Simply Money

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the market so often defies logic—and discuss why a so-called “WTF indicator” is really a reminder that trying to predict short-term moves is a losing game, even for the smartest investors. They explain why headlines rarely match market performance, how forward-looking expectations drive...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the key life moments when calling your financial advisor can make—or cost—you thousands. They also tackle a surprising trend: why retirees with millions saved still feel financially insecure, and how shifting from pension-style income to managing a “pile of money” has changed everythin...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what big bank earnings are revealing about the economy and why it matters for your portfolio, explore how record-low U.S. birthrates could impact Social Security and long-term financial planning, and answer listener questions on portfolio risk, deferred compensation strategies, estate organization, and whethe...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest inflation spike fueled by rising energy prices and what it means for markets, interest rates, and your portfolio—while Allworth CIO Andy Stout explains why core inflation remains more stable beneath the surface. They also cover a local Ponzi scheme that led to prison time and the key red flag...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why so many people who have done everything right—saved, invested, and built significant wealth—still don’t feel confident about their financial future. They explore the difference between passive decision-making and intentional planning, the two factors that truly move the needle, and why &...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional idea of retirement, exploring why having enough money isn’t the same as having a fulfilling plan for what comes next. Inspired by a powerful real-life story, they discuss “purpose risk,” the dangers of tying your identity solely to your career, and why true financial success i...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how just two trading days over the past year could have dramatically impacted your portfolio—and why trying to time the market based on fear can cost you millions over time. They also cover the risks of having multiple old 401(k)s, smart strategies for Roth conversions and tax-efficient charitable givin...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a potential inflation spike driven by surging oil prices and what it means for Fed rate cuts, while also explaining why your retirement “number” might be completely wrong, how sudden wealth can quietly destroy your finances, and answering listener questions on investing cash, gifting strategies, a...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the biggest investing mistakes they  know  happened during a volatile week in the markets—from chasing scary geopolitical headlines and trying to time sector moves like gold and energy, to overreacting to massive daily swings and sitting on cash waiting to “buy the dip.” They expla...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the market isn’t reacting to headlines—but pricing in what comes next—and how indicators like the VIX can help high-net-worth investors better understand volatility, risk pricing, and opportunity. They also dive into Apple at 50 and whether it still deserves a place in your portfolio tod...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why reacting to headlines and trying to time market sectors—from energy to tech to gold—can derail your long-term plan, especially in fast-moving geopolitical environments, while also breaking down a push to bring private equity and crypto into 401(k)s, what to do with a major inheritance, how to coo...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why investors aren’t panicking despite rising geopolitical tensions, what that means for your portfolio, and how to prepare for volatility with smart planning, liquidity, and tax strategies—plus insights on life insurance decisions, concentrated stock risk, selling a business, Roth conversions, an...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the recent market volatility and why corrections are a normal part of investing, with insight from CIO Andy Stout on what history tells us, where global markets stand, and what his recession scorecard is signaling. They also discuss the looming Social Security shortfall and lack of action in Washington, the g...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian take a deep dive into one of the most dangerous phrases in investing—“this time is different”—and why history shows that investor behavior often repeats itself, even when markets, technology, and opportunities evolve. They walk through a century of market cycles, from the optimism of the Roaring...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why recession headlines don’t tell the full story, the hidden risks in private credit and alternative investments, and why many high-net-worth retirees are actually saving too much instead of enjoying their money—plus answers on insurance, taxes, and helping your kids financially. See omnystudio.c...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to turn market volatility into opportunity—using smart strategies like tax loss harvesting and direct indexing to play both defense and offense—while also tackling the reality that many retirees don’t get to “call their shot,” how to prepare for an earlier-than-planned exit f...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why so many people who have done everything right—saved, invested, and built significant wealth—still don’t feel confident about their financial future. They explore the difference between passive decision-making and intentional planning, the two factors that truly move the needle, and why &...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why this latest market “correction” is yet another reminder that trying to time short-term moves is a fool’s errand, as headline-driven volatility—from geopolitical tensions to sudden reversals in futures—continues to whipsaw investors. The conversation then pivots to a major fid...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the real danger to your wealth right now isn’t inflation itself, but how investors react to it—often by getting overly defensive, raising cash, and pulling back from growth, which can quietly erode purchasing power over time. Using lessons from the 1970s and real-world portfolio examples, they hi...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional idea of retirement, exploring why having enough money isn’t the same as having a fulfilling plan for what comes next. Inspired by a powerful real-life story, they discuss “purpose risk,” the dangers of tying your identity solely to your career, and why true financial success i...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to tune out scary headlines and focus on what you can actually control in your financial plan, while also showing how your tax return can reveal opportunities to lower future taxes, answering listener questions on income and capital gains, and sharing strategies to align your career, family, and charitabl...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why your portfolio may be holding up better than alarming headlines suggest, highlighting the difference between widely cited indexes like the Dow and what a truly diversified portfolio actually experiences, while also unpacking how global market shifts and proper allocation are benefiting investors. They then d...

Tonight on Simply Money presented by Allworth Financial, Bob and Brian break down the financial fallout as the war with Iran enters week three, with Allworth CIO Andy Stout joining to explain what surging oil prices, the Strait of Hormuz, and Fed uncertainty could mean for gas prices, inflation, interest rates, and your portfolio. They also cover a troubling rise in 401(k) hardship withdrawals, wh...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle a question that hits differently when you’ve built real wealth: if the market dropped 20% tomorrow, what would you actually do? They walk through the emotional and mathematical realities of managing a $2–10 million portfolio, why risk tolerance and plan design don’t always align, and how shiftin...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the most expensive lies couples tell themselves about money—especially the dangerous comfort of saying “we’re fine” —and explain how a lack of communication around retirement timing, estate plans, and financial roles can cost families millions and fracture relationships. They als...