Beyond the Paycheck

Breaking Free from Financial Anxiety with John Hankins

jag@jagindetroit.com (Paula Christine) — Tue, 22 Apr 2025 10:55:05 +0000

Are you unknowingly sabotaging your retirement just because you're afraid to talk about money? In this episode of Beyond the Paycheck, Paula Christine sits down with financial therapist John Hankins to unpack the real emotional and mental blocks that hold people back from smart retirement planning. They explore how childhood money mindsets carry into adulthood, why people avoid financial planners, and the anxiety that comes with managing a big retirement account. You’ll also learn why visualizing your “future self” can help you make smarter decisions today. If you've ever put your finances in a drawer and walked away, this one’s for you.

John Hankins is a Certified Financial Therapist and Licensed Clinical Social Worker who helps people overcome fear, shame, and anxiety around money. Through his practice, Financial Therapy Me, he supports clients, especially those nearing or in retirement, in making confident, informed financial decisions. Blending emotional insight with practical tools, John meets people where they are and guides them toward a healthier relationship with money.

Get in touch with John Hankins:
🌐 Website: https://www.financial-therapy.me/
📧 Email: john@financial-therapy.me
📞 Phone: +1 (970) 833-1589

Episode highlights:

(0:00) Intro

(3:00) How money beliefs start early

(4:43) Retirement mindset shift needed

(6:01) The fear of facing your finances

(8:06) Why do people delay financial help

(9:48) Planning is better than panic

(13:21) The “future self” method

(16:04) Roth Vs. Pre-tax decisions

(18:33) Helping your kids financially

(21:08) Why retirement planning is harder now

(24:29) Roths, taxes, and emotional relief

(27:49) Final advice: Take the first step

(31:10) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Retirement Tax Bomb: What They Never Told You with Mel Stubbs

jag@jagindetroit.com (Paula Christine) — Tue, 15 Apr 2025 11:00:00 +0000

How much of your retirement savings is actually yours—and how much belongs to the IRS? In this episode of Beyond the Paycheck, host Paula Christine welcomes retirement planning expert Mel Stubbs to break down what most people overlook about taxes, income buckets, and the long-term impact of financial choices. From required minimum distributions and Roth conversions to Medicare premiums and inherited IRAs, this episode is packed with practical insights to help you protect your future wealth.

Mel Stubbs is a retirement planning expert at Christy Capital, specializing in helping federal employees make smart, tax-efficient decisions. He’s the author of Your FERS Federal Retirement and brings years of experience guiding clients through TSPs, Social Security, Roth conversions, and income planning. Known for his clear, practical advice, Mel is passionate about helping people keep more of their money in retirement—not give it away to taxes.

Connect with Mel Stubbs or his team:
🌐 Website: christycapital.com
💬 Click “Talk to an Advisor” to schedule a consultation

Mel Stubbs’ Book: Your FERS Federal Retirement
📘 Get it at: christycapital.com/decisions

Episode highlights:

(0:00) Intro

(1:44) Required distributions and tax jumps

(3:26) Roth Vs. Traditional contributions

(4:49) Widow tax trap explained

(5:52) Medicare premiums and RMDs

(7:19) Charitable giving from IRA

(9:02) Inherited IRA and 10-year rule

(10:39) Life insurance to offset taxes

(12:19) Tax buckets: Roth, pre-tax, non-qualified

(14:41) Know what’s actually yours

(16:50) Pass on wisdom before money

(17:46) DIY or delegate retirement planning

(18:30) Specializing in federal retirement

(19:42) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

What Your Credit Score Says About You (and How to Fix It) with Yordan Marin

jag@jagindetroit.com (Paula Christine) — Tue, 8 Apr 2025 10:50:08 +0000

In today’s episode of Beyond the Paycheck, Paula Christine sits down with credit expert Yordan Marin from Plant Money Habits LLC to break down how credit really works—and what you can do to raise your score, even if you're currently in debt. From increasing credit limits the smart way to helping your teen build credit before 18, you’ll hear practical, easy-to-apply tips that make a real difference.

Yordan Marin is the founder of Plant Money Habits, where he helps people improve their credit, eliminate debt, and build strong financial habits. Originally a financial coach, Yordan shifted his focus when clients repeatedly asked for help with credit repair. Today, he combines credit education with practical tools to empower others to take control of their finances. He’s also passionate about teaching kids and teens how to develop healthy money habits early on.

Get in touch with Yordan Marin:
Website: https://plantmoneyhabits.com/
LinkedIn: https://www.linkedin.com/in/yordan-marin-b70342170/

Episode highlights:

(0:00) Intro

(1:04) Yordan’s journey into credit coaching

(2:08) Why more credit can actually help

(5:32) Debt consolidation with personal loans

(7:19) Why credit cards are so easy to overuse

(11:41) Collections, disputes, and credit reports

(18:11) Steps to improve a low credit score

(20:39) How teens can start building credit

(25:38) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Get Your Mind Right: The 7 Steps Every Winner Follows with Dennis Henson

jag@jagindetroit.com (Paula Christine) — Tue, 1 Apr 2025 11:00:00 +0000

What’s stopping you from becoming who you were meant to be? In this episode of Beyond the Paycheck, Paula Christine connects with Dennis J. Henson, a lifelong learner and author, to talk about one small habit that can shift everything—reading something positive each day. They discuss why most people never reach their goals, how to break free from negative thinking, and the real reason massive action feels so hard. You’ll also hear powerful stories of transformation, practical tools to reset your mindset, and a unique way to find your life’s direction.

Dennis J. Henson is a bestselling author, speaker, and educator who’s spent over 50 years helping people create success through simple daily habits. From band director to real estate investor, his journey proves that with the right mindset and a clear goal, anything is possible. His book Real Impact, Daily Inspiration offers powerful daily readings to help you stay focused, motivated, and on track.

Connect with Dennis J Henson:
Website: https://dennisjhenson.com/
LinkedIn: https://www.linkedin.com/company/dennis-j-henson-author/
Facebook: https://www.facebook.com/DJHFB
Instagram: https://www.instagram.com/dennisjhenson/
YouTube: https://www.youtube.com/channel/UCy8AyEAp0Byq2Mz36i7Ba1w
Free E-book: https://www.realimpactbook.com/

Episode highlights:

(0:00) Intro

(1:05) Dennis’s story and his love for books

(3:50) How daily reading changes your direction

(6:30) Morning routines that make a difference

(8:00) Favorite books and the power of habit

(14:30) Shifting mindsets and killing negative thoughts

(21:30) Helping young people find their path

(27:00) From struggling student to drumline leader

(35:11) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Healthy, Rich and Happy: The 4 Pillars of Daily Success with Jacopo Iasiello

jag@jagindetroit.com (Paula Christine) — Tue, 25 Mar 2025 11:00:00 +0000

In this episode of Beyond the Paycheck, Paula Christine welcomes author and entrepreneur Jacopo Iasiello to explore his four-pillar method from his book Healthy, Rich, and Happy. They discuss how meditation, prayer, biohacking, and exercise can align your mindset, health, and purpose to create a more fulfilling and successful life. Jacopo shares his personal journey from real estate to inner transformation and offers actionable tips for building daily rituals that drive lasting change.

Jacopo Iasiello is a real estate entrepreneur, investor, and author. Originally from Naples, Italy, Jacopo blends business acumen with spiritual insight, helping others unlock success through a holistic, four-part method: meditate, pray, biohack, and exercise. He draws on decades of experience in real estate and personal development, offering a grounded yet visionary approach to achieving fulfillment. His work is endorsed by high-achieving leaders and supports charitable efforts to restore dignity to those experiencing homelessness.

Learn more about Jacopo Iasiello:
Website: https://healthyrichandhappy.com/
Instagram: https://www.instagram.com/jacopoiasielloinvestorbroker
LinkedIn:https://www.linkedin.com/in/jacopo-iasiello-50936244

Episode highlights:

(0:00) Intro

(02:18) Overview of Jacopo’s four-pillar method

(03:07) Meditation with clear purpose

(04:55) Aligning spirituality with business

(07:08) Finding your peak energy window

(09:55) Daily reflection through four key questions

(12:40) How to pray with intention

(17:08) Intro to biohacking and energy tools

(24:40) Customizing exercise for your body

(27:30) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

From Invisible to Influential: Mastering Personal Branding with Liana Zavo

jag@jagindetroit.com (Paula Christine) — Tue, 18 Mar 2025 11:00:00 +0000

Is hard work enough, or is your reputation the key to success? In this eye-opening episode of Beyond the Paycheck, Paula Christine chats with Liana Zavo, a PR and branding expert, to reveal why your brand can open more doors than your resume ever will. They discuss the power of authenticity, consistency, and visibility and how even 9-to-5 professionals can use branding to land better opportunities. Liana also shares why transparency builds trust, how video content can skyrocket your credibility, and why playing it safe online might cost you career growth.

Liana Zavo is the Founder and CEO of ZavoMedia PR Group, a top global PR firm. With 20+ years of experience, she helps professionals build powerful personal brands through storytelling and visibility. A passionate advocate for authenticity, Liana works with CEOs, entrepreneurs, and thought leaders to elevate their influence and credibility worldwide.

Reach out to Liana Zavo:
Website: https://zavomediapr.com/
Email: hello@zavomediapr.com
LinkedIn: https://www.linkedin.com/in/lianazavoprpro

Episode highlights:

(0:00) Intro

(1:52) The power of personal branding

(3:07) Authenticity and emotional connection

(5:23) How branding boosts career opportunities

(6:32) Being open about personal struggles

(9:04) Embracing imperfection in your brand

(10:44) Liana’s journey into PR and branding

(17:41) The way you make people feel is your brand

(20:33) Why personal branding matters for everyone

(22:12) The importance of video content

(26:30) Liana’s 21-day branding challenge

(27:39) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Free Money Exists—And You’re Missing Out with Matthew Lesko

jag@jagindetroit.com (Paula Christine) — Tue, 11 Mar 2025 11:00:00 +0000

Are you missing out on free resources that could change your life? In this episode of Beyond the Paycheck, Paula Christine welcomes back Matthew Lesko, the expert on government grants and financial assistance. He shares practical ways to access funding for education, business, and personal needs—without falling into online scams. Discover where to find grants, how to get free help from experts, and why talking to real people is the secret to success. If you or someone you love struggles with school costs, business growth, or job training, this episode is packed with valuable insights. Don't let confusion hold you back—help is out there!

Matthew Lesko is a government grants expert, bestselling author, and energetic advocate for free financial resources. Known for his iconic question-mark suits, he has spent over 40 years helping people access funding, business support, and financial aid. A former Navy veteran with an MBA, Matthew has written multiple books on uncovering government assistance and now runs LetsGoHelp.com, a community dedicated to connecting people with life-changing opportunities.

Get in touch with Matthew Lesko:
Website: https://www.free.lesko.com/
Email: matthew.lesko@gmail.com

Episode highlights:

(0:00) Intro

(2:20) Where grant money really comes from

(5:50) Why you need to talk to real people

(8:30) Financial aid for trade schools and apprenticeships

(12:29) Support for single parents in school

(15:18) Free help for writing business plans

(16:55) How to apply for government contracts

(22:10) The joy of giving and helping others

(25:57) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Love Isn’t a Financial Plan: Why Women Must Take Control with Abbe Large

jag@jagindetroit.com (Paula Christine) — Tue, 4 Mar 2025 12:00:00 +0000

Are you truly financially secure? Many women leave money matters to their partners—until life forces them to take control. In today’s episode of Beyond the Paycheck, Paula Christine connects with financial expert Abbe Large to uncover the hidden risks of financial inaction. From life insurance pitfalls to must-have money talks, they share real stories and practical steps to take charge. Don’t wait for a crisis—tune in now and own your financial future!

Abbe Large, CLU, CLTC, is a Managing Director at Lenox Advisors with nearly 30 years of experience in financial services, estate planning, and asset management. She helps clients protect their wealth, structure executive benefits, and plan for the future. Recognized by Forbes as a top financial security professional, Abbe is passionate about empowering women to take charge of their finances. She’s also a wife, mom of three, and outdoor enthusiast.

Connect with Abbe Large:
Website: https://www.lenoxadvisors.com/
Email: alarge@lenoxadvisors.com
LinkedIn: https://www.linkedin.com/in/abbeflarge/

Episode highlights:

(0:00) Intro

(4:24) Why women must be involved in finances

(7:01) Changing the conversation with men

(10:41) What keeps women up at night?

(16:43) How women can get financially educated

(21:42) The three stages of financial life

(25:40) Estate planning: Wills, power of attorney & more

(29:47) Why you need the correct documents

(32:12) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Master Your Money Story: The Mindset Shift That Changes Everything with Estelle Gibson

jag@jagindetroit.com (Paula Christine) — Tue, 25 Feb 2025 12:00:00 +0000

Does your mindset hold you back from financial success? In this episode of Beyond the Paycheck, Paula Christine sits down with holistic financial coach Estelle Gibson, who shares how your beliefs about money—often shaped by childhood, society, and past experiences—affect your financial reality. She breaks down the four levels of money beliefs and introduces her five-step process to help you shift from scarcity thinking to financial confidence. Learn how to set a vision for your future, overcome limiting beliefs, and take small but powerful steps toward financial freedom.

Estelle Gibson is a holistic financial coach, speaker, and author who helps people overcome financial stress and build lasting wealth. With a background in accounting and personal experience overcoming financial struggles, she blends practical money skills with mindset shifts. She’s the author of The Choice and Overcome Rewrite Your Money Story, which guides readers in transforming their financial beliefs.

Learn more about Estelle Gibson:
Website: https://www.journey-to-freedom.com/
Books: The Choice & Rewrite Your Money Story (Available on her website)

Episode highlights:

(0:00) Intro

(3:46) Fear and money: Why both rich and poor worry

(7:09) The four levels of money beliefs

(11:58) Estelle’s five-step process for financial success

(16:49) How vision shapes financial decisions

(17:49) The power of support and sharing dreams

(21:25) Recognizing signs of mindset shifts

(25:39) Letting go of expectations & trusting the process

(29:56) Journaling exercise to release limiting beliefs

(32:09) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

How to Crush Self-Doubt, Impostor Syndrome, and Fear with Karen Gray

jag@jagindetroit.com (Paula Christine) — Tue, 18 Feb 2025 12:00:00 +0000

Is choosing yourself the key to success? Confidence, imposter syndrome, and money beliefs hold many people back. In today’s episode of Beyond the Paycheck, Paula Christine chats with coach Karen Gray to discuss breaking free from self-doubt, shifting your mindset, and stepping into your full potential. Karen shares her journey of overcoming people-pleasing, embracing abundance, and changing limiting beliefs. If you’ve ever questioned your worth, this episode will challenge you to see yourself differently.

Karen Gray is an Intuitive Leadership Coach helping women build confidence, break past self-doubt, and create lasting success. With 30+ years in finance, she rose from teller to branch manager and later became a Financial Advisor—without a degree. As a single mother of four, she’s faced and overcome personal challenges, fueling her passion for coaching. Karen’s ViQ (Value Intelligence) Method helps women transform limiting beliefs into abundance. She also hosts The Rock Movers podcast, inspiring others to step into their power.

Get in touch with Karen Gray:
Website: https://coachkarengray.com/
LinkedIn: https://bit.ly/4gLYyMf
Instagram: https://www.instagram.com/coachkarengray/
Facebook: https://www.facebook.com/KarenGrayCoach/

Episode highlights:

(0:00) Intro

(1:28) Why we get stuck in self-doubt

(3:00) Karen’s personal story of self-worth

(7:53) The power of vision and gratitude

(10:54) Letting go of control & trusting the process

(19:52) Overcoming imposter syndrome

(23:00) Money mindset & rewriting your financial story

(28:07) Fear of success & playing small

(36:20) Choosing yourself is not selfish

(39:40) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Stop Guessing, Start Earning: The Truth About Retirement Income with Steve Selengut

jag@jagindetroit.com (Paula Christine) — Tue, 11 Feb 2025 12:00:00 +0000

Are you saving for retirement but unsure how to turn it into a steady income? In this episode of Beyond the Paycheck, Paula Christine welcomes Steve Selengut, author of Retirement Money Secrets, to share what most retirees get wrong—and how to fix it. From 401(k) strategies to income-focused investing, Steve reveals how to make your money work for you. Tune in and take control of your financial future!

Steve Selengut is an investment expert and author of Retirement Money Secrets. He began investing at 25 and built a career managing portfolios focused on income generation. After selling his business in 2023, he now coaches individuals on retirement income strategies.

Learn more about Steve Selengut:
Website: https://theincomecoach.net/
Email: steve@theincomecoach.net
Phone: 838-243-0494 (Monday to Friday, 9 am to 5 pm Eastern)
Facebook: https://www.facebook.com/groups/954938162597753
LinkedIn: https://www.linkedin.com/in/privateinvestmentmanagement/
YouTube: https://www.youtube.com/@steveselengut

Episode highlights:

(0:00) Intro

(1:26) Guest introduction: Steve Selengut and his book Retirement Money Secrets

(3:07) Average retirement age and when people start planning

(4:31) The biggest mistake retirees make with their portfolios

(6:27) How to generate reliable income from investments

(8:43) Explaining investments in simple terms

(14:10) The importance of setting profit-taking thresholds

(18:04) Should you choose a Roth or a traditional 401(k)?

(23:02) The benefits of active investing Vs. Automatic rebalancing

(26:18) Comparing passive income from stocks Vs. Real estate

(32:40) Steve’s biggest investment mistake and what he learned

(35:58) Where to find Steve’s book and additional resources

(37:10) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Free Money Economy: Matthew Lesko’s Guide to Financial Opportunities

jag@jagindetroit.com (Paula Christine) — Tue, 4 Feb 2025 12:00:00 +0000

What if the money you need is already out there—just waiting for you to claim it? In today’s episode of Beyond the Paycheck, Paula Christine connects with grant expert Matthew Lesko to reveal hidden financial resources. Learn how to access business grants, free training, rent assistance, and low-cost healthcare. Don’t miss these practical tips to secure the help you need!

Matthew Lesko is a government grants expert, bestselling author, and energetic advocate for free financial resources. Known for his iconic question-mark suits, he has spent over 40 years helping people access funding, business support, and financial aid. A former Navy veteran with an MBA, Matthew has written multiple books on uncovering government assistance and now runs LetsGoHelp.com, a community dedicated to connecting people with life-changing opportunities.

Get in touch with Matthew Lesko:
Website: https://www.free.lesko.com/
Email: matthew.lesko@gmail.com

Episode highlights:

(0:00) Intro

(2:06) Why Google isn’t the best place to find help

(3:46) How to access free business support

(4:51) SBA’s free local business resources

(8:24) How people secure $100,000 in funding

(9:22) EDA grants for business owners

(11:09) Networking for entrepreneurs on Meetup

(13:17) Discovering 2,720 free resources in your area

(16:02) Finding free or low-cost healthcare & dental care

(20:27) How to get out of debt with free counseling

(21:51) Free job training and skills development

(23:12) The importance of asking for help

(28:25) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Power of No: Reclaiming Joy and Self-Worth with Matt Gerlach Part 2

jag@jagindetroit.com (Paula Christine) — Tue, 28 Jan 2025 12:00:00 +0000

Are you taking small steps toward significant changes? In this episode of Beyond the Paycheck, Paula Christine continues her conversation with Matt about creating meaningful plans, overcoming obstacles, and finding joy. Matt shares his own experiences of transitioning his business, pursuing surrogacy, and learning to embrace life's challenges with patience and grace. This conversation offers wisdom to help you shift your mindset, achieve personal goals, and find fulfillment in daily life.

Matt Gerlach, founder of Rise to Your Worth, helps high achievers unlock their potential through personal growth, boundary-setting, and aligning their goals with purpose. Drawing from his journey of healing and self-discovery, Matt empowers clients to achieve emotional and financial abundance. He also hosts the podcast MATTers of the Mind and is writing his first memoir. Based in Los Angeles, Matt eagerly anticipates becoming a father in 2025.

How to connect with Matt Gerlach:
Website: https://mattgerlach.com/
Instagram: https://www.instagram.com/iammattgerlach/
TikTok: https://www.tiktok.com/@iammattgerlach
LinkedIn: https://www.linkedin.com/in/matt-gerlach/
Podcast: MATTers of the Mind: Rise to Your Worth

Dream Life - 6-Step workbook to creating your dream life

Book a complimentary coaching session with Matt!

Episode highlights:

(0:00) Intro

(1:43) The importance of in-person connections

(4:12) Belief and emotional transformation

(7:58) Contentment and growth over time

(12:47) Parenting and personal reflection

(16:24) Lessons from coaches and mentors

(19:44) Obstacles as indicators of progress

(22:48) Enjoying the journey: Prioritizing life goals

(25:15) Reframing scarcity and financial freedom

(27:12) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Power of No: Reclaiming Joy and Self-Worth with Matt Gerlach Part 1

jag@jagindetroit.com (Paula Christine) — Tue, 21 Jan 2025 12:00:00 +0000

Are you ready to live a life filled with joy, fulfillment, and freedom? In today’s episode of Beyond the Paycheck, Paula Christine welcomes Matt Gerlach to share the first three steps of his six-step process for personal growth. Learn how to assess where you are, set meaningful goals, and tackle limiting beliefs that may hold you back. Matt's insights on journaling, forgiveness, and boundary-setting will inspire you to prioritize yourself and create a life you love.

Matt Gerlach, founder of Rise to Your Worth, helps high achievers unlock their potential through personal growth, boundary-setting, and aligning their goals with purpose. Drawing from his journey of healing and self-discovery, Matt empowers clients to achieve emotional and financial abundance. He also hosts the podcast MATTers of the Mind and is writing his first memoir. Based in Los Angeles, Matt eagerly anticipates becoming a father in 2025.

Dream Life - 6-Step workbook to creating your dream life

Book a complimentary coaching session with Matt!

Episode highlights:

(0:00) Intro

(1:26) Matt Gerlach’s journey: investing in personal growth

(2:22) The six-step process overview

(2:54) Step 1: Assess where you are

(5:20) Understanding trauma and limiting beliefs

(7:33) The role of forgiveness in healing

(13:47) Step 2: Setting goals for your life

(20:45) Step 3: Clearing what’s in your way

(24:29) Why setting boundaries matters

(25:38) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Secret to Thriving Retirement with Wendy Leggett

jag@jagindetroit.com (Paula Christine) — Tue, 14 Jan 2025 12:00:00 +0000

Are you worried about how to spend your retirement years meaningfully? Many retirees feel lost, unsure of how to fill 24/7 free time or maintain their sense of purpose. In this episode of Beyond the Paycheck, Paula Christine welcomes Wendy Leggett, a seasoned retirement coach, to discuss realistic ways to thrive after work. Learn why planning for retirement goes beyond finances, how to align your daily life with your values, and ways to build new connections and rediscover purpose. Don't miss Wendy's tips for starting small and setting a fulfilling vision for your future!

Wendy Leggett is a certified retirement coach and founder of Conflux Retirement Coaching. With a background in sales leadership, she helps individuals prepare for a fulfilling retirement by focusing on emotional, social, and financial well-being. Wendy's "No Regrets Retirement" framework empowers clients to redefine their identity, build confidence, and find purpose in this new chapter of life.

Learn more about Wendy Leggett:
Website: https://confluxretirementcoaching.com/
LinkedIn: https://www.linkedin.com/in/wendyleggett/
Facebook: https://www.facebook.com/confluxretirementcoaching
Email: wendy@confluxretirementcoaching.com

Episode highlights:

(0:00) Intro

(2:06) Why financial plans aren't enough

(3:52) Overcoming boredom and TV traps

(6:14) Building friendships and social networks

(9:45) Steps to a no-regrets retirement

(15:57) A client's journey to a purposeful retirement

(25:26) Aligning values for a fulfilling retirement

(27:02) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Start Strong: Simple Steps to Crush Your 2025 Goals with Kevin Palmieri

jag@jagindetroit.com (Paula Christine) — Tue, 7 Jan 2025 12:00:00 +0000

Ready to make 2025 your best year yet? In today’s episode, Paula Christine, and Kevin share simple steps to set and stick to goals. Learn how to break down dreams into actionable steps, stay motivated with tools like vision boards, and celebrate small wins. Paula shares how a positive mindset helped her manifest her dream home and turn the impossible into reality. Whether you're paying off debt, saving, or investing, this episode offers practical tips to help you succeed!

Episode highlights:

(0:00) Intro

(1:04) Setting goals with a post-it note party

(2:08) Categorizing goals into key areas of life

(4:11) Realistic Vs. Stretch goals

(9:48) Self-improvement’s role in financial growth

(12:18) Three key financial goals: Debt, savings, and investment

(16:44) Using visual cues and apps for commitment

(22:05) Overcoming discomfort and ego for growth

(24:57) Small steps toward big goals

(27:27) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Turn Failures Into Financial Power with Kevin Palmieri

jag@jagindetroit.com (Paula Christine) — Tue, 31 Dec 2024 12:00:00 +0000

Was your year a financial success? In this episode of Beyond the Paycheck, Paula Christine and Kevin discuss how to reflect on your progress, even if you didn’t set formal goals. From understanding good vs. lousy debt to building an emergency fund and celebrating small victories, this episode is packed with practical advice and inspiration. Discover how small steps can lead to significant changes in your financial confidence. Ready to make 2025 your year of economic growth?

Episode highlights:

(0:00) Intro

(1:30) What defines a successful financial year?

(3:36) Evaluating purchases: Best & worst of the year

(6:38) The importance of regular financial check-ins

(8:45) Understanding good Vs. Bad debt

(10:59) Building an emergency fund to avoid credit card debt

(14:28) The Paula pep talk: Moving forward after setbacks

(19:48) Small steps toward financial freedom

(21:31) Celebrating wins & shifting your mindset

(22:55) Encouragement to set and share your goals

(23:28) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Truth About Seller Concessions with Marc Edelstein

jag@jagindetroit.com (Paula Christine) — Tue, 24 Dec 2024 12:00:00 +0000

Can seller concessions really save you thousands? Is paying off your mortgage before retirement a smart move? In this episode of Beyond the Paycheck, Paula Christine joins forces with mortgage expert Marc Edelstein to tackle these questions and more. Together, they break down the benefits of seller concessions, reveal the truth about interest rate buy-downs, and share tips for planning a stress-free financial future. Whether buying, refinancing, or deciding when to pay off your home, this episode will help you make more intelligent, confident financial decisions.

Marc Edelstein is a trusted loan officer in metro Detroit. He is passionate about helping clients make smart mortgage decisions. Known for his clear, practical advice, Marc tailors solutions to each client’s financial goals. He leverages his years of experience to simplify homeownership and empower buyers to succeed.

Get in touch with Marc Edelstein:
Website: https://www.thatmortgagebanker.com/
LinkedIn: https://www.linkedin.com/in/maedelstein
Email: medelstein@rossmortgage.com
Phone: 248-379-6749

Episode highlights:

(0:00) Intro

(1:22) The scenario: Seller concessions on a $300,000 house

(2:30) How to use $9,000 in concessions wisely

(6:00) Breaking down interest rate buy-downs

(10:30) Why flashy social media advice isn’t always accurate

(17:30) When refinancing makes sense

(23:00) Should you pay off your mortgage before retiring?

(25:30) Planning your retirement lifestyle

(28:48) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

From Scarcity to Success: Smart Risks That Change Everything with Nick Jain

jag@jagindetroit.com (Paula Christine) — Tue, 17 Dec 2024 12:00:00 +0000

What risks are you willing to take to create a better future? In this episode of Beyond the Paycheck, Paula Christine welcomes Nick Jain, CEO of IdeaScale, who shares his inspiring journey from humble beginnings to building a life filled with success and purpose. From embracing long-term thinking to overcoming the fear of failure, Nick reveals how you can evaluate risks and take small but meaningful steps toward your goals—starting a business, advancing your career, or creating more opportunities for your family. If you’re ready to stop letting fear hold you back, tune in to discover how smarter decisions can unlock the rewards you deserve.

Nick Jain is the CEO of IdeaScale, the world’s largest innovation software company, serving global giants like Comcast and Pfizer. Born in India and raised in Canada, Nick’s early experiences instilled in him the value of long-term thinking and intelligent decision-making. With a background on Wall Street and as the founder of a small investment firm, Nick now drives companies to success as a professional CEO. He is passionate about family, lifelong learning, and taking calculated risks to create a life of purpose.

Connect with Nick Jain:
Website: http://nickjain.com/
LinkedIn: https://www.linkedin.com/in/nickjain/
Company Website: https://ideascale.com/

Episode highlights:

(0:00) Intro

(2:53) Lessons from growing up: saving, investing, and long-term thinking

(6:03) Cultural differences in intergenerational investing

(12:41) The importance of taking risks for rewards

(14:39) Facing fears and practical examples of risk assessment

(18:42) Advice for individuals: time, financial risk, and goal prioritization

(26:01) Using expected value to make smarter decisions

(29:58) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Affordable Joy: Unique Holiday Hacks

jag@jagindetroit.com (Paula Christine) — Tue, 10 Dec 2024 12:00:00 +0000

Looking for holiday gift ideas that won’t break the bank? What if you could give meaningful and memorable gifts without spending a fortune? In this episode, Paula Christine shares creative, budget-friendly ideas to help you bring joy to your loved ones this season stress-free. From homemade gifts to shared experiences or even thoughtful re-gifts, you’ll discover how to make the holidays memorable on a budget. Tune in for tips, inspiration, and Paula’s holiday challenge!

Episode highlights:

(2:07) Homemade gifts and handwritten notes

(4:30) Experience-based gifts

(5:39) Free or low-cost activities

(6:41) The value of re-gifting thoughtfully

(7:38) Digital gifts

(9:12) Stretching your budget

(11:00) How to plan your holiday spending

(14:22) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Optimizing Your Investments: Strategies for a Secure Retirement with Kevin Palmieri

jag@jagindetroit.com (Paula Christine) — Tue, 3 Dec 2024 12:00:00 +0000

What’s the most brilliant way to invest in your 50s to ensure a comfortable retirement? In this episode of Beyond the Paycheck, Paula Christine and Kevin Palmieri answer Suzanne’s burning question, diving into practical advice on managing risk, balancing growth, and considering options like bonds and annuities. Whether you’re worried about market downturns or catching up on savings, this episode offers actionable steps to make your money work for you.

Episode highlights:

(0:36) Investments for retiring in 10 years

(2:04) Balancing growth and stability in your 50s

(2:57) Breaking down annuities and their benefits

(5:02) Adjusting investments to manage risk and ensure growth

(7:23) The power of compounding: Early Vs. Late investing

(11:10) Why hiring a financial planner makes sense

(12:43) Overcoming financial planning shame and guilt

(13:34) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Owning Vs. Renting: What No One Tells You About the Trade-Offs with Kevin Palmieri

jag@jagindetroit.com (Paula Christine) — Tue, 26 Nov 2024 12:00:00 +0000

In this episode of Beyond the Paycheck, Paula Christine teams up with Kevin Palmieri to share honest and practical advice about renting and owning a home. Paula opens up about her journey, weighing the costs of homeownership—from handling high interest rates to saving for surprise repairs. Whether you’re thinking about buying your first home or you’re comfortable renting, this episode offers helpful tips to guide you in making the right choice for your lifestyle and budget. Don’t miss this conversation—it could save you time, money, and stress!

Episode highlights:

(1:49) Renting: Flexibility and hidden advantages

(4:25) Buying: Interest rates, equity, and affordability

(7:27) How much to save for unexpected costs

(14:06) Delegating tasks: DIY Vs. Hiring professionals

(21:54) The internal weight of owning a home Vs. Renting

(24:34) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Winning The Home Buying Game with Dani Hallsell

jag@jagindetroit.com (Paula Christine) — Tue, 19 Nov 2024 12:00:00 +0000

In this episode of Beyond the Paycheck, Paula Christine connects with expert realtor Dani Hallstall. They discuss why the average first-time buyer is now nearly 40, the challenges of rising costs, and how to make informed decisions in today’s competitive market. Learn what to look for in a realtor, why inspections and warranties matter, and how recent commission changes could affect your bottom line. Don’t miss this engaging conversation packed with real estate tips you can trust.

Dani Hallsell is a dedicated real estate professional with over 25 years of experience. Based in Ann Arbor, Michigan, she works with Next Home Victors, specializing in helping clients with everything from first-time home purchases to downsizing. Known for her personalized approach and deep market knowledge, Dani empowers her clients to make confident real estate decisions. In her free time, she enjoys outdoor activities and staying engaged with her community.

Connect with Dani:
Website: https://danihallsell.nexthomevictors.com/
Email: dani@danihallsell.com
Phone: 734-623-9442
Facebook: https://www.facebook.com/DaniHallsellRealtor/
LinkedIn: https://www.linkedin.com/in/danihallsell/

Episode highlights:

(0:00) Intro

(3:18) Why first-time homebuyers are getting older

(5:33) Housing shortages and rising costs

(10:38) How to find a trustworthy and effective realtor

(14:03) The role of marketing in selling a home

(17:03) The importance of home inspections and warranties

(24:32) Understanding commission changes in the real estate industry

(29:14) How commission changes impact buyers and sellers

(31:25) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Tackle Tax Trouble Head On with Morgan Q. Anderson, EA

jag@jagindetroit.com (Paula Christine) — Tue, 12 Nov 2024 12:00:00 +0000

In this episode of Beyond the Paycheck, Paula Christine welcomes tax expert Morgan Anderson to talk about crucial steps for staying on top of taxes, the importance of regular check-ins with financial experts, and the tragic stories of business owners who suffered due to mismanagement or embezzlement. Together, they discuss practical advice on how to stay compliant, avoid massive tax debt, and protect your hard-earned money. Tune in to learn valuable lessons that could save you from costly mistakes.

Morgan Q. Anderson, EA, is a tax expert and founder of Golden Lion Tax Solutions. She specializes in tax debt resolution and helps individuals and businesses manage complex tax issues and regain financial stability. Known for her compassionate approach, Morgan is a trusted advisor dedicated to making tax challenges easier for her clients.

Connect with Morgan:

Book: https://g.page/r/CfmtfjrKooanEAI/review.
Website: https://www.goldenliontaxsolutions.com/
LinkedIn: https://www.linkedin.com/in/morgan-anderson-ea/
Facebook: https://www.facebook.com/GoldenLionTaxSolutions

Episode highlights:

(0:00) Intro

(2:28) Monthly payment strategy for self-employed

(4:06) Importance of mid-year tax review

(8:43) How tax strategies can reduce liability

(14:43) Extension pitfalls and tax debt consequences

(16:49) Setting financial boundaries to avoid “Pyramiding” debt

(24:08) Embezzlement case story and lessons

(37:13) Advice for aspiring business owners on financial preparedness

(41:15) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Practical Tips for Overcoming Scarcity and Building Wealth Intentionally with Thomas Blottenberger

jag@jagindetroit.com (Paula Christine) — Tue, 5 Nov 2024 12:00:00 +0000

In this episode of Beyond the Paycheck, Paula dives into money mindset and financial habits with financial advisor Thomas Blottenberger. They discuss the psychology behind spending, why traditional budgeting often fails, and how designing cash flow supports guilt-free spending and savings goals. Together, they uncover how shifting from reactive to intentional money management provides the freedom to make empowered financial choices. Whether navigating unpredictable income or overcoming habitual spending, this conversation offers valuable insights and practical strategies to help you journey to financial mastery.

Thomas Blottenberger is an experienced financial advisor focused on financial mindset, cash flow design, and personal wealth strategies. With a practical, candid approach, he helps clients move beyond restrictive budgeting to create intentional habits that promote financial freedom and security. By addressing the psychology behind spending and saving, Tom empowers individuals to align their money choices with their values and goals, guiding them toward financial independence with awareness and conscious decision-making.

Connect with Thomas:
Website: https://paradigmshift.adxleader.com/

LinkedIn: https://www.linkedin.com/in/thomasblottenberger/overlay/contact-info/

Episode highlights:

(0:00) Intro

(2:42) Mindset beyond the paycheck

(4:34) Tom’s journey and money mindset

(7:39) Common financial stories and challenges

(9:03) Why budgeting often fails

(13:59) Effective cash flow design

(15:46) Strategies for intentional spending

(20:18) Psychology of spending

(26:10) Envelope method in modern money management

(28:33) Real Freedom in Financial Awareness

(32:21) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Planning for a Secure Retirement: Social Security Insights

jag@jagindetroit.com (Paula Christine) — Tue, 29 Oct 2024 11:00:00 +0000

In this episode of Beyond the Paycheck, Paula Christine addresses key questions about Social Security, retirement timing, and planning for different financial scenarios. With a listener's query in mind, Paula and Kevin discuss when to start collecting Social Security, the impact of spousal benefits, and considerations for delayed retirement. They also touch on common mistakes, like rushing into decisions without fully understanding the tax implications or the long-term consequences for a spouse. Whether single, married, or divorced, this episode offers valuable insights to ensure financial security throughout retirement.

Episode highlights:

(0:00) Intro

(1:26) Key factors for early retirement

(2:12) Delaying Social Security for higher benefits

(3:02) Social Security in spousal scenarios

(5:09) Common Social Security mistakes

(6:25) Tax implications of Social Security

(8:33) Social Security after divorce

(9:51) Survivor benefits explained

(12:15) Calculating the cost of living in retirement

(15:45) The reality of expenses in retirement

(16:24) Importance of early retirement planning

(20:37) Special considerations for the self-employed

(22:13) Power of compounding: Why start early

(23:53) Changing your mindset on financial planning

(24:40) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

From Tech to Dough: The Entrepreneurial Highs, Lows, and Lessons Learned with Mark Kwiatkowski

jag@jagindetroit.com (Paula Christine) — Tue, 22 Oct 2024 11:00:00 +0000

In this episode of Beyond the Paycheck, Paula Christine talks with Mark Kwiatkowski, a former pizzeria owner who shares the highs and lows of running a small business. Mark reflects on his experience purchasing and managing a pizza place, the financial pitfalls he faced, and the lessons learned about cash flow, unexpected costs, and the importance of financial backup. His honest story offers practical advice for aspiring entrepreneurs on what to prepare for before taking the plunge into business ownership.

Mark Kwiatkowski is a former small business owner and current fitness equipment salesman. With a background in software and restaurant ownership, Mark has navigated the challenges of entrepreneurship, losing $80,000 in the process. He shares his experience to help others avoid common pitfalls and understand the importance of financial preparation when starting a business. Mark now writes on LinkedIn, focusing on business lessons and financial planning for future entrepreneurs.

Connect with Mark:

LinkedIn: https://www.linkedin.com/in/mark-kwiatkowski-25419314/

Episode highlights:

(0:00) Intro

(01:33) Impact of 9/11 on his software business

(02:27) Why Mark chose a pizza place

(03:40) Challenges and losing $80k

(05:56) Importance of financial backup

(09:53) Misinformation from the seller

(11:56) His friend’s successful business setup

(15:48) Reflection on opportunity cost

(17:23) The "Great Cheese Heist" story

(19:02) Final thoughts on business ownership

(21:23) How to find Mark’s articles

(21:31) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Is It Time to Buy a House? Timing, Options, and Strategies in Today's Market with Marc Edelstein

jag@jagindetroit.com (Paula Christine) — Tue, 15 Oct 2024 11:00:00 +0000

In this episode, Paula Christine sits down with Marc Edelstein from Ross Mortgage to discuss whether it's still an excellent time to buy a home despite rising interest rates and high housing prices. He offers expert advice on real estate investing, dispels common myths about down payments, and explains why waiting to buy could cost you in the long run. Paula Christine and Marc also touch on refinancing, first-time homebuyer programs, and Marc’s unique role as a certified divorce lending professional.

Marc Edelstein is a Certified Divorce Lending Professional (CDLP) and mortgage expert with Ross Mortgage Corporation. Specializing in divorce mortgage planning, Marc assists homeowners and divorce teams in navigating complex property and mortgage issues during divorce. His in-depth knowledge helps clients avoid costly mistakes while identifying conflicts between the divorce settlement, home equity, and mortgage structures. With over 20 years of experience, Marc provides tailored solutions to ensure divorcing homeowners make informed financial decisions, whether they retain or sell their property.

Connect with Marc:

Website: https://www.divorcelendingassociation.com/offices/marc-edelstein.cfm

LinkedIn: https://www.linkedin.com/in/maedelstein/

Facebook: https://www.facebook.com/ThatMortgageBanker/

X: https://www.twitter.com/marcedelstein

Episode highlights:

(0:00) Intro

(1:12) Why Marc says "no waiting" on buying

(3:05) Housing market trends, interest rates, affordability and future appreciation

(6:56) Building wealth through homeownership

(8:47) The role of inflation in mortgage rates

(12:44) Down payment options: 3%, 0%, and more

(15:15) First-time homebuyer programs explained

(18:38) Bi-weekly payments and mortgage payoffs

(25:07) How to reach Marc for mortgage advice

(27:06) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Simplifying Estate Planning: Key Steps You Can Take Now with Adam Zuckerman

jag@jagindetroit.com (Paula Christine) — Tue, 8 Oct 2024 11:00:00 +0000

Today on Beyond the Paycheck, Paula Christine is joined by Adam Zuckerman, founder of Buried in Work, to dive into the crucial yet often uncomfortable topic of estate planning. Adam shares his personal story of how his father’s passing led him to simplify estate transitions, turning his experience into a thriving business. They discuss why everyone—regardless of age or wealth—needs an estate plan, the importance of power of attorney, and keeping beneficiaries up to date. Plus, Adam shares invaluable tips for organizing your estate and avoiding common pitfalls.

Adam Zuckerman is the founder of Buried in Work, a platform designed to simplify estate planning and end-of-life tasks. A former attorney and entrepreneur with experience across various industries, including startups and hedge funds, Adam’s personal experience of handling his father’s estate inspired him to create tools and resources that make the process easier for families. His platform offers comprehensive checklists, guides, and services to help people prepare their estates and handle the complexities that follow a loved one’s passing.

Connect with Adam:

Website: https://www.buriedinwork.com/

LinkedIn: https://www.linkedin.com/company/buriedinwork

Facebook: https://www.facebook.com/buriedinwork

Instagram: https://www.instagram.com/buriedinwork/

Youtube: https://www.youtube.com/@buriedinwork

X: https://x.com/buriedinwork

Episode highlights:

(0:51) Adam’s personal story about his father’s passing and the birth of Buried in Work

(3:20) Why estate planning is essential for everyone, not just the wealthy

(5:11) Importance of power of attorney and keeping beneficiaries updated

(10:12) Ladybird deeds, wills, and trusts—what you need and when.

(13:42) The Clear Kit: A tool to organize estate documents

(15:18) Digital legacy: The importance of managing online accounts and passwords

(19:49) Legacy Safeguard and Discretionary Disposal Service: Ensuring privacy post-death

(25:55) How to get in touch with Adam

(26:18) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Leasing vs. Buying: What's Right for Your Wallet?

jag@jagindetroit.com (Paula Christine) — Tue, 1 Oct 2024 11:00:00 +0000

In this episode of Beyond the Paycheck, Paula Christine dives deep into the pros and cons of leasing vs. buying a car. Joined by her producer, Kevin, they address common listener questions and share their personal experiences. From budget considerations to the flexibility of modifications and the reliability of having a new vehicle every few years, Paula and Kevin discuss factors influencing the decision-making process when acquiring a car. Whether you're leaning toward leasing or buying, this episode offers practical advice to help you make the right choice for your lifestyle and finances.

Episode highlights:

(01:08) Listener question on buying or leasing a car

(02:58) Kevin's experience with leasing and the appeal of a new vehicle

(03:55) The pros and cons of leasing, especially for female clients

(04:35) Interest rates and the long-term cost of ownership

(06:10) Paula’s thought process on buying a car and involving her family

(07:19) Down payments for leasing.

(8:24) Hidden costs in car leasing and common misconceptions.

(9:10) Budgeting for a car and making sure it aligns with financial goals

(12:01) Challenges with breaking a lease early

(14:19) Preparing for a dealership visit and making informed decisions.

(20:52) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Busting Money Myths with Money Mindset Expert Pericles Rellas (Part 2)

jag@jagindetroit.com (Paula Christine) — Tue, 24 Sep 2024 11:00:00 +0000

In the second part of this two-part series on Beyond the Paycheck, Paula Christine continues her conversation with guest Pericles Rellas on the transformative power of mindset. They explore how focusing on what you want, rather than what you don't, can reshape your financial and personal life. Pericles shares actionable insights on resetting your financial thermostat, overcoming mental blocks, and living a more fulfilling life. This episode offers practical advice to help listeners make lasting changes and achieve their goals.

Pericles Rellas is a Money Mindset Expert with 25+ years of experience helping individuals and businesses reshape their relationship with money. He pioneered the concept of the "financial thermostat," which reveals how beliefs impact financial success. Through his coaching, Pericles empowers clients to break through money blocks, reset their financial thermostats, and achieve lasting wealth. His approach combines practical strategies with an understanding of the energy behind money, delivering transformative results for those pursuing financial freedom and fulfillment.

Connect with Pericles:

Website: https://www.periclesrellas.com/

LinkedIn: https://www.linkedin.com/in/pericles-rellas-95429a163

Twitter: https://twitter.com/periclesrellas

YouTube: https://www.youtube.com/watch?v=wYyeiVokvUc

Podcast: https://podcasts.apple.com/ph/podcast/entrepreneur-usa-part-2-money-mindset-coach-pericles/id1621663218?i=1000663910899

Episode highlights:

(0:38) Persevering vs. letting trauma control you

(3:06) Focus on what you want, not what you don’t

(5:07) Manifest positive outcomes; remove toxic people

(6:47) Reset relationships; stop complaint cycles

(11:15) Break through personal growth blocks

(14:13) Let go of past limitations without origin

(16:20) Adapt when things stop working

(18:02) Practice gratitude for a positive mindset

(19:35) How to connect with Pericles Rellas

(21:19) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Busting Money Myths with Money Mindset Expert Pericles Rellas (Part 1)

jag@jagindetroit.com (Paula Christine) — Tue, 17 Sep 2024 11:00:00 +0000

In the first part of this two-part episode, host Paula Christine dives into the world of financial mindset with guest expert Pericles Rellas. Together, they break down the three major money myths holding people back and explore how to reset your financial thermostat to earn more, save more, and experience a truly abundant life. Pericles shares practical insights on how money flows like energy and provides a powerful three-step process to overcome financial blocks. Get ready to shift your money mindset and take control of your financial future.

Pericles Rellas is a seasoned Money Mindset Expert with over 25 years of experience helping individuals and businesses transform their relationship with money. Specializing in financial mindset coaching, he has developed the concept of the "financial thermostat," which explains how personal beliefs shape financial success. Pericles is dedicated to empowering clients to overcome money blocks, reset their financial thermostats, and achieve lasting wealth and fulfillment. His work blends practical strategies with insights into the energy of money, offering transformative results for those seeking financial freedom.

Connect with Pericles:

Website: https://www.periclesrellas.com/

LinkedIn: https://www.linkedin.com/in/pericles-rellas-95429a163

Twitter: https://twitter.com/periclesrellas

YouTube: https://www.youtube.com/watch?v=wYyeiVokvUc

Podcast: https://podcasts.apple.com/ph/podcast/entrepreneur-usa-part-2-money-mindset-coach-pericles/id1621663218?i=1000663910899

Episode highlights:

(1:05) Pericles’ experience and the concept of financial thermostats

(2:24) Three money myths explained

(5:54) How money flows and how to keep it from going back

(10:05) Three steps to reset your money mindset

(14:48) Paula’s personal experience with financial manifestation

(18:42) How your brain stops manifestation

(23:20) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Achieving a Debt-Free Degree: College Success and Financial Freedom with Elizabeth (DrRoz) Rosner

jag@jagindetroit.com (Paula Christine) — Tue, 10 Sep 2024 11:00:00 +0000

In this episode of Beyond the Paycheck, Paula Christine sits down with DrRoz to tackle the issue of student debt and how to graduate college without it. DrRoz, author of DebtFreeDegree, shares her proven blueprint for navigating college finances with a focus on grants, scholarships, and return on investment. They discuss the realities of higher education costs, alternative pathways like trade schools, and the importance of mindset when planning for a debt-free degree. Whether you’re a parent, student, or mid-career professional considering a degree, this episode provides practical, actionable strategies to avoid being burdened by student loans.

Elizabeth (DrRoz) Rosner is an educator, speaker, and author of DebtFreeDegree. With over two decades of experience in education, DrRoz is dedicated to helping students and families navigate the complex world of college funding without falling into debt. She developed the GRIT blueprint, a proven strategy that empowers individuals to graduate debt-free by leveraging scholarships, grants, and smart financial decisions. DrRoz is passionate about breaking the student loan dependency cycle and believes everyone deserves access to affordable education. She regularly hosts webinars and has established debt-free degree clubs nationwide.

Connect with DrRoz:

Website: https://drroz.love/

Instagram: https://www.instagram.com/debtfreedegreewithdrroz/

LinkedIn: https://www.linkedin.com/in/drelizabethrosner/

Youtube: https://www.instagram.com/debtfreedegreewithdrroz/

Check out her book: DebtFreeDegree: How to Graduate Without Student Loans While Getting Good Grades, Having Tons of Fun, and Landing Your Dream Job! - https://amzn.to/3XFeTLd

Episode highlights:

(02:06) DrRoz explains the GRIT blueprint

(04:52) The loan forgiveness loophole and debt struggles in education

(05:35) Chiropractic student debt nightmare

(07:46) Why parents should encourage debt-free college early on

(10:52) The importance of personal sacrifice in achieving a debt-free degree

(12:40) Considering trade schools as a pathway to financial freedom

(16:44) Why college gen ed requirements make no sense for specialized careers

(19:57) Mapping out a debt-free degree plan

(21:49) Ways to work with DrRoz and her free resources

(28:16) Ask for help

(29:12) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Elevate Your Wealth: Money Mindset Tips from Jenny Whichello

jag@jagindetroit.com (Paula Christine) — Tue, 27 Aug 2024 11:00:00 +0000

Unlock the secrets to financial success as Paula Christine chats with renowned money coach Jenny Whichello. Despite her impressive expertise in corporate finance, Jenny opens up about her personal struggles with a scarcity mindset that sabotaged her financial well-being. Influenced by Eckhart Tolle's "A New Earth," she transformed her subconscious beliefs to align with her financial goals, making mindset a key component in achieving long-term financial stability.

Jenny Whichello is a former award-winning Chief Financial Officer with extensive experience in several startup companies. She holds a Bachelor’s degree in Accounting from Virginia Tech, an MBA from George Washington University, and an Executive Certificate in Financial Planning from Northwestern University. After passing the Certified Financial Planner® exam in 2021, Jenny dedicated herself to empowering women to live abundantly as a money mindset and financial planning coach.

Growing up with confusing stories about money, Jenny inherited limiting beliefs that led to poor financial decisions in her 20s. Today, she leverages her personal experiences and professional expertise to help others overcome similar challenges and achieve financial success.

Connect with Jenny:

Website: https://jennywhichello.com/

Instagram: https://www.instagram.com/blissandwealth/

Website 2: https://www.blissandwealth.com/

FREE Course: https://www.blissandwealth.com/reset

Episode highlights:

(1:02) How Jenny got started

(6:56) Tools she uses to change her client's mindset

(11:45) How they do "visioning"

(16:03) Start with gratitude

(18:58) Inner wealth and outer wealth

(24:20) How to find Jenny

(26:32) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Transforming Life Through Financial Literacy with Andrew Van Alstyne

jag@jagindetroit.com (Paula Christine) — Tue, 20 Aug 2024 11:00:00 +0000

Can understanding financial literacy truly transform your life? Join Paula Christine in an insightful conversation with Andrew Van Alstyne, as they uncover the profound impact of financial education on achieving long-term goals. They discuss the everyday challenges many face when stepping into adulthood and the common hesitation parents experience in teaching financial principles to their children. Discover the importance of early financial education and how instilling good money habits in children can pave the way toward a financially secure and fulfilling future.

Andrew is a seasoned financial advisor dedicated to delivering optimal results for his clients through strategic financial planning and investment analysis. With expertise in wealth management, retirement planning, tax optimization, and estate planning, Andrew helps individuals and businesses achieve their financial goals. He is known for his solution-driven approach, exceptional communication skills, and ability to navigate complex financial environments.

Andrew's commitment to building long-term relationships ensures personalized guidance tailored to each client's unique needs. He is also passionate about financial education, empowering the next generation with essential money management skills. Whether crafting holistic financial plans or focusing on specific strategies, Andrew is devoted to helping clients make informed decisions that align with their long-term goals and values.

Connect with Andrew:

Email: andrewvanalsten@ffadvisor.com

Website: https://forfiduciary.com/meet-andrew-van-alstyne

LinkedIn: linkedin.com/in/andrewvanalstyne

Episode highlights:

(01:00) Teaching kids financial basics and starting money conversations early

(04:25) The "work-optional lifestyle" and finding purpose beyond wealth

(07:22) Philanthropy and purposeful spending

(8:44) Guiding clients from scarcity to financial peace

(11:43) Biggest success with a client

(14:05) Advice for young adults: financial planning as a marathon

(15:05) Involving children in family financial decisions

(19:09) Parents' role in shaping financial understanding

(24:23) Closing remarks and contact information

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

From Overwhelm to Empowerment: Creating Life-Changing Boundaries with Barb Nangle

jag@jagindetroit.com (Paula Christine) — Tue, 13 Aug 2024 11:00:00 +0000

Imagine navigating life without clear boundaries, torn between the desire to help others and the need to protect your well-being. Today, Paula is joined by Barb Nangle, a boundaries coach who transformed her life through a 12-step recovery from codependency. Barb's candid account of her journey from emotional turmoil to self-love and assertiveness is inspiring and educational. Together, they discuss the emotional hurdles she overcame, the profound shifts in her relationships, and the indispensable role of self-awareness in setting healthy boundaries. They also discuss the practicalities of productivity and unlock the secrets to mastering time management. Discover how aligning your schedule with your values can lead to a healthier, more fulfilling life.

Barb Nangle is a boundaries coach who empowers professional women to prioritize their needs. With a background in 12-step recovery and life coaching, she offers a unique perspective on healing and growth. A former addict and people-pleaser herself, Barb understands the challenges of setting boundaries and living authentically. Through her coaching, speaking, and writing, she guides clients to transform their lives by establishing healthy boundaries in both personal and professional spheres. Barb is also the host of the "Fragmented to Whole" podcast, where she shares insights on recovery and personal growth. She is committed to social justice and uses her privilege to advocate for marginalized communities.

Connect with Barb:

Website: https://higherpowercc.com/

LinkedIn: https://www.linkedin.com/in/barbnangle/

Instagram: https://www.instagram.com/higherpowercoaching/

Youtube: https://www.youtube.com/channel/UCB5T-17iGHMUozUCXFDfqVg

Podcast: https://higherpowercc.com/podcast/

Episode highlights:

(0:51) Barb's journey to focusing on boundaries

(3:00) The problem that she loves to solve for people

(5:32) Gaining self-trust and self-worth

(7:35) Determine your top five values

(9:02) Time-boundaries and productivity tips

(15:10) Self-care and filling your cup first

(19:06) Finding your purpose

(23:39) Boundaries are sometimes walls

(26:46) How to connect with Barb

(28:04) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Innovative Real Estate Investing Strategies with Dr. Axel Meierhoefer

jag@jagindetroit.com (Paula Christine) — Tue, 6 Aug 2024 11:00:00 +0000

In this episode, Paula Christine dives into real estate investing with guest Dr. Axel Meierhoefer, a seasoned investor with over 15 years of experience. Axel shares his journey from an Air Force career to becoming a successful real estate entrepreneur, offering practical insights and strategies for those looking to break into the market. They discuss the initial challenges, the importance of long-term planning, and innovative methods like tokenized real estate investing, which makes it possible to start with as little as $50. Whether you're new to real estate or looking to expand your knowledge, this episode is packed with valuable advice.

After a distinguished Air Force career and an executive role at a software company, Axel Meyerhofer founded a consulting firm in 2005. The 2009 Great Recession sparked his interest in real estate, leading him to master the 1031 exchange process. Axel and his wife successfully transformed high-value properties into a diversified real estate portfolio, achieving significant financial independence.

Relocating to San Diego, they navigated real estate complexities, ultimately owning nine properties with 80% leveraged financing. Their success inspired Axel to create the IDEAL Wealth GROWER system, where he mentors individuals on achieving economic independence. Through eBooks, an app, and personalized mentoring, Axel helps others attain the freedom and security of a robust real estate portfolio.

Connect with Axel:

Website: https://idealinvestorshow.com/

Podcast: https://idealinvestorshow.com/

LinkedIn: https://www.linkedin.com/in/ameierhoefer/

Episode highlights:

(0:53) Axel’s journey from Air Force to real estate investing

(3:06) Dispelling the 20% down payment myth.

(4:54) Investing in real estate with $50

(8:17) How tokenized real estate investing works

(10:20) Turnkey Providers: Simplifying real estate investment

(15:07) Addressing tokenized investing concerns

(20:25) Can you lose on tokenized investments

(23:34) Amplifying returns with mortgages

(28:50) Market Performance: Importance of property performance

(32:07) How to reach Axel

(33:10) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Master Your Money: Practical Tips and Strategies with Kevin Palmieri

jag@jagindetroit.com (Paula Christine) — Tue, 30 Jul 2024 11:00:00 +0000

In this engaging episode of "Beyond the Paycheck," host Paula Christine is joined by her producer, Kevin, as a co-host to discuss practical and insightful financial strategies. Paula and Kevin explore the thought processes behind daily purchases, budgeting effectively, and maintaining a healthy money mindset. They delve into common misconceptions about credit cards, the importance of understanding one’s financial situation, and the benefits of side hustles and passive income. With relatable examples and a conversational tone, Paula and Kevin provide valuable advice on navigating financial decisions and staying disciplined in managing money.

Kevin Palmieri is the CFO, entrepreneur, and the driving force behind the highly successful podcast Next Level University. After a journey from rock bottom to resilience, he dedicated his life to helping others overcome adversity and achieve their full potential. With a deep understanding of mindset, habits, and personal growth, Kevin empowers listeners to break free from limitations and create extraordinary lives. As a sought-after speaker and coach, he brings a no-nonsense, heart-centered approach to his work, inspiring audiences worldwide.

Connect with Kevin:

Website: https://www.nextleveluniverse.com/about/

Email: kevin@nextleveluniverse.com

Facebook: https://www.facebook.com/kevin.palmieri.90

LinkedIn: https://www.linkedin.com/in/kevin-palmieri-5b7736160/

Episode highlights:

(1:01) Daily budgeting and spending habits

(4:20) Common misconceptions about credit cards

(5:22) Importance of knowing your financial numbers

(6:49) Shifting your money mindset

(9:26) Balancing comfort and financial discipline

(12:42) Building passive income with side hustles

(13:22) Common misleading financial advice

(15:19) Overcoming difficult financial situations

(19:47) Negotiating and saving money

(24:01) Assessing home affordability

(26:16) Protecting your finances with insurance

(29:02) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Finding Passion and Joy in Career Transitions with Scott Maderer

jag@jagindetroit.com (Paula Christine) — Tue, 16 Jul 2024 11:00:00 +0000

In this episode, Paula Christine discusses navigating career dissatisfaction with guest Scott Maderer. They explore how to transition from a job you hate to one you love, discover your passions, and make meaningful life changes. Scott shares his journey from aspiring doctor to teacher, corporate executive, and finally, a life coach. They dive deep into the importance of self-discovery, balancing passion with practicality, and the power of continuous growth. Whether you're a young adult or a seasoned professional, this episode offers valuable insights to help you live a fulfilling life.

Scott Maderer, MBA, is a personal coach dedicated to helping you master your time, talent, and treasures so you can live out your calling. With expertise in leadership, management, financial education, coaching, teaching, and personal finance, Scott offers valuable insights and practical advice to help you achieve a fulfilling and balanced life. Discover more about Scott's work and services at Inspired Stewardship.

Connect with Scott:

LinkedIn: https://www.linkedin.com/in/csmaderer/

Website: https://inspiredstewardship.com/

Course: https://inspiredstewardship.com/paycheck/

Episode highlights:

(0:53) The struggle of not knowing what you want to do in life

(3:03) Paula and Scott share their childhood career aspirations

(5:09) Scott's career path

(6:30) Identify your passions by looking for common themes

(12:54) Scott presents a future envisioning exercise

(18:55) How to guide young adults

(26:20) Importance of self-motivation

(28:10) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

How to Maximize Your Insurance Budget

jag@jagindetroit.com (Paula Christine) — Tue, 9 Jul 2024 11:00:00 +0000

In this episode, Paula Christine dives into practical strategies for saving money on your insurance policies. She shares her top five tips from auto to homeowners insurance to help you cut costs without compromising coverage. Learn the importance of shopping around, bundling policies, raising deductibles, taking advantage of discounts, and regularly reviewing your policies. Tune in for insightful advice that could put extra cash back in your pocket. Join Paula and discover how simple efforts can lead to significant savings.

Episode highlights:

(0:58) Compare prices

(1:54) Bundle policies

(2:33) Raise your deductible

(4:20) Take advantage of discounts

(5:06) Review and update your policies regularly

(6:54) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Tips for Maximizing Fun While Minimizing Costs

jag@jagindetroit.com (Paula Christine) — Tue, 25 Jun 2024 11:00:00 +0000

This episode is packed with creative hacks to maximize fun without breaking the bank. Today, Paula Christine covers sneaky credit card tricks, finding dirt-cheap travel deals, and ways to save on gifts that won't feel cheap. Plus, learn how to spruce up your home for free, explore nature's playground, and leverage the power of groups for discounts and fantastic community events. She also talks about delicious (and budget-friendly) potlucks, epic game nights, and the ultimate no-spend weekend challenge. Tune in and turn your frown upside down without draining your wallet!

Episode highlights:

(1:07) Take advantage of credit card points

(3:12) Off-season travel and how to find cheap flights

(5:03) Saving on cards and gifts

(6:44) Spruce up your home

(8:26) Explore nature

(10:30) Group discounts

(10:59) Community events

(11:50) Potluck dinners

(12:56) Game nights

(13:35) No-spend weekend

(14:15) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

From Dreams to Reality: Budgeting for Your Goals

jag@jagindetroit.com (Paula Christine) — Tue, 18 Jun 2024 11:00:00 +0000

Today, Paula Christine explores practical budgeting tips to achieve your goals. She stresses tracking expenses to uncover habits and cut unnecessary costs, citing her unexpected landscaping expenses as a budget wake-up call.

Paula Christine shares her journey towards owning a dream house and planning a vacation, emphasizing how goals give purpose to financial planning. She talks about meal planning, automating savings, using cash back or rewards programs, and regular budget reviews to ensure financial discipline and adjustments.

She also highlights a significant discount on her budget tracking course, a valuable resource to help you manage your finances effectively. You can find it here: https://paulachristine.com/budget-tracker-2/

Episode highlights:

(0:48) Track every penny

(3:57) Set clear financial goals

(5:55) Meal planning and using existing resources

(7:22) Automating savings for growth

(8:56) Utilizing cash-back apps and rewards programs

(9:46) Importance of regular budget reviews

(9:51) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Money Talk: Empower Your Wallet with Practical Financial Strategies with Skyler Fleming

jag@jagindetroit.com (Paula Christine) — Tue, 11 Jun 2024 11:00:00 +0000

In this episode, Paula Christine interviews Skyler from the podcast "Money Talk with Skyler Fleming." Skylar shares his journey from working in a credit union to starting his podcast to demystify money matters. He emphasizes the lack of conversation around finances and the need for simple discussions to help people overcome financial challenges. Skyler's top tips include tracking expenses, being patient with budgeting, and seeking advice from peers and financial professionals. He also advocates for regular budget meetings to align financial goals and priorities. Reflecting on what he wishes he had known earlier, Skyler highlights the importance of starting financial conversations early and understanding the power of compound interest. The conversation touches on practical strategies like meal planning, using sinking funds, and leveraging tools like HSAs for financial security. Throughout the discussion, Paula and Skyler emphasize the importance of effective open communication and collaboration in managing finances.

Skyler Fleming is a passionate individual who enjoys discussing money matters. He is the creator of the podcast “Money Talk with Skyler Fleming,” which he developed to spare his wife from his enthusiastic chatter about personal finances.

Skyler firmly believes in the importance of open conversations about money. He is convinced that everyone can benefit and grow from listening to each other’s ideas on personal finances. This belief forms the core message of his podcast. He aims to stimulate discussions about personal finances, empowering listeners and their friends to achieve financial success.

Find Skyler:

Website: https://moneytalkwithskylerfleming.com/

Facebook: https://www.facebook.com/MoneyTalk.SkylerFleming

Instagram: https://www.instagram.com/moneytalk.skylerfleming/

Youtube: https://www.youtube.com/@MoneyTalk.SkylerFleming

Resources: https://moneytalkwithskylerfleming.com/resources

Episode highlights:

((0:48) Skyler's journey into finance and starting his podcast

(03:16) Overcoming the fear and stigma around discussing money

(06:12) Skyler's top three tips for managing finances

(9:40) Strategies for staying within budget

(12:24) Utilizing sinking funds for long-term financial goals

(13:56) Monthly budget meetings

(15:39) The significance of starting financial education early

(18:29) Insights on the power of compound interest

(19:51) Where to find Skyler

(20:39) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Turning Solo Income Into Wealth with Ryan Derousseau (Part 2)

jag@jagindetroit.com (Paula Christine) — Tue, 4 Jun 2024 11:00:00 +0000

Today, Paula Christine and Ryan continue their discussion on building wealth. They will guide you through the intricacies of wealth building, focusing on investments and real estate. Learn how to leverage your income through smart market investments and transform your business into a saleable asset. The episode demystifies the practicalities of real estate investment, such as generating cash flow and maximizing tax deductions. They also tackle the emotional aspects of money management, breaking down the stigma around financial conversations. This episode is a beacon for those seeking to transform their financial situation, emphasizing that financial success is achievable through education, action, and seeking help when needed.

Ryan Derousseau, an independent journalist and writer, specializes in investing, personal finance, and business. A regular contributor to Fortune Magazine, his work has been featured in numerous publications, including CNBS, The New York Times, and CNNMoney.com, among others. He authored “The Everything Guide to Investing in Cryptocurrency,” a comprehensive guide to safe investment in this new asset class. Ryan holds an English degree from the University of Texas at Austin and a Master’s in Business Journalism from New York University. He resides in Long Island with his family and enjoys Kansas basketball, Texas football, gardening, and cooking in his spare time.

Find Ryan:

Website: https://www.ryanderousseau.com/

LinkedIn: https://www.linkedin.com/in/ryanderousseau/

X: https://twitter.com/RyanDerous

Get the free e-book: https://thinkingcapfinancial.com/selfemploymentincometowealth/

Episode highlights:

(0:00) Intro

(1:01) Investing options when working for yourself vs an organization

(2:28) Real estate investments

(8:07) Continuous steps done continually

(11:31) It's not too late

(13:40) Want to work vs forced to work

(15:34) Perception of where you want to be in life

(17:22) Positive mindset

(18:51) Ask for help

(20:48) How to connect with Ryan

(21:06) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Turning Solo Income Into Wealth with Ryan Derousseau (Part 1)

jag@jagindetroit.com (Paula Christine) — Tue, 28 May 2024 11:00:00 +0000

Today, Paula Christine chats with Ryan Derousseau, a seasoned fee-only financial advisor and part-time author. Ryan shares practical strategies for building passive income streams from real estate and online courses, shedding light on the effort required to make these ventures successful. He also introduces the powerful concept of flow-based budgeting, a practical tool to help you manage fixed and flexible expenses, ensuring your investment decisions are wise and sustainable. Other topics discussed in the episode include tax strategies, saving tips, and retirement investments.

Find Ryan:

Website: https://www.ryanderousseau.com/

LinkedIn: https://www.linkedin.com/in/ryanderousseau/

X: https://twitter.com/RyanDerous

Get the free e-book: https://thinkingcapfinancial.com/selfemploymentincometowealth/

Episode highlights:

(0:00) Intro

(0:44) Difficulty for business owners to build wealth

(3:13) Building multiple streams of income

(4:21) Flow-based budgeting

(6:13) Tax strategies

(10:17) Investing in retirement accounts

(11:35) Budget projections and savings

(16:01) Ryan's book

(19:35) How to find Ryan

(15:54) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Strategies for Shaping Your Financial Future in Your 20s

jag@jagindetroit.com (Paula Christine) — Tue, 21 May 2024 11:00:00 +0000

Have you ever wondered how to make your money work for your dreams? In this episode, Paula Christine shares tips on having a mindset that loves wealth and setting goals that match your heart’s desires. By understanding your money personality and using strategies to grow your money, you can reach big goals like retiring early or buying your dream home, all while living within your budget.

Episode highlights:

(0:00) Intro

(1:06) Positive mindset

(1:48) Your money personality

(2:03) Set goals

(2:35) Financial health

(3:11) Risk factors

(4:09) Investment options

(4:48) Tax and investment strategy

(6:06) Passive income strategy

(7:50) Education

(8:25) Be flexible

(9:15) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Smart Saving Strategies for New Home Expenses

jag@jagindetroit.com (Paula Christine) — Tue, 14 May 2024 11:00:00 +0000

Today, Paula Christine takes you on her journey from being a renter to becoming a homeowner. She talks about the money hurdles and lessons she learned during this big life shift. She stresses the need for smart budgeting in all parts of owning a home, from ensuring furniture fits before buying it to cutting back on subscriptions and shopping for the best prices.

Paula Christine points out that changing how you spend money is key. She suggests doing DIY projects instead of hiring pros and looking for free or cheap fun stuff to do for entertainment, among other ways to cut costs. Paula highlights the importance of keeping a balanced budget to stay financially stable, especially when you have new bills like a mortgage and home upkeep costs.

By sharing her own experiences and practical tips, you can learn helpful ways to handle the financial side of owning a home, save more money, and secure your financial future.

Episode highlights:

(0:00) Intro

(1:15) Measure before you purchase

(2:03) Ways to cut costs

(4:49) Do projects yourself

(5:39) Shopping smarter

(8:23) Have inexpensive fun

(10:08) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Mindset Makeover: Strategies for a Life of Abundance and Fulfillment with Lucie Lynn

jag@jagindetroit.com (Paula Christine) — Tue, 7 May 2024 11:00:00 +0000

In this episode, Paula Christine discusses mindset struggles and solutions with mindset coach Lucie Lynn (Lucie Ptasznik). Lucie delves into the concept of self-fulfilling prophecy, explaining how our thoughts shape our reality and emphasizing the importance of operating from a peak emotional state to make better decisions. They explore shifting from a Newtonian to a quantum model of the world, taking control of our thoughts, and breaking free from victimhood. Lucie highlights the power of meditation in raising awareness of our thoughts and offers practical techniques for rewiring the subconscious mind. She also shares insights on fostering self-worth, utilizing affirmations, and embracing gratitude. Additionally, Lucie introduces her 16-week program aimed at transforming one's identity and offers listeners exclusive access to a FREE training series. This episode provides valuable insights and practical strategies for cultivating a positive mindset and overcoming limiting beliefs, making it a must-listen for anyone seeking personal growth and transformation.

Lucie Ptasznik, also known as Lucie Lynn, is a captivating National Speaker and Manifestation Coach known for inspiring transformation through her personal experiences of placing faith over fear. Lucie graduated with Summa Cum Laude honors from the University of Michigan, where she became fluent in Spanish, Portuguese, and French. She made the courageous decision to leave the comfort and security of Corporate America to follow her passion and live life on her terms. Lucie specializes in teaching people the principles of quantum physics, the laws of the universe, and the power of intention.

As a passionate advocate for meditation, Lucie empowers others to kickstart their meditation journeys and visualization practices to accelerate their success. She is fascinated by mind-hacking tools and techniques to reprogram the subconscious mind, emphasizing the importance of repetitious study, releasing limiting beliefs, and crafting new empowering narratives.

Find Lucie:

Facebook: https://www.facebook.com/Luciesbubble

Facebook Group: TRANSFORMATION NATION - https://www.facebook.com/groups/1122152502119884

FREE program: https://ultimatesuccessblueprint.com/ (Use the code: PAYCHECK)

Website: https://www.lucielynn.com/

Youtube: https://www.youtube.com/channel/UC_3RHHLoipJ1j3mlodoR0Vg

Instagram: https://www.instagram.com/coachlucielynn/

Episode highlights:

(0:00) Intro

(0:56) The impact of emotional state on decision-making

(3:43) Switching from a Newtonian to a quantum model of the world

(9:02) How to turn negative suggestions around

(11:08) Using meditation to shift your perspective

(14:12) Techniques for shifting negative thoughts and affirming self-worth

(21:09) How to connect with Lucie (and get a free program)

(24:10) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Thrifty Treasures: Creating Budget-Friendly Moments with Kids

jag@jagindetroit.com (Paula Christine) — Tue, 30 Apr 2024 11:00:00 +0000

Creating priceless family memories doesn't have to come with a hefty price tag. As parents and caregivers strive to provide enriching experiences for their children, finding ways to do so without straining the budget becomes increasingly important. In this episode, Paula Christine shares some ideas and tips for having fun with your kids without breaking the bank.

Episode highlights:

(0:00) Intro

(1:13) Time ideas outdoors and at home

(4:33) Giving back to the community

(5:19) Backyard campout

(5:56) Family photoshoot

(6:57) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Finding Love on a Budget: Creative Date Ideas

jag@jagindetroit.com (Paula Christine) — Tue, 16 Apr 2024 11:00:00 +0000

Today, Paula Christine shares an array of imaginative date ideas that are as kind to your bank account as they enchant your heart. Whether it's a DIY spa night or a cozy outdoor movie setup, romance is ripe for the picking in ways you've never imagined. The aim is to demonstrate that a fulfilling love life doesn't require grand gestures or expensive outings. It's about the heartfelt effort, the shared smiles, and the comfort of knowing that someone enjoys your company, whether you're at a glamorous event or just cuddled up at home.

Episode highlights:

(0:00) Intro

(0:34) Low to no-cost dating ideas

(7:10) Favorite date

(7:52) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Rise Above Debt: Empowering Strategies for Financial Success

jag@jagindetroit.com (Paula Christine) — Tue, 9 Apr 2024 11:00:00 +0000

In this episode, Paula Christine, our host, takes us through her personal journey with debt. She opens up about the hurdles she overcame as a single parent juggling multiple jobs. Paula sheds light on the concept of good and bad debt and shares actionable tips to save money and minimize debt. She presents various practical and achievable debt repayment methods. Discover the significance of budgeting and the advantages of turning to trustworthy debt counseling agencies. Learn how these strategies, along with dedication and discipline, can lead you to financial stability.

Episode highlights:

(0:00) Intro

(2:36) Starting your debt payoff plan

(4:13) Finding extra money to pay off debt

(6:10) Methods for getting out of debt

(12:06) Working with debt counseling agencies

(13:45) Build an emergency fund to avoid future debt

(14:32) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Wallet Wellness: Recognizing and Managing Your Money Personality

jag@jagindetroit.com (Paula Christine) — Tue, 2 Apr 2024 11:00:00 +0000

Today, Paula Christine talks about money personalities and their impact on financial well-being. The tug-of-war between being a saver and a spender often stems from fluctuating stress levels and confidence. From the thrill of a big purchase to the satisfaction of watching savings grow, your financial choices reveal much about your motivations. Understanding your money personality isn't about fitting into a mold but leveraging your natural inclinations to foster a more prosperous and enjoyable life.

Episode highlights:

(0:00) Intro

(1:08) Money Personalities

(2:06) The big spender

(5:53) The shopper

(8:59) The saver

(11:32) The debtor

(14:15) The investor

(16:23) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Manifesting Monetary Success with the Strength of Positive Affirmations

jag@jagindetroit.com (Paula Christine) — Tue, 26 Mar 2024 11:00:00 +0000

Understanding the connection between our finances and mindset can be quite a journey. In this episode, Paula Christine dives into this link, emphasizing how the stories we tell ourselves about money shape our financial experiences. Her personal journey from scarcity to abundance highlights the power of positive affirmations in managing finances.

Episode highlights:

(0:00) Intro

(1:09) Worrying about money

(3:01) Scarcity mindset

(5:03) Working with a therapist/life coach

(7:18) Using affirmations

(12:42) Learning meditation

(13:33) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Securing the American Dream: Buying a Home

jag@jagindetroit.com (Paula Christine) — Tue, 19 Mar 2024 11:00:00 +0000

In this episode, Paula unravels the complexities of securing a home. She shares that purchasing a home is not just a financial transaction but a strategic and emotional endeavor. She emphasizes the importance of building a trustworthy team comprising a mortgage broker and realtor. Paula advocates buying a home when it feels right, regardless of the current rates, with the intention of refinancing when the economic climate becomes more favorable. She also stresses the need to reevaluate one's budget with each potential home purchase, ensuring comfort with the anticipated monthly payments, including not just the mortgage but also the ongoing costs of maintenance and renovations.

Episode highlights:

(0:00) Intro

(1:13) Connect your mortgage broker with your realtor

(2:32) The offer and the taxes

(5:44) Additional costs and a renovation loan

(7:41) Go back to your budget

(8:25) Interest rates

(9:50) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Smart Cost-Cutting Strategies for Dining Out and Grocery Shopping

jag@jagindetroit.com (Paula Christine) — Tue, 12 Mar 2024 11:00:00 +0000

In this episode, Paula shares tales of eye-opening experiences and savvy spending strategies. Whether dining out or stocking up at the grocery store, get it done without the fiscal hangover. Paula guides you through the treacherous waters of tempting takeouts, fancy restaurants with jaw-dropping bills, and those pesky impulse buys during grocery trips. Paula reveals practical tips to dodge sticker shock and keep your wallet intact.

Download Your Copy of How to Budget for Groceries: https://bit.ly/3Itzj2v

Episode highlights:

(0:00) Intro

(2:03) Avoiding sticker shock while dining out

(5:15) Online shopping

(7:22) Use coupons

(8:27) Use a calculator

(9:26) Avoid the aisles

(10:31) Shop alone

(11:42) Outro

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Top 3 Mistakes People Make When Planning for Retirement with Chris Cyr

jag@jagindetroit.com (Paula Christine) — Tue, 5 Mar 2024 12:00:00 +0000

Prepare to recalibrate your retirement compass with financial maestro Chris Cyr. In this episode, Chris joins Paula for another insightful discussion about the top three mistakes people make when planning for retirement. From the actual cost of your daily expenses to the unforeseen hits of healthcare, this episode promises to arm you with strategies to avoid common financial hazards that lie in wait for the unwary retiree. They also discuss the importance of a comprehensive budgeting approach, considering everything that can ambush your savings post-retirement.

Chris Cyr is the president of Cyr Financial Inc., a registered investment advisor. They follow a holistic financial planning model, managing clients' investments, taxes, insurance, and estate strategies together in one cohesive direction. The firm employs a Quantitative, Systematic, Research-based approach to investing.

Find Chris:

Podcast: https://cyrfinancial.net/retirementforlife/

LinkedIn: https://www.linkedin.com/in/chriscyr/

Website: http://cyrfinancial.net/

Website: https://5toask.com/

Facebook: https://www.facebook.com/cyrfinancial/

Episode highlights:

(0:00) Intro

(1:14) Underestimating the bad things

(5:35) Not having tax planning

(6:48) Three buckets of money

(12:12) Social security

(19:31) Two possible discussions about retirement

(21:57) How to connect with Chris

(22:32) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Mastering the Art of Selecting a Financial Advisor with Chris Cyr

jag@jagindetroit.com (Paula Christine) — Tue, 27 Feb 2024 12:00:00 +0000

Embark on a financial enlightenment journey with Paula as she speaks with Chris Cyr, a Financial Advisor. They guide you through the nuances of selecting a financial advisor adept at managing wealth's accumulation and distribution phases. Chris points out that most industry advisors are remunerated for aiding clients in wealth accumulation. However, the need for more advisors dedicated to complex planning is evident. During the retirement phase, one faces the most financial peril, underscoring the necessity of having a financial advisor who can secure a stable retirement income. He emphasizes the importance of having a financial advisor who can effectively guide you through life's financial milestones.

Find Chris:

LinkedIn: https://www.linkedin.com/in/chriscyr/

Website: http://cyrfinancial.net/

Website: https://5toask.com/

Facebook: https://www.facebook.com/cyrfinancial/

Episode highlights:

(0:00) Intro
(0:45) Free checklist for finding the right financial advisor
(5:12) Importance of finding the right advisor
(7:39) Value beyond investment returns
(9:50) Emphasis on safety in retirement planning
(10:53) The misconception about market performance
(11:42) Advice for young investors
(13:32) The need for professional guidance
(16:09) How to access the document
(16:40) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Jumpstarting Your 2024 Tax Savings

jag@jagindetroit.com (Paula Christine) — Tue, 20 Feb 2024 12:00:00 +0000

Are taxes just a yearly scramble, leaving you wondering if you've missed out on significant savings? In this episode, Paula shares actionable tax-saving strategies that can lead to financial gains. When it comes to taxes, knowledge is not just power but also profit.

Episode highlights:

(0:00) Intro

(0:59) Planning ahead

(3:22) Learn about tax credits

(7:05) Tax deductions

(10:38) Knowing your tax bracket

(13:42) Seek advice from a professional

(15:18) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

5 Strategies to Boost Your Cash Flow

jag@jagindetroit.com (Paula Christine) — Tue, 13 Feb 2024 12:00:00 +0000

When it comes to increasing your income, the modern world offers many opportunities that don't necessarily require you to take on additional full-time jobs. Today, Paula covers five ways to earn extra money or save on expenses. She also emphasizes that despite these numerous opportunities, it's crucial to approach side hustles with realistic expectations and a cautious eye for scams. Side hustles offer a promising path to augment your income, but they require a strategic approach to reap the benefits. Understanding the opportunities available, exercising caution, and utilizing the right platforms can add to your income and save you from falling victim to common mistakes or deceptive schemes.

Episode highlights:

(0:00) Intro
(1:17) Completing surveys
(2:18) Declutter
(4:17) Freelance
(5:33) Rent out space
(6:34) Cashback and rewards programs
(9:25) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Harmonizing Relationships and Financial Control with Dana Diaz

jag@jagindetroit.com (Paula Christine) — Tue, 6 Feb 2024 12:00:00 +0000

Is the tension of money matters straining your relationship? In today's episode, Paula speaks with Dana Diaz, a best-selling author, about the delicate power play of financial control within partnerships. Their conversation touches on retirement planning with your significant other, and offers practical strategies for couples with disparate incomes to work cohesively towards shared monetary objectives. Dana emphasizes that financial autonomy and mutual respect are essential for a healthy relationship.

Dana S. Diaz is an author and survivor of narcissistic abuse. Her best-selling book, GASPING FOR AIR: THE STRANGLEHOLD OF NARCISSISTIC ABUSE, chronicles her own abusive marriage that lasted nearly three decades. She has had life-long experience with narcissistic abuse, beginning in childhood.

Dana’s education in journalism and psychology at DePaul University in Chicago gave her the ability to accurately verbalize and express how narcissistic abuse creates confusion and conflict among victims. She has been a guest on over a hundred podcasts globally, striving to create awareness and understanding to ensure victims are given the support they need to understand their situation and begin the healing process. Dana has also been a featured speaker in a Summit for healing after trauma and will be featured in two more Summits in 2024. She lives with her husband in Illinois and is in the process of publishing the prequel and sequel to her book.

Find Dana:

Website: https://danasdiaz.com/
Email: info@danasdiaz.com

Facebook: http://www.facebook.com/DanaSDiazAuthor

Instagram: https://www.instagram.com/danas.diaz/

Episode highlights:

(1:12) Dealing with someone very controlling about money

(2:48) Saving for retirement or goals

(8:52) Weekly financial meeting

(11:02) Understanding what's important about money

(13:37) Tips to make conversations about money easier

(20:35) Checks and balances

(22:20) Dana's book

(23:06) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Building Real Estate Wealth and Fulfillment with David Dippong

jag@jagindetroit.com (Paula Christine) — Tue, 30 Jan 2024 12:00:00 +0000

Discover the synergy between building wealth in real estate and constructing a more fulfilled life in today’s episode! Paula talks with David Dippong, the Go-To Real Estate Advisor In Coastal Southern California. David brings a fresh perspective on personal growth, emphasizing the transformative power of a positive mindset in your financial and personal endeavors. They discuss the delicate art of shifting from deep-seated childhood beliefs to the kind of adult productivity that turns dreams into reality. David lays bare the human tendency to fixate on the negative and offers strategies to foster resilience and positivity.

David Dippong is a licensed real estate advisor and a Realtor® at CØMPASS, a top brokerage in Los Angeles & Orange County. He is the go-to advisor for real estate in Southern California, specializing in guiding home buyers, sellers, and investors of all experience levels to great outcomes. His specialties include Buyer’s Agent, Listing Agent, Multi-Family, Fix & Flips, Consulting, and Commercial R.E.

David provides a resource his clients can turn to at any time, not just when buying or selling. By staying invested in his clients’ long-term success, he can guide them to the wealth and passive income they seek.

Over the last few years, David has personally managed and closed over 60 transactions in residential real estate exceeding $45M. He believes in educating his clients and helping them build their wealth through real estate long-term.

Find David:

Website: https://dippongrealestate.com/
Email: coachwithdave@gmail.com

LinkedIn: https://www.linkedin.com/in/dippongrealestatela/

Facebook: https://www.facebook.com/DippongRealEstateLA/

Episode highlights:

(0:00) Intro
(0:49) How David started his journey

(1:48) Assistance programs

(4:27) Investment and mindset coaching

(7:31) Our brain focuses on the negative

(9:17) Three things David focuses on

(12:35) A goal he went to his process to achieve

(16:41) Motivation and taking the first step

(19:34) How to reach David

(22:48) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Getting Ready For Home Buying Season (Part 2) with Marc Edelstein

jag@jagindetroit.com (Paula Christine) — Tue, 23 Jan 2024 12:00:00 +0000

In this episode, Paula and Marc Edelstein continue to unravel the mysteries of home appraisals and the predicaments they can pose when the numbers don't match up with your purchase price. They stress the importance of choosing the right home-buying real estate and mortgage professionals. Marc underscores the importance of staying informed about quarterly changes in lenders' guidelines and credit scoring. It emphasizes the value of having knowledgeable professionals on your team who are up-to-date with these changes, ensuring top-notch client support. This episode is packed with insider knowledge you want to take advantage of!

Marc Edelstein is a Senior Mortgage Loan Officer at Ross Mortgage Corporation. Marc is a seasoned loan officer with 21 years of experience helping residents in the region achieve their homeownership goals. He provides personalized guidance and support to his clients to make informed mortgage decisions.

Marc understands that every client is unique, so he takes the time to get to know them and their specific needs. From pre-approval to closing, he is with his clients every step of the way, answering their questions, addressing their concerns, and helping them navigate the complex mortgage lending process. Marc’s team has the expertise and resources to guide clients through the process and help them achieve their financial goals.

Link mentioned:

Opt out of unsolicited home-buying calls: https://optoutprescreen.com/

Find Marc:

Website: https://www.thatmortgagebanker.com/

LinkedIn: https://www.linkedin.com/in/maedelstein

Email: medelstein@rossmortgage.com

Phone: 248-379-6749

Episode highlights:

(0:00) Intro

(0:41) Property appraisal for the lender

(2:14) Escalation clause

(3:46) Appraisal report and next steps

(7:34) The bottom line in buying a house

(10:58) The shopping window

(12:06) Expiration dates of documents and credit reports

(16:24) How to connect with Marc

(16:51) Outro

—

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Getting Ready For Home Buying Season (Part 1) with Marc Edelstein

jag@jagindetroit.com (Paula Christine) — Tue, 16 Jan 2024 12:00:00 +0000

Unlock the secrets to a stress-free home-buying experience with the guidance of mortgage virtuoso Marc Edelstein from Russ Mortgage in today's episode. Paula talks with Marc about the difference between pre-qualification and pre-approval. Marc delineates the significance of an underwriter's touch in making your offer stand out amidst a sea of buyers. They dive into the 'four Cs' of mortgage acquisition and the vital role of the FICO credit score, ensuring you're equipped with the knowledge to navigate the financial seas of home ownership.

Find Marc:

Website: https://www.thatmortgagebanker.com/

LinkedIn: https://www.linkedin.com/in/maedelstein

Email: medelstein@rossmortgage.com

Phone: 248-379-6749

Episode highlights:

(0:00) Intro

(1:03) Pre-qualification vs. pre-approval

(4:38) Four Cs of obtaining a mortgage

(5:16) Two types of credit scoring

(9:52) Loan programs and credit scores

(12:42) Income to support the mortgage

(15:16)) Ideal ratio of income vs. total debt

(16:45) Source of funds

(19:12) Collateral

(21:35) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The SECURE 2.0 Act and Its Impact on Your Retirement Savings Strategy

jag@jagindetroit.com (Paula Christine) — Tue, 9 Jan 2024 12:00:00 +0000

The landscape of retirement planning is continuously evolving, and staying abreast of the latest legislative changes is crucial for anyone looking to secure a comfortable future.

In this episode, Paula tackles the Secure 2.0 Act, a piece of legislation set to reshape retirement savings starting in 2024. It is a focal point for individuals aiming to maximize their financial potential. The Act introduces a groundbreaking opportunity for those grappling with student loans. Employers can now match their employee's student loan payments with contributions to their retirement plan. Furthermore, the Secure 2.0 Act establishes provisions for emergency withdrawals. Previously, taking funds from a retirement account before reaching a certain age would incur a hefty penalty. Another significant development is the introduction of emergency savings accounts tied to retirement plans.

The Secure 2.0 Act has intricacies that can profoundly impact individual retirement strategies. It is imperative to consult with financial advisors and tax professionals to fully understand how these changes apply to personal circumstances.

Episode highlights:

(0:00) Intro

(1:09) Changes in the SECURE Act

(2:59) Emergency savings account

(4:55) Clarifications to RMD ages

(5:59) The 529 plan

(7:09) Employer issues

(8:03) Qualified charitable distributions

(9:05) Provision for catch-up contributions on a Roth basis

(10:18) Outro

—

Reach Paula at paula@paulachristine.com or through her website, https://paulachristine.com/.

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

How to Find a Job in 5 Days with Annie Margarita Yang

jag@jagindetroit.com (Paula Christine) — Tue, 2 Jan 2024 12:00:00 +0000

Revolutionize your job search with the tactics of Annie Margarita Yang, the trailblazing author behind the book "The 5-Day Job Search." In this episode, Paula interviews Annie about her innovative strategies to help job seekers break free from the minimum wage cycle and overcome job search hurdles. Annie's method advocates for a bold, high-volume approach that lands your optimized resume on 50 inboxes daily with the poise of an expertly aimed arrow. Annie insists this is not only doable but essential for navigating today's competitive job market.

Annie Margarita Yang is a finance guru helping millennials overcome financial hurdles that previous generations didn’t face. She provides targeted advice based on her firsthand experience, which doesn’t just recycle general platitudes. Her primary focus is her award-winning book, The 5-Day Job Search, which has become a must-read for young professionals clawing their way out of student loan debt while trying to keep a well-paying job. It is also a page-turner for Gen Zers looking to pursue their passions without debt.

Annie is an accounting manager and business operations leader in the real estate industry by day. Still, her passion is empowering people to take charge of their financial destiny to have funds for the things that truly matter. She side-stepped the student loan minefield by taking on minimum-wage jobs right after high school. During this time, she developed a love for frugal living, self-education, and planning for the future. Annie eventually earned her B.A. in Communications from Thomas Edison State University, proving that a debt-free education was still possible.

Based in Boston with her supportive husband, Annie also finds solace in learning the piano, a hobby that adds another dimension to her dynamic personality.

Find Annie:

Website: https://www.annieyangfinancial.com/

LinkedIn: https://www.linkedin.com/in/annieyangfinancial/

Tiktok: https://tiktok.com/@annieyangfinancial

Facebook: https://www.facebook.com/annieyangfinancial

Instagram: https://instagram.com/annieyangfinancial/

Twitter: https://twitter.com/ayfinancial

Youtube: https://www.youtube.com/c/AnnieMargaritaYang/featured

Vimeo: https://vimeo.com/annieyangfinancial

Tumblr: https://tumblr.com/annieyangfinancial

Episode highlights:

(0:00) Intro

(0:50) What influenced Annie to write her book

(3:20) How it works

(6:28) Easily apply to 50 jobs

(7:53) What to research about the company

(10:08) What to do during the interview phase

(12:15) Do the methods work for older people?

(14:25) Where to find the book

(16:45) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Navigating the Maze of Retirement Savings and Inheritance Tax Planning

jag@jagindetroit.com (Paula Christine) — Tue, 26 Dec 2023 12:00:00 +0000

Ever wrestle with the decision of where to tuck away your retirement savings? In this episode, Paula talks about the tax terrain of traditional IRAs and 401(k)s while also investigating the forward-thinking strategies behind Roth accounts and non-qualified brokerage accounts. She discusses the importance of weighing the pros and cons of converting traditional IRA funds into Roth IRAs. Being informed and proactive about your retirement planning can set the stage for a comfortable and prosperous retirement. Whether you're just starting to save or are nearing retirement, understanding the different retirement account options and their tax implications is paramount. Take control of your financial future by exploring the various strategies discussed today, and work with a financial advisor to tailor a plan that aligns with your goals and circumstances.

Episode highlights:

(0:00) Intro

(0:38) Kinds of retirement accounts

(3:36) Non-qualified brokerage account

(7:41) Diversified

(8:51) Example

(13:38) Roth IRA conversion

(15:05) Legacy Planning

(19:14) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Understanding Financial Decision-Making and Wealth-Building (Part 2) with Yvonne Marsh

jag@jagindetroit.com (Paula Christine) — Tue, 19 Dec 2023 12:00:00 +0000

In this episode, Paula and Yvonne Marsh continue their conversation and discuss financial stability and how it can be achieved. It's emphasized that having a supportive community and being open to seeking help can be instrumental in this journey. However, it's not just about earning and saving. We must make tough decisions and implement strategic plans to meet our future selves with a sense of accomplishment. It's about developing a connection with our future self and using that as motivation to make hard decisions today. They talk about approaching financial planning and decision-making with a long-term vision. One must create a vision of what they want for themselves. This vision can be a powerful motivator and guide, whether it is a positive vision of what one wants to achieve or a negative vision of what one wants to avoid.

Yvonne Marsh is a Certified Financial Planner™ and a Certified Public Accountant with a BS in Accounting from the State University of New York. She specializes in personal financial planning, including retirement and lifetime income planning, investment management, social security maximization, charitable giving, Medicare, and long-term care planning.

Yvonne Marsh has experience in small business entrepreneurship and public accounting, providing assurance and advisory services to the banking and retirement fund industries. She is a monthly contributor to the business section of the Farragut Press. She enjoys speaking on financial education topics at locations such as Strang Senior Center and for local civic groups. Yvonne is married with two children and enjoys gardening, horseback riding, hiking, and reading.

Find Yvonne:

Website: https://www.onedegreewealth.com/

Email: yvonne@onedegreewealth.com

Facebook: https://www.facebook.com/marshwealthmanagement/

Youtube: https://www.youtube.com/channel/UCfuH5rJAXTaP0d6YJzWYdCw

LinkedIn: https://www.linkedin.com/in/yvonnemarsh/

Episode highlights:

(0:00) Intro

(0:49) Remote work

(1:50) Finding the future you

(4:52) Look at your future

(6:56) Vision

(10:43) Microsteps or one thing a day

(12:58) Three things you're grateful for

(13:32) How to reach Yvonne

(13:52) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Understanding Financial Decision-Making and Wealth-Building (Part 1) with Yvonne Marsh

jag@jagindetroit.com (Paula Christine) — Tue, 12 Dec 2023 12:00:00 +0000

How do you navigate the labyrinth of financial decision-making? Tune in as Paula chats with Yvonne Marsh, a certified financial planner and CPA who brings her wealth of knowledge to the discussion. They tackle thought-provoking topics like establishing an emergency account, making informed choices about retirement savings versus debt repayment, and reaping the benefits of the new SAVE program for student loans. Yvonne also introduces her online platform, OneDegreeWealth.com, which presents a cornucopia of financial education and wealth-building strategies.

Find Yvonne:

Website: https://www.onedegreewealth.com/

Email: yvonne@onedegreewealth.com

Facebook: https://www.facebook.com/marshwealthmanagement/

Youtube: https://www.youtube.com/channel/UCfuH5rJAXTaP0d6YJzWYdCw

LinkedIn: https://www.linkedin.com/in/yvonnemarsh/

Episode highlights:

(0:00) Intro

(0:56) Yvonne's background

(3:02) Five foundational steps

(4:10) The SAVE program

(6:38) Have an emergency fund

(7:48) Look at your 401K plan

(9:12) Tackle the high-interest-rate credit card

(11:16) Advice for middle-aged single women in debt

(14:59) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Empowering the Next Generation By Teaching Kids Financial Literacy with Mari Collins Harris

jag@jagindetroit.com (Paula Christine) — Tue, 5 Dec 2023 12:00:00 +0000

Get ready to equip your kids with the most valuable life skill: financial literacy! In this episode, Paula chats with Mari Collins Harris, the founder of Ketshop, a financial literacy shopping app for kids. Mari's company is revolutionizing how families manage money and how children perceive their role. They talk about introducing financial concepts, making money fun through goal-setting, and involving them in decisions that will make you rethink your approach. Mari emphasized the importance of starting these conversations young and giving children power over their money. She shared valuable tips on making money fun for kids through goal-setting and involving them in financial decisions.

Mari Collins Harris founded Ketshop, a child-led, parent-approved shopping app that helps kids manage their money independently. She specializes in breaking down complex concepts into easy-to-understand ideas.

Mari works with families committed to building valuable life skills and believes that experience is the best teacher for our kids. Ketshop empowers children to comparison shop in a safe environment, learn budgeting basics, track progress towards savings goals, practice delayed gratification, and donate to charitable causes. By creating fair boundaries, Ketshop reduces conflict between parent and child and allows parents to release control.

Find Mari:

Website 1: https://www.maricollins.com/

Website 2: https://ketshop.com/

LinkedIn: https://www.linkedin.com/in/maricollinsharris

Episode highlights:

(0:00) Intro

(0:51) How Mari started her business

(1:26) Introducing money to kids

(2:43) How young you can start introducing money to kids

(3:31) Using an app and games to teach kids about money

(5:53) Mari encourages kids to donate to a cause

(7:13) Learning moments when the kids make mistakes

(8:45) How kids treat items they bought themselves

(10:54) Paula shares her experience with her son using a debit card

(13:04) Talking to kids about investing

(13:26) How to find and learn more about Ketshop

(14:03) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Turning College Planning Into A Strategic Mission with Dr. Kuni Beasley

jag@jagindetroit.com (Paula Christine) — Tue, 28 Nov 2023 12:00:00 +0000

Are you ready to conquer the cost of college? In this episode, Paula chats with Dr. Beasley, a veteran of the education system with a breadth of knowledge on navigating the financial hurdles of higher education. Rolling into strategies for college success, Dr. Beasley presents an array of valuable tactics, including financial preparation, academic strategies, and time management. They also examine the importance of recognition and real-world experiences in crafting a standout college application. They also briefly discussed scholarships and grants.

Dr. Kuni Beasley is a full-time educator and one of the country’s most successful college consultants. He has been helping students prepare for college for over 40 years. Dr. Beasley has a BS from Texas Christian University, an MBA from Oklahoma City University, a Doctor of Ministry in Greek and Hebrew from Tyndale Seminary, and a Ph.D. from the University of Texas at Arlington. He is the founder and dean of NEW College Preparatory Academy (formerly known as Gateway Preparatory School) and National Homeschool Academy. Dr. Beasley also owns Beasley College Prep, which provides college preparation and assistance to students worldwide. He has taught college for sixteen years at several institutions, including Northwood University, Dallas Baptist University, University of Texas at Arlington, and thirteen years at LeTourneau University. Dr. Beasley is a columnist for Practical Homeschooling Magazine and is credentialed to teach at the graduate level in 14 subject areas.

Find Dr. Beasley:

Website: https://www.beasleycollegeprep.com/

LinkedIn: https://www.linkedin.com/in/docbeasley

Episode highlights:

[0:00] Intro

[0:55] Dr. Kuni talks about his background, his experience in the army, and working on his PhD

[4:00] Enrolling in seminary school, finishing his dissertation, coaching football, and starting a school

[7:45] Helping kids get into the college radar early

[9:15] Public schools vs. private schools, and four trajectories for college preparation

[10:52] Three strategies in planning for college

[15:37] The difference between a scholarship and a grant

[18:52] How to connect with Dr. Beasley

[19:52] Who does Dr. Beasley assist?

[22:50] Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Heartfelt Gifts That Don't Break The Bank

jag@jagindetroit.com (Paula Christine) — Tue, 21 Nov 2023 12:00:00 +0000

Let's shatter the myth that holiday gift-giving must be expensive. In this episode, I discuss the magic of a truly thoughtful, personalized, cost-effective present. I’m going to share some simple, inexpensive, unique ideas, and it just says that you’ve put thought and effort into it. It’s much more special than just giving generic store-bought ones.

More Holiday Gift Ideas here: https://learn.paulachristine.com/gift-ideas

Episode highlights:

[2:27] Home cooked bread and pastries

[4:32] Coupon book

[5:44] The positivity jar

[7:09] The gift of skill

[8:23] Homemade cookbook

[11:36] Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Developing a Wealth Mindset with Financial Expert Chad Hufford

jag@jagindetroit.com (Paula Christine) — Tue, 14 Nov 2023 12:00:00 +0000

Imagine growing up in a family where open conversations about money and finances were the norm, a place where you're groomed to become not just a spender but an astute investor. In this episode, Paula chats with financial expert Chad Hufford about the importance of mindset in financial planning and investing. Born and raised in Alaska, Chad shares insights from his upbringing in a household where money was openly discussed. The conversation delves into key takeaways from Chad's book, "Forging Financial Freedom," emphasizing the need for a mindset shift in approaching money and investing.

Chad grew up in the financial industry, but also developed a strong background in athletics, nutrition and performance psychology. Chad brings a coaching mindset and the heart of a teacher to financial planning and investing as he strives to both empower and educate his audience to not only become better investors, but to live more intentionally and create an abundant life. Chad owns a boutique financial planning firm, Veritas Wealth Management, that manages $500 million dollars and serves several hundred families across the US. In addition to finance, he regularly teaches and speaks on fitness and faith, seeing these as all-important aspects of a purposeful and abundant life.

Grab a copy of Chad’s Book & Get Bonuses: http://www.forgingfinancialfreedom.com/

Find Chad:

https://www.veritasalaska.com/

https://www.facebook.com/VeritasWealthManagement/

https://www.instagram.com/veritas.alaska/

https://www.linkedin.com/in/chad-hufford-066208100/

Episode highlights:

[0:49] Chad shares insights from his upbringing and the motivation behind his book

[4:23] Discussion on the impact of mindset on financial decisions and the role of mindset in achieving abundance

[9:11] Linking mindset and financial planning, emphasizing the importance of having a clear financial roadmap

[10:28] Real-world examples of mistakes people make, focusing on panic in down markets and the need to differentiate temporary declines from permanent losses

[13:05] The role of financial advisors in calming clients and the importance of focusing on income rather than principal

[17:11] The effects of having a plan to lessen anxiety

[18:48] Diving deeper into the mindset and decision-making in various aspects of life beyond finance

[27:50] Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Intentional Spending: Rethinking Budgets

jag@jagindetroit.com (Linda Lingo, Paula Christine) — Tue, 7 Nov 2023 11:00:00 +0000

In this episode of "Beyond the Paycheck," host Paula interviews financial coach Linda Lingo about savings and money tips. Linda emphasizes the importance of starting with mindset and values when setting up a budget. By aligning financial goals with personal values, individuals are more likely to follow through and establish intentional money spending and saving plans. She also talks about not using the word "budget."

Linda also discusses the significance of tracking expenses to gain a clear understanding of where money is being spent. She advises clients to prioritize subscriptions and consider their budget before committing to additional services. Additionally, Linda shares tips for making informed purchasing decisions, such as using the 24-hour rule and the 7-day rule to avoid impulse buying. She also highlights the importance of maintaining a good credit score and provides strategies for increasing creditworthiness.

Connect with Linda and grab her money saving quiz, as well as 9 Savvy Wealth Building Steps: https://lindalingo.com/

Email: linda@lindalingo.com

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

I'm Getting Divorced - What About My Mortgage?

jag@jagindetroit.com (Jon Gay, Marc Edelstein, Paula Christine) — Tue, 31 Oct 2023 10:00:00 +0000

Marc Edelstein from Ross Mortgage is back with us. We are discussing mortgages for those considering divorce and navigating the high-interest rate environment. As a CDLP Certified Divorce Lending Professional, Marc sheds light on the complexities of mortgage financing during divorce proceedings, addressing the common question of how to assume an existing mortgage with a low-interest rate while removing the former spouse from financial liability.

Marc distinguishes between two types of assumptions in the context of mortgage financing: simplified assumptions and qualified assumptions. In a simplified assumption, one spouse takes responsibility for making the payments without removing the other spouse from the mortgage. The financial obligation of the original borrower remains. In a qualified assumption, the person awarded the home assumes the terms and releases the other spouse from financial liability. Marc also highlights the types of assumable loans, such as government-insured loans like FHA, VA, and rural development loans, as well as most adjustable-rate mortgages.

Paula raises a scenario where a couple is divorcing in a high-interest rate environment, and one spouse wishes to stay in the home but also wants to remove the other spouse's name from the mortgage. Marc explains how this can be done, or you can wait until interest rates become more favorable or certain life events occur, like children graduating from school. This arrangement doesn't affect the departing spouse's ability to find new housing.

The conversation touches on the importance of considering the equity buyout in a divorce settlement. If one spouse has to buy out the other's equity portion, they need to be careful about the assets they use for this purpose. Cash and traditional IRAs are not equivalent. Marc emphasizes the need for clear communication and agreements in these matters.

The discussion also delves into managing mortgage communication when one spouse is not on the mortgage. The law grants the person awarded the home "successor's interest," giving them the same rights as the spouse on the mortgage, including access to mortgage information, grace periods, and protection against due-on-sale clauses.

It's always important to consult professionals, such as financial advisors, CDFA professionals, and CPAs, to make informed decisions during divorce proceedings. Marc's contact information is shared for those seeking mortgage-related advice.

Find mark at thatmortgagebanker.com or at (248) 379-6749.

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Passive Paycheck - Income on Autopilot

jag@jagindetroit.com (Joey Mure, Jon Gay, Paula Christine) — Tue, 24 Oct 2023 10:00:00 +0000

In this episode of "Beyond the Paycheck," Paula Christine dives deep into the topic of passive income with her guest, Joey Muré from Wealth Without Wall Street. Joey shares his journey, starting in the mortgage business and making a significant income but realizing that increased income didn't equate to freedom. He mentions the importance of understanding the difference between active and passive income and the impact it can have on spending time with family.

Paula and Joey talk about the significance of setting clear financial goals, emphasizing that everyone's financial goals are unique based on their current expenses. We touch upon the idea that financial freedom is achieved when passive income exceeds monthly expenses. Paula relates this concept to her own experiences as a business owner and the balance between work and family life.

Joey explains the GPS model, which stands for Goal, Plan, and Support, as the key to achieving financial freedom. He highlights that having a clear vision of what life will look like when financial freedom is achieved is crucial. Understanding the importance of a well-thought-out plan and the role of a like-minded community in providing support is key.

Paula underscores the importance of having a structured process to develop passive income, and Joey mentions an upcoming book that will provide more detailed guidance on this subject. He also directs listeners to resources on their website, including an investor DNA profile assessment and the opportunity to talk to one of their coaches.

Joey has an exclusive website for listeners of Beyond the Paycheck. To get access to the DNA profile and a free 15 minute chat with one of their coaches, visit: wealthwithoutwallstreet.com/beyondthepaycheck

If you would like to contact Paula, you can reach her at paula@paulachristine.com or visit her website at paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Franchising 101: Is it right for you?

jag@jagindetroit.com (Bob Bernotas, Paula Christine, Jon Gay) — Tue, 17 Oct 2023 10:00:00 +0000

In this episode of Beyond the Paycheck, Paula and Jon are joined by Bob Bernotas, a franchise expert with over 30 years of experience in the field. Bob shared his journey into franchising, starting with his first venture into West Coast Video back in 1986. He recently acquired a men's health franchise called Gameday Men's Health.

We go into the process of purchasing a franchise, emphasizing the importance of selecting the right franchise that aligns with your goals and values. Bob highlighted that franchising has evolved, and it's not necessarily difficult to enter a franchise if you find the right fit.

Bob discussed the qualities that make a good franchisee, focusing on people skills, basic business acumen, determination, and financial capacity. He stressed that passion alone may not lead to success in franchise ownership, and it's crucial to choose a franchise that matches your skill set and goals.

We also explore the trend of semi-passive franchise concepts, which allow individuals to start their businesses part-time while maintaining other commitments. This trend has made franchising more accessible to a wider range of people.

In conclusion, Bob shares that the key to successful franchising is finding the right fit, ensuring that both the franchise and the franchisee are a good match. He encouraged anyone interested in franchising to reach out and explore the possibilities.

If you want to learn more or get in touch with Bob Bernotas, you can visit his website at franchisewithbob.com or contact him directly at 610-506-0002.

To reach Paula Christine, email her at paula@paulachristine.com or visit www.paulachristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Don't Think You Need Insurance? Think Again!

jag@jagindetroit.com (Bruce Weinstein, Paula Christine, Jon Gay) — Tue, 10 Oct 2023 10:00:00 +0000

Today's guest is Bruce Weinstein, aka "The Plan Man." We're talking health insurance, life insurance, and the importance of being financially prepared for unexpected events. Throughout the conversation, Paula and Bruce share stories and insights to emphasize the significance of insurance in people's lives.

Bruce Weinstein, as a financial advisor with decades of experience, provides valuable information about the different types of insurance, emphasizing that insurance is about assigning risk to someone else to protect against financial vulnerability. He stresses that certain insurance needs, such as auto insurance and homeowner's insurance, are mandatory, while others like health insurance and life insurance are somewhat discretionary but vital depending on individual circumstances.

They also touch on the affordability of insurance, particularly term life insurance, and how it's often a cost-effective solution to provide financial security for loved ones. Bruce highlights the importance of budgeting and making informed financial decisions, such as prioritizing insurance over certain discretionary expenses like dining out or leasing expensive cars.

Paula and Bruce discuss the significance of financial literacy and the need for people to understand the mechanics of various insurance options. They stress the importance of seeking help and not attempting to navigate complex insurance decisions alone, as professionals like Bruce can provide valuable guidance.

Towards the end, they mention Bruce's podcast, "Ask the PlanMan," which focuses on finance, insurance, and education, with the aim of providing information to help individuals make informed financial decisions.

Overall, the conversation between Paula and Bruce emphasizes the critical role that insurance plays in safeguarding financial stability and highlights the need for individuals to be financially literate and proactive in securing their financial future.

Bruce's Website and Podcast: https://asktheplanman.com/

Bruce's email: bruce@asktheplanman.com

Bruce's Phone Number 844-PLANMAN

Find Paula Christine at paulachristine.com or email her at paula@paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Invest Outside the Box: A Guide to Alternative Income

jag@jagindetroit.com (Fred Moskowitz, Paula Christine) — Tue, 3 Oct 2023 10:00:00 +0000

This episode of "Beyond the Paycheck" explores the importance of diversifying income streams to achieve financial stability. In this episode, Paula interviews Fred Moskowitz, known as the Alternative Investment Expert, who shares valuable insights on this topic.

Fred begins by explaining his background as a computer engineer and how he realized the inherent risks of relying solely on a job for income. He highlights the importance of creating assets that generate income and cash flow independently of traditional employment or the stock market. This insight sets the stage for a discussion on alternative investments.

One of the primary alternative investments discussed is owning rental real estate. Fred emphasizes the potential for monthly income exceeding expenses when structured correctly. Paula raises an essential question about how someone living paycheck to paycheck can afford to purchase rental property. Fred offers practical advice, including strategies like renting out a room in one's own home and starting with small, consistent investments.

The conversation touches upon the concept of dedicating a portion of one's income to investments, drawing inspiration from Robert Kiyosaki's teachings in "Rich Dad, Poor Dad." Fred recommends opening a Roth IRA, automating contributions, and leveraging technology to establish a strong foundation for future investments.

Paula raises an important point regarding the use of retirement funds for income-generating investments. Fred introduces the concept of Self-directed Retirement Accounts, which allows individuals to invest retirement money in real estate, private equity, or other income-generating assets.

The podcast delves deeper into mortgage notes as an alternative investment, explaining how individual investors can participate in the secondary market by purchasing these notes. The risks associated with alternative investments are also discussed, emphasizing the importance of securing investments and seeking professional guidance when necessary.

In the final segment, Fred and Paula stress the significance of education and building a network of like-minded individuals to avoid making investment mistakes. They conclude by providing contact information for Fred, encouraging listeners to reach out for expert advice.

Overall, this episode of "Beyond the Paycheck" offers valuable insights into the world of alternative investments and the importance of diversifying income streams for financial stability. Paula's direct and straightforward interviewing style, combined with Fred's expertise, makes this episode a valuable resource for anyone looking to enhance their financial knowledge and explore alternative investment opportunities.

Fred's website: giftfromfred.com

For more from Paula, visit www.paulachristine.com or email paula@paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Conquering Your Fears to Unlock the Success You Deserve

jag@jagindetroit.com (Kevin Palmieri, Paula Christine, Jon Gay) — Tue, 26 Sep 2023 10:00:00 +0000

Kevin Palmieri joins Paula Christine to discuss success and how to define and achieve it. Kevin shares his personal journey of redefining success from being solely financially wealthy to prioritizing health, wealth, and love. He emphasizes the importance of becoming the most capable and competent version of oneself in all areas of life. Kevin also discusses the power of tracking habits and shares his own list of 26 daily habits that help him stay focused and make progress towards his goals. He encourages listeners to aim for consistent progress rather than perfection and to focus on the most important tasks each day. Kevin shares a powerful story of helping a client overcome her fear of approaching strangers and how it transformed her life. He also discusses the concept of borrowing belief and how it can help individuals overcome limiting beliefs and achieve their goals. The conversation concludes with Kevin sharing his favorite book, "Mindset" by Carol Dweck, which helped him shift from a fixed mindset to a growth mindset.

Key Takeaways:

Success is not solely about financial wealth but about becoming the most capable and competent version of oneself in health, wealth, and love.
Tracking habits is a powerful tool for self-improvement and staying focused on daily actions that lead to progress.
Consistent progress is more important than perfection. Aim for 70% effort consistently rather than sporadic 100% effort.
Borrowing belief from others can help overcome limiting beliefs and take new actions that lead to new results.
The most recent and relevant proof can help challenge and overcome self-doubt and imposter syndrome.

To connect with Kevin and find his podcasts, visit www.nextleveluniverse.com or email kevin@nextleveluniverse.com. For more from Paula, visit www.paulachristine.com or email paula@paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Hate Budgets? Here Are Some Alternatives

jag@jagindetroit.com (Jon Gay, Paula Christine, Jasper Smith) — Tue, 19 Sep 2023 10:00:00 +0000

Jasper Smith, also known as Mr. #Build Wealth, rejoins Paula and Jon today. Together, they delve into the realm of intelligent money management and share valuable insights on effective budgeting, financial communication, and alternatives to traditional budgets.

Jasper highlights the key hurdle: finding a budgeting strategy that truly resonates with one's unique lifestyle and preferences. He emphasizes the need to choose a method that aligns with individual needs rather than blindly adopting popular approaches.

Jasper explains the "highlighter challenge," a practical exercise designed to illuminate spending habits. This activity involves reviewing the past three months of financial statements and highlighting non-essential expenses. By doing so, individuals gain a clearer understanding of their spending patterns and can differentiate between necessary expenditures and discretionary wants.

The conversation then shifts to the 50/20 rule, a strategy that Jasper endorses. He explains that this approach involves allocating 50% of one's income to essentials, 20% to financial goals, and 30% to lifestyle expenses. Jasper emphasizes that adopting a simplified and personalized budgeting approach can lead to greater financial freedom and enjoyment.

We discuss the importance of open and transparent financial communication within couples. Jasper suggests having honest conversations about financial strategies and goals in a relaxed setting, which fosters understanding and cooperation. The episode also touches on the significance of both partners being informed about their financial situation to avoid potential complications in the future.

Paula and Jasper conclude the episode by emphasizing the critical role of addressing financial challenges head-on and seeking expert guidance when needed.

More from Jasper Smith, "Mr. #Build Wealth" and the Build Wealth Movement, here: https://www.thebuildwealthmovement.com/

Find Paula Christine at PaulaChristine.com or via email at paula@paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Surviving Life's Toughest Moments: Navigating the Financial Aftermath of Divorce or the Loss of a Spouse

jag@jagindetroit.com (Rachael Burns, Paula Christine) — Tue, 12 Sep 2023 10:00:00 +0000

In this episode, Paula speaks with Rachael Burns from True Wealth about dealing with the challenges of divorce and the loss of a spouse. Rachael, who specializes in helping women through life transitions, explains how she found her niche after working with large financial firms like Merrill Lynch and Morgan Stanley.

Rachael's expertise lies in supporting women who have faced significant life changes, such as the death of a spouse or divorce. She emphasizes the importance of empowering women to take control of their finances, especially in situations where they may not have been financially empowered before.

They discuss the critical role of knowledge in these situations, advising listeners to gather as much information about their finances as possible, even before contemplating divorce. Rachael explains that knowing your financial situation can help alleviate the fear of the unknown and make informed decisions during challenging times.

They address the emotional aspect of these transitions and the difficulties of making rational decisions while dealing with grief. Rachael offers practical advice, suggesting that individuals focus on urgent matters, seek professional help, and consider therapy to manage the emotional aspects separately from financial decisions.

One key point is avoiding common mistakes, such as taking advice from biased sources or making impulsive financial decisions during moments of vulnerability. Rachael shares examples of widowed individuals spending large sums of money without considering long-term financial sustainability.

The podcast emphasizes the importance of being aware of your financial situation regardless of marital status, and Rachael stresses the significance of planning for unexpected life events. They encourage listeners to reach out to financial professionals for guidance and highlight the positive impact of proactive financial planning.

In closing, Paula and Rachael emphasize that life can be unpredictable, and while difficult circumstances may arise, being financially prepared can help mitigate the impact and secure a more stable future.

Find Rachael at https://trueworthfp.com/

Find Paula Christine at PaulaChristine.com or via emal at paula@paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Turning Chat GPT Chats Into Cash Flow

jag@jagindetroit.com (Jonathan Green, Jon Gay, Paula Christine) — Tue, 5 Sep 2023 10:00:00 +0000

Get ready to be blown away, folks! We've got a dynamo of a guest today—meet Jonathan Green, the wizard who turned artificial intelligence into a goldmine for online businesses!

Author of the chart-topping book "ChatGPT Profits," Jonathan is here to spill the beans on how he turned a career hiccup into a groundbreaking journey. Picture this: It's 2010, and out of the blue, he's handed a pink slip from a job he loved. Ouch, right? But instead of throwing a pity party, Jonathan had an epiphany: the 9-to-5 grind could be a financial house of cards!

That 'aha' moment catapulted him into the mesmerizing world of AI. Determined to take the reins of his financial future, he delved deep into crafting passive income streams powered by artificial intelligence.

Gone are the days when AI was a shiny new toy for tech nerds. Today, it's the linchpin that's redefining how we think about online businesses and the job market. If you're not AI-savvy yet, you might just be missing the boat!

And it's not just Jonathan raving about AI; Paula joins the conversation to share her life-changing experience. Ever swamped with work? Paula reveals how AI cut her workload in half—like a hot knife through butter! Jonathan chips in with killer insights on how ChatGPT can automate the mundane—from whipping up captivating social media posts to drafting pitch-perfect marketing emails.

But wait, there's more! AI isn't a one-size-fits-all robot. It's a virtuoso that can tune into your unique writing style and deliver content that speaks directly to YOUR audience. The secret sauce? Asking the right questions can unlock the AI's potential better than mere commands.

For those hungry to unlock the full power of AI, Jonathan has something special—his hands-on course, "AI Freedom." This isn't about replacing humans; it's about amplifying our talents. Imagine the kind of wizardry you can pull off when AI is your sidekick, fine-tuning your craft and supercharging your strengths!

Learn more about Jonathan, his course, and his contact info on his website: https://servenomaster.com/

Find Paula Christine at PaulaChristine.com or via emal at paula@paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Slay Your Dragon With The Warrior Mindset

jag@jagindetroit.com (Mark Booher, Jon Gay, Paula Christine) — Tue, 29 Aug 2023 10:00:00 +0000

Today, Paula Christine welcomes Mark Booher, a former soldier with a background in intelligence who is now a licensed attorney. Mark's unique journey takes us from his early enlistment in the Army at the age of 19, driven by a passion for the military, to his transition into law school following injuries and disillusionment with the practice of law. Despite his varied roles, Mark's unwavering love for the military remained a constant throughout his career.

The heart of the discussion centers around the concept of a "warrior mindset," a topic that has always fascinated Paula. Mark sheds light on this mindset, emphasizing that it encompasses more than just physical strength. It involves a holistic approach to life, characterized by discipline, courage, and self-mastery, all tied to a higher purpose and sense of duty. Drawing from historical examples, Mark highlights how ancient warriors balanced physical prowess with spiritual growth and self-discovery, resonating with the idea that true warriors conquer their internal struggles before external ones.

Paula raises a pertinent question: How can someone without military experience cultivate a warrior mindset? Mark's response revolves around adopting the right framework, and embracing struggle, sacrifice, and discomfort as essential ingredients for growth. Drawing parallels with the hero's journey, Mark explains how facing challenges, seeking knowledge, and overcoming obstacles are integral to developing this mindset. Both hosts discuss the significance of personal growth in alignment with community betterment, and Mark stresses the importance of striking a balance between individual achievement and communal contribution.

Learn more about Mark by listening to his podcast Pearl Snap Tactical, or visiting his website https://www.barritusdefense.com/

Find Paula Christine at PaulaChristine.com or via email at paula@paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Do You REALLY Need to Save For College?

jag@jagindetroit.com (Jasper Smith, Paula Christine, Jon Gay) — Tue, 22 Aug 2023 10:00:00 +0000

In this episode of Beyond the Paycheck, we are joined Jasper Smith, also known as Mr. Build Wealth, to talk about the complexities of managing financial goals for both parents and children. Our discussion centers on the challenge of saving for our children's college education while also balancing our personal financial aspirations. Jasper emphasizes the importance of considering whether our child truly needs to go to college, highlighting that higher education isn't the only path to success. He encourages us to have candid conversations with our children about their aspirations and to question whether college aligns with their goals. Our dialogue then transitions to exploring various financial tools, such as education-specific accounts and regular investment and savings accounts, that we can utilize to save for our child's future. Jasper emphasizes the significance of early discussions to determine the most suitable solution, with a nod to the SECURE 2.0 act and its implications for saving. Our conversation touches on the option of using funds for alternate purposes if our child chooses not to attend college, illustrating this through anecdotes and suggesting that flexibility and communication are key.

We also delve into the balancing act of financial priorities between education savings and our personal goals, such as retirement and home ownership. We stress the importance of prioritization and decision-making, while considering our individual situations and timeframes. The skyrocketing costs of higher education and the shifting landscape towards trade schools and community colleges are explored as factors affecting the college-versus-trade education decision. The pandemic and its impact on perceptions of formalized education are also discussed. Our discussion continues with reflections on career choices, potential income, and the value of education in various fields, recognizing the need for a solid financial foundation regardless of the chosen path.

Jasper firmly believes in a "village" for financial planning and education. We discuss strategies for harnessing support from family and friends, encouraging them to contribute to financial goals rather than gifting material possessions. Our conversation touches on the delicate balance between providing for our children and instilling a sense of financial responsibility, acknowledging that different households may have distinct approaches.

More from Jasper Smith, "Mr. Build Wealth" and the Build Wealth Movement, here: https://www.thebuildwealthmovement.com/

Find Paula Christine at PaulaChristine.com or via email at paula@paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

KICK OFF YOUR FINANCIAL GAME WITH SOCCER TACTICS!

jag@jagindetroit.com (Peter Huryk, Paula Christine, Jon Gay) — Tue, 15 Aug 2023 10:00:00 +0000

Get ready for an exciting episode as Paula Christine sits down with Peter Huryk, a genius who switched his cleats for a pen. From the soccer field to the world of finance, Peter takes us on a thrilling journey with his book "Setting and Scoring Financial Goals." Co-authored with financial strategist Chris Schaefer, this isn't your usual financial guide. It's a playbook where soccer strategies meet financial planning, specially curated for the vibrant age group of 16 to 26.

Dive into the inception of the book, born from a pandemic-time chat between Pete and his bestie, a financial wizard. Feeling that finance can be a snooze-fest, they decided to spice things up with a universal love: soccer. Their mission? Ensuring the youth, our future leaders, don't just dribble through the financial world but score big!

Discover how your finances are just like a soccer match. Pete breaks down the essence of setting goals, mastering the art of emotional control, and ensuring you don't just shoot impulsively but think of the long game. And here's the clincher: each financial move is a soccer position. Who knew taxes could be opponents on the field and assets had their soccer equivalents?

Not a soccer fan? No worries! Pete hints at more sports analogies in the pipeline. And for all, you "Ted Lasso" enthusiasts, hold onto your seats! Pete, a massive fan, spills some beans about Roy Kent and "Zava" that you wouldn't want to miss.

The goalpost? Gifting young adults a toolkit of financial wisdom wrapped in the thrill of soccer, ensures they remain champions in the money game throughout their life.

For more on Peter's vision, check out: https://www.sportsfinancellc.com

To reach out to our fabulous host Paula, head over to: https://paulachristine.com or drop her a line at paula@paulachristine.com.

Tune in, as we take a corner kick and score some financial goals!

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

A Bazillion Ways To Make Money

jag@jagindetroit.com (Paula Christine, Jeff Kikel, Jon Gay) — Tue, 8 Aug 2023 10:00:00 +0000

Jeff Kikel of Freedom Nation rejoins us today to expand on his idea of "a bazillion ways to make money." Last week we talked about rental incomes and side hustles, and we dig a little deeper today.

One way is to find something you're passionate about and put up an online course on how to do it on a site like Udemy. For example, Jeff is really into Chat GPT, so he has a course on it online.

Jeff also talks about Private Label Rights, or PLRs - the ability to start with someone else's course, add your knowledge, and repurpose it.

You can create a YouTube channel dedicated to one of your passions - whether it's the Civil War or email marketing - Jeff cites an example of a stay-at-home Mom overseas who created income doing the latter.

Imposter syndrome is real, and there are several reasons why people don't think they can start a side hustle or create passive income. Jeff dispels many of those myths for us.

Find Jeff online:

YouTube: https://www.youtube.com/c/JeffKikel

Website: https://www.freedomdaywealth.com/

LinkedIn: https://www.linkedin.com/in/jeffkikel/

Email Paula Christine at Paula@PaulaChristine.com. You can also learn more online at www.PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Freedom Day - How to Plan for Your Last Day of Work.

jag@jagindetroit.com (Jeff Kikel, Paula Christine, Jon Gay) — Tue, 1 Aug 2023 10:00:00 +0000

The idea of saving a large nest egg for retirement is psychologically ineffective and outdated. Instead, you should be thinking about cash flow. What is your "Freedom Day?" It's the day you wake up and can go to work, but don't have to. The author of Freedom Day, Jeff Kikel, joins Paula and Jon today.

Jeff's background is as a traditional financial planner, and he experimented with the "Freedom Day" concept himself before employing it for others. The first step is figuring out your "MRI"- Minimum Required Income. Once you can make 125% of that number from various revenue streams, work becomes optional. For example, if you need $3,000 per month, and you're up to $3,750, you're "free."

This income can come from a combination of investment returns and withdrawals, rental income, side hustles, creating an online course, or even social security if you're old enough

As you work toward your Freedom Day, Jeff works with you on a bucket list. Figure out what's on your bucket list, and realistically, what each item is going to cost.

Not everyone can change their retirement mindset to one of Freedom Day. And Jeff does work with traditional retirement planning as well. But for those who can embrace this concept, it can be life-changing.

Find Jeff online:

YouTube: https://www.youtube.com/c/JeffKikel

Website: https://www.freedomdaywealth.com/

LinkedIn: https://www.linkedin.com/in/jeffkikel/

Email Paula Christine at Paula@PaulaChristine.com. You can also learn more online at www.PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Why True Wealth is Time, Not Money

jag@jagindetroit.com (Erik Nero, Jon Gay, Paula Christine) — Tue, 25 Jul 2023 10:00:00 +0000

True Wealth Is Time, Not Money.

Erik Nero of First-Step Wealth is Paula and Jon's guest today, and he thinks people have many misconceptions about money. It's not about the quantity of money you have; it's about what that money allows you to do. What are you passionate about? In fact, some of this reminds Paula of online dating!

Sometimes mindsets around money can be chased back to childhood. Erik tells a story of his dad making him earn 25 cents to buy a squirt gun. It's a valuable lesson, as opposed to thinking money just appears.

Paula and Erik also spend some time discussing the importance of saving while you're young. Recent law changes have made that easier, but the younger you can start, the better. This is especially true because life often gets more complicated when you get older.

Erik often asks his clients, "What are your values and thoughts about the importance of money and how are those behaviors going to be matched to your overall purpose and outcome?"

Paula and Erik also muse over how hard it is to give advice as a parent; often, your kids will listen to the same exact advice, as long as it's coming from someone else!

Find Erik Nero at https://first-stepwealth.com - via email at Erik@First-Stepwealth.com or by phone at 518-893-1592.

Email Paula Christine at Paula@PaulaChristine.com. You can also learn more online at www.PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Problems Women Have With Money

jag@jagindetroit.com (Paula Christine, Patti Handy) — Tue, 18 Jul 2023 10:00:00 +0000

Paula welcomes Patti Handy back today to talk about a topic both are very passionate about - women and money. Statistically, women struggle with money. There's the gender gap (women earn 83 cents for every dollar men do), and women are often having to care for kids and/or aging parents. More often than not, husbands are in charge of money and investments. All these factors led to Patti's transition from a financial advisor to a financial coach.

While younger women are taking a more active role in managing their money (again, on average) - women approaching retirement age are concerned about running out of money or being a burden to their kids.

People tend to be afraid to ask for help, but it's important to remember that it's not your fault if you haven't been taught something.

It's important to set goals and understand your "why" when it comes to money and savings. Patti also, discusses how important it is to have all of your documents organized in a way that your family knows where everything is located. Download the free resource “Personal Record Book” to get started organizing your estate.

Most importantly, Patti says, is to take care of yourself - mentally and physically.

Learn more about Patti Handy on her websites:

https://www.pattihandy.com/

https://mindinghermoney.com/

Email Paula Christine at Paula@PaulaChristine.com. You can also learn more online at www.PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

When It Comes to Investing, Where Should You Start?

jag@jagindetroit.com (Patti Handy, Paula Christine, Jon Gay) — Tue, 11 Jul 2023 10:00:00 +0000

In this first two-part series, Patti Handy, Financial Coach, covers how to start investing.

The first thing is to have a "roadmap" of where you are. Are you decades from retiring, or winding down your working years? That will affect where you should invest your money. And investing isn't a one-time, "set it and forget it" proposition. Your investments should be reviewed at least annually and will change as your priorities do.

Do not turn to Google or the web for advice on investing your money. Just like in the medical field, there's a lot of bad information out there. Start with a human being who understands you, and can explain what you don't yet grasp. A product or strategy you don't understand may not be a bad investment, but it's not right for you until you can get your head around it. Don't be afraid to ask questions; too often people smile and nod because their ego gets in the way.

The key to understanding investing is starting with your mindset. There are a number of books on this topic - but how did your childhood influence your opinions on money? Are there limiting beliefs we can work to change? Again, know where your starting point is.

Finally, Paula asks Patti what she wishes she could tell her 20-year self. Her answer: compound interest. We wrap up with an explanation and stark example of how powerful compounding can be.

Learn more about Patti Handy on her websites:

https://www.pattihandy.com/

https://mindinghermoney.com/

Email Paula Christine at Paula@PaulaChristine.com. You can also learn more online at www.PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Paula Puts Jon On the Hot Seat

jag@jagindetroit.com (Paula Christine, Jon Gay) — Tue, 4 Jul 2023 10:00:00 +0000

We've been doing this podcast for a little over a year, and today Paula Christine puts Producer Jon in the hot seat. We've talked a lot about managing your money over our first 56 episodes. But what has Jon taken away? How has he saved money?

Jon talks about his top 5 takeaways, including:

Eliminating bottled water
Eating Out Because of No Dinner Plan
Expensive Coffee Drinks
Expedited Shipping and Mobile Payments
Credit Card Interest

But Jon's not going to let Paula off the hook. He asks her how SHE is saving. She mentions gym memberships and streaming services. Who knew we'd spend part of this episode talking about yoga and Ted Lasso?

Email Paula Christine at Paula@PaulaChristine.com. You can also learn more online at www.PaulaChristine.com.

Need help with your podcast? Reach out to Jon at jag@jagindetroit.com or through his website, https://jagindetroit.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Changing Your Career By Betting On Yourself

jag@jagindetroit.com (Sasha Rogers, Jon Gay, Paula Christine) — Tue, 27 Jun 2023 10:00:00 +0000

Today, Paula Christine welcomes Sasha Rogers, a woman who left her career, bet on herself, and now helps others with their mindset.

We start with Paula's son, who is working very hard at a job he's not happy at. But he's well compensated and not ready to jump. Sasha feels he's got a certain savings number in his head. That's a common sticking point.

We spend some time talking about what we learned from our parents and what we teach our kids about money. It's very easy to be risk averse and not want to see bad things happen to your children, but you often have to give them the leeway to make mistakes and learn from them.

How do you take a giant step forward? The same way some people eliminate debt - the snowball method. Start with little, small successes, and stack these wins to build momentum.

When asked "What have you learned about money?" Sasha, says to spend the money to invest in yourself.

Want to learn more about Sasha? Email her at sasha@inneranthemacademy.com

Or find her on Instagram at @Sasha_fitcounselor

Email Paula Christine at Paula@PaulaChristine.com. You can also learn more online at www.PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

David Grew Up In A Cult. This Is How He Changed His Mindset

jag@jagindetroit.com (David Messano, Paula Christine, Jon Gay) — Tue, 20 Jun 2023 12:59:54 +0000

In this episode of "Beyond the Paycheck," Paula Christine delves into the topic of feeling stuck in life and how to overcome it with mindset training and nutrition coach, David Messano. David shares his personal experience growing up in a cultish family as one of eighteen kids and how he had to change his beliefs to achieve financial freedom. He emphasizes the importance of having the right mindset to achieve success and how it can make all the difference in one's life.

Paula and David discuss the scarcity mindset, which is the belief that there is not enough to go around, and how it can hold people back from achieving their goals. They share how they overcame this mindset by reading books and listening to motivational speakers who helped them shift their perspectives. They also talk about the quantum field, which is the idea that everything is connected and that our thoughts and beliefs can influence our reality.

David explains how he uses the quantum field to manifest the life he wants and how anyone can do the same by changing their thoughts and beliefs. He emphasizes that changing your mindset is possible, but it takes effort and consistency. Paula and David both agree that it's crucial to surround yourself with positive people who have the energy and mindset you want to emulate.

Overall, this podcast episode provides valuable insights into the power of mindset and how it can impact one's life. It encourages listeners to take control of their thoughts and beliefs and to surround themselves with positivity to achieve their goals.

Connect with David on Instagram: https://www.instagram.com/david_messano1of18/

Email Paula Christine at Paula@PaulaChristine.com. You can also learn more online at www.PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Understanding SECURE 2.0

jag@jagindetroit.com (Jon Gay, Paula Christine, Tricia Bailey) — Tue, 13 Jun 2023 10:00:00 +0000

Tricia Bailey is back this week to talk about the changes in the SECURE 2.0 Act passed by Congress, and how they will affect you, including incentivizing retirement savings.

Business owners can get tax credits for instituting retirement plans for their employees. Not only will this allow them to save money, but they can offer a benefit to be more attractive to potential employees.

Also, when it comes to enrolling in a retirement plan, employees will have to opt out of the plan instead of opting in. This can reduce the overwhelm when HR drops a giant benefits package on your desk. Studies show that 88% of employees auto-enrolled stay enrolled!

Too many Americans are living paycheck to paycheck and aren't able to save for retirement. SECURE 2.0 will allow for penalty-free withdrawals from retirement accounts in an emergency, and it will also incentivize employees to have an emergency savings fund, with retirement plan benefits. Tricia explains.

There will soon be a student loan 401k match, allowing employers to match student loan payments in retirement accounts for employees, according to their existing plan rules.

Part-time workers will be able to contribute to a retirement plan, and if you employ a domestic employee, such as a nanny, or home health care aide, you can create a SEP for them.

One of Paula's favorite aspects of SECURE 2.0 is the ability to convert unused money from a 529 education savings plan to a Roth IRA. Not everyone uses that money for college or a trade school - this will allow them to convert that money into a post-tax retirement plan.

If you have additional questions, you can reach Tricia Bailey at 248-520-6372 or tricia.bailey@futureplan.com

Email Paula Christine at Paula@PaulaChristine.com. You can also learn more online at www.PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Self-Employed Retirement Saving Options

jag@jagindetroit.com (Paula Christine, Tricia Bailey, Jon Gay) — Tue, 6 Jun 2023 10:00:00 +0000

Tricia Bailey from Future Plan rejoins us today to talk about savings vehicles for the self-employed. We start with the various limits on SEP IRAs and various 401k plans. This can include a spouse if he or she is being paid by the business.

We spend a lot of time today on a vehicle that isn't often discussed - a cash balance plan. This is an amazing opportunity for high net-worth individuals, who wouldn't have enough savings to support their lifestyle in retirement-based contributions limits of the traditional methods. You can put $260,000 or more per year into this account depending on your age and income. It's pre-tax dollars, so it is not included in your annual income. Yes, you'll have to pay taxes upon withdrawal, but that could be at a time when you're in a lower tax bracket.

Tricia shares examples from doctors and dentists, and what they were able to accomplish with plans like these. Or, if you have a "side hustle" in addition to your 9-5 job, that "side hustle" cash could be saved similarly.

These plans can also be used to mitigate tax exposure when selling a business or dealing with succession planning. Tricia explains some of the rules around contribution limits and timeframes.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Celebrating One Year of Beyond The Paycheck

jag@jagindetroit.com (Jon Gay, Paula Christine) — Tue, 30 May 2023 10:00:00 +0000

Today, Paula Christine and Jon Gay celebrate one year of the Beyond the Paycheck podcast by looking back on some of their favorite topics and guests over the last 50+ episodes. They include:

Episode 20: Listener Aaron who was about to get engaged (update: he's put a ring on it)
Episode 25: Michael talking about VA loans and the resources available to our veterans
Episode 33: Marc talking about home buying in a rising interest rate environment
Episode 5: Money coach Eboney on taking control of your money
Episode 49: Monica on finding your passion, and how it doesn't have to be reflected in your day job
Episode 22: Coach Jon on money mindset
Episode 24: Marty on investment "buckets"
Episodes 17 and 18: Lynn on diversification
Episode 3: Shannon on understanding your 401(k)
Episode 23: Paula and Jon on holiday spending
Episodes 34 and 35: Money mindset and how our upbringing plays into our relationships
Episode 27: Divorce journalist Ilyssa.
Episode 31: Lisa the Certified Divorce Financial Analyst

We wrap up with some final thoughts - what Jon has learned about money, and what Paula has learned about podcasting!

To reach Paula, you can email her at paula@paulachristine.com or visit her website: https://paulachristine.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Don’t Make These Mistakes When Applying For A Mortgage

jag@jagindetroit.com (Aelene VanDerVeen, Jon Gay, Paula Christine) — Tue, 23 May 2023 10:00:00 +0000

There are many mistakes you can make when applying for a mortgage, Today, Paula Christine and Jon are joined by Aelene Vanderveen of Cross Country Mortgage. Aelene will walk us through some common pitfalls and how to avoid them.

A mortgage calculation looks at three main categories - income, assets, credit, and collateral. The first three are largely within your control. Aelene talks about not making any large purchases or gaining a large asset while going through the home-buying process. As the saying goes, "You can't borrow money to borrow money." She explains what this means.

Don't open any new lines of credit - even those department store cards that offer discounts for small purchases. That can affect your application, as can any credit pull. You may be excited to furnish your new home, but it's best to wait. Aelene also explains why it maynot be a good idea to pay off medical debt during this period. Seems counterintuitive. The bottom line, talk to your lender before making any financial moves.

We also spend some time on credit scores, what goes into it, and why your credit history and debt-to-credit ratio is crucial. In fact, during the tumult of 2008, some borrowers' credit scores dropped, simply because credit card companies lowered their limits!

What if you're self-employed, like Paula and Jon? Aileen says you'll likely need your last two years of tax returns, plus a rough P&L statement for the current year.

What if you're applying with someone else - such as a spouse or even a friend/roommate? Your lender will take the middle of the three credit scores for each applicant, and the lower one goes into the file. This is important to think about if you can get approved on one person's income vs. two.

At the end of the day, the most important thing is to overcommunicate with your lender. If you aren't sure about something, ask!

You can find Aelene at Cross Country Mortgage at 734-679-7000, or email her: aelene.vanderveen@ccm.com

To reach Paula, you can email her at paula@paulachristine.com or visit her website: https://paulachristine.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Payroll Deductions Explained

jag@jagindetroit.com (Tricia Chau, Jon Gay, Paula Christine) — Tue, 16 May 2023 10:00:00 +0000

This week, Paula and Jon are joined by Tricia Chau of Payroll Vault, for a walk through the deductions that come out of your paycheck. The amount that is deducted from your paycheck can be quite surprising!

First is the FICA tax, which stands for the Federal Insurance Contributions Act - which includes Social Security and Medicare taxes.

Next, we break down deductions, both voluntary and involuntary. Federal and state withholding can depend on what you designate on your W4 form. Tricia explains how the W4 form has recently changed, to make it more about income and less about exemptions. Regardless, keeping this form updated, especially when you have a major life event, is crucial in making sure the right amount of taxes is being deducted from your paycheck.

If you have questions about this, talk to your accountant, CPA, or financial advisor - this is not something you should be discussing with your employer.

Voluntary deductions can include health insurance, 401k and other investments, and health care if related to a 125 plan, which Tricia explains.

How important is it to understand your deductions and make sure they are being taken out correctly? Tricia shares some horror stories of what can go wrong.

Tricia works with employers at Payroll Vault, and you can find her at https://payrollvault.com/178 or via phone at 248-833-6400.

To reach Paula, you can email her at paula@paulachristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Finding Your Passion

jag@jagindetroit.com (Monica Fochtman, Paula Christine, Jon Gay) — Tue, 9 May 2023 10:00:00 +0000

Monica Fochtman, PhD, is a career clarity coach and resume expert, specializing in helping people find their true passion, with her company Sheldrake Consulting. When Paula's own son struggled with finding his ideal career, Paula reached out to Monica to come on the show.

We start with a look at resumes in 2023. Talking about ourselves and our strengths is important, and we are often tempted to list all of our strengths on a resume, but Monica explains why it's better to focus on some key areas, tailored to the job you're applying for.

We also discuss LinkedIn, where it's possible to grow your network exponentially. And it's important to always be active on LinkedIn, not just when you're job-hunting. The value in this is building your network before you need it. In fact, schedule your time to be active on the platform, just as you would plan out everything else on your to-do list, and make a habit of it.

Monica started her business in 2017 when she discovered a passion for helping people find their ideal careers. And she says there are two schools of thought - following your passion as a career, or having a separate career that allows you to follow your passion when you aren't at work.

To learn more about Monica and what she does, you can email her: monica@sheldrakeconsulting.com or visit her website at sheldrakeconsulting.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Employee Benefits Explained

jag@jagindetroit.com (Angela, Paula Christine, Jon Gay) — Tue, 2 May 2023 10:00:00 +0000

Paula Christine's son just started a new job, and he had a pile of benefits paperwork dumped on him. Today, Paula welcomes Angela from Bridged Benefit Solutions to break it all down.

A phrase like "accidental death and dismemberment" sounds terrifying. But as Angela explains, it's a useful add-on to a life insurance policy that creates additional benefits for your loved ones should the unthinkable happen to you.

We also spend some time on life insurance policies, breaking them down as employee benefits and whether or not they can be portable if you leave your job. Also, should you have children or grandchildren, why you may want to purchase a policy for them. It's an awful thing to think about, but we've all seen the terrible stories behind GoFundMe accounts in times of tragedy.

What about short-term vs long-term disability? Ideally, you should have both, but Angela explains the differences between them. And Paula explains how this ties into financial planning and how it can interact with saving for an emergency fund.

We also talk about hospital policies, accident policies, and critical illness policies. Angela gives some examples of how these can pay out.

And what options do you have if you're self-employed, like Paula and Jon?

To reach Angela at Bridged Benefit Solutions, call her at 248-250-2420 or find her website at www.bridgedbens.com

If you have additional questions, email Paula Christine at Paula@PaulaChristine.com. You can also learn more online at www.PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Understanding 401K Plans

jag@jagindetroit.com (Tricia Bailey, Jon Gay, Paula Christine) — Tue, 25 Apr 2023 10:00:00 +0000

401(K) plans are complicated! Today, Paula and Jon are joined by 401(K) expert Tricia Bailey. We're going to cover what employees need to know about their plans.

One of the biggest things plan participants don't understand are the fees associated with the plan. How much do employers pick up vs. how much do employees themselves cover? Because this information is disclosed in a complicated form, listed in percentages, few employees read it. And even fewer understand it! That's why working with a financial planner can be so important. Is the plan a good fit, or should you be allocating more toward other retirement vehicles?

80% of the population uses "set it and forget it" style target date funds, based on their age. Well, everyone's financial situation is different, and one size certainly does not fit all. And two plans, with the same target date, might be managed completely differently by two different companies!

When it comes to fees, Paula mentions not all fees are bad. Sometimes, free means you get what you pay for. Understanding what fees you are paying and what services are available is key to planning your financial future

With the recently passed SECURE Act 2.0, there will be additional vehicles set up to help Americans save for retirement. This will be a welcome change, as the vast majority do not have nearly enough saved for their future. Paula shares the story of a rude awakening for a couple she just met.

For solo entrepreneurs, there are retirement vehicles such as a solo 401(K) and a SEP IRA. Tricia explains how they work. But if you are a very high earner, the contribution limits on these accounts will not allow you to have the same lifestyle in retirement that you have now. She breaks down the numbers and some ways to save a much larger nest egg for retirement.

If you have additional questions, you can reach Tricia Bailey at 248-520-6372. or find email Paula Christine at Paula@PaulaChristine.com. You can also learn more online at www.PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

How Credit Repair Works

jag@jagindetroit.com (Carolyn Feldman, Paula Christine, Jon Gay) — Tue, 18 Apr 2023 10:00:00 +0000

Carolyn Feldman of Nationwide Credit Clearing rejoins us this week to continue the conversation about her services.

Nobody intends to get into debt, but it happens. The problem with so-called "credit counseling" or "debt consolidation" is that you often have to stop making payments on your debts before they can get involved. This will tank your credit score. Carolyn and Paula talk about other ways to handle debt. But if your credit score needs improvement, that's where Nationwide Credit Clearing comes in.

Not only are they the only legal credit repair company in the country, but they also have industry-exclusive access to your FICO score. They can check your credit score without dinging you to see exactly what's happening. From there, they are able to dispute any bad marks with the 3 major credit bureaus and potentially have them removed from your report.

Carolyn also talks about establishing credit for someone. When done right, a parent or spouse can co-sign a lease or other document to help build credit. But the pitfall is that if payments are not made, it can sink the credit scores of both individuals.

Do you know about the 30% rule? Using more than 30% of your available credit can damage your credit score. And while it's supposed to be 30% of your total credit, that's not what Carolyn has seen in the real world.

We spend some time in this episode talking about all the scams out there. What are the red flags to watch out for? A good resource is RipOffReport.com.

Also in today's episode, Jon reveals something about his financial history that he's never talked about on the show before...

To reach Carolyn at Nationwide Credit Clearing, you can call her at 248-254-3315 or send her an email at carolyn@mynationwidecredit.com

To reach Paula Christine regarding any financial questions, visit her website at PaulaChristine.com or email her at Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

A Deep Dive on Credit Scores with Carolyn Feldman

jag@jagindetroit.com (Carolyn Feldman, Jon Gay, Paula Christine) — Tue, 11 Apr 2023 10:00:00 +0000

Carolyn Feldman of Nationwide Credit Clearing joins us for the first of two episodes today. We cover a wide range of topics from establishing credit to the difference between a FICO Score and what she calls a "Fake-O Score."

When you're young and you need to establish credit, you may want to consider a secured credit card - Carolyn explains the difference between secured and unsecured, as well as how credit utilization and bill payment affect your credit score.

To get your true credit score, you'll want to get your FICO Score from MyFico.com. You're able to look at your true FICO score (that potential lenders see) once per year at each of the three major credit bureaus, for free.

Beware of a website called Credit Karma - this is only an estimate of your score. They have only 2 of the 3 major credit bureaus - Experian won't participate with them. So Carolyn calls Credit Karma your "Fake-O" score as opposed to your FICO score.

If you're a Capital One customer, they have a program called Credit Wise. This is a true FICO Score.

It's important to know the difference between a hard pull of your credit history and a soft pull. When you check your score, that's a soft pull. There's no penalty for checking on your rating. When a third party pulls your score, that's a hard pull and can affect your rating.

Credit cards have billing cycles and statements, and credit bureaus are no different - this will affect when new information hits your credit report. Carolyn says to think of it like a report card. She explains why.

If you find an error on your credit card report, you can challenge it. And, by law, if the creditor doesn't respond in 30 days, it comes off your report. But remember, often the dispute is with the lender, not the actual credit reporting agency.

We also spend some time on medical bills, which are often a source of financial hardship. Medical bills do not go on your credit report until they are unpaid. This is why it's a good idea to even make small payments on a large bill, so they remain in repayment.

To reach Carolyn at Nationwide Credit Clearing, you can call her at 248-254-3315 or send her an email at carolyn@mynationwidecredit.com

To reach Paula Christine regarding any financial questions, visit her website at PaulaChristine.com or email her at Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Types of Bank Accounts Explained

jag@jagindetroit.com (Sue, Jon Gay, Paula Christine) — Tue, 4 Apr 2023 10:00:00 +0000

Today, Paula and Jon are joined by Sue, a banking expert who will walk us through the different types of bank accounts. We start with an explanation of FDIC insurance, and what that means (given recent events in the news).

To find out more about the coverage in your accounts, you can visit the "Edie" tool on the FDIC website here: https://edie.fdic.gov/

Many banks offer the same products, but Sue says if you want to have a more personal relationship with your institution, you should consider a community bank instead of a larger one.

In terms of fees, there are fees for not keeping a minimum balance on some accounts, and of course overdraft fees. Paula, Sue, and Jon discuss where overdraft protection comes in and when/where that might be appropriate for you. Ideally, you never want to overdraft your account, but it can happen.

Next, we talk about the differences between savings and money market accounts. Savings accounts typically have a lower balance requirement, but don't pay as high an interest rate. One idea is to keep one of each - and try to leave the money market account separate from your savings. Even if it is liquid and accessible, you'd ideally like to leave the money that's earning more interest alone!

There are also CDs or certificates of deposit. CDs typically pay a higher interest rate than money market and savings accounts, but you committed to a predetermined time period. Withdrawing funds early can result in a penalty.

Finally, we talk about credit vs debit cards. Credit cards are easier to recover from fraudulent use, and can earn perks like airline miles, but you need to be able to pay off the balance every month.

Need help with your financial future? Learn more about Paula and her work at PaulaChristine.com or send her an email: Paula@PaualChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

All About Credit Scores

jag@jagindetroit.com (Paula Christine, Jon Gay) — Tue, 28 Mar 2023 10:00:00 +0000

March is National Credit Education Month. As it draws to a close, today, Paula Christine and Producer Jon Gay do a deep dive into credit scores. Why are they important, how do you build credit, and how do you rebuild your credit score if it's dropped?

There are many ways to establish credit when you're young. This could mean using a secured credit card (where the limit is backed up by a deposit in a bank account). Or it could mean having a minor as a co-signer on a loan, such as an auto loan. Just be sure you're making those payments!

Why is a credit score important? It will affect your ability to get a home or car loan and the interest rate you'll pay. And here in Michigan, it can even affect your car insurance rate. This is unfair, and there's work being done to change this, but for now, it remains the law.

How do you find your credit score? There are three credit bureaus that you can check online - Experian, Equifax, and TransUnion. You should download your credit report and ensure there are no mistakes. And if there are marks against you, you should work to fix them. Paula also suggests freezing your credit, and only unfreezing it when applying for a loan. Any inquiries into your credit history (whether you asked for them or not!) can impact your score.

If you have a low credit score, you might also consider being a co-signer on a loan. And if you're in debt, some companies exist to help you create a plan to get out. Or, you can even negotiate with credit card companies yourself!

You can work your way out of debt with discipline. You can pay off multiple credit cards one at a time, either by smallest balance or highest interest rate.

Paula has several tips on getting out of debt on the resource page of her website here: https://paulachristine.com/resources/

Need help with your financial future? Learn more about Paula and her work at PaulaChristine.com or send her an email: Paula@PaualChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

How Do I Financially Protect My Baby?

jag@jagindetroit.com (Elizabeth, Paula Christine, Jon Gay) — Tue, 21 Mar 2023 10:00:00 +0000

Today, Paula Christine is joined by listener Elizabeth, mom to a two-year-old daughter. And she has questions about how to best protect her child, financially.

Importantly, she has a 529 College Savings Plan set up for her. And with recent updates to the SECURE Act, that money is now more flexible. If her daughter ends up not using that money for qualified educational expenses, it can be rolled into a Roth IRA later on.

Speaking of Roth IRA's, Elizabeth also wants to know how early she can set up a Roth IRA for her daughter. Turns out, there's no minimum age, but the child has to be paid wages. And we get into some interesting ideas on how this could work, even for a baby!

We also talk about life insurance -both for parents and baby. Life insurance is critical, so that the income of a parent can be replaced if something happens to them. And for the baby, Elizabeth asks about a Gerber plan. Paula talks about something similar she took out on her own kids.

The most important thing you should do for a child is to designate a legal guardian in the event something happens to his or her parents - this is explained well by Shannon DeWall in last week's episode.

It's also crucial that you take care of your own finances, not just your kid's. Too often, parents focus on providing for their kids before themselves. And if your own financial house isn't in order, that will put the burden of taking care of you onto your children.

Need help with your financial future? Learn more about Paula and her work at PaulaChristine.com or send her an email: Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

How to Protect Your Kids

jag@jagindetroit.com (Shannon Dewall, Jon Gay, Paula Christine) — Tue, 14 Mar 2023 15:24:50 +0000

Recently, Paula Christine was talking to her daughter about an uncomfortable topic - what would happen to her daughter's kids if she weren't around?

Attorney Shannon DeWall rejoins us today to talk about the documents you need to protect your children should you pass away or even become incapacitated. They include a will, a standalone document for guardianship in the event of disability, and (in many cases) a trust. Minors cannot inherit money, but that money can go into a trust to provide for them.

Shannon also advises against making the trustee and the guardian the same person. This can provide some valuable checks and balances to protect the children.

Paula makes a good point in today's episode - if you don't stipulate a guardian for your children, that can end up in probate, and the kids could go with someone you don't even like! Also, what if you're still alive, but incapacitated? You need to prepare for that possibility as well.

We do break down the case of divorced parents. Often, the surviving parent would get custody. But if the parent who passed away had full custody previously, that may not be the case.

For more information on this topic, you can reach Shannon at Shannon@Dewall-law.com or at 734-772-1220. Her website is: https://dewall-law.com/

Need help with your financial future? Learn more about Paula and her work at PaulaChristine.com or send her an email: Paula@PaualChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Saving Tips with Shannon Maloney

jag@jagindetroit.com (Jon Gay, Shannon Maloney, Paula Christine) — Tue, 7 Mar 2023 11:00:00 +0000

Shannon Maloney rejoins Paula and Jon this week to discuss savings tips. It's important to save for retirement, but that's extremely difficult when you're living paycheck to paycheck.

If you're still feeling the pain from holiday spending, you'll love Shannon's first tip. Buy a gift card every month for the whole year. When Christmas arrives, you can either use them or gift them, without taking a huge hit to your wallet.

We also talk about credit cards. Treat them as cash; only spend what you can pay off in full every month. Yes, there are perks like travel rewards, but if you accumulate interest on your cards, that will far outweigh any benefits. When spending, think about "needs" vs. "wants."

Paying your mortgage bi-weekly instead of monthly, will create two extra payments a year so you can get the balance down faster.

Paula and Shannon talk about thrift stores. Many times you can find tags-on clothing . This has benefitted everyone from Paula to Shannon's teenage daughters.

Check out GoodRx to save on prescriptions. Also talk with your pharmacist about generics.

Bottled water, coffee, speeding and parking tickets - there are so many areas where you can save a lot of money with some due diligence.

To reach out to Shannon and get her list of tips, email her at Shannon@SRPretire.com.

For bigger picture financial help, you can email Paula Christine: paula@paulachristine.com, or visit her website: https://paulachristine.com/

Disclaimer: Investment advisory services are offered through Strategic Retirement Partners, an SEC registered investment advisor. All the opinions and comments made on this podcast today are the opinions of Shannon Maloney and not the opinions of Strategic Retirement Partners.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Start Saving for Retirement Early

jag@jagindetroit.com (Shannon Maloney, Paula Christine) — Tue, 28 Feb 2023 11:00:00 +0000

Today, we welcome back Shannon Maloney of Strategic Retirement Partners to talk about retirement plans - and how important it is to start saving early.

Social Security is not going to cover your cost of living in retirement. So your retirement plan becomes your paycheck after you stop working. Time in the market is one of the most important ways to grow these accounts, due to the power of compounding interest. Shannon also talks about dollar cost averaging, which is putting the same amount of money into the market. Now, this may seem counter-intuitive after a year like 2022, but you're actually buying the market "on sale." She explains. Finally, take advantage of your employer match. This is, essentially, free money from your employer that you're leaving on the table if you don't participate.

Targeted retirement funds based on investors' age have taken some of the stress out of investing, and that's certainly one way to plan for retirement. But most people don't know much about the space; that's why Shannon is thrilled that Michigan is mandating this be taught in schools starting in 2024.

Paula and Shannon touch on the importance of budgeting, and prioritizing your retirement savings. This should be an important line item in your budget, like a mortgage, groceries, etc.

We also answer the question: Should you save for retirement first, pay off debt first, or both?

To reach out to Shannon regarding the workplace plan you have for your employees, email her at Shannon@SRPretire.com.

For bigger picture financial help, you can email Paula Christine: paula@paulachristine.com, or visit her website: https://paulachristine.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Do I Have Enough?

jag@jagindetroit.com (Paula Christine, Jon Gay) — Tue, 21 Feb 2023 11:00:00 +0000

Today, Paula Christine and Producer Jon cover two key questions. Do I have enough money to survive on my own? And if not, how do I get there?

Paula has been having this conversation a lot lately with people who want to get out of a bad relationship or move out of their parent's home. The first step is figuring out how much money you need to survive. That means looking at the money coming and the money going out. Is there a gap? If so, how do you close that gap?

The solutions are going to be different for everyone. Maybe it's a second job or returning to school to raise your earning potential. But maybe you can't because you have childcare issues. You might have start by shopping your cell phone bill or cutting cable if you watch mostly streaming services. It becomes critical to 1) think outside the box and 2) change your mindset.

A scarcity mindset will have you living paycheck to paycheck and finding excuses for not breaking this cycle. An abundance mindset involves appreciating what you have and planning for a positive outcome. Money can be emotional, so changing your mindset may not be easy initially, but it is worth it in the long run.

Paula has two webinars coming up that can help you get started. The first is on budgeting for groceries next Tuesday, February 28th. And you can also check out her Making Money Matter course.

https://learn.paulachristine.com/budgeting-for-groceries

https://learn.paulachristine.com/mmm

Want to know more? Email Paula: Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

How to Budget for Groceries

jag@jagindetroit.com (Jon Gay, Paula Christine) — Tue, 14 Feb 2023 11:00:00 +0000

On Tuesday, February 28th, Paula Christine will host a webinar on a topic that's become increasingly important in recent months - grocery budgets. It will be offered twice, at 11am and 8pm Eastern, and you can link to it here: https://learn.paulachristine.com/budgeting-for-groceries

The first step is figuring out what your food costs look like. Paula found out she's spending much more than she thought, and she wouldn't be surprised if it's the same for you.

Once you figure out what you're spending, you have to create a budget, and have a plan for what happens if you go over that budget. Does that money come out of next week's budget? Does it come out of this week's budget somewhere? Which parts of your budget are static, and which parts are flexible? Paula and Producer Jon walk through some examples.

Another way to save on your food budget is to cut back on going out to eat and on getting takeout. These costs have skyrocketed with inflation, to say nothing about all the extra fees for services like DoorDash, GrubHub, Postmates, and more!

Remember how grandma used to clip coupons? Well, you don't need scissors anymore. Just look online. Often, grocery stores will have sales, and you can find the best prices on everything from produce to pop. And you can even put your grocery together online for pickup. Not only will this allow you to make sure you're within your budget, it will also prevent you from walking into the store and making those impulse buys!

What about buying in bulk? Paula and Jon talk about the benefits of big box stores like Costco. You can even buy meat to freeze. And speaking of freezers, how many meals are in yours right now? Knowing this can save money and cut down on food waste.

Meal delivery services - Jon and his wife have tried one. He and Paula explore the pros and cons and when one might be a good decision for you.

This online course and webinar will be really useful in creating a grocery budget. Paula's got 20 tips. Some may work for you, and some may not. But we're sure you'll get something valuable. Again, you can find more information here: https://learn.paulachristine.com/budgeting-for-groceries

Additionally, you can reach out to Paula on her website, PaulaChristine.com, or via email at Paula@PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Resume Rescue's Angela Buccellato

jag@jagindetroit.com (Angela Buccellato, Paula Christine) — Tue, 7 Feb 2023 11:00:00 +0000

Angela Buccellato does more than write resumes at the Resume Rescue. She helps clients change companies and careers, and always has her finger on the pulse of the job market. She joins Paula Christine today to talk about just that.

It's vitally important to keep your resume updated. But it doesn't have to be an arduous process. Set a periodic reminder to record what you've accomplished recently - career-wise, volunteering, anything. That way, when you need an updated resume, it won't be so daunting.

Paula and Angela talk about that scary word "networking" - and Angela explains that the concept doesn't have to be so intimidating. It's often easier than you think.

Have you had a 6% raise in the last year? If the answer is no, you took a pay cut. Angela explains why.

LinkedIn is an extremely powerful tool when used well. In fact, Angela can see a world where it's used instead of resumes and the dreaded cover letter.

We'll also hear Angela's back story, and how her experience as a corporate recruiter made her so passionate about being a "personal cheerleader" for her clients, and making sure they're happy and paid what they're worth. She gives us a couple client success stories.

To connect with Angela:

Listen to her Podcast, That's Business: https://thats-business.simplecast.com/

Find her on LinkedIn at https://www.linkedin.com/in/angela-buccellato/

Or check out The Resume Rescue: https://theresumerescue.com/

Paula's Website: https://paulachristine.com/

Paula's Email: Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Dr. Sally Palaian on Couples and Money

jag@jagindetroit.com (Dr. Sally Palaian, Paula Christine, Jon Gay) — Tue, 31 Jan 2023 11:00:00 +0000

In the second of our two-part series with Dr. Sally Palaian, we take a closer look at couples and money. As with all things in marriage, communication is key. Everyone has their own story, behaviors, dreams, aspirations, disappointments, hopes, and ideas about what money is and what money's not. As we referenced in our previous episode, it is often formed by your upbringing.

If you are entering a partnership with someone, it is essential to talk about money, how the finances will be set up and how they will be discussed. Sometimes there is some level of interdependency. Opposites attract, as we know. And often, a spender and a saver may pair up.

Dr. Sally goes through some possible solutions to money disagreements today. If internal communication in the relationship isn't enough, you can seek help. And you don't have to start with a mental health professional - you can begin with a CPA or financial advisor.

Often, the money relationship in a couple can be tied to power. That's why it's so important to educate yourself about money, and all money matters.

More on Dr. Sally Palaian: https://www.positiveselfcenter.com/

Sally's book, Spent: https://www.amazon.com/gp/product/1592856993

Paula's Website: https://paulachristine.com/

Paula's Email: Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Dr. Sally Palaian on Breaking Old Mindsets

jag@jagindetroit.com (Dr. Sally Palaian, Paula Christine) — Tue, 24 Jan 2023 19:55:50 +0000

Dr. Sally Palaian has 32 years of therapy experience and she joins Paula and Jon today for the first of a two-part series on changing your mindset. We use money as an example, but these concepts extend far beyond the financial world.

We learn mindset from our parents - some of it consciously, some of it not. What did you hear about money and class and situation when you were a child? Has it stuck with you? Kids are sponges for the information they get from their parents and he world around them.

The first step in changing mindset is awareness. You have to be aware of what you're doing and thinking, and how you're behaving. One you have that awareness, you can start making changes. Maybe it takes an outside perspective, like a friend, family member, or colleague. Producer Jon jumps in and shares how his wife was that for him. The second step is setting boundaries. Sally and Paula share some examples.

We also talk today about "abundance mindset" vs "scarcity mindset." It may be very difficult to shift from one to the other, but Dr. Palaian shares another "in between" state of mind. Not knowing. Don't assume scarcity or abundance, but let the world come to you.

More on Dr. Sally Palaian: https://www.positiveselfcenter.com/

Sally's book, Spent: https://www.amazon.com/gp/product/1592856993

Paula's Website: https://paulachristine.com/

Paula's Email: Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Should We Wait To Buy A House?

jag@jagindetroit.com (Paula Christine, Marc Edelstein, Jon Gay) — Tue, 17 Jan 2023 11:00:00 +0000

Rising mortgage rates have scared many potential home buyers, but as we will learn today, it still might be a great time to buy a house. Paula and Jon are rejoined by one of their very first guests, Marc Edelstein of Ross Mortgage.

Yes, interest rates have come up, but home prices have come down. Marc walks us through the math of why your final numbers today might not be far off from where they were in the past. In many ways, we are returning to a bit of a "normal" market.

We also talk about owning vs. renting. Every individual's situation is different of course, and sometimes your circumstances may dictate that you need to be a renter. Marc tells us why he considers paying rent to be a "100% interest rate" and why it's advantageous to buy, as a way to accumulate wealth.

What happens if mortgage rates drop? Even a 1% lowering of interest rates can be worth refinancing your home, and Marc explains why.

Producer Jon also jumps in with his key takeaway, as he and his wife are be looking for a bigger home soon.

If you'd like to reach Marc, you can do so via his website, https://www.thatmortgagebanker.com/

Or give him a call at (248) 379-6749. Marc is powered by Ross mortgage NMLS number 533706.

For bigger picture financial help, you can email Paula Christine: paula@paulachristine.com, or visit her website: https://paulachristine.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

SALTA Direct Primary Health Care

jag@jagindetroit.com (John Blanchard, Jon Gay, Paula Christine) — Tue, 10 Jan 2023 11:00:00 +0000

It's no secret that our health care system is broken. It's overcomplicated and too expensive. For years, free market forces that have revolutionized other industries haven't been able to break through the health care wall. SALTA Direct Primary Care is changing that - Dr. John Blanchard is Paula's guest today.

SALTA charges $90 per month for unlimited primary care and telehealth visits, providing services that cover 80% of most Americans' health care needs. This is an alternative to paying a high dollar amount out of pocket until you meet your insurance deductible. And what about the services that SALTA does not provide? Thanks to the Affordable Care Act, they have access to the cash prices for the same services at many different providers. Did you know that some hospital systems in Michigan charge three times the price for the same exact quality of care?

Does a system like this mean you no longer need health insurance? No. But John believes we start looking at health insurance the way we look at car insurance. We don't insure against oil changes, brake pads, and tires? We only insure against catastrophic events like car accidents. That's how we should look at our health insurance. We should have coverage so that a major sickness or hospital stay won't bankrupt us, but we don't need to be covering physicals, common colds, and more.

The way our current health care system is set up, it relies on healthy young people to pay into the system, to cover the health care costs of older individuals who need more care. John hopes that as more younger folks opt out of the traditional system, it will force changes that will benefit all of us.

To learn more, visit: https://saltadirect.com/

To learn more about Paula Christine, visit: https://paulachristine.com/

Or drop her an email at Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Divorce Attorney and CDFA Lisa Zeiderman

jag@jagindetroit.com (lisa zeiderman, paula christine) — Tue, 3 Jan 2023 11:00:00 +0000

Manhattan divorce attorney Lisa Zeiderman is today's guest. Unfortunately, the beginning of the year is when many people begin thinking about divorce. Lisa is CDFA, or Certified Divorce Financial Analyst. She has the training to help you through the legal aspects of your divorce, but she can also help a client determine how assets may be divided up, and how to financial plan for their future post-divorce. This can be a valuable asset during a very emotional time.

Paula asks what constitutes separate property versus marital property. Lisa explains, and shows us the valuable of a prenuptial agreement, or even a post-nuptial agreement in some cases. One of the big financial pitfalls in marriage is intermingling of financial assets- that can really complicate a settlement, especially without a prior agreement in place.

Next, Paula and Lisa talk about debt. In what cases would you be responsible for your partner's debt after a divorce?

We cover the documents you should have, if possible, prior to meeting with a divorce attorney. And Lisa also explains what you should look for in a divorce attorney. You want someone who's going to be honest with you, and that you connect with. And we also spend some time on the discovery process - how exactly a divorce works.

To reach Lisa:

Website: https://lisazeiderman.com/

Email: LZ@mzw-law.com

To reach Paula:

Website: https://paulachristine.com/

Email: Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Retirement Questions from Listener Jamie

jag@jagindetroit.com (Jamie, Paula Christine) — Tue, 20 Dec 2022 11:00:00 +0000

Listener Jamie reached out to our show after hearing previous episodes about retirement planning. Jamie is 52, and her husband is 9 years older, which creates some interesting questions around their retirements. She's here to ask Paula some of those questions, including:

How will she know when she can retire?
How will she know if she'll have enough money at retirement?
What's the difference between traditional and Roth 401K and IRA plans?
Can she still work if she takes her social security benefits at age 62?
How do she and her husband figure out their "full retirement age?"
What are the pros and cons of a term life insurance policy?

Throughout the podcast, Paula talks about financial planners. She gives Jamie her best tips on finding one.

Also, we reference the social security administration website, and how to look at your account. You'll find that page here:

https://www.ssa.gov/myaccount/

If you'd like to come on the show and ask Paula questions about your specific situation, or if you'd like to reach out to her privately, you can email her: Paula@PaulaChristine.com.

Or visit her website at PaulaChristine.com.

We want to wish everyone Happy Holidays and Happy New Year. We'll be back with new episodes in January!

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Family Love Letter

jag@jagindetroit.com (Paula Christine, Lynn Habrowski) — Tue, 13 Dec 2022 11:00:00 +0000

Nobody wants to talk about their own death, let alone plan for it. But the holidays can be a good time to have conversations with your loved ones about your final wishes. After all, would you rather have these chats now when everyone is healthy, or under the duress of an illness?

Lynn Habrowski of Great Lakes Wealth Planning rejoins the show today to talk about the Family Love Letter. This is not a legal document like a will or a trust. However, it's a way to instruct your loved ones about your final wishes for what's not covered in those documents.

The Family Love Letter can explain things like online accounts, funeral wishes, plans for pets, storage lockers, and so much more. It's giving your family members the gifts of time and information, during what will be a very difficult and stressful time for them.

To reach Lynn, or get your complimentary copy of the Family Love Letter, give her a call at (586) 773-6800, or find her online at https://www.glwealthplanning.com/

To reach Paula, visit https://www.paulachristine.com/

Or send Paula an email: paula@paulachristine.com.

Lynn Habrowski is a certified financial planner with LPL Securities. Advisory services are offered through LPL Financial, a registered investment advisor. Member FINRA SIPC

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Anya Cheng on Alternative Holiday Gifts

jag@jagindetroit.com (Anya Cheng, Paula Christine) — Tue, 6 Dec 2022 11:00:00 +0000

Anya Cheng has come a long way from her blue collar roots in Taiwan, coming to the United States to earn multiple degrees, and having led teams at eBay, Target, Facebook, and more. She is the founder of Taelor, a clothing rental subscription service, and she joins Paula today to talk about non-traditional holiday gifts.

One trend is people caring more about experiences than physical stuff. We've talked about this in a previous episode. A loved one will remember time spent with you much more than they will remember a gift card. Also, throughout COVID, we've learned we all have too much "stuff." It becomes clutter. People don't need more clutter; they need to get out.

Another trend is sustainability and the circular economy. This can refer to the products you buy, and also how they are packaged. More and more elements of the process can be sustainable. Anya tells us about a clothing line that was created with cinnamon, and a performance line of suits in London that was created from repurposed coffee grounds! Because of the nature of the grounds, the suits are odor resistant. (And no, they don't smell like coffee.)

Anya's had quite a journey, really living the American Dream. Paula asks her what advice she'd give her younger self. You'll hear what Anya means when says that life isn't a mountain, it's more like surfing. Also, be curious and invest in yourself.

Anya tells us about her clothing rental company, Taelor, and it's many applications. Some folks use the service when they go on vacation. They simply drop the prepaid shipping in their hotel lobby when they leave, and they don't come home with dirty laundry. Or, if you're living in Florida but visiting family in Michigan over Christmas, you could have warmer clothes sent directly to your in-laws.

You can check out Anya's website at https://taelor.style/

And for listeners of the podcast, be sure to use code PAYCHECK for 10% off!

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Divorce Journalist Ilyssa Panitz

jag@jagindetroit.com (Ilyssa Panitz, Paula Christine) — Tue, 29 Nov 2022 11:00:00 +0000

When journalist Ilyssa Panitz went through her divorce, she had no idea what to expect. It was as if lawyers and judges were speaking a different language. At one point, the judge asked her if she understood what was happening, and she could barely answer him. She went to media, she went to Google. And she could not find a journalist that was distilling down topics around divorce. so that everyday people could understand. Like many of us, she reinvented herself during COVID, and became a divorce journalist.

Ilyssa believes knowledge is empowering. By translating the complex language of divorce through her columns, radio show, and podcast, she helps people going through the divorce process understand topics. They feel empowered and prepared to answer questions.

Ilyssa explains why the first step to take when getting a divorce is not to find a good attorney, it's to get on top of your finances. That's where a CDFA, or Certified Divorce Financial Analyst.

Today's guest wants you to learn from her mistakes. She'll feel successful if her errors can help others from making the same ones. As she says, she wants you to survive and thrive.

Ilyssa explains she's not your divorce attorney, CPA, or PhD. She's your "Waze," your "GPS" through the process. And it really came full circle for her with both of her kids. When they had friends going through divorce, they came to their Mom, because she helps people through this process.

To connect with Ilyssa, her articles, her shows, and more, find her at https://www.ilyssapanitz.com/

Need help with your financial future? Learn more about Paula and her work at PaulaChristine.com or send her an email: Paula@PaualChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Importance of Special Needs Trusts

jag@jagindetroit.com (Shannon DeWall, Paula Christine) — Tue, 22 Nov 2022 11:00:00 +0000

Today, Paula Christine welcomes back her first repeat guest, Shannon DeWall of DeWall Law. Shannon is an estate planning attorney, and we're covering the importance of a special needs trust. While this information isn't relevant to everyone, it's critically important to some of our listeners.

A special needs trust is set up to take care of the needs of an individual with special needs, often upon the death of both of their parents. Often, individuals with special needs are eligible for Medicare as well as SSI, or supplemental security income. If someone ends up with a large inheritance, this can jeopardize their ability to participate in both of these government programs, which provide more than just financial benefit.

Who should be the trustee, or in charge of the trust? Most parents assume it will be a sibling or other family member, but that can be an undue burden to place on a relative. This needs to be worked out when the trust is set up, long before the parents have passed. And perhaps the trustee is a lawyer, trusted friend, or other professional. The key is for them to have an understanding of how the trust works, as well as what can and can't be done with that money.

For more information on this topic, you can reach Shannon at Shannon@Dewall-law.com or at 734-772-1220. Her website is: https://dewall-law.com/

Need help with your financial future? Learn more about Paula and her work at PaulaChristine.com or send her an email: Paula@PaualChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Advantages of A VA Loan

jag@jagindetroit.com (Michael Fischer, Paula Christine) — Tue, 15 Nov 2022 11:00:00 +0000

Today, Paula Christine is joined by Michael Fischer of Ross Mortgage. Michael is an expert in the field of VA loans. Often, veterans don't take advantages of these opportunities because either a) they don't know about them or b) they've received bad information.

A VA loan can often mean a zero down payment for recipients, provided they meet the requirements of using the home as a primary residence, as well as various criteria for their time served in the military. And this can easily be shown with what the VA calls an entitlement certificate.

Not only can a VA loan involve zero money down, it can also avoid PMI, or mortgage insurance, thereby lowering the rate.

Michael also dispels the myth that VA loans are harder to get or process. The numbers show no difference in loan approval rates between VA and traditional loans. In fact, many realtors and loan officers are not educated in the VA space, and this can cause them to pass bad information on to our veterans! This is why Michael and some colleagues created the Veteran Mortgage Advisor program, in order to educate service professionals about the benefits available to our military members.

VA loans are not harder to close, they don't take longer to close, and the inspection process is not harder. Michael explains where some of these myths come from and how he's trying to get the word out. He also has a class called "Present a VA offer. The seller will accept." This educates buying agents on how to explain the VA loan process to selling agents - focusing more on the bottom line for the seller.

Finally, a VA loan can actually be used as a way for our servicemen and women to build wealth. While a VA loan must be used on a primary residence, if you relocate to a different primary residence, you can rent out the first and buy a new one, provided you are under the lending cap. Michael explains the eligibility requirements and how this can be used as a wealth building vehicle for our military.

Want to learn more? Find a veteran mortgage advisor at https://www.findavma.com/

Or email Michael directly at MFischer@RossMortgage.com

Need help with your financial future? Learn more about Paula and her work at PaulaChristine.com or send her an email: Paula@PaualChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

CPA Marty Talty on Different Investment Accounts

jag@jagindetroit.com (Marty Talty, Paula Christine) — Tue, 8 Nov 2022 11:00:00 +0000

Saving money for retirement is important, but where should you be putting that money? Today, Paula Christine is joined by CPA Marty Talty of Kopmeyer Talty to break this down and dispel some myths. Often you hear "just max out your retirement plan," but it's rarely that simple. There's an old adage that you'll be in a lower tax bracket in retirement, but Paula explains why she thinks you should plan to be in a similar tax bracket in retirement.

First, Marty explains the benefit of traditional IRAs and 401k accounts. Your money grows tax deferred, meaning you don't pay taxes until you withdraw the funds. And that could bump up your tax bracket in retirement.

Another vehicle is the Roth IRA, where the taxes are paid up front, and it's not taxed upon withdrawal. Marty also explains the new rules around inherited plans. Nobody wants to think about their own death, but leaving money to your heirs could be an important factor in your financial planning. Marty and Paula also explain capital gains - what is a capital gain and how is it taxed differently?

Next, we talk about non-qualified money. This is money that is liquid - you don't need to make any requirements to access it or withdraw. Having money that you can get to immediately is so important, in the event of those unpredictable life events.

Even though every individual situation is different, Paula asks Marty for some general guidance on how to allocate your savings -how much money should be going into each of these "buckets?" And what about 401k match, if your employer offers it.

The bottom line is that a CPA, financial planner, and estate planner are all essential elements to planning your financial future. Many Americans are now living as long in retirement as they were in their working years, and you need to be prepared.

If you'd like to talk to Marty Talty at Kopmeyer Talty, you can reach him at (734) 953-8600, or find his website at https://www.kopmeyertalty.com.

And as always, you can find Paula online at https://paulachristine.com/

Or send her an email at Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Budgeting Your Holiday Spending

jag@jagindetroit.com (Jon Gay, Paula Christine) — Tue, 1 Nov 2022 10:00:00 +0000

It's hard to believe we are into November, with the holiday season fast approaching. Too often, holiday spending creates debt for us, as we spend beyond our means and pay for it in the following year.

Today, Paula explains how to avoid these pitfalls. The first strategy of course, is to budget for the year ahead of time. This means having a set budget for the holidays, dividing that number by 12, and setting aside money every month to prepare.

Producer Jon says that he likes to spoil his nieces and nephews every holiday. But when you were a kid, which do you remember more? The cash in a Christmas card from Grandma and Grandpa, or the time you spent with them? Was it a play, a baseball game, or even just a fun sleepover at their house? Not every gift needs to be monetary.

If, however, you find yourself in debt after the holidays, it's important to pay it down aggressively. This is especially true if it's credit card debt that carries interest. We've talked in previous episodes about the power of compound interest, and how it can really add value to your investments. But it can also work the other way. If there's interest on debt you owe, that can also compound, costing you much more than the price of the gifts you purchased.

With inflation rising throughout 2022, the holidays are going to cost more this year. That includes gifts and travel. Where can you save on that? Can you travel at off-peak times, like flying on Tuesdays? Some folks are even skipping holiday travel and flying or driving at more convenient times to see family.

Really, the key to holiday spending is planning. If you haven't planned for 2022, take note of what you spend so you can plan for 2023 throughout the year.

And if you need help with this, or any other topic related to managing your money, reach out to Paula Christine at https://paulachristine.com/

Check out her Making Money Matter Course, or send her an email at Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Goalsetting and Mindset with Coach Jon Dwoskin

jag@jagindetroit.com (Jon Dwoskin, Paula Christine) — Tue, 25 Oct 2022 10:00:00 +0000

Today, Paula is joined by business and executive coach Jon Dwoskin to talk about mindset and goalsetting.

We may not realize that our mindset comes from what we learn at a very young age, from our parents, grandparents, and other surroundings. Jon explains the deliberate effort to quiet these "voices in your head," and differentiate your own thoughts from the ones that have been imparted onto you by others.

Next we talk about goal setting. According to Jon, the key to goal setting is not to create giant "New Year's Resolution" type goals, but rather small attainable goals that you can easily get back to if you stumble.

This leads into a discussion about "To-Do Lists," and how not to be overwhelmed by them. Prioritization is the name of the game here - you must be able to list your priorities, and be able to re-prioritize when something inevitably comes up.

Finally, Paula asks Jon what financial advice he would give his younger self. His answer may surprise you!

Connect with Jon Dwoskin by phone at (248) 535-7796 or visit his website at https://jondwoskin.com/

For more on Paula Christine, including her Making Money Matter Course, visit https://paulachristine.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Importance of Long Term Care Insurance

jag@jagindetroit.com (Laura Eliason, Paula Christine) — Tue, 18 Oct 2022 10:00:00 +0000

Today, Paula is joined by Laura Eliason of Acsia Partners, an expert in the long term care space. She shares some personal stories, from having to take care of her aging parents to a sudden health scare with her husband.

Long term care can be the most costly need for people. It's statistically likely to happen, and it's the least protected. Typically, parents and even grandparents assume that their children or grandchildren will care for them. But this really is an undue burden to place on a loved one, particularly if they weren't aware of this possibility.

Most people think of LTC as relating to a nursing home situation, but often, it can relate to in-home care for a patient, or even respite care for a primary caregiver. If a family member is the primary caregiver, it becomes paramount for them to take care of their own health and well-being.

Long term care is defined as needing assistance for 90 days or more for a patient who needs help with two or more of the six activities of daily living - bathing, dressing, eating, transferring, toileting, and continence.

Laura deals the myth that long term care is expensive, and shares how thinking about this when you are younger is so important. Your age will help dictate your cost, but your health will be what affects your eligibility. This is why it's so important to explore this when you are younger and healthier.

For more, you can reach Laura at 248-921-4957 or via email at Laura.Eliason@acsiapartners.com

To reach Paula Christine and to check out the Making Money Matter course, you can visit her website at PaulaChristine.com

Or email Paula: Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Money Questions Before I Get Married

jag@jagindetroit.com (Aaron, Paula Christine) — Tue, 11 Oct 2022 10:00:00 +0000

In the latest episode of our Q&A series, Paula Christine sits down with Aaron, who's going to get married soon. She answers his questions about:

Personal Injury Protection (PIP) on car insurance

How to rollover a 401K from a previous employer, where it should go, and what are the tax implications

In addition to 401K, HSA, and Roth accounts, where else can I invest my money, and in what priority?

Should I get a prenup?

Should we keep put our finances together and keep them separate?

What about taxes - file joint or separately?

At the end of the episode, Paula mentions the budget worksheet, which can be found on her website here: https://paulachristine.com/resources/

For more information or help with your finances, you can visit Paula's website at https://paulachristine.com/

Or send her an email: Paula@PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Disability Coverage Explained

jag@jagindetroit.com (Angela mitchell, Paula Christine) — Tue, 4 Oct 2022 10:00:00 +0000

Paula Christine is joined today by Angela Mitchell of Bridged Benefit Solutions to discuss disability insurance - what it is, how you get it, and if you need it.

Angela starts with a stark reminder - the biggest asset we have is not our house or our car, it's our ability to earn a living. And we insure those other things - why don't we insure our ability to bring home a paycheck? Disability insurance will replace part of your wages if you are unable to work due to injury or illness, or sometimes even maternity leave.

Short term disability will generally cover 50-70% of your income for 13 or 26 weeks. Some policies are purchased from your employer, others are purchased by the individual. It's important to note that if the coverage is provided by your employer, your benefits can be taxed.

Long term disability will pay you out longer, potentially until you can collect social security. Again, this is based on your wages. It's important for folks who earn commissions to know this disability is based on your wage, not your commission.

If you can only afford one or the other, should you choose short term or long-term? Well, it depends. Angela explains the factors that should go into that decision.

Paula and Angela weigh the benefits of employee provided versus individually purchased plans. These can include premiums, pre-existing conditions, and more.

And finally, if you're employer does not offer disability, Angela talks about how to start that conversation.

Find Angela Mitchell at Bridged Benefit Solutions at 248-250-2420 or by email at Angela@BridgedBens.com

For more info on the Making Money Matter course or working with Paula, visit https://www.paulachristine.com/

Or send Paula an email: paula@paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Investing Terms Defined with Lynn Habrowski

jag@jagindetroit.com (Paula Christine, Lynn Habrowski) — Tue, 27 Sep 2022 10:00:00 +0000

After some great audience response to last week's show, we brought CFP Lynn Habrowski, of Great Lakes Wealth Planning, back today to take a deeper dive into different terms we often hear with regard to investing.

We start with the current market volatility we've seen in 2022 - what do the terms "bear market" and "bull market" mean? Lynn also explains why our current bear market environment correlates to the stimulus money the government printed to get us through COVID. Our current inflation is something we could see coming, and Lynn coached her clients to be prepared for it.

Lynn and Paula also explain index (and indices), asset allocation, and diversification. What do they all mean, and what's the difference between investing as a 20 year old and a 65 year old?

When it comes to investing, there are all kinds of different types of stocks to look at - growth stocks and value stocks. Small, mid, and large cap - and more. Lynn breaks these down.

We finish with a speed round, covering terms like portfolio, rate of return, interest, dividends, dollar cost averaging, capital gains, and capital losses.

It's good to have an understanding of these different financial terms, but it's more important to know why you're investing, and why you are using your current strategy.

To reach Lynn, give her a call at (586) 773-6800, or find her online at https://www.glwealthplanning.com/

For more info on the course or working with Paula, visit https://www.paulachristine.com/

Or send Paula an email: paula@paulachristine.com.

Lynn Habrowski is a certified financial planner with LPL Securities. Advisory services are offered through LPL Financial, a registered investment advisor. Member FINRA SIPC

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Lynn Habrowski on The Market and Investing

jag@jagindetroit.com (Lynn Habrowski, Paula Christine) — Tue, 20 Sep 2022 10:00:00 +0000

Lynn Habrowski is a certified financial planner with Great Lakes Welath Planning and LPL Financial. She joins Paula Christine today to cover the basics of the market and investing. We start by defining the market, stocks, bonds, and other common terms.

It's very important to know the difference between short and long-term investing, as well as the difference between investing and trading. Investing is growing your money for your future. Trading is more about the money you can afford to lose. Lynn and Paula take a deep dive on that. Also, your sell strategy may be more important than your buy strategy.

We also cover the power of compound interest, and how a small investment at a young age can make a huge difference in your financial future.

To reach Lynn or find out more about the book she mentions in today's podcast, give her a call at (586) 773-6800. Or find her online at https://www.glwealthplanning.com/

For more info on the course or working with Paula, visit https://www.paulachristine.com/

Or send Paula an email: paula@paulachristine.com.

Lynn Habrowski is a certified financial planner with LPL Securities. Advisory services are offered through LPL Financial, a registered investment advisor. Member FINRA SIPC

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Making Money Matter Course

jag@jagindetroit.com (Paula Christine, Jon Gay) — Tue, 13 Sep 2022 10:00:00 +0000

Throughout this podcast, you've heard Paula Christine talk about how her perspective as a financial coach is informed by her life experience. We are thrilled to announce her Making Money Matter program - a six week course to help you understand the basics of managing your money. In this episode, Paula sits down with our podcast producer, Jon Gay, to walk us through it.

Week 1: What Is Your Money Personality?
Week 2: Managing Your Money
Week 3: Insurance
Week 4: Investing
Week 5: Retirement
Week 6: Taxes and Estate Planning

Paula explains what's involved with each section of the course. New classes will post each Monday for you to watch on demand, and there will be a live Q&A each Thursday.

For more info on the course or working with Paula, visit https://www.paulachristine.com/

Or send Paula an email: paula@paulachristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Debt and Divorce with Brooke

jag@jagindetroit.com (Brooke, Paula Christine) — Tue, 6 Sep 2022 10:00:00 +0000

Following last week's Q&A with Patty, we welcomed listener Brooke for another round of questions with Paula Christine. A recent divorcee, Brooke asked a number of questions about finances and debt, including:

Where is the best place to put my money at the end of the month?
Which strategy is best for paying off credit card debt - snowball, avalanche, or something else?
If I want to consolidate debt, where do I go?
Should I make purchases with cash or a credit card?
How do I pay down debt but still have a life?
What can I do once I've paid off all my debt?
What can I do with a windfall - or large influx of cash?

If you have questions about your finances, and would like to talk to Paula, you can send her an email: Paula@PaulaChristine.com - or visit her website: https://paulachristine.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Questions from a 30-something

jag@jagindetroit.com (Paula Christine) — Tue, 30 Aug 2022 10:00:00 +0000

Today, we turn the tables on Paula as Patty asks the questions SHE wants to know about financial planning, including:

Where Do I Start?
What is the Role of A Financial Planner?
How Does a Financial Planner Help Me Invest?
How Does my Financial Planner Get Paid?
Should I Panic When The Market is Down?

Paula dives into each of these questions, as well as other topics you should know when you get into investing for your future.

For more, visit Paula's website, PaulaChristine.com, and check out her Making Money Matter course!

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Traditional IRAs Explained

jag@jagindetroit.com (Paula Christine, Diane Winner) — Tue, 23 Aug 2022 10:00:00 +0000

This week, Diane Winner is back to talk about Traditional IRAs and how they differ from the Roth IRAs we discussed in last week's episode.

The biggest difference is that you pay taxes on the way in to a Roth IRA, but on the way out of a Traditional IRA. Diane and Paula break down the pros and cons to each strategy. Also, we talk about the strict penalties that can be levied against you if you do not take required minimum distributions out of your traditional IRA beginning at age 72.

No matter which retirement vehicles you use, the most important thing is to start saving early, and take advantage of compound interest. Paula explains.

Want to know more?

Reach out to Diane Winner at dwinner@boaa.com

To Paula Christine at Paula@PaulaChristine.com

Or visit our website: https://paulachristine.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Roth IRAs Explained

jag@jagindetroit.com (Diane Winner, Paula Christine) — Tue, 16 Aug 2022 14:55:52 +0000

Today, Paula Christine is joined by Certified Financial Planner Diane Winner, from Bank of Ann Arbor, to explain Roth IRA's.

Diane explains the benefits of Roth IRAs - tax deferred growth and withdrawals - along with the restrictions on taking out qualified distributions.

We cover contribution limits, and the differences between contributing to a Roth IRA vs other retirement vehicles.

Turns out, Roth money can be used for purposes other than retirement; Diane explains. We also talk about Roth conversions, what they look like, and why they may not be for everyone.

Want to know more?

Reach out to Diane Winner at dwinner@boaa.com

To Paula Christine at Paula@PaulaChristine.com

Or visit our website: https://paulachristine.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

How Much Insurance Do I Need?

jag@jagindetroit.com (Paula Christine, Stacey Hill) — Tue, 9 Aug 2022 10:00:00 +0000

Insurance can be very confusing. From homeowners to renters to auto, it's often hard to know how much coverage you need. Today, Paula is joined by Stacey Hill of Farmers Insurance to break it all down.

We start with auto insurance and what all the numbers and slashes on your policy mean. Often, our top priority is to keep our premiums down, but Stacey explains what other factors need to go into those decisions.

Paula asks about umbrella policies, which can have an important place in your financial picture. But often, you need to meet certain coverage minimums in your other insurance plans before you can qualify.

Next, Stacey walks us through renters' insurance. There are Parts A-D, and many renters aren't aware of all the coverage they have - from loss of use to separate structures to replacement costs.

With homeowners insurance, Paula was surprised to learn that the claims follow the address, not the policy holder. Stacey explains why.

Finally, we cover the factors you should consider when choosing your various insurance coverage.

Want to learn more?

Call or Text Stacey Hill at 248-605-7678, or send her an email. SHill@farmersagent.com

If you'd like to learn more about Paula's work as a financial coach, you can reach her at PaulaChristine.com, or send her an email: Paula@PaulaChristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Buying a Home

jag@jagindetroit.com (Barbara Biskner, Paula Christine) — Tue, 2 Aug 2022 10:00:00 +0000

Today, Paula Christine is joined by Barbara Biskner of Synergy Realty Group to talk about how a realtor can help in the home buying process. We cover:

What is the role of a realtor?
How do I find a realtor?
Is there a contract to sign, and what does it cover?
What should I do - and avoid - while applying for a mortgage?
How are realtors paid?
Definition of realtor terms like buying agent, selling agent, earnest money, home inspection, and more

To reach Barbara Biskner, you can call her at 734 771 6950, or email her. Barbara@BarbaraBiskner.com

To reach Paula Christine about this topic or any other money questions, visit her website: https://paulachristine.com/

Or shoot her an email: Paula@PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Importance of Life Insurance

jag@jagindetroit.com (Danielle Workman, Paula Christine) — Tue, 26 Jul 2022 10:00:00 +0000

In our 10th episode, Paula Christine welcomes Danielle Workman of Lincoln Financial Group. We're talking about life insurance.

Why is life insurance a good idea?
What are some the reasons someone may need to have life insurance
How does life insurance work?
What are the different types of policies? Group, Term and Permanent
Do you need to be healthy to get life insurance, and what questions/tests will I face when applying?
How do I determine if I need life insurance, and how much coverage should I get?

To reach Danielle at Lincoln Financial, you can give her a call at (248) 948-5187 or email her at Danielle.Workman@lfg.com.

To reach Paula Christine, visit her online at PaulaChristine.com or email her. Paula@PaulaChristine.com.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

The Importance of Estate Planning

jag@jagindetroit.com (Shannon DeWall, Paula Christine) — Tue, 19 Jul 2022 10:00:00 +0000

Today, Paula Christine is joined by estate planning attorney Shannon DeWall of DeWall Law. Together, they answer a number of common questions about estate planning, including:

What is estate planning?
How are assets transferred upon death?
When should - and shouldn't - you use a joint bank account?
Why are beneficiary designations, and frequent reviews, important?
What happens if I die and I have no documents in place?
What happens to my children if I haven't put a plan in place?
How do wills and powers of attorney work? And how do I choose who would be my power of attorney?
What is a trust and who needs one?
Can these documents be changed once put in place?

To reach Shannon DeWall at Dewall Law, you can visit her website: https://dewall-law.com/

Or give her a call at (734) 772-1220.

To contact Financial Coach Paula Christine, you can send her an email. Paula@PaulaChristine.com

Or learn more by visiting our website: https://paulachristine.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Tips on Getting Your Next Car

jag@jagindetroit.com (Nelson Cypher, Paula Christine) — Tue, 12 Jul 2022 10:00:00 +0000

Buying a vehicle can be a very difficult experience. New or used? Buy or lease? And prices are through the roof since the pandemic. Today, Paula Christine is joined by Nelson Cypher of Dick Scott Motor Mall to tackle some of these complex questions, including:

What should I be considering when I need a vehicle? Income, cost, monthly payment, interest rate, other costs?
New car vs. used car
Buy or lease
How much does your credit score factor into purchasing and leasing?
What determines the value of my trade in?
How do I choose a dealership?

Nelson also explains the current car market, identifying your needs vs wants when it comes to a vehicle, and what a dealer has to do with your trade in to get it ready for the next owner.

More info:

Nelson Cypher's phone number: 517 245 0941

Nelson's Email: nelsoncypher@dickscott.com

Contact Paula Christine:

Website:http://paulachistine.com/

Email: paula@paulachristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Banking Fundamentals

jag@jagindetroit.com (Paula Christine, Ashley Chambers) — Tue, 5 Jul 2022 10:00:00 +0000

Paula is joined by Ashley Chambers of Chief Financial Credit Union to talk Banking Fundamentals.

What is the difference between a credit union and a bank?

What are the different types of bank accounts? Checking, savings, CD's, money market, etc?
What do I need to open an account?
What is a debit card vs a credit card?
What is a secured credit card vs an unsecured credit card?
What are FDIC and NCUA? Is my money safe?
How do I choose a bank or credit union?

We also cover the differences between credit score and auto credit score, setting up a beneficiary, and more.

Reach out to Ashley with any additional questions you have: AshleyC@chiefonline.com

Chief Financial Website: https://chiefonline.com/

Contact Paula Christine:

Website:http://paulachistine.com/

Email: paula@paulachristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Jan Sherman the "Benefits Tamer"

jag@jagindetroit.com (Jan Sherman, Paula Christine) — Tue, 28 Jun 2022 10:00:00 +0000

Jan Sherman of The Benefits Edge is known as "The Benefits Tamer." He helps his clients make sense of the complicated world of insurance, and that's what he's going to do with Paula Christine today.

We start with the basics. What is health insurance? It's a contract - Jan explains.

We also cover differences between HMO's and PPO's, referrals, copays, and more. We define terms like "deductible" and premium," and the different levels of insurance you hit as you spend more money each year. We talk a lot about co-pays, but Jan says it's much more important to think about out-of-pocket maximums in the event of something catastrophic.

Jan explains the key difference between "preventive" and "diagnostic," and why your doctor, at a physical, will often schedule you for a follow-up. And don't be afraid to read and question your bills, and your explanation of benefits (EOB).

Finally. Paula asks Jan about HSA plans - and all the ways that money can be spent, tax free.

To find Jan Sherman at The Benefits Edge, you can call him at 248-788-0476. You can also visit his website, https://benefitstamer.com/ - or send him an email - jan@benefitstamer.com.

Contact Paula Christine:

Website:http://paulachistine.com/

Email: paula@paulachristine.com

___

Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Money Coach Eboney Byrne

jag@jagindetroit.com (Paula Christine, Eboney Byrne) — Fri, 10 Jun 2022 14:39:51 +0000

Today, Paula welcomes Eboney Byrne, Money Coach at Liberty Financial Services. Her tag line is "Have you told your money where to go?"

Eboney feels most people are controlled by their money, instead of taking control of it. This means not being afraid to look at the numbers and see where you're at. (Spoiler: It's often not as bad as you think.)

Know your "why." Eboney and Paula discuss figuring out your priorities and working them into your budget, and allowing yourself more than just the "bare bones" money. You need to plan to have fun once in awhile. And you're going to make mistakes. Be kind and forgive yourself.

Develop a checklist, create a budget, create a plan, understand why you're doing what you're doing, and then track your expenses and be kind to yourself.

Contact Eboney:

Liberty Financial Services Website: https://libertyfinancialllc.com/

Liberty Financial Services Instagram: https://www.instagram.com/liberty.financial.services/

Contact Paula Christine:

Website:http://paulachistine.com/

Email: paula@paulachristine.com

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Common Questions

jag@jagindetroit.com (Paula Christine, Jon Gay) — Fri, 3 Jun 2022 15:16:46 +0000

As a financial coach, Paula Christine gets many questions pretty frequently. And while everyone's individual situation is different, we dive into a few of them in today's episode of Beyond The Paycheck, including:

How much do I need to save?
How do I get out of debt?
How much should I have in an emergency account?
Should I save, pay off debt or both?
How do I create a budget?

Paula and Jon talk about specific examples, including a client she helped create a budget. And the client couldn't believe how much she was spending each year on just one thing.

For help with your finances and planning, you can reach Paula Christine by email at paula@paulachristine.com or visit her website: http://paulachistine.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Understanding Workplace Retirement Plans

jag@jagindetroit.com (Paula Christine, Shannon Maloney) — Tue, 31 May 2022 15:08:46 +0000

When you start a new job, you often have a massive packet dumped on your desk, explaining your company's retirement plan options. It can be overwhelming. Today, Paula Christine breaks it down, with the help of her "401k Guru," Shannon Maloney of Strategic Retirement Partners.

The most important thing about a workplace retirement plan is that you should always participate, particularly in a company match situation. After all, if you saw free money laying on the street, you'd pick it up, right? Shannon explains this in easy numbers.

Once you elect to participate, which plan should you pick? The choices can be vast, but Shannon explains the "do it for me" plans, that come with target retirement dates built in.

Many people fall into the trap of borrowing money from their retirement plans. Paula and Shannon talk about why this is a very bad idea, and should only be used as a last resort.

"To Roth Or Not To Roth" - Shannon walks us through the difference between Roth and Non-Roth retirement plans, and the differences in the seed (when you put the money in) and the harvest (when you take the money out).

Finally, Paula and Shannon speak specifically to women. It's not that women are "risk averse," it's that they are "debt averse." And most women, especially moms, know how to stretch money.

To reach out to Shannon regarding the workplace plan you have for your employees, email her at Shannon@SRPretire.com.

For bigger picture financial help, you can email Paula Christine: paula@paulachristine.com, or visit her website: https://paulachristine.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

What To Know When You Apply for a Mortgage

jag@jagindetroit.com (Paula Christine, Marc Edelstein) — Tue, 31 May 2022 15:07:51 +0000

Paula Christine has seen many people make financial mistakes when buying a home. Just because you've been approved for a $350,000 mortgage doesn't mean you can afford it! Our guest today is Marc Edelstein, mortgage broker with Ross Mortgage. We cover all things mortgage, including:

First steps when applying for a mortgage
What happens when property values are re-assessed and taxes go up
Credit scores, and how to correct errors
Effects of student loans
Effects of medical debt - and how that's changing soon!
Length of mortgages
Other costs

If you'd like to reach Marc, you can do so via his website, https://www.thatmortgagebanker.com/

Or give him a call at (248) 379-6749. Marc is powered by Ross mortgage NMLS number 533706.

For bigger picture financial help, you can email Paula Christine: paula@paulachristine.com, or visit her website: https://paulachristine.com/

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Meet Paula Christine

jag@jagindetroit.com (Jon Gay, Paula Christine) — Tue, 31 May 2022 15:07:15 +0000

In our first episode, host Paula Christine sits down with producer Jon Gay to talk about her background and why she started this podcast.

Paula Christine has been a financial coach for 20 years, and she brings a wealth of real-life experience to her work. She's lived paycheck to paycheck, been through divorce twice, and has had to start over. It's one thing for a financial coach to preach concepts. It's another to sit across the table from someone who's been in your shoes.

We often pick up bad financial habits when we are younger. Money has become a taboo topic, and we aren't teaching or learning good financial habits. It's Paula's goal to talk to listeners in all stages of life, from starting your first job to entering retirement.

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.

Trailer

jag@jagindetroit.com (Paula Christine) — Thu, 7 Apr 2022 15:00:53 +0000

Growing up, I witnessed my parents struggle financially. They worked hard to provide for our family, but in reality, they lived paycheck to paycheck. They just couldn’t get ahead. I vowed to find a better way, and spent my life learning and then teaching others how to build a solid foundation to weather the financial storms of life.

My philosophy is simple. I’m not here to tell you not to enjoy a nice evening out with friends, a week on the beach with your family or that you have to skip the insanely long line at Starbucks, but rather to help you understand how each of those decisions impact your financial situation not only today, but define your financial future.

I will be joined by other professionals who will provide their expert advice such as how to buy a home, proper estate planning, paying off debt and how to travel on a budget.

Follow Beyond the Paycheck on Apple, Spotify, or wherever you're listening right now!

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.