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Caffeine And Cash Flow with Michael Schulte

Welcome to the Saving The American Dream Podcast with Financial Advisor Michael Schulte of WestPac Wealth Partners. Are taxes, market volatility, inflation and other risks threatening your pursuit of the American Dream? If you need help planning how to tackle these financial headwinds, then this is the show for you!

With pensions disappearing, the American Dream is harder than ever to achieve. We're on our own to successfully plan for our financial futures. That's why it's so important to make wise decisions with your financial plan and as you get older those decisions become more and more critical.

New episodes bi-weekly. Visit our website for show notes, resources, more information and to contact Michael at Or call 702-767-4897.

Oct 26, 2023

Ever wish you could foresee financial missteps before they happen? On today’s episode explore some real-life stories of regret and arm yourself with the essential dos and don'ts to ensure your money works for you, not against you.

A lot of the things we’re going to be talking could make you lose over the long run, but we want to share what we’ve learned over years of helping people with their planning. By learning from the mistakes of others, we can hopefully prevent doing many of these same things.


Here’s some of what we discuss in this episode:

  • The penalties and taxes that you incur with early IRA withdrawals can be costly.
  • Too many people increase their expenses along with a rise in their income
  • What options do you have to help your kids with tuition without risking your own retirement?
  • The different ways retiring too early could cost you.
  • Why you should be looking into Roth options now.


Learn more:

Get in touch with Michael-



Phone: 702-767-4897