『Money for Life with Eric Roberge, CFP』のカバーアート

Money for Life with Eric Roberge, CFP

Money for Life with Eric Roberge, CFP

著者： Eric Roberge CFP & Beyond Your Hammock
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今ならプレミアムプランが3カ月 月額99円

2026年5月12日まで。4か月目以降は月額1,500円で自動更新します。

概要

 Money for Life helps high-earning professionals and executives in their 30s and 40s build wealth with intention and clarity. Hosted by Kali and Eric Roberge, CFP®, this podcast shares real-world strategies to reduce lifetime taxes, invest wisely, and make confident money decisions. Hear case studies, expert interviews, and practical Q&As that help you align your finances with the life you want—today and in the future.© Beyond Your Hammock LLC 個人ファイナンス 経済学
エピソード
  • Investing at the End of the World: Dealing with Your Personal Portfolio Amid Geopolitical Tension, Questionable Job Markets, and Ongoing Market Volatility

    Investing at the End of the World: Dealing with Your Personal Portfolio Amid Geopolitical Tension, Questionable Job Markets, and Ongoing Market Volatility
    2026/04/27

    If uncertainty has you feeling anxious and itchy to do something, this episode will show you exactly where to channel that energy — and why the investors who come through periods like this the strongest are the ones who already have a plan in place.

    The stock market is bouncing around. The headlines are loud. There are literal wars to worry about. So if you've logged into your investment account recently and felt a knot in your stomach, you're not alone.

    In this episode of Money For Life, we cut through the noise to give you a clear-headed, data-backed look at what market volatility actually means for your financial plan. We're also sharing what you should (and absolutely should not) do about it.

    Some of this you probably already know: for investors with a sound long-term plan, the best action is often no action at all.

    But that doesn't mean sitting helplessly by.

    You'll learn why true diversification goes far beyond owning the S&P 500, how volatility drag quietly erodes your compounded returns even when your average return looks fine, and why disciplined rebalancing is actually a way of "buying the dip" without ever leaving the market.

    We've also got a compelling case for redirecting your nervous energy: toward Roth conversions, estate planning, cash flow optimization, and other high-impact financial moves that are completely within your control.

    Here's what else we have for you in this episode:

    • Why market timing is a losing game every time
    • The real cost of missing the market's best days (and why they cluster right next to the worst days)
    • What "true diversification" actually looks like (get out of here with your 3-index-fund approach or your S&P500 fund!)
    • How volatility drag reduces your long-term wealth even with the same average return
    • Why you should consider increasing contributions during a downturn, not pulling back
    • The high-impact financial planning moves to make right now instead of stressing about your portfolio
    • How clients with financial plans weather market storms vs. those without

    Don't miss this resource mentioned: Chart on volatility drag from Peter Lazaroff's Making Money

    Ready to create, use, and enjoy money for life? Request a complimentary consultation with us at BYH and discover how to optimize your investments, reduce your tax burden, and grow your wealth: https://beyondyourhammock.com/schedule
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    37 分
  • Angel Investing: How to Bet on the Right Founders, Build Real Wealth, and Vote With Your Dollars with Jess Lynch and FoundersEdge

    Angel Investing: How to Bet on the Right Founders, Build Real Wealth, and Vote With Your Dollars with Jess Lynch and FoundersEdge
    2026/04/13

    How do you start angel investing? Can anyone be an angel investor or is this a world reserved for Silicon Valley insiders and Shark Tank-esque business tycoons?

    Jess Lynch joins us to explain how $2,500 can be your entry ticket into the world of angel investing - and how to deploy those dollars wisely in a high-risk environment. Join us to get the exact frameworks Jess uses to find, vet, and back the founders most likely to win.

    In this episode, Eric asks Jess to pull back the curtain on the private markets and how average investors can start exploring opportunities within them. They give clear guidelines that anyone can use to guide decision-making, from how to size your allocation (4–7% of net worth), to why you should plan for at least 20 investments to manage risk, to what Jess calls her "founder index": 60 standardized questions designed to reduce bias and surface the founders most likely to deliver outsized returns.

    They also tackle one of the most common and emotionally charged situations investors face: what do you do when a friend or family member asks you to back their company?

    Beyond the mechanics, this episode dives into something rarely discussed in personal finance circles: the societal power of angel investing. Less than 2% of venture capital goes to women-led teams — and the conversation around who gets to make those early funding decisions matters deeply for what ends up getting built.

    Whether you've been angel investing curious for years or you're hearing this concept seriously for the first time, this episode gives you the map, the math, and the mindset to decide if this asset class belongs in your financial life.

    Jess Lynch is a forensic accountant turned founder turned investor. Jess recently co-founded a pre-seed VC fund, FoundersEdge, that invests in multi-time founders using AI to transform user experiences, and has built a large network of experienced entrepreneurs to support these new ventures, doing everything she can to help them succeed.

    You can connect with Jess on LinkedIn at https://www.linkedin.com/in/jessicallynch. Learn more about FoundersEdge at https://www.foundersedge.com

    Ready to create, use, and enjoy money for life? Request a complimentary consultation with us at BYH and discover how to optimize your investments, reduce your tax burden, and grow your wealth: https://beyondyourhammock.com/schedule
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    36 分
  • What to Do With Your Money When You Change Jobs

    What to Do With Your Money When You Change Jobs
    2026/03/30
    Most people accept a new job offer thinking about salary and title. What they don't think about: the potential financial gaps that could trip you up in the process of changing jobs or making a career pivot (even if you accepted a job with more starting salary). Eric and Kali break down everything that is likely to shift with your finances when you change jobs. They cover what often goes wrong that most people never consider, including: The tricky tax trap if you put your new 401(k) on autopilot and don't calculate what you're actually allowed to contribute for the year - because whatever you put into your old 401(k) before you switched jobs counts toward the max!Why you may have to pay back HSA contributions you already made if you change jobsWhat to watch out for in ambiguous offer letters that make promises of equity compensation… but don't actually include real guarantees.How group life insurance through your employer can actually be more expensive than a private term policy once you need significant coverage, not less In this episode, we're explaining how you can be better prepared to fill all the financial gaps that a career pivot can leave (yes, even when you're changing jobs for a better-paying position). Instead of just focusing on top-line numbers like base salary, we're coaching you on how to deal with: Health insurance gaps, COBRA, and how a job change is a qualifying life event you can use strategicallyThe four things you can do with an old 401(k), and why the "right" answer is genuinely different for every person (including some of the decision tree we use to guide our financial planning clients) Why rolling your old 401(k) into an IRA can blow up your backdoor Roth IRA strategyHow to read a job offer letter like a financial planner: total comp, bonus probability, equity type, and what's actually negotiableWhat your real financial runway looks like if there's a gap between jobs, and how to calculate it KEY TAKEAWAYS Changing jobs can create financial planning gaps - but you can cover them if you know where to look. When you change jobs, you need to consider how your health insurance will change, if you have sufficient life and disability insurance, what kind of runway you have if you're looking to take a break between jobs (or if you experienced a layoff), and what to do with things like old 401(k) plans or HSAs. A job change is a qualifying life event for health insurance changes. If you change jobs, or lose your current job, you have 30 days to elect new coverage. While many people think of COBRA when laid off, don't forget to consider switching to a spouse or partner's plan. When changing jobs, always compare the new employer's benefits to your spouse's so you can choose which option is best for your household. Look at the full value of the compensation package if offered a new job. Salary is just the starting point. Bonus probability, benefits costs, and equity type all affect your real take-home pay. Read the benefits guide before you accept the offer, not after. Most people don't ask for it upfront, but it's fair game to request. Knowing what you're gaining and losing on insurance, retirement matching, and other perks before you sign gives you information, and possibly leverage in negotiations. Group life insurance isn't always the deal people assume it is. Once you add supplemental coverage to get to a meaningful benefit level, group premiums can actually cost more than a private level-term policy. Plus, group policies often don't travel with you, can be more expensive than private coverage at higher benefit levels, and may lack important riders like cost-of-living adjustments. Take the free base coverage from an employer when offered, but then consider getting private term life and private long-term disability insurance so you're protected regardless of who employs you or what their benefits package looks like. Be very careful with new 401(k) plans when setting up withholding amounts when you change jobs midyear. Your new employer's 401(k) has no idea what you already contributed this year. The IRS limit is per person, not per plan… and you're the only one tracking that when you switch jobs. Blow past the limit mid-year job change and you're looking at a paperwork headache to reverse it. Know the rules around HSAs, too Your HSA is more flexible than your 401(k), but mid-year plan changes can create tricky contribution rules. If you switch to or from a high-deductible plan, know the rules before you max out. Don't just leave your old 401(k) behind You have four options for an old 401(k): leave it, cash it out (usually a bad idea), roll it into your new employer's plan, or roll it into an IRA. The right answer depends on investment options, costs, and whether you use a backdoor Roth IRA strategy. Cash reserves are your runway. A 6+ month emergency fund gives you the breathing room to make a career transition on your own terms — or weather an unexpected layoff without ...
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    45 分
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