Afford Anything | Make Smart Money Choices Podcast Por Paula Pant Personal Finance Expert | Cumulus Podcast Network capa

Afford Anything | Make Smart Money Choices

Afford Anything | Make Smart Money Choices

De: Paula Pant Personal Finance Expert | Cumulus Podcast Network
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45 million downloads. One question: what does it actually take to build wealth? Each week, Paula Pant brings in economists, investors, business leaders, authors, and researchers to dig into the five pillars of financial freedom — financial psychology, increasing income, investing, real estate, and entrepreneurship. Deep insights rooted in economics and behavioral finance. First-principles thinking. No surface-level tips. to hear new episodes every Tuesday and Friday. Get smarter with money. Build wealth.© Afford Anything LLC Economia Finanças Pessoais Gestão e Liderança
Episódios
  • Hope Isn't a Feeling. It’s a Skill. - with Dr. Julia Garcia

    Hope Isn't a Feeling. It’s a Skill. - with Dr. Julia Garcia
    Jun 27 2026
    727: Not sure what your next money move should be? Start with the free FiiRE Playbook 👉 https://affordanything.com/fiire Dr. Julia Garcia is a psychologist, behavioral researcher, and author of The Five Habits of Hope — and she's spent years studying why smart, hardworking people stay stuck. What if the biggest thing standing between you and your financial goals isn't your income, your debt, or the housing market — but your own brain? I sat down with Dr. Garcia to unpack the neuroscience of hope, why apathy is more dangerous than despair, and the five habits that can rewire your brain — and your relationship with money — for good. (00:00) Hope is not a feeling — it's a cognitive process (05:00) The real reason you can't save money (it's not imposter syndrome) (08:11) Hopelessness vs. despair — and why the difference matters (13:05) The biggest danger isn't despair — it's apathy (21:10) How avoiding feelings leads to avoiding financial decisions (23:45) The "maybe" technique that interrupts negative thought loops (39:26) Habit 2: Risk — why comfort is killing your courage (54:59) Habit 4: Receive — why you can't hold onto wealth you don't feel worthy of (01:01:41) Habit 5: Repurpose — seeing worth where others see waste __________ 🎧 NEVER MISS AN EPISODE Apple Podcasts: https://affordanything.com/applepodcasts Spotify: https://affordanything.com/spotify __________ 🤗JOIN OUR PRIVATE COMMUNITY: https://affordanything.com/community 🤗STAY IN THE LOOP: https://affordanything.com/newsletter __________ 🛠 TOOLS AND RESOURCES: Check out The 5 Habits of Hope, a book by Dr. Julia Garcia - https://amzn.to/4oUzoRj Dr. Garcia’s Bio - https://www.linkedin.com/in/drjuliagarcia __________ 👀 WATCH THIS VIDEO NEXT: https://youtu.be/TdiyOHkAGiY __________ 👋 SAY HI ON SOCIAL: Facebook: https://facebook.com/affordanything Instagram: https://instagram.com/paulapant X: https://x.com/affordanything #FinancialPsychology #BehavioralFinance #MoneyAndMindset #FinancialGoals Watch the video of this episode https://youtu.be/hx1fJcok6Mk Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    1 hora e 21 minutos
  • Q&A: She Has $884K Saved — So Why Can't She Retire?

    Q&A: She Has $884K Saved — So Why Can't She Retire?
    Jun 23 2026
    #726: Hey, we're mixing it up today with a super deep dive. We normally go fairly deep on this show, but today we're going even deeper and turning one caller's question into a case study. Download the Four Cornerstone Worksheet to follow along: ⁠www.affordanything.com/cornerstone⁠ An anonymous caller is reevaluating their finances after a series of health challenges, caregiving responsibilities, and major life changes. With most of their wealth tied up in retirement accounts, they’re wondering how to balance tax advantages against the need for greater flexibility and access to their money. We spend most of the episode answering this question in deep detail. At the end of the episode, we talk to another caller whose HOA hit her with a massive unexpected bill. She bought into an HOA, turned her former home into a rental, and years later was hit with a surprise $15,000 special assessment—with only months to pay and no payment plan available. Now she's wondering why the risks of HOA ownership, especially the possibility of massive special assessments, aren't discussed more often—and what prospective buyers should know before purchasing in an HOA community.” We'll dig into that in today's episode. Resources: Download the Four Cornerstone Worksheet: www.affordanything.com/cornerstone 7 Expensive Mistakes Real Estate Investors Make: http://afforanything.com/mistakes Video: Japan's Soccer Fans with Blue Bags Video: Norway's Vikings Fans on Escalator Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    1 hora e 20 minutos
  • What Most Families Get Wrong About Passing Down Wealth, with Andrea Baumann Lustig

    What Most Families Get Wrong About Passing Down Wealth, with Andrea Baumann Lustig
    Jun 19 2026
    #725: Most people assume their financial advisor is legally required to put their interests first. That's not always true. Andrea Baumann Lustig, a wealth advisor with 30 years of experience, joins us to walk through the blind spots she sees most often in legacy planning -- the deeply held beliefs that quietly undermine people's financial futures. We start with something most people never think to ask: how is your advisor actually registered? There are three categories. Registered representatives (stockbrokers) are held to a "best interest" standard - but they don't have to disclose when they earn a higher commission for recommending a specific investment. Fiduciaries are held to a stricter standard - they must put your interests ahead of their own. And 45 percent of advisors are dually registered, meaning they can switch between those two standards depending on which account they're discussing with you. Most clients have no idea this is happening. From there, we dig into what Lustig calls the "quarterback" problem. Many people have a financial advisor, an estate planning attorney, an accountant, and an insurance agent - but those specialists never talk to each other. Without someone coordinating the full picture, opportunities get missed and risks go unseen. We also talk through what happens when people try to manage everything themselves, why having multiple investment advisors can actually backfire (think: wash sale rule violations and hidden concentration risk), and why a revocable trust matters even if you don't think you're wealthy enough to need one. Lustig explains the three Ps a revocable trust protects against - probate, incapacitation, and privacy - and why even people in their 30s and 40s should consider setting one up now. The conversation closes with advice for small business owners on how to think about a business that might not be sellable - and how to plan around it anyway. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Intro (04:52) Three types of financial advisors explained (07:11) Fiduciary vs. best interest standard (13:21) Dangers of dually registered advisors (17:26) Why you need a planning quarterback (22:42) Risks of using multiple investment advisors (35:10) Who benefits from holistic wealth management (38:50) The three Ps of a revocable trust (42:19) Returning to the blind spots overview (45:40) Risks of managing money yourself (55:13) Key questions to ask a new advisor (1:03:34) Index funds vs. active management (1:10:04) Asset allocation and rebalancing strategy (1:19:10) Legacy planning for small business owners (1:25:54) How to spot your own blind spots Resources: Book: Legacy on the Line: Overcome Blind Spots to Grow and Transfer Your Wealth by Andrea Baumann Lustig Free download: The FiiRE Playbook Share this episode with a friend, colleagues, and your estate attorney: https://affordanything.com/episode725 Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    1 hora e 29 minutos
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