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PODCAST

Financial Advisors Say The Darndest Things

A.B. Ridgeway, CPWA®️, MBA

Financial Planning for Parents with Adult ChildrenWelcome to our podcast where we help parents navigate retirement with their adult children. We teach you have to save for retirement, pass on wealth, and embrace family dynamics. Each episode we tackle real life situations and relate them to the 4 pillars of Investing:-Debt Management-Savings- Investing and-Estate Planning/Family DynamicsThe host, A.B. Ridgeway, MBA, CPWA®️ is a Certified Private Wealth Advisor professional, who has served over a

business investing

All Episodes

24:10

Most Americans would fail this personal finance quiz

Financial Advisors Say The Darndest Things ·

2024/11/04

In this episode, A.B. Ridgeway dives into the lack of financial literacy education in the U.S. and its consequences. He reflects on how credit cards are introduced to students before they learn the basics of budgeting, saving, or understanding interest. A.B. explores practical steps to reverse this trend and empower listeners to become more financially literate through informed choices and better saving habits.3 Key TakeawaysLack of Early Financial Education is CostlyMost people enter adulthood

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22:04

How do I know if I need a Financial Advisor?

Financial Advisors Say The Darndest Things ·

2024/11/03

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway breaks down the essential steps for deciding if hiring a financial advisor is the right move. He discusses key life changes—like having a baby, marriage, or retirement—when financial advice may be most beneficial.You'll learn about different types of advisors and when to hire one: proactively before a major decision or reactively after. A.B. also explains various payment structures, including hourly rates, flat fees, and

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34:46

Man loses entire savings after ex wife was left on...

Financial Advisors Say The Darndest Things ·

2024/11/02

In this rare part two episode, A.B. Ridgeway revisits a compelling story about a customer’s struggle with removing an ex from a joint account, resulting in a large sum being withdrawn without authorization. Through the breakdown of the call, A.B. highlights important financial lessons and practical customer service strategies for managing joint accounts effectively.3 Key TakeawaysTiming Your Leverage in Negotiations:Mentioning how long you’ve been a customer can be useful—but it’s more effective

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12:59

Many Americans struggle without an emergency savings

Financial Advisors Say The Darndest Things ·

2024/11/01

In this episode, A.B. Ridgeway challenges listeners to reflect on their financial priorities, specifically when it comes to building an emergency fund. Drawing from a report highlighting that one in four Americans have no emergency savings, A.B. discusses the common excuses people make for not saving and the mindset shifts necessary to prioritize financial security. He tackles the concepts of lifestyle creep, how inflation impacts saving, and the importance of setting financial goals to prepare for

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12:26

American tipping culture is changing thanks to the...

Financial Advisors Say The Darndest Things ·

2024/10/31

In this episode, A.B. Ridgeway tackles the ever-growing complexity of tipping in today's economy. As tipping expectations continue to rise, consumers are left wondering how much to tip, when to tip, and whether service fees really count as a tip. We explore the impact of tipping on both consumers and workers, as well as recent changes in wage laws that could shift the burden off the customer.Key Takeaways:Tipping Confusion: With so many service charges, delivery fees, and added costs, it’s difficult

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27:33

Woman invests $9.8M into Golden Corral Franchise and...

Financial Advisors Say The Darndest Things ·

2024/10/30

In this episode, A.B. Ridgeway dives into the fascinating and unfortunate story of a woman who won a $9.8 million lawsuit and invested it all into a Golden Corral franchise, only to lose it all in just 52 days. Inspired by a clip from comedian Shuler King, A.B. dissects the financial decisions behind the scenes and offers his expert financial advisor perspective. What could she have done differently? And what lessons can we take from this bizarre scenario?Key Takeaways:Diversification is Key: Rather

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21:55

Man loses entire savings after ex-wife was left on...

Financial Advisors Say The Darndest Things ·

2024/10/29

In this eye-opening episode, A.B. Ridgeway takes us through the harrowing experience of a man whose ex-wife drained their joint account of nearly $100,000. We explore the dangers of joint accounts, the importance of confirming financial paperwork, and how to stay calm when faced with financial crises. A.B. also provides actionable advice on preventing this kind of disaster and dealing with customer service effectively.Key Takeaways:Joint Accounts Come with Risks: No matter who contributes the most,

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15:36

Working longer may no longer be an option for...

Financial Advisors Say The Darndest Things ·

2024/10/28

In this episode, host A.B. Ridgeway discusses a common misconception about retirement: the idea that if you haven't saved enough, you can simply work longer. Featuring insights from economist Teresa Ghilarducci, A.B. Ridgeway challenges this notion and breaks down the harsh realities that many retirees face when trying to extend their working years. From the uneven distribution of longevity gains to the fallacy that all Americans can continue working well into their older years, this episode tackles

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10:58

Man chooses the wrong life insurance policy and his...

Financial Advisors Say The Darndest Things ·

2024/10/27

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway delves into a cautionary story about the complexities of life insurance policies. We examine the experience of a family who discovered that their loved one's life insurance policy wasn't what they thought it was. Listen in as we break down the details of decreasing death benefits, unexpected payout amounts, and how to protect yourself from falling into similar traps.Key Takeaways:Decreasing Death Benefits – Many life

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6:03

Retirees can't afford to stay retired, many are...

Financial Advisors Say The Darndest Things ·

2024/10/26

In this episode, host A.B. Ridgeway dives into the rising trend of multi-generational living as an unexpected but beneficial solution to the financial challenges retirees are facing. With inflation and high living costs, many families are blending households, but is this a step backward or an opportunity to strengthen family bonds? A.B. discusses the importance of planning for retirement, the benefits of combining resources, and how unconventional solutions, like accessory dwelling units (ADUs), can

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14:21

Retired Healthcare Executive romance scammed out of...

Financial Advisors Say The Darndest Things ·

2024/10/25

In this episode, A.B. Ridgeway discusses the rise of romance scams, including a particularly devastating case involving a retired healthcare executive, "Sue," who lost $2.5 million. A.B. breaks down the tactics scammers use, from emotional manipulation to financial exploitation, and offers insights on how to protect yourself from falling victim. Sue's story is a cautionary tale that underscores the psychological depth of these scams and the importance of recognizing red flags early.3 Key

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11:08

Should I roll my Traditional 401(k) into a Roth...

Financial Advisors Say The Darndest Things ·

2024/10/25

In this episode of Financial Advisors Say The Darndest Things, host A.B. Ridgeway breaks down a complex financial decision faced by many: should you roll your traditional 401k into a Roth? A listener from Dallas, Texas, asks whether it makes sense to convert her traditional 401k, with a large tax bill looming over her decision. A.B. provides expert insights into both the benefits and the potential drawbacks of making such a move.Key Takeaways:Tax Implications: Rolling over a traditional 401k into a

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15:28

Your credit card points are losing value and this is...

Financial Advisors Say The Darndest Things ·

2024/10/23

In today’s episode of Financial Advisors Say The Darndest Things, host A.B. Ridgeway breaks down why your credit card points may not be as valuable as they once were. With inflation driving prices up, the points you save may not stretch as far as they used to. Listen in as we explore inflation’s impact on your purchasing power and offer strategies for maximizing your rewards.Key Takeaways:Credit Card Points are Like Money: The points you earn from using credit cards are losing value as inflation

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20:43

70 year old man denies being romance scammed, son...

Financial Advisors Say The Darndest Things ·

2024/10/22

In this episode, A.B. Ridgeway dives into the story of a 75-year-old man who fell victim to a romance scam, losing his life savings of $150,000. His son shares the heartbreaking journey of trying to intervene and the psychological challenges his father faces. Despite numerous warnings, the man continued to believe in the scam due to the powerful grip of the "sunken cost fallacy." This episode sheds light on the dangers of financial scams, the emotional toll of loneliness, and how scammers prey on

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18:51

Why more Americans are living paycheck to paycheck...

Financial Advisors Say The Darndest Things ·

2024/10/21

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway breaks down the concept of lifestyle creep and how it could be silently sabotaging your financial freedom. Even with a six-figure salary, many Americans find themselves living paycheck to paycheck. A.B. dives into the psychology behind why we spend more as we earn more, and how this behavior can impact long-term financial security. Listen in as we explore practical strategies to overcome lifestyle inflation and build a more

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12:36

When do you know if you have enough for retirement?...

Financial Advisors Say The Darndest Things ·

2024/10/20

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway answers a question from Dominic in New Jersey, who asks, "How much should be my target for retirement?" Dominic is aiming for $3 million by age 62-67, but still worries that it might not be enough. A.B. breaks down how much you really need to retire, and whether those high retirement figures are realistic. He discusses 401k contributions, the importance of lifestyle in retirement planning, and how to balance aggressive

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8:02

Social Security Sends Warning To Update Your Online...

Financial Advisors Say The Darndest Things ·

2024/10/19

In this episode of Financial Advisors Say The Darndest Things, host A.B. Ridgeway dives into the important changes coming to the Social Security Administration's online portal and what Social Security recipients need to do to stay informed. Whether you are nearing retirement, currently receiving benefits, or assisting a loved one with their finances, understanding these updates is crucial to safeguarding your financial future.Key Takeaways:Update Your Social Security Account: If you registered for a

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13:59

Girlfriend steals $40,000 of his inheritance and...

Financial Advisors Say The Darndest Things ·

2024/10/18

In this episode of Financial Advisors Say The Darndest Things, host A.B. Ridgeway breaks down a dramatic call on the Dave Ramsey Show. A caller explains how his girlfriend, appointed as a payee for his inheritance, allegedly stole $40,000. A.B. Ridgeway explores the financial and emotional fallout, sharing key insights on how to protect your assets, avoid falling victim to fraud, and make wiser financial decisions in relationships.Key Takeaways:Protect Your Finances: It’s crucial to maintain control

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11:47

3 Tips to Build Your Emergency Fund when life throws...

Financial Advisors Say The Darndest Things ·

2024/10/17

In today’s episode, A.B. Ridgeway tackles a topic that is crucial for financial stability: replenishing your emergency fund. Whether you’re single, married, or an entrepreneur, your emergency fund is your financial safety net when life throws the unexpected your way.Key Takeaways:Customizing Your Emergency Fund The standard advice is to save 3-6 months of living expenses, but your situation may require more. Families with dependents or entrepreneurs should consider saving up to 12-24 months of

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14:24

Answering Your Top Money Questions: Retirement, Home...

Financial Advisors Say The Darndest Things ·

2024/10/16

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway, your host and favorite Christian Financial Advisor, dives deep into some of the most pressing financial questions from our listeners. From navigating the differences between a home equity loan and a home equity line of credit, to choosing the right short-term investments for retirement, A.B. offers sound advice and practical insights. Whether you’re near retirement or just starting to invest, this episode has something for

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402 results

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