Mindset with Brad Barrett
Mindset with Brad Barrett is a show dedicated to honest, inspiring and thought-provoking conversations about money. Our goal is to unpack the truth and circumstances of how we as human beings are wired, and ultimately, bridge the gap between how we think, feel and ultimately act with our finances. Each week we’ll dive deep into a new topic to help you understand your why when it comes to money. Tune in every Wednesday for a new episode!
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How To Financially Prepare For Having A Baby?
11/17/2025
How To Financially Prepare For Having A Baby?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Having a baby is a magical experience—right up until you realize diapers cost more than the GDP of Norway. Whether you’re dreaming of starting a family or already staring at a newborn who’s loudly demanding room service at 3 a.m., getting financially prepared can make the whole adventure a lot less chaotic. From budgeting for baby gear that mysteriously multiplies overnight, to planning for unexpected “surprises” (like discovering daycare costs more than your first car), on this week’s episode we’re walking through the steps that can help you build a solid financial nest—before and after your little tax deduction arrives. Show Highlights Include: • What To Do Before They Are Born (2:15) • What To Do When The Baby Arrives (4:30) • Don't Make Drastic Changes (10:00) • Best Thing You Can Give Is Your Time (14:45) • Your Taxes Will Change (18:15) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Why Do We Get So Uncomfortable When Someone Asks Us For Money?
11/10/2025
Why Do We Get So Uncomfortable When Someone Asks Us For Money?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Few things make people squirm faster than being asked for money. Suddenly, everyone forgets how to make eye contact, checks imaginary text messages, or develops an urgent need to “run to the bathroom real quick.” If you’re one of those people don’t feel bad. You’re not alone. On this episode, we’re talking about why people get so uncomfortable when they're asked for money, and some of the psychological screws that are turning in our minds when it happens. It’s a fun conversation about our mindset with money that brings out some inspiring dialogue about the heart behind giving and what’s most important in life. Show Highlights Include: • The Favor aspect (2:30) • Beware of scammers (7:30) • The Manipulation Side (12:45) • Dealing With Our Own Struggles (13:45) • Money Is A Tool, But Not What's Actually Needed (17:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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What Is Passive Income and How Do You Get Some?
11/03/2025
What Is Passive Income and How Do You Get Some?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Ah, passive income—the magical unicorn of the financial world. It’s the idea that money could keep flowing into your account even while you’re binge-watching Netflix or pretending to be productive on a Sunday afternoon. For many, it sounds too good to be true—like a get-rich-while-you-nap scheme dreamed up by someone who’s allergic to alarm clocks. But here’s the thing: passive income is real… it just usually involves a bit of not-so-passive effort upfront. On this episode, we’re talking about everything from rental properties to digital products to the ever-alluring world of dividends, breaking down the top categories of passive income to see which one might actually let you live the dream with the least amount of work (and caffeine) Show Highlights Include: • Defining What Passive Income Is (0:45) • Investments Based Passive Income (3:15) • Asset Sharing Passive Income (6:30) • Option Of Crowd Funded Real Estate Investing (10:15) • Passive Income Through Digital Content (11:45) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Financial Conspiracy Theories: Was The Titanic Intentionally Sunk?
10/27/2025
Financial Conspiracy Theories: Was The Titanic Intentionally Sunk?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. If you hear faint ghostly wails on a cold October night, don’t worry — it’s probably just the restless spirits of millionaires who didn’t buy into JP Morgan’s banking plans. Legend (and a few very dedicated Reddit threads) say the Titanic didn’t sink because of an iceberg… it sank because of a bank. Yes, according to this delightfully chilling conspiracy, financier, tycoon, and perhaps — if you believe the legends — the ghostly godfather of the Federal Reserve, JP Morgan orchestrated the disaster to silence a few inconveniently wealthy men who opposed his plans to create the central bank of the United States. On this special Halloween episode, we’re diving into the icy waters of finance, fate, and this freaky Titanic theory, talking about the evidence that might make you change your mind about what really happened. Show Highlights Include: • What we think we know (2:00) • what the federal reserve is (5:45) • Who were the targets (7:30) • what was The Motive (9:15) • The Evidence (13:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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How To Identify The Money Disorder You May Not Know You Have
10/20/2025
How To Identify The Money Disorder You May Not Know You Have
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. If money came with a warning label, it would probably say: “Side effects may include stress, denial, reckless Amazon purchases, and hiding delivery boxes from loved ones.” The truth is, we’ve all got our financial quirks—but some of us take it to Olympic levels. From the chronic over-spenders to the savings hoarders guarding their bank accounts like dragons on a gold pile, there are a few classic money disorders most of us fall into. The good news? You don’t need a therapist or a financial exorcist to fix them. On this episode, we’re talking about the five most common money disorders—and some tips and advice that may help you trade panic and guilt for a healthier, more grown-up relationship with your cash. Show Highlights Include: • Money Avoidance Or Financial Denial (7:30) • Chrometophobia (13:15) • How To Address These Disorders (17:30) • Social Media May Be Hurting You (19:45) • Don’t Do This Alone (22:00) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. And to supersize your Mindset experience and see our lovely faces subscribe to our YouTube Channel here:
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Is Cash A Necessity For Today Or A Relic Of Yesterday?
10/13/2025
Is Cash A Necessity For Today Or A Relic Of Yesterday?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Remember cash? Those colorful bits of paper that used to live in your wallet before being replaced by a sleek piece of plastic—or, let’s be honest, your phone? These days, pulling out actual dollar bills at a checkout counter feels about as old-fashioned as paying for groceries with gold coins or trading chickens for Wi-Fi. But before we declare cash a dusty relic fit only for grandparents and conspiracy theorists, it’s worth asking: do we still need it? Or is it time to let cash retire gracefully alongside floppy disks and flip phones? On this episode, Brad asks if cash is still king, or if we’re all ready to take the plunge into a world with dollars and cents. Show Highlights Include: • Brad wishes all credit cards away (4:00) • Using Cash Makes you Think more (7:00) • Lost cash is gone forever (10:30) • Cash Tips deliver smiles…the givers high (14:30) • What’s backing the bills? (18:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Why It's Important To Agree On Finances In A Marriage
10/06/2025
Why It's Important To Agree On Finances In A Marriage
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. They say love conquers all, but that’s only because no one wants to print wedding invitations that read “’Til overdraft do us part.” You can be soulmates, finish each other’s sentences, and agree on everything from pizza toppings to pet names—but the moment one of you thinks “budget” means spreadsheets and the other thinks it means “guidelines you mostly ignore,” you’re not a couple, you’re a financial crime documentary in progress. Disagreements about money don’t just cause arguments—they often cause separations and divorces. Because nothing tests the strength of a marriage quite like discovering your spouse financed a jet ski instead of paying the electric bill. On this episode, we talk about money in marriages and the importance of being on the same page when it comes to how you save, spend and view your finances. Brad also shares some tips to keep in mind from a financial planning perspective that will can help you have a long happy marriage. Show Highlights Include: • How Money Works In Our Marriages (4:00) • Joining Money Is A Commitment (9:00) • Sharing A Life And Sharing Assets (13:30) • Money Doesn’t Lie. Believe Behavior (17:00) • Planning Is The Key To Success (22:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here: .
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How Renting Vs Buying Affects Your Retirement Plans?
09/29/2025
How Renting Vs Buying Affects Your Retirement Plans?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Trying to decide whether to buy a house or keep renting is a bit like choosing between pancakes and waffles—both can be delicious, both come with their own quirks, and everyone seems to have a strong opinion about which one is “the right” choice. When it comes to retirement, though, the decision feels less like breakfast and more like a long game of Jenga: every move counts, and one wobbly block could change the whole tower. So, should you plant roots with a mortgage or keep things flexible with rent? On this episode, Brad weights in on the debate from a financial planning point of view and gives his thoughts on how each decision can affect your long-term financial planning goals. Show Highlights Include: • Younger People Are Losing Faith In Buying A Home (4:00) • Owning Is A Good Part Of Wealth Building (9:00) • Popular Pros And Cons (11:00) • You're Not Wrong Either Way (12:45) • There's Quantitative And Qualitative Sides (16:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Is Day Trading Worth The Risks?
09/22/2025
Is Day Trading Worth The Risks?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Day trading is often pitched as the financial world’s version of extreme sports: fast, thrilling, and just dangerous enough to make your mother nervous. The promise is intoxicating—skip the 9-to-5, make money in your pajamas, and casually “retire” before lunch. But behind the glossy Instagram reels of traders on laptops by the beach lies a less glamorous reality: stress sweats, impulsive decisions, and a suspiciously strong relationship with energy drinks. The question is, are the potential rewards worth the emotional rollercoaster—or are day traders just adrenaline junkies with a brokerage account? On this episode, Brad gives his take on day trading and reveals some of the psychological pitfalls that are more likely to send the everyday trader to the poor house than the penthouse. Show Highlights Include: • Definition of a day trader (3:00) • The Day Trading Gamble (5:45) • The psychology of it (10:00) • Watch out for the hot tip (12:45) • Check Your ego at the door (15:15) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Is Investing Just Gambling Without The Casino?
09/15/2025
Is Investing Just Gambling Without The Casino?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. If you’ve ever opened a brokerage app, stared at a stock chart shaped like a heart monitor, and thought, “Am I investing, or did I just put $500 on red at the roulette table?” — you’re not alone. For many of us it feels like investing and gambling are like cousins at a family barbecue: one shows up in a suit talking about “long-term growth,” while the other is in a Hawaiian shirt yelling, “Double or nothing!” The line between the two can feel blurry, especially when your retirement plan looks suspiciously like a Vegas weekend—just without the free cocktails. On this episode, Brad tries once and for all to convince us that investing and gambling are two very different things, while Jared and Kira try to get him to finally admit they are one in the same. It’s a debate for the ages, and the winner will definitely surprise you. Show Highlights Include: • The Expected Returns (2:00) • Stocks Differ From Overall Investing (4:15) • The Stats Favor Investing (13:30) • Strategy Vs Luck (16:00) • Investing By Definition is Gambling (20:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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How Much Does Your Credit Score Actually Affect Your Life?
09/08/2025
How Much Does Your Credit Score Actually Affect Your Life?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Credit scores are like that mysterious number your parents warned you about but never fully explained—sort of like the adult version of a GPA, except instead of determining whether you get into college, it decides whether you get a car loan, a mortgage, or just a sad little store credit card with a $200 limit. They say that a “good” credit score usually means you look trustworthy enough to lenders (think financial Tinder, but without the awkward bios), while a bad one can follow you around like a bad haircut in your high school yearbook. But is that even true? Have we moved beyond caring about what your credit score is? On this episode, we’re talking all things credit scores. What is it? What a good one is and do they really matter anymore? Show Highlights Include: • What Is A Credit Score (02:00) • What's A Good Credit Score (4:15) • Do Young Adults Need Credit? (7:00) • Mid-Life Credit Importance (12:30) • Should Retirees Care About Their Credit? (13:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Title: Stock Market 101: What You NEED To Know
09/01/2025
Title: Stock Market 101: What You NEED To Know
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. If you’ve ever looked at the stock market and thought, “This looks like Vegas, but with fewer slot machines and way more people in suits sweating over coffee,” you’re not alone. To many, the stock market seems like a giant marketplace where people buy and sell tiny pieces of companies—like trading Pokémon cards, except instead of a shiny Charizard, you’re trying to snag a share of Apple before your uncle’s “hot tip” crashes faster than his fantasy football team. But unlike Pokémon, there are real risks: you can win big, lose big, or, most likely, end up somewhere in between wondering why you didn’t just stick with index funds and a savings account. On this episode, Brad walks the team through a crash course in the stock market, why we all should be investing in it, and talks about some of the risk factors that everyone needs to know about before buying. Show Highlights Include: • Stock Knowledge Stats (03:15) • What Is The Stock Market (5:20) • Defining Dividends (6:15) • Choosing Company Stocks (9:30) • Knowing The Risks (14:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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How to Choose the Best Savings Accounts for Your Money
08/25/2025
How to Choose the Best Savings Accounts for Your Money
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Picking the right savings account can feel a lot like online dating: they all promise security, growth, and a bright future together, but the fine print can make or break the relationship. High-yield savings? That’s your money hitting the gym. Certificates of Deposit? That’s your money in a serious long-term relationship—no breakups allowed. Traditional savings? That’s the dependable friend who’s always available but never picks up the check. The key isn’t just knowing who’s out there—it’s knowing the best time to swipe right on each account. On this week’s episode, the team walks through your choices and discusses when to use each one, so your cash grows instead of just sitting there like the treadmill you swore you’d use. Show Highlights Include: • Do You Know Your Interest Rate? (03:30) • Savings Or Money Market Account (5:00) • Cds? Yes, Please (8:30) • HSA To The Rescue (11:30) • Do I Even Need A Savings Account (16:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Should You Replace Your Financial Advisor with A.I.?
08/18/2025
Should You Replace Your Financial Advisor with A.I.?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. If you’ve ever wondered whether to trust your life savings to a warm-blooded human in a suit or a cold, unblinking algorithm that dreams in ones and zeros, you’re not alone. On one hand, financial advisors can offer a reassuring smile, a firm handshake, and occasionally a story about “that one time in ’08.” On the other, AI doesn’t need coffee breaks, doesn’t judge your avocado-toast spending habits, and can crunch more numbers in a second than your accountant has in their lifetime. But when it comes to growing your money, which one will actually have you sipping cocktails on the beach instead of eating instant noodles in retirement? On this week’s episode, Brad stands up for all his CFP brethren and states his case to why human financial advisors will always win out over the AI insurgence. Show Highlights Include: • Numbers Vs Nuisance (04:00) • Behavior Beats Brilliance (6:00) • Planning Is Personal (10:15) • Tools Vs Trust (12:30) • Do We Actually Trust Ai (17:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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How To Protect Your Accounts From Hackers And Scammers
07/28/2025
How To Protect Your Accounts From Hackers And Scammers
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Let’s face it—keeping your money safe these days feels a bit like guarding a cookie jar in a room full of toddlers hopped up on sugar. We’ve heard the horror stories: from people who clicked one “urgent” email and ended up buying a broken-down lawnmower in Latvia, to those who thought “123456” was a solid password choice (spoiler: it’s not). Hackers and scammers are out there, lurking behind fake login screens and suspicious phone calls, just waiting to turn your savings into their vacation fund. But don’t panic! On this week’s episode, we’re handing out some simple—and seriously effective—tips to help you keep your accounts safer than a pork sandwich at a vegan barbecue. Show Highlights Include: • They Scammed My Grandma! (00:45) • Credit Cards Over Debt Cards (4:30) • Don't Use All The Same Passwords (8:15) • Don't Use Unsecured WiFi (14:45) • Check Those Accounts (17:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Six Questions Your Financial Advisor Should Be Asking You
07/21/2025
Six Questions Your Financial Advisor Should Be Asking You
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Picking a financial advisor shouldn’t feel like a blind date with your retirement on the line—but for many people, it kind of does. You sit across the table, nodding along as they throw around words like “diversification” and “risk tolerance,” while you silently wonder if they actually get you—or if they just really like spreadsheets. The truth is, a good financial advisor should be asking the right questions, not just selling you a cookie-cutter plan. On this week’s episode, we’ll help you figure out if your advisor is The One (financially speaking) by giving you six questions they should be asking—because if they’re not, it might be time to swipe left. Show Highlights Include: • Communication With Your Advisor (5:30) • Can You Tell Me About Yourself (7:15) • Talking About Your Pain Point (9:00) • How Will You Use Your Assets (13:10) • How Much Is Enough (15:45) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Winners And Losers Of The Big Beautiful Bill
07/14/2025
Winners And Losers Of The Big Beautiful Bill
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. President Trump has just unveiled his latest legislative masterpiece: the One Big Beautiful Bill™ — a bill so long, so dense, and so packed with random capitalized words, it makes War and Peace look like a tweet. Clocking in at roughly the length of the Old Testament and the weight of a small child when printed, this bill covers everything from taxes to TikTok to toaster regulations. No one—not lawmakers, not analysts, not even Trump himself—has actually read the whole thing. But don’t worry, we did the heavy lifting so you don’t have to (you're welcome). On this week’s episode, we’re walking through some key highlights of the bill that we think everyone should know, and breaking down who’s coming out ahead and who’s being left behind. Show Highlights Include: • Status Of 2017 Tax Bill (6:00) • Temporary Cuts (7:15) • Clean Energy Debate (14:00) • Raising the Debt Ceiling Again? (19:45) • Some Winners and Losers (22:45) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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What To Do With Your 401k After Getting Fired
07/07/2025
What To Do With Your 401k After Getting Fired
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. So, you just got fired—congrats! You’re now the proud owner of a surprise vacation and a 401(k) that’s wondering what it did to deserve this. While your inbox is eerily quiet and your sweatpants are seeing more action than your resume, your retirement accounts are still on the clock. Before you binge-watch job-search TikToks or attempt to become a sourdough influencer, take a deep breath and pay attention. On this week’s episode, we’ll walk you through what to do with your retirement accounts post-firing, plus some clever (and legal!) ways to stretch your dollars until your next gig rolls in. Show Highlights Include: • Recently Fired...You're Not Alone (4:30) • Know Where You Are In Life (9:15) • A Real-Life Scenario (13:45) • Selling Off Assets (15:15) • 401k Rollover Options (17:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Do I Need A Side Hustle?
06/30/2025
Do I Need A Side Hustle?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. In today’s fast-paced and increasingly expensive world, more Americans than ever are turning to side hustles to supplement their income, pursue passions, or gain financial freedom. But with the rise of gig work, freelance opportunities, and online businesses, the question arises: Do you need a side hustle? On this week’s episode, we’ll explore whether a side hustle is right for you, and if it’s actually worth it. And for you those of you dead set on doubling your workload we’ll give you some of the best side hustles in America right now. Show Highlights Include: • Side Hustle Stats (4:00) • Are Careers A Thing Of The Past? (6:30) • Are We Paying More For Things Than Our Grandparents? (8:30) • Know Your Why (14:30) • Top Side Hustles In The US (20:45) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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I Lost Everything In A Fire. How Do I Financially Recover?
06/23/2025
I Lost Everything In A Fire. How Do I Financially Recover?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Losing everything in a fire or natural disaster is a devastating experience—one that leaves not only emotional scars but also significant financial challenges. As a financial advisor, I’ve worked with many individuals who faced the overwhelming task of rebuilding their lives from the ground up. This is also a topic close to my heart, as my family lost a home in the Lahaina fires back in 2023. So, on this week’s episode, we’re going to walk you through some key strategies and tips that will get you back on the road to recovery and help you regain financial stability. Show Highlights Include: • Natural Disasters On The Rise (5:00) • FEMA First (8:00) • Using A Home Equity Line (12:15) • More Emergency Funds Needed (13:30) • Rethinking My Retirement Strategy (17:25) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Why Do Financial Advisors Hate Cryptocurrency?
06/16/2025
Why Do Financial Advisors Hate Cryptocurrency?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. If you’ve ever watched a financial advisor talk about cryptocurrency, you may have noticed a twitch in their left eye and a mysterious increase in blood pressure. It's not an allergy—unless you count allergic reactions to volatility, memes, and 22-year-olds getting rich off dog coins. For the average advisor, crypto represents everything they’ve warned you about in PowerPoint presentations: unregulated, unpredictable, and entirely too influenced by Elon Musk’s Twitter account. So, buckle up, because on this episode we dive into why that big vein bulges on the foreheads of financial advisors every time someone says, “Should I invest in Bitcoin?” Show Highlights Include: • Who’s Buying Crypto (5:00) • We Don’t Like High Volatility (11:00) • Everyone's Talking About XRP (14:30) • Unproven Track Record Scares Us (17:30) • We Like Security (21:45) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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How To Talk To Your Kids About Money
06/09/2025
How To Talk To Your Kids About Money
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Let’s face it—kids think money grows on trees, lives in your wallet, and magically appears every time you swipe a card. To them, an ATM is just a vending machine for grown-ups. “Why can’t you just go get more money?” they ask with the financial wisdom of a goldfish. And for most parents, talking to their children about money is about as fun as getting a root canal in the middle of an insurance seminar. But here’s the thing: if we don’t teach our kids about money, the world will—and the world charges interest. Whether you like it or not you’re probably overdue for The Talk. No, not that talk. The other dreaded, awkward one: the Money Talk. But fear not! On this episode, we're here to help you turn awkward money convos into fun, empowering lessons with five practical (and sanity-saving) tips to help you teach your kids about money. Show Highlights Include: • Teens Want To Be Taught (1:45) • Meet Them Where They Are (5:00) • Teach With Chores (6:30) • Values Over Figures (11:00) • Learning While Bonding (16:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Are You Ready For A Recession?
06/02/2025
Are You Ready For A Recession?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Is the economy in a recession, or is it just having a dramatic moment like that one friend who "can't even" every time Mercury's in retrograde? You turn on the news and hear words like "downturn," "market volatility," and "tightening fiscal policy" — but all you really want to know is whether it’s time to start stuffing cash under your mattress or if you can still afford guac at Chipotle. Fear not, my financially anxious friends! On this episode, we’re decoding the signs that scream “Yep, it’s a recession” (or at least whisper it passive-aggressively), and more importantly, sharing some smart, simple tips to help you protect your retirement accounts from the recession that pundits keep prognosticating. Show Highlights Include: • Definition Of A Recession (1:30) • Do We Need Recessions? (3:45) • Primary Indicators (5:15) • Secondary Indicators (8:30) • Tips To Protect Your Money (12:45) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Navigating the Emotional Rollercoaster of Wealth and Loss
05/26/2025
Navigating the Emotional Rollercoaster of Wealth and Loss
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. When it comes to how our money affects our lives, let’s be real, it’s basically a game of emotional ping-pong where the ball is your sanity and too often the paddle is your poor decision making. One minute you hit the lottery and you’re buying gold toilets and Ferrari’s for your 50 closest friends, and the next you’re selling your kidney and the naming rights of your first-born son because you bet big on a meme coin that turned out to be a scam. No one is immune to making bad decisions when dealing with the highs and lows of making and losing money. On this episode, we’re talking about how to stay emotionally sane and make good decisions when life throws financial curveballs and greenback bonanzas at your face. Show Highlights Include: • You’re Not Alone In Your Stress (3:00) • Dealing With The Lows (6:30) • Managing The Stress (10:15) • Riding the Highs (12:30) • Pay It Forward (19:15) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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How To Protect Your 401k From A Market Crash
05/19/2025
How To Protect Your 401k From A Market Crash
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. If your retirement dreams involve sipping margaritas on a beach, not clipping coupons in your basement bunker, then listen up—because nothing says “plot twist” like a stock market crash turning your 401(k) into a 201(k). One minute you’re picking out beachfront condos on Zillow, the next you’re Googling “how to live off ramen and government cheese.” But fear not! On this episode, we dive into the history of stock market crashes and uncover three tips that will help protect your retirement to make sure your nest egg doesn’t get scrambled. Show Highlights Include: • Brief History Of US Crashes (5:00) • Diversification (8:00) • Dollar-Cost Averaging (9:30) • Convo With The President (10:45) • What Are You Actually Afraid Of? (20:00) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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You receive a million dollars…what do you do?
05/12/2025
You receive a million dollars…what do you do?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. So, maybe you just inherited a million dollars, or you hit the lottery…either way—congrats! You're now officially rich enough to make terrible financial decisions in style. Before you go full yacht-shopping, start tipping baristas in gold doubloons, or invest in your cousin’s “guaranteed” llama-themed NFT startup, take a breath and pay attention. On this episode, we talk about how to keep that cash from disappearing faster than your relatives when it was your turn to pick up the dinner tab—and maybe even grow it into more millions (yes, plural). Show Highlights Include: • Inheritances by the numbers (1:45) • Paying off your debt (5:15) • Invest it (6:45) • Treat Yourself (10:30) • Understanding the taxes (12:30) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Is A Financial Advisor Really Worth It?
04/23/2025
Is A Financial Advisor Really Worth It?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Let’s face it—most of us have, at some point, looked at our bank account and thought, “Well, that can’t be right.” Managing money can feel like trying to solve a Rubik’s Cube blindfolded, while riding a unicycle... on fire. Enter the financial advisor: part money whisperer, part life coach, part magician (hopefully without the disappearing act). But with countless apps, YouTube gurus, and your cousin Dave who “knows a guy,” do you really need to pay someone to tell you not to buy that fourth air fryer? On this episode, we’ll break down whether hiring a financial advisor is a smart investment—or just another line item in your budget to stress about. Show Highlights Include: • Do It Yourself On The Rise (3:30) • The Financial Advisor’s Advisor (5:30) • Portfolio Management (7:15) • Behavior Coaching (8:35) • Advanced Planning(10:00) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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Do You Know What You’re Really Worth?
04/16/2025
Do You Know What You’re Really Worth?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. What is a human life truly worth? It’s a question that has echoed through history, from philosophical debates to courtroom arguments, insurance policies to ethical dilemmas. Too often, society tries to assign a dollar value to life. But is there something deeper beneath the market value of our body parts and potential earnings? On this episode, we’re exploring the true value of a human life, talking about what truly makes us valuable. And, more importantly, revealing why we believe understanding your worth might just change the way you live, relate, and make financial decisions. Listen Now! Show Highlights Include: • Value On An Elemental Level (3:15) • The Price of Organs (5:45) • The Total Cost Of Our Parts (10:45) • You Are Priceless (13:00) • Why Knowing Your Worth Matters (15:15) To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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How To Invest in Your Twenties
04/09/2025
How To Invest in Your Twenties
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. So, you’re in your twenties—that magical time when you're expected to build a career, maintain a social life, drink enough water, and somehow understand the stock market, all while still Googling “what is a 401(k) and do I need one?” Well, fear not my financially confused friend. On this episode, we’re giving away free tips from the pros on how to start building wealth before your back starts hurting for no reason. And as a bonus, we’re sitting down with the Pat Bowen, the president of One Capital Management, a massively successful financial advising firm, to hear his best advice for investing in your twenties. Listen Now! Show Highlights Include: • Managing Your Debt (2:30) • Define Your Goals (3:30) • Must Dos In Your 20s (6:00) • Investing Isn’t Gambling (12:00) • Conversation With The President (15:00) To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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DOGE: What Are They Doing And Should I Be Doing It Too?
04/02/2025
DOGE: What Are They Doing And Should I Be Doing It Too?
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. In the vast wilderness of internet slang, "DOGE" has evolved from the playful face of a Shiba Inu grinning in Comic Sans to a powerful government agency with an ambitious quest to streamline federal operations. Is it a meme, a mission, or just a barking mad idea? On this episode, we’re diving deep into the world of government spending to find out what DOGE really is, what they are doing, and asking if there’s any lessons we can learn from them about how we look at our own finances. Show Highlights Include: • Defining DOGE (1:30) • Are They On To Something? (3:00) • Do We Need DOGE? (6:00) • The Numbers Don’t Lie (9:30) • Our Opinion (13:00) Listen Now! To schedule your complimentary retirement track review, head to . You can also call us at 805-409-8150. To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here:
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