Simply Money: Recent Episodes
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what SpaceX's first earnings report as a publicly traded company says about the future of growth investing, discuss how to protect your finances while caring for aging loved ones, and answer listener questions on balancing fairness and family dynamics in estate planning—especially when one child takes on the role of caregiver. Practical advice on investing, legacy planning, and protecting both your wealth and your family.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why today's market bubbles may be smaller—and less dangerous—than the ones investors remember from the dot-com era and the financial crisis. They also discuss when alternative investments like private equity actually make sense, sit down with Allworth Senior Estate Planning Specialist Paul Schwartz to share strategies for preparing the next generation for one of the largest wealth transfers in history, and answer listener questions on building a lasting family legacy and protecting generational wealth.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth Chief Investment Officer Andy Stout to break down what the latest GDP, inflation, and jobs data really say about the economy. They also discuss the winners and losers of earnings season, the market's reaction to AI spending, and answer listener questions about knowing when you've done enough Roth conversions, whether life insurance still belongs in your financial plan, and when it makes sense to finally pay the taxes on highly appreciated real estate.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what wealth really means today—and why true financial success is less about luxury and more about having the freedom to control your time, your choices, and your future. They discuss the growing trend of "career optionality," why more Americans are choosing flexibility over full retirement, and how thoughtful financial planning can help you build a life around purpose instead of possessions.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth Chief Investment Officer Andy Stout and former Cleveland Fed President Dr. Loretta Mester to discuss the Federal Reserve's latest decision, inflation, and what the markets are signaling. They also break down the latest AI-driven earnings from Big Tech, explain why waiting for the "perfect" time to invest can be a costly mistake, answer a listener's question about investing after selling a business, and look at why Gen Z is spending less on nights out than previous generations.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what Alphabet's latest earnings reveal about the AI arms race, why Big Tech is pouring hundreds of billions into infrastructure, and what that means for investors. They also explain why massive AI spending could create both opportunity and risk, drawing lessons from the dot-com era and sharing how to avoid getting overconcentrated in today's hottest stocks.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian put your financial instincts to the test with a series of real-world scenarios that reveal who really comes out ahead—from high earners versus high savers to paying off your mortgage versus investing, maximizing guaranteed retirement income, and using tax-loss harvesting to keep more of what you earn. Plus, they explore whether leaving a bigger inheritance is always the best legacy—and why thoughtful financial planning often beats a bigger pile of money.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what the Federal Reserve's next interest rate decision could mean for your money, why rising healthcare costs need to be a bigger part of your retirement plan, and the latest bipartisan effort to shore up Social Security. They also discuss whether Jersey Mike's upcoming IPO is worth a look, share practical ways to protect yourself from phone scams and SIM-swapping attacks, and answer listener questions on coordinating financial advisors, CPAs and attorneys, diversifying concentrated stock positions, and smart charitable giving strategies.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest inflation report with Allworth Chief Investment Officer Andy Stout, including whether rising prices are finally cooling and what it could mean for interest rates, the markets, and your portfolio. They also examine the growing popularity of leveraged ETFs and why they can be far riskier than many investors realize, discuss how more first-time homebuyers are relying on family gifts to afford a down payment, and answer listener questions on tax-efficient portfolio rebalancing, deferred compensation, relocating to Florida in retirement, and why counting on an inheritance can derail your financial future.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian play a financial planning game that reveals the one overlooked question that can completely change your retirement strategy. From caring for aging parents and buying a dream vacation home to pension decisions and Roth conversions, they explain why great financial planning isn't just about the numbers—it's about asking the right questions before you make life-changing decisions.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional idea of retirement, exploring why having enough money isn’t the same as having a fulfilling plan for what comes next. Inspired by a powerful real-life story, they discuss “purpose risk,” the dangers of tying your identity solely to your career, and why true financial success is about creating optionality in your life—not just building wealth. They also break down how to turn your savings into a tax-efficient income stream, why rules like the 4% guideline can fall short, how to manage risk and cash flow in retirement, and why your “forever home” might not be as permanent as you think.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how financial planning has evolved from relying on pensions and predictable income streams to navigating today’s reality of managing “piles of money” through market volatility, tax complexity, and retirement uncertainty. They also discuss the hidden tax traps inside large brokerage accounts, why money tension doesn’t always disappear with wealth, and answer listener questions on family communication, charitable giving strategies, and what Social Security’s future could really mean for retirees.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to AI-proof your portfolio without betting the farm, explaining why investors can embrace the AI revolution while avoiding the mistakes of the dot-com era through diversification and strategies like direct indexing. Plus, they share smart ways families can reduce the high cost of summer day camp with little-known tax breaks and flexible spending accounts that could save thousands.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the modern midlife crisis—and why so many high earners are making more money than ever while feeling more trapped than ever at the same time. They discuss the rise of “golden handcuffs,” lifestyle creep, delayed retirement decisions, and the emotional realization many successful professionals face when they discover they could have stepped away years earlier. Plus, they dive into costly inherited IRA mistakes families are making under the Secure Act, strategies for managing taxes on retirement accounts, whether direct indexing is worth it for affluent investors, when municipal bonds may actually hurt your returns, and how to thoughtfully transition into retirement without losing your sense of purpose.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why millions of Americans may now own a piece of SpaceX without realizing it, what a proposed retirement savings overhaul modeled after Australia could mean for your future, and whether the new Trump Accounts are the right savings tool for your family. Plus, the Better Business Bureau shares the latest scams targeting your money, and the guys answer listener questions on tax gain harvesting, municipal bonds, and smart retirement tax planning.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what the Dow, S&P 500, and NASDAQ really measure—and why understanding the differences can make you a more informed investor. They also discuss why so many retirees struggle to shift from saving to spending, get the latest on the Greater Cincinnati housing market, and answer listener questions on making a $1 million 401(k) last, inherited stock, and when a trust may make more sense than a simple will.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the "Magnificent Seven" may no longer be the biggest winners in the AI boom, what SpaceX joining the Nasdaq 100 could mean for investors, and Jersey Mike's plans to go public. They also discuss how to filter out financial noise, review common life and disability insurance gaps for high-income professionals, answer listener questions on Roth conversions, helping adult children buy a home, and investing an inheritance, and wrap up with timeless money lessons from America's Founding Fathers.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the seven most common financial lies we tell ourselves – from “I’ll be happy when I have more money” to “I’ll figure it out on my own.” These aren’t just small white lies; they’re deeply emotional narratives that can quietly sabotage your financial future. Whether you're navigating lifestyle creep, market timing fears, or generational silence around money, this episode helps you recognize these self-deceptions and replace them with smart, actionable advice. Plus, tips for protecting your finances through divorce, estate planning updates you might have missed, and the growing threat of elder cyber scams.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the most expensive lies couples tell themselves about money—especially the dangerous comfort of saying “we’re fine” —and explain how a lack of communication around retirement timing, estate plans, and financial roles can cost families millions and fracture relationships. They also dig into why a single withdrawal rate like the traditional 4% rule isn’t enough, exploring sequence of returns risk, bucket strategies, flexible spending guardrails, and how small tweaks in Monte Carlo assumptions can dramatically change your plan’s success rate. Plus, Allworth’s in-house insurance expert, Jodee Deutsch, joins the show to discuss when life insurance shifts from simple protection to advanced estate and legacy planning, and how high-net-worth families can better align their wealth with their long-term goals.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the most expensive financial decisions often aren’t the ones you make — they’re the ones you avoid . They walk through real-life examples of high-net-worth families who delayed portfolio changes, tax planning, diversification, or retirement decisions, only to face bigger consequences later. The guys also break down why a “good investment” can still be a bad financial move if it increases concentration risk or limits liquidity, key questions to ask before retiring early, how to think about withdrawal strategies and portfolio drift, and one clear sign you may be overthinking your finances.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the financial decisions that feel boring or easy to postpone often have the biggest impact on long-term success. From overlooked beneficiary designations and withdrawal strategies to missed tax-planning windows and life risks that don’t show up in market charts, they explain how successful families can do everything “right” and still run into avoidable problems. The conversation highlights why planning for taxes, longevity, healthcare, control, and flexibility matters just as much as investment returns—especially as net worth grows—and how proactive, thoughtful decisions today can protect both your lifestyle and your legacy.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what true wealth in retirement really means, from aligning your spending with your values to making smart pension choices, planning for business succession, and tackling real listener questions about emergencies, uneven expenses, and estate duties.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why a mid-year financial review is about much more than investment performance. They break down how to make sure your portfolio still aligns with your goals, uncover tax-saving opportunities before year-end, evaluate retirement progress, update estate planning documents, review beneficiary designations, and determine whether you're holding the right amount of cash. Plus, they discuss why the most important financial question you can ask right now is simply: what has changed in your life this year?
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the seven financial lies we tell ourselves—from believing more money will finally make us happy to thinking we can time the market, save later, or figure everything out on our own. They also discuss the financial realities of divorce, why cybercriminals are increasingly targeting seniors and their life savings, how to prepare your spouse to take over the family finances if needed, and critical estate planning mistakes that can create major headaches for your heirs. Plus, answers to listener questions on emergency funds, cognitive decline planning, and protecting your family's financial future.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the stock market’s boring days are often the most important for building long-term wealth, and why trying to time the market can come at a steep cost. They also discuss the growing AI investment frenzy in Taiwan and the dangers of chasing hot trends, cybersecurity risks lurking inside smart home devices, and answer listener questions about business exit planning, tax-efficient investing, and managing wealth more strategically.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why many investors who think they’re diversified may actually have far more exposure to AI and semiconductor stocks than they realize, how concentration risk has shown up throughout market history, and what wealthy investors can do to protect against it. They also break down the recent pullback in private credit funds, the dangers of relying on active managers to pick the next market winners, why your portfolio’s purpose matters more than its returns, and answer listener questions on direct indexing, family business inheritance planning, Roth conversions, and the new Trump Accounts for children.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a major shift at the Federal Reserve that could change how markets react to economic data, discuss the growing divide in how different generations and genders build wealth, and answer listener questions on inherited stock, selling a business, Roth conversions, and tax-loss harvesting. Plus, why you may already own a piece of SpaceX without even realizing it.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the growing debate over allowing private equity, private credit, crypto, and other alternative investments inside 401(k) plans—and why many investors and fiduciaries are pushing back. They also discuss whether Americans are taking full advantage of new retirement and tax-saving strategies, the financial realities of owning a vacation home, how to know if you can afford a career sabbatical, strategies for managing large required minimum distributions, and when it's time to simplify a rental property portfolio.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the biggest risk to your retirement may have nothing to do with the stock market. From rising healthcare costs and long-term care planning to selling a business and navigating looming tax challenges, they cover the financial decisions that can have the biggest impact on your future. Plus, former Cleveland Fed President Dr. Loretta Mester joins the show to share her perspective on the Federal Reserve's latest decision and what investors should be watching next.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Federal Reserve's latest decision to hold interest rates steady and what persistent inflation could mean for your savings and investments. They also discuss the frenzy surrounding SpaceX's blockbuster IPO, the risks of chasing speculative investments, why blindly following the crowd into target-date funds could hurt your retirement strategy, and how couples can make smarter career and financial decisions together. Plus, advice for business owners whose children aren't interested in taking over the family company and the options available for a successful transition.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what a new era at the Federal Reserve could mean for investors by looking back at the legacies of influential Fed chairs from Paul Volcker to Jerome Powell, discuss the latest restructuring news from Procter & Gamble and key planning opportunities for affected employees, break down when trusts make sense as part of an estate plan, and answer listener questions on investment performance, concentrated bets, retirement planning assumptions, and strategies for managing taxes during the early years of retirement.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the market's reaction to a newly announced U.S.-Iran peace agreement and what it could mean for oil prices, inflation, and interest rates, with insights from Allworth Chief Investment Officer Andy Stout. They also discuss whether investors are missing out by skipping private equity, why the biggest wealth-building opportunities often start as overlooked companies, estate planning strategies for blended families, and answer listener questions on pension decisions, early retirement account access, and building flexibility when most of your wealth is tied up in retirement plans.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle a question more investors are asking: are you missing out by not investing in private markets? They break down the opportunities, risks, and realities behind private equity and pre-IPO investing, discuss a remarkable story of a 95-year-old worker who may have missed decades of pension benefits because of a clerical error, explore why luxury travelers are flocking to all-inclusive vacations, and share practical advice on managing a business-sale windfall, inheriting significant wealth, and determining the right amount of umbrella liability insurance for your family.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the highly anticipated SpaceX IPO and what investors need to know before jumping in, discuss why semiconductor stocks have become one of the biggest winners of the AI boom, examine the latest Social Security COLA projections and what they could mean for retirees, share real estate design trends that can help maximize your home's value, and answer listener questions on inheritances, retirement spending, wealth preservation, and how your financial picture compares to your peers.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest inflation report and what rising energy prices could mean for interest rates under new Fed Chair Kevin Warsh. They also discuss Fifth Third’s historic move to the New York Stock Exchange, why regulators just made day trading easier for everyday investors, and whether that’s a recipe for financial success or disaster. Plus, the latest scams tied to major events like the World Cup, strategies for evaluating an early retirement buyout offer, smart ways to manage capital gains, and how grandparents can use 529 plans to help build a lasting financial legacy.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what true diversification looks like in today's market—and why owning more investments doesn't always reduce risk. They also discuss a proposal that could bring private equity, crypto, and other alternative investments into 401(k) plans, and whether highly compensated employees have enough life and disability insurance coverage. Plus, they answer listener questions on navigating different retirement timelines, protecting family wealth from divorce risk, tax planning after moving to Florida, and preparing to sell a closely held business.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why a surprisingly strong jobs report may keep the Fed on hold longer than investors expected, what that means for inflation, interest rates, and your portfolio, and why reacting to headlines can be costly. They also discuss the unique financial planning challenges facing couples with significant age gaps, how to future-proof your career in the age of AI, whether a financial advisor is worth the cost, strategies for managing future required minimum distributions, how the mega backdoor Roth works, and the age-old question: should you pay off your mortgage early or invest the money instead?
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle a critical question for investors: what happens if the next decade of market returns doesn’t cooperate—and does your financial plan rely on strong returns just to survive? They break down how to properly stress test your retirement plan using real-world scenarios, Monte Carlo analysis, and the importance of separating must-have expenses from discretionary spending to weather any environment. Plus, they dive into the hidden complexities of restricted stock units (RSUs), including how they’re taxed, vesting schedules, and why they should be treated as a concentrated position in your portfolio. You’ll also hear strategies for protecting your retirement timing from market downturns, how to think through pension lump sum versus income decisions, and smart ways to gift money for major life events without triggering unnecessary taxes.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian put AI to the test, asking ChatGPT some of the most common financial planning questions—from Roth conversions and Social Security timing to concentrated stock positions and paying off a low-rate mortgage. They break down where artificial intelligence gets it right, where it falls short, and why context, personalization, and human judgment still matter when making major financial decisions.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore whether artificial intelligence is truly the next great investing revolution or just the latest market obsession, drawing lessons from railroads, oil, automobiles, and the dot-com boom. They also discuss why timing matters in major financial decisions, strategies for unwinding concentrated stock positions, opportunities created by low-income years, the latest trends in the Cincinnati housing market, and the most common mistakes first-generation millionaires make.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what's fueling the market's powerful rally and why the gains are extending far beyond the Magnificent Seven. They also discuss a possible solution to Social Security's funding crisis, strategies for unwinding concentrated stock positions without creating a tax headache, when Roth conversions make sense—and when they don't—and how families can start meaningful conversations about future inheritances.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down whether Wall Street is getting ahead of itself as stocks continue climbing to new highs, with Allworth Chief Investment Officer Andy Stout weighing in on interest rates, inflation, AI's impact on jobs, and what investors should really be watching next. Plus, the cautionary tale behind NASCAR legend Kyle Busch's legal battle over indexed universal life insurance, what every investor needs to know before using life insurance as an investment strategy, answers to listener questions about Treasury Inflation-Protected Securities (TIPS), preparing financially for cognitive decline, and navigating inheritance decisions when children have dramatically different earning power. And finally, there's encouraging news on retirement savings habits as Americans quietly make a move that could significantly improve their long-term financial security.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how financial planning has evolved from relying on pensions and predictable income streams to navigating today’s reality of managing “piles of money” through market volatility, tax complexity, and retirement uncertainty. They also discuss the hidden tax traps inside large brokerage accounts, why money tension doesn’t always disappear with wealth, and answer listener questions on family communication, charitable giving strategies, and what Social Security’s future could really mean for retirees.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why Goldman Sachs says the AI-driven market boom may not be a bubble after all, what investors need to understand before chasing hot new ETFs and IPOs like SpaceX and OpenAI, and the growing risks of letting AI trade and spend your money. Plus, they tackle costly estate planning mistakes involving retirement account beneficiaries, explain how direct indexing can create meaningful tax savings for high-net-worth investors, and discuss smart ways to think about long-term care planning without derailing your retirement lifestyle.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down whether America’s $35 trillion national debt is a ticking time bomb for the economy and your portfolio, why more Americans are being forced into early retirement before they planned, and the biggest cybersecurity mistakes affluent families are making online. Plus, they tackle healthcare planning before Medicare, the hidden risks of Roth conversions when financial aid is on the line, and how to think through the right Social Security claiming strategy for your situation.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the growing disconnect between how Americans feel about the economy and what the data is actually showing—as consumer sentiment falls to record lows despite strong corporate earnings and resilient spending. They also discuss the possibility of future Fed rate hikes under new Federal Reserve Chair Kevin Warsh, why the “Magnificent Seven” stocks may no longer be carrying the entire market, and how broadening earnings growth could reward truly diversified investors. Plus, they tackle one of the biggest retirement blind spots for high earners: confusing net worth with sustainable cash flow, why sudden wealth and inheritances often disappear faster than expected, strategies for drawing retirement income in the right order, what to do before a major IPO or liquidity event, and the hidden costs that can turn a dream vacation home into a financial headache.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down whether the stock market is really “about to fall off a cliff” after a high-profile economist warned the U.S. is getting dangerously close to a recession. Allworth Chief Investment Officer Andy Stout joins the show to separate scary headlines from actual economic data—covering what the bond market, housing market, labor market, and consumer confidence numbers are really saying right now.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down Nvidia’s latest jaw-dropping earnings report and what the AI boom could mean for investors, productivity, and the future of work, while also exploring the wave of high-profile IPOs coming from companies like SpaceX and OpenAI. They discuss signs of growing speculation on Wall Street, why disciplined investors should be cautious as enthusiasm ramps up again, and how wealthy families can think through long-term care planning before a crisis forces difficult decisions. Plus, they answer listener questions about estate planning after the unexpected loss of a spouse, when Roth conversions make the most sense for high earners, the hidden tax traps with private company stock options, and why used electric vehicles may quietly be one of the best values in today’s car market.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the modern midlife crisis—and why so many high earners are making more money than ever while feeling more trapped than ever at the same time. They discuss the rise of “golden handcuffs,” lifestyle creep, delayed retirement decisions, and the emotional realization many successful professionals face when they discover they could have stepped away years earlier. Plus, they dive into costly inherited IRA mistakes families are making under the Secure Act, strategies for managing taxes on retirement accounts, whether direct indexing is worth it for affluent investors, when municipal bonds may actually hurt your returns, and how to thoughtfully transition into retirement without losing your sense of purpose.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why Nvidia’s earnings report could become a major report card on the entire AI infrastructure boom—and what high-net-worth investors should really be watching beneath the headlines as Wall Street starts demanding proof that massive AI spending will actually translate into long-term profits. They also discuss why your personal inflation rate in retirement may be far higher than the government’s CPI number, how overlooked estate planning strategies like the step-up in basis can potentially save families thousands in taxes, what to do after receiving a major liquidity event like the sale of a business or inheritance, whether moving to Florida for tax reasons truly makes financial sense, and why umbrella liability insurance may be one of the cheapest forms of financial protection available.
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On this episode of On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle a question that hits differently when you’ve built real wealth: if the market dropped 20% tomorrow, what would you actually do? They walk through the emotional and mathematical realities of managing a $2–10 million portfolio, why risk tolerance and plan design don’t always align, and how shifting from accumulation to preservation changes everything. You’ll also hear strategies around sequence of returns risk, separating income streams from piles of money, and why diversification today may mean more than just a 60/40 portfolio., Bob and Brian tackle a question that hits differently when you’ve built real wealth: if the market dropped 20% tomorrow, what would you actually do? They walk through the emotional and mathematical realities of managing a $2–10 million portfolio, why risk tolerance and plan design don’t always align, and how shifting from accumulation to preservation changes everything. You’ll also hear strategies around sequence of returns risk, separating income streams from piles of money, and why diversification today may mean more than just a 60/40 portfolio.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the key life moments when calling your financial advisor can make—or cost—you thousands. They also tackle a surprising trend: why retirees with millions saved still feel financially insecure, and how shifting from pension-style income to managing a “pile of money” has changed everything. Plus, insights from CIO Andy Stout on how tax-efficient investing strategies like tax loss harvesting and direct indexing can add real after-tax returns, and practical advice on gifting strategies, insurance gaps, and why not having a power of attorney could create major problems for your family.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why even famous market predictors like Michael Burry shouldn’t drive your investment decisions, how volatility and bad news can actually create opportunity in a diversified portfolio, whether a vacation home is worth it, and smart strategies for handling burnout, large RMDs, real estate complexity, and co-signing risks.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest inflation data as CPI comes in hotter than expected at 3.8% year-over-year—driven largely by rising energy prices tied to global conflict—and what that likely means for interest rates, the Fed’s next moves, and your portfolio strategy. They also dive into the surge in annuity sales and why “guarantees” often come with trade-offs investors don’t fully understand. Plus, a deeper conversation on what your portfolio is actually supposed to do—and why focusing only on returns can lead you astray. The show also highlights how two families with identical wealth can end up with dramatically different outcomes depending on planning decisions around RMDs, taxes, concentrated stock, and estate strategies. Finally, listener questions cover navigating retirement’s impact on marriage, whether Roth conversions still make sense if tax rates rise, and how to know when it’s time to move on from a long-time advisor.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what a “higher for longer” rate environment means as strong job data and persistent inflation keep the Fed on hold. Allworth CIO Andy Stout explains what’s driving oil prices, why emerging markets are outperforming, and where investors should be paying attention right now. They also discuss a possible shift away from quarterly earnings reports and what it could mean for market volatility. Plus, a troubling AI deepfake scam that cost a retiree $200,000—and how to protect your family. Finally, they answer listener questions on managing a $5 million inheritance, handling RMDs tax-efficiently, protecting assets from a gambling-addicted child, and whether college is still worth the cost.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian put the last five years of stock market returns into proper perspective—breaking down why, despite volatility, disciplined investors have still seen strong long-term results, and why short-term headlines can distort reality and lead to poor decisions. They walk through recent market performance across the S&P 500, NASDAQ, small caps, and international markets, highlighting the surprising strength and broad-based nature of this rally, while also addressing the psychological challenges investors face during uncertain times.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how AI is no longer just a “big tech” story—but an economic force reshaping everything from healthcare to energy—and what that means for your investment portfolio. Plus, how to avoid lifestyle creep as your income rises, navigate delicate financial conversations with aging parents, and set healthy boundaries when family and friends come asking for financial help. And before you say yes to that vacation pitch, a clear-eyed look at whether timeshares are a smart lifestyle move—or a costly mistake you can’t easily escape.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down three powerful—and very different—voices shaping investor sentiment right now, from Warren Buffett’s warning that markets are behaving more like a casino than a place for disciplined investing, to Jamie Dimon’s concerns that inflation and interest rates could stay higher for longer and create new hurdles for growth, to Elon Musk’s bold claim that saving for retirement may one day be unnecessary in an AI-driven world. Along the way, they unpack what all of this means for long-term investors, why short-term trading strategies can quietly derail even smart portfolios, and how to separate meaningful financial insight from attention-grabbing noise when making big decisions about your money.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle a critical question for investors: what happens if the next decade of market returns doesn’t cooperate—and does your financial plan rely on strong returns just to survive? They break down how to properly stress test your retirement plan using real-world scenarios, Monte Carlo analysis, and the importance of separating must-have expenses from discretionary spending to weather any environment. Plus, they dive into the hidden complexities of restricted stock units (RSUs), including how they’re taxed, vesting schedules, and why they should be treated as a concentrated position in your portfolio. You’ll also hear strategies for protecting your retirement timing from market downturns, how to think through pension lump sum versus income decisions, and smart ways to gift money for major life events without triggering unnecessary taxes.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why stocks just had their best month in five years while gold is plunging—despite global conflict—and what that signals about investor sentiment, inflation expectations, and where markets may head next. They also uncover a report revealing over $160 million in missed or underpaid Social Security benefits impacting thousands of retirees, discuss the real risks of letting AI make financial decisions on your behalf, and answer listener questions on Roth conversions, charitable giving strategies, and whether real estate still deserves a place in a high-net-worth portfolio.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the hidden danger in today’s markets: not panic—but complacency. While headlines are filled with war, inflation concerns, and uncertainty, investors seem unfazed—and that can create its own set of risks. They walk through real-life scenarios of retirees staying too heavily invested in equities, “set it and forget it” millionaires ignoring portfolio drift, and couples making major purchases without proper planning—highlighting how overconfidence and lack of discipline can quietly derail even strong financial plans.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how four big tech companies moved the market in minutes after earnings, why strong cloud growth continues to power the economy, what a steady GDP report really says about where we’re headed, and how big life decisions—from age-gap marriages to AI in the workplace—can impact your financial plan.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Fed’s decision to hold interest rates steady and what it really signals for investors, why the old “sell in May and go away” strategy can do more harm than good, and the hidden risks in chasing market trends—from short squeezes to speculative betting markets—while also answering listener questions on Roth conversions, pre-tax retirement strategies, and navigating a surprise business buyout offer.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down three conflicting market predictions making headlines right now—and why reacting to any of them could derail your long-term plan—while also diving into the dangers of turning your 401(k) into a betting platform, whether a “too balanced” portfolio could actually hurt your growth, how appraisal gaps can impact what you really pay for a home, and smart strategies for high-net-worth investors including direct indexing, managing large IRA balances, and planning for long-term care without over-insuring.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what really drives the markets—cutting through the noise of scary headlines to focus on corporate earnings, recession risk, and the health of the consumer—while also exploring the impact of stock buybacks like Netflix’s massive program, how your identity can complicate retirement more than your finances, and smart strategies for managing concentrated stock, charitable giving, and building a sustainable retirement plan.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a bold—and controversial—investment strategy suggesting nearly half your portfolio belong in gold, commodities, and even Bitcoin, with zero allocation to bonds. They dig into why some global strategists are losing faith in traditional portfolio construction, what’s really driving the fear around inflation and government debt, and why abandoning bonds altogether could create more volatility—not less. Plus, a reality check on cryptocurrency as a true currency, including what happened when El Salvador made Bitcoin legal tender—and why it hasn’t delivered on its promises. Finally, they explain how smart bond management—like adjusting duration and laddering maturities—can still play a critical role in building a resilient, income-producing portfolio.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian separate fact from fiction when it comes to the latest “stock market bubble” headlines. They also walk through the real-world decisions around unwinding rental properties, from 1031 exchanges to depreciation recapture, plus practical home maintenance tips that can protect one of your largest assets, and answers to listener questions on backdoor Roth strategies, inherited IRA withdrawal rules, and balancing charitable giving with family goals.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the implications of Fed chair nominee Kevin Warsh’s confirmation hearing with insights from former Cleveland Fed President Dr. Loretta Mester, explaining why Fed independence matters and how decisions are really made. They also explore new data showing declining retirement confidence as rising healthcare, travel, and housing costs weigh on retirees, along with practical guidance on building a plan that accounts for those realities. Plus they tackle listener questions by offering solutions for managing retirement cash flow when assets are tied up in private equity, investing excess income tax-efficiently after maxing out retirement accounts, and reevaluating municipal bond strategies as income changes.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the market rebounded sharply despite global conflict, highlighting how one company—Micron Technology—is driving a surprising share of earnings growth expectations and what that means for diversification and long-term investors. They also discuss the risks of relying on headline-making company CEOs, answer listener questions on direct indexing, tax planning in retirement, and concentrated stock positions, and wrap up with smart, flexible strategies for funding grandchildren’s education using tools like 529 plans.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why markets can surge to record highs even as geopolitical tensions with Iran create ongoing uncertainty, and what that means for investors trying to time the “all clear.” They also dive into the risks of chasing hype after a sneaker company’s AI-fueled stock spike and crash, and the broader lessons for anyone tempted by momentum trades. Plus, practical advice on managing complex financial decisions—from reviewing life insurance and executing Roth conversions to maximizing charitable giving strategies. And finally, a discussion on new Social Security proposals that could impact high earners down the road.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the market so often defies logic—and discuss why a so-called “WTF indicator” is really a reminder that trying to predict short-term moves is a losing game, even for the smartest investors. They explain why headlines rarely match market performance, how forward-looking expectations drive returns, and why sitting on the sidelines can cost you more than volatility ever will.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the key life moments when calling your financial advisor can make—or cost—you thousands. They also tackle a surprising trend: why retirees with millions saved still feel financially insecure, and how shifting from pension-style income to managing a “pile of money” has changed everything. Plus, insights from CIO Andy Stout on how tax-efficient investing strategies like tax loss harvesting and direct indexing can add real after-tax returns, and practical advice on gifting strategies, insurance gaps, and why not having a power of attorney could create major problems for your family.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what big bank earnings are revealing about the economy and why it matters for your portfolio, explore how record-low U.S. birthrates could impact Social Security and long-term financial planning, and answer listener questions on portfolio risk, deferred compensation strategies, estate organization, and whether to pay off a low-interest mortgage or stay invested.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest inflation spike fueled by rising energy prices and what it means for markets, interest rates, and your portfolio—while Allworth CIO Andy Stout explains why core inflation remains more stable beneath the surface. They also cover a local Ponzi scheme that led to prison time and the key red flags investors can’t afford to ignore, plus smart strategies for selling a business, choosing between municipal and taxable bonds, and where private investments fit for high-net-worth portfolios. Finally, they highlight common tax-season regrets—and how proactive planning now can save you thousands next year.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why so many people who have done everything right—saved, invested, and built significant wealth—still don’t feel confident about their financial future. They explore the difference between passive decision-making and intentional planning, the two factors that truly move the needle, and why “hoping it all works out” can quietly derail even strong portfolios. Plus, why a financial windfall can be a risky moment if you act too quickly, how AI is starting to influence financial decisions (for better and worse), and answers to listener questions on managing concentrated stock positions, coordinating income across accounts, planning for market downturns, and making sure your financial life is prepared for the unexpected.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional idea of retirement, exploring why having enough money isn’t the same as having a fulfilling plan for what comes next. Inspired by a powerful real-life story, they discuss “purpose risk,” the dangers of tying your identity solely to your career, and why true financial success is about creating optionality in your life—not just building wealth. They also break down how to turn your savings into a tax-efficient income stream, why rules like the 4% guideline can fall short, how to manage risk and cash flow in retirement, and why your “forever home” might not be as permanent as you think.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how just two trading days over the past year could have dramatically impacted your portfolio—and why trying to time the market based on fear can cost you millions over time. They also cover the risks of having multiple old 401(k)s, smart strategies for Roth conversions and tax-efficient charitable giving, how to approach estate planning conversations with aging parents, the importance of pre-planning end-of-life decisions, and when advanced strategies like direct indexing actually make sense for higher-net-worth investors.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a potential inflation spike driven by surging oil prices and what it means for Fed rate cuts, while also explaining why your retirement “number” might be completely wrong, how sudden wealth can quietly destroy your finances, and answering listener questions on investing cash, gifting strategies, and making sure your plan actually lasts as long as you do.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the biggest investing mistakes they know happened during a volatile week in the markets—from chasing scary geopolitical headlines and trying to time sector moves like gold and energy, to overreacting to massive daily swings and sitting on cash waiting to “buy the dip.” They explain why the market often prices in news before you can act, how missing just a handful of the best days can derail long-term returns, and why doing nothing can sometimes be the most disciplined—and profitable—move. Plus, they share what smart investors actually did this week, including rebalancing, tax loss harvesting, and revisiting their financial plans to stay on track.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the market isn’t reacting to headlines—but pricing in what comes next—and how indicators like the VIX can help high-net-worth investors better understand volatility, risk pricing, and opportunity. They also dive into Apple at 50 and whether it still deserves a place in your portfolio today, how to handle financial pressure from family and friends without damaging relationships, smart strategies around tax loss harvesting and Roth conversions, and what many investors misunderstand about target date funds.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why reacting to headlines and trying to time market sectors—from energy to tech to gold—can derail your long-term plan, especially in fast-moving geopolitical environments, while also breaking down a push to bring private equity and crypto into 401(k)s, what to do with a major inheritance, how to coordinate deferred comp, smart charitable giving strategies, what’s really happening in Cincinnati’s spring housing market, and why your tax return holds key planning opportunities.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why investors aren’t panicking despite rising geopolitical tensions, what that means for your portfolio, and how to prepare for volatility with smart planning, liquidity, and tax strategies—plus insights on life insurance decisions, concentrated stock risk, selling a business, Roth conversions, and why having proactive family conversations about long-term care matters more than ever.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the recent market volatility and why corrections are a normal part of investing, with insight from CIO Andy Stout on what history tells us, where global markets stand, and what his recession scorecard is signaling. They also discuss the looming Social Security shortfall and lack of action in Washington, the growing $1 trillion impact of unpaid caregiving on families, and answer listener questions on direct indexing, trusts, and charitable strategies—plus a look at teens getting early access to investing and what that means for financial education.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian take a deep dive into one of the most dangerous phrases in investing—“this time is different”—and why history shows that investor behavior often repeats itself, even when markets, technology, and opportunities evolve. They walk through a century of market cycles, from the optimism of the Roaring 1920s and the devastation of the Great Depression, to the dot-com bubble, the housing crash of 2008, and the more recent frenzy around SPACs, meme stocks, and crypto. Along the way, they share personal stories from their early careers, highlighting how real experience through a full market cycle shapes smarter investors, and why understanding behavioral biases like recency bias and overconfidence is critical—especially for those managing significant wealth.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why recession headlines don’t tell the full story, the hidden risks in private credit and alternative investments, and why many high-net-worth retirees are actually saving too much instead of enjoying their money—plus answers on insurance, taxes, and helping your kids financially.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to turn market volatility into opportunity—using smart strategies like tax loss harvesting and direct indexing to play both defense and offense—while also tackling the reality that many retirees don’t get to “call their shot,” how to prepare for an earlier-than-planned exit from the workforce, the latest scams targeting your money, and practical advice on everything from cash reserves to navigating family financial dynamics.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why so many people who have done everything right—saved, invested, and built significant wealth—still don’t feel confident about their financial future. They explore the difference between passive decision-making and intentional planning, the two factors that truly move the needle, and why “hoping it all works out” can quietly derail even strong portfolios. Plus, why a financial windfall can be a risky moment if you act too quickly, how AI is starting to influence financial decisions (for better and worse), and answers to listener questions on managing concentrated stock positions, coordinating income across accounts, planning for market downturns, and making sure your financial life is prepared for the unexpected.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why this latest market “correction” is yet another reminder that trying to time short-term moves is a fool’s errand, as headline-driven volatility—from geopolitical tensions to sudden reversals in futures—continues to whipsaw investors. The conversation then pivots to a major fiduciary rule change out of Texas that could make it harder to identify trustworthy financial advice, especially as trillions are expected to roll from 401(k)s to IRAs in the coming years. Plus, they tackle listener questions on trimming concentrated stock positions, avoiding second-guessing after rebalancing, and what to do if you’ve been sitting on a large pile of cash waiting for the “right time” to invest.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the real danger to your wealth right now isn’t inflation itself, but how investors react to it—often by getting overly defensive, raising cash, and pulling back from growth, which can quietly erode purchasing power over time. Using lessons from the 1970s and real-world portfolio examples, they highlight how inflation is cumulative, why “playing it safe” can backfire, and how even high-net-worth investors risk compressing their future if their portfolios aren’t built to outpace rising costs. They also share why disciplined allocation, proper use of cash buckets, and stress-testing your plan during good markets are key to staying on track for the long term.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional idea of retirement, exploring why having enough money isn’t the same as having a fulfilling plan for what comes next. Inspired by a powerful real-life story, they discuss “purpose risk,” the dangers of tying your identity solely to your career, and why true financial success is about creating optionality in your life—not just building wealth. They also break down how to turn your savings into a tax-efficient income stream, why rules like the 4% guideline can fall short, how to manage risk and cash flow in retirement, and why your “forever home” might not be as permanent as you think.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to tune out scary headlines and focus on what you can actually control in your financial plan, while also showing how your tax return can reveal opportunities to lower future taxes, answering listener questions on income and capital gains, and sharing strategies to align your career, family, and charitable giving.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why your portfolio may be holding up better than alarming headlines suggest, highlighting the difference between widely cited indexes like the Dow and what a truly diversified portfolio actually experiences, while also unpacking how global market shifts and proper allocation are benefiting investors. They then dive into the surprising reality that high earners often feel more financially strained due to lifestyle creep, and wrap up with listener questions on bond duration, liquidity versus market risk, the role of alternative investments, and whether reducing financial risk should come from changing your portfolio or your spending habits.
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Tonight on Simply Money presented by Allworth Financial, Bob and Brian break down the financial fallout as the war with Iran enters week three, with Allworth CIO Andy Stout joining to explain what surging oil prices, the Strait of Hormuz, and Fed uncertainty could mean for gas prices, inflation, interest rates, and your portfolio. They also cover a troubling rise in 401(k) hardship withdrawals, why private credit funds are suddenly limiting redemptions, and what that says about liquidity risk. Plus, a warning on the growing wave of financial fraud targeting older and more affluent Americans, answers to listener questions on tax risk, fund fees, portfolio risk in retirement, and rental property decisions, and a look at where retirees are moving now as cost of living and taxes reshape the old retirement playbook.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle a question that hits differently when you’ve built real wealth: if the market dropped 20% tomorrow, what would you actually do? They walk through the emotional and mathematical realities of managing a $2–10 million portfolio, why risk tolerance and plan design don’t always align, and how shifting from accumulation to preservation changes everything. You’ll also hear strategies around sequence of returns risk, separating income streams from piles of money, and why diversification today may mean more than just a 60/40 portfolio.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the most expensive lies couples tell themselves about money—especially the dangerous comfort of saying “we’re fine” —and explain how a lack of communication around retirement timing, estate plans, and financial roles can cost families millions and fracture relationships. They also dig into why a single withdrawal rate like the traditional 4% rule isn’t enough, exploring sequence of returns risk, bucket strategies, flexible spending guardrails, and how small tweaks in Monte Carlo assumptions can dramatically change your plan’s success rate. Plus, Allworth’s in-house insurance expert, Jodee Deutsch, joins the show to discuss when life insurance shifts from simple protection to advanced estate and legacy planning, and how high-net-worth families can better align their wealth with their long-term goals.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the most expensive financial decisions often aren’t the ones you make — they’re the ones you avoid . They walk through real-life examples of high-net-worth families who delayed portfolio changes, tax planning, diversification, or retirement decisions, only to face bigger consequences later. The guys also break down why a “good investment” can still be a bad financial move if it increases concentration risk or limits liquidity, key questions to ask before retiring early, how to think about withdrawal strategies and portfolio drift, and one clear sign you may be overthinking your finances.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the financial decisions that feel boring or easy to postpone often have the biggest impact on long-term success. From overlooked beneficiary designations and withdrawal strategies to missed tax-planning windows and life risks that don’t show up in market charts, they explain how successful families can do everything “right” and still run into avoidable problems. The conversation highlights why planning for taxes, longevity, healthcare, control, and flexibility matters just as much as investment returns—especially as net worth grows—and how proactive, thoughtful decisions today can protect both your lifestyle and your legacy.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what true wealth in retirement really means, from aligning your spending with your values to making smart pension choices, planning for business succession, and tackling real listener questions about emergencies, uneven expenses, and estate duties.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why channeling Rip Van Winkle might be the smartest financial move you make this year, especially amid scary headlines about war, inflation, and market volatility. They walk through what would have happened if you had invested millions of dollars and then “slept” through some of the worst market moments in modern history—from the oil embargo and Black Monday to the tech bubble, the financial crisis, and COVID—and why in nearly every case, disciplined investors who stayed put woke up significantly wealthier.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the first five years of retirement can make or break even a $5 million portfolio. They break down sequence of returns risk, walk through real-world examples of how early market drops can permanently impact your plan, and share strategies like liquidity buckets and disciplined rebalancing to protect your future. Plus, common 401(k) mistakes successful investors make, how to prevent concentrated stock from quietly dominating your portfolio, what to do if your financial life is split across multiple advisors, and how to safeguard your finances if a spouse becomes cognitively impaired.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the stock market volatility tied to escalating tensions in the Middle East and the critical Strait of Hormuz, where roughly 20% of global oil flows, looking back at the 1973 OPEC oil embargo, stagflation, and how markets have historically responded to geopolitical shocks. They also cover State Farm’s historic $5 billion dividend payout to auto policyholders, Google’s bold move to issue a 100-year bond as a long-term AI confidence play, and the reality of potential Social Security benefit reductions in the early 2030s. Finally, they wrap with listener questions on adjusting stock allocations amid global conflict, calculating emergency cash when income fluctuates, and whether to lock in gains early in retirement or simply rebalance and stay disciplined.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the market reaction to escalating conflict in the Middle East and explain why, despite headlines that feel different every time, markets price expected earnings—not emotion. They walk through the psychological biases that can push even experienced, high-net-worth investors into costly mistakes and outline what would truly signal a structural market shift. Then, they uncover a hidden tax bomb that may be lurking in your brokerage account—especially if you hold highly appreciated ETFs or concentrated company stock—and share smart, multi-year strategies to manage capital gains before they manage you.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how investors should interpret the major geopolitical conflict unfolding in Iran and the broader Middle East. Allworth Chief Investment Officer Andy Stout joins the show to explain how markets are pricing in the uncertainty, why the Strait of Hormuz matters so much to global oil supply, and what a “worst-case” energy disruption could mean for inflation, Fed policy, and your portfolio.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask a powerful retirement question: if work vanished tomorrow and money wasn’t a concern, who would you be? They explore why affluent professionals often fear losing purpose more than running out of money, how identity and spending shift after retirement, and why “test-driving” your next chapter may be the smartest move you make. Plus, what Americans say they’ll do with their tax refunds — and why reality will likely say otherwise.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle a question that hits differently when you’ve built real wealth: if the market dropped 20% tomorrow, what would you actually do? They walk through the emotional and mathematical realities of managing a $2–10 million portfolio, why risk tolerance and plan design don’t always align, and how shifting from accumulation to preservation changes everything. You’ll also hear strategies around sequence of returns risk, separating income streams from piles of money, and why diversification today may mean more than just a 60/40 portfolio
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack why the rise of AI company Anthropic is moving markets—even though you can’t invest in it—and what that means for portfolios that may already be heavily exposed to tech. The conversation then shifts to retirement realities, including the often-underestimated cost of healthcare and the critical need to plan for cognitive decline before it becomes a crisis. They also highlight a troubling AI deepfake scam that cost an 82-year-old woman $200,000 and share practical steps to protect your family, while answering listener questions on Roth conversions, managing excess cash, and whether the AI boom is just another bubble in the making.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest Social Security shortfall projections and what they really mean for your retirement plan, discuss whether new hedge-fund-style ETFs add real diversification or just complexity, explore how to stay relevant in an AI-driven workplace, and answer listener questions on portfolio risk, diversification, and protecting your financial information in today’s digital world.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Supreme Court’s 6–3 ruling against a major part of President Trump’s global tariff strategy and what it means for the markets, the $133 billion already collected, and your portfolio, with insight from Allworth Chief Investment Officer Andy Stout in Cincinnati. They also dive into the growing push to add private equity to 401(k)s, the risks of over-optimizing your financial plan while ignoring big lifestyle decisions, listener questions on retirement income sustainability, inherited money anxiety, and exiting a business, and a controversial proposal to eliminate property taxes in Ohio — all with a focus on helping high-net-worth families tune out political noise and stay grounded in long-term fundamentals.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the $2 million retirement illusion — why that number used to mean financial independence, but today can leave some families feeling secure and others deeply uncertain. They explain how inflation, taxes, lifestyle creep, supporting adult children and aging parents, and market volatility all impact what $2 million can realistically generate, why spending is the biggest lever in retirement success, and how the way your assets are structured (pre-tax vs. Roth vs. taxable) can dramatically change your outcome.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why your cash hoard might be quietly costing you millions over time, even as the S&P 500 has delivered a 330% total return over the past decade with dividends reinvested. They break down the real risks of sitting on 15–30% in cash, why waiting for the “perfect” market pullback often backfires, and how to determine the right amount of liquidity within a comprehensive financial plan. Plus, smart strategies around tax extensions, Roth conversions before RMDs begin, concentrated stock positions, and the critical three-year runway before selling a business.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore a simple phrase that could mean the difference between financial freedom and struggle: “the sooner the better.” They unpack new data around Gen X’s looming retirement crisis and what it means to be the first generation largely retiring without pensions. Then, they dive into a compelling new study showing how saving—not spending—could be the true key to financial happiness. Plus, career expert Julie Bauke joins to dissect “the executive dilemma”—when a promotion might not actually be the best next move. Finally, Bob and Brian answer real listener questions on managing capital gains, tapping into dividends, and planning for long-term care.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the most expensive lies couples tell themselves about money—especially the dangerous comfort of saying “we’re fine” —and explain how a lack of communication around retirement timing, estate plans, and financial roles can cost families millions and fracture relationships. They also dig into why a single withdrawal rate like the traditional 4% rule isn’t enough, exploring sequence of returns risk, bucket strategies, flexible spending guardrails, and how small tweaks in Monte Carlo assumptions can dramatically change your plan’s success rate. Plus, Allworth’s in-house insurance expert, Jodee Deutsch, joins the show to discuss when life insurance shifts from simple protection to advanced estate and legacy planning, and how high-net-worth families can better align their wealth with their long-term goals.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what a stronger-than-expected jobs report could mean for Fed rate cuts and your portfolio, break down a potential Social Security tax surprise tied to retroactive benefit payments, examine the pros and cons of trendy “buffered” annuities tied to international markets, warn about gold and AI-driven Ponzi scams, and answer listener questions on retirement spending, Monte Carlo projections, and building tax-smart income flexibility.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the financial decisions that feel boring or easy to postpone often have the biggest impact on long-term success. From overlooked beneficiary designations and withdrawal strategies to missed tax-planning windows and life risks that don’t show up in market charts, they explain how successful families can do everything “right” and still run into avoidable problems. The conversation highlights why planning for taxes, longevity, healthcare, control, and flexibility matters just as much as investment returns—especially as net worth grows—and how proactive, thoughtful decisions today can protect both your lifestyle and your legacy.
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On this episode of Simply Money presented by Allworth Financial, Brian unpacks a major market milestone as the Dow crosses 50,000, with Allworth CIO Andy Stout explaining what disciplined investors should do amid AI-driven volatility, valuation concerns, and mixed economic signals. They also dig into Bitcoin’s sharp drop and rebound, discussing whether crypto belongs in a real financial plan, then shift to the highly emotional decision of downsizing your home — covering taxes, lifestyle tradeoffs, and common mistakes retirees make. The show wraps with a powerful look at how small choices today can dramatically shape retirement outcomes years down the road.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle the best—and worst—money advice you’re likely to hear at a Super Bowl party and explain why tips from “successful” friends, doctors, executives, or business owners can still lead you astray. They break down common myths like ditching bonds entirely, never selling company stock because of taxes, assuming your CPA is handling long-term planning, believing you’ll automatically be in a lower tax bracket in retirement, and thinking your kids will “figure it out” when they inherit your wealth. Along the way, they share smarter alternatives using tools like buffered ETFs, direct indexing, tax-loss harvesting, proactive tax planning, and intentional family conversations so party chatter doesn’t end up calling the plays in your real financial plan.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what the recent AI and Magnificent Seven pullback really means for investors, why volatility is normal when stocks are priced for perfection, and why diversification matters more than ever. They dig into the often-overlooked threat of rising healthcare costs in retirement, including Medicare premiums, IRMAA surcharges, HSAs, and Roth planning. They also break down where AI can help with financial decisions and where you still need a human in the room. The show answers listener questions on inherited IRAs, surprise capital gains in taxable mutual funds, and rebalancing during volatile markets, and closes with a candid look at financial secrecy in relationships and why transparency may be one of the smartest money moves you can make.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why many investors who feel diversified may be taking on far more risk than they realize, as a small group of mega-cap tech stocks now drive a disproportionate share of market returns. They explain how popular index and total market funds can quietly become concentrated, especially for investors nearing retirement, and why volatility hurts more when you’re transitioning from saving to spending. Bob and Brian also share practical ways to think about true diversification—looking beyond cap-weighted U.S. stocks to international equities, small-cap value, private investments, and buffered ETF strategies—so your portfolio supports your retirement lifestyle instead of putting it at risk.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down whether a strong January really sets the tone for the rest of the market. They explain why diversification is resurfacing as international stocks and small caps outperform, dig into why the world’s largest asset manager says bonds may no longer protect portfolios the way investors expect, and share smarter ways to manage risk and income in retirement, including shorter-duration bonds and buffered strategies. The show also tackles real planning decisions around selling appreciated investments, evaluating active managers, estate planning for blended families, and why proactive conversations around aging parents can prevent financial and emotional chaos later on.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore a surprising truth: being intelligent doesn’t protect you from making poor financial decisions. In fact, sometimes it makes things worse. They uncover the hidden forces—confirmation bias, inertia, overconfidence—that trip up even the savviest investors, especially those who’ve accumulated real wealth. Learn why building systems and seeking second opinions is essential if you’re in the $2-10 million net worth range. Plus, they examine the looming retirement fears of Generation X, including healthcare costs and long-term care.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why retirement today looks nothing like it did for previous generations. From skyrocketing healthcare costs and longer lifespans to new tax law changes and the growing complexity of managing large retirement accounts, they explore how to truly prepare for this new era. They explain why many retirees are still working—not out of necessity, but by choice—and why high-net-worth families need to be especially cautious about rollovers and planning for long-term care. Plus, how psychological hurdles might be the biggest retirement challenge of all.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into a major shakeup at the Federal Reserve as a new nominee emerges to potentially lead the Fed—and why that news sent shockwaves through gold, silver, crypto, and currency markets. Allworth Chief Investment Officer Andy Stout joins the show to break down what a Kevin Warsh–led Fed could mean for interest rates, the Fed’s massive balance sheet, and long-term investors trying to navigate volatility. The guys also tackle growing concerns about a potential “lost decade” for stock returns, what history tells us about flat markets, and how smart planning—not panic—helps protect your retirement. Plus, they explore when real estate becomes too much of a good thing, answer nuanced listener questions around taxes, trusts, and retirement income strategies, and close with a timely Groundhog Day reminder on why repeating the same financial habits can quietly hold you back
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Federal Reserve’s decision to hold interest rates steady and what it means for high-net-worth investors in 2026. They unpack the surprising drop in consumer confidence despite strong economic indicators, and analyze the growing risk of a government shutdown. Plus, how “Roaring Kitty” and the GameStop saga empowered retail investors – and what that could mean for your portfolio. The guys also answer listener questions on Roth conversions, skyrocketing RMDs, and managing early retirement health insurance. Finally, cybersecurity expert Dave Hatter joins to explain why your inbox might be the weakest link in your financial life.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian go inside the mind of the millionaire. They reveal why wealth isn’t just about what you invest in—it’s about how you think about money. From panic-selling to playing the long game, they break down how successful families approach risk differently. You’ll hear why a comprehensive financial plan beats a bucket of investments every time, how tools like direct indexing and tax-loss harvesting can turn market drops into opportunities, and why emotional decisions can cost you hundreds of thousands. Plus, a word of caution to Cincinnati investors holding too much company stock—yes, we’re talking about P&G.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what true wealth in retirement really means, from aligning your spending with your values to making smart pension choices, planning for business succession, and tackling real listener questions about emergencies, uneven expenses, and estate duties.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian share a critical warning for anyone working with a financial advisor—especially if you've never verified their credentials—by breaking down a shocking real-life fraud case and explaining how to protect yourself. They then explore whether gold deserves a place in every investor’s portfolio, offering a measured take that separates fear from smart planning. Next, they go on a “rescue mission” to uncover the risks of neglecting old 401(k) accounts—especially for high-net-worth individuals—and explain how to make them work harder for your retirement. The listener mailbag is full of smart questions, from whether to help your kids with a house down payment, to protecting your portfolio from a bad first year of retirement, to managing concentrated stock positions in a tax-smart way. The show wraps with a must-hear checklist for reviewing life insurance policies you may have forgotten about, and how those dollars could potentially serve a better purpose in your plan today.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into a question every successful saver eventually faces: Are you building the life you want—or just building a bigger balance sheet? They explore the “scoreboard syndrome” that drives high-net-worth individuals to keep chasing higher numbers without knowing why, and share real stories of clients with millions who hesitate to spend even small amounts on meaningful things. From financial perfectionism and lifestyle creep to the pressure of living someone else’s version of success, they challenge listeners to redefine wealth in terms of life satisfaction—not just dollars.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the seven most common financial lies we tell ourselves – from “I’ll be happy when I have more money” to “I’ll figure it out on my own.” These aren’t just small white lies; they’re deeply emotional narratives that can quietly sabotage your financial future. Whether you're navigating lifestyle creep, market timing fears, or generational silence around money, this episode helps you recognize these self-deceptions and replace them with smart, actionable advice. Plus, tips for protecting your finances through divorce, estate planning updates you might have missed, and the growing threat of elder cyber scams.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to handle your money when markets get rattled by tariff talk and headline hysteria. With President Trump stirring global conversations in Davos and fresh concerns over trade wars, unrest, and corporate profits, they revisit the fundamentals: staying invested, rebalancing, and using market volatility to your advantage. They also examine tax-loss harvesting, buffered ETFs, and how direct indexing can help high-net-worth investors stay ahead. Plus, a new report shows the average 50-something American now has a net worth over $1 million. But how did they get there—and does it even mean they're ready for retirement? Bob and Brian unpack the wealth-building habits that really matter and the next-level strategies for those with a higher net worth.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest tariff threats and why Greenland is suddenly the geopolitical flashpoint the markets didn’t ask for—but got anyway. They dive into whether a volatile global backdrop is reason enough to adjust your investment outlook. Then, they shift to a breakdown of today’s ETF landscape: from classic index funds to sector-specific plays, thematic bets, and buffered strategies—do you actually know what you own? They also explore whether new rules allowing 401(k) withdrawals for home down payments make financial sense and why mutual fund capital gains can mess with your cash flow planning. Plus, real estate expert Michelle Sloan joins the show to answer a common question: renovate or relocate? And as always, Bob and Brian take listener questions, offering Allworth insights on tax-efficient withdrawals, HSA strategy, and how to think smartly about Roth conversions.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the booming world of alternative investments—from gold and crypto to private equity and real estate. Is now the time to diversify beyond stocks and bonds? Plus, what big bank earnings tell us about the economy, what a Cincinnati real estate expert sees in 2026, and how to financially support aging parents without derailing your own retirement. And if you waited until now to think about your 2025 taxes—don’t worry, there’s still time.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle one of the most common mistakes they see this time of year: letting taxes dominate your investment decisions. With tax season officially beginning January 26th and a slightly restructured tax code, they explore how fear of the IRS can lead investors to stay paralyzed—often sitting on highly appreciated stocks or annuities simply because they don’t fully understand the tax implications. Plus, they reveal how 34 billionaires got it wrong when trying to predict the stock market in 2025.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack a surprisingly low inflation report and what 2.6% core inflation means for your money and the Fed’s next move. They break down JPMorgan’s solid earnings and what it signals for the economy and markets, especially for high-net-worth investors. Plus, the FIRE (Financially Independent Retire Early) movement is evolving—today’s version is less extreme and more realistic for families seeking balance and flexibility. Listener questions cover messy retirement cash flow, how to define real portfolio resilience, and whether an LLC is a smart move for vacation property owners.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian talk with Allworth's Chief Investment Officer Andy Stout about why markets could get noisy this week—and what that means for high-net-worth investors. They also break down smart money moves to consider in 2026, including new retirement contribution limits and tax strategy shifts. Plus, they explore whether artificial intelligence stocks are entering bubble territory and answer your real-life money questions—like what to do if you missed your RMD and how to handle solo 401(k)s with a side hustle.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into a critical question: What does real financial success look like in 2026? It's not just about the size of your portfolio—it's about liquidity, confidence in your cash flow, simplicity, and the freedom to live on your own terms. They explore why being "rich on paper" might not mean flexibility in real life and how to prepare for future uncertainty without stress. Plus, a stark reminder of why organizing your financial life is a gift to your family, not just yourself. Also in this episode: why many retirees spend more, not less, in the early years of retirement—and how to plan for it. And the latest scams you need to watch for, from fantasy football betting to passport rip-offs. Bob and Brian wrap things up by answering your questions about concentrated tech stocks, charitable trusts, and how to avoid family battles over your estate.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal why your retirement plan may no longer match your reality—especially after three strong years in the market and inflation sticking around 3%. Then, the millionaire’s income problem: building wealth was the easy part—how you draw it down could make or break your retirement. The guys dig into Roth ladders, tax-smart income planning, and whether muni bonds or dividend portfolios really make sense at your tax bracket. Also tonight: Why your Social Security claiming strategy isn’t “set it and forget it,” how illiquid real estate could wreck your retirement flexibility, and the honest conversation every couple needs to have: “What happens if I die first?” Plus, practical tips on modernizing inherited investments, stress-testing DIY portfolios, and whether retiring overseas is really the dream—or a future headache.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian kick off the new year with the January Financial Stress Test: can your plan weather the unpredictability of 2026? With midterm elections looming, potential interest rate reversals, and market volatility ahead, they explore how to bulletproof your investments with strategies like bond duration diversification, buffered ETFs, and Monte Carlo simulations. Plus, they dive into the realities of long-term care insurance and what most investors miss. They also tackle your listener questions on Roth conversions, RMD strategies, and the best way to unwind concentrated stock positions. Finally, a lighthearted but eye-opening look at how eating out could silently devour your retirement nest egg.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal why January is the most strategic money month of the year. From harvesting capital gains and revisiting direct indexing strategies to maximizing donor-advised funds and managing idle cash, they break down the smartest financial moves you can make right now. Plus, they discuss why a bigger tax refund isn't necessarily a good thing, how poor timing can erode your investment returns, and how to prepare emotionally and financially for long-term care decisions. Later, they answer listener questions about tax alpha, inherited IRAs, and consolidating retirement accounts.
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On this episode of Simply Money presented by Allworth Financial, Bob, Brian, and Allworth Chief Investment Officer Andy Stout dig into what the economy and the markets might hold in 2026. Plus, Bob and Brian dive into the cognitive and health risks of retiring too early, the financial tune-ups every empty nester should consider, and why having five advisors isn’t a financial strategy—it’s a coordination problem. Real-life stories, real retirement challenges, and advice that high-net-worth families won’t want to miss.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal the four hidden forces that influence every major financial decision — even for the most seasoned, high-net-worth investors. Whether it's fear, guilt, social pressure, or family history, these emotional undercurrents can derail smart planning. Hear real-life stories, and learn how to spot and navigate the subconscious drivers behind your financial choices. Plus, what to do when a dinner table conversation exposes a blind spot in your plan, how to protect your wealth through a divorce, and the most common mistakes multi-millionaires are still making.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional notion of retirement. Is it really about never working again? Or is the real dream having the freedom to work on your terms? They dig into why more high-net-worth families are choosing “financial flexibility” over full retirement, how to plan for that transition, and the hidden tax advantages that can make it work. Plus, the emotional—and often overlooked—decision to downsize your home, why clinging to old investments could hurt your future, and how a “retirement time machine” approach can help you make smarter money moves today.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore a simple phrase that could mean the difference between financial freedom and struggle: “the sooner the better.” They unpack new data around Gen X’s looming retirement crisis and what it means to be the first generation largely retiring without pensions. Then, they dive into a compelling new study showing how saving—not spending—could be the true key to financial happiness. Plus, career expert Julie Bauke joins to dissect “the executive dilemma”—when a promotion might not actually be the best next move. Finally, Bob and Brian answer real listener questions on managing capital gains, tapping into dividends, and planning for long-term care.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian take a deep dive into what really happened in 2025 — and why the investing fundamentals they shared all year long held up once again. From President Trump’s return and a new wave of tariffs, to a Federal Reserve caught between inflation and politics, to a stock market rally that rewarded patient investors — they told you what to expect, and they were right. Hear what mattered most, what moved the markets, and what lessons investors should take into 2026. Plus, the rise of real financial resolutions, how to measure if your money actually did its job this year, and your smart money questions answered.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down one of the biggest misconceptions in investing: risk. What most people think is risk—market ups and downs—is actually just volatility. The real risk? Overspending your retirement, missing out on growth, or playing it too safe. Bob and Brian walk through the critical differences, offer real-life examples with hard math, and explain how a misread on risk can jeopardize your long-term wealth. Plus, they share insights on stock market bubbles, lessons from the Vanderbilt family's fall from fortune, and whether Roth conversions make sense when you don’t need the money yet.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian uncover the #1 mistake even successful savers and investors make: accumulating assets without a real strategy. They dig into what it means to truly have a plan — from organizing scattered accounts, to transitioning from mutual funds to tax-efficient ETFs, and dealing with concentrated stock positions using tools like direct indexing, exchange funds, and collars. Plus, they break down how buffered ETFs can provide downside protection when the market turns, how to avoid overspending in the first 10 years of retirement, and why automated investing might fail you after age 60. Finally, a five-minute task that could save you from financial fraud: how and why to freeze your credit today.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian take a deep dive into the surprising ways your brain might be sabotaging your financial future. From action bias and overconfidence to herd mentality and confirmation bias, they reveal how emotional traps become even more dangerous the larger your retirement nest egg grows. You’ll also hear how childhood money lessons still influence your decisions today—whether you realize it or not. Plus, the guys break down why FOMO and a desire to “do something” can upend a perfectly good financial plan, and how the best value a financial advisor provides may not be what you think.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian expose the hidden financial risks that even financially comfortable families often overlook — like gaps in liability protection, cyber threats, and uncoordinated estate plans. They unpack why an umbrella insurance policy is a must-have, especially if your net worth has made you a target. Then, are your investments really diversified — or just duplicated? They dig into how overlapping holdings in your accounts could leave you vulnerable in a downturn, and what true diversification actually looks like.
Plus, they tackle the emotional side of money: how to fireproof your finances from family drama, whether it's sibling tensions over a family business or preparing for generational wealth transfer. And for anyone with too much company stock, they explore smart, tax-efficient ways to unwind concentrated positions and protect your portfolio from unnecessary risk.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth’s Chief Investment Officer Andy Stout to unpack why the latest inflation report might not be as positive as it seemed — including how a government shutdown may have warped the data. Plus, what the SEC just approved that could revolutionize how traditional investments are processed, and how Robinhood’s latest move blurs the line between gambling and investing. Later, the guys dig into the generational divide on fixing Social Security and answer your smart money questions — from multi-account withdrawal strategies to understanding bond fund risk.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore the hidden financial traps even the smartest, wealthiest investors fall into—often because of their own brains. From overconfidence and loss aversion to chasing performance and underestimating taxes, the co-hosts share real-life stories of multimillionaires who made emotional missteps that cost them dearly. They break down how even savvy executives, business owners, and retirement-ready couples can unintentionally sabotage long-term success. Learn how to protect yourself with smart strategies like automated rebalancing, bucket strategies, asset location, and avoiding costly tax surprises.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a surprisingly tame inflation report that has Wall Street (and maybe the Fed) rethinking the pace of rate cuts in 2026. But don’t get too comfortable—there are warning signs in the job market that suggest the economy is cooling, not roaring. The guys explain what it all means for interest rates, your mortgage, and long-term investing strategies. Later in the show, they dive into the delicate family dynamics that can erupt when estate plans aren’t clearly communicated—think unequal inheritances, caregiver credit, and vacation home squabbles. Plus, real estate expert Michelle Sloan joins the show to walk through the pros and cons of downsizing into a condo versus staying in a traditional home. And in the Simply Money mailbag: when do alternative investments make sense, how to coordinate charitable giving without triggering higher Medicare premiums, and why your IRA investments shouldn’t change just because you plan to leave money to charity. Finally, in Brian’s Bottom Line, a financial planning playbook for high-net-worth investors in a slowing economy: diversification, liquidity, tax efficiency, and more.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore a simple phrase that could mean the difference between financial freedom and struggle: “the sooner the better.” They unpack new data around Gen X’s looming retirement crisis and what it means to be the first generation largely retiring without pensions. Then, they dive into a compelling new study showing how saving—not spending—could be the true key to financial happiness. Plus, career expert Julie Bauke joins to dissect “the executive dilemma”—when a promotion might not actually be the best next move. Finally, Bob and Brian answer real listener questions on managing capital gains, tapping into dividends, and planning for long-term care.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore whether we’re living through another tech bubble — this time fueled by artificial intelligence. Is the massive investment in AI setting us up for a painful correction in 2026? They dig into market concentration, inflated valuations, and why companies like Nvidia, Oracle, and OpenAI are raising red flags for some investors. You’ll also hear why now is a smart time to rebalance your portfolio — but not the old way — and how high-net-worth investors are using buffered ETFs and direct indexing to level up their financial strategy. Plus, estate planning mistakes that can cost your heirs big time, and real answers in the Ask the Advisor segment — from embedded portfolio risk to downsizing dilemmas.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the smartest money on Wall Street is bracing for volatility in 2026 — and why you should be too. With midterm elections looming, sticky inflation, and unpredictable earnings, investors with millions in the market need to prepare for a rockier road ahead. They outline what a “happy but exposed” growth investor should be doing right now to manage risk (especially if you're tech-heavy), and why “underperforming diversifiers” shouldn’t panic — but might need to rethink their strategy. From buffered ETFs to rebalancing to international exposure, hear what tweaks can help your portfolio thrive, not just survive. Plus, the surprising mindset trap that could leave you vulnerable next year — and the one guarantee Brian is willing to make about the markets.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by a very special guest: Dr. Loretta Mester, former President of the Federal Reserve Bank of Cleveland and one of the most influential voices in monetary policy. Alongside Allworth's Chief Investment Officer Andy Stout, the team gets Dr. Mester’s exclusive insight on the Fed’s recent rate cut, where inflation is really headed, and what she sees for the economy in 2026. Plus, she pulls back the curtain on what it’s actually like inside a divided Fed when key policy decisions are being made. Later, Bob and Brian break down why your once-smart financial tools—like whole life insurance, muni bonds, or annuities—could now be holding you back. And, could 12-year-olds be the next big investors? They explore a surprising trend among today’s youngest market participants.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Fed's latest interest rate cut—what it means for mortgages, savings rates, and why younger homebuyers may still feel squeezed. Then, they dive into a critical end-of-year financial planning reminder: take your required minimum distributions (RMDs) by December 31st or risk a 25% IRS penalty. They also tackle a headline-grabbing claim that passive investing is “worse than Marxism” and explain what’s really at stake for your portfolio. Plus, the Better Business Bureau joins to spotlight the biggest holiday scams of 2025, and the guys answer listener questions about tax alpha, benchmarks, and how to unwind capital gains the smart way.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian uncover the crucial differences between financial advisors who are just going through the motions and those truly playing offense—actively helping high-net-worth clients reduce taxes, build legacy plans, and take control of their financial futures. Learn the red flags that suggest your advisor may be stuck in the past and the proactive strategies—like Roth conversions and tax-efficient income planning—that can dramatically improve your long-term outcomes. Plus, find out what Vanguard is doing that could make your 401(k) feel more like a pension, when it makes sense to start financially helping your kids now, and how to plan your estate beyond just taxes and probate. It’s a jam-packed show for anyone who wants to stay sharp and plan smarter.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth CIO Andy Stout to preview the Federal Reserve’s final meeting of the year. With a rate cut all but guaranteed, what really matters is how Jerome Powell sets expectations for early 2026—and how a divided Fed committee might shape the path ahead. Andy unpacks what high-net-worth investors need to watch in the upcoming dot plot and why rebalancing your portfolio now could be crucial. Then, Bob and Brian dig into why more than 70% of millionaires don’t feel wealthy—and how to shift your mindset (and your plan) to regain confidence. They also reveal the three costly financial gaps that can hit if you retire before 65. And in the listener mailbag: mutual funds vs. ETFs in retirement accounts, understanding real bond yields, and how to handle today’s top-heavy S&P 500.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal what wealthy families are doing in December that most people completely overlook. While many go into coast mode during the holidays, high-net-worth individuals are making smart year-end moves—rebalancing their portfolios, harvesting tax losses (and gains), and donating appreciated assets through donor-advised funds.
They’ll also explain why December is the perfect time to talk to your kids about your estate plan, how to take advantage of qualified charitable distributions from your IRA if you're over age 70½, and how to gift money to your family now—completely tax-free. Plus, they tie it all together with a powerful message about using the holidays to pass on your values, not just your wealth.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian introduce the “financial freedom test drive”—a bold way to rehearse retirement before you take the plunge. Learn why trying out your withdrawal strategy and lifestyle early could save you from major surprises later. Then, they tackle the “millionaire’s income problem,” where pulling money out of your portfolio the wrong way can cost you in taxes, Medicare premiums, and peace of mind.
They’ll cover Roth conversion ladders, municipal bonds, rental income strategies, and real-world withdrawal tactics for people with significant assets. Plus, the guys share the uncomfortable but crucial conversation every couple should have: “What happens if I die first?” And finally, they break down the dream—and reality—of retiring overseas. From taxes to healthcare to missing Elder football games, this episode is packed with practical insight for high-net-worth families preparing for the next chapter.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask a powerful question: Are you just building wealth, or are you building a life? They explore the concept of "Return on Life" — and how many successful, high-net-worth families struggle to shift from accumulation to enjoyment. Through real stories and actionable advice, they help you confront financial fear, lifestyle paralysis, and the emotional habits that could be holding you back from a meaningful retirement. Plus, the surprising move from Vanguard that could bring crypto into the mainstream, a snapshot of the Cincinnati housing market, and how to plan around Medicare’s IRMAA surcharges.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal a stunning stat: just two companies—Alphabet and Nvidia—are responsible for a third of the S&P 500’s returns this year. If you think you’re diversified just because you own an index fund, think again. They dive into the historical precedent for today’s market concentration, the real risks of overexposure to big tech, and what smart investors should consider instead—including equal-weight ETFs, buffered products, and direct indexing.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian dive into the latest economic data with Allworth’s Chief Investment Officer Andy Stout — who explains why the Fed might be flying blind without key data and what that means for interest rates, inflation, and your investments. Plus, find out why a growing number of AI tools are managing portfolios — and whether that's a smart move or a costly mistake, especially for high-net-worth investors. The guys also explore how Baby Boomers amassed $85 trillion in wealth and the critical financial lessons younger generations need to hear. And, what do you do when your spouse wants to gamble on individual stocks — and you don’t? They’ll tackle portfolio complexity, tax inefficiency, and the rising trend of adult kids moving back in with Mom and Dad.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what most investors misunderstand about “risk” — and how that confusion could cost you more than any market drop ever will. They explore the real definition of risk, why sitting in cash might be riskier than you think, and how to create a retirement plan that accounts for volatility without derailing your future. Plus, hear why stock market bubbles might not be all bad (if you’re prepared), and what the Vanderbilt family can teach you about preserving wealth for generations. Later, in Ask the Advisor, they answer your questions about Roth conversions, gifting to children, charitable giving, and what to do with a large cash windfall. And in Brian’s Bottom Line, the essential estate planning move everyone should double-check today.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional idea of retirement by asking: what if financial freedom isn’t about quitting work forever, but having the power to choose how you work, when, and with whom? They dive into the growing trend of financial flexibility and how high-net-worth individuals are redefining their retirement goals. From part-time consulting at GE to opening woodshops or working at Costco for healthcare, the conversation covers how purpose, planning, and portfolio management play a role in these transitions. Plus, they explain how to fund this lifestyle shift with smarter income strategies, tax diversification, and tools like the Rule of 55. Later in the show, they explore why clinging to outdated investments might be holding your financial plan back, how to think differently about downsizing your home, and why your future success often comes down to basic math.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian dive into the four hidden forces that subtly guide every high-stakes financial decision—especially for those with significant wealth. From emotional hang-ups and generational money mindsets to the quiet pressures of social comparison and analysis paralysis, the guys break down how even the most financially savvy families can be influenced in ways that spreadsheets can’t predict. Plus, they tackle the biggest financial mistakes successful investors admit to behind closed doors, reveal how divorce can wreck your retirement plan if you're not careful, and answer listener questions on annuities, private credit, and more.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian put on their “tough teacher hats” to deliver some advice you may not want to hear, but absolutely need to hear. Just because you’ve saved $2 million, $3 million, or even $5 million doesn’t mean you’re automatically set for life. Their lessons cover why retirement isn’t a vacation but a paycheck replacement plan, why your kids don’t need another check but a financial strategy, how treating your portfolio like a casino can wreck decades of hard work, and why taxes could cost you more than your house. Plus, they dive into the real spending patterns of retirees, scams targeting families, and listener questions on concentrated tech stock, charitable remainder trusts, and how to plan for estate taxes on illiquid assets like real estate.
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On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian dig into why more countries are pushing retirement later—and what that signals for your financial future. You’ve built a nest egg, maybe refinanced your home, maxed out your retirement accounts… but have you thought about when to retire? With governments around the globe delaying official retirement ages, is longevity becoming your most important asset? Bob and Brian break it all down, including whether this global trend should influence your own retirement timeline.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the most common money mistakes they're still seeing in 2025 — and why even high-net-worth investors continue to fall into these traps. From chasing returns and emotional investing to poor tax planning, ill-advised Roth conversions, and overexposure to tech stocks, this conversation is packed with real-world examples and actionable takeaways. Whether it’s misunderstanding alternative investments or failing to build a retirement withdrawal strategy, these errors could cost you big. Learn how to avoid becoming a cautionary tale — and what it really means to have a financial plan versus just a portfolio.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian discuss how strong market performance in 2025 can actually lead to costly investor mistakes—if you're not careful. They unpack the concept of "portfolio drift," why it could mean you're taking on more risk than intended, and why now might be the right time to rebalance. They also walk through smart year-end tax strategies, from tax-loss harvesting to donor-advised funds. Plus, new tax breaks for retirees, a potential hit for high earners over 50, and how to protect yourself from scams hitting Cincinnati inboxes this holiday season. Finally, why patience may be the most underrated investment strategy of them all.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the true art of asset location—why it’s not just about what you invest in, but where you hold those investments. They walk through real-life scenarios for high-net-worth investors, explaining how to use pre-tax, Roth, and taxable accounts to build smarter, tax-savvy portfolios. Then, a surprising move from tech giants: Amazon, Alphabet, and Meta are flooding the market with corporate bonds. Why now? And what does that mean for income-focused investors?
Plus, career expert Julie Bauke joins the show to unpack the “Executive Dilemma”—when to stay, when to jump, and how to evaluate your next big move. Also: tech-heavy indexes, the rise of private credit, and what to do with a lump sum after selling a rental property. And Brian's surprising take on the gig economy.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask the question every long-term investor should be thinking about right now: while the headlines fixate on the Fed, are we focusing on the wrong thing? Plus, what a major move involving a Cincinnati-based company can teach us about handling company stock. Career expert Julie Bauke also joins to explain why helping your kids prepare for a career has never been more complicated—and what really matters in an AI-driven world. And don’t miss answers to your biggest financial questions, from capital gains strategy to whether ETFs really beat mutual funds in a taxable account.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask: What happens when the Federal Reserve is flying blind? With key October data potentially lost due to the government shutdown, Allworth CIO Andy Stout weighs in on what that means for rate decisions and market volatility heading into 2026. Plus, they walk you through the brand-new retirement contribution limits, the blind spots in portfolios of high-net-worth investors, and whether it’s time to rethink dividend reinvestments and lump sum investing. Finally, what to do with that year-end bonus before it disappears on a new iPhone.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian lay out a smart, rapid-fire checklist of year-end money moves to trim your tax bill, boost your wealth strategy, and set yourself up for a strong 2026. From maximizing retirement contributions and handling required minimum distributions to strategic charitable giving and capital gains planning, they’ve got your December 31st deadline covered. They’ll also walk through smart uses for HSAs and FSAs, how to manage equity comp surprises, and why now is the time for business owners to button things up. And don’t miss the tips on tax-smart family gifting and checking your account beneficiaries—small things that make a big impact. This is a packed segment for anyone serious about making their money work smarter as the year winds down.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into Goldman Sachs’ bold prediction that the S&P 500 will hit 7,600 by 2026. But does this forecast actually mean anything for your financial plan? They explain why making decisions based on Wall Street predictions could derail your long-term goals. Plus, hear how high-net-worth investors can use strategies like direct indexing and buffered ETFs to protect against taxes and inflation. They also break down the looming tax impact of mutual fund capital gains distributions, how new credit card rules might hit your rewards, and why using your vacation days might be just as financially important as your investment decisions.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian dive into the all-too-common portfolio "Frankenstein"—a scattered mix of accounts with zero strategy. They lay out the fixes, from consolidation to coordinated tax planning. They also explore how too much cash can drag down your returns, when DIY investing becomes an SOS moment, and how overlooked tax traps silently siphon wealth. Plus, they tackle 50-year mortgages, blurred lines between investing and gambling, and how Google profits from your personal data—along with how to push back.
From ETF overlap and buffered products to tax-efficient investing strategies for high-net-worth households, it’s a jam-packed episode full of insight.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore how your financial plan should stay steady even when the economy doesn’t follow the script. From the double-digit interest rates of the 1980s to the AI-fueled market surge of 2023–24, they unpack the mixed signals investors have faced over the last 40 years—and what you can learn from the surprises. They also dive into how innovations from State Street could reshape your 401(k), how to make smart open enrollment choices, and real-life listener questions about supporting aging parents and adult kids, selling a business, managing inconsistent income, and dealing with old annuities.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian talk with Allworth Chief Investment Officer Andy Stout about what reopening the government would mean for data flow, how rising household debt is sending mixed signals, and why cracks are showing in the labor market. Plus, why smaller companies are shedding jobs while big corporations are hiring, and how AI might be playing a surprising role.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore the hidden ways that wealth buys freedom—and where it absolutely doesn’t. From buying back your time to avoiding toxic environments, high-net-worth families are realizing the true value of their money isn’t just growth… it’s liberation. But what about the stress, mental clutter, and family drama that even millions can’t solve? Bob and Brian dig deep into why peace of mind takes more than a fat investment account. Plus, a $32 trillion shift toward alternative investments, and why the IRS might love your mutual fund more than you do. They’ll also tackle your toughest money questions on early retirement, Roth conversions, and how to find meaning after a business sale. And finally, are you planning better for your pet than your kids? The guys have thoughts.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian pull up a booth at your favorite Saturday morning diner—where three strangers each worth around $3 million reveal just how wildly different financial lives can look. Meet Jim, a newly retired corporate lifer trying to make his nest egg last; Maria, a successful business owner staring down a big liquidity event; and Chris, a laid-back heir with a taste for risky bets. Despite similar net worths, their challenges—and mindsets—couldn't be more different.
The guys break down three key financial stressors: market headlines, long-term care fears, and major downturns—and how each person reacts. From Roth conversions and tax planning to installment sales and speculative investing, this episode is packed with real-world examples of why your wealth story needs its own unique plan.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian dive deep into the AI investment craze that’s dominating headlines. Are we too late to cash in? Or is this just the beginning of a new economic era? They break down the hype, the risks, and the smarter way to invest—without trying to pick a winner. Plus, why international investing may deserve another look, a fresh update on the real estate market, and how to break out of financial decision paralysis. Finally, your listener questions on giving, planning, and the fear of running out—even when you have enough.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle one of the biggest fears for investors—putting money into the market when it’s at all-time highs. If you're sitting on cash from a business sale, inheritance, or disciplined saving, and waiting for a pullback, you may be doing more harm than good. They break down historical data showing why investing a lump sum typically beats dollar-cost averaging and why market highs are more normal than you think. Plus, a deep dive into the lawsuit against Pacific Life involving indexed universal life insurance, career plateau advice with Julie Bauke, and a cautionary tale about meme stocks. Finally, practical, simple year-end tax planning tips you can act on right now.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian dive into a temporary trade truce between the U.S. and China and what it means for investors. Plus, I Bonds are back in the spotlight—should you care? And Netflix announces a 10-for-1 stock split: is it a smart buy or just smoke and mirrors? Later, they explore the real costs—and surprises—of downsizing your home in retirement, discuss behavioral investing blind spots that could derail your financial plan, and uncover a little-known Social Security benefit for parents over 62 raising children under 18.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal how some of today’s trillion-dollar giants—like Nvidia—quietly grew from obscurity to dominance, and how your diversified portfolio might have benefited all along. From Nvidia's 9-cent stock price in 2002 to its $200+ valuation today, this is a masterclass in patient investing and the power of diversification.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian welcome former Cleveland Fed President Dr. Loretta Mester for a rare insider’s view into how interest rate decisions are made, why 2% inflation remains so elusive, and how the Fed stays focused amid political noise. She also recounts navigating the economy through COVID and shares what makes Ohio’s economy uniquely resilient.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest Fed interest rate cut and what it means for your portfolio, borrowing costs, and the broader economy. They also spotlight Apple’s record-setting $4 trillion valuation, why it matters for your investments, and the behind-the-scenes changes happening in the S&P 500. Then, cybersecurity expert Dave Hatter joins the show to explain why elder scams are becoming a full-blown financial emergency—and how you can protect your family. Finally, the team answers your questions about backdoor Roths, mutual funds in taxable accounts, and how to think about refinancing in today’s rate environment.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore the real-life signs that you may be the perfect fit for advanced financial planning — the kind that goes far beyond basic investment advice. From pre-retirees with complex portfolios to retired couples blindsided by unexpected tax bills, small business owners nearing a sale, and even widowed spouses navigating new financial responsibilities — this episode breaks down why the right planning strategy is less about how much money you have and more about the life decisions you face.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why riding recent market highs could lead to costly mistakes—and what to do instead. They share year-end tax strategies, rebalance tips, and the smart way to donate appreciated stock. Plus, should annuities be the default in your 401(k)? A high-income caller gets expert advice on the Roth vs. pre-tax debate—and learns about a powerful savings tool few people know. And don’t miss the hidden retirement “sweet spot” that could save you big on taxes.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore how Cincinnati’s corporate powerhouses like GE Aerospace, Kroger, P&G, and Fifth Third Bank don’t just shape our city—they could be shaping your portfolio, too. They share the hidden risks of having too much exposure to one company and how to protect your nest egg while staying loyal. Then, the duo tackles one of the biggest and most costly investing mistakes: putting the right investments in the wrong types of accounts. Plus, cyber expert Dave Hatter joins the show to explain how a recent Amazon Web Services outage exposed a new kind of financial risk: third-party vulnerability. And finally, your questions about conflicting risk tolerances in marriage, aligning your financial "team," shifting from growth to income, and building a plan when self-employed.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the myth of the "magic number" in retirement planning. Just because you've hit $2 million or even $5 million doesn’t mean your future is locked in. Plus, hear stories of high-net-worth individuals navigating the pitfalls of poorly structured wealth. Later, they discuss new research showing that early retirement might actually shorten your life, how to use your empty nest phase for a financial makeover, and whether it’s possible to be too diversified. Finally, as always, Bob and Brian take on real listener questions—from restricted stock units to the right time to downsize.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian talk with Allworth Chief Investment Officer Andy Stout about growing concerns in private credit—and whether investors should brace for more. They also dig into the rise of stock-heavy 401(k)s and what that means for your retirement strategy. Plus, why even wealthy savers may be missing the mark on retirement readiness, and answers to real listener questions on spending confidently, smart use of life insurance, and managing large capital gains.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask, “What’s the damage?”—diving into the subtle, often overlooked financial mistakes that can cost high-net-worth investors tens or even hundreds of thousands of dollars over time. From concentrated stock risk to missed Roth conversion opportunities during market downturns, they break down real-dollar examples that show how even seasoned investors can unknowingly sabotage their financial future.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the recent crypto flash crash that wiped out billions in minutes—what caused it, and what it means for your money. Then, they explore the psychology behind checking your portfolio balance too often. Cybersecurity expert Dave Hatter joins to explain how an outdated home router could be the weak link in your financial safety net. Plus, Bob and Brian answer listener questions about partial retirement planning, whether index investors are missing out, and smart uses for home equity. They also tackle whether that $700 premium credit card in your wallet is still worth it.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what Fed Chair Powell’s latest comments mean for rates, inflation, and your money. They also dig into the 2026 tax brackets, smart Roth conversion moves, and the truth about “tax-free” Social Security.Plus, the guys answer listener questions on trusts, risk, and estate updates. Finally, Brian wraps with key year-end tax strategies to protect your wealth.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian celebrate the third birthday of the latest bull market — and reflect on what an 85% rise in the S&P 500 since 2022 really teaches long-term investors. Then, they explore a hidden risk for high-net-worth investors: complacency. When your wealth grows, it’s easy to think it’ll manage itself. Bob and Brian share how rebalancing, tax strategies, and proactive planning can keep success from turning into vulnerability. Plus, the team answers your most pressing financial questions about Roth IRAs, 5% CDs, and more.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian talk with Allworth’s Chief Investment Officer Andy Stout about what caused Friday’s market sell-off — from tariff saber-rattling to China’s rare earth restrictions — and why none of it is truly “new.” Andy shares what to watch in the week ahead, including CPI data, earnings season, and a government shutdown. Plus, why separate portfolios in marriage might help or hurt your financial future, the behavioral traps of sudden wealth, and what to know before betting on Wall Street’s latest game: prediction markets.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian James reveal how trillions in family wealth could quietly end up with the IRS instead of your heirs. They explain why a will isn’t enough, how advanced estate planning tools like trusts and gifting strategies can protect your legacy, and why communication among family members matters just as much as the money.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian warn against the “paper wealth trap” — mistaking market highs for lasting financial security. They break down how to turn temporary gains into durable wealth with proper liquidity, diversification, and planning. You’ll also hear why buffered ETFs are drawing billions from investors — and when they actually make sense. Plus, real estate pro Michelle Sloan joins to weigh in on the age-old question: rent or buy? And in ‘Ask the Advisor’ — smart moves for deferred comp plans, protecting company stock, and selling rental properties tax-smartly.
On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian explain why your emergency fund might be the most powerful part of your financial plan — no matter your net worth. Then, learn how to keep the IRS from eating away at your stock gains with smart cost-basis and timing strategies. Plus, Better Business Bureau President Jocile Ehrlich warns about new scams — from fake tax refund texts to “ghost tapping” card thefts — and the guys tackles deferred comp plans, 1031 exchanges, and early retirement withdrawals.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into the ongoing government shutdown and the financial ripple effects it could cause. Then, they expose the four-letter word quietly eating away at your wealth and how to make sure you’re actually getting value for what you pay. Plus, real estate expert Michelle Sloan shares whether Cincinnati’s housing market is cooling or heating up, and the guys tackle your money questions on early retirement, second homes, and gifting to your kids.
On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian discuss the government shutdown, and dive into how diversification in the S&P 500 is quietly making a comeback as the so-called "Magnificent Seven" lose steam. Then, they explore how two families with the same wealth can have totally different outcomes—because of planning. Plus, your questions answered: structured notes, gold as a safe haven, and how to make tax-loss harvesting work for you.
On this episode of Simply Money presented by Allworth Financial, Bob andBrian bust some of the biggest money myths that could sink your financial future — from “I’ll just work forever” to “downsizing my house will give me a windfall” to “Medicare will cover long-term care.” They’ll explain why these assumptions can derail even the best-laid retirement plans and how to replace wishful thinking with solid math. Plus, are we already in an AI bubble, and why investors aren’t panicking yet? And as always, they’ll answer your questions about RMDs, Medicare premiums, direct indexing, buffered ETFs, tax planning, and more.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian tear into the latest batch of financial fear-mongering—those breathless headlines about shutdowns, gold spikes, Bitcoin surges, and the so-called "Wall Street fear index." They explain why these narratives often lack critical context and what really moves markets long term. Plus, they tackle open enrollment with smart, high-net-worth strategies for your healthcare, insurance, and retirement benefits. Thinking of selling a stock? Bob and Brian cover when to pull the trigger—and when not to. And a surprising look at how many parents are still financially supporting adult children, potentially at the cost of their own retirement goals.
On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian explain why most of the government keeps running during a shutdown—and why investors shouldn’t panic. Plus, wealthy Americans are giving less to charity. We unpack the reasons and show you smarter ways to give using donor-advised funds and IRAs. And—what’s the best financial advice people ignore? We share the simple strategies that too many high-net-worth families overlook. Also: answers to your biggest money questions—from stock options and Roth conversions to creating flexibility with your 401(k).
On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the “smart-sounding” money advice that can quietly sabotage your future—from skipping Roth conversions and “going broke safely” in cash, to one-fund DIY investing without a plan, estate-planning myths that lead to probate messes, and being sold permanent life insurance instead of building a tax-smart strategy. They also dig into FINRA’s move to loosen the Pattern Day Trader rule, what record-setting stock buybacks really signal (and what to watch beyond P/Es), and career expert Julie Bauke joins to help you decide whether to retire, go part-time, or test-drive your next chapter. In Ask the Advisor, they tackle oversized RMDs, executor pitfalls with business interests, smarter stock-option exercises, and whether to migrate from mutual funds to ETFs or direct indexing.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack why the Fed’s preferred inflation gauge (core PCE) near 3% and surprisingly strong GDP make additional rate cuts tricky. They challenge one-size-fits-all Roth conversions—“pay taxes when you’ll pay less”—and mark 50 years of index funds, noting both their low-cost power and today’s concentration risks. Plus: listener questions on backdoor Roths, consolidating old 401(k)s, mortgage payoff vs. investing, and family LLCs. And a PSA from Kevin Durant’s locked Coinbase account: safeguard your passwords.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack four hidden forces that quietly drive high-stakes money choices—even when the spreadsheet says “go.” They share real “financial confessions” from successful investors, outline costly divorce mistakes, and tackle a rapid-fire Ask the Advisor on wash sales, annuities, private credit, and the #1 mistake for households with a few million saved.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why inflation and interest-rate cycles look scarier in headlines than they are for long-term investors—zooming out from Volcker to near-zero rates to today to show how markets normalize. They turn that history into action: how to position cash and bonds as rates shift, match time horizons to risk, and avoid headline chasing. Plus, the Social Security number that really matters (your FRA), a candid long-term-care playbook (insurance vs. self-funding and family coordination), and Ask the Advisor on LTC costs, cyber fraud basics, trusts vs. PODs, and Roth vs. pre-tax 401(k).
On this episode of Simply Money presented by Allworth Financial, Bob and Brian share the biggest regrets wealthy retirees face — and how to avoid them. They also cover how to turn severance into strategy, ways to protect your privacy from Google, listener questions on direct indexing and estate planning, and Brian’s bottom line on the Secure Act 2.0.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the looming government shutdown and what it could mean for your investments in the short term. They also dive into why investors are holding a record $7.7 trillion in money market funds, and whether that’s a smart move in today’s market. Plus, they unpack the real cost of the American Dream—homes, kids, health care, and more—and how planning can keep those expenses from derailing your retirement goals. Later, the guys tackle “phantom income,” that frustrating tax bill on money you never actually see, and explain how to prepare for it. Finally, in Ask the Advisor, they answer your questions on long-term care planning, inherited property, consolidating old 401(k)s, and whether annuities make sense for million-dollar portfolios—before wrapping up with important advice on managing your 529 college savings plans.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian get Allworth Chief Investment Officer Andy Stout’s take on the Fed’s latest rate cut and what it really means for investors. They also cover new IRS rules pushing high earners’ 401(k) catch-ups into Roths, why HSAs are the most overlooked tax break, and how to protect your retirement from sequence of return risk. Plus, real listener questions on private REITs, pensions, and illiquid wealth—and a quick December tax trick that could save you thousands.
On this episode of Simply Money presented by Allworth Financial, Bob andBrian share the “financial deep clean” every high-net-worth investor should do. They break down an Ohio company’s surprise move to cut its 401(k) match, and ask if billionaires really follow through on their giving pledges. Plus, they answer your questions.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Fed’s latest rate cut, why Social Security’s raise may not feel like one, and how to know if golden handcuffs are holding you back. Plus, Allworth CIO Andy Stout joins to talk faith-based investing, and the guys answer your biggest retirement questions.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Federal Reserve’s first rate cut since December, what it means for your savings, mortgage, and investments, and why the real question now is: what happens next? They also debate President Trump’s renewed call to end quarterly earnings reports, weighing the pros and cons for investors like you. Then, the guys tackle one of the most important questions in financial planning—how much risk should you really be taking with your money? And as always, they answer your questions on investment property, long-term care costs, managing a family trust, and deferred compensation.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian put on their “tough teacher hats” to deliver some advice you may not want to hear, but absolutely need to hear. Just because you’ve saved $2 million, $3 million, or even $5 million doesn’t mean you’re automatically set for life. Their lessons cover why retirement isn’t a vacation but a paycheck replacement plan, why your kids don’t need another check but a financial strategy, how treating your portfolio like a casino can wreck decades of hard work, and why taxes could cost you more than your house. Plus, they dive into the real spending patterns of retirees, scams targeting families, and listener questions on concentrated tech stock, charitable remainder trusts, and how to plan for estate taxes on illiquid assets like real estate.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what the Federal Reserve’s next move could mean for your money. Allworth Chief Investment Officer Andy Stout joins the show to preview this week’s Fed meeting, explain why inflation remains sticky, and share what the “dot plot” really tells us about future rate cuts. Then, Bob and Brian stress test portfolios against everything from a sudden market crash to geopolitical shocks. Later, they tackle whether AI is a reliable investment tool—or just another overhyped buzzword. Finally, they answer your real money questions on passing down vacation homes, selling a business, balancing charitable giving with future healthcare needs, and keeping streaming subscription creep under control.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what your “money personality” says about the way you invest—and how it might be helping or hurting your long-term plan. Are you a thrill-seeker, a security blanket, a control freak, a balanced mediator, or maybe even an ostrich with your head in the sand? They’ll walk through the pros and cons of each type and how to build a portfolio that actually matches who you are. Later, they dive into the real-life dilemma of divorced couples hanging onto 2% mortgages—why cheap debt may be keeping people tied together long after love is gone, and the financial (and emotional) tradeoffs of “nesting” or buying each other out. Plus, Jocile Ehrlich from the Better Business Bureau stops by with the newest scams you need to watch for, and the show wraps up with a retirement checklist and Brian’s Bottom Line.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why it now appears absolutely certain that lower interest rates are on the horizon. Plus, they share the smart way to avoid a tax bomb and bring you their Ask the Advisor segment.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest Consumer Price Index report and what it means for your wallet, discuss why Oracle is suddenly the market’s newest darling, and explain what a drop in mortgage rates could mean for both buyers and refinancers. They also explore Robinhood’s push into social investing, whether alternative strategies like gold and copper are smart diversifiers or just the latest trend, and walk through three practical steps for managing an over-concentrated stock position. Plus, on the anniversary of 9/11, they reflect on the market’s resilience in the face of tragedy and what lessons investors can take from it today.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the growing role of alternative investments inside retirement plans — and why you should be cautious before diving in. They also tackle whether today’s AI excitement is the new dot-com bubble, the lessons behind a shocking $4 million hospital bill, and what nearly 600,000 new 401(k) millionaires can teach us about long-term discipline. Plus, you’ll hear a personal story about how being overconcentrated in one stock devastated a family financially. And in our listener Q&A, we cover farmland sales, retirement income strategies, umbrella insurance, global diversification, and whether direct indexing beats ETFs.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a weak August jobs report with Allworth’s Chief Investment Officer Andy Stout and what it could mean for the Federal Reserve’s upcoming rate decision. They also revisit the famous “4% rule” for retirement withdrawals — does it still hold up in today’s economy? Andy returns later in the show with strategies for growing capital and protecting against inflation, including buffered ETFs, direct indexing, and private equity. Plus, your questions answered on estate planning, charitable trusts, private equity investing, and even retiring abroad.
Financial freedom used to mean never worrying about money again. But in today’s economy, the real key is flexibility. On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why adaptability is now the cornerstone of wealth management—and how affluent families can structure their portfolios, tax plans, and spending to stay nimble no matter what markets or life throws their way.
Success brings rewards—but also hidden risks that can derail your financial future. On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore how high-net-worth families can spot these risks before they become problems. Plus, strategies to potentially land in the coveted 0% capital gains tax bracket, and smart moves you can make now to protect your wealth and lifestyle.
On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian tackle the country’s ballooning national debt, why it matters to investors, and what history can teach us about navigating deficits.
On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian break down what the Fed’s preferred inflation gauge is signaling and why mortgage rates may stay stubbornly high despite potential rate cuts. They’ll also explain new tax rules coming in 2026 that could change how you give to charity, and highlight a new study showing many retirees may outlive their savings. Plus, they unpack the “action trap” that even smart investors fall into, compare retirement systems around the world, and tackle your questions on umbrella insurance, capital gains, risk tolerance in marriage, and managing tech-heavy portfolios.
Smart people still make dumb money mistakes—and the wealthier you are, the higher the stakes. On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian share the hidden biases that derail even savvy investors and practical steps to stay on track. They also dive into Gen X’s top retirement worry—health care costs—plus career expert Julie Bauke on building a personal brand after a big career, listener questions on trusts and vacation homes, and Brian’s “Bottom Line” on Roth vs. pre-tax 401(k) contributions.
Most of us spend decades chasing “more”—more returns, more growth, more money. But what happens when you’ve already won the game? On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian explore when enough is actually the best strategy. From high-net-worth investors risking too much on tech stocks and crypto, to the psychology of always wanting “just a little more,” they break down why preservation and simplicity often beat chasing returns.
Markets are up, Nvidia is booming, and Taylor and Travis are engaged — but what does any of that mean for your financial plan? On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian cut through the noise to show why successful investors don’t chase fads or panic over headlines. From maximizing cash yields to making smart decisions about Roth conversions, inheritances, and even prenups, Bob and Brian explain how discipline and planning — not hype — are what protect and grow wealth.
On today’s episode of Simply Money presented by Allworth Financial, the President takes aim at the Fed, Kroger announces 1,000 job cuts, and Bob and Brian break down why your “diversified” portfolio might not be as safe as you think. Plus, the rise of elder scams, and your questions on taxes, retirement planning, and charitable trusts.
On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian explore why even beloved companies like Cracker Barrel can stumble, why Nvidia now makes up such a huge piece of the S&P 500, and what past giants like GE and Enron teach us about diversification. They’ll also cover the latest Social Security COLA estimate, the buzz around private equity in retirement plans, and how to future-proof your career in the age of AI.
On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian sit down with Allworth’s Chief Investment Officer, Andy Stout, to break down the Fed’s next move on rate cuts. They also dive into how retail investors are driving markets, smart strategies for unwinding concentrated stock, and which travel rewards cards actually deliver real value.
Life is full of trade-offs—and nowhere is that more true than in financial planning. On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian put a fun twist on tough money questions with a special “Would You Rather?” edition. Should you sell highly appreciated stock now and pay taxes, or hold and pass it to heirs with a step-up in basis? Is a bucket strategy better than a total-return approach? Would you move to a no-tax state or stay in Cincinnati for family ties? From direct indexing to Roth conversions, these choices could shape your wealth, your legacy, and your peace of mind.
What happens when the person you trusted most with your money turns out to be the one stealing it? On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the stunning story of former Northwestern Mutual advisor John Kersey, accused of running a multi-million-dollar fraud right here in Cincinnati. Bob and Brian break down how the alleged scam worked, and—most importantly—how you can protect yourself and your family from ever falling victim to something like this. Whether you’re managing $500,000 or $10 million, this conversation could save you from devastating mistakes.
S&P reaffirms the U.S. credit rating, Jerome Powell takes the stage at Jackson Hole, and mortgage rates spark a refinancing boom. On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian explain what it all means for your money, why cashing out a 401(k) can wreck your retirement, and answer listener questions on Roth conversions, direct indexing, and Social Security.
On today’s episode of Simply Money presented by Allworth Financial, Bob, Brian and Allworth Chief Investment Officer Andy Stout explain what investors can learn from Warren Buffett’s latest buy in UnitedHealth. They also break down strong retail sales numbers, what they say about consumer spending, and the potential inflationary hit from new semiconductor tariffs — plus how Intel’s massive Columbus project fits in. Finally, Bob and Brian tackle a new SEC ruling that shuts the door on ETF share classes of mutual funds and share what high-net-worth investors should be doing now to keep portfolios tax-efficient
On today’s episode of Simply Money, Bob and Brian dive into the estate tax drama that could upend retirement plans — and how to prepare so your wealth stays in the family, not in Washington’s hands. Then, in a special “Would You Rather?” edition, they tackle tough money dilemmas that every high-net-worth household eventually faces: lump-sum pension or monthly checks? Buffered ETFs or total market indexing? Live off dividends or sell shares? Plus, they unpack a real-life story where estate taxes pushed a couple to divorce, and what you can learn from it.
On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian dig into the headlines shaping the rest of 2025 — from what could keep markets moving higher to how U.S.–China relations may quietly influence your portfolio. Plus, the guys tackle big-money listener questions on RMD strategies, falling municipal bond yields, and preparing for a future business sale.
On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian break down what an extended U.S.–China trade truce really means for your money — from Wall Street to your wallet. They explore the economic ripple effects, where the opportunities (and risks) might be for investors with serious assets, and why patience might pay off in this uncertain climate.
On this episode Simply Money presented by Allworth Financial, Bob and Brian break down the latest July inflation report and explain why the Fed might finally be ready to cut rates in September. They also dissect investor fears of stagflation and clarify why today's market isn't the 1970s all over again. Later, they dig into why now might be the right time to lock in short-term yields for your cash, whether direct indexing makes sense for higher-net-worth investors, and how to think about pulling money in retirement. Plus, Bob shares how he’s handling the long-term care funding puzzle in his own financial plan.
Is a recession around the corner—or just more noise? On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth's Chief Investment Officer Andy Stout to dissect Moody’s latest warning about the U.S. economy. Does the data really back that up?
On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian mix serious financial wisdom with a little “Would You Rather?” fun. They challenge each other—and you—with quirky retirement scenarios that spotlight real planning trade-offs: Would you rather retire at 55 with $2 million, or work until 70 with $5 million? The answers might surprise you.
On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian dig into why more countries are pushing retirement later—and what that signals for your financial future. You’ve built a nest egg, maybe refinanced your home, maxed out your retirement accounts… but have you thought about when to retire? With governments around the globe delaying official retirement ages, is longevity becoming your most important asset? Bob and Brian break it all down, including whether this global trend should influence your own retirement timeline.
Is crypto finally growing up? On today’s Simply Money podcast presented by Allworth Financial, Bob and Brian look at whether the rise of regulation and adoption means it’s here to stay — or still too risky. Plus, if you're thinking about retiring soon, here's how to start shifting your investments to get ready.
On today’s Simply Money podcast presented by Allworth Financial, Bob and Brian dig into fresh research from both Vanguard and BlackRock claiming we might be heading into an era of lower stock market gains. Plus, estate planning mistakes you might not realize you’re making—and how to fix them.
Has the stock market finally hit choppy waters? Bob and Brian unpack what the latest jobs report tells us about the economy—and what it means for your portfolio. From resilient job numbers to a surprising rate pause by the Fed, there's a lot to navigate.
On today’s Simply Money show presented by Allworth Financial, Bob and Brian lay out the five ethical standards every financial advisor should meet. Plus, they tackle rising home insurance costs as State Farm makes a big move. What Ohio homeowners can learn—and how you to proactively protect your budget.
The U.S. economy grew more than expected last quarter—what does that mean for your investments and financial plan? On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian dig into the latest GDP numbers and explain why the American consumer remains so resilient.
In this episode of Simply Money, presented by Allworth Financial, Bob and Brian break down the Fed’s decision to hold interest rates steady—what it means for markets, inflation, and your cash. Are stock buybacks a bullish signal or something to worry about? Bob and Brian analyze how tech giants like Apple and Meta are reshaping their stock value and what high-net-worth investors need to consider. Plus, the team answers real listener questions on rebalancing portfolios, donating appreciated stock, and the smart way to handle RMDs through qualified charitable distributions.
On this episode of Simply Money, bold market forecasts are flying, but how accurate have past predictions been? Bob and Brian break it down. Plus, they clear up the confusion surrounding a viral Social Security tax email and discuss the mental trick that could boost your retirement savings.
On this episode of Simply Money, Bob and Brian kick things off with Allworth Chief Investment Officer Andy Stout breaking down the new U.S.-EU trade deal—what it means for tariffs, global markets, and your portfolio. Then, they dive into the Fed’s upcoming rate decision, and why earnings season could give the central bank the clarity it’s been waiting for. Is a September rate cut back on the table? The conversation shifts to Wall Street’s rising speculative fever—think call options, meme stocks, and Krispy Kreme. Bob and Brian discuss the warning signs and what disciplined investors should do right now, especially when tech and AI positions have ballooned. Finally, they wrap up with a practical guide to cash management, comparing CDs, treasuries, and money markets—plus how direct indexing and Roth conversions can offer better tax outcomes.
Are you an Analyzer, Avoider, Spender, or Saver? Your financial personality can explain everything from why you argue with your spouse about money to how you feel about risk and investing. On tonight’s show, Bob and Brian dig into the four core money personalities and help you discover how to harness yours—and understand others’.
Tonight, we explore the powerful connection between consumer behavior and the stock market. Why do your spending habits—and your neighbor’s—matter so much to your investments? They also examine what the market is really reacting to right now and how your emotions might be clouding your judgment.
Between the booming stock market and interest rate uncertainty, retirees and near-retirees are feeling more uncertain than ever. Bob and Brian unpack why anxiety is on the rise among retirees, what risks might be getting overlooked, and how to structure your retirement plan for more confidence and peace of mind. Cybersecurity expert Dave Hatter also shares how to protect yourself from new digital threats.
On this episode of Simply Money, Bob and Brian dig into what investors should—and shouldn’t—do when the stock market keeps hitting record highs. Should you cash out or lean in? Behavioral finance, loss aversion, and portfolio strategy all come into play. Plus, hear how tools like direct indexing, buffered ETFs, and structured notes can help high-net-worth investors stay smart amid the noise. Then, a reality check on retirement: new data reveals more Americans tapping their 401(k)s early, and a growing crisis in senior housing—especially right here in Cincinnati. Are you making a dangerous assumption about what Medicare actually covers? We’ll walk through the risks of waiting too long to secure care solutions. Also in this episode: the truth about AI and investing—why even the smartest machine learning tools can't consistently beat the market, and how to actually use AI without falling for hype.
As the market keeps climbing, the Simply Money team asks: should you trust this rally? Allworth Chief Investment Officer Andy Stout joins Bob and Brian to break down a surprisingly optimistic inflation report, the strength behind consumer spending, and why the market may be reacting with too much enthusiasm. Plus, Bob and Brian dig into the biggest retirement mistake pre-retirees make — and how to avoid it.
Is the housing market cooling down? How about the jobs market?
Professional sports teams are getting into the "crypto craze." Where could THAT go wrong??
Why is Kroger's stock SOARING?
"Keeping up with the Joneses" is usually a bad idea… but there's one way a little "peer pressure" can help your finances.
The State of Ohio held $1 million lotteries to encourage people to get vaccinated… but did the game actually work?
Cincinnati Bell is going private. What's it mean for local employees?
Does COVID count as a "business interruption"?
Beware of this new wave of phone scams…with tech expert Dave Hatter.
What should you get the newlyweds? For more couples, the answer is STRAIGHT CASH.
Forget about Friday Night Lights… high school students are now leaving early to cash in, now that college players are allowed to be paid.
The leaves are changing… and so is the job market and your 401(k).
P&G was listed as the BEST in the state by Forbes.
What incentives should job seekers look for right now?
How much insurance you need completely depends on who you are. Tonight, where you may be paying too much… and where you may not have enough.
You probably want to know about this Venmo scam… but your kids DEFINITELY need to.
Happy Labor Day This year the deals and events are back. Here's where you can spend… and save.
What do you do if you're a state or business that can't find workers?
Do you need more than a 401(k) to save well?
Retiring early
Dogecoin regrets
How well do you know your 401(k)?
Apple is rolling out a new feature that will allow you to upload your license to your iPhone's "Wallet."
The key differences between the two MOST POPULAR government healthcare programs
Your back-to-office plans changed yet again
You don't know when everyone is coming back in the office… but IF they do, your office life is going to look much different. Here are your new back to office plans.
Social Security's trust fund is running dry faster than expected… By the time you're out of traffic, you'll know what this means for you.
These local universities are now requiring COVID vaccines for students and staff.
The latest tri-state scams that YOU need to know.. The BBB has the details
We're on the backside of the pandemic…hopefully. But some priorities have permanently changed-- like where you want to live.
Major companies are shutting down offices… to help workers de-stress. Here's how some employers are grappling with YOUR burnout.
The United States is officially out of Afghanistan, but some economic questions remain
Donuts for your health. Krispy Kreme is DOUBLING it's offer for vaccinated customers
More than half of American workers are looking for a new job. Is that you?
A new offer may come to your 401(k) plan… an annuity. These ones are often sold without commissions and lower fees, but are they ever a good idea?
Covid travel restrictions are back… but you can still find some great deals if you want to get away.
Hurricane Ida soaked offshore oil refineries. How will it affect your next trip to the pump?
How you can handle inflation as an investor
How are your kids learning about personal finance in their schools? We'll learn about a GREAT local program with Erin Harris from the StEP Store
How to make your marriage more financially equal.
Used clothing is a MASSIVE business… and the retailers who sold clothes first want to get in on the "flip" side.
This may not end well. TikTok users will soon be able to buy stuff directly through the short videos on the app. They previously had to do it through pesky advertisements.
You may see this story more often. Delta Air Lines is raising health insurance premiums for unvaccinated employees by $200 a month to cover higher Covid costs.
The do's and don'ts of leaving money to grandchildren.
Costs of flexible 401(k)
Hybrid transition challenges
Your financial questions aren't the same ones you had a year ago. Here are Simply Money's tips for navigating a hot housing market, higher car prices, and a labor shortage.
The crypto you probably know is Bitcoin is pretty much the “Coca-Cola” of cryptocurrencies… but there are perhaps 5,000 other types of cryptocurrency.
How is the Delta variant impacting your travel plans? Are there any deals to be found?
how to invest in an environment where the impossible feels common.
What do you want? You want the moon? A company called Lunar Embassy promises to sell you areas of space… and even planets.
All time highs and record debt. By the time you're out of traffic you'll know how to respond to stocks at all time highs… and one lesser-used investment to save on taxes.
How local universities are dealing with vaccination requirements for students and staff
These "home rennovations" can actually HURT your home's resale value.. Michelle Sloan has the answers
What's keeping Americans from going back to work… it's not just low pay or unemployement benefits… for some it's the realization that they can retire early.
Does a pandemic count as "property damage"? The Ohio Supreme Court will decide whether businesses shut down due to the coronavirus can make property insurance claims.
The American economy is looking to fill more than 10 million jobs as millions are exiting the labor force. Tonight, what it means for you.
more Americans are investing. More than a quarter of investors polled started investing within the last 18 months, and 73% began in 2019
You have PLENTY of entertainment options for your money… but how can you budget for all of that spending?
One of the TRICKIEST financial planning questions is the one you DON'T want to think about. What are you going to do about long-term care?
There is no "right time" to buy cheap airline tickets… but this one trick may save your family some money on your next vacation.
The stock market is coming off a turbulent week and the Federal Reserve, our nation's central bank, is planning a major change that could impact your 401(k)
President Joe Biden just forgave $5.8 billion in student loans. Who qualifies?
The unique challenges for singles planning for retirement
It's not always a good idea to compare yourself to others… but sometimes it's nice to know. Here's how Americans are doing with their 401(k)s.
During the pandemic you may have missed the new seasons of your favorite shows… now the avalanche is returing.
Your attitudes toward work and retirement have changed. Make sure your finances are ready.
Are you making more impulse purchases? The expensive habit more Americans are trying to kick
Will buying an older home save you money? Or are you just gonna spend more on the repairs
You are worried about what's gonna happen to the economy. -- the rules of when you ACUTALLY should sell an investment… and When you should NOT.
Are you on payment apps? Here's how you can navigate them a LITTLE more safely…
Use your vacation! It's a part of your salary and your boss WANTS you to use it.
It's the busiest week for events in Cincinnati since the pandemic began. What can you look forward to?
How did working from home affect your finances?
Cryptocurrency pump and dump schemes
Higher restaurant bills
The economic risks from the Delta variant and inflation are real, but our economy is still on track for a robust recovery.
Unvaccinated workers may be paying more for health insurance… by how much?
You have PLENTY of connected devices in your home… but how safe are they?
You've heard us say 'refinance your mortgage.' But anytime you're making a major financial decision… it can quickly go wrong.
Maybe you already refinanced your mortgage and you don't want to move… is remodeling your house the next investment?
Your spending is boucing back with PLENTY of entertainment options… but could that be too much of a good thing?
Would you take a pay cut to work remotely? Some say yes.
How can you build up your "career resiliance?
Pandemic and buying life insurance
Quit your job or leave your pet at home?
Are your kids ready to go back to school… How about your wallet?
Why your next latte may be MUCH more expensive
Why would you open a restaurant during the pandemic?
Divorces can be one of the thorniest financial planning subjects… but these financial planning reminders may be able to help you, or somebody you know going through on.
Spending too much time on your phone?
Inflation is already affecting your wallet.
Looking to rent a car? One place you may be able to save
Your Cincinnati real estate market update with Michelle Sloan
Awhile ago we told you that SPACs we're looking RIPE for fraud… now we're starting to see some examples.
Could your "big-box gym" go the way of the Blockbuster?
One trillion dollar infrastructure bill. Who is paying for it?
Employed Americans are feeling more confident about quitting their jobs
How the extended eviction moratorium is impacting renters… and landlords
How the extended eviction moratorium is impacting renters… and landlords
It's not only companies that are paying more… but small towns. Some American cities are offering up to $20,000 for you to live there and work remotely.
Wall Street is celebrating jobs data and earnings beats… but are these great returns normal?
FedEx is looking to fill more than 1,000 jobs in Greater Cincinnati.
Deciding what to leave your kids in your will is TOUGH. Perspective from estate planning attorney Mark Reckman.
Some college athletes are about to get PAID. Here's are financial advice for them
Take out on the couch is here to stay. Some pandemic habits are going by the wayside… but the way we eat may be changed for a LONG time.
The Congressional Budget Office now projects that the Social Security Trust Fund is slated to be exhausted in 2032—which is a full year later than CBO projected last year.
Amazon wants to take a scan of your hand… for a $10 gift card. Would you make that deal?
Never pay the first bill! Author Marshall Allen is encouraging you to take on the health care system… and save money.
Retirement planning is challenging NO MATTER your relationship status… but we often see married couples make these mistakes.
Demand for outdoor recreational vehicles began rising in 2020 after the pandemic left many people in search of socially-distant adventures and mobile offices for remote work.
The eviction moratorium is back… Here's what it means for renters and landlords...
General Electric's stock is now trading above $100 a share… but shareholders aren't necessarily richer.
Is spyware on your smartphone? We will ask tech guru Dave Hatter
Wall Street stock pickers get paid a LOT of money to beat the market… so why can't many of them do it?
500 investors put $11 million into a purported crypto-mining operation — with the promise of up to 200% gains within 60-to-90 days. What could go wrong?
Businesses are gearing up for the Delta variant… and these changes COULD affect your salary.
Saving in a "solo 401(k)
Career Expert Carla Messer
The lessons you learned in grade school can help you prepare for a financially and emotionally successful financial future.
The Delta variant is making some vacation plans more uncertain. SO Is it a good idea to buy some travel insurance before your next vacation?
The US economy is back to pre-pandemic levels and the Delta variant raises new concerns
The Federal eviction moratorium ended Saturday. What's that mean for local renters and landlords?
Did the pandemic help your emergency fund?
So you thought the market was going to take a dive and put some cash on the sidelines
No shot, no service. As COVID infections grow again, more businesses are telling staff… and customers that they'll need to see some proof of vaccination.
The US economy is healthier… but now the question is "what happens next?"
The next time you go out to eat, you may not want to order the fish… or even be able to.
What do American's think the best long-term investment is? Cash, stocks, real estate… or maybe something else?
Broken annuity promises
Day trading is still popular
The United States economy is back to its pre-pandemic size
How the State of Ohio is encouraging its employees to get vaccinated
Getting your budget together for a home rennovation
Thinking about buying a car right now? Avoiding the "sticker shock"
The popular trading stock trading app Robinhood became a publicly traded stock today… so is it ever a good idea to jump into an IPO?
"The opening ceremony of the Tokyo Olympic games kicks off tonight… and we'll get you ready for the financial side of one of the most EXPENSIVE events on the planet.
Why would ANYONE buy a "virtual horse" for $45,000?
The most popular post pandemic travel trends
Saving for child's education
Not rushing back to the office
The stock market is flying high, home prices are soaring… are we in ANOTHER bubble?
Cincinnati restaurant owners tried putting some HEAT on President Biden over the labor shortage at last night's town hall… and they didn't like his answer.
Watch out for these child tax credit scams
If you're receiving Social Security… you can probably expect a big raise next year.
Travel is starting to BOOM… but it's looking weirder than you probably imagined
The President is creating roadblocks in Cincinnati, and Congress is doing the same for an infrastructure bill...
Is a Marvel superhero movie bringing Americans back to the cinema??? Or are your viewing habits PERMANENTLY changed?
The do's and don'ts of leaving money to grandchildren
You have PLENTY of options for your 401(k)… but that comes with a price.
Are you worried about your team making it through the "hybrid transition"?
The stock market is getting JITTERY again… what's going on THIS time?
Retirement planning for ANYONE is challenging… but singles have these EXTRA considerations.
Bosses-- do you know if your employees are "financially well"?
Buying a home is expensive enough… getting your credit in shape before your next move
Back to school shopping season is upon us… where is your money going as your kids get ready for HOPEFULLY a year of in-person learning?
Corporate earnings are looking good… but inflation is high.
The FDA approved this EXPENSIVE drug as a treatment for dementia… so why is the Cleveland Clinic saying it won't administer the medicine?
Do you need more than a 401(k) to save well?
What's keeping Americans from going back to work
The creator of Dogecoin is having second throughts about his creation.
the economic stories that you NEVER would have guessed a year ago.
If the federal government is going to throw around trillions… why not give some to the restaurants?
Is life insurance a good way to protect your family from future tax increases?
This student loan is gaining a LOT of popularity… but could leave parents on the hook for HUNDREDS OF THOUSANDS OF DOLLARS.
Check your credit report
Jobless claims continue to hit pandemic-era lows… but millions of Americans are in NO HURRY to find work
The price of this home building material is falling MASSIVELY… but will buyers benefit from those falling costs?
How can your in-laws change your estate plan?
Is buying dividend stocks the right way to fight inflation?
Checks for Child Tax Credits are already showing up in parents bank accounts… but there are some key differences from stimulus checks that YOU need to understand.
Congressional Democrats are getting ready to pass a $3.5 trillion spending plan… and it could mean MAJOR changes for Medicare… and your wallet.
Child tax credit checks are rolling out tomorrow… what parents can expect in their bank account
Does Google know too much about you? How you can give the tech giant… a little less and protect your family's privacy.
Deutsche Bank and HSBC Bank allegedly manipulated the gold market for over a decade… and created a $102 million settlement fund to pay those harmed. Does some of that money belong to you?
One country is ALL IN on the 4-day workweek… should we expect it come to America any time soon?
Inflation soars above economist's expectations… but your wallet already knew that prices are rising FAST.
the one bill you don't want to pay quickly. ...Medical bills and what is upcoding
How can you build up your "career resiliance?
How much life insurance do you really need? Your priorities shifted over the pandemic… and continue to change.
As you get ready to return to the office… how are you going to prepare your pet for a little more alone time?
Earnings season is upon us, and the traders on Wall Street are expecting the economic recovery to continue full steam ahead.
When inflation runs hot… investing becomes more challenging, especially if you're looking for "safe income." Here's how you can think about your BONDS right now.
How did working from home affect your finances?
How are your kids getting caught in cryptocurrency "pump and dump" schemes?
Did you notice a higher bill the last time you went out to eat? Restaurants are struggling to decide what to do about higher labor and food costs.
Has your spending returned to normal… the post-pandemic boom isn't looking exactly the way the experts thought.
Royal Carribean is requiring unvaccinated travelers leaving from Florida to purchase travel insurance
How can you help your aging parents choose a retirement community… and keep some peace in your family?
Legislative risk and retirement planning
Giving kids credit cards
Housing prices are on fire… so should you do anything differently with your home's equity?
The three pandemic unemployment programs are scheduled to expire in early September under current federal law. What next?
Who's driving the post-pandemic travel boom?
You know healthcare is expensive… but how much more are basic procedures when you don't have insurance?
Can working from home feel the same as working in the office?
Wall Street is watching higher inflation numbers… and you're already feeling it at the gas pump.
$70 million in mistakes. The popular trading app Robnhood is paying millions to settle sweeping regulatory allegations.
Tech expert Dave Hatter
Why student loan debt isn't only a problem for your kids
An under the radar piece of legislation could dramatically overhaul the US credit reporting industry… and your credit score
Declaring your financial independency.
Movie theaters are back open… but what would it take for you to return to a cinema?
Do you have room to negotiate your next job offer? How you can get the most out of your salary
Getting used to spending
Saving on summer weddings
Are you ready for 4th of July weekend?
Some of your grocery store staples are going to be more expensive
Facing longer waits when you go out to eat? How restaurants are grappling with a worker shortage
Teen brokerage accounts
Online grocery shopping
You've seen the panicked headlines about the Delta variant… so why isn't the stock market reacting?
Nurses at UC Medical Center are getting a pay raise after a threatening a strike… we'll tell you about the new deal,
The long-term trends driving this hot real estate market
You used to be able to negotiate the price of your car… now auto buyers are experiencing dealers asking for MORE than MSRP.
Did your paycheck get bigger recently?
financial lessons from the first half of 2021
Some welcome news for GE Aviation as travel bounces back-- why Evendale is celebrating
What do American's think the best long-term investment is? Cash, stocks, real estate… or maybe something else?
A product is not always the solution to your financial problems.
Day trading exploded during the pandemic… so why are people still at it???
Budgeting is easier than you think
Are reverse mortgages a scam?
How to fight age discrimination at your next job interview
Think your aging parents are the most likely to fall victim to a scam??? Think again. Younger adults lose money to swindlers much more often than the older people
Too many phone calls. Too many emails. You have more online accounts than ever before… and it's showing in your inbox. Here are some ways to create a "burner identity" that can protect your valuable information.
Make sure you're saving for future healthcare costs today.
Your streaming bill is now your cable bill… and it may get even MORE expensive.
The real estate market is rockin… but how long can it stay that way?
Maybe you saved some extra money during the pandemic… but many Americans fell behind.
Would you take a vacation to a "Whiskey Resort"? Kentucky is hoping your answer is YES.
Americans are quitting their jobs at RECORD levels. Is it good for the economy?
what's inside of your credit report
When should you pay down your mortgage early?
Getting a job in retirement can seem like a great idea… but you'll want to understand these financial implications first.
The City of Cincinnati announced its operating budget for 2022 and 2023. Where your tax money is headed,
Are interest rate hikes coming soon? Is high inflation here to stay?
Amazon prime day deals
How the labor and material shortage is affecting the businesses building your home
You can probably expect a little more from Social Security.
Why renting in Cincinnati is getting even MORE expensive
Maybe you've got some money saved up… but you're DEFINITELY ready to go out again
Are your kids getting financial advice from Kim Kardashian?
The Federal Reserve is threatening interest rate hikes
Legalized sports betting is coming to Ohio
Is your partner committing "financial infidelity?"
Financial planning is a little different for every family… but can get a little more complex for second marriages.
Now that you're going out again.. You may need some new clothes … How much it costs to "rent" a new style
You've seen the headlines about a worker shortage… but some parts of our economy are feeling it more than others.
How much does it cost to buy a home in Cincinnati right now?
The most popular post pandemic travel trends… and where you can expect to pay more on your next vacation
How can you save for your child's education? You have a few options… but not all of them are a great idea.
You may feel comfortable going in a restaurant or to a Reds game… but what's keeping you from returning to the office?
The United States may be gearing up for another trade fight with China
How can you handle SOARING car prices.
How are your college kids navigating this unusual job market?
You can't afford to take a one-size-fits-all approach for your unique retirement.
Why are more states are using Ohio's vaccine lottery idea?
Should you be worried about inflation?
Small businesses are feeling the pain of a worker shortage
You know what "cheating on your partner" is… but how about "financial infidelity?"
When do you want to retire?
Who falls for a "fake sweepstakes" scam? The answer may hit close to home.
Everyone is making a LOT of money… except you. Tonight, how you can handle your long-term investments in the FOMO economy.
The CDC is relaxing guidance for international travelers… but how much will those plane tickets cost you?
Inflation soared past economists expectations… Are rising prices a short-term problem… or a long term-threat?
The new ways that Washington wants to fix your retirement.
Is life insurance a good way to protect your family from future tax increases?
The growing trend of "PLUS" loans.
These credit errors could be COSTING YOU thousands… and you may not even know they are there.
The government is spending more and you are too… so what's THAT gonna do to inflation?
Running like a thoroughbred. Loveland's electric vehicle maker Workhorse is riding the meme stock craze
It sounds like a great job opportunity… but is it really a scam? - Jocile Ehrlich, president of the Cincinnati Better Business Bureau.
How you can feel richer on your current salary.
Sick of your kids lazing around your house? Here are some ways they can secure a summer job!
How you can have better "money talks" in the post corona virus era
Do you need to own a home to build wealth
Own your own business? What you need to know about using a Small Business Administration loan
Should you get a job when you retire?
What EXACTLY is a cryptocurrency?
Inflation, jobs, and future tax changes are the stories TRULY affecting your retirement savings.
The future of two hometown stocks.
Need a creative date idea… without busting your budget?
HEALTHY financial habits that can lead to a secure retirement.
What is "Shrinkflation"?
The Federal Government has already sent out three stimulus checks, and now some lawmakers are trying to make those payments recurring. Who will have to pay the bill?
Would you quit your job if you had to go back to the office?
What is behind the sudden rise in AMC stock?
Winning the "bidding war" for your next home.
What's the JBS meat hack mean for our economy? Tech expert Dave Hatter.
make sure you're walking through retirement with a qualified professional at your side.
Your life is getting more expensive… but some annoying fees may disappear soon.
Ransomware shut down the world's largest meat processor… but that's not the only reason your grocery bill is rising.
Do you have room to negotiate your next job offer? How you can get the most out of your salary
You may have saved A LOT during the pandemic… but are you ready to spend again? Even though the world is opening up… your wallet may not be.
Planning on going to a summer wedding? Here are some ways to save…
So, what happens when you and your significant other have different perspectives on retirement?
Your health insurance options after you leave work or retire.
What are job interviewers really asking you??? Answering the "question behind the question"
Roth conversions.
Why is Amazon being accused of "price gouging"?
Patient, long-term investors are the ones who are usually rewarded.
Estate planning is easy to put off, but one of the most important pieces of your financial life.
The only guarantee if you want a home right now-- build one yourself!
You hear politicians BATTLING about spending and inflation… but the challenge they really need to take on is Social Security.
As more Americans are "getting out" more of you are looking for someone to "go out" with. Here are some of the digital marketing tips that can make you better at online dating.
As companies across America struggle to hire… those with employees working from home face a new challenge-- how do you get them back to the office?
Did you see a great deal on a rental car??? Or was it a SCAM? The new fraud you need to know before your next vacation
CVG airport is bouncing back… but not all the way until THIS group of travelers returns to the tri-state.
You can be an aggressive investor… but you still need to diversify and understand your risk.
Should student athletes be allowed to profit off their name?
Stocks had their first back-to-back weekly decline since February… and you should still be optimistic about the American economy. Andy Stout explains why…
Financial planning is all about knowing what you can… and can't control. Here are some actionable ways to plan for retirement expenses.
Going into a job interview soon? What you need to know if you're looking to make a mid-career change.
You're scared about what the stock market is going to do in your retirement. Can your savings handle the downs?
Businesses are navigating a new social challenge-- do you encourage your customers to get vaccinated?
Soaring home prices, investors flooding the market, and buyers are stretching their budgets to get a new place. What does this frenzy means for you… and how to protect yourself when the tides turn.
The numbers that that tell the story of our travel recovery.
Is the plunge in value of cryptocurrencies going to turn off speculators? Why you should still be wary of Bitcoin or any virtual coin
The stock market is bumpy right now -- but how are locals Procter & Gamble, Kroger, General Electric, and Fifth Third Bank doing?
As inflation heats up… you can still find some deals. Which are the best?
Handling the most difficult and challenging estate planning decision
More of you are getting ready to "job hop"… but what are you gonna do with that old 401(k)?
You are ready to spend on experiences… some of the most unique ones around Cincinnati
Is high inflation a passing fad… or a serious threat to your 401(k)?
Early retirement challenges
These incredibly popular Android apps have backdoors into your personal… and financial information. Protecting your identity with Tech Guru Dave Hatter
You love your kids… but what do you do if one of your adult children is an absolute financial mess.
Do I have to wear a mask? Am I being rude? Am I being more rude by NOT wearing a mask even though the CDC says that I don't have to??? These are just SOME of the fun rules businesses and YOU are dealing with right now.
You're ready for a vacation, more restaurant meals… but is your wallet for all of that revenge spending??
The tax deadline this year is May 17… so if you haven't done ANYTHING YET… you may want to file for an extension.
Businesses are paying more and having trouble hiring, and that may tip the scales in the worker's favor… at least for a little while.
The KEY differences between your 401(k) and the economy.
How much will the City of Cincinnati lose if suburban workers stay at home?
Work through your Social Security decision with a qualified pro. The wrong decision could cost you THOUSANDS!
You haven't taken the vacation days that you should have. how to make that process as SMOOTH as possible… and not feel guilty!
Consumer prices surged 4.2% in April. That's the most significant increase since September of 2008.
Prices rose 0.8% on a monthly basis… but some items cost a LOT more than they used to. What happened?
Did you financially support your adult children during the pandemic? - Ted Rossman the industry Analyst for CreditCards.com gives perspective.
You've got some cash sitting on the sidelines… the question now is how do you invest it??
Kids embraced their entrepreneurial spirit during last year's lockdown… so how much did you pay them?
Focus on the investment risks you can control… not the doom-and-gloom headlines.
Why Nelson Peltz may be quietly exiting Procter & Gamble,
You pay A LOT to protect your home--getting the most out of your homeowners insurance.
Are you a do-it-yourself retirement planner? Here are the bases you need to make sure you cover, no matter who is planning your financial future.
Cleaning out the "stuff" that you accumulated over the pandemic? The tips, tricks, and pitfalls of selling on these popular online platforms
The job market had a major "whiff" when economists expected 1 million new jobs in April… and only saw 266,000. Is this a bump in the road or a serious threat to America's economic recovery? - Andy Stout, Chief Investment Officer discusses.
Your car is SUPPOSED to be a depreciating asset. Well, that's not exactly the case right now.
You pay your financial advisor A LOT… making sure you get your money's worth.
You're used to skimming through or auto-paying your bills. But on this one, you'll want to pay closer attention.
When "hybrid work" arrives in full force, you can count on more challenges… how often can you still work from home?
Disappointing jobs report
Don't fall for the hot stock tip. Slow and steady wins the race
Estate planning mistakes that could cost your thousands
Your 401(k) isn't perfect… but it's one of the better savings vehicles you have.
Are you still feeling the late-stage pandemic burnout?
How do you know when you are ready to retire?
How can you "spoil the data" that MASSIVE tech companies… and some foreign adversaries may be using to watch your shopping patterns? Tech Expert Dave Hatter has the details.
The hidden impacts of high home prices on buyers, sellers, and those who have NO intention of leaving their home.
How much should you spend on a first date?
Having trouble making vacation plans? By the time you're out of traffic you'll know the travel trends affecting your wallet, if the rental car shortage is getting any better… and some of the best Memorial Day flights for any budget.
Every week we go to Simply Money University and go over the basics of investing and financial planning. This week, the retirement changes that you're worried about… and the ones you can really plan for.
The hidden costs of building your own home with Michelle Sloan from SloanSellsHomes.com
What are the "rules of debt"
Did you think subscriptions were just for your tv? Some of the new monthly fees coming to cars..
The American economy is almost back to pre-pandemic levels and major stock indexes continue to flirt with all time records… so what should you do as an investor? Andy Stout, Chief Investment Officer discusses.
You may not want to know what your kids are watching on TikTok… but they may be getting some TERRIBLE financial advice there.
Al Riddick, founder and president of Game Time Budgeting, talks about the need for some help to budget your summer getaway.
The federal government rushed to dole out unemployment benefits at the height of the pandemic… and now they're finding that many of those in line weren't exactly honest.
You've heard about the global chip shortage…. Here's how this BIG economic problem is affecting your wallet right now.
Amy and Steve break down summer vacation costs, the best deals during Greater Cincinnati Restaurant week, and take your questions about money and retirement.
Al Riddick, President of Game Time Budgeting, joins the show to discuss how you can turn good financial intentions into real action.
Nathan Ed and Amy
1 - Long term investment goals
2 - Simply Money University
3 - Death benefits and social security
4 - Gold? good or bad?
5 - Save money by exercising
Nathan, Ed, and Amy discuss
1 - Put a financial plan in place
2 - What to do if you get a large lump sum of money
3 - Boost your credit score
4 - 3 Social Security mistakes not to make
5 - Travel nightmares
Nathan, Ed, and Amy discuss
1 - Jobs and wages
2 - Stock Market Myths
3 - Jobs report
4 - Simply Money Sunday Enquirer Article
5 - Employers are looking for "ninjas", "gurus", and "rock stars"
Nathan and Ed
1 - Macy's closes downtown
2 - Simply Money Locker Room
3 - Helping parents with finances
4 - New Year's money goals
5 - Travel backup plan
Nathan and Ed discuss
1 - 401ks
2 - Simply Money Mailbag
3 - Should you use a travel agent?
4 - Bouncing back from a money mishap
5 - Recovering from holiday spending hangover
Ed and Amy discuss
1 - Economy 2018
2- Simply Money University
3 - Military families benefits
4 - Money resolutions
5 - Gift exchanges
With the new year comes stock predictions. Ed and Amy explain why you should ignore these and invest for the long-term.
Start the new year right! Nathan, Ed and Amy share tips on how to talk about money with family.
Have you ever thought about who your "financial role model is?" Nathan, Ed and Amy share theirs and wait until you hear about Ed's and why.
Ed and Amy discuss . . .
1 - If you get a bonus, save and invest
2 - Kids and money
3 - Real estate agent or sell it yourself?
4 - Classic Christmas movies
5 - Save money on holiday dining
Ed and Amy discuss . . .
1 - Tax Bill
2 - Simply Money Mailbag
3 - Happy birthday 401k
4 - Stock buybacks
5 - Creative tax deductions
Nathan and Ed discuss . . .
1 - Nelson Peltz and Tax reform
2 - What to do if you have holiday travel delay
3 - Impact on your credit score
4 - Year end tax tips
5 - Loyalty programs
Nathan and Ed discuss . . .
1 - Details in the tax bill
2 - Managing for retirement
3 - How to get home insurer to pay up
4 - Simply Money Enquirer article preview
5 - Don't finance your couch!!
Nathan, Ed, and Amy discuss . . .
1 - FOX / Disney merger
2 - Simply Money Locker Room
3 - Holiday scams
4 - Lessons learned from "A Christmas Carol"
5 - Gift giving alternatives
Nathan and Ed discuss . . .
1 - We have a tax bll!
2 - Fed raises rates
3 - What kind of investor are you?
4 - Simply Money Mailbag
5 - How stores make you spend more than you budget
Nathan, Ed, and Amy discuss
1 - What is bit coin?
2 - Simply Money University
3 - Tax reform bill
4 - Scroogenomics
5 - Home prices in winter vs. summer
Ed and Amy discuss . . .
1 - Are you helping your adult kids too much?
2 - Are you happy with your financial situation?
3 - Charitable giving
4 - Look out for holiday scams
5 - Make sure you use all your vacation time
Nathan and Ed discuss . . .
1 - Jobs report
2 - Tax reform bill
3 - Jobs report
4 - Simply Money Enquirer article
5 - Customer service
Nathan and Amy discuss . . .
1 - GE Layoffs
2 - Tax reform bill
3 - Social Security basics
4 - 2017 Financial regrets
5 - Games and gifts to teach kids about money
Nathan and Amy discuss . . .
1 - How does the avg. person spend their money?
2 - Simply Money University
3 - Estate planning and divorce
4 - Take all your vacation time!
5 - Shopping in the year 2025
Nathan and Amy discuss . . .
1 - Tax Reform Bill
2 - Unnecessary 401K risks
3 - Annuities
4 - More people are in debt than ever before
5 - Saving on Christmas dinner
Nathan and Amy discuss . . .
1 - Tax reform bill
2 - Don't fall for these sales traps
3 - Year end giving
4 - Simply Money Sunday article
5 - Learn to budget
"RMD" or Required Minimum Distribution. Your parents need to know or it could cost them a lot!
Nathan, Ed, and Amy discuss
1 - Holiday shopping season
2 - Getting a holiday bonus? Make the most of it by investing
3 - Applying for Social Security
4 - Questions you should be able to answer about your 401K
5 - Don't break the bank this holiday season
Ed and Amy discuss . . .
1 - Retirement savings options
2 - Holiday travel tips
3 - Gifting
4 - FSA vs HSA
5 - History of Black Friday
Ed and Amy discuss . . .
1 - Retirement may come sooner than you think
2 - Retirement strategies
3 - Should you open that store credit card this Christmas shopping season?
4 - Become a Black Friday shopping pro
5 - What to do if your credit / debit card is stolen this holiday.
Ed and Amy discuss . . .
1 - Ways your employer could be jeopardizing your 401K
2 - Responsible credit card usage
3 - Year end giving
4 - PG Proxy fight....with a twist
5 - Simply Money rules for buying a car
Ed and Amy discuss . . .
1 - PG Proxy fight not over yet
2 - Simply Money Locker Room
3 - How to trim your tax bill
4 - More on Nelson Peltz
5 - Cutting your cable bill
Nathan and Ed discuss. . .
1 - Rules for investing
2 - Simply Money Mailbag
3 - Real estate as an investment
4 - How to ask for a raise
5 - Beware of "porch pirates"
Nathan, Ed, and Amy discuss . . .
1 - Financial rules to live by
2 - Simply Money University
3 - Future of Social Security
4 - Phishing scams
5 - Are you using your checking account properly
Nathan, Ed, and Amy discuss . . .
1 - What is going on at GE?
2 - How to get entirely tax free retirement income--- Simply Money will analyze the WSJ article
3 - 2018 COLA
4 - Black Friday secrets store don't want you to know
5 - Have someone else research your travel plans
Nathan and Ed discuss . . .
1 - Veteran's Day salute
2 - Preview of weekend Simply Money article
Nathan, Ed, and Amy discuss . . .
1 - The Senate tax reform bill
2 - Simply Money Locker Room
3 - Veterans Day
4 - Best strategy to make more money
5 - How the 'robots' will take over holiday shopping
Nathan, Ed, and Amy discuss . . .
1 - 1 year anniversary of Trump election . . . How is he doing?
2 - Simply Money Mailbag
3 - Teaching pre teens about money
4 - Did you take all your vacation days?
5 - Fake news and social security
Nathan, Ed, and Amy discuss
1 - Are you being chested on . . .financially?
2 - Simply Money University
3 - Estate Taxes
4 - Why did my loan application get rejected?
5 - How to get a refund
Nathan, Ed, and Amy discuss
1 - What do you have to do before you even think about retiring
2 - Look out for hidden college fees
3 - Helping your aging parents with money
4 - Social security misinformation
5 - Help your kids make smarter financial decisions
Nathan and Ed discuss . . .
1 - The unemployment rate
2- More focus on the tax reform bill
3 - Jobs!
4 - Preview of Simply Money weekend article
5 - Savers getting some tax breaks from Uncle Sam
Nathan, Ed, and Amy discuss . . ..
1 - The Trump tax reform bill and you
2 - Who is Jerome Powell?
3 - Helping an aging parent with finances
4 - Did the tax bill take a bite out of your 401K?
5 - Fall chores now will save you money this winter
Nathan and Ed discuss . . .
1 - The tax reform bill is delayed...what does it mean to you?
2 - Simply Money Mailbag
3 - Jury Duty
4 - What do the different retirement accounts do to benefit you
5 - Cash or credit?
Nathan and Amy discuss . . .
1_ The average savings rate in America will "scare" you
2 - Simply Money University
3 - Finding missing funds
4 - Tricks or treats when buying a new car
5 - What is your financial fear?
Nathan and Amy discuss
1 - Will the stock market spook you this Halloween?
2 - Time for open enrollment. What should you consider?
3 - Taking care of family in turning into a full time non paying job
4 - Will Congress change your 401K
5 - What is insurance cover just in case you have a Halloween accident
Nathan and Ed discuss . . .
1 - The US Economic report card . . . all high marks
2 - Be careful before you "help anyone" financially
3 - Ways to save on healthcare
4 - Simply Money weekend article preview
5 - Saving money on your winter energy bills
Nathan, Ed, and Amy discuss . . .
1 - Are you satisfied with your money situation?
2 - Simply Money Locker Room
3 - BBB Scams
4 - What are your money goals?
5 - Protecting your identity
Nathan, Ed, and Amy discuss
1 - Home equity line of credit? Not a good idea.
2 - Simply Money Mailbag
3 - Remodel your home the right way
4 - What is the social security motherhood penalty
5 - Are you saving enough?
Nathan and Amy discusses . . .
1 - Different 401K options
2 - Simply Money University
3 - Americans financial regrets
4 - The financial industry's male problem
5 - Get your holiday budget ready
Nathan, Ed, and Amy discuss . . .
1 - Your 401K and tax reform
2 - Check your sources when you see info on the internet about your money
3 - Future of social security
4 - Avoid phishing scams
5 - Are you using your checking account properly?
Nathan and Ed discuss . . .
1 - 2 big companies . . .2 big challenges
2 - The IRS is letting you put more in your IRA . . .should you?
3 - Credit freeze myths
4 - Simply Money Weekend Article Preview
5 - Should you get up at 4AM on Black Friday?
Nathan, Ed, and Amy discuss . . .
1 - 30 years ago today . . . Black Monday
2 - Simply Money Locker Room
3 - Using a realtor vs. FSBO
4 - Ways to boost your credit score
5 - Are bad habits breaking your budget
Nathan and Ed discuss . . .
1 - Will we see a crash if there is no tax reform this year?
2 - Simply Money Mailbag
3 - When to hire a travel agent
4 - Credit or debit card?
5 - Sweetest Day Scammers