172 episodes

Your REAL personal finance questions answered by CERTIFIED FINANCIAL PLANNER™ professionals, Scott Frank and James Conole. With all of the misinformation and jargon in the financial industry, it's no wonder most people are confused about how to best manage their money. James and Scott are here to give clear answers to the important questions they hear most often. If you're ready to use your finances to create a more secure financial future, this show is for you.

Real Personal Finance Scott Frank and James Conole

    • Business
    • 4.9 • 346 Ratings

Your REAL personal finance questions answered by CERTIFIED FINANCIAL PLANNER™ professionals, Scott Frank and James Conole. With all of the misinformation and jargon in the financial industry, it's no wonder most people are confused about how to best manage their money. James and Scott are here to give clear answers to the important questions they hear most often. If you're ready to use your finances to create a more secure financial future, this show is for you.

    172 - What Should I Do When I I Receive a Significant Bump in Income?

    172 - What Should I Do When I I Receive a Significant Bump in Income?

    Scott and James discuss what to do when you receive a significant bump in income. 
    NEW: We're on YouTube here!
    Listener Question:
    I would like to do the more in-depth analysis you mentioned on today’s podcast if you are willing. We hope to retire in the next 5 years, at age 55/56. I am eligible to begin receiving a pension after this year, but plan to "double-dip" for the next 4-5. I have questions about 403(b) and 457 accounts, rollovers, and distributions.







    Planning Points Discussed
    Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps:
    2:30 - We're on YouTube HERE!
    4:15 - Income Basics
    10:02 - Income Raises & Planning Changes
    17:38 - How Much To Save For Different Goals
    20:32 - Aligning Your Financial Goals
    LET'S CONNECT!
    James
    YouTube LinkedIn Website
    Scott
    Facebook Twitter Website
    ENJOY THE SHOW?
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    • 22 min
    171 - Should I Save My Money For The Future Or Spend it Today?

    171 - Should I Save My Money For The Future Or Spend it Today?

    Scott and James discuss if you should save your money for the future or spend it today.
    NEW: We're on YouTube here!
    Listener Question:
    I am 40 years old and want to know how I am doing. I have been through a divorce and a major job change and have been saving as much as possible, but it seems like I may have gotten to a place where I may be able to save less aggressively. I would really love to be able to retire comfortably at 60 but also live my best life now without over-saving and missing out on today. I have an old 401k, current 401k, Roth IRA, HSA and brokerage account. I know my numbers very well: budget/spending, savings/savings rate, net worth, etc.
    Planning Points Discussed
    Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps:
    2:30 - We're on YouTube HERE!
    4:15 - Summary of Goals
    10:02 - Comprehensive Financial Planning
    17:38 - How Much To Save/Spend Today?
    22:32 - Aligning Your Financial Goals
    LET'S CONNECT!
    James
    YouTube LinkedIn Website
    Scott
    Facebook Twitter Website
    ENJOY THE SHOW?
    Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.

    • 23 min
    170 - Where Should I Invest My Excess Income?

    170 - Where Should I Invest My Excess Income?

    Scott and James discuss where to invest excess income.
    NEW: We're on YouTube here!
    Planning Points Discussed
    Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps:
    2:30 - We're on YouTube HERE!
    4:19 - Anonymous Example
    10:02 - Cash Flow
    17:38 - Roth Contributions
    22:41 - Risk Tolerance & Income Needs
    25:37 - Aligning Your Financial Goals
    LET'S CONNECT!
    James
    YouTube LinkedIn Website
    Scott
    Facebook Twitter Website
    ENJOY THE SHOW?
    Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.
    Leave us a review on iTunes.
    Have a money question you want us to answer? Submit one here

    • 27 min
    169 - [New Format!] Are Your Investments Too Concentrated?

    169 - [New Format!] Are Your Investments Too Concentrated?

    Scott and James discuss if your investments are too concentrated.
    NEW: We're on YouTube here!
    Planning Points Discussed
    Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps:
    2:30 - We're on YouTube HERE!
    5:03 - Individual Context
    7:32 - Budgeting
    13:45 - Importance of Tracking Efficiently
    19:32 - Index Fund Advantages
    25:11 - Aligning Your Financial Goals
    LET'S CONNECT!
    James
    YouTube LinkedIn Website
    Scott
    Facebook Twitter Website
    ENJOY THE SHOW?
    Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.
    Leave us a review on iTunes.
    Have a money question you want us to answer? Submit one here

    • 26 min
    168 - How to Understand the Stock Market

    168 - How to Understand the Stock Market

    Scott and James discuss how to understand the stock market.
    NEW: We're on YouTube here!
    Planning Points Discussed
    Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps:
    2:30 - We're on YouTube HERE!
    6:31 - What is the "market"?
    10:28 - Investing in the "winners"
    18:09 - What % Are The Major Companies?
    23:11 - Aligning Your Financial Goals
    LET'S CONNECT!
    James
    YouTube LinkedIn Website
    Scott
    Facebook Twitter Website
    ENJOY THE SHOW?
    Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.
    Leave us a review on iTunes.
    Have a money question you want us to answer? Submit one here

    • 23 min
    167 - What Insurances Do I Need?

    167 - What Insurances Do I Need?

    Scott and James discuss what insurances you need (and don't need).
    Planning Points Discussed
    Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps:
    2:30 - Insurance
    7:01 - Proper Protection
    10:41 - What Insurances To Avoid?
    17:36 - Long-Term Care Needs
    16:57 - Debt & Real Estate
    25:31 - Aligning Your Financial Goals
    LET'S CONNECT!
    James
    YouTube LinkedIn Website
    Scott
    Facebook Twitter Website
    ENJOY THE SHOW?
    Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.
    Leave us a review on iTunes.
    Have a money question you want us to answer? Submit one here

    • 26 min

Customer Reviews

4.9 out of 5
346 Ratings

346 Ratings

alex f. KB ,

This show is fantastic!

Scott and James have helped me understand my financial life and goals so much better. Their show is fantastic and I absolutely love that they aren’t selling anything. They are just trying to help people. Thank you both so much!

Shotau2 ,

Best podcast

My favorite podcast, found out about two months ago and have been binging, learned so much

meetdogg10 ,

Best finance podcast out there

Everything is broken down nicely into easy to understand points. Especially great for those who live in areas that are costly.

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