Beyond Finances show

Beyond Finances

Summary: Take control of your personal finances and make better money decisions. Eric Roberge, CFP and Kali Roberge share how use your money as a tool to enjoy your life now while still doing strategic financial planning for the future. This is the show for anyone who wants to change their mindset and go from financially stuck to self-made wealth. Join in on these intimate conversations to improve your financial situation, reach financial success, and get more of what you want from your life.

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 5 Ways to Elevate and Optimize Your Finances | File Type: audio/mpeg | Duration: 23:04

37: Let's go beyond the basics to look at how you can optimize your savings, get strategic with debt, and level up how you invest to grow wealth. Today, we want to kick it up a notch and help you see how you can go from good money move, to better, to BEST most optimized strategy to use in your financial plan. We're going to look at 5 good pieces of financial advice… and then tell you how to optimize each aspect of your financial life. Full show notes:

 Following Warren Buffett's Advice, and an Argument for Optimism | File Type: audio/mpeg | Duration: 17:20

36: In this episode of the show, we discuss the opportunity you might want to capitalize on and at the very least, why you should NOT stop making your regular contributions to the market. Most importantly, we also lay out our argument for why feeling optimistic about the future makes sense for long-term investors. Join us to get some perspective to remember that "right now" does not mean "forever" hear plenty of reasons to feel good about the future. Show notes:

 Can You Have Too Much Cash? (Spoiler: Yes, and It's Risky) | File Type: audio/mpeg | Duration: 21:48

35: Here's what you need to know to determine how much cash you actually need on hand, and what to do with extra funds if you have them. Today on the podcast, we explain: —The formula to use to determine how much cash you need —How we chose the exact amount to keep in our emergency fund (and why it's low) —Why too much cash can pose a risk to your long-term goals —How loss aversion can stop you from capitalizing on wealth-building opportunities —The right way to deploy cash into the mark

 Avoiding Short-Term Distractions When You Have Long-Term Goals | File Type: audio/mpeg | Duration: 26:04

34: We share thoughts on dealing with the coronavirus scare and current market volatility, before diving into this rebroadcast on the dangers of short-term decisions that fail to account for LONG-term goals. To win a long-term game, you need to learn how to maintain your view of the forest that is your entire time horizon of many decades—rather than just pressing your nose up against the tree of today and failing to see anything else but what’s right in front of you.

 Stop Seeking Perfection with Your Financial Decisions | File Type: audio/mpeg | Duration: 17:46

33: Who doesn't want to get their money right? When making financial decisions, you probably want the CORRECT answers. But aiming for perfection can actually hamstring your progress and lead you AWAY from the best financial choices for your goals — and your life. In this episode, we talk through what's truly important to understand if you want to improve the quality of the financial decisions you make every day and for the long term. Find full show notes at

 Why You Need Financial POWER (Not Financial Freedom) | File Type: audio/mpeg | Duration: 27:41

32: What if the pursuit of financial freedom actually leaves you with fewer options and feeling more stuck than ever before? Financial freedom sounds nice, but it comes with a lot of potential pitfalls that fans of the "FIRE" movement don't like to talk about. We discuss those downsides today while also sharing a NEW strategy for enjoying more of your life not just in the distant future, but RIGHT NOW. Tune in to discover a better way to grow your wealth and learn how to experience financial POWER.

 The Most Important Question in Personal Finance: What Is Enough? | File Type: audio/mpeg | Duration: 21:45

31: What's ENOUGH for you? This is the most important question in personal finance and yet most people have no idea how to answer it. But if you know your enough, you can balance your need to invest for the future with the reality that your life happens NOW and you don't want to miss it. We discuss how to find "enough," why frugality isn't an effective operating system forever, and the importance of testing out goals and dreams NOW instead of waiting for the future.

 Are You Sabotaging Your Shot at Financial Success? | File Type: audio/mpeg | Duration: 22:38

30: The most common thing that stops people from achieving their financial potential? Themselves. "Learned helplessness" is a phenomenon that can keep you from success, and it happens when you experience struggle or suffering that you feel is out of your control. Today, we share how to manuver around this subconscious habit so you can proactively improve your financial situation. Check out the full show notes for references, suggesting reading, and more:

 How to Enjoy Life Now and Still Plan Responsibly for Tomorrow | File Type: audio/mpeg | Duration: 28:35

29: We revisit what it means to freely enjoy your money today while still taking the right steps to build your wealth and plan responsibly for the future. Tune in to learn: — How to spend better to fully experience life — What you should save for future financial security — If it's possible to save TOO much — How we can combat the irrational thinking that leads to money mistakes & more, so you can enjoy life today while still planning responsibly for the future. www.BeyondYourHammock

 How to Make 2020 a Financial Success | File Type: audio/mpeg | Duration: 23:45

28: Now is the time to take the necessary actions if you want to make 2020 a great year for your personal finances. In this episode, we share 6 major considerations you can use to help guide your year-end financial planning — along with a few suggestions for what to focus on in 2020 to make it a financially successful year. Show notes at

 Should You Rent or Buy? Use This Framework to Figure It Out | File Type: audio/mpeg | Duration: 28:17

27: You've heard renting is throwing money away or a house is always a good investment. But is it true? Forget general rules of thumb; forget what you feel pressured to do; forget what you've heard about buying always being better or renting never being a good idea. This show is will help you settle this debate as it applies to YOUR life, so you can confidently decide to keep renting or to start house-hunting. Find full show notes at

 Use Your HSA the Right Way: A Quick Guide on the Best HSA Strategy | File Type: audio/mpeg | Duration: 15:40

26: An HSA is one of our favorite tools for growing wealth — but the problem is, most people have no idea how beneficial they are OR how to leverage them for maximum financial advantage. We're changing that with this episode of the show. Today, we explain everything you need to know about HSAs, how they can help you pay less in taxes, how to determine if one is right for you, and what to do to turn this little account into a giant financial advantage. Show notes at

 The 3-Part System We Use to Save 40 Percent (or More) of Our Income | File Type: audio/mpeg | Duration: 24:18

25: Your savings rate is one of the most important metrics to track if you have big ambitious goals. So how do you know what is enough and how can you increase how much you put away? We're sharing: -- The minimum you should invest for the long term -- Why we save 40-50% of our income & how we set that target -- Our 3-step process for saving half our income year after year Ready to take your ability to grow your wealth to the next level? This one's for you! Show notes:

 Managing Competing Priorities and Financial Goals with Our 4-Step Process | File Type: audio/mpeg | Duration: 19:08

24: To paraphrase the great Ron Swanson, this is the show you need if you want to stop half-assing a lot of stuff that seems important but you're not sure what's MOST important — and start whole-assing the essential priorities that you know mean the most to you. By following the 4-step process we share in this episode, you can manage competing priorities and improve your chances of successfully achieving your goals and experiencing your ideal life. Full show notes here:

 3 Ideas to Save More and Spend Less Without Feeling Deprived | File Type: audio/mpeg | Duration: 18:03

23: Conversations on budgeting and saving money don't have to translate to "here's what you have to give up." We want to enjoy life now AND plan responsibly for tomorrow, and in this episode, we talk through three (stupidly simple) ideas for actually making that possible to do. These tips will give you easy-to-implement ways to create wiggle room in your budget so you can enjoy more choice over how you use your money and get more of what you REALLY want. Show notes:


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