Afford Anything Podcast Por Paula Pant | Cumulus Podcast Network capa

Afford Anything

Afford Anything

De: Paula Pant | Cumulus Podcast Network
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 You can afford anything, but not everything. We make daily decisions about how to spend money, time, energy, focus and attention – and ultimately, our life. How do we make smarter decisions? How do we think from first principles? On the surface, Afford Anything seems like a podcast about money and investing. But under the hood, this is a show about how to think critically, recognize our behavioral blind spots, and make smarter choices. We’re into the psychology of money, and we love metacognition: thinking about how to think. In some episodes, we interview world-class experts: professors, researchers, scientists, authors. In other episodes, we answer your questions, talking through decision-making frameworks and mental models. Want to learn more? Download our free book, Escape, at http://affordanything.com/escape. Hosted by Paula Pant.2024 Afford Anything LLC Economia Finanças Pessoais Gestão e Liderança
Episódios
  • Q&A: How to Choose Between Financial Freedom and a First Home

    Q&A: How to Choose Between Financial Freedom and a First Home
    Oct 28 2025
    #655: What would you do if, at the age of 23, you found yourself with $70,000 a year leftover after expenses? Would you pour everything into retirement and coast to financial independence, or stockpile a down payment before life gets pricier with kids, a mortgage, and maintenance costs? This week, we dive into that real-life dilemma and explore how to strike the perfect balance between freedom now and security later. Along the way, we question whether a 0.40% fee for automated tax-loss harvesting is really worth it, and debate if the rise of mega-corporations means small-cap value investing is dead. Listener Questions in This Episode “Julio” asks: How should we split savings between Coast FI and a future down payment, and where should that down payment sit? (01:48) Lindsay asks: Is 0.40 percent worth it for Fidelity’s tax loss harvesting and how do we unwind back to self managed index funds? (32:31) Greg asks: If a handful of giants dominate, should we ignore history and tilt to only the top companies instead of broad markets and small cap value? (50:51) Key Takeaways The right savings balance may depend less on math and more on clarity about what “home” really means to you Building a down payment might be the fastest way to reach Coast FI, but not for the reason you’d expect Parking cash safely is trickier than it sounds, especially when the market tempts you with higher returns That 0.40 percent fee could be either a silent drag or a smart trade-off, depending on one often-overlooked detail The rise of mega-caps might look unstoppable, yet history has a way of surprising even the biggest players True diversification isn’t about predicting winners, it’s about protecting future you from overconfidence today Chapters Note: Timestamps will vary on individual listening devices based on dynamic advertising segments. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Are we headed for a dystopian future (01:48) A 23-year-old with a $125k income and a big savings gap 08:52) House price, down payment size, and the numbers that drive the split (10:47) The savings snowball case, match protection, and timeline trade-offs (25:14) Where to park the down payment, why cash beats stocks for readiness (32:31) Is 0.40 percent worth it for tax-loss harvesting (36:24) Fees versus claimed tax savings, turnover, and exit options (50:51) Should dystopia change our portfolio (54:36) Small-cap value beyond tech, acquisitions, and global opportunity (1:11:02) Optimism, innovation, and why investing still assumes progress P.S. Got a question? Leave it at https://affordanything.com/voicemail Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    1 hora e 14 minutos
  • How to Stop Fighting About Money

    How to Stop Fighting About Money
    Oct 24 2025
    #654: Fights about money are common, but they're rarely about math. They're about power, shame, vulnerability, and trust. And no amount of data or fancy spreadsheets is going to fix it. What you need is a better system for fairness, more open communication, and a shared ambition. In this candid conversation with Heather and Doug Bonaparte, we explore how two partners rebuilt confidence, handled their six-figure student loans, and designed a rhythm for money talks that actually works. Together they share how early money stories, law school debt, and the Great Recession shaped their dynamic, plus the tools they used to find fairness at home and in their finances Key Takeaways Why 50/50 isn't always fair and how to do it better The small ritual that turned dreaded money talks into something they actually look forward to How borrowing a strategy from the office made household decisions way less stressful The surprising fix for resentment that had nothing to do with chores or budgeting Why tackling six-figure student loans together became a turning point in their relationship The mindset shift that helped them see debt not as a burden but as a shared opportunity Resources and Links Money Together, the book DoMoneyTogether.com, learn more about the book and project The Joint Account, weekly newsletter on joint finances at ReadTheJointAccount.com Fair Play by Eve Rodsky, a framework for dividing household responsibilities Share this episode with a friend, colleagues, and anyone who is part of a couple: https://affordanything.com/episode654 Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    1 hora e 26 minutos
  • Radical Transparency in Real Estate Predictions

    Radical Transparency in Real Estate Predictions
    Oct 21 2025
    #653: What happens when we actually check our predictions? In this episode we play clips from our 2023 conversation with Scott Trench from BiggerPockets and ask the uncomfortable question: were we right? Two years ago we made some big calls about the housing market. Mortgage rates had doubled. Prices hadn’t crashed. Inventory was vanishing. Everyone had a theory about what would happen next. Now we look back with data and receipts to see which forecasts held up and which ones fell flat. Scott joined us in 2023 to talk about the lock-in effect, the shortage of sellers, and why homebuilders might be stronger than expected. At the time it sounded contrarian. Two years later the evidence is in. Homeowners with low mortgage rates are still staying put. Builders have taken market share by offering creative incentives. Multifamily supply has exploded in some cities, while small residential properties have held their value better than many expected. We revisit our old clips and grade them one by one. What did we get right about the housing market’s resilience and where did we miss? You’ll hear how rate volatility created bursts of demand, how regional migration reshaped supply, and why small investors can still find opportunities even when the headlines say otherwise. This episode isn’t about victory laps. It’s about accountability. If you’ve ever wondered whether experts truly revisit their own calls, you’ll love this one. Key Takeaways The lock-in effect remains one of the most powerful forces in today’s housing market Builders have been surprisingly resilient thanks to incentives and creative financing Multifamily oversupply is pressuring rents in some regions while small residential properties remain steady Market outcomes are more local than ever; national averages hide major differences Real estate predictions matter only if we’re willing to go back and test them Resources and Links Our course Your First Rental Property open for enrollment through October 30 at affordanything.com/enroll Chapters Note: Timestamps will vary on individual listening devices based on dynamic advertising segments. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (0:00) Why we’re replaying our 2023 predictions (4:24) The strange housing market of 2023 (5:04) The lock-in effect and vanishing inventory (6:03) Builders finding ways to keep selling homes (12:12) How rate dips created bidding wars (14:03) The construction pipeline and what happened next (37:24) 2025 check-in on prices and incentives (55:06) Regional winners and losers (58:27) Small residential versus large multifamily (1:06:08) Final reflections and what we learned Share this episode with a friend, colleagues, and anyone in the real estate space: https://affordanything.com/episode653 Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    1 hora e 2 minutos
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