126 episodes

A semi-monthly podcast that brings you advice and interviews with experts on various important topics to help you make better and smarter financial decisions in order to improve or maintain your financial situation.

Financial Freedom Podcast Steven J. Richardson, Esq.

    • Education
    • 4.9 • 16 Ratings

A semi-monthly podcast that brings you advice and interviews with experts on various important topics to help you make better and smarter financial decisions in order to improve or maintain your financial situation.

    Paying Off Debt While Making Money with Jerry Fetta

    Paying Off Debt While Making Money with Jerry Fetta

    People that are in debt are in a difficult situation when it comes to planning for their financial future. It can be difficult enough to amass enough disposable income to pay down their debt, let alone have any left over to put towards retirement! But if they concentrate on paying down the debt, they delay their retirement investing, which puts that retirement at risk!
    That’s why in this episode of the podcast I talk to Jerry Fetta, a financial expert, who helps people to make and save money, even while they are paying down debt.
    In this episode you will learn:
    Negotiating Techniques with the Banks How to Leverage Life Insurance to Pay Debt Ways to Free Up Disposable Income  

    • 50 min
    Tips on Saving Money on Your Car Insurance

    Tips on Saving Money on Your Car Insurance

    In many states, including New Jersey, the car insurance bill can amount to quite a bit every year. It can be a struggle to pay, and many Americans either get the bare minimum coverage or don’t get it at all, hoping that they never need it.
    But having good car insurance is not only key to your financial freedom, in New Jersey and other states it is mandatory, and serious penalties can occur if you go without. That’s why in this episode of the podcast I wanted to talk about tips for reducing the cost of your car insurance so that the savings can be put to better use towards your financial freedom.
    In this episode you will learn:
    How DUIs and Other Traffic Tickets Affect Your Rates Tips on How to Reduce Insurance Costs Why Your Credit Score Matters Why Bundling Coverage May Make Sense to You

    • 19 min
    Planning for What to Do in Retirement

    Planning for What to Do in Retirement

    When it comes to retirement, the focus always seems to be on the saving and investing part of it. Will you have enough money to retire? Although this is a very important part of the process, and should not be taken lightly, it is not the only thing you should be thinking about when it comes to that topic.
    Many people retire and are comfortable financially but are then at a loss as to what to do. Their jobs and commitments up to that point had given their lives meaning, but now what do they do? That’s why in this episode of the podcast I wanted to talk about that other part of retirement planning: How to enjoy it once you get there!
    In this episode you will learn:
    How to find meaning for your retirement How to develop a retirement mindset Ways to spend an enjoyable retirement

    • 16 min
    Growing Small Business Profits with Joe Pardo

    Growing Small Business Profits with Joe Pardo

    If you work for someone else, your income is what they pay you, unless you get a raise or a promotion that pays more money or get a better job. But if you own your own small business, your household income rises and falls with the profits of that business. So, if you want a raise, you have to do it yourself by increasing profits.
    One way to do that is to learn from others and how they did it. That’s why in this episode of the podcast I talk with business coach and podcaster Joe Pardo on how he helps small business owners to give themselves a raise and be more successful in their businesses!
    In this episode you will learn:
    Why “Knowing Your Numbers” is Key to Profit Growth The Importance of Building a Good Team Why You Need to Perfect Your Offer, Messaging, and Positioning How Optimizing Your Process Pays Dividends  
     

    • 55 min
    The Status of COVID-19 Relief

    The Status of COVID-19 Relief

    As the pandemic continues to drag on, even though people are starting to receive a vaccine, lots of folks here in New Jersey and the nation are still suffering financially. Congress and the President are currently working on more economic relief, but as of this episode, nothing is definite.
    As listeners may have a lot of questions about the relief currently being discussed, any long term strategies being planned by the President, and the tax implications of what has happened so far, I wanted to discuss those in this episode, so that you will be better informed and be able to make your own plans accordingly.
    In this episode you will learn:
    What Congress is planning in future COVID Relief Whether you can expect to receive any of it What the tax implications may be for relief already received Long term plans of President Biden

    • 20 min
    Tips for Saving on Your Utility Bills

    Tips for Saving on Your Utility Bills

    One of the budget line items I often discuss with my bankruptcy clients is their utility bill. The gas, electric, water, and sewer bills can get out of hand and threaten their fresh start after they get their discharge. But even if you aren’t filing bankruptcy, getting a handle on that expense can help balance a budget and free up funds for more long-term financial goals.
    That’s why in this episode of the podcast I wanted to talk about ways in which you can get these numbers down. I wanted to provide guidance on how to negotiate your bill as well as how to implement some tips and tricks around the house to reduce usage, and therefore your bill.
    In this episode you will learn:
    Tips on Negotiating Your Bill Home Tweaks and Hacks Tips on Lowering Your Water Bill

    • 24 min

Customer Reviews

4.9 out of 5
16 Ratings

16 Ratings

MollyMcCormickRVA ,

Great insight and advice

Great insight and advice! Definitely worth a listen.

Katie Joy B. ,

Finances Made Fascinating

Steve and his knowledgeable guests are making financial management a fascinating task rather than a finicky chore! The great content and advice they provide, combined with the relatable way in which they deliver it had me hooked from the very first listen. Thanks for putting out such a stellar show Steve - keep up the great work!

madbrenda ,

NO BS Inside Baseball for Financial Freedom!

I've known Steve for years and his passion for helping people out of financial bedlam. His podcasts are chock full of great insight and information!

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