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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

17:53

The Conversion Conversation

Thoughts On Money [TOM] ·

2022/11/18

End-of-year planning has officially begun. My days are filled with questions about tax loss harvesting, end-of-year retirement contributions, and a plethora of inquiries about Roth conversions. It’s always been my preference here on Thoughts On Money to tackle the “softer side” of financial planning, and I typically veer away from the more technical or nuanced topics. Primarily because these topics can be a bit of a snooze for the average reader, and my hope is that you would collaborate with your

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27:44

Historical Precedent

Thoughts On Money [TOM] ·

2022/11/04

In the last few weeks, I have had more conversations about a recession – and what that would mean to markets – than I’ve ever had in my entire career. As I’ve mentioned before, I heard one pundit cleverly ascribe this as the most anticipated recession of all time. Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

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23:46

Informed Precision

Thoughts On Money [TOM] ·

2022/10/28

This week on Thoughts On Money I would like to dive into a question a client recently asked me. The question was focused around how an investor stays engaged in the daily happenings of markets without negatively impacting their posture as a long term investor. Often the news of the day can be troubling, and sometimes the barrage of content can cause us to take our eyes off the prize – our long term goals. So, please join me as I explain how parenting, surgery, and investing all have a lot in

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29:01

What Are You Aiming At?

Thoughts On Money [TOM] ·

2022/10/14

In 2004, Matthew Emmons would make one of the most memorable Olympic blunders in history. I encourage you to join us for our discussion today on the importance of aiming at the right financial targets. Come learn about Emmons's big miss and how you can avoid making the same mistake with your personal finances. Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

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30:41

Return On Stress

Thoughts On Money [TOM] ·

2022/10/07

September. Was. Ugly. The S&P 500 was down more than 9% in the month of September alone. Markets were dropping, and investors were stressing. When it comes to investing, we have a lot of metrics and measurements to analyze investments. We typically like to express these measurements in ratios – allowing us to compare one particular figure with another. Think return-on-investment or price-to-earnings ratios. Here’s a ratio you won’t find in your financial textbook: return on stress. As you

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26:08

Fo-evah!

Thoughts On Money [TOM] ·

2022/09/29

Kids are the best. They say the funniest things, and they don’t mind telling you exactly how they feel. They’ll give you the unvarnished truth, whether you want it or not. My four-year-old can get grumpy sometimes, as many four years olds can. It’s hard not to laugh when he gets upset, as he crosses his arms, puffs up his bottom lip, and gives a stomp and a humph. This sequence is usually followed by the declaration, “Daddy, I’m going to be upset forever.” He emphasizes the “forever” part,

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25:38

Bingo, Bango, Bongo!

Thoughts On Money [TOM] ·

2022/09/23

Here at The Bahnsen Group, our Founder and namesake for the firm, David Bahnsen, wrote a book outlining our primary investment strategy, The Case for Dividend Growth: Investing in a Post-Crisis World. This Dividend Growth portfolio, which we refer to as Core Dividend, is made up of approximately 30 individual businesses (stocks). This number of securities was not chosen at random, it is much like that of a golf bag holding 14 clubs. At 30 securities, our investment committee, and our team of

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29:04

Timing Isn't Everything

Thoughts On Money [TOM] ·

2022/09/16

What’s For Dinner? Ok, let me set the scene… Your spouse, your significant other, your friend, your sibling, or someone close to you says, “Let’s go out to dinner tonight! Your choice, just say where…” For the next few minutes, you list off ideas one by one, and your counterpart shuts down each of them. Sometimes with a “Nah,” sometimes just a look of disgust, and sometimes with a “Didn’t we just go there?” Until you finally feel defeated and surrender with the response, “Where do you want to

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32:19

Portfolio By Design

Thoughts On Money [TOM] ·

2022/09/09

Today I want to talk about portfolio design. Specifically, I want to start with the basics; the foundational concepts of how one begins to build a portfolio. But first, let’s talk a little bit about road trips… Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

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29:09

Storm Chasers

Thoughts On Money [TOM] ·

2022/09/02

It was May 10th, 1996, when Twister hit the box office, a popular action-packed thriller that was the second highest-grossing film of the year. This fictional flick sparked the popularity of “storm chasing” across the country. Fun Fact: Twister was the first film to be released on DVD in the US. Some twenty-six years later and the enamor for storm chasing has not faded. A number of travel companies even specialize in storm chasing-led-adventure tours. Throughout tornado alley, local news outlets

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26:58

Permission to Transact

Thoughts On Money [TOM] ·

2022/08/19

I’m writing today specifically to give you permission to transact. If you’ve met with your family and your financial advisor and you’ve collectively decided that it makes sense for your financial plan to acquire a new property - do it. If you’ve met with your family and your financial advisor and you’ve collectively decided that it makes sense for your financial plan to sell a property you currently own - do it. I’m seeing too much concern/anxiety out there about where real estate markets will go

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31:22

It's All a Bunch of Pooh

Thoughts On Money [TOM] ·

2022/08/12

A Practitioner's Perspective I know I’m not the smartest guy you’ll ever meet. And I know I don’t have a reputation or record of predicting macroeconomic events. So why listen to what I have to say? Well, I have a distinctive vantage point as an advisor - as a practitioner versus an academic - who talks to investors all day long, every day. I know what makes investors tick. I advise folks to make wise financial decisions, and I know what fears and concerns are currently dominating their thought

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23:49

On The Contrary

Thoughts On Money [TOM] ·

2022/07/29

So, you’ve decided that you are going to purchase a new vehicle and you’ve narrowed your focus down to one particular make and model. You’ve even determined the color along with all the bells and whistles you’d like on this new gem. Then, you can’t help but notice your desired automobile everywhere – on the freeway, driveways in your neighborhood, the parking garage at work, etc. It “feels” like now that you’ve concluded your target buy that there has been a dramatic increase this week in the

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27:45

Digesting The DC Today

Thoughts On Money [TOM] ·

2022/07/22

On a few different occasions, over the last handful of weeks, I’ve had the pleasure of filling in for David Bahnsen on The DC Today. The format and style of these [The DC Today] writings are a lot different than what I am accustomed to. The focus is much more on current events, tidbits of all things markets, and politics happening around the world today. When asked to fill in, I was reluctant at first. If I am being honest, I was a little overwhelmed by the task, but in hindsight, I can say that

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35:13

Expense Based Planning - Revisited

Thoughts On Money [TOM] ·

2022/07/15

I love good questions. The type of questions that stop you in your tracks and really make you think. Not a cornering question nor combative one, but an inquisitive one that is birthed from the inquirer’s true curiosity. For me, this is how I learn – pulling on a particular topic thread to get a deeper understanding of the nuance. Sean Latimer is my most frequent co-host on the Thoughts On Money Podcast, a dear friend of mine, and a colleague here at The Bahnsen Group. Sean asked me on a recent

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31:17

Quite Interesting

Thoughts On Money [TOM] ·

2022/07/01

Today I’d like to discuss interest rates, which have been a hot topic in markets. I want us all to understand both the basics of interest rates and how interrelated interest rates are to the markets at large. To me, Rube Goldberg’s art expresses both the complexity and chain reaction nature of interest rates, as well as the simple results/outcomes they produce. A home purchaser might see their mortgage rate as a simple cost function that determines their monthly payment (simple), but they might also

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37:35

Weighing Your Options

Thoughts On Money [TOM] ·

2022/06/17

In the language of computers, you have a binary system made up entirely of zeros and ones. It took me a long time to realize that the language of financial planning is not binary. For a perfectionist, it is very hard to break out of the mode of complete optimization and maximization. As I’ve matured as a planner, I’ve learned how incredibly important the qualitative factors, the psychology, and the investor’s preferences are to the equation. Today, I’d like to dig into three examples of where we

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32:07

Figuring Out Your Finances

Thoughts On Money [TOM] ·

2022/06/10

Last week I talked about one of our family traditions growing up – watching Jeopardy together. One of our other favorite pass times was and is, playing cribbage. Whenever we’d have friends over we’d teach them how to play so they could join in the fun. Cribbage isn’t go-fish, but it also isn’t bridge. All that to say, you could easily teach the basics of the game in 10 minutes. We always started with the key numbers you have to know if you are playing cribbage – 15 and 31. The game has lots of rules

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19:47

Hodgepodge and Potpourri – Part Two

Thoughts On Money [TOM] ·

2022/06/02

Today we will pick up part two of Hodgepodge and Potpourri. As you may recall from part one, watching Jeopardy was a family tradition growing up at my house. Nostalgia has led me to borrow these popular Jeopardy categories - Hodgepodge and Potpourri - as an excuse for me to riff on a few unrelated finance topics that have caught my interest recently. So, let’s jump right into it and pick up where we left off… Links mentioned in this

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28:22

Hodgepodge and Potpourri

Thoughts On Money [TOM] ·

2022/05/20

I grew up watching Jeopardy with my family; it was a family tradition. I remember being amazed by how many answers my parents knew. Every so often, I’d sneak in with the right answer on a sports trivia category. This time together would eventually morph into family Trivial Pursuit (the board game) nights, where I’d team up with mom or dad versus one of my siblings. I remember as a young adult being over at a friend’s house and watching their family enjoy Jeopardy together too. My friend’s father

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