On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a bold—and controversial—investment strategy suggesting nearly half your portfolio belong in gold, commodities, and even Bitcoin, with zero allocation to bonds. They dig into why some global strategists are losing faith in traditional portfolio construction, what’s really driving the fear around inflation and government debt, and why abandoning bonds altogether could create more volatility—not less. Plus, a reality check on cryptocurrency as a true currency, including what happened when El Salvador made Bitcoin legal tender—and why it hasn’t delivered on its promises. Finally, they explain how smart bond management—like adjusting duration and laddering maturities—can still play a critical role in building a resilient, income-producing portfolio.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian separate fact from fiction when it comes to the latest “stock market bubble” headlines. They also walk through the real-world decisions around unwinding rental properties, from 1031 exchanges to depreciation recapture, plus practical home maintenance tips that can protect one of your largest assets, and answers to listener questions on backdoor Roth strategies, inherited IRA withdrawal rules, and balancing charitable giving with family goals.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the implications of Fed chair nominee Kevin Warsh’s confirmation hearing with insights from former Cleveland Fed President Dr. Loretta Mester, explaining why Fed independence matters and how decisions are really made. They also explore new data showing declining retirement confidence as rising healthcare, travel, and housing costs weigh on retirees, along with practical guidance on building a plan that accounts for those realities. Plus they tackle listener questions by offering solutions for managing retirement cash flow when assets are tied up in private equity, investing excess income tax-efficiently after maxing out retirement accounts, and reevaluating municipal bond strategies as income changes.

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