40 episodes

Financial and retirement planning guidance from Certified Financial Planner Donald Cash in Red Bank, NJ. Truly understanding what's happening inside your portfolio is so important to achieving retirement success.

Your Money & Your Life Podcast Donald Cash

    • Investing
    • 5.0 • 1 Rating

Financial and retirement planning guidance from Certified Financial Planner Donald Cash in Red Bank, NJ. Truly understanding what's happening inside your portfolio is so important to achieving retirement success.

    Evaluating the End of the Year 2020

    Evaluating the End of the Year 2020

    As we near the holiday season and end of the year, what’s been happening in our country? How does it impact what we do in our own financial planning? Anything we should do before the year is over?
    What does the election mean for planning for 2021, especially when we don’t have official results yet? Even without total clarity on our politicians, the economic results are coming back fairly strong, especially when it comes to consumer spending.
    We'll talk about that on today's episode.
     
    Read the show notes here: https://doncashpodcast.com/podcast/evaluating-the-end-of-the-year-2020/ 
     
    What we discuss on this show: 
    1:14 - COVID is spiking sadly.
    3:52 - The election results are not yet finalized.
    5:22 - The stories about possible vaccines are promising.
    7:16 - What does a divided Congress mean for taxes?
    9:10 - What moves should we make before the end of the year?
    10:29 - Any changes with Social Security?
    12:46 - What specific financial planning moves should we consider?
    16:19 - What are long-term capital gains and qualified dividends?

    • 22 min
    How This Election Compares to Previous Years

    How This Election Compares to Previous Years

    Election Day is behind us but the results for this year’s vote are still unclear. As unusual as the 2020 election has been, there are some surprising parallels to previous years. Join us as we go through those and then discuss what we can be doing from a planning standpoint during all the uncertainty.
     
    Read more and get additional resources here: https://doncashpodcast.com/podcast/how-this-election-compares-to-previous-years/ 
     
    What we discuss on this show: 
    0:29 - Election Day has passed 
    2:30 - Will be a while before things get settled 
    3:50 - Similar to the great election controversy of 1876 
    7:17 - So how was that election resolved?
    9:52 - What planning considerations do we need to have during all this?
    12:59 - What do we do now?
    16:17 - Gaining that peace of mind for your future

    • 20 min
    Planning for Social Security Benefit Changes

    Planning for Social Security Benefit Changes

    The federal government recently announced an increase to Social Security benefits for 2021 but it also came with an increase in Medicare premiums. On this episode, we’ll tell you what you need to know about these adjustments along with thoughts on additional changes that could come be coming down the road.
     
    Read more and get additional financial resources here: https://doncashpodcast.com/podcast/planning-for-social-security-benefit-changes/ 
     
    What we discuss on this show: 
    3:22 - Mixed signals from the market with the latest news.
    4:37 - Canceled debates
    6:55 - Cost of living & premium increase in Social Security benefits
    9:08 - Is Social Security going broke?
    11:04 - Stats on claiming benefits
    12:11 - Ways they could make the program solvent
    14:28 - Reducing the inflation benefit
    16:47 - How does this impact someone in retirement now?
    20:38 - Getting to Know Don: What’s a habit that drives you crazy that some people might have?

    • 23 min
    Electionomics

    Electionomics

    What are some of the economics surrounding an election year? How will our president impact our economy? Let’s talk about the 800 pound gorilla in the room as we head into the final quarter of 2020.
     
    Read more and get additional financial resources here: https://doncashpodcast.com/podcast/lets-talk-electionomics/ 
     
    What we discuss on this show: 
    1:39 - What does it take to go boating these days?
    4:31 - What should investors and retirees be doing leading up to the election?
    6:12 - What do the polls indicate?
    11:17 - How do the markets react?
    16:04 - Why do we see the economy working independently of the presidents?

    • 22 min
    Obsolete Financial Planning Axioms

    Obsolete Financial Planning Axioms

    Have you ever heard of the 10-5-3 rule? It’s one of the outdated financial planning axioms that just don’t make sense anymore. Today we’ll tell you why and explain interest rates, inflation, and factors that determine where we’re headed.
     
    Read more and get additional financial resources here: https://doncashpodcast.com/podcast/obsolete-financial-planning-axioms/ 
     
    What we discuss on this show: 
    0:33 – An update on what’s going on with Don.
    3:45 – The 10-5-3 Rule
    9:07 – An example of how inflation works.
    11:59 – Items with the greatest inflation.
    14:06 – Could 10-5-3 rule become more relevant?
    15:16 – Cash Connection: Should I be investing different since we have this election approaching in a few months. 

    • 19 min
    Stock Market & Real Estate Update

    Stock Market & Real Estate Update

    As summer winds down, the economy is still facing numerous challenges but you wouldn’t know it by looking at the stock market and real estate these past few months. Let’s try to make some sense of what we’re seeing in both markets and find out what Don thinks about the rest of the year.
     
    Read more and get additional financial resources here: https://doncashpodcast.com/podcast/stock-market-real-estate-update/ 
     
    What we discuss on this episode: 
    0:48 – What’s going on since last show?
    5:48 – What should we make out of these market gains?
    10:19 – Tech driving the market
    12:56 – How will the election factor into the market?
    16:45 – How is the housing market staying so strong?
    23:25 – Does Don have any clients thinking about cashing out and moving?
    24:24 – Where is Don getting his news from these days?

    • 26 min

Customer Reviews

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sodonnell3426 ,

Great information, from a real professional

My wife and I met Don Cash many, many years ago when we bought long-term care policies through him. We hadn’t been in contact again (except for the birthday cards he’s sent each of us every year since!), until recently, when I reached out to him to get help understanding the company issuing those policies sent us a notice explaining the multiple options the insurance company was offering us to avoid a tremendous hike in premiums beginning next year. I was totally confused by the choices they are offering, but Don was able to clarify the situation with one question. So, I started listening to his podcast, and I heard a lot of information my wife and I have discovered on our own over the past 10 years or so. My suggestion: listen to the podcasts from the beginning—especially of you think it’s too early for you to think about retirement, Social Security, Medicare, or long-term care insurance—and contact Don if you’re concerned at all about navigating the unfamiliar waters ahead. This guy can help you chart your course.

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