Simply Money
For more than 20 years, the Simply Money radio show has provided straightforward and entertaining explanations of how the economy and stock market affect your wealth. Join Allworth advisors Bob Sponseller and Brian James from our Cincinnati team as they offer unique financial perspectives—along with smart tax and estate planning strategies—to help you make the most of your money. The information presented is for educational purposes only and is not intended to be a comprehensive analysis of the topics discussed. It should not be interpreted as personalized investment advice or relied upon as such. The information is not intended to convey any implicit or explicit guarantee or sense of assurance that, if followed, any investment strategies referenced will produce a positive or desired outcome. All investments involve risk, including the potential loss of principal. There can be no assurance that any investment strategy or decision will achieve its intended objectives or result in a positive return. It is important to carefully consider your investment goals, risk tolerance, and seek professional advice before making any investment decisions.
Episodes
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what Alphabet's latest earnings reveal about the AI arms race, why Big Tech is pouring hundreds of billions into infrastructure, and what that means for investors. They also explain why massive AI spending could create both opportunity and risk, drawing lessons from the dot-com era and sharing how to avoid getting overconcentrated in today's h...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian put your financial instincts to the test with a series of real-world scenarios that reveal who really comes out ahead—from high earners versus high savers to paying off your mortgage versus investing, maximizing guaranteed retirement income, and using tax-loss harvesting to keep more of what you earn. Plus, they explore whether leaving a bigger inh...
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See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what the Federal Reserve's next interest rate decision could mean for your money, why rising healthcare costs need to be a bigger part of your retirement plan, and the latest bipartisan effort to shore up Social Security. They also discuss whether Jersey Mike's upcoming IPO is worth a look, share practical ways to protect yourself from phone s...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest inflation report with Allworth Chief Investment Officer Andy Stout, including whether rising prices are finally cooling and what it could mean for interest rates, the markets, and your portfolio. They also examine the growing popularity of leveraged ETFs and why they can be far riskier than many investors realize, discuss how more f...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian play a financial planning game that reveals the one overlooked question that can completely change your retirement strategy. From caring for aging parents and buying a dream vacation home to pension decisions and Roth conversions, they explain why great financial planning isn't just about the numbers—it's about asking the right questions before you...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional idea of retirement, exploring why having enough money isn’t the same as having a fulfilling plan for what comes next. Inspired by a powerful real-life story, they discuss “purpose risk,” the dangers of tying your identity solely to your career, and why true financial success is about creating optionality in you...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how financial planning has evolved from relying on pensions and predictable income streams to navigating today’s reality of managing “piles of money” through market volatility, tax complexity, and retirement uncertainty. They also discuss the hidden tax traps inside large brokerage accounts, why money tension doesn’t al...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to AI-proof your portfolio without betting the farm, explaining why investors can embrace the AI revolution while avoiding the mistakes of the dot-com era through diversification and strategies like direct indexing. Plus, they share smart ways families can reduce the high cost of summer day camp with l...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the modern midlife crisis—and why so many high earners are making more money than ever while feeling more trapped than ever at the same time. They discuss the rise of “golden handcuffs,” lifestyle creep, delayed retirement decisions, and the emotional realization many successful professionals face when they discover they coul...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why millions of Americans may now own a piece of SpaceX without realizing it, what a proposed retirement savings overhaul modeled after Australia could mean for your future, and whether the new Trump Accounts are the right savings tool for your family. Plus, the Better Business Bureau shares the latest scams targeting your money, and the guys ans...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what the Dow, S&P 500, and NASDAQ really measure—and why understanding the differences can make you a more informed investor. They also discuss why so many retirees struggle to shift from saving to spending, get the latest on the Greater Cincinnati housing market, and answer listener questions on making a $1 million 401(k) last, inherit...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the "Magnificent Seven" may no longer be the biggest winners in the AI boom, what SpaceX joining the Nasdaq 100 could mean for investors, and Jersey Mike's plans to go public. They also discuss how to filter out financial noise, review common life and disability insurance gaps for high-income professionals, answer listener questions on Rot...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the seven most common financial lies we tell ourselves – from “I’ll be happy when I have more money” to “I’ll figure it out on my own.” These aren’t just small white lies; they’re deeply emotional narratives that can quietly sabotage your financial future. Whether you're navigating lifestyle cr...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the most expensive lies couples tell themselves about money—especially the dangerous comfort of saying “we’re fine” —and explain how a lack of communication around retirement timing, estate plans, and financial roles can cost families millions and fracture relationships. They also dig into why a single withdrawal ...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the most expensive financial decisions often aren’t the ones you make — they’re the ones you avoid . They walk through real-life examples of high-net-worth families who delayed portfolio changes, tax planning, diversification, or retirement decisions, only to face bigger consequences later. The guys also break down why a &ld...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the financial decisions that feel boring or easy to postpone often have the biggest impact on long-term success. From overlooked beneficiary designations and withdrawal strategies to missed tax-planning windows and life risks that don’t show up in market charts, they explain how successful families can do everything “right&rdqu...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what true wealth in retirement really means, from aligning your spending with your values to making smart pension choices, planning for business succession, and tackling real listener questions about emergencies, uneven expenses, and estate duties.
See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why a mid-year financial review is about much more than investment performance. They break down how to make sure your portfolio still aligns with your goals, uncover tax-saving opportunities before year-end, evaluate retirement progress, update estate planning documents, review beneficiary designations, and determine whether you're holding the ri...
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