You don’t need to work longer, you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call  In this episode we talked about:+Preserving language and culture is important for maintaining identity and heritage. +Having a solid retirement plan is crucial, and it's important to not be overly concerned with short-term market fluctuations. +Being connected to nature and being exposed to dirt and natural elements can have health benefits. +Taking the win in retirement planning means making conservative financial decisions as you approach retirement to ensure a stable financial foundation.  0:01 Introduction 04:15 Preserving Language and Culture 08:25 The Impact of the Steel Industry on Pittsburgh Connect with CD Financial for More Insights: Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/ Subscribe and Stay UpdatedDon't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement. Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call #RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy #languagepreservation in #culture #steelindustry #marketfluctuations #healthbenefitsSupport the Show.

You don’t need to work longer, you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callSummary:In this conversation, Marcus shares a story about preparing a high-quality meal for his 20th anniversary, emphasizing the importance of starting with good ingredients. They also talk about the benefits of dry-aged steak and the pairing of Spanish wine with food. The conversation transitions to Chuck's experience raising chickens and using their fresh eggs in cooking with his father-in-law. They highlight the significance of using high-quality ingredients in simple dishes. The conversation covers various topics related to food and finance. The hosts discuss the importance of high-quality ingredients in both food and financial planning. They also touch on the effects of high fructose corn syrup and the benefits of organic and locally sourced food. In terms of finance, they talk about the impact of interest rates on investments and the need for a solid retirement income plan. The conversation concludes with a mention of Ollie Pop soda and the importance of choosing natural ingredients.Takeaways:Starting with high-quality ingredients is essential for creating a delicious meal.Dry-aged steak and Spanish wine make for a great pairing.Raising chickens and using fresh eggs can enhance the quality of dishes.Using fewer ingredients in a dish can still result in a flavorful and satisfying meal. High-quality ingredients are important in both food and financial planning.High fructose corn syrup can have negative health effects.Organic and locally sourced food is beneficial for health.Interest rates can impact investments.A solid retirement income plan is crucial.Choosing natural ingredients is important in food and beverages.Sound Bites"I went to a local place that ages their own beef""They dry age those steaks a minimum of a month""It's all about sharing.""The Chuck Retirement Course CRC""Mexican Coke, the best choice of sweetener."Chapters00:00 Podcast intro09:21 The Importance of Starting with Good Ingredients26:00 The Benefits of Organic and Locally Sourced Food32:07 The Need for a Solid Retirement Income PlanConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website at https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy #high-qualityingredients #dry-agedsteak #Spanishwine #highfructosecornsyrupSupport the Show.

Understanding FEHB and Medicare Part B in Retirement This podcast was originally a YouTube video, you can watch that video here: Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategySupport the Show.

This podcast was originally a YouTube video, you can watch that video here: https://www.youtube.com/watch?v=TFXOJL8_fZ4&feature=youtu.beRemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dza...#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategySupport the Show.

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/QI3EDyNNTJERemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dza...#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategySupport the Show.

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/_sjSPPPnci8Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dza...#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategySupport the Show.

How Can I Get Rid of Taxes?  - What Do I Get to Keep In Retirement?  - Making a Plan to Get Rid of Uncle Sam & the State! Click this link for a complimentary 15 minute phone call: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call Click the subscribe button and bell to stay up to date! Connect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Schedule a consultation with Charles to tailor a plan that suits your unique financial goals. https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call or email us at info@cdfinancial.org with questions or ideas you’d like to have answered each weekSupport the Show.

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/FeZmlEP-t38Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dza...#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy #FederalBenefitsSupport the Show.

This podcast was originally a YouTube video, you can watch that video here: Video Link: https://youtu.be/0jO8C7SNZXoBlog Link: https://medium.com/@CDFinancial/why-do-i-love-what-i-do-a-path-to-better-health-and-wealth-1c299d868c60Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dza...#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategySupport the Show.

This podcast was originally a YouTube video, you can watch that video here: Video Link: https://youtu.be/CC-o26wYWbwBlog Link: https://medium.com/@CDFinancial/the-gap-federal-benefits-to-written-retirement-income-plan-6612ff66b7c4Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dza...#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategySupport the Show.

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/nskp4yzC4fkRemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dza...#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategySupport the Show.

Will your retirement income cover all the awesome adventures you have planned?This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/bdTEzfXx9WsRemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dza...#RetirementPlanning #FinancialAdvice #InvestmentStrategy #FinancialPlanningSupport the Show.

One of the things that you want to consider is that, as a federal employee, you have this thing called a pension. You don’t need to work longer; you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callThis podcast was originally a YouTube video, you can watch that video here: https://youtu.be/MVvGsxsg0hYDiscover the importance of considering the federal employee pension and other benefits, which provide a monthly payment separate from TSP. Assess the true value of federal benefits against potentially higher salaries in the private industry.0:001 Introduction: Considering a Career Change0:51 Understanding the Federal Employee Pension1:49 The Value of Federal Employee Benefits3:07 The Perks of Annual Leave and Paid Holidays5:56 The Importance of Health Insurance7:32 Understanding the Thrift Savings Plan (TSP)9:31 Weighing the Pros and Cons of a Job Change11:28 Considering Quality of Life and Future Opportunities12:27 Understanding Cost of Living Adjustments and Pay Increases13:42 Conclusion: Making an Informed Decision--------------------Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dza...#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategySupport the Show.

This podcast was originally a YouTube video, you can watch that video here:  https://youtu.be/UMzK2Fq7ZzERemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callThe differences between traditional and Roth retirement savings plans. Highlighting the importance of disciplined saving for retirement and the two main ways to save: traditional (pre-tax) and Roth (after-tax). Traditional savings lower your taxable income in the year you contribute, but withdrawals are taxable. Roth savings do not lower your current taxable income, but withdrawals are tax-free. Comparing organic to conventional spinach to illustrate the difference between the two suggests Roth savings, like organic spinach, require more upfront effort and cost but are ultimately more rewarding.00:00 Introduction to Retirement Planning00:22 Understanding Traditional Retirement Savings01:02 Exploring the Roth Retirement Savings Option01:41 The Spinach Analogy: Traditional vs Roth Retirement Savings02:55 The Taste Test: Comparing the Outcomes03:07 Conclusion: Choosing Between Bitter or Sweet--------------------------------------------------------------Connect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.orgSubscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dza...#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategyLearn the secrets to retiring with confidence and living a stress-free life. You don’t need to work longer; you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callSupport the Show.

You don’t need to work longer, you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callUnderstanding the Risks and Challenges of DIY InvestingThis video discusses the risks and challenges of Do-It-Yourself (DIY) investing by presenting three major concerns: The potential for mistakes that could jeopardize retirement plans, the burden of managing investments personally, and the lack of testing resources to ensure the viability of investment decisions. Charles emphasizes the invaluable role of investment professionals, who can help manage various scenarios and prevent irrecoverable errors. The value of consulting a fiduciary, who prioritizes the clients' interests, is highlighted. The video underscores the importance of securing a stable income through mindful investments without having to embark on the challenging task of personal investing. Lastly, it highlights the critical aspect of considering the potential impact of investment mistakes, likening it to a cooking scenario, where the lack of culinary experience could ruin a potentially good meal. Leave a comment with your takeaways!00:00 Introduction to DIY Investing00:59 The Risks of DIY Investing02:06 The Benefits of Professional Financial Advice03:17 The Dangers of Making Investment Mistakes03:57 The Importance of Testing Your Investment Strategy05:18 The Cooking Analogy: DIY Investing vs. Professional Guidance07:07 Conclusion: The Value of Expertise in Investing07:20 Call to Action: Engage with the Video!Support the Show.

This podcast was originally a YouTube video, you can watch that video here: Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dza...#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategySupport the Show.

Struggling with TSP or 401k IRA losses? In this essential video, Charles offers expert advice on navigating these challenges with confidence. Discover the importance of having a well-thought-out financial plan to weather market fluctuations and secure your future.In This Video:0:09 Understanding the Importance of a Financial Plan: Learn how splitting your investments between income and growth can provide stability and mitigate risks associated with market losses.0:35 Balancing Your Portfolio: Insights into how you can diversify your investments in stable income funds and growth-oriented stock market funds, avoiding unnecessary risks like penny stocks.0:58 Staying Informed and Away from Drama: Charles emphasizes the value of having a plan and seeking advice from a fiduciary, helping you stay focused during market ups and downs without unnecessary worry.1:34 Patton’s Wisdom on Planning: Reflecting on Patton's quote, Charles underscores the urgency of implementing a good financial plan now, rather than waiting for a perfect plan.1:45 Take Control of Your Retirement Planning: Worried about the volatility of the stock market and its impact on your retirement plans? Charles guides you through understanding the market's nature and the importance of sticking to your long-term investment strategy for ultimate success.Connect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcSubscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation. https://calendly.com/charlesdzama/dza...#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy-------------------Visit our Website https://cdfinancial.org/Engaging Titles (for the algo's):How to Bounce Back from TSP and 401K LossesBuilding a Resilient Retirement Plan in Uncertain TimesThe Essential Guide to Surviving Market DownturnsSupport the Show.

Are you concerned about your financial future, especially in the face of stock market volatility? In this enlightening video, Charles shares invaluable insights on why sticking to your investment plan is crucial for long-term retirement success. He debunks common myths about retirement savings and offers practical advice for overcoming financial setbacks. Whether you're wondering if your current plan is sufficient or just seeking reassurance during market lows, this video is a must-watch for anyone aiming to build a solid financial foundation. Join Charles as he guides you through the journey of financial resilience and success.Support the Show.

This week's episode we will be discussing: -Why Pursue Leave Without Pay?-How to Accomplish This?-Helping Someone In Need?Click the subscribe button to stay up to date! We love hearing from you! Please email us with questions or ideas you’d like to have answered each week! Need a question answered or want to prepare for retirement now? Click here and schedule yourself for a 15 minute phone call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube. Cheers, Charles DzamaSupport the Show.

This week's episode we will be discussing: -Do I Really Make 5%?-Could Liquidity Be a Factor?-What Other Tools Could I Use To Compound Interest?Click the subscribe button to stay up to date! We love hearing from you! Please email us with questions or ideas you’d like to have answered each week! Need a question answered or want to prepare for retirement now? Click here and schedule yourself for a 15 minute phone call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube. Cheers, Charles DzamaSupport the Show.