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Strategies for your financial future. Complex topics made simple and actionable, so when it comes to your money, you're making smart decisions. The following program is sponsored by JT Financial Group which is solely responsible for its content. Securities offered through J.W. Cole Financial, Inc. (JWC) Member FINRA/SIPC. Advisory Services offered through J.W. Cole Advisors, Inc. (JWCA)JT Financial Group and JWC/ JWCA are unaffiliated entities.
- 29 - I already have an advisor, I'm all set. Right?
Are you maximizing your investments and your relationship with your financial team? What do you define as your financial team? We talk through how to make smart decisions when it comes to the people you work with regarding your finances.
Wed, 26 Jan 2022 - 28 - When Life Smacks You in the Face
A random Tuesday afternoon can change your life for the foreseeable future. Are you ready? Let's talk about how being prepared is like giving yourself a permission slip to live your life without fear.
Wed, 26 Jan 2022 - 27 - Debunking the Four Biggest Myths
We talk about four common myths when dealing with your financial security. 1. Max out your 401k. 2. All debt is bad debt. 3. 529s are just for college. 4. Life insurance is too expensive.
Wed, 26 Jan 2022 - 26 - The True Cost of Pet Ownership
Josh: This is Josh Tirado. And thank you for joining the Making Smart Decisions podcast. What is the true cost of pet ownership in 2021? let's dive into the dog dilemma. In some reasons studies, some data showed that the initial purchase of a dog in the United States is ranging anywhere from roughly $600 to $2,300.
[00:01:58] It's also showing that annual care and maintenance of that dog is running between $600-$2300 a year. In fact, one survey shows that 40% of Americans are spending an excess of $3,000 a year on their dog, but in reality, they're budgeting a hundred dollars or less per month towards that same expense. Now, I love dogs.
[00:02:23]I own two doodles, two Ozzy doodles, half Australian shepherd has standard poodle they're brother and sister. They're great. My kids love them. My wife and I love them. They bring a lot of joy to our family. I will say this though. They are designer doodles. They were not inexpensive to purchase.
[00:02:41]And because of allergies in my family, I had to go with a dog similar to them. So adopting a dog will be searched and cannot find anything. So we had to go down that route. So let me just preface that with, I love my dogs. Buying a dog is not cheap. Giving the dog good food, good vet care is not cheap.
[00:03:01] As a matter of fact, I have in many people do have health insurance on their dogs. And my pet insurance is now $68 a month. But if you'd look at the cost of something going wrong and incurring vet bills, those bills can be very expensive. So the pet insurance, I think is a useful hedge against that.
[00:03:22] Between Christmas and New Year of 2020 more dogs were put up for adoption and were abandoned or turned into the shelter than any other time during the year. And that's true year over year, I think 2020, was worse because of the pandemic.
[00:03:38] People are out of work. People cannot afford their animals. People's living situations are changing and they cannot afford it or are unable to take their dog with them. And they're putting their dog up for adoption or trying to give it away. But also when you look at that initial cost, if you're paying a couple hundred, a couple of thousand dollars to buy the dog and that same amount of money every year to maintain a healthy lifestyle for your dog, as well as the time commitment to having the animal in your life or multiple animals.
[00:04:06] I think a lot of people quickly realize how expensive and what a commitment it is. And it is a true commitment. I just want to say, this is almost a cautionary tale, and I feel very badly that a number of people got dogs over the summer when it was cute and to get them in your outside and the puppy stage, and you come into the winter and suddenly the dogs inside a lot more.
[00:04:25] And the dog is now at that age where they can tend to start chewing and be destructive. And a lot of people want to get rid of the dog. So for some, it's a cost issue for some, it's a personality issue. I just want to caution people going to 2021, and beyond to please seriously consider your family situation.
[00:04:45] If you can have a dog if you should have a dog, and then also what breed and what is the right setup for the dog. Now, this can be applied to cats and other animals as well, but generally speaking. The dog is the more expensive of the common household pets, but please take a serious look at it, make sure it's a smart decision and a long-term decision that you can go with.
[00:05:08] I know the animals bring a lot of love and joy to people, but if you can't keep your animal that love and joy are going to go, and isn't worth it because then you're going to be heartbroken and so will the animal. So let's make smart decisions looking forward when we are picking out a household pet and a new best friend.
Wed, 26 Jan 2022 - 25 - Buyer Beware
We follow the story of a couple of investors who mistakenly took the advice of a shady advisor to help our listeners understand what to look for in the case of fraudulent investments.
Wed, 26 Jan 2022 - 24 - The four types of traditional investments
Stocks, bonds, mutual funds, and ETFs, oh my. We break down the four most common types of investments, their uses, and history so you can make smart decisions.
Wed, 26 Jan 2022 - 23 - ESG Investing - (Environmental, Social, and Governance)
Also called sustainable investing, ESG investing is an umbrella term for investments that seek positive returns while having long-term positive impacts on society, the environment, or the performance of ethical businesses at the same time.
Wed, 26 Jan 2022 - 22 - Fee-based versus Fee-only versus Commission
When it comes to how your financial advisor is compensated there are three main options. We discuss each of these options so when it comes to your financial situation you are making smart decisions.
Wed, 26 Jan 2022 - 21 - Umbrella Insurance
This could be the coolest, most useful insurance item that you've never heard of. If you have a young driver, a pool, a trampoline, or a business you should look into this now.
Mon, 10 Jan 2022 - 20 - Why you need a financial advisor for your divorce
A divorce is an emotionally and financially challenging time for everyone involved. We talk about some of the common mistakes and pitfalls surrounding financial planning during a divorce.
Wed, 01 Sep 2021 - 19 - What do clients like the most about working with financial advisors?
Which products and services do most people find advantageous? What are some of the clients' favorite aspects of working with a financial advisor? We discuss feedback from real-life clients.
Wed, 01 Sep 2021 - 18 - The State of Pension Plans in the United States
With current changes in pensions plans in the United States mind, we talk about which situations to depend on and which situations you should supplement or not count on your pension.
Mon, 30 Aug 2021 - 17 - Sequence of Return Risk
Just because the market normally rises at a steady rate over 10 years, doesn't mean that when you pull out the money you need it will be at the average. It could be more or less. Making sure you've done everything you can to mitigate this risk (Sequence of Return Risk) is the topic of today's show.
Mon, 30 Aug 2021 - 16 - Amplify
The founders of Amplify: Josh Tirado and David Morgan discuss this revolutionary product to help people amplify their giving to their favorite non-profits.
Sun, 01 Aug 2021 - 10 - The Emergency Fund
On this episode we talk about the emergency fund. What is it? Do you need one? If so, how much do you need. We break it all down for you so you can make smart decisions.
Tue, 02 Mar 2021 - 9 - What questions to ask when interviewing a financial advisor
Today's topic is what questions to ask when you're interviewing a financial advisor. So essentially, I'm giving you the questions to ask when you're interviewing me.
Tue, 23 Feb 2021 - 8 - The Back Door Roth IRA
The back door Roth IRA has gained popularity. In this episode, we talk about some of the rules for it, how you can utilize it, and whether or not it could be a good strategy for you. So when it comes to your Roth IRA you are making smart decisions.
Tue, 16 Feb 2021 - 7 - Life Insurance and Marijuana
Whether recreational, medicinal, or marijuana use is not a valid reason to not get life insurance. We walk through the options, changes, and policies of many life insurance policies so when it comes to life and insurance and marijuana; you are making smart decisions.
Tue, 09 Feb 2021 - 6 - Fiduciary Responsibility and working with a financial advisor
Josh Tirado shares a brief overview of the definition of ficuciary responsibility and how it impacts you as you look for and interview a financial advisor to work with you on your journey of making smart decisions.
Tue, 02 Feb 2021 - 5 - Investing in 2020 & beyond - Survival of the Fittest
You may not typically think of the Survival of the fittest as an analogy for investing, but there are some key insights into your investment strategy that could be key for your ability to make smart decisions.
Tue, 26 Jan 2021 - 4 - Long-Term Care
Long term care policies have evolved over the years and give the users of these policies more options and benefits than 20 years ago. Hear about the details of today's long term care policies so you can make smart decisions for you and your future.
Tue, 19 Jan 2021 - 1 - Making Smart Decisions with Josh Tirado TrailerMon, 21 Dec 2020
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