In this episode of the Financially Fit Couple podcast, host Matthew Gray dives into the intricacies of financial planning for young married couples with guest Malachi Bontrager, a financial advisor at LD&B Financial. The discussion covers the principles of balancing immediate financial desires with long-term goals, emphasizing the importance of intentional planning and the concept of delayed gratification.
Key topics include effective tax planning strategies such as Roth IRAs and capital gains harvesting, practical advice for funding college education and navigating the housing market. The episode also explores actionable steps for saving, the emotional factors involved in financial decisions, and how to align financial planning with personal values and goals.
00:40 Introducing Malachi Bontrager
01:07 Balancing Now vs. Later in Financial Planning
05:40 Understanding the Debt Crisis
10:14 The Benefits of Paying Taxes Now
18:48 Roth Conversions and Tax Strategies
21:04 College Planning and Saving Strategies for Education
32:36 Navigating the Housing Market: Rent vs. Buy
35:36 Current Housing Market Trends
41:23 Balancing Financial and Emotional Decisions in Home Buying
44:19 Concluding Thoughts on Financial Planning
Resources
Rent vs. Buying Home Calculator
Malachi Bontrager
https://www.ldbfinancialgroup.com/meet-our-team/
malachi@ldbfinancialgroup.com
540-437-1438
LPL Financial and LD&B Financial are separate entities.
Matthew Gray
https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/
https://schrockfin.com/
Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC
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