Hello, loyal listeners! We wanted to let you know that we have a quick update on the podcast and a few things that are happening over at Toujours Planning right now. As you may know, we are a Lake Charles-based business and family, and our comm

116: The Global Effects of the Stock Market

Sep 29th, 2020 28m 19s

We often think “the stock market” is synonymous with Wall Street. Stressed out stockbrokers yelling and wearing blazers. New York City. Right? Not necessarily. There are other stock markets all around the world, and they all have different degr

MINISODE: Do You Need a Financial Advisor or a Certified Financial Planner™?

Sep 22nd, 2020 5m 14s

When you decide to get your financial ducks in a row, you probably start to look for help with a good old Google search. But when you look up “financial advisor,” “financial planner,” “planning for retirement” or any variation of your financial

115: How You Spend and Invest Your Money Matters

Sep 15th, 2020 30m 48s

When you think about buying something — a plain ol’ shirt, for example — what’s your thought process? How do you decide what shirt to buy? Maybe you think, “I don’t want to spend over $20 on this shirt.” Or, “I need it fast, so I need to buy it

MINISODE: Are You Falling into This Stock Market Trap?

Sep 8th, 2020 5m 20s

Sir John Templeton, an American-born British investor, banker, fund manager, and philanthropist, said this on investing: “Bull markets are born on pessimism, grown on skepticism, mature on optimism, and die on euphoria.” He was named “the great

114: Your Money & the Federal Reserve Currency System

Sep 1st, 2020 29m 54s

We often think of “money” as a stack of bills with a bunch of dead presidents on them, right? That’s money as a concept. But when was the last time you carried cash on you? If you don’t see it or touch it, does it actually exist? Yes. And no.

MINISODE: Should You Have a Joint Account with Your Partner?

Aug 25th, 2020 4m 46s

We’ll keep the intrigue to a minimum. In our opinion, the answer to this question is a resounding yes. Whether you’ve just gotten married (congrats!) or you’re in a committed, long-term relationship, it may be a good idea to have a joint accou

113: Should There Be a Wealth Tax?

Aug 18th, 2020 35m 26s

The coronavirus pandemic, as well as recent protests against racial injustice, have highlighted a few underlying problems in our society that have been unknown by many and ignored by most. One of them is the income equality in America: the stag

MINISODE: When Stock Markets Dip and Bounce Back

Aug 11th, 2020 4m 57s

In March of 2020, we saw the stock market tumble 30% in one month. In the following few months, we’ve gained most of that back. What is happening?? In this minisode (seriously, it’s less than three minutes!), Dustin recaps what a stock actually

112: Growing a Business & Wealth with Katell and Jon of Reverielane

Aug 4th, 2020 36m 6s

Katell and Jon, a husband and wife design team, are founders of Reverielane, a purpose-driven brand and web design firm. Katell’s experiences living in The Ivory Coast in Africa and France have honed her keen eye for design. Paired with her ent

[Summer Remix] 102: Net Worth is King

Aug 3rd, 2020 26m 14s

We talk about fear a lot on our podcast. Fear is natural and, TBH, necessary. But when it comes to finances, three types of fear tends to hold us back: from investing, from charging clients what we’re worth, or from taking chances when building

[Summer Remix] 102: Net Worth is King

Jul 28th, 2020 26m 14s

[Summer Remix] 101: Robo-advisors: Your New Best Friend or Your Worst Enemy?

Jul 21st, 2020 50m 56s

The robots have taken over. Just kidding. In reality, robots haven’t taken over — but they have taken over a major chunk of the financial industry in the form of robo-advisors. A lot of people assume that we’re going to bash on robo-advisors (“

100: High Yield Savings vs. Stocks: Who Wins?

Jul 14th, 2020 36m 7s

Let’s address the elephant in the room first: what does the phrase “stock market” mean to you? Fear! Panic! Crash! We get it. But we’re here to tell you… the stock market ain’t that bad! There are a lot of misconceptions about investing in th

[Summer Remix] 98: Leaving Behind the “Punch Clock” Mindset

Jul 7th, 2020 21m 47s

No one uses an actual punch clock at their job anymore, right? However, the concept of a punch clock — punching in to start a shift and punching out when it ends — is ingrained in many of us, even as business owners who write our own checks and

111: What’s Most Important to You?

Jun 30th, 2020 19m 2s

How has your life changed in 2020? We’re not talking about how you’re learning how to bake bread, choosing Zoom backgrounds for your virtual meetings, or watching way too much Netflix. We’re talking about how the intangible stuff has changed.

110: Why Everyone Needs an Estate Plan

Jun 23rd, 2020 21m 11s

Answer us this: which person needs estate planning the most? A) Someone with two kidsB) Someone with a small business of their ownC) Someone who has property and possessions to pass onD) All of the above If you answered D, ding ding ding! You

MINISODE: The Problem With Saving Just for Emergencies & Retirement

Jun 16th, 2020 4m 1s

How many times have you heard “Save for an emergency!” and “Save for retirement!” We’re not saying those aren’t super important things to save for… but what about the rest of your life? Things like buying a house some day, or having kids. Takin

109: The Problem with Baby Steps

Jun 11th, 2020 31m 44s

Where do you get your financial advice? (Aside from us and the Wealth by Design podcast, of course. 😉) Your friends? Parents? Coworkers? YouTubers? “Money gurus?” Some of the most popular money gurus out there (we won’t name names) have a proc

MINISODE: The Real Reason You Lose (and Gain) Money in the Stock Market

May 26th, 2020 4m 24s

Welcome to another minisode! This week, Danielle shares some quick tips and stories about the stock market, the 2007-2009 financial crisis, and the best kind of investment strategy you can use, pandemic or no pandemic. Look, we get it. It’s ter

108: Why It’s Important to Know Your Numbers

May 19th, 2020 20m 32s

Do you know your numbers? We’re not talking about your numbers like how much you have in your checking account, or age and weight (which we shouldn’t be asking about anyway!). By “numbers,” we mean the three numbers that can help you ride out t

MINISODE: Tactical Advice for Businesses Affected by COVID-19

May 12th, 2020 7m 12s

As of right now, things are looking pretty bad thanks to COVID-19. And as Dustin says in our latest minisode, things will probably get much worse. We’re not trying to scare you — we don’t need any more sources spreading fear, right? But we say

107: The Key to Consistency in Investing

May 5th, 2020 13m 23s

Dollar-cost averaging. It’s probably the most boring financial term ever. (We’re working on coming up with a new term. Anyone have any ideas? Anyone?) Snooze-inducing as it sounds, dollar-cost averaging is a super important technique that every

MINISODE: COVID-19 & Your Retirement Accounts

Apr 28th, 2020 4m 27s

Thanks to the continuing COVID-19 crisis, you’re probably hearing “the D-word” thrown around a lot. Yes, that big, scary D-word. “Depression.” News outlets and public figures are warning us that we’re heading for a depression that rivals the G

MINISODE: What You Need to Know About the Current Stimulus Packages

Apr 21st, 2020 17m 33s

Another day in quarantine, another minisode in our COVID-19 Crisis Series. This time, we’re talking about stimulus packages. You may have heard the terms “monetary policy” and “fiscal policy” thrown around a lot on the news in regard to the upc