Monday Money Tip

Joe Sangl
  • 4.9 (75)
  • INVESTING
  • UPDATED WEEKLY

It is our goal to help you accomplish far more than you ever thought possible with your personal finances, allowing you to do exactly what you have been put on earth to do.

  1. JAN 12

    #356: Monte Carlo Retirement Score Explained: Are You Actually Ready to Retire?

    About this Episode:  How confident are you that your retirement plan will actually work? In this Monday Money Tip, Joe and Megan break down the Monte Carlo retirement score, what it measures, why financial planners rely on it, and how you can use it to stress test your retirement plan. You will learn what a good Monte Carlo score is, why sequence of returns risk matters, and the specific levers you can pull to improve your retirement readiness, including saving more, spending less, adjusting asset allocation, and retiring later if needed. This episode explains how to use probability, not guesswork, to make informed retirement decisions and build a fully funded retirement plan. 💡 Join Fully Funded Life! Unlock your financial potential with Fully Funded Life! Gain access to unlimited financial coaching, take expert-led financial courses, and participate in exciting financial challenges. Connect with like-minded individuals in the Fully Funded Life community and work towards your goals together.

    16 min

  2. 12/29/2025

    #355: What 2025 Taught Us About Money and How to Move Forward

    About this Episode: As 2025 comes to a close, many households are feeling the weight of higher costs, tighter margins, and unfinished financial goals. In this episode of the Monday Money Tip Podcast, Joe and Megan reflect on the real money lessons 2025 delivered and how to carry them forward into 2026 without pressure or shame. They break down why margin matters more than income, how awareness counts as real progress, and why small, consistent habits often outperform dramatic financial resets. This conversation is not about big resolutions. It is about clarity, direction, and choosing the next right financial step so you can move into the new year with confidence and control. 💡 Join Fully Funded Life! Unlock your financial potential with Fully Funded Life! Gain access to unlimited financial coaching, take expert-led financial courses, and participate in exciting financial challenges. Connect with like-minded individuals in the Fully Funded Life community and work towards your goals together.

    21 min

  3. 12/15/2025

    #354: How to Position Yourself for Retirement (The Right Income Mix Explained)

    About thie Episode:  Are you actually positioned for retirement—or just crossing your fingers? In this episode of the Monday Money Tip Podcast, Joe and Megan break down what it really means to be prepared for retirement by understanding where your income will come from and how risky it is. You'll learn: The difference between guaranteed and non-guaranteed retirement income Common retirement income sources (Social Security, pensions, 401(k)s, IRAs, rentals, and more) Joe's 5-Year Rule for reducing risk as retirement approaches How working part-time in retirement can change your financial plan Two retirement paths: "The Big Day" vs "The Merger" Why starting early matters—even if retirement feels far away Whether retirement is 5 years out or 30 years away, this conversation will help you think clearly, reduce risk, and take a real next step instead of guessing. 🤝 Want help building your plan? Join Fully Funded Life for one-on-one coaching Live fully funded—now and in retirement. 💡 Join Fully Funded Life!- https://tinyurl.com/FullyFundedLife Unlock your financial potential with Fully Funded Life! Gain access to unlimited financial coaching, take expert-led financial courses, and participate in exciting financial challenges. Connect with like-minded individuals in the Fully Funded Life community and work towards your goals together.

    19 min

  4. 11/03/2025

    #353: America's Financial Stress Is Rising: What the Data Reveals

    About the Episode:  Financial anxiety is on the rise — and the data proves it. In this episode of the Monday Money Tip Podcast, Joe and Megan break down the latest numbers from the FINRA Financial Capability Study, revealing what's really happening with Americans' money habits. They unpack the findings behind: 📊 How many people are overdrafting their accounts again (and why) 🏦 The surprising truth about trust in banks 💳 Why fewer people are paying off credit cards in full 🏠 How many homeowners actually own their homes outright 📱 The surge in mobile banking across every income level 💡 And the shocking decline in basic financial literacy over time Joe and Megan share practical steps to manage your money confidently, avoid costly financial traps, and build lasting financial peace — no matter where you are starting from. 👉 View the FINRA report here: https://finrafoundation.org/national-financial-capability-study 👉 Get coaching and tools at: https://tinyurl.com/FullyFundedLife

    23 min

  5. 10/28/2025

    #352: Why 63% of Americans Feel Financial Anxiety (And How to Fix It!)

    About the Episode:  Are Americans losing their financial footing? In this episode of the Monday Money Tip Podcast, Joe and Megan break down the latest FINRA Financial Capability Study — a massive survey of 25,000 people that reveals the state of financial literacy across the U.S. They unpack surprising (and concerning) trends like: 💰 Why 2 in 3 adults struggle to make ends meet 📉 The drop in people spending less than they earn 💸 How inflation and rising costs are crushing budgets 📊 What percentage of Americans actually plan ahead for retirement 😟 And why 63% now say their finances make them anxious Most importantly, Joe and Megan share practical, hope-filled steps to move from financial stress to financial confidence — including budgeting tips, saving strategies, and simple ways to start investing today. 📍 Listen now to learn: The four key pillars of financial capability Why financial literacy matters more than ever How to start living your Fully Funded Life — one smart step at a time 👉 View the FINRA report here: https://finrafoundation.org/national-financial-capability-study 👉 Get coaching and tools at: https://tinyurl.com/FullyFundedLife

    26 min

  6. 10/24/2025

    #351: Demystifying Cryptocurrency with guest Matt Hines (Part 2)

    About the Episode:  In this continuing episode of the Monday Money Tip Podcast, Joe and Matt Hines delve into the world of cryptocurrency, exploring its definitions, the role of blockchain technology, and the implications of tokenization. They discuss the differences between assets and currencies, the process of mining Bitcoin, and the importance of self-custody in managing crypto assets. The conversation also touches on the security of cryptocurrency compared to traditional banking systems and the future of money in the context of Bitcoin. Matt shares valuable resources for listeners interested in learning more about cryptocurrency and emphasizes the importance of informed decision-making in this rapidly evolving space. 💡 Join Fully Funded Life! Unlock your financial potential with Fully Funded Life! Gain access to unlimited financial coaching, take expert-led financial courses, and participate in exciting financial challenges. Connect with like-minded individuals in the Fully Funded Life community and work towards your goals together.

    18 min

  7. 10/14/2025

    #350: Demystifying Cryptocurrency: A Beginner's Guide (Part 1)

    About the Episode:  In this episode of the Monday Money Tip Podcast, Joe and Matt Hines delve into the world of cryptocurrency, exploring its definitions, the role of blockchain technology, and the implications of tokenization. They discuss the differences between assets and currencies, the process of mining Bitcoin, and the importance of self-custody in managing crypto assets. The conversation also touches on the security of cryptocurrency compared to traditional banking systems and the future of money in the context of Bitcoin. Matt shares valuable resources for listeners interested in learning more about cryptocurrency and emphasizes the importance of informed decision-making in this rapidly evolving space. 💡 Join Fully Funded Life! Unlock your financial potential with Fully Funded Life! Gain access to unlimited financial coaching, take expert-led financial courses, and participate in exciting financial challenges. Connect with like-minded individuals in the Fully Funded Life community and work towards your goals together.

    27 min

  8. 09/15/2025

    #349: Are Interest Rates Going to Go Down?

    About the Episode: In this episode of the Monday Money Tip Podcast, Joe and Megan tackle one of the biggest financial questions of 2025: Are interest rates going to go down, stay the same, or rise even higher? From borrowers hoping to refinance, to savers watching CDs and treasury yields, interest rates impact nearly every financial decision. Joe and Megan break down the Quantity Theory of Money, look at Federal Reserve data, and discuss how money supply and inflation tie into today's economy. Whether you're buying a house, refinancing a car loan, or just trying to understand the Federal Reserve's moves, this episode will help you cut through the noise and make smarter financial decisions. Sources referenced: https://elements.visualcapitalist.com/30-years-of-u-s-money-supply-and-interest-rates/ https://fred.stlouisfed.org/data/FEDFUNDS https://fred.stlouisfed.org/data/M2SL https://fred.stlouisfed.org/series/FPCPITOTLZGUSA  https://www.federalreserve.gov/aboutthefed/bios/board/jefferson.htm 💡 Join Fully Funded Life! Unlock your financial potential with Fully Funded Life! Gain access to unlimited financial coaching, take expert-led financial courses, and participate in exciting financial challenges.  Connect with like-minded individuals in the Fully Funded Life community and work towards your goals together. Start your journey to financial freedom today! 🚀

    17 min
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4.9
out of 5
75 Ratings

About

It is our goal to help you accomplish far more than you ever thought possible with your personal finances, allowing you to do exactly what you have been put on earth to do.

Information

  • Creator
    Joe Sangl
  • Years Active
    2018 - 2026
  • Episodes
    100
  • Rating
    Clean
  • Copyright
    © I Was Broke Now I'm Not 2017
  • Show Website
    Monday Money Tip

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