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Dollars & Sense: Financial Advice in a Language You Can Understand®
Episodes
Thursday Feb 15, 2024
Thursday Feb 15, 2024
Welcome back to a special edition of Dollars & Sense with your hosts Marc and Marion. We’re excited to launch our first video podcast just for you! We’ve spent some dollars to hopefully make some sense out of this podcast 😉. We hope you’ll continue to follow us as we provide you with financial advice in a language you can understand.
As the years have changed, the rules around financial planning and investing, along with the way we think about our financial future, has changed too. There’s a lot of impressions we have that come from our parents and grandparents, so planning in today’s world is far different than it was for previous generations.
Tune in to this week’s episode of Dollars & Sense as Marc and Marion talk about the importance of planning for your plan to not go accordingly all in a language you can understand.
A full complement of Dollars & Sense broadcasts found here.
DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.
Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.
Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.
Tracking #: 542071
Dollars & Sense podcast now streaming on:
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Thursday Feb 08, 2024
Thursday Feb 08, 2024
Welcome back to another episode of Dollars & Sense with your hosts Marc and Marion. We’re recording in our newly transformed studio today and getting ready to launch the podcast you already know and love in video format!
As our clients face retirement, they often think about how they’re going to spend their money, how they can provide support for their children, and what they can do to truly enjoy their golden years. Pay close attention, we’re about to reveal a secret that will resonate with you deeply. The memories and experiences that you create with your children and grandchildren will leave an everlasting mark, far surpassing the significance of any material wealth you may leave behind. Allow that to sink in.
Join us on this week's captivating episode of Dollars & Sense, where Marc and Marion talk about the significance of investing your resources in making lasting memories with your loved ones, rather than focusing on building an inheritance for your children, all in a language you can understand.
A full complement of Dollars & Sense broadcasts found here.
DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.
Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.
Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.
Tracking #: 538982
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Wednesday Jan 31, 2024
Wednesday Jan 31, 2024
Welcome back to another episode of Dollars & Sense with your hosts Marc and Marion.
There’s been a lot of speculation surrounding the 2 pm Fed Meeting today (1/31/24) and whether they’re going to lower interest rates. Our guess as well as most analysts out there, is that they will not be lowering interest rates – at least for now. However, word on the street suggests there could be up to four rate cuts this year. That’s important because essentially the 10-year Treasury Bond is priced off those rates. So, why is that important? If you weren’t aware, mortgages are priced off the 10-year bond. Have we got your attention yet?
Tune in to this week’s episode of Dollars & Sense as Marc and Marion talk about what the impact of a drop in interest rate means in a language you can understand.
A full complement of Dollars & Sense broadcasts found here.
DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.
Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.
Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.
Tracking #: 535458
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday Jan 25, 2024
Thursday Jan 25, 2024
Thanks for joining Marc and Marion for this week’s episode of Dollars & Sense. FASFA applications are being filled out and college acceptance letters are coming in. If you have a student graduating from high school this year who has plans of furthering their education, whether a trade school, college, or university, they are eligible to apply for our Freedman Financial Annual Scholarship. We offer $2,000 to the applicant who best answers a 500-word essay, “What Does Financial Responsibility Mean to You?” and who excels with their academic and extracurricular activities. You can put the money towards books, a new laptop, or even tuition – every little bit helps! Learn more about this on our website or by signing up for our newsletter.
For decades, we’ve been conditioned into thinking that you need to attend college and obtain a degree after high school. Now, with the rising cost of college, people are questing whether it’s worth sending their children to a secondary school.
Tune in to this week’s episode of Dollars & Sense as Marc and Marion talk about the value of college and if people’s view on the importance of it has changed in a language you can understand.
A full complement of Dollars & Sense broadcasts found here.
DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.
Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.
Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.
Tracking #: 532448
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday Jan 18, 2024
Thursday Jan 18, 2024
We’re three weeks into January and there’s a lot to unpack! The frigid winter temps are here, we’re pumped that the Boston Celtics are in first place, and we’re in the beginnings of the political primaries. Everyone has a right and obligation to vote, please make sure you exercise your freedom to do so and encourage your eligible children to vote as well.
In this week’s episode of Dollars & Sense, Marc and Marion raise the question as to why the younger generations are having more difficulty living within their means. Has the gradual shift from cash to debit/credit cards played a part in the decline of financial literacy?
Tune in to this week’s episode of Dollars & Sense as Marc and Marion talk about the importance of financial literacy in a language you can understand.
A full complement of Dollars & Sense broadcasts found here.
DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.
Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.
Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.
Tracking #: 528912
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday Jan 11, 2024
Thursday Jan 11, 2024
Marion and Christian are together again to host this week’s episode of Dollars & Sense. Everyone’s getting settled into the new year and is excited for new beginnings, a “fresh start”, healthier eating, and getting into shape. The start of the new year also means it’s Girl Scout Cookie season. The temptation is real - don’t fight it, treat yourself to these delicious cookies and support your local Girl Scouts!
This week we picked out an important topic for our listeners, understanding beneficiary IRA rules. We’re going to break down the ever-changing rules surrounding beneficiary IRA’s and provide you with financial advice in a language you can understand.
Tune in to this week’s episode of Dollars & Sense as Marion and Christian discuss what happens when you inherit a retirement account from someone in a language you can understand.
A full complement of Dollars & Sense broadcasts found here.
DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.
Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.
Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.
Tracking #: 526637
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday Jan 04, 2024
Thursday Jan 04, 2024
Happy New Year and thanks for tuning into our first episode of Dollars & Sense in 2024!
At Freedman Financial, our goal has always been to provide financial advice in a language you can understand. We’re starting off the year by crunching some numbers and having a friendly debate about median vs. mean…
Before we begin, we’re going to have a quick math lesson: to find out your net-worth, add up your assets (bank accounts, investment accounts, retirement accounts, house, car, and anything else of value that can be liquidated) and then subtract any liabilities (debt, loans against your car or house, credit card debt, student loan debt, etc.). Now back to our point – if you have 10 people and 9 of them make $90,000/annually and 1 person makes $10,000/annually, what is the mean? You’d add up each of their incomes and then divide by the number of people, which in this case would be $82,000/annually. The median, however, would be calculated by lining up those same 10 people, pushing half to one side, half to the other, and what remains in the middle in the median. If the number of data points is even, the median number is the average of the two middle data points in the list. In this case, that would be $90,000. Are you still following? Now let’s apply this same math to the overall median household net-worth which is about $192,000. That’s up from three years ago when this same study was performed and the median net-worth was $121,000. That is an enormous increase of 50%!
Tune in to this week’s episode of Dollars & Sense as Marc and Marion debate median vs. mean and discuss why there’s been such a large increase in the overall median household net-worth in a language you can understand.
A full complement of Dollars & Sense broadcasts found here.
DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.
Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.
Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.
Tracking #: 523513
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Wednesday Dec 27, 2023
Wednesday Dec 27, 2023
Thanks for joining us for our last episode of Dollars & Sense in 2023! We hope you all enjoyed your Christmas holiday like we did!
With the market being up, we’ll end 2023 on a very positive note, which is great considering what a volatile year it’s been. Morningstar, which is an independent rating service with a heavy focus on mutual funds, put out a story on the type of advice financial advisors are giving to clients as they’re approaching retirement. Once the paychecks stop rolling in, your spending habits generally change to adjust to your new monthly income.
Tune in to this week’s episode of Dollars & Sense as Marc and Marion answer the three questions posed in the recent Morningstar piece about how they help clients as they near retirement in a language you can understand.
A full complement of Dollars & Sense broadcasts found here.
DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.
Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.
Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.
Tracking #: 521186
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday Dec 21, 2023
Thursday Dec 21, 2023
Thanks for joining Marc and Marion for the second to last episode of Dollars & Sense in 2023! Christmas shopping is done and we’re ready to enjoy the quality time with our families. Christmas, family, chocolates, and gifts all put smiles on our faces, but that’s not the only thing making us smile right now…
With 2023 coming to an end, we’re ending on a very positive note. The last 7 or so weeks we’ve seen positive performance. Who would have thought that the NASDAQ would end up almost 40% at this point. Since the end of October, the S&P 500 is up about 16% - in less than two months! An interesting statistic shared by Mass Financial Services in Boston was the seven tech stocks (Apple, Microsoft, Google, Amazon, Nvidia, Meta, and Tesla), also referred to as the “Magnificent Seven” hit record highs this past month. What’s interesting is that those stocks are on average up 105% as of December 18, 2023. But, in 2022, the average of these stocks was DOWN 46%. See how quickly things change in a year? This is a prime example as to why we don’t chase the wild volatility and why a diversified portfolio is important.
Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss the stock market and ending the year on a bright note in a language you can understand.
A full complement of Dollars & Sense broadcasts found here.
DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.
Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.
Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.
Tracking #: 519513
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Wednesday Dec 13, 2023
Wednesday Dec 13, 2023
Marc and Marion are together again for this week’s episode of Dollars & Sense and to wrap up the last few weeks of 2023. Kind of crazy, isn’t it? Every year in December we find ourselves saying the same thing, “the year has just blown by.” Some things never change!
You know what else is for certain? We get older every year. It’s one of those things people don’t want to plan for but it’s a reality of life. Each week when we do these podcasts, we try to put together a topic that would be of interest to our listeners. A few times this year we’ve referenced the book The Psychology of Money written by award-winning author Morgan Housel. Morgan also just published a new book, titled, Same as Ever: A Guide to What Never Changes. When you start thinking about your future, it’s filled with hopes, wants, dreams, and expectations. Well, experts tell us, whether it’s those life things or whether it’s projections about the stock market or economics, generally only 25% of those projections come to fruition. That means your surprised 75% of the time. I don’t know about you, but we don’t like surprises!
Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss the power of control in a language you can understand.
A full complement of Dollars & Sense broadcasts found here.
DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.
Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.
Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.
Tracking #: 516865
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean