everyone has their own unique views and needs when it comes to financial success if you'd like to leave your financial woes behind and live a life of Financial Freedom you've come to the right place welcome to the saving with Steve show hosted by Steve Sexton the show will help you with the ins and outs of money we talked about financial issues that could be costing you thousands of dollars and keeping you up at night we talked about money tax reduction saving more spending less 401K risk management retirement and everything under the sun that relates to you having a healthier happy relationship with money now here is your host of saving with Steve Steve Sexton hello welcome to the same thing with Steve show where we talked about the ins-and-outs of money pretty much everything under the<br> I see you having a happier healthy relationship with money on it thank you for joining us today I do want to thank you for sharing this with your friends family and Associates are viewership and listenership is well over 700,000 Oz were very thankful for you just sharing this with it now springs on the way okay some place and still got a little snow here and rain and all that stuff but many are trying to plan for the next travel Adventure how would you like to go on vacation of your dreams those dream vacations are typically daunting and wavy on your but don't worry we have told Chris here he's going to teach us all the travel precautions had a plan that trip The Insider tips and tricks are going on your dream vacation without breaking the bank sometimes as much as 90% off you going to want to stick around for That interview but first let's talk about what's going on<br> in the market and how it's going to affect you the whole shot so you know folks as of this day it's going to take a major event for the market the downturn this unrealistic exuberance and we're seeing right now it's just like we were in 1999 2007 2022 we have things that are just not realistic the events that took down those were Tech bubble the mortgage crisis as well as the pandemic let's take a moment and get to the nitty-gritty of what's happening to make the market go down right now we're in a period of unrealistic exuberant just you for it and we have to take a step back the reason why because we're all the different stages your life we were 50 years old like bird 2008 when it hit then most of you are listening to me today you're in your 50s 60s 70s and 80s<br> we need to take a step back and talk about what's really happening talk a lot about purpose for some performance and then need to make you're obligated money isolated from all those different economic storms that can attack your lifestyle think about what's going on today the market right now Everybody's Talkin about that Magnificent Seven sync The Magnificent Seven yes it's a big difference is 7 it's not really the Magnificent Seven it's actually the final four it's almost like that basketball tournaments going on right now when you think about it that has those markers are being propped up on the back to 284 stocks and if you look at the returns of those for stocks versus that of the rest of the SNP there's a massive disparity remember what's happened in 1999<br> back in the infancy when miniview started investing some of you might remember okay we didn't feel it when we're younger because we had a job for back you up<br> in 2007 again unrealistic zuberenz it took an event to burst the bubble my question to you do you feel we're in a bubble today<br> because the definition of 224 stocks carrying the enormous weight of the entire Market to me my definition and most of the experts out there would call it a bubble<br> it could take a major event now what could that have been be think Juba lytical think about what's happening in Russia Gaza the supply chain issues in China the disruption in this fighting issues because of the Red Sea issues as well as the impact that happened in the Baltimore Harbor what's important to talk about the aspects of money<br> we need to have a clear understanding on the functionality of our money the money we work so hard for safe for so many years because so much more money is caught or invested in one area and that areas performance once we are in retirement there's money that is 100% obligated to support and maintain your lifestyle<br> it is referred to his purpose money this money supports and maintain your lifestyle and covers your health care costs only now but later in life time is not an ally of purpose money because you need it now if the purpose money is not protected your options are going to be to be reducing your lifestyle or cannibalizing your assets performance money on their hand is money that's not obligated to you money that is here today gone tomorrow it doesn't have an effect on your everyday life<br> time is the alloy of proposed money because you didn't look at all the studies it might go up and down like that but it's somewhere down in the future it's going to be higher<br> given time God willing everybody survives the night with virus okay<br> and at some point in the future your body will grow back the question you want to have now is this<br> should your purpose money<br> be obligated to what's going on or be subject to what's going on in the market right now<br> something to ponder on today I want to thank you for joining stay here on saving with Steve we're going to be right back and then introduce you to Chris class so stick with us and we'll be right back more expert advice for having a happier relationship with money still to come on the saving with Steve show<br> don't let your financial woes keep you up at night and prevent you from living a life of Financial and personal freedom hi I'm Steve Sexton post of the saving with Steve show where did he talk about the in an ounce of money Hills financial issues it could be costing me thousands of dollars causing stress keeping you up at night we're going to talk about money tax reduction saving more spending your investment risk management retirement and everything is so sweet with you having a healthier happy relationship with money soon as you've ever dreamed of living a life of Financial and personal freedom you owe it to yourself and your family to tune in to the saving with Steve show join me Steve section of the saving with Steve show as we talked about everything under the sun when it comes to money to learn more about the show visit saving with Steve. Us that's saving with Steve. Us saving with Steve. Us will see you soon<br> welcome back to the show that is here to help you achieve your financial goals it's the saving with Steve show now here's your host Steve Sexton show where we talked about the ins-and-outs of money pretty much everything on the southern like you having a healthier happy relationship with money I want to thank you for joining us I want to thank you for sharing with your friends got over $700,000 and we're really grateful for all that all the replays are available at w.w. Saving with Steve's tax I was saving was Steve. You as if you're enjoying the story like you will today of helpful information and insights and saving with Steve and encourage you to subscribe to your YouTube channel. So you never miss the show check out a few of our Affiliates UK help radio all these networks are dedicated to empower you to solve your problems uplift your spirit and live a life of personal financial Freedom by the way you can also follow us on Facebook and saving with Steve Sexton check out the Insiders Club<br> guess guess the holeshot what I'd like to do right now is just introduce you to coach Chris see springs on the way many people are trying to travel for that next plan for the next travel then how would you like to go on the vacation your dreams those dream vacations are typically daunting very expensive don't worry with Coach Chris year he's going to teach us how to deal with all the travel precautions Insider tips and tricks and going on your dream vacation without breaking your back so with that I want to enter your code Chris Coates thanks for doing this today thanks Steve it's a pleasure to be here again I'm really happy or listeners love you they love the information that you provide but let's get to it we're going to be talking today<br> about<br> precautions planning and how to save some money so let's first of all start talking about travel precautions what does things that people need to be prepare for before they go on a trip from a precaution standpoint plan in advance leave more time to get to the airport one chip if you know you could join if you do fly often or even a few times a year get the TSA membership it's Pichu through the line that sort of thing get the apps of your Air Lines on your phone so you could check before you go to the airport if your flights on time Cancel look at other options Etc so in this busy summer travel time that's a good tip to start off at all so if you're staying at locations I'd avoid are being D I mean my opinion because you're much better off running a time to hear from one of the hotel change it to meet their safety secure<br> standard where to stay at an Airbnb your guess is somebody saw him and you don't know what sanitary security measures are are plus you're not going to get the full Resort amenities so those are a couple of tips speak about but in his busy season also check alternate airports a lot of times than your area like I'm coming out to California last week of June I'm going to look to save money was I'm better off line in your neighborhood in San Diego or Orange County John Wayne or LAX you should be a big difference flight time convenience so and same thing where I am in Florida I'm in Palm Beach area when I take a trip back you know the California or anywhere else check all three airports Fort Lauderdale where I live on the beach as well as by a me now or fortune in Florida to have a high-speed rail is 110 miles an hour right into the airport so if you have to get to the airport and I'll have to worry about dropping you<br> a transportation so if it's still attached getting to the least expensive most convenient airport that's wonderful let's talk about<br> how do we go about planning the next trip you know obviously we get all the precautions prepare for the airport so let me ask you this I know you go to Europe<br> we are going to Europe what are the things that you should be concerned about when you're going to Europe what are the things that you should plan for especially if you're taking a trip there what would be what would be the steps to take number one rule plan in advance if you do you want to go to Europe look at the offseason check what airlines go there another words there's a lot of airlines fly to Europe a lot there's a lot of reciprocity on Airlines credit card in her miles and loyalty programs do if you have a lot of miles will stay with Delta or American United see what European airlines accept their currency so to speak that you could utilize on their trips same thing with American Express they have members if I'll see what European airlines are there in partnership with the usurer<br> basically loyalty frequent flyer currency and again like I told your audience before don't all just think about hotels motels hotels look at all the major Hotel chain and on hotel chains have timeshares vacation clubs all over Europe I know Marriott does Hilton excetera look at that option as opposed to hotels now we get into here's the precautions here's what we need to do how do we go about finding some great deals on travel<br> yeah well the two biggest aspects just I've told your audience before our Airline charges and accommodation that a chance to study say about eighty-five 90% in with their Alliance pick your destination if you want to go to it's on your bucket list family reunions vacation etcetera and find out what airline goes there and all you could Google that and then if you don't have their thanks sponsored credit card yet it get to sign up bonus because every Airline is a mention to your audience before I don't care if it's Southwest United American Delta urine people do in your area to Hawaii Aloha Hawaiian are they all have a bank sponsored credit card in a sign-up bonuses you spend x amount of money and you get miles of front and then you don't pay it also luggage check-in<br> and a lot of the credit cards you get priority boarding so figure out what you want to go that's the gate what airline takes you there and then make sure you and your spouse get their credit card and that's how you're going to fly for free basically it will planning and Advance you have to spend the minimum but if you learned at Rick's like I tell people you could put your car insurance like I do at home owners insurance that adds up on the credit cards to get the initial spending amount done and you're going to save a heck of a lot of a money<br> Star Wars again planned a trip destination figure out what airline goes there and make sure you have that Airlines Bank sponsor credit card each one with her it's the Southwest like I said United American Delta they all have seen you said that because I just got a notification Southwest has if you sign up and spend $5,000 they'll give you a hundred thousand points<br> yeah I mean that's the way to go and then you leverage that I think about it if you're married you you got one wants you to do the minimum spending or whatever and your spouse get one it adds up and if you have a business like you do or I do you get the business version of the card so that's an additional leverage point and these things they do add up another tip while we're on this subject is the currency valued as frequent flyer miles for an inflationary cycle have going away way up in other words used to fly round trip with 25 30,000 miles now they want 75 100,000 miles do I have to cumulate a loyalty miles just be cognizant playing in advance you might have to make two stops and said I wanted to say 50% day of the week I mean there's a wide gamut of the number of points you need for a trip so it take<br> if you're trying to save the most money like I do and my clients do after you have the frequent flyer miles you go to the app with the airline of your choice and look at the options of different days of the week what do you want to make one stop two stops excetera I use myself as an example I came back from the end of the ski season from Reno back to Florida and I know I have plenty of the American airline miles but by making one extra stop that cost me another 2 hours I say like 40,000 Frequent Flyer points equivalent for hundred bucks for maybe an hour or two hours of my time so they're only worth four hundred bucks so it's a game but they cognizant and warned the rules how to play the game X changes everyday<br> I was just going to say we play that game too we were planning a trip to Europe and other daughter that lives out of state so we were thinking about he will fly you into LAX which is cheaper to go over and all that kind of stuff and when we figured it all out we saved the equivalent of $300 per ticket and obviously points by actually taking a flight from LAX to London a $50 flight to Paris of $50 flight to Ireland in the flight home from Ireland to LAX just because it's on a Friday we are actually spending the equivalent of about $900 when it should be $1,400 per ticket so that's $2,000 off for the four of us we're loving that you hit the nail on the head it does take some time that's why you have to be a travel coach through packing it takes a little bit of time and effort but you could save a heck of a lot of money<br> that way do your research plan in advance like you said look at alternative airports alternative days and you know what 1 + 1 is 2 and just figure it out easy Ashley for a family traveling the single person who might be different but when you're on a family reunions family vacation you put all the travel cost together and makes a heck of a lot of pot again look for different they speak flexible in your days of the week cuz you're such a big difference in a mileage is once you have these cards in miles to use they should we change plan in advance and look at alternative airport just like you stated that is interesting cuz it took about 2 weeks but was really interesting the more my wife check the more notification she got for lower prices<br> and then when it got down to it they was so funny because it was so much more expensive to leave from London but Dublin sister smaller airports in international airport but it's a smaller one and we were really surprised it was not listed Spencer but obviously they don't have this many Travelers is Heathrow or Gatwick does or anything like that I'll make something different you know my son big shot of town or deter you just spent a month in Australia it on business and then a New Zealand he just checked was on his father this is how you do it anyway I end up saving thousands and his wife just being flexible doing the extra research you know international flights to be right back with more saving to Stephen Koch pretzel stick with him more expert advice for having a happier relationship with money still to come on the saving with Steve show<br> don't let your financial woes keep you up at night and prevent you from living a life of Financial and personal freedom hi I'm Steve Sexton post of the saving with Steve show where to be talking about the in an ounce of money does Financial issues it could be costing me thousands of dollars causing stress keeping you up at night we're going to talk about money tax reduction saving more spending your investment risk management retirement and everything is so sweet with you having a healthier happy relationship with money soon as you've ever dreamed of living a life of Financial and personal freedom you owe it to yourself and your family to tune in to the saving with Steve show join me Steve sex and out of saving with Steve show as we talked about everything under the sun when it comes to money to learn more about the show visit saving with Steve. Us that's saving with Steve. Us saving with Steve. Us will see you soon<br> welcome back to the show that is here to help you achieve your financial goals it's the saving with Steve show now here's your host Steve Sexton was Steve Kerr we talked about the ins-and-outs of money we're back here with Coach Chris Chris plus he's a guru we've been talking about how to save money on mileage one of things I do want to add we have actually gotten multiple credit cards with the different airlines we got one with Marriott we got one with SIA. They're offering 180,000 points which really helped a lot when we are with our do European travel it's nice to get a lot for free and all you really have to do is build a certain amount to them and I love that one of the big things with travel is actually combinations and there's a number of ways that you can reduce and eliminate the cars besides using point and that's one of the reasons why Chris is here he's just going to talk about how we can lower the cost when it comes to a combination so Chris what's the best way to<br> about doing that, number one or two would it cost like you mentioned a good point let me get to expound on that all the hotel change the major hotel chains come with credit cards and if you want to stay in a hotel sign up for their credit cards they have signup bonuses read get flooded 50,000 points do One credit card so again if you do the initials spending you get free night so if you need to stay at hotels get the credit cards with the hotels and it's another way really for accommodations a typical family vacation trip it's better I say stay away from hotels if you don't have to stay in a hotel that's why before they're all hotel chains we both stayed there but they all have time sure they don't call me anymore it's a bad connotation cuz all the false selling practices of the timeshare companies on vacation clubs you can rent from<br> never run from the hotel's name the owners maintenance prices have gone way up my prices are going up 40% from Athens which means the supply in the band that means the owners are trying to get back their maintenance chart so what they're doing is running out their vacation clubs timeshares and all these resort locations around the world at a very discounted rate Whoever has the lowest price on the internet and we are going to get top quality Resorts they all come with full Resort amenities some come with free golf and they're all over the world the two resources for your audience to use where owners put their units for renters to rent on the timeshare locations are redweek.com redweek, and the other one is tog to you g2.com I'm sure users group<br> and that'll give you a list you put in the location you put in the area you want a vacation I'll give you a listing of owners that are trying to get back their mate as they're going to run out you don't trust me or less than Motel 6 prices where you're going to stay and luxury accommodations for such a low-cost there's no service charges you don't pay your hotel taxes you don't pay sales taxes except you deal with the owner just be cognizant make sure there's a lot of scammers out there that you get a lease you get the official verification from the person renting a timeshare that their name is on the deed you checked with the hotel you make a safety call just follow through and that's the way to say 70 80 90% on your accommodations it implies to Europe to they might not be all Hotel change but again the same thing as the owners on them they're not using them you're just trying to get back<br> some of their maintenance charges they're willing to rent them out and it's much better than Airbnb because you're going to get Resort amenities swimming pools and if it is a hotel Jane you're going to get the safety the sanitization of the hotel company that manages that place so combinations I recommend that so I'm just going to share my are planning we're going to leave from Dublin but we're actually staying in a 200 year old castle knows your number of rooms that are timeshares but these rooms are three bedroom rooms they have big soap as they actually, this is the place that has the gigantic pool and overlooks the ocean and we're getting it for essentially tens I don't believe me I'm glad you're there to substantiate my biggest problem been in this business for fifteen or Twenty Years speeding around the country people don't believe it's possible to do this but it is I do it it especially<br> today's time we're in a divided country without getting into politics all of us need to retreat relax renew rejoice and remember we got to create those memories and experiences inflation's way up there like I said in travel it's not 3% or 4% it's 300% so you can still live the dream another one of my soundbite we travel not to escape life for life not to escape us you don't have to be rich to liver it's just use some of these tips than I've given to you on your shows they could go to my website again coach Chris speaks, coach Chris peeks.com I have a YouTube channel with about the 15 or 20 YouTube disco to coach Chris speaks on Youtube some more travel tips and etcetera the middle class now the baby<br> people want to travel the family reunions excetra live the dream he saved $80,000 like being in a timeshare Hotel goes for 1300 + 9 + 80 bucks to park your car and I have posted good Sarah 15% of a hotel when I'm sleeping 6 so it can be done there to help people and again and I speak for a living at his associations is a breakout session speakers do if you have a group that you think this type of advice my benefits your audience for your meetings by old man's all the informations on my website give me a call and I'll be glad to help you out I just want to share something I was just looking at Red week and I was looking at the Waikoloa Beach to the Bay Club very expensive play six seven hundred dollars a night a two-bedroom unit that means it sleeps a whole bunch it's only 279<br> 700 out of 279 what a heck of a savings a lot of people can afford to go to that place and enjoy it here now is you don't have to own to rent a Jet I meant the runners on them like myself I am a lot that I put them on the Internet giving them away Oceanfront units I can't use them I got to pay my maintenance I'm just looking at the make some money back to pay my made in Spain who gets the benefit is to rent or they're staying at these high class Resorts with all these amenities about paying sales tax they're getting the biggest bang for their vacation dollars it's definitely the way to go because I want to thank you for being on the show today you're really a source of knowledge for helping people travel the world for a lot less than what it should cost and to help him plan the right way so thanks for being on the show how can people get ahold of you if they need to just go to Coach Chris speaks. Kamo my contact information as they are feel free to call me<br> people just mentioned they heard me on your show I'll give him a free consultation Point him in the right direction as you know Steve everybody's travel desires and needs are different so there's a different solution for everybody but you can do it in total for five-star luxury for pennies on the dollar it's possible thanks Chris I appreciate you being here with this today everybody thanks for joining us today again the replays are available at saving with Steve u.s. Navy enjoy the stories of helpful information just like Chris yard with this today I encourage you to subscribe to your YouTube channel and never misses show check out a few of our feeling is that you can help radio BBS radio talk radio in New York City e360 TV all these networks are dedicated to empower you to live life a personal financial Freedom so it's at I want to thank you all for joining hope you have a wonderful week and we'll look forward to seeing you next time bye bye thank you for joining us for the saving with Steve show host<br> by Steve Sexton to learn more about the show and how to become a guest or sponsor visit saving with Steve. Us that's saving with Steve. Us join us again next time as we continue to talk about everything under the sun that relates to you having a healthier happier relationship with money this has been the saving with Steve show hosted by Steve Sexton<br>