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The Common Sense Financial Podcast is all about finances, mindset and personal growth. The goal is to help you make smart choices with your money in your home and in your business. Securities offered through Kalos Capital, Inc. and Investment advisory services offered through Kalos Management, Inc. located at 11525 Park Wood Circle Alpharetta, GA 30005. Skrobonja Financial Group is not a subsidiary of Kalos Capital, Inc. nor Kalos Management, Inc.
 
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show series
 
Retirement isn’t a thing that happens. It's a time of life that needs to be planned for. When it comes to planning for retirement, there are a huge number of assumptions that people make about what’s going to happen and when, but what if those assumptions are wrong? Find out why you may need to rethink your retirement plans. Most people envision re…
 
Would you rather look back on the past and regret what happened or would you rather look to the future and make plans so that you can choose the outcomes you want? The latter of course! But when it comes to taxes, most people take the first option without even realizing there are better choices. Learn about the difference between tax preparation an…
 
Social Security can be a maze of rules, exceptions, and formulas and can feel almost impossible to navigate for most people. That’s why Rich Grawer is back to talk about making sense of Social Security and the common sense guidelines that allow you to maximize your Social Security benefit and minimize your tax liability while in retirement. Social …
 
It’s no secret that entrepreneurs and real estate investors are responsible for the majority of the wealth creation in the world, but did you know it’s possible to take the same strategies they use and apply them to your own investments? Learn how to multiply your wealth through the power of leverage and how to use the idea of internal and external…
 
The sale or transition of a business is a messy, complex, and time consuming process. If you want to make sure it’s a success and doesn’t tear your family apart, you have to make sure it’s done right. Randy Long reveals the biggest misconceptions around selling a business and how to make sure your children still want to eat Thanksgiving dinner toge…
 
There is a key mindset shift that many people fail to make when they retire and it can cost them thousands of dollars from their investment portfolio. Hear about Hypothetical Helen and how her plan to pay off her mortgage with money from her 401k once she retires actually puts her further away from her goals, and what the most optimal solution for …
 
Regret and retirement don’t have to go together, but for many people they often do. Learn about the top five regrets people have in retirement and how you can set yourself up so instead of feeling like you should have done more, you can retire with confidence. When it comes to retirement, there are almost always things that you’re going to regret. …
 
Most people think about what investments they should be making or what stocks they should have in their portfolio when they approach retirement age, but they are going about it backwards. Brian Skrobonja breaks down the calculations you need to make in order to understand how ready you are for retirement and what your retirement plan needs to facto…
 
How do you pick between a lump sum payment from your pension and an annuity? A lot of that decision depends, but if you want to have control over your financial assets, a lump sum is often the better option. Find out when you should take a lump sum option instead of an annuity, why insurance is one of the most important pieces of the puzzle, and ho…
 
When it comes to investing for retirement, following the status quo investment advice is one of the worst things you can do. Most people are deferring taxes in their 401k, storing money in a bank, and working to pay off their mortgage, all without realizing that doing those things won’t move them closer to what they really want in retirement. Find …
 
Gold has been a source of wealth for thousands of years and a safe haven in uncertain times, but with cryptocurrencies like Bitcoin coming onto the scene, is that about to change? Before we can answer that question, we need to understand the history of the US dollar and how gold has fared over the past 100 years to get an idea what the future may h…
 
There is no silver bullet investment that’s right for everyone, so beware of financial professionals recommending a particular investment or product without first understanding where you are in your life and what your money goals are first. That’s essentially like prescribing a treatment before your doctor diagnoses your problem! Find out what ques…
 
Brian Skrobonja breaks down the myths and the mechanics of Infinite Banking and how this strategy allows you to take control of your cash flow and finance larger purchases while still allowing your money to earn dividends and interest. Learn how Infinite Banking works, why you need to forget what you think you know about whole life insurance, and w…
 
How much does an average rate of return matter? Or does it even matter at all? And what about your 401k? Is the way you’re approaching it the right one? Listen to this episode to hear a few common myths being busted – and get all the positives that will come your way as a result. The other day, Brian came across a quote that read,‘If things you tho…
 
Money is a HUGE part of our life, yet schools don’t spend time teaching us how to manage it and most families don’t share their experiences with one another. Without guidance and learning best practices to achieve success, we are set up for FAILURE before we even begin our relationship with money. It seems reasonable to believe that it would be a g…
 
What should you know, consider, and do when it comes to your social security benefits? And what about Medicare? Join Social Security and Medicare expert Rich Grawer and Brian to learn about how to determine your retirement age, whether or not a non-working spouse can qualify for their spouse’s benefit, understanding potential taxes on your social s…
 
What should you think about when positioning your 401k and pension assets? How can you avoid the pension trap many people fall into? Find out about the two main purposes of your money, the role your cash flow plays, and how to make the most out of your pension choices in this podcast episode. When you’re accumulating money – when you’re working and…
 
The truth is that we all, as human beings, carry around this proverbial backpack of beliefs and emotions, and we carry it everywhere we go. And when we show up somewhere that's in a relationship and a conversation having to make a decision, we unpack the backpack. There's no hiding the backpack. It's with us all the time. It is full of of a lot of …
 
What’s the #1 thing successful investors are doing that average investors aren’t? What are some of the traps people typically fall into when it comes to investing that prevent them from achieving growth and freedom? Find out about what you can learn from Yale endowments, and what you should do to become a successful investor. ‘Nothing changes if no…
 
Sorting matters related to your retirement isn’t something you should wait until the last minute to take care of. What can you do to make sure you’re ready for retirement when time arrives? Learn about 6 things you can do right now to ensure that you’re indeed ready for retirement. If you are within six months away from retiring, there are certain …
 
How can a mindset shift help you avoid one of the most common retirement planning mistakes? And how can you know assets you should set aside to generate the income needed to retire? Learn about the Five Minute Retirement Plan and why it’s an invaluable resource to leverage as you’re planning your retirement. The most common mistake people make when…
 
Most people think about what investments they should be making or what stocks they should have in their portfolio when they approach retirement age, but they are going about it backwards. Brian Skrobonja breaks down the calculations you need to make in order to understand how ready you are for retirement and what your retirement plan needs to facto…
 
What can you do right now to make this year the best year financially that you've ever had? And what is the one thing that makes some people achieve financial freedom faster than others? Learn about the simple mindset shift that will change the way you think about financial freedom and a quick mental exercise you can do to make that shift right now…
 
The Chinese proverb “rags to rags in three generations” says that family wealth does not last for three generations. The first generation makes the money, the second spends it and the third sees none of the wealth. The Chinese aren’t the only ones who acknowledge this as a problem. In the U.S. it is referenced as “shirtsleeves to shirtsleeves in th…
 
When I talk about my definition of retirement, I think it sometimes catches people off guard. In my mind, retirement is not who you are or where you’re at in life, rather it is the transition of your time and money. In other words, it is a process you go through … not your identity. The transition for money is a transition from accumulating money t…
 
We all have blinders about various things in our life that leave us blind to things we do not know or understand. What is a blinder? Well, it could be a bias about something, it could be a protection mechanism to ignore something, it could be immaturity about something or it could simply be ignorance of not knowing any better. In fact, what I have …
 
We often hear the mantra that debt is bad. Yet that doesn’t stop the majority of people from assuming they will always have bank payments. For many, using credit to purchase vehicles, take vacations or fund home improvement projects is a normal mindset for making their lifestyle work. They believe borrowing money to fill income gaps is the answer t…
 
Employees love their 401(k)s, but love can be blind. These plans are riddled with traps, restrictions and caveats that are not apparent until you attempt to access your money out of the plan. Retirement savers need to open their eyes to some serious flaws built into these accounts. A 401(k) is a type of employer-sponsored retirement savings plan ut…
 
Finding Yield In a Low Interest Rate Environment It is no secret that savers are having a difficult time knowing how and where to hold their cash in this low interest rate environment. Storing money in traditionally “safe” places no longer makes sense and has pushed some into more risky alternatives — such as fixed income securities like bonds and,…
 
When my kids were growing up, many days my wife would sit with them on the floor putting puzzles together. They would laugh and talk as they worked together arranging the pieces to create the picture on the box. When the kids were young, the puzzles consisted of 20 pieces that could be put together without much need for the picture on the box. The …
 
The Chinese proverb “rags to rags in three generations” says that family wealth does not last for three generations. The first generation makes the money, the second spends it and the third sees none of the wealth. The Chinese aren’t the only ones who acknowledge this as a problem. In the U.S. it is referenced as “shirtsleeves to shirtsleeves in th…
 
I’m an entrepreneur and just so happen to be in the business of providing other entrepreneurs with financial advice. But I don’t typically offer up the usual status quo advice that tells you to do things that aren’t always in alignment with growing your business. My views originate from my experiences and at times are contrarian to what’s being rec…
 
When I talk about my definition of retirement, I think it sometimes catches people off guard. In my mind, retirement is not who you are or where you’re at in life, rather it is the transition of your time and money. In other words, it is a process you go through … not your identity. The transition for money is a transition from accumulating money t…
 
We all have blinders about various things in our life that leave us blind to things we do not know or understand. What is a blinder? Well, it could be a bias about something, it could be a protection mechanism to ignore something, it could be immaturity about something or it could simply be ignorance of not knowing any better. In fact, what I have …
 
00:00 – Opening 1:03 – Joe's Story 11:10 – How The Dominos Fall 12:28 – Brian's Final Thoughts On this episode, Brian shares a story about Joe and his mental tug of war about how to best utilize his cash assets… Pay off a mortgage? Keep the cash in the bank? Build Wealth? Listen to the podcast to hear the full story and Brian’s thoughts about the s…
 
The truth is that we all, as human beings, carry around this proverbial backpack of beliefs and emotions, and we carry it everywhere we go. And when we show up somewhere that's in a relationship and a conversation having to make a decision, we unpack the backpack. There's no hiding the backpack. It's with us all the time. It is full of of a lot of …
 
You hear me reference and emphasis the importance of having a financial plan in nearly every topic we cover and estate planning is an area of that plan discussed in todays podcast. In this episode of The Common Sense Financial Podcast, I have a conversation with Jessie Naeger of the Law Office of Andrew Weinhaus about estate planning and other impo…
 
Traditional public markets have been historically viewed as normal when it comes to investing but over the last decade we have seen a shift in this attitude toward finding alternatives to the stock market. Though we have been seeing a shift in investor behavior and attitude about markets for quite some time, COVID has brought a sense of urgency to …
 
I am sure you would agree that if you talk with ten people regarding any subject, you're liable to get ten differing opinions from those people. Opinions are everywhere and I believe they are the #1 reason most people live their entire lives thinking a lot of things are true when they are actually false. I became a Christian in November of 1998, I …
 
One thing I have learned over the last six months during a time of growing markets and economy to a sudden shift of social distancing and virtual workplaces due to the covid-19 pandemic, is that people are motivated by two emotions, Fear and Greed. I know reading this can almost seem insensitive or downright offensive but it’s the truth. Think abou…
 
“The Truth Will Set You Free!” This is a phrase we have all heard and it originated in the New Testament in John 8:32, when Jesus said to the new believers, “you will know the truth, and the truth will set you free.” Whether you are trying to figure out the destination of your soul and the meaning of life or simply trying to figure out how to be sm…
 
The most wealthy and financially independent people I know realize something that most people don’t. They realize that wealth…true financial independence… is not found in the amount of money that you have. That is what most people believe… they think that if they have a lot of money saved that they will have this sense of independence. And there is…
 
Pensions are becoming more and more of a dinosaur as companies are moving away from them and are replacing them with 401k type plans. There are multitudes of reason why this shift is occurring but the primary reason is due to the simple fact that pensions are unsustainable. Pension had their hay day in the 1960s but began to fail opening the door f…
 
The goal of every business owner is to increase and expand income sources and grow profits while minimizing what is needed to generate the income. To grow your income, you can do more of what it is that you do that creates revenue or find ways to tweak your systems that will result in an increase in cash flow without the need to create more revenue…
 
Money is a HUGE part of our life yet schools don’t spend time teaching us how to manage it and most families don’t share their experiences with one another. Without guidance and learning best practices to achieve success, we are set up for FAILURE before we even begin our relationship with money. It seems reasonable to believe that it would be a go…
 
It’s interesting to me how little people really know about life insurance. Most people when they think of life insurance they think about its use to protect families, pensions, liabilities and business. But there are other uses such as banking, retirement, tax reduction, long term care and portfolio diversification that is not often considered when…
 
The older I get the more I realize the impact our mindset has on every aspect of our life including our finances. What you think about, what you believe and the way you go about making decisions and living life is a direct result of how we think. We all know that there is no shortage of information and opinions on the topic of money. Turn on the TV…
 
In this podcast we will discuss nine specific threats that are always lingering and are threatening your cashflow. Inflation, sequence of returns, unfilled income gaps, market risk, interest rate risks, taxes, long term care expenses, rising health care costs, technology and medical advancements are all real concerns that you need to think about. T…
 
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