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Episode 12 – Your 401(k) Is Not Your Piggy Bank – with Malcolm Ethridge



When it comes to your 401(k) plan, you want to keep your hands off for as long as possible. The longer those funds can compound and grow, the better.

In this episode, Malcolm Ethridge speaks about his recent blog that left a few people uneasy about the message he was getting across. Malcolm discusses why he believes that you should not be borrowing from your 401(k) and what could happen if you do.  

In this episode, we discuss:

  • The unintended consequences of 401(k) plan loans and early distributions
  • The Cares Act and its impact on 401(k) plan distributions 
  • The growing trends around 401(k) loans and debt consolidation  
  • Alternative ideas to access capital instead of tapping into your 401(k)
  • And more!

Tune in to discover how tapping into your 401(k) plan could hurt you in the long run and what you should be doing instead! 

Resources: MalcomEthridge.com | Malcolm Ethridge | Malcolm’s Blog | Malcolm on Twitter


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Episode 11 – Turning to Franchising as a Second Act – with Boynton Weekes



The world of franchising includes more than just fast food

In this episode, Malcolm Ethridge is joined by Boynton Weekes, a franchise business consultant with FranNet. Malcolm and Boynton take a deep dive into all things franchising, from selecting the right concept, how to finance it, and how much time it really takes to own and operate your own franchise.

In this episode, we discuss:

  • What commonly known businesses are franchises 
  • The Semi-Absentee Model of franchising  
  • What the average franchise costs to get up and running  
  • Time commitments to owning and operating a franchise 
  • Boynton’s advice to anyone looking to franchise 
  • And more!

If you’ve ever thought of buying a franchise as a great way to become an entrepreneur or as an interesting way to diversify your overall investment portfolio, then this episode is for you!

Resources: MalcomEthridge.com | Malcolm Ethridge | Malcolm’s Blog | Malcolm on Twitter | Boynton Weekes | FranNet


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Episode 10 – From Basketball Superstar to Venture Capital Rookie — with Alana Beard



Have you ever been curious what a basketball star does once they have left the game? 

In this episode, Malcolm Ethridge is joined by WNBA champion Alana Beard. Listen in as they discuss Alana’s journey to professional basketball and her recent pivot into Venture Capital. Alana shares which parts of her own personal journey have helped her find success in the world of venture capital, as well as what she’s building toward in her second career.

In this episode, you will learn about:

  • Alana’s love of basketball and competition
  • How Alana networked her way into an opportunity at the prestigious Silicon Valley Bank 
  • Her current mission to bring other female athletes into the world of venture capital investing
  • Alana’s passion in creating opportunities for our youth
  • And more!

Tune in now to hear more about Alana’s progression from basketball to Venture Capital. 

Resources: MalcomEthridge.com | Malcolm Ethridge | Manage Your Damn Money | Alana Beard 


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Episode 9 – The Ins and Outs of Donor Advised Funds – with guest Mary Jovanovich



When it comes to charitable giving, there’s more to it than simply writing a check to a few non-profit organizations near the end of the year and claiming a tax deduction.

In this episode, Malcolm Ethridge is joined by Mary Jovanovich, senior relationship manager with Schwab Charitable, as they dive into the world of Donor Advised Funds. Malcolm and Mary introduce the concept of donor advised funds and delve into some of the more nerdy details of how and why you might want to incorporate one into your charitable giving strategy. 

In this episode, we discuss:

  • Mary’s passion for philanthropy and the causes she supports
  • What Donor Advised Funds are and what they do  
  • The differences between a Donor Advised Fund and a Family Foundation  
  • The strategy of Stacking or Bundling your gifts to charity
  • The tax advantages of gifting publicly traded stock instead of cash
  • And more!

Tune in to discover the benefits of using a Donor Advised Fund and how it can help you better track your charitable giving. 

Resources: MalcomEthridge.com | Malcolm Ethridge | Malcolm’s Blog | Malcolm on Twitter | Mary Jovanovich | Schwab Charitable


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Episode 8 – The Return of the Retail Investor — with Chris Hill



Since the onset of the pandemic, we have seen a renewed interest in the markets from so-called retail investors – otherwise known as Mom-and-Pop or Main Street investors. 

What does this mean for the markets long-term?

In this episode, Malcolm Ethridge is joined by the one and only Chris Hill, host of the Motley Fool Money podcast by the Motley Fool. Malcolm and Chris give their respective takes on what could be the driving force behind this movement and whether they think it’s here to stay. They also discuss the ways in which social media has impacted the stock market and what they expect the lasting effects could be.

In this episode, we discuss:

  • The Motley Fool platform and the ways it has evolved   
  • Ways that professionals in the financial services arena can help to curb the irrational exuberance of new investors  
  • The renewed interest in investing by Main Street investors.
  • Chris’s advice for anyone getting started investing today  
  • And more!

Tune in to hear some advice from a seasoned veteran on how to be smart about making that first investment. 

Resources: MalcomEthridge.com | Malcolm Ethridge | Chris Hill | Motley Fool Money Podcast


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Episode 7 – Performance Coaching to get you to the next level— with Christy Rutherford



Have you ever experienced that “stuck” feeling in your career? Do you appear successful to everyone around you but have a hard time seeing it yourself? Have you ever wondered what performance coaching looks like?

In this episode, Malcolm Ethridge is joined by Christy Rutherford, founder and CEO of Vision Finder International. Christy and Malcolm dive into conversations about performance coaching while Christy shares her own story of how she went from working herself into a burnout to teaching others how to avoid it. 

In this episode, you will learn about:

  • How Christy’s journey has lead her coaching and consulting
  • What performance coaching is and how to know if you need it
  • Why Christy’s niche is with women in leadership 
  • Why she believes you need to make yourself a priority to succeed
  • Behaviors people tend to display that hold them back in the workplace
  • And more!

Tune in now to hear more on why you should be making yourself a priority, avoiding the fight club at work!

Resources: MalcomEthridge.com | Malcolm Ethridge | Christy Rutherford | ChristyRutherford.com | Change Now With Christy


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Episode 6 – Key Tax Considerations for Americans Working Abroad – with Katrina Haynes



When given an assignment to work abroad, thinking about taxes and where you owe them can be the last thing on your mind.

In this episode, Malcolm is joined by Katrina Haynes, international tax expert and founder of Haynes and Associates, as they take a deep dive into understanding what happens with taxes when you are working away from your home country. They take a look at various scenarios on how taxation might occur.

In this episode, we discuss:

  • The difference between an expatriate and foreign national  
  • The 2 Key exclusions to paying income taxes twice  
  • How banking in a foreign country is tracked
  • What happens with your Social Security and 401(k) when you are abroad  
  • And more!

Tune into this episode for advice and hear real life scenarios on ways to handle your taxation abroad.

Resources: MalcomEthridge.com | Malcolm Ethridge | Katrina Haynes | Haynes and Associates 


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Episode 5 – From Employee to Employer – with Calvin Williams



Some say entrepreneurship is the new job security. We aim to explore what entrepreneurship looks like first hand and what it takes to be successful.

In this episode, Malcolm is joined by Calvin Williams, CEO of Freeman Capital, as they discuss what it takes to be an entrepreneur and how you can make your side hustle into your full time job.

In this episode, you will learn about:

  • Calvin’s story of becoming an entrepreneur  
  • Why Calvin created Freeman Capital  
  • What sets Freeman Capital apart from competitors  
  • The financial planning associated with becoming an entrepreneur
  • Calvin’s advice to anyone wanting to pursue entrepreneurship  
  • And more!

Tune into this episode to hear real life stories and advice from someone who was able to make the leap into entrepreneurship.

Resources: MalcomEthridge.com | Malcolm Ethridge | Manage Your Damn Money | Calvin Williams | Freeman Capital 

 


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Episode 4 – It’s Tax Time. Should You DIY or Hire a Pro? — with Erica James



Do you dread the time of year when you have to file your taxes? Do you feel overwhelmed about how to file or all of the information you need? 

In this episode, Malcolm Ethridge is joined with Erica James, Manager and Client Advisor at SBSB Financial Advisors, and they dive into the conversation about tax time. In this episode, Malcolm and Erica identify when it might be okay for you to DIY your taxes and when you should consider seeing a professional! 

In this episode, you will learn about:

  • The differences between a CPA, EA and Tax Preparer 
  • Making Changes once you have submitted a tax return 
  • Why it is so important to maintain good records 
  • Why you need to do your due diligence when choosing a tax professional
  • And more!

Tune in now as we uncover some important reasons why you might consider doing your taxes DIY or hiring a professional for this once a year activity! 

Resources: MalcomEthridge.com | Malcolm Ethridge | Erica James | SBSB Financial Advisors


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Episode 3 – Are You Asking the Right Questions of Your Financial Advisor? — with Malcolm Hodge



Are you asking the right questions for yourself and your financial goals? When you first begin looking for a financial advisor, there are some things you should be asking yourself.

In this episode, Malcolm Ethridge is joined by Malcolm Hodge, strategic sourcing manager at Microsoft. Malcolm puts Malcolm in the hot seat, asking questions he needs answers to, keeping in mind the interests of fellow tech professionals and what they need to know when choosing a financial advisor.

In this episode, you will learn about:

  • How do you know if an advisor is a fiduciary and what this means 
  • The varying ways that financial advisors are compensated
  • What questions you should be asking your financial advisor before hiring them
  • Malcolm’s personal investment philosophy
  • And more!

Tune in to hear the questions you should be asking your advisor!

Resources: MalcomEthridge.com | Malcolm Ethridge | Why It Matters Your Financial Advisor is a Fiduciary | The Intangible Benefits of Working With a Financial Advisor | Malcolm Hodge