The Scott Alan Turner Show

By Scott Alan Turner | A personal finance show that includes financial freedom, cats, Star Trek, grilling tips, and everything else you won’t find on Dave Ramsey, Clark Howard, or Suze Orman

Listen to a podcast, please open Podcast Republic app. Available on Google Play Store.


Category: Investing

Open in iTunes


Open RSS feed


Open Website


Rate for this podcast


Ed Frizzell
 Jul 22, 2018
Great podcast! Very informative and helpful! Keep up the hard work. I recommend the podcast and its irreverent format!

Description

Scott Alan Turner is a former money moron, living the paycheck-to-paycheck lifestyle, losing $40k following bad investment advice, and racking up a load of credit card debt. But by age 35, he turned it all around and became a self-made millionaire. In a world of get-rich-quick schemes, biased advice, and financial Pied Pipers, Scott’s authentic, no-holds-bared approach makes it possible for anyone to absolutely rock their personal finances. Scott is on a mad mission to help you get financial independence, ultimate happiness and a life full of awesome experiences. With his rebel style, off-beat humor, and signature life-on-your-own-terms approach, Scott’s inspiring a movement of Financial Rock Stars across the globe. Join Scott at www.scottalanturner.com

Episode Date
449: 60 Second Retirement Planning
08:36

Scott's on vacation this week, but we have a mini show until he returns.

- Maria and Matt (UK) want to pay off their mortgage and ask for Scott's thoughts on their retirement plan. Using the Rule of 25 you can guestimate how much you need to not outlive your money over 30 years.

Aug 13, 2018
448: How To Turn Your Financial Life Around
39:45

- Sydney is our second personal finance scholarship winner. She found the key to the fountain of money and shares it.

- Michelle shares when brand names DO matter.

- Steve asks about his 457 plan and if he can withdraw the money without penalty.

- The penny pincher girlfriend asks if her partner should save money in his 401(k).

- Will you be prepared to pay $6,000 a month for your aging parents?

- Debt Free Mum of 3 shares her August goals.

Aug 10, 2018
447: Are You Losing Money On These Grocery Store Tricks?
39:45

- Jax is the winner of $1,000 for the personal finance scholarship. Hear how his mother inspired his relationship with money.

- Lori asks what her 15-year-old should do with the $2,000 she has saved.

- Austin is newly married and asks if his financial plan has any red flags

- A teacher quits his job to shop for others full time and is earning $100,000 a year.

- Lisa is caring for four grandkids and needs help figuring out how to pay for care.

- Red alert warning - a new pump and dump scam.

- Are you falling for these grocery store tricks? Save money by identifying fake labels.

 

Aug 08, 2018
446: How Safe Is Your Job In This Booming Economy?
39:45

- Bill asks about different auto deposit options at investment companies.

- Grant's mom is getting a $35,000 settlement and wants to know the impact on Medicaid.

- Jimmy (New Jersey) has 7 more years in the Army National Guard and is deciding on putting the money in a TSP or something else.

- Nathanial comments on Scott's take on credit cards vs. debit cards.

- How to select a charity and not get ripped off.

- Is your employer doing well on the surface? 351 employees of a car dealership are not getting a paycheck because of mis-management. An important story on why you must have an emergency fund.

- Lexie is winning with the cash envelope system.

Settlement Alliance - https://www.settlement-alliance.com/

Aug 06, 2018
445: How Not To Fund a College Education
39:45

- What you need to avoid at Costco.

- Dan asks about using the cash value from whole life insurance to fund college education.

- Lucy's husband has a Thrift Savings Plan and asks about if a Roth or regular plan is best.

- James wants to know how much to start investing with.

- Well Where Did My Money Go is back in the news with more fines.

- Scott shares how to get your kids (as young as 4) started learning responsibilities and working in life.

- Missy pays off $1.2M in debt over 8 years.

Share your success story: https://scottalanturner.com/share-debt-success-story/

Aug 03, 2018
444: Are Emergency Funds A Thing Of The Past?
39:45

- Bruce Williams. 6th greatest radio host of all time. Retired. And he should stay that way.

- Anthony (YouTube) asks if he has a regular IRA if he can convert it to a Roth IRA.

- AT would like to make some housing upgrades but wonders if the money should be put towards other goals like retirement or an emergency fund.

- Home buying mistakes every age group may be making. Have you made it? Scott has.

Aug 01, 2018
443 Are Teenagers Making This Credit Score Mistake?
39:45

- The views on credit scores are very different among teenagers. Scott shares which ones have it right.

- Omid (Camarillo, CA) questions if he should stay with Well Where Did My Money Go or switch to a local credit union.

- Jenni has a question about a company charging $50 a month and promises to make you money.

- Antonio is 23 years old and deciding on the best way to divide up his income for investing.

- What are the best 529 College Savings Plans?

- Red alert warning to pay attention to online purchases that may include unnecessary add-ons.

- The inspiring story of a teenager who decided to make candy for other kids and donate part of the profits to help homeless children.

Jul 30, 2018
442 How Much Should You Put In Your Emergency Fund Each Paycheck?
40:15

- Ana (Wellington, FL) asks about filing for bankruptcy to get a fresh start.

- Libraries are under attack! Scott shares why these valuable resources should remain and all they have to offer.

- Adrian is starting a new job and wants to know how much to put into an emergency fund each month.

- Vickie (Laveen, AZ) wants to help herself and her children to earn extra money so they no longer have to struggle.

- Business ideas for teenagers.

- This company is paying back tens-of-millions in fraudulent charges. Are you owed money?

- The story of a teenager who isn't letting growing up poor define him.

Jul 27, 2018
441 How To Find Hope In Your Situation
39:45

- Scott shares some new and creative ways to save money every day.

- R2D2 can't find financial help for an hourly fee and asks where to look.

- Are you relying on a pension to fund your future? Another warning for failing promises you don't want to count on.

- What's going on in your 401(k)? Another major company is being sued for $140M because of mistreating their employees.

- Larry (Augusta, ME) had a financial hardship and wonders if he has any hope of retiring.

- Is someone in your family (or you) going to make this huge retirement mistake?

- William has a few negative marks on his credit and wants to know how to get rid of them.

- Ana (Wellington, FL) feels like she is drowning and can't afford her car.

- Robert is moving to a new city with his girlfriend and she doesn't want to discuss splitting up the bills.

Jul 25, 2018
440 Are You A Loser? I Am.
08:55
Jul 23, 2018
439: How To Handle The People Holding You Back
39:45

- Find out what happens when you go to a Tony Robbins event.

- Jake asks about banking at Walmart and the private bank he uses compared to the big banks.

- A new study shows more people are registered for credit card rewards than retirement plans.

- Geras is starting college and wonders if picking stocks is the best way to get started investing.

- Alan has been getting crushed by his advisor with fees and asks if it's time to switch to something else.

- Adrian asks about the best financial apps for your phone.

- Some interesting excerpts from the personal finance scholarship essays.

Jul 20, 2018
438 Real Artists Don't Starve
39:45

- Why you don't need a dime to have a vision.

- R2D2 asks if there is an issue opening an ira for both me and my wife and maxing out at $11,000

- Karen had a friend die of cancer but who had his financial house in order. She asks what you should do to make things easy on your surviving family once you are gone.

- Chrissy has a toddler and is barely living paycheck to paycheck. She asks about a work from home opportunity to become a virtual assistant while she pursues her passion of acting.

- Christina asks what is the difference between a Roth IRA and a traditional IRA

- Never stop singing!

Links / resources mentioned:

Real Artists Don't Starve by Jeff Goins - https://www.amazon.com/Real-Artists-Dont-Starve-Strategies/dp/0718086260

Jul 18, 2018
437: Look At The Big Brains On Branjelina
13:23
Jul 16, 2018
How To Get Out of a Funk
08:55

- Scott is on break today but shares some tips on getting out of your funk.

Jul 13, 2018
435 Heidi Has $25,000 In Debt And Asks How Long It Will Take To Pay Off
39:45

- More tips on identity theft protection from a former con artist.

- Laura has an opportunity for a side hustle but wonders if it's a pyramid scam.

- Heidi (Brooklyn, NY) is looking for a plan to pay off $25,000 in debt.

- From cupcakes to cattle raising - the side hustles of NFL players.

- Jessie has a SIMPLE IRA with a company match and needs help with the investment choices.

- Katie gets her real estate license.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Jul 11, 2018
434 Solo Asks How To Pay For IVF When It's So Expensive
39:45

- Catch me if you can! Frank Abignale on protecting yourself from identity theft.

- 43 million Americans are making this mistake with their credit cards. Are you one of them?

- Beth asks the best place to buy tires.

- Morgan has property taxes due and asks how best to save for them.

- Solo is looking to start a family and the $15-$30k cost of IVF treatment is a challenge. Scott and Katie weigh in since they had to go through two rounds of IVF.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Jul 09, 2018
433 The King Is Dead, Long Live Elves
39:45

- Catwoman pays off $60,000 in debt!

- Richard (New Zealand) trades in his BWM for a big pile of money.

- Another brilliant mind bites the dust. How it impacts your finances.

- Heather wonders about free/cheap things to do this summer.

- Benjamin is 16 and asks what the best place to invest is.

- Karsten (Lynchburg, Virginia) is heading off to college in the fall and asks about making money while at school.

- The job market is out of control. Are you afraid of leaving a cushy job to make more money?

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Jul 06, 2018
432 Improve Your Fireworks I.Q.
08:49

It's a short show today because of the July 4th holiday. Happy Birthday Merica!

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Jul 04, 2018
431 Make More With Beast Mode
39:45

- Marshawn Lynch is famous for eating Skittles. And for scoring touchdowns. But his savings philosophy is what some people are starting to follow to build wealth. Find out what is.

- How to get rid of a timeshare.

- It's never too late to get started, but it's sometimes too late depending on how far away the destination is.

- Ann has a Roth 401(k) and asks if doing a Roth IRA would be better.

- Jennifer is recently divorced and trying to figure out how to budget.

- No more overtime! How to get ahead with less by doing more (sometimes).

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Timeshare Users Group - http://tug2.net/

Jul 02, 2018
430 Lose Your Stress Today
39:45

- What are people stressing out about more than politics or health? Hint: It's not where Lebron James is going to end up.

- Why gold is the worst way.

- The great pillow challenge is complete - find out how to get a better night's sleep!

- Christina has a correction for us on free water at fancy restaurants.

- Chris asks for a robo advisor report

- Geordi is doing a backdoor Roth IRA conversion and asks when the last date the conversion can be done.

- Travel tips - how to save time on your next (and all future) trips to the airport.

- Katie vents on children asking for everything. Are you a parent (or know one) that gives in?

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Jun 29, 2018
429 The Biscuit Bar
39:45

- What do your childhood memories mean to your financial present and future? Scott shares the importance of looking back to see if bad beliefs are holding you back.

- DJ (SoCal) has an existing 457 plan and asks about moving it to a new employer.

- Rob is 60 years-old and has $300k in student loan debt. He is concerned about paying for his kids education.

- The Biscuit Bar (one of the best ideas ever) is another example of starting a business nobody knew they needed.

- April asks for the list of index funds that are good to invest in.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.thebiscuit.bar/

Jun 27, 2018
428: What To Do With All That Stuff?
39:45

- Older generations are downsizing and are trying to figure out what to do with all their junk. It's time for you to score some deals!

- Janet asks what is a PLUS loan?

- Samnang is struggling with a car loan.

- Christina corrects Scott on the proper way to order free water at a restaurant.

- Some home monitoring services are an absolute rip off.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Jun 25, 2018
427: Christina Asks About Borrowing Against a 401(k)
39:45

- ChristinA asks if it's ever ok to borrow from a 401(k) for something like a house downpayment.

- JT provides a bunch of tips (some are probably new to you) to help protect your identity.

- How to keep kids busy this summer.

- Wells Fargo is reimagining a better future where they don't rip off their customers.

- This month's Kibble Burger. The same as last months. Again.

- ChristinE looks for advice on the pros/cons of paying insurance in advance (6 months or yearly) vs. every month.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.wsj.com/articles/how-to-keep-cooking-obsessed-kids-busy-this-summer-1529431993

Jun 22, 2018
426: Trump Chicken Towers - Now Open
39:45

- A member of Scott's entourage backs out of a house deal. Listen to what happened and how you can apply the purchasing decisions to your own life.

- Kate asks about the dang fine Instapot recipes Scott is willing to share with everyone.

- Red alert warning - Orenda coffee makers - please don't buy one!

- Morn Deep is trying to make sense of their 401(k) options.

- Michael is starting the think about retirement and asks if it's better to take an early distribution from his pension and collect the money starting at age 55.

- Are you in one of those seasons where your money is going out faster than it's coming in? You're not alone.

- Do you have your emergency rations ready for an alien invasion? Or at least a short emergency.

 

 

Jun 20, 2018
425: Let's Go Barbie
39:45

- Scott shares several recent examples of people who went to school for one thing and are doing something completely different in their careers. What are the chances you will be doing what you went to school for over your life time?

- Red alert warning - a new report out shows colleges are using creative math in their acceptance letters and not telling the real deal on how much college will cost.

- Ysagani asks about the differences between managed investing accounts and self-directed investing accounts.

- Barbie (Charleston, SC) is a 21-year-old college student who needs help with a budget and paying off some credit card debt.

- Are credit card rewards for an annual fee worth it?

- Brian (MN) invested in a new kitchen for a rental and comments on the tax breaks.

- Quote of the day from Selena Gomez (yes, Selena Gomez).

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Jun 18, 2018
424 Always Keep Going
39:45

- Hear the story of a listener who had a great plan, then got delayed due to an injury. What would you do in their position?

- Britney has a 401(k) and asks if she should be doing something else.

- Linda (Canada) is looking for money saving tips.

- Priyanka's parents are $20,000 in debt and she asks how she can help them.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Jun 15, 2018
423: 101 Ways To Prepare Ramen Noodles
08:49

- Back from vacation, but we had to call in a vacation day from the vacation because of how late we got back. But we still have some inspiring words of wisdom from Emma, a future world leader.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://scottalanturner.com/personal-finance-scholarship/

 

Jun 13, 2018
420: How Will The New Tax Laws Effect You
39:45

- Brian asks about the 2018 tax law changes and how they might impact the home mortgage interest deduction.

- Scott rants on yet another Silicone Valley insider that has all the secrets to the next great investment - for a very special price!

- Organic wheat is the latest ripoff to your hard earned money.

- Lori has a question on her retirement plan and wants to know what questions she should ask her human resources leader about picking the best options for her.

- Lean is considering using Quicken and asks Scott about his feelings on it.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Jun 12, 2018
422 The Italian Diet Crisis
08:49

Scott's on vacation but he left you with a few words of wisdom until he returns. Think bread!

Jun 11, 2018
421 Hail To The King
39:45

- A hail storm rips through Scott's neighborhood and takes out hundreds of cars with it. Hear the warning of being properly insured from what life can throw at you.

- Lautrice is 28 and just started her first employer retirement plan. She asks if the investments that were selected for her are the best available.

- A follow up to Angie's situation on if her mother should buy a fixed annuity to help protect assets from a potential nursing home stay.

- Linda is 51 and trying to get term insurance without being employed. She asks for advice after being turned down.

- Money saving tips for the summer.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

National Academy of Elder Law Attorneys - https://www.naela.org/

 

Jun 08, 2018
419: When Is The Best Time To Buy A New Car?
39:45

- What are the best steps for you to take to save money on a car? And when is the best time of year/month/week/day to buy?

- Alexis got a $5k tax return and asks where to start investing.

- Spock is considering taking an early withdrawal from a 401(k) to pay off some debts and asks if it's a good idea.

- Caitlyn wonders when is a good time to buy appliances.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Jun 04, 2018
418 How Rich is Rich? Your Magic Number
39:45

- How much money do you need to be rich? The big banks have your answer, but are they right?

- Scott has a cheap tip to ease your aches and pains.

- Angie (Dover, PA) checked into her aging parents finances and wants to be prepared if they enter a nursing home. A financial advisor told her to buy a fixed income annuity to protect their assets. Is this good advice?

- Katie shares a tip on saving money on orthodics.

- Why the little things in life matter.

- Red alert warning on this latest 'hot' stock tip to avoid.

- The amazing story of an active NFL player who just finished his medical degree.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Jun 01, 2018
417: Why Some People Hate Target Date Funds
39:45

- Scott rants on someone who says target date funds stink.

- Anthony asks what an umbrella policy is.

- Austin has a question on the savings strategy that uses stocks and bonds.

- Why the little things in life matter.

- Karin uses a list to save money at the grocery store.

- Red alert warning on scratch and no win tickets from car dealers.

- Dessert Sandman shares his financial independence story after being $100k in debt.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

May 30, 2018
416: Understanding Your Employer Match So You Don't Lose Money
39:45

- Linda has a new job and asks about her 410(k) plan and how the employer match works.

- Plumbers (yes, plumbers) are the latest hot job, and they are being offered $5,000 signing bonuses.

- Sharan is a Junior at the University of Texas and asks how she can afford to go to law school.

- A former FBI agent shares some tips to protect your identity and the money in your bank accounts.

- Clown around for $100/hour

- Red alert warning on scratch and no win tickets from car dealers.

- Politicians who can't manage their own finances would love to manage yours.

- Mike and his wife paid off $12,000 of debt in 10 months!

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

http://www.rosietheclown.ca/

 

May 28, 2018
415 Getting a Better Mortgage
39:45

- Scott reviews the Better mortgage service to give his take on if you should consider this option if you're in the market for a new home or refinance.

- Brokers are getting broker, and they are turning to your pockets to make up the difference. Watch out!

- Max asks a question about taking money out of a 457 plan without penalty and how that works.

- Chris got a $365k inheritance and wants input on how he should handle the windfall.

- Kibble Burger is at it again, fleecing fools from their money.

- Karin shares a win on getting her finances in order.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://better.com/

https://scottalanturner.com/personal-finance-scholarship/

May 25, 2018
414 The Story of Mrs B
39:45

- How a handshake led to a sale worth $40 million to a Russian immigrant.

- Should you hide your wealth if your working towards financial independence?

- Greg is retired and can no longer afford his home, but if he sold it he wouldn't break even. He asks for advice.

- Mark was just downsized and wonders if he should pay off his debts with his severance.

- Katie visits a tiny home and talks about moving into one.

- Scott gives the step-by-step process of buying a new appliance, and how you can save money on your next purchase.

- A story of why financial independence is appropriate at every age.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.nfm.com/list.aspx?dsNav=N:0,Ntk:primary|OurHistory|1|

May 23, 2018
413: How Brian Saves Money Just By Asking
39:45

- Red Alert Warning about a new phone scam.

- Chris protests his property taxes and saves a bundle. Hear how you can too.

- Dr. J (California) is going on a credit card diet and asks if the myths about debit card protection are true.

- Misty is at the end of her rope with debt and asks for help.

- It's the time of year you need to protect your emergency fund from HVAC scams.

- Brian (Pittsburg, PA) shares a win on how he's saving money just by asking.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

May 21, 2018
412: 98-Year-Old Secretary Dies With $8.2M Fortune
39:45

- 98-Year-Old Secretary dies with $8.2M fortune

- Beth (Auburn Hills, MI) takes some stock she got from her grandparents and finally trades them in for some low cost index funds.

- A couple with seven kids dies in a car crash and without a will. A warning to all listeners about protecting your family from the unknown.

- Taylor (Columbus, OH) is deciding what type of vehicle to purchase after his lease ends if he's driving a lot and already has $20,000 in debt.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://mobile.nytimes.com/2018/05/06/nyregion/secretary-fortune-donates.html

May 18, 2018
411: How We're Making An Extra $400 A Month
39:45

- Scott shares how they have recently come out ahead and helped out someone in the process.

 

- K has a money saving tip when eating out at fast food places.

 

- Meannia (Jackson, MS) asks how to get back up after you've been down.

 

- Mo leaves the greatest voicemail yet in the history of the show, praising the greatness of the host.

 

- Tara interested in leaving her corporate job but doesn't know how to make the numbers work.

 

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

The Puff Oven Pancake - https://www.texascooppower.com/food/recipes/puff-oven-pancake

- Ways to help your kids from blowing any money you leave behind to them if you've achieved financial independence.

May 16, 2018
410: Deconstructing a Pigeon for $500
39:45

- Dave asks if he is crazy to be invested 100% in an S&P 500 index fund if the money is all for my grandkids and he’ll never touch it.

 

- Hammer Time offers a warning on ROBS and rolling your retirement into cupcake funds.

 

- Ryan (Phoenix, AZ) has an update on the housing situation he is considering.

 

- Grocery store items are not created equal. Scott has a food saving tip that will save you some money.

 

- Summer gas prices are on the rise. Find out how you can save at the pump.

 

Links mentioned on the show:

 

Please share the show by visiting http://ShareTheShow.com

 

May 14, 2018
409: George Loses $100,000 From Advice On The Radio
39:45

- Retired airline pilot George L. Sims lost $100,000 following the advice of someone on the radio. Could you be next?

 

- Pauline (Boston, MA) is 55 and blind. She has credit card debt and owes the IRS money and asks for help on her situation.

 

- Old Macdonald (Anonymous) is interested in hearing the pros/cons of a mortgage recast.

 

- Scott speaks at SMU on passive aggressive investing and shares how to keep more of your money.

 

- Last minute Mother's Day gifts.

 

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

- What should you have in case of an emergency? Probably not this $995 fashion survival kit.

May 11, 2018
408: Alain Apologizes to His Customers For Selling Them Bad Investments
39:45

- Cecilia (Lawrence, MA) has $66,000 in credit card and student loan debt and need help figuring out how to pay it off.

 

- Scott's review of the Ghost Pillow.

 

- Katie discovers a place you can have birthday parties for free - activity included!

 

- Alain used to sell high cost mutual funds but after a year he was sick to his stomach. Find out what he did about it.

 

- Denise is 58 years old and has unpaid bills, while trying to get ready for retirement.


Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

May 09, 2018
407: Cereal Milk
39:45

- Discover one person's journey from a small town to big city fame and fortune, due to her love of cookies.

 

- Brian is 36 and asks if his choice of investments is nuts for his age.

 

- Luis is about to get evicted because his income has dried up, and he doesn't know how he will support his daughter.

 

- Rebecca (Canton, NY) has spent down her emergency fund and asks how to build it back up.

 

- Scott talks about the Ghost Pillow and why a good night's sleep is so important, but not if you overspend for it.

- Andy quit smoking after 30 years, has lost 30 pounds, and wants to help others do the same.

 

Links mentioned on the show:

 

Please share the show by visiting http://ShareTheShow.com

May 07, 2018
406: Earning $1 Million a Year, And Still in Debt!
39:45

- Some people think they are living the dream but the reality is they will wake up to a nightmare later on - old and broke! Scott shares the story of one couple that spends $42,000 a MONTH and has nothing to show for it.

 

- Denise is 58 and has a lot of debts. She asks how to get back on her feet financially.

 

- Liam meets a 20-something-year-old who expects to make a big income just because they graduated from college. Scott rants on the privileged mindset of people who haven't paid their dues.

 

- If you're a small business owner - or looking to be one - hear some tips on how to make money faster.

 

- Gen admits to being materialistic and has a lot of debt at age 19, and asks for advice.

 

- Grace asks how best to save for private school.

 

- How one church paid off $10.5 million of medical debt to help people out.

 

- A red alert warning about fake best-of lists.

May 04, 2018
405: What To Do If You Have a Really, Really Large Amount of Debt
39:45

- Scott shares why boundaries are important to achieving your money and life goals.

 

- Karin asks if employer sponsored life insurance is necessary if you don't have kids.

 

- Oscar asks when the show will include a live call in.

 

- If you're looking for a better paying job, some cities will pay you to move.

 

- Jen (Houston, TX) is about to miss a mortgage payment and asks if its ok to miss it to wait for her new job to start.

 

- Gen admits to being materialistic and has a lot of debt at age 19, and asks for advice.

 

- Looking for some quick cash and an easy business where you set your own hours? We've got a new one to share.

 

- Randy is 18 and has a couple thousand to invest, but isn't sure where to invest it.

 

- Mike is 42 and has $489k in total debt, with very little saved for retirement. He asks if it's better to wait and pay of the debt first or invest and pay off the debt at the same time.

 

- If you're in the market for a new car, check out these options.

 

Links mentioned on the show:

 

Please share the show by visiting http://ShareTheShow.com

 

May 02, 2018
404: What Kind of Insurance Should You Have?
39:45

- Wells Fargo - how are they still in business?

 

- How good is your 401(k) knowledge?

 

- Grace asks what types of insurance she should have.

 

- Brian is 37, divorced and paying child support for his four kids while just scraping by. He asks for some advice on his situation.

 

- Karin has $300,000 in student loans, $15k in credit card debt, and is trying to save up for a house.

 

- A new way to test out that car you're thinking of buying, without the hassle of dealing with the car dealer.

Apr 30, 2018
403: Ryan Is 23, Should He Consider Buying A House?
39:45

- Scott rants on the marketing tactics of Wall Street trying to get more of your money.

 

- Ryan (Phoenix, AZ) is 23 years old and figuring out how to best save for a house down payment while paying high rent.

 

- Shalonda (Illinois) is relocating to Tennessee soon and trying to find a new job while she's unemployed.

 

- Laura has her rental home broken into and the Simpli Safe security system stolen.

 

- Amanda works full time and has two young boys. She and her husband ask for suggestions on how to make extra money while working full time.

 

- Lisa is struggling with credit cards bills and asks how to break the paycheck-to-paycheck cycle.

 

- A red alert warning about business scams.

 

- If you're not saving enough to help your family, you might be interested in having granny live in the backyard.

Apr 27, 2018
402: Honey for Nothing, Twix for Free
39:45

- Share your debt success story and get a pre-gift of some Bad Bee Honey.

 

- Joseph asks about how to format a letter to a CEO when trying to get a problem corrected with service or a product.

 

- Chad has a 14-year-old and wonders if having her save 20% of her paycheck is good enough, or is something better.

 

- Amy is some old retirement plans from a former employer worth $31,000 and is thinking about rolling them into an IRA.

 

- Scott and Katie give their respective reviews of the Freshly food delivery service. Try our discount code and get a discount!

 

Links mentioned on the show:

 

Please share the show by visiting http://ShareTheShow.com

 

https://scottalanturner.com/share-debt-success-story/

Apr 25, 2018
401: The Cookie Tax
39:45

- The cookie tax is a fantastic way to teach kids about money.

 

- Nuno wonders how the message of the program would relate to people in other countries who have different economic systems and situations.

 

- Aimee (Asheville, NC) asks how do you start to get out of debt, when you’re already living paycheck to paycheck, and sometimes over your means.

 

- Melinda (Costa Rica) has a family and her husband recently lost her job. They are trying to figure out how to make up for the lost income.

 

- Bill (Lincoln, NE) is trying to decide between a regular 401(k) and the Roth 401(k).

 

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Apr 23, 2018
400: How To Keep Your Awesome Credit Score
39:45

- Jason (North Carolina) is upset with Bank of America and asks what impact closing his BoA credit card will have on his 800+ credit score.

- Dwight (Texas) asks if he can collect both Social Security and his employer retirement benefits at the same time.

- Pablo (Palm Springs, CA) has a family (and 5 cats!), is age 39, and confused on how to start his financial independency journey.

- Have you heard of DoughLuv? It's the future of cookie dough, today!

- Are you falling for the advertisements from investment companies?

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://faq.ssa.gov/link/portal/34011/34019/article/3739/what-happens-if-i-work-and-get-social-security-retirement-benefits

Apr 20, 2018
399: Best Ways For Teens To Get Started In Their Financial Future
39:45

- Mimi is a high school math teacher and asks for the best ways for 17-year olds to start their financial future.

- Real life car leasing - a story of why the residual value on a lease can come back to bite you.

- Dave (Dallas, TX) is funding six 529 plans for grandkids and wonders why Vanguard's website points people to the Nevada plan. Scott went with the Utah plan for it's low costs.

- Pet related tax deductions.

- Renee (Monroe, OH) asks about the Costco brand of memory foam mattress Scott prefers.

- Pari has a follow up question on medical bills gone into debt collection and ow to get them taken care of.

- New ways to make money - crafting a cactus.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.financial-planning.com/news/how-financial-advisors-defrauded-kardashian-clan-others

 

Apr 18, 2018
398: Wheel of Fortune
08:55

It's our last short show until our glorious host returns!

Hear about Scott's 2nd grade teacher who taught elementary school for 47 years! He sat down with her for lunch to find her motivation.

Plus, a very important announcement.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://scottalanturner.com/personal-finance-scholarship/

 

Apr 16, 2018
397: Luis - Poor in Youth, Rich in Life
08:55

Scott is away from the studio this week. We recorded a few short segments to keep you motivated until his return.

Luis (San Antonio, TX) and his family came from Mexico to find better opportunities in America. Hear the lessons he's learned from growing up poor. He is one of our personal finance scholarship applicants.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://scottalanturner.com/personal-finance-scholarship/

 

Apr 13, 2018
396: I Make Sexy Teeth
08:55

Scott is away from the studio this week. We recorded a few short segments to keep you motivated until his return.

Small business owners, entrepreneurs, and yes, even employees working as a cog in the machine, all have to advertise themselves to make more money. Discover some tips you can apply to your own life or business to get ahead of that competitor or person in the cube next to you.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Apr 11, 2018
395: Staying The Course - Corinne is Debt Free!
08:55

Scott is away from the studio this week. We recorded a few short segments to keep you motivated until his return.

In this flashback to August of 2016 we hear Corinne and her workplace struggles, and find that today she is debt free.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Apr 09, 2018
394: The Cheapskate's Guide To The Good Life?
39:45

- The cheapskate's guide to the good life is quite catchy, but the author's of this fine writing article have no clue what being cheap is all about.

- How to get medical procedures approved faster when you're dealing with insurance companies.

- Shelly thinks there is something wrong with her because she can't stick to her budget. Scott gives some tips to sticking to your plan.

- Ric (San Antonio, TX) has a Thrift Savings Plan and is comparing the retirement date funds vs. individual funds for investing.

- Nuno has some investments and asks how best to reduce the taxes on them.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.tsp.gov/PDF/formspubs/high18a.pdf

https://graphics.wsj.com/image-grid/OD50Spring2018/

 

Apr 06, 2018
393: Millionaire Teachers
39:45

- Two teachers crack the million dollar mark. Hear how they did it.

- Jessica is age 32 and just got married. She and her husband are trying to figure out how to become millionaires in 13 years or less.

- A new study showing the true costs of not shopping around for insurance.

- Angela's husband wrecked her credit and she asks about getting out of debt.

- Kevin has a follow up comment on MoviePass

- Should you use a real estate agent to sell your house?

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.consumerfinance.gov/owning-a-home/explore-rates/

Apr 04, 2018
392: Why Leasing A Car Won't Make You Rich
39:45

- John gives some statistics on why leasing a car is good for some people. Scott retorts with his own statistics in today's rant.

- Rick and his wife are both 60 and wonder if they will hit their retirement savings goal by age 65.

- Pari has a follow up question on medical debts and if they impact your credit score.

- Tom is age 26 and needs some help with an old 401(k) and a new 401(k).

- Did you know about Costco hot dogs?

- How to sell your home without a real estate agent. Maybe.

- A couple teachers hit the $1M savings mark. Discover how they did it.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Apr 02, 2018
391: The 80-Year Old Millenial
39:45

- What are people afraid of in the future? A new study about Millennials sheds some light on the stuff keeping us up at night.

- Jahmiel has a new job and transferred an old employer's 401(k) to a new 403(b). He asks if he should use retirement funds to pay off credit card debt.

- T. is lawyer who doesn't like his job. Katie gives some tips on getting out.

- MoviePass is an option to save money on movies. Is it worth the price?

- Money saving fashion tips from the unfashionable show host.

- Why you should avoid commodities, but some magazines litter their pages with reasons to buy them.

- Neil asks the best way to invest with few funds to start with.

- The Notorious MMA.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://80yearoldmillennial.pru/version/1520695135847/static/pdf/The-80-YEAR-OLD-Millennial.pdf

Mar 30, 2018
390: Why Mike Will Never Be Rich
39:45

- Mike thinks a $500 a month car payment at age 24 is the way to go. Scott agrees it is if you never want to build wealth.

- Karen is in a job she hates and is looking for something that doesn't involve employers.

- Pari is 53 and has multiple medical bills she is struggling to pay. She asks about a loan consolidation to pay down the debts.

- Renee (Houston, TX) is 31, in a dead end job and would like to get her life back on track.

- Cloud asks about the Discover savings account to park her savings for a house down payment.

- Are you prepared for the cost of a funeral?

- Another round of fortune tellers getting it wrong (again).

- Spring time money saving tips.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Mar 28, 2018
389: How A Beach House Can Save Your Budget
39:45

- Cindy (Iowa) has a passion for cooking but is broke. Her husband has to walk 45 minutes to catch the bus to work because they can't afford a car right now. She asks how they can get ahead.

- Stephanie (West Australia) is age 23 and makes $700 week. She wonders how to make more.

- Ranee is going to retire in 2 years with a pension and SSI and asks how to play for expenses.

- Amanda is struggling with being jealous of the things other people buy but she can't.

- The fiduciary rule is dead. What you need to do now.

- Joe shares a story about getting his wife on board with a budget.

- To Roth 401k or not to Roth 401k

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Mar 26, 2018
388: How To Plan For Getting Laid Off
39:45

- A listener's wife is a school teacher and will not have her contract renewed for the next school year. Scott details how to plan for when you know your income is about to get slashed.

- PT (Richmond, CA) just purchased a condo and is planning for a rental property in a few years. He asks about how best to save up.

- Pam asks about a Pershing Roth IRA.

- More grocery store shenanigans causing you to overpay.

- Socks. What else can you produce for $2 and charge $80 for.

- Sandra asks how to find the perfect fit for a new business.

- The story of one person who got through college with no debt.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Mar 23, 2018
387: New Travel Hacks To Save You Money
39:45

- Scott & Katie go to the travel show and come back with loads of travel tips. New travel hacks to save you money on tours and more!

- M1 Finance review.

- Susan is concerned about giving over her personal info when signing up for an investing account online.

- Greg has an IRA with $8,600 and asks about converting it to a Roth to pay the taxes now.

- The jacket that doubles as carry-on baggage, but without the checked bag fee.

- George has a comment on avoiding the 10% penalty on early IRA withdrawals.

- The story of one person who got through college with no debt.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://toursbylocals.com

http://www.stuffa.us/

https://www.tripbeat.com

https://www.m1finance.com

 

Mar 21, 2018
386: Dave and His Wife Need Tips for Successful Budgeting
39:45

- Dave (Ontario, Canada) is getting his wife on board with a budget and has some questions about making it work. Katie and Scott break down what it takes to make budgeting as a couple work.

- Ric (San Antonio, TX) asks about my favorite sources for big brain reading.

- Laria just read The Four Pillars of Investing and has a couple questions about things that alarmed her.

- What advice do a bunch of fat cats sitting around talking about money have?

- George has a tip on beating IRA early withdrawal penalties.

- Scott attends an M1 Finance webinar and gives his opinion on the service.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://novelinvestor.com/asset-class-returns/

Mar 19, 2018
385: What Are The Steps To Financial Independence?
39:45

- Food hacks that save time and money and are good for you!

- Another tale of the importance of planning and wills - this time from a hamburger restaurant owner.

- A 401(k) hack to sock away even more money for your financial independence.

- Katie is getting her real estate license, find out why.

- Lane wants to know the best way to get started towards financial independence.

- Deborah has an old computer and asks for budget friendly tips to keep from having to upgrade your hardware every two years.

- Diva asks how to have her money multiplied in a week or month.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Mar 16, 2018
384: Are You Living The Life You Can Afford?
39:45

- Where does your paycheck go and how long does it last? See how your spending compares to others.

- Choosing a lifestyle is important, and simple. It all comes down to choosing what you can afford. The big question is what can you afford?

- Katie shares how you can use Task Rabbit to find help - and make a little extra money on the side.

- Bernetta asks how do you cut the costs on debt and get it paid off without it being so over whelming.

- Another pump and dump scam with penny stocks has been busted.

- Surprise 3-day weekend trips from Pack Up + Go.

- Dan (Australia) is age 61 and just lost his job. He has little retirement savings and asks for some guidance.

- Have you heard of surprise vacations?

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.packupgo.com/

https://www.creditloan.com/blog/paycheck-purchases/

Mar 14, 2018
383: How To Pay Zero Taxes On Your Investments
39:45

- Scott just sold off part of his portfolio for other opportunities and paid next to nothing in taxes. Seeking financial independence? Then you'll want to know about this tax avoidance tip.

- A couple of mid-30-year olds have built up a net worth of $2.2M in just over 15 years. Learn their not-so-secrets.

- Lily (NYC) is 42 and $20,000 in consumer debt, living paycheck-to-paycheck and trying to raise a child. She asks if she should cash out her 401(k), file bankruptcy, or seek other options.

- Use Task Rabbit to save you time for your small handyperson jobs.

- Micky is 27 and asks how best to divide up his money between his employer retirement plans and his IRA.

- Lorraine has a fantastic resource if you're into shed building.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://grow.acorns.com/3-millionaire-couples-who-started-from-the-bottom

Mar 12, 2018
382: When Should You Setup a Roth IRA?
39:45

- A majority of people would like to make more money but don't know where to start. Scott gives you the starting point.

- Cats that travel and the people who hate them.

- Tyler asks about when Roth IRAs need to be setup prior to making contributions.

- Wil has a Thrift Savings Plan and will begin getting RMDs in a couple years. He asks about the pros/cons of moving his money elsewhere.

- Adam has a pension with some options to select funds from a broker and asks how that might work out.

- George is a 60-year-old disabled vet and is barely getting by on disability income.

- Time hacks you can use when you're selling stuff.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Thrift Savings Plan (TSP) Info

 

 

Mar 09, 2018
381: If You Fail to Plan, Plan to Fail
39:45

- Scott lays out his plan for building the next generation of business owners.

- Nyota shares her thoughts on financial freedom and luck.

- Jeff (Tokyo) wonders about the best way to save for his young kinds retirement.

- Costco is rolling out grocery delivery.

- Andrea is approached about a virtual assistant job and asks if it's legit.

- Brennan is trying to put a little extra towards individual stock investing and asks how to do this and maintain his asset allocation.

- One-handed Shaquem Griffin did 20 bench presses at the NFL combine.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Mar 07, 2018
380: Tara Paid Off $200,000 In Student Loans!
39:45

- Tara (MA) is 37 and just paid her last student loan bill. Hear the incredible story about how she did it (and how you can too).

- Andy (College Station, TX) has multiple student loans and asks about the daily interest payments as they apply to the debt avalanche method.

- Mike is changing jobs and asks if its better to move his old retirement account into a traditional IRA or Roth IRA.

- Financial pied pipers get it right 40% of the time, here's why.

- Time for our U.S. listeners to check their employee withholding. You don't want a bad surprise for your 2019 taxes.

- Tejas says his life is very hard.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Updated IRS Withholding Calculator

Mar 05, 2018
379: The Billionaire Lunch Plan
39:45

- Who's ordering the caviar and King Louis IV whiskey for lunch? Not one billionaire.

- Jerry has two young kids and asks how best to invest for their future.

- Scott busts the myth on retiring at 30.

- Ant asks about the MLM Primerica.

- Jared inherits some HH savings bonds and asks about the taxation of redeeming them before maturity.

- Amazon Prime promos for when your order doesn't go right.

- What is the 40% rule?

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

National Geographic Expeditions

Mar 02, 2018
378: Should JT Look For A New Advisor?
39:45

- JT (Canada) and his wife are teachers and have been working towards a paid off home. They are trying to figure out how to guide their wealth building.

- Craig (North Dakota) put his Roth IRA funds in a bank and asks if it’s too late to put contributions in Vanguard.

- Katie shares a lunchtime salad hack.

- What are you doing with your extra paycheck money?

- Laura (Arizona) has three kids and her mother-in-law started 529 plans for each. She asks if she should contribute to the existing plans or start new ones.

- Eric is pitched on universal indexed life insurance and asks if its a good idea.

- Bob (New Jersey) has a comment on how to sleep well at night.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Feb 28, 2018
377: A Lesson on Diversification From Kylie Jenner
39:45

- Celebrity Tweets have been known to cause ripples in financial markets (including your 401(k)!). Hear about the latest one from Kylie Jenner.

- Nadira (Philadelphia, PA) asks if investing is the best way to make extra money.

- Have you considered a cash-out refi to make improvements on your home?

- Consumer Reports vs. the J.D. Power Associates Rankings for vehicle quality.

- Kylie Jenner sends a tweet and causes a $1.7B loss.

- Tony is 27 and wants to purchase a house in a couple years and asks where the money should be saved to get the best return at the lowest risk.

- Ivette is starting over after a job loss and asks about using Stash and how best to diversify.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Feb 26, 2018
376: Should Mike Sell His Truck Before He Deploys?
39:45

- Mike (San Antonio, TX) is deploying to Korea for a year and asks if he should sell his truck to get rid of the payment, knowing he'll need to buy a new one when he returns.

- There is a new IRS tax refund scam to be aware. Protect yourself and your elders!

- Curtis has $4,500 in vintage cash and isn't sure what he should do with it.

- Dan convinced his parents to get some professional advice for their retirement planning. Learn how you can make sure your parents have enough money for life.

- The blind bad figures out how to beat the market in a span of 10 seconds. You won't want to miss this!

- What is mailbox money and why should you get some?

- Eric was approached about purchasing indexed universal life and wonders if it's a good idea.

- Katie gets some advice on buying multi-family housing.

- Have you tried figuring out how your investments would look if you had bought them years ago?

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Backtest your investment choices: https://www.portfoliovisualizer.com/backtest-portfolio

IRS Tax Refund Scam - https://www.irs.gov/taxtopics/tc161

Feb 23, 2018
375: Can You Increase Your Net Worth With Collectibles?
39:45

- Is it possible to make money with collectables like gold/silver, antiques, or paintings?

- Anthony asks about transferring an IRA.

- Gandolf is deciding where to keep his investment money.

- Crystal has a question on not getting ripped off with work from home businesses.

- If you're 50+ or your parents are looking to do something in retirement Scott has a resource for you to check out.

- Travel hack for saving money on your next car rental.

- Money saving hack for all the moms when it comes to school pictures.

- Do you know what your spending triggers are? @debtkickinmom on Instagram has some tips for you.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Feb 21, 2018
374: Monster Negotiators From Michigan
39:45

- Dolores (Michigan) shares a story about how a $108 car inspection saved her from buying a $5,000 lemon. Follow her tips for your next car purchase to keep from buying a dud.

- Kelly asks if mortgage accelerator programs worth $3,500 to cut years off your mortgage?

- Diea and his wife have credit scores in the 500s because of outstanding debts in collections. He asks if it's better to setup payment plans or do a lump sum payoff.

- Bologna magazine has their top picks you should ignore for 2018.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.wikihow.com/Follow-the-Mortgage-Accelerator-Plus-Program

Feb 19, 2018
373: Edward Scissorhands
39:45

The magic penny is being used to rope people into multi level marketing. How the magic penny works its magic - for others.

- Edward Scissorhands wants to manage your money. Their illustrations only give you half the info you need so buyer beware!

- The new tax code takes away a deduction many people were counting on. How will it impact your taxes?

- Are you so broke you're eating bagged cereal?

- Tony is in Chapter 13 bankruptcy and is struggling to make the payments.

- Julie is age 53 and needs some assistance from an advisor to see if she is on track.

- Nikki (TN) asks what type of investing options are available for small business owners.

- How are real estate infomercials using returns to sound more impressive than the returns really are?

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Feb 16, 2018
372: Stock Up On Canned Goods and Run To The Hills!
39:45

- Tyler earns thousands of dollars a month with Amazon FBA. Is retail arbitrage something you could do to make more money on the side?

- Lynn's boyfriend pays $5,000/year for prescription drugs and they have been charging it to a credit card. She asks if there are an assistance programs to help.

- What Prince can teach us about the importance of a will.

- Rita's husband just lost his job and is finding the ones in the salary range he desires require a degree that he doesn't have.

- Has the market really fallen that far?

- Amanda (Florida) asks if it's better to have one IRA or multiple IRAs.

- Brian has a paid off condo is almost debt free!

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.medicareinteractive.org/pdf/SPAP-Chart.pdf

https://www.medicare.gov/part-d/costs/coverage-gap/ways-to-lower-drug-costs.html

https://store.nolo.com/products/quicken-willmaker-plus-wqp.html

 

Feb 14, 2018
371: Best (Worst) of SAT: How To Teach Kids About Money
35:31

The crew has come down with the black death (flu). But we got the intern to sift through the archives to pick an episode that was slightly above average.

Here is the original show description:

- Make a spending plan like a pro.

- Derek (Nashville, TN) has a question on the future value of money.

- Aaron asks how to teach kids about money.

- Hameed (Baton Rouge, LA) asks what should I do?

- Roger (Cranston, RI) asks if he is on the right track.

- Dustin (Llano, TX) is looking to be debt free by 35 and has a question on goal setting.

- What did Picasso have to say?

http://scottalanturner.com/show142

Links mentioned on the show:

Latte Factor Calculator = http://scottalanturner.com/tools/latte-factor-calculator/
Investing Calculator = http://scottalanturner.com/tools/investing-calculator/

Links mentioned on the show:

This show originally aired September 21, 2016

Feb 12, 2018
370: What's The Best and Cheapest Way To Do an IRA?
39:45

- Chad asks about setting up a Roth/Traditional IRA to avoid getting fee'd to death.

- The good times caused one person to lose $4M of his own AND his friends and family's money.

- Julia is looking to become an author and wants to know how to get started.

- How is bitcoin doing for you? One person is counting on it for their pension.

- Adrian is 16 and would like to start investing but he's a minor.

- Jesse is about to have $85,000 in student loans paid off and asks about getting started investing.

- Last minute Valentine's day tips.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Vanguard UGMA accounts

Feb 09, 2018
369: Jess Asks Should You Invest Your Emergency Fund?
39:45

On today's show: Jess (New York) is getting ready to close on her first rental property and asks about investing some of her emergency fund in stocks.

- Jason would like tips on where to buy life and disability insurance.

- Quicken Basic for budgeting won't cut it for your reporting needs.

- JT is 24 and wants to build his credit history to get a home. He asks if paying rent to his parents without a lease will hurt his chances.

- Travel hacks to get discounted flying upgrades.

- Jennie owes the government $37,000 because her ex husband wasn't paying taxes, and she asks what she can do.

- How's that bitcoin investment treating you?

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Check out this SNL skit

https://www.washingtonpost.com/business/economy/bitcoin-is-my-potential-pension-what-is-driving-people-in-kentucky-to-join-the-craze/2018/02/03/aaaea3be-05dc-11e8-b48c-b07fea957bd5_story.html?utm_term=.8952bd866700

Feb 07, 2018
368: Rachel Paid Off $70,000 And Is Debt Free
39:45

On today's show: Hear how Rachel paid off $70,000 in student loans, car loans, hospital bills, and credit cards.

- Jak (U.K.) has 4,700 in credit card debt and asks about balance transfers as an option to pay more towards principal.

- Gina is 60 years old and finds herself unemployed and asks for help on what to do.

- Bob (New Jersey) wants to know about the comparison between one big mutual fund vs. several smaller mutual funds that make up the same thing.

- February is clean your chompers month. Here is where to get dental discounts for your kids.

- You can know hear the Millionaire Money Minute every day on Alexa.

- Money Woman Abby shares the power of habit.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Amazon Alexa Daily

Bogle Heads Forum

Chart of asset class returns

https://www.adafoundation.org/~/media/ADA_Foundation/GKAS/Files/2018%20GKAS%20Product%20Recipient%20FINAL.pdf?la=en

Feb 05, 2018
367: Roth IRAs for 20 Year Olds
39:45

On today's show: The many lessons that can learned from a simple trip to the grocery store. Get your money bags open for all the tips!

- Carlos came up short in his bank account and got whacked with an overdraft fee. How can he recover the money?

- Are you saving or spending during these boom times?

- Raiin (San Antonio, TX) has relatives that are bad with money and wonders how he can help them.

- The Stupendous Yapi makes an appearance and another bold prediction.

- Jazzmine wants to know if you need qualifications to invest.

- Lilly (Pikeville, KY) is going through a divorce, unemployed, and is trying to figure out how to supplement her income.

- Matthew asks about starting a Roth IRA while he's only 20 years old.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.mypetchicken.com/

Feb 02, 2018
366: How To Escape To A Better Neighborhood
39:45

On today's show: Payday lenders are getting a pass thanks to the dismantling of the Consumer Finance Protection Bureau. Your retirement plan will be dismantled next.

- Alan (Baraboo, WI) is trying to decide who to name as beneficiaries on his life insurance and pension.

- Gabriel is in her 30's and needs help understanding how to balance spending with unexpected events.

- Dan is 16 and trying to use his money effectively.

- Tiarra (Detroit, MI) hates where she lives and wants a better life for her husband and their four kids.

- Beam is a new savings account with a whopping 5% interest rate. Scott investigates if it's for reals.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Forbes IRAs and Trusts

Seven misconceptions about car loans

 

Jan 31, 2018
365: Should Voq File For Bankruptcy?
39:45

On today's show: Voq is in her mid 30's and her $25,000 in credit card debt has her lost and caused her to give up hope.

- Jeff (Singer, WI) is paying his financial advisor on commissions and is wondering how much it's costing him.

- Have you been pwned?

- Jessie (Rhode Island) is unsure of what to do after college.

- Brianna asks about dollar cost averaging and figuring out what an investment would really look like over time.

- Jason is 32 and has an old 401(k) but his new employer doesn't have a 401(k). He asks what he should do for investing.

- Social stocks might make you feel good, but you end up with less money.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

S&P 500 Reinvestment calculator

https://haveibeenpwned.com/

Jan 29, 2018
364: Ash Won $120,000 Playing The Lottery
39:45

On today's show: Ash won $120,000 playing the lottery. The new money has caused a retirement saving issue he needs help solving.

- Beware of this money behavior that strikes this time of year and can hurt your finances.

- Blake is a junior in college and has enough money in a Roth IRA to pay off his student loans. He asks if this is a good idea.

- Mellisa (Takoma, WA) is 24 and shares some details on how she and her husband have banked nearly $250,000 for retirement already.

- Money Woman Abby on coffee vs. debt.

- BitCoin in your IRA?

- Karen has a 61 year old mom she's trying to help get started investing, because it's never too late.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

The Moneyac Workout Playlist on Spotify: https://open.spotify.com/user/scottalanturner/playlist/7o5Wr0ku6PuJbQJY49QpPu

Jan 26, 2018
363: Five Finger FI Tips From The MTS
39:45

On today's show: Financial tips to build your wealth are everywhere if you're open and looking. Scott shares a few golden nuggets found at a recent weekend activity.

- Eric (York, Pennsylvania) and his wife want to prepare to leave the workforce early but they have all their money tied up in pensions and retirement funds that come with an early withdrawal penalty.

- Tilly and her husband have just crossed the $1M mark and are only in their 30s! She asks what should come next.

- Kim is having to support both her parents and sister and it's eating into her savings.

- Leah (Canada) has one credit card giving her trouble getting paid off and asks for help.

- LuLaRoe is under fire for their sales practices and fighting being labeled a pyramid scheme. Over 100,000 people have paid $5,000 or more to start their own business. What you need to know.

- The greatest exercise you can do today for your finances.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Jan 24, 2018
362: How To Celebrate Yap-entine's Day
39:45

On today's show: Creative and budget friendly ideas for things to do on a date night, with your kids, or friends. Valentine's day doesn't mean you have to break the bank.

- Sebastian is a high school senior, bored with school, and not sure what he wants to do.

- Hammer Time has a money saving tip for tax prep.

- Deanna the Dog Walker has a 2018 update.

- Susan is 62 and owes some debts to the Bank of Evil but can't pay them. They aren't willing to help her and she asks what she should do.

- Janus (anonymous) is a teacher with $178,000 in combined debt, no retirement savings, and asks for guidance in her situation because the debt has affected her health.

- A unique way to potentially make money with seat options (no, not those options trading thingys).

- Onimole (Ashland, OH) has a seriously ill father and asks how he can afford $17,000 a year for college.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Excel 1040

Seat options

Jan 22, 2018
361: Which Debts Should Ann Focus On First?
39:45

On today's show: There are two types of insurance that can make or break a financial plan, and very few people have them. Are you covered?

- Ann is about to be debt free and asks for some final advice on tackling her remaining debts.

- GIselle (Miami, FL) is juggling a lot of debts and Chapter 13 bankruptcy and needs some guidance on what to do.

- Anonymous has a company matched 401(k) to 6% and wonders why they keep bothering him to increase the contribution to 10%.

- Justin asks why people who draw Social security and Supplemental Security Income struggle.

- Monica (Ypsilanti, MI) is in a small town where jobs are hard to come by and is trying to get ahead.

- Max asks if Scott has found favor with the man-bun crowd.

- We tried Blue Apron, here's what happened.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Jan 19, 2018
360: Ric Is Researching Paying Off His House Early
39:45

On today's show: Ric (San Antonio, TX) has heard both sides of the argument of paying off your house early or investing, and wonders which is best.

- DJ (Cali) asks about the taxation of crypto currency.

- MoneyWoman Abby shares the true cost of fast food.

- Ty (Colorado) just graduated college and is almost debt free. He asks how to get start his adult life with a strong financial outlook.

- Please ignore the following terrible advice from certain mortgage lenders.

- Rob's wife has recovered from breast cancer but the treatment wiped them out. He has two daughters in college and asks for advice on how to recover financially.

- Grove is a new service for discount financial plans. Is it right for you?

- Simple things can improve your business dramatically.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow1.com

Grove

Jan 17, 2018
359: Can Icheb Back Out Of An Insurance Contract He Just Signed?
39:45

On today's show: Icheb gets asked by a friend to attend an retirement planning meeting and gets pitched on a whole life policy. What does he need to know before making a decision?

- Melissa (Takoma, WA) and her husband are 24, and working on their plan for FIRE. She asks for some tips on where to allocate their resources to hit their 8-10 year plan.

- DJ asks how to put money away for his daughter that can't be touched and she can't blow.

- Nicole purchased a parka from Iceland and now it's falling apart. Customer no-service is no help, so she asks how to get a refund/replacement for her purchase.

- Employees at discount brokers are doing not-so-discounty things.

- The Swedish chef pays off $42,000 in debt.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Kiss Trust

 

Jan 15, 2018
358: Stardate 47634.44 The Trouble with Tribbles
39:45

On today's show: A look back at the bold psychic predictions of the past few years of the financial pied pipers. Their advice COST customers an average of $60,315.91. Be warned.

- Chad points out a no minimum fund from Schwab to roll a 401(k) into.

- Sharon saves $285 on a medical bill just by asking.

- Luke wants to verify that simple index investing is superior to 'good growth stock mutual funds pushed by the financial pied pipers.

- The great 2015 robo experiment has come to an end.

- Alexander has $40,000 in student loan debt, collectors calling him, and wants to free himself from overwhelming debt.

- Who Thought Cat Cafes Were a Good Idea?

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Schwab Total Stock Market Index Fund

Active vs. Passive investing research studies:

https://advisors.vanguard.com/iwe/pdf/ISGIDX.pdf?cbdForceDomain=true
https://us.spindices.com/documents/spiva/spiva-us-year-end-2014.pdf
http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.479.3099&rep=rep1&type=pdf

https://www.wsj.com/articles/todays-catty-question-who-thought-cat-cafes-were-a-good-idea-1515513369

 

Jan 12, 2018
357: What Goal Should J. Focus On First?
39:45

On today's show: Jar Jar Binks (anonymous, parts uknown) is 25, earns $33,000/year and is trying to figure out how best to divide up his income.

- Dave (Bismarck, ND) parents must take required minimum distributions (RMDs) but don't need the money. He asks what their options are.

- 2018 is going to bring a wave of impressive investing returns you need to be aware of.

- Tara is trying to demolish her debts while still having a life and get out of living paycheck-to-paycheck.

- The word of the year that can make all the difference in your life.

- Scott ends his Betterment experiment. Hear why.

- Kevin is a high-school senior and shares what he's learned about money so far.

- Moneyacs share their 2018 big goals.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Jan 10, 2018
356: How To Get Started In Real Estate
39:45

On today's show: Have you heard of job insurance? It's time to seriously think about getting some to protect your greatest asset.

- Tax savings tip if you have young kids in private school.

- The Magnificent Yappi has another bold prediction come true. Send him your money!

- Jennifer wants a book recommendation about getting started in real estate.

- Tabasum has $8,400 in debt and can barely make the minimum payments to get out of debt.

- Nicole (Atlanta, GA) had her employer switch 401(k) providers and she asks for guidance on what to pick.

- Lottery winners are sharing their tips on how to win the next jackpot. Better listen to them!

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

http://www.lifehappens.org/

 

Jan 08, 2018
355: Charity Is Scared Of Forever Living Paycheck To Paycheck
39:45

On today's show: Charity is 48 and has $90,000 in student loan debt while making $15 an hour. She is desperate for some help to get out of debt and stop living paycheck to paycheck.

- Daryl's daughter is 22 and has $500 in an old 401(k). He asks what's the best thing to do with the account.

- Chad asks about the new Grove service for financial advice.

- How an animal hospital is beating the competition and what you can learn for your own small business.

- From waiting tables to growing dog treats, Jasmine Galligan turned her passion into a thriving business.

- Piyush is a student and wants to get started with investing. He asks about the safety of robo advisors for students.

- How to build lasting change in your life.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://usegrove.com/

http://wet-noses.com/

 

Jan 05, 2018
354: Ric Asks How To Budget For Unexpected Expenses
39:45

On today's show: Ric is looking for the best budgeting tool and how to plan for unexpected expenses.

- Shirley (Galveston, TX) asks if there are additional benefits available beyond Social Security and disability benefits.

- Gandolf (New York) gets dividends from a brokerage account and asks what he can do with them.

- Scott (Parts Unknown) wants to know if it's better to contribute to a 457 or 401(k) if you're considering early retirement.

- Bateaux and his wife paid off $100,000 and is debt free!

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Work part time and get free lodging around the world - http://wwoof.net/

Track your debt payoff for free - https://undebt.it/

Benefits.gov - https://www.benefits.gov

Jan 03, 2018
353: When Should You Drop Collision Insurance?
39:45

On today's show: Kevin chimes in on the new tax reforms and says Scott would be a good messenger for the white house.

- Dr J. asks at what point should you not get comprehensive and collision insurance on a car?

- Neimole (Papua New Guinea) asks about the difference between interest bearing accounts and buying shares.

- Hammer Time calls Scott out for buying cryptocurrency after advising against it.

- Use Credit Karma's tool to track down your unclaimed cash.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.creditkarma.com/unclaimed-money

Jan 01, 2018
352: Best (Worst) of SAT: Tracy Needs Extra Income Because Her Husband Is Unpredictable
32:07

We're off on holiday this week. But we got the intern to sift through the archives to pick some episodes that were slightly above average.

Here is the original show description:

Topics: Topics: How do you decide if something is a good purchase?

- How to save money on a brand new car by custom ordering it.

- Jared (St. Louis, MO) asks about getting engaged.

- Tracy needs extra income because her husband is unpredictable.

- Justin (Chippewa falls, WI) has some blow money he wants to use for higher risk investments.

- Guinan (El-Auria) has a friend who can't break the broke feeling.

- One thing money can't buy.

http://scottalanturner.com/show104

Links mentioned on the show:

This show originally aired June 24, 2016

Dec 29, 2017
351: Best (Worst) of SAT: Justin Considers Where To Put Emergency Funds
30:18

We're off on holiday this week. But we got the intern to sift through the archives to pick some episodes that were slightly above average.

Here is the original show description:

Topics: 8 Travel Hacks for Any Budget.

- Is Groupon safe?

- Warning on investment roll overs.

- C. (Honolulu, HA) asks how to save taxes on a home sale.

- Justin (Chippewa Falls, WI) asks about putting emergency savings in a money market fund.

- Jeff (Tokyo, Japan) asks what is the best asset allocation.

- Teena (Oklahoma City, OK) has waning motivation after a medical situation.

- The invisible energy of dollar flow.

http://scottalanturner.com/show086

Links mentioned on the show:

FeeX

Save Money Traveling Like A Boss

This show originally aired May 12, 2016

Dec 27, 2017
350: The Year In Review And A Look Ahead
10:53

I checked my wall calendar. It does label December 25th as Christmas. Just a quick note of thanks from the team because I have no idea why you would want to listen to me today.

Dec 25, 2017
349: Grace Is Having A Hard Time Saving Money
39:45

On today's show: Scott explores more not-so-secrets of millionaires to build wealthy habits to get you to your own $1 million net worth.

- The myths of fake math and inflated returns.

- Chioma has $120k in student loans and is trying to buy a condo to reduce her rent expenses but can't qualify for a loan.

- Jeremy (Tennessee) asks about his options in his 401(k) plan and deciding on what's best.

- Grace and her husband are stuck in the paycheck-to-paycheck cycle and looking to get out.

- Mary asks about the Mint budgeting app.

- How to track down your lost cash.

- Walter has a paid off car!

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.creditkarma.com/unclaimed-money

Dec 22, 2017
348: How Should Chris Setup His 401(k)?
39:45

On today's show: Last, last minute gift shopping ideas both for the holidays and for future gift giving events.

- Shelley has a SEP IRA at work and is trying to decide between a Roth or Traditional IRA contribution.

- Chris is 25 and just starting work. He asks about how to set up his 401(k).

- Are you saving if you're part of the gig economy?

- Jemima has credit card debt and student loans but is also trying to pay for her daughter's tuition.

- Today's money hack is the importance of shopping around for a good contractor.

- Jasmine (United Kingdom) has $3,000 to invest but knows nothing about how to get started and asks if she needs an advisor.

- Laura asks if it's better to save Roth money in a regular investment account and then transfer it to a Roth account.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Dec 20, 2017
347: Should Steve Buy Bitcoin?
39:45

On today's show: The latest on the cryptocurrency mania. Should you get in? Is it a bubble? An investment? A fast track to riches? Scott separates fact from fiction.

- Allyssya is going through a trial separation and trying to figure out how to get out of debt on her income.

- Sara (Plano, TX) is scared she will run out of money now that her grace period has ended for her student loans.

- Hailee is starting college early while she's in high school and worries about figuring out how to pay for her degree.

- Yudit (Canada) is struggling to live off an $800/month pension and support herself.

- Walter has a paid off car.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Personal finance scholarship - https://scottalanturner.com/personal-finance-scholarship/

 

Dec 18, 2017
346: Last Minute Spending And Saving Tips
39:45

On today's show: Stasha (North Conway, NH) is trying to avoid breaking the budget and going into debt this holiday season.

- Shelby asks how to save up for the big things she wants.

- Troi's husband owns a business with his brother and are trying to figure out an exit strategy for retirement.

- Manny asks how did you go about determining your ratio of retirement savings versus traditional brokerage accounts or savings if you want to retire early?

- Katie (El Paso, TX) and her husband just moved across country and drained their savings. They are trying to figure out how to get ahead.

- Robert finds some sweet deals on sporting equipment on eBay.

- Win a $25 Starbucks Gift Card.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Sell your gift cards for cash:

https://scottalanturner.com/best-places-sell-your-gift-cards/

Dec 15, 2017
345: Seeds of Inspiration
39:45

On today's show: Life changing events can come from anywhere. What do you need to look out for to make sure you don't miss out on opportunity.

- Lisa has $182,000 invested with a robo-advisor and asks if it's better to move the money to a discount broker.

- Steve has a money saving tip on where to go to college for free.

- Zayd has $54,000 in debt and is trying to figure out how to save, pay off debt, and go back to school at the same time.

- Tiffany (Omaha, NE) is a single mom and trying to figure out what percent of money to invest in stocks.

- A new way to maximize your savings account interest rates.

- Kid friendly tablets for gifts.

- Jennifer has a warning for people with Health Savings Accounts.

- Another year end tax saving tip.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Legendary Trees

Intelligent Cash Management

 

Dec 13, 2017
344: Kibble Burger 2018 Psychic Predictions
39:45

On today's show: How college students can optimize their schedule and prepare for the workforce at the same time.

- Katie has a money saving travel tip for parents of small kids.

- Cameron is 17 and is concerned about how to pay for college.

- Charlotte is deciding on when to start collecting social security.

- Joshua (Mahomet, IL) wants to start a drone business but needs money to get it going.

- How much downpayment are people putting on homes?

- Kibble Burger's new guessing issue is out with loads of time wasters.

- Wells Fargo ripping more people off.

- Ric (San Antonio, TX) has a 21-year-old son and asks about buying a car for him.

- Aini is taking unpaid leave to figure out what to do in life and looks for some guidance.

- Are you dating yourself by carrying a wallet instead of a card case?

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Dec 11, 2017
343: Eccentric Millionaire Will Sell You His Secrets
39:45

On today's show: Slim Sham James is at it again. Young and old alike are going to be losing money over this Piece of Something (POS) you need to be aware of.

- Charlie asks where to get back episodes for his employees to listen to.

- More year end tax planning tips for 2017.

- Lisa used to be a virtual assistant but now wants to move into getting paid to speak and asks how she could do it.

- Tom and his wife have $160,000 in retirement savings and ask how to grow the money over the next 10-15 years until retirement.

- Gary (Colorado) has a money saving tip on buying meat.

- R.S. has a parenting question about shaping kids' lives.

- Quote of the day from @Pink

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.quora.com/Is-James-Altucher-program-a-scam

https://pennystockwhizzkid.com/altucher-cryptocurrencies/

 

Dec 08, 2017
342: What Are You Worth?
39:45

On today's show: The importance of tracking your net worth and what it can reveal about your life.

- Janet is ready to pay off her last debt and become debt free but has a question on dealing with a debt in collections.

- R.S. argues how a new car or truck may save you money over a used car.

- A quick update on the new tax bill.

- Carlos (Italy) is getting started investing but has limited choices based on his country of residence.

- JP (Atlanta, GA) is struggling to pay off debt.

- The December Challenge is here!

- Why you need a guide in your life.

- Another example of bad marketing.

- Scott eats grasshoppers.

- An entrepreneur with autism starts his own business.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.wsj.com/article_email/an-entrepreneur-with-autism-finds-his-own-path-1511752381-lMyQjAxMTI3NjI2NzIyMTcxWj/

 

Dec 06, 2017
341: Hot Tub Time Machine
39:45

On today's show: What a Turkey Trot and troublesome toddlers can teach you about personal finance.

- Dan argues a low interest rate loan for a car isn't a budget killer. Is he right?

- Yet another reason you need an emergency fund.

- Alex asks about dollar cost averaging and how frequent you should do it.

- Melodie (Lakewood, CO) and her fiance consolidated debts to find out they owe $40,000. She asks what she should do.

- Beth emails the Equifax CEO about the security breach and gets a quick response by avoiding customer no-service.

- Red alert warning - watch out for this eBay scam.

- Andy and his wife are debt free and paid off $195,000 in debt!

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Marriage Kids + Money show

Dec 04, 2017
340: Best (Worst) of SAT: How My Cat is Making $30,000 a Year
30:54

After two-years straight, we're finally taking a week off. But we got the babysitter to sift through the archives to pick a few episodes that were slightly above average.

Here is the original show description:

Topics: How my cat is making $30k a year.

- R (YouTube) ask about withdrawing money from a brokerage.

- Omid (Camarillo, CA) has an update on a Roth IRA conversion.

- Steve (Austin, TX) wants to know the steps for buying a business.

- J.P. (Oklahoma) wants to break out of the corporate world.

- Adam asks for advice on how to invest $100,000.

- Sandy paid off two credit cards.

Links mentioned on the show:

BizBuySell

This show originally aired August 11, 2016

Dec 01, 2017
339: Best (Worst) of SAT: Are You A Gambler Or An Investor?
31:51

After two-years straight, we're finally taking a week off. But we got the babysitter to sift through the archives to pick a few episodes that were slightly above average.

Here is the original show description:

Topics: Are you a gambler or an investor?

- Shane (Oil City, PA) is getting frustrated with life and finding a job.

- Is it a good idea to sell your car instead of trading it in?

- The Lone Duck wants advice on selling on eBay.

- Peter (Canada) works part time in finance and wants to change employers.

- Pawan asks about time limitations for investing in Roth IRAs.

- A win from Aubrey (Liberty, TX)

Links mentioned on the show:

What is the difference between investing and gambling

This episode originally aired July 3, 2016.

Nov 29, 2017
338: Best (Worst) of SAT: How To Catch Up On Your Retirement Savings
32:06

After two-years straight, we're finally taking a week off. But we got the babysitter to sift through the archives to pick a few episodes that were slightly above average.

Here is the original show description:

Topics: What is retirement and how do you know if you have saved enough?

- Amy (Sonoma, CA) has a loan on her cash value life insurance, should she change policies?

- How to save on sporting equipment and shoes

- Steve asks if he needs an advisor.

- Darinae makes minimum wage and has trouble saving

- Debbie celebrates making some financial moves to help her get out of debt.

- Risk vs. comfort.

Links mentioned in the show:

Witt Actuarial Services

Glenn Daily

James Hunt

National Child Support Enforcement Association

This episode originally aired April 12, 2016

Nov 27, 2017
337: Black Friday
23:03

On today's show: A special edition of the show unlike any we've ever done before. When you're out and about shopping this Black Friday, get your laugh on.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Nov 24, 2017
336: Giving Thanks
19:04

On today's show: It's a special edition of the show. On this Thanksgiving Scott and Katie share what they are thankful for this year.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

 

Nov 22, 2017
335: Nobel Proposal
39:45

On today's show: Smarty pants advice from the big brain trust that help us increase our wealth.

- Katy (Sacramento, CA) has $100,000 equity in her house but not enough to for a downpayment on a home in a nicer neighborhood. She asks what she should do.

- Try out FIRECalc to see how likely you are to run out of money.

- Mary and her husband have extra money to invest and ask where the next best place is to put it.

- Mac says you shouldn't invest in a 401(k). Is he right?

- Andy and his wife are debt free and paid off $195,000 in debt!

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Marriage Kids + Money show

Fire Calc

Nov 20, 2017
334: How To Curb Overspending
39:45

On today's show: What are some shopping hacks you can use to help with overspending? Scott reviews a list of creative hacks that was published by Acorns and digs into which one really would help (or not).

- Amanda (Dallas, TX) asks for the service used to protest property taxes to save you money on property taxes.

- Discover the key to saving money at the grocery store.

- Laura asks for advice about quitting a job.

- Lorena is a stay-at-home mom with little savings and wants to learn about investing in stocks.

- Pizza! Pizza! The label cops are winning at your expense.

- Jen paid off $2,000 in debt by working overtime and selling stuff.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

10 Creative Hacks to Curb Overspending

Property Tax Protest

Nov 17, 2017
333: Crazy Math: Pain vs. Pleasure
39:45

On today's show:

- Blinker is a new app to buy and sell cars (limited availability)

- Lena asks for an update on Scott's experience with Cricket wireless.

- Dwight shares a tip on where you can get 5% on your checking account.

- Omar is a general contractor with too much work and asks how to expand by finding good employees.

- Zulily is a great deal website for savings.

- Anonymous has a Discover card with a $6,000 balance and 23% interest and can only make minimum payments. They ask what to do about paying down the debt.

- Scam alert - another get-rich-quick scheme on the Internet.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Ultimate Checking Account

https://www.zulily.com

 

Nov 15, 2017
332: How Millionaires Spend Their Money
39:45

On today's show: Could you spot a millionaire in the grocery store? Probably not. Hear about what it takes to get to millionaire status and what those who have, spend their money on.

- A survey by T. Rowe Price shows parents raiding their kids college funds to pay for everything but college.

- Melissa is losing a second source of income and needs advice on paying off credit cards.

- Olga (Italy) is a scuba instructor barely getting by and asks for help on increasing her income.

- Are you letting security rob your ambition?

- Two facts about insurance everyone should now.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.influencive.com/real-life-millionaires-spend-money/

 

Nov 13, 2017
331: Give Me Taxes
39:45

On today's show: What could be coming up with the new tax law changes and how will it impact your future income?

- John (Apple Valley, CA) asks about the proposed changes to 401(k) contributions and what the average person is putting away for retirement.

- Have you heard Chipotle will pay for your college education?

- Seth has a question about the proposed $500,000 mortgage interest deduction being floated in the tax overhaul plan.

- Jedi Knight has a new job and asks if his saving goals are appropriate.

- Justin read Tony Robbin's book and asks about the All Weather Portfolio.

- JM asks if SoFi is a good deal.

- How one man makes a living buying and selling clearance items at Walmart.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.yahoo.com/gma/one-man-says-grosses-millions-reselling-clearance-items-145307272--abc-news-personal-finance.html

Nov 10, 2017
330: Weekend Wealth Warrior
39:45

On today's show: Scott rants on the lousy financial advice being given out on the weekend talk radio shows. What are people selling and what do you need to watch out for?

- Kirstie asks how to get enough money to pay cash for a $25,000 dump so she can fix it and flip it.

- Abby (New Zealand) and her husband earn $84,000/year and ask about the steps to save up for a house.

- Steve has just $20 to invest in Bitcoin and wants to invest more in digital currency.

- Now anyone can become a venture capitalist! Find out how.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Why you may want to contribute to your child's retirement

Nov 08, 2017
329: More Bad Financial Guru Advice
39:45

On today's show: The financial talking heads make a great living giving out controversial sound bites for the 6 o'clock news. Check out the latest round of advice and how it can harm your financial independence.

- Tim is newly married and works for a non profit. He asks about Public Student Loan Forgiveness (PSLF) to pay off his student loans.

- Greg asks Scott's opinion on Tony Robbins investment advice from Tony's book Money Master the Game.

- James (Boston, MA) earns too much for a Roth IRA and asks about putting some bonus money in a regular brokerage account instead.

- Another tale of someone creating a crypto currency fund to cash in.

- The story of Dave's Killer Bread and how the company giving a second chance to people with criminal records.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

www.daveskillerbread.com/elizabeth

New retirement rules

Nov 06, 2017
328: American Idol
39:45

On today's show: Do you have a fear of being in front of a large audience? How about performing solo in front of 1,000 people? Scott shares the stage with a finalist from American Idol. Hear the story of how it all happened and breaking through limiting beliefs.

- Andrew (Wisconsin) has doubled his money in the crypto currency market and asks for advice on taking the money to pay off student loans or his car.

- Kevin has an insurance settlement for his kids and asks about what to do with the money.

- Michael owes a lot of back taxes and his accountant suggests he get rid of his car. Nobody will buy it and he wonders what to do.

- Dave's Killer Bread, making a difference in people's lives.

- Patricia turns sour dough bread into a big side hustle using Udemy.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Dalton Rapattoni

http://www.daveskillerbread.com/elizabeth

https://about.udemy.com/instructors/a-life-transformed-through-learning-and-teaching/

Nov 03, 2017
327: The Floor
39:45

On today's show: Yes, you really can do anything you set your mind to. Scott proves it in his own life by sharing the story of creating a parody of The Office.

Watch it now: https://youtu.be/MU8n9zrXK2c

- Scott rants about trial lawyers and the Anthem data breach that's paying out a measly $36 to people who had their personal information stolen.

- Brendon (Milford, CT) is underwater on a condo purchased in 2005 and is trying to figure out what to do with the property.

- What not to wear to a job fair.

- Elisa (Morristown NJ) asks about the pros and cons of having her mom superfund a 529 plan for Elisa's kid.

- A simple example of diversification to help you understand why it's important.

- An update on Melissa Thomas and how she funds her dream of seeing Elton John.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

www.MelissaTheCoach.com

Fannie Mae Know Your Options

Nov 01, 2017
326: Appetite for Destruction
39:45

On today's show: What is your risk appetite? Are you betting with house money that caused so many people to see their 401(k) turn into a 201(k) ten years ago?

- Kristi (Washington, D.C.) can't find a rental property that follows the 2% rule and asks Katie for some real estate advice.

- Charmaine (Cape Town, South Africa) is a tour guide interested in starting a side job to make extra money.

- Manuel (Orlando, FL) shares his story about getting out of debt and starting over.

- An interesting take on how to get kids to reduce college costs.

- Tom is retirement aged, in debt, and funding the education of a girlfriend in Africa. Something doesn't add up here.

- The 2018 IRS limits are going up on some things. Find out what they are and why it matters.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

Check your risk tolerance

Oct 30, 2017
325: Real Life Car Leasing
39:45

On today's show: Scott share's a Facebook conversation about leasing vs. buying a car. What did people have to say in favor and against leasing and were the statements accurate?

- Tristan (CA) provides a snapshot of his financial plan and goals and asks for feedback on it.

- Take the quiz - how financially literate are you?

- Jason is getting back on his feet after a divorce and is interested in where to save for his future.

- A. (Washington, D.C.) and his wife are in their early 30's and have a high net-worth. They wonder if they should pay more towards their house to get it paid down faster.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.wsj.com/article_email/how-financially-literate-are-you-really-lets-find-out-1508421702-lMyQjAxMTE3NjIzMDgyMDAyWj/

 

Oct 27, 2017
324: Risky Business
39:45

On today's show: Most people are more concerned with paying off debt, saving, and investing when there is something lurking in the shadows that could derail everything. Are you aware of the holes that could destroy your lifestyle?

- Jaime's 81-year-old mother just sold her home and moved into assisted living. The costs are $4,000 a month and Jamie asks what they should do with the money from the sale of the house.

- Brian is 32-years-old and wonders if now is the time to sit out of the market since it's been running high for so long.

- Sheila (Orlando, FL) doesn't have enough money to handle bills, two kids, and paying down past debts. She asks for help on sticking to a budget.

- Are good investors really that good or just lucky? Scott proves what some perceive as brilliance is just luck.

- Why mistakes are important and you should be happy for them.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

http://sharemoneyaz.com

 

Oct 25, 2017
323: Millionaires and Expecations
39:45

On today's show: The 2017 Fidelity Millionaire Outlook reveals some interesting information on how Generation X and Generation Y view their finances.

- Renee (AZ) is debt free except for her house and asks about where to put $900 extra each month she and her husband have in her spending plan.

- Jenn (Bay Area, CA) fully funded her Roth IRA at the start of the year and now she's over the income limit. She asks how to correct the situation.

- Are you in a job, a career, or a calling?

- Quote of the day from Thurston Moore, Sonic Youth

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

2017 Fidelity Millionaire Outlook

 

Oct 23, 2017
322: The $55 Cup of Coffee
39:45

On today's show: If you buy a $55 cup of coffee to impress people, are you all flash and no cash?

- Chris (Troy, AL)

- Amanda (Chalfont, PA) is 46 and asks if she is budgeting correctly.

- JJ (Austin, TX) has the option to participate in a ESOP and asks if he should or put money into other investments.

- Scott provides an update on getting an IRS pin to help secure your identity.

- What are the best cities for dog lovers?

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com and share on social, email, or by text.

Enjoy That Cup of Coffee! Your Total Comes to $55

https://www.rentreporters.com/
https://www.renttrack.com/
https://rentalkharma.com

Oct 20, 2017
321: Money A to Z - My New Book!
39:45

On today's show: I've written a book for children to help them learn about money! Find out how you can support the book.

- How your default behavior can help you build wealth.

- Tips for making this Thanksgiving with your family a pleasant one.

- The financial pied pipers are at it again trying to look brilliant with their cover-every-scenario advice.

- Katie gives an update on her rental home empire.

- The Bouqs service responds to Scott's bad flower experience. Find out how/if they made things right.

- Lucy is behind on her bills while working on her GED and applying for college.

- Rent the Runway now offers a subscription service for women to look nice while borrowing clothes.

- Dr. J is contributing 17% to his 457 plan and asks if it's better to stop contributing to pay off his consumer debt.

Links mentioned on the show:

Please support Money A to Z: https://scottalanturner.com/kickstarter

https://www.wsj.com/article_email/the-nobel-prize-for-clever-mind-games-goes-to-1507911227-kIyTDAtMU03QjFCNC0xNjQzWj/

Oct 18, 2017
320: Five Important Financial Lessons I Will Teach My Kids
39:45

On today's show: What financial lessons should kids learn that could change the course of their lives forever?

- Sherry (Canada) asks how to best prepare for the upcoming stock market crash.

- DJ starts using YNAB and finds some savings in his budget.

- Andrew is 21 years old and asks how credit cards can help someone.

- Adriyan is 21 and wants advice on where to begin investing and earning income.

- Joe (Farmington Hills, MI) has parents that are constantly leaning on him for money and needs help breaking their habits.

- Listen to my friend Chad Jeffers story about visiting wounded soldiers while he was touring with the USO.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

http://chadjeffers.com

Oct 16, 2017
319: Flower Power
39:45

On today's show: Scott's test of a new flower delivery service results in a big fail. Get the update.

- Bouqs flower service update.

- If you are a business owner you need to hear this money saving tip on receiving important legal documents.

- M. has a question on converting Roth 401(k)s to Roth IRAs in order to withdraw funds early for financial independence.

- Another Equifax reveal on driver's license exposure.

- First time homebuyers may be tempted to use their parent's equity to make a cash offer on a home. Scott explains the pitfalls of this approach.

- J.T. shares a tip for an additional way to protect your identity.

- Chad (Central Valley, CA) has a friend that was awarded a $500,000 settlement and is trying to figure out what to do with the money.

- Seth (Birmingham, AL) asks about a portfolio breakdown he's created in his retirement accounts.

Links mentioned on the show:

Please share the show by visiting http://ShareTheShow.com

https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin

https://www.wsj.com/article_email/millennialss-new-weapon-in-bidding-wars-a-parents-home-equity-1507645135-lMyQjAxMTA3MjEzMDExMDA4Wj/?mg=prod/accounts-wsj

Designated Roth accounts

Oct 13, 2017
318: Step 3 - Profit
39:45

On today's show: Doomsday preppers, Zombies, crossbows, turning water into wine - the greatest explanation ever of the Backdoor Roth IRA.

- James (Thailand) is recovering from a bankruptcy and has a low credit score. He asks how he can get a loan to move back to the U.S. and get a car.

- Mantracker (Montreal, Canada) needs some tips on finding another job since his will be going away soon.

- Doug (Ohio) has a traditional IRA and asks about the tax consequences when converting it to a Roth IRA.

- Rebecca (Chicago, IL) wants to know if her money is diversified.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

https://www.law.cornell.edu/cfr/text/26/1.402A-1

 

Oct 11, 2017
317: Dumb and Dumberer
39:45

On today's show: The fight is on to protect and destroy payday lending. Hear the stories of the players, the customers, and how it will touch all of our lives.

- Manuel (Orlando, FL) is currently in a low tax bracket and asks if tax loss harvesting would be beneficial or not to investing?

- A resource so you never forget flower delivery again!

- Andrew (parts unknown) is thinking about going to college and asks what if he chooses the wrong school or he finds out college isn't for him?

- Lonestar (Wyndham, ME) and his wife are both 45. They have a $175k mortgage and ask about using retirement and emergency funds to pay off or down the mortgage.

- Lulu has a brother in jail. She has power of attorney and control over his $95k 401(k) and asks how best to handle the money until he is released.

- Matheus has an invention but isn't sure on how to go about finding the right pricing since it's a new market.

- How just showing up can get you through a difficult time.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Flower subscription service

Oct 09, 2017
316: 733 Wedding Saving Plans
39:45

On today's show: John (Apple Valley, CA) has three young daughters and asks about the different college savings options between UTMA accounts and 529 plans.

- Walt (Denver, CO) is part of Gen-X and asks what is the fastest way to turn around a financial situation to achieve your goals quicker.

- The October challenge is here! How would you like to save $640 a year?

- Cathy (San Diego, CA) is in her 50's and owns multiple rental properties. She asks for feedback on her financial plan and paying off the homes.

- Amazon is hiring RVers for the holiday season. A great opportunity to earn some extra money!

- Gandalf shares his story of going from bankruptcy to a credit score of 700 in one year.


Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

http://www.amazondelivers.jobs/about/camperforce/

 

Oct 06, 2017
315: Will You Survive The Coming Crash?
39:45

On today's show: - Will you be ready when the stock market crashes again? Discover the steps to take advantage of the next dip in the economy no matter where you are in your financial journey.

- Laria (Melbourne, Australia) asks about the academic research behind factor based investing and weighting certain sectors more heavily than others.

- Dave (Florida) asks for some insight into tax loss harvesting and if it's beneficial or not.

- Viviana (Evansville, IN) wants a job with freedom to travel abroad to visit her family.

- How to save big money on your next pet adoption.

- Financial advice from the players with the easiest job on the NFL.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

http://www.espn.com/blog/detroit-lions/post/_/id/30970/meet-the-lions-punter-trying-to-keep-his-nfl-colleagues-from-going-broke

 

Oct 04, 2017
314: Straight Outta Compton
39:45

On today's show: - A listener from (Compton, CA) has an auto lease that is about to end and wonders if he should purchase or trade in the vehicle.

- Overcoming comparing yourself to others so you can be happy with where you are and with what you have.

- Alvaro is going through a divorce and had to declare bankruptcy. He asks about the steps to become financially independent.

- Kara is newly single and has a house she can barely afford. She asks for advice on paying the bills.

- 401(k) specialists that have a sense of humor.

- Watch out for these car sales tricks that cost you money.

- The Canadian Money Masters have paid off $15,000 of debt in the past year on their way towards debt freedom!

- Quote of the day from Steven Tyler.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Oct 02, 2017
313: Why-FI?
39:45

On today's show: How do people define financial independence (FI) and what are they really after?

- Ric (San Antonio, TX) is deciding between which mutual funds to select to balance out his retirement investments.

- Save money by eating breakfast for dinner.

- Wil had an overcharge at a hotel and asks how to best get it resolved.

- Scam alert - grandparents are being targeted to send money to get their grandkids out of jail!

- Utility bill savings that can add thousands to your wealth.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Sep 29, 2017
312: Choo Choo Choosing the Right 529 Plan
39:45

On today's show: What are the top rated 529 college savings plans and what are the best ways to pay for college?

- Ashley (Sterling Heights, MI) is heading to graduate school and asks about her investing options from her employer's 401(k) to getting into real estate.

- Lando (NYC) is looking to diversify and asks about a real estate investing service.

- Is it better to file your taxes jointly or separately if you're married?

- How do you know if you should cancel your whole life insurance policy? Kiplinger's Retirement Report confirms Scott's advice.

- Scott adds a warning about intrafamily loans when buying a house from a parent.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Tax filing jointly vs. married filing jointly

 

Sep 27, 2017
311: Recipe for Retirement Disaster
39:45

On today's show: The majority of people are prioritizing spending over saving for retirement. What does this situation mean to you or the people you know approaching retirement, and what can you do to make sure you have an awesome retirement?

- Priscilla is 30, self-employed, and has questions on which investing accounts to pick.

- Amazon Prime now includes free music (ok, this is old but have you tried it out?)

- Ashley (Sterling Heights, MI) is heading to graduate school and asks about her investing options from her employer's 401(k) to getting into real estate.

- Steffani has maxed out credit cards and asks how to say no to spending.

- Shocking retirement saving stats

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Workers save more when employers tell them to

 

Sep 25, 2017
310: Beware the Trojan Horse
39:45

On today's show: Beware of various credit freeze products being pushed by the credit bureaus.

- Bela Oxmyx (Grafton, WI) has two kids in elementary school and asks if he should have a credit freeze put on them.

- Sky (Los Angeles, CA) has mom that is 66 who's only asset is her home. She asks how the family can work a deal to give mom money to live on while letting her age in place.

- A free browser tool you can use to keep companies from collecting information about you.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Stop Facebook tracking

National Family Mortgage

Reverse Mortgages, Wade Pfau

 

Sep 22, 2017
309: The Immortals
39:45

On today's show: Windbag Turner couldn't finish his points on staying young and fancy free in a previous show, so we continue on in part two of how to stay young forever.

- Francis (Upstate, NY) has some feedback to share on her experience with credit freezes.

- Do you know about all the extra benefits your bank offers?

- Star Lord (Colorado, Earth) asks where to park money for six years while saving up for a house.

- Tayyab inquires about my investing results in an attempt to make his own investing decision.

- Discover another important way to protect your identity.

- Are you overly worried about what people think about you?

- Marianne (Seattle, WA) has a large amount of equity in her home from the housing market recovery and asks if she should sell while the getting is good.

- Overcoming your demons.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

http://www.collaborativefund.com/blog/overcoming-your-demons/

 

Sep 20, 2017
308: Mythbusting Identity Theft
39:45

On today's show: Scott from New York asks for more updates on the Equifax credit hack. What's real, what's fake, and are people trying to cash in on your money with fear based advertising?

- Emily (Philly Cheese Steak, PA) is a millennial and asks for advice on making smart money moves to get started.

- Can you get a deal on a vehicle if you pay for it with a credit card?

- Dr. J has an extended warranty for his truck which has paid for itself and asks if he should renew it when the term is up.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

http://www.marketwatch.com/story/this-man-bought-a-45000-car-on-his-credit-card-should-you-2017-09-11

https://www.consumerreports.org/extended-warranties/extended-car-warranties-an-expensive-gamble/

 

Sep 18, 2017
307: Youth Serum
39:45

On today's show: What is one thing that can help you keep your sanity and your amazing good looks?

- Jan (Georgia) is 59-years-old making $10/hour. She says she has nothing to show for her life and asks what can she do now.

- Brennan (China) is 25 and living abroad. He has a follow-up question on what to invest in if you have a high risk tolerance.

- Aaron is going back to school and will have low income for the next couple years. He asks how to save taxes now by converting his tax deferred retirement accounts to a Roth IRA.

- Worldwide pensions are underfunded by how much? Watch out if you or someone you know is counting on a pension for retirement.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Sep 15, 2017
306: Frozen
39:45

On today's show: Don't fall for all the financial pied pipers telling you to buy credit monitoring. Scott lets you know how to protect your identity from the Equifax security breach.

- Nuno is selecting an investment account and needs help understanding the beneficiary options.

- Jim (Pennsylvania) is struggling to make extra income while he and his wife deal with upcoming bills.

- Will calls out Scott on growth vs. value stocks.

- Kelly (Wisconsin) and her husband have some stock certificates and wonder what they are worth.

- A simple way to protect your digital life.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Equifax security enrollment

Sep 13, 2017
305: The Rise of Autumn
39:45

On today's show: Adulting is hard. Especially after you've lived high on the hog for a while. Hear Autumn's story of trying to figure it out.

- Bill (St. Petersburg, FL) has a large amount of home equity and asks about selling the home to be debt free or hanging on to it.

- Don (San Antonio, TX) asks why people don't get out of the stock market when it starts going down.

- Walt (Denver, CO) asks for clarification on if working prior to full retirement age reduced social security benefits.

- The Chicken & Biscuit business building plan.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Cost of missing the best stock market days

How work affects your social security benefits

 

Sep 11, 2017
304: Paris Hilton, Blockchain Expert
39:45

On today's show: Throw common sense away! It's time to get our investing advice from celebrities.

- Tyrone (San Francisco, CA) is getting some financial gifts to purchase a home and wonders if the gift givers will be hit with Federal gift taxes.

- Jimmy (Phoenix, AZ) has an offer for a lump sum payment of his $21k pension and asks if he should take it.

- Cell phone savings with Consumer Cellular

- Ric (San Antonio, TX) asks if moving funds from a 529 plan to a Roth IRA makes sense to pay for college and have more flexibility.

- Nick contributes 20% to his employer's retirement plan and asks if the distribution between tax-free-growth and tax-deferred-growth is appropriate.

- Herb (Dallas, TX) has some restricted stock units he gets as part of his bonus and asks if he should hang on to them or diversify.

- Quote of the day from Seth Buechley

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Financial Aid Expected Family Contribution Calculator

Sep 08, 2017
303: Money Savings of The Future - Today!
39:45

On today's show: Tax hacks revisited to save you money in the future.

- Troy (Philippines) has three whole life insurance policies and asks if he can change them to term life.

- Diane (Ontario, Canada) is 52-years-young and asks about downsizing and moving into a mobile home in a trailer park to pay off debt and start saving.

- Travel Hack - How to fly to Europe or Asia for less.

- Seth (Birmingham, Alabama) is a recent graduate who is looking for feedback on his savings strategy of putting money into a Roth 401(k) or a Roth IRA.

- Brennan (American living in China) is 25, has $10,000 to invest and is trying to decide what set-it-and-forget-it method is best for him.

- Sunshine and her husband are debt free and have a $2M net worth.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Show Resources: https://scottalanturner.com/show-resources

Quick tax-rate calculator

 

Sep 06, 2017
302: Wealth At Any Age
39:45

On today's show: Sure, Colonel Sanders built a fried chicken empire starting at age 65. But what can a 90 year old learn from a 20 year old about success? What can a 20 year old learn from a 90 year old about success?

- Akorem (anonymous) is running the math between a 15 year and 30 year mortgage and wonders which is better financially.

- (Not A) Sharp dressed man - where can you get a good-looking, cheap suit?

- Martin's friend has started Forex trading and Martin wonder's if it's too good to be true.

- Chris (Charlotte, NC) and his wife paid off $79k of debt in 2 years and now wonder where to put the money that was going towards debt payoff.

- Nikolas saved 500 Euro with the Save $1,000 in 1-week challenge.

- Shanna stars a side business and gets her first paid assignment after a little more than a month in business!

- Quote of the day from David Lee Roth.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Stock market historical return investing calculator

Senior Wonders

Sep 04, 2017
301: Starbucks Money Lessons
39:45

On today's show: Hana thought her parents were crazy when they told her to get a job. Working at Starbucks at age seventeen opened her eyes to the struggles of other people.

- Beth (Auburn Hills, MI) has an option to purchase company stock at a 15% discount and asks if it's worth it.

- Jennifer (Hotlanta, GA) is earning some side income and asks how to pay estimated quarterly taxes, and what can be deducted as a business expense.

- Rakal (SoCal) is considering moving to the country of Texas. He asks about the property tax rates and how they compare to California.

- An Indiegogo FAIL to be aware of.

- Wish I Were Spock (anonymous) has a free spirited husband that doesn't contribute to the family finances. How should she bring him around?

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

IRS Form for figuring out estimated taxes

Maximize the tax deductions for meals and entertainment

 

Sep 01, 2017
300: I'll Die In Debt
39:45

On today's show: Seventeen year old Steve has parents with split financial personalities. He's carving his own path.

- Beth (Auburn Hills, MI) was gifted some stock and wants to sell it and asks how to figure out the taxes she would pay considering she doesn't know how much the stock was purchased for.

- Mike contributed money to a Roth IRA and based on his estimated taxes this year asks if it would have been better to do a Traditional IRA, and if so can what can he do.

- Bob (Garden State) asks about the differences between growth, value, and blend mutual funds that he has in his Roth IRA and 401(k).

- Average household debt is approaching levels not seen since the last recession. What's going to happen?

- Seth (Birmingham, AL) asks if his fiance should open a separate Roth IRA.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

IRA Recharacterizations

 

Aug 30, 2017
299: Stone Age Patience
39:47

On today's show: A 50,000 ton rock structure built 5,200 years ago has a lot to say about its builders.

- How to survive a jerk at work.

- Annis is trying to break out of the paycheck-to-paycheck mode but her plan isn't working.

- Thor (Oslo, Norway) is 47-years-old, has $50,000 in debt and a $850,000 mortgage balance and asks how he should attack his debts.

- Linnis shares her financial journey as an encouragement to anyone who is struggling.

- Obi Wan asks what a proxy vote is and what you should do about it.

- What is a Certified Credit Repair Expert?

- Quote of the day from Helga (Vikings)

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

WSJ

Aug 28, 2017
298: The Babysitter Was Shot Dead
39:47

On today's show: Under extreme circumstances people will do extreme things to improve their lives. How a babysitter getting shot by a stray bullet changed the course of one family's life.

- Paul has some follow up comments on his diamond shopping expedition. What is Katie's diamond worth after owning it for 13 years?

- Zach (Pennsylvania) is a 23-year-old starting his financial journey and asks for feedback on his plan.

- Lal (Michigan) is considering switching financial advisors because she doesn't know if what she and her husband are invested in are the best options.

- Adelore has a follow-up question on spendthrift trusts and asks if they can be used while the grantor is alive.

- Nick is a pharmacist with $175,000 in student loans. He asks about the priorities of paying off the debts, saving for a house, and investing.

- Can you buy more happiness?

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Aug 25, 2017
297: Hedge Fun
39:45

On today's show: How Steve hid in the bushes to help him land his dream job.

- Cammie (Heber Springs, AS) has a six-month-old and asks where the best place is to save extra money for him.

- Jesse (Colorado) wants to get started in rental properties and asks about liability protection and tax efficiency.

- What is a Certified Credit Repair Expert?

- Sarah has a question on Amazon Prime and if it's worth it to get for the discounts.

- Ric (San Antonio, TX) asks about the process from moving from one investment company to another.

- Wendy is a couple months behind on paying her credit card bill and asks how to get back on track.

- According to Consumer Reports who are the best and worst insurance companies?

- Jesse (Colorado) is financially independent and can tell his boss to stick it if he wants to.

- Quote of the day from George Moore.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Aug 23, 2017
296: From Socialist to Capitalist
39:45

On today's show: Steve was an 18-year-old working in a tourist information center. With an in-depth knowledge of Irish history, he was asked to lead a walking tour of French tourists. Hear how he turned this opportunity into his dream job.

- Kelly's husband borrowed $150,000 from his retirement to fund a friend's business. Twelve years later the friend owe's him $200,000. What should be done?

- A simple tip to increase your credit score.

- Mario is 40-years-old and asks if he should cash out his $26k 401(k) balance to pay off credit card debt.

- Ashley is trying to get over the last hump of being out of debt and asks for some help.

- What can a 30-year-old dolphin named Fungi teach you about investing?

- Tyler is the millionaire next door. Hear his story of becoming debt free.

- Quote of the day from Frank McCourt.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Aug 21, 2017
295: Investing in Whiskey
39:45

On today's show: Scott shares why an opportunity fund can be an important part of your financial plan. And it should be fun!

- Katie shares a story on how it never hurts to ask.

- Kelly and her husband are in their 40's. They are working their plan but realize they are missing out on free money while paying down their house.

- An amazing hack to get FREE TV.

- O.J. is going to jail and asks how to prepare for being out of commission for a few months.

- Quote of the day from Maeve Binchy.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Dingle Distillery, Dingle Whiskey

Aug 18, 2017
294: 40 Shades of Green
39:45

On today's show: Scott and Katie are just back from their trip to Ireland. They share some of their stories about traveling and how they apply to everyday life.

- Kristie (Seattle, WA) shares a resource on passive investing.

- Another millennial who's giving millennials a bad name.

- Deborah (Pittsburg, PA) asks how to tactfully ask friends and family contribute to her 5-month-old's college savings instead of giving them more toys.

- Amanda has a husband who's not down with budgeting and asks for assistance in getting him to come around.

- A listener is starting an online business and has questions on setting up banking accounts and how to pay taxes.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

NOLO Small Business Start-Up Kit

Jack Bogle interview

UPromise 529

Leaf College Savings

 

Aug 16, 2017
293: Rich Dad, Poor Mom
39:45

Topics: What impact did your parents have on your spending and saving habits? One of our scholarship applicants shares a story of divorced parents with polar opposite money habits and how those habits impacted their life.

- Jessica (Westhampton, MA) is running multiple businesses and concerned about how to make ends meet.

- Yet another reason to not buy gold.

- Walt (Colorado) watched a news piece on 401(k)s and asks how to prepare for the worst.

- Is your financial situation making you sick?

- How to get interest charges waived by asking politely.

- Excessive excess.

- Quote of the day from E=mc2

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

401K Fallout by 60 Minutes

Worried sick

Aug 14, 2017
292: You Can Avoid These Money Traps
39:45

Topics: If you're not careful there are several money traps you can fall into. Hear what they are and how to avoid them.

- Life Enthusiast (Bay Area, CA) asks for feedback on his financial situation and paying off a house to become debt free.

- Scott answers the call to make a handyman call to a rental house.

- Travel tips for going to a foreign country.

- A simpler way for you to break bad money habits so you can save more.

- Vickie asks for a comparison between the budgeting tools Everydollar and YNAB.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Aug 11, 2017
291: Are Flowers An Investment Or An Expense?
39:45

Topics: Do you really know the difference between an expense and an investment? Find out if your brain is fooling you instead spending more than you want to.

- Paul is looking for recommendations on where to buy quality diamonds online.

- Katie gives some resume tips on updating your resume (and making sure it's good).

- Kristina is an ER vet and has a warning about ordering pet medications online.

- Yes, stock picking should scare you.

- What does the projected cost of the new Apple iPhone do to your brain?

- How do you compare to the rest of the world?

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

I Do, Now I Don't

Purchasing pet drugs online, buyer beware

Global Rich List

Aug 09, 2017
290: How To Choose Between A Roth vs. Traditional 401(k)
39:45

Topics: If you have to choose between a Roth 401(k) and a Traditional 401(k), which one should you pick? The results from a new research study are in and the answer will surprise you.

- A listener takes action and meets with an advisor.

- Why good budgets are selfish budgets.

- Katie's side business wins a $150,000 grant!

- How to hack your credit score.

- In his own words - Chris Peach and his wife paid off $52,000 in 7 months.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

https://www.wsj.com/article_email/roth-vs-traditional-401-k-study-finds-a-clear-winner-1497233040-lMyQjAxMTI3MDI5NzkyNzc1Wj/

Government grants

National Registry for Adoption

Chris Peach

Aug 07, 2017
289: The Stealthy Killer of Budgets and Money Goals
39:45

Topics: Scott explores why people have a hard time doing what they know they should be doing, but still don't do.

- How to discover if someone shares the same money values as you do (before you get hitched).

- Shanna saved $300 in our savings challenge.

- Three financial tips for new college graduates.

- Scott gets pre-approved for $275,000 in business loans. Time to throw a party!

- Wall Street wants you to borrow against your investments. Why this is a terrible idea.

- Carlos (Argentina) is interested in investing but doesn't know where to start.

- LeBron James turns $1M into $35M from buying pizza.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Pizza, pizza

101 Questions To Ask Before You Get Engaged

Borrowing from your investments

 

Aug 04, 2017
288: Why We Want Things We Don't Need
39:45

Topics: Can buying one new piece of clothing cause financial ruin? Hear the story of how It did for one person.

- D. (India) is 49 years old and asks for feedback on his financial plan so he can provide for his autistic daughter after he passes away.

- What to look for in private student loans.

- Linda (Arizona) is in retirement, living on social security, and stuck not knowing what to do.

- Everyone needs to know the most important words when dining out with friends.

- How your credit score affects a car loan.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Aug 02, 2017
287: Saving BIG While Starting small.
39:45

Topics: Hear the story of a homeless cocaine addict who became a millionaire. The secret sauce of building wealth isn't a secret.

- Dancer Jordan gives an update on his Canadian tour. He has a weird paycheck situation and asks how to budget for it.

- Seven of Nine got a newsletter saying ETFs would not be stable in the future. Could this be true?

- Another tale of employees making uninformed savings decisions that cost them plenty.

- What is it like to work for minimum wage?

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Dani Johnson, from Rags To Riches

 

Jul 31, 2017
286: Want To Buy A Lamborghini For Cheap?
39:45

Topics: The fake math behind leasing an expensive car. How to avoid the deception and becoming a victim of all flash and no cash.

- Adrienne is in deep credit card debt and asks for help.

- Nuno has a question on asset allocation for couples.

- Yelp for Banks - Big banks are looking to silent consumer complaints. But they are doing it for you of course!

- Robots might be taking your job over soon.

- Why you should switch to a credit union.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Consumer finance complaint database

7 Steps To Leasing A Lamborghini

National Foundation for Credit Counseling

TIAA Annuity

Jul 28, 2017
285: #YODO What You Need To Understand About Money
39:45

Topics: What is YODO and what do you need to know about it?

- A new perk for business travelers.

- Peggy makes $41,000 and is a financial pinch being a single mom with three kids and a mortgage. She asks for guidance on getting out of debt.

- Laura (Texas) has an employer retirement plan with Vanguard and has been asked to switch. She thinks she might lose her job and wonders if she should wait it out.

- My Fearless Forecast - You're going to lose money if you listen to the financial talking heads.

- Tate asks what type of accounts have compounding.

- Red Alert! - A new scam for auto owners to be aware of.

- Grayson paid off $50,000 in debt!

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Upside Travel

Grayson Bell, Debt Roundup

Jul 26, 2017
284 Morning X: Relax Like Roger
05:42

Topics: What you can learn from winning a Wimbledon tennis title.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Jul 24, 2017
283: Do Cat or Dog Owners Make More Money?
39:45

Topics: Marketplace did a study comparing people with money and those without. What are the different characteristics of people between income levels?

- Sears is a sinking ship. What lesson can every generation learn from their failure?

- Nate is a 27-years-old chef and is looking for guidance on where to start investing.

- Supermodel Laura (Maryland) has a new job with no employer match in her 401(k). She asks if it's better to do a Roth instead.

- Manuel (Florida) is picking up a part time job to pay down debt and asks how it will impact his taxes.

- Should you buy college tuition reimbursement insurance?

- Who are Fama, French, Markowitz, and Sharpe?

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Jul 24, 2017
282: There Is No Spoon
39:45

Topics: Financial independence is 20% knowledge, 80% behavior. Your brain can trick you into poor decisions. Watch out for these deceptions to keep more of your hard earned money.

- Ingmar lost $220,000 - the bulk of his savings - in a pump and dump scam. Could you be next?

- Pastors sue Coca-Cola in what could be the dumbest lawsuit in history.

- Ric (San Antonio, TX) asks for a financial check-up on his retirement savings.

- Laria (Melbourne, Australia) asks If everyone invests in index funds won't the market returns go down?

- DJ (Cali) leased an electric car and has come out ahead on the deal. He share's how he made it work.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Coca-cola lawsuit: http://www.theblaze.com/news/2017/07/15/pastors-sue-coca-cola-in-what-could-be-the-dumbest-lawsuit-in-history/

Present value of an annuity calculator

 

Jul 21, 2017
281: We're All Winners Now!
39:45

Topics: The Consumer Financial Protection Bureau and Department of Labor are fighting for working families. They won a couple battles. Now the losers are suddenly working in your best interest. Or are they?

- Amber's husband has three more semesters left to finish a master's degree. They just realized the degree won't increase his salary that much. She asks if he should drop out and cut their losses.

- Extreme Couponer Dolores does a July checkup - are you on tax track?

- Are you Wells Fargo customer? Get your piece of the $142 million settlement over fake accounts.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

401(k) and IRA Ripoffs

Student Loan Debt vs. Salary Calculator

Federal income tax calculator

 

Jul 19, 2017
280 Morning X: The Rock In The Road
05:41

Topics: Every obstacle presents an opportunity to improve your condition.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Jul 18, 2017
279: The High Cost of TV
39:45

Topics: Marketplace did a study comparing people with money and those without. What are the different characteristics of people between income levels?

- Ann (Lehighton, PA) is six years from retirement and has no retirement savings.

- The best places to retire (again).

- Cruising the high seas? You might be cursing the high seas after you hear what cruise lines are doing.

- One athlete is moving to another state to save $8.7M in taxes. Could you do the same?

- Chester is in some high expense investments and asks if they are appropriate.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

TV Viewership and income: http://www.marketplace.org/topics/wealth-poverty/income-upshot

How giving up TV for a month changed my brain and my life - https://www.fastcompany.com/3060491/what-happened-to-my-brain-after-a-month-without-watching-tv

Fee only CFPs:

XY Planning Network - http://www.xyplanningnetwork.com/
Garrett Planning Network - http://garrettplanningnetwork.com/
NAPFA - https://www.napfa.org/

http://www.espn.com/nfl/story/_/id/19845375/the-oakland-raiders-moving-las-vegas-save-quarterback-derek-carr-upwards-87-million-taxes-2017-nfl

Jul 17, 2017
278: Today Is A Good Day To Die
39:45

Topics: A listener gets married and Scott shares the first money moves he should make.

- Jamie asks how to keep herself accountable.

- Katie discusses how to get rid of a bad contractor.

- Darwuin asks how best to max out his retirement accounts.

- Floyd Mayweather can't pay his taxes. How soon before he's broke?

- Life is about eating donuts.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Jul 14, 2017
277: 179% Richer Than Average
39:45

Topics: Maybe you have decided to buy into the get rich slowly savings philosophy. But is there a way to supercharge your savings and be better than average?

- Chell (New York) is 40 making $40k and asks how to finance her dreams of opening a business on an island and providing free education to children.

- Amazon is winning - at your expense. Find out how.

- Kevin has two young boys and is interested in opening custodial accounts for them. He asks what type of account he should consider.

- Cynthia has a way to make money that if you ignore you will repent!

- Scott shares the next hot stock tip nobody else is aware of.

- Alexis is 32 years old, married with kids, and deciding on how best to tackle $50k in student loans and two car payments.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Amazon pricing: http://www.investopedia.com/news/how-amazon-winningat-your-expense/

Problems with custodial accounts

Jul 12, 2017
276 Morning X: Call of Duty
14:30

Topics: Scott finds an injured animal on the side of a country road. Today's show: What do you do when nobody is around looking and can judge you?

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Jul 11, 2017
275: Would You Rather Have More Time or More Money?
39:45

Topics: Every day you're faced with choosing between time vs. money. What are the factors to consider when deciding? How can the decision lead to more happiness?

- Our July challenge is here. Just one more! Day, that is.

- Ty (California) is confused on ETF investing vs. index fund investing.

- The days of the Honda Fit are now numbered. Katie has requested a new car.

- Nick has a friend who wants to buy a used car and asks for some tips on how to do it.

- Rich is a college junior and feels the stock market is too risky to invest in.

- Wendy moved her kids out of America. Here's what happened.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Parenting

Cost of missing out on the best days of the stock market

Jul 10, 2017
274: Practical Advice from Bajillionaires on How To Get Rich
39:45

Topics: Looking for a little inspiration from those who came from nothing and made it? Listen to what these famous people have to say about building wealth.

- Victor changed jobs and asks if he should take his old 401(k), cash it out and pay off all his debts.

- Jessica is a full-time college student needing ideas on how to save money.

- Gianluigi is contributing to a company IRA and asks if he can contribute to a post-tax IRA as well.

- Why do millennials (or anyone) love Olive Garden?

- Even historic landmarks are running out of money. What does it mean to your retirement?

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

IRA Aggregation Rule

Millennials love free bread sticks

Colonial Williamsburg has drained it's endowment fund

Using money you don't have quote

Jul 07, 2017
273: Financial Tips For New Graduates
39:45

Topics: What should new graduates know before heading off to college or heading out into the working world?

- David got a $20k raise at his current job. Discover how he did it.

- PackerFan (YouTube) has some confusion on picking between a Roth 401(k) and a regular 401(k) and future tax brackets.

- Lisa (Melbourne, AU) has an investment property that is cash flow positive but hasn't increased in value and asks if it's worth keeping.

- Red alert warning: Homeowners beware! Watch out for this trickery going around.

- Shari has a resource that will increase your credit score in 48 hours.

- Gary has some investments at one of the full service brokers and asks if it's wise to move the investments elsewhere.

- Dolores has a tip on extreme couponing.

- A 32-year-old real estate investor who is worth over $1M.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Abhi Golhar, Young Millionaire

 

Jul 05, 2017
272 Morning X: Baby You're A Firework
07:14

Topics: Hot dogs! Is there anything they can't do? Yes - build wealth.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Jul 04, 2017
271: Thou Shalt Not
39:45

Topics: What is Pascal's wager and how does it apply to managing your money? Wager right and you're sitting pretty. Wager wrong and your dead broke.

- An update on Scott's letter to AT&T's CEO regarding the overcharge on a cell-phone bill.

- Charlie asks about a particular investing app and if it's worth trying.

- The imperial federal government can change any rule or law at any time - how should you prepare yourself for the inevitable?

- Kevin (Seattle, WA) provides a detailed financial goals plan and asks if the steps make sense.

- Jake is concerned about his emergency fund not keeping pace with inflation.

- What are the millennials doing that bought Snapchat? Getting a hard earned lesson which is a good thing.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Witt Actuarial Services
Glenn Daily
James Hunt

 

Jul 03, 2017
270: Super Freak - The Role of Control
39:45

Topics: Decisions, decisions, decisions. What's it really take to control your finances? Scott shares how to use your inner control freak to get stuff done.

- Isaac asks about good investment funds for Roth IRAs.

- Sarah (Facebook group) wants to increase her credit score without going into debt.

- Jane (Boston, MA) is 25, has $90,000 in cash and wants to know where to put it and get good returns with low risk.

- Peppy has four kids and can't save money.

- Where to invest now? A look into the crystal ball of one of the major news rags and why you should continue to ignore the media.

- Aletta is on disability and a limited income and asks how to achieve financial freedom.

- App for getting more tax deductions.

- Linda (Bergen County, NJ) is 56 years of age, on disability and needs financial help.

- Starbuck (Cylon occupied Caprica City) is 35, has a variety of investment accounts and asks about how to manage them.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Track deductions year round

Jun 30, 2017
269: Your Magic Number for Retirement Savings
39:45

Topics: What do you need to consider when figuring out how much you need to save for retirement and if you're on track or have some catching up to do? Scott shows you how to increase your confidence for FIRE (financial independence, retire early) date.

- Daniel just graduated college, wants to get started investing but asks if he should wait since the markets are up.

- Beth follows our tips and saves money on her insurance.

- Cornelius is trying to figure out his 401(k) contributions based on his employer options.

- Angie (Dover, PA) has a pension and asks about the choice between taking a lump sum or not.

- Valerie and her husband have $120,000 in student loan and credit card debt, bring home $37,000, and wonder if they can get out of debt.

- Jessica has a 14-year-old son and asks if he can start a Roth IRA.

- Imani is 22 and tired of being a struggling college student.

- A millionaire by 40.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Retirement income calculator

Acorns, Four Young Millionaires

Jun 28, 2017
268 Morning X: $204,971.31 In Debt Paid Off
07:29

Topics: Hear the inspiring story of one couple that paid off a huge amount of debt and are now living debt free!

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Claudia and Garrett's story: http://twocuphouse.com/2017/03/14/debt-freedom-oh-yeah/

 

Jun 27, 2017
267: Does Chocolate Milk Come From Chocolate Cows?
39:45

Topics: Scott looks at how some of our perceptions of people and things are not based in reality, and how it those beliefs can cost you money.

- Diane has open enrollment with her employer and asks about a new option called a Collective Investment Trust.

- Have you turned over control of your HSA?

- How you can save money on out of pocket medical expenses.

- How does your emergency fund stack up to the crowd?

- James is 39 years old and asks for a review of his financial goals.

- DJ (Cali) shares his experience - and warns others- about deferred interest on the payment for a replacement roof.

- Mara is living in chronic pain, makes $900/month and needs guidance to get ahead.

- Jason asks about the Robin Hood app for long term investing.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Millennials are saving more

Healthcare Bluebook

 

Jun 26, 2017
266: What Is An Adult Allowance?
39:45

Topics: What is an adult allowance and why should you have one?

- Ben has a follow up question on why you would want to finance a car for three years vs. five years.

- Laquita (Panama City, FL) is upside down on a car loan and isn't sure how to get out of it to lower her monthly payments.

- Manuel has a question on what holdings are.

- Phoenix Jet is retiring in a few years and is deciding on paying off his mortgage now or waiting.

- Does chocolate milk come from chocolate cows?

- Seema asks about converting a term policy to a permanent life insurance policy.

- DJ (Cali) shares his experience - and warns others- about deferred interest on the payment for a replacement roof.

- Mara is living in chronic pain, makes $900/month and needs guidance to get ahead.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Jun 23, 2017
265: Retire Faster By Downsizing Your Home
39:45

Topics: Living large doesn't mean living better. It usually means working longer to pay off a mortgage. Scott shows you how to live well while spending less so you can achieve your goals faster.

- Benjamin has a car leasing question specific to having a large family and needing a big vehicle.

- How advertiser's are getting you to spend more with clever descriptions.

- Amber has more bills than income and can't figure out how to get ahead when costs are going up.

- Andes (Ceshire, CT) has $25k in credit card debt and wants to know the calculations behind saving in a 401(k) and getting a tax break or paying down the debt.

- Tristan is 25-years-old and has questions on where to put his first investing dollars if he only has access to a bad 401(k) plan.

- Hear the story of how Scott rescued a baby deer.

- Danah (Chicago, IL) is a personal finance scholarship applicant and shares some great tips on money she's learned as a young adult.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Personal Finance Scholarship Application: https://scottalanturner.com/personal-finance-scholarship/

Seductive names make vegetables more appealing

 

Jun 21, 2017
264 Morning X: A Mother's Letter To Her Son
04:26

Topics: Hear the story of how a listener who was once homeless has turned her life around.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Jun 20, 2017
263: Less Isn't More. More is More. Minimalism.
39:45

Topics: Hardcore minimalists live with 100 possessions. Scott has that many things on his desk. But what can you learn from those that choose to see less as more?

- A new report shows you can't make minimum wage and afford a two bedroom apartment.

- What you need to watch out for with all credit card companies this time of year.

- Molly has $20,000 in student loans and asks if putting extra payments in monthly or in big batches makes more sense.

- Phillip asks if it's a good idea to invest in Bitcoin or etherium.

- Jennifer asks how to get started investing with a particular firm.

- Laura and Steve have improved their finances and decided to head to the beach during the week.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.


Minimum wage and renting

 

Jun 19, 2017
262: Rage Against The Machine
39:45

Topics: Scott goes undercover to research a new investment opportunity that is making the rounds on the Internet. Is it legit and can you make money?

- Naomi and her husband make a combined $200k/year and will receive pensions when they retire. She asks if she needs to contribute more towards her 401(k) savings and if so, how much.

- Adam has lousy investment options in his company retirement plan and asks how best to maximize his hard work.

- Peter is blowing up his budget by buying magic cards and needs some help with a spending plan.

- Mo has a lot of company stock that is doing well but knows letting it ride may result in crashing and burning. She asks for advice on diversification.

- Cherene's husband will be starting a job in six months and get access to a 401(k). She asks if she can start investing now and roll the money into the employer's 401(k) plan.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Jun 16, 2017
261: What Do You Do After You Reach A Big Goal?
39:45

Topics: Debt, saving, investing, paying off the house. What can you learn from the things you've already accomplished and how can you use those lessons for your future?

- Silva (Texas) and her husband are in their 30's, make $150k/year and have high interest student loans totaling $155k. She is concerned about not investing while paying off the debts and asks for guidance.

- This problem is keeping most Americans awake at night.

- Ashley is 30 years old and looking to start investing in her employer's retirement plan and has a question on the fund fees.

- If you retire later will you die earlier?

- Jorge is selling a rental property and will have enough cash to pay off his primary residence. He asks about his plan considering he has a car loan, no retirement savings, and wants to save for his kids college.

- Oscar asks about his employer's retirement options and which ones he should pick.

- Brianna (NH) shares her story on what she's learned about money growing up.

- Quote of the day from Grandma Moses.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Jun 14, 2017
260: Morning X: A View From The Top with Aaron Walker
31:57

Topics: My friend and business coach Aaron Walker joins the show to talk about his new book A View From The Top.

Pre Order the Book, Plus Special bonuses:

http://www.viewfromthetop.com/book

Jun 13, 2017
259: Is Managing Your Money the Secret to a Happier Home?
39:45

Topics: What are the three ingredients to decreasing money arguments at home (and increasing your happiness)?

- Did you know honey gives hope? How one company is making a difference globally.

- Mary hates her job and wants to work less and spend more time with her family. She is looking for advice on how to make the leap from the corporate grind.

- Computer is looking to get into the financial services field and wonders if the job interview they received is legit.

- Curt has $500,000 in combined debt, works two jobs, and is interested in getting started investing.

- Sarah just signed up to work with a Ferengi investment company and asks if she made a wise choice.

- Bron is in her mid 40's, owns nothing, is in debt, and is about to give up. She reaches out to get out of the dead end she's at.

- Nicholas shares a tip on how to save money on an engagement ring.

- Quote of the day from Sheryl Sandberg

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Nature Nate's Honey

NFCC

Charles & Colvard engagement rings

Jun 12, 2017
258: Smells Like Teen Spirit - Estate Planning Nirvana
39:45

Topics: The Kurt Cobain estate has an estimated value of $450M, and there were many legal battles to get a piece of that pie. Scott covers what you need to know for DIY estate planning.

- Susan has a high interest student loan and wants advice on if taking out a 401(k) loan is a good idea to pay it off.

- Ludie is a broke college student who can't find money to fix the car and asks for help.

- T$ (Seattle, WA) has several retirement accounts from past employers as well as personal investing accounts and wants to if he should move them.

- Alex had to drop out of school because of a death in the family and is trying to figure out how to deal with student loan debt and the house he inherited.

- Joe (Wisconsin) has $70,000 in equity from his current house, $6,000/month after-tax take-home and asks how much his next mortgage should be.

- 5 Best Countries for Affordable Health Care in Retirement.

- Abrar will be returning to India from the U.S. in 5-7 years and asks about saving for retirement vs. saving to start a business.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

WillMaker

Healthcare in retirement

Jun 09, 2017
257: Survey Says! What Do You Value More Than Your Salary?
39:45

Topics: Research by Glassdoor reveals the six most important things that make people happy at their job. Find out what they are so you can decide if where you work is leading you to a greater joy or if it's time for a change.

- Manuel didn't pay attention to his employer's retirement plan and has a bunch of random selections and asks how to fix it.

- Samuel (Sellersville, PA) has a brand new baby, $50,000 in debt, and is looking for advice on how best to tackle paying it off.

- Pattie and her boyfriend just graduated college and were talked into buying a whole life insurance policy. She asks if they made a wise choice.

- M is about to finish paying off some debts and wants to know where to start an IRA.

- Jayme (Staten Island, NY) can't find a job and is struggling to support two kids.

- Riker and Deanna (Gaithersburg, MD) are 36, have $435k saved in their retirement accounts and ask about the impact of the investment expenses over the next 20 years.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

The whole story on whole life: https://financialmentor.com/financial-advice/life-insurance/whole-life-insurance/19216

 

Jun 07, 2017
256: Morning X: The Doughnut Dilemma
10:04

Topics: Mmmmm, doughnuts.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

What the doughnut teaches about behavior economics: https://www.forbes.com/sites/roddwagner/2017/06/02/the-doughnut-dilemma-what-the-office-pastry-teaches-about-behavioral-economics/#1dbf50e41dbf

 

Jun 06, 2017
255: Silly Ways We Spend Too Much On Vacation (And How To Save)
39:45

Topics: Summertime is coming up and many people will be hitting the road for the family vacation. Discover how to have an awesome time while keeping more of your hard-earned money.

- A 95-year-old grandma managing a 36-unit apartment complex handles evictions by being polite, but firm.

- Chewbacca (Asheville, NC) is maxing out his retirement accounts and is deciding between paying off his house in the next five years or putting more money towards investing.

- Matt (Montana) has a business idea and plan he needs some direction with to get off the ground.

- Daniel is working full-time and a part-time job to get out of debt but is getting drained and asks how to get out of the hole.

- David has a problem teaching his son to take control of his finances and wonders what to do.

- JV is taking control of his 403(b) and trying to decide how to select the best investments.

- Nate is 36 years old and ready to get back into the investing game but isn't sure if the market is overpriced.

- Ann has a 20-year mortgage and is deciding between paying it off now or waiting another five years before she retires.

- Shane asks if storing an emergency fund in a Roth IRA money market account is a great idea.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Jun 05, 2017
254: What Do You Spend More On Than Your Retirement?
39:45

Topics: A lot of everyday expenses in life eat away at retirement savings - housing, childcare, expensive cat food. Scott shares some thoughts on where the money is going and how you can reclaim some of it.

- Criss (New York) got hit with some condo assessments and asks what the insurance policy will cover.

- Olivia (New Jersey) recently stopped working due to a car accident and isn't sure if she wants to stay in the profession she just graduated from.

- Gail is moving to low cost index funds and has questions about which funds to get into before making the switch.

- D'ante is in a low paying job, didn't get the last paycheck and asks about saving and spending.

- Jon (Columbus, OH) is picking from a high expense mutual fund or a low cost index fund and asks when the mutual is the better choice?

- Quote of the day by Jon.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

Jun 02, 2017
253: What Kind of Spender Are You?
39:45

Topics: Hey big spender! Or little spender. Or middle-of-the-road spender. Or are you an ostrich spender? Knowing your spending philosophy is another great way to get a handle on your money or identify what makes your significant other tick.

- Shawn is a pharmacy manager making good money and asks about balancing paying down big student loans vs. investing.

- Al is a new parent struggling to make ends meet and wonders how he can get ahead to spend more time with his family.

- The NFL player earning $11 an hour.

- Seema is buying index funds from multiple brokers and wants to make sure they aren't the same thing.

- Linda (OshGosh, WI) is 56 and now on disability. She needs some direction on how to prepare for retirement with her existing savings.

- Josh (Los Angeles, CA) has a new baby on the way and his up and down income has him struggling to stay out of debt.

- Abby Lee is heading to jail! Scott will dance to that.

- Scholarship deadline is approaching - please spread the word!

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

NFL Player's $11/hour side job: http://www.espn.com/blog/tampa-bay-buccaneers/post/_/id/17068/nfl-players-11-per-hour-side-job-helping-those-who-cant-help-themselves

Personal Finance Scholarship

Health Savings Administrators

May 31, 2017
252: Morning X - Increasing Your Success From The Golden Rule
09:43

Topics: What is the golden rule on how does it impact business and your life?

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

Special music by 7's Catacomb

May 30, 2017
251: How Did Debt Become A Way of Life - A History (Boo!) Lesson
39:45

Topics: Your past successes and mistakes hold a lot of valuable lessons to learn from and help you make more informed decisions about your future. But have you ever asked yourself how did our society as a whole become so comfortable with having no savings and making debt normal? Scott takes you on a trip back in time to how we got to where we're at.

- May Challenge - Reinvent your stock replies.

- Becky (TX) is a teacher with a bad 403(b) plan and wonders where to invest her money for retirement.

- Melissa (CO) is 24-years-old and getting a new job. She asks about how to maximize tax savings on a salary/commission income.

- Loren (Grey Eagle, MN) is 40 years old and needs help deciding between two options for health care benefits she won't collect on until retirement.

- Abrar (Phoenix, AZ) is 26 years old and will be moving back to India in 5-7 years. He asks how best to manage his finances so he can start a business later.

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

 

 

May 29, 2017
250: How Much Money Can Discontentment Really Cost You?
39:45

Topics: Do you know the opportunity cost of the things you buy? The decision isn't about to buy or not to buy a $5 coffee or making more money. It's about how you can create the type of financial awareness so you can achieve your dreams.

- Sharon is 57 and lost all of her money to a fraudulent investor and needs help rebuilding her life.

- Theopolina (Rexburg, ID) asks how to build wealth slowly and not get rich fast.

- Shane asks why are people recommending robo-advisors when the data disagrees?

- Apollo starts his financial journey and shares the first step his family has taken towards financial security.

- How will your employer-sponsored retirement plan protect itself from being sued by the employees?

- Did you know you can be wealthy without money?

Links mentioned on the show:

Please share the show by texting http://GetFR.com to 3 people.

The Robo Report

May 26, 2017