FinancialGinger is a podcast where real stories meet real value. Hosted by Jacob Johnson, an insurance agent with a passion for service, the show helps listeners build, protect, and grow their financial confidence. From renters-turned-landlords to local business owners and money pros, each guest shares actionable insights and stories that inspire smarter decisions and a stronger future. Because at FinancialGinger, it’s not about impressing you—it’s about serving you.
FinancialGinger
Claim This Podcastby Jacob Brad Johnson
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54 episodes
Updated Daily
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Podcast Overview
FinancialGinger is a podcast where real stories meet real value. Hosted by Jacob Johnson, an insurance agent with a passion for service, the show helps listeners build, protect, and grow their financial confidence. From renters-turned-landlords to local business owners and money pros, each guest shares actionable insights and stories that inspire smarter decisions and a stronger future. Because at FinancialGinger, it’s not about impressing you—it’s about serving you.
Language
🇺🇲
Publishing Since
11/11/2025
1 verified contact email on file for FinancialGinger
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Recent Episodes
June 5, 2026
Why the S&P 500 Beats 90% of Professional Investors (Even Billionaires Use It)
<p>Most people are paralyzed when it comes to investing… should they buy individual stocks, or Bitcoin, or just bet it all on black at the casino?<br></p><p>Jacob sits down with Tom Bernard, author of The Index of America, to reveal why the S&P 500 is the single greatest wealth-building tool in history, and why almost nobody fully understands how powerful and simple it really is.<br></p><p>What You’ll Learn:</p><p>- Why the S&P 500 represents ~85-90% of the U.S. public market</p><p>- How the index actually works (selection committee, market-cap weighting, float adjustment, rebalancing)</p><p>- The SPIVA report: Why the S&P 500 beats ~90% of active managers over time</p><p>- The power of low costs, tax efficiency, and share buybacks</p><p>- Real-world proof: Warren Buffett’s advice for his wife + Nevada Public Employees Retirement System</p><p>- Simple action steps for beginners to start investing in the S&P 500</p><p>~~About the Author~~</p><p>Tom Bernard is a finance professional with more than two decades of experience analyzing markets, taxation systems, and corporate economics. He holds an MBA from The Wharton School at the University of Pennsylvania, a Master of Science in Taxation, and dual undergraduate degrees from the University of California, Berkeley.<br></p><p>Earlier in his career, he worked in financial analysis and valuation at firms including PwC and Arthur Andersen. A passionate educator, Tom has taught personal finance at the City College of San Francisco, helping students navigate the complexities of investing with clarity and confidence.<br></p><p>Connect with Tom Bernard:</p><p>Instagram: @INDEXOFAMERICA</p><p>YouTube: @INDEXOFAMERICA</p><p>Website: www.indexofamerica.com</p><p>Book available on Amazon, Barnes & Noble, Target</p><p>Audiobook available on Spotify</p><p>~~Get on a call with Jacob~~</p><p>🌐 https://cal.com/financialginger</p><p>Text/Call: 801-216-8444</p><p>FB: https://www.facebook.com/FinancialGinger</p><p>Insta: <a href="https://www.instagram.com/financialginger/"><u>https://www.instagram.com/financialginger/</u><br></a></p><p>🎤 FinancialGinger — Better Money Choices<br></p><p>🎤 Episode #54: FinancialGinger</p>
May 30, 2026
Car Accident Checklist: 6 Steps To Avoid Getting Screwed
<p>Car accidents are stressful enough, don’t make them worse by not following these steps.<br></p><p>In this episode of FinancialGinger, Jacob Johnson (insurance agent with nearly 8 years of experience) I share the exact 5-step process you should follow after any car accident to protect yourself, strengthen your claim, and avoid denied claims, or worse, being found at-fault for something that wasn’t your fault!<br></p><p>Whether it’s a fender bender in a parking lot or a more serious collision, these steps can save you thousands in the long run.<br></p><p>What You’ll Learn:</p><p>- Why you should always get a police report (even for tiny bumps)</p><p>- The power of taking photos of everything (and the crazy story of a Walmart parking lot claim gone wrong)</p><p>- Why saying “I’m sorry” or offering money can make you at-fault (This one pisses me off)</p><p>- Who’s insurance should I call? My own or the guy who hit me? (and when you should file on your own policy vs. theirs)</p><p>- The bonus step most people skip: seeing a doctor (even after minor accidents)</p><p>- Real stories of claims that went bad, and how following these steps would have pretend big problems.</p><p>I also explain Utah-specific details like PIP/medical coverage and why timing matters so much.<br></p><p>Get on a call with Jacob for a free insurance review:</p><p>🌐 https://cal.com/financialginger</p><p>Text/Call: 801-216-8444</p><p>jacobinsuresutah@gmail.com</p><p>FB: https://www.facebook.com/FinancialGinger</p><p>Insta: <a href="https://www.instagram.com/financialginger/"><u>https://www.instagram.com/financialginger/</u><br></a></p><p>🎤FinancialGinger — Better Money Choices</p><p>🎤 Episode #53: FinancialGinger</p>
May 22, 2026
The Retirement Strategies High-Income Entrepreneurs Use to Slash Taxes
<p>You’ve probably heard of a Roth IRA or a 401(k)…</p><p>But most entrepreneurs have no idea there are retirement accounts that can let business owners save FAR more money while potentially reducing taxes at the same time.</p><p>In Episode #52 of FinancialGinger, Jacob sits down with Certified Financial Planner Michael Espinosa (President of True North Retire, $200M+ AUM) to reveal the important retirement strategies that let business owners save dramatically more, with huge tax advantages.<br></p><p>Michael breaks down exactly when and how to use each type of plan as your income grows and business changes. Whether, you’re a self-employed solo-preneur, have a company with 10 employees, or are on the path to 100’s of employees.<br></p><p>What You’ll Learn:</p><p>- Why retirement accounts beat a normal brokerage account (the massive tax incentives most people miss)</p><p>- Traditional IRA vs Roth IRA – which one actually makes more sense for growing entrepreneurs</p><p>- SIMPLE IRA – when it’s worth using (and when it’s not)</p><p>- SEP IRA – contribution limits and who it’s best for</p><p>- Solo 401(k) – employee + employer contributions, profit sharing, and how to max it out</p><p>- Cash Balance Plans – the “pension on steroids” that lets some high earners put away $200K–$300K+ per year</p><p>- Income thresholds for moving from IRA → SEP/SIMPLE → Solo 401k → Cash Balance</p><p>- Roth strategies, catch-up contributions, and recent changes from Secure Act 2.0</p><p>- Why you should talk to a CPA before a financial advisor</p><p>- How to coordinate plans when you have employees (and common compliance traps)</p><p>Whether you’re just starting a side hustle or already making multiple six figures, this episode gives you the exact roadmap most financial advisors don’t explain to solopreneurs.</p><p>About The Guest: </p><p>Michael Espinosa is the president of True North Retire, where he specializes in helping businesses design and manage effective 401(k) plans. He’s a Certified Financial Planner with a passion for making complex financial decisions practical and approachable. </p><p>He’s currently writing a personal finance guidebook focused on clarity, values, and long-term progress. Outside of work, he’s an outdoors enthusiast, and he and his wife—also a Certified Financial Planner—often collaborate and exchange ideas around money and mindset. </p><p>Michael@tnrs.com - for 401(k) plan assistance</p><p><a href="https://truenorthwealth.com/michael-espinosa/"><u>https://truenorthwealth.com/michael-espinosa/</u><br></a></p><p>Get on a call with Jacob!</p><p>🌐 https://cal.com/financialginger</p><p>FB: https://www.facebook.com/FinancialGinger</p><p>Insta: https://www.instagram.com/financialginger/</p><p>🎤FinancialGinger — Better Money Choices</p><p>🎤 Episode #52: FinancialGinger</p>
54 total episodes available
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Frequently asked questions
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- What is FinancialGinger?
- How often does this podcast release new episodes?
This podcast updates daily.
- Where can I listen to this podcast?
This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
- Does this podcast accept guests?
Yes, this podcast regularly features guests.
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