AI tools seem to be everywhere right now. It’s only natural to wonder if human financial planning is still worth it, especially as new platforms promise smarter automation and fee compression. I dig into how much the landscape has changed in just months, share behind-the-scenes stories about testing OpenAI, Claude, and emerging tools like Hazel, and get real about what AI can (and absolutely can’t) do for students, professionals, and families with complex needs.

Along the way, we talk about value beyond the spreadsheet — how emotional tradeoffs, life planning, and actual human connection still matter, even as the numbers-crunching gets faster and sharper.

Key moments:

(01:06) Testing OpenAI and Claude for real-world financial planning tasks — and what surprised me most

(05:45) How AI-driven “margin killers” impacted Wall Street valuations for custodians and advisors

(13:05) Where AI falls short: sycophantic answers and the critical human element in life decisions

(16:26) Real examples of balancing emotional, family, and financial goals that AI just can’t handle

Resources mentioned:

Hazel by Altruist: https://altruist.com/hazel

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SLP Wealth, LLC is a registered investment adviser registered with the United States Securities and Exchange Commission. Subscription does not imply any level of skill or training. This content is intended for general information, educational, or entertainment purposes only and should not be construed as investment advice.

SLP Wealth, LLC is a registered investment adviser registered with the United States Securities and Exchange Commission. Subscription does not imply any level of skill or training. This content is intended for general information, educational, or entertainment purposes only and should not be construed as investment advice.

We sit down to recap what we saw this season and the fixes you can make before next year's return. You'll learn how Form 8606 keeps your backdoor Roth from getting taxed twice, why earned income still matters in community property states, and how Form 8958 should split income when you file separately. We get into Schedule C pitfalls, the line between a business and a hobby, the home office deduction, and why homeowners need to know about depreciation.

We also cover a safe harbor approach for 1099 earners, what to expect in your 2026 tax planning meeting, and how the new SALT cap deduction is opening up itemizing for more of our clients.

Key moments:

(02:36) Form 8606 and the backdoor Roth pitfalls we saw this season

(09:18) Community property, earned income, and Form 8958

(14:51) Schedule C and the line between a business and a hobby

(21:17) Quarterly estimated payments and safe harbor for 1099 income

(28:50) The new SALT cap: who it helps and how it changes standard vs. itemized deductions

Resources mentioned:

• IRS Form 8606, Nondeductible IRAs
• IRS Form 8958, Allocation of Tax Amounts Between Certain Individuals in Community Property States
• IRS Form 2210, Underpayment of Estimated Tax by Individuals, Estates, and Trusts
• QuickBooks

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SLP Wealth, LLC is a registered investment adviser registered with the United States Securities and Exchange Commission. Subscription does not imply any level of skill or training. This content is intended for general information, educational, or entertainment purposes only and should not be construed as investment advice.

SLP Wealth, LLC is a registered investment adviser registered with the United States Securities and Exchange Commission. Subscription does not imply any level of skill or training. This content is intended for general information, educational, or entertainment purposes only and should not be construed as investment advice.

Feelings and headlines can easily influence the choices we make with money—often at our own expense. I walk through how relying on stories or vibes (instead of cold, hard stats) can impact everything from investment picks to whether you stick with a high-value loan strategy like PSLF. We get into cognitive biases that trip up even the smartest people, dig into major financial opportunities that exist in obscure rules (like the Augusta Rule), and break down how “bad trades” happen when you don’t understand the real value of what you have.

Key moments:

(06:28) What commitment bias, anchoring, confirmation bias, and loss aversion do to your investment choices

(13:11) The Augusta Rule explained: rent your home up to 14 days a year, tax-free

(17:37) The Vanderbilt hat trade: refinancing federal loans you shouldn't, selling at a loss, and chasing salary without weighing benefits

⬇️ Download our free financial independence with student loans calculator.

There’s no one-size-fits-all for wealth. Get the plan that fits you. Try SLP Wealth risk-free!

Like the show? There are several ways you can help!

• Follow on Apple Podcasts, Spotify, or Amazon Music
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SLP Wealth, LLC is a registered investment adviser registered with the United States Securities and Exchange Commission. Subscription does not imply any level of skill or training. This content is intended for general information, educational, or entertainment purposes only and should not be construed as investment advice.

SLP Wealth, LLC is a registered investment adviser registered with the United States Securities and Exchange Commission. Subscription does not imply any level of skill or training. This content is intended for general information, educational, or entertainment purposes only and should not be construed as investment advice.

A lot of you have been asking the same question: what do you actually do with your portfolio when the Middle East is at war, oil is above $100 a barrel, and the headlines are doing their worst? We walk through why timing the market during global crises almost always backfires, how to think about your money by time horizon, and why international stocks are quietly outperforming US stocks year-to-date in 2026.

We also get into why algorithmic rebalancing, tax-loss harvesting, and boring moves like maxing out the backdoor Roth matter way more than reacting to the news cycle.

Key moments:

(02:19) The chain reaction from rising oil prices to grocery bills and inflation

(03:52) When ceasefires or unexpected events trigger sharp market moves

(04:35) The best approach for short-, medium-, and long-term financial goals

(12:01) What to actually do right now: rebalance, harvest tax losses, and max your retirement accounts

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We're surrounded by messages telling us to want more: more income, more accounts, more complexity. But the winners in both golf and personal finance are usually the ones who do less, better. I pull lessons from the Masters tournament to show how lowering your financial "score," whether that's your interest rate, your stress level, or your monthly obligations, can help you actually win with money.

You'll learn where paying less, owning less, and even thinking less can maximize your results — and why you don't need to make things harder than they have to be.

Key moments:

(08:37) Lower your interest rate with debt to pay less interest over time (obvious but powerful)

(14:37) Using automation to reduce financial stress and decision fatigue

(19:53) How simplifying your accounts can cut through the mental clutter

(25:12) Smarter ways to minimize your tax bill (without giving Uncle Sam an interest-free loan)

Resources mentioned:

• Monarch Money

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Spring isn't just for your closet or car — it's the perfect time to clear out financial clutter and get intentional about where your money's going. We're walking through a step-by-step guide to help you refresh your tax strategy, optimize your credit and accounts, rethink your spending, and set up automation so you're not relying on willpower to stay on track. You'll get practical tips for streamlining everything from old 401(k)s to credit card rewards, so your financial life feels as organized and "light" as your favorite freshly cleaned space.

Key moments:

(03:10) How to check and adjust your W-4 withholdings after tax season

(12:22) Before closing cards: avoid hurting your credit score

(17:50) Why your emergency fund belongs in a high-yield savings account

(22:58) Simple ways to optimize investments and reduce future taxes

Resources mentioned:

• AnnualCreditReport.com — free credit report access
• Goodwill Donation Value Guide
• Monarch Money — budgeting tool

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Most people's New Year's resolutions fall apart by spring — research says the average resolution lasts about 3.74 months, and we're right at that tipping point. So let's get honest about how behavior — not just the calendar — shapes the path, and why it's so easy to talk ourselves out of the dreams that matter most. Many of the limits we put on our financial lives aren't handed down by a judge. Instead, they're stories we've told ourselves that we've never really questioned.

I walk through why the things you've been dreaming about (a four-day workweek, that big annual trip, a career shift) might not be a money problem at all, but a decision problem, and how running the numbers on trade-offs can change the whole picture.

Key moments:

(06:22) Reframing the things you think you "can't" change

(08:13) What dropping to a four-day workweek actually does to your long-term retirement projections

(12:47) Why making one big change beats a thousand tiny cuts in your budget or career

(20:23) The hidden cost of staying stuck: trading time, clarity, or happiness without realizing it

Resources mentioned:

• Meditations for Mortals

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AI is reshaping every corner of finance, and we know there's a lot of noise out there about whether artificial intelligence can actually replace your financial advisor. We get real about what AI tools can — and can't — do for your money, especially when it comes to financial planning, coaching, and those pivotal life decisions. You'll hear why tech can help with tasks like data analysis or budgeting, but doesn't replace the human relationship, judgment, and accountability that a true planner offers — especially when your goals (or spouse's dreams) don't show up neatly in a spreadsheet. We also talk about where AI is already making our own work faster and better, plus the emotional side of planning in a world full of information and tech-driven change.

Key moments:

(01:52) Why the hype about AI replacing financial advisors doesn't match reality

(03:02) How real-life goals and stressors can't be captured by AI's point-in-time advice

(06:22) A case study: when AI misses the key element in a student loan forgiveness plan

(15:04) Which parts of financial planning will — and won't — be replaced by AI

(28:14) The difference between DIY, validator, and delegator clients — and how tech fits in

(35:57) Why scenario planning is more than numbers, and where pros add value you can't automate

Resource mentioned: PSLF Payment Tracker

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Most people with big student loans assume they'll be grinding until their 60s before they can finally breathe, but that math is usually way off. Most professionals have far more control over their work-life balance than they realize. You'll hear practical ways to rethink saving, spending, and career planning so you can reclaim time, energy, and purpose right now (not just decades from now). Learn the math and the mindset you need to start living the life you want, sooner than you think.

Key moments:

(03:31) Running the numbers to show why dramatically changing your job tomorrow is more realistic than you think

(06:04) What most high earners say they'd do if they had "enough"

(07:24) Why pausing retirement savings for daycare years isn't as bad as it seems

(15:08) The one "big thing" you need to be frugal on to open up your life

There's no one-size-fits-all for wealth. Get the plan that fits you. Try SLP Wealth risk-free!

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Most people hear "debt restructuring" and immediately think bankruptcy, but that's not what we're talking about here. This episode is about reshuffling your debt stack in a way that frees up cash flow, takes advantage of interest arbitrage, and gets you to your goals faster. We walk through how rethinking which debts get your extra dollars — based on deductibility, interest rates, and after-tax cost — can save you thousands every year and unlock breathing room.

Key moments:

(01:32) Deductible debt vs. non-deductible debt, and how mis-prioritizing payments can work against you

(06:43) The math behind why paying a 5% student loan is equivalent to a risk-free 8-9% return

(11:50) Why inflation can actually benefit debt-holders with significant assets

(13:56) Restructuring mortgage debt near retirement to delay Social Security and maximize benefits

(17:17) When it's okay to ignore the math: behavioral finance and the psychology of debt payoff

There's no one-size-fits-all for wealth. Get the plan that fits you. Try SLP Wealth risk-free!

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