Кращі подкасти про Income Earners (2025)

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What Financial Issues Should You Consider When Going Through a Divorce | Sabreena Barboza - E30 54:22

12 днів тому54:22

54:22

Michael and Brady sit down with powerhouse family law attorney Sabreena Barboza to uncover the often-overlooked financial consequences of separation. From understanding the difference between marital and separate property to navigating business valuations, debt division, child support, and alimony, this conversation is a must-listen for anyone faci…

1
You Make Good Money… So Why Don’t You Feel Wealthy? - E29 35:12

26 днів тому35:12

35:12

What does it really mean to feel wealthy? Michael and Brady dive into the emotional side of money, exploring why so many high earners still feel financially insecure despite their income and assets. Sparked by Charles Schwab’s latest Modern Wealth Report, the hosts unpack the surprising disconnect between being rich and feeling wealthy, challenge t…

1
You’re Making Money—Now What? Smart Money Moves for Residents & Doctors - E28 51:53

рік тому51:53

51:53

Michael and Brady break down the essential financial roadmap every new resident, fellow, or newly attending physician needs. From managing lifestyle creep and student loan strategy to protecting your most valuable asset, your ability to earn, this episode is the guide you wish you had straight out of med school. Whether you're transitioning from me…

1
When Life Throws You a Curveball—Don’t Go Broke - E27 39:27

рік тому39:27

39:27

When life throws an unexpected curveball, job loss, medical crisis, or the AC goes out in the middle of July, will your finances strike out or stand strong? Michael and Brady break down the often-overlooked cornerstone of a resilient financial plan: your emergency fund, or as they call it, your "life events fund." From smart strategies for building…

1
Not Your Grandma's Annuity—Why The New Breed Might Actually Work For You - E26 49:07

рік тому49:07

49:07

Forget everything you thought you knew about annuities. Michael and Brady unpack the modern annuity revolution, how today’s annuities have evolved from the high-fee, complex products of the past into strategic financial tools designed to reduce retirement anxiety and boost income certainty. From personal pensions to market-buffered investment strat…

1
How the Wealthy Use SBLOCs to Borrow Tax-Free Without Selling - E25 31:44

рік тому31:44

31:44

Michael and Brady dive into one of the most misunderstood yet increasingly leveraged financial tools for high earners and investors, the Securities-Backed Line of Credit (SBLOC). Is it a smart strategy to unlock liquidity without triggering taxes, or a risky move that could backfire in volatile markets? Whether you’re navigating emergency funding, …

1
Is Renting a Waste—or Is Homeownership Just Too Expensive? - E24 58:43

рік тому58:43

58:43

Michael and Brady dive headfirst into one of the most debated financial decisions of our time: renting vs. buying. With candid personal stories, professional insight, and a side-by-side breakdown of the emotional and mathematical realities, they unpack what truly makes sense for young professionals, growing families, and everyone caught in the hous…

1
When Math Doesn't Matter: Should You Buy That New Car? - E23 29:26

рік тому29:26

29:26

Michael and Brady confront a challenge many retirees face but few openly talk about: when peace of mind outweighs the numbers on a spreadsheet. Is your aging car a financial liability or an emotional burden? Should you stretch your budget for a reliable vehicle, even if the math says “wait”? Together, Michael and Brady unpack the emotional crossroa…

1
Why Millennials Feel Behind Financially Despite Doing Everything Right - E22 38:06

рік тому38:06

38:06

Michael and Brady dig deep into a paradox affecting a generation: Millennials and Gen Z are planning their finances more than ever, yet still feel financially stuck. If you’ve ever felt like you’re checking all the boxes—budgeting, saving, investing—but still can’t shake the feeling of falling behind, this episode is for you. It’s not just about nu…

1
4 Important Considerations for RSUs Every High Earner Needs to Know - E21 33:53

рік тому33:53

33:53

Are your Restricted Stock Units (RSUs) helping you build wealth—or holding you back? Michael and Brady break down one of the most misunderstood components of a high-income professional’s compensation package: RSUs. From tax implications and diversification strategies to avoiding lifestyle creep and planning with purpose, this episode gives you the …

1
The Roth Opportunity Hiding in the Market Meltdown - E20 28:39

рік тому28:39

28:39

Market corrections can be unsettling, but for savvy investors, they also unlock powerful planning opportunities. In this eye-opening episode, Michael and Brady break down why a down market might be the perfect time to consider a Roth conversion. Learn how converting pre-tax retirement savings to Roth during a downturn can reduce your tax liability …

1
Student Loans: SAVE Plan Lawsuit, Time-Based Forgiveness, and PSLF Buyback Explained - E19 38:40

рік тому38:40

38:40

Michael and Brady dive into the rapidly shifting landscape of federal student loans — and why now is the time to pay attention. From the return of online applications at studentaid.gov to the major legal uncertainty around the SAVE plan, we unpack what borrowers need to do today to stay on track. Whether you're navigating income-driven repayment, t…

1
Should We Fear a Recession? Explaining Market Volatility - E18 30:14

рік тому30:14

30:14

The stock market has been a wild ride lately, and if your emotions are following every twist and turn, you're not alone. Market swings can be nerve-wracking, but staying level-headed is the key to long-term success. In this episode, Michael and Brady break down exactly what market volatility means for your investments, no matter where you are in yo…

1
Are You Really on Track for Retirement? The $7.9M Wake-Up Call | E17 30:37

рік тому30:37

30:37

Retirement—it's the finish line we're all running toward, but how do you know if you're actually on track? Michael and Brady break down the key questions you need to ask yourself, the common pitfalls to avoid, and the real numbers behind what it takes to retire comfortably. Whether you're in your 20s just starting to save, in your 40s navigating pe…

1
Waiting on THIS Could Cost You More Than You Think - E16 37:32

рік тому37:32

37:32

Most young professionals think they’re invincible. They’re healthy, thriving, and focused on building their careers and wealth. The idea of life insurance? It often gets dismissed as an unnecessary expense—something to "deal with later." But what if later never comes? In this episode of Financial Fortitude, hosts Michael Acosta and Brady Hemerly br…

1
How to Make the Most of Your Inheritance & Avoid the Pitfalls - E15 50:01

рік тому50:01

50:01

Michael and Brady delve into the complexities of managing an inheritance. They guide listeners through the steps of handling an inheritance wisely—from understanding what assets are inherited to aligning the windfall with personal financial goals and avoiding common pitfalls. The episode emphasizes the immense $84 trillion wealth transfer expected …

1
What You Don’t Want to Overlook When Buying or Selling Your Business | Justin Sandridge - E14 42:17

рік тому42:17

42:17

Justin Sandridge, an experienced M&A advisor from Murphy Business Sales, discusses the intricacies of buying or selling a business, emphasizing the importance of meticulous planning and professional guidance. Justin shares his insights on key financial, legal, and operational details that business owners should not overlook. The conversation also t…

1
Are You Down with #EWB, Yeah You Know Me! - E13 31:02

рік тому31:02

31:02

Michael and Brady dive into the concept of becoming an Extraordinary Wealth Builder (EWB). They discuss the importance of saving intentionally and breaking down the steps to achieve financial greatness. This episode highlights the personal savings landscape in America, presents a comparison between average savers and EWBs, and offers practical step…

1
Leveraging Good Debt and Avoiding the Rest - E12 56:24

рік тому56:24

56:24

Michael and Brady dive into the intricacies of debt management and its impact on financial well-being. They explore the concept of good debt versus bad debt, discussing common types such as mortgages, student loans, business loans, and consumer debt. The episode emphasizes the importance of using debt as a strategic tool to advance one's financial …

1
Be SMART and Set Financial Goals that Stick in 2025 - E11 44:44

рік тому44:44

44:44

Kick off the New Year by exploring the power of SMART goals—specific, measurable, achievable, relevant, and time-bound—in achieving your financial ambitions for 2025. Michael and Brady provide practical examples and actionable tips to help you stay organized, prioritize effectively, and remain focused despite life’s inevitable distractions. The con…

1
Spending with Purpose: How to Curb Lifestyle Creep - E10 44:03

рік тому44:03

44:03

Michael and Brady discuss the concept of lifestyle inflation, where increased income leads to increased spending, often hindering long-term financial goals. They explore how lifestyle creep happens, how to recognize it, and strategies to spend with purpose. By focusing on aligning spending with what truly matters, they propose a shift towards autom…

1
Roth Conversions: Smart Year-End Strategies to Reduce Your Future Tax Burden - E9 44:43

рік тому44:43

44:43

Michael and Brady delve into the important topic of Roth conversions and their potential to revolutionize your retirement strategy. They provide a comprehensive breakdown of the differences between traditional IRAs and Roth IRAs, explain how Roth conversions work, and discuss the tax implications involved. The segment also covers when it makes sens…

1
Buy-Sell: A Must-Have Legal Agreement to Safeguard Your Business | Shawn Garrett - E8 39:19

рік тому39:19

39:19

Brady and Michael talk with Shawn Garrett, an experienced business law attorney, about the crucial importance of buy-sell agreements in ensuring business continuity and protecting business interests. The discussion delves into scenarios such as death, divorce, disability, disagreement and default that necessitate such agreements, and the significan…

1
When the Math Doesn’t Matter: Rationale and Reasonable - E7 33:15

рік тому33:15

33:15

Life throws us curveballs. From unexpected expenses to sudden health issues, Michael and Brady discuss how such events can disrupt financial plans. They emphasize the importance of making purpose-driven decisions rather than solely relying on math. The episode features a real-life case study of a 44-year-old single individual who faced a major heal…

1
Protecting Your Biggest and Greatest Asset: Understanding Long Term Disability Insurance - E6 37:18

рік тому37:18

37:18

Michael Acosta and Brady Hemmerle discuss the critical importance of long-term disability income protection insurance. They break down what it is, why you need it, and how it can safeguard your financial future when unexpected events occur. Emphasizing the importance of protecting your ability to earn a living, the episode explores various aspects …

1
Who to Trust? Are You Working With the Right Financial Advisor - E5 37:40

рік тому37:40

37:40

Michael and Brady discuss how technology and industry changes have broadened access to financial advice, making it more accessible beyond just wealthy individuals. The episode delves into the challenges of selecting the right financial advisor, examining where Americans currently get their financial advice, and the implications of various advisory …

1
Maximizing Student Loan Forgiveness as a Graduate Student - E4 1:04:38

рік тому1:04:38

1:04:38

Michael and Brady discuss the significant burden of student loans on Americans and delve into current strategies for managing this debt while still achieving personal and financial goals. They explore the misconceptions surrounding student loans, differences between federal and private loans, and the importance of utilizing loan forgiveness program…

1
Open Enrollment Benefits That Do and Don’t Matter - E3 52:49

рік тому52:49

52:49

Michael and Brady provide a comprehensive guide on navigating employee benefits and retirement planning during open enrollment. Key topics include the differentiation of healthcare plans like HMOs and PPOs and the strategic use of Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) to maximize tax advantages. The episode also cover…

1
Don’t Hire a Financial Advisor Until You Hear This - E1 46:02

рік тому46:02

46:02

Brady and Michael introduce themselves and share the vision for their new show, Financial Fortitude. They discuss their personal journeys into the financial industry, the importance of understanding personal motivations ('whys'), and how these elements drive their work with clients. The episode also explores the value of financial advisors, how to …

1
5 Financial To-Dos Before Saying I Do - E2 1:00:16

рік тому1:00:16

1:00:16

Michael and Brady dive into the crucial steps couples should take after getting married. They emphasize the importance of communication, setting joint goals, consolidating finances, checking one's financial immune system, and not being afraid to seek professional help. Drawing from personal and client experiences, they highlight practical strategie…

1
Welcome to Financial Fortitude 2:15

рік тому2:15

2:15

Financial Fortitude is a podcast for high-income earning professionals facing complex financial issues/challenges. Hosted by experienced financial advisors and CFP®s, Michael Acosta and Brady Hemmerle. This show goes beyond stale and generic strategies to provide in-depth advice about high-income earning professionals’ unique situations. Each episo…

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1
Financial Fortitude: Tax, Wealth & Investment Strategies for High Income Earners

Genesis Wealth Planning

1
What Financial Issues Should You Consider When Going Through a Divorce | Sabreena Barboza - E30 54:22

1
You Make Good Money… So Why Don’t You Feel Wealthy? - E29 35:12

1
You’re Making Money—Now What? Smart Money Moves for Residents & Doctors - E28 51:53

1
When Life Throws You a Curveball—Don’t Go Broke - E27 39:27

1
Not Your Grandma's Annuity—Why The New Breed Might Actually Work For You - E26 49:07

1
How the Wealthy Use SBLOCs to Borrow Tax-Free Without Selling - E25 31:44

1
Is Renting a Waste—or Is Homeownership Just Too Expensive? - E24 58:43

1
When Math Doesn't Matter: Should You Buy That New Car? - E23 29:26

1
Why Millennials Feel Behind Financially Despite Doing Everything Right - E22 38:06

1
4 Important Considerations for RSUs Every High Earner Needs to Know - E21 33:53

1
The Roth Opportunity Hiding in the Market Meltdown - E20 28:39

1
Student Loans: SAVE Plan Lawsuit, Time-Based Forgiveness, and PSLF Buyback Explained - E19 38:40

1
Should We Fear a Recession? Explaining Market Volatility - E18 30:14

1
Are You Really on Track for Retirement? The $7.9M Wake-Up Call | E17 30:37

1
Waiting on THIS Could Cost You More Than You Think - E16 37:32

1
How to Make the Most of Your Inheritance & Avoid the Pitfalls - E15 50:01

1
What You Don’t Want to Overlook When Buying or Selling Your Business | Justin Sandridge - E14 42:17

1
Are You Down with #EWB, Yeah You Know Me! - E13 31:02

1
Leveraging Good Debt and Avoiding the Rest - E12 56:24

1
Be SMART and Set Financial Goals that Stick in 2025 - E11 44:44

1
Spending with Purpose: How to Curb Lifestyle Creep - E10 44:03

1
Roth Conversions: Smart Year-End Strategies to Reduce Your Future Tax Burden - E9 44:43

1
Buy-Sell: A Must-Have Legal Agreement to Safeguard Your Business | Shawn Garrett - E8 39:19

1
When the Math Doesn’t Matter: Rationale and Reasonable - E7 33:15

1
Protecting Your Biggest and Greatest Asset: Understanding Long Term Disability Insurance - E6 37:18

1
Who to Trust? Are You Working With the Right Financial Advisor - E5 37:40

1
Maximizing Student Loan Forgiveness as a Graduate Student - E4 1:04:38

1
Open Enrollment Benefits That Do and Don’t Matter - E3 52:49

1
Don’t Hire a Financial Advisor Until You Hear This - E1 46:02

1
5 Financial To-Dos Before Saying I Do - E2 1:00:16

1
Welcome to Financial Fortitude 2:15

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