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Real Personal Finance

Real Personal Finance

著者: Scott Frank
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Your REAL personal finance questions answered by CERTIFIED FINANCIAL PLANNER™ professionals, Scott Frank and Nick Covyeau. With all of the misinformation and jargon in the financial industry, it's no wonder most people are confused about how to best manage their money. Scott and Nick are here to give clear answers to the important questions they hear most often. If you're ready to use your finances to create a more secure financial future, this show is for you.

© 2025 Real Personal Finance
マネジメント・リーダーシップ リーダーシップ 個人ファイナンス 経済学
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  • The Good, the Bad, and the Ugly of the OBBBA
    2025/08/01

    With the OBBBA now signed into law, we’re sitting down to walk through the good, the bad, and the ugly. The biggest takeaway is that the new bill has opened the door to some great tax planning opportunities, but you have to act soon! Most of the OBBBA’s changes expire in four years, so you have a little time and space to consider doing a Roth conversion or realize some capital gains.

    We explore the impact on tax rates, estate and gift tax, deductions, tax credits, and more. After that, we dive into how Congress will pay for the OBBBA, which I guess you could say is where things go from “good” to “bad” – or even “ugly.”

    Ready to learn more?

    • Scott Frank on LinkedIn
    • Stone Steps Financial
    • Nick Covyeau on LinkedIn
    • Swell Financial Partners

    Leave us a question!

    Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial Partners.

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    21 分
  • Am I Behind? Rethinking Retirement Catch-Up Strategies
    2025/07/17

    Do you ever feel like you're behind on retirement? A 41-year-old listener with over $230,000 saved and a 50%+ savings rate, certainly did. In this episode, we explain why starting late doesn't mean finishing last, especially when you're making such incredible strides! We dive into the numbers, the idea of being "behind" and the importance of the right mindset during this prep-for-retirement journey.

    You will hear a little debate about Roth versus traditional 401(k), how your tax bracket should guide your choices, and why leaning too heavily on dividend funds might hold back your growth in the long term. After listening, you will have a question stuck in your head: “Is that intense saving strategy keeping me from living today?”

    Key takeaways:

    • You can make huge progress even if you start “late”
    • Mindset matters almost as much as numbers
    • Choosing between Roth and traditional 401(k) contributions
    • Dividend investing might not be the best strategy

    Ready to learn more?

    • Scott Frank on LinkedIn
    • Stone Steps Financial
    • Nick Covyeau on LinkedIn
    • Swell Financial Partners

    Leave us a question!

    Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial Partners.

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    30 分
  • Are You Saving Money in the Right Order?
    2025/07/03

    We all know we should probably save some more, but when we pass the piggy bank phase and have larger amounts of money, things get a little more complicated than just dropping some coins every once in a while. In this episode of Real Personal Finance, Scott and Nick get into a little detail that most people skip: “where” and “how” matter as much as “how much” when it comes to saving.

    Key takeaways:

    • The emergency fund is not optional; it’s the foundation of saving
    • The 401K match is free money you shouldn't leave behind
    • Sequence matters: there’s a smart way to allocate money

    Ready to learn more?

    • Scott Frank on LinkedIn
    • Stone Steps Financial
    • Nick Covyeau on LinkedIn
    • Swell Financial Partners

    Leave us a question!

    Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial Partners.

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    26 分
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