55 episodes

Take control of your personal finances and make better money decisions. Eric Roberge, CFP and Kali Roberge share how use your money as a tool to enjoy your life now while still doing strategic financial planning for the future. This is the show for anyone who wants to change their mindset and go from financially stuck to self-made wealth. Join in on these intimate conversations to improve your financial situation, reach financial success, and get more of what you want from your life.

Beyond Finances Eric Roberge, CFP & Beyond Your Hammock

    • Business
    • 4.2 • 43 Ratings

Take control of your personal finances and make better money decisions. Eric Roberge, CFP and Kali Roberge share how use your money as a tool to enjoy your life now while still doing strategic financial planning for the future. This is the show for anyone who wants to change their mindset and go from financially stuck to self-made wealth. Join in on these intimate conversations to improve your financial situation, reach financial success, and get more of what you want from your life.

    Lessons from Tech Industry Failures: How to Avoid Implosions in Your Own Personal Finances

    Lessons from Tech Industry Failures: How to Avoid Implosions in Your Own Personal Finances

    Massive layoffs at Facebook and Amazon. Stumbles at Google and Lyft. A shaky year in the stock market for the tech giants - all capped off by a tremendously spectacular blowup at crypto platform FTX.
    The idea that "current success is the biggest indicator of an upcoming failure" seems especially resonate these days amid headline after headline about highly-regarded companies that missed the mark on sustainable growth. So what can these tech industry giants teach us about our personal finances? Join us in this episode as we walk through the takeaways we can apply to our own lives and personal financial situations.
    We explain the importance of setting reasonable expectations for yourself and your money, the dangers of believing in silver-bullet solutions, how to layer in stabilizing features into your financial plan when you construct it, why you need to properly assess risks (and how those risks aren't limited to what you personally choose to be involved in, but how you can be impacted by factors you didn't see coming), how to properly make a speculative bet in any financial market to protect yourself from too much downside, and much more.

    • 27 min
    How to Pay Less Taxes: 5 Strategies to Reduce Your Tax Burden

    How to Pay Less Taxes: 5 Strategies to Reduce Your Tax Burden

    Want to pay less in taxes? Who doesn't! In this episode of the show, we're talking through 5 ways that you can significantly reduce your tax exposure, and therefore save money by not sending so much of it off to the IRS.
    Today, we're discussing strategies to:
    1. Create liquidity from investments without triggering taxable events
    2. Grow tax-free wealth
    3. Pay less on investment gains
    4. Get more money into tax-advantaged retirement accounts (even when you make too much to contirbute to those accounts directly)
    5. Avoid paying income tax entirely
    If you're ready to learn (legally!) how to pay less taxes, this tactical episode is for you.

    • 30 min
    Math: It's Irresponsible!

    Math: It's Irresponsible!

    It might sound a bit odd coming from the finance pros, but it's true: it's irresponsible to use math alone to build a financial plan.
    That's because money isn't a math problem. Too often we think we can just plug numbers into a formula and rely on the answer that it generates, but that leaves out a lot of variables that often matter more than the baseline numbers.
    So what DO we look at instead? We share three major considerations:
    -- Understanding your financial reality and respecting what the numbers say about TODAY
    -- Adding color and context that reflects the fact that your financial decisions are made with the long-term in mind... but that you actually have to live your life in the day-to-day moments
    -- Managing the emotional challenges that come with trying to align your money, your time, and your energy in a way that allows you to get more of what you want
    We'll cover the 3-step framework we use to navigate the complex thought process that's required when making money decisions that actually work in real life... and along the way, we'll explain why spreadsheets and calculations only play a supportive role rather than a starring one.

    • 22 min
    7 Steps to a Foolproof Financial Plan

    7 Steps to a Foolproof Financial Plan

    As financial planners, we spend every day working to build foolproof financial plans. A foolproof financial plan is one that you can stick to, that you can execute, consistently over time - even through challenging times or unexpected setbacks. 
    In this episode of the podcast, we're discussing 7 key aspects that we look at when trying to create plans that can withstand the wear and tear (and unpredictability) of everyday life:

    Constructing a baseline plan with high likelihood of success Identifying actions you can take consistently over time (in almost any circumstance) Choosing assumptions carefully Avoiding reliance on any one factor or variable to work out perfectly in order for the entire plan to work Saving 25 percent of your income (or more!) Frontloading your savings and taking advantage of the power time gives you when it comes to compounding returns Keeping your spending in check (and using other rules of thumb to keep cash flow under control, like limiting your total annual housing costs to 20 percent of your gross income)
    Following these 7 steps can help you construct a foolproof financial plan that provides freedom and flexibility both right now and into the future. And freedom with our finances means access to the ultimate marker of success: having the choice and flexibility in how we spend our time.
    Ready to get your foolproof financial plan in place so you can enjoy these benefits? Jump into this episode now!

    • 28 min
    How to Use Your 401(k) to Retire Early

    How to Use Your 401(k) to Retire Early

    If you don't know how much you can really put into a 401(k), you may be missing out. We shine a light on the 401(k)s facts most people don't know, and uncover opportunities to save more so you can accelerate your progress toward your financial goals.
    Today on the show, we explain:
    - The real maximum you can contribute to a 401(k) each year - and it's not just $20,500!
    - The critical elements you need to look for within a 401(k) plan document, including what contributions are allowed, if employers make discretionary contributions, special withdrawal rules and conversions, and details on vesting schedules.
    - The overfunding mistakes we see clients make, and the manual math it takes to correct those.
    - The two main strategies to consider if you want to use your 401(k) to retire early - and access your money without penalties.
    - The role tax planning plays in getting the most from your 401(k)... whether you want to retire early or not.
    ...and more. Most people take their 401(k)s for granted, and don't ask enough questions about how to optimize those plans. If you're ready to correct that mistake and start maximizing what you can do with your 401(k) - or even use it to help you retire early - this episode is for you.

    • 29 min
    Financial Planning To-Dos for Expecting Parents

    Financial Planning To-Dos for Expecting Parents

    Having a baby or adding more children to the family is a big decision - and there are some major financial implications to this life milestone. On today's episode, we're sharing our own experience of the financial planning considerations we took into account when deciding if we wanted children - and how we financially prepared once we knew we wanted to have a baby.
    We discuss the practical considerations, from health insurance to cash flow and emergency funds, as well as how kids might impact your long-term financial plan (and whether or not those are tradeoffs you want to accept). 
    We also look at - regardless of where you fall on the having-kids or child-free debate - you need to create wiggle room and the ability to make an unexpected left turn int oyour financial plan (as well as how to do just that).

    • 24 min

Customer Reviews

4.2 out of 5
43 Ratings

43 Ratings

HeatherBopp ,

Great Perspectives - One Drawback

Eric and Kali have great perspectives and I love hearing the dynamic between a married couple negotiating finances. The only downside is Kali’s language quirks....”sun-thing” and “fitty” drive be bonkers. Otherwise great information and a fantastic format.

Ipabvtva ,

Very insightful!

I’m glad they are recording episodes again been listening for the last 3 years - thank you for the content and congrats on becoming parents!

Grusha - ElitePodcastBookings ,

Awesome Content!

Kudos! Looking forward to your upcoming shows!
~ Elite Podcast Bookings

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