Imagine this: you open your mailbox to a stack of bills and credit card statements — and your heart sinks. You’re not alone. Millions of Americans are feeling crushed under credit card debt and struggling to understand how to climb out.

In this episode of Your Bread & Butter, Andrew Beaudry, CFP®, and Ryan Cummings, CFP®, break down real, practical strategies to take control of your credit and start improving your financial future.

We cover:✅ The current state of household debt in the U.S✅ What your credit score really means — and how it’s calculated✅ Quick wins you can take this month to raise your score✅ Smart debt payoff strategies that save you interest✅ Common credit myths that may be holding you back✅ How better credit can lead to a better life

Whether you’re rebuilding after setbacks or just want to optimize your financial health, this episode will give you clear, actionable steps to move forward with confidence.

🎧 Listen now and take the first step toward stronger credit and greater peace of mind.

Connect with us:🌐 www.privatefinancialdesign.com🎙️ Subscribe to Your Bread & Butter wherever you get your podcasts

In this episode of Your Bread & Butter Podcast, Andrew R. Beaudry, CFP®, and Ryan T. Cummings, CFP® break down essential year-end tax planning strategies for business owners. Discover how to make smart moves before December 31st and keep more of your hard-earned money in 2025.

We’ll cover:✅ The truth about business owners and the IRS — are they frenemies?✅ How to maximize QBI deductions and SALT workarounds✅ When to time big purchases for bonus depreciation or Section 179 expensing✅ Key updates on 1099 thresholds and vendor tracking✅ Smart planning tips for R&E elections, income thresholds, and phaseouts✅ Why working with a trusted tax advisor now can save you headaches later

💡 Don’t wait until April—take control of your year-end planning now!

🔗 Learn more: www.privatefinancialdesign.com
🎧 Listen and subscribe to Your Bread & Butter wherever you get your podcasts!

As 2025 year-end approaches, new tax rules are reshaping how individuals and families plan for year-end. In this episode, we unpack what’s changing — and how to make the most of it before December 31st.

Here’s what we cover:

🗝️ Key 2025 tax law changes under the new OBBBA legislation

🧾 How to benefit from temporary deductions for tips, overtime, and auto loans

🪙 Updates to child tax credits and the expanded SALT deduction cap

👨‍👩‍👧 What to know about “Trump Accounts” for kids and changes to estate and gift tax rules

🎁 Smart moves for charitable giving before new limits hit in 2026

📉 Strategies for harvesting investment losses and managing year-end portfolios

🎧 Tune in to Your Bread & Butter Podcast for real-world financial insight — with a side of humor and practical advice!

In this episode, we dive into the latest fiscal priorities shaping America’s future. From proposed $163 billion in cuts to non-defense programs to major increases in defense and homeland security spending, the federal budget tells a story about shifting priorities — and what that means for your money.

We unpack:

• How budget cuts could impact education, public health, and environmental programs

• The administration’s plans to reorganize and streamline government agencies

• Fiscal strategies aimed at reducing debt and controlling discretionary spending

• The growing debate between Congress and the White House over spending caps and priorities

If you’ve ever wondered where your tax dollars are really going — and what “fiscal discipline” looks like in practice — this episode breaks it all down in plain English.

🎧 Listen now to understand how Washington’s budget decisions affect your financial world.

🔔 Subscribe for more!

Ever wonder where your tax dollars actually go once they leave your paycheck? In Episode 40 of Your Bread & Butter, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down how the U.S. federal budget is created—from the President’s proposal to Congress’s final approval.

🎙 In this episode:

• 🏛️ Presidential Budget Proposal – What it includes and why it’s just the starting point

• 🧾 Congressional Budget Process – How spending and revenue decisions really get made

• ⏰ Fiscal Year Timeline – What happens when deadlines are missed (and how shutdowns happen)

Get an insider’s look at how Uncle Sam plans, spends, and sometimes delays your tax dollars—and why it matters for your wallet and the economy.

🎧 Tune in now and start understanding the budget process like a policymaker!

🔗 Learn more: www.privatefinancialdesign.com📺 Subscribe for new episodes of Your Bread & Butter every week!

In this episode, we dive into practical strategies to stay ahead in today’s changing economic landscape. With inflation pressures, labor shortages, and shifting market conditions, it’s never been more important to take a proactive approach to your money.

📉 Coming Months: What to Expect

• Rising production costs and tariffs may drive inflation

• Labor shortages impacting growth in key industries

• Slower GDP growth on the horizon

💡 Time to Save for the Future

• Control expenses and build emergency funds

• Focus on quality, high-performing investments

• Explore income strategies: dividend stocks vs. bonds

• Look for contrarian opportunities and diversify

⚠️ Watch for Emerging Risks

• Private equity access expanding through 401(k)s

• Changing accredited investor rules

• Volatility in cryptocurrencies and digital assets

📊 How to Assess Your RiskLearn to balance your risk tolerance, capacity, and goals.
We walk you through using a Risk Tolerance Questionnaire, stress-testing your portfolio, and revisiting your plan regularly to stay on track through every life stage.

In this episode of Your Bread & Butter, advisors Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down the origins, history, and role of the U.S. Federal Reserve, and connect it to today’s economic challenges like inflation and tariffs — with insights that matter for investors, consumers, and financial advisors alike.📌 What You’ll Learn:

🟢Why the FederalReserve was created after repeated banking panics and the Panic of 1907.

🟢How the Fed evolvedthrough the Great Depression, WWII, the 1970s inflation crisis, and into the modern era.

🟢The Fed’s structuretoday: Board of Governors, 12 Reserve Banks, and the FOMC.

🟢The latest data oninflation (Dec 2024 – July 2025) and what it means for households and portfolios.

🟢How tariffs are raising prices across goods like appliances, clothing, and food imports — and why the burden falls hardest on lower-income families.

🟢Practical steps individuals and advisors can take: cautious spending, monitoring investments, and identifying new opportunities.

💡 Key Takeaways: The Federal Reserve was built tostabilize the financial system, provide an elastic currency, and prevent panics. Over time, it has become the central player in monetary policy and crisis management. Today, with inflation pressures and tariffs reshaping the economy, advisors and investors must adapt strategies to safeguard clients andhouseholds.

🔔 Don’t forget tolike, comment, and subscribe for more clear explanations on money, economics, and policy.

Ever dreamed of starting your own business? 🚀 In this episode, Andrew Beaudry, CFP® and Ryan Cummings, CFP® dive into the realities of entrepreneurship—the passion, risks, rewards, and what it truly takes to succeed.

You’ll learn:

✅ Why people are drawn toowning a business (freedom, control, passion, money)

✅ The foundations ofsuccessful entrepreneurship: health, mindset, skills, and financial readiness

✅ Common reasons businessesfail—and how to avoid them

✅ Proven keys to businesssuccess: solving problems, adaptability, perseverance, and financial discipline

✅ How to think about entrymodels and exit strategies

💡Whether you’re considering a startup, a buyout, or a partnership, this episodewill help you clarify your why and prepare for the entrepreneurial journeyahead. Watch now and ask yourself: Do I have what it takes to be anentrepreneur?

🔔Don’t forget to like, subscribe, and hit the bell so you never miss an episodeof Your Bread & Butter.

🎧 Listen to moreepisodes: www.privatefinancialdesign.com

📱 Find us on all podcast platforms!

Want to not just survive—but thrive—in corporateAmerica?

In Episode 36 of Your Bread & Butter, Andrew Beaudry, CFP® & Ryan Cummings, CFP® reveal a proven 6-step career framework to help you stand out, grow your influence, and take control of your professional future.

You’ll discover:💡 How to define your version of success in corporate America🏗️ The key to building a strong foundationfrom day one🌟 Why personalbranding matters (and exactly how to build yours)🤝How to network strategically—inside and outside your company🧭 Navigating office politics without thedrama📂 Managing your careerlike a business (and the “brag folder”secret)

Whether you’re just starting yourfirst job or aiming for a leadership role, these strategies will help you move forward with clarity,confidence, and purpose—on your own terms.

👉 Watch now or listen wherever you get yourpodcasts.🖥️ ⁠www.privatefinancialdesign.com

Your Bread & Butter Podcast with Andrew R. Beaudry, CFP® & Ryan T. Cummings, CFP®

Life is full of choices—but some define the entire course of your journey. Inspired by Robert Frost’s “The Road Not Taken,” this episode explores one of the most definingdecisions: career vs. business.

Which path is right for you? In this episode, we explore:

·      🔄The moment of choice: what reallyinfluences your direction

·      🧠Knowing yourself: how personality, strengths, and values guide alignment

·      📊Business vs. Career: stats, success rates, and long-term outlooks

·      💡The common traits of success in either path: focus, skills, adaptability, andmore

·      🛠️Tools and tips to help you prepare — whichever road you choose

This episode is perfect for: ✅ Young professionalsat a crossroads✅ Business ownersre-evaluating their direction✅Students, career switchers, and anyone seeking alignment between purpose andpath

Your path is your choice. Butthe more informed the choice, the more powerful the journey.

👉Watch now or listen wherever you get your podcasts. 🖥️ ⁠www.privatefinancialdesign.com⁠

Congress just passed a massive financial framework, and it's going to change everything — your taxes, your business deductions, even crypto regulation. In this episode, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down what’s inside the FY 2026 federal budget and what it means for your wallet, business, and portfolio.

👨‍👩‍👧‍👦 Personal Tax Changes:New deductions on tips, car loans, and overtime pay. "Trump Accounts" for newborns. Bigger savings for seniors.

🏢 Business Owner Alert:23% tax deduction for pass-throughs. Accelerated depreciation. Time to reassess your entity structure.

📉 Market Outlook & Crypto Regulation:Stablecoin rules, compliance requirements, and why speculation isn’t a strategy.

✂️Big Spending, Big Cuts:Medicaid work requirements, SNAP reductions, border wall funding, and the biggest deportation campaign in U.S. history.

💡 Whether you're an investor or entrepreneur, now’s the time to update your financial game plan.

🎧 Listen in, get smart, and don’t let TikTok be your financial advisor.

👉 Visit us: www.privatefinancialdesign.com
📌 Subscribe for more smart takes on money, markets, and policy.
🎙️ Available wherever you get your podcasts.

Summer fun doesn't have to mean financial frenzy! In Episode 33 of Your Bread & Butter, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® share practical tips to help families stay on track with their finances during the busy summer months.

🎙 In this episode:

In Part 2 of Your Bread & Butter’s look at the economy and markets, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® return with a deeper dive into how tariffs, market uncertainty, and global dynamics are shaping financial outcomes — and what smart investors can do about it.

From revised GDP forecasts to shifting political will in Washington, this episode unpacks the current landscape and offers practical, level-headed strategies to stay grounded through volatility.

✔️ The Real Impact of TariffsExplore how U.S. and China trade tensions have evolved, why tariff policy is shifting, and how these changes are directly impacting GDP forecasts, market confidence, and global economic relationships.

✔️ The Power of a Long-Term Investment PlanLearn why staying the course — through dollar-cost averaging and consistent investing — can be a smarter strategy than trying to time the market or chase trends.

✔️ Dollar-Cost Averaging: Pros and PitfallsWe walk through the benefits of reducing emotional decision-making, but also explain why it's no replacement for selecting quality investments at the right time.

✔️ Smart Adjustments for Short- and Mid-Term SavingsFrom inflationary pressures to uncertain costs, we share steps to realign your savings strategy — including trimming expenses, boosting cash reserves, and maintaining investment momentum even through volatility.

✔️ Reconsidering Portfolio ExposureIs now the time to look beyond the U.S.? We discuss why undervalued international equities, especially in Europe, may present new opportunities, and what sectors are showing strength abroad.

✔️ Investing in YourselfIt’s not just about money — it’s about value. This episode encourages listeners to make career and lifestyle investments that build personal resilience, professional worth, and long-term stability.

Uncertainty can feel paralyzing — but this episode helps you take thoughtful, confident steps forward.

🎧 Subscribe for more grounded financial insight every week
📍 Learn more at www.privatefinancialdesign.com

In this episode of Your Bread & Butter, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® take a deep dive into thecurrent state of the U.S. economy — and where it might be heading.

Ever packed a bag without knowing your destination? Just wandered the airport hoping a flight felt right? Yeah, us neither. When it comes to your financial future, direction matters.

We’re here to unpack where the economy and markets stand today — and what’s on the horizon — so you can plan, prepare, and focus on what you can control.

✔️ Where Are We Now?A look at job market strength, key economic indicators, and legislative shifts that could impact financial strategies in 2025.

✔️ Tariffs, Trade, and TensionsU.S. trade actions — and the global response — with a breakdown of how Canada, Mexico, and China are reacting.

✔️ Confidence and ConsequencesFrom inflation uncertainty to consumer sentiment, we explore how businesses and individuals are positioning themselves for what’s next.

🎯 Stay tuned — this is just the beginning. Part 2 is coming soon with even more insight you won’t want to miss.

🎧 Subscribe and listen on your favorite podcast platform.📍 Visit us at www.privatefinancialdesign.com

So the bags are packed, the dorm fridge is loaded up, the Play Station is secured along with the TV, and the bills are starting to roll in...It's too late to plan for college expenses, but it IS time to pay. What can you do to get funding, again, without selling your kidney!

Listen in and get tips and practical ideas as to steps you can take so that your young adult can focus on their education and campus social life, while your checkbook meet's the challenge>

🎓 College Costs Are Coming!

Springtime means blooming flowers, warmer days… and yes, time to figure out how to pay for college! Whether you’re heading off for your first semester or gearing up for another year toward that degree or certification, planning ahead can save you a lot of stress—and all your vital organs.

We’re here to help you create a smart, doable funding plan—no kidney donations required. 🏥💸

Tune in to learn the key steps to cover college costs without resorting to black-market solutions. Your future (and your spleen) will thank you.

Welcome to “How to Lose Debt Weight” — the podcast where shedding pounds and paying down debt go together.

Like trimming fat from your waistline, we’re here to help you slim down your finances. We will help flex your budgeting muscles, cut the excess spending calories, and build strong saving habits that’ll leave your wallet lean and mean.

Join us as we train your mindset, coach your cash flow, and spot you on your journey to financial fitness. Getting in shape isn’t just for the gym — it’s for your bank account too.

Ready to lose the debt weight that’s been holding you back? Let’s get financially fit — one rep & one repayment at a time.

Subscribe now — and start losing your debt weight today.

There’s no shortage of financial advisors out there—but finding someone who truly puts your best interests first? That’s a different story.

When it comes to achieving your financial goals and turning your dreams into reality, working with a fiduciary—especially a Certified Financial Planner™ (CFP®)—can make all the difference. We’re here to show you why choosing the right advisor matters and how a CFP® can be your trusted partner every step of the way.

We use health professionals whose career training is to always seek our best interest for our physical and mental health. The same standard can be used for your monetary health as well. 

A financial fiduciary’s role is to always seek your best interest in giving advice about your money decisions and how it affects your plans, reality and your dreams. This podcast describes the unique characteristics of what happens when you work with a someone who is a fiduciary by trade and training.

’Tis the season—Hanukkah, Christmas, New Year’s—it’s all happening! Spread joy without breaking the bank or channeling your inner Scrooge. Find thoughtful gifts, celebrate with loved ones, and kick off the New Year debt-free and full of cheer!