Tag Archives: 401K

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Episode 13 – A Musician Whose Passion Is Supporting Musicians – With Mike Epstein



At some point in life, we all question who we want to be in the future and what it would take to achieve it.

In this episode of Yield of Dreams, Charlie Epstein sits down with his nephew, Mike Epstein, president at Epstein & Company. Mike reveals how music, drumming, and jazz guided him to determine his future. 

In this episode, you will learn:

  • When Mike realized that music was speaking to him 
  • Mike’s cruise ship work experience and how it gave him 13 years of luck  
  • The difference between artist management and booking 
  • When Mike realized it was time to go on his own and start his own business
  • And more!

Listen today to find out how Mike discovered who he wanted to be and how music contributed to his success!

Resources: Charlie Epstein | Epstein Financial | Mike Epstein | Epstein & Company | National Independent Talent Organization  | National Independent Venue Association


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Episode 12 – From New Orleans to the Rest of the World – With Guest Delfeayo Marsalis



According to many, Delfeayo Marsalis is one of the best musical trombonists of his generation. He is a top jazz composer and producer and comes from a family who has earned the nation’s highest jazz honor.

In this episode, Charlie Epstein sits down with the one and only Delfeayo Marsalis. Today, Delfeayo reviews and reflects on his musical journey and discusses how his trajectory and values have shaped him into the individual he is today.

In this episode, you will learn:

  • How has it been to learn from the “the best” of the jazz industry: Delfeayo’s experience 
  • How Delfeayo got his start in the music and trombone world 
  • Why financial security may be one of a performer’s main concerns 
  • Why family and mental health are so important to Delfeayo  
  • And more!

Tune in to find out everything you need to know about Delfeayo Marsalis’ journey as a trombonist, jazz composer, and producer!

Resources: Charlie Epstein | Epstein Financial | Delfeayo Marsalis | Facebook | Instagram | Otter | No Cell Phone Day


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Episode 11 – From War Settings To Country Music Stages – With Guest Keni Thomas



Keni Thomas is an American country music singer, author, speaker and former United States Army Ranger.

In this episode, Charlie Epstein is joined by Keni Thomas. Keni reviews and reflects on his journey as an army veteran, and as an author and speaker, explaining how his passion and purpose lead him to the American country music industry.

In this episode, you will learn:

  • Keni’s experience in the Battle of Mogadishu
  • Why Keni refers to the army as a “family business” 
  • The three potential choices one can make when looking to solve a problem 
  • How Keni overcame his “survivor’s guilt” 
  • How Keni broke into the music industry 
  • Charlie and Keni’s take on fear and faith  
  • And more!

Tune in to discover more about Keni’s journey from the army to the music industry!

Resources: Charlie Epstein | Epstein Financial | Keni Thomas  


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Episode 10 – Getting To Know Nick Nanton – With Guest Nick Nanton



Nick Nanton is an Emmy® award winning director, a best-selling author and a celebrated keynote speaker who helps entrepreneurs, thought leaders and businesses share their message and mission with the world through media. 

In this episode, Charlie Epstein speaks with Nick Nanton to review and reflect on his journey as a documentary filmmaker while discussing how his passion shaped him as the person he is today.  

In this episode, you will learn:

  • How Nick got into the branding and film documentary industry 
  • Charlie’s and Nick’s takes on getting paid to learn 
  • The better the guest, the better you become: What Nick learned from interviews 
  • What branding means to Nick 
  • Nick’s insight on working with a team in the creative and artistic industry 
  • And more!

Tune in and discover more about Nick’s personal and professional life!

Resources: Charlie Epstein | 413-478-8580 | Epstein Financial | Nick Nanton 

 


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Episode 9 – Is Borrowing Money From Your 401(k) A Good Idea?



For many, a common thought is that it’s a good idea to borrow money against your 401(k) if you are short on liquid income. But is this really the best idea for your future self?

In part five of this mini-series, Charlie debunks the myth that you should take money out of your 401(k) before your desirement years. 

In this episode you will learn:

  • Why it’s not a great idea to take a loan on your 401(k) before you retire
  • The difference between a loan provision vs. hardship distribution withdrawal
  • Alternatives to reduce expenses or create more liquid income
  • How taxes play into the 401(k) loan conversation
  • And more!

Tune in as Charlie reveals everything behind the myth that suggests you should borrow money from your 401(k)!

Resources: Charlie Epstein | Epstein Financial | (413) 224-3606


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Episode 8 – The Journey of a Self-Made Jazz Pianist – With Guest Fred Hersch



Vanity Fair proclaimed that Fred Hersch is the most arrestingly innovative pianist in jazz over the last decade.

In this episode of Yield of Dreams, Charlie Epstein is joined by 15 time Grammy nominee Fred Hersch, as Fred reviews and reflects on his journey as a musician, and discusses how his passion shaped him as the person he is today.  

In this episode, you will learn:

  • How Fred produced a solo jazz album from home 
  • Fred’s thoughts on practicing versus discovering and experimenting with music 
  • How jazz can be a personality-builder tool 
  • Charlie and Fred’s take on the idea of “waiting for the perfect time” 
  • And more!

Tune in as jazz musician Fred Hersch reveals how courage, confidence, capabilities, and persistence shaped his career! 

Resources: Charlie Epstein | Epstein Financial | Fred Hersch | Connect with Fred Hersch


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Episode 7 – Turning Adversity into Success – With Guest Remi Adeleke



Nigeria-born and Bronx-raised Remi Adeleke has experienced all of the good and the bad that life has to offer. He’s a pastor, actor, model, speaker, writer, and Navy SEAL, but he also experienced great loss early in his life.

In this episode, Charlie speaks with guest Remi Adeleke as Remi shares his life experiences, and explains how his book “Transformed” details his life journey from his start as African royalty to his young life in The Bronx, New York.  

In this episode, you will learn:

  • The wake-up call that made Remi turn to life as a Navy SEAL
  • The importance of having a father figure and how Remi found his in hip hop 
  • Who Remi’s mentors are and why he refers to them as “angels”
  • Remi’s insight about writing for books, movies, and TV shows 
  • Why Remi feels it is important for education to never stop
  • And more!

Tune in as Remi Adeleke reflects on the adversity he experienced and how it served him to build a successful life!

Resources: Charlie Epstein | Epstein Financial | Transformed: A Navy SEAL’s Unlikely Journey from the Throne of Africa, to the Streets of the Bronx, to Defying All Odds | Remi Adeleke LinkedIn | Remi Adeleke Instagram | Remi Adeleke Twitter | Remi Adeleke Facebook | MasterClass


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Episode 6 – Are You Living for a Living or Living for a Passion? – With Guest James Barbour



While most people make a living out of their jobs, how many are actually living for their passions?

In this episode, Charlie Epstein speaks with Broadway actor James Barbour as James explains what it takes to pursue your dreams, and how to make it happen.

In this episode, you will learn:

  • How James Barbour got his start in performing
  • Different ways that James adds marketing and branding tools to this acting career 
  • How James’s book helps artists “survive” in the industry 
  • And more!

Tune in as James explains the future of the artistic field while drawing on his personal experience. 

Resources: Charlie Epstein | Epstein Financial Services | James Barbour | The Artists Survival Guide: What They Didn’t Teach You In School | YouTube 


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Episode 5 – Will You Really Be In a Lower Tax Bracket When You Retire?



There’s an age-old myth that suggests that you’ll be in a lower tax bracket when you retire, but is that really true? How can you save money in taxes after you retire?

In part four of this mini-series, Charlie Epstein explains “The Power of Zero” and how it can help you eliminate tax risk when it comes to your retirement planning.  

In this episode, you will learn:

  • Why you should always consider taxes when investing
  • The role of the government when it comes lowering and raising taxes
  • What state taxes are, and how state relocation can potentially help you save money
  • A comparison between the old and new tax-related Congress rule 
  • And more!

Tune in as Charlie teaches you his technique for 10-year tax-free living!

Resources: Charlie Epstein | Epstein Financial | (413) 224-3606 | Part 1 | Part 2 | Part 3


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Episode 4 – Debunking the Myths About Your Money — Part Three



Do you think you need to stop working to be happy in your desirement years?

In the third episode of this miniseries, Charlie debunks myth number four, that you have to stop working to be happy in your retirement years. He explains the importance of having life goals and ensuring that they are reflected in your financial reality.  

In this episode, you will learn:

  • Why you should think about your date of death
  • Why you need to consider “harvesting your crop early” in order to achieve your passion
  • The importance of nourishing your mindset in ways that serve your goals
  • What a needs-based rate of return is and how to utilize it to guarantee your income for the rest of your life
  • And more!

Tune in as Charlie reveals everything behind the myth that suggests that you have to stop working to be happy! 

Resources: Epstein Financial | (413) 224-3606 | mforest@the401kcoach.com | Part 1 | Part 2