Welcome to the Max Finance Podcast, where a certified financial planner and a personal finance geek discuss how to make intentional decisions that maximize your money and achieve your goals. Hosted by Loren Heiman and George Galat, CFP. We’d love to hear from you. Send feedback to feedback@maxfinance.com or email us directly at george@maxfinance.com and loren@maxfinance.com
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34: Employee stock purchase plans (ESPP)
24:36
24:36
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We discuss employee stock purchase plans (ESPP), how they work and how to optimize your participation in one.
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We discuss how to best prepare for a recession and navigate through it.
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32: 401(k) overview
1:03:39
1:03:39
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We discuss how to select investments and important considerations for maximizing the benefit of this tax advantaged account.
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31: Tips for buying a house
56:15
56:15
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We discuss the basics of buying a house including saving for a down payment, setting a budget and understanding the true costs.
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We discuss college planning and what items you should consider when saving specifically for this goal.
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29: Preparing for a Child
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We discuss what you should think about financially when preparing to have a child.
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28: Cryptocurrency: An overview and guide to owning it
1:04:05
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We discuss how to get started in crypto and how much you should invest in it.
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27: Rebalancing and tax loss harvesting
50:17
50:17
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We explain what rebalancing and tax loss harvesting is and how to do it to maximize your investment returns.
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26: Renting vs buying a home: Our stories
1:03:01
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Hear how we’ve made past decisions to buy or rent our homes.
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25: Renting vs buying a home: Overview
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58:01
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We discuss the pros and cons of buying vs renting and why it’s not always the best idea to assume you should buy a home.
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24: Life and Disability Insurance
1:03:18
1:03:18
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We discuss whether it’s a good idea to obtain life and disability insurance and some factors you should consider. Additional resources: term4sale.com, policygenius.com
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23: Employee Benefits
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We discuss popular company-provided employee benefits and how to maximize their value.
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We cover the basics of income tax including the difference between earned income and capital gains.
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21: Equity Compensation: Private Companies
1:09:38
1:09:38
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We discuss equity compensation of private companies (ISO and NSO stock options), how they work, how they’re taxed, strategies for exercising and selling. To learn more about equity compensation, we recommend Consider Your Options: Get the Most from Your Equity Compensation by Kaye Thomas and https://github.com/jlevy/og-equity-compensation…
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20: Equity Compensation: Publicly Traded Companies
52:54
52:54
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We discuss equity compensation of public-traded companies (RSUs), how it vests, how it's taxed, and selling strategies. To learn more about equity compensation, we recommend this resource: https://github.com/jlevy/og-equity-compensation
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We discuss what an emergency fund is, why it’s important, how much you need and where to keep it.
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18: Paying off Debt Strategy
43:39
43:39
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We discuss which debt to prioritize paying down and when it makes sense to leverage debt in the first place.
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17: Debt: “Good” vs “Bad”
47:57
47:57
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We discuss the different types of debt, ther interest rates, how it accrues and how to track it.
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16: Relationship Finances: George and Justine
43:34
43:34
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Loren interviews George and his fiancee, Justine, about how they manage their finances together including buying a house, starting a business and saving for a wedding.
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15: Relationship Finances: Loren and Anna
1:06:37
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George interviews Loren and his wife, Anna, about how they manage their finances together and challenges they’ve faced including unemployment, obligations and different spending habits.
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14: Relationship Finances: The Basics
59:18
59:18
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We discuss how couples can work together to maximize their finances to achieve their goals and learn that there’s no one size fits all.
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13: FIRE: Investment Contribution and Withdrawal Strategy
52:25
52:25
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We discuss contribution and withdrawal strategies for investment accounts when pursuing early retirement.
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12: FIRE: Safe Withdrawal Rates and Goal Setting
53:53
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We discuss how to set a goal, select a safe withdrawal rate and model scenarios using calculators.
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11: Overview of FIRE (Financial Independence, Retirement Early)
54:09
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We discuss the basics of FIRE: What it is, What’s different, and How it works.
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10: Financial Institutions for Investments
51:44
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We discuss what to look for when choosing a financial institution for your investments.
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9: Personal Finance and Investing Tools
55:06
55:06
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We discuss personal finance tools to help you budget, plan for retirement and track your net worth to reach financial success.
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8: Selecting Accounts for Investment
56:31
56:31
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We discuss the differences between brokerage, IRA, and 401k accounts and important considerations when choosing between them.
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7: Pre-Investing Milestones
56:27
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We review important milestones to achieve before you begin investing. Hint: Have positive cash flow, build an emergency fund, pay off high interest debt.
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We discuss the basics of passive investing and why we think it’s the best way to maximize your money over the long term.
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5: Investing to Achieve your Goals
1:14:16
1:14:16
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We discuss how your goal’s timeline and flexibility should be considered when determining investments and corresponding risk level.
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4: Setting Goals and Tracking Progress
1:06:41
1:06:41
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We discuss financial goals, their importance, how to set and track progress towards them.
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3: Living Below Your Means - What It Means and How To Do It
1:07:44
1:07:44
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We discuss how to track spending (and income), strategies to save more and overcome common obstacles.
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2: Top 3 Recommendations to be Financially Successful
1:05:58
1:05:58
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We define what having financial success is (hint: it’s not just having a high net worth) and our top 3 recommendations for achieving, plus a bonus tip.
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1: Meet Your Hosts and Hear Our Origin Stories
40:46
40:46
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Meet your hosts, George and Loren. Hear about our background and how we developed a passion for personal finance that ultimately led to this podcast.
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