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Jake Of All Trades

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Jake Of All Trades

Jake Rivas: Financial Advisor To Millennials

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Every week Jake Rivas, Financial Advisor To Millennials, will hit the streets, coffee shops, and restaurants to get raw feedback from YOU about the real financial obstacles you are facing today. Jake will help you take the guesswork out of managing your money choices while curating and sharing the best advice and insights into making smart money choices. Jakes Two Cents will help you navigate credit, financial debt, saving for the future, student loans, mortgages, travel, money, lifestyle, a ...
 
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show series
 
We all know that giving can make us feel good, be part of a community, and help those in need. There are education charities, food banks, arts nonprofits and much more. Why and how much you give is a personal matter. However, there are many tax advantages and benefits to giving. On this episode and the next episode we will be going in-depth on 5 ta…
 
On this episode Jake and Kirk discuss some of the espoused causes of the recent supply chain meltdown and how it will affect your life. Kirk also poses a potentially unexplored reason for the meltdown. https://www.linkedin.com/pulse/kinks-global-supply-chain-from-j-i-t-j-i-c-edward-yardeni/?trk=eml-email_series_follow_newsletter_01-hero-1-title_lin…
 
On the show we have discussed the growth in work from home but we have neglected to exam the harms this may cause for younger workers. As a new worker in the workforce, there are many unseen benefits to working in an office environment around co-workers. How can new workers navigate this new world and how can companies help them? *“Tax preparation,…
 
Americans got richer in the second quarter of 2021. How does this happen given a slowing economic growth? We discuss what a net worth is and what a household is. Why are these important for you in your planning? Jake breaks down different ways of evaluating your wealth. Jake and Kirk also discuss the federal debt and how this is related to househol…
 
CNBC reported on a survey done by a large investment firm, where they found “ideal” saving benchmarks to aim for based on your age. How much should you have in investments by the time you are 30? 40? And so on? These benchmarks are quite lofty and neither Jake nor Kirk hit them! Is it all over for the financial duo? Not necessarily. Join us for a d…
 
This is a common question that Jake Rivas gets from his clients. In this episode Jake and Kirk discuss College Savings Accounts pros and cons and how to navigate them in a world where higher education (and its value to your young students) is ever changing. *“Tax preparation, planning, IRS representation, and business valuation services offered thr…
 
As incomes and net worth may rise in your life, this is a common question. How much actual cash to keep in the bank? What percentage should one keep in the bank versus paying off debt versus using it for investments? Of course this is a very personal question but Jake and Kirk discuss some ways to approach this question and provide some tips. *“Tax…
 
Both Jake and Kirk are going on trips and are considering whether or not to get the car rental insurance. Of course the rental agencies will be insisting upon this. But is it superfluous? Jake provides some alternatives you may not be aware of. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Ta…
 
You may have been offered a Health Savings Account (HSA) from your employer. Although there are similarities with more traditional health plans provided by your employer, there are important differences. Many people believe HSAs are a non-starter, due to their higher deductibles. While each case is different, there are times when an HSA may be the …
 
In this episode Jake and Kirk discuss the idea of taking money from your paycheck and buying stock in the company that provides your paycheck. Is that too risky? How can you ensure you don’t lose on big upsides if your company is a hot stock item right now? What do you think? Do you invest in the company you work for? *“Tax preparation, planning, I…
 
On this episode Jake and Kirk discuss a new way some governments are taxing those who use the roads: Tolls that use GPS. Kirk goes on an epic rant about government roads, while Jake takes a more measured view. Is this the future of roads? Can the government charge everyone who uses the roads based on how many miles they drove? Will this encourage p…
 
You may have noticed some extra fees on your credit cards lately. What are those and why are they occurring? Banks are finding new ways to charge their customers, and you should be aware of them. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate …
 
If you are under the age of 40, there is a good chance that you have no idea what life would be like if the Federal Reserve raised the interest rates. In the past, the interest rates have been as high as 18%! On this show we will talk with economist Kevin Moore about what interest rates are, how they are set, and what indicators we should look out …
 
The wealthy are borrowing more than ever. With the stock market still on the rise, many of the wealthy have utilized borrowing techniques to fund their lifestyles. While this technique often requires a large investment portfolio, there are lessons that everyone of any wealth status can learn. https://www.wsj.com/articles/buy-borrow-die-how-rich-ame…
 
On this episode we have special guest, iFinancial’s Kevin Moore, come on the show to update us on what is occurring in the housing market. Of course, we all know that housing prices are going up. Knowing that prices are going up and knowing what are the causing are two different things. On the show we discuss the various causes, and how knowing wha…
 
Michael Scott from the TV Show “The Office” is having money problems, and everyone in his world has advice—bad advice! So Jake Rivas and Kirk Barbera are here to help. They will watch a clip from The Office episode “Money Problems” and give some thoughts and advice on what can be learned from this episode. For fans of the show, it is the famous “I.…
 
On the show Jake and Kirk discuss a “secret” back-door trick to boost your contributions. Jake explains the benefits of an IRA and why boosting it can be beneficial. They also describe scenarios where this secret method might be useful for different people. *“Tax preparation, planning, IRS representation, and business valuation services offered thr…
 
We all know that biases exist—”but not me! I’m never biased.” Even if you don’t think that to yourself, you may act that way without know it. Many biases are subtle and hidden. In this episode Jake and Kirk discuss four big hidden biases that most Americans suffer from, and how to become aware of them. https://www.cnbc.com/2021/05/25/some-of-your-b…
 
In the world of algorithms and AI is it still necessary to hire a CFP? Can’t robots do it all for us? Jake and Kirk discuss various online programs that can do a good job at helping you to manage and invest your finances. But is it sufficient? Also, at what point can robots not do what a human is able to do? These are some questions that Jake and K…
 
Now that the pandemic is (mostly) over, people are ready to go out and spend money again! On this episode, Jake and Kirk share some thrifty ways to spend your money. While it is true you get the quality you pay for, it is also true that there are a ton of money wasters out there. If you are purchasing anything from a small home appliance to a car, …
 
Pop Star Britney Spears has been in the news once again, not for making another album, but for a desire to gain her independence back. The 39 year old pop star has what is called a “conservatorship” applied by law on her life. This law, reserved for the very elderly or the mentally ill, allows a guardian control over a person's finances, and in som…
 
We tend to think that when dealing with money and investments we should completely shut off our emotional valve. And, often, this can be good advice—especially if you are making an “emotional” decision rather than an “intelligent” one. However, your emotions are important pieces of your financial puzzle, and without them you may find yourself going…
 
Numbers are rational and humans are irrational. Right? In this episode Jake and Kirk talk about how using a numbers only approach to your finances can be just as bad as using an emotions only approach to your finances. So how do you navigate through this maze? Tune into the show to hear Jake and Kirk give you some tips and advice. *“Tax preparation…
 
Jake and Kirk discuss the new trends in Texas Real Estate, with a focus on San Antonio. You may have heard about the outrageous bids on houses, many times over the asking price. What is causing this? How long can it last? And what long-term effects might it have on the market? *“Tax preparation, planning, IRS representation, and business valuation …
 
Americans have recently paid off big chunks of their credit card bills, and it seems as though this trend may continue. Banks are starting to lose revenue. This means that banks are searching for ways to actively increase your credit card maximum. The more you have and the more you spend, the more likely you will hold a balance, and thus have inter…
 
To talk more in-depth at some of the trends that mutual fund managers are considering for the future, we brought on Kevin Moore, principal advisor at I*financial (Jake’s CFP firm). Kevin has also worked as a mutual fund manager, so he provides unique insights into how the investing world considers these trends and why you should too. *“Tax preparat…
 
Jake and Kirk have done multiple shows discussing what they think the future of the hybrid workplace will look like. In this episode, they discuss how this is actually starting to take place. In a recent Financial Times article, author Emma Jacobs, explains how businesses today are starting to change their policies and structure based on a hybrid m…
 
There is a new trend where investors are desiring more than mere "financial returns" from the companies that they invest in. Now, some investors want a good return and that these companies are held up to their values. These are ESG investments (Environment, Social, Governance). Is this new movement a true change in the way companies operate or is i…
 
On this episode Jake and Kirk discuss some of the ways that mutual fund investors think the world will look like in 2030. A major part of investing is looking to the future. Often we can be completely wrong about the future, particularly when we are viewing it too specifically (e.g., what specific companies will succeed or fail). But from a broad p…
 
In this episode Jake and Kirk discuss three methods of giving away your money to charity. Obviously, you can just hand over cash or a check, but there are smarter ways where both you and your charity of choice can benefit even more! Tune in to learn all about Donor Advised Funds, Charitable Lead and Charitable Remainder Trusts. *“Tax preparation, p…
 
Although the old art of pickpocketing has been dying down, new methods for stealing people’s identity have risen. There are things in your wallet that may increase your chances of having your identity stolen. In this episode Jake and Kirk discuss what’s in their wallet, and some of the items to be wary of carrying around with you. They also discuss…
 
On this episode Jake and Kirk discuss some tips and considerations for this important question. Many people think that simply due to the low interest rates they must refinance their homes. You may be right. However, there are some things to keep in mind while you are doing your shopping (for instance you can do too much shopping and this can be ver…
 
In this episode Kirk discusses a new financial situation where he is in a position to consider hiring a CFP. Jake discusses the ins and outs of hiring a CFP as well as when you should and when you should not hire a CFP. He also discusses various aspects of financial advisors that are important for people at various parts of their career. When does …
 
President Joe Biden has made his proposed tax hike. What is in his proposal? How much of it will likely pass? What could this mean for your wallet? Jake and Kirk will take a look at each proposal and discuss its implications for those directly and indirectly impacted by the tax change. *“Tax preparation, planning, IRS representation, and business v…
 
Today Jake Rivas and Kirk Barbera are joined by guest Jake Cousineau to discuss his book “How to Adult.” Jake is the author of a book for young adults titled How to Adult: Personal Finance for the Real World. You might even recognize Jake from his $50k Wheel of Fortune payday! In this episode we delve into Jake Cousineau’s financial advice and his …
 
We have all heard the phrase “buy American,” from both Republicans and Democrats. President Biden is again proposing measures to ensure a buy American program. Jake and Kirk discuss the economics of buy American, how it may affect your wallet, and why a global economy is a really good thing for everyone who participates. *“Tax preparation, planning…
 
DEBATE NIGHT! With Jake and Kirk. On this special edition of Jake of All Trades, Jake and Kirk debate the question of whether or not billionaire’s should exist. Jake takes the negative and Kirk takes the positive. Of course, they don’t mean whether we should jail or deport billionaires, but rather should billionaires be subject to extra taxes or li…
 
A little bit of snow and the whole world (or Texas) loses its mind! Jake and Kirk discuss their experiences during the power and water outages in central texas. Many people of course were much more negatively affected than Jake and Kirk. There are, however, lessons we can all learn from this fiasco. *“Tax preparation, planning, IRS representation, …
 
On this episode Jake and Kirk discuss Biden’s proposed changes to 401ks. We also discuss, once again, the difference between political rhetoric and political action. If these changes take place we will create another episode explaining them. For this episode, we discuss what those changes would look like if implemented as Biden proposes. We also di…
 
As we have mentioned on previous shows, even with a democrat controlled House and Senate Biden cannot accomplish everything he wants. Though, it may feel like he will with this new, almost 2 Trillion dollar stimulus proposal. Jake and Kirk take a look at the major proposals and how they believe they will be impactful, or, maybe not as much. Also, t…
 
Though the investment app boasts no commissions, there are several strategies the company uses to make money. Some of these strategies seem familiar to us and some may be unique. One of them, Jake and Kirk believe, is actually quite dangerous! *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax…
 
There are a lot of myths and misinformation about what was going on with Gamestop. Jake and Kirk set the record straight with some of the facts regarding the strange case of Gamestop and the cliff that hasn’t happened (yet!). On this show you will learn about short selling, the value of investors, and why the market operates based on sound principl…
 
Laws passed in 2020 are beginning to take effect. Some of these laws will affect your wallet. Namely, alterations to 401k, social security and laws governing subscription services. On this episode Jake and Kirk go through the ones that are most likely going to affect you and discuss how to navigate them. *“Tax preparation, planning, IRS representat…
 
Jake and Kirk discuss the ever prevalent issue of inflation. This time with an eye toward how 2021 will likely see a large jump in inflation. Inflation can seem like a simple idea but it can get quite confusing. Jake explains the mindset you need to have when thinking about inflation in 2021 and beyond. *“Tax preparation, planning, IRS representati…
 
President Biden now has a Democrat controlled House and Senate. Does this mean he can rule with dictatorial power? Absolutely not. In this episode we discuss the main barriers to Biden’s agenda and what he will be able to do during his term. We also talk about an important avenue the democratic party will likely take, something called “Budget Recon…
 
We would all like to think that 2021 will be all sunshine and roses. While Jake and Kirk are mostly optimistic about the future (especially in comparison to 2020!) there are some important financial challenges to prepare for in 2021. On this episode, Jake will break down some important technical jargon regarding central banking policy, and how a ch…
 
Jake and Kirk discuss a WSJ article written by a city planner who proposes some interesting new ways that big cities like London, NYC and San Francisco might develop in a post covid world. They also discuss some of the ways rural and urban areas might change, with big companies helping to build out “zoom towns” from existing places like Jackson, Wy…
 
For those who have made plans based on past projections of the future, you may be in for a shock. On this episode, Certified Financial Planner Jake Rivas discusses some of the mistakes people are making when planning for their future. Jake and Kirk also discuss the larger economic and political meaning of our current situation, and what it could me…
 
After High School Kirk worked for an MLM (Multi-level-marketing) company called “Vector Marketing.” Often, legitimate MLMs like Vector (they sold Cutco Knives) and Mary Kay are presumed to be pyramid schemes. In this episode Jake and Kirk discuss how to tell these different “money making” methods, and how to know if someone is asking you to do some…
 
During the Holiday season there are always a spike in scamming. The most common scams are sometimes hard to spot, and we sometimes let them happen to ourselves. Often, it is our good natures which is our biggest foil. Check out these common scams and how to avoid them. This is a particularly good episode to share with our parents, as retirees are t…
 
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