Your Bread and Butter™

Ever looked at your bank account and thought, "I should have way more money than this"? You're not overspending recklessly — you have a leak. In this episode, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down the quiet, invisible ways money slips out of your life every month — and how to plug those leaks for good. Nearly 67% of Americans live paycheck to paycheck, even si...

Who’s really responsible for managing, protecting, and overseeing your investments? In this episode of the Your Bread & Butter Podcast™, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down the key roles involved in your financial life — from Financial Advisors and Broker-Dealers to Custodians and, most importantly, you as the investor. We discuss:• What a Financial Advisor actually d...

What happens to your portfolio when the world feels chaotic? In this episode of the Your Bread & Butter Podcast™ , Andrew and Ryan tackle one of investors’ biggest emotional triggers: war and geopolitical uncertainty . When headlines are filled with conflict, volatility, and fear, it can feel like drastic portfolio changes are the only answer. History tells a different story. We break down how...

Is the U.S. economy heading toward a recession—or setting up for a soft landing? In this episode, we break down historical labor market trends and compare them to today’s economic environment. Looking at key periods like the postwar slowdown, the 1970 recession, the dot-com era, and the 2008 financial crisis, a clear pattern emerges: hiring slows before layoffs rise—and that’s often where recessio...

Life gets busy—and it’s easy to trust the professionals in your life without fully understanding the paperwork they send your way. But do you really know what your statements, policies, and financial documents are telling you? In this episode of Your Bread & Butter™ , we break down how to read and interpret the fine print so you can stop reacting in short bursts—and start making consistent, in...

Robo advisors exploded onto the scene promising low-cost, automated investing—but are they actually the right fit for your financial life? In this episode of Your Bread & Butter™, we break down:-What robo advisors really do behind the scenes-The biggest advantages (low cost, automation, simplicity)-Where they fall short (no real planning, limited customization, zero human guidance)-When a robo...

You’ve saved for retirement. You’ve invested carefully. But now comes the most important question: How do you actually get paid in retirement? In this episode, we break down how retirement income really works — how money moves from your various accounts into your checking account, how taxes impact each source, and how to design a system that keeps income predictable and flexible. We cover: ✔️ Soci...

Are you making financial decisions based on myths that just sound true? 👀 In this episode of Your Bread & Butter™ , Andrew and Ryan break down 10 of the biggest money myths—even Bigfoot doesn’t believe these. From “Roth is always better” to “You should pay off your mortgage ASAP” and “The market is too high to invest,” we unpack why these beliefs stick—and what the practical truth actually lo...

Retirement isn’t just about reaching a certain age — it’s about having the means and the plan to retire with confidence. In Part 2 of our Retire-In-Mint Condition series on Your Bread & Butter™ , we break down the true cost of retirement , what expenses may decrease, what tends to increase, and how to think through the big question: 👉 “When can I retire?” We also walk through the major retire...

What will retirement really look like for you? In this episode of Your Bread & Butter™ , we introduce the idea of the “Someday Window” —a simple way to uncover what your retirement lifestyle may naturally become once work obligations disappear. From travel and dining out to hiking, pickleball, and art classes, your “someday” priorities often become your biggest retirement spending drivers. We...

Is “Made in America” making a real comeback—or is it more policy than practice? In this episode of Your Bread & Butter™ , Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down the modern U.S. reindustrialization movement and what it means for investors. From AI-driven infrastructure buildouts to reshoring critical pharmaceuticals and semiconductor manufacturing, we explore where capita...

⚖️Estate planning isn’t just about what happens after you die—it’s about protecting yourself and your loved ones while you’re alive. In this episode of Your Bread & Butter™ , Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down why legal documents like wills, powers of attorney, and health care proxies matter long before end-of-life conversations ever begin. We explore common myths (“...

Bitcoin used to feel like a novelty. Now, it’s part of many serious investment discussions — and it raises big questions for everyday investors: Is crypto an investment… a gamble… or something in between? In this episode of Your Bread & Butter™, we break down cryptocurrency in plain English, explore why it attracts so much attention, and discuss where (and whether) it may fit inside a thoughtf...

The holidays are meant to be joyful—but for many people, they also bring financial stress, overspending, and regret. In this episode of Y our Bread & Butter, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® walk through practical, realistic ways to enjoy the holiday season without blowing your budget or damaging important relationships. Whether you celebrate Christmas, Hanukkah, New Year’s,...

In Episode 49, we’re diving into a topic everyone can benefit from: how to lower your expenses intentionally, consistently, and without feeling deprived. Just like a good haircut, trimming your spending works best when it’s done regularly. Andrew and Ryan walk through smart, practical, and realistic ways to save money across the major categories that impact your budget most: 💰 What We Cover in Th...

Hiring a financial advisor is one of the most important decisions you can make for your long-term financial success — but how do you know what to look for? In Episode 47 of the Your Bread & Butter Podcast, Andrew Beaudry, CFP® and Ryan Cummings, CFP® break down the essential qualities, criteria, and planning philosophies that set great advisors apart. Whether you're just starting your fina...

When the clock strikes midnight on your financial plan… will your wealth carriage turn into a pumpkin, or will your advisor hand you a parachute? Andrew Beaudry, CFP® and Ryan Cummings, CFP® break down the real value behind professional financial advice — beyond the hype, the headlines, and the TikTok “gurus.” In this episode, we unpack the 2025 Russell Investments “Value of an Advisor” Study, whi...

Buying a car is one of the biggest financial decisions you’ll make — and with the right strategy, it can set you up for success rather than stress. In this episode of Your Bread & Butter , Andrew Beaudry, CFP®, and Ryan Cummings, CFP®, break down how to approach the car-buying process from a smart financial perspective. Here’s what you’ll learn: ✅ How to define your needs and set a realistic...

Imagine this: you open your mailbox to a stack of bills and credit card statements — and your heart sinks. You’re not alone. Millions of Americans are feeling crushed under credit card debt and struggling to understand how to climb out. In this episode of Your Bread & Butter , Andrew Beaudry, CFP®, and Ryan Cummings, CFP®, break down real, practical strategies to take control of your credit an...

In this episode of Your Bread & Butter Podcast , Andrew R. Beaudry, CFP®, and Ryan T. Cummings, CFP® break down essential year-end tax planning strategies for business owners. Discover how to make smart moves before December 31st and keep more of your hard-earned money in 2025. We’ll cover:✅ The truth about business owners and the IRS — are they frenemies?✅ How to maximize QBI deductions and...

As 2025 year-end approaches, new tax rules are reshaping how individuals and families plan for year-end. In this episode, we unpack what’s changing — and how to make the most of it before December 31st. Here’s what we cover: 🗝️ Key 2025 tax law changes under the new OBBBA legislation 🧾 How to benefit from temporary deductions for tips, overtime, and auto loans 🪙 Updates to child tax credits and...

In this episode, we dive into the latest fiscal priorities shaping America’s future. From proposed $163 billion in cuts to non-defense programs to major increases in defense and homeland security spending , the federal budget tells a story about shifting priorities — and what that means for your money. We unpack: How budget cuts could impact education, public health, and environmental programs The...

Ever wonder where your tax dollars actually go once they leave your paycheck? In Episode 40 of Your Bread & Butter , Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down how the U.S. federal budget is created—from the President’s proposal to Congress’s final approval. 🎙 In this episode: 🏛️ Presidential Budget Proposal – What it includes and why it’s just the starting point 🧾 Congress...

In this episode, we dive into practical strategies to stay ahead in today’s changing economic landscape. With inflation pressures, labor shortages, and shifting market conditions, it’s never been more important to take a proactive approach to your money. 📉 Coming Months: What to Expect Rising production costs and tariffs may drive inflation Labor shortages impacting growth in key industries Slowe...

In this episode of Your Bread & Butter, advisors Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down the origins, history, and role of the U.S. Federal Reserve, and connect it to today’s economic challenges like inflation and tariffs — with insights that matter for investors, consumers, and financial advisors alike.📌 What You’ll Learn: 🟢Why the FederalReserve was created after repe...