01/14/2020 The TDTPod comes to a close. We know you're sad, and trust us, we are too, but this only means better things to come at oXYGen Financial. In this episode Tyler &amp; Allison say goodbye to the pod after two years and share our most important financial tips and favorite episodes.    The last episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @AllieKayeSays - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

01/14/2020 The TDTPod comes to a close. We know you're sad, and trust us, we are too, but this only means better things to come at oXYGen Financial. In this episode Tyler &amp; Allison say goodbye to the pod after two years and share our most important financial tips and favorite episodes.  The last episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 92 | There's Never A Right Time To Say Goodbye

12/23/2019 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @AllieKayeSays - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

12/23/2019 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 91 

11/25/2019  The pod tells you how to save money on Thanksgiving dinners and at the grocery store. We also chat about Google entering the banking business, data hacking, and KB joins us to tell a story of how he almost got duped by a popular scam that's been recently circulating.  _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @AllieKayeSays - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

11/25/2019 The pod tells you how to save money on Thanksgiving dinners and at the grocery store. We also chat about Google entering the banking business, data hacking, and KB joins us to tell a story of how he almost got duped by a popular scam that's been recently circulating.  _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 90 | Thanksgiving Brings The Return of KB!

11/18/2019  This week is all about lists! We discuss the more than 10 public databases you never heard of before that you are likely a part of. We also talk about task management within a household and technology's new role in it.   _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @AllieKayeSays - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

11/18/2019 This week is all about lists! We discuss the more than 10 public databases you never heard of before that you are likely a part of. We also talk about task management within a household and technology's new role in it.   _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 89 | All About Lists

11/04/2019  Allison is just discovering the world of YouTube (we know, we know). Later in the episode, an attempt to give our opinions on Kanye's new album quickly jumps into a fast food review.  _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @AllieKayeSays - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

11/04/2019 Allison is just discovering the world of YouTube (we know, we know). Later in the episode, an attempt to give our opinions on Kanye's new album quickly jumps into a fast food review.  _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 88 | YouTube Rabbit Holes & Fast Food Reviews

10/28/2019  This week's episode is scary, but not because of Halloween. We're taking a hard look at the debt of the United States. We discuss our biggest budget items in the country and whether we think the US will ever pay off the debt. Follow along with our discussion at USDebtClock.Org.  _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @AllieKayeSays - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

10/28/2019 This week's episode is scary, but not because of Halloween. We're taking a hard look at the debt of the United States. We discuss our biggest budget items in the country and whether we think the US will ever pay off the debt. Follow along with our discussion at <a href="http://USDebtClock.Org" rel="nofollow" target="_blank">USDebtClock.Org</a>.  _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 87 | US Debt Clock

Ashton Kutcher

10/21/2019  This we talk about Ashton Kutcher's new show "Going From Broke" and how he is helping people with student loan debt and also talk about the democratic debate.  _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @AllieKayeSays - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

10/21/2019 This we talk about Ashton Kutcher's new show "Going From Broke" and how he is helping people with student loan debt and also talk about the democratic debate.  _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 86 | Democratic Debate and Ashton Kutcher No Longer Punking People

10/14/2019  This week's episode starts off with a discussion of Multi Level Marketing companies and why you should NOT forego paying your bills to join. We also touch on UberWorks, Healthcare, and the key players you will hear about during the impeachment talks.  _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @AllieKayeSays - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

10/14/2019 This week's episode starts off with a discussion of Multi Level Marketing companies and why you should NOT forego paying your bills to join. We also touch on UberWorks, Healthcare, and the key players you will hear about during the impeachment talks.  _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 85 | MLMs & More

10/7/2019  Elizabeth Warren &amp; Bernie Sanders are both proposing a wealth tax if they become President. This week we discuss what this means for the average American and how much tax revenue this can generate. Stick around for later in the episode for a discussion on auto loans &amp; HSAs! _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @AllieKayeSays - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

10/7/2019 Elizabeth Warren &amp; Bernie Sanders are both proposing a wealth tax if they become President. This week we discuss what this means for the average American and how much tax revenue this can generate. Stick around for later in the episode for a discussion on auto loans &amp; HSAs! _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 84 | Wealth Tax, Auto Loans, and HSAs

9/30/2019  With impeachment talks gaining steam in Congress the Pod will tell you how the impeachment process works and how this all plays out with Trump.  _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @AllieKayeSays - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

9/30/2019 With impeachment talks gaining steam in Congress the Pod will tell you how the impeachment process works and how this all plays out with Trump.  _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 83 | Impeachment

Three personal financial planners that span the spectrum of the millennial generation help you navigate personal finance, careers, and life as a millennial. This podcast is for millennials by millennials.

Great content! Definitely some people I can relate to and listen to on the regular.

Awesome

Love this podcast. So helpful and useful for millennials!

5 stars!

They Don't Teach You This Podcast

Southside Steve

05/20/2019   Yeah C'mon! Southside Steve is one of the most iconic radio legends in Atlanta history and this week he joins the TDTpod trio to talk about his entrance to radio and what he's learned along the way. This is a must listen! _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host   Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

05/20/2019 Yeah C'mon! Southside Steve is one of the most iconic radio legends in Atlanta history and this week he joins the TDTpod trio to talk about his entrance to radio and what he's learned along the way. This is a must listen! _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 67 | Yeah C'mon! with Atlanta radio legend Southside Steve

7/16/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host   Follow us on Facebook They Don't Teach You This Podcast   Kurt is out of the office for this episode so the rest of the gang took the time to let the audience get to know them a little bit more this week. After some brief descriptions of our lives thus far, we play a few games like the Top Five Things That People Do In Public That Annoy Us, we talk about if we ruled the world what laws we would make, and play a little game of Would You Rather. We had a lot of fun with this one and hope you enjoy listening! Back to teaching you about finances next week! --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

7/16/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> Kurt is out of the office for this episode so the rest of the gang took the time to let the audience get to know them a little bit more this week. After some brief descriptions of our lives thus far, we play a few games like the Top Five Things That People Do In Public That Annoy Us, we talk about if we ruled the world what laws we would make, and play a little game of Would You Rather. We had a lot of fun with this one and hope you enjoy listening! Back to teaching you about finances next week! --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 25: Getting To Know Your Hosts Allison and Tyler

Bernie Madoff

11/5/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host   Follow us on Facebook They Don't Teach You This Podcast   Newsroom Nye articles:      https://www.cnbc.com/video/2018/10/23/uber-and-lyft-race-to-go-public.html?__source=twitter%Cmain    https://www.cnbc.com/2018/10/24/heres-how-much-the-mega-millions-winner-will-get-to-save-and-spend.html      In this episode T Huck and KB discuss the rise and fall of Bernie Madoff. We hope you enjoy it!   --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

11/5/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> Newsroom Nye articles:  <ul> <li><a href="https://www.cnbc.com/video/2018/10/23/uber-and-lyft-race-to-go-public.html?__source=twitter%Cmain" rel="nofollow" target="_blank"> https://www.cnbc.com/video/2018/10/23/uber-and-lyft-race-to-go-public.html?__source=twitter%Cmain</a></li> </ul> <ul> <li><a href="https://www.cnbc.com/2018/10/24/heres-how-much-the-mega-millions-winner-will-get-to-save-and-spend.html" rel="nofollow" target="_blank"> https://www.cnbc.com/2018/10/24/heres-how-much-the-mega-millions-winner-will-get-to-save-and-spend.html</a></li> </ul> In this episode T Huck and KB discuss the rise and fall of Bernie Madoff. We hope you enjoy it! --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 39: Story Time: The Rise and Fall of Bernie Madoff

8/13/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host   Follow us on Facebook They Don't Teach You This Podcast     In this episode we chat about the differences between ETFs and mutual funds. Many young investors we meet with aren't clear what differentiates the two but there are some major differences! One is on a clear trend up in popularity and one is not. One costs more than the other...and so much more! Come take a listen so you can know the difference yourself! --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

8/13/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> In this episode we chat about the differences between ETFs and mutual funds. Many young investors we meet with aren't clear what differentiates the two but there are some major differences! One is on a clear trend up in popularity and one is not. One costs more than the other...and so much more! Come take a listen so you can know the difference yourself! --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 29: The Difference Between an ETF and a Mutual Fund

9/10/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host   Follow us on Facebook They Don't Teach You This Podcast     In this episode we chat about employee stock options. Many people receive different types of stock options through work and we want you know which each one is. Whether it is a non-qualified stock option, incentive stock, or restricted stock, it can be a nice perk at work. Come find out what the differences are between them so you can make the right decisions at work!   What is an employee stock option?  Grants the employees of a company the right to buy a certain amount of company shares at a predetermined price for a specific period. Often times this predetermined price is at a discount to what the shares were worth on the market at the time they were granted. Stock options come in two different types: non-qualified stock options and incentive stock options. The main difference is how they are treated when it comes time to pay taxes. We will get into the differences later. Ex: Home Depot grants an employee stock options, and the option agreement allows that Home Depot employee to purchase 1,000 shares of company stock at an exercise price, or strike price, of $50 per share - 500 shares of the total vest after two years and 500 more shares vest at the end of three years. This is called the “grant date”   We talked about vesting in a previous podcast but this refers to the employee gaining ownership over the options. It’s a way for the employer to get the employee to stay at the company.   Using this example, let’s say that Home Depot stock increases to $70 after two years, which is above that exercise price of $50. That Home Depot employee can exercise their options by purchasing the 500 vested shares at $50 and immediately selling those shares at the market price of $70. The transaction generates a $20/share gain, or $10,000 in total. Keep in mind that $10,000 is taxable. You don’t have to immediately sell the shares but that $10,000 spread (called the bargain element) is still taxed because it is considered compensation by the IRS - ONLY if you hold them for less than 1 year.. Then when you sell the stock, you are taxed at a capital gains rate, dependent on how long you’ve held the stock. Most companies grant these options with no cash outlay requirement from the employee meaning the employee doesn’t actually have to come out of pocket to buy those 500 shares at $50, the employer just pays the employee the difference. This is an expense for the employer which is why they tie these things to vesting schedules so they can have the ability to retain that key employee and get value of the the employee too. Let’s say the stock did not increase over that two year period and is at $40, the employee wouldn’t exercise their options but they would still retain them and have the option to exercise them in the future, even he or she left Home Depot. Most options do have an expiration date so you can’t hold them forever.    Types of employee stock options   Non-qualified stock options Most commonly offered type of stock option by companies. Typically offered to non-executive employees and outside directors or consultants  Called “non-qualified” because they do not qualify for tax advantages. You pay taxes two times when you exercise these:   1st: You pay ordinary income tax on the difference between the exercise price and market price as the IRS considers this compensation even if you havent actually sold the shares! 2nd: When you ultimately sell the stock, you will pay capital gains taxes. If you have held the stock for less than a year, you will pay ordinary income tax and if you have held the stock for more than a year, it is subject to long term capital gains rates. Non qualified options: 3-4 years vest 10 years to exercise or will become worthless If vested in non qualified and fired then have 90 days to exercise.      Incentive Stock options Strictly reserved for employees, and more specifically executives, of the company. Given more favorable tax treatment bc they meet specific rules laid out in the tax code  When you exercise ISOs, you do not pay ordinary income taxes on the difference between the market value and the exercise price. You ONLY pay capital gains taxes when you ultimately sell your stock. The bargain element (that spread between market value and exercise price) can trigger alternative minimum taxes, though. We won’t get into that right now but its something to know if you are in that type of tax bracket. If you are receiving any types of ISOs, there are some special tax requirements that have to be followed so you can reach out to us for those or a CPA. They have holding periods you have to meet before you can sell them and they can be pretty complicated.   Restricted stock options Became more popular in the mid-2000s as companies were required to expense stock option grants. Often used as a form of employee compensation Different from stock options in that there is usually no purchasing involved.  Predetermined amount of stock that belongs to an employee after certain restrictions are met.   Usually tied to some vesting schedule but can be tied to financial targets or goals for the company as well       Restricted stock units (RSUs) are a promise made to an employee by an employer to grant a given number of shares of the company’s stock to the employee at a predetermined time in the future.     No voting rights with RSUs An RSU must be exercised in order to receive the stock. You don’t buy the shares, rather you are awarded them outright. The employees in some cases can elect to receive the cash value of the RSUs in lieu of the stock.     Restricted stock awards are similar to RSUs but they do have voting rights because the employee owns the stock immediately once its awarded.     Restricted stock holders pay tax on the capital gain (if there is one) on the difference between the stock’s price on the date it vests and the date it is sold. In addition, restricted stock is taxable as ordinary income in the year it vests.    Employee Stock Purchase Plan A form of equity compensation that some companies offer their employees, with the intention of making it easier for workers to purchase company stock, often times at a discounted price. Up to 15%.  Allow employees to use after-tax payroll deductions to buy company shares Usually the employer will hold the contributions in an account and will have specified purchase dates throughout the year that will use the contributions to buy company shares. Either qualified or non-qualified plans    The 83(b) election is a provision under the Internal Revenue Code (IRC) which gives an employee, or startup founder, the option to pay taxes on the total fair market value of  restricted stock at the time of granting. The 83(b) election applies to equity that is subject to vesting, and it alerts the Internal Revenue Service (IRS) to tax the elector for the ownership at the time it of granting, rather than at the time of stock vesting. In effect, an 83(b) election means that you pre-pay your tax liability on a low valuation, assuming the equity value increases in the following years. However, if the value of the company instead declines consistently and continuously, this tax strategy would ultimately mean that you overpaid in taxes by pre-paying on higher equity valuation.   What is a 'Phantom Stock Plan' A phantom stock plan is an employee benefit plan that gives selected employees (senior management) many of the benefits of stock ownership without actually giving them any company stock. This is sometimes referred to as shadow stock. Rather than getting physical stock, the employee receives pretend stock. Even though it's not real, the phantom stock follows the price movement of the company's actual stock, paying out any resulting profits. --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

9/10/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> In this episode we chat about employee stock options. Many people receive different types of stock options through work and we want you know which each one is. Whether it is a non-qualified stock option, incentive stock, or restricted stock, it can be a nice perk at work. Come find out what the differences are between them so you can make the right decisions at work! What is an employee stock option? <ul> <li>Grants the employees of a company the right to buy a certain amount of company shares at a predetermined price for a specific period. Often times this predetermined price is at a discount to what the shares were worth on the market at the time they were granted.</li> <li>Stock options come in two different types: non-qualified stock options and incentive stock options. The main difference is how they are treated when it comes time to pay taxes. We will get into the differences later.</li> <li>Ex: Home Depot grants an employee stock options, and the option agreement allows that Home Depot employee to purchase 1,000 shares of company stock at an exercise price, or strike price, of $50 per share - 500 shares of the total vest after two years and 500 more shares vest at the end of three years. This is called the “grant date”</li> <li> <ul> <li>We talked about vesting in a previous podcast but this refers to the employee gaining ownership over the options. It’s a way for the employer to get the employee to stay at the company.</li> </ul> </li> <li>Using this example, let’s say that Home Depot stock increases to $70 after two years, which is above that exercise price of $50. That Home Depot employee can exercise their options by purchasing the 500 vested shares at $50 and immediately selling those shares at the market price of $70. The transaction generates a $20/share gain, or $10,000 in total. Keep in mind that $10,000 is taxable.</li> <li>You don’t have to immediately sell the shares but that $10,000 spread (called the bargain element) is still taxed because it is considered compensation by the IRS - ONLY if you hold them for less than 1 year..</li> <li>Then when you sell the stock, you are taxed at a capital gains rate, dependent on how long you’ve held the stock.</li> <li>Most companies grant these options with no cash outlay requirement from the employee meaning the employee doesn’t actually have to come out of pocket to buy those 500 shares at $50, the employer just pays the employee the difference. This is an expense for the employer which is why they tie these things to vesting schedules so they can have the ability to retain that key employee and get value of the the employee too.</li> <li>Let’s say the stock did not increase over that two year period and is at $40, the employee wouldn’t exercise their options but they would still retain them and have the option to exercise them in the future, even he or she left Home Depot.</li> <li>Most options do have an expiration date so you can’t hold them forever.</li> </ul> Types of employee stock options Non-qualified stock options Most commonly offered type of stock option by companies. Typically offered to non-executive employees and outside directors or consultants <ul> <li>Called “non-qualified” because they do not qualify for tax advantages.</li> <li>You pay taxes two times when you exercise these:</li> <li> <ul> <li>1st: You pay ordinary income tax on the difference between the exercise price and market price as the IRS considers this compensation even if you havent actually sold the shares!</li> <li>2nd: When you ultimately sell the stock, you will pay capital gains taxes. If you have held the stock for less than a year, you will pay ordinary income tax and if you have held the stock for more than a year, it is subject to long term capital gains rates.</li> <li>Non qualified options: 3-4 years vest 10 years to exercise or will become worthless</li> <li>If vested in non qualified and fired then have 90 days to exercise.</li> </ul> </li> </ul> Incentive Stock options Strictly reserved for employees, and more specifically executives, of the company. Given more favorable tax treatment bc they meet specific rules laid out in the tax code <ul> <li>When you exercise ISOs, you do not pay ordinary income taxes on the difference between the market value and the exercise price. You ONLY pay capital gains taxes when you ultimately sell your stock.</li> <li>The bargain element (that spread between market value and exercise price) can trigger alternative minimum taxes, though. We won’t get into that right now but its something to know if you are in that type of tax bracket.</li> <li>If you are receiving any types of ISOs, there are some special tax requirements that have to be followed so you can reach out to us for those or a CPA. They have holding periods you have to meet before you can sell them and they can be pretty complicated.</li> </ul> Restricted stock options Became more popular in the mid-2000s as companies were required to expense stock option grants. Often used as a form of employee compensation Different from stock options in that there is usually no purchasing involved. <ul> <li>Predetermined amount of stock that belongs to an employee after certain restrictions are met.</li> <li> <ul> <li>Usually tied to some vesting schedule but can be tied to financial targets or goals for the company as well</li> </ul> </li> </ul> <ul> <li>Restricted stock units (RSUs) are a promise made to an employee by an employer to grant a given number of shares of the company’s stock to the employee at a predetermined time in the future.</li> </ul> <ul> <li>No voting rights with RSUs</li> <li>An RSU must be exercised in order to receive the stock. You don’t buy the shares, rather you are awarded them outright.</li> <li>The employees in some cases can elect to receive the cash value of the RSUs in lieu of the stock.</li> </ul> <ul> <li>Restricted stock awards are similar to RSUs but they do have voting rights because the employee owns the stock immediately once its awarded.</li> </ul> <ul> <li>Restricted stock holders pay tax on the capital gain (if there is one) on the difference between the stock’s price on the date it vests and the date it is sold. In addition, restricted stock is taxable as ordinary income in the year it vests.</li> </ul> Employee Stock Purchase Plan A form of equity compensation that some companies offer their employees, with the intention of making it easier for workers to purchase company stock, often times at a discounted price. Up to 15%. <ul> <li>Allow employees to use after-tax payroll deductions to buy company shares</li> <li>Usually the employer will hold the contributions in an account and will have specified purchase dates throughout the year that will use the contributions to buy company shares.</li> <li>Either qualified or non-qualified plans</li> </ul> The 83(b) election is a provision under the Internal Revenue Code (IRC) which gives an employee, or startup founder, the option to pay taxes on the total fair market value of <a href="https://www.investopedia.com/terms/r/restrictedstock.asp" rel="nofollow" target="_blank"> restricted stock</a> at the time of granting. The 83(b) election applies to equity that is subject to vesting, and it alerts the Internal Revenue Service (IRS) to tax the elector for the ownership at the time it of granting, rather than at the time of stock vesting. In effect, an 83(b) election means that you pre-pay your tax liability on a low valuation, assuming the equity value increases in the following years. However, if the value of the company instead declines consistently and continuously, this tax strategy would ultimately mean that you overpaid in taxes by pre-paying on higher equity valuation.   What is a 'Phantom Stock Plan' A phantom stock plan is an employee benefit plan that gives selected employees (senior management) many of the benefits of <a href="https://www.investopedia.com/terms/s/stock.asp" rel="nofollow" target="_blank">stock</a> ownership without actually giving them any company stock. This is sometimes referred to as shadow stock. Rather than getting physical stock, the employee receives pretend stock. Even though it's not real, the phantom stock follows the price movement of the company's actual stock, paying out any resulting profits. --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 33: Navigating Employee Stock Options

Interview with Kevin starts at 7:25   04/15/2019 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Interview with Kevin starts at 7:25 04/15/2019 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 61 | Starting a Clothing Line with Kevin Tillis

 6/18/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice!  Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host @TedJenkin - Guest    Follow us on Facebook They Don't Teach You This Podcast    View the video version of this podcast on our YouTube channel: Cocktails with the BossMan   In this episode we talked to our boss and the founder and co-CEO of oXYGen Financial about a wide range of topics. From his thoughts on the millennial generation, when to get married, and what it's REALLY like having kids to the political climate, how the stock market actually works, and the best traits to have when trying to find a job, Ted takes us a through a long form discussion on all things finance, careers, and life. Just as your hosts intended it to be! Hope you enjoy! --- As usual, don't hestitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

6/18/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host <a href="https://twitter.com/tedjenkin" rel="noopener nofollow" target="_blank">@TedJenkin</a> - Guest Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> View the video version of this podcast on our YouTube channel: <a href="https://www.youtube.com/watch?v=h6nh3qMEZP0" rel="noopener nofollow" target="_blank">Cocktails with the BossMan</a> In this episode we talked to our boss and the founder and co-CEO of oXYGen Financial about a wide range of topics. From his thoughts on the millennial generation, when to get married, and what it's REALLY like having kids to the political climate, how the stock market actually works, and the best traits to have when trying to find a job, Ted takes us a through a long form discussion on all things finance, careers, and life. Just as your hosts intended it to be! Hope you enjoy! --- As usual, don't hestitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 21: Cocktails with the BossMan

01/28/2019   In this episode we chat about merging the finances with your significant other. Whether you are married or not, this can be a really hard thing to do! Two people coming from two completely different financial backgrounds who have done things their way their whole adult lives now have to find a way to do it a little differently?...Uh oh! We give you the tips and tricks to make it just a bit easier.  _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

01/28/2019 In this episode we chat about merging the finances with your significant other. Whether you are married or not, this can be a really hard thing to do! Two people coming from two completely different financial backgrounds who have done things their way their whole adult lives now have to find a way to do it a little differently?...Uh oh! We give you the tips and tricks to make it just a bit easier.  _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 50 | Merging Finances With Bae

02/18/2019   In this episode, the crew talks about finding yourself a financial advisor and what to look for when you do so. Questions to ask, things to look for, and services that you should look at are all topics discussed here. Main topic starts at 20:20. _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

02/18/2019 In this episode, the crew talks about finding yourself a financial advisor and what to look for when you do so. Questions to ask, things to look for, and services that you should look at are all topics discussed here. Main topic starts at 20:20. _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 53 | Choosing a Financial Advisor

04/08/2019 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

04/08/2019 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 60 | Living Within Your Means

Shantel Khleif

01/21/2019 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host   Follow us on Facebook They Don't Teach You This Podcast   In this episode we sit down with Shantel Khleif, co-founder and CEO of Imagine Media Consulting in Atlanta, and ask her questions about starting and running a business as a millennial.  --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

01/21/2019 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> In this episode we sit down with Shantel Khleif, co-founder and CEO of Imagine Media Consulting in Atlanta, and ask her questions about starting and running a business as a millennial.  --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 49: Imagine Media Consulting CEO Shantel Khleif

7/23/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host   Follow us on Facebook They Don't Teach You This Podcast     In this episode we chat about the different ways to save for education so your kids don't have to take out those giant student loans! --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

7/23/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> In this episode we chat about the different ways to save for education so your kids don't have to take out those giant student loans! --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 26: Ways To Save For Education

8/20/2013 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host   Follow us on Facebook They Don't Teach You This Podcast     In this episode we break down the moves you should be making in your personal financial lives to improve your financial picture. We went live in front of a crowd at Imagine Media Consulting in Atlanta and had a great time sharing our knowledge with the people there. Thanks to Shantel Khleif, the co-founder and co-owner of Imagine Media Consulting and for everyone that showed up to improve themselves that night. It was a great night and one we won't soon forget!   --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

8/20/2013 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> In this episode we break down the moves you should be making in your personal financial lives to improve your financial picture. We went live in front of a crowd at Imagine Media Consulting in Atlanta and had a great time sharing our knowledge with the people there. Thanks to Shantel Khleif, the co-founder and co-owner of Imagine Media Consulting and for everyone that showed up to improve themselves that night. It was a great night and one we won't soon forget! --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 30: Financial Moves You Should Be Making (Live from Imagine Media Consulting)

10/29/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host   Follow us on Facebook They Don't Teach You This Podcast   Newsroom Nye articles:  Marijuana legalization: https://www.nytimes.com/2018/10/17/world/canada/marijuana-pot-cannabis-legalization.html   In this episode we discuss the psychology of investing. We touch on what really drives the market, having overconfidence in your portfolio, experiencing confirmation bias, familiarity bias, and experiencing the endowment effect. Being a disciplined investor is extremely tough so listen to this episode to get educated!   --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

10/29/2018 The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> Newsroom Nye articles:  Marijuana legalization: <a href="https://www.nytimes.com/2018/10/17/world/canada/marijuana-pot-cannabis-legalization.html" rel="nofollow" target="_blank">https://www.nytimes.com/2018/10/17/world/canada/marijuana-pot-cannabis-legalization.html</a> In this episode we discuss the psychology of investing. We touch on what really drives the market, having overconfidence in your portfolio, experiencing confirmation bias, familiarity bias, and experiencing the endowment effect. Being a disciplined investor is extremely tough so listen to this episode to get educated! --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  You can subscribe to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 38: The Psychology of Money

07/16/2019 Allison &amp; KB discuss the SECURE Act that is currently making its way through Congress. They also discuss why some millennials still feel like they are living paycheck to paycheck while others are feeling the best about the economy that they've ever felt.  _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host   Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

07/16/2019 Allison &amp; KB discuss the SECURE Act that is currently making its way through Congress. They also discuss why some millennials still feel like they are living paycheck to paycheck while others are feeling the best about the economy that they've ever felt.  _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 74 | SECURE Act & Living Paycheck to Paycheck

Jonathan Hessing

02/04/2019   In this episode, T Huck tells a story about running into a big celebrity in Atlanta (2:30), we do a little Newsroom Nye (8:00), chat with our guest co-founder and VP of Business Development at Streaming Global Jonathan Hessing (14:30), and play a classic round of Buy or Sell (53:20). _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

02/04/2019 In this episode, T Huck tells a story about running into a big celebrity in Atlanta (2:30), we do a little Newsroom Nye (8:00), chat with our guest co-founder and VP of Business Development at Streaming Global Jonathan Hessing (14:30), and play a classic round of Buy or Sell (53:20). _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 51 | Creating a Startup with Jonathan Hessing

07/29/2019  The trio is back together this week to discuss the current mortgage market, how much you should tip, and whether marriage licenses should expire.  _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host   Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

07/29/2019 The trio is back together this week to discuss the current mortgage market, how much you should tip, and whether marriage licenses should expire.  _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 76 | Mortgages, Tipping, and Marriage

08/06/2019  This week Allison &amp; Tyler discuss whether presidents should release their tax returns and anxiety rates.  _____   The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to www.oxygenfinancial.net today to get your own personal financial advice! Follow us on Twitter @tdtpod - Podcast Twitter account @TylerHuck - Host @KurtDBrucker - Co-Host @AllieKayeSays - Co-Host   Produced and Engineered by Tyler Maynard Follow us on Facebook They Don't Teach You This Podcast --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

08/06/2019 This week Allison &amp; Tyler discuss whether presidents should release their tax returns and anxiety rates.  _____ The latest episode of the "They Don't Teach You This Podcast" is brought to you by oXYGen Financial, serving the X &amp; Y Generation and millennials since 2008. oXYGen provides financial planning and investment advice and allows you, the listener, to book a consultation with Tyler or Kurt for FREE with no obligation to move forward. Just go to <a href="http://www.oxygenfinancial.net" rel="nofollow" target="_blank">www.oxygenfinancial.net</a> today to get your own personal financial advice! Follow us on Twitter <a href="https://twitter.com/tdtpod" rel="noopener nofollow" target="_blank">@tdtpod</a> - Podcast Twitter account <a href="http://www.twitter.com/tylerhuck" rel="noopener nofollow" target="_blank">@TylerHuck</a> - Host <a href="http://www.twitter.com/kurtdbrucker" rel="noopener nofollow" target="_blank">@KurtDBrucker</a> - Co-Host <a href="https://twitter.com/alliekayesays" rel="noopener nofollow" target="_blank">@AllieKayeSays</a> - Co-Host Produced and Engineered by Tyler Maynard Follow us on Facebook <a href="https://www.facebook.com/tdtpod/" rel="noopener nofollow" target="_blank">They Don't Teach You This Podcast</a> --- As usual, don't hesitate to tweet us or message us on Facebook with questions, comments, or feedback.  Please SUBSCRIBE to the podcast anywhere you find your podcasts.  Please rate and review us on iTunes! We hope you are already breathing easier about life!

Episode 77 | Taxes & Anxiety

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