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 Rule RMD Strategies Past Shows: https://thisthingcalledmoney.buzzsprout.com/ CONNECT WITH US: Stephen's Information: Email: Stephen@jonesfinancialpartners.com Phone: (405) 366-1297 Website: www.jonesfinancialpartners.com Tucker's Information: Email: Tucker.lee@ceterawealth.com Phone: (806) 655-2589 Website: https://www.leefingroup.com/ Jones Financial Partners 717 Wall St. Norman, OK 73069 2360 Nowata Road, Suite A Bartlesville, OK 74006 Ph: 405.366.1297 x3 F: 405.366.1349 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" Lee Financial Group 1420 4th Avenue, Suite 26 Canyon, TX 79015 Office: (806) 655-2589 Fax: (806) 655-8789 Cell 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 early Average 401k balance by age How much $1 will be at age 65 Past Shows: https://thisthingcalledmoney.buzzsprout.com/ CONNECT WITH US: Stephen's Information: Email: Stephen@jonesfinancialpartners.com Phone: (405) 366-1297 Website: www.jonesfinancialpartners.com Tucker's Information: Email: Tucker.lee@ceterawealth.com Phone: (806) 655-2589 Website: https://www.leefingroup.com/ Jones Financial Partners 717 Wall St. Norman, OK 73069 2360 Nowata Road, Suite A Bartlesville, OK 74006 Ph: 405.366.1297 x3 F: 405.366.1349 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" Lee Financial Group 1420 4th Avenue, Suite 26 Canyon, TX 79015 Office: (806) 655-2589 Fax: (806) 655-8789 Cell 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-age Compounding Interest: https://investor.vanguard.com/investor-resources-education/retirement/savings-when-to-start 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 5, 2024Episode 824 min

Why Are American's Down on a Strong Economy?

IN THIS EPISODE, YOU'LL LEARN: History of the stock market How to have a long-term investing mindset Simple tools to stay invested Past Shows: https://thisthingcalledmoney.buzzsprout.com/ CONNECT WITH US: Stephen's Information: Email: Stephen@jonesfinancialpartners.com Phone: (405) 366-1297 Website: www.jonesfinancialpartners.com Tucker's Information: Email: Tucker.lee@ceterawealth.com Phone: (806) 655-2589 Website: https://www.leefingroup.com/ Jones Financial Partners 717 Wall St. Norman, OK 73069 2360 Nowata Road, Suite A Bartlesville, OK 74006 Ph: 405.366.1297 x3 F: 405.366.1349 www.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 26 Canyon, TX 79015 Office: (806) 655-2589 Fax: (806) 655-8789 Cell 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 Credits Tax Cuts and Jobs Act Sunset Date & Changes Key Tax Realities that Everyone Should Know What to plan for in 2024 and Beyond Past Shows: https://thisthingcalledmoney.buzzsprout.com/ CONNECT WITH US: Stephen's Information: Email: Stephen@jonesfinancialpartners.com Phone: (405) 366-1297 Website: www.jonesfinancialpartners.com Tucker's Information: Email: Tucker.lee@ceterawealth.com Phone: (806) 655-2589 Website: https://www.leefingroup.com/ Connect with Michael on LinkedIn: https://www.linkedin.com/in/mikemontemayor Jones Financial Partners 717 Wall St. Norman, OK 73069 2360 Nowata Road, Suite A Bartlesville, OK 74006 Ph: 405.366.1297 x3 F: 405.366.1349 www.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 26 Canyon, TX 79015 Office: (806) 655-2589 Fax: (806) 655-8789 Cell 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 life Past Shows: https://thisthingcalledmoney.buzzsprout.com/ CONNECT WITH US: Stephen's Information: Email: Stephen@jonesfinancialpartners.com Phone: (405) 366-1297 Website: www.jonesfinancialpartners.com Tucker's Information: Email: Tucker.lee@ceterawealth.com Phone: (806) 655-2589 Website: https://www.leefingroup.com/ Jones Financial Partners 717 Wall St. Norman, OK 73069 2360 Nowata Road, Suite A Bartlesville, OK 74006 Ph: 405.366.1297 x3 F: 405.366.1349 www.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 26 Canyon, TX 79015 Office: (806) 655-2589 Fax: (806) 655-8789 Cell 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.com Blog: https://www.jonesfinancialpartners.com/blog Jones Financial Partners 717 Wall St. Norman, OK 73069 2360 Nowata Road, Suite A Bartlesville, OK 74006 Ph: 405.366.1297 x3 F: 405.366.1349 www.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.com Blog: Jones Financial Partners 717 Wall St. Norman, OK 73069 2360 Nowata Road, Suite A Bartlesville, OK 74006 Ph: 405.366.1297 x3 F: 405.366.1349 www.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 Updates How you can convert your 529 plan to a Roth IRA ROTH options for SEP/SIMPLE IRAs RMD age increased CONNECT WITH US: Stephen's LinkedIn: https://www.linkedin.com/in/wallstadvisor/ Website: www.jonesfinancialpartners.com Blog: https://www.fmgwebsites.com/2d219148-cc67-4589-b309-d035ec70225b/blog/secure-act-2-0-an-overview Jones Financial Partners 717 Wall St. Norman, OK 73069 2360 Nowata Road, Suite A Bartlesville, OK 74006 Ph: 405.366.1297 x3 F: 405.366.1349 www.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 losses What's the difference between ordinary income tax and capital gains tax How to plan strategically What'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.com Prosper with Purpose®: https://www.americancentury.com/about/prosper-with-purpose/ Jones Financial Partners 717 Wall St. Norman, OK 73069 2360 Nowata Road, Suite A Bartlesville, OK 74006 Ph: 405.366.1297 x3 F: 405.366.1349 www.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.com Medicare 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® President Jones Financial Partners 717 Wall St. Norman, OK 73069 Ph: 405.366.1297 x3 E: Stephen@jonesfinancialpartners.com 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."