The Fiscal Physical Retirement Podcast

A Roth IRA and a traditional IRA are both retirement accounts, but they handle taxes differently. A traditional IRA gives you a tax deduction today and you pay taxes on withdrawals in retirement. A Roth IRA uses money you have already paid taxes on, so qualified withdrawals in retirement are completely tax-free. In this episode, Ryan uses clean numbers to show exactly how each works and frames the...

Listener Eric wants to know: if a stock-only fund might perform better long term, why hold any bonds at all? Ryan answers using a Titanic lifeboat analogy and the math of loss recovery to show why even aggressive investors benefit from some bond exposure. A 50% loss requires a 100% gain just to break even, and bonds act as the cushion that keeps you in the game long enough for that recovery to hap...

Asset allocation is the decision of how much of your money goes into stocks versus bonds. Get it right and your portfolio can handle market swings without derailing your retirement plan. In this episode, Ryan explains how risk tolerance, risk capacity, and time horizon all shape the right allocation for each investor, and introduces the rule of 110 as a simple starting point. The episode also make...

A bond is essentially a loan. When you buy a bond, you lend money to a government or company, they pay you a fixed interest rate over a set period, and then return your original amount at the end. In this episode, Ryan explains why US government bonds are considered among the safest investments in the world and how corporate bonds offer higher yields in exchange for higher risk. Ryan also covers w...

A stock dividend is a company's way of sharing its extra profits with the people who own its shares. Most are paid quarterly, and the amount you receive is tied to how many shares you hold. In this episode, Ryan uses Apple as a running example to explain how dividends work and why a high dividend yield does not automatically make a stock a good investment. The bigger idea here is total return...

A stock is a share of ownership in a company. When you buy Apple stock, you become a part owner of Apple, and as the company grows so does the value of your share. In this episode, Ryan breaks down the two ways you make money from stocks (price appreciation and dividends), where stocks sit on the risk spectrum versus bonds and cash, and why keeping money only in savings is not as safe as it sounds...

Personal finance is taboo, rarely taught in school, and almost never discussed with friends or family. That is the problem Ryan and Aaron set out to fix. In the pilot episode, Ryan shares his background, from mechanical engineering degree at the University of Nevada Reno to founding Alchemy Wealth Management, a fee-only, independent, fiduciary firm focused on retirement planning. Aaron explains hi...

The Fiscal Physical Podcast is a weekly personal-finance education show that turns confusing money topics into plain-language lessons anyone can use. In this short pre-launch trailer, Ryan Nelson (founder of Alchemy Wealth Management and author of "Your Fiscal Physical") introduces the show's mission, explains why financial literacy is so widely missing, and previews co-host Aaron H...