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We’ve seen a massive amount of change in the federal government in the last month since Trump was inaugurated for his second term.  The threat of tariffs and inflation, DOGE’s dismantling of lega…

We’ve seen a massi…

We’ve seen a massive amount of change in the federal government in the last month since Trump was inaugurated for his second term.  The threat of tariffs and inflation, DOGE’s dismantling of Legacy government programs, and discussion of annexing Canada and Greenland has many people concerned.  This episode we cover the gamut from a financial perspective, including how investors should interpret what’s happening, whether we should be concerned about inflation in the near term, and how the markets have responded so far.  RESOURCES Inflation. How worried should we be? stayathomemacro.su…

It’s been an interesting few weeks in the markets since President Trump’s inauguration.  A Chinese company produced an AI chatbot that performs as well as U.S. competitors at a fraction of the co…

It’s been an inter…

It’s been an interesting few weeks in the markets since President Trump’s inauguration.  A Chinese company produced an AI chatbot that performs as well as U.S. competitors at a fraction of the cost.  Nvidia’s stock lost 17% the following day after the company published its work, confirming the threat to Nvidia’s business model.  We cover an article highlighting what this all means, review the outperformance of non-U.S. equities, and answer a listener question about whether they can retire early without having to touch their Roth accounts in this episode of Grow Money Business.    …

Should you be concerned that the market’s just made several all time highs?  This question comes up in various forms any time stock markets set new records.  As tempting as it is to assume that wh…

Should you be concer…

Should you be concerned that the market’s just made several all time highs?  This question comes up in various forms any time stock markets set new records.  As tempting as it is to assume that what goes up must come down, the market doesn’t think that way.  We cover this concept in detail in today’s episode, along with Vanguard’s recent 2025 market forecast and an update on how markets have done since the election. RESOURCES: Market perspectives advisors.vanguard.com/insights/article/series/market-perspectives 

A lot has happened in the markets over the last few weeks. In this episode we cover what’s new in the stock, bond, and Crypto markets since the election, and to should expect from the Trump administ…

A lot has happened i…

A lot has happened in the markets over the last few weeks. In this episode we cover what’s new in the stock, bond, and crypto markets since the election, and to should expect from the Trump administration with regard to economic and tax policy. Resources: Small-cap stocks on verge of ending 3 years of futility with record run — if it holds marketwatch.com/story/small-cap-stocks-on-verge-of-ending-3-years-of-futility-with-record-run-if-it-holds-c829d75b?mod=hp_minor_pos27   What’s Flying Higher Than Bitcoin? The Software Company Buying Up Bitcoin wsj.com/Finance/currencies/whats-flying…

This week on the show we field a listener question about whether their concern about government spending should be reflected in their investment portfolio.  We also review an article about market eff…

This week on the sho…

This week on the show we field a listener question about whether their concern about government spending should be reflected in their investment portfolio.  We also review an article about market efficiency / inefficiency, and provide an update on mortgage and long term bond rates. RESOURCES: Mob Rule humbledollar.com/2024/10/mob-rule/   Principles for Dealing with the Changing World Order: Why Nations Succeed and Fail Hardcover by Ray Dalio amazon.com/Changing-World-Order-Nations-Succeed/dp/1982160276

Most Americans have at least some of their Retirement savings sitting in workplace retirement plans like 401ks, 403bs, SEP-IRAs and the like.  And when you leave a job, due to a retirement transition…

Most Americans have …

Most Americans have at least some of their retirement savings sitting in workplace retirement plans like 401ks, 403bs, SEP-IRAs and the like.  And when you leave a job, due to a retirement transition or not, many people wonder what they should do with the savings they’ve accumulated in the plans.  We’ve noticed that the more people tend to have in their retirement plans, the more reluctant they are to take action out of fear of making a mistake.  In this episode of the podcast we’ll answer several questions about 401k rollovers: ·       Should I keep my savings in the 401k or…

Downsizing from your large, long-held family home is a popular concept for retirees, but may not always be the best choice.  Even though smaller homes are less costly & easier to maintain, giving…

Downsizing from your…

Downsizing from your large, long-held family home is a popular concept for retirees, but may not always be the best choice.  Even though smaller homes are less costly & easier to maintain, giving up your family's major meeting venue may not be the best choice.  This week we respond to a listener question on whether downsizing might be right for them, and cover Nvidia's recent earnings call and an article about the prevalence of gift card scams.   Highlights [05.30] Market Update – News on Nvidia earnings. [11.24] Article of the Week – This week’s article on gift card fraud. …

Mailbag Question: “I’d like to give more money to a couple different charities this year, but my tax person said it wouldn’t help my taxes.  Is there a way I can make a gift that reduces my tax…

Mailbag Question: �…

Mailbag Question: “I’d like to give more money to a couple different charities this year, but my tax person said it wouldn’t help my taxes.  Is there a way I can make a gift that reduces my taxes?”   Intro: “There are a ton of different ways to give to charity, but not all of them will help you on your taxes.  This week we cover a listener question about tax efficient charitable giving, and when it will or will not help you.”   Resources: Donor-Advised Funds (DAFs): What They Are and How They Work nerdwallet.com/article/taxes/donor-advised-funds   Qualified Charitable Distribu…

Mailbag Question: “Everything I hear about Social Security is bad, and it sounds like the program will run out of money in a few years.  Is there a good reason I shouldn’t file for benefits now b…

Mailbag Question: �…

Mailbag Question: “Everything I hear about Social Security is bad, and it sounds like the program will run out of money in a few years.  Is there a good reason I shouldn’t file for benefits now before the money runs out?”   Intro: “Many retirees are concerned about the state of Social Security, and some of them even expect the program to crumble in the next few years.  Does that mean you should get your money out now before it does?  This week we respond to a listener question about by explaining what’s going on with Social Security, how long it’ll be before the Social Security…

It’s no secret that the IRS is underfunded right now.  It takes most taxpayers months to receive refund checks, and most would rather go to the dentist than wait on hold to talk with the IRS.  Our…

It’s no secret tha…

It’s no secret that the IRS is underfunded right now.  It takes most taxpayers months to receive refund checks, and most would rather go to the dentist than wait on hold to talk with the IRS.  Our guest this week is Tom Nally, who’s recently launched Tax Now to help taxpayers and their professionals navigate this landscape.  The platform syncs up with the IRS database and simply notifies you when there are updates to your account.  It’s a sorely needed tool, and Tom walks us through what he’s built and how the launch has gone. We also cover an article about Trump’s interest in al…

Mailbag question: “My husband and I are assembling our retirement plan and planning to relocate once I quit working.  We’re trying to decide between Tennessee, Florida and Texas, since they’re …

Mailbag question: �…

Mailbag question: “My husband and I are assembling our retirement plan and planning to relocate once I quit working.  We’re trying to decide between Tennessee, Florida and Texas, since they’re all states with lower tax and retirement Lifestyle costs.  Which do you think is best?  The lists are all different.”   Intro: Financial media love to create lists of the “best” and “lowest cost” states to retire in.  This week we answer a question about the differences between Tennessee, Texas, and Florida as retirement destinations, and what you should consider when relocating in r…

  Mailbag Question: “I recently met with an attorney to get my Estate plan done.  They recommended that I create a living trust to hold some investments and my house.  Is that legitimate?  It so…

  Mailbag Question:…

  Mailbag Question: “I recently met with an attorney to get my estate plan done.  They recommended that I create a living trust to hold some investments and my house.  Is that legitimate?  It sounds like an upsell better suited for very rich people.”   Intro: This week on Grow Money Business we answer a listener questions about trusts and estate planning.  Our faithful listener spoke with an attorney about estate planning recently, who recommended a living trust as part of his plan.  We cover the pros and cons of living trusts and whether the recommendation is an upsell from the att…

Early retirement is a popular goal for many, but actually making it happen can be challenging.  One major obstacle is the early withdrawal penalty imposed to distributions from IRAs & 401ks befor…

Early retirement is …

Early retirement is a popular goal for many, but actually making it happen can be challenging.  One major obstacle is the early withdrawal penalty imposed to distributions from IRAs & 401ks before 59 ½ years of age. This week on the show we answer a listener question about how to navigate this landscape and a few possible workarounds.  We also cover whether index Investing has impacted the markets, and an article about how inflows to hot investment funds can falsely influence performance numbers   Resources: GMO: Passive Investing’s Impact Has Been Overblown, But It’s Not Negligibl…

One question we get a lot is why we’d ever want to invest in countries other than the U.S.  The U.S. stock market has done far better than other countries recently.  It’s the biggest national ma…

One question we get …

One question we get a lot is why we’d ever want to invest in countries other than the U.S.  The U.S. stock market has done far better than other countries recently.  It’s the biggest national market in the world.  The U.S. has the strongest, most resilient Economy.  And the U.S. dollar is the world’s reserve currency.  Why would we ever want to invest anywhere else?  This week on the show we cover this question in detail, June’s inflation data, and an article on the impact that inflation has on bond markets.   Links: https://www.dimensional.com/us-en/insights/global-diversifica…

Mailbag Questions: 1)         “I’m a small business owner, and have a SEP-IRA that I’d contributed to annually until a few years ago.  Then things got tight during COVID and I took a …

Mailbag Questions: …

Mailbag Questions: 1)         “I’m a small business owner, and have a SEP-IRA that I’d contributed to annually until a few years ago.  Then things got tight during COVID and I took a break from making contributions.  Now business is turning around again.  I’ve been watching the bitcoin ETFs and am wondering if this is a good investment once I start putting money into my plan again.”  

This week we cover a listener question about how to handle an inheritance of $850,000.  Jason recently dropped the question in our mailbag after receiving the inheritance unexpectedly.  He and his w…

This week we cover a…

This week we cover a listener question about how to handle an inheritance of $850,000.  Jason recently dropped the question in our mailbag after receiving the inheritance unexpectedly.  He and his wife are in a stable financial situation and aren’t sure what to do next.  Grant shares his thoughts on what the couple should do. We also review an article in The Atlantic covering whether monetary policy actually works in practice, and the presidential debate after a relatively quiet week in the markets.   Resources: https://www.theatlantic.com/ideas/archive/2024/06/interest-rates-inflation/6…

Our guest on the show this week is Jeremy Harbour.  Jeremy has been involved in the M&A market across the globe for decades.  He’s the founder and CEO of the Unity Group, a boutique internatio…

Our guest on the sho…

Our guest on the show this week is Jeremy Harbour.  Jeremy has been involved in the M&A market across the globe for decades.  He’s the founder and CEO of the Unity Group, a boutique international mergers & acquisitions firm.  He also runs the Harbour Club, a professional network focused on teaching M&A best practices to entrepreneurs.  Jeremy shares with us the do’s and don’ts and buying and selling businesses after dozens of successes and failures he’s had over the years.  We also cover an article by Global Financial Data that reviews concentration in the US stock mar…

We dedicated this week’s episode to another mailbag question from our listeners related to tax withholdings.  Here in the U.S., most people set some money aside throughout the year from their incom…

We dedicated this we…

We dedicated this week’s episode to another mailbag question from our listeners related to tax withholdings.  Here in the U.S., most people set some money aside throughout the year from their income and/or estimated tax payments, to be put toward their income tax bill for the year.  Then they cross their fingers when it comes time to file their return, hoping that they don’t owe any more than what they’ve set aside. In this week’s episode Grant covers the ins and outs of tax withholdings, and answers a listener’s question on whether they should adjust their withholdings for 2024.�…