Joss Brown Podcast

Your Social Security decision can feel like a quick checkbox, but it can shape your retirement income for 20 to 30 years and it is hard to undo once you start. We see people make the same avoidable mistakes: claiming without a plan, following friends at a cocktail party, or acting on scary headlines about the system “running out.” If you have ever wondered whether you should take benefits at 62, w...

More people are asking AI what to do with their money than asking a financial advisor, and that shift is happening fast. We dig into new survey data showing how Americans use AI financial advice for everything from budgeting help to stock picks and portfolio rebalancing, then we pressure-test what that really means for your personal finance decisions. We also get blunt about the risks. AI can soun...

Your budget can be perfectly “correct” and still fail you on a random Tuesday. That is where most money stress lives: not in the plan, but in the messy mechanics of paychecks, due dates, credit cards, and surprise expenses. (You can email Jim here james@smartstartpersonalfinance.com or call here 540-445-1221 ) We sit down with Jim Ames of Smart Start Personal Finance to talk about cash flow planni...

Money stress often looks like a math problem, but it’s usually a timing problem. We talk through a practical cash flow system that helps you stop juggling paychecks against monthly bills and start running your personal finances with a calmer, more predictable rhythm. The big shift is simple: automate the obligations, plan for the “random” stuff, and keep discretionary spending clear and contained....

Most money conflict in a relationship isn’t caused by a missing budget app. It comes from unclear roles, silent assumptions, and the slow grind of surprise expenses. We sit down with Jim Ames from Smart Start Personal Finance to talk about a simple, human approach to personal finance for couples: keep your independence where it matters, but run the household like a team with a system you both trus...

Gold has long been viewed as a symbol of wealth and stability, but does it deserve a place in your investment portfolio today? In this episode, we explore gold's role as a potential hedge against inflation, market volatility, and economic uncertainty. We discuss the benefits and limitations of investing in gold, the different ways to gain exposure, and how it can complement a diversified inve...

In this episode, we explore the growing influence of investing apps on younger generations and ask an important question: are these platforms helping young people build wealth, or encouraging risky financial behavior? 

A market downturn right before retirement can shake anyone’s confidence. We discuss what retirees should avoid doing in volatile markets, along with strategies that can create flexibility, preserve assets, and help maintain long-term financial stability. #financialwisdom #moneytalks #financialwisdom For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

You may have heard the phrase, “Giving while you’re living, so you’re knowing where it’s going.” There’s something special about watching young children open gifts with excitement and enjoy them right away. In a different, but equally meaningful way, it can also be rewarding to support your adult children and see them use that generosity wisely. We often have conversations with clients about gener...

In this episode, we break down what it really means to invest for the long run. Instead of chasing quick wins or reacting to daily market noise, we focus on the principles that have consistently built wealth over time: discipline, diversification, and patience. For more episodes, visit www.jossbrown.com. 

What happens when you suddenly have more money than you expected — whether it’s a big raise, a surprise inheritance, or an unexpected gift? In this episode, we dive into the emotional, social, and financial ripple effects of sudden wealth. We’ll talk about why sudden financial gains can be both exciting and overwhelming, the psychology behind “money shock,” and how to avoid common pitfalls like li...

We often hear about the perks of wealth, but what challenges come with it? In this episode, we uncover the top 5 pain points high-net-worth individuals face.  For more info check out https://www.jossbrown.com/

Whether you’re tired of being a landlord, eyeing new investments, or wondering if it’s time to cash in on your property’s appreciation, this episode is packed with insights to help you make an informed decision. For more info check out https://www.jossbrown.com/  #RentalProperty #RealEstateInvesting #FinancialPlanning #SellOrHold #PassiveIncome #WealthBuilding 

Are you investing based on your feelings or your financial reality? In this video, we break down the critical difference between risk tolerance and risk capacity—two key concepts that can make or break your investment strategy. Whether you're just getting started with financial planning or fine-tuning your portfolio, understanding these terms can help you make smarter, more personalized decis...

What are Roth Conversions, and should you be using this strategy? A clear, concise guide to Roth conversions. Learn when, why, and how to convert — and how it can impact your long-term financial plan. For more, visit www.jossbrown.com

Should I own real estate, or should I have Reits in my portfolio? Listen in as Dan and Katherine discuss the pros and cons to each and also their personal experiences with real estate! #realestate #investing #Reits  For more episodes, visit www.jossbrown.com 

Following an awful first quarter that saw negative returns across the board, the U.S. investment markets staged a remarkable comeback, banishing (for the moment) worries about the risk of a recession, a slowdown in consumer spending, and the uncertainty over trade wars and tariffs. Listen in for a more in-depth conversation!   #moneytalks #financialwisdom For more info check out https://www.jossbr...

In this episode, we dive into the often-overlooked but crucial topic of property titling and beneficiary designations. Learn how proper titling can help avoid probate, ensure a smooth transfer of assets, and protect your loved ones from legal headaches. Whether you own a home, bank account, or investment portfolio, understanding these tools can make a lasting impact on your financial legacy.  For...

Welcome to the Joss Brown Podcast! On this episode, we discuss the wide world of alternative investments. Precious metals, real estate, x2 inverse index funds... There will be plenty of ways to diversify a portfolio.  For more episodes, visit our website at www.jossbrown.com. 

Listen in as we talk about the first quarter of performance across the different markets! #moneytalks #financialwisdom For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

In this episode, Michelle and Deven break down the often-overlooked world of benefit packages. From health insurance and retirement plans to stock options, wellness perks, and tuition reimbursement, we explore what’s typically offered, what it’s really worth, and how to evaluate these benefits when considering a new job or negotiating an offer. Do not get caught up with the salary number but take...

In this episode, we dive deep into one of the most underrated keys to long-term financial success: discipline. Whether you're just starting your investment journey or refining a seasoned strategy, sticking to your plan when the markets get turbulent can make all the difference. Join us as we explore practical, time-tested tips for staying focused, calm, and committed—even when headlines screa...

Listen in to this episode as Katherine discusses credit with our special guest, Jeremy Jordan. What is it? How can it be used? What are some common misconceptions? This is all discussed in this great episode.  #moneytalks #financialwisdom #mortgagebanking  For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127 Jeremy's Information | https://www.atlanticbay.com/jeremyjorda...

In this episode of the Joss Brown Podcast, we sit down with Sr. Mortgage Banker Jeremy Jordan, who shares his journey in the industry, some great stories, and valuable tips for anyone looking to navigate the world of home loans. Tune in for insightful advice and a behind-the-scenes look at the mortgage world! Jeremy will return in the next episode to discuss credit with Katherine Brown! #moneytalk...

In this episode, we dive into essential strategies for to help clients navigate tax season with confidence. From organizing financial records to understanding key tax laws, we’ll cover best practices for ensuring a smooth, stress-free tax season. For more episodes, visit www.jossbrown.com or call us at 757-903-2127