Hello, loyal listeners! We wanted to let you know that we have a quick update on the podcast and a few things that are happening over at <a href= "https://toujoursplanning.com/">Toujours Planning</a> right now. As you may know, we are a Lake Charles-based business and family, and our community, homes, and offices were devastated by Hurricane Laura in August. While we work to rebuild our community and also weather other storms that have come through the area, we are taking a break from the Wealth by Design podcast. We do not know how long it will take to return to “normal,” whatever that means. In the meantime, we ask that willing listeners of the podcast donate to Lake Charles and Louisiana recovery efforts. We are personally supporting the Community Foundation of Southwest Louisiana, an organization that has helped care for people who’ve lost their homes and livelihoods, as well as get our community up and running again. If you are able and interested, please donate here: <a href= "https://www.foundationswla.org/">https://www.foundationswla.org/</a> In the meantime, we thank you for being a listener of the Wealth by Design podcast, and we hope to be back on the airwaves soon! LINK TO DONATE: <ul> <li><a class="ProsemirrorEditor-link" href= "https://www.foundationswla.org/">https://www.foundationswla.org/</a></li> </ul> CONNECT WITH DANIELLE AND DUSTIN <ul> <li><a href="https://toujoursplanning.com/contact">Ask Your Questions</a></li> <li><a href="http://facebook.com/toujoursplanning">On Facebook</a></li> <li><a href="https://twitter.com/wealthxdesign">On Twitter</a></li> </ul> See you in 2021!

<description>&lt;p&gt;&lt;span style="font-weight: 400;"&gt;Hello, loyal listeners! We wanted to let you know that we have a quick update on the podcast and a few things that are happening over at&lt;/span&gt; &lt;a href= "https://toujoursplanning.com/"&gt;&lt;strong&gt;Toujours Planning&lt;/strong&gt;&lt;/a&gt; &lt;span style="font-weight: 400;"&gt;right now.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;As you may know, we are a Lake Charles-based business and family, and our community, homes, and offices were devastated by Hurricane Laura in August. While we work to rebuild our community and also weather other storms that have come through the area, we are taking a break from the Wealth by Design podcast.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;We do not know how long it will take to return to “normal,” whatever that means. In the meantime, we ask that willing listeners of the podcast donate to Lake Charles and Louisiana recovery efforts.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;We are personally supporting the Community Foundation of Southwest Louisiana, an organization that has helped care for people who’ve lost their homes and livelihoods, as well as get our community up and running again. If you are able and interested, please donate here:&lt;/span&gt; &lt;a href= "https://www.foundationswla.org/"&gt;&lt;span style= "font-weight: 400;"&gt;https://www.foundationswla.org/&lt;/span&gt;&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;In the meantime, we thank you for being a listener of the Wealth by Design podcast, and we hope to be back on the airwaves soon!&lt;/span&gt;&lt;/p&gt; &lt;h3&gt;LINK TO DONATE:&lt;/h3&gt; &lt;ul&gt; &lt;li&gt;&lt;a class="ProsemirrorEditor-link" href= "https://www.foundationswla.org/"&gt;https://www.foundationswla.org/&lt;/a&gt;&lt;/li&gt; &lt;/ul&gt; &lt;h3&gt;&lt;strong&gt;CONNECT WITH DANIELLE AND DUSTIN&lt;/strong&gt;&lt;/h3&gt; &lt;ul&gt; &lt;li&gt;&lt;a href="https://toujoursplanning.com/contact"&gt;&lt;strong&gt;Ask Your Questions&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li&gt;&lt;a href="http://facebook.com/toujoursplanning"&gt;&lt;strong&gt;On Facebook&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li&gt;&lt;a href="https://twitter.com/wealthxdesign"&gt;&lt;strong&gt;On Twitter&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;/ul&gt; &lt;p&gt;&lt;strong&gt;See you in 2021!&lt;/strong&gt;&lt;/p&gt;</description>

Hello, loyal listeners! We wanted to let you know that we have a quick update on the podcast and a few things that are happening over at  right now. As you may know, we are a Lake Charles-based business and family, and our community, homes, and...

MINISODE: Hurricane Hiatus - An Update on the Wealth by Design Podcast

When you decide to get your financial ducks in a row, you probably start to look for help with a good old Google search. But when you look up “financial advisor,” “financial planner,” “planning for retirement” or any variation of your financial needs… you might get confused. Quickly. Why? Because there are so many titles for financial professionals out there. Do you need a financial planner? A financial advisor? An investment professional? A money coach? And what are those initials after their names?! In this minisode, Dustin briefly describes the different types of financial professionals and designations you may see and explains when you’ll want to call a CERTIFIED FINANCIAL PLANNER™ professional. WHAT YOU’LL LEARN <ul> <li>The different titles of financial professionals</li> <li>The designations and licenses that financial advisors may have</li> <li>What a CERTIFIED FINANCIAL PLANNER™ professional does</li> <li>How a CFP® can help you</li> <li>The three Es of the CERTIFIED FINANCIAL PLANNER™ designation</li> </ul> Watch this week’s episode: <a href= "https://youtu.be/3UQ7soViuUg">https://youtu.be/3UQ7soViuUg</a>  Want more quick tips like this? Make sure you’re subscribed to the Wealth by Design podcast! This material is for general information only and is not intended to provide specific advice or recommendations for any individual. RESOURCES & PEOPLE MENTIONED <ul> <li style="list-style-type: none;"> <ul> <li style="font-weight: 400;"><a href= "https://toujoursplanning.com/2018/02/choosing-personal-finance-professional-financial-coach-financial-advisor-financial-planner-use-episode-15/"> How to choose which financial professional you need: Episode 015</a> </li> <li style="font-weight: 400;">Sign up for our free <a href= "https://dustinanddanielle.lpages.co/know-your-numbers-challenge/"> Know Your Numbers challenge</a>!</li> <li style="font-weight: 400;"><a href= "https://dustinanddanielle.lpages.co/wxd-coming-soon/">Check out our DIY Financial Planning Course</a></li> <li style="font-weight: 400;">Our <a href= "https://www.youtube.com/channel/UCGJGmtfRz_PvHRr4LTKbt1A">YouTube Channel</a></li> <li style="font-weight: 400;"><a href= "https://toujoursplanning.typeform.com/to/k4XD8A">Schedule a free call with us</a> — Are we a good fit for your financial planning needs?</li> </ul> </li> </ul> CONNECT WITH DANIELLE AND DUSTIN <ul> <li style="list-style-type: none;"> <ul> <li style="font-weight: 400;"><a href= "https://toujoursplanning.com/contact">Ask Your Questions</a></li> <li style="font-weight: 400;"><a href= "http://facebook.com/toujoursplanning">On Facebook</a></li> <li style="font-weight: 400;"><a href= "https://twitter.com/wealthxdesign">On Twitter</a></li> </ul> </li> </ul>

<description>&lt;p&gt;&lt;span style="font-weight: 400;"&gt;When you decide to get your financial ducks in a row, you probably start to look for help with a good old Google search. But when you look up “financial advisor,” “financial planner,” “planning for retirement” or any variation of your financial needs… you might get confused. Quickly.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Why? Because there are so many titles for financial professionals out there. Do you need a financial planner? A financial advisor? An investment professional? A money coach? And what are those initials after their names?!&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;In this minisode, Dustin briefly describes the different types of financial professionals and designations you may see and explains when you’ll want to call a CERTIFIED FINANCIAL PLANNER™ professional.&lt;/span&gt;&lt;/p&gt; &lt;h2&gt;&lt;span style="font-weight: 400;"&gt;WHAT YOU’LL LEARN&lt;/span&gt;&lt;/h2&gt; &lt;ul&gt; &lt;li&gt;&lt;span style="font-weight: 400;"&gt;The different titles of financial professionals&lt;/span&gt;&lt;/li&gt; &lt;li&gt;The designations and licenses that financial advisors may have&lt;/li&gt; &lt;li&gt;What a CERTIFIED FINANCIAL PLANNER™ professional does&lt;/li&gt; &lt;li&gt;How a CFP® can help you&lt;/li&gt; &lt;li&gt;The three Es of the CERTIFIED FINANCIAL PLANNER™ designation&lt;/li&gt; &lt;/ul&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Watch this week’s episode: &lt;a href= "https://youtu.be/3UQ7soViuUg"&gt;https://youtu.be/3UQ7soViuUg&lt;/a&gt; &lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Want more quick tips like this? Make sure you’re subscribed to the Wealth by Design podcast!&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;em&gt;&lt;span style="font-weight: 400;"&gt;This material is for general information only and is not intended to provide specific advice or recommendations for any individual.&lt;/span&gt;&lt;/em&gt;&lt;/p&gt; &lt;h3&gt;&lt;strong&gt;RESOURCES &amp; PEOPLE MENTIONED&lt;/strong&gt;&lt;/h3&gt; &lt;ul&gt; &lt;li style="list-style-type: none;"&gt; &lt;ul&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "https://toujoursplanning.com/2018/02/choosing-personal-finance-professional-financial-coach-financial-advisor-financial-planner-use-episode-15/"&gt; &lt;span style="font-weight: 400;"&gt;How to choose which financial professional you need: Episode 015&lt;/span&gt;&lt;/a&gt;&lt;span style= "font-weight: 400;"&gt; &lt;/span&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style="font-weight: 400;"&gt;Sign up for our free&lt;/span&gt; &lt;a href= "https://dustinanddanielle.lpages.co/know-your-numbers-challenge/"&gt;&lt;strong&gt; Know Your Numbers challenge&lt;/strong&gt;&lt;/a&gt;&lt;span style= "font-weight: 400;"&gt;!&lt;/span&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "https://dustinanddanielle.lpages.co/wxd-coming-soon/"&gt;&lt;strong&gt;Check out our DIY Financial Planning Course&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style= "font-weight: 400;"&gt;Our&lt;/span&gt; &lt;a href= "https://www.youtube.com/channel/UCGJGmtfRz_PvHRr4LTKbt1A"&gt;&lt;strong&gt;YouTube Channel&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "https://toujoursplanning.typeform.com/to/k4XD8A"&gt;&lt;strong&gt;Schedule a free call with us&lt;/strong&gt;&lt;/a&gt; &lt;span style="font-weight: 400;"&gt;— Are we a good fit for your financial planning needs?&lt;/span&gt;&lt;/li&gt; &lt;/ul&gt; &lt;/li&gt; &lt;/ul&gt; &lt;h3&gt;&lt;strong&gt;CONNECT WITH DANIELLE AND DUSTIN&lt;/strong&gt;&lt;/h3&gt; &lt;ul&gt; &lt;li style="list-style-type: none;"&gt; &lt;ul&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "https://toujoursplanning.com/contact"&gt;&lt;span style= "font-weight: 400;"&gt;Ask Your Questions&lt;/span&gt;&lt;/a&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "http://facebook.com/toujoursplanning"&gt;&lt;span style= "font-weight: 400;"&gt;On Facebook&lt;/span&gt;&lt;/a&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "https://twitter.com/wealthxdesign"&gt;&lt;span style= "font-weight: 400;"&gt;On Twitter&lt;/span&gt;&lt;/a&gt;&lt;/li&gt; &lt;/ul&gt; &lt;/li&gt; &lt;/ul&gt;</description>

When you decide to get your financial ducks in a row, you probably start to look for help with a good old Google search. But when you look up “financial advisor,” “financial planner,” “planning for retirement” or any variation of your...

MINISODE: Do You Need a Financial Advisor or a Certified Financial Planner™?

Sir John Templeton, an American-born British investor, banker, fund manager, and philanthropist, said this on investing: “Bull markets are born on pessimism, grown on skepticism, mature on optimism, and die on euphoria.” He was named “the greatest global stock picker of the century” by Money in the 1990s, so we’re inclined to listen to his advice.  In this new minisode, Dustin breaks down each part of Sir Templeton’s quote. He also discusses timing the stock market, why it’s a bad idea, and what you should do instead.  WHAT YOU’LL LEARN <ul> <li style="font-weight: 400;">The “stock market trap”</li> <li style="font-weight: 400;">How fear clouds our judgment</li> <li style="font-weight: 400;">...and greed affects it, too</li> <li style="font-weight: 400;">Pick a strategy and stick with it for awhile</li> </ul> This material is for general information only and is not intended to provide specific advice or recommendations for any individual. RESOURCES & PEOPLE MENTIONED   <ul> <li>More on fear and greed in investing in <a href= "https://toujoursplanning.com/2020/02/104-how-the-laws-of-human-nature-relate-to-investing/"> Episode 104</a></li> <li>More on timing the market in <a href= "https://toujoursplanning.com/2020/05/107-the-key-to-consistency-in-investing/"> Episode 107</a></li> <li>Check out our new program, <a href= "https://www.wealthbydesigndiy.com/">Wealth by Design™ DIY</a>!</li> <li>Join the <a href= "https://dustinanddanielle.lpages.co/know-your-numbers-challenge/"> Know Your Numbers</a> challenge</li> <li><a href= "https://toujoursplanning.typeform.com/to/k4XD8A">Schedule a free call with us</a> — Are we a good fit for your financial planning needs?</li> </ul>   CONNECT WITH DANIELLE AND DUSTIN <ul> <li style="font-weight: 400;"><a href= "https://toujoursplanning.com/contact">Ask Your Questions</a></li> <li style="font-weight: 400;"><a href= "http://facebook.com/toujoursplanning">On Facebook</a></li> <li style="font-weight: 400;"><a href= "https://twitter.com/worthit_podcast">On Twitter</a></li> </ul>

<description>&lt;p&gt;&lt;span style="font-weight: 400;"&gt;Sir John Templeton, an American-born British investor, banker, fund manager, and philanthropist, said this on investing: “Bull markets are born on pessimism, grown on skepticism, mature on optimism, and die on euphoria.”&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;He was named “the greatest global stock picker of the century” by&lt;/span&gt; &lt;em&gt;&lt;span style= "font-weight: 400;"&gt;Money&lt;/span&gt;&lt;/em&gt; &lt;span style= "font-weight: 400;"&gt;in the 1990s, so we’re inclined to listen to his advice. &lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;In this new minisode, Dustin breaks down each part of Sir Templeton’s quote. He also discusses timing the stock market, why it’s a bad idea, and what you should do instead. &lt;/span&gt;&lt;/p&gt; &lt;h2&gt;&lt;strong&gt;WHAT YOU’LL LEARN&lt;/strong&gt;&lt;/h2&gt; &lt;ul&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style="font-weight: 400;"&gt;The “stock market trap”&lt;/span&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style="font-weight: 400;"&gt;How fear clouds our judgment&lt;/span&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style= "font-weight: 400;"&gt;...and greed affects it, too&lt;/span&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style="font-weight: 400;"&gt;Pick a strategy and stick with it for awhile&lt;/span&gt;&lt;/li&gt; &lt;/ul&gt; &lt;p&gt;&lt;em&gt;&lt;span style="font-weight: 400;"&gt;This material is for general information only and is not intended to provide specific advice or recommendations for any individual.&lt;/span&gt;&lt;/em&gt;&lt;/p&gt; &lt;h3&gt;&lt;strong&gt;RESOURCES &amp; PEOPLE MENTIONED&lt;/strong&gt;&lt;/h3&gt; &lt;p&gt; &lt;/p&gt; &lt;ul&gt; &lt;li&gt;&lt;strong&gt;&lt;span style="font-weight: 400;"&gt;More on fear and greed in investing in&lt;/span&gt; &lt;a href= "https://toujoursplanning.com/2020/02/104-how-the-laws-of-human-nature-relate-to-investing/"&gt; Episode 104&lt;/a&gt;&lt;/strong&gt;&lt;/li&gt; &lt;li&gt;&lt;span style="font-weight: 400;"&gt;More on timing the market in&lt;/span&gt; &lt;a href= "https://toujoursplanning.com/2020/05/107-the-key-to-consistency-in-investing/"&gt; &lt;strong&gt;Episode 107&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li&gt;&lt;span style="font-weight: 400;"&gt;Check out our new program,&lt;/span&gt; &lt;a href= "https://www.wealthbydesigndiy.com/"&gt;&lt;strong&gt;Wealth by Design™ DIY&lt;/strong&gt;&lt;/a&gt;&lt;span style="font-weight: 400;"&gt;!&lt;/span&gt;&lt;/li&gt; &lt;li&gt;&lt;span style="font-weight: 400;"&gt;Join the&lt;/span&gt; &lt;a href= "https://dustinanddanielle.lpages.co/know-your-numbers-challenge/"&gt;&lt;strong&gt; Know Your Numbers&lt;/strong&gt;&lt;/a&gt; &lt;span style= "font-weight: 400;"&gt;challenge&lt;/span&gt;&lt;/li&gt; &lt;li&gt;&lt;a href= "https://toujoursplanning.typeform.com/to/k4XD8A"&gt;&lt;strong&gt;Schedule a free call with us&lt;/strong&gt;&lt;/a&gt; &lt;span style="font-weight: 400;"&gt;— Are we a good fit for your financial planning needs?&lt;/span&gt;&lt;/li&gt; &lt;/ul&gt; &lt;p&gt; &lt;/p&gt; &lt;h3&gt;&lt;strong&gt;CONNECT WITH DANIELLE AND DUSTIN&lt;/strong&gt;&lt;/h3&gt; &lt;div style="margin-left: 4em"&gt; &lt;ul&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "https://toujoursplanning.com/contact"&gt;&lt;strong&gt;Ask Your Questions&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "http://facebook.com/toujoursplanning"&gt;&lt;strong&gt;On Facebook&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "https://twitter.com/worthit_podcast"&gt;&lt;strong&gt;On Twitter&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;/ul&gt; &lt;/div&gt;</description>

Sir John Templeton, an American-born British investor, banker, fund manager, and philanthropist, said this on investing: “Bull markets are born on pessimism, grown on skepticism, mature on optimism, and die on euphoria.” He was named “the...

MINISODE: Are You Falling into This Stock Market Trap?

We’ll keep the intrigue to a minimum. In our opinion, the answer to this question is a resounding yes.  Whether you’ve just gotten married (congrats!) or you’re in a committed, long-term relationship, it may be a good idea to have a joint account with your partner. Sharing your finances with your partner builds trust. Keeping them separate can breed suspicion and worry; plus, separate accounts keep your partner out of the loop on your day-to-day spending and savings habits. Why do partners keep separate accounts? It may be a leftover habit from when you were dating. Or, you may have seen your parents control their accounts separately and assume that’s the best, or only, option.   The good news is, there’s still time to change things if you’re considering opening a joint account. Tune in to the full minisode for all the deets from Dustin! It’s only a few minutes, so you have no excuse to not tune in... WHAT YOU’LL LEARN <ul> <li style="font-weight: 400;">Reasons why people might keep separate accounts</li> <li style="font-weight: 400;">Community property laws</li> <li style="font-weight: 400;">The importance of trust in a marriage</li> <li style="font-weight: 400;">Arguments against joint accounts (that are actually red flags)</li> </ul> This material is for general information only and is not intended to provide specific advice or recommendations for any individual. RESOURCES & PEOPLE MENTIONED   <ul> <li>The <a href= "https://www.businessinsider.com/personal-finance/which-states-are-community-property-states-in-divorce"> nine community property states</a></li> <li>The other states follow <a href= "https://www.investopedia.com/terms/e/equitable-division.asp"> equitable distribution laws</a></li> <li>Check out our new program, <a href= "https://www.wealthbydesigndiy.com/">Wealth by Design™ DIY</a>!</li> <li>Join the <a href= "https://dustinanddanielle.lpages.co/know-your-numbers-challenge/"> Know Your Numbers</a> challenge</li> <li><a href= "https://toujoursplanning.typeform.com/to/k4XD8A">Schedule a free call with us</a> — Are we a good fit for your financial planning needs?</li> </ul>   CONNECT WITH DANIELLE AND DUSTIN <ul> <li style="font-weight: 400;"><a href= "https://toujoursplanning.com/contact">Ask Your Questions</a></li> <li style="font-weight: 400;"><a href= "http://facebook.com/toujoursplanning">On Facebook</a></li> <li style="font-weight: 400;"><a href= "https://twitter.com/worthit_podcast">On Twitter</a></li> </ul>

<description>&lt;p&gt;&lt;span style="font-weight: 400;"&gt;We’ll keep the intrigue to a minimum. In our opinion, the answer to this question is a resounding&lt;/span&gt; &lt;em&gt;&lt;span style= "font-weight: 400;"&gt;yes. &lt;/span&gt;&lt;/em&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Whether you’ve just gotten married (congrats!) or you’re in a committed, long-term relationship, it may be a good idea to have a joint account with your partner. Sharing your finances with your partner builds trust. Keeping them separate can breed suspicion and worry; plus, separate accounts keep your partner out of the loop on your day-to-day spending and savings habits.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Why do partners keep separate accounts? It may be a leftover habit from when you were dating. Or, you may have seen your parents control their accounts separately and assume that’s the best, or only, option.  &lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;The good news is, there’s still time to change things if you’re considering opening a joint account. Tune in to the full minisode for all the deets from Dustin! It’s only a few minutes, so you have no excuse to not tune in...&lt;/span&gt;&lt;/p&gt; &lt;h2&gt;&lt;strong&gt;WHAT YOU’LL LEARN&lt;/strong&gt;&lt;/h2&gt; &lt;ul&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style= "font-weight: 400;"&gt;Reasons why people might keep separate accounts&lt;/span&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style= "font-weight: 400;"&gt;Community property laws&lt;/span&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style="font-weight: 400;"&gt;The importance of trust in a marriage&lt;/span&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style= "font-weight: 400;"&gt;Arguments against joint accounts (that are actually red flags)&lt;/span&gt;&lt;/li&gt; &lt;/ul&gt; &lt;p&gt;&lt;em&gt;&lt;span style="font-weight: 400;"&gt;This material is for general information only and is not intended to provide specific advice or recommendations for any individual.&lt;/span&gt;&lt;/em&gt;&lt;/p&gt; &lt;h3&gt;&lt;strong&gt;RESOURCES &amp; PEOPLE MENTIONED&lt;/strong&gt;&lt;/h3&gt; &lt;p&gt; &lt;/p&gt; &lt;ul&gt; &lt;li&gt;&lt;strong&gt;&lt;span style="font-weight: 400;"&gt;The&lt;/span&gt; &lt;a href= "https://www.businessinsider.com/personal-finance/which-states-are-community-property-states-in-divorce"&gt; nine community property states&lt;/a&gt;&lt;/strong&gt;&lt;/li&gt; &lt;li&gt;&lt;span style="font-weight: 400;"&gt;The other states follow&lt;/span&gt; &lt;a href= "https://www.investopedia.com/terms/e/equitable-division.asp"&gt;&lt;strong&gt; equitable distribution laws&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li&gt;&lt;span style="font-weight: 400;"&gt;Check out our new program,&lt;/span&gt; &lt;a href= "https://www.wealthbydesigndiy.com/"&gt;&lt;strong&gt;Wealth by Design™ DIY&lt;/strong&gt;&lt;/a&gt;&lt;span style="font-weight: 400;"&gt;!&lt;/span&gt;&lt;/li&gt; &lt;li&gt;&lt;span style="font-weight: 400;"&gt;Join the&lt;/span&gt; &lt;a href= "https://dustinanddanielle.lpages.co/know-your-numbers-challenge/"&gt;&lt;strong&gt; Know Your Numbers&lt;/strong&gt;&lt;/a&gt; &lt;span style= "font-weight: 400;"&gt;challenge&lt;/span&gt;&lt;/li&gt; &lt;li&gt;&lt;a href= "https://toujoursplanning.typeform.com/to/k4XD8A"&gt;&lt;strong&gt;Schedule a free call with us&lt;/strong&gt;&lt;/a&gt; &lt;span style="font-weight: 400;"&gt;— Are we a good fit for your financial planning needs?&lt;/span&gt;&lt;/li&gt; &lt;/ul&gt; &lt;p&gt; &lt;/p&gt; &lt;h3&gt;&lt;strong&gt;CONNECT WITH DANIELLE AND DUSTIN&lt;/strong&gt;&lt;/h3&gt; &lt;div style="margin-left: 4em"&gt; &lt;ul&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "https://toujoursplanning.com/contact"&gt;&lt;strong&gt;Ask Your Questions&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "http://facebook.com/toujoursplanning"&gt;&lt;strong&gt;On Facebook&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "https://twitter.com/worthit_podcast"&gt;&lt;strong&gt;On Twitter&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;/ul&gt; &lt;/div&gt;</description>

We’ll keep the intrigue to a minimum. In our opinion, the answer to this question is a resounding yes.  Whether you’ve just gotten married (congrats!) or you’re in a committed, long-term relationship, it may be a good idea to have a joint...

MINISODE: Should You Have a Joint Account with Your Partner?

In March of 2020, we saw the stock market tumble 30% in one month. In the following few months, we’ve gained most of that back. What is happening?? In this minisode (seriously, it’s less than three minutes!), Dustin recaps what a stock actually is — in case you’ve forgotten amidst all the panicked COVID-19 stock market talk — and how stocks are bought and sold. He discusses how people’s emotions cause those peaks and valleys in the stock market, and how you can avoid that dangerous herd mentality when it comes to your own investing. WHAT YOU’LL LEARN <ul> <li style="font-weight: 400;">What a stock is</li> <li style="font-weight: 400;">The basics of buying and selling stocks</li> <li style="font-weight: 400;">How fear and greed cause swings in the market </li> <li style="font-weight: 400;">Dustin’s secret to investing</li> </ul> This material is for general information only and is not intended to provide specific advice or recommendations for any individual. RESOURCES & PEOPLE MENTIONED   <ul> <li>Dustin shares more <a href= "https://toujoursplanning.com/2017/12/investing-basics-with-dustin-granger-cfp-episode-7/"> stock market basics</a> in Episode 7!</li> <li>More on <a href= "https://toujoursplanning.com/2020/02/104-how-the-laws-of-human-nature-relate-to-investing/"> fear, greed, and herd mentality</a> in Episode 10</li> <li>Check out our <a href= "https://www.wealthbydesigndiy.com/">DIY Financial Planning Course</a></li> <li>Sign up for our free <a href= "https://dustinanddanielle.lpages.co/know-your-numbers-challenge/"> Know Your Numbers challenge</a></li> <li>We have more minisodes on our <a href= "https://www.youtube.com/channel/UCGJGmtfRz_PvHRr4LTKbt1A">YouTube Channel</a></li> <li><a href= "https://toujoursplanning.typeform.com/to/k4XD8A">Schedule a free call with us</a> — Are we a good fit for your financial planning needs?</li> </ul>   CONNECT WITH DANIELLE AND DUSTIN <ul> <li style="font-weight: 400;"><a href= "https://toujoursplanning.com/contact">Ask Your Questions</a></li> <li style="font-weight: 400;"><a href= "http://facebook.com/toujoursplanning">On Facebook</a></li> <li style="font-weight: 400;"><a href= "https://twitter.com/worthit_podcast">On Twitter</a></li> </ul>

<description>&lt;p&gt;&lt;span style="font-weight: 400;"&gt;In March of 2020, we saw the stock market tumble 30% in&lt;/span&gt; &lt;em&gt;&lt;span style= "font-weight: 400;"&gt;one month&lt;/span&gt;&lt;/em&gt;&lt;span style= "font-weight: 400;"&gt;. In the following few months, we’ve gained most of that back. What is&lt;/span&gt; &lt;em&gt;&lt;span style= "font-weight: 400;"&gt;happening&lt;/span&gt;&lt;/em&gt;&lt;span style= "font-weight: 400;"&gt;??&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;In this minisode (seriously, it’s less than three minutes!), Dustin recaps what a stock actually is — in case you’ve forgotten amidst all the panicked COVID-19 stock market talk — and how stocks are bought and sold. He discusses how people’s emotions cause those peaks and valleys in the stock market, and how&lt;/span&gt; &lt;em&gt;&lt;span style= "font-weight: 400;"&gt;you&lt;/span&gt;&lt;/em&gt; &lt;span style= "font-weight: 400;"&gt;can avoid that dangerous herd mentality when it comes to your own investing.&lt;/span&gt;&lt;/p&gt; &lt;h2&gt;&lt;strong&gt;WHAT YOU’LL LEARN&lt;/strong&gt;&lt;/h2&gt; &lt;ul&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style="font-weight: 400;"&gt;What a stock is&lt;/span&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style="font-weight: 400;"&gt;The basics of buying and selling stocks&lt;/span&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style="font-weight: 400;"&gt;How fear and greed cause swings in the market &lt;/span&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;span style= "font-weight: 400;"&gt;Dustin’s secret to investing&lt;/span&gt;&lt;/li&gt; &lt;/ul&gt; &lt;p&gt;&lt;em&gt;&lt;span style="font-weight: 400;"&gt;This material is for general information only and is not intended to provide specific advice or recommendations for any individual.&lt;/span&gt;&lt;/em&gt;&lt;/p&gt; &lt;h3&gt;&lt;strong&gt;RESOURCES &amp; PEOPLE MENTIONED&lt;/strong&gt;&lt;/h3&gt; &lt;p&gt; &lt;/p&gt; &lt;ul&gt; &lt;li&gt;&lt;strong&gt;&lt;span style="font-weight: 400;"&gt;Dustin shares more&lt;/span&gt; &lt;a href= "https://toujoursplanning.com/2017/12/investing-basics-with-dustin-granger-cfp-episode-7/"&gt; stock market basics&lt;/a&gt; &lt;span style="font-weight: 400;"&gt;in Episode 7!&lt;/span&gt;&lt;/strong&gt;&lt;/li&gt; &lt;li&gt;&lt;span style="font-weight: 400;"&gt;More on&lt;/span&gt; &lt;a href= "https://toujoursplanning.com/2020/02/104-how-the-laws-of-human-nature-relate-to-investing/"&gt; fear, greed, and herd mentality&lt;/a&gt; &lt;span style= "font-weight: 400;"&gt;in Episode 10&lt;/span&gt;&lt;/li&gt; &lt;li&gt;&lt;span style="font-weight: 400;"&gt;Check out our&lt;/span&gt; &lt;a href= "https://www.wealthbydesigndiy.com/"&gt;&lt;strong&gt;DIY Financial Planning Course&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li&gt;&lt;span style="font-weight: 400;"&gt;Sign up for our free&lt;/span&gt; &lt;a href= "https://dustinanddanielle.lpages.co/know-your-numbers-challenge/"&gt;&lt;strong&gt; Know Your Numbers challenge&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li&gt;&lt;span style="font-weight: 400;"&gt;We have more minisodes on our&lt;/span&gt; &lt;a href= "https://www.youtube.com/channel/UCGJGmtfRz_PvHRr4LTKbt1A"&gt;&lt;strong&gt;YouTube Channel&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li&gt;&lt;a href= "https://toujoursplanning.typeform.com/to/k4XD8A"&gt;&lt;strong&gt;Schedule a free call with us&lt;/strong&gt;&lt;/a&gt; &lt;span style="font-weight: 400;"&gt;— Are we a good fit for your financial planning needs?&lt;/span&gt;&lt;/li&gt; &lt;/ul&gt; &lt;p&gt; &lt;/p&gt; &lt;h3&gt;&lt;strong&gt;CONNECT WITH DANIELLE AND DUSTIN&lt;/strong&gt;&lt;/h3&gt; &lt;div style="margin-left: 4em"&gt; &lt;ul&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "https://toujoursplanning.com/contact"&gt;&lt;strong&gt;Ask Your Questions&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "http://facebook.com/toujoursplanning"&gt;&lt;strong&gt;On Facebook&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;li style="font-weight: 400;"&gt;&lt;a href= "https://twitter.com/worthit_podcast"&gt;&lt;strong&gt;On Twitter&lt;/strong&gt;&lt;/a&gt;&lt;/li&gt; &lt;/ul&gt; &lt;/div&gt; &lt;p&gt; &lt;/p&gt;</description>

In March of 2020, we saw the stock market tumble 30% in one month. In the following few months, we’ve gained most of that back. What is happening?? In this minisode (seriously, it’s less than three minutes!), Dustin recaps what a stock actually is...

MINISODE: When Stock Markets Dip and Bounce Back

*Formally known at Worth It Podcast*

Welcome to Wealth by Design, a financial planning podcast for successful, modern-day biz owners + creative entrepreneurs. Here, you'll get the tools you need to dream, design, and do what it takes to live life on your terms.
 
Danielle & Dustin, a brother & sister CFP®️ duo, are devoted to educating modern-day entrepreneurs about life, biz, and financial planning so they can create a blueprint to real wealth. Together, they cover topics about the unique challenges and opportunities presented by self-employment and entrepreneurship. Each episode is designed to show you how to feel secure, wealthy, and in control of your money + biz.
 
Ready to get started? Tune in. You can also take the first step in designing a life on your terms with our FREE guide, Wealth by Design: Your Blueprint to Real Wealth + Security: toujoursplanning.com/blueprint.
 
Dustin R. Granger, CEO & CFP ®️
Danielle Granger Nava, VP & CFP ®️

 
For a list of states in which the LPL Financial Registered Representatives associated with this site are registered to do business, please visit www.toujoursplanning.com. Securities offered through LPL Financial. Member FINRA/SIPC (www.finra.org | www.sipc.org). Investment advice offered through GWM Advisors, a registered investment advisor. GWM Advisors and Toujours Planning are separate entities from LPL Financial.

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