『Afford Anything』のカバーアート

Afford Anything

Afford Anything

著者： 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 マネジメント・リーダーシップ リーダーシップ 個人ファイナンス 経済学
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  • Q&A: We Saved $1.2 Million But We’re Still Renting. Should We Buy?

    Q&A: We Saved $1.2 Million But We’re Still Renting. Should We Buy?
    2025/06/10
    #615: Emily is nervous that buying their first home will derail her family’s journey to financial independence. What’s the smartest way to deploy their savings and stay on track? Based on cap rate calculations, Paul’s real estate investments have appreciated beyond their sensible holding point. Should he sell his assets, or is there more to consider here? Mike is recently retired while his wife still works. With a paid-off home and healthcare already taken care of, what are best practices for drawing down an investment portfolio? Former financial planner Joe Saul-Sehy and I tackle these three questions in today’s episode. Enjoy! P.S. Got a question? Leave it here. For more information, visit the show notes at https://affordanything.com/episode615https://affordanything.com/episode615 Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    1 時間 12 分
  • First Friday: The Dollar Is Weak, Bonds Are Expensive, and We Owe WWII-Level Debt

    First Friday: The Dollar Is Weak, Bonds Are Expensive, and We Owe WWII-Level Debt
    2025/06/06
    #614: The US just added 139,000 new jobs in May. That beat expectations. But the real story isn't in the job numbers — it’s in the bond market. Something unusual is happening in bonds. Treasury yields are spiking. The dollar is weakening. That combination almost never happens together. And it's signaling concerns about future inflation. Trade wars continue on. A federal court just struck down some tariffs. The administration will appeal. Meanwhile, the EU has until July 9 to cut a deal. If they don't, 50 percent tariffs kick in. As a result, many companies are playing defense instead of growing. The debt situation keeps getting worse. We owe $36.2 trillion. That's more than we owed at the end of World War II as a percentage of our economy. Moody's just downgraded our credit rating. We're not alone — Britain's bonds just hit their highest levels since 1998. The accredited investor rules could finally change. Right now you need an income of $200,000 ($300,000 as a couple) or $1 million in net worth to access private markets. Those numbers haven't changed since they were written in 1982, even though adjusted for inflation, that $200,000 would be $662,000 today. The SEC might start loosening enforcement of the accredited investor rules. That could open up more investments to people who've been locked out for decades. Crypto is finding its footing. The SEC dropped cases against Coinbase. They're backing away from treating most crypto like securities. Bitcoin sits near all-time highs. The US keeps building its strategic Bitcoin reserve. The House just passed what's being called the "One Big Beautiful Bill." It extends 2017 tax cuts. Eliminates taxes on tips and overtime. The Congressional Budget Office says it'll add $2.4 trillion to the deficit over 10 years. That's sparked debate between deficit hawks and growth advocates — including one particularly high-profile debate that has been plastered across the headlines. Consumer sentiment stays stuck at 2022 lows. People expect 6.6 percent inflation. The actual rate is 2.3 percent. That gap between what the data says and what people feel shows up everywhere. We cover all of this in today’s First Friday economic update. Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    56 分
  • Rachel Rodgers: This Multimillionaire Started With $330,000 in Debt and a $41,000 Salary

    Rachel Rodgers: This Multimillionaire Started With $330,000 in Debt and a $41,000 Salary
    2025/06/03
    #613: Rachel Rodgers graduated from law school with $330,000 in student loans. Her starting salary? Just $41,000. Most people would have accepted this crushing debt-to-income ratio. They'd slowly chip away at payments for decades. Rodgers had a different plan. She deferred her loans and started her own virtual law practice in 2008 — during the recession, when jobs were scarce and most lawyers were struggling to find work. Her mom thought she was crazy. Her first year, she made around $65,000 in gross revenue with only $300 in overhead costs. By year two, she was earning $300,000. The key to her success wasn't cutting expenses or living on rice and beans. Rodgers focused entirely on earning more money. We talk about the practical steps she took to scale her business. She waited until hitting $250,000 in annual revenue before bringing on her first full-time employee — an administrative assistant who immediately paid for herself by responding to client inquiries faster than Rodgers could manage alone. Rodgers also shares insights from a CEO's perspective on what employees should know when asking for a raise. Understand your company's goals. Know your boss's pain points. When you spot a problem, bring three solutions — not just the issue. She usually goes with whatever option her team recommends. "You are the asset," she explains. This mindset applies whether you're an entrepreneur or an employee trying to maximize your career potential. Our interview covers her transition from solopreneur to multimillion-dollar business owner, her approach to leading employees, and her philosophy on building wealth through entrepreneurship rather than cost-cutting. 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. (0:00) Introduction (2:00) Rachel's $330,000 debt with $41,000 salary (5:35) Why earning more beats cutting expenses (6:40) Starting solo law practice during 2008 recession (9:13) Hitting $300,000 revenue in year two (11:00) Debt payments versus business reinvestment (14:20) Small Business Bodyguard digital product success story (21:00) Virtual law offices and perfect timing decisions (24:30) Taking calculated risks (39:00) Financial independence and Fat FIRE goals (46:00) When to hire employees (53:00) Why opportunity costs matter more than expenses (57:00) Being invaluable employee from boss POV (1:11:00) Salary negotiation tactics (1:19:00) Building relationships with remote team members (1:21:00) Launching adult kids into financial independence Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    1 時間 37 分

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