With so many advisors being educated on money and investing by insurance companies and investment firms who want to sell products, Paul realized that it is now the investors’ job to understand how their life savings are being managed. In a two part episode, Paul gives you some practical tips on how to judge whether or not your investments and your advisor are leading you in the right direction. Listen along as Paul shares how your statements will either tell you that you’re properly diversified and on track or that your advisor is market timing and speculating with your money.

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In the last few months, the two largest crypto exchanges have been found guilty of fraud and money laundering. Today, Paul brings Evan and Anne on to the show to talk about Binance’s CEO pleading guilty to money laundering late last week. Listen along as these advisors shed some insight into what is going on in the world of crypto right now and how these companies lured in and hurt people who thought they were investing. Later in the episode, Paul talks about how most Americans are getting to the top of their borrowing ranges.

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Today, Michael brings in a type of product that is becoming heavily marketed to younger investors: crowdfunded real estate. The sales pitch often sounds like this: “The wealthiest investors own real estate. Until now, you needed hundreds of thousands of dollars to get started, but you can start investing in real estate today with only a few hundred through crowdfunded real estate projects.” Listen along as Paul and Michael unpack this sales pitch, talk about the risks, and explain why this isn’t a new concept, but an older one that has been rebranded.

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With the holidays quickly approaching, Paul and Michael pause for a moment to reflect on how companies are going to use the happy feelings the holidays bring to market their products and convince you that the holidays will be better with their product. Listen along as the two advisors talk about why it’s so important to unplug from technology and focus on what matters most. Later in the episode, Paul tries to clear up the question: What happens to the credit card debit of someone who has just passed away?

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Paul keeps talking with people whose friends and family are taking all their money and putting it in gold or silver. Paul finally gets an advisor in the Goodlettsville office to find a time that gold actually fared well compared to stocks, then to compare taking an income from $1 million in these precious metals to a 60/40 portfolio. Listen along to hear how long it took these precious metals to stop producing an income for investors. Later in the episode, Paul talks about the financial industry trying to sneak sales pitches into investor education and how that can leave people feeling jaded and skeptical.

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Today, Paul Winkler invites Jim Wood to finish their discussion on one of the most common investor traps: getting caught up in market delusions. Using the most recent examples of electric vehicles and artificial intelligence, Paul and Jim talk about how investors get caught up in the promise of new technologies, discussing how financial media outlets and markets often overestimate the initial impact of these technologies. Listen along as these two advisors share an article that outlines how people get caught up in these market “bubbles” and why that ultimately works against your retirement planning.

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Today, Paul Winkler invites Jim Wood to discuss one of the most common investor traps: getting caught up in market delusions. Using the most recent examples of electric vehicles and artificial intelligence, Paul and Jim talk about how investors get caught up in the promise of new technologies, discussing how financial media outlets and markets often overestimate the initial impact of these technologies. Listen along as these two advisors share an article that outlines how people get caught up in these market “bubbles” and why that ultimately works against your retirement planning.

Start relaxing about investing by scheduling a 15-minute call with one of our advisors here.

Today, Evan shares a fascinating story this week about a man who purchased a coal mine for $2 million that might actually be the United States’ largest deposit of rare earth material — some of which China has just started restricting exports for. Listen along as Evan and Ira talk about how fast this got built into stock prices and what this may mean for making microchips or semiconductors in the United States. Later in the episode, Evan addresses a conversation he overheard on WTN between a producer and host who are worried they are never going to see a penny of social security. Evan explains what the need around funding Social Security looks like and why there is room for some optimism for Americans around this program.

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Some people work their whole lives convinced that investing is too complicated for them to understand. Today, Evan and Ira talk about an important conversation that can help people connect the basic life lessons and principles people use every day to investing principles. Listen along as these advisors work to demystify some of the investing process by talking about how planning for the future instead of predicting the future, accepting your own limits, and acknowledging uncertainty can either create stress or opportunities.

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