Something On My Mind

David Mulonas

Husband and wife financial gurus David and Cindy offer a refreshing view on personal finance with a side of humor. They also share offbeat current events and real-life experiences. The two hosts crack jokes while also diving into financial literacy and success. This podcast finds the perfect balance between having a laugh and getting down to business.David is a published author and accomplished corporate project manager in the IT field. His book I'm Not Flipping Burgers When I'm 70! explores personal finance, budgeting, home ownership and investing for the future. David also launched a project called the Personal Finance Squad in which he offers guidance on all areas of budgeting and achieving financial freedom. You can find these resources under Personal Finance Squad on YouTube or at personalfinancesquad.com.Cindy has been a leader in the financial industry for the last 27 years. She is a registered professional and COO for a nationally recognized wealth management firm. She has a background in a variety of areas of wealth management, including 401(k) analysis and education, branch management and client service. Her passion is helping others understand the value of planning and achieving their long term financial goals.

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Video Vision 360 Founder Ryan Doyle Discusses His Global Video Production Company and His Advice for Entrepreneurial Minds

Video Vision 360 Founder Ryan Doyle Discusses His Global Video Production Company and His Advice for Entrepreneurial Minds

In this episode David and Cindy interview Ryan Doyle the founder and Owner of Video Vision 360, a global video production company. They discuss how he started video recording with a $400 camera and developed it into an international business. He also discusses his philosophy on recording “all things epic” and his outlook on running his business with respect to forming long lasting relationships. Additionally, they discuss Ryan’s passion and success with his philanthropic efforts starting with his non-profit venture where he and his partners raised $1 million dollars for charity. Website: http://videovision360.com/ YouTube: https://www.youtube.com/user/VideoVision360 Walk a Mile Fund: https://charity.gofundme.com/o/en/campaign/walk-a-mile Hosted on Acast. See acast.com/privacy for more information.

Episodes

Video Vision 360 Founder Ryan Doyle Discusses His Global Video Production Company and His Advice for Entrepreneurial Minds

Video Vision 360 Founder Ryan Doyle Discusses His Global Video Production Company and His Advice for Entrepreneurial Minds

In this episode David and Cindy interview Ryan Doyle the founder and Owner of Video Vision 360, a global video production company. They discuss how he started video recording with a $400 camera and developed it into an international business. He also discusses his philosophy on recording “all things epic” and his outlook on running his business with respect to forming long lasting relationships. Additionally, they discuss Ryan’s passion and success with his philanthropic efforts starting with his non-profit venture where he and his partners raised $1 million dollars for charity. Website: http://videovision360.com/ YouTube: https://www.youtube.com/user/VideoVision360 Walk a Mile Fund: https://charity.gofundme.com/o/en/campaign/walk-a-mile Hosted on Acast. See acast.com/privacy for more information.

With This Mask I Thee Wed; The Trend of The Budget-wise Micro Wedding

With This Mask I Thee Wed; The Trend of The Budget-wise Micro Wedding

In this episode David and Cindy discuss how the Coronavirus has changed plans for couples to have a traditional wedding which has forced them to opt for micro weddings. They discuss the advantages of choosing this option. In the second financial topic they discuss the upcoming stock splits of Apple and Telsa. In addition, why does a stock split and why investors often continue to drive up the stock price after the split. In the Coronavirus montage, they discuss how a couple bought a storage locker for $100 without looking at the contents first and then after they opened it up, they uncovered a $1 million treasure. For the last topic, they cover a wedding story that is one of a kind and why it may never be repeated. Don’t forget to subscribe to the show! Wedding Story: https://www.reddit.com/r/AskReddit/comments/7fm3la/what_is_the_worstfunniest_wedding_experience_you/ $1 million storage locker story: https://www.cnbc.com/2019/12/01/couple-paid-100-for-car-elon-musk-bought-it-from-them-for-6-figures.html Hosted on Acast. See acast.com/privacy for more information.

Winning the Lottery Leads to Mo' Money but May Lead to Mo' Problems

Winning the Lottery Leads to Mo' Money but May Lead to Mo' Problems

In this episode David and Cindy discuss the ins and outs of what can happen to people when they win the lottery or receive large sums of money. In the Coronavirus montage, they discuss the executive order given by President Trump to ByteDance for them to sell their American TikTok business unit due to security flaws that can lead to stealing intellectual property. Next, they discuss how the Cascade brand says to use the dishwasher every night even if it isn’t full, as it uses up to five times less water than rinsing dishes by hand. Lastly, they discuss the “Night of Living Dead” disease that the cicadas are facing due to them eating mushrooms. Hosted on Acast. See acast.com/privacy for more information.

Americans Waste 40% of the Food That They Buy. Does This Include You?

Americans Waste 40% of the Food That They Buy. Does This Include You?

In this episode David and Cindy discuss food cost in that American’s waste 40% of the food that they buy. They discuss what can be done to reduce the waste while saving money and helping the environment. In the roundtable, they discuss a real-life dating story that differs to that of Indian matchmaking which is currently being shown on Netflix. In the Coronavirus montage, the food edition, they discuss an unusual partnership between Crocs and KFC whereby they created “Country Fried Crocs” as a promotional novelty release. Next they discuss how retailers such as Costco are no longer selling sheet cakes and have opted to sell the 9-inch round cakes to cut down on social distancing. Lastly, the discuss the history of the Happy Birthday song. Hosted on Acast. See acast.com/privacy for more information.

You Can't Take Your Credit Card Debt to Your Grave but You Can Give it to Your Heirs

You Can't Take Your Credit Card Debt to Your Grave but You Can Give it to Your Heirs

In this episode David and Cindy explain the scenarios where credit card debt can be given to your heirs; however, credit card insurance can be used to waive the debt when the cardholder dies. In the Coronavirus montage, they discuss the story of a dog that traveled 57 miles back to its former residence two years after moving out and the hilarious story of a women who intended to pay for the murder of her ex-husband using the fake web site, Hire a Hitman. Lastly, in the human interest topic they discuss the story of an original Rosie the Riveter who formerly made bandanas to honor the women in factories during World War II and now is repurposing the cloth to make masks in the fight to prevent the spread of the Coronavirus. FDCPA - https://www.investopedia.com/terms/f/fair-debt-collection-practices-act-fdcpa.asp The Balance - 5 Steps for Credit Card Insurance https://www.thebalance.com/considering-credit-card-insurance-2645595 Hosted on Acast. See acast.com/privacy for more information.

Shopping for Your Surgeries and the Death of a 20-year Old Trading on Margin with Robinhood

Shopping for Your Surgeries and the Death of a 20-year Old Trading on Margin with Robinhood

In this episode, David and Cindy discuss how you can shop for your medical surgeries and how it can be beneficial to you. In the next topic they cover the tragic story of a 20-year old who took his own life after being misled into thinking that he was over $730,000 in the negative while trading with the Robinhood online brokerage firm. David and Cindy will breakdown strategies the young man was trading with and what could have been done to avoid his situation. In the Coronavirus montage they cover why you don't need prewash your dishes before using the dishwasher and how the Los Angeles Dodgers are giving the fans the opportunity to have their image posted onto cardboard cutouts and placed into the stands for a charitable cause. In the last story, they cover some misconceptions around using moisturizers and facial creams. In the human-interest topic, they cover the story in Tenino, Washington who is printing wooden money for people in need that can be used as a real currency within the town limits. Margin Call explained: https://www.investopedia.com/terms/m/margincall.asp Hosted on Acast. See acast.com/privacy for more information.

There are Two Reasons Why You Don't Want a Tax Return

There are Two Reasons Why You Don't Want a Tax Return

In this episode David and Cindy discuss tips that you can use to get an estimate of the taxes that you need to pay to the IRS. Next, they discuss why you do not want a tax return as there are ways to use that money during the year to your advantage. Next they discuss the historic and unique contract that NFL superstar Patrick Mahommes agreed to. Lastly, they cover the story about the Japanese company Yamaha, who is testing an app that pipes in crowd noise from people's phones to simulate fans in stadiums. Hosted on Acast. See acast.com/privacy for more information.

Do you Know What the Biggest Mistake is When it Comes to Financial Planning?

Do you Know What the Biggest Mistake is When it Comes to Financial Planning?

In this episode David and Cindy discuss pet peeves and observations about shopping at Costco. In the financial topic they address the biggest mistake that is made in financial planning which is when people pay more in interest on debt than what they are earning in the retirement planning. In the Coronavirus montage they cover the story about a petition that is underway in Ohio to replace Christopher Columbus's statue with Chef Boyardee. In addition, they talk about a man who was arrested for smuggling marijuana using an underwater sea jet. Lastly, NASA is offering $20,000 to anyone who can come up with a revolutionary space toilet for when they station on the moon in 2024. Why can't rocket scientists solve this? Hosted on Acast. See acast.com/privacy for more information.

The New York Mets, Bernie Madoff and Bobby Bonilla's Anniversary for his $1.92 Million Payout

The New York Mets, Bernie Madoff and Bobby Bonilla's Anniversary for his $1.92 Million Payout

In the episode David and Cindy celebrate anniversaries. In the roundtable they discuss how they met which ultimately led to hosting a podcast. Then next topic discusses whether you should have two budgets or one unifed budget in the household. Next, they discuss the story of Bobby Bonilla who was owed $5.8 million from the New York York Mets and was offered a payment deferment which will lead to $29.8 million in total compensation. In the Coronavirus montage they discuss how Apple Maps will give routes to avoid red light cameras, how Donald Trump has the ability to use nuclear weapons to shoot down hurricanes and the story of a business that was saved by making toilet paper roll cakes. In the final segment they discuss funny tweets from couples that are learning to cope with each other while working at home; the human interest topic covers the story of two elderly people who married through video conferencing. Hosted on Acast. See acast.com/privacy for more information.

Cyber Security Experts Austin & Claire Discuss Protecting Your Finanical Data

Cyber Security Experts Austin & Claire Discuss Protecting Your Finanical Data

In this episode David and Cindy present a financial topic montage: the first topic provides tips to watch your budget so you don't pay extra for products and services that were added or cancelled on your bills. The second topic disusses situations where you can pay less and get the same quality and satisfaction for products. In the third topic they look back to episode #1 and review why it was important not to panic sell your investments when the overall stock market was down 40%. In the last segment cyber security experts Austin Endo & Claire Cochran discuss password protection tips to keep hackers from getting to your financial data. Hosted on Acast. See acast.com/privacy for more information.

Senior Loan Consultant, Brenda Brosnan Discusses Mortgages and Refinancing

Senior Loan Consultant, Brenda Brosnan Discusses Mortgages and Refinancing

In this episode David and Cindy discuss the experience of teenagers beating cars into the ground and as they became adults, how they realized the responsibility of owning their own cars. Secondly, senior loan consultant and branch manager, Brenda Brosnan of Summit Funding, discusses the state of new mortgages and refinancing in today's landscape. Hosted on Acast. See acast.com/privacy for more information.

"Claire-ity" for Debt Management and Saving for a Home

"Claire-ity" for Debt Management and Saving for a Home

In this episode David and Cindy discuss video conferencing mishaps and embarrassing moments during meetings. In addition, super-listener, Claire joins the show to ask questions about her plan to pay off debt, manage a rainy day and an emergency fund and ultimately purchase a home. Lastly, new updates to the show are being announced. Don't forget to subscribe the podcast! Hosted on Acast. See acast.com/privacy for more information.

Should You Pay the Mortgage off Early or Invest it in Your Retirement?

Should You Pay the Mortgage off Early or Invest it in Your Retirement?

In this episode David and Cindy test the math on why it is better not to pay off your mortgage early and take any additonal money and invest it for retirement. Secondly, they discuss the stress relief that using the F-word provides. Next they discuss the how dogs are being trained to detect COVID and if cockroach milk may be the next superfood. Lastly, the human interest topic discusses the story of Rob Kenney who started a YouTube channel called "Dad How Do I?" to teach kids without a father how to do maintenance tasks around the house. Don't forget to subscribe to the show! Hosted on Acast. See acast.com/privacy for more information.

SOMM Promo - Upcoming Guests on the Show

SOMM Promo - Upcoming Guests on the Show

David and Cindy talk about the upcoming guests that will be coming on the show. Hosted on Acast. See acast.com/privacy for more information.

I Need $5,000 to Pay a Student Loan and $3 to Buy a Lamborghini

I Need $5,000 to Pay a Student Loan and $3 to Buy a Lamborghini

In this episode David and Cindy discuss how to adjust your budget to pay for expenses that occur quarterly, biannually or yearly. Next they field a question from a listener who wants to know if she should pay off her student loan becasue she has enough money in savings which will not be invested. Next they talk about how more families are eating dinner together again; will they continue with this tradition when COVID-19 is under control? In the Coronavirus montage they discuss cicadas, ear fungus from wearing earbuds and the story of a five-year old caught driving on the highway who was looking to buy a Lamborghini. Don't forget to subscribe to the show! Hosted on Acast. See acast.com/privacy for more information.

I'll Take Two Coronas, Please Hold the Virus

I'll Take Two Coronas, Please Hold the Virus

In this episode David and Cindy answer a question from a listener who has $3,000 to invest and wants to know where is a good place to park his money. They also cover the story about a108-year old woman who survived COVID-19. In additon, they discuss how IKEA is pitching in to help families create forts to keep their children occupied. Lastly, they discuss how online dating is bringing back some old school values and some new pick up lines. Don't forget to subscribe to the show! Hosted on Acast. See acast.com/privacy for more information.

Why You Need a Will and Why There's a Mother's Day

Why You Need a Will and Why There's a Mother's Day

In this episode David and Cindy disucss the importance of having a will to protect your loved ones. Other feature sets include the story of a kid who found $135,000 dollars at an ATM and gave it back and how a start up company developed wall dividers that have UV technology to disinfect slot machines. Lastly, we learn about the history of Mother's Day and give a shout out to the moms for this special occasion. Don't forget to subscribe to the show! Hosted on Acast. See acast.com/privacy for more information.

The $70,000 Minimum Wage

The $70,000 Minimum Wage

In this episode David and Cindy discuss how to contribute to your 401(k) and a Roth IRA to save money to buy a house. In the Conoravirus montage, they cover why the rat population has turned to cannibalism, why money laundering in LA has come to halt and why spousal cheating is on the rise due to online affairs. Lastly, they cover a story about Gravity Payments; a pioneering company that pays their employees a minimum wage of $70,000. Don't forget to subscribe to the show! Hosted on Acast. See acast.com/privacy for more information.

Spend More Money Now to Save More Money Later

Spend More Money Now to Save More Money Later

In this episode David and Cindy discuss whether or not if state governments are caving to pressure to opening their economies while risking a future COVID-19 outbreak. Secondly, they discuss the value of paying for quality products and services upfront and how it will save you money in the long run. In addition, you may be able to receive a higher tax return if you don't claim your children as dependents and allow them to receive their own stimulus checks. Lastly, they discuss a story about factory workers who didn't go home for 28 days to make materials for the medical community during the Coronavirus pandemic. Don't forget to subscribe to the show! Hosted on Acast. See acast.com/privacy for more information.

What came First the 401(k) or the Passol?

What came First the 401(k) or the Passol?

In this espisode David and Cindy discuss how to lower credit card interest, the ins ands outs of 401(k) loans and withdrawals and why you should try to avoid them. Also, regarding the toilet paper shortage, what was used to clean your butt in primitive times? In addition, going braless and commando are growing trends, but will you let your hair grow out? Lastly, who is that person that always kills the vibe in the text group chat? Don't forget to subscribe to the show! Hosted on Acast. See acast.com/privacy for more information.