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Host and Certified Financial Planner™ Pro, Angie Furubotten-LaRosee welcomes amazing individuals and professional to share their personal stories centered around the financial side of life. Each episode, we explore topics ranging from strategies on how to pay for college, tips from others who found ways to save, invest and build wealth, as well as this idea of retirement and what that means for different folks. Each person’s story is unique. Listen in to hear how they did it and come away with ideas on how you can live your own rich, intentional life.

Financial Side of Life - College, Retirement and Life Angie Furubotten-LaRosee Certified Financial Planner™ Pro: College, Retirement and Investments

    • Geldanlage

Host and Certified Financial Planner™ Pro, Angie Furubotten-LaRosee welcomes amazing individuals and professional to share their personal stories centered around the financial side of life. Each episode, we explore topics ranging from strategies on how to pay for college, tips from others who found ways to save, invest and build wealth, as well as this idea of retirement and what that means for different folks. Each person’s story is unique. Listen in to hear how they did it and come away with ideas on how you can live your own rich, intentional life.

    Ep. 29 – Taking Calculated Risks and Betting On Myself with Dr. Robyn Fisher

    Ep. 29 – Taking Calculated Risks and Betting On Myself with Dr. Robyn Fisher

    Ep. 29 – Taking Calculated Risks and Betting On Myself with Dr. Robyn Fisher

    My start in life, I was really quite lucky.

    Even as a young woman, I was surrounded by pretty amazing individuals.  I might not have recognized it back then but so many of my women friends have grown up to do great things and really make an impact in the world.  There’s Joy, or as I like to call her, General Joy, who I interviewed on two earlier podcasts, Ep 18  and Ep. 19.   Robyn was also a demonstrated leader even as early as junior high.

    As happens, we lost touch over the years, but through the magic of Facebook, I was able to hear tidbits of the cool things she was making happen, particularly in the area of access to higher education.

    We talk candidly about her own extensive education and background, building a business from the ground up for over 20 years, the challenges she faced, and most importantly, how she overcame them.

    Tune in to hear all the details.

    In this episode you’ll learn more about:



    * Her focus on helping kids prepare for college

    * Programs she runs throughout California and the nation.

    * Her advice to college-bound kids.

    * You’ll get to hear her amazing laugh.  Oh, that takes me back!!



    Links



    * R.T. Fisher Educational Enterprises, Inc.

    * choosecollege4life.com

    * Watch our interview on YouTube.



    Ask Angie

    Have a question that you’d like to have answered on a future podcast episode? Send your question — along with your name and the city you live in — to angie@aveafp.com.

     

     

    • 49 Min.
    EP 28 – Planner to Rocky Mountain Gen X & Y Techies With Lucas Casarez, CFP® Pro

    EP 28 – Planner to Rocky Mountain Gen X & Y Techies With Lucas Casarez, CFP® Pro

    EP 28 – Planner to Rocky Mountain Gen X & Y Techies With Lucas Casarez, CFP® Pro

    In this episode with fellow XY Planning Network advisor, Lucas Casarez of Level Up Financial Planning we talk about how he serves younger clients who work in the tech industry in Colorado.

    In this episode you’ll learn more about:



    * What are some specific concerns for techies in that industry?

    * What does he do in his planning practice to make it fun?

    * What’s his new podcast about and where can you find it.

    * Where to see photos of his two adorable children.



    Links



    * Level Up Financial Planning

    * Techie Personal Finance Bootcamp

    * Watch our interview on YouTube!



    Ask Angie

    Have a question that you’d like to have answered on a future podcast episode? Send your question — along with your name and the city you live in — to angie@aveafp.com.

     

     

    • 38 Min.
    Ep. 27 – From PHS Band Teacher to Real Estate Investing Tycoon with Randy Hubbs

    Ep. 27 – From PHS Band Teacher to Real Estate Investing Tycoon with Randy Hubbs

    Ep. 27 – From PHS Band Teacher to Real Estate Tycoon with Randy Hubbs

    From fix and flip to single-family rentals to syndication, my guest on today’s podcast, Randy Hubbs, along with his wife Jana, has done it all over a nearly 40-year journey as a real estate investor.  But to me and my peers, Randy is best known for being “Mr. Hubbs”, beloved high school band teacher in the ’80s, during my time at Pasco High School, here in the Tri-Cities.  He continued his love of teaching and directing at Columbia Basin College for another 28 years before retiring and forging full steam ahead into real estate.

    I describe him as a real estate tycoon, all in good fun. But judging from his adventures in real estate investing, it goes to show that you cannot judge a book by its cover, band teacher or not.  This guy’s story is truly amazing. He did it on a teacher’s salary, and you can too.

    Our 45-minute conversation is jam-packed full of his background as an educator turned real estate investor, how they got their first rental in his very first year teaching and what they did year after year to continue on their path to financial independence.  As he said, he didn’t want to retire on a teacher’s salary.

    I’ve mentioned that I’m taking baby steps into the world of real estate investing. My first podcast conversation about real estate investing began with Hilario Zaragoza in Episode 24.  I am continuing to explore the ideas, terminology, and opportunities associated with real estate investing in my interview with Randy.  He has done it all and has a breadth and depth of knowledge unlike anyone I’ve met.

    In this episode you’ll learn more about:



    *  What influence family and upbringing had on them getting started in real estate.

    *  How he handled a local real estate market crash, interest rates that were in the teens and the nationwide downturn of 2008.

    *  Why they flipped houses early on and what they did after they had enough capital.

    *  What they did after they got “Freddy and Fannie’d out”.

    *  Key benefits of real estate investing

    *  When building your real estate investment team, the most important question to ask your CPA.

    *  How they handled being audited by the IRS, not once but 3 times.

    *  What big names in real estate they now consider friends and what areas they actively invest in right now.

    *  What do Tennessee, Texas, and Belize have in common?

    *  His 2 key pieces of advice to those wanting to get started in real estate investing.



    Links



    * Equity First Home Group and Investment Housing Specialists – Randy’s businesses

    * Rich Dad Poor Dad by Robert Kiyosaki

    * Rich Dad Poor Dad for Teens by Robert Kiyosaki

    * Real Estate Goddesses Podcast, Interview with Jana Hubbs

    * a href="https://www.applebrookeincomefund.

    • 45 Min.
    Ep. 25 – From Podcasting to Physics With Brenden Davis

    Ep. 25 – From Podcasting to Physics With Brenden Davis

    Ep. 25 – From Podcasting to Physics With Delta High School Intern Brenden Davis

    Today is one week from the most special day for many high school students: Graduation! One such high school student happens to be my intern, Brenden Davis. Brenden and I have been working together for almost one year now. Just like last year, I wanted to have an interview with him about his thoughts on the internship and his plans for the future, which involve everything from physics to psychology.

    Brenden shares with us his views on the internship, which were very positive (yeah!). He shares his side of the story for the past year, from working with technical mishaps to the better parts of the job. Afterward, he talks about his plans for the future, and boy are they plentiful.  He’s planned out almost every step in his life, from what’s next, to his retirement; everything from Physics to computers, both science and more non-scientific pursuits. First up is WSU Tri-Cities, then it’s off to Pullman and beyond. Stay tuned to hear the wonderful ideas for what’s next in the life of this young physics savant.



    Links



    * Delta High School

    * SpaceX

    * WSU TC

    * WSU Pullman



    Be sure to check out our interview with last year’s intern, or the Work Based Learning internship coordinator from Delta High School

    Ask Angie

    Have a question that you’d like to have answered on a future podcast episode? Send your question — along with your name and the city you live in — to angie@aveafp.com.

     

     

    • 38 Min.
    Ep. 24 – Real Estate Investing to a Richer Life With Hilario Zaragoza

    Ep. 24 – Real Estate Investing to a Richer Life With Hilario Zaragoza

    Ep. 24 – Real Estate Investing to a Richer Life With Hilario Zaragoza



    (My apologies about the quality of the audio.  I goofed something up, totally my fault. But the interview is so, so worth listening to, so hang in there.)

    Flipping, wholesaling, syndication, landlording, assigning, lease/options, rehabbing, BRRRR, abandoned properties, probates, auctions, REOs, land, mobile parks, self-storage, single family, multi-family and commercial properties; these are the terms of real estate investing.  I’ve been attending my local Real Estate Investor meetups here in the Ti-Cities and I’ve picked up a bit of the lingo in the last few months, can’t you tell.

    My husband and I have had a rental for 15 years. It was our very first house, so cute that I couldn’t bear to part with it. My babies were born there, well not actually THERE, but while we lived there and it still kills me when people put nails in the walls.  I know, it isn’t the most ideal rental because of that deep, emotional connection, but I’m looking to expand my knowledge and consider new ways to acquire less emotionally attached properties.

    That led me to check out the local auction on a recent Friday literally at the steps of the Franklin County Courthouse (a beautiful building located in Pasco, WA and listed on the National Register of Historic Places).  The 9 am auction I intended to observe, not participate in, was postponed, and I learned there was another at 10.  I waited around and was chatting it up with the folks that were also waiting around.

    So that’s when I met my guest, Hilario Zaragoza, of Empire Bros Construction.  We waited at least another 75 minutes to see if the next auction would go (it didn’t) and we talked much of that time. Asking lots of questions, I learned about his background, how he came to be a business owner and end up there at the auction that day. His story is one that I think will resonate with a lot of people who have the fear of starting something that they don’t know much about.  He’s overcome a lot of obstacles, but man, does he have his head crewed on straight.  He’s got BHAG, big hairy audacious goals that all start with real estate investing.  You won’t want to miss this episode.

    In this episode, you’ll learn more about…



    * Where he got his start in construction.

    * How construction has helped him get closer to his real estate investing goals.

    * What is his exact process in finding, buying, rehabbing and selling a home.

    * What are some of the most important things to consider when bidding or buying a home to rehab and sell.

    * How he views risk.

    * How many siblings are involved in the business and their philosophy on debt.

    * What he thinks is the key to success.

    * What his vision is for his business.



    Links



    * Empire Bros. Construction

    * Auction.com Site

    * Real Estate Investors of Tri-Cities Facebook Page



    Ask Angie

    Have a question that you’d like to have answered on a future podcast episode? Send your question — along with your name and the city you live in — to angie@aveafp.com.

    Did you miss the last episode?

    Listen here.

    • 49 Min.
    Ep. 23 – WA529 Plans. The Best Decision You’ll Ever Make

    Ep. 23 – WA529 Plans. The Best Decision You’ll Ever Make

    Ep. 23 – WA529 Plans. The Best Decision You’ll Ever Make

    529 plans in Washington State had a year full of growth and change. Today we talk to Luke Minor, new Program Director of the Washington College Savings Plans (which is both the original Guaranteed Education Tuition program, GET for short and DreamAhead

    College Investment Plan. We are also joined by Jackie Ferrado who as Community Relations Manager, travels around Washington to communities large and small, to educate people on the benefits of using a 529 plan to help save for their child’s higher education.

    529 Day is coming up on May 29th. In spite of our nation’s student loan crisis and the recent attention on the college admissions scandals, people still don’t know much about 529 plans which are designed for college savings.

    We had a little fun playing Debunk the 529 Myth game.   I must say, Luke and Jackie know their stuff.

    Depending on what study you read or trust, the majority of Americans don’t know what a 529 plan is and do not plan to use it to save for college.  That is unfortunate.  When I plan with families, we use a multipronged approach to saving and paying for college with the 529 plan at the core.  We add in taxable accounts, Roth IRA accounts for both parent and student, grandparent gifting strategies, cash flow, tax scholarships and more in fully rounding out our plan to pay for all 4 years.  Why do we spend so much time in looking at this from every angle?  Because at this time, there is approximately $1.6 trillion in student loan debt, with the fastest growing segment attributed to those over 60!! Who wants to be paying down student debt when you are wanting to retire?

    At the end of 2018, there were 13.8 million 529 plan accounts with $311.1 billion in assets. (https://www.ici.org/research/stats/529s/529s_18_q4)



    In this episode you’ll learn more about:



    * What are 529 plans and how do they work.

    * The differences between the two types of plans, prepaid and investment.

    * The strength of the GET guarantee.

    * Updates on the transition that took place last year.  GET holders had 3 options, stay in the GET plan, rollover to the new DreamAhead plan at incentive payout rate, or get a refund and how did all that play out.

    * The actual numbers of those that rolled over or stayed and what kind of additional units did those who stayed receive.

    * We talk about current proposals to 529 plan rules that might allow more flexibility such as using those funds to pay off student loans

    * The best part, 529 myth busters!



    Tune in to hear all the details.

     

    Links



    * WA529 Washington College Savings Plans

    * College Savings Plan Network

    * Article by Luke Minor, And Now For Something Completely Different? and the confusion around the terms.

    * Joe Messinger of Capstone Wealth Partners Blog on 529 myths

    * Past video discussing the changes to the GET and new DreamAhead

    * Ready Set Grad



     

    Ask Angie

    Have a question that you’d like to have answered on a future podcast episode?

    • 42 Min.

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