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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

38:29

Why You Need to Understand Duration

Thoughts On Money [TOM] ·

2025/06/13

This week's blogpost - https://bahnsen.co/4l4j6C2Understanding Duration: Impact on Bond Investment Strategies In this episode of the Thoughts on Money Podcast, Trevor Cummings and Blaine Carver delve into the concept of duration and its significance in bond investments. They discuss how duration affects bond prices in response to changes in interest rates and offer practical examples to illustrate. Additionally, they reflect on the different investment scenarios and strategies during 2020 and 2025,

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35:27

Overwhelmed By Options

Thoughts On Money [TOM] ·

2025/06/06

This week's blogpost - https://bahnsen.co/4kPiJLpUnderstanding Options: Income Strategies and Market Mitigation In this episode of the Thoughts and Money Podcast, hosts Trevor Cummings and Blaine Carver tackle the complex topics of investing in options, specifically covered calls and buying puts. Titled 'Overwhelmed by Options,' the discussion aims to shed light on these intricate investment strategies, explaining how they work, their potential benefits, and the significant downsides. Using

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47:33

Unforced Errors

Thoughts On Money [TOM] ·

2025/05/30

This week's blogpost - https://bahnsen.co/4dKakXsAvoiding Unforced Errors in Your Financial Plan In this episode of the Thoughts on Money Podcast, hosts Trevor Cummings and Blaine Carver discuss the importance of avoiding unforced errors in various aspects of financial planning. The conversation delves into common mistakes such as concentrated stock positions, market timing, overlooked tax planning opportunities, and inefficient estate planning. The hosts emphasize the need for patience, proper

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38:32

Compounding Growth

Thoughts On Money [TOM] ·

2025/05/23

This week's blogpost - https://bahnsen.co/43FUXf8The Power of Compounding Growth: Basics, Beliefs, and Strategies In this episode of the Thoughts on Money Podcast (TOM), host Trevor Cummings and guest Blaine Carver discuss the importance and impact of compounding growth. Trevor shares insights from his recent article titled 'Compounding Growth,' inspired by real-life client interactions and the common disbelief about the power of compounding. They elaborate on the concept through various examples

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37:27

Nobody Knows Everything

Thoughts On Money [TOM] ·

2025/05/16

This week's blogpost - https://bahnsen.co/43vNFuiNobody Knows Everything: Navigating Financial Expertise and Collaboration In this episode of the Thoughts of Money Podcast, hosts Trevor Cummings and Blaine Carver delve into Trevor's recent blog article titled 'Nobody Knows Everything.' The discussion revolves around the importance of acknowledging the limits of one's knowledge and leveraging expertise through collaboration, particularly in the context of financial planning. They touch on topics

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36:56

Surplus, Steady, and Sinking – Three Types of Retirement

Thoughts On Money [TOM] ·

2025/05/09

This week's blogpost - https://bahnsen.co/4keLRM3In this episode of the Thoughts and Money Podcast ('Tom'), host Trevor Cummings and co-host Blaine Carver break down financial planning into three distinctive categories: surplus, steady, and sinking. They discuss how most Americans fit into these categories based on their spending and saving habits. The conversation covers the pros and cons of each financial trajectory, the psychological impacts, and the importance of understanding one's financial

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38:44

Why Dividend Growth?

Thoughts On Money [TOM] ·

2025/05/02

This week's blogpost - https://bahnsen.co/3YWQUs6The Case for Dividend Growth: Insights from the Thoughts and Money Podcast In this episode of the Thoughts and Money Podcast, host Trevor Cummings and colleague Blaine Carver delve into the subject of dividend growth investing. They discuss common questions from clients about why more people don't adopt dividend growth strategies and how these strategies differ from others touted as the best. Trevor shares his personal journey of becoming a dividend

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26:57

Surviving These Markets

Thoughts On Money [TOM] ·

2025/04/25

This week's blogpost - https://bahnsen.co/4jqFLrZThriving Amid Market Volatility: Insights and Strategies In this episode of the Thoughts and Money Podcast (Tom), host Trevor Cummings and guest Blaine Carver discuss strategies for navigating challenging market conditions. They reflect on the importance of empathy, encouragement, and truth in guiding clients through market downturns. Trevor recounts his recent trip to Dallas amidst stormy weather and both delve into the impacts of high-frequency

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31:23

Go-Go, Slow-Go, and No-Go Years

Thoughts On Money [TOM] ·

2025/04/18

This week's blogpost - https://bahnsen.co/4lCcyvyThe Stages of Retirement: Strategies for Go-Go, Slow-Go, and No-Go Years In this episode of the Thoughts on Money Podcast, host Trevor Cummings and guest Blaine Carver discuss financial planning for retirement, breaking it down into the 'go-go,' 'slow-go,' and 'no-go' years. They explore how spending patterns and needs change throughout each phase and stress the importance of flexibility in financial planning. Topics covered include the spending

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29:03

For Simplicity’s Sake

Thoughts On Money [TOM] ·

2025/04/04

This week's blogpost - https://bahnsen.co/4l9W0e1The Power of Simplicity in Financial Planning In this episode of the Thoughts on Money Podcast, hosts Trevor Cummings and Blaine Carver discuss the principle of keeping financial strategies simple, centered around the concept of Occam's Razor. They contrast this with the overly complex methods similar to Rube Goldberg's inventions and stress the importance of embracing simplicity in investing. Key areas covered include the problems with market

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33:55

The Prodigal Son

Thoughts On Money [TOM] ·

2025/03/28

This week's blogpost - https://bahnsen.co/4hTqXjQPractical Financial Advice: Preparing Your Heirs for Wealth In this episode of the Thoughts on Money Podcast, hosts Trevor Cummings and Blaine Carver discuss the importance of practical application in personal finance. They emphasize the difference between theoretical finance and practical advice, particularly when it comes to managing windfalls and preparing heirs for inheritance. Using examples like the Parable of the Prodigal Son and real-life

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26:35

Mind the Gap

Thoughts On Money [TOM] ·

2025/03/21

This week's blogpost - https://bahnsen.co/41LZ33hMind the Gap: Navigating Investor Psychology and Financial Planning In this episode of the 'Thoughts of Money' podcast, host Trevor Cummings is joined by Blaine Carver to discuss the concept of 'Mind the Gap' in financial planning. They explore how understanding the gap between asset growth and expenses is crucial for long-term financial health. The conversation covers the importance of withdrawal rates, the limitations of traditional financial

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21:13

Taking Inventory of Your Cash

Thoughts On Money [TOM] ·

2025/03/14

This week's blogpost - https://bahnsen.co/4iNZBweTaking Inventory of Your Cash: Balancing Security and Growth In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings delves into the concept of taking inventory of your cash. Discussing the 'squirrel principle' and the psychology behind holding large amounts of cash, Trevor explores the pros and cons of cash in managing near-term and emergency expenses versus its long-term disadvantages in the fight against inflation. He offers

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26:02

Answering Your Questions - Part 4

Thoughts On Money [TOM] ·

2025/03/07

This week's blogpost - https://bahnsen.co/4iaAOD0Financial Wisdom, Tools, and Advice: Answering Your Questions In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings, joined by guest Darren Lightfoot, wraps up the mini-series on answering listener questions. They dive deep into topics like financial book recommendations for youth, the importance of behavioral finance foundations from sources like Proverbs and modern literature, and share their most crucial pieces of financial

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26:44

Answering Your Questions - Part 3

Thoughts On Money [TOM] ·

2025/02/28

This week's blogpost - https://bahnsen.co/3XjyQYtExploring Taxes and Principal Withdrawal in Retirement: Listener Questions Answered In this episode of the Thoughts of Money podcast, hosts Trevor Cummings and Blaine Carver delve into listener questions about managing taxes and withdrawing principal in retirement. The discussion touches on common tax misconceptions, the impact of interest rates on tax bills, and strategies for achieving tax efficiency. They also explore the psychological and

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34:31

Answering Your Questions - Part 2

Thoughts On Money [TOM] ·

2025/02/21

This week's blogpost - https://bahnsen.co/3QACWaFThoughts on Money: The Benefits of Giving and Investment Strategies In this episode of the Thoughts on Money podcast, Trevor Cummings and co-host Blaine delve into several thought-provoking financial topics. They discuss the advantages of giving wealth during one's lifetime versus bequeathing it after death, highlighting both qualitative and quantitative benefits. The hosts also explore the current trend of investing in U.S. Treasury bills instead of

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41:05

Answering Your Questions - Part 1

Thoughts On Money [TOM] ·

2025/02/14

This week's blogpost - https://bahnsen.co/3Qk01hUAnswering Your Financial Questions: Annuities, Social Security, and Roth vs. Traditional IRAs In this episode of the Thoughts on Money Podcast, Trevor Cummings and Blaine Carver discuss various financial topics including annuities, the best time to claim Social Security benefits, and whether to fund a Roth or traditional IRA. Trevor emphasizes the importance of identifying the risks annuities mitigate, such as longevity and emotional risk. They delve

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35:22

Should I Own Bonds?

Thoughts On Money [TOM] ·

2025/02/07

This week's blogpost - https://bahnsen.co/40Ph7J9Bonds Explained: Understanding Their Role and Importance in Investment Portfolios In this episode of the Thoughts on Money podcast, host Trevor Cummings is joined by guest and colleague Blaine Carver. They discuss bonds, distinguishing between stocks and bonds, and explaining the foundational concepts of owning and loaning money. The conversation delves into government bonds, interest rates, and their impact on personal finance. Blaine articulates

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30:27

Oversold & Underserved

Thoughts On Money [TOM] ·

2025/01/31

This week's blogpost - https://bahnsen.co/3Ekku3kGuiding Financial Futures with Purpose: A Conversation with Josh Klooz In this episode of the Thoughts on Money (TOM) Podcast, hosted by Trevor Cummings, special guest Josh Klooz shares his journey from serving in the military to entering the finance industry, emphasizing the importance of trust and personal connection in financial advising. They discuss the pitfalls of marketing in the financial industry, the necessity of caring for clients beyond

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22:02

Prepare for the Worst

Thoughts On Money [TOM] ·

2025/01/17

This week's blogpost - https://bahnsen.co/3DZvaUYPreparing for Unexpected Disasters: Financial Planning Essentials In this episode of the Thoughts on Money podcast, host Trevor Cummings is joined by Sean Latimer to discuss the importance of financial preparedness in the wake of natural disasters, specifically focusing on the recent devastating fires in Southern California. They share personal experiences, emphasize the importance of thorough insurance reviews, maintaining an inventory of home

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249 results

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