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35 Ways to Become Financially Independent

To become financially independent is the new American dream. It represents total freedom and control in a world that is anything but. Those who have reached it have worked hard for many years to get where they are today. Just like any other BIG dream, it makes it a...

Financial Independence for Dummies

Financial Independence! The ultimate goal! To never be restricted financially ever again! Wow! Just think about that for a minute. Seriously...close your eyes (if you want to) and think about that feeling. No mortgage. No car payments. Nothing keeping you from jumping...

9 Reasons For a Failing Budget

You've taken the initiative. You're putting together a budget. It's time to start turning your finances around and build your savings! There's just one problem. It never works! You might start a budget, but you can't ever seem to stick to it! Your intentions were...

13 Ways To Save Money Every Day

On this Q&A Episode of The Money Twins Podcast, we answer the question “What easy things can I do every day, to save money?”. We breakdown the answer into 2 segments; small daily habits, and big picture ideas. After all, building your savings and emergency fund is one...

Introducing a Framework for Prioritizing Your Money

You probably realize that you should be taking some steps with your money, but you're not sure where to start. It's not as if there is a step-by-step guide on prioritizing your money and your goals...at least not in way you can understand (yet). We've developed a...

22 Smart Money Habits That Can Change Your Life

Habits are hard to kick. We've spent our lives developing our money habits, good or bad. They can change your life for the better or for the worse. There is a lot of pressure to get it right. I've put together this list of my favorite money habits that can change your...

Should I Buy Life Insurance On My Kids? Special Q&A Episode

In this episode of The Money Twins Podcast, the guys are mixing it up a little.  Enter, the rapid-fire Q&A session. Matt & Brad get straight to the point on questions about money and goals. Although everyone’s situation might be different, following the basic steps...

5 Fun Challenges to Boost Your Savings

There's no doubt about it. Building up your savings can be a long, slow process. But, does it have to be? You don't just have to "set it and forget it". While setting up automatic transfer is a very smart idea, why not shake it up? Let's make it fun! Why not use...

How Diversifying Your Income Can Help You Reach Your Goals Faster

On this episode of The Money Twins Podcast, the twins talk about why you should diversify your income, and how it can help you achieve your goals, much faster. We all know we should diversify our investments, but did you know that you should diversify your income...

Teach Your Kids About Money at the Right Age

4 Important Ages to Teach Children Smart Money Habits by age 18 As a father of two boys, I want nothing more than to teach them to grow up to be confident, smart and kind men. I find myself wanting to start with life's lessons earlier and earlier. Since starting The...

5 Steps You Need to Take After You Get A Raise

You did it!  You’ve been working hard, and all that time and energy has finally paid off, you’ve gotten that raise. Now what do you do?  You spend it of course!  Just kidding… But, in all seriousness, go for it.  You deserve it. In this week’s episode, the twins give...

3 Burning Questions About Your Roth 401(k)

So, you've had a Roth 401(k) this whole time and didn't even realize it! Well, I think that's pretty common. Not a lot of people know that it's available...or even what it is...or if they should use it...or why should they use it. That's OK. It's never too late to...

4 Cool Ways to Get Paid to Hit your Fitness Goals

Staying healthy has always been a personal goal of mine. Just like most, it comes and goes. I go a few months pretty consistently, then the next few months are more sporadic. It's just so hard to stay motivated, right? Well, problem solved! I've found 4 really cool...

How To Become The Millionaire Next Door – Episode 4

In this episode of The Money Twins Podcast, the guys discuss what is the meaning behind the phrase, “The Millionaire Next Door”.  They touch on ways to build good habits, and what could happen when you try to “keep up with the Joneses”. Matt brings up diversifying...

How To Teach Your Kids About Money – Episode 3

We can probably all agree that we need to step up our game on teaching our kids about money.  In this episode, we discuss just that. Matt & Brad give their take on the best ways to teach your kids about budgeting, investing, and at what age you should start. Matt...

The Difference Between a Need And A Want – Episode 2

  Needs vs Wants On this episode we talk about "Needs" versus "Wants".  Matt and Brad clarify the difference between the two.  Do they mean the same thing for everyone?  How do you organize and prioritize a "need" and a "want" into your budget?  We also chat goals,...

3 Best Ways to Catch Up on Retirement in your 30’s

There are many demands in the early stages of adult hood.  First, we start off with student loan debt. Our career choices might not start out like we had hoped. We get married (big expense), have kids (big expense) and buy a house (big expense). All of this before we...

How to Fill Out a W-4 in 2018

You probably know there is a new tax law by now, right? Well, there is. The first thing thing that you should probably know is that there is a new W-4 now too.  What exactly is a W-4, you might ask? I'll get to that soon.  I will also tell you what you should do to...

6 Bad Money Habits and How to Fix Them

Bad money habits are easy to form. Some of the worst can be with your own money. If you don't correct these, FAST, you could find yourself in a world of hurt...financially speaking. Some of the problems you could face are mounting debt, bad credit, a life of missing...

Discover Your Goals: The First Step to Budgeting Success

We all need to find inspiration at times.  Something to look forward to. Something that keeps us motivated and driven.  This is vital to living a life worth living. So what do you do if you don't have any? You discover your goals! For some, it's an annual ski trip. ...

An Easy Way to Budget for Your Goals

Budgeting sucks! It really does!  It's so complicated! Let's think about it for a second.... OK, times up.  That was already too long! I just want an easy way to budget that doesn't require me to categorize, sub categorize and sub-sub categorize every expense in order...

4 Ways to Protect Your Family and Your Goals

This guide is here for those of you who would move Heaven and Earth to protect your family.  If you're anything like me, you've put a lot of thought into your home security system, the high-tech baby monitor and even where you should put the baseball bat next to your...

5 Emergency Fund Questions Answered

There is a LOT of importance placed on the almighty EMERGENCY FUND! There are also a LOT of opinions on how much you need, where to save it and when you should even access it. Well, fear not. This article is to answer your 5 burning questions about the emergency fund....

The Money Twins Podcast

Join us weekly to talk money, goals and everything in between.  We share our perspectives on money, answer questions, and inspire you to find new and exciting goals.

3 Days to a Better Budget

Our free gift to you, because everyone can do it.  Take control of your money today.  By signing up for the 3-Day Boost Your Savings Challenge, you learn how to track your budget to help build a bigger savings.

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This communication is strictly intended for individuals residing in the states of Florida, Michigan, Arizona, Nevada, New York, Ohio, and South Carolina.  No offers may be made or accepted from any resident outside the specific states referenced. Registered Representative Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC.  Investment Advisor Representative Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.  The Money Twins and Ruttenberg & Company are not affiliated with Cambridge.

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How To Prioritize Your Money In 10-Steps

 

You know what needs done with your money, but you're not sure what to do next. 

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