Listen Now

There is going to be a lot of volatility and a lot of crazy going on in the market next year. Are you ready for it? In today’s episode, Sam Legaspi shares how you can remain optimistic in the face of 2020 and the chaos that the next U.S. presidential election will probably spark. This is a must-listen conversation where you will learn what actions you can take to help protect your wealth during the inevitable market changes. In this episode, you will learn: How the market behaved during the 2016 presidential election How the economy get impacted by nationwide feelings of uncertainty  Why it is important to have a retirement plan Why it is important to be informed about your money  And more! Tune in now to learn why an election year can wreak havoc on your finances and what you can do to protect yourself. Resources:  Financial Liberty Project: (800) 640-8105

For business owners, are there any downsides to offering a 401(k) plan? How will you structure your plan to meet key employee objectives? In today’s episode, Sam Legaspi and Koz Tsukamoto answer these questions and more with the help of David King, a 401(k) specialist and regional vice president at John Hancock. David throws light on seldom spoken-of facts about the 401(k) world that can benefit you as a business owner. In this episode, you will learn: The key to attracting and retaining great employees Which 401(k) responsibilities business owners tend to forget about About the tax savings available to businesses by having a 401(k)  Questions to ask yourself when designing your business’s 401(k) plan And more! Tune in now to learn the 401(k) facts you probably didn’t know about.  Resources:  Financial Liberty Project: (800) 640-8105

When life is great, people will sing it from the rooftops and post about it on Facebook. It’s easy to then believe that the people around us, including retirees, have exceedingly fulfilling lives — but we’re getting an incomplete picture. In today’s episode, Sam Legaspi and Koz Tsukamoto uncover the little-known aspects of retired life that retirees are too embarrassed to talk about. Sharing real-life stories along the way, Sam and Koz examine these unspoken struggles and offer their advice.  In this episode, you will learn: To what extent uncontrolled spending derails people’s retirements Why a day of retired life can be more stressful than a workday How loneliness can impact your retirement experience, including your health And more! Tune in now to learn about the challenges that retirees aren’t talking about. Resources:  Financial Liberty Project: (800) 640-8105

When things aren’t going the way you hope or want, do you give up? In today’s episode, Sam Legaspi and Koz Tsukomoto share great lessons on getting through bad situations in life. This conversation is filled with stories about people who know what it means to be resilient, including Sam’s and Koz’s kids! In this episode, you will learn: How to deal with a spouse who gambles and is a financial liability  The key to dealing with mistakes and failure in life What tough-love can teach us  The importance of looking in the mirror to make changes in life when you want to give up  How facing reality can motivate you to overcome bad situations Tune in now to get the encouragement you need to get through the sand traps of life! Resources:  Financial Liberty Project: (800) 640-8105

Is love all that matters when it comes to marriage? How much does our choice of partners affect our finances? In today’s episode, Sam Legaspi and Koz Tsukomoto discuss the effects that our choice of partner has on our financial future. They also point out which behaviors could signal whether your potential life partner is an asset or a liability. In this episode, you will learn: What makes someone a financial asset or a liability How your choice of a partner affects you financially Which money-related questions to ask yourself about your potential life partner The significance of continuously co-creating a future with your spouse after getting married  Why you should pay attention to people’s money habits while you’re in the dating stage Tune in now and learn how to choose a spouse who will be an asset! Resources:  Financial Liberty Project: 800-640-8105  

Do politics and investing mix? In today’s episode, Sam Legaspi and Koz Tsukamoto uncover how investing and politics do, in fact, collide. You’re in for an energetic and illuminating conversation as they discuss how this intersection influences our beliefs and behaviors around investing. In this episode, you will learn: About the many ways that investing and politics mix  How our beliefs about political issues influence our investing behavior  In what ways politics helps investing Which two factors drive the economy And more! Tune in and join the discussion about how investing and politics mix! Resources:  Financial Liberty Project: 800-640-8105

When it comes to retirement plans, there are many routes people can take.  In today’s episode, Sam Legaspi and Koz Tsukamoto delve into one of those routes, the solo 401(k) plan. Due to upcoming changes from the Secure Act for small business owners, the solo 401(k) plan may become a more attractive option thanks to some of the benefits it offers. Sam and Koz additionally discuss what PLRs are, who they apply to, and how they work. In this episode, you will learn: What PLRs are and how they work  What a solo 401(k) is and who it is for The advantages of a Roth type of retirement strategy Some of the benefits that come with having a solo 401(k) How employer profit sharing contribution works  And more! Tune in now to learn all about the solo 401(k) plan and how business owners can benefit from having one!  Resources:  Financial Liberty Project: 800-640-8105

The second half of the year is here, making it the optimal time to check on your 2019 goals.  In today’s episode, Sam Legaspi and Koz Tsukamoto provide a list of important things to look at during your mid-year checkup. From budgets to retirement contribution goals, they put you on track to end the year in the best way possible. In this episode, you will learn: The importance of a half-year financial check-up Why your subscriptions are a good place to save money Why you should check if you’re on track to achieving your retirement contribution amount goals Why sole proprietors may want to look into starting a solo 401k considering the changes coming up in the Secure Act And more! Tune in now to learn which areas of your finances you should be checking on and the adjustments you can make today to end the year right!  Resources:  Financial Liberty Project: 800-640-8105

Uncle Sam’s new plan for retirees, the SECURE Act, is a real mixed bag. In today’s episode, Sam Legaspi and Koz Tsukamoto discuss the SECURE Act’s proposed changes, which have potential for both good and bad outcomes. This is your chance to find out how this new plan could shake up your retirement planning.  In this episode, you will learn: The new rules included in the SECURE Act How the new requirement to empty out your IRA within 10 years threatens the strategy to stretch it out The positive and negative sides to the Act’s new 401(k) feature  Some of the reasons for these changes Why the new law that allows small businesses to band together to create a 401(k) plan for their employees is a good thing How the proposal to push the required minimum distribution age from 70 ½ to 72 is good but only delays the inevitable Tune in to learn about the upcoming changes proposed in the SECURE Act and how they may impact you.  Resources:  Financial Liberty Project: 800-640-8105

While this topic isn’t for the faint of heart, knowing these seven stats will help you plan for a secure retirement. In today’s episode, Sam Legaspi and Koz Tsukamoto uncover seven scary retirement statistics that will move you to take action. This is your chance to learn from other people’s mistakes and plan for a happy retirement. In this episode, you will learn: Some of the changes that may occur with Social Security in the next few years Whether or not Social Security is 100% taxable Why the average age of retirement is scary The dangers of withdrawing money from a retirement plan if you’re under 59 years old The numbing yearly cost of health care Why it is important to budget for fun And more! Tune in to learn what these scary stats are and how you can put your best foot forward! Resources:  Financial Liberty Project: 800-640-8105

How do you approach the everyday thoughts you have about your financial situation? For Sam and Koz, it is diagnosis first. In today’s episode, they take some real-world thoughts that different people have about their finances and diagnose what the possible underlying issues could be. In this episode, you’ll learn: Why it is important to … Continue reading Episode 12 – Exploring Your Real-World Money Thoughts →

What exactly makes a person go “hmm” in the midst of financial planning? Sam and Koz begin today’s episode by answering a listener’s question about retirement planning, and then they move on to discuss six things that everyone should pay attention to in their financial planning. In this episode, you’ll learn: Why you should increase … Continue reading Episode 11 – Six Things That Should Make You Go “Hmm” →

The process of building a portfolio isn’t like supergluing a model together. There is actually a science to it. Today, Sam and Koz walk you through the metrics they use to build portfolios and explain what those metrics mean for you, as the investor. In this episode, you’ll learn: What the science of building a … Continue reading Episode 10 – The Science of Building a Portfolio →

According to statistics, retirement is not a life stage that many people are planning for. Today, Sam Legaspi and Koz Tsukamoto discuss how people’s everyday choices can end up taking a bite out of their retirement vision. They also answer questions from workshop attendants about budgeting, pensions, and other not-so-obvious, but critical, retirement subjects. In … Continue reading Episode 9 – 7 Facts That Can Destroy Your Retirement Vision →

How exactly are sports and money alike? Sam Legaspi and Koz Tsukamoto paint a picture of how these two are similar. More interestingly, they relate it to retirement and highlight which behaviors can destroy this stage of a person’s life. Then, they take it a step further to discuss how you can nip these behaviors … Continue reading Episode 8 – The Parallel Between Sports and Money →

Today’s episode is inspired by retirees who’ve told Sam and Koz that they would definitely make changes if they could turn the clock back 10 years. Join your hosts as they talk about your Retirement IQ. This is your chance to test your retirement intelligence and figure out what you might want to do before … Continue reading Episode 7- Test Your Retirement IQ →

After many years in the industry, your hosts have heard countless stories — good and bad — about their clients’ money habits. In this episode, Sam and Koz use these stories as inspiration to bring you the top 10 mistakes that people make with their money. These are the blunders that can make the difference … Continue reading Episode 6- The 10 Biggest Mistakes People Make With Their Money →

The magic of retirement planning is hardly magic at all. It’s a matter of learning the rules so that you can win the game and achieve financial freedom.   In this conclusion to their three-part series, Sam and Koz reveal the three final rules of financial liberty. In this episode, you’ll learn: How having a … Continue reading Episode 5- The Seven Rules of Financial Liberty: Part 3 →

Playing by the rules can be fun and, most importantly, it can lead you to financial freedom. You’ll find out to play these rules in today’s episode of The Financial Liberty Project Podcast. In the second part of The Seven Rules of Financial Liberty mini-series, Sam and Koz guide you through rules three and four, … Continue reading Episode 4- The Seven Rules of Financial Liberty: Part 2 →

How can you play a game and win, if you don’t know the rules? Sam and Koz have developed a list of seven rules that will help you gain valuable insight into your own financial paradigm. In this episode, they share the first two rules that you need to follow to begin your journey towards … Continue reading Episode 3- The Seven Rules of Financial Liberty: Part 1 →