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In this episode of the Saving Your Future Podcast by Sean P Moran we talk about the potential benefits of a Roth conversion.  This means converting your traditional IRA or 401(k) to a Roth.   The benefit is derived from the fact that our current tax rates are at historic lows and likely you got your tax deferral at a higher rate.  By doing the conversion we are effectively converting tax deferred (tax to be paid later in retirement) to tax free in retirement for a smaller tax today. If you want to know more about this strategy, check out the book The Power of Zero here:  https://amzn.to/2vWKfjS If you are interested in the book Saving Your Future you can get that here:  https://amzn.to/2LFw1P2   This podcast is based on the book Saving Your Future - A Step By Step Guide to Wealth Development written by Sean Moran

In this episode we talk about the one thing out of your control to stop you from meeting your financial goal.    This podcast is based on the book Saving Your Future A Step by Step Guide to Wealth Development by Sean P. Moran You can get a copy of the book here: https://amzn.to/2WXlS0R   To contact Sean with your questions please email me at movingtowardcoaching@gmail.com

I covered the topic of how much you need to have saved for retirement based on your age. I referenced the article from Synchrony Bank, but also other sources say the same. Here is the article: https://goo.gl/EoG7NA Here is another article, this one by CNBC: https://goo.gl/yg2us6 This channel discusses topics from the book Saving Your Future - A Step by Step Guide to Wealth Development by Sean P Moran If you are interested in the book, check it on: Amazon: www.amazon.com/Saving-Your-Futur…ent/dp/1494255510 Google Play: goo.gl/bEf4Ui You can also check out my podcast here: http://savingyourfuture.libsyn.com It is also available on Google Play and iTunes under Saving Your Future Podcast

There is a new phenomenon where a lot of people are retiring early or thinking of it.  People are retiring in their 30's and 40's. We discuss what it takes to prepare to get to the point where you are ready for early retirement. How much money do you need, what kind of lifestyle can you live and how long before you would run out of money. This episode is brought to you by Audible.  You can get a free 30 day trial and two free books.  If you are interested in this risk free trial, check it out here:  https://amzn.to/2I4zxAE The Saving Your Future podcast is based on my book "Saving Your Future A Step by Step Guide to Wealth Development.  If you are interested in the book you can get it here:  https://amzn.to/2I2Ghiq    

In this episode we talk about the importance of having an emergency fund of at least 3-6 months worth of expenses. With the current government shutdown we see first hand how being out of work can be very costly to people.  Many are already worried about being able to pay their rent, mortgage and other bills. Everyone needs to be prepared for a potential lay off, loss of a job or a government shutdown if your occupation is with the government. No matter who you are or what your job is you need to be able to withstand time not working and look for creative ways to make money during any such down time. What are your thoughts or ideas?  Please comment.   If you would like me to answer any questions or have suggestions for future episodes, please let me know in the comments section. To contact Sean please email movingtowardcoaching@gmail.com   The Saving Your Future Podcast is based on the book Saving Your Future A Step by Step Guide to Wealth Development by Sean P Moran.    If you are interested in a copy of the book you can get it on Amazon here: https://amzn.to/2RGMVPX You can also get it on Google Play here:  https://books.google.com/books/about/Saving_Your_Future.html?id=ZsBEDwAAQBAJ&source=kp_book_description  

Welcome to 2019, what are your financial goals for this year?     Do you plan on buying a house, buying a car, retiring?  Are you just getting out of school and need to figure out your financial plan? We have a lot to talk about this year.  Please consider subscribing as there are is a ton of content to come this year.   Get exclusive content from my YouTube Channel as well here: https://www.youtube.com/channel/UCsFTpMDPYX-C5CY5BfIwH7Q?sub_confirmation=1 You can get a copy of my book from Amazon here:  https://amzn.to/2VyAPXi    

In this episode we talk about 4 important tips for saving money.   If you change these items in your life you can save a lot of money. I. Pay Yourself First II. Buy Used items where it makes sense III. Spend on Good Quality to save IV, Get Rid of Subscriptions and other costly items   This podcast is based on the book Saving Your Future by Sean P Moran.   You can get your copy of the book on Amazon here: https://amzn.to/2rEIjdC On Google Play Here: https://goo.gl/M32Ys9  

In this episode of the Saving Your Future Podcast we talk about ways to save for retirement.  Clearly everyone knows about 401k plans and IRAs, which are important, but what are other investments that you can use to build wealth for retirement?   In this episode we will talk about other options to supplement your current retirement strategy. The Saving Your Future Podcast is based on the book Saving Your Future - A Step by Step Guide to Wealth Development by Sean P Moran     If you are interested in the book you can buy on Amazon through this link:  https://amzn.to/2QHJcQW   You can contact Sean at movingtowardcoaching@gmail.com or @movingtwrdcoach on Twitter

In this episode of the Saving Your Future Podcast Sean interviews Allen Sama about how to make money trading options.   You can find Allen Here: website:  https://optiongenius.com/ Twitter:  @optiongenius Allen shares his story and how he learned to make money with stock options and how you can do the same.   The Saving Your Future Podcast is based on Sean P Moran's book Saving Your Future A Step by Step Guide to Wealth Development. You can find the book here:  https://www.amazon.com/Saving-Your-Future-Wealth-Development/dp/1494255510

In this episode we talk about tips that can help you pay credit card debt off sooner and with less interest. We also talk about how to prevent yourself from getting stuck in an interest trap on a credit card offer.   Always look to pay off your balances right away as credit card interest is among the highest out there. The Saving Your Future Podcast is inspired by the book Saving Your Future - A Step by Step Guide to Wealth Development by Sean P. Moran If you are interested in being on the podcast, email me at movingtowardcoaching@gmail.com Connect on Twitter Consider buying a copy of my book Also check out the thought leadership articles I share on my Facebook Page

The Saving Your Future Podcast is based on the book of the same title by Sean P. Moran.  In this episode Sean interviews Frazer Rice, author and private wealth manager.  He shares ideas and secrets on how to save money and be like the people who are successful at it.   If you want to see the video interview it is here: https://youtu.be/5xt3igj-BAo     Info on Frazer:   Wealth, Actually Book Description:   They say a fool and his money are soon parted, and, for the 1 percent, this is especially true. The more wealth one has, the more risks to their financial security. But with the right knowledge, planning, and guidance, the affluent can not only preserve their assets but enjoy them as well.  Private wealth manager Frazer Rice has seen every challenge and success that the well-off can face. In Wealth, Actually, he shares his holistic, adaptable approach to wealth management. Through a combination of philosophical discussion, practical advice, humor, and anecdotes, he shows how prosperous individuals can determine what they want their wealth to do; communicate with loved ones about their fortune; avoid overspending; handle wealth threats; evaluate, grow, and protect investments; and choose the best advisors. Money shouldn’t be the dream—but, when it’s managed right, it can be the perfect tool to make dreams come true. Frazer's Bio:   Frazer Rice is a leading private wealth manager, with fifteen years’ experience advising millionaire and billionaire families on finances, including fiduciary and estate matters. His clients include business owners, hedge fund managers, real estate developers, corporate executives, foundations, and established families. Frazer has been featured in the New York Times, the Daily Telegraph, and the Journal News, and he has appeared on cable television news networks. In addition to his financial expertise, Frazer is a member of the New York State Bar and a graduate of Duke University and Emory University Law School. He hosts a podcast and blog on politics, business trends, and entrepreneurship at FrazerRice.com.

In this episode we talk about how saving money actually costs you money.  What should you do instead?  Take a listen and find out.   The Saving Your Future Podcast is based on the topics in my book Saving Your Future A step by Step Guide to Wealth Development by Sean Moran   Share your ideas with my by emailing at: movingtowardcoaching@gmail.com If you are interested in the book, check it on: Amazon: www.amazon.com/Saving-Your-Futur…ent/dp/1494255510 Google Play: goo.gl/bEf4Ui

In this episode I interview Chuck Jaffe.  He is a syndicated financial columnist and talk show host of Money Life with Chuck Jaffee. You can find him on Twitter @ChuckJaffee and on the web at http://moneylifeshow.com/   Chuck also does a podcast and you can find him:  on iTunes: https://itunes.apple.com/us/podcast/money-life-with-chuck-jaffe-daily-podcast/id523945784?mt=2  Stitcher:  https://www.stitcher.com/podcast/moneylife-with-chuck-jaffe   Share your ideas with me by emailing at: movingtowardcoaching@gmail.com This podcast is based off the book Saving Your Future - A Step by Step Guide to Wealth Development by Sean P Moran If you are interested in the book, check it on: Amazon: www.amazon.com/Saving-Your-Futur…ent/dp/1494255510 Google Play: goo.gl/bEf4Ui

In this episode of the Saving Your Future Podcast we talk about the alternatives when it comes to an emergency fund or rainy day fund. This is where you put money that you would need in case something unexpected happens like you lose your job or your car needs a major repair or some other unexpected expense comes that you aren't otherwise prepared for. Share your ideas with my by emailing at: movingtowardcoaching@gmail.com This podcast is based off the book Saving Your Future - A Step by Step Guide to Wealth Development by Sean P Moran If you are interested in the book, check it on: Amazon: www.amazon.com/Saving-Your-Futur…ent/dp/1494255510 Google Play: goo.gl/bEf4Ui

In this episode of the Saving Your Future Podcast we talk about why you should never borrow from your 401(k). Look for other funding sources instead. It's a terrible idea to choose your 401k as the place to take a loan from and we explore why here. Share your ideas with my by emailing at: movingtowardcoaching@gmail.com This podcast is based off the book Saving Your Future - A Step by Step Guide to Wealth Development by Sean P Moran If you are interested in the book, check it on: Amazon: www.amazon.com/Saving-Your-Futur…ent/dp/1494255510 Google Play: goo.gl/bEf4Ui

In this episode we talk about how important insurance is to a financial plan. Not having insurance can be devastating and could wipe you out. While we don't talk about every possible insurance there is, we cover the majority of them including health insurance, life insurance, car insurance, long term care insurance, homeowners and more. To learn more about the statistics I discussed regarding long term care insurance reference this article: https://www.morningstar.com/articles/823957/75-mustknow-statistics-about-longterm-care.html Share your ideas with my by emailing at: movingtowardcoaching@gmail.com This podcast is based off the book Saving Your Future - A Step by Step Guide to Wealth Development by Sean P Moran If you are interested in the book, check it on: Amazon: www.amazon.com/Saving-Your-Futur…ent/dp/1494255510 Google Play: goo.gl/bEf4Ui

In this episode we discuss the importance of making sacrifices to reach your financial goals. It is important to understand that you can't always have it all. You need to decide what are the most important things you really want and don't buy the things you really don't need. There are some great tips in this one. Share your ideas with my by emailing at movingtowardcoaching@gmail.com This podcast is based off the book Saving Your Future - A Step by Step Guide to Wealth Development by Sean P Moran If you are interested in the book, check it on: Amazon: www.amazon.com/Saving-Your-Futur…ent/dp/1494255510 Google Play: goo.gl/bEf4Ui

In this episode of the Saving Your Future podcast we talk about the importance as well as how to rebalance your portfolio. This can be used for your 401k, for an IRA or for any other financial investing portfolio. This podcast is based off the book Saving Your Future - A Step by Step Guide to Wealth Development by Sean P Moran If you are interested in the book, check it on: Amazon: www.amazon.com/Saving-Your-Futur…ent/dp/1494255510 Google Play: goo.gl/bEf4Ui

In this episode we discuss the pros and cons to buying a car and what things to consider from a financial perspective. APOLOGY: I got a new computer and it didn't recognize my external mic. I promise the audio quality on all my other episodes will be better! I would love to hear from you and start the dialogue. Email me at movingtowardcoaching@gmail.com his podcast is based off the book Saving Your Future - A Step by Step Guide to Wealth Development by Sean P Moran If you are interested in the book, check it on: Amazon: www.amazon.com/Saving-Your-Futur…ent/dp/1494255510 Google Play: goo.gl/bEf4Ui

In this episode we talk about student loan debt and how it is starting to consume people. I talk about how to minimize it and how you can get a great education at a low cost, citing several examples. This podcast is based off the book Saving Your Future - A Step by Step Guide to Wealth Development by Sean P Moran If you are interested in the book, check it on: Amazon: www.amazon.com/Saving-Your-Futur…ent/dp/1494255510 Google Play: goo.gl/bEf4Ui