5 Money Questions You're Not Asking (But Should Be)
Money for Life with Eric Roberge, CFP
Release Date: 12/15/2025
Stop Tax Surprises: 5 Tax-Smart Moves for High Income Earners to Reduce Tax Liability
Money for Life with Eric Roberge, CFP
Looking for legal ways to reduce your tax bill before you're caught off guard again next spring? In this classic Money for Life episode, hosts Eric and Kali break down five tax reduction strategies for high earners. These 5 money moves are all designed to lower what you owe the IRS. By being proactive and strategic, you can lower your tax burden and avoid unpleasant surprise tax bills next year We talk through: How to use a securities-backed line of credit against your brokerage or bank account to access cash without triggering capital gains from selling investments How to treat your HSA like...
info_outline
Trump Accounts for Kids: What High-Earning Parents Need to Know About Section 530A Accounts
Money for Life with Eric Roberge, CFP
Trump accounts for kids (officially called Section 530A accounts) landed on our radar the moment the One Big Beautiful Bill Act introduced them in 2025, complete with a headline-grabbing $1,000 government deposit for eligible children. But is the hype matched by the substance? Should families use these accounts or steer clear? In this episode of Money For Life, we provide our take and break down all the details of how these new kids' retirement accounts work: the $5,000 annual contribution limit, the narrow menu of low-cost U.S. index funds you're allowed to hold, the two custodians (BNY...
info_outline
The Inside Track on Becoming a Landlord: Understanding Property Management with Peter Cook
Money for Life with Eric Roberge, CFP
Want to get rich and earn passive income? Invest in real estate, baby! Only, it’s not that simple, and today’s expert guest has a truly inside track to explain why. Today on the show, Annapolis Property Management founder Peter Cook joins us to explain what high-income earners need to understand before they wade into the waters of real estate investing and rental property management. Peter has spent 25 years in property management, and in this episode, he and Eric dig into a real, unfiltered breakdown of what it means to be a landlord. Not the theoretical version from a book or a...
info_outline
Raising Financially Healthy Kids: How to Help Kids Manage Finances with Productive Money Mindsets
Money for Life with Eric Roberge, CFP
If you're a high-income earner who grew up with far less than you have today, you’ve probably thought about how much different your own children have it than you did as a kid. Do you ever wonder how to raise money-smart kids that don’t take dollars for granted? Or wish you could talk to someone about how to enjoy all you’ve worked hard to have - without creating a family of spoiled kids who don’t appreciate how good they have it? Today’s conversation is for you. In this episode of Money For Life, we get personal about one of the trickiest challenges facing financially successful...
info_outline
Get Your Time Back: How High-Earning Families Can Reclaim Their Time With a House Manager featuring Kelly Hubbell of Sage Haus
Money for Life with Eric Roberge, CFP
You've optimized your career. You've built the income. You have a wonderful family you love, a home you worked hard for - and a completely unmanageable workload that leaves you with zero time, energy, or mental bandwidth. Sound familiar? For most dual-income households, there's a second full-time job hiding in plain sight outside of a demanding work career that eats up at least 25 hours per week beyond the time you spend in the office. Between all the grocery runs, meal prep, Amazon returns, laundry, school pickups, the random appointment you forgot to reschedule - oh, and coordinating the...
info_outline
Investing at the End of the World: Dealing with Your Personal Portfolio Amid Geopolitical Tension, Questionable Job Markets, and Ongoing Market Volatility
Money for Life with Eric Roberge, CFP
If uncertainty has you feeling anxious and itchy to do something, this episode will show you exactly where to channel that energy — and why the investors who come through periods like this the strongest are the ones who already have a plan in place. The stock market is bouncing around. The headlines are loud. There are literal wars to worry about. So if you've logged into your investment account recently and felt a knot in your stomach, you're not alone. In this episode of Money For Life, we cut through the noise to give you a clear-headed, data-backed look at what market volatility actually...
info_outline
Angel Investing: How to Bet on the Right Founders, Build Real Wealth, and Vote With Your Dollars with Jess Lynch and FoundersEdge
Money for Life with Eric Roberge, CFP
How do you start angel investing? Can anyone be an angel investor or is this a world reserved for Silicon Valley insiders and Shark Tank-esque business tycoons? Jess Lynch joins us to explain how $2,500 can be your entry ticket into the world of angel investing - and how to deploy those dollars wisely in a high-risk environment. Join us to get the exact frameworks Jess uses to find, vet, and back the founders most likely to win. In this episode, Eric asks Jess to pull back the curtain on the private markets and how average investors can start exploring opportunities within them. They give...
info_outline
What to Do With Your Money When You Change Jobs
Money for Life with Eric Roberge, CFP
Most people accept a new job offer thinking about salary and title. What they don't think about: the potential financial gaps that could trip you up in the process of changing jobs or making a career pivot (even if you accepted a job with more starting salary). Eric and Kali break down everything that is likely to shift with your finances when you change jobs. They cover what often goes wrong that most people never consider, including: The tricky tax trap if you put your new 401(k) on autopilot and don’t calculate what you’re actually allowed to contribute for the year - because whatever...
info_outline
Proactively Improving Your Health and Wealth: Creating Longevity in Your Life with Lyv Health's Andrea Corleto and Jenn Arnold
Money for Life with Eric Roberge, CFP
Andrea Corleto and Jenn Arnold, the co-founders of Lyv Health, sit down with Kali to explore the powerful parallels between financial planning and healthcare that supports longevity and sustainability. Andrea and Jenn share their personal and professional journeys that led them to create Lyv Health, including the financial challenges and opportunities they faced along their routes to entrepreneurship. Lyv Health is company focused on women's longevity and preventative medicine through data-driven diagnostics paired with personalized consultations. The conversation today digs into: Why women...
info_outline
The 5 Most Underrated Financial Strategies That Create Meaningful Change with Your Money
Money for Life with Eric Roberge, CFP
Think there's a secret financial strategy only the ultra-wealthy know about? It might not be that deep. In this episode, Kali and Eric break down why the best path to financial success isn't complicated. The truth is, it's just simple strategies done consistently. If there’s any trick, it’s this: simple doesn’t mean easy, and the reason more people aren’t rich is because it’s incredibly hard to actually execute these habits, frameworks, and systems year after year after year. But if you want to make a meaningful impact to your finances, then you don’t want to miss these five...
info_outlineWhat's your first money memory? How much are you ACTUALLY saving each year? Where do you have a hard time using your money?
These kinds of financial questions rarely come up in conversation, but they are critical to ask, consider, and consider what your answers mean for your money.
Discover how your earliest money memories (often from ages 3-7) are still running your financial decision-making today, why most people can't answer how much they're really saving, and how to build a money management system that works with your emotions instead of against them. Eric and Kali also share their own money memories and reveal what percentage of their income they save each year.
Whether you're struggling to spend, save, invest, or give, this episode will help you uncover the hidden beliefs and patterns influencing your financial life—and give you the clarity to make better decisions aligned with what truly matters to you.
KEY TAKEAWAYS
1. Early experiences around money shape your financial behavior throughout your life. Most people's money beliefs are formed between ages 3-7 and continue to unconsciously drive financial decisions decades later. Asking about your first money memory is a starting point to uncovering some deeper drivers that may influence the decisions you make without you realizing. It’s not about judging these memories or trying to change them. It’s simply about bringing awareness to them, so you can be more intentional (versus reactive or reflexive) with your choices moving forward.
2. Track your savings rate, not just dollars saved.
A lot of people ask “how much should I save?” Very few people know precisely how much they save every year and an even smaller amount calibrate that number to their income. By setting your target as a percentage of income versus dollar amount, you can keep your long-term goals on track and always relative to the money you made in a particular year.
3. Focus on what you can control.
Your savings rate is within your control; market returns are not. Consistent savers outperform those chasing investment "moonshots"
4. Build an intentional money management system.
Create objective processes and structures first, then layer in emotions as choices rather than letting emotions lead your decisions. We can’t let spreadsheet math dominate the decision-making, but we do need to get grounded in financial reality first. Having solid frameworks can help you play and provide room for error without derailing your entire plan.
5. The signal will always be subjective.
It’s good advice to “find the signal in the noise,” but the challenge is there are many valid signals. Which one to tune into? To determine the frequency that’s best for you, start by defining your values and priorities. That will help you narrow down the potential options to ones that actually align with what you’re trying to accomplish.
Ready to create, use, and enjoy money for life? Request a complimentary consultation with us at BYH and discover how to optimize your investments, reduce your tax burden, and grow your wealth: https://beyondyourhammock.com/schedule