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Wealth Beyond The Wallet Most conversations about wealth start with income, savings, investments, and retirement. But what if some of the most important things that make a person wealthy have nothing to do with money? What did contentment look like before constant upgrading and comparison?What can we learn from a generation that often lived with less materially?Has technology made our lives easier while making us less connected?And what does it actually mean to be truly wealthy? In Episode 12 of The Middle Class Podcast, Moshe Alpert, CFP®, sits down with his father, Rabbi Alpert, for a deeply personal conversation about growing up on New York’s Lower East Side and the lessons we can carry from that generation into our lives today. Rabbi Alpert shares firsthand memories of Rav Moshe Feinstein zt"l, Rav Nissan Alpert zt"l, Rav Chaim Pinchas Scheinberg zt"l, Rav Dovid Feinstein zt"l, and others who shaped his life. This episode goes beyond the wallet to explore contentment, family, Torah, community, technology, Emunah, Bitachon, Ahavas Yisrael, and what previous generations understood about appreciating what they had. • How life on the Lower East Side created a different relationship with money and possessions• Why wealthy and non-wealthy families could live side by side without the same pressure to compete• Personal memories and stories of Rav Moshe Feinstein zt"l• How Rav Moshe responded when Rav Nissan Alpert accidentally spilled ink on a brand-new Shas• What intense Torah learning looked like when combined with balance and normalcy• How children built friendships before smartphones and social media• What technology may be taking away from parent-child relationships and friendships• Why previous generations were so careful not to waste what they had• Lessons in Emunah and Bitachon from Holocaust survivors who rebuilt their lives• Why financial success is not the same thing as contentment• What Chazal’s definition of wealth — being satisfied with what you have — means today• Why staying connected to Torah is one of the most important legacies we can pass forward “Let’s see the good in each other, because there’s more that unites us than divides us.” Rabbi Alpert has spent more than 30 years as a Rebbe at HANC, the Hebrew Academy of Nassau County. He grew up on the Lower East Side in a family deeply connected to some of the leading Torah personalities of the previous generation. His father, Rav Nissan Alpert zt"l, was a close talmid of Rav Moshe Feinstein zt"l, and his maternal grandfather was Rav Chaim Pinchas Scheinberg zt"l. Moshe Alpert, CLU®, CFP®, ChFC®, RICP®, AEP®Founder & CEO of Ceremian Financial Moshe helps families and professionals make clear, values-based financial decisions around income, protection, taxes, investing, and long-term stability. Website: https://www.ceremian.com LinkedIn: https://www.linkedin.com/in/moshe-alpert-clu%C2%AE-cfp%C2%AE-chfc%C2%AE-ricp%C2%AE-aep%C2%AE-b40401156 Email: [email protected] Apple Podcasts:https://podcasts.apple.com/us/podcast/the-middle-class/id1860379434 Produced & Edited by BIG Productions – Gidon OrmanContact: [email protected] #TheMiddleClass #WealthBeyondTheWallet #JewishValues #Contentment #Torah #Emunah #Bitachon #MosheAlpert

Estate & Medicaid Planning Is Simpler Than You Think | Episode 11 Most people know they should have a will, power of attorney, or some kind of estate plan. But many families put it off because it sounds complicated, expensive, or like something they only need to think about when they’re older. In Episode 11 of The Middle Class Podcast, Moshe Alpert, CFP®, sits down with Paul Moskowitz, Esq. of Moskowitz Legal Group to break down estate planning and Medicaid planning in plain English. What happens if you die without a will? Who decides where your assets go? What happens if you have minor children? What does a trust actually do? And how can families protect themselves from the potentially enormous cost of long-term care? Paul explains the basics of wills, executors, guardians, healthcare proxies, and financial powers of attorney, including why some of the most important estate planning documents are actually designed to protect you while you’re still alive. They also break down probate, why families may want to avoid it, and how revocable and irrevocable trusts work. From there, the conversation moves into one of the most misunderstood areas of financial planning: Medicare, Medicaid, and long-term care. Paul explains why Medicare generally does not cover ongoing long-term care, how Medicaid eligibility works, what Medicaid lookback periods are, and how Medicaid asset protection trusts can be used as part of a long-term care strategy. They also discuss what happens when a home or brokerage account is placed into a trust, whether you can continue living in your home, and why simply transferring your house directly into your child’s name can create serious tax and creditor issues. The episode also covers step-up in basis, estate taxes, gifting, life insurance, estate liquidity, and why even families with significant assets can face financial pressure when much of their wealth is tied up in real estate or other illiquid investments. Finally, Paul discusses halachic estate planning and why Jewish families may want to coordinate their legal planning with a Rav. The takeaway is simple: Estate planning does not necessarily have to be complicated. But failing to plan can create unnecessary court involvement, family complications, tax consequences, and potentially enormous long-term care expenses. The goal is to understand the questions you should be asking and put the right documents and professionals in place before you need them. 🎥 Watch the full episode on YouTube:https://youtu.be/vlMZ8X0aBCY • What happens if you die without a will• Wills, executors, guardians, and beneficiaries• Healthcare proxies and financial powers of attorney• Probate and how trusts can help avoid it• Revocable vs. irrevocable trusts• Medicare vs. Medicaid• Medicaid lookback periods• Medicaid asset protection trusts• The cost of long-term care• Why transferring your house to your children can backfire• Step-up in basis and inherited assets• Life insurance and estate liquidity• Halachic estate planning Paul Moskowitz, Esq. is an attorney with Moskowitz Legal Group, a firm focused on elder law, Medicaid planning, estate planning, guardianship, and probate. Phone: (212) 419-0118Email: [email protected]: https://www.moskowitzlegalgroup.com/ Moshe Alpert, CLU®, CFP®, ChFC®, RICP®, AEP®Founder & CEO of Ceremian Financial Moshe helps families and professionals make clear, values-based financial decisions around income, protection, taxes, investing, insurance, and long-term financial stability. Website: https://www.ceremian.com Produced & Edited by BIG Productions – Gidon OrmanContact: [email protected] In This EpisodeAbout the GuestAbout the Host

🎙️ Taxes: What Every Middle-Class Family Should Know Most people file taxes every year without really understanding how the system works. What is a 1040?What’s the difference between a W-2 and a 1099?What actually counts as a deduction?Why is a tax credit better than a deduction? In this episode of The Middle Class Podcast, Moshe Alpert, CFP®, sits down with his brother, Betzalel Alpert, to break down the basics of taxes in plain English. Betzalel has worked as an accountant, spent time inside the IRS, and now serves as a manager at Partners Detroit. This conversation is not about tax loopholes or complicated strategies. It’s about understanding the system well enough to ask better questions, avoid expensive mistakes, and work more effectively with your accountant or financial planner. ⏱️ Episode Breakdown 00:00 — Business meals, gray areas, and why tax details matter00:39 — Introducing the taxes episode02:29 — Cash flow, wealth, and taxable income explained05:32 — What is a 1040?07:19 — The basic structure of a tax return08:01 — W-2 vs. 1099 income10:41 — Investment income, K-1s, and Schedule C12:17 — How deductions reduce taxable income13:12 — Above-the-line vs. below-the-line deductions15:43 — Why tax planning is part of financial planning17:41 — Standard deduction vs. itemized deductions18:05 — Retirement plans, HSAs, student loan interest, and deductions25:02 — When itemizing makes sense26:35 — SALT, property taxes, mortgage interest, charity, and medical expenses29:04 — Business expenses and Schedule C planning34:11 — Meals, gray areas, and working with an accountant36:10 — Why documentation matters36:17 — IRS audit scores and what can raise red flags40:19 — Tax deductions vs. tax credits43:15 — Refundable vs. non-refundable credits46:02 — Why filing can matter even if you owe little or nothing46:55 — Withholding and why a big refund may not be ideal48:27 — Why your W-4 matters50:46 — Amending a tax return53:15 — Payroll taxes, FICA, and self-employment tax58:48 — W-2 vs. 1099 planning01:14:44 — LLCs, S corps, and more advanced planning01:15:18 — What happens if you don’t file or don’t pay01:19:09 — Why working with professionals can pay off01:20:06 — What clients and accountants each need to do 📌 In This Episode, You’ll Learn What a 1040 actually is and how a tax return works The difference between W-2 income and 1099 income Why taxable income is not the same as cash flow or net worth How deductions reduce taxable income Why business owners need to understand Schedule C expenses How tax credits work and why they can be more valuable than deductions Why filing matters even if you think you don’t owe taxes How to work more effectively with an accountant or financial planner 🧠 Quote from the Episode “Your financial health needs your tax world to be healthy — and your tax world needs your financial world to be healthy.” 👤 About the Guest Betzalel Alpert has experience as an accountant, has worked for the IRS, and now serves as a manager at Partners Detroit. His background gives him a practical understanding of how taxes work from both the taxpayer and government side — and how families can better understand the system without getting overwhelmed by jargon. 💼 About the Host Moshe Alpert, CLU®, CFP®, ChFC®, RICP®, AEP®Founder & CEO of Ceremian Financial. Moshe helps families and professionals make clear, values-based financial decisions around income, protection, taxes, investing, and long-term stability. CONNECT & SUBSCRIBE🎛️ Website: https://www.ceremian.com LinkedIn: https://www.linkedin.com/in/moshe-alpert-clu®-cfp®-chfc®-ricp®-aep®-b40401156 📧 Questions? Email: [email protected] ⭐ Leave a 5-star review to help more people find the show 🎧 Listen on Spotify & Apple Podcasts 📺 Full episode on YouTube: https://youtu.be/ydWEsVCACHQ 🎛️ PRODUCTION CREDITS Produced & Edited by: BIG Productions – Gidon Orman 🎙️ Contact: [email protected]

🎙️ The Real Cost of Building a Business (No Shortcuts, No Hype) Most people think building a business is one big break, one lucky deal, and you're set. It's not. In this episode of The Middle Class Podcast, Moshe Alpert sits down with Alex Edelman, former Mayor of the Village of Lawrence, NY, for a real and unfiltered look at what building a business actually looks like — jewelry sales on commission, a healthcare business empire, a contractor lien crisis, partnership buyouts, and a string of adjacent businesses built almost by accident. He started with no money and no formal business training. 15 years of perseverance turned into a healthcare facility empire, a school bus company, an ambulette fleet, a payroll firm in 15 states, and four terms as mayor. This isn't about hype or shortcuts. It's about what it actually takes to succeed. 📌 In This Episode, You'll Learn How to know if you're actually suited for business — or for something else Why it took 15 years to feel genuinely profitable, and why that's normal How to structure and unwind partnerships as your leverage grows What to do when a contractor crisis threatens to sink your project How one core business can spin off into several adjacent ones What loan-to-value ratios mean for how much of your own money you need 🧠 Quote from the Episode "The magic to business is perseverance and hard work." 👤 About the Guest Alex EdelmanFormer Mayor of the Village of Lawrence, NY. Built and operated healthcare facilities, an ambulette company, a school bus fleet (RivLab), a payroll company, and a solar energy venture over a multi-decade career. 💼 About the Host Moshe Alpert, CLU®, CFP®, ChFC®, RICP®, AEP®Founder & CEO of Ceremian Financial. Moshe helps families and professionals make clear, values-based financial decisions around income, investing, and long-term stability. 🌐 Website: https://www.ceremian.com💼 LinkedIn: https://www.linkedin.com/in/moshe-alpert-clu®-cfp®-chfc®-ricp®-aep®-b40401156 🔗 CONNECT & SUBSCRIBE 📧 Questions? Email: [email protected] ⭐ Leave a 5-star review to help more people find the show 🎧 Listen on Spotify & Apple Podcasts https://open.spotify.com/show/3j5CZsshpbtkil5rS3sVs7?si=ed5065b3ac114cde 📺 Full episode on YouTube: https://youtu.be/L33wj2fN9nQ 🎛️ PRODUCTION CREDITS Produced & Edited by: BIG Productions – Gidon Orman🎙️ Contact: [email protected]

🎙️ The Truth About Real Estate (Not What You Think) Most people think real estate is about closing one big deal and getting rich. It’s not. In this episode of The Middle Class Podcast, Moshe Alpert sits down with Yosef Katz, founder of Atlas Realty Group, for a real and unfiltered look at what the real estate business actually looks like. From cold calling and deal flow to long sales cycles, inconsistent income, and market downturns, Yosef breaks down the reality behind one of the most popular — and misunderstood — career paths. He shares how he started from scratch with no formal business training, worked multiple jobs early on, and built a real estate career through consistency, discipline, and mastering the fundamentals. This conversation isn’t about hype or shortcuts.It’s about how the business actually works — and what it really takes to succeed. ⏱️ Episode Breakdown 00:00 — Why brokers need movement, not market direction00:45 — Introducing Yosef Katz and Atlas Realty Group02:05 — Why real estate is such a popular career path03:06 — From yeshiva to real estate: how it actually happens05:10 — Do you need a college degree?07:07 — Why yeshiva thinking can be an advantage08:19 — Humble beginnings and working multiple jobs11:25 — Getting into real estate (by accident)12:22 — What a broker actually does14:03 — Understanding how deals are made (“procuring cause”)17:06 — Why early success can hurt you18:03 — Big deals vs consistency19:25 — Why real estate is a profession, not a shortcut21:19 — Why cold calling still matters (even after 20 years)22:29 — How brokers actually make money25:23 — First deal: $60K and what it felt like26:18 — The real sales cycle (and why it takes time)28:01 — Why you shouldn’t expect to make money in year one29:16 — Why brokerage is the best place to learn real estate31:05 — Getting married with unstable income33:00 — The reality of inconsistent income34:00 — Surviving downturns (2008 crash experience)35:02 — Finding opportunity when deals stop36:46 — How banks sell debt and how investors profit39:18 — Why real estate cycles always repeat42:02 — Today’s market: what’s happening in New York43:43 — Rent stabilization explained47:56 — The 2019 law that changed everything48:22 — Why real estate investing became harder in NYC 📌 In This Episode, You’ll Learn What a real estate broker actually does — and how deals really happen Why consistency matters more than chasing big deals How long it realistically takes to close your first deal Why most people misunderstand the real estate business How to handle income instability and financial pressure Why brokerage is the best training ground in real estate How market cycles create opportunity for those who adapt 🧠 Quote from the Episode “Real estate is a profession. It’s not a get-rich-quick scheme.” 👤 About the Guest Yosef KatzFounder of Atlas Realty Group (ARG), a commercial real estate brokerage specializing in New York City multifamily transactions. 🌐 Website: https://www.arg-re.com💼 LinkedIn: https://www.linkedin.com/company/arg-atlas-realty-group-partners-llc📸 Instagram: https://www.instagram.com/arg_nyc/ 💼 About the Host Moshe Alpert, CLU®, CFP®, ChFC®, RICP®, AEP®Founder & CEO of Ceremian Financial. Moshe helps families and professionals make clear, values-based financial decisions around income, investing, and long-term stability. 🌐 Website: https://www.ceremian.com💼 LinkedIn: https://www.linkedin.com/in/moshe-alpert-clu®-cfp®-chfc®-ricp®-aep®-b40401156 🔗 CONNECT & SUBSCRIBE 📧 Questions? Email: [email protected] ⭐ Leave a 5-star review to help more people find the show 🎧 Listen on Spotify & Apple Podcasts https://open.spotify.com/show/3j5CZsshpbtkil5rS3sVs7?si=ed5065b3ac114cde 📺 Full episode on YouTube: https://youtu.be/Ceq8Jv1sZEQ 🎛️ PRODUCTION CREDITS Produced & Edited by: BIG Productions – Gidon Orman🎙️ Contact: [email protected]

🎙️ Retirement Retirement is something most people think about, but very few actually plan for properly. In this thoughtful and practical episode, host Moshe Alpert, CFP® sits down with Dovid Goldfarb, who shares the real-life financial habits and disciplined mindset that allowed him to retire comfortably after more than 40 years of work. From saving early and avoiding debt to living within your means and planning a meaningful life after your career, this episode offers a grounded perspective on what it really takes to build long-term financial stability. Whether you're just starting your career or thinking about your future retirement, this conversation highlights the power of discipline, planning, and having a clear vision for life beyond work. ⏱️ Episode Breakdown: [00:00] — Why people obsess about leaving money to their kids[00:42] — Introducing Reb Dovid Goldfarb and the retirement conversation[01:50] — What daily life looks like after retirement[02:24] — Having a vision for retirement from the beginning[03:06] — Starting a career: law school, business, and early lessons[06:00] — The most important financial rule: don’t spend more than you earn[07:52] — Buying a first home and staying within your means[10:25] — How discipline shapes long-term financial success[12:46] — Saving from the very first day of work[13:56] — Why financial advisors can make a big difference[16:23] — Career growth, responsibility, and balancing family life[18:29] — The importance of discipline and time management[22:23] — Raising children while managing major expenses[24:55] — The dangers of credit card debt[29:39] — Why life insurance is essential for young families[31:30] — Long-term care insurance and planning for the unexpected[33:34] — Investment strategy and working with professionals[37:42] — Retirement lifestyle and living within your means[40:03] — Why retirement needs purpose, not just money[43:33] — Finding fulfillment through learning, volunteering, and giving back[45:15] — Social Security and retirement income strategies[50:00] — Final advice: discipline from the first day of work 🧠 Quote of the Episode: “If you can’t afford to pay the bill at the end of the month, don’t buy it at the beginning of the month.” 👤 About the Guest Dovid Goldfarb After decades in business and leadership, Dovid retired with a clear vision of how he wanted to spend his time - learning, giving back, and helping others with the wisdom gained throughout his career. His story offers a powerful reminder that retirement planning isn’t just about numbers—it’s about discipline, values, and purpose. 💼 About the Host Moshe Alpert, CLU®, CFP®, ChFC®, RICP®, AEP® Founder & CEO of Ceremian Financial. Moshe helps families turn complex financial decisions into clear, actionable plans built on values, goals, and real numbers. 🔗 Connect & Subscribe 📧 Send your questions to:[email protected] ⭐ Leave a 5-star review — it helps others discover the show 🎧 Subscribe on Spotify or Apple Podcasts 📺 Watch the full episode on YouTube - https://youtu.be/Sw7kXmzANwc 🎛️ Production Credits Produced & Edited by:BIG Productions – Gidon Orman 🎙️ Contact:[email protected] 917.579.9895 📌 Hashtags #TheMiddleClass#RetirementPlanning#PersonalFinance#FinancialPlanning#MoneyHabits#FinancialDiscipline

The Little Choice That Is Destroying You Most people don’t lose control all at once. It happens gradually — through small decisions repeated daily. The decision to delay what matters.The decision to avoid discomfort.The decision to choose convenience over discipline.Over time, these choices shape far more than physical health. They affect mental clarity, confidence, financial stability, and overall direction in life.In this episode of The Middle Class Podcast, Moshe Alpert, CFP®, speaks with Jon Shetrit, founder of AlphaDad, about the deeper connection between discipline, personal responsibility, physical strength, and long-term stability.Jon works with executives, entrepreneurs, rabbis, and professionals who appear successful externally, yet privately struggle with energy, consistency, and control. His work focuses on helping individuals rebuild structure and momentum by addressing the daily decisions that ultimately determine long-term outcomes. This conversation explores why lasting change rarely begins with dramatic action, but instead with honest awareness and consistent ownership of small, daily decisions. Exclusive Offer for Podcast Listeners: Use code STRONG26 for 20% off and take the first real step toward becoming stronger in your body, sharper in your mind, and more grounded as a man and father. Start here:www.alphadadtransformation.com In this episode, you’ll learn: Why physical discipline directly impacts mental clarity and decision-makingHow small daily decisions compound into long-term outcomesWhy successful individuals often feel internally misaligned despite external successThe connection between personal responsibility and lasting stabilityHow distraction and avoidance quietly erode discipline and momentumWhy honest self-assessment is the foundation for meaningful changeHow to rebuild structure, strength, and personal controlWatch the full episode on YouTube https://youtu.be/7phnytEsRIw About the Guest Jon Shetrit is the founder of AlphaDad, a transformation program focused on helping individuals rebuild physical strength, discipline, and personal ownership through structured training and mindset development.His work focuses on creating sustainable, long-term transformation by addressing both physical and psychological foundations of performance.Instagram:https://www.instagram.com/uproarwithjonFacebook:https://www.facebook.com/jon.shetritWebsite:https://www.alphadadtransformation.com About the Host Moshe Alpert, CLU®, CFP®, ChFC®, RICP®, AEP®Founder & CEO of Ceremian Financial. Moshe advises families, professionals, and business owners on making clear, values-based financial decisions that support long-term financial stability and independence.https://ceremianfinancial.com Connect & Subscribe📧 Questions or inquiries:[email protected] ⭐ Leave a 5-star review to help more people discover the show 📺 Watch the full episode on YouTube:https://youtu.be/7phnytEsRIw Production Credits Produced & Edited by: BIG Productions – Gidon Orman🎙️ Contact:[email protected]

WHAT DOES “MIDDLE CLASS” REALLY MEAN ANYMORE?Is it $250K? $350K? $450K?? In this episode of The Middle Class Podcast, Moshe Alpert, CFP® sits down with Shalom Becker, Vice President of Purchasing at Millennial Healthcare, for a rare, honest look at what it actually takes to build a middle-class life today — from the ground up. This is the real story: Starting at $50,000 a yearLiving in small apartmentsDelaying comfortAsking for uncomfortable raisesBuying a home before everything felt readySlowly building toward a $300K+ household incomeNo hype. No shortcuts. Just real decisions regular families face — and how to navigate them. 🎙️ THE YOUNG MIDDLE CLASSWhat it actually takes to build stability in today’s economy 📌 YOU’LL LEARN:• What income truly qualifies as “middle class” today• How career growth actually happens (and why it’s rarely linear)• When switching jobs makes sense — and when it doesn’t• How to ask for raises without risking your job• Why early frugality creates long-term flexibility• Buying a home with less than 20% down (and why PMI isn’t the enemy)• How side hustles help break middle-class plateaus• Why financial planning matters before you feel successful• How to stay grounded amid lifestyle and peer pressure 🧠 QUOTES FROM THE EPISODE:“Middle class isn’t about lifestyle. It’s about stability.”“Every raise was uncomfortable — but not asking would’ve cost more.”“You don’t need your dream home. You need a home.” 👤 ABOUT THE GUESTShalom Becker is Vice President of Purchasing at Millennial Healthcare, overseeing vendor negotiations, budgeting, and procurement across healthcare facilities. His career reflects the real-world path of many middle-class professionals — steady progression, expanding responsibility, and learning how to create long-term stability through disciplined decision making. 💼 ABOUT THE HOSTMoshe Alpert, CLU®, CFP®, ChFC®, RICP®, AEP®Founder & CEO of Ceremian FinancialMoshe helps families and professionals make clear, values-based financial decisions around income, savings, homeownership, and long-term planning — without unrealistic assumptions. 🔗 CONNECT & SUBSCRIBE📧 Questions? Email: [email protected]⭐ Leave a 5-star review to help more people find the show🎧 Listen on Spotify & Apple Podcasts📺 Full episode on YouTube: https://youtu.be/Fc2pjAoAHzU 🎛️ PRODUCTION CREDITSProduced & Edited by: BIG Productions – Gidon Orman🎙️ Contact: [email protected] 📌 HASHTAGS#TheMiddleClass #MiddleClassMoney #IncomeReality#CareerGrowth #RealLifeFinance #JewishEconomics#FinancialPlanning #HomeOwnership #SideHustle #MosheAlpert

🎙️ Maaser, Debt & Donor Funds When halacha meets household budgets — what you must know Million-dollar halachos for middle-class income. In this clear, direct, and surprisingly empowering episode, host Moshe Alpert, CFP® is joined by Rabbi Tzvi Yaakov Stein (aka The Texting Rabbi) to break down the financial halachos of Maaser, tzedaka, and Jewish generosity in the real world of credit cards, tuition discounts, donor-advised funds, and kollel stipends. Whether you’re making $60K or $600K, this episode is packed with practical examples, real-life leniencies, and strong Torah perspectives to help you give smarter — and maybe breathe easier. 📌 You'll learn: When not to give Maaser — even if it feels wrongWhy tuition discounts and credit card debt change everythingWhat counts as "income" — and what comes off the topHow donor-advised funds fit into halachaThe surprising truth about using Maaser for weddings, seminary & babysittingWho really comes first when giving tzedaka⏱️ Episode Breakdown: [00:00] — Is student loan repayment Maaser-exempt?[01:00] — Meet “The WhatsApp Rabbi”[03:55] — Should you give Maaser if you’re in credit card debt?[06:31] — Tuition discounts and where your tzedaka must go[08:15] — Can you count shul dues or community fees as Maaser?[13:37] — What qualifies as “not making ends meet”?[15:06] — What counts as standard American debt vs halachic hardship[17:34] — Can you take Maaser off after expenses like food and rent?[20:54] — Should Maaser come before retirement savings or insurance?[25:16] — Income vs revenue: Should you Maaser from gross or net?[27:03] — Common deductions: office rent, gas, salaries, babysitting[30:28] — Can your suit or car be deducted if it’s for work?[32:03] — Student loans revisited: do doctors and PAs get a pass?[34:02] — Cleaning help & Shalom Bayis: Halachic grey zones[38:27] — Investments: Stocks, mutual funds, and when to Maaser[42:15] — Selling couches, flipping homes, and 1031 exchanges[43:23] — Donor-advised funds: mutar or pushing off a mitzvah?[46:36] — Can you use Maaser to pay for your child’s wedding or seminary?[50:57] — Conservative investing with Maaser money[55:21] — “Meat in the cholent” stories: inspiring levels of giving[59:49] — Giving Maaser without knowing where it’s going[1:01:35] — Final halachah: Priority order in tzedaka (family comes first) 🧠 Quote of the Episode: “If you’re in credit card debt, you should not be giving Maaser.”“You can’t give someone else’s tzedaka before paying your tuition deduction.” 👤 About the Guest Rabbi Tzvi Yaakov SteinA noted Posek and Rav, Rabbi Tzvi Yaakov Stein is widely respected for his clarity in halacha and his ability to apply it to real-life scenarios with nuance and precision. Though now famously known as “The Texting Rabbi” for his rapid-fire WhatsApp halachic responses, his reputation was built long before — as a trusted authority in halacha, education, and community leadership. 📄 Download his widely-shared Halacha PDFs:www.tystein.com/halacha-pdf 💼 About the Host Moshe Alpert, CLU®, CFP®, ChFC®, RICP®, AEP®Founder & CEO of Ceremian Financial. Moshe helps families turn complex financial decisions into clear, actionable plans built on values, goals, and real numbers. 🔗 Connect & Subscribe 📧 Questions? Email: [email protected]⭐️ Leave a 5-star review to help more people find the show🎧 Listen on Spotify or Apple Podcasts📺 Full episode on YouTube: https://youtu.be/fuiOe_ObMLg 🎛️ Production Credits Produced & Edited by: BIG Productions – Gidon Orman🎙️ Contact: [email protected] 📌 Hashtags #TheMiddleClass #Maaser #Tzedaka #JewishMoney #Halacha #FrumFinance #DonorFund #Charity #JewishEconomics # #RabbiStein

🎙️ Mortgages Million-dollar homes used to sound like luxury real estate—but in many neighborhoods today, that’s just the price of a modest home. So how are middle-class families pulling it off? In this sharp, practical, and surprisingly hopeful episode, host Moshe Alpert, CFP® is joined by Gabe “Mortgage Gabe” Tenenberg of FM Home Loans. Together, they break down the real strategies behind home buying for families with average incomes, non-traditional finances, and big dreams. From understanding the CIA of mortgage approval (Credit, Income, Assets) to why PMI might be your best friend, this episode sheds light on how people are navigating rising home prices, limited reported income, and steep closing costs — all while building toward long-term stability. ⏱️ Episode Breakdown: [00:00] — The self-employed paradox: Why high earners can’t get mortgages [02:36] — “How does everyone do it?” The question everyone whispers [03:54] — The new normal: Why $1M homes are now entry-level in many cities [05:15] — What’s the Mansion Tax, and why even small homes can be hit [07:22] — Mortgage prep = Lexus test drive: Why pre-approval must come first [10:28] — Introducing the CIA: Credit, Income, Assets (and why Credit is king) [14:23] — What is PMI, and how it could unlock your dream home [16:11] — The credit score trap: Why two identical earners get different rates [19:34] — Pre-approval vs. “Pre-affording”: Don’t just qualify—plan to survive [21:25] — Business Bank Statement Loans: The game-changer for self-employed buyers [26:04] — Monthly payment shock: Why $6K might only mean $3K more than rent [30:36] — Why putting less down might be smarter than 20% [33:38] — Need a raise to qualify? Use your mortgage as motivation [35:50] — Understanding the closing process (and what a “mortgage contingency” really means) [40:51] — Final takeaway: Push the envelope with a cushion and a plan 🧠 Quote of the Episode: “Most people who pushed the envelope—within reason—did not regret the home they bought.” 👤 About the Guest Gabe TenenbergMortgage Advisor, FM Home LoansKnown as “Mortgage Gabe,” Gabe specializes in helping middle-class, self-employed, and first-time buyers navigate today’s home-buying landscape with clarity, creativity, and empathy. https://wa.link/c7dc3p 💼 About the Host Moshe Alpert, CLU®, CFP®, ChFC®, RICP®, AEP®Founder & CEO of Ceremian Financial. Moshe helps families turn complex financial decisions into clear, actionable plans built on values, goals, and real numbers. 🔗 Connect & Subscribe 📧 Send your questions to: [email protected]⭐️ Leave a 5-star review — it helps others discover the show🎧 Subscribe on Spotify or Apple Podcasts📺 Watch the full episode on YouTube: https://youtu.be/z3VbqLyN4-U 🎛️ Production Credits Produced & Edited by: BIG Productions – Gidon Orman🎙️ Contact: [email protected] 📌 Hashtags #TheMiddleClass #HomeBuying #MortgageTips#FirstTimeHomeBuyer #RealEstateAdvice #PersonalFinance

What does it actually cost to run one of the largest Yeshivas in the world, and why do only 31% of parents pay full tuition? Joel Kaplan, Executive Director of Yeshiva Darchei Torah, pulls back the curtain on a staggering $50 million annual budget to reveal the complex financial engine behind Jewish education. From a "Gold Standard" policy where widows never receive a bill to the secret deliberations of a tuition committee that prioritizes "customer service" over rigid formulas, this conversation explores the delicate balance between fiscal survival and communal compassion.[00:00] – Breaking down the $50 million annual budget. [04:21] – The philosophy of "Customer Service" in the tuition office.[07:00] – Why Darchei avoids rigid formulas for tuition.[09:33] – The Numbers: Only 31% of families pay full tuition.[11:00] – Compassion in Action: The widow policy and helping the unemployed.[19:03] – How the tuition committee handles sensitive financial data.[22:03] – The "Big Beautiful Bill": Explaining the ECCA tax credit.[26:35] – Bridging the $8 million annual fundraising gap.[36:00] – Why the annual dinner is still the most effective tool.[42:25] – A message to parents on the quality of chinuch. 💼 About the HostMoshe Alpert (CLU®, CFP®, ChFC®, RICP®, AEP®), CEO of Ceremian Financial, a firm dedicated to helping families simplify complex financial decisions. “Comprehensive financial planning can feel like a daunting task. At Ceremian Financial, my team aims to create a plan that is simplified and actionable.” 💼 About the Guest: Joel KaplanTitle: Executive Director, Yeshiva Darchei TorahBio: Joel has overseen tuition and been involved with fundraising for thousands of families over decades of service. His perspective bridges financial realism with deep respect for the role of chinuch in frum life.Fun fact: He personally reviews tuition applications — and even davens for families in crisis. 🔗 Connect & SubscribeHave a question or topic you'd like us to cover? 📩 Email: ⁠[email protected]⁠⁠ ⭐️ Leave a review – it helps more people find the show 📺 Watch the video episode on YouTube: https://youtu.be/Q1JwgFnhDo4 🎧 Subscribe on Apple or Spotify Production Credits 🎙️ Produced by: Gidon Orman - BIG Productions ✂️ Post-Production & Editing: BIG Productions - gi@bigprod,net #TheMiddleClass #JewishFinance #YeshivaTuition #DarcheiTorah #JewishEducation

🎙️ The Truth About "Social Pressure"The Middle Class Podcast Episode 1 Welcome to the premiere episode of The Middle Class Podcast! Hosted by Moshe Alpert (CLU®, CFP®, ChFC®, RICP®, AEP®), CEO of Ceremian Financial, this show explores the real financial reality of the middle class—balancing large households, community expectations, and long-term stability. In this episode, Moshe sits down with Ari Boiangiu, a real middle class business owner and the founder of Blue Melody, a premier event band. Ari shares the honest truth about raising seven kids in Brooklyn while navigating the financial pressures of weddings, seminary, family life, and staying grounded. He brings a refreshing take on financial independence—while still appreciating the safety net of family support when it's needed. 🔗 Follow Ari: @bluemelodygroup 🔊 What We Discuss: [00:01:24] Who is Ari Boiangiu? Balancing life as a father of seven, business owner, and community figure [00:04:46] The Business of Trust – How Ari built Blue Melody by prioritizing relationships over products [00:08:40] Defining “Enough” – Why success means covering your bills without debt (Parnassah B’revach) [00:11:34] The Taboo of Family Help – Accepting support with gratitude, not guilt [00:21:12] Weddings & Social Pressure – The danger of going into debt for simchas and the value of takana weddings [00:26:12] The Seminary Debate – Is the $35k+ price tag worth it? Pressure vs. personal values[00:34:00] Financial Regrets – Why Ari wishes he started planning in his 20s [00:40:40] The $1,200 Pizza Hack – How homemade dough saved thousands 💼 About the Host Moshe Alpert is the CEO of Ceremian Financial, a firm dedicated to helping families simplify complex financial decisions.“Comprehensive financial planning can feel like a daunting task. At Ceremian Financial, my team aims to create a plan that is simplified and actionable.” 💡 Sponsored by Chai LifelineLooking to save on taxes while supporting a great cause? The Real Estate Bargain Sale Program lets you sell property below market value and claim a tax deduction on the difference.📧 [email protected]📞 646-981-6945 🔗 Connect & SubscribeHave a question or topic you'd like us to cover? 📩 Email: [email protected] #TheMiddleClass #JewishFinance #Budgeting #SimchaCosts #BlueMelody #MosheAlpert #MiddleClass #FinancePodcast

In this introductory episode, Moshe Alpert—Certified Financial Planner and CEO of Cermenian Financial—shares why he launched The Middle Class podcast. After over a decade of working closely with middle-class families, he’s seen a powerful truth: many people feel financially stuck not because they’re poor, but because they’re disorganized, overwhelmed, or just never taught how to handle money confidently. This podcast is here to change that. You’ll hear real stories, expert advice, and down-to-earth strategies to help you go beyond surviving—and start thriving. Whether it’s understanding insurance, managing tuition and charity, or learning how to invest with clarity, this show is your guide to total financial security.