Best David Mulonas Podcasts (2025)

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PFT #101 - Personal Finance Tip of the Week: Can You Afford a Home? 3:49

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2M ago3:49

3:49

Seeing that 75% of Americans live paycheck-paycheck and can’t afford to retire at 65 years of age, this means that they cannot afford their homes. With this statement you may think that is not right! People stay in their homes without missing payments throughout their lives. This may be true; however, when you look at it holistically, a different v…

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PFT #100 - Personal Finance Tip of the Week: Medical Bills, Deductibles and Copays 3:18

6M ago3:18

3:18

It’s no secret that medical bills are among the most significant expenses we face in our lifetimes. While we often can’t control the cost, there are several ways to soften the financial impact.Let’s perform a diagnosis—and a treatment plan: Verify Insurance Processing: When you receive a medical bill, confirm that your insurance claim has been full…

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PFT #99 - Personal Finance Tip of the Week: The Annual Escrow Analysis 3:29

7M ago3:29

3:29

For most owners, when they purchase their homes, the monthly mortgage payment is a fixed amount for 30-years and sometimes 15, people still become accustomed to a standard payment each month. On top of the mortgage payment is an escrow account established by the lender to manage payments typically for property taxes, homeowners insurance, and, in s…

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PFT #98 - Personal Finance Tip of the Week: Can You Find $100 in your Budget? 3:52

8M ago3:52

3:52

In the prior personal finance tip #97 which was how to save on the little things, we mentioned how to be awarded with Amazon digital credits for delaying delivery and we mentioned buying a monthly car wash plan. We also covered the value of buying long term products and services rather than single use items which occur multiple times. Lastly, we co…

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PFT #97 - Personal Finance Tip of the Week - The Little Things That Save You Money 2:44

9M ago2:44

2:44

Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast When it comes to budgeting, peo…

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PFT #96 - Personal Finance Tip of the Week: Navigating the Rising Cost of Auto Insurance 2:37

9M ago2:37

2:37

According to Bloomberg, auto insurance rates in the US have increased by 37% since January 2020, and as of December 2024, the trend shows no signs of slowing down.This is understandably concerning. When you factor in car payments, fuel, and maintenance along with insurance, auto expenses can easily become one of the largest budget categories. Sever…

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PFT #95 - Personal Finance Tip of the Week: The Mortgage Refinance Double Trap 3:41

1+ y ago3:41

3:41

In times of high interest rate environments, most people will not refinance due to the cost. With that being said, circumstances arise to warrant this, such as divorce, marriage or a job relocation. For the most part, people wait for the federal reserve to cut rates so that borrowing money is more palatable. For example, at the time of this recordi…

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PFT #94 - Personal Finance Tip of the Week: The Superbowl, Inflation and Compound Interest 3:35

1+ y ago3:35

3:35

Today is 2/11/24 which is the Superbowl with the Kansas City Chiefs vs. the San Francisco 49’ers and this marks the 57th time that this game will have been played. This is a large amount of years, so we decided to run some math based on the amount at which things are consumed and what they cost. Let’s start with advertising and the cost for a one m…

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PFT #93 - Personal Finance Tip of the Week: Credit Cards After The Holidays 3:11

1+ y ago3:11

3:11

After the December holidays we often hear people talk in social groups and in the media that the credit card bills are coming due as a result of shopping during the December holidays. Obviously, this means only one thing: that if you have payments coming, debt was compiled that can’t be paid off in one billing cycle. Moreover, the simple fact is th…

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PFT #92 - Personal Finance Tip of the Week: Try Escheating to Find Unclaimed Property 2:55

1+ y ago2:55

2:55

Okay, you’ve got to be escheating me. What on earth does that mean? The definition derives from medieval times, in feudal law. When a landowner (tenant of a fief) died without an heir or committed a felony, a process was needed for the ownership of the land. In modern times it is the right of a government to take ownership of estate assets or uncla…

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PFT #91 - Personal Finance Tip of the Week: Gift Card Management 2:50

1+ y ago2:50

2:50

The United States culture tends to recognize many types of celebrations and this has created a common theme of replacing presents with gift cards. They are easy to purchase, simple to use and the beauty is that people can shop for what they want without having to wrap and return items. Throughout the years gift cards can accumulate in wallets or de…

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PFT #90 - Personal Finance Tip of the Week: Ordering Supplies for Landscaping and General Contractor Jobs 2:05

1+ y ago2:05

2:05

According to Zippia.com, in 2021 the average amount homeowners spent on home improvement was $10,341 which was up 25% from 2021. This makes sense as people spent their cabin fever time improving their homes and now that Covid is more controlled. People are spending more due to M1 money supply with unemployment and stimulus checks. Now that labor ra…

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PFT #89 - Personal Finance Tip of the Week - Choosing Invisible or Bluetooth Fence for Your Dog 2:25

2y ago2:25

2:25

If you have a dog and a fenced-in yard, this helps your furry companion with better overall health as it provides him the ability to be outdoors, exercise and have a consistent marked territory. On the other hand, if you do not have a fenced yard, this is where the invisible fencing comes into play. Other than the shock factor that your pet will ad…

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PFT #88 - Personal Finance Tip of the Week: Knowing When to Refill Your Propane Tank 2:37

2y ago2:37

2:37

According to AgHires, Over 74 million Americans grilled out for the 4th of July. Of this food, burgers will be cooked by 85% of people, steak 80%, and chicken 73% and not to mention, 150 million hot dogs. When it comes to grilling, 61% of people choose propane and 49% for the charcoal purists according to statista.com. Now that we’ve had some heat …

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PFT #87 - Personal Finance Tip of the Week: Rotating Your Furniture Extends Its Life 2:03

2y ago2:03

2:03

When it comes to using a couch, sofa or chair, many people simply use it and do not think about maintenance; however, this may leave you with furniture that wears out prematurely. So to avoid this, let’s go through some tips: 1. Rotate and fluff seat and back cushions regularly. This simply extends the life of the furniture 2. Rotate identical upho…

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PFT #85 - Personal Finance Tip of the Week: Purchasing Event Tickets and Parking 2:25

2y ago2:25

2:25

Even in times of rising inflation, people seem to be going out and spending money. This is likely to occur for some time until things are too expensive and we fall into a recession or in stagflation state. At the moment the world has a handle on Covid and entertainment venues are filling the seats. So when going to an event, the question is: do you…

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PFT #84 - Personal Finance Tip of the Week: Eco-Firendly Toilets 2:49

2y ago2:49

2:49

The Earth might seem like it has abundant water, but in fact less than one percent is available for human use and we are running out of it. So let’s push down the handle on some Flush Facts: According to the EPA, the average American uses 300 gallons of water per day or about 80 gallons per person. In addition, roughly 70 percent of this use occurs…

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PFT #83 - Personal Finance Tip of the Week: Gas Gouging 2:20

2y ago2:20

2:20

In times when inflation is rising, we experience higher prices for our goods and services as well as shortages. For example, In the grocery store, we’ve experienced products in limited supply from toilet paper to baby formula. When a desired product is available, it is emptied as soon as it was stocked. When it comes to gasoline, supply chain disru…

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PFT #82 - Personal Finance Tip of the Week: Better Battery Company's Eco Batteries 2:20

2y ago2:20

2:20

This week’s personal finance tip is about Better Battery Co’s Recycling and Delivery Program. Can you imagine how many batteries are in landfills considering every household uses them? According to The California Department of Resources and Recycling, it is estimated that 4 billion disposable batteries are shipped to the US each year and that means…

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PFT #81 - Personal Finance Tip of the Week - Cell Phone Insurance 2:12

2+ y ago2:12

2:12

It seems that everyone has a cell phone and back in the day that was the sentiment for owning a television.The difference is that people’s devices are attached to the palm of their hands. The interesting thing is that a cell phone can cost more than most T.V. 's but we tend to test their durability. It is plausible to say that people drop their pho…

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PFT #44 - Personal Finance Tip of the Week: The Cell Phone Wars 2:01

2+ y ago2:01

2:01

It seems that everyone has a cell phone and back in the day that was the sentiment for owning a television.The difference is that people’s devices are attached to the palm of their hands. The interesting thing is that a cell phone can cost more than most T.V. 's but we tend to test their durability. It is plausible to say that people drop their pho…

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PFT #80 - How Rechargeable Batteries Power up Your Budget 2:37

2+ y ago2:37

2:37

When it comes to our finance tips, we haven’t covered reusable batteries as this seems like a no-brainer; and that exactly a case; however, sometimes we need a reminder. Rechargeable batteries have been around since I was a kid in the 70’s and they juiced up my remote control cars and my giant dual tape deck boom box radio. Now that we are in the 2…

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PFT #79 - Personal Finance Tip of the Week: Stock Market and Inflation Capitulation 2:06

2+ y ago2:06

2:06

This week’s episode is about the stock market and inflation capitulation. At the time of this recording the stock market as a whole is 20% down from its previous high water mark and inflation hasn’t been this high since Luke and Laura were popular on General Hospital. So when this occurs many people begin to panic about what to do with their invest…

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#142 - The Impact of AI on the Job Market 40:06

2+ y ago40:06

40:06

There is no doubt AI will impact the amount of jobs available in the future and how much money people can make. What jobs are at risk? Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/So…

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PFT #78 - Personal Finance Tip of the Week: How To Stretch a Tank of Gas 2:37

2+ y ago2:37

2:37

The average cost for a gallon of gas as of this recording is $4.22 according to AAA. Not to mention that this has been going on for weeks and it may stay this way for several more cycles. So what can we do to get more out of our tanks of gas? #1 Use apps such as GasBuddy which is our PFT #23 to find the lowest costs in your area. I always go to Cos…

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#136 - The Most Regretful College Career Choices and Careers 34:13

3y ago34:13

34:13

We review the top ten worst college degree choices. Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcastBy David Mulonas

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#135 - The New Climate Change Communities Avoiding Catastrophes 34:10

3y ago34:10

34:10

The new climates chage communties are protecting themselves from the results of typical major disastors. Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast…

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#132 - The Best Countries to Live In - Where Does the US Rank? 33:08

3y ago33:08

33:08

What is the best country to live in? Hint - it is not the United States. Are you suprised? Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast…

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#130 - NFL Rookies Dinner 34:14

3y ago34:14

34:14

Should NFL rookies have to pay $3,000 - $50,000 for hazing dinners with veterans? Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast…

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#127 - Goverment Positions Term Limits 25:46

3y ago25:46

25:46

Should congress have age and term limits? Is that discriminatory? There are brginning age limits to hold a position so why isn't that the case on when one cannot hold a position? Website: https://www.somethingonmymind.net/ Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tikto…

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#124 - The 327 Square Foot Apartment Coming to Town Near You 50:47

3y ago50:47

50:47

This week we talk about the the future of tiny home apartments where the walls and fixtures move by way of robotics to create five different living spaces. Website: https://www.somethingonmymind.net/ Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lan…

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#123 - Why People are Leaving California 54:17

3y ago54:17

54:17

This week discuss the trend of people leaving California due to the Pandemic, The Great Resignation, Climate and Cost of Living Website: https://www.somethingonmymind.net/ Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.co…

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#121 - The $1.2 Billion Mega Million Winner 46:16

3y ago46:16

46:16

What would you do with $1.2 billion? The Mega Millions just had its largest winner ever. Website: https://www.somethingonmymind.net/ Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm…

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#120 - Please Don't Invite Me to Your Weeding. I'm Broke 41:55

3y ago41:55

41:55

This week we talk about how there are a record number of weddings in 2022 and the people attending them are going broke Website: https://www.somethingonmymind.net/ Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.p…

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PFT #77 - Personal Finance Tip of the Week: Avoiding the Hidden Fees With Goods and Services 2:13

3+ y ago2:13

2:13

This week’s topic is about those pesky fees when paying for good and services. In the digital age with money, there is a 100% chance that you can pay for goods and services electronically. In my case, I pay with a credit card whenever I can so I can get reward points as well as protection that it offers against theft. However, there are circumstanc…

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#108 - Are You Saving Enough for Future Retirement? Compound Interest is Your Best Friend 38:45

3+ y ago38:45

38:45

In this week's episode we discuss if are people are saving enough for future retirement. The average American has just over $65,000 in their investment accounts. This is no where near the money that will be needed to retire. Each person should be saving 10-15% of their gross income to achieve this goal. We discuss what options that can help you ach…

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PFT #76 - Personal Finance Tip of the Week: How to Manage Bonus Checks With Your Retirement Plan 2:27

3+ y ago2:27

2:27

There is nothing wrong when the word “bonus” is used in a sentence. When it comes to money this is even better. According to Zippia.com 33% of companies in the U.S. offer year-end bonuses and 40.5% of all U.S. workers have access to nonproduction bonuses. In addition, with Great Resignation, many companies are offering sign-on bonuses to attract ne…

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PFT #75 - Personal Finance Tip of the Week: Are All Inclusive Trips Worth the Money? 2:26

3+ y ago2:26

2:26

Raise your hand if you've been to an all-inclusive trip. I have and I love them. When I think of this type of vacation, I envision the aquamarine water, cooling sand, sensuous smells from the grill and of course, tropical drinks. So a common question that we receive is: are all-inclusive worth the money? It depends, so let’s explore: The advantage …

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#106 – The Recycling Problem 1:08:41

3+ y ago1:08:41

1:08:41

This week's episode is about the recycling problem, specifacally with plastic that is harming our planet. We talk about solutions that exist and what measures can be taken to solve the matter that concerns our precious planet. Are we too late? Probably. In the rountable, we talk about a weird dating experience due to a hangry episode. Website: http…

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PFT #74 - Personal Finance Tip of the Week: Planning for Gifts in the Monthly Budget 2:25

3+ y ago2:25

2:25

This week’s topic is about planning for gifts in your budget. Right off the bat, think to yourself and ask when is the last time that I purchased a gift for someone. More than likely it has been in the last month. If not, that’s what most people average over the course of a year. When we think of gifting, it is often for the end of year holidays or…

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#105 - The Biden Billionaire Wealth Tax Bill: What is it and Will it Pass In Congress 45:27

3+ y ago45:27

45:27

Joe Biden's budget proposal for the 2023 fiscal year includes a Billionaire Minimum Income Tax. The budget proposes that all households worth more than $100 million pay at least 20 percent in taxes on both income and unrealized appreciation which is an increase in an unsold investment. The projection will raise $360 billion. The questions is . . . …

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PFT #73 - Personal Finance Tip of the Week: Travel Tips Round 2 2:08

3+ y ago2:08

2:08

This week’s topic is about luggage and tolls when traveling. So who's ready for a vacation? I am and I just got back from a recent trip! Now during the course of my freedom I was reminded of a few things that can help you when traveling. The first thing is packing your items. Most airlines will charge you for a checked bag and if you exceed 50 poun…

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#104 - Michael Unbroken: His Story of Childhood Abuse and How He Became a Successful Entrepreneur 55:39

3+ y ago55:39

55:39

This week's episode conducts and interview with Michael Unbroken: He is the host of the Think Unbroken podcast which centers on child abuse; and he also offers many free and paid healing coaching programs and courses on his website. He has an amazing story and I think many people would be homeless. in a bad way or deceased as an adult. So he is on …

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PFT #72 - Personal Finance Tip of the Week - Term Life Insurance is a Low Cost Investment for Your Loved Ones 2:37

3+ y ago2:37

2:37

This week’s topic is term life insurance. One of the most important things that people want to do is protect their family In the unfortunate event when they pass away. One of the easiest ways to do this is term life insurance and costs have come down significantly due to advances in medical technology. For the most part, it is perhaps the lowest co…

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#103 - Crypto Regulation and The United State's Mission to be a Global Leader 44:14

3+ y ago44:14

44:14

This week's episode is about the future of crypto regulation. In time a global structure will be put into place and the United States is seeking to be the leader. With China banning crypto, this opens the door to be a superpower with digital coins. The U.S. is also looking into a digital coin to outright remove the paper money and metal coin exchan…

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PFT #71 - Personal Finance Tip of the Week: How to Manage Rising Gasoline Prices 2:26

3+ y ago2:26

2:26

This week’s topic is about managing gasoline prices. For the last several years, we have been experiencing stable and low prices at the pump due several reasons including the proper supply and the United State’s ability to produce more crude. With that being said, the oil that we use comes from several sources including Russia; however, most of the…

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#102 - The Medical Bill Problem: How to Understand it. Lower It. Manage it. 43:40

3+ y ago43:40

43:40

This week's episode covers the medical debt problem in the United States. About 20% of Millennials and Gen Xer's have defaulted on their bills. We will cover ways to understand your bill and how to ensure that it is accurate. In addition, what you can do to lower outstanding debt and pay less before being billed. In the roundtable, we speak about b…

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PFT #70 - Personal Finance Tip of the Week: Uncorking the Secrets for Preserving and Enjoying Wine 2:22

3+ y ago2:22

2:22

This week’s personal finance tip is about managing your wine. A personal finance tip on wine you say? Absolutely! How often have you opened a bottle and two days later it begins to taste like vinegar? This has to do with oxidation and then your pouring it down the drain. To find wines that are made with purpose for a value play, you have to spend b…

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#101 - Is the Real Estate Pay Structure Fair and Who Likes Tatoos? 59:20

3+ y ago59:20

59:20

This week's episode is about the real estate agent pay structure. The standard pay for a seller is 6%; 3% to the seller's agent and the 3% to the buyer's agent. In the scheme of things, this a very costly venture for the seller. For the buyer it is 2-6% of the purchase price to obtain the home for fees, title, taxes, insurance etc. Does the system …

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PFT #69 Personal Finance Tip of the Week: The Hidden Value of Measuring Furniture and Appliances 2:37

3+ y ago2:37

2:37

This week’s topic is about the hidden value of measuring furniture and appliances before purchasing them. It is a great feeling to buy new big ticket items such as a refrigerator or a furniture set. It is fresh, it is untarnished and everyone loves the way it looks in the house. So when it comes to making a new purchase, a common mistake occurs whe…