Shows
Keep it SimpleEnd-of-Year Financial Checklist + AssetBuilder Office Move AnnouncementEnd-of-Year Financial Checklist + AssetBuilder Office Move Announcement
In this practical end-of-year episode of the Keep It Simple Podcast, Joey Badinger – Lead Advisor at AssetBuilder – sits down with Adam Morse (Senior Lead Advisor) and Tommy Williams (Associate Advisor) to walk through a clear, no-nonsense checklist you should review before December 31.
Recorded from AssetBuilder’s headquarters in Plano, Texas, the team covers retirement contributions, Roth conversions, tax-loss harvesting, RMDs, charitable giving, portfolio rebalancing, and even thoughtful strategies for gifting to kids and grandkids—without accidentally harming your own retirement plan.
They close with a major announce...
2025-12-0346 minKeep it Simple4 Investor Biases to Watch out forAre you accidentally sabotaging your own portfolio? In this must-watch episode of the Keep It Simple Podcast, Joey Badinger – Lead Advisor at AssetBuilder – reveals the 4 behavioral biases that even professional investors battle every single day. Recorded from AssetBuilder’s headquarters in Plano, Texas, this short but powerful episode will help you spot and defeat the mental traps that cause most people to buy high, sell low, and underperform the market.
Whether you’re a DIY investor or work with an advisor, understanding overconfidence, recency bias, herd behavior, and confirmation bias is the difference between building real wealth and just...
2025-11-2010 minKeep it SimpleHow do we approach risk?Simplifying Investment Risk: Key Insights for Smarter Portfolios
Description In this episode of the Keep It Simple Podcast, host Joey Badinger
, joined by Adam Morse, Janet Griffith, and Tommy Williams from AssetBuilder, explores the essentials of investment risk. Learn how to assess risk tolerance and capacity, understand key metrics like standard deviation and beta, and discover strategies for building a risk-adjusted portfolio. Whether you're a DIY investor or working with an advisor, this episode simplifies risk management to help you invest smarter. Email podcast@assetbuilder.com or visit assetbuilder.com for more insights.
Timestamps & Main Topics
2025-11-0438 minKeep it SimpleFixed, Indexed, or Variable? Understanding the 3 Types of AnnuitiesFixed, Indexed, or Variable? Understanding the 3 Types of Annuities
Description:
🎙️ In this episode of The Keep It Simple Podcast, host Joey Badinger from AssetBuilder breaks down the three major types of annuities — Fixed, Variable, and Indexed — to help you understand how each one works, what guarantees they offer, and which risks to watch out for.
You’ll learn:
What annuities actually are and how they provide guaranteed income 💵
The difference between accumulation and payout phases
How inflation, fees, and surrender periods affect your returns
Key benefits and drawbacks of Fixed, Variable, and Indexed an...
2025-10-2114 minKeep it SimpleWhere’s the Debt? | Consumer vs. National Debt Explained (Mortgages, Cars, Credit Cards & DTI)From AssetBuilder’s Plano HQ, host Joey Badinger sits down with Adam Morse, Janet Griffith, and Tommy Williams to unpack America’s debt picture—from household budgets to the federal balance sheet. We break down mortgages vs. auto/student/credit-card debt, what rising rates mean, how to use debt-to-income (DTI) the smart way (the 28/36 rule), and practical habits to avoid lifestyle creep and instant-gratification financing.
You’ll learn:
How much U.S. households owe (and where it sits by generation)
Why mortgages can be “productive” debt—and why long car loans aren’t
Current...
2025-09-3037 minKeep it SimpleThe Big Beautiful Bill Basics Explained | Keep It Simple Podcast with Joey BadingerThe Big Beautiful Bill Basics Explained | Keep It Simple Podcast with Joey Bottinger
📌 Description
In this episode of the Keep It Simple Podcast, host Joey Badingerbreaks down the recently passed Big Beautiful Bill Act and what it means for taxpayers, families, seniors, business owners, and high-net-worth individuals. Recorded at Asset Builder headquarters in Plano, Texas, this short episode cuts through the complexity to give you clear, actionable takeaways in about 10 minutes.
You’ll learn how the new law affects:
Income tax brackets, deductions, and credits
Seniors’ tax benefits and enhanced deductions
2025-09-1814 minKeep it SimpleKeys to the Future: Navigating Today’s Housing Market TogetherKeys to the Future: Navigating Today’s Housing Market Together
In this Keep It Simple Podcast episode, host Joey Badinger joins advisors Adam Morse and Tommy Williams at AssetBuilder’s Plano HQ to unpack what’s really going on in today’s housing market—and how families can work together to help Gen Z and Millennials become homeowners.
They trace the arc from early 20th-century mortgages to post-WWII suburbia, the 1970s rate shock, 2000s subprime bubble, post-COVID surge, and today’s challenging mix of higher rates, compressed affordability, insurance spikes, student debt, and constrained supply.
What You’ll Learn...
2025-09-0337 minKeep it Simple3 Budgeting Techniques to Help You Take Control of Your FinancesStruggling to get control of your money? In this episode of The Keep It Simple Podcast, Joey Badinger shares three proven budgeting techniques that will help you manage your money, eliminate financial stress, and reach your goals faster. Whether you’re brand new to budgeting or looking for a smarter system, you’ll learn about:
The 50/30/20 Rule a simple framework to balance needs, wants, and savings. The 80/20 Rule the “pay yourself first” mindset that ensures you save consistently. Zero-Based Budgeting – the most powerful way to give every dollar a purpose. Joey breaks down each method, explains how to apply i...
2025-08-2110 minKeep it SimplePersonal Reconstitution: Realign Your Goals, Finances, and Life with PurposeHave you ever felt your goals slipping away or wondered if your financial plan still matches your life? In this insightful episode, Joey Boding, alongside Adam Morris and Tommy Williams, discusses the concept of personal reconstitution—a valuable method inspired by passive investment strategies that helps you recalibrate your personal and financial goals. Learn why regular check-ins can significantly boost your chances of success, keep you aligned with your priorities, and help you celebrate meaningful progress.
For detailed show notes, navigate using the timestamps below:
[0:00] Introduction
[1:00] Understanding financial reconstitution and its purpose
...
2025-07-2436 minKeep it SimpleMost Popular Questions from GoogleWelcome back to the Keep It Simple Podcast! In this episode, your host, Joey Bottinger, alongside Adam Morris and Janet Griffith, takes on the most popular investment questions searched on Google in 2024. From the complexities of cryptocurrency to the foundational steps of starting your investment journey, we break down essential financial concepts in an easy-to-understand way.
We discuss:
Cryptocurrency Investing: Understanding the risks, practical platforms like Coinbase, and the emergence of Bitcoin ETFs.
Getting Started with Investing: The importance of employer-sponsored retirement plans (401k), setting up brokerage accounts with traditional banks or online platforms li...
2025-06-0247 minKeep it SimpleFinancial Wisdom from the ProsWhat do Warren Buffett, John Templeton, and Dave Ramsey have in common? They're all quoted in this spontaneous Q&A session with the AssetBuilder advisor team. In this episode, host Adam Morris surprises Joey Badinger, Janet Griffith, and Tommy Williams with unscripted prompts on famous financial advice.
Tune in to hear the team reflect on timeless wisdom, modern market challenges, budgeting fears, and how lifestyle inflation can derail your plan. They also explain why even savvy investors may still benefit from a trusted advisor.
Links:
Learn more about AssetBuilder: https://assetbuilder.com
2025-05-0734 minKeep it SimpleThe Benefits of a Financial PlanIn this episode of Keep It Simple, host Joey Badinger is joined by Janet Griffith (Certified Financial Planner) and first-time guest Tommy Williams (Associate Advisor) from Asset Builder. Together, they break down the real-world benefits of having a financial plan — from achieving clarity and peace of mind to understanding spending goals and preparing for the unexpected. Whether you're planning for retirement, mapping out education savings, or just want to feel more confident about your next step, this conversation helps you understand how planning can shape your financial future. Topics include: How a financial plan gives you a 360° view of you...
2025-04-1133 minKeep it SimpleTax StrategiesWelcome to the Keep It Simple Podcast! In this episode, hosts Adam Morse, Janet Griffith, and Joey Badinger break down essential tax strategies to help you maximize savings and stay ahead in 2025.
Join us as we explore key tax planning techniques, including maximizing deductions and credits, understanding tax-efficient investing, and navigating the latest IRS updates. We discuss why proactive tax planning is crucial, how to optimize retirement contributions for tax benefits, and strategies for minimizing capital gains taxes.
Additionally, we provide practical tips on organizing tax documents, avoiding common filing mistakes, and leveraging tax-advantaged accounts...
2025-03-0744 minKeep it SimpleSetting SMART Goals: A Guide to Financial Well-being in 2025
Welcome to the Keep It Simple Podcast! In this episode, hosts Joey Badinger, Adam Morris, and Janet Griffith dive into the essential topic of goal setting for the new year.
Join us as we explore the SMART goals framework—Specific, Measurable, Attainable, Relevant, and Time-bound—and discuss how to effectively apply these principles to your personal and financial goals. We share insights on why setting specific and measurable goals is crucial for success, the importance of aligning your goals with your values, and how to create a budget that works for you.
Additionally, we provide prac...
2025-02-0555 minKeep it SimpleMarket VolatilityIn this episode of Keep It Simple, hosts Joey Badinger and Adam Morse dive into the recent fluctuations in the market.
Market volatility is an inherent aspect of investing, characterized by fluctuations in asset prices over short periods. These fluctuations can be unsettling for investors, often leading to emotional reactions that result in poor decision-making and potential financial losses.
[00:02:04] Market reactions and investor psychology.
[00:05:12] Rates in Japan's impact.
[00:07:48] Margin loans and market dynamics.
[00:12:23] Panic and decision-making in finance.
[00:14:39] Recognizing emotional states for decisions.
[00:18:04] Ma...
2024-10-2139 minKeep it SimpleMake Good Easy, Make Bad HardTune in to 'Keep It Simple' with host Adam Morris and Joey Badinger from Asset Builder to discuss strategies for building good habits while eliminating bad ones. They delve into methods inspired by 'The Soul of Wealth' by Daniel Crosby and share practical advice for achieving financial and personal goals using the SMART and EAST models. Highlights include discussions on financial planning, fitness, mental health, and the importance of intentionality in achieving long-term success.
[00:00] Introduction and Podcast Purpose
[01:39] The Concept of Make Good Easy, Make Bad Hard
[12:50] SMART Goals and the E...
2024-06-1248 minKeep it SimpleMarriage & FinanceIn this episode of 'Keep It Simple,' host Adam Morris, Janet Griffith and the team at Asset Builder, including special guest Director of Operations, Hannah Vickery, delve into the intersection of marriage and finance. They share personal experiences, advice, and techniques to help couples manage their finances effectively and reduce stress. Topics include the importance of open communication, different budgeting methods, the role of premarital counseling, and strategies to handle financial disagreements. The episode underscores the importance of being on the same financial team with your spouse to achieve shared goals while navigating life's unexpected challenges.
2024-06-0457 minKeep it SimpleThe Power of Roth ConversionsTune in to 'Keep It Simple' with host Adam Morris, Janet Griffith, and Joey Badinger from Asset Builder to explore the intricacies and advantages of Roth conversions today!
The discussion covers the fundamentals of what a Roth conversion is, the benefits, including tax optimization and managing required minimum distributions (RMDs), and its strategic advantages in certain market conditions. The team also challenges common myths about Roth conversions and emphasizes the importance of planning and asset location. They provide actionable insights for both novice and experienced investors, underscoring the significance of financial planning in securing a tax-efficient future.
01:07 Demystifying Roth Conversions: Wha...
2024-05-2145 minKeep it SimpleTax Planning for the Tax Cuts & Jobs Act SunsetIn this episode of 'Keep It Simple,' the team discusses strategies for tax planning in anticipation of the expiring provisions of the Tax Cuts and Jobs Act of 2017, set to phase out by the end of 2025.
Joined by advisors Adam Morris, Janet Griffith, and Joey Badinger, they explore potential changes in tax rates, deductions, and credits, emphasizing the need for individuals and businesses to plan ahead. The discussion extends to the implications for estate and gift taxes, and the episode offers insights into making strategic decisions to optimize tax positions. The advisors remind listeners that while they are not t...
2024-05-0729 minKeep it SimpleTopics from Same as EverEver thought about the countless variables that influence your investment decisions and how mastering the art of simplicity could be a game-changer? Join us, Jared and Adam, as we dissect Morgan Housel's enlightening book, "Same as Ever". Filled with bite-sized wisdom, this book reveals the power of long-term thinking, the beauty of focusing on constants over variables, and the potential traps of emotional investing. With Jeff Bezos' business strategy as a case study, you'll understand how these concepts work in the real world.
Life, just like history, is unpredictable - small moments can drastically alter its course...
2023-12-1341 minKeep it Simple2023 Q3 ReviewGear up as we guide you through the fascinating world of financial trends, market volatility, and the simple pleasures of life, like attending a Baylor football game or organizing one's garage. We guarantee our casual yet in-depth discussion will not only enrich your understanding of asset classes and diversification but also shed light on the importance of gratitude in our lives. We'll chew over everything from fresh perspectives on investment strategies to the delights of ordering a pizza when you're worn out.
This episode is a treasure trove of insights into the performance of various asset classes...
2023-11-2843 minKeep it SimpleBook Review: 4 Pillars of Investing - Part 2Join us as we navigate through topics such as the current Middle East situation and the looming tax season. As we approach tax season, we share insights on how to provide a smooth, fast and easy process for our clients in the preparation of their taxes. Furthermore, we discuss the unpredictability of the markets and the multiple factors that go into the evaluation of a share price. Despite the ongoing events in the Middle East, we unravel why markets continue to rise.
In this captivating conversation with Peter Zahan, a geopolitical strategist, we analyze the macroeconomic view o...
2023-10-3043 minKeep it SimpleBook Review: 4 Pillars of Investing - Part 1Prepare for a journey that will arm you with timeless investing principles. This episode is set to demystify the complexities of investing as we unpack the enduring principles outlined in "The Four Pillars of Investing" by William Bernstein. We shed light on the intricate link between risk and reward, revealing why the brightest markets often yield the lowest returns, while the bleakest ones offer the highest. We also address the emotional turmoil that most investors face when grappling with the idea of higher risk for higher returns.
Take a deeper look at the fascinating world of small...
2023-10-1647 minKeep it SimpleKeeping Cybersecurity SimpleJoin us as we unravel the often intimidating topic of cybersecurity, offering straightforward advice on how to keep your digital life secure. We discuss simple, effective techniques that can drastically reduce your chances of falling victim to cyber attacks. From anecdotes we've gathered from our clients to our personal experiences, we're shedding light on the reality of cybersecurity. We explore the struggle of trying to have zero digital footprint and how you can make yourself less appealing to those with malicious intentions.
Listen in as we further discuss the importance of software updates and strong p...
2023-10-0229 minKeep it SimpleWhat to do about these AI StocksGet ready for an insightful discussion as we explore the intriguing intersection of artificial intelligence (AI) and the stock market. We start off by examining the surprisingly strong performance of Democrats over Republicans in the stock market, and the role tech stocks play in this equation. We raise questions about potential insider trading, providing a thought-provoking angle on the information disparity between politicians and the public. This episode also delves into the attention-grabbing headlines that fuel curiosity and speculation about AI's role in the stock market.
As we proceed, we highlight the importance of cautious investing, discussing...
2023-09-1836 minKeep it SimpleBook Breakdown Part 4: The Psychology of MoneyIn this episode, we delve into the final segment of our review of “The Psychology of Money” by Morgan Housel. But before we do, we provide a brief overview of the Southern LA Bank's crash, caused by a drying revenue stream for clients and miscalculations about interest rates. Understanding your banking choices and conducting research is crucial, and remember the distinction between brokerages and banks.
We explore the disparities between day traders/short-term investors and the needs of long-term investors. Long-term goals should not mimic short-term strategies. Time horizons are key, offering success predictions. The media...
2023-09-0433 minKeep it SimpleBook Breakdown Part 3: The Psychology of Money
In this episode of Keep It Simple, hosts Adam and Joey continue to talk through "The Psychology of Money'' by Morgan Housel. Adam and Joey delve into the concepts of rationality and reasonability in financial decision-making. Chapter 11 of the book centers around reasonable vs. rational decisions. While some investors might be comfortable taking on more risk, adopting a double leveraged portfolio, although rational, may not be reasonable for most due to its extreme volatility. They stress the importance of constructing an investment portfolio that maximizes returns while allowing one to sleep soundly at night.
This e...
2023-08-2234 minKeep it Simple2023 Q2 ReviewIn this episode, we're taking a comprehensive review of the market performance during the second quarter to help investors plan for the future. Overall, it was a fruitful quarter with most investments on the rise. As we delve into various premiums, we'll explain their significance and how they affected returns. It's essential to understand that pursuing maximum profits may lead to challenges.
We're also exploring asset classes and the trends observed last quarter. Additionally, we'll discuss sector patterns and how some companies are inflating prices or presenting themselves as tech firms, regardless of their true n...
2023-08-0729 minKeep it SimpleBook Breakdown Part 2 The Psychology of MoneyIn part two of our conversation about The Psychology of Money, by Morgan Housel, the Asset Builder team is getting into a good money mindset, sitting in discomfort, being less flashy, and more. True freedom isn’t being able to spend as much money as you want when you want to; instead, it’s the ability to control your life. Focusing on your own journey to financial freedom doesn’t mean getting a flashy car to impress people.
Since there’s no financial literacy classes in the high schools we went to (and most likely not where...
2023-05-2426 minKeep it SimpleBook Breakdown: The Psychology of Money by Morgan Housel
Is Keep It Simple turning into a book club? We’re breaking down The Psychology of Money by Morgan Hauser. Our conversation today is getting deep and meaningful, and goes way beyond money and financial status. We’re talking about some of our favorite parts from the book and key takeaways we have from each chapter.
Join us for part one of this conversation and don’t forget to check back for part two! We have nineteen chapters to get through together and you don’t want to miss it. From mindset to self-discipline to goal setting, this epi...
2023-05-0134 minKeep it SimpleTop Questions to Ask an Advisor Before You Sign OnWhen you’re looking for a financial advisor, you are trying to find someone to trust with your hard earned money. Do a little research before you interview a potential advisor so you know what your investing philosophy is to find an advisor that matches your view. Really get to know your potential advisor’s qualifications and reasons for being in the business.
Having up front conversations between clients and advisors is imperative to prevent unnecessary road bumps along your investment journey. Asking the questions below will allow you as a client to find an investor that matc...
2023-04-0743 minKeep it SimpleEverything You NEED to Know About Secure Act 2.0Today on Keep It Simple we’re getting into a new law, The Secure Act 2.0. This law is the government’s way to remove obstacles to retirements to make it easier for the average American to save money for retirement. The Asset Builder team is explaining some of the changes this law brings that normal individuals should be aware of. 25% of American adults don’t have savings, so if you fall under that statistic the Secure Act 2.0 helps you out by allowing you to catch up on your retirement contributions.
Arguably the most important change that comes from t...
2023-02-2033 minKeep it SimpleWhat Should You Do With A Christmas Bonus?
2022 was a rollercoaster of a year, but some lucky people got a year end bonus. The key to spending a bonus well is to make a plan for when that extra income rolls into your bank account. In this episode of Keep It Simple, we’re laying out the things you should consider when you’re planning for that Christmas bonus.
Whether you decide to pay off debt, add to your retirment account, or invest, use your bonus to set yourself up for success. Life happens, and making sure you’re ready to roll with the punches financially. Aside from backing...
2023-01-1727 minKeep it SimpleDecember Notebook Dump - Inflation, Debt, and the FedWe are welcoming Joey, a lead advisor here at Asset Builder, to this episode of Keep It Simple. Join us for a brain dump where we’re talking about inflation and debt. Inflation is starting to slow which indicates interest rates will slowly start coming down. We’ve all been on the struggle bus with the high cost of living that’s come with inflation, especially our grocery bills. We’re going to discuss some things we’ve done to help combat the cost of inflation. Alongside inflation, debt has been increasing. With auto and home loans, household debt has been s...
2022-12-1429 minKeep it SimpleThe Art of Reading ReturnsOn today’s episode of Keep It Simple, learn how to approach and interpret a return and what different returns mean. Return formulas can be confusing, and since they are invaluable we are taking the time today to break things down and go over the things you need to look for when evaluating your returns. You need to know what you’re measuring, what you’re measuring with, and what you’re measuring against. Our goal is to help you make good choices when you are looking at changing your approach to returns to help you profit later. Remember that you...
2022-11-1535 minKeep it SimpleCould Medicare Be Anymore Complicated?It’s never too early to start planning your future, so today we are talking about all things Medicare. We are breaking down all the parts of Medicare and explaining the pros and cons to the different paths you can take, as well as where to go if you need help sorting out your Medicare plan. Connect with Adam or Janet at their website, www.assetbuilder.com/podcast
[00:00] Disclaimer/show intro
[00:28] Episode intro
[01:21] The body line of the episode
[03:47] Medicare and it’s structure
[07:31] How do you know when it’s...
2022-11-0937 minKeep it SimpleBreaking Down the Student Debt Relief PlanInvestment Advisor Representatives Adam Morse and Janet Griffith discuss the recent Student Debt Relief plan announced by the White House and what it means for millions of Americans as well as the American economy.
www.studentaid.gov/loan-simulator
Have an idea for an episode? Email us!
podcast@assetbuilder.com
2022-09-2939 minKeep it SimpleWill Social Security Run Out in 2030?Adam Morse and Janet Griffith discuss the ins and outs of social security and how to prepare ourselves for whatever the future holds.
Have an idea for an episode? Email us!
podcast@assetbuilder.com
2022-08-2240 minKeep it SimpleResponding to Elon Musk’s TweetAdam Morse and Janet Griffith respond to a well-known innovator billionaire, Elon Musk, who recently tweeted that Index investors are misallocating funds in the market. Listen to Adam and Janet's rebuttal on another exciting episode of Keep it Simple.
Have an idea for an episode, email us!
Podcast@assetbuilder.com
2022-08-0828 minKeep it SimpleInflation vs Stagflation – What’s the Difference?Investment Advisor Representatives Adam Morse and Janet Griffith discuss the history of stagflation and how it affects our economy today.
Have an idea for an episode? - email us and let us know
podcast@assetbuilder.com
2022-07-1336 min
Build SolarhomesGoldegg Assetbuilder University 🏡 Generational Wealth ScienceToday on It's My 🏠 TV Podcast we shall be discussing
"Goldegg Assetbuilder University" & Generational Wealth Science
School 🏫 Motto:
"Stop Killing The Goose 🦆 That Lays The Generational Wealth Gold Eggs 🥚"
Topic Covered:
Generational Wealth ScienceGentrification IlliteracyGenerational Wealth MathLegal Problems vs Math ➗➖ X+ ProblemsGoldegg Assetbuilder UniversityAncestral Home EconomicsFinancial Offense vs Financial DefenseFinancial Literacy Skill SetsFinancial Literacy Power Tools
2022-06-132h 28Keep it SimpleHow to Invest in an Unpredictable MarketAdam Morse and Janet Griffith know a volatile market can challenge your mettle – especially if you're retired. But they also know that the investors that stick it through come out ahead in the long run. Today we offer a gentle reminder to ignore the headlines and follow the historical data instead.
Have an episode suggestion? We want to hear it.
Podcast@assetbuilder.com
2022-06-0631 minKeep it SimpleAre There Good Reasons to NOT Invest?Polls say that half of Americans don't invest their money at all. Adam Morse and Janet Griffith discuss and refute common arguments against investing in the market.
Have an idea for an episode? Email us at
Podcast@assetbuilder.com
Responses To 10 Common Arguments Against Investing (Article by David Booth)
https://www.popular.com/en/popularone/articles/investments/responses-to-10-common-arguments-against-investing/
2022-05-1627 minKeep it SimpleQuotes All Investors Should KnowAdam Morse and Janet Griffith deconstruct great quotes from great investors and extract lessons for us to use in our own investment lives.
Have an idea for an episode? Email us at
Podcast@assetbuilder.com
2022-05-0231 minKeep it SimpleHow to Spring Clean Your InvestmentAdam Morse and Janet Griffith discuss a list of helpful things you can do to get your finances a little more organized and optimized for the future.
Have an idea for our next episode? Email us at podcast@assetbuilder.com
2022-04-1334 minKeep it SimpleInvesting & Taxes: A Brief OverviewHow should we approach the idea of taxes? What are the main types of taxes in play when we start investing? Today, investment advisor representatives, Janet Griffith and Adam Morse answer these questions and more in another taxy-turvy episode of Keep it Simple.
Have an idea for our next episode? Email us at podcast@assetbuilder.com
2022-03-2827 minKeep it SimpleAre Your Heirs Prepared to Handle Your Inheritance?Many children may want their parents' inheritance - but how many of them are prepared to handle such a large sum of money? Janet and Adam discuss how to prepare your heirs for your inheritance.
Have an idea for our next episode? Email us at podcast@assetbuilder.com
2022-03-0325 minKeep it SimpleRate Hikes Are in the News — Is it Time to Freak Out?Janet Griffith and Adam Morse discuss whether we should worry about current rate hikes. Should we freak out - or chill out? Find out today in another knowledge-packed episode of Keep it Simple.
Have an idea for our next episode? Email us at podcast@assetbuilder.com
Find all show notes at assetbuilder.com/podcast
2022-02-1426 minKeep it SimpleTHE MILLIONAIRE TEACHER returns to discuss his NEW book, Balance — How to Invest and Spend For Happiness, Health, and WealthToday Andrew Hallam discusses his new book Balance, how to invest and spend for happiness, health, and wealth. Pick up a copy today!
Have an idea for our next episode? Email us at podcast@assetbuilder.com
Find all show notes at assetbuilder.com/podcast
2022-01-1844 minKeep it SimpleWhat Should You Do If the Market Crashes When You Retire?Today, Janet Griffith and Adam Morse discuss how to understand a market crash at the beginning of retirement. Should you run to cash— or remain in the market? Find out today in another info-packed episode of Keep it Simple.
Have an idea for our next episode? Email us at podcast@assetbuilder.com
Find all show notes at assetbuilder.com/podcast
2022-01-0334 minKeep it SimpleHow Much of Your Income Should You Be Investing?Today we ask: how much of your income should you be investing? Is there a universal magic percentage or formula— or is it just a matter of investing what you CAN invest? And should you pay off all of your debt before investing anyway? Find out today on another informative episode of Keep it Simple.
Have an idea for an episode? Email us at:
Podcast@assetbuilder.com
2021-12-0130 minKeep it SimpleChange Your Life With ONE FormulaIt seems obvious, even elementary, but today Adam Morse and Janet Griffith take note of how astounding a difference compound interest can make in your financial life— positive or negative.
Based on an article by Motley Fool
Have an idea for our next episode? Email us at podcast@assetbuilder.com
Find all show notes at
assetbuilder.com/podcast
2021-11-1520 minKeep it SimpleAre Women Better Investors Than Men?Some studies show that women tend to earn slightly better returns than men— but why is that? Is it that girls rule and boys drool? Or is it that women have that have natural tendencies that lead to slightly more favorable investment outcomes? Find out today on another exciting, chair-gripping, knowledge-inducing episode of Keep it Simple.
Links to studies used in today's episode:
The same but different: Gender differences in retail investor behavior (2020)
2021 Women and Investing Study (2021)
Do you have a topic that you would like discussed in ou...
2021-11-0129 minKeep it SimpleUnderstanding Our Investment BiasesInvestment bias can lead us down paths that seem logical but ultimately work against us. To put it in a more positive light, managing these biases can help improve performance. Today, Adam Morse and Janet Griffith help us understand our investment biases.
Charles Schwab Survey
https://www.yahoo.com/now/befi-barometer-2021-advisors-witness-120000773.html
Have an idea for an episode? We'd like to hear from you! Email us:
podcast@assetbuilder.com
2021-10-2545 minKeep it SimpleLook Out for These RED FLAGS in Investment AdvisorsIt’s easy to find investment advisers that are more self-interested than they lead you to believe. Adam Morse and Janet Griffith discuss the big red flags to look for so you don’t get stuck with one of these kinds of advisers.
Conduct a background check on any investment professional at:
https://www.investor.gov/
List of red flags:
https://www.investor.gov/protect-your-investments/fraud/how-avoid-fraud/red-flags-investment-fraud-checklist
Have an idea for an episode? We'd like to hear from you! Email us:
pod...
2021-10-0429 minKeep it SimpleHow (and why) to Roll Over Your 401(k)As many people approach retirement age, they often wonder what to do with their company 401(k). Should you leave it there and forget about it? Is it worth the hassle of moving it elsewhere? Today, Investment advisors, Adam Morse and Janet Griffith talk about the ins and outs of rolling over your 401(k).
Have an idea for an episode? We'd like to hear from you! Email us:
podcast@assetbuilder.com
FAQ faceoff questions provided by:
https://www.nerdwallet.com/article/investing/401k-rollover-ira-guide
Can't find...
2021-09-1540 minKeep it SimpleInvesting Horror Stories Pt.3RIA, Adam Morse, offers a few more lessons after hearing stories of financial and investing missteps from around the web. He even tells a tale of his own.
Taken from badinvestments.com. Link to article:
https://badinvestmentsadvice.com/whats-your-investing-horror-story/
Have your own investment horror story? Email us at
podcast@assetbuilder.com
2021-09-0125 minKeep it SimpleInvesting HORROR Stories Pt. 2Today, Adam Morse listens to four investing/financial mishaps and identifies the lessons learned from each horrific story.
Taken from badinvestments.com. Link to article:
https://badinvestmentsadvice.com/whats-your-investing-horror-story/
Have your own investment horror story? Email us at
podcast@assetbuilder.com
2021-08-1831 minKeep it SimpleUnderstanding Your ReturnsHow do we understand, evaluate, rank, return on investments? Is the S&P really the best Benchmark? Find out today in another jam-packed episode of Keep it Simple.
Have an idea for an episode? We'd like to hear from you! You may also offer any episode corrections or comments. Email us at:
podcast@assetbuilder.com
Show notes
FINRA
https://www.finra.org/investors/learn-to-invest/key-investing-concepts/evaluating-investment-performance
2021-08-1130 minKeep it SimpleHow to Keep Your Cool During Market VolatilityIt's easy to find ourselves making compulsive decisions under duress— and that is especially true of investors. Adam Morse talks candidly on how to keep a steady footing during market volatility and how to wrangle our emotions to keep our investment strategy on track.
Have a suggestion for an episode topic?
Email us at podcast@assetbuilder.com
2021-07-1630 minKeep it SimpleShould You Buy an Annuity?Annuities are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream. But are they good for everyone? Find out on today’s episode with the great Michael French and Adam Morse.
Find the show notes for every episode at assetbuilder.com/podcast
Email us with episode suggestions and comments at podcast@assetbuilder.com
2021-07-0142 minKeep it SimpleShould You Add Cryptocurrency to Your Portfolio?Cryptocurrency is one of the most highly contested subjects in modern-day finance. Should you add it to your portfolio? Find out in today’s episode of Keep it Simple with Michael French and Adam Morse.
Email us with episode suggestions and corrections at podcast@assetbuilder.com
Find our show notes for every episode at assetbuilder.com/podcast
2021-06-1745 minKeep it SimpleHow to Fortify Your Portfolio Against Hyper-InflationWhat is inflation, and what influences it? What is hyperinflation? And why, as investors, should we care? Michael and Adam discuss this along with how to fortify your portfolio against changes in inflation.
Have an episode suggestion or correction? Email us at:
Podcast@assetbuilder.com
Show notes:
assetbuilder.com/podcast
2021-05-2737 minKeep it SimpleWhen is the Best Time to Start Collecting Social Security?There are endless considerations to make when picking the right time to take social security. Is it better to delay? What happens if you take it at 62? Find out all of this and more in another knowledge-packed episode of Keep it Simple.
Have an episode suggestion or correction? Email us at:
Podcast@assetbuilder.com
Show notes:
assetbuilder.com/podcast
2021-05-1836 minKeep it SimpleUnderstanding the Financial MediaMichael and Adam discuss and debate the quality and quantity of modern-day financial news and analysis. Is the media helping us make intelligent investment decisions— or are they just here to entertain us? Join us on another thoughtful episode of Keep it Simple.
Do you have an interesting investment topic for Adam and Michael? Send us an email at podcast@assetbuilder.com
Find the show notes for every episode at assetbuilder.com/podcast
2021-05-0437 minKeep it SimpleHow to Get TAX-FREE Income in RetirementMichael and Adam pinpoint useful ways to reduce your tax bills during (and long before) retirement.
Email us with any corrections or episode suggestions at podcast@assetbuilder.com
2021-04-2033 minKeep it SimpleShould You Open a 529 Account for Your Kids?529s can be especially complicated because their rules and regulations vary from state-to-state. Michael and Adam break down 529 accounts; their parameters, benefits and drawbacks; and how they function within the state of Texas.
2021-04-0541 minKeep it SimpleShould You Sell Your House Before Retirement?Today, Kennon and Michael discuss how to "right-size" (not downsize) your living situation in order to better prepare for retirement.
Show Notes
assetbuilder.com/podcast
Email us with episode suggestions at:
podcast@assetbuilder.com
2021-03-1625 minKeep it SimpleDo you NEED a Fiduciary Advisor?Show notes can be found at assetbuilder.com/podcast
Please email us with any suggestions for future episodes at podcast@assetbuilder.com
2021-03-0127 minKeep it SimpleHave You Thought of These 4 BIG risks in Retirement?Kennon and Michael discuss four risks that could hamper your retirement in the long run.
Show notes can be found at assetbuilder.com/podcast
Please email us with any suggestions for future episodes at podcast@assetbuilder.com
2021-02-1525 minKeep it SimpleShould You Cash Out During Market Volatility?Michael and Adam talk about whether or not it is a good idea to cash out during moments of volatility in order to avoid potential losses.
For links to studies visit our show notes at:
assetbuilder.com/podcast
Email us with any tips, studies, comments or suggestions at:
podcast@assetbuilder.com
2021-02-0128 minKeep it SimpleAre ESG Funds all that Ethical?Michael and Adam discuss whether ESG portfolios are really responsible or if conscious investing is just another Wall Street gimmick. The conversation evolves into an overarching discussion on morality.
Find links to studies and articles in our show notes!
Email us with ideas and suggestions!
podcast@assetbuilder.com
2021-01-1827 minKeep it SimpleMoney & MarriageMichael and Adam are back to offer their personal and professional antidotes on how to handle marital money matters. Do you and your partner have an interesting take on handling the family finances? Email us at podcast@assetbuilder.com and clue us in!
Northwestern Mutual: Planning and Progress Study 2018
https://news.northwesternmutual.com/planning-and-progress-2018
Show notes
https://assetbuilder.com/podcast
Email us with any suggestions or questions at: podcast@assetbuilder.com
2021-01-0444 minKeep it SimpleHow to Maintain Mental Acuity in RetirementStudies show that mental cognition tends to decline as we age in retirement. Kennon and Michael discuss some useful ways to continue to train your mind during your post-career life.
Early Retirement can Accelerate Cognitive Decline
https://www.sciencedaily.com/releases/2019/10/191029131506.htm
Show notes
https://assetbuilder.com/podcast
Email us with any suggestions or questions at: podcast@assetbuilder.com
2020-12-1526 minKeep it SimpleShould You Add "Innovation" Funds to Your Portfolio?Michael and Adam are back to discuss whether or not it’s a good idea to add innovation companies into your portfolio. They also discuss what characteristics constitute an “innovation” fund.
Ark Invest
https://ark-funds.com/
Investing in Innovation
https://www.franklintempleton.com/forms-literature/download/FDTF-BR
Show notes
https://assetbuilder.com/podcast
Email us with any suggestions or questions at: podcast@assetbuilder.com
2020-12-0138 minKeep it SimpleAre Your Loved Ones Prepared for Your Passing?AssetBuilder's own Kennon Grose and Michael French discuss how to financially prepare your loved ones in the event of your sudden passing. Both Michael and Kennon provide key points, while offering their own personal antidotes.
Show notes
https://assetbuilder.com/podcast
Email us with any suggestions or questions at: podcast@assetbuilder.com
2020-11-1725 minKeep it SimpleIs Your Social Security Enough?From ssa.gov, “the Social Security and Supplemental Security Income (SSI) benefits for approximately 70 million Americans will increase 1.3% in 2021, the Social Security Administration (SSA) announced last week.”
Michael and Adam discuss how that is assessed, what it means for retirees, and how to maximize social security for the future.
Here’s the announcement.
A Step-by-Step of How Social Security's COLA Is Calculated
https://www.fool.com/retirement/2019/03/09/a-step-by-step-of-how-social-securitys-cola-is-cal.aspx
Here's the Average Social Security Benefit in 2021
https://www.fool.com/retire...
2020-11-0428 minKeep it SimpleWhat if Your Advisor has Different Political Views Than You?Michael and Adam deconstruct the political standpoints between an an advisor and their client. How do your politics play into your investment?
Partisan Impact on Economic Expectations
http://www.sca.isr.umich.edu/files/partisanimpact201709.pdf
Why Advisors Should Keep Politics Out of Portfolios
https://www.thinkadvisor.com/2018/04/05/keeping-politics-out-of-the-portfolio/
How To Shield Your Portfolio From Political Bias
https://www.forbes.com/sites/duncanrolph/2018/04/26/how-to-shield-your-portfolio-from-political-bias/#12be1bb57cdf
Hartford Study
https://www.hartfordfunds.com/investor-insight/investor-behavior-strategies/2020-elec...
2020-10-2031 minKeep it SimpleHow Will the Market React to Who Becomes President?In light of the current US presidential election, many investors wonder how the stock market will react to whoever wins the presidency. Michael and Adam look back in time to see how the market has reacted to past elections and they breakdown who and what also affects the market.
Interactive Graph depicting the market during each presidency, starting with Hoover.
https://www.dimensional.com/us-en/insights/how-much-impact-does-the-president-have-on-stocks
Why Stocks Don’t Care Who The President Is
https://assetbuilder.com/knowledge-center/articles/why-stocks-dont-care-who-the-president-is
Show Notes
2020-10-0638 minKeep it SimpleAre We in a Tech Bubble?The NASDAQ toppled down earlier in September worrying some investors that we may be headed for a tech crash. Michael and Adam discuss whether or not we are facing an imminent correction due to a tech bubble.
Aggregation Theory
https://stratechery.com/aggregation-theory/
AssetBuilder Knowledge Center
https://assetbuilder.com/knowledge-center
Keep it Simple Podcast Page
https://assetbuilder.com/podcast
email us at podcast@assetbuilder.com
2020-09-2238 minKeep it SimpleWhat You Don't Know About Trust FundsMichael and Adam go head-to-head to see who knows more about the intricacies of trust funds. We sure learned a lot in this one and we know you will, too.
Do you have questions or suggestions for Keep it Simple? Just email us at podcast@assetbuilder.com
Taken from a How Stuff Works article
https://play.howstuffworks.com/quiz/trust-funds-quiz
Supplemental Information
https://www.quicken.com/blog/trust-fund
AssetBuilder Knowledge Center
https://assetbuilder.com/knowledge-center
...
2020-09-1436 minKeep it Simple10 Common 401K Questions—Answered10 Frequently asked 401k Questions—Answered
Can I use my 401K before I retire? Can I contribute to both a 401K and IRA? Michael and Adam diligently answer 10 common questions about our 401Ks.
Have questions or suggestions for a new episode? Email us at podcast@assetbuilder.com.
10 Frequently Asked 401K Questions by Motley Fool
https://www.fool.com/retirement/2017/01/14/10-frequently-asked-401k-questions.aspx
John Bogle—The Little Book of Common Sense Investing (book)
https://www.amazon.com/Little-Book-Common-Sense-Investing/dp/1119404509/ref=bmx_1/132-5129669...
2020-09-0135 minKeep it SimpleInvesting HORROR STORIESMichael and Adam react to 4 unique investing horror stories that have happened to real people. Learn about some of the darker corners of the investment world.
2020-08-1744 minKeep it SimpleFOR THE KIDS! How to start investing at a young age—and why you shouldFor the Kids! If you're a young teen looking to get a leg up on life—listen in! Michael and Adam breakdown how to get started in investing, because the name of the game is getting in early!
AssetBuilder Knowledge Center
https://assetbuilder.com/knowledge-center
Show Notes
https://assetbuilder.com/podcast
2020-08-0324 minKeep it SimpleHow Old Were You When You First Learned About Finances? How About Your Kids?Michael and Adam discuss the importance of talking to our children about investing and finance at an early age—even offering personal antidotes about how they do so with their own children.
Money habits are set by age 7. Teach your kids the value of a dollar now.
https://www.pbs.org/newshour/economy/making-sense/money-habits-are-set-by-age-7-teach-your-kids-the-value-of-a-dollar-now
Research Statistic on Financial Windfalls and Bankruptcy
https://www.nefe.org/press-room/news/2018/research-statistic-on-financial-windfalls-and-bankruptcy.aspx
Everything You Know About the Fate of Lottery Winners Is Probably Wrong, Accord...
2020-07-1539 minKeep it SimpleDo You Really Need an Investment Advisor?Michael and Adam discuss the pros and cons of investing with an advisor in contrast to investing on your own.
Vanguard—Assessing the value of advice.
https://www.vanguard.com/pdf/assessing-value-advice.pdf
AssetBuilder Knowledge Center
https://assetbuilder.com/knowledge-center
2020-07-0129 minKeep it SimpleWhy Are Stocks Still Rising Despite a Pandemic and Riots?Michael and Adam discuss why the market continues to rise amid global disrupt and media sensationalism.
Why Stocks Go Up— Even During Crisis
https://mailchi.mp/734bf65a11b2/what-you-missed-on-assetbuildercom
How the S&P is not correlated to GDP (including chart):
https://www.bloomberg.com/opinion/articles/2020-06-09/stock-market-has-almost-always-ignored-the-economy
Chart showing largest 50 day S&P Gains and what happened 6 and 12 months later:
https://markets.businessinsider.com/news/stocks/stocks-biggest-50-day-rally-what-they-did-next-past-2020-6-1029282236?
Why Haven’t Stocks Crashed During The Economic Freeze?
https://assetbuilder.com/knowledge-center/articles/why-hav...
2020-06-1524 minKeep it SimpleHow Should We, As Investors, Respond to Inflation?Michael and Adam discuss and define inflation, how it should be understood, and what that means for your investment.
US inflation Calculator:
https://www.usinflationcalculator.com/inflation/current-inflation-rates/
Are we seeing signs of deflation?
https://www.youtube.com/watch?v=X2F2Qg6m3Ic&t=649s
Inflation or Deflation—what happens next?
https://www.youtube.com/watch?v=WFiJw6QoTL4&t=697s
Knowledge Center
https://assetbuilder.com/knowledge-center
2020-06-0924 minKeep it SimpleAre We in a Recovery? How Can We Tell?Michael and Adam discuss the key indicators of a recovering economy and what that means for your investment.
NY Times Article
https://messaging-custom-newsletters.nytimes.com/template/oakv2?campaign_id=116&emc=edit_pk_20200512&instance_id=18415&nl=paul-krugman&productCode=PK®i_id=94146631&segment_id=27424&te=1&uri=nyt%3A%2F%2Fnewsletter%2F6b27f312-af62-4ac3-b058-87e81a8135a4&user_id=5feb0eea292dc4b269982e39c192c2cf
Knowledge Center
https://assetbuilder.com/knowledge-center
2020-05-2936 minKeep it SimpleShould You Retire Abroad? THE MILLIONAIRE TEACHER returnsOur regular host correspondent, Michael French, chats with world-renowned author, Andrew Hallam to discuss a whole array of investment topics, including how to retire abroad.
The Millionaire Teacher
https://www.amazon.com/Millionaire-Teacher-Wealth-Should-Learned/dp/1119356296/ref=sr_1_1?keywords=millionaire+teacher&qid=1565905064&s=books&sr=1-1
Millionaire Expat: How To Build Wealth Living Overseas
https://www.amazon.com/Millionaire-Expat-Wealth-Living-Overseas/dp/1119411890/ref=sr_1_1?keywords=millionaire+expat&qid=1564761510&s=books&sr=1-1
Website
https://andrewhallam.com/
Knowledge Center
https://assetbuilder.com/knowl...
2020-05-2049 minKeep it SimpleInterview with THE MILLIONAIRE TEACHER (Andrew Hallam)World renowned author, Andrew Hallam, and I discuss his fascinating life, how to invest for a bright future and why we should stay away form market media headlines.
The Millionaire Teacher
https://www.amazon.com/Millionaire-Teacher-Wealth-Should-Learned/dp/1119356296/ref=sr_1_1?keywords=millionaire+teacher&qid=1565905064&s=books&sr=1-1
Millionaire Expat: How To Build Wealth Living Overseas
https://www.amazon.com/Millionaire-Expat-Wealth-Living-Overseas/dp/1119411890/ref=sr_1_1?keywords=millionaire+expat&qid=1564761510&s=books&sr=1-1
Website
https://andrewhallam.com/
Knowledge Center
2020-05-0436 minKeep it SimpleUnderstanding the CARES ActThe CARES act has provided an unprecedented stimulus to the US economy. In this episode, Adam and Michael discuss the benefits in the CARES act and how those benefits may provide relief not only to individual Americans but also the impact on the overall economy. They also discuss the size of the stimulus in relation to other historic stimulus packages and explore what the potential impact may be to the economic recovery.
Retirement Withdrawals During Uncertain Times
https://assetbuilder.com/knowledge-center/articles/retirement-withdrawals-during-uncertain-times
CARES Act overview
https://home.treasury.gov/policy-issues/care...
2020-04-1628 minKeep it SimpleHow Does Our (potential) Recession Compare to Past Recessions?Michael and Adam compare our current market/economic climate with past downturns and contextualize the possible repercussions.
2020-04-0435 minKeep it SimpleWhat does COVID-19 mean for your portfolio?Michael and Adam discuss the impact of COVID-19 thus far and what that means for you as an investor.
2020-03-1729 minKeep it SimpleETFs and Mutual Funds—What's the Difference?In this short episode, Michael and Adam definitionally distinguish ETFs and Mutual Funds and discuss which one may be more appropriate for your investment.
2020-03-1512 minKeep it SimpleActive vs Passive Investing: Which is better?Some investors say they can predict the market. Others say they can't. Is there individual merit to each approach? Or is one objectively better than the other? Adam and Michael explain.
2020-03-0127 minKeep it SimpleWill the '08 Market Crash Happen Again?The US stock market has been on a huge upswing—but an inverted yield curve back in mid-2019 has left investors wondering: is a recession on the horizon? Michael and Adam discuss.
2020-02-1524 minKeep it SimpleThe Ins and Outs of AnnuitiesWhether you've contemplated annuities or maybe you're enrolled in one today, learn something new about these insurance products and what they could mean for your post-career life.
2020-02-0115 minKeep it Simple4 Common Missteps Before and During RetirementShould you continue to work in retirement? How do you make sure you rebalance correctly? How do you understand the impact of medical costs? And, when is the best time to take social security?
Michael and Adam tackle 4 common missteps in retirement.
Based on this article: https://www.investopedia.com/retirement/how-sabotage-your-retirement/
2020-01-1524 min
Keep it SimpleWill Millennials be Able to Retire?Millennials are saddled with more student debt than any previous generation. Will they be able to overcome that and retire at 65? RIA, Adam Morse, and CIO, Michael French dive in.
2020-01-0240 min