Balancing debt repayment and investing can be a tricky decision for many.
How do you decide whether to pay off debt or invest your extra cash? What factors should influence your decision?
In this episode, Aaron Buchner from Cactus dives into the common financial dilemma of whether to pay off debt or invest when you come into some extra money.
Hear insights into how to approach this financial decision, consider the pros and cons, and understand the importance of personal goals and lifestyle choices in making your decision.
Aaron discusses:
Should you pay off debt or invest windfall money?
The impact of high-interest credit card debt and why it’s crucial to pay it off first
Understanding mortgage rates and how they differ between the US and Canada
The importance of balancing debt payments, investments, and lifestyle goals
Ever wondered how to truly simplify your approach to personal finance and embrace financial freedom?
In this episode of the No Pricks Allowed podcast, host Aaron Buchner welcomes long-time friend and coach Kimberly Skermer to explore the evolution of personal finance from traditional methods to a more personalized, client-focused approach.
Together, they dive deep into how the financial industry is transforming to better serve everyday people, touching on different financial planning models, the importance of ongoing client relationships, and the concept of “Rewire Happy” to keep your life exciting while managing finances.
Aaron and Kimberly discuss:
The evolution of Aaron’s approach to financial advising and his mission to revolutionize the industry
Differences and benefits of flat-fee versus commission-based financial planning
The importance of building long-term, supportive relationships with clients
The idea of “Rewire Happy” and why it’s essential to focus on enjoying life while managing your money
Kimberly Skermer’s approach to coaching incorporates a unique perspective from both Athletic and Senior Executive Leadership, drawing on decades of experience that have taken her to World stages. Her methods have been tried and tested, proving effective for the individuals she champions. With a background in mentoring, training small business teams, facilitating seminars, and accumulating over 26,000 professional coaching hours, Kimberly is an expert in guiding ambitious individuals to reach their peak performance.
Kimberly encourages her clients to “Find the I” and “Find the Calm.” Just like an athlete searching for their inner strength and focus, her clients are urged to look inward, discover their true selves, and determine their genuine desires. Kimberly believes that by diving into the “I” of the storm, her clients will find the calm that propels them past the plateaus experienced by every high-achiever.
Her coaching philosophy challenges the conventional notion of success, urging her clients to stop conforming to a single path and instead carve out their own journey. By tuning out external noise and opinions, her clients find direction from within, unlocking their true potential.
The core principles of Kimberly’s coaching philosophy are encapsulated in the mantra: “Create in wonderment, Align with structure, Lead with wisdom, and Master your authority.” These principles form the foundation of all divisions within The Approach Coaching Method, reflecting Kimberly’s behavioral and athletic approach to coaching for sustained success.
Ever wondered how to make financial planning less confusing and more about living your best life?
This week on No Pricks Allowed, Aaron Buchner dives into what a comprehensive financial plan truly entails, dispelling common misconceptions and emphasizing the importance of setting and achieving diverse life goals beyond just retirement.
Listen in to understand how a true financial plan integrates all aspects of your finances into a cohesive strategy that supports your entire journey.
Aaron discusses:
The real definition of financial planning and why it’s about life, not just investments or budgeting
Common gaps in financial plans, such as overlooking tax implications and emergency funds
The importance of setting and prioritizing financial goals beyond saving for retirement
Understanding risk factors and why having a will is essential for everyone
Ever wonder if that daily coffee run is really what’s stopping you from achieving your financial goals?
In this episode, Aaron Buchner dives deep into the concept of spending on what makes you happy—even if it’s $200 on vinyl records—while debunking the myth that small indulgences like coffee are sabotaging your financial future.
You’ll hear personal anecdotes, practical tips on balancing joy with sensible spending, and how to identify and cut out “stupid stuff” that doesn’t add value to your life.
Aaron discusses:
Why the “latte factor” isn’t the real culprit behind financial struggles
The importance of spending money on what truly brings you joy
How to balance short-term happiness with long-term financial goals
Practical advice on setting a budget that allows for fun while staying financially healthy
Ready to revolutionize how you approach personal finance?
In the debut episode of the No Pricks Allowed Podcast, host Aaron Buchner opens up about his journey into financial advising, shedding light on his unique and authentic approach, and why “Prick-Free” financial advice is designed to be painless.
Discover what sets Aaron apart from the traditional financial world, and why his advice is tailored for everyday people aiming to enjoy each stage of their life to the fullest.
Aaron discusses:
His excitement about starting the podcast
The origins and philosophy behind “Prick-Free” financial advice
His personal style and how it reflects his unique approach to financial advice, standing out in industry events
The focus on providing advice to the masses rather than just high net worth individuals or retirees
The evolution of his career from a consultant to a financial planner, driven by a desire to help people and understand their life journeys
The importance of understanding clients’ behaviors, attitudes, and fears to provide effective financial planning
His goals for the podcast, including sharing his passion for finance and helping people understand the full scope of financial advice
