033: Smart Investment Decisions: A Guide to 401ks, Roth IRAs & Saving for the Future with Jami McCree

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Show Notes

Show Notes

In this episode of The Anchored Decision Show, Lauren sits down with financial advisor Jami McCree to take a deep dive into investing—what it looks like, when to start, and how to prioritize it alongside other financial goals. Jami shares her personal journey into financial advising, the biggest mistakes she sees families make when it comes to saving, and what she recommends to make the most of your income—whether you're just starting out or playing catch-up mid-career. You'll walk away with a clearer understanding of 401ks, Roth IRAs, and how to build a strong financial foundation that honors your long-term goals and faith-based values.

Links From This Episode:
✨ Chapman Capital Advisors
✨ Schwab MoneyWise: moneywise.schwab.com
✨ Synchrony Bank High-Yield Savings: synchronybank.com
✨ Index fund sites: Charles Schwab, Fidelity, E-Trade
✨ FREE Decision Compass for setting the lens from which you make decisions.

Key Points:
🔑 A strong financial strategy begins with knowing where your money is going—budgeting is step one.
🔑 Always take advantage of employer 401k matches—it's free money!
🔑 Build an emergency fund (3–6 months of expenses) to avoid relying on credit.
🔑 Pay down high-interest debt after establishing basic financial safety nets.
🔑 Aim to save at least 10% of your income toward retirement, increasing over time if you’re starting late.
🔑 Roth IRAs are great for younger or lower-income individuals, while pre-tax 401ks benefit higher earners.
🔑 The earlier you start saving, the more powerful compound interest becomes.

Your Action Step for the Week:
Sign up for a free Schwab MoneyWise account

Where to Connect with Jami:
✨ Website: chapmancapitaladvisors.com
✨ Facebook + Instagram: [@JamiMcCree at Chapman Capital]
✨ Local to Stuart, FL? You can meet with Jami in person

🔔 Don’t forget to subscribe for more faith-based decision-making tips!

Connect with Me:

🌟 www.instagram.com/anchoreddecisions
🌟 www.facebook.com/anchoreddecisions
🌟 www.pinterest.com/anchoreddecisions

Check out my website and decision guide shop:
🌐 www.anchoreddecisions.com
🛍️ www.anchoreddecisions.com/shop

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Transcript

Lauren: 

Are you as clueless as me when it comes to investing? Things like 401Ks, the S&P500, Roth IRAs? If that's you, then today's guest is going to bring you so much gold and insight into how to get started in investing. Some strategic ways to start saving for your future and how to decide what to invest in and when, depending on your personal circumstances.

This is part two in a two, two-part series on making faith-based financial decisions. Part one was episode 32 where Emily Scott laid a foundation for faith-based money management.

She went over things like setting a budget, the importance of stewardship and other Christian principles to live by. Today's guest, Jami McCree dives deeper into investments: how to get started with investing, what you should have in place first, where to find resources and other wise tips for making the most of your money and getting a return on your investment.

Enjoy.

Intro:  Welcome to the Anchored Decisions Show. I'm your host, Lauren Black, the world's biggest overthinker turn decision coach, all by the grace of God. Now I'm on a mission to help you make easier decisions, discover God's will and live with purpose. Tune in weekly to hear real life decision stories, expert insights, and faith-based strategies to help you navigate your decisions with confidence, so ditch your pros and cons list and learn to make better decisions without asking your mom or losing another night sleep. Let's go.

Lauren:
All right everybody, we are back and I am so excited for today's guest, Jami McCree. Now, Jami is someone that's local to me and we've known each other since high school, so it's fun to have a local guest and somebody that goes to my church and just connects—though we are recording remote so that we don't have microphone issues.

So yeah, Jami is a financial advisor based in Jensen Beach, and she lives with her husband and two young children. After earning her MBA, she started her career as a financial advisor trainee at Merrill Lynch in Stuart, Florida, focusing on financial planning and investment management for high-net-worth families. Over a decade of experience led her to earn the Certified Private Wealth Advisor designation—so that's CPWA. And in 2023, she took a leap of faith and joined Chapman Capital Advisors to build her own book of clients.

So Jami now works with individuals and families at all stages of life, particularly helping younger families make smart financial decisions that will have long-lasting benefits.

So Jami, welcome to the show.

Jami:
Thank you so much for having me. This is the first time I've done anything like this, so it's nice to be doing it with a friendly face that I know. So thanks again for having me today.

Lauren:
Yeah, no problem.

I knew through connections at church that Jami was into financial planning and she's very involved in the community—like donating some products and services to charity auctions and things like that. So I just love your heart and that you would have a great perspective to share for my audience on investing, since obviously this isn't my suit of expertise, so I needed someone who could.

As I had mentioned in the opening, in the last episode I had a guest who shared more of a general overview on how to get started with financial decisions—like setting a budget, how to start saving, how to approach finances from a Christian’s perspective. But today I wanted to dive deeper into investing. This is a topic I've had people request—they just want to know what they should be looking for in investing and how to approach it, and you know, the difference between an IRA and a 401k.

So Jami will be helping us with all of that. Jami, let’s just start off with—is there anything else in your story or your background that you want to share about how you even got into financial advisory and this field?

Jami:
Yeah, sure. To be completely honest, I sort of fell into it. I was originally planning on going to law school, wanting to be a corporate attorney, and I went through a lot of questioning of whether that was really right for me. So I got my MBA, I decided I did not want to go on to law school, and a family friend introduced me to somebody who worked at Merrill Lynch. They said, “Why don’t you go in and talk to him?”

I showed up at the office, he shakes my hand, introduces me to the branch manager who sits me down in an empty office and says, “Here’s a test to take.” And I was thinking, “Wow, I thought I was just here to ask some questions.” So I was sort of thrown into the fire, and they said, “We’ll hire you right now. We’re trying to ramp up this training program.” Again, sort of luck—family friend—that I fell into that opportunity, and I really liked it.

Here I was: young, educated, undergrad business degree, master’s—and yet all of my friends who were starting to get jobs were like, “I guess I’m supposed to sign up for this 401k thing. I don’t know what I’m doing.” And it was such a reminder that we aren’t taught enough in school—whether that be high school, college, or advanced degrees—about the basics of personal finance and how to invest. Unfortunately, for most people (myself included), if it's something we're not comfortable with, we just tend to ignore it, right? And do nothing, because that’s the easier thing.

So I felt really empowered that I had all this knowledge and training, and all my friends were coming to me and I was just helping them sort of get going in their 401ks or whatever their investment journeys were. And I really liked it. So I want to continue that journey of just helping young families get going early, because the best thing when it comes to investing is when you have time on your side.

Lauren:
Yeah, yeah. I love that. I didn’t realize that about your story.

So let’s dive into the topic. How do you recommend prioritizing different financial goals, especially for those where money might be tight—like retirement, debt repayment, saving for children’s education?

Jami:
Right. Nobody likes to hear this, but everything really does start with a budget. If you don’t know where your money’s going, you’ll wonder where it went. I constantly find people who say, “Well, money’s tight. I can’t this, I can’t that,” and maybe I can see what kind of car they’re driving or other things where I can say, “Well, let’s just go through it. Have you tracked your spending?” And most of the time the answer is no.

So, understand where your money is going—step one. But then it’s: “I know where my money is going. How do I prioritize those things like saving for retirement, college, debt paydown?” I sort of have this financial order of operations—if you remember that from high school math.

The first one being: if you are lucky enough to work for a company that offers a retirement plan like a 401k, most of the time there’s some sort of employer match to that. Meaning maybe if I put in 3% of my own paycheck, the company will then match it dollar-for-dollar up to a certain percentage. Usually that’s somewhere between 3% and 6%. And so I tell people, number one thing—if that is an option for you—make sure you are taking advantage of that above anything else because that is free money that you could potentially be leaving on the table.

I’ll see people say, “Oh, well I’m doing 4% or 5%,” and I will log into their 401k with them, and they don’t understand. They think they’re getting the match. I say, “No, you actually have to do 6% to get the full company match of X percent.” And so even if we have to rearrange savings somewhere else, the goal is: never leave free money on the table.

That’s sort of step one—know what your benefits are if you do have that opportunity, and make sure you’re taking advantage of it.

Beyond that, the rule of always keeping an emergency fund—right? Three to six months’ worth of expenses that you just have in liquid savings. So outside of retirement accounts—something that’s in a savings account. It can be a high-yield savings; Synchrony Bank is a great one that’s free to use. You can earn a little over 4% on just money that’s not invested, but just earning a stated interest rate.

But that’s so important because it helps you be financially at peace, right? Knowing that you have that money that’s not subject to market fluctuations, that’s not tied up in an account that you can’t access until retirement—but it’s there truly for an emergency. And that’s so important because without that, that’s what tends to lead people into debt. They pull out the credit card for large purchases that they shouldn’t be using. So an emergency fund helps avoid that.

So once you’ve got those things going for you—right? Maxing out the 401k match, you’ve got your emergency fund—then you can start really looking at your debt paydown.

While you’re doing those first two steps, you should always be making the minimum payments on your credit cards if you are carrying a balance. And if you do have debt on a credit card that’s lingering and you’re making those minimum payments, well, maybe after you’ve done those other first two things, you start paying the debt down quicker.

I personally—there’s different ways to pay down debt—believe in paying down the debt that has the highest interest rate on it, to get that knocked down as quickly as possible.

Once you’ve done those three things—you’re not carrying credit card debt—then you look back and say, “All right, where else could I be directing my money?” A good rule of thumb is: from whatever age you are, you should be saving at least 10% of your money every year for retirement.

So let’s go back to that first step. All right, I got my employer match, so I’m putting in 5% to get the full match. Well, that’s great. You’re putting in five, the employer is also putting in five. But if you’ve done those other things—emergency fund, no debt—then where else could you save?

You could increase your 401k contributions—maybe from 5% up to 10%. Or you could do a retirement account of your own in addition to your 401k. Something I really recommend younger clients do is to have a Roth IRA that they can contribute to in addition to that 401k and make sure they’re getting that 10% of their income going toward retirement accounts.

Lauren:
Yeah. Yeah, definitely.

So can you explain the difference between a Roth IRA and a 401k?

Jami:
Mm-hmm. So again, not everybody has the option of a 401k. A 401k is something that your employer puts in place and offers to employees. Sometimes it’s offered within 30 days of being hired. Sometimes they have to work at a company for a year or more before they’re even eligible to participate or eligible for a company match.

That’s something that your employer puts together, and for most people, the employer gives you an option to say: you can select a percentage of your paycheck to be withheld and go into the 401k account, and you can choose whether that percentage is pre-tax or after-tax. So many 401ks have the option of saving pre-tax or after-tax, which would be called like a Roth 401k.

Anything that your employer puts in for you—that match—is always pre-tax. But you could choose to do your 5% or whatever it is in the Roth part of the 401k. The company puts in their match pre-tax.

So the difference between the 401ks and an IRA is: the 401k is sponsored by the employer. And as far as the difference between pre-tax or Roth: pre-tax gives you the tax break now—it comes out before your income is taxed. Versus Roth, you pay your taxes and then you’re saving.

And the benefit to a Roth is that later on in life, when you go to retire and you start spending down out of your retirement accounts, you’re not paying any tax on anything that’s coming out of a Roth account—whether it’s the 401k Roth or an IRA Roth.

So for people that are maybe just starting out or they’re not in a very high-income tax bracket, a Roth can be a great tool to help them save.

Lauren:
Right. So I don’t know much about this—this is somewhat new to me. So I’m asking just out of my own personal curiosity too—if the interest rates rise or, you know, when you go to retire so much further down the line, that tax rate could be higher. Is that something—do you get grandfathered in at the current tax rate, or do you have to pay higher taxes down the line if the taxes are higher?

Jami:
Right. So you’re not grandfathered in, right? And historically, we are in a very low-tax era, if you will. With the outcome of the election, we are assuming that the current tax rates that are in place—they were set to expire—are going to continue at least through the rest of this administration.

But for those who are younger, who knows what tax rates might be when you go to retire?

It’s a strategy, and every person is unique. So we look at total household income. If you are fortunate enough to be in a tax bracket now where you’re paying at 34–37%, while we might not know what the tax rates are in the future, we’ll say, “Look, our recommendation is, let’s get as much tax break now as possible.”

If you’re sort of that middle of the road—24% tax rate—then we usually try to split the difference. Like I mentioned, that company match will always be pre-tax and taxed later on. So maybe you do the Roth on the side.

For people who are making great income, I’ll usually recommend: max out your 401k beyond the match, because there are no income limits to putting money in a 401k pre-tax. If you’re under 50, you are allowed to put in about $23,000 pre-tax into your 401k, and that comes right off the top line of your taxes—so saving you 24%.

And then they could potentially also do a Roth on the side. There are income limits, but there are ways to sort of get around those—it’s called a backdoor Roth. So that’s why working with an advisor, or even just consulting with your CPA or whoever’s helping you do your taxes—there’s lots of ways to try to maximize your savings in tax-advantaged accounts.

Both Roth and 401k pre-tax are tax-advantaged, meaning money goes in and grows tax-deferred. So every year, if you’re earning 10%, you’re not paying tax on that 10% growth in either account. So we look to maximize tax-advantaged accounts wherever possible, and then, based off of your current tax rate, we’ll balance between “save on tax now” or “save on tax later.”

Lauren:
Right. Right. Okay. And yeah, I like that you do suggest to have it just immediately come out of your paycheck. So that way, instead of having to look at your expenses and make adjustments to then start saving for retirement, it’s as if you never had that money in the first place. So you’re not setting your budget based around something that you don’t have anymore.

Jami:
You set... yeah. Don’t look at what’s left over. So on the budget sheet—and there’s no magic tool—I mean, when people ask, “Can you send me a budget sheet?” I go to Excel, the template. They've got 20 different templates. There are really simple ones for people who have varying income, simple income, and it’s just a matter of plugging it in.

And I put in the savings. We don’t look at all the expenses of your car payments and your groceries and all these things and then say, “What’s left?” It’s, “All right, I’m earmarking this as an expense—my savings.” And so if you're using the 401k through a company, it's the easiest thing because it never even hits your bank account. Right? So you can’t spend it.

Lauren:
Yeah. Yeah, that’s great.

So how does age, income level, or financial goals influence someone’s financial strategy? For example, if someone’s middle-aged and ready to start investing at that point, how would their strategy be different than someone in their twenties?

Jami:
Right. The biggest factor of success when it comes to investing is your savings rate. That’s way more important than what actual investments you’re choosing.

So, without offending anybody, if we want to call 40-ish middle age—I don’t think it is—but there’s a general rule of thumb that you should have about three times your annual income saved for retirement by the age of 40. So, if you’re somebody who’s consistently made about $100,000 a year, then you should have about $300,000 saved by that age.

And some listeners might be going, “Wow, I’m nowhere near that,” or “I’m above that.” Well, if you’re way below that number, that 10% for retirement—that’s going to be different for you. You’re going to have to start saving more than that and really buckle down on how much you’re saving.

It’s things like, when you go to look at what kind of car you’re going to buy—yes, maybe you can afford the $900 car payment, but what if you made it a $500 car payment and you saved the difference? The more time you have on your side, the fewer dollars you actually have to save. And that’s the benefit of compound interest.

So, the earlier you can save—and if you’re doing that 10% number—you’ll have a very secure retirement and be able to spend more in retirement than you probably did off of your earned income before retirement.

As far as how the money should be invested at different ages: the longer your time horizon is toward a goal, the more aggressive you should be. And “aggressive” meaning more in stocks, right?

When we think of a general portfolio, it typically has three components: stocks, bonds (which is like fixed income), and cash. Right? And we look at the total portfolio.

A lot of times, if you’re in a 401k plan, there’s a set list of options they have for you to invest in. Almost every 401k has what’s called target date funds. So, if I’m planning on retiring in 2050, I’ll just pick the target date 2050 fund. That will adjust and actually make your portfolio less aggressive as you move closer to that date.

So someone who is young and has a longer time horizon before they plan on using their retirement funds—they should be almost 100% in stock. And as you get closer to your retirement date, that number should go down.

A general rule of thumb—again, I don’t like making too many general statements—but when we get to retirement, a portfolio of about 60% stocks and the rest being in cash and bonds is very common.

The younger you are, the more aggressive. And it also depends on the goal, right? I might consider myself young, but if I’m saving for my kid’s college and my kid is only five years away from college, well, it’s not my age that’s the factor—it’s when am I going to use those funds? If it’s only five years away, then I should not be as aggressive or as much in stocks as if my kid had ten more years to college.

So every savings account or investment account should have a goal and a target of when you’re going to use those funds. That will dictate the investment strategy within the account.

Lauren:
Yeah. So now how do you go about finding a good stock to invest in?

I know I’ve watched my dad do stocks his whole life. At one point he was into day trading, and then he’s always been into the long-term of researching companies. But he does a lot himself.

And I know some people depend on certain financial stock experts, and sometimes it leads them down a good path, and then sometimes they flop. So does someone like you have knowledge and experience with stocks, or is there someone more specific that you go to that specializes just in stocks?

Jami:
So, for most people, we’re using investment vehicles like exchange-traded funds (ETFs) or mutual funds. Those are pooled vehicles. So instead of just necessarily picking an individual stock, we might pick an index such as the S&P 500 and buy an S&P 500 fund. That’s going to help the client be diversified.

Part of that reason—especially for younger people who might have a smaller dollar amount to start off or they’re systematically saving on a monthly basis—for example, there are lots of different funds out there that track the S&P 500. The S&P 500 is a benchmark index for the U.S. stock market. It tracks (actually) 504 of the largest U.S. publicly traded companies.

So, if you just buy that one fund, it’s like owning over 500 different companies individually. You’re getting broad diversification, exposure to all these companies, without having to try to pick which stock is going to be the best.

I’ll bring up the Schwab S&P fund because it trades right now at about $93. So that means if I’m somebody who is saving $100 a month into an account, I can set it up to just put the $100 in, buy that fund, and know that I have some of the best companies in the world in my portfolio.

The largest holdings in that fund? Apple, Amazon, Microsoft, Google, Nvidia. So you don’t have to be a day trader trying to pick the best stocks.

For example, Facebook or Meta—that stock trades at $625 a share. So if you’ve got a small account, it’s really hard to try to split it up: “I’m going to buy a share of this, a share of that.” You only have so many dollars that can go so far.

For larger clients, yes—we will do individual stocks, because they have that larger account balance where we can buy potentially 30 stocks in some index funds and get them broad diversification. We’re buying different stocks from different areas of the economy—so different sectors: the technology sector, the healthcare sector—and we can buy individual stocks.

There’s myself and two other partners I have, so we all work together to figure out which stocks are the best ones we want to fit in for certain clients, based on their goals.

Lauren:
Okay, great. You can tell that my husband’s the one that does all of our investing and finances, because that was all completely new to me. I did not realize that there were those kinds of index funds or...

Jami:
Right. They make life easy.

Lauren:
Okay, yeah.

Jami:
You don’t have to be very well-versed or doing the research yourself. It is so easy to go onto whether it’s Charles Schwab, Fidelity, E*TRADE—these platforms where you can just systematically buy into index funds. They’re very low-cost and get this broad diversification. You don’t have to be an expert.

The S&P 500 is up 28% this year. That’s a great return. Yes, if you had put all of your money into Nvidia—which is in the news every day—you’d have a higher return, right? But that’s not diversified.

If something happens to that stock—if that CEO, something happens to him—that stock is going to take a hit. So when you have broad diversification, your portfolio is going to be much more stable in its fluctuations up and down. Most people don’t have the stomach to gamble all their money on one or two stocks. They can’t afford to take that kind of risk.

Unfortunately, whether it be social media or the news, everybody wants to get rich—“I want to double my money in two months,” or, you know, things like that. But the best strategy really is just staying in the market and investing consistently as your income comes in.

Lauren:
Yeah, yeah. Well, I know somebody that—at my first job out of college, it was a newer company and they took it public—and one of the employees had invested a lot in the stock of that company. Plus, he was being paid in that company. And so the company ended up going bankrupt and shut down. And so he lost his job, and then he’s like, “And all my stocks were in that same company,” so he basically was out everything all at once.

Jami:
And that happens a lot. People work for these companies, and they sort of “drink the Kool-Aid,” so to speak. They’re like, “Well, nobody knows this company better than me. I’m going to put all my eggs in that basket.”

And sometimes clients are sort of handcuffed, right? They might be getting these restricted stock units that they can’t sell for a certain period of time. I will say to them, “I get that some of your money is tied up in the company—your income stream, maybe these restricted stocks that you can’t get rid of, bonuses, what have you—but as soon as those become unrestricted, we need to sell them off as efficiently as possible.” You just can’t have everything in one spot.

I have a good friend—she works for Zillow and she loves the company—but I’m like, “Look, you have all these great benefits, but as these come due, we just have to buy other things. We can’t have it all tied up to that, because you never know what could happen.”

Lauren:
Yeah. So now, when you were mentioning diversifying your portfolios, you mentioned bonds and CDs. Can you go into some of those a little bit—just in layman's terms—of what they are and what they mean?

Jami:
So, a stock—which more people are familiar with—that’s also called an “equity.” So if someone says, “I’ve got an 80/20 portfolio,” that probably means 80% stock or equities, and 20% cash and fixed income.

So the fixed income—let’s use Apple as an example. They issue stock where you actually have ownership in that company. As their earnings increase, the stock price increases, and they may pay a dividend, so you get some of that money back as a shareholder.

They also issue what’s called bonds, which can be thought of as a CD—more people are probably familiar with that. So they might say, “You give us $10,000, and we will pay you a stated interest rate for 10 years, 15 years, 20 years, whatever the maturity of that bond is. We’ll give you a stated interest rate for the time, and then at the end of that period, you get your money back.”

So let’s say I put $10,000 into this bond. It’s got a 5-year maturity. It’s going to pay me 5% interest a year, and at the end of the term, I get my $10,000 of principal back. It’s a very safe investment, but it’s going to be a lower return than that upside potential you might get in a stock that could go up 200% in a year.

When you own stock, you’re hoping to get that price appreciation. When you own something like a bond or CD, you’re owning it not for the price appreciation, but for that stable interest rate. That’s why, as you get closer to retirement, people will have more fixed income—bonds and CDs—in their portfolio. They’re collecting that income and want some stability, because bonds don’t typically fluctuate nearly as much as the stock market does.

Now, they can fluctuate in price, but if you hold them to maturity, you’ll get your money back. Of course, there’s always a risk—companies could go bankrupt, so there’s risk that you may not get your money back—but most of the time we’re buying bonds from companies that are very well known: Apple, Amazon, Google.

So, stable investments that generate income. For younger people who don’t need income because they’re working, they should have their money in stocks for that growth over time.

Lauren:
All right, so Jami, this has been super, super informational and very helpful.

Now, with so much information and access to investing online, what are some of the benefits of working with an advisor like you?

Jami:
There’s so much noise out there, like you said. One of the biggest benefits is: it’s hard to get advice in a vacuum. When people go to a friend and ask, “Should I do this? Should I do that?” they’re typically not telling that person all their financial history—their debt, their income, their situation. So they’re not getting the best advice.

When I sit down with a client, I go through everything. So if somebody says to me, “Hey, I’ve got $10,000. What should I invest it in?” I say, “I have no idea.” I don’t say, “Oh, go buy Google.” I say, “What are you doing? Are you doing the 401k? Do you have an emergency fund? Do you have debt that should be paid off?”

So working with an advisor helps you know exactly what you should be doing with your money—what’s the smartest thing, given everything going on in your life.

I don’t give advice in a vacuum. I don’t give advice unless someone is willing to share some of their background information and go through the steps of really knowing their financial life.

A great resource I share with a lot of clients—I keep referencing Schwab. Full disclosure: I use the Schwab platform for my clients. But anyone can go on charlesschwab.com and open an account.

There’s also a great educational site called Schwab MoneyWise—anyone can use it. It’s got all kinds of topics available to learn about in very easy, layman’s terms: What is an estate plan? Do I need a will? What’s a stock? What’s a bond?

I encourage clients to use that website as a resource. There are also great calculators there. One I always show people is a compound savings calculator—just plug in how much you save per month or year, for how long, with an average return—and it’s like, “Wow.”

It becomes really exciting when you look long-term. And I want people to feel empowered to understand it—not just trust me blindly.

Lauren:
Yeah. That’s great.

So now, do you work with people online from anywhere, or mostly just local here?

Jami:
Online anywhere. I’ve got clients all across the U.S., especially younger people—everyone’s comfortable with Zoom now. We do most things digitally.

I do have a lot of local clients because they’re just people I know through life. But when I was at Merrill Lynch, we had very high minimums—unless you had $500,000, I couldn’t open an account or help you.

Now, I don’t have those minimums. I help people of all age ranges, especially people who are in the same stage of life as me—student loans, college savings, retirement goals. It’s been great.

Lauren:
  That is great. I love that you're able to help people online and not just here in Stuart. So thank you so much for all that you shared today.

Now I always leave my listeners with an action step so they can take what they've learned and put it into practice. And so today's action step is to go set up an account with the Schwab money wise website, and that way you can start learning and growing an investing wisely.

So thank you for sharing that resource, Jami.

  Let us know where people can find you, how they can connect with you.

Jami:
Yeah! I’m working on building my social media brand, but I do have Jami McCree at Chapman Capital on Facebook and Instagram. I’m starting to publish more things that are just informational—like the maximum amount you can put in retirement accounts and stuff like that.

My office is right down the street in Stuart, right by the hospital off of Osceola. I’m happy to meet in person, grab coffee, set up a Zoom or phone call—whatever’s easiest for people.

My website is chapmancapitaladvisors.com—that has all my contact info. I give out my cell number so people can text me and feel comfortable. Just trying to make it really easy and approachable.

Lauren:
Awesome. Thank you! And for anybody listening, I’ll drop all of those links into the show notes so you can easily find how to connect with Jami.

Thank you so much for sharing all of your wisdom today. I really loved having you on.

Jami:
Thank you.

Lauren:

 Yeah, of course. The pleasure was all mine.

Now let me pray us out.

Father God, I thank you so much for Jami and the wisdom she shared today on knowing how to invest and where to invest your money and what to do ahead of time to make sure you are set up for success and so that we can be good stewards of our money and be able to save for retirement and think of the future.

So help us to make those wise decisions to turn to the right resources like Jami so that we can be advised on what to do for our personal circumstances. And God we pray for great returns on our investments and that you would lead us to the right places to invest, to the right stocks, bonds, CDs, whatever our circumstance is.

So, God, we know that our money is not ours anyway. It is yours and we just want to be good stewards of what you have provided. So we lift these all back to you and we pray that our finances would be used for the glory of your kingdom. In Jesus' name we 📍 pray. Amen.