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I’ve made the list, you check it twice

I’ve made the list, you check it twice

10 Year-End Financial Moves 

As the year draws to a close, it’s crucial to take a closer look at your finances and ensure you’re getting the most out of 2023. In this podcast episode, we’ve compiled a checklist of 10 financial considerations that can make a significant impact on your overall financial well-being. Listen to Matt and I discuss the following checklist (it is far more entertaining in audio!) and refer to the notes below to ensure you end the year strong. 
☑️ Maximize Retirement Contributions: Start by contributing as much as possible to retirement accounts such as 401(k), 403(b), IRA, and HSA. Not only does this help secure your future, but it also reduces taxable income, providing an immediate financial benefit.
☑️ Charitable Donations: Consider making contributions to qualified charities before the year ends to potentially benefit from tax deductions. It’s a win-win situation—supporting a cause in which you believe and catching a break from Uncle Sam.
☑️ Prepay Deductible Expenses: If feasible, prepay deductible expenses like mortgage interest, property taxes, and other eligible costs before the year concludes. You could receive valuable deductions on your upcoming tax return (keeping in mind that you would not be able to take advantage of them for 2024).
☑️ Utilize Education Tax Benefits: Explore education-related tax benefits, including the American Opportunity Tax Credit (AOTC) and the Lifetime Learning Credit (LLC). These credits can provide substantial financial relief for qualified education expenses.
☑️ Review and Offset Investment Gains/Losses: Take a closer look at your investment portfolio. Consider offsetting gains with losses to potentially reduce your overall taxable income. Read more about this strategy in the Wall Street Journal.
☑️ Utilize Health Savings Accounts (HSAs): Maximize contributions to HSAs to reduce taxable income and cover medical expenses. 
☑️ Maximize Child and Dependent Care Credits: Ensure you’ve accounted for all eligible expenses related to child or dependent care for potential tax credits. This includes childcare costs, summer day camp expenses, after-school care, and contributions to a Dependent Care Flexible Spending Accounts (FSAs).
☑️ Evaluate Business Expenses for Deductions: If you’re self-employed, meticulously review and account for business expenses like supplies, mileage, and home office costs. These deductions can significantly impact your taxable income.
☑️ Consider Energy-Efficient Home Improvements: Did you make some upgrades to your home this year? Explore potential tax credits for qualifying home improvements such as solar panels, energy-efficient windows and doors, HVAC systems, insulation upgrades, and energy-efficient appliances. Not only do these upgrades benefit the environment, but they also allow for nifty tax savings. 
☑️ BONUS: Review Financial Goals: Finally, take the time to evaluate your progress toward your financial goals for the year. Use this reflection to make informed adjustments and set new goals for the upcoming year.
Remember, it’s not just about making the list; it’s about taking action. By addressing these financial considerations before the year ends, you’ll be better positioned to make the most of your money in 2023. So, as you navigate the holiday season, don’t forget to give yourself the gift of financial empowerment. Happy planning!



Mike, you know what gets people going, a checklist.


I love a checklist.


Hey, it’s financial life planning. I’m Matt Robison with my co-host, Mike Morton, the guy who actually knows things. I’m the guy who asks him things along the way. Hey, Mike, you wanted to talk about lists, including you’re making a list, you’re checking it twice, you’ve got nine items. Oh, this is so unsexy we got to juice this up a little bit. Well, what you want to call it is nine items to review at the end of the year. But what you’re really talking about is nine easy steps with maybe a bonus 10th in kind of like quick checklist fashion, you know, sort of optimize yourself, at the end of the year, save some money, make some money, do better.


That’s all of the above, man. Now, when you get to the end of the year, certain things have to be done within the calendar year to count when it comes to taxes and other situations. So we like to think of them before the end of the year, not think of them in January. So here we are, getting towards the end of the year. So I just wanted to highlight some of these and not, of course, nine different ones, they’re not going to all pertain to you, but just to kind of go through the list to get you thinking, oh yeah, this is one that I forgot. I need to do that before the end of the year.


Alright, two quick upfront disclaimers. One is that obviously it’s hard if you’re listening to this and you’re like in the car or something to keep track of a list of 9 or maybe 10 things. All this will be summarized on Mike’s website. So people can check that out. That’ll be in the show notes it’s easy to find to remind yourself if anything here kind of perks up your ears. The other thing is hang on until the end of the show, because Mike and I are going to debut a new segment that we’re excited about that we think is super practical and fun so hang on for that. I’ve teased it on the radio. All right, let’s get into it. What’s on. So this is your list of things. And by the way, when you say end of year, it’s just , hey, you’re coming to the end of the year. A lot of these, I feel like you could do earlier in the year, if you really wanted to but you’re getting to the end of the year. You want to make sure you’re not leaving money on the table you’re getting every last dollar you can. What’s number one.


First off check your employer retirement accounts that you’re maximizing the contributions. If that’s part of your plan to maximize contributions, we had the waterfall earlier to save the next dollar. So if your employer, if you’re trying to maximize your 401ks, your 403Bs, 457 deferred comp plans, just make sure you’re shoving in that money cause it’s got to come from your paycheck. Each and every paycheck, you can change the percentage. Usually you’ll put in like 5 percent or 10 percent of your paycheck into that throughout the year. So just make sure you’re going to hit those maximums if that’s what you want to do. And if you’re getting close and not quite there, you can always contact HR and bump up your contribution for a month or two, you know, up to 20 percent of your paycheck for the last couple of months to make sure to maximize those.


And speaking of contacting HR nowadays, I think most companies have this really easy kind of self service, click a link. So what I like about your list is that most of these things truly are like three or four minute propositions, you can just put it on your to do list. So that’s what this one sounds like it comes down to is literally like, send email to HR get link if you don’t know it already, or go through your intranet portal or whatever it is. Click on the link double check and just a question. I imagine that there’s there’s levels to this, that like, you know, of course, what you want is to be absolutely maximizing. But at the very least, you want to be maximizing the level that employers will match right? Because that is some free money.


Yeah you should have been doing that throughout the year. Look, Matt, you did learn something , so yeah, you do that. Make sure you at least do that. Now, some employers, you have to do it throughout the year , so you might be caught in ‘oh yeah, I wasn’t contributing at all. Let me at least get that match and throw in 20 percent in my last couple of paychecks to get the 4 percent of my salary.’ And your employer might only match the 4 percent each contribution. They might not do, you know, the 4 percent of your entire salary cause you weren’t doing it throughout the year, so that’s a good catch for next year, at least do free money or whatever your employer will contribute.


Even if you find yourself in one of those employment situations where they’ll only do the month to month, that’s an easy fix as well. Just look up on Mike’s website, his convenient time machine service. And, if that’s just a great fit for you. All right, let’s go to number two.


Number two, charitable donations. We’re getting towards the end of the year. This is always, front of mind for a lot of my clients and friends. So, you know, making those year end charitable contributions. Now this one’s got a little bit of a catch to it. It’s great organizations need that support, you know? And so if you have ones that you’re interested in supporting, you know, go ahead and make those donations, those charitable contributions. But not everybody gets a tax deduction for them. So that’s something we talked about before. Maybe we’ll have another episode that you’ve got itemized deductions in your taxes versus standard deduction and your charitable contributions only count if you’re itemizing. That’s a little bit of a downside from a tax perspective, but upside, the organization is still going to get your support.


If, I’m just asking for a friend, let’s say you don’t itemize, and you’re also kind of a dick. Should you still make charitable contributions?


Yeah, yeah, you should. Oh, good to know,


Oh, okay, good to know, can’t figure out who that might pertain to, but I’ll tell you what we do in our house is we have a little Google doc just to keep track cause sometimes my wife will make charitable contributions sometimes I will, and it’s not like we’re trying to limit. It’s oh, you don’t want to give too much. We would just like to know that we’re not giving to the exact same NGO, the exact same cause at the exact same time as part of the same appeal, because we’re sending them all kinds of algorithmic response information. It’s like ooh, this email was particularly effective that we don’t want to send them. So we just, t’s a 22nd thing that, we found very helpful


Yeah, keeping track is important. I love that you have a sheet.


Let’s get ourselves to number three.


Number three, consider prepaying deductible expenses. So certain things are..


I did not understand any of the words in there.


That means to, you know, contemplate the question pre paying. So pay at a later time before it’s due. Yeah, normally, we don’t like that prepaid deductible. That means you get to not pay taxes on the money. Expenses, something you have to spend money on.


I feel like Homer Simpson in the frozen yogurt episode, it’s like that’s good, that’s bad, that’s good. All right, God, so prepay, considering we must do think about it. prepaying deductible expenses okay.


Yeah. So certain things on your tax forms are deductible such as state and local taxes, mortgage interest, things like that. You write them down and potentially can deduct them and not pay taxes on some of those expenses. In other words, get free money back so sometimes those are throughout the year and you total them up. So say your mortgage has a mortgage interest. So part of your mortgage payment is the interest you get to deduct so you don’t pay taxes on that money, you take it off of your salary. It’s really great so potentially you could pay January 2024 in December. So you could prepay your mortgage payment that’s due in January here in, you know, December. And then therefore you paid it in this calendar year, 2023, and you get to deduct it on your 2023 taxes. So that’s what we mean is consider prepaying deductible expenses. I don’t find this one super useful, but it can be, especially for small business owners, if you have a little bit of wiggle room on when you get income and when you pay expenses you can really do this. So it could be property. It could be mortgage payments or property taxes is the other one that people talk about, like making January your first quarter or first six months.


So you’re looking for maybe you’re in a high tax situation, and you’re looking for an additional deduction.


Yeah, yeah, exactly. But then, you know, the downside is you don’t get it next year, because you’ve prepaid it. So again, this one I don’t put a lot of weight into, but it is something to consider depending on your situation.


That’s where the Mike Morton time machine service is particularly useful. By the way, I should give a disclaimer in this day and age Mike Morton does not possess a time machine. I don’t feel like I should have to do that. And yet here we are in the world.


Matt, do we need like trigger warnings for that, too? I was curious about that. You don’t hear about it as much these days.


You don’t hear about trigger warnings? I think it’s because everything in the world is triggering, everything everywhere all at once in the entire world is a gigantic trigger. The world is terrible. And therefore that’s why people listen to the show, because it’s such a wonderful escape. Get practical information. That’s why we get a little light humor, you get plenty of dad jokes. All right. Speaking of paying dads, kids are very expensive. We were just talking about that. And you have to educate them and apparently you can get tax benefits for spending on education.

Mike 9:26

Tax benefits for education. Yeah, man, it’s awesome. So there are two different ones here. The American opportunity tax credit and the lifetime learning credit. These are both fantastic credits when you have kids that are in secondary schools. So, post high school education. So those are great ones to just remember, if you’re making payments, write that down, and you get good tax credits from both of those. Oh, sorry. From either of those they’re, they work slightly differently. So, the American opportunity tax credits really often using colleges you can get it four years and it’s per student and the lifetime learning credit is per tax return, but you can use it for really like any kind of education. So this is great if you, you want to go back to school, Matt, you want to go back to school and get some learning, get some, you know, take some courses, then you can get the lifetime learning credit.


There are all these inspirational quotes out there. It’ll like a lifetime. I just read one from some luminous figure in the world. It’s, the end of your education is not the end of learning or something like that and people talk about going back to school. I can’t imagine a bigger nightmare. Not that I don’t think education is great and important and all that stuff, but gosh, I used to have the same dream that everyone has. I think everyone on earth has this dream. It’s the last day of the semester. It’s the final exam. You have not showed up to class all semester and now you have to run to your exam and you’re wondering to yourself, why didn’t I drop this class? Why did I stay in it? What am I doing? This is terrible. I used to have the stress dream all the time in college and then I stopped having it after college and then I went to grad school and I started having the dream again and now it’s been 20 blissful years since I’ve been in college or grad school and I don’t have the dream anymore. I just have the dream where I have to pay for my kid’s college in grad school. It’s been replaced. I don’t know which is worse.


Why was your thought ‘Why didn’t I drop this class and not’, ‘why didn’t I go to class’?


All right, let’s move on. I actually didn’t hear anything you just said, because the wonderful platform we record on just froze you for a second there, wasn’t even the time machine. All right. Number five, what is number five? A lot of words here.


Okay. this is, stocks. So this one, you want to consider your gains and losses in your stocks. So if you have a tax, if you have a brokerage account and maybe you’ve got some stocks or some ETFs we love or mutual funds. You want to check and see if they’ve gone up or down, especially any that have gone down in value. You could sell those, consider again, consider selling those at a loss to offset gains or future gains. And this is a really great one too, Matt, because if they’re short term losses, if you bought something , a few months ago, six or nine months ago, and it’s gone down before one year and you sell it, then up to 3,000 can come straight off your income taxes. So that’s a really great little deduction to save you, what, 800 bucks, in your taxes right there if you have a 3,000 short term loss, so just check your brokerage account and see what’s gone up or down and maybe make some decisions there.


This is a really clever one. I mean, the one before about utilizing education tax benefits feels like the kind of thing where I don’t mean this in a bad way, but it’s like a check the box exercise. It’s like, just make sure you’ve done this either in your, tax prep software with your tax preparer or whatever it is you do. This one takes a little bit more legwork. You got to actually crack open your account and look, then you probably do want to consult with your tax preparer, but we’ve talked, if people want to go back in the feed, we’ve talked about tax loss harvesting before. And this feels like a good one. It’s like a target of opportunity. If this has happened to you. And let’s say you’ve had gains elsewhere in your portfolio, you’re going to have a tax liability there, or just, you know, you face an overall tax liability in your income, you could wait around. Invest for the long haul. Hope that your bad bet on a single stock, or holding is eventually going to turn itself around in 10 years or probably will. That’s what, that’s what you tell me. Or you can just say, you know what, I’m just going to take the hit right now and, get a little benefit out of it.


Yeah, it’s a good opportunity to review especially, let’s say you’re broke, you look at your brokerage account the stock, you pick some stocks a while ago, and you still have them. And if you look at those ticker symbols, you’re like, ah, you know, that kind of feeling. Maybe just sell it. Maybe they’ll just make you feel better. That’s what that’s one of the things I use with my clients. Like, do you really want to keep staring at that ticker symbol? Why don’t we just get rid of that thing? Take the loss and you never have to see it again and you get a tax benefit.


So are you talking about investments? Are you giving love advice for people in the dating scene? You know what, the spark isn’t there. It’s not the stock. It’s no it is the stock it’s not you. It’s the stock that sometimes you don’t ever really want to see them again. All right. Speaking of love affairs, I think for this next one, we might have to get you something to kind of calm the throbbing heart because we’re going to talk about your very favorite account.


Ah, very favorite. HSA, no taxes ever. Love these accounts. But this one I actually do have it here at the end of the year, but I skipped over the IRAs and the HSAs because those you can actually do in the first quarter of next year. So if you don’t quite, you’re not quite on the ball with the busy season and the other, seven, eight, nine things on this list the HSAs and the IRAs, you can always top up in first quarter of next year to count for this year. So you definitely want to do those but I’ll give you a little bit of a pass here at the end of the year.


A little, little bonus time, but it is a good thing to do because people can easily find discussions of the myriad benefits of HSAs. If you go back in the feed, speaking of you quivering, I have to say that I’m currently listening as an audio book with my daughter to the Twilight series and I’m discovering that the Twilight series has an awful lot of quivering. A lot of palpitations there. There’s a lot more, young hearts fluttering that I remember. I thought of it as a wholesome tale about vampires and werewolves. It turns out , it’s really not. It’s like a Fabio cover inspired full on romance. And there’s a lot of pining it’s actually very painful to listen to. I got to say it. And that’s basically, you are like there’s team Jacob, there’s team Edward, and then there’s team HSA.


There you go. And I will, I will say on this, on the HSA is briefly, a lot of employers will put money into them, which is great, but you have the opportunity to top them off. So don’t forget that your employer may not have to put in the maximum. And so you have the opportunity to top those off. So we’ll talk about that, early next year.


Early next year, we’ll circle back to it. This next one I really identify with this has happened to me a lot.


It’s a maximize your number of kids. Oh no, no, no. It’s credits.


Boy, I don’t want to diss my children. But I feel like I have enough. The perfect number of kids.


There you go. Perfect number of kids. Yes, this is the you know, maximizing your child dependent care credits. There’s a lot of them out there, but you know it turns out, did you know that kids are expensive? They cost money having these kids, so you can deduct some of those?


Apparently at least 15 years until the youngest is out of college. But then, look, you might have the joy of, they, they sometimes move right back into the house, which I would welcome because I’m pre-dreading the idea of my kid, I love having my kids at home, I love it. So if they want to move back in, that’s great. But from an expense standpoint, that could still be, it could be longer than 15 years.


Yeah boomerang babies. They’re coming back so yeah those expenses for kids from camps and childcare and things like that you can deduct. So make sure you keep track of those expenses and add those up. Again, that’s a little more tick the box kind of thing, not that you have a ton of control over, cause there are income limits and other stuff. So it’s just keeping track of all those costs and make sure that you include them and hopefully get some credits for them. Are you ready to create your ideal lifestyle? Let’s discover what’s most important to you and design a plan to have more of that in your life. Go to meet Mike All one word. Meet Mike


I’ve definitely had conversations when it’s tax time with my wife, where we’re like, Wait, did we count everything, No, we didn’t? Oops. So yes, super useful. But definitely in the nature of check the box. All right, what’s number eight?


Business expenses. So this is for those business owners or you’ve got a side hustle or you make some contracting consulting income, make sure you’re really including all your business expenses. And this one, again, at the end of the year here, maybe there’s a couple of things you want to spend money on this year, or alternatively, maybe you want to push them off to next year so depending on when you’re maybe making more income. Maybe this is a big income year, you had a big bonus or you and your partner are filing jointly and your partner had a big bonus, this year. So you’re in a higher tax bracket. So, hey, see if you can spend some money on business expenses to bring down your overall income, deduct those. Alternatively, maybe you’re in a low year. Oh, I just took a new job. I wasn’t working for a period of time. I took a new job towards the end of the year. So next year I’ll have higher income then push the expenses into January, when you’re going to have higher income.


This is one where I feel like I need to remind people of the plug that we mentioned at the top of the show that we’re hoping that each of these items individually is, you know, a five minute exercise, maybe 10. I know it begins to feel as we get into the list, there’s a lot of homework, a lot of stuff to do but I do think that if you chunk this out individually, it really is probably an hour maximum. And what we’re talking about here is, potentially not just hundreds, but thousands of dollars of savings or earning is a better way to think about it. And again, if someone is offering me a thousand, couple thousand bucks per hour of work that feels like a pretty good.

investment of time. And hopefully none of these are two owners. All right, let’s hit number nine.


I also think just note again, as we said at the top, just knowing these, oh, I hadn’t thought about that, then yeah, there you go, right hundreds and hundreds of dollars right there is something that you hadn’t thought of.


No, you’re totally right. There’s a version of this where someone’s listening and only one of these things is super relevant, but it’s the kind of the thing that like sparks your ear and you’re like, Hey, wait a second. I really, did I count this dependent care expense that I may not have? And it could be worth just that investment of time could be worth hundreds of dollars to you. Very worthwhile.


this last one falls in that bucket, Matt, this is energy credits. So you can get credits and discounts and deductions for home improvements, electric vehicles, things of that nature. So things like solar panels, or just insulation, more insulation for your house, making it more energy efficient. H-vac systems, more insulation, energy efficient appliances, a lot of those can show up on your tax forms as a creditor deduction. So taking a look at making your home and being more energy efficient, can also put dollars in your pocket.


And is this the kind of thing where again, you might do this with an eye toward when do I want these credits to flow? When do I want to spend this money when you could stack up this year versus next year and that kind of thing?


Absolutely. And the other thing to consider is that the laws are always changing. I know that EV credits are really hard to keep track of because they’re changing which cars qualify and how much do you get, and it changes every year so that this one might take a little more legwork, but just so you know if you’ve done anything oh, yeah, I did get some new appliances that were more energy efficient. Could I get something off my taxes for that? Yeah, possibly. It’s good to be aware.


Now you’ve got a bonus number 10. I feel like a liar. Basically, you made a liar out of me we kept saying there’s 9 but what’s number 10.


So this one kind of got thrown in there, reviewing your financial goals. So I think once a year is a great opportunity to sit down, think if you’re individual or with a partner, just what’s coming next year. I often do this at the start of the year. You could do it at the end of the year during the holiday season during the break but just really considering, hey, what are our goals in general? All right, we talk about that a lot on this show, but also financially, are there budgetary items? Are there financial goals, or things you want to spend money on? Hey, I want to, you know, take a big trip this year the kids are at a certain age let’s really, we haven’t done that. Let’s do that thing or whatever it is. Or now we need to save money this year. We really got to buckle down. Like, here’s where we’re going to, you know, keep our budget within. So I think reviewing financial goals is a great opportunity here at the end of the year or at the start of the next year for sitting down and figuring those things out.


I’ll give you my version on this one, which is I love to keep things simple. I really believe in the aphorism one job at a time, every job, a success. And there is no limit to the amount that I like to chunk things down into manageable pieces because I can’t even handle something that’s more than like 10 minutes as a task. This is a problem I know and so for me, what I tend to think about with this kind of guidance is, hey, there’s a time period coming up where, especially as we get into December, people take time off of work. You might be at home and you might have 30 minutes and maybe what you could do is, you don’t have to do a top to bottom soup to nuts review.Maybe you could find one thing, you could find one thing I have a task that I’ve been wanting to do. You have an email that you sent me about one thing that I have to accomplish that I left an unread status in my inbox for six months now. And I’m like, I’m going to get to this. It would feel great getting to that one task. And if I could just do that, we would be better off. My version of this is just, you don’t have to feel daunted by the idea of I’m going to optimize everything in my financial goals. I mean, I agree with you obviously you should review, but to the practical version to me is find in there one thing you’re going to accomplish by the end of the year. That is a substantial change that you could do in 30 to 60 minutes and get that done. You will feel fantastic. Two things. One, you will find this list for anyone who wants to just quickly put eyes on it, on Mike Morton’s website, and that’ll be in the show notes. The other thing is, it is time for that fun new segment which as always on this show, we don’t have a name for it because we’re not naming professionals, we’re podcasting professionals. So what we want to do is we want to talk about very quickly, just a couple of minutes in this segment, something that we’ve learned, something that we’ve found in the last week or the last month that’s made life convenient, easier, funner. That’s not a word, something that like is a great fun takeaway that people might want to try, or they might want to learn from our cautionary tale. Mike, you promised you had one for me. Go.


All right. Here’s what I have rediscovered in the last week or two is mindfulness and meditation. And the reason I’ve rediscovered this is because it adds space. In my life to be more present, especially with you, Matt, I’m sitting across from you and I can be more present right here with you. And that’s really what it comes down to. It’s very interesting I’m just doing five minutes a day. There’s a million different apps you can use, to explore different, modalities and stuff, whatever. It’s really just sitting quietly and just trying to be in the present moment. And what it does is it reminds me, you think it’s kind of woo woo and other stuff, even though there’s tons of science in the last decade around this here’s what it is. Quite succinctly it’s like working out for your mind. If you put in five minutes, it’s working out. It’s training your mind to be more here. And it leads to a whole host of benefits. So I’ve rediscovered that I’m excited to dive back in and spend a little time every day, just being here in the moment.


Love it. And I hear the tension there between you want to be more present. So that means you want to put your phone away and there’s an app for that. That sounds really I’m going to have to think about that one a little bit. All right, speaking of technology, I’ve got one for you. It’s all the rage these days. Six or seven years ago when the word blockchain was everywhere, no one was sure what it was. Matter of fact, it’s probably not anything and there’s no good use for it whatsoever and everyone was trying to brand their stuff with the word blockchain. If you had an iced tea, it was blockchain enabled. I’m not sure why, but maybe you want to invest in this, the new version of that is AI. There’s not a single product out there that they don’t say is AI enabled, like your car. That actually sounds terrible. Although I love it. And the program that we use to edit this show has a whole bunch of AI tools and I have tried them over the last week. And one of the tools is they will write the blurb for your show for you. And I think what I’ve discovered is it’s like most AI tools. It’s pretty terrible. It does not do a good job, but it does a few things decently enough as a start that it’s slightly better then not doing it all, it saves you a little bit of time not a lot, but, I’m into the idea of seeing where this is going and I’m finding it useful. So my listener challenge for everyone is look at the show notes here. I’m going to push the editor here, the producer to use the AI feature and then edit from there. Let’s see if we can figure out what is AI and what is just our terrible robotic writing.


That’s right. I love it, Matt. And did you know, I didn’t even tell you this. Today’s episode was brought to you by Chat GPT because before this episode, I went in and had a conversation with my AI friend around the top things to save money at the end of the year. And had a good conversation because I had certain things I wanted to include in there and so we had some back and forth with the Chat GPT to come up with this list of nine things for the end of the year.


I am so disturbed right now. I feel like I don’t know. I don’t know how to feel. I’m not even sure you’re real. This is really strange for me.


AI generated. Hmmm.


Oh, gosh, for all of our listeners. I assure you that I think Mike is real. We’re not in the same physical space right now so he could be max head rooming this? I don’t know. All right. So reminder, check out the show notes let us know, send us a comment, which you can do, especially if you’re on Spotify, or send us an email. If you are particularly intrigued by any of the potential AI elements of everything you are reading and hearing, check out the list on the website. For Mike, we’ll see you next time.


Thanks, Matt. Thanks for joining us on financial planning for entrepreneurs. If you liked what you heard, please subscribe to and rate the podcast on Apple, iTunes, Google Play Spotify, or wherever you get your podcasts. You can connect with me at LinkedIn for Morton financial I’d love to get your feedback. If you have a comment or question please email me at financial planning . Until next time, thanks for tuning in. This recording is for informational purposes only and should not be considered for investment advice or opinions expressed as our of the date of recording. Such opinions are subject to change. We do not guarantee the accuracy or completeness of the data presented here.

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Episode 126 •

05th December 2023