In the last episode (159), Chad and I discussed getting started with credit. It's best if you can save and pay cash, but if you need to finance, you'll want good credit! Chad's back as we look at tips to build and maintain good credit.

6 Keys to Financial Independence

Debt isn't ideal, but it's often necessary. And your rates depend on your credit score. Chad's with me in this episode as we look at how to get started in establishing and building credit responsibly. We're starting with the basics and in the next episode, we'll go into more detail!

6 Keys to Financial Independence

Friends and clients sometimes ask about an investment idea and I'll ask, "Is it a speculative investment?" Most don't know what that means! Brandon's on board in this episode as we clarify what speculative investment means, and when they might be okay for you.

6 Keys to Financial Independence

Have you ever heard an "old wives' tale" or urban legend and thought to yourself: I can't believe people actually think that's true! In the financial planning world, we've got some myths that Brian and I are going to dispel in this episode. And you won't have to worry about running into bigfoot on the path to true financial independence!

6 Keys to Financial Independence

Vacations are meant to help you reset and recharge, taking a break from the day-to-day. So what about a financial vacation? Chad's joining me in this episode as we look at ways to take a step back in order to bring your financial independence into focus.

6 Keys to Financial Independence

I don't know about you, but I'm super pale and if I'm not prepared, the sun will burn me to a crisp. And if you get burned bad enough, you're certainly hesitant to repeat the process. We frequently hear stories from people who have been burned financially. Fortunately, Brandon brought the sunscreen and beach umbrella this week as we learned that while we can't avoid risk in the market, there are ways to manage that risk.

6 Keys to Financial Independence

It's been a "hot minute" since I graduated college and entered the workforce, so that's why I've got Alec with me today! We're looking at ways you can set yourself up for financial independence even though you're just getting started.

6 Keys to Financial Independence

Teresa. Chad. Ask us anything! We've your questions on deck for this episode: Should I start my 401k in a Roth or pre-tax if my employer offers both? If I'm investing in my 401k and HSA, what am I missing by skipping the IRA? How should a 21-year-old who's starting to invest manage risk?

If you've got questions of your own, send them to me at show@getreadyforthefuture.com!

And don’t forget to check out 6 Keys to Financial Independence!