Don't Retire...Graduate!

Welcome to Don’t Retire… Graduate!—the podcast that’s here to challenge the way you think about retirement. I’m your host, Eric Brotman, Certified Financial Planner Practitioner, and I’m excited to guide you in transforming retirement from a final destination into a new beginning—a graduation into the next great chapter of your life. Retirement isn’t just about stepping away from a career; it’s about stepping into a life that’s filled with purpose, joy, and fulfillment. Whether you’re counting down the days to retirement or just starting to plan, we’re here to help you not just survive, but thrive in your post-career years. In every episode, we’ll explore how you can make the most of this exciting time by setting new goals, pursuing passions that light you up, and building a legacy that truly reflects who you are. You’ll hear from award-winning authors, financial experts, influencers, and everyday people with inspiring stories. Together, we’ll uncover strategies for achieving financial independence, managing your wealth, and making decisions that support your dreams. We’ll cover everything from personal finance and investing to retirement readiness, taxes, and more. And it’s not just about the money—we’ll dive deep into the emotional and psychological aspects of retirement too. How do you maintain your mental and physical health, nurture relationships, and stay connected to your community? We’re here to help you design a lifestyle that keeps you engaged, curious, and excited about the future. And don’t forget to check out our bonus content every other week, where you’ll get to meet the incredible team of financial advisors at BFG Financial Advisors. We’ll share real stories from the frontlines of financial planning and give you insider tips on how to make your retirement dreams a reality. Retirement is not the absence of work—it’s the absence of needing to work. So, why not graduate into a life of purpose, passion, and financial freedom? Tune in to Don’t Retire… Graduate! and let’s make these years the best ones of your life. Subscribe now on your favorite podcast app and join us as we turn the page on traditional retirement and step into a life of limitless possibilities. I’m Eric Brotman—let’s get you graduated. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to a very special episode of Don't Retire... Graduate!: our finale. After five seasons, we're graduating from the podcast in order to take financial literacy education into a new format, with a new edition of the Don't Retire... Graduate! book releasing soon and our new financial wellness program taking off. Rounding out the show with a bang, we have Cara Macksoud of Money Habitudes here to talk about her journey from Wall Street trader to leading a company that helps people identify their financial biases and make positive changes in their habits. We'll explore the importance of being open-minded and empathetic towards clients with different attitudes and behaviors, as well as the gradual nature of habit change. Key takeaways: Financial security is important for a comfortable retirement transition. It involves having a certain level of income and assets to maintain a desired lifestyle. It's crucial to understand your money habits and attitudes, as they play a significant role in your financial decision-making. The Money Habitudes assessment helps individuals gauge where they fall along six domains and identify biases or areas for improvement. Money is relational and tied to associations such as family, culture, and community. Understanding the non-verbal messages and influences around money can help shape healthy money habits and attitudes. Giving and philanthropy can bring joy and satisfaction, and it's important to align your philanthropic efforts with your values and passions. Incorporating philanthropy into your financial plan can bring both status and personal fulfillment. Thank you to everyone who has supported this show over the last five years and allowed us to be part of your personal finance journey. Also, a special thank you to our executive producer Sara Lohse and our audio engineer Russ Riba for making this podcast happen. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Office Hours, Eric answers Noah's question: “What can you tell someone in their 20s who is already worried about not being able to retire in the future?” This is a lot of stress to put on yourself so early in your life and career, but there are a few pieces of advice that Eric can share for you. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Don’t Retire… Graduate! On today's episode, we're getting personal and bringing in a member of the BFG family. Financial advisor Cody Niedermeier recently got married and is sharing his experience and advice for handling financial conversations before and after saying "I do." Even as a financial advisor, it can be hard to handle conversations around money within a relationship. Cody talks about dropping a whopping $15 on her plastic engagement ring (on top of the diamond one, of course), how he proposed, and the plans they have for the future. Communication and transparency are key when it comes to financial planning for couples. It is important to have open conversations about joint accounts, bill payments, and beneficiary designations to ensure that both partners are on the same page and have a clear understanding of their financial goals. When planning a wedding, it is advisable to save for the engagement ring rather than borrowing money. Using a credit card to purchase the ring means that the spouse is essentially paying for it, leading to unnecessary debt. The cost of weddings can vary greatly. It is crucial for couples to financially plan for their wedding and manage expectations. By understanding their budget and prioritizing expenses, couples can prevent financial strain and focus on what matters most to them. Geography plays a significant role in financial and legal matters. Couples should ensure that their estate planning documents are done in the state they are living in, as state laws differ. It is also important to consider insurance policies and beneficiary designations, especially when moving between different states. The importance of comprehensive financial planning cannot be overstated. From consolidating old retirement accounts to adjusting employee benefits, couples should seek guidance from financial advisors to help them navigate this complex process. This includes finding professionals for tax planning, legal matters, and other important areas to ensure a solid financial foundation for their marriage. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Office Hours, Eric answers Olivia's question: “What advice would you give today that you wouldn't have expected to 10 years ago?” The advice does change over time, but with 30 years of experience as a financial advisor, it's clear that some of the basic fundamentals don't: paying yourself first and avoiding adverse debt. But economic conditions and products do change and there are things that we wouldn't have recommended a decade or even 5 years ago. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Don’t Retire… Graduate! On this episode we’re joined by Hassan Thomas, the creator of the FYI FLI (For Your Information Financial Literacy and Investing) app and host of the FYI FLI podcast.  He is here to share his story of beginning his entrepreneurial journey during a global recession, having to pivot a future after an injury, and growing a brand focused on teaching personal finance.  In this episode we’ll talk about: • Understanding your goals and finding someone who can help you achieve them is crucial. • Building a comfortable and goal-oriented working relationship with a coach is essential. • The internet has made information more accessible, allowing for self-education and learning new skills. • During times of economic uncertainty, having multiple income sources and financial literacy is important. • The current generation faces more financial challenges, with the need for multiple jobs and side hustles to support a family. • Financial education and applying knowledge can have an immediate and positive impact on personal finances. • Establishing an emergency fund (or peace of mind fund) in a high-yield savings account is an excellent starting point for financial stability. • Continual learning and progress in financial education can lead to life-changing opportunities and success. • Having a plan, taking action, and being prepared are key factors in progressing and achieving financial goals. • Understanding how recessions impact individuals and their finances is essential for making informed financial decisions. Visit dontretiregraduate.com for a full transcript of this episode. About Hassan Thomas: Hassan R. Thomas: the new face of emerging FinTech and the Founder of a new APP called FYI FLI (For Your Information, Financial Literacy & Investing), and the CEO of HRT Enterprises LLC.  @ceosanni @fyifli Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Office Hours, Eric answers Charlotte's question: “What movie taught you the most about money?” Eric chose the movie The Ultimate Gift based on a book by Jim Stovall because of how it taught the value of money and how you can use it to make a difference. This is the opposite of one we often mention as more of a cautionary tale, which is Billy Madison. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Don’t Retire… Graduate! On this special 100th episode, we’re joined by Marika Stimac, a life coach dedicated to helping people improve their financial literacy and achieve their financial goals. Marika, who has written a book called "Keys to Financial Confidence: Unlock Your Best Life," shares valuable insights and actionable steps to create a positive financial legacy. Marika talks about the importance of bringing awareness to the impact of one's financial situation and shifting to a more positive mindset about money, highlighting that financial legacy is not just about leaving behind a large sum of money but also about the mindset and values that are passed down.  Join us to learn how you can be mindful about money and how your actions and words can influence others.  In this episode we’ll talk about: •Actions and words around money influence others in your life. •Shifting to a positive mindset about money can create a financial legacy. •Being mindful of how you handle money can potentially help others in their lives. •Financial legacy is not just about the amount of money one leaves behind, but also the mindset. •Leaving a financial legacy involves creating meaningful connections and thoughtful gestures. •Legacy is about leaving gifts of opportunity, experience, and influence for children, not just material possessions. •Mindset and habitual practices play a significant role in financial behaviors. •Identifying and understanding the origin of money stories can lead to healthier financial behaviors. •Overcoming money drama and reframing mindset is crucial for financial success. •Personalized investing aligned with your passions and goals can lead to meaningful financial growth. Visit dontretiregraduate.com for a full transcript of this episode. About Marika Stimac: I became a life coach with the intent of helping people unlock their best lives but quickly recognized how many people are held back by their financial insecurities. Now I am dedicated to empowering individuals to improve their financial literacy and feel confident in their ability to achieve their financial goals and live the life they desire. @thefinancialconfidencecoach  www.linkedin.com/in/marikastimac www.facebook.com/marikastimac www.pinterest.ca/thefinancialconfidencecoach/ www.thefinancialconfidencecoach.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Office Hours, Eric answers Oliver's question: “What should I know about finances before I buy my first home?” Well done for thinking ahead! There are so many costs that go into home ownership that are different from renting, like maintenance, taxes, and furnishing. Listen to what Eric thinks is important to know before you make the purchase. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Don’t Retire… Graduate! On this episode we’re joined by John Crane, a financial advisor and author of The One Number Budget.  In the episode, Eric and John share their dislike of traditional budgeting—which Eric less-than-affectionately calls the “B-word”—and go through John’s exercise of finding the “one number” you need for this new budgeting concept. In this episode we’ll talk about: •Budget shaming and why it’s harmful •Taking a lifetime approach to budgeting •What it means to find your number and how to do it •Importance of financially funded retirement •Avoiding financial vampires •Figuring out how to use accumulated wealth, create income, manage taxes, and avoid running out of money before running out of oxygen •The concept of human life value and why it matters •How Target has perfected the art of being a financial vampire and driving impulse purchases •spending for love and how it can hurt your finances •long term care insurance and how it can impact multigenerational planning About John Crane: Author, financial advisor, and retirement income planner John W. Crane has spent more than a decade providing personalized financial guidance to business professionals, corporate executives, and medical specialists, utilizing a comprehensive planning process to identify each client’s unique goals. He’s a member of the National Association of Insurance and Financial Advisors and has received top honors from the premier association of financial professionals, MDRT. A lifelong learner himself, John shares his expertise with students at hospitals and high schools throughout Washington, D.C. www.cranefinancial.com/ www.linkedin.com/in/johncrane/ Visit dontretiregraduate.com for a full transcript of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Office Hours, Eric answers Jake's question: "How can I open a Roth IRA for my child?” This is a great question and a great way to set your kids up for success, but you need to understand how they work and how to use them. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Don’t Retire… Graduate! On this episode, Eric Brotman chats with financial industry veteran Troy Holt about the importance of financial literacy and shares some key strategies for managing your personal finances.  Troy is passionate about financial literacy and explains how a job in finance can provide both community impact and personal satisfaction beyond merely making money. He is here to walk us through the seven money milestones he and his team have identified in the financial planning journey, starting with financial education and leading to building and protecting wealth. Listen now for tips on cutting expenses, generating income through multiple streams, and protecting wealth with proper insurance coverage and investment in income-producing assets.  In this episode we’ll talk about: • The importance of financial education  • The areas in our finances where most people are not protected, including life insurance and disability insurance • Rules of thumb for emergency funds and managing debt • Cash flow and how to begin building wealth • Investing in income-producing assets and creating multiple income streams • Avoiding one-size-fits-all financial advice and finding an advisor that can act as a copilot  Visit dontretiregraduate.com for a full transcript of this episode. About Troy Holt: Troy Holt is a skilled sales and account executive with over 20 years of experience in business growth, development and financial planning. As a Certified Financial Educator & Registered Financial Consultant, Troy is licensed in 20 states and is an independent coach, speaker, and trainer. He is well-versed in communication, leadership, and work ethic, and has a proven track record of success in his endeavors. He is the co-author of an Amazon Best Seller book and host of the Troy Talks podcast, where he shares his expertise and personal stories to inspire others. Troy is also the CEO (Chief Encouragement Officer) of Troy Holt Consulting LLC, a growing financial consulting company focused on empowering and educating individuals and small business owners on wealth accumulation, preservation, and debt elimination. Troy is an engaging and motivating speaker, mentor, and Independent Coach, Speaker, and Trainer with The John Maxwell Company, who has made it a personal mission to eliminate financial illiteracy, particularly in the African American community with a focus on black women. Troy is a 33-year member of the same church, serving in ministry for 29 years and as a Licensed Elder with the Pentecostal Assemblies of the World for 26 years. He currently resides in Pensacola, FL with his wife of 31 years, one adult son, and three grandchildren. Troy Holt's LinkedIn: https://bit.ly/3dru6pP Troy Holt's Instagram: https://bit.ly/3YEo9OZ Troy Holt's Twitter: https://bit.ly/33EMQ2W Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Office Hours, Eric answers Colby's question: “When should somebody start investing?” The short answer is as soon as you have money available to invest, but the conversation doesn't stop there. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Don’t Retire… Graduate! Today’s guest has used Airbnb to reach financial freedom early and is teaching others how to do the same. Zeona McIntyre is an author, realtor, investment consultant, and speaker who has been helping people house hack and build their portfolios of short and medium-term rentals for several years. She sat down with Eric to talk about how she has reached her financial goals, the lessons she has learned through experience, and how she has shaped her career to allow for her ideal lifestyle.  Listen to the conversation and then reach out to Zeona and tell her what it is that would make you happy. In this episode we’ll talk about: • How Zeona started with AirBNB when $50,000 in debt • Things that can go wrong when managing rental properties • Why you should install cameras in your rental properties (and what happened before Zeona learned that lesson) • The FIRE movement and how she got involved • Suze Orman and the traditional, slow retirement ideology  • How Zeona hit her retirement number within two years through real estate investing • Why real estate investing is not actually passive income  • Protecting yourself from liability as a property manager • Zeona’s succession plan • Acting despite fear  Visit dontretiregraduate.com for a full transcript of this episode. About Zeona McIntyre: Zeona McIntyre is an Author, Realtor, Investment Consultant, and Speaker. She has been an Airbnb host since 2012, and she now uses her decade of experience to help her clients House Hack and build portfolios of short & medium-term rentals. She is an avid Real Estate Investor owning a double-digit portfolio of furnished rentals across five states. She is the co-author of the BiggerPockets book "30 Day Stay. A Real Estate Investor's Guide to Mastering the Medium-term Rental''. Instagram: @zeonamcintyre Facebook: zeona.mcintyre YouTube: @ZeonaMTR Website: https://www.zeonamcintyre.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Office Hours, Eric answers Ava's question: “How much does money matter in a relationship?” This is a multifaceted question with different types of relationships, but in all types, it is necessary to have communication, transparency, and honesty. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Don’t Retire… Graduate! This is an episode unlike any we’ve done before. Our guest is Rachael Schlimmer, a nomad who is traveling more often than she isn’t but is ready to start putting down roots and planning out her future.  While we promised not to call this an intervention (or a séance for that matter), Rachael was at a crossroads and needed someone to interfere, if only to help her stop doubting herself. She and Eric sat down for what is almost a financial planning consultation to discuss her goals, explore opportunities for cash flow, and get her to the realization that what you think your life is supposed to look like is not necessarily what it should look like.  And, like many initial financial planning conversations, there was very little talk of money and a lot of talk of what she wants to be when she grows up. Listen now to go on this self-discovery journey with us. In this episode we’ll talk about: • Turning your passions and hobbies into your career • The career paths that allow for the nomadic lifestyle that Rachael loves • Redefining the idea of “home,” and finding home in the people you meet  • The skills you need (or don’t need) to make a living • Barbara Sloan’s book Tipped and the value it holds for those with less traditional income Visit dontretiregraduate.com for a full transcript of this episode. About Rachel Schlimmer: I've been semi-nomadic for the last 5-6 years, working for most of a year, travelling for 8-10 months. I'm working towards putting down some roots and building some stability, and part of that is upping my long-term finance game. Fortuitously met Eric over the bar top of a hotel restaurant I'm newly coffee slinging for, and here we are! Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Office Hours, Eric answers Matt's question: “How do you effectively balance among saving, retirement, and expenses?" There is no rule of thumb here, but we may be able to find a balance that works for you. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Don’t Retire… Graduate! We have two very special guests today, Julien and Kiersten Saunders. They are the hosts of the Rich and Regular podcast and Money on the Table video series and authors of their recently published book, “Cashing Out: Win the Wealth Game by Walking Away.”  The couple joins us to talk about how the finance game is rigged against minorities and how they built their wealth—and paid down mind-numbing debt—despite the challenges they faced. This is a powerful episode you won’t want to miss! In this episode we’ll talk about: • How not to start a relationship.  • Julien and Kiersten’s story and why they wrote their book the way they did. • The barriers and challenges that people of color face, particularly in finance. • Wage and income gaps and how they’re still prevalent.  • The history of slavery and share cropping and how they still impact us. • Choosing your boss wisely and finding one that advocates for you. • Paying yourself first and having courage to invest money. • Treating personal finance as financial hygiene.  • Becoming a connector and the value of community, both virtual and in person. • Paying off debt the way you chop down a tree. About Julien and Kiersten Saunders: Julien and Kiersten are authors of Cashing Out: Win the Wealth Game By Walking Away under Portfolio Books, an imprint of Penguin Random House. They are also the creative voices behind the blog richandregular.com, hosts/producers of the award-winning video series, Money on the Table, and hosts of the rich & REGULAR podcast.  https://richandregular.com  Visit dontretiregraduate.com for a full transcript of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Office Hours, Eric answers Madeline's question: “Should I stop contributing to my 401(k) to pay for my daughter's college now or should I take loans and continue to invest in my retirement?”  This a question many are facing, and there is no one perfect answer. However, retirement is the one thing you cannot borrow for so it's important to take care of yourself first financially before your children. Eric explains why. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Visit dontretiregraduate.com for a full transcript of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Don’t Retire… Graduate! Today’s guest is as young and scrappy as her brand. Michelle Waymire founded her financial planning practice to help the LGBTQ+ community make sense of their finances in an environment that is uniquely designed for them.  Her approach to financial planning means making your money work towards building a joyful, abundant, and giving life and she is here to share more about her story and how she is changing the industry to be less male, pale, and stale.  Listen to her abundance philosophy and start changing your mindset. If not, well, bless your heart. In this episode we’ll talk about: • Michelle launching a financial planning practice right before the pandemic took over the world • What it means to be a fiduciary  • How young clients don’t want their parents’ financial advisor and how important it is to have a multigenerational financial planning practice • How women in finance are seen as assistants and secretaries regardless of position  • A collaborative approach to financial advising  • The abundance mindset vs striving for wealth • Abundance as a means to an end instead of an end goal • How financial planning for the LGBTQ+ community is different  • Partnerships and collaborations that can help the LGBTQ+ community find a better financial advisor for them Visit dontretiregraduate.com for a full transcript of this episode. About Michelle Waymire: Michelle Waymire is a fiduciary financial advisor and financial coach, as well as the founder of Young & Scrappy, a specialty practice geared towards serving young professionals, artists/entrepreneurs, and LGBTQ+ folx. Michelle holds her Masters in Business Administration from the University of Tennessee, is a Chartered Financial Analyst (CFA) charterholder and CERTIFIED FINANCIAL PLANNER (tm) and has been quoted/featured in US News, Glamour, Bustle, local NPR, and many more. You can read about her work at www.youngandscrappy.com. Or check out The Young and Scrappy Instagram here: https://www.instagram.com/theyoungscrappy/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Office Hours, Eric answers Alicia's question: “Can money actually buy happiness?”  Over his 30-year career, Eric has seen people with more money than they could ever need who were miserable and some who were happy. The same can be said for those with more modest wealth. So what's the answer? Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Visit dontretiregraduate.com for a full transcript of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Don’t Retire… Graduate! Today’s guest is known in the financial media space as the Frugal Gay and that frugality paid off. Tom Brickman reached financial independence through real estate investing and currently has 22 doors in Ohio and Texas.  He is here to share his experiences, advice, and mistakes he has made so you don’t have to.   In this episode we’ll talk about: •How Tom retired in his 30s through real estate investing •Advice for someone who wants to start in real estate with one house •Liability as a landlord and setting up LLCs  •Setting up teams to handle maintenance for multiple homes •Using side hustles as financial safety blankets •The mindset shift that comes with financial freedom  •Other financial investments Tom uses to grow his portfolio  •The difference between income and wealth  •Starting with a budget and understanding where your money is going •Setting goals for real estate investing and how to get started Visit dontretiregraduate.com for a full transcript of this episode. About Tom Brickman: Tom Brickman 40, Married dog dad from Dallas TX. Recently retired from 9-5 to work on Real Estate (22 doors) a resale business and TheFrugalGay.com. Tom provides one on one coaching and covers financial literacy & real estate for building wealth. Resources: www.Thefrugalgay.com.com https://twitter.com/Thefrugalgay11 https://instagram.com/thefrugalgay11 https://brotmanmedia.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Office Hours, Eric answers James's question: “What do I do with my 401(k) when I change jobs?” There are several things to consider regarding your 401(k), including whether or not you've vested in the matched contributions and if you should move it somewhere else or leave it where it is. Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Don’t Retire… Graduate! Today’s guest is an advocate and educator for a community that is often left out of the traditional financial journey: service industry workers.  Barbara Sloan is the author of Tipped: The Life Changing Guide to Financial Freedom for Waitresses, Bartenders, Strippers, and All Other Service Industry Professionals. She went from homeless at age 15 to six figures of debt at 20 and worked every tipped position available as she navigated the world of personal finance. She is now a business owner and a financial coach that focuses on empowering those who don’t have access to traditional employee benefits or regular paychecks.  Her story and insights are truly valuable, so listen now!   In this episode we’ll talk about: • The unique financial circumstances faced by those in the tipped economy • How the traditional personal finance conversations exclude those who work for tips, like 401(k)s, HR departments, predictable incomes, and employee benefits  • How skills you develop in the service industry can translate into business  • The difference between financial advisors and investment advisors  • How to find financial literacy resources  • A debate on whether or not “budget” should be a bad word  • Understanding debt and the mindset behind it • Financial legitimacy for people who make their money in single dollars • Sorting out your “why” to move forward in your financial life  • The impact current government conversations could have on tipped workers  Visit dontretiregraduate.com for a full transcript of this episode. About Barbara Sloan: Barbara Sloan is the author of the book Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals. A homeless teen, who danced for dollars, and definitely did not graduate from college. She is now a personal finance expert and money coach that spent two decades working in every imaginable position in the Service Industry all over the country. In addition to owning and running a badass women owned Construction company in the heart of Manhattan, she helps Tipped workers achieve Financial Freedom, like she did. She is passionate about all of the amazing aspects of Tipped work and passionate about all of the terrible aspects of Tipped work. She lives in New York City with her wife of 10 years, an esteemed corporate finance exec, and together they are a couple of adorable money nerds who point out every dog they see.  www.tippedfinance.com  @tippedfinance on all socials Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Office Hours, Eric answers Olivia's question: “what should I do with my tax refund?” There are plenty of ways to answer this question: spend it, invest it, save it... But Eric's #1 piece of advice is not to have one at all. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours! Visit www.dontretiregraduate.com for a full transcript of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices