Tag Archives: Financial Liberty

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Episode 22 – Planning for 2020 and the Election Nightmare That’s Coming



There is going to be a lot of volatility and a lot of crazy going on in the market next year. Are you ready for it?

In today’s episode, Sam Legaspi shares how you can remain optimistic in the face of 2020 and the chaos that the next U.S. presidential election will probably spark. This is a must-listen conversation where you will learn what actions you can take to help protect your wealth during the inevitable market changes.

In this episode, you will learn:

  • How the market behaved during the 2016 presidential election
  • How the economy get impacted by nationwide feelings of uncertainty 
  • Why it is important to have a retirement plan
  • Why it is important to be informed about your money 
  • And more!

Tune in now to learn why an election year can wreak havoc on your finances and what you can do to protect yourself.

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


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Episode 21 – 401(k) Facts You Probably Didn’t Know About



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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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