oXYGen Financial Boulder
At oXYGen Financial, we want to help your family build a leaner budget, a fatter wallet, and a bigge
Who needs Life Insurance?
- Breadwinners
- Stay at home parents
- Parents or grandparents with dependents
- Business owners
- Anyone who wants to cover their final expenses
These are all reasons to get life insurance and ensure you leave enough money behind to cover living expenses for your dependents, pay off debts, and leave a legacy.
03/01/2024
Here at oXYGen Financial we really do have the best employees! Thank you for all that you do for our clients. oXYGen Financial is a success because of each and every one of you!
02/29/2024
GIVEAWAY ALERT 🎉
Once every four years, we try to help families LEAP closer to retirement and we are offering a ONE DAY DRAWING for a FREE RETIREMENT PLAN compliments of oXYGen Financial!
LEAP into it TODAY! ➡️ https://ow.ly/JGk850QITmg
02/26/2024
Are you taking advantage of your retirement accounts to lower your taxable income?
What is the standard deduction? It is a random number the IRS generates that refers to a portion of your income that is not subject to income taxes. The number changes year to year based on inflation.
By investing in your 401k, you can lower your taxable income for that year!
02/23/2024
What’s keep you up at night? Schedule a free consultation today and let us help you breathe easier® about life!
2024 - 25 FAFSA Changes You Need to Know!
The Free Application for Federal Student Aid for 2024 - 25 has some big changes! One of the changes that many are excited about is the length of the application - some applicants only having to answer 18 questions!
Check out these two important changes to the 2024 - 25 FAFSA:
1. Student Aid Index (SAI) - This is a figure used to determine a student’s ability to pay for college and help determine eligibility for aid. Now, the SAI can actually provide a negative number instead of just reporting zero.
2. Family incomes will be protected from the formula used to calculate contributions to pay for college expenses. This will make more students eligible for Pell Grants.
02/19/2024
Unlock your greatest asset: Invest in yourself 🌟. Embrace learning, cultivate your skills, and watch your personal growth become the best deal you've ever made.
Our mantra for 2024 - health & wealth.
We care not only about your wealth but also about your health! By prioritizing your physical and mental health, you boost productivity, reduce stress levels, and ultimately achieve long-term success. 🌟
02/14/2024
Wishing you a Happy Valentine's Day from all of us at oXYGen Financial!
02/12/2024
Greetings from California! ☀️
Recently some of our oXYGen Family traveled to California to attend a yearly conference. Check out some of the fun they had while attending!
02/09/2024
Let’s master our finances together ✨
02/07/2024
Are you celebrating a birthday in February? 🎉
Check out these birthday food freebies you can get during the month of February!
• A FREE scoop at Baskin-Robbins 🍦
• 3 FREE original glazed doughnuts at Krispy Kreme 🍩
• FREE cookie from Crumbl Cookie 🍪
• FREE bundlet at Nothing Bundt Cakes 🧁
• FREE classic pretzel at Auntie Anne’s 🥨
Maximize Your Future—2024's 401(k) Limits! 🌟
Are you ready to elevate your retirement savings? Every year the IRS updates the rules on how much you’re allowed to contribute to your 401(k) accounts based on inflation and cost of living. For 2024, there is a $500 contribution increase for 401(k) accounts!
· If you're under the age of 50: Updated 401(k) limit is $23,000.
· If you're 50+: Updated 401(k) limit is $30,500.
If you’re ready to discuss your financial future, schedule a free consultation with one of our Private CFOs today!
02/02/2024
Touchdown to Victory: Who will claim the throne of champions in this year's Super Bowl showdown? 🏆🏈
01/31/2024
Can Taylor Swift make it to the 2024 Super Bowl from Tokyo? 🏈
Time travel is on her side! We did the math so you don't have to! If our calculations are correct, Taylor can make it in time!
What is the $27.40 rule? 💡
This is a straightforward savings strategy that involves setting aside $27.40 every day. Saving this amount daily leads to saving approximately $10,000 annually!
How can this lead to wealth?
1. Consistency and discipline - By following this rule, you can cultivate a habit of saving consistently, which is a cornerstone of wealth building.
2. Compound Interest- If you invest in a high-yield savings account, these savings will earn interest and help increase your savings over time.
3. Accesibility - This rule is accessible to a wide range of individuals. It’s about making small, consistent efforts torwards a larger financial goal.
4. Budget management - Setting aside specific amounts help you be mindful of your spending and ensures that saving becomes a priority.
01/26/2024
Drowning in Debt? ☠️💸 Recognize the Chains—Toxic Debt Explained!
Are you making consistent payments towards a debt obligation, yet the balance continues to still grow because of a high interest rate? Toxic debt is any debt that you are stuck paying off a forever accruing balance without ever actually getting rid of the debt entirely. These types of debt can have interest rates north of 30%!
If you find yourself having toxic debt, try these tips to alleviate the burden:
• Assess your budget.
• Consider starting a side hustle to earn extra cash.
• Call credit card companies to negotiate your interest rate.
• Create a financial plan to reach your goals.
01/24/2024
Ready to score tickets to your favorite sporting events without breaking the bank? 🎟️
Whichever sports team is your favorite, use these tips to help find the best priced tickets!
1. Timing is Key: Act fast or play the waiting game—early birds catch the deals, and last-minute seekers snag unsold seats!
2. Compare and Compete: Use ticket comparison sites like Ticketmaster, Gametime, SeatGeek and more for the win, ensuring you don't miss out on an underdog victory for value!
3. Loyalty Leads to Victory: Join fan clubs and loyalty programs. It's not just about the points—it's about the playoffs of pricing!
4. Team up: Gather your squad and bulk buy. Group discounts can make you the MVP of savings.
5. Off-Peak Plays: Cheaper tickets for non-peak games mean you don't compromise on the atmosphere—you champion the smart spend!
01/22/2024
Are You Overtipping? 💵
A recent study by GoBankingRates show experts say these are 5 times when it’s okay to skip:
1. When You Experience Poor Service.
Tipping is certainly optional when you experience less than optimal customer serivce. This can be examples like: your waiter or waitress not checking on you once during your dining experience or if your food delivery arrives cold or damaged.
2. When You Work With Professionals.
When working with licensed professionals, a tip is not necessary. You might feel inclined but it isn’t necessary to tip anyone who earns a salary through a profession or trade.
3. When You’re at an Open Bar Event.
If you attend an open bar event, whoever is hosting will be tipping at the end of the night, so an added tip isn’t necessary.
4. When You’re Purchasing Something With Counter Service.
Many find themselves being asked to tip when purchasing quick food or drinks at casual counter service establishments. When you are asked if you would like to “leave a tip” don’t feel pressured to pay extra for your morning cup of coffee or midday lunch.
5. When You’re Being Asked to Double Tip:
Some resturants automatically add in a tip for large parties, so make sure that you read your bill carefully to avoid tipping double on your bill.
Secure your future with precision and purpose. A well-crafted financial plan isn't just about wealth; it's about crafting a life rich with possibilities. Take the reins on your fiscal journey and let's build a legacy that lasts. 🌟📈
Many Americans carry credit card debt from month to month, with many having a total of around $7,000 dollars. Check out oXYGen CEO and Co-Founder, Ted Jenkin on Scripps News talk about how you can tackle credit card debt.
01/15/2024
Today we honor the life and legacy of Dr. Martin Luther King, Jr.
Embrace the winter season without breaking the bank! 🏡✨ Discover budget-friendly ways to keep your home warm this winter. From draft-proofing to smart thermostats, let's make your space a warm haven without compromising your budget. Check out the full What Ted Says video here ➡️ https://bit.ly/3RZcLLr
01/10/2024
Join us Thursday, January 18th, for an exclusive oXYGen Financial Webinar where our CEO, Ted Jenkin, will provide tips on where to invest your money during a presidential election year.
Live Session: https://ow.ly/kk1M50QoSO4
Replay Session: https://ow.ly/nHEW50QoSO2
01/08/2024
6 Things to Buy in January 🛍️:
1. Gym memberships or online fitness subscriptions:
Consider signing up in late January to score a better deal. Many new gym-goers lose motivation by the end of January, so you can still get a good deal and avoid waiting to use equipment.
2. TV’s:
With the Super Bowl right around the corner, many retailers will place TVs on sale in January to help you prepare for the big game. Most sales will be on TVs 49” or higher, so keep that in mind.
3. Shampoo & Conditioner at Ulta Jumbo Love Sale:
Running through January 20th, check out savings for jumbo-size shampoo and conditioners at Ulta. Snag brands like Paul Mitchell, Redken, Pureology and more!
4. Winter clearance on apparel and shoes:
Kohl’s, Dick’s Sporting Goods, Target and more are placing shoes and apparel on clearance for up to 90% off!
5. After-Christmas Clearance Sales:
In January, you can find after-Christmas clearance sales on decor items like garland, ornaments, ribbons and more for up to 90% off. Take advantage of these savings by shopping sales to update decor for the upcoming year.
6. Storage Bins and Organizational Items:
When the holidays are over, and you feel you want to declutter your home, this is the time to stock up on storage bins. You can grab hefty bins to store things like holiday décor, seasonal clothing, or items you don’t need at the moment for as little as $8.
5 trendy money-saving hacks that actually work!
Ready to make your money work for you in the new year? Try these 5 money-saving hacks to get a fatter wallet in 2024.
1. The ‘No Spend’ Challenge:
This challenge is about abstaining from spending money on anything but bills and essentials and seeing how many days you can go without budging. Want to make it even more interesting? Try getting your friends on board and create a competitive atmosphere to see who can go the longest without budging.
2. Saving Your Savings:
It’s like a glorified piggy bank, but this method works! Here’s how it goes: when you buy something on sale, you take the money you would’ve spent if it was full price and move that into your savings account. So, if you bought a couch on sale for $600, which usually costs $900, you’d transfer the $300 discount into your savings.
3. Reward Yourself:
You can reward yourself with each tier you meet by setting goals for how much you want to add to your savings account.
4. The ‘How Many Hours of Work Does It Cost?’ Strategy:
Before buying bigger items, it’s helpful to analyze what it costs in terms of how many hours you’d have to work to have the money for it. Having this information can help you decide if you want to splurge on big ticket items or if it is better to save.
5. Sticky Note Savings:
Write down different dollar amounts on individual sticky notes and then each day, without looking, pull a note from the box and save the corresponding amount. You can personalize this to include what you can afford and the time frame that works best for you.
01/03/2024
Embrace the New Year with Unmatched Educational Opportunities. New changes in 529 college plans coming into effect on January 1st will redefine the college-saving game!
Stay ahead, stay informed ➡️ https://bit.ly/4aFvWCm 📚💰
01/01/2024
Ready to hit your financial goals? Take The 21-Day Budget Cleanse to make a budget that is accessible, practical, and even a little fun. Grab your copy of the book here ➡️ https://ow.ly/Tzef50QmS4K
12/29/2023
2023 Wrapped: oXYGen Edition
A look back at our 2023 moments that we will never forget!
Thank you to all of our clients for allowing us to help you breathe easier® about life! We can't wait to see what the new year brings!
Click here to claim your Sponsored Listing.
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3800 Arapahoe Avenue, Suite 210
Boulder, CO
80303
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