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Retirement rules are changing, and what you don't know can derail your financial future. In this episode, Marie-Jo Caesar explores how legislative shifts like the Secure 2.0 Act and updated IRS guidance are reshaping retirement planning—from 401(k) access to alternative investments.

But retirement planning isn't just about regulations. Marie-Jo addresses the real-life pressures that influence your choices: housing affordability, family responsibilities, and the emotional pull to act quickly when uncertainty rises. You'll learn why clarity and coherence matter more than speed, and how to build a resilient strategy that withstands shifting rules and life's unpredictability.

Retirement planning is deeply personal. This episode helps you align your financial choices with the future you want to protect. Plan with purpose, not panic.

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Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/@merginglifeandmoney
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fmtq/take-the-quiz to take the "Discover Your Financial Mindset Type” Quiz, so you can start taking control of your financial destiny and transform your financial identity.

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 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:
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Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/@merginglifeandmoney
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fmtq/take-the-quiz to take the "Discover Your Financial Mindset Type” Quiz, so you can start taking control of your financial destiny and transform your financial identity.

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

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Connect with me:
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Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/@merginglifeandmoney
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fmtq/take-the-quiz to take the "Discover Your Financial Mindset Type” Quiz, so you can start taking control of your financial destiny and transform your financial identity.

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!

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Connect with me:
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Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/@merginglifeandmoney
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fmtq/take-the-quiz to take the "Discover Your Financial Mindset Type” Quiz, so you can start taking control of your financial destiny and transform your financial identity.

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

Welcome to the SHIFT SHOW with M&M, a special series within the Merging Life and Money podcast where we explore powerful shifts in mindset, career, and money for holistic wellness.

In this first episode, I sit down with Meghan Stockman, retired Air Force Major, former Space Weather Forecaster for NOAA, transformational coach, and CEO of KidSpace, Inc., a STEM-powered indoor playground for children in Denver.

Meghan shares her journey of an unexpected layoff during her federal probationary period and how she turned this crisis of identity and stability into an opportunity for purposeful reinvention.

We discuss:

• The emotional and mental impact of sudden job loss and how to process it
• The first practical and mindset steps to regain control after a layoff
• How to plant the seeds for a new life chapter rooted in clarity, courage, and confidence

Her story is a powerful reminder that reinvention is not about becoming someone new, but remembering who you truly are.

If you have ever built your life around your job, title, or service only to have it pulled out from under you, this conversation will speak to your heart – and your future.

✨ Quote of the episode:
“Sometimes when you're in a dark place, you think you’ve been buried—but you’ve actually been planted.” – Christine Caine

🎧 Listen now to feel inspired, grounded, and ready to rise.

💡 Call to Action
If this episode resonated with you, please subscribe, leave a review, and share it with someone who needs encouragement today.

To learn more about holistic financial wellness and mindset shifts, visit www.mariejocaesar.com.

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Connect with me:
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Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/@merginglifeandmoney
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fmtq/take-the-quiz to take the "Discover Your Financial Mindset Type” Quiz, so you can start taking control of your financial destiny and transform your financial identity.

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

Despite controlling $31.8 trillion in global wealth, women still earn less, save less, and invest less. In this episode, I break down why—and what we can do about it.

Discover how AI-powered tools, financial literacy, and confidence-building strategies are helping women close the wealth gap, take control of their money, and build lasting financial independence.

💡 What You'll Learn:
• The real financial barriers women face
• How AI simplifies budgeting, saving & investing
• Tools to eliminate debt & negotiate your worth
• Confidence strategies that actually work
• The power of mentorship & money conversations

01:18 Revolutionizing Finance with AI

04:17 Financial Literacy for Empowerment

12:02 Financial Discrimination and Wealth Barriers

19:49 Building Women's Confidence

22:14 AI's Role in Boosting Confidence

29:20 Mentorship and Community Power

36:33 AI in Investing: Overcoming Barriers

46:10 Action Steps for Financial Focus

Download The Savvy Woman's Investment Roadmap https://bit.ly/42SAxOF

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Connect with me:
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Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/@merginglifeandmoney
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fmtq/take-the-quiz to take the "Discover Your Financial Mindset Type” Quiz, so you can start taking control of your financial destiny and transform your financial identity.

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

In this inspiring episode, host Marie-Jo Caesar addresses the unique entrepreneurial journey of Black business pioneers, exploring how their resilience, innovation, and commitment to community laid the groundwork for modern wealth-building. Against the backdrop of mass layoffs and economic uncertainty, Marie-Jo challenges listeners to think beyond traditional job security and consider entrepreneurship as a path to lasting impact and generational wealth.

In this inspiring episode, host Marie-Jo Caesar talks about the unique entrepreneurial journey of Black business pioneers, exploring how their resilience, innovation, and commitment to community laid the groundwork for modern wealth-building. Against the backdrop of mass layoffs and economic uncertainty, Marie-Jo challenges listeners to think beyond traditional job security and consider entrepreneurship as a path to lasting impact and generational wealth.

Key Points

00:00 Empowerment Through Black Entrepreneurship

03:05 Annie Malone: Pioneering Black Millionaire

06:46 Repurposing Job Skills for Entrepreneurship

12:36 Building Success Through Community Networks

16:06 Modern Sustainable Business Ecosystems

20:29 Strategic Planning for Diverse Revenue

22:53 Building Resilient Business Foundations

26:57 Enhancing Success Through Community & Finance

28:03 Legacy and Innovation in Business

32:45 Empowering Black Entrepreneurs with Tech

36:59 Building Financial Resilience and Legacy

40:53 Empowering Black Entrepreneurs Today

41:59 Black Labor Unions' Impact

Make sure to 📥 your FREE Business Transition Planning Guide → https://bit.ly/3Rnglz5

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Connect with me:
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Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/@merginglifeandmoney
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fmtq/take-the-quiz to take the "Discover Your Financial Mindset Type” Quiz, so you can start taking control of your financial destiny and transform your financial identity.

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

Powerful Wealth Lessons from Black History: Merging Life and Money

Join me as I talk about powerful wealth-building lessons from history, featuring the resilience and success of Black entrepreneurs like Madame C.J. Walker and the community-driven prosperity of Black Wall Street.

Learn how to apply these timeless principles to your own financial journey, with practical strategies for resilience, persistence, and strategic adaptability.

Discover a goal achievement framework to keep you on track for financial success in 2025.

Don't miss this enriching episode as we celebrate Black History Month and look forward to a prosperous future.

3 Main Points

✅ Tools for Financial Success Inspired by Black History

✅ Framework for Achieving Financial Goals

✅ Community-Driven Success and Networking

🕒 KEY MOMENTS IN THIS EPISODE

00:00 Introduction: Setting the Stage for Financial Success

00:39 Honoring Black History Month: Wealth-Building Lessons

01:35 Madame C.J. Walker: A Masterclass in Resilience

02:20 Applying Historical Lessons to Modern Financial Goals

05:59 The Psychology of Persistence: Overcoming Financial Obstacles

10:30 Building Resilience in Today's Business Landscape

13:13 The Power of Sustainable Systems for Long-Term Growth

21:12 Black Wall Street: A Blueprint for Community-Driven Success

31:07 Creating a Goal Achievement Framework for 2025

38:14 Conclusion: Taking Action for a Financial Legacy

Support the show

Connect with me:
Instagram: https://www.instagram.com/thefinanciologist/
Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/@merginglifeandmoney
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fmtq/take-the-quiz to take the "Discover Your Financial Mindset Type” Quiz, so you can start taking control of your financial destiny and transform your financial identity.

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.