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Joseph Reinke

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The FitBUX PodcastThe FitBUX PodcastYou’re Working Hard But Still Broke. Expert Uncovers 7 Hidden Money TrapsYou show up every day, work your tail off, and still feel like your bank account never reflects your effort. You’re not lazy. You’re not irresponsible. You’ve just never been shown how the system quietly pulls money from your future. In this podcast, FitBUX’s founder and CFA Charterholder Joseph Reinke reveals 7 silent traps that are draining your wealth—and how to avoid them.  These aren’t the typical budgeting tips or hustle-harder hacks. These are the blind spots no one tells you about—until now. In his years of experience, Jos...2025-07-1009 minNPTE Final Frontier PodcastNPTE Final Frontier PodcastEpisode 217 NPTEFF Interview with Joseph Reinke from FitBuxEpisode 217 NPTEFF Interview with Joseph Reinke from FitBux2025-05-0119 minThe FitBUX PodcastThe FitBUX PodcastBuilding A Thriving Healthcare Business: Lessons From Karen LitzyIn this episode, FitBUX founder Joseph Reinke sits down with Karen Litzy, a self-employed healthcare entrepreneur and host of one of the largest podcasts in the industry. Karen shares her journey from clinician to business owner, breaking down the ups and downs of running a healthcare business, the lessons she's learned, and the strategies that have fueled her success. She also reveals the technologies and services she uses to streamline her operations, the biggest challenges she’s faced, and her best advice for healthcare professionals looking to grow their own business or brand. Wh...2025-03-1744 minThe FitBUX PodcastThe FitBUX PodcastLive Q&A: Expert Home Buying Advice With Josh MettleIn this episode, Josh Mettle from Neo Home Loans and Joseph Reinke, CFA, team up to answer your biggest questions about buying a home in today’s market. Whether you’re wondering about mortgage options, how to qualify, or what current trends mean for you — we’ve got you covered. Here’s what we discuss: ✅ Current housing market trends and what they mean for buyers ✅ Professional mortgage loans – are they the right fit for you? ✅ FHA loans – who qualifies and how they work ✅ Qualifying for a mortgage while your student loans are in forbearance2025-03-1231 minThe FitBUX PodcastThe FitBUX Podcast2025 Housing Market Forecast: Real Estate Trends and PredictionsIn this episode of the FitBUX Podcast, host Joseph Reinke is joined by Josh Mettle from Neo Home Loans to dive into the biggest questions surrounding the 2025 housing market. They reflect on 2024’s surprising trends—like rising home prices despite 7-8% mortgage rates—and look ahead to what’s next for buyers, investors, and homeowners. Key topics include: Why home prices remained resilient in 2024 Where mortgage rates are headed and their impact on affordability How millennials and Gen Z are shaping housing demand The ongoing challenges with housing supply and new construction Predictions for home price apprecia...2024-12-1758 minHealthy Wealthy & SmartHealthy Wealthy & SmartJoseph Reinke: Student Loan Update: What to expect in 2025In this episode of the Healthy, Wealthy & Smart podcast, host Dr. Karen Litzy welcomes back financial expert Joseph Reinke to discuss the critical topic of student loans. As the year comes to a close, many are assessing their budgets and the impact of student loan repayments on their financial planning for the upcoming year. Joe, a CFA charter holder and founder of FitBux, shares valuable insights into managing student loans and offers guidance on financial management strategies for healthcare providers, particularly physical therapists. Please tune in to learn about the latest updates regarding student loans and how to navigate...2024-12-1241 minThe FitBUX PodcastThe FitBUX PodcastAn Expert's Checklist For Student Loan Repayment | Avoid Costly MistakesAre you sure you’re on the right path with your student loan repayment? In this podcast, Joseph Reinke, CFA breaks down everything you need to know to make the best financial decision for your student loans. Whether you’re just starting repayment or already a few years in, this expert checklist from FitBUX will guide you through every step, ensuring you avoid costly mistakes and maximize your financial future. We cover key topics like: Choosing the right repayment strategy for your goals Understanding the impact of student loans on major life decisions like buyi...2024-10-1009 minThe FitBUX PodcastThe FitBUX Podcast$987k In Debt To Fortune | Naseema's Insance Financial TurnaroundWhat would you do if you were $1 million in debt? In this episode, we sit down with the incredible Naseema McElroy (‪@financiallyintentional‬), a nurse practitioner, mom, and financial powerhouse, who didn’t just tackle that level of debt—she turned it into almost $1 million in assets! 💸 Naseema shares her inspiring journey, from struggling with financial missteps to creating a future filled with financial independence and security. We dive deep into how she shifted her mindset, the strategies she used, and the lessons she’s learned along the way. Whether you're looking to eliminate debt, grow your wealth...2024-09-2534 minThe FitBUX PodcastThe FitBUX PodcastFrom 0 to 700k+ Subscribers: How Mike Mutzel Turned Passion Into Influence & A BusinessIn this inspiring FitBUX podcast episode, Joseph Reinke sits down with Mike Mutzel, founder of High Intensity Health ( @Highintensityhealth ) Myoxcience, to dive deep into his journey from passionate health advocate to successful business owner. Mike shares the invaluable skills he’s learned along the way, the connection between health and financial wellness, and tips for expanding beyond digital creation. Whether you’re curious about writing a book, growing your business, or simply looking for personal growth advice, this conversation is packed with insights for young professionals on their journey to financial wellness.   Video Version: https://youtu.b...2024-09-1744 minFinancially IntentionalFinancially IntentionalWhy Financial Behaviors Matter More Than Math - Episode 87Send us a textToday, I'm chatting with Joseph Reinke, the founder of FitBUX and a financial whiz who’s been investing since he was 12 years old. Joseph has a ton of experience helping young professionals navigate everything from student loans to mortgages. We talk about the importance of financial education, how to avoid lifestyle creep, and simple steps you can take to build wealth over time. Plus, Joseph shares how he's teaching his daughter to manage money and start her own businesses.About our guestJoseph Reinke is a Chartered Financial Analyst (CFA) an...2024-08-2245 minThe FitBUX PodcastThe FitBUX PodcastFinancial Planning Vs Budgeting: How To Achieve True Financial SuccessIn this episode, we dive deep into the differences between financial planning and budgeting, exploring how each plays a crucial role in achieving true financial success. Discover how I transformed my financial situation and gained financial freedom through effective strategies that go beyond just managing expenses. Learn the importance of financial planning in setting long-term goals and how budgeting can help you stay on track in your day-to-day life. With insights from my own experiences and tips from Fitbux, you'll find practical advice on how to create a balanced approach to your finances. Whether you're...2024-08-1409 minThe FitBUX PodcastThe FitBUX PodcastExpert Real Estate Update: Latest News, Potential Recession, and The Impact On You!In this episode of our economic update, we dive into the major financial news impacting the markets. We start with an in-depth analysis of the latest financial numbers—it's technical, but don't worry, Josh breaks it all down clearly and concisely. In the second half, we shift our focus to the real estate market, discussing how these recent developments affect homeowners, potential buyers, and market watchers alike. Key Takeaways: Understand the implications of the latest economic indicators. Learn how these changes can impact your retirement and investment strategies. Get expert insights into the current real estate ma...2024-08-0646 minThe FitBUX PodcastThe FitBUX PodcastUltimate guide To Compound your way to Financial FreedomWelcome to "The Ultimate Guide to Compound Your Way to Financial Freedom," a podcast dedicated to helping you unlock the secrets of compounding to achieve financial independence. Hosted by a seasoned wealth management expert and the founder of FitBUX, this podcast provides actionable tips, innovative strategies, and real-life success stories to guide you on your journey to financial freedom. In each episode, we dive deep into the world of personal finance, debunking common myths and revealing the truth about compounding growth. You'll learn how to maximize your investments, optimize your financial planning, and leverage the power of...2024-08-0307 minThe FitBUX PodcastThe FitBUX PodcastStudent Loan Repayment Loophole Saves $1,000sUncover a little-known student loan repayment loophole that has the potential to save you thousands of dollars in the long run. In this informative podcast, we will carefully explore the intricacies of how this loophole operates, ensuring that you grasp the concept fully. Our step-by-step guide will walk you through the process of leveraging this loophole to significantly decrease your student loan debt, offering you a tangible way to alleviate the financial burden that comes with loan repayment. This is an opportunity you definitely do not want to overlook if you are looking...2024-07-0707 minThe FitBUX PodcastThe FitBUX PodcastBreaking News: Biden's SAVE Student Loan Plan In Jeopardy!In this episode, we discuss breaking news on President Biden's student loan repayment plan, SAVE, which faced four significant setbacks this week. Join us as we analyze the implications of these developments and what they mean for student loan borrowers moving forward.2024-06-2908 minThe FitBUX PodcastThe FitBUX PodcastBad 401k TikTok Advice: Expert ReactionOur financial expert reacts to some of the worst 401k advice I've seen on TikTok. As a financial expert, I get DMs daily about questionable financial tips floating around the internet. Today, I'm breaking down a viral TikTok claiming that 401ks aren't worth it. Spoiler alert: some points are valid, but there's a lot of misleading information too. I'll explain why matching contributions are crucial, the importance of understanding vesting, and debunk myths about market control and tax penalties. Plus, I'll reveal the hidden agenda behind this advice and why it's important to be cautious about where...2024-06-2713 minThe FitBUX PodcastThe FitBUX PodcastThe Acolyte & Inside Out 2 Teach Us An Investment Lesson That Saves You $1,000sJoin us as we delve into how The Acolyte and Inside Out 2 come together to provide a valuable investment lesson that has the potential to save you thousands of dollars in the long run. We will explore in detail how to attain financial freedom by implementing intelligent money management techniques and investing strategies specifically designed for young professionals such as yourself. Uncover the essential aspects of retirement planning, mastering your finances, and effectively managing your wealth with expert insights from FitBUX. Whether you are a devoted Disney aficionado, a passionate Star Wars supporter, or someone who is simply keen...2024-06-2419 minThe FitBUX PodcastThe FitBUX PodcastWe've helped 10,000s Qualify For PSLF. Here's How!In this episode, Joseph Reinke, CFA demystifies the Public Service Loan Forgiveness (PSLF) program and guides you through the essential steps to qualify. Despite many believing they don’t meet the criteria, most borrowers with Direct Loans are inherently eligible. If your loans are not Direct Loans, we discuss the nuances of loan consolidation and how it impacts your eligibility. We delve into the intricacies of Income-Driven Repayment (IDR) plans, crucial for PSLF qualification, explaining why PSLF is not a standalone plan but a feature within these programs. Learn the importance of annually recertifying your income to av...2024-06-0608 minThe FitBUX PodcastThe FitBUX PodcastShifting Our Mindset On DebtIn this podcast episode, Joseph Reinke discusses how two FitBUX members use pscyhology to rethink debt and reduce their financial related stress. In one instance, the FitBUX member has a low interest rate mortgage debt.  Although his savings account is earning more interest, he is stressed about having a 300k balance on a mortgage. In the other instance, the FitBUX member needs to save for the IDR tax bomb but is stressed that their student loan balance isn't going down. Tune in to see how these FitBUX members used Joe's guidance to reduce t...2024-05-0216 minThe FitBUX PodcastThe FitBUX PodcastWhat Is Human Capital | Generate A Lot Of Wealth By Knowing What Human Capital Is.Join Joseph Reinke, the founder of FitBUX, as he explores the often overlooked concept of human capital and its critical role in achieving financial wellness and freedom. In this engaging podcast episode, Joseph addresses a common concern among young professionals: the daunting reality of debt and negative net worth. However, he brings a fresh perspective by illustrating how human capital—your education, experiences, and skills—constitutes your most valuable asset. This episode demystifies the concept of human capital, explaining it not just as your potential to earn, but as the embodiment of your knowledge, creativity, and professional attr...2024-04-2518 minThe FitBUX PodcastThe FitBUX PodcastPresident Biden's new Student Loan Debt Relief ProposalWelcome to the latest episode of our podcast, where we delve into the heart of financial wellness and empowerment for the modern young professional. In this special episode, our founder and leading financial expert, Joseph Reinke, takes an in-depth look at the newly announced plans for student debt relief. With a fine-tooth comb, we dissect the proposals, their potential impact, and the reality behind the numbers. Are these plans a beacon of hope for millions, or a political move with the elections in mind? Joseph doesn't just lay out the facts; he invites you to weigh in...2024-04-1120 minThe FitBUX PodcastThe FitBUX PodcastAvoiding Costly Mistakes On IDR Student Loan PlansIn this Podcast, Joseph Reinke, CFA, founder of FitBUX, dives deep into the complex world of Income-Driven Repayment (IDR) plans for student loans. Discover the common pitfalls that borrowers face, including miscalculated monthly payments due to both borrower and loan servicer errors, and learn strategic ways to avoid them. Whether you're married and confused about how your spouse's student loan debt affects your payments, or you're struggling with inaccurate payment calculations from loan servicers, this video is a must-watch. Joseph shares real-life examples where borrowers saved tens of thousands of dollars by identifying and correcting these mistakes.2024-04-0525 minThe FitBUX PodcastThe FitBUX PodcastHow A Tax Refund Works and What You Should Do With ItIn this episode, we're discussing how a tax refund works and what you should do with it. "I'm so happy my tax refund is a lot this year." Does that sound familiar? While initially pleasing, a large tax refund might not be as beneficial as it seems. We'll explore why receiving a hefty tax refund indicates you've provided the government with a zero-interest loan and how you can adjust your withholdings for a better financial balance. We'll also guide you through the smartest ways to utilize your tax refund, aligning with both short-term satisfactions and long-term financial...2024-03-2809 minThe FitBUX PodcastThe FitBUX PodcastIs Buying A House About To Get Cheaper? - Weekly Financial Update 3.22.24In this podcast, we dive deep into the news that is shaking up the American real estate market. A landmark antitrust ruling against the National Association of Realtors has led to a historic $418 million settlement that's poised to transform how homes are bought and sold in the U.S. What does this mean for you? Whether you're buying, selling, or just interested in the future of real estate, you'll find valuable insights here. We break down the implications of the settlement, including the end of standard 6% commissions and the move towards competitive and negotiable agent fees. This change is...2024-03-2313 minThe FitBUX PodcastThe FitBUX PodcastThis Couple Generated $750k In Tax Free Money!Joe discusses a FitBUX Couple that were able to convert $100k of a 401k to a Roth IRA thereby generating approximiately $750k in tax-free retirement money. Plus, they can access the 100k anytime they want to without penalty! Need help? Be sure to join FitBUX.2024-03-2110 minThe FitBUX PodcastThe FitBUX PodcastAvoiding The Pitfall: The Critical Mistake Student Loan Borrowers Are Making Between SAVE vs PAYEIn this enlightening episode of the FitBUX Podcast, we dive into a critical and timely topic that resonates with many high-income earners and married couples—making the right choice between SAVE and PAYE for student loan repayment. With PAYE on the brink of expiration, our host, Joseph Reinke, CFA and founder of FitBUX, sheds light on the nuances and potential pitfalls of these repayment plans through the lens of a real-life case study. Learn about a common yet crucial misstep many make—directly contributing to a Roth IRA without considering the strategic benefits of a backdoor Roth IRA...2024-03-1212 minThe FitBUX PodcastThe FitBUX PodcastWeekly Financial Update 3.8.2024 In this pivotal episode of the FitBUX Podcast, we dive deep into the recent announcement from the Department of Education, extending the Income-Driven Repayment (IDR) plan recertification deadline to no earlier than late September 2024. Amidst the swirling confusion and concern within our vibrant community of students and new graduates, this episode aims to shed light on the complexities of this extension and its implications on your financial journey. Join us as we unravel: The critical details of the IDR deadline extension and what it means for those who've already recertified, as well as those awaiting to...2024-03-0811 minThe FitBUX PodcastThe FitBUX PodcastThis Student Will Generate 600k In Tax Free $$$In this episode, Joe discusses a FitBUX member who is a student and had $60k in a 401k.  He illustrates how this student was able to do a roth conversion ladder and turn that money into tax free money that he can access penalty free if he chooses to post graduation. In addition, if he leaves it in the Roth IRA until retirement, he'll have $600k in tax free money when he retires! To get help, be sure to join FitBUX.2024-02-2911 minThe FitBUX PodcastThe FitBUX PodcastRoth Conversions Unveiled: A Game-Changer in Your Financial Strategy In this enlightening episode of the FitBUX Podcast, we're focusing on a topic that could significantly impact your financial future: Roth Conversions. Join our host, a seasoned financial expert with a deep understanding of asset management, as we unravel the complexities and advantages of converting your Traditional IRA into a Roth IRA. What You'll Discover in This Episode: Roth Conversion Essentials: We start with the basics, providing a clear understanding of what Roth Conversions are and how they work. Strategic Benefits for Young Professionals: Discover why Roth Conversions are not just for the nearing-retirement crowd but...2024-02-1613 minThe FitBUX PodcastThe FitBUX PodcastUnraveling The IDR Tax Bomb & How To Save For ItToday on the FitBUX Podcast, we're tackling the often-overlooked but crucial topic of the IDR Tax Bomb. Join us as we explore the nuances of income-driven repayment plans and their potential tax consequences. Our financial experts will break down the complexities of student loan forgiveness and its impact on your fiscal health. Plus, we'll share strategic insights on how to effectively save for this eventuality, with a special focus on the benefits of Roth IRAs. Tune in for valuable tips and actionable advice tailored for the 20-40 age group, helping you secure your financial future with confidence.2024-02-0814 minThe FitBUX PodcastThe FitBUX PodcastEmily's Story: Married Filing Separately OR Not, IRAs, Financial PlanningIn this enlightening episode of our financial podcast, we delve into the real-life story of Emily, a FitBUX member who faced a common yet complex dilemma many married couples encounter: whether to file taxes separately or jointly when dealing with student loans. Emily, like many others, found herself at a crossroads, balancing the intricate dynamics of marriage, income disparities, and the burden of student loan debt. Our episode takes a closer look at her decision to file separately, a choice that significantly impacted her student loan repayment strategy. Join us as we explore the nuances...2024-02-0118 minThe FitBUX PodcastThe FitBUX PodcastAvoiding The Most Common Mortgage TrapIn this episode, we share the journey of a FitBUX member — and a dear friend — who almost fell into the trap of a high-risk adjustable-rate mortgage. As we dissect his story, we unravel the dangers of going for the seemingly attractive lower rates without fully understanding the long-term implications. We expose the essential questions most first-time homebuyers fail to ask, and the misconceptions that lead them to believe all financial professionals have their best interests at heart. We go beyond just sharing cautionary tales, though. This episode promises to equip you with...2024-01-2517 minThe FitBUX PodcastThe FitBUX PodcastHow To Take Advantage Of Roth Conversions As A TravellerIn this episode, Joe discusses how travel healthcare workers can take advantage of Roth IRA Conversions to generate tax free funds in the future. Need Help?  Be sure to join Fitbux2024-01-1809 minThe FitBUX PodcastThe FitBUX PodcastThe Double Debt Consolidation Loophole For Parent PLUS LoansWelcome to the FitBUX Podcast, where we decode the complex world of student loans, helping you to leverage loopholes and strategies like the "double debt consolidation" to ease your financial burden. Join Joseph Reinke, CFA, as he simplifies the daunting process of loan repayment. In this episode, Joseph discusses the Parent PLUS loans and how both retirees and children repaying them can benefit from the double debt consolidation loophole. So buckle up as we journey through the maze of student loans, giving you the tools to secure your financial future. Don't...2024-01-1111 minThe FitBUX PodcastThe FitBUX PodcastAvoiding The Financial Trap Most People Fall IntoJoin us on this episode as we delve into a prevalent financial pitfall - lifestyle creep. We’ll unravel a real-life case study of a couple who, despite a significant income increase, found themselves living paycheck to paycheck. This podcast will not just expose the intricacies of this financial trap, but also equip you with actionable advice on how to avoid falling into it. Learn about setting financial goals, making smart investments, and maintaining a sustainable lifestyle, regardless of income changes. Tune in for these insights and more, and empower yourself to...2024-01-0411 minThe FitBUX PodcastThe FitBUX PodcastHousing Outlook 2024 With Josh MettleJoin us on this insightful episode as we delve into the intricacies of the housing market with experts Josh Mettle of NeoHome Loans and Joseph Reinke, Founder of FitBUX. We dissect the events of 2023, exploring why home prices remained steadfast despite soaring interest rates, and make informed predictions about the housing market's trajectory in the coming year. Understand the implications of Federal intervention in the housing market, and how it has impacted younger and low to middle income individuals. If you're seeking guidance on your financial plan, don't miss out on FitBUX's revolutionary financial planning technology. Sign...2023-11-1756 minThe Mind Body Business ShowThe Mind Body Business ShowEP 269: CFA & Founder Joseph Reinke on The Mind Body Business ShowHe is a Chartered Financial Analyst (CFA) and founder of FitBUX which has helped young professionals manage $2.6 billion in assets and debts on their journey to financial freedom. Joseph has been personally investing since he was 12 years old. In addition, he has experience in student loans, mortgages, wealth management, investment banking, valuation, stock trading, and option trading. He has been on 100s of podcast and has been invited to 100s of universities to discuss financial planning with their soon to be graduates. He now serves as an adjunct professor for 6 universities teaching financial wellness curriculum.   Exclusive G...2023-11-131h 09The FitBUX PodcastThe FitBUX PodcastWeeky Financial Update 11.11.23 "Messed Up Student Loan Payments"In this week's episode of FitBUX podcast, host Joseph Reinke, dives deep into the complex world of student loan repayment plans, discussing common errors and effective strategies for dealing with loan services. He underscores the importance of using a reliable calculator to estimate payments and highlights the current "on-ramp" scenario introduced by the Biden Administration. Additionally, Joseph shares insights on the housing market and provides an update on the stock market, emphasizing the power of dollar cost averaging in your retirement accounts. Listen in to understand the subtle interplay between risk and reward in your investments, and how FitBUX's...2023-11-1120 minThe FitBUX PodcastThe FitBUX PodcastFitBUX Weekly Financial Update 9.29.23Welcome to another edition of FitBUX's Weekly Financial Update, your trusted source of noteworthy financial news tailored specifically for the 20 to 40-year-old demographic. As always, we're here to provide you with the most recent and relevant information on student loan updates, developments in the real estate market including mortgage rates and home affordability, and fluctuations in the stock market. Here's the latest financial news that you need to know to make informed decisions and optimize your financial health. Let's dive right in!    -*-*- USEFUL LINKS -*-*- ht...2023-09-2912 minFinancial Survival NetworkFinancial Survival NetworkWhy Go To College -- Why Go To Night School -- Joseph Reinke #5891this interview, Kerry Lutz and Joseph Reinke discussed the challenges of investing in an uncertain economic climate and the importance of managing risk and setting realistic goals. They emphasized the need to focus on increasing assets and debt over time while prioritizing short-term goals such as paying off debt or saving for a down payment on a house. The concept of human capital was also discussed, and Reinke's algorithms were highlighted as a tool to quantify the risk associated with different income streams and educational investments. The importance of education and its impact on financial stability was also explored, with...2023-09-0517 minKerry Lutz\'s--Financial Survival NetworkKerry Lutz's--Financial Survival NetworkWhy Go To College -- Why Go To Night School -- Joseph Reinke #5891this interview, Kerry Lutz and Joseph Reinke discussed the challenges of investing in an uncertain economic climate and the importance of managing risk and setting realistic goals. They emphasized the need to focus on increasing assets and debt over time while prioritizing short-term goals such as paying off debt or saving for a down payment on a house. The concept of human capital was also discussed, and Reinke's algorithms were highlighted as a tool to quantify the risk associated with different income streams and educational investments. The importance of education and its impact on financial stability was also explored, with...2023-09-0517 minThe FitBUX PodcastThe FitBUX PodcastInterview with Student Loan Expert, Mark KantrowitzWelcome to our enlightening discussion with student loan expert, Mark Kantrowitz. As a celebrated author, consultant, and a well-quoted resource for over 10,000 publications, Mark has carved a niche in the realm of student loans and college financial planning. From testifying before Congress to appearing on high-profile shows like Susie Orman, Mark's extensive industry knowledge has made him a beacon for students and parents navigating the often complex landscape of student loans and financial aid. In this episode, we traverse a range of topics, from sourcing scholarships and grants to understanding the nuances of 529 plans, tax...2023-08-3139 minThe FitBUX PodcastThe FitBUX PodcastGetting $1k Stolen Each Year!Are you worried about getting ripped off by financial planners or investment advisors? In this podcast, I'm going to discuss how investment advisors can cost you a lot of money with an actual example from someone using FitBUX's technology and service. Learn the basics of how financial advisors get paid, as well as two primary ways they make money. Discover why it pays to understand your other options when it comes to investing - DIY or using a company that uses technology to lower fees. Get all the information you need here! https://www.fitbux...2023-08-3124 minThe FitBUX PodcastThe FitBUX PodcastIDR Uncovered: Clearing Up The Confusion Before Repayment StartsWelcome to "IDR Uncovered," where we delve deep into the perplexing world of Income-Driven Repayment (IDR) plans for student loans. This podcast is designed to enlighten, inform and guide you through the intricacies and potential pitfalls associated with IDR. We'll confront the widespread confusion surrounding IDR, clarifying the differences between Student loan forgiveness programs, such as SAVE vs PAYE, addressing common queries like 'who should choose SAVE?' or 'do I need to recertify my income?'. Our mission is to untangle the complexities and clear up any confusion you may have. Throughout this episode...2023-08-3016 minThe FitBUX PodcastThe FitBUX PodcastWeekly Money Update 8/2/23This week we talk about the new student loan repayment plan SAVE going into effect as well as the new PSLF update taking place in California and Texas. For home buying and investments we discuss affordability of housing and if its going to get better any time soon. Need help with your financial plan?  Get help at https://www.fitbux.com  2023-08-0221 minThe FitBUX PodcastThe FitBUX PodcastTerm vs Whole Life Insurance: Which One To Use?Are you trying to decide between term life insurance and whole life insurance?  Confused about the differences, advantages, and disadvantages of each type of policy? There's a significant difference between the two and why you would use each one.  Listen to this podcast for an in-depth look at both policies so you can make an informed decision.   Get all the information you need with FitBUX's financial planning technology - start today!   If you enjoyed this video make sure to like, subscribe, comment and share with your friends! Get...2023-07-1311 minThe FitBUX PodcastThe FitBUX PodcastSAVE: How It Works and Whom Its Best ForIn this podcast, we discuss the new SAVE student loan repayment plan which has been designed to reduce student loan payments in the near term. We will talk about how it works, what features are staying the same and also when it will become available. We'll also look at some of the situations where SAVE can make sense and share tips for applying for it and avoiding any tax surprises! Tune in now to learn more about saving on a valuable education plan with SAVE! Want student loan help? ...2023-07-0120 minThe FitBUX PodcastThe FitBUX PodcastFirst Time Home Buyers PodcastAre you a first-time home buyer? Do you need help understanding the complex world of mortgages, loan-to-value ratios and calculating how much mortgage you can afford? Listen to our podcast and get all your questions answered! We'll cover essential topics like debt-to-income ratio, different interest rate types, paying points on your mortgage and more. Plus, we've got helpful resources like FitBUX technology to help customize these decisions based on your individual situation. So let's get started and find you the perfect place to call home!   ...2023-06-2926 minThe FitBUX PodcastThe FitBUX PodcastSuper Roth IRA: A Little Known Strategy For High EarnersAre you looking to maximize your retirement savings and secure your financial future? Then a Super Roth IRA could be the perfect option for you! In this podcast, we discuss what a Super Roth IRA is, how it works, who should consider investing in one, and the risks associated with investing in this type of account. Tune in to learn more about how over-funding life insurance can provide an excellent opportunity for tax-deferred growth while still providing adequate protection for loved ones. Links: https://www.fitbux.com  2023-06-2214 minThe FitBUX PodcastThe FitBUX PodcastThe Economic Impact of Student Loans Restarting - Reaction To New York Times ArticleIn this episode of the podcast, Joe will discuss a recent New York Times article examining the economic impact of student loans restarting. He'll look at examples from the article to explain how individuals can avoid making costly mistakes and then add his thoughts on what kind of economic repercussions we could see when repayment starts again. Tune in for an insightful discussion about the future of our economy! Get student loan help: https://www.fitbux.com/student-loan-planner Get Planning Help: Https://www.fitbux.com  2023-06-2226 minThe FitBUX PodcastThe FitBUX PodcastNew GOP Student Loan BillAre you interested in learning more about student loan debt and the different political views on how to address it? Join us for this podcast as we discuss GOP and Democrat approaches to student loan reform. We'll dive into the five bills proposed by Republicans that focus on providing students with more information before they attend college, cutting down payment options, placing caps on loans, and requiring a higher expected salary after graduation. We'll also look at the Democratic proposal of free public university tuition. Don't miss out!   Student L...2023-06-1622 minThe FitBUX PodcastThe FitBUX PodcastBanking Products: Checking, Savings, Money Market vs CDsAre you confused by the differences between checking accounts, savings accounts, money market accounts and certificates of deposit (CDs)? In this podcast I will explain each type of account in detail so that you can make an informed decision about which one is best for your financial goals. Plus, I'll provide some tips to help you get the most out of your account. So if you want to learn more about these different types of banking products, tune into this episode!   -*-*- USEFUL LINKS -*-*- * h...2023-06-1508 minThe FitBUX PodcastThe FitBUX PodcastFrom MD to Lending Business: Meet Doc2Doc cofounder Kenton Allen & Learn From His Incredible JourneyLearn about Kenton Allen's incredible journey from a medical doctor to the co-founder of Doc2Doc, an online lending platform specifically designed for medical professionals. In this video, Kenton shares his story and the issues he faced during and after residency. He also explains why it is important for MDs and dentists to understand loans when it comes to their profession. Learn more about the loan products offered by Doc2Doc that help buying into a practice, as well as some closing lessons! Hear how his journey began from being an...2023-06-0837 minThe FitBUX PodcastThe FitBUX PodcastLong Term Disability Insurance and The Optimal Way To Buy ItAre you looking for the best way to buy long term disability insurance? This video will show you how to get the most out of your policy and ensure financial security. First, determine the elimination period that matches up with your emergency fund. Then, look at the benefit period and consider an up-to-retirement age policy to provide maximum protection. Finally, combine coverage types by buying both own occupation and any occupation policies. Doing so can provide adequate coverage at a lower premium than if you bought a single policy.2023-06-0117 minThe FitBUX PodcastThe FitBUX PodcastCreating a Financial Plan Around $400,000 in Student Loan Debt with FitBUXThe FitBUX podcast hosted by Joseph Reinke is all about helping listeners understand their financial situation and how to make the best decisions for their future. In this episode, Joseph talks to a couple in their mid-twenties who have recently graduated from college and are trying to navigate the financial landscape. Both of them are working in health care as physical therapists, making an annual salary of 76k a year. The woman owes 208k in student loans and is eligible for Public Service Loan Forgiveness (PSLF), while the man owes 198k in student loans. They...2023-05-2524 minThe FitBUX PodcastThe FitBUX PodcastThe FIRE Movement, Financial Samurai's Story, and Why it Matters: Achieving Financial Freedom Beyond the Dollar AmountToday's show will focus on the FIRE movement and the recent event that has brought it into the spotlight. We'll be discussing why financial freedom doesn't have to come with a dollar amount, why you need to simulate your plan and keep tracking it, and how a financial professional shed new light to this idea.   We'll start by exploring what the FIRE movement is all about. This acronym stands for Financial Independence/Retire Early, and it's a popular approach used by people looking to achieve financial freedom. It involves cutting back on expenses and investing w...2023-05-1817 minThe FitBUX PodcastThe FitBUX PodcastManaging Your Money Wisely: A Case Study On How To Invest As A New GradToday we are discussing how to manage your money wisely, and the risks associated with investing. We are focused on a specific case study of a recent graduate who has some cash in their 401k, Roth IRA and taxable investment account. The first thing that stands out is that this individual does not have an emergency fund yet. This is quite concerning as an emergency fund is vitally important for any financial plan, especially when starting out in life. Without an emergency fund, our new graduate is left vulnerable to unexpected costs that could potentially derail their...2023-05-1116 minThe FitBUX PodcastThe FitBUX PodcastPlanning For A Wedding, Moving, Buying A House, & Student LoansThis podcast episode is all about developing a financial plan based on the specific circumstances of a couple. To illustrate this, we use a real life example of a physical therapist and his fiancé, who are both recent graduates and will be getting married this year. They have saved over 100k between their cash accounts, taxable investments and retirement. They have also paid down their student loans and auto loans to a nominal amount.  This couple plans to move to another stated to work for a few years, before moving back home to buy a du...2023-05-0430 minThe FitBUX PodcastThe FitBUX PodcastAI Is ComingIn this podcast, we discuss how universities are falling behind on student debt and AI/Tech advancements, resulting in a decrease of value for university education. We use this as an example of why it's important to keep learning so you don't become obsolete and avoid financial ruin. Tune in now! If you need help developing your financial plan and implementing, be sure to check out our new technology at FitBUX.2023-04-2015 minThe FitBUX PodcastThe FitBUX PodcastWeekly Personal Finance Update 4.17.23Welcome to the weekly financial update podcast! This week we discuss student loans, mortgages, and stocks. This podcast episode covers the latest news on student loans and how to get them forgiven. We discuss the new digital signature feature for PSLF recertification, as well as a recent Supreme Court ruling that could allow borrowers to have their loans forgiven if they can prove fraud by their school. Additionally, we explore the fact that while less than one in 10 undergraduates default on their loan payments, only six in 10 actually complete their degree within six years of starting school.2023-04-1726 minThe FitBUX PodcastThe FitBUX PodcastFinancial Misinformation and One Way To Overcome ItIn this episode, I highlight 2 examples of financial misinformation on the internet.  The purpose of highlighting it is to illustrate how the advice seems good but people that follow it put themselves in a horrible situation. I then go describe how to overcome this misinformation so you can achieve financial freedom. If you need help with your money, be sure to become a premium member of FitBUX.2023-04-1319 minThe FitBUX PodcastThe FitBUX PodcastInterview with...Theresa Richards, SLPEven if you're not a SLP, this episode is still for you! There's a little bit about business, a little about mindset, and a lot about pivoting when you see a need for change regardless of which profession you're in.  Theresa is a medical speech-language pathologist and Board Certified Specialist in Swallowing and Swallowing Disorders.  She previously owned a mobile FEES company that serviced over 100 skilled nursing facilities across 4 states. Joe and Theresa discuss how Theresa chose SLP as a career, and how she started in the school system, and then transitioning to sw...2023-04-0635 minThe FitBUX PodcastThe FitBUX PodcastWhat Is Money Part 2This is part two of our What is money podcast.  In part 1 we described what the saying "money is a reflection of past event" means in regards to your income and how you can use this knowledge to your advantage. In this episode, we talk about using this knowledge to develop tangible financial freedom.   For What is Money? Part 1, click here:  https://www.fitbux.com/podcast/what-is-money-part-1/  2023-03-3014 minThe FitBUX PodcastThe FitBUX PodcastWhat Is Money Part 1Financial freedom consists of two parts: Intangible and tangible financial freedom. Intangible financial freedom is how we mentally think about money.   In this episode, Joe discusses his definition of what money is and how to use this knowledge to improve your tangible financial position. The concept he shares is this: Money is a reflection of past events.  See how this applies to your current income in this episode. If you want more information on financial freedom, be sure to check out our financial freedom webinar. If you want financial hel...2023-03-2322 minThe FitBUX PodcastThe FitBUX PodcastWeekly Financial Update 3.10.23This is a quick update on the student loan pause lawsuit from SoFi and info on how the SVB closure is going to rattle the markets.2023-03-1010 minThe FitBUX PodcastThe FitBUX PodcastWhat To Know About Conforming LoansThis podcast explores conforming loan limits: the maximum amount of money a lender can lend for mortgages backed by Fannie Mae and Freddie Mac.  We discuss: What qualifies as a conforming mortgage limit,  Types of loans that fall under the loan limit,  The factors that affect the limit,  And how to qualify for one.   2023-02-2514 minThe FitBUX PodcastThe FitBUX PodcastAn Example Of How To Make A Good Home Buying DecisionThis episode is a story about how to make good financial decisions.  In this particular story, it's about a girl in healthcare who made a good home buying decision. She has paid off over 6 figures in student loan debt in 7 years, and now her financial focus is shifted towards buying a house.  Here comes the dilemna.  They wanted to buy a house, but they wanted to move back to their hometown in 5 years.  They didn't want to rent anymore.  Makes complete financial sense; However, the problem is ... Listen to Joe explain what the probl...2023-02-2517 minThe FitBUX PodcastThe FitBUX PodcastHow Much Emergency Fund Do I Need & How To Invest ItThis episode details how much you need in an emergency fund and how to invest those funds. I discuss each of the following: What is an emergency fund? What expenses to include. Two of the biggest factors in determing how much to have How to invest your emergency fund Using a Roth IRA as an emergency fund Reducing your emergency fund to pay off debt faster If you'd like to read more you can use this link: https://www.fitbux.com/articles/how-much-emergency-fund/ Resources Mentioned In The Podcast: Emergency Fund AI: h...2023-02-1522 minThe FitBUX PodcastThe FitBUX PodcastHow Student Loan Interest WorksThere is a bit of confusion on how student loan interest works. In this video I break down how student loan interest works while you are in school, during your grace period, and once you are in repayment. I also discuss how student loan interest works on subsidized loans as well as for tax deductions. If you enjoyed this video make sure to like, subscribe, comment and share with your friends! Get more FitBUX content from the links below. ** Resources Mentioned In The Video** https://www.youtube.com/watch?v...2023-02-1412 minThe FitBUX PodcastThe FitBUX PodcastThe New REPAYE Plan Is Bad NewsPresident Biden announced a new student loan repayment plan at the end of January.  Well, actually its not new.  His plan is to revised the REPAYE program. Although people have been cheering it because how low it drops your monthly payments, it is extremely bad news in regards to the big picture. This podcast details why and what you need to do so you can be prepared. If you want more details on the new REPAYE program that has been proposed you can check out this episode of the podcast. ...2023-02-0614 minThe FitBUX PodcastThe FitBUX PodcastWeekly Finance Update February 2.3.23Each week we provide a financial update on items that are relative to young professionals.  The three topics we highlight are student loans, investments, and real estate. This week, the major announcements centered around student loans.  Primarily, they discuss when loan repayment may be starting and highlight the need to start planning now. Links referenced in this podcast: Real estate valuation update: https://open.spotify.com/episode/0uwgYdB4SrJsL4xwgKK50O Affordable financial planning help: https://www.fitbux.com  2023-02-0321 minThe FitBUX PodcastThe FitBUX PodcastManaging Money As A CoupleOne of the leading causes of break-ups and divorces is money.  I can't tell you how many calls I've been on were couples argue about it.  So in this podcast, I'm going to share with you some tips on how to manage money as a couple.  One key takeaway I want you to remember: When you manage your money together wisely it will be easier to have money complement your life instead of dictate it.   If you'd prefer reading about these tips, click here.  2023-01-2623 minThe FitBUX PodcastThe FitBUX PodcastReal Estate Valuation Update 1/23We've been asked by many young professionals if they should be buying a house right now or waiting.  Everybody should buy when they feel ready. However, home affordability is at a 40 year low!  Therefore, I decided to dig into my old valuation bag to predict how much I think housing prices are going to drop. In September, I did a valuation and today I'm updating it based on current market conditions. As a forshadowing, things are starting to look more affordable out there. This was a back of the napkin type of...2023-01-2015 minThe FitBUX PodcastThe FitBUX PodcastBiden's Big Student Loan UpdateJoe Biden has announced his new student loan repayment plan.   Its' actually not new.  Its a revision to revised pay as you earn (REPAYE). If this goes into law which it has a good chance of doing, it has massive implications.  If you borrowed student loans between 2007 and 2014 you'll want to listen because you have to make a massive choice and have to make it soon. If you are going to pay off your Federal student loans you're going to want to listen because this can save your $10,000s. If y...2023-01-1425 minHealthy Wealthy & SmartHealthy Wealthy & SmartJoseph Reinke: Finding Financial FreedomIn this episode, Founder of FitBux, Joseph Reinke, talks about financial freedom. Today, talks about understanding financial freedom, developing and implementing a financial plan, and FitBux. How long should you be focusing on one thing? Hear about student loan updates, budgeting vs financial planning, and get Joseph’s valuable advice, all on today’s episode of The Healthy, Wealthy & Smart Podcast. Key Takeaways “A budget is not a financial plan.” “You’ve got to have intangible financial freedom before you have tangible financial freedom.” “If you focus on one thing, you’re going to achieve it much faster.” “Keep saving.” More about Joseph Reinke...2023-01-0939 minThe FitBUX PodcastThe FitBUX PodcastFinancial Advisor vs Planner: Should you use either of themThere are small difference but important ones to know when comparing a financial advisor vs planner. The big question is: Should you use either one of them? Financial advisors are supposed to help clients manage their money. This includes investment management, insurance ‘investing’, real estate, etc. Financial planners focus more on building a comprehensive plan and look at a broader picture. In my opinion, in very few cases are they worth it. USEFUL LINKS -*-*- * https://www.fitbux.com * https://www.fitbux.com/podcast/ ...2023-01-0215 minThe FitBUX PodcastThe FitBUX PodcastRoth IRA For Beginners: Keys Of What You Need To KnowThere is a lot of confusion about investments.  Specifically, I hear from many people who are confused about Roth IRAs.  Therefore, in this video I explain Roth IRA for beginners. In the video I describe: - What A Roth IRA is - Reasons why you should contribute to a Roth IRA - Rapid fire questions that we are asked by many beginners such as how to open a Roth IRA, Roth IRA contribution limits, and how much you should contribute.   -*-*- USEFUL LINKS -*-*- * h...2023-01-0231 minThe FitBUX PodcastThe FitBUX PodcastStudent Loans 2023: What You Need To Know To Be PreparedHere is the latest about student loans and what to expect in 2023.  - What will happen with student loan forgiveness? - When will repayment start? - Should I switch plans?2022-12-2917 minThe FitBUX PodcastThe FitBUX PodcastBuying a $350K vs $900K HouseToday's podcast is a quick story about two different families who bought similar brand new homes in the same area of town.  Both families are about the same age range, similar income, and similar family situations.  The difference is one home cost about $900K, and the other $350K. Now let's see what it means for both families as they enter retirement and net wealth.  2022-12-2813 minThe FitBUX PodcastThe FitBUX PodcastHow Much College Debt Is Too MuchIt's a complex question to answer.  Many will try to answer this by comparing your expected increase in income post-graduation relative to the cost and say a break-even in less than 10 years is good. This is flawed however.  It completely ignores risk factors to your finances.  In this podcast, Joe will review the best way to answer the question in his opinion. If you want more details, check out this article for more information: https://www.fitbux.com/articles/how-much-college-debt-is-too-much/2022-12-2213 minThe FitBUX PodcastThe FitBUX PodcastWhat To Know About Travel PT SalaryFor more Travel PT info and financial strategies, check out this article: https://www.fitbux.com/articles/travel-physical-therapist-salary/2022-12-2216 minThe FitBUX PodcastThe FitBUX PodcastPre-Tax versus Post-Tax InvestmentsIn this quick podcast episode, we explain the benefits of a pre-tax investment and the post-tax investment.  Which type of investment to choose will (as with anything in healthcare, and as you're starting to realize in finance) DEPEND on your goals and situation.   Many people make the mistake of recommending one extreme or the other. They either recommend focusing on pre-tax retirement accounts or focusing on Roth IRAs. Its amazing how many "financial professionals" get this wrong. The correct answer is "it depends" on your situation as well as a focus on re...2022-12-2015 minThe FitBUX PodcastThe FitBUX PodcastMichelle Paid Off $140k In Student Loans & Is On Her Way To Financial Freedom.Michelle, like many of us, was a victim of high priced college education relative to income post-graduation and zero financial education growing up. She loved helping people so she became an OT. She was burnt out because of her money situation. Hear how she overcame a poor money situation, paid off 140k in student loans, and is now on her way to achieving financial freedom.2022-12-2018 minInfinite Financial FreedomInfinite Financial FreedomYou Don't Need To Be An Expert To Begin Investing with Joseph ReinkeIs it better to pay off debts first or begin investing? Can I buy a home if I have student loan debt? How do I prepare for retirement?   Joseph Reinke plans to make it easier to answer these questions and solve the problems people run into as beginner investors with his team at FitBUX.   Joseph is a rock star in finances and money management. He is a Chartered Financial Analyst (CFA) who began investing at 12 years old and has worked in personal finance for 15 years. He has experience in mortgages, wealth management, investing, valuation work, investment banking, and...2022-10-2151 minHealthy Wealthy & SmartHealthy Wealthy & Smart577: Joseph Reinke: FitBUX: GPS For Your MoneyIn this episode, Founder of FitBUX, Joseph Reinke, talks about financial planning. Today, Joseph talks about financial planning technology, the three buckets of financial planning, and the importance of focus. How can FitBUX help people with financial planning? Hear about thinking about percentages, self-employed financial planning, and get Joseph’s advice to his younger self, all on today’s episode of The Healthy, Wealthy & Smart Podcast.   Key Takeaways “Money is always relative.” “The big takeaway is percentages.” “If I focus on one, maybe two things, I’m going to accomplish things much faste...2022-02-1432 minAPTA Pediatrics SNP PodcastAPTA Pediatrics SNP Podcast#22: Student Loan Repayment with FitBux CEO Joseph ReinkeIn this episode we talk all things student loan repayment. Joseph discusses what plans are best for you when repaying your loans and provides some insight into when you should start. We had so much fun chatting about post-graduation finances that we had to make this a two part episode so be on the lookout for part 2! Resources discussed in this episode: Fitbux: https://www.fitbux.com COVID Federal student loans updates: https://studentaid.gov/announcements-events/coronavirus Public Service Loan Forgiveness: https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service Dave Ramsey...2021-02-2334 minNew PTs On the BlockNew PTs On the BlockAll Things Student Loans and Finances with Joseph Reinke, CFAStudent loan debt is something most healthcare providers will have upon graduating, with the current total in the United States equaling $1.56 trillion. When compounded with credit card debt, saving for a house, and the cost of living, developing a financial plan can become very stressful. In this episode we are joined by Joseph Reinke, CFA, CEO and Founder of FitBUX to discuss options for repaying student loans, when to refinance, and general tips for staying financially stable during unpredictable times.  https://www.fitbux.com/Credit Summit. Student Loan Debt Statistics - Updated D...2020-12-071h 20Off The Clock: The Healthcare Entrepreneurs PodcastOff The Clock: The Healthcare Entrepreneurs Podcast20. Joseph Reinke and FitBUXIn this episode of OTC, Paul and Karl talk with Joseph Reinke founder of FitBUX on the values entrepreneurs should hold when thinking of starting their business. He welcomes us into his business journey and grants us tips on how to look for red flags in your business that can save you money and resources. This episode is packed with detailed strategies, don't forget to click pause and replay to write them down.  --- Send in a voice message: https://podcasters.spotify.com/pod/show/off-the-clock-healthcare/message2020-06-1058 minThe Cash-Based Practice PodcastThe Cash-Based Practice PodcastCBP 110: Taming Your Student Loan Debt after Physical Therapy School—with Joseph Reinke from FitBUXJoseph Reinke got his start working in investments. During the runup to the mortgage market meltdown, he noticed that most of the professionals in the field didn’t understand the basics, which led them to take truly absurd risks. He also noticed a segmentation problem in the financial arena that makes it hard for average Americans to get the help they need in order to make good money-related decisions. He saw young people graduating with student loan debt that equals, on average, twice what they can expect to gross in a full year of work.  This bleak sit...2020-02-271h 10Healthy Wealthy & SmartHealthy Wealthy & SmartJoseph Reinke: Student Loan Debt SolutionsOn this episode of the Healthy, Wealthy and Smart Podcast, I welcome Joseph Reinke on the show to discuss student loan debt solutions. Joseph Reinke is the CEO and founder of FitBUX, Inc which is introducing innovative finance products and technology to the student lending industry with a specific focus on physical therapists. In this episode, we discuss: -How family, work and financial goals effect your loan repayment options -Why refinancing public loans may not be an optimal strategy -Practical examples of loan forgiveness strategies -The personal and societal...2020-01-0645 minThe Healthcare Education Transformation PodcastThe Healthcare Education Transformation PodcastJoe Reinke & Alan Fredendall- University/DPT Financial Data 101Joseph Reinke, CEO and founder of FitBUX, Inc., and Alan Fredendall, COO of The Institute of Clinical Excellence and PT at Perry Physical Therapy in Perry, MI, come onto HET Podcast to talk about the published numbers regarding DPT program expenses and revenues.   Resources Mentioned: Prosper Act IRS Private Letter Ruling for 401K contributions James Gordon 2014 McMillian Lecture 2017 FitBUX DPT Program Cost-To-Income Rankings Additional Resources: Blog: Student Loan Debt in PT WebPT: Mounting Student Debt is PT’s Greatest Financial Threat   Related Evidence: Physiotherapy education is a good financial investment, up to a certain level of student debt: an inter-professional econo...2019-03-1144 minNew Medical Nomads PodcastNew Medical Nomads PodcastEp. 28 Dr. Jared Casaza, Part 2: Investing as a Medical Traveler - Travel Finance SeriesDr. Jared Casazza is a traveling physical therapist with a passion for finances and financial independence. Listen to this episode for our investment strategies, info on IRA’s, and options for 401k’s as a medical traveler. 2:00 - Options in Investing 4:00 - Investing in Brokerage accounts and stocks 8:00 - Investing Yourself 11:00 - About I.R.A's (Individual Retirement Accounts) 15:00 - Traditional vs Roth IRA's 20:00 - 401(k) Plan and HSA Accounts 23:00 - 401 (k) Advantages 26:00 - 401 (k) Transfer Options 28:00 - Preferred investments when working Part-time vs Full-time 35:00 - Other investing oppo...2018-01-2240 minNew Medical Nomads PodcastNew Medical Nomads PodcastEp. 27 Dr. Jared Casazza, Part 1: Student Loans - Travel Finance SeriesDr. Jared Casazza is a traveling physical therapist with a passion for finances and financial independence. Listen to this episode for his student loan repayment strategy, and teaching yourself to be financially-debt free. 3:00 - Student loans 7:00 - Debt during school 9:00 - Pay vs. Re-Pay 13:30 – Jared’s Blogs: Seek Forgiveness or Pay-off Your Student Loans Early? https://fifthwheelpt.com/2017/02/18/revisited-seek-forgiveness-or-pay-off-your-student-loans-early/ The Best Student Debt Re-payment Option for Those Seeking Financial Independence (FIRE) https://fifthwheelpt.com/2017/07/09/the-best-student-debt-repayment-option-for-those-seeking-financial-independence-fire/ Re-paying Student Debt with Travel PT https://newgradphysicaltherapy.com/student-debt-travel-therapy/  15:30 - Gross incom...2018-01-1644 minNew Medical Nomads PodcastNew Medical Nomads PodcastEp. 26 Joseph Reinke: Student Debt Repayment Strategies - Travel Finance SeriesJoseph Reinke is a CFA on a mission to provide transparency to healthcare professionals on how to manage student debt. He also works with medical travelers through his company, FitBux. Listen to this episode as we cover specific problems travelers face and unique opportunities that you need to know to know about! 4:00 The background of FitBux 7:00 The big question to ask about student loans 9:00 Loan forgiveness plans 11:00 Financial discipline for healthcare professionals 14:00 Debt repayment specific to physical therapists 21:00 401K as a traveler 22:00 W2 vs. 1040 employee 24:00 Podcasts and books: StarTalk...2018-01-0344 minResilient AdvisorResilient AdvisorThe Student Loan Epidemic & Your Clients With Joseph ReinkeAs a financial advisor, the student loan problem is a major issue when building financial plans. On this episode of The Resilient Advisor Podcast, Joseph Reinke, CFA of FitBUX shares his thoughts on solutions to this issue. Connect With Joseph   Twitter: @Fitbuxofficial Facebook: @Fitbuxofficial Website: www.fitbux.com     About Joseph   Joseph Reinke is the CEO and founder of Fitbux, Inc. FitBUX is introducing innovative finance products and technology to the student lending industry. Joe has been in the finance industry for over a decade and is a CFA Charterholder. He has hosted numerous live chats a...2017-12-0619 minPre-PT Grind | Physical Therapy School PodcastPre-PT Grind | Physical Therapy School Podcast17. 'Let's Talk About Money!' with Joseph Reinke: CEO of FitBUXJoined by our guest Joseph Reinke, CEO of FitBUX, in this episode we discuss what you need to know about loans, school debt, credit card debt, the financial questions you should be asking as well as what to consider now, as a future DPT student! We also address the purpose and value of FitBUX and Fit PT for Pre-PT and DPT students, as well as how you can get a free student loan analysis today and more!2017-09-1340 minHealthy Wealthy & SmartHealthy Wealthy & Smart232: Joseph Reinke, CFA: From Student Loans to RetirementOn this week’s episode, I had the pleasure of discussing financial strategies for Doctor of Physical Therapy student loans with Joseph Reinke. Joseph Reinke is the CEO and founder of FitBUX, Inc which is introducing innovative finance products and technology to the student lending industry with a specific focus on physical therapists. In this episode, we discuss: -Why FitBUX is in the business of aiding human capital development -Helpful and actionable strategies to manage student loan debt -Options for new graduates in debt that want to start their own business...2016-10-031h 12Front Row PodcastFront Row PodcastFRP 007 - A Trip to "The Barn" Farmington PlayersThis week, Deb and Joe take the show to the venerable theater on 12 Mile Road known as "The Barn," home of Farmington Players. Deb and Front Row Podcast get mentioned this week in a Detroit News article.  Show openings this week include "Sleepy Hollow - A Musical" at the Downriver Actors Guild and "The Vast Difference" at Farmington Players. Upcoming auditions include "Fiddler on the Roof" at Grosse Pointe Theatre and "Elf, The Musical" (youth production) at the Village Players of Birmingham.  Our special guests this week are Tony Targan and David Reinke. Tony...2016-09-2331 min