Last summer, something monumental happened. One of Uncuffed's founding producers, Greg Eskridge, came home after more than 30 years in prison. In this episode we’ll bring you back to that emotional day last summer when he walked out of the San Quentin gates, free at last. Our work in prisons is supported by the California Arts Council, the California Department of Corrections and Rehabilitation, independent foundations, and donations from listeners like you. Learn more, sign up for Uncuffed news, and support the program at www.weareuncuffed.org Follow us @WeAreUncuffed on Instagram and Facebook Transcripts are available within a week of the episode coming out at www.kalw.org/podcast/uncuffed…
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محتوای ارائه شده توسط Michael Schulte. تمام محتوای پادکست شامل قسمت‌ها، گرافیک‌ها و توضیحات پادکست مستقیماً توسط Michael Schulte یا شریک پلتفرم پادکست آن‌ها آپلود و ارائه می‌شوند. اگر فکر می‌کنید شخصی بدون اجازه شما از اثر دارای حق نسخه‌برداری شما استفاده می‌کند، می‌توانید روندی که در اینجا شرح داده شده است را دنبال کنید.https://fa.player.fm/legal
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Caffeine And Cash Flow with Michael Schulte
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محتوای ارائه شده توسط Michael Schulte. تمام محتوای پادکست شامل قسمت‌ها، گرافیک‌ها و توضیحات پادکست مستقیماً توسط Michael Schulte یا شریک پلتفرم پادکست آن‌ها آپلود و ارائه می‌شوند. اگر فکر می‌کنید شخصی بدون اجازه شما از اثر دارای حق نسخه‌برداری شما استفاده می‌کند، می‌توانید روندی که در اینجا شرح داده شده است را دنبال کنید.https://fa.player.fm/legal
Welcome to the Caffeine & Cash Flow Podcast with Financial Advisor Michael Schulte of WestPac Wealth Partners. Are taxes, market volatility, inflation and other risks draining YOUR energy and YOUR portfolio? If you need need help planning how to tackle these financial headwinds, then this is the show for you! New episodes bi-weekly. Visit our website for show notes, resources, more information and to contact Michael at CaffeineCashFlow.com. Or call 702-767-4897.
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محتوای ارائه شده توسط Michael Schulte. تمام محتوای پادکست شامل قسمت‌ها، گرافیک‌ها و توضیحات پادکست مستقیماً توسط Michael Schulte یا شریک پلتفرم پادکست آن‌ها آپلود و ارائه می‌شوند. اگر فکر می‌کنید شخصی بدون اجازه شما از اثر دارای حق نسخه‌برداری شما استفاده می‌کند، می‌توانید روندی که در اینجا شرح داده شده است را دنبال کنید.https://fa.player.fm/legal
Welcome to the Caffeine & Cash Flow Podcast with Financial Advisor Michael Schulte of WestPac Wealth Partners. Are taxes, market volatility, inflation and other risks draining YOUR energy and YOUR portfolio? If you need need help planning how to tackle these financial headwinds, then this is the show for you! New episodes bi-weekly. Visit our website for show notes, resources, more information and to contact Michael at CaffeineCashFlow.com. Or call 702-767-4897.
…
continue reading
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Today we’re going to piggyback of our conversation in the last episode by focusing in on recency bias and show you how the concept plays itself out among investors. As Michael will explain, recency bias is the tendency to give more weight to the most recent information when making decisions, which can often lead to skewed perceptions and poor financial choices. Here’s some of what we discuss in this episode: A look at the numbers from stock returns since 1928. Treasury bill rates are indicative of what you could be receiving inside money market accounts. We're almost right at historical averages for mortgage rates going back to 1964. How we build investment strategies with these biases in mind. See the graphs referenced in this show: Mortgage Rates: https://caffeinecashflow.com/wp-content/uploads/2025/01/Mortgage-Rates-since-1964-LBS.pdf Treasury Bills: https://caffeinecashflow.com/wp-content/uploads/2025/01/Treasury-Bills-historical-rates-LBS.pdf Large Company Stocks: https://caffeinecashflow.com/wp-content/uploads/2025/01/Large-Company-Stocks-LBS.pdf Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
As we begin a new year, it’s helpful to reflect on our financial habits and the biases that may influence them. By understanding and mitigating these biases, we can make more informed decisions and set ourselves up for greater financial success. In this episode, Michael will highlight the most common cognitive biases that he sees in people, which is a topic that could reshape how you approach your financial decisions. Here’s some of what we discuss in this episode: Why biases play a huge role in what we do with finances and there are actually 175 cognitive biases. The fear of missing out bias is amplified by social media. Herding bias is the phenomenon where you blindly follow what others are doing. Confirmation bias involves only being able to see information that supports our current position and beliefs. Being open to uncertainty can improve our life. Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
In this festive episode of Caffeine and Cash Flow, Michael guides you through the 12 Days of Financial Wellness. Discover essential tips on managing assets, liabilities, protection, and cash flow as you prepare your balance sheet for the new year. Whether you're planning for personal property, savings, investments, or understanding liabilities, this episode provides practical advice to enhance your financial health. Here’s some of what we discuss in this episode: Protecting your balance sheet. The different categories of assets. How to view different types of debt and other liabilities. Understanding your cash flow and how to use that for retirement planning. Check out the sample balance sheet here: https://caffeinecashflow.com/wp-content/uploads/2024/12/LBS-sample-client-dashboard-2024.pdf Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
As we approach the new year, it's essential to stay informed about the financial changes that could impact your retirement planning. The latest episode of the Caffeine and Cash Flow podcast will provide you with updates for 2025, focusing on pension and retirement plan contribution limits. Here’s some of what we discuss in this episode: The maximum amounts you can put into different types of IRAs. Should you be maxing out the catch-up contributions? Something that’s brand new for 2025. Social Security COLA increase and other changes to benefits. The gift tax exclusion is going up as well. Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
We’ll continue with part two of our conversation on how the economy has grown under previous presidential administrations. In the previous episode, we discussed some of the more recent administrations, but this time we’ll go back deeper into history and take a good look at older data. Here’s some of what we discuss in this episode: How inflation factors into growth for certain asset classes. How WWII tied into the economic recovery out of the Great Depression. Stock markets generally stayed strong during the Depression and through the war. Building a portfolio that’s resistant to politics. Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
With the election behind us, we now know that former President Trump will have another four years in the White House. While that could mean policy shifts in all sorts of areas, we want to focus on how it may impact the economy so Michael will take a deep dive into the data on different economic growth factors, and what the numbers have looked like under both Republican and Democratic administrations over the years. In part one of this two-part conversation, we’ll break down how the stock market and the economy are not necessarily the same thing, and how they don’t always go hand in hand. We’ll also discuss how the stock market has grown substantially over the last 97 years across many administrations of both parties. Then, we’ll get into specific growth numbers and what exactly they mean. Here’s some of what we discuss in this episode: The stock market and the economy are not the same thing, and they’re not always hand in hand. The shocking growth of the stock market over the last 97 years. The role of risk and how it can impact expected returns. How different growth metrics have done across different Presidential administrations. Even when the market is a whole is doing well or poorly, there will still be differences in different sectors. Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
When it comes to planning for retirement, there's no shortage of advice out there. Unfortunately, much of it can be misleading or only half-true. That can be a problem for investors because they end up following guidance that doesn’t apply to their situation. Today we continue our two-part discussion on these potentially misleading statements by shedding light on some of the most common retirement half-truths and explain why they might not tell the whole story. Here’s what we discuss in this episode: Half-truth #6: You should withdraw 4% annually from your retirement savings. Half-truth #7: Saving just enough to match your employer’s 401(k) contribution is sufficient. Half-truth #8: You don’t need a retirement plan if you plan to work throughout retirement. Half-truth #9: Medicare will take care of all your healthcare needs after retirement. Half-truth #10: Social Security will cover your basic expenses in retirement. Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
We hear a lot of half-truths in the financial world, not necessarily because people try to make misleading statements, but because sometimes a simple statement just doesn’t quite tell the whole story. Join us for part one of this discussion as we cover common misconceptions about market losses, portfolio fees, mortgage interest, diversification, and bonds. We’ll provide insights on why these half-truths can be misleading and how to navigate them for better financial planning. Here’s what we discuss in this episode: Half-truth #1: The market always goes up in the long run, so don’t worry about individual losses. Half-truth #2: The fees in your portfolio are less than 1 percent. Half-truth #3: If you have a low interest mortgage, you’re better off investing than paying off the house early. Half-truth #4: Diversification is THE key to investing. Half-truth #5: Bonds will significantly reduce the risk in your portfolio. Data referenced in this article: https://interactfa.com/the-index-matrix-app/ https://www.upmyinterest.com/bloomberg-us-aggregate-bonds/ Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
Paying for college has become increasingly harder with rising costs. Starting early for your child's or grandchild's education can make a big difference and reduce the need for excessive borrowing later. In this two-part series, we’ll cover the key aspects of college financial planning from both the parent and grandparent perspectives. Part one broke down the costs associated with college, how much they’ve risen, and how to determine if the value is worth it over time. Now we’re focused on the strategies for saving money to cover rising tuition costs, determining who should pay for college, and the various tools available for funding education. Here’s some of what we discuss in this episode: How much and how early should you be saving? What are the best savings vehicles or accounts for college savings? Should you risk your own retirement to help fund your child’s education? Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
Paying for college has become increasingly harder with rising costs. Starting early for your child's or grandchild's education can make a big difference and reduce the need for excessive borrowing later. In this two-part series, we’ll cover the key aspects of college financial planning from both the parent and grandparent perspectives. From understanding the true purpose of college to comparing the opportunity costs and exploring various saving methods, this first episode is packed with practical advice to help you plan effectively for one of life's biggest expenses. We’ll break down how the costs have risen significantly over time and whether it’s truly worth the price at many schools. Here’s some of what we discuss in this episode: Details on tuition costs at different public and private schools and how much that’s changed over the past few decades. The purpose of college is to increase your future earnings but at what cost? The importance of strategic planning when it’s time to make your decision. To learn more about the cost of college, visit this link: https://educationdata.org/average-cost-of-college-by-year#:~:text=In%201999%2D2000%2C%20tuition%20at,schools%2C%20from%20%244%2C975%20to%20%248%2C274. Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
In any sport, it is often the smallest, most consistent actions that make the biggest difference. In today’s episode, Michael shares insights from his experience coaching youth baseball to show that this philosophy is just as important in financial planning as it is on the field. Listen in as he shares 15 “little things” that everyone should focus on in their finances to achieve winning personal finance. Here’s some of what we discuss in this episode: Do you have a clear understanding of what portion of your assets and income are protected from lawsuits? Do you know what percentage of your income you are currently saving and investing for the future? Do you understand when and how you can access the money inside your retirement account? Do you know how to measure the risk inside your investments and retirement accounts? Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
Are you ready to take your financial planning to the next level? In this episode of Caffeine and Cash Flow, Michael and Ben explore the timeless wisdom of legendary coach, John Wooden. Wooden's Pyramid of Success has guided countless individuals to greatness, both on and off the court, and has some powerful takeaways for your everyday life and financial planning. Here’s some of what we discuss in this episode: A little background on John Wooden’s career at UCLA + his definition of success The foundational concepts of hard work, camaraderie, respect, loyalty, cooperation, and enthusiasm How self-control, alertness, initiative, and perseverance contribute to leadership and success Continuous skill development, humility in learning, and fostering team spirit Maintaining poise through any event, building genuine confidence, and aiming for competitive greatness John Wooden's Pyramid of Success: https://www.thewoodeneffect.com/pyramid-of-success/ Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
When it comes to investing, the term 'diversification' is often tossed around, but what does it truly mean to diversify your portfolio? Is it as easy as sticking to the S&P 500 index the to achieve wealth management success? In this episode, we’ll answers these questions and dive into the latest returns by asset class to help you better understand what diversification truly means. Here’s some of what we discuss in this episode: Does owning the S&P500 make you diversified? Not really. A look through last year’s returns by asset class along with historical returns. The need for constant evaluation and just consistent checkup on your portfolio. Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
Each generation is currently navigating a unique part of the retirement planning experience. With many Baby Boomers preparing for the transition into retirement and Generation X close behind, these two generations are asking a handful of financial planning questions. In today’s episode, we’ll share insights into the unique concerns that echo across different age groups. These are the retirement questions that each generation is asking. We’ll continue the conversation on our next episode as we talk about the younger generations and the questions they need to be asking. Here’s some of what we discuss in this episode: How do I manage the risks of market volatility as I approach retirement? What steps can I take to address rising healthcare costs in my retirement plan? Should I consider downsizing or relocating in retirement? How much do I need to have saved to actually retire? Should I pay off my mortgage before retiring Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
Have you ever considered how you’ll safeguard your financial legacy for the next generation? Today we want to dive into some of the technical aspects of estate planning and the crucial role it plays in retirement strategy. Estate planning can be as complex as it is important, but Michael will demystify the process, providing clarity on how to shield your legacy and make sure your assets flow smoothly to your heirs. Here’s some of what we discuss in this episode: What are the main things you want to protect against when creating a trust? How to avoid probate court, which can be a long and expensive process. Why most people we work with benefit from a revocable trust. Tax strategies to consider to protect as much of your estate as you can. Learn more: https://caffeinecashflow.com/ Get in touch with Michael- Web: https://www.westpacwealth.com/team/michael-schulte Email: michael.schulte@westpacwealth.com Phone: 702-767-4897…
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