The Financial Quarterback® Podcast with Josh Jalinski Josh Jalinski

Can ancient wisdom unlock modern financial success? In this episode, Josh explores the intersection of ancient biblical commandments and contemporary financial principles during the holy season of Passover and Resurrection Sunday. He discusses how themes like integrity, hard work, and contentment drawn from the Ten Commandments can fundamentally guide sound financial planning and decision-making.

Jalinski dives into the practical applications of these commandments, illustrating how avoiding debt, idolizing wealth, and respecting societal structures play pivotal roles in achieving financial stability and growth. He also highlights the importance of balancing work with rest, maintaining family ties, and conducting honest financial dealings to foster both economic well-being and a life of ethical balance. And in Extra Points, Josh presents a tailored set of "Ten Commandments of Financial Planning," offering a framework that combines these timeless principles with today's financial challenges.

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How do you stay one step ahead of financial scammers? In this episode of The Financial Quarterback, Josh is joined by Sean Pyles of NerdWallet's Smart Money Podcast, tackles the escalating challenge of financial scams. They discuss the sophisticated tactics scammers use and share essential tips for safeguarding your investments.
Together, they examine why younger generations are particularly susceptible to scams and highlight effective strategies for protection, such as multifactor authentication and unique password practices. The conversation also ventures into practical travel planning using credit card benefits and addresses the pressures young people face from inflation and soaring housing costs.

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What hidden forces are silently chipping away at your financial health? In this episode, Josh delves into the silent destroyers of wealth such as inflation, taxation, market fluctuations, and unpredictable life events. Using the vivid analogy of how mold can spoil fresh oranges, Jalinski explains how these factors can similarly erode your financial stability without warning.
Jalinski introduces "macro money management" as a strategy to combat these risks. This approach emphasizes viewing financial planning through a wider lens, taking into account the dynamic and unpredictable nature of financial markets and personal circumstances. He explains the use of a game board and rule book, managed by a "macro manager," to create a financial strategy that operates more like an orchestra than a solo act, ensuring all parts work in harmony. Josh underscores the importance of collaboration among various financial specialists—tax, legal, and investment advisors—to craft a robust and cohesive financial plan that may withstand both expected and unexpected challenges.

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Is World War III already unfolding in the economic arena? In this episode of The Financial Quarterback, Josh Jalinski speaks with Gerald Celente, founder of the Trends Research Institute, to explore the economic undercurrents that suggest a global conflict has begun, not with arms but with financial instruments. Celente discusses the intersection of rising digital currency adoption, the shift toward a cashless society, and the brewing storm in commercial real estate that could lead to a significant banking crisis.
They delve into the potential repercussions of these shifts, including a possible stock market crash driven by commercial real estate failures. Celente emphasizes the strategic roles of gold and Bitcoin as crucial safe havens during such economic turbulence. The conversation also touches on broader societal issues, highlighting the need for a renewed focus on spirituality and meaningful purpose as antidotes to the turmoil.

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Air date: 04-06-2024

What does the shifting landscape of unemployment rates, long-term care insurance, and market trends mean for your financial future? In this live edition of The Financial Quarterback, Josh tackles these topics head-on, alongside discussions on the retirement crisis, DEI funds, and the buzz around Tesla's potential robo-taxi release. Listeners call in with their pressing financial questions, from stocks and bonds to annuities and mutual funds.

Key discussions include the current 3.8% unemployment rate signaling job market health, challenges in acquiring long-term care insurance for those with pre-existing conditions, and the scrutiny DEI funds face over potential political biases. Josh offers insights into preparing for retirement, the benefits of Roth IRA, and strategies for early and informed financial planning.

The episode also dives into practical advice on planning for long-term care, weighing the options between self-insuring, traditional insurance, and innovative products like annuities or life insurance with long-term care riders. Amidst a broad range of financial questions, callers bring personal concerns to the forefront, from managing dementia care costs to navigating the complexities of estate planning and trusts.

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How can you elevate your financial game to the next level? Join Josh as he tackles the remaining rules 6-9 of the financial game, focusing on advanced strategies for wealth accumulation and management. This episode covers the importance of being both a lender and an owner, the value of hard assets, and the necessity of maintaining balance and regular monitoring of your financial plan.

Josh dives deep into the concept of "good debt" versus "bad debt," explaining how properly structured debt can serve as a powerful tool for building wealth, while also cautioning against the pitfalls of high-interest liabilities. He wraps up with a comprehensive review of the nine rules of wealth, providing listeners with a roadmap to financial success that includes diversification, strategic tax planning, and leveraging multiple streams of income.

In extra points, Josh shines a spotlight on the phenomenon of high-income earners living paycheck to paycheck, breaking down the factors that contribute to this paradox and offering advice for breaking the cycle. Josh shares insights on the impact of living in high-cost areas and the importance of frugality and mindful spending as keys to achieving financial freedom.

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