Our goal... Be more than just another boring personal finance podcast. How do we do it: - We interview individuals at different points along their financial journey to provide you motivation and ideas. From student loans to retirement. - We dive deep into the mental side of money so you can achieve true financial freedom. - We do episodes where we take individual finance topics and deeper dive into them. These aren't your typical finance topics either... Come join the party...
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SAVE, PAYE, ICR Doomed? | Student Loan Forgiveness Update
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8:02
SAVE was brought to court to stop it. However, todays hearing implies there are major changes coming to PAYE as well. Student loan forgiveness may not be taking place for a number of plans. Be sure to listen to this update if you are currently on an income-driven repayment plan. Get Expert Student Loan Help: https://www.fitbux.com/student-loan-plan…
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An Expert's Checklist For Student Loan Repayment | Avoid Costly Mistakes
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9:12
Are you sure you’re on the right path with your student loan repayment? In this podcast, Joseph Reinke, CFA breaks down everything you need to know to make the best financial decision for your student loans. Whether you’re just starting repayment or already a few years in, this expert checklist from FitBUX will guide you through every step, ensurin…
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$987k In Debt To Fortune | Naseema's Insance Financial Turnaround
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34:44
What would you do if you were $1 million in debt? In this episode, we sit down with the incredible Naseema McElroy (@financiallyintentional), a nurse practitioner, mom, and financial powerhouse, who didn’t just tackle that level of debt—she turned it into almost $1 million in assets! 💸 Naseema shares her inspiring journey, from struggling with fina…
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From 0 to 700k+ Subscribers: How Mike Mutzel Turned Passion Into Influence & A Business
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44:44
In this inspiring FitBUX podcast episode, Joseph Reinke sits down with Mike Mutzel, founder of High Intensity Health ( @Highintensityhealth ) Myoxcience, to dive deep into his journey from passionate health advocate to successful business owner. Mike shares the invaluable skills he’s learned along the way, the connection between health and financia…
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Financial Planning Vs Budgeting: How To Achieve True Financial Success
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9:09
In this episode, we dive deep into the differences between financial planning and budgeting, exploring how each plays a crucial role in achieving true financial success. Discover how I transformed my financial situation and gained financial freedom through effective strategies that go beyond just managing expenses. Learn the importance of financial…
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Expert Real Estate Update: Latest News, Potential Recession, and The Impact On You!
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46:04
In this episode of our economic update, we dive into the major financial news impacting the markets. We start with an in-depth analysis of the latest financial numbers—it's technical, but don't worry, Josh breaks it all down clearly and concisely. In the second half, we shift our focus to the real estate market, discussing how these recent developm…
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Ultimate guide To Compound your way to Financial Freedom
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7:51
Welcome to "The Ultimate Guide to Compound Your Way to Financial Freedom," a podcast dedicated to helping you unlock the secrets of compounding to achieve financial independence. Hosted by a seasoned wealth management expert and the founder of FitBUX, this podcast provides actionable tips, innovative strategies, and real-life success stories to gui…
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Student Loan Repayment Loophole Saves $1,000s
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7:07
Uncover a little-known student loan repayment loophole that has the potential to save you thousands of dollars in the long run. In this informative podcast, we will carefully explore the intricacies of how this loophole operates, ensuring that you grasp the concept fully. Our step-by-step guide will walk you through the process of leveraging this l…
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Breaking News: Biden's SAVE Student Loan Plan In Jeopardy!
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8:32
In this episode, we discuss breaking news on President Biden's student loan repayment plan, SAVE, which faced four significant setbacks this week. Join us as we analyze the implications of these developments and what they mean for student loan borrowers moving forward.
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Bad 401k TikTok Advice: Expert Reaction
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13:02
Our financial expert reacts to some of the worst 401k advice I've seen on TikTok. As a financial expert, I get DMs daily about questionable financial tips floating around the internet. Today, I'm breaking down a viral TikTok claiming that 401ks aren't worth it. Spoiler alert: some points are valid, but there's a lot of misleading information too. I…
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The Acolyte & Inside Out 2 Teach Us An Investment Lesson That Saves You $1,000s
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19:49
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19:49
Join us as we delve into how The Acolyte and Inside Out 2 come together to provide a valuable investment lesson that has the potential to save you thousands of dollars in the long run. We will explore in detail how to attain financial freedom by implementing intelligent money management techniques and investing strategies specifically designed for …
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We've helped 10,000s Qualify For PSLF. Here's How!
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8:45
In this episode, Joseph Reinke, CFA demystifies the Public Service Loan Forgiveness (PSLF) program and guides you through the essential steps to qualify. Despite many believing they don’t meet the criteria, most borrowers with Direct Loans are inherently eligible. If your loans are not Direct Loans, we discuss the nuances of loan consolidation and …
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In this podcast episode, Joseph Reinke discusses how two FitBUX members use pscyhology to rethink debt and reduce their financial related stress. In one instance, the FitBUX member has a low interest rate mortgage debt. Although his savings account is earning more interest, he is stressed about having a 300k balance on a mortgage. In the other inst…
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What Is Human Capital | Generate A Lot Of Wealth By Knowing What Human Capital Is.
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18:01
Join Joseph Reinke, the founder of FitBUX, as he explores the often overlooked concept of human capital and its critical role in achieving financial wellness and freedom. In this engaging podcast episode, Joseph addresses a common concern among young professionals: the daunting reality of debt and negative net worth. However, he brings a fresh pers…
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President Biden's new Student Loan Debt Relief Proposal
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20:00
Welcome to the latest episode of our podcast, where we delve into the heart of financial wellness and empowerment for the modern young professional. In this special episode, our founder and leading financial expert, Joseph Reinke, takes an in-depth look at the newly announced plans for student debt relief. With a fine-tooth comb, we dissect the pro…
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Avoiding Costly Mistakes On IDR Student Loan Plans
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25:56
In this Podcast, Joseph Reinke, CFA, founder of FitBUX, dives deep into the complex world of Income-Driven Repayment (IDR) plans for student loans. Discover the common pitfalls that borrowers face, including miscalculated monthly payments due to both borrower and loan servicer errors, and learn strategic ways to avoid them. Whether you're married a…
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How A Tax Refund Works and What You Should Do With It
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9:17
In this episode, we're discussing how a tax refund works and what you should do with it. "I'm so happy my tax refund is a lot this year." Does that sound familiar? While initially pleasing, a large tax refund might not be as beneficial as it seems. We'll explore why receiving a hefty tax refund indicates you've provided the government with a zero-i…
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Is Buying A House About To Get Cheaper? - Weekly Financial Update 3.22.24
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13:12
In this podcast, we dive deep into the news that is shaking up the American real estate market. A landmark antitrust ruling against the National Association of Realtors has led to a historic $418 million settlement that's poised to transform how homes are bought and sold in the U.S. What does this mean for you? Whether you're buying, selling, or ju…
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This Couple Generated $750k In Tax Free Money!
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10:04
Joe discusses a FitBUX Couple that were able to convert $100k of a 401k to a Roth IRA thereby generating approximiately $750k in tax-free retirement money. Plus, they can access the 100k anytime they want to without penalty! Need help? Be sure to join FitBUX.De către Joseph Reinke
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Avoiding The Pitfall: The Critical Mistake Student Loan Borrowers Are Making Between SAVE vs PAYE
12:09
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12:09
In this enlightening episode of the FitBUX Podcast, we dive into a critical and timely topic that resonates with many high-income earners and married couples—making the right choice between SAVE and PAYE for student loan repayment. With PAYE on the brink of expiration, our host, Joseph Reinke, CFA and founder of FitBUX, sheds light on the nuances a…
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Weekly Financial Update 3.8.2024
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11:04
In this pivotal episode of the FitBUX Podcast, we dive deep into the recent announcement from the Department of Education, extending the Income-Driven Repayment (IDR) plan recertification deadline to no earlier than late September 2024. Amidst the swirling confusion and concern within our vibrant community of students and new graduates, this episod…
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This Student Will Generate 600k In Tax Free $$$
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11:36
In this episode, Joe discusses a FitBUX member who is a student and had $60k in a 401k. He illustrates how this student was able to do a roth conversion ladder and turn that money into tax free money that he can access penalty free if he chooses to post graduation. In addition, if he leaves it in the Roth IRA until retirement, he'll have $600k in t…
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Roth Conversions Unveiled: A Game-Changer in Your Financial Strategy
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13:59
In this enlightening episode of the FitBUX Podcast, we're focusing on a topic that could significantly impact your financial future: Roth Conversions. Join our host, a seasoned financial expert with a deep understanding of asset management, as we unravel the complexities and advantages of converting your Traditional IRA into a Roth IRA. What You'll…
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Unraveling The IDR Tax Bomb & How To Save For It
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14:16
Today on the FitBUX Podcast, we're tackling the often-overlooked but crucial topic of the IDR Tax Bomb. Join us as we explore the nuances of income-driven repayment plans and their potential tax consequences. Our financial experts will break down the complexities of student loan forgiveness and its impact on your fiscal health. Plus, we'll share st…
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Emily's Story: Married Filing Separately OR Not, IRAs, Financial Planning
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18:48
In this enlightening episode of our financial podcast, we delve into the real-life story of Emily, a FitBUX member who faced a common yet complex dilemma many married couples encounter: whether to file taxes separately or jointly when dealing with student loans. Emily, like many others, found herself at a crossroads, balancing the intricate dynamic…
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Avoiding The Most Common Mortgage Trap
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17:02
In this episode, we share the journey of a FitBUX member — and a dear friend — who almost fell into the trap of a high-risk adjustable-rate mortgage. As we dissect his story, we unravel the dangers of going for the seemingly attractive lower rates without fully understanding the long-term implications. We expose the essential questions most first-t…
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How To Take Advantage Of Roth Conversions As A Traveller
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9:18
In this episode, Joe discusses how travel healthcare workers can take advantage of Roth IRA Conversions to generate tax free funds in the future. Need Help? Be sure to join FitbuxDe către Joseph Reinke
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The Double Debt Consolidation Loophole For Parent PLUS Loans
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11:21
Welcome to the FitBUX Podcast, where we decode the complex world of student loans, helping you to leverage loopholes and strategies like the "double debt consolidation" to ease your financial burden. Join Joseph Reinke, CFA, as he simplifies the daunting process of loan repayment. In this episode, Joseph discusses the Parent PLUS loans and how both…
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Avoiding The Financial Trap Most People Fall Into
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11:26
Join us on this episode as we delve into a prevalent financial pitfall - lifestyle creep. We’ll unravel a real-life case study of a couple who, despite a significant income increase, found themselves living paycheck to paycheck. This podcast will not just expose the intricacies of this financial trap, but also equip you with actionable advice on ho…
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Housing Outlook 2024 With Josh Mettle
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56:27
Join us on this insightful episode as we delve into the intricacies of the housing market with experts Josh Mettle of NeoHome Loans and Joseph Reinke, Founder of FitBUX. We dissect the events of 2023, exploring why home prices remained steadfast despite soaring interest rates, and make informed predictions about the housing market's trajectory in t…
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Weeky Financial Update 11.11.23 "Messed Up Student Loan Payments"
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20:01
In this week's episode of FitBUX podcast, host Joseph Reinke, dives deep into the complex world of student loan repayment plans, discussing common errors and effective strategies for dealing with loan services. He underscores the importance of using a reliable calculator to estimate payments and highlights the current "on-ramp" scenario introduced …
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FitBUX Weekly Financial Update 9.29.23
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12:09
Welcome to another edition of FitBUX's Weekly Financial Update, your trusted source of noteworthy financial news tailored specifically for the 20 to 40-year-old demographic. As always, we're here to provide you with the most recent and relevant information on student loan updates, developments in the real estate market including mortgage rates and …
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Interview with Student Loan Expert, Mark Kantrowitz
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39:17
Welcome to our enlightening discussion with student loan expert, Mark Kantrowitz. As a celebrated author, consultant, and a well-quoted resource for over 10,000 publications, Mark has carved a niche in the realm of student loans and college financial planning. From testifying before Congress to appearing on high-profile shows like Susie Orman, Mark…
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Are you worried about getting ripped off by financial planners or investment advisors? In this podcast, I'm going to discuss how investment advisors can cost you a lot of money with an actual example from someone using FitBUX's technology and service. Learn the basics of how financial advisors get paid, as well as two primary ways they make money. …
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IDR Uncovered: Clearing Up The Confusion Before Repayment Starts
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16:40
Welcome to "IDR Uncovered," where we delve deep into the perplexing world of Income-Driven Repayment (IDR) plans for student loans. This podcast is designed to enlighten, inform and guide you through the intricacies and potential pitfalls associated with IDR. We'll confront the widespread confusion surrounding IDR, clarifying the differences betwee…
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This week we talk about the new student loan repayment plan SAVE going into effect as well as the new PSLF update taking place in California and Texas. For home buying and investments we discuss affordability of housing and if its going to get better any time soon. Need help with your financial plan? Get help at https://www.fitbux.com…
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Term vs Whole Life Insurance: Which One To Use?
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11:17
Are you trying to decide between term life insurance and whole life insurance? Confused about the differences, advantages, and disadvantages of each type of policy? There's a significant difference between the two and why you would use each one. Listen to this podcast for an in-depth look at both policies so you can make an informed decision. Get a…
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SAVE: How It Works and Whom Its Best For
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20:56
In this podcast, we discuss the new SAVE student loan repayment plan which has been designed to reduce student loan payments in the near term. We will talk about how it works, what features are staying the same and also when it will become available. We'll also look at some of the situations where SAVE can make sense and share tips for applying for…
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First Time Home Buyers Podcast
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26:18
Are you a first-time home buyer? Do you need help understanding the complex world of mortgages, loan-to-value ratios and calculating how much mortgage you can afford? Listen to our podcast and get all your questions answered! We'll cover essential topics like debt-to-income ratio, different interest rate types, paying points on your mortgage and mo…
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Super Roth IRA: A Little Known Strategy For High Earners
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14:03
Are you looking to maximize your retirement savings and secure your financial future? Then a Super Roth IRA could be the perfect option for you! In this podcast, we discuss what a Super Roth IRA is, how it works, who should consider investing in one, and the risks associated with investing in this type of account. Tune in to learn more about how ov…
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The Economic Impact of Student Loans Restarting - Reaction To New York Times Article
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26:39
In this episode of the podcast, Joe will discuss a recent New York Times article examining the economic impact of student loans restarting. He'll look at examples from the article to explain how individuals can avoid making costly mistakes and then add his thoughts on what kind of economic repercussions we could see when repayment starts again. Tun…
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Are you interested in learning more about student loan debt and the different political views on how to address it? Join us for this podcast as we discuss GOP and Democrat approaches to student loan reform. We'll dive into the five bills proposed by Republicans that focus on providing students with more information before they attend college, cutti…
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Banking Products: Checking, Savings, Money Market vs CDs
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8:05
Are you confused by the differences between checking accounts, savings accounts, money market accounts and certificates of deposit (CDs)? In this podcast I will explain each type of account in detail so that you can make an informed decision about which one is best for your financial goals. Plus, I'll provide some tips to help you get the most out …
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From MD to Lending Business: Meet Doc2Doc cofounder Kenton Allen & Learn From His Incredible Journey
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37:46
Learn about Kenton Allen's incredible journey from a medical doctor to the co-founder of Doc2Doc, an online lending platform specifically designed for medical professionals. In this video, Kenton shares his story and the issues he faced during and after residency. He also explains why it is important for MDs and dentists to understand loans when it…
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Long Term Disability Insurance and The Optimal Way To Buy It
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17:00
Are you looking for the best way to buy long term disability insurance? This video will show you how to get the most out of your policy and ensure financial security. First, determine the elimination period that matches up with your emergency fund. Then, look at the benefit period and consider an up-to-retirement age policy to provide maximum prote…
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Creating a Financial Plan Around $400,000 in Student Loan Debt with FitBUX
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24:45
The FitBUX podcast hosted by Joseph Reinke is all about helping listeners understand their financial situation and how to make the best decisions for their future. In this episode, Joseph talks to a couple in their mid-twenties who have recently graduated from college and are trying to navigate the financial landscape. Both of them are working in h…
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The FIRE Movement, Financial Samurai's Story, and Why it Matters: Achieving Financial Freedom Beyond the Dollar Amount
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17:51
Today's show will focus on the FIRE movement and the recent event that has brought it into the spotlight. We'll be discussing why financial freedom doesn't have to come with a dollar amount, why you need to simulate your plan and keep tracking it, and how a financial professional shed new light to this idea. We'll start by exploring what the FIRE m…
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Managing Your Money Wisely: A Case Study On How To Invest As A New Grad
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16:01
Today we are discussing how to manage your money wisely, and the risks associated with investing. We are focused on a specific case study of a recent graduate who has some cash in their 401k, Roth IRA and taxable investment account. The first thing that stands out is that this individual does not have an emergency fund yet. This is quite concerning…
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Planning For A Wedding, Moving, Buying A House, & Student Loans
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30:15
This podcast episode is all about developing a financial plan based on the specific circumstances of a couple. To illustrate this, we use a real life example of a physical therapist and his fiancé, who are both recent graduates and will be getting married this year. They have saved over 100k between their cash accounts, taxable investments and reti…
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In this podcast, we discuss how universities are falling behind on student debt and AI/Tech advancements, resulting in a decrease of value for university education. We use this as an example of why it's important to keep learning so you don't become obsolete and avoid financial ruin. Tune in now! If you need help developing your financial plan and …
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