Podcasts about behavioral finance

Der US‑Aktienmarkt ist der Renditetreiber schlechthin für den weltweiten Aktienmarkt – fast alle Gewinne stammen von einer kleinen Elite von Unternehmen. Was treibt die Performance von Aktien? Sind konzentrierte Strategien, die auf der Auswahl von Einzeltiteln basieren sinnvoll? Ist Diversifikation nicht die bessere die Strategie? Der Finanzwissenschaftler Hendrik Bessembinder hat den Anspruch, die Weltformel des Investierens zu finden. Der Akademiker von der Arizona State University ist seit 2018 den Langfristrenditen des US‑Aktienmarkts auf der Spur.    Ich habe mich mit Sebastian Lewis darüber unterhalten.   Sebastian Lewis ist Senior Strategist im Advisory Research Centre (ARC) von Vanguard Europa. Er befasst sich mit Forschung, Analysen und praxisnahen Konzepten zu Themen wie Portfolioaufbau, Behavioral Finance, Ruhestandsplanung, Nachfolgeplanung und dem Mehrwert von Finanzberatung. Zu seinem beruflichen Hintergrund: Studium in Oxford (Modern Languages). 1999–2003 bei Morgan Stanley im Equity Sales. Anschließend rund 15 Jahre bei Sanford Bernstein in New York mit Schwerpunkt Asset Manager, Hedgefonds und Sovereign Wealth Funds. Von 2018 bis 2022 Director of European Research bei Sanford Bernstein in London. Seit Januar 2024 bei Vanguard.   Du hast eine Frage oder Themen-Wunsch für den Podcast? Schreibe mir gerne einfach per E-Mail: krapp@abatus-beratung.com   Viel Spaß beim Hören, Dein Matthias Krapp   Ab SOFORT verfügbar: Meine "WERTE-Strategie" ist nun für jeden online zugänglich, der nach meiner Anlagephilosophie breit gestreut und langfristig Anlegen möchte, auch unterhalb 100.000 Euro Anlagevolumen > https://www.abatus-beratung.com/wertestrategie/jetzt-investieren/   Hier kannst Du Dich kostenlos für meinen Minikurs registrieren und reinschauen.  Es lohnt sich: https://portal.abatus-beratung.com/geldanlage-kurs/    Entlasten Sie sich und Ihre Familie durch: Vorsorgevollmacht, Patientenverfügung, Sorgerechtsverfügung, Haustier-Notfallplan, Unternehmervollmacht, 24/7 Notfall-Hilfe, Anwaltliches Testament -> https://krapp3.juradirekt.com/  

Seit 30 Jahren macht der Hamburger HAC fast alles anders als viele Vermögensverwalter – und ist damit erfolgreich. Gründer Michael Arpe und Vorstand Tobias Gabriel erklären, warum ihr Haus bewusst auf Prognosen verzichtet, was es mit dem „Allwetter"-Portfolio auf sich hat und warum der beste Profi laut HAC dasselbe Gehirn hat wie jeder Hobby-Anleger. Es geht um Behavioral Finance und die eigene Demut, um einen Generationenübergang, der wirklich funktioniert, um das Gegenprogramm zu Robo-Advisorn mit echten Menschen am Telefon – und um die vielleicht wichtigste Frage: Wie investiert man eigentlich entspannt? Ein Gespräch über Hanseatentum, Ray Dalio, die Angst vor dem nächsten langen Crash und die Erkenntnis, dass das meiste in der Wirtschaftspresse nach 14 Tagen nur noch Rauschen ist.

Send us Fan Mail Financial Budget/Wealth Management app (FREE): https://centsora.com/ Nearly one in three Americans don't track their spending—yet 76% say they're optimistic about improving their finances. That gap between intention and outcome is a thinking problem, not a math problem. In this episode, M.A. Aponte unpacks four cognitive biases that sabotage financial behavior — present bias, anchoring, loss aversion, and identity spending — and shows how building financial literacy improves decision-making across every domain of your life. Whether you're trying to budget better, build wealth, or simply make smarter choices under pressure, this episode gives you the Financial Thinking Stack and a 3-Question Decision Filter you can use immediately. Support the showJoin My Substack for more content: maaponte.substack.comConsulting/Advisory Services: MAAponte.comProfessional LinkedIn Page: www.linkedin.com/in/maaponteFinancial Budget/Wealth Management app (FREE): https://centsora.com/CHECK OUT OUR NEW CRITICAL THINKING GAME APP! Currently in BETA: Android: https://play.google.com/store/apps/details?id=com.base692af669b00f0dc8d8ad6653.appWeb: https://play.google.com/apps/testing/com.base692af669b00f0dc8d8ad6653.app*Coming soon to Apple Store

Tom and Don tackle the impossible task of spotting market bubbles in real time, leaning on insights from Jason Zweigand Eugene Fama to argue that if bubbles were truly predictable, they wouldn't exist. They discuss soaring semiconductor and AI-related stocks, speculative manias from tulips to SPACs to Bitcoin, and why diversification and disciplined rebalancing beat emotional market timing every time. Listener questions cover tax-loss harvesting and wash sales involving VT, VTI, and VXUS ETFs, family conversations about money, Roth conversion strategy for a wealthy near-retiree, and Dimensional's refusal to chase hot IPOs despite the S&P 500's changing rules. Along the way, there's plenty of classic TRM banter about giant brains, vacation boredom, and the dangers of trying to outsmart markets that are probably smarter than all of us combined.0:05 Bubble noises, market mania, and why everyone thinks they can spot bubbles1:11 Jason Zweig on semiconductor stocks soaring nearly 40% in a month2:23 Emerging markets, small value, and global stocks compared to AI-driven speculation3:39 Eugene Fama explains why bubbles are impossible to identify in real time4:26 Dot-coms, Bitcoin, SPACs, and the legendary tulip bulb bubble5:03 Why “doing nothing” often beats reacting emotionally to market fears5:51 Jason Zweig's sign of a bubble: when critics get attacked instead of debated7:15 Rebalancing, diversification, and why the S&P 500 alone isn't enough9:41 Listener question on tax-loss harvesting, wash sales, and replacing VT with VTI and VXUS14:05 Why families should talk openly about money instead of outsourcing financial education to TikTok17:44 Near-retiree with $7.3 million asks about Roth conversions and paying taxes from IRAs20:36 Dimensional responds to S&P rule changes allowing earlier IPO inclusion21:15 Why Dimensional avoids IPOs during their first year after going public22:39 Allbirds' collapse from a $2.2 billion IPO to a $39 million sale24:47 Why waiting before buying IPOs may reduce riskQuestions? Comments? Click!

Today, Amy and Jag look at a financial risk that is easy to ignore because it does not feel urgent in the moment: the cost of doing nothing. In this episode, we focus on how delays in financial decisions can quietly create long term consequences, especially for healthcare professionals who are used to acting quickly at work but may postpone choices in their own financial lives. The central idea is simple. Inaction is still a decision, and over time it can carry a real cost. Amy explains that many financial delays do not come with immediate pain. Income is still coming in, accounts still exist, and nothing appears broken. That makes it easy to leave cash uninvested, skip HSA contributions, ignore open enrollment changes, or delay insurance decisions. But time is often the thing being lost, and time can translate into large amounts of money. A $100,000 cash balance left sitting too long can mean missing tens of thousands of dollars in growth. Missed HSA contributions can reduce both tax savings and long term wealth. Idle cash spread across accounts may not seem serious until the total missed opportunity becomes clear. The episode also highlights timing windows that matter. Open enrollment, tax planning before year end, lower income years that create Roth conversion opportunities, and insurance decisions made while health is still favorable can all have meaningful financial impact. Amy gives several examples where waiting leads to higher taxes, less retirement savings, or insurance that becomes more expensive or unavailable. She also notes that rule changes can remove options people assumed would still be there later. A major theme in the conversation is that the biggest mistakes are often basic ones that never get revisited. People repeat the same benefits elections, forget to update beneficiaries, let cash build up unintentionally, and miss planning opportunities because nothing forces action. Amy stresses that beneficiary designations override a will, which makes that one of the fastest and most important items to review. She also emphasizes income protection through insurance and the importance of identifying unintentional cash balances. The practical advice is to start small and focus on what matters most. Review beneficiaries. Check insurance coverage. Look for idle cash. Make a short list of what has a deadline, what affects family, and what becomes more expensive if delayed. Amy suggests one or two intentional financial reviews each year, along with a pre year end tax check and regular check ins on the biggest issues. The message is not to do everything at once. It is to notice what has been sitting too long and move it forward. Doing nothing feels neutral, but it is often where the biggest hidden costs begin. (00:00) Intro (00:16) Why financial inaction feels harmless (01:50) The real cost of waiting (03:10) Missed HSA contributions and idle cash (04:29) How to triage financial decisions (05:00) Tax timing and lower income years (06:14) Why insurance gets riskier to delay (06:51) Decisions that get more expensive over time (10:05) Common mistakes people make when they delay (12:18) Where to start fixing it (17:57) Key takeaways To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

Welche Überzeugungen über ETFs sind weit verbreitet und halten einer sachlichen Prüfung nicht stand? In dieser Episode von „How I met my money" nehmen sich Lena und Ingo die hartnäckigsten ETF-Mythen vor und gehen jedem einzelnen auf den Grund: Woher kommen sie? Wer profitiert von ihnen? Und was kosten sie wirklich? Ingo weiß aus jahrelanger Beratungspraxis: Wissen ist selten das Problem. Was Menschen aufhält, sitzt tiefer. In dieser Folge geht es um die Überzeugungen, die das Anfangen so schwer machen: – Was Verlustangst neurologisch im Gehirn auslöst und warum sich finanzielle Einbußen wie körperlicher Schmerz anfühlen. – Was die Börsengeschichte der letzten 100 Jahre über den richtigen Einstiegszeitpunkt sagt. – Was Aktien-ETFs und risikoarme ETFs voneinander unterscheidet und warum sie ständig in einen Topf geworfen werden. – Warum Zweifel beim Investieren sich so oft wie Vernunft tarnen. Zum Abschluss fragt Lena, warum man überhaupt investieren sollte. Ingo's Antwort hat überraschend wenig mit Geld zu tun.

Don and Tom tackle the strange psychology of politics and investing, exploring how Republicans and Democrats consistently perceive the economy and markets differently depending on who occupies the White House. Drawing on research from Spencer Jakab, the University of Michigan, and Dimensional Fund Advisors, they argue that long-term market performance has historically shown little correlation to presidential party affiliation, despite investors' emotional reactions. The episode also features a thoughtful listener discussion about pensions in public safety careers, including the hidden risks of not paying into Social Security and the limitations of pensions as wealth-building tools. Additional listener questions cover Vanguard target-date fund combinations and the drawbacks of holding a costly variable annuity inside an IRA. The show wraps with commentary on pay-to-play podcast awards, Don's surprisingly modest Amazon book ranking triumph, and updates on his upcoming Civil War novel The Line Uncrossed which has been pre-released for podcast listeners in an exclusive ebook bonus package at donmcdonald.com0:05 Politics, perception, and the “presidential puzzle”2:26 Partisan views on the economy and stock market3:51 Why presidents have limited long-term market impact6:03 Emotions, investing, and politically themed ETFs8:18 Why asset allocation matters more than politics8:51 Performance of the MAGA ETF vs. expectations10:51 Listener question: pensions, Social Security, and public safety careers15:11 The importance of supplemental retirement savings alongside pensions16:38 Why pensions provide income but not generational wealth19:45 Listener question: mixing Vanguard Target Date 2035 and 2040 funds21:48 Debate over “rebalancing” target-date funds22:57 Listener question: variable annuity inside an IRA at Edward Jones24:28 Why variable annuities can be expensive and inefficient25:11 Fake podcast awards and pay-to-play recognition schemes27:07 “Financial Physics” Amazon ranking discussion28:32 Don's upcoming novel The Line Uncrossed and Civil War inspirationQuestions? Comments? Click!

Have you ever thought about your Financial DNA? What do you feel when you hear that money isn't a math problem, but a behavior problem? For me, that opens my thinking about finances, and I am curious as to how my behavior is the driver behind my financial decisions. My guest, Ted McLyman, is here to help us understand this process. Ted McLyman is a behavioral finance expert who helps people align their money decisions with how humans actually think, feel, and act—especially under stress and uncertainty. His time in the Marine Corps as a Lt. Col. taught him that even the best tactical plan can fail if it doesn't account for how people actually behave under pressure. Ted McLyman is a best-selling author and co-founder of Dream Smart Behavioral Systems, and specializes in helping individuals and organizations discover their unique Money Temperament, and guides them towards better financial choices through his innovative Money Behavior System.   In today's episode, Ted shares: Practical habits, Simple rules,  System that works with your brain—not against it.   Fix Self-Sabotage in 5 easy steps: Spot the triggers behind your “why did I do that?” spending Align money decisions with your real values (not your fantasies) Work with your money temperament instead of fighting it Build a learning approach that sticks Turn the plan into small, repeatable habits that create security   CONNECT WITH TED Website - https://tedmclyman.com Book – “Confessions of a Reformed Financial Advisor (Yep, It's Mostly BS), available on Amazon. Check out Ted's courses and coaching on https://tedmclyman.com   CONNECT WITH DEBI Website – https://www.debironca.com Instagram - @debironca Email – info@debironca.com Free Group Coaching - https://debi.sequoiatransitioncoaching.com/group-coaching YouTube - https://www.youtube.com/@DebiRoncaOfficial Amy Throw | Stylist & Image CoachI style women in clothes they love & build opportunities they believe in https://www.cabionline.com/?pws=styledwithsoul   Check out my online course! Your Story's Changing, Finding Purpose in Life's Transitionshttps://course.sequoiatransitioncoaching.com/8-week-program The Family Letter by Debi Ronca – International Best Sellerhttps://www.amazon.com/dp/B07SSJFXBD Free Clarity Call: https://calendly.com/debironca/free-clarity-call

EKIP #96 | Deep Dive 078 Die schwersten Schäden an den Kapitalmärkten entstehen oft nicht durch einzelne Fehlentscheidungen, sondern durch eine Abfolge logisch wirkender Anpassungen. Genau das ist eine Parallele zwischen dem Reaktorunglück von Tschernobyl und modernen Wertpapierportfolios. Im Mittelpunkt steht dabei weniger Technik als menschliches Verhalten in komplexen Systemen. Entscheidungen, die isoliert betrachtet plausibel erscheinen, können in ihrer Summe Instabilität erzeugen. Die Folge sind Risiken, die lange unsichtbar bleiben und erst in Stressphasen offen zutage treten.

Wir glauben, rational zu handeln – besonders beim Geld. Doch die Realität sieht anders aus: Unsere Finanzentscheidungen werden viel stärker von Emotionen, Denkfehlern und unbewussten Mustern beeinflusst, als uns lieb ist. Genau darum geht es in dieser Folge. Wir sprechen über Behavioral Finance – also die Psychologie hinter finanziellen Entscheidungen – und warum laut vielen Experten bis zu 95 % unseres finanziellen Erfolgs im Kopf entstehen. Warum halten Menschen an Verlusten fest? Weshalb überschätzen wir regelmäßig unsere Fähigkeiten? Warum springen so viele auf Hypes auf, nur weil „alle anderen“ dabei sind? Und weshalb löst FOMO oft schlechtere Entscheidungen aus als fehlendes Wissen? In dieser Folge schauen wir uns die größten psychologischen Fallen an: Verlustaversion, Overconfidence, Herdentrieb, Ankereffekt und Fear of Missing Out – verständlich erklärt und mit direktem Bezug zu echten Finanzentscheidungen. Eine Folge für alle, die Geld nicht nur verstehen, sondern ihr eigenes Verhalten endlich durchschauen wollen. Enjoy! --- --- --- Hallo und herzlich willkommen bei financial health, dem Podcast mit spannenden Inspirationen zu deinem privaten Finanzmanagement. Du bist neugierig? Hier findest du mehr noch über uns: - Instagram: www.instagram.com/financial.health.podcast - E-mail: team@financial-health.de - Linkedin: www.linkedin.com/in/julian-krüger-25358b204 - Linkedin: www.linkedin.com/in/amelie-lider-a97960208 - Xing: www.xing.com/profile/Julian_Krueger2 - Xing: www.xing.com/profile/Amelie_Lider - Instagram: www.instagram.com/julian.krueger.global - Instagram: www.instagram.com/amelie_lider - Audioschnitt: kontakt@mirja-mader.de Bei Fragen, Wünschen und Anregungen nehmen wir uns gerne Zeit für dich. Komm einfach auf uns zu. Wenn dir diese Folge gefallen hat, dann freuen wir uns, wenn du den Podcast abonnierst und eine Rezension auf iTunes hinterlässt. Damit hilfst du uns, dass noch mehr Menschen diesen Podcast finden und das Thema Finanzen eine positive Kraft in ihrem Leben wird. Viel Spaß & Erfolg beim Hören und Umsetzen der heutigen Folge wünschen dir Amelie & Julian. Die Inhalte dienen inspirativen Zwecken und ersetzen keine individuelle, professionelle Finanzberatung. Die Speaker übernehmen keine Haftung. ___________________ Mit ♥ produziert von Mirja Mader & beraten von uncover

Heinz-Werner Rapp ist Gründer des FERI Cognitive Finance Institute und früherer Chief Investment Officer bei FERI. Vor zehn Jahren verließ er die klassische Finanzmarktanalyse – nicht um sich von ihr abzuwenden, sondern um sie grundlegend zu erweitern. In dieser Episode spricht er mit Malte Dreher über sein Navigationssystem für Kapitalmärkte, das mehrere Erkenntnisräume zusammenführt: von Geopolitik und Technologie bis zu gesellschaftlichen Entwicklungen und Klimarisiken. Wir erfahren, warum Volatilität kein Risikomaß mehr ist, wie das Institut die Inflationswelle 2022 korrekt vorhergesehen hat – und warum Rapp überzeugt ist, dass Klimakipppunkte der am meisten unterschätzte Risikofaktor an den Kapitalmärkten sind. Außerdem: Was Behavioral Finance, Neurowissenschaften und Cognitive Finance verbindet, was das Ende der Pax Americana für Investoren bedeutet – und was Rapp in seiner Karriere rückblickend früher getan hätte.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if your investment results have less to do with what you own—and more to do with who you become when markets get uncomfortable?Most investors are taught to focus on picking the right stocks, funds, timing, or asset mix. But the real difference-maker is often behavior: how you react to uncertainty, losses, control, and fear. In this episode, you'll explore why two people can hold the same portfolio and still end up with very different outcomes—because their investor personality shapes the decisions they make along the way.You'll walk away with:A clearer understanding of the five investor personality types: the set-it-and-forget-it optimizer, skeptical controller, emotional reactor, confident operator, and security seeker.Insight into how loss aversion, overconfidence, and the urge for certainty can quietly influence your financial decisions.A better way to think about building an investment strategy that fits your real behavior—not just your risk questionnaire score.Press play now to discover which investor personality patterns show up in your financial life—and how to build a strategy you can actually stick with.

An der Börse geht es mitunter hektisch zu und Menschen orientieren sich dann gerne an tradierten Verhaltensregeln. Da kommen dann bekannte Börsenweisheiten wie „Lege nicht alle Eier in einen Korb.“ oder „The trend is your friend“ ins Spiel.  Aber, handelt es sich bei diesen Börsensprüchen um zeitloseErfolgsrezepte oder eher um gefährliches Halbwissen? Was sagt die Wissenschaft zu diesen Weisheiten und welche Rolle spielen sie in der Praxis eines professionellen Vermögensverwalters?Diese Fragen diskutiert GEWINN-Redakteur Martin Mayer mit Manfred Frühwirth, Professor an der Wirtschaftsuniversität Wien und Experte für Behavioral Finance, und Alfred Kober, Vorstand und Chief Investment Officer der Security KAG, in dieser Sonderausgabe des GEWINN-Podcast, die im Rahmen des Podcast-Festivals der Kleinen Zeitung im Schauspielhaus Graz im April 2026 aufgezeichnet wurde.

The biggest financial mistake high-earning physicians make isn't overspending — it's the exact opposite. In this episode of the Money Meets Medicine podcast, Dr. Jimmy Turner and Justin Harvey, CFP® dive into one of the most overlooked challenges in physician personal finance: the super saver trap. While most financial advice for doctors focuses on avoiding lifestyle inflation, living like a resident, and preventing the Diderot Effect, Jimmy and Justin tackle the other side of the coin — what happens when financially literate physicians save too much and can't flip the switch to actually enjoy their wealth. In this episode, you'll learn: Why the traditional "live like a resident" advice can backfire for financially literate physicians How the 10% Rule allows you to enjoy lifestyle upgrades without sabotaging your financial future The identity crisis that hits doctors when they realize they could go part-time, cut back to 3 days a week, or retire early Why "one more year syndrome" keeps physicians grinding long after they've reached financial independence How to balance saving, spending, and living a life you actually enjoy as a high-income earner The values-based decision-making framework Justin uses with clients facing major financial trade-offs (home upgrades, practice ownership, business launches) Why dying with too much money is a real risk for financially literate doctors — and how to avoid it How to use the Kinder questions to uncover what you actually want from financial independence Jimmy shares his personal journey of saving over a third of his income early in his attending career, then deliberately scaling back to take a lower-paying job 30 minutes from home so he could coach his kids' baseball team and be present for his family. Justin shares a real client story about a physician weighing a $2.7 million home purchase against time to retirement, work-life balance, and family values. Whether you're a resident, fellow, early-career attending, or established physician approaching financial independence, this episode will challenge you to ask the harder existential questions: What is enough? When can you flip the switch? And are you using money as a tool — or letting it use you? Resources mentioned in this episode:

Behavioral Finance, Are You Fearful or Greedy? - Join Certified Financial Planners Greg Cooley and Bubba Labas on another episode of Advisors' RoundTable!

Geld anlegen ist simpel – theoretisch. Man kauft vielversprechende Aktien, hält sie lange und wartet auf Gewinne. Doch dann kommt das Gehirn ins Spiel.

After you listen: Check out "Tax Basics: How to Plan Year-Round." Find more financial-planning resources on Schwab's Insights & Education site. On this episode, Mark Riepe examines why investors often approach taxes with a short-term mindset and how that can undermine long-term financial outcomes. Mark is joined by Hayden Adams, director of tax planning and wealth management research at the Schwab Center for Financial Research, to explore the difference between tax preparation and year-round tax planning. They discuss how tax aversion and loss aversion can distort decisions around investing, account selection, and retirement distributions, often leading people to prioritize minimizing today's tax bill over maximizing lifetime after-tax wealth. The conversation emphasizes the value of taking a longer view on taxes and integrating them thoughtfully into broader financial-planning decisions. Financial Decoder is an original podcast from Charles Schwab.  If you enjoy the show, please leave us a rating or review on Apple Podcasts. Reach out to Mark on X @MarkRiepe with your thoughts on the show. Follow Financial Decoder on Spotify to comment on episodes. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Schwab does not provide tax advice. Clients should consult a professional tax advisor for their tax advice needs. This information is not a specific recommendation, individualized Tax advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information.  Investing involves risk, including loss of principal. ​Past performance is no guarantee of future results. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. 0426-86DA Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

You're not lazy. You're not undisciplined. You're not broken. Your nervous system is doing exactly what it was built to do, which is protect you from anything unfamiliar. And until you understand that, no budget, no business plan, no Q2 goal is going to stick.This week on NoBS Wealth, Tessa Santarpia walks me through why self-sabotage has nothing to do with willpower. It's a mismatch. Your conscious mind wants more money, more visibility, more growth. Your subconscious identity thinks that's a threat to survival. And identity wins every single time.We break down why success triggers just as much threat as failure. Why high earners have just as many mindset problems as everyone else, they just have more zeros on the mess. Why "just automate it" is only half the answer. And why the moment you say "this always happens to me," that's your nervous system telling on itself.Tessa gives you three real moves you can make this week to rewire the pattern. Not more doing. Not more planning. Actual regulation of the system that's been pulling you back to baseline your entire adult life. Walk outside. Slow your breathing. Splash cold water on your face. Sounds simple. It's not. And it works.If you've been blaming yourself for not hitting your Q1 goals, this is the episode. Stop beating up the version of you that was just trying to stay safe. Start training the patterns you actually want to run.Connect with Tessa at Santaia Health: https://santaia.health/Ready to stop running the same pattern and actually look at your money with someone who sees what you can't? Book your Power Hour at https://www.blackmammoth.com/powerhour. 60 minutes, 1:1. Your real numbers. A plan you can actually run.If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

Sometimes the toughest questions aren’t about money at all. Art & Julie McPherson share a candid conversation that blends relationships, communication, and personal insight with the realities of planning for the future. The episode explores how personality, habits, and priorities influence financial decisions just as much as numbers do. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Don and Tom tear into Kiplinger's roundup of “best money advice,” separating the genuinely useful from the obvious, the flawed, and the downright silly. They agree that core principles like living below your means, automating investing, and seeking qualified fiduciary advice still reign supreme, while pushing back on oversimplified takes about debt, life decisions, and self-auditing. The conversation reinforces a familiar truth: personal finance isn't about clever hacks—it's about consistent behavior, smart systems, and avoiding the many ways people sabotage themselves. Listener questions cover fund-of-funds expense ratios (no stacking), high-yield savings tradeoffs, and the real cost of chasing slightly better interest rates.0:05 Chasing the “best money advice of all time” (and where it definitely isn't)1:44 Kiplinger roundup sparks review of popular financial advice3:10 Dave Ramsey basics—simple, correct, and incomplete4:29 The myth of easy money and cultural obsession with getting rich quick5:18 Getting help from professionals (and why most aren't actually professionals)6:07 “Good vs. bad debt” debate and the problem with vague advice7:32 Aligning money with values… or just saying something that sounds nice7:39 “Marry wisely” as financial advice (yes, really)9:02 Automating finances as one of the most effective strategies10:40 Why friends and family are often terrible sources of financial advice10:53 Should life decisions be based on money? (spoiler: they usually are)12:33 Self-audits vs. professional guidance—can you really judge yourself?13:42 The foundational rule: spend less than you make14:31 Most people don't know what they actually spend15:00 Listener question: AVGE / AVGV expense ratios—no fee stacking17:50 PI Bank high-yield savings—rate vs. usability tradeoffs19:25 Wire transfer fees and when higher yields actually matter21:31 Practical ways to manage savings movement costs22:17 Don's Financial FYSICS book—pricing, Kindle version, and Amazon quirksQuestions? Comments? Click!

Don and Tom kick things off with a colorful history lesson on 19th-century “bucket shops,” drawing a sharp parallel to today's emerging world of tokenized securities—digital representations of stocks traded on blockchain platforms. While proponents tout 24/7 trading and faster settlement, the hosts question the real value, highlighting added complexity, thin trading, pricing deviations, and unclear ownership structures. They frame tokenized investing as a solution in search of a problem—one that primarily serves speculators rather than long-term investors. The episode reinforces a familiar theme: avoid unnecessary complexity, ignore trading temptations, and stick with disciplined, low-cost investing. Listener questions cover whether retirees still need life insurance (generally no, if financially secure) and clarify that rebalancing means selling winners and buying laggards—not chasing losses.0:05 Intro and setup with historical market story0:24 Bucket shops explained—early stock market gambling1:50 Transition to modern “tokenized securities”2:35 What tokenized stocks are and how they trade 24/75:27 Blockchain explained in plain English6:23 Ownership confusion—what do you actually own?7:53 Custodian risk and structural concerns8:33 Pricing issues and thin trading risks9:01 Tokenization compared to past financial “innovations” (CDOs)10:54 Why investors should ignore tokenized securities11:26 New call-in system for podcast listeners12:03 Listener question: keep or drop term life insurance in retirement13:02 Why life insurance is unnecessary for financially secure retirees15:05 Listener question: selling losers vs. rebalancing16:05 Proper rebalancing strategy explained (sell high, buy low)17:31 Jack Bogle philosophy—do less, win moreQuestions? Comments? Click!

Tune in to hear: Where do people consistently misperceive their own behaviors and their own financial tendencies? Also, what are the forces that drive those blindspots? Why do so many financial planning tools optimize for all the wrong things and how can we make client services better center the client and their goals? What are Marla's hopes for the world of tech when it comes to minimizing the “knowing-doing gap?” Do people need more financial literacy or self-literacy/self-awareness? In the medium term, how does Marla see the role of the financial advisor changing with respect to AI? What's the place of behavioral coaching in this new world? How does Marla think about the “creep factor” in her own business and how can we see clients for who they are without overreaching? What lessons, as an entrepreneur and business owner, has Marla learned from introspection about how to uplift herself after a hard day? Links Marla Sofer on LinkedIn Knowing Me, Knowing You Podcast Knomee Connect with Us Meet Dr. Daniel Crosby Check Out All of Orion's Podcasts Power Your Growth with Orion Compliance Code: 1005-U-26086

Send us Fan MailAdrienne Grace spent 16 years as a wholesaler, earning her CFA and reaching financial success along the way. She joins the show to detail her own personal journey of self-discovery and the ways she is working with advisors and wholesalers as a mindset and performance coach. Learn more about her programs by visiting the links below:www.Adrienne-Grace.com/5DUwww.FreeGiftFromGrace.comSupport the show

Send us Fan Mail Oil is rising. Gas prices are spiking. The market is volatile. And right now, millions of people are making financial decisions driven by fear—not strategy. In this episode of Thinking 2 Think, former Merrill Lynch wealth manager M.A. Aponte breaks down the psychology behind financial panic and teaches you how to think clearly when markets feel unstable. This is not financial advice. This is decision intelligence applied to money. Inside this episode: What's actually happening in the market (facts vs headlines)The 5 brain glitches that destroy wealth during every crisisWhy panic selling turns temporary losses into permanent onesThe psychology of loss aversion, recency bias, and herd mentalityThe HOLD Protocol: a step-by-step system for financial clarityLessons from the 2008 financial crisis most people still ignoreHow to manage rising gas prices and financial stress without panicIf you've ever asked:“Should I sell my stocks right now?”“What happens to my money during a crisis?”“How do I avoid making emotional financial decisions?”This episode gives you the framework to think—not react. Because the market doesn't destroy wealth. Support the showJoin My Substack for more content: maaponte.substack.comConsulting/Advisory Services: MAAponte.com

Markets move—but emotions often move faster. This episode with Art McPherson explores the emotional triggers that cause retirees to abandon well-constructed plans during periods of volatility. From headline-driven fear to political and economic noise, the conversation explains how overreaction can quietly erode long-term results. The focus stays on discipline, perspective, and why managing behavior is often more important than managing investments. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

After you listen: Read more of Mark's insights in his article "7 Good Ideas for New Investors." Learn more about Investing Basics In this Financial Decoder minisode, Mark Riepe shares seven good ideas for new investors. The episode focuses on foundational investing concepts designed to be relevant in nearly any market environment. While the guidance is geared toward beginners, experienced investors may also find it useful as a refresher on long-term investing fundamentals. This episode emphasizes building a solid investing foundation rather than reacting to short-term market events. More resources mentioned in the episode: "What Is a Bond? Understanding Bond Types and How They Work" "The Role of Various Asset Classes in a Portfolio" "Comparing Education Savings Accounts" Other helpful Financial Decoder episodes: "How Should Your Goals Shape Your Portfolio?" "Do You Know These 7 Bond Market Basics?" "How Can You Set the Right Financial Goals?" "What Should Your Advisor Know About You?" Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder.  If you enjoy the show, please leave us a rating or review on Apple Podcasts. Reach out to Mark on X @MarkRiepe with your thoughts on the show. Follow Financial Decoder on Spotify to comment on episodes. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Investing involves risk, including loss of principal. ​Past performance is no guarantee of future results. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. 0326-RCM9 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this insightful podcast, Warren Ingram speaks to Ryan Murphy, Global Head of Behavioral Insights from Morningstar, on how behavioral science impacts investment decisions, especially during times of market uncertainty. Learn practical strategies to manage emotional biases, stay disciplined, and achieve long-term financial goals.TakeawaysThe Role of Behavior in Investment OutcomesInsights from Behavioral Science and Practical InterventionsDevelopments in Behavioral Finance and Tools for Better DecisionsManaging Anxiety During Global UncertaintyUnderstanding Market Cycles and Long-Term TrendsThe Importance of a Long-Term Perspective in InvestingDealing with Market Recessions and VolatilityThe Impact of Frequent Portfolio ChecksThe Role of Technology and Social Media in Investment BehaviorThe Value of a Consistent Investment StrategyRebalancing and Staying the CourseAccepting Uncertainty and Staying InvestedFind the Whitepaper from Morningstar on "How Financial Advisers Can Support Clients Through Market Volatility" here. Learn more about how Curate Investments can help you here.Send a textHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

What if the real foundation of entrepreneurship is less about making money and more about mastering your mindset around it? In this episode of The Angel Next Door Podcast, host Marcia Dawood explores how our early experiences and psychological beliefs about money shape our financial behaviors—and ultimately, our freedom to create and build. Guest Shang Saavedra, who reached retirement savings goals by age 31, shares her journey from a frugal upbringing as the child of immigrants to graduating from Harvard, thriving in management consulting, and building the Save My Cents community. She's passionate about helping others use psychology and practical strategies to rewrite their financial stories, break the cycle of fear, and pave the way for meaningful wealth. This episode is essential listening for entrepreneurs and anyone needing a mindset reset around finances. With actionable advice on automating savings, understanding investment options, and handling financial setbacks, Shang Saavedra proves that changing how you think about money can transform your life—and your business.   To get the latest from Shang Saavedra, you can follow her below! https://www.linkedin.com/in/shangsaavedra/ https://savemycents.com/ https://www.instagram.com/savemycents/?hl=en Wealth Is a Mindset: Change Your Mind, Change Your Money   Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing! Website: www.marciadawood.com Do Good While Doing Well Learn more about the documentary Show Her the Money: www.showherthemoneymovie.com And don't forget to follow us wherever you are! Apple Podcasts: https://pod.link/1586445642.apple Spotify: https://pod.link/1586445642.spotify LinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/ Instagram: https://www.instagram.com/theangelnextdoorpodcast/ Pinterest: https://www.pinterest.com/theangelnextdoorpodcast/ TikTok: https://www.tiktok.com/@marciadawood

Jesse is joined by Rubin Miller—former Dimensional Fund Advisors insider, founder and CIO of Peltoma Capital Partners, author of the Fortunes and Frictions blog, and national chess master—for a wide-ranging conversation about how investment philosophy, behavioral discipline, and real-world client psychology intersect. Rubin pulls back the curtain on how factor tilts like small-cap, value, and profitability work. The discussion moves beyond theory into practice, tackling commoditization in passive investing, the tradeoffs between index funds and structured tilts, and the uncomfortable truth that great investment decisions can look wrong for years. Rubin also challenges spreadsheet-only thinking, defending dollar-cost averaging for large windfalls as a behavioral risk-management tool rather than a return-maximization tactic. Throughout, he emphasizes that the most important portfolio design principle isn't squeezing out incremental expected return—it's building a strategy clients can stick with when markets inevitably deliver noise, volatility, and surprise. The result is a candid, technically grounded, and deeply human look at what long-term investing actually demands. Key Takeaways: • Factor tilts—such as small-cap, value, and profitability—are grounded in decades of academic research but require patience to endure long droughts. • Expected returns dominate over long horizons; unexpected returns dominate in the short run. • Spreadsheet-optimal strategies are not always behaviorally optimal strategies. • The best portfolio is one an investor can stay invested in during extreme volatility. • Financial advisors add value not just through portfolio construction but through expectation management. • Long-term investing success depends less on brilliance and more on discipline, humility, and staying on the bus. Key Timestamps:(01:30) – Meet Ruben Miller (05:47) – Passive vs Indexing (13:22) – Factor Tilts Explained (20:21) – Rules and Rebalancing (24:21) – Is 100 Percent S&P Enough (26:16) – Small Caps vs Large Caps (32:00) – Dollar Cost Averaging Debate (36:13) – Behavioral Finance and Regret (39:07) – Chess vs Investing Feedback Loops (44:42) – Fortunes and Frictions, and Peltoma Capital Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: Website: https://www.peltomacapital.com/ LinkedIn: https://www.linkedin.com/in/rubinmiller/ Mentions: https://www.fortunesandfrictions.com/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Jackie Wilke discusses how artificial intelligence is being leveraged by financial professionals to improve productivity and “level up” the client experience.----------------------------------------------------------------------------------------------Subscribe Here to the ROI Podcast & other First Trust Market News Website: First Trust PortfoliosConnect with us on LinkedIn: First Trust LinkedInFollow us on X: First Trust on XSubscribe to the First Trust YouTube ChannelSubscribe to the ROI Podcast YouTube Channel

Dr. Matthew Preston and Dr. Thaon Simms review two investing classics that transformed how they think about money. Thaon breaks down Morgan Housel's Psychology of Money, revealing why a janitor accumulated $8 million while a Harvard executive went bankrupt. Preston dives into Warren Buffett's shareholder letters, explaining why Buffett says any company with an economist has one employee too many.You'll discover why behavior trumps intelligence in investing, how 84% of Buffett's wealth came after age 50, the dangerous trap of moving financial goalposts, and why circle of competence matters more than credentials.Chapters:00:00 Introduction to Financial Book Club00:52 The Psychology of Money by Morgan Housel02:07 Behavior vs Intelligence in Investing05:36 The Janitor vs The Harvard Grad09:03 Reasonable vs Rational Decision Making12:33 The Art of Survival and Compounding14:33 Room for Error and Margin of Safety18:28 Defining Enough and Finding Freedom20:09 Happiness and Lower Expectations24:02 The Essays of Warren Buffett26:09 Margin of Safety in Practice27:57 Circle of Competence Explained29:19 Medical Stocks and Unfair Advantages32:42 Mr Market Analogy35:38 Ignoring Macro Predictions37:38 Why Economists Can't Forecast41:51 Management Alignment with Shareholders42:38 Book Recommendations Request

A 23-year-old renter recently said she feels her money is safer in the stock market than in a house—a statement that may surprise investors shaped by past housing and market crashes. The “Henssler Money Talks” hosts explore how generational experience influences our perception of risk and why what we've lived through often drives how we invest—from Boomers who remember double-digit inflation, to Gen X and the dot-com bust, to Millennials and the housing crash, and Gen Z's era of rapid recoveries and tech-driven growth.Original Air Date: February 21, 2026Read the Article: https://www.henssler.com/have-markets-become-the-safe-asset

Key Topics:   The original Turtle experiment and lessons from Richard Dennis  Why and how trend following focuses on small losses and large winners  Volatility-based position sizing and risk management discipline - Diversification across equity markets, currencies, commodities, bonds, and individual stocks  Current market dispersion and what it means for systematic strategies  The psychological challenge of sticking with trend during whipsaws and drawdowns  The growing role of ETFs in managed futures How advisors can size and integrate trend-following sleeves within broader allocations  Key Takeaways:  Trend following is agnostic — it adapts rather than predicts.  Diversification across a broad global universe improves opportunity and resilience.  Proper allocation and manager selection matter more than short-term performance.  No strategy is perfect — understanding drawdowns and behavioral discipline is critical.  Learn More:  Jerry Parker & Chesapeake Capital: www.chesapeakecapital.com  Dantes Outlook's RIA & OCIO Services: www.dantesoutlook.com  Dantes Outlook Substack for ongoing research and portfolio insights: www.dantes.substack.com  Disclaimer: The information presented is for informational purposes only and should not be considered as investment advice nor as a recommendation of any particular strategy, allocation or investment product: before making any investment decision, you should seek expert, professional advice and obtain information regarding the legal, fiscal, regulatory and foreign currency requirements for any investment according to the laws of your home country and place of residence. Investing involves risk, including the possibility of loss of principal. Any forward-looking statements or forecasts are based on assumptions and actual results may vary from any statements or forecasts. The information presented is for informational purposes only and should not be considered as investment advice nor as a recommendation of any particular strategy, allocation or investment product: before making any investment decision, you should seek expert, professional advice and obtain information regarding the legal, fiscal, regulatory and foreign currency requirements for any investment according to the laws of your home country and place of residence. Investing involves risk, including the possibility of loss of principal. Any forward-looking statements or forecasts are based on assumptions and actual results may vary from any statements or forecasts.Visit us at www.dantesoutlook.com

In this episode of ThimbleberryU, we explore the concept of building and maintaining confidence under uncertainty, especially for healthcare professionals who are already accustomed to high-stress environments. The financial world often mirrors the unpredictability of healthcare. Policy changes, staffing shortages, and burnout are compounded by volatile markets and alarming news cycles. Our focus is not on prediction, but on creating confidence through structured, thoughtful planning.We start by addressing how fear-driven headlines can tempt people into making financial decisions based on emotion. Amy reminds us that headlines are built to provoke urgency, not provide clarity. Market fear is often noise, not rooted in personal financial change. Reacting impulsively often locks in losses and increases risk. That's why we advocate for responsible inaction, a deliberate choice to stay the course unless personal circumstances demand a change.A strong financial plan assumes uncertainty. It's not built for calm seas, but for the real-world storms. That means including flexibility for job changes, a sufficient cash buffer, and the ability to adapt without starting over. Confidence grows from knowing your plan already factors in the unpredictable. It's not about guessing what's next. It's about trusting the structure you've created.We dig into the concept of guardrails. These are rules and pre-decisions made in calmer moments to help reduce decision fatigue. Healthcare professionals already follow protocols in their daily work, and the same concept applies to finances. These protocols guide us through emotionally charged situations and help prevent impulsive, regrettable moves.Cash plays a unique role in confidence. For healthcare professionals, cash isn't just an emergency buffer; it's emotional relief. It offers flexibility, covers transition periods, and acts as a cushion during market downturns. However, it's also important to avoid extremes. Too little cash creates anxiety, while too much slows growth. The right amount depends on career phase, income variability, and life responsibilities.We close with the reminder that certainty isn't the goal. Resilience is. When a plan is built to withstand real life, it allows money to support your lifestyle, not compete for your attention. That's where true confidence comes from.(00:00) - Intro: Confidence Under Uncertainty(00:47) - Why Healthcare Professionals Are Feeling Financial Strain(01:25) - The Emotional Impact of Headlines(02:12) - Market Fear vs. Personal Risk(03:08) - What “Doing Nothing” Really Means(04:51) - Is Your Financial Plan Built for Real Life?(06:04) - Guardrails and Reducing Decision Fatigue(07:30) - The Role of Cash in Building Confidence(10:48) - Cash as a Confidence Tool, Not a Cop-Out(11:00) - Final Thoughts: Confidence Comes from Structure(11:33) - How to Connect with Thimbleberry Financial To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

Markets are driven by math, but investors are driven by emotion. We will explore the most common psychological biases—like loss aversion and herd mentality—that destroy wealth and how to automate your strategy to avoid them.Today's Stocks & Topics: Microsoft Corporation (MSFT), Market Wrap, American Electric Power Company, Inc. (AEP), The Southern Company (SO), KPP Newsletter, Behavioral Finance: Your Brain vs. Your Portfolio, Devon Energy Corporation (DVN), Principal SAM Conservative Growth A (SAGPX), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, Meta Platforms, Inc. (META), Copper, Ally Financial Inc. (ALLY), Mueller Industries, Inc. (MLI).Our Sponsors:* Check out Anthropic: https://claude.ai/invest* Check out Pebl: https://hipebl.ai* Check out Quince: https://quince.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

Pat revisits the topic of how money affects people emotionally, and how their behavior can play into the decisions they make with their investments, and not always for the better.

In this episode of Boldin Your Money, host Steve Chen sits down with California State Treasurer Fiona Ma and CalSavers Executive Director David Teykaerts to explore how California is tackling the retirement savings gap through the CalSavers program. Fiona shares her personal journey from the private sector into public service and explains the treasurer's broader role as the state's banker, overseeing investments, bonds, and multiple savings initiatives. Together, Fiona and David walk through why CalSavers was created, how automatic payroll savings can dramatically increase participation, and why default design, low fees, and simplicity matter most for workers who've historically lacked access to retirement plans. The conversation highlights the program's scale and impact—hundreds of thousands of savers, billions saved, and growing along with lessons about behavioral finance, employer responsibility, and the power of “set it and forget it” systems to build long-term financial security for everyday Californians.

Stewart Alsop interviews Tomas Yu, CEO and founder of Turn-On Financial Technologies, on this episode of the Crazy Wisdom Podcast. They explore how Yu's company is revolutionizing the closed-loop payment ecosystem by creating a universal float system that allows gift card credits to be used across multiple merchants rather than being locked to a single business like Starbucks. The conversation covers the complexities of fintech regulation, the differences between open and closed loop payment systems, and Yu's unique background that combines Korean martial arts discipline with Mexican polo culture. They also dive into Yu's passion for polo, discussing the intimate relationship between rider and horse, the sport's elitist tendencies in different regions, and his efforts to build polo communities from El Paso to New Mexico. Find Tomas on LinkedIn under Tommy (TJ) Alvarez.Timestamps00:00 Introduction to TurnOn Technologies02:45 Understanding Float and Its Implications05:45 Decentralized Gift Card System08:39 Navigating the FinTech Landscape11:19 The Role of Merchants and Consumers14:15 Challenges in the Gift Card Market17:26 The Future of Payment Systems23:12 Understanding Payment Systems: Stripe and POS26:47 Regulatory Landscape: KYC and AML in Payments27:55 The Impact of Economic Conditions on Financial Systems36:39 Transitioning from Industrial to Information Age Finance38:18 Curiosity and Resourcefulness in the Information Age45:09 Social Media and the Dynamics of Attention46:26 From Restaurant to Polo: A Journey of Mentorship49:50 The Thrill of Polo: Learning and Obsession54:53 Building a Team: Breaking Elitism in Polo01:00:29 The Unique Bond: Understanding the Horse-Rider Relationship01:05:21 Polo Horses: Choosing the Right Breed for the GameKey Insights1. Turn-On Technologies is revolutionizing payment systems through behavioral finance by creating a decentralized "float" system. Unlike traditional gift cards that lock customers into single merchants like Starbucks, Turn-On allows universal credit that works across their entire merchant ecosystem. This addresses the massive gift card market where companies like Starbucks hold billions in customer funds that can only be used at their locations.2. The financial industry operates on an exclusionary "closed loop" versus "open loop" system that creates significant friction and fees. Closed loop systems keep money within specific ecosystems without conversion to cash, while open loop systems allow cash withdrawal but trigger heavy regulation. Every transaction through traditional payment processors like Stripe can cost merchants 3-8% in fees, representing a massive burden on businesses.3. Point-of-sale systems function as the financial bloodstream and credit scoring mechanism for businesses. These systems track all card transactions and serve as the primary data source for merchant lending decisions. The gap between POS records and bank deposits reveals cash transactions that businesses may not be reporting, making POS data crucial for assessing business creditworthiness and loan risk.4. Traditional FinTech professionals often miss obvious opportunities due to ego and institutional thinking. Yu encountered resistance from established FinTech experts who initially dismissed his gift card-focused approach, despite the trillion-dollar market size. The financial industry's complexity is sometimes artificially maintained to exclude outsiders rather than serve genuine regulatory purposes.5. The information age is creating a fundamental divide between curious, resourceful individuals and those stuck in credentialist systems. With AI and LLMs amplifying human capability, people who ask the right questions and maintain curiosity will become exponentially more effective. Meanwhile, those relying on traditional credentials without underlying curiosity will fall further behind, creating unprecedented economic and social divergence.6. Polo serves as a powerful business metaphor and relationship-building tool that mirrors modern entrepreneurial challenges. Like mixed martial arts evolved from testing individual disciplines, business success now requires being competent across multiple areas rather than excelling in just one specialty. The sport also creates unique networking opportunities and teaches valuable lessons about partnership between human and animal.7. International financial systems reveal how governments use complexity and capital controls to maintain power over citizens. Yu's observations about Argentina's financial restrictions and the prevalence of cash economies in Latin America illustrate how regulatory complexity often serves political rather than protective purposes, creating opportunities for alternative financial systems that provide genuine value to users.

Front-loading retirement contributions can feel like a smart move—especially in volatile markets. But is it always the best strategy? The “Henssler Money Talks” hosts walk through when front-loading can help, when it can hurt, and why discipline and cash-flow planning matter just as much as market timing. Original Air Date: January 24, 2026Read the Article: https://www.henssler.com/is-front-loading-your-401k-a-smart-move-or-a-cash-flow-trap 

This week's blogpost - In this episode of the Thoughts and Money Podcast, hosted by Trevor Cummings, financial experts Blaine Carver and Brett Bonecutter delve into the recent performance of small cap stocks, specifically highlighting a 14-day streak of outperformance compared to large cap stocks. They discuss the difference between small cap and large cap stocks, the impact of interest rates on small companies, and the historical performance of small caps. Using analogies and practical examples, the hosts explain key concepts like market capitalization, risk and reward, and the importance of diversification. The episode underscores the necessity of a well-thought-out investment philosophy, anchored expectations, and the practical application of financial strategies. 00:00 Welcome to the Thoughts and Money Podcast 00:35 Introduction to Small Cap Stocks 01:53 Sweetwater: A Hypothetical Town 03:51 Investment Strategies and Risk 06:26 The Size Premium and Market Trends 15:48 Behavioral Finance and Long-Term Investing 21:58 Active Management in Small Cap Investments 22:51 Tailoring Investment Strategies to Individuals 23:51 The Importance of Diversification 24:04 Understanding Risk and Returns 25:25 Illiquidity Premium and Expected Returns 29:56 Private Equity and Leverage 34:56 Small Caps and Market Cycles 36:31 Building a Balanced Portfolio 42:01 Setting Realistic Investment Expectations 43:46 Final Thoughts and Listener Engagement Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

In this episode of Wealth B-Hers, Dr. Felecia Froe sits down with behavioral finance expert, financial advisor, and practicing stoic philosopher Will R. Young to explore a question most people never slow down long enough to ask: What is enough?   Drawing from Will's book The Enough Equation, the conversation moves beyond spreadsheets and market noise into the psychology behind money decisions. Together, they unpack why fear, identity, and comparison quietly shape our financial behavior, and how clarity, values, and intentional planning create real freedom. This episode is an invitation to pause, define what truly matters, and build a financial life that supports peace rather than pressure.   00:00 – Setting the Frame: Wealth, Mindset, and the Pause 05:01 – Stoicism, Behavioral Finance, and Human Blind Spots 11:31 – How Psychology Shows Up in Investing 15:31 – Fear, Scarcity, and the Illusion of Control 22:01 – The Enough Equation: Defining What Matters 30:01 – Redesigning Work, Wealth, and Relationships  

Learn about the importance of behavioral finance in understanding investor emotions, decision-making, and common behavioral mistakes investors make with Chief Behavioral Officer, at RFG Advisory, Brendan Frazier. 00:00 Introduction 03:29 Journey into Behavioral Finance 12:21 Behavioral Mistakes Investors Make 14:17 The Impact of Past Experiences on Financial Behavior 22:43 The Rivalry Between Current and Future Sel 25:15 Understanding Client Goals and Motivations 30:50 The SAFE Framework for Clients 38:11 Setting Expectations to Mitigate Fear 42:39 The Impact of Technology on Human Behavior 44:56 Trend or Fad?

BackgroundBioArticles and Papers Discussed“The Theory Behind the Age-Related Positivity Effect,” Andrew Reed and Laura Carstensen, NIH.gov, Sept. 27, 2012.“Investing Without Blind Spots,” Better Vantage podcast, Nov. 12, 2025.“Out of Sight, Out of Market: The IRA Cash Drag,” by Andy Reed et al., Vanguard.com, Sept. 5, 2024.“Advisors and Investors Split on Inflation, Bond Views,” by Xiao Xu and Andy Reed, Vanguard.com, Sept. 12, 2025.“Stress, Debt, and the Power of Planning,” by Anna Madamba and Andy Reed, Vanguard.com, April 9, 2025“Improving Retirement Outcomes by Default: The Case for an IRA QDIA,” by Andy Reed, et al., Vanguard.com, July 2024."Maximizing versus Satisficing: Happiness Is a Matter of Choice," by Barry Schwartz, Andrew Ward, et al., NIH.gov, November 2002.“The Ostrich Effect: Selective Attention to Information,” George Loewenstein and Duane Seppi, CMU.edu, Feb. 11, 2009.“Inside the Minds of Equity Income Fund Investors,” Sharon Hill and Paulo Costa, Vanguard.com, Aug. 26, 2025.“Trading Is Hazardous to Your Wealth: The Common Stock Investment Performance of Individual Investors,” Brad Barber and Terrance Odean, Berkeley.edu, April 2000.Books DiscussedThe Paradox of Choice: Why More Is Less, by Barry SchwartzNudge: Improving Decisions About Health, Wealth, and Happiness, by Richard Thaler and Cass SunsteinThe Elements of Choice: Why the Way We Decide Matters, by Eric JohnsonOther“Was Bogle's Princeton Thesis Eerily Prescient?” by Jess Bebel, Morningstar.com, May 27, 2022. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this milestone episode of ThimbleberryU, we celebrate 150 episodes and the 10-year anniversary of Thimbleberry Financial. Amy Walls reflects on a decade of advising clients and the timeless lessons she's learned—lessons that go beyond finance and into life, meaning, and the value of simplicity.We open by anchoring the episode in Thimbleberry's core values, especially simplicity. Amy stresses how the best financial plans aren't flashy—they're clear, flexible, and focused on what truly matters. We dive into the first cluster of lessons about money and planning, starting with the idea that clarity beats complexity every time. Fancy strategies may look appealing, but real success comes from plans that are understandable and actionable. A flexible plan, one that can adapt to life's inevitable changes, always outperforms a rigid one.We continue by looking at how emotions play into financial decision-making. Amy explains that emotions aren't distractions—they're data. Recognizing fear, guilt, or excitement can lead to more empathetic and accurate planning. We don't need to know everything to make progress; staying curious and asking the right questions is often enough. That curiosity can help us avoid the traps of both overconfidence and paralysis.As we shift toward life-focused lessons, Amy reminds us that success looks different for everyone—and that's the point. Whether it's retiring early or spending more time with family, the plan has to fit the person. Life moves faster than spreadsheets, and that's why regular check-ins and flexibility are essential.Amy emphasizes that the best financial plans make room for joy. Planning isn't about restriction—it's about creating space for what we love, whether that's rest, giving, or travel. Simplicity, while hard, is always worth it. And finally, a good plan isn't static—it grows with us. It's not about being perfect; it's about evolving alongside life's changes and building confidence as we go.As we wrap up, we focus on three key takeaways for the new year: clarity, consistency, and curiosity. It's not about predicting the future—it's about being prepared for it. And that preparation, rooted in simple, flexible planning, is what makes long-term success possible.00:00 – Intro & Episode 150 Milestone00:23 – 10 Years of Thimbleberry Financial01:08 – Simplicity as a Core Value02:15 – Lesson 1: Clarity Beats Complexity03:23 – Lesson 2: Flexibility Over Perfection03:49 – Lesson 3: Markets Don't Care—Your Plan Should04:33 – Lesson 4: Emotions Are Data06:39 – Lesson 5: Stay Curious07:22 – Lesson 6: Success Looks Different for Everyone08:15 – Lesson 7: Life Moves Faster Than Spreadsheets09:01 – Lesson 8: Make Room for Joy09:31 – Lesson 9: Simple Isn't Easy09:57 – Lesson 10: A Plan That Grows With You10:41 – Final Takeaways for the New Year11:53 – Contact Info & Closing To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

You don't have time to sift through endless financial content. That's why I do it for you. Get my top 5 must-read articles every week in a quick, easy-to-digest email. Sign up for my newsletter. -----  In this Talking Shop episode, I sit down with Rubin Miller for an unscripted conversation about why market forecasts fail, how advisors actually set return assumptions, and where investors most often misunderstand risk. We move freely from prediction season and capital market assumptions to investor behavior, bonds, and cash—focusing less on what markets will do next and more on how to build a plan you can stick with when narratives get loud. Listen and learn: ► Why short-term market predictions distract from what really drives long-term outcomes ► How ranges and probabilities lead to better financial plans than point forecasts ► What most investors get wrong about bonds, cash, and "playing it safe" ► Why the biggest investing mistakes come from narratives, not numbers   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.   [02:00] – Market Forecasting and "Prediction Season": Why One-Year Outlooks Mislead [03:10] – Financial Planning Return Assumptions: Using Ranges and Probabilities (Not Point Estimates) [06:41] – Portfolio Construction Basics: Stocks Are Stocks, Bonds Are Tools [15:56] – Setting Investor Expectations: What Forecasts Can and Can't Do [21:01] – Behavioral Finance in Real Time: Volatility vs the Narrative Investors Fear [23:45] – Market Timing Bias: "I Knew This Would Happen" and Why It's Dangerous [29:39] – Risk Management: Probability vs Magnitude (How Investors Blow Up a Good Plan) [32:21] – Bond Strategy: Building a Portfolio You Can Stick With (Not the Highest Return) [38:30] – Cash Management: Ultra-Short Bond Funds, HYSAs, and the 2022 Hangover   Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)   Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.

On this episode of CFO at Home, Vince's guest is Brian Pultro, a Navy veteran turned financial advisor. Brian shares his journey from joining the military after the 9/11 attacks to transitioning into a financial advising career. Vince and Brian discuss the benefits and challenges veterans face in financial planning, the importance of understanding military benefits, and best practices for wealth building through behavioral finance. Brian also provides valuable resources and insights for military personnel to better manage their finances and make informed investment decisions.To learn more about Brian and the services he provides, check him out at pultrofinancialmanagement.com Key Topics: 00:00 Introduction and Welcome 01:21 Brian's Military Background 03:08 Transition to Financial Advisor 05:38 Behavioral Finance and Military 09:46 Financial Education in the Military 12:46 Investment Strategies and Advice 23:13 Services Offered by Pultro Financial Management 24:31 Conclusion and Final Thoughts Key Links Simple Wealth Inevitable Wealth - 25th anniversary edition Pultro Financial Management Brian Pultro - LPL Financial | LinkedIn Brian Pultro - Pultro Financial Management | Facebook Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

This year's “Best of” episode is a highlight reel of the most impactful, yet practical strategies discussed in this year's Human Side of Money podcast episodes. These strategies are designed for Financial Advisors who want human-centric steps they can implement into their business' growth plan. What You'll Learn: Why generic “don't worry” emails can backfire How a repeatable framework can help calm anxious clients How efficiency could harm the client experience How to deepen client trust between meetings Learn more at www.rfgadvisory.com

Tune in to hear:What does Swiss-born British author Alain de Botton have to say about Macbeth's cynical soliloquy on the brevity and meaningless of life? Why does he state that despair and hope are two sides of the same coin?How does storytelling make a truth durable in our minds by linking an idea to an ego?Why is our internal dialogue one of the most important stories that we tell? How can we go about making it a more productive dialogue and less self-depricating?How can Albert Ellis' “ABC Model” help us counteract irrational thoughts and cognitive distortions?What is an exercise you can work through to help correct detrimental self-speak?What is The Significant Objects Project and what can it teach us about the importance of narrative as it relates to valuation?LinksThe Soul of WealthOrion's Market Volatility PortalConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 3328-U-25338

Tune in to hear:What does the Japanese Tea Ceremony, Chanoyu, symbolize beyond the ritualized preparation of tea? Why are rituals so important and how can we incorporate ritual into our modern lives?What did Polish Anthropologist Bronislaw Malinowski discover about the importance of fisherman's rituals in Papua New Guinea?How can rituals ease neural tension after a difficult day and give us a sense of control during chaotic times in our lives?Why is active participation in a ritual a prerequisite of reaping their potential benefits?How do we, practically, go about ritualizing our own life purpose? LinksThe Soul of WealthOrion's Market Volatility PortalConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 

 Wall Street noise is loud—Barry Ritholtz shows you How Not to Invest. In this episode, we cut through models, headlines, and hype to focus on the few decisions that actually compound. Barry shares a practical framework for decision-making grounded in behavioral finance: why models are “wrong but useful,” how to build a checklist to filter signal from noise, and why broad indexing should anchor most portfolios. We dig into direct indexing for tax management, the attention economy's impact on investors, and the real effects of tariffs and Fed timing on markets and Main Street. He also maps the “two businesses” every investor must master: deploying capital quietly for decades and consuming information without getting captured by clickbait. If you're curious about AI's productivity boost, global mean reversion beyond the U.S., and realistic expectations after back-to-back strong years, this conversation is for you. By the end, you'll know How Not to Invest—and what to do instead.Connect with Barry Ritholtz: hownottoinvestbook.com Chapters:00:00 – Introduction02:32 – “All models are wrong, some are useful” & avoiding media-driven fear16:21 – Wealthy vs. middle-class planning: indexing, direct indexing, tax loss harvesting20:19 – AI's real impact on advisors, workflows, and productivity24:46 – Where are the opportunities? U.S. vs. developed ex-U.S., mean reversion35:14 – Rates, the Fed, soft landing probabilities & realistic return expectations49:33 – Gino wraps it up We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)