Eight real questions from listeners, answered straight. This week Jorge covers when to invest a lump sum versus dollar-cost averaging, whether a $10,000 certification actually pays off (and why learning AI might matter more), how to have the money conversation with aging parents, the trap of panic-selling, target-date funds, balancing living now with saving for later, and how to handle money when you get married.

In this episode:

• Lump sum vs. dollar-cost averaging

• Roth IRA vs. a bigger down payment

• Talking to your parents about their retirement

• Is that $10K certification worth it?

• What target-date funds are really doing

• Spending now vs. saving in your 20s

• Why panic-selling guarantees your losses• Combining finances after "I do"

Got a question for a future episode? Email Jorge at jorge@vimwealthmanagement.com.

Hosted by Jorge Tijerino, Chief Investment Officer at VIM Wealth Management.

Disclosure: For educational and informational purposes only — not personalized investment advice. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. VIM Wealth Management is an SEC-registered investment advisor. Consult a qualified professional for your situation.

Stop wondering if you're "on track" and start building a roadmap that actually fits your life. In this episode, host George Chirino breaks down the critical difference between average and median wealth, why your retirement date shouldn't be a guessing game, and how to balance the "sandwich generation" pressure of funding college while supporting aging parents—all while proving that financial freedom is about your personal goals, not keeping up with the Joneses.

Seven real questions, straight answers. On this episode: how to allocate a big raise before lifestyle creep takes over, what to do with $1,200 of monthly surplus when you're 27, why the whole life insurance policy your bank pitched you is almost certainly not the right product, how to build a budget that doesn't require willpower to maintain, what financial moves to make when layoffs are announced before anything happens, what it means when your financial advisor goes silent for 8 months, and how to deploy a $50K inheritance without panic or impulse.

If any of this hit close to home, book a call at www.tidycal.com/jorgetijerino

The content on this show is for educational and informational purposes only and should not be considered personalized investment advice or a recommendation to buy or sell any securities. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. VIM Wealth Management is a registered investment advisor with the SEC. For guidance specific to your situation, consult a qualified financial professional.