The Financial Answer

The Financial Answer

Financial planning guidance from West Tennessee's Nathan O' Bryant.

Episodes

July 3, 2024 18 mins

As we navigate through the year, the economic and political landscape remains a topic of concern and speculation. Are there still predictions of a recession looming over us? If so, how can you shore up your financial position, no matter what the future may hold?

 

Here’s some of what we discuss in this episode:

  • Reduce your debt.
  • Stress-test your finances.
  • Boost emergency savings.
  • Stay informed about your financial health.
...

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Should you get into cryptocurrency? Cryptocurrency has been a hot topic for years, often seen as the Wild West of the financial world. However, recent developments suggest that this once-fringe investment is moving into the mainstream. One of the most significant milestones is the SEC's approval of a spot for Ethereum as an ETF. Nathan shares how he views this form of investing and how it may or may not fit in your financial plan.

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June 13, 2024 12 mins

In this special Father's Day episode, Nathan dives into classic “dadisms” to draw out valuable financial lessons from them. We discuss the importance of avoiding knee-jerk financial decisions, understanding the true weight of financial burdens, and the dangers of chasing that "better parking spot" in your investment portfolio.

 

Here’s some of what we discuss in this episode:

  • Dad joke, “Do I need to amputate?”
  • “It’s not heavy, ...
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Are you guilty of putting all your eggs in one financial basket? The latest episode of our podcast delves into the critical topic of investment diversification. We discuss everything from common mistakes Nathan sees to historic examples of when the financial bubble burst. What does true diversification look like and how can you achieve it in your portfolio?

 

Here’s some of what we discuss in this episode:

  • The dangers of having...
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While the stretch IRA has been gone for a few years now, a new tweak in the rules has added some confusion. On today’s episode, we discuss what this may mean for inherited IRAs and look at a recent article from CNBC to break it down. Currently, there is a 10-year rule to withdraw from an inherited IRA account, but the IRS is allowing a penalty relief in 2024 to certain heirs considered “non-eligible designated beneficiaries” as the...

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April 25, 2024 13 mins

Are you ready for a reality check when it comes to retirement? Today we wade through the myths and truths of post-career life, where the expectations of endless cruises clash with the reality of budgeting for healthcare. Learn why setting realistic goals and being adaptable are the keys to a successful retirement.

 

Here’s some of what we discuss in this episode:

  • Life happens. Be ready to adjust.
  • Know where your money goes.
  • Don...
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It’s almost derby time! But what does it take to take home the crown? On today’s show, we talk about the things you’ll want to keep in mind to win big when it comes to your financial plan. From training for the moment in the best way to understanding the kinds of bets you’re making, what financial lessons can be learned from such a famous horse race? 

 

Here’s some of what we discuss in this episode:

  • You’ve got to train for the...
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No matter what generation you’re in, you likely have questions when it comes to retirement. In this multi-part series we will discuss the different questions common among different generations. Today we talk through how to best prepare for that life transition if you are a Baby Boomer.

 

Here’s some of what we discuss in this episode:

  • What are the big retirement questions Baby Boomers are asking?
  • How do I manage the risks of th...
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Sometimes technology and innovation can help simplify and streamline things, but other times it can cause more of a headache than before. Today, we talk about what can become more complex and what is improved when you introduce technology into your financial planning.

 

Here’s some of what we discuss in this episode:

  • Can you Google it?
  • When should you use robo-advisors?
  • Online calculators are everywhere but do they give an accu...
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How have things changed since when your grandparents were planning for retirement? So many things have gone up in cost! Instead of pretending things are still like they used to be or avoiding the topic, it’s important to face some of these facts head-on. Listen in as we wrap up our conversation about how retirement planning can be harder than it used to be.  

 

Here’s some of what we discuss in this episode:

  • Healthcare costs ha...
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We’ve all heard our parents or older generations say, “Well, back in my day…” Some things that were harder in the past have been eased with technology and other advances. But other things have become overcomplicated or more difficult. Today, we talk about the ways retirement planning has changed and potentially gotten more challenging than it used to be.  

 

Here’s some of what we discuss in this episode:

  • Career patterns have c...
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January 18, 2024 18 mins

We’re living in a fast-food world, but sometimes it’s worth waiting for the good stuff. Making financial sacrifices can be hard, but today we talk about when the delayed gratification is worth it. From saving for your future to having what you need in retirement, you’ll want to be strategic about your money.

 

Here’s some of what we discuss in this episode:

  • Passing on the 401(k) match.
  • Leveraging your Roth.
  • Once you’re retired,...
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January 4, 2024 16 mins

More and more people are getting an inheritance these days. In today's show, we answer some of the common questions people face when receiving, or planning on one day receiving, an inheritance. Hearing these questions may help you prepare ahead of time for a smooth transition of assets when the time comes.

 

Here are some of the questions we discuss in this episode:

  • Should mom sign the house over to me when she dies?
  • What is a ...
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December 21, 2023 15 mins

As we near the holidays, you might be scrambling for last-minute gifts and preparing for a festive celebration. For many of us, the gifts in the stocking cover a range of everything from practical to absurd. Today, we talk through some of the fun financial things you might want to stuff in your metaphorical (or literal!) stocking.

 

Here’s some of what we discuss in this episode:

  • What about cryptocurrency?
  • What about stocks in ...
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‘Tis the season for a bit of holiday cheer! What can we learn about financial planning from some classic Christmas songs? These tunes we sing along to every year carry some great metaphors and lessons if you know where to look. For instance, we all know Rudolph the red-nosed reindeer was made fun of and overlooked, but turned out to be a great asset on Christmas Eve. What kind of financial decisions and products are more valuable t...

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Ready for an adventure? Sometimes climbing a mountain is full of adventure, and sometimes it’s more about being prepared. You have to get the proper gear, get used to using it, and practice before you summit a major mountain. Doing something step by step over time may be boring at times, but it helps you get to the goal. The same is true with saving for retirement.

 

Here’s some of what we discuss in this episode:

  • How are you g...
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November 9, 2023 18 mins

What can we learn about retirement planning from browsing the cereal aisle at the grocery store? We love finding relatable ways to teach about financial topics, so let’s scoop up a few bites of financial understanding on today’s show.

 

Here’s some of what we discuss in this episode:

  • What in the financial world is hard to resist but not all that good for you?
  • What seems good on the surface but isn’t as good as it appears?
  • What ...
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It’s always better to learn from the mistakes of others so you don’t have to make them yourself. In this episode, we talk through some common financial mistakes people make and share what you can do to avoid them. Remember, thinking through these situations now can help you steer clear of costly problems down the line!

 

Here's what we discuss in this episode:

  • Taking an early IRA withdrawal.
  • Spending too much money in peak earn...
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Let’s look at some of the hidden questions that come up when retirement planning. Whether you have put them off to the side or would rather focus on something else, all of these things are important components of your retirement plan. Talking through these questions with a financial advisor can help better position yourself in the long-run and cover you for what you need.

 

Here are the questions we uncover today:

 

  • How much wi...
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September 21, 2023 14 mins

Radio talk show host turned TikTok user, Dave Ramsey, is known for doling out financial advice to a wide audience. Today, we talk through some quotes from Ramsey to see what Nathan thinks as a financial advisor. Be it investing from a place of knowledge to relying on delayed gratification to make decisions, there’s a lot we can learn from him. Ultimately though, you have to have a strategy and a plan that works for you in order to ...

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