Ep 03: Whole Life Insurance, Raise Mistakes, and Why Your Advisor Isn't Calling You Back

Will AI Take Your Job? + 7 More Money Questions | The Financial Plan Ep. 5

Eight real questions from listeners, answered straight. This week Jorge covers when to invest a lump sum versus dollar-cost averaging, whether a $10,000 certification actually pays off (and why learning AI might matter more), how to have the money conversation with aging parents, the trap of panic-selling, target-date funds, balancing living now with saving for later, and how to handle money when you get married. In this episode: • Lump sum vs. dollar-cost averaging • Roth IRA vs. a bigger down payment • Talking to your parents about their retirement • Is that $10K certification worth it? • What target-date funds are really doing • Spending now vs. saving in your 20s • Why panic-selling guarantees your losses• Combining finances after "I do" Got a question for a future episode? Email Jorge at jorge@vimwealthmanagement.com. Hosted by Jorge Tijerino, Chief Investment Officer at VIM Wealth Management. Disclosure: For educational and informational purposes only — not personalized investment advice. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. VIM Wealth Management is an SEC-registered investment advisor. Consult a qualified professional for your situation.

Ep 04 - Are You Really Behind? Decoding Retirement Statistics

Stop wondering if you're "on track" and start building a roadmap that actually fits your life. In this episode, host George Chirino breaks down the critical difference between average and median wealth, why your retirement date shouldn't be a guessing game, and how to balance the "sandwich generation" pressure of funding college while supporting aging parents—all while proving that financial freedom is about your personal goals, not keeping up with the Joneses.

Ep 03: Whole Life Insurance, Raise Mistakes, and Why Your Advisor Isn't Calling You Back

Seven real questions, straight answers. On this episode: how to allocate a big raise before lifestyle creep takes over, what to do with $1,200 of monthly surplus when you're 27, why the whole life insurance policy your bank pitched you is almost certainly not the right product, how to build a budget that doesn't require willpower to maintain, what financial moves to make when layoffs are announced before anything happens, what it means when your financial advisor goes silent for 8 months, and how to deploy a $50K inheritance without panic or impulse. If any of this hit close to home, book a call at www.tidycal.com/jorgetijerino [http://www.tidycal.com/jorgetijerino] The content on this show is for educational and informational purposes only and should not be considered personalized investment advice or a recommendation to buy or sell any securities. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. VIM Wealth Management is a registered investment advisor with the SEC. For guidance specific to your situation, consult a qualified financial professional.

Ep 02: Spenders vs. Savers, Retirement Math, and How to Find an Advisor You Can Trust

Six real questions, straight answers. On this episode: how to stop fighting with your partner about money, why retirement benchmarks are mostly useless, how to get your parents to talk about estate planning before it's too late, the data behind index funds vs. picking stocks, what the SECURE 2.0 Act changed about 529 plans, and two questions you should ask before hiring any financial advisor. If any of this hit close to home, book a call at www.tidycal.com/jorgetijerino [http://www.tidycal.com/jorgetijerino] The content on this show is for educational and informational purposes only and should not be considered personalized investment advice or a recommendation to buy or sell any securities. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. VIM Wealth Management is a registered investment advisor with the SEC. For guidance specific to your situation, consult a qualified financial professional.

Ep. 01: Debt vs. Investing, Roth IRAs, Lifestyle Creep, and Retiring on $430K

In the first episode of The Financial Plan, we're answering six listener questions covering some of the most common money dilemmas people face. We talk about whether you should pay off student loans or start investing, how to dig out of credit card debt as a single parent, the real difference between a 401(k) and a Roth IRA, what to do when you're sitting on a large life insurance payout and you're terrified to make a move, why high earners still feel broke at the end of the month, and how to figure out if your retirement savings are actually enough. Whether you're 26 and just starting out or 62 and planning your exit, there's something in here for you. Want to have a real conversation about your finances? Book a free consultation: https://www.tidycal.com/jorgetijerino [https://www.tidycal.com/jorgetijerino] This podcast is for educational and informational purposes only and does not constitute personalized investment advice. VIM Wealth Management is a registered investment advisor with the SEC. Please consult a qualified financial professional before making any financial decisions.