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 Master The Financial Lessons You Should Have Learned In High School
01/26/2026
How To Master The Financial Lessons You Should Have Learned In High School
We all learned a lot of things in high school… a lot of things we don’t really use in our adult life. What it did notteach many of us was how to file taxes, build credit, avoid overdraft fees, or figure out why your bank app suddenly looks angry at you. Somehow, we all graduated knowing the mitochondria is the powerhouse of the cell, but not how interest works on a credit card. So, let’s fix that. These are the real-world financial lessons you actually need, the ones that should’ve come with your diploma but didn’t, so you can stop Googling “why am I broke?” and start mastering your money like the responsible adult you were promised you’d become. Show Highlights Include: • Budgeting: The 50/30/20 Rule (2:30) • Learn The Basics Of Investing (5:45) • You Have To Know How Compound Interest Works (8:15) • Understanding How Credit Works Matters (11:00) • Know Your Tax Brackets (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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Where did all the pensions go and how you can still find one?
01/19/2026
Where did all the pensions go and how you can still find one?
Once upon a time, there was a magical creature known as the full pension where a company would pay your full salary for the rest of your life after you retire. Today, instead of guaranteed checks for life, most of us are handed a retirement plan consisting of a handshake and a heartfelt “good luck.” So where did all the pensions go, what replaced them, and—more importantly—where can you still find one? On this episode we’re answering those questions and giving you some tips about where you can still bag one of those elusive unicorn pensions. Show Highlights Include: • Differences In Funding A Pension And 401k (3:00) • Two Types Of Pensions (6:30) • Why Companies Started Eliminating Pensions (8:00) • The Rise Of The 401k (14:00) • Industries That Still Offer Pension Plans (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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2026 Financial Predictions: Forecasting Markets, Housing, A.I. and More!
01/12/2026
2026 Financial Predictions: Forecasting Markets, Housing, A.I. and More!
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. If you’ve ever wished for a crystal ball that could tell you what your money is about to do, good news — the big banks have been squinting into theirs and making some educated guesses on everything from stock market moves and federal interest rates to whether your dream house will finally stop playing hard to get. They’re also forecasting how artificial intelligence will continue quietly taking over our spreadsheets, schedules, and possibly our jobs. So, sit back, relax and enjoy yourselves as we postulate, prognosticate and ponderate what may be in the coming year. Show Highlights Include: • What experts use to forecast the year (2:30) • Predictions from Goldman Sachs (4:30) • What AI might do this year (8:00) • Housing Market on the rise? (13:30) • Renters might be getting a break (16:15) 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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Five Resolutions To Help You Finally Get Your Finances In Order In 2026
01/05/2026
Five Resolutions To Help You Finally Get Your Finances In Order In 2026
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. The dawning of 2026 brings in a renewed sense of possibility — a fresh chance to reset, refocus, and finally take control of the areas of life that matter most. For many of us, our finances sit at the top of that list, carrying the weight of old habits, lingering stress, and goals that never quite made it past January. But this year can be different. With the right intentions and a clear plan, small, meaningful changes can add up to lasting financial confidence. That’s why we’re kicking off the new year with five resolutions that will help you finally get your finances in order and put you on a path toward financial stability and peace of mind that lasts well beyond the year ahead. Show Highlights Include: • I'm going to have a budget pattern (2:15) • I'm going to stick with a plan this year (6:30) • I'm not going to take on any new debt (10:15) • I'm going to be prepared for anything this year (12:45) • I'm going to increase my income this year (14:45) 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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'Twas the Night Before Christmas: A Financial Planning Tale
12/22/2025
'Twas the Night Before Christmas: A Financial Planning Tale
Well, it’s finally here…the most wonderful time of the year. With the kids jingle belling and everyone telling you to "be of good cheer.” There’s a special kind of magic that settles over the world during the days leading up to Christmas day, a twinkling blend of excitement, hope, and the joyful anticipation of what tomorrow might bring. As we celebrate the yuletide, we’re reminded that the true magic isn’t found under the tree, but in the moments and connections that make our hearts feel full. And for us those connections have been made through this channel with our viewers. And to say thank you for all the likes, comments, and good times we present one of the most beloved holiday poems of all time…with a special Mindset twist.
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How To Tell The Difference Between A Good Company And A Good Investment
12/15/2025
How To Tell The Difference Between A Good Company And A Good Investment
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Just because you love a company doesn’t mean investing in it will turn you into the next Warren Buffett. You might think their products are life-changing — maybe they saved you from bad hair days or brought you the softest sweatpants known to humankind — but that doesn’t automatically mean their stock will buy you a yacht someday. The financial world is full of great companies that don't always make for the best investments… and a surprising number that feel sketchier than a midnight infomercial but somehow make their shareholders money. So, on this episode, we’re talking about how to tell the difference and giving out some tips to help you tell the difference between a brand you adore and a business that can actually grow your wealth. Show Highlights Include: • A Good Investment Company is… (2:30) • Beware Of FOMO...Fear Of Missing Out (5:30) • Look At Price To Earnings (10:00) • Fundamentals Are The Key (14:00) • Look For Competitive Advantage (17:00) 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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How to Protect Your Lottery Winnings: Tips for Keeping the Cash
12/08/2025
How to Protect Your Lottery Winnings: Tips for Keeping the Cash
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Winning the lottery feels like the universe just handed you a golden ticket to Easy Street—until you take a closer look and realize it actually comes with fine print the size of a CVS receipt. Yes, you may have imagined yachts, mansions, and dramatically quitting your job, but the truth is… Between taxes, fees, long-lost “relatives,” you’re not going to keep nearly as much of that jackpot as you think. On this episode we’re talking about a few smart steps to take to make sure you actually keep your winnings. And the best part? These lessons don’t just apply to lottery winners—anyone expecting a big payout, like a pension lump sum, can use the same strategies to protect their money and avoid becoming the star of a financial horror story. Show Highlights Include: • The story of Brad's dad winning the lottery (3:15) • Pensions work the same way (5:30) • Cons of annuity...no control over the money (10:30) • Age can matter when choosing lump or annuity (13:30) • If you win don't buy anything right away (17:00) 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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Top Tax Tips to Do Before 2025 Ends for a Bigger Refund in 2026
12/01/2025
Top Tax Tips to Do Before 2025 Ends for a Bigger Refund in 2026
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. It’s that magical time when financially responsible adults everywhere start asking themselves the big question: “How can I avoid donating half my paycheck to the IRS next year?” While most people would rather dream about sugar plum fairies dancing around the Christmas tree than think about taxes, a little planning before the end of 2025 can turn filing in 2026 from a horror movie into a warm feel-good rom-com where you end up high-fiving yourself for being a tax genius. Whether it’s maxing deductions, topping off your IRA, or finally figuring out what your accountant has been hinting at for years, we’re handing out the top tax tips you’ll want in your back pocket before the year wraps up—so you can keep more of your money in 2026. Show Highlights Include: • Top Off Those Retirement Accounts (3:30) • Tax Loss Harvesting (6:30) • Itemizing Starts This Year (9:30) • Roth Maybe Not The Way To Go (14:45) • Kira's Biggest Takeaway (17:45) 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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Holiday Money Talks: How to Discuss Finances With Family (Without Starting a Fight)
11/24/2025
Holiday Money Talks: How to Discuss Finances With Family (Without Starting a Fight)
Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Ah, the holidays — that magical time of year when families gather to eat, laugh, exchange gifts, and absolutely avoid talking about anything remotely related to money. Mention budgets at Thanksgiving and suddenly everyone’s gotta get fresh air. Bring up spending habits at Christmas and you might get a handful of yams thrown at your face. But here’s the thing: the holidays are actually the perfect time for healthy, low-stress money conversations… as long as you don’t start them with, “So, who here is terrible with money?” From gentle talks about gift budgets to discussing future plans without triggering a full-blown family feud, this week we’re talking about how to keep your holiday season both financially smart and argument-free. Show Highlights Include: • Talking To Older Children (3:15) • Preventing Fighting In Future (7:30) • No Estate Is Bulletproof (10:30) • Having Conversations Is A Good Thing (13:30) • Don't Be Afraid To Ask For Help (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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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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