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For business owners, are there any downsides to offering a 401(k) plan? How will you structure your plan to meet key employee objectives?

In today’s episode, Sam Legaspi and Koz Tsukamoto answer these questions and more with the help of David King, a 401(k) specialist and regional vice president at John Hancock. David throws light on seldom spoken-of facts about the 401(k) world that can benefit you as a business owner.

In this episode, you will learn:

• The key to attracting and retaining great employees
• Which 401(k) responsibilities business owners tend to forget about
• About the tax savings available to businesses by having a 401(k) 
• Questions to ask yourself when designing your business’s 401(k) plan
• And more!

Tune in now to learn the 401(k) facts you probably didn’t know about. 

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

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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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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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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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According to statistics, retirement is not a life stage that many people are planning for.

Today, Sam Legaspi and Koz Tsukamoto discuss how people’s everyday choices can end up taking a bite out of their retirement vision. They also answer questions from workshop attendants about budgeting, pensions, and other not-so-obvious, but critical, retirement subjects.

In this episode, you’ll learn:

• Effective strategies to gain control of your expenses
• Whether you can actually rely on your pension
• The overlooked detail that you must keep in mind about your pension
• How understanding the ever-changing financial rules can positively affect your retirement vision
• What a financial soulmate is and the importance of having one
• The benefits of downsizing during retirement
• And a lot more!

Tune in to this lively episode with Sam and Koz and learn how to protect your retirement vision!

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

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How exactly are sports and money alike?

Sam Legaspi and Koz Tsukamoto paint a picture of how these two are similar. More interestingly, they relate it to retirement and highlight which behaviors can destroy this stage of a person’s life. Then, they take it a step further to discuss how you can nip these behaviors in the bud.

In this episode, you’ll learn:

• Major factors that can destroy a person’s retirement
• The importance of self-discipline in curbing damaging money habits
• What the lottery effect and homeless effect are
• How you might shortchange yourself in benefits by choosing bifurcation of divorce
• And a lot more!  

Tune in for another engaging and action-inspiring conversation with Sam and Koz!

Resources:  Phone number: 800-640-8105

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After many years in the industry, your hosts have heard countless stories — good and bad — about their clients’ money habits.

In this episode, Sam and Koz use these stories as inspiration to bring you the top 10 mistakes that people make with their money. These are the blunders that can make the difference between a successful retirement and an unsuccessful one.

In this episode, you’ll learn:

• The essential financial call-to-action that most people ignore
• How society has normalized one of people’s biggest money mistakes
• Expenses most people don’t take into consideration when planning for retirement
• How an impulsive decision can cost you greatly in your future retirement
• And more!

Tune in now and learn about these common mistakes, so you don’t have to worry about making them!

Resources:  Phone number: 800-640-8105

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The magic of retirement planning is hardly magic at all. It’s a matter of learning the rules so that you can win the game and achieve financial freedom.  

In this conclusion to their three-part series, Sam and Koz reveal the three final rules of financial liberty.

In this episode, you’ll learn:

• How having a clear goal in mind will help you plan for retirement
• Why it’s essential to know your number
• About the relationship between The Rule of 72 and knowing your number
• Strategies to go from forever-taxed to never-taxed
• And more!

Tune in now and learn the most important rules to winning at life and wealth!

Resources:  Phone number: 800-640-8105 | Episode 4 – The Seven Rules of Financial Liberty: Part 2

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Playing by the rules can be fun and, most importantly, it can lead you to financial freedom. You’ll find out to play these rules in today’s episode of The Financial Liberty Project Podcast.

In the second part of The Seven Rules of Financial Liberty mini-series, Sam and Koz guide you through rules three and four, while sharing examples from their own lives.

In this episode, you’ll learn:

• How inspiration can help you achieve your financial dreams
• How to stay out of the panic zone when you’re on the doorstep to retirement
• Real-life examples of how inspiration fuels action
• Where to find inspiration
• How to transform your money habits
• How to start budgeting
• And more!

Tune in now and learn about the rules that will empower you to achieve your financial dreams!

Resources:  Phone number: 800-640-8105 | Episode 3 – The Seven Rules of Financial Liberty: Part 1