Shows
Real Personal FinanceThe Good, the Bad, and the Ugly of the OBBBAWith the OBBBA now signed into law, we’re sitting down to walk through the good, the bad, and the ugly. The biggest takeaway is that the new bill has opened the door to some great tax planning opportunities, but you have to act soon! Most of the OBBBA’s changes expire in four years, so you have a little time and space to consider doing a Roth conversion or realize some capital gains. We explore the impact on tax rates, estate and gift tax, deductions, tax credits, and more. After that, we dive into how Congress will...2025-07-3121 min
Humanity Might Make ItBanned Bandwidth, Obi Wan Humanity, Fancy Foot Scanners, Sayonara Cigarettes and 2001 Space MonkeysThis week, Scott and Frank discuss Banned Bandwidth, Obi-Wan Humanity, Fancy Foot Scanners, Sayonara Cigarettes and 2001 Space Monkeys in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talkin' 'bout everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all other whatevs to Scott & Frank's super high-tech...2025-07-241h 05Real Personal FinanceAm I Behind? Rethinking Retirement Catch-Up StrategiesDo you ever feel like you're behind on retirement? A 41-year-old listener with over $230,000 saved and a 50%+ savings rate, certainly did. In this episode, we explain why starting late doesn't mean finishing last, especially when you're making such incredible strides! We dive into the numbers, the idea of being "behind" and the importance of the right mindset during this prep-for-retirement journey.You will hear a little debate about Roth versus traditional 401(k), how your tax bracket should guide your choices, and why leaning too heavily on dividend funds might hold back your growth in the long term...2025-07-1730 minReal Personal FinanceAre You Saving Money in the Right Order?We all know we should probably save some more, but when we pass the piggy bank phase and have larger amounts of money, things get a little more complicated than just dropping some coins every once in a while. In this episode of Real Personal Finance, Scott and Nick get into a little detail that most people skip: “where” and “how” matter as much as “how much” when it comes to saving.Key takeaways:The emergency fund is not optional; it’s the foundation of savingThe 401K match is free money you shouldn't leave behindSequence matters: there’s a smar...2025-07-0325 min
Humanity Might Make ItElectric Rain, Big Bang Buckets, Solar Sludge Bodies, Robotic Rumbles, Gonzo Gas and Cosmic ChaosThis week, Scott and Frank discuss Electric Rain, Big Bang Buckets, Solar Sludge Bodies, Robotic Rumbles, Gonzo Gas and Cosmic Chaos in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talkin' 'bout everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all other whatevs to Scott...2025-07-0255 minReal Personal FinanceFrom Saver to Spender: How to Ease the Emotional Shift into RetirementRetirement is supposed to be the reward after decades of hard work, but for many, the hardest part is learning how to actually spend the money they’ve saved. In this episode, we explore why that transition feels so uncomfortable and how creating a retirement paycheck can help make spending feel safe and sustainable. We talk through the natural phases of retirement spending, the risks of being too conservative, and how to align your money with what really matters to you.Key takeaways:Retirement spending happens in phases, and your plan should evolve with themA "retirement pa...2025-06-0526 min
Humanity Might Make ItMandated Podcasts, Dome Dummies, Soot Solutions, Stupid Styrofoam, Photonic Phuture and DIY Busted BunkersThis week, Scott and Frank discuss Mandated Podcasts, Dome Dummies, Soot Solutions, Stupid Styrofoam, Photonic Phuture and DIY Busted Bunkers in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talkin' 'bout everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all other whatevs to Scott & Frank's...2025-06-0454 minReal Personal FinanceRethinking Your Retirement TimingWhy do some people delay retirement when they’re more than ready, while others want out the moment they hit the financial edge? In this episode, we explore the emotional weight behind retirement decisions, from the fear of losing identity to the overlooked value of early, healthy retirement years. You’ll hear how flexible paths like consulting or “dialing down” can offer purpose and freedom without the pressure of full-time work. If you’ve ever asked yourself whether to push through one more year or step into your next chapter, this conversation is your guide.Key takeaways:Retireme...2025-05-2218 min
Humanity Might Make ItRunning At Asteroids, Monarch Mayhem, Fascist Falderal, Tesla Tyranny and Reading Books Instead of Banning ThemThis week Scott and Frank discuss Running at Asteroids, Monarch Mayhem, Fascist Falderal, Tesla Tyranny and Reading Books Instead of Banning Them in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talkin' 'bout everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all other whatevs to...2025-05-141h 04Real Personal FinanceWhat’s the Purpose of Your Money?What should you do with extra cash when markets feel shaky? In this episode, we break down why your savings rate is the real engine of wealth, and how understanding the purpose behind your money brings clarity to every financial decision. You’ll learn why market downturns can be golden opportunities, but only if your foundation is solid and your timeline matches the risk. We also share how investment certainty grows with time, helping you shift your mindset from fear to long-term confidence.Key takeaways:Know your savings rate and aim for 10–20% of total compensation.Build fina...2025-05-0812 minReal Personal FinanceLiberation Day, Trade Wars, and Your Portfolio: What Investors Need to KnowIs market volatility really all about tariffs? In the wake of the unexpectedly aggressive “Liberation Day,” headlines would have you believe so. But the bigger culprit isn’t trade policy—it’s uncertainty. While U.S. markets have taken a noticeable hit, international developed markets are down only about 1.3% as of this recording. So what’s really going on? In this episode, we break down what investors need to keep in mind when the market gets shaky, including:Why portfolio diversification is your best defense in turbulent timesWhy volatility tends to cluster and why that makes timing the market so di...2025-04-2424 min
Humanity Might Make ItPodcast Throne Groan, House Mouse Aid, Gusty Thrusty Turbines, EV LuvDuv, Inhumanity Humanity and Skywalker HandsThis week Scott and Frank discuss Podcast Throne Groan, House Mouse Aid, Gusty Thrusty Turbines, EV LuvDuv, Inhumanity Humanity and Skywalker Hands in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talkin' 'bout everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all other whatevs to...2025-04-1842 minReal Personal FinanceThe Art of Knowing When to Save or SpendBalancing today’s lifestyle with tomorrow’s goals isn’t easy, but it’s doable. In this episode, we answer a listener's question about 401(k) contribution limits and employer matching, which opens up a broader conversation about financial flexibility and smart savings strategies.We break down 2025 contribution limits, including catch-up provisions for those over 50, and clarify what counts toward those limits. Nathan, who works in higher ed and saves 21% of his income, offers a great example of blending tax-advantaged retirement accounts with a brokerage account for added flexibility.This episode offers practical insights to help you buil...2025-04-1020 minReal Personal FinanceTry Before You Buy: How to Test-Drive Big Life TransitionsMajor financial transitions don't have to be binary choices – testing your assumptions before making big moves can prevent costly mistakes and regrets. In this episode, Nick and Scott talk about test-driving potential life transitions to help guide your decisions. • Looking at buying a home? Try setting aside the difference between rent and projected homeownership costs• Practice living on expected retirement income while still employed• Try extended stays in potential retirement locations during different seasonsBreak down big transitions into small, actionable steps, and remember that major life goals often involve both financial...2025-03-2720 min
Humanity Might Make ItDoomsday Clock Shock, Dark Forces Rising, Overnight Asteroid, Lab Slab Meaner & Greener, Used EV Love and Gas Powered PhonesThis week Scott and Frank discuss Doomsday Clock Shock, Dark Forces Rising, Overnight Asteroid, Lab Slab Meaner & Greener, Used EV Love and Gas Powered Phones in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talkin' 'bout everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all...2025-03-1856 minReal Personal FinanceTaking Control of Your Financial Future: Planning, Investing & Risk ManagementIn the face of the uncertainty of life, it’s difficult knowing that many things are out of your control. Focusing on your financial well-being can often feel daunting, especially with the unpredictability of markets. In this episode, we discuss aspects of your financial journey that you can control, like…- The importance of having a structured financial plan- Cash flow: savings, spending, debt, and taxes- Strategies for managing investments and understanding risk- An emergency fund in your financial security- A personal financial roadmap that adap...2025-03-1324 minReal Personal FinanceHow To Spend More In Retirement With a Dynamic Withdrawal RateThis week, we welcome new co-host Nick Covyeau, a Certified Financial Planner and owner of Swell Financial Partners, to discuss safe retirement spending strategies. We talk about the different approaches to withdrawal rates and the factors that can impact these decisions including retirement timing, portfolio balance, navigating market changes and planning for big purchases. We cover all this and more to give you the tools for a worry-free, fulfilling retirement!Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Nick Covyeau on LinkedInSwell Financial PartnersLeave us a question! Money can be c...2025-02-2719 min
Humanity Might Make ItStreaming Streamers, Plunking Ploggers, Norway Numbers, Not See a Nazi, Humanity Dance Off and You Rebel ScumThis week, Scott and Frank discuss Streaming Streamers, Plunking Ploggers, Norway Numbers, Not See a Nazi, Humanity Dance Off and You Rebel Scum in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talkin' 'bout everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all other whatevs...2025-02-141h 04Real Personal FinanceThe Diversification Illusion of the S&P 500The S&P 500 was up 25% in 2024, so is that all you need for a strong financial future? Not so fast. Putting all your money in one place—even a good one—is risky.Smart investors look beyond the U.S. to global markets, small-value stocks, and international giants like Toyota and Taiwan Semiconductor. More variety = less risk.Join us to see just how staying broadly diversified means so much more than simply investing in the S&P 500.Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Meg Bartelt on LinkedIn Flow Fin...2025-02-1323 minReal Personal FinanceInvesting Principles to Keep in Mind in 2025If you’re tired of checking on your portfolio every day, we’ve got good news! In this episode, we go back to Investing 101 to look at the basic principles of a healthy outlook on the markets.Join us for this quick overview of how to avoid the traps that others fall into and keep your financial plan on target!Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Leave me a question! Money can be confusing—but it doesn’t have to be. When you’re able to understand the...2025-01-3012 min
Humanity Might Make ItEnd of Year Fear, Drone Dangers, Chimpanzee Feces Plane, Safer Satellites, Bumblebee's Bouncin' Back and Christmas Tree TiradesThis week, Scott and Frank discuss End of Year Fear, Drone Dangers, Chimpanzee Feces Plane, Safer Satellites, Bumblebee's Bouncin' Back and Christmas Tree Tirades in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talkin' 'bout everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all other...2025-01-1752 minReal Personal FinanceThe 5 Steps of a DIY Annual Investments ReviewThe new year is a great time to do an annual review. In this episode, we look at five things to look at regarding your investments to help you make the most of your money. Join us as we look at some of the simplest ways you can help keep your financial plan on track!Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Meg Bartelt on LinkedIn Flow Financial PlanningLeave us a question! Money can be confusing—but it doesn’t have to be. When you’re able to unde...2025-01-1632 minReal Personal FinanceBuilding Habits that Last Longer than ResolutionsNew year, new you, new episode! Failed New Year’s resolutions are so cliche. How can you achieve lasting results, whether you’re trying to get healthy, save more money, or something else?Tune in to hear how you can set yourself up for success – as well as our favorite financial habits for the new year!Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Meg Bartelt on LinkedIn Flow Financial PlanningLeave us a question! Money can be confusing—but it doesn’t have to be. When you’re able to unders...2025-01-0230 minReal Personal FinanceWhat Does Your Most Fulfilled Life Look Like?What does your most fulfilled life look like? If you’re not sure, then this episode is for you. Join us as we discuss three questions to help you uncover what is most important to you!Resources mentioned in this episode:Goals for Life WorksheetKinder’s 3 QuestionsReady to learn more? Scott Frank on LinkedIn Stone Steps Financial Meg Bartelt on LinkedIn Flow Financial PlanningLeave us a question! Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make bet...2024-12-1937 minReal Personal FinanceShould I Rent or Should I Buy?To be a home owner or not to be a home owner, that is the question – and the answer is anything but simple!Tune in as we discuss when home ownership makes sense and when it may be better to rent. Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Meg Bartelt on LinkedIn Flow Financial PlanningLeave us a question! Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you...2024-12-0533 min
Humanity Might Make ItDoomsday Clock Shock, Brain Scramblers, Voyager Valor, Big Apple Energy, Electric Revs and Sleepy ScienceThis week, Scott and Frank discuss Doomsday Clock Shock, Brain Scramblers, Voyager Valor, Big Apple Energy, Electric Revs and Sleepy Science in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all other whatevs to Scott...2024-11-2256 minReal Personal FinanceWhen Roth Conversions Make Sense (and When They Don’t)Roth conversions can be a great tool for minimizing your tax burden, but you don’t want to jump in blind. If you have a 401(k) and/or an IRA, you don’t want to miss this episode.Join us as we look at the what, when and why of Roth conversions.Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Meg Bartelt on LinkedIn Flow Financial PlanningLeave us a question! Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexitie...2024-11-2127 min
Humanity Might Make ItLaughing Language, Salty Spices, E-Waste Robots, Poop Cars, SS Coral Reef, Humanity Doozers and Fungi Fun GuysThis week, Scott and Frank discuss Laughing Language, Salty Spices, E-Waste Robots, Poop Cars, SS Coral Reef, Humanity Doozers and Fungi Fun Guys in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all other whatevs...2024-11-1257 minReal Personal FinanceWhat Do Financial Advisors Actually Do?Ever wonder what exactly a financial advisor does? In our latest episode, we’re going beyond investments and insurance to look at the big picture of everything we do as advisors.Join us as we pull back the curtain on what we do, how we think about it, and how we help our clients.Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Meg Bartelt on LinkedIn Flow Financial PlanningLeave us a question! Money can be confusing—but it doesn’t have to be. When you’re able to understand...2024-11-0731 minReal Personal FinanceHow to Leverage Tax Projections to Minimize Your Tax BurdenSitting down to do a tax projection can make a huge impact on the amount of taxes you pay – but you have to do it before December 31!Whether you’re expecting next year to be a high- or low-income year, join us as we discuss how a tax projection can help minimize your tax burden.Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Meg Bartelt on LinkedIn Flow Financial PlanningLeave us a question! Money can be confusing—but it doesn’t have to be. When you’re able to underst...2024-10-2430 min
Humanity Might Make ItRC Car North Star, Living Plastic Power, Parkinsons Prospects, Moonball Basics, Ecological Elations and our Internal Space StationThis week, Scott and Frank discuss RC Car North Star, Living Plastic Power, Parkinson's Prospects, Moonball Basics, Ecological Elations, and our Internal Space Station in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all other...2024-10-181h 01Real Personal FinanceMaking Moves During Open Enrollment? Learn More About Life Insurance, Disability Coverage, 401(k), and MoreWe’re back with another look at open enrollment decisions! This time, we’re talking life insurance, disability coverage, 401(k)s and more.Join us as we discuss which options make sense, and which you could probably ignore.Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Meg Bartelt on LinkedIn Flow Financial PlanningLeave us a question! Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align...2024-10-1030 minReal Personal FinanceWeighing the Benefits: How to Make a Decision on Employer-Provided Health InsuranceOpen enrollment season is almost here! Do you know what you’ll need for health insurance next year? Join us as we look at the most important factors to consider when choosing your plan. Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Meg Bartelt on LinkedIn Flow Financial PlanningMoney can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align your money with your ideal life? Connect with us at Sto...2024-09-2622 min
The Nova SocietyA conversation with Frank Schaeffer Part 2 S3E109 09.20.2024Do you have a question or comment? Want to suggest a topic for our panel or be a guest on the Nova Society? Send us a message!The NOVA Society Podcast Season 3 is now Streaming!The Nova Society encourages our listeners to check out more from Frank SchaefferFrank Schaeffer YouTubeFrank Schaeffer SubStackFrank Schaeffer In Conversation PodcastCrazy for God by Frank Schaeffer The Nova Society2024-09-2027 minReal Personal FinanceEmbracing the Mess: How to Improve Financial Outcomes When Life Doesn’t Go as PlannedIf your financial goals always feel like they’re just out of reach, you’re not alone! In this episode, we talk about the dissonance between your financial plan and real life – and how to put your advisor’s best advice into action more consistently.Join us as we discuss the stories and strategies that make financial planning such a dynamic and important journey.Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Meg Bartelt on LinkedIn Flow Financial PlanningMoney can be confusing—but it doesn’t have to be. When you’re able...2024-09-1227 minReal Personal FinanceWhat is an Exchange Fund (and Should You Ever Join One)?Should you join an exchange fund? Can they really minimize taxes? What are the potential downsides? What are your other options? Do we recommend them?Join us as we talk through the pros and cons of exchange funds, plus a few alternatives that could provide added protection without all the complexity. Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Meg Bartelt on LinkedIn Flow Financial PlanningMoney can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve...2024-08-2926 minReal Personal FinancePolitics and Personal Finance: Strategies for Stability During a Wild Election SeasonIt’s election time again and right on cue, everything feels a little out of control. But should it? What does history have to say about market behavior around elections? Join us as we consider the influence of Democrats vs. Republicans, presidents vs. senators, the Fed vs. the DOJ, and more as we seek to find where politics and economics overlap (and where they don’t).Plus, we’ll zoom in to see how you can seek to maintain financial stability, even when the news seems hell-bent on trying to make you panic. Whether you're a retiree needin...2024-08-1524 minReal Personal FinanceBalancing Stocks, Bonds, Cash, and Your Financial GoalsHow do financial advisors mix stocks, bonds, and cash to achieve the best returns to meet each person’s financial needs? In today’s episode, Scott Frank and Meg Bartelt discuss the unique risks and potential returns each one offers; focusing on these primary asset classes can lead to a more stable and profitable investment strategy. They dive into the various types of bonds—government, municipal, and corporate—and their role in your portfolio, while delving into the importance of credit ratings, bond maturity, and global currency risks, offering you insights on how to navigate these complexities. Scott and...2024-08-0130 min
Humanity Might Make ItSatched In Joy, Bacteria Batteries, Soil Solutions, Cannabis Corrections, Solar War Games and Bionic Eye SoresThis week Scott and Frank talk about...among other things...Satched In Joy, Bacteria Batteries, Soil Solutions, Cannabis Corrections, Solar War Games and Bionic Eye Sores in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and...2024-07-311h 05Real Personal FinanceHow to Stop Your Instincts and Biases From Ruining Your Portfolio ReturnsPeople say it’s just business, it’s not emotional, but that’s really not the case. In this episode of Real Personal Finance, Scott Frank, founder of Stone Steps Financial, and Meg Bartelt, founder of Flow Financial Planning, LLC, tackle the psychological minefield of investment decisions and uncover how recent trends, like the meteoric rise of big tech stocks, can warp your perspective. They delve into the cognitive biases, specifically recency bias, that often stand in the way of sound financial strategies and illustrate how structured systems can safeguard your portfolio against these mental pitfalls. Past performance, while tempti...2024-07-1820 min
Humanity Might Make ItPlanes, Trains & Batteries, Moon Mission Madness, Anchors Away, Magical Moisture Vaporators and Sand SanityThis week Scott and Frank talk about...among other things...Planes, Trains & Batteries, Moon Mission Madness, Anchors Away, Magical Moisture Vaporators and Sand Sanity in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all other...2024-07-091h 03Real Personal FinanceHow to Build an Emergency PlanHow prepared are you for a financial crisis when job security feels more fragile than ever? In today's episode, Scott Frank and Meg Bartelt break down the essential steps to creating a strong emergency plan able to withstand the tech industry’s volatile job market. Learn how to navigate financial instability with actionable strategies. In order to save money, people are often advised to cut small expenses, but that’s not enough. We discuss why that practice isn’t enough and how managing major costs can protect your financial future. We provide a clear, step-by-step guide to maintai...2024-07-0424 minReal Personal FinanceHow Can You Plan For An Uncertain Future?How do you secure your retirement against an uncertain future? In this episode of “Real Personal Finance,” Scott Frank, founder of Stone Steps Financial, and Meg Bartelt, founder of Flow Financial Planning, LLC, explore strategies to predict future expenses and ensure financial readiness, even if retirement is decades away. They address a listener question about preparing 26 years ahead, covering how to assess current expenses and plan for changing costs like mortgages. Estimating future medical expenses is crucial yet challenging, but informed planning brings peace of mind.Our discussion extends to the importance of ongoing financial reassessment, considering life...2024-06-2022 min
Humanity Might Make ItMining the Stars, Vaccine Victories, Magical Movies, UFO Scuttlebutt, Overdose Your Microdose, Daily Dogs and Ether DreamsThis week Scott and Frank talk about...among other things...Mining the Stars, Vaccine Victories, Magical Movies, UFO Scuttlebutt, Overdose Your Microdose, Daily Dogs and Ether Dreams in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it...2024-06-0757 minReal Personal FinanceIs Giving to a Donor-Advised Fund Worth It?Rethink your charitable giving and maximize your tax benefits with Donor-Advised Funds. Discover how this streamlined and tax-efficient alternative to traditional donation methods might just be a game-changer to your financial strategy. Scott and Meg contrast DAFs with conventional giving methods like checks and credit cards, to paint a clearer picture of their advantages. They also address common myths surrounding DAFs, especially the idea that they're only a tool for tax avoidance. Learn from real-life examples about when a DAF is the best choice and why genuine charitable intent is crucial to take advantage of its full potential.2024-06-0628 minReal Personal FinanceShould I Invest in My Health Savings Account?Are you using your Health Savings Account to its full potential? HSAs are great for covering immediate healthcare costs, but with careful planning, they can also become a strategic part of your long-term wealth plan. This week, Scott Frank, founder of Stone Steps Financial, and Meg Bartelt, founder of Flow Financial Planning, LLC, take on HSAs, sharing the ins and outs of eligibility, their triple tax benefits, and how it can become a vital nest egg for end-of-life care later on. HSAs were created to help offset the cost of healthcare, so start letting your account do t...2024-05-2327 min
Humanity Might Make ItElectric Elation, Mycelium Magic, Non-Voided Voyager, Cannabis Cognition, Cornea Corrections, Wall-E Wonderland and Humpback HumilityThis week Scott and Frank talk about...among other things...Electric Elation, Mycelium Magic, Non-Voided Voyager, Cannabis Cognition, Cornea Corrections, Wall-E Wonderland and Humpback Humility in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all...2024-05-211h 05Real Personal FinanceWhat Should You Do With Your Stock Portfolio?Deciding what to do with your stocks can prove to be a problem, challenge, and opportunity all at once. With a huge portfolio in front of you, what can you do to slim it down? This week, Scott Frank, founder of Stone Steps Financial, and Meg Bartelt, founder of Flow Financial Planning, LLC, provide insights on how to cut down on your stocks to achieve the life you’ve dreamed of. We have emotional ties to our investments—but that shouldn’t stop you from pursuing a more financially sound future. Scott and Meg swap tales of market...2024-05-1425 minReal Personal FinanceWhat Should You Do With Your Pile of Cash?Is your cash currently sitting under your mattress, withering away with inflation? While stashing your cash seems like a safe bet, it limits your access to investment opportunities. With inflation rising, the value of your cash may not have the longevity you hoped for. If you currently have a pile of cash and are asking yourself, “Well…what now?” this week’s episode of “Real Personal Finance” guides you through aligning your resources with the life you want to lead. Scott Frank, founder of Stone Steps Financial, and Meg Bartelt, founder of Flow Financial Planning, LLC, share strategies that steer you cl...2024-05-1323 minReal Personal FinanceIs It Possible To Actually Reach FIRE?What does being financially independent mean to you? Those chasing FIRE (Financial Independence, Retire Early) are choosing to live frugally now to achieve early retirement. FIRE is a means to unlock a life where work is optional and the freedom of choice reigns supreme. Scott Frank, founder of Stone Steps Financial, and Meg Bartelt, founder of Flow Financial Planning, LLC, discuss the movement's evolution and how people are applying FIRE principles to their daily lives. With the concept of Coast FIRE, early retirement is more attainable than it seems—even for those starting later in life. The con...2024-05-1025 minReal Personal FinanceHow Can You Avoid Surprises Next Tax Season?Does your anxiety spike every time tax season rolls around? The possibility of receiving an unexpected tax bill can bring a sense of dread to the entire month of April. We all have to pay taxes, but we don’t have to stress about them. Scott Frank, founder of Stone Steps Financial, is joined by Meg Bartelt, founder of Flow Financial Planning, LLC, to simplify conversations around money and tax planning. Conquer your tax season anxiety and avoid the shock of unexpected tax bills through Scott and Meg’s insight and tips. Accurate reporting, strategic planning, and incre...2024-05-0926 min
Humanity Might Make ItFlaccid Folderal, Chipped Chatter, Free Will Wailings, Fusion Fast Forward, Spontaneous Dumparoos and Buddhist BottlesThis week Scott and Frank talk about...among other things...Flaccid Folderal, Chipped Chatter, Free Will Wailings, Fusion Fast Forward, Spontaneous Dumparoos and Buddhist Bottles in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all...2024-04-161h 03
Humanity Might Make ItTip Trip to the Moon, Death Row Rockets, Super Bug Bustin', Solar Super Bowl, Manatee Moments and an Interpretive GoldblumThis week Scott and Frank talk about...among other things...Tip Trip to the Moon, Death Row Rockets, Super Bug Bustin', Solar Super Bowl, Manatee Moments and an Interpretive Goldblum in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity...2024-03-131h 00
Humanity Might Make ItPain Potatoes, Chiro-Cantankerousness, Building a Better Battery, Sunny Solar, Cannabis Concessions and Past Peoples PerspectivesThis week Scott and Frank talk about...among other things...Pain Potatoes, Chiro-Cantankerousness, Building a Better Battery, Sunny Solar, Cannabis Concessions and Past Peoples Perspectives in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all...2024-02-271h 13
Humanity Might Make ItSafe Plane People, A Cacophony of Caulk, Domes of Doom, Magical Power Balls, Roach Rescheduling and New Tasty TechThis week Scott and Frank talk about...among other things...Safe Plane People, A Cacophony of Caulk, Domes of Doom, Magical Power Balls, Roach Rescheduling and New Tasty Tech in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might...2024-01-301h 06
Humanity Might Make ItDimensional Jumping, Alien God Delusions, Coal No-Mo, Geothermal Greatness, Carbon Capture Cravings and Billionaire ZombiesThis week Scott and Frank talk about...among other things...Dimensional Jumping, Alien God Delusions, Coal No-Mo, Geothermal Greatness, Carbon Capture Cravings and Billionaire Zombies in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all...2024-01-041h 01
Humanity Might Make ItPlanetary Trash Cloud, Rechargeable Heartbeats, Fish God Creations, Dog Lovin' Happy Health, Organic Electronics and Optical OpulenceThis week Scott and Frank talk about...among other things...Planetary Trash Cloud, Rechargeable Heartbeats, Fish God Creations, Dog Lovin' Happy Health, Organic Electronics and Optical Opulence in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it...2023-12-0654 min
Humanity Might Make ItChimpanzee Mirrors, Alien Earth Juice, Drone Delivery Dangers, Emergency Pizza, Solar SUVs, Cancer Soap and Empire Luke HandsThis week Scott and Frank talk about...among other things...Chimpanzee Mirrors, Alien Earth Juice, Drone Delivery Dangers, Emergency Pizza, Solar SUVs, Cancer Soap and Empire Luke Hands in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make...2023-11-2158 min
Humanity Might Make ItHysterical Hysteria, 3D Printed Clean Coal Plastic, Saltwater Solutions, Pigney Power, Wet Swim Trunks on the Moon and NASA Battery BreakthroughsThis week Scott and Frank talk about...among other things...Hysterical Hysteria, 3D Printed Clean Coal Plastic, Saltwater Solutions, Pigney Power, Wet Swim Trunks on the Moon and NASA Battery Breakthroughs in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons...2023-10-181h 00
Humanity Might Make ItBeing Back Baby, Magical Alien Scuttlebutt, Porcupine Truman Moon, Brainwave Eye Scoops, Bionic Biorhythms and Fossil Fuels FallingAfter taking a summer break to continue contemplating the fate of humanity, Scott and Frank are back...and this week they talk about...among other things...Being Back Baby, Magical Alien Scuttlebutt, Porcupine Truman Moon, Brainwave Eye Scoops, Bionic Biorhythms and Fossil Fuels Falling in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really...2023-10-051h 00
Humanity Might Make ItPerpetuity Platitudes, Plant Based Solar Powered Microchip Converters, Volcanic Captures, Paralyzed Progress, Shark Servers and Big Mosquito MomentsThis week Scott and Frank talk about...among other things...Perpetuity Platitudes, Plant Based Solar Powered Microchip Converters, Volcanic Captures, Paralyzed Progress, Shark Servers and Big Mosquito Moments in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make...2023-06-2157 min
Humanity Might Make ItCosmic Clock Corrections, Smoke Signals Going South, A.I. Lawyers, Positive Polar Plunges and Fishin' on MarsThis week Scott and Frank talk about...among other things...Cosmic Clock Corrections, Smoke Signals Going South, A.I. Lawyers, Positive Polar Plunges and Fishin' on Mars in their continued hope that Humanity Might Make It.
Humanity Might Make It is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about everything under the sun...and trying to work out each week whether humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it...2023-06-021h 00
Humanity Might Make ItGood Meat Making, College Food Fun, Recycling Raves, Plant Based Problems, 4K Moon Movies, River Restorations and Saran Wrap DomesThis week Scott and Frank talk about...among other things...Good Meat Making, College Food Fun, Recycling Raves, Plant-Based Problems, 4K Moon Movies, River Restorations and Saran Wrap Domes in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity...2023-05-101h 06
Humanity Might Make ItChimpanzee Camaraderie, Photosynthesis Phacts, Apocalyptic Accounting, Enzyme Electricity and Wacky Weed WondersThis week Scott and Frank talk about...among other things...Purging Prejudice, 3D Printed Better Batteries, Magical Microwaves, Slumber Secrets, Global Ocean Protections and Snowbi-Wan-Kenobi in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and...2023-04-261h 08
Humanity Might Make ItPurging Prejudice, 3D Printed Better Batteries, Magical Microwaves, Slumber Secrets, Global Ocean Protections and Snowbi-Wan-KenobiThis week Scott and Frank talk about...among other things...Purging Prejudice, 3D Printed Better Batteries, Magical Microwaves, Slumber Secrets, Global Ocean Protections and Snowbi-Wan-Kenobi in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and...2023-04-1257 min
Humanity Might Make ItUFO Shooting Galleries, Astronomical Archeology, Galactical Quandries, Trash Moon Makers, Charging Challenges, Alien Economics and Shark SurvivalsThis week Scott and Frank talk about...among other things...UFO Shooting Galleries, Astronomical Archeology, Galactical Quandries, Trash Moon Makers, Charging Challenges, Alien Economics and Shark Survivals in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make...2023-03-2956 min
Humanity Might Make ItLittle A.I. Babies, Dynamic Doctor Droids, Symbiotic Skin Suits, More Moon & Mars Movies, Ozzie Times to Tripp, Portable Pollinators and Salvia DementorsThis week Scott and Frank talk about...among other things...Little A.I. Babies, Dynamic Doctor Droids, Symbiotic Skin Suits, More Moon & Mars Movies, Ozzie Times to Tripp, Portable Pollinators and Salvia Dementors in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send...2023-03-151h 12
Humanity Might Make ItArtificially Artificial Intelligence, Tiny T-1000, R2-Dust-Bin, River Restorations, Dynamic Dolphin Disentanglement and Fossil Fuel DivestmentsThis week Scott and Frank talk about...among other things...Artificially Artificial Intelligence, Tiny T-1000, R2-Dust-Bin, River Restorations, Dynamic Dolphin Disentanglement and Fossil Fuel Divestments in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it...2023-03-0156 min
Humanity Might Make ItWonderful Whistling, Fantastic Farm-Bots, Pseudo Photosynthesis, Short Round Radiance and Magnificent MustangsThis week Scott and Frank talk about...among other things...Wonderful Whistling, Fantastic Farm-Bots, Pseudo Photosynthesis, Short Round Radiance and Magnificent Mustangs in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and all other whatevs...2023-02-151h 00
Humanity Might Make ItHoliday Sugar Salivating, 3D Ham Toner, Symbiotic Cellular Glue, Wii Love Games, The Motion of the Ocean, Fast Food Falderal and CO2 CULaterThis week Scott and Frank talk about...among other things...Holiday Sugar Salivating, 3D Ham Toner, Symbiotic Cellular Glue, Wii Love Games, The Motion of the Ocean, Fast Food Falderal and CO2 CULater in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send...2023-02-0258 min
Humanity Might Make ItA Merry Late Christmas, Fun Fusion Future, Old Age Mutant Ninja Tortoise, De-Aging Details, Sustainable Music Machines and Hydrogen HurdlesThis week Scott and Frank talk about...among other things...A Merry Late Christmas, Fun Fusion Future, Old Age Mutant Ninja Tortoise, De-Aging Details, Sustainable Music Machines and Hydrogen Hurdles in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons...2023-01-2554 min
Humanity Might Make ItDial of Destiny Delights, Greener Rolls Royce Rides, Deep Fake Detections, Bionic Eye Excellence, Reservoir Bogs and Shark SurvivalsThis week Scott and Frank talk about...among other things...Dial of Destiny Delights, Greener Rolls Royce Rides, Deep Fake Detections, Bionic Eye Excellence, Reservoir Bogs and Shark Survivals in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity...2023-01-131h 02
Humanity Might Make ItA Coup of Commercials, Hydrogen Calculators, Dogtopia Dreams, Blood Breakthroughs, Galactic Science Fair, Tree Planting Triumphs and Amazon AwesomenessThis week Scott and Frank talk about...among other things...A Coup of Commercials, Hydrogen Calculators, Dogtopia Dreams, Blood Breakthroughs, Galactic Science Fair, Tree Planting Triumphs and Amazon Awesomeness in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity...2022-12-211h 03
Humanity Might Make ItMississippi Missives, Space-Time Continuum Loopty Loops, Unclogged Internet, A.I. Video Vexing, Scarecrow Drone Dodging and Happy Hospital HotrodsThis week Scott and Frank talk about ...among other things...Mississippi Missives, Space-Time Continuum Loopty Loops, Unclogged Internet, A.I. Video Vexing, Scarecrow Drone Dodging and Happy Hospital Hotrods in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity...2022-12-1454 minReal Personal FinanceWhat's the Best Way for a Career Changer to Get Into the Financial Planning Industry?Scott and James discuss the best way to enter the financial planning industry as a career changer.Wilson Liu Financial ResourcesWe're on YouTube here!Listener Question:I really enjoy your podcast. I've had a 10-year career in nonprofit development, but I've had a passion for investing and personal finance since I was a little kid. I'm trying to pivot into wealth management. I know in a recent episode you addressed the path into the industry for someone coming out of college. I'd love to hear if you have...2022-12-0726 min
Humanity Might Make ItA Very Timely Halloween Episode, Ice Cream Sadness, Dictating Deity, Titanic TV's, Zap 'N Go's, Solar Chipping and a Plop of HumansThis week Scott and Frank talk about ...among other things...A Very Timely Halloween Episode, Ice Cream Sadness, Dictating Deity, Titanic TV's, Zap 'N Go's, Solar Chipping and a Plop of Humans in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions...2022-12-011h 10
Humanity Might Make ItHydroponic Happiness, Greeced Renewables, Astounding Asteroids, Swamp Crawly Planet Plans, Laser Eyes and Monster Puke FacesThis week Scott and Frank talk about ...among other things...Hydroponic Happiness, Greeced Renewables, Astounding Asteroids, Swamp Crawly Planet Plans, Laser Eyes and Monster Puke Faces in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it...2022-11-0858 min
Humanity Might Make ItDeep Fake Falderal, Plastic Diamonds, The Great Can Kicking, Whistling Garbage Heap, Solar Trash Loop, Future Whale Wars and The Humanity SongThis week Scott and Frank talk about ...among other things...Deep Fake Falderal, Plastic Diamonds, The Great Can Kicking, Whistling Garbage Heap, Solar Trash Loop, Future Whale Wars and The Humanity Song in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions...2022-10-2558 min
Humanity Might Make ItScreaming Into The Void, Dimorphos DART Data, Ozone Hope, Pizza's Radical Recycling, Space Silence and Self-Driving DogsThis week Scott and Frank talk about ...among other things...Screaming Into The Void, Dimorphos DART Data, Ozone Hope, Pizza's Radical Recycling, Space Silence and Self-Driving Dogs in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make...2022-10-121h 04
Humanity Might Make ItBad Microphone Episode, The Big Plop, A.I. Art, Museum Moments, Mars Has Moxie, Lunar Lakes and Pajama Jammy JamThis week Scott and Frank talk about ...among other things...Having a Bad Microphone Episode, The Big Plop, A.I. Art, Museum Moments, Mars Has Moxie, Lunar Lakes and Pajama Jammy Jams in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions...2022-10-0659 min
Humanity Might Make ItSavvy Solar Solutions, Dome Homes, CERN Concern, Radio Responses, Titanic Troubles, Poacher Panic and Recycled AirportsThis week Scott and Frank talk about ...among other things...Savvy Solar Solutions, Dome Homes, CERN Concern, Radio Responses, Titanic Troubles, Poacher Panic and Recycled Airports in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it...2022-09-221h 06
Humanity Might Make ItAI Meatsack Lawyers, Anti-Drowning Drones, Spiking Biking, Pig Zombies, Animal Algorithms, Trans-Pods 'n Automobiles and Conscious ComputationsThis week Scott and Frank talk about AI Meatsack Lawyers, Anti-Drowning Drones, Spiking Biking, Pig Zombies, Animal Algorithms, Trans-Pods 'n Automobiles and Conscious Computations...among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make...2022-09-081h 06
Humanity Might Make ItMahoney Meanderings, Seven Healthy Habits, Carbon Capture Cars, A Billion Branches, Crisscross Applesauce and Biodegradable Baby BootiesThis week Scott and Frank talk about Mahoney Meanderings, Seven Healthy Habits, Carbon Capture Cars, A Billion Branches, Crisscross Applesauce and Biodegradable Baby Booties...among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make...2022-08-311h 03
Humanity Might Make ItRudd Rejoicing, Galactic Megapixels, Sustainable Sommelier, Asteroid Avoidance, Dominant Derivations and Screensaver PetsEPISODE SUMMARY
This week Scott and Frank talk about Rudd Rejoicing, Galactic Megapixels, Sustainable Sommelier, Asteroid Avoidance, Dominant Derivations and Screensaver Pets...among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Please send questions, answers, reasons humanity might make it, and...2022-08-171h 07
Humanity Might Make ItPlant Based Plants, Jacked Up Jet Tubes, Impossible Invertebrates, Vampire Recruitment Regret, Ghostbusters Afterthoughts and AI Baby StepsThis week Scott and Frank talk about Plant Based Plants, Jacked Up Jet Tubes, Impossible Invertebrates, Vampire Recruitment Regret, Ghostbusters Afterthoughts and AI Baby Steps...among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Send questions, answers, reasons humanity might make...2022-08-101h 04
Humanity Might Make ItPhotosynthesis Phactory, Forceful Fields, Radical River Roomba, Galactic Curb Appeal, Tatooine Tunisia, Fusion Ready and God's GunsThis week Scott and Frank talk about Photosynthesis Phactory, Forceful Fields, Radical River Roomba, Galactic Curb Appeal, Tatooine Tunisia, Fusion Ready and God's Guns...among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Send questions, answers, reasons humanity might make it...2022-08-0257 min
Humanity Might Make ItOcean Potion, Loch ness-ness, Humanities Hero, Slick-Slack Oil Smack, Pooping Plastic Styroworm, Nazi's - We Hate These Guys and Banned BullsThis week Scott and Frank talk about Ocean Potion, Loch ness-ness, Humanities Hero, Slick-Slack Oil Smack, Pooping Plastic Styroworm, Nazi's - We Hate These Guys and Banned Bulls...among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Send questions, answers, reasons...2022-07-151h 07
Humanity Might Make ItQuitting Quitters, How High Wi-Fi, 3D Printed Digital Flesh, Police Puppy Hero, Fur Family Rights, TV Terra, Germanic Coal Collapse and the Galactic Talent ShowThis week Scott and Frank talk about Quitting Quitters, How High Wi-Fi, 3D Printed Digital Flesh, Police Puppy Hero, Fur Family Rights, TV Terra, Germanic Coal Collapse and the Galactic Talent Show...among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
...2022-07-0658 min
Humanity Might Make ItTo Err is Podcast, Maverick Motivations, Marijuana Moments, Pyramid Payday, Lottery Ring of Power, Cancer Cruise Control and Solar SaturationThis week Scott and Frank talk about To Err is Podcast, Maverick Motivations, Marijuana Moments, Pyramid Payday, Lottery Ring of Power, Cancer Cruise Control and Solar Saturation ....among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Send questions, answers, reasons humanity...2022-06-281h 05
Humanity Might Make ItSweet Swedish Solar, Diminishing Dementia, Apocalyptic Schadenfreude, Bucolic Batteries, Implementing Implants, Quint Bait and Birkenstock StormtroopersThis week Scott and Frank talk about Sweet Swedish Solar, Diminishing Dementia, Apocalyptic Schadenfreude, Bucolic Batteries, Implementing Implants, Quint Bait and Birkenstock Stormtroopers....among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Send questions, answers, reasons humanity might make it, and...2022-06-181h 03
Humanity Might Make ItRecording NOT in progress, Tasty Tortilla Tape, Honey I Shrunk the Turbines, Silly Simon Song, Electric Puddle Jumping, No Mow May-be and Goonies Never Say DieThis week Scott and Frank talk about Recording NOT in progress, Tasty Tortilla Tape, Honey I Shrunk the Turbines, Silly Simon Song, Electric Puddle Jumping, No Mow May-be and Goonies Never Say Die....among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make...2022-06-0759 min
Humanity Might Make ItYouTube Tales, Star Dust Dissension, Sustainable Tesla Toys, Pluto Plutocrats, Airbus Jumbo Juice, Double Dolphin Lasers and Old Timey Heat ShieldsThis week Scott and Frank talk about YouTube Tales, Star Dust Dissension, Sustainable Tesla Toys, Pluto Plutocrats, Airbus Jumbo Juice, Double Dolphin Lasers and Old Timey Heat Shields ...among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Send questions, answers, reasons...2022-04-211h 02
Humanity Might Make ItLittle Green Growth, Caveman Rubik's Rambling, Happy Hydrofoils, Invisible Pills, Smeagol Sadness, 2-Dimensional Dummy Heads and Will Arnett-nessThis week Scott and Frank talk about Little Green Growth, Caveman Rubik's Rambling, Happy Hydrofoils, Invisible Pills, Smeagol Sadness, 2-Dimensional Dummy Heads and Will Arnett-ness...among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Send questions, answers, reasons humanity might make...2022-04-1359 min
Humanity Might Make ItAlways Listening Apathy, Thwart Thumping, Humanity Ratings, Intention Inflections, Schwarzenegger Schwagger, Rambo Ramblings and Algae AlgorithmsThis week Scott and Frank talk about Always Listening Apathy, Thwart Thumping, Humanity Ratings, Intention Inflections, Schwarzenegger Schwagger, Rambo Ramblings and Algae Algorithms...among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Send questions, answers, reasons humanity might make it, and...2022-04-011h 12
Humanity Might Make ItIce Cold Cola Wars, Plastic Pileup, Humanity Repugnations, Dynamic Dogs, World War Beer Bong, Edible Envelopes and Badminton BumblingsThis week Scott and Frank talk about Ice Cold Cola Wars, Plastic Pileup, Humanity Repugnations, Dynamic Dogs, World War Beer Bong, Edible Envelopes and Badminton Bumblings...among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Send questions, answers, reasons humanity might...2022-03-1500 min
Humanity Might Make ItLamborghini Lamenting, House Fire Chores, Alien Head Explosions, Bio-Dome Domestication, Dobby Drones, Non-Reclining and House Plant ParentingThis week Scott and Frank talk about Lamborghini Lamenting, House Fire Chores, Alien Head Explosions, Bio-Dome Domestication, Dobby Drones, Non-Reclining and House Plant Parenting...among other things...in their continued hope that Humanity Might Make It.
Humanity Might Make it is a fun and easy-going podcast created by two lifelong friends, Scott and Frank. Talking about all things under the sun...and trying to work out each week if humanity will make it...or not. They try to take the positive approach and really want to believe that...Humanity Might Make It!!
Send questions and answers and whatevs to Scott...2022-03-0857 min
Real Personal Finance139 - What's the Best Way to Become a Financial Planner?Scott and James discuss the best way to become a financial planner. Listener Question I was wondering if you could talk about the career path of a financial planner, more specifically a CFP who is an independent RIA. I am a college student studying finance looking to become a CFP, there seems to be many paths to take and it is a little confusing. Any tips on how to get valuable experience whether through summer internships or part time work in school? Planning Points Discussed Retirement Planning Utilizing Time Efficiently Capital Appreciation Purchasing Power...2022-02-1628 min
Real Personal Finance118 - How to Take Advantage of Tax Loss and Tax Gain HarvestingScott and James discuss how you can take advantage of tax loss and tax gain harvesting. Planning Points Discussed Retirement Planning Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps: 1:30 - Scott's eldest son scores a goal & James surfs! 2:42 - When Should I Start Saving / Investing? 4:10 - Tax Loss Harvesting 6:13 - Taking Advantage of Losses 6:26 - What is a Wash Sale? 8:41 - Capital Gains v. Ordinary Income 10:16 - Does Your Financial Advisor Ask For Your...2021-09-2218 min
Real Personal Finance043 - How to Align Your Money With LifeDescription Scott and James discuss how to align your money with life: Focus First on What is Most Essential to You Kinder's Three Questions LET'S CONNECT! James Facebook LinkedIn Website Scott Facebook Twitter Website ENJOY THE SHOW? Don’t miss an episode, subscribe via iTunes, Sticher, Spotify, or Google Play. Leave us a review on iTunes. Have a money question you want us to answer? Submit one here 2020-04-1520 min
Real Personal Finance009 - How to Align Your Money with Life?Description Scott and James discuss how to align your money with life: Focus First on What is Most Essential to You Kinder's Three Questions LET'S CONNECT! James Facebook LinkedIn Website Scott Facebook Twitter Website ENJOY THE SHOW? Don’t miss an episode, subscribe via iTunes, Sticher, Spotify, or Google Play. Leave us a review on iTunes. Have a money question you want us to answer? Submit one here 2019-08-2120 min