Kalleen Campbell RFM

08/05/2022

I knew this but got stuck in the dirt cheap premiums at work.
If you leave your employer after twenty years you can either go without (WHY?), get coverage through the next employer (WHY?), or get what you want and keep it wherever you go.
Benefits? So many

08/03/2022

Hmmm…
Like what?

08/02/2022

OOOH! Myth #1 is my favorite!
One hospital admission can quickly run up a $100,000 medical bill.

🤔 Would you pull that out of your 401k (if you have that much), or would you stop saving for retirement until you pay off the medical bill?

I would use the critical illness rider of my life insurance policy.

I don’t have to die too use my policy.

Can your policy do that?!!

08/01/2022

Clients are the winners every time Transamerica improves their products and services!! Bravo!

07/31/2022

Yesterday I was thinking about the potential financial disaster that one catastrophic illness or a long term illness could inflict in my family.

And then I realized that my life insurance has critical, chronic, and terminal illness riders.

A term policy with those riders means the probably of using it goes WAY up!

Likelihood of dying before the policy ends is only 2%.
Likelihood of using those riders? I don’t know the %, but it is an amazing protection!

No one knows when a financial emergency will strike. Americans at all income levels have unfortunately experienced financial challenges after unforeseen events.

But there are a few simple steps you can take to help shield your family from financial hardship. First, steer clear of high-interest debt. If you're already in debt, work on paying it off as quickly as possible.

Second, always have a plan in place for your family. If something happens to you, your loved ones should know what to do and how to access your finances.

Finally, have a cushion to pull from rather than dipping into your retirement fund. This will help you stay afloat financially until you're able to get back on your feet.

Preparing for the unexpected isn't always easy, but it's worth it to feel prepared for whatever life throws your way.

07/30/2022

Why would you ever get life insurance for a newborn?

1. My friend’s baby girl was diagnosed with a brain tumor at 18 months old. Years later they still can’t get life insurance for her.
2. Life insurance has lower premiums the younger you start.
3. It’s a nice gift to give your child when they turn 18.

So many great reasons are running through my head right now!!

Life insurance is one of those things that you can't just buy when you need it.

While no one likes to think about their own mortality, it is an important aspect of financial planning.

The best time to get a life insurance policy is when you are young and healthy. The younger you are, the lower the premium rate.

Even if you have student loan debt, your loan can be protected from becoming a burden to your parents due to any unforeseen circumstances.

Work with a financial professional to help you pick the best option for your financial situation.

07/28/2022

Consistency and discipline are two great skills. Knowing where and how to reduce risk are the next critical skills.

It's no secret that the wealthiest people have achieved their goals by habitually implementing actions that maintain and grow their wealth.

While there are many factors that contribute to success, discipline and consistency are two of the most important.

For example, the habit of saving regularly while leveraging compound interest is one of the best ways to build wealth over time. The wealthy understand this, which is why they prioritize setting aside a portion of their income every month.

By studying the habits of the wealthy and adopting some of their most effective strategies, it is possible to build wealth over time and achieve your financial dreams.

07/26/2022

Building wealth may not be rocket science, but it does require dedication and discipline.

If you want to build your wealth quickly, it's important to start by equipping yourself with financial education. This will put you in a strong position to make smart decisions about saving and investing your money.

Saving is crucial to building wealth, and you should aim to put away as much money as you can each month. An emergency fund is a good place to start, as it will help you cover unexpected expenses without having to rely on credit.

Once you have an emergency fund in place, you can focus on paying off any high-interest debt, which will help you save even more money in the long run.

By following these simple steps, you can build a strong foundation for financial success.

07/11/2022

SWEET LIFE…
Jodi Rich!! I know him!
My kids were so lucky to attend high school with Jodi as the principal.
I am so lucky to still be in his circle of influence. This man has made life better for hundreds, maybe thousands.
He returned from serving a mission to be the counselor and he loves the opportunity to be with kids again.

PUPPY LOVE…
She got to swim and cool down on this hot day and then got loves from her other favorite human.
She loves to swim so much than when I call that it’s time to go, she swims the other way. I just have to wait until she gets tired.

07/09/2022

I wish for all those many years that I had not just crossed my fingers and hoped the 401k would turn out ok.

It’s a shame to see people have a very promising career and then live in poverty in retirement.

Plan!

The purpose of a financial plan is to help you make the most advantageous decisions about your money, both now and most importantly, in the future.

It's a roadmap that can guide you through the financial challenges and opportunities you will face throughout your life. A financial plan can help you achieve your short-term and long-term financial goals, and provide peace of mind knowing that you are prepared for whatever life throws your way.

Whether you are starting a business, saving for retirement, or paying for higher education, a financial plan can help you make the most of your money.

04/28/2022

What do you wish you knew about life insurance?
*I wish I had known that I can take a loan from my policy
*I wish I had known how much coverage I need
*I wish I had known that it can be a business expense
*I wish I had known the difference between term and perm
*I wish I had known that life insurance is not taxable
*I wish I had known that I don't have to die to use it

I wish I had known how much money life insurance agents make
I wish I had started this career much sooner

Not that I didn't love my nursing career - It's just that its so sad to see educated and hard working people retire in poverty after taking care of everyone else. I don't want to be one of them - I don't want to live in poverty ever! That's why I went to nursing school in the first place. It's just so hard to save enough money to reach my Financial Independence Number on a nursing salary. This industry allows me to scale and increase my income based on my own efforts. That just wasn't possible at the hospital no matter how many hours I worked.

Why didn't someone reach out and show me this sooner?