エピソード

  • Habits That Build Long-Term Wealth

    Habits That Build Long-Term Wealth
    2026/08/27
    A $300 car repair is due, rent is next week, and there is $60 left after essentials. What should that $60 do first? Sarah walks through the numbers step by step, explains how a written budget can turn a stressful surprise into a clear decision, and shows why saving, debt, and immediate bills do not have one universal answer. You will also see how $60 a month could become $720 over a year in a future month when that amount is genuinely available. This episode is general educational information, not personalized financial advice. Sources discussed include Bankrate, Navy Federal Credit Union, and Mission Fed Credit Union. Music by Dmitrii Kolesnikov from Pixabay Watch the companion video: https://www.youtube.com/watch?v=aCQzglc6fBI
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    17 分
  • Protect, Check, Choose: What Comes First When Money Is Tight?

    Protect, Check, Choose: What Comes First When Money Is Tight?
    2026/08/20
    Payday can bring competing priorities: groceries, a utility bill, a car noise, and a savings goal. Sarah shares a simple three-step tool—Protect, Check, Choose—to help you cover essentials, see what is truly left, and give each available dollar a purpose. Using a $40 illustration, this episode shows why saving is not a pass-or-fail test, what to do when nothing is left after required bills, and one small step you can take today. General educational information, not personalized financial advice.
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    13 分
  • 5 Everyday Money Decisions to Revisit When Life Changes

    5 Everyday Money Decisions to Revisit When Life Changes
    2026/08/16
    When payday disappears into bills and a surprise car problem shows up, it can be hard to know which money choice needs attention first. Sarah walks through five everyday decisions that can help you see whether your current money plan still fits your life: track what comes in and goes out, question recurring costs without judgment, revisit old defaults, count the full monthly cost of a large purchase, and give future saving an intentional place only after seeing today’s needs clearly. Using a simple household example, this episode explains why money left after bills is not automatically spare money—it may already have several competing jobs. General educational information, not personalized financial advice.
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    14 分
  • The One-Page Money Decision Before the Deadline

    The One-Page Money Decision Before the Deadline
    2026/08/15
    When a lease renewal, car repair, credit-card payment, and long-term contribution all compete for the same dollars, what comes first? Sarah uses fictional Jordan’s situation to walk through an optional original Money Wise worksheet with five headings: upcoming decisions, essential monthly spending, near-term cash needs, debts, and long-term goals. Each item gets one label: act now, get more information, or review later. The episode includes a fictional Numbers Break with a $600 repair estimate and $900 in near-term cash. It also notes that a Forbes members-only event description frames 2026 discussion around rates, markets, budgeting, debt, long-term planning, and AI, but is not individualized financial advice or detailed economic data. This episode is general educational information, not personalized financial advice.
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    12 分