Épisodes

  • Buy, Borrow, Die: The Rich Person's Cheat Code?

    Buy, Borrow, Die: The Rich Person's Cheat Code?
    Oct 30 2026
    What if you could spend your stock-market gains without selling your stocks? This week, Pete and Damian unpack the "buy, borrow, die" strategy: how wealthy investors turn portfolios into spending money, why banks love the arrangement, and what happens when the market stops cooperating. Is it smart planning, a rich person's cheat code, or a very expensive way to discover that debt is still debt?
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    1 h
  • You Can Buy the Right to Transfer Investment Risk

    You Can Buy the Right to Transfer Investment Risk
    Oct 23 2026
    What if the purpose of some of your money is to buy fewer financial worries? This week, Pete, Dame, and Kristen explore annuities through one central idea: you can pay an insurance company to take on certain risks. We’ll explain the basics, compare the types and costs, and weigh the tradeoffs of exchanging flexibility and growth potential for greater certainty.
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    1 h et 7 min
  • Wait a second. What in the world is a home equity investment?

    Wait a second. What in the world is a home equity investment?
    Oct 16 2026
    Your house has gone up in value. Your checking account hasn’t. Now a company is offering you cash from your home equity—with no monthly payments. Home Equity Investments promise access to housing wealth without another monthly bill. But what do you surrender in exchange, and where will the money come from when it’s time to settle up? Pete, Dame, and Kristen examine how these agreements work, what the numbers can look like, and whether turning home equity into spending money solves a financial problem or delays it.
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    1 h et 6 min
  • Does Retirement Require a More Aggressive Asset Allocation in Today's World?

    Does Retirement Require a More Aggressive Asset Allocation in Today's World?
    Oct 9 2026
    Traditional retirement advice has encouraged investors to gradually reduce risk as they approach retirement. But with retirements potentially lasting 30 years or longer, inflation threatening purchasing power, and retirees increasingly responsible for generating their own income, is that advice still appropriate?
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    57 min
  • You promised to pay for college. Did you promise to go broke?

    You promised to pay for college. Did you promise to go broke?
    Oct 2 2026
    “We’ll pay for college” is easy to say when your kid is wearing diapers. What happens when they pick a private school, change majors, or need a fifth year? This week, we tackle three listener questions about how much to save, where parents can draw the line, and what to do when a college promise threatens retirement.
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    1 h et 1 min
  • He Makes $168,000—and Still Can’t Afford to Retire

    He Makes $168,000—and Still Can’t Afford to Retire
    Sep 25 2026
    A 53-year-old newly divorced man earns $168,000, kept the family home, and believes his best earning years are ahead of him. From the outside, he appears financially secure. But he has only $315,000 left for retirement, spends more than his monthly paycheck, carries 22% credit-card debt, and depends on an annual bonus that hasn’t arrived yet. His plan is to maintain his lifestyle, keep the oversized house, and catch up later. Is this merely a four-year financial squeeze—or has a high income disguised a retirement emergency? We examine the difference between earning a lot and needing a lot, whether home equity counts as a retirement plan, and what it would actually take for him to retire at 65.
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    55 min
  • 51 and starting over

    51 and starting over
    Sep 18 2026
    After 26 years of marriage, a 51-year-old listener is learning how to manage money on her own. She has a solid income, retirement savings, home-equity proceeds, temporary spousal support—and a persistent fear that one wrong decision could ruin everything. Should she buy another house? Pay off her car? Invest the divorce settlement? Keep helping her adult children? And is retiring at 65 still realistic? In this episode, we separate the financial damage of divorce from the emotional disruption of divorce, establish the correct order of operations, and build a practical 12-month plan for starting over without starting from zero.
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    1 h et 3 min
  • Is the great generational wealth transfer real?

    Is the great generational wealth transfer real?
    Sep 11 2026
    Millennials are expected to inherit approximately $46 trillion over the next 25 years, making them the largest beneficiaries of the so-called Great Wealth Transfer. But that enormous number hides an uncomfortable reality: much of the money belongs to a very small number of families, many inheritances won’t arrive until recipients are nearing retirement, and millions of millennials will receive little or nothing. Pete explains where the trillions are actually going, why inheritance may widen America’s economic divide and how families should plan for money that may—or may not—eventually arrive.
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    1 h et 11 min