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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

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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25:32

Simple Advice to Start out the New Year

Thoughts On Money [TOM] ·

2025/01/10

This week's blogpost - https://bahnsen.co/40dvKFYConsolidation Over Resolutions: Simplifying Your Finances for a Healthier Financial Future In this New Year episode of the Thoughts on Money (TOM) podcast, host Trevor and guest Blaine Carver discuss the pitfalls of multiple financial accounts and the importance of consolidation. Through personal anecdotes and practical insights, they highlight the challenges of managing numerous banking relationships, the complications for estate planning, and the

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33:42

The Heart of Financial Advice

Thoughts On Money [TOM] ·

2024/12/20

This week's blogpost - https://bahnsen.co/41GZwW0The Heart of Financial Advice: Insider Insights from the Thoughts on Money Podcast In this episode of the Thoughts on Money podcast, host Trevor Cummings is joined by Blaine Carver, author of the Thoughts on Money blog. They reflect on the year 2024 and discuss Blaine’s recent article, 'The Heart of Financial Advice.' The conversation delves into their personal journeys in the financial advice industry and the evolution of their roles from analysts

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30:56

Understanding Average Returns

Thoughts On Money [TOM] ·

2024/12/13

This week's blogpost - https://bahnsen.co/3ZA5XY7Setting Realistic Expectations in an Exceptional Market Year In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings discusses financial expectations with his guest, Blaine Carver. They reflect on memorable personal experiences from sports events and how these relate to setting realistic expectations in investing. They emphasize the importance of understanding average returns, the atypical nature of recent market performance, and

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29:56

The Official End of Year Checklist

Thoughts On Money [TOM] ·

2024/12/06

This week's blogpost - End-of-Year Financial Planning with Special Guest Darren Lightfoot In this episode of the Thoughts on Money Podcast, host Trevor Cummings welcomes special guest Darren Lightfoot to discuss end-of-year financial planning. The episode covers a range of practical topics including creating a checklist for year-end, the importance of making contributions, distributions, and donations before the year closes, and strategies for tax-efficient giving. Darren shares his personal

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37:20

Future Stock Returns - Revisited

Thoughts On Money [TOM] ·

2024/11/22

This week's blogpost - https://bahnsen.co/4i45vK6Strategic Moves for a High Valuation Market In this episode of the Thoughts on Money Podcast, host Trevor Cummings joins colleagues Sean Latimer and Sean Ullrich to discuss the implications of future stock market returns predicted by a Goldman Sachs article. They revisit the topic to offer actionable advice for clients concerned about high market valuations. Key points include the importance of understanding valuations, the risks of market timing,

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33:55

The Secret to Financial Serenity

Thoughts On Money [TOM] ·

2024/11/15

This week's blogpost - https://bahnsen.co/3UT2L8uThe Secret to Financial Serenity: Confidence and Strategy Join Trevor Cummings and today's author Blaine Carver as they explore the core elements of financial confidence in this engaging episode of 'Thoughts on Money.' They discuss Blaine's latest blog article, 'The Secret to Financial Serenity,' delving into the psychology of money, the importance of financial planning, and how to manage investments. They share personal anecdotes, including Trevor's

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32:22

Saving on Taxes

Thoughts On Money [TOM] ·

2024/11/08

This week's blogpost - https://bahnsen.co/3CgKBaBSaving on Taxes: The Power and Pitfalls of Roth Conversions In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings and guest Blaine Carver dive into strategies for saving on taxes, focusing particularly on Roth conversions. They discuss the often misunderstood benefits of converting retirement accounts into Roth IRAs, where taxes are paid upfront but future growth is tax-free. The episode explores the historical shift from

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33:04

Returns Over the Next 10 Years

Thoughts On Money [TOM] ·

2024/11/01

This week's blogpost - https://bahnsen.co/4f8lpS0Predicting the Next Decade's Market Returns: An In-Depth Analysis In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings, along with Blaine and Sean, delve into the topic of future market returns, discussing insights from a recent Goldman Sachs research paper predicting stock market returns of around 3% annually over the next 10 years. The discussion covers the implications of high valuations, potential economic catalysts, and

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37:15

Can You Afford It?

Thoughts On Money [TOM] ·

2024/10/18

This week's blogpost - https://bahnsen.co/3NrWc90Transforming Financial Mindsets: From Planning to Legacy In this multifaceted episode of the 'Thoughts on Money' podcast, hosts Trevor Cummings and Blaine Carver delve into various aspects of financial decision-making and planning. They discuss Trevor's blog article 'Can You Afford It?' and debate the merits of financial stretching in contexts like real estate and insurance, taking into account different life stages. The conversation reframes the

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35:09

Don't Believe the Lies

Thoughts On Money [TOM] ·

2024/10/11

This week's blogpost - https://bahnsen.co/4h3n4cKNavigating Half Truths in Finance and Life In this episode of the Thoughts on Money Podcast, host Trevor Cummings, along with co-host Sean Latimer, discusses the complexities of handling half truths in financial decisions and personal life. The conversation navigates through the challenges Trevor faced preparing sermons, particularly on the tough topic of unforgiveness, drawing parallels to financial advisory. They explore how misleading half truths

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31:45

The Line and The Circle – Spending in Retirement

Thoughts On Money [TOM] ·

2024/10/04

This week's blogpost - https://bahnsen.co/4ePs5nrReprogramming Financial Mindsets: From Earning to Spending This episode of the 'Thoughts on Money' podcast features Blaine Carver, Sean Latimer, and Trevor discussing the need to reprogram financial mindsets, particularly as one transitions from earning a steady income to spending in retirement. The conversation highlights common misconceptions, such as the belief in maintaining lifelong spending habits, the influence of personal anecdotes related to

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41:15

Eating Elephants

Thoughts On Money [TOM] ·

2024/09/27

This week's blogpost - https://bahnsen.co/4gJS8OTNavigating Big Decisions: Frameworks for Financial Planning In this episode of the Thoughts on Money podcast, host Trevor Cummings, along with Sean Latimer and Blaine Carver, discusses strategies for tackling big life decisions and financial planning. They explore the concept of breaking down overwhelming tasks into manageable steps, using a humorous anecdote about choosing schools for their children and buying a conversion van. The conversation

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35:45

You've Got to Be Kidding Me

Thoughts On Money [TOM] ·

2024/09/20

This week's blogpost - https://bahnsen.co/3Xw16GrNavigating Financial Media Hype and Sensationalism In this episode of the Thoughts on Money (TOM) podcast, host Trevor Cummings, along with Sean Latimer and Blaine Carver, delve into the impact of sensationalism in financial media. They discuss a particular article titled 'You've Got to be Kidding Me,' examining why sensational headlines attract more reader engagement. The conversation covers topics such as market volatility, the unpredictability of

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33:36

Dollar-Cost-Averaging

Thoughts On Money [TOM] ·

2024/09/13

This week's blogpost - https://bahnsen.co/4d9Z1FYMastering Dollar Cost Averaging: Soccer Strategies for Smarter Investments In this episode of the Thoughts on Money Podcast, hosts Trevor Cummings and Blaine Carver discuss the importance of dollar cost averaging (DCA) as an investment strategy. Blaine shares an engaging analogy comparing DCA to soccer strategies, specifically the buildup approach and counterattack method, which helps simplify the concept for listeners. The conversation covers the

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255 results

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