FinancialGinger

Most people shop home insurance completely wrong and don’t realize it until a claim gets denied.In Episode #49, I break down exactly how I, as an insurance agent, shop for home insurance across multiple carriers to get the best coverage, pricing, and protection.Sure you can save a few bucks with some optional coverages, but there are some really cheap optional coverages people often leave off that can result in denied claims. Things you ASSUME are covered unless you ask, or have a good agent.Here’s some super common mistakes:- Why market value ≠ insurance value (huge mistake) - The information you need to get accurately priced quotes- Why you shouldn’t use a “get a quote now” website- the 5-agent strategy (3 brokers and 2 captive agents) that’ll piss off your current insurance agent- How to compare quotes- Replacement cost vs actual cash value- Water/Sewage backup and Buried Utilities Lines Coverages- Inflation Guard and how it can silently jack up your coverage or your price- Deductible strategies to save literally thousands of dollars over the life of your home- optional coverages most people don’t know exist- Red flags that agents don’t always explainIf you’ve purchased a home in the last 10 years, there’s a chance you’re either overpaying… or dangerously undercovered.Connect with Jacob:🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/JacobInsuresUtah – Text or call for free quotes: 801-216-8444 [email protected] — Wise money choices, for peace and empowerment.Subscribe for more real-world insurance breakdowns, financial strategies, and no-BS advice. 🎤🎤 Episode #49: FinancialGinger

Do fit people become rich… or do rich people just have time to get fit?In Episode #48, I sit down with certified trainer Nathan Brennan to break down the real connection between fitness, discipline, and financial success. Nathan explains why your health might be the highest ROI investment you’re ignoring.This isn’t about getting shredded or super buff. It’s about building the habits that compound into everything else in your life.What you’re going to get by listening:- The “rich habits” that connect fitness and financial success- Why confidence from exercise spills into better money decisions- The simplest workout plan for beginners (3 days a week)- How to start if the gym feels overwhelming- The 4 foundational movements everyone should be doing- Why most people burn out trying to do too much too fast- The role of sleep, recovery, and hydration (that people ignore)- Creatine, protein, and basic nutrition simplified- Why “you’re worth it” is more than just motivation, it’s a framework that spills into business, relationships, and personal life.- The mindset shift: treat workouts like a doctor’s appointmentConnect with Nathan Brennan:Insta: https://www.instagram.com/coachnathanbrennan/Website: https://brennanfitnessacademy.comConnect with Jacob:🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for more real-world financial conversations and no-BS advice. 🎤🎤 Episode #48: FinancialGinger

Are you tired of $4,000 mortgage payments on a “starter” home? In this episode, Justin Midgley (Prime Real Estate Experts) breaks down exactly why house hacking is the smartest, lowest-risk way to own a home in Utah’s crazy market.We rip apart the detached ADU hype (yes, even Tanner Gattmeyer’s), show the real numbers on costs and ROI, and reveal how internal house hacking can slash your payment 30-70% while you control a bigger, faster-appreciating asset.Justin and Jacob talk about:How to house hack properly (rent the main level, live in the basement – or the reverse)Good leverage vs. dangerous over-leveraging (and the 2008 lessons still applying today)Utah-specific zoning, legality, and illegal ADU traps that can cost you everything50-year affordability data that proves house hacking gets you back to the 20% income sweet spotPrincipal paydown, tax write-offs, and why a $600k house with renters can feel cheaper than a $400k townhomeThe mindset shift: build income first, then invest – real estate is NOT passive incomeIf you’re a first-time buyer, serial house hacker, or just tired of feeling house poor, this episode gives you the exact playbook to make housing affordable again.Connect with Justin Midgley!Insta: https://www.instagram.com/justinmmidgley/https://homelordsystem.com/Connect with Jacob🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for more real-world insurance breakdowns, financial strategies, and no-BS advice. 🎤 Episode #47: FinancialGinger

If you’ve ever clicked a “Get a Quote Now” button, you’re already shopping your auto insurance wrong.You’re gonna get bombarded by 100 insurance agents for the next 6/monthsHow do insurance agents actually shop for auto insurance? Today, I explain how I, as an insurance agent that shops 25 insurance carriers every day, would get quotes to make sure I’m getting the best price, and best coverage I can.- What information do you need to get a quote? - How to shop like an insurance agent- Coverages you may and may not need- Smart ways to lower premiums without screwing up your coverage- Optional coverages most people don’t understand or misuse- Flags to signal “It’s time to shop my insurance”Whether your rates just went up, you’re adding a teen driver, buying a new (or old) car, or just want peace of mind, this episode will help you get better rates and better protection.Drop a comment, I read every one!👇👇👇When was the last time you actually reviewed or shopped your auto insurance? 👇🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for more real-world insurance breakdowns, financial strategies, and no-BS advice. 🎤Best quote from the episode? “Full coverage has nothing to do with your teenager’s medical bills.” I’ll explain on the inside, so click play!Jacob Insures Utah – Text or call for free quotes: 801-216-8444 [email protected]🎤 Episode #46: FinancialGinger

Are you actually ready to buy a house… or are you about to make a really expensive mistake?In Episode #45, I sit down with Darcee Oliva (aka the “dog-friendly realtor”) to break down what it really takes to be ready to buy a home—and where most people get it wrong.This isn’t just about getting approved for a loan.It’s about knowing if you can actually afford the life that comes with it.We cover:- The real “green flags” that mean you’re ready to buy- Why buying a home is NOT a 30-year commitment- The biggest mistakes first-time buyers make- How to avoid becoming “house poor”- Why talking to a lender early changes everything- Hidden costs people forget (utilities, repairs, insurance, HOAs)- What to know about condos, townhomes, and starter homes- Why inspections matter (even on new builds)- Red flags that mean you should NOT buy yetIf you’ve been thinking about buying a house, or wondering if now is the right time, this episode will give you clarity. So click play!Connect with Darcee! - Darcee Oliva"The Dog Friendly Realtor"Insta: https://www.instagram.com/realtordarceeutah/Connect with Jacob🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for more real-world financial conversations and no-BS advice. 🎤🎤 Episode #45: FinancialGinger

How much money do you actually need to retire?Most people think the answer is “millions”… but they’re solving the wrong equation. You may think it’s $1.5 or $2.5 Million, but I’m gonna show you how it’s often times as much as 60% LESS than what you think.In Episode #44, I break down a simple framework for retirement that applies whether you’re in your 20s, 30s, 40s, or even starting late.This isn’t about complicated investing strategies.It’s about understanding what you actually need… and how to get there.In this episode, we cover:Why retirement is about covering expenses, NOT replacing income- The 4% rule (and how to actually use it)- Why most people overestimate how much they need- 4 reasons you need to less to retire than you think- Real examples that show how your “retirement number” might drop by hundreds of thousands- How much you should have invested by each age- Why starting early matters more than investing huge amounts later- The 3 main ways people build retirement income- Simple investing basics (401k, Roth IRA, ETFs)If you’ve ever felt behind, confused, or overwhelmed by retirement planning… this episode will simplify it and give you the NEXT step to take to feel CONFIDENT in your ability to retire.Ask a question, get an insurance quote, or follow along here!🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for more financial strategies, real-world breakdowns, and no-BS advice. 🎤🎤 Episode #44: FinancialGinger

What should you do when your parents pass away and leave you their home?What about all their stuff?Sure you may want the childhood painting from your father, or the pearl necklace that’s been passed down generations. But what about all the other stuff?Devere Wilkey’s family has been in the antiques and estate business for 2 generations now, with her parents running one of the largest antique shops in Utah County, Confetti Antiques & Books. Combine that knowledge and skill with her Realtor experience around older and well loved and lived in homes, and you have a powerful hub for knowledge around antiques, estate sales, and respectfully managing your parents belongings after they pass.From emotional family dynamics to hidden value sitting in closets, this episode covers what to do, what NOT to do, and how people accidentally lose thousands by handling estates the wrong way.Devere and I (Jacob Johnson, FinancialGinger), sit down and talk about:- What ACTUALLY happens first after someone passes in an estate- Executor of Estate responsibilities after someone passes- Valuing House as well as the contents- How estate sale companies operate and why using an estate sale company can net you thousands of extra dollars and why it’s easier than DIY solutions- Dealing with emotional family dynamics around grief & money during the estate sale process- Big mistakes made: throwing things away, donating highly sellable and valuable items, and underestimating the value on vintage/antique items (ESPECIALLY CLOTHES!)- What NOT to do, before talking with an estate sale company- Real Estate strategies around estates (inheritance deadlines, debts, sell as-is or renovate?)- How Realtors can help determine what is worth repairing and what isn’t before selling an inherited home- And so much more!If you have aging parents and may have to deal with a family estate soon, this episode will save you stress, and family conflict.Devere Wilkey, REALTOR® Better Homes and Gardens Real Estate Momentum 385-447-3480Instagram @WilkeyHomes Pinstripe Estate Services – Any Estate Big or Small https://share.google/xYJKcUy0rL8VZYjUqConfetti Antiques & Bookshttps://confettiantiques.com/Drop a comment:What’s one item you’d fight to keep from your grandparents’ house? 👇🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/Subscribe for more real-world financial conversations, estate strategies, and no-BS advice. 🎤🎤🎤 Episode #43: FinancialGinger

What if the reason your business isn’t growing… is because you’re doing too much manually?Ryan Howard, founder of Redline Design, joins FinancialGinger to break down how automation, AI, and smarter marketing systems are replacing the old “just work harder” mindset.From building custom AI tools to eliminate repetitive tasks, to fixing broken marketing funnels that waste thousands in ad spend, Ryan explains how modern businesses actually scale revenue without burning out.In this episode, you’ll learn:- Where to start if you have zero marketing system (and don’t want to waste money)- Why most businesses fail at ads before they even start- The difference between getting leads and actually converting them- How automation can turn 80-hour work weeks into scalable systems- Real examples of AI tools that save hours every week- What NOT to automate (and where human interaction still matters most)If you’ve ever felt stuck, overwhelmed, or like there has to be a better way to grow… this episode gives you some strong insight into Marketing, AI Use that allows YOU to focus on being creative, and building smart systems in business.Listen and learn how to build systems that work, so you can focus on what matters.Find Ryan here:IG: https://www.instagram.com/rhoward333/YouTube: https://www.youtube.com/@RedlineDesign-llcRyan Howard is what happens when someone becomes slightly obsessed with automating everything and refuses to live a boring life. He’s the founder of Redline Design, where he helps businesses grow through smarter digital advertising and marketing strategy, building systems that turn attention into real revenue. Coming from humble roots, Ryan built his path through hard work, curiosity, and a healthy refusal to stay comfortable for too long. When he’s not building campaigns or testing new ideas, you’ll usually find him around supercars, motorcycles, racetracks or chasing the next adventure—because “relaxing” has never really been his strong suit.Ask a Question and connect here!🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for more business systems, financial strategies, and real-world insights 🎤Episode #42: FinancialGinger00:00 – Intro + Why Automation Matters More Than Ever02:10 – Ryan’s Background + Building Redline Design05:30 – Where to Start If You Have ZERO Marketing System09:15 – Free vs Paid Marketing: What to Do First12:40 – The Power of Consistency (and Why Most People Fail Here)16:20 – Automation Tools (Metricool, AI workflows, content distribution)20:10 – The Insurance Quoting Problem (Real Example of Broken Systems)26:30 – Building Custom AI Tools (Claude, web portals, automation workflows)32:15 – How AI Can Replace Hours of Manual Work36:40 – Security Risks with AI (What to Watch Out For)40:20 – The “Lazy” Philosophy: Automate Once, Save Time Forever45:10 – Biggest Marketing Mistakes (Burning Money on Ads Too Early)49:30 – Why Most Businesses Fail to Convert Leads (No CRM, No System)54:00 – What Should NOT Be Automated57:30 – How to Think in Systems Instead of Tasks1:01:00 – Final Advice: Build Once, Scale Forever

I’m turning 32, and instead of a normal episode, we brought in the family. My nieces Gwen, Emilynn, and Katie join the show, along with guests Joshua and Brandon, for one of the most unpredictable conversations we’ve had yet.What would you ask an 8-year-old about money, if you could ask them anything?I’m excited to share some fun interviews with my 3 nieces Gwen, Emilynn, Katie, and some of my friends Joshua & Brandon.We riff on financial wins and missteps, I share my guilty financial habit, buying board games, life hacks, and plenty of birthday chaos. It’s heartfelt, funny, and a little all over the place…. in the best possible way.What you’ll hear in this episode:- How kids naturally think about money (and what adults get wrong)- Real-life lessons on spending, saving, and priorities from different perspectives- The emotional side of money decisions most people ignore- How hobbies (like board games) impact your budget more than you think- What turning 32 has me thinking about in relation to  money, life, and long-term thinking- Why “perfect financial planning” isn’t what actually works in real lifeIf you’re into:- Family interviews, board games, and real-money talks- Honest takes on student loans, budgeting, and choosing the right school for you- Lighthearted, funny, sometimes silly banter with a dash of life coachingthen click play. You’ll walk away with laughs, insights, and maybe a few new game recommendations.🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for more reacts and financial truth bombs! 🎤

Did you know that 71% of FSBO (For Sale By Owner) real estate transactions result in litigation?So, you need a realtor. How do you sell your home without spiraling?What about dealing with all the emotions of selling a home you’ve owned forever?What do you do when crazy things come up, like mold, foundational cracks, or more?How does a good agent help you navigate markets and pricing shifts?Kelsie Jimenez (Perry Group realtor, former general contractor, and mom of 4) shares the raw truth about selling a home in Utah, the emotional rollercoaster it can be, why perfectionism hurts sellers, and the mistakes that cost people thousands.In this episode you’ll learn:- How to sell without spiraling, even when your home holds decades of memories- The power of honest disclosures, mold tests, radon, and sewer scopes (and why skipping them backfires)- Staging, decluttering, and seeing your home through a buyer’s eyes- Red flags Kelsie spots instantly from her general contractor background (roofs, electrical, foundations)- Who she works with (and who she doesn’t) and why knowing your Real Estate agent’s skills are vital when establishing that relationship.Whether you’re selling your forever home, moving out of state, or buying your first house, Kelsie’s no-fluff advice will save you stress, money, and maybe even potential lawsuits.You can find Kelsie here! https://www.instagram.com/kelsiejimenez/ 🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for more reacts and financial truth bombs! 🎤Episode #40: FinancialGinger#SellingYourHome #FSBO #RealEstateUtah #UtahRealtor #HomeSellingTips #SellingWithoutSpiraling #SellerDisclosures #UtahRealEstate #FinancialGinger

In Episode #39, I react to Utah Insurance Commissioner John Pike's viral clip and explain why it's NOT the full story—insurers CAN non-renew for bad roofs, junky yards, wildfire risks & more. Dive into Utah's new HB 48 law (effective 2026): standardized wildfire maps, required explanations for >20% rate hikes or non-renewals, high-risk property fees for mitigation fund, and why your mortgage/escrow might suddenly jump $800/month.Ready to see me get mad and say some bad words? Come along and laugh with some funny memes and bad financial advice.Laugh as I roast wild Facebook claims, biggest financial mistakes (no budget, whole life insurance traps, $65k trucks before retirement, lifestyle creep), and bad advice memes.Relax and laugh a little as I talk about wildfires, and funny budget memes.Share your biggest financial regret below! 👇👇👇🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for more reacts and financial truth bombs! 🎤Episode #39: FinancialGinger

Here are at LEAST 6 ways you can make money or save money with a backyard ADU. From mother-in-law living, to a backyard rental, to a podcast studio, or Air BNB, there’s never been a better time in Utah to consider a tiny home in your backyard.Tanner Gappmayer (co-founder of Summit Luxury Dwellings) dropped the most practical truth bomb about solving Utah’s housing problems… and it starts with your backyard.Listen and learn…- How to add a day one cash flowing 500 square foot ADU rental in your backyard- The difference between a mobile home, and manufacture home quality- Creative ways people use ADUs: grandparents, multi-generational living, 1% rule rentals, micro-resorts, camping retreats, and even first-time home buyer communities- How high quality ADUs expand housing opportunities in an all-time expensive Utah real estate market- Creative low-cost ways to get an ADU in your backyard.- Of course, we also talk about insuring them.Whether you want to help your parents downsize, keep your kids close, cashflow an extra $500–700/month, or want tp get into real estate without buying a second property this episode gives you the exact playbook to get creative with “tiny homes”00:00 – Meet Tanner - Perry Group Top Agent 202502:30 – Why Tanner left lending to build ADUs04:45 – What actually is a Luxury ADU? (sizes, pricing, steel frame + real property on foundation)08:20 – All-in cost breakdown: $79K–$99K home + $15K–$18K site prep = ~$120K total11:10 – Utilities & installation (pull from existing house, concrete partners, 10–12 week total timeline)15:30 – Creative uses: granny pods, multi-gen living, rentals that are 1% rule friendly, micro-resorts, workforce housing20:45 – City regulations & owner-occupied rules (Spanish Fork/Salt Lake City = friendly, Orem = tough)25:00 – Financing options: renovation HELOC on future value (Renify), construction loans, live-in-ADU + rent main house30:15 – Future vision: land development for ~$200K turnkey first-time buyer homes (land + ADU)35:40 – Insurance tips (Coverage B for other structures + why you need to call your agent)38:50 – The Turnkey Power of ADUSFind Tanner on Instagram!https://www.instagram.com/tannertinyhomes/Ask a Question and connect here!🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for the latest from FinancialGinger 🎤Episode #38: FinancialGingerThanks to Prime90 for sponsoring this episode!Use code Ginger15 for 15% off!Nutrimax Canine - https://prime90.com/product/canine-supplement/Prime90 Human Trace Mineral - https://prime90.com/product/prime-90-complete-mineral-supplement/ #ADU #TinyHomeUtah #AccessoryDwellingUnit #UtahHousing #MultiGenerationalLiving #1PercentRule #BackyardRental #AffordableHousingUtah

“Just make a budget” doesn’t work for most people…. and now you’ll finally understand why.The real problem isn’t math. It’s emotions.If you’re stuck in the shock-regret-shame cycle, impulse shopping, or feeling guilty every time you spend, no spreadsheet in the world is going to fix it. But when you finally deal with the emotional side of money, everything changes! Your spending naturally aligns with your values and you stop leaking money on things that don’t even matter to you.In this episode of Financial Ginger, Jacob Johnson sits down with spending coach Mary Ann Stenquist (Become Unshoppable) to expose the hidden psychology behind overspending. Mary Ann reveals her game changing framework: the 6 Spending Types (tied directly to Maslow’s Hierarchy of Needs) and shows exactly why awareness of your primary spending type is the fastest way to break free from emotional spending for good.You’ll also hear:How to finally handle “non-monthly but not emergency” expenses (tires, dental bills, holidays, car registration) with sinking fundsWhy budgets feel so restrictive (especially for new moms or anyone who already feels limited) and how to fix thatThe power of the “pause” before every purchaseGuilt-free money for couples so board games, trips, or leather boots don’t start fightsWhy credit cards are dangerous for certain spending types (they separate the dopamine hit from the pain of paying)The powerful reframe: “If it causes shame, it’s too expensive”  even if you can technically afford itKey quotes you’ll want to remember:“Overspending is not a logical issue to be solved — it’s an emotional issue to be addressed.”“We’re not buying the object… we’re buying what it does for us.”“Budgets are designed before you have a chance to spend the money and after it’s been spent — never in the moment when impulses win.”Whether you’re a 6-figure earner still living paycheck-to-paycheck, a stay-at-home mom battling guilt, or anyone tired of the “I know better but I still do it” cycle.. hit play now.About Mary Ann:As a Spending Coach, Mary Ann helps ambitious women overcome overspending by identifying the emotions that cause them to splurge. Through her approach, women break free from the shop-regret-shame cycle and learn to align their spending with their values, not their impulses.Free quiz and clarity calls at becomeunshoppable.com.Instagram: https://www.instagram.com/becomeunshoppable/ https://becomeunshoppable.com/spending-type-quiz/ Workshop Waitlist Page https://subscribepage.io/R90VOlAsk a Question and connect here!🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for the latest from FinancialGinger 🎤Episode #37: FinancialGingerThanks to Prime90 for sponsoring this episode!Use code Ginger15 for 15% off!Nutrimax Canine - https://prime90.com/product/canine-supplement/Prime90 Human Trace Mineral - https://prime90.com/product/prime-90-complete-mineral-supplement/ #EmotionalSpending #SpendingTypes #BudgetFail #MoneyMindset #SpendingCoach #FinancialFreedom #BecomeUnshoppable #FinancialGinger #UtahFinance

Home Warranties Exposed: Why Traditional Plans FAIL & The NEW Homescription Subscription Actually Works (Utah 2026)Home repairs aren’t “if” … they’re “when.” Water heaters, furnaces, AC units, appliances, they ALL breakdown. Traditional home warranties are full of loopholes, denials, and gotchas that leave homeowners with thousands in surprise out-of-pocket bills. But Utah’s Elevate Homescriptions is flipping the entire game.In this episode of FinancialGinger, Jacob Johnson sits down with Ryan Keisel, co-founder of Elevate Homescriptions, to expose the broken home warranty industry and reveal the world’s first proactive all-in-one home service subscription.You’ll discover exactly how Homescriptions combine maintenance + repairs + convenience to turn homeownership into home rentership?Key takeaways that will save you thousands:- Home Insurance vs Homescriptions: What each actually covers (and the $10k gaps most people miss)- The “when” not “if” reality of home breakdowns- Why traditional warranties are a race to the bottom with endless loopholes- Who Home Warranties are and aren’t for: first-time buyers, out-of-state movers, real estate investors, and busy families- The 1% home value rule every homeowner must know (Saving for Repairs!)Whether you’re buying your first home in Utah, managing rental properties, or just tired of DIY disasters and surprise repair costs, this episode gives you the exact blueprint to protect your budget and your time in 2026.About Ryan KeiselRyan Keisel is the co-founder of Elevate Homescriptions — the world’s first proactive home service subscription built in Utah to replace the outdated, frustrating home warranty model. Proud husband, dad of 5, and new grandpa, Ryan is on a mission to give homeowners financial peace of mind and more time with the people they love.Get Your Quoteelevatehomescriptions.comCall/Text Ryan: 801-830-1237This episode is sponsored by Prime90. Use code GINGER15 for 15% off your first order!Nutrimax Canine: https://prime90.com/product/canine-supplement/Prime90 Human Complete Mineral: https://prime90.com/product/prime-90-complete-mineral-supplement/Risk-free 30-day money-back guarantee.Ask a Question and connect here!🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for the latest from FinancialGinger 🎤Episode #36Segments0:00 - Is Utah CANCELLING driving privilege cards for non-citizens?4:00 - What Home Insurance Does and Doesn’t Cover12:00 - Home Warranties Are BROKEN20:00 - Homescription Vs Home Warranty32:00 - Who DOESNT need a Homescription?42:00 - REAL CLAIM What Happens When Your Vacant Homes Pipe Freeze?

Estate planning isn’t just for the ultra-wealthy… it’s a matter of life and death that affects every family, every home, every rental property, and every retirement account. Yet most people roll the dice with no will, outdated insurance, or misunderstood trusts, leaving loved ones fighting probate battles, surprise taxes, or lost assets.What’s a trust, what’s revocable or irrevocable, what’s a will or pour-over will?what’s probate do when you die? We’ll talk about that and more.In this deeply educational episode, attorney Blaine Edwards (Novel Law Group) pulls back the curtain on what actually works in Utah. From the shocking truth about revocable trusts (they don’t protect you from lawsuits), to why probate isn’t the nightmare people think, to how irrevocable trusts and LLCs can shield rental properties or risky businesses—Blaine breaks it down with real-world examples and insider legal insight.Key takeaways you’ll wish you knew sooner:Why signing a trust document means nothing unless you actually transfer assets into it (most people never do).How revocable trusts preserve the magical step-up in basis — Capital Gains tax savings!!!LLCs vs. trusts for asset protection: when one beats the other, and the deadly “alter ego” mistake that lets creditors pierce the veil in a liability lawsuit.The insurance disaster that happens when heirs don’t update policies after a loved one dies (claim denied = total loss).Why dying intestate (no will) means the state decides who gets what…. and it’s rarely what you want.“Probate is not this terrible process here in Utah… If all the siblings or whoever the beneficiaries are, if they’re all in agreement, it can actually be a very slick process.” — Blaine Edwards“If you don’t have a trust or a will or anything and you pass away… you’re kind of rolling the dice on your wishes actually being met.” — Blaine EdwardsWhether you own a home, rental properties, a business, or just want to protect your kids from family fights and surprise taxes, this episode is your wake-up call. Blaine reveals the exact steps to avoid common pitfalls, and when a simple will is actually enough.If you’re in Utah, planning for blended families, worried about lawsuits, or just tired of guessing about trusts and LLCs… hit play now.—-----------------------------About Blaine Edwards:From the engine room of a nuclear submarine to the boardrooms of Wall Street’s biggest banks, Blaine has spent his career mastering complex systems. With 13 years of experience as an attorney, he blends high-level technical expertise (MS in Data Analytics, BS in Computer Science/Nuclear Tech) with deep legal insight.After a tenure in Intellectual Property at a major Charlotte firm and a role in Corporate Risk at Wells Fargo, Blaine returned to his roots to provide personalized legal counsel. His practice covers:Estate & Business PlanningFamily Law & ProbateGeneral LitigationA maker at heart, Blaine enjoys the precision of CNC machining and 3D printing—a hobby that mirrors his meticulous approach to the law. He loves being with his wife and sons and loved skiing (even if there hasn't been much snow).Connect with Blaine EdwardsWebsite: novel.lawReach out for personalized estate planning, probate, or asset protection advice.Ask a Question and connect here!🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for the latest from FinancialGinger 🎤Episode #35: FinancialGingerHave you ever dealt with probate surprises, a denied insurance claim after inheritance, or confusion over trusts vs. LLCs? Drop your story or question below I read every comment!Thanks to Prime90 for sponsoring this episode! Use code Ginger15 for 15% off!Nutrimax Canine - https://prime90.com/product/canine-supplement/Prime90 Human Trace Mineral - https://prime90.com/product/prime-90-complete-mineral-supplement/ 

Buying a home is the biggest financial decision most people will ever make… yet almost everyone gets blindsided by escrow surprises, PMI payments, and underwriting gotchas that can derail the whole deal.In this episode, licensed mortgage broker Joshua Duke (Remarkable Home Loans) pulls back the curtain on what actually happens behind the scenes. From escrow account shocks (why your payment can jump $800 overnight) to why mortgage insurance isn’t the enemy, and exactly how underwriters think…this is the no-fluff guide every buyer needs BEFORE they start house shopping.Whether you’re a first-time home buyer, planning to refinance in 2026, or just tired of guessing, Josh reveals the insider strategies the big online lenders never explain.Mortgage insurance isn’t a punishment — it’s a risk management tool that lets you buy sooner and capture appreciation. - Josh DukeIf you’re buying, refinancing, or just want to stop getting screwed by surprise mortgage increases… click play—---------------------About Josh:Josh Duke was born in Idaho Falls and raised in Eagle Mountain, Utah, where he’s lived for over 20 years, long enough to know Eagle Mountain back when it was still wide open He studied business and economics and has spent the last four years as a licensed mortgage broker with Remarkable Home Loans. He learned early on from his dad—who built his business by treating clients like family—that relationships matter more than transactions, and that’s how Josh operates today. Josh is a self-proclaimed finance nerd because dollar-signs make numbers so much more interesting.Connect with Josh DukeWebsite: www.utahcountymortgage.comInstagram: @thejoshduke (DM him — he actually replies)Drop your biggest mortgage question below 👇Have you ever had an escrow nightmare or PMI surprise? Share it — we read every comment!Ask a Question and connect here!🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for the latest from FinancialGinger 🎤 Episode #34: FinancialGinger#FirstTimeHomeBuyer #MortgageTips #EscrowExplained #PMI #HomeBuying2026 #MortgageSecrets #UtahRealEstate #Underwriting

Most people think debt is about interest rates. It’s not. It’s about behavior.In this episode of FinancialGinger, Jacob Johnson sits down with Financial Coach Brett Huntington to break down why budgeting fails, why motivation is unreliable, and why debt is more emotional than mathematical.Brett explains how credit card companies have mastered the psychology of spending: they separate the dopamine hit of purchasing from the pain of paying for it.Read that again… “Credit Card Companies separate the dopamine hit of purchasing… from the pain of paying.”Brett reveals why spreadsheets alone don’t fix spending habits, and why discipline and systems, not intensity and white knuckling, is what creates long-term financial freedom.We need a powerful motivating focus to give a good enough “WHY” to controlling our money, then it becomes easy to set up a system that works.Listen for these 4 powerful segments:- The Dopamine Trap: How credit cards trick your brain into spending more.- Math vs. Behavior: Brett states, “Debt isn’t a math problem. It’s a behavior problem.”- The Spreadsheet Fallacy: “If you don’t change the behavior, the spreadsheet doesn’t matter.”- Sustainable Systems: Why "crash dieting" your budget always fails.Brett will teach you: - Why Shame keeps people stuck financially- the psychology of credit cards and impulse spending- How to build a budget that accounts for life happening- What financial freedom implies and means to different peopleAre you stuck in debt? Angry with budgeting? Tired of feeling behind despite making good money? If you’re ready to fix that… click play.—--------------------About: Brett Huntington – Do you wish you could stop living paycheck to paycheck? Brett is a personal finance coach who specializes in helping couples escape the paycheck-to-paycheck trap. He helps people design a lifestyle by proactively planning instead of reacting to everyday life, building a budget system for intentional spending.—--------------------Ask a Question or Suggest a Guest:🌐 bio.site/FinancialGinger📧[email protected] — it’s not about impressing you… it’s about serving you.Subscribe for the latest from FinancialGinger 🎤 Episode #33: FinancialGinger

The real estate market isn’t crashing. It isn’t booming. It’s exposing people who don’t understand the math.In this episode of FinancialGinger, Jacob Johnson sits down with Real Estate Investor, House Hacker, Flipper, Land Developer, and all-around badass Blaine Brady to break down how to make real money in real estate right now……and why most buyers are making emotional decisions instead of good financial ones.From house hacking for beginners to advanced strategies like wholesaling and land entitlement, Blaine reveals the roadmap he used to build his portfolio, and how he’s done over $100 Million in real estate deals in the last 4 years alone.Blaine explains how negotiation mistakes, poor risk assessment, and fear-driven timing cost buyers tens of thousands of dollars. He walks through why appreciation headlines distract from what actually builds wealth: the art of the deal..Key takeaways from this episode:- "Your house is a liability": Why your primary residence isn't the investment you think it is.- The Golden Rule: “You make your money when you buy, not when you sell.”- Strategy Breakdown: The difference between Flipping, Wholesaling, and Land Entitlement.- The "Safest" Bet for your average home buyer: Why House Hacking is the ultimate entry point for new investors.We also discuss:- Why interest rates alone don’t determine affordability- Different types of home insurance you need for flipping vs renting a property- How to think like an investor even if you’re buying your first homeIf you’re considering buying, selling, or just trying to understand whether the market is “good” or “bad,”... click play.—--------------------About Blaine: In 4 plus years, Blaine Brady has transacted over $100M in real estate as a Flipper, Wholesaler, and Buy N Hold investor.  Transitioning from corporate America for 12 years, to unemployed for 6 months during the 2020 COVID pandemic to entrepreneur living his dream life now.  He is excited to share his path and success tips for those new to real estate investing or those experienced investors looking to recharge their business and outlook in 2026.Connect with Blainehttps://linktr.ee/blaine.brady—--------------------Ask a Question or Suggest a Guest:🌐 bio.site/FinancialGinger📧[email protected] — it’s not about impressing you… it’s about serving you.Subscribe for the latest from FinancialGinger 🎤 Episode #32: FinancialGinger#househacking #realestateinvesting #wholesaling #utahrealestate

In an industry known for "storm chasers" and shady insurance tactics, how do you build a 28-year family legacy with integrity? In this episode, Silas Olsen joins Jacob to reveal what it really looks like to apply biblical principles to high-stakes business decisions.Silas shares how his Christian faith shapes the way he leads crews, handles insurance claims, and navigates high-pressure decisions that affect homeowners’ largest assets. From denied roof claims to storm-season chaos, he explains why integrity matters more than speed and why cutting corners always catches up.Silas reflects on lessons from serving a mission in Málaga, Spain, earning a microbiology degree from BYU, and applying structured thinking to an industry that often runs on urgency and emotion.We also discuss- Faith vs. Fear: How to make payroll and lead a team when the storms (literal and metaphorical) hit.- The "Free Roof" Myth: The truth about insurance claims that most contractors won't tell you.- The Microbiology Pivot: Why Silas went from a science lab to a roofing truck.- Stewardship: Viewing your business as a resource to protect for your clients, your employees, and your family.“Trust God, expect miracles” isn’t about passivity. It's about acting with discipline while believing outcomes are ultimately blessings from God.“And the Lord said unto Gideon, The people that are with thee are too many for me to give the Midianites into their hands, lest Israel vaunt themselves against me, saying, Mine own hand hath saved me.” Judges 7:2—-----------------------------About Silas:Silas Olsen is a second-generation roofing contractor and co-owner of Olsen Roofing, a company serving residential, commercial, and industrial clients for over 28 years. After earning a Bachelor’s degree in Microbiology from Brigham Young University—graduating Magna Cum Laude with a 3.98 GPA—Silas chose to build in the trades rather than pursue a traditional science career, partnering with his father in the family business in 2018.Before entering the roofing industry, Silas served a two-year mission for The Church of Jesus Christ of Latter-day Saints in Málaga, Spain, an experience that shaped his discipline, work ethic, and long-term mindset. His background in science and systems thinking now influences how he approaches roofing—prioritizing structure, longevity, and risk management for homeowners and commercial property owners alike.Silas grew up in American Fork, where he competed in football and wrestling at American Fork High School. Today, he balances business ownership with family life alongside his wife, Kara, and their four children, with #5 on the way.Social MediaInsta: @silas_olsen_roofingInsta: @olsenroofing—-----------------------------Ask a Question or Suggest a Guest:🌐 bio.site/FinancialGinger📧[email protected] — it’s not about impressing you… it’s about serving you.Subscribe for the latest from FinancialGinger 🎤 Episode #31: FinancialGinger#ChristianEntrepreneur #FaithInBusiness #RoofingBusiness #BiblicalFinance

Thinking about buying that brand new car? Wait! We ran the math, and the results are terrifying. In this episode, Certified Financial Planner Michael Espinosa breaks down exactly how much wealth you lose by driving off the lot… and how buying used could help make you a millionaire.Michael Espinosa, CFP®, tells us that 4 used cars were mathematically cheaper for him than one used car would have been. We’re going to show you the math to break down the numbers behind one of the most normalized wealth killers in America: new car purchases.We walk through depreciation curves, financing structures, and the long-term opportunity cost of tying up tens of thousands of dollars in a rapidly declining asset. Michael explains how dealerships anchor buyers to monthly payments instead of total cost — and why extended loan terms quietly increase financial fragility.The conversation goes deeper than cars. It addresses status signaling, lifestyle inflation, and the subtle psychological pull to “look successful” before becoming financially stable. They compare what happens when someone repeatedly buys new vehicles versus strategically purchasing reliable used cars and investing the difference.The results of used cars vs new cars over 20-30 years isn’t a small marginal - it’ll be financial transformational.Because, if it’s your passion, and it’s in your budget, yeah. Go nuts and buy a fancy car. Michael’s dream car is the Porsche 911 G3 RS in Lizard Green. AND know when you can do that. “Our mortgage has to be paid off and our retirement situation completely set… then I can buy the Porsche”.If you want to understand how everyday decisions compound into financial freedom or financial pressure, this episode breaks it down clearly.—---------------------------------About The Guest: Michael Espinosa is the president of True North Retire, where he specializes in helping businesses design and manage effective 401(k) plans. He’s a Certified Financial Planner with a passion for making complex financial decisions practical and approachable. He’s currently writing a personal finance guidebook focused on clarity, values, and long-term progress. Outside of work, he’s an outdoors enthusiast, and he and his wife—also a Certified Financial Planner—often collaborate and exchange ideas around money and mindset. He’s also building a side project called Analytion, an AI-driven platform designed to help businesses gather better insights and make smarter [email protected] - for 401(k) plan assistance—---------------------------------Ask a Question or Suggest a Guest:🌐 bio.site/FinancialGinger📧[email protected] — it’s not about impressing you… it’s about serving you.Subscribe for the latest from FinancialGinger 🎤 Episode #30: FinancialGinger#FinancialFreedom #NewVsUsed #CarBuyingTips #PersonalFinance #WealthBuilding

Your furnace dies. It’s 7 degrees outside. The first quote you get is $14,000.Is that a normal furnace replacement cost — or are you being sold a full HVAC replacement you may not need?If you’ve ever wondered:- Should my HVAC be repaired or replaced?- Is this HVAC quote too high?- Why are furnace replacement estimates so different?- Why isn’t my AC working in the summer?- Why won’t my heater run in the winter?This episode will help you think clearly before making an expensive decision.Emily Shetterly and Zach Baldwin, owners of Utah Mechanical Systems, explain what actually happens when you call an HVAC company for a repair. We break down HVAC repair vs replacement decisions, how long furnaces and air conditioners typically last, and why quotes can vary dramatically between companies.We also discuss:- Common upsell tactics in the HVAC industry- The difference between a technician and a sales-driven estimator- Annual maintenance myths- Proper HVAC filter selection- How poor installation shortens system life- Carbon monoxide safety risks homeowners should understandIf you’re facing an emergency HVAC failure or planning ahead, this conversation will help you avoid unnecessary replacement costs and ask better questions before signing anything.Ask a Question or Suggest a Guest:🌐 bio.site/FinancialGingerFinancialGinger — it’s not about impressing you… it’s about serving you.Subscribe for the latest from FinancialGinger 🎤 Episode #29: FinancialGinger

Your physical health and your financial health are more connected than most people realize.In this episode, Tracey Anderson, who spent over 26 years in medical wellness and bariatrics, breaks down why weight loss is so misunderstood, why quick-fix solutions usually fail, and why doing nothing can be more dangerous and expensive over time than people want to admit. We talk openly about GLP-1 medications, diabetes, metabolism, and the real risks people face when health issues compound over time.Tracey explains why metabolism is not “broken,” why starving yourself backfires, and how sleep, stress, and food order can dramatically change outcomes. She also shares why sustainable health changes matter more than willpower, and why guilt and shame are some of the biggest obstacles to progress.This episode connects health, habits, and money in a way that is practical, honest, and approachable, without medical jargon or fear-based messaging.I really love hearing Tracey talk about overcoming an eating disorder, and how she has coached others struggling with body dysmorphy into healthier diets, and more self-love.Topics We Cover in This Episode- Why physical health directly impacts long-term finances- The truth about GLP-1 medications and weight loss drugs- Why metabolism is not broken, and how it actually works- Why extreme dieting and cold turkey plans fail- The role of sleep, stress, and consistency in health outcomes- How food “order” can help with regulating body dysmorphy - Protein affects on mood, weight loss, and energy levels- Why diabetes, neuropathy, and chronic illness are financial risks- Sustainable habit changes versus short-term fixes- Giving yourself grace while still making progressABOUT TRACEYTracey Anderson was born and raised in Detroit, Michigan, and holds a Bachelor of Science degree from the University of Cincinnati. She has spent the last 26 years working in health, medical, and wellness fields.For 15 of those years, Tracey worked with the Bariatric Medicine Institute, where she designed and implemented metabolic-based programs for bariatric surgery patients, medical and coached weight loss clients, and pediatric patients. Her work included metabolic testing, hormone counseling, and programs built from DEXA scan results.In addition to clinical work, Tracey has trained athletes and teams in sports performance, including the University of Utah Utes football team, the Utah Grizzlies, and multiple high schools across the Salt Lake Valley.Tracey’s approach focuses on sustainability, education, and helping people understand how their bodies actually work, without shame or extreme tactics.SUBSCRIBE!Ask a Question/Suggest a guest for FinancialGinger:🌐 bio.site/FinancialGingerFinancialGinger — it’s not about impressing you… it’s about serving you.Subscribe for get the latest from FinancialGinger 🎤 Episode #28: FinancialGinger

Jenna fell into real estate through her family’s construction business and brings real, hard-earned insight into the housing market on episode #27 of FinancialGinger.One uncomfortable truth right now: maybe you shouldn’t buy a home in 2026.Jenna explains situations where buying may not make sense yet. If you have to move soon after buying, you can lose money. Turning a home into a profitable rental often takes a much larger down payment than it did 10 years ago. And buying a home can limit your freedom to move when life changes.“Everyone needs to buy real estate” is often bad advice.Jenna also explains the three major emotional waves buyers go through when building or buying a home. From decision fatigue when choosing every detail, to deals falling apart because buyers or sellers get emotionally stuck or frustrated.One of my favorite parts of the conversation was about home inspections—on every house, whether it’s brand new or 100 years old. Jenna breaks down what issues are actually serious, and which ones are usually simple fixes.One of the biggest takeaways for me was how Jenna describes homes.Homes aren’t built in factories. They’re built by hand, person by person. Because of that, small imperfections are normal. Buyers often expect perfection, but recognizing the character of a one-of-a-kind home can be a good thing. That doesn’t mean accepting bad work—but it does mean having realistic expectations about a hand-built home.Topics We Cover in This Episode- When you shouldn’t buy a home in 2026- What really matters in home inspections- The emotions behind building and buying new homes- Old homes vs new homes: pros, cons, insurance issues, and surprises- FOMO around Utah’s real estate market- Down payment grants and building the right professional team- How old roofs can derail home loans- Real stories involving 1099 income and buyers who weren’t preparedA little about Jenna:Jenna grew up in Utah County and is forever tied to this area. She never saw herself working in construction or real estate, even though she grew up in a family of builders and real estate professionals. But fate has a way of making itself known! She loves helping people sell, build, and buy homes. You never really understand how emotional and personal the construction and real estate industry is until you are ready to move or build. Jenna loves being able to help people navigate all the details and emotions, and the people are the reason she loves this industry.Jenna White - New Home ConsultantsInstagram: @jenna.c.whitehttps://jennahomesales.wixsite.com/homeAsk a Question for FinancialGinger:🌐 bio.site/FinancialGingerFinancialGinger — it’s not about impressing you… it’s about serving you.Subscribe for get the latest from FinancialGinger 🎤 Episode #27: FinancialGinger

What happens AFTER you file a claim? Ever heard of a “field adjuster” or a “desk adjuster”. Who’s actually incentivized to help you after your home is damaged?Meet TJ, he’s an independent insurance claims adjuster. In this episode, you’ll see how insurance companies decide how much to pay you after a home loss, what roof claims look like from hail to rain, and how insurance companies go about making you whole after a loss.TJ and Jacob dive into a bunch of useful topics:Where does communication break down in claims? Why independent adjusters lead to higher payouts for homeownersSlopes, Percentages, Squares, and the terminology used to communicate the ACTUAL damage to your roofHow much does the age of your roof impact your claim and if you’re coveredScarily enough, you’ll see how filing a claim, EVEN if it’s denied and has zero payout, can hurt you in the future.The CRAZIEST part of the episode, you’ll hear a story about how a contractor COMMITTED INSURANCE FRAUD right in front of an insurance adjuster, while they were looking at the roof!Lastly, you’ll listen to some powerful options for when insurance companies deny claims. Should you get a public adjuster? When does an appraisal make sense? What can and can’t you argue about with your insurance? How does my policy language limit me on my claim?All that and MORE on today’s episode of FinancialGingerAsk a Question for FinancialGinger:🌐 bio.site/FinancialGingerFinancialGinger — it’s not about impressing you… it’s about serving you.Subscribe for get the latest from FinancialGinger 🎤 Episode #26: FinancialGinger

Your Home Sells Faster With Good Photos! Buyers decide in 3-5 seconds if they want to look at your home or not. Your images need to “stop-the-scroll” instead of being forgettable generic photos.In this episode Nate explains why listing photos matter more than you think and how bad photos silently KILL buyer interest. Good photos don’t just document a house, they sell a LIFESTYLE.Nathan Hahn is a disabled veteran that served 10 years in the Navy on nuclear submarines and 3 Years in the Army flying helicopters. After that he became a commercial pilot but changed careers to Real Estate to spend more time with his beautiful wife Crystal who has stuck by Him for 23 years so far. Nathan started Hahn Real Estate Media as a complete "top to bottom" real estate media company that specializes in creating stunning visual content for real estate properties, including photos and videos, floor plans, aerial drone work, agent marketing, and even social media content.In this episode Nate Hahn and Jacob, your FinancialGinger, discuss:Why photographers shouldn’t “edit problems away”How clutter destroys a lifestyle sell, and kills buyer interestWhy it’s better to re-shoot after a repair, then try to edit damage outAerial photography’s value in selling a homeThings photographers notice that buyers and sellers sometimes missNate does photography different, by standard, clear pricing, in a world where most realtors have to deal with confusing pricing. Listen as Nate explains how he ended up as a photographer.If you need real estate photos in Utah, call, text, or email NatePhone: 435-817-6781Email: [email protected]: @hahnrealestate.mediaFacebook: @hahnrealestate.mediaWebsite: www.hahnrealestate.mediaConnect with FinancialGinger:🌐 bio.site/FinancialGingerFinancialGinger — it’s not about impressing you… it’s about serving you.Subscribe for get the latest from FinancialGinger 🎤 Episode #25: FinancialGinger

Amy is a swiss army knife of real estate. Real Estate Agent for buyers and sellers, for commercial real estate, property manager, tenant placement, and more. While so many agents do just one thing like personal, or commercial, or property management. Amy talks about the skills she’s developed to work in all of those areas. I personally have had Amy help me find tenants for my properties, so I’m really excited to share this episode with you!One of the most important things we discuss is around Tenant Placement and screening. Tenant selection matters more than anything else. Amy shares some important red flags to watch for when screening, the importance of doing background checks and skip checks and income verification both to protect yourself as a landlord and your property. Bad tenants can create significant legal, financial, and sometimes even insurance problems.Many people don’t want to be Landlords, and Amy highlights the things you need to be aware of. Maintenances, legal complications, communication issues that can occur with tenants, and how the “passive income” of being a landlord is never as passive as you really thing.Listen for these key segmentsThe skill-set required to manage a rental, and why a property manager can be so helpfulHow Risk and cash-flow differ between commercial and personal real-estateHow “Passive income” of rentals isn’t nearly as passive as you thinkCommon insurance mistakes landlords makeWhy 5-plex properties are the most frustrating to own as a landlord, to manage as a property manager, or to get insurance forSetting realistic expectations for a real estate dealRegardless of where you are at in your home buying, or real estate goals, Amy will do a super good job of helping you set realistic expectations for rental income, understand vacancy, turnover, maintenance costs, how to navigate when you should self-manage or get a professional property manager, and how you need to STRICTLY treat real estate like a business if you don’t want to lose a ton of money on your investment.Connect With Amy!Amy Kendall - Real Estate Agent, Property Manager, Investorhttps://www.instagram.com/investor_amy/https://www.facebook.com/acadiapropertieshttps://www.facebook.com/AcadiaPMConnect with FinancialGinger:🌐 bio.site/FinancialGingerFinancialGinger — it’s not about impressing you… it’s about serving you.Subscribe for get the latest from FinancialGinger 🎤 Episode #24: FinancialGinger

Jordan is a long time media creator and real estate photographer. Listen about how poor listing photos can reduce showings and buyers interest. Why bad photos reflect poorly not just on your agent, but your home. Jordan explains some technique about framing, angles, and how using both videography AND photography can get you more interested buyers when you’re selling your home. It’s also nice when you’re buying a home and want to know what it looks like before going to view it.Good Real Estate photography is what makes sure you end up showing the home to those who are really interested, and saves time by disqualifying those that aren’t interested. It’s an efficiency process to get the right eyes, the right walk throughs, to sell a home well.A few interesting topics we uncover:Mistakes homeowners and agents make when DIY-ing photographyVideography and photography and their 2 different skillsetsHow aerial drone shots are becoming the standard for Utah homes, and why!Photography as an insurance and price negotiation toolHow to properly prepare your home for photographyJordan Steinagel - creating clear, compelling video that helps businesses and individuals earn attention, trust, and actionInstagram @steinagelmediaEmail [email protected] with FinancialGinger:🌐 bio.site/FinancialGingerFinancialGinger — it’s not about impressing you… it’s about serving you.Subscribe for get the latest from FinancialGinger 🎤

Mattie (known online as @_mattie_g) joins FinancialGinger to talk candidly about living with significant debt, publicly documenting the payoff process, and navigating the emotional reality of money decisions. The conversation explores why debt feels more taboo than other personal topics, how cultural normalization of payments and financing shapes behavior, and why emotional wins can matter just as much as “the math” of optimization when paying debt down.Jacob and Mattie discuss budgeting as a system rather than a personality trait, the role of discipline over motivation, and how transparency—both with a spouse and with yourself—can reduce anxiety and create momentum. The episode also examines differing debt payoff philosophies, the limits of one-size-fits-all financial advice, and how redefining “financial freedom” away from consumption can fundamentally change YOUR long-term financial freedom.How you look at money should be grounded in emotions, and behavior should be focused less on perfection and more on sustainability, self-awareness, and building systems that actually work in real life.Mattie shares several honest assessments during the showBe honest with yourself about your financesClarity comes before confidenceTalk openly with your spouse/partner about debt,Secrecy is a source of stress and friction in relationshipsBuild a system you can maintain, not some “perfect” planIdeals collapse under pressure, systems endure.Stop comparing yourself to others, focus on personal progressRedefine success and then chase itFollow Mattie on her debt free journey!🌐 https://linktr.ee/mattiegdebtfreehttps://www.instagram.com/_mattie_ghttps://www.facebook.com/profile.php?id=61583619617215https://www.youtube.com/@mattievirginiahttps://www.tiktok.com/@mattiegdebtfreeConnect with FinancialGinger:🌐 bio.site/FinancialGingerFinancialGinger — it’s not about impressing you… it’s about serving you.Subscribe for get the latest from FinancialGinger 🎤 Episode #22: FinancialGinger

Kenyon knew he wanted to be in real estate. He knew entrepreneurship was for him. And he’s here to share his vision, and how he helps you build your vision in real estate.Kenyon Wallin, builder’s agent with DR Horton, joins FinancialGinger, Jacob Johnson, to break down how new construction homes goes, from the builder’s sales process to HOA structures, insurance implications, and why Kenyon’s previous construction knowledge empowers buyers that work with him. The conversation covers common misunderstandings around HOAs, deductibles, and coverage gaps, as well as Kenyon’s path from construction and entrepreneurship into real estate.A few topic areas you’ll hearKenyon’s Journey from Call Center, to Construction, to RealtorHow Builder’s agents are a little different from traditional buyer’s agentsNew Construction Vs Older Homes: roofs, plumbing, and electrical concerns to be aware of with each productHow Home Owners Association(HOA) insurance policies interact with your home insuranceHow deductibles and coverages work in claims for HOA propertiesKenyon’s construction experience coming in clutch for home buyers that want to change properties after they buyWhy most sales agents don’t know technical construction like KenyonSome honest discussion about careers, entrepreneurship without all the “hustle culture” jib jab.I LOVED talking with Kenyon, and I look forward to hearing your insights after you listen too!Kenyon Wallin — Helping people buy their first home, dream home, and everything in betweenSocials: @kenyonutahrealtor Email: [email protected]: 801-367-6595Connect with FinancialGinger:🌐 bio.site/FinancialGingerFinancialGinger — it’s not about impressing you… it’s about serving you.Actionable financial information for Utahns.Subscribe for get the latest from FinancialGinger 🎤 Episode #21: FinancialGinger

Your Water Heater should be flushed twice a year, but most people haven’t done it in 10 years, that’s gonna cause more cost than you may realize, damage to appliances like your washer, dishwasher, fridge, toilets, showers, sinks, and just about anywhere water moves in or out of a pipe in your home.Austin got a coupon for a free water heater flush with a new home he purchased….. and the company went out of business so Austin and his neighbors didn’t get their free water heater flush. Austin looked at pricing and it seem astronomical, so he did something to fix it and Flush Pros was born.You’re going to learn the real impact hard water has on your appliances, skin, and the real financial cost it can have on you. Water Softeners shouldn’t be a luxury, they are a quality of life improvement you should consider in any home you buy.We discussMandatory annual flushes to maintain manufacturer warranties on water heaters, both tankless and non-tanklessDIY mistakes you may make, vs a certified servicing (warranties care)Hard Water Scale’s impact on appliances, fixtures and plumbingWater Softners, Whole House Water Filters, and Reverse Osmosis systemsThe best kind of salt for your water softnerWhat maintenance each water system needsWhy the pricing for these systems is SO terribly marked-up and what Flush Pros is doing to change the gameAustin Adams - Flush [email protected]://www.facebook.com/profile.php?id=61554646273265Connect with FinancialGinger:🌐 bio.site/FinancialGingerFinancialGinger — it’s not about impressing you… it’s about serving you.Actionable financial information for Utahns.Subscribe for get the latest from FinancialGinger 🎤 Episode #20: FinancialGinger

Parker is a busy entrepreneur, who's experienced the Jacob Johnson difference. Parker shares frustrating situations with insurance, ways Jacob has solved problems, and how easy it’s been to get Jacob when he needs him.We discuss:- A car accident- Adding exotic and super cars to insurance- Changing carriers- Jacob recommending ANOTHER insurance agent for a vehicle, Yeah. I helped him get insurance with someone else and I didn’t even get paid for that!- Helping find business insurance- a LOT of great advice for business, life and beyond.Scattered throughout the episodes you'll find Gems of wisdom from Parker, who’s an entrepreneur and business coach also.When you help other people win, you both win (Bake 6 more pies!)Taking Care of people now is always good policy, since they’ll end up coming back to you with the next thing you can help withLife is like a video game, you can level up your stats, and just DO things. You want to be the confident person? You can just be confident. You want to be the person who gets up early? You can just start doing it. Only YOU can hold yourself back, or push yourself forwardPessimism may keep you alive, but Optimists win in businessHow We are Emotional People designed to AIM towards a higher idealI really hope you enjoy this episode, and go do something good for yourself and others around you! Here’s an insane quote from this episode that you’ll love.“Most people don't take the action they need to take to become the person they're intended to become because they are afraid of something.They're afraid of fear, they're afraid of the fear of failure, the fear of how people are going to perceive them if they fail, the fear of how people are gonna perceive them when they're starting out and they suck and they're cringey, they're afraid of the fear of rejection.All of those things are a self-imposed limit that prevent you from becoming the person that God intends you to be.If you genuinely care about making the world a better place, about helping other people, you owe it to yourself, your family, your community, to overcome those fears, conquer those obstacles, and be a better version of yourself every single day. And if you can conquer those fears, you take action, and if you're always taking action eventually you will win.The first step is just overcoming your fear.”Parker McCumber - Business Coach, Serial Entrepreneurhttps://www.parkermccumber.com/https://www.instagram.com/therealparkermccumber/How The Hell Are You Doing This? By Parker McCumberhttps://www.amazon.com/How-Hell-Are-Doing-This/dp/B0DXL1J6XMConnect with FinancialGinger:Email: [email protected]/FinancialGingerFinancialGinger — it’s not about impressing you… it’s about serving you.Actionable financial information for Utahns.Episode #19: FinancialGinger

One of the most common questions Jacob gets is “What does it cost to get an insurance quote?”The answer surprises some, for standard auto and home insurance in Utah, it costs nothing.In this episode, Jacob breaks down how little is really needed for a quote, why legitimate agents don’t (and frequently can’t) charge for them, and the most common things that impact rates behind the scenes. He explains how insurance companies are paid, how brokers are compensated, and why working with an agent does not make your insurance more expensive.Do you know the bare minimum information needed to run accurate auto and home insurance quotes? Quotes don’t have to be a long, painful process.This episode goes deeper into topics most agents never explain, including:Why insurance quotes should always be free in UtahHow insurance companies price risk and acquire customersWhy using an agent doesn’t increase your premiumThe 6 pieces of information needed for accurate auto quotesThe key details insurers now require for home insuranceWhy roof age matters more than ever after recent Utah hail stormsThe difference between replacement cost, actual cash value, and scheduled roof coverageHow bundled policies impact both pricing and long-term stabilityHow to use quotes to ask better questions, even if you don’t switch agentsJacob also explains how reviewing your current policy can uncover hidden gaps in coverage, unnecessary deductibles, or missing protections that could cost you thousands later, and why he’s ALWAYS willing to review policies for free even if you never become a client.If you’ve ever been confused by insurance pricing, worried you’re underinsured, or avoided getting quotes because you thought it would be complicated or expensive, this episode clears it all up and can point you in the right directionQuotes are always free. Reviews are always free. And understanding your coverage is always worth it.Connect with FinancialGinger:Email: [email protected]: 801-216-8444bio.site/FinancialGingerFinancialGinger — it’s not about impressing you… it’s about serving you.Actionable financial information for Utahns.Episode #18: FinancialGinger

Homeownership feels impossible right now. Prices are high. Rates are high. And a lot of people have quietly given up on ever buying their first home.That’s exactly why Joel Jones Home Lord System exists.Joel Jones from Home Lord System joins Jacob to break down how everyday people are still buying homes right now, without having to wait for a crash, without perfect credit, and without massive cash sitting in the bank.This is for renters who feel stuck. For families who’ve been told “just save more.” For people who are doing everything right but still feel locked out of the housing market.Joel explains how the Home Lord System works, why traditional paths to homeownership leave so many people behind, and how buyers can create real leverage even in today’s “unaffordable” market. Joel is actively getting people into their first home, so this isn’t just a theory.Jacob and Joel talk about:- Why most first-time buyers are playing the wrong game- How non-homeowners can transition into ownership sooner than they think- What lenders, agents, and buyers misunderstand about affordability- How structure and strategy matter more than timing the market- Why waiting “until things get better” often costs more in the long runIf you’ve ever thought, “I’ll never be able to buy a house,” then this is for you.Homeownership isn’t dead. The old path just isn’t working anymore.Connect with Joel and learn more about the Home Lord System:[email protected]://homelordsystem.com/https://www.linkedin.com/in/thejoeljonesJoel Jones is a dynamic real estate professional with over 6 years of experience as a self-managing landlord, house flipper, money lender, and real estate agent. Having managed over 500 rental properties for other landlords and house hacking himself, Joel brings unmatched expertise in property management and investment strategies. He is passionate about helping individuals leverage real estate, including house hacking, to build wealth, achieve financial independence, and create a secure future.Connect with FinancialGinger [email protected], it’s not about impressing you… it’s about serving you.Actionable Financial Information For UtahnsEpisode #17: FinancialGinger

Most insurance claims don’t start with disasters.They start with small things people didn’t think mattered.Jacob Johnson sits down with Shanna Fowkes, from ServiceMaster by A3DS, to talk about home maintenance that protects your home from claims. What actually causes claims, what homeowners overlook, and how simple preventative work can save thousands of dollars and years of stress.Shanna shares what she sees inside homes every day; from aging hvac systems, water issues, dryer vents, and “minor” upkeep items that can suddenly turn into a major disaster. Jacob explains how calendaring maintenance can keep home insurance rates down &  why even small claims matter more than people realize.We’ll dive into- Specific maintenance items you can put on your monthly and annual digital calendar to maintain your home on auto pilot- The most common home maintenance issues that turn into insurance claims- Why water damage is one of the most expensive, and often times avoidable, losses- Shanna’s childhood housefire and how that helps her empathize with YOU when you experience a major home loss.So pull out your calendar, and set up automatic reminders for these action items so YOU can do simple home maintenance for preventing insurance claims.Owning a home isn’t about perfection. It’s about awareness, consistency, and having the right people in your corner before something breaks, so get Shanna and ServiceMaster in your corner, and Jacob as your insurance agent!If you own a home (plan to buy one in the future!) This episode will help you plan out a schedule for home maintenance, so you can prevent many common insurance losses.Shanna Fowkes - ServiceMaster by A3DShttps://www.facebook.com/servicemasterrestoreA3www.instagram.com/[email protected] with FinancialGinger [email protected], it’s not about impressing you… it’s about serving you.Actionable Financial Information For UtahnsEpisode #16: FinancialGinger

You need Quick Quality Plumbing (QQP) on SPEED DIALTracey Anderson and Jared Ostler, owners of Quick Quality Plumbing, share what they see every day inside Utah homes: small problems that turn into major damage, situations where timing matters more than price, and why trust in your service professionals is everything.Quick Quality Plumbing announces their PIMP(Plumbing Inspection Maintenance Plan) program where they’ll come to your home twice a year for FREE to inspect ALL your plumbing, and do a sewer camera inspection once a year for FREE, a water heater flush for free, and a 15% discount on any work that needs to be done. NO ONE provides value like this.Tracey, Jared, and Jacob talk about costly surprises that can be avoided, common plumbing failures, the IMPORTANCE of checking your pipes annually, and how valuable it is to have someone who will answer the phone and help even at 2 AM on Sunday Morning.Jared and Tracey preach the importance of getting 3 estimates on work to make sure you’re holding professionals accountable and getting a fair price, and explain how they are in the plumbing business for the long game.If you DON'T already have them saved in your phone, save their info for when disaster strikes.Quick Quality Plumbing801-763-7835https://www.facebook.com/quickqualityplumbinghttps://www.quickqualityplumbingutah.com/Connect with FinancialGinger [email protected], it’s not about impressing you… it’s about serving you.Actionable Financial Information For UtahnsEpisode #15: FinancialGinger

Lawyers will help in a car accident, if you got hurt, but what about when your car is totalled and the insurance company is offering you much less than you think your car is worth? The reality is ridiculous: almost no lawyer touches property damage claims.That’s where Nolan Sprosty comes in.Nolan is a collision and property damage expert who helps people uncover what their vehicle is actually worth after an accident, and why insurance offers are often thousands of dollars lower than they should be. Nolan breaks down how insurance companies calculate vehicle values, where lowball offers come from, and why so many drivers unknowingly accept less than they deserve.We are going to teach you- How property damage claims are handled behind the scenes- Why injury attorneys avoid vehicle value disputes- The most common mistakes people make after their car is totaled- What leverage actually works when negotiating a payout- How to protect yourself financially after an accident- How to protect yourself financially before you get in an accident.If you’ve ever been in a wreck, are dealing with a total loss, or simply want to understand how claims really work, this conversation will change how you look at insurance settlements.Reach out to Nolan if you’ve been in a car accident!https://collisionsafetyconsultants.us/Facebook: @Collision Safety Consultants of UTPhone @ 385-404-0468Connect with FinancialGinger [email protected], it’s not about impressing you… it’s about serving you.Actionable Financial Information For UtahnsEpisode #14: FinancialGinger

Dana was one of the first clients I ever worked with 7 years ago when I first got into insurance. What is insurance about? Is it paperwork? Is it numbers on a page? It’s more than that.Three phone calls meant everything to Dana:- When his daughter was in a car accident- When his house flooded- When his last kid moved outEvery time, Jacob answered.Dana and Jacob review a water damage claim Dana went through as water damaged paintings from a recently deceased father-in-law, his daughter’s car accident that happened out of state, and other stressful insurance claims over the years. Each time, he knew he could call Jacob and get the help he needed.Listen in as Dana shares what it means to him to have an agent who answers the phone, answers questions, shops his rates as life changes happen, and listens when he calls.Trust is built brick by brick, and being present when needed. This is what a client agent relationship looks like. Each policy in my agency isn’t just a number. It’s you trusting me with your home, and with your family.Let me earn your trust! Quotes and conversations always [email protected], it’s not about impressing you… it’s about serving you.Actionable Financial Information For UtahnsEpisode #13: FinancialGinger

There’s a Auto Glass Olympics? Yeah, and Andrew has competed in it. Andrew shares his personal story — how he accidentally fell into auto glass at 17, trained for the Auto Glass Olympics, worked with major national glass companies, and eventually launched his own shop focused on quality, honesty, and customer experience.Insurance agents love him, and he’s changing the industry with his no-nonsense client focused windshield repair/replacement company Royalty Auto Glass.Andrew Reeve, owner of Royalty Auto Glass, breaks down everything you thought you knew about windshields, and the insanity the auto glass industry doesn’t tell you. If you’ve ever had a rock chip, a cracked windshield, or felt confused about insurance glass claims… this episode gives you the insider perspective every driver should hear.- Why OEM Windshields can take MONTHS to get (and aren’t better)- How Royalty Auto Glass dropped their return rate from the industry standard of 30% down to nearly 0- Some funny “science” about how newer cars seem to break windshields more- How dealerships and body shops handle windshield repairs- The difference between OEM, OE, and Aftermarket windshields- Why Winter is a GREAT time to replace your windshield- What consumers should know about choosing a glass company- How it’s illegal for insurance companies to force you to use a specific glass shopRoyalty Auto Glass is located in Orem, Utah at 1382 W Center Street. You can find them on Google or reach out through your insurance agent (and if they don’t send you to Andrew… find a better agent 😉).Whether you drive a Tesla, Lexus, Prius, truck, SUV, or anything in between — this episode explains how to protect your glass, what matters when replacing a windshield, and how to avoid costly insurance mistakes when replacing your glass.Andrew Reeve - Royalty Auto [email protected](801) 607-5427https://royaltyag.com/Connect with FinancialGinger [email protected], it’s not about impressing you… it’s about serving you.Actionable Financial Information For UtahnsEpisode #12: FinancialGinger

Health Insurance has changed BIG for 2026, What do you do if your rates jumped 300%? Health and Life Insurance agent Kristen Gines answers things like Why did rates jump so much for 2026, and what are options for those facing rate increases?Kristen highlights government actions that cause most families to see 200-300% rate increases for next year on their health insurance. What happened with government subsidies and  why your income tier matters more than it has in years. Whether you’re on an ACA/Obamacare plan, private insurance, have catastrophic, indemnity, or even a Healthshare ministry non-insurance, Kristen helps you understand your choices, and what you may give up changing plans.You’ll learn from Kristen:What changed ACA SubsidiesThe difference between bronze,silver, gold, and platinum government plansExamples of when private or indemnity plans could make senseHow maternity, prescriptions, mental health, and other needs could be left out on certain kinds of plans, and who best benefits from thatHealthshare goods and risksWhy talking to a licensed broker matters more than EVER right now in 2025If you’re confused about rising premiums, overwhelmed by rules, or unsure if you should switch, have a conversation with Kristen to make a roadmap to avoid costly mistakes.👉 Like, subscribe, and share this episode to help someone avoid a financial disaster.Kristen Gines - Medicare, Health and Life Broker and Advocate [email protected]/kristengines801-691-9767Connect with FinancialGinger [email protected], it’s not about impressing you… it’s about serving you.Actionable Financial Information For UtahnsEpisode #11: FinancialGinger

Served with a side of ADHD, Jacob Johnson and Caden Smith - The One Wheeled Realtor - talk about the journey of first time home buying in Utah.Caden shares how he went from struggling with depression and cycling through 18 jobs… to finding purpose, service, and passion as a real estate agent at Keller Williams. We discuss:Why New Build is usually the best price for first time home buyers in Utah in 2026Why New Construction is a great financial play in Utah for 2026Utah’s Grant Programs for new-builds and first time home buyers (up to $20,000!Ways to buy $0 down real estate for first time home buyersThe emotional side of buying your first homeWhat Realtors want to teach you about lenders, inspections, and insuranceWhat a pre-approval isMental Health, Job Stability, and how Caden got into helping home buyers as a Real Estate AgentHalf how-to, Half relatable life stories, with a spattering of ADHD, listen and learn from Caden and Jacob’s real lifes.📍 Caden’s First-Time Homebuyer Seminar: https://beacons.ai/theonewheeledrealtor📍 Follow Caden on Instagram: @theonewheeledrealtor📍 Work with Jacob for Utah Insurance: [email protected] Smith | Owner & CEO, One-Wheeled Realty Group LLC | KW Westfield📞 W: (385) 438-7488📞 C: (208) 565-7965📧  [email protected]🌐  cadensmith.kw.comConnect with FinancialGinger [email protected], it’s not about impressing you… it’s about serving you.Episode #10: FinancialGinger

Health Care subsidies took a big change with Congress recently, Why did your health insurance rates jump for 2026? What’s going on anyways?Josh Erickson and Jacob Johnson talk about health Insurance, ACA/Obamacare, Private Health Plans, and how some people are considering going uninsured this year!Before you do that, listen to this episode of FinancialGinger and consider some alternatives. We discuss some private plans that take a little more work, but could save you money. We talk about HealthShares, or Christian Ministry and how they can cover you, but aren’t legal insurance, and share valuable information that can help you position your health insurance best for 2026.Joshua EricksonAward-winning insurance advisor Specializes in proven strategies to save families tens of thousands, early retiring bridge plans through age 65, and systems that keep employee health benefit renewals flat and level801.592.5562Connect with FinancialGinger [email protected], it’s not about impressing you… it’s about serving you.Episode #9: FinancialGinger

If you have ever had a tenant call you at 2 AM with an emergency, this podcast episode is for you. Whether you’re looking to buy your first rental, just moved into a house hack, or have a portfolio of 20 properties, Emil will give you extra clarity, confidence, and thoughts of someone who handles hundreds of rental units every single day.In this conversation, Emil Schoenfeld — founder of Peaceful Property Management — breaks down how he runs rentals in smarter ways, how to screen tenants, why most people struggle with managing properties themselves, how to treat your property like a real business, and why having a professional team can save you hours of headache.You’ll learn:Mistakes new landlords make doing it aloneSurprising things property managers do for youWays professionals find tenantsAnswers about allowing pets in rentalsWhy clear lease agreements solve 90% of your problems before they happenHow sometimes you DON'T need a property manager (Emil said it, not me!)Emil’s book recommendations for how to properly value your own timeEmil SchoenfeldPeaceful Property Management📞 O: (801)717-6430📞 C: (385)438-3011📧 [email protected]🌐 peacefulpm.comConnect with FinancialGinger [email protected], it’s not about impressing you… it’s about serving you.

What if the reason your finances feel “stuck”… is because your systems are broken?In this episode, Jacob sits down with financial planner Sam Jones to expose the blind spots that cost people thousands every single year.Sam isn’t your average advisor. From serving a Christian mission to specializing in real estate investors, he’s built a career around teaching simple, true financial principles that actually move the needle. He’s helped Jacob personally save thousands in taxes, and today he breaks down exactly how you can start doing the same.Together, Jacob and Sam dive into:• The most common reasons home insurance claims get denied and how to avoid them• Why your goals don’t matter if your systems are weak (and how to fix that today!)• How Sam uses charitable giving strategies to unlock major tax savings• What working with an engaged financial planner or insurance agent really looks like• LLCs for landlords and why they might affect your insurance more than you think• How to know if your financial team (planner, insurance agent, CPA) is actually helping you winIf you’re serious about building wealth, protecting your assets, and finally getting your financial systems dialed in, this episode will give you the clarity and confidence to take action right now.Sam JonesFinancial planner helping real estate investors and small-business owners build wealth through smart tax and cash-flow [email protected]://vitalitycap.com/Mentioned in the showUVU Money Success Center (Formerly Money Management Resource Center)https://www.uvu.edu/woodbury/money-success-center/Charity Water https://www.charitywater.org/Connect with FinancialGinger [email protected], it’s not about impressing you… it’s about serving you.Episode #7: FinancialGinger

Savanah Romney: 20 year old realtor, host of Uncharted podcast, and someone who’s mindset is well beyond her age joins Jacob for a discussion today.One of the first things I ever heard Savanah say was “Remind your nervous system when you’re freaking out that it’s not hard, it’s just new.” That perspective, paired with her belief that “your happiness is your responsibility,” reflects the gratitude, faith, and maturity that shape how she lives and that sets the tone for this conversation.Savanah and Jacob talk about Positivity, the power of a single focused goal, the prosperity that comes from early mornings and ambitious action every day, every day, every day. In this uplifting, honest conversation about fear, faith, accepting responsibility and building a life you can be PROUD of, I pray you can feel emboldened to take successful action in your finances, business, and life.Savanah RomneyReal Estate Agent Instagram: @savanahromneyPodcast Host of Uncharted Podcast: @uncharted.thepodcastConnect with FinancialGinger [email protected], it’s not about impressing you… it’s about serving you.Episode #6: FinancialGinger

What happens when you file a claim after water damage or a fire? Austin Bradley started a restoration company at just 21 years old! Join Austin and Jacob as they give valuable insights into how restoration companies can help you after an insurance claim.Questions like, What do I do after something happens to my home? How fast do I have to respond? Who do I call? How does insurance pay restoration companies? Why have home rates gone up in the last 2 years?Austin and Jacob talk about REAL claims, REAL service, and actions you can take when disaster strikes.Austin BradleyStructured Restoration Central Utah 📞 O: 801-919-8337📞 C: 801-336-6180📧 [email protected]🌐 www.srutah.comConnect with FinancialGinger [email protected], it’s not about impressing you… it’s about serving you.Episode #5: FinancialGinger

Dustin’s home flooded. Three times.These disasters didn’t just cost him thousands of dollars, they changed his career and inspired him to start DO cHamp Home Inspections to be a gold standard of inspections.Dustin shares the truth about Utah’s laws regarding training and licensing of home inspectors (you’ll be shocked to find out there’s basically none), and BIG red flags he helps buyers find BEFORE they close.Plus, Dustin is giving FREE meth tests to Teachers, Veterans, and First Responders (normally $200 or more!) with any inspection done by DO cHamp inspections.DO cHamp Home Inspections📞 [email protected]🌐 dochamphomeinspections.comConnect with me [email protected], it’s not about impressing you—it’s about serving you.Episode #4: FinancialGinger

What if building real wealth wasn’t about being flashy—but about stacking simple wins over time?Jacob sits down with real-estate investor Parker Eads to unpack the stories and strategies behind his journey—from his first house hack to the tax-saving moves that helped him multiply properties. Parker shares the personal moments that shaped his journey, from his first house hack to realizing how powerful real estate can be.Jacob and Parker break down the real challenges of being a landlord, from managing tenants to unexpected maintenance, and how smart planning makes the process manageable. Parker also explains tax-saving tools like cost segregation and other real-estate-specific strategies people can use to reduce their taxes. It’s a practical, honest conversation filled with real stories, real mistakes, and real takeaways. Parker Eads - Helping people build wealth through real estate and tax [email protected] on Instagram and Facebook [email protected] with me [email protected], it’s not about impressing you—it’s about serving you.Episode #3: FinancialGingerComment below with how you’re investing in real estate!

In this episode of FinancialGinger, we dive into the world of barbering with Dave the Barber. Discover the intricacies of running a barbershop, the importance of insurance for independent contractors, and the unique charm of classic barbering techniques. Dave shares his journey of navigating the challenges of entrepreneurship. Tune in for insights on the value of relationships, the nuances of insurance, and why a great haircut can boost your confidence.  Dave The Barber Instagram @davethebarber777 https://www.davesbarbershopofdraper.com/https://utahbarbershops.com/https://www.southjordanbarbers.com/Episode #2: FinancialGingerGet an Auto/Home Insurance Quote! [email protected], it’s not about impressing you—it’s about serving you.

On a MISSION to turn Renters into Landlords, Realtor Devere Wilkey joins Jacob Johnson to share how she went from renting to owning three investment properties—and how she helps others do the same. Hear her story, the mindset shifts that made it possible, and why good landlords make stronger communities. Because at FinancialGinger, it’s not about impressing you—it’s about serving you.Devere Wilkey, REALTOR®Better Homes and Gardens Real Estate Momentum 385-447-3480Instagram @WilkeyHomes https://www.hackutahhousing.com/Episode #1: FinancialGinger