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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And, Justin, does everyone really need a customized financial plan?

(Justin) Of course, because everybody’s different. There’s no one plan to fit everybody’s needs.

I tell anybody, knowing your values early on in life, they will change. Look, I would hope I’m more mature than I was at 18 — probably not much, depending on who you ask — but the reality of it is, the things I value in life have ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And, Justin, today we are talking about social security. Does your marital status actually have an impact on your Social Security benefits?

(Justin) It can, for sure.

(Kristen) Okay.

(Justin) Because if you are married, essentially you can take the greater amount if you earn more, and half of your spouse’s. You can draw half of theirs, even if you become divorced, if that marriage lasted ten years or more. Now I’m not ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And, Justin, what should business owners really keep in mind when they are applying for a small business credit card?

(Justin) So, the main things they want to think about is what are they going to use the credit card for, and are they established in the business to where they can apply, or do they have enough credit to set up to where the business can structurally support funding a ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And, Justin, it’s time to talk to us about funding a business. So, what are the options?

(Justin) So, you have several options. One would be using debt, the other using equity. 

Debt is going to be where you go to your financial institution and request a loan or a line of credit. Equity would be reaching out to friends or partners or investors to invest in your business. 

(Kristen) Yeah, and I ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And Justin, none of us are getting any younger. Not saying anything about age, I am the older one here – but when should we start saving, and how much of it should we be saving?

(Justin) As soon as possible, and I would say it’s all based – everybody always gives you these numbers. Experts and advisors, right? But it should be based on what you can do. Start small, ...