The FinancialVerse Podcast with Harry Stout

Quality Time Left - A Financial Mindset Game Changer

Harry N. Stout — Thu, 16 Jun 2022 03:00:00 -0500

In this episode Harry introduces listeners to the financial planning concept of quality time left or QTL. He discusses how financial planning changes when you have limited time, an illness or some other life event. Living your money life intentionally is key to preparing for the uncertainties that life offers.

Earn 9.62% on Your Savings

Harry N. Stout — Tue, 14 Jun 2022 04:15:00 -0500

In this replay episode, Harry introduces you to US government Series I Bonds that pay interest tied to the rate of inflation. These bonds currently offer a 9.62% return through November 2022 . Harry discusses the pros and cons of using these bonds for a portion of your savings.

treasurydirect.gov

Repaying Debt Using the Snowball Method

Harry N. Stout — Thu, 09 Jun 2022 03:00:00 -0500

In this episode Harry answers a subscriber request to explain the Snowball Method of repaying debt, how it works and why it works better for certain households rather than other available methods. In this time of increasing interest rates repaying debt is more important than ever for households.

https://www.financialverse.com/post/using-a-snowball-to-pay-off-your-debts

The $183,780 Life Insurance Coverage Myth

Harry N. Stout — Tue, 07 Jun 2022 03:00:00 -0500

In this episode Harry helps you answer the question - How Much Life Insurance Coverage Do You Need? He discusses what risks and life events you should consider when buying life insurance and why most households do not have enough coverage. Harry advises each household to sit down with a qualified financial professional and take the time to carefully consider their needs.

Episode resources

https://www.financialverse.com/post/303-the-183-780-life-insurance-coverage-myth

Annuities - A North Star in Uncertain Times

Harry N. Stout — Thu, 02 Jun 2022 04:00:00 -0500

In this episode Harry discusses a blog post written by FinancialVerse guest contributor Cary Carney. Cary presents the case of how annuity products can offer safety and guarantees to consumers looking to protect their retirement savings during these crazy times.

https://www.financialverse.com/post/304-annuities-a-north-star-in-uncertain-times

Five Questions About Inflation

Harry N. Stout — Tue, 31 May 2022 03:00:00 -0500

In this episode Harry welcomes you to the new world of inflation. He helps you understand what inflation is, how it is calculated, what it does to the value of your money and what actions you can take to mitigate its impacts.

Episode Links and Resources

https://www.financialverse.com/post/313-five-questions-about-inflation

https://www.fidelity.com/learning-center/trading-investing/inflation-rate-in-us?ccsource=email_weekly_0421

What is Your Net Worth and Why Does It Matter?

Harry N. Stout — Thu, 26 May 2022 03:00:00 -0500

In this episode Harry discusses the foundational concept of net worth - what it means to households and why it is important. He also provides resources to enable you to compare your net worth to others your age.

https://www.financialverse.com/post/289-what-is-your-net-worth-and-why-does-it-matter

https://www.federalreserve.gov/publications/files/scf20.pdf

Do You Know These 9 Important Aspects of IRAs

Harry N. Stout — Tue, 24 May 2022 03:00:00 -0500

In this episode Harry highlights IRAs. He discusses what they are, how they are used and the key aspects of IRAs that we should all know. He also recommends that listeners access the IRA section of IRS.gov. to learn more about this valuable retirement savings tool.

https://www.financialverse.com/post/291-do-you-know-these-important-aspects-of-iras

https://www.irs.gov/newsroom/irs-announces-changes-to-retirement-plans-for-2022

Five Ways to Get What You Need In Life

Harry N. Stout — Thu, 19 May 2022 03:00:00 -0500

In this episode Harry discusses how in our world today you can get the goods and services you need. He highlights the positives and negatives of buying, leasing, subscriptions and free options available.

https://www.financialverse.com/post/283-five-ways-to-get-what-you-need-to-live

10 Ways to Save Money on Transportation Costs

Harry N. Stout — Tue, 17 May 2022 03:00:00 -0500

The second largest category of expenses for most households is what they spend on transportation. In this episode Harry provides 10 ideas on where savings can be achieved. With energy costs skyrocketing, the time to look at ways to reduce out-of-pocket costs for transportation is more important than it has been in decades.

https://www.financialverse.com/post/280-ways-you-can-save-money-on-transportation-costs

The Top 10 Questions About Long-term Care Insurance

Harry N. Stout — Thu, 12 May 2022 03:00:00 -0500

In this episode Harry answers subscriber questions about long-term care insurance. Often referred to as the "elephant in the retirement planning room" having protection against a long-term care event is essential for proper financial planning.

https://www.aaltci.org

Why You Need a Will

Harry N. Stout — Tue, 10 May 2022 03:00:00 -0500

In this episode Harry discusses wills and provides ten reasons why you need one. A will is one of the fundamental documents of personal finance. Only 46% of American households have a will in place. Your household runs a significant risk not having one in place.

https://www.financialverse.com/post/297-why-you-need-a-will

https://www.freewill.com

How to Budget for Ongoing Housing Costs

Harry N. Stout — Thu, 05 May 2022 03:00:00 -0500

In this episode Harry discusses the eight major costs of owning a home and operating it. He gives you rules of thumb or ideas on what you should be spending for maintenance, utilities and insurance coverages. Given that households spend about $21,000 on housing related expenses this episode should help you save money by becoming more aware of all the costs incurred to own or maintain a home.

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Why You Might Need a Larger Emergency Fund

Harry N. Stout — Tue, 03 May 2022 03:00:00 -0500

In this episode Harry discusses why households may need a larger emergency fund in today's crazy economic environment. He offers six considerations that households should consider in putting money away for the unexpected.

Episode Links and Resources

https://www.financialverse.com/post/295-why-you-might-need-a-larger-emergency-fund

https://investorrelations.discover.com/newsroom/press-releases/press-release-details/2021/Americans-with-Medical-Debt-Are-More-Worried-about-Making-Payments-than-Getting-Better/default.aspx

Save Now, Live Well Later

Harry N. Stout — Thu, 28 Apr 2022 03:00:00 -0500

In this episode Harry discusses the need for all of us to save more money now to pay our living expenses when full time work stops. The key factors driving our economy are forcing us to have to accumulate cash and benefits for later life. He presents ten realities each of us must address to be able to have reasonable lifestyles in our later years.

https://www.financialverse.com/post/296-save-now-live-well-later

The Top 7 Deferred Annuity Income Options

Harry N. Stout — Tue, 26 Apr 2022 03:00:00 -0500

In this episode Harry looks to help listeners better understand the various income options, including getting cash from the annuity contract if you die, available from deferred annuities. Most consumers don't fully understand the myriad income options available to them from a deferred annuity.

It's Time to Rename Retirement

Harry N. Stout — Thu, 21 Apr 2022 03:00:00 -0500

In this episode Harry discusses what we should name the period of time in our lives when full time work ends. He believes that the word retirement is outdated and does not reflect the ways that people are pursuing their later years.

The Dirty Dozen Money Mistakes

Harry N. Stout — Tue, 19 Apr 2022 03:00:00 -0500

In life we often learn more from our mistakes than our successes. In this episode Harry discusses 12 common money mistakes that people make and how you can learn from them.

Have You Gotten a Retirement Readiness Check-up?

Harry N. Stout — Thu, 14 Apr 2022 03:00:00 -0500

Just like you get a periodic physical examination you need to do the same for retirement. In this episode Harry discusses getting a retirement readiness check-up beginning at least age 45. He present the key areas to be covered as part of the process and why they are so important to you.

Managing Your Money In Uncertain Times

Harry N. Stout — Tue, 12 Apr 2022 03:00:00 -0500

In this episode, Harry discusses actions you might take in light of the Russian invasion and its impact on your money. He encourages households to relax and focus on the actions they can control relating to their money.

Episode links and resources

https://www.financialverse.com/post/294-managing-your-money-in-uncertain-times

https://youtu.be/J8yJsZbvCQ8

Saving Cash on Income Taxes

Harry N. Stout — Thu, 07 Apr 2022 03:00:00 -0500

In this episode Harry presents ideas on. how households can save on one of their largest expenditures - federal and state income taxes. He covers a number of common items people miss when completing their income tax returns.

Episode Links

https://www.financialverse.com/post/173-saving-cash-on-income-taxes

https://www.financialverse.com/cash-savings-ideas

Common Sense Reasons to Buy Insurance Coverage

Harry N. Stout — Tue, 05 Apr 2022 03:00:00 -0500

In this episode Harry explains the seven key financial risks you face in life and how insurance coverages can totally mitigate or offset.

https://www.financialverse.com/post/common-sense-reasons-to-buy-insurance-coverage-1

Three Ways to Future Proof Your Earning Power

Harry N. Stout — Thu, 31 Mar 2022 03:00:00 -0500

In this episode Harry discusses the three major actions you should take to future proof your income. He addresses reskilling, upskilling and using income protection insurance to protect your earning power and cash flow. Most likely you most valuable asset is your ability to earn an income.

Episode Links and Resources

ttps://www.financialverse.com/post/169-three-ways-to-future-proof-your-earning-power

Does Money Bring Happiness?

Harry N. Stout — Tue, 29 Mar 2022 03:00:00 -0500

In this episode Harry discusses the topic of how much income do you need to earn to be happy. He discusses the key surveys that occur that address this issue. You may be surprised with the findings of these surveys.

https://www.financialverse.com/post/190-does-money-bring-happiness

YOLO Personal Finance: A New Trend

Harry N. Stout — Thu, 24 Mar 2022 03:00:00 -0500

In this episode Harry discusses the personal and financial changes that individuals are making as a result of the impact. These changes are creating a new trend in personal finance - YOLO money. He discusses the new actions people are taking as they contemplate if there is more to life than the normal striving to be successful.

Episode resources

https://www.financialverse.com/post/200-yolo-personal-finance-a-new-trend

I Have Life Insurance Through Work

Harry N. Stout — Tue, 22 Mar 2022 03:00:00 -0500

In this episode guest contributor Michel Burkholder addresses having life insurance coverage at work, when to buy more coverage and asks if the amount of coverage provided is sufficient to protect your household.

Episode Link and resources

https://www.financialverse.com/post/201-i-have-life-insurance-through-work

https://www.financialverse.com/contributors

Your Personal Finance Scorecard

Harry N. Stout — Thu, 17 Mar 2022 03:00:00 -0500

In this episode Harry discusses key metrics that people use to track their financial condition and success in reaching long-term goals. If you can't measure your money success you can't measure it. The session explains and highlights a number of key measures you can use.

Episode Link and resources

https://www.financialverse.com/post/214-your-personal-finance-scorecard

https://www.myfico.com/credit-education/whats-in-your-credit-score#:~:text=FICO%20Scores%20are%20calculated%20using,and%20credit%20mix%20(10%25)

What Is Pet Insurance? Protecting Our Furry Friends

Harry N. Stout — Tue, 15 Mar 2022 03:00:00 -0500

In this episode Harry takes you into the new world of health insurance for your pets. More and more households are obtaining coverage for the health needs of their pets to avoid large, out-of-pocket costs for pet medical care. Harry discusses the types of coverage available and related costs.

Episode Link and resources

https://www.financialverse.com/post/232-what-is-pet-insurance-protecting-your-furry-friends

https://naphia.org/news/phi-in-the-media/the-biggest-mistake-99-percent-of-all-pet-owners-make/

https://www.credit.com/personal-finance/cost-of-owning-a-dog-or-cat/

Every Day is A Weekend - Now What?

Harry N. Stout — Thu, 10 Mar 2022 03:00:00 -0500

In this episode Harry discusses the softer side of retirement planning - finding your purpose when full-time work ends. He addresses his own struggles with finding a passion after a long and successful business career.

Key Reasons to Buy Life Insurance

Harry N. Stout — Tue, 08 Mar 2022 03:00:00 -0500

In this episode Harry discusses the key reasons why life insurance is purchased by households and what

you should consider for your household.

lifehappens.org

https://www.financialverse.com/post/240-the-key-reasons-to-buy-life-insurance-protection-life-insurance-awareness-month

Creating Multiple Streams of Income

Harry N. Stout — Thu, 03 Mar 2022 03:00:00 -0500

In this episode Harry describes what multiple sources of income can do to improve your financial situation.

He delves into the various sources of income you can generate for your household.

How Annuities Fit Into Your Retirement Strategy

Harry N. Stout — Tue, 01 Mar 2022 03:00:00 -0500

In this episode Harry describes the increasing relevance that annuity products have to savers. He addresses the need to convert the money they have accumulated over their working lives into a stream of

protected, guaranteed income to pay their living expenses in retirement.

https://www.financialverse.com/post/184-how-annuities-fit-into-your-retirement-strategy

8 Options to Becoming Debt Free

Harry N. Stout — Thu, 24 Feb 2022 03:00:00 -0500

In this episode Harry provides you with eight options you have to reduce your debt load. He provides different budgeting, legal and negotiating techniques you can use to improve your cash flow.

https://www.financialverse.com/post/196-eight-options-to-becoming-debt-free

https://www.financialverse.com/post/is-it-time-for-a-zero-based-cash-budget

https://www.financialverse.com/post/using-a-snowball-to-pay-off-your-debts

https://www.creditcards.com

7 Reasons You Should Consider an Annuity

Harry N. Stout — Tue, 22 Feb 2022 03:00:00 -0500

Harry is known as one of the nation's experts on annuity products. In this episode he shares with you the top seven reasons you should consider using annuities as a tool in your retirement planning. Today's annuity products are one of the very few sources of protected, guaranteed lifetime income.

Episode Resources

https://www.financialverse.com/post/211-seven-reasons-you-should-consider-an-annuity

https://nafa.com

http://www.irionline.org

https://www.protectedincome.org/about-us/

The Four Coming Obstacles to Your Financial Success

Harry N. Stout — Thu, 17 Feb 2022 03:00:00 -0500

In this episode Harry addresses the four obstacles individuals will face in the next several years that will

impact their financial success. They are potential tax increases, higher inflation, managing lifestyle creep

and managing your employment situation.

What is Sequence of Returns Risk?

Harry N. Stout — Tue, 15 Feb 2022 03:00:00 -0500

In this episode Harry answers a subscriber's question about sequence of returns risk. He defines it for the listener and explains why it is so important to individuals nearing or just beginning retirement.

A Real 7% or More Solution - Series I Bonds

Harry N. Stout — Sat, 12 Feb 2022 03:00:00 -0500

In this episode Harry introduces you to a once neglected, but now very useful inflation adjusted return fixed income solution - the Series I Bond. These bonds pay interest tied to inflation and while they have restrictions on purchase and withdrawal can be a nice addition to your portfolio.

treasurydirect.gov

Ideas to Save on Insurance Costs

Harry N. Stout — Mon, 07 Feb 2022 03:00:00 -0500

In this episode Harry discusses over 20 ways to save cash on paying for insurance and offers insights on how to make sure you are properly covered.

https://www.financialverse.com/post/235-ideas-to-save-on-insurance-costs

Buy Now, Pay Later Loans - Are They Right for You?

Harry N. Stout — Sat, 05 Feb 2022 03:00:00 -0500

In this episode Harry discusses the new convenient, buy-now pay later loans and presents their benefits and pitfalls. This new source of credit is gaining great consumer acceptance but it comes with some cautions that consumers need to understand.

The Rickety Three-Legged Stool of Retirement Savings

Harry N. Stout — Mon, 31 Jan 2022 03:00:00 -0500

In this episode Harry discusses the three major ways we fund our retirement savings and benefits. They are through government programs, private savings and employer provided pension benefits. He discusses the current state of each source and what can be done to strengthen them for the future.

https://www.financialverse.com/post/243-the-rickety-three-legged-stool-of-retirement-savings

Retirement Income Policy Needs a Facelift

Harry N. Stout — Sat, 29 Jan 2022 03:00:00 -0500

In this episode Harry shares a recent nationally distributed article he wrote about the need to change our national retirement income policy. In the next decade we will see millions of Americans struggle to retire as they do not have sufficient incomes. Harry offers some suggested solutions to address this issue.

Why You Should Buy Renter's Insurance

Harry N. Stout — Tue, 25 Jan 2022 03:00:00 -0500

In this episode Harry explains renter's insurance - what it covers, does not cover and tips on how to buy the coverage. Given the impact of climate change related weather events, having this coverage is more important than ever if you are renting your home.

The Elephant in the Retirement Room - Healthcare Costs

Harry N. Stout — Thu, 20 Jan 2022 03:00:00 -0500

In this episode Harry discusses planning for healthcare costs in retirement. He highlights the latest estimates of what households should plan to save to cover medical bills. He also gives the listener a number of ideas of the best ways to save money for future medical bills.

Do You Have Personal Liability Insurance?

Harry N. Stout — Tue, 18 Jan 2022 03:00:00 -0500

In this episode Harry explains the importance of having a personal liability policy in place to protect your assets and future income. He highlights what these policies do and don't cover. Lastly, he provides information for individuals who live in earthquake and flood zones.

5 Ways to Get What You Need

Harry N. Stout — Thu, 13 Jan 2022 03:00:00 -0500

In this episode Harry discusses the five ways to get the goods and services you need in life through buying, leasing, bartering, subscribing and for free.

5 Steps to Leaving A Legacy

Harry N. Stout — Tue, 11 Jan 2022 03:00:00 -0500

In this episode Harry takes the listener through the essential steps of creating and leaving a legacy for loved ones and causes you care about. He focuses on the most important actions you should take including putting a will in place.

Will You Outlive Your Assets?

Harry N. Stout — Thu, 06 Jan 2022 03:00:00 -0500

In this episode Harry discusses the key question most people have about retirement planning - will they outlive their assets. He gives the listener some observations and information about life expectancy, financial planning and the realities of living longer.

7 Actions to Get a Job, Keep It and Grow Professionally

Harry N. Stout — Tue, 04 Jan 2022 03:00:00 -0500

In this episode Harry answers a subscriber's question about what to do to about getting, keeping and growing in a job. He takes his life lessons and describes seven actions you can take to improve your ability to earn and grow your income.

The Six Forgotten Tax Breaks of Life Insurance

Harry N. Stout — Thu, 30 Dec 2021 03:00:00 -0500

In this episode Harry explains the major tax advantages of life insurance products that most buyers do not fully understand. The six tax breaks discussed can provide significant value to consumers as they plan their financial futures.

Six Actions to Fight Inflation

Harry N. Stout — Tue, 28 Dec 2021 03:00:00 -0500

In this episode Harry discusses the rise of inflation in our economy, what it is and how it impacts your money. He offers six practical actions you can take to reduce the impact of inflation on your pocketbook.

What Is a Financial Plan?

Harry N. Stout — Thu, 23 Dec 2021 03:00:00 -0500

In this episode Harry discusses the importance of having a financial plan, the key elements of a complete financial plan and the estimated costs of putting a plan in place. Only 30% of American households have a written financial plan in place, far less than should have this important money document in place.

Resources

https://www.financialverse.com/post/is-it-time-to-rethink-your-financial-values

https://www.financialverse.com/post/186-taking-a-financial-inventory

https://www.financialverse.com/post/how-a-cash-budget-changed-my-money-mindset

https://www.financialverse.com/post/why-you-need-a-personal-financial-safety-net

22 Money Ideas for 2022 - Part 2

Harry N. Stout — Tue, 21 Dec 2021 03:00:00 -0500

This is part 2 of the ideas on how to improve money knowledge, habits, cash flow and expense management for the new year.

22 Money Ideas for 2022 - Part 1

Harry N. Stout — Thu, 16 Dec 2021 03:00:00 -0500

In the first part of a two-part episode Harry gives you 22 ideas to improve your money habits, savings and cash flow for the new year.

How Much Retirement Income Will You Need - The Income Challenge

Harry N. Stout — Tue, 14 Dec 2021 03:00:00 -0500

In this episode Harry discusses how much of your pre-retirement income you need to replace when you stop working. He highlights the items in your cash flow budget that will likely decrease and increase when you cease full-time work.

#The FinancialVerse

Podcast Money is a necessary tool you must deal with in life. The FinancialVerse podcast provides you with ideas, resources and information to improve your relationship with money.

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The Risk of Living Too Long - What It Means for Your Money

Harry N. Stout — Thu, 09 Dec 2021 03:00:00 -0500

In this episode Harry discusses why you need to be concerned about living a long life. He explains longevity risk and presents a series of questions you should ask yourself as you accumulate money for when you stop full-time work.

Episode Links:

https://www.financialverse.com/post/the-risk-of-living-too-long-why-it-matters-to-your-money

#The FinancialVerse

Podcast Money is a necessary tool you must deal with in life. The FinancialVerse podcast provides you with ideas, resources and information to improve your relationship with money.

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The 3 Hidden Benefits of Life Insuracne

Harry N. Stout — Tue, 07 Dec 2021 03:00:00 -0500

In this episode Harry discusses how a properly structured life insurance policy can protect against the risks of dying too soon, paying for the costs of an illness and living too long. He points out the key tax advantaged benefits that most buyers of life insurance didn't know were part of their policy.

Episode Links:

https://www.financialverse.com/post/219-the-hidden-benefits-of-life-insurance

#The FinancialVerse

Podcast Money is a necessary tool you must deal with in life. The FinancialVerse podcast provides you with ideas, resources and information to improve your relationship with money.

Visit FinancialVerse.com - www.financialverse.com

Subscribe to Moneysavers blog - www.financialverse.com/blog

Learn how good money habits drive financial success - www.financialverse.com/gmh

Why Cash Flow Planning In Retirement is So Important?

Harry N. Stout — Thu, 02 Dec 2021 03:00:00 -0500

In this episode Harry discusses actions that you should take to create the maximum after-tax cash flow in retirement. He walks you though all the significant matters you must address including taxes, healthcare costs and insurance coverages.

Episode Links:

https://www.financialverse.com/post/237-why-retirement-cash-flow-planning-is-so-important

#The FinancialVerse

Podcast Money is a necessary tool you must deal with in life. The FinancialVerse podcast provides you with ideas, resources and information to improve your relationship with money.

Visit FinancialVerse.com - www.financialverse.com

Subscribe to Moneysavers blog - www.financialverse.com/blog

Learn how good money habits drive financial success - www.financialverse.com/gmh

Can Debt Be Your Friend?

Harry N. Stout — Tue, 30 Nov 2021 03:00:00 -0500

In this episode Harry talks about the different forms of debt and why some are good and others will significantly burden your household.

Episode Links:

https://www.financialverse.com/post/can-debt-be-your-friend

debt.org

#The FinancialVerse Podcast

Money is a necessary tool you must deal with in life. The FinancialVerse podcast provides you with ideas, resources and information to improve your relationship with money and help you live your financial life with intention.

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What Is Your Cash Savings Hierarchy?

Harry N. Stout — Thu, 25 Nov 2021 03:00:00 -0500

In this episode Harry introduces the cash savings hierarchy - what you should do with your excess cash to build an emergency fund, pay-off debt and save for the future. He makes his suggestions considering the low interest rate environment we find ourselves dealing with.

Episode Links:

https://www.financialverse.com/post/what-is-your-cash-savings-hierarchy-1

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How to Pay for Long-term Care Costs

Harry N. Stout — Tue, 23 Nov 2021 03:00:00 -0500

In this episode Harry discusses long-term care costs - how expensive they can be, the chance you will incur them and the three ways they are usually paid. Most people think that any long-term care costs they incur will be covered by Medicare or Medicaid. This is not the case and individuals must have some resources or insurance in place to cover the costs.

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Quitting Your Job - Look Before You Leap

Harry N. Stout — Thu, 18 Nov 2021 03:00:00 -0500

In this episode Harry discusses the economic conditions that are feeding the Great Resignation of workers looking to change jobs. He then walks you through major matters you should think about if you are changing jobs that can save you money stress.

Episode Links:

https://www.financialverse.com/post/220-quitting-your-job-look-before-you-leap

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Your $796,000 Share of the National Debt

Harry N. Stout — Tue, 16 Nov 2021 03:00:00 -0500

In this episode Harry explores the real amount of debt our government owes, including trillions of dollars of unfunded Medicare and Social Security benefits. The national credit card is being used with increasing frequency and the repayment bill will likely increase taxes, cause programs to be cut and decrease our nation's ability to deal with a future crisis.

Episode Links:

https://www.financialverse.com/post/207-your-796-000-share-of-the-national-debt

https://www.truthinaccounting.org/library/doclib/Financial-State-of-the-Union-2020.pdf

https://www.usdebtclock.org

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How Much Retirement Income Will You Need - Rules of Thumb

Harry N. Stout — Thu, 11 Nov 2021 03:00:00 -0500

In this episode Harry discusses four "Rules of Thumb" for determining the adequacy of retirement savings. They are (1) The Salary Multiple (2) The 4% Rule (3) Saving 10 to 15% of Your Income During Your Working Years and (4) The 25 Times Rule. He walks you through each item and highlights each method.

Episode Links:

https://www.financialverse.com/post/241-how-much-do-you-need-to-retire-rules-of-thumb-for-retirement-savings

https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire

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Learn how good money habits drive financial success - www.financialverse.com/gmh

Where to Look for Income On Your Savings

Harry N. Stout — Tue, 09 Nov 2021 03:00:00 -0500

In this episode Harry discusses interest rates, what bank products are paying consumers, how to allocate your cash in the pandemic and why you should look at non-bank products to obtain higher yields on your savings.

Episode Links:

https://www.financialverse.com/post/the-eternal-quest-for-income

https://www.financialverse.com/post/where-to-look-for-income-on-your-savings

#The FinancialVerse Podcast

Visit FinancialVerse.com - www.financialverse.com

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Learn how good money habits drive financial success - www.financialverse.com/gmh

Six Steps to Cash Savings

Harry N. Stout — Thu, 04 Nov 2021 03:00:00 -0500

In this episode Harry discusses six steps to save on household living expenses by becoming more aware of what you are spending, working from home, moving to a lower cost location, making lifestyle changes, reducing transportation costs and lowering energy consumption.

Episode Links:

https://www.financialverse.com/post/six-steps-to-cash-savings

https://www.financialverse.com/cash-savings-ideas

#The FinancialVerse Podcast

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Learn how good money habits drive financial success - www.financialverse.com/gmh

Improving Your Money Habits - Part 2

Harry N. Stout — Tue, 02 Nov 2021 03:00:00 -0500

This is part two of the episode on Good Money Habits. Harry discusses habits (6) Use Technology to Automate Your Money (7) Make Savings a Priority (8) Monitor Your Credit Scores (9) Look to Save on Recurring Purchases (10) Celebrate and Spoil Yourself for Reaching a Goal or Achieving a Milestone. He carefully explains each habit and why it is important to helping your reach financial success.

Episode Links:

https://www.financialverse.com/post/10-good-money-habits-part-2-1

https://www.financialverse.com/gmh

https://www.financialverse.com/caash-savings-ideas

#The FinancialVerse Podcast

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Learn how good money habits drive financial success - www.financialverse.com/gmh

Improving Your Money Habits - Part 1

Harry N. Stout — Thu, 28 Oct 2021 03:00:00 -0500

This is part 1 of a two part episode about developing good money habits. Harry introduces the first five of ten habits including - (1) Developing A Personal Money Mindset (2) Implementing Reflective Practices (3) Living Within Your Means (4) Saving at Least 10% of Your Pre-tax Income and (5) Never Stop Learning About Money.

Episode Links:

https://www.financialverse.com/post/10-good-money-habits-1

https://www.financialverse.com/gmh

#The FinancialVerse Podcast

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Learn how good money habits drive financial success - www.financialverse.com/gmh

How A Cash Budget Changed My Life

Harry N. Stout — Tue, 26 Oct 2021 03:00:00 -0500

In this episode Harry introduces cash budgeting, why it is so important to your financial life and the three key objectives you should have in creating your own cash budget.

Episode Links:

https://www.financialverse.com/post/how-a-cash-budget-changed-my-money-mindset

https://www.financialverse.com/gmh

#The FinancialVerse Podcast

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Learn how good money habits drive financial success - www.financialverse.com/gmh

Creating a Positive Money Mindset

Harry N. Stout — Thu, 21 Oct 2021 03:00:00 -0500

In this episode we will discuss why you need to develop a positive money mindset to become successful in your financial journey. When it comes to money, we are what we think. Harry also offers some valuable ideas for you and will introduce some important resources.

Episode Links:

https://www.financialverse.com/post/improving-financial-health-changing-your-money-mindset

https://www.financialverse.com/gmh

#The FinancialVerse Podcast

Visit FinancialVerse.com - www.financialverse.com

Subscribe to Moneysavers blog - www.financialverse.com/blog

Learn how good money habits drive financial success - www.financialverse.com/gmh

Stop Leaking Cash

Harry N. Stout — Tue, 19 Oct 2021 03:00:00 -0500

In this episode Harry discusses how you can stop leaking your precious cash by improving your financial literacy. Research has shown that most households leak between $1,500 and $2,400 per year due to their lack of basic personal financial knowledge. In this episode we offer some valuable ideas and resources to help you stop leaking your valuable cash.

Episode Links:

https://www.financialverse.com/post/stop-leaking-cash-by-becoming-financially-literate

https://www.financialverse.com/gmh

#The FinancialVerse Podcast

Visit FinancialVerse.com - www.financialverse.com

Subscribe to Moneysavers blog - www.financialverse.com/blog

Learn how good money habits drive financial success - www.financialverse.com/gmh

The Benefits of Rethinking Your Financial Values

Harry N. Stout — Thu, 14 Oct 2021 03:00:00 -0500

In this episode Harry discusses the benefits of rethinking your financial values, questions you should ask yourself about money and how establishing your values will help you get on track to improved financial awareness and security. The pandemic has caused all of us to rethink what money means in our lives. Rethinking how you use it is critical to future success.

Episode Links:

https://www.financialverse.com/post/is-it-time-to-rethink-your-financial-values

https://www.financialverse.com/gmh

#The FinancialVerse Podcast

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Subscribe to Moneysavers blog - www.financialverse.com/blog

Learn how good money habits drive financial success - www.financialverse.com/gmh

Determining Where You Stand - Taking A Financial Inventory

Harry N. Stout — Tue, 12 Oct 2021 03:00:00 -0500

In this episode Harry explains the starting point for your journey to financial security - getting a starting point. He walks you through the five key actions to get yourself organized to begin your planning process.

Episode Links:

https://www.financialverse.com/post/186-taking-a-financial-inventory

https://www.financialverse.com/gmh

#The FinancialVerse Podcast

Visit FinancialVerse.com - www.financialverse.com

Subscribe to Moneysavers blog - www.financialverse.com/blog

Learn how good money habits drive financial success - www.financialverse.com/gmh

Why You Need A Personal Financial Safety Net

Harry N. Stout — Thu, 07 Oct 2021 03:00:00 -0500

In this episode Harry introduces you to the personal financial safety net, why you need one and the six key elements needed. A personal financial safety net, once implemented, reduces financial risks in your life and improves financial stability.

Episode Links:

https://www.financialverse.com/post/creating-your-personal-safety-net

https://www.financialverse.com/gmh

#The FinancialVerse Podcast

Visit FinancialVerse.com - www.financialverse.com

Subscribe to Moneysavers blog - www.financialverse.com/blog

Learn how good money habits drive financial success - www.financialverse.com/gmh

The Must-Do Actions of the Fulfilling Stage (After Age 70)

Harry N. Stout — Tue, 05 Oct 2021 03:00:00 -0500

In this episode Harry highlights the seven key actions that need to be taken to manage your financial life after age 70. The program is for all ages as it provides ideas that are applicable for the parents and grandparents of young people. Aging is not fun for many people. Taking actions to plan for the time when someone is incapacitated is critical to avoid elder fraud and exploitation.

Episode Links:

https://www.financialverse.com/post/206-financial-must-dos-age-70-and-over

https://www.financialverse.com/gmh

#The FinancialVerse Podcast

Visit FinancialVerse.com - www.financialverse.com

Subscribe to Moneysavers blog - www.financialverse.com/blog

Learn how good money habits drive financial success - www.financialverse.com/gmh

The Must-Do Actions of the Striving Stage - Ages 31 to 70

Harry N. Stout — Thu, 30 Sep 2021 03:00:00 -0500

In this episode Harry discusses the financial actions needed during the Striving Stage of an individual's financial life. These actions cover the spectrum from financial planning, saving, investing and planning for when full-time work stops.

Episode Links:

https://www.financialverse.com/post/204-financial-must-dos-ages-30-to-70

https://www.financialverse.com/gmh

#The FinancialVerse Podcast

Visit FinancialVerse.com - www.financialverse.com

Subscribe to Moneysavers blog - www.financialverse.com/blog

Learn how good money habits drive financial success - www.financialverse.com/gmh

The Must-Do Actions for the Adulting Stage (by age 30)

Harry N. Stout — Tue, 28 Sep 2021 03:00:00 -0500

In this episode we discuss the eleven key financial actions that should be taken by the time an individual reaches age 30. Harry introduces each key action, why it is important and how it begins to lay the foundation for a successful financial life.

Episode Links:

https://www.financialverse.com/post/199-financial-must-dos-by-age-30

https://www.financialverse.com/gmh

#The FinancialVerse Podcast

Visit FinancialVerse.com - www.financialverse.com

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Learn how good money habits drive financial success - www.financialverse.com/gmh

The Three Financial Stages of Life

Harry N. Stout — Thu, 23 Sep 2021 03:00:00 -0500

In this episode we introduce the three stages to a financial life discussing the key impacts of technology, parenting and employment.

#The FinancialVerse Podcast

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Learn how good money habits drive financial success - www.financialverse.com/gmh

The Six Building Blocks to Financial Security

Harry N. Stout — Tue, 21 Sep 2021 03:00:00 -0500

This episode introduces the six building blocks that individuals should follow to put them on a path to gaining financial security.

#The FinancialVerse Podcast

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Learn how good money habits drive financial success - www.financialverse.com/gmh

The New Money Principles

Harry N. Stout — Thu, 16 Sep 2021 03:00:00 -0500

In this episode we discuss the new principles for managing your money considering the new pandemic influenced world in which we live.

#The FinancialVerse Podcast

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Learn how good money habits drive financial success - www.financialverse.com/gmh

The Eight Personal Finance Risks of Life

Harry N. Stout — Tue, 14 Sep 2021 03:00:00 -0500

In this episode we highlight the eight major financial risks that individual's face in their life's journey and how the risks can disrupt their financial lives.

#The FinancialVerse Podcast

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Learn how good money habits drive financial success - www.financialverse.com/gmh

The FinancialVerse - A New Way to Manage Your Money

Harry N. Stout — Mon, 13 Sep 2021 03:00:00 -0500

In this episode we welcome listeners to the FinancialVerse, describe the objective of the podcast and discuss today's economic environment.

#The FinancialVerse Podcast

Visit FinancialVerse.com - www.financialverse.com

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Learn how good money habits drive financial success - www.financialverse.com/gmh

Welcome to The FinancialVerse Podcast with Harry Stout

Harry N. Stout — Wed, 04 Aug 2021 09:30:00 -0500

Welcome to the FinancialVerse Podcast with financial services industry thought leader Harry Stout! If you are like most Americans, you have received little to no personal finance education. If fact, you've likely received more formal training to drive a vehicle than managing money. You have likely developed your relationship with money through daily living and trial and error. Now, just suppose you could find a resource that could explain, in easy-to-understand language, what your financial life will look like, the challenges you'll face and then equip you will the knowledge to address your issues. That is what the FinancialVerse podcast does for you. Each 7-to-10-minute episode has been designed to fit into your busy lifestyle.

You'll learn about financial literacy fundamentals, budgeting, insurance, investing and creating financial security for your household. The podcast appeals to individuals, financial professionals and those in the educational field looking to improve and grow their knowledge of money. You don't need a financial background to better manage your money.

Our goal is to enable you to live a financial life with less drama, anxiety and stress. Money is a necessary tool you must deal with in life. The FinancialVerse podcast provides you with ideas, resources and information to improve your relationship with money.

#FinancialVerse

Check out more on Harry Stout - https://www.financialverse.com/