Make Your Money Matter: Recent Episodes
Brad Barrett
Make Your Money Matter is a show dedicated to separating myth from truth, so you may avoid the most common mistakes many Americans make with their money and make better financial decisions.
Your host Brad Barrett, CFP® is a Managing Director and Partner at One Capital Management, a top ranked independent investment advisory firm managing over $2.5 Billion in assets for clients across the country. He has advised individuals and families for over 15 years, is an active member of Kingdom Advisors, a biblically based advisory network and holds the Certified Financial Planner™ designation.
With recent volatility in the market, it is easy to panic. However, what may look one way, could mean opportunity!
On today's show, Brad addresses our concerns as it pertains to current market shifts, reminding us all that this is not uncharted territory and to just stay the course.
Listen Now!
Show Highlights Include:
- This Has Happened 17 Times. (2:27)
- Retirement Dates Are Chapter Transitions. (6:50)
- The Butterfly Effect And Global Markets. (8:49)
- Why Not Own Concentrated Positions? (12:51)
- It’s Mundane, Yet So Important. (14:16)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Recently, Former President Donald Trump proposed that the U.S. replace taxes with tariffs. This had politicians on both sides of the aisle scratching their heads. Although this could be a good idea, “in theory”, it will not likely happen.
Today, Brad gives a little history on tariffs and taxes, along with some unbiased data and insight.
Listen Now!
Show Highlights Include:
- Is It ALL It Is? (1:37)
- Battleship In A Bathtub. (6:21)
- Trying Again And Again, Until It Works. (8:03)
- History Of Tariffs And Taxes. (10:36)
- When There’s No Pain To You, It Doesn’t Matter. (13:08)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Ready or not, we have an election coming up this November and many of us are bracing to see how the market responds. But do elections REALLY have an affect on the stock market?
Today, Brad takes us through a 100 year timeline on election data and how it coincides with the U.S. market. The results may surprise you.
Listen Now!
Show Highlights Include:
- The Stage Is Set. (2:16)
- “Mr. Boring’s” Method Actually Works. (6:12)
- What Does It REALLY Look Like? (9:28)
- How Do They Close The Inequality Gap? (12:04)
- Allowing THIS To Work, Is Key. (17:05)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
If you have been following news pundits on the subject of inflation, you might be scratching your head, but also becoming a little impatient… for good reason.
Today, Brad walks us through discussions in the media regarding inflation and interest rates. And with so many rumors and opinions, it is hard to find the real story. We have you covered!
Listen Now!
Show Highlights Include:
- Right Money, Wrong Denomination. (3:31)
- Moving From Scarce Reserve, To Abundant Model. (5:28)
- Super Core Inflation. (9:03)
- Less Wrong More Often. (11:04)
- Don’t Be Sold A Bill Of Goods. (13:32)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Would it surprise you that the global population over the age of 65 is expected to double from 10% to 20% by the year 2060? This increase in longevity concerns many people as it pertains to their retirement.
On today’s show, Brad takes us through 3 ways all of us can address the question of, “Will I have enough money in retirement?”
Listen Now!
Show Highlights Include:
- A Great Achievement, But Greater Risk? (2:24)
- The Most Important Thing. (5:26)
- Only 1/2 Of The Story. (8:39)
- A Road Traveled Before. (12:15)
- Enjoyment… The Goal Of Everyone. (14:28)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Behavioral traits have a lot to do with the success and failure of managing our money. Today on the show, Brad shares 5 habits we should all stay away from, that could be keeping us “broke” or simply hindering us from reaching our financial goals.
Listen Now!
Show Highlights Include:
- Habit 1: Overspending. (4:55)
- Habit 2: Waiting For The Wrong Reasons. (6:23)
- Habit 3: Taking On Too Much Debt. (8:40)
- Habit 4: Not Paying Attention. (11:38)
- Habit 5: Not Understanding Limited Beliefs. (13:10)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Having the right team around you, matters... especially when it comes to our money. Today, Brad breaks down the 7 million dollar contract Shohei Ohtani signed with the LA Dodgers this off-season. The way it is structured will shock you… but there is much we can learn about planning for the future.
Listen Now!
Show Highlights Include:
- The Largest MLB Contract In History. (2:10)
- Age Is Only A Number. (4:55)
- It's Hard To Beat The Team Approach. (6:48)
- Taxes Are At The Top Of The List. (12:01)
- What Is Your Batting Average? (15:50)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Dating back to the 13th century, the "Grain of Rice" fable has long been told in order to teach the simple concept of compound interest.
Today, Brad shares this important tale and how it relates to the Rule of 72. You don't want to miss this tried and true investing tip!
Listen Now!
Show Highlights Include:
- The Grain Of Rice. (2:50)
- Seeing The Light. (7:27)
- Why You Should Think Long-Term. (9:05)
- Even If The Truth Hurts. (11:01)
- The Rule Of 72. (12:47)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Perception and interpretation are very different… and when it comes to the economy, these can get very convoluted. Those who are more optimistic may see a more promising year and those who are more pessimistic could be more skeptical.
On today’s show, Brad breaks down the famous and ambiguous illustration of the Duck and Rabbit, and how we should be looking at the economy as a broader picture.
Listen Now!
Show Highlights Include:
- The Duck / Rabbit Picture. (1:43)
- A Promising Or Struggling 2024 Economy? (3:59)
- The Perception Of One, Voids The Other. (5:58)
- We Must Look At The Whole Picture. (7:01)
Source: https://en.wikipedia.org/wiki/Rabbit%E2%80%93duck_illusion
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.
Today, Brad discusses where we are versus where we have been when it comes to retirement, reminding us all that our age does not really matter.
Listen Now!
Show Highlights Include:
- Age Is Just A Number. (1:40)
- Looking Back To See Forward. (4:25)
- Breaking Down A Legged Monster. (11:00)
- Contribution, Prevention And Delegation. (14:59)
- It’s Not Your Grandma’s Retirement Any More. (20:42)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
With 2024 comes an election year, and a top concern for many of us will be the economy. However, the big question will be, “Will there be any clear answers to what is broken?”.
Today on the show, Brad paints a clear picture to what has happened over the course of a few years regarding government spending and reminds us to look in the mirror and put our own money in perspective.
Listen Now!
Show Highlights Include:
- Cats And Dogs. (1:15)
- A Spending Rundown. (3:25)
- Budget Battles. (6:32)
- Looking Into The Mirror. (9:46)
- It’s Going To Get Hot And Heavy. (12:20)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
With 2023 behind us, it is always good to reflect on the year we had but more importantly what lies ahead in 2024.
On the first show of the new year, Brad talks what the "experts" got right and what they got wrong in 2023... reminding us that no matter how this year turns out, we must ask ourselves, "Can my portfolio weather a storm?".
Listen Now!
Show Highlights Include:
- Tiger Woods Was Not A Winner. (1:42)
- Is Your House In Order? (6:04)
- Experiencing Bear Markets Gets Easier. (10:15)
- What Dominates Your 50,000 Thoughts? (12:44)
- Can Your Portfolio Weather A Storm In 2024? (13:56)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
We have all heard the true story of Christmas... The Savior, Mary and Joseph, the stable and wise men, but there is a different way to look at it.
Today on the show, Brad sheds light on the In Keeper who only had a stable for for Mary and Joseph. This new perspective may surprise you!
Listen now.
Show Highlights Include:
- The Story Of Old. (1:38)
- An Abuse Of Power. (4:23)
- Love Conquers All. (6:25)
- A Great Reset. (8:10)
- Focus On The Good. (11:15)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Where are you in your financial world? Are you looking to buy or sell? These have different pain points regarding current interest rates. However, making sure we take a global view as it relates to how those rates got here and where we are going, may be a great perspective.
Today on the show, Brad discusses what the Federal Reserve should do in 2024 as it relates to the broader economy.
Listen now.
Show Highlights Include:
- Neutral Or Natural Rates? (2:45)
- It Is NOT Time To Claim Victory. (6:31)
- Remember Mark To Market Accounting? (9:02)
- Looking Behind The Curtain. (12:54)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
It is easy to get caught up with current events going on around the world and even what is going on in the markets. With information at our fingertips, distractions are an every day occurrence… the same goes with our money.
Today, Brad’s challenges us to think about and discover the purpose of our money as it relates to our investments, retirement and the goals we set out to achieve.
Listen now.
Show Highlights Include:
- The Screwtape Letters. (1:34)
- Stay In Your Lane. (4:10)
- If You Quit Working Tomorrow. (7:12)
- Like A Ride At Six Flags. (10:40)
- Bold Prediction. (14:09)
- You Are Not Less Than. (18:11)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Has America been a more divided nation? Actually yes... But let us all remember to be gracious and kind to one another and most of all THANKFUL for what we have this Thanksgiving.
Show Highlights Include:
- Division Is Nothing New. (:33)
- Just Be Kind. (1:43)
- The Autumn Harvest of 1621. (2:57)
- The Cornerstone Of Society. (6:19)
- The election Of 1960. (9:01)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
We have all heard the phrase, “Nothing Is FREE”. But not all prices appear on labels… in particular the markets and volatility.
On today’s show, Brad helps us better understand volatility, value and managing the long run when it comes to our money. Plus, he offers a FREE gift!
Listen now.
Show Highlights Include:
- Diversification Matters When Things Are Over-Bought. (4:03)
- When GE Sold For Scraps. (6:20)
- Sit Back And Let Your Money Compound. (10:17)
- The World Is Never That Nice To Us. (14:02)
- Are You Planning On Living For Only 2 Years Of Retirement? (16:26)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Most people try to avoid any situation that is volatile because they generally involve risk. But when it come to investing, it could be misleading to believe volatility equates to risk.
In today’s show, Brad discusses this topic of variability in a story driven way, plus educates all of us on how to filter the financial “noise” we hear every day.
Listen now.
Show Highlights Include:
- Avoiding Risky Volatility. (2:06)
- Your Time Horizon May Be Short. (4:47)
- The Story Of “Mr. Market”. (6:38)
- Don’t Become Part Of The Herd. (10:23)
- There’s A Laundry List Of Risk. (11:39)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Did you know that 1 in 5 married couples say that finances is the greatest issue they face in their relationship? Money and finances can be a very uncomfortable topic for many couples, but there is hope.
Today on the show, Brad shares 5 tips to becoming a successful financial couple.
Listen now.
Show Highlights Include:
- Financial Incompatibility Is A Thing. (3:02)
- More Often, One Is In The Dark. (6:10)
- Prioritize Your Tomorrow. (7:37)
- Embrace The Hard. (8:50)
- Time Is Your Greatest Commodity. (10:46)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
As we move into the 4th quarter of 2023 and take a look back on the year, the word “Volatility” stands out like a giant billboard sign. But what if volatility was not as bad as it is made out to be?
On today’s show, Brad defines, measures and brings context to volatility, reminding us that today’s concerns are tomorrow’s past.
Listen now.
Show Highlights Include:
- The Word, "Context". (2:18)
- The Definition Of Volatility. (5:45)
- Measuring Volatility. (7:07)
- Not Good, Not Bad... It Just IS. (10:56)
- Today's Concerns Are Tomorrow's Past. (13:09)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
How much would you pay for advice? Oddly enough, many people will spend large sums of money on people and things, hoping to improve their lives but will focus less on financial advice.
Today, Brad breaks down the 3 components of wealth management and discusses how our own biases can hold us back when it comes to return on investments.
Listen now.
Show Highlights Include:
- An Open Heart. (1:59)
- Where The Rubber Meets The Road. (4:53)
- Quantifiable & Unquantifiable. (6:49)
- Wealth Management Has 3 Legs. (12:44)
- Guidance When It is Needed Most. (19:06)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
There are a lot of misconceptions when it comes to life insurance and for some it can be an uncomfortable subject matter. However, with September being life insurance month, now is a great time to discuss it with your financial advisor or professional.
On today’s show, Brad discusses 6 myths around life insurance, as well as how to use it, when to use it and for whom may need it.
Listen now.
Show Highlights Include:
- 2 Paths To Needing Life Insurance. (3:19)
- Are You Old Enough? (5:23)
- Investment VS Expense. (6:30)
- Is Group Life Sufficient? (10:01)
- What About Pre-Existing Conditions? (13:17)
- Do Not Be Sold, Be Provided. (15:04)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
When we lose a loved one, making the grieving process less painful is challenging. There are many decisions to be made and it can be a daunting task.
Today, Brad shares a helpful checklist that could help us all manage the grief we may go through when someone we care about, passes away.
Listen now.
Show Highlights Include:
- Rationalizing Grief. (2:48)
- The Emotional Checklist. (4:59)
- How Insurance Can Come Into Play. (7:40)
- Bill Related Financial Affairs. (9:18)
- Do Not Do These Things. (11:13)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
After the recent and tragic events in Lahaina, Hawaii, Brad reflects on his time living on Maui and the rush of emotions that has flooded his family's mind.
Today, Brad reminds all of us how money is not always rational and if we lose ourselves emotionally when it comes to our finances, it could be a detriment to our overall financial journey.
Listen now.
Show Highlights Include:
- Love For Lahaina. (2:15)
- When Was The Last Time You Thought About Money? (4:17)
- Fear and FOMO. (11:06)
- Did Someone Say Oreos? (14:17)
- Money Is Not Always Rational. (17:05)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
People are behavioral beings and many times we bring our behaviors into our financial life, which could hurt us in the long run, causing us to make wealth destroying decisions.
Today, Brad reveals 6 questions your advisor should be asking you, encouraging us all to have open dialogue with those helping us with our finances so we can protect what we have worked so hard for.
Listen now.
Show Highlights Include:
- Our Brains Have What? (1:54)
- What Do You Have And Why Do You Have It? (6:01)
- Our Objectives Change Over Time. (8:20)
- Budgeting Is For Fools. (12:08)
- The First Step Is Taking Action. (15:21)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Recession has been a looming word over the past year or so and by now many have become a bit numb to the topic. However, there are a couple of interesting theories around recessions and how they relate to our finances.
Today, Brad gives some education, background and history when it comes to recessions and how it relates to mortgages, Wall Street and more.
Listen now.
Show Highlights Include:
- This Is One Generation Away From Extinction. (3:33)
- Austrian vs Keynesian School Of Thought. (4:28)
- An Economic Black Hole. (9:03)
- This Is Up 121 Billion Dollars! (10:23)
- It's All About The Little Things. (11:27)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
A current buzzword in the media as it relates to money and investments is Artificial Intelligence. Right now, the Magnificent 7 (Meta, Google, Amazon, Apple, Microsoft, Tesla and Nvidia make up 28% of the S&P 500 value. This is unprecedented.
Today, Brad breaks down what this could mean for your investments and the future going forward.
Listen now.
Show Highlights Include:
- The Gold Rush And A.I. Have This In Common. (4:34)
- What Is The Magnificent 7? (8:07)
- Companies Who Mention A.I. Get A Boost. (10:21)
- Are We In An A.I. Bubble? (12:47)
- Be The Merchant Rather Than The Miner. (17:13)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Like the changing of seasons, financial planning has patterns. In fact, there are 3 phases in life all of us will go through when it comes to our financial journey. Knowing where you are in yours could help you plan much better.
On today's show, Brad shares the 3 financial phases, hoping you will discover which you are in so you can move toward financial freedom.
Listen now.
Show Highlights Include:
- Financial Planning Is Like The Changing Seasons. (2:10)
- The Build And Grow Phase. (8:25)
- The Transitional Phase. (9:45)
- The Distribution And Deployment Phase. (11:57)
- Always Plan For The Next Phase. (13:29)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Is there any investment that is "Risk Free"?... Not exactly. However, there are options out there that are not the most "sexy" but have much lower risk, which could be appealing to some investors.
On today's episode, Brad shares the differences between Treasury Bills and Treasury Bonds, plus how to purchase them and why they could be a great addition to your portfolio.
Listen now.
Show Highlights Include:
- Bonds Run The Market. (2:23)
- A Spoiled 15 Years. (5:14)
- Where Are The Risk Free Rates? (6:29)
- How To Purchase Treasury Bills. (8:45)
- Treasury Bills vs Treasury Bonds. (12:07)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
If the things you thought were true were actually wrong... when would you want to know? With regards to finances, misconception can cause costly consequences.
In today's episode, Brad explains how your financial freedom rests on understanding WHAT you are doing with your money and WHY you are doing it.
Listen Now!
- Carrying Around Half Truths. (1:44)
- Money Is Like Water. (5:05)
- Financial Security vs Financial Freedom. (8:52)
- Building Passive Income With Value Investing. (11:43)
- Do Not Fail To Understand This. (13:14)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Many of us stress about where we will be financially in retirement and often ask the question, "Will I have enough to last?"... What it takes to protect what you save for retirement can be quite simple.
Today on the show, Brad shares 5 things that could help everyone achieve their retirement planning goals, reminding us that it is not WHAT you own but HOW you own it.
Listen now.
Show Highlights Include:
- Just Answer With A YES! (3:04)
- Protecting What You Save. (4:15)
- Have An Income Plan. (6:06)
- Work Out Your Health Care Options. (8:57)
- Public Enemy Number One... TAXES. (10:50)
- Estate Planning Is A MUST. (12:59)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
With continued media buzz around the U.S. debt ceiling, it has many people concerned but also short-sighted about how long the U.S. has actually been in debt... and if we as a country are in trouble when it comes to the debt we are holding.
In today's show, Brad takes us through a historic timeline of the U.S. federal debt going back to our independence in 1776. The details are fascinating.
Listen Now!
Show Highlights Include:
- The Timeline Of U.S. Debt. (2:24)
- What Brad Is Concerned About. (6:25)
- Context Matters Around The Debt Ceiling. (8:38)
- Debt Is The Issue, But Not The Issue. (9:54)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
For most of us, the only place we hold our cash is in a bank... because that's what most of us know. But what if there were some alternative places to put your cash? The answer is: There are 5.
In today's show, Brad shares 5 places you can hold your cash that could provide very positive returns.
Listen now.
Show Highlights Include:
- What Does Your Bank Balance Really Mean? (1:57)
- FDIC Suite Programs. (3:57)
- Money Market Mutual Funds. (4:43)
- Are Treasuries Still A Thing? (6:25)
- Short Term Bonds Baby! (7:38)
- Whoa, Whoa, Whoa... Stocks? (8:45)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
With the debt ceiling conversation leading the news AGAIN, and with volatility running amuck, it has many people asking the question... "When should I get into the market?"
On today's show, Brad shares his take on when to get into the market and his answer may not be what you expect.
Listen now.
Show Highlights Include:
- Surf's Up When Investing. (2:10)
- Volatility Can Be Your Friend. (5:23)
- No One Grows Wealth By Sitting On The Sidelines. (8:14)
- Paying Rent To The Risk Taker. (9:45)
- Bears Are Smart, Bulls Make Money. (11:05)
- Learn From Your Mistakes, Or Repeat Them. (13:35)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Within the next couple of decades, the largest transfer of wealth will occur in generational history. What we can glean from those born between the 1920's and 1960's is immeasurable.
In today's show, Brad shares his very vulnerable conversation he recently had with his 93 year old grandfather and what we can all learn about money from those who came before us.
Listen now.
Show Highlights Include:
- The Difference In Having Money At 18 Versus 93. (3:56)
- When Money Goes From A Stressor To A Comfort. (8:02)
- What Brad's Grandfather Would Say To A Young Person Today. (11.50)
- The Largest Wealth Transfer In History. (15:06)
- 3 Things My Grandfather Wants You To Remember. (19:15)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
We have been on the cusp of a recession for quite some time. Some would say we have been in a recession for awhile... No matter if we are or we aren't, these talks make the headlines daily. But, does it change what most of us already know about the economy?
In this episode, Brad shares 3 things to recession proof your retirement in whatever stage of life you are in, reminding us it is better to be proactive versus reactive.
Listen now.
Show Highlights Include:
- Recessions Are Called In The 11th Hour. (3:58)
- Think Long Term, Look Over Your Plan. (7:40)
- Look For An Advisor. (9:45)
- Protecting Your Portfolio Through Diversification. (11:28)
- This Week In History. (14:22)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
The debt ceiling conversation always seems to be on the news rotation. Although there will be rhetoric and brinksmanship attached to these headlines, there is always more to the story.
In today's episode, Brad gives a short history lesson on debt and shares an in depth look of what is really going on.
Listen now.
Show Highlights Include:
- When Debt Did Not Exist. (2:16)
- Paying Off The Mortgage May Not Be The Best idea. (5:08)
- We are Not Interested In A Company Without Debt. (9:12)
- The Trillion Dollar Question. (13.58)
- Debt Is The Symptom Of The Disease. (16:45)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Many of us battle our emotions as it relates to the decisions we make regarding our money. Unfortunately, this can lead to wealth destroying outcomes.
In today's episode, Brad discusses the concept of Time and Money and how together they could equal Freedom.
Listen now.
Show Highlights Include:
- Investing Is 10% Intellect And 90% Emotions. (1:58)
- Concepts Learned From High Net Worth Individuals. (4:17)
- Any Solid Plan Has This 3rd Grade Math Equation. (10:09)
- Get Paid For Decisions, Or Pay For Decisions. (15:24)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
With Spring in the air, it is a good reminder that just like seasons change, so do market cycles. So, it is important not to get caught up in media rhetoric or social media hype when it comes to our investments and the market.
In today's episode, Brad gives us a great analogy on seasons and investing and how we should be careful not to get lost in the current season of the market but be prepared for the next one.
Listen Now!
Show Highlights Include:
- Bear Markets vs Bull Markets. (1:49)
- Market Crashes Could Equal Sales. (3:35)
- Brad's Seasons And Investments Analogy. (7:12)
- Sometimes It's Just Better To Do Nothing. (9:30)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
If you have been listening to the current headlines, the state of the U.S. dollar has been a large topic of discussion and the question commonly asked is... "Will the world ditch the U.S. dollar?"
In this week's episode, Brad gives a short history lesson on the world's currency, plus the "What if..." scenario in regards to the U.S. dollar.
Listen now.
Show Highlights Include:
- The Bretton Woods Agreement. (1:49)
- What is BRICS? And is it flawed? (3:58)
- The "What if?" Scenario. (6:55)
- Whatever The Case, Diversify & Rebalance. (9:16)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
If we all stopped to think about who we were ten, five, even one year ago, we could all probably agree that we have grown and perhaps changed in certain ways. This also goes with our retirement planning.
In today's episode, Brad discusses life's changes, how we adapt and more importantly, how our mindsets may change about our retirement.
Listen now.
Show Highlights Include:
- Life Never Stops. (1:20)
- Your Retirement Reality. (5:28)
- What Is Your Financial Identity? (9:20)
- Life Finds Away To Get Messy. (14:33)
- As The World Changes, We Adapt. (16:40)
- Wealth Is About Having Options. (19:27)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
It is interesting how many of us improve our lives with different types of coaching, counseling and advising. However, many do not consider these when it comes to our money.
In today’s episode, Brad shares 3 pillars of advice when it comes to finances and why having a financial advisor is so important during times of market turmoil.
Listen now.
Show Highlights Include:
- A Vanguard Study (3:47)
- Pillar 1 - Portfolio Construction. (5:22)
- Pillar 2 - Wealth Management.(7:24)
- Pillar 3 - Behavioral Coaching. (8:48)
- Worry And Concern Are Not The Same. (12:12)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Last Friday, The Silicon Valley Bank collapsed and became the second largest bank failure in U.S. history. With the news media in a frenzy, this event has many individual investors wondering how it will affect their money.
In today's episode, Brad discusses Charles Schwab's company statements and what this bank collapse means for many of us.
Listen now.
Show Highlights Include:
- Charles Schwab The Custodian. (2:28)
- Breaking Down The Silicon Valley Bank Collapse. (7:40)
- Where Will the Cash Go? (11:39)
- One Capital Management's Conclusions. (13:50)
- Worry vs Concern. (15:55)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Investing has its ups and downs and for many, it is difficult to navigate the landscape. Understanding the investment "playbook" can be a challenge but it can be done with discipline.
In today's episode, Brad "gets real" about investing by sharing some of his personal journey, plus things to understand about your past that could create a better future for yourself.
Listen now.
Show Highlights Include:
- When Investing Clicked For Brad. (2:04)
- Remember The Past, But Don't Forget Your Future. (5:02)
- The Hustle Versus The Muscle. (8:08)
- Winning The Lottery. (10:27)
- Wanting Results Without The Work. (14.42)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
It's everyone's favorite time of the year... TAX SEASON! And for some, tax season presents many challenges... some old and some new. But there could be light at the end of the tunnel.
In this episode, Brad shares 3 very important frames of reference you should be discussing with your tax preparer. Plus, a little reminder of why we pay income tax in the first place.
Listen now.
Show Highlights Include:
- Did The 16th Amendment Make Sense? (1:25)
- Complying with The Tax Code. (4:01)
- Know These 3 Frames Of Reference. (6:05)
- Taxes Equal Planning. (13:26)
- Bring It All Up With Your Tax Preparer. (15:39)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Why do many people feel more secure holding onto cash? Is it upbringing or something learned from someone else? What if you were told that holding your cash could be costing you money?
In this episode, Brad discusses what you can do if you are sitting on cash and the options you have to make it to work for you.
Listen now.
Show Highlights Include:
- Rising Interest Rates. (2:04)
- Are You Parking Your Cash? (4:25)
- You Are Getting Wrecked. (7:45)
- Let's Play The Game Of The Banks. (10:55)
- Look At Your WHY! (15:10)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
One of the largest financial topics hitting the media today is the budget deficit. Currently, it is on an unstable path but being careful not to fall for false narratives is important. So, what should we do?
In this week's episode Brad gets to the root of the problem as it relates to the debt ceiling, as well as government spending and shares 5 key facts that impact stock prices.
Listen now!
Show Highlights Include:
- The Unstable Budget Deficit. (1:40)
- What Is The Root Of The Problem? (3:40)
- Does The Treasury Department Have It Covered? (7:15)
- 5 Factors That Impact Stock Prices. (10:35)
- We Must Curtail Overspending. (16:15)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
If the U.S. dollar bill weighs 1 gram, why does it weigh so heavily in our hearts?... And, how does it have so much power over our personal lives?
In today's episode Brad discusses how we can can control our outlook on currency. Plus, he shares some myths about millionaires and what makes them extraordinary. The answer may surprise you.
Listen now.
Show Highlights Include:
- Facts About Money That May Shock You. (1:33)
- What Does Money Cost Us? (4:50)
- The Real Meaning Of Worth. (8:03)
- Myths About Millionaires. (10:07)
- Fix Your Attitude! (14:17)
- You Don't Need A Lot Of Money To Get Counsel. (17:23)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
The Flying Wallendas were a group of stunt performers made famous for their tightrope walking, high-wire acts. But, their talented and notable walks weren't the only reason they were successful. In fact, some would say it was their preparation.
In this week's episode of Make Your Money Matter, Brad explains why planning coupled with "actively waiting" can be a recipe for successful investing.
Listen now.
Show Highlights Include:
- The Wonder And Preparation Of Nick Wallenda. (1:15)
- It Is Time To Watch The Grass Grow. (6:38)
- Companies Are On Sale And Prices Will Follow. (10:05)
- It Is A Wise Time To Invest. (13:33)
- One Capital's Rebalancing Act. (15:13)
- Question Of The Day (21:25)
Our emotions can affect many facets of our lives, especially our money. Unfortunately, emotional investing could devastate your portfolio even if you have good discipline.
In this episode, Brad exposes 3 biases that negatively impact our investments and the keys to identifying them.
Listen now.
Show Highlights Include:
- The Difference Between The Brain And The Stomach. (2:07)
- 3 Biases That Impact Your Investments. (5:25)
- What Is Group Think? (12:35)
- Neglecting A Probability. (16:44)
- Watch Out For The Anchoring Bias. (18:31)
- Our Spending Character. (22:13)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
George Clason once wrote, "Money is plentiful for those who understand the laws which govern its acquisition". Let's be honest, we all want to be financially free!
In today's episode of Make Your Money Matter, Brad shares 10 very important but simple money rules to live by in order to achieve financial success.
Listen now.
Show Highlights Include:
- It Starts And Ends With YOU! (1:50)
- Pay Yourself First And Keep An Emergency Fund. (3:02)
- Contribution Rates And Mortgage payment Rules. (9:10)
- Buying Or Leasing A Car And The 20/4/10 Rule. (16:41)
- Revisiting The Rule Of 72. (20:01)
- Are CD's A Good Place To Save Money?. (23:05)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
With 2022 behind us, we can now set our sights on a fresh new year. But can your investments hold the line in 2023?
In this week's episode, Brad shares the state of the economy, an outlook on housing and whether or not we can outrun a bear market.
Listen now!
Show Highlights Include:
- The Capitalized Profits Model. (1:51)
- Get In, Investing Shape. (7:10)
- Michael Jordan And Greatness. (9:40)
- 2023 Housing Outlook. (12:55)
- Do Not Try To Outrun A Bear. (19:25)
- What Are The New Contribution Rates? (20:51)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
As we enter the new year of 2023, many of us make New Year's resolutions. How about making a new financial resolution? If you want to save more, invest more or even get out of debt, now is the time to start.
In this episode, Brad takes us through the new 401k contribution rates, saving tips and information on integrating your tax planning with your overall financial strategy.
Listen now.
Show Highlights Include:
- Saving Can Be Daunting. (1:37)
- Dissecting the 15%. (6:58)
- Integrate Your Team. (11:31)
- IRA vs ROTH. (17:04)
- Financial Resolutions. (19:40)
- Question Of The Day. (25:28)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Since launching Make Your Money Matter in April of this year, Brad has shared and educated us on many tough, but important topics in the current financial climate.
As the year comes to a close, we decided to put together some of Brad's most memorable clips of 2022. Thank you for listening!... and if you are a subscriber, we appreciate your support! As always, make your money matter!
Listen Now!
Show Highlights Include:
- EPISODE 101 (1:14)
- EPISODE 107 (4:24)
- EPISODE 112 (7:52)
- EPISODE 121. (10:10)
- EPISODE 130. (12:23)
To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.
Why do so many men wait until the last minute to do their Christmas shopping compared to women? Although not meant to generalize gender stereotypes, there is interesting, yet humorous research on this topic.
In today's holiday episode, Brad takes us through a fun article that tackles the subject of why men procrastinate with last minute shopping and how it relates to procrastination when it comes to our financial planning.
Listen now.
Show Highlights Include:
- The Holiday Shopping Study. (1:33)
- Why Do Men Procrastinate? (3:11)
- Make Giving Meaningful. (5:54)
- Time For Reflection And Planning. (9:33)
- A Big Thank You To Listeners And Subscribers. (11:58)
- Brad's Last Minute Christmas Gift Ideas. (14:10)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
If you are planning on moving to a new state due to high taxes, high cost of living, remote work or several other reasons, there are many factors you need to consider. Moving to one of the 9 states mentioned in today’s show could lower your tax output and make your wallet a little heavier. However, just because a state has lower taxes doesn’t mean you’ll be happier.
In this episode, Brad reveals the pros and cons of 9 states with no state income taxes, to help you figure out which state would be the best to relocate.
Listen now.
Show Highlights Include:
- The Notable Nine States. (2:01)
- Alaska, Florida and Nevada. (5:07)
- New Hampshire, South Dakota and Tennessee. (8:42)
- Texas, Wyoming and Washington. (12:30)
- Consider ALL The Factors. (16:09)
- You May Not Be Aware Of This Tax Strategy. (19:16)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Fear and anxiety around your money can sabotage your approach to investing. Either your fear causes you to take unnecessary risks, or it makes you as conservative as sticking your money in a savings account. That’s the bad news. The good news?... Calming your fears is easier than you think.
In this episode Brad shares the 3 types of fears that could hinder your investing goals and some simple ways to overcome them.
Listen now.
Show Highlights Include:
- Breaking Down Fear. (2:26)
- 3 Of The Most Common Fears. (6:33)
- There Could Be Teachable Moments. (11:28)
- Crisis Brings Out The Best And Worst In Us. (16:15)
- The Human Connection And Oxytocin. (19:45)
- Health Versus Wealth. (21:05)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Political arguments pop up around Thanksgiving dinners all over America. But the point of Thanksgiving is to come together despite our differences. Dating back to the first ever Thanksgiving, it’s been a celebration that we all benefit from, especially when we disagree.
In this episode, you’ll discover the true importance of Thanksgiving and how you can get along with other people in your family, despite your differences.
Listen now.
Show Highlights Include:
- A Polarized Nation is Nothing New. (1:56)
- Autumn Harvest ,1621. (3:02)
- Freedom SHOULD Matter. (8:40)
- Are Elections And Holidays A Coincidence? (12:10)
- Our Gratitude For YOU. (15:28)
- Brad's Favorite Thanksgiving Dish. (17:00)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Having financial and investment knowledge is good. However, it doesn’t help make more money in the market unless you have wisdom and a good plan. So what’s the difference between knowledge and wisdom? Knowledge is what you know and wisdom is how you apply what you know to your life.
In this episode, Brad reveals how you can turn your knowledge into wisdom. Plus, ten helpful tips to help change your mindset when it comes to the concept of money.
Listen now.
Show Highlights Include:
- The Wisest Man In History (2:15)
- The Cost Of Inaction (6:18)
- 4 Steps To Invest. (9:54)
- Do You Know What Your Goals Are? (17:05)
- Brad's Top Ten. (19:58)
- Question Of The Day. (23:55)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
In sports, defense wins championships. And with investing, diversification wins returns. When you’re young, you have room to play offense and take risks. But as you get older, these risks could bankrupt your portfolio in a hurry. How do you protect your portfolio while maximizing your returns? Diversification protects your portfolio. And there are ways to diversify without sacrificing your returns.
In this episode, Brad discusses how our decisions (even the small ones) can make a huge impact with our money.
Listen Now!
Show Highlights Include:
- Snatching Victory from the Jaws of Defeat. (1:24)
- Remember Super Bowl XLIX? (3:09)
- Accumulation Equals Offense. (6:23)
- Winning Returns. (10:01)
- How You Choose To Perceive Retirement. (16:26)
- Election Cycle Stats (17:27)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
If you are worried about your money heading toward retirement, you are not alone. A popular poll suggests that 77% of pre-retirees are worried about a recession.
On today's podcast, Brad takes us through some very eye-opening stats that may not sit well with everyone. However, we are reminded that it is much worse in our imagination and that having a plan and staying disciplined is the key.
Listen now.
Show Highlights Include:
- Kiplinger Poll May Shock You. (1:45)
- The Elephant In The Room. (3:02)
- The More You Have, The More You Have To Lose.(7:39)
- Prof. Jeremy Siegel On CNBC (13:35)
- The Book: "Atomic Habits". (17:16)
- Do Not Create An Investment Plan Based On Stats. (21:21)
Source: https://www.yahoo.com/now/kiplinger-athene-poll-retirees-worried-131753028.html
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Is our economy "strong as hell" as stated by the Commander in Chief?... And what do baseball and investing have to do with each other?... With continuing discussion of whether or not the U.S is in a recession, who do we go to for the answer?
In today's episode, Brad introduces us to the umpire of economics and discusses the recession debate, reminding us to continue looking forward.
Listen now!
Show Highlights Include:
- Hall of Famer, Bill Clem (2:22)
- The Umpire of Economics (4:39)
- Who Has Investment Fatigue? (10:23)
- "The Economy is Strong as Hell" - Biden (14:10)
- Data is 3 Dimensional (18:27)
- The Market Looks Forward. (21:35)
Sources:
https://www.nytimes.com/interactive/2022/09/13/business/economy/us-economy.html
https://www.axios.com/2022/07/14/ice-cream-prices-inflation-sunday-deals
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
We have all seen the Dow Jones Industrial Average on financial news shows ticking at the bottom of the screen. However, many Americans have no idea what it actually is.
If this sounds like you, you are not alone. In this episode, Brad takes us on an in depth discussion of the Dow Jones, where it came from and how it works.
Listen now.
Show Highlights Include:
- Who is Charles Dow & Edward Jones? (1:11)
- The Second Index (3:43)
- The Town of Lynn, MA (7:07)
- Businesses and Technology Move In Cycles (10:03)
- Understanding Your Own Risk (13:29)
- Question of the Day (18:33)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Cryptocurrency, NFT's and SPAC's are THE topic of discussion when it comes to investments, especially in this day and age. But are these widely understood?
By popular demand, Brad gives a high level overview and well-informed insight on digital currency and whether or not it should be in the driver's seat.
Listen now.
Show Highlights Include:
- Peter Kell and Homer Pepe (1:34)
- The World of Cryptocurrency (5:45)
- No One Likes a "Backseat" Driver (8:36)
- Concentration vs Diversification (11:05)
- Understand your Investments (14:10)
- Which Digital Currency Is Best? (15:27)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
It seems like there is no end in site when it comes to today's market volatility and it is challenging for many people to keep their emotions in check. But how do we do that?
In this episode, Brad takes us on a journey of the psychology of money and teaches us that how we act matters more than what we know.
Listen now.
Show Highlights Include:
- We Have A Hangover (2:43)
- Morgan Housel (4:57)
- Managing Emotions (11:55)
- The Stock Market Is Not The Economy (19:25)
- Knowing How To Get Wealthy And Staying That Way (23:22)
- The Grander Scheme (27:42)
Source: https://www.kiplinger.com/personal-finance/602367/with-money-what-you-do-matters-more-than-what-you-know
The Psychology of Money: https://www.amazon.com/Morgan-Housel/e/B084ZNV1LR/ref=dp_byline_cont_pop_book_1
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
It feels like there is an economic challenge around every corner this year. With inflation, supply chain issues, conflict around the world and much more, many people are not sure what to do to protect their financial portfolios.
This week, Brad provides helpful tips to protect your nest egg whether you are still working or nearing retirement.
Listen now.
Show Highlights Include:
- The Good News (1:45)
- We Have Been SPOILED (3:43)
- The Stress Test (5:52)
- Maximize Your Savings (10:50)
- Fixed Expenses (13:53)
- Life Just Happens (18:27)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
We have all heard the word ROTH thrown around in the world of finances but what is it? Where did it come from and how do we use it?
In today's show, Brad takes a deep dive into ROTH IRA's and explains how it relates to taxes and how we can use ROTH's as a part of our financial portfolios.
Listen now.
Show Highlights Include:
- How You Own It (1:25)
- The 16th Amendment (3:01)
- Tax Rates Do Not Matter (7:02)
- Sen. William Roth (11:24)
- The 2 C's (14:28)
- Question Of The Day (19:38
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Four-time, NFL Super Bowl champion, Rob Gronkowski will most likely become a first ballot hall of fame recipient. However, beyond the titles, records and prestige, the "Gronk" did something unprecedented with his money... He never spent a dime of his NFL earnings.
In this episode, Brad shares what lessons we can all learn from the Gronk, when it comes to SAVING MONEY.
Listen now.
Show Highlights Include:
- Big Spenders Live For The Now (1:52)
- K.I.S.S. (7:07)
- Your Tomorrow Self (11:42)
- Retirement Projections (16:33)
- Keeping The Destination In Mind (20:27)
SOURCE: https://www.kiplinger.com/retirement/...
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
With many political moves coming out of D.C, there has come an abundance of skepticism as it relates to the Inflation Reduction Act. However, we should do our best to stay positive.
In this week's episode, Brad gives us the good, bad and ugly as we navigate through these uncertain times.
Listen now.
Show Highlights Include:
- It Could Be Worse. (2:26)
- Inflation Reduction Act Means: TAX HIKES (4:25)
- The Ugly Side. (7:41)
- Revenue Projections (10:29)
- The American Spirit. (13:58)
- Question Of The Day. (18:02)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
As we have all experienced, 2022 has been a whirlwind of volatility as it relates to our money and investments. So the question becomes: Should I keep investing during these uncertain times?
In this week's episode, Brad answers this question and takes us through a few key measures in order to keep all of us focused and disciplined on staying the course.
Listen now.
Show Highlights Include:
- Tying And Lacing (3:05)
- Know Your Income Score(5:59)
- Understanding Investment Timeframes (9:24)
- Filling Your Buckets (14:42)
- What Is Good Diversification? (21:12)
To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.
It is always a good thing to look back at where we have come, but even better to look where we are going. 2022 has been a whirlwind when it has come to market volatility but not all is negative.
In this week's episode, Brad discusses the One Capital Management Playbook he and other advisors have put together in order to inform and educate all of us about what has happened financially this year and where we are headed going into 2023.
Listen now.
Show Highlights Include:
- Behavior of Capital Markets. (3:21)
- Bonds Are Not Sexy, But Know This! (6:31)
- Flashing Signals of a Recession. (13:43)
- What Is SAHM? (16:25)
- Staying True, Rewards You. (21:06)
To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.
There are some very specific money myths or albeit, lies that many of us tell ourselves when it comes to finances. These myths in fact, could damage our approach when it comes to saving, investing and retirement.
In today's episode, Brad exposes these 6 money myths and encourages each one of us to be honest with ourselves to find out which ones WE believe and how to stop believing them, so we can make the most of our money.
Listen now.
Show Highlights Include:
- The Stork Theory. (6:02)
- I Deserve It. (8:38)
- The Coffee Buzz. (11:21)
- I Will Save More Later.. (14:31)
- Be Kind To Your Tomorrow Selves. (16:50)
- Wanting More Is Bad. (18:55)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Depending on where you get your information, some say we are in a recession and some say we aren't. However, at the end of the day, does it really matter?
Today, Brad describes how the experts determine whether we are in a recession or not and how there's more than just one indicator to measure it.
Listen now.
Show Highlights Include:
- Does it really matter? (1:37)
- More than just one indicator. (4:32)
- REAL consumption grew (7:20)
- The concept of growth. (10:46)
- Remember the two D's. (15:11)
- Can they redefine recession? (19:09)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Buying a home is a big decision. Today, Brad answers 3 key questions to help you decide whether buying a house is RIGHT for you: How much house can you afford? How much monthly income should go toward your home?...and Should you care about interest rates? The answers may surprise you!
Listen now!
Show Highlights Include:
- Mortgage Origin Story (3:15)
- 50 / 30 / 20 Rule (6:35)
- What About Interest Rates? (11:06)
- Your Bottom Line. (14:22)
- Savings & Loan Discussion (16:38)
- Question Of The Day (22:00)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Inflation is front and center of discussion right now in America and around the world. But how has it affected the supply chain and in particular, baby formula?
In this week's episode, Brad looks back at the cause of the baby formula shortage and how the federal reserves response to rising inflation has impacted all of us.
Listen now.
Show Highlights Include:
- Inflategate (1:34)
- An Oral History Of Baby Formula (3:08)
- How Did We get Here? (7:02)
- Rising Inflation. (10:56)
- Cold Hard Cash(18:44)
- Inflation And The Supply Chain Link (21:22)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Many Americans struggle with STRESS in general but 73% struggle with stress as it relates to their finances.
Today, Brad shares 7 ways we can reduce our stress and helps to identify whether or not we are causing some of the financial stress due to our own money moves.
Listen now.
Show Highlights Include:
- The Dutch Hunger Winter (2:30)
- The Data Do'n't Lie (6:32)
- Netflix and Too Many Choices. (10:33)
- The Mind Map. (12:05)
- The Magnificent 7. (13:38)
- What Money Problem Are YOU Causing?. (20:25)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Market downturns and volatility are hot topics in our current climate. Anywhere you turn, someone is talking about it. But sometimes, listening to the "noise" out there can cause us to be fearful.
In this episode, Brad discusses how we can adjust our outlook during market volatility by focusing on the rational mind instead of the emotional mind.
Listen now.
Show Highlights Include:
- Pulling teeth (1:48)
- Defining RISK (6:10)
- A 40 Year Reality Checklist. (9:50)
- Allocation Review(14:10)
- Dealing With Uncertainty In The Current Climate. (16:23)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Schools never taught us the fundamentals of money. Not knowing some key areas about money could deter you from becoming wealthy.
In this episode, you’ll discover the 5 things around money you may have never learned. Once you understand how money works, becoming wealthy is just a matter of time.
Listen now.
Show Highlights Include:
- The 8th Wonder of the World. (3:30)
- The Non Tangible Item. (6:21)
- Defining Bonds. (12:14)
- The 4 Letter word That Starts With "D". (16:17)
- Where Can I Invest? (21:06)
- Is Money Evil? (24:38)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
There has been a lot of information over the past few weeks about volatility in the markets and how political figures have been addressing economic issues.
In this episode, Brad breaks down the data points you will not hear in the mainstream media and suggests strategies to help keep you disciplined as it relates to your money and investing.
Listen now.
Show Highlights Include:
- You Lose, I Win! (2:02)
- Hurricane On The way? (6:12)
- Breaking Down The Employment Report. (8:20)
- Who Takes The Credit? (12:24)
- High Risk, High Reward. (19:16)
- The Short Answer Is YES. (22:42)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
The story of Atlantis can teach us all a valuable lesson on growth and sustainability when it comes to our money.
In this episode, Brad discusses what we should be focusing on when it comes to our investments and how much we should expect to receive from them.
Listen now.
Show Highlights Include:
- A song by Donovan. (:44)
- What you do not know about Atlantis. (2:03)
- The other side of growth. (5:05)
- The younger brother of rate of return. (9:25)
- Three variables of withdrawal rate. (14:27)
- Mental mistakes we make. (20:20)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
When it comes to retirement, one of the most common questions asked is "How much should I be contributing to my retirement?" The answer is not so cut and dry but may come by way of ripple effects and just keeping it simple.
In this episode, Brad helps us discover the best practices when it comes to contributing to your retirement.
Listen now.
Show Highlights Include:
- All about ripple effects (1:24)
- Contributions rule of thumb (6:03)
- Growthy stock is a word. (9:58)
- Don't turn down FREE money. (12:48)
- Concrete ideas that could work. (16:24)
- Rolling over your balance (19:22)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
We can all learn a valuable lesson from the life of Denis Diderot. Understanding the coined term, "Diderot Effect" and how it relates to our financial habits could give us insight on how to manage our debt.
Today, Brad defines GOOD debt versus BAD debt and provides strategies on how to tackle yours.
Listen now.
Show Highlights Include:
- Who was Denis Diderot? (1:23)
- Defining the GOOD and the BAD. (5:34)
- These stats may surprise you! (8:36)
- Have a game plan. (12:06)
- Get to the root. (18:20)
- Pay off debt or Invest? (21:14)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
The quest for perfection is really the enemy of progress. And this is especially true in the world of personal finance.
Today, Brad talks about avoiding 6 investor snags and how we could have less frustration and increase our happiness when it comes to our money, our growth and the investing around it.
Listen now.
Show Highlights Include:
- It's never the RIGHT time (3:36)
- No... Unicorns do not exist (5:02)
- Discount stock coupons. (6:17)
- The perfect portfolio (9:30)
- Investing when my circumstances change (14:18)
- Investing when life gets comfortable(17:23)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
When it comes to our financial portfolio, it's not only about accumulation and distribution. We all want the quick and easy steps for a successful plan but it's not so cut and dry.
In this episode, Brad discusses the 3 things everyone should consider when it comes to designing your portfolio.
Listen now.
Show Highlights Include:
- What growth should look like. (1:32)
- The younger brother of "rate of return" (4:00)
- Grandpa says, make your money on the buy. (6: 21)
- Standing the test of time. (9:47)
- When something goes down, something else goes up (13:25)
- Question of the day. (14:10)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Due to recent volatility in the market and rising inflation, many people are wondering if it is a good time to invest.
In this episode, Brad breaks down risk tolerance, dollar cost averaging and yes, PESSIMISM... to help you answer the question: Is it a good time to invest?
Listen now.
Show Highlights Include:
- The answer of "No". (2:05)
- Is the juice worth the squeeze? (5:23)
- Now may be a good time. The answer of "Yes". (9:40)
- What is dollar cost averaging? (10:55)
- Markets don't always go up. Shocker! (16:50)
- Pessimism is good!. (19:21)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
Sure, life has many uncertainties. But, one of the most common is financial uncertainty.
In today's show, Brad discusses how we can wind up in cycles and how our emotions can dictate life destroying decisions when it comes to our finances. However, with a clearly defined plan and some discipline, there is light at the end of the tunnel.
Listen now.
Show Highlights Include:
- What is the common denominator? (3:43)
- What's happening, what they say and what happens next? (4:40)
- This is what a good advisor will do. (6:01)
- What is the golden truth?. (11:49)
- Most people automate (16:15)
- Your worst enemy, is likely you.. (18:43)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
In 1953 a man named Sir Edmund Hillary became the first known person to reach the summit of Mt. Everest. But he didn't do it alone. He was accompanied by his Sherpa.
In this episode, Brad discusses how the accumulation phase and the distribution phase of retirement is a lot like climbing Mt. Everest and how important it is to have a guide when it comes to our finances.
Show Highlights Include:
- Who was the first to climb Mt. Everest? (1:05)
- How climbing Everest relates to our financial journey. (4:16)
- Money is a great employee, but a terrible boss. (8:04)
- Finding an advisor is a two-part study. (11:50)
- How having a financial advisor relates to professional sports.(18:39)
- What questions should you be asking a financial advisor? (21:23)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
We all should have written goals and then the plans to achieve them, yet for some reason few of us do.
Most people fall into 3 categories of planning. Which one are you?
In this episode, Brad explains how planning comes before doing and in a way, planning creates a blueprint for potential success. It increases the odds that if we follow our plan, we’ll enjoy success.
Listen now.
Show Highlights Include:
- The Make Your Money Matter Youtube Show (:30)
- Getting to know Brad (:50)
- The bankruptcy of MCI Worldcom and how it affected Brad. (1:30)
- Building the frame of your investment plan. (7:30)
- The Harvard study on planning and goal setting. (11:35)
- 3 categories of planning that most people fall into. (14:16)
To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Want to WATCH the show?
SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show
After a soaring bull market since The Great Recession, the investing world stopped dead in March 2020. It rebounded quickly, but we’re heading towards more market volatility than we had in the past decade.
A volatile market doesn't have to mean watching all your investments go down the drain. But it is a time to make sure your strategy has proven, timeless investing strategies.
Not only do these strategies protect your wealth, but they can also grow it.
In this episode, you’ll discover the 10 timeless investment strategies and how they help you thrive during any market.
Listen now.
Show Highlights Include:
- How looking like a drug dealer when making large purchases keeps your portfolio healthy and growing (5:51)
- Why Dave Ramsey is dead wrong about debt (and 3 filters to use it to become wealthier) (7:19)
- The “Time Horizon” technique which transforms market volatility anxiety into excitement and unfair returns (8:37)
- The boring, yet powerful reason why the 401k is the largest liquid retirement account for Americans (and how to duplicate this with other accounts) (10:19)
- The sneaky “Rebalancing” trick for making more money in your portfolio with minimal effort and capital (11:50)
- The “Conversative Bonds Cushion” which shrinks your risk during turbulent markets to almost zero (14:09)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Fear and anxiety around investing can wreck your portfolio and sabotage your golden years before they even begin.
Either your fear causes you to take uncalculated and unnecessary risks. Or it makes you as conservative as sticking your money in a savings account.
That’s the bad news.
The good news?
Calming your fears is easier than you think.
In this episode you’ll discover the 3 types of fears which cripple your wealth and 5 simple ways to overcome them.
Listen now and protect your wealth before it’s too late.
Show Highlights Include:
- The weird way remembering cherished memories helps you make smarter, more profitable investments (5:09)
- The 3 deadly fears which will wipe out your portfolio if left unchecked (5:43)
- How “faking it until you make it” with your finances leads to a wealthier retirement (12:07)
- Why buying groceries for your neighbor can shrink your financial anxiety (even if it seems like it will make it worse) (14:41)
- The 5 “Fear Killers” for preventing your fears from eating your wealth (21:10)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Do you know how to figure out when you should retire?
Retiring too early can deplete your money during your golden years and force you back into a job. And retiring too late can steal the best years of your life from your grasp.
Since retirees want to avoid both of these scenarios, wondering when it’s time to retire is the most commonly asked question I get.
In this episode, you’ll discover three things you must do to determine the exact time you should retire. Don’t worry, it’s easier than you think.
Listen now.
Show Highlights Include:
- The weird psychological quirk that can delay your retirement by 5 years (or more) (2:34)
- How to prevent running out of money in retirement (even if you retire sooner than most people) (6:17)
- Why Googling retirement investment advice can plummet your portfolio (even if you find some big winners) (6:45)
- The simple “1-2-3 Punch” method for figuring out the perfect time to retire (9:52)
- The “4-5% Rule” for making your assets outlast you (13:00)
- Why dynamic retirement plans wipe out your anxiety about running out of money during your golden years (even if inflation skyrockets) (16:28)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Most financial advisors don’t integrate your entire retirement plan. You need to plan more than just your investments. You also need cash flow planning, tax planning, estate planning, and insurance planning.
But most financial advisors don’t cover all these different plans.
Why?
The barrier to entry as a financial advisor is low, so many aren’t worth their salt. But some advisors are more insidious — they serve their business before your retirement plan.
In this episode, you’ll discover 3 ways to choose a financial advisor that will work for your interests instead of theirs. And why integrated all these plans best protects (and grows) your wealth during retirement.
Listen now.
Show Highlights Include:
- The “Integration Secret” for retirement which prevents you from searching for a job during your golden years (1:25)
- The innocent way your CPA steals your retirement wealth (1:54)
- 3 things your financial advisor must have or else they’ll squander your wealth (5:22)
- The “Bracket Game” which minimizes your tax burden during retirement (and why your accountant never mentioned it to you) (14:10)
- The almost too-simple filter for finding a financial advisor who works for your best interest instead of theirs (17:00)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Many Americans worry about what the Ukraine/Russia conflict means for their portfolio. While some think this is selfish, it’s not. The more financially stable you are, the more you can support causes you believe in.
Here’s why I bring it up:
Despite the Ukraine/Russia conflict causing volatility in some commodities, especially oil, there are reasons to be optimistic about the market.
In this episode, you’ll discover why the global economy is in better shape than the media portrays. And the best way to protect your wealth through this uncertain time.
Listen now.
Show Highlights Include:
- 3 economic realities which whip away your financial worries about the Ukraine/Russia conflict (5:50)
- Why prices should moderate and become less volatile over the next few weeks (6:43)
- How fear drives both massive green days and vast red days in the market (and how to best protect your wealth) (9:59)
- The “Double D” approach to investing which all but guarantees you’ll win out in the market (11:56)
- Why the global economy is like a car with chipped paint, a cracked windshield, and an engine in mint condition (15:31)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Most people don’t know the fundamentals of money. Schools never taught us it. And not knowing some fundamental questions about money gives you a lottery winner's chances of becoming wealthy.
But here’s the thing:
Once you understand how money works, becoming wealthy is just a matter of time.
In this episode, you’ll discover the 5 questions around money that will help you become richer than most people dream of.
Listen to the episode now and guarantee you’ll become wealthy in your life.
Show Highlights Include:
- The counterintuitive reason why the Russia-Ukraine conflict can actually make gas cheaper (4:04)
- Why Biden’s tax and spending bill is now less likely to eat your wallet (5:10)
- The only 3 things you need to know about money to become wealthy (8:55)
- How real estate protects inflation from devouring your money (13:53)
- Why the “Father of Investing” says your biggest investment enemy is your mirror (14:52)
- The quiet, unsexy factor which runs the entire market (and why nobody else knows this) (16:24)
- How you can actually save money on your loans (17:35)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
In the past week, Russia invaded Ukraine and sent financial markets in a tizzy. Anxious investors scurried to sell off their portfolios before the market tanked.
But is that the best strategy?
Probably not. In fact, selling during these market corrections—especially during “Black Swan” events like what’s happening in Ukraine—can ruin your returns.
In this episode, you’ll discover 6 ways to manage your risk in 2022 regardless of what happens in the market.
Listen now and grow your portfolio so you can retire on time.
Show Highlights Include:
- The “Black Swan” phenomenon happening right now in Ukraine (and how to protect your nest egg during “Black Swan” events) (1:46)
- Why getting out of the market at the first scent of volatility is a surefire way to go broke (5:01)
- 6 reasons why staying invested during market turmoil makes you wealthier (6:02)
- The counterintuitive way selling during a market correction can ruin your returns (8:35)
- How to leverage market volatility for superhuman gains (14:44)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
If you watch the news, you think our economy is crumbling apart. We have record-breaking inflation, high unemployment, and bumps and bruises in the market.
But is it all bad news?
According to our analyses, there’s several reasons to believe the economy isn’t in the gutter. We finished 2021 strong, then caught some headwinds in 2022. But while some inflation will stick, it should start normalizing sooner than later.
In this episode, I reveal the data points that suggest the market will have a prosperous 2022. Listen now and avoid making emotional financial decisions that can wreck your retirement.
Show Highlights Include:
- Why the equity markets will have some bumps and bruises in the next few months (and how to prevent this from walloping your retirement) (3:44)
- The weird way the market remains profitable despite 14% entry-year returns (4:58)
- The insidious “2008 Hangover Effect” that convinces you into making unnecessary, money-eating financial mistakes (5:16)
- Why most of the inflation we’re seeing today won’t last forever (15:42)
- How the estimated year-over-year earnings for 2022 is almost double the trailing 10-year average (21:41)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Whenever you think of retirement, there’s a nagging question floating around in your head:
Will I have enough money for retirement? Or will I run out?
Nobody wants to run out of money and have to either leech off their family members or get a soul-sucking part-time job. But being ultra conservative with your money doesn’t always help.
In this episode, I reveal 2 key strategies that prevent you from bankrupting your portfolio in retirement. Listen now to enjoy your retirement years.
Show Highlights Include:
- 2 ways to figure out today if you’ll run out of money in retirement (even if retirement is decades away) (1:47)
- Why following your passion is a recipe for burnout, depression, and an empty bank account (and how to prevent this by following your purpose instead) (5:41)
- The weird “Financial Therapy” method for preventing yourself from running out of money in retirement (11:55)
- The insidious “Kardashian Effect” trap that gnaws away at your bank account and portfolio with nothing to show for it (17:03)
- How the “wealth whispers” mindset tweak makes you the wealthiest person in your neighborhood (17:26)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Inflation wants to break into your retirement portfolio and devour your returns. Especially when you follow the investing “rules of thumb.”
Are you going to let it? Or are you going to entrench your portfolio with inflation-protecting defenses?
In this episode, you’ll discover how to protect your investments from inflation. And how you can even profit during high inflationary periods.
Listen to the episode now before inflation eats all your returns.
Show Highlights Include:
- Why being a “helicopter parent” towards your money ruins your returns (2:29)
- The counterintuitive way being too conservative during inflationary periods wipes out your retirement savings (5:03)
- WHy inflation almost always beats conservative investment strategies (and what to do instead so your returns crush inflation) (6:16)
- The 3 “inflation-favorable” sectors which can outperform the S&P 500 by almost double (7:28)
- How the Federal Reserve can wreck your retirement in a second (and the best ways to protect your investments) (9:11)
- The lagging sector that’s reemerging to dominance and can insulate your investments from inflation (15:24)
- The sneaky way your emotions trick you into buying high and selling low (18:34)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
America entered a “new normal” in 2020 — and it could have dire consequences on your portfolio.
Why?
Record-breaking inflation, skyrocketing wage growth, and massive unemployment create the perfect storm for delaying your retirement. Or if you’re already retired and on a fixed income, forcing you to get another job instead of enjoying your golden years.
In this episode, you’ll discover the best ways to protect your portfolio and retire sooner than anyone you know despite our economic realities.
Listen to the episode now and protect your golden years.
Show Highlights Include:
- How the “Great Resignation” happening in America impacts your retirement portfolio and timeline (4:23)
- The “normal on a hiatus” phenomenon taking America by storm (and why it can be catastrophic for your portfolio) (6:11)
- How technology’s accelerating the potential economic disaster (and how to protect your portfolio and retire on time) (9:44)
- The weird way businesses act like humans (and how to use this to retire sooner than anyone you know) (10:36)
- 3 reasons why inflation will stay high — and why we won’t have “runaway inflation” with even higher prices (11:55)
- Why holding cash and taking your pension in retirement is a surefire way to beg for another job soon (12:16)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Investing is hard. You have to sacrifice your money now, so you can enjoy life later. Many people don’t start investing because it’s easier not to.
But you know what’s harder than investing?
Trying to retire in your 50s or waiting until you’re older to start investing. Waiting has a massive opportunity cost that nukes your wealth. Easy has a cost — and it’s expensive.
But don’t worry. In this episode, I walk you through the 6 sins of money and investing so you can retire sooner and wealthier than most people.
Listen to the episode now and secure your future.
Show Highlights Include:
- The “easy has a cost” mindset tweak that helps you invest more in 2022 than you ever have (1:33)
- Business magnate John Jacob Astor IV’s secret for acquiring $87 million in wealth in 1912 before dying on the Titanic (2:16)
- The dirt-simple way to make investing a habit in the next 5 minutes (2:22)
- Why trading individual stocks is a surefire way to tank your returns (even if one generates 200% returns) (5:13)
- The weird way going to the gym a few times a week can make you rich (6:25)
- The unsexy investment advice you don't’ want to hear but makes you wealthier beyond belief (14:17)
- How Kobe Bryant’s family received $80 million more than he made in the NBA even after his death (15:08)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
If you watch the news, you’d think the economy only has a couple months left until utter chaos.
While we’re still learning how to navigate in the post-crisis world, there are many reasons to feel hopeful.
In this episode, you’ll discover why our economy isn’t all doom and gloom right now. Listen to the episode for a much-needed dose of hope.
Show Highlights Include:
- How the new variant stirred up ruckus in the global economy (and why you shouldn't fret) (1:51)
- Why understanding employment trends in America help you make smarter financial decisions (4:42)
- The 2 main components the U.S. needs to experience growth and prosperity again (5:06)
- Why we’re inching towards a rebounding global economy (even if it feels like it’s falling apart) (5:31)
- How to weaponize volatility in the market to see massive returns (9:38)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Life’s randomness is what makes it beautiful and dreadful. Especially with your financial plan.
Not understanding life’s randomness increases your chances of running out of money in retirement. Or making boneheaded financial mistakes that sabotage your quality of life.
A good financial plan helps counteract life’s randomness. But only when you update it after 4 major life events.
In this episode, I reveal each of these 4 major life events so you can make smarter financial decisions and avoid unnecessary stress.
Listen to the episode now!
Show Highlights Include:
- The 4 unique circumstances where you must review your financial plan for maximum gains and minimum uncertainty (5:33
- The “material change” method for updating your financial plan so you don't run out of money in retirement (8:27)
- Why your financial plan obliterates stress and uncertainty when making important financial decisions (11:27)
- How frequently you need to review and update your financial plan so your finances don’t cause unnecessary stress and frustration (14:48)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
There’s a popular retirement ad that asks retirees what their retirement “number” is. This approach to retirement makes sense — and it’s generally better to have more savings than less.
But that isn’t always the case. There’s something more important than your savings. And that’s how much income you make from your savings.
In this episode, you’ll discover why setting a retirement income goal helps you enjoy your retirement while a savings goal makes you worry you’ll run out of money.
Listen to the episode now so you can live your retirement to the fullest.
Show Highlights Include:
- Why following the popular “what’s your number?” TV ad can force you to get a job in retirement (5:41)
- Should you have a savings goal or an income goal in retirement? Here’s the answer so you enjoy your retirement (7:20)
- The cold, hard truth about why so many retirees can’t enjoy their retirement (and how to avoid this) (8:07)
- Why being afraid of running out of your retirement money steals your retirement memories (8:28)
- The counterintuitive way aiming for a million dollar nest egg makes you complacent and ruins your returns (9:25)
- The “Moving Target Method” for setting your retirement number that prevents you from running out of cash (11:12)
- Why you might have enough savings today to retire right now (even if you haven’t hit your “number” yet) (14:45)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
In 2022, you can now save $20,500 in a 401(k) instead of $19,500. While that doesn’t sound like a huge increase, it makes a huge difference over time with the right retirement strategy.
How do you figure out the best retirement strategy for you?
While following generalized advice helps more than doing nothing, the real magic happens when you have a tailored plan.
In this episode, you’ll discover how to tailor your retirement strategy to maximize your nest egg (and minimizes your taxes).
Listen to the episode now so you don’t have to worry about your finances when you retire.
Show Highlights Include:
- 2 of the tax-friendliest vehicles to build your retirement nest egg (2:31)
- The exact percentage of your income to save for retirement so you can retire when you want (without sacrificing your your enjoyment of life today) (4:14)
- The “Anti-Oatmeal Approach” for saving for retirement without depleting your bank account (4:39)
- The “Tailor Technique” for figuring out your unique investment strategy based on your specific retirement goals (6:10)
- How to maximize your tax savings by minimizing your tax bracket (9:16)
- Is a traditional 401(k) or Roth IRA better? Here's your answer (13:28)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Your rational and emotional minds are at war every day. When your emotional mind wins, it causes you to make boneheaded financial decisions that jeopardize your retirement.
Changing your environment helps you take back control over your emotions set on destruction. In fact, even heroin-addicted veterans kick their addiction overnight when they change their environment.
In this episode, you’ll discover how changing your environment helps you make smarter financial decisions and protect your retirement.
Listen to this episode now before your emotions sabotage your retirement.
Show Highlights Include:
- How veterans kicking their heroin addictions overnight help you see better returns in the market (3:33)
- The insidious way subliminal messages in the media sabotage your retirement nest egg (5:20)
- How your emotions dupe you into making boneheaded financial decisions when you know better (and how to gain control over your emotions) (6:24)
- How to adjust your investment portfolio when the media won’t shut up about market downturns, volatility, and variability so you don’t undermine your retirement (7:09)
- The subtle “anti-emotion” mindset shift that gives you control over your emotions and protects your investments (8:54)
- The “Double D” investing strategy that maximizes your savings in retirement (9:29)
- Why you don’t need any more self-control than an addict to make more profitable financial decisions (13:08)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Do you procrastinate with your Christmas shopping?
Forbes wrote an interesting article a few years ago explaining why men wait until the last minute to start their Christmas shopping. While women start Christmas shopping as early as December 26th the year before.
They found that men procrastinate because deep down they’re perfectionists. And this reminds me about how most people approach their financial plan.
Many people put off their retirement plan because they’re waiting for a massive bear market or for some other silver lining to start. But the most successful people understand that starting now gives you the best chance to grow your wealth.
In this episode, you’ll discover why procrastinating ruins your returns — whether you’re building a financial plan or shopping for Christmas.
Listen to the episode now so you can enjoy your retirement instead of worrying about your finances.
Show Highlights Include:
- Why waiting until the last minute to do your Christmas shopping can wreck your retirement portfolio (3:58)
- Alexander Graham Bell’s secret for maximizing your retirement portfolio (7:55)
- How life puts up roadblocks that stop you from doing your most important tasks (and the mindset tweak needed to get your most important things done) (8:19)
- The “Just Build It” strategy for planning your retirement that obliterates your overwhelm (9:47)
- How figuring out your “why” today helps you take lavish retirement vacations as often as you like (12:26)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Thinking about your death is something every human struggles with. We tend to glide through life, tricking ourselves that we’ll live forever.
While we know we won’t live forever, we act like we do because thinking about our death makes us uncomfortable.
But failing to plan your estate could make your family foot a large bill that they don’t have the money to pay. The only thing worse for your family than an unexpected or untimely death is combining it with a huge financial burden.
In this episode, I reveal the importance of planning your estate. And you’ll discover some simple ways to plan your estate and protect your legacy.
Listen to the episode now and protect your family and legacy before it’s too late.
Show Highlights Include:
- How sneaky politicians try to steal your money even after you pass away (6:12)
- The “Life Insurance” trick that helps your heirs pay your death taxes so they don’t have to foot the bill themselves (10:09)
- How to use the same state planning tools as John D. Rockefeller and Andrew Carnegie to protect your legacy and family after death (13:10)
- The insidious way your emotions rob your retirement and estate portfolio blind (18:22)
- Why thinking about your mortality today is the single most important thing you can do for your family (even if it’s uncomfortable) (21:40)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Political arguments pop up around Thanksgiving dinners all over America. But the point of Thanksgiving is to come together despite our differences.
Dating back to the first ever Thanksgiving, it’s been a celebration that we all benefit from coming together — especially when we disagree.
The truth is, you can’t have financial freedom without political freedom. And that means caring for and defending others you disagree with.
In this episode, you’ll discover the true importance of Thanksgiving. And how you can get along with other people in your family despite your differences.
Listen to the episode now.
Show Highlights Include:
- How the first Thanksgiving helps you avoid pointless political fights with your family over the holiday season (4:37)
- Why Thanksgiving helped America reunite after the Civil War (6:17)
- How inviting your friends to your Thanksgiving feast makes you feel even more grateful (7:36)
- Why caring for and defending others is the foundation of our great nation (even when you disagree) (9:31)
- How political and financial freedom go hand in hand to help you thrive (10:16)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Inflation is real and it’s here. The 5.4% rise in the Consumer Price Index over the last year is the highest in 13 years. You notice inflation’s insidious impact every time you fill up your tank or buy a cup of coffee.
But how big a threat is inflation to your portfolio?
Let’s pretend you have $60k today. In 20 years, that $60k would only be worth $33k!
Inflation is devastating to your portfolio. But it doesn’t have to be.
In this episode, I reveal how to counteract inflation. And the importance of having a retirement plan that protects you from inflation.
LIsten to the episode now and shield your hard-earned money.
Show Highlights Include:
- The “Printing Phenomenon” responsible for skyrocketing inflation (3:37)
- The 2 root causes of our record-breaking inflation (4:36)
- Here’s how an average annual inflation rate of 3% over 20 years almost cuts your income in half (8:28)
- Why supply chain-induced inflation makes everything more expensive forever (11:33)
- The insidious way being scared of the market gobbles more of your money than making some bad investment decisions (14:21)
- Why the stock market, real estate, and crypto can “cancel out” inflation’s money-eating impact (15:36)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Are you thinking about buying your first home or moving up into a better home?
Most of my clients #1 expense is their housing. Buying (or upgrading) a house is a big decision that comes with a lot of peer pressure.
To make matters worse, paying too much for your home can cripple your financial future. And paying too little for your home makes you feel like you’re living in an inescapable nightmare.
That’s why I recommend everyone thinking about buying a home to ask the 3 questions I discuss in today’s episode.
Listen to the episode now before you make a decision you might regret later!
Show Highlights Include:
- Why listening to Dave Ramsey about mortgages sacrifices your financial freedom and happiness (2:58)
- The “50/30/20 Rule” for managing your budget (without overpaying or underpaying for anything) (8:03)
- The downside of owning a home — especially as a young person (9:49)
- 6 “hidden” expenses of owning a home that most people don’t think about (10:03)
- What percentage of your income should go towards your mortgage? Here’s the answer… (11:52)
- Why living in a home for less than 7 years almost guarantees that you won’t make money when you sell it (12:53)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
While the market continues to reach all-time highs, it won’t always be that way.
When the market goes down, it’s easy to let your lizard brain corrupt all your investments and ransack your returns. That’s why it’s important to have a strategy for down markets before they happen.
Don’t get me wrong. I’m not saying that the market will crash anytime soon – and nobody can predict downturns with certainty.
But having a plan in place helps maximize your returns even in down markets.
In this episode, you’ll discover the top 5 moves to make to protect your money when the market turns. Listen to the episode now and make your plan before the market swings.
Show Highlights Include:
- How your emotions thwart your returns in the stock market (2:36)
- The weird psychological “glitch” in the human brain that wants to devour your returns (3:55)
- The counterintuitive “dollar cost averaging” strategy for investing more when the stock market crashes (4:56)
- How to “get away” with adding to your tax-free Roth IRA (without increasing your tax bill this year too much) (9:09)
- Hate paying high taxes? This unusual “tax loss harvesting” method can cut your tax bill in half (10:39)
- 5 strategies to consider when the market’s down that neutralizes your emotions and helps you retire sooner (13:46)
- 4 of the best sectors to invest in during volatile times (15:51)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Have you considered moving to a new state?
Many of my Californian clients are jumping ship due to high taxes, high cost of living, remote work, and several other factors. When you’re deciding to move to a new state, there are many things you need to consider.
If you’re looking for a way to pay less taxes, moving to one of the 9 states mentioned in today’s show makes your wallet heavier overnight. But just because a state has lower taxes doesn’t mean you’ll be happier.
In this episode, I reveal 9 states with no state income taxes. And help you figure out which state would be the best to move to — whether you’re a retiree already or not.
Listen to the episode now before you decide to move.
Show Highlights Include:
- Do you hate paying high income taxes? Here are 9 states that have no state income tax (4:39)
- Why lack of community could make you blow all your tax savings when you move to somewhere with no state income tax (5:26)
- How to get a free $992 by simply moving to Alaska (7:19)
- Why Florida probably isn’t the best retirement state for you (even though there’s no state income tax) (8:28)
- 2 reasons why Nevada offers retirees a “jackpot” of tax savings (9:04)
- The shocking reason why Texas ranks as one of the least tax-friendly states (13:33)
- Why Wyoming is the most tax-friendly state in the United States (16:08)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
You’ve likely heard the term ‘supply chain’ moreover the last few weeks than over the last year. And most of us are wondering what it means for our investments (and holiday shopping lists).
If you don’t understand the parts of a supply chain, you won’t know how it works together. And when one piece has a problem, the rest fails to operate.
And supply chain can’t switch on and off like a light - as much as we want it to.
In this episode, I reveal how to protect your portfolio and shop with ease through a supply chain crisis.
Show Highlights Include:
- How to avoid the post-pandemic ‘supply chain strain’ on your portfolio. (2:05)
- Why looking at a pencil best explains the inflation, backed up ports, and empty shelves today. (7:25)
- The death of the Dollar Tree and what it means for the things you buy today. (10:02)
- Using Nike contracts to avoid stuffing your portfolio with ‘coal’ this holiday season. (13:30)
- How to make smart investments and protect your shopping lists this holiday season. (19:49)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Nobody likes paying taxes. So there’s a lot of hoopla about Biden’s new proposed tax code.
But are we paying more taxes than people 50 years ago?
When you dive deeper into it, we’re at the same tax rates as we were a long time ago. Especially when you use certain tax-advantaged retirement savings vehicles like a Roth.
In this episode, I reveal how a Roth can help you stop forking over your hard-earned money to the government. Listen to the episode now before you pay more taxes than you need to.
Show Highlights Include:
- The weird way there’s a 6% increase in you dying in a car accident on April 15th (6:35)
- Why Americans spend $170 billion and 6 billion hours trying to comply with the tax code (7:45)
- How billionaires legally pay lower taxes than their assistants (and how to apply this trick to your tax bill) (9:22)
- How Bill Roth gave you the biggest legal tax sanctuary that exists (and how to take advantage of it so you keep more of your hard-earned money) (16:11)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
The pandemic reshaped a lot of people’s retirement plans. Some anticipate a lower standard of living in retirement. Others have become more risk averse in the market. And 62% of retirees and near-retirees have cut spending to have a larger nest egg.
Not to mention, almost everyone is worried about inflation and the impact it will have on their retirement.
Are these the right actions to take?
While spending less and saving more is good general advice, you might be able to beat inflation when you have a diversified portfolio.
In this episode, I share how you can protect your retirement even as inflation runs rampant. And how to best protect your wealth so you don’t need to find a part-time job after you retire. Listen to the episode now.
Show Highlights Include:
- Why inflation is more dangerous to your retirement plans than even healthcare costs (4:23)
- How focusing on your health when you’re young is a better way to live a lavish life in retirement than only focusing on your wealth (4:35)
- The counterintuitive reason only 13% of retirees and near-retirees feel more bullish with their investments (and how to figure out if you should be more aggressive or conservative) (9:08)
- Why our economy is still healthy (even though we’re living through more volatile times) (9:48)
- The “Capitalized Profits Model” reason for why you should consider a more aggressive approach with your retirement portfolio (10:12)
- How to prevent needing a part-time job because you ran out of money in retirement (15:38)
- Why saving more doesn’t guarantee a more easy-going retirement (and how categorizing your savings grows your wealth more) (19:18)
- The 2% target you want to hold in cash during inflationary periods to best protect your wealth (25:38)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Reference:
https://www.kiplinger.com/retirement/retirement-planning/603347/kiplinger-personal-capital-poll-pandemic-retirement
When you’re searching for a financial advisor, there are several questions you want to ask to make sure they’re the best fit for you.
Why?
Because handing your hard-earned money over to someone else is an important decision. Picking the wrong advisor could wreck your retirement and minimize your returns.
But here’s the problem:
When you search for questions you should ask your financial advisor on Google, you get a lot of general questions that don’t tell you how a particular advisor fits into your unique life and retirement plan.
In this episode, I’m going to explain what these 5 most common questions are — and how you can tweak them so your questions are more relevant to your financial goals. Listen to the episode now before you talk to a financial advisor.
Show Highlights Include:
- Why asking a financial planner about their past performance is an easy way to minimize your returns (and why asking for their investment philosophy helps you beat the market and plan your retirement) (5:48)
- The “Goals-Based Approach” to investing that’s unique to you and prevents a financial advisor from gambling your money away (7:09)
- How telling your advisor your interests, hobbies, relationships, and values helps you achieve your dream retirement lifestyle faster (7:59)
- Why picking the most popular financial advisor with the most clients can sabotage your returns (and a better way to “vet” potential advisors) (8:19)
- How credentials can trick you into a hiring an advisor that’s not the best fit for your unique goals (15:08)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
There are 7 common money lies we tell ourselves that drain your wallet, delay your retirement, and place unnecessary stress on your shoulders. Even financial advisors believe some of these money lies.
But once you’re aware of these 7 dangerous money lies, you can prevent them from sabotaging your financial independence.
In this episode, you’ll discover the 7 money lies we all tell ourselves that blow a whole in our wallets. And how to avoid them so you can retire sooner. Listen to the episode now.
Show Highlights Include:
- How not talking about money with your friends and family reinforce your worst financial habits (4:34)
- 3 bone-headed rationalizations we use to convince ourselves to buy something we can’t afford (7:59)
- The counterintuitive way thinking you have strong financial willpower makes you spend more on impulse purchases (10:40)
- The reason why you waste more money on stuff you don’t need when you’re stressed (11:25)
- How using a credit card costs you 10% more than using cash (even without paying interest) (12:14)
- Why procrastination eats more wealth every year than even the worst stock picks (13:03)
- Warren Buffet’s “Spend After Saving” secret that’s helped him become one of the wealthiest investors of all time (14:03)
- Why compound interest is the 8th wonder of the world (and how to use your money to make money without working for it) (16:55)
- How to use your greed to make smarter and more profitable financial decisions (21:38)
- The 7 most common money lies everyone believes that drains your wallet and delays your retirement (22:31)
If you want to download the Summer 2021 Playbook mentioned during this show, head to https://onecapital.com/ and click on the “Idea Lab” tab to download the report for free.
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
References/Sources:
Kiplinger - Ian Maxwell: https://www.kiplinger.com/personal-finance/603162/how-are-you-lying-to-yourself-about-money
We all have both an emotional and rational mind. Which one should you trust when it comes to making smart financial decisions?
You can make a case for relying on either your emotional and rational mind. But the most profitable investment strategy is by combining both minds.
In this episode, I reveal why combining both minds helps your money work for you. And how to merge these two competing minds so you can build a profitable portfolio. Listen to the episode now.
Show Highlights Include:
- What’s more profitable — making emotional or rational investment decisions? The answer may surprise you… (4:16)
- The weird “Gut-Based” investing strategy that gives you a lavish retirement (even if you don’t know what you’re doing) (4:35)
- How your emotions trick you into making bad financial decisions (4:39)
- The “Normandy Secret” for making irrational investments that wind up being some of your most profitable (7:46)
- How merging your logical brain with your lizard brain helps you make smarter investments (9:42)
- The “Culture Index Method” that helps you build a more profitable and well-designed portfolio (17:17)
If you want to download the Summer 2021 Playbook mentioned during this show, head to https://onecapital.com/ and click on the “Idea Lab” tab to download the report for free.
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Almost every month, a client asks me whether they should buy or lease their car. Since your car is your second or third biggest expense, I figured we’d discuss the pros and cons of buying vs leasing.
Should you buy or lease your car?
The answer depends on several unique factors that are specific to you.
But don’t worry — in this episode, I reveal all the pros and cons of either buying or leasing your car. That way, you can make a better financial decision when you buy a new car. Listen to the episode now.
Show Highlights Include:
- Why the market for cars has been turned upside down causing used car prices to skyrocket by 24% compared to last year (3:24)
- How depreciation makes owning a car for 6 years cheaper than leasing the same car for 6 years (5:24)
- Why paying back the bank is usually easier than paying yourself back (7:19)
- The weird way buying a car with cash in retirement could push you into a higher tax bracket (8:57)
- How a Toyota Tocoma sells for only $3000 less than the purchase price 8 years ago (11:30)
- Why you can get more car for less money when leasing (and why this is both a good and bad thing) (13:04)
If you want to download the Summer 2021 Playbook mentioned during this show, head to https://onecapital.com/ and click on the “Idea Lab” tab to download the report for free.
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
References/Sources:
Kiplinger
The average investor is emotionally tied to their financial risks. Losing money is one risk. Upsetting your spouse is another risk. So is taking investment advice from an internet influencer. How do you know if you’re taking the right risks with your investments?
Problem is, investment advice is easy to find — it's everywhere. But not all advice is good advice. And when you don't know what's true and what's hype, you buy or sell based on emotions, not data.
On today's episode, Pat Bowen, president of One Capital Management, says that many individual investors trade on emotions. They’d be better off with diversified, long term strategies. Pat believes that you must manage your investment risks to meet your financial goals.
Hot investments come and go — don't let them leave you cold.
Listen now to discover how a long-term investment strategy maximizes your financial gains!
Show Highlights Include:
- Why the flood of financial information available can wash away your investment earnings (0:53)
- The stable "three-legged stool" to look for in your investment advisor (4:35)
- Why the myth of "buy low, sell high" is impossible to achieve — and how to make money anyway (7:45)
- How to diversify your portfolio to maximize your returns — without swings in your earnings (8:28)
- Hate taxes? Here's why you need to plan your major money moves for the next 2 years to minimize your tax payments (14:55)
- Why having a "personal trainer" for your investments increases your gains (23:58)
- How does your favorite Investment YouTuber get paid? (Hint: it's not from good advice) (32:01)
If you want to download the Summer 2021 Playbook mentioned during this show, head to https://onecapital.com/ and click on the “Idea Lab” tab to download the report for free.
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Reading headlines and news articles about the economy can be confusing and downright wrong. For example, despite inflation making headline news, our analysis shows that it’s not too hot right now.
How can you separate fear from the truth?
Every quarter, One Capital Management creates a playbook to help you better understand what’s happening in the economy and where it’s going.
In this episode, I reveal the inside perspective from our investment committee, our partners, and our advisors. That way, you have a more accurate forecast of how the economy impacts your investment portfolio.
Listen now so you can make smarter and more profitable investment decisions through the rest of 2021.
Show Highlights Include:
- How the equity market maintains its momentum despite the various challenges caused by the crisis (3:23)
- Why duration bonds are a riskier investment than usual through the rest of 2021 (6:46)
- How a jump in interest rates causes bonds with longer durations to notch up to a 17% loss (7:06)
- Why seeking credit instead of duration helps you minimize risk and produce income in your bond asset classes (7:29)
- The counterintuitive reason inflation isn’t as bad as headlines news make it seem (8:47)
If you want to download the Summer 2021 Playbook mentioned during this show, head to https://onecapital.com/ and click on the “Idea Lab” tab to download the report for free.
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Having financial and investment knowledge is good. But it doesn’t help make more money in the market unless you have wisdom.
So what’s the difference?
Knowledge is what you know. But wisdom is how you apply what you know to your real life.
In this episode, I’m revealing how you can turn your knowledge into wisdom so you can experience a life full of wealth (even if you’re broke right now). Listen now.
Show Highlights Include:
- Why learning more about the stock market doesn’t help you make more money from it (3:26)
- The counterintuitive way it’s more profitable to lose all your money in the stock market than to avoid investing completely (7:50)
- Don’t have extra money to invest? Here’s the simple 4-step process that makes your money work for you in your sleep (10:41)
- How some people making 6 figures still live paycheck to paycheck (and how to prevent this even if you make less) (12:17)
- How compound interest transforms your $400 car payment into almost $600,000 (18:52)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Some economic indicators create more headline news than other indicators. But every indicator is connected to the others in some way.
That’s why it’s important to understand all the economic indicators so you can have a more accurate understanding of how the economy impacts your portfolio.
In this episode, I’m revealing the 9 most important indicators that economists use to make economic forecasts. That way, you can worry less when you hear about one indicator making headline news. Listen now!
Show Highlights Include:
- Why economic forecasts aren’t always accurate (and why it’s still important to understand economists’ predictions to best protect your portfolio) (3:18)
- How to predict whether interest rates are going up or down by only looking at GDP (4:24)
- Why too high inflation or deflation wreaks havoc throughout your investment portfolio (9:00)
- The 4 most important economic indicators to pay attention to so you can maximize your returns (and 5 other lesser-known, but crucial indicators) (10:23)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Biden recently proposed a tax hike. Millions are worried Uncle Sam is coming for their hard-earned money. But will it affect you?
There are actually 3 solid reasons why you shouldn’t stress out about the proposed tax hike.
In this episode, I’m revealing what these 3 reasons are and why doing nothing might be your best move.
Listen now to discover how to protect your hard earned money from Uncle Sam.
Show Highlights Include:
- The “bottleneck supply chain” secret that frees you from worrying about inflation eating your savings (5:08)
- Why the astronomical inflation rates we’re seeing is only a temporary phase (6:10)
- How the temporary rise in inflation won’t cause a huge drop in your stock portfolio or another recession (8:57)
- Why the 10-year government bond yield is still a dirt-cheap investment (even if interest rates double) (9:11)
- Anxious about Biden’s tax hikes? Here’s why you don’t have to panic (12:19)
- Why the stalled economy could reduce your tax bill (15:07)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Retirement planning starts as soon as you get a job. But the act of saving money alone isn’t a plan. Taxes and inflation could end up eating more money than you save.
Treating your money with purpose is the only way to reach your retirement goals. And if you want to retire stress-free, you need to know what that means to you.
In this episode, I discuss how to set a course (and keep on track) for a sustainable and abundant retirement.
Show Highlights Include:
- How to avoid unwanted stress in retirement planning with advice from a 116-year-old. (4:15)
- How to replace the ‘junk’ in your portfolio with assets that provide purpose and pleasure. (7:32)
- The ‘Ronald Reagan’ way to avoid bad advice online and craft the perfect plan with a professional. (13:15)
- How to build an abundant retirement portfolio with a single number. (15:20)
- How to protect your heirs and preserve legacy estates with the ‘Six Feet Under’ clause. (21:19)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
In sports, defense wins championships. And in retirement investing, diversification wins exotic vacations and a fulfilling retirement.
When you’re young, you have room to play offense and take risks. But in retirement, these risks could bankrupt your portfolio in a hurry. How do you protect your portfolio while maximizing your returns?
Diversification protects your portfolio. And there are ways to diversify without sacrificing your returns.
In this episode, I’m revealing diversification strategies that maximize your gains and minimize your losses in retirement.
Show Highlights Include:
- Investment lessons from the Patriots-Seahawks Super Bowl that prevent risky behavior from bankrupting your portfolio (4:34)
- Why risky retirement investments snatch defeat from the jaws of victory (5:28)
- The “Defense Wins Championships” investment strategy that protects your wealth in retirement (8:07)
- The “Rebalancing Trick” that finances all your exotic vacations through retirement (without worrying about running out of money) (11:41)
- The “Actively Waiting” retirement plan that minimizes your risk while maximizing your profits (14:18)
- How to make more money from your investments by getting rid of most of your portfolio (15:11)
- Why starting your retirement portfolio in your 30s (or earlier) lets you travel more in retirement than most people do in their entire life (16:21)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
There’s a popular retirement advertisement that asks “what’s your retirement number?” Most retirees agree that having a higher retirement number through saving is better than having a lower number.
And while that’s true, it misses the mark about the most important retirement aspect:
Retirement income.
Retirement income lets you spend every penny of your retirement every month without worrying that you’ll run out of money.
In this episode, I’m revealing why your retirement income lets you enjoy your retirement instead of saving every cent so you don’t run out.
Show Highlights Include:
- How to avoid blowing all your retirement money (without depriving yourself of vacations or fancy dinners) (8:53)
- Why living in an “Atmosphere of Scarcity” in retirement robs you of giving your grandchildren memories they’ll remember long after you’re gone (9:08)
- The counterintuitive way saving more for retirement can bankrupt your nest egg (10:23)
- How to spend every penny of your retirement without worrying about running out of money (10:46)
- Why having only $900k in your nest egg can be more fulfilling than having $1 million (12:39)
- How to retire 3 years earlier than you thought and have enough money to enjoy your retirement (18:34)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
If you've ever invested or talked about the market, you've likely heard about the “Dow Jones.” Yet, few people have an understanding of what that is or how it started.
The Dow watches over some of the biggest and most prominent companies in the country. Paying attention to them is the only way to make sure everything fits into the future of your plan (and lasts).
In this episode, I discuss how the history of the Dow protects your retirement today.
Show Highlights Include:
- How to predict and understand the market today through the story of Charles Dow and Edward Jones. (1:57)
- Using history lessons to preserve your retirement finances in any market. (6:02)
- How to avoid putting all your eggs in one basket with a diversified portfolio. (10:11)
- Why creatinga risk-free retirement plan starts by understanding twelve industrial companies. (15:34)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Looking for the best financial advisor is more complicated than you think. And you're going to have a lifelong relationship with them, you need someone who is about more than the numbers.
Having a plan that never runs out of cash starts with an advisor who knows how to best serve you. Having a happy and stress-free retirement depends on you (not a number).
In this episode, you'll discover how to find the best financial advisor for your retirement goals.
Show Highlights Include:
- Why planning your dream retirement should be like a fine-dining experience. (1:46)
- The wealth conversations that make your retirement planning simple, smooth, and impactful. (5:37)
- How to ensure you never run out of money in retirement with the ‘Discovery Process.’ (9:52)
- Why the most trustworthy advisors use the ‘DDF cycle’ to deliver on your retirement goals. (14:35)
- Using ‘cultural parameters’ to have the most enjoyable (and productive) retirement planning experience. (21:17)
- How the evolution of technology builds a plan exactly as you want it. (26:10)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
To avoid running out of money in retirement, you have to be realistic about how much you save and spend. And if you aren’t realistic with your money, the entire plan could fall apart.
Retirement is about knowing how much you need, not how much you make right now. And most people spend their entire lives building a plan around the wrong number.
In this episode, I discuss how to build your retirement plan around income (instead of bad habits).
Show Highlights Include:
- Retirement Planning lessons from the story of Atlantis (and how to avoid “the fall” of your own portfolio). (1:30)
- The Mountain Climber’s guide to building a successful plan and reaching your retirement goals. (5:44)
- How to ensure your income for life through one mathematical equation. (10:02)
- Using the ‘Trinity Study’s ‘golden number’ to protect your portfolio from inflation and unstable environments (while improving your plan as you age). (15:55)
- The worst financial mistakes most Americans make in your retirement years (and how to prevent building bad habits right now). (20:57)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Not knowing how much money to contribute to retirement seems like a small problem, but has the potential to damage your finances for a lifetime. And you don’t want to be stuck in your retirement years counting pennies and avoiding vacations.
In this episode, I discuss the ‘ripple effect’ of bad financial planning and the small changes you can make for retirement income that lasts a lifetime.
Show Highlights Include:
- How to plan your perfect retirement with the “Billy Graham Effect”. (1:53)
- How to retire at any age using the ‘rule of thumb’ in retirement planning. (6:42)
- The different contribution rates to recommend at each age (and how to ensure you’re saving enough for retirement each year). (12:54)
- The ‘Fidelity’ strategy for funding your dream retirement (and never running out of cash in your vacation years). (18:17)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Everyone has debt, but no one likes to talk about it. And you might feel so overwhelmed by the idea of organizing finances that you ignore them altogether…which makes your stack of bills taller and more unbearable. So where do you begin?
In this episode, I discuss what debt you should pay off first and how these conversations fit into a successful financial strategy that lasts a lifetime (no matter how much you owe).
Show Highlights Include:
- What the “Diderot Effect” does to your wallet and how to avoid trapping yourself in debt instantly. (1:40)
- What the “Good Debt, Bad Debt” model reveals about the debts you pay off first. (4:22)
- Designing your own version of the ‘Snowball Method’ for paying off debt at your own pace. (9:00)
- The three wealth management tools you need to earn more than you spend and avoid debt in the future. (13:49)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
You might be thinking you don’t have enough money to invest in the stock market. Maybe you believe it’s “not the right time.” But here’s the secret - there’s never a perfect time.
The only way to accumulate the wealth you want and invest in the stocks you want is to start somewhere. And you won’t find the “perfect investment” if you never get your foot in the door.
In this episode, I discuss the six ‘snags’ holding you back from building your perfect portfolio, how to invest with minimal risk, and a strategy that applies to any circumstance.
Show Highlights Include:
- Why the ‘perfect market’ is a myth and how investments grow your money (no matter what the environment looks like). (1:45)
- Why pursuing the ‘Holy Grail’ of stocks sabotages your portfolio (and how you can find the best market deals right now). (5:25)
- The ‘Monopoly Strategy’ for building a portfolio that maximizes your gains and minimizes your losses (even when the market crashes). (8:55)
- Why stock market procrastination plummets your retirement funds and how you can start investing now (no matter what stage you’re at in life). (11:53)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Having a financial portfolio can grow and protect your wealth for generations to come…but designing one with the least amount of risk is where most people fail.
Having a portfolio in and of itself is not going to protect your money. Maintaining it through a variety of tools is the only way to safeguard your assets and preserve your finances.
In this episode, I discuss the three tools your portfolio needs for lifelong growth and being protected from risky financial exposures in an uncertain world.
Show Highlights Include:
- Why your portfolio has different expectations than everyone else - and how to determine what plan compliments your lifestyle best. (1:50)
- What Apple reveals about owning stocks and how to grow your portfolio in value (with minimal risk). (5:46)
- The bonds that produce the most money and where you can take risks for a stress-free retirement right now. (9:10)
- The five areas of investment that protect your portfolio’s assets the most (in any political or economic environment). (10:38)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
There is one thing that can helps you weatherany storm in life - and that’s a financial plan.
While it’s normal to worry about when things don’t go well (whether it’s a job loss, a pandemic, or both), there are strategies you can use to combat the stresses of finances with rationality rather than emotions.
In this episode, I discuss why strategizing for tomorrow eases your uncertainty today and the lasting impacts of a financial plan (no matter what happens).
Show Highlights Include:
- The three ‘Menahem Yaari’ pillars of truth you need to plan your financial future and preserve it during uncertain times. (1:25)
- How to avoid the ‘fear and greed’ cycle of spending money and treating your finances illogically today. (4:50)
- How to save for emergency funds and pay down debt (without it feeling like a complete burden). (8:40)
- Why having a financial plan doubles your income and drives the lifestyle you want (even if you don’t your goals yet). (12:06)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
A financial advisor isn’t just someone who invests your money and tells you what to do - they offer the experience of advanced planning and absolute trust to keep you on track for the most returns with the least amount of risk.
And while the Internet is full of ways to “build and manage wealth for retirement,” an advisor who keeps you on track (and there for your best interest) is priceless.
In this episode, I discuss how a financial advisor sets your portfolio up for greater success and the retirement you want (without any limitations).
Show Highlights Include:
- The ‘Sir Edmund Hillary’ approach to instantly securing your most successful retirement plan (with minimal risk). (1:30)
- Why hanging out on investment blogs harms your portfolio- and how a financial advisor brings peace of mind to your planning instantly. (4:16)
- What the Vanguard Advisor’s Alpha reveals about your investments - and how to increase the value of your portfolio right now. (8:00)
- Why you shouldn’t plan your own retirement - and the five things a financial advisor offers for your most profitable retirement today. (14:41)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Knowing your financial goals and how to reach them are some of the basic concepts for planning a happy and healthy retirement. And while it might not be at the top of your list now, having a financial plan is what sets you up for success later (so that you can live by your standards).
And if you don’t have any goals or a plan in place, simply ‘hoping’ for a fulfilling retirement won’t get you there. In fact, it works the opposite end.
In this episode, I discuss your most successful financial plan for a stress-free retirement (without penny-pinching or running out too early).
Show Highlights Include:
- What the ‘Harvard Graduates’ study says about your current financial plan (or what happens if you don’t have one). (0:52)
- Where you fall in the three categories of retirement planning - and what this instantly reveals about the ‘junk drawer’ of your finances. (5:23)
- Why you need to use the ‘Atomic Patterns’ theory in the conversations you have with financial advisors today. (10:13)
- Why treating finances like your favorite sports team is the only way to live a comfortable retirement. (15:26)
To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.
Make Your Money Matter is a show dedicated to separating myth from truth, so you may avoid the most common mistakes many Americans make with their money and make better financial decisions.
Your host Brad Barrett, CFP® is a Managing Director and Partner at One Capital Management, a top ranked independent investment advisory firm managing over $2.5 Billion in assets for clients across the country. He has advised individuals and families for over 15 years, is an active member of Kingdom Advisors, a biblically based advisory network and holds the Certified Financial Planner™ designation.