Shows
Habesha Finance Podcast99. 2021 Retirement Contribution Limits 401k, 403b, IRAs and HSAIn this episode of the Habesha Finance podcast I discuss 2021 contribution limits for the different retirement accounts available to folks out there.
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HOW WE PAID OFF $250,000 in LESS THAN 22 MONTHS đź’¸
Earn MORE Money With High Yield Savings Accounts | Very EASY to Dođź’°
Get Term Life Insurance. Creating an account is free with Haven Life and you can estimate how much you can expect for the amount of life insurance you're interested in (this is who I got my life insura...
2021-02-2205 minHabesha Finance Podcast98. Is Dave Ramsey Right About Buying a House? Here's What We're Doing That's Working for Us!In this episode of the Habesha Finance podcast I break down the Dave Ramsey philosophy around buying a home and how my wife and I approached this baby step and whether or not we're planning to pay off our home early.
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HOW WE PAID OFF $250,000 in LESS THAN 22 MONTHS đź’¸
Earn MORE Money With High Yield Savings Accounts | Very EASY to Dođź’°
Get Term Life Insurance. Creating an account is free with Haven Life and you can estimate how much you ca...
2021-02-1508 minHabesha Finance Podcast97. Why We STOPPED Following Dave Ramsey's Baby StepsDon't forget to rate, review and subscribe!
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HOW WE PAID OFF $250,000 in LESS THAN 22 MONTHS đź’¸
Earn MORE Money With High Yield Savings Accounts | Very EASY to Dođź’°
Get Term Life Insurance. Creating an account is free with Haven Life and you can estimate how much you can expect for the amount of life insurance you're interested in (this is who I got my life insurance policy with). Haven Life
Thanks for checking out my affiliate link above and I'm certain you will be very happy you did.
2021-02-0808 minHabesha Finance Podcast96. Promoting Positivity Through Financial Freedom - Interview by HannahJoyTV [Part 2]For the full interview on YouTube click here: Promoting Positivity Through Financial Freedom
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HOW WE PAID OFF $250,000 in LESS THAN 22 MONTHS đź’¸
Earn MORE Money With High Yield Savings Accounts | Very EASY to Dođź’°
Get Term Life Insurance. Creating an account is free with Haven Life and you can estimate how much you can expect for the amount of life insurance you're interested in (this is who I got my life insurance policy with). Haven Life
Thanks for checki...
2021-02-0145 minHabesha Finance Podcast95. Promoting Positivity Through Financial Freedom - Interview by HannahJoyTV [Part 1]For the full interview on YouTube click here: Promoting Positivity Through Financial Freedom
Don't forget to rate, review and subscribe!
Subscribe on YouTube!
HOW WE PAID OFF $250,000 in LESS THAN 22 MONTHS đź’¸
Earn MORE Money With High Yield Savings Accounts | Very EASY to Dođź’°
Get Term Life Insurance. Creating an account is free with Haven Life and you can estimate how much you can expect for the amount of life insurance you're interested in (this is who I got my life insurance policy with). Haven Life
Thanks for checki...
2021-01-2546 minHabesha Finance Podcast94. 2020 Budgeting Review - Tips and Advice for Your 2021 BudgetBudgeting is key for anyone starting out on their journey to financial freedom:
Visual of inflow and outflow. Money coming in and money going out. You have to keep track Find what works for you Since 2017 I have not connected our bank account to our budget I manually input income and project each month's expenses. The goal is to have some money to carry with us into the next month.
Check out our home buying experience here.
Check out my free budgeting course and access to the free Google Sheets Budget!
...
2021-01-1815 minHabesha Finance Podcast93. How Much Do We Spend on Groceries? Best Budgeting Tips for 2021Budgeting is key for anyone starting out on their journey to financial freedom:
Visual of inflow and outflow. Money coming in and money going out.
You have to keep track
Find what works for you
Since 2017 I have not connected our bank account to our budget
I manually input income and project each month's expenses.
The goal is to have some money to carry with us into the next month.
Check out my interview with Adebabay Media.
Check out my free budgeting course and access to the free Google Sheets Budget!
Don't forget...
2021-01-1112 minHabesha Finance Podcast92. BONUS - Why I Still Like the S&P 500 Index Fund and US Total Stock Market Index FundInvesting in 2021 - Why I Still Like the S&P 500 Index Fund and US Total Stock Market Index Fund Don't forget to rate, review and subscribe!
Don't forget to rate, review and subscribe!
Subscribe on YouTube!
HOW WE PAID OFF $250,000 in LESS THAN 22 MONTHS đź’¸
Earn MORE Money With High Yield Savings Accounts | Very EASY to Dođź’°
Get Term Life Insurance. Creating an account is free with Haven Life and you can estimate how much you can expect for the amount of life insurance you're interested in (this is who I got m...
2021-01-0903 minHabesha Finance Podcast91. Happy New Year 2021 - What's Next for Habesha Finance this Year?Don't forget to rate, review and subscribe!
Subscribe on YouTube!
HOW WE PAID OFF $250,000 in LESS THAN 22 MONTHS đź’¸
Earn MORE Money With High Yield Savings Accounts | Very EASY to Dođź’°
Get Term Life Insurance. Creating an account is free with Haven Life and you can estimate how much you can expect for the amount of life insurance you're interested in (this is who I got my life insurance policy with). Haven Life
Thanks for checking out my affiliate link above and I'm certain you will be very happy you did.
2021-01-0412 minHabesha Finance Podcast90. Biden's Social Security Plan - Here Are the Changes You Need to Know AboutBiden has proposed changes to some of the ways Social Security is funded and operated. In this video I present the proposals you need to know so you can be aware of what may happen under President Biden.
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Subscribe on YouTube!
HOW WE PAID OFF $250,000 in LESS THAN 22 MONTHS đź’¸
Earn MORE Money With High Yield Savings Accounts | Very EASY to Dođź’°
Get Term Life Insurance. Creating an account is free with Haven Life and you can estimate how much you can expect for th...
2020-11-1603 minHabesha Finance Podcast89. Exchange Traded Funds for Beginners - Are ETFS Better Than Single Stocks?An ETF, exchange traded fund is a great option for anyone wanting to start investing and like stocks can be traded throughout the day, but there is something about ETFs that I personally like and I share that in this podcast with you.
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HOW WE PAID OFF $250,000 in LESS THAN 22 MONTHS đź’¸
Earn MORE Money With High Yield Savings Accounts | Very EASY to Dođź’°
Get Term Life Insurance. Creating an account is free with Haven Life and you can estimate how mu...
2020-10-2104 minHabesha Finance Podcast88. Second Stimulus Check and Stimulus Package October Update - FRIDAY ROUND UP!Second Stimulus Check and Stimulus Package October Update - FRIDAY ROUND UP! Â Negotiations are moving further along between President Trump, Treasury Secretary Steven Mnuchin, Republicans and House Speaker Nancy Pelosi and the Democrats. In this video we get into our Friday round up of the latest updates around second stimulus checks and the next stimulus package.
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HOW WE PAID OFF $250,000 in LESS THAN 22 MONTHS đź’¸
Earn MORE Money With High Yield Savings Accounts | Very EASY to Dođź’°
Get Term Life Insuran...
2020-10-1603 min
PEP Talks PodcastEpisode 6 - Why we should all consider investing ft. Matt GebreIn this episode, we were joined by Matt Gebre to talk about personal finances and why we should consider investing. Matt started his career in engineering and later set up an organisation called Habesha Finance, with the mission of helping people to build wealth and ultimately achieve financial independence. In this episode he shares some tips on how we can all start to invest for our futures. Learn more about Habesha Finance through the website and check out Matt's Youtube videos and podcast series.
2020-09-2148 minHabesha Finance Podcast87. Community Q&A: “What is a Good Investment to Start With?”“What is a Good Investment to Start With?” | How to Invest for Any Beginner Investor. In this podcast I answer a question about investing recently on a live stream on the YouTube channel. Here we go over a couple of key factors for anyone wanting to learn to invest should take into consideration on their way to financial freedom.
Don't forget to rate, review and subscribe!
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HOW WE PAID OFF $250,000 in LESS THAN 22 MONTHS đź’¸
Earn MORE Money With High Yield Savings Accounts | Very EASY to Dođź’°
Get Term L...
2020-09-1612 minHabesha Finance Podcast86. $400 Unemployment Extension Update and Timeline for Lost Wages Assistance | USDOL NEW Guideline!$400 Unemployment Extension Update and Timeline for Lost Wages Assistance | USDOL NEW Guideline!
When it comes to the additional unemployment benefit, this is where it’s really going to vary from state to state. Here in GA, commissioner Mark Butler was interviewed by WSB-TV and asked when people could expect the benefit and he said he hopes in a few weeks. But as we’ve been discussing that all depends on if legal action is taken against the president's executive actions including the extension of the enhanced unemployment benefits.
One important update is new guidance from the White House: Instead of stat...
2020-08-1406 minHabesha Finance Podcast85. WHAT is WRONG with Congress? | Second Stimulus Check and Unemployment Extension UpdateWHAT is WRONG with Congress? | Second Stimulus Check and Unemployment Extension Update
The additional $600 federal unemployment benefit for most of us on regular UI and PUA expired last week. So you would have received a payment for the $600 sometime this week, but when you certify this weekend next week there will not be the $600. People are asking on this Sunday do we just file the same way and unless your state advises otherwise I would say yes. My dad who’s currently receiving PUA we’re just going to go into his unemployment portal and certify as we have been doin...
2020-07-3005 minHabesha Finance Podcast84. $200 A Week? HEALS Act Proposal REVEALED | Second Stimulus Check and Unemployment Extension UpdateBREAKING! $200 A Week? HEALS Act Proposal | Second Stimulus Check and Unemployment Extension Update  Senate republicans have finally revealed the name of their next stimulus package proposal called the HEALS [Health Economic Assistance Liability Protection & Schools] Act.
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2020-07-2804 minHabesha Finance Podcast83. How Long Will the $600 FPUC, PUA and PEUC Unemployment Benefits Last? | Here’s What You Need to KnowHere I go over the ending dates for pandemic unemployment assistance (PUA), federal pandemic unemployment compensation (FPUC) and pandemic emergency unemployment compensation (PEUC).
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2020-06-2308 minHabesha Finance Podcast82. How to Earn MORE Money With High Yield Savings AccountsWhat's the best high yield savings account? That all depends on you really and in this video I talk about the two companies I really like for just about anyone looking to make more money on their savings.Â
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2020-06-2108 minHabesha Finance Podcast81. Promoting Positivity Through Financial Freedom - My Interview on the HannahJoyTV YouTube ChannelI was recently interviewed by Hannah Joy on the HannahJoyTV YouTube about achieving financial freedom. This was a great opportunity to discuss personal finance topics. To see the whole Youtube interview go here: https://youtu.be/f8KJ_UFF1cI
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2020-05-251h 30Habesha Finance Podcast80. $6,000 Stimulus Check and Unemployment Benefits Extension - HEROES Act OverviewIn a recent YouTube video I discussed the Health and Economic Recovery Omnibus Emergency Solutions Act or the HEROES Act as this bill relates to a possible upcoming stimulus check and unemployment benefits.
For full bill text: https://www.congress.gov/bill/116th-congress/house-bill/6800/text.
2020-05-1803 minHabesha Finance Podcast79. BONUS - $2,000 A Month Stimulus Package Update Proposal - Here's What You Need to KnowRepresenatives Ro Khanna and Tim Ryan have recently put together a proposal providing $2,000 per month for almost every American.
2020-04-2305 minHabesha Finance Podcast78. BONUS - Stimulus Check Timeline Update - IRS Schedule Payment For Paper ChecksAccording to Washington Post, the IRS has released the schedule for when you can expect to receive your stimulus paper checks also known as the economic impact payment.
2020-04-2301 minHabesha Finance Podcast77. 7 Financial Decisions To Help YOU Manage Your Money Better TodayMany of you are beginning to receive your stimulus checks and enhanced unemployment benefits. In this video I share some important decisions to consider to help you better manage the money you're receiving.
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2020-04-2014 minHabesha Finance Podcast76. $600 Per Week for Unemployment: Here’s What YOU Need To KnowYou may be receiving the $600 weekly unemployment benefit. Not long ago President Trump signed the CARES act, Coronavirus Aid, Relief, and Economic Security Act. This bill provides some very important support and relieved to big private corporations to small business and almost every tax payer in the USA. Bottom line, the CARES Act for the unemployed is quite generous and here’s why.
Start applying for unemployment here.
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2020-04-0707 minHabesha Finance Podcast75. BONUS: 2020 Government Stimulus Check, Here's How Much You Could GetWondering how much your 2020 stimulus check will be? Here I will introduce some of the basic information about this act regarding how much you may be receiving in the form of a rebate check. Some of the topics I cover are the income limits, amount of money being given and how soon you can expect your rebate check.
Check out my affiliate links below for products I recommend that I've used personally or researched enough to know they're worth your time.
Get Term Life Insurance. It never hurts to shop around for the best rate:
Haven Life (who I used...
2020-04-0305 minHabesha Finance Podcast74. My Personal Message During These Difficult TimesThere's no question that this 2020 has presented some of the most challenging and tragic events some of us have ever witnessed. I wanted to us this opportunity to share some hope, encouragement and action.
2020-03-2508 minHabesha Finance Podcast73. Understanding Your Level of Risk During a Bear Market | My Plan for the Stock Market CrashWhat should you do with your investments during a bear market? There are so many so-called "experts" telling you what to do with your money, but before you listen to them, listen to this.
Check out my affiliate links below for products I recommend that I've used personally or researched enough to know they're worth your time.
Get Term Life Insurance. It never hurts to shop around for the best rate:
Haven Life (who I used) - https://habeshafinance.com/havenÂ
Health IQ - https://habeshafinance.com/healthiqÂ
Recommended personal finance books:
The Total Money Makeover - https://amzn.to/2O4...
2020-03-1911 minHabesha Finance Podcast72. Coronavirus and Our ResponsibilityIt’s becoming clearer and clearer that we all have a responsibility to each other during this difficult time. The Coronavirus pandemic is hitting many families and communities very hard. I wanted to take a break from the personal finance topics to talk about something more important.
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2020-03-1805 minHabesha Finance Podcast71. Should You Pay Off Your Debt or Invest and Save for Retirement?Should you pay off your debt early or save and invest in the stock market? Seriously, this is what I'm going to discuss with you on this episode.
Check out my affiliate links below for products I recommend that I've used personally or researched enough to know they're worth your time.
Get Term Life Insurance. It never hurts to shop around for the best rate:
Haven Life (who I used) - https://habeshafinance.com/havenÂ
Health IQ - https://habeshafinance.com/healthiqÂ
Recommended personal finance books:
The To...
2020-03-1105 minHabesha Finance Podcast70. Breaking Down the 529 [College] Savings Plan for Your Children’s EducationA 529 savings plan is one of the best tools you can use to save and invest for your child's education. In this episode I break down the basics of using a 529 plan from tax deductions to transferring the plan to another eligible person if necessary.
Want to support Habesha Finance? Check out my affiliate links below for products I recommend that I've used personally or researched enough to know they're worth your time.
Get Term Life Insurance. It never hurts to shop around for the best rate:
Haven Life (who I used) - https://habeshafinance.com/haven
Health IQ...
2020-02-2609 minHabesha Finance Podcast69. BONUS Is a Stock Market Crash Coming? Here’s What YOU Need to Know!There are so many headlines that are causing many investors to panic and worry whether a stock market crash will happens soon. Want to support Habesha Finance? Check out my affiliate links below for products I recommend that I've used personally or researched enough to know they're worth your time. Get Term Life Insurance. It never hurts to shop around for the best rate: Haven Life (who I used) - https://habeshafinance.com/haven Health IQ - https://habeshafinance.com/healthiq Recommended personal finance books: The Total Money Makeover - https://amzn.to/2O4sLeU The Millionaire Next Door...
2020-02-2505 minHabesha Finance Podcast68. ESG Investing Explained. Is Socially Responsible Investing Worth the Investment?In this post I’m getting into green funds, so what exactly is a green fund?Investopedia.com defines a green fund as a “mutual fund or another investment vehicle that will only invest in companies that are deemed socially conscious in their business dealings or directly promote environmental responsibility.” That’s what Investopedia defines a green fund as, but there's more.
Want to support Habesha Finance? Check out my affiliate links below for products I recommend that I've used personally or researched enough to know they're worth your time.
Get Term Life Insurance. It never hurts to shop around for the...
2020-02-1212 minHabesha Finance Podcast67. My $40,000 Mistake That YOU Should AvoidStudent loans are a serious problem. You should know that you can graduate from college without having to go into debt and I’m going to share with you how in this video.Â
Want to support Habesha Finance? Check out my affiliate links below for products I recommend that I've used personally or researched enough to know they're worth your time.
Get Term Life Insurance. It never hurts to shop around for the best rate:
Haven Life (who I used) - https://habeshafinance.com/haven
Health IQ - https://habeshafinance.com/hea...
2020-01-2907 minHabesha Finance Podcast66. BONUS State of Habesha Finance 2020! Important changes to know.Some changes are happening this year for Habesha Finance and here’s what you need to know!
Want to support Habesha Finance? Check out my affiliate links below for products I recommend that I've used personally or researched enough to know they're worth your time.
Get Term Life Insurance. It never hurts to shop around for the best rate:
Haven Life (who I used) - https://habeshafinance.com/haven
Health IQ - https://habeshafinance.com/healthiq
Recommended personal finance books:
The Total Money Makeover - https://amzn.to...
2020-01-2004 minHabesha Finance Podcast65. Setting 2020 GOALS for SUCCESS in the NEW YEAREvery year we come up with New Year’s resolutions that most of the time don’t get accomplished. In this podcast I go over setting goals and strategies to achieve those goals so you can make this year a successful one!
Want to support Habesha Finance? Check out my affiliate links below for products I recommend that I've used personally or researched enough to know they're worth your time.
Get Term Life Insurance. It never hurts to shop around for the best rate:
Haven Life (who I used) - https://habeshafinance.com/have...
2020-01-1505 minHabesha Finance Podcast64. Final Thoughts on 2019 to Close This Year Financially StrongThank you so much for being part of this journey in 2019. We’ve grown quite a bit and now as 2020 is nearing I want to make sure you finish 2019 strong and have a great start to the new year.
Want to support Habesha Finance? Check out my affiliate links below for products I recommend that I've used personally or researched enough to know they're worth your time.
Get Term Life Insurance. It never hurts to shop around for the best rate:
Haven Life (who I used) - https://habeshafinance.com/haven
He...
2019-12-1811 minHabesha Finance Podcast63. Why You Shouldn't Be Afraid of the Stock MarketDo you get anxious about investing in the stock market? Let these words calm you down.
Happy Holidays!
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2019-12-1104 minHabesha Finance Podcast62. Here's What's Changing (and not!) for Your Retirement Contribution Limits in 2020There are changes coming your way if you invest in a 401k or a 403b and I discuss the contribution limit changes in this episode.
For more information make sure you check out IRS website: https://www.irs.gov/newsroom/401k-contribution-limit-increases-to-19500-for-2020-catch-up-limit-rises-to-6500
Happy Holidays!
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2019-11-2705 minHabesha Finance Podcast61. 5 Ways to Have a Productive and Awesome Holiday BreakWhat happened to kids these days? Geez, I sound like a really old man right now.Â
I loved watching cartoons just like other kids, but I'm pretty sure I only watched 1-2 hours if that. I think this message is needed though, because as a parent who was once a kid I notice how much times have changed.Â
A screen now sits in our pockets and purses and if we're not careful we can become less productive and purposeful in life. So bare with me as I get on my soapbox and give you 5 simple "th...
2019-11-2008 minHabesha Finance Podcast60. Holiday Shopping Without the Stress and Breaking the BankAre you prepared for the holiday season? Are your finances prepared? Here are some tips and words of wisdom to help get you through this holiday season without breaking the bank.
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2019-11-1309 minHabesha Finance Podcast59. Using the Power of Social Media to Help Your Small Business GrowRight now so many businesses, especially small business are missing an opportunity to grow and thrive in today's digital age. Check out this podcast where I get into strategies and reasons for helping your business have a social media strategy.
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2019-11-0612 minHabesha Finance Podcast58. Getting a Pay Raise? Make Sure You Do This Before Spending That Extra Money!Getting a pay raise is a great opportunity to get control of your finances. Here are 3 options I recommend to you if you're expecting to a get a bump in pay.
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2019-10-3010 minHabesha Finance Podcast57. How to Plan a Debt-Free Wedding [Simple and Easy!]Having a wedding can be an awesome and joyous experience. On the other hand planning a debt-free wedding can seem like climbing a mountain, barefoot with a jug of milk in each hand.Â
There’s so much to consider and think about that you can often times feel overwhelmed. My goal is for this episode to help you plan and achieve a debt free wedding.
Links mentioned in the show:
Wedding Planner and Organizer by the Knot - https://amzn.to/2W6mu59
Nikon D5500 Camera - https://amzn.to/2odmdRq
...
2019-10-2316 minHabesha Finance Podcast56. Dr. Abiy Ahmed Nobel Peace Prize and Diaspora Homecoming with Nebyou KassuNebyou joined me for a talk about Prime Minister Dr. Abiy Ahmed’s Nobel Peace Prize award and the current state of Ethiopia and Eritrea's diaspora connection.Â
Follow Nebyou on Instagram: @iamnebyouÂ
Follow the Diaspora Homecoming on Instagram: @diasporahomecoming
Apologies for the audio quality. I forgot to hit record on my main audio recorder. I’ve already spoken to Nebyou and we’re going to do a follow up for sure!Â
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2019-10-1614 minHabesha Finance Podcast55. 8 Simple Financial Planning Tips for [Habesha] ParentsFinancial planning is already a difficult task for so many of us. And when you're an immigrant in the United States of America, this planning can be even more difficult. I hope these 8 tips will help any of you out there who needs some basic understanding of good personal finance choices.
Save for your retirement now. At least 10%, 15%, 20% of your income invested in low cost, broad based index funds in your 401k or Roth IRA. Try to spread your money 50/50 between an S&P 500 index fund and a Total Bond index fund.
Your children shouldn’t come to yo...
2019-10-0912 minHabesha Finance Podcast54. BEST Personal Finance Books You NEED To READ NOWGetting started for anything when it comes to education, finances and careers is always tough and can seem like a daunting task. So, I wanted to compile a list of my top 3 books that I think will be beneficial to you for your financial freedom journey. Don’t forget to rate, review and subscribe.
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
The Millionaire Next Door: The Surprising Secrets of America’s Wealthy
The Simple Path to Wealth: Your road map to financial independence and a rich, free life
2019-10-0206 minHabesha Finance Podcast53. How MUCH Does Financing a NEW Car Really Cost?Are you thinking about purchasing a new car? You will want to listen to this before you have a car payment that will ultimately cost you hundreds of thousands of dollars!
Link to article - https://habeshafinance.com/car-payment
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2019-09-2511 minHabesha Finance Podcast52. Can the 4% Rule Work for YOUR Retirement Plan?What is the real amount of money you need for retirement? I'm pretty sure you've heard all kinds of numbers thrown out there. Check this out to discover the data and truth behind what history has been trying to tell us: You don't need that much to retire.
Link to article - https://habeshafinance.com/the-unbelievable-amount-of-money-you-actually-need-to-retire
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2019-09-1815 minHabesha Finance Podcast51. How Much Should I Save For Retirement?Do you know how much you need to save for retirement? Well, no one really knows, but in this post I share with you some information that will help you find out. In this 2 part series we explore how much you actually need to be saving for retirement.
Check out episodes 8-12 for all your retirement savings account podcast episodes!
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2019-09-1108 minHabesha Finance Podcast50. The Importance of Giving While Becoming Financially FreeThere's no question building wealth and saving money are important. Yet, there is still something else I encourage you to do with your money that involves those outside of you and your immediate family members.
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2019-09-0406 minHabesha Finance Podcast49. I HATE DEBT! (A Matt G Money Rant)A rant here and there is appropriate, especially when it comes to your finances.
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2019-08-2803 minHabesha Finance Podcast48. 9 Easy Financial Choices You Can Make TodayLet's face it, we are not really taught personal finance topics in school and that is just a shame. We learn about history, science, language and math. Our schools even teach us how to cook, but they don't teach us how to spend responsibily? That's just not responsible. As I have grown over the years I've realized that there are some financial lessons every high school and person should be taught.Â
These are lessons that I wish I learned. So, as I go over these 9 easy financially responsible choices you can make today you probably will want t...
2019-08-2111 minHabesha Finance Podcast47. Saving Money, Building Wealth and Being PurposefulToday’s podcast is about the resources available to you for free. Don’t miss out on valuable content and an awesome community of like-minded individuals on the path to financial freedom.Â
Click here to join the Habesha Finance family on Youtube!Â
Click here to join the Habesha Finance Facebook Group!Â
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2019-08-1402 minHabesha Finance Podcast46. How to Prepare for College With These 7 Tips!You're never too young to start planning for college, especially nowadays when college can be quite expensive if you're not careful. Every day that you or your child has to prepare and plan is an opportunity that must not be wasted. My college experience was decent to say the least. Nothing spectacular. It could have been better. My grades could have been better. I could have taken fewer student loans with proper planning. I just didn't know a lot and graduated in 5 years with over $40,000 in student loans. I learned quite a bit from my college experience and want...
2019-08-0714 minHabesha Finance Podcast45. How to Get Out of Debt [A Step-By-Step Guide]Be honest and think about what you would do if you didn’t have that car payment? Or that student loan payment from 15 years ago you still have? Or maybe the 30-year mortgage that you can’t seem to see the end of that’s getting in the way of you ultimately becoming debt free? Paying debt sucks and it especially sucks when you have to pay the interest that is attached to the debt. Hence, this step-by-step guide my wife and I used that will show you how to get out of debt.
For show notes click...
2019-07-3110 minHabesha Finance Podcast44. How to Network to Help Further Your CareerThere is no doubt education is a key ingredient to your future success and growth in the professional world. However, today I want to briefly touch on a topic that I believe can sometimes be just as important as your education and that is networking. Don’t get me wrong…in any field you desire to work, education is the foundation that you build your career on. But networking is the wall that helps your career grow and flourish. Even if you want to stay in the same position forever you still have to network and make sure you have...
2019-07-2405 minHabesha Finance Podcast43. The Superpower of a Roth IRAÂ With so many ways to save and invest I definitely understand this can be a little intimidating. So let's talk about one way to save and invest your money for the long term. I introduce you to Roth IRA (Individual Retirement Account), one of my favorite investing buckets.Â
For complete show notes and links discussed on podcast click here.
I would really appreciate it if you could take a moment to rate, subscribe and review this podcast.
Also, make sure you click here to join the Habesha Finance Facebook group.
2019-07-1715 minHabesha Finance Podcast42. 5 Best Tips for Living in Your CarHere I will share my 5 tips for living in your car in case you ever find yourself in a similar situation I was in many years ago. These tips will show you how to live in your car for a set period of time and make the most of it!
For show notes click here.
I would really appreciate it if you could take a moment to rate, subscribe and review this podcast.
Also, make sure you click here to join the Habesha Finance Facebook group.
2019-07-1009 minHabesha Finance Podcast41. 3 Credit Card Myths That Can Cause Financial TroubleSo I get it, you want to take that really nice trip to Hawaii and you see an ad for a credit card that will help you do just that. The only problem is that you have now introduced the world of debt into your life with what some people call the cigarette of the financial world, a credit card. I know there are people out there who are going to disagree with this post and understandably so. I used to be one of those people who was obsessed with using my credit card to get the points and...
2019-07-0310 minHabesha Finance Podcast40. 4 Proven Tips For a Happy Retired LifeWhere do you see yourself 30 to 40 years from now? Hopefully, you are living your retirement dream. Me personally, I plan to be retired, traveling the world and serving the community even more than before retirement while living in a paid off house without any debt. As we all dream, we need to understand one simple truth. That is, our dreams will only become a reality if we act today and work hard right now. The Employee Benefit Research Institute recently reported that approximately 1 in 4 workers say they have less than $1,000 saved for retirement. That is unacceptable.
Why...
2019-06-2612 minHabesha Finance Podcast39. What is an Expense Ratio and Why Does it Matter?If you're not careful you could easily lose half a million dollars or more of your retirement money. Why? How? The answer is simple: fees! It's a big secret that's not really a secret that many investors like you and me are not always aware of. You're probably enrolled in a 401(k) or have a Roth IRA that is invested in mutual funds and I bet you've never really checked how much the fees are per year. Don't worry though, I've been enrolled in my 401(k) savings plan for 8 years and just started becoming more aware of fees last...
2019-06-1907 minHabesha Finance Podcast38. Simple Index Investing Explained For Any Beginner Investor"How do I get started with investing?" This is a question I get from time to time.Â
There is no clear cut, one-way answer to this. Real estate or owning a small business is not for everyone.Â
Remember, personal finance is personal. And still I believe that everyone who's just starting to invest can benefit from having this one low-cost index fund in their portfolio. I would also suggest this to anyone who doesn't have this great investment in their portfolio.Â
You already know the 3 rules of investing I follow. Now I introduce you...
2019-06-1214 minHabesha Finance Podcast37. Beware of the 'College Experience' That'll Leave You Broke!Right now there are millions of high school students who are graduating and moving on to college. You might be one of them or know someone who is. I remember graduating from Georgia Tech in 2009 with about $40,000 in student loans. I finally paid off my student loan debt in 2017 and I cannot tell you how freeing that was. It took me 8 years of my life to pay off my student loan debt!
Don't get me wrong, the education was invaluable and I am thankful for the 'college experience' I received. Let's be honest though...no one should...
2019-06-0508 minHabesha Finance Podcast36. Our First Time Home Buyer Experience So Far...Are you interested in buying your first home? Well, we're in the middle of buying ours and I thought it would be a great opportunity to share what I've learned so far in the process of buying our first home. Some notes below and for the rest of the notes, click here.
One big goal was to save a 20% downpayment to avoid PMI (Private Mortgage Insurance
There are programs available for those who are income-qualified to avoid PMI if you do not have at least a 20% downpayment.
Try to keep your monthly mortgage no more than 20-25% of...
2019-05-2908 minHabesha Finance Podcast35. 5 Important Lessons I Learned Working With My DadJoin the Habesha Finance community today!
Work is nothing to take for granted. My career and my work is an area of my life through which I’ve experienced some of my greatest success. Since graduating from college, I’ve pretty much worked for one company, rising up through the corporate jungle. Now looking back to how I was able to do this, I always refer to lessons I learned working with my dad.
For the full article click here.
2019-05-2208 minHabesha Finance Podcast34. 5 Helpful Tips to Achieve Early RetirementJoin the Habesha Finance community today!
You read the title and probably had the same reaction I did. How? What does that even mean? I know this is a crazy idea, but there are many people who have found ways to achieve early retirement and I'm going to touch on some of those ways with a little Habesha Finance twist.
In this episode I will show you the strategies early retirees have used to become financially independent at an early age.
For the full article click here.
2019-05-1510 minHabesha Finance Podcast33. Having the Courage to Say No [To Bad Financial Products]
The older I’ve gotten the easier it has become to say no to certain things in life.
Family comes first.
Wife must agree with commitments I make work related.
Be on one accord.
Happy wife, happy life.
Saying no right away is necessary to and the right thing to do.
Delaying your no causes tension and is harder to do the longer you wait.
You always have an option and a right to say no.
Simply saying yes, because you don’t want to hurt people’s feelings is NOT helpful.
If you never learn to say no, your “yes” wil...
2019-05-0807 minHabesha Finance Podcast32. Monthly Expenses Keeping You From Saving MoneyHave you joined the Habesha Finance Facebook group yet? Just answer a few questions and you're in!
Saving money and building wealth requires patience and a lot of sacrifice. When we started our journey to financial freedom we became challenged with the choice of giving up some things we really enjoyed having. I’m talking about memberships and subscriptions we’ve had for years.
We all get to this point on our journey to build wealth and create the life we desire for ourselves and our families. And there’s a question that only a few of...
2019-05-0111 minHabesha Finance Podcast31. Ultimate Life Insurance Strategy for Wealth Building 2019
 Generally, for all young people level term or annual renewable term will be your best life insurance option. This is because you have 20, 30+ years to get your finances straight and become self-insured.
Remember, the goal is always financial independence NOT financial dependence. Save, invest and stay away from debt.
Understand Estate Tax
In 2019, estates with a value equal to or less than $11.4 million do not have to pay the federal estate tax. This number is usually changing as it is adjusted for inflation. Any value above this amount is taxed at 40%.
There are strategies out there like keeping your assets in...
2019-04-2417 minHabesha Finance Podcast30. Breaking Down Permanent Life Insurance
 I told you there are many different types of life insurance products out there right? In the beginning we discussed various temporary life insurance products.Â
Now we will talk about permanent life insurance. There are three main types of permanent life insurance that we’re going to cover here on a high level.
First, let’s look at whole life insurance. Whole life insurance is exactly how it reads. Life insurance for your whole life essentially.Â
Whole life insurance policies offer fixed premiums and also have an investment component referred to as the policy’s cash value.
Another factor in the whole...
2019-04-1711 minHabesha Finance Podcast29. Term Life Insurance Review and Why You Need This!With so many different types of life insurance out there my hope is to give a high level overview and make it presentable here so you can choose what’s right for you and your family.Â
Unless you are financially independent with millions and billions of dollars to your name and no debt, YOU ABSOLUTELY NEED LIFE INSURANCE!
Never buy a financial product you do not understand!
What is term life insurance? Well one definition is, “life insurance that pays a benefit in the event of the death of the insured during a specified term.”Â
Basically life insurance that is effectiv...
2019-04-1013 minHabesha Finance Podcast28. How to Build Wealth [Nipsey Hussle Tribute]Nipsey Hussle was undoubtedly legendary through all his ambitions. There are not enough words to speak on his impact in this world. We start this second season of the Habesha Finance Podcast dedicated to paying respect to Nipsey Hussle also known as Ermias Asghedom.
No edits.Â
2019-04-0311 minHabesha Finance Podcast27. 529 vs ESA vs UGMA and UTMA [Saving for College]In this episode, I talk about saving for college. And ways to do this outside of simply putting money in an old-fashioned bank account earning 1-2% interest over 18 years. We review 529 plans, ESA plans, UGMAs and UTMAs.Â
Also, there's bonus content for Georgia residents on saving for college!Â
For more information about the Georgia 529 plan visit: habeshafinance.com/georgia-529-path2college-review
Make sure you click below and follow the show notes so you don't miss anything. Don't forget to subscribe, rate and review! For sh...
2018-11-1920 minHabesha Finance Podcast26. Open Enrollment 2019 and Our HSA ReviewHealthcare is not exactly the easiest thing to figure out. Here I go over updates to the Habesha Finance family health coverage...sneak preview: HSAs still rock!
Make sure you click below and follow the show notes so you don't miss anything. Don't forget to subscribe, rate and review!
For show notes, you can head over to habeshafinance.com/26.
Reach out to info@habeshafinance.com for any questions or comments you may have.
Subscribe to my newsletter at habeshafinance.com/sub and receive your FREE personal finance checklist.
2018-11-1216 minHabesha Finance Podcast25. 5 Awesome Fully Funded Emergency Fund BenefitsFinancial emergencies happen to all of us and we know that. When and how those emergencies happen is another story. Here are 5 awesome reasons to have a fully funded emergency fund.
Make sure you click below and follow the show notes so you don't miss anything. Don't forget to subscribe, rate and review!
For show notes, you can head over to habeshafinance.com/25.
Reach out to info@habeshafinance.com for any questions or comments you may have.
Subscribe to my newsletter at habeshafinance.com/sub and receive your FREE personal finance checklist.
2018-11-0512 minHabesha Finance Podcast24. The Financial Independence Guide for Immigrants [Welcome to America!]Life in the USA can be challenging for immigrants in so many ways, especially when it comes to money. Check out this financial independence guide dedicated to those who are now calling the USA home. Let this guide help you get your life back, build wealth and make a difference.
Make sure you click below and follow the show notes so you don't miss anything in this guide!
For show notes, you can head over to habeshafinance.com/24.
Reach out to info@habeshafinance.com for any questions or comments you may have.
Subscribe to my newsletter at habeshafinance.com/sub...
2018-10-2926 minHabesha Finance Podcast23. 5 Lessons Cross Country Taught Me About Financial IndependenceRunning can actually teach you a great deal on how to handle your personal finance. These are the lessons cross country that has helped me on my path to financial independence.
For show notes, you can head over to habeshafinance.com/23.
Reach out to info@habeshafinance.com for any questions or comments you may have.
Subscribe to my newsletter at habeshafinance.com/sub and receive your FREE personal finance checklist.
2018-10-2211 minHabesha Finance Podcast22. Break Away From Social Media and Live Your Best LifeI can talk about personal finance and my successes and failures for days. Yet, for Habesha Finance to be impactful I believe there has to be some personal, brotherly wisdom that must be shared.
There's so much of who we are as humans we are losing to the digital world that we have to pump the brakes. I believe that as a society we have to break away from social media and I'll tell you why in this episode.
For show notes you can head over to habeshafinance.com/22.
Reach out to info@habeshafinance.com for any questions or comments...
2018-10-1507 minHabesha Finance Podcast21. 10 Financial Independence Tips for Broke MillennialsThanks to an education system that doesn’t prepare you for the real, “real world,” more millennials than ever are struggling with debt, financing way too expensive cars and neglecting to save for the future.
Here are 10 tips for broke millennials to break through the walls of debt and get on the path to financial independence!
For show notes you can head over to habeshafinance.com/21.
Reach out to info@habeshafinance.com for any questions or comments you may have.
Subscribe to my newsletter at habeshafinance.com/sub and receive your FREE personal finance checklist.
2018-10-0813 minHabesha Finance Podcast20. The Importance of Investing Early [Start Now!]If you could go back and change the way you looked at money when you were 18, 21 or 25 would you?
Part of your journey to financial independence is investing as early as possible. If you have any doubt on why you should invest or think you can hold off investing for when you're older, think twice!
For show notes you can head over to habeshafinance.com/20.
Reach out to info@habeshafinance.com for any questions or comments you may have.
Subscribe to my newsletter at habeshafinance.com/sub and receive your FREE personal finance checklist.
2018-10-0111 minHabesha Finance Podcast19. 17 Ridiculous Money Myths BustedThere are so many myths about money that you need to be aware of.
I tackle 17 money myths that in some way or another I have encountered in my life.
For show transcript/notes go to habeshafinance.com/19.
2018-09-2414 minHabesha Finance Podcast18. Starting a Business Right After College with Salim ShukurI had the pleasure of chatting with a good friend of mine Salim Shukur, CEO and Founder of Shukur Motors and Shukur Transport. He has a very amazing story of how right after graduating from college he found his passion for self-employment and owning his own business.
Salim saw the struggle his family and friends faced when trying to purchase a vehicle and shares with us his journey to becoming a business owner.
Shukur Motors Facebook Page -> habeshafinance.com/shukurmotorsFB
Shukur Motors Instagram -> habeshafinance.com/shukurmotorsIG
2018-09-1721 minHabesha Finance Podcast17. Three Rules of Investing I Live By“If you aren’t thinking about owning a stock for 10 years, don’t even think about owning it for 10 minutes.” - Warren Buffett
This episode is dedicated to the three rules of investing that helped jumpstart my investment portfolio in the right direction for me.
Rule #1: I Do Not Invest In Single Stocks
Rule #2: Know My Risk Tolerance For Where I Am
Rule #3: Never Panic, Stay The Course
For show notes/transcript go to habeshafinance.com/17
Awesome experts you should check out and their websites and books:
John C. Bogle - Founder of Vanguard, book -> habeshafinance.com/boglebook The academic...
2018-09-1015 minHabesha Finance Podcast16. What is Compound Interest? Why Does it Matter?Einstein called compound interest the most powerful force in the universe.
In this episode we cover the basics of compound interest and explore the opportunity cost with common monthly expenses. Find out exactly how much that daily latte or your car payment could really cost you.
You can find in the show notes at habeshafinance.com/16 a pretty cool table that shows you the year by year progression of the different saving items. You'll see how much you could have accumulated after 10, 15 up to 40 years of saving and investing the same amount you would be throwing at various monthly expenses...
2018-09-0314 minHabesha Finance Podcast15. Part 2 of 2 Free Tools to Help You Take Financial Control [Net Worth Tracker!]We go over the 2nd free tool that we use to maintain financial control of our lives and I'm confident will help you too.
What is your net worth?
Net worth = assets - liabilities.
Assets include the amount in the bank account, taxable and tax-advantage accounts, value of home...
Liabilities include a mortgage, car note, debt, 401k loans...
Personal Capital - an awesome and free net worth tracker. habeshafinance.com/pc. Easy way to support Habesha Finance / simply sign up for a FREE Personal Capital account using this affiliate link.
Google sheets net worth tracker - habeshafinance.com/googlesheetsnwt
For...
2018-08-2710 minHabesha Finance Podcast14. Part 1 of 2 Free Tools to Help You Take Financial Control [A Budget!]We begin a two part series on two free financial tools that my wife and I have been using to get out of debt and gain financial control and I’m confident these two tools can help you too.
Free budget apps and spreadsheet: habeshafinance.com/resources
Google Budget article: https://habeshafinance.com/your-guide-to-google-sheets-budgeting
Excuses for not budgeting:
“Budgeting is hard.”
“Budgeting restricts me.”
“I’m too busy.”
“Budgeting is complicated.”
“I’m too lazy.”
I also cover the reasons why we budget to this day and the best method we use for monthly budgeting.
For show notes and transcript go to habeshafinance.com/1
2018-08-2023 minHabesha Finance Podcast13. What’s the Point of Financial Independence and Financial Freedom?In this episode we explore the "why" of financial independence? I share my parents story coming to the United States of America as Ethiopian immigrants.
This episode will:
1. Inspire you.
2. Show you that financial independence is for all.
3. Help you realize the impact of your choices.
Figure out your "why" before you figure out your "how."
Show links:
For Business Insider article on high school and personal finance course: https://ha eshafinance.com/businessinsider
For show notes and transcript go to habeshafinance.com/13
2018-08-1309 minHabesha Finance Podcast12. Using a Health Savings Account (HSA) for Retirement PlanningWe continue exploring different retirement accounts with this final episode of this 5 part series about Health Savings Accounts, HSAs.
As of 2018 the maximum contributions you can make to an HSA is $3,450 for a single person and $6,900 for a family.
Triple tax-advantaged:
1. Contributions are pre-tax or tax-deductible.
2. All earnings and interest are tax-free.
3. Do not pay taxes on any withdrawals for qualified medical expenses.
List of medically qualified expenses, habeshafinance.com/qualifiedhsa
For show notes and transcript go to habeshafinance.com/12
2018-08-0609 minHabesha Finance Podcast11. SEP IRA, SIMPLE IRA, Solo 401(k) Basics for the Self-EmployedWe continue exploring different retirement accounts with this episode as we look at the SEP IRA, SIMPLE IRA, Solo 401(k) for the Self-Employed.
SEP IRA - Simplified Employee Pension IRA
SEP IRA available to any business of any size.
SIMPLE IRA - Savings Incentive Match PLan for Employees IRA
SIMPLE IRAs are available to any small business, usually with 100 or fewer employees.
Solo 401(k) is a traditional 401(k) plan covering a business owner with no employees, or that person and his or her spouse.
For show notes go to habeshafinance.com/11
2018-07-3013 minHabesha Finance Podcast10. Backdoor Roth IRA and Mega Backdoor Roth IRA ExplainedWe continue exploring different retirement accounts with this episode as we look at the backdoor Roth IRA and mega backdoor Roth IRA.
Open a traditional IRA, make a non-deductible contribution, and then convert that contribution to a Roth IRA. Makes sense for high income earners who aren't eligible for a Roth IRA.
Strategy to have 100% of the conversion come from the non-deductible contributions covered in this episode.
Mega backdoor Roth IRA depends on your 401k/403b plan feature.
For show notes go to habeshafinance.com/10
Check out White Coat Investor podcast at habeshafinance.com/wcipod
2018-07-2310 minHabesha Finance Podcast9. Traditional IRA or Roth IRA, Which is Better?We continue exploring different retirement accounts with this episode as we look at the differences between a Traditional IRA and a Roth IRA.
Some of the questions that we'll answer:
How Are Taxes Treated?
How Much Can I Contribute?
Who Qualifies for a Traditional IRA? Roth IRA?
What About Withdrawing the Money?
Investment Selections?
Back Door Roth IRA?
For show notes go to habeshafinance.com/9
2018-07-1614 minHabesha Finance Podcast8. Maximize Your 401(k) Plan to Achieve Financial IndependenceIn this episode we discuss the 401(k) plan and some important information you will want to know about.
Who qualifies for a 401(k)?
Why you want your employer to offer a 401(k) plan.
How much to invest?
Companies that offer pensions: http://habeshafinance.com/pensioncompanies
Currently you can defer up to $18,500 in a 401k.
Check investment fees in your 401(k) and opt for index funds. Keep fees low!
Move the money into a Rollover IRA if you leave your job.
Assign a primary and secondary beneficiary in your 401(k).
For show notes go to habeshafinance.com/8
2018-07-0914 minHabesha Finance Podcast7. Advice for the 2018 Graduates That Will Set You Up For SuccessIn this episode I share with you some wisdom and education to help you or anyone you know who recently graduated. Whether you've graduated from high school, college or earned an advanced degree you will want to listen to this episode.
1. Stay away from consumer debt and pay off student loans fast!
2. Don't finance that car or any other material item.
3. Revisit your goals and adjust as needed.
4. Build your network.
For show notes go to habeshafinance.com/classof2018.
2018-07-0210 minHabesha Finance Podcast6. 5 Actions of Financial Independence You Need to Do TodayIn this episode we review 5 actions of financial independence you can get started with today. For show notes and transcript, visit habeshafinance.com/5actions
We started our journey to financial independence early in 2017. I break down the 5 actions we've taken to lay a foundation to build wealth and overcome our money problems.
1. Get life insurance. Check out my affiliate link habeshafinance.com/haven to get a term life policy today.
2. Never carry debt.
3. Budget everything. Visit habeshafinance.com/resources for some awesome FREE budgeting tools.
4. Save 30-50%.
5. Have a plan.
2018-06-2512 minHabesha Finance Podcast5. Selecting Mutual Funds - Part 5 of 5 Lessons Learned from Dave Ramsey's Baby StepsThis is the final episode of a five part series where I share with you how Dave Ramsey's baby steps have helped me accelerate my path towards financial independence.
In this episode we discuss mutual funds and more specifically index funds. In this episode you will learn how much you can save by switching from actively managed mutual funds to low cost index funds.
Show Index Funds:
US Total Stock Market
S&P 500
International Stock Market
Total Bond Market
For the complete guide to Dave Ramsey's 7 baby steps visit:
habeshafinance.com/daveramseysteps
To learn about the simple way to invest...
2018-06-1809 minHabesha Finance Podcast4. Buying a House - Part 4 of 5 Lessons Learned from Dave Ramsey's Baby StepsThis is the fourth part of a five part series where I share with you how Dave Ramsey's baby steps have helped me accelerate my path towards financial independence.
For the complete guide to Dave Ramsey's 7 baby steps visit: habeshafinance.com/daveramseysteps
Get your free BrotherFI financial independence checklist and the latest articles by going to habeshafinance.com/sub and simply add your email.
2018-06-1107 minHabesha Finance Podcast3. Using Credit Cards - Part 3 of 5 Lessons Learned from Dave Ramsey's Baby StepsThis is the third part of a five part series where I share with you how Dave Ramsey's baby steps have helped me accelerate my path towards financial independence. From reading Total Money Makeover to going through Financial Peace University I'm here to share what I've learned.
Are credit cards really worth having?
How should you handle having a credit card?
Young people should be educated on using credit cards...or not using any at all?
For my post on credit cards check out the link habeshafinance.com/nocreditcards.
For the complete guide to Dave Ramsey's 7 baby steps visit: habeshafinance...
2018-06-0405 minHabesha Finance Podcast2. Saving for Retirement - Part 2 of 5 Lessons Learned from Dave Ramsey's Baby StepsThis is the second part of a five part series where I share with you how Dave Ramsey's baby steps have helped me accelerate my path towards financial independence.
From reading Total Money Makeover to going through Financial Peace University I'm here to share what I've learned.Â
For more information on index funds and the strategies I use for investing visit  habeshafinance.com/indexfunds
For the complete guide to Dave Ramsey's 7 baby steps visit: habeshafinance.com/daveramseysteps
Get your fr...
2018-05-2806 minHabesha Finance Podcast1. Becoming Debt Free - Part 1 of 5 Lessons Learned from Dave Ramsey's Baby StepsThis is the first part of a five part series where I share with you how Dave Ramsey's baby steps have helped me accelerate my path towards financial independence.Â
From reading Total Money Makeover to going through Financial Peace University I'm here to share what I've learned.Â
Debt snowball vs debt avalanche post with an awesome free debt repayment tool: habeshafinance.com/payoffdebtÂ
For the complete guide to Dave Ramsey's 7 baby steps visit: habeshafinance.com/daveramseystepsÂ
Get your free Habesha Finance financial checklist and the latest articles by going to habeshafinance.com/sub and simply add your email.
2018-05-2105 min