Simply Money

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Federal Reserve’s decision to hold interest rates steady and what it means for high-net-worth investors in 2026. They unpack the surprising drop in consumer confidence despite strong economic indicators, and analyze the growing risk of a government shutdown. Plus, how “Roaring Kitty” and the GameStop saga empowered retail investors – and what that could mean for your portfolio. The guys also answer listener questions on Roth conversions, skyrocketing RMDs, and managing early retirement health insurance. Finally, cybersecurity expert Dave Hatter joins to explain why your inbox might be the weakest link in your financial life.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian go inside the mind of the millionaire. They reveal why wealth isn’t just about what you invest in—it’s about how you think about money. From panic-selling to playing the long game, they break down how successful families approach risk differently. You’ll hear why a comprehensive financial plan beats a bucket of investments every time, how tools like direct indexing and tax-loss harvesting can turn market drops into opportunities, and why emotional decisions can cost you hundreds of thousands. Plus, a word of caution to Cincinnati investors holding too much company stock—yes, we’re talking about P&G.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what true wealth in retirement really means, from aligning your spending with your values to making smart pension choices, planning for business succession, and tackling real listener questions about emergencies, uneven expenses, and estate duties.

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See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian share a critical warning for anyone working with a financial advisor—especially if you've never verified their credentials—by breaking down a shocking real-life fraud case and explaining how to protect yourself. They then explore whether gold deserves a place in every investor’s portfolio, offering a measured take that separates fear from smart planning. Next, they go on a “rescue mission” to uncover the risks of neglecting old 401(k) accounts—especially for high-net-worth individuals—and explain how to make them work harder for your retirement. The listener mailbag is full of smart questions, from whether to help your kids with a house down payment, to protecting your portfolio from a bad first year of retirement, to managing concentrated stock positions in a tax-smart way. The show wraps with a must-hear checklist for reviewing life insurance policies you may have forgotten about, and how those dollars could potentially serve a better purpose in your plan today.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into a question every successful saver eventually faces: Are you building the life you want—or just building a bigger balance sheet? They explore the “scoreboard syndrome” that drives high-net-worth individuals to keep chasing higher numbers without knowing why, and share real stories of clients with millions who hesitate to spend even small amounts on meaningful things. From financial perfectionism and lifestyle creep to the pressure of living someone else’s version of success, they challenge listeners to redefine wealth in terms of life satisfaction—not just dollars.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the seven most common financial lies we tell ourselves – from “I’ll be happy when I have more money” to “I’ll figure it out on my own.” These aren’t just small white lies; they’re deeply emotional narratives that can quietly sabotage your financial future. Whether you're navigating lifestyle creep, market timing fears, or generational silence around money, this episode helps you recognize these self-deceptions and replace them with smart, actionable advice. Plus, tips for protecting your finances through divorce, estate planning updates you might have missed, and the growing threat of elder cyber scams.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to handle your money when markets get rattled by tariff talk and headline hysteria. With President Trump stirring global conversations in Davos and fresh concerns over trade wars, unrest, and corporate profits, they revisit the fundamentals: staying invested, rebalancing, and using market volatility to your advantage. They also examine tax-loss harvesting, buffered ETFs, and how direct indexing can help high-net-worth investors stay ahead. Plus, a new report shows the average 50-something American now has a net worth over $1 million. But how did they get there—and does it even mean they're ready for retirement? Bob and Brian unpack the wealth-building habits that really matter and the next-level strategies for those with a higher net worth.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest tariff threats and why Greenland is suddenly the geopolitical flashpoint the markets didn’t ask for—but got anyway. They dive into whether a volatile global backdrop is reason enough to adjust your investment outlook. Then, they shift to a breakdown of today’s ETF landscape: from classic index funds to sector-specific plays, thematic bets, and buffered strategies—do you actually know what you own? They also explore whether new rules allowing 401(k) withdrawals for home down payments make financial sense and why mutual fund capital gains can mess with your cash flow planning. Plus, real estate expert Michelle Sloan joins the show to answer a common question: renovate or relocate? And as always, Bob and Brian take listener questions, offering Allworth insights on tax-efficient withdrawals, HSA strategy, and how to think smartly about Roth conversions.

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