Simply Money

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 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 tackle a critical question for investors: what happens if the next decade of market returns doesn’t cooperate—and does your financial plan rely on strong returns just to survive? They break down how to properly stress test your retirement plan using real-world scenarios, Monte Carlo analysis, and the importa...

On this episode of Simply Money presented by Allworth Financial, Bob and Allworth Chief Investment Officer Andy Stout break down what a weakening jobs report could mean for interest rates, why strong corporate earnings continue to support stocks, and what’s keeping pressure on the bond market. Then Brian joins Bob as they dig into Cincinnati’s “slow and steady” housing mark...

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what SpaceX's first earnings report as a publicly traded company says about the future of growth investing, discuss how to protect your finances while caring for aging loved ones, and answer listener questions on balancing fairness and family dynamics in estate planning—especially when one child takes o...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why today's market bubbles may be smaller—and less dangerous—than the ones investors remember from the dot-com era and the financial crisis. They also discuss when alternative investments like private equity actually make sense, sit down with Allworth Senior Estate Planning Specialist Paul Schwartz t...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth Chief Investment Officer Andy Stout to break down what the latest GDP, inflation, and jobs data really say about the economy. They also discuss the winners and losers of earnings season, the market's reaction to AI spending, and answer listener questions about knowing when you've done enough Roth...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what wealth really means today—and why true financial success is less about luxury and more about having the freedom to control your time, your choices, and your future. They discuss the growing trend of "career optionality," why more Americans are choosing flexibility over full retirement, and how thought...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth Chief Investment Officer Andy Stout and former Cleveland Fed President Dr. Loretta Mester to discuss the Federal Reserve's latest decision, inflation, and what the markets are signaling. They also break down the latest AI-driven earnings from Big Tech, explain why waiting for the "perfect" time to...

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what Alphabet's latest earnings reveal about the AI arms race, why Big Tech is pouring hundreds of billions into infrastructure, and what that means for investors. They also explain why massive AI spending could create both opportunity and risk, drawing lessons from the dot-com era and sharing how to avoid ge...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian put your financial instincts to the test with a series of real-world scenarios that reveal who really comes out ahead—from high earners versus high savers to paying off your mortgage versus investing, maximizing guaranteed retirement income, and using tax-loss harvesting to keep more of what you earn. Plus, they e...

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what the Federal Reserve's next interest rate decision could mean for your money, why rising healthcare costs need to be a bigger part of your retirement plan, and the latest bipartisan effort to shore up Social Security. They also discuss whether Jersey Mike's upcoming IPO is worth a look, share practical wa...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest inflation report with Allworth Chief Investment Officer Andy Stout, including whether rising prices are finally cooling and what it could mean for interest rates, the markets, and your portfolio. They also examine the growing popularity of leveraged ETFs and why they can be far riskier than many in...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian play a financial planning game that reveals the one overlooked question that can completely change your retirement strategy. From caring for aging parents and buying a dream vacation home to pension decisions and Roth conversions, they explain why great financial planning isn't just about the numbers—it's about as...

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 financial planning has evolved from relying on pensions and predictable income streams to navigating today’s reality of managing “piles of money” through market volatility, tax complexity, and retirement uncertainty. They also discuss the hidden tax traps inside large brokerage accounts,...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to AI-proof your portfolio without betting the farm, explaining why investors can embrace the AI revolution while avoiding the mistakes of the dot-com era through diversification and strategies like direct indexing. Plus, they share smart ways families can reduce the high cost of summer day camp with litt...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the modern midlife crisis—and why so many high earners are making more money than ever while feeling more trapped than ever at the same time. They discuss the rise of “golden handcuffs,” lifestyle creep, delayed retirement decisions, and the emotional realization many successful professional...