Listen Money Matters - Free your inner financial badass. All the stuff you should know about personal finance.

You’ve heard the term diversification, but you might not know precisely what it means. Turns out it’s more complicated than just owning stocks and bonds. We are going to deep dive and give you a master class on diversification with Adam Grealish. Full Article HereShow NotesBoard Meeting: A coffee flavored brown ale.Tool Box: All the best stuff to manage your money.Betterement:  A great investing platform and where Adam Grealish works. Learn more about your ad choices. Visit megaphone.fm/adchoices

Almost 50% of Americans cannot come up with $400 if they needed it urgently. 1 in 3 Americans has $0 saved for retirement. In the U.S. it seems we’re much better at spending money then we are saving. This spending problem is leaving too many American households living paycheck to paycheck with close to nothing saved for the future. The savings rate has been falling for most of the past few decades. Maybe we stopped saving when our income growth flatlined after the recession, maybe it’s because we’re being buried in student loan debt, or maybe consumerism has taken over but it doesn’t change the cold hard truth that most people are not prepared for retirement at all.  Full Article Here Learn more about your ad choices. Visit megaphone.fm/adchoices

Annuities are not exactly transparent, and neither are the people selling them. They are almost always a terrible investment, and when we explain what the f**k are Annuities, you will understand why and stay far away from them. There is so much misleading information out there for Annuities in no small part because the financial incentives for selling them s is very high. We will take an unbiased look at them. We’ve never accepted a dollar from an annuity company, and there probably won’t be any beating down our door after this!Full Article HereShow NotesTroegenator: A Double Bock with notes of caramel, chocolate, and dried fruit.Toolbox: All the best stuff to manage your money. Learn more about your ad choices. Visit megaphone.fm/adchoices

The worst has happened. Whether their fault, your fault or nobodies fault, you lost your job. We don’t want to make a bad situation even worse by making big financial mistakes. This is what to do after a job loss so you can stay or get back on your feet quickly. We have all probably suffered a job loss at some point so we know how scary it can be. But there are lots of things you can do to mitigate the damage. Full Article HereShow NotesBlunderbuss Barleywine Ale: Aged in oak barrels.Toolbox: All the best stuff to manage your money. Learn more about your ad choices. Visit megaphone.fm/adchoices

We get a lot of questions from listeners, and sometimes they are so good, we want to share them with everyone. Today we answer five awesome questions from you about LLCs, winning the lottery, budgeting an irregular income, Roth rollovers, and buying quality.Full Article HereShow NotesDog Fish Head 60 Minute IPA: A continuously hopped IPA.LMM Toolbox: All of the best stuff we use to manage our money Learn more about your ad choices. Visit megaphone.fm/adchoices

There is a lot of misinformation about the 10,000-hour rule theory of self-improvement, and it turns out now all 10,000 hours are the same. We delve into the truth behind the 10,000-hour rule and show you how to become great at anything. It's not really about the number of hours you put into something; it’s about deliberate practice. Full Article Here Show NotesArrogant Bastard: An aggressive beer that is probably too good for the likes of you! Learn more about your ad choices. Visit megaphone.fm/adchoices

Whenever you hear people talk about buying a home, they insist you need a 20% down payment. But there are ways around that. We will show you how to buy a house without putting 20% down. There are some good reasons to put 20% down when you buy a house. But that isn’t realistic for everyone, and it’s not only rich people who deserve to own a home. If you are dreaming of buying a house but can’t come up with 20% down, there are programs that can help.  Full Article Here Show NotesArrogant Bastard: An aggressive beer that is probably too good for the likes of you! Learn more about your ad choices. Visit megaphone.fm/adchoices

None of us likes paying taxes, and everyone agrees that the tax code is too complicated. But taxes are not meant as a show of our civic commitment but as a series of incentives set by the government to encourage citizens to do things that grow the economy. And if you look at things that are deductions, buying a home, having a kid, and starting a business, you can see what the government wants us to do to bolster the economy. You know the typical write-offs, but we found 28 tax deductions you didn’t know you could write off. These are tax deductions that most people will be eligible for. If you have a business, you can check out the episode we did on LLCs and S Corps. Full Article HereShow NotesLagunitas Brown Shugga':An American strong ale.Simple Wealth: Research and evaluate rental properties. Learn more about your ad choices. Visit megaphone.fm/adchoices

You’re paying your money manager for his or her expertise, right? They know all the secrets and tricks to picking the right stocks and making the right investments. They know things you will never understand. Well, they don’t. According to the analysis, 99 percent of actively managed US equity funds sold in Europe have failed to beat the S&P 500 over the past 10 years. You need someone with expertise to make sure you don’t lose all of your money when the market is volatile. You don’t. Andrew did the math.Full Article HereShow NotesSerpent's Stout: An American Double, Imperial stout.How Not To Be Wrong: The math behind everyday things. Learn more about your ad choices. Visit megaphone.fm/adchoices

Maybe you are rich. Maybe you are poor. Maybe you have experienced being both at some point in your life. If you haven’t figured it out yet, being rich isn’t all about money. It’s about well-being, abundance, having time, success, and the right mindset. There are definitely social issues that contribute to poverty, however, rich vs poor mindsets can also drive wealth and success. There are many poor people with a rich mindset, financially poor due to circumstance. And there are many trust fund babies with a poor mindset.Full Article HereShow Notes:Order of Man PodcastMenfluential Conference The Dip By Seth Godin Learn more about your ad choices. Visit megaphone.fm/adchoices