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CONGRATULATIONS! We’re millennials. That means EVERYTHING about being alive is expensive. And the boomers have so generously gifted us with least affordable housing in the history of the world along with: - Inflation. - Student loan debt. - Expensive medical insurance that doesn’t cover our therapy bills. - Randall Cunningham (to which we are very grateful. Go birds.) And likely very vague wills leaving us to pay for them well after they’re gone. Don’t worry. Seth and Jenn can help. We’re Ph ...
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Jake Of All Trades

Jake Nuno: Financial Advisor and Financial Guru

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Every week Jake Rivas, Financial Advisor To Millennials, will hit the streets, coffee shops, and restaurants to get raw feedback from YOU about the real financial obstacles you are facing today. Jake will help you take the guesswork out of managing your money choices while curating and sharing the best advice and insights into making smart money choices. Jakes Two Cents will help you navigate credit, financial debt, saving for the future, student loans, mortgages, travel, money, lifestyle, a ...
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Welcome to the Save Like Dave Podcast where we are on a mission to help you SAVE and WIN with your money no matter how much you are currently making. This is a Christian Finance Podcast teaching you practical tips on saving and investing with lots of interesting examples and unique, applicable life experiences. We are a father/son team with Dave (Nate is Dave's son and co-host) being the personal finance expert and guru. Dave’s done it and he’s here to help you achieve your financial goals t ...
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show series
 
Do you ever wonder if the effort and expense of home staging are really worth it in today's fast-paced real estate market? Dive into this episode where hosts Seth and Jenn tackle the evolving concept of home staging. They discuss the traditional and virtual staging strategies, highlighting how each approach fits into the current real estate landsca…
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Have you ever considered navigating a real estate transaction on your own? Find out why that might not be the best idea in this episode as we delve into the profound importance of buyer representation in real estate transactions. Discover the historical context of buyer agency, its inception in the 1990s, and how it has transformed property buying.…
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What defines a successful real estate agent? Choosing the right real estate agent is crucial, not just for closing a deal but for ensuring a positive and smooth experience. Let's explore what's important, from availability and emotional intelligence to the ability to navigate complex client interactions. Join us as we unpack what makes a good real …
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In this episode, Seth and Jenn discuss the critical importance of professionalism among real estate agents, emphasizing how disparaging other agents can hurt client relationships and impede transactions. They share personal experiences and industry insights about maintaining professional conduct, adhering to the code of ethics, and fostering constr…
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In this episode we're talking about the challenges preventing many from achieving homeownership. Join us as we discuss innovative solutions and educational strategies designed to bridge the gap for those left behind in today's market. Key Takeaways: The importance of starting early with financial planning to ease the path to homeownership. How comp…
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Join us as we discuss the transformative power of buyer consultations in real estate. Find out how these consultations can clarify your housing goals and streamline your journey to homeownership. In This Episode: Understanding the Buyer’s Packet: Insights into what should be included and why it matters. The Importance of Listening: How effective co…
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In today's episode, we cover the fascinating dynamics of the real estate market crash that affected much of the country—except for a few, resilient areas. Join us as we uncover why and how some local markets managed to dodge the downturn that devastated others. In This Episode: Interest Rates and Market Impacts: How economic policies influence loca…
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Let's step off the usual path and onto a special episode of MillenniUp! Today, we’re keeping it casual with a Q&A session where you'll get to know us (your favorite hosts) on a deeper level. Real estate tips aside, this episode is all about our personal quirks, dreams, and the soundtracks of our lives! Get a unique glimpse into who we are and enjoy…
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What do you think about the current state of trust in real estate? Today we tackle why real estate agents rank low on the trust scale, akin to lawyers and car salesmen. Join us as we explore the stereotypes, the impact of social media, and what it truly means to be a dedicated real estate professional. In This Episode: Why Realtors Are Mistrusted T…
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Are you unintentionally sabotaging your home buying journey? In this episode we unpack the most common mistakes in the home buying process and how you can avoid them. Whether you're a first-time buyer or looking to navigate the market wisely, this is packed with essential advice. What you'll hear about: Early Preparation: Why starting your home sea…
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Join us for a lively Q&A session where we tackle your burning real estate questions. From the intricacies of earnest money and escrow to navigating the complexities of real estate transactions, Seth and Jenn provide insightful answers and practical advice. Whether you're a first-time buyer, a seasoned investor, or somewhere in between, this episode…
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Welcome to a deep dive into the world of real estate investing, tailored for those just starting their journey. We guide you through the foundational strategies, including house flipping, the buy-and-hold approach, and the BRRRR method. We dissect the pros and cons of each, highlighting the importance of financial preparation and market knowledge. …
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Join us as we explore the top three things every home seller should know to navigate the real estate market successfully. We emphasize the importance of early preparation, asking the right questions, and having the right mindset. From understanding the nuances of pricing your home to dealing with emotional attachments and the current market dynamic…
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Join us, Seth and Jenn, as we unfold the critical things every home buyer should know. In this episode, we cover why starting your home search early can set you up for success. We encourage asking every question – no matter how small it seems – and emphasize the importance of adopting the right mindset for navigating the competitive real estate mar…
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Most of us are average. It’s just a statement of fact. In this episode, Dave is going to discuss what being in the middle looks like - financially speaking, and then shares suggestions that you can implement into your life to be better than average. Being average in America is all too common. We quickly spend as much as we make, and lifestyle infla…
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Dive into the intricate world of new construction as we uncover the essential role of real estate agents in these complex transactions. We highlight the predatory practices some builders may use and why having agent representation is vital to avoid common pitfalls. From understanding builder contracts to the importance of pre-drywall inspections, w…
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Join Seth & Jenn in this candid discussion as Seth and Jenn delve into the delicate topic of choosing between family members and professional agents in real estate transactions. We examine the complexities of working with family in the industry, touching on concerns about honest feedback, financial disclosures, and the potential for relationship st…
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In this episode, Seth and Jenn dive into the world of home improvement ROI. We shed light on key aspects of maximizing returns, whether you're flipping a property or setting up your forever home. From big-ticket renovations to the subtleties of seller's disclosures, we explore what truly adds value to a property. In this episode: Flippers vs. Forev…
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In this episode, we address the crucial topic of financial literacy. Navigating the complexities of the modern world, we discuss the challenges and pressures young adults face in achieving independence and stepping out of their parents' basements. We critique the societal push towards renting and explore the realities of managing finances, the impa…
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It's Jenn's home-iversary! Come on a journey as she shares her personal experience of transitioning from renting to becoming a homeowner. We delve into the influences and apprehensions that shape such a significant decision, and the vital role a skilled real estate agent plays in this process. We also dissect the evolving state of the real estate m…
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Today, Dave will share 10 ways to save an extra $400 a month. Sounds impossible? Well, listen in and learn how you can do it too! Now these 10 things that are shared should be taken as a whole. In other words, if you apply several of these ideas, you can get to the savings goal you want to reach. Most are little things that when taken as a whole wi…
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In this episode, we explore the uncanny parallels between real estate and the world of dating. Just like in a relationship, transparency, and first impressions are key when it comes to selling your property. We discuss the importance of professional real estate photos – akin to presenting your best self in a dating profile – and delve into the conc…
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In today's intimate episode, Jenn and Seth dive into the surprising similarities between real estate and dating. From the nerve-racking days on the market to making that perfect first impression, we discuss how selling a house is akin to navigating the dating world. Jenn shares her experiences with dating apps, drawing parallels to real estate stra…
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Ever grappled with a financial decision that felt like a fork in the road of life? Join us, Jake and Kirk, as we recount tales that merge money with the heart, drawing wisdom from those who've walked the path before us. Today's episode is a deep dive into the shadows of sacrifice and regret—those moments when we choose between material wealth and t…
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In today's episode, we delve into the age-old debate: is owning a home really the best investment for millennials, or is renting the smarter choice? We'll explore the long-term benefits of homeownership versus the flexibility of renting. Seth and Jenn offer their insights from both sides of the real estate spectrum, providing valuable perspectives …
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Ever found yourself struggling to navigate the choppy waters of financial planning? You're not alone. In our latest podcast episode, we tackle the real-life conundrum faced by a Reddit user - the challenge of choosing between funding their Roth account or maintaining a whole life insurance policy amid the rising costs of a new home purchase. As you…
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In this episode, we delve into the often turbulent waters of real estate, specifically focusing on common mistakes millennials make. Whether you're a first-time buyer or a seasoned seller, there's something for everyone. Seth brings his expertise from the seller's perspective, while Jenn offers valuable insights for buyers. In this episode: Avoidin…
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In this episode, we're diving deep into the buzzworthy topic of interest rate fluctuations and their impact on the real estate market. With rates on a roller coaster ride, we break down what these changes mean for you, whether you're a buyer, seller, or just curious about the market. Join us as we demystify the economic forces driving interest rate…
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What is a 1031 Exchange Anyway? Today Dave is going to share what I consider the 2nd best gift the US government has given us to win with money. It’s a bit more complicated than other methods of winning with money that I’ve discussed prior, however, it’s such a good one, Dave will explain what it is and how it can help you keep more of your money! …
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Are your finances and romance on speaking terms, or is it time they got relationship counseling? On the latest Jake of all Trades show, we grapple with the question that has couples scratching their heads: to merge or not to merge money? I, Jake Nuno, financial guru, and my co-host Kirk navigate the stormy seas of joint bank accounts and individual…
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In today's real estate rollercoaster, understanding market dynamics is crucial. With recent buzz around Barbara Corcoran's take on the housing market, we're diving deep into the impact of rate drops and what it means for buyers and sellers alike. Is the market poised for a correction? For every 1% drop in rates, millions of buyers could re-enter th…
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Ready to uncover the secret pitfalls of financial decisions in marriage? We're pulling back the curtain and sharing real stories of monetary missteps that have rocked relationships. We don't just stop at the mistakes, though. We offer valuable insights and advice on how to avoid these blunders, whether you're single, engaged or already hitched. We'…
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🎉 Welcome to the New Year! In today's episode, Jenn and Seth are diving into making those big moves in real estate. Whether you're dreaming of buying your first house or itching to sell your current home, we're here to guide you through this exciting journey. We'll explore the top reasons millennials are making the move, and address some common hur…
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🏡 Dive into the origins and future of the MillenniUP podcast with Jenn and Seth! This special episode takes you behind the scenes, sharing how the podcast evolved from a simple idea into a go-to resource for real estate wisdom for younger generations. In this episode: 01:22 - Whose Idea Was The Podcast Anyways? 02:17 - Launching the Podcast 05:07 -…
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Is there such a thing as good debt? In Dave's opinion, not all debt is considered "bad" debt. Good debt is viewed as taking on debt that benefits your life. This debt is a way to create wealth by leverage… a mortgage for a house will build equity, for example. Bad debt, on the other hand, does just the opposite. It’s a burden, a weight on your shou…
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Navigating the holiday season while trying to sell your house can be tricky, but fear not - we've got you covered in our latest episode. Seth and Jenn delve into the dos and don'ts of holiday home staging. Consider pre-decoration photos, the impact of a welcoming aroma, and the importance of maintaining a comfortable temperature during showings. Le…
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Finding the right real estate agent is an art. And knowing where to look for one is as important as knowing where NOT to go. Luckily for you, we got you covered. In today's episode, we discuss when it's appropriate to start reaching out to agents and the places you need to avoid. Then, we'll guide you through the actual selection process. Some key …
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Could the American real estate market be on the brink of catastrophe? That's what an intriguing Wall Street Journal article suggests and today we're breaking it down for you. We're delving into the foreboding concept of a 'real estate doom loop' and the potential threat it poses to our banking system. Exploring the unique application of a doom loop…
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Over one-third of adults in the United States reported that they would not be able to cover a $400 emergency expense without borrowing money or selling assets (Federal Reserve Survey). This suggests that as people's incomes rise, they often tend to increase their spending on non-essential items and experiences, leaving them financially vulnerable i…
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Hey there, MillenniUP listeners! Seth and Jenn here, bringing some holiday cheer and real estate clarity in our latest episode. Grab your favorite holiday drink, and let's dive into the well-intentioned yet misguided real estate advice you're bound to hear this festive season. We're here to arm you with the truth, so you can confidently go toe-to-t…
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Sadly, just this week, Charlie Munger passed away. He almost made it to 100! In this Podcast, Dave shares 8 practical tips from the famed investor Charlie Munger. Munger was both straightforward and brilliant at the same time. We can ALL learn a thing or two about money from this wise man. Even though Munger had reached billionaire status and was a…
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Fear. Overconfidence. Confusion. There are three riders of the apocalypse for reasons why people won't contact a real estate agent. In this episode, we shatter myths, tackle fears, and answer the burning question: when should you really contact a realtor? We're laying it all out on the table, breaking down why some folks are afraid to pick up the p…
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Imagine if your mortgage, that debt you've been conditioned to fear, was actually a step towards financial freedom? That's the provocative idea we tackle in today's episode as we challenge the conventional wisdom surrounding debt. We share personal anecdotes of navigating the complexities of owning an appreciating asset and the benefits of tax dedu…
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We all know that having the right mindset is crucial in life, but it's an absolute game-changer in real estate. Rejection will knock at your door, and if you can stand tall and know that it will all work out in the end, you'll get the house you want (or sell yours to a responsible buyer!) Only the fiercest warriors survive on the real estate battle…
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Let's talk about insurance. Yeah, insurance is boring–until you need it! Getting the right home insurance policy for your needs is important when buying a home. Most lenders won’t let you close the deal until you secure it. Most people simply can't afford to rebuild their homes and replace everything in them if a disaster occurs. No matter what typ…
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Do you think that you need a hefty 20% down payment to dive into the real estate game? Well, you’re wrong. But how much do you actually need to spend to buy a house? We get asked this question all the time, so we decided to create this episode to set the record straight. Join us as we break down the numbers, demystify the difference between down pa…
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Gone are the days of the stiff, old-school real estate agent clutching a binder, drowning in a buttoned-up suit, and rocking a name tag like a badge of honor. Nope, that's not our vibe. We're not your average real estate agent. We're here to break the mold and make home buying as spicy as your favorite hot sauce. Today, we're tossing out all the st…
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In this episode, Dave is going to share 8 key daily habits that can help you change your life, including one focused on winning in personal finance. How many of these 8 habits do you follow? Listen in and see how many of these 8 habits you currently possess and see if there are any others that you can begin implementing to start improving your life…
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The average American spends 10 minutes or less per day reading! Even more, 27% of adults in the US didn’t read a book in 2018. As you can see reading has become a low priority for many Americans - I hope you’re not one of them! Today, Dave is going to share 5 books that he hopes will excite you about personal finance. When Dave was beginning his fi…
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Have you ever wondered where the US economy stands in terms of consumer debt? Let's explore together the alarming trends piling up around us. Kirk and I, Jacob, take a deep look into a stark report from JP Morgan which highlights the rising consumer debt, a ticking time bomb that could potentially blow up the American economy. We examine how this i…
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