Joe did you ever work with clients who had a pretty late start when it came to managing their money?

I did all the time I felt like that was more the norm than it should have been like people

always came in way too late because they thought well I don't really have much to work with

so and then when they had a lot to work with it was all in the wrong place it's like let me finish

messing everything up myself before I go get. Well, the first call that we're going to hear today comes from someone who started late, but turned it around.

Hey, oh, yeah.

So welcome to the Afford Anything Podcast, the show that understands you can afford anything but

not everything.

Every choice that you make carries a trade-off.

And that doesn't just apply to your money, it to your time your focus your energy your attention to any limited resource you need to manage and that opens up two questions first what matters most and second how do you make decisions accordingly.

Answering these questions is a lifetime practice.

That's what this show is here to explore.

I am your host, Paula Panth, every other episode we answer questions that come from you, the community, and my

buddy former financial planner Josol Seehi joins me to do so. What's up Joe?

What's happening, Paula? We've got some great questions today. We're going to hear from Christina who is

tired of living like a pauper in the name of student loan repayment. We're also

going to hear from Christine, not to be confused with Christina, whose business is

struggling and she needs more income and she's thinking about adding a full-time remote

job to her plate. We're going to hear from Rob who enjoyed a

banner year in 2023. He made over a million dollars, but he is feeling the

sting of income taxes and we're going to hear from Gina who is

excited to make the most of business deductions. We're also going to throw back a

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