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Invested Poorly: Sad Tales of FInancial Fails episodes
- You Know Enough About Investing to…Still Mess Everything Up (S3 E2)
S3 E2: Discovering FI (financial independence) can be thrilling and it’s tempting to quickly make changes to your finances and investments. This episode cautions you to proceed slowly to ensure you fully understand the financial ramifications of your actions. Because you don’t want to win the battle, but lose the war.
“Small things” like transaction fees, taxes, and placing trades are easily misunderstood or overlooked, thereby altering the timeline to reach FI. Another common failure discussed is not reinvesting dividends and capital gain distributions.
Jeff Harrell explains how such oversights are easy to fix if identified early. But if they go unnoticed, they could slow your FI journey significantly. Remember, a bit of knowledge goes a long way.
(Season 3 Episode 2)
Resources Mentioned in Episode:
- Mad FIentist article, “HSAs – The Ultimate Retirement Account”
- Morningstar article, “Key Rules for a Backdoor Roth IRA Contribution”
Other Episode Referenced:
- Asset Location Is All About…Taxes, Taxes, Taxes (S2 E5)
Podcast produced by Ted Cragg of QuickEditPodcasts.com
Music Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com15 min - Investment Phases…Accumulation to Transition to Drawdown (S3 E1)
S3 E1: The three investment phases we all go through are accumulation, transition, and drawdown. This episode explains how to invest during each phase and what changes you should make as you shift from one phase to the next.
Host Jeff Harrell shares his unique strategy to navigate all three phases. Using his personal FI journey as a guide, you will be able to steer your own path to FI success based on your specific situation.
In less than 15 minutes, you’ll learn how to manage a portfolio over multiple decades and life changes. Simplifying your portfolio and having a strategy based on your stage of life, not market conditions, should lead to peace of mind when it comes to managing your investments.
(Season 3 Episode 1)
Resources Mentioned in Episode:
- Cody Garrett (Measure Twice Money) video, "Retirement Savings Order of Operations"
- Measure Twice Money YouTube Channel
- Target Asset Allocation by Investment Phase table - illustrates recommended target asset allocations by asset class during the three investment phases of Accumulation, Transition, Drawdown - See episode Show Notes on our website
Other Episodes Referenced:
- I’ll Wait to Invest When the Stock Market Pulls Back…Why? (S1 E7)
- BONUS: My Investment Portfolio…From Stocks to Bonds to Cash
Podcast produced by Ted Cragg of QuickEditPodcasts.com
Music Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com15 min - Cody Garrett (Measure Twice Money) video, "Retirement Savings Order of Operations"
- Season 3 Preview – Invested Poorly: Sad Tales of FInancial Fails
In the third season of Invested Poorly: Sad Tales of FInancial Fails, host Jeff Harrell adds a twist with more personal stories, including how he’s managing his own investments.
Season 3 highlights how Jeff’s perspective differs from mainstream financial advice with respect to investing throughout your various phases of life. He will give you some food for thought on popular investment themes such as index funds, as well as individual stocks and bonds, and more topics that impact your finances like legacy planning, privacy and security, spend tracking, etc.
Jeff teaches many lessons learned from his FI journey, while continuing to provide plenty of examples of poor decisions he witnessed investors make during his career. All to help you enjoy a smoother path to financial independence.
(Season 3 Trailer)
Podcast produced by Ted Cragg of QuickEditPodcasts.com
Music Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com2 min - Wrap-Up Season 2 – Invested Poorly: Sad Tales of FInancial Fails (S2 E11)
S2 E11: Season 2 is now in the books! Host Jeff Harrell summarizes the investing lessons learned in the second season, highlighting the theme of each of the 10 episodes—ultimately to help you sidestep those common investing pitfalls that have trapped other investors.
Jeff also shares about the ways you can stay connected to the show and reminds listeners that the path to financial independence (FI) is not complicated but requires patience.
Don’t forget, when it comes to investing, always… “ignore the noise.”
(Season 2 Episode 11)Podcast produced by Ted Cragg of QuickEditPodcasts.com
Music Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com6 min - If You’re Worried About Running Out of Money…You Probably Won’t (S2 E10)
S2 E10: Speaking especially to people who are sensible with their finances and live within their means, Jeff Harrell discusses one of the greatest fears all investors face, longevity. While this fear is real for many, experience suggests these fears are likely irrational for those who act in fiscally responsible ways throughout their lifetime.
You’ll hear stories of encouragement to spend more after attaining financial independence, as well as the simple FI budget strategy Jeff uses personally to ensure he optimizes his spending now that he is FI.
This episode offers the listener an opportunity to develop a FI mindset, providing confidence all the hard work in the early years will pay off.
(Season 2 Episode 10)
Resource Mentioned in Episode:- FI Budget (target spending percentages spreadsheet) - see episode Show Notes on our website
Podcast produced by Ted Cragg of QuickEditPodcasts.com
Music Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com11 min - FI Budget (target spending percentages spreadsheet) - see episode Show Notes on our website
- Financial Planning Software…Smoke and Mirrors (S2 E9)
S2 E9: This episode highlights the shortcomings of one of the most popular benefits touted by the financial services industry: financial planning software. Jeff Harrell shares his experience with how advisors use this tool in practice, as well as how DIY investors can gain access to similar features at a fraction of the cost.
Jeff will arm you with the knowledge of just how useful—or not—these applications could be in your situation. Understanding the sensitivity of the variables and wide range of outcomes they can project will allow you to be better informed when evaluating the output.
The episode concludes with a balanced look at the real value of financial planning software and unbiased recommendations for a couple DIY solutions.
(Season 2 Episode 9)
Resources Mentioned in Episode:- OnTrajectory – retirement planning software for regular people
- Projection Lab – modern financial & retirement planning tools
Other Episode Mentioned:- One Percent…Way More Than You Realize (S2 E7)
Podcast produced by Ted Cragg of QuickEditPodcasts.com
Music Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com11 min - Your Investments Are Located…All Over the Place (S2 E8)
S2 E8: Maintaining total control of your finances starts with something that seems simple and yet tends to be a major hurdle for many of us to overcome. Discover the importance of organizing your investment accounts and how merely knowing where all your money is located can lead to better investment results in the long term.
Jeff Harrell shares more stories from the trenches of financial planning that illustrate why the negative effects of putting off your financial “to-do list” for a few more months or maybe even years will only worsen the longer you wait.
This episode is designed to get you to stop procrastinating and start taking action with some small steps that will make a big impact on your FI journey.
(Season 2 Episode 8)
Resources Mentioned in Episode:- A list of index exchange traded funds (ETFs) to consider if your custodian doesn’t charge transaction fees for each purchase, and no-fee index mutual funds offered by custodians Schwab and Fidelity in various asset classes - see episode Show Notes on our website
Other Episode Referenced:- Asset Location Is All About…Taxes, Taxes, Taxes (S2 E5)
Podcast produced by Ted Cragg of QuickEditPodcasts.com
Music Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com11 min - Investment Returns Less 1% Costs…Up to 1/3 of Your Net Worth?!? (S2 E7)
S2 E7: This episode will blow your mind when you find out how neglecting something that seems so small and insignificant can have a catastrophic impact on your timeline to reach FI. Jeff Harrell discusses how investors who make sure they pick up every “nickel, dime, and quarter” possible in their investment portfolio will reap the benefits many years down the road.
Listeners will be provided with other resources that you surely would never be directed to by the traditional financial services industry. After listening to this episode, you will be armed with the knowledge necessary to help make better investment decisions when it comes to not only choosing your investments, but how you go about personally obtaining financial advice.
Understanding the impact a small percentage can make will allow you to turn the power of compound interest in your favor.
(Season 2 Episode 7)
Resources Mentioned in Episode:- Forbes article, “How A 1% Investment Fee Can Wreck Your Retirement”
- YouTube video, “Retirement Plans: Last Week Tonight with John Oliver” (21-minute episode)
- Advice-only financial advisors:
- Nectarine
- Advice-Only Network
Podcast produced by Ted Cragg of QuickEditPodcasts.com
Music Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com12 min - Focusing on Dividends and Income Is…Not Important!! (S2 E6)
S2 E6: This episode might be one of the most controversial because it will challenge the view that dividends and income are meaningful when it comes to investing. Many investors find these to be a vital component of their investment strategy, but Jeff Harrell provides his take on why the yield of an investment is completely irrelevant to him.
Jeff provides examples of investors who swear by dividends, but offers research-backed evidence, as well as personal experience, as to why those beliefs are irrational and ignore the impact of inflation.
Listeners should be prepared to hear a critical take on a popular investing strategy and why it may be more bark, than bite.
(Season 2 Episode 6)
Resources Mentioned in Episode:- Morningstar article, “There Is Nothing Special About Dividends”
- Chart showing the S&P 500 Index’s Dividend Yield (1960-2023) - see episode Show Notes on our website
Podcast produced by Ted Cragg of QuickEditPodcasts.com
Music Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com10 min - Asset Location Is All About…Taxes, Taxes, Taxes (S2 E5)
S2 E5: Investing in the stock market is one of the best tools available to help you reach financial independence. However, there is one variable you must factor in that, if neglected, could result in a longer path to get there: taxes.
Jeff Harrell shares his experience which suggests that even the professionals often neglect this key component of financial planning, and there’s a rather disturbing reason as to why. Sometimes in the financial services industry, you don’t get what you pay for.
Relying on both empirical evidence, experience, and his own personal tax situation, Jeff illustrates how better understanding the impact of asset location can shorten your path to FI—and lead to more spending power once you get there.
(Season 2 Episode 5)
Resource Mentioned in Episode:- Vanguard article, “Asset location can lead to lower taxes. Here's how to get more value.”
Other Episode Referenced:- Diversification Sounds Great…But Nobody Actually Does It! (S2 E2)
Podcast produced by Ted Cragg of QuickEditPodcasts.com
Music Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com10 min
About Invested Poorly: Sad Tales of FInancial Fails
From the publisher's feed
When it comes to navigating the twists and turns of stock market investing, do you choose poorly? Or wisely? Experience suggests most of us are bad investors, although you may not hear this from…
speaking with friends and family. Sadly, the compounding effect of poor investment decisions can add up to a lot of money lost and time wasted.
On “Invested Poorly: Sad Tales of FInancial Fails,” host Jeff Harrell offers unique perspective and energy as he guides you through common pitfalls that trap everyday investors. You’ll hear real-life investing stories sure to make you laugh, cry, think, and learn. These “don’t let this happen to you” lessons teach you to recognize, and eliminate, the bad behavioral tendencies most investors have—so you can become the hero of your own investment story.
You might be surprised (or you might not!) when you realize just how attainable financial independence (FI) can be if you invest simply and “ignore the noise.”
Start with the show "Introduction" episode and join Jeff on the investing adventure today!
ABOUT YOUR HOST: Jeff Harrell spent over two decades as a financial advisor, portfolio manager, and public speaker. He left his financial services career for a more flexible, less stressful, location independent (LI) lifestyle, and now enjoys educating family, friends—and everyday investors—on how to invest their money wisely.
On “Invested Poorly: Sad Tales of FInancial Fails,” host Jeff Harrell offers unique perspective and energy as he guides you through common pitfalls that trap everyday investors. You’ll hear real-life investing stories sure to make you laugh, cry, think, and learn. These “don’t let this happen to you” lessons teach you to recognize, and eliminate, the bad behavioral tendencies most investors have—so you can become the hero of your own investment story.
You might be surprised (or you might not!) when you realize just how attainable financial independence (FI) can be if you invest simply and “ignore the noise.”
Start with the show "Introduction" episode and join Jeff on the investing adventure today!
ABOUT YOUR HOST: Jeff Harrell spent over two decades as a financial advisor, portfolio manager, and public speaker. He left his financial services career for a more flexible, less stressful, location independent (LI) lifestyle, and now enjoys educating family, friends—and everyday investors—on how to invest their money wisely.