September 20, 2022 • 14 mins
Sahirenys Pierce joins today's podcast to complete a financial review for our listeners. As we are almost halfway through the year, she will discuss tips that will ensure we are on track with our financial goals for 2022. She suggests conversations to have with your financial advisor and what you should look at to protect your wealth. Be sure to listen up!
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Guest IG: @poisedfinancelifestyle
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Episode Transcript
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Speaker 1 (00:00):
Hey money movers, welcome back to money moves, the daily
podcast determined to give you the keys to the Kingdom
of financial stability, wealth and abundance. Hey money movers, welcome
to another episode of ask me anything with Syrense Pierce.
(00:23):
Cyrenise is our financial educator. She's a creator of the
high five banking method and host of asked me anything
about money with Greenwood Studios. Money Movers, let's welcome back
to the podcast the Queen of answering financial questions, cyrenise pierce.
High syrenise. Hey, thank you, guys, so much for having
me back. Well, welcome back. You know, it's always a
(00:45):
pleasure to have you on the show, and today we're
talking about spring cleaning and deep diving into our financial budgets.
We are a couple of months into two and I
want to make sure that our money movers are doing
their semi annual financial checklists because, you know, as much
as we check in on our health, we need to
check in on our finances. So I want us to
(01:07):
all start the year off right. So tell me what
is the purpose of a Financial Review and our financial checklist? So,
when it comes to a financial review, this is something
this is the time of the of the year where
you're really gonna take a deep dive into your finances.
We're not gonna be so focused on your budget and
your expenses. We're gonna look into your investments, your investment strategies,
(01:29):
making sure you have your will in place. You know,
a lot of times you set a goal saying I'm
gonna Start My will this year, I'm gonna do my
estate plan, I'm going to open up that life insurance policy,
but we postpone it. So when you're doing your semi
annual review, we're like, Hey, where's that? You know, have
you opened up those accounts? Have you talked to your
spouse about these topics and making sure that you are
(01:52):
holding yourself accountable to the goals that you set six
months ago, and one of the best ways to do
that is to do the smaller reviews every quarter, you know,
review your budget, your expenses on a small basis, on
a small quarterly review, so that when you go talk
to your financial advisors, either in a semi annual annual basis,
(02:14):
you already know that you've been doing the maintenance necessary
for your finances to save more, invest more and really
hit those other financial goals that are going to benefit
not just you but your family and generations to move forward.
I love that. Goals, goals, goals. You know, I'm really
trying to be intentional in two about setting goals. So,
you know, the easy ones are like I'm going to
(02:35):
work out more, I'm not gonna eat so much cheese.
But this piece about what are my financial goals? And
I think that a lot of people, Um, you know,
especially when your income is pretty fixed, they don't actually
set goals. They're just like, well, I just make the
money I make and I'm going to try and save
as much as I can. But you know, the more
intentional people are with whatever tiny little goal and you know,
(02:59):
movement you can make towards achieving that goal, it's so
important and that's why I love this segment right now
because the Financial Review. Who we need it. We need
it Um. Okay, so you mentioned a financial advisor. What
type of questions should we ask a financial advisor when
we're doing this review? Some of the top questions that
(03:19):
you want to ask are the big hitting questions. You know,
it's not about saving five dollars here saving ten dollars there.
It's how can you save money like ten thousand, fifty thousand,
a hundred thousand. These are the type of questions you
want to be mentally prepared to ask your financial advisor.
This is gonna be with how they're getting paid, you know,
are they charging an annual fee or they charging one
(03:40):
person off your portfolio? Also your diversification, making sure that
you know the money that you are putting towards your retirement,
make sure you're maximizing it, make sure it's an investment.
Is that actually are, you know, helping you retire and
not having you, you know, sitting in bonds or in cash.
For a lot of people, they have their four oh
one case and they haven't even picked the investments. So
(04:00):
this is the time where you can talk to your
financial advisor and say, you know what, I want some
guidance when it comes to picking the investments in my
four o one k, the investments in my I R A,
you know, really thinking about the hard questions, you know,
and also considering if you're in the right investments. A
lot of times when you're looking at your investments, you know,
you see Index Fund here, Index Fund there, and it's
(04:21):
just it gets overwhelming, kind of goes over your head,
and this is where your financial advice is gonna say,
you know what, this is the correct index fund. It
has low fees and this little fee, it might be
like a few, like one percent, compared to zero point
one percent, and it might not seem like a big thing,
just moving the decimal, but that can actually end up
costing you hundreds of thousands of dollars. It's actually holding
(04:44):
you back from investing. This is why the annual Financial Review,
in the semi annual financial reviews where you start getting
into the nitty gritty of the things that are actually
gonna help you. You know, retire earlier, maximize your taxes.
That's a big one as well, and make sure you're
protecting your wealth, because, you know, we're working so hard
to make this money. Let's make sure we're protecting it.
(05:06):
We have the equivalent, you know, life insurance that we need.
We have the investment accounts, we're considering our debt payments
on paying off our home. That's a big goal for
a lot of people, and making exactly and just having
little strategies to help you move forward. Like, you know,
making one extra payment to your mortgage once a year
can make a big difference. But sometimes we don't consider
(05:28):
these goals or these type of little moves because we're
so focused on the day to day stuff like budgeting,
making sure that, you know, we're exercising, making sure we're
taking care of our kids and cleaning the home, and
we kind of forget about the big money moves that
really make a huge impact in our finances. I love
that just making one extra payment on your mortgage a
(05:52):
year like that's a big deal and you know it's
it's one of those things where you have to you
have to go after its and then celebrate it when
you you because it's a it's a big deal. So
even if it seems like a small goal like one
extra mortgage payment can go a long way. Can Take
Shave Shave years. Eventually, maybe a year if you do
it every year, um off your mortgage. One last question
(06:14):
for you. What is the most forgotten or overlooked financial
goal that needs to be addressed in our communities? It's
definitely gonna be protection planning, especially when it comes to
life insurance, health insurance, car insurance and estate planning. You know,
a lot of times we keep saying the goal that
we're going to do our will. We're gonna talk to
(06:35):
our parents. I don't know if you saw insecure, like
molly had such a hard time getting her parents to
finish their estate plan and to really talk about these things,
because it's overwhelming. Like my dad didn't want to do it.
You know, I had to fly them out here and
take up to an order reading make sure that the
will was actually notarized and it was like legit. But
(06:57):
these are things that we keep on pushing back and
it's not helping our community, it's not helping our kids,
our grandkids, especially if you're a parent, because one of
the biggest issues, you know, when I had to do
my own will with my husband, is what happens if
something happens to him and me? You know, what's going
to happen to our kids? WHO's gonna Take Care of them?
WHO's legally going to be responsible for that? That's a
(07:20):
very big responsibility and I don't know if you watch power,
but you know estate planning is a really big deal.
You see how, you know, gals kind of control tyree,
kind him on check, and that's kind of like what
we've learned in with the rockefellers, the third generation skipping
and making sure that you know you're controlling your finances
so that your kids aren't overly spending it, the people
(07:41):
that are going to be taking care of your kids
aren't miss utilizing the life insurance and making sure you
have that life insurance because, you know, a lot of
people when it comes to online they're seeing term life,
whole life v Wells and it comes very overwhelming, and
making sure that you have the appropriate amount. You're talking
to your financial advisor, because there's different um there's different
(08:02):
life insurances for different purposes. That's what a lot of
people don't realize. People have different goals. Some people they
just want to make sure that their spouses taken care
of while their kids are young. They have a mortgage,
they want to make sure that their spous doesn't have
to move out or, you know, stress about money during
those situations. Other people are doing it for, you know,
legacy and passing it on to their kids and it's
(08:24):
really important to be clear on what you want before
you go and talk to a financial advisor, before you
get up sold on anything. Be Clear on what you
need and what you want and then start finding the
different financial tools that can actually help you achieve those
goals and not putting it off and not putting it off,
and I think that is a huge one, definitely overlooked
(08:46):
in our communities. You know, estate planning, low planning, it
is such a big deal and you know, it also
makes that sort of times. You know, I just lost
my father as well and I just have so much
a bigger respect for how you can smoothly have that
grieving period go if nobody has to worry about those big,
(09:07):
huge nuances about insurance and where the assets are going
to go and estate planning. It's just it's a gift
to leave on for your next generation. So that's something
really big. Is that you guys start to do your
financial checklists, like add estate planning, add Um Insurance Planning
and life insurance to your checklists. Um, okay, so one
kind of thing. Now we're talking about this checklist. What
(09:29):
is the number one thing that we should wipe out
of our expenditures and our budgets during our splain cleaning?
And please don't say shoes? Just joking, but just joking.
Some some of us need to hear that. Some of
US need to Oh my God, that was like a
good joke. I love it. I think one of the
things that I do when I'm doing my Um quarterly review,
(09:51):
which is kind of like a spring cleaning for your budget,
is I sit down with my partner and we talk
about what's actually affecting our finance on a day to
day basis. Right now, for a lot of people, inflation
is a big one. You know, you set a budget
for food for five hundred and you're now spending six
hundred because the food prices have increased. You have to
make modifications, talk about what's going on and not feeling like,
(10:14):
oh my gosh, I messed up. You know I'm failing
my budget. It's not you failing your budget, is inflation.
Be Very clear on what's affecting your budget and also
talking to your partner about what are we gonna keep,
what do we have to cut, what do we have
to reduce? And for a lot of people, including myself,
you know there's items that on my budget that I
am not using and if you are not using it,
(10:36):
please remove it. And even if you're, you know your
your egos getting in the ways like, Oh, I can
afford it, it's not a big deal. You know, a
little bit of money can actually go a long way.
One of the subscriptions that I personally cut this year
was my Hulu plus live TV. It costs, yes, I
can afford it. It gives me TV and everything like that,
(10:58):
live TV, but honestly, I don't use it like that.
So I actually reduced it back down to the regular Hulu,
which is six, and now I'm able to save sixty
three dollars every single month, which equals out to being
seven and fifty six dollars a year. Like I could
use that money for anything else, you know, to help
me pay my car insurance, my car registration, Um any
(11:20):
other annual memberships, put it towards retirement or my kids plans.
Like you have options of what you can do with
that money, especially if you're not using these services. CUT
The subscription. Don't let your ego get in the way. And,
you know, I think that's the perfect thing. And when
I think about spring cleaning, because it's so easy with
these iphones and your android phones that we walk around with,
(11:42):
and something POPs up and it's like sign up now
for a subscription. And as anyone who's out there who's
an entrepreneur, if you're selling something, everybody wants to sell
US subscription because we forget, and so there's oftentimes there's
things on our bank statements this that have been years
of buying into a subscription. So make sure you get
your highlighters out you go through your bank statements and
(12:02):
just see what's popping up every month. And you know
it's not just monthly. Some of them are annuals. So
that's how they sneak in there and they miss them.
You signed up for once because you saved a dollar
and it just POPs up once every blue moon on
your credit card. But definitely number one thing about spring cleaning.
You can save a lot of money and that can
go towards that one additional mortgage payment a month. So, Cyrene,
(12:23):
thank you so much. Thank you definitely had a great
time sharing these little tips and I hope that everyone
you know takes the time this spring to just review
your bank statements exactly like you said, and start getting prepared,
you know, to stay on track with your goals so
that when it comes to your semi annual review you
are on track and you're feeling confident and you're feeling
(12:45):
good about your financial goals and your progress. Oh, my
brain is already going. I just keep thinking about all
the subscription services that I'm going to cancel. They forgot.
I forgot. Alright, money movers, that's all the time we
have for today. Lease Sireheny, share with us where folks
can find you on social media. You guys can definitely
find me on Instagram, poise finance and lifestyle, also on
(13:08):
Tiktok and Youtube, my blog, the poise lifestyle dot com.
And if you have any other personal finance questions that
you guys want to ask for my segment. Asked me.
Anything about money with Greenwood, send us a D M
or even email us at Info at bank Greenwood Dot Com.
Thank you so much. All right, money movers, that's all
we have time for today. Make sure you tune in
(13:29):
Monday to Friday and subscribe to the money moves podcast
powered by Greenwood, so that you two can have the
keys to financial freedom you so rightly deserve. Thank you
so much for tuning in, money moves audience. If you
want more or a recap of this episode, please go
to the bank greenwood dot com and check out the
money moves podcast blog. Money moves is an I heart
(13:55):
radio podcast powered by Greenwood executive produced by Sunwise Media Inc.
For more podcasts on I heart radio, visit the I
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podcasts from
Hey money movers, welcome back to money moves, the daily
podcast determined to give you the keys to the Kingdom
of financial stability, wealth and abundance. Hey money movers, welcome
to another episode of ask me anything with Syrense Pierce.
(00:23):
Cyrenise is our financial educator. She's a creator of the
high five banking method and host of asked me anything
about money with Greenwood Studios. Money Movers, let's welcome back
to the podcast the Queen of answering financial questions, cyrenise pierce.
High syrenise. Hey, thank you, guys, so much for having
me back. Well, welcome back. You know, it's always a
(00:45):
pleasure to have you on the show, and today we're
talking about spring cleaning and deep diving into our financial budgets.
We are a couple of months into two and I
want to make sure that our money movers are doing
their semi annual financial checklists because, you know, as much
as we check in on our health, we need to
check in on our finances. So I want us to
(01:07):
all start the year off right. So tell me what
is the purpose of a Financial Review and our financial checklist? So,
when it comes to a financial review, this is something
this is the time of the of the year where
you're really gonna take a deep dive into your finances.
We're not gonna be so focused on your budget and
your expenses. We're gonna look into your investments, your investment strategies,
(01:29):
making sure you have your will in place. You know,
a lot of times you set a goal saying I'm
gonna Start My will this year, I'm gonna do my
estate plan, I'm going to open up that life insurance policy,
but we postpone it. So when you're doing your semi
annual review, we're like, Hey, where's that? You know, have
you opened up those accounts? Have you talked to your
spouse about these topics and making sure that you are
(01:52):
holding yourself accountable to the goals that you set six
months ago, and one of the best ways to do
that is to do the smaller reviews every quarter, you know,
review your budget, your expenses on a small basis, on
a small quarterly review, so that when you go talk
to your financial advisors, either in a semi annual annual basis,
(02:14):
you already know that you've been doing the maintenance necessary
for your finances to save more, invest more and really
hit those other financial goals that are going to benefit
not just you but your family and generations to move forward.
I love that. Goals, goals, goals. You know, I'm really
trying to be intentional in two about setting goals. So,
you know, the easy ones are like I'm going to
(02:35):
work out more, I'm not gonna eat so much cheese.
But this piece about what are my financial goals? And
I think that a lot of people, Um, you know,
especially when your income is pretty fixed, they don't actually
set goals. They're just like, well, I just make the
money I make and I'm going to try and save
as much as I can. But you know, the more
intentional people are with whatever tiny little goal and you know,
(02:59):
movement you can make towards achieving that goal, it's so
important and that's why I love this segment right now
because the Financial Review. Who we need it. We need
it Um. Okay, so you mentioned a financial advisor. What
type of questions should we ask a financial advisor when
we're doing this review? Some of the top questions that
(03:19):
you want to ask are the big hitting questions. You know,
it's not about saving five dollars here saving ten dollars there.
It's how can you save money like ten thousand, fifty thousand,
a hundred thousand. These are the type of questions you
want to be mentally prepared to ask your financial advisor.
This is gonna be with how they're getting paid, you know,
are they charging an annual fee or they charging one
(03:40):
person off your portfolio? Also your diversification, making sure that
you know the money that you are putting towards your retirement,
make sure you're maximizing it, make sure it's an investment.
Is that actually are, you know, helping you retire and
not having you, you know, sitting in bonds or in cash.
For a lot of people, they have their four oh
one case and they haven't even picked the investments. So
(04:00):
this is the time where you can talk to your
financial advisor and say, you know what, I want some
guidance when it comes to picking the investments in my
four o one k, the investments in my I R A,
you know, really thinking about the hard questions, you know,
and also considering if you're in the right investments. A
lot of times when you're looking at your investments, you know,
you see Index Fund here, Index Fund there, and it's
(04:21):
just it gets overwhelming, kind of goes over your head,
and this is where your financial advice is gonna say,
you know what, this is the correct index fund. It
has low fees and this little fee, it might be
like a few, like one percent, compared to zero point
one percent, and it might not seem like a big thing,
just moving the decimal, but that can actually end up
costing you hundreds of thousands of dollars. It's actually holding
(04:44):
you back from investing. This is why the annual Financial Review,
in the semi annual financial reviews where you start getting
into the nitty gritty of the things that are actually
gonna help you. You know, retire earlier, maximize your taxes.
That's a big one as well, and make sure you're
protecting your wealth, because, you know, we're working so hard
to make this money. Let's make sure we're protecting it.
(05:06):
We have the equivalent, you know, life insurance that we need.
We have the investment accounts, we're considering our debt payments
on paying off our home. That's a big goal for
a lot of people, and making exactly and just having
little strategies to help you move forward. Like, you know,
making one extra payment to your mortgage once a year
can make a big difference. But sometimes we don't consider
(05:28):
these goals or these type of little moves because we're
so focused on the day to day stuff like budgeting,
making sure that, you know, we're exercising, making sure we're
taking care of our kids and cleaning the home, and
we kind of forget about the big money moves that
really make a huge impact in our finances. I love
that just making one extra payment on your mortgage a
(05:52):
year like that's a big deal and you know it's
it's one of those things where you have to you
have to go after its and then celebrate it when
you you because it's a it's a big deal. So
even if it seems like a small goal like one
extra mortgage payment can go a long way. Can Take
Shave Shave years. Eventually, maybe a year if you do
it every year, um off your mortgage. One last question
(06:14):
for you. What is the most forgotten or overlooked financial
goal that needs to be addressed in our communities? It's
definitely gonna be protection planning, especially when it comes to
life insurance, health insurance, car insurance and estate planning. You know,
a lot of times we keep saying the goal that
we're going to do our will. We're gonna talk to
(06:35):
our parents. I don't know if you saw insecure, like
molly had such a hard time getting her parents to
finish their estate plan and to really talk about these things,
because it's overwhelming. Like my dad didn't want to do it.
You know, I had to fly them out here and
take up to an order reading make sure that the
will was actually notarized and it was like legit. But
(06:57):
these are things that we keep on pushing back and
it's not helping our community, it's not helping our kids,
our grandkids, especially if you're a parent, because one of
the biggest issues, you know, when I had to do
my own will with my husband, is what happens if
something happens to him and me? You know, what's going
to happen to our kids? WHO's gonna Take Care of them?
WHO's legally going to be responsible for that? That's a
(07:20):
very big responsibility and I don't know if you watch power,
but you know estate planning is a really big deal.
You see how, you know, gals kind of control tyree,
kind him on check, and that's kind of like what
we've learned in with the rockefellers, the third generation skipping
and making sure that you know you're controlling your finances
so that your kids aren't overly spending it, the people
(07:41):
that are going to be taking care of your kids
aren't miss utilizing the life insurance and making sure you
have that life insurance because, you know, a lot of
people when it comes to online they're seeing term life,
whole life v Wells and it comes very overwhelming, and
making sure that you have the appropriate amount. You're talking
to your financial advisor, because there's different um there's different
(08:02):
life insurances for different purposes. That's what a lot of
people don't realize. People have different goals. Some people they
just want to make sure that their spouses taken care
of while their kids are young. They have a mortgage,
they want to make sure that their spous doesn't have
to move out or, you know, stress about money during
those situations. Other people are doing it for, you know,
legacy and passing it on to their kids and it's
(08:24):
really important to be clear on what you want before
you go and talk to a financial advisor, before you
get up sold on anything. Be Clear on what you
need and what you want and then start finding the
different financial tools that can actually help you achieve those
goals and not putting it off and not putting it off,
and I think that is a huge one, definitely overlooked
(08:46):
in our communities. You know, estate planning, low planning, it
is such a big deal and you know, it also
makes that sort of times. You know, I just lost
my father as well and I just have so much
a bigger respect for how you can smoothly have that
grieving period go if nobody has to worry about those big,
(09:07):
huge nuances about insurance and where the assets are going
to go and estate planning. It's just it's a gift
to leave on for your next generation. So that's something
really big. Is that you guys start to do your
financial checklists, like add estate planning, add Um Insurance Planning
and life insurance to your checklists. Um, okay, so one
kind of thing. Now we're talking about this checklist. What
(09:29):
is the number one thing that we should wipe out
of our expenditures and our budgets during our splain cleaning?
And please don't say shoes? Just joking, but just joking.
Some some of us need to hear that. Some of
US need to Oh my God, that was like a
good joke. I love it. I think one of the
things that I do when I'm doing my Um quarterly review,
(09:51):
which is kind of like a spring cleaning for your budget,
is I sit down with my partner and we talk
about what's actually affecting our finance on a day to
day basis. Right now, for a lot of people, inflation
is a big one. You know, you set a budget
for food for five hundred and you're now spending six
hundred because the food prices have increased. You have to
make modifications, talk about what's going on and not feeling like,
(10:14):
oh my gosh, I messed up. You know I'm failing
my budget. It's not you failing your budget, is inflation.
Be Very clear on what's affecting your budget and also
talking to your partner about what are we gonna keep,
what do we have to cut, what do we have
to reduce? And for a lot of people, including myself,
you know there's items that on my budget that I
am not using and if you are not using it,
(10:36):
please remove it. And even if you're, you know your
your egos getting in the ways like, Oh, I can
afford it, it's not a big deal. You know, a
little bit of money can actually go a long way.
One of the subscriptions that I personally cut this year
was my Hulu plus live TV. It costs, yes, I
can afford it. It gives me TV and everything like that,
(10:58):
live TV, but honestly, I don't use it like that.
So I actually reduced it back down to the regular Hulu,
which is six, and now I'm able to save sixty
three dollars every single month, which equals out to being
seven and fifty six dollars a year. Like I could
use that money for anything else, you know, to help
me pay my car insurance, my car registration, Um any
(11:20):
other annual memberships, put it towards retirement or my kids plans.
Like you have options of what you can do with
that money, especially if you're not using these services. CUT
The subscription. Don't let your ego get in the way. And,
you know, I think that's the perfect thing. And when
I think about spring cleaning, because it's so easy with
these iphones and your android phones that we walk around with,
(11:42):
and something POPs up and it's like sign up now
for a subscription. And as anyone who's out there who's
an entrepreneur, if you're selling something, everybody wants to sell
US subscription because we forget, and so there's oftentimes there's
things on our bank statements this that have been years
of buying into a subscription. So make sure you get
your highlighters out you go through your bank statements and
(12:02):
just see what's popping up every month. And you know
it's not just monthly. Some of them are annuals. So
that's how they sneak in there and they miss them.
You signed up for once because you saved a dollar
and it just POPs up once every blue moon on
your credit card. But definitely number one thing about spring cleaning.
You can save a lot of money and that can
go towards that one additional mortgage payment a month. So, Cyrene,
(12:23):
thank you so much. Thank you definitely had a great
time sharing these little tips and I hope that everyone
you know takes the time this spring to just review
your bank statements exactly like you said, and start getting prepared,
you know, to stay on track with your goals so
that when it comes to your semi annual review you
are on track and you're feeling confident and you're feeling
(12:45):
good about your financial goals and your progress. Oh, my
brain is already going. I just keep thinking about all
the subscription services that I'm going to cancel. They forgot.
I forgot. Alright, money movers, that's all the time we
have for today. Lease Sireheny, share with us where folks
can find you on social media. You guys can definitely
find me on Instagram, poise finance and lifestyle, also on
(13:08):
Tiktok and Youtube, my blog, the poise lifestyle dot com.
And if you have any other personal finance questions that
you guys want to ask for my segment. Asked me.
Anything about money with Greenwood, send us a D M
or even email us at Info at bank Greenwood Dot Com.
Thank you so much. All right, money movers, that's all
we have time for today. Make sure you tune in
(13:29):
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keys to financial freedom you so rightly deserve. Thank you
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want more or a recap of this episode, please go
to the bank greenwood dot com and check out the
money moves podcast blog. Money moves is an I heart
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