show episodes
 
Let's talk trading. Especially how to trade options for income. Whether you want to trade for a living, have a side hustle, or make extra monthly income from stocks, this is the place. We are here to help individual investors learn to trade options in a way that is simple, fun and profitable. The goal is to help you achieve Freedom. Financial freedom so you have no more worries about making ends meet and so you have more than enough for safety and security. Time Freedom so you can do what yo ...
 
Husband and wife financial gurus David and Cindy provide a refreshing view on personal finance with a side of humor. They also share offbeat current events and real-life experiences. The two hosts crack jokes while also diving into financial literacy and success. This podcast finds the perfect balance between having a laugh and getting down to business. Cindy has been a leader in the financial industry for the last 27 years. She is a registered professional and COO for a nationally recognize ...
 
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show series
 
This week David and Cindy conduct a Millennial money financial review with a married couple from Salt Lake City, Utah. Kyle (32) and Ashley (31) recently were married and have bought their first home. We discuss their choices around how much they deicded to spend on their house and the wedding. They differ from many of the Millennial credos which a…
 
For the personal finance tip of the week, David and Cindy explain the value of having organization with store purchase receipts. They explain the importance of understanding a retailer's return policy in order to get full credit, a store credit or if you may be outside of the return window where no money is received. Knowing this information can be…
 
For the financial topic David and Cindy discuss Millennial money around passive income streams, side hustles (gigs) and the F.I.R.E movement. Part two centers on Millennial budgeting and overall personal finance. There are many stereotypes and myths with this demographic and Cindy and David will review them to let everyone know that all us have a l…
 
For the personal finance tip of the week, David and Cindy explain the value of watching the unit pricing when buying products in the grocery store. If you are willing to purchase similar items that have better values and with more product to consume, it can create more disposable income in the monthly budget. By reducing cost and without additional…
 
In this episode David and Cindy discuss the third round of the stimulus checks and what it the best way to use the money with your budget. Some people are in dire straits and may use these funds diffrently than those that have managed the pay the bills. The key goal is to pay down debt especially when it comes to credit cards and if that is in chec…
 
No sex for you. That's right, I said it, no sex for you. Well, not for me anyway. Like that was ever gonna happen. But still, hey, passive traders, I've been reading a book called Your Next Five Moves. And it's a book about business strategy. So the author of the book is saying that a Grandmaster of chess, when they play chess, they can think 12-14…
 
For the personal finance tip of the week, David and Cindy explain why it is crucial to review your credit report and the impact it has on your monthly budget. Performing this exercise ensures that you can monitor hard inquiries, late payments, bankruptcy, collections and any references that may impact your credit score. This ultimately impacts what…
 
In this episode David and Cindy review the hit Netflix show Marriage or Mortgage. They break down the format of the show where the couples are given options for their big decision by from a real estate agent or a wedding planner. David and Cindy provide personal finance and budget tips that you can use in the event you are in this life situation. F…
 
For the personal finance tip of the week, David and Cindy explain why it is crucial to reconcile the monthly budget each month. Performing this exercise ensures that the products and services that you cancelled don't show up the next month. If they aren't removed, you keep paying. https://www.instagram.com/somm.podcast/ https://www.somethingonmymin…
 
Hey, passive traders. Howdy Ho, how's it going? Today I'm coming to you with a challenge. Yes, I'm actually going to challenge you, I had something I want you to do, or at least try because even if you try, it's gonna be better than not trying at all. And I believe that the word challenge has been watered down, you know, challenge used to be someth…
 
In this episode David and Cindy cover relationships and personal finance. When is the right time to talk about your credit cards, your debt, the budget, savings and reitrement? We give you tips on how to approach your partner with tough questions as money is commonly sighted as the number reason for divorce. For the story of the week, we stick to t…
 
For the personal finance tip of the week, David and Cindy provide tips on how save on your gas and electric bill and make a positive impact on your budget. https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.faceb…
 
In this episode David and Cindy cover the listener question of the week which is: My wife is leaving her job. Does she need have a retirement plan option with a new employer or can she open up a Roth IRA while maxing out her husband's 401(k)? In the topics section they cover the story of two girls who became friends at work; they had many similarit…
 
For the personal finance tip of the week, David and Cindy provide tips on how save on your medical procedures whether you have health insurance or not. By obtaining the medical procedure codes and working with your doctors, they are often willing to lower your budgetary costs. https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.ne…
 
Welcome back. Do you remember a song I don't know, when it came out? It was I think it was in the 60s or 70s or something and it goes something like one is the loneliest number one is the loneliest. Now I apologize for my singing. And I think I was off key. And I don't even think that's how the music goes. The melody goes to the song sounds probabl…
 
In this episode David and Cindy cover the budget and why it is critical to your success for a balanced life. If you don't budget, odds are you will not be able to retire unless you are forced to. They also cover the hidden piece in managing the budget by ensuring that every bill is transformed into a fixed amount just the like mortgage and the car …
 
For the personal finance tip of the week, David and Cindy reveal that the cost for owning cars including the payments, gasoline, insurance and maintenance can be the largest collective cost in the monthly budget. Part of this cost is for tires than can be $500 - $1,000 to repalce. One solution is to buy quality used tires online and the cost can of…
 
In this episode David and Cindy cover the 2021 tax filing season. They review whether it is more beneficial to choose the standard deduction or itemize deductions. They also review many of the common deductions that many tax filers qualify for. In addition, the goal is not to receive a tax return; the average refund is $3,000 and this money can be …
 
How to be a black belt spread master. Black belt. Hiya! Like karate, right? Black Belt, that's the best belt you can get. So how can you be a spread master with a black belt? Let's talk about that. First thing we got to do, though, is go over the disclaimer, of course, trading and falls risk. It's not suitable for everybody, you can lose money, you…
 
For the personal finance tip of the week, David and Cindy discuss how much money that you save by cutting back on buying coffee from a barista. It is possible that a family of four can spend up to $7,700 per year. Next they explain how much money can be accumulated by investing the savings and letting the compound interest grow. https://www.instagr…
 
In this episode David and Cindy discuss the details about how to allocate assets in your 401(k), Roth 401(k), 403(b) and 457(b) plans. They cover many types of mutual funds that invest in the stock market including large-cap, mid-cap, small-cap, international funds, value funds, balance funds, bond funds, and money market funds. They also cover the…
 
For the personal finance tip of the week, David and Cindy detail how to prevent Americans from wasting 40% of the food that they buy. In fact, the average household wastes $3,080 per year and investing that savings can add up to over $300,000 over a 30-year time span. https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https:…
 
Howdy, howdy, howdy, passive traders. This is Alan Sama, back with another episode of the Option Genius Podcast. First of all, I want to say thank you again, for listening, thank you for spending the time with me wonderful to be in your ear. And if you're one of our power listeners, I'm gonna talk to a fellow this week, Matt, who said he has listen…
 
In this episode David and Cindy discuss the details about having a 401(k) and Roth 401(k). Why you should have a 401(k), what is the best option, and when should you start saving. In the roundtable they discuss how ghosts appear to be knocing items off of stools and the the bar in the basementa long with stories around spilling things in public pla…
 
For the personal finance tip of the week, David and Cindy explain how to account for capital gains and losses from selling stock. Knowing this information has an impact on adjusted gross income (AGI) when filing taxes each year. https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkI…
 
Passive traders. Let me welcome you to 2021. One of the resolutions this year was that I was going to have a podcast episode every week. But this is the first episode of The New Year. And you are probably listening to this in February, which means I am behind, I apologize, I'm going to do my best to make it up and catch up and have at least one epi…
 
In this episode David and Cindy discuss GameStop’s astronomical rise in their stock price due to the people on Reddit's Wall Street Bets forum colluding together to drive the stock price up and squeeze the short sellers namely, Melvin Capital. We will explain how short selling works, why you should be careful with this type of stock betting and wha…
 
For the personal finance tip of the week, David and Cindy explain the rule of 72 which determines how long that it takes to double your money based on your desired rate of return. In additon, they explain the benefits of compound interest and how investing adds up over time to build a retirement nest egg. https://twitter.com/Somm_podcast https://ww…
 
In this episode David and Cindy discuss why a will is not enough to protect your estate and why a trust in most cases supersedes the will. This way, you can ensure that your investments and your assets are distributed to the people that you intended without conflict. In the roundtable David and Cindy discuss their lack of exercise and how the Mirro…
 
For the personal finance tip of the week, David and Cindy cover why hand washing your dishes uses more than four times the energy than many dishwashers. They provide the statistics on how to save on your budget, how to reduce water usage, as well as the positive impact on the environment. Lastly, you save up to 30 minutes a day by following a few s…
 
In this episode David and Cindy discuss the how you may qualify to get employer benefits for items such as sick leave, relocation benefits and namely health insurance. In the roundtable they discuss the picture that Cindy took of the ghosts in their home as well as objects falling off of shelves by their contractor. In offbeat stories section, firs…
 
For the personal finance tip of the week, David and Cindy cover the details around how surprisingly expensive candles are and what you can do to prolong the burning life of them to save money. https://twitter.com/Somm_podcast https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU…
 
In this episode David and Cindy start off the roundtable by discussing the how scrubby people are looking at the grocery store and how Cindy can cook a simple meal yet make the kitchen look like Thanksgiving just ended. In the financial topic they review the tiny house movement. People take this path has been on the rise due to the affordability an…
 
For the personal finance tip of the week, David and Cindy cover the details around private mortgage insurance or PMI. They explain how it is added to a mortgage, how it is calculated and how to remove it. https://twitter.com/Somm_podcast https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec…
 
In this episode David and Cindy start off with the roundtable and discuss Cindy's unusual gift that she received for Christmas and how she ultimately got what she wanted. In the personal finance topic they discuss the steps needed to obtain a credit card for your children and with proper management why it can be a great benefit in the adult years o…
 
For the personal finance tip of the week, David and Cindy cover the details around using the money in your flexible spending accounts (FSAs) for medical and dependent care before January 1st. https://twitter.com/Somm_podcast https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3…
 
In the roundtable David and Cindy discuss their white elephant experience and they analyze how funny people sound when they are drunk by playing audio at half speed. For the financial topics they discuss the pending stimulus checks, and they take a question of the week from a listener regarding deferred interest (or 0% credit cards). They have prom…
 
It's time to get real. This is gonna be the last episode of 2020. We're recording this in early December of 2020, we're going to get it out to the last week. And it's been quite a year. Definitely. And who knows what's gonna happen next year, we never expected all this stuff to happen this year. Hopefully, it's been a good year for you. It's been a…
 
For the personal finance tip of the week, David and Cindy cover the benefits of collecting gift bags, tissue paper, boxes, bows and anything else used in packaging gifts for people. When participating in this activity you alleviate the hassle of purchasing these items each year while saving money and reducing the environmental waste. https://twitte…
 
In this episode David and Cindy start off with the roundtable in which they discuss uncomfortable situations where people receive unwanted hugs as well as those that are "overhuggers." For the main topic they inteview Vinnie Fisher who is a three-time best selling author of entreprenuerial and business books. Vinnie also founded Fully Accountable, …
 
What gaps in your trading are you suffering from? Yeah, I said gaps in your trading, not trading gaps. Normally, a gap is something on a chart where the stock, you know, it makes a jump in it, there's a little hole there in the chart, I'm not talking about those type of gaps. I'm talking about the gaps that occur in how well you're trading. So let …
 
For the personal finance tip of the week, David and Cindy cover the average cost of eating out for lunch and provide ways for cutting back, and what you do with the savings. https://twitter.com/Somm_podcast https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw…
 
In this episode David and Cindy start off with the roundtable and discuss the inconveniences of when people show up early for parties and those who show up extremely late. In the financial topic they discuss things that you can do to finish your budgeting and investing off for the year. This includes retirement planning including IRAs, Roth IRAs an…
 
Check this out: High Probability Trading LIVE Hey, passive traders, how's it going today? Listen, we're thinking about doing a two-day live event. Not sure yet if it's going to happen or not, but the information is at optiongenius.com/live. If you want to be on the announcement list, just go ahead and go to that website and put in your email and yo…
 
In this episode David and Cindy discuss how to manage your holiday budget so that you can avoid building up credit card interest. In addition, they discuss the real art of meaningful gift giving, cost effective ways to give to a charity and the white elephant gift event. In the roundtable, they discuss a past encounter where they followed a drunk d…
 
I'm thinking about doing a two day live virtual event, we can get together right now because of the current situation. So I was thinking we could do it online and open it up to everybody. The idea is to have two days of content, and collaboration and trading and just talking and sharing a lot of ideas, information and having dialogue back and forth…
 
In this episode David and Cindy discuss pet insurance. They analyze how it works and what you need to consider before choosing to pay for coverage. In addition, they discuss the need for owners to factor in pet insurance into their budget. In the roundtable they discuss how their son chooses to pay for parking tickets at college which is still chea…
 
In this episode, Kori takes over the podcast to share the results of her first ever trade and the results. Hi, traders. It's Cory today, for those of you who don't know me, I'm the customer satisfaction manager here at option genius. I handle everything related to well, you guys from customer service, incoming coaching students. I'm talking to you …
 
In this episode David and Cindy take a question from a listener who asks . . . Is there a standard ratio on how to allocate savings? I do not know how to decide how much to put into my retirement account versus my taxable investments, vs. CDs/High-yield savings, etc. So, David and Cindy break down each scenario and provide guidance for the best way…
 
In this episode David and Cindy discuss how to save money on products that you buy while at the same time helping the environment. The goal is to purchase items that reduce waste (mainly plastic and single use items) and this can be done by replacing your current products at a lower cost to your budget. They also pay tribute to our veterans and hig…
 
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