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        <title>Personal Finance Takeover</title>
        <link>https://redcircle.com/shows/personalfinancetakeover</link>
        <language>en-US</language>
        <copyright>All rights reserved.</copyright>
        <itunes:subtitle>Stop stressing over money with a Personal Finance Takeover</itunes:subtitle>
        <itunes:author>Shaun and Fabian</itunes:author>
        <itunes:summary>Personal Finance Takeover helps you understand your money so you can takeover your bad habits and start controlling your life. It&#39;s time to stop stressing over money.</itunes:summary>
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        <description><![CDATA[<p>Personal Finance Takeover helps you understand your money so you can takeover your bad habits and start controlling your life. It&#39;s time to stop stressing over money.</p>]]></description>
        
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            <itunes:name>Shaun and Fabian</itunes:name>
            <itunes:email>personalfinancetakeover@gmail.com</itunes:email>
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                <itunes:title>We&#39;re Back Don&#39;t freak Out</itunes:title>
                <title>We&#39;re Back Don&#39;t freak Out</title>

                <itunes:episode>22</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>In this episode, we reassure the listeners during these hard times.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 22: We&#39;re Back, Don&#39;t Freak Out</p><p>In this episode, we reassure the listeners during these hard times.</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 22: We&amp;#39;re Back, Don&amp;#39;t Freak Out&lt;/p&gt;&lt;p&gt;In this episode, we reassure the listeners during these hard times.&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Sun, 10 Jul 2022 04:33:08 &#43;0000</pubDate>
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                <itunes:duration>367</itunes:duration>
                
                
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                <itunes:title>Options Trading For Beginners, Buying a Call</itunes:title>
                <title>Options Trading For Beginners, Buying a Call</title>

                <itunes:episode>21</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>In this episode, we learn about what an option is and several scenarios you can find yourself in when purchasing them. 


Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 21: Options Trading For Beginners, Buying a Call</p><p>In this episode, we learn about what an option is and several scenarios you can find yourself in when purchasing them.</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 21: Options Trading For Beginners, Buying a Call&lt;/p&gt;&lt;p&gt;In this episode, we learn about what an option is and several scenarios you can find yourself in when purchasing them.&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Wed, 22 Dec 2021 16:00:00 &#43;0000</pubDate>
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                <itunes:duration>648</itunes:duration>
                
                
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                <itunes:title>Bitcoin vs Ethereum are these the future currencies?</itunes:title>
                <title>Bitcoin vs Ethereum are these the future currencies?</title>

                <itunes:episode>20</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>In this episode, we explain both Bitcoin and Ethereum and look at how they are different. We give our opinions on the currencies and how we invest in them.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 20: Bitcoin vs Ethereum are these the future currencies?</p><p>In this episode, we explain both Bitcoin and Ethereum and look at how they are different. We give our opinions on the currencies and how we invest in them. </p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 20: Bitcoin vs Ethereum are these the future currencies?&lt;/p&gt;&lt;p&gt;In this episode, we explain both Bitcoin and Ethereum and look at how they are different. We give our opinions on the currencies and how we invest in them. &lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Wed, 15 Dec 2021 16:00:00 &#43;0000</pubDate>
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                <itunes:duration>514</itunes:duration>
                
                
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                <itunes:title>What is the Russell 2000 index and should it be in your portfolio?</itunes:title>
                <title>What is the Russell 2000 index and should it be in your portfolio?</title>

                <itunes:episode>19</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>In this episode we cover the Russell 2000 index and if you should add it to your portfolio.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 19: What is the Russell 2000 index and should it be in your portfolio?</p><p>In this episode we cover the Russell 2000 index and if you should add it to your portfolio. </p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 19: What is the Russell 2000 index and should it be in your portfolio?&lt;/p&gt;&lt;p&gt;In this episode we cover the Russell 2000 index and if you should add it to your portfolio. &lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Wed, 08 Dec 2021 16:00:00 &#43;0000</pubDate>
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                <itunes:duration>208</itunes:duration>
                
                
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                <itunes:title>How To Make Passive Income With Crypto Staking</itunes:title>
                <title>How To Make Passive Income With Crypto Staking</title>

                <itunes:episode>18</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>In this episode, we talk about the benefits of staking cryptocurrency and how you can earn high yields passively.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 18: How To Make Passive Income With Crypto Staking</p><p>In this episode, we talk about the benefits of staking cryptocurrency and how you can earn high yields passively.</p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 18: How To Make Passive Income With Crypto Staking&lt;/p&gt;&lt;p&gt;In this episode, we talk about the benefits of staking cryptocurrency and how you can earn high yields passively.&lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <pubDate>Wed, 01 Dec 2021 16:00:00 &#43;0000</pubDate>
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                <itunes:duration>395</itunes:duration>
                
                
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                <itunes:title>What is an NFT and can it be a good investment?</itunes:title>
                <title>What is an NFT and can it be a good investment?</title>

                <itunes:episode>17</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>NFTs are non-fungible tokens meaning they are unique and no two NFTs are the same. In this episode we discuss NFTs and if they might be something to consider as an investment.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 17: What is an NFT and can it be a good investment?</p><p>NFTs are non-fungible tokens meaning they are unique and no two NFTs are the same. In this episode we discuss NFTs and if they might be something to consider as an investment. </p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 17: What is an NFT and can it be a good investment?&lt;/p&gt;&lt;p&gt;NFTs are non-fungible tokens meaning they are unique and no two NFTs are the same. In this episode we discuss NFTs and if they might be something to consider as an investment. &lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Wed, 24 Nov 2021 16:00:00 &#43;0000</pubDate>
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                <itunes:duration>351</itunes:duration>
                
                
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                <itunes:title>Saving is losing you money!</itunes:title>
                <title>Saving is losing you money!</title>

                <itunes:episode>16</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>In this episode, we talk about how inflation eats at your savings account and reduces its buying power. But we have the solution to beat inflation, and that is investing your money.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 16: Saving is losing you money!</p><p>In this episode, we talk about how inflation eats at your savings account and reduces its buying power. But we have the solution to beat inflation, and that is investing your money. </p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 16: Saving is losing you money!&lt;/p&gt;&lt;p&gt;In this episode, we talk about how inflation eats at your savings account and reduces its buying power. But we have the solution to beat inflation, and that is investing your money. &lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Wed, 17 Nov 2021 16:00:00 &#43;0000</pubDate>
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                <itunes:duration>359</itunes:duration>
                
                
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                <itunes:title>3 Fund Portfolio - The Lazy Way To Become A Millionaire</itunes:title>
                <title>3 Fund Portfolio - The Lazy Way To Become A Millionaire</title>

                <itunes:episode>15</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>The 3 funds that make up the lazy portfolio are based on US stocks, US bonds, and International stocks. If you start early enough you can become a millionaire with this lazy approach.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 15: 3 Fund Portfolio - The Lazy Way To Become A Millionaire </p><p>The 3 funds that make up the lazy portfolio are based on US stocks, US bonds, and International stocks. If you start early enough you can become a millionaire with this lazy approach.</p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 15: 3 Fund Portfolio - The Lazy Way To Become A Millionaire &lt;/p&gt;&lt;p&gt;The 3 funds that make up the lazy portfolio are based on US stocks, US bonds, and International stocks. If you start early enough you can become a millionaire with this lazy approach.&lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Wed, 10 Nov 2021 16:00:00 &#43;0000</pubDate>
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                <itunes:title>Personal Finance, Is it important?</itunes:title>
                <title>Personal Finance, Is it important?</title>

                <itunes:episode>14</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>In this episode, we have a listener call in and ask questions about their personal finance knowledge. We want to show there are several approaches to personal finance and everyone is at a different stage in their journey to financial freedom.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 14: Personal Finance, Is it important?</p><p>In this episode, we have a listener call in and we ask questions about their personal finance knowledge. We want to show there are several approaches to personal finance and everyone is at a different stage in their journey to financial freedom. </p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 14: Personal Finance, Is it important?&lt;/p&gt;&lt;p&gt;In this episode, we have a listener call in and we ask questions about their personal finance knowledge. We want to show there are several approaches to personal finance and everyone is at a different stage in their journey to financial freedom. &lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <pubDate>Wed, 03 Nov 2021 15:00:00 &#43;0000</pubDate>
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                <itunes:duration>1429</itunes:duration>
                
                
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            <item>
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                <itunes:title>Shiba Inu Coin vs Dogecoin Update</itunes:title>
                <title>Shiba Inu Coin vs Dogecoin Update</title>

                <itunes:episode>13</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>This is an update out of our normal schedule because a lot has happened in the past few days that we wanted to share with you regarding Shiba Inu Coin and Dogecoin.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 13.5 update: This is an update out of our normal schedule because a lot has happened in the past few days that we wanted to share with you regarding Shiba Inu Coin and Dogecoin.</p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 13.5 update: This is an update out of our normal schedule because a lot has happened in the past few days that we wanted to share with you regarding Shiba Inu Coin and Dogecoin.&lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Sat, 30 Oct 2021 05:35:50 &#43;0000</pubDate>
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                <itunes:duration>304</itunes:duration>
                
                
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                <itunes:title>Shiba Inu Coin vs Dogecoin - Which Will Prevail?</itunes:title>
                <title>Shiba Inu Coin vs Dogecoin - Which Will Prevail?</title>

                <itunes:episode>13</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>In this episode, we look at the history of both Shiba Inu Coin and Dogecoin and compare the two. We look at how they are used and talk about what we think of them.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 13: Shiba Inu Coin vs Dogecoin - Which Will Prevail?</p><p>In this episode, we look at the history of both Shiba Inu Coin and Dogecoin and compare the two. We look at how they are used and talk about what we think of them. </p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 13: Shiba Inu Coin vs Dogecoin - Which Will Prevail?&lt;/p&gt;&lt;p&gt;In this episode, we look at the history of both Shiba Inu Coin and Dogecoin and compare the two. We look at how they are used and talk about what we think of them. &lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <pubDate>Wed, 27 Oct 2021 15:00:00 &#43;0000</pubDate>
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                <itunes:duration>648</itunes:duration>
                
                
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            <item>
                <itunes:episodeType>full</itunes:episodeType>
                <itunes:title>S&amp;P 500 Index VS Total Market Index - Which one is better?</itunes:title>
                <title>S&amp;P 500 Index VS Total Market Index - Which one is better?</title>

                <itunes:episode>12</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>In this episode, we compare two Charles Schwab index funds. SWPPX (S&amp;P 500 Index) and SWTSX (Total Market Index). We compare expense ratios, 15-year performance history, their top holdings, and more. We use Charles Schwab as an example but feel free to look at other Index funds like Fidelity or Vanguard.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 12: S&amp;P 500 Index VS Total Market Index, Which one is better?</p><p>In this episode, we compare two Charles Schwab index funds. SWPPX (S&amp;P 500 Index) and SWTSX (Total Market Index). We compare expense ratios, 15-year performance history, their top holdings, and more. We use Charles Schwab as an example but feel free to look at other Index funds like Fidelity or Vanguard. </p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 12: S&amp;amp;P 500 Index VS Total Market Index, Which one is better?&lt;/p&gt;&lt;p&gt;In this episode, we compare two Charles Schwab index funds. SWPPX (S&amp;amp;P 500 Index) and SWTSX (Total Market Index). We compare expense ratios, 15-year performance history, their top holdings, and more. We use Charles Schwab as an example but feel free to look at other Index funds like Fidelity or Vanguard. &lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Wed, 20 Oct 2021 15:00:00 &#43;0000</pubDate>
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                <itunes:duration>519</itunes:duration>
                
                
                <itunes:explicit>false</itunes:explicit>
                
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            <item>
                <itunes:episodeType>full</itunes:episodeType>
                <itunes:title>Cryptocurrency - Investing or Gambling?</itunes:title>
                <title>Cryptocurrency - Investing or Gambling?</title>

                <itunes:episode>11</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>In this episode, we go over our thoughts on cryptocurrency investing and some of our past experiences.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 11: Cryptocurrency - Investing or Gambling?</p><p>In this episode, we go over our thoughts on cryptocurrency investing and some of our past experiences.</p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 11: Cryptocurrency - Investing or Gambling?&lt;/p&gt;&lt;p&gt;In this episode, we go over our thoughts on cryptocurrency investing and some of our past experiences.&lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Wed, 13 Oct 2021 15:00:00 &#43;0000</pubDate>
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                <itunes:duration>587</itunes:duration>
                
                
                <itunes:explicit>false</itunes:explicit>
                
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            <item>
                <itunes:episodeType>full</itunes:episodeType>
                <itunes:title>Credit Card Benefits - Free Travel, Cash Back, and more!</itunes:title>
                <title>Credit Card Benefits - Free Travel, Cash Back, and more!</title>

                <itunes:episode>10</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>We love the travel points, cashback, rewards from credit cards but don&#39;t get sucked into the debt trap. If you can&#39;t pay off your card every month then don&#39;t use it!

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 10: Credit Card Benefits - Free Travel, Cash Back, and more!</p><p>We love the travel points, cash back, and rewards from credit cards but don&#39;t get sucked into the debt trap. If you can&#39;t pay off your card every month then don&#39;t use it! </p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 10: Credit Card Benefits - Free Travel, Cash Back, and more!&lt;/p&gt;&lt;p&gt;We love the travel points, cash back, and rewards from credit cards but don&amp;#39;t get sucked into the debt trap. If you can&amp;#39;t pay off your card every month then don&amp;#39;t use it! &lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Wed, 06 Oct 2021 15:00:00 &#43;0000</pubDate>
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                <itunes:duration>745</itunes:duration>
                
                
                <itunes:explicit>false</itunes:explicit>
                
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            <item>
                <itunes:episodeType>full</itunes:episodeType>
                <itunes:title>Dollar Cost Averaging - A Winning Investment Strategy</itunes:title>
                <title>Dollar Cost Averaging - A Winning Investment Strategy</title>

                <itunes:episode>9</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>Dollar Cost Averaging is a great investment strategy where you invest a fixed amount, at regular intervals, regardless of the market&#39;s ups and downs.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 9: Dollar Cost Averaging - A Winning Investment Strategy</p><p>Dollar Cost Averaging is a great investment strategy where you invest a fixed amount, at regular intervals, regardless of the market&#39;s ups and downs. </p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 9: Dollar Cost Averaging - A Winning Investment Strategy&lt;/p&gt;&lt;p&gt;Dollar Cost Averaging is a great investment strategy where you invest a fixed amount, at regular intervals, regardless of the market&amp;#39;s ups and downs. &lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <pubDate>Wed, 29 Sep 2021 15:00:00 &#43;0000</pubDate>
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                <itunes:duration>267</itunes:duration>
                
                
                <itunes:explicit>false</itunes:explicit>
                
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            <item>
                <itunes:episodeType>full</itunes:episodeType>
                <itunes:title>Inflation - Your Money Is Losing Buying Power, How To Prevent It</itunes:title>
                <title>Inflation - Your Money Is Losing Buying Power, How To Prevent It</title>

                <itunes:episode>8</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>Inflation - Your Money Is Losing Buying Power, How To Prevent It

Inflation is a natural occurrence in the market economy. There are many ways to hedge against inflation

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 8: Inflation - Your Money Is Losing Buying Power, How To Prevent It</p><p>Inflation is a natural occurrence in the market economy. There are many ways to hedge against inflation</p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 8: Inflation - Your Money Is Losing Buying Power, How To Prevent It&lt;/p&gt;&lt;p&gt;Inflation is a natural occurrence in the market economy. There are many ways to hedge against inflation&lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Wed, 22 Sep 2021 15:00:00 &#43;0000</pubDate>
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                <itunes:duration>567</itunes:duration>
                
                
                <itunes:explicit>false</itunes:explicit>
                
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            <item>
                <itunes:episodeType>full</itunes:episodeType>
                <itunes:title>Roth IRA Millionaire - How To Become One</itunes:title>
                <title>Roth IRA Millionaire - How To Become One</title>

                <itunes:episode>7</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>In this episode we break down what a Roth IRA is and why it is one of the best ways to save for retirement. We cover contribution limits, income limits and a work around for high earners. We also give a real example to show you how to actually become a Roth IRA millionaire.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 7: Roth IRA Millionaire - How To Become one.</p><p>In this episode we break down what a Roth IRA is and why it is one of the best ways to save for retirement. We cover contribution limits, income limits and a work around for high earners. We also give a real example to show you how to actually become a Roth IRA millionaire.</p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 7: Roth IRA Millionaire - How To Become one.&lt;/p&gt;&lt;p&gt;In this episode we break down what a Roth IRA is and why it is one of the best ways to save for retirement. We cover contribution limits, income limits and a work around for high earners. We also give a real example to show you how to actually become a Roth IRA millionaire.&lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Wed, 15 Sep 2021 15:00:00 &#43;0000</pubDate>
                <itunes:image href="https://media.redcircle.com/images/2021/9/15/6/19de72a7-8445-48cd-b7d8-6c22ae69cebd_35-e489-4107-95d8-b3fa56669a8d_podcast_artwork.jpg"/>
                <itunes:duration>985</itunes:duration>
                
                
                <itunes:explicit>false</itunes:explicit>
                
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            <item>
                <itunes:episodeType>full</itunes:episodeType>
                <itunes:title>Dividends Defined &amp; how Reinvesting them makes Compound Interest Work For You</itunes:title>
                <title>Dividends Defined &amp; how Reinvesting them makes Compound Interest Work For You</title>

                <itunes:episode>6</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>A Dividend is money paid out to company shareholders through its profits. By reinvesting your dividends, compound interest works in your favor. Look for companies with a good track record of paying dividends or invest through a dividend ETF.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 6: Dividends Defined &amp; how Reinvesting them makes Compound Interest Work For You</p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 6: Dividends Defined &amp;amp; how Reinvesting them makes Compound Interest Work For You&lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <pubDate>Wed, 08 Sep 2021 15:00:00 &#43;0000</pubDate>
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                <itunes:duration>341</itunes:duration>
                
                
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                <itunes:title>Mutual Fund vs. Index Fund vs ETF - What is the Best Option</itunes:title>
                <title>Mutual Fund vs. Index Fund vs ETF - What is the Best Option</title>

                <itunes:episode>5</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>Mutual Fund vs. Index Fund vs ETF - What is the Best Option.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 5: Mutual Fund vs. Index Fund vs ETF - What is the Best Option.</p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 5: Mutual Fund vs. Index Fund vs ETF - What is the Best Option.&lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <pubDate>Wed, 01 Sep 2021 15:00:00 &#43;0000</pubDate>
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                <itunes:duration>594</itunes:duration>
                
                
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                <itunes:title>Getting A Raise At Work? What to do with the money</itunes:title>
                <title>Getting A Raise At Work? What to do with the money</title>

                <itunes:episode>4</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>Getting A Raise At Work? What to do with the money. Here is a quick tip that you can implement when you get a raise at work. It will benefit your future self and your current self.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 4: Here is a quick tip that you can implement when you get a raise at work. It will benefit your future self and your current self.</p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 4: Here is a quick tip that you can implement when you get a raise at work. It will benefit your future self and your current self.&lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com</link>
                <pubDate>Wed, 25 Aug 2021 15:00:00 &#43;0000</pubDate>
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                <itunes:duration>190</itunes:duration>
                
                
                <itunes:explicit>false</itunes:explicit>
                
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                <itunes:title>How To Pay Off Debt - Debt Snowball vs Debt Avalanche.</itunes:title>
                <title>How To Pay Off Debt - Debt Snowball vs Debt Avalanche.</title>

                <itunes:episode>3</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>Episode 3: How To Pay Off Debt - Debt Snowball vs Debt Avalanche.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 3: How To Pay Off Debt - Debt Snowball vs Debt Avalanche.</p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 3: How To Pay Off Debt - Debt Snowball vs Debt Avalanche.&lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <pubDate>Wed, 18 Aug 2021 07:39:35 &#43;0000</pubDate>
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                <itunes:duration>563</itunes:duration>
                
                
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                <itunes:title>How To Take Control Of your Money - Savings First, ZBB, 50/30/20</itunes:title>
                <title>How To Take Control Of your Money - Savings First, ZBB, 50/30/20</title>

                <itunes:episode>2</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>Take control of your money by tracking it! We layout 3 styles of budgeting and talk about our own preferences. Let&#39;s dive into the Savings First, ZBB, and 50/30/20 budgets so you can decide what works best for you.

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 2: Take control of your money by tracking it! We layout 3 styles of budgeting and talk about our own preferences. Let&#39;s dive into the Savings First, ZBB, and 50/30/20 budgets so you can decide what works best for you.</p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 2: Take control of your money by tracking it! We layout 3 styles of budgeting and talk about our own preferences. Let&amp;#39;s dive into the Savings First, ZBB, and 50/30/20 budgets so you can decide what works best for you.&lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <pubDate>Wed, 11 Aug 2021 15:03:48 &#43;0000</pubDate>
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                <itunes:duration>1220</itunes:duration>
                
                
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                <itunes:title>Emergency Fund - How To Get Started</itunes:title>
                <title>Emergency Fund - How To Get Started</title>

                <itunes:episode>1</itunes:episode>
                
                <itunes:author>Shaun and Fabian</itunes:author>
                <itunes:summary>Episode 1: Emergency Fund - How To Get Started

In this episode we cover:

What an emergency fund is
Which type of expense is an emergency
How to calculate your number
Where to put your emergency fund
Why you should never rely on credit cards

Advertising Inquiries: https://redcircle.com/brands

Privacy &amp; Opt-Out: https://redcircle.com/privacy</itunes:summary>
                <description><![CDATA[<p>Episode 1: Emergency Fund - How To Get Started</p><p>In this episode we cover:</p><ol><li>What an emergency fund is</li><li>Which type of expense is an emergency</li><li>How to calculate your number</li><li>Where to put your emergency fund</li><li>Why you should never rely on credit cards</li></ol><p><br></p><p>https://www.personalfinancetakeover.com</p><br/><br/>Advertising Inquiries: <a href='https://redcircle.com/brands'>https://redcircle.com/brands</a><br/><br/>Privacy & Opt-Out: <a href='https://redcircle.com/privacy'>https://redcircle.com/privacy</a>]]></description>
                <content:encoded>&lt;p&gt;Episode 1: Emergency Fund - How To Get Started&lt;/p&gt;&lt;p&gt;In this episode we cover:&lt;/p&gt;&lt;ol&gt;&lt;li&gt;What an emergency fund is&lt;/li&gt;&lt;li&gt;Which type of expense is an emergency&lt;/li&gt;&lt;li&gt;How to calculate your number&lt;/li&gt;&lt;li&gt;Where to put your emergency fund&lt;/li&gt;&lt;li&gt;Why you should never rely on credit cards&lt;/li&gt;&lt;/ol&gt;&lt;p&gt;&lt;br&gt;&lt;/p&gt;&lt;p&gt;https://www.personalfinancetakeover.com&lt;/p&gt;&lt;br/&gt;&lt;br/&gt;Advertising Inquiries: &lt;a href=&#39;https://redcircle.com/brands&#39;&gt;https://redcircle.com/brands&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Privacy &amp; Opt-Out: &lt;a href=&#39;https://redcircle.com/privacy&#39;&gt;https://redcircle.com/privacy&lt;/a&gt;</content:encoded>
                
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                <link>https://www.personalfinancetakeover.com/episodes/episode-01-emergency-fund</link>
                <pubDate>Thu, 05 Aug 2021 00:38:02 &#43;0000</pubDate>
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                <itunes:duration>588</itunes:duration>
                
                
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