Episodes

  • Insurance & Money Podcast Episode 32

    Insurance & Money Podcast Episode 32
    May 27 2026
    Today’s topic: “Why Financial Literacy Isn’t Taught in Schools” Millions of people graduate high school understanding algebra formulas… but never learn: • How taxes work • How credit works • How insurance works • How investing works • How mortgages work • How retirement planning works • Or how debt can financially trap families for decades In this episode, we discuss why financial education is often missing from traditional school systems and how that knowledge gap affects everyday Americans financially.
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    19 mins
  • Insurance and Money Podcast Episode 31

    Insurance and Money Podcast Episode 31
    May 20 2026
    “Trusts, Asset Protection & Financial Privacy: What You Need to Know Legally” In this educational episode, we break down how trusts work, why wealthy families use them, and how proper estate planning can help protect assets legally. We discuss: • What a trust is • Revocable vs irrevocable trusts • Asset protection strategies • Probate avoidance • Financial privacy vs illegal concealment • How trust distributions & withdrawals work • Common trust mistakes • How life insurance fits into estate planning • Why timing and legal structure matter
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    18 mins
  • Insurance & Money Podcast - Episode 30

    Insurance & Money Podcast - Episode 30
    May 6 2026
    In this episode of the Insurance & Money Podcast, host Karla Howard dives into one of the most overlooked but crucial financial tools—disability insurance. Learn why this coverage is often skipped, how it protects your greatest asset (your income), and what to know about short-term vs. long-term policies. Karla explains how disability can quietly derail financial stability, who needs it most, and what smart buyers look for in a policy. If you rely on a paycheck to fund your life, this episode shows why protecting it should be a top priority.
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    14 mins
  • Insurance and Money Podcast Episode 29

    Insurance and Money Podcast Episode 29
    Apr 29 2026
    Why Cheap Insurance Can Cost You More Long-Term
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    14 mins
  • Insurance and Money Podcast Episode 28

    Insurance and Money Podcast Episode 28
    Apr 22 2026
    Why Some Millionaires Still Buy Life Insurance
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    10 mins
  • Insurance & Money Podcast 27.2

    Insurance & Money Podcast 27.2
    Apr 8 2026
    In this episode, we break down the difference between income and net worth, why both matter, and how misunderstanding this relationship can create major problems in retirement planning.
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    13 mins
  • Insurance and Money Podcast Episode 26.2

    Insurance and Money Podcast Episode 26.2
    Mar 31 2026
    Advanced Retirement Tax Strategies: How the Wealthy Control Taxes Without Breaking the Rules
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    17 mins
  • Insurance and Money Podcast Episode 25

    Insurance and Money Podcast Episode 25
    Mar 5 2026
    Insurance and Money Podcast Episode 25 by Karla Howard
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    19 mins