Clear Money Talk by Tim Clairmont | Biz and Tech Podcasts

June 8, 202632 min

What Financial Moves Should You Make Before 40?

Turning 40 is not a financial deadline, but it can be a meaningful checkpoint. In this episode of Clear Money Talk, Tim Clairmont and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss several financial moves worth considering before age 40, including building cash reserves, managing high-interest debt, saving with more intention, protecting income, reviewing workplace benefits, and making sure basic estate planning documents are in place. They also talk about how early financial decisions can affect flexibility later in life. From retirement savings to insurance coverage and goal-setting, the conversation focuses on practical ways to bring more structure and clarity to your financial plan. Whether you are approaching 40, already past it, or thinking through these decisions for your family, this episode offers a helpful reminder that small choices made today can play an important role over time. Download the companion checklist for this episode to review the financial moves worth considering before age 40: https://clearfp.com/financial-moves-to-consider-before-40-checklist/

June 8, 20263 min

Just The Answer: What Financial Moves Should You Make Before 40?

Turning 40 is not a financial deadline, but it can be a meaningful checkpoint. In this episode of Clear Money Talk, Tim Clairmont and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss several financial moves worth considering before age 40, including building cash reserves, managing high-interest debt, saving with more intention, protecting income, reviewing workplace benefits, and making sure basic estate planning documents are in place. They also talk about how early financial decisions can affect flexibility later in life. From retirement savings to insurance coverage and goal-setting, the conversation focuses on practical ways to bring more structure and clarity to your financial plan. Whether you are approaching 40, already past it, or thinking through these decisions for your family, this episode offers a helpful reminder that small choices made today can play an important role over time. Download the companion checklist for this episode to review the financial moves worth considering before age 40: https://clearfp.com/financial-moves-to-consider-before-40-checklist/

May 25, 202632 min

Should You Sell Your RSUs Immediately?

RSUs can feel like a great opportunity, but they can also create a tough question: Should you sell when they vest, or hold the stock and see what happens? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the key considerations behind restricted stock units, including taxes, concentration risk, emotional attachment, and how company stock may fit into a broader financial picture. They also explore one simple question that can help clarify the decision: If this showed up as cash instead of stock, would you use that money to buy the same company's shares? Tune in for a clear, practical conversation about RSUs and why the right decision depends on more than the stock price.

May 25, 20264 min

Just The Answer: Should You Sell Your RSUs Immediately?

RSUs can feel like a great opportunity, but they can also create a tough question: Should you sell when they vest, or hold the stock and see what happens? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the key considerations behind restricted stock units, including taxes, concentration risk, emotional attachment, and how company stock may fit into a broader financial picture. They also explore one simple question that can help clarify the decision: If this showed up as cash instead of stock, would you use that money to buy the same company's shares? Tune in for a clear, practical conversation about RSUs and why the right decision depends on more than the stock price.

May 11, 202627 min

Is Private Equity Worth The Hype?

In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore a question more investors are starting to ask: Is private equity worth the hype? Private equity can sound interesting because it may offer access to companies that are not traded on the stock market. But it also comes with tradeoffs that are easy to overlook, including limited access to your money, less transparency, and different fee structures. They discuss: • What private equity actually is • Why it has been getting more attention • How it differs from buying publicly traded stocks • The potential benefits and tradeoffs • Why understanding the investment matters before deciding whether it belongs in your plan Private equity may be worth understanding, but that does not mean it's right for everyone. This episode helps break down the opportunity, tradeoffs, and the key questions investors should consider before moving beyond traditional public markets. Tune in to the full episode on YouTube, Spotify, Apple Podcasts, or wherever you listen.

May 11, 20263 min

Just The Answer: Is Private Equity Worth The Hype?

In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore a question more investors are starting to ask: Is private equity worth the hype? Private equity can sound interesting because it may offer access to companies that are not traded on the stock market. But it also comes with tradeoffs that are easy to overlook, including limited access to your money, less transparency, and different fee structures. They discuss: • What private equity actually is • Why it has been getting more attention • How it differs from buying publicly traded stocks • The potential benefits and tradeoffs • Why understanding the investment matters before deciding whether it belongs in your plan Private equity may be worth understanding, but that does not mean it's right for everyone. This episode helps break down the opportunity, tradeoffs, and the key questions investors should consider before moving beyond traditional public markets. Tune in to the full episode on YouTube, Spotify, Apple Podcasts, or wherever you listen.

April 27, 20266 min

Just The Answer: What's The Difference Between Feeling Wealthy And Actually Being Wealthy?

On paper, wealth can look like a number. Net worth, income, assets, investments, and lifestyle all tend to shape how people measure financial success. But in real life, feeling wealthy often has less to do with the size of your balance sheet and more to do with clarity, confidence, health, margin, and whether your money supports the life you actually want to live. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore why some people may look wealthy but still feel financially uneasy, while others may have fewer assets on paper but feel secure in their financial life. They discuss how lifestyle creep, social media comparisons, unclear goals, and lack of structure can make it difficult to feel wealthy, even when the numbers seem strong. They also unpack why predictable income, inflation planning, thoughtful spending habits, and a clear purpose for your money may contribute to a clearer and more confident financial perspective. Whether you are building wealth, preparing for retirement, or simply trying to better understand your relationship with money, this conversation offers a thoughtful look at what it really means to feel wealthy.

April 27, 202632 min

What's The Difference Between Feeling Wealthy And Actually Being Wealthy?

On paper, wealth can look like a number. Net worth, income, assets, investments, and lifestyle all tend to shape how people measure financial success. But in real life, feeling wealthy often has less to do with the size of your balance sheet and more to do with clarity, confidence, health, margin, and whether your money supports the life you actually want to live. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore why some people may look wealthy but still feel financially uneasy, while others may have fewer assets on paper but feel secure in their financial life. They discuss how lifestyle creep, social media comparisons, unclear goals, and lack of structure can make it difficult to feel wealthy, even when the numbers seem strong. They also unpack why predictable income, inflation planning, thoughtful spending habits, and a clear purpose for your money may contribute to a clearer and more confident financial perspective. Whether you are building wealth, preparing for retirement, or simply trying to better understand your relationship with money, this conversation offers a thoughtful look at what it really means to feel wealthy.

April 13, 202636 min

When Does It Make Sense To Pay Off Your Mortgage Early?

When does it make sense to pay off your mortgage early? It's a question many people ask, especially as retirement gets closer, cash reserves grow, or interest rates shift. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the key factors that can shape that decision and why the right answer is rarely one-size-fits-all. Tim and Tyler explore how mortgage rates, tax treatment, liquidity, risk tolerance, and retirement timing can all influence whether paying off your mortgage early is the smartest move. They also discuss the emotional side of the equation, including the peace of mind that can come from reducing debt and why behavior matters just as much as math. Whether you are deciding between paying down debt, investing excess cash, or creating more flexibility for retirement, this episode will help you think through the tradeoffs with greater clarity.

April 13, 20267 min

Just The Answer: When Does It Make Sense To Pay Off Your Mortgage Early?

When does it make sense to pay off your mortgage early? It's a question many people ask, especially as retirement gets closer, cash reserves grow, or interest rates shift. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the key factors that can shape that decision and why the right answer is rarely one-size-fits-all. Tim and Tyler explore how mortgage rates, tax treatment, liquidity, risk tolerance, and retirement timing can all influence whether paying off your mortgage early is the smartest move. They also discuss the emotional side of the equation, including the peace of mind that can come from reducing debt and why behavior matters just as much as math. Whether you are deciding between paying down debt, investing excess cash, or creating more flexibility for retirement, this episode will help you think through the tradeoffs with greater clarity.

Clear Money Talk

About the show

Listen to episodes

What Financial Moves Should You Make Before 40?

Just The Answer: What Financial Moves Should You Make Before 40?

Should You Sell Your RSUs Immediately?

Just The Answer: Should You Sell Your RSUs Immediately?

Is Private Equity Worth The Hype?

Just The Answer: Is Private Equity Worth The Hype?

Just The Answer: What's The Difference Between Feeling Wealthy And Actually Being Wealthy?

What's The Difference Between Feeling Wealthy And Actually Being Wealthy?

When Does It Make Sense To Pay Off Your Mortgage Early?

Just The Answer: When Does It Make Sense To Pay Off Your Mortgage Early?

Is this your show?

More Business podcasts

Sin88

Toldjya Finance Podcast

WW88

Thabet

SowGrow Marketing Council

Matrix Unboxed