Shows
Financially Independent TeachersEP 230-Gerry Born Takes Your Questions! The Millionaire Educator is Back with Justin GarrittSend us a textAs always, the FIT FAMILY stepped up to the plate with some AMAZING questions for a special Q&A episode with two FIT legends! In this episode, we tackle a variety of questions from our audience about 457(b)'s, 403(b)'s, IRA's, retirement, asset allocation, pensions, investment strategies, fees, and much more! Sorry if we did not get to your question, there was only time for so many! Justin's Website: https://garrittfinancialsolutions.com/Gerry's Website: https://www.millionaireeducator.com/
2025-08-241h 01
Teach and Retire RichTop Teacher Financial Mistakes of 2024Former Baltimore teacher-turned fiduciary advisor Justin Garritt discuss the top teacher financial mistakes of 2024 that he sees in his practice. Garritt Financial Solutions Baltimore Banner 403(b) Story Jeff Venables The Student Loan Planner The FIT Position: A Framework for Financial Success Morgan Housel books & podcasts Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).
2024-12-271h 15Financially Independent TeachersEP 196- Year End Tax Tips and Tricks With Justin GarrittSend us a textToday's guest is Justin Garritt, he is the founder and owner of Garritt Financial Solutions, a financial planning and investment management firm that guides educators, young professionals, healthcare professionals, and first responders to become intentional, secure, and confident about their hard-earned dollars by creating and implementing a financial plan to reach their goals. Garritt Financial Solutions offers ongoing comprehensive financial planning, project-based financial planning, student loan planning, and investment management.He and his team work out of Baltimore MD, but serve clients virtually around the country. Justin's te...
2024-12-221h 14
eSecLending InsightsA New Chapter with ISLA AmericasBrooke Gillman is joined by Justin Aldridge, ISLA Americas Board Member, and Fran Garritt, CEO of ISLA Americas, to learn about the formation of ISLA Americas, what's ahead for the Association, and how coordination across global regions will positively benefit the evolution of the securities lending markets. We also hear about upcoming industry events and how more of the market can get involved in this growing Association.
This material is for your private information and does not constitute legal, tax or investment advice. There is no representation or warranty as to the current accuracy of, nor liability...
2024-11-2119 minFinancially Independent TeachersEP 138-Justin Garritt Part II-Student Loan Forgiveness UpdateSend us a textJustin is back to give us the most recent news regarding public student loan forgiveness. Justin Garritt is a former Maryland teacher turned financial advisor. On this episode, Justin does a deep dive with us the latest regrading loan forgiveness and important deadlines. Justin's Websitehttps://garrittfinancialsolutions.com/
2023-10-2938 minFinancially Independent TeachersEP 137-Justin Garritt Discusses EVERYTHING Money. Open Enrollment, Tax Shelters, Insurance, Flex Spending + MORESend us a textJustin Garritt is a former Maryland teacher turned financial advisor. On this episode, Justin does a deep dive with us regarding open enrollment, health benefits and options for teachers to store their money and legally hide money from the IRS. According to Justin, "Part of why America’s wealth gap is widening is because our financial system is not set up to support middle class Americans. It infuriates me that selfless and dedicated educators are kept from the high-quality, unbiased, affordable financial services often reserved for those contributing far less to society. So-called “financi...
2023-10-2251 minTeach and Retire Rich10 Key Student Loan QuestionsTeacher-turned planner, Justin Garritt goes deep on student loans including sharing an important deadline (December 31, 2023) for those looking to get maximum value out of PSLF (Public Service Loan Forgiveness). Garritt Financial Solutions Teacher/Travel Hacker Turned Fiduciary Happy Travel Hacker Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).
2023-10-201h 10Financially Independent TeachersEP 95-Final Episode with Justin Garritt! Participate in our Personal Finance Quiz and see how you do!Send us a textMerry Christmas! We have an EXTRA long show for you this week! Episode #95 will be the last episode of 2022. Listen all at once or divide it into two and enjoy! Dave and Brandon welcome back a great friend to the show, Justin Garritt. Justin joined us last season for a fun and inspiring episode on next level credit card rewards hacking. Part I of this episode shares the story of Justin going from Baltimore teacher to being a financial planner who helps teachers get on track with their money. Part II is Dave, Brand...
2022-12-181h 22Teach and Retire RichTeacher/Travel Hacker Turned FiduciaryOne of our favorite guests, teacher/travel hacker Justin Garritt talks about his decision to leave the classroom to become a full-time fiduciary advisor. We also talk travel hacking and carrying a "whole ham" on a flight. Garritt Financial Solutions Learned by Being Burned Meridian Wealth Management 403bwise.org
2022-08-1958 minFinancially Independent TeachersEpisode 44-The Millionaire Educator (Gerry) and Justin Garritt Are Back to Discuss Travel RewardsSend us a textFree flights, free lodging and discounted rental cars sound good to you? You don't want to miss our repeat guests discuss credit cards and travel rewards in our second to last episode of season #1!
2021-12-121h 05Financially Independent TeachersEpisode 12- Baltimore City Math Teacher Doubles As Financial Professional To Help OthersSend us a textJustin Garritt is a Baltimore City math teacher who was so underwhelmed with sales folks coming into our schools selling teachers bad insurance products, he decided to go back to school to become a financial professional. Even though Justin is now a financial advisor and owns his own firm, he still doubles as a middle school teacher and coach. In Episode 12, Justin shares his financial journey and gives basic investment information and financial strategies can that benefit anyone, especially educators. Mr. Garritt is also well on his way to become an Everyday Millionaire by...
2021-05-021h 01Teach and Retire RichHappy Travel Hacker (#157)Baltimore math teacher, entrepreneur and prolific travel hacker Justin Garritt talks travel hacking: how to do it, who it is for, and who it is not for. Garritt Financial Solutions Happy Saver TRR Pod #98 Happy Meter Podcast Choose FI Travel Hacking Travel Freely Rich Smith YouTube Channel The Secret History of the Credit Card 403bwise Events Meridian Wealth Management 403bwise.org
2021-03-261h 10
The Happy Meter#16: Real Estate Basics#16: Real Estate Basics
Justin and Kevin welcome John Downes, Mortgage Loan Originator from Sierra Pacific Mortgage in Lutherville, MD. John breaks down the basics of a mortgage, must-have information for first time homebuyers, the players in the real estate business, and the math around refinancing.
John’s contact information is:
Email: john.downes@spmc.com
Mobile app link:https://myloan.sierrapacificmortgage.com/dr/c/e4vma
Web link: https://myloan.sierrapacificmortgage.com/borrower/signup/john.downes@spmc.com
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The Happy Meter is brought to you by Garritt Fin...
2020-10-2234 min
The Happy Meter#15: 403b’s: Learning to bWise with Daniel Otter, PhD#15: 403b’s: Learning to bWise with Daniel Otter, PhD
Justin and Kevin welcome Daniel Otter, founder of the financial literacy nonprofit 403bwise, to the Happy Meter Podcast! Daniel discusses the history of 403b investments and explains how to evaluate choices and avoid pitfalls.
Here is a link to https://403bwise.org/
Here is a link to Dan and Scott’s Teach and Retire Rich podcast: https://podcasts.apple.com/us/podcast/teach-retire-rich-talking-teacher-retirement-savings/id186294653
Here is a link to Dan’s book: https://teachandretirerich.com/
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The Happy Meter is brought to you b...
2020-09-2934 min
The Happy Meter#14: Happy Teacher Revolution founder Danna Thomas#14: Happy Teacher Revolution founder Danna Thomas
The Happy Meter is proud to welcome Danna Thomas, founder of the Happy Teacher Revolution and alumna of Teach for America, Baltimore.
Danna Thomas is a former Baltimore City Public School teacher turned founder of a global initiative to support the mental health and wellness of educators. Her organization, Happy Teacher Revolution, is on a mission to increase teacher happiness, retention, and professional sustainability by providing educators with the time and space to heal, deal, and be real about the social-emotional demands they face on the job. Danna served...
2020-09-1526 min
The Happy Meter#13: Lessons from Redwood National Park#13: Lessons from Redwood National Park
Justin describes walking around Redwood National Park in California and the many financial Happy Meter lessons that can be found there.
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The Happy Meter is brought to you by Garritt Financial Solutions LLC
Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a retirement they deserve! Set up a free discovery call at: http://www.GarrittFinancialSolutions.com
The information in this podcast is education...
2020-09-0235 min
The Happy Meter#12: Investment 101Episode 12: Investment 101
Kevin and Justin discuss the basics of Investing, touching on concepts like Stocks and Bonds, and discussing goal-based investment strategies.
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The Happy Meter is brought to you by Garritt Financial Solutions LLC
Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a retirement they deserve! Set up a free discovery call at: http://www.GarrittFinancialSolutions.com
The information in this podcast is educational and general in nature, a...
2020-08-2544 minThe Happy Meter#11: Pop Quiz#11: Pop Quiz
In their Season 2 opening, Justin challenges Kevin with a pop-quiz recap of the lessons from the first 10 episodes.
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The Happy Meter is brought to you by Garritt Financial Solutions LLC
Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a retirement they deserve! Set up a free discovery call at: http://www.GarrittFinancialSolutions.com
The information in this podcast is educational and general in nature, and does not...
2020-08-1848 minThe Happy Meter#10: Personal Goal Setting#10: Personal Goal Setting
Justin and Kevin discuss goal setting, sharing several personal areas of growth or improvement and the various strategies and methods they employ to achieve them.
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The Happy Meter is brought to you by Garritt Financial Solutions LLC Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a retirement they deserve! Set up a free discovery call at: www.GarrittFinancialSolutions.com
The information in this podcast is educational and ge...
2020-05-2636 min
The Happy Meter#9: A Police Officer’s Journey to Financial Independence#9: A Police Officer’s Journey to Financial Independence
Justin and Kevin welcome Officer Mike Miller, an old friend of Justin’s, to discuss his path from spender to saver. Mike shares hard-learned lessons and Happy Meter memories as his journey toward financial independence continues.
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The Happy Meter is brought to you by Garritt Financial Solutions LLC
Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a retirement they deserve! Set up a free di...
2020-05-2233 minThe Happy Meter#8: Snapshot of Retirement Accounts#8: Snapshot of Retirement Accounts
Justin and Kevin address the different pathways available to retirement savers in achieving their goals, analyzing the benefits of several retirement accounts and demonstrating the combined power of Happy Meter philosophy, budgeting, and compound interest.
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The Happy Meter is brought to you by Garritt Financial Solutions LLC
Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a retirement they deserve! Set up a free discovery call at: http...
2020-05-1136 minThe Happy Meter#7: Retirement Philosophies#7: Retirement Philosophies
Justin and Kevin discuss different perspectives on retirement and, perhaps more importantly, financial independence timelines. Specifically, they discuss the 30-year process versus the much more aggressive Retire-Early process.
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The Happy Meter is brought to you by Garritt Financial Solutions
LLC Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a retirement they deserve! Set up a free discovery call at: http://www.GarrittFinancialSolutions.com
The information i...
2020-05-0731 minThe Happy Meter#6: Advice to Our Younger Selves#6: Advice to Our Younger Selves
Justin and Kevin reminisce about key lessons learned, sharing stories and distilling the most essential bits of Happy Meter life advice they could give to their younger selves.
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The Happy Meter is brought to you by Garritt Financial Solutions LLC Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a retirement they deserve! Set up a free discovery call at: http://www.GarrittFinancialSolutions.com
The informat...
2020-04-2833 minThe Happy Meter#5: Financial Advisors: Making Your Choice#5: Financial Advisors: Making Your Choice
Justin and Kevin explore the different kinds of financial advisors, evaluating their strengths and weaknesses, and sharing advice on how to pick your best guide on the path to financial wellness.
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The Happy Meter is brought to you by Garritt Financial Solutions LLC
Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a retirement they deserve! Set up a free discovery call at: http://www.GarrittFi...
2020-04-2033 minThe Happy Meter#4: Financial Wellness: The Basics#4: Financial Wellness: The Basics
Before truly building wealth, what steps should people follow? Kevin and Justin break down how to create a budget, handle debts, and build an emergency fund.
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The Happy Meter is brought to you by Garritt Financial Solutions LLC
Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a retirement they deserve! Set up a free discovery call at: http://www.GarrittFinancialSolutions.com
The information i...
2020-04-1130 minThe Happy Meter#3: Applying Happy Meter During Covid-19#3: Applying Happy Meter During Covid-19
In the midst of so much insecurity, market instability, and personal restriction, how do you keep balancing your life, your duties, and your Happy Meter? What changes, if any, should we make to our budgets during a pandemic?
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The Happy Meter is brought to you by Garritt Financial Solutions LLC
Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a retirement they deserve! Set up a free dis...
2020-04-1129 minThe Happy Meter#2: The Magic of Compounding InterestEpisode #2: The Magic of Compounding Interest
In this episode, Kevin and Justin discuss the benefits of small changes, both personally and financially, that can lead to significant benefits through compounding interest.
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The Happy Meter is brought to you by Garritt Financial Solutions LLC
Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a retirement they deserve! Set up a free discovery call at: http://www.GarrittFinancialSolutions.com
The informati...
2020-04-0837 minThe Happy Meter#1: Welcome to the Happy MeterEpisode #1: Welcome to the Happy Meter
Two best friends, Kevin and Justin, begin discussing The Happy Meter: a device meant to help people determine their most motivating priorities, joys, and passions on a balance with financial wellness. In this episode, we discuss our paths into teaching, friendship, and financial wellness.
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The Happy Meter is brought to you by Garritt Financial Solutions
LLC Garritt Financial Solutions is an independent, fee-only fiduciary supporting Educators, Healthcare Professionals, and First Responders with comprehensive financial planning and investment services to enable those who are most self-sacrificing to enjoy a re...
2020-04-0730 min
Radical CivilityRC Interview: Pandemic Personal Finance w/Justin GarrittIs it possible to save money during a crisis?
Yes--and we'll talk about how. My friend Justin Garritt is starting up a new firm www.garrittfinancialsolutions.com all about helping service-industry folks get high-quality, high-integrity, high-transparency help on financial decision-making. We also talk about working together, old stories of students, and how not all financial advisers (cough cough insurance salesmen cough cough) have your best interests at heart.
We also talk about how this crisis will look in six months.
Note: we talk about some generic teacher advice in this video that may not app...
2020-03-2440 min