Savings and Sense https://Savingsandsense.podbean.com Each week, Logan Gilland, CFP® with Joule Financial, welcomes experts to discuss the markets, economy, and smart financial planning. Whether it’s Allie Howard, CPA, Daniel Czulno, CFP®, Quint Tatro with 25+ years of market experience, or another trusted voice, the team breaks down taxes, planning strategies, and what’s happening with your money.

Joule Financial, LLC is registered as an investment adviser with the Securities Exchange Commission. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability.

All content on this radio broadcast is for informational purposes only. Opinions expressed herein are solely those of Joule Financial, LLC and our staff. All information and ideas should be discussed in detail with your financial advisor prior to implementation. It does not involve the rendering of personalized investment advice, nor should it be viewed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities discussed.

Please note that neither Joule Financial, LLC nor any of its agents give legal or tax advice. The firm is not engaged in the practice of law or accounting.  All investment strategies have the potential for profit or loss, and past performance is not indicative of future results.

]]> Sun, 07 Jun 2026 08:00:00 -0400 https://podbean.com/?v=5.5 en Copyright 2025 All rights reserved. Education 1440 episodic Logan Gilland Logan Gilland No false https://pbcdn1.podbean.com/imglogo/image-logo/21613433/S_S_1_8z0dg.png Savings and Sense https://Savingsandsense.podbean.com 144 144 Your Retirement Number Might Not Be What You Think Your Retirement Number Might Not Be What You Think https://Savingsandsense.podbean.com/e/your-retirement-number-might-not-be-what-you-think/ https://Savingsandsense.podbean.com/e/your-retirement-number-might-not-be-what-you-think/#comments Sun, 07 Jun 2026 08:00:00 -0400 Savingsandsense.podbean.com/4a1216ea-09b0-33e2-9f6d-b924d14bb286 Allie Howard and Katelyn Felker break down the idea of “what is your number” and why retirement planning is about much more than hitting a dollar amount. They walk through how spending, lifestyle goals, healthcare, taxes, and income sources like Social Security all shape what retirement actually requires. The conversation highlights why two people with the same savings could have very different outcomes and encourages listeners to think beyond a target number and instead build a plan that supports the life they want to live.

]]> Allie Howard and Katelyn Felker break down the idea of “what is your number” and why retirement planning is about much more than hitting a dollar amount. They walk through how spending, lifestyle goals, healthcare, taxes, and income sources like Social Security all shape what retirement actually requires. The conversation highlights why two people with the same savings could have very different outcomes and encourages listeners to think beyond a target number and instead build a plan that supports the life they want to live.

]]> Logan Gilland false No 1800 40 full The Financial Mistakes That Sneak Up Each Decade The Financial Mistakes That Sneak Up Each Decade https://Savingsandsense.podbean.com/e/the-financial-mistakes-that-sneak-up-each-decade/ https://Savingsandsense.podbean.com/e/the-financial-mistakes-that-sneak-up-each-decade/#comments Sun, 31 May 2026 08:00:00 -0400 Savingsandsense.podbean.com/279365a9-c738-351c-91be-777446d17ff3 Logan Gilland and Allie Howard walk through the most common financial missteps they see from clients in their 20s through retirement. They cover everything from failing to build saving habits early on, to normalizing debt in your 30s, chasing returns in your 40s, missing tax strategies in your 50s, and treating retirement like a finish line instead of an ongoing plan. The conversation highlights how disciplined habits, thoughtful planning, and awareness at each stage can help avoid costly mistakes and build long term financial success.

]]> Logan Gilland and Allie Howard walk through the most common financial missteps they see from clients in their 20s through retirement. They cover everything from failing to build saving habits early on, to normalizing debt in your 30s, chasing returns in your 40s, missing tax strategies in your 50s, and treating retirement like a finish line instead of an ongoing plan. The conversation highlights how disciplined habits, thoughtful planning, and awareness at each stage can help avoid costly mistakes and build long term financial success.

]]> Logan Gilland false No 1800 39 full Medicare Without the Confusion Medicare Without the Confusion https://Savingsandsense.podbean.com/e/medicare-without-the-confusion/ https://Savingsandsense.podbean.com/e/medicare-without-the-confusion/#comments Sun, 24 May 2026 08:00:00 -0400 Savingsandsense.podbean.com/5269db36-4962-3691-8a2f-7e5558049b66 Logan Gilland and Allie Howard break down the key pieces of Medicare and what you actually need to know as you approach age 65. They walk through Parts A, B, C, and D, explain common mistakes around enrollment timing, and highlight how supplemental coverage and income based adjustments can impact your costs. The conversation focuses on simplifying a complex system and helping listeners make informed decisions that fit into a broader retirement plan.

]]> Logan Gilland and Allie Howard break down the key pieces of Medicare and what you actually need to know as you approach age 65. They walk through Parts A, B, C, and D, explain common mistakes around enrollment timing, and highlight how supplemental coverage and income based adjustments can impact your costs. The conversation focuses on simplifying a complex system and helping listeners make informed decisions that fit into a broader retirement plan.

]]> Logan Gilland false No 1800 38 full The One Financial Habit That Keeps You Out of Trouble The One Financial Habit That Keeps You Out of Trouble https://Savingsandsense.podbean.com/e/the-one-financial-habit-that-keeps-you-out-of-trouble/ https://Savingsandsense.podbean.com/e/the-one-financial-habit-that-keeps-you-out-of-trouble/#comments Sun, 17 May 2026 08:00:00 -0400 Savingsandsense.podbean.com/07a2dde1-205c-39bb-8fee-124c2b4223f6 Allie Howard and Kaitlyn Felker walk through one of the most important starting points in any financial plan: building and maintaining an emergency fund. They explain why liquidity matters even when markets are performing well, how to think about three to six months of expenses, and why having accessible cash can prevent costly financial decisions. The episode highlights how small planning habits create stability, flexibility, and peace of mind, especially during uncertain market environments.

]]> Allie Howard and Kaitlyn Felker walk through one of the most important starting points in any financial plan: building and maintaining an emergency fund. They explain why liquidity matters even when markets are performing well, how to think about three to six months of expenses, and why having accessible cash can prevent costly financial decisions. The episode highlights how small planning habits create stability, flexibility, and peace of mind, especially during uncertain market environments.

]]> Logan Gilland false No 1800 37 full Back to Basics: Investment Allocation for Retirement Back to Basics: Investment Allocation for Retirement https://Savingsandsense.podbean.com/e/back-to-basics-investment-allocation-for-retirement/ https://Savingsandsense.podbean.com/e/back-to-basics-investment-allocation-for-retirement/#comments Sun, 10 May 2026 08:00:00 -0400 Savingsandsense.podbean.com/444cc9cb-22bf-35fa-99c5-bfb9fb382635 Logan Gilland and Allie Howard discuss another volatile week in the markets, including the impact of rising oil prices, Iran tensions, consumer sentiment data, jobs reports, and what the Fed may do next with interest rates. Then they dive into one of the most important retirement planning decisions: investment allocation. They break down how advisors determine the right mix of stocks and bonds, why risk tolerance matters, how retirement goals shape portfolio strategy, and the mistakes investors make when emotions drive financial decisions.

]]> Logan Gilland and Allie Howard discuss another volatile week in the markets, including the impact of rising oil prices, Iran tensions, consumer sentiment data, jobs reports, and what the Fed may do next with interest rates. Then they dive into one of the most important retirement planning decisions: investment allocation. They break down how advisors determine the right mix of stocks and bonds, why risk tolerance matters, how retirement goals shape portfolio strategy, and the mistakes investors make when emotions drive financial decisions.

]]> Logan Gilland false No 1800 36 full Back to Basics: Estate Planning Essentials Back to Basics: Estate Planning Essentials https://Savingsandsense.podbean.com/e/back-to-basics-estate-planning-essentials/ https://Savingsandsense.podbean.com/e/back-to-basics-estate-planning-essentials/#comments Sun, 03 May 2026 08:00:00 -0400 Savingsandsense.podbean.com/1dd303b2-8c3d-33b0-9a3d-535b3c1ec844 Logan Gilland and Katelyn Felker break down another busy week in the markets, including Magnificent Seven earnings, AI competition heating up, interest rate developments from the Fed, and ongoing oil market tensions. Then they shift into one of the most important financial planning basics: estate planning. From wills and powers of attorney to beneficiary designations and trusts, they explain the key documents every family should understand and the costly mistakes that can happen when plans are outdated or incomplete.

]]> Logan Gilland and Katelyn Felker break down another busy week in the markets, including Magnificent Seven earnings, AI competition heating up, interest rate developments from the Fed, and ongoing oil market tensions. Then they shift into one of the most important financial planning basics: estate planning. From wills and powers of attorney to beneficiary designations and trusts, they explain the key documents every family should understand and the costly mistakes that can happen when plans are outdated or incomplete.

]]> Logan Gilland false No 1800 35 full Back to Basics: Turning Your Savings Into a Retirement Paycheck Back to Basics: Turning Your Savings Into a Retirement Paycheck https://Savingsandsense.podbean.com/e/back-to-basics-turning-your-savings-into-a-retirement-paycheck/ https://Savingsandsense.podbean.com/e/back-to-basics-turning-your-savings-into-a-retirement-paycheck/#comments Sun, 26 Apr 2026 08:00:00 -0400 Savingsandsense.podbean.com/d41e5192-5600-3d6c-9d83-032ec509a97d Logan Gilland and Andy Durant continue the Back to the Basics series by breaking down how retirees turn accumulated savings into sustainable income. They walk through common distribution strategies, explain the differences between brokerage accounts, traditional retirement accounts, and Roth accounts, and highlight why flexibility and tax planning matter most in the early years of retirement. The conversation focuses on building a clear withdrawal plan that balances income needs, tax efficiency, and long term security so retirees can spend confidently without losing sleep over market volatility.

]]> Logan Gilland and Andy Durant continue the Back to the Basics series by breaking down how retirees turn accumulated savings into sustainable income. They walk through common distribution strategies, explain the differences between brokerage accounts, traditional retirement accounts, and Roth accounts, and highlight why flexibility and tax planning matter most in the early years of retirement. The conversation focuses on building a clear withdrawal plan that balances income needs, tax efficiency, and long term security so retirees can spend confidently without losing sleep over market volatility.

]]> Logan Gilland false No 1800 34 full Back to Basics: Making Sense of Social Security Back to Basics: Making Sense of Social Security https://Savingsandsense.podbean.com/e/making-sense-of-social-security/ https://Savingsandsense.podbean.com/e/making-sense-of-social-security/#comments Sun, 19 Apr 2026 08:00:00 -0400 Savingsandsense.podbean.com/1a7e3bce-7c8d-3722-a6ad-2b0929eec89e Logan Gilland and Allie Howard continue their Back to the Basics series by walking through key Social Security planning considerations for those approaching or already in retirement. They cover when to file, how longevity affects claiming decisions, how taxes and continued work can impact benefits, and why spousal strategies matter. The discussion emphasizes using Social Security as part of a broader retirement plan, focusing on timing, coordination with other income sources, and making informed choices that support long term financial stability.

]]> Logan Gilland and Allie Howard continue their Back to the Basics series by walking through key Social Security planning considerations for those approaching or already in retirement. They cover when to file, how longevity affects claiming decisions, how taxes and continued work can impact benefits, and why spousal strategies matter. The discussion emphasizes using Social Security as part of a broader retirement plan, focusing on timing, coordination with other income sources, and making informed choices that support long term financial stability.

]]> Logan Gilland false No 1800 33 full Back to Basics: Planning Through Retirement Back to Basics: Planning Through Retirement https://Savingsandsense.podbean.com/e/back-to-basics-planning-through-retirement/ https://Savingsandsense.podbean.com/e/back-to-basics-planning-through-retirement/#comments Sun, 12 Apr 2026 08:00:00 -0400 Savingsandsense.podbean.com/6eb48dde-9e18-310a-82dc-d4b54528fef9 Logan Gilland and Allie Howard return to the core purpose of financial planning and walk through what it really means to plan through retirement, not just to it. They break down foundational concepts including risk tolerance, using money as a tool rather than a scoreboard, and why retirement planning should be driven by goals and lifestyle design instead of account balances. The conversation emphasizes aligning investments with long time horizons, building a plan that can withstand volatility, and intentionally defining what retirement looks like before stepping away from work.

]]> Logan Gilland and Allie Howard return to the core purpose of financial planning and walk through what it really means to plan through retirement, not just to it. They break down foundational concepts including risk tolerance, using money as a tool rather than a scoreboard, and why retirement planning should be driven by goals and lifestyle design instead of account balances. The conversation emphasizes aligning investments with long time horizons, building a plan that can withstand volatility, and intentionally defining what retirement looks like before stepping away from work.

]]> Logan Gilland false No 1800 32 full Your Timeline Drives Your Financial Decisions Your Timeline Drives Your Financial Decisions https://Savingsandsense.podbean.com/e/your-timeline-drives-your-financial-decisions/ https://Savingsandsense.podbean.com/e/your-timeline-drives-your-financial-decisions/#comments Sun, 05 Apr 2026 08:00:00 -0400 Savingsandsense.podbean.com/e2685b30-60a2-3269-85c9-254f48d30f36 Logan Gilland false No 1800 31 full Why Spending Matters More Than Markets in Retirement Why Spending Matters More Than Markets in Retirement https://Savingsandsense.podbean.com/e/why-spending-matters-more-than-markets-in-retirement/ https://Savingsandsense.podbean.com/e/why-spending-matters-more-than-markets-in-retirement/#comments Sun, 29 Mar 2026 08:00:00 -0400 Savingsandsense.podbean.com/249bb73b-41cb-3334-a6af-875f6bf38161 Logan Gilland and Katelyn Felker focus on one of the most influential pieces of a successful retirement plan: understanding and managing expenses. They explain why monthly spending often has a greater impact on long term outcomes than market performance, how small changes compound over time, and why clarity around cash flow brings confidence during retirement. The conversation also covers the psychological shift from saving to spending, how retirees receive income from their accounts, and why having a disciplined expense plan can help protect against volatility and uncertainty.

]]> Logan Gilland and Katelyn Felker focus on one of the most influential pieces of a successful retirement plan: understanding and managing expenses. They explain why monthly spending often has a greater impact on long term outcomes than market performance, how small changes compound over time, and why clarity around cash flow brings confidence during retirement. The conversation also covers the psychological shift from saving to spending, how retirees receive income from their accounts, and why having a disciplined expense plan can help protect against volatility and uncertainty.

]]> Logan Gilland false No 1800 30 full The Value of a Clear Financial Game Plan The Value of a Clear Financial Game Plan https://Savingsandsense.podbean.com/e/the-value-of-a-clear-financial-game-plan/ https://Savingsandsense.podbean.com/e/the-value-of-a-clear-financial-game-plan/#comments Sun, 22 Mar 2026 08:00:00 -0400 Savingsandsense.podbean.com/3f7758c5-9d44-3a44-a1d4-e8a5d23b2435 Allie Howard and Daniel Czulno focus on the importance of having a well built financial plan that can hold up through uncertainty and change. Rather than reacting to short term swings, they discuss how perspective, diversification, and stress testing help investors stay aligned with long term goals. Using relatable analogies, the conversation highlights why preparation, discipline, and intentional planning are essential to making confident financial decisions over time.

]]> Allie Howard and Daniel Czulno focus on the importance of having a well built financial plan that can hold up through uncertainty and change. Rather than reacting to short term swings, they discuss how perspective, diversification, and stress testing help investors stay aligned with long term goals. Using relatable analogies, the conversation highlights why preparation, discipline, and intentional planning are essential to making confident financial decisions over time.

]]> Logan Gilland false No 1800 29 full Planning Anchors When Markets Get Loud Planning Anchors When Markets Get Loud https://Savingsandsense.podbean.com/e/planning-anchors-when-markets-get-loud/ https://Savingsandsense.podbean.com/e/planning-anchors-when-markets-get-loud/#comments Sun, 15 Mar 2026 08:00:00 -0400 Savingsandsense.podbean.com/9c7a27bf-1b75-3001-a5b1-576fb94fd09b Logan Gilland and Allie Howard walk through how disciplined financial planning helps investors stay grounded during periods of volatility. While they touch briefly on rising oil prices, geopolitical tension, and shifting economic data, the focus remains on what individuals can control, including portfolio allocation, risk management, and long term decision making. The episode closes with a practical planning discussion on required minimum distributions and how qualified charitable distributions can reduce taxes for retirees who are already giving.

]]> Logan Gilland and Allie Howard walk through how disciplined financial planning helps investors stay grounded during periods of volatility. While they touch briefly on rising oil prices, geopolitical tension, and shifting economic data, the focus remains on what individuals can control, including portfolio allocation, risk management, and long term decision making. The episode closes with a practical planning discussion on required minimum distributions and how qualified charitable distributions can reduce taxes for retirees who are already giving.

]]> Logan Gilland false No 1769 28 full Keeping Your Plan Steady in a Turbulent Week Keeping Your Plan Steady in a Turbulent Week https://Savingsandsense.podbean.com/e/keeping-your-plan-steady-in-a-turbulent-week/ https://Savingsandsense.podbean.com/e/keeping-your-plan-steady-in-a-turbulent-week/#comments Sun, 08 Mar 2026 08:00:00 -0400 Savingsandsense.podbean.com/61ec7d14-ecc5-3ca6-9c79-c90297db4ecf Logan Gilland and Allie Howard focus on how disciplined planning can guide you through a chaotic stretch in the markets. While the episode covers the Iran conflict, sharp swings in oil prices, and mixed economic data, the real message centers on staying grounded in long term goals, maintaining the right allocation, and understanding what you can control in your own financial life. They close with timely tax season reminders on withholdings, refunds, and how to keep your overall plan on track as April approaches.

]]> Logan Gilland and Allie Howard focus on how disciplined planning can guide you through a chaotic stretch in the markets. While the episode covers the Iran conflict, sharp swings in oil prices, and mixed economic data, the real message centers on staying grounded in long term goals, maintaining the right allocation, and understanding what you can control in your own financial life. They close with timely tax season reminders on withholdings, refunds, and how to keep your overall plan on track as April approaches.

]]> Logan Gilland false No 1800 27 full Planning Through the Noise Planning Through the Noise https://Savingsandsense.podbean.com/e/planning-through-the-noise/ https://Savingsandsense.podbean.com/e/planning-through-the-noise/#comments Sun, 01 Mar 2026 08:00:00 -0500 Savingsandsense.podbean.com/8ffb966b-e2ed-35ef-a58b-d1cc082a295a

Logan Gilland and Allie Howard shift the conversation toward what matters most: building and sticking to a clear financial plan. They touch briefly on a busy week of headlines but highlight why long term allocation decisions, risk management, and disciplined strategy outweigh daily market swings. The episode closes with practical guidance on saving for children, comparing 529 plans, custodial accounts, parent held savings, and the new Trump accounts to help families choose the right planning path.

 

]]>

Logan Gilland and Allie Howard shift the conversation toward what matters most: building and sticking to a clear financial plan. They touch briefly on a busy week of headlines but highlight why long term allocation decisions, risk management, and disciplined strategy outweigh daily market swings. The episode closes with practical guidance on saving for children, comparing 529 plans, custodial accounts, parent held savings, and the new Trump accounts to help families choose the right planning path.

 

]]> Logan Gilland false No 1800 26 full Before You File: Key Planning Steps Before You File: Key Planning Steps https://Savingsandsense.podbean.com/e/before-you-file-key-planning-steps/ https://Savingsandsense.podbean.com/e/before-you-file-key-planning-steps/#comments Sun, 22 Feb 2026 08:00:00 -0500 Savingsandsense.podbean.com/21a9d990-78d9-3022-a6d9-725d8a650fa3 Logan Gilland and Katelyn Felker discuss smart planning opportunities to consider during tax season, including last-minute IRA and HSA contributions, how to evaluate refunds versus amounts owed, and more strategic approaches to charitable giving with tools like donor-advised funds. They also briefly touch on recent market headlines, including geopolitical tensions affecting oil prices and mixed economic data, while reinforcing the importance of staying focused on a long-term financial plan.

]]> Logan Gilland and Katelyn Felker discuss smart planning opportunities to consider during tax season, including last-minute IRA and HSA contributions, how to evaluate refunds versus amounts owed, and more strategic approaches to charitable giving with tools like donor-advised funds. They also briefly touch on recent market headlines, including geopolitical tensions affecting oil prices and mixed economic data, while reinforcing the importance of staying focused on a long-term financial plan.

]]> Logan Gilland false No 1800 25 full When Helping Kids Impacts Your Plan When Helping Kids Impacts Your Plan https://Savingsandsense.podbean.com/e/when-helping-kids-impacts-your-plan/ https://Savingsandsense.podbean.com/e/when-helping-kids-impacts-your-plan/#comments Sun, 15 Feb 2026 08:00:00 -0500 Savingsandsense.podbean.com/85397f11-c108-36c1-92eb-2e055ed7655d Logan Gilland and Michele Daniher discuss the growing trend of parents financially supporting their adult children and how to plan for it without compromising long-term goals. They explore why this support is becoming more common, the real costs families are facing, and practical strategies for setting boundaries, communicating expectations, and building flexibility into a financial plan.

]]> Logan Gilland and Michele Daniher discuss the growing trend of parents financially supporting their adult children and how to plan for it without compromising long-term goals. They explore why this support is becoming more common, the real costs families are facing, and practical strategies for setting boundaries, communicating expectations, and building flexibility into a financial plan.

]]> Logan Gilland false No 1800 24 full Your First Step to Financial Confidence Your First Step to Financial Confidence https://Savingsandsense.podbean.com/e/your-first-step-to-financial-confidence/ https://Savingsandsense.podbean.com/e/your-first-step-to-financial-confidence/#comments Sun, 08 Feb 2026 08:00:00 -0500 Savingsandsense.podbean.com/30c0232d-48b9-3470-a447-1ffe5e6b82d1 Logan and Kaylie break down a week of sharp market rotation, from tech weakness after Google earnings to renewed strength in classic consumer staples. They then dive into Kaylie’s three‑step framework for helping listeners define goals, understand how money supports them, and take meaningful first steps toward financial confidence.

]]> Logan and Kaylie break down a week of sharp market rotation, from tech weakness after Google earnings to renewed strength in classic consumer staples. They then dive into Kaylie’s three‑step framework for helping listeners define goals, understand how money supports them, and take meaningful first steps toward financial confidence.

]]> Logan Gilland false No 1800 23 full Earnings Shakeups and Mortgage Makeovers Earnings Shakeups and Mortgage Makeovers https://Savingsandsense.podbean.com/e/earnings-shakeups-and-mortgage-makeovers/ https://Savingsandsense.podbean.com/e/earnings-shakeups-and-mortgage-makeovers/#comments Sun, 01 Feb 2026 08:00:00 -0500 Savingsandsense.podbean.com/5835b4bd-1aeb-3eea-a1b3-4cad5a1c7c7f Logan and Vinson break down a busy week in markets, from the sharp split between Microsoft and Meta earnings to reactions to Federal Reserve news and the nomination of Kevin Warsh. They then shift into Vinson’s mortgage expertise, covering refinancing, recasting, and smart borrowing tips for today’s housing environment.

]]> Logan and Vinson break down a busy week in markets, from the sharp split between Microsoft and Meta earnings to reactions to Federal Reserve news and the nomination of Kevin Warsh. They then shift into Vinson’s mortgage expertise, covering refinancing, recasting, and smart borrowing tips for today’s housing environment.

]]> Logan Gilland false No 1800 22 full Here's How to Pay Less on Taxes Long-Term Here's How to Pay Less on Taxes Long-Term https://Savingsandsense.podbean.com/e/heres-how-to-pay-less-on-taxes-long-term/ https://Savingsandsense.podbean.com/e/heres-how-to-pay-less-on-taxes-long-term/#comments Sun, 25 Jan 2026 08:00:00 -0500 Savingsandsense.podbean.com/36f6a1cf-fa07-3162-924a-307612368b2c Logan and Andy discuss something that many retirees go through that doesn't get brought up often enough: Required Minimum Distributions (RMDs). Once you reach a certain age, you're required to pull from retirement accounts which forces you to pay taxes on those dollars. In this episode, we discuss strategies that focus on paying less long-term.

]]> Logan and Andy discuss something that many retirees go through that doesn't get brought up often enough: Required Minimum Distributions (RMDs). Once you reach a certain age, you're required to pull from retirement accounts which forces you to pay taxes on those dollars. In this episode, we discuss strategies that focus on paying less long-term.

]]> Logan Gilland false No 1800 21 full Debt Reality Check Debt Reality Check https://Savingsandsense.podbean.com/e/debt-reality-check/ https://Savingsandsense.podbean.com/e/debt-reality-check/#comments Sun, 18 Jan 2026 08:00:00 -0500 Savingsandsense.podbean.com/a0606b1a-a14d-3eae-8f29-4035b1450ae2 Logan and Allie focus on why debt is becoming a bigger problem for a lot of people and lay out a simple path to fix it by building margin in your budget, cutting expenses or boosting income, and using a strategy like the debt snowball to start gaining momentum.

]]> Logan and Allie focus on why debt is becoming a bigger problem for a lot of people and lay out a simple path to fix it by building margin in your budget, cutting expenses or boosting income, and using a strategy like the debt snowball to start gaining momentum.

]]> Logan Gilland false No 1800 20 full Smart Ways to Save for Kids Smart Ways to Save for Kids https://Savingsandsense.podbean.com/e/smart-ways-to-save-for-kids/ https://Savingsandsense.podbean.com/e/smart-ways-to-save-for-kids/#comments Sun, 11 Jan 2026 14:00:00 -0500 Savingsandsense.podbean.com/3a26dc69-6968-388b-89b9-4bf344a4fd5c Logan and Allie break down how Venezuela news and a mixed jobs report moved markets early in 2026, then walk through practical strategies for saving for a child's future. They discuss covering savings targets, 529 plans, custodial accounts, and when it may make sense to just save in a parent-owned investment account.

]]> Logan and Allie break down how Venezuela news and a mixed jobs report moved markets early in 2026, then walk through practical strategies for saving for a child's future. They discuss covering savings targets, 529 plans, custodial accounts, and when it may make sense to just save in a parent-owned investment account.

]]> Logan Gilland false No 1800 19 full New Year Money Check-In for 2026 New Year Money Check-In for 2026 https://Savingsandsense.podbean.com/e/new-year-money-check-in-for-2026/ https://Savingsandsense.podbean.com/e/new-year-money-check-in-for-2026/#comments Sun, 04 Jan 2026 08:00:00 -0500 Savingsandsense.podbean.com/d92797ea-0cac-35a2-837e-b6a848bddd91 Logan and Allie kick off the new year by recapping a strong-but-volatile 2025, then shift to actionable 2026 planning. They discuss setting clear goals, reviewing tax withholding and strategy, and making sure your investment allocation still matches your timeline and risk tolerance.

]]> Logan and Allie kick off the new year by recapping a strong-but-volatile 2025, then shift to actionable 2026 planning. They discuss setting clear goals, reviewing tax withholding and strategy, and making sure your investment allocation still matches your timeline and risk tolerance.

]]> Logan Gilland false No 1800 18 full 2025 Money Recap: Taxes, Tariffs, AI, and Rate Cuts 2025 Money Recap: Taxes, Tariffs, AI, and Rate Cuts https://Savingsandsense.podbean.com/e/2025-money-recap-taxes-tariffs-ai-and-rate-cuts/ https://Savingsandsense.podbean.com/e/2025-money-recap-taxes-tariffs-ai-and-rate-cuts/#comments Sun, 28 Dec 2025 08:00:00 -0500 Savingsandsense.podbean.com/0966a83c-9a55-391b-a78c-46d119b2e31c Logan and Allie recap the year’s biggest money themes: tax law changes from the “Big Beautiful Bill,” a tariff-driven market scare, and a strong rebound fueled by AI optimism and falling interest rates.

]]> Logan and Allie recap the year’s biggest money themes: tax law changes from the “Big Beautiful Bill,” a tariff-driven market scare, and a strong rebound fueled by AI optimism and falling interest rates.

]]> Logan Gilland false No 1800 17 full 5 Tips for Young Adults 5 Tips for Young Adults https://Savingsandsense.podbean.com/e/5-tips-for-young-adults/ https://Savingsandsense.podbean.com/e/5-tips-for-young-adults/#comments Sun, 21 Dec 2025 08:00:00 -0500 Savingsandsense.podbean.com/2b0c9b06-62bb-3de4-b316-f9ab5d166eb4 Logan brings on Katelyn Felker, one of the newest members of the Joule team, to talk about 5 tips she has for young adults. 

]]> Logan brings on Katelyn Felker, one of the newest members of the Joule team, to talk about 5 tips she has for young adults. 

]]> Logan Gilland false No 1800 16 full Market Updates and Giving Strategies Market Updates and Giving Strategies https://Savingsandsense.podbean.com/e/market-updates-and-giving-strategies/ https://Savingsandsense.podbean.com/e/market-updates-and-giving-strategies/#comments Sun, 14 Dec 2025 08:00:00 -0500 Savingsandsense.podbean.com/f20a5b79-2337-393e-a8b2-d841f40ce21f Logan breaks down what is going on in the markets and giving strategies for the end of the year. 

]]> Logan breaks down what is going on in the markets and giving strategies for the end of the year. 

]]> Logan Gilland false No 1800 15 full 5 Biggest Challenges for Retirees 5 Biggest Challenges for Retirees https://Savingsandsense.podbean.com/e/5-biggest-challenges-for-retirees/ https://Savingsandsense.podbean.com/e/5-biggest-challenges-for-retirees/#comments Sun, 07 Dec 2025 08:00:00 -0500 Savingsandsense.podbean.com/9500bf02-80f6-3c10-967c-bbef14a61038 Logan brings on Michele Daniher, from Ritter Daniher Financial Advisory, to talk about the 5 biggest challenges we see for recent or upcoming retirees.

]]> Logan brings on Michele Daniher, from Ritter Daniher Financial Advisory, to talk about the 5 biggest challenges we see for recent or upcoming retirees.

]]> Logan Gilland false No 1800 14 full New Contribution Limits New Contribution Limits https://Savingsandsense.podbean.com/e/new-contribution-limits/ https://Savingsandsense.podbean.com/e/new-contribution-limits/#comments Sun, 30 Nov 2025 08:00:00 -0500 Savingsandsense.podbean.com/e2c35be5-4b93-33bf-b94e-fbdd943e5535 Logan and Allie talk through the changes to contribution limits for retirement savings for 2026.

]]> Logan and Allie talk through the changes to contribution limits for retirement savings for 2026.

]]> Logan Gilland false No 1800 13 full Earnings Season and Charitable Giving Earnings Season and Charitable Giving https://Savingsandsense.podbean.com/e/earnings-season-and-charitable-giving/ https://Savingsandsense.podbean.com/e/earnings-season-and-charitable-giving/#comments Sun, 23 Nov 2025 08:00:00 -0500 Savingsandsense.podbean.com/8eed8831-b038-3560-9669-3bd8d8cf2633 Logan and Allie talk about the resent market struggles and how to get the biggest tax benefit for your giving. 

]]> Logan and Allie talk about the resent market struggles and how to get the biggest tax benefit for your giving. 

]]> Logan Gilland false No 1800 12 full Small Business Planning Small Business Planning https://Savingsandsense.podbean.com/e/small-business-planning/ https://Savingsandsense.podbean.com/e/small-business-planning/#comments Sun, 16 Nov 2025 08:00:00 -0500 Savingsandsense.podbean.com/4c2846cf-4b03-361f-9172-3cd563da4b4c Logan brings on Daniel Czulno to talk about planning for small business owners.

]]> Logan brings on Daniel Czulno to talk about planning for small business owners.

]]> Logan Gilland false No 1800 11 full Personal Finance Starting Point Personal Finance Starting Point https://Savingsandsense.podbean.com/e/personal-finance-starting-point/ https://Savingsandsense.podbean.com/e/personal-finance-starting-point/#comments Sun, 09 Nov 2025 08:00:00 -0500 Savingsandsense.podbean.com/d29bd8f5-40c4-354b-99c5-9d3eef0343b6 Logan and Allie talk about the key first steps to take on your personal financial journey. Check out the DIY Money Podcast to learn more.

]]> Logan and Allie talk about the key first steps to take on your personal financial journey. Check out the DIY Money Podcast to learn more.

]]> Logan Gilland false No 1800 10 full Trick or Treat? Trick or Treat? https://Savingsandsense.podbean.com/e/trick-or-treat/ https://Savingsandsense.podbean.com/e/trick-or-treat/#comments Sun, 02 Nov 2025 08:00:00 -0500 Savingsandsense.podbean.com/3c96c269-1c97-3891-8f12-4cc505a9c581 Allie and Logan give an overview of earnings season and then dive into financial tricks or financial treats.

]]> Allie and Logan give an overview of earnings season and then dive into financial tricks or financial treats.

]]> Logan Gilland false No 1800 3 full What Should Advising or Financial Planning Look Like? What Should Advising or Financial Planning Look Like? https://Savingsandsense.podbean.com/e/what-should-advising-or-financial-planning-look-like/ https://Savingsandsense.podbean.com/e/what-should-advising-or-financial-planning-look-like/#comments Sun, 26 Oct 2025 08:00:00 -0400 Savingsandsense.podbean.com/ab22edb0-063c-3684-9e47-7e8b8d075f4d Logan interviews Michele Daniher, CFP®, to discuss how she has approached financial planning and empowering clients over the last 10 years. 

]]> Logan interviews Michele Daniher, CFP®, to discuss how she has approached financial planning and empowering clients over the last 10 years. 

]]> Logan Gilland false No 1800 9 full Open Enrollment Open Enrollment https://Savingsandsense.podbean.com/e/open-enrollment/ https://Savingsandsense.podbean.com/e/open-enrollment/#comments Sun, 19 Oct 2025 08:00:00 -0400 Savingsandsense.podbean.com/3802d7f3-6137-3e22-8c8e-9d3dcd34f17c Logan and Allie talk through how to get the most out of your employer benefits. 

]]> Logan and Allie talk through how to get the most out of your employer benefits. 

]]> Logan Gilland false No 1800 8 full Market Deep Dive Market Deep Dive https://Savingsandsense.podbean.com/e/market-deep-dive/ https://Savingsandsense.podbean.com/e/market-deep-dive/#comments Sun, 12 Oct 2025 08:00:00 -0400 Savingsandsense.podbean.com/fdfb45ee-66a1-34f1-a13c-58661cbd74f1 Logan provides a state of the markets update.

]]> Logan provides a state of the markets update.

]]> Logan Gilland false No 1800 7 full Government Shutdown and Estate Planning Basics Government Shutdown and Estate Planning Basics https://Savingsandsense.podbean.com/e/government-shutdown-and-estate-planning-basics/ https://Savingsandsense.podbean.com/e/government-shutdown-and-estate-planning-basics/#comments Sun, 05 Oct 2025 08:00:00 -0400 Savingsandsense.podbean.com/18d85c02-42d6-37db-b664-8583fad8aed7 Logan and Allie talk about the start of the government shutdown and estate planning. 

]]> Logan and Allie talk about the start of the government shutdown and estate planning. 

]]> Logan Gilland false No 1800 6 full Tax Planning Before Year End Tax Planning Before Year End https://Savingsandsense.podbean.com/e/tax-planning-before-year-end/ https://Savingsandsense.podbean.com/e/tax-planning-before-year-end/#comments Sun, 28 Sep 2025 08:00:00 -0400 Savingsandsense.podbean.com/6c0f0ae6-4f73-3088-ac54-68850c8dfafa Logan and Allie talk about the tax keys to consider before the end of the year. 

]]> Logan and Allie talk about the tax keys to consider before the end of the year. 

]]> Logan Gilland false No 1800 5 full Why Do We Plan? Why Do We Plan? https://Savingsandsense.podbean.com/e/why-do-we-plan/ https://Savingsandsense.podbean.com/e/why-do-we-plan/#comments Sun, 21 Sep 2025 08:00:00 -0400 Savingsandsense.podbean.com/09b940c2-7f7c-36a6-9275-b63d8a444a98 Logan and Daniel reflect on why we do financial planning and how it helps folks reach life goals.

]]> Logan and Daniel reflect on why we do financial planning and how it helps folks reach life goals.

]]> Logan Gilland false No 1800 4 full How We Got Here and Planning for the Next Generation How We Got Here and Planning for the Next Generation https://Savingsandsense.podbean.com/e/how-we-got-here-and-planning-for-the-next-generation/ https://Savingsandsense.podbean.com/e/how-we-got-here-and-planning-for-the-next-generation/#comments Sun, 14 Sep 2025 04:00:00 -0400 Savingsandsense.podbean.com/49ad491c-be71-3bd2-b7f7-bde5f37688d7 Logan and Quint talk about how Joule Financial started, how to navigate current markets, and how to get the next generation on the right path. 

]]> Logan and Quint talk about how Joule Financial started, how to navigate current markets, and how to get the next generation on the right path. 

]]> Logan Gilland false No 1787 2 full Introductions, NVDA, and Allocation Introductions, NVDA, and Allocation https://Savingsandsense.podbean.com/e/introductions-nvda-and-allocation/ https://Savingsandsense.podbean.com/e/introductions-nvda-and-allocation/#comments Sun, 07 Sep 2025 08:00:00 -0400 Savingsandsense.podbean.com/8cccda16-88e0-3310-baa8-9f353f9fa41d Logan and Allie introduce the savings and sense show, talk through recent earnings, and discuss monitoring your investment allocation. 

]]> Logan and Allie introduce the savings and sense show, talk through recent earnings, and discuss monitoring your investment allocation. 

]]> Logan Gilland false No 1770 1 full