The Financial Quarterback®: Your Game Plan to Protect Your Money and Retirement for Business and Investing

How can you transform financial knowledge into actionable strategies? In this episode, Josh interviews Paula Pant, acclaimed host of the Afford Anything podcast and a seasoned real estate investor. Paula shares her journey from newspaper reporter to independent journalist and real estate mogul, offering deep insights into behavioral finance and practical investment tips. They dive into the nuances of the current real estate market, with Paula emphasizing the potential of residential real estate amidst a housing shortage while cautioning against commercial real estate investments. The discussion expands to the impact of cognitive biases like recency bias and availability heuristic on financial decisions, and how to build a diversified portfolio tailored to individual goals and risk tolerance. Paula also shares her passion for travel, discussing affordable family-friendly destinations and the benefits of immersing children in different cultures. The conversation touches on house hacking, portfolio construction, and the importance of optimizing finances for personal and family priorities. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

How can you apply the financial strategies of pro athletes to your own financial game plan? In this episode, Josh dives into the thrilling intersection of professional sports finance and personal financial management. He explores how high-stakes decisions in the sports world can inspire you to bolster your own financial strategy. Josh kicks off by analyzing the blockbuster contracts of Fernando Tatis Jr. and Shohei Ohtani, and delving into the negotiation tactics used by legends like Derek Jeter. He discusses the financial missteps of Allen Iverson and the business savvy of athletes like LeBron James and Magic Johnson, providing insights on managing sudden wealth and strategic planning. Josh highlights the importance of planning for long-term sustainability beyond peak earning years, emphasizing education and diversification. He also touches on Shaquille O'Neal's investment strategy and how athletes manage their wealth post-career. Then in "Extra Points," Josh addresses the rising popularity of pickleball, its associated risks amongst seniors, and the importance of balancing physical health with financial planning. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

How can you make your retirement plan truly bulletproof? In this episode of The Financial Quarterback, Josh interviews retirement planning expert David Blanchett. They start by discussing the importance of understanding longevity risk and how annuities can be valuable tools to provide lifetime income. They break down the different types of annuities, including MIGAs, SPIAs, and fixed index options, and emphasize the need to work with knowledgeable advisors to make informed decisions. The conversation then moves to the four percent rule, debating its viability and highlighting the importance of personalized retirement income plans that account for individual circumstances. The two also tackles the significant impact of healthcare expenses on retirement, exploring strategies like long-term care insurance and Medicaid trusts to mitigate these costs. David shares insights on constructing diversified retirement portfolios, balancing equities and bonds, and making strategic portfolio adjustments to navigate market volatility. Josh and David also explore behavioral finance and how investor behavior can impact financial outcomes. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

How can you protect yourself from the ever-evolving world of financial scams? In this gripping episode, Josh tackles the alarming surge in financial fraud that cost Americans a record $10 billion last year. Josh delves into the mechanics of modern scams, offering historical insights and contemporary examples to arm you against becoming a victim. Starting with the latest FTC statistics, Josh highlights the rising tide of financial deception and the increasingly cunning tactics used by scammers. He discusses the sinister world of pig butchering scams, which lure victims with promises of financial success before exploiting them for substantial sums. Josh also explores the threat of deepfake technology, where scammers digitally mimic voices and images to defraud unsuspecting individuals. In the Extra Points segment, Josh is joined by Terrence Yang of Swan Bitcoin. Terrence sheds light on the vulnerabilities in cryptocurrency investments and the troubling use of NFTs as vehicles for scams. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

How does a pro baseball player handle finances on and off the field? In this episode of The Financial Quarterback, Josh sits down with former MLB player and "Foul Territory" co-host Erik Kratz to discuss the intersection of baseball and finance. Erik shares his inspiring journey from being cut from his high school team to spending over a decade in the big leagues.He talks about the financial challenges of playing in the minor leagues and the strategic decisions required to manage wealth as a professional athlete. Then, Josh and Erik dive into the economic realities of travel sports for young athletes and their families, emphasizing the importance of financial literacy. The two also explore the financial struggles and successes of MLB players, discussing deferred contracts and the complexities of managing large sums of money. Erik shares anecdotes about balancing youth sports, family time, and financial wisdom, and they debate the viability of investment choices like real estate versus luxury cars. The episode also touches on the controversy surrounding Shohei Ohtani's alleged gambling involvement and the broader implications for athletes' financial decisions. Erik reflects on the power of compounding in long-term investments and the significance of financial stability beyond just wealth. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

How can you optimize your investments to match your life stage? In this episode, Josh Jalinski dives into the crucial topic of asset allocation and its role in achieving financial stability. Josh compares the stages of a professional athlete's career to an individual's investment journey, highlighting the importance of transitioning from high-risk investments like crypto and stocks to more balanced portfolios. He discusses the necessity of evolving investment strategies with age, emphasizing how millennials and other generations can adapt their approaches to reach pivotal financial milestones. Josh also touches on the importance of estate planning in securing and transferring wealth according to one's wishes. And in Extra Points , a caller asks about the viability of the traditional 60/40 investment strategy, sparking a discussion on whether this classic approach still holds up in today's market. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

How can rising tax rates and changes in Social Security impact your retirement planning? In this episode, Josh is joined by Bob Carlson, editor of Retirement Watch and a seasoned expert in retirement finance. They tackle the critical issues facing retirees today, from navigating potential tax hikes and understanding Medicare changes to strategic real estate investments and the expanding role of digital currencies. Josh and Bob discuss the implications of rising tax rates and how individuals can adapt their long-term tax strategies to safeguard their financial future. They dive into the shifting landscape of Medicare, particularly Medicare Advantage plans, and offer advice on evaluating these plans during open enrollment periods. The conversation also covers the importance of realistic longevity projections in retirement planning and the impact this has on Social Security and investment decisions. Bob shares his insights on the current state of the real estate market, highlighting different asset class trends and the transformation of commercial properties into residential spaces. They also explore the world of gold investments and the implications of central bank digital currencies on personal finance. Sign up for Bob's Newsletter here Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

What’s the secret to ensuring your assets, like a prized guitar collection, jams on -even after you’re gone? Josh helps answer this question by breaking down the essentials of estate planning, covering everything from legal documents to protecting personal treasures. Josh begins with the fundamentals, explaining why you need airtight legal documents such as wills, living wills, powers of attorney, and healthcare directives. He emphasizes the importance of professional assistance to craft these documents correctly, which ensures your wishes are clearly defined and legally protected. The conversation then shifts to the fun part: incorporating unique assets into your estate plan. Josh shares insights on how to handle valuable personal items, using an example from our production team's own cherished guitar collection. Josh also discusses the benefits of using trusts to bypass probate and keep your estate affairs private, providing a smoother transition for your beneficiaries. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

How do Federal Reserve policies and market trends shape your investment strategy? In this episode, Josh is joined by Andrew Horowitz, seasoned financial analyst and host of "The Disciplined Investor" and the "DHUnplugged" podcasts. Together, they navigate through the complexities of inflation, the Federal Reserve's role in economic stability, Bitcoin's place in modern portfolios, and the crucial concept of diversification. Josh and Andrew start by examining how the Federal Reserve's actions influence investor behavior and market conditions. They discuss the direct impact of interest rate changes on inflation and investment strategies, emphasizing the need for investors to understand these relationships to make informed decisions. The conversation then shifts to Bitcoin, exploring its dual role as both a speculative investment and a potential hedge against inflation. The two emphasize the importance of diversification in managing risks and enhancing returns. Andrew shares his insights on integrating various asset classes into a portfolio to achieve a balanced investment approach. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

How do financial institutions shape your financial choices? In this episode Josh unveils the four core principles that govern the operation of banks, insurance companies, and investment firms. He explains how these rules impact your personal finance, from routine contributions to the management and distribution of funds. He also defines the range of decision-making styles in personal finance, from minimal planning to full-scale proactive financial quarterbacking. Then in Extra Points, Josh dives into an intriguing development in the commodity market—Costco's recent venture into selling gold bars. Can this savvy investment add a gleam to your financial strategy? Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

What are the keys to unlocking the right insurance coverage for your needs? In this episode of The Financial Quarterback, Josh chats with Joe Saul-Sehy, co-host of the "Stacking Benjamins" podcast, about the best strategies for navigating the often complex world of insurance, including car, home, life, and disability coverage. Josh and Joe dive into tips on how to effectively manage risk through insurance and share critical tips for choosing policies that offer substantial protection—focusing on significant risks such as disability and the necessity of long-term care. They break down the specifics of various insurance types, discuss the shortcomings of accidental death and dismemberment insurance, and highlight the strategic benefits of combining long-term care with life insurance through riders. The discussion also covers the importance of using financial tools for better personal finance management and how smart insurance choices are integral to maintaining financial stability. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

Can ancient wisdom unlock modern financial success? In this episode, Josh explores the intersection of ancient biblical commandments and contemporary financial principles during the holy season of Passover and Resurrection Sunday. He discusses how themes like integrity, hard work, and contentment drawn from the Ten Commandments can fundamentally guide sound financial planning and decision-making. Jalinski dives into the practical applications of these commandments, illustrating how avoiding debt, idolizing wealth, and respecting societal structures play pivotal roles in achieving financial stability and growth. He also highlights the importance of balancing work with rest, maintaining family ties, and conducting honest financial dealings to foster both economic well-being and a life of ethical balance. And in Extra Points, Josh presents a tailored set of "Ten Commandments of Financial Planning," offering a framework that combines these timeless principles with today's financial challenges. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

How do you stay one step ahead of financial scammers? In this episode of The Financial Quarterback, Josh is joined by Sean Pyles of NerdWallet's Smart Money Podcast, tackles the escalating challenge of financial scams. They discuss the sophisticated tactics scammers use and share essential tips for safeguarding your investments. Together, they examine why younger generations are particularly susceptible to scams and highlight effective strategies for protection, such as multifactor authentication and unique password practices. The conversation also ventures into practical travel planning using credit card benefits and addresses the pressures young people face from inflation and soaring housing costs. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

What hidden forces are silently chipping away at your financial health? In this episode, Josh delves into the silent destroyers of wealth such as inflation, taxation, market fluctuations, and unpredictable life events. Using the vivid analogy of how mold can spoil fresh oranges, Jalinski explains how these factors can similarly erode your financial stability without warning. Jalinski introduces "macro money management" as a strategy to combat these risks. This approach emphasizes viewing financial planning through a wider lens, taking into account the dynamic and unpredictable nature of financial markets and personal circumstances. He explains the use of a game board and rule book, managed by a "macro manager," to create a financial strategy that operates more like an orchestra than a solo act, ensuring all parts work in harmony. Josh underscores the importance of collaboration among various financial specialists—tax, legal, and investment advisors—to craft a robust and cohesive financial plan that may withstand both expected and unexpected challenges. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

Is World War III already unfolding in the economic arena? In this episode of The Financial Quarterback, Josh Jalinski speaks with Gerald Celente, founder of the Trends Research Institute, to explore the economic undercurrents that suggest a global conflict has begun, not with arms but with financial instruments. Celente discusses the intersection of rising digital currency adoption, the shift toward a cashless society, and the brewing storm in commercial real estate that could lead to a significant banking crisis. They delve into the potential repercussions of these shifts, including a possible stock market crash driven by commercial real estate failures. Celente emphasizes the strategic roles of gold and Bitcoin as crucial safe havens during such economic turbulence. The conversation also touches on broader societal issues, highlighting the need for a renewed focus on spirituality and meaningful purpose as antidotes to the turmoil. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

Air date: 04-06-2024 What does the shifting landscape of unemployment rates, long-term care insurance, and market trends mean for your financial future? In this live edition of The Financial Quarterback, Josh tackles these topics head-on, alongside discussions on the retirement crisis, DEI funds, and the buzz around Tesla's potential robo-taxi release. Listeners call in with their pressing financial questions, from stocks and bonds to annuities and mutual funds. Key discussions include the current 3.8% unemployment rate signaling job market health, challenges in acquiring long-term care insurance for those with pre-existing conditions, and the scrutiny DEI funds face over potential political biases. Josh offers insights into preparing for retirement, the benefits of Roth IRA, and strategies for early and informed financial planning. The episode also dives into practical advice on planning for long-term care, weighing the options between self-insuring, traditional insurance, and innovative products like annuities or life insurance with long-term care riders. Amidst a broad range of financial questions, callers bring personal concerns to the forefront, from managing dementia care costs to navigating the complexities of estate planning and trusts. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

How can you elevate your financial game to the next level? Join Josh as he tackles the remaining rules 6-9 of the financial game, focusing on advanced strategies for wealth accumulation and management. This episode covers the importance of being both a lender and an owner, the value of hard assets, and the necessity of maintaining balance and regular monitoring of your financial plan. Josh dives deep into the concept of "good debt" versus "bad debt," explaining how properly structured debt can serve as a powerful tool for building wealth, while also cautioning against the pitfalls of high-interest liabilities. He wraps up with a comprehensive review of the nine rules of wealth, providing listeners with a roadmap to financial success that includes diversification, strategic tax planning, and leveraging multiple streams of income. In extra points, Josh shines a spotlight on the phenomenon of high-income earners living paycheck to paycheck, breaking down the factors that contribute to this paradox and offering advice for breaking the cycle. Josh shares insights on the impact of living in high-cost areas and the importance of frugality and mindful spending as keys to achieving financial freedom. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

In this episode, Josh sits down with Dalene Higgins, a financial coach for Gen Xers and the host of the Wealth After 40 podcast. With a background in accounting and 32 years of experience in law enforcement, Dalene retired at the age of 50 and now helps others in their financial journey. She is passionate about helping Gen Xers ditch debt, save for retirement, and make their dreams a reality. Josh and Dalene uncover a range of topics, including the challenges and strategies specific to Gen Xers in financial planning, such as the debt snowball and avalanche methods for debt repayment, creating a simple yet effective budget, and the considerations involved in balancing mortgage payments with retirement savings. They also explore the practical aspects of financial wellness, including managing cash flow with a three-bucket system, the importance of aligning spending with values, and methods for finding extra money in the budget. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

How do you turn financial uncertainty into a winning strategy? Join Josh this week as he unpacks his "Rules of the Financial Game," focusing on the first five rules. Josh explores foundational concepts for understanding your financial position, discusses the pros and cons of robo-advisors versus personalized financial advice, and introduces approaches for asset optimization. He also unpacks strategies like the "coordination review" and "money strategy design," offering insights on how to approach asset and liability management. Later, Josh answers a listener's question about CD penalties and rate changes. Make sure to come back next week for Part 2, where Josh Jalinski will reveal the final four rules of the game. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

In this episode, Josh interviews Kathe Kline, the host of the podcast "Rock Your Retirement." Kathe shares her origin story and how she transitioned from financial advisor to podcast host. She discusses the importance of planning for retirement beyond just finances and highlights the need to address aspects such as health, purpose, and relationships. The two discuss Medicare and the challenges retirees face in understanding and choosing the right coverage. Kathe emphasizes the significance of finding one's purpose in retirement and the benefits of volunteering and building social connections. The episode finishes off with a discussion on the impact of spirituality and the role it plays in retirement happiness. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Is Social Security setting us up for retirement success or failure? Josh looks in to this by challenging Dave Ramsey's recent criticism of Social Security as an "epic failure." He discusses the pros and cons of taking Social Security benefits at age 62 and investing them instead. Josh emphasizes the importance of personalized financial advice and optimizing Social Security based on individual circumstances. Then, Josh brings on his production team, aka "The Island of Misfit Toys," to share their Easter and Passover traditions. For more information on Social Security benefits, check out https://maximizemysocialsecurity.com/ Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

In this episode, Josh sits down with Lobo Tiggre, a seasoned financial advisor and expert in the resource sector, to dissect the current state of the stock market, the impact of government policies on investors, and the looming risks of inflation. Lobo sheds light on the gold and uranium markets, outlining both the opportunities and challenges that lie ahead for investors. He also delves into the concept of a hard landing and its potential repercussions on the economy. Don't miss out on this insightful episode packed with expert advice for weathering the financial storm. Subscribe to the Financial Quarterback podcast for more invaluable insights and strategies from leading financial experts.

What impact could abolishing your 401K have on your retirement savings? Josh takes a look at the contentious debate over 401K plans and their future in retirement planning. He delves into a controversial proposal suggesting the elimination of tax advantages for 401K plans to enhance Social Security funding by economist Alicia Munnell and Andrew Biggs, a senior fellow at the American Enterprise Institute. With a critical eye, he explores the implications of such changes on middle-class savers and dissects their presented arguments. Then, Josh shines a light on the inflation of cereal prices, offering insights into consumer behavior and market trends in the face of rising costs. For a deeper dive into the discussion on 401K plans and Social Security, check out this article: The Case Against 401K and IRA Retirement Tax Breaks. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

In this episode, Josh interviews David Stein, the founder and host of the podcast Money for the Rest of Us. They discuss David's background in institutional investment management and his transition to podcasting and educating individual investors. They delve into the concept of benchmarking and how it differs between institutional and individual investors. They also explore the current state of the podcasting industry and the challenges of running a successful podcast. David shares his insights on investing themes, including the importance of understanding benchmarking, the drivers of excess return, and the potential risks of overexposure to certain stocks. They also touch on the rise of ESG investing and the benefits of dividend-paying stocks and annuities. To learn more about David's work and join the Money for the Rest of Us community, visit moneyfortherestofus.com. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Air date: 03-09-2024 On this live call-in episode of The Financial Quarterback, Josh dives into the trend of billionaires like Mark Benioff and Mark Zuckerberg acquiring vast lands in Hawaii and their implications on local communities and housing affordability. He juxtaposes these acquisitions with their recent stock sales, sparking speculation about their foresight into economic downturns. Josh also explains immediate annuities, offering insights into their role in retirement planning and the considerations for starting an automatic withdrawal program. Josh also fields multiple live callers, discussing a range of topics from Elon Musk's Twitter rebrand to NVIDIA's stock performance and the broader economic signals these actions may send. Listeners contribute with personal anecdotes and questions, touching on tax experiences in New York, conspiracy theories in Hawaii, and the intricacies of changing trust arrangements. Josh navigates these discussions with expert advice on retirement planning, emphasizing the importance of understanding immediate annuities, the strategic use of trusts, and the value of diversification in investment. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Air date: 03/09/2024 Is your retirement playbook ready for the long game? In this episode, Josh sits down with Jason Parker, the financial advisor and podcast host behind the innovative Sound Retirement Planning. Together, they tackle the essentials of retirement planning, emphasizing cash flow management and the significance of guaranteed income for a comfortable retirement. Jason introduces his Retirement Budget Calculator, designed to help individuals estimate retirement expenses and gain financial clarity. They explore the power of diversifying investments across time segments to combat market volatility and secure a steady income stream throughout retirement. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

"From Defense to Offense: Is Your Financial Game Plan Championship-Worthy?" In this episode, Josh shifts from defense to offense, completing his exploration of the 27-point financial game plan. After laying down a solid defense, it's time to charge forward with strategies to grow your wealth. Josh dives into savings and investment tactics that form the core of a winning financial offense. From the basics of budgeting with a wealth coordination account to the complexities of navigating annuities and Roth accounts, he covers the field. The episode highlights the power of diversification, with a playbook that includes everything from treasury bonds to real estate investments, and underscores the importance of fixed annuities for securing a reliable retirement income. Tune in to ensure your financial strategy is set for both defense and victory. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 03/02/2024 In this episode, Josh interviews Bobbi Rebell, the founder and CEO of Financial Wellness Strategies. They discuss the importance of financial wellness in the workplace and the challenges employees face when it comes to managing their finances. Bobbi shares her insights on the current state of financial wellness programs and the need for more personalized and interactive approaches. They also touch on the role of peer support and the impact of socioeconomic factors on financial wellness. The conversation concludes with a discussion on the benefits of long-form media and the importance of addressing misinformation in the financial industry. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

They say the best offense is a good defense—what's your financial defense strategy? In this episode, Josh channels the defensive prowess of the legendary Baltimore Ravens to bolster your financial strategy. Josh dives into his 27-point game plan aimed at protecting your wealth, highlighting the necessity of thorough insurance coverage, the value of long-term disability insurance, and the fortress-like security provided by trusts. He also navigates the lease versus buy car debate, advocating for asset ownership as a cornerstone of financial stability. Prepare to fortify your financial defense to withstand any economic challenge. And keep an eye out for our next episode, where we'll explore offensive tactics to grow your wealth. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 02/24/2024 In this episode, Josh sits down with Dan Pilla, a tax litigation specialist, to discuss the employee retention credit (ERC) and recent tax law changes. They cover the challenges of claiming the ERC, the IRS's crackdown on incorrect claims, and the importance of accurately assessing eligibility. The conversation also touches on the Corporate Transparency Act and its implications for small business owners, offering tips on how to save on taxes and deal with tax delinquency. Dan provides insights into strategic tax planning for 2023, emphasizing the benefits of retirement plan contributions and the pitfalls of overpaying taxes through W2 withholdings. They explore the IRS's offer and compromise program as a solution for tax delinquency, highlighting the potential for negotiating settlements based on financial hardship and the possibility of appealing IRS decisions for more favorable outcomes. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Could a local restaurant's downturn be the canary in the economic coal mine? Josh tackles this question head-on. Sparked by a conversation with Peter, a local restaurant owner who's seen a shocking 30% drop in business, Josh delves into what this could mean for the broader economy and how individuals can brace for potential financial turbulence. Later in the episode, Josh challenges conventional wisdom on gifting savings bonds, advocating for more financially savvy alternatives to secure your children's future. It's an episode filled with insights that promise not just to inform but to transform your approach to personal finance. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 02/12/2024 In this episode, Josh interviews Jay Abraham, a renowned business strategist, to delve into the insights of his new book, "Business Wealth Without Risk," co-authored with Roland Frasier. The conversation kicks off with a look at the evolving landscape of social platforms like Clubhouse and Twitter Spaces, setting the stage for a deep dive into the world of business acquisition and optimization. Jay Abraham, with his extensive background in maximizing business potential, shares the core strategies of acquiring existing businesses as a path to wealth, contrasting it with the high-risk nature of starting from scratch. The book's focus is on leveraging existing revenue systems and referral generation to boost profits, a tactic Abraham has mastered over his illustrious career. He and Roland Frasier advocate for unconventional strategies and creative partnerships that can significantly enhance a business's market reach and profitability. Abraham emphasizes the importance of understanding the multifaceted aspects of business growth, from the power of preemptive products/services to the art of exiting businesses profitably. He also touches upon the significance of referral systems in business expansion and the innovative concept of the Power Parthenon of Geometric Business Growth, which advocates for diversifying revenue sources and learning from various industries. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Discover the financial junk drawer mentality and how it can wreak havoc on your financial decisions. Josh explains why emotional decision-making can lead to disorganized and ineffective financial strategies. He introduces a structural model that incorporates principles, laws, and strategies to optimize your financial life. Plus, join the debate on whether it's better to buy an iPhone 15 or invest in Apple stock for long-term financial gain. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 02/10/2024 In this episode, Josh sits down with Dr. David Ranson, the renowned Chief Economist at HCWE, to dissect the dynamics of monetary policy, inflation, and the nuanced relationship between the money supply and economic growth. Contrary to traditional monetarist views, Dr. Ranson posits that inflation and economic vitality are not solely dictated by the quantity of money. He highlights the significant role of energy prices, especially oil, in shaping inflation trends and discusses the potential inflationary spike should oil prices stabilize at their natural levels. The conversation delves into the Federal Reserve's limited influence over long-term interest rates, the enduring stability of the gold-to-price level ratio, and the implications of these factors for future economic conditions. Dr. Ranson and Josh also explore the impact of negative net national savings on capital investment and growth, offering a critical examination of fiscal and monetary policies' effectiveness in navigating these challenges. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 02/03/2023 In this episode, Josh sits down with economist Lacy Hunt to dissect the current global economy, zeroing in on consumer spending, housing, and commercial real estate. They dive into the impact of inflation, declining wages, and the troubling state of negative net national savings on the economy. Hunt shares insights on the expected downturn in consumer spending on big-ticket items in 2024, the looming challenges in the multifamily construction sector, and the oversupply crisis in commercial real estate. With a detailed analysis of labor market trends and the potential long-term effects of the federal budget deficit on economic growth, Hunt paints a stark picture of slow growth and deepening income inequality ahead. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Dive into "The Financial Quarterback® Podcast with Josh Jalinski," your new weekly playbook for mastering finance. Hosted by Josh Jalinski, the renowned voice behind WOR radio's "The Financial Quarterback®" show in New York, this podcast brings his Forbes-recognized expertise right to your ears. Every Wednesday, Josh unpacks the world of financial planning, covering everything from retirement strategies to estate planning, all tailored to help you navigate the complexities of today's financial landscape. But that's not all – the podcast comes alive with engaging guest conversations and a segment dedicated to your burning financial questions, making each episode a not-to-miss event. And for an extra dose of Josh's financial wisdom, swing by his YouTube channel at The Financial Quarterback®. Here, you'll find a treasure trove of video episodes and insightful content that complements the podcast. So, hit subscribe on Apple Podcasts, Spotify, or wherever you tune into podcasts, and get ready for the first episode dropping on February 7th. With "The Financial Quarterback® Podcast with Josh Jalinski," you're joining a journey towards financial enlightenment and success.

Airdate: 1/27/2024 In this episode, Josh interviews Matt Schulz, Chief Credit Analyst at LendingTree. They start by discussing the high levels of consumer debt and the impact of credit card interest rates. Matt emphasizes the importance of budgeting and emergency savings. The conversation shifts to strategies for managing debt in uncertain economic times. Matt shares insights on maximizing credit card rewards and the importance of using them wisely. They also touch on the challenges of credit card fraud protection and the limitations in disputing charges. Matt then highlights the need for personal finance education, especially for couples, and the role of technology in financial advice. The episode concludes with a discussion on inflation, market volatility, and diversifying investments. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Original Air Date: 10-21-17 In this episode, Josh welcomed retirement researcher Wade Pfau to delve into his book, "How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies." Pfau critiqued the traditional 4% rule as outdated due to the current low interest rates and market volatility, suggesting a more conservative 3% as a safer withdrawal rate. He underscored the importance of considering factors like longevity, lifestyle, legacy, and liquidity in retirement planning. Pfau and Jalinski discussed alternative strategies such as time segmentation, which involves creating a bond ladder for immediate expenses while investing the rest for the future. They also explored the role of annuities in providing a reliable income stream and protection against longevity risk. The episode highlighted the value financial advisors bring through behavioral coaching, tax-efficient strategies, and risk management, emphasizing that good financial advice can significantly enhance retirement income. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 1/20/2024 In this episode, Josh welcomes Barry Dyke to discuss the pitfalls of the stock market, mutual funds, and retirement plans. Dyke highlights the bankruptcy of companies like Eldridge Industries and NPC International, pointing out the devastating effects on employment and urging listeners to be cautious of where they invest. He warns of the risks in cryptocurrencies and SPACs, emphasizing the importance of education and working with trustworthy advisors to navigate these complex financial waters. Dyke advocates for life insurance policies and annuities as safer alternatives for retirement planning, contrasting them with the unreliable nature of Wall Street investments. He criticizes mutual funds for turning retirement plans into gambles and praises annuities for offering stability and guaranteed income, as supported by research from institutions like BlackRock. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 1/13/2024 In this episode, Josh welcomes Garrett Gunderson, financial coach and author of "Money Unmasked," to discuss his transition from financial advisor to financial educator and coach. Garrett shares insights from his journey, emphasizing the importance of understanding one's money persona to alleviate financial stress and improve money management. He introduces the concept of the Rockefeller method, detailing how it can be used to create and sustain generational wealth through strategies like building a family office and developing a family constitution. Garrett also delves into the economic value of certainty, the significance of cash flow in financial planning, and the success of his book "What Would the Rockefellers Do?" He discusses the differences between the Rockefeller and Vanderbilt families and the lessons learned in rewriting his book. The conversation shifts to the inspiration behind "Money Unmasked," where Garrett explains the four shadow personas and the winning side personas that influence our financial behavior. He highlights the importance of understanding these personas to reduce financial stress and make more informed decisions. The episode also covers Garrett's personal experiences with financial struggles and bankruptcy during the 2008 recession, his early success in real estate, and the dangers of overextension. He shares his belief in investor DNA and the importance of understanding your investor type to avoid common financial errors. Concluding the episode, Garrett discusses the myth of money as a zero-sum game and the importance of investing in oneself and finding fulfilling work. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 01/06/2024 In this episode, Josh welcomes Adam Nash, CEO and co-founder of Daffy.org, to discuss the transformative power of charitable giving through technology. Nash explains how Daffy democratizes the process of giving through its low-cost, user-friendly donor-advised fund (DAF), making it accessible for everyone to contribute to their favorite charities efficiently and receive immediate tax benefits. Nash delves into the mechanics and advantages of using a DAF, emphasizing how Daffy simplifies the giving process with features like Daffy Gifts for digital charity gift cards and Daffy Campaigns for fundraising. He shares his vision of fostering a community of givers who are informed and engaged in their philanthropic efforts. The conversation also touches on the importance of personal finance education, particularly for couples, and how technology like robo-advisors and AI is revolutionizing financial advice and planning. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Original air date 05-25-2019 In this episode, Josh welcomed Anthony Scaramucci to discuss the intricacies of the Opportunity Zone credit, a program aimed at incentivizing investments in economically distressed areas across the United States. Scaramucci broke down the benefits of deferring capital gains taxes and the potential for earning tax-free profits by investing in designated zones, while also addressing the slow progress and regulatory challenges that have hindered the program's full potential. The conversation shifted to the broader political landscape, with Scaramucci sharing his insights on the then-upcoming 2020 election and the likelihood of an infrastructure deal in the prevailing political climate. He expressed frustration with the stagnation and polarization in politics, suggesting that an infrastructure deal might be the most feasible bipartisan effort. Throughout the episode, Jalinski and Scaramucci delved into various topics, including the success of Scaramucci's book "Trump, the Blue Collar President," the state of the China trade deal, and the importance of addressing human rights abuses in international relations. As the episode concluded, Jalinski discussed the implications of including Chinese stocks in indexes and the moral issues that could be used to pressure China in trade negotiations. He also touched on the recent secure retirement bill passed by the House and its potential impact on retirement planning, particularly the "death of the stretch" provision. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 12/31/2023 In this episode, Josh delves into the intriguing topic of trustworthiness and its relation to facial hair, referencing a scientific study that suggests bearded individuals are perceived as more trustworthy. The conversation then takes a turn to discuss the recent controversy surrounding Elon Musk and his social media platform, X. Josh shares his perspective on X's potential to rival traditional media outlets. The discussion further explores the impact of rising interest rates and inflation on retirement planning. Josh emphasizes the critical importance of being debt-free before retirement and understanding the relationship between interest rates and the stock market. He also addresses the trend of "doom spending," highlighting the need for individuals to strike a balance between enjoying the present and preparing for the future. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 12/30/2023 In this episode, Josh is joined by Tom Hegna, a renowned retirement planning expert and author of "Who Wants to Be a Millionaire," to discuss effective strategies for building wealth and securing a comfortable retirement. Josh leads the conversation, exploring Tom's insights on the importance of a well-thought-out retirement plan, the benefits of maximizing social security, and strategies for inflation protection. Tom emphasizes the value of annuities and insurance products in ensuring a guaranteed lifetime income during retirement. Josh delves into Tom's concept of ikigai, discussing how finding one's purpose and passion in life aligns with financial success and the necessity of living within one's means. They discuss Tom's key steps to building wealth, including making more money, spending wisely, and investing in appreciating assets. Tom shares his belief that with disciplined saving and investing, nearly every American has the potential to become a millionaire. The episode also covers the critical roles of long-term care insurance and life insurance in estate planning, along with effective strategies to protect against inflation. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 12/23/2023 In this episode, Josh Jalinski dives straight into a discussion on estate planning, emphasizing the importance of setting up Transfer on Death (TOD) accounts for a smoother transfer of assets to beneficiaries. He then addresses a listener's concern about the potential performance of the bond market, highlighting the advantages of having a trust in the current economic climate. The conversation moves to the intricacies of assigning beneficiaries in fidelity accounts and the significance of primary and contingent beneficiaries. Josh then tackles the impact of inflation on everyday expenses, providing a stark comparison of grocery prices from 1990 to the present. He then delves into the recent stock market rise, discussing the thriving annuity market in the U.S. and the complexities involved in annuity investments. Josh concludes by cautioning listeners about the hidden fees and tax implications of annuities, comparing their death benefits to those of life insurance, and advising a critical approach when considering annuities as part of a financial strategy. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

In this bonus clip, Josh Jalinski delves into the financial intricacies of Shohei Ohtani's contract with the Dodgers. He clarifies that the net present value of Ohtani's contract is actually $337,000,000, contrary to the widely reported $700 million. Josh explains that this lower valuation was strategically calculated to protect the Dodgers from salary cap taxes. He also discusses the significant impact of taxes on Ohtani's earnings, suggesting that a lump sum payment upfront would have been more financially beneficial for Ohtani. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 12/17/2023 In this episode, Josh discusses the potential impact of rate cuts on the economy, emphasizing the importance of the ten-year treasury rate and its effect on annuities, pensions, and mortgages. A caller's question leads Josh to analyze Shohei Otani's contract, debating its financial prudence in light of inflation. As the episode progresses, Josh fields questions from callers on various topics. He advises on the tax implications of cashing in U.S. savings bonds and navigates the complexities of Social Security spousal benefits. The conversation shifts to annuities, with Josh highlighting their increasing sales due to anticipated lower interest rates and their role in retirement planning. The episode wraps up with a discussion on McDonald's potential new drink-focused franchise, Cosmc's, and its market implications. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 12/16/2023 In this episode, Josh starts by reading an email from an excited listener inquiring about necessary documents for an upcoming meeting. He then delves into the importance of long-term care planning and protecting oneself from financial exploitation. Josh takes calls from listeners, addressing a range of financial questions. A caller's question about the tax implications of cashing in U.S. savings bonds leads to a detailed discussion. Another listener asks about Social Security spousal benefits, prompting Josh to provide insights and suggest further analysis for informed decision-making. The episode wraps up with Josh discussing the value of annuities in retirement planning. He also touches on McDonald's potential launch of a new drink-focused franchise, Cosmix, aiming to compete with Starbucks and Dunkin'. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate; 12/10/2023 In this episode, Josh starts by addressing the recent surges in Bitcoin and gold, linking these trends to the potential approval of Bitcoin ETFs and the current economic uncertainty. A caller then shifts the focus to retirement planning for 2024, prompting Josh to offer insights on maximizing retirement contributions and evaluating healthcare options. Another listener inquires about the health of their retirement plan. Josh responds by discussing key factors like passive income, effective tax rates, cash flow ratios, and asset allocation. The conversation takes a turn when a caller questions the criticism surrounding annuities. Josh addresses this by highlighting their benefits in retirement planning, particularly in protecting against market volatility and sequence of return risk. Later, Josh discusses Roth conversions and life insurance as strategies for estate planning, advising on the need to consider overall tax implications. Callers nearing retirement bring up Medicare and Social Security options, leading Josh to emphasize the importance of timing and strategic decision-making in these areas. The episode also touches on Professor Kotlikoff's statement on Social Security clawbacks, sparking a debate on the system's fairness. Josh concludes by responding to questions about gifting savings bonds, discussing their tax implications and the benefits of alternative gifting options like brokerage accounts. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

Airdate: 12/09/2023 In this episode, Josh welcomes JJ the CPA, aka Joshua Jensen, to discuss essential year-end tax planning strategies. JJ, an expert in public accounting, highlights the advantages of investing in solar energy and electric vehicles, emphasizing the tax credits and deductions these investments offer. He underscores the importance of consulting a financial advisor, especially with the new opportunities presented by the Secure Act 2.0, which introduces a Roth component in retirement plans and offers tax credits for small businesses. The conversation shifts to the practical aspects of these investments, such as the deadlines for solar installation tax credits and the possibility of selling these credits. JJ also covers the complexities of electric vehicle tax credits, including the limitations on specific models and the impact of Section 179 depreciation for heavy vehicles. They delve into the nuances of business versus personal miles for tax deductions and the benefits of bonus depreciation. JJ and Josh also tackle the topic of retirement planning, discussing the Secure Act 2.0's implications and the mixed perceptions of 401k and retirement plans in the media. JJ passionately advocates for the misunderstood role of whole life insurance in tax planning, debunking myths and highlighting its potential as a stable investment. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!