I'm Hesitant to Invest in Real Estate in a College Town During COVID (Hour 3)
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Debt, Career, Home Selling

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Just a few years before he died, author David Foster Wallace gave a now-famous commencement speech at Kenyon College. Here’s a small snippet of what he said. “There are these two young fish swimming along and they happen to meet an older fish swimming the other way, who nods at them and says ‘Morning, boys. How's the water?’ And the two young fish swim on for a bit, and then eventually one of them looks over at the other and goes ‘What the hell is water?’” Wallace then went on to argue that we tend to live our lives according to values and rules that are hard to see. Similarly, we live in a culture that pushes us to go into debt for everything! It’s the message we are constantly bombarded with - it’s the water we swim in. So on today’s episode we’re going to push back on that line of thought and give the real reasons we should all be striving to avoid debt. During this episode we both enjoyed a EMO-J by Heist Brewery in Charlotte NC. And as we’ve kicked things off with a bang in 2021, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times! Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers
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Is Zillow your friend or foe? Still confused and not sure if you should 'partner' with Zillow? Today's headlines from Inman should help clarify their intentions...Inman Reports: '.... buyer's agents being advertised as 'personal guides' and the site defaulting to agent listings over others'. Translation, Zillow is making it clear what their intentions are for buyers agents and the buyer agent 'commission entitlement' the sellers have traditionally paid. Add to this the fact that Zillow has been testing the market for how little they can co-op on the buyer side. How can you partner with a competitor who intends on replacing you..or at the very least ending your way of doing business? In today's podcast Tim and Julie Harris drill down on what Zillow is actually doing now (and other ibuyer based brokerages) and exactly how this will impact you. Zillow (and others) are perhaps closer than many in the real estate industry believe to totally changing consumer expectations. Consumers may soon assume that your brokerage will offer an option similar to Zillow Offers. What will you do when your local sellers see your listing services as obsolete because Zillow offers what they perceive to be a more end to end solution? And remember, if you haven't completed your 2021 Real Estate Business and Life plan you solution is a text away. Simply text 2021 to 855-685-1045. As always thank you for continuing to make Tim and Julie Harris’ podcast the number one listened to daily podcast for real estate professionals with over 10 million downloads real estate coaching radio is the must listen to daily show for anyone serious about the real estate career. Schedule A Free Coaching CallListen on iTunesListen o
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Retirement Answer Man
Retirement Answer Man
Roger Whitney, CFP®, CIMA®, RMA, CPWA®, AIF®
Retirement Plan Live 2021 - Unexpected Retirement: Counting It Up - Trish’s Resources
Last week in Retirement Plan Live, Trish dreamed up big dreams for her retirement. In this episode, we are going to outline her resources to see if she has the ability to fund those dreams. Organizing your resources is an important step in retirement planning. Listen in to learn how important it is to plan what you want to use your resources for, and let’s see if Trish has what it takes to build her retirement dreams. What is a resource? A resource is a natural source of wealth or revenue. It is also a natural feature that enhances the quality of life. It’s what you do with your resources that matters. If you are listening to this show you are probably over 50 which means that you have spent decades building your resources. You’ve built up all 3 categories of resources -- human capital, social capital, and financial capital. Human capital includes your skillset and reputation. Social capital includes pensions and Social Security. Financial capital doesn’t only include your money, it also includes houses and boats in addition to your retirement accounts. What will you use your resources for? When you look at your resources in retirement you have to ask yourself to what end are all these resources for? What is this money for? In retirement, your resources are meant to be used to express your values through your goals that you live out in the season of retirement. Dying with too much money is poor stewardship. It means that your resources were never harvested to live out your values. Think about what you want to do with your abundance. Be intentional and create the life that you want. Explore the options you have now so that you don’t leave your resources like a neglected crop left to be absorbed back into the earth. What kind of capital does Trish have? In our last episode, Trish dreamed big -- European vacations, a second and maybe 3rd home, a convertible, the works. Now that we’ve got her thinking big, we have to see what she can afford. It’s time to take stock of her resources. Just like you and I, Trish has social capital, human capital, and financial capital. She will collect Social Security when the time comes and would like to use her human capital in some capacity until she is 59. Listen in to hear how I walk her through her balance sheet and organize her resources. Check out the Rock Retirement Club to help you organize your own resources Have you been enjoying Retirement Plan Live? Would you like to have guidance as you organize your resources? In the Rock Retirement Club, we have a Retirement Masterclass that does just that. We walk you through all of this planning with worksheets and trainings and there is even an entire module that helps you organize all of your capital. Check it out at RockRetirementClub.com. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN WHAT DOES THAT MEAN? * [1:30] What is a resource? PRACTICAL PLANNING SEGMENT * [11:02] What kind of social capital does Trish have? * [15:32] Trish plans on using her human capital * [25:35] We organize Trish’s financial capital Q&A WITH NICHOLE * [36:10] How did we do on our words for 2020? * [37:32] Lisa asks how the 4% rule changes if you retire at 55 * [40:35] Should Jackie stop saving in her Roth IRA since her husband got laid off? * [44:53] Can Jim’s mother transfer an IRA to him? TODAY’S SMART SPRINT SEGMENT * [48:43] What is your word for 2021? Resources Mentioned In This Episode BOOK - So Good They Can’t Ignore You by Cal Newport Social Security Detailed Calculator Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement by Roger Whitney Work with Roger Roger’s Retirement Learning Center
53 min
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