Money Roots

Amy Irvine
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Welcome to "Money Roots," the podcast where personal finance becomes personal. Join host Amy Irvine, CEO of Rooted Planning Group, as she demystifies the world of finance and makes it approachable for everyone, from beginners to financial experts. In each episode, Amy and her guests dig deep into the financial soil, planting the seeds of financial knowledge and helping you nurture your financial future. Whether you're looking to build a solid budget, invest wisely, or plan for retirement, "Money Roots" has you covered. Get ready to explore practical advice, inspiring stories, and expert insights that will empower you to take control of your financial destiny. It's time to grow your money roots and thrive financially! Subscribe to "Money Roots" now and join Amy on this exciting journey to financial empowerment. Let's put down some roots and flourish together.

  1. 12/26/2025

    End-of-Year Financial Checklist for a Prosperous 2025

    About the Guest(s):The episode is hosted by Amy Irvine, a financial expert and part of the Money Roots podcast team. Amy Irvine, along with her team, is dedicated to making financial conversations real, relatable, and oriented around personal goals. Although the transcript doesn't detail Amy's professional history, her knowledge and expertise in financial planning and investment strategies are evident throughout the episode. Her commitment to helping listeners understand and manage their finances optimally is demonstrated through her thoughtful advice and insights. Episode Summary:In this insightful episode of the Money Roots podcast, host Amy Irvine walks listeners through essential financial actions to consider before the end of 2025. As the year draws to a close, the episode aims to equip the audience with practical advice to optimize their financial standing and prepare for future growth. Amy covers a breadth of topics, including asset management, tax planning, retirement contributions, and charitable donations, offering a wealth of information to guide listeners through pivotal year-end financial decisions. Throughout the episode, Amy emphasizes the importance of strategically managing assets and debt. She discusses the potential benefits of realizing capital losses to offset gains and highlights how certain mutual funds could impact tax obligations. Capital gain distributions and estimated tax payments are also discussed, providing listeners with key insights on minimizing year-end tax liabilities. Moreover, the host delves into retirement planning strategies, advising on required minimum distributions (RMDs), conversions between traditional and Roth IRAs, and intra-plan conversions within 401(k) plans. Her recommendations aim to maximize retirement savings while minimizing potential tax burdens. Key Takeaways:Realize capital losses to offset gains and consider potential capital gain distributions in taxable accounts.Meet required minimum distributions (RMDs) for both personal and inherited IRAs before year-end to avoid penalties.Evaluate opportunities for Roth conversions and strategic retirement contributions while considering future income levels.Engage in tax planning by capitalizing on qualified charitable donations and understanding adjustments such as IRMAA.Explore financial planning for education through 529 plans and business strategies like the QBI deduction. Notable Quotes:"You can even write off up to $3,000 of ordinary interest if you have a capital loss totaling of 17,000.""Make sure that you take that RMD before the end of the year. RMDs from multiple IRAs can generally be aggregated.""If you are over 70 and a half, you can make what's called a qualified charitable donation from your retirement IRA account.""Using those qualified charitable distributions can be a big help to reduce that adjusted gross income.""Consider the financial aid planning strategies such as reducing income in specific years to increase financial aid packages." Resources:a...

    14 min

  2. 11/19/2025

    Child-Free & Prepared: Maddy Roche on Building Your Safety Net

    About the Guest(s):Maddy Roche - Maddy handles all marketing, growth, and prospect engagement for Childfree Trust® - the first nationwide medical and financial POA, executor and trustee representation service for the Childfree population. She understands the challenges of being Childfree as it relates to estate planning and is passionate about educating her community about ways to prepare. Before joining Childfree Trust®, she was XYPN’s first employee and host of XYPN's podcast Behind the Advisor. In her previous roles as Vice President and Executive Business Coach, she helped build and lead the departments that deepen XYPN’s membership value. Maddy has seen, heard, and helped thousands of financial planners throughout their entrepreneurial journeys with energy, expertise, and compassion. Episode Summary:In this enlightening episode of Money Roots, host Amy Irvine is joined by Maddy Roche, Chief Growth Officer at Child Free Trust, for an in-depth discussion on a timely financial planning topic: estate planning for child-free individuals. Maddy's expertise comes to the forefront as they explore the common misconceptions surrounding estate planning for those without children, emphasizing the need for a structured plan to safeguard one's legacy. This conversation is critical for the 25% of Americans who lack children, whether by choice or circumstance. The conversation delves into the innovative solutions offered by Child Free Trust, a groundbreaking initiative poised to fill the "fiduciary void" faced by child-free adults. By January, the organization will officially provide nationwide services as medical power of attorney, financial power of attorney, executor, and trustee, uniquely catering to the 15 million Americans over 55 without children. Amy and Maddy discuss the substantial need for such services and how the digital platform will facilitate critical information sharing across all 50 states, ensuring individuals have someone to rely on in times of medical emergencies, cognitive decline, or death. This episode shines a light on the future of estate planning, presenting options for those who previously had limited solutions. Key Takeaways:Child Free Trust offers the first nationwide estate planning service tailored for individuals without children.Estate planning isn't just about preparing for death; it's also about emergency preparedness for medical situations and cognitive decline.The service covers all 50 states, providing comprehensive solutions that include medical and financial power of attorney, executor, and trustee roles.Many child-free individuals face the "fiduciary void," lacking a designated representative to act on their behalf amid emergencies.Maddy emphasizes the importance of removing emotional biases in decision-making, opting for professional, impartial third-party services. Notable Quotes:"A lot of people say, oh, it must be so easy to plan for estate planning purposes when you don't have kids. I'm like, yeah, like, who do you leave your stuff to? It's actually a big problem." – Amy Irvine"There are 25% of Americans that don't have kids either by choice or by circumstance." – Maddy Roche"15 million Americans over 55 don't have children. It's a huge market; it's a huge underserved market in so many ways." – Maddy Roche"We really try to neutralize some of this ahead of time, and working with a planner like you can help." – Maddy Roche"This takes that out and there's continuity, so it doesn't matter if there's any health events, there's that continuity of care that continues." – Amy Irvine Resources:Child Free Trust – Offering estate planning services tailored for child-free individuals.a...

    27 min

  3. 10/29/2025

    Defining the True Purpose of Financial Planning with Flexibility

    About the Guest(s):Amy Irvine is the CEO and a financial planner at Rooted Planning Group. With over 30 years of experience in the financial industry, Amy has dedicated her career to making financial planning accessible and relatable. Her approach is deeply personalized, focusing on the unique goals and values of each client, which she believes are essential to effective financial planning. Amy is committed to guiding her clients through financial literacy and helping them achieve their ideal financial futures. Episode Summary:In this episode of the Money Roots podcast, Amy Irvine delves into the essential purpose and process of financial planning. She addresses common questions about why financial planning is worth undertaking and how it can profoundly impact personal finance decisions. Drawing from her extensive experience, Amy emphasizes the individuality of financial planning, asserting that its purpose is rooted in each person's unique goals and desires for their life, free from financial barriers. Amy outlines the seven-step financial planning process as defined by the CFP Board, highlighting the importance of understanding personal and financial circumstances as a key component. The episode provides a deep dive into each step—gathering information, identifying goals, analyzing current actions, developing recommendations, and continuous monitoring. By doing so, Amy aims to demystify financial planning and encourages flexibility, acknowledging that goals can evolve and adapt over time. This adaptability represents the true purpose of financial planning: to provide a framework that flexes with life changes and helps individuals navigate their financial paths more confidently. Key Takeaways:Financial planning should be personalized to align with individual goals and values, ensuring it addresses what truly matters to the client.The seven-step financial planning process serves as a guide to gain clarity on financial decisions and adapt to life changes.Financial goals are not static; it's normal for them to evolve, and planners are there to help clients navigate these changes.Discussing and analyzing different financial scenarios enables clients to choose optimal paths that resonate with their values, even if the optimal numerical solution is different.Continuous monitoring and updating of the financial plan are crucial, as they accommodate life's changes and ensure the plan remains relevant and effective. Notable Quotes:"Understanding the person is the key component to financial planning.""The purpose of financial planning is the ability to actually be flexible if things change.""Identifying and selecting goals doesn’t mean they’re written in stone.""The most optimal recommendation isn't necessarily what you'll want to choose, and that's okay.""The pivoting and the shifting, to me, is the true purpose of financial planning." Resources:CFP Board's Guide to the Seven Steps of Financial Planning Process Encouraged by Amy Irvine's expert insights, listeners are invited to explore the full podcast episode to gain a complete understanding of the robust financial planning process. Stay tuned for further episodes of the Money Roots podcast, designed to keep your finances grounded and your future flourishing.

    15 min

  4. 10/15/2025

    Estate Planning for Multinationals

    About the Guest(s):Paula M. Jones has been practicing law for almost 25 years.  After a decade at large international law firms, she opened her own practice in 2016. LinkedIn - Paula M Jones, Esq Her domestic estate work includes wills, trusts, powers of attorney, living wills and beneficiary designations.  She employs marital, residuary, disclaimer, dynasty, asset protection, grantor-retained annuity and intentionally defective grantor trusts, as well as family corporations to protect and preserve assets for many generations. She represents trustees and beneficiaries of trusts in trust-related matters.  Her Orphans’ Court practice includes trust reformations, trust mergers and divisions, terminations, accountings and audits. She represents parties in negotiations to avoid fiduciary litigation. Her work with international clients includes efficient planning in regard to U.S. estate and gift taxation, qualified domestic trusts, residency determinations, tax treaty applications, pre-immigration planning for non-resident aliens coming to the United States, expatriation tax planning for residents and citizens leaving the United States, administration of estates of foreign individuals with U.S. property and other related matters.  She has represented many individuals in regard to foreign account and asset compliance issues. Paula is currently an adjunct professor at Western New England University School of Law where she teaches International Estate Planning.  She has guest lectured at Columbia University, Temple University School of Law’s Masters of Laws Program and Rutgers University School of Law.  She lectures frequently for organizations such as the American Immigration Lawyers Association, Society for Human Resource Management and the American Bar Association, as well as local estate planning councils. Paula has authored several articles in respected industry journals such as Trusts and Estates, AICPA’s Tax Advisor and the ABA’s Practical Tax Lawyer. In addition, she developed a workshop on estate planning basics, titled “Will Power: Wealthy or Not, Your Estate Matters.” The companion book was published by The Graduate Group. Paula is admitted to practice in the State of New York, the Commonwealth of Pennsylvania, the State of New Jersey, the U.S. Tax Court and the U.S. District Court, Eastern District of Pennsylvania. Episode Summary:In this episode of the Money Roots podcast, host Amy Irvine engages in an enlightening discussion with Paula Jones, the esteemed owner of Jones Estate Group. With a robust background in international and domestic estate law, Paula delves into the intricacies of cross-border estate planning. She offers valuable insights into the roles her firm plays in estate planning, particularly emphasizing the importance of having a qualified team comprising estate attorneys, financial planners, and immigration lawyers when considering dual citizenship or cross-border living. Throughout the podcast, Paula addresses key issues associated with holding assets across different countries and the complex scenarios faced by individuals with multinational ties. Her discussion includes an exploration of residency determinations, tax treaty applications, and the vital significance of qualified domestic trusts in safeguarding assets. Paula’s practical advice caters to a growing audience interested in international living, offering concrete steps to ensure seamless estate planning while navigating diverse legal systems. Key Takeaways:Having a qualified team of advisors, including an estate attorney, financial planner, and immigration lawyer, is crucial for...

    46 min

  5. 10/01/2025

    Discovering True Wealth: Defining "Enough" in Your Financial Journey

    About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a financial planning firm dedicated to fostering authentic money conversations that align with clients' personal goals. Amy has built a career around helping individuals define and achieve their concept of "true wealth," emphasizing financial literacy, personal insight, and strategic planning tailored uniquely to each client. Her collaboration with Money Quotient has further solidified her expertise in creating meaningful financial strategies. Episode Summary:In this enlightening episode of Money Roots, Amy Irvine delves into the concept of "true wealth" and challenges the common perception of wealth being synonymous with material riches. Through her experiences, particularly a personal revelation during a hiking trip in the Adirondacks, Amy illustrates how determining what "enough" means is crucial for financial and personal well-being. She emphasizes the importance of identifying one's own tree line, the point where personal satisfaction equates to true wealth beyond the accumulation of material possessions. Amy further explores the obstacles to financial freedom, citing incorrect money messages and lack of financial literacy as major hindrances. The episode underscores the significance of understanding personal money beliefs—often rooted in childhood experiences and societal influences—and encourages listeners to seek proper financial education. Amy suggests practical exercises and resources that can help listeners gain deeper personal insights and improve financial literacy. The episode also touches on the role of financial security in offering life options, stressing that real wealth is in aligning financial resources with personal values and life goals. Key Takeaways:Defining True Wealth: True wealth is about recognizing and appreciating when you have enough, not merely the accumulation of more.Money Quotient Partnership: Rooted Planning Group uses tools from Money Quotient to help clients align financial strategies with personal values.Financial Freedom Obstacles: Identifying and overcoming common roadblocks such as misleading money beliefs and a lack of financial education is essential.Influences on Money Beliefs: Personal financial values are heavily influenced by childhood experiences and societal norms.Financial Literacy Exercises: Engaging in thought-provoking exercises can provide valuable personal insights and enhance financial knowledge. Notable Quotes:"Everybody has that moment that they're like, yeah, this is enough. I don't need any more.""Our culture has it at its core, the idea that more is better. Yet the underlying qualities that truly affect happiness are not advanced one wit by having more material things.""True wealth is you've realized when your time is where you want it to be, your energy is where you want it to be, and the money that is needed towards reaching those goals is enough for you.""Listening to the wrong money messages and lack of financial literacy are the two main obstacles to financial freedom.""Money can buy options, and that's something that's really important." Resources:Rooted Planning GroupMoney Quotient"Everything You Know About Money is Wrong" by Karen Ramsey Listeners are encouraged to dive into the full episode for more in-depth discussions and insights...

    14 min

  6. 09/17/2025

    Healing Your Relationship with Money: A Conversation with Jaelyn Vickery

    About the Guest(s):Jaelyn Vickery is the founder of Dimensional Wealth, and the host of the F3 podcast, which stands for Financial Fitness Finesse. She is a licensed clinical therapist as well as a renowned financial therapist. Jaelyn has excelled in connecting the sometimes-complicated dots between food and finance, with a particular focus on consumer psychology. With a background as a collegiate athlete, Jaelyn combines her experiences in mental health and financial management to help clients explore their consumption patterns and emotional relationships with money. Her passion includes guiding people through the ‘C3 Cycle’—compulsion, consumption, and control—a method she developed to help individuals navigate their financial and emotional landscapes. Facebook Instagram LinkedIn Episode Summary:Dive into an enriching conversation on Money Roots with Amy Irvine as she talks with Jaelyn Vickery, a multi-faceted expert in the field of financial therapy and mental health. As a founder of Dimensional Wealth, Jaelyn enlightens listeners on the intriguing intersection between food and finance, and how consumer psychology plays a crucial role in daily decision-making. With insights into both individual and collective financial behaviors, this episode will spark revelations on how listeners perceive and interact with money in their lives. Jaelyn Vickery delves into key aspects of her methodologies such as the ‘5 Reps to Wealth’ to help achieve total well-being. Her approach incorporates the various dimensions of wellness, using them as tools to manage both financial and emotional challenges efficiently. From the importance of pausing to assess personal goals to understanding how emotions translate into financial decisions, this episode is packed with insights. Learn how the principles of financial therapy can support healthier money habits and emotional stability in culturally driven consumer societies. Key Takeaways:Connection Between Food and Finance: Jaelyn draws parallels between food and finance, shedding light on how both aid in hitting pleasure points and are deeply embedded in survival instincts.5 Reps to Wealth Framework: This model incorporates eight dimensions of wellness, helping to create balance and abundance in one's personal and professional life.C3 Cycle: Understand the compulsion, consumption, and control cycle, which aids individuals in recognizing and transforming unhelpful consumption habits.Enoughism: Addresses the perpetual chase for more, illustrating the importance of defining ‘enough’ in personal and professional contexts.Therapeutic Collaboration: Discusses the synergy between financial therapists and advisors in addressing emotional and financial health. Notable Quotes:"Money is just emotions disguised as numbers.""Too often, we achieve so much on paper, but realize so many aspects of our lives have diminished.""Life is not basic... the human experience is abundant and beautiful.""What is right is actually within your own control of design.""Working with me, you'll learn how to find those moments of pause very quickly." Resources:Jaelyn Vickery's Website: JVIC.com - Find services, resources, and contact information.F3 Podcast - Hosted by Jaelyn,...

    41 min

  7. 09/03/2025

    From Sharpie to Simplicity: Carl Richards redefining Money and Meaning, with Sketch's that foster Conversations

    Carl Richards started The Sketch Guy column in The New York Times from the hills of Utah, crafting clear, relatable insights about money with just cardstock and a Sharpie. The column ran weekly for a decade. This journey began when Carl applied for what he thought was a job as a “security guard,” only to find out the ad actually said “securities.” That slight misstep sparked a lifelong dedication to reshaping how we think about money. Since then, Carl has become a Certified Financial Planner™, built and sold a successful investment firm, and spoken at financial and investment events worldwide—from Australia to South Africa, the UK, and major economic centers across Europe, Canada, and the United States. His bestsellers, The Behavior Gap and The One-Page Financial Plan, have been translated into over ten languages and continue to resonate globally. Through his daily podcast, Behavior Gap Radio, which now has over 1,000 episodes and over one million downloads, Carl shares new perspectives on aligning our resources with what truly matters. His latest audio project, 50 Fires, backed by executive producers Chip and Joanna Gaines, explores the intersections of money and meaning with guests like Pete Holmes, David Whyte, Krista Tippett, and his favorite guest by far, his wife, Cori. Carl founded The Society of Advice, a community of financial planners dedicated to the craft of advice. They gather for a monthly online workshop and frequent retreats in Park City, Utah. In 2025, Carl will release a new book that, true to form, will be unlike anything seen in the personal finance section—and you better believe there will be sketches (101 of them, to be exact). Pre-Order: Your Money: Reimagining Wealth in Simple Sketches When he’s not exploring ideas about money, Carl, a Wilderness First Responder, can be found navigating Utah’s high mountain ridges on foot, skis, or bike. Married to Cori since 1995, they have four kids, whom they consider their best friends. For information about Carl Richards speaking to your organization or appearing on your podcast, click here. TwitterInstagramLinkedIn Episode Summary:In this special episode of Money Roots, host Amy Irvine welcomes Carl Richards, also known as the Sketch Guy of the New York Times. The discussion centers around Carl's innovative new book, which serves as both a financial guide and conversation starter, featuring 101 insightful sketches and essays about personal finance. Through this medium, Carl aims to encourage meaningful dialogue about money—a subject often avoided yet deeply impactful in our personal lives. From his unconventional start in finance to becoming an influential voice in financial planning, Carl’s journey is a testament to reshaping how people perceive and engage with money. Throughout the conversation, Carl emphasizes the critical role of conversations in financial planning, advocating that understanding and clarity arise from dialogue. Amy and Carl delve into the book’s thematic sections, exploring how each segment—from...

    40 min

  8. 08/20/2025

    Unbox Your Retirement: Balancing Learning, Work, and Leisure

    About the Guest(s):Amy Irvine is the host of the podcast "Money Roots" and is a seasoned expert specializing in financial planning. Amy is known for her down-to-earth approach, making money conversations relatable and rooted in personal goals. Her expertise lies in designing a fulfilling financial life, especially focusing on retirement planning that aligns with one’s personal and emotional well-being. With a mission to educate and simplify complex financial topics, she aims to empower individuals to take control of their financial future. Episode Summary:In this insightful episode of Money Roots, Amy Irvine delves into the intricacies of designing a fulfilling and meaningful life in retirement. Through an exploration of the traditional life phases of education, work, and retirement, Amy challenges listeners to think outside the box and consider a more integrated approach to their life's journey. Rooted in her financial expertise, she emphasizes the importance of lifelong learning, balanced living, and finding personal fulfillment beyond traditional career achievements. Throughout the episode, Amy highlights the essential need for continuous learning, meaningful work, and rewarding leisure activities, promoting a holistic approach to retirement preparation. She references Richard Bowles's concept of the 'three boxes of life' and incorporates insights from Dr. Phyllis Moen of the Cornell Retirement and Well-being Study. This discussion encourages listeners to unbox their lives, balancing different facets such as intellectual pursuits, work passion, and leisure activities that resonate personally, thus crafting a retirement that is both satisfying and joyous. Key Takeaways:Lifelong Learning: Retirement should be viewed as an opportunity for continued learning and personal growth, rather than a mere cessation of work.Unboxing Life: Traditional phases of education, work, and retirement can be more fulfilling when integrated and balanced throughout life.Personal Fulfillment: It's crucial to engage in activities during retirement that are personally meaningful and joyful, rather than just remaining busy.Purpose and Leisure: Retirement offers a unique chance to redefine what leisure means to you, emphasizing activities that feel like a 'mini-vacation.'Holistic Planning: Consider all aspects of life, including intellectual, work, and leisure pursuits, to achieve a balanced and rewarding retirement journey. Notable Quotes:"The blessings for which we hunger are not to be found in other places or people.""We have to learn to balance learning, work, and leisure in every stage of our lives.""For some people, that is an exciting prospect and for others, it's a very frightening one.""Make sure the things that you're doing not just in retirement obviously, but right now... are bringing meaning.""Retirement planning should be a lifelong regime rather than a later life concession." Resources:Cornell Retirement and Well-being Study: Insights by Dr. Phyllis Moen on planning a fulfilling retirement.Richard Bowles's Three Boxes of Life: A framework for understanding life phases. Tune in to the full episode to delve deeper into Amy Irvine's unique perspective on crafting a fulfilling and balanced retirement. Stay connected for more enriching content on "Money Roots," where we help you keep your finances grounded and your future growing.

    18 min
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Welcome to "Money Roots," the podcast where personal finance becomes personal. Join host Amy Irvine, CEO of Rooted Planning Group, as she demystifies the world of finance and makes it approachable for everyone, from beginners to financial experts. In each episode, Amy and her guests dig deep into the financial soil, planting the seeds of financial knowledge and helping you nurture your financial future. Whether you're looking to build a solid budget, invest wisely, or plan for retirement, "Money Roots" has you covered. Get ready to explore practical advice, inspiring stories, and expert insights that will empower you to take control of your financial destiny. It's time to grow your money roots and thrive financially! Subscribe to "Money Roots" now and join Amy on this exciting journey to financial empowerment. Let's put down some roots and flourish together.

Information

  • Creator
    Amy Irvine
  • Years Active
    2017 - 2025
  • Episodes
    200
  • Rating
    Clean
  • Copyright
    © Copyright 2025 Amy Irvine
  • Show Website
    Money Roots