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Something On My Mind Personal Finance

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Sep 28, 2020

This episode discusses lifestyle creep which is when people spend more because they make more money and do not adjust their budgets to manage their debt and save properly for retirement. 

Coronavirus montage: the snafu with the upcoming election due to the many mail-in election ballots being cast and individual...


Sep 20, 2020

In this episode David and Cindy review a cash out refinance versus a home equity loan versus a home equity line of credit. They also provide an analysis of what may be the best option to use one of these loans and the drawbacks to borrowing the money.

In the Coronavirus montage they discuss the story of a woman who cut...


Sep 14, 2020

This episode reviews how to evaluate debt-to-income ratio (DTI): how to calculate it, what to watch for in your budget, and how it used for evaluation when buying a home.

Next, the interview with Dr. Peter Rork, the co-founder of Dog is MyCoPilot. He created a charity where used his own airplane to fly dogs and cats to...


Sep 6, 2020

This episode reviews the Robinhood online trading platform. From breakdown their pioneering marketing, unusual trading practices and their history of website outages causing some traders to lose large amounts money.

Coronavirus montage: what are the common words and phrases that people say incorrectly and the story of a...