Real Life Planning Podcast

In Episode 92 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®,  is joined by Dr. Kim Bridges, CFP®, CDFA®, CPWA®,  RMA®,  founder of Bright Women Financial, for a powerful conversation about financial clarity, career decisions, and long-term consequences that often go unexamined. From stepping out of the workforce to the hidden risks women face later in life, Kim shares both her personal journey and the lessons she now teaches clients.This conversation goes beyond numbers. It is about understanding trade-offs, staying engaged in your financial life, and making decisions today that protect your future options.This week on Real Life Planning Podcast:💡How did Kim Bridges’ unconventional career path shape her approach to financial planning? [00:01:02]💡What are the long-term financial risks of stepping out of the workforce? [00:04:39]💡How can families balance career, caregiving, and financial independence? [00:08:47]💡Why do so many financial plans fail later in life, especially for women? [00:12:55]💡What practical steps can you take now to build clarity, confidence, and control over your money? [00:17:34]Takeaway Quotes:“When you stop contributing to retirement and Social Security, the long-term impact is bigger than most people realize.” — Kim Bridges“Avoiding your financial reality does not change it. It only limits your options later.” — Kim BridgesConnect with Kim Bridges:Website: https://brightwomenfinancial.com/FacebookLinkedInConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 91 of the Real Life Planning Podcast, Vekevia Tillman-Jones, CFP®, MBA, discusses the first-home-to-rental strategy, a practical approach that allows you to buy a primary residence today while keeping the option open to turn it into a rental later. This strategy is designed for people who want to build wealth without feeling stuck or overcommitted.From financing advantages to long-term flexibility, Vekevia explains how to think like a planner, not just a buyer, so your first home decision continues to work for you years down the line." You do not need certainty. You just need options.” - Vekevia Tillman-JonesThis week on Real Life Planning Podcast:💡What is the first-home-to-rental strategy and how does it work? [00:01:44]💡Why do primary residence loans make this strategy more accessible? [00:02:17]💡Why do you not need certainty to make a smart home buying decision? [00:03:02]💡What factors determine whether a home will work as a future rental? [00:03:22]💡What risks and planning considerations should you account for before making this move? [00:04:54]Takeaway Quotes:" Buying your first home is not just a transaction. It is a financial decision that affects everything else." — Vekevia Tillman-Jones" This is not about timing the market. It is about planning your life." — Vekevia Tillman-JonesConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 90 of the Real Life Planning Podcast, Cynthia Meyer, CFP®, CFA®, ChFC® shares a practical framework for having important conversations with aging parents before an emergency forces them. Drawing from personal experience and years of financial planning work with families, she walks through twelve essential questions that can help adult children understand their parents’ wishes, financial structure, and real estate operations.“These conversations can feel uncomfortable, but they are one of the most meaningful gifts you can give your family.” — Cynthia MeyerThis week on Real Life Planning Podcast:💡What should you ask your parents about how they want to live as they age? [00:04:08]💡Where are your parents’ estate planning documents and who prepared them? [00:04:49]💡Who has financial and healthcare power of attorney if something happens? [00:06:03]💡What should you know about your parents’ rental properties and real estate business? [00:10:42]💡Who are the professional advisors and what support plans exist for later in life? [00:13:36]Takeaway Quotes:“Families spend years talking about growing wealth but often avoid talking about what happens later in life.” — Cynthia Meyer“Knowing your parents’ wishes ahead of time helps you make decisions with confidence during difficult moments.” — Cynthia MeyerConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In this episode, Vekevia Tillman-Jones breaks down the real guidelines behind owner-occupied loans so you can build wealth without accidentally crossing a line. From the one-year occupancy rule to the differences between FHA and conventional loans, she explains what lenders actually mean when they say you must “live in the property.”If you want to house hack the smart way and avoid costly mistakes, this episode walks through the key rules every investor should understand before buying.“Owner-occupied simply means you actually live there as your primary residence.” — Vekevia Tillman-Jones In Episode 89, we cover:  🏠 What does “owner-occupied” really mean to lenders? [00:01:12] 🏠 What is the one-year occupancy rule and how strictly is it applied? [00:02:17] 🏠 How do FHA and conventional loans differ for house hacking? [00:03:06] 🏠 When can you buy another home and keep the first one as a rental? [00:05:13] ⚖️ What counts as occupancy fraud and how can you avoid it? [00:06:04]  Quotes “Owner-occupied does not mean you cannot rent out part of the property. That is exactly why house hacking exists.” — Vekevia Tillman-Jones“House hacking is a long-term wealth strategy, and understanding the rules protects your future self.” — Vekevia Tillman-JonesConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 88 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®,  sits down with author, speaker, and coach Erin Bradley, to discuss what it really takes to grow a real estate sales or mortgage business in a challenging real estate market. Erin shares how she went from financial rock bottom to scaling a thriving mortgage business and coaching community. This conversation is about mindset, systems, and building a business that supports your life instead of consuming it.“If you replace insecurity with curiosity, you will always find a way to be of value.” — Erin BradleyThis week on Real Life Planning Podcast:💡How did Erin go from financial rock bottom to nearly doubling her mortgage business? [00:02:04]💡What did the Go-Giver philosophy teach her about referrals and long-term growth? [00:05:10]💡Why does burnout happen, and how can you scale without becoming the bottleneck? [00:06:43]💡How can you shift from scarcity thinking to curiosity and contribution in a slow market? [00:15:01]💡What does it really mean to expect success and build systems before you are overwhelmed by growth? [00:26:05]Takeaway Quotes:“Most people are trying to power through from a place of fear. But contribution creates opportunity.” — Erin Bradley“Every new level of revenue requires you to become a different business owner.” — Cynthia Meyer“You are not stuck. You are just operating from a story that needs to be rewritten.” — Erin BradleyConnect with Erin Bradley:Website: https://www.pursuingfreedom.comInstagramLinkedInYouTubeFacebookConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 87 of the Real Life Planning Podcast, Vekevia Tillman-Jones, CFP®, MBA, tackles a question many house hackers ask quietly: Does it even make sense to pay for management if I’m on-site? With no judgment and no fluff, Vekevia explores when it’s smart, when it’s unnecessary, and how boundaries, energy, and lifestyle all factor into the decision."  A property manager is not just for absentee landlords. It’s about systems and separation.” - Vekevia Tillman-JonesThis week on Real Life Planning Podcast:💡Why some house hackers consider hiring a property manager while living on-site [00:01:02]💡How a property manager creates systems, separation, and emotional distance [00:03:06]💡What property management fees actually cost, and how to decide if they’re worth it [00:04:39]💡Hybrid options: partial management, unit-only management, or delayed management [00:05:41]💡When hiring a manager doesn’t make sense, and how to think through the bigger picture [00:07:06]Takeaway Quotes:" Sometimes paying for support is like the smartest financial decision you can make. " — Vekevia Tillman-Jones" The best strategy is essentially one that fits your lifestyle and protects your energy and keeps you moving forward." — Vekevia Tillman-JonesConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 86 of the Real Life Planning Podcast, Cynthia Meyer, CFP®, CFA®, ChFC®  speaks about one of the biggest early parenting financial decisions: front-loading a 529 plan or using that same lump sum as a down payment on a rental property.Drawing from her own experience as both a rental property owner and a parent who funded 529 plans at birth, Cynthia walks through the math, tax rules, FAFSA implications, leverage opportunities, liquidity risks, and long-term wealth tradeoffs of both strategies. This episode is a masterclass in using time and compounding to your advantage."  When you have a newborn, you have the most valuable resource in education planning, time.” - Cynthia MeyerThis week on Real Life Planning Podcast:💡Why the first year after your child is born is the most powerful time to invest for college [00:02:21]💡How 529 plans work, including tax benefits and flexibility if plans change [00:03:21]💡How a rental property can use leverage, cash flow, and appreciation to fund education [00:08:36]💡How FAFSA and CSS profile treat 529 plans versus rental properties [00:12:19]💡When to choose a 529 vs. real estate [00:14:38]Takeaway Quotes:"  A lump sum invested at birth gives you 18 or 19 years of compound returns. Time is your best friend here."-Cynthia Meyer" Real estate might be passive for tax purposes, but it’s not passive in effort."- Cynthia MeyerConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 85 of the Real Life Planning Podcast, Vekevia Tillman-Jones, CFP®, MBA, gets real about a costly mistake too many future homeowners and house hackers make—leaving their down payment in a basic savings account earning next to nothing. She breaks down exactly how to earn more on your money without investing it, using smart, safe options like high-yield savings accounts."  Good habits compound just like interest. So don't let your money sit on the sidelines.” - Vekevia Tillman-JonesThis week on Real Life Planning Podcast:💡Why your down payment savings shouldn’t sit in a low-interest account [00:01:34]💡How much more can you earn with a high-yield savings account? [00:02:51]💡Where can you compare rates and find the best options? [00:04:08]💡What should you consider before opening a new savings account? [00:06:02]💡How did Vekevia make her own home savings work smarter, not harder? [00:07:37]Takeaway Quotes:"A high-yield savings account is a smart middle ground. You're not gambling—but you're not settling for pennies either." — Vekevia Tillman-Jones"It’s not about the amount saved—it’s about being intentional with what you’ve got." — Vekevia Tillman-JonesConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 84 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, talks with Kathleen Boyd, CFP®, Certified Student Loan Professional (CSLP), and founder of Student Loan Savvy, who breaks down the new legislation that’s overhauling graduate and parent PLUS loans, income-driven repayment plans, and forgiveness programs. They talk through what students, parents, and advisors need to know right now to avoid costly mistakes and plan wisely for the future.“This bill is quietly one of the biggest student loan rewrites in decades.” — Kathleen BoydThis week on Real Life Planning Podcast:💡What impact do student loans have on long-term financial goals? [00:01:30]💡What is the One Big Beautiful Bill Act and what changes should borrowers expect? [00:3:02]💡How might graduate and parent PLUS loans change under the new legislation? [00:07:42]💡What should students and families do now to prepare for future changes? [00:13:18]💡What are the new forgiveness and income-driven repayment rules you should know? [00:18:22]💡What is the RAP Plan—and how does it differ from current options? [00:31:35]💡What myths about loan forgiveness are hurting borrowers? [00:42:19]💡What roles are no longer considered “professional” under new loan rules, and why does that matter? [00:48:30]Takeaway Quotes:"We can't just figure it out later. We need to be doing planning now.” — Kathleen Boyd" They may have an expensive private school in mind that's out of state. But you shouldn't jeopardize your own retirement by borrowing more than you can really afford." — Cynthia MeyerConnect with Kathleen Boyd:Website: Student Loan SavvyEmail: [email protected] with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 83 of the Real Life Planning Podcast, Vekevia Tillman-Jones, CFP®, MBA, discusses the real math lenders use to qualify homebuyers — and what that means for your income, debt, and loan type. With relatable examples, honest talk, and no fluff, Vekevia walks through realistic income thresholds, mortgage scenarios, and tips to make homeownership more achievable—even with today’s prices." It's not that you're bad with money. It's not that you're failing. It's just that times have changed, and literally it's so much more expensive." — Vekevia Tillman-JonesThis week on Real Life Planning Podcast:💡How much income do you really need to buy a median-priced home today? [00:01:13]💡What’s the difference between front-end and back-end debt-to-income ratios? [00:03:00]💡Why does FHA financing often make the difference for first-time buyers? [00:06:15]💡How do lenders view adding a co-borrower on a mortgage? [00:05:30]💡What mindset shift do buyers need to navigate today’s market? [00:07:34]Takeaway Quotes:"Entry-level loans are stepping stones, not permanent labels.” –Vekevia Tillman-Jones" For a lot of first time home buyers, FHA is going to be the one that gets you in the door." — Vekevia Tillman-JonesConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 82 of the Real Life Planning Podcast, Cynthia Meyer, CFP®, CFA®, ChFC®  shares eight key behaviors she’s observed across her clients who are financially successful couples. From avoiding lifestyle creep to tracking net worth and building multiple income streams, these practical habits are a roadmap for partners who want to become work-optional—together."  The earlier in your relationship you can commit to living on one income, the more you can free up for savings and growth.” - Cynthia MeyerThis week on Real Life Planning Podcast:💡How do financially independent couples handle money differently? [00:00:17]💡Why is living below your means a secret weapon for flexibility and growth? [00:02:00]💡How does avoiding lifestyle creep help couples build long-term wealth? [00:04:41]💡What mindset helps people bounce back from financial setbacks? [00:15:06]💡Why do so many financially independent people choose to keep working? [00:17:00]Takeaway Quotes:"  Multiple income streams are more than a safety net—they’re a wealth-building engine."-Cynthia Meyer" The couples who succeed financially collaborate."- Cynthia MeyerConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 80 of the Real Life Planning Podcast, Cynthia Meyer, CFP®, CFA®, ChFC®  reviews the creative strategy of "subject to" financing, where an investor takes over payments on a seller’s existing mortgage without assuming the loan. Cynthia breaks down how it works, who it's for (hint: definitely not beginners), and the legal and financial risks every real estate investor must understand before pursuing this advanced tactic." The “subject to” financing strategy can be a powerful strategy for a certain slice of real estate investors, but it can also be dangerous depending on the execution.” - Cynthia MeyerThis week on Real Life Planning Podcast:💡What does “subject to” financing actually mean, and how does it work in real life? [00:01:55]💡Who would sell their home this way—and why? [00:02:44]💡What are the major benefits for experienced investors? [00:06:03]💡What are the risks of “subject to” and what could go wrong? [00:07:40]💡What best practices can reduce risk in a “subject to” transaction? [00:14:06]Takeaway Quotes:" This is really something that requires knowledge, strong systems, good legal support, lots and lots of cash reserves, and really good systems and processes to make this work."-Cynthia Meyer" It's a real estate business strategy. We've been seeing more about this as interest rates have gone up."- Cynthia MeyerConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 81 of the Real Life Planning Podcast, Vekevia Tillman-Jones, CFP®, MBA,talks about how house hacking helped her become a homeowner, landlord, and wealth builder straight out of college — even with student loans. She shares five smart and practical ways to house hack, what makes a property ideal, and how to use this strategy to build equity while keeping life affordable."House hacking isn’t just about saving money—it’s about building freedom, ownership, and future options." — Vekevia Tillman-JonesThis week on Real Life Planning Podcast:💡What is house hacking and how did it help Vekevia become a homeowner after college? [00:01:12]💡What are the five types of house hacks—and which one fits your lifestyle? [00:05:40]💡What features make a property ideal for house hacking? [00:11:39]💡What red flags should you check with zoning, HOAs, and privacy concerns? [00:13:02]💡How does house hacking create lasting wealth even when life is “lifeing”? [00:14:01]Takeaway Quotes:""I didn’t have a trust fund. I had student loans. But I also had a strategy—and that made all the difference.” –Vekevia Tillman-Jones"Your first home doesn’t have to be your dream home. It can be your launchpad." — Vekevia Tillman-JonesConnect with Real Life Planning:FacebookLinkedInXInstagramReal Life Planning on Bigger PocketsPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.If you like this video podcast, consider joining Real Life Planning’s Question of the Week where our CERTIFIED FINANCIAL PLANNERs™ and rental property business owners  answer the most common questions about real estate financial planning direct to your inbox. https://mailchi.mp/reallifeplanning/question-of-the-weekThe ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 79 of the Real Life Planning Podcast, Vekevia Tillman-Jones, CFP®, MBA, breaks down the live-in-then-rent strategy — a powerful method for first-time buyers to build equity, reduce housing costs, and launch a real estate portfolio without a massive down payment. Whether you're curious about house hacking or long-term rentals, this episode offers a clear and actionable blueprint to start building wealth from day one."Paying your mortgage isn’t just a bill—it’s a transfer into your net worth." — Vekevia Tillman-JonesThis week on Real Life Planning Podcast:💡What is the live-in-then-rent strategy and why is it so effective? [00:00:11]💡How can house hacking save you $12K–$22K a year in living costs? [00:02:04]💡What are the actual numbers behind equity, appreciation, and out-of-pocket costs? [00:03:16]💡How does turning your first home into a rental supercharge your wealth building? [00:05:02]💡Why is this strategy ideal for first-time buyers? [00:06:13]Takeaway Quotes:"Renting out just one room can save you $12,000 a year—and still grow your wealth behind the scenes." –Vekevia Tillman-Jones"Even if you don’t house hack, your mortgage is quietly building wealth for you through equity and appreciation." — Vekevia Tillman-Jones"Buying your first home with this strategy is like investing with training wheels." — Vekevia Tillman-JonesConnect with Real Life Planning:FacebookLinkedInXInstagramReal Life Planning on Bigger PocketsPinterestEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 78 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®,  sits down with Melanie Curtis — world-record pro skydiver, keynote speaker, and peak performance coach — to talk about the mindset and emotional resilience it takes to leap into the unknown. Whether you're building a real estate portfolio, launching a business, or simply trying to show up fully in your life, this episode is your masterclass in courageous growth."Fear is very convincing. It can speak with a strong certainty—yet so often, it’s wrong." — Melanie CurtisThis week on Real Life Planning Podcast:💡What holds high performers back from accessing their full potential? [00:02:29]💡How do you get clarity in moments of fear or uncertainty? [00:10:10]💡What are practical ways to overcome time constraints and burnout? [00:16:09]💡How can habits and intentionality create long-term transformation? [00:27:14]💡What money lesson shaped Melanie’s early career—and how did she course correct? [00:32:42]Takeaway Quotes:"When we slowly crack open those heavy doors of limiting thinking, we prove to ourselves we can always do more." — Melanie Curtis"Behind every success is a trail of stumbles. Don’t compare your start to someone else’s finish." — Cynthia Meyer"We’re not just consumers—we’re creators. And the creator economy is full of opportunity for those willing to show up." — Melanie CurtisConnect with Melanie Curtis:Website: https://melaniecurtis.comInstagramLinkedInYouTubeConnect with Real Life Planning:FacebookLinkedInBigger Pockets XInstagramPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 77 of the Real Life Planning Podcast, Vekevia Tillman-Jones, CFP®, MBA, breaks down how you can become a real estate investor without needing the traditional 20% down payment. She walks through FHA vs. conventional loans, key differences in mortgage insurance, and how your credit score and debt-to-income ratio affect your options. Whether you're considering house hacking or investing in a multi-family rental, this is a must-listen for first-time buyers who want to start building wealth without waiting years to save."You might be able to get started in real estate sooner than you think—if you know what loan options are available to you." — Vekevia Tillman-JonesThis week on Real Life Planning Podcast:💡What are the differences between FHA and conventional loans? [00:00:27]💡How does your credit score impact your eligibility for low down payment options? [00:01:13]💡What’s the real deal with mortgage insurance (PMI vs. MIP)? [00:02:08]💡Can you house hack a multi-unit property with one of these loans? [00:05:30]💡 Why putting less than 20% down doesn’t mean you have to delay investing [00:06:33]Takeaway Quotes:"With the right loan, you could buy a four-unit property and start house hacking with just 3% down." –Vekevia Tillman-JonesConnect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Real Life Planning on Bigger PocketsPinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 76 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, talks with attorney and real estate investor Jen Sperling about the ins and outs of turning a former primary residence into a rental property. Jen shares her experience of doing this not once — but twice — and offers hard-earned lessons and practical advice for anyone considering the same. From choosing a rental strategy to navigating landlord laws and long-distance management, this episode is packed with real-world wisdom for growing a real estate portfolio while staying grounded in your values.This week on Real Life Planning Podcast:💡 What should you document before converting your home into a rental? [00:03:00]💡 Why Jen chose to rent instead of sell—and how that shaped her wealth journey [00:04:05]💡 What laws, rules, and financial steps must you review before renting your home? [00:06:17]💡What are the biggest differences between managing condos vs. single-family homes? [00:18:39]💡How can you align your values with your real estate strategy? [00:25:52]Takeaway Quotes:"If you’ve lived in the house, you know its quirks—and that knowledge can save you and your tenant a lot of stress." — Jen Sperling"Not telling your insurance company that your primary residence is now a rental can void your coverage." — Cynthia MeyerConnect with Jen Sperling:Website: Better World Real EstateInstagramConnect with Real Life Planning:FacebookLinkedInBigger Pockets XInstagramPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.If you like this video podcast, consider joining Real Life Planning’s Question of the Week where our CERTIFIED FINANCIAL PLANNERs™ and rental property business owners answer the most common questions about real estate financial planning direct to your inbox. The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 75 of the Real Life Planning Podcast, Vekevia Tillman-Jones, CFP®, MBA, shares how your real estate investing strategy directly affects your personal budget. Whether you're evaluating property class, location, or long-term cash flow goals, this episode walks you through how to align your budget with the right rental property strategy—so your investment enhances your financial life instead of draining it.This week on Real Life Planning Podcast:💡How does the age of a property affect your maintenance budget? [00:00:48]💡Why does location matter for vacancy rates and rent stability? [00:02:03]💡What’s the difference between Class A and Class C properties—and how do they affect costs? [00:03:04]💡How can your rental strategy impact your ability to save? [00:04:12]💡Why is house hacking one of the best strategies for reducing personal expenses? [00:05:33]Takeaway Quotes:"If you’re just starting out and don’t have a lot saved, a more turnkey property might help you avoid big surprises."– Vekevia Tillman-Jones"Vacancy doesn’t just affect your rental income—it impacts whether your personal budget can cover the gap." –Vekevia Tillman-JonesConnect with Real Life Planning:FacebookLinkedInXInstagramReal Life Planning on Bigger PocketsPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.If you like this video podcast, consider joining Real Life Planning’s Question of the Week where our CERTIFIED FINANCIAL PLANNERs™ and rental property business owners  answer the most common questions about real estate financial planning direct to your inbox. https://mailchi.mp/reallifeplanning/question-of-the-weekThe ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 74 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, talks with Prudence Zhu, CPA, CFP®, RLP®, about the emotional and cultural layers of building financial harmony in a partnership. Prudence shares insights from her personal journey as a first-generation immigrant and from her new book A Couple’s Guide to Money, offering practical ways couples can create shared financial goals while honoring their individual values."Compassionate financial planning is about using your resources to create a life you actually enjoy living." — Prudence ZhuThis week on Real Life Planning Podcast:💡 How do immigrant and cross-cultural couples navigate different money styles? [00:02:10]💡 What small steps help couples align their goals emotionally and financially? [00:07:00]💡 Why is “values-driven financial planning” key for long-term success? [00:14:00]💡What are practical strategies for managing different saving and spending mindsets in a relationship? [00:22:00]💡How does financial therapy unlock better money behaviors? [00:27:00]Takeaway Quotes:“Suffering is a constant—but it is in our power to turn that into an opportunity for growth." — Prudence Zhu"Your financial plan is your life expressed in numbers." — Cynthia Meyer"Money doesn't solve relationship problems, but understanding each other financially can strengthen your connection." — Prudence ZhuConnect with Prudence Zhu:Website: www.ensofin.comLinkedInHer new book: A Couple’s Guide to MoneyConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 73 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, sits down with Meredith Royall, owner of Lime Painting of Westchester, to explore affordable and stylish ways to update your property. Whether you're preparing to freshen up a rental, sell your home, or just want a new look, Meredith shares insider tips on cost-effective updates, current design trends, and how her background in design influences her renovation approach."Your home is always trying to tell you a story—you just have to look at it long enough to hear it." — Meredith RoyallThis week on Real Life Planning Podcast:💡 What are the most cost-effective home updates that offer great ROI? [00:02:10]💡 How can design trends like color drenching and lime washing add style without breaking the budget? [00:03:48]💡 What renovation tips work well for both homeowners and real estate investors? [00:12:00]💡How does Meredith’s design background influence her consulting approach? [00:17:55]💡What should first-time renovators know before starting a home project? [00:22:10]Takeaway Quotes:“If your cabinets are solid, repaint them. You don’t need a brand new kitchen to make a big impact." — Meredith Royall"A great paint job, done right, can last a decade. Most people just get tired of the color before it wears out." — Cynthia Meyer"If you can get through your first year in business, forget it ever happened—but hold on to the vision that started it all." — Meredith RoyallConnect with Meredith Royall:WebsiteInstagramConnect with Real Life Planning:FacebookLinkedInXInstagramReal Life Planning on Bigger PocketsPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 72 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, and Vekevia Tillman-Jones, CFP®, MBA, discuss one of the biggest questions for real estate investors: Is rental real estate really a good return on your time? With their signature banter and deep experience, they unpack how real estate can create time freedom—and what it really takes to get there." … the task of any investment project is to move from trading time for money to a model where your money makes money for you." – Cynthia MeyerThis week on Real Life Planning Podcast:💡 How can real estate save you time now — and in the future? [00:01:12]💡 What does “passive income” really mean when it comes to rental properties? [00:06:00]💡 When is it time to hire a property manager — and how does that affect your time investment? [00:08:00]💡 Why are so many people in their 30s and 40s aiming for work optional? [00:10:00]💡 What’s the role of house hacking in achieving time freedom faster? [00:14:00]Takeaway Quotes:"If I could give my 20-something self one piece of advice, it would be to house hack." — Cynthia Meyer"You're the CEO of your own life—and your income is just one department. If it’s not performing, it’s time to re-strategize." — Vekevia Tillman-JonesConnect with Real Life Planning:FacebookLinkedInXInstagramReal Life Planning on Bigger PocketsPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 71 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, welcomes back  job exit strategist Tania P. Brown for a powerful conversation on what it really takes to leave a corporate job and transition into self-employment. From the emotional challenges to income shifts and lifestyle redesign, Tania shares the three “I’s” she uses to guide women toward work that fits their lives—not the other way around.This week on Real Life Planning Podcast:💡 What does a job exit strategist do — and who needs one? [00:01:00]💡 How do the three “I’s” (Impact, Income, Intensity) shape a successful career transition? [00:03:50]💡 What mindset shifts are crucial for high-income professionals thinking about self-employment? [00:07:46]💡What are the hidden emotional and financial challenges of leaving a corporate job? [00:12:00]💡What’s the first micro step someone should take if they feel the itch to leave? [00:30:38]Takeaway Quotes:"So many people are trained to be employees—it’s hard to see your value outside that system." — Tania P. Brown“We can't compare our start to someone else's finish. Their journey can inspire us, but our starting point is uniquely ours." — Cynthia Meyer“All selling is… letting someone know you have a solution to their problem and being willing to walk beside them." — Tania P. BrownConnect with Tania P. Brown:Website  Tania P. Brown on LinkedInConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 70 of the Real Life Planning Podcast, Vekevia Tillman-Jones, CFP®, MBA, breaks down what to expect when hiring a property manager—specifically, what fees landlords are responsible for. From onboarding to lease renewal to emergency maintenance, this episode offers a thorough, practical guide to owner-paid property management fees.This week on Real Life Planning Podcast:💡 What are the common property management fees landlords should expect? [00:01:12]💡 How do tenant placement and lease renewal fees typically work? [00:03:33]💡 What’s included in the monthly maintenance fee—and what isn’t? [00:05:15]💡 How do emergency, inspection, and vacancy fees add up? [00:07:46]💡 What eviction, legal, and utility transfer fees should owners be prepared for? [00:10:38]Takeaway Quotes:"Oftentimes, many people don't realize that the property management company might charge owner-paid fees, but they also might charge fees to your tenant."– Vekevia Tillman-Jones"It could feel like nickel and diming a bit, but really it's about protecting your investment and setting clear expectations." –Vekevia Tillman-JonesConnect with Real Life Planning:FacebookLinkedInXInstagramReal Life Planning on Bigger PocketsPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 69 of the Real Life Planning Podcast, Cynthia Meyer, CFP®, CFA®, ChFC®  explores the powerful connection between your thoughts and your financial outcomes. Inspired by a client conversation and her training at The Life Coach School, she shares a tool she learned called “The Model”— a self-coaching tool designed to help clients identify limiting beliefs, shift their mindset, and take intentional action toward achieving financial success.This week on Real Life Planning Podcast:💡Why do we compare our financial journey to someone else's—and how can we stop? [00:01:00]💡Why use C-T-F-A-R,  who created The Model, and why it matters for mindset shifts? [00:03:42]💡How do thoughts create feelings that drive our financial behavior?[00:06:30]💡What are some real-life financial mindset examples using The Model? [00:09:15]💡How can journaling help uncover and reframe limiting money beliefs? [00:12:45]Takeaway Quotes:"We see someone else's finish line and compare it to our starting point. That never leads to good decisions."-Cynthia Meyer"You can create entirely new results in your financial life just by changing how you think."- Cynthia MeyerConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 68 of the Real Life Planning Podcast, Vekevia Tillman-Jones, CFP®, MBA, shares candid, practical advice on how to get your wedding plans back on budget—without sacrificing your vision. Whether you're newly engaged or halfway down the aisle, this episode is packed with smart strategies for staying on track financially while still creating a memorable event.This week on Real Life Planning Podcast:💡  What wedding expenses most commonly cause couples to go over budget? [00:02:06]💡  How can you prioritize spending without sacrificing what matters most? [00:02:52]💡  What are creative ways to save on venues, food, and decor? [00:06:17]💡  How can you manage your guest list to keep costs under control? [00:04:57]💡 What tools and mindset shifts can help reduce stress during wedding planning? [00:09:04]Takeaway Quotes:"You want to be just as excited at the end of your wedding as you were at the beginning—and not financially stressed."– Vekevia Tillman-Jones"Staying on budget for your wedding is no different than planning for a house, a vacation, or your kid’s education—every dollar has a job." –Vekevia Tillman-JonesConnect with Real Life Planning:FacebookLinkedInX​InstagramReal Life Planning on Bigger PocketsPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 67 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, talks to  Bill Hampton of Hampton Tax and Financial Services about tax planning with the short-term rental “loophole.” Tune in for an educational overview on property criteria, material participation, cost segregation studies, bonus depreciation, and how to avoid common mistakes when treating your short term rental activity as nonpassive. Educational purposes only - please see your tax professional for tax advice.This week on Real Life Planning Podcast:💡 What is the short-term rental loophole — and how does it work? [00:02:26]💡 What qualifies as material participation for short-term rentals? [00:03:50]💡 How can cost segregation and bonus depreciation reduce your tax bill? [00:04:55]💡 What are common mistakes investors make with this tax strategy? [00:14:05]💡 What should you know before selling a property where you’ve taken bonus depreciation? [00:19:26]Takeaway Quotes:"You don’t physically have to be at the property. With smart locks and tech, you can manage short-term rentals remotely and still qualify for material participation." — Bill Hampton"Depreciation recapture is one of those things that can surprise people—especially if they didn’t plan ahead when they sold the property." — Cynthia Meyer"You can learn more from following a great mentor for a week than from years of trial and error." — Bill HamptonConnect with Bill Hampton:Website: hamptonfinancialllc.comFree consultation & newsletter available on site.Connect with Real Life Planning:FacebookLinkedInXInstagramPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 66 of the Real Life Planning Podcast, host Vekevia Tillman-Jones, MBA, CFP® helps you decide: Should you install a pool - or buy a house that already has one? This episode walks through the costs, potential returns, and the lifestyle factors to consider before making a splashy investment in an in-ground pool.This week on Real Life Planning Podcast:💡 How much value can a pool actually add to your home? [00:00:24]💡 Is it better to install a pool or buy a house that already has one? [00:01:12]💡 What hidden costs and maintenance expenses should you expect? [00:03:12]💡 How do pool features, design, and utility bills affect your long-term ROI? [00:04:11]💡What extra considerations come with renting out a home that has a pool? [00:06:36]Takeaway Quotes:“  If you're thinking about a pool, it's likely not just all in the numbers." – Vekevia Tillman-Jones“You might not recoup the full cost, but you’ll likely gain in enjoyment - and that counts for something.” –Vekevia Tillman-JonesConnect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Real Life Planning on Bigger PocketsPinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 65 of the Real Life Planning Podcast, Cynthia Meyer, CFP®, CFA®, ChFC®  shares how to build a real estate contingency plan to protect your rental business—and your loved ones—in case of an emergency. Whether you’re managing one property or many, this episode is a must-listen for any landlord who wants to avoid chaos and ensure smooth operations when life throws the unexpected your way.This week on Real Life Planning Podcast:💡What is a real estate contingency plan and why does every property owner need one? [00:01:12]💡Who should step in if you're suddenly unavailable—and what should they know? [00:06:36]💡What documents, accounts, and workflows should be part of your emergency planning? [00:09:39]💡How can digital tools help automate and organize your real estate operations? [00:12:23]💡What goes into creating a "Rental Property Emergency Packet" for your family? [00:16:35]Takeaway Quotes:"A contingency plan answers three questions: Who takes over? What happens to tenants? And who pays the bills?"-Cynthia Meyer"You don’t want to leave your kids a mess—you want to leave them a clearly run and structured business."- Cynthia MeyerConnect with Real Life Planning:FacebookLinkedInBigger PocketsXInstagramPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 64 of the Real Life Planning Podcast, host Vekevia Tillman-Jones, CFP®, MBA, shares practical, low-cost (and no-cost) ideas to keep your kids entertained and well-fed all summer long—without blowing your budget. From $1 movies and free beach parking to DIY lunches, this episode is packed with tips that blend fun, frugality, and family time.This week on Real Life Planning Podcast:💡 What free or low-cost local activities can make summer fun for kids? [00:00:29]💡 How can you enjoy eating out without overspending? [00:02:03]💡 What are some budget-friendly ways to do beach or pool days? [00:03:54]💡 How can kids learn independence—and help with household costs? [00:05:10]💡 What creative alternatives can replace expensive camps and services? [00:07:10]Takeaway Quotes:“Even my youngest can make his own sandwich…might not be pretty, but it’s one less thing I have to do!" – Vekevia Tillman-Jones“Cutting back on cleaning services and letting the kids help? That’s savings and life skills in one.” –Vekevia Tillman-JonesConnect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Real Life Planning on Bigger PocketsPinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 63 of the Real Life Planning Podcast, Cynthia Meyer, CFP®, CFA®, ChFC® explores how homeowners can turn their backyard into a source of income by building an accessory dwelling unit (ADU). From financing strategies to tax planning, she walks through everything you need to know before breaking ground on your ADU project.This week on Real Life Planning Podcast:💡What qualifies as an accessory dwelling unit—and why more cities are encouraging them [00:01:09]💡What are some typical types of ADUs? [00:04:08]💡What are the most common ways to finance an ADU project? [00:08:24]💡Tax planning when renting out an ADU on your property [00:13:26]💡What should you consider before becoming a landlord of an ADU? [00:15:09]Takeaway Quotes:"You want to check all the rules in your area and make sure that you fully understand the ADU process before you break ground."-Cynthia Meyer"As your needs change, so can the purpose of your ADU—what starts as a rental could become housing for aging parents or grown children."- Cynthia MeyerConnect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningBigger Pockets: https://www.biggerpockets.com/business/page/3070X: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Pinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 62 of the Real Life Planning Podcast, host Vekevia Tillman-Jones, CFP®, MBA, shares how to determine exactly how much you should be saving each month. Whether you're planning for a down payment, building your emergency fund, or aiming for financial freedom, this episode offers a practical, step-by-step approach to setting savings goals that align with your income and priorities.This week on Real Life Planning Podcast:💡 How to calculate your net monthly income and use it as a savings baseline [00:00:48]💡 The 50/30/20 rule—and why it’s a helpful starting point for goal-based saving [00:03:29]💡 Turning big goals into bite-sized monthly targets [00:06:10]💡 How employer contributions reduce your personal savings burden [00:07:09]💡 Why your savings rate should grow as your income does [00:09:52]Takeaway Quotes:“Savings is not just a habit—it’s a muscle. You don’t even think about it. It’s something you put in place and automate." – Vekevia Tillman-Jones“Break big savings goals down into monthly targets. It helps make the goal feel real, actionable, and achievable.” –Vekevia Tillman-JonesConnect with Real Life Planning:FacebookLinkedInXInstagramReal Life Planning on Bigger PocketsPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 61 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, talks with Kristen Ambrose, CPA, and founder of Ambrose Bookkeepers, about the often overlooked but vital role of bookkeeping in a real estate investing business. Kristen shares her journey from corporate accounting to entrepreneurship and how her passion for real estate inspired her to serve investors exclusively. They delve into practical bookkeeping strategies, common pitfalls, and how real estate investors can better understand their numbers to make smart decisions.Whether you're managing one rental or scaling a large portfolio, Kristen offers insights to help you approach your real estate financials with a business owner perspective.This week on Real Life Planning Podcast:💡 Why Kristen left corporate accounting to serve real estate investors [00:01:24]💡 How house hacking helped launch Ambrose Bookkeepers [00:02:23]💡 What a real estate bookkeeper actually does [00:04:12]💡The #1 bookkeeping mistake real estate investors make [00:13:39]💡 When to hire a professional bookkeeper—and how to find the right one [00:19:13]Connect with Kristen Ambrose, CPA:Website: Ambrose BookkeepersKristen on BiggerPocketsLinkedIn: Kristen Ambrose, CPAConnect with Real Life Planning:FacebookLinkedInXInstagramPinterestEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 60 of the Real Life Planning Podcast,  host Vekevia Tillman-Jones, CFP®, MBA, helps aspiring real estate investors decide: Should I save or pay off debt first? If you're balancing credit cards, student loans, and the dream of buying your first rental property, this episode offers clear guidance on how to prioritize your finances while building toward your goals.This week on Real Life Planning Podcast:💡When it makes sense to prioritize saving over debt repayment—and vice versa [00:01:13]💡Why high-interest debt can derail your investment plans [00:02:14]💡Smart strategies for building an emergency fund without falling behind on debt [00:04:27]💡Hybrid approaches to balancing savings and debt payoff for long-term success [00:09:58]💡How your financial decisions now affect your readiness to buy real estate [00:10:58] Connect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Pinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 59 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, shares 10 essential questions every real estate investor should ask their financial advisor. Whether you’re a new investor or a seasoned pro, these questions will help you assess whether your advisor truly understands how real estate fits into your financial plan—and how they can support your investing goals.This week on Real Life Planning Podcast:💡How to assess your advisor’s real estate knowledge and experience [00:01:14]💡Why the right financial planning software matters for property owners [00:02:23]💡What to ask when evaluating deals, financing, or tax strategies [00:04:41]💡How your advisor can support risk management and team-building [00:05:29]💡Red flags to look for when discussing 1031 exchanges or DSTs [00:09:36]Takeaway Quotes:" If you have a real estate business and you own real estate as part of your investment portfolio, you want a holistic view of your personal finances.” - Cynthia Meyer" We’re all on this journey—everyone has some successes and has made some mistakes.” - Cynthia MeyerConnect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Pinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 58 of the Real Life Planning Podcast, Vekevia Tillman-Jones, CFP®, MBA, tackles one of the most important—but often overlooked—questions in personal finance: Where is my money really going? Drawing from her work with high-earning professionals and aspiring real estate investors, Vekevia breaks down how lifestyle inflation, subscriptions, and unclear cash flow can hold you back from reaching your goals. She shares practical strategies to help you gain clarity, build confidence, and take the next step toward buying your first rental property.This week on Real Life Planning Podcast:💡Why high income doesn’t guarantee financial peace [00:01:15]💡Lifestyle creep and money “leaks” you may be overlooking [00:06:10]💡How to create a plan that supports your real estate goals [00:11:13]💡Saving, spending, and investing with intention [00:16:52]💡The role of mindset in financial progress [00:17:59]Takeaway Quotes:"You're not behind. You might just need a system that works for you." – Vekevia Tillman-Jones"If your income goes up and your lifestyle goes up with it, you're just running faster on the same treadmill." – Vekevia Tillman-JonesConnect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Pinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 57 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, and co-host Vekevia Tillman-Jones, CFP®, MBA, go deep into what happens when an investor sells a rental property that previously had a cost segregation study performed. They explain the tax concepts, how depreciation recapture works, and the questions every real estate investor should ask before considering a sale.(Now, we know you know this, but reminding you that this video podcast is for educational purposes only. Please see your tax advisor for tax advice.)This week on Real Life Planning Podcast:💡 What is a cost segregation study, and how does it work? [00:02:23]💡 How depreciation impacts your taxes when selling a property [00:06:56]💡 The difference between straight-line and accelerated depreciation [00:08:20]💡 Why bonus depreciation could lead to higher tax rates when you sell [00:09:15]💡 Strategic questions to ask your tax advisor before selling [00:13:04]💡 How a 1031 exchange can help defer taxes [00:14:42]Takeaway Quotes:"If you've taken accelerated depreciation, you can be taxed at your highest income tax rate — not capped at 25%." — Cynthia Meyer"There are so many moving parts when you sell a property after a cost segregation study — talk to your CPA!" — Vekevia Tillman-JonesConnect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Email: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 56 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, sits down with Becky Noss, financial planner and founder of Healthy Wealth, to explore the unique tax advantages available to military homeowners. Becky breaks down how military families can use Section 121 of the tax code—the capital gains exclusion for the sale of a primary residence—even if they haven’t lived in the home for the typical two out of five years. Together, they demystify the nuances, share planning strategies, and uncover how military families can make the most of their housing transitions." The most important element I've learned is how different and how nuanced and how essential it is to have someone who's military knowledgeable planning for you if you are in the military. ” - Becky NossThis week on Real Life Planning Podcast:💡 How military homeowners can pause the 5-year “look back” period [00:04:16]💡 Why you can only suspend one home—and how to choose wisely [00:06:40]💡 A real-world case study that saved a client over $30K [00:09:03]💡 How military benefits continue even after leaving active duty [00:14:55]💡 Powerful deployment-related tax strategies, including TSP and IRA rules [00:27:06]Connect with Becky Noss: Website: https://www.healthywealthfinancial.com LinkedIn: Becky Noss Facebook: Healthy Wealth Financial Email: [email protected] with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Email: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 55 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, provides a practical roadmap to help rental property investors prepare for the next economic downturn. While no one can predict exactly when a recession will hit, Cynthia shares how to proactively anticipate what you’ll do if a tenant pays late (or not at all), strengthen your financial foundation, and position yourself to take advantage of new opportunities. " Recessions don't happen overnight. They're a normal part of the business or market cycle. ” - Cynthia MeyerThis week on Real Life Planning Podcast:💡 Why mindset is key for recession planning [00:02:01]💡 How much cash should real estate investors set aside in reserves? [00:03:03]💡 Tips for short-term rental owners during economic slowdowns [00:08:19]💡 Why recessions can create new opportunities [00:09:40]💡 Should you refinance if rates drop during a recession? [00:11:43]Connect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Pinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 54 of the Real Life Planning Podcast, Vekevia Tillman-Jones, CFP®,MBA, walks rental real estate investors through the second part of our deep dive into IRS Schedule E—focusing on understanding expense categories and depreciation. Whether you’re preparing your real estate numbers to share with your tax preparer or want to understand how your rental properties are really performing, this episode will help you get organized and make smarter decisions.“Tracking your expenses in the same categories as Schedule E throughout the year makes tax time easier and helps you see how your rentals are truly performing.” – Vekevia Tillman-JonesThis week on Real Life Planning Podcast:💡 Why is Schedule E essential for rental property owners? [00:00:20]💡 What counts as personal use vs. fair rental days—and why does it matter? [00:05:55]💡 Which expenses can you deduct—and how should you track them? [00:09:39]💡 How does depreciation work for residential vs. short-term rental properties? [00:17:12]💡 Who qualifies for loss deductions—and what happens if you don’t? [00:21:03]Connect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Email: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 53 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, takes a break from real estate investing topics to address a common concern - stock market volatility. Whether you’re saving for retirement, planning a major purchase, or simply want to make smarter investment decisions, this episode will help you navigate market uncertainty with a clear strategy."Volatility is normal in stock market investments.” - Cynthia MeyerThis week on Real Life Planning Podcast:💡 How should you measure your investment returns to avoid unnecessary stress? [00:02:02]💡 Why is now a good time to run a retirement projection? [00:04:28]💡 How can you reassess your risk tolerance during market volatility? [00:06:34]💡 When should you consider rebalancing your portfolio, and how does it help? [00:09:32]💡 What role does diversification play in reducing investment risk? [00:16:04]Resources:Time to Rebalance Your 401k? Here are 4 Ways to Get Back on TrackMorningstar Investment Policy Statement WorksheetMorningstar - How to Create an Investment Policy StatementConnect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningInstagram: https://www.instagram.com/rentalpropertyclub/Email: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 52 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, talks with Phillip Hulme, CFP®, MBA, founder of Stars and Stripes Financial Advisors, about how military service members can use real estate as a powerful wealth-building tool. Whether you’re in the military or a veteran looking to grow your real estate portfolio, this episode is packed with insights to help you take advantage of the financial benefits available to you.“Military service members have an incredible real estate advantage with the VA home loan—if they know how to use it.” – Phillip HulmeThis week on Real Life Planning Podcast:💡 What financial pitfalls should young service members avoid? [00:10:32]💡How does the VA home loan give service members a unique real estate advantage? [00:15:20]💡What is an “accidental landlord” and why is it so common among military families? [00:16:24]💡How can military investors scale their real estate portfolios over time? [00:18:24]💡Why is real estate investing appealing to so many military members? [00:20:55]Connect with Phillip Hulme, CFP®, MBA:Website: Stars and Stripes Financial AdvisorsFacebook: Stars and Stripes Financial AdvisorsLinkedIn:Phillip HulmeConnect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningInstagram: https://www.instagram.com/rentalpropertyclub/Email: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In this episode, Vekevia Tillman-Jones dives into one of the most important tax forms for real estate investors—Schedule E. If you own rental properties, understanding how rental income is classified and reported can help you maximize tax efficiency and avoid costly mistakes when working with your tax preparer. She breaks down when to use Schedule E vs. Schedule C, how different business structures affect tax reporting, and why most rental income is considered passive for IRS purposes.For educational purposes only - we encourage real estate investors to use professional tax advice!"Most rental real estate income is considered passive income, meaning it’s reported on Schedule E and not subject to self-employment tax. That’s a big deal for tax planning." – Vekevia Tillman-JonesThis week on the Real Life Planning Podcast:💡 What is Schedule E, and how does it differ from Schedule C? [00:03:07]💡 Why most rental income is considered passive (and why that matters for taxes)? [00:05:22]💡 How does a Qualified Joint Venture (QJV) help spouses simplify tax filing? [00:16:10]💡 Why understanding Schedule E can help real estate investors plan ahead for tax season [00:20:34]Connect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Pinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In this episode, Vekevia Tillman-Jones jumps into one of the biggest financial concerns for parents—how to afford the rising cost of college. She breaks down how 529 plans work, the tax benefits, and what to do if your child doesn’t end up using the funds for higher education.This week on Real Life Planning Podcast:💡 How much does college really cost today, and how fast are prices rising? [00:01:20]💡 What makes a 529 plan such a powerful savings tool? [00:09:30]💡 What expenses qualify (and which don’t) when using 529 funds? [00:15:10]💡 What are your options if your child doesn’t go to college? [00:20:35]💡 How can you use 529 funds for K-12 tuition, student loans, or even a Roth IRA? [00:25:50]💡 What are the best ways to get started with a 529 plan? [00:30:15]Takeaway Quotes:"If you have something growing at 6 or 7 percent a year and your savings account is earning 0.2 percent, that’s a big problem." -Vekevia Tillman-Jones"The 529 plan allows you to invest, grow your money tax-free, and withdraw it tax-free for education—this is huge!" -Vekevia Tillman-JonesConnect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Pinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 47, Vekevia Tillman-Jones share insights from her own real estate and financial planning journey while working through the Real Estate Financial Coach Course. She explores how financial planners can help real estate investors develop a business owner mindset."... if I had known my options and had a chance to really talk that through with someone, perhaps I would have looked for multi-unit property just to begin and think it's awesome." - Vekevia Tillman-JonesThis week on Real Life Planning Podcast:💡How can new real estate investors shift their mindset to see property ownership as a business? [00:01:22]💡How might Vekevia’s real estate journey have been different if she had known about house hacking sooner? [00:02:05]💡What key factors should investors consider when selecting a property for long-term success? [00:04:04]💡How can working with a financial planner help investors gain clarity on their goals? [00:05:25]💡What is the Real Estate Financial Coach Course, and how can it benefit financial advisors and real estate investors? [00:06:19]Connect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Pinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 45, Vekevia Tillman-Jones explores the emotional and financial dynamics of rental property ownership. Whether you’re managing your first rental, upgrading a property, or deciding whether to sell, Vekevia provides actionable insights to help you assess if your rental property is still a good fit for you."So being emotionally attached to a property is very common. It’s not something that we need to feel bad about, but we do want to be aware of it and then ask ourselves the right questions." - Vekevia Tillman-JonesThis week on Real Life Planning Podcast:💡How can sentimental value affect rental property decisions? [00:00:32]💡Why do some landlords dismiss neighborhood changes? [00:02:14]💡How does inheriting a property deepen emotional ties? [00:04:26]💡Can appreciation create a false sense of security? [00:05:43]💡Why do property owners hold on to properties without running numbers? [00:07:47]Connect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Pinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 46 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, interviews Michael Law, CPA, specialist in tax compliance and consulting with small business, real estate, and stock compensation. Michael Law has Masters in Taxation and 25 years experience, and prioritizes researching and finding solutions for clients. Michael shares the tax strategies every real estate investor needs to know, including understanding real estate professional status, avoiding common tax mistakes, and planning ahead for 1031 exchanges. This podcast is for educational purposes only - please consult your tax advisor." Tax is just reporting what happened or how it happened." – Michael LawThis week on Real Life Planning Podcast:💡What are the most common tax mistakes real estate investors make? [00:03:59] 💡What is real estate professional status, and how do investors qualify to meet the IRS requirements? [00:07:58] 💡Why is it important to plan ahead for a 1031 exchange? [00:11:48]💡How can taxpayers overcome fear or avoidance of tax filing and stay organized throughout the year? [00:23:14] 💡How do marginal and effective tax rates differ, and why do many people misunderstand how tax brackets work? [00:24:49] 💡What role does recordkeeping play in successful tax planning for real estate investors? [00:26:07] 💡How do property transfers and estate planning impact taxes? [00:28:13] Connect with Michael Law, CPA:LinkedIn: https://www.linkedin.com/company/cs-and-company/Facebook: https://www.facebook.com/profile.php?id=100068725286954Website: https://www.csandcompany.com/Email: [email protected] the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 44 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, offers coaching questions that accredited investors can ask when considering real estate syndications. She also translates jargon, explains typical roles, and gives a general overview of benefits and risks associated with these complex investments. This podcast is for educational purposes only." The more you know, the better an investor you will become. Put education first before you ever sign anything.” - Cynthia MeyerThis week on Real Life Planning Podcast:💡What is an “Accredited Investor?” [00:01:21]💡What are the risks of investing in real estate syndications? [00:06:50]💡How do I evaluate a syndication sponsor’s track record? [00:12:32]💡How are profits shared in a syndication? [00:14:06]💡Where to look for red flags or references? [00:19:51]Connect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Pinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 43, Vekevia Tillman-Jones tackles how to decide if it’s the right time to buy a home, emphasizing the importance of financial readiness over trying to time the market. She shares practical tips for budgeting, exploring creative strategies like house hacking, and preparing for a sound long-term investment." It's a lot less about trying to time the market and it's a lot more about trying to make sure you get a good sound investment." - Vekevia Tillman-JonesThis week on Real Life Planning Podcast:💡How can you decide if now is the right time to buy a home? [00:00:11]💡Are you financially ready to buy a home? [00:01:46]💡How does your planned length of stay impact your decision to buy? [00:04:25]💡What creative strategies can make homeownership more affordable? [00:05:52]💡What steps can you take to prepare for a successful home purchase? [00:06:57]Connect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Pinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM. 

In Episode 42 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, breaks down the key considerations for real estate investors exploring hard money loans, including when to use them, typical terms, and risks. She also shares essential tips for asking the lender questions and understanding the pros and cons of private loans." …if you've got a private money lender that works in your market, they may be able to give you very helpful feedback about whether or not your spending plan for the project is on track and realistic.” - Cynthia MeyerThis week on Real Life Planning Podcast:💡When do real estate investors use a hard money loan? [00:00:47]💡What are the typical terms and costs of a hard money loan? [00:02:10]💡What risks should you consider before taking a hard money loan? [00:05:47]💡What key questions should you ask a hard money lender? [00:08:22]💡Understand real estate project obstacles with a private loan [00:10:29]Connect with Real Life Planning:Facebook: https://www.facebook.com/reallifeplanningLinkedIn: https://www.linkedin.com/company/real-life-planningX: https://x.com/cynthiameyer_ff​Instagram: https://www.instagram.com/rentalpropertyclub/Pinterest:https://www.pinterest.com/reallifeplanningEmail: [email protected]  About the Real Life Planning PodcastHosts Cynthia Meyer and Vekevia Tillman-Jones explore practical steps for real estate investors to build financial freedom and make working for someone else optional.The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering. Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.