Wealthy HOMES

Podcast Summary: Interview with Nate Baumann from LVZ Investment Management In this episode of the Wealthy HOMES Podcast, I had the pleasure of chatting with Nate Baumann from LVZ Investment Management. Nate brought his insights and expertise to give us a comprehensive look at the current financial landscape, with a focus on several key areas that are top of mind for investors. Market Overview We kicked things off with an overview of the current market. Nate highlighted the main trends and events shaping the financial world today. From economic growth indicators to geopolitical tensions, he provided a detailed snapshot of what’s been moving the markets lately. Interest Rates Interest rates have been a hot topic, and Nate did a great job explaining the recent changes and their implications. He shared his thoughts on how interest rates might evolve soon and what investors should keep an eye on. Spoiler alert: staying informed and adaptable is crucial. Presidential Election Effects With the presidential election on the horizon, we drove into how such political events historically impact the stock market. Nate discussed potential market reactions as the election approaches and offered some strategic advice for investors navigating this period of uncertainty. Importance of Diversification Even with stellar performers like NVDA capturing headlines, Nate emphasized the enduring importance of diversification. He warned of the risks associated with overconcentration in single stocks or sectors and shared tips on how to balance portfolios and manage risk while seizing opportunities. Money Markets Money markets often serve as a safe haven, and Nate shed light on their current state. He also advised on indicators that signal it might be time to move out of money markets and explored some good alternatives for conservative investors seeking other options. Audience Questions We wrapped up with a few audience questions. Nate shared one piece of advice for young families: focus on building a solid financial foundation. Lastly, for those interested in learning more about LVZ Investment Management, Nate pointed listeners to their website and resources. This episode is packed with practical advice and market insights, making it a must-listen for anyone looking to stay ahead in their financial planning. Tune in to get the full scoop from Nate Baumann! Nate's LinkedIn: https://www.linkedin.com/in/natebaumann/ LVZ Website: https://lvzinc.com/ LVZ Facebook Page: https://www.facebook.com/LVZFinancialPlanning Nate Baumann has securities offered through Harbour Investments, Inc. Advisory Services offered through LVZ, Inc. (https://lvzfinancialplanning.com/disclosures/) Connor Bauserman has securities and advisory services offered through Harbour Investments, Inc.

Wealthy HOMES Podcast Show Notes Episode 53: Protecting Your Wealth with Josh Cary from JC Insurance Welcome back to another episode of the Wealthy HOMES Podcast! I'm your host, Connor Bauserman, financial advisor with Preferred Financial Group. In this episode, we’re diving into the often overlooked but crucial aspect of wealth management: protecting your assets. To help unpack this topic, I’m joined by Josh Cary from JC Insurance, who shares invaluable insights on how to safeguard your wealth. Key Topics Covered: Guest Information: jcary@shieldagency.comWedding Insurance MIhttps://jcinsurancemi.com/ Where to Find Us: FacebookLinkedIn Don't forget to subscribe, rate, and review the Wealthy HOMES Podcast! Stay tuned for more episodes where we help you build a secure and prosperous future for your family. Securities & Advisory Services offered through Harbour Investments, Inc. Member SIPC.

In this episode of the Wealthy Homes Podcast, we're diving deep into a topic that might not always be top of mind for our age group: Social Security. Join me as we explore the origins, evolution, and future of this vital component of retirement planning. Social Security isn't just a safety net; it's a cornerstone of retirement income for many, constituting up to a third of retirees' financial support. But how did it all start? We journey back to the 17th century, when the concept of providing for the needy began with the "poor laws." Over time, societal changes led to the development of pension programs, including the Civil War pension and early company pensions, laying the groundwork for FDR's game-changing Social Security Act of 1935. Fast forward to today, and Social Security faces challenges. With demographic shifts and economic strains, the program's sustainability is in question. We explore potential solutions, from adjusting taxation to raising the retirement age. But what does this mean for you? Understanding Social Security's intricacies is crucial for maximizing benefits. We break down how your earnings history and retirement age impact your benefits, from calculating your Primary Insurance Amount to deciding when to claim benefits. And let's not forget about spousal and survivor benefits, which add layers of complexity to the decision-making process. Timing is everything when it comes to Social Security. Should you claim early at 62, wait until full retirement age, or delay until 70 for maximum benefits? We crunch the numbers and discuss factors like life expectancy and income needs to help you make informed decisions. But why should you care about Social Security now, even if retirement seems far off? The program's future affects everyone, from future retirees to current beneficiaries. By staying informed and advocating for responsible policies, we can ensure Social Security remains a reliable pillar of retirement planning for generations to come. Have questions or want to dive deeper into your financial plan? Reach out to me, Connor, at cbauserman@hirep.net, and let's secure your wealthy future together. Submit a question for Connor Here! Check out Connor in other places-> https://linktr.ee/connor_bauserman

Welcome back to another episode of the Wealthy Homes Podcast! I'm your host, Conor Bauserman, joined by James Gilbert, another financial advisor here at PFG. Today, we're diving into some anonymous questions submitted by our listeners. First up, we discussed a couple considering having one parent stay at home with their kids. With a solid financial foundation, including no debt except for a manageable truck payment, we encouraged them to go for it, emphasizing the priceless value of spending time with young children. Next, we shared our thoughts on the current state of the real estate market and the dilemma of buying below the 20% down payment threshold. We advised not to obsess over timing but rather to focus on finding a home that fits your needs and financial capabilities. Moving on, we addressed a listener's question about how much to contribute to their 401k after a pay raise. We recommended aiming for around 10-15% of income, emphasizing the importance of long-term financial planning and aggressive investment strategies for growth. Then, we tackled the issue of handling student loan debt, emphasizing the urgency of paying it off as quickly as possible. We discussed strategies like the snowball and avalanche methods to efficiently tackle multiple loans with varying interest rates. Finally, we delved into the topic of managing finances as a married couple, stressing the importance of combining finances to work towards shared goals. We suggested regular financial meetings and open communication to ensure alignment and accountability. It was a great discussion covering a range of important financial topics. Remember, if you have questions of your own, feel free to submit them anonymously through our link tree on Facebook or LinkedIn, or here. Thanks for tuning in, and we'll catch you in the next episode! The advice given is not personalized financial advice but rather general guidance based on the information provided. This episode is for informational and educational purposes only. Securities & Advisory Services offered through Harbour Investments, Inc. Member SIPC.

In this episode, Connor, your friendly host at the Wealthy HOMES Podcast, embarks on a captivating exploration of what it truly means to be wealthy. Beyond the conventional notion of financial riches, Connor reveals the five foundational pillars of genuine wealth: Money, Time, Relationships/Love, Physical Health, and Spiritual Health. Highlights: Money Matters: Connor underscores the significance of financial independence and savvy money management. He shares invaluable insights into investment strategies tailored for long-term wealth accumulation, along with practical tips for breaking free from debt and cultivating sustainable financial habits. Mastering Time: Delving into the art of time management, Connor presents effective techniques for striking a harmonious balance between work, family commitments, and personal aspirations. He emphasizes the importance of prioritizing activities that foster joy and fulfillment, while also harnessing time as a catalyst for personal and professional growth. Nurturing Relationships: Connor sheds light on the profound impact of nurturing meaningful connections with family, friends, and loved ones. He discusses the art of fostering emotional bonds and building a supportive network, all while navigating the delicate dance of maintaining work-life equilibrium. Embracing Physical Wellness: Recognizing the indispensable role of physical health in the pursuit of holistic wealth, Connor shares practical strategies for embracing a lifestyle centered around vitality and longevity. From integrating fitness regimes into daily routines to adopting wholesome dietary practices, Connor offers a holistic approach to nurturing physical well-being. Cultivating Spiritual Harmony: Lastly, Connor explores the spiritual dimension of wealth, delving into practices that foster mindfulness, gratitude, and inner peace. By aligning values with actions and embarking on a journey of self-discovery, listeners are encouraged to unlock a sense of purpose and fulfillment that transcends material possessions. Conclusion: As Connor bids farewell to listeners, he leaves them with a poignant reminder that true wealth extends far beyond the confines of monetary abundance. By embracing the holistic framework of Money, Time, Relationships/Love, Physical Health, and Spiritual Health, individuals can embark on a transformative journey towards unlocking the full spectrum of human flourishing. Stay tuned for more enriching discussions and empowering insights on financial literacy and holistic wealth-building in future episodes of the Wealthy HOMES Podcast. After all, true wealth begins with you! Link to submit your Questions!

Welcome back to another insightful episode of the Wealthy Homes Podcast! I'm Connor Bauserman, your friendly neighborhood financial advisor from Preferred Financial Group, and today, we're revisiting one of our foundational discussions: the Circle Talk 2.0. Now, if there's one episode, I'd recommend to anyone seeking financial wisdom, it's this one. As we approach our 50th episode milestone, I'm thrilled to reflect on how far we've come since our humble beginnings. The Circle Talk is all about laying the groundwork for your financial journey, and it all starts with three crucial pillars: banking/savings, investments, and insurance. First up, let's talk about banking and savings. Picture three circles on a whiteboard, each representing a pillar of money management. The first circle is all about your emergency fund. We're talking three to six months of expenses tucked away for a rainy day. Think of it as your financial safety net for life's unexpected curveballs—like that inevitable car repair or surprise medical bill. Next, we tackle big-ticket purchases and planned expenses. Whether it's a new car, a down payment on a home, or that dream vacation, it's essential to stash cash for these milestones. By keeping these funds separate from your investments, you avoid market volatility and ensure your goals stay on track. Now, onto the less glamorous—but equally vital—pillar: insurance. We start with property and casualty insurance, covering everything from your home to your wheels. Then, there's life insurance—a tough but necessary conversation. It's about protecting your loved ones and securing their future, no matter what life throws your way. When it comes to life insurance, I'm a firm believer in term policies. They offer reliable coverage at a fraction of the cost, giving you peace of mind without breaking the bank. And remember, your coverage needs will evolve over time, so it's essential to reassess regularly. But what about buying insurance through your employer? While it may seem convenient, it's not always the best long-term solution. Employer plans come with limitations and can vanish with a job change. That's why I recommend a balanced approach, mixing workplace coverage with individual policies for maximum flexibility. And let's not forget disability insurance—a lifeline if illness or injury leaves you unable to work. While often overlooked, it's a crucial safeguard against financial catastrophe. As we wrap up, remember: these pillars aren't just separate silos. They're interconnected, forming a sturdy foundation for your financial future. By prioritizing banking, savings, and insurance, you create a safety net that safeguards your investments and accelerates your path to wealth. Got questions? Reach out anytime via email, phone, or our anonymous question portal. I'm here to help you navigate the maze of financial planning and build a brighter tomorrow. Thanks for joining me on this journey. Until next time, stay financially savvy, my friends! Link to send in your questions: https://tr.ee/06NMCIkgz6

Remember those MythBusters days? I sure do! 📺 Watching entire episodes just to get that satisfying "Plausible," "Busted," or "Confirmed." 🤯 So, in the spirit of channeling my inner Adam and Jamie, I present to you a spin-off episode: Money Myths! 💸🔍 Here are 8 common financial myths being put to the test: Buying a Home is Always Better Than Renting 🏡 Carrying Credit Card Balances Boosts Your Credit Score 💳 Precious Metals Are Always a Good Investment 🪙 Giving up a daily coffee purchase is a financial game-changer ☕ Money can make you happiest 😃💰 My Partner Manages the Finances, So I Don’t Need to Know About Money 👫💼 I Have Enough Money; I Don’t Need to Budget 💸📊 All debt is bad debt 💳❌ Have you heard of these before? Be sure to tune in to hear how I get my answers! Have a Question? Submit it here- https://65st8madhpz.typeform.com/to/NwRINN0w #WealthyHOMES #Mythbusters #MoneyMyths #FinancialMyths Past performance is not a guarantee of future results. Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, & WA. Member SIPC

Having guided countless young minds through career shifts, I've gained a unique perspective on the age-old dilemma: Should I stay or should I go? 🤷‍♂️ In the aftermath of the Great Resignation spurred by COVID-19, a whopping 40% of Americans embraced change. Fast forward to 2023, and job movements hit an unexpected low. 📉 What's the deal – a post-resignation lull or a sneak peek into future job stability? Join me in decoding this career anomaly and unraveling the three key factors crucial in any career transition: Family, Money, and Benefits. 💼💰🌐 Whether you're pondering a career leap or a slight pivot, this episode is your compass. Let's navigate the career landscape together! 🚀👥 #CareerTransitions #GreatResignationLegacy #WealthyHOMESPodcast Have a question? Submit it here! Past performance is not a guarantee of future results. Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, & WA. Member SIPC

Reflecting on an incredible year of The Wealthy HOMES Podcast with a huge shoutout to the amazing 20+ guests who joined me on this financial adventure in 2023. 🌟 Building a network of dedicated individuals, all on a mission to empower young families in their financial journeys. Here's to the memories we've made and the wisdom we've shared. Excited for what 2024 has in store and the fantastic guests yet to come! 🚀 Special Thanks to the 2023 Guests: Ryan Underhill- Farmers Insurance Kyle McGann- Supreme Lending Pat & James Gilbert- PFG Gavin Homer- The Homer Group with EXP Sandy Derby- PFG Marie Davis- CPCU Chris Micklatcher- Fresh Start Tax Solutions Ryan & Esther Leonard- The Leonard Group with EXP Nate Bauman- LVZ Investment Management Kyle Frizzell- Farm Bureau Jessica Brandow- Brandow Law Nate Hicks- Painted Arrow Outdoors Caleb Grummet- Grit Strength Systems Tristan & Jackson Bredehoft- Café Rica Pat Bush- Patman Droneography Tina & Andrew Benkovsky- Mooville Rob Harrison- PFG #WealthyHOMES #PodcastJourney #Gratitude #2023 Securities & Advisory Services offered through Harbour Investments, Inc. Member SIPC.

🏠✨ Navigating the Mortgage Rollercoaster? Buckle up for some tips on taming those volatile interest rates! 🎢💰 On the latest episode-"Home Sweet Loan," Kyle and I spill the beans on steps smart homebuyers take to stay on top in the ever-changing mortgage market. 📈 Discover the secrets to riding the waves of interest rate fluctuations with finesse. From timing your purchase to exploring mortgage options, we've got your back! 🔄💡 But wait, there's more! 🚀 We're taking a deep dive into PERSONAL finances—unveiling the red flags and green flags in how people manage their money. 🚩🟢 Join us for a candid conversation on what sets you up for financial success or signals potential challenges. Tune in now on the Wealthy HOMES Podcast for insights, laughs, and a roadmap to the mortgage industry! 🎙️🔑 Kyle's Instagram: https://www.instagram.com/kylemcgann_lo/ Kyle's Website: https://kylemcgann.supremelendinglo.com/ Kyle's LinkedIn: https://www.linkedin.com/in/kyle-mcgann-495762198/ #HomeSweetLoan #FinancialWisdom #MortgageMastery #WealthyHOMESPodcast Securities & Advisory Services offered through Harbour Investments, Inc. Member SIPC.

🎙️ Episode 44: Navigating Financial Crossroads with Connor, Pat, and Rob Welcome back, Wealthy HOMES family! In this enlightening episode, Connor, Pat, and Rob dive into five thought-provoking questions submitted by our engaged audience. From the intricacies of Social Security and car loan dilemmas to navigating the landscape of cryptocurrency and seeking wisdom from biblical perspectives on investing, our hosts tackle a range of topics with their trademark expertise and candid insights. Key Questions Discussed: When to Take Social Security? - In the financial journey, timing is everything. Our hosts unravel the complexities of Social Security decisions, considering lifestyle goals, and the three-legged stool strategy for a secure retirement. Car Loans: Pay Off or Keep? - A listener in their 40s seeks advice on paying off a car loan. Connor, Pat, and Rob share practical tips, emphasizing the importance of balancing debt management with maintaining a robust emergency fund. Cracking the Code of 401(k) Investments - For our younger audience, the hosts explore optimal strategies for 401(k) investments. From contribution percentages to aggressive investment approaches, valuable advice is shared for those looking to grow their accounts efficiently. Cryptocurrency: Boom or Bust? - The trio delves into the world of cryptocurrencies, shedding light on the risks and potential rewards. Listeners get a candid perspective on the role of blockchain technology and the importance of thorough research before venturing into this volatile market. Investing Through a Biblical Lens - A unique question leads our hosts to discuss the biblical standpoint on investing. Drawing insights from biblical teachings, Connor, Pat, and Rob share thoughts on being good stewards of financial resources without letting wealth become an idol. Join us for this engaging episode filled with practical advice, financial wisdom, and a touch of spirituality. Whether you're planning your retirement, considering investments, or seeking guidance on debt, Episode 44 has something for every Wealthy HOMES listener. 🔗 Connect with Us: Have more questions? Submit them here-> https://linktr.ee/connor_bauserman Follow us on social media for updates, financial tips, and behind-the-scenes content. 🎧 Listen Now and Level Up Your Financial Wisdom with the Wealthy HOMES Podcast!

Welcome back, Wealthy Homes Podcast family! It's your friendly financial guru, Connor Bauserman, coming to you from Preferred Financial Group. Before we dive into today's topic, don't forget to hit that subscribe button and show some love on our socials – whether it's Facebook, LinkedIn, or your favorite podcast platform. And hey, leave a review, it really helps us out! Now, let's get into the nitty-gritty of investments. I know, I know, investment accounts can be a bit eye-roll-inducing, but trust me, this is essential stuff. We've got four types on the menu today, and understanding the differences is crucial – it's like deciding when to deal with taxes. First up, we've got the OG, the traditional tax-deductible account. Think IRA, 401(k), the classics. You get a tax deduction upfront, let it grow tax-deferred, and pay the taxman when you cash out. Easy peasy, right? Then there's the Roth option – pay the taxman today, watch it grow tax-deferred, and enjoy tax-free withdrawals in retirement. It's like investing in tax-free happiness for your future. Next, we've got the tax-deferred accounts, the annuities. Like sipping a fine beer, you put in after-tax money, let it grow tax-deferred, and when you start sipping those gains, that's when you pay taxes. Cheers to financial planning! Last but not least, the taxable account or brokerage account. Here, you're paying taxes as you go, like a responsible adult. Capital gains may come knocking, but hey, you're in control. Choosing the right account is like picking your favorite flavor of ice cream – personal and depends on your taste. Roth for flexibility, traditional for the upfront tax break, annuities for strategic sipping, and taxable accounts for that on-the-go cash. Remember, no matter the flavor, the key is to save, save, save. Check out episode 27 for the power of compound interest if you need a refresher. Got burning questions? Hit us up on the typeform – it's anonymous, so spill those financial beans. Thanks for tuning in, Wealthy Homes crew! Until next time, stay financially fabulous! 🚀💰 #WealthyHomesPodcast #FinancialFreedomJourney Q & A Link: https://65st8madhpz.typeform.com/to/NwRINN0w Past performance is not a guarantee of future results. Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, & WA. Member SIPC

In this episode of the Wealthy HOMES Podcast, Connor takes you on a journey through the tumultuous yet rewarding world of balancing work, family, and finances as a busy parent. Join him as he shares personal anecdotes, practical tips, and budgeting strategies to help you navigate the chaos and achieve financial wellness. Segment 1: Juggling Act – Time, Energy, and Finances Ever feel like you're trying to juggle flaming torches while riding a unicycle? Connor gets it, especially on those challenging Mondays. He explores the inevitability of hard days and provides insights to limit their impact. Segment 2: Money Matters – Budgeting and Maximizing Household Income Dive into effective budgeting strategies for families with hectic schedules. Connor suggests using apps like EveryDollar and shares his personal approach, including email folders for bills and designating a bill account. Discover ways to maximize household income without sacrificing family time and explore the hidden gems of tax deductions. Budgeting Tips: Use electronic budgets like EveryDollar. Organize bills with email folders. Create a dedicated bill account. Explore auto-draft for a financial "auto-pilot." Maximizing Income: Avoid overspending for extra savings. Uncover tax deductions, from child credits to HSA deductions. Ensure correct tax withholding to avoid interest-free refunds. Segment 3: Family Fuel – Meal Planning and Financial Health Connor emphasizes the importance of planning meals for the week to save time, money, and mental energy. Discover how Nicole plans dinners, creates grocery orders, and leverages a crockpot for stress-free meal preparation. Learn how meal planning can decrease eating out expenses and contribute to your financial health. Segment 4: Self-Care in the Chaos Parents, it's time to prioritize your well-being. Connor shares practical self-care tips, from working out to engaging in healthy hobbies. Designate time for yourself with activities like girls' or guys' nights out, group meetups, and scheduled hobbies. Learn how these practices not only enhance your life but also make you a better parent. Conclusion: Connor summarizes the key takeaways, urging listeners to share their experiences on social media. Get ready for upcoming episodes, including a Q&A session – find the link in the show notes and social media bio. Thank you for tuning in, and remember, you've got this! Q & A Link: https://65st8madhpz.typeform.com/to/NwRINN0w Past performance is not a guarantee of future results. Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, & WA. Member SIPC

Unlocking Financial Secrets: The Bull and Bear Odyssey 🎙️📈 Dive deep into the financial jungle with the latest episode of the Wealthy HOMES Podcast! 🏡 In this riveting installment, your guide, Connor, takes you on a journey through the captivating history and dynamics of bull and bear markets. 🐂📉 Discover the Untold Origins: Uncover the intriguing stories behind why it's a 'bull' and what bears were up to during fur trading. It's a saga that combines finance, history, and a dash of animal kingdom drama! 📊 Decoding the Historical Dance: Journey through time as we unravel the historical dance of bull and bear markets. How long do these financial seasons typically last? What are the three captivating parts of a bull market? All your burning questions answered! 💡 Insights for Today's Investor: Get a pulse on the current financial landscape. Where do we stand, and how can you navigate the markets effectively? Connor shares practical tips and strategies to thrive in both bull and bear markets. Tune in now and join the conversation! 🎧💬 Don't miss out on the financial wisdom that can transform your wealth journey. Subscribe, share, and embark on the Bull and Bear Odyssey with us! 🚀💰 #WealthyHOMES #BullBearOdyssey #FinancialWisdom 🏡🐂📈 Link to ask Connor a question: https://65st8madhpz.typeform.com/to/NwRINN0w

🚗 Are you on track for the ultimate retirement road trip? 🌐 A retirement plan can look a lot like a GPS. Let me draw you the analogy. 🗺️ Retirement Age: It's like setting your destination on a GPS. When do you want to arrive, and how much time until then? The clock is ticking – 35, 20, 10, 5 years? 📊 Budget and Income: Your cash flow statement is the blueprint. Are you utilizing all your income, or is there room for improvement? How well is your plan put together – pencil & paper or a high-tech Excel spreadsheet? ⛽ Current Retirement Savings: Think of it like the gas in your tank. Where are you in your journey – ahead or behind schedule? Here are some mileage checks based on age: 30: 0.5x of salary saved 40: 1.5x to 2.5x salary saved 50: 3x to 6x salary saved 60: 5.5x to 11x salary saved 📈 Evaluate Investments: Adjust your speed based on risk/reward and expected returns. What's your financial speed limit, and is your risk tolerance aligned with that? 💼 Assess Retirement Accounts: It's like assessing your ride – is it efficient? Are you in a sleek sports car, reliable hybrid family vehicle, or a slow-moving tank? Your retirement vehicle matters! 💰 Calculate Your Retirement Number: This isn't just getting to your destination; it's planning to get you home. Let's ensure you have enough gas for the whole journey! The goal is to have enough retirement savings to live off the interest. 🤝 Professional Guidance: Like having a co-pilot, a financial planner (that's me!) can guide you through the twists and turns. Consider this a pit stop for a no-cost retirement plan. Remember, it's not just about reaching your destination; it's about enjoying the entire ride. Let's make your retirement journey smooth and memorable! 🛣️ ✨ #FinanciallyOnTrack #FinancialGPS #WealthyHOMES #Ep40 Past performance is not a guarantee of future results. Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, NY & WA. Member SIPC

In this episode of the Wealthy HOMES Podcast, join Connor as he delves into the intriguing world of the "You Only Live Once (YOLO)" mentality and its profound impact on the financial lives of millennials. Over the course of the show, we'll explore three crucial steps where this mindset might be steering us off course. Step 1: Drowning in Debt and Staying Afloat Discover how YOLO can lead to accumulating debt without a clear plan to get out. Connor discusses the importance of managing debt and finding a way out of the debt cycle, offering practical tips to conquer this challenge. Step 2: Missing the Investment Express YOLO often pushes us to prioritize immediate pleasures over long-term investments. Join us as we explore the power of early investments, the magic of compound interest, and real-life success stories that emphasize the importance of starting young. Step 3: The Elusive Dream of Homeownership Homeownership may seem like a massive commitment, but delaying the process can have significant consequences. Learn about the financial advantages of owning a home, building equity, and practical advice on how to start your journey to homeownership. Don't miss this insightful discussion about the YOLO mindset and how it shapes millennials' financial choices. Connor keeps it real, engaging, and relatable, providing valuable insights to help you balance living in the moment with securing your financial future. Tune in now and make every episode of the Wealthy HOMES Podcast count! Connor Bauserman, ChFC® | Facebook | Linktree Past performance is not a guarantee of future results. Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, & WA. Member SIPC

When it comes to fantasy football and building an investment portfolio, you may not think they have much in common. But, in reality they have a lot more in common than you think! 🏈💰 Just like you draft a diverse team in fantasy football with QBs, RBs, WRs, and more, diversifying your investments is key. Spread your risk across different investment asset types and companies just like you diversify your players. And don't forget the importance of screening your picks. In fantasy, you check players' records, right? Well, in the financial game, look at investment performance, manager track records, and overall cost. But the game isn't over after the draft. Just as you snag free agents and rookies in fantasy, keep an eye on the investment market. There are opportunities everywhere, from emerging markets to new fund managers to in favor sectors. So, whether you're drafting your fantasy football dream team or crafting your investment portfolio, it's all about strategy and making the right moves. Play smart, both on the field and in your finances! 🚀🏆💸 #Investing #FantasyFootball #MoneyMoves #WealthyHOMES Past performance is not a guarantee of future results. Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, & WA. Member SIPC

🐄🍦 Get ready for a "MOO"-velous episode on the Wealthy HOMES Podcast! 🎙️ Andrew and Tina Benkovsky, from MOO-ville Creamery, join me on the show to share their family’s story🌟 No bull here, folks! 🐮 We'll be spilling the "moo"-stery beans 🥛 on how Mooville went from a small dairy farm to a beacon in their community with multiple dairy stores! 🏞️🏬 Hear about their humble beginnings, the "udderly" exciting moments, and the plans they have in store for the future. 🚀 Join us for a fun and "udderly" delightful episode that'll leave you craving ice cream 🍨 and thinking about your own entrepreneurial dreams! 🌠 #MoovilleMagic #DairyDreams #SmallBusiness #Entrepreneurship #WealthyHOMES Moo-ville Website: https://www.moo-ville.com/ Past performance is not a guarantee of future results. Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, & WA. Member SIPC

At PFG, we have over 1,000 clients. Want to know the 5 characteristics of our most successful clients? They’re really quite simple! 🔑#1. Work Smart, Work Long You don't need to be a workaholic, but working till 65? That's the golden ticket! Let your money grow and save on insurance costs. Consider part-time gigs later on. 💼 🔑 #2. Debt Is Your Ball & Chain Debt is like a weight tied to your dreams. Key #2? Crush that debt! Less cash flow to repayments = more for YOU in retirement. 🚀 🔑 #3. Ride the Investment Rollercoaster 🎢 Invest through thick and thin. It's not about timing the market; it's about time in the market. Ride those market waves and let dollar cost averaging work its magic. 📈 🔑 #4. Avoid the Market Timing Trap ⏰ Let's face it, most of us aren't market wizards. Key #4: Stop trying to time the market. It often hurts more than it helps. 🎢 🔑# 5. Don't Inflate Your Lifestyle Don't let lifestyle inflation creep up on you. 🏠 Bigger houses, fancier cars, extravagant dining—it's tempting as you climb the career ladder. But remember, a high retirement income to maintain that lifestyle isn't always sustainable. Building wealth is about choices, not just income. 💸 These golden keys aren't just for your parents' retirement; they're your ticket to financial freedom too! Start today, and you'll thank yourself later. 💪 Join me on the Wealthy HOMES Podcast for more financial wisdom to fuel your journey towards Wealth. 🎙️ Let's unlock that bright financial future together! 🌅✨ #FinancialSuccess #RetirementGoals #YoungAdults #MoneyTips #WealthyHOMES 🎧 Past performance is not a guarantee of future results. Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, & WA. Member SIPC

🚨 EMERGENCY FUND 101 🚨 Did you know that a whopping 51% of Americans have less than 3 months of savings (Bankrate)? 😱 That's like trying to navigate a financial minefield without a map! 🧭 Rule of thumb: Your emergency fund should be 3-6 months of EXPENSES, not income! 🧾 So, if pizza night is part of your budget (of course it is 🍕), that goes in there too! 💰 Now, where do you park this rainy day treasure? ☔️ Definitely not under your mattress - too lumpy! 😆 🏦 Opt for a high-yield savings account or a money market account. 💳They keep your funds secure and growing - like your own financial secret garden! 🌱💰 Your emergency fund is like your financial superhero cape – ready to swoop in when you need it most. 🦸‍♀️✨ Remember, financial superheroes are MADE, not born. 💪 Share your emergency fund tips below, and let's build a financially resilient Michigan, one slice of pizza at a time! 🍕🏠💰 #EmergencyFund101 #FinancialSuperhero #MichiganMoneyMagic #WealthyHOMES Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, & WA. Member SIPC