Common Sense Financial Podcast Podcast Por Brian Skrobonja arte de portada

Common Sense Financial Podcast

Common Sense Financial Podcast

De: Brian Skrobonja
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The Common Sense Financial Podcast is all about finances, mindset and personal growth. The goal is to help you make smart choices with your money in your home and in your business. Some of the podcasts here are historical in nature. They aired before July 1, 2022 and were previously approved by Kalos Capital. The views and statistics discussed in these shows are relevant to that time period and may not be relevant to current events. This is intended for informational and entertainment purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. Our firm is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure.All rights reserved Economía Finanzas Personales
Episodios
  • The Shocking Cost of College: How to Be Smart and Avoid a Tuition Trap

    The Shocking Cost of College: How to Be Smart and Avoid a Tuition Trap
    Aug 13 2025
    Brian Skrobonja talks about the real cost of college—and why most families are dangerously unprepared. Tune in to learn how to fund your child’s education without sacrificing your retirement. Expect to hear eye-opening numbers, smarter strategies than 529 plans, and a flexible approach that keeps you in control, no matter what path your child takes. Brian starts by explaining how to avoid being blindsided by college costs. Most parents assume they’ll have time until the first invoice shows up. And when it does, it doesn’t just hit your wallet—it hits your entire financial life.Understand why “college tuition” is just one part of the picture. The real cost includes everything else: housing, books, transit, lab fees, and incidentals. And those extras can add up to more than tuition itself.Brian explains how college costs can quietly destroy retirement plans. You want to help your child, but helping without a plan can wipe out decades of savings. How to ensure college costs don’t catch you by surprise. Learn why a 529 plan is helpful—but also restrictive. It only works if your child follows a specific path and goes to college. Brian describes why flexibility should be a priority when planning for college. What if your child takes a gap year? What if they don’t go to college at all? You need a funding tool that moves with life—not against it.Why a 529 plan can hurt your financial aid eligibility. Every dollar in that account shows up on the FAFSA. And that could mean less aid, more loans, and more stress.How cash value life insurance creates breathing room. It doesn’t show up on aid forms, and you can use the money for anything—college or not. That kind of freedom changes how you plan.Brian explains how life insurance can do what college savings accounts can’t: tax-deferred growth, tax-free access, and zero usage restrictions. Learn why not all life insurance is designed for this. Some policies are built for death benefits—not cash value. You need the right structure, the right funding, and the right guidance.How to plan for college without sabotaging your lifestyle. Tuition shouldn’t mean pausing your retirement or downsizing your life. According to Brian, smart planning means both futures can coexist.Understand the real power of liquidity in college planning. For Brian, savings are great. But if they’re locked up when the bills arrive, they’re just numbers on paper.Brian reveals why thinking in lump sums is the wrong mindset. College is a cash flow challenge, not just a savings goal. You don’t need $200K on day one—but you do need to know where every semester’s payment will come from. Brian describes what real planning actually looks like. It’s not just picking an account—it’s designing a strategy. One that flexes, protects, and puts you in control, no matter what life throws your way. Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube Common Sense Financial Podcast on Spotify References for this episode: https://capstonewealthpartners.com/11192015cash-flow-is-king/?utm_source=chatgpt.com https://research.collegeboard.org/media/pdf/Trends-in-College-Pricing-and-Student-Aid-2024-ADA.pdf?utm_source=chatgpt.com https://www.parents.com/parents-are-sacrificing-to-pay-for-college-11761247?utm_source=chatgpt.com https://moneywise.com/managing-money/debt/my-wife-and-i-are-well-off-but-we-told-our-daughter-21-we-couldnt-afford-to-pay-for-her-college-now-shes-graduated-with-90k-in-student-loans-and-a-chip-on-her-shoulder?utm_source=chatgpt.com https://www.benefitnews.com/news/citizens-parents-compromise-retirement-over-college-costs?utm_source=chatgpt.com https://crsreports.congress.gov/product/pdf/IN/IN12024 Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual’s net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment’s trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets. ---- BUILD Banking™ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or ...
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    23 m
  • Defining A Diversified Portfolio - Replay

    Defining A Diversified Portfolio - Replay
    Aug 6 2025
    In this episode, Brian Skrobonja breaks down ways to save, grow, and invest your money. He sheds light on what a well-diversified portfolio looks like, the true definition of financial freedom, and why you need different mindsets for spending versus investing money. We all want the same thing when it comes to money--we all desire to make money, grow money, and use the money that we have.However, most people have a belief system that is rooted strictly on growing money--which, on some level, makes sense. But this singular focus leaves out the idea of using money.Why is this important? Because how we grow money is not the same as how we spend money. Growing money and using money require different approaches and different ways of thinking.Brian reveals that many people spend money wrong. This is not about what people spend money on, but the source of the income being spent.If you earn a dollar and spend it, it's gone forever. If you earn a dollar and invest it for income, you potentially have income for life.Brian explains why it makes more sense to spend the money your investments earn versus spending the money you earn directly.Why is this important? If you want to grow your wealth over time, you should find ways to hang on to as much money as possible.What is the difference between making and growing money? Brian breaks down a brilliant way to use other people’s money to access cash while your money continues to grow. The definition of passive income and the benefits of making money with little to no effort. Better ways to generate income other than the stock market. Brian explains why the stock market is great for growing money, but it’s not the best option for generating recurring income.Ideally, you want to position assets so you have a tax-free, passive income to live on. You need to have the ability to spend money with uninterrupted growth while simultaneously investing long-term.Financial freedom is defined by how much passive income you are generating. Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube Common Sense Financial Podcast on Spotify Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Annuity guarantees rely on financial strength and claims-paying ability of issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are not FDIC insured. Investments in securities are subject to investment risk, including possible loss of principal. Prices of securities may fluctuate from time to time and may even become valueless. Gas and oil investments are speculative in nature and are sold by Private Placement Memorandum (PPM). Carefully read the PPM before investing. Certain accreditation requirements may apply. Our firm does not offer tax or legal advice. Consult your tax or legal advisor regarding your situation.
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    13 m
  • Investing in Your Ideal Future Self - Replay

    Investing in Your Ideal Future Self - Replay
    Jul 30 2025
    The concept of investing is often associated only with money and the pursuit of wealth, but this fails to capture the true essence of investing. An ideal future isn’t encapsulated by a stack of $100 bills. The true essence of investing is not about building wealth, but about building the atmospheric conditions that align with your ideal future self. Listen to the latest episode of the podcast to learn why a relentless focus on accumulating wealth will end up costing you what you’re actually working for, and why you need to have a more encompassing vision for what your retirement can be beyond your portfolio. Your quality of life isn’t determined just by the number in your bank account. Those dollars are merely the resources you use to create the ideal life.Wealth extends beyond the mere accumulation of money. It’s about the life you can construct around it and the atmospheric conditions you can create for yourself.You can possess all the wealth in the world, but without the cornerstones of a healthy life like thriving relationships, health, purpose and meaning, the value of that wealth diminishes.We need to exercise caution in our perception of wealth and the significance we ascribe to money. Investing shouldn’t only mean contributing to your financial future but should be considered building towards your ideal future.Having a vision for your retirement that involves activities and people requires a keen understanding of what’s important.Brian had a client who embodied the rags to riches narrative that people in the West admire so much, but after years of diligently working toward accumulating his wealth, this client ended up sacrificing his health. Instead of traveling the world and enjoying the fruits of his labor, this client spent his golden years visiting doctors and hospitals.“Man sacrifices his health to make money, then he sacrifices his money to recuperate his health.” -Dalai LamaA healthy lifestyle lays the foundation for our capacity to live fully and pursue our ambitions actively. The importance of investing in health can not be overstated.Along with health, investing into your relationships is paramount. Relationships form an integral part of our support system. The rewards are not always monetary, but they are no less important, and investing time into relationships is crucial.Investing into a steady flow of income beyond just building a portfolio is another key component to enjoying your retirement.Growth is not income generating and growth is not the same as income. Retirement needs to be a time of shifting from a diversification of growth assets into a diversification of income producing assets.The true essence of investing is not about building wealth, but about building the atmospheric conditions that aligns with your ideal future self. That includes nurturing your health, cultivating meaningful relationships, ensuring a steady income, and fostering cognitive ability.Money is a tool to reach those goals, and not the goal itself.Retirement should be seen as a chapter in your life that is ripe with potential.True wealth is not just the abundance of money, but the presence of all the components that make life fulfilling. Mentioned in this episode: BrianSkrobonja.com BuildBanking.com Previous episode - Make Health Planning Part of Your Retirement Planning, with Regan Archibald Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Skrobonja Wealth Management, LLC unless a client service agreement is in place. Skrobonja Financial Group, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you away ...
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    14 m
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