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Unlocking Retirement Security with Steve Selengut: Income Independence Strategies

In this episode of the Merging Life and Money Show, host Marie-Jo Caesar welcomes special guest Steve Selengut, a bestselling author and investment advisor with over 40 years of experience. Steve shares his unique approach to retirement planning, focusing on generating reliable income without selling investments—a strategy effective in both rising and falling markets. The discussion covers essential topics such as the concept of income independence, risk minimizers, portfolio management, and the critical importance of diversification. Steve also compares portfolio management to running a department store, emphasizing the need for quality, diversification, and profit-taking. This episode provides valuable insights for anyone aiming to achieve financial security and peace of mind in retirement.

3 Main Points

✅ Income Independence Focus:

Steve Selengut highlights the importance of generating a steady income stream for retirement, ensuring financial security despite market changes, rather than solely accumulating wealth

✅ Four Financial Risk Minimizers:

Steve identifies four key strategies to reduce financial risk—quality, diversification, income, and profit-taking—essential for protecting investments and maintaining stability, especially for retirees.

✅ The Department Store Analogy:

Steve likens portfolio management to a department store, emphasizing the importance of diversification and inventory management to spread risk and consistently secure profits.

🕒 KEY MOMENTS IN THIS EPISODE

00:00 – Special Guest Introduction

01:59 - Income Independence vs Wealth Accumulation

07:58 - The 4 Great Financial Risk Minimizers

17:40 - Implementing Risk Minimizers for Average Investors

20:54 - Risk Minimizers Across Different Life Stages

23:31 - Adjusting Financial Thinking in Today's Economy

25:21 - The Department Store Analogy

27:30 - Inventory Management Strategies

30:50 - Restocking Techniques

32:40 - Importance of Diversification

35:00 - Tenant Selection Best Practices

41:54 - Achieving Income Independence

47:10 - Understanding the 4% Rule

52:30 - Steps to Achieve Income Independence

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Connect with me:
Instagram: https://www.instagram.com/the_financiologist_mjcaesar/
Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/channel/UCDOmx_ThReq0hAC3acvMQ9g
Twitter: https://www.twitter.com/https://twitter.com/mariejocaesar
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.

Send us a text

Unlocking Wealth: The Infinite Banking Concept Explained | Merging Life and Money Show

Join host Marie Jo Caesar as she welcomes the Dew brothers, Jonah and Jeremiah, to the Merging Life and Money Show. Known for their expertise in the Infinite Banking Concept (IBC). They break down complex financial strategies into easily digestible steps.

Discover how high cash value whole life insurance can serve as a private banking system to build generational wealth. Learn about financial management, the importance of stewardship, and actionable insights to transform your financial future.

3 Main Points

✅ Wealth Building and Stewardship

✅ Financial Management and Cash Flow

✅Infinite Banking Concept (IBC)

🕒 KEY MOMENTS IN THIS EPISODE

00:00 Welcome and Guest Introduction

02:55 Core Values: Stewardship and Wealth Building

05:48 Key Decisions for Financial Growth

09:18 Complementary Skills in Wealth Building

13:01 Misconceptions About Generational Wealth

17:40 Debt Reduction Journey

21:41 Common Financial Management Mistakes

27:04 Impact of Fatherhood on Financial Planning

33:05 Success Stories and Financial Education

38:25 Introduction to the Save and Spend System

38:36 Understanding Infinite Banking

39:32 The Three Cup Setup Explained

41:13 Financial Literacy vs. Financial Education

42:54 Discovering the Infinite Banking Concept

46:08 Simplifying Infinite Banking for Others

50:00 How High Cash Value Whole Life Insurance Works

01:00:28 Underwriting and Long-Term Commitment

01:06:50 Common Objections and Misconceptions

01:10:36 Future of Infinite Banking

01:13:08 Final Thoughts and How to Connect

Support the show

Connect with me:
Instagram: https://www.instagram.com/the_financiologist_mjcaesar/
Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/channel/UCDOmx_ThReq0hAC3acvMQ9g
Twitter: https://www.twitter.com/https://twitter.com/mariejocaesar
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.

Send us a text

Laid off and feeling unsure about what to do next? Don't worry, this is your step-by-step guide to regain control of your finances and move forward with confidence!

In this empowering episode of *The Shift Show with M&M*, financial wellness strategist Mary Jo Caesar shares expert advice on how to manage your money after a layoff and transform this challenge into an opportunity for growth. Whether you’re navigating the aftermath of the 2025 federal terminations or any unexpected job loss, this episode is your ultimate financial first aid kit. Here's what you'll learn:

- Stabilize Before Strategizing: Learn the first steps to take within 72 hours of a layoff, including gathering crucial documents like your separation letter and benefits information.

- Cash Flow CPR: Discover how to create a survival budget that focuses on essentials while avoiding a scarcity mindset. Mary Jo explains her 30/60/90-day framework to stretch your finances strategically.

- Prepare for What’s Next: Shift from survival mode to rebuilding mode with actionable steps to future-proof your finances, diversify income streams, and set intentional financial goals.

This conversation blends practical money management strategies with mindset coaching to help you tackle life’s curveballs. Y

ou’ll gain insights into:

- Emotional resilience and how to process the news of a layoff.

- The importance of mapping out available resources (employer benefits, government programs, and more).

- Tools and apps to track cash flow and stay organized during financial transitions.

Take Control of Your Financial Future

Your financial situation doesn’t define your worth! With the right tools and mindset, you can rebuild stronger than ever. Marie-Jo’s expert tips on financial literacy and empowerment will help you navigate this season with clarity and purpose.

Pro Tip: Financial resilience is about more than just numbers—it’s about cultivating a growth mindset and seeing this as an opportunity to realign with your values and goals.

Your title may change, but your value doesn’t. Keep moving forward—you’ve got this!

Support the show

Connect with me:
Instagram: https://www.instagram.com/the_financiologist_mjcaesar/
Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/channel/UCDOmx_ThReq0hAC3acvMQ9g
Twitter: https://www.twitter.com/https://twitter.com/mariejocaesar
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.