Money Tree Investing

What are your biggest concerns about retirement? Are you concerned about retiring well? Are you worried about having enough money at retirement?Are you stressed about retiring period? You are not alone. Most Americans who are close to retiring are concerned about what the next step is. It makes sense right? How many people have retired before... So how would you know what to do. This week we interview retirement coach Jack Phelps about how to retire well. For more information, visit the show notes at https://moneytreepodcast.com/270

We love talking to Wall Street Insiders. This week we have an insider from the Federal Reserve Bank of Dallas. We dig into why the Federal Reserve monetary policy is bad for America, but more importantly we discuss what the actual problem is... And its not what you think. We cover many of the problem the US Federal Reserve faces today as well as down the road. For more information, visit the show notes at https://moneytreepodcast.com/269

Space... The final frontier. A universe of endless possibilities. There is a emerging trend of investing in the space economy. This week we discuss whether this is an early chance to shoot the moon on some space investments or whether these investments will fizzle out. We interview Andrew Chanin about how investors can participate in this sector. For more information, visit the show notes at https://moneytreepodcast.com/268

Are you wondering how the Federal Reserve interest rates impact your life? Probably not... But you should. Interest rates impact everything that you do related to money. This week we are discussing how the Federal Reserve's actions effect interest rates, inflation and deflation. We discuss why they manipulate interest rates, how this can effect your money, and what the Federal Reserve fears most (hint, its not ghosts). For more information, visit the show notes at https://moneytreepodcast.com/267

What is more awkward that talking to your parents about money? If you are like me, not much. Its a close call between talking to them about money or about the birds and the bees. This week we discuss how to talk to your parents about money with Cameron Huddleston. She talks about why this is such an important topic and how you can make the conversation a lot less weird. For more information, visit the show notes at https://moneytreepodcast.com/266

Can you make a living by blogging? Logan Allec blogged his way to financial independence in 1 year. Listen to his story and other ways blogging can create another stream of income or be that side-hustle to help you make more and invest more. For more information, visit the show notes at https://moneytreepodcast.com/265

Want to invest to make the world a better place? Want to invest in companies that are changing the world? Interested in ESG Investing? You have come to the right place. This week we discuss socially responsible investing, ESG Investing, Impact Investing, and the pros and cons of trying to change the world with your investing dollars. We also discuss what people get right and what they get wrong about socially responsible investing. For more information, visit the show notes at https://moneytreepodcast.com/264

Live from Bankok and Live from Washington DC... We discuss our worst investments ever. Want to learn from the mistakes of others? Good. It is a lot smarter than making them yourselves. This week we discuss some Titanic investing failures and the top 6 mistakes to avoid at all costs. For more information, visit the show notes at https://moneytreepodcast.com/263

Are you wondering if you should invest in Cannabis? No, not for personal reflection or chilling out. This week we discuss the enormous potential for the new trend of investing in pot stocks. We interview Kip Meadows about his views on the cannabis industry and we have some interesting guests who have experimented with some very creative ways to invest in pot stocks. You are going to be s"toked" that you listened to our guests and panelists discuss how you can take part in this industry. For more information, visit the show notes at http://moneytreepodcast.com/262

Want to know how much you are going to need in order to retire? You may be surprised at the answer... and its not what you think. This week we discuss retirement distribution strategies in our interview with Brandon Renfro. Brandon is capital in the national guard with a PhD in finance as well as a professor of finance. We discuss the different methods you should consider if you are close to retirement or want to plan your retirement before it happens to you. For more information, visit the show notes at https://moneytreepodcast.com/261

Scott is a strategic innovator who knows the ins and outs of what feels like an overwhelming world of healthcare and insurance. Today, he shares his knowledge to help educate and empower us about how health care costs are going to impact our retirement. For more information, visit the show notes at https://moneytreepodcast.com/260

What you don't know about your employee benefits could be costing you $100,000 or more. We discuss the important of employee benefits with Natalie Pine. She tells us how some obscure parts of the tax code can save you a lot of money in taxes and why if you don't talk to your employer about a "total compensation statement", you could be leaving a lot of money on the table. Do you have a total compensation statement for your job? For more information, visit the show notes at https://moneytreepodcast.com/importance-of-employee-benefits-and-why-you-need-to-look-beyond-your-salary

We have a special question and answer show this week with Shane Dillon as our guest to discuss financial independence. Shane wrote a finance book while biking across Europe and lives a lifestyle most people dream of in an unconventional way. For more information, visit the show notes at https://moneytreepodcast.com/258

Do you have massive student loans? Do your loans make you anxious? We interview Travis Hornsby at Student Loan Planner about some of his alternative strategies and even some research that surprised him on how to quickly pay down student loan debt. Travis had extremely complex repayment decisions for him and his wife who is a physician. If you are burdened by student loans, you will not want to miss this episode. For more information, visit the show notes at https://moneytreepodcast.com/257

Multi-millionaire and stock options expert, Jeff Bishop, talks about how he makes over 100% gains by investing in options to boost his growth. Not familiar with options? You are not alone. Options are not for everyone, but he explains his philosophy and why he mixes his aggressive options strategies with conservative strategies to manage risk. Learn from an experienced professional how he grows his wealth. For more information, visit the show notes at https://moneytreepodcast.com/256

Learn more about the 6 Pillars of building wealth from Michael Zhuang: Wealth preservation, tax mitigation, asset protection, and more. For more information, visit the show notes at https://moneytreepodcast.com/255

Are you looking to invest in real estate? Sounds simple right? There are countless real estate courses out there telling you how to start investing in real estate. Then why are there not more real estate investors? In this episode, we interview Steven Pesavento about the real estate investor mindset. Steven flipped 150 houses in his first two years as a real estate investor, when most real estate investors struggle with one. It takes more than just money to be a successful real estate investor. We discuss the importance of having a solid investor mindset. Do you have limiting beliefs? Have you burned your boats? Who is your mentor? The importance of having the right team Why you are not succeeding yet, and more… For more information, visit the show notes at https://moneytreepodcast.com/254

How do you deal with losing someone you love? Jennifer Luzzatto joins us to talk about dealing with personal and financial loss. For more information, visit the show notes at https://moneytreepodcast.com/253

This former school teacher went from a -$250,000 negative net worth to a net worth of over 50 million dollars by day trading stocks. This week we interview Jason Bond about how he turned his financial life around by trading stocks and teaching others his secrets. Jason talks about his mentors, his favorite investing styles, what he thinks about penny stocks and more. For more information, visit the show notes at https://moneytreepodcast.com/252

Back by popular demand, we are answering your questions. Bill wants to know how to begin investing in crypto-currencies. Will is wondering if a stock market crash is coming? Anna is practically broke. How does she begin investing? ...and more. For more information, visit the show notes at http://moneytreepodcast.com/251

Doug Casey is a world-class thinker, speculator, traveler, and in my opinion the most interesting guy in the world. Think about it. Who do you know who has had dinner with third-world dictators, has tried to take a country public… and almost succeeded, written multiple best-selling books, made and lost millions in his speculations, and he is still looking to try new things. This week we learn about Doug Casey. We discuss some of the secrets to his success, some of the most interesting places to invest at a time when everything is overpriced, how to become an international man, and why dictators are more interesting than anybody you know. For more information, visit the show notes at https://moneytreepodcast.com//250

Veteran portfolio manager Barbara Friedberg is also an author, fintech consultant, and former university finance instructor. She joins us today to talk about roboadvising. Then, Tim Picciott and Andy Wang join Kirk and Miranda on the panel to dig deeper into roboinvesting. For more information, visit the show notes at http://moneytreepodcast.com/249

Have you considered investing in real estate for extra income, as a career, or a hobby? Think again… This week we have Dominic Kirchner on our show to talk about flipping real estate for profit. Dominic has been successfully investing in real estate, flipping and rehabbing real estate for profit for over 17 years. This past year he did 50 fix and flips and he continues to grow each year. Dominic talks about how to find great deals... The importance of having a good team… Why you need to stay in your lane… the importance of having a good exit strategy... and most importantly he talks about the current conditions of the real estate market and where he thinks it will go from here. If you are a real estate investor, you don't want to miss this week's show. http://moneytreepodcast.com/248

Author, Wealth Expert, and speaker Belinda Rosenblum joins us to talk about women and money. For more details and information, visit the show notes at https://moneytreepodcast.com/247

Victor Sperandeo is to Wall Street what Warren Buffett is to Main St. Unless you are a student of the market you may have never heard of him, but you are in for a treat today. Some of the topics we cover in today's episode: How have HFT and technology effected your trading? Risk Management Indexes How do you manage risk with your trades? For more information, visit the show notes at https://moneytreepodcast.com/246

You should love your debt. That's the message from Leslie H. Tayne, Esq., a debt resolution attorney. She explains some of the technical issues that exists with debt, but also dives deep into the mindset of how debt can impact more than just your finances. You will also learn about the signs for when you might consider contacting a debt resolution company or service in today's episode. For more information, visit the show notes at https://moneytreepodcast.com/245

In this bonus episode, our panel discusses the previous episode's interview about annuities with Stan The Annuity Man Haithcock. To listen to the Stan Haitcock interview, go to https://moneytreepodcast.com/243 Kristin Shea from Highland Capital Brokerage joins Kirk Chisholm, Miranda Marquit, and Tim Picciott for this in-depth debate. For more information about today's episode, visit the show notes at https://moneytreepodcast.com/stan-the-annuity-man-hates-annuities-find-out-why

You have likely heard, "Annuities are not bought, they're sold". Stan "the annuity man" Haithcock knows all about annuities, and knows why there is so much negativity around this financial product. Variable, fixed, immediate, indexed: It can all be confusing to a person who doesn't know what annuities are. "If you are looking for market returns, you should never ever ever buy any type of annuity. If you are looking for income or principle preservation, or maybe some long term care issues, then an annuity may fit." Stan asks everyone to answer these two questions: 1. What do you want the money to contractually do? 2. When do you want those contractual guarantees to start? From this point, you can determine if you actually need an annuity - and what type. For more information, visit the show notes at https://moneytreepodcast.com/243

Lane Kawaoka recently quit his job because he's built an income from real estate investments. He shares the journey to owning more than 2,100 units across the United States while living in Hawaii. Lane's mission is to help hard-working professionals out of the rat race by reverse-engineering the wealth building strategies of the rich. You can hear some of those strategies on his podcast, Smart Passive Cash Flow. Then our panel discusses the various ways to invest in real estate, including "live-in flipping", crowdfunding, tax liens, lease options, and self-directed IRAs. For more information, visit the show notes at https://moneytreepodcast.com/242

How do you bring up the concept of money with your kids? John Lanza joins us to talk about age-appropriate conversations about money, allowance, and how important it is to have your kids learn how to save up for a goal at an early age. Then the panel discusses kids and investing. For more information, visit the show notes at https://moneytreepodcast.com/241

Are you getting all the tax benefits possible? How about getting benefits after the taxable event? Matt Chancey joins us to talk about Economic Opportunity Zones. What is the time value of money? Can you benefit from a stepped-up basis after holding an asset for 10 years? Listen to the show for more. For the show notes at https://moneytreepodcast.com/240

Brynne has one child with special needs. How does this change the way she does her financial planning and investing? In general, her plan is to "save everything". But even doing that, Brynne says she does not "max out my retirement accounts to a point where I feel that an ABLE account or a Special Needs Trust is necessary or necessarily financially viable." ABLE stands for "Achieving a Better Life Experience Act", which are tax-advantaged savings accounts for individuals with disabilities and their families Listen in as Brynne explains how ABLE accounts work, how someone would benefit from having an ABLE account, and how she's working to live a beautiful life within the choices and parameters available to her. For more information, visit the show notes at http://moneytreepodcast.com/239

Marco began investing in real estate at the age of 18 with a single townhouse that he bought, renovated, leased, and managed himself. He continued building his real estate portfolio over the years up to 84 units with additional single-family homes, duplexes, and small apartments. Marco is an expert in the ins and outs of real estate investing and has been helping investors create wealth and passive income for the past 15 years through Norada Real Estate. For more information, visit the show notes at http://moneytreepodcast.com/238

What is the difference between a traditional IRA and a self-directed IRA? Kirk Chisholm of Innovative Wealth, and a regular panelist here on the Money Tree Investing Podcast, says "There's no technical difference. It's more of a marketing language that people use". "The self-directed IRA came about years ago as a way to distinguish between an IRA that's investing outside of the stock market versus an IRA that's investing in more traditional investments." Kirk should know. Self-directed IRAs is his specialty. Listen as Joseph Hogue learns more about these interesting and unique investment options and then joins our panel to discuss the "red lights" of what to look out for. For more information, visit the show notes at http://moneytreepodcast.com/237

FinTech is making an impact in the world if investing. Dr. Sean Stein Smith joins us to share what he says are the three major trends in accounting and finance: 1. Blockchain and cryptocurrencies 2. RPA: Robotic Process Automation 3. Entrepreneurial Angle Then our panel gets together to discuss how these trends may effect their work in professional services. For more information, visit the show notes at http://moneytreepodcast.com/236

Traditional thinking, as described by the industry and promoted by media, is to save in retirement accounts and live off of Social Security in your golden years. Jack Bosch describes this as "The Pile of Money Theory": Work until you are age 65, put 10 percent of your income to the side, and by retirement you will have saved up enough to live without running out of cash. Jack proposes the "Cash Flow for Life" approach: Money that comes in from the investments you have built such as: • Dividend stocks • Royalty payments • Business investments • Real estate Listen as Jack shares his story out of debt, the strategies they used to generate income, and ultimately purchase assets that provide him Cash Flow for Life. For more information, visit the show notes at http://moneytreepodcast.com/235

Wouldn't it be great if you could trade for a living? Roger Dowd traded for a living and shares his experiences, and warnings, for people who want to follow this path. Technology has helped redefine the definition of a trader. Roger Dowd says, "Most people who view themselves as traders, if they are doing it right they are actually investors." He discusses how AI is coming into the space and what we could see in the coming future for investors. Then Miranda joins Kirk in our panel discussion. Kirk describes how Investing for a living is a lot like job: You wake up, assess the markets, put together your buy and sell orders for the day, set limits, etc. For more information, visit the show notes at http://moneytreepodcast.com/234

Kelly Coughlin from EverydayCPA.com helps us understand investing from an owner/operator aspect, plus shares the 3 Stages when starting a successful business. For more information, visit the show notes at http://moneytreepodcast.com/how-to-invest-in-a-business-with-kelly-coughlin

When property taxes aren't paid, tax liens can be levied against the property. The liens are then sold to investors. If the liens are not paid within a certain amount of time, the investor can push to have foreclosure initiated, thus collecting at least the interest and principal of the original investment. Our guest, Melanie Finnegan of Tax Lien Wealth Solutions, explains there is a difference between a tax lien and a tax deed, and that there are two types of markets: Primary and secondary markets. To learn more, listen to the interview and stick around for the panel discussion where we learn how tax liens fit into an investment portfolio. For more information, visit the show notes at http://moneytreepodcast.com/232

The mailbag is full again, so we spent time answering your questions! Justin asks: Is GM justified with cutting it's workforce when spending more than $10M buying back shares? Tyler read that buying small cap funds in a taxable brokerage account isn't wise because of capital gains. He has been buying small cap ETFs in a regular brokerage account when earning overtime. Should he be concerned? CJ has heard that HSAs are the holy grail of retirement investing. They already have great insurance through his wife's government job. Does it make sense to open a high-deductible plan just for the benefit of being able to max out an HSA for retirement purposes? Antonio understands the benefits of holding investments for the long term but wants to know how to determine the right time to sell. For more information, visit the show notes at http://moneytreepodcast.com/231

Joseph Hogue and Kirk Chisholm join us again this week as we discuss P2P Lending. P2P lending, more specifically defined as Peer-to-Peer lending, replaces the position of a traditional bank when it comes to taking out a loan. P2P sites like Lending Tree and Kiva also matches borrowers to individuals who want to lend out money and earn interest. Is P2P Lending right for you? What alternatives are there for individuals who want to put their money to work but mitigate some of the risk? Find out in today's episode. For more information, visit the show notes at http://moneytreepodcast.com/230

Would you invest in someone else's home? Using blockchain technology, you could own a portion of someone's home. Or as a home owner, you could sell some of your equity to get some much needed cash without having to pay interest. Matthew Sullivan from QuantmRE explains how this works and what it can do to diversify your portfolio in a new way. For more information, visit the show notes at http://moneytreepodcast.com/229

Bitcoin, Etherium, Litecoin, Monero…there are dozens of cryptocurrencies. Barbara Longue says thousands are still to come. Are cryptocurrencies truly an investable asset? Miranda and Doug get to the bottom of this in today's episode. What you'll learn today: Why is blockchain technology important What is cryptocurrency What's the difference between Altcoin and Bitcoin For more information, visit the show notes at http://moneytreepodcast.com/228

You wrote in, and we answered. Here are some of the topics covered in today's Listener Questions episode: Beating the DOW strategy, also known as "The Dogs of the Dow". Taking money out of retirement savings to pay off debt. Would it have been better to invest rather than pay off the student loan debt after college? And a question about how to handle a $70,000 inheritance. For more information, visit the show notes at http://moneytreepodcast.com/227

Taylor and his wife are pursuing Financial Independence by saving 40 percent of their income every year. As they got raises and increased their take-home pay, they kept expenses low so they could increase their savings to 70 percent. Learn some of the frugal habits they continue to use and about picking individual stocks. For more information, visit the show notes at http://moneytreepodcast.com/frugal-your-way-to-financial-independence-with-taylor-the-fi-guy

Deacon and his wife combined finances shortly after marriage – only to find $52,000 in consumer debt was weighing them down. They made the choice – and a plan – to pay down that debt in 18 month. Moving past debt freedom, Deacon began focusing on complete financial independence. In his book, "You Can Retire Early!: Everything You Need to Achieve Financial Independence When You Want It" he describes the three ways to financial independence: Real estate Stock market Entrepreneurship Listen in as Deacon shares each way and how it can help you achieve financial independence. For more information, visit the show notes at http://moneytreepodcast.com/3-paths-financial-independence-deacon-hayes

Raw land. Is it the undiscovered country of the investing world? Mark Podolsky shares his experience buying, selling, and leasing raw land as an investment. Unlike buying traditional real estate, purchasing raw land doesn't require a lot of money. Mark outlines a process of looking for lots with unpaid property taxes, purchasing the lots, and then offering them to people who live along the plot line. The key to a successful raw land purchase is to do the research and due-diligence needed to make sure you have a clear title or other obstructions to a hassle-free transaction. After Mark's interview, the panel discusses other thoughts behind investing in raw land - and the pitfalls you need to be aware of. For more information, visit the show notes at http://moneytreepodcast.com/224

Shannon Compton Game went through a divorce. Today she shares things she learned that helped get through the process of separating finances in a way that doesn't drain the bank. For more information, visit the show notes at http://moneytreepodcast.com/223

Investing in equities can help you build wealth, but creating a business and finding other streams of income can help accelerate building your net worth. Johnny Gabriele knows this all too well. He thought it would be fun to find a cat-shaped cake mold for his girlfriend. After looking everywhere and finding nothing, he took the opportunity to create his own and started selling them online. A new small business was born. Johnny shares the steps to creating a business, and emphasizes that they should be followed in a precise order. Listen to the steps and our panel discuss how they built their businesses. For more information, visit the show notes at http://moneytreepodcast.com/222

Why is knowing about intellectual property important for normal investors? A patent gives you a specific right in a given country. It give the right of exclusivity to sell the item or device, build the device, or import it into the country. A great name, they offer something exclusive, or a company that works hard and offers an excellent product or service. A patent can be placed on any one of these things to bring something unique to an investor. Dr. Daniel Goldstein also explains the complications of patents in other countries, how somebody gets a patent, and the difference between trade secret and patent rights. For more information, visit the show notes at http://moneytreepodcast.com/221