Podcast weblog featuring the investment wisdom and principles of John C. Bogle
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Host Jon Luskin, CFP® and the Bogleheads® community ask questions to financial experts - live.
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Investment Analysis and Advice
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Financial Independence and Early Retirement
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Military Money Manual Podcast is all about financial freedom while you serve in the US military. Learn more about military travel hacking and credit card annual fee waivers exclusively for active duty, Guard, Reserve, and military spouses in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 Find Spencer's book, The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or shop.militarymoneymanual.com Credit cards, travel hacking, investing in the TSP, ...
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Hi everyone, my name is Scarlett. Welcome to ”AI 2 Minutes Books”, the podcast where we use artificial intelligence to summarize popular books in under 2 minutes. As someone who loves reading but often struggles to find time for it, I know how frustrating it can be to have a growing pile of books you want to read but never get around to. That’s why we’ve created this podcast to help busy people like us stay informed and up-to-date on the latest books without having to invest too much time. O ...
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Vanguard Founder Jack Bogle: 10 Step Wealth Building Bogleheads Investing Philosophy for the Military #137
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Does a simple Bogleheads style of investing work for military families? YES! The Bogleheads are followers of the philosophy of Vanguard founder John C. "Jack" Bogle. Live below your means Develop a workable plan Never bear too much or too little risk Invest early and often Diversify Invest with simplicity Use index funds when possible Keep Costs Lo…
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New TSP Fund: L2070 Lifecycle | What are Lifecycle Funds? Are Lifecycle Funds a Good Option? #136
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The L2070 lifecycle fund is available now in your TSP as of July 2024. If you were born after 2005, this will be your default fund you'll be automatically enrolled to contribute to. This is for those of you who'll reach retirement age around the year 2070 (2068-2072 ish). We discuss what lifecycle funds are, what mix of C/S/I/F/G funds is in the L2…
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Dave Ramsey 7 Baby Steps - Do They Work for Military Families? | How to Get Out of Debt, Build Wealth, Give Generously #135
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Dave Ramsey's 7 baby steps have helped millions of families. Do they work for military families? Today, we discuss each of the 7 baby steps and how they can work for military families. Both Spencer and Jamie started on the Dave Ramsey plan. We highly recommend the Total Money Makeoever book (check your base library- many have it for free), Financia…
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Don't Buy a House on Active Duty | Reduce Stress, Hassle, and Build Liquid Wealth While Renting #134
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It's okay to rent on active duty! You don't need to buy a house to build wealth. You can safely ignore the push from VA loan sellers, real estate agents, and mortgage brokers. In this episode of the MMM podcast, Spencer and Jamie challenge the common belief that buying a house is essential for building wealth, especially for active duty military pe…
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David Baughier switched seats with host Rick Ferri and interviewed him about many personal finance topics.By Rick Ferri, CFA
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Episode 72: David Baughier flips seats with host Rick Ferri and interviews him.
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David Baughier switched seats with host Rick Ferri and interviewed him about many personal finance topics. David is a retired Naval Officer with a passion for helping people pursue and achieve financial independence. He is the founder of www.fiology.com, a free resource that escorts you through 52 concepts of financial independence over the course …
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Listener Success Story! Travel Hacking Military Honeymoon to Tahiti | Free Flights and Hotels for Military with Brian #133
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Listener Brian joins us today to share how he used annual-fee waived credit cards to save about $6,000 on his honeymoon by saving big on his flights and hotel. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course for FREE at militarymoneymanual.com/umc3. Big take-aways: …
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Enlisted Military's Guide to Money | Advice for New Military Members, Boot Camp & First Paycheck #131
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New enlisted servicemember's guide to personal finance! In this episode, Spencer and Jamie share all the financial advice they'd share with a new enlisted troop in their unit. It is possible to accumulate and save while on active duty as an enlisted service member! If you're an officer, go check out episode #132 covering all the personal finance ad…
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Military Officer's Guide to Money | Building Wealth for Army, Navy, Air Force, Marine, Space Force, Coast Guard, NOAA, USPHS Officers #132
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New officer's guide to personal finance! In this episode, Spencer and Jamie share all the financial advice they'd share with a new officer in their unit. You CAN become rich on active duty as a military officer! If you're an enlisted servicemember, go check out episode #131 covering all the personal finance advice for an enlisted member. Topics inc…
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Episode 71, Bogleheads on Investing, Matt Hougan discusses the basics of blockchain and cybercurrencies, host Rick Ferri
By Rick Ferri, CFA
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Episode 70, Bogleheads on Investing, Dr. Wes Gray discusses the unique tax benefits of ETFs and other topics of interest, host Rick Ferri
By Rick Ferri, CFA
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Episode 71: Matt Hougan discusses the basics of blockchain and cybercurrencies, host Rick Ferri
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Matt Hougan is the Chief Investment Officer of Bitwise Asset Management, the world's largest provider of cryptocurrency index funds with more than $4 billion in assets under management. Before joining Bitwise, Matt held several notable positions in the financial industry, including CEO at Inside ETFs, Managing Director of Global Finance at Informa,…
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Military Taxes, State Tax Laws & Spouse Side Hustles | Military Spouse Residency Relief Act | Military Tax Experts Alliance w/ Paul Allen #130
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Taxes can be complicated. Military families have a number of unique concerns when thinking about their taxes- which state(s) to file in, how to withhold taxes, how a gig economy or side hustle affects the plan, how to handle rental property, etc. Today's main points include: Common tax problems for military families Important tax implications for f…
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Tips for Separating from Active Duty, Avoiding Index Universal Life Insurance (IUL), and Military Entrepreneurship with Erik Baskin #129
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For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call. Real-estate returns, disability insurance, time-blocking techniques, and more! Erik Baskin is a Certified Financial Planner (CFP) and Air Force veteran. He's a fee-on…
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Continuation Pay Calculation & Timing With BRS & TSP With Brandon Lovingier, the Enlisted Money Guy #128
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For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call. Confused about continuation pay? Join the club. Unfortunately, too many servicemembers and their leaders are confused about the continuation pay benefit in the BRS. I…
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12% TSP Returns? How Long to Become a TSP Millionaire #127
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For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call! 12% annualized return in my TSP?? Take an inside look at Spencer's actual TSP numbers to show exactly how quickly your account can grow once you start contributing to…
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Episode 70: Dr. Wes Gray discusses the unique tax benefits of ETFs and other topics of interest, host Rick Ferri
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Dr. Wes Gray is the CEO of Alpha Architect. Our topic of discussion for this podcast is exchange-traded funds (ETFs) and their unique tax benefits. Wes is an author, portfolio manager, United States Marine, Iraq War vet, and former professor of finance at Drexel University. He earned an MBA and a Ph.D. in finance from the University of Chicago, whe…
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Upgrading Flights on Military TDY / TAD with Points and Miles #126
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For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call. You can easily explore flight upgrades on your TDY travel flights. It's 100% legitimate and in line with government regulations and JTR. After using government contra…
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Find a Financial Advisor You Can Trust | Nectarine with Jeremy Schneider @PersonalFinanceClub | #125
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For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call. Finance advise doesn't have to be confusing and depressing. Most of the "financial advisors" are actual salesmen. (Check out the 4 types of financial advisors.) So ho…
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GI Bill, 529s & Yellow Ribbon Program | "529s Aren't Just for College: It's Just Another Tax-Advantaged Vehicle" | College Planning for Military Families with Kate Horrell #124
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For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call. How to maximize your GI Bill, save using 529 accounts, and explore the Yellow Ribbon program? Kate Horrell tells us all about it in this episode where we discuss: 529…
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Earn 1 Million Credit Card Points without Annual Fees | Secret 25% Cash Back Cards | Using Rewards to Max Out Your Roth IRA #123
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For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call. Military families can earn 1 million points without annual fees?! You're not going to earn a lot of points from spending. You need to focus on earning welcome bonuses…
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Out of all the episodes of the Financial Independence Podcast, this is the one I wish I heard when I was on my journey to financial independence Bill Perkins, author of Die with Zero, joins Chris Hutchins on the All the Hacks podcast to discuss what money is really for – maximizing net fulfillment. This interview is incredible, so I reached out to …
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"E-4s Don't Make Enough to Save" | Myths & Mindsets Keeping Enlisted Troops from Saving Money | TSP Fund Confusion & Other Financial Lessons from a Young Marine, Devin Daniels @Knuckledraggerz | #122
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An E-4 with over $50,000 in savings in one tour?! Devin is an E-4 in the USMC who shares tips about military life, budgeting, and saving money on social media. He's done a superb job of transparently showing how a young, enlisted servicemember can cut costs and save for their future. He also challenges the mindset that you don't make enough to save…
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Episode 69, Bogleheads on Investing, Larry Swedroe on his book, Enrich your Future, host Rick Ferri
Larry Swedroe is my guest on the "Bogleheads on Investing" podcast. We discuss his latest book, "Enrich Your Future, The Keys to Successful Investing".By Rick Ferri, CFA
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Episode 69: LarrySwedroe talks about his capstone book, Enrich Your Future, host Rick Ferri
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Larry Swedroe is the head of financial and economic research for Buckingham Wealth Partners. A prolific writer who is the author or co-author of 18 books. His first book, The Only Guide to a Winning Investment Strategy You’ll Ever Need, is in its second edition. Larry's latest book, Enrich Your Future, The Keys to Successful Investing, is the topic…
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The Financial Value of a Military Spouse | Military Spouse Roth IRAs | Financial Goals and Insurance Needs for Stay-at-Home Spouse | Colleen Salchow #121
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For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call. Highlights of this episode include: How to ensure spouse feels like they're contributing financially, even as a stay-at-home spouse Setting goals as a spouse Does a s…
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Amex Family Language Rules | Updated Restrictions for Military Credit Cards | Revised Credit Card Strategy for Military #120
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Want help refining your strategy for military credit cards? For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call. American Express recently updated the requirements for earning a welcome bonus by adding family language r…
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Military Tax & Spouses: "Which State Do I File Taxes In?" Military Spouse Residency Relief Act (MSRRA) with Kate Horrell # 119
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Spouse residency rules can sometimes feel very confusing. But today, Kate Horrell helps understand the rules and requirements regarding which state servicemembers and their spouses can use for tax filing purposes. We cover things like: What is the SCRA? What is the Military Spouse Residency Relief Act? What have the recent laws changed regarding mi…
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Advanced Personal Finance Topics for High Net Worth Military Families | High Net Worth Military Finances | Protecting your Assets, Tax Planning, and Investment Fees #118
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For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call. High-income, high net worth, or dual military couples, this episode was made for you! While not all of our audience will directly relate to today's topics, we hope th…
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TSP I Fund Change 2024 | New Index Will Increase Exposure to Emerging Markets | TSP for Military #117
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New (and positive) I Fund changes coming to your TSP in 2024! The I Fund update during 2024 will include more emerging markets, increasing and diversifying your international exposure. This is a positive change. In this episode we explain the benefits of the change, what it means for you, and what action is required on your part to take advantage o…
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Over 50% of mutual fund and ETF assets follow passive indices, which makes index methodology important. Rolf Agather, CFA, has been in the index industry for 40 years and played a major role in the revolution.By Rick Ferri, CFA
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Episode 68: Rolf Agather on investment index methodology and innovation, host Rick Ferri
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More than 50 percent of mutual fund and ETF assets track passive indices, which makes index methodology important. Episode 68 is all about index history and evolution and how the usage of indexes as investment products changed the industry. Rolf Agather has been in the indexing industry since the 1980s. He started Russell, moved around the industry…
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Can I Contribute to a Roth IRA & Roth TSP? | IRA vs TSP Limits are Different! #116
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Roth limits? IRA limits? TSP limits? We get this question often: "How much can I contribute to my Roth each year?" There are several DIFFERENT limits at play here and lumping them all as "Roth" isn't quite correct. Public Service Announcement: Roth IRA is not the same as Roth TSP. You can contribute your maximum to your Roth IRA and still the maxim…
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Free Hertz's Elite Status for Military | Hertz President Circle | Rental Car Benefits for Military Servicemembers and Spouses #117
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Want elite status with Hertz for free? Want to skip the line at the rental car counter? Want a free upgrade? Easy! As a military servicemember or spouse, you get top-tier credit cards with amazing benefits like this with no annual fee. Today we discuss: What is Hertz President's Circle? How do military servicemembers and spouses get this elite stat…
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$14,000 Profit to PCS Yourself?! | Jamie's Personally Procured Move (PPM) or Partial DITY PCS #114
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In this episode, Jamie transparently shows how he profited over $14,000 from his last PCS by doing a full PPM (Personally Procured Move). The government will pay you 100% of the amount they would pay a contractor to ship your HHG. It's not easy, but you can earn a lot of money with this strategy. We talk through the pros and cons of handling yourse…
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PCS Pet Reimbursement | Up to $2,000 for Your Dog or Cat | Military PCS with a Pet #113
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The DoD now allows up to $500 for a CONUS move and up to $2,000 for an OCONUS move for one pet per household. This benefit begins for any PCS effective dates of 1 January 2024 or later. We discuss exceptions, mil-to-mil benefits, documentation requirements, and more! Our new TSP course is live! Check out the Confident TSP Investing course at milita…
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Episode 67, Bogleheads on Investing, Kaye Thomas on income taxes and how to lower them, host Rick Ferri
If you hate paying taxes, then you should love learning about taxes because that’s the way to reduce them. My podcast guest, Kaye Thomas, tells us how.By Rick Ferri, CFA
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Episode 67: Kaye Thomas on income taxes and how to lower them, host Rick Ferri
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If you hate paying taxes, then you should love learning about taxes because that’s the way to reduce them. My guest, Kaye Thomas, received his law degree from Harvard Law School in 1980 and then began his career as a tax attorney, dealing with complex tax matters related to business transactions, finance, and compensation. Kaye now spends his time …
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Credit Card Tracking App Travel Freely with Founder Zac Hood: Grateful Travel + Secret Cash Back Cards #112
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Today, Spencer talks with Zac Hood, founder of TravelFreely.com and CashFreely.net and their amazing apps that are free! We personally use these apps to find the best offers on cash-back credit cards and travel cards. Zach's apps even monitor your Chase 5/24 status, recommend which card to get next and when, and track your annual fees (while accoun…
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MilTax: Free Tax Prep for Military w/ Military One Source | Tax Planning + Tax Prep #111
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It's tax season! Start collecting your 1099s, W-2s, and charitable donations. Whether you do your own taxes or not, you'll need all the documentation ready to go. Most military families should be able to do their own taxes via MilTax from MilitaryOneSource, especially if you have W-2 income only with a simple tax situation. The software is FREE, ou…
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Top 3 Things To Do for Your Financial Situation This Year | Money Goals in the New Year #110
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Are you stressed about money? Do you have a lot of debt? What are you general feelings about money and your future? In this episode we cover the top 3 things to do with your money this year. No, there's no gimmicks or get-rich-quick schemes. Just simple and easy-to-follow, pracitical advice: Clarify your goals Add a little bit more to your retireme…
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Episode 66: Bogleheads on Investing, Dr. Jim Dahle and John Worth, Ph.D. on real estate investing, host Rick Ferri
We cover the spectrum of real estate investment opportunities, from flipping homes to listed real estate investment trusts (REITs).By Rick Ferri, CFA
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Episode 66: Dr. Jim Dahle and John Worth, Ph.D. on real estate investing, host Rick Ferri
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My two guests are James Dahle, MD, a practicing emergency physician, founder of The White Coat Investor, and the creator of the "No Hype Real Estate Investing" course, and John Worth, Ph.D., Executive Vice President of Research and Investor Outreach at Nareit. Our topic in the episode is real estate investing. We cover the spectrum of real estate i…
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