Simply Money by Allworth Financial

Four Hidden Forces That Shape Every Money Decision, Plus Estate & Investment Mistakes Heard at the Dinner Table

Ever wonder why even the smartest financial plans sometimes fail in real life? On this week’s Best of Simply Money podcast, Bob and Brian unpack the four invisible forces—emotional, social, generational, and logical—that quietly drive every financial decision you make. From keeping up with friends at dinner parties to the money scripts you inherited from your parents, they’ll reveal how these hidden influences can sabotage your best-laid plans—and how to get back in control.
Bob and Brian also dive into common estate, investment, tax, and insurance mistakes high-net-worth families. Plus, what divorcing couples often overlook financially, and how to avoid being one of them.

Is This the Calm Before the Rate Cut? CPI, Cash Moves, and Smarter Investing Decisions

On this week’s Best of Simply Money podcast, Bob and Brian break down the latest July inflation report and explain why the Fed might finally be ready to cut rates in September. They also dissect investor fears of stagflation and clarify why today's market isn't the 1970s all over again. Later, they dig into why now might be the right time to lock in short-term yields for your cash, whether direct indexing makes sense for higher-net-worth investors, and how to think about pulling money in retirement. Plus, Bob shares how he’s handling the long-term care funding puzzle in his own financial plan.

Market Jitters, Social Security Uncertainty, Smart ETF Strategies, and the Truth About August Investing Myths

Has the stock market finally hit choppy waters? On this week’s Best of Simply Money podcast, Bob and Brian unpack what the latest jobs report tells us about the economy—and what it means for your portfolio. From resilient job numbers to a rate pause by the Fed, there's a lot to navigate.
Plus, what the future of Social Security means for you and how to use ETFs the smart way.

Market Predictions, P&G Layoffs, and the Truth About Social Security Taxes

On this week’s Best of Simply Money podcast, bold market forecasts are flying, but how accurate have past predictions been? Bob and Brian break it down.
Plus, they clear up the confusion surrounding a viral Social Security tax email and discuss the mental trick that could boost your retirement savings.

Riding Record Highs, AI Investing Myths, and the Senior Housing Crunch

On this week’s Best of Simply Money podcast, Bob and Brian dig into what investors should—and shouldn’t—do when the stock market keeps hitting record highs. Should you cash out or lean in? Behavioral finance, loss aversion, and portfolio strategy all come into play. Plus, hear how tools like direct indexing, buffered ETFs, and structured notes can help high-net-worth investors stay smart amid the noise.
Then, a reality check on retirement: new data reveals more Americans tapping their 401(k)s early, and a growing crisis in senior housing—especially right here in Cincinnati. Are you making a dangerous assumption about what Medicare actually covers? We’ll walk through the risks of waiting too long to secure care solutions.
Also in this episode: the truth about AI and investing—why even the smartest machine learning tools can't consistently beat the market, and how to actually use AI without falling for hype.

Your Mind vs. Your Money: How Emotions Quietly Derail Retirement

On this week’s Best of Simply Money podcast, Bob and Brian tackle the invisible force that can quietly wreck your retirement plan—your own mind. From action bias to overconfidence, scarcity to status quo traps, they unpack the psychological pitfalls that can sabotage even the best investment strategy.
Learn why your childhood money lessons still echo in your financial decisions today, how FOMO can lead to costly mistakes, and why behavioral coaching may be your greatest financial asset.
If you’ve built a solid nest egg but still feel anxious—or if you're tempted to chase trends like AI stocks—this conversation is a must-listen.

Financially Comfortable? The Hidden Risks You Can’t Afford to Ignore

Think you're financially secure? If you've got a solid portfolio, a vacation home, or even just a nice cushion saved up, this episode is for you. Bob and Brian uncover the overlooked threats that can sink your financial ship—from lacking umbrella insurance and cybersecurity exposure to the dangers of a sloppy estate plan.
They also tackle the pitfalls of over-concentration in company stock and the myth of diversification. Plus, how to fireproof your finances from family drama. If you’ve built wealth, now’s the time to protect it.

Midyear Market Check: Resilience Amid the Headlines

As 2025 hits the halfway mark, what do the markets, the economy, and your portfolio really look like? On this week’s Best of Simply Money podcast, Bob and Brian dissect the surprising strength of the markets despite geopolitical tensions, tariff fights, inflation fears, and political division. They explore what’s fueling the market’s growth, the role of earnings and inflation, and why long-term investors should stay the course.
Plus, insights into Kroger’s strategy shift, the truth about dividend reinvestment, key estate tax updates, and how life changes like retirement or divorce can—and should—reshape your financial plan.

Should You Bail on the Market During Global Chaos?

From wars and terror attacks to political strife, global events can shake our nerves—but should they shake our investments too? On this week’s Best of Simply Money podcast, Bob and Brian explore how markets have historically responded to geopolitical turmoil, and why staying the course with a solid financial plan could be your smartest move.
Plus, a deep dive into the boom in annuity sales and the real costs of those "guarantees," and an important warning about using AI for your online purchases.

The Life You Want, On Your Terms: Discover Financial Flexibility

Is the traditional idea of retirement outdated? On this week’s Best of Simply Money podcast, Bob and Brian challenge the old-school dream of "never working again" and introduce a more dynamic vision: financial flexibility. Discover how shifting your mindset—and your financial strategy—can unlock purpose, passion, and peace of mind in your later years.