Creating Wealth
Creating Wealth brings you information and clarity to the world of investing and personal finance with your hosts, Anastasia Taber, CERTIFIED FINANCIAL PLANNER™, and Bill Taber, an investment advisor with over 40 years experience. The father-daughter pair answers your questions on how to invest, the psychological mindset it takes to create wealth, and dissects what you need to know about emerging financial trends.
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The 4 Money Beliefs That May Rule Your Life: A Re-Release
03/27/2026
The 4 Money Beliefs That May Rule Your Life: A Re-Release
What if the biggest obstacle to building wealth isn't what you know, but what you believe? This is one of our most downloaded episodes ever, and we're bringing it back because three years later, it's more relevant than ever. In this conversation, Anastasia and Bill break down the four money beliefs, also called money scripts, that most of us picked up in childhood, long before we had any real experience with money. Because they formed so early, most people don't even know they have them. They cover: Money avoidance: the belief that money is bad, that you don't deserve it, or that good people shouldn't want it Money worship: the belief that more money will solve everything, leading to chronic overspending or overworking Money status: tying your self-worth to your net worth, and what that quietly does to your financial decisions Money vigilance: the anxious, secretive relationship with money that can lead to under-spending even when you can afford more Understanding which of these scripts is running in the background of your financial life is the first step to changing it, and this episode will help you figure out exactly that. Originally released March 3, 2023. Re-released because some conversations are worth having twice. Creating Wealth is hosted by Anastasia Taber, CFP®, and her father Bill Taber, a 40+ year investment advisor. New episodes every other Friday.
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The Richest Man in Babylon: The 7 Money Principles That Still Work 100 Years Later
03/13/2026
The Richest Man in Babylon: The 7 Money Principles That Still Work 100 Years Later
What if the best financial advice ever written came from ancient Babylon and was published exactly 100 years ago? In this episode, Anastasia and Bill walk through the seven money principles from George S. Clason's classic The Richest Man in Babylon and break down why every single one of them still holds up in 2026. Bill has had his own handwritten notes from this book for decades, and today he brings them to the conversation. They cover: Pay yourself first — why 10% before anything else is the non-negotiable foundation of wealth, and what actually gets in the way Control your expenditures — the difference between what you need, what you want, and what you think you're supposed to have Make your money multiply — what compounding actually looks like over a lifetime, and where to start if you feel like you have nothing to invest Guard your money from loss — what Clason called "romantic desires in investment," and what that looks like today (hint: you've seen it on social media) Own your home, insure your future income, and increase your ability to earn — which of these three is the most underrated in 2026, and why Anastasia and Bill don't agree They also explore a bigger question: Did George Clason understand the psychology of money before behavioral finance was even a field? Whether you've read the book or never heard of it, this episode will leave you with at least one principle you can act on this week. Enjoyed this episode? Subscribe on Apple Podcasts or Spotify, and share it with someone in your life who needs to hear it: a friend who's been putting off their finances, a young adult just getting started, or anyone who could use a reset on how they think about money.
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Should You Rebalance Quarterly? Why Calendar-Based Rebalancing Might Cost You Returns
02/27/2026
Should You Rebalance Quarterly? Why Calendar-Based Rebalancing Might Cost You Returns
How often should you rebalance your investment portfolio? If you Google this question, you'll find the standard answer: quarterly or annually. But what if that advice doesn't fit YOUR situation? In this episode, father-daughter advisor team Bill and Anastasia Taber tackle the rebalancing debate: Questions answered: ✓ What is portfolio rebalancing and why does it matter? ✓ Why do passive investors rebalance on a calendar schedule? ✓ What does academic research say about rebalancing benefits? ✓ When should you break the quarterly rebalancing rule? ✓ How do taxes change your rebalancing strategy? ✓ Should you rebalance differently in your 401(k) vs. taxable account? ✓ What's the difference between rebalancing for passive vs. active investors? The surprising truth: Without rebalancing, a 60/40 portfolio can drift to 80%+ stocks, creating way more risk than you intended. But rigid calendar-based rebalancing isn't the only solution. And for some investors, it's not even the best one. Anastasia (CERTIFIED FINANCIAL PLANNER™) and Bill (40+ years managing client money) explain why they don't follow conventional rebalancing advice, share real examples of when calendar rebalancing hurts returns, and reveal the tax implications many investors miss. Your takeaway: A clear framework for deciding how often YOU should rebalance based on your investment style, tax situation, and time horizon. Perfect for DIY investors, those working with advisors, or anyone trying to build a smarter investment strategy. Subscribe for behavioral finance insights and practical financial tips. New episodes every other Friday.
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AI, Crypto & Market Chaos: Back-to-Basics Wealth Building for Millennials
02/13/2026
AI, Crypto & Market Chaos: Back-to-Basics Wealth Building for Millennials
Bitcoin dropped from all-time highs. AI agents are making headlines. Ray Dalio is warning about a once-in-a-generation debt cycle. So what should you actually do with your money right now? In this episode, we cut through the noise to help millennials navigate today's volatile markets. We break down what's really happening with crypto, investor sentiment, and the AI revolution, and why the fundamentals of wealth building matter more during uncertainty, not less. Here's what we cover: Why investor sentiment above 70% is a historical warning sign Ray Dalio's Big Cycle Framework and what Stage 5 means for your money The AI boom: Separating what's interesting vs. what's actually actionable for your portfolio How to handle FOMO around AI stocks and crypto We end with an action plan to protect your financial future Whether you're wondering if you should sell everything, go to cash, or YOLO into AI stocks, this episode gives you the perspective and discipline to stay the course when headlines are screaming at you to panic. Boring works. Boring wins. And this episode explains why. Remember to subscribe, leave a review, and share this episode with someone who could benefit. For future podcast topics, you can email us at . Related Episodes
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Thinking Rich vs. Thinking Poor: 5 Mindset Shifts to Rewire Your Wealth Thermostat
01/30/2026
Thinking Rich vs. Thinking Poor: 5 Mindset Shifts to Rewire Your Wealth Thermostat
Why do lottery winners often end up broke within three years? Why do you suddenly face an unexpected car repair the moment you get a raise? It’s not bad luck—it’s your Money Blueprint. In this episode, we dive deep into the psychology of wealth with a breakdown of T. Harv Eker’s classic book, Secrets of the Millionaire Mind. We explore the groundbreaking premise that financial success is 80% psychology and only 20% mechanics. You can know everything about stocks and real estate, but if your internal "financial thermostat" is set to "struggle," you will subconsciously sabotage your own growth. In this episode, we cover: The "Financial Thermostat": Why you are subconsciously programmed to earn a specific amount of money (and how to reset it higher). Interest vs. Commitment: The difference between "wanting" to be rich and doing what is required. The 5 Wealth Files: The specific mindset shifts millennials need to make, including: Victim vs. Creator: Stopping the blame game to take 100% responsibility. Offense vs. Defense: Why playing "not to lose" keeps you stuck in the middle class. Net Worth vs. Working Income: Why high earners often have low wealth. The Rewiring Process: A practical 5-step system (Awareness, Understanding, Disassociation, Declaration, Action) to uninstall your limiting beliefs. The 7-Day Challenge: How to use physical declarations to change your internal programming this week. If you feel like you are working hard but staying in the same financial place, this episode will show you how to stop fighting your results and start changing your roots. Remember to subscribe, leave a review, and share this episode with someone who could benefit. For future podcast topics, you can email us at .
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The 2026 Budget Refresh: Funding Your Future Self & The Keep, Kill, Pivot Method
01/16/2026
The 2026 Budget Refresh: Funding Your Future Self & The Keep, Kill, Pivot Method
Is your New Year's resolution to "spend less"? We think you can do better. In this episode, we ditch the restrictive "financial diet" mentality and focus on a Value-Based Audit for 2026. Budgeting isn't just about math; it's about alignment. We share our personal year-end spending reviews (the good, the bad, and the surprising) and introduce a new framework to help you design a budget that funds your "Future Self" rather than your past habits. In this episode, we cover: The Personal Audit: What we learned from our own spending in 2025. Keep, Kill, Pivot: A 3-step framework to audit your expenses without the guilt. The "Million-Mile Mindset": Why driving your car into the ground is the ultimate "Creating Wealth" hack. The "Grace Clause": Why most January budgets fail by February, and what system you need to stay on track when life happens. Spending Truisms: Why "what gets measured, gets managed" is still the golden rule of personal finance. Whether you are looking to pay off debt or simply align your spending with your values, this episode is full of specific advice and wisdom to help you have a successful financial year ahead. Don't forget to subscribe, leave a review, and share this episode with someone who could benefit. For future podcast topics, you can email us at .
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The Financial Mental Load: Why You’re Too Tired to Budget & How to Stop the "Bandwidth Tax"
01/02/2026
The Financial Mental Load: Why You’re Too Tired to Budget & How to Stop the "Bandwidth Tax"
Are you "bad with money," or are you just exhausted? If your brain feels like a browser with 100 tabs open, you are likely carrying a heavy mental load. While we often talk about mental load regarding chores or parenting, there is a Financial Mental Load, the invisible worry, planning, and remembering, that is silently sabotaging your bank account. In this episode, we explore why burnout is not just an emotional issue; it is a financial one. We break down why smart, capable professionals struggle to stick to a budget and how decision fatigue leads to expensive impulse buys and "convenience costs." In this episode, you will learn: The "Bandwidth Tax": Why having a full to-do list literally lowers your financial IQ and leads to poor money decisions. The "Ostrich Effect": Why we ignore our bank accounts when we are stressed and how to break the cycle of avoidance. Revenge Bedtime Procrastination: The psychology behind why we stay up late shopping online to regain a sense of control. The "Financial Uniform": How to reduce decision fatigue by standardizing your money choices. Systems Over Willpower: Tools to automate your finances so they work even when you are running on empty. Stop beating yourself up for being tired. Tune in to learn how to lower your mental load and build a financial system that supports you, rather than drains you. Listen now and don’t forget to subscribe, share, or leave a review to help others discover tools for financial growth and emotional well-being. For future podcast topics, you can email us at .
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Why Gratitude is the Ultimate Currency: Your Messages of Abundance & Thanks
12/19/2025
Why Gratitude is the Ultimate Currency: Your Messages of Abundance & Thanks
It’s our favorite tradition of the year! In this special holiday episode, we step away from the spreadsheets and stock charts to focus on the "mental game" of money: Gratitude. We believe that an Abundance Mindset is critical for financial success. When you appreciate what you have, you make better spending decisions, feel less financial stress, and build wealth from a place of confidence rather than fear. Today, we are reading anonymous messages from our listeners, friends, and family sharing their wins, reflections, and moments of thanks from 2025. From big financial milestones to the quiet moments that matter most, these stories define what it truly means to be wealthy. In this episode, we celebrate: Real-life stories of resilience and growth from the Creating Wealth community. A list of questions that help you incorporate the process of gratitude into your life. Why reflection is the most important step in year-end financial planning. Listen now and don’t forget to subscribe, share, or leave a review to help others discover tools for financial growth and emotional well-being. For future podcast topics, you can email us at .
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The Invisible Costs: Why Cognitive Biases (Not Math) Are Ruining Your Financial Decisions
12/05/2025
The Invisible Costs: Why Cognitive Biases (Not Math) Are Ruining Your Financial Decisions
Don't let your emotions and 'mental shortcuts' sabotage your financial future. This is the essential deep-dive into the Invisible Costs of Cognitive Biases and the behavioral finance secrets that cost millennials thousands in lost savings and poor investing decisions. If you know the basics of personal finance but still struggle with execution, this episode is for you. We move beyond "Behavioral Finance 101" to uncover the sneaky biases that drain your net worth without you realizing it. In this episode, you will learn: Restraint Bias: Why relying on "willpower" is the most expensive financial strategy you have, and how to fix it. How the power of inertia (Status Quo Bias) is costing you How Recency Bias and Social Proof are destroying long-term asset allocation and distorting your sense of "enough." Mental Accounting: How 'bucketing' affects your total wealth-building. The Anti-Bias Toolkit: Actionable defense mechanisms like the Ulysses Contract, Friction Design, and automating your finances to defeat Decision Fatigue. Your financial plan is only as strong as your psychology. Tune in and learn how to recognize and neutralize these unconscious errors to make clearer, more grounded money decisions starting today. Special Note: It’s that time of year again! We are about to record our annual gratitude episode which we’ve done every year since we began the podcast, and we need YOUR messages. We find it’s a wonderful way to end the year and remind ourselves of what truly matters. If you’ve never submitted a message before, we highly encourage you to send us one this year. If you’ve submitted one in the past, we’d love to hear an update on how your last year has gone. You can send them to us on our social media, by PMing Anastasia or by emailing us at . Please submit them as soon as possible – by Friday December 12th. We can’t wait to hear from you! Related Episodes:
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Bubbles & Chatbots: What You Really Need to Know About AI in 2025
11/21/2025
Bubbles & Chatbots: What You Really Need to Know About AI in 2025
Artificial intelligence is evolving at lightning speed, but how do you separate innovation from the hype? And what does any of this mean for your daily life, your privacy, and your investment decisions? In this episode, we break down the biggest AI breakthroughs since our last update and explore how everyday people can use chatbots without feeling overwhelmed. We cover simple AI use cases, the strategies that make AI far more powerful, and the biggest risks to watch out for when using AI casually, especially around privacy and financial tools. We also dig into the headlines about AI stocks, sky-high valuations, and whether we’re entering bubble territory…or just seeing noise. You’ll learn what’s trustworthy, what’s exaggerated, and how to stay grounded when markets get loud. We discuss: The most important AI breakthroughs since our last update: -AI’s current “superpower” -Practical ways to use chatbots in daily life -Frameworks for going beyond basic prompts -The biggest risks of using AI casually (and how to avoid them) -How to tell whether AI-powered financial tools are trustworthy -What to know about privacy when using chatbots or AI assistants -Whether AI stocks are entering bubble territory: what’s valid and what's noise If you’re curious about using AI to improve your life and want to understand today’s market environment, this episode will ground you in what matters most. For questions, comments, or feedback, email us at . Be sure to subscribe and leave a review to stay updated on future episodes. Related Episodes
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From Scarcity to Success: The Neuroscience of Financial Confidence with John Longhill
11/07/2025
From Scarcity to Success: The Neuroscience of Financial Confidence with John Longhill
What if the biggest barrier to financial success isn’t your income, but your mindset? In this episode, we sit down with John Longhill, a certified NeuroChange Solutions consultant who teaches Dr. Joe Dispenza’s Change Your Mind – Create New Results program. John helps people understand the neuroscience behind their thoughts, how past experiences and subconscious patterns shape their financial behaviors, and how to rewire the brain for confidence, clarity, and abundance. We explore how to break free from scarcity thinking, overcome limiting beliefs about money, and create lasting change through intentional mindset shifts. Whether you’ve struggled with fear of not having enough, guilt about spending, or constant financial comparison, this conversation will help you take steps toward a healthier, more empowered relationship with money. In this episode, you’ll learn: -What it really means to “change your mind” (and why it matters) -The neuroscience behind scarcity vs. abundance thinking -How to retrain your brain for success and financial confidence -Simple, science-backed strategies to sustain mindset shifts long-term If you’re ready to stop feeling stuck and start thinking differently about your potential, this episode is for you. Listen now and don’t forget to subscribe, share, or leave a review to help others discover tools for financial growth and emotional well-being. For future podcast topics, you can email us at . Resources:
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National Debt Update: How We Got Here and What Comes Next
10/24/2025
National Debt Update: How We Got Here and What Comes Next
The U.S. national debt has surged to record highs, crossing $38 trillion and counting. What does that really mean for the U.S. economy and our financial future? In this episode, we revisit the topic of America’s debt since our discussions in 2020 and 2023 and explore how we got here, what potential solutions exist, and most importantly, what you can do about it. You’ll come away with a clear understanding of how America’s debt story impacts your own financial picture, and one simple takeaway you can apply today. Don't forget to subscribe, leave a review, and share this episode with someone who could benefit. For future podcast topics, you can email us at . Related episodes:
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Beyond Stocks & Bonds: Understanding Alternative Investments
10/10/2025
Beyond Stocks & Bonds: Understanding Alternative Investments
Alternative investments (also known as “alts”) are gaining traction with investors who want to go beyond the traditional 60/40 portfolio. But what exactly are they? And are they a good fit for your financial goals? In this episode, we break down everything you need to know about alternative investments. We’ll explain what qualifies as an alt, how they differ from stocks and bonds, and why they’ve become more popular and accessible in recent years. You’ll also learn about different types of alts, from real estate and private equity to cryptocurrencies and collectibles, and the potential benefits and risks of adding them to your portfolio. We’ll walk through: What counts as an alternative investment How alts are different from traditional assets Real estate, hedge funds, private equity, crypto, collectibles, and more Why some investors use alts to hedge against inflation and diversify Risks to watch out for: liquidity, fees, complexity, and lock-up periods Who alts are best suited for, and what questions to ask before investing If you're curious about alts, this episode will help you make smarter, more informed decisions. Don't forget to subscribe, leave a review, and share this episode with someone who could benefit. For future podcast topics, you can email us at .
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Money Smarts & Mindset: Financial Confidence with Jenny Groberg
09/26/2025
Money Smarts & Mindset: Financial Confidence with Jenny Groberg
In this episode, we sit down with Jenny Groberg, founder and CEO of BookSmarts Accounting, to talk about what it really means to feel confident with your finances. Jenny brings both strategic know-how and real-life perspective as a CEO, financial educator, and mom of five. We discuss how personal and business finances differ (and why it matters), how AI is transforming bookkeeping and accounting, and what financial habits truly build long-term success. Jenny also shares empowering advice for women and younger professionals who want to feel more in control of their money, plus one common financial myth she wishes everyone would leave behind. Don’t forget to subscribe, leave a review, and share this episode with someone who could benefit. For future podcast topics, you can email us at . Jenny's company: BookSmarts Instagram: Jenny's Instagram:
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When Adult Kids Still Rely on You: How to Support Without Sacrificing Retirement
09/12/2025
When Adult Kids Still Rely on You: How to Support Without Sacrificing Retirement
Are you still helping your adult children financially while also trying to plan for your own retirement? You’re not alone. A recent AARP survey found that 75% of parents with adult children provide some financial support, often averaging more than $7,000 a year. In this episode, we explore how today’s financial landscape is shifting parenthood later into life and what that means for your long-term financial well-being. We’ll talk about: Why more parents are supporting adult kids longer What conversations you should be having with your children How to evaluate what’s help and what’s enabling What you should do if you are supporting your adult children financially How to foster financial independence If you have adult children, will soon have adult children, or are someone receiving parental support yourself, this episode will help you understand balancing love with financial responsibility and long-term planning. Don’t forget to subscribe, leave a review, and share this episode with someone who could benefit. For future podcast topics, you can email us at .
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What History Teaches Us About the Future of the U.S. Economy
08/29/2025
What History Teaches Us About the Future of the U.S. Economy
Is America on the decline, and what does that mean for your financial future? In this thought-provoking episode, we unpack key ideas from billionaire investor Ray Dalio’s Principles for Dealing with The Changing World Order: Why Nations Succeed and Fail and explore how rising global powers, growing debt, and historical cycles could reshape the economy in the years ahead. We break down the indicators Dalio uses to measure a nation's strength and examine how the U.S. stacks up today. We also explore what it means if the U.S. loses its reserve currency status, and how everyday investors can protect their wealth through diversification, hard assets, and financial resilience. Whether you're curious about global economics or just want to better prepare for the future, this episode offers practical insights inspired by one of the world's most respected financial minds. Don’t forget to subscribe, leave a review, and share this episode with someone who wants to stay ahead of economic changes. For future podcast topics, you can email us at .
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What the One Big Beautiful Bill Act Means for Your Wallet
08/15/2025
What the One Big Beautiful Bill Act Means for Your Wallet
What’s the One Big Beautiful Bill Act and why is it making U.S. headlines? In this episode, we break down this new major tax law and explore how it affects financial planning for individuals, families, business owners, and retirees. From changes to deductions and the SALT cap, to new opportunities for saving and investing, we’ll discuss what’s in the bill, why it matters, and the steps you might want to take now to prepare for 2025 and beyond. If you’re a U.S. taxpayer curious about how the OBBBA may affect your wallet, or you want to understand how this may impact the U.S. economy and standing within the world order, this episode will help you understand the key takeaways from this major piece of legislation. What You’ll Learn in This Episode: What the One Big Beautiful Bill Act is and why it’s important How tax changes affect everyday taxpayers New deductions and savings strategies Practical steps you can take now to prepare for 2025 tax planning Related Episodes If you enjoyed this episode and want to stay ahead of financial planning changes, subscribe to the podcast, leave us a review, and share this episode with a friend or colleague who could benefit from the discussion.
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The Psychology of Spending: What Actually Makes Us Happier?
08/01/2025
The Psychology of Spending: What Actually Makes Us Happier?
Can money actually buy happiness? In this episode, we explore the surprising science behind happier spending, based on insights from the book Happy Money by Elizabeth Dunn and Michael Norton. We dive into five key principles—like buying experiences instead of things, making indulgences rare, and investing in others—to help you make financial decisions that actually enhance your well-being. If you enjoy the episode, don’t forget to subscribe, leave us a review, and share it with a friend who wants to spend more meaningfully. You can email us with any comments, questions, or topics for future episodes at . Related episodes: Resources:
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Financial Misinformation: How to Protect Yourself from Bad Advice
07/18/2025
Financial Misinformation: How to Protect Yourself from Bad Advice
In today’s digital age, financial misinformation is everywhere, especially on social media platforms like TikTok, Instagram, and YouTube. In this episode, we’re diving into the growing problem of financial misinformation online and how it can seriously impact your financial future. Join us as we discuss what financial misinformation is, how common it is for people to seek financial advice online, and the most popular money myths circulating today. We’ll also break down the real-life consequences of following bad advice and what you should know before taking action on any financial information you find online. In this episode, you’ll learn: What counts as financial misinformation Why social media is a hotspot for misleading money advice The most common personal finance and investing myths online How bad advice can derail your financial goals How to evaluate financial advice found online Before you act on that next viral money tip, listen to this essential conversation on protecting your finances from misinformation. Questions or feedback? Email us at and don’t forget to subscribe and share if you find this helpful!
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Your Financial Mindset: A Re-Release
07/04/2025
Your Financial Mindset: A Re-Release
What if your biggest financial obstacle isn’t your income or expenses, but your mindset? In this re-released episode, we're revisiting one of our most popular conversations. Originally recorded in 2020 as a follow-up to our discussion on having an abundance mentality, this episode explores how your thoughts, beliefs, and emotions around money can directly shape your financial future. Bill and Anastasia break down the subtle (and not-so-subtle) ways negative beliefs about money can hold you back. You’ll hear practical strategies for identifying limiting thoughts, shifting into an abundance mindset, and staying positive. Whether you're working toward financial independence or simply trying to feel more confident with your money choices, this episode will help you reset your mindset and approach wealth creation with intention. Topics Covered: How negative beliefs about money develop (and how to reframe them) The impact of social media and news on financial confidence Why abundance thinking is essential for long-term success Simple mindset shifts that can change your financial trajectory Questions or feedback? Email us at and don’t forget to subscribe and share if you find this helpful! Related Episodes:
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From Employee to Entrepreneur: Lessons from 25+ Years of Running a Business
06/20/2025
From Employee to Entrepreneur: Lessons from 25+ Years of Running a Business
Ever thought about leaving your 9-to-5 and building a business of your own? In this episode, we sit down with co-host and seasoned entrepreneur Bill Taber to explore what it really takes to succeed as a small business owner. With over 25 years of experience running a successful Registered Investment Advisory (RIA) firm, Bill shares hard-earned lessons on shifting from employee to entrepreneur, the habits that helped him stay grounded, and the biggest mindset changes he's made along the way. We dive into questions aspiring business owners often wrestle with: How do you know if you're ready to launch? What financial basics should you have in place? What do people often misunderstand about being your own boss? And what's still exciting about business ownership even after two decades? Whether you're just starting to consider a career pivot or you're already building something of your own, this episode is packed with real-world insights and encouragement to help you stay the course. Topics covered: What inspired Bill to start his own firm The mindset shift from W2 employee to business owner Habits that have supported long-term success Signs someone may not be ready to start a business yet How to balance daily operations with long-term growth What's still exciting after 25+ years in business Have questions or ideas for future episodes? Email us at Don’t forget to subscribe, leave a review, and share this episode with someone dreaming of starting their own business! Our previous episodes on small business and well-being: Resources:
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All About Roth: How It Works, When to Contribute, and Advanced Strategies
06/06/2025
All About Roth: How It Works, When to Contribute, and Advanced Strategies
Confused about Roth accounts? You’re not alone. In this episode, we’re breaking down one of the most important—and misunderstood—topics in retirement planning in the U.S. We’ll walk through the key differences between Roth and Traditional accounts, income limits for Roth contributions, and how Roth 401(k)s compare to Roth IRAs. You’ll also learn when it makes sense to contribute to a Roth, how the backdoor Roth strategy works, and when a Roth conversion might benefit your long-term plan. Plus, we’ll cover early withdrawal rules, required minimum distributions (RMDs), and how to incorporate Roth accounts into your overall retirement and tax diversification strategy. Whether you’re building your retirement roadmap or fine-tuning your portfolio, this conversation is packed with actionable insights to help you make the most of your money—now and in the future. We cover: The difference between Roth and Traditional accounts Roth IRA vs. Roth 401(k): Which one fits your goals Income limits for Roth contributions How and when to use a backdoor Roth What Roth conversions are and when they make sense Early withdrawal rules and how to avoid penalties How to include Roth accounts in a long-term retirement and tax diversification strategy Enjoy the show? Please subscribe, leave a review, or share this episode with a friend! Got questions or topics you'd like us to cover? Email us at —we’d love to hear from you.
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AI in 2025: What’s New, What’s Next, and What It Means for You, Part Two
05/22/2025
AI in 2025: What’s New, What’s Next, and What It Means for You, Part Two
Welcome to our annual AI update! A lot has changed in just a year, and in 2025, artificial intelligence is advancing faster than ever—impacting how we work, live, and interact with the world around us. In this two-part series, we break down the biggest developments in AI, how it’s becoming embedded in our everyday lives, and what you can do to stay ahead of the curve. In Part One, we focused on how AI has evolved over the past year, the most important trends to watch over the next 12–18 months, and what the average person should understand about the current pace of AI development. We also shared how we’ve personally been integrating AI tools into our daily lives—both professionally and at home. In Part Two, we’ll explore how AI is transforming the job market, which roles are being affected most (both positively and negatively), and the ethical concerns that are rising along with the technology. We’ll wrap with practical advice on how to stay informed and remain adaptable in a rapidly changing AI-driven world. For questions, comments, or feedback, email us at . Be sure to subscribe and leave a review to stay updated on future episodes. Check out our previous episodes on AI:
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AI in 2025: What’s New, What’s Next, and What It Means for You, Part One
05/09/2025
AI in 2025: What’s New, What’s Next, and What It Means for You, Part One
Welcome to our annual AI update! A lot has changed in just a year, and in 2025, artificial intelligence is advancing faster than ever—impacting how we work, live, and interact with the world around us. In this two-part series, we break down the biggest developments in AI, how it’s becoming embedded in our everyday lives, and what you can do to stay ahead of the curve. In Part One, we focus on how AI has evolved over the past year, the most important trends to watch over the next 12–18 months, and what the average person should understand about the current pace of AI development. We also share how we’ve personally been integrating AI tools into our daily lives—both professionally and at home. In Part Two, we’ll explore how AI is transforming the job market, which roles are being affected most (both positively and negatively), and the ethical concerns that are rising along with the technology. We’ll wrap with practical advice on how to stay informed and remain adaptable in a rapidly changing AI-driven world. For questions, comments, or feedback, email us at . Be sure to subscribe and leave a review to stay updated on future episodes. Check out our previous episodes on AI:
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What Now? Navigating Job Loss and Industry Disruption
04/25/2025
What Now? Navigating Job Loss and Industry Disruption
In this episode, we talk about how to take control after a job loss and make smart decisions for your financial future and career. We discuss what to do in the immediate aftermath, including addressing the emotional impact of job loss and what key financial steps to take. You’ll also hear practical advice on how to start planning your next move, especially if your industry is evolving or no longer viable. Whether you’ve just been laid off, are navigating a major career pivot, or you’re supporting someone who is, this episode is here to guide you through those uncertain moments. For questions, comments, or feedback, email us at . Be sure to subscribe and leave a review to stay updated on future episodes.
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Should I Have Kids? Expert Insights on Emotional and Financial Preparedness – with Ann Davidman
04/11/2025
Should I Have Kids? Expert Insights on Emotional and Financial Preparedness – with Ann Davidman
In this insightful episode, we tackle one of life’s most consequential decisions: "Should I Have Kids?" with the help of our special guest, Ann Davidman—a seasoned marriage and family therapist from the San Francisco Bay Area. Together, we delve into the process of choosing or not choosing parenthood, and the role of financial readiness. Whether you're on the fence about starting a family or simply curious about the balance of emotional and financial preparedness, this episode offers valuable guidance to help you make a thoughtful, informed decision. Ann Davidman is a seasoned expert who has spent years working with others on this very topic. Ann earned her graduate degree from San Francisco State University. She’s a member of the California Association of Marriage and Family Therapists (CAMFT) and maintains a successful private psychotherapy practice in the San Francisco Bay area. She’s been featured in numerous publications, including Vox, The Washington Post, The New York Times, Fatherly, Refinery 29, Baby Center, ABC Australia, +Lifehacker, The Daily Mail, and more. Have questions or comments? Reach out to us at , and don't forget to subscribe and leave a review. Tune in now for an essential conversation that could shape your future. Resources: Connect with us on LinkedIn: and
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Baby Finances 401
04/01/2025
Baby Finances 401
Welcome to a very special episode of our podcast! We’re taking a break from our usual deep dives into personal finance to explore a fun, unconventional perspective—through the eyes of Anastasia's toddler daughter (and Bill's granddaughter). We'll skip over the advanced classes in baby finances and jump straight to Baby Finances 401, where we ask the hard and existential questions about money. For questions, comments, and topics, you can email us at . Don't forget to subscribe and review us—your support helps us bring more joy and insightful conversations to our community!
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From Theory to Practice: How to Increase Your Well-Being Every Day, Part Two
03/28/2025
From Theory to Practice: How to Increase Your Well-Being Every Day, Part Two
Welcome back to our March series on well-being, inspired by Yale’s renowned Science of Well-Being course by Professor Laurie Santos. In our last episode, we debunked common myths about happiness and explored how our brains sometimes lead us astray in our pursuit of joy. In Part Two, we’re making it practical by delving into research-backed strategies that can boost your happiness and well-being. We unpack the concept of “rewirements” and discuss how small, intentional habits like practicing kindness, savoring positive moments, and daily gratitude can counteract hedonic adaptation. We’ll explore the power of resetting your reference points, the benefits of meditation, and offer actionable tips to seamlessly integrate these happiness habits into your everyday life. Whether you’re seeking an abundance mindset or looking for practical ways to enhance your personal well-being, this episode is packed with insights to help you cultivate lasting happiness. Tune in now to discover the one key takeaway that could transform your approach to living a better life! For questions, comments, or topic suggestions, email us at . Enjoy the episode! Resources: Connect with us on LinkedIn: and
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What Really Makes Us Happy? Insights from Yale's Science of Well-Being, Part One
03/14/2025
What Really Makes Us Happy? Insights from Yale's Science of Well-Being, Part One
Welcome to our March series on well-being, inspired by Yale’s renowned Science of Well-Being course by Professor Laurie Santos. In this first episode, we dive into the core misconceptions about happiness and explore how our minds can sometimes trick us into chasing the wrong goals—like believing that a promotion or more money will automatically bring joy. We break down the science behind what truly makes us happy, discussing what factors play critical roles in boosting our overall well-being. We also examine the impact of social media on our perceptions of happiness and share actionable mindset shifts that can help you adopt an abundance mentality. Given the wealth of information offered in this course, we are splitting this conversation into two episodes. Part One will focus on what are misconceptions about happiness, how our minds trick us, and what actually makes us happy. Part Two will focus on how to apply practical strategies to increase your well-being and happiness. Tune in and join us on this journey to rethink what truly brings joy and to set the stage for a more fulfilling year! For questions or comments, reach out to us at . Enjoy the episode! Connect with us on LinkedIn: and
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Regulating Emotions During Jumpy Markets: A Re-Release
02/28/2025
Regulating Emotions During Jumpy Markets: A Re-Release
Welcome back to the podcast! In this re-released episode, we revisit one of our most popular discussions—"Regulating Emotions During Jumpy Markets"—with fresh context for 2025. With the U.S. stock market at all-time highs and investment returns in 2023 and 2024 rivaling those of the dot-com boom, our conversation on market volatility has never been more relevant. In this episode, Bill shared his personal insights on the turbulent market conditions of May 2022—when inflation began to surge. He even drew a compelling analogy between Mito Pereira’s 2022 PGA Championship loss and the resilience required to navigate challenging market conditions. We also discussed whether it was time for investors to adjust their strategies amid ongoing economic uncertainties. If you’re feeling the market jitters or simply seeking guidance on maintaining focus on your long-term financial goals, this episode provides practical strategies for regulating your emotions and staying on course. For any questions or comments, feel free to reach out at . Tune in for timely insights that help you navigate the ups and downs of today’s market! Resources: Connect with us on LinkedIn: and
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