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Real Talk Personal Finance's Podcast artwork

Real Talk Personal Finance's Podcast

by RealTalkPersonalFinance

Hear real, credentialed Financial Advisors discuss different aspects of personal finance in a no-nonsense, unfiltered, down-to-Earth style.

146 episodes
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Episodes

Latest first
Mar 1, 20261h 19m
Overemployed to Unemployed ft. Cash Flow Rockefeller Prince

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Feb 14, 202614 min
Southwest Promo Companion Pass (& Happy Valentine's Day!)

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Feb 5, 202649 min
Unstuck Economics ft. Bo Jacob, CPA

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Jan 29, 202611 min
Metals Mania!

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Jan 18, 202647 min
Lessons Learned from The Older Worker ft. Equity Stacker

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Jan 1, 202649 min
Personal Finance & Divorce ft. "Clyde Vanderpool"

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Dec 21, 202517 min
2025 Reflection + Week 4 Winner!

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Dec 14, 202529 min
Projection Lab + Week 3 Winner!

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Dec 8, 20255 min
Week 2 Winner!

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Dec 1, 202522 min
Addicted to Dumb Shit + Week 1 Winners ($25 x 4 = $100!)

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Nov 17, 202517 min
2026 IRS Contribution Limits

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Nov 12, 202534 min
50-Year Mortgages

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Oct 28, 202527 min
Dogshit Dental

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Oct 19, 202542 min
Re-thinking Roth

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Oct 10, 202545 min
Get Cash Back on Holiday Shopping (w $50 Sign-Up Bonus)!

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Sep 28, 202547 min
10 Personal Finance Money Myths

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Sep 22, 202537 min
Fed Rate Cuts Begin - Time To Get Rich (Again)?

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Sep 10, 202532 min
2025 Financial Advisor Compensation

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Sep 1, 202528 min
Got an IP PIN?

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Aug 24, 202537 min
...ChatGPT Analysis & Is It Worth It [Trump Account Calcs w #s]

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Aug 9, 202524 min
...Unless You Want Your Kid to Retire Rich [Trump Accounts Revisited]

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Aug 2, 202529 min
Trump Accounts Are [Mostly] Dogshit + $2.4MM Failure

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Jun 30, 20257 min
Thank You - July 4th PREMIUM Flash Sale!

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Jun 20, 202553 min
When A Sizzling Single Asset Syndication Turns Into A Shitstorm: 50% Loss

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Jun 4, 202531 min
Why Your Small Biz Needs to Cheat (ft. Rent Reverend)

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May 18, 202522 min
How Stacking Saved Me Over $840

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Apr 26, 202539 min
Impact of Tariffs on U.S. Manufacturing ft. Big D

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Mar 16, 202552 min
Cash Flow King Goes Car Shopping!

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Mar 7, 202531 min
Zoltar!

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Feb 18, 202525 min
Healthcare Is A Fucking Joke

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Feb 15, 202530 min
Financial Bloopers: When Tax GAIN Harvesting Backfires!

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Feb 6, 202527 min
Social Security [Un]Fairness Act + Other Shit

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Dec 30, 202422 min
2024 Year-End Review + 2024 RTPF Favorite Guest

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Dec 23, 20247 min
DECEMBER 23RD - Week 4 e-Giftcard WINNER!

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Dec 16, 20242 min
DECEMBER 16TH - Week 3 e-Giftcard WINNER!

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Dec 9, 202415 min
Vote for Your Favorite 2024 RTPF Guest + Week 2 e-Giftcard WINNER!

Send a textCLICK HERE TO VOTE FOR YOUR FAVORITE 2024 RTPF PODCAST GUEST!!!Try You Need A Budget (YNAB) Free for 34 Days + 1 Additional Free...

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Dec 2, 202422 min
December To-Do List + Week 1 e-Giftcard WINNER!

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Nov 25, 202416 min
FinCEN BOI Reporting

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Nov 18, 202452 min
The Skill of Spending ft. Cube Crusher

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Nov 11, 202424 min
2025 Limits + Why "Super Catch-Up" Contributions Don't Really Matter

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Nov 4, 202439 min
Holiday Cash Back & Consumer Purchase Protections

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Oct 14, 202430 min
Who Stole My F*cking Water Heater?

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Oct 7, 202416 min
Q3 e-giftcard WINNER + Sports Betting Is NOT An Investment!

Send a textQ3 e-giftcard giveaway WINNER!Sportsbetting is NOT an Investment!Financial Bloopers: CFK & Gambling Losses Deduction...

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Sep 30, 202435 min
Bonds

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Sep 23, 202442 min
529 College Savings Plan Basics

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Sep 16, 202437 min
(Timely) Bank Bonuses - Get Up to $1,000+ To The Face!

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Sep 9, 202423 min
Who's Your Trusted Contact?

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Sep 2, 202429 min
Can Renting Build Wealth?

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Aug 26, 202429 min
Perspective Shapes Everything: Overemployed Feedback + Ghost Jobs

Send a textJoin Cash Flow King as he reads feedback on the Overemployed episode and discusses Ghost Jobs from the perspective of both...

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Aug 19, 202413 min
Money Myths

Send a textJoin Cash Flow King for a quick episode on 9 Money Myths.Support the showShow RTPF Podcast Some Love - PREMIUM!!! Get a RTPF...

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Aug 12, 20241h 17m
Secrets of Overemployed ft. Cash Flow Rockefeller Prince

Send a textJoin first-time guest and PREMIUM subscriber, Cash Flow Rockefeller Prince, to discuss the secrets of the OVEREMPLOYED.Support...

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Jul 29, 20241h 32m
Listener Finance Review: Big Brother K ft. Cube Crusher

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Jul 22, 202443 min
Dave Ramsey Sound Off!

Send a textListener-prompted episode on some Dave Ramsey shit.Support the showShow RTPF Podcast Some Love - PREMIUM!!! Get a RTPF Winter...

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Jul 15, 202456 min
Listener Finance Review: Cash Flow Rockefeller Prince ft. Cube Crusher

Send a textJoin Cash Flow King and Cube Crusher as they discuss Cash Flow Rockefeller Prince's financial situation.This show is for...

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Jul 8, 202451 min
The Tax Triangle: Lifetime Financial Flexibility

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Jun 24, 202437 min
What's In Your HSA?

Send a textJoin Cash Flow King for an episode discussing HSA Allocation Strategy based on planned usage.Support the showShow RTPF Podcast...

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Jun 17, 202443 min
Buying a Turnkey Rental in 2024!

Send a textJoin the Cash Flow King as he discusses his currently-in-progress turnkey rental purchase in June, 2024 along with some things...

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Jun 10, 202457 min
Cash Flow King on Millionaires Unveiled Podcast (Episode 360)

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Jun 3, 202420 min
Cost to Raise a Child in USA Up ~20%!

Send a textJoin Cash Flow King as he discusses a recent article on the rising costs to raise a child in the United States.Support the...

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May 13, 20241h 3m
Real Estate Syndication Update: Can You Handle The Ride? ft. O-Dawg

Send a textJoin Cash Flow King as he catches up with the 3rd ever guest on RTPF, O-Dawg, on real estate syndication investments. Be sure to...

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May 6, 202416 min
Financial Bloopers: Not Monitoring Retirement Account Cash

Send a textJoin Cash Flow King as he discusses old vs. new retirement plan default investments and how pertains to the potential problem of...

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Apr 29, 202433 min
Tipping Culture in 2024

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Apr 15, 202442 min
Financial Bloopers ft. Retirement Hitman: Blue Collar Bloopers; Learning to Spend; CFK Blooper

Send a textJoin Cash Flow King with first-time guest, Retirement Hitman, for a continuation of the Financial Bloopers mini-series.Support...

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Apr 8, 202426 min
Financial Bloopers: $3.7MM Net Worth w Credit Card Debt; $657K Net Worth Replaces Mortgage w Credit Card Debt

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Apr 1, 20241h 17m
HR Professional's Perspective on Candidate Ghosting ft. Equity Stacker

Send a textJoin the Cash Flow King as he talks with repeat guest, Equity Stacker, on a Human Resources Professional's perspective on...

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Apr 1, 202422 min
Get Your Money Right (GYMR): Estate Planning Preparation

Send a textCash Flow King briefly discusses the importance of crafting your estate plan. This should generally be done with a competent...

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Mar 25, 202419 min
Get Your Money Right (GYMR): Auto + Homeowner Insurance Coverages

Send a textJoin Cash Flow King as he discusses a few key points on auto and homeowner's insurance coverages, as well as umbrella...

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Mar 25, 202417 min
Car Loan at 5% or 401(k) Loan at 9%? ft. Cube Crusher

Send a textJoin Cash Flow King and Cube Crusher as they discuss the pros/cons of each - based on a client of one of CFK's advisor...

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Mar 18, 202414 min
Social Security Solvency Options (highlights of recent article on SS Solvency)

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Mar 18, 202415 min
Get Your Money Right (GYMR): How to Get Your Social Security Statement

Send a textIn this week's GYMR segment, join Cash Flow King and learn how to get/read your Social Security statement.Support the...

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Mar 11, 202421 min
Get Your Money Right (GYMR): Build Your Balance Sheet (Net Worth Snapshot)

Send a textIn this week's GYMR segment, join Cash Flow King to talk about building your balance sheet and calculating your financial...

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Mar 10, 20243 min
Q1 2024 e-giftcard Giveaway!

Send a textCongratulations to the winner of our Q1 2024 PREMIUM subscriber $25 e-giftcard giveaway!Are you PREMIUM yet?...

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Mar 4, 202424 min
Get Your Money Right (GYMR): Disability Insurance - Why Should You Give a Shit?

Send a textIn this week's GYMR segment, Cash Flow King discusses why you should give a shit about disability insurance.Support the...

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Ep. 78Feb 26, 202433 min
Don't F*ck Up the Backdoor Roth IRA

Send a textIn this episode, Cash Flow King goes on a rant about why he disagrees with the opinions from another popular personal finance...

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Feb 26, 202412 min
Get Your Money Right (GYMR): Got Life Insurance?

Send a textCash Flow King briefly discusses life insurance and a few action items to consider.Support the showShow RTPF Podcast Some Love -...

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Feb 19, 202418 min
Get Your Money Right (GYMR): Got Beneficiaries?

Send a textCash Flow King goes over the importance of making sure you have beneficiaries listed.Support the showShow RTPF Podcast Some Love...

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Ep. 77Feb 19, 20241h 0m
Small Business Challenges ft. Rent Reverend

Send a text#1 Top-Rated Guest of 2023, the Rent Reverend, returns to the Real Talk Personal Finance podcast to discuss small business...

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Ep. 75Feb 12, 202421 min
Get Your Money Right (GYMR): Workplace Retirement Plan

Send a textCash Flow King discusses the most important thing you need to know about your retirement plan at work.Support the showShow RTPF...

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Ep. 76Feb 12, 202432 min
Is My Retirement Plan at Work Free?

Send a textIn this episode, Cash Flow King discusses some common features of most workplace retirement plans with a focus on fees.Support...

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Feb 5, 202415 min
1st Fed Meeting in 2024

Send a textCash Flow King briefly discusses the recent Fed decision after its first meeting in 2024.Support the showShow RTPF Podcast Some...

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Feb 5, 202412 min
Get Your Money Right (GYMR): Roth IRA

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Ep. 73Jan 29, 202421 min
Get Your Money Right (GYMR): Debt Strategy

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Jan 29, 20241h 18m
Workplace Transitions ft. Credit Union Cowboy

Send a textIn this episode, Credit Union Cowboy talks about workplace transitions and how to best prepare.Support the showShow RTPF Podcast...

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Ep. 72Jan 22, 20244 min
Get Your Money Right (GYMR): Debt List

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Ep. 76Jan 15, 202420 min
Do I Need a Tax Advisor?

Send a textCash Flow King discusses a few considerations regarding whether or not it's time for you to seek a tax advisor.Support the...

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Ep. 71Jan 15, 20247 min
Get Your Money Right (GYMR): Tax Folder

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Ep. 70Jan 8, 202416 min
Get Your Money Right (GYMR): Expense Tracker

Send a textGet Your Money Right (GYMR) with Cash Flow King: Expense TrackerVertex42 Personal Budget SpreadsheetSupport the showShow RTPF...

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Ep. 74Jan 1, 20241h 8m
How Cash Flow King & Cube Crusher (Probably) Lost Over $160,000

Send a textJoin Cash Flow King and Cube Crusher for a raw discussion on how they (probably) lost over $160,000.Support the showShow RTPF...

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Ep. 69Jan 1, 202414 min
Get Your Money Right (GYMR): High Yield Savings

Send a textIntroducing the Get Your Money Right (GYMR) Segment!Get Your Money Right (GYMR) with Cash Flow King: High Yield Savings.Support...

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Ep. 68Dec 20, 202319 min
2023 Triple G: Giveaway, Guests, Goals

Send a textIn this episode, Cash Flow King announces: The e-giftcard winners The top-voted 2023 RTPF podcast guestSome thoughts on...

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Ep. 67Dec 9, 202332 min
Random Quick Topics (Please VOTE for your favorite 2023 RTPF podcast guest!)

Send a textJoin Cash Flow King for some random quick topics:Southwest Companion Pass UpdateGiftcard Buying Groups5.05% High Yield Savings...

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Ep. 66Nov 28, 202322 min
Get Cash Back on Holiday Shopping!

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Ep. 65Nov 19, 202344 min
Southwest Companion Pass

Send a textCash Flow King discusses everything you need to know about Southwest Companion Pass.CLICK HERE TO APPLY FOR A CHASE SOUTHWEST...

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Ep. 64Nov 2, 202323 min
Changing PM Companies + Insurance Agencies

Send a textCash Flow King talks about recently switching his turnkey, single family rental portfolio down to one property manager (PM) and...

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Ep. 63Nov 2, 202314 min
2024 IRS Limits

Send a textCash Flow King hits the quick highlights of the IRS-announced 2024 contribution limits on common plans.Support the showShow RTPF...

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Ep. 59Sep 19, 202318 min
The Small and Mighty Real Estate Investor REVISITED

Send a textCash Flow King revisits the topic.Support the showShow RTPF Podcast Some Love - PREMIUM!!! Get a RTPF Winter Beanie - MERCH!...

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Ep. 56Sep 4, 202329 min
The Small and Mighty Real Estate Investor

Send a textCash Flow King describes his thoughts and opinions after reading Chad Carson's newest book: The Small and Mighty Real...

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Ep. 54Aug 5, 202339 min
Evictions Happen ft. Rent Reverend

Send a textJoin the Cash Flow King and first-time guest and PREMIUM subscriber, Rent Reverend, to talk about what it's like to deal...

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Ep. 53Jul 27, 202310 min
Where's Your HSA Cash?

Send a textJoin the Cash Flow King to discuss an idea for your HSA cash.Support the showShow RTPF Podcast Some Love - PREMIUM!!! Get a RTPF...

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Ep. 52Jul 18, 202359 min
Is Your Home Really an Investment? ft Equity Stacker

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Ep. 51Jul 4, 202324 min
Where's The Cash Flow?

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Ep. 49Jun 16, 202324 min
Why I'm STILL Not Investing in Car Wash Syndication

Send a textCash Flow King continues discussion from Episode 29 on why he STILL isn't investing in a car wash syndication.Support the...

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Ep. 48Jun 4, 202344 min
Episode 48 - Financial Profiles w Cube Crusher: In Your 20s - Part 1

Send a textJoin Cash Flow King and Cube Crusher for Financial Profiles, where Cube Crusher discusses what he would do in each of these...

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Ep. 46May 13, 202350 min
Do You Need a Financial Advisor?

Send a textJoin Cash Flow King and Cube Crusher as they discuss whether or not you need a Financial Advisor.Support the showShow RTPF...

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Ep. 45Apr 30, 202323 min
I-Bonds Revisited

Send a textJoin Cash Flow King for the latest on Series I Bonds, including new rates and some food for thought.Support the showShow RTPF...

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Ep. 42Apr 7, 20231h 4m
Back to Basics: Intermediate - Conversation ft. Credit Union Cowboy - Part 2

Send a textJoin Cash Flow King and Credit Union Cowboy (CUC) for Part 2 of Back to Basics Intermediate.Support the showShow RTPF Podcast...

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Ep. 40Mar 27, 202312 min
Are You Premium?

Send a textJoin Cash Flow King as he unveils the benefits of becoming a Premium Subscriber!Support the showShow RTPF Podcast Some Love -...

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Ep. 38Mar 15, 20231h 5m
Back to Basics: Intermediate - Conversation ft. Credit Union Cowboy - Part 1

Send a textJoin Cash Flow King and Credit Union Cowboy (CUC) as they continue the conversation on back to the basics, intermediate...

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Ep. 37Mar 1, 20231h 11m
Back to Basics: Beginner - Conversation ft. Credit Union Cowboy

Send a textIn this episode, join Cash Flow King and brand new guest, Credit Union Cowboy, as they unpack the Back to Basics: Beginner...

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Ep. 36Feb 20, 202348 min
Back to Basics: Beginner

Send a textIn this episode, join Cash Flow King to go back to basics, beginner style. Specifically, we discuss: High Interest Rate Debt /...

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Ep. 35Feb 4, 20231h 18m
Pre-Tax vs. Roth ft. Cold Brew & Cube Crusher

Send a textIn this episode, Cash Flow King is joined by Cold Brew and Cube Crusher to discuss Pre-Tax vs. Roth. Don't forget to...

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Ep. 34Jan 16, 202339 min
SECURE Act 2.0 - Part 1

Send a textIn this episode, Cash Flow King discusses some of the recent SECURE Act 2.0 changes and things to know.Support the showShow RTPF...

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Ep. 33Dec 18, 202247 min
2022 Year-End Reflection

Send a textJoin Cash Flow King in the final episode of 2022 to reflect on the year for the show and for personal finance.Support the...

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Ep. 32Dec 3, 202245 min
Money Personality Discussion ft. Cold Brew

Send a textIn this episode, Cash Flow King welcomes first-time guest, Cold Brew, to the podcast to discuss different money personalities....

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Ep. 31Nov 17, 202230 min
15% Promissory Notes: Damn Good or Dogshit?

Send a textIn this episode, Cash Flow King discusses an investment opportunity he's considering via promissory notes.Support the...

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Ep. 30Oct 28, 202211 min
Timely Financial Nuggets

Send a textIn this episode, we get a quick hit of some timely financial nuggets with Cash Flow King. Shoutout to all our loyal...

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Ep. 29Sep 29, 202226 min
Why I'm Not Investing in Car Wash Syndication...Yet!

Send a textIn this episode, Cash Flow King discusses his recent evaluation of a Car Wash Syndication Fund and why he's not yet sold on...

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Ep. 28Sep 17, 20221h 8m
Why We're All Fucked ft. Cube Crusher

Send a textCash Flow King interviews Cube Crusher on the current state of the economy and what could be ahead.Buzzsprout - Let's get your...

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Ep. 27Sep 2, 202225 min
Roth IRA vs. Health Savings Account (HSA)

Send a textIn this episode, Cash Flow King briefly discusses Roth IRA vs. HSA in an effort to crown the winner.Support the showShow RTPF...

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Ep. 26Aug 19, 202216 min
Passive Real Estate Investing Mini Series: Q&A

Send a textJoin us for a quick Q&A to wrap up the Passive Real Estate Investing Mini Series. Enjoy!Support the showShow RTPF Podcast Some...

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Ep. 25Aug 12, 20221h 9m
Passive Real Estate Investing Mini Series: Multifamily Syndications ft. O-Dawg

Send a textIn this episode, Cash Flow King is joined by O-Dawg to discuss O-Dawg's experience with multifamily syndication...

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Ep. 24Aug 5, 20221h 30m
Passive Real Estate Investing Mini Series: Syndications + Funds

Send a textIn this episode, Cash Flow King discusses the many components of single asset syndications as well as real estate funds. Support...

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Ep. 23Jul 29, 20221h 2m
Passive Real Estate Investing Mini Series: Turnkey Rentals

Send a textIn this episode, Cash Flow King discusses turnkey rental investments in detail as part of the Passive Real Estate Investing Mini...

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Ep. 22Jul 20, 202232 min
Passive Real Estate Investing Mini Series: Intro

Send a textIn this episode, Cash Flow King kicks off the Passive Real Estate Investing mini series with an intro episode, covering:Why real...

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Ep. 21Jul 10, 202234 min
Social Security Retirement Benefits Basics

Send a textIn this episode, Cash Flow King goes over the cliff notes version of Social Security retirement benefits (including spousal...

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Ep. 20Jul 1, 202254 min
The 4% Rule

Send a textIn this episode, Cash Flow King discusses the 4% rule - what it is, how it works, and how it may fit into your overall...

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Ep. 19Jun 24, 202253 min
Variable Annuities

Send a textIn this episode, we round out our mini series on Annuities with Variable Annuities. Love them or hate them, we explore them in...

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Jun 16, 20222 min
Pizza Challenge

Send a textPizza Challenge! Are you ready to enter to win an e-giftcard for some free pizza?Support the showShow RTPF Podcast Some Love -...

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Ep. 18Jun 11, 20221h 5m
Indexed Annuities

Send a textIn this episode, we continue our mini series on Annuities. This episode covers the basics of Indexed Annuities, both with and...

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Ep. 17Jun 5, 20221h 6m
Fixed Annuities

Send a textIn this episode, we continue our mini series on Annuities. This episode dives into the weeds on Fixed Annuities: the different...

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Ep. 16May 31, 202241 min
Annuity Basics: Do I Need an Annuity?

Send a textIn this episode, we start our first podcast of our mini series on Annuities. This Annuity Basics podcast talks about annuities...

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Ep. 15May 10, 202229 min
Fuck The Noise

Send a textIn this episode, we discuss the importance of ignoring the media "noise" during times of market volatility, how managed accounts...

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Ep. 14Apr 22, 202229 min
Got I-Bonds?

Send a textIn this episode, Cash Flow King gives you a quick crash course on I-Bonds, including different things to consider as you...

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Ep. 13Apr 6, 20221h 26m
Cash Flow Investing vs. Growth Investing ft. Cube Crusher

Send a textIn this episode, Cash Flow King and Cube Crusher talk about their personal investment philosophies and debate investing for cash...

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Ep. 12Mar 17, 202216 min
Time Horizon Revisited

Send a textIn this episode, we talk about ways to think about "time horizon" in the context of retirement planning with regard to market...

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Ep. 11Mar 8, 202250 min
Life Insurance Basics

Send a textIn this episode, we discuss Life Insurance Basics including:What do you want life insurance to do for you?How much life...

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Ep. 10Feb 28, 202243 min
Roth IRA - Intermediate Concepts

Send a textIn this episode, we build off of Episode 3 on Roth IRA Basics and discuss the following items:Backdoor Roth IRAPro-Rata...

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Ep. 9Feb 23, 202217 min
Fundamentals of Estate Planning

Send a textIn this episode, we have a quick discussion on the importance of estate planning and review a short list of documents that you...

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Ep. 8Feb 21, 202249 min
Travel Hacking with Credit Cards ft. Travel Queen

Send a textIn this episode, we talk with Travel Queen about how to effectively and strategically utilize the power of credit card reward...

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Ep. 7Feb 10, 202225 min
What's Your Savings Rate?

Send a textIn this episode, we explore what a savings rate might mean to you and why it's important.Support the showShow RTPF Podcast...

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Ep. 6Feb 2, 202236 min
Liability Management + Collateralizing Assets

Send a textIn this episode, we examine some unconventional thinking and look at ways to optimize our balance sheet.Support the showShow...

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Ep. 5Jan 25, 202238 min
The Power of Your Mortgage

Send a textIn this episode, we explore unconventional thinking around primary residence mortgages and how they can truly be a powerful...

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Ep. 4Jan 17, 202246 min
Retire at 40 with FI Principles ft. Cube Crusher

Send a textIn this episode, we talk with former financial advisor and current accountant, Cube Crusher, on his approach to early...

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Ep. 3Jan 13, 202229 min
Roth IRA Basics

Send a textIn this episode, we cover the basics of Roth IRAs, including:Benefits of Roth IRAsWho Qualifies for a Roth IRA?2022 Contribution...

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Ep. 2Jan 10, 202222 min
What Level Is Your Emergency Fund?

Send a textIn this episode, we discuss emergency funds, including:What Is an Emergency Fund?3 Levels of Emergency FundsConsiderations...

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Ep. 1Jan 7, 202226 min
Health Savings Accounts (HSAs)

Send a textIn this episode, we cover the basics of Health Savings Accounts (HSAs), including:Why Consider an HSA?Criteria for HSA-eligible...

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