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Welcome to the Caffeine & Cash Flow Podcast with Financial Advisor Michael Schulte of WestPac Wealth Partners. Are taxes, market volatility, inflation and other risks draining YOUR energy and YOUR portfolio? If you need need help planning how to tackle these financial headwinds, then this is the show for you! New episodes bi-weekly. Visit our website for show notes, resources, more information and to contact Michael at CaffeineCashFlow.com. Or call 702-767-4897.
 
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show series
 
Market volatility became the norm in 2022. Are we in for more of the same in 2023? On today’s show, we’ll talk about the market outlook for the next 12 months. We’ll also share tips on how you can best prepare for potential future volatility. No matter how you handle volatility, your financial advisor should be there to help guide you through the r…
 
We work with a lot of business owners, and a common question we get is about creating an exit plan for when they want to retire or sell their business. This type of financial planning often gets overlooked, but it is so crucial to get right. There’s not a lot of planning in the financial services industry around selling your company. That’s unfortu…
 
As we approach the end of the year, saving money on taxes becomes a bigger focus for many people. Today we’re focusing on some of the most common retirement planning questions about taxes. We’ll talk about mistakes to avoid and how a proper plan can make a significant difference in your tax savings. We’ll also explain why a tax deduction is not a d…
 
Just like the lights on your dashboard can indicate if something is wrong with your car, like low tire pressure or leaking oil, there are indicators in your financial life that might point out that you have a problem that needs to be addressed. On today’s show, we’ll explain why your net worth, your view of retirement and your thoughts on nursing h…
 
Bonds have been a pretty hot topic this year. And, oftentimes, people misunderstand how they work and what role they play in a proper financial plan. On today’s show, we’re addressing some of the misinformation and explaining why this has not been a good year for bonds. A lot of people consider bonds to be the safe and conservative part of their po…
 
Today we're checking out some headline news. Are the negative news stories as bad as they seem? And how should you react when you read news that could impact your finances? We’ll give you insight into what is portrayed in the media and what is reality. It’s so hard to get unplugged in 2022. You always have media and news at your fingertips. But we …
 
When the markets take a tumble, people often wonder, where is the bottom? We’ve gotten this question from clients quite a few times lately, so we wanted to address it on today’s show. Mathematically speaking, we can tell people pretty close where the bottom of the market is for their mix of assets. There are no surprises if you dial in the math. In…
 
People have many reasons for procrastinating when it comes to putting a retirement plan together. Today we’ll explore some of those excuses and why they can be dangerous. We’ll also share how to overcome them. In this episode, we’ll share: Why you need to plan for retirement, even if your parents didn’t and they turned out “fine.” (3:01) What to do…
 
You’ve most likely heard plenty of “rules” you’re supposed to follow to retire successfully. Some of these rules are stated so confidently, you’d be crazy not to immediately accept them as fact. But we don’t mind the threat of being called crazy, so let’s dive into some of the most popular retirement “rules of thumb” to see if they truly lead us do…
 
Every industry has some dirty little secrets. Today we’re letting you in on some of the financial world’s secrets. How many of these are you familiar with? What we discuss in this episode: 2:09 – No one knows 7:35 – Not that important 11:52 – Skill and luck 16:56 – Bold opinions More Information: http://savingtheamericandreampodcast.com…
 
Sometimes in life you hit a financial crossroads of crisis and opportunity. We’ll explain how to find the good when bad times are happening. What we discuss in this episode: 2:23 – Empty nest crisis 5:07 – Bear market crisis 11:32 – Layoffs More Information: http://savingtheamericandreampodcast.com
 
It’s no secret the stock market is in turmoil. We’re in a bear market and the R-word (recession) is getting thrown around daily. So, what can you do to survive bear markets like the one we’re in now? We’ve collected advice from various commentators and “experts” from across the country. You might have even heard some of this advice yourself. But sh…
 
How prepared are you for retirement? Do you know how much income you’ll need and what retirees fear the most? Today we’re testing your knowledge to see if you have what it takes to retire successfully. What we discuss in this episode: 2:36 – Start saving 8:08 – Best estimate 12:34 – Fear the most 15:37 – Diversified plan 21:30 – Withdrawing money 2…
 
If you’re counting down the days until retirement, we have a checklist of things you need to keep in mind. We’ll help you get ready for the big day and make sure you are ready financially and otherwise. What we discuss in this episode: 1:50 – Getting healthy 4:00 – Free time 5:54 – Work 7:17 – Save more 9:26 – Debt 11:02 – Risk 14:24 – Emotion 17:2…
 
Can I retire at 55? We get this question a lot, especially with the recent trend of people trying to retire earlier. Most people don’t know if they can retire early, but we can help. What we discuss in this episode: 1:02 – Can I retire at 55? 3:16 – How many want to retire early? 4:00 – Social Security 5:48 – Retirement accounts 7:31 – Health care …
 
Is now a good time to buy Twitter stock? Should I send my child to an expensive private college? Do I have too much money in the bank? We’re answering these and other questions from our listeners today. What we discuss in this episode: 1:52 – Invest in Twitter? 8:02 – Private college 10:20 – Financial advisors and budgets 11:24 – Crying about money…
 
Financial media often uses fear and pessimism when reporting. It drives ratings and sells. But watching too much of that could be harming your financial peace of mind. What we discuss in this episode: 2:11 – Facts about financial media 5:52 – Money anxiety and Mark Cuban 9:38 – Magazine covers 13:58 – Predicting collapse 18:03 – True bottom 21:20 –…
 
Last episode we talked about market crashes and what they are. Today we’re sharing how you can prepare yourself for possible market crashes. What we discuss in this episode: 1:58 – How to prepare 4:41 – Emotions 6:59 – Handling market corrections 9:10 – Downturns happen 10:45 – Help from your advisor 11:50 – Crashes can create opportunities 13:47 –…
 
People sometimes ask: Are we going to have another market crash soon? With Ukraine and Russia in the news, as well as inflation, people have been worried about possible World War III and their finances. We’ll share some historical background on market crashes. What we discuss in this episode: 2:34 – What is a market crash? 5:42 – Historical rate of…
 
After listening to today’s episode, you’ll never attend another baseball game with the family and look at it the same way. We’re going to show you how taking some of baseball’s most basic principles can also lead to financial success in your retirement portfolio. So, grab your peanuts and crackerjacks and let’s take the financial field. What we dis…
 
The ongoing conflict between Russia and Ukraine is making news all over the world. People are concerned about the humanitarian crisis, as well as the economy. On today’s show, we’ll talk about how wars have historically affected the market. What we discuss in this episode: 1:28 – Wars and the market 2:40 – World War II 4:03 – Korean War 4:50 – Mark…
 
Today we’re answering your mailbag questions. Should a dentist sell his building and his business? How do you prepare for divorce financially? We’ll answer these and other questions on today’s show. What we discuss in this episode: 1:28 – The most epic way someone was fired or quit 3:43 – Dentist wants to retire 6:04 – Getting a divorce 7:17 – Whol…
 
There are some things in life you can’t predict, but you can try to plan for them. For example, when is the next market crash going to happen? We don’t know, but you can prepare for it. On today's episode, we'll discuss some common things we can't predict but how we can still make a plan for them anyway. What we discuss in this episode: 1:10 – Rams…
 
On this episode of Saving the American Dream, we’re talking about children and why they need to become part of your retirement discussion. We don't want to coddle our children by any means, but our money typically goes where our heart is, so this is an important discussion to have. Read more and get additional finanical resources here: http://savin…
 
Just like football players don’t want to fumble the ball in the red zone, you don’t want to fumble your finances as you get close to retirement. We’ll explain how to protect your finances. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/retirement-strategy/ep-24-dont-fumble-your-retirement-in-the-fin…
 
Welcome to our final episode of 2021. On today’s show we’re talking about the importance of legacy planning and what you need to know to make your plan a success. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/estate-planning/ep-23-sorting-out-the-importance-of-legacy-planning/403/ What we discuss i…
 
You might not be able to follow through on all 22 of these resolutions, but implement even just a few of these and you’ll be well on your way to a more prosperous financial life in the coming year. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/retirement-strategy/ep-22-22-money-resolutions-for-2022…
 
Are you a later bloomer when it comes to saving for retirement? Don’t worry, we’ll share some opportunities that can help you make up some lost ground. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/retirement-strategy/ep-21-opportunities-for-retirements-late-bloomers/232/ What we discuss in this ep…
 
We all cut corners occasionally, but how can this hurt our financial plans? While we may think we can get away with cutting some corners, we will end up hurting our financial future if we do so. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/retirement-strategy/ep-20-quit-cutting-corners-in-your-fin…
 
Different types of accounts have different tax consequences. Let’s talk about those advantages and disadvantages in different types of accounts and how you use them (or don’t) in your retirement planning. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/podcast/ep-19-tax-consequences-for-different-acc…
 
This year has been pretty rough for business owners. The pandemic has not only affected profits, but also owners’ retirement plans. Find out what advice we have for business owners who are struggling with how to handle retirement. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/?p=217&preview=true Wh…
 
Even if you have a solid financial plan in place, things can quickly get out of tune if you don’t make adjustments from time to time. Let’s talk about some of the areas where we often see people get out of tune in their financial plans. Read and get additional financial information: https://savingtheamericandreampodcast.com/retirement-strategy/ep-1…
 
What do NFL quarterback battles have to do with your finances? We are going to explain how the similarities can be quite revealing. Plus, we’ll answer some of your mailbag questions about business loans and more. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/podcast/ep-16-how-football-relates-to-yo…
 
Today is all about me, Michael Schulte, and what makes me tick. What is my background? Who influenced me? What frustrates me? Let’s have some fun pulling back the curtain on my thoughts, dreams and influences. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/podcast/ep-15-what-makes-me-tick/194/ What …
 
Most people understand that a customized retirement plan is much better than a one-size-fits-all approach. And yet, most people don’t have a plan that’s truly customized. We’ll share some of the things that need to be considered if you’re going to build a truly customized plan. Read more and get additional financial resources: https://savingtheamer…
 
Are you an emotional spender or someone who loves to do research before making a purchase? No matter how you spend money, it’s helpful to know your personality type so you can best plan for retirement. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/?p=177&preview=true What we discuss on this episode…
 
Common sense is actually quite uncommon, especially when it comes to financial planning. Here are some common sense money approaches you need to know. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/podcast/ep-12-learning-through-uncommon-sense/172/ What we discuss on this episode: 2:42 – Buy low, se…
 
Today, we’re talking about financial topics in the news, including the travel sector and campaign donations. Find out how these things can affect you and your planning process. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/podcast/ep-11-from-travel-to-campaign-donations-financial-topics-in-the-news…
 
On this episode of Saving the American Dream, we’re talking about financial planning during President Biden’s administration and how you should adjust your plan to meet potential changes that are coming with the new administration. Read more and get additional resources here: https://savingtheamericandreampodcast.com/retirement-strategy/ep-10-finan…
 
Today, we’re answering your most pressing financial questions about 401ks, mutual funds and inflation. Let’s jump into the mailbag. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/podcast/ep-9-mailbag-401ks-mutual-funds-and-inflation/152/ What we discuss on this episode: 2:06 - Can I leave 401k to so…
 
Pensions are not as popular as they once were. Why are they becoming extinct, and how are people now saving for retirement? Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/retirement-strategy/ep-8-why-pensions-are-becoming-a-thing-of-the-past/146/ What we discuss on this episode: 1:10 – Pensions beco…
 
Let’s talk about some of the areas of your financial life where you might be flirting with disaster and don’t even know it. Disaster and retirement are not two words you want associated with each other. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/retirement-strategy/ep-7-are-you-flirting-with-fin…
 
What can we learn about retirement planning from watching a basketball game? There are some fascinating similarities between the two. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/retirement-strategy/ep-6-how-financial-planning-is-like-basketball/133/ What we discuss on this episode: 3:20 – Shot cl…
 
Is this a good time to buy bonds? Should I hire a younger financial advisor? How much should I save for retirement? Let’s dive into the mailbag and answer these and other questions. Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/investing/ep-3-mailbag-questions-bonds-retirement-savings-and-more/102/…
 
If you’ve been around the internet long enough, you know to avoid the comment section. We slipped up and scrolled through a recent active on retirement and COVID-19. We’ll share the wide range of comments we came across and have a little fun evaluating them. Plus we’ll talk about times you say one thing and do another with your money before pulling…
 
Welcome to the debut episode of Saving the American Dream, where Michael Shulte of WestPac Wealth Partners will introduce you to the show and share his vision for what this will become. Read more about the show here: https://savingtheamericandreampodcast.com/podcast/ep-1-the-goal-of-this-podcast/23/
 
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