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<br> hello welcome to the shaving machine show where you talk about the ends<br> oz of money pretty much everything in the center late see you having a happier or healthier relationship with money my name is Steve sex and I want to thank you for joining us hey you know what thank you for sharing with your friends and family where are Audis keeps growing throughout the United States are show airs starting at 11 on Tuesday comes all the way across the United States to California from Florida and you know what and then couple days later goes off overseas we're actually in 54 countries right now so it just keeps growing and we really appreciate you for that so last episode by popular demand we had Chris class is the number one travel Guru you talked about how to travel the world and a 90% discount we just use his method and booked a five-star Resort Brigantine nine hundred bucks a night for $170 that's beautiful if you'd like to learn more about that episode is episode 103 and you want to go to San Dimas<br> that us is always if you'd like to see something on the show go to viewers it standing with Steve. Us just let us know what you're thinking if there's a financial top of that you would like to have discussed it will bring somebody on and if you don't especially if I don't know it cuz I don't know everything and that's a good thing that way we can have other people today I'm going to be talking about ways to optimize your 401k when you want to do that especially this time of year but the very special guests we have her name is Nicole Shaffer Nicole created this wonderful business she figured out women are largely excluded from the cocktail space so she is a female mythologist and she wanted to change that by essentially starting a cocktail Revolution and I'm glad she's here to talk about it because once I started finding out what she did<br> I started talking to my wife and some of her friends and like yeah we know a little bit about this but we're really not comfortable ordering something outside of a you know that has might have a couple Alexandra Martini or something like that and they're not really comfortable at mixing everything and they like yeah that would be a great idea so Nicole we're just so happy you're here and thanks for being part of the show today thank you for having me what are really like to know and I know our guest would love for you to know is how do you get started in you know Mixology actually met I met husband then boyfriend was very into it and he started making me drinks and I was like I want to do that I don't want you to make them for me I want to learn how and so he started teaching me and then he bought me my own Shaker and you don't got really into it and learning how to make different drinks and stuff<br> why I have this one I sort of made up a blood orange margarita and I would say that's probably my favorite just cuz it smells really good when I'm making it and it tastes delicious when it's done so what kind of blood orange margarita so basically it's your typical Margarita but instead of normally you put like dry Curacao or some kind of orange liqueur but instead I replaced that was Salerno which is a blood orange liqueur out of Italy and then I also usually use some marmalade which is this really great mixing stuff and they make a blood orange guava one and so I'll I'll put that in as well and then it just ends up being very very blood orange forward Margarita but<br> might go have a drink when it comes to women and in cocktails and mixing drinks talks about the experience that you found and you know what I know you have ways for people can learn how to go about doing that can you talk about that a little bit<br> yeah that was pretty much my reason for starting this was I went to I'm in a group of women in their 30s nerdy 30s and I went to a movie night and I brought my cocktail shaker and I was like I'll make you guys cocktails you know and everyone was so interested and they were coming over in there like can you show me how to do this and so I would show them and they just had so much fun but then I did a cocktail meet up where I just taught them how to make cocktails and I was like wait a second it seems like you're all very interested in this but I feel like we've all been kind of<br> you know we've been left out and you know women weren't allowed to be bartenders for a very long time so it's kind of makes sense but I was just like there's no clear you know there's no business that's actually geared towards teaching women how to do this so I started with Like You Youtube channel but then I was like no I should do a subscription box so I can actually get them to learn how to do different makes ology things so I can box and then they go see you on YouTube or do you do it like classes how does that work an episode for every box so that people can actually see how to make the drinks but I also will put instructions in there and people also can book me for like private parties or you know Zoom lessons<br> that kind of stuff we make custom boxes so yeah there's all kinds of fun stuff to do but<br> I try to teach everyone understanding is you've got the now that you've been doing this for a while and you got a reputation for putting the other cocktails and all that miter saying is you have company that are actually coming to you say hey what do you think of this I have had several companies send me stuff to use in my access codes and then I sort of have a partnership with the cider website because I do side reviews as well and so they send me Saturday every month and then I'll see reviews on them and talk about the company and stuff still love spiders so I get it I guess you might as well just try it<br> okay so basically you're saying is women who want to get involved they can actually just go to your website they can you do sign up for a class or go look it up on YouTube get the the packages so they can go out to eat this is how I do it just like a baking class but yeah we send them everything except alcohol ago where we have an option to get the alcohol but we send them all the mixtures all the fresh fruit because that is a big pet peeve of mine is that there are a few other cocktail boxes out there but they send people bottled you know those little lemon do those little nice shaped bottles and I'm like no he got these fresh fruit if you really want to have a good cocktail so I send them you know the actual fruit and like sometime<br> usually there's some kind of lesson involved like yours how you make simple syrup for here's how you muddle and we'll put in a muddler. Kind of think so let's talk about mixers fresh fruit and all that stuff cuz we've all had a cocktail that we thought was great one time of the next time you're going and so is things like the right mixer fresh-brewed things like that in the mixers or more they're not necessary there more just like if you want to take your cocktail up a notch or a different flavor then they're great for that but most basic cocktails you don't need a mixer you really just need to know some kind of sweetener and alcohol and those are that the most important components and<br> actually did a video where I discussed how you only need three or four ingredients you can make so many cocktails with just a few ingredients so it's really not a high barrier to get into which is good<br> like what I just told you to centrally lemons and limes and then a sweetener of some kind of mother that simple syrup or turbinado syrup or you know you can honey and then you need your liquor and I highly recommend everyone have like a gin a tequila and vodka or Rum and if you have those you can you can make it back or you can make a bee's knees you can make like so many different things just with those ingredients you know it's so funny is if you don't do something you think it's overwhelming until somebody shows you were like oh really<br> they were like what<br> all it is to make a lemon drop or whatever and I was against really easy it's just that it seems like you know it's still foreign to most people or they look at the menu and they're like well I know it like the cosmos I'll just get a cosmo but what I love is as you learn more you can go to I go to restaurants all the time now in bars and I can look at their menu and I'm like blah blah blah I'll be right back with more Nicole Shaffer Mixology so stick with this Reebok will be right back with more saving this seat<br> 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 ins-and-outs of money those financial issues that 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 less 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 at 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<br> welcome back to the same thing with Steve show when we talked about the ins-and-outs of money pretty much everything out of the central East you having a happy healthy relationship it with money hey if you would like to come check us out sealer replays you can go to saving with Steve. You asked if you're enjoying the stories of helpful information inside savings with saving the co-anchors you described her YouTube channel Google Play Channel see you never misses show check out a few or Philly It's a UK Health radio BBS radio talk radio in New York City in 360 TV in Las Vegas TV networks there are dedicated to empower you to solve problems uplift your spirit live a life of personal financial Freedom you know what if you'd like to go to the same receive us page. Us page you can go to the resource page you're going to see a lot of different items they're just from guess you know there's one coming up from the Fab Riza lemon baked good company you got to see this was going to be a little bit<br> Nicky's part of that video she actually review their lemoncello Spirit as well as a big Goods oh you're going to love this you want to check it out and you know what there's a wonderful offer in a special surprise for each person that goes there and checks it out thank you for being here again understanding is you just finished a book called pork than cocktails that right the big announcement it won't be out until March of next year but you can pre-order it to Noble like any any site basically the sells books what was the the motivation for writing the book<br> I'm so actually I have a few of the books it's a series of books about different cities and their Cocktails so I already had I think Paris and Seattle maybe and so I'm reading these books and I'm like this is so cool and I saw the publisher name and directing them back in February and said hey do you have anyone do in Portland book cuz I have a YouTube channel like this would be right up my alley didn't hear anything kind of forgot in July they were in there like actually would you be would you be okay doing the Portland books as we actually do want to Portland bug and I was like sure and yeah had a few months to get out and writing a book is a little different when you do it the first time I remember mine. Let's talk about yours so what did you do when you had preparation for the book did you interview bunch of people<br> tell us about that yeah I ended up interviewing some of the top bartenders in Portland and I compiled over 100 recipes various cocktails around different restaurants and bars and Keno gathered photos and then wrote intros and all that stuff so I'm doing the book it's hard it's really fun and it's very satisfying to see it but it was hard for sure and there are times you're just like I don't even know what's right but you have to do it so yeah so what did you learn by talking to I'm really curious about what you learn by talking some of the top bartenders in Portland<br> they were so down-to-earth and I'll so they kept saying to me you don't need fancy equipment you don't need fancy ingredients in less you want to have fancy ingredients but really that will make the cocktail good is a good a good alcoholic a really quality alcohol and fresh fruit in like you know just good ingredients but like don't don't worry about making things overly complicated or overly fancy so that was the main thing they were saying was like focused on fresh ingredients but don't have like more than nine ingredients in a cocktail this is ridiculous a long time ago when I was operating in office for one of the companies to work for in Seattle as up at the Space Needle and back then we were in Long Island Iced Tea<br> Long Island Iced Teas interesting thing about it is we asked for a Long Island iced tea and it really tasted like a regular iced tea with lemon me know we were rocked it was just like oh my God we're like okay well I thought we got screwed over on the alcohol but we didn't that good and then went oh my God they're so it was really interesting when you when you say that and I love the fact that they say good ingredients just like if you're cooking ingredients you're going to get a good result and keep it simple a really complicated stuff that's out right now and I tend to agree that some of the cocktails have become very over-the-top and sometimes yeah<br> having a good Dockery is is so nice and so simple but if done right you can totally be amazing so what would get out of all the different recipes that are in the book what's your favorite interviewed and her recipes are just so good and again they're not that complicated they just have really good ingredients and<br> there's a great Spanish restaurant that just opened called Palomar and they sent me a couple recipes and then I went there and actually had the cocktails in person so I can run was called what was that I know the one that my husband was told like a gentleman's agreement I think my annuals<br> I forgot what mine was but it was a really good it was very it was rum-based and very fruity and<br> delicious I could probably dig it up in my book but yeah it was a very good you're really pretty and delicious any of them reportedly got to go to Palomar guys tell us how people get involved and then I know you also support the Oregon dog rescue so tell us a little bit about that<br> yeah I mean I would say most people seem to be assertive finding that song Google or through the YouTube channel and and then I just really it's important to me to give back and I love Oregon dog rescue I see their Facebook stuff all day long and you know send dogs to my husband he's like now we can't have like 10 dogs but I just love animals and so yeah I really like that I can support them and help them bring dogs from Mexico and all over so that's wonderful you is just tell us how people can get in touch with you how they can get connected with mythology how they can get it connected with your ear YouTube by your by your packet so they can learn how to do mixed drinks<br> so probably the best way is just to go to the Wednesday at miss knowledge.com you can contact me through their hello at or no right to you hello at massage.com to channel is Miss ologist I try to respond to you know messages on there and Instagram has saltus box I believe so yeah and you can order the boxes through my website or an cratejoy<br> it's just www.astrology.com you so much for sharing your information for everybody I'm going to tell everybody go pre-order that book at Fort Lee cocktail because if you can get 130 recipes that'll be a lot of fun trying them all<br> just don't do it all in one night that's all thank you so much for being appreciated and you know I'd love to have you back again when you talk about cocktails one more time okay go to miss ologist order of the box that you can get for cocktails you also want to go check out of YouTube special if you want to learn how to do cocktails cuz I know my wife's going to be doing that already right back with some more shaving with Steve<br> 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 prevents 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 ins-and-outs of money those financial issues that 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 left your investment risk management retirement and everything is so sweet with you having a healthier happy relationship with money so if 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 another 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<br> hey welcome back to the same thing with Steve Cheryl I just want to let you know all replays are available at 7 with Steve. You asked if you're enjoying the stories of helpful information inside and saving with Steve and encourage you just described your YouTube channel hey so you'll never miss a show I checking you out if you were a few leads that you can help radio BB BBS radio talk radio in New York City amfmph 24/7 their greatest hits are all about empowering you to solve problems uplift your spirit life and live a life of Financial Freedom<br> 10 things I like to talk about today is ways in which you can optimize your 401k and it anyhow it is really really very interesting we're down to the last couple weeks of the year and you have a wonderful opportunity to do this many people don't do what you want to do it now think about it if your employer offers a 401k match take it if you're in the market for a new job prioritized potential employers that offer 401k and a matching program keep in mind that most companies will need to be fully vested in the 401K to keep the employer message means you're going to probably need to stay on a couple years until you fully best eats company has a different 401K plans immediately some Destin two years five years whatever you want to make sure you know what you're getting into an advanced S don't accept the default savings plan now what a default savings is it says 3% you know<br> minimum default is 3% of your paycheck goes into 401K for many people that might be enough for retirement I also might not be if you're just getting started he start with the 3% every single year just keeping going 1% higher of your paycheck going into that 401k get to 20% or the maximum $20,500 again the maximum for your 401k allows you to defer paying income taxes now on it in 2022 is 20500 if you were 58 27,000 big thing to know is do you have the ability and not pay taxes year on 20 to $27,000 depending upon your age might want to take advantage of that okay next don't cash in early early withdrawal<br> will cause you to miss out on valuable compounding interest that is essential for building a Secure Retirement resist urge to cash out early if you're 59 and a half you know what you'll face a 10% earlier with Rob family and have to pay income tax on the mountain with rotting out there is one caveat to that it's called and equal payments provision is a tactical 72th you probably don't care about the tax code allows you to do if you're 54 and a half you can take out the same amount every single year until you're 59 and he can avoid paying that 10% early withdrawal penalty next thing just talk about minimizing fees the more fees you pay the more each into your retirement I mean you could reduce if you had no fees<br> and I compared to having a 1% fee it's like you know what you could have had 30% more into retirement so think about this some 401K Investments 8 they have I fees which can reduce your balance overtime you should pick the lowest-cost investments in your 401k plan providing it performs and it also matches your tolerance the US Department of Labor require all 401K plans to send participants an annual fee disclosure that list the cost of every phone in the plant if these are high consider bringing this up with your company human resource department to see if you can get your plan changed these things will make a difference you know what<br> that wraps up the show for today I want to thank you all for 6 Johnny is here on saving with Steve on when I think Nicole Shaffer has been wonderful and you know what I'll look forward to seeing you next week you have a wonderful week stay stay stay healthy we'll see you then bye bye<br> thank you for joining us for the saving with Steve show hosted by Steve Sexton to learn more about the show and how to become a guest or sponsor visit saving with Steve. Us that 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 a relationship with money this has been the saving with Steve show hosted by Steve Sexton<br>