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Queer Money®: How Gay People Do Money

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Queer Money

Queer Money is a bi-weekly show dedicated to creating desperately needed generational wealth within the gay community because we deserve to sleep better at night and we must stand up to the anti-LGBTQ+ industrial complex. Listen and watch regularly to eliminate financial insecurity and generate personal wealth, prepare for a secure and fun retirement, find the most affordable, LGBTQ+-friendly cities in the US to live in or travel to, grow your stock portfolio to $1,000,000+, build a real estate empire and start a small business. Your hosts are husbands and money experts David & John Auten-Schneider who have been the leaders in LGBTQ+ finance since 2015. With nine seasons, nearly 500 episodes, over a million downloads and features by Oprah, Advocate, Variety, CNBC and more, the award-winning Queer Money is the longest running show made by and for the LGBTQ+ community and is the only show solely dedicated to our financial well-being as gay people. · For more financial information and helpful resources, visit queermoneypodcast.com · For complementary charts and grafts (and pretty pictures), subscribe to Queer Money on YouTube @ https://www.youtube.com/@queermoney?sub_confirmation=1

#561

10 States That Could Ruin Your Retirement| Queer Money Ep. 561

Taxes! Love them or hate them, either way, they'll have a big impact on your retirement. Which state you live in during retirement could seriously affect your Social Security income. These are the 10 states that could ruin your retirement. Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

19 hrs Ago

13 MINS

13:10

19 hrs Ago

#560

Why Pay Yourself First Is Horrible Advice | Queer Money Ep. 560

You've heard the adage, "Pay yourself first." So, why is that bad advice? In Queer Money episode 560, hosts John and David debunk the traditional 'pay yourself first' advice and provide a comprehensive approach to managing finances tailored for the LGBTQ+ community. They explain the importance of prioritizing savings and retirement accounts before spending on discretionary items. The episode introduces a new strategy of allocating funds to your future self, past self, and present self in that order. This approach aims to enhance financial well-being and ensure long-term financial security while still enjoying present-day pleasures. Topics Covered: ---00:00 Introduction: Busting the Myth of 'Pay Yourself First' ---00:12 What Does 'Pay Yourself First' Really Mean? ---01:33 The Reality of Paying Yourself First ---03:07 A New Approach: Paying Yourself in Three Ways ---04:39 Why This New Approach Works ---06:43 Conclusion and Upcoming Episodes Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

19 Nov 2024

07 MINS

07:24

19 Nov 2024

#559

How Social Security Could Make Retirement Suck (or Rock)| Queer Money Ep. 559

Will your retirement rock or suck? Depending on if you qualify for social security you may already know the answer to most of that question. On this week's Queer Money Fabulous Gay Retirement bonus episode, we break down how social security will affect your retirement and show how to check to see if you're set to receive it as well as how much you may be getting. Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

14 Nov 2024

12 MINS

12:59

14 Nov 2024

#558

2025 401(k) Updates You Should Know | Queer Money Ep. 558

Changes to 401(k)s are coming in 2025! In this episode of the Queer Money Podcast, hosts David and John talk with LGBTQ+ financial advisor Jake Skelhorn about significant 401k changes coming in 2025. They highlight five key changes, including updated catch-up contribution limits for those aged 50 and above, mandated Roth catch-up contributions for high income earners in 2026, and automatic 401k enrollments. Jake also explains the Secure Act 2.0’s rules on inherited IRAs and the implications for the LGBTQ+ community. They delve into strategies for investing in retirement accounts and the potential benefits for younger and late-start savers in making the most out of these new rules. Topics Covered: ---00:00 Introduction to 401k Changes in 2025 ---00:15 Meet Jake Skelhorn: LGBTQ+ Financial Advisor ---03:39 Catch-Up Contributions Explained ---05:26 Investment Strategies for Near-Retirees ---07:55 Changes for High-Income Earners ---17:57 Automatic Enrollment in 401ks ---22:07 Inherited IRA Changes ---26:57 Conclusion and Final Thoughts Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

12 Nov 2024

30 MINS

30:12

12 Nov 2024

#557

This 1 Thing Will Guarantee You Get Social Security | Queer Money Ep. 557

Will you get Social Security benefits when you retire? For many of us, Social Security benefits will make up a sizeable portion of our income in retirement. Are you sure you'll get it? On this Queer Money, we break down the steps you need to take to not only find out if you qualify but to see what the Social Security Administration estimates you will get. This episode is visually intensive. If you would prefer to watch the steps we are outlining, [you can do so here] (https://youtu.be/lEQnCdu0m0c) . Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

07 Nov 2024

15 MINS

15:27

07 Nov 2024

#556

How Gay GenXers Can Fund Generational Wealth | Queer Money Ep. 556

Would you like to have benefited from recieveing generational wealth from within the LGBTQ+ community? In this episode of the Queer Money podcast, hosts and married Financial Power Couple David and John dive into a crucial conversation about generational wealth within the LGBTQ+ community, noting that for many LGBTQ+ people, traditional family paths to wealth, mentorship, and inheritance simply aren’t there, and that it’s time to break the cycle. David and John outline five impactful ways in which you can foster wealth for future queer generations, even if you’re not a millionaire yourself. They go over everything from establishing scholarships and grants for LGBTQ+ students, creating family or community trusts, offering low-interest loans or microfinancing for LGBTQ+ entrepreneurs, and investing in LGBTQ+ startups or small businesses. Topics covered: ---00:00 Introduction: The Challenge of Generational Wealth in the LGBTQ+ Community ---01:12 The Impact of HIV/AIDS on Wealth Transfer ---03:11 The Importance of Creating a Wealth Transfer System ---05:59 1. Building Wealth Through Scholarships and Grants ---09:15 2. Establishing Family or Community Trusts ---12:45 3. Offering Low-interest Loans and Microfinancing ---14:25 4. Investing in LGBTQ+ Startups and Small Businesses ---17:39 5. Supporting LGBTQ+ Real Estate Co-ops ---20:19 Understanding Different Financial Support Options ---21:59 Recap and Final Thoughts ---22:46 Outro and Upcoming Episodes Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

05 Nov 2024

23 MINS

23:40

05 Nov 2024

#555

10 Best States for Gay Folks | Queer Money Ep. 555

Where can I live that is accepting of me as an LGBTQ+ person? The political climate in the United States is difficult right now for many folks, but especially for LGBTQ+ folks who feel like we're being attacked right and left by media, politicians and in some cases even family. So where can we live that is better for us, whether that's a place to go to college, a city that has protections or states that historically have been on our side? This week on Queer Money, we break down the top 10 states based on several factors. Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

31 Oct 2024

09 MINS

09:15

31 Oct 2024

#554

Powerful Queer Money Stories | Queer Money Ep. 554

We all love stories, but how about stories of career and money mistakes, comebacks and successes? In this Queer Money Podcast episode, hosts David and John discuss their favorite financial stories from their new show 'Living Not So Fabulously' by Yahoo Finance, offering insights into the financial challenges and successes of various individuals. Highlights include Ruth Jacks' journey from poverty to EVP at Wells Fargo, lessons from Jane Sasseen’s Black Monday investing missteps, Patrick L Riley’s recovery after a devastating fire, a financially strategic coming out story from Eric Berger and Dan Amboyer, as well as a career transition that helped Todd Sears beat financial stagnancy. This episode emphasizes resilience, the importance of financial planning, and aims to inspire listeners by showcasing that everyone has a unique money story. Tune in weekly on Yahoo platforms for more on financial wellness, LGBTQ+ retirement, and generational wealth. Topics covered: ---01:15 Listener Survey and New Show Concept ---01:34 Challenges in Sharing Personal Money Stories ---02:05 Yahoo Finance Collaboration and Celebrity Stories ---02:46 Promoting Financial Literacy Through Celebrity Stories ---05:09 Introducing Ruth Jacks: From Poverty to Corporate Leader ---08:42 Jane Sasseen’s Investment Lessons from Black Monday ---12:40 Patrick L. Riley’s Gut-Wrenching Story ---16:14 Eric Berger and Dan Amboyer's Financial Journey ---19:33 Michael Seldtich’s Career Pivot ---22:06 Todd Sears' Resilience and Success ---24:45 Conclusion and Upcoming Episodes Tune in to Living Not So Fabulously by Yahoo Finance [Youtube] (https://www.youtube.com/playlist?list=PLx28zU8ctIRrsH-jPqkSTMjLoPwRnSMRx) | [Apple] (https://podcasts.apple.com/us/podcast/living-not-so-fabulously/id1766312194) [Podcasts] (https://podcasts.apple.com/us/podcast/living-not-so-fabulously/id1766312194) | [Spotify] (https://open.spotify.com/show/0cDxpQ1eWwWxjECKhFpd1f) Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

29 Oct 2024

27 MINS

27:27

29 Oct 2024

#553

7 Fabulous Gay Retirement Living Arrangements | Queer Money Ep 553

What will your living arrangement look like in retirement? What are the options? On this Queer Money, we dive into the 7 most fabulous gay retirement living arrangements you need to know about. From retiring in place to communal living to LGBTQ+ focused retirement communities, we share the 7 most common ways of finding your special place to call home while in retirement. Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

24 Oct 2024

10 MINS

10:56

24 Oct 2024

#552

Why Business Is Harder for LGBTQ Entrepreneurs | Queer Money Ep. 552

Is being an entrepreneur more difficult for LGBTQ+ folks? Even though the Right won’t admit it, business is more challenging for LGBTQ entrepreneurs, and this shocking story on Twitter/X will anger you. In this episode of Queer Money, hosts David and John discuss the myriad challenges faced by LGBTQ+ businesses on social media with guest Matt Skallerud, founder, and CEO of Pink Media. The dialogue encompasses the abrupt suspension of key LGBTQ+ accounts on X (formerly Twitter) and broader financial struggles linked to restrictive social media policies. The episode highlights the systemic biases in social media algorithms, changes under Elon Musk's Twitter leadership, and the necessity for adaptive marketing strategies. The hosts also share personal anecdotes of unjust ad rejections and endpoint the evolving landscape of digital advertising for LGBTQ+ entities. With an optimistic look towards future elections, they emphasize the continued fight for visibility and fair treatment online. Resources and insights for better engagement on platforms like LinkedIn and Twitter are shared, along with the importance of sustaining an email list. Matt Scalar provides closing advice on connecting with Pink Media. Topics covered: ---00:00 Introduction: The Challenges for Queer Businesses ---00:11 Guest Introduction: Matt Scalar and Pink Media ---01:30 The Power of Social Media for LGBTQ Businesses ---04:09 The Impact of Twitter's Changes Under Elon Musk ---07:36 The Sudden Suspension: A Coordinated Attack ---12:31 Financial Impact and Business Adaptation ---15:37 Similar Struggles: Our Battle with Facebook ---19:56 Challenges for LGBTQ+ Businesses in Social Media ---20:17 Navigating Social Media Monopolies ---21:30 The Politicization of LGBTQ+ Ads ---22:45 Corporate Equality and Its Flaws ---23:32 The Political Nature of LGBTQ+ Existence ---24:11 The Role of Businesses in Politics ---25:31 Advocating for LGBTQ+ Businesses on Social Media ---27:10 Strategies for Overcoming Social Media Challenges ---31:04 The Importance of Engagement on LinkedIn ---35:19 The Future of Social Media for LGBTQ+ Businesses ---39:17 Final Thoughts and Optimism for the Future Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

22 Oct 2024

39 MINS

39:50

22 Oct 2024

#551

How to Fund Your Fabulous Gay Retirement | Queer Money Ep. 551

How will you fund your fabulous retirement? Pensions are rare, Social Security isn’t enough, and retirement accounts are small. Let’s talk about how to fund your fabulous gay retirement. In this Queer Money, we share a new tool that we are working on, which we will eventually share with folks in our Fabulous Gay Retirement Club. More to come on that soon. We use this tool as a way to determine who/what income streams we will use to fund our retirement. We think everyone will need more than one, especially if the primary is Social Security. Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

17 Oct 2024

09 MINS

09:21

17 Oct 2024

#550

How Turning Your Business into a Co-Op Helps LGBTQ Workers | Queer Money Ep. 550

Can a Co-op business model help your business grow? Episode 550 of the Queer Money podcast features guest Annie Winkler discussing the benefits of employee ownership in businesses. Annie explains how becoming part-owner of a company can lead to increased productivity, job satisfaction, and the establishment of LGBTQ generational wealth. They recount their experience transitioning Real Pickles into a worker-owned cooperative and delve into the impacts of democratic member control in co-ops versus ESOPs. The episode highlights the advantages for both business owners considering succession planning and employees seeking greater investment in their workplace. Topics Covered ---00:00 Introduction to Bare Minimum Mondays and Lazy Fridays ---00:10 The Concept of Employee Ownership ---00:28 Introducing Annie Winkler and Queerness in Business ---00:53 Welcome to the Queer Money Podcast ---01:52 Discussion on Pronouns and Non-Binary Identity ---02:30 Exploring Employee Stock Purchase Plans ---02:53 Challenges Faced by Employees Today ---04:41 The Impact of Baby Boomers on the Economy ---05:23 Statistics on Baby Boomers and Retirement ---06:47 The Role of Wealth and Power in Employment ---07:43 Annie Winkler's Journey to Employee Ownership ---08:40 The Real Pickles Cooperative Experience ---12:08 The Benefits of Worker-Owned Cooperatives ---17:07 Comparing ESOPs and Worker Co-ops ---20:25 Challenges and Benefits of Employee Ownership ---26:09 Legacy Planning for Business Owners ---29:57 Introduction to ESOPs ---30:29 Trust and Control in ESOPs ---31:41 Ownership and Leadership Transitions ---32:57 Optimal Company Size for ESOPs and Co-ops ---34:27 Financial Considerations and Valuation ---35:41 Starting the Transition to Employee Ownership ---41:53 Generational Wealth and Queer Community ---48:03 VEOC and Employee Ownership Support ---50:36 Dragon Boat Team and Personal Joys ---52:35 Conclusion and Resources Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

15 Oct 2024

54 MINS

54:32

15 Oct 2024

#549

How Much You Need to Retire Fabulously? | Queer Money Ep. 549

What will a fabulous retirement cost me? Many of us fear retirement because we don’t know what it’ll cost us. Let’s discuss how much you need to retire fabulously these days. In this episode, John and David break down what it will take for them to fund a basic, happy and fabulous retirement. For the resources and to connect with our guests, get the show notes at: [ https://queermoneypodcast.com/subscribe] (https://queermoneypodcast.com/subscribe/?source=podcastplayers) Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Download your FREE [ Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence] (https://queermoneypodcast.com/kickstarter/?source=podplayer) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

10 Oct 2024

14 MINS

14:23

10 Oct 2024

#548

What You Need to Know about ABLE Accounts | Queer Money Ep. 548

What are ABLE accounts and how can they help disabled folks save money? On episode 548 of the Queer Money Podcast, hosts John and David welcome back Brynn Conroy, founder of Femme Frugality and Disability Finance. They discuss the challenges Americans face in qualifying for social security disability benefits and how the system often forces poverty. Conroy delves into the details of ABLE accounts, designed to help those with disabilities achieve a better quality of life by offering tax advantages and allowing savings without jeopardizing benefits like SSI and SSDI. The conversation also touches on the impact of ableism in the workplace, systemic issues, and how the pandemic has strained systems for people with disabilities. Conroy provides insights from her lived experience and emphasizes the importance of financial education and legislative advocacy for improving disability finance. Topics Discussed ---00:00 Introduction to Social Security Disability Benefits ---00:46 Welcome to Queer Money Podcast ---01:45 Introducing Brynn Conroy and Disability Finance ---04:47 Challenges Faced by Disabled Individuals ---06:56 Understanding Disability Definitions and Models ---19:15 Income and Asset Restrictions for Disabled Individuals ---23:30 Political and Social Issues Surrounding Disability ---26:37 The Impact of ADAPT on Disability Laws ---27:13 Understanding ABLE Accounts ---29:04 ABLE Accounts and Inheritance ---29:58 Medicaid Payback and Trusts ---31:20 Housing Benefits of ABLE Accounts ---31:58 Challenges and Resources for Disability Finance ---35:51 Expanding Eligibility for ABLE Accounts ---37:49 Disability in the Queer Community ---42:23 Real-Life Benefits of ABLE Accounts ---45:26 How to Open an ABLE Account ---47:42 Global Perspectives on Disability ---49:33 Final Thoughts and Resources For the resources and to connect with our guests, get the show notes at: [ https://queermoneypodcast.com/subscribe] (https://queermoneypodcast.com/subscribe/?source=podcastplayers) Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) --- [Connect with John on LinkedIn] (https://www.linkedin.com/in/john-auten-schneider-0851061b/) --- [Connect with David on LinkedIn] (https://www.linkedin.com/in/david-auten-schneider-b7a6039/) Download your FREE [ Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence] (https://queermoneypodcast.com/kickstarter/?source=podplayer) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

08 Oct 2024

52 MINS

52:39

08 Oct 2024

#547

Here’s What Your Fabulous Gay Retirement Looks Like | Queer Money Ep. 547

What do you want your fabulous retirement to look like? The reality is that each of us has a different picture in mind when we think about what a fabulous retirement looks like. For that reason cookie-cutter retirement plans that may or may not work for our straight friends probably will not work for us. So how do you know what will work for you? Today we introduce step 1 in the retirement planning process that we recommend to all our clients. Since this episode does have some visual aids, we suggest you also check out the video recording of this episode on YouTube here. Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) Download your FREE [ Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence] (https://queermoneypodcast.com/kickstarter/?source=podplayer) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

03 Oct 2024

11 MINS

11:30

03 Oct 2024

#546

12 Sources of Income in Retirement | Queer Money Ep. 546

How will you fund your fabulous retirement? In this episode of Queer Money, David and John address the tough reality that many LGBTQ+ individuals feel uncertain about their retirement preparedness. They discuss the concerning statistics of 64% of LGBTQ+ individuals not being on track or unsure about their retirement plans. So they’ve outlined 12 potential income sources to help secure a comfortable retirement. The episode covers social security, employer-sponsored retirement plans like 401k, annuities, real estate investments, small businesses, and other financial strategies. Emphasis is placed on the importance of diversified income streams and financial planning to achieve a 'fabulous' retirement. Additionally, the hosts offer practical advice and insights on how to tap into these income sources while considering factors like inflation, market performance, and individual control over investments. Topics Covered ---00:00 Introduction: LGBTQ Retirement Concerns ---00:56 Queer Money Podcast Overview ---01:25 Community Poll Insights ---01:54 Importance of Multiple Income Sources ---02:27 Source 1: Social Security ---04:25 Source 2: Employer-Sponsored Retirement Plans ---06:44 Source 3: Pensions ---09:33 Source 4: Annuities ---12:37 Source 5: Real Estate Income ---14:37 Source 6: Life Insurance ---16:50 Source 7: Taxable Investments ---18:49 Source 8: Part-Time Work in Retirement ---20:08 Source 9: Paid-Off House ---22:52 Source 10: Small Business Income ---24:39 Source 11: Inheritance ---26:36 Source 12: Health Savings Account (HSA) Withdrawals ---27:30 Conclusion: Planning for a Fabulous Retirement For the resources and to connect with our guests, get the show notes at: [ https://queermoneypodcast.com/subscribe] (https://queermoneypodcast.com/subscribe/?source=podcastplayers) Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) Download your FREE [ Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence] (https://queermoneypodcast.com/kickstarter/?source=podplayer) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

01 Oct 2024

28 MINS

28:21

01 Oct 2024

#545

3 Reasons Gays Can't Save for Retirement - Part 2 | Queer Money Ep. 545

Why can't gays save for retirement? Last week we dug into 3 systemic reasons that many gays are not able to save for retirement. This week we share 3 more reasons, but these are a bit closer to home and are affected by our own decisions. Let us know if you feel any of these are things you too have struggled with like we did early on in our retirement saving journey. Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) Download your FREE [ Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence] (https://queermoneypodcast.com/kickstarter/?source=podplayer) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

26 Sep 2024

08 MINS

08:53

26 Sep 2024

#544

How to Successfully Be Out at Work | Queer Money Ep. 544

Can you be out at work and be successful? In this episode of Queer Money, David and John are joined by LinkedIn's career expert Andrew McCaskill. The discussion centers around a recent Forbes report stating that 60% of U.S. workers hide their true selves at work, and a LinkedIn survey revealing only 35% of queer professionals feel safe being out at work. McCaskill provides insights into the complexities faced by LGBTQ+ employees, the importance of authenticity, and how companies can foster inclusive environments. He also shares strategies for queer professionals to navigate their careers, leverage professional networks, and identify inclusive workplaces. Listeners are encouraged to embrace their true selves and seek out supportive professional communities. Topics Covered in How to Successfully Be Out at Work ---00:00 Introduction: The Hidden Self at Work ---00:23 Meet Andrew McCaskill: LinkedIn's Career Expert ---01:45 The Reality of Being Out at Work ---05:18 Challenges and Misconceptions ---06:52 The Importance of Authenticity ---10:09 Corporate Support and Representation ---22:24 Personal Stories and Experiences ---27:18 The Impact of Being Out at Work ---28:48 Understanding Cascading Homophobia ---30:12 Building a Professional Community ---30:50 Leveraging LinkedIn for Career Advancement ---32:52 The Importance of Transparency and Vulnerability ---38:13 Identifying Safe Work Environments ---43:33 Accessing the Out at Work Guide ---45:23 Final Thoughts and Resources For the resources and to connect with our guests, get the show notes at: [ https://queermoneypodcast.com/subscribe] (https://queermoneypodcast.com/subscribe/?source=podcastplayers) Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) Download your FREE [ Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence] (https://queermoneypodcast.com/kickstarter/?source=podplayer) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

24 Sep 2024

51 MINS

51:08

24 Sep 2024

#543

Why Gay’s Can't Save for Retirement Part 1 | Queer Money Ep. 543

Why can't gays seem to save for retirement? You’re not imagining it. Forces are working against your best interest. This is Queer Money episode 543 and today we're kicking off part 1 of a 2 parter addressing some reasons why gays can’t save for retirement. Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) Download your FREE [ Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence] (https://queermoneypodcast.com/kickstarter/?source=podplayer) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

19 Sep 2024

09 MINS

09:52

19 Sep 2024

#542

What Is the Financial Impact of Having HIV | Queer Money Ep. 542

How does having HIV or AIDS impact your finances? In this episode of the Queer Money Podcast, hosts David and John explore the financial impact of living with HIV with Dr. Lorraine Dean, an associate professor of epidemiology at Johns Hopkins University. Dr. Dean shares findings from her studies, highlighting the economic challenges faced by those diagnosed with HIV, such as additional healthcare costs, loss of employment, and lack of financial planning among those who expected shorter lifespans. The discussion also covers the benefits of PrEP in preventing HIV and reducing future financial burdens. The episode emphasizes the need for universal healthcare and policy changes to support those living with chronic conditions, as well as the importance of addressing broader economic and social issues affecting the LGBTQ+ community. For the resources and to connect with our guests, get the show notes at: [ https://queermoneypodcast.com/subscribe] (https://queermoneypodcast.com/subscribe/?source=podcastplayers) Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) Download your FREE [ Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence] (https://queermoneypodcast.com/kickstarter/?source=podplayer) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

17 Sep 2024

49 MINS

49:18

17 Sep 2024

#541

How This Gay Couple Is Winning at Retirement | Queer Money Ep. 541

How we started to win at retirement. Less than 20 years ago, we had a negative net worth because of our $51k in credit card debt. Today, we have over $1MM in retirement savings. How did we make that transformation? This is Queer Money episode #541, and today we’re sharing how we went from buried in debt and living in a basement apartment to serial entrepreneurs w/a $1.3MM net worth for our “How Gays Retire Fabulously” bonus series. Now, on with the show. Follow us: --- [Queer Money Instagram] (https://www.instagram.com/queermoneypodcast/) --- [Queer Money YouTube] (https://www.youtube.com/channel/UCCs5KTfEmEQlAPr8v9sPzbQ?sub_confirmation=1) --- [Queer Money on Tiktok] (https://www.tiktok.com/@queermoneypod) Download your FREE [ Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence] (https://queermoneypodcast.com/kickstarter/?source=podplayer) Mentioned in this episode: Subscribe to the Queer Money Weekly Newsletter Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more. [Subscribe to the Queer Money weekly newsletter] (https://queer-money.captivate.fm/newsletter) ... Read more

12 Sep 2024

11 MINS

11:07

12 Sep 2024

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#561

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#560

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#559

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#558

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#557

This 1 Thing Will Guarantee You Get Social Security | Queer Money Ep. 557

#556

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#553

7 Fabulous Gay Retirement Living Arrangements | Queer Money Ep 553

#552

Why Business Is Harder for LGBTQ Entrepreneurs | Queer Money Ep. 552

#551

How to Fund Your Fabulous Gay Retirement | Queer Money Ep. 551

#550

How Turning Your Business into a Co-Op Helps LGBTQ Workers | Queer Money Ep. 550

#549

How Much You Need to Retire Fabulously? | Queer Money Ep. 549

#548

What You Need to Know about ABLE Accounts | Queer Money Ep. 548

#547

Here’s What Your Fabulous Gay Retirement Looks Like | Queer Money Ep. 547

#546

12 Sources of Income in Retirement | Queer Money Ep. 546

#545

3 Reasons Gays Can't Save for Retirement - Part 2 | Queer Money Ep. 545

#544

How to Successfully Be Out at Work | Queer Money Ep. 544

#543

Why Gay’s Can't Save for Retirement Part 1 | Queer Money Ep. 543

#542

What Is the Financial Impact of Having HIV | Queer Money Ep. 542

#541

How This Gay Couple Is Winning at Retirement | Queer Money Ep. 541