Should I Invest In Crypto, Or Sit It Out?

Crypto might be everywhere right now, but that doesn’t mean it fits your plan by default. We dig into the real question people are asking: should you invest or sit it out? Jason Taylor, CFP and creator of MyPocketFP separates hype from strategy, unpack key risks that don’t show up on price charts, and share simple ways to approach crypto without blowing up your budget.

We start by challenging the “easy money” myth and explaining how crypto differs from stocks and bonds. Stocks tie to businesses that produce cash flow; crypto—especially Bitcoin—behaves more like a currency-like asset driven by network belief and scarcity. That distinction shapes expectations for returns, risk, and the role crypto can play alongside your core holdings. From there, we talk custody: exchange failures, hacks, lost keys, and why platform choice matters as much as the coin itself. If you can’t clearly explain where your crypto lives and how you’d recover it, you’re taking risks you may not realize you’re taking.

Looking for a practical entry point? We cover how ETFs can simplify exposure, make cashing out easier, and reduce operational headaches for smaller allocations. Jason lays out a clean rule of thumb: treat speculative positions like Vegas bets—money you don’t need now and won’t miss if it goes to zero. We touch on manias and cycles—tulips, beanie babies, and what happens when people who never invest suddenly want in—and we end with the quiet powerhouse of a real plan: diversification. Keep your core in broad, low-cost funds, size crypto modestly if it belongs at all, and use rebalancing to keep risk in check as markets move.

Want a portfolio that sleeps well at night while still leaving room for curiosity? Press play, learn how to place smarter bets, and decide whether crypto earns a seat at your table. If you find this helpful, follow the show, share it with a friend who’s crypto-curious, and leave a quick review so more listeners can build better money habits with us.

To learn more about MyPocketFP visit:
https://www.MyPocketFP.com
MyPocketFP

How Can Couples Build A Money Strategy Together?

Ever wish money talks felt calm, clear, and actually productive? We bring a practical blueprint for couples who want fewer fights and more progress: align on joint goals, choose a simple account structure, and set a meeting rhythm that keeps decisions steady even when emotions run hot. No jargon, no lectures—just a system that respects both partners and makes day‑to‑day choices easier.

We start with the cornerstone: shared outcomes you both care about. From there, we map a hybrid setup that blends transparency and independence—joint checking for bills, joint savings for targets, and two personal accounts funded by monthly allowances. That balance creates freedom without secrecy and accountability without micromanagement. We also tackle the classic spender vs saver clash, why “secret” stashes can be healthy if they come from agreed allowances, and how to avoid traps like hiding money while carrying credit card debt.

Mindset shapes money more than math, so we get personal about upbringing, fear, and trigger words. If hearing budget shuts you down, try reframing the language around plan and priorities. We share a simple template for quarterly money meetings and the key topics to cover: progress on goals, current balances, upcoming expenses, and tradeoffs. You’ll hear how to normalize conversations about credit scores and debt before merging, align on big purchases, and use “money languages” to understand what safety and success look like to each person. Walk away with practical scripts and structures you can try tonight.

If this helped, follow the show, share it with your partner, and leave a quick review so more couples can build a calmer money life. Ready to put it into action? Download the MyPocketFP app and start your first joint planning session today.

To learn more about MyPocketFP visit:
https://www.MyPocketFP.com
MyPocketFP

When Should I Call In A Financial Advisor Vs. Using An App?

Your money deserves more than generic advice, and we’re here to prove it. We dive into the messy, human side of financial decisions—where benefits are uneven, taxes shift with every life change, and confidence comes from clarity, not complexity. With Jason Taylor, CFP and creator of MyPocketFP, we explore how to blend the speed of modern finance apps with the judgment of real planning so you can stop guessing and start moving.

We pull apart the myth that financial advisors are only for the wealthy and outline the real scope of planning beyond investments: cash flow, debt strategy, tax awareness, benefits elections, insurance needs, retirement paths, education planning, and estate basics. Jason shares why life triggers—your first paycheck, a major raise, switching from W-2 to contractor, or welcoming a child—are the moments when human advice can save time, money, and stress. We talk about the power of plain English (and even a finance coloring book) to replace jargon with understanding, so you can make choices you’ll actually stick with.

You’ll hear where algorithms shine and where they fall short, especially around assumptions that don’t match your reality. We lay out a simple framework to measure value—consistent savings growth, smarter tax moves, reduced borrowing costs, and calm decision-making through market noise—and why accountability from a real person can be the difference between intentions and progress. If you’ve wondered when to rely on an app and when to call a pro, this conversation gives you a practical, modern blueprint.

Subscribe for more clear, human-centered financial guidance, share this episode with a friend who just got a new job or raise, and leave a review to help others find the show. Ready to put a planner in your pocket? Visit mypocketfp.com and get the app today.

To learn more about MyPocketFP visit:
https://www.MyPocketFP.com
MyPocketFP

How Should I Budget For Irregular Income?

Money that shows up in waves doesn’t have to create a life lived on edge. We break down a steady, practical system for freelancers, gig workers, and commission-based pros to turn unpredictable income into a clear plan. Starting with your real monthly floor, we show how to map baseline expenses from a few months of statements, then size an emergency runway around your actual gap between gigs. You’ll learn how to use strong months to prepay lumpy bills, lower your monthly burn, and stash surplus in a side account so you don’t see it—and don’t spend it.

We also compare budgeting tools and explain why hands-on beats hands-off when your income fluctuates. A weekly money date, simple categories, and honest reconciliation build awareness that apps alone can’t teach. We cover practical anchors like keeping housing under control even in tight markets, setting aside taxes at the source if you’re 1099, and using a simple order of operations for surplus: taxes and runway first, lumpy expenses next, then investments, and only then lifestyle upgrades. The goal is a calm, repeatable process that works when income spikes and when it stalls.

Mindset makes it stick. We connect spending to core values so your choices feel meaningful, not restrictive. Short, reachable goals beat vague dreams, and visual cues—like placing a photo of your target on your card—help you pause before a swipe. If you’re tired of moving the goalposts on your budget, this conversation gives you a playbook: fixed baselines, flexible choices, and cues that keep you on track without white-knuckling it.

If this helped you breathe a little easier about your money, follow the show, share it with a friend who rides the income roller coaster, and leave a quick review so more listeners can find these tools.

To learn more about MyPocketFP visit:
https://www.MyPocketFP.com
MyPocketFP

What Are The 11 Financial Vitals And Why Do They Matter?

What if understanding your financial health was as straightforward as checking your pulse? In this eye-opening episode, certified financial planner Jason Taylor breaks down the concept of "financial vital signs" – eleven key measurements that reveal the true state of your monetary wellbeing.

Jason introduces us to the "Core Four" measurements that form the foundation of financial assessment: your effective tax rate (which most people don't actually know), insurance coverage adequacy (which changes year by year), burn rate (how much you spend compared to what you earn), and savings rate (how much you're setting aside for the future). These fundamental indicators provide immediate insight into your financial situation and serve as starting points for meaningful improvement.

Rather than overwhelming listeners with the need to perfect all eleven measurements simultaneously, Jason advocates for a more sustainable approach: focusing on making small, incremental improvements to one or two vital signs at a time. This methodology lies at the heart of the MyPocketFP app, which presents these complex financial indicators in a simple, color-coded format that anyone can understand at a glance. The goal isn't perfection but progress – moving your savings rate from 0% to 1%, then 2%, and beyond, creating momentum that builds toward financial freedom.

Particularly interesting is Jason's insight that insurance coverage tends to be the most overlooked vital sign, with many people selecting the lowest-cost option without regular reassessment. By shopping insurance rates annually, significant savings can often be found – illustrating how attention to often-ignored details can yield substantial financial benefits. Whether you're just starting your financial journey or looking to optimize an already solid foundation, these eleven vital signs provide a roadmap to monetary health that's actually manageable. Download the MyPocketFP app today and transform how you track, understand, and improve your financial wellbeing.

To learn more about MyPocketFP visit:
https://www.MyPocketFP.com
MyPocketFP

What Does “Pocket-sized” Financial Planning Really Mean?

Ever wondered what your financial vital signs would look like? Just as doctors monitor your heart rate and blood pressure, certified financial planner Jason Taylor has created an innovative system that tracks the pulse of your money through a pocket-sized app. Gone are the days of intimidating binders and complex spreadsheets – financial planning now fits comfortably in your pocket and actually makes sense.

The MyPocketFP approach transforms abstract financial concepts into measurable indicators anyone can understand. By checking these vitals weekly, users witness their progress in real-time, creating powerful motivation through visible results. Imagine the satisfaction of watching your debt percentage steadily decrease or your retirement savings consistently grow! This visual feedback creates psychological incentives to maintain positive financial behaviors without the overwhelm of traditional methods.

What makes this system truly revolutionary is its tiered approach to personalization. Starting with essential cash flow planning (deliberately avoiding the trauma-inducing word "budget"), the platform scales to match your financial complexity. The base level handles fundamentals like W-4 completion and 401(k) setup, while advanced tiers offer sophisticated tax planning and business strategies. This hybrid system balances automated calculations with personalized guidance, providing comprehensive coverage across taxes, insurance, retirement, and investments. While perfect for routine financial decisions, Jason honestly acknowledges that major life transitions still benefit from professional input – a refreshing perspective in today's tech-focused world.

Ready to transform your relationship with money? Download the MyPocketFP app today and discover how small monthly changes can create massive positive shifts in your financial endgame. Your financial planner is now officially pocket-sized and doesn't charge by the hour!

To learn more about MyPocketFP visit:
https://www.MyPocketFP.com
MyPocketFP

Meet the Host: Certified Financial Planner, Jason Taylor

Ever wondered what happens when a third-generation accountant decides the financial planning industry isn't serving enough people? Meet Jason Taylor, the founder of MyPocketFP, who's on a mission to revolutionize how we access financial guidance.

After 25 years in the financial world, Jason noticed a troubling pattern: quality financial planning remained inaccessible to many Americans, particularly younger people and those without significant assets. Traditional models charging 1% of assets under management simply price out those who might need guidance the most. Drawing from his background in accounting and tax preparation, Jason created MyPocketFP to bridge this gap.

What makes MyPocketFP different is its focus on accessibility without sacrificing expertise. Unlike generic advice from Google searches or AI tools, MyPocketFP delivers personalized financial guidance at an affordable price point. Currently being beta-tested with existing clients, the platform has received positive feedback for its visual measurements and convenience. As Jason explains, "Young couples need an early start with financial help from professionals, not just AI and Google answers that aren't specific to their needs." While the initial setup requires some effort, ongoing use is streamlined and intuitive.

When he's not disrupting the financial planning industry, Jason embodies the Colorado lifestyle—hiking, biking, fishing, and cheering on his daughters at soccer fields and volleyball courts. His approach to business mirrors his approach to life: practical, straightforward, and focused on what truly matters.

Ready to put a financial planner in your pocket? Visit MyPocketFP.com today.

To learn more about MyPocketFP visit:
https://www.MyPocketFP.com
MyPocketFP