Real Personal Finance By cover art

Real Personal Finance

By: Scott Frank and James Conole
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  • Summary

  • Your REAL personal finance questions answered by CERTIFIED FINANCIAL PLANNER™ professionals, Scott Frank and James Conole. 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. James and Scott 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.
    © 2023 Real Personal Finance
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Episodes
  • Final Episode - How To Stay In Touch With Us!

    Final Episode - How To Stay In Touch With Us!
    Mar 1 2023

    Scott and James thank all of the fans for years of support for listening to the podcast and review where you can find them if you're looking for customized advice when it comes to maximizing your finances. 

    LET'S CONNECT!

    James

    YouTube | Website | Podcast

    Scott

    Facebook | Twitter | Website
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    6 mins
  • How to Balance a Home Purchase with Saving for Retirement?

    How to Balance a Home Purchase with Saving for Retirement?
    Feb 22 2023

    Scott and James discuss how to balance a home purchase with saving for retirement.

    Listener Question:

    We want to stay in manhattan and want to be home owners but can’t make the math work. Our current rental 2 bed 2 bath just went up to $4400/mo. A comparable condo would sell around $1.3-$1.5m. That would put the mortgage at around $7,000 with another $2,000-$3,000 in maintainable and taxes a month. Rent does keep increasing and I don’t want to keep getting squeezed but does buying in Manhattan just not make sense? 

    Planning Points Discussed

    • Utilizing Time Efficiently
    • Capital Appreciation
    • Purchasing Power
    • Other issues (IRAs, Inflation, Financial Goals, etc.)

    Timestamps:

    2:30 - Priorities

    5:25 - Various Goals 

    8:12 - Life & Math Don't Always Match

    11:15 - Investment Concerns

    12:30 - How Much Home Can You Afford?

    16:05 - Aligning Your Financial Goals

    LET'S CONNECT!

    James

    YouTube LinkedIn Website

    Scott

    Facebook Twitter Website
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    15 mins
  • What Should You Do If You Make Too Much To Contribute To a Roth IRA?

    What Should You Do If You Make Too Much To Contribute To a Roth IRA?
    Feb 15 2023

    Scott and James discuss what to do if you make too much to contribute to a Roth IRA.

    Listener Question:

    I am currently 33 years old, single, and am nearing a $129,000 annual salary. I have been investing in a Roth IRA and realize the phaseout limits for single taxpayers are from $129k - $144k. My question is, how do I lower my income, besides contributing to my traditional 401k, so I can keep contributing the max $6000/year into my Roth IRA as my income rises over the years?

    Planning Points Discussed:

    • Utilizing Time Efficiently
    • Capital Appreciation
    • Purchasing Power
    • Other issues (IRAs, Inflation, Financial Goals, etc.)

    Timestamps:

    2:30 - Introduction

    6:17 - Phaseouts

    8:13 - Roth IRAs

    11:05 - Aligning Your Financial Goals

    LET'S CONNECT!

    James

    YouTube LinkedIn Website

    Scott

    Facebook Twitter Website
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    13 mins
Leadership Economics Personal Finance
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Profile Image for C.L.

My favorite personal finance podcast

It’s a quick and concise podcast in Q&A format that answers one question per episode. I like that it’s for people who has a foundation of personal finance but want to deep dive into a particular topic. It’s short and detailed, with no BS and time wasted. Highly recommend for anyone who doesn’t want to listen to Dave Ramsey.

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