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(Kristen) Welcome to Money Matters at 7:57 with Justin Chastain. And Justin, so we want to talk about health savings accounts. So, what are the benefits and some tax advantages of that?

(Justin) That’s right. Everybody’s wanting to know. Health is the biggest topic around financial wellness most people are looking at, because it’s going to be the biggest in retirement. It’s also the most uncertain when we first start our careers, right? But health savings accounts, as long as you ...

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(Kristen) Welcome to Money Matters. It’s 7:57 with Justin Chastain. And, Justin, today we are just trying to understand those auto loans. There are so many options. What’s the best advice?

(Justin) Yep. That’s definitely true. So, the best thing you can do is just understand your values. You know, write down your values personally, professionally, and financially, and then reach out to a trusted advisor to help you along the way.

(Kristen) Yeah, the advice always helps, but a lot of ...

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(Kristen) Welcome to Money Matters at 7:57 with Justin Chastain. And Justin, today we are looking into that exciting world of tax brackets. So everybody wants to know, at least, what are the basics.

(Justin) Because taxes are so fun, right? But a marginal tax bracket is — whatever you are earning in your total income that you are reporting — that last dollar earned is what’s gonna be in a marginal tax bracket.

(Kristen) OK, and for the people that, you ...

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(Kristen) Welcome to Money Matters at 7:57 with Justin Chastain. And, Justin, health savings accounts. We hear this a lot: HSAs. So, they’re a little confusing. Can you help us out?

(Justin) For sure. So, the great thing about health savings accounts: It does help reduce your overall health cost if you put a little back before that expense comes up.

(Kristen) Okay.

(Justin) You also get some tax advantages from it because the money that you put into your health savings account ...

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(Kristen) Welcome to Money Matters at 7:57 with Justin Chastain. And, Justin, let’s talk about renter’s insurance. So, a lot of people want to know, what is it for?

(Justin) So, renter’s insurance protects you and your belongings, but it can even protect you outside of the dwelling that you’re renting.

(Kristen) Oh, really?

(Justin) It can. So, it gives you additional liability. So, for instance, say you take your laptop to Starbucks — and apparently you got to have a special tray ...

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(Kristen) Welcome to Money Matters at 7:57 with Justin Chastain. And, Justin, what should we consider when choosing a mortgage lender? Hot topic right now.

(Justin) For sure. Just like in any trusted advisor in your life, whether it’s in accounting, insurance, banker, make sure your mortgage lender is looking at your whole financial picture, not just saying, “Hey, I can beat this rate.” Well, what if the payment or what if the house you’re in fits your values better? They ...

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(Kristen) Welcome to Money Matters at 7:57 with Justin Chastain. And, Justin, OK, so back in January, a lot of us might have made some resolutions to save, but a lot of us may have fallen off track. So, what are the causes? I mean, the reason we do that?

(Justin) Out of sight. Out of mind. You know, resolutions, I always say, are meant to be broken. That is the one thing that we can commit to, that we will ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And, Justin, so, buying a house right now, mortgages are hot. This is a hot topic, but I don’t think that a lot of people understand the vocab that goes into it, so explain it to us.

(Justin) That’s exactly right, and you are right. Mortgages are hot, and the reality of it is, that’s not a good or bad thing. It’s just right now, with the environment that we’re in, ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And, Justin, loaded question here: Are financial advisors really that important?

(Justin) That depends. I’m kidding. Yes, they are. But you need to make sure you find the right one. It’s just like finding a doctor, a specialist, or anybody. You need to find the right one that understands your values and gives you a plan and a solution, not just slinging products.

(Kristen) Yeah, and I guess there are some differences, ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And, Justin, how about some advice for our new grads out there that are going to start making that transition from what we call the college budget to a real paycheck?

(Justin) Good luck! I kid, because that’s the advice that most of us got. The reality of it is you can do little things to make personal finance fun, whether you’re in high school or you’re a teenager thinking about ...