Couverture de Saving With Steve with Steve Sexton

Saving With Steve with Steve Sexton

Saving With Steve with Steve Sexton

De : Steven M. Sexton
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 The Save With Steve Show, hosted by Steve Sexton will help you with ins and outs of money. We talk about financial issues that that could be costing you thousands of dollars and keeping you up at night. We talk about “money”… tax reduction, saving more, how to spending less and get more, 401k’s, risk management, retirement, and everything under the sun that relates to you having a healthier happier relationship with money.Copyright 2026 Steve Sexton Economie Finances privées
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  • Saving with Steve, November 3, 2026

    Saving with Steve, November 3, 2026
    Nov 4 2026
    Jacob Sadler, The Ins and Outs of Continued Care Retirement Communities
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    56 min
  • Saving with Steve, November 10, 2026

    Saving with Steve, November 10, 2026
    Nov 11 2026
    Saving With Steve with Steve Sexton Long-Term Care Realities, Memory Care Standards and Navigating Medicare with Corey Fosco Steve Sexton talks with long-term care veteran and author Corey Fosco about recognizing when an aging parent needs assisted living or memory care, the realities of Medicare coverage, and how to avoid hospital placement traps, closing solo with a warning on Treasury yields and tech debt. Welcoming Corey Fosco and Early Long-Term Care Lessons Steve Sexton welcomes listeners to the Saving with Steve Show and introduces Corey Fosco, Vice President of Enterprise Sales at PointClickCare and author of The Question of When. Fosco brings thirty-four years of professional experience in elder care, beginning as an outreach worker helping homebound seniors in Arizona through the Jesuit Volunteer Corps after graduating from Loyola University Chicago. He recounts entering skilled nursing social work and admissions, eventually meeting his future wife in a care facility where she worked as a dietician, setting up their upcoming thirtieth wedding anniversary. Sexton connects over his own family ties to the Chicago area before framing the central dilemma many families face when aging relatives can no longer manage daily life safely at home. Fosco notes that his practical guide was accepted into the National Library Service collection at the Library of Congress, emphasizing that open conversations about long-term care options are urgently needed well before an unavoidable medical emergency forces a hurried choice. Recognizing Caregiver Denial and Early Warning Signs Fosco highlights the two most common reflections families share after placing a loved one into care: wishing they had acted much earlier and admitting they ignored obvious warning signs in hopes the situation would somehow resolve itself. He references a case study from his book involving a mother and daughter, Ruth and Carol, where hiring a geriatric care manager introduced adult day services and in-home aides that extended home living by eighteen months while dramatically lowering family stress. Sexton validates this observation through his financial advisory work, describing clients who forget conversations mid-sentence, miss familiar driving routes, or rely on defensive relatives who mask cognitive decline until a traffic accident or severe fall occurs. Fosco explains that the sandwich generation, juggling teenage children alongside aging parents, often sidelines difficult conversations out of sheer exhaustion. Both emphasize that delaying realistic planning leaves families vulnerable to making panicked, suboptimal decisions when an inevitable acute incident suddenly removes independent living as an option. Evaluating Memory Care Beyond the Marketing Label Sexton asks about community marketing, prompting Fosco to explain that memory care is not a federally standardized term across the United States. Because state regulations and facility quality vary wildly, Fosco urges families to evaluate prospective residences across four specific pillars rather than trusting polished promotional brochures. First, the physical environment must feature calm aesthetics and circular walking paths rather than overstimulating layouts or dead ends that distress residents who wander. Second, staff must possess specialized dementia training, redirecting confused residents with empathy rather than repeatedly inflicting the psychological trauma of harsh reality. Third, daily programming must offer structured, individualized cognitive and sensory stimulation throughout the day rather than a single generic afternoon group activity. Finally, communities should handle agitation and sundowning through environmental adjustments and personalized de-escalation rather than defaulting to sedating medications. Sexton agrees that transparent communication regarding these operational details determines whether families experience genuine peace of mind or chronic caregiving anxiety. Identifying the Four Core Signals of Caregiver Breakdown Fosco outlines four cumulative signals that reveal when an existing living arrangement has broken down: safety hazards like frequent falls and missed medications, clinical decline including unexplained weight loss and repeated hospitalizations, and social withdrawal marked by abandoned hobbies and self-neglect. Crucially, he identifies caregiver deterioration as the fourth and most overlooked signal, as overwhelmed spouses and adult children frequently hide their own physical exhaustion, depression, and health crises out of pride or guilt. Sexton shares an illustrative client anecdote involving an elderly woman whose apparent rapid cognitive decline was diagnosed in an emergency room as severe dehydration and an electrolyte salt imbalance caused by unmonitored nutritional intake. Once hospital clinicians corrected her sodium levels and instituted proper oversight, her mental clarity returned completely. Fosco notes that warning signs ...
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    56 min
  • Saving with Steve, October 27, 2026

    Saving with Steve, October 27, 2026
    Oct 28 2026
    Saving With Steve with Steve Sexton Student Loan Traps, Gig Economy Blind Spots and Buy Now, Pay Later Pitfalls with Stacey Black Steve Sexton talks with BECU lead financial educator Stacey Black about the mistakes new graduates make with student loans, the hidden costs of gig work, and the real price of buy now, pay later plans, closing solo with a warning about Treasury yields and market diversification. Welcoming Stacey Black To The Show Steve Sexton opens the Saving with Steve Show by thanking his audience and introducing Stacey Black, BECU's lead financial educator, who has worked for the credit union for nearly thirty years and teaches thousands of people through webinars, seminars and in-person classes at Financial Reality Fairs. He lays out the hour's agenda: avoiding the mistakes new graduates make when taking out and repaying student loans, the pitfalls of working in the gig economy, and the real cost behind buy now, pay later plans. Black says the topics are right up her alley and that she loves talking about them. Sexton notes that many borrowers do not realize at the outset that a student loan must actually be repaid, often for twenty or thirty years, setting up a conversation about what people should weigh before signing for a loan and how that choice follows them long after graduation. Choosing A Loan With The Future In Mind Black urges listeners to research thoroughly before taking out a loan rather than fixating only on a career's eventual paycheck, since bonuses, benefits and realistic starting pay all shape what someone can actually afford to repay. Sexton shares listener emails, including a public-sector worker with roughly three hundred thousand dollars in loans earning about sixty-five thousand dollars a year, and families where a student attended a school costing eighty thousand dollars annually and ended up owing four hundred fifty thousand dollars at a high interest rate. Black agrees that passion for a career matters, but so does the ability to support oneself, noting people often expect to earn big money quickly when most professions start lower. Sexton adds that some parents report adult children returning home for years because student debt makes independent living unaffordable, reinforcing that the choice of degree and lender terms carries consequences long after the ceremony. Budgeting Conversations Parents And Kids Avoid Black advises parents to sit down with students before applying, mapping out projected income against real costs like housing, food, utilities, travel and retirement savings, even if parents feel unqualified and must research the fine print together. Sexton describes walking his own son through a hypothetical budget covering a mortgage-equivalent, health insurance, a car, an apartment, food and entertainment to show what a starting salary must actually cover alongside loan payments. He relays a lawyer's warning that children who have only ever seen mom and dad as the bank, upon receiving an inheritance, often buy an expensive car first and later face a tax bill they cannot pay. Black shares that she works with many students who ask only which job pays the most, without considering whether a dream career supports the lifestyle they expect, reinforcing that realistic planning, not just passion, should guide the decision. Income-Driven Plans And Balloon Payments Returning from a break, Sexton and Black turn to repayment mistakes, starting with building a realistic budget around take-home pay rather than gross salary, since taxes and deductions surprised even Black's own son when he first calculated his paycheck. Black recommends separate savings accounts for specific goals, describing how she saved monthly for a trip to Sweden the way she would budget for a bill. Sexton raises income-driven repayment and SAVE plans, where borrowers often choose the lowest monthly payment without realizing a large balloon payment can follow, sometimes around one hundred thousand dollars, forcing a costly refinance that cuts into retirement savings. Black says the big print giveth and the little print taketh away, urging families to read every option's fine print together and ask questions neither parent nor student would otherwise think to raise before signing anything. Gig Economy Risks People Overlook Shifting to the gig economy, Black explains that self-employed workers must plan for taxes, medical coverage and income swings that traditional employees rarely consider, sharing that her cousin, a gig worker bitten by a rattlesnake while on location, had no insurance and faced a bill running into hundreds of thousands of dollars for antivenom. She stresses keeping personal and business accounts separate, setting aside money from strong months to cover leaner ones, and understanding that gig workers pay both the employer and employee shares of Social Security taxes, effectively twelve percent. Sexton adds that many self-employed people keep paying an underperforming vendor ...
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    58 min
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