Simply Money

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 shifting from accumulation to preservation...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack why the rise of AI company Anthropic is moving markets—even though you can’t invest in it—and what that means for portfolios that may already be heavily exposed to tech. The conversation then shifts to retirement realities, including the often-underestimated cost of healthcare and the critical need to plan for cognitive decline b...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest Social Security shortfall projections and what they really mean for your retirement plan, discuss whether new hedge-fund-style ETFs add real diversification or just complexity, explore how to stay relevant in an AI-driven workplace, and answer listener questions on portfolio risk, diversification, and protecting your financial infor...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Supreme Court’s 6–3 ruling against a major part of President Trump’s global tariff strategy and what it means for the markets, the $133 billion already collected, and your portfolio, with insight from Allworth Chief Investment Officer Andy Stout in Cincinnati. They also dive into the growing push to add private equity to ...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the $2 million retirement illusion — why that number used to mean financial independence, but today can leave some families feeling secure and others deeply uncertain. They explain how inflation, taxes, lifestyle creep, supporting adult children and aging parents, and market volatility all impact what $2 million can realistically generat...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why your cash hoard might be quietly costing you millions over time, even as the S&P 500 has delivered a 330% total return over the past decade with dividends reinvested. They break down the real risks of sitting on 15–30% in cash, why waiting for the “perfect” market pullback often backfires, and how to determine the right ...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore a simple phrase that could mean the difference between financial freedom and struggle: “the sooner the better.” They unpack new data around Gen X’s looming retirement crisis and what it means to be the first generation largely retiring without pensions. Then, they dive into a compelling new study showing how saving—not spe...

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 also dig into why a single withdrawal ...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what a stronger-than-expected jobs report could mean for Fed rate cuts and your portfolio, break down a potential Social Security tax surprise tied to retroactive benefit payments, examine the pros and cons of trendy “buffered” annuities tied to international markets, warn about gold and AI-driven Ponzi scams, and answer listener ques...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the financial decisions that feel boring or easy to postpone often have the biggest impact on long-term success. From overlooked beneficiary designations and withdrawal strategies to missed tax-planning windows and life risks that don’t show up in market charts, they explain how successful families can do everything “right&rdqu...

On this episode of Simply Money presented by Allworth Financial, Brian unpacks a major market milestone as the Dow crosses 50,000, with Allworth CIO Andy Stout explaining what disciplined investors should do amid AI-driven volatility, valuation concerns, and mixed economic signals. They also dig into Bitcoin’s sharp drop and rebound, discussing whether crypto belongs in a real financial plan, then shift to the highly emotiona...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle the best—and worst—money advice you’re likely to hear at a Super Bowl party and explain why tips from “successful” friends, doctors, executives, or business owners can still lead you astray. They break down common myths like ditching bonds entirely, never selling company stock because of taxes, assuming your CPA is ha...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what the recent AI and Magnificent Seven pullback really means for investors, why volatility is normal when stocks are priced for perfection, and why diversification matters more than ever. They dig into the often-overlooked threat of rising healthcare costs in retirement, including Medicare premiums, IRMAA surcharges, HSAs, and Roth planning. Th...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why many investors who feel diversified may be taking on far more risk than they realize, as a small group of mega-cap tech stocks now drive a disproportionate share of market returns. They explain how popular index and total market funds can quietly become concentrated, especially for investors nearing retirement, and why volatility hurts mor...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down whether a strong January really sets the tone for the rest of the market. They explain why diversification is resurfacing as international stocks and small caps outperform, dig into why the world’s largest asset manager says bonds may no longer protect portfolios the way investors expect, and share smarter ways to manage risk and income ...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore a surprising truth: being intelligent doesn’t protect you from making poor financial decisions. In fact, sometimes it makes things worse. They uncover the hidden forces—confirmation bias, inertia, overconfidence—that trip up even the savviest investors, especially those who’ve accumulated real wealth. Learn why building sy...