The Financial Philosophers
We're here to help YOU learn how to grow, protect and use your money! We seek to empower You with the knowledge to apply specific financial strategies towards your ideal life, in connection with your deeply held values and goals. As professional financial planners with more than 10 years of experience, we embrace nuance and are willing to approach finance in unconventional ways. We strive to put thoughtfulness and intention behind every dollar we use and search for that perfect balance between planning for your future self and living in the moment. Chris is a CFP® professional, and Danny is a CFP® Candidate for Certification. We hope you enjoy the podcast, welcome your feedback, and can't wait to Philosophize these Finances! For the video version of this podcast, check out our YouTube channel: https://www.youtube.com/@financialphilosophers To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel. Patreon: patreon.com/TheFinancialPhilosophers
Episodes
Before you (or someone else) surrender that permanent life insurance policy for its cash value, listen to this conversation. In today's episode, Chris and Danny walk through the real alternatives people rarely talk about: keeping the death benefit while using the cash value as a flexible asset, reduced paid up (RPU) options, switching an IUL/VUL from a growing death benefit to a level death benefit, decreasing th...
In today's episode, Chris and Danny discuss the newly proposed 50-year mortgage and what it could mean for homeowners and the housing market. While a 50-year loan could lower monthly payments, it may not be worth the trade-offs, such as slower equity growth, higher lifetime interest costs, and greater resale and refinancing risks. Chris and Danny also examine the “perfect math” argument for investing the savings ...
In today's episode, Chris and Danny dig into the truth about tax deductions, what they are, why they matter, and how they can sometimes be overrated. Too often, people chase deductions without realizing they’re spending a dollar just to save a few cents. We share real-world examples, like the business owner who buys a new car every year “to beat the tax man,” and unpack why that strategy (or others similar to it)...
In today's episode, Chris and Danny focus on the core characteristics of every investment. From liquidity and guarantees to predictability and control, they break down how different assets behave on a fundamental level. No matter what type of assets you are considering, this episode will help you think more clearly about where and why you allocate your capital, before you ever worry about returns.
In today’s episode, Chris and Danny discuss the government shutdown, its potential impact on your finances, and practical steps you can take to navigate the situation. Don’t lose hope, as there are always solutions to explore!
Support the Show:
patreon.com/TheFinancialPhilosophers
If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www...
In today's episode, Chris and Danny discuss the importance of intentional spending and prioritizing quality over quantity. Much of financial planning focuses on being frugal, spending less, and saving more. However, it's equally important to remember that we live in the present and shouldn't ignore our deeply held life goals. Sometimes, this mindset can feel counterintuitive or seem at odds with our cur...
In today's episode, Chris and Danny discuss the current challenging vehicle market, and how one can better navigate the process of buying a car. Topics discussed include: current interest rates, vehicle prices, strategic down payment strategies, new vs. used vehicles, the influential psychology of car sales tactics, common pitfalls to be aware of, and many other nuanced factors to consider. This is an episode you...
In today’s episode, Chris and Danny discuss the new Tips Deduction that was introduced as part of the One Big Beautiful Bill Act. How does this new deduction work? What are the important rules to be aware of? What are the limitations? Does this new deduction make certain part-time jobs more attractive? This episode will answer these questions, and more!
In today’s episode, Chris and Danny finish their discussion around the new tax legislation (i.e., The One Big Beautiful Bill Act).
In this third episode, they unpack several additional key updates: changes made to student loans and borrowing restrictions, expansion of the 529 plan, changes to AMT, Section 168 Bonus Depreciation for business owners, and the increase and permanence of the estate & gift tax lifetime ...
In today’s episode, Chris and Danny continue their discussion around the new tax legislation (i.e., The One Big Beautiful Bill Act).
In this second episode, they unpack several additional key updates: the expansion of the QBI deduction, expansion of the child tax credit, increased contribution limits to child and dependent care FSAs, and important changes to the premium tax credit for health insurance premiums.
This e...
In today's episode, Chris and Danny begin a two-part series exploring what’s inside the new tax legislation (i.e., The One Big Beautiful Bill Act) that's been making headlines.
In this first episode, they unpack several key updates: the permanent extension of the TCJA tax brackets, a modest bump in the standard deduction, and notable changes to itemized deductions—including a higher SALT cap, newly deductible...
In this episode, Chris and Danny sit down with Shawn Surmick, founder of Reserved Investments, for an insightful deep dive into the world of collectible investing. From vintage toys, graded video games, and LEGO sets to rare coins and fine art, Shawn breaks down the unique challenges and opportunities in this highly speculative market.
You'll learn how valuation in collectibles differs dramatically from traditiona...
Support the Show:
patreon.com/TheFinancialPhilosophers
If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers
To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel.
---------------------------------------------------------------...
Support the Show:
patreon.com/TheFinancialPhilosophers
If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers
To contact us for Interviews or Business Inquiries, please refer to the About page of our Youtube channel.
---------------------------------------------------------------...
In today’s episode, Chris and Danny dive into the complex decision of when to claim your Social Security benefits. Should you claim early, or is it better to wait? What are the financial implications of each choice, and how do they impact your long-term retirement plans? Many people make this once-in-a-lifetime decision without fully understanding all the pros and cons. Whether you’re nearing retirement or helping you...
In this episode, Chris and Danny dive into the complexities of buying and selling small, closely-held family businesses. The pursuit of personal gain often leads both buyers and sellers down paths that result in less-than-ideal outcomes. One of the biggest hurdles? Accurately valuing a small business and selecting the right buyer—or inheritor—who will carry it forward. Drawing on their experience, Chris and Danny shar...
In today's episode, Chris and Danny discuss the pros, cons, and important nuances around buying individual stocks. Many people love to buy stocks in the companies they know and love. However, most people don't understand what they actually own, why they own it, and the risks involved with doing so. If you are someone who is interested in buying individual stocks, today's episode is for you!
In today's episode, Chris and Danny answer an important question from one of their listeners about what kind of returns we should expect in the market. Many people are left wondering where their extra dollars should go. Should you invest it? Should you put it in a savings account? At times, it can be a tough question. Chris and Danny explore the concept of "safe and predictable returns" in contrast to &...
Let's talk about Tariffs. What are they, how might they affect us, and what steps can we take to prepare for them?
Support the Show:
patreon.com/TheFinancialPhilosophers
If you would prefer the video version of this podcast, join us on our YouTube channel over at
https://www.youtube.com/@financialphilosophers
To contact us for Interviews or Business Inquiries, please ...
In today's episode, Chris and Danny talk about the culture around the phrase "this is not advice." This phrase is used everywhere, and it often leaves the general public confused and frustrated. Chris and Danny peel back the curtains and talk candidly about the culture of compliance in financial planning, where the phrase "this is not advice" comes from, and the benefits and detriments of usin...
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