Financial Freedom Podcast Steven J. Richardson, Esq.

One of the things that many couples and individuals think about, know they need, and fully intend to get one day, is an estate plan. But what is it? Is it just a will? What can happen if you put it off too long?
That's why in this episode of the podcast I talk with estate planning attorney Adam Zuckerman to get a good idea of what an estate plan is, why you need one, and why you shouldn't wait to get one.
In this episode you will learn:
- What an Estate Plan Is
- How It Differs from a Will
- About the Downsides of Not Having One
- What You Need to Think About in Making One
- About Revocable Living Trusts

One of the more mystifying subjects in personal finance is cryptocurrency (what most people identify as Bitcoin). The concepts behind digital currency are not obvious and can lead to people being hesitant to get involved in it.
That's why in this episode of the podcast I talk to former truck driver and cryptocurrency enthusiast Bitcoin Ben to tell us about what it is, how you can get some, and why you should consider doing so.
In this episode you will learn:
- What Cryptocurrency Is
- About the Easiest Way to Get It
- How to Store Cryptocurrency
- Whether You Should Invest in It

For my 100th episode, I did a look back on 9 of those guests and highlighted some of the great information they had for listeners. Now that I have reached the milestone of 200 episodes I wanted to do that again with guests from Episodes 101 forward.
I will leave links in the show notes to the full episodes if you haven’t already listened to them and want to hear more. In addition, due to the length of this episode, I will also be leaving chapter markings (so you can skip ahead if you wish) and time codes in the show notes.
In this episode you will learn:
- How to Deal with Financial Stress
- About Budgeting and Reducing Spending
- Alternative Ways to Pay Down Debt
- How to Look for a Better Job to Increase Income
- About Getting Started in the Stock Market
- About Forming a Millionaire Mindset
- How to Define Retirement for Yourself
- How to Talk to Your Kids About Money
- Strategies for an Affordable College Education for Your Kids
Chapter Markings
02:11   Dealing with Financial Stress (Dr. David Weiman)
08:32  Budgeting & Reducing Spending (Tightwad Todd)
14:29  Alternative Ways to Pay Down Debt (Jerry Fetta)
20:17   How to Look for a Better Job (Bonnie Negron)
28:58  Getting Started in the Stock Market (Markay Latimer)
36:11   Forming a Millionaire Mindset (Tony Bradshaw)
42:04  Defining Retirement for Yourself (Eric Brotman)
47:03  Talking to Your Kids About Money (Derrick Kinney)
55:02  Strategies for an Affordable College Education for Your Kids (Brad Baldridge)

Eliminating debt is one of the first steps on the path to financial freedom. Controlling your living expenses and spending within your means allows you to work towards short and longterm savings goals.
But that's not always easy while raising a family. That's why in this episode of the podcast I talk with Brad Nelson, the Debt-Free Dad, to talk about how it can be done!
In this episode you will learn:
- Budgeting Tips for Beginners
- How to Improve Your Financial Habits
- How to Reduce Impulsive & Wasteful Spending
- How to Talk About Money in a Relationship
- The Best Method to Pay Off Debt

As a bankruptcy attorney, I help lots of people to save their homes from foreclosure by filing a chapter 13 bankruptcy to make catch-up payments on their mortgage. But there are other ways to do it.
That's why in this episode of the podcast I talk to DJ Olojo about how he helps people to save their homes without filing bankruptcy.
In this episode you will learn:
- Telling Foreclosure Myth from Fact
- About the Mortgage Bank's Foreclosure Playbook
- Foreclosure Prevention Tactics
- The 12 Step Program to Save Your Home

There are many ways to save and invest for retirement (or just to build wealth) and most are recommended by traditional financial advisers. But sometimes it's a good idea to explore some non-traditional ways to do it that might be better suited to your situation.
That's why in this episode of the podcast I talk to Chris Miles, a self-described anti-financial advisor who walks that road less traveled with his clients to help them reach their own financial freedom.
In this episode you will learn:
- What an Anti-Financial Advisor Is
- Why You Need to "Get Your Money Out of Prison"
- How Passive Income Can Help Build Wealth
- How to Come Up with Money to Invest