Articles and Videos

CAPitalize Good and Bad Debt -Season 2: Episode 8
Capitalize

CAPitalize Good and Bad Debt -Season 2: Episode 8

October 25, 2021

For those who are accustomed to hearing that all debt is bad, when they’re told that there is actually such a thing as “good debt,” they’re often more than a little skeptical. This can be a hard concept for many people to understand. Believe it or not, there are strategic ways to utilize debt to your potential advantage. The key is to understand which debts are good, and which ones are bad. Knowing the difference between the two can make a big difference in your financial life.
Answering Your Most Common Social Security Questions – Season 7: Episode 6
Managing Your Financial Future

Answering Your Most Common Social Security Questions – Season 7: Episode 6

October 19, 2021

This episode covers some of your most common Social Security questions that we get every week: How can I avoid paying taxes on my benefits? Is there an ideal age to start taking benefits? Can I collect a benefit even if I’m still working? How do the spousal and survivor benefits work? Social Security provides a baseline for many people’s retirement plans, which is why it’s important to be as well-informed on the topic as you can be.
How to Set Up Bucket One- Season 7: Episode 5
Managing Your Financial Future

How to Set Up Bucket One- Season 7: Episode 5

October 12, 2021

The basic idea of a Buckets strategy involves taking portfolio distributions from a non-volatile source: what we call Bucket #1.  You never want to be in a position where you have to sell volatile assets (like stocks) to fund your short-term monthly expenses. But does this mean that you need to have several years’ worth of cash sitting around to make sure it’s there when you need it?  The short answer is no – you just need to “bucketize” the bucket. But how do you do that?  It’s not as simple as it seems.
CAPitalize Your Debt -Season 2: Episode 7
Capitalize

CAPitalize Your Debt -Season 2: Episode 7

October 11, 2021

For those who owe a lot of money to creditors, debt can seem like a really bad thing. And the bigger the debt, the worse the situation. And for those on the other side of the spectrum, those who are essentially debt-free, life can certainly seem a lot easier, at least financially speaking. There’s no shortage of financial pundits who tell you how much better your life will be if you eliminate all of your debts. But is this really sound advice? Perhaps not. There may be some instances where debt can actually work in your favor.
How To Manage Your Tax Bill, Now and in Retirement – Season 7: Episode 4
Managing Your Financial Future

How To Manage Your Tax Bill, Now and in Retirement – Season 7: Episode 4

October 5, 2021

It’s been said that taxes are perhaps the biggest drag on your portfolio’s returns. So it would stand to reason that managing your taxes, with the goal of keeping them as low as possible over the course of many years, should be one of your biggest financial planning priorities. But “managing” your taxes is different from “minimizing” them. There may indeed be times where paying a little more in taxes now could save you much more down the road: maybe for the rest of your life.
CAPitalize Your Savings -Season 2: Episode 6
Capitalize

CAPitalize Your Savings -Season 2: Episode 6

September 27, 2021

People sometimes wonder if “Cash is King,” or if “Cash is Trash.”   What if the answer is neither…or both?   Something as simple as how much you need to have in savings truly depends on your individual situation — and the variables are endless.  Do you work for the government and have a steady income?  Are you an owner of a company where your income fluctuates?  Are you a dentist and perhaps struggle to understand how much cash to have in your personal savings and business account?   On today’s episode, I talk about how to be prudent with your savings (and where to store it)!