This week we chat about why high deductible plan deserve another look and health savings accounts can be a good tool in your portfolio!
Episode 125 - How would Biden's proposed 401k Tax Credit affect you?
Biden proposed a 401k tax credit and on this weeks episode we break it down so you can understand how it might affect your finances!
Episode 124 - One Car Family Update - 4 Years Later!
We sold our second car four years ago and after all this time we chat about if it was a good decision and if we have plans to buy a second car again.
Episode 123 - How to Invest in 2021
We chat about how to invest, the vehicles you should invest in, and why you should prioritize retirement accounts in this weeks episode!
Episode 122 - Current Mortgage Environment: low rates and missed payments
With historic low interest rates we're seeing a lack of affordable housing as home prices are being driven up which is contributing to more people missing rental or mortgage payments. We discuss the current housing climate and what may happen in the future!
Episode 121 - Less is More: Intentional Purchases
We don’t often get on to talk about SPENDING money but as we’ve continued on our path of frugalism we realized now that we are more intentional with our purchases it’s not always the right answer to just buy the cheapest thing but rather the right product. Today we chat about how we try to be intentional with our purchases to support the small businesses dear to our community and invest in the future we want to see ina post-pandemic world!
Episode 120 - Pandemics, Layoffs and Babies OH MY!
We’re back! After a crazy last few months we update you on our life over the past few months and how by saving the last few years we were able to weather the financial storm.
Episode 119 - Investing During a Market Downturn
On this weeks episode we discuss how we invest during a market downturn and how we handle volatility with our investing strategy.
Episode 118 - Finances as a Married Couple
This week join us as we chat about how we structure finances as a married couple and how we communicate around big and small purchases.
Episode 117 - Downsizing our Stuff:
A couple years ago we moved from a single family home back to a small apartment and in that process we intentionally got rid of many material possessions that we no longer had the space for. As we've transitioned to a more minimalist lifestyle we've continued to donate various items that no longer serve our needs. We look back on what we got rid of, how we feel after getting rid of everything and what items we ultimately miss.
Episode 116 - Budgeting on a Reduced Income
What should you do if your income is reduced? On this episode we talk though how to budget on a reduced income by focusing on essential expenses and potential items to reduce during crunch time. We also discuss how to leverage your emergency fund to buy some time and ultimately develop a new, sustainable plan going forward.
Episode 115 - FICO Credit Score Update
From time to time the calculation behind the FICO credit score changes. As FICO 10 is being rolled out this year and credit bureaus look towards moving over to this new system we update you on what those changes will mean for you. Join us this week as we discuss these changes and how you can improve your score going forward.
Episode 114 - Coronavirus US Financial Relief Update
As a follow-up to our episode last week we chat about the coronavirus financial relief package that the US passed recently. Now the details have emerged so we are able to dive a bit deeper and provide some more clarity on the issues.
Episode 113 - Coronavirus US Financial Relief
Join us this week as we give real time updates involving tax payments, student loans and mortgage relief in the US due to the coronavirus outbreak. This podcast was recorded on March 21, 2020 and we will aim to provide updates as we learn more.
Episode 112 - What is a Passive House?
Imagine a house with super low energy bills that is also warm in each and every room in the winter, a house that is cool in the summer, and most importantly a house with no bugs. What if we challenged our current building standards and made better homes? Tune in this week to hear our opinion of the passive house movement and if we plan to join the growing trend someday.
Episode 111 - March Market Madness
We chat about the current market swings and what you should do. This episode was recorded on March 12 which saw the largest market single day decrease since 1987. In this episode we discuss what our plans are with the market and how we stick to the plan even in tough times.
Episode 110 - How We are Buying Baby Items
As expecting parents there is a lot to learn and research as you anticipate your new baby. We chat about some of the big purchases like cribs, car seats, etc and chat through how we figured out what was right for us. While getting a nursery ready can seem overwhelming, by taking a step back and finding the right products it can truly fit any budget!
Episode 109 - How to Fight Identity Theft
About 20% of Americans will experience identity theft in the next year. Until it happens to you it’s easy to think that it will never happen. On today’s episode we chat about what happens when your identity gets stolen as well as some tips that everybody should be doing to prevent it!
Episode 108 - What is an Investment Policy Statement?
An Investment Policy Statement sounds scary & fancy but really it’s something that everyone should have. Whether it’s simply a few lines jotted down on a piece of paper, or a more well-thought out plan - it helps make sure you are comfortable and confident with your investment plan no matter what the market does.
Episode 107 - Hobbies Don't Have to be Expensive
On this weeks episode we chat about various hobbies we have and how we keep the costs down. The key is to just get started with what you have and then slowly add nicer items to your collection as your hobby develops over time.