Goldstein on Gelt

The Goldstein on Gelt Show is a global investment and financial planning radio show designed to educate and entertain its listeners with financial strategies and investment tips. Douglas Goldstein, CFP® hosts the weekly show, which can also be heard at https://goldsteinongelt.com and is the director of Profile Investment Services, Ltd., https://profile-financial.com

Aliya and Retirement: Smart Moves for Your U.S. Accounts 09/17/2025

Why Money Feels Scarier After Moving to Israel 09/10/2025

Before Touching That U.S. Trust, Listen to This 09/03/2025

Money Fights on Repeat? Here’s How to Finally Have a Different Conversation 08/27/2025

Leaving U.S. Accounts to Heirs in Israel the Right Way 08/20/2025

Living in Israel with U.S. Accounts? Listen to This Before It’s Too Late 08/13/2025

Could Your Spouse Access Your Money in a Crisis? 08/06/2025

How to Avoid Running Out of Money in Retirement 07/31/2025

Love, Marriage… and a U.S. Brokerage Account 07/24/2025

How to File Taxes Right When You Live in Israel but Invest in America 07/17/2025

Cross-Border Investing Begins with Cross-Person Listening 07/10/2025

Don’t Buy a Home in Israel Until You Listen to This 07/03/2025

Don’t Buy a Home in Israel Until You Listen to This Buying Real Estate in Israel Without Losing Your Mind (or Your Money) Buying a home in Israel isn’t just about bricks and mortar. For many people, it’s tied to big dreams like starting fresh in a new country or creating a stronger connection to the land of Israel. But navigating the Israeli real estate market? That part can be overwhelming. Doug Goldstein teams up with Debbie Goldfischer, Founder and CEO of Buyitinisrael.com and host of the popular podcast On The House, to break it all down. She knows the ins and outs of buying property here and shared insights that every English-speaking buyer should hear before diving in. Whether someone is planning Aliya, investing from abroad, or searching for a permanent place to land, these are the things that matter most. A picture-perfect apartment... or a walk-through reality? Buying off-plan is tempting. The designs look sleek, the buildings are modern, and the perks can sound amazing. But what someone sees in a brochure doesn’t always match reality. With second-hand homes, it's a different story. A buyer can walk in, check the lighting, meet a neighbor, and feel the space in real time. That kind of clarity is hard to beat. Off-plan deals come with variables that might surprise first-time buyers. Construction delays happen. Prices can shift due to rising material costs, which in Israel are tracked by the construction index. It's not just theory. It can directly affect the price tag. The good news? Some developers cap this cost or remove it altogether. It's worth asking. Playing the long game If someone isn't planning to move right away, buying off-plan might make a lot of sense. Developers usually offer payment plans in stages, making it easier on the wallet. Plus, early buyers often get to choose layouts, finishes, and upgrades, which can be both fun and practical. New homes also meet today’s building standards. Think energy efficiency, stronger safety features, and built-in shelters. Over time, those benefits add up. Still, second-hand homes have one big edge, they’re in neighborhoods that are already up and running. Schools, grocery stores, synagogues, and public transportation are all in place. That convenience matters, especially for families. To rent or to buy? Many people wonder if they should just rent. Debbie had strong thoughts here. Renting in Israel can work, but the market is still catching up. Tenant protections are weaker than in other countries, and year-to-year leases don’t offer much stability. Renting short-term can be smart for someone still figuring out where to live. But Debbie's advice was clear. Don’t rent in a neighborhood that you wouldn’t be able to buy in. Otherwise, you might get attached to a place you can’t afford later on. Some buyers choose to own a property in a different neighborhood as a way to build equity, even if the family is not living there yet. That way, they’re at least on the property ladder. Note: This is for educational purposes only and does not provide financial, legal, or tax advice. Please speak with a qualified professional about your specific situation. If you’re thinking of using your U.S. investment account to fund an Israeli property purchase, make sure you speak with a licensed financial professional. Schedule your free Cross-Border Financial Evaluation now at to see how we can help provide tailored advice to your U.S. accounts and Israeli goals. /episode/index/show/gogshow/id/36722335

The Estate Planning Trap for Americans in Israel  06/26/2025

From Chaos to Clarity: Mastering U.S.-Israel Finances 06/19/2025

Are You Taking Too Much Risk with Your U.S. Investments? 06/11/2025

Are You Taking Too Much Risk with Your U.S. Investments? Are You Betting Your Future on “If”? If you’re living in Israel and managing U.S. brokerage or IRA accounts, here’s a tough question: are you confident in your investment plan or just crossing your fingers and hoping the market doesn’t drop? Managing money across two countries isn’t just about tax forms and exchange rates (though yes, there’s plenty of that). It’s about making sure your plan can actually handle the curveballs life and the market throw your way. Too often, investors assume they’re doing just fine… until they’re not. Most of us check our account balances more than we check our strategy. But here’s the problem: a big balance doesn’t always mean you’re winning. It might just mean you got lucky. And luck isn’t a financial plan. Don’t Rely on “If” to Retire “If the market gives me 10% this year…” “If the dollar stays strong…” “If nothing goes wrong…” Sound familiar? Building your future on a bunch of “ifs” is like planning a beach wedding without checking the weather. You need more than sunshine and good vibes... you need backup. The fix? Start with what you control. One of the biggest levers you have is your savings rate. Even bumping it up by 2–3% can shift your entire financial trajectory. No trends, no gimmicks, just solid planning that works over time. When One Stock Takes Over the Show That one stock that’s been doing great? It might feel like your golden goose… until it’s not. Letting a single investment grow too large can quietly hijack your whole portfolio. You wouldn’t bet your entire retirement on a startup, right? But that’s what happens when one holding becomes 40 or 50% of your account. Diversification isn’t boring; it’s smart. Think of your portfolio like a good Israeli salad: a little of this, a little of that, and nothing overwhelms the plate. That’s how you stay balanced. Feel Brave About Risk? Let’s Double-Check Risk tolerance is how you feel when the market drops. Risk capacity is whether your plan can survive it. You might not panic when things fall… but will your retirement stay on track? Will you still be able to help your kids? Support the causes you care about? It’s not about being scared. It’s about being prepared. And when you’re living in Israel with U.S. accounts, there’s even more to think about... currency swings, double taxation, weird form deadlines. Getting your structure right can make all the difference. Note: This article is for educational purposes only and does not constitute financial, legal, or tax advice. Always consult with a qualified professional to review your personal situation. Ready to make sure your portfolio is actually working for you—and not the other way around? and get a clear, practical plan that fits your life in Israel and your money in the U.S. No pressure; just smart conversation. /episode/index/show/gogshow/id/36457490

Tired of Filing Two Tax Returns in Israel? 06/05/2025

When Life Happens, Will Your Money Be There? 05/29/2025

Retiring in Israel? Don't Ignore Your IRA 05/21/2025

Saving Money 101: Stop Wasting and Start Building Wealth 05/15/2025

Saving Money 101: Stop Wasting and Start Building Wealth Why Saving Money Feels Hard (And How to Make It Easy) Ever check your bank balance and think, Wait—where did all my money go?! One minute, payday hits, and the next, your hard-earned cash has vanished—eaten up by bills, surprise expenses, and everyday spending. It’s like your money is playing hide and seek… and winning. But here’s the good news: saving money doesn’t have to feel impossible. You don’t need to overhaul your lifestyle, live on instant noodles, or give up everything fun. A few smart tweaks can turn saving from a dreaded chore into something effortless—maybe even a little exciting. Let’s break it down. Why an Emergency Fund is a Game-Changer Life has a knack for throwing expensive surprises your way—your car breaks down, a medical bill pops up, or your fridge decides to call it quits. Without a financial cushion, these moments can turn into full-blown crises, leaving you scrambling for a solution. That’s where an emergency fund comes in. Think of it as a financial safety net. Instead of reaching for a credit card, borrowing money, or selling investments at the worst possible time, you can handle unexpected expenses stress-free. No panic, no debt—just peace of mind. How Much Should You Save? Think of your emergency fund like a financial airbag—you hope you never need it, but you’ll be glad it’s there. Here’s a good rule of thumb: Steady paycheck? Aim for at least three months’ worth of expenses. Self-employed or income varies? Six months is a safer bet. Retired? Keeping up to a year’s worth of expenses in cash can help you avoid selling investments during a market downturn. And don’t stress about saving it all at once. Start small, set aside what you can each month, and watch it grow. Where to Keep Your Emergency Fund Not under your mattress, that’s for sure. And not in a checking account earning zero percent interest, either. The goal is to keep it safe, accessible, and ideally, earning a little something. If your expenses are in dollars, a U.S. money market fund could be a great option. Some are even insured, similar to FDIC-backed bank accounts. Unlike a regular checking account, which earns almost nothing, money market funds often provide a variable return, so be sure to check with a financial professional to understand the risks and details. If you need shekels, Israeli banks may not offer great interest on regular accounts, but some allow you to lock your money for short periods (daily, weekly, or monthly) to earn a little extra. Even a small return is better than letting your money sit idle. Beyond the Emergency Fund: Making Your Money Work for You An emergency fund is your financial safety net, but long-term security requires more than just stashing away cash. At some point, you’ll want to stop working—or at least have the option to stop. Many people assume that between Social Security (U.S.), Bituach Leumi (Israel), and their pension, they’ll be fine. But the reality? Those sources often fall short. To maintain your lifestyle in retirement, you need investments that grow over time. Building an Investment Portfolio Investing can feel intimidating, but it doesn’t have to be complicated. A broad, diversified portfolio—such as an index fund tracking the S&P 500—can be a straightforward way to grow wealth over time. Others prefer a mix of stocks, bonds, or managed portfolios tailored to their goals and risk tolerance. The key is consistency. Even small contributions, made regularly, can grow significantly over time. And while markets fluctuate, history suggests that long-term investors tend to fare better than those who sit on the sidelines. Important note: Investing involves risk, and past performance does not guarantee future results. Always consult a licensed financial advisor to determine what strategy makes sense for your situation. Plugging the Financial Leaks: Where is Your Money Going? You might think you have your spending under control, but when you actually track where your money is going, the results can be surprising. Many people waste thousands each year without realizing it—on subscriptions they don’t use, high-fee services, and impulse spending. A quick self-check: Are you paying for things you don’t actually use (streaming services, gym memberships, premium banking fees)? Do you regularly eat out or order takeout but can’t seem to save for bigger goals? Are you overspending on insurance or other recurring expenses without shopping around for better rates? You don’t have to cut everything fun out of your life—you just need to be intentional about where your money goes. A simple spending review can help you redirect money from waste to wealth-building. The Secret to Saving More Without Thinking About It One of the easiest ways to build wealth? Automate your savings. Set up an automatic transfer so that every month, a portion of your paycheck goes straight into savings before you have a chance to spend it. You can do this with your emergency fund, investment accounts, or even a retirement account. The less you have to think about saving, the more likely you are to actually do it. Over time, those small amounts add up in a big way. Small Changes, Big Impact Financial security isn’t about being rich—it’s about being prepared. An emergency fund gives you the freedom to handle life’s unexpected expenses without stress, turning financial shocks into minor inconveniences. Investing wisely allows your money to grow over time, so you’re not just stashing cash but actually building long-term wealth. At the same time, cutting out unnecessary expenses doesn’t mean giving up what you love—it means making sure your money is working toward what truly matters. The easiest way to stay on track? Automate your savings. When saving happens in the background, it becomes effortless—and over time, those small, consistent contributions can add up to real financial security. If you want to make sure your U.S. brokerage and IRA accounts are positioned to support your financial future, schedule a free Cross-Border Financial Evaluation today and get a clear, customized plan for managing your investments while living in Israel. /episode/index/show/gogshow/id/36359430