Special Needs Trusts: A Guide to Protecting Your Loved OnesWelcome back to another estate planning edition of Wine and Dime. In this episode, we will be delving into the topic of special needs trusts. As the CEO and founder of Rooted Planning Group, I have had the privilege of gaining valuable insights from the Encore Estate's Team, who have provided me with guidance and educational language on this subject. Before we dive in, I would also like to highlight a winery that I recently visited, Kemmeter, located in the Finger Lakes area of New York. Their unique approach to winemaking, influenced by music, has brought a fresh perspective to the industry. But now, let's turn our attention to the important matter at hand - special needs trusts.Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Key TakeawaysHere's a brief summary of the episode for all you time-pressed listeners who want your information as crisp and light as a glass of Pinot Grigio:A Special Needs Trust helps a beneficiary inherit assets without jeopardizing their eligibility for government benefits.The trust allows clients to appoint a professional fiduciary to manage the funds.Assets in the trust never directly belong to the beneficiary.Tailor your Special Needs Trust to the specific needs and circumstances of each beneficiary.Unveiling the Special Needs TrustsIn this episode, we delve into what a Special Needs Trust is all about. This is a financial safety net designed to ensure that beneficiaries continue receiving needs-based government benefits, like Medicaid and Supplemental Security Income (SSI), even after they inherit assets. It's a supplement, not a replacement. Think of it like adding that perfect splash of creamer to your morning coffee – it doesn't replace the coffee, just enhances it.Maintaining Control with Special Needs TrustsOne of the unique aspects of a Special Needs Trust is that the assets never directly belong to the beneficiary. This means they can inherit assets and still maintain their benefits. Also, a Special Needs Trust allows me as a client to appoint a trusted individual or professional fiduciary to manage the funds for the beneficiary's benefit. It's all about preserving control and ensuring the beneficiary's financial safety.When Do You Need a Special Needs Trust?In this episode, I highlight various circumstances that might require a Special Needs Trust. From caring for a sibling who can't make independent financial decisions to securing a future for a child with a learning disability, the scenarios are as varied as the wine varietals in Napa Valley. However, it's crucial to remember that a Special Needs Trust isn't a one-size-fits-all solution. Always make sure to consult with a qualified attorney or legal counsel to tailor the trust to your specific needs.My Wine RecommendationNow, what would an episode of "Wine and Dime" be without a wine recommendation? This time, I'm suggesting a Riesling from Kemmeter in the Finger...

Hello, Wine and Dime listeners! Thank you once again for joining the show. Today, we are diving into a topic that is often overlooked but incredibly important in estate planning: The Five Wishes. This document, created by the organization Five Wishes, is the first living will that addresses not only your medical wishes but also your personal, emotional, and spiritual needs. It allows you to choose the person who will make healthcare decisions for you if you are unable to do so yourself.Key Takeaways:The Five Wishes is a comprehensive living will that addresses personal, emotional, and spiritual needs, in addition to medical wishes.The document allows individuals to choose a healthcare decision-maker and specify their medical treatment preferences.It covers how individuals want to be treated, what they want loved ones to know about them, and their funeral wishes.Distribute copies of the Five Wishes to relevant parties and keep the original in a safe place at home.Aging with dignity involves ensuring that family members are aware of an individual's final wishes.Before we delve into the details of The Five Wishes, let's take a moment to talk about something a little lighter. In our previous episodes, we featured a winery called Billsboro on Seneca Lake. If you ever find yourself in the Finger Lakes area of New York, I highly recommend visiting Billsboro. Their wines are delightful, and the setting in their beautiful old barn is truly picturesque. One wine that stood out to me was their 2022 Sarah, which will be released soon. It's a light and rich-flavored wine that I believe many wine enthusiasts will enjoy.Now, let's get back to the topic at hand: The Five Wishes. This document is a comprehensive living will that covers various aspects of your healthcare and end-of-life wishes. It was created with the help of the American Bar Association Commission on Law and Aging and is available in 29 languages.The Five Wishes addresses five key areas:1. Choosing a Healthcare Decision-MakerThe first wish allows you to designate the person you want to make healthcare decisions for you if you are unable to do so yourself. This person, known as your healthcare proxy or agent, will have the authority to make medical decisions on your behalf. It's crucial to choose someone you trust and who understands your values and wishes.2. Defining Your Medical Treatment PreferencesThe second wish focuses on your preferences for medical treatment. It allows you to specify the kind of medical treatment you want or don't want in various scenarios. You can outline your preferences for pain management, comfort, and life-supporting treatments. The document provides options for you to be as specific as you'd like, ensuring that your wishes are known and respected.3. Ensuring Comfort and DignityThe third wish centers around your desire for comfort and dignity. You can express how you want to be cared for, including specific requests such as having pictures of loved ones in your room, being treated with kindness and cheerfulness, or even being called by a particular name or nickname. This wish allows you to define how you want people to treat you during your healthcare journey.4. Communicating Your Personal WishesThe fourth wish is an opportunity for you to communicate your personal wishes to your loved ones. You can express forgiveness, love, and any other sentiments you want your family and friends to know. Additionally, you can outline your preferences for your body after death, such as burial, cremation, or donation. This wish ensures that your

Hey there, wine enthusiasts and financial aficionados! In this episode of "Wine and Dime," I'm thrilled to uncork the complex topic of Power of Attorney in Estate Planning. We'll pour out the details, swirl them around, and give you a taste of why this legal document is a crucial part of your financial vineyard. So, grab your favorite glass, sit back, and let's dive into the world of Power of Attorney, one sip at a time.Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Key Takeaways:Powers of attorney can be either temporary or permanent and are essential for planning for emergencies and incapacity.A durable power of attorney remains in effect even if the principal becomes incapacitated, while a nondurable power of attorney ends in such situations.It is crucial to appoint a trustworthy agent with integrity and consider appointing a secondary agent as a backup.A durable financial power of attorney allows the agent to handle the principal's financial affairs, while a durable healthcare power of attorney enables the agent to make medical decisions.Powers of attorney do not continue beyond a person's life, and separate documents are needed for financial and healthcare powers of attorney.A Journey to Billsboro WineryI kicked off the episode with a delightful recount of my visit to Billsboro Winery. Nestled on the shores of Seneca Lake, this winery is a must-visit for all wine lovers. My recommendation? The Alberino - a refreshing white grape wine that's perfect for summer. So, whether you're a local or a visitor, make sure to add Billsboro Winery to your itinerary.Decoding Power of AttorneyNext, I uncorked the main topic of the episode: Power of Attorney. I explained the two types of Power of Attorney - financial and healthcare - and the difference between durable and non-durable. I emphasized the importance of appointing a trustworthy agent and having a successor in place. Remember, this isn't legal advice, but a guide to help you understand the terminology and its relevance to your life.Pitfalls to AvoidI also highlighted some common pitfalls to avoid when dealing with Power of Attorney. From appointing the wrong agent to not having access to the physical document, I outlined potential issues that could leave a sour taste in your financial planning.Recommended WineTo pair with this episode's theme, I recommend the Alberino from Billsboro Winery. Much like a Power of Attorney, this wine is there for you when you need it most, providing a refreshing, reliable taste that you can count on. So, as you navigate the complexities of estate planning, take a moment to savor Alberino's crisp, light flavors. After all, who said legal discussions couldn't be paired with a delightful wine?That's it for this episode of "Wine and Dime." Stay tuned for our next episode, where we'll delve deeper into your final wishes. Until then, keep...

Welcome to another illuminating episode of Wine and Dime, where we explore and demystify financial landscapes while celebrating life's finer things. This week's episode is packed with insightful discussions, unraveling the latest updates on student loan repayments following a recent Supreme Court ruling.Hosted by Amy Irvine, CEO and Owner of Rooted Planning Group, this episode will guide you through this complex situation, equipping you with knowledge to navigate the shifting sands of student loans in the United States.Wine or Winery RecommendationLet's kick off this episode with a wine recommendation. This week, we introduce you to Billsboro Winery located on the picturesque Seneca Lake. Offering a unique mix of European style wines, Billsboro specializes in blended wines and a delightful summer Rosé.Indulge in their flavorful Cabsellagnon and Sarah blends, or savor their diverse and vibrant Rosé. Besides the wines, you can delight in their specially curated charcuterie board. The winery also offers a delectable chocolate pairing for those with a sweet tooth. To learn more about their offerings or plan your visit, head over to Billsborowinery.com.Remember:Make a reservation due to the winery's intimate sizeVisit their website for online purchases if you're outside the Finger Lakes areaEnjoy their uniquely blended wines and pairingsMain Discussion: Current State of Student Loans and the Supreme Court DecisionIn the wake of the COVID-19 pandemic, federal student loans were temporarily paused. However, a recent Supreme Court decision has stirred the waters. This ruling blocks the Biden administration's efforts to cancel up to $20,000 in federal student loans.Key Highlights:Interest on federal student loans will start accruing from September 1, with payments beginning in OctoberUpdating personal information and balances with your student loan provider is essentialConsider income-driven repayment and public service loan forgiveness to cancel student loan debtAmy goes on to delve into specific repayment plans like IBR (Income Based Repayment) and ICR (Income Contingent Repayment). She also shares valuable tips for managing and planning for your student loan repayment.Closing RemarksThe world of student loans can be confusing and daunting. Stay tuned with Wine and Dime for more updates, especially with the unveiling of the new SAVE plan that offers several benefits to student loan borrowers.In the meantime, do start budgeting for your repayments and explore organizations like Tisla, which provide free and fair student loan advice.Key TakeawaysReview and update your student loan provider accountReconsider your repayment options, especially income-driven onesStart budgeting for repayments, potentially setting aside money in a savings accountIf you need additional help, consult organizations like TISLAStay informed about the upcoming SAVE planRecommended WineBillsboro WineryLocated on Seneca Lake, Billsboro Winery produces elegant wines to suit various occasions. Their unique blends, like Cabsellagnon and Sarah, offer a rich and full-bodied flavor profile. Their summer Rosé is a refreshing treat. Visit their website or make a reservation to experience their exceptional wine tasting experience.Website: Billsboro WineryEnsure to tune in next time for another exciting episode of Wine and Dime, where we make financial education as enjoyable as a glass of your favorite wine!

Welcome back to Wine and Dime, where we delve into the rich nuances of financial planning, just as one might explore the complexities of a fine wine. In this episode, Amy Irvine, CEO and Founder of Rooted Planning Group, uncorks the topic of healthcare proxies in estate planning.Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!What You'll LearnThe definition and purpose of a healthcare proxy within the context of comprehensive estate planning.The importance of selecting a trusted person (or persons) who can make healthcare decisions on your behalf during difficult and emotional times.Various scenarios and preferences you can outline in your healthcare proxy, including end-of-life decisions, organ donations, and specific medical treatments.An understanding of the Health Insurance Portability and Accountability Act (HIPAA) and its impact on your healthcare information.The relevance and importance of advanced directives and how they complement a healthcare proxy.How to manage healthcare-related decisions in case of permanent unconsciousness or terminal conditions.The necessity of open conversations with loved ones about your healthcare preferences and end-of-life wishes.Wine Tour RecommendationRooted Vine Wine Tours | Santa Barbara Wine Tours & Tastings (rootedvinetours.com)In keeping with the tradition of discovering wineries with a rooted theme, Amy brings to our attention the Rooted Vine Wine Tours based out of Santa Barbara. It's not a winery in itself but offers an exciting opportunity to explore various wineries in the region.Whether you're a novice enthusiast or a seasoned connoisseur, Rooted Vine Wine Tours promises a delightful expedition through some of the finest vineyards Santa Barbara has to offer. Ideal for those planning a visit to the area or looking for a unique wine adventure.Remember, like our financial journey, wine tasting is not just about the destination but the journey itself. You may just find your new favorite vine on the Rooted Vine Wine Tour!Check out their website for more details and plan your wine tour extravaganza.This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Hey there Wine and Dime listener!Are you ready to dive into the world of estate planning with me? In this episode, we're going to talk about trusts - and trust me, it's not as complicated as you might think!First, I'll give you an overview of the different types of trusts, including testamentary trusts, living trusts, and irrevocable trusts. We'll also dive into specific types of irrevocable trusts, like irrevocable life insurance trusts and charitable remainder trusts. Don't worry, I'll make sure you understand all the parties involved in a trust, including the grantor, beneficiary, and trustee.One thing that I find super important is having a pour-over provision will to account for any assets accidentally left out of the trust. As a trustee, it's crucial to know about this provision and how it works - trust me on this one!There are so many reasons for forming a trust, like blended households, clear asset distribution, privacy of asset distribution, and asset protection. And if you want to learn more, you can always check out the resources on the Rooted Planning Group website.As always, don't forget to rate and subscribe to the show. And a big shoutout to T.J. Meehan, who helps with production. If you have any questions or want to learn more, you can contact me through the Rooted Planning Group website or follow us on social media.In my opinion, estate planning is not just for the wealthy. It's for anyone who wants to make sure their assets are distributed according to their wishes. So, let's get started on securing our future by playing this episode now.What You'll Learn:The types and purpose of various trusts, including Testamentary Trusts, Living Trusts, and Irrevocable Trusts.The parties involved in a trust: The Grantor, The Beneficiary, and The Trustee.The role of an executor in the trust process.The various scenarios where forming a trust could be beneficial.The nuances of estate planning with blended families.Summary of Discussion:In this fruitful discussion, Amy Irvine, founder of Rooted Planning Group, takes a deep dive into estate planning with a focus on trusts. Trusts are vital tools in estate planning that ensure your assets are handled according to your wishes. The episode uncovers the different types of trusts, including Testamentary, Living, and Irrevocable Trusts, each serving unique purposes.Amy also explains the roles of the three key players in a trust: The Grantor (who creates and funds the trust), the Beneficiary (who ultimately receives the proceeds from the trust), and the Trustee (who has a fiduciary responsibility to manage the trust).Amy touches on the vital role of an executor who works closely with the trustee to ensure a smooth asset transfer. This episode also explores situations where forming a trust could be particularly beneficial, including blended households, probate reduction, privacy of asset distribution, and asset protection.Winery Recommendation:Get your corkscrews ready because this episode's wine recommendation is Bricoleur Vineyards, a French winery in beautiful Sonoma County. While Amy hasn't tasted their wines yet, she was drawn to their theme of "roots," which resonates with the spirit of the Rooted Planning Group. They have a strong focus on their vineyard's roots, reminding us of the deep-seated connections between life, finances, and good wine.Wrapping Up:This episode is a must-listen for anyone looking to take a deeper understanding of trusts and estate planning. As always, Amy encourages listeners to refer to additional resources available on rootedpg.com. Don't forget to share this episode with friends, rate it on iTunes, and prepare for the next episode. Now, raise a glass to smart financial planning...

Hey there, folks! I'm excited to share with you this episode of Wine and Dime, where I talk about the significance of estate planning. Trust me, it's a topic that you don't want to miss out on!During this episode, I stress the importance of reviewing beneficiaries annually and provide some helpful tips, such as creating a spreadsheet or list of all accounts with named beneficiaries. I also explain the probate process and how it varies by state.Furthermore, I dive into the importance of having a will and how creating an estate plan that includes a trust can protect financial details from becoming part of a public record. Trust me, it's a game-changer!If you're feeling overwhelmed by the idea of estate planning, don't worry! I recommend consulting with an attorney or financial planner for complicated situations. It's always better to be safe than sorry when it comes to your finances.So, grab a glass of your favorite wine, and tune in to this episode. You won't regret it!Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Topics Covered:Probate and its process:The probate process and its requirement can vary by state.In some states, like California, probate is automatic.The process involves several steps including obtaining a death certificate, identifying an executor or administrator for the estate, identifying assets, paying expenses like debts or taxes, and notifying or paying beneficiaries.If there's a will, a judge validates it, and it usually needs to have witnesses. In some states, these witnesses must appear at probate, while in others, they can sign an affidavit when the will is signed​.Role of an Executor:When there's a will, it identifies the executor, assets, beneficiaries, and any outstanding debts and obligations.The executor's job can be simple or very involved, depending on the complexity of the estate.The executor's responsibilities include taking stock of the decedent's assets, including those not listed in the will, ensuring control of the assets during the probate process, and possibly hiring an appraiser to determine the value of certain assets.The executor also needs to notify creditors about the death, which includes banks and even publishing an obituary to alert unknown creditors.Finally, the executor must resolve the estate, which includes paying off debts and distributing assets to the beneficiaries​​.Probate without a Will (Intestacy):If there's no will, either because the decedent did not prepare one or because the court rules the one they have to be invalid, the estate is said to be intestate.In this case, any remaining assets, after debts are paid, go to the closest living relative. The determination of who this relative is can vary depending on state laws and personal circumstances​​.Avoiding Probate:While having a will can facilitate probate, it does not avoid the process entirely.Some ways to...

Hey there! Welcome to this episode of Wine and Dime, where I am going to introduce you to a new series on estate planning. Trust me, it's going to be a blast!So, let's dive right in! Estate planning is an important process that involves making some major decisions. And, if you're wondering why you need an estate plan, let me tell you, there are three basic reasons - privacy, protection of loved ones, and peace of mind.Now, let's talk about the five components of estate planning. First up, we have a will, which is a legal document that outlines your wishes for your assets after you pass away. Then, we have a healthcare proxy, which is a document that designates someone to make medical decisions for you if you're unable to do so. Next, we have a HIPAA release, which allows your designated person to access your medical records. After that, we have a power of attorney, which gives someone the authority to make financial decisions on your behalf. And last but not least, we have naming guardians for any minor children.It's important to do an annual review of your estate planning documents and pick primary and contingent guardians. Trust me, it's better to be safe than sorry. So, let's get started on this exciting journey of estate planning together!Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Shout Out to the Winery of the WeekLiving RootsAmy gives a shout out to our sponsor, Living Roots. This unique winery boasts wines from Australia and Rochester, New York. If you're a wine enthusiast, you might want to check them out!Estate Planning ExplainedAmy defines estate planning as legal planning that helps you control who inherits your assets and who can make medical and financial decisions on your behalf. She emphasizes that her goal is to educate, not provide specific legal advice.Why is Estate Planning Necessary?Amy discusses three reasons why estate planning is crucial:Control: Having an estate plan lets you decide who inherits your assets and makes important decisions for you.Peace of Mind: By determining the distribution of your assets in advance, you reduce potential conflicts after your death.Privacy: Proper planning ensures that your wishes are respected and your loved ones' privacy is protected.Key Components of an Estate PlanBeneficiary Designations: Deciding who will inherit your assets.Method of Distribution: Establishing how and when your beneficiaries will receive their inheritance.Trustees, Executors, and Powers of Attorney: Choosing the people who will make financial decisions for you if you're unable to do so.Health Care Proxies: Appointing someone to make healthcare decisions on your behalf.Guardians: If you have minor children, deciding who will care for them in your absence.Wills vs TrustsAmy explains the differences...

Welcome to another episode of our podcast, where we believe in blending financial acuity with the art of living well. Today, we're tackling a topic that can seem as complex and intimidating as a sommelier's wine list—the Debt Ceiling. In this session, our very own Amy Irvine, CEO and Founder of Rooted Planning Group, takes us on a guided tour of the fiscal landscape.We'll be getting to grips with the intricacies of the Debt Ceiling, its importance in the U.S. economic system, and its potential implications on personal finance. Just as every grape variety has its own unique character, every financial concept has nuances that can profoundly impact your financial health. We'll distill these complex matters down into palatable, easy-to-understand bites.And, speaking of bites, we won't be leaving you parched. Amy will be sharing her recent wine adventure as she takes us to the Walla Walla Valley in Washington State, promising us some delightful deep reds that are as surprising and fascinating as our topic of discussion. So, pour yourself a glass and get comfortable as we uncork the mysteries of the Debt Ceiling in this episode.Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Key Discussion Points:What is the Debt Ceiling?: This episode unpacks the debt ceiling concept, which is the maximum amount of money Congress authorizes the federal government to borrow to meet its bills. It's crucial to note that these expenses are pre-approved, indicating that Congress is aware of expenses surpassing the revenue.The Global Perspective: In a world where only the US and Denmark have a fixed debt ceiling, we ponder whether this approach is antiquated. Should the discussion also revolve around changing the formula?Historical Precedents: We reflect on the four instances when the US, arguably, defaulted, and the closest we came to a default in 2011, which resulted in the loss of the AAA rating.Potential Impact of a Default: The episode then explores the sobering potential consequences if the US were to default - including substantial GDP drop, millions of job losses, and the consequent hike in borrowing costs.The 14th Amendment as a Solution? Finally, we discuss the implications of invoking the 14th Amendment to entirely remove the debt ceiling, a significant shift in our financial structure.If you found our episode enlightening and engaging, don't hesitate to like, rate, and subscribe to Wine and Dime for more discussions that harmonize the world of wine and personal finance. Got queries or topics you want us to uncork in our future episodes? Feel free to reach out. Tune in next time for more financial insights as we continue our journey from the roots of your financial vineyard to the tips of your flourishing vines. Cheers to your financial well-being!Wine Region Recommendation:In true Wine and Dime fashion, we can't explore the complexities of the Debt Ceiling without a fine wine to accompany our discussion. This episode, Amy takes us on a virtual wine tour to the...

Economics 101: Understanding Economic TermsGet ready to dive into the world of finance like you've never done before! In this episode, our financial wizard Amy Irvine takes us on a whirlwind tour, decoding complex financial jargon and making it as easy as ABC. From short selling to capital gains, Amy breaks down intricate financial terms with her knack for making tricky concepts digestible. Ever wondered what 'market capitalization' really means? Or how about the strategy behind 'dollar cost averaging'? Well, you're in the right place.But that's not all! Get ready to journey with Amy to the lush vineyards of Tennessee as she shares her wine region recommendation for this episode. With a glass of enchanting French Hybrid wine in hand, we promise you an enlightening experience where finance meets fun. So, buckle up for a roller coaster ride through the finance world and get ready to become the savvy investor you've always dreamed of being. Cheers to knowledge and good wine!Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Market CapitalizationAmy kicks things off with a clear definition of market capitalization and how it divides companies into categories of large cap, mid cap, and small cap. These terms, based on the overall value of a company's publicly traded shares, can greatly influence investment strategies.Dollar Cost AveragingNext up, we discuss dollar cost averaging, a strategy that involves regularly investing a fixed amount of money, regardless of asset price. Amy explains why this method can help investors avoid the pitfalls of market timing and reduce the impact of market volatility.LiquidityAmy gives a great explanation of liquidity, referring to how quickly assets can be converted into cash. She also introduces us to its opposite - illiquidity - and discusses how these concepts can affect your financial decisions.Short SellingWe then move onto short selling, a topic that has made headlines in recent years. Amy breaks down this high-risk investment strategy and why it's not typically recommended for most investors.ETFs vs Mutual FundsAmy helps us understand the difference between exchange-traded funds (ETFs) and mutual funds. While they may seem similar, they're traded differently and can have distinct implications for your investment portfolio.Capital Gains & Capital Gain DistributionsFinally, we delve into the world of capital gains and capital gain distributions. Amy highlights the important differences between these two terms and how they can affect your tax return.If there are any financial terms you've heard and want to learn more about, we encourages listeners to reach out. We are always eager to help unravel the complexities of financial terminology and make finance more accessible to everyone.Wine Region RecommendationIn this episode, Amy invites us on a captivating journey...

Welcome to another exciting episode of Wine and Dime, where we blend the fascinating world of economics with the delightful flavors of wine. Today, we're diving into the intriguing depths of investor sentiment, market trends, and stock valuations, all while taking a virtual trip to the captivating wine regions of New Mexico! Sit back, pour yourself a glass of your favorite vino, and join us as we unravel the mysteries of the stock market and uncover the hidden treasures of New Mexico's rich wine heritage. Let's embark on this delectable journey together! Cheers!Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!In this insightful episode of Economics 101, we dive into some key economic concepts and indicators that impact our financial lives. Here's what you'll learn:Investor Sentiment:The role of investor sentiment in the stock marketHow the American Association of Individual Investors (AAII) survey measures market optimismStock Market and the Economy:The relationship between the stock market and the economyHow the stock market serves as a leading indicatorStock Market Valuations and Earnings Growth:The significance of corporate earnings growth and its relationship to market valuationsHow the S&P 500 earnings have evolved over time and its impact on the stock marketMoving Averages in the Stock Market:The importance of moving averages as a tool to understand market trendsAn overview of the 50-day, 100-day, and 200-day moving averages and their significanceWine Region:In this scrumptious episode of Wine and Dime, we're venturing off the beaten path and exploring the captivating wine region of New Mexico. Often overlooked in favor of its more famous neighbors, New Mexico boasts a rich viticultural history dating back to 1629, when Franciscan friars first planted wine grapes in the fertile soil of the Rio Grande Valley.So, grab your wine glasses, adventurers, as we embark on a sensory journey through the enchanting landscapes of New Mexico's flourishing vineyards. From the historic Middle Rio Grande Valley to the picturesque valleys of Mimbres and Mesilla, we'll unearth the secrets of New Mexico's winemaking past and present.Prepare to be amazed as we uncover how the local wineries have collaborated with Italian, Spanish, and French vintners to create innovative hybrid grapes that capture the essence of New Mexico's unique terroir. As you sip on your favorite beverage, imagine the sun-drenched vines, the whispers of the desert winds, and the tantalizing aromas of New Mexican wines waiting to be discovered.Whether you're a seasoned wine connoisseur or a curious newbie, let this episode of Wine and Dime be your guide to the hidden gems of New Mexico's wine country. Who knows? You might just find your next favorite bottle or plan a trip to this enchanting region. So, let's toast to the spirit of adventure and the delightful flavors that await us in the vineyards

Welcome to another exciting episode of Wine and Dime with your host, Amy Irvine! In this episode, we'll not only dive deep into the world of economics, but also embark on a delightful exploration of the Virginia wine region. Get ready to learn about the state's rich history of wine production, the unique varietals it offers, and the beautiful landscapes where these grapes flourish. So, pour yourself a glass of your favorite Virginia wine, sit back, and join Amy as she uncorks a wealth of knowledge about both CPI and unemployment, as well as the fascinating world of Virginia's wine industry. Cheers!Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Episode Summary:In today's episode, Amy Irvine explores the connection between economic indicators like the Consumer Price Index (CPI) and unemployment, and how they influence consumer sentiment. As Amy breaks down the complexity of CPI, she highlights its various components and how they relate to inflation.The discussion then moves on to the relationship between unemployment and inflation, with Amy explaining the significance of the U3 and U6 unemployment rates. She emphasizes the importance of monitoring these rates to understand their potential impact on the economy.Lastly, Amy delves into the connection between consumer and investment sentiment, explaining the importance of consumer sentiment as an economic indicator. By understanding consumer sentiment, we can better grasp how it affects spending and overall GDP.Don't miss out on this informative episode that sheds light on the complex relationships between economic indicators and consumer behavior. And if you haven't already, make sure to listen to the previous episodes in this six-part series to get a comprehensive understanding of the economy and its impact on our daily lives.Virginia is for Wine Lovers:In this episode, host Amy Irvine takes a detour from the economic discussion to share her passion for wine, specifically exploring the wine industry in Virginia. She reveals that wine production in the state dates back to the early days of European colonization in the 17th century. Despite the hot and humid summers that can pose a challenge to viticulture, the Virginia wine industry has grown significantly in the last 20 years.Amy highlights that French hybrid varieties account for about 20% of the total grape production in Virginia, while American varietals make up approximately 5%. She shares the top ten varietals produced in the region, such as Chardonnay, Cabernet Franc, Merlot, and Viognier. Amy also notes that the central and northern Virginia County area, particularly just east of the Blue Ridge Mountains, is responsible for a significant portion of the state's wine production.Amy's enthusiasm for the Virginia wine industry is evident as she expresses her desire to visit and explore the region in person, and she encourages listeners to share their recommendations for great Virginia wines that she could try and potentially feature on the show in the future.This episode is...

Welcome back, Wine and Dime listeners! In this episode, we're popping open a bottle of something special as we continue our journey through Economics 101. But before we dive into the intricacies of GDP and the trade balance, let's take a moment to savor the flavors of Michigan's wine industry. Yes, you heard me right - Michigan! From Cabernet Franc to Riesling, Michigan's wineries are producing over 3 million gallons of wine each year. And with over 200 commercial wineries in the state, there's plenty to explore on our tasting tour. But don't worry, we'll make sure to keep our glasses full as we also dive into the ins and outs of GDP, consumer spending, investment, government spending, and net exports. So sit back, pour yourself a glass of your favorite vintage, and join us as we explore the fascinating world of Economics 101.What you will learn:Recap of the importance of the Fed funds rate and understanding economic indicatorsWhat is GDP and how it is measuredThe components of GDP: consumer spending, investment spending, government spending, and the trade balanceThe significance of the trade balance and the concept of a trade surplusOverview of Michigan's wine industry and the variety of grapes grown in the regionThe difference between net exports and total exports and importsDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Outline:Introduction: Recap of the first two episodes on the Fed funds rate and understanding economic indicatorsUnderstanding GDP: Definition of GDP as the total value of finished goods and services produced within a country's bordersDiscussion of the different ways GDP is reported (nominal, real, and PPP)Explanation of the components of GDP: consumer spending, investment spending, government spending, and the trade balanceComponents of GDP: Breakdown of the overall percentages of GDP: consumer spending (68%), investment spending (18%), government spending (18%), and net exports (-3%)Explanation of each component: consumption, investment, government spending, and net exportsDefinition of a trade surplus and how it measures a country's positive trade balanceConclusion: Preview of the next episode on CPI and unemploymentWine Recommendations: The Michigan wine scene is full of surprises, and we've got the inside scoop on some of the most interesting facts:Michigan wine refers to any wine made within the state's borders, and with over 200 commercial wineries producing 3 million US gallons of wine, there's plenty to explore.European grape varieties such as Cabernet Franc, Chardonnay, Gewürztraminer, Dornfelder, Pinot Noir, Merlot, Syrah, Pinot Gris and Riesling are grown in the region, making for a diverse and delicious selection of wines.The wine industry in Michigan has been growing rapidly, with 3375 acres under wine grape cultivation as of 2020, up from 112 operating wineries in 2007.Michigan's unique climate

Welcome to another fun episode of Wine and Dime with Amy Irvine, where we chat about money matters while enjoying some fantastic wine. In today's episode, we'll explore the world of economic indicators, making it easy to understand for everyone. And what better way to learn than with a tasty glass of Airlie Winery's Rosé of Pinot Noir by our side? So, grab your favorite wine glass and join us as we dive into the world of finance with a touch of Oregon's finest wine. Get ready to learn, laugh, and sip with us. Cheers!What You Will Learn:Economic terms and their impact on everyday lifeUnderstanding leading economic indicators (LEIs) and how they signal a recessionThe role of the Institute for Supply Management (ISM) in tracking economic activityDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Understanding Economic Indicators:The importance of LEIs and how they help predict a recessionAverage weekly hours in manufacturingAverage weekly initial claims for unemployment insuranceManufacturers' new orders for consumer goods and materialsManufacturers' new orders for non-defense capital goods (excluding aircraft orders)Building permits for new private housing unitsS&P 500 leading credit indexInterest rate spreadsAverage consumer expectations for business conditionsInstitute for Supply Management (ISM) activity growth manufacturing index: composite of new orders, production, employment, supplier deliveries, and inventoriesNon-manufacturing index: composite of business activity, new orders, employment, and supplier deliveriesWine Recommendation Highlight:Sipping on Airlie Winery's Rosé of Pinot NoirAmy shares her love for Airlie Winery's Rosé of Pinot Noir, a refreshing and spicy wine that she enjoyed during her visit to Oregon's Willamette Valley. This delightful wine helped her get through the 2023 tax season, making it a personal favorite.Featured Wine:Airlie Winery's Rosé of Pinot Noir: A refreshing and spicy Rosé perfect for wine enthusiasts looking for something different.For more information on Airlie Winery and their range of wines, visit their website or check them out when you're in the Oregon Willamette Valley area. And remember to share your favorite wine recommendations with us on Facebook and Instagram @rootedpg. Cheers!Helpful Links:Rooted Planning Group: Learn more about the financial planning services offered by the episode's sponsor, Rooted Planning Group - www.rootedpg.comAirlie Winery: Discover Airlie Winery's Rosé of Pinot Noir and their other wines - www.airliewinery.comNational Bureau of Economic Research (NBER): Find information on leading economic indicators and other

Hi there, Wine and Dime listeners! Amy Irvine here, and I want to start a series on economics. I've realized that during some of my presentations, not everyone may be familiar with some of the terms I use. So, over the next six weeks, I'll be discussing various economic topics that may be new to you but are important to understand. This week, let's start with understanding the importance of the Fed Funds Rate.Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Understanding the Importance of the Fed Funds RateThe Fed Funds Rate has been making headlines over the past year and a half, with projections showing interest rate hikes to slow inflation. Here's what you need to know:What is the Fed Funds Rate? The Fed Funds Rate is the interest rate at which banks lend to each other overnight. It's set by the Federal Reserve to influence economic activity.Why is it important? The Fed Funds Rate affects everything from the yield on your savings account to the price of goods and services.How does it affect you? Changes in the Fed Funds Rate can impact your borrowing costs, your investments, and even your job opportunities.Other Key Terms to KnowYield Curve: The yield curve is the difference between short-term and long-term interest rates. An inverted yield curve, where short-term rates are higher than long-term rates, can signal an economic slowdown.APR vs. APY: APR (annual percentage rate) is the interest rate you pay on a loan, while APY (annual percentage yield) is the interest rate you earn on an investment. Make sure you know the difference!Basis Points: A fancy term for percentage points. 100 basis points equal 1%.My Exploration of Scottish WineAs many of you know, I'm planning a trip to Scotland in 2024, and I've started to get educated about the country. Believe it or not, Scotland has some wineries! While they don't produce a lot of wine, I came across a winery called Chateau Largo during my research. I'm always up for trying new things, so I'm challenging you to find a Scottish wine that you enjoy. If you do, please report back to me!Where to Learn MoreIf you want to learn more about the Fed Funds Rate and other economic terms, check out the links below:Federal Reserve: What is the Fed Funds Rate?Investopedia: Yield CurveNerdWallet: APR vs. APYThat's all for now. Stay tuned for more economic topics in the coming weeks. Cheers!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working...

Welcome to Wine and Dime, the podcast that uncorks the mysteries of personal finance! Today, we're diving into the nitty-gritty of business expenses. As a solopreneur or small business owner, you want to maximize your deductions and minimize your tax bill, right? Well, buckle up, because our guest experts, Kate Welker and Amy Irvine, are ready to help you do just that. From office supplies to travel expenses, from depreciation to employee benefits, they'll guide you through the maze of IRS rules and regulations. So grab a glass of your favorite vintage, and get ready to toast to your financial success!What you will learn:The importance of keeping accurate records of business expenses for tax purposesThe difference between deductible and non-deductible expenses, and how to determine which category an expense falls underHow to calculate depreciation on assets and determine when to list them separately on tax returnsThe nuances of travel and meal expenses, including what is deductible and what is notThe importance of paying both the employer and employee side of Medicare and Social Security taxes as a self-employed individualThe benefits of solo 401k plans and other employee benefit programs for solo entrepreneursDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!The Wine - 2015 WALLA WALLA VALLEY SYRAH DESSERTIf you're a fan of dessert wines, you won't want to miss out on the 2015 WALLA WALLA VALLEY SYRAH DESSERT from Pudding River Winery. This rich and complex wine offers flavors of black cherry, chocolate, and spice, with a smooth finish that lingers on the palate. It's the perfect wine to enjoy after a meal or to pair with a decadent chocolate dessert. Visit Pudding River Winery's website to learn more about this delicious wine and how to get your hands on a bottle.Useful LinksIRS Schedule C: https://www.irs.gov/forms-pubs/about-schedule-c-form-1040IRS Publication 535 (Business Expenses): https://www.irs.gov/forms-pubs/about-publication-535IRS Publication 463 (Travel, Entertainment, Gift, and Car Expenses): https://www.irs.gov/forms-pubs/about-publication-463IRS Publication 587 (Business Use of Your Home): https://www.irs.gov/forms-pubs/about-publication-587Solo 401k: <a...

Bank Failures and Insurance LimitsWelcome to the Wine and Dime podcast, where financial topics are uncorked and discussed like a fine bottle of wine. In today's episode, Amy talks about the recent bank failures and the insurance limits that protect your funds. Before diving into the topic, Amy mentions her wine recommendation for the day - a 2019 Bourbon Barrel Cab from Berklee Winery in Lubbock, Texas. Moving on to the topic, Amy explains the different types of insurances available, such as FDIC and NCUA, and the limits for each. She also highlights the differences between the types of accounts that are covered and not covered. Investments made in stocks, bonds, mutual funds, crypto assets, and annuities are not covered under FDIC insurance. Amy provides a useful link to help listeners check if their funds exceed the FDIC limits.Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!What you'll learn:Recent bank failures have caused concerns about the safety of deposited fundsDifferent types of insurance available: SIPC, FDIC and NCUAFDIC insurance covers checking accounts, savings accounts, CDs, money market deposit accounts, and other official checks issued by a bankFDIC insurance does not cover stock investments, bond investments, mutual funds, any kind of crypto assets, life insurance policies, annuities, any kind of municipal securities, safe deposit boxes or their contents, and then U.S. Treasury bills or bonds or notesThe standard insurance amount is $250,000 per depositorWine Recommended: 2019 Bourbon Barrel Cab from Berklee WineryThe 2019 Bourbon Barrel Cab from Berklee Winery in Lubbock, Texas is a wine that is sure to please any wine enthusiast. This wine is a Cabernet Sauvignon that has been aged in bourbon barrels, giving it a unique flavor profile that is sure to impress.The wine is dark and rich, with aromas of blackberry, black cherry, vanilla, and oak. On the palate, the wine is full-bodied with flavors of dark fruit, vanilla, and a hint of caramel. The bourbon barrel aging adds a subtle smokiness and complexity to the wine, making it a great pairing for rich, hearty dishes like grilled steak or roasted lamb.Berklee Winery is located in Lubbock, Texas, which is known for its hot and dry climate. Despite this challenging environment, Berklee Winery has managed to produce some exceptional wines using sustainable farming practices and a commitment to quality.Overall, the 2019 Bourbon Barrel Cab from Berklee Winery is a fantastic choice for anyone looking to try something new and exciting in the world of wine. Whether you're a seasoned wine drinker or a beginner, this wine is sure to impress with its unique flavor profile and exceptional quality.Helpful Links:Rooted Planning Group: www.rootedpg.comBerklee Hill Vineyards: <a href="https://www.burkleehillvineyards.com/" rel="noopener...

Pairing Schedule 3 with the Perfect Wine: A Tax Season GuideIn this episode of the Wine and Dime podcast, host Amy Irvine discusses Schedule 3 of the 1040 tax form, which covers additional credits and payments. Schedule 3 of the 1040 tax form is like the third glass of wine - it's necessary to finish, but you're not sure if it's worth the headache tomorrow.Kidding aside, Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links! Here are some key points from the episode:Schedule 3 is where you might get some additional credits and payments after your taxes have been calculated.The first part of Schedule 3 is for non-refundable credits. If you don't pay enough in taxes, these credits will offset any amount of liability or tax computation that you might owe.You can also get a foreign tax credit if you paid taxes on international funds held within your brokerage account.The credit for child and dependent care expenses can provide some benefit based on your income level and the amount paid for childcare, with the maximum credit being $3,000 for one child and $6,000 for two or more qualifying children.Education credits such as the American Opportunity Credit and the Lifetime Learning Credit are available for those who have college expenses.If you are saving for retirement, you may be eligible for a retirement credit.Winery Recommendation:Pudding River Winery is a family-owned and operated vineyard located in Salem, Oregon, that has been producing award-winning wines since 2003. The winery's name is inspired by the nearby Pudding River, which flows through the beautiful Willamette Valley. The winery's mission is to create unique and high-quality wines that reflect the distinct terroir of their vineyard.Pudding River Winery's vineyard spans over 22 acres, and it is planted with several grape varietals, including Pinot Noir, Chardonnay, Pinot Gris, Riesling, and Syrah. The winery uses sustainable farming practices, such as composting and cover cropping, to ensure that their grapes are healthy and vibrant. Their wines are handcrafted in small batches, using traditional winemaking techniques and minimal intervention, to showcase the natural flavors and aromas of the grapes.The winery's tasting room is a charming and cozy space, decorated with warm wood accents and beautiful artwork. Visitors can taste a selection of the winery's current releases, including their Pinot Noir, Chardonnay, Pinot Gris, and Riesling. Pudding River Winery also offers guided tours of their vineyard and winery, where visitors can learn about their winemaking process and the history of the winery.If you are interested in trying Pudding River Winery's wines, you can purchase them directly from their website or visit their tasting room in Salem. Some of their wines are also available for purchase at local wine shops and restaurants in Oregon. Here are some additional links to explore their wine selection:Pudding River Winery's online...

Amy Irvine of Wine and Dime is back with another episode, and this time she's uncorking the secrets of Schedule 2 from the 1040 tax document. It may sound daunting, but Amy breaks it down like a fine wine, explaining the different types of taxes and penalties that can show up on Schedule 2. But what's a tax episode without a wine recommendation? Amy suggests pairing your tax prep with a glass of Pudding River Winery's Willamette Valley Chardonnay. This "delightful" wine is the perfect complement to your financial musings, with its notes of apple and pear and a smooth finish that will leave you feeling refreshed and ready to tackle your taxes.So next time you're faced with the daunting task of Schedule 2, remember to take it one sip at a time and pair it with a delicious glass of wine. Cheers to financial wellness and a well-stocked wine rack!Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Main Discussion: Amy discusses Schedule 2 from the 1040 tax document, which includes additional taxes and penalties that a taxpayer may owe. She explains that Schedule 2 is used to report alternative minimum tax, excess advance premium tax credit repayment, additional taxes on IRA or other qualified retirement plans, and other taxes. Amy provides a helpful overview of each of these taxes and explains how they may apply to individual taxpayers.In conclusion, Amy highlights the importance of understanding Schedule 2 and how it impacts your taxes. And of course, they recommend enjoying a glass of Pudding River Winery's Willamette Valley Chardonnay while reviewing your taxes.Wine Recommendation: On this episode, Amy recommends a 2015 Willamette Valley Chardonnay from Pudding River Winery. She describes the wine as "delightful" with notes of apple and pear, a touch of vanilla, and a smooth finish. Pudding River Winery is a small, family-owned vineyard located in Salem, Oregon. Visit their website at puddingriver.com to learn more about their wines and vineyard.Links that you might find helpful:Schedule 2 of the 1040 tax document - The IRS website provides information on Schedule 2, including the different types of taxes and penalties that are reported on it: https://www.irs.gov/forms-pubs/about-schedule-2-form-1040Alternative Minimum Tax (AMT) - The Tax Foundation has an article that provides a comprehensive overview of AMT, including how it works and who may be subject to it: https://taxfoundation.org/alternative-minimum-tax/Excess Advance Premium Tax Credit Repayment - The healthcare.gov website provides information on this tax, including how it is calculated and who may be subject to it: <a href="https://www.healthcare.gov/glossary/excess-advance-premium-tax-credit-repayment/" rel="noopener noreferrer"...

In this episode of Wine and Dime, Amy Irvine is back to talk about the wonderful and illustrious 1040! Amy dives into Schedule 1, which is actually an extension of the front side of the 1040. Schedule 1 is all about additional income and adjustments to income. What you'll learn:Different income items included in Schedule 1 Form 4797 and Form 2550Types of income need to be reported on Schedule 1Pudding River Pinot Noir for International Women's DayDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!I. Additional Income ItemsTaxable refunds, credits, and offsets to state and local income taxesAlimony payments received (before or after 2019)Business income or loss (covered in more detail in part five)Other gains or losses (reported on Form 4797)Rental income (reported on Schedule E)Farm income or loss (reported on Schedule F)Unemployment compensationAny other income received (e.g. net operating loss, gambling, foreign earned income exclusion)Income from other resources (various forms may be required)Alaska permanent fund dividendsJury duty payPrizes or awardsII. Adjustments to IncomeEducator expensesCertain business expenses of reservists, performing artists, and fee-basis government officials.Health savings account (HSA) contributionsMoving expensesDeductible part of self-employment taxSelf-employed SEP, SIMPLE, and qualified plansSelf-employed health insurance deductionPenalty on early withdrawal of savingsAlimony paid (before or after 2019)IRA contributionsStudent loan interest deductionTuition and fees deductionConclusion:Schedule 1 is an important part of the 1040 tax form that covers additional income and adjustments to income.By understanding what needs to be reported and deducted, taxpayers can ensure they are accurately completing their tax return.Pudding River Winery's Pinot Noir: From the Willamette Valley in Oregon, Pudding River Winery's Pinot Noir is a complex and elegant wine with a deep ruby color and aromas of cherry, raspberry, and vanilla.On the palate, it has a smooth and silky texture with flavors of red fruit, spice, and a hint of earthiness.This wine pairs well with grilled salmon, roasted duck, or mushroom risotto.It has received high ratings from wine critics and is a great choice for those looking to explore the world of Oregon Pinot Noir.Links discussed in this episode:The IRS website provides detailed instructions on how to fill out Schedule 1, including a line-by-line breakdown: <a href="https://www.irs.gov/forms-pubs/about-schedule-1-form-1040" rel="noopener noreferrer"...

Summary: In this episode, we break down page 1 of the 1040 tax form and explain each section in plain language. We cover everything from personal information to income sources, deductions, and tax credits, so you can better understand how to fill out this important document.Outline:IntroductionPersonal Information: The first section of the 1040 form requires you to provide your name, address, and Social Security number. You also need to indicate your filing status, which can be single, married filing jointly, married filing separately, head of household, or qualifying widow(er).Income Sources: The next section asks you to report your income, which can come from various sources such as wages, salaries, tips, interest, dividends, and capital gains. You also need to include any taxable refunds, unemployment compensation, and Social Security benefits you received during the year.Adjustments to Income: This section allows you to reduce your taxable income by reporting certain deductions such as contributions to a traditional IRA or student loan interest. These deductions are sometimes called "above-the-line" deductions because you can take them even if you don't itemize your deductions.Deductions: The next section asks you to report your itemized deductions, which can include things like mortgage interest, state and local taxes, charitable contributions, and medical expenses. You can choose to take the standard deduction instead of itemizing if it results in a lower tax liability.Tax Credits: This section allows you to reduce your tax liability by claiming certain credits such as the Child Tax Credit, Earned Income Credit, or American Opportunity Credit.Calculating Your Tax Liability: The final section of page 1 asks you to calculate your tax liability based on your income, deductions, and credits. You can use the tax tables provided by the IRS to determine your tax liability based on your filing status and taxable income.Conclusion and Final ThoughtsWinery and Wine Recommendations:If you're looking for a delicious wine to enjoy while working on your taxes, we recommend the Pudding River Wine Cellars Walla Walla Valley Malbec. This wine boasts bold and juicy flavors of dark fruit and chocolate, with a smooth finish. You can purchase this wine directly from the winery's website at https://puddingriver.com/our_wines/2014-w-v-melbec/Links/Resources Mentioned:1040 tax form: https://www.irs.gov/forms-pubs/about-form-1040IRS website: https://www.irs.gov/Pudding River Wine Cellars Walla Walla Valley Malbec: https://puddingriver.com/our_wines/2014-w-v-melbec/Rooted Planning Group: https://www.rootedpg.com/This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Thinking about adding disability insurance or "Risk Transfer" to your financial plan?&nbsp;Listen to this episode of the Wine and Dime Podcast by Amy Irvine as she shares what she learned at a recent conference sponsored by LLIS.&nbsp;She will also share her wine pick for this month as she starts her "around the world" with her tastebuds wine tour this year.&nbsp;Prejean Winery,&nbsp;https://prejeanwinery.com/&nbsp;- Riesling or Gold Finch Riesling - check out the story of this wine, talk about a life event!WHAT IS LLIS YOU MAY BE ASKING?AS AN EXTENSION OF FEE-ONLY FINANCIAL ADVISOR FIRMS, WE WORK WITH ADVISORS AND THEIR CLIENTS TO FIND THE RIGHT SOLUTIONS FOR:Term Life InsurancePermanent Life InsuranceUniversal Life; Individual and SurvivorshipVariable Universal Life (VUL)Guaranteed&nbsp;Universal Life (GUL); Individual and SurvivorshipDisability InsuranceCritical Care InsuranceLong Term Care InsuranceAnnuitiesImmediateFixedVariableHybrid Life/LTCiHybrid Annuity/LTCiLife SettlementsThanks for listening and be sure to like, rate, subscribe and share.If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!THIS EPISODE WAS PRESENTED BYAMY IRVINEROOTED PLANNING GROUP10 EAST MARKET STREETCORNING NY 14830WWW.ROOTEDPG.COMEMAIL: [email protected]

Thinking about adding life insurance to your financial plan?&nbsp;Listen to this episode of the Wine and Dime Podcast by Amy Irvine as she shares what she learned at a recent conference sponsored by LLIS.&nbsp;She will also share her wine pick for this month as she starts her "around the world" with her tastebuds wine tour this year.&nbsp;Prejean Winery,&nbsp;https://prejeanwinery.com/&nbsp;- 2016 Bosun's Mate - check out the story of this wine, talk about a life event!What is LLIS you may be asking? As an extension of fee-only financial advisor firms, we work with advisors and their clients to find the right solutions for:​Term Life InsurancePermanent Life InsuranceUniversal Life; Individual and SurvivorshipVariable Universal Life (VUL)Guaranteed&nbsp;Universal Life (GUL); Individual and SurvivorshipDisability InsuranceCritical Care InsuranceLong Term Care InsuranceAnnuitiesImmediateFixedVariableHybrid Life/LTCiHybrid Annuity/LTCiLife SettlementsDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

This week's episode of Wine and Dime is a crossover episode from our YouTube channel. In this episode we discuss the Market and Economic Reports so far this year. You can listen to the episode here or check the show notes below for the links to the 2 video's that go along with it. You will learn what the GDP and labor numbers are telling us.Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!10-Minute Market and Economic Report (extended version) - February 6, 2023This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

We are excited to welcome Kimberlee Davis the Fiscal Feminist to this weeks episode of Wine and Dime. Kimberlee Davis is a Partner and Managing Director in The Bahnsen Group, a wealth management practice with offices in Newport Beach, California and New York City. She is also a Certified Divorce Financial Analyst. Kimberlee is a professional woman, a mother and a daughter of elderly parents. Her career began as a Wall Street corporate lawyer. She then transitioned into investment banking, corporate finance, and finally wealth management. She has also been a stay-at-home mom when her three daughters were young. Her experiences have covered the gamut of the diverse roles that women fulfill throughout their often very complex lives. What you will learn:Kim just recently released a new book called, ‘The Fiscal Feminist - A Financial Wake-Up Call for Women.”&nbsp;Join us as we explore why Kim wrote this book and her journey to discovery.&nbsp;As you will hear, Kim wants “women to give themselves permission to be financially strategic, preventative, and knowledgeable, while still enjoying all the things that money&nbsp;can’t&nbsp;buy.”&nbsp;Although Kim is a wealth manager now, that was not her first (or even second) career, listen as Kim shares her story of going from an attorney, to a stay at home mom (in another country), to wealth manager and author and podcaster.&nbsp;Everyone has a journey; we never know what part of the journey someone is on and that is why it is so important to be kinder than necessary for everyone you meet is fighting some kind of battle in their journey.The Fiscal Feminist (@thefiscalfeminist) • Instagram photos and videosDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Fiscal FeministPodcast – Fiscal FeministThe Book – The Fiscal Feminist - A Financial Wake-Up Call for WomenHitching Post Wine - ABOUT HITCHING POST WINES Leading the Hitching Post Wines team are the creators and two long-time friends, Gray Hartley and Frank Ostini, who have been making wines in Santa Barbara County, California since 1979. Long before Hollywood discovered the winemaking landmark and its excellent wines, Gray Hartley, a former Alaskan salmon fisherman and Frank Ostini, chef and owner of the famed Hitching Post 2 Restaurant in Buellton, were brought together by their love of wine and winemaking. Over the years their backyard hobby has turned into a highly acclaimed winemaking enterprise. In 1981 they discovered the wonders of Santa Barbara Pinot Noir; since then Pinot has been their primary focus. Their flagship wine is the Hitching Post Highliner. The “Highliner” is the best fishermen in the fleet, and this name honors the great men of the Alaskan Salmon...

Welcome to Part 3 of the Wine and Dime podcast about the SECURE Act 2.0. In this episode we will be discussing provisions that go into effect in 2024. There's a big one regarding Roth Provisions, so be sure to tune in and learn more!What you will learn:Roth Provisions and eligibility requirementsIRA catch-up will be indexed for inflationHardship DistributionEmergency Savings AccountDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Rooted Planning Group BLOG about Secure Act 2.0 SECURE Act 2.0Pudding River Wine Cellars 2015 Willamette Valley Chardonnay - Toasty, oaky and tropical on the palate laden with pineapple, passion fruit and guava. Rich mid palate but maintains a bright citrus finish.Pudding River Wine Cellars 2015 Walla Walla Valley Syrah Dessert (Port Style) - Leads with complex aromas of roasted coffee bean, mocha, and black pepper that meld seamlessly into flavors of dark chocolate, macerated blackberry and black cherry cordial on the palate with a concentrated earthy, rich finish.Pudding River Wine Cellars Boutique-styled wines from Oregon - Boutique Winery, Vineyard, Tasting Room, Custom Crush We are located in the heart of Oregon’s idyllic east Willamette Valley at the foothills of the Cascade Mountains and about an hour’s drive south from Portland. Once a poultry farm, our property sits along the banks of the Pudding River, a 62-mile tributary in the valley fed from the Cascade Range. We planted our vines in 2004 and yielded our first commercial vintage in 2006. Our dedication to producing world-class wine in the classic Oregon style while using sustainable methods, has been recognized by the Wine Spectator and Wine Enthusiast with a growing accumulation of accolades from wine and food competitions in the region. Recently, our wines scored high marks at the acclaimed San Francisco International Wine Competition.This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Welcome to Part 2 of the Wine and Dime episode about the SECURE Act 2.0. In this episode we'll be covering some the new provisions that are effective for 2023. Buckle up, because there is a lot of information in this one!What you will learn:Roth SEP and Roth Simple IRA's for small businessesRoth IRA employer contributionsMoving 529 money to a Roth IRA for beneficiaryHardship DistributionsDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Rooted Planning Group BLOG about Secure Act 2.0 SECURE Act 2.0Pudding River Wine Cellars Boutique-styled wines from Oregon - Boutique Winery, Vineyard, Tasting Room, Custom Crush We are located in the heart of Oregon’s idyllic east Willamette Valley at the foothills of the Cascade Mountains and about an hour’s drive south from Portland. Once a poultry farm, our property sits along the banks of the Pudding River, a 62-mile tributary in the valley fed from the Cascade Range. We planted our vines in 2004 and yielded our first commercial vintage in 2006. Our dedication to producing world-class wine in the classic Oregon style while using sustainable methods, has been recognized by the Wine Spectator and Wine Enthusiast with a growing accumulation of accolades from wine and food competitions in the region. Recently, our wines scored high marks at the acclaimed San Francisco International Wine Competition.This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Welcome back Wine and Dime listeners. These next three episodes will be focusing on the SECURE Act 2.0. On December 23, 2022, Congress passed the Consolidated Appropriations Act of 2023, which included the SECURE Act 2.0, which was part of the 2023 Omnibus Spending Bill.&nbsp; It made for good reading over the past week.&nbsp; For those inquiring minds that want to know what “SECURE” stands for, it is “Setting Every Community Up for Retirement Enhancement.”This is going to focus only on the SECURE Act provisions, but there is soooooo much more!&nbsp; Here is a link to the actual bill if you have trouble sleeping some night: BILLS-117hr2617enr.pdf (congress.gov) In part 1, you will learn about:What's an RMDWhat are the new rules for RMD'sHow those changes may affect you or someone you knowDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Rooted Planning Group BLOG about Secure Act 2.0 SECURE Act 2.0Pudding River Wine Cellars Boutique-styled wines from Oregon - Boutique Winery, Vineyard, Tasting Room, Custom Crush We are located in the heart of Oregon’s idyllic east Willamette Valley at the foothills of the Cascade Mountains and about an hour’s drive south from Portland. Once a poultry farm, our property sits along the banks of the Pudding River, a 62-mile tributary in the valley fed from the Cascade Range. We planted our vines in 2004 and yielded our first commercial vintage in 2006. Our dedication to producing world-class wine in the classic Oregon style while using sustainable methods, has been recognized by the Wine Spectator and Wine Enthusiast with a growing accumulation of accolades from wine and food competitions in the region. Recently, our wines scored high marks at the acclaimed San Francisco International Wine Competition.This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Happy New Year Wine and Dime listeners! This first episode of 2023 is a special one. We welcome to the show Lisa Zawrotny. Lisa found herself sandwiched between "raising parents" and raising kids.&nbsp;She got lost in who she was and used her process to find herself and declutter her life to start a new path, a new business. Check out Lisa's Podcast "The Positively Living podcast"Lisa shares the following tips:Learn who you areLearn how you work bestLearn how to lean into your strengthsDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!About Positively Lisa Zawrotny - I’m the founder of Positively Productive Systems and the host of the Positively Living Podcast. After experiencing a deeply overwhelming time in my life juggling multiple roles as a caregiver, wife, mother, and business owner, I am now a Productivity + Accountability Coach certified in time and stress management helping other multi-passionate entrepreneurs who struggle to balance business and family. Through my podcast, online programs, and coaching, I show you how to boost productivity and avoid burnout while making it feel simple and sustainable. When I’m not sharing about the wonders of simplicity, self-care, and systems, I’m playing music (lately it’s self-taught guitar or I’m cranking up classic rock), drinking coffee (iced or hot), and watching movies with my husband and kiddos…or reading while trapped under a cat. Your path to productivity requires productivity tools to match you, your personality, and your passions.Positively Productive Systems LinksPositively Productive Podcast - The Positively Living podcast is a self-improvement podcast with specially curated content to support multi-passionate creatives and entrepreneurs. If you want to prioritize your passions and discover ways to achieve more while doing less, then join host Lisa and her guests as they cover topics relating to productivity, self-awareness and development, entrepreneurship, habits and systems, organizing, and more. You’ll find actionable advice, wrapped in humor and hope, dedicated to helping you do less, live more, and breathe easier.This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Welcome to part 2 of the last episode of Wine and Dime for 2022. It's been a great year and I thought it would be great to invite team on this episode to share some year ending financial insights. We want to thank you all for subscribing and being part of the show.Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Whiskey Hill Winery & Postlewait's Vineyards - We’re a micro, all family run, Estate Winery & Vineyard specializing in Pinot Noir, Pinot Noir Rosé & White Pinot Noir. We’re located in the heart of the World-Famous Willamette Valley AVA on some of the world’s most fertile farm ground. We make both the Postlewait’s & Whiskey Hill labels. Postlewait’s is the name of the Wedding Venue which was established in 2001 & Whiskey Hill Winery is named after the area we’re located in, Whiskey Hill.This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Welcome to part 1 of the last episode of Wine and Dime for 2022. It's been a great year and I thought it would be great to invite team on this episode to share some year ending financial insights. We want to thank you all for subscribing and being part of the show. Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Whiskey Hill Winery & Postlewait's Vineyards - We’re a micro, all family run, Estate Winery & Vineyard specializing in Pinot Noir, Pinot Noir Rosé & White Pinot Noir. We’re located in the heart of the World-Famous Willamette Valley AVA on some of the world’s most fertile farm ground. We make both the Postlewait’s & Whiskey Hill labels. Postlewait’s is the name of the Wedding Venue which was established in 2001 & Whiskey Hill Winery is named after the area we’re located in, Whiskey Hill.This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

On this episode of Wine and Dime, we wrap up our monthly topic about estate planning. Kerrie Beene joins me this week as we talk about what to do when you have a blended family. Tune in to learn more!What you'll learn:What to do when you have a blended familyTalking to your Teenage KidsThings to consider when naming your Executor/ix and TrusteeDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Airlie Winery - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Ann Arceo joins us on this episode of Wine and Dime! She is here to talk about how to support your aging parents while living afar. Ann shares some insights into the situation, along with plans, and things to think about. Tune in to learn more!Things you will learn:Helping them make connectionsImportant Estate Planning DocumentsBuilding an Emergency Plan for YouDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Airlie Winery - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Welcome back Wine and Dime listeners. In this episode, Kate Welker is here again to talk about November's topic of Estate Planning! This time, centering around parents with middle school kids. Kate shares her experiences and insights into some of the things you need to be aware of as your children start to get older.What you'll learn:Planning for yourself during those yearsKnowing your state laws around privacy policiesDocuments needed by your 18 year oldDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Airlie Winery - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

On this episode of Wine and Dime, Becky Eason joins us once again. This time to talk about estate planning for new parents. As a soon to be new parent, Becky shares some insights into the topic and some things she learned along the way.In this episode you will learn:Documents to put in place and keep family involved"What-if" talks you should haveFinding a safe place to planDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Airlie Winery - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Welcome back Wine and Dime listeners! This week we welcome back Kerrie Beene. Kerrie is here to share with us some things to be thinking about "If this is your first job". What you will learn:What benefits should you be looking for?What should I be thinking about in the event of a recessionHow to prepare for holiday spendingIdeas around protecting your online presenceDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Pudding River Wine Cellars 2015 Willamette Valley Chardonnay - Toasty, oaky and tropical on the palate laden with pineapple, passion fruit and guava. Rich mid palate but maintains a bright citrus finish.Pudding River Wine Cellars 2015 Walla Walla Valley Syrah Dessert (Port Style) - Leads with complex aromas of roasted coffee bean, mocha, and black pepper that meld seamlessly into flavors of dark chocolate, macerated blackberry and black cherry cordial on the palate with a concentrated earthy, rich finish.Pudding River Wine Cellars Boutique-styled wines from Oregon - Boutique Winery, Vineyard, Tasting Room, Custom Crush We are located in the heart of Oregon’s idyllic east Willamette Valley at the foothills of the Cascade Mountains and about an hour’s drive south from Portland. Once a poultry farm, our property sits along the banks of the Pudding River, a 62-mile tributary in the valley fed from the Cascade Range. We planted our vines in 2004 and yielded our first commercial vintage in 2006. Our dedication to producing world-class wine in the classic Oregon style while using sustainable methods, has been recognized by the Wine Spectator and Wine Enthusiast with a growing accumulation of accolades from wine and food competitions in the region. Recently, our wines scored high marks at the acclaimed San Francisco International Wine Competition.This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Open enrollment month continues this week on Wine and Dime. Ann Arceo is back with us to discuss some benefits that you might be missing out on! Be sure to tune in to find out if there are any benefits that you might have forgotten about.What you'll learn:Review your list of benefitsDon’t set and forgetThink about what next year might bring you and adjust your benefitsDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Airlie Winery - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

It wouldn't be October around here if we weren't talking about Open Enrollment. That's why Becky Eason is back with us on this episode of Wine and Dime! She's here to help you make sure that you aren't leaving any benefits "on the table"! Tune in to learn moreWhat you'll learn:Do you need moreWhere to GoAnalyze if your benefits are enoughDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Airlie Winery - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

We welcome Kate Welker back on this episode of Wine and Dime. It's October, and you know what that means. Time to be thinking about Open Enrollment! And Kate is here to walk us through some things to be thinking about to help you plan for your upcoming open enrollment planning!What you'll learn: What might be available during open enrollmentAnalyzing if your benefits are enoughDo you need more - where to goDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Airlie Winery - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Welcome to this episode of Wine and Dime! Ann Arceo is back with us to discuss Life Insurance. She shares some of her insights and expertise into this topic that you'll want to be sure not to miss!In this episode you will learn:Types of Life InsuranceHow much Life InsuranceTips to Avoid Common MistakesDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!How Much Life Insurance Do I Need? - NerdWalletHanson Vineyards - Small, family-owned winery... You'll meet Jason or Clark behind the bar in the tasting room. We grow the grapes, make the wine... family does it all at Hanson Vineyards. Marlene is around somewhere... most likely in the flower gardens or picking fruit or vegetables in season. Stop by the tasting room sometime! This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Kate Welker is back with us on this episode of Wine and Dime with Amy Irvine. Kate draws on her experience working with her father to share some tips about insurance coverage with us. Tune in and listen to a great conversation that will inform and educate you about your insurance questions. What you'll learn:What types of coverage you should have in your insurance policyDangers of DIYing water, backup, and soot repairsMaking sure your liability coverage covers your riskDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Hanson Vineyards - Small, family-owned winery... You'll meet Jason or Clark behind the bar in the tasting room. We grow the grapes, make the wine... family does it all at Hanson Vineyards. Marlene is around somewhere... most likely in the flower gardens or picking fruit or vegetables in season. Stop by the tasting room sometime! This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Becky Eason is back with us on this week's edition of Wine and Dime. She's here to talk about insurance policies and what you should consider while reviewing them. While this might not be the most captivating topic, it is essential to your financial plan. Becky shares her expertise and some insights on what to be looking for.What you will learnWhat are the different coverage areas of auto insuranceWhat are some ways to saveTips to analyze coverageDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Hanson Vineyards - Small, family-owned winery... You'll meet Jason or Clark behind the bar in the tasting room. We grow the grapes, make the wine... family does it all at Hanson Vineyards. Marlene is around somewhere... most likely in the flower gardens or picking fruit or vegetables in season. Stop by the tasting room sometime! What Issues Should I Consider when Reviewing my Property and Casualty Insurance PoliciesThis episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Ann Arceo joins us on this episode of Wine and Dime! She is here to talk about tax credit, raising kids, and helping parents. What you'll learn:HSA, FSA, Dependent FSA, Limited Purpose FSA's definedWork Opportunities - if one of the family members wants to stay home with the familyCaregiving for Parents: See below for What Issues to Consider for Aging Parents.Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Grandparents helping out with college costs through 529 plans and other savings accounts? That's what we are talking about this week on Wine and Dime. Becky Eason is back with us this week to help us wade through this topic. In this episode you will learn:What are the various savings vehicles for grandparents to save inPros and Cons of different savings typesSuggestions on how to talk to your grandkids about moneyDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

In this episode of Wine and Dime we will be focusing on back-to-school expenses for High School and College Students. Our very own Kerrie Beene has students in those age groups, so I invited her back to talk to us about what she's learned over the years!What you'll learn: Ideas on how to plan for the extra costs of participating in your kids' sporting eventsPreparing for college dorm expensesTalking to your high school and college kids about moneyDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Kate Welker joins us in this episode of Wine and Dime. She shares with us some back-to-school supply buying tips that every parent can appreciate. Tune in to find out some of these budgeting and money saving tips!What you will learn:How to budget for school suppliesHow to budget for back-to-school clothesPut a plan together to deal with the back-to-school flurry of fall activitiesPlanning a mental health moment for parentsHow to incorporate financial lessons and teaching opportunities for your childrenDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.

Jeff Dvorak joins me on this week's episode of Wine and Dime. Jeff shares with us his journey to being a financial planner. From his upbringing to his college days to his career, Jeff offers insights about his life as a financial planner and what drives him to help his clients. Jeff is the owner of 4D Financial Advisors who is an independent, fee-only financial advisory firm for female professional leaders.What will you learn:Jeff's journey to working focusing his work on female financial plannersHow listening can change your perspectiveDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!4D Financial Advisors - JEFF DVORAK, CFP®, CPWA® Throughout my life, I have witnessed powerful, selfless women navigate the stressors of their life effortlessly. Standing on the sidelines, I can’t help but admire the sacrifices they have made to advance their career, raise a family and maintain a semblance of a social life, doing it all with finesse. With my guidance, and through my passion for helping others, I can provide you with a means of finding financial freedom and life balance. ABOUT 4D AS A PROFESSIONAL WOMAN AND LEADER, YOU REGULARLY PRIORITIZE, DELEGATE, AND MANAGE BOTH AT WORK AND AT HOME. YOU KNOW HOW IMPORTANT IT IS TO HAVE A RELIABLE TEAM IN PLACE TO HELP YOU RUN THINGS MORE SMOOTHLY. A TRUSTED FINANCIAL PARTNER IS ONE PIECE OF THAT TEAM, ESPECIALLY ONE WHO KNOWS HOW TO GROW WITH YOU AND YOUR CAREER. THAT'S WHERE 4D COMES IN. WE BRING YEARS OF EXPERIENCE AND PERSPECTIVE TO OUR RELATIONSHIP, AS BOTH FINANCIAL ADVISORS AND PEERS WHO ALSO BALANCE THE WORK/LIFE JOURNEY. THAT'S WHY WE'RE CONFIDENT WE CAN HELP YOU DESIGN THE LIFE YOU WANT TO LIVE. WHO WE ARE: We are an independent, fee-only financial advisory firm for female professional leaders. WHAT WE DO: We make the complex, simple. We put everything into terms you understand and then give you advice, allowing you to make the best choices with all the information you need. WHAT WE STAND FOR: The power of education, the importance of a clear perspective, and the impact of intentional choice. WHY WE ARE DIFFERENT: We truly care about you, not just your finances. We're real people! We have families and strive to help our communities. WHY THAT MATTERS: Owning your decisions today will impact your tomorrow--and will give you confidence in achieving the future you imagine.Kunde Family Winery - Sonoma Estate WineryJacuzzi Wines - DolcettoThis episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit <a href="http://www.rootedpg.com/" rel="noopener noreferrer"...

In this episode of Wine and Dime we wrap up Financial Independence month with our very own Ann Arceo. Ann is here to share her expertise and some things to consider on your path to financial independence.What you will learn:Thinking about the care you wantWorking with a planner to determine the type of “plan” that's best for youImpact of the loved onesDon't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!If you have any questions that you would like answered on the show, feel free to email us at [email protected] visit us at www.rootedpg.com/podcasts for full show notes and links!Long Term Care Cost CalculatorOregon Wine | Oregon Wine Board - A diverse region ripe for adventure. Oregon wears its wild, audacious heart on its sleeve. From coastal mountains to valley slopes to river gorges, once you’re here, there’s no going back without part of its wonder alive inside you.This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.