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Saving With Steve with Steve Sexton

Saving With Steve with Steve Sexton

著者： Steven M. Sexton
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The Save With Steve Show, hosted by Steve Sexton will help you with ins and outs of money. We talk about financial issues that that could be costing you thousands of dollars and keeping you up at night. We talk about “money”… tax reduction, saving more, how to spending less and get more, 401k’s, risk management, retirement, and everything under the sun that relates to you having a healthier happier relationship with money.Copyright 2026 Steve Sexton 個人ファイナンス 経済学
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  • Saving with Steve, September 29, 2026

    Saving with Steve, September 29, 2026
    2026/09/30
    Saving With Steve with Steve Sexton Holiday Budgets, Debt Consolidation, and Bankruptcy Basics with Ashley Morgan Steve Sexton talks with bankruptcy and tax-resolution attorney Ashley Morgan about building a realistic holiday budget, avoiding debt-consolidation and settlement traps, and knowing when Chapter 7 or Chapter 13 bankruptcy makes sense, before closing solo with a warning about rising global bond yields and inflation. Welcoming Ashley Morgan For Year-End Planning Steve Sexton opens the show by thanking his growing audience, noting the program now reaches well over a million listeners in the United States and more than 300,000 overseas, before turning to the topic of year-end planning ahead of the holidays. He introduces Ashley Morgan, founder of Ashley Morgan Law, a consumer bankruptcy and tax resolution firm serving the Washington, D.C. metro area, whose commentary on consumer debt has appeared in Fortune, Newsweek and MarketWatch. Morgan explains that she fell into bankruptcy work almost by accident, taking a job with a boss who ran a consumer bankruptcy and federal criminal defense practice fresh out of law school. She loved the work enough to keep doing it after he became a judge, building her own practice over nearly eight years. She tells Sexton the field rewards her because, unlike drafting a will, she gets to watch clients actually experience relief from crushing debt through payment plans or settlements. Building A Realistic Holiday Budget Sexton asks Morgan how listeners should build a holiday budget as September gives way to Halloween, Thanksgiving and Christmas. Morgan tells him budgeting scares people because they assume it means restriction, but the real goal is intention: deciding what matters, such as flying home to family, and working backward to find the money, whether by cutting other expenses or picking up extra work. She stresses that most people underestimate their own everyday spending on rent, food and utilities, so building a holiday budget requires first knowing the baseline. Sexton shares a listener's story about discovering a daily six-dollar Coffee Bean habit, taken twice a day, added up to 320 dollars a month, more than her car payment. Morgan says there is nothing wrong with prioritizing coffee, so long as the spender is intentional and adjusts elsewhere, whether by cooking at home, carpooling to save on gas, or reviewing recurring subscriptions and insurance policies that quietly drain money every month. Sinking Funds And The Year-End Financial Checkup Morgan urges listeners to start budgeting for holiday spending as early as January, setting aside roughly 160 dollars a month toward a 2,000 dollar Christmas fund rather than relying on credit cards, and to buy gifts early while watching for sales and coupon codes instead of waiting for inflated December discounts. She recommends sinking funds for periodic expenses and suggests people paid biweekly bank an extra paycheck during the two months a year that produce three paychecks. Sexton recalls Jenny from Ohio, whose family saved 350 dollars a month simply by swapping which spouse drove the gas-guzzling truck. Turning to the broader year-end checkup, Morgan tells listeners now is the time to maximize 401k and IRA contributions, use remaining health savings account funds, and catch up on estimated tax payments before April. On debt payoff, she describes an internal six-month rule: if balances have not moved after six months of the snowball or avalanche method, the plan needs rethinking. Debt Consolidation, HELOCs And Settlement Risk Sexton asks Morgan to explain debt consolidation heading into the new year's debt hangover. Morgan distinguishes true consolidation, where credit card balances are rolled into one loan such as a home equity line of credit, or HELOC, from debt settlement programs, where a company collects payments into an escrow-like reserve and later negotiates with creditors. She warns that consolidation only works with discipline, since reopened credit cards can leave someone with both a new loan and fresh balances. On settlement, she cautions that creditors are never obligated to accept an offer, and a rejected settlement can lead to a lawsuit, wage garnishment, bank garnishment or a real estate lien lasting five to sixty years depending on the state. Sexton walks through an example of a 20,000 dollar balance settled for 10,000, which Morgan says triggers a 1099-C for forgiven debt that becomes taxable income unless the borrower can prove insolvency, a detail she says settlement companies rarely emphasize. Chapter 7 And Chapter 13 Bankruptcy Explained With the holidays over and cards maxed out, Sexton asks Morgan when bankruptcy or restructuring makes sense. Morgan explains Chapter 7 as a liquidation bankruptcy that still lets roughly 95 percent of filers keep their assets, since exemptions like Virginia's roughly 50,000-dollar homestead protect equity, though limits vary sharply by state. Chapter 13,...
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    51 分
  • Saving with Steve, October 6, 2026

    Saving with Steve, October 6, 2026
    2026/10/07
    Saving With Steve with Steve Sexton Year-End Money Moves, Savings Benchmarks and Life Insurance Basics with Peter Colis Steve Sexton talks with Peter Colis, CEO and co-founder of Ethos, about year-end holiday spending, savings benchmarks and how term and permanent life insurance differ, before closing with a solo segment on Social Security timing and bond risk for retirees. Welcoming Peter Colis For Year-End Planning Steve Sexton opens the episode by thanking his listeners and turning to the year-end planning season, which he says arrives quickly. He asks what families should be doing before the holidays to protect one another, and introduces his guest, Peter Colis, CEO and co-founder of Ethos, a life insurance technology company. Sexton describes Ethos as replacing the traditional week-long, medical-heavy application process with a faster online one, and notes that Colis is also a member of the Forbes Financial Council. Colis explains that his interest comes from a belief that family financial security depends on life insurance, which he calls a cornerstone of a family's plan. He says his team saw a chance to make buying coverage simpler and more approachable. Sexton recalls his own experience of a medical exam at his home, with blood work and a long list of questions, and says a simpler process would be welcome. Colis replies that the company has spent about ten years automating the process and says it has protected more than 800,000 families so far. Silent Costs Behind the Holiday Budget Colis tells Sexton that the holiday season tends to expose spending that people never planned for, and he urges listeners to set a strict total limit before the promotions begin. Spending often creeps up in December even when budgets were careful through October, so anchoring to a number early matters. He lists the silent costs that catch families off guard: hosting, peak-season flights, gas for road trips, airport parking, groceries for big dinners, party outfits, wrapping paper, greeting cards and postage, and year-end tipping for the people who help run daily life. Sexton adds that a holiday meal for ten or twelve people can reach several hundred dollars, and that hotels become necessary when relatives' homes are full. He recalls a viewer named Veronica in Texas, who said she never realized how much she spent. Colis also points to timing, noting that shopping now clusters in October and November around Black Friday and Cyber Monday, and that waiting too long can mean missing inventory. Q4 Savings Checks and Debt Payoff Targets Colis suggests treating the fourth quarter as a checkpoint, a time to ask whether the family is saving according to its plan and whether expenses fit that plan, especially before New Year's resolutions take shape. He advises reviewing what a financial advisor recommended during the year and checking the hidden fees inside investments, such as high-fee, loaded mutual funds. On debt, he recommends listing every balance with its interest rate, considering a lower-cost promotional card or refinancing, and setting a fourth-quarter payoff target for the most expensive balances. He shares savings benchmarks he attributes to published Fidelity guidelines based on gross salary: one times by age 30 to 35, two times by 35 to 40, three times by 40, six times by 50, eight times by 60 and ten times by 67. He describes the order of priorities as an emergency fund of three to six months of spending in a liquid account, capturing the full employer 401(k) match, and then paying down debt with rates above about 7 percent before expanding discretionary savings. Employer Coverage and Choosing Term Life Open enrollment, Colis says, is a good moment to review whether the family's health plan still fits, including changes such as a new child or a new health need, and to look at dental and vision coverage. He turns to employer-provided life insurance, which he says typically covers less than one times salary, commonly $25,000 or $50,000. He urges people to ask what their family would face without their income, noting costs such as the mortgage or rent, college tuition and debt, and suggests a common guideline of about ten times annual income. Colis explains that employer policies usually end when someone leaves the job, and he separates individual coverage into two main categories. He describes term life as covering a fixed period, typically 10 to 30 years, which he says fits the years when children depend on a household income and debts remain. Permanent coverage such as whole or universal life lasts a lifetime, costs significantly more, and builds a cash component. He says term fits about 95 percent of people. Applying Online and Becoming an Agent Colis describes the buying process as an online application that asks about personal life and health, followed by an instant approved offer that can be checked out and put in force, taking about ten minutes on average. Sexton compares that with his own experience of a ...
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    44 分
  • Saving With Steve, September 1, 2026

    Saving With Steve, September 1, 2026
    2026/09/01
    Ep298, Leah Hadley, Emotional And Financial Complexities Of Divorceeeting Divorce, Money, and the Next Chapter: Building Financial Clarity Through Life’s Biggest Transition Divorce as an Emotional and Financial Turning Point Steve Sexton introduces divorce as a major life event with both emotional and financial consequences and welcomes Leah Hadley to discuss how people can navigate the transition with greater clarity. Leah explains that her interest in this work is rooted in both her childhood experience with her parents' divorce and her own divorce later in life. Although she was already a financial professional, she says the experience showed her how overwhelming financial decisions can become when someone's personal life feels as though it is unraveling. She emphasizes that professional expertise does not eliminate grief, fear, anger, or uncertainty. That realization ultimately motivated her to focus on supporting families through the divorce process. Managing Communication, Children, and Family Relationships Leah explains that spouses often enter the divorce process on very different emotional timelines, especially when one person has been considering divorce for months or years while the other is just receiving the news. She encourages couples counseling even when reconciliation is not the goal, because stronger communication skills can help people move through the next stage more constructively. The conversation also addresses protecting children's relationships with both parents and avoiding unnecessary negative comments about the other parent. Leah recommends being honest with extended family while limiting the amount of personal detail shared. She warns that outside opinions can add noise, intensify conflict, and make it harder for people to make grounded decisions for themselves and their immediate families. Rebuilding the Financial Foundation After Divorce The discussion turns to the financial reality of supporting two households after a separation. Leah says people who were already spending beyond their means before divorce are likely to face the greatest difficulty, while households that lived below their means and maintained savings may have more flexibility. She describes divorce as potentially one of the largest financial transactions a person will experience and urges people to think beyond immediate discomfort when negotiating assets. Instead of trying to preserve every part of the old lifestyle, she recommends identifying what truly matters and building a new budget around the life a person wants to create. By putting fears and unanswered questions on paper, she says people can replace vague anxiety with specific financial questions that can be addressed through planning. Choosing Attorneys and Handling High-Conflict Situations Leah explains that divorce cases can involve collaborative divorce, cooperative approaches, mediation, or litigation, and that the right attorney depends on the type and complexity of the case. She recommends asking attorneys about their experience, how many cases go to trial, whether they support mediation, whether they are trained mediators, and how responsive they are to clients. She also stresses the value of referrals from professionals who have already worked with particular attorneys. In higher-conflict cases, including situations involving possible financial abuse or other forms of abuse, Leah says physical safety must come before financial planning. She notes that anger and grief can cause people to behave at their worst during divorce and says divorce coaches can be especially useful for keeping communication focused and limited to what is necessary. Financial Advisors, Neutral Analysis, and Post-Divorce Support When discussing whether someone should keep the same financial advisor after divorce, Leah recommends focusing first on the settlement rather than making an immediate advisor change. She says an independent Certified Divorce Financial Analyst can provide divorce-specific analysis as either an advocate for one party or a neutral working with both parties. In a neutral role, she explains that she first learns what matters to each person, then works with both parties on financial analysis aimed at producing a reasonable settlement while minimizing taxes and administrative costs. After divorce, she recommends choosing financial professionals whose experience matches the client's circumstances and whose communication style feels supportive. She also emphasizes financial literacy and confidence, explaining that some clients want to learn to manage their own money while others prefer a more hands-off advisory relationship. Intentional Money and Preparing for Financial Uncertainty Leah closes the interview by describing her Intentional Money Method, which she says is organized around six pillars: clarity, values, mindset, strategy, action, and support. She argues that financial strategy works best when people first understand what matters to them,...
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    50 分
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