More Than Money Sqwire

The old Chinese proverb is something along the lines of "The best time to plant a tree was 20 years ago, but the second-best time is now." The same could be said when it comes to investing. Season one of the More Than Money podcast wraps up with one of the simplest, yet most important investing lessons out there.



Start early!



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Connect with the Sqwire Team and learn how financial wellness can positively impact your day-to-day life and business.

*This episode does not constitute financial advice and is for informational and educational purposes only.

One of the most common questions that we get is “what is the difference between Roth and regular 401ks?” and “how do I determine which I want?” As more companies offer their employees the choice between a Roth and Regular 401k as a part of their benefits package we thought it was time to break down the difference between the two.

0:49 The question that determines what you should choose between a Roth and Regular 401ks

1:30 How Roth and Regular 401ks are similar

2:23 How Roth and Regular 401ks are different

3:14 Pre-tax accounts and planning retirement

4:03 Things to consider when determining how taxes will impact your money in retirement

4:58 Making the decision between Roth and Regular

Connect with the Sqwire Team and learn how financial wellness can positively impact your day-to-day life and business.

*This episode does not constitute financial advice and is for informational and educational purposes only.

“Sometimes people are reluctant to start investing and a 401k is perhaps the simplest way to just get started because all the work is done for you by your company.”

The days of companies offering pensions are seemingly gone, but the era of 401ks is here. If your company offers a 401k account, you were probably handed a stack of papers about it when you filled out the rest of your orientation paperwork. Did you take time to read through them? Are you taking advantage of the opportunity your company provided you with? If you are pat yourself on the back. If you aren't there's still plenty of time to get yourself signed up and 

This week Casey and Danijel chat 401ks, why Casey loves them, and how you’re losing money if you’re not taking advantage of the 401K you're being offered.

0:49 What’s to like about a 401k

1:44 Contributing to a 401k is investing too

3:07 Free money aka company match

4:21 How valuable is a 401k?

Connect with the Sqwire Team and learn how financial wellness can positively impact your day-to-day life and business.

*This episode does not constitute financial advice and is for informational and educational purposes only.

The rule of 72 might seem a little confusing at first, but once you’ve got it down it is actually pretty simple. When you apply it correctly it will tell you how long it will take you to double your money with your current investment (or how long it will take for that credit card bill to double… yikes). Casey and Danijel explain how the Rule of 72 works and how you can use it.

0:28 How does the Rule of 72 work

0:40 Rule of 72 math

1:21 Calculating the deterioration of your money

1:47 Calculating Investment fees

2:11 Rule of 72 and interest

2:53 Reversing the formula

Connect with the Sqwire Team and learn how financial wellness can positively impact your day-to-day life and business.

*This episode does not constitute financial advice and is for informational and educational purposes only.

By definition “SIPC protects against the loss of cash and securities- such as stocks and bond- held by a customer at a financially-troubled SIPC-member brokerage firm.” If you’re an investor there are a few things you need to make sure you know about SIPC insurance as you go about your investing journey. Casey Halliley joins Danijel to break down what every investor needs to know about SIPC insurance.

0:20 Brief Overview of SIPC Insurance

0:41 How does SIPC Coverage Work?

1:19 Coverage limits

1:36 SIPC vs FDIC

2:13 Maintaining Faith in the Financial System

2:33 Does SIPC protect me against market fluctuations

3:20 Protecting Yourself with Over $500,000

4:21 History of SIPC Claims

5:04 Tips for Protecting Yourself

More on SIPC 

Connect with the Sqwire Team and learn how financial wellness can positively impact your day-to-day life and business.

*This episode does not constitute financial advice and is for informational and educational purposes only.

What if you had an “extra” paycheck just show up in your bank account one month? How would you use that extra money? You could put an extra payment towards debt, you could put it in your rainy day fund, or simply buy that new thing you’ve been wanting. In 2021 if you’re lucky (or get paid bi-weekly) you could be getting an “extra” check on a few occasions.

As we wrap up 2020 on the More Than Money podcast Casey digs into how some people might seem like they’re getting “extra” paychecks on more than one occasion in 2021.

As you set your financial goals for send us a note and let us know! Leave a five-star review and let us know what your goal is and one topic you you want us to cover on an episode and we will read it on air!

*This episode does not constitute financial advice and is for informational and educational purposes only.