This Thing Called Money

Hosted by Stephen Jones

Business Investing

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Latest episode

Sep 2024

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About the show

Let's Make Sense of This Thing Called Money, is a podcast about… well, money. Where we explore the emotions behind money and how it affects people's lives. Stephen C. Jones, AAMS, AIF, CFP® President Jones Financial Partners 717 Wall St.Norman, OK 73069 Ph: 405.366.1297 x3 C: 405.310.9563 F: 405.366.134 www.JonesFinancialPartners.com "Investment Adviser Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA / SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity" The views depicted in this material are for information purposes only and are not necessarily those of Cetera Advisor Networks LLC. They should not be considered specific advice or recommendations for any individual. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

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11 recent

September 9, 202432 min

Inheriting Money in a Post-2020 World

IN THIS EPISODE, YOU'LL LEARN:What is an RMD?Inheriting money in an IRA could cost your beneficiaries thousands. SECURE Act 2.0 Changes & Updated to the RMD RuleRMD Strategies Past Shows: https://thisthingcalledmoney.buzzsprout.com/CONNECT WITH US:Stephen's Information:Email: Stephen@jonesfinancialpartners.comPhone: (405) 366-1297Website: www.jonesfinancialpartners.comTucker's Information:Email: Tucker.lee@ceterawealth.comPhone: (806) 655-2589Website: https://www.leefingroup.com/Jones Financial Partners717 Wall St.Norman, OK 730692360 Nowata Road, Suite ABartlesville, OK 74006Ph: 405.366.1297 x3F: 405.366.1349www.JonesFinancialPartners.com"Investment Adviser Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA / SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity"Lee Financial Group 1420 4th Avenue, Suite 26Canyon, TX 79015 Office: (806) 655-2589Fax: (806) 655-8789Cell Phone: (806) 681-5235 "Cetera Wealth Partners is a region of Cetera Advisor Networks LLC. Securities and advisory services are offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser."Sources: Michael Kitces:https://www.kitces.com/blog/secure-act-2-0-irs-regulations-rmd-required-minimum-distributions-10-year-rule-eligible-designated-beneficiary-see-through-conduit-trust/The views stated are not necessarily the opinion of Cetera and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. Past performance does not guarantee future results. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

May 17, 2024Episode 933 min

401k Cash Machines? - Why Are People Treating Their 401k's Like ATMs

IN THIS EPISODE, YOU'LL LEARN:What is a 401k, and how should you use it Consequences for taking out money earlyAverage 401k balance by ageHow much $1 will be at age 65Past Shows: https://thisthingcalledmoney.buzzsprout.com/CONNECT WITH US:Stephen's Information:Email: Stephen@jonesfinancialpartners.comPhone: (405) 366-1297Website: www.jonesfinancialpartners.comTucker's Information:Email: Tucker.lee@ceterawealth.comPhone: (806) 655-2589Website: https://www.leefingroup.com/Jones Financial Partners717 Wall St.Norman, OK 730692360 Nowata Road, Suite ABartlesville, OK 74006Ph: 405.366.1297 x3F: 405.366.1349www.JonesFinancialPartners.com"Investment Adviser Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA / SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity"Lee Financial Group 1420 4th Avenue, Suite 26Canyon, TX 79015 Office: (806) 655-2589Fax: (806) 655-8789Cell Phone: (806) 681-5235 "Cetera Wealth Partners is a region of Cetera Advisor Networks LLC. Securities and advisory services are offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser."Sources: Average 401k balance by age: https://www.nerdwallet.com/article/investing/the-average-401k-balance-by-ageCompounding Interest:https://investor.vanguard.com/investor-resources-education/retirement/savings-when-to-startThe views stated are not necessarily the opinion of Cetera and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. Past performance does not guarantee future results. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

May 5, 2024Episode 824 min

Why Are American's Down on a Strong Economy?

IN THIS EPISODE, YOU'LL LEARN:History of the stock marketHow to have a long-term investing mindsetSimple tools to stay investedPast Shows: https://thisthingcalledmoney.buzzsprout.com/CONNECT WITH US:Stephen's Information:Email: Stephen@jonesfinancialpartners.comPhone: (405) 366-1297Website: www.jonesfinancialpartners.comTucker's Information:Email: Tucker.lee@ceterawealth.comPhone: (806) 655-2589Website: https://www.leefingroup.com/Jones Financial Partners717 Wall St.Norman, OK 730692360 Nowata Road, Suite ABartlesville, OK 74006Ph: 405.366.1297 x3F: 405.366.1349www.JonesFinancialPartners.com"Investment Adviser Representative offering securities and advisory services through Cetera Advisors Networks LLC, member FINRA / SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity"Lee Financial Group 1420 4th Avenue, Suite 26Canyon, TX 79015 Office: (806) 655-2589Fax: (806) 655-8789Cell Phone: (806) 681-5235 "Cetera Wealth Partners is a region of Cetera Advisor Networks LLC. Securities and advisory services are offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser."

March 12, 2024Episode 71 hr 2 min

Preparing for Potential Changes in Tax Law w/Michael Montemayor

IN THIS EPISODE, YOU'LL LEARN:New Tax CreditsTax Cuts and Jobs Act Sunset Date & ChangesKey Tax Realities that Everyone Should KnowWhat to plan for in 2024 and BeyondPast Shows: https://thisthingcalledmoney.buzzsprout.com/CONNECT WITH US:Stephen's Information:Email: Stephen@jonesfinancialpartners.comPhone: (405) 366-1297Website: www.jonesfinancialpartners.comTucker's Information:Email: Tucker.lee@ceterawealth.comPhone: (806) 655-2589Website: https://www.leefingroup.com/Connect with Michael on LinkedIn: https://www.linkedin.com/in/mikemontemayorJones Financial Partners717 Wall St.Norman, OK 730692360 Nowata Road, Suite ABartlesville, OK 74006Ph: 405.366.1297 x3F: 405.366.1349www.JonesFinancialPartners.com"Investment Adviser Representative offering securities and advisory services through Cetera Advisors Networks LLC, member FINRA / SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity"Tucker Lee 1420 4th Avenue, Suite 26Canyon, TX 79015 Office: (806) 655-2589Fax: (806) 655-8789Cell Phone: (806) 681-5235 "Cetera Wealth Partners is a region of Cetera Advisor Networks LLC. Securities and advisory services are offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser."

February 10, 2024Episode 630 min

Why Are People Making $100K A Year Living Paycheck To Paycheck?

IN THIS EPISODE, YOU'LL LEARN:Why are people living paycheck to paycheck? Where is your money going? How to create a "Backwards Budget"What you can do now to improve your financial lifePast Shows: https://thisthingcalledmoney.buzzsprout.com/CONNECT WITH US:Stephen's Information: Email: Stephen@jonesfinancialpartners.comPhone: (405) 366-1297Website: www.jonesfinancialpartners.comTucker's Information:Email: Tucker.lee@ceterawealth.com Phone: (806) 655-2589Website: https://www.leefingroup.com/ Jones Financial Partners717 Wall St.Norman, OK 730692360 Nowata Road, Suite ABartlesville, OK 74006Ph: 405.366.1297 x3F: 405.366.1349www.JonesFinancialPartners.com"Investment Adviser Representative offering securities and advisory services through Cetera Advisors Networks LLC, member FINRA / SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity" Tucker Lee 1420 4th Avenue, Suite 26Canyon, TX 79015 Office: (806) 655-2589Fax: (806) 655-8789Cell Phone: (806) 681-5235 "Cetera Wealth Partners is a region of Cetera Advisor Networks LLC. Securities and advisory services are offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser."

June 6, 202312 min

Money Tips: Spending Plan

Stephen's LinkedIn: https://www.linkedin.com/in/wallstadvisor/Website: www.jonesfinancialpartners.comBlog: https://www.jonesfinancialpartners.com/blogJones Financial Partners717 Wall St.Norman, OK 730692360 Nowata Road, Suite ABartlesville, OK 74006Ph: 405.366.1297 x3F: 405.366.1349www.JonesFinancialPartners.com"Investment Adviser Representative offering securities and advisory services through Cetera Advisors Networks LLC, member FINRA / SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity"

January 30, 2023Episode 42 min

When is enough, Enough?

CONNECT WITH US:Stephen's LinkedIn: https://www.linkedin.com/in/wallstadvisor/Website: www.jonesfinancialpartners.comBlog: Jones Financial Partners717 Wall St.Norman, OK 730692360 Nowata Road, Suite ABartlesville, OK 74006Ph: 405.366.1297 x3F: 405.366.1349www.JonesFinancialPartners.com"Investment Adviser Representative offering securities and advisory services through Cetera Advisors Networks LLC, member FINRA / SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity"

January 17, 2023Episode 35 min

SECURE ACT 2.0 / What You Need to Know

IN THIS EPISODE, YOU'LL LEARN:SECURE ACT 2.0 Retirement UpdatesHow you can convert your 529 plan to a Roth IRAROTH options for SEP/SIMPLE IRAsRMD age increasedCONNECT WITH US:Stephen's LinkedIn: https://www.linkedin.com/in/wallstadvisor/Website: www.jonesfinancialpartners.comBlog: https://www.fmgwebsites.com/2d219148-cc67-4589-b309-d035ec70225b/blog/secure-act-2-0-an-overview Jones Financial Partners717 Wall St.Norman, OK 730692360 Nowata Road, Suite ABartlesville, OK 74006Ph: 405.366.1297 x3F: 405.366.1349www.JonesFinancialPartners.com"Investment Adviser Representative offering securities and advisory services through Cetera Advisors Networks LLC, member FINRA / SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity" "Distributions from traditional IRAs and employer-sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59 1/2, may be subject to an additional 10% IRS tax penalty.""A Roth retirement account offers tax-free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal of earnings, a Roth account must be in place for at least five years, and the distributions must take place after age 59 1/2 or due to death or disability. Depending on state law, Roth accounts distributions may be subject to state taxes."

November 6, 2022Episode 245 min

3 Tips to Help Temper Taxes w/ Sean Walker

IN THIS EPISODE, YOU'LL LEARN:How to take advantage of investment lossesWhat's the difference between ordinary income tax and capital gains taxHow to plan strategicallyWhat's the difference between a Mutual Fund and an Exchange Traded Fund? Is one more tax-efficient? CONNECT WITH US:Sean's LinkedIn: https://www.linkedin.com/in/sean-r-walker/Stephen's LinkedIn: https://www.linkedin.com/in/wallstadvisor/Website: www.jonesfinancialpartners.comProsper with Purpose®: https://www.americancentury.com/about/prosper-with-purpose/Jones Financial Partners717 Wall St.Norman, OK 730692360 Nowata Road, Suite ABartlesville, OK 74006Ph: 405.366.1297 x3F: 405.366.1349www.JonesFinancialPartners.com"Investment Adviser Representative offering securities and advisory services through Cetera Advisors Networks LLC, member FINRA / SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity"

September 29, 20223 min

Money Tip / Tax-Free Medicare Reimbursement

IN THIS EPISODE, YOU'LL Learn: How to take tax-free withdrawals from your Health Savings Account to reimburse the cost of premiums you've paid out of pocket. CONNECT WITH US: Stephen's LinkedIn: https://www.linkedin.com/in/wallstadvisor/Website: www.jonesfinancialpartners.comMedicare FAQ: https://www.medicarefaq.com/faqs/hsa-and-medicare/#:~:text=Can%20I%20Use%20My%20HSA,as%20any%20copays%20and%20coinsurance.Stephen C. Jones, AAMS, AIF, CFP®PresidentJones Financial Partners717 Wall St.Norman, OK 73069Ph: 405.366.1297 x3E: Stephen@jonesfinancialpartners.comwww.JonesFinancialPartners.com "Investment Adviser Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA / SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity."