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PODCAST

Thoughts On Money [TOM]

Trevor Cummings

THOUGHTS ON MONEY [TOM] is a podcast looking at simple truths on money. Everything from budgeting to investing to decision making. A great place to come for answers to your personal financial questions or to spark thought on how to improve your financial life.

business investing

All Episodes

27:08

The Only Thing We Have to Fear

Thoughts On Money [TOM] ·

2023/05/19

This week's blogpost - https://bahnsen.co/3MILA6a From my vantage point, a lot of investors are sitting on their hands right now. There seems to be a hesitation to buy real estate, stocks, and any other risk assets. Everyone is in a sit-and-wait posture. I believe much of this is driven by fear, a fear that can be paralyzing for many. Yet, your financial goals do not sit-and-wait. They are dependent on prudent financial decisions and actions. Please join me as we unpack this further in today’s

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23:23

Spending Matters Most

Thoughts On Money [TOM] ·

2023/05/05

This week's blogpost - https://bahnsen.co/3Vy7trq Please join me today for a few fun stories. You will learn about the number one rule in our house growing up and how I absolutely butchered the catering order for my son's 1st birthday. As I typically do, these stories will bring us back to financial planning. I will explain why accurately estimating your expenses may be the most important component of your financial plan. Additionally, I will walk you through some practical steps for how you can

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25:30

Solving the Puzzle of Your Financial Picture

Thoughts On Money [TOM] ·

2023/04/28

This week's blogpost - https://bahnsen.co/3oDKHlx I’m not sure if this is a cultural phenomenon or just how we are wired as humans, but I see so many people agonize and dwell on the minors while ignoring the majors. You can’t stop thinking about that nick on your new car, your teenage daughter can’t stop looking at that pimple in the mirror, your husband can’t stop complaining about that slightly crooked outlet in your home. We tend to obsess over the small (the minor) while failing to focus or even

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27:28

The Art of Earmarking

Thoughts On Money [TOM] ·

2023/04/21

This week's blogpost - This may seem silly, but I do believe it’s important for you to be aware of who you are, how you operate, and what type of financial environment suits you best. Sure, we could poke fun at smaller plate sizes or coloring books during lesson time, but we also have to realize that our success will depend on these types of strategies and approaches that help protect us from our most common financial obstacles. For me, the art of earmarking is such a key component of my own

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27:10

Finding Financial Freedom

Thoughts On Money [TOM] ·

2023/04/14

This week's blogpost - https://bahnsen.co/415sGen One of the most difficult things for me when I quit competing as a cyclist was staying motivated to exercise. I quit competing when I was 20 and continued to work at a fitness center for the next five years, yet I had so much trouble finding the motivation to work out. There really should’ve been no excuses – I had a free gym membership, and I could’ve worked out before work, during lunch, after work, or really any time – the gym was open 24

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30:42

Why It's Sometimes OK to Underperform - Revisited

Thoughts On Money [TOM] ·

2023/04/07

This week's blogpost - https://bahnsen.co/3nOuUA2 Today we will revisit an article I wrote back in February of 2020, which seems like forever ago. There is such a benefit to reflect on how we were thinking back then and how things played out over the next two years. The original article was inspired by a conversation with a friend who abandoned his investment strategy. I recently had the opportunity to speak with him and see how this change of course has impacted his portfolio over the last

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29:01

Chihuahua Markets

Thoughts On Money [TOM] ·

2023/03/24

This week's blogpost - https://bahnsen.co/3luKIY5 Growing up, I had a lot of pets; my family loved animals. We had cats, we had dogs. We had snakes, we had lizards. We had turtles, we had rabbits. At one point, I think we may have had a chinchilla. When I was in kindergarten, we had a whippet, a dog breed that looked almost like a miniature greyhound. His name was Whip. Real clever, right? In high school, my mom ended up adopting/rescuing a chihuahua. This was around the same time as those Taco

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33:17

Lessons from SVB

Thoughts On Money [TOM] ·

2023/03/17

This week's blogpost - https://bahnsen.co/42mZeRZ I was at a tension point with what I wanted to discuss here on Thoughts On Money today; I was really feeling torn. The newsfeed this week has been absolutely flooded with analysis, opinion, and speculation on the demise of Silicon Valley Bank (SVB). What you don’t need is another opinion or perspective on what happened. Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

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29:34

Too Good To Be True

Thoughts On Money [TOM] ·

2023/03/10

This week's blogpost - https://bahnsen.co/3T5kkjI I have a simple truth to present to you today – if it seems too good to be true, it’s probably too good to be true. Please join me as we navigate the importance of investor maturity and how some financial products aren’t always as they seem. I will take you in a time machine back to the start of my career, provide you with some shocking comparisons, and much more. Links mentioned in this

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21:08

FOMO on Interest

Thoughts On Money [TOM] ·

2023/03/03

Today's Post - https://bahnsen.co/3J91t3Q Today I want to discuss a very simple and actionable planning item – the interest rate you are earning on your cash. As we know, inflation and interest rates are spiking, yet still, the national average yield for savings accounts is less than 0.25%. Please join me as we dive right in and address what a saver is to do in these interesting times we are living in. Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

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29:38

Magnify Revisted

Thoughts On Money [TOM] ·

2023/02/17

Last week I celebrated my birthday, and this week I got to enjoy one of my birthday gifts – Warriors tickets (NBA basketball). My in-laws sweetened this gift by also volunteering to watch our kids, so my wife and I could go together. The drive from home to the arena is modest in miles and daunting in drive time – LA traffic. I laugh in hindsight, but I was fumbling to find directions, as I kept asking Siri to pull up directions based on the old name of the arena. I’d ask to be navigated to

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24:32

False Alarms

Thoughts On Money [TOM] ·

2023/02/10

First, a false alarm (fire drill) interrupted a client conversation at the office. Next, a false alarm woke me up from a dead sleep at home. Today, we will discuss the importance of not mistaking false alarms for fires when it comes to investing. A simple financial truth that I’d encourage you to heed. Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

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26:30

Fool's Gold

Thoughts On Money [TOM] ·

2023/02/03

Today, I’d like to address a financial misconception that’s running rampant right now in the world of personal finance. Financial anxiety and economic uncertainty are spiking, and investors are speculating if we are in a recession, approaching a recession, or potentially avoiding a recession. This climate, and the overall general sentiment, have left many investors wanting to avoid risk assets like the plague. The beauty queen of the last 6 months or so has been the two-year treasury. I can’t

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22:01

Who's Got Your Ear?

Thoughts On Money [TOM] ·

2023/01/27

Today I would like to address a very simple question: where do you go for advice A very straightforward inquiry but an important one nonetheless. As it often is in personal finance, sometimes the simplest questions can be the most revealing and thought-provoking. To help illustrate what I’m referring to here, I’d like to start with a personal story that I’m sure some of you can relate to. Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

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25:07

Respecting Time Horizons

Thoughts On Money [TOM] ·

2023/01/13

In the last week or so, I’ve fielded numerous calls that have all revolved around the same or similar questions. An investor has some surplus savings they’ve earmarked to spend in the near future, and they are wondering where to park these funds. I’ve found myself repeatedly cautioning people away from placing short-term monies into long-term investments. This a good reminder for all of us regarding the importance of respecting time horizons. Please join me while I unpack this crucial financial

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20:33

A Tale of Two Brothers

Thoughts On Money [TOM] ·

2023/01/06

Each and every one of us needs A.A. (Awareness and Accountability). The path to successful investing relies on (1) educating ourselves to become aware of what good investor behavior looks like and (2) resourcing the right advice-giver to help hold us accountable to making good decisions. Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

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27:39

Experiencing Turbulence

Thoughts On Money [TOM] ·

2022/12/22

As we wrap up 2022, what better time than now to reflect on our blessings and begin to meditate on our own financial objectives for the coming year. For some, prioritization will be key and candid conversations with their financial advisor on these matters will be important. For others, a reminder is needed that with wealth comes responsibility and an added level of complexity as we layer on the piece regarding legacy planning. For the Cummings household, we are feeling absolutely blessed by our

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24:22

Just One Word

Thoughts On Money [TOM] ·

2022/12/16

Today, I would like to answer the question that has no right answer. Sounds like a fun little exercise, right? I want you to take a moment and ponder this query: What is the single most important word in personal finance? One’s answer to this question could evolve and morph over time. Depending on your season of life or recent experiences, perhaps your answer changes. For others, maybe the answer to this question is the same as yesterday, today, and tomorrow. Personal finance is… personal. So,

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23:51

The Index Card

Thoughts On Money [TOM] ·

2022/12/01

You know that friend, the one who always has a counterargument, an obscure factoid, or tidbit they throw out; the one who’s always looking for a drop-the-mic type moment – the devil’s advocate in all situations. Their comments always sound something like, “I read this article once…” or “This survey actually showed that…” or “Despite the common assumption…” The friend that has a hand full of these trump cards he or she is always ready to drop. I hope my friends aren’t reading this because they might

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17:46

Turkey Time Temptations

Thoughts On Money [TOM] ·

2022/11/23

STOP!! DON’T DO IT!! You just had a conversation with your second cousin's husband over Thanksgiving dinner, and he gave you this “great” investment idea or financial advice. His pitch was persuasive, and that finance class he took in college, along with his morning habit of reading the Wall Street Journal, makes him seem credible. In all reality, that extra dose of tryptophan from your second helping of turkey doesn’t only make you sleepy, it also makes you susceptible to bad financial

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