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Episode 38 — Are You Making Emotionally Charged Financial Decisions?



Sometimes our emotions get in the way of making good financial decisions.

In this episode, Danielle Howard talks about a time when she made an emotionally charged decision to buy an expensive product and quickly regretted it. This is a candid conversation about our human tendency to make imprudent decisions when under emotional duress and how to recover. Be encouraged to make financial decisions that leave you feeling confident and satisfied.

In this episode, you’ll learn:

  • About the three Ps for making better financial decisions: ponder, process, and plan
  • Why no one is immune to making ill-advised financial decisions
  • Questions to ask yourself if you are prone to making emotional decisions
  • How to use your past to educate yourself for the future
  • Why Danielle is not recommending that you make financial decisions that are totally rational and logical
  • And more!

Listen in and learn how to make better financial decisions when emotions are running high.

Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8 Week E-Course | Email Danielle 

 


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Episode 37 — Protect Yourself and Your Loved Ones From Fraud — With Jason Gross



How are you protecting yourself and your aging loved ones from fraudulent behaviors? 

In today’s episode, Danielle Howard brings in a guest and friend Jason Gross, an examiner with the Colorado Division of Securities, to discuss how to keep yourself and the ones you love safe from financial fraud activities. And as you will soon find out, often the people who fall victim to fraud are the ones you’d least expect.

In this episode, you’ll learn:

  • Why so many people fall for financial fraud scams
  • Possible risk factors in your life that could make you vulnerable to scams
  • How to identify scams online, over the phone, or even in investments
  • What percentage of people over 60 years old have been financially exploited by a family member
  • And more!

Listen in and be awakened to how you can keep you and your family protected from fraud.

Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8-Week E-Course | Email Danielle | Colorado Division of Securities: (303) 894-2320 | Investor.gov | AARP ElderWatch: 1-800-222-4444, option 2 | Securities Helpline For Seniors: (844) 57-HELPS 

 


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Episode 36 — Putting Commitment-Making at the Center of Your Life



Every once in a while, you probably read a book that you can’t put it down. It grabs your heart and transports you to a different place. 

For Danielle Howard, that book was “The Second Mountain: The Quest for a Moral Life” by David Brooks. In this episode, Danielle takes inspiration from Brooks’s writing as she explores the commitments that define a life of meaning: to a spouse and family, to a vocation, to a philosophy or faith, and to a community. 

In this episode, you’ll learn:

  • About staying true to yourself by being mindful, intentional, and focused on what’s important in life
  • How to work toward interdependence 
  • What a Damon is and the benefits to finding yours early in life
  • And more!

Listen in and get inspired to take a leap, read a book, and put commitment-making at the center of your life.

Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8 Week E-Course | Email Danielle | The Second Mountain: The Quest for a Moral Life by David Brooks

 


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Episode 35 — Steps to Aging Well — With Tina Staley



We all want to age well, no question about it. But in our changing society, in which we’re living longer and redefining our existence in retirement, what does it mean to age well?

Today, Danielle Howard speaks with Tina Staley, a therapist, clinical researcher, and award-winning author. In a characteristically rich and passionate conversation, they explore the steps to aging well and leading a fulfilling fall season that you can be proud of.

In this episode, you’ll learn:

  • The three steps to aging well
  • How to focus on creating awareness around the aging process
  • How your behavioral choices can create positive change
  • Emerging grandmother programs to help not only the aging but also the youth
  • And more!

Tune in now and learn three steps to aging well and creating your fulfilling fall season.

Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8 Week E-Course | Email Danielle | Tina Staley


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Episode 34 — 4 Areas of Preparation for Your Life Season Transition



Your fall season of life will be very different than your summer season. As you prepare for the oncoming transition, there are several financial considerations to keep in mind.

Today, Danielle Howard uncovers four financial areas to look at when preparing for your fall season: longevity, lifestyle, liquidity, and legacy. Danielle explains why each area is important to consider and highlights how they each differ in the accumulation phase compared to the distribution phase.

In this episode, you’ll learn:

  • Examples of how the accumulation and distribution phases are different from each other
  • How managing risk differs as you progress into your fall season
  • The importance of knowing how much is enough
  • How to ensure that you have the proper tools for navigating life’s ups and downs
  • When to start preparing for your transition into rewirement
  • And more!

Listen now and learn how to use Danielle’s 4 L’s to better prepare for your transition into your fall season of life!

Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8 Week E-Course | Email Danielle


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Episode 33 — Mastering the Non-Financial Side of Your Fall Season — With Denis Wuestman



Through years of experience, Danielle Howard has learned that rewiring to something — not from something —makes a big difference in the transition into life’s fall season.

To help you transition into your fall season, Danielle enlists in the help of retirement and management coach, Denis Wuestman, co-founder of Retirement Wisdom. Today, Denis highlights the non-financial aspects that pre-retirees should consider while planning ahead for their next season of life.

In this episode, you’ll learn:

  • How retirement coaches help clients through their transition into the fall season
  • What the qualities of a good coach are
  • Who can benefit from retirement coaching
  • How financial planning complements retirement coaching
  • And more!

Tune in now and learn what to consider as you plan for the non-financial side of your fall season.

Resources:  DanielleHoward4u.com | WealthByDesign4u.com | Danielle’s 8 Week E-Course |
(970)-927-3909 |
Email Danielle | Retirement Wisdom


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Episode 32 — How to Find Motivation in Your Fall Season



What motivates you as you make financial decisions?

To help you better understand the “why” behind your money motivations, Danielle Howard explores different money motivators and how they can impact your mindset and spending decisions. Take note of these motivators and ensure that you’re being driven by your values as you progress into your fall season.

In this episode, you’ll learn:

  • The difference between intrinsic and extrinsic motivators
  • Why we should assess the messages from media and the financial industry with a critical eye
  • The importance of being driven by your own values
  • How cooperation around money can bring us closer together
  • Danielle’s story about her own motivations
  • And more!

Tune in now to learn what motivates you, so you can optimize your financial possibilities for your fall season!

Resources:  DanielleHoward4u.com | WealthByDesign4u.com | Danielle’s 8 Week E-Course | (970)-927-3909 | Email Danielle | Episode 14 – Spreading SDT in Your Golden Years | The Surprising Truth About What Motivates Us


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Episode 31 — Financial Umbilical Cord or Lifeline?



We all want our kids to thrive. But when you financially support an adult child, are you helping or hindering them?

Today, Danielle Howard shares tips on how to handle financial situations with your adult children. Focusing on the word “respect,” Danielle provides seven useful tips to help you decide whether you’re helping or hindering your adult children.

In this episode, you’ll learn:

  • The importance of having respect for not only your children but also yourself
  • The importance of helping yourself before others
  • The difference between providing for ego needs versus soul desires
  • Why struggle is necessary and failure is okay
  • The dangers of entitlement
  • And more!

Join Danielle now to learn seven tips for ensuring that you’re truly helping your adult children!

Resources:  DanielleHoward4u.com | WealthByDesign4u.com | Danielle’s 8 Week E-Course | (970)-927-3909 | Email Danielle | The Seven Stages of Money Maturity

 


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Episode 30 — What Could the Secure Act Bring to Your Financial Life? — Part 2



With all of the positive changes that new legislation can bring to our lives, it’s important to also consider the less appealing changes that can come with it.

After uncovering the new possibilities that the SECURE Act could offer us in part one of her mini-series, Danielle Howard is back with a critical eye to explore its potential downsides and discuss options for adjusting your financial decisions accordingly.

In this episode, you’ll learn:

  • What the elimination of stretch IRAs could mean for your legacy planning
  • About proposed changes to distribution rules and its tax implications
  • Strategic planning ideas to navigate some of these downsides
  • The importance of working with a fiduciary to make informed decisions based on your personal situation, values, and goals
  • How Danielle is walking the walk in finding her next best self
  • And more!

Listen now to learn more about the SECURE Act and the changes it may bring to your financial life!

Resources:  DanielleHoward4u.com | WealthByDesign4u.com | Danielle’s 8 Week E-Course | (970)-927-3909 | What Could the Secure Act Bring to Your Financial life — Part 1

 


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Episode 29 — What Could the SECURE Act Bring to Your Financial Life? — Part 1



Did you know there is a new piece of legislation called the SECURE Act that could possibly go into effect on December 31 of this year?

When it comes to our financial lives, Danielle Howard is all about keeping an open mind towards intentional opportunities to grow. To do so, it’s important to understand how changes in public policy can impact the decisions you need to make in your financial life. 

Today, Danielle helps you stay informed on what the SECURE Act could mean for you and your financial life by breaking down what it is and what changes it could bring to your fall season.

In this episode, you’ll learn:

  • What the SECURE Act is
  • How the change in contribution age limits may benefit those who are rewiring
  • How the Act will change defined contribution plans
  • New changes that could benefit small businesses
  • How the Act may allow for more flexibility in your savings options
  • Why it’s important for you to consider your own version of prosperity when considering these changes
  • And more!

Tune in to learn all about the SECURE Act and what its proposed changes could bring to your financial life as you head towards your fall season.

Resources:  DanielleHoward4u.com | WealthByDesign4u.com | Danielle’s 8 Week E-Course | (970)-927-3909