CFO at Home

It’s that time of year. We’re finally shaking off winter and either looking forward to, planning for, or dreaming of travel. And while a quick get-away to the beach or mountains is always great, what about those bucket-list trips, places we’ve wanted to go, experiences we’ve wanted to have, or interests that we’ve wanted to dive into, but just haven’t gotten around to for some reason? Developing an intentional strategy for bucket list travel is the topic on this episode of CFO at Home with Christina Trotter, travel advisor, writer, and Founder of Destined Globetrotter. You can learn more about Christina and Destined Globetrotter by visiting destinedglobetrotter.com (07:15) Family Travel (14:43) Making Intentional travel plans (17:40) Creating your bucket list (41:15) Christina’s site destinedlglobetrotter. com Key Links destinedglobetrotter.com Instagram - Chrissy Trotter (@destined_globetrotter) https://www.facebook.com/DestinedGlobetrotter Contact the Host - vince@thecfoathome.com

When it comes to preparing for your retirement, at the end of the day, no one has as much on the line as you do. Even if you’re fortunate enough to have access to financial professionals to advise you, what are some essential things that you need to keep in mind, and be on the lookout for, in order to look after your own best interest? That’s the discussion on this episode of CFO at Home with Retirement Income Certified Professional and host of the Money Matters podcast Christopher Hensley. To learn more about Christopher and the Money Matters Podcast check out moneymatterspodcast.com Key insights: - The significance of understanding your retirement plan and healthcare options (11:00) - Converting retirement savings into steady income (27:15) - The impact of financial literacy on retirement readiness across different communities (45:00) Key Links Website - houstonfirstfinancialgroup.com MONEY MATTERS with Christopher Hensley Contact the Host - vince@thecfoathome.com

Despite our best efforts to budget, save, invest, and be careful with our spending, a single medical emergency can present significant challenges to even the most thorough of financial plans. Given the ever rising price of healthcare and healthcare insurance, what can we do to help manage the impact of these costs on our finances? That’s the conversation that Vince has on this episode of CFO at Home with Robert Hertz, retired insurance agent and crusader against medical debt. You can learn more about Robert and his mission by going to theantidebtagenda.com (05:10) Initial Avoiding and dealing with accumulated medical debt (13:50) Beyond the initial steps (14:05) Under some federal legislation, unpaid medical bills are not reported to credit bureaus (21:03) Some doctors and even some hospitals will give you a payment plan (25:12) There are a couple of things that can be done nationally to reduce medical debt Ways to contact/follow: http://www.theantidebtagenda.com/ Contact the Host - vince@thecfoathome.com

Remember a couple of years ago when everybody was talking about Bitcoin, Cryptocurrency and NFTs? Hear much about them today? Was it all just a passing fad, or are there things about Cryptocurrency and the technology behind it that it would be beneficial for us to be aware of from a financial literacy standpoint? That’s the discussion Vince has on this week’s episode of CFO at Home with Professor Tonya Evans, Author of Digital Money Demystified, and host of the Tech Intersect podcast. You can learn more about Professor Evans, Digital Money Demystified and the Tech Intersect podcast by going to DigitalMoneyDemystified.com, or TechIntersectPodcast.com Show Notes: (3:16) Defining cryptocurrency and blockchain technology (9:46) The trust factor behind crypto and how it compares to traditional currency (17:15) The potential for marginalized communities to gain a first-mover advantage in the digital currency space (26:30) The importance of becoming financially literate in the digital age and the role of crypto assets (31:00) How recent events have affected the crypto market and what it means for investors (42:02) Practical steps for beginners to start exploring and understanding the world of crypto Ways to contact/follow: Tonya M. Evans Tech Intersect Podcast Digital Money Demystified Tonya M. Evans #DigitalMoneyDemystified (@ipprofevans) • Instagram Tonya Evans - Facebook Resources Coindesk.com Coinmarketcap.com Unchained Podcast Contact the Host - vince@thecfoathome.com

Google “Stressful life events”, and more often than not the results will list divorce as #2, right behind the death of a spouse or loved one. For all of the stress and pain that comes with the process, how can the financial part of a break-up be handled in a civil, respectful, and fair manner? That’s the topic that Vince dives into on this episode of CFO at Home with Leah Hadley, founder of Intentional Divorce Solutions, and host of the Intentional Divorce Insights podcast. You can learn more about Leah and Intentional Divorce Solutions by going to IntentionalDivorceSolutions.com Show Notes (06:27) Leah serves as a financial neutral or an advocate during divorce (08:49) Common mistakes people make when going through divorce include giving up marital home (12:49) Taking the time to fully understand your assets (18:57) The importance of liquidity, having access to cash during transitions (21:43) Protect your credit throughout the divorce process (26:43) The importance of Financial Transparency (29:13) Prenups (32:30) Leah offers support groups for women and men going through divorce Ways to Contact IntentionalDivorceSolutions.com https://www.instagram.com/intentionaldivorcesolutions Contact the Host - vince@thecfoathome.com

Did you know that March is National Credit Education Month? To mark the occasion, Vince thought he’d share some info from the National Financial Educators Council Credit Education Guide. If you’d like a copy of the full guide, just drop him a note at vince@thecfoathome.com Credit Bureaus are Companies that collect information about your credit and other financial obligations Credit History Companies that you have loans with report how you have managed your debt to the credit bureaus. All this information is compiled into your credit history. Credit Score Credit scoring companies (FICO and AdvantageScore) use credit history info to calculate and assign you a credit score, which is used as a measure your creditworthiness The FICO scoring system is currently the most widely used and currently evaluates the following credit history elements with the following weights: 35% is based on your payment history. 30% reflects the amounts you currently owe. 15% is from the length of your credit history. 10% is from new credit and the number of recently-opened accounts. 10% is based on the types of credit you use. FICO credit score ranges Exceptional 800 - 850 Very Good 740 - 799 Good 670 - 739 Fair 580-669 Poor 300 - 579 Credit Report A summary of your credit history and credit scores is published by the credit bureaus as a credit report Resources www.AnnualCreditReport.com Contact the Host - vince@thecfoathome.com

In the final episode of CFO at Home’s Money and Relationships series, Vince talks with Greg Davis, retired Senior Finance Executive, academic, and author of the book "Checkmate: Tips & Lessons to help you Make the Right Moves to Achieve Happiness!”, about how both Money and Relationships ultimately impact our happiness. You can learn more about Greg and Checkmate by visiting davischeckmate.com Show Notes: (00:00) Introduction to CFO at Home's financial coaching and education services announcement (01:30) The staggering statistics on American happiness and financial preparedness (6:47) Greg’s CHECKMATE framework and how it relates to money and relationships (12:00) Work-life balance (32:18) The concept of 'money dates' and how they can strengthen a couple's financial unity (39:00) Take the time to find a good life partner (46:18) Greg’s upcoming course based on "Checkmate" and the release of the audiobook Ways to contact/follow: DavisCheckMate.com Contact the Host - vince@thecfoathome.com

On this Money and Relationships episode of CFO at Home, Pastor, marriage coach and author Kelly DuPee and I dive into the subject of marriage and money. We discuss how Kelly successfully navigated through his own marital challenges, marital friction and financial disagreements, the importance of oneness, trust and communication when managing finances as a couple, and more. You can learn more about Kelly, his coaching services, and his book Turn It Up, How To Have The Lifelong Marriage That You Really Want by visiting turnitup.coach Show Notes: (00:00) Introduction to CFO at Home's new financial coaching and education services (01:48) Kelly’s background and the personal experiences that shaped his approach to marriage coaching (11:40) Financial arguments (explosive anger) (15:34) The importance of financial unity (oneness) (19:45) Strategies for couples to discuss and manage their finances collaboratively (25:27) The importance of trust (28:41) Kelly's techniques for effective communication and conflict resolution in financial matters (40:46) The offer of discounted access to Kelly's book for CFO at Home listeners Contact/follow: - Website: turnitup.coach - Book Offer: turnitup.coach/75 - Contact the Host - vince@thecfoathome.com

CFO at Home’s Money and Relationships Month rolls on this week with a focus on Dating and Money with Christopher Hill, the Founder of The Gentlemen’s Group Christopher and Vince discuss the impact of stable relationships on financial success, the idea of financial “ do’s and don’t” in the dating world, the importance of establishing genuine connection with your romantic partner, and more. You can learn more about Christopher and The Gentlemen’s Group by going to thegentlemansgroup.com Show Notes: (07:25) The correlation between stable relationships and financial success (10:37) The impact of societal definitions of manhood on personal and financial growth (14:25) The importance of partnership and transparency in managing personal finances (21:36) Christopher's approach to dating and establishing a genuine connection (36:54) Addressing misconceptions and bad advice in the dating world Ways to contact/follow: thegentlemansgroup.com Instagram @improvemydating Contact the Host - vince@thecfoathome.com

All this month on CFO at Home, the focus is on Money and Relationships. Have you ever loaned money to a friend or family member, only to find yourself regretting it later? Have you struggled with saying no or setting limits in relationships, both personal and financial? If so, stick around for this episode and check out Vince’s conversation with Heather Claus. Heather is an educator, coach, and author of the book "Take No Sh*t" – Build better relationships through discovering, creating and maintaining healthy boundaries in three (sometimes five) simple steps. Heather shares her personal experiences and the lessons she learned about the importance of setting boundaries, breaks down the six types of boundaries and shares tips about establishing healthy boundaries, particularly in relation to money. Learn more about Heather and her book at My.Curiouser.Life Show Notes: (00:00) Introduction to CFO at Home's new financial coaching and education services (02:50) Heather Claus's background and the impetus behind her book on boundaries (5:56) The six types of boundaries and their overlap with financial well-being (7:04) The nuances of material boundaries and the psychology behind lending money (8:08) Strategies for setting boundaries with family members, including parents (30:10) The relationship between self-esteem and establishing boundaries (34:22) The importance of being true to oneself in relationships and financial matters (42:00) Heather's approach to coaching and the wealth of resources available on her website Ways to contact/follow: Curiouser.Life Contact the Host - vince@thecfoathome.com

If one of your goals for 2024 is to break out of a professional or job search rut, endlessly sending out resumes and waiting for calls that never come, then this episode is for you. On this episode of 'CFO at Home,' Finance Guru and Bestselling Author of “The 5 Day Job Search” Annie Margarita Yang, shares her incredible story of how she landed three accounting jobs consecutively, each within five days, and all without an accounting degree. But this episode isn't just a narrative of Annie’s success; it's full of actionable advice, from leveraging LinkedIn as the new resume to crafting an authentic personal brand, Annie's insights are for anyone looking to stand out in today's competitive job market. You can learn more about Annie and The 5 Day Job Search by visiting AnnieYangFinancial.com Show Notes: (02:29) Annie's journey from minimum wage to accounting jobs without a degree (04:36) Job description requirements and the magic behind Annie's resume (12:25) The impact of personal branding in job searching (13:47) Annie's take on honesty and values in building a personal brand (20:22) The significance of an online presence and LinkedIn in today's job market (35:53) The importance of authenticity and the dangers of oversharing (40:29) Annie offers a special discount for her book to CFO at Home listeners Resources: - Annie Margarita Yang's Website - anniengfinancial.com YouTube - Annie Margarita Yang - Contact the Host - vince@thecfoathome.com

On this episode of CFO at Home, our series on your 2024 money goals rolls on, this time focusing on investing. Vince’s guest today is Shari Rash, founder and Financial Advisor with Greenway Wealth Advisory and the host of the Money Chic podcast. Shari and Vince discuss the importance of having defined investment goals, the difference between a budget and a spending strategy, how to allocate your income effectively between needs, wants, and savings, the basics of investment vehicles such as IRAs, 401(k)s and 529 plans, and more. You can find out more about Shari by going to greenwaywealthadvisory.com or checking out her podcast Money Chic on your favorite podcast app. (00:00) Announcing CFO at Home's new financial coaching and education services (05:00) Shari's insights on defining investment goals and the need for a spending strategy (10:30) The 50/30/20 rule for allocating income and the difference between a budget and a spending strategy (21:25) Understanding 401(k)s, IRAs, and the benefits of Roth options (30:51) Navigating the nuances of 529 plans for college savings Resources: - Greenway Wealth Advisory - greenwaywealthadvisory.com - Money Chic Podcast - Financial education on various topics - Instagram - @millennialmoneyadvisor Contact the Host: vince@thecfoathome.com Please note that this content is for informational purposes only and not intended as financial or investment advice. Consult a professional for guidance tailored to your situation.

When it comes to managing our money, oftentimes small, incremental changes implemented over a long period of time can yield big results. In her book Ditch Your Debt While Banking Bucks: Living the 60/40 Rule on Your Current Income, this episode’s guest Janine Bolon helps you to discover how small changes in your behavior can lead to leveraging more cash into your wallet, where daily and weekly actions can be implemented to loosen up more cash, and more. You can learn more about Janine and the 60/40 rule by visiting FinancialFirstResponse.com. (00:00) Introduction to financial coaching and education services at CFO at Home (2:18) Janine Bolon's personal journey from a high-powered career to financial independence (4:42) The 60/40 principle explained, and how it can transform your financial life (5:52) The importance of managing money outside of your paycheck (11:50) Building habits and changing mindsets with the 60/40 rule (18:22) The psychological and holistic benefits of the 60/40 principle (29:00) How giving back fits into financial wellness and the 60/40 rule (30:08) Janine's invitation to prove the 60/40 rule's effectiveness and her free resources Ways to contact/follow: FinancialFirstResponse.com The 8 Gates Contact the Host - vince@thecfoathome.com

It happens at the beginning of every new year; whether you plan to set goals for the year or not, the talk is everywhere; from social media to the ads that run during our favorite television shows; lose weight, get fit, goals in nearly every aspect of your life; including your money. Here on CFO at Home, we’re kicking off 2024 by focusing each episode in the month of January on your money goals. We’re starting things off this week with a conversation with author and Project Management professional Simon Tipler about setting and achieving goals, particularly when it comes to our money. (00:00) CFO at Home will begin offering Financial Coaching using the National Financial Educators Council processes (04:28) Goal setting is one of the things that we struggle with about money (05:12) The power of asking “whys” (10:30) Motivation and procrastination when working on finances (13:58) The value of knowledge in overcoming procrastination (19:43) Small steps are the best way to achieve goals (26:07) Taking action is better than waiting until you have perfect plan and implementing (37:51) When it comes to investing and being DIY versus involving a professional Resources Simon Tipler Personal Productivity: Finally achieve your goals with proven methods and tools Ways to contact/follow: Let’s Connect - Simon Tipler Contact the Host - vince@thecfoathome.com

CFO at Home will be on break for the month of December, but will be back Wednesday January 3rd 2024 to kick off a month of episodes focused on helping you to start the new year strong when it comes to your money. Episodes will cover: Getting your financial house in order in 2024 Insurance Job search tactics and building your personal brand Harmoniously managing your money in your marriage

On this edition of CFO at Home, Vince wraps up the last of 3 consecutive episodes on preparing financially for college with a discussion with Kuni Beasley, founder of Beasley College Prep, on some of the top strategies that he and his team have used since 2011 to help students earn over $300 million in scholarships and grants, while being admitted to some of the top institutions in the country; including Ivy League schools, Service Academies, and Top Tier colleges such as MIT, Stanford and Duke. You can learn more about Kuni and Beasley College Prep by visiting beasleycollegeprep.com Key Discussion Points: (00:50) Determining if college is the right direction for your kids (07:23) The Importance of good test scores (13:29) The four elements that Kuni’s team works with dealing with admissions and scholarships (17:16) There is no statistical difference in income success between Harvard and non-Harvard students (28:13) Deprograming students so they can see a path forward (30:31) The military offers a full scholarship with stipend monthly payments for medical school Ways to contact/follow: Beasleycollegeprep.com info@beasleycollegeprep.com Beasleycollegeprep - Facebook Beasleycollegeprep - Instagram Contact the Host - vince@thecfoathome.com

Last time out we talked about balancing saving for college and retirement with Dan Cieniewicz of Hyperion Financial. On this episode, Vince continues the college discussion with Honoria DaSliva-Kilgore, founder of Personal College Counseling, Inc., (also known as PCCI) this time focusing on college prep and how to best position young scholars for success in college in all aspects of their education, including financial. You can learn more about Honoria and PCCI at PersonalCollegeCounseling.com Key Points (01:15) From a financial perspective, you should start planning as early as when the child is born (08:26) Early on, you're determining whether college is the path for your child (13:16) More colleges are dropping the requirement to have certain standardized test scores (23:51) In terms of cost, college choice plays a big part in that Ways to contact/follow: PersonalCollegeCounseling.com nod@personalcollegecounseling.com Text or call - 508-622-5354 Personal_College_Counseling - Instagram Contact the Host - vince@thecfoathome.com

Saving for your kid’s College education. Saving for your own retirement. Which should you do first? Which is more important? Do you really have to choose between one or the other? Or is there a way to work towards both goals simultaneously? That’s the topic Vince discusses on this episode of CFO at Home with Dan Cieniewicz, Certified Financial Planner with Hyperion Financial. You can learn more about Dan and Hyperion Financial by going to hyperionfp.com Key Topics: (01:38) It's all about saving for college and retirement in that intersection (08:12) College savings and retirement planning are foundational (14:07) The 529 plan can be a great tax planning tool (25:09) 401Ks and the IRAs (33:01) Saving in a Roth IRA for college Ways to contact/follow: Hyperion Financial thecollegedude.com dan@hyperionfp.com Contact the Host - vince@thecfoathome.com

With the exception of a chosen few who are born into very fortunate circumstances, few of us wander into a position of sustained financial stability. It takes intentionally, and intentionally is driven by goals. On this episode of CFO at Home, Vince discusses goal setting in order to achieve life goals, financial and otherwise, with Aliki Samone, author of Conquer your Summit, How to Build a Five-Year Plan and live your best life. You can find out more about Aliki and Conquer your Summit by going to ConquerYourSummit.com Key Takeaways: (06:27) The Summit Method is designed to help readers create goals and plans (07:35) Having a plan for your life (18:29) Summit Method focuses on four areas: personal growth, financial freedom, community (25:41) The Mountain of Financial Freedom (29:14) Is the Summit Method is not prescriptive Resources: ConquerYourSummit.com Ways to contact/follow: AlikiSamonebooks - Instagram Conquer Your Summit - Facebook Contact the Host - vince@thecfoathome.com

Google “Topics that people avoid talking about” and money appears on almost any list (along with politics, region, death, and sex). Throw in the often complicated dynamics of family relationships, and it’s no wonder that family conversations around finances can be so difficult particularly during critical life transitions that involve financial decisions. Family money conversations is the topic on this episode of CFO at Home with Lori Sackler, Certified Investment Management Analyst, Certified Financial Planner, and author of The M Word: The Money Talk Every Family Needs to Have about Wealth and Their Financial Future. You can find out more about Lori and The M Word by visiting themword.com Key Takeaways: (05:34) Communication barriers can make it difficult for partners to talk about money (07:25) There's a natural difference between the way men and women view money and approach finances (19:12) The Five Step Process to guide you through life’s transitions (29:31) When should you introduce kids into your financial world, educating kids about money Ways to contact/follow: themword.com Contact the Host - vince@thecfoathome.com