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 For almost 12 months, we've all been trying to do the best that we can. As frequently discussed on the show, we try to do things slightly different, optimize in the ways that we can, and make the best of the situation. Jonathan's wife Dani has been coming up with all kinds of creative little activities for the kids. Even Jonathan was recruited for a rock painting project. Brad has been listening to a new podcast, Ordinary Sherpa, created by Heidi, a member of Jonathan's Talent Stacker podcast. The podcast is about creating little adventures in life with your family. At the same time, in the mastermind group Brad takes part in, he was inspired by a discussion related to dads really showing up to be a part of their kids' lives. The podcast theme and mastermind group discussion converged for Brad when his daughter, Molly, asked him to go explore the creek with her. Rather than playing along for a minimally acceptable amount of time, Brad showed up like he really wanted to be there and they had hours of fun exploring together. What if you started to show up for everything in your life with the attitude that you really wanted to be there? It's difficult to be focused on growth in all areas of your life at the same time. There are different seasons when you will be able to lean into one over another but it's good to figure out a baseline you're comfortable with and recognize when it's time to rebalance. Since Brad's financial life is on autopilot, it's not something he spends much time focusing on. However, sometimes things do backslide and he needs to return a little focus to it. Such as, he recently canceled two recurring charges for streaming services, not because their costs were going to have a significant impact, but because he was no longer getting value from them. Relationships is an area Brad believes he could spend more time focusing on. If he were to ask himself, “Am I showing up as the best version of myself for my wife and kids every day?” his answer would be “no”. Who should be leaning into and leveraging their Roth 401K? Sean Mullaney, The FI Tax Guy, says the Roth 401K works similar to a 401K except the funds going in are taxable today and come out later tax and penalty-free. Those currently in a high tax bracket looking to retire early are probably better off contributing to a traditional 401K. But someone just out of college in a 10% federal tax bracket may benefit from paying 10% in taxes today rather than 20-30% later on. Even someone who may have substantial taxable income in retirement may benefit from a Roth 401K. A Roth 401K can also be a hedge against future tax rates for anyone who prefers to lock in their tax rate today. If your 401K plan offers it, you don't have to do all Roth 401K or traditional 401K. You can split the difference. For example, a 60-year-old new retiree with a large 401K will be taxed on every dollar withdrawn. We don't know what future tax rates will be. Roth 401K withdrawals don't work the same way as traditional 401K withdrawals. You can structure it in a way that you can recover tax-free contributions, From a Roth 401K, you may need to rollover into a Roth IRA. For the early retirees who don't plan to retire at a super early age or anyone with artificially low income for a few years, the Roth 401K is a strategy to consider. If you aren't 59 1/2 yet, Roth 401K withdrawals are subject to the cream in the coffee rule where 2/3 of the withdrawal is tax and penalty-free but 1/3 is subject to ordinary income tax and a penalty. This is different than a Roth IRA where contributions may be withdrawn at any age tax and penalty-free. When you roll over a Roth 401K to a Roth IRA, the Roth 401K contributions go in as Roth IRA contributions, and earnings become Roth IRA earnings. You could then take out the full amount of contributions tax and penalty-free before touching the earnings. If you aren't 59 1/2 and need to access your Roth 401 contributions, it makes sense to roll them over to a Roth IRA first. If you have employer stock in your 401K, there may be net unrealized appreciation. You do not want to roll it over from a traditional 401K to a traditional IRA without considering a tax planning strategy. This requires assistance from a tax professional. If you want to do a backdoor Roth IRA, rolling over 401K to a traditional IRA isn't a good idea. The fees associated with 401K plans have gotten better over the last 10-15 years. The investment choices are better with lower fees. It may not make sense to do a rollover. As a general rule, retirement accounts have required minimum distributions (RMDs) once you turn age 72. The exception is the Roth IRA. While RMDs from a Roth 401K are not taxable, you want to keep that money growing tax-free as long as possible for you and your heirs. If you're 72, Sean would recommend you roll your Roth 401K to a Roth IRA for that reason. Generally, you need a separation of service to do rollovers from a Roth 401K to a Roth IRA. Look for your plan's Summary Plan Description (SPD) which details withdrawals. 401K plans are subject to the ERISA law, where creditors cannot access the funds, except for ex-spouses and the IRS. IRA creditor protection varies from state to state. Something to consider before a rollover. Dani and the ChooseFI Foundation are using meal planning as a financial literacy tool. Always looking for ways to get children interested and thinking bout decision-making and personal finance, they have put together Meal Planning Made Easy. The meal planning project helps kids put financial literacy concepts into a real-world contest. The goal is to make financial literacy concepts more than just habits but to have kids take ownership and have fun doing it. In the 3rd through 5th-grade video series, Dani talks them through meal planning. They are tasked with going into a grocery store, either in-person or virtually, and planning all three meals for one day. The meal planning project is adaptable to fit every socioeconomic setting. The tasks grow as children develop. High school students may plan meals for an entire week, searching the pantry first, and finding recipes to help on the budgeting side of things, just like parents have to do. Sign up for Meal Planning Made Easy at Choosefi.com/mealplan.   Resources Mentioned In Today's Conversation  The FI Tax Guy Ordinary Sherpa Do Inner Work Roth 401K Withdrawals ChooseFI Foundation ChooseFI.com/mealplan Get started on your own journey to financial independence at ChooseFI.com/start.  If You Want To Support ChooseFI:  Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy.  Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence. 

289 | The Roth 401K and Meal Planning Made Easy

 Should you rush to reach FI? Or use it as a map in a lifelong pursuit to master your relationship with time, money, and happiness? Brandon, from the Mad Fientist, wishes he would have found more free time to work on other goals while on his journey to FI. When Brandon was first on the show four years ago, he had just reached FI and discussed the psychological hurdles he had to overcome. What's changed for him since then, and with the benefit of hindsight, what would he do differently? Brandon's dream as a child was to write music and put it out in the world. However, his musical tastes are not mainstream, so becoming a pop star was never one of his ambitions. He did not want to just be a consumer, he wanted to be a creator and always felt that it was his job that was holding him back. It wasn't until after reaching FI that he realized it wasn't was what holding him back at all. He had been spending his free time on things like television on travel instead of his music project. His problem was psychological. As a math and science guy, he didn't believe he could do it. Trying meant the risk of failure, and if he failed, the dream would be gone. It took Brandon two years to come to grips with and get over that hurdle. During his pursuit of financial independence, Brandon has tunnel vision, with all his time and effort devoted to making and saving more so that he could reach FI more quickly. The result was a decrease in his overall happiness. He admits that he did it wrong. The whole point is to master the relationship between money, time, and happiness. Mastery is probably better to focus on over goals. Goals delay your happiness because you are always looking to the future instead of enjoying the present or the journey. Reaching FI for Brandon didn't have an impact on his life other than making him more confident that he could step away from his job. Motivating yourself to do something is hard when you don't have any sort of external motivation to do it. In 2017, Brandon wanted to do two things: get better at songwriting and get fit. The personal trainer he was working with asked him how much he wanted to bench press or how much muscle mass he wanted to put on. Those were goals Brandon didn't care about. With his mastery mindset, he only wanted to get healthy and stay healthy. In contrast to getting fit, his specific goal for songwriting was to write a song and share it with his brother. When he finished it, not only was it awful, but the whole process was awful and it caused him to quit pursuing any additional songwriting until he summoned up the courage again in 2019. Pursuing mastery may be summed up by asking, “Am I better today than I was yesterday?” Continuing to answer yes is pursuing mastery. Brandon found it to be true that doing something consistently changes who you are. He never felt like a musician until he was doing it for 25 hours a week. He still feels like his triangle is skewed toward money at the expense of time and happiness so he has been trying to figure out how to use money to get more time or increase happiness. For example, he wrote eight songs and wanted to get them to sound as great as possible, so he hired a Grammy award-winning sound mixing engineer to help mix his album. He was able to both learn and make a better final product. He doesn't want to waste money but does want to figure out how to use it efficiently and maximize the triangle of money, time, and happiness. There's a lot of unconscious spending in society that doesn't really bring happiness either. Getting on the path to FI helps you sort out the equation a bit more. We're terrible at knowing what will make us happy. That's where experimenting comes in. Experiment with your spending and your activities. What still feels good a week later versus ended up being meaningless. It's okay to spend money sometimes as long as you do it from a place of value. If you are in a deprivation zone, one thing that helped Brandon was to relax for two years with respect to his spending. If it was something he and his wife wanted to do, they did it. At the end of the year, although it felt like they had lived an extravagant life, they spend just $3,000 more than normal. In the deprivation zone, you are testing the lower limits. You can test the upper limits and then hopefully find the sweet spot. It's difficult to find where the sweet spot is for you without testing the limits. Once you have the bigs things taken care of, the little ones don't seem to matter. Brandon had already limited his large structural recurring expenses. What he had given himself latitude with were the everyday one-off decisions that in aggregate, turn out to barely move the needle of his finances. Brad and his family have anchored themselves to a $2 per person per meal per day rule. It helps them to apply intentionality to their meal planning. He thinks it's better to try and optimize and then dial it back if gets to be a little too much than continue to go through life being unaware. Brandon is an introvert, so announcing publicly that he is releasing his first album is a big deal. Back when he wasn't making progress because he wasn't putting the time in, he talked his brother into going to a park and playing a show. The thought of doing it was scary, but he already knew what it was like not to it. He wanted to know what the world would be like if he did do it. While playing in the park, a man slipped Brandon his email address. It turned out he source talent for a music festival in Scotland and asked if they wanted to play at it. Brandon taking that chance in the park reminded Brad of a quote by Scott Young, “Your deepest moments of happiness don't come from doing easy things. They come from realizing your potential and overcoming your limiting beliefs about yourself”. Both financial independence and the pursuit of financial independence allow you to begin building armor. Failure is good. You have to be bad at something before you are good at it. FI definitely helped Brandon build his armor. He didn't have anyone to answer to or worry about stumbling across what he was doing. He also uses an alter ego for his work in the financial space, as well as another for his music. Something that Brand did to progress with his music was conduct an ultralearning experiment. He took three months where he blocked out all other activities competing for this attention to do the thing that he wanted to do, which was write songs. He committed to devoting 25 hours a week and built spreadsheets of prioritized tasks. He says it is the only reason he succeeded. He focused on the hours and the effort and then by-product comes out of it. For others just trying to get started learning, Brandon thinks copying what you love is a great place to start. Your unique set of influences is enough to make what you do unique. The unique skills each of them possess is what lead to this very podcast. Brad being a CPA with a travel rewards website is what got him a guest spot on Brandon's podcast. Then Jonathan heard the podcast and discovered both Brad and he lived in Richmond, which lead him to first contact Brad. Every good idea comes out of a bad idea, or an okay idea, or even a mediocre idea. You do not need to get it right the first time. The fact that you are willing to try gives you the opportunity to get feedback and iterate into something amazing. Brandon's album is available for just $5! You can pre-order your copy at ChooseFI.com/album.   Resources Mentioned In Today's Conversation  ChooseFI Episode 017 Mad Fientist and Origin Story James Clear “Forget About Setting Goals. Focus on This Instead.“  Ultralearning: Master Hard Skills, Outsmart the Competition, and Accelerate Your Career by Scott Young  If You Want To Support ChooseFI:  Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy.  Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence. 

288 | Mad Fientist

Liz and Sarah have First Day of School Syndrome AND Zoom fatigue! They discuss the First Day of School challenges of adjusting to their Fantasy Island Zoom writers room— from new faces to new group dynamics to spending hours staring at a screen— and remind themselves that in a few weeks it will all feel totally normal. Then they share how they’re embracing an atmosphere of growth in a 2021 that still feels a LOT like 2020. SPOILER ALERT: Liz is committing to Dry January, and Sarah’s determined to get outside every day, no matter the weather. Having a huge new work project definitely gives 2021 an atmosphere of growth, too. Next, they revisit one of their all-time favorite mantras: volunteers, not recruits. As they staff up (not just writers, but all departments) it’s important to remember that working with people who really want to be there is always better than working with people who have to be convinced. This week’s Hollywood Hack: keep a lipstick/lip balm by your computer!
If you want to order a Happier In Hollywood rainbow Silipint travel cup with lid, email happierinhollywood@gmail.com for more information. 
Happier in Hollywood is part of ‘The Onward Project,’ a family of podcasts brought together by Gretchen Rubin—all about how to make your life better. Check out the other Onward Project podcasts—Happier with Gretchen Rubin, Side Hustle School, Do The Thing, and Everything Happens with Kate Bowler . If you liked this episode, please subscribe, leave a review, and tell your friends!
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Happier in Hollywood

Ep. 193: First Day of School Syndrome in the Zoom Room

Maria Sharapova spent years playing tennis five hours a day, seven days a week. The result? Five grand slam wins. And an Olympic medal. Her career is a lesson in grit and determination. And shows that hard work really does pay off. Now, she brings that same determination to her business career. This week, Maria shares the secret to staying motivated in any job…even if you aren’t a world class athlete. 

In this episode, Maria shares what she was like as a competitor (9:58), how she turned pressure into motivation (13:50), and why she’s a fan of 'dressing for the job you want' (28:33).

Stay tuned at the end for a spotlight on Clare, a company simplifying the paint-shopping process, so you can create a home you love. Want to be featured? Submit yourself or a friend here. 
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Maria Sharapova, tennis champion and founder and CEO, Sugarpova: "There were so many times when I stepped on the court and I wasn't the better player, but I won that last point because...I was just mentally a little bit stronger."

The Ken Coleman Show is here to help answer your questions about career, passion and talent so you can maximize your potential and get closer to landing your dream job. Do you have a question for Ken? Call us live from 12-2 p.m. ET at 844-747-2577 or email ask@kencoleman.com.    Free Guides & Resources  The Proximity Principle Facebook Community  Subscribe to The Newsletter  Articles by Ken

"Help! I'm Addicted To Starting Businesses That Fail"

Dr. Barbara Sturm, renowned aesthetics doctor, entrepreneur, and beauty innovator, completely transformed the beauty industry through her unique approach to science-backed skincare. In 2014, she launched her eponymous skincare brand, Dr. Barbara Sturm Molecular Cosmetics, which includes a diverse range of products sold in major retailers around the world and most importantly celebrates all skin types. On this episode of Second Life, find out how Dr. Sturm used a medical background in orthopedics as a basis for her skincare philosophy—one that’s garnered a cult-like following and made her one of the most sought-after beauty professionals in the world.

Dr. Barbara Sturm: Aesthetics Doctor and Founder of Dr. Barbara Sturm Molecular Cosmetics

"How Do I Negotiate My New Job Salary Without Feeling Guilty?"

 Are you the kind of person who sets New Year's resolutions? Like many Americans, Jonathan used to set weight loss goals for the new year, but not this year. Instead, he and his accountability partner, JD Roth, spent the previous nine months working on it and began the year, at or very close to their goal weight. Not having to work on big weight loss goals is allowing Jonathan to be aware and focus on testing smaller adjustments that will make him feel better and have more energy. Brad once had an experience while on vacation that made him realize how his normal diet was causing him joint pain. He wasn't even aware he had joint pain until one day it was gone. It was only then that he understood he had a problem that needed to be worked on. When you live an examined life, you don't have to accept the things that are reducing your capacity to function as normal. Brad thought his morning smoothies were a healthy choice, but it turns out the negative impact was a sugar crash necessitating an afternoon nap. It wasn't something he noticed until he stopped the daily smoothie routine. The examined life concept can be applied to your personal finance life as well. It's not as much a goal as it is a mastery of process. Brad embraces James Clear's concept of setting up systems that work in his life versus setting goals. He has set up eight different things he wants to accomplish as a part of a system with checkpoints along the way. In an attempt to develop two new habits, Brad is habit stacking. With habit stacking, you take one habit you have and combine it with another you want to create. Brad has combined his desire to become more fluent in Japanese with moving more during the day by taking walks around the neighborhood while listening to the Pimsleur language learning app. It's not perfect, but it's a system that is working for him. Brad is also following the advice of Chris Guillebeau and conducting his own annual review. This annual review sets the big picture, the intentions, the purpose, and outcomes. It then breaks life down into different areas where concrete goals may be set, such as self, health, family, community, travel, and others. While neither has large plots of land in suburban Richmond, VA, Jonathan and Brad have both contemplated starting some sort of micro garden. Listener James wrote in to say that he's been able to cut down on his grocery bill by going a whole year eating only vegetables he's grown himself. James says knowledge isn't needed. Just try growing things. You'll learn as you go. Also, grow what you are actually going to eat. Kale is great, but not if you won't eat it. And finally, squash is king as it produces pounds and pounds of food. Start with a 4'x4′ or 6'x6′ plot of land and plant 2 summer squashes and 2 winter squashes two feet apart. Water the roots, not the leaves. If you don't have a yard, get creative like a friend with a yard, a community garden, or a local farm. In your own garden, build up your soil health with compost. When you are genuinely interested in learning, finding mentors willing to help can be easy. Jonathan's brother, Andrew who edits the podcast, has been interested in sustainable homesteading. Through the ChooseFI Facebook groups, he has found a community to learn from and is getting free room and board in exchange for work. You get so much power and understanding in your own life just by understanding the concepts of FI. You don't need to be at your FI number to achieve power and autonomy in your life. It starts the moment you decide to make small changes to make your life better. Neither Jonathan nor Andrew have reached FI, yet for all intents and purposes, they are living a financially independent lifestyle. The goal isn't to have the most money, it's to be post-money, which is beyond the point where money matters. What do you want your life to look like, and what do you need to pull that off? Suzanne sent in a question about expense ratios. She didn't know where to look to find out how much she is paying across their various investments. First, there may be a fee attached to the fund for it being executed the way it is, known as the expense ratio. Second, if access to the fund is through a financial manager, there could be an assets under management fee. The impact these fees can have on your investments is enormous. They can cost an investor millions of dollars over a 40-year time frame. Brad suggested Suzanne google the funds' names or ticker symbol and expense ratio, such as “VTSAX expense ratio”. The result should be just one or two clicks away. To reduce costs, long-term investors should use a commission fee platform to purchase funds, such as M1 Finance when investing outside of your employer.   Resources Mentioned In Today's Conversation  Chris Guillebeau's “How to Conduct Your Own Annual Review” Grass to Veggies ChooseFI Episode 248 You are More than Your Social Capital with Laura Oldanie M1 Finance Review  If You Want To Support ChooseFI:  Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy.  Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence. 

287 | The Examined Life

Katie Kimball is a self-described "medium-speed" entrepreneur but her effect on kids and families is huge. What's her secret to taking risks?

SPI 457: The Secret to Taking Risks & How to Make It Work - Behind the Scenes with Katie Kimball

It's another Q&A Mailbag episode! Topics are wide-ranging and fun, from travel tips (because someday we will travel again!), toy recommendations, postpartum fashion advice, postwork rituals, and conversation starters for your kids at dinner. 
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Best of Both Worlds Podcast

Q&A Mailbag Episode! Ep 181

Dr. Timothy Clark discusses the specific benefits and behaviors associated with high-performing, psychologically safe teams. 




— YOU’LL LEARN — 

1) How to combat the culture of fear 

2) Why to encourage intellectual friction 

3) Tips that boost your credibility at work 




Subscribe or visit AwesomeAtYourJob.com/ep635 for clickable versions of the links below. 




— ABOUT TIM — 

Tim is founder and CEO of LeaderFactor and is based in Salt Lake City, Utah. 

Tim ranks as a global authority in the fields of senior executive development, strategy acceleration, and organizational change. He is the author of five books and more than 150 articles on leadership, change, strategy, human capital, culture, and employee engagement. He is a highly sought-after advisor, coach, and facilitator to CEOs and senior leadership teams. He has worked with leading organizations around the world. 

• Book: The 4 Stages of Psychological Safety: Defining the Path to Inclusion and Innovation 

• Guide: Behavioral Guide 

• LinkedIn: Timothy R. Clark 

• Twitter: @timothyrclark 

• Website: LeaderFactor.com 




— RESOURCES MENTIONED IN THE SHOW — 

• Book: The Effective Executive: The Definitive Guide to Getting the Right Things Done by Peter Drucker 




— THANK YOU SPONSORS! — 

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635: Shifting your Team from Survival to Performance through Psychological Safety with Dr. Timothy Clark

Do you want a business that gives youTotal Freedom?  You need these 4 keys to get there. If you’re somebody who struggles to create duplication in your team (which means YOU recruit prettily easily, but your new team members just can’t seem to do the same) it’s most likely because you have a problem with your onboarding system. And of all the systems you need, ONBOARDING is the most important. Here’s why… A properly designed onboarding system gives you the leverage when it comes to…  Creating duplication in your team Developing strong, independent leaders  The problem though is that most people EITHER do not have an existing onboarding system at all… OR they have an existing system but there’s WAY too much information…which overwhelms new people. Either way, you’ll find that duplication will break down, and you’ll never unlock the greatest gift of Network Marketing →  Residual income. Check out this week’s podcast episode now to discover the 4 essential keys to a super-effective onboarding system – and how you measure up against them! NEED HELP with systems? www.legacyleadershipacademy.com

208: The 4 Keys to an Effective Onboarding System

Casey Knips is a lead carpenter in Minneapolis, MN he joins the guys to discuss an interesting co-op business model and,much more. Tune in for a great one! Where to find our guest: https://www.instagram.com/caseyknips/ This episode is brought to you by Duration Moulding and Millwork. DURATION is the industry leader in Poly-Ash moulding, millwork, beveled siding, and custom siding. Our products are available throughout the U.S. https://www.durationmillwork.com/ https://www.instagram.com/durationmouldingandmillwork/ Where to find our hosts: Nick Schiffer  https://www.instagram.com/nsbuilders/ https://bit.ly/nsbuildersyoutube Tyler Grace  https://www.instagram.com/trghomeconcepts/ John Hourihan https://www.instagram.com/heresjohnnyh/ https://www.instagram.com/vintagebuilders/ The Modern Craftsman https://www.instagram.com/the.moderncraftsman/ Music: "Dessert" by Nate Gusakov 

The Modern Craftsman Podcast

#156 Lead carpenter Casey Knips

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THE #1 WAY THIS REP CONNECTS WITH CLIENTS AND CRUSHES HIS NUMBER

 When it comes to investing strategies, one of the most influential books available claims that if you keep it simple, you'll actually do better. Here to talk about the philosophy behind his investment strategy is one ofChooseFI's most requested guests, JL Collins, author of The Simple Path to Wealth, and popular blog series, The Stock Series. The influence of JL Collins cannot be overstated. The content he produced changed the trajectory of Brad's life and made him feel comfortable investing. In 2011, JL's daughter was in college but was turned off of all things financial after he pushed too hard. Because he wanted her to know how to invest and handle money, he decided that he needed to write it down for when she was ready. It was suggested that he archive the advice in a blog and share with friends and family. Much to his surprise, strangers began to find it and he quickly had an international audience. The book came out of the growth of his blog. Always having the ambition to write a book, The Simple Path to Wealth became a more organized and concise compilation of his blog articles. Four years later, 2020 has been its best selling year and the success has greatly exceeded expectations. Readers have responded positively to the authenticity of his writing, which he believes is because he was writing for his daughter. Now that she is a young adult, she's been receptive to the information and is now on board with the strategy presented. For Brad, investing always seemed like something that required thousands of hours of understanding and special insight until he began reading The Stock Series on JL's website. It gave him hope that he had a chance at long-term success for wealth that would last for many decades. JL acknowledges the method in the book is the last and best method he came to after going through other iterations involving picking stocks and actively managed funds. The other methods work, but they are harder and a lot less powerful than a low-cost index fund. JL says this method isn't just for beginners, it's the best way to invest for everybody. The most powerful way to invest is the simplest and the easiest. He realized that not everyone wants to think about investing the way he like thinking about it. Most people know it's important, but have more important things they want to do with their lives. His approach allows them to set it and forget it. The investing world is complex by design because the more difficult it is to understand, the more Wall Street can charge in fees. Jack Bogle, the founder of Vanguard, was the first one to invent index funds and talk about index fund investing. Because outperforming the market as a whole is extraordinarily difficult, only 20% of fund managers in any one year can do it. After 30 years, the percentage of fund managers that can do it is less than 1%. Even Warren Buffet wrote in his 2013 Berkshire Hathaway shareholder letter that he would advise the trustee of his estate to invest 10% in government bonds and 90% in a very low-cost S&P 500 index fund. A mutual fund, or similarly, an Exchange Traded Fund (ETF), takes money from a lot of investors and lumps it together to invest it in something. The S&P 500 index invests in the 500 largest US companies that make up the S&P index, while an actively managed mutual fund may focus on a different parameter, such as energy or technology. An actively managed fund attempts to pick stocks that over time will outperform the index which is an expensive route and reflected in what the investor pays for the fund, called the expense ratio. Every fund has an expense ratio, but what matters is how high it is. Because index funds don't have those expensive fund managers, the fees are very low. JL's most recommended Vanguard fund, VTSAX, has a 0.04% expense ratio. Actively managed funds average 1%. The impact 1% has compounded over time is dramatic. On a $1M portfolio, you may be withdrawing 4%, or $40,000, each year, while 1%, or $10,000, goes into the pockets of those managing your portfolio. That's money not going to you or working for you by growing over time. In an article Brad wrote several years ago, he looked at the impact fees had on an investment portfolio. With a 1% expense ratio and/or a 1% fee for assets under management, the fees over a 40-year period cost millions of dollars. Owning index funds means you own all of the companies within that index, both the winners and the losers. VTSAX is Vanguard's total stock market index fund which invests in virtually every publicly-traded US company. There is very little difference between VTSAX and the S&P 500 index fund since VTSAX is capweighted, meaning it owns more of the largest companies. Only 15-20% are small or mid-cap companies. JL loves index funds because they are self-cleansing, meaning that you benefit from the winners while the losers drift away. The worst you can lose is 100% on a company, but you can gain 200% or even 1000% with the winners. Tesla is a great example of the upside. An S&P 500 index or total stock market index fund is essentially the same regardless of which brokerage firm it is purchased from. JL prefers Vanguard because it is structured where its interests are identical with the investors. The investors own the Vanguard funds which helps to continually drive down costs. The impact of changing from a fund with a 0.04% fee to 0.02% or even 0% isn't tremendous. JL prefers to stick with a company like Vanguard that favors the investor over the owner. Another thing Vanguard is trying to do is make investing more accessible. They have lowered the minimum investment for VTSAX from $10,000 to $3,000. Those without an initial $3,000 to invest can opt for VTI, the Exchange Traded Fund version of VTSAX. VTI is primarily a trading vehicle that any amount of money may be invested in. Like a stock, buy and sell orders are executed immediately, while index funds prices are set at the close of the business day. Traditionally, investors have needed to purchase whole shares of ETFs. Companies like M1 Finance have made it possible to buy fractional shares. It would be wonderful if we could time the market, but it's more important to have time in the market. The best way to lose money is to try and dance in and out of the market. Trying to time the market does not work. When the market began to drop during the beginning of the COVID pandemic, JL held strong in his conviction that no one knew what the market was going to do. The important thing to do is to stay the course. You have to expect market drops during your investing lifetime. JL says no one should follow his advice unless they are absolutely clear that they will not sell when the market drops. Selling is not an option. Market drops are temporary. After Black Monday in October 1987, JL, despite knowing better, lost his resolve and sold near the very bottom of the market. He didn't buy back in until the market had completely recovered. Now, market fluctuations don't bother him. Roughly 20 companies make up 30% of your holdings in an S&P 500 index fund. Any company or sector that rises to the top means you'll own more of it. When those companies fade away, the individual who owned them in an index fund will fare better than an investor who owned them as a single stock. The most powerful companies today will not be the most powerful companies decades from now. Of the original companies making up the DOW, not a single one remains in the DOW. With an index fund, you never have to worry about what's fading out or what's rising. You will always be there.   Resources Mentioned In Today's Conversation  ChooseFI Episode 019 The Stock Series Part 1 with JL Collins  If You Want To Support ChooseFI:  Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy.  Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence.   

284 | JL Collins Returns

If you’re a new entrepreneur, it may seem like a dream to sell a business for millions of dollars. People like Chris Younger, make that dream a reality. Chris founded Class VI Partners, an investment bank that helps entrepreneurs plan and prepare businesses for sale. Chris will be the first to admit that selling isn’t an easy process, it takes time, patience, and a lot of documentation.

Chris compares selling your business to running a marathon: you need to be in it for the long haul to finish strong. He helps owners reach a price point that works for their future, and helps create the processes around selling that enable a new owner to carry the business to new heights. For many owners, success in selling comes from doing the hard work upfront, not putting it off for your future self (and employees) to deal with.

So why would an entrepreneur want to sell? Maybe it's personal timing and they feel like they’ve given the business as much as they possibly can. It also could be business timing, the business may be seeking a new change in direction. Or it could be buying timing, a buyer comes in with the right offer, the right ability, and makes the sale.

Whatever a reason for selling a business, a business owner needs to be prepared for their business to sell at some point. So even if you’re just starting out, hearing words of wisdom from Chris may net you a few more million dollars!

Check the full show notes here: http://biggerpockets.com/bizshow91

91: How Businesses Get Sold for Millions with Chris Younger

In this episode of The Ziglar Show we talk about customer service. And here is the crux; delivering your product or service perfectly and expertly, is...not...enough. That will not win you customer loyalty and referrals. You’ll continually be frustrated at losing clients to competitors. You won’t get the referrals from customers that you’d expect. Delivering your product perfectly is simply meeting the initial hopes and expectations the customer had. Even if nobody else on the planet delivers as perfectly as you do, doesn’t matter. The only way to get your customers to come back to you time and time again and refer others to you is if you over deliver. Nobody does it, but it’s not hard. I asked the audience, “What do you do to create customer or client loyalty? What do other businesses do that earn YOUR customer loyalty?” I’m going to give you a 3.5 minute clip from Zig Ziglar where he explains going beyond customer service to customer satisfaction then Tom Ziglar and I talk through many of the comments to the question and lead a class on how to own your customer for life.
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856: You Can Own Your Customer By Overdelivering

Did 2020’s red-hot real estate markets catch you by surprise? Get ready because Sacramento-based Realtor Kyle Renke believes homes will sell just as fast through 2021. Tune in and discover why adaptable action takers will dominate in fast-moving markets this year. You’ll also learn how to win clients via Zoom and get tips from Kyle on running virtual showings like a pro. Plus, we discuss how to make working from home work for you.
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Real Estate Rockstars

948: Are You Ready for 2021’s Red-Hot Real Estate Markets? Realtor Kyle Renke

Liz and Sarah have just staffed their new show, the remake of the iconic series, Fantasy Island! They talk through the staffing process — from reading scripts to writer meetings to creating group chemistry. Their main message: If you don’t get the job, it’s not personal. In From The Outer Office, Liz and Sarah introduce their new assistant, Kimberly Chiang, who talks about what it’s like to work with people she’s never met in person. The short answer? It’s weird. This week’s Hollywood Hack has changed Liz and Sarah’s work life: the Nulaxy Laptop Stand.
If you want to order a Happier In Hollywood rainbow Silipint travel cup with lid, email happierinhollywood@gmail.com for more information. 
Happier in Hollywood is part of ‘The Onward Project,’ a family of podcasts brought together by Gretchen Rubin—all about how to make your life better. Check out the other Onward Project podcasts—Happier with Gretchen Rubin, Side Hustle School, Do The Thing, and Everything Happens with Kate Bowler . If you liked this episode, please subscribe, leave a review, and tell your friends!

Kimberly’s Foster Instagram: https://www.instagram.com/fosterborks/

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Ep. 192: The Demystification Of Staffing (& Meet Kimberly!)

Are you thinking to yourself, ‘“What the heck is Clubhouse??!” If the answer is ‘yes!’ -- don’t worry – you’re not the only one!! Clubhouse is the newest social media platform that is getting a TON of buzz.  But, it’s also only available to a small group of people right now, those that are Apple device users and who have also been invited by another Clubhouse member to join. On today’s Biz Tip Friday, I am giving you a sneak peek into my own personal Clubhouse experience over the last week and how I’m utilizing it for my business! My team has seen some crazy results already, so much so that I felt the need to share it with you. Clubhouse is providing a huge opportunity for YOU right now. At the moment, there is an overflow of listeners and a small amount of creators, making it the perfect time for you to get on there and start connecting with people.  Click Here to Download ios app! Once you’re on the app, let’s connect! Search for @bobheilig and hit “follow” and then the little bell icon. Then hit “always notify” so you get a notification every time I start or schedule a broadcast! So, is Clubhouse the next big thing?! While I can’t tell you if it’s the next big thing, I can tell you it is the thing right now. It’s a HUGE opportunity for you to grow and connect with people you never would have been able to, in a way you never would have been able to.