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Financial Freedom Podcast

Steven J. Richardson, Esq.

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A semi-monthly podcast that brings you advice and interviews with experts on various important topics to help you make better and smarter financial decisions in order to improve or maintain your financial situation.
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One of the biggest driving forces in people filing for bankruptcy is the dissolution of a marriage. Whether they need a bankruptcy to resolve financial issues in the course of a divorce, or need to clean up a financial mess created by a marriage that didn’t work out, people end up talking to a bankruptcy lawyer. This podcast works to answer those questions that arise when the bankruptcy is necessitated by a divorce, either by one spouse or jointly by both of them. Since questions also arise ...
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The word "wealthy" means different things to different people. It's more than the numbers in people's bank accounts or necessarily being a millionaire. It's more about financial independence and having a healthy relationship with money. That's why on this episode of the podcast I talk with Rob Souza about what wealth is, how you can reimagine it, a…
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Life insurance is an important part of any financial plan. Your death can bring about financial hardship to those you leave behind without it. Term life provides a nice benefit for a lower premium (although it goes up as you get older), while whole or universal life provides coverage for a higher premium, but it grows in cash value over time to pro…
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Millennials are somewhat the "middle child" generation when it comes to saving for retirement. Although, on average, they began saving 10 years earlier than Baby Boomers, Gen Z started at the age of 19, which is 16 years earlier than the average baby boomer, and 6 years earlier than millennials. As such, they do have an edge over Boomers, they do h…
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A quick song I wrote after learning that they'd put a camera in the little place where I sit and write which I found very unnerving to have an I spy or seeing eye way up upon high : but then the police departments are now deploying reaper drones with inferred night vision armed with Taser's loud speakers and spotlights into the night sky's above Lo…
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A song I wrote today after seeing an old Keltic companion I haven't seen for a decade a true blue eyed raven headed Bretagne .The Romans drove them to the furthest reaches of the kingdom so did Edward long shanks hammer of the scots who also stole their ancient kings destiny stone and put it under his own throneThen By the act of supremacy Henry VI…
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Although student loans continue to be a hot topic in personal finance news, there are many interesting articles and tips out there that can help you on your path to financial freedom. These include Gen Z investment strategies that seem to be working, the cooling of the housing market competition, whether you should leverage the equity in your home,…
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A song I wrote about a honey trap set by the KGB in 1955 using seductive dances from the Bolshoi ballet a British naval attache with the nickname miss Mary was cought in a homo sovieticus sexpionage of seduction just a hairs breath from the world famous Ballet theatre the soft cell take down was nick named Brandy at the Bolshoi.…
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One of the things that many couples and individuals think about, know they need, and fully intend to get one day, is an estate plan. But what is it? Is it just a will? What can happen if you put it off too long? That's why in this episode of the podcast I talk with estate planning attorney Adam Zuckerman to get a good idea of what an estate plan is…
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Thirty years ago climbing aboard over night sleeper trains could turn into a complete disaster the vodka to Vladivostok the dickie Darlington the newkie brown night club, the Scots rail slangie, all these or most of them are now dry runs probably due to the terrible conditions people got themselves in. A notorious one I climbed onboard was the Sout…
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One of the more mystifying subjects in personal finance is cryptocurrency (what most people identify as Bitcoin). The concepts behind digital currency are not obvious and can lead to people being hesitant to get involved in it. That's why in this episode of the podcast I talk to former truck driver and cryptocurrency enthusiast Bitcoin Ben to tell …
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The green-eyed monster of sin, that schadenfreude which we keep hidden away so deep within, its usually only seen in children as they exert their will to win ; the lowly leftover instinct of our anthropic ascension. However, this terrible traite can also be witnessed later in our lives when males begin to assert and dominate as the sexual stage arr…
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For my 100th episode, I did a look back on 9 of those guests and highlighted some of the great information they had for listeners. Now that I have reached the milestone of 200 episodes I wanted to do that again with guests from Episodes 101 forward. I will leave links in the show notes to the full episodes if you haven’t already listened to them an…
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A song about falling into destitution especially soldiers and sailors who you find in the beggars brigade of most British towns. How easy it be to cast contempt , lest we forget our debt.I also had a spell living on the street so when I here others throwing stones I cast them a curse.It's a Witherspoon's Waterloo…
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This is a short song I wrote for Colette's birthday she's an angel faced florist who works out of a norman church on a country estate, surrounded by angelic statues all halos and wings adding to this heavenly scene is her being bathed and baptized in the divine light from the stain glassed windows along with the scent from the flowers you think you…
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Eliminating debt is one of the first steps on the path to financial freedom. Controlling your living expenses and spending within your means allows you to work towards short and longterm savings goals. But that's not always easy while raising a family. That's why in this episode of the podcast I talk with Brad Nelson, the Debt-Free Dad, to talk abo…
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As a bankruptcy attorney, I help lots of people to save their homes from foreclosure by filing a chapter 13 bankruptcy to make catch-up payments on their mortgage. But there are other ways to do it. That's why in this episode of the podcast I talk to DJ Olojo about how he helps people to save their homes without filing bankruptcy. In this episode y…
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A song i wrote on the 5.05 train Leeds to London by the time ya get there you felt like you've been in a shipwreck rocking and rolling with so many people crushed into a small space I was gonna shout man alive!! when they opened the doors.I skipped it into a fast 12/8 rhythm to give the feel of a underlying current of a train moving.…
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This is a song i wrote about the catastrophic creations cause through having too much cosmetic surgery leaving so many a patient in the perpetual state of a reconstructive purgatory the surgeons are called the picasso's of the plastique, well they certainly end up with a foot an mouth or a tongue-in-cheek , they sculpture and scalpel at something t…
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Shakespeare was a genius at portraying the macaveillion side of the human race. The poet Shelley said that king Leah was the most perfect specimen of art existing in the world. Sigmund Freud also took his many psychoanalytical traits from Shakespeare this obviously being the odipus complex of the kings three daughters towards their father who deman…
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A song about looking at my Godson watching the Lion king I cast myself back to childhood where I first saw a pathetic lion used as a guard dog in a scrap yard chained toothless clawless and castrated never should these beautiful beast be caged into torment and cruelty for our amusement we should leave them to roam wild and free on their sub-saharan…
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There are many ways to save and invest for retirement (or just to build wealth) and most are recommended by traditional financial advisers. But sometimes it's a good idea to explore some non-traditional ways to do it that might be better suited to your situation. That's why in this episode of the podcast I talk to Chris Miles, a self-described anti…
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A little song for my God son Todd about a two toed sloth they're always portrayed as the epitome of sinfulness i.e laziness but this little arboreal adaption turns out to be the perfect green dream a hairy little leaf eating machine which has a zero carbon footprint and could save the world all on its own , we would do well to put a little of the s…
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A song I wrote for the king of rock and roll it's done in a crooning style of the fifties. He was born into extreme poverty raised in a shotgun shack but managed not only to break out of but also to attack the musical apartheid of America he was one of the first to start singing the black man's blues , he went from busking as a bum on Beale Street …
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