Driven to be the very best. These are a few ways to describe achievement culture. Achievement culture can also be described as stressful, high pressure and unhealthy. Yet, there is consistently the pressure – internally and externally – to make more money, be a better parent, spouse, friend, or employee. These b…
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Ask Paula: Should We Drain Our Brokerage to Make a HUGE Down Payment?
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#482: A caller named “M” wonders if liquidating stocks for a larger down payment makes sense in a high-interest rate environment. An anonymous caller wants to take a pay cut to pursue his passions. But 75 percent of his net worth is in real estate. Is this too risky? Tiffanie hasn’t saved enough for early retirement, but she has a plan to use home …
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What’s In Store for 2024? Bitcoin, Home Buying, and Kiyosaki’s $1.2 billion in debt
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#481: Predicting the stock market is a terrible idea. But we can look at economic indicators and upcoming events to get a big-picture, 30,000-foot view of where our economy might be heading in 2024. In today’s episode, we explore what’s in store for 2024. We talk about the recent surge in Bitcoin prices, and the expected SEC approval of a Bitcoin E…
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Your Blueprint for Life's Toughest Challenges, with Hal Elrod
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#480: The death of a sibling. Being declared dead after a head-on collision with a drunk driver. Suffering financially during the Great Recession. CANCER. Today’s guest, Hal Elrod, has battled all of these tough challenges. His little sister passed away in his mother's arms. Years later, Hal was hit by a drunk driver, broke 11 bones, declared dead,…
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Ask Paula: Is Mom Getting Ripped Off by Her Investment Advisor?!
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#479: Nicole’s 78-year-old mom is paying huge fees for low returns. How can Nicole help her mom make better investments? Paul is a single dad, worried about paying his daughter’s college costs. He’s trying to figure out how to report lower income on the FAFSA, so that his daughter can get better financial aid. Nick is in his 40’s. His long-term car…
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Buy the Damn Guac, with Jamila Souffrant
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#478: Ever skipped that extra drink, pricey cheese, or a night out for the sake of your wallet? If this feels familiar, then you’ll appreciate today’s episode with Jamila Souffrant. Jamila is a Certified Financial Education Instructor, podcast host, and author, guiding us on making savvy choices to save while still having fun. Jamila explores the p…
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Ask Paula: Investing for the Future vs. Paying Down the Past
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#477: Kayla is torn between paying off a loan early or catching up on missed retirement contributions. Josh wants to retire early and meets the threshold for zero capital gains taxes. Should he put all his retirement savings into a brokerage account? An anonymous caller wants to know how to merge financial lives with her husband from another countr…
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Astronaut's Guide to Taking YOUR Moonshot, with Mike Massimino from NASA and Big Bang Theory
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#476: Mike Massimino stared in disbelief at his TV. The date was July 16, 1969, and he marveled as Neil Armstrong and Buzz Aldrin landed on the moon. At that moment, he knew he wanted to become an astronaut. He was six years old. But as Mike grew older, he developed more “realistic” dreams. After all, every kid wants to become an astronaut. The cha…
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Tribute to Charlie Munger, The Man Who Taught Warren Buffett How to Invest
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#475: Born in 1924, Charlie Munger was raised during the Great Depression. At the time of his death on Tuesday, his net worth was estimated at $2.6 billion. But Munger’s greatest achievement wasn’t merely the scorecard of his net worth. His wit and wisdom, which Munger shared with the world through his book, Poor Charlie’s Almanack, which made him …
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Surviving a $35,000 Credit Card Scam, Job Loss and Foreclosure, with Tiffany Aliche, The Budgetnista
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#474: When Tiffany Aliche was in her 20’s, she fell victim to a credit card scam. A crafty swindler convinced her to take out a cash advance against her credit card for $35,000. He said that he’d invest the money and produce Bernie Madoff-style returns. She was an inexperienced investor. She believed him. She never saw that money again. Aliche work…
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Ask Paula: How to Pay Off a $8,000 Medical Bill Without Going Broke
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#473: Sarah has cash to pay a $8,000 medical bill but she’s reluctant to drain her savings. Should she sign up for the hospital’s interest-free payment plan? Jennie is an independent consultant but gets paid as a W-2 employee. Without access to a SEP IRA or a 401k plan, is there another option to save for retirement? An anonymous caller is wonderin…
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Happiness Habits, with Harvard Professor Arthur Brooks
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#472: Imagine this: You’re a teenage musical prodigy, a world-class classical French horn player. You drop out of college at age 19 and spend your twenties touring the globe as a musician (including, once, tripping and falling off the stage at Carnegie Hall). At age 31, you retire from your musical career, get a Ph.D., and become a professor – firs…
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Ask Paula: I Came Into A Lot of Money. What Should I Do With It?
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#471: Bob split a $350,000 windfall between savings and paying down his mortgage. But now he’s wondering if he made a good choice. Can Paula and Joe do the math to justify his gut-driven decisions? Julia wants to tap the equity from a second home to buy a third home in Texarkana, Texas. Is this a good plan? Joey Jr. wants to retire early, put two k…
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The GDP Grew 4.9 Percent, Unemployment is at a Near-Record Low … and Everybody’s Stressed About Layoffs
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#470: The economy is booming. GDP grew 4.9 percent last quarter, the fastest rate of growth since 2021. Consumer spending jumped 4 percent. Unemployment is holding steady at 3.8 percent, historically low. The U.S. added net new jobs for the 34th consecutive month. And yet – people are worried. Online discussion around layoffs at its highest point s…
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Ask Paula: Feeling FOMO About Your Home Equity? Here's What to Do
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#469: Lindy feels like her $300,000 of accumulated equity could be put to better use. But she doesn’t want to buy more real estate right now. What’re her options? Katie wants to become a landlord in her home state but she’s concerned about the effects of redlining. Should she look into Section 8? Claudia lives in Germany and wants to buy an apartme…
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How MICE Impacts Your Money, with Bryan Kuderna
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Money management is all about setting priorities. Maybe you have the twin goals of sending your kids to college while also saving enough for retirement. And maybe you’re struggling to figure out how to balance the two. Today, Bryan Kuderna, a certified financial planner, shares a framework for helping us set priorities. We talk about the importance…
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Ask Paula: Use One Debt to Pay Off Another?
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#467: Should Knoxville use a higher-interest Home Equity Loan (HELOC) to pay off a lower-interest 401k loan? Joelle’s tenant is interested in a rent-to-own agreement. Is this a good idea from a landlord’s perspective? A recent wildfire shifted Sharon’s house into a flood zone. Should she sell before FEMA redraws the map and it becomes official? For…
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How to Handle Medical Bills, with Dr. Virgie Bright Ellington
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#466: The Consumer Financial Protection Bureau reported in 2022 that medical debt is the most common reason to get a debt collector call. A Census Bureau study in 2021 found nearly 1 in 5 households (19%) couldn’t pay for medical care when it was needed. These statistics underscore the fact that the potential for unforeseen medical expenses to nega…
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Good News for the Economy; Bad News for the Markets
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#465: The Fed is holding interest rates steady for now. The jobs report is better than expected. Stocks and bonds are both going down. What's going on right now in both the economy and in the markets and where should you put your money and your time and attention? That’s what we’re going to cover in this episode. Links mentioned: https://affordanyt…
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The Science of Friendship (and How It Improves Your Net Worth), with Dr. Marisa Franco
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#464: More than ever, most people's lives are packed to the brim with activity. We are trying to fit in demanding jobs and families, commuting and a neverending list of chores. Social lives often suffer. It’s no wonder that in 2021, 12% of U.S. adults said they did not have any close friends, up from 3% in 1990. This has enormous consequences on ou…
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Ask Paula: Student Loan Deferment HACK – How Christina Saved $60,000 in Interest
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#463: Mary is struggling to compare two job offers: one from a large corporation and another from a tiny business. How should she decide? An anonymous caller wants to buy a different home, and convert his current home into a rental. How should he finance this move? Christina recently slayed her debt and put herself on track for financial success. B…
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Cracking the Code of the Rich, with Seth Stephens-Davidowitz
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#462: As a society, we’re fascinated by stories of the rich. We hear news, see social media posts, and read books about how others become wealthy, how to maintain that status, and what their lifestyles look like. But what if the media we’re consuming is misleading us? Dr. Seth Stephens-Davidowitz’s research shows that the stories about the rich tha…
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Ask Paula: A Year Off Work, a Career Change, and a Divorce: How to Make It Work
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#461: A special LIVE recording in front of an audience at Podcast Movement, an industry conference in Denver. Former financial planner Joe Saul-Sehy and I tackle two questions in today’s episode. Our first question comes from a soon-to-be-single-mother on the precipice of divorce. How should she navigate this financially? Our second question comes …
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The Mental Toughness and Confidence Blueprint, with Dr. Nate Zinsser
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#460: Mental toughness is the bedrock of starting a business, growing a multimillion-dollar portfolio, investing in real estate, crushing your debt, retiring early. Today’s guest, Dr. Nate Zinsser, mentors elite athletes, soldiers and executives in confidence and mental toughness. He is the sports psychology mentor for two-time Superbowl MVP Eli Ma…
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Ask Paula | 10-Year-Old Asks: How Do I Save for My First Car?
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#459: Andrey is a savvy 10-year-old wondering what’s the best way to save up for his first car. Ingrid wants to know if her parents’ preference for Retiring on Dividends is a better approach compared to the 4 Percent Rule. Erica’s part-time work schedule will place her in an unusually low tax bracket this year. Should she take this rare chance to e…
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The Reality Behind High Home Prices, with BiggerPockets CEO Scott Trench
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#458: Today we chat with Scott Trench, the CEO and President of BiggerPockets, a real estate investing education company with more than 2 million members. He joins us to share cutting-edge insights on today’s real estate market. We discuss economic trends, demographic shifts, and talk about how interest rates impact home buyers. Whether you're a po…
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Ask Paula: I Sold All My Stocks Last Year. Now I'm Kicking Myself
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#457: Angie sold all the stocks in her retirement account last year. And now the market’s climbing. What should she do with her $500,000 cash position? Christina will be graduating with six figures of student debt. Should she refinance out of a federally protected loan to lower her interest rate? An anonymous caller wonders how Paula and Joe handle…
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