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Listen "Ep 32: The Top 3 Questions You Didn't Know to Ask About Money"
Episode Synopsis
In this enlightening episode of Money Moves - A Black Swan Money Podcast, hosts Jon Cleaver and Wendy Lee delve into the top three financial questions you didn't even know you should be asking.
The episode kicks off with a deep dive into the importance of credit scores. Our hosts discuss how a good credit score can open doors to credit access, secure loans, and negotiate better interest rates. They highlight the power of leveraging other people's money (OPM) for investments and major purchases and recommend using credit monitoring apps like Credit Wise and Credit Karma to keep track of your credit score [[00:01:17]].
Next, they tackle the often overlooked topic of avoiding bank fees. They share practical tips such as using credit unions instead of traditional banks, maintaining minimum account balances, and negotiating fee waivers with credit card companies. They also suggest setting up backup accounts to avoid overdraft fees and stress the importance of proactive communication with financial institutions [[00:06:24]].
The episode concludes with a comprehensive discussion on retirement planning. The hosts emphasize the need to save more than the traditional 10% recommendation, diversify investments, and consider tax implications. They caution against relying solely on Social Security and encourage listeners to seek professional advice to create a personalized financial plan based on their desired retirement lifestyle and expenses [[00:13:46]].
This episode is a must-listen for anyone looking to gain a deeper understanding of their finances and make informed money moves. Tune in to learn, grow, and take control of your financial future.
Get more financial tips and advice at blackswanmoney.com
Follow us:
https://www.instagram.com/blackswanmoney/
https://www.instagram.com/moneywithwendy/
Do us a favor and share this episode!
The episode kicks off with a deep dive into the importance of credit scores. Our hosts discuss how a good credit score can open doors to credit access, secure loans, and negotiate better interest rates. They highlight the power of leveraging other people's money (OPM) for investments and major purchases and recommend using credit monitoring apps like Credit Wise and Credit Karma to keep track of your credit score [[00:01:17]].
Next, they tackle the often overlooked topic of avoiding bank fees. They share practical tips such as using credit unions instead of traditional banks, maintaining minimum account balances, and negotiating fee waivers with credit card companies. They also suggest setting up backup accounts to avoid overdraft fees and stress the importance of proactive communication with financial institutions [[00:06:24]].
The episode concludes with a comprehensive discussion on retirement planning. The hosts emphasize the need to save more than the traditional 10% recommendation, diversify investments, and consider tax implications. They caution against relying solely on Social Security and encourage listeners to seek professional advice to create a personalized financial plan based on their desired retirement lifestyle and expenses [[00:13:46]].
This episode is a must-listen for anyone looking to gain a deeper understanding of their finances and make informed money moves. Tune in to learn, grow, and take control of your financial future.
Get more financial tips and advice at blackswanmoney.com
Follow us:
https://www.instagram.com/blackswanmoney/
https://www.instagram.com/moneywithwendy/
Do us a favor and share this episode!
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