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Episode 20 – The Secret Life of Retirees



When life is great, people will sing it from the rooftops and post about it on Facebook. It’s easy to then believe that the people around us, including retirees, have exceedingly fulfilling lives — but we’re getting an incomplete picture.

In today’s episode, Sam Legaspi and Koz Tsukamoto uncover the little-known aspects of retired life that retirees are too embarrassed to talk about. Sharing real-life stories along the way, Sam and Koz examine these unspoken struggles and offer their advice. 

In this episode, you will learn:

  • To what extent uncontrolled spending derails people’s retirements
  • Why a day of retired life can be more stressful than a workday
  • How loneliness can impact your retirement experience, including your health
  • And more!

Tune in now to learn about the challenges that retirees aren’t talking about.

Resources:  Financial Liberty Project: (800) 640-8105


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Episode 19 – The Sand Trap of Life: Dealing With Bad Situations



When things aren’t going the way you hope or want, do you give up?

In today’s episode, Sam Legaspi and Koz Tsukomoto share great lessons on getting through bad situations in life. This conversation is filled with stories about people who know what it means to be resilient, including Sam’s and Koz’s kids!

In this episode, you will learn:

  • How to deal with a spouse who gambles and is a financial liability 
  • The key to dealing with mistakes and failure in life
  • What tough-love can teach us 
  • The importance of looking in the mirror to make changes in life when you want to give up 
  • How facing reality can motivate you to overcome bad situations

Tune in now to get the encouragement you need to get through the sand traps of life!

Resources:  Financial Liberty Project: (800) 640-8105


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Episode 18 – Are You Marrying an Asset or a Liability?



Is love all that matters when it comes to marriage? How much does our choice of partners affect our finances?

In today’s episode, Sam Legaspi and Koz Tsukomoto discuss the effects that our choice of partner has on our financial future. They also point out which behaviors could signal whether your potential life partner is an asset or a liability.

In this episode, you will learn:

  • What makes someone a financial asset or a liability
  • How your choice of a partner affects you financially
  • Which money-related questions to ask yourself about your potential life partner
  • The significance of continuously co-creating a future with your spouse after getting married 
  • Why you should pay attention to people’s money habits while you’re in the dating stage

Tune in now and learn how to choose a spouse who will be an asset!

Resources:  Financial Liberty Project: 800-640-8105

 


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Episode 17 – How Politics and Investing Mix



Do politics and investing mix?

In today’s episode, Sam Legaspi and Koz Tsukamoto uncover how investing and politics do, in fact, collide. You’re in for an energetic and illuminating conversation as they discuss how this intersection influences our beliefs and behaviors around investing.

In this episode, you will learn:

  • About the many ways that investing and politics mix 
  • How our beliefs about political issues influence our investing behavior 
  • In what ways politics helps investing
  • Which two factors drive the economy
  • And more!

Tune in and join the discussion about how investing and politics mix!

Resources:  Financial Liberty Project: 800-640-8105


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Episode 16 — PLRs and the Solo 401(k) Plan



When it comes to retirement plans, there are many routes people can take. 

In today’s episode, Sam Legaspi and Koz Tsukamoto delve into one of those routes, the solo 401(k) plan. Due to upcoming changes from the Secure Act for small business owners, the solo 401(k) plan may become a more attractive option thanks to some of the benefits it offers. Sam and Koz additionally discuss what PLRs are, who they apply to, and how they work.

In this episode, you will learn:

  • What PLRs are and how they work 
  • What a solo 401(k) is and who it is for
  • The advantages of a Roth type of retirement strategy
  • Some of the benefits that come with having a solo 401(k)
  • How employer profit sharing contribution works 
  • And more!

Tune in now to learn all about the solo 401(k) plan and how business owners can benefit from having one! 

Resources:  Financial Liberty Project: 800-640-8105


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Episode 15 — Your Mid-Year Checkup



The second half of the year is here, making it the optimal time to check on your 2019 goals. 

In today’s episode, Sam Legaspi and Koz Tsukamoto provide a list of important things to look at during your mid-year checkup. From budgets to retirement contribution goals, they put you on track to end the year in the best way possible.

In this episode, you will learn:

  • The importance of a half-year financial check-up
  • Why your subscriptions are a good place to save money
  • Why you should check if you’re on track to achieving your retirement contribution amount goals
  • Why sole proprietors may want to look into starting a solo 401k considering the changes coming up in the Secure Act
  • And more!

Tune in now to learn which areas of your finances you should be checking on and the adjustments you can make today to end the year right! 

Resources:  Financial Liberty Project: 800-640-8105


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Episode 14 – Uncle Sam’s New Plan to Help You Retire



Uncle Sam’s new plan for retirees, the SECURE Act, is a real mixed bag.

In today’s episode, Sam Legaspi and Koz Tsukamoto discuss the SECURE Act’s proposed changes, which have potential for both good and bad outcomes. This is your chance to find out how this new plan could shake up your retirement planning. 

In this episode, you will learn:

  • The new rules included in the SECURE Act
  • How the new requirement to empty out your IRA within 10 years threatens the strategy to stretch it out
  • The positive and negative sides to the Act’s new 401(k) feature 
  • Some of the reasons for these changes
  • Why the new law that allows small businesses to band together to create a 401(k) plan for their employees is a good thing
  • How the proposal to push the required minimum distribution age from 70 ½ to 72 is good but only delays the inevitable

Tune in to learn about the upcoming changes proposed in the SECURE Act and how they may impact you. 

Resources:  Financial Liberty Project: 800-640-8105


Episode 13 – 7 Scary Retirement Stats



While this topic isn’t for the faint of heart, knowing these seven stats will help you plan for a secure retirement.

In today’s episode, Sam Legaspi and Koz Tsukamoto uncover seven scary retirement statistics that will move you to take action. This is your chance to learn from other people’s mistakes and plan for a happy retirement.

In this episode, you will learn:

  • Some of the changes that may occur with Social Security in the next few years
  • Whether or not Social Security is 100% taxable
  • Why the average age of retirement is scary
  • The dangers of withdrawing money from a retirement plan if you’re under 59 years old
  • The numbing yearly cost of health care
  • Why it is important to budget for fun
  • And more!

Tune in to learn what these scary stats are and how you can put your best foot forward!

Resources:  Financial Liberty Project: 800-640-8105


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Episode 12 – Exploring Your Real-World Money Thoughts



How do you approach the everyday thoughts you have about your financial situation?

For Sam and Koz, it is diagnosis first. In today’s episode, they take some real-world thoughts that different people have about their finances and diagnose what the possible underlying issues could be.

In this episode, you’ll learn:

  • Why it is important to have a financial philosophy
  • How sticking to your financial philosophy when faced with distractions can help you stay on track with your goals
  • Common financial issues that people may misdiagnose 
  • Benefits of using the right tools to understand your financial questions
  • And more! 

Tune in to join Sam and Koz as they dissect real-world thoughts that people have about their finances.

Resources:  Financial Liberty Project | Phone number: 800-640-8105

 


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Episode 11 – Six Things That Should Make You Go “Hmm”



What exactly makes a person go “hmm” in the midst of financial planning?

Sam and Koz begin today’s episode by answering a listener’s question about retirement planning, and then they move on to discuss six things that everyone should pay attention to in their financial planning.

In this episode, you’ll learn:

  • Why you should increase your life expectancy to 100 when creating your financial plan
  • What turnover looks like in your portfolio and why you should keep it a minimum
  • How hidden fees in some investment vehicles can increase your costs
  • Why relying on a single investment is a bad idea
  • What it means to have a tax-efficient strategy

Tune in to have your own “hmm” moments as you learn six things to watch out for in your financial plan.

Resources:  Financial Liberty Project | Phone number: 800-640-8105