Money Guy Show

Target date funds have been around for two decades now and they continue to evolve and find their place in more and more portfolios. The funds are typically inexpensive and give you a great amount of diversification while targeting an appropriate amount of risk to fit your financial timeline. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo discuss insurance necessities as well as the appropriate level of insurance to carry across varying career and life stages. The guys also discuss emergency reserves and disability insurance. If you are in the market for insurance this is the show for you! Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo give you the tips and tools you need to make your dollars stretch further than the rest. The guys share sites to help save you money shopping online, booking travel arrangements, negotiating utilities, and grabbing a cab. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week Brian and Bo dig into the dollar cost averaging discussion, and illustrate the pros and cons that DCA presents. The Dollar Cost Averaging strategy is fairly simple, it boils down to having systematic entry points into the market. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo pick up where they left off last week by detailing financial factors to consider when participating in the housing market. The guys even discuss some strategies and tools to utilize when reviewing non-mortgage, housing related expenses. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you been waiting to buy or sell a house? Are you tired of renting and have been waiting to purchase your dream home? Brian and Bo give you their thoughts on the housing market so you can make sense of the current housing environment. The guys first look at few explanations for the suppressed […] Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian dives into what it takes to be successful in business, finances, and your career, and how that success relates to the risks you take. He covers the habits that seem to drive successful people to push the envelope, and how those are the people who are willing to take risks more often in order to accomplish their goals. He also discusses why people tend to take the easy road and settle for a life that they may only be content with. Learn more about your ad choices. Visit megaphone.fm/adchoices

A million dollars seems like such a magic number, but what does it take to get you there? It may be true that saving the first $100,000 is the hardest, but you have to start somewhere. This week Brian and Bo give you the basic steps necessary to becoming a millionaire by retirement age. The choice is yours, start early or start late...it can be done!! Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo cover different strategies and steps to take when preparing for retirement and review features that are available in your 401k. The motivation for this show is two articles that finance blogger Dana Anspach recently released about 401k’s and other retirement accounts, 7 Things I Wish People Knew About 401k Plans, and 7 to-do’s before you turn 59. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo discuss the strategy behind asset location and give you a breakdown of their thoughts when designing investment portfolios. The guys give you the rundown on tax-efficiency and cover the three “pots” of money in the investing world 1) Taxable 2) Tax-Deferred 3) Tax Free. Learn more about your ad choices. Visit megaphone.fm/adchoices

The market downturn from 2007-2009 forced banks and other lending institutions to increase their lending standards for personal loans, as a result, peer-to-peer lending has found its footing. From this, Lending Club has jumped to the front of the market for these loans. Brian and Bo have been dabbling with the site over the past year, and in this show they give everyone a rundown of their experience over the past year. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo investigate identity theft protection, and credit monitoring industries, as well as provide you with alternative methods to identity security that is available. This week’s episode is a must-listen and a great resource to keep an eye on your credit score, report, and security. Learn more about your ad choices. Visit megaphone.fm/adchoices

The core of this week’s show is staying informed with your parent’s financial situation. Brian and Bo cover what you need to know and when it makes sense to discuss finances with your parents or children. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo share tips for saving money every month with a couple of phone calls. They stress being an advocate for your wallet by constantly looking for the best deals. This week we cover reducing your utility bills and explore resources online that allow you to compare the best prices for the services that you spend money on every month. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week’s show Brian and Bo analyze Warren Buffett’s annual Letter to Shareholders. It does not matter the market the conditions, he always has a simplistic view and understanding of investing and can relay that information in layman’s terms. Basically, Buffett's still got it. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Brian and Bo dig into the active vs passive argument. It seems like there is a constant battle among investors and advisors about their stance on active and passive management. Brian and Bo share their opinions and give a behind the scenes look of their investment philosophy. Learn more about your ad choices. Visit megaphone.fm/adchoices

The IRS started accepting tax returns January 31st so we thought it was best that we give you some tips when filing your return. We cover some topics that will hopefully make filing your 2013 taxes a little less stressful. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo cover homeowners insurance in this week’s podcast. The topic surfaced after Brian had a pipe burst in his home and experienced pretty significant water damage. The guys give you a rundown of what to expect during an insurance claim as well as the ins and outs of your homeowners insurance policy. Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy New Year! We are starting the year out by giving you a ton of great advice. The theme of this show is to stick to what works. We are not going to try to re-invent the wheel, but rather explore what creates success and benchmark it. This week Brian and Bo cover some great financial concepts to implement in the New Year. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we dig into charitable giving, it’s a perfect topic for this time of year. Brian and Bo cover donor advised funds as well as some cool tax tips. We also discuss our goals for 2014 and give you a sneak peak of what to expect from us in the coming year. Money-Guy […] Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian’s recent birthday is the inspiration for this week’s podcast. He reflects on the defining moments in his life so far and shares his thoughts on the factors that determine your place in life, both financially, and emotionally. The two key issues that he felt were pressing to address in this podcast are: 1. Where should you be financially, and 2. Doing things in life that make you happy. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo share funny stories and financial lessons learned from their recent trip to Las Vegas. They cover everything from playing the odds to knowing how to get free and discounted incentives. If you’re planning a trip or vacation in the future this show is a must listen. Check below the show notes for a list of links to topics from this podcast like celebrity gamblers and the wizard of odds. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week Brian summarizes the 2011 and 2012 Letter to Shareholders from Berkshire Hathaway. He notes that consistency is key when investing, especially during times of uncertainty. We also give you a rundown of the article: 10 ways to wipe out your retirement savings, by Dana Anspack, a fee-only advisor out of Arizona. Dana does a great job on each of her ten points, we feel like this is a must read for everyone. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we analyze the Truths Financial Pro’s Won’t Tell article from the October issue of Consumer Reports and share our thoughts and perspectives with you about working with financial advisors. We also cover the humble story of NFL running back Alfred Morris and his first car. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we break down the car buying process to give you some helpful tips when purchasing or leasing a car. Over the years we have developed a system for helping clients buy cars we're giving you a behind the scenes peak at the Money-Guy's best practices for car purchases. Learn more about your ad choices. Visit megaphone.fm/adchoices

Everyone is in for a treat this week as we explore the way music relates to your finances. Brian dug through his iPod and iTunes to find a list of songs that solidify the advice we give on a daily basis. Another added bonus: The show notes this week are from Brian’s desk. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we look at the importance of saving early as well as evaluating your 401k and the investments inside it. Brian and Bo examine two articles: An Open Letter to Everyone Under 30, from The Motley Fool and How to Grow Your Savings, from Consumer Reports. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo take a detailed look at estate planning that will be helpful no matter what stage you are in financially. This topic affects everyone differently and the guys are here to give you some insight. From the basics to complex strategies, the Money-Guy covers the realm of estate planning in this show! Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo evaluate an alternative way to borrow and lend money in this week’s show. They get into the nitty gritty of peer to peer lending, as well as, the real estate research website Zillow. Brian shares his personal experiences with peer to peer lending using the Lending Club website. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo tackle the challenge of explaining how yield can affect the overall performance of a portfolio. They share historical numbers and some great quotes that reference the importance of making solid investments that keep dividend yield in mind. Learn more about your ad choices. Visit megaphone.fm/adchoices

With the recent news and market movements, Brian and Bo share with you their views about investing. They look into asset classes from Fixed Income to Emerging Markets, sharing a lot of great advice about allocating your portfolio going forward. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on The Money-Guy show, Brian and Bo run through a list of items that will help keep you on track throughout your financial marathon. They hit topics from estate planning to negotiating service rates. This is a great show to help establish future plans and to create a checklist to ensure you reach your financial goals. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo jump into the deep end of Bo’s first year of marriage and how his financial life has changed. Bo sees how far off his predictions were a year ago when he got married. Largest monthly expense: miscellaneous. What is there to cut back on when looking at your miscellaneous category? Everything is miscellaneous! Bo said, on average, he exceeded his miscellaneous budget by 110% per month (even with monthly adjustments)! Learn more about your ad choices. Visit megaphone.fm/adchoices

We intro with today’s show as a preface to our next show, which will recap Bo’s first year of marriage. From there Brian and Bo replay last year’s show that happened two weeks before Bo and Jenna’s wedding. Make sure not to miss our next show which will go into more depth of Bo’s initial year in marriage, while also hitting on the way that money can impact your marriage. After next week’s show we transition away from the topic of marriage and back to our Money-Guy array of topics. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Brian and Bo tackle the risk that you take by sitting on the investment sidelines. They have been fielding a number of questions over the past few months covering this very topic. The moral of this episode is to get started doing something sooner rather than later so that you do not miss out on what the market has to offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today’s show is more of a “life” podcast, giving you the motivation to move ahead and the challenge to believe in yourself. While on vacation last week, Brian read two very interesting books. Outliers by Malcolm Gladwell and How To Be Like Walt by Pat Williams. These books help us to dream big and believe that you can accomplish those dreams. An individual with passion and the right opportunities can truly change the world. Learn more about your ad choices. Visit megaphone.fm/adchoices

We are always happy to receive emails from our listeners, and, on this show, Brian shares two different emails, one from someone beginning their financial journey and one from someone who is far enough along in his journey to see the fruits of his labor. The lesson from these listeners is simple: don’t let another day go by without saving for your future. Why are you waiting? Every day that goes by makes it harder to reach your goals. Start today to save and make it a part of your life that is automatic. Every dollar that you put away will help you build an army of soldiers that will work for you in the future. Learn more about your ad choices. Visit megaphone.fm/adchoices

Downturns over the last 5 years have provided an incredible opportunity to learn core principles about investing. During crisis times, there is a lot of rich material about learning to become a good investor. 2008 was a monumentally historic year for the stock market, but not in a good way. If we could bottle up the feeling we had during the crisis, it would be truly priceless. Learn more about your ad choices. Visit megaphone.fm/adchoices

When investing in mutual funds, you normally choose between Class A, Class B or Class C. The main difference in these options is the fees that you will be charged and how they are charged. A good way to understand how these fees work is to look at the funds one by one and determine which plan is best for you financially. Learn more about your ad choices. Visit megaphone.fm/adchoices

Almost everyone has a story about a financial mistake that they made at some point in their lives. These mistakes are some of our best learning moments, and they teach us a lot about how to make good choices in the future. We hope that by sharing our past mistakes with you, we can help you avoid these same mistakes. Learn more about your ad choices. Visit megaphone.fm/adchoices

The basic key to a good retirement is to save money and earn a decent payback on your investments. However, there are other keys to working this plan, and they involve all stages of life from the early years into your retirement. Earning money and investing it wisely is not the only thing to consider. According to an article from CNN Money, there are 6 important secrets to having your dream retirement. Learn more about your ad choices. Visit megaphone.fm/adchoices

Although life insurance may be a morbid discussion, it can be a very important piece of your financial plan. Rates can be very affordable, even for people in their 40’s and 50’s. We believe that it is important to educate yourself by doing your homework and getting a good understanding of what you are buying. Remember that your family is dependent on your income, and it will make such a difference in the lives of those you may leave behind. Learn more about your ad choices. Visit megaphone.fm/adchoices

The look and feel of the personal financial planner is changing. No longer is an office surrounded by mahogany and crown moldings the only choice. Some of today’s financial planners are much more laid back and casual, but maintain the same level of expertise and financial knowledge. The internet offers many choices for a planner as well, and it’s up to you to decide based on your needs and goals what will work best for you. Learn more about your ad choices. Visit megaphone.fm/adchoices

As a lead-off show for 2013, we decided to answer some email questions from our listeners. We love receiving your email questions and always enjoy when we get to share them on the show. Learn more about your ad choices. Visit megaphone.fm/adchoices

Now that Christmas is over, remember that it is not about the gift itself but about the thought that went into it. With our New Year's resolutions right around the corner, we decided to share some Money-Guy insights with our listeners. Sometimes age changes how we look at life and financial planning. It’s so important to enjoy the smaller things in life. Here are some keys we feel are important to remember. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Christmas season is quickly approaching, and, in our office, the Michael Buble holiday Pandora channel has been playing nonstop (we are using the wireless speaker purchased on Black Friday) to help us get ready for the holidays... Learn more about your ad choices. Visit megaphone.fm/adchoices

Hopefully everyone had a great Thanksgiving. We certainly did and, as expected, ate way more that we should have! With the end of the year quickly approaching, we thought we would share some planning strategies you may want to begin thinking about as we close down 2012. From investment planning to tax planning, the end of the year is always a great time to put the ‘finishing touches’ on making sure your financial house is in order. Learn more about your ad choices. Visit megaphone.fm/adchoices

Now that the Presidential election of 2012 is behind us, what will the future hold? Democrats and Republicans are currently deeply divided. With the victory for the President, our hopes are that he will use his re-election to help the country heal and find compromise. Learn more about your ad choices. Visit megaphone.fm/adchoices

For many parents out there, one of the biggest concerns is providing their children with a college education. We have done shows in the past about the benefits of 529 savings plans and, in today's show, we revisit this topic and update you guys on the best plans of 2012. Learn more about your ad choices. Visit megaphone.fm/adchoices

It is a great thing in life when you do good work for people, and good things turn around and happen to you. We started this podcast because we have a passion to share free advice for the "do-it-yourselfers" out there who need straight-forward, honest advice. In turn, we have not only transformed many of those listeners into clients, but we have also been fortunate enough to connect with others in the podcast and blogging community. In today's show, we share some of the thoughts and research from members of the blogging world who we truly value having a supportive relationship with. Learn more about your ad choices. Visit megaphone.fm/adchoices