Financial Freedom Podcast Steven J. Richardson, Esq.

Eliminating debt is one of the first steps on the path to financial freedom. Controlling your living expenses and spending within your means allows you to work towards short and longterm savings goals.
But that's not always easy while raising a family. That's why in this episode of the podcast I talk with Brad Nelson, the Debt-Free Dad, to talk about how it can be done!
In this episode you will learn:
- Budgeting Tips for Beginners
- How to Improve Your Financial Habits
- How to Reduce Impulsive & Wasteful Spending
- How to Talk About Money in a Relationship
- The Best Method to Pay Off Debt

As a bankruptcy attorney, I help lots of people to save their homes from foreclosure by filing a chapter 13 bankruptcy to make catch-up payments on their mortgage. But there are other ways to do it.
That's why in this episode of the podcast I talk to DJ Olojo about how he helps people to save their homes without filing bankruptcy.
In this episode you will learn:
- Telling Foreclosure Myth from Fact
- About the Mortgage Bank's Foreclosure Playbook
- Foreclosure Prevention Tactics
- The 12 Step Program to Save Your Home

There are many ways to save and invest for retirement (or just to build wealth) and most are recommended by traditional financial advisers. But sometimes it's a good idea to explore some non-traditional ways to do it that might be better suited to your situation.
That's why in this episode of the podcast I talk to Chris Miles, a self-described anti-financial advisor who walks that road less traveled with his clients to help them reach their own financial freedom.
In this episode you will learn:
- What an Anti-Financial Advisor Is
- Why You Need to "Get Your Money Out of Prison"
- How Passive Income Can Help Build Wealth
- How to Come Up with Money to Invest

The student loan crisis has made parents and students more cautious when it comes to taking out student loans. But even then, the average student debt is $30,000, which is a lot to owe fresh out of college with no job.
But what if you could graduate debt free and into a job you love? To answer that question I talked with academic strategist Jeannie Burlowski on how it can be done!
In this episode you will learn:
- Strategies for when you're not in a position to save money
- How to leverage more need-based aid from schools
- How private schools can be a better deal than state ones
- Talking to teens about career goals before they apply

Achieving financial freedom means getting your personal finances in order, so that you are living within your means and have money at the end of the month. But to have true financial freedom long term, with long term goals like retirement, you have to have a financial plan.
That's why in this episode of the podcast I talk with fellow personal finance podcaster Curtis May on attaining what he calls Practical Wealth.
In this episode you will learn about:
- Practical Wealth
- Cash Flow Mapping
- Accumulation Theory
- Velocity of Money Strategy
- Privatized Banking

Stocks are a key part of any retirement savings portfolio. Their potential to grow over the course of your working life with a rate of return, despite ups and downs, that can't be beat by CDs or a savings account.
But bonds are also important to a well balanced portfolio. To find out the particulars in this episode of the podcast, I bring back Certified Financial Planner Michael Karwic for a talk on bonds and how they can be key to a successful retirement. 
In this episode you will learn:
- What Kinds of Bonds There Are
- How Bonds Balance Risk Tolerance
- About the Tax Advantages of Certain Bonds
- How Interest Rates Can Vary on Bonds