The Financial Answer With Nathan O’Bryant podcast

18:04

What drives your financial decisions: cold hard numbers, or the way you feel? In this episode, Nathan kicks off a financial book club series with a look at The Psychology of Money by Morgan Housel, one of his favorite reads. This widely acclaimed book doesn’t just focus on dollars and decimals; it unpacks how emotions, personal history, and mindset shape the way we spend, save, invest, and plan for the future. Here’s some of what we discuss in this episode: 🧠 Why your financial past shapes your future behavior 📈 “Never enough” thinking and the risk of chasing more 💤 Why peace of mind > perfect math 🏡 Should you pay off your mortgage early? ⚠️ The power of building room for error into your plan For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Talking To Your Spouse About Market Crash Fears 14:27

21 days ago14:27

14:27

When the market drops, anxiety at home may rise. In this episode, Nathan explores how couples can navigate fear, miscommunication, and different emotional reactions to investing during downturns. You’ll hear why involving both spouses in planning meetings makes a measurable difference in confidence and calm. Here’s some of what we discuss in this episode: 💬 Why couples react differently to market drops 📉 How financial news distorts reality 🧠 The 4 emotional responses to volatility 📊 Why both spouses need to attend planning meetings 🤝 Creating peace of mind through conversation For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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What Should You Actually Do When the Market Drops? 21:40

5 weeks ago21:40

21:40

Market headlines are screaming and your portfolio is bouncing around. You’re tempted to “do something,” but what actually makes sense when volatility kicks in? In this episode, Nathan breaks down four practical strategies for navigating downturns without losing your cool (or your long-term plan). If you’re feeling shaken by the market dip or wondering what to do the next time one rolls around, we’ll share some practical guidance. Here’s some of what we discuss in this episode: 📱 Why watching the news can wreck your mindset 📉 Gut check: when fear meets strategy 🛠️ Smart investing is emotional discipline in action 🔁 Roth conversion opportunities during downturns For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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April Fool’s: Beliefs That Fool Retirement Savers The Most 18:06

7 weeks ago18:06

18:06

April Fool’s Day is all about jokes and pranks, but when it comes to retirement planning, getting fooled can cost you real money. Today, we’re uncovering the beliefs that fool retirees and pre-retirees into making bad financial moves. We’ll cover some of the most common myths that can derail your retirement plans and explain why they might not be as true as they seem. Here are some of the common beliefs we discuss on today’s show: “Guaranteed” high returns are easily attained You better claim Social Security ASAP before it runs out Underestimating the “tax time bomb” The 4% rule makes retirement planning easy Assuming that your children will “just take care of you” For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Inside the Advisor’s Office: What People Are Actually Concerned About 20:07

9 weeks ago20:07

20:07

Ever wonder what other people talk about with their financial advisors? A new survey of nearly 400 experienced advisors reveals the biggest concerns, challenges, and financial goals their clients are facing today. From retirement planning to healthcare costs to working longer than expected, we’re breaking down the key takeaways and how they compare to what we see in our own client conversations. 🔹 52% of clients seek financial advice for retirement planning – Is that the right focus? 🔹 38% of respondents worry about outliving their assets – How can you ensure lifelong financial security? 🔹 The average advisor’s client has saved $760,000 – Is that enough to retire? 🔹 Why more retirees are choosing to work past 65 – Is it financial necessity or personal choice? Nathan also shares why financial planning is about more than just investing, and how working with the right advisor can make all the difference. Overall, this episode is packed with insights that can help listeners reflect on their own financial situations. For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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The Money Questions Every Couple Needs To Discuss This Valentine’s Season 15:18

12 weeks ago15:18

15:18

Valentine’s season is all about love, but let’s be honest, money plays a huge role in any relationship. Whether you’ve been together for decades or are just starting out, financial stress can put a strain on even the strongest partnerships. So, how do you talk about money without killing the romance? In today’s episode, we’re looking at the questions every couple should ask about finances and retirement. Here’s some of what we discuss in this episode: How can long-term couples keep financial peace and avoid ‘spender vs. saver’ battles? How can you support your family without compromising your own retirement? If you’ve kept separate finances for years, is it ever too late to merge money? What’s the best way for couples to handle financial curveballs without turning money stress in marriage stress? How can couples start the estate planning conversation without it feeling like a romance killer? For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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What Do Proposed Tariffs Mean For Your Portfolio? 18:13

14 weeks ago18:13

18:13

The day President Trump took office, he announced plans to implement a 25 percent tariff on goods from Mexico and Canada. Additional tariff conversations have exploded since that day. How might this impact your personal finances and the economy? In this episode, we’ll take a closer look at the backstory of tariffs - what they are, why governments impose them, and the historical context of them. We'll also break down the new tariffs that have been introduced, their potential impact on everyday people, and what you can do to navigate this shifting financial landscape. Here’s some of what we discuss in this episode: What are tariffs and their historical context? How will this impact the economy? The potential benefits of tariffs The overvaluation of the tech sector and the importance of diversification Wolf Street Article: https://wolfstreet.com/2025/02/03/what-trumps-tariffs-did-last-time-2018-2019-had-no-impact-on-inflation-doubled-receipts-from-customs-duties-and-hit-stocks/ For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Inflation-Proof Your Retirement In 2025 13:55

16 weeks ago13:55

13:55

Inflation has been a hot topic in recent years and continues to be as we navigate through 2025. With rising prices affecting everything from healthcare to everyday expenses, its effect on long-term financial strategies is arguably more significant than ever. In this episode, we’ll explore how to adjust your retirement strategy to stay ahead. Here’s some of what we discuss in this episode: How inflation in recent years has impacted retirement strategies and plans The rate of inflation Nathan assumes when building a retirement plan in 2025 The types of investments or strategies that are most effective for combining inflation today The importance of diversification in managing inflation risks How to plan for inflation in the long term to protect your retirement lifestyle For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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The Snowbird Retirement: Is a Seasonal Move Right for You? 15:22

18 weeks ago15:22

15:22

Brrr, it’s cold out there! Winter has a lot of people thinking about warmer weather. For some, that just means an annual vacation down south. But for certain retirees, they choose to live elsewhere through the brunt of winter, becoming “snowbirds.” Is snowbird life for you? Join Nathan as he discusses the factors that drive people into the snowbird lifestyle, how remote work plays a role in doing this a little sooner than you might anticipate, where snowbirds are flocking to nowadays, and much more! Here’s some of what we discuss in this episode: What drives people to become snowbirds? The role of remote work Where are snowbird retirees moving to? Cost and other things to consider How an advisor can help you reach your retirement goals For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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The Art of Rebalancing: WHEN to Adjust Your Portfolio and WHY 13:31

20 weeks ago13:31

13:31

Is rebalancing your portfolio a December tradition, a January jumpstart, or something triggered by a big life event or even the economy? Let’s explore the when, why, and how of rebalancing. Here’s some of what we discuss in this episode: What is rebalancing and why it’s important. How life events can trigger a need to rebalance your portfolio. What is threshold rebalancing? When market conditions can impact rebalancing. For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Most Americans Are Forced to Retire Early- Are You Ready? 14:51

22 weeks ago14:51

14:51

Did you know most Americans retire earlier than planned? This is often due to unexpected health issues, job changes, or financial surprises. These challenges can force people out of work early, leaving them unprepared for decades of retirement. In this episode, we’ll explore recent research highlighting the importance of planning for early retirement, even if it’s not in your current plans. Here’s some of what we discuss in this episode: Why do Americans retire earlier than planned? What is the financial impact of early retirement? How can you prepare for an unexpected retirement? How can retirees find fulfillment despite financial challenges? Resources for this episode: Most Americans Have To Stop Working Earlier Article https://www.aol.com/planning-retire-65-most-americans-080104599.html For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Financial Forecasting: A Post-Election Conversation 16:44

25 weeks ago16:44

16:44

Election season has officially wrapped up, and with the results in, we now have a clearer picture of what the future may hold. In today’s episode, Nathan and Marc dive into several important topics that could be shaped by the new administration. Listen in as they discuss the potential extension of the Tax Cuts and Jobs Act, government spending and tariffs, and how the outcome of presidential elections can influence the market. Here’s some of what we discuss in this episode: The possible extension of the Tax Cuts and Jobs Act Taking advantage of Roth conversions during this time National deficit concerns and potential solutions The market’s reaction to the election Resources for this episode: https://www.usatoday.com/story/money/personalfinance/2024/11/17/trump-republican-win-low-tax-economy/76296530007/ For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Don’t Blow Your Bonus! Smart Ways to Use a Lump Sum Payout 15:27

27 weeks ago15:27

15:27

Whether you’re anticipating a year-end bonus this December, recently received an inheritance, or even won the lottery (hey, we’re all allowed to dream), figuring out what to do with a large financial windfall can feel overwhelming. No matter how you’ve come into this newfound wealth, it’s important to approach it thoughtfully. Here’s some of what we discuss in this episode: Don’t rush your decision. When things get emotional, it’s best to take a breath and slow down. What are some of the smart options for putting this money to work? Find some balance. You don’t need to save or invest every penny. Some special considerations to keep in mind if you get a nice bonus this year. For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Is Dividend Investing Dead? 16:52

29 weeks ago16:52

16:52

Wondering if dividend investing is still the best approach for your retirement? Based on a recent article , we dive into what incidental income is and how it may change your strategy around dividends. Nathan talks about how it generates cash flow from portfolio turnover rather than relying solely on dividends. Here’s some of what we discuss in this episode: How incidental income compares to dividend investing. The potential volatility of overfocusing on dividend stocks. The tax implications of this strategy. Read more: https://seekingalpha.com/article/4723299-incidental-income-makes-dividend-investing-unnecessary-in-retirement Visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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How Current Economic Shifts Could Affect Your Retirement 17:35

31 weeks ago17:35

17:35

The financial landscape is changing rapidly, and if you’re focused on retirement, these shifts can’t be ignored. In today’s episode, we break down the trends that will define the rest of 2024 and their implications for your retirement plan. Here’s some of what we discuss in this episode: Nathan’s big getaway. Market volatility and how much an election changes that. Shifts in housing and the real estate market. Changes in interest rates. Consumer debt and how to make smarter decisions. For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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For Couples, Retirement Planning Is A Team Sport 17:19

33 weeks ago17:19

17:19

Retirement planning as a couple can come with its share of challenges. You aren’t planning for the financial future of just one person, but two! Often, each person comes with their own set of fears, feelings, and feedback. In today’s podcast, Nathan delves into why retirement planning should be a team effort and how couples can work together to avoid common pitfalls. Here’s some of what we discuss in this episode: The importance of communication and open dialogue. Discussing the details of the plan. Agreeing on the risk tolerance. Establish a healthy budget and spending habits. For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Unlock Your Potential During National Financial Planning Month 15:46

35 weeks ago15:46

15:46

As we celebrate National Financial Planning Month, there's no better time to take control of your financial future. In today’s podcast, Nathan discusses the ins and outs of building a personalized financial plan. Whether you're just starting out or looking to refine your strategy, Nathan's insights are invaluable for anyone looking to secure their financial future. Here’s some of what we discuss in this episode: Why Nathan became a financial advisor. What the initial phases of the planning process looks like. Why financial education is important. What to do if you’ve been procrastinating with your financial plan. For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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IRS Rules for RMDs 12:37

38 weeks ago12:37

12:37

Recently, the IRS provided some much-needed clarity on the Secure Act changes, specifically regarding Required Minimum Distributions (RMDs). In today’s podcast, Nathan breaks down these updates and explains their implications for your financial strategy. Here’s some of what we discuss in this episode: An overview of the Secure Act. Clarity on the RMD rules. The impact on your financial plan. Market volatility and diversification. For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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August 2024 Market Update 17:23

40 weeks ago17:23

17:23

Market volatility can be a nerve-wracking experience for any investor. Recent fluctuations have left some questioning the future of their investments. Nathan outlines which crucial strategies to follow in order to help you manage your investments, no matter how turbulent the times. From staying invested to rebalancing your portfolio, these tips are designed to keep you on track toward your financial goals. Here’s some of what we discuss in this episode: Staying invested. Continuing to invest. Rebalancing your portfolio. Taking advantage of tax loss harvesting. Being cautious right before retirement. For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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What is Blackrock's 100% Stock ETF Hedge? 13:23

43 weeks ago13:23

13:23

In the ever-evolving landscape of financial products, BlackRock has recently introduced a stock ETF with a 100% downside hedge. This announcement has generated a buzz among investors, but what does it really mean? In our latest podcast, Nathan breaks down the complexities of this new offering and provides crucial insights for investors. Here’s some of what we discuss in this episode: Understanding the 100% downside hedge. The role of buffered ETFs. Pros and cons of this ETF. Reuters Article: https://www.reuters.com/business/finance/blackrock-launches-stock-etf-with-100-downside-hedge-2024-07-01/ For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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3 Things to Consider if there’s a “Recession” in 2024 18:46

45 weeks ago18:46

18:46

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. Recession predictions article: https://www.cnbc.com/2023/12/26/the-us-avoided-a-recession-in-2023-whats-the-outlook-for-2024.html For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Cryptocurrency and Your Financial Plan 15:50

46 weeks ago15:50

15:50

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. Here’s some of what we discuss in this episode: SEC has approved a spot for Ethereum as an ETF. Ethereum is becoming more mainstream as it moves from fringe to legitimacy. The tokenization of real-world assets. Should you get into crypto? The Motley Fool Article: https://www.fool.com/investing/2024/06/09/ethereum-is-making-big-moves-3-reasons-im-buying-i/ For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Financial Lessons from Dad 12:12

48 weeks ago12:12

12:12

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, it’s just awkward.” Winning the game and sticking with the plan. Finding a “better” parking spot for your money. For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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All In One Basket: Financial Diversification 14:39

51 weeks ago14:39

14:39

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 everything in one basket. Misconceptions about mutual funds. Trying to diversify with different financial advisors. The importance of transparency and communication. For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Explaining Penalty Relief for Inherited Withdrawals 16:27

1 year ago16:27

16:27

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 they work to figure it out. Here’s some of what we discuss in this episode: What the IRS did in 2024 about inherited withdrawals. What the tax implications could be in the future. If you should get a Roth conversion. CNBC article: https://www.cnbc.com/2024/04/19/irs-waives-required-withdrawals-from-some-inherited-ira-for-2024.html For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Retirement Expectations vs. Reality 13:54

1 year ago13:54

13:54

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't be too proud to get some help with retirement planning. Make sure when you go to talk with an advisor, you're getting the right expectations. For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Winning the Financial Triple Crown: Strategies from the Kentucky Derby 15:14

1 year ago15:14

15:14

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 big moment. It takes a team to get to the winner’s circle. Consider what risk you need to insure against. The hats are all unique, just like the people. For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Retirement Questions That Every Generation Is Asking, Part 1 16:44

1 year ago16:44

16:44

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 the market? How do I get my money in retirement? What can be done to address healthcare costs? What’s the best way to pass on wealth to my heirs? How can I maximize my Social Security benefits? Should I downsize or relocate? For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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How Is Technology Redefining Retirement Planning? 22:40

1 year ago22:40

22:40

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 accurate view? Are educational webinars useful? Is personal finance software helpful? Mobile banking apps have changed how many people do banking. Are online wills effective? For more, visit us online: http://thefinancialanswer.com…

The Financial Answer with Nathan O’Bryant

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Is Retirement Planning Harder Than It Used to Be? Part 2 19:56

1 year ago19:56