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Best Steven J. Richardson, Esq. podcasts we could find (Updated October 2019)
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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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Travel is expensive, and people living on a budget trying to pay their bills and stay on an even financial keel often can’t afford a vacation. We all need some time off from the daily grind but finding the money to do so can be difficult. Credit card companies like Capital One have recognized this market and advertise products that allow you to ...…
 
Financial planners and retirement experts all preach on the importance of starting early in saving for retirement. The sooner you start, the more time your money has to grow. But what if you got a late start because life got in the way: marriage, children, financial setbacks and the like? What do you do then? That’s why in this episode of the p ...…
 
June was that they were issuing their own credit card, in partnership with Goldman Sachs. Lots of great features were detailed, and a sleek, modern design for the card was revealed. But now that the card is generally available in the United States, the question becomes, should you get one? Are all of the features that were announced worth it? I ...…
 
Being in financial difficulty is stressful. You have debt that you can’t pay, you keep getting letters and phone calls demanding money you don’t have, and court officers are standing at your door to serve you with lawsuits. This can really weigh you down. Under these circumstances, it is natural for people to come up with reasons in their heads ...…
 
Anyone who wishes to achieve financial independence needs to start taking the appropriate steps as soon as possible. The earlier in your life you start, the sooner you will reach a point where you no longer need a paycheck. That’s when you know you can retire and start enjoying life full time! There is a growing movement now in the world called ...…
 
Home ownership has, for decades, been the “American Dream.” It gave people a financial goal to work towards, saving their money for a downpayment and trying to get their credit up to a point where they could qualify for a mortgage. In many ways, it has also become a bit of a status symbol. But lately, the Millennial Generation has been question ...…
 
The vast majority of the people that come to me to file bankruptcy do so because of out of control credit card debt. The totals can run from the tens- to the hundreds of thousands of dollars. Credit card debt can drag you down and prevent you from having financial freedom. But are credit cards, in and of themselves, bad? Is it the card (and the ...…
 
Graduating from college or university with your degree is a momentous occasion. You finally made it! You’re ready to go out into the real world and make your mark. But this occasion brings with it new challenges that you will have to face, such as finding a job (if you haven’t already) and figuring out how you are going to deal with your studen ...…
 
We all fall into some bad habits at one time or another, and it can be difficult to get out of them. But sometimes those bad habits can have lasting effects on your life and can affect your financial freedom. They can get in the way of your saving money, spending responsibly, and having an enjoyable life both now and in retirement. That’s why i ...…
 
In order to complete any project, you need the right tools, and it’s no different when you are trying to establish and maintain financial freedom. For that you need the financial products that line up with your needs, priorities, and goals. They need to be the right ones for you. That’s why in this episode of the podcast I talk about how to ide ...…
 
Even with the Affordable Care Act, many people, especially millennials, struggle with the cost of health insurance premiums. People in their 20s are less likely to need healthcare than those over 40, but when they need it, it can be beyond reach without insurance. But how does a young adult, just starting out in the workplace, balance rent, car ...…
 
A key part of establishing and maintaining financial freedom is having a job you love that provides you with an income that allows you to have the lifestyle you want while still saving and investing for the future. But what if you don’t have that job right now? What if you find yourself dead-ended in a position with no real opportunities for ad ...…
 
When it comes to investing for retirement, the earlier you start the better. People that start in their 20s, rather than their 30s, or even 40s, give their money more time to grow and therefore give themselves the best chance at financial freedom. No one knows personal finance for 20-somethings like Broke Millennial Erin Lowry, a writer, speake ...…
 
Before anyone sets out to find financial freedom, they need to understand what that term means to them, as it is different for everyone. This definition can depend on your financial goals, both now and in the future. Do you want to retire or keep working? Do you want to travel? The financial strategies for each can be different, and it is bette ...…
 
For those in their 50s and early 60s, planning for retirement has a different, more immediate feel. For millennials, it’s starting to save for it; for those further on in life, it’s figuring out its implementation. A lot of decisions have to be made, including the downsizing of your home, especially if you’re an “empty nester.” That’s why in th ...…
 
Financial planning and a good investment strategy, started as early as possible, is key to achieving financial freedom in retirement. The sooner you do it, the better off you are (and will be). But many people start off doing this with no clear idea of what they are doing, which can really derail the train soon after it leaves the station. Out ...…
 
Getting your financial house in order means cutting down on spending, living within your means, and staying within a budget. You need to reduce or cut out spending, while using your money wisely and for the right purpose. In many ways, this is like going on a diet, but instead of cutting calories, you are cutting spending (dollars), and instead ...…
 
A major part of any effort to attain financial freedom is establishing and maintaining a good credit score. It can make the difference not only in whether you get a loan, but the interest rate that you will pay if you do. It can also decide many times whether you will get a particular job or affordable car insurance. But how can you work to est ...…
 
Starting a new year, to a lot of people, means starting fresh. One popular new year’s resolution, in fact, is getting one’s financial house in order. The first step to doing that is to have a budget, so that you will know at the outset whether you are living within your means or overspending. But is there more than one way to budget, and if so, ...…
 
Many people, at one time or another, have thought about starting a business, but don’t have the money to make a go of it initially. Others have started a business but need money or credit to solve a cash flow problem or fund an expansion. But how does a business get credit and loans? The entrepreneurial itch can be hard to scratch, and not proc ...…
 
As with any goal in life, the sooner you start working towards it the better. That is certainly true of attaining financial freedom, since habits established when you are young tend to stick with you, and things like saving for a comfortable retirement are easier if you start tucking money away as soon as possible. That is why in this episode o ...…
 
Now that Santa Claus came to town in the Macy’s Thanksgiving Day Parade, the holiday season has officially begun! However, this season can be rather treacherous from a financial standpoint if you do not keep a tight rein on the spending (not just the reindeer). Whether you celebrate Christmas, Chanukah, or some other December holiday, the “seas ...…
 
According to CNBC’s reporting on a WalletHub study of taxes as a percentage of personal income New Jersey has the 9th highest tax burden in the country, with a total tax burden of 10.02%, with over half of it (5.12%) going to property taxes. New York has the highest tax burden of personal income overall (13.04%), but when it comes to property t ...…
 
Having a smart and affordable strategy for college financial aid is critical to starting off on the right financial foot upon graduation and the start of your life. Getting it wrong can mean living with crushing student loan debt. The first step in this process is the completion and submission to the U.S. Department of Education their Free Appl ...…
 
Increasing income is key to maintaining financial freedom. It not only allows you to pay living expenses that are increasing with inflation, but it also makes saving for retirement and special life events like vacations that much easier. But sometimes the only way to get a raise is to ask, which is never easy to do. That’s why in this episode o ...…
 
People with bad credit, living paycheck to paycheck, often find themselves with few options when unexpected expenses crop up, or they have a drop in income due to a reduction of overtime or their work hours but not a reduction in their living expenses. As a result, they become desperate for a way to pay the bills, creating a recipe for desperat ...…
 
Many of us get involved in activities outside our jobs. We volunteer for organizations like the Elks or the Masons, or we coach our child’s soccer or t-ball team. But did you know that being involved in those activities could possibly get you sued? Having to pay for a lawyer (and possibly damages, if you lose) can break you financially. The goo ...…
 
Older Americans heading into retirement often discover that they don’t have enough money set aside for living expenses. Or they may need to pay down debt because the large amount of equity in their home is preventing them from filing bankruptcy. They need the cash to pay the debt, but don’t have they money in their budget. This is where a rever ...…
 
One of the things that can happen that can threaten your financial freedom is if your identity is stolen. According to the company LifeLock, nearly 15 million consumers experienced identity theft in 2017, and early 60 million Americans have been affected overall. It can damage your credit status and cost you time and money to restore your good ...…
 
When people who are struggling with student loans look to ways to get rid of them, they assume that bankruptcy is the only option. Then they are told the myth that student loans can’t be discharged in bankruptcy and think that there is nothing they can do. They are stuck with the loans for the rest of their lives. However, for many people, ther ...…
 
Most of what you read online about student loans tends to focus on struggling college graduates who can’t repay their debt. Difficulty finding a job, the costs of living like rent and a vehicle competing for those income dollars, and insanely high loan balances upon graduation, combine to make repayment seem beyond reach. But what about their p ...…
 
If you have a commercial driver’s license, or CDL, here in New Jersey you probably drive for a living. Therefore, any threat to that license is a threat to your ability to work and your financial stability. You don’t want it suspended or revoked permanently because of a traffic violation. That is why in this episode of the podcast I talk about ...…
 
According to CNNMoney, roughly one-third of Americans have nothing at all saved for retirement, citing a 2016 study from GOBankingRates, and another 23% have less than $10,000 in their retirement funds. That’s more than half of all Americans not prepared for retirement! This may be because they don’t think they have the ability to plan and save ...…
 
One of the biggest obstacles to financial success and freedom can be a criminal record. It can prevent you from getting a better paying job, a security clearance, or a gun permit. Many times this record contains convictions of minor, non-violent crimes that were committed many years ago and represent a very different time in your life. But that ...…
 
Technology can be a great equalizer when it comes to allowing small businesses to compete with the large corporations. Cloud based products like Microsoft’s Office 365 and Google’s G-Suite offer complex technology infrastructure that delivers high level productivity without requiring an expensive IT department and support. More and more busines ...…
 
Those that serve our country in the military make extraordinary sacrifices in their lives and those of their families. Many come home with physical injuries and disabilities. Others come home whole physically, but bear scars that no one can see. These scars can make it often as difficult to adapt to civilian life as the loss of a limb. That is ...…
 
The biggest asset most people have is their home, so if they decide to sell it, they want to make sure that they get the most they can in price. This can be particularly important if they still owe a lot on the mortgage or mortgages. But the real estate market isn’t what it was prior to 2008, and probably won’t be again any time soon. So, if yo ...…
 
There have been some developments in the past several months regarding your credit and your student loans if you have them. When these sorts of developments are released, it is important that people find out about it, as it often gets shouted down by all the other things that the media is talking about. That is why, in this episode of the podca ...…
 
Student loans continue to be in crisis in this country, with debt over $1 trillion nationally. Naturally, people with these loans are looking for a solution to their problem. Unfortunately, many of them are automatically eliminating one of them based on a common misunderstanding, and that is: Student loans cannot be discharged in bankruptcy. Th ...…
 
Student loan debt continues to be a problem in this country with over $1 trillion owed nationally. A large percentage of them are struggling to make payments or cannot make them at all. They are sliding towards default and an even bigger financial problem. In the face of this, there have been a lot of ads lately, as well as articles on the web, ...…
 
Any threat to your employment is a threat to your income and financial freedom. One example of this is your driver’s license being suspended, thus causing a problem with getting to and from your job. Getting caught driving while suspended, because you have to get to work, just makes matters worse! That is why in this episode of the podcast I wa ...…
 
Traffic violations in New Jersey can have a serious effect on your financial freedom, depending on the seriousness. Not only can the fines and surcharges be significant, but they can also lead to jail time! This is also true of minor criminal charges, like disorderly person’s offenses, that can be brought in this court. That is why I discussed ...…
 
In the previous episode of the podcast, I talked about getting ready for 2018 by formulating a budget and goals for the coming year. This is critical to financial freedom and should be done every year, preferably in December. But for most of you, creating a budget and goals is a new thing, and like any skill, it takes time to develop. So, in th ...…
 
A household budget is a critical and basic part of any plan for financial freedom. It is the foundation on which everything else is built. But a budget is not something that you set and forget. You have to review and revise it regularly, so that it continues to reflect your expenses and keep you on target for your long-term goals. December is a ...…
 
One of the biggest news stories right now has to do with the tax reform bills that have been passed in both houses of Congress. They make sweeping reforms to many areas of the tax code, and each version has some differences. But as a student loan lawyer, I am most concerned about how it would affect education, and if you are a student, a parent ...…
 
Whether you celebrate Christmas, Chanukah, or some other December holiday, the “season of giving” can be the biggest budget buster of them all, especially as you approach the annual finish line. A “spirit of giving” is a wonderful thing, but there are practical, financial limits that should not be ignored, or it can put you in a financial hole ...…
 
I have discussed in previous episodes of the podcast about the importance of having a short term and long-term financial strategy. The former is accomplished by a budget and the discipline to keep track of expenses and keep within the limits of that budget. In fact, in Episode 13 I reviewed the online budgeting tool EveryDollar to maintain that ...…
 
In most instances, pleading guilty or being found guilty of a disorderly, or petty disorderly, person’s offense (New Jersey’s equivalent of a misdemeanor) is bad enough, with the fines, costs, and sometimes jail time. But there are some things that can happen outside the judge’s sentence for the offense. Sometimes you can lose your job! This is ...…
 
Just about everyone knows these days that student loan debt is a real crisis in this country. With well over $1 trillion owed, and a significant amount in default, today’s college graduates are struggling with a major burden to carry through life. But there is a way for you, as their parents, to ease that burden. The federal tax code, under sec ...…
 
Achieving and maintaining financial freedom involves making the right decisions about your finances. It’s about choosing the right mortgage with the lowest interest rate, deciding with each purchase whether you want or need that item or service, and picking the right insurance company and policy options and coverage. One important decision is w ...…
 
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