Roshan Loungani And Adrian - Podcast Details

Shows

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL225 —How to Find Great Investments in Unpredictable MarketsSummary: In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss the complexities of market predictions and their relevance to investment strategies. They emphasize the importance of focusing on solid business fundamentals and valuation metrics rather than getting caught up in market forecasts. The conversation covers how to evaluate stocks effectively and the criteria to consider when making investment decisions, ultimately guiding listeners towards a more informed and strategic approach to investing. Hashtags: market predictions, investment strategies, stock evaluation, financial advice, retirement planning Chapters 00:00 Introduction to Market Predictions 05:04 The Value...2025-02-0528 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL224 — Kickstart Your 2025 Financial JourneySummary: In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss the importance of starting the new year with a clear focus on financial goals and strategies. They introduce the 'Starting Five for 2025', which includes simplifying tasks, celebrating daily wins, reviewing goals, automating financial processes, and revisiting investment allocations. The conversation emphasizes the need for reflection and planning as listeners embark on their financial journeys in the new year. Chapters 00:00 Welcome Back and New Beginnings 02:25 Exploring the Retirement Lifestyle Show Website 07:30 The Starting Five for 2025 08:15 Simplify for Success 11:45 Daily Wins for Momentum 13:08 Reviewing...2025-01-2224 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL222 — 2025 Market Outlook: Trends, Strategies, and the Magnificent SevenSummary In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson talk about the 2025 investment outlook, discussing the post-pandemic economic landscape, market dynamics, and the significance of the Magnificent Seven stocks. They explore the impact of geopolitical risks on investments and emphasize the importance of rebalancing portfolios to align with financial goals. The conversation highlights key trends and strategies for investors to be more informed when navigate the evolving market environment. Chapters 00:00 Navigating the Post-Pandemic Economic Landscape 06:40 Understanding Market Dynamics and Investment Strategies 13:57 The Magnificent Seven: Trends and Predictions 20:42 Geopolitical Risks...2024-12-1127 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL221 — Financial Psychology: Biases That Impact Your LifeRetirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson journey into the realm of financial psychology, exploring how various psychological concepts influence retirement planning and investing. They discuss the status quo bias, heuristics, analysis paralysis, mental accounting, the endowment affect, herd behavior, and narrative fallacy, providing insights and examples to help listeners understand the impact of these biases on their financial decisions. The conversation emphasizes the importance of self-awareness in managing finances and making informed investment choices. Hashtags: financial psychology, retirement planning, investing, behavioral finance, decision making, status quo bias, heuristics, analysis paralysis, mental accounting, endowment affect...2024-12-0436 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL220 — Artificial Intelligence: Opportunities, Risks, and Market Trends for 2024Summary: In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss the current state of artificial intelligence (AI) and its implications for investors. They explore the rapid growth of AI, the potential for investment opportunities, and the risks associated with this emerging technology. The conversation delves into the impact of AI on productivity and employment, the importance of understanding the AI value chain, and the need for vigilance in research and investment strategies. The hosts also compare the current AI landscape to past market bubbles and provide insights into future projections for AI companies. 2024-11-2732 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL219 — Smart Financial Strategies to Close the Year StrongIn this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss essential financial strategies as the year comes to a close. They emphasize the importance of cash reserves, investment discipline, tax loss harvesting, optimizing tax accounts, and estate planning. The conversation provides listeners with practical tips to achieve their goals. #retirement planning, cash reserves, investment strategies, tax loss harvesting, estate planning, financial advice, wealth management, retirement accounts, financial discipline, tax efficiency Chapters 00:00 Introduction to Retirement Planning 01:19 Importance of Cash Reserves 05:08 Investment Doubling and...2024-11-1327 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL218 — 2024 Presidential Election: Key Investment Insights for Your PortfolioIn this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss the implications of the upcoming election on investments. They explore how elections can create uncertainty in the market, the importance of diversification, and the impact of presidential outcomes on the S&P 500. The conversation focuses on various policy proposals from both candidates, including tax policies, interest rates, energy, and regulation, and how these factors could influence different sectors. The hosts emphasize the need for investors to focus on individual companies rather than making sweeping changes based on election outcomes. Chapters 00:00 Understanding the...2024-10-3025 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL216 — Investing in Turnaround Companies: What You Need to KnowIn this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss the complexities of turnaround investments. They discuss the risks associated with investing in companies attempting to recover from poor performance, emphasizing the importance of evaluating management effectiveness, market share, and financial health. The conversation highlights key factors to consider when assessing potential turnaround opportunities, including the relevance of products, competitive advantages, and the necessity of a solid investment strategy to manage risks effectively Hashtag# turnaround investments, investment strategies, market share, management evaluation, financial health, business viability, risk management, investment advice, stock market...2024-10-0229 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL215 — Mastering Sell Discipline: Key Strategies for Smarter InvestingIn this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss the importance of having a sell discipline in investing. They share insights from the recent Arete Wealth Management conference, emphasizing the need for investors to have clear reasons for selling their investments, which can be based on changes in their investment thesis or market conditions. The conversation moves into behavioral finance, emotional decision-making, and the significance of customizing sell strategies to fit individual investor profiles. The hosts provide practical tips for developing a sell discipline that can educate investors about future market volatility and...2024-09-2531 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL214 — 5 Quick Tips to Boost Your Lifestyle: Control, Humor, Hobbies, Challenges & GoalsSummary: In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss five practical tips to enhance daily life and improve overall well-being. The conversation covers the importance of controlling what you can control, seeking humor, engaging in hobbies, challenging oneself, and setting goals. Each tip is explored with personal stories and insights, emphasizing their significance in fostering a positive lifestyle. #Lifestyle #Enhancement #Personal development #Happiness tips #Retirement #Self-improvement #Invest #Control #Humor #Hobbies #Challenges #Goals Chapters: 00:00 Introduction to Lifestyle Enhancement Tips 01:05 Controlling the Controllables 02:57 The Power of Humor 05:34 Embracing Hobbies for...2024-09-1822 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL213 — Escape the Herd: Key Investing Lessons from Howard MarksSummary: In this episode, Roshan Loungani and Adrian Nicholson delve into key insights from Howard Marks' book, The Most Important Thing. They explore essential investing concepts like valuation, risk, and diversification. They recommend understanding the true value of your investments, managing risks eƯectively, and maintaining a diversified portfolio. The discussion also highlights the importance of recognizing market cycles, managing emotions, and focusing on individual opportunities rather than market predictions. Chapters 00:00 Introduction and Overview 02:10 Understanding Valuation and Risks in Investing 08:22 The Importance of Managing Risk and Mitigating Losses 13:02 Diversification 21:29 Reliable Gains and Avoiding Aggressive Investing 22:15 The Margin o...2024-09-1148 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL203 — Buffett's Wisdom: Insights from Berkshire Hathaway Annual MeetingRoshan Loungani reflects on attending Berkshire Hathaway's annual meeting, stressing the value of learning from Warren Buffett's experience and quotes. He discusses market efficiency and the importance of understanding businesses for investment decisions. Roshan also considers Buffett's potential view on meme stocks. Key takeaways include focusing on good businesses, long-term investment, continuous improvement, kindness, and fundamental analysis. Takeaways Learn from Buffett's experience and quotes. Understand businesses for better investment decisions. Consider Buffett's perspective on meme stocks. Emphasize good businesses, long-term focus, and continuous improvement in investing. Hashtags 2024-05-1548 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL198 — Buffett Wisdom: Investing, Business, WealthIn this episode, Roshan Loungani and Adrian Nicholson discuss Warren Buffett's annual letter and the key takeaways from it. They highlight the importance of Munger's advice to Buffett, which led to a shift in this investment strategy. They emphasize the value of focusing on business quality rather than price alone. The hosts also discuss the significance of patience and avoiding permanent loss of capital in investing. They stress the importance of ignoring market pundits and making sound investment decisions. Additionally, they discuss Berkshire Hathaway's strengths and its ability to take advantage of market declines. ...2024-03-0741 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL193 — 2023 Key Events and LessonsIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson discuss the key events and investment lessons from 2023. They talk about the themes that shaped the investment landscape in 2023, why volatility is an investor’s best friend, and what the stock market taught us in 2023. [00:00] Introduction [01:36] The Benefits of Becoming a Disciplined Investor [03:16] How Inflation and Rates Set the Tone For 2023 [05:25] Failing Banks and the Available Opportunities [06:52] Why 2023 Was a Big Year for AI [09:52] Things That Helped Us Avoid a Recession in 2023 [10:23] The...2023-12-2744 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL192 — Market Outlook 2024In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson discuss the market outlook for 2024. They talk about the opportunities you should look out for in 2024, the benefits of balancing risk with optimism when investing, and whether the S&P 500 is overvalued on a price-to-earnings basis. [00:00] Introduction [01:09] The Benefits of Balancing Risk with Optimism [02:34] Thoughts on Inflation Risk [04:54] Shelter Inflation and the Available Opportunities [07:20] Equities in Large Public Companies [09:11] What Does Margin Expansion Mean? [11:55] Why Cash Rates Look Good [15:37] Bonds...2023-12-1335 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL191 — 10 Practical Steps to Wealth Building Success.In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson go through the 10 seeds of wealth building. They cover the benefits of being frugal, ways to beat inflation, and how to get the most out of compound interest. [00:00] Introduction [02:53] Think Wealth [06:47] Why You Need to Start Being Frugal [08:10] Rich People Stay Rich By Living Like the are Broke [10:57] Wealth is Built on Profit-Ability [15:23] Get Out of Debt [20:35] The Difference Between Good and Bad Debt [23:28] Don't Just Save, Save Urgently 2023-11-2944 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL190 — Balancing Finances in Life, Career, and RetirementIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson go through the key investing tips for the different stages of life. They cover ways to balance finances in all stages of life, how to get the most out of your peak earning years, and what to do to guarantee a comfortable retirement. [00:00] Introduction [01:35] Key Investing Tips For Different Stages of Life [03:18] How to Invest When You Start Making Money [06:42] Why You Should Invest In Yourself [10:13] How to Build a Strong Investing Foundation [12:05] Getting t...2023-11-1632 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL188 — The Rulebook for Trading and Investing SuccessIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down Jim Paul and Brendan Moynihan’s book - What I Learned Losing a Million Dollars. They cover the 5 essential elements for successful investing, dealing with losses as an investor, how disciplined consistency can make you a successful investor, and much more. [00:00] Introduction [02:41] Deciding What Type of Investor You Want To Be [05:29] 5 Crucial Steps in a Solid Decision-Making Process [08:11] The Difference Between a Successful and an Unsuccessful Investor [12:27] How to Select Your Preferred Method of An...2023-10-2543 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL187 — Exploring Oil, Inflation, and the Secrets of Blue ZonesIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson discuss how oil affects inflation and the lifestyle habits that will help you live past 100. They cover topics like the risk of another rate hike coming, and what you can start doing today to become a centenarian. [00:00] Introduction [00:53] Inflation and Oil Prices [03:31] Is There Another Rate Hike Coming? [06:44] The Longevity Secrets From the Blue Zones [09:02] What Are the Blue Zones? [09:43] People Who Live to 100 Share These 12 Lifestyle Patterns [17:17] Ikigai - Finding Your...2023-10-1225 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL186 — Breaking Down the Impact of 'Higher for Longer' Interest RatesIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down the impact of higher interest rates on people's financial lives. They cover topics like natural market reactions to higher interest rates, the impact of higher rates on American households, and what the Fed is doing to combat inflation. [00:00] Introduction [01:30] Why the Fed Raises Rates as Fast as They Do [02:32] Impact of Higher Interest Rates at the Household Level [06:00] What to Expect From Mortgages Going Foward [08:03] What Are the Golden Handcuffs? [09:30] Natural Market R...2023-10-0432 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL185 — 11 Year-End Financial Planning and Investing TipsIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson go through 11 year-end financial planning and investing tips to ensure you end the year on a high. They cover topics like the benefits of having a financial calendar, tax-efficient routes to charitable donations, and things to consider when reviewing your portfolio. [00:00] Introduction [01:22] The Benefits of Reviewing Your Financial Plan [05:37] Why You Need to Start Maximizing Your 401Ks [08:23] Saving Money on Taxes [12:18] Check on Your Health and Insurance Coverage [13:21] Year-End Tax Review [16:20] The...2023-09-2033 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL184 — The Essential Component for Planning Your Retirement ExplainedIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson discuss the most essential component of retirement planning. They cover the benefits of planning for retirement, the average life expectancy in the US, and how to ensure you don't outlive your money in retirement. [00:00] Introduction [01:21] Life Expectancy in Retirement Planning [02:47] Quiz on the Average Life Expectancy in the US [06:23] What is Longevity Literacy? [07:56] You Cannot Plan Without a Goal [09:40] Know Retirement Information in Advance [13:39] Preparing For the Later Stages of Your Life 2023-09-0626 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL183 — 10 Financial Beliefs DebunkedIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson debunk 10 conventional beliefs about investing and financial planning. They cover the best time to take Social Security, paying off debt versus investing, what to do when the market is down, and much more. [00:00] Introduction [01:05] Diversify Your Investments [04:20] Understanding Portfolio Diversification [06:09] Wait to Take Social Security [09:37] When the Market is Down, Do Nothing [13:48] You Need a Budget to Determine Your Cash Flow [16:00] You Will Spend Less In Retirement [18:54] Money Will Undermine...2023-08-3034 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL179 — 5 Investing Mega TrendsIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down 5 investing megatrends. They cover topics like the current state of the banking industry, what an aging population means to your investments, and why it’s the perfect time to reassess your portfolio. [00:00] Introduction [01:45] Digital Disruption and AI [05:17] Reasses, Rebalance Your Portfolio [06:27] What is the Rate Hiking Cycle? [08:06] We Are Headed Towards a Fragmenting World [10:20] Outside Forces Affecting Your Investments [12:45] The Low Carbon Transition [15:50] Economic Issues of an Aging Po...2023-08-0228 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL178 — Exploring the Art vs. Science Debate in InvestingIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson debate whether investing is an art or a science. They cover topics like the magic formula of investing, the efficient market theory, and how to use both the art and the science elements to make investment decisions. [00:00] Introduction [01:45] Investing is an Art [02:32] The Subjective Part of Investing [07:05] Why Creativity is Important for Successful Investing [10:12] The Greatest Scientific Discoveries in History [13:07] Following Your Gut [15:50] The Power of Timing and Precision [18:03] Risk a...2023-07-2741 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL177 — Lessons For A Successful RetirementIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down a recent article on what it takes to achieve a happy and successful retirement. They cover lessons on how to retire better according to retirees who learned the hard way, as well as ways retirement can lead to loss of identity. [00:00] Introduction [03:09] What Retirees Regret Most About Retirement [05:55] The Foundations of a Successful Retirement [08:33] How to Start Planning For Retirement [09:29] How Retirement Can Lead to Loss of...2023-07-1932 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL176 — 2023 Recession Debate In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson tackle the 2023 recession debate. They look at arguments against and for a recession as well as what the job numbers, manufacturing, and credit can tell us about a possible rich-cession. [00:00] Introduction [01:15] Are We in a Recession Yet? [03:09] What is an Inverted Yield Curve [06:28] Rolling Recession Explained [10:20] Sending and Credit Card Debt [12:04] Arguments Against a Recession [15:16] Talk of a Mild/No Recession at All [17:00] How Labor Typically Responds to...2023-07-1234 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL175 — Financial Confidence And Banking ExpertiseIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down two very important subjects in the investment world today - Financial Confidence and opportunities in the banking industry. They cover topics like contributors of financial stress, how to become financially confident, and the biggest opportunities in banks right now. [00:00] Introduction [01:01] What is Financial Confidence? [03:54] How Stressed Are You About Your Finances? [05:12] Contributors of Financial Stress [09:16] Do You Have Emergency Funds Stashed Off? [11:14] How Much Money Would Bring You Financial Comfort? [12:50] W...2023-07-0542 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL171 — Artificial Intelligence (AI) & The Banking Sector RevisitedIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down AI and the banking sector's impact on the economy. They cover topics like the AI boom versus the Dot Com bubble burst, job displacements caused by AI, and the type of banking stocks you should consider investing in. [00:00] Introduction [01:30] Is AI Worth All the Hype? [05:11] AI Burst Versus the Dot Com Bubble [07:20] AI's Impact on the Economy [11:55] What are Moving Averages? [13:50] Job Displacements and Opportunities with AI [15:40] Bubbles, Markets, and B...2023-06-0733 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL170 — Inflation Conundrum: Assessing the Economic LandscapeIn this episode of the Retirement Lifestyle Show, Erik Olson, Roshan Loungani, and Adrian Nicholson talk about inflation and if the battle with a sustained high-level of inflation has been won. They cover the signs of the good things to come, what the inflation numbers mean for the economy, and whether we’re done with rate hikes. [00:00] Introduction [01:19] The Inflation Battle [03:32] The Current State of Inflation and Who’s to Blame [07:55] What the Inflation Numbers Mean For the Economy [11:40] Labor Market, Wage Pressure and Inflation [14:45] Are We Done...2023-05-3125 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL169 — Banking Crisis Opportunities: Key Metrics for Smart DecisionsIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson explore the opportunities you can take advantage of in the banking crisis. They discuss what to look for, the type of banks you should consider investing in, and the risks associated with drastically depreciating stocks. [00:00] Introduction [03:15] Return on Equity and Why It's Important [07:41] Risk Assessment and Poor Management [09:15] What is Net Interest Income? [12:23] Net Interest Margins and the Profitability Ratio [15:43] The Capital Adequacy Ratio [20:02] Proper Time Management [22:45] Risks and Catching a...2023-05-1739 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL168 — The Debt Ceiling Crisis: What You Need to KnowIn this episode of the Retirement Lifestyle Show, Erik Olson, Roshan Loungani, and Adrian Nicholson break down the debt ceiling crisis in the US. They discuss how government debt should inform your investment decisions, the risks of the US Treasury not raising the debt ceiling, and what to expect in the coming months. [00:00] Introduction [02:20] What is the Debt Ceiling? [04:35] Risk of Not Raising the Debt Ceiling Fast Enough [08:50] Government Debt Vs. the Country’s GDP [11:50] The Time and Place for a Debt Conversation [15:56] What to Expect When the...2023-05-1026 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL166 — Stages of a bear market and where are we nowIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down the main stages of a Bear market. They discuss the characteristics of a Bear market, how to effectively navigate market downturns, and the only time you should consider buying during a bear market. [00:00] Introduction [02:13] The Distribution Phase [05:53] What Stage in the Bear Market Are We Currently In? [09:10] Positive Signals Before a Market Decline [10:55] Characteristics of the Confirmation Phase [14:12] Panic Selling and the Despair Phase [16:33] The Difference Between Investors and Traders...2023-04-2636 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL165 — 2023 Market and Economic UpdateIn this episode of the Retirement Lifestyle Show, Eric Olson, Roshan Loungani and Adrian Nicholson go through recent updates in employment numbers, inflation, and interest rates. They discuss what to expect from the current investment landscape and how investors can use this information to be prepared. [00:00] Introduction [02:31] News From the Bureau of Labor and Statistics [07:56] How High-Interest Rates Lower Money Supply [11:10] Relationship Between Inflation and Interest Rates [14:20] Recession Risk and Mixed Signals [16:22] How Markets Respond to Good News [21:18] Thoughts on a Possible Recession [25:21...2023-04-1956 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL163 — Longevity And Retirement Income PlanningIn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down a recent Andrew Welsch article titled: "Why Your Retirement Plan Should Include Ice Cream." They discuss the factors you must consider during retirement planning to guarantee a long and fulfilling retirement. [00:00] Introduction] [01:13] Why Your Retirement Plan Should Include Ice Cream [04:50] The Benefits of Auditing Your Retirement Plan [08:28] The 3 Phases You Need to Consider During Retirement Planning [13:43] How Technology is Shaping People's Retirement [17:37] How Inclusion Can Impact Your Retirement Plans [18:33] Do You...2023-04-0538 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL158 — 15 money milestonesToday on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down a recent Washington Post article that categorised common questions people have according to age. They cover retirement and financial planning topics including credit scores, when to get a credit card, when to pay off your mortgage, and ways savers can learn to spend during retirement. [00:00] Introduction [02:39] 20s - How Much to Put Into a Retirement Account [05:26] 20s - When to Get a Credit Card [07:51] Building a Cash Reserve and Thinking About Your First Home Purchase [12:30] 40s...2023-03-0248 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL157 — The Art of Long-Term Investing, Part 2: Key Business Factors to ConsiderToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson continue their discussion on the art of long-term investing - part 2. They break down the key features you must consider in a business before investing in it. [00:00] Introduction [03:01] Recap of the Art of Long-Term Investing Part 1 [04:57] The Benefits of Reviewing a Company's Business Model [07:08] Market Share and Room to Grow [12:07] Why You'd Want to Invest in a Company with a Sustainable Competitive Advantage [19:39] How to Conduct a Business Model Examination [23:33] You Must...2023-02-241h 15

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL156 — The Art of Long-Term Investing: Tips for Identifying Stocks to Hold ForeverToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson go through tips on researching stocks you can hold for the indefinite future. They break down Roshan's approach for researching, screening, and picking stocks for long-term investments and the amount of time it takes to identify such stocks. [00:00] Introduction [02:33] Screening and the First Step to Picking a Stock [05:26] Why Roshan Screens for Companies With a Billion Dollar Valuation [09:46] Sorting and Choosing the Type of Screens to Work with [12:50] Time Spent Versus Time Wasted Researching a Company 2023-02-161h 05

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL150 — Dividend Growth vs High Dividends Now?Today on the Retirement Lifestyle Show, Roshan Loungani and Eric Olson break down high yield versus dividend growth investing and which one might be right for you. They discuss what they are, how you can potentially use them in your portfolio, and even ways to get the best of both worlds. [00:00] Introduction [02:57] Dividend Growth Versus High-Yield Dividend Investing [04:58] When to Choose High Dividend Growth Investing [06:24] Common Criticisms of High-yield Dividend Investing [09:16] Payoffs From High-yield Investments [12:42] Performance Comparison From the Two Investment Strategies [16:22] The Role of...2023-01-0652 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL149 — 2022 Episode Year In ReviewToday on the Retirement Lifestyle Show, Roshan Loungani, Eric Olson, and Adrian Nicholson each share their top 3 podcast episodes for 2022. From engrossing interviews, nut companies impacting communities in Africa, to assessments of the investment markets, these episodes tell the story of 2022. [00:00] Introduction [03:07] Episode 126: Stopping Forced Labor in the Solar Panel Industry with Reginald Smith [05:20] Episode 123: Bullish or Bearish? [08:23] Episode 127: Covered Calls Explained [09:35] Episode 101: From Success to Significance with Sunshine Nut Company’s Donald Larson [12:06] The Inspiring Story of Sunshine Nuts [13:30] Episode 105: Modern Monetary Theory with Lu...2022-12-3035 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL142 — What history tells us about today’s economy and marketsToday on the Retirement Lifestyle Show, Roshan Loungani, Eric Olson, and Adrian Nicholson break down the latest edition of JP Morgan's Economic and Market Outlook. They discuss the current economic and investment landscape and how investors can use this information to make concrete investment decisions. [02:32] JP Morgan's Guide to market [03:55] Returns and Valuations by Style [06:55] Using Data and Valuations to Make Investment Decisions [08:26] Large Growth Versus Large Value [10:10] The Case For Long-term Value Investing [14:04] Growth Rates in the Economy [18:55] The Labor Market is a Bright...2022-11-101h 09

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL140 — 16 Financial Steps to Take before Year EndToday on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson go through strategies you can implement to refine your year-end financial plan, set goals for next year, and minimize taxes for this year. They discuss the benefits of planning for major life changes, tax loss harvesting, and the new kid in the block Qualified Charitable Distribution. [01:45] Year-end Planning [02:01] Time to Update Your Financial Plan [04:50] Planning for Major Life Changes [05:18] Reviewing Liabilities on Your Balance Sheet [09:54] Lending Money to the Companies and the Government [13:04] Assessing Asset Allocation...2022-10-2647 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL138 — Alternative investments—is there an opportunity in private marketsToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson assess whether it makes sense to invest in Alternative investments in the current economic environment. They also share some key takeaways from the 15th Arete Wealth Management Conference. [02:05] Introduction [05:00] What are Alternative Investments? [07:07] Are There Opportunities in the Alternative Investment Space? [08:52] The Problems With Illiquid Alternative Investments [10:27] Alternative Investing is Not For Everyone [14:05] How Interest Rates Affect Alternative Investment Options [15:58] Volatility and Risk of Alternative Investing [17:50] The Structure of Most...2022-10-1452 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL134 - Six Major Life Events And Your Financial PlanToday on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down the six major life events that could impact your financial plan. They talk about the pros and cons of inheriting assets, planning for an expected medical catastrophe, and things you should consider before buying a house. [03:07] Moving: Buying Versus Renting [06:46] Sometimes Renting Makes Sense [10:28] Leaving a Job - Willingly or Unwillingly [17:58] Losing Parents and Inheriting Their Assets [22:36] Family Composition and Relationships [28:30] Kid's Life Stages and Funding Education [33:05] Unexpected Health Changes and Associated...2022-09-1444 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL132 - How to improve investment performanceToday on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson discuss the benefits of being a disciplined investor. They break down the consequences of lacking investment discipline, the value of staying invested, and why you need to remove emotions from all your investment decisions. [01:30] A Disciplined Approach to Investing [04:26] Why You Must Avoid Emotional Investing [07:45] Benefits of Having a Strict Investment Strategy [11:30] Investment Flexibility and the Acceptance of Risk [14:56] How Your Goals Keep You Disciplined [18:56] The Consequences of Lacking Discipline When Investing [23:10] The Scary...2022-09-0243 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL130 - The Crypto Market Update with Jeremey EpsteinToday on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson talk to Jeremy Epstein, President of the Crypto Explorers Association and co-founder of the Crypto Explorers. Jeremy shares his take on the current crypto environment, why crypto investing is not for everyone, and the risk versus potential opportunities in cryptocurrencies right now. [02:13] A Look Back at the Crazy Year For Crypto [06:00] Will Crypto Bounce Back Or Has The Bubble Burst? [09:10] Stablecoins Explained [11:40] Jeremy’s Thoughts on Bitcoin’s Price Movements [14:35] Understanding the Crypto Boom-Burst Cycles [17:50] Crypto is N...2022-08-1948 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL114 - Best Password ManagerToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson break down some of the leading password managers and explain why it might be a good idea to have a password manager. They talk about the reasons why most people don't have a password manager, the risks of reusing similar passwords, and the best password managers for business or family use. [04:30] How to Hack-Proof Your Passwords [06:40] Top Brands in the Password Manager Space [10:23] The Best Password Managers For Businesses [12:00] Key Features of the Keeper Software Manager [13:15] W...2022-04-2742 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL113 - Investing when inflation runs hotToday on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down strategies investors can use to invest even when inflation is running hot. They talk about peak inflation, investment options during peak inflation, and the gold versus bitcoin debate during times of inflation. [02:55] What is Peak Inflation? [05:55] Inflation and What to Expect in 2022 [08:33] The Long-lasting Effects of Inflation [12:09] Central Bank's Target for the Fed Fund Rate [13:56] Investing in Treasury Inflation-Protected Securities [16:01] How to Buy Exchange Traded Funds [19:10] The Impact of Inflation on Commodities 2022-04-2043 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL106 – How does war impact the stock market?Today on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson talk about how the markets behave in response to wars and conflicts. They analyze market trends in response to the Ukraine-Russia conflict, fed policies during times of war, and why time horizons are crucial for investing during uncertain times. [04:10] How Conflicts and Wars Affect the Markets [08:10] The Markets Hate Uncertainty [10:27] How the Markets Respond Before, During, and After Wars [15:50] Why You Need to Know Your Investment Time Horizons [17:20] Fed Policies in Response to Wars [21:38] The Gold...2022-03-0334 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL105 – Modern Monetary Theory with Luigi Zingales and Bethany McLeanToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson debunk The Modern Monetary Theory (MMT) with Bethany McLean and Luigi Zingales, the hosts of the Capitalisn't Podcast. Bethany is Vanity Fair's contributing editor, while Luigi is a world-renowned economics professor. [03:50] Modern Monetary Theory Debunked [09:10] Printing Money and Inflation [11:06] Modern Monetary Theory in Japan [12:50] Luigi's Thoughts on Cryptocurrencies [14:20] How MMT is Being Implemented Today [17:30] MMT as the Ultimate Expression of Privilege [23:06] The Numbers That Highlight the Fiscal Dominance of the US 2022-02-241h 03

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL104 – How To Freeze Your CreditToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson dissect credit freezes and explain why they are among the most effective anti-fraud strategies available today. They go through the benefits of executing a credit freeze, the difference between a credit freeze and a fraud alert, and the downside to freezing your credit. [06:40] Backstory to Today's Topic of Discussion [11:24] What is a Credit Freeze? [14:40] How Credit Bureaus Handle Credit Freeze Requests [15:48] The Difference Between a Credit Freeze and a Fraud Alert [20:11] The Downsides to Freezing Your...2022-02-1633 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL103 – Battle of the Plans – Software EditionToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson use their complex financial planning software packages to analyze a hypothetical retirement plan. They go through capital market assumptions, the benefits of budgeting in retirement, and how life expectancy influences retirement spending. [04:39] The Tools and Assumptions Erik Used for His Retirement Planning [07:57] Client Profile for Our Hypothetical Financial Plan [10:50] Adjustments to a Hypothetical Retirement Plan [16:02] Adrian's Retirement Forecasts [18:50] Assumptions Versus Risk Tolerance [21:50] Capital Market Assumptions [26:24] Why You Need to Make Adjustments Throughout...2022-02-091h 06

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL102 – NFT: Non-Fungible Tokens ExplainedToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson break down NFTs and how they work. They explore the nuts and bolts that define NFTs, the business side, and the opportunities that NFTs present in the current economic landscape. [02:00] What are NFTs and Why are They So Important? [09:20] The Rise of NFT Communities [14:15] How to Buy NFTs [17:25] How NFT Marketplaces Operate [24:10] Non-Fungible Tokens: Bubble or the Future? [31:40] The NFT Pricing Model [35:13] How to Start Selling Your Own NFTs [39:45] The...2022-02-0249 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL101 – From Success to Significance with Sunshine Nut Co. Don LarsonToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk to Don Larson, Founder & CEO of the Sunshine Nut Company and author of The Sunshine Approach. They discuss the Sunshine Approach, the essence of having a sustainable social mission, self-reflection, and finding your life's purpose. [04:24] Getting to Know Donald Larson and His Journey to Africa [14:00] Self Reflection and Finding Your Purpose in Life [18:30] Passion and Faith-Fueled Adventure [20:50] The Sunshine Nut Company Backstory [30:50] A Transformational Approach to Uplifting Communities [35:11] Donald's Process for Labor-Intensive Factories 2022-01-261h 12

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL100 – Celebrating Episode 100Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson celebrate reaching 100 episodes by going through retirement topics they deem worthy of such an exciting milestone. The talk about the retail investor's biggest edge, the Metaverse, the financial finish line, and so much more. [08:00] The Individual Investor's Biggest Edge [16:35] Why Time is the Retail Investor's Biggest Edge [21:50] Why Do You Invest? [26:50] The Financial Finish Line [32:37] Generosity and How it Breaks Our Relationship with Money [37:30] A Special Shout Out to Previous Guests on the Retirement...2022-01-1959 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL097 – 2021 What A Year IndeedIn today’s episode of the Retirement Lifestyle Show, Roshan Loungani and Erik Olson review the major events that defined 2021. They go through the top stories that made headlines month-by-month and cover highlights such as the capitol riots, frenzied real estate markets, vaccine debates, the Afghanistan disaster, and so much more. [04:21] Capitol Riots, the GDP Decline, and Highlights from January [10:23] Texas Winter Storm and the Global Chip Shortage of February [13:31] March and the COVID19 Stimulus Package [16:40] The Afghanistan Withdrawal of April [19:50] High Inflation Rates and the Colonial Pipeline Ransomware At...2021-12-301h 02

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL096 – The Future of Crypto, with Jeremy EpsteinToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson dissect the world of cryptocurrencies with Jeremy Epstein, the Co-Chief Investment Officer at Crypto Futura Fund. They talk about how digital currencies are disrupting the global economy, the safety of cryptocurrencies, and the growth of the crypto custodian market. [01:50] Jeremy's Journey Into the World of Cryptocurrencies [03:24] How Cryptocurrencies are Disrupting the Global Economy [05:50] Global Cryptocurrency Regulations [07:50] The Worldwide Adoption of Digital Assets [12:00] Blockchains and the History of Money [18:40] Understanding the Different Types of Cryptocurrencies 2021-12-231h 04

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL095 – Will my bonds lose money? 23 IdeasToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson go through 23 bond alternatives you should know about. They talk about REIT, Cash, Structured Notes, TIPS, and Gold [04:01] The Essence of Having Bonds in Your Portfolio [10:05] The Long-term Equity Index Put [14:25] What is a REIT (Real Estate Investment Trust)? [20:16] Cash Versus Bonds [27:10] Structured Notes and Bonds That Don't Pay Interest [29:10] Inverse and Buffered ETFs [31:08] Negative Roll Yield [41:10] The Treasury Inflation-Protected Security [47:10] Arbitrage and Market-Neutral Strategies [49:50] Gold...2021-12-1659 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL094 – How to reallocate your assets in response to market cyclesToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about high-yield spreads as a macro indicator. They describe the high-yield spread environment, market turning points during the pandemic and reveal the best times to invest in bonds. [02:28] The High-yield Spread and Why It's Important [09:10] Practical Examples of High-yield Spread Implementation [10:40] Secondary Bond Market Activity [16:10] How to Calculate Bond Spread [20:00] Overheating Economy and Bonds [26:55] The Best Times to Invest in Bonds [32:35] Small-Cap Value and Missed Opportunities [35:30] Market Turning Points...2021-12-0857 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL093 – Can I Retire Now? The Right Spending Plan May Be The DifferenceToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson go through several dynamic retirement spending strategies. They break down the retirement spending smile, the guardrails approach and explain why most people are defined by their spending habits. [03:34] Dynamic Retirement Spending Strategies [06:02] The Retirement Spending Smile [13:50] Predicting Expenses During Retirement [16:30] Reasons Why You Need a Retirement Plan [19:30] The Guardrails Retirement Strategy [24:40] The Floor and Ceiling Approach to Retirement [37:10] The Three Common Types of Expenses During Retirement [41:58] Why Most People are...2021-12-011h 07

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL092 – Will The Housing Market Crash?Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about the current housing environment and whether we're in a housing bubble ready to burst. They explain how mortgage interest rates affect market prices, the Ninja Loan, and the regulatory constraints affecting the housing market. [04:40] Buying Conditions in the Housing Markets [11:29] How Mortgage Interest Rates Affect Market Prices [14:30] Are We in a Housing Bubble? [19:09] What is the Ninja Loan? [20:57] Understanding the Reverse Mortgage Amortization Loan [27:55] Housing Market Statistics 2021 [31:00] Regulatory Constraints Affecting...2021-11-2446 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL091 – Wellness during the Holidays with Jill Daniels MyersToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson welcome back Jill Daniels Myers, an integrative nutrition health and wellness coach. They talk about staying healthy during the holiday, mindful spending, and explain why health is more than just losing weight. [01:05] Why Preparing for the Holidays is Extremely Important [03:40] Tips for Staying Healthy During the Holiday Season [11:00] How and Why you Should Avoid Processed Sugar During the Holidays [19:50] A Mindful Approach to Spending During the Holidays [27:57] How to Handle the Social and Emotional Aspects of...2021-11-1750 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL090 – Understanding Value InvestingToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson analyze the past, present, and future performance of value stocks. They talk about the importance of value stocks, the value trap, and the performance comparison between value and growth stocks. [01:31] What are Value Stocks and Why are They so Important? [05:50] Defining Book Value [10:30] The Value Trap [15:31] Value Stocks Versus Growth Stocks Performance [20:00] Future Performance Comparison Between Value and Growth Stocks [21:51] Growth Minus Value in the Large, Mid, and Small-Cap Stocks [28:33] Did you...2021-11-1040 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL089 – Biden's Build Back Better tax and spending proposalToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson break down the current status of Biden's Build Back Better Agenda. They talk about the proposed corporate tax rate, billionaire's income tax, and how the plan will impact the lives of the everyday American. [01:13] Why Biden's Build Back Better Agenda is an Important Topic of Discussion [07:00] Status on Biden's Build Back Better Agenda [13:08] Core Messages from the Proposed Tax Plans [23:28] The Proposed Corporate Tax Rate [27:57] Spending Plans [37:40] What is the Stepped-Up Basis [44:22...2021-11-041h 01

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL088 – How to get ready for Medicare open enrollmentToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about Medicare's open enrollment. They go through the ten commonly asked questions about Medicare enrollment and how you can avoid the lifetime penalties of late enrollment. [02:35] Medicare Open Enrollment [03:01] When Should You Sign Up for Medicare? [06:50] The Medicare Late Enrollment Penalty [09:29] Can You Keep Your Doctor After Getting a Medicare Plan? [15:05] Medicare and Early or Late Retirement [18:10] COBRA and Medicare [21:30] How Much Does Medicare Cost? [24:43] What's Covered and What's...2021-10-2750 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL087 – What is technical analysisToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about technical analysis. They dissect the benefits of using technical analysis in your investment strategies, trend indicators, and the price momentum of a stock based on volume. [03:28] The History of Technical Analysis [08:10] Who is a Technical Analyst? [16:40] The Benefits of Combining Technical Analysis with Other Investment Strategies [18:40] The Moving Average Convergence and Divergence [20:04] Death Cross and Golden Cross [22:39] Finding Your Favorite Trend Indicator [25:08] Exit Signals in Technical Analysis [26:25] Is Te...2021-10-2137 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL086 – 20 Money moves to make before the end of the yearToday on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson go through actionable year-end financial planning strategies. They explain why the last quarter of the year is an excellent time to review your finances, the benefits of tax-loss harvesting, and how to spend money on your Flexible Spending Account. [04:01] End-of-year Financial Planning [08:44] Cancel Unwanted Subscriptions [14:27] It's a Good Time to Perform That Cash-flow Analysis [15:40] Analyze How your Portfolio is Performing [20:20] The Benefits of Tax-loss Harvesting [23:30] Spend Money in Your Flexible Savings Account [25:30] If You're 72...2021-10-1349 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL081 – Beyond Money: How To Build A Happier RetirementToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about side-hustles in retirement. They go through the exciting things people do in retirement, money-making activities for people in all stages of retirement, and the process of settling on retirement hobbies. [01:40] Adrian’s Hobbies and His Plans for Retirement [06:01] Creative Things People Do in Retirement [14:01] Erik, Adrian, and Roshan Go Through Some of the Exciting Things Their Clients Do While in Retirement [20:00] How Couples with Different Personalities Pursue Hobbies Together and Separately [21:10] Side-Hustles in Retirement...2021-09-0844 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL080 - Should You Use a Target Date Fund?Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about Target-Date Funds. They dissect the pros and cons of investing in target-date funds, what to look out for when choosing a fund, and glide paths. [02:40] What Are Target Date Funds? [06:00] Characteristics of Target-Date Funds [11:15] Industry Highs Versus Lows on Retirement Day [17:47] Cons of Investing in Target-Date Funds [25:00] The Home Product Bias and Sticky Assets [28:10] Performance and Asset Allocation for Target Date Funds [29:40] Morningstar's Target-Fund Ratings [35:01] When and When...2021-09-011h 03

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL078 - Best Places To Retire In The WorldToday on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson talk about what they look for in a place to retire in while Erik Olson shares why he chose to retire in Michigan. They discuss their must-haves, non-negotiables, and the possibility of retiring abroad. [04:37] Erik and Roshan in Searching for the Best Place to Retire [14:13] Drawbacks to Testing Out the Area [17:09] Erik’s Decision to Move [21:00] Different Angle on What to Look For [25:30] Countries to Retire In [31:00] Range of Cost of Living [34:03] Factors to Co...2021-08-1842 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL077 - Retirement Lifestyle: How much do Olympic athletes make?Today on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson talk about Olympic athletes and their finances. They expound on the countries that pay the most for Olympic gold, financial advice for Olympic athletes, and why financially literate people seem to maintain their wealth effortlessly. [04:50] Which Countries Pay the Most for Olympic Gold? [12:15] Financial Planning for Professional Olympic Athletes [26:40] Key Differences Between the Affluent and the Wealthy [31:05] Why Only the Financially Literate People can be Wealthy [37:35] Olympic Athletes who Have Unique Side-Hustles [38:30] Top Ten Richest Olympians 2021-08-1247 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL076 - Retirement Lifestyle: Million Dollar Portfolio — The Good, The Bad & The UglyToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson analyze the good, the bad, and the ugly of a million-dollar portfolio. They talk about the impact of inflation, diversification versus healthy growth, and the benefits of planning. [05:29] The $1 Million Portfolio [09:40] Efficiency and Performance of the $1 Million Portfolio [14:10] Volatility in Accumulation Versus Distribution [17:20] Average Rate of Return Versus Compound Average Growth Rate [20:10] Comparing the Best and the Worst Time Periods for the Portfolio [26:50] The Impact of Inflation on Pension Plans [30:01] Sector Breakdown...2021-08-041h 11

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL075 - Retirement Lifestyle: Lightning Round: 9 Financial Planning / Investing Questions AnsweredToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson answer some of the most common and intriguing listener and client questions. They dissect topics such as retirement withdrawal strategies, paying down debts versus investing, and the role of cash in your portfolio. [10:15] How to Plan your Retirement Withdrawal Strategy [16:30] How Important is it to have Cash on Hand? [19:40] Reasons why you Need a Financial Advisor [22:01] Inherited IRA Rules: Distribution and Beneficiaries [28:50] Converting a Traditional IRA to a Roth IRA [31:55] Why do People Invest...2021-07-281h 03

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL074 - Retirement Lifestyle: Impact Investing with Dignity Coconuts and Erik D. OlsonToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk to Erik Olson in the fourth installment of the value investing series. Erik is the president of Dignity Coconuts, a social enterprise that seeks to affirm dignity by ending poverty and slavery in the Philippines. They talk about modern-day slavery, the challenges of launching businesses in third-world countries, and the current state of socially responsible investing. [07:58] Fighting Sex Trafficking Through Coconut Oil [10:44] Creating Income-Generating Activities to Combat Trafficking [12:31] Coconut Oil Benefits, Nutrition, and Popular Uses [14:15] Erik's Journey...2021-07-211h 00

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL073 - Retirement Lifestyle: Growth vs. Value—Titanic Struggle or False Narrative?Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson dissect two distinct styles of investing: growth and value investing. They differentiate the two investing strategies, analyze their historical patterns, and explain which one is more suited to your portfolio. [08:20] Growth Versus Value Investing [14:05] Characteristics of Growth and Value Stocks [17:04] The Difference Between Price and Value [22:01] The Salad Oil Scandal [26:55] Cigar Butt Investing [33:50] Historical Analysis of Value and Growth Investing [35:58] Nifty Fifty Investing [39:20] Long Term Trends in Value and Growth...2021-07-141h 07

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL072 - Retirement Lifestyle: Tips for a Healthy Lifestyle from Integrative Nutrition Health Coach Jill MyersToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson welcome back Jill Myers, an Integrative Nutrition Health Coach. Jill's work focuses on highlighting and addressing overlooked health aspects to facilitate people's optimal health and well-being. They talk about healthy habits for a healthy retirement, why healthy living is cheaper long term, and facts about calories during weight loss. Jill can be reached at jill@yodayawellness.com. [03:02] Healthy Habits for a Healthy Retirement [05:45] Health and Wellness Advice for 20-Year-Olds [12:30] What does the CDC say about Obesity? [15:24] Myths and Fa...2021-07-071h 04

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL071 - Retirement Lifestyle: 9 foundational rules for financial successToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson get back to the basics of personal finance. They each share three proven fundamental principles and other practical tips that can impact your financial situation for the better. Personal Finance Principles: These tried and tested tips can improve your financial situation and help you have a happier and healthier relationship with money [06:03] Monitor Cash Inflow and Outflow [09:03] Save 20% of Your Earnings [15:35] The Four Uses of Money [21:09] Create Short and Long Term Goals [26:23] Avoid Credit Card Debt [27:59] Have a Good...2021-07-0258 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL070 - Retirement Lifestyle: Stock market bubble? - What you need to know.Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson dissect Ray Dalio's stock market bubble article. They analyze the low-interest-rate environment, the retail investor's role in the stock market, and the difference between risk tolerance and risk capacity. [05:49] Ray Dalio's Stock Market Bubble [11:43] Emerging Tech Stocks and the Stock Market Bubble [17:31] The Effects of Interest Rate Policies on Stock Market Bubbles [20:22] Valuation Models to Measure Bubble Level of Stock Prices [24:40] The Low-Interest Rate Environment [33:53] Understanding the Difference Between Risk Tolerance and Risk Capacity 2021-06-231h 02

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL069 - Retirement Lifestyle: The secrets of endowment-style investing revealedToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about the return potential and diversifying power of alternative investing. They explain the role alternative investing can play in a portfolio, the illiquid nature of these types of investments, and the risks versus rewards of endowment-style investing. [07:41] What are Alternative Investments? [15:17] Dissecting Non-Fungible Tokens [18:08] Real Estate as an Alternative Asset Class [25:20] Alternative Investment Options During a Pandemic [30:50] The Illiquid Nature of Alternative Investments [40:50] Assessing the Value of Alternative Investment Options [42:35] Market...2021-06-161h 07

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL068 - Retirement Lifestyle: Impact Investing BAM with Buddy RathmellToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson and Adrian Nicholson talk to Buddy Rathmell who is a coach and trainer for the Business as Mission (BAM) movement. Currently, he is in the process of launching BAM School with the goal of developing impactful disciple-leaders in business. He is also the host of the BAM School Podcast. Buddy shares the stories of successful BAM businesses and the opportunities, risks, and potential returns of investing in BAM companies. [03:55] Introducing Buddy Rathmell [07:03] Business as Mission Movement [10:28] How Buddy Got Involved with BAM [13:01] Impact Investing...2021-06-111h 02

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL067 - Retirement Lifestyle: Biden’s Tax Plan. Winners and Losers.On this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about the second phase of President Joe Biden's Build Back Better agenda: The American Jobs plan. They analyze how the project affects your investment portfolio, impacts on long-term capital gains, and propose tax strategies to lower your taxable income. [06:50] The Build Back Better Agenda [13:35] Analyzing the American Jobs Plan [15:10] Individual Income tax and Estate Taxes [24:49] How to Lower your Taxable Income [27:05] Impacts on Long-term Capital Gains and Qualified Dividends [31:54] The 10:31 Exchange...2021-06-041h 04

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL066 - Developing an Investment Philosophy—Examples from Our Journeys, Part 2On this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson present part two of the backstory behind their investment philosophies. They share how their expectations evolved after the 2008 financial collapse, the development of their investment strategies, and explain the cyclically adjusted price to earnings ratio. [10:40] Life After the Modern Portfolio Theory [15:47] The Value Investing Strategy [19:23] The Value Tracking Process [23:40] The Evolution of Behavioural Finance [27:25] The Cyclically Adjusted Price to Earnings Ratio [29:32] The Warren Buffett Indicator [33:40] Catching the Falling Knife 2021-05-261h 05

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL065 - Developing an Investment Philosophy—Examples from Our Journeys, Part 1Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson discuss the backstory behind their investment philosophies. They tackle modern portfolio theory, data-driven investing, and determining your investment personality. [06:15] Making Sense of your Investment Strategies [12:00] Pros and cons of diversifying your portfolio [16:50] The Buy and Hope Strategy [18:50] The Modern Portfolio Theory (MPT) [24:22] Why the Modern Portfolio Theory Fared in the '08 Crash [30:03] MPT as an Art [34:23] Data-Driven Investing [44:40] Modifying the Modern Portfolio Theory [50:34] Determining your Investing Personality 2021-05-1954 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL064 - Retirement Lifestyle: Tax-Efficient Investing, Part 2. What These 5 Client Cases Show About Tax-Smart Asset AllocationToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson continue their discussion on tax allocation by focusing on 5 client cases. They analyze proper asset allocation strategies, delaying social security, and the factor of life expectancy when planning for retirement. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.c...2021-05-141h 21

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL063 - Retirement Lifestyle: Tax-Efficient Investing, Part 1Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson address one of the least understood yet important principles of outsmarting the tax code-- tax allocation. They analyze the different tax brackets, the concept of asset allocation, and the tax-efficient investment strategy. [06:05] The Concept of Asset Allocation [10:24] It's Never too Late to Think About a Tax-Efficient Portfolio [15:31] Analyzing the Different Tax Brackets [19:54] Stocks Versus Mutual Funds [23:40] Differentiating a Tax-Deferred Account from a Tax-Free Account [26:30] How to Strategically Switch Through Different Tax Accounts [28:50...2021-05-0640 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL062 - Retirement Lifestyle: 7 Questions to Consider about Inflation and Your PortfolioOn this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson focus on one of the most talked-about financial topics right now: inflation. They analyze whether the Feds can control it, its effect on the average investor, and the role of price expectation in inflation. [06:34] Real-life Inflation Example [09:10] Defining Inflation [11:15] Dissecting Inflation from a Core Versus Headline Perspective [16:34] The M2 Money Velocity [26:00] Do you Need to Worry About Inflation? [34:30] The Role of Price Expectation in Inflation [44:50] Pros and Cons of Deficit...2021-04-301h 11

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL061 - Retirement Lifestyle: Values-Based Investing with Jason Myhre, Director of Advocacy, Eventide FundsToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson and Adrian Nicholson talk to Jason Myhre, managing partner and director of advocacy at Eventide about values-based investing: the misconceptions around it and practical strategies you can apply. [00:03:32] Investing that Makes the World Rejoice [00:07:18] How Jason Got into Values-based Investing [00:12:44] Avoid, Embrace, Engage [00:17:21] The Trend Towards Values-based Investing [00:19:43] Can I Profit from Values-based Investing? [00:23:25] Engaging a Business to Change its Practice [00:29:45] Pre-IPO Placement [00:37:05] How Secondary Markets Shape Businesses [00:42:51] Values-based Investments are Long Term Partnerships [00:49:22] Financial Advisors as Stewards...2021-04-221h 11

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL055 - Retirement Lifestyle Battle of the Plans III, Part 2—InvestmentsRoshan Loungani, Erik Olson, and Adrian Nicholson are back with the second installment of Battle of the Plans III, Part 2. They continue the discussion to see the different investment tactics a hypothetical couple can implement in their plan. In Part I, the hosts discussed optimal withdrawal strategies, the couple’s spending levels, and how they can manage the risk of long-term care. In this episode, Roshan and Erik examine the couple’s investment portfolio. They debate how best to balance managing volatility and seeking growth and how much cash the couple should hold in reserve. They also present the pote...2021-03-121h 04

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL053 - Retirement Lifestyle: Investing, Trading, SpeculatingOn this episode of the Retirement Lifestyle Show, Erik Olson and Adrian Nicholson talk about the distinction between investing, trading, and speculating, each strategy holding the potential to make your money work for you in the financial market. They discuss the time and risk elements of each and the overall results you can expect from each option. They also talk about ways to implement the strategies and help you understand the differences to prevent you from misapplying the selection and management principles of one strategy to another. These are lessons to help you in 2021 and beyond! Roshan c...2021-02-2443 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL052 - Retirement Lifestyle: 10 Cybersecurity Tactics to Wall Off Your DataOn this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson talk about cybersecurity and data protection. They discuss why it's essential to be safe online, tactics used by scammers to steal your information, and how to protect yourself from potential attacks. The good news is, there are simple steps that you can incorporate into the online space that will protect you from potential threats, and we're here to guide you throughout the process. [06:20] Cybersecurity and Data Protection [09:58] Creating Strong Passwords [12:01] Having Two-Step Verification Logins [14:50] Think Before You Act 2021-02-1744 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL051 - Retirement Lifestyle: Smart Education Planning For Children and GrandchildrenOn this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson and Adrian Nicholson talk about college funding. They discuss conventional and unconventional approaches to college funding, the upward trend of college tuition fees, and the cost-benefit considerations of a college education. The hosts also discuss the strengths and weaknesses of using 529 state plans, standard investment accounts, and Roth IRAs to finance college for your kids and grandkids. 01:21] The Varied Approaches to College Funding [06:40] The Tax Benefits of 529 Plans and Prepaid Tuition Plans [18:52] Standard Investment Accounts and Roth IRAs [27:26] UTMA...2021-02-1054 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL050 - Retirement Lifestyle: Crypto Wall Street: Bitcoin, Blockchain and CryptoOn this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about Blockchain, Cryptocurrencies, and how to incorporate them into your portfolio. They also dissect how heavily shorted retail stocks have been taking the market by storm lately, with individual investors clashing with big institutional investors. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: h...2021-02-031h 01

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL049 - Retirement Lifestyle: 12 Points From Biden's American Rescue Plan ExplainedOn this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about President Biden's proposed stimulus plan to help battle the virus and alleviate the economic toll it has taken. They also analyze the potential benefits, drawbacks, and feasibility of some of these proposed plans and how it affects you. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com 2021-01-281h 22

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL048 - Retirement Lifestyle: 2021 Economic and Market OutlookOn this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about the 2021 outlook on the market and the economy. They analyze the possible outcomes post-pandemic and explain why emerging markets are becoming popular among investors. They also discuss how consumers will affect the 2021 economy and look at the changes and opportunities present in the current market. Past performance is not indicative of future results. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. F...2021-01-211h 07

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL047 - Retirement Lifestyle: How To Win The Healthy Living War In 2021 With Jill MyersToday on the Retirement Lifestyle Show, Roshan Loungani and Erik Olson talk to Jill Myers, an integrative nutrition health coach. Jill’s work focuses on highlighting and addressing the aspects of our health that are often overlooked to facilitate the optimal health and wellbeing of her clients. Roshan and Erik talk to Jill about living a happy and healthy life, addressing behavioral factors that impede your physical health goals and how coaching can remove those impediments. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Erik can be reached at erik.ols...2021-01-081h 02

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL046 - Retirement Lifestyle: No Holds Barred Look at 2020On this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson review the highs and lows of the year. They discuss the different trends that made it to the headlines, the most searched terms, and effects of the pandemic on our social and financial wellbeing. The pandemic might have affected your normal way of living, but a new year is just around the corner. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Follow Us A...2020-12-3048 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL045 - Retirement Lifestyle: Navigating The Current Seller's Market In HousingOn this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson and Adrian Nicholson talk about the real estate market. They discuss whether it's a buyer’s vs. seller’s market as well as important data points and what you can do about it. Your home purchase is one of the biggest decisions you will ever make so planning it well and considering all the financial and personal factors can help you achieve a higher net worth and greater wealth along your way. Additionally, if you are looking at real estate as an investor, Roshan, Erik and Adrian prov...2020-12-2248 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL043 - Retirement Lifestyle: 7 Tax Secrets Of Smart GiversOn this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about charitable giving and how to get the best out of your philanthropic efforts. They discuss the different strategies that can help you receive the total tax benefits from your charitable giving. As a parting shot, they highlight the more significant benefits that come with charitable giving. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Follow Us At: Website: https://r...2020-12-111h 04

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL042 - Retirement Lifestyle: The Pros And Cons Of Working LongerToday on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson and Adrian Nicholson talk about timing your retirement. They weigh financial factors, social needs and personal goals and how they may impact when you choose to retire. These are lessons to help you in 2020 and beyond! Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://www.youtube.com/channel/UC0ZZPM3xk6...2020-12-0849 min

Retirement Lifestyle Show with Roshan Loungani and Adrian NicholsonRL041 - Retirement Lifestyle: 101 (Almost) Homerun Gift Ideas For KidsOn this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about gift ideas and gift planning for Christmas. They discuss presents for different age groups: children, teenagers, and adults. During the high impact life segment, they mention organizations and causes that you can give back to this holiday season. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com 2020-12-0257 min