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![Thoughts On Money [TOM]](https://podcdn.zencast.fm/download/Podcast%2Fartworks%2F3134%2Flarge%2F58bc5b2df18ca14a85d770f78757aff41555f6792317ed188395236a06b27ec7%2Fc70d8c0d6aa6b1b7.jpg)
Thoughts On Money [TOM]Are Your Market Expectations Realistic?This week's blogpost - https://bahnsen.co/4tQ4xaA
Trevor Cummings hosts the Thoughts of Money Podcast with article author Blaine Carver and Brett Bonecutter, discussing Carver’s piece “Stock Market Expectations.” Using examples from relationships, premarital counseling, and sports fandom, they emphasize that expectations must be communicated early, clearly, and realistically to avoid disappointment, resentment, and poor decisions. They connect this to investing by explaining how stocks can fall even on good results when expectations are “priced to perfection,” why unrealistic return targets (e.g., 20–25% annually) break financial plans, and how compounding magnifies small percentage differences.
00:00...
2026-02-2042 minThoughts On Money [TOM]Investment Du JourThis week's blogpost - https://bahnsen.co/3ZQiqYm
In this episode of the 'Thoughts So Money' podcast, host Trevor Cummings, joined by Blaine Carver and Brett Bonecutter, discusses the perils of fad investing, drawing comparisons with the long-term success of a grounded investment philosophy. The conversation explores various speculative trends, including cryptocurrency and gold, and emphasizes the importance of understanding the historical context and adhering to investment principles rooted in consistent cash flow and dividend growth. The team shares personal anecdotes and insights on why relying on speculative investments can be detrimental, while having a robust and...
2026-02-0651 minThoughts On Money [TOM]Five Home Financing HacksThis week's blogpost - https://bahnsen.co/4t4WLct
In this episode of the Thoughts and Money Podcast (TOM), host Trevor Cummings sits with Brett Bonecutter, author of the Thoughts and Money blog, to discuss practical mortgage insights. Brett shares five essential 'mortgage hacks' for navigating home loans and refinancing. The hacks include choosing the right lender, understanding rate quotes, and being cautious of flashy promotions. Brett emphasizes the importance of using a knowledgeable broker, exploring rate tables, and being aware of FICO score variations. This episode is designed to help listeners make informed decisions when buying...
2026-01-3044 minThoughts On Money [TOM]Small-Cap Stocks are on a Tear!This week's blogpost -
In this episode of the Thoughts and Money Podcast, hosted by Trevor Cummings, financial experts Blaine Carver and Brett Bonecutter delve into the recent performance of small cap stocks, specifically highlighting a 14-day streak of outperformance compared to large cap stocks. They discuss the difference between small cap and large cap stocks, the impact of interest rates on small companies, and the historical performance of small caps. Using analogies and practical examples, the hosts explain key concepts like market capitalization, risk and reward, and the importance of diversification. The episode underscores the necessity...
2026-01-2347 minThoughts On Money [TOM]Making Financial DecisionsThis week's blogpost - https://bahnsen.co/49AK0NH
In this episode of the Thoughts On Money Podcast, host Trevor Cummings, along with guests Blaine Carver and Brett Bonecutter, delve into the intricacies of making financial decisions. They explore the importance of challenging assumptions, understanding biases, and considering second-order effects when making seemingly simple financial choices, such as funding a 401k plan. The episode emphasizes the benefits of consulting financial advisors to navigate complex financial landscapes and highlights the need for a holistic approach to financial planning.
00:00 Welcome to the Thoughts On Money Podcast
2026-01-1640 minThoughts On Money [TOM]Book Review: “The Fourth Turning, An American Prophecy”This week's blogpost - https://bahnsen.co/4szAiUr
Decoding 'The Fourth Turning': Understanding Generational Cycles and Their Impact on Investment Philosophy
In this episode of the 'Thoughts on Money' Podcast, hosted by Trevor Cummings and featuring guest Brett Bonecutter, the duo delves into the book 'The Fourth Turning: An American Prophecy' by William Strauss and Neil Howe. They explore its generational theories and cyclical view of history, which posits that every 80-100 years, society undergoes a significant transformation. By breaking down the book’s framework and its predicted
00:00 Introduction and Host Welcome
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2026-01-0947 minThoughts On Money [TOM]You Need to Be BoredThis week's blogpost - https://bahnsen.co/48ZUDcG
The Importance of Embracing Boredom
In this episode of the Thoughts and Money Podcast, host Trevor Cummings and guest Blaine Carver discuss the insights from Blaine's recent blog article titled 'You Need to Be Bored.' They explore how constant stimulation from technology can detract from addressing meaningful, big-picture financial questions, and how creating moments of boredom can lead to better financial decisions. The conversation also covers the pitfalls of making impulsive investment decisions and highlights the importance of having a structured financial plan. Additionally, they touch...
2025-12-1941 minThoughts On Money [TOM]Looking for Wisdom in a World of Artificial IntelligenceThis week's blogpost - https://bahnsen.co/3XPJNko
Finding Wisdom in the Age of Artificial Intelligence: Navigating Investing, Emotions, and Technology
In this episode of the Thoughts and Money Podcast, host Trevor Cummings and co-host Blaine Carver delve into the implications of artificial intelligence on the stock market and broader economy. Cummings, who authored a blog post titled 'Looking for Wisdom in a World of Artificial Intelligence,' discusses the importance of emotional intelligence (EQ) over IQ in investing, sharing insights on avoiding emotionally driven bad decisions. The discussion covers the risks and rewards of...
2025-12-1230 minThoughts On Money [TOM]An Overview on Credit ScoresThis week's blogpost - https://bahnsen.co/48y6UVz
Understanding Credit Scores: A Personal Journey and Practical Advice
In this episode of the Thoughts on Money Podcast, host Trevor Cummings and guest Blaine Carver explore the intricacies of credit scores. Trevor shares a personal story about discovering the complexities of credit scores when purchasing a second home. The discussion covers the surprising statistic that the average age of first-time home buyers is now 40, up from 28 in 1991. The episode delves into the various factors that impact credit scores, including payment history, derogatory marks, credit age, total...
2025-12-0536 minThoughts On Money [TOM]Long-Term Care...Get It, or Forget It?This week's blogpost - https://bahnsen.co/47EvNQc
Navigating Long-Term Care: Get It or Forget It?
In this episode of the Thoughts and Money Podcast, hosts Trevor Cummings and Blaine Carver dive into the complexities of long-term care insurance. They discuss the increasing relevance of long-term care conversations among younger clients, especially those in their late forties and fifties. They explore the financial and emotional considerations of securing long-term care insurance, the impact of healthcare costs, and how these decisions affect a comprehensive financial plan. The episode also covers the evolution of long-term care policies...
2025-11-1437 minThoughts On Money [TOM]Purpose Driven Planning – End of Year ConversationsThis week's blogpost - https://bahnsen.co/48Xhibo
Mastering Year-End Financial Planning: Contributions, Tax Strategies, and Generosity
In this episode of the Thoughts on Money Podcast, hosts Trevor Cummings and Sean Ullrich dive into year-end financial planning strategies. They discuss the importance of being proactive with financial and tax planning as the year closes, including various Roth IRA strategies, tax planning measures, and charitable giving options. Trevor and Sean highlight the necessity of preparing for the end of the year well in advance to avoid bottlenecks and maximize benefits. Additionally, they emphasize proper portfolio management...
2025-10-3142 minThoughts On Money [TOM]Be a Tell-Me-More InvestorThis week's blogpost - https://bahnsen.co/3WlUXwC
Mastering the Art of Investing: The ‘Tell Me More’ Approach
In this episode of the Thoughts. So Money podcast, hosts Trevor Cummings and Blaine Carver dive into the critical topic of timeshares, using it as a springboard to discuss the importance of maintaining an inquisitive mindset in investing. They emphasize the value of asking more questions, understanding the difference between earnings growth and multiple expansions, and the necessity of being aware of portfolio concentration. The conversation also explores boom and bust cycles and how to avoid being caug...
2025-10-2444 minThoughts On Money [TOM]Three Unrelated Pieces of AdviceThis week's blogpost - https://bahnsen.co/48suqVy
Navigating Financial Strategies: Running Your Race, Taking Inventory, and Understanding Liquidity
In this episode of the Thoughts and Money Podcast (TOM), host Trevor Cummings discusses three timeless pieces of financial advice: 'Run Your Race,' 'Take Inventory,' and the 'Unappreciated Value of Liquidity.' Trevor shares his insights on focusing on individual financial goals, regularly reviewing and consolidating financial assets, and maintaining sufficient liquidity to manage unexpected financial needs. The discussion also highlights the importance of sticking with a chosen investment strategy, avoiding the pitfalls of...
2025-10-1738 minThoughts On Money [TOM]Abnormal ReturnsThis week's blogpost - https://bahnsen.co/3VMFchP
In this episode of 'Thoughts on Money Today,' Sean Latimer and Sean Ullrich discuss a recent article by Trevor and Blaine. They explore topics ranging from the Guinness Book of World Records to more serious financial concepts like abnormal returns, investing versus speculating, and the importance of a disciplined investment strategy. The hosts emphasize the significance of having a solid financial plan and understanding market cycles, especially as they relate to high-tech companies and the impact of AI. They also highlight the necessity of educating investors about realistic...
2025-10-0324 minThoughts On Money [TOM]Taxes & FeesThis week's blogpost - https://bahnsen.co/4mCBen4
Navigating Deal Breakers in Financial Planning: Taxes and Fees
In this episode of the Thoughts on Money podcast, hosts Trevor Cummings and Blaine Carver delve into the complex topics of taxes and fees within financial planning. Using a mix of personal anecdotes and professional experiences, they explore how deal breakers and stubbornness can negatively impact financial decisions. The discussion highlights the importance of considering multiple options, understanding tax implications, and weighing fees against potential benefits. They also emphasize that financial planning is a maze with multiple paths...
2025-09-2635 minThoughts On Money [TOM]Is Your Portfolio Keeping Up with Inflation?This week's blogpost - https://bahnsen.co/47RDUcM
Understanding Inflation: Beyond the Basics
In this episode of the Thoughts and Money Podcast, hosts Trevor Cummings and Blaine Carver delve into inflation, likening its effects to a treadmill, which constantly erodes purchasing power. Blaine shares insights from his recent Kansas City trip, using airport travelators as an analogy for inflation's constant presence. The discussion includes how inflation impacts investments, the importance of understanding real returns versus nominal returns, and effective strategies to combat inflation within portfolios. Trevor and Blaine also address common misconceptions about inflation, inflation's...
2025-09-1938 minThoughts On Money [TOM]A Picture is Worth a Thousand ChartsThis week's blogpost - https://bahnsen.co/3IlgSjU
Navigating Investment Risks and Market Volatility
In this episode of the 'Thoughts on Money' podcast, hosts Trevor Cummings and Blaine Carver discuss recent signs of investor hubris and market complacency. Triggered by a nostalgic 1999 photo during the tech bubble, they explore the dangers of risk-taking behavior in the current high-valued market environment. They emphasize the importance of being cautious, understanding the long-term investment strategy focused on dividend growth, and avoiding speculative investments. Through personal anecdotes and real-world examples, they highlight the necessity of a grounded financial plan...
2025-09-1236 minThoughts On Money [TOM]AI BSThis week's blogpost - https://bahnsen.co/3I6jBxC
Navigating AI in Financial Advice: Trust, Verification, and Pitfalls
In this episode of the 'Thoughts and Money Podcast,' hosts Trevor Cummings and Blaine Carver discuss the role of AI in financial advice, highlighting both its benefits and potential risks. They share humorous anecdotes about AI mistakes, such as a false story about Lionel Messi and Travis Kelsey, and emphasize the importance of critical thinking when using AI-generated information. The conversation evolves into a broader discussion on what constitutes good advice, stressing that quality advice should...
2025-09-0533 minThoughts On Money [TOM]Taylor Swift and Travis Kelce - Money and MarriageThis week's blogpost - https://bahnsen.co/45HoWV6
Navigating Finances and Marriage: Insights from The Thoughts on Money Podcast
In this episode of TOM podcast, hosts Trevor Cummings and Blaine Carver delve into an engaging discussion about the intersections of finances and marriage. They begin by debating a timely news topic: the engagement of Taylor Swift and Travis Kelsey. The conversation transitions to practical financial advice for couples, including the importance of merging accounts, setting financial 'red lines,' estate planning, and maintaining appropriate insurance coverage. They emphasize the significance of transparency, communication, and understanding...
2025-08-2947 minThoughts On Money [TOM]The Boys in the BoatThis week's blogpost - https://bahnsen.co/4fNsMPK
Financial Planning and Rowing: Lessons from 'Boys in the Boat'
In this episode of the Thoughts on Money Podcast, host Trevor Cummings and co-host Blaine Carver discuss financial planning through the lens of the movie 'Boys in the Boat'. They draw parallels between rowing and financial planning, emphasizing the importance of pacing, teamwork, and strategy. The episode delves into the role of a financial coach, the importance of adapting financial plans over time, and the value of dividend growth strategies. Listeners are encouraged to watch the movie...
2025-08-2237 minThoughts On Money [TOM]It's What You Know for Sure...This week's blogpost - https://bahnsen.co/3UueU3m
The Dangers of Overconfidence: From Electric Cars to Financial Markets
Host Trevor Cummings and guest Blaine Carver discuss the pitfalls of overconfidence in the latest episode of the Thoughts on Money Podcast. The episode begins with a humorous and humbling story about Trevor's electric car troubles, which he mistakenly attributes to a lightning storm. This sets the stage for a deeper conversation about the dangers of false confidence in various aspects of life, including financial investments, health, and everyday decisions. The hosts emphasize the importance of...
2025-08-1531 minThoughts On Money [TOM]The Stock Market and the CasinoThis week's blogpost - https://bahnsen.co/4mrbGcG
The Patience Premium: Distinguishing Stock Market Investments from Casino Bets
In this episode of The Thoughts On Money podcast, host Trevor Cummings and guest Blaine Carver delve into the common misconception that the stock market resembles a casino. They discuss Carver's recent article 'The Stock Market and the Casino,' highlighting key points such as the importance of having a long-term investment perspective, the role of setting proper expectations, and understanding risk premiums. They compare the consistent historical growth of the stock market to gambling odds, explaining...
2025-08-0840 minThoughts On Money [TOM]When Risk Isn’t What It Seems: Rethinking the Volatility ParadigmThis week's blogpost - https://bahnsen.co/3IOsn3v
Rethinking the Volatility Paradigm with Ishan Chhabra
In this episode of the Thoughts and Money Podcast, host Trevor Cummings and his colleague Blaine Carver welcome guest Ishan Chhabra to discuss his article, 'When Risk Isn't What it Seems.' They explore the traditional views of risk and volatility in finance, highlighting the differences between individual and institutional perspectives. The conversation delves into emotional biases, the importance of understanding one's own risk tolerance, and how financial advisors can help clients navigate these complexities. They also touch on...
2025-08-0151 minThoughts On Money [TOM]Write Off the Sunset: Planning Around the OBBBAThis week's blogpost - https://bahnsen.co/4m3JlJo
Navigating the New Tax Landscape with Matt Gregory
In this episode of the Thoughts and Money Podcast, host Trevor Cummings welcomes Matt Gregory, Director of Financial Planning at The Bahnsen Group, for his first appearance on the show. They explore the details and implications of a new tax bill—dubbed the One Big Beautiful Bill Act (O-B-B-B-A)—covering topics like charitable giving strategies, state and local tax (SALT) deductions, and Social Security taxation. The discussion also delves into above-the-line and below-the-line deductions, credits, and planning opportunities for...
2025-07-2542 minThoughts On Money [TOM]T.O.E. (Thoughts On Expenses)This week's blogpost - https://bahnsen.co/44SfyfP
Mastering Your Finances: The Importance of Understanding Expenses
In this episode of the 'Thoughts On Money' podcast hosted by Trevor Cummings and his colleague Blaine Carver, the duo delve into the intricacies of managing and understanding expenses. They emphasize the importance of recognizing different types of expenses, including small, big, recurring, and one-time expenses, and introduce a new category called collateral expenses. The discussion aims to provide listeners with practical insights on how to categorize their expenses effectively, understand their spending patterns, and ultimately strengthen their financial...
2025-07-1841 minThoughts On Money [TOM]Cautiously PessimisticThis week's blogpost - https://bahnsen.co/4nZl7Sv
Cautiously Pessimistic – Navigating Investment Expectations
In this episode of The Thought Somebody Podcast, host Trevor Cummings and guest Blaine Carver discuss Trevor's latest article titled 'Cautiously Pessimistic.' They explore the concept of cautious pessimism in finance, explaining how it contrasts with the common term 'cautiously optimistic' often used by financial pundits. Trevor and Blaine delve into the importance of setting reasonable investment expectations, emphasizing the significance of understanding the purpose of investment funds and developing grounded, historically-informed perspectives. They also caution against misplaced optimism and th...
2025-07-1150 minThoughts On Money [TOM]Why You Need to Understand DurationThis week's blogpost - https://bahnsen.co/4l4j6C2
Understanding Duration: Impact on Bond Investment Strategies
In this episode of the Thoughts on Money Podcast, Trevor Cummings and Blaine Carver delve into the concept of duration and its significance in bond investments. They discuss how duration affects bond prices in response to changes in interest rates and offer practical examples to illustrate. Additionally, they reflect on the different investment scenarios and strategies during 2020 and 2025, emphasizing the importance of adjusting investment strategies based on current interest rates and valuations. With insights on balancing risk and...
2025-06-1338 minThoughts On Money [TOM]Overwhelmed By OptionsThis week's blogpost - https://bahnsen.co/4kPiJLp
Understanding Options: Income Strategies and Market Mitigation
In this episode of the Thoughts and Money Podcast, hosts Trevor Cummings and Blaine Carver tackle the complex topics of investing in options, specifically covered calls and buying puts. Titled 'Overwhelmed by Options,' the discussion aims to shed light on these intricate investment strategies, explaining how they work, their potential benefits, and the significant downsides. Using analogies and examples, they stress the importance of understanding the long-term impact of these strategies on portfolio returns. Trevor and Blaine debunk some...
2025-06-0635 minThoughts On Money [TOM]Unforced ErrorsThis week's blogpost - https://bahnsen.co/4dKakXs
Avoiding Unforced Errors in Your Financial Plan
In this episode of the Thoughts on Money Podcast, hosts Trevor Cummings and Blaine Carver discuss the importance of avoiding unforced errors in various aspects of financial planning. The conversation delves into common mistakes such as concentrated stock positions, market timing, overlooked tax planning opportunities, and inefficient estate planning. The hosts emphasize the need for patience, proper insurance coverage, and the wisdom of consulting expert advisors. They conclude by stressing the significance of understanding one’s financial behavior to mitigate ri...
2025-05-3047 minThoughts On Money [TOM]Compounding GrowthThis week's blogpost - https://bahnsen.co/43FUXf8
The Power of Compounding Growth: Basics, Beliefs, and Strategies
In this episode of the Thoughts on Money Podcast (TOM), host Trevor Cummings and guest Blaine Carver discuss the importance and impact of compounding growth. Trevor shares insights from his recent article titled 'Compounding Growth,' inspired by real-life client interactions and the common disbelief about the power of compounding. They elaborate on the concept through various examples and parables, including the famous rice and chessboard story and the 'Would You Rather' riddle. The episode also emphasizes the...
2025-05-2338 minThoughts On Money [TOM]Nobody Knows EverythingThis week's blogpost - https://bahnsen.co/43vNFui
Nobody Knows Everything: Navigating Financial Expertise and Collaboration
In this episode of the Thoughts of Money Podcast, hosts Trevor Cummings and Blaine Carver delve into Trevor's recent blog article titled 'Nobody Knows Everything.' The discussion revolves around the importance of acknowledging the limits of one's knowledge and leveraging expertise through collaboration, particularly in the context of financial planning. They touch on topics such as the transition from the Information Age to the Curation Age, the division of labor, and the use of subject matter experts. They...
2025-05-1637 minThoughts On Money [TOM]Surplus, Steady, and Sinking – Three Types of RetirementThis week's blogpost - https://bahnsen.co/4keLRM3
In this episode of the Thoughts and Money Podcast ('Tom'), host Trevor Cummings and co-host Blaine Carver break down financial planning into three distinctive categories: surplus, steady, and sinking. They discuss how most Americans fit into these categories based on their spending and saving habits. The conversation covers the pros and cons of each financial trajectory, the psychological impacts, and the importance of understanding one's financial status for better planning. Listeners are encouraged to diagnose their financial category with their advisor and explore the risks and opportunities associated with...
2025-05-0936 minThoughts On Money [TOM]Why Dividend Growth?This week's blogpost - https://bahnsen.co/3YWQUs6
The Case for Dividend Growth: Insights from the Thoughts and Money Podcast
In this episode of the Thoughts and Money Podcast, host Trevor Cummings and colleague Blaine Carver delve into the subject of dividend growth investing. They discuss common questions from clients about why more people don't adopt dividend growth strategies and how these strategies differ from others touted as the best. Trevor shares his personal journey of becoming a dividend growth advocate, emphasizing the importance of 'eating your own cooking'—investing in the same strategies recommended to...
2025-05-0238 minThoughts On Money [TOM]Surviving These MarketsThis week's blogpost - https://bahnsen.co/4jqFLrZ
Thriving Amid Market Volatility: Insights and Strategies
In this episode of the Thoughts and Money Podcast (Tom), host Trevor Cummings and guest Blaine Carver discuss strategies for navigating challenging market conditions. They reflect on the importance of empathy, encouragement, and truth in guiding clients through market downturns. Trevor recounts his recent trip to Dallas amidst stormy weather and both delve into the impacts of high-frequency trading and headline-induced anxiety. They emphasize the significance of staying invested despite fluctuations and stress the necessity of maintaining a strong advisor-client...
2025-04-2526 minThoughts On Money [TOM]Go-Go, Slow-Go, and No-Go YearsThis week's blogpost - https://bahnsen.co/4lCcyvy
The Stages of Retirement: Strategies for Go-Go, Slow-Go, and No-Go Years
In this episode of the Thoughts on Money Podcast, host Trevor Cummings and guest Blaine Carver discuss financial planning for retirement, breaking it down into the 'go-go,' 'slow-go,' and 'no-go' years. They explore how spending patterns and needs change throughout each phase and stress the importance of flexibility in financial planning. Topics covered include the spending smile, asset allocation, social security strategies, and the significance of tax optimization. The episode emphasizes personalized planning and...
2025-04-1831 minThoughts On Money [TOM]For Simplicity’s SakeThis week's blogpost - https://bahnsen.co/4l9W0e1
The Power of Simplicity in Financial Planning
In this episode of the Thoughts on Money Podcast, hosts Trevor Cummings and Blaine Carver discuss the principle of keeping financial strategies simple, centered around the concept of Occam's Razor. They contrast this with the overly complex methods similar to Rube Goldberg's inventions and stress the importance of embracing simplicity in investing. Key areas covered include the problems with market timing, the benefits of dividend growth investing, the importance of understanding one's investment strategy, and the necessity of...
2025-04-0429 minThoughts On Money [TOM]The Prodigal SonThis week's blogpost - https://bahnsen.co/4hTqXjQ
Practical Financial Advice: Preparing Your Heirs for Wealth
In this episode of the Thoughts on Money Podcast, hosts Trevor Cummings and Blaine Carver discuss the importance of practical application in personal finance. They emphasize the difference between theoretical finance and practical advice, particularly when it comes to managing windfalls and preparing heirs for inheritance. Using examples like the Parable of the Prodigal Son and real-life cases of lottery winners and athletes, Trevor and Blaine highlight the dangers of unmanaged windfalls. They delve into practical strategies for gifting...
2025-03-2833 minThoughts On Money [TOM]Mind the GapThis week's blogpost - https://bahnsen.co/41LZ33h
Mind the Gap: Navigating Investor Psychology and Financial Planning
In this episode of the 'Thoughts of Money' podcast, host Trevor Cummings is joined by Blaine Carver to discuss the concept of 'Mind the Gap' in financial planning. They explore how understanding the gap between asset growth and expenses is crucial for long-term financial health. The conversation covers the importance of withdrawal rates, the limitations of traditional financial advice, and the benefits of expense-based planning. The hosts also emphasize the need for safety nets and a well-diversified...
2025-03-2126 minThoughts On Money [TOM]Taking Inventory of Your CashThis week's blogpost - https://bahnsen.co/4iNZBwe
Taking Inventory of Your Cash: Balancing Security and Growth
In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings delves into the concept of taking inventory of your cash. Discussing the 'squirrel principle' and the psychology behind holding large amounts of cash, Trevor explores the pros and cons of cash in managing near-term and emergency expenses versus its long-term disadvantages in the fight against inflation. He offers practical advice on creating a layered strategy for cash allocation, balancing immediate liquidity, and long-term financial security...
2025-03-1421 minThoughts On Money [TOM]Answering Your Questions - Part 4This week's blogpost - https://bahnsen.co/4iaAOD0
Financial Wisdom, Tools, and Advice: Answering Your Questions
In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings, joined by guest Darren Lightfoot, wraps up the mini-series on answering listener questions. They dive deep into topics like financial book recommendations for youth, the importance of behavioral finance foundations from sources like Proverbs and modern literature, and share their most crucial pieces of financial advice for young people. They also discuss budgeting tools and the importance of tracking spending for financial awareness, mentioning various tools...
2025-03-0726 minThoughts On Money [TOM]Answering Your Questions - Part 3This week's blogpost - https://bahnsen.co/3XjyQYt
Exploring Taxes and Principal Withdrawal in Retirement: Listener Questions Answered
In this episode of the Thoughts of Money podcast, hosts Trevor Cummings and Blaine Carver delve into listener questions about managing taxes and withdrawing principal in retirement. The discussion touches on common tax misconceptions, the impact of interest rates on tax bills, and strategies for achieving tax efficiency. They also explore the psychological and practical considerations of withdrawing dividends and interest versus dipping into principal, urging listeners to balance financial prudence with enjoying life. The hosts emphasize...
2025-02-2826 minThoughts On Money [TOM]Answering Your Questions - Part 2This week's blogpost - https://bahnsen.co/3QACWaF
Thoughts on Money: The Benefits of Giving and Investment Strategies
In this episode of the Thoughts on Money podcast, Trevor Cummings and co-host Blaine delve into several thought-provoking financial topics. They discuss the advantages of giving wealth during one's lifetime versus bequeathing it after death, highlighting both qualitative and quantitative benefits. The hosts also explore the current trend of investing in U.S. Treasury bills instead of the stock market, offering insights into why it might not always be a sound strategy. Lastly, they tackle the common...
2025-02-2134 minThoughts On Money [TOM]Answering Your Questions - Part 1This week's blogpost - https://bahnsen.co/3Qk01hU
Answering Your Financial Questions: Annuities, Social Security, and Roth vs. Traditional IRAs
In this episode of the Thoughts on Money Podcast, Trevor Cummings and Blaine Carver discuss various financial topics including annuities, the best time to claim Social Security benefits, and whether to fund a Roth or traditional IRA. Trevor emphasizes the importance of identifying the risks annuities mitigate, such as longevity and emotional risk. They delve into the breakeven points for claiming Social Security and the preference of positive cash flow in retirement. The conversation...
2025-02-1441 minThoughts On Money [TOM]Should I Own Bonds?This week's blogpost - https://bahnsen.co/40Ph7J9
Bonds Explained: Understanding Their Role and Importance in Investment Portfolios
In this episode of the Thoughts on Money podcast, host Trevor Cummings is joined by guest and colleague Blaine Carver. They discuss bonds, distinguishing between stocks and bonds, and explaining the foundational concepts of owning and loaning money. The conversation delves into government bonds, interest rates, and their impact on personal finance. Blaine articulates the historical and economic contexts influencing bond prices, particularly during recent years, and differentiates between 'boring bonds' and 'credit.' They discuss...
2025-02-0735 minThoughts On Money [TOM]Oversold & UnderservedThis week's blogpost - https://bahnsen.co/3Ekku3k
Guiding Financial Futures with Purpose: A Conversation with Josh Klooz
In this episode of the Thoughts on Money (TOM) Podcast, hosted by Trevor Cummings, special guest Josh Klooz shares his journey from serving in the military to entering the finance industry, emphasizing the importance of trust and personal connection in financial advising. They discuss the pitfalls of marketing in the financial industry, the necessity of caring for clients beyond temporary fixes, and the ongoing pursuit to enhance service offerings at The Bahnsen Group. They touch on...
2025-01-3130 min
The Life Legacy PodcastFaith in Action: Transforming Challenges into Purpose | Trevor Farnes | Ep. 22In Episode 22 of The Life Legacy Podcast, we sit down with Trevor Farnes, co-founder of MTN OPS, to discuss the power of faith, perseverance, and purpose. Trevor opens up about the challenges he faced in building a company that empowers others and the values that guide his life and work. From his journey as an entrepreneur to his dedication to community service, Trevor shares profound insights on aligning personal growth with a higher calling. Whether it’s about leadership, faith, or creating positive change, Trevor’s story will inspire you to rise above challenges and live with intention.
2025-01-291h 10Thoughts On Money [TOM]Prepare for the WorstThis week's blogpost - https://bahnsen.co/3DZvaUY
Preparing for Unexpected Disasters: Financial Planning Essentials
In this episode of the Thoughts on Money podcast, host Trevor Cummings is joined by Sean Latimer to discuss the importance of financial preparedness in the wake of natural disasters, specifically focusing on the recent devastating fires in Southern California. They share personal experiences, emphasize the importance of thorough insurance reviews, maintaining an inventory of home items, and creating a comprehensive 'financial go-bag.' They also offer actionable advice on ensuring adequate replacement costs and properly documenting valuables to aid...
2025-01-1722 minThoughts On Money [TOM]Simple Advice to Start out the New YearThis week's blogpost - https://bahnsen.co/40dvKFY
Consolidation Over Resolutions: Simplifying Your Finances for a Healthier Financial Future
In this New Year episode of the Thoughts on Money (TOM) podcast, host Trevor and guest Blaine Carver discuss the pitfalls of multiple financial accounts and the importance of consolidation. Through personal anecdotes and practical insights, they highlight the challenges of managing numerous banking relationships, the complications for estate planning, and the inefficiencies in financial tracking. They also touch upon the impact of sports rule changes, making metaphors to illustrate their points about financial tidiness. The...
2025-01-1025 minThoughts On Money [TOM]The Heart of Financial AdviceThis week's blogpost - https://bahnsen.co/41GZwW0
The Heart of Financial Advice: Insider Insights from the Thoughts on Money Podcast
In this episode of the Thoughts on Money podcast, host Trevor Cummings is joined by Blaine Carver, author of the Thoughts on Money blog. They reflect on the year 2024 and discuss Blaine’s recent article, 'The Heart of Financial Advice.' The conversation delves into their personal journeys in the financial advice industry and the evolution of their roles from analysts to advisors emphasizing human psychology in financial planning. They also highlight the importance of...
2024-12-2033 minThoughts On Money [TOM]Understanding Average ReturnsThis week's blogpost - https://bahnsen.co/3ZA5XY7
Setting Realistic Expectations in an Exceptional Market Year
In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings discusses financial expectations with his guest, Blaine Carver. They reflect on memorable personal experiences from sports events and how these relate to setting realistic expectations in investing. They emphasize the importance of understanding average returns, the atypical nature of recent market performance, and the necessity of calibrating expectations to avoid disappointment. They also stress the value of long-term investment strategies and prudent financial planning, touching...
2024-12-1330 minThoughts On Money [TOM]The Official End of Year ChecklistThis week's blogpost -
End-of-Year Financial Planning with Special Guest Darren Lightfoot
In this episode of the Thoughts on Money Podcast, host Trevor Cummings welcomes special guest Darren Lightfoot to discuss end-of-year financial planning. The episode covers a range of practical topics including creating a checklist for year-end, the importance of making contributions, distributions, and donations before the year closes, and strategies for tax-efficient giving. Darren shares his personal experiences and insights from his transition from operations to the planning team at The Bahnsen Group. The conversation also delves into the importance of tracking expenses...
2024-12-0629 minThoughts On Money [TOM]Future Stock Returns - RevisitedThis week's blogpost - https://bahnsen.co/4i45vK6
Strategic Moves for a High Valuation Market
In this episode of the Thoughts on Money Podcast, host Trevor Cummings joins colleagues Sean Latimer and Sean Ullrich to discuss the implications of future stock market returns predicted by a Goldman Sachs article. They revisit the topic to offer actionable advice for clients concerned about high market valuations. Key points include the importance of understanding valuations, the risks of market timing, and practical strategies like deleveraging, raising cash for future expenses, averaging new investments, and rebalancing portfolios. They...
2024-11-2237 minThoughts On Money [TOM]The Secret to Financial SerenityThis week's blogpost - https://bahnsen.co/3UT2L8u
The Secret to Financial Serenity: Confidence and Strategy
Join Trevor Cummings and today's author Blaine Carver as they explore the core elements of financial confidence in this engaging episode of 'Thoughts on Money.' They discuss Blaine's latest blog article, 'The Secret to Financial Serenity,' delving into the psychology of money, the importance of financial planning, and how to manage investments. They share personal anecdotes, including Trevor's experience with his son's first steps and the impact of childhood on financial attitudes. The podcast also...
2024-11-1533 minThoughts On Money [TOM]Saving on TaxesThis week's blogpost - https://bahnsen.co/3CgKBaB
Saving on Taxes: The Power and Pitfalls of Roth Conversions
In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings and guest Blaine Carver dive into strategies for saving on taxes, focusing particularly on Roth conversions. They discuss the often misunderstood benefits of converting retirement accounts into Roth IRAs, where taxes are paid upfront but future growth is tax-free. The episode explores the historical shift from pensions to 401(k) plans, the nuances of tax planning, and the concept of 'tax diversification.' Through personal...
2024-11-0732 minThoughts On Money [TOM]Returns Over the Next 10 YearsThis week's blogpost - https://bahnsen.co/4f8lpS0
Predicting the Next Decade's Market Returns: An In-Depth Analysis
In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings, along with Blaine and Sean, delve into the topic of future market returns, discussing insights from a recent Goldman Sachs research paper predicting stock market returns of around 3% annually over the next 10 years. The discussion covers the implications of high valuations, potential economic catalysts, and diverging opinions within the finance community. The hosts also explore the importance of diversification and dividends as key strategies...
2024-11-0133 minThoughts On Money [TOM]Can You Afford It?This week's blogpost - https://bahnsen.co/3NrWc90
Transforming Financial Mindsets: From Planning to Legacy
In this multifaceted episode of the 'Thoughts on Money' podcast, hosts Trevor Cummings and Blaine Carver delve into various aspects of financial decision-making and planning. They discuss Trevor's blog article 'Can You Afford It?' and debate the merits of financial stretching in contexts like real estate and insurance, taking into account different life stages. The conversation reframes the question 'Can I afford it?' to 'Should I afford it?' and explores the saver-spender paradigm. The hosts introduce 'dreamstorming...
2024-10-1837 minThoughts On Money [TOM]Don't Believe the LiesThis week's blogpost - https://bahnsen.co/4h3n4cK
Navigating Half Truths in Finance and Life
In this episode of the Thoughts on Money Podcast, host Trevor Cummings, along with co-host Sean Latimer, discusses the complexities of handling half truths in financial decisions and personal life. The conversation navigates through the challenges Trevor faced preparing sermons, particularly on the tough topic of unforgiveness, drawing parallels to financial advisory. They explore how misleading half truths can be detrimental, especially concerning investment terminologies like 'growth' and 'value' stocks, and the common misperceptions regarding political impacts on...
2024-10-1135 minThoughts On Money [TOM]The Line and The Circle – Spending in RetirementThis week's blogpost - https://bahnsen.co/4ePs5nr
Reprogramming Financial Mindsets: From Earning to Spending
This episode of the 'Thoughts on Money' podcast features Blaine Carver, Sean Latimer, and Trevor discussing the need to reprogram financial mindsets, particularly as one transitions from earning a steady income to spending in retirement. The conversation highlights common misconceptions, such as the belief in maintaining lifelong spending habits, the influence of personal anecdotes related to sports, and the challenges faced in advising clients to spend more versus saving excessively. The hosts discuss creating robust financial plans that go...
2024-10-0431 minThoughts On Money [TOM]Eating ElephantsThis week's blogpost - https://bahnsen.co/4gJS8OT
Navigating Big Decisions: Frameworks for Financial Planning
In this episode of the Thoughts on Money podcast, host Trevor Cummings, along with Sean Latimer and Blaine Carver, discusses strategies for tackling big life decisions and financial planning. They explore the concept of breaking down overwhelming tasks into manageable steps, using a humorous anecdote about choosing schools for their children and buying a conversion van. The conversation delves into the importance of having a decision-making framework, the paradox of choice, and the key pillars of selecting a financial...
2024-09-2741 minThoughts On Money [TOM]You've Got to Be Kidding MeThis week's blogpost - https://bahnsen.co/3Xw16Gr
Navigating Financial Media Hype and Sensationalism
In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings, along with Sean Latimer and Blaine Carver, delve into the impact of sensationalism in financial media. They discuss a particular article titled 'You've Got to be Kidding Me,' examining why sensational headlines attract more reader engagement. The conversation covers topics such as market volatility, the unpredictability of stock movements, and the dangers of reacting to short-term market trends. They also emphasize the importance of long-term investing...
2024-09-2035 minThoughts On Money [TOM]Dollar-Cost-AveragingThis week's blogpost - https://bahnsen.co/4d9Z1FY
Mastering Dollar Cost Averaging: Soccer Strategies for Smarter Investments
In this episode of the Thoughts on Money Podcast, hosts Trevor Cummings and Blaine Carver discuss the importance of dollar cost averaging (DCA) as an investment strategy. Blaine shares an engaging analogy comparing DCA to soccer strategies, specifically the buildup approach and counterattack method, which helps simplify the concept for listeners. The conversation covers the benefits of DCA, addressing market volatility, and how it can help hesitant investors commit to a systematic investment process. The episode...
2024-09-1333 minThoughts On Money [TOM]What To Expect When You're ExpectingThis week's blogpost - https://bahnsen.co/47bXUEB
The Power of Expectations in Life, Finance, and Happiness
In this episode of the Thoughts on Money (Tom) podcast, hosted by Trevor Cummings with guests Blaine Carver and Sean Latimer, the focus is on Trevor's article titled 'What to Expect When You're Expecting.' The discussion explores the impact of expectations on various aspects of life, including relationships, happiness, and investments. They delve into how expectations can shape experiences, using examples from personal anecdotes and the stock market. The conversation also touches on the importance of understanding...
2024-09-0629 minThoughts On Money [TOM]Playing with House MoneyThis week's blogpost - https://bahnsen.co/3Z6Nowf
Understanding the Power of Compounding and Legacy Planning
In this episode of the Thoughts of Money (TOM) podcast, hosts Trevor Cummings and Blaine Carver discuss the concept of 'playing with house money' and how it relates to investing and compounding interest. They explain the importance of understanding compounding returns, providing visual analogies like a rolling basketball or snowball to illustrate the accelerating growth over time. The episode also delves into legacy planning, stressing the need for intentional decisions about how accumulated wealth will be used or...
2024-08-3025 minThoughts On Money [TOM]Financial MilestonesThis week's blogpost - https://bahnsen.co/3MidbtW
Navigating Financial Milestones: From Youth to Golden Years
In this episode of the Thoughts on Money Podcast, host Trevor Cummings and guests Blaine Carver and Sean Latimer discuss Blaine's article on financial milestones. The group humorously reflects on age-specific privileges and responsibilities that influence financial decisions. Covering milestones from childhood to retirement, they delve into the importance of starting investment accounts for minors, the benefits of different savings strategies, the significance of life and disability insurance, and tax planning. They also explore Roth conversions, estate planning, and...
2024-08-2344 minThoughts On Money [TOM]Opportunity CostsThis week's blogpost - https://bahnsen.co/3M8Yj0S
T-Bill and Chill vs. Market Returns: A Game Film Analysis
In this episode of the Thoughts on Money Podcast, the hosts Trevor Cummings, Sean Latimer, and Blaine Carver discuss the 'T Bill and Chill' investment strategy and its opportunity costs over the past two years compared to the stock market's performance. They draw parallels between reviewing investment game film and analyzing critical decisions in NFL football, notably the Seattle Seahawks' controversial play in the 2015 Super Bowl. The hosts argue for having a structured investment framework...
2024-08-1635 minThoughts On Money [TOM]Personal Finance 101This week's blogpost - https://bahnsen.co/3YzxRos
Personal Finance 101: Building a Strong Financial Framework
In this episode of the Thoughts on Money podcast, host Trevor Cummings and co-host Blaine Carver dive into the basics of personal finance. The discussion centers around simplifying financial concepts and creating a solid framework for managing money, covering topics such as giving, saving, spending, and planning for the future. Trevor shares practical advice, anecdotes, and book recommendations to help listeners navigate their financial journeys. The episode emphasizes the importance of awareness, setting achievable goals, and considering long-term legacy planning.
2024-08-0939 minThoughts On Money [TOM]Next to GodlinessThis week's blogpost - https://bahnsen.co/46y1Y1F
Cleanliness in Finances: The Secret to a Tidy Portfolio
In this episode of the Thoughts on Money Podcast, hosts Trevor Cummings and Sean Latimer discuss the importance of cleanliness and organization, both in day-to-day life and financial portfolios. They share personal stories and insights on chores and parenting, discussing how these lessons apply to maintaining a clean and efficient investment strategy. The episode emphasizes avoiding 'trinkets' in portfolios, the false sense of diversification, and ensuring every investment has a purpose. Tune in for a blend...
2024-08-0228 minThoughts On Money [TOM]Who's the Boss?This week's blogpost - https://bahnsen.co/3Yf7XGt
Who's the Boss: Mastering Self-Control in Life and Investing
In this episode of the Thoughts on Money podcast, hosted by Trevor Cummings along with Sean Latimer and Blaine Carver, the trio dives into the importance of self-control and awareness in various aspects of life, including dieting, parenting, and investing. They explore how external influences like cravings, emotions, and even hunger can impact decision-making. Drawing from personal anecdotes and references to popular culture, including Batman and the fable of Hansel and Gretel, the hosts stress the significance...
2024-07-2630 minThoughts On Money [TOM]Knowledge is PowerThis week's blogpost - https://bahnsen.co/3S8texp
Power of Great Teachers: Insights from the Thoughts on Money Podcast
In this episode of the Thoughts on Money (Tom) podcast, hosted by Trevor Cummings, along with Sean Latimer and Blaine Carver, they explore the crucial role of great teachers in personal and financial life. The discussion centers around distinguishing great teachers from ordinary ones and stresses the importance of having influential mentors. The episode also touches on the attributes of effective teachers, such as conviction, flexibility, curiosity, and the ability to simplify complex ideas. The...
2024-07-1936 minThoughts On Money [TOM]A Feature, Not a BugThis week's blogpost - https://bahnsen.co/3zpcXxW
Embracing Volatility: Lessons from Nature and Investing
In this episode of the Thoughts on Money Podcast, host Trevor Cummings, alongside colleagues Sean Latimer and Blaine Carver, discusses the concept of volatility in both nature and financial markets. Trevor shares personal stories about observing butterflies in his backyard and ties these experiences to investment strategies, emphasizing the importance of enduring market volatility to achieve long-term gains. The discussion also touches on the necessity of having a plan and safety nets in place to handle unforeseen circumstances. Listeners are...
2024-06-2830 minThoughts On Money [TOM]Who's On Your Team?This week's blogpost - https://bahnsen.co/3KS7Ng9
Financial Advice: Owner vs. Coach
In this episode of the Thoughts of Money podcast, host Trevor Cummings is joined by colleague Josh Klooz. They discuss the complexities of managing personal finances, emphasizing the importance of collaboration, integration, and trust between clients and advisors. Through analogies from football to cooking, they explore the roles of clients as either owners or coaches in their financial lives and the need for professional guidance. The episode covers topics like financial planning, the importance of customized advice, and how best to...
2024-06-2133 minThoughts On Money [TOM]What Goes Up Must Come Down?This week's blogpost - https://bahnsen.co/4b4UxiQ
Navigating Home Affordability: Practical Insights
In this episode of the Thoughts on Money podcast, Trevor Cummings, joined by Blaine Carver, explores the current challenges of home affordability, discussing the impact of rising real estate prices and mortgage rates. They provide insights into why today's housing market is less affordable compared to previous decades, emphasizing the importance of considering financial ratios, such as home price-to-income. The conversation also delves into social pressures around home ownership and offers practical advice, including the significance of patience in financial decisions...
2024-06-1444 minThoughts On Money [TOM]The PlaytpusThis week's blogpost - https://bahnsen.co/3x5Xemm
The Platypus Parallel: Unmasking Investor Behavior
In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings and his cohost Sean Latimer delve into the latest blog post that draws unexpected parallels between a zoo visit and investing. They discuss fun facts about animals from Trevor's family's frequent zoo visits and Wild Kratts adventures. The conversation transitions into a deeper exploration of black swan events in the market, the importance of not overreacting to such events, and the lack of a concrete 'antidote' for...
2024-06-0725 minThoughts On Money [TOM]Records are Made to be BrokenThis week's blogpost - https://bahnsen.co/3X2qzZp
Breaking Records and Financial Progress: Embracing Market Highs and Human Innovation
In this episode of the Thoughts on Money podcast (TOM), host Trevor Cummings and guest Blaine Carver delve into the concept of breaking records and the nature of progress, both in sports and financial markets. They discuss notable sports records, such as Roger Bannister’s sub-four-minute mile and LeBron James' scoring milestone, emphasizing how once-unthinkable achievements became benchmarks for future generations. Shifting focus to financial markets, they explore investor psychology, the recurrent nature of market hi...
2024-05-3133 minThoughts On Money [TOM]The Power of SimplicityThis week's blogpost - https://bahnsen.co/3RXvTZY
The temptation to overcomplicate wealth management in the name of sophistication is strong. Financial advisors are especially prone to fall into this category as we seek to add value to our clients. I encourage our readers to focus on the north star, not to be pulled away by the clever gimmicks that pop up every year, and to exercise discipline in our process. I encourage our readers to build wealth that withstands the test of time so that many generations can benefit from the strong foundation you have created.
2024-01-1234 min
Good For You with Whitney CummingsTrevor Wallace Explains How To Date People in 2023 | Ep 216🦖- Trevor Wallace (Pterodactyl, Stiff Socks) - Whitney and Trevor talk about how to not behave on dates, all things LOL, and Trevor goes through Whitney’s online dating account.Thank you to our sponsors:FUNLOVE - https://www.funlove.com. code: GOODFORYOUZOCDOC https://www.zocdoc.com/whitneyQUIP https://www.getquip.com/whitneyETSY https://www.etsy.com code: HOLIDAY10 Learn more about your ad choices. Visit podcastchoices.com/adchoices
2023-12-061h 29Thoughts On Money [TOM]Ask TrevorThis week's blogpost - https://bahnsen.co/3Q8lStI
I was filling in for David Bahnsen this week on DC Today, and I was reminded how much I enjoy the Ask David section. This is where readers send in questions, and David addresses one question a day on this published public platform.
I remember an old teacher always used to encourage our class, “Ask, please ask all the questions you have. If you have a question on your mind, surely that same question is on the mind of a few others.” It was our civic duty...
2023-07-2026 min
Good For You with Whitney CummingsComedian Trevor Wallace🔥 - Trevor Wallace - @trevorwallaceComedian Trevor Wallace fights with Whitney about which of his jokes were cut from The OnlyFans TV Roast of Bert Kreischer, and they debate pubes, joining Raya and the drama in the streets. Watch The Roast of Bert Kreischer on OnlyFansTV now - FOR FREE! https://www.of.tv/bert-roast Thank you to our sponsors :Magic Spoon : https://www.magicspoon.com/whitneyBetter Help : https://www.betterhelp.com/whitneyZoc Doc : https://www.zocdoc.com/whitneyFactor : https://www.factormeals.com/whitney50 ...
2023-04-071h 13Thoughts On Money [TOM]Experiencing TurbulenceAs we wrap up 2022, what better time than now to reflect on our blessings and begin to meditate on our own financial objectives for the coming year. For some, prioritization will be key and candid conversations with their financial advisor on these matters will be important. For others, a reminder is needed that with wealth comes responsibility and an added level of complexity as we layer on the piece regarding legacy planning.
For the Cummings household, we are feeling absolutely blessed by our growing family, and we are excited to celebrate Christmas with an added stocking on...
2022-12-2227 minThoughts On Money [TOM]Prudent DebtTrevor and Deiya dive deep into the value and dangers of debt
Links mentioned in this episode:
http://thoughtsonmoney.com
http://thebahnsengroup.com
2022-01-0731 min
Insight is Capital™ Podcast89 Unlocking Total Return & Yield From Dividends, Growth, and Options with Ben Gossack and Trevor Cummings, TD Asset ManagementBen Gossack, VP & Director, Portfolio Manager, and Trevor Cummings, VP, ETF Distribution, both from TD Asset Management (TDAM), join Pierre Daillie for a deep dive discussion about the innovative ways the asset management team at TDAM are enhancing investment income without sacrificing total return in their enhanced dividend income strategies.In the conversation, Ben Gossack, lead portfolio manager on TDAM's enhanced dividend strategies, details how he and his team actively manage their core 'dividend-growers' stock selection strategy, which comprises at least 70% of holdings in their ETFs, while integrating a less constrained, 'unlocked' investment process that also involves...
2021-11-021h 07Thoughts On Money [TOM]What's the Alternative?Trevor is joined by TBG colleagues Deiya Pernas, Sean Latimer, and Kenny Molina
Links mentioned in this episode:
http://thoughtsonmoney.com
http://thebahnsengroup.com
2021-09-1729 minThoughts On Money [TOM]Apples and OrangesTrevor is joined today with Sean Latimer, Nate Straw, and Drew Dill
Links mentioned in this episode:
http://thoughtsonmoney.com
http://thebahnsengroup.com
2021-09-0340 minThoughts On Money [TOM]The Sirens of FinanceTrevor Cummings, the author and podcast host of Thoughts on Money, tackles the key topics investors care about the most.
Links mentioned in this episode:
http://thoughtsonmoney.com
http://thebahnsengroup.com
2021-07-0241 minThoughts On Money [TOM]Time is On Your SideTrevor is joined by Sean Latimer, Drew Dill, and Nathan Straw
Links mentioned in this episode:
http://thoughtsonmoney.com
http://thebahnsengroup.com
2021-06-1139 minThoughts On Money [TOM]Tailored FitTrevor is joined by TBG co-workers Sean Latimer and Leslie Rea to talk about developing the right kind of financial portfolio.
Links mentioned in this episode:
http://thoughtsonmoney.com
http://thebahnsengroup.com
2021-01-1524 minThoughts On Money [TOM]UnknowableTrevor has a conversation with TBG Managing Director, Solutions and Analytics regarding investing principles and how to take the fear out of the process.
Links mentioned in this episode:
http://thoughtsonmoney.com
http://thebahnsengroup.com
2021-01-0832 minThoughts On Money [TOM]More Than NumbersTrevor Cummings and Sean Latimer from The Bahnsen Group
Links mentioned in this episode:
http://thoughtsonmoney.com
http://thebahnsengroup.com
2020-11-2026 minThoughts On Money [TOM]The Variation of VariablesAnother great episode with Trevor Cummings and Sean Latimer of The Bahnsen Group
Links mentioned in this episode:
http://thoughtsonmoney.com
http://thebahnsengroup.com
2020-10-2032 minThoughts On Money [TOM]Learning How To FishSince the inception of Thoughts On Money, the objective has been the same - to help translate the complex world of personal finance into something more palatable and to address common questions that investors have. If you've been a long-time reader of TOM, you know that most investment questions don't have a one-size-fits-all answer; this is why I commonly encourage readers to address these particular issues we discuss with their advisor.
The problem with often concluding, "best to discuss with your advisor," is that you, the reader, don't get the opportunity to peek behind the curtain and...
2020-09-0423 minThoughts On Money [TOM]An Active DebateThere is a debate out there in the world of finance. A debate about active vs. passive investing.
Today I take you on a journey through my personal timeline, how I bumped into this debate, and why I think we are all having the wrong conversation. Come find out why in, fact, all of us are exactly the same kind of investor at our core.
Links mentioned in this episode:
http://thoughtsonmoney.com
http://thebahnsengroup.com
2020-08-1414 minThoughts On Money [TOM]Shiny ObjectsThis week's Thoughts On Money addresses the never ending quest for "free money." Whether it's some get rich quick scheme someone at work is whispering about or a "sure thing" at the local horse track, many people are enticed by the quick and easy path to riches.
In these COVID times, there are no shortages of people touting their short-term trading successes and mistaking gambling for investing.
The reality is that this kind of risk taking is a trap, a trap that can cost you your financial future. I hope this week's article will help...
2020-08-0730 minThoughts On Money [TOM]A Leading IndicatorToday I want to address a question I have been getting a lot from clients and friends. This question is usually premised by a comment or concern sounding something like this, “I am worried that this election in November means that [FILL IN THE BLANK] will win the presidency and that will have a negative impact on markets… does this mean that I should sell my stocks?”
In order to answer this question, I need to take you on a little journey and give you a better understanding of how the stock market works.
Links mentio...
2020-07-3118 minThoughts On Money [TOM]Temper Your TantrumsJoined by TBG Advisor Sean Latimer, your host Trevor Cummings answers some questions of how markets really work.
Links mentioned in this episode:
http://thoughtsonmoney.com
http://thebahnsengroup.com
2020-06-1922 minThoughts On Money [TOM]Is it safe to invest when markets are at all-time highs?Thoughts on Money Podcast is hosted by Partner, Private Wealth Advisor Trevor Cummings from The Bahnsen Group in Newport Beach, California.
2019-11-1808 minThoughts On Money [TOM]Investing In RiskTrevor Cummings talks about how "risk" can work as a benefit for the savvy investor.
2019-11-0513 minThoughts On Money [TOM]Keep Your Eye on the BallIt's not only essential to save but to look at where one saves. In this episode of the Thoughts On Money Podcast, Trevor looks at the importance of tax diversification in your retirement portfolio.
2019-10-0411 minThoughts On Money [TOM]What Is The Bottom Line?TOM is a podcast by Trevor Cummings, Partner and Wealth Advisor at The Bahnsen Group in Newport Beach, California.
2019-09-2515 minThoughts On Money [TOM]Who is TOM? Trevor Cummings and David L. BahnsenIn this episode of TOM, Trevor is joined by The Bahnsen Group, Founder and CIO David L. Bahnsen to discuss the last month's topics Trevor covered.
2019-08-1942 minThoughts On Money [TOM]Introducing Thoughts On Money [TOM]In this inaugural episode, Trevor talks about his motivation for starting TOM and offers his commentary on recent issues of the TOM Blog.
2019-07-2235 min