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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

41:28

If You Could Ask Just One Question

Thoughts On Money [TOM] ·

2026/04/17

This week's blogpost - https://bahnsen.co/4mUGiFbTrevor Cummings hosts the Thoughts On Money podcast with Brett Bonecutter to discuss a due diligence hypothetical: if you could ask an advisor or investment manager only one question, it should be “How do you invest your money?” Drawing on Nassim Taleb’s “skin in the game” idea, Trevor argues behavior and portfolio holdings reveal true beliefs more than polished pitches. He recounts meeting a Twitter-famous fund manager whose personal investments

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46:06

Room for Life

Thoughts On Money [TOM] ·

2026/04/10

This week's blogpost - https://bahnsen.co/4sIiJ3HOn the Thoughts On Money Podcast, hosts Blaine Carver and Brett Bone Cutter talk with Director of Financial Planning Matt Gregory about his article “Room for Life,” inspired by running in New York City and Morgan Housel’s The Psychology of Money. Gregory explains the need to balance detailed modeling with the reality of uncertainty, using conservative assumptions (often planning to age 100) to create flexibility so plans can absorb pivots without

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46:16

Was Jesus a Socialist?

Thoughts On Money [TOM] ·

2026/04/03

This week's blogpost - https://bahnsen.co/3PHCjiBHost Trevor Cummings, with Brett Bonecutter and Blaine Carver, discusses whether Jesus’ teachings support socialism, prompted by Senator Raphael Warnock citing Matthew 25 in policy debates about poverty and healthcare. Brett argues socialism is often invoked as a moral claim and defines it as collective ownership and cooperative regulation to constrain private self-interest, then contends Jesus’ teachings and biblical law assume private and real

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46:45

What Kind of Spending Makes Us Happy?

Thoughts On Money [TOM] ·

2026/03/27

This week's blogpost - https://bahnsen.co/40YZ2JjTrevor Cummings hosts the Thoughts and Money Podcast with Brett and Blaine as they discuss Blaine’s article, “What Kind of Spending Makes Us Happy?” using stories about kids choosing purchases, trips to Disneyland and Chuck E. Cheese, and how adult spending often runs on autopilot amid frequent transactions and subscription costs. They contrast “happiness” with more lasting “joy,” describe how budgeting should start with the “why,” and note how

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52:12

American Debtmageddon

Thoughts On Money [TOM] ·

2026/03/20

This week's blogpost - https://bahnsen.co/3PkPu91Trevor Cummings hosts the Thoughts and Money podcast with Brett “Bone Cutter” and Blaine Carver to address recurring client fears about soaring U.S. national debt and whether “Debt-mageddon” is imminent. They clarify deficit vs. debt using a household analogy, explain how Treasury issuance funds deficits, and cite projected 2026 figures: ~$5.6T receipts vs. ~$7.4T spending, ~ $1.9T deficit, and over $1T of interest expense, with ~75% of spending

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45:57

Convictions > Confirmity

Thoughts On Money [TOM] ·

2026/03/13

This week's blogpost - https://bahnsen.co/4bFGcwTTrevor Cummings hosts The Thoughts on Money Podcast with Brett Bonecutter and Blaine Carver to discuss “convictions over conformity,” arguing that shallow convictions lead investors to chase hot trends and abandon strategies when results turn. They contrast conformity/coercion with conviction by comparing Prohibition (a short-lived, legally forced attempt to curb alcoholism) with Alcoholics Anonymous (a long-lasting program rooted in personal

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49:31

Shortcuts, Head Starts, and Changing Lanes

Thoughts On Money [TOM] ·

2026/03/06

This week's blogpost - https://bahnsen.co/47grFFjTrevor Cummings hosts the Thoughts and Money Podcast with Brett Bonecutter and Blaine Carver, discussing his blog topic “Shortcuts, Head Starts and Changing Lanes.” After attending a conference job fair for aspiring financial advisors, they critique “fast track” career programs and argue against career and investing shortcuts, emphasizing foundation-building, patience, and willingness to do early “dirty work.” They compare shortcuts to chasing penny

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40:06

Opting For Wisdom: Options Trading Basics

Thoughts On Money [TOM] ·

2026/02/27

This week's blogpost - https://bahnsen.co/4rAtQvDTrevor Cummings, hosting with a lost voice, interviews blog author Brett Bonecutter about his COVID-era entry into the options-trading subculture after being taught by a former bond trader. Brett describes early euphoric gains from a single strategy in a favorable market that led to confirmation bias, followed by significant losses when conditions changed and he wasn’t nimble enough to adapt, noting how traders often highlight winning trades while

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42:10

Are Your Market Expectations Realistic?

Thoughts On Money [TOM] ·

2026/02/20

This week's blogpost - https://bahnsen.co/4tQ4xaATrevor Cummings hosts the Thoughts of Money Podcast with article author Blaine Carver and Brett Bonecutter, discussing Carver’s piece “Stock Market Expectations.” Using examples from relationships, premarital counseling, and sports fandom, they emphasize that expectations must be communicated early, clearly, and realistically to avoid disappointment, resentment, and poor decisions. They connect this to investing by explaining how stocks can fall even

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51:13

Investment Du Jour

Thoughts On Money [TOM] ·

2026/02/06

This week's blogpost - https://bahnsen.co/3ZQiqYmIn this episode of the 'Thoughts So Money' podcast, host Trevor Cummings, joined by Blaine Carver and Brett Bonecutter, discusses the perils of fad investing, drawing comparisons with the long-term success of a grounded investment philosophy. The conversation explores various speculative trends, including cryptocurrency and gold, and emphasizes the importance of understanding the historical context and adhering to investment principles rooted in

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44:22

Five Home Financing Hacks

Thoughts On Money [TOM] ·

2026/01/30

This week's blogpost - https://bahnsen.co/4t4WLctIn this episode of the Thoughts and Money Podcast (TOM), host Trevor Cummings sits with Brett Bonecutter, author of the Thoughts and Money blog, to discuss practical mortgage insights. Brett shares five essential 'mortgage hacks' for navigating home loans and refinancing. The hacks include choosing the right lender, understanding rate quotes, and being cautious of flashy promotions. Brett emphasizes the importance of using a knowledgeable broker,

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47:08

Small-Cap Stocks are on a Tear!

Thoughts On Money [TOM] ·

2026/01/23

This week's blogpost - In this episode of the Thoughts and Money Podcast, hosted by Trevor Cummings, financial experts Blaine Carver and Brett Bonecutter delve into the recent performance of small cap stocks, specifically highlighting a 14-day streak of outperformance compared to large cap stocks. They discuss the difference between small cap and large cap stocks, the impact of interest rates on small companies, and the historical performance of small caps. Using analogies and practical examples,

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40:12

Making Financial Decisions

Thoughts On Money [TOM] ·

2026/01/16

This week's blogpost - https://bahnsen.co/49AK0NHIn this episode of the Thoughts On Money Podcast, host Trevor Cummings, along with guests Blaine Carver and Brett Bonecutter, delve into the intricacies of making financial decisions. They explore the importance of challenging assumptions, understanding biases, and considering second-order effects when making seemingly simple financial choices, such as funding a 401k plan. The episode emphasizes the benefits of consulting financial advisors to

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47:01

Book Review: “The Fourth Turning, An American Prophecy”

Thoughts On Money [TOM] ·

2026/01/09

This week's blogpost - https://bahnsen.co/4szAiUrDecoding 'The Fourth Turning': Understanding Generational Cycles and Their Impact on Investment Philosophy In this episode of the 'Thoughts on Money' Podcast, hosted by Trevor Cummings and featuring guest Brett Bonecutter, the duo delves into the book 'The Fourth Turning: An American Prophecy' by William Strauss and Neil Howe. They explore its generational theories and cyclical view of history, which posits that every 80-100 years, society undergoes

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41:42

You Need to Be Bored

Thoughts On Money [TOM] ·

2025/12/19

This week's blogpost - https://bahnsen.co/48ZUDcGThe Importance of Embracing Boredom In this episode of the Thoughts and Money Podcast, host Trevor Cummings and guest Blaine Carver discuss the insights from Blaine's recent blog article titled 'You Need to Be Bored.' They explore how constant stimulation from technology can detract from addressing meaningful, big-picture financial questions, and how creating moments of boredom can lead to better financial decisions. The conversation also covers the

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30:49

Looking for Wisdom in a World of Artificial Intelligence

Thoughts On Money [TOM] ·

2025/12/12

This week's blogpost - https://bahnsen.co/3XPJNkoFinding Wisdom in the Age of Artificial Intelligence: Navigating Investing, Emotions, and Technology In this episode of the Thoughts and Money Podcast, host Trevor Cummings and co-host Blaine Carver delve into the implications of artificial intelligence on the stock market and broader economy. Cummings, who authored a blog post titled 'Looking for Wisdom in a World of Artificial Intelligence,' discusses the importance of emotional intelligence (EQ)

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36:16

An Overview on Credit Scores

Thoughts On Money [TOM] ·

2025/12/05

This week's blogpost - https://bahnsen.co/48y6UVzUnderstanding Credit Scores: A Personal Journey and Practical Advice In this episode of the Thoughts on Money Podcast, host Trevor Cummings and guest Blaine Carver explore the intricacies of credit scores. Trevor shares a personal story about discovering the complexities of credit scores when purchasing a second home. The discussion covers the surprising statistic that the average age of first-time home buyers is now 40, up from 28 in 1991. The

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36:44

Kyle Busch v. Pacific Life

Thoughts On Money [TOM] ·

2025/11/21

This week's blogpost - https://bahnsen.co/4og2etfUnderstanding the Kyle Busch vs. Pacific Life Insurance Controversy In this episode of the Thoughts On Money Podcast (Tom), host Blaine Carver, joined by Sarah Leitzke, The Bahnsen Group’s Director of Risk, discusses Kyle Busch's lawsuit against Pacific Life. The conversation covers the roles and importance of life insurance, how it can be both beneficial and detrimental, and the complexities involved in different types of life insurance policies

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37:53

Long-Term Care...Get It, or Forget It?

Thoughts On Money [TOM] ·

2025/11/14

This week's blogpost - https://bahnsen.co/47EvNQcNavigating Long-Term Care: Get It or Forget It? In this episode of the Thoughts and Money Podcast, hosts Trevor Cummings and Blaine Carver dive into the complexities of long-term care insurance. They discuss the increasing relevance of long-term care conversations among younger clients, especially those in their late forties and fifties. They explore the financial and emotional considerations of securing long-term care insurance, the impact of

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42:01

Purpose Driven Planning – End of Year Conversations

Thoughts On Money [TOM] ·

2025/10/31

This week's blogpost - https://bahnsen.co/48XhiboMastering Year-End Financial Planning: Contributions, Tax Strategies, and Generosity In this episode of the Thoughts on Money Podcast, hosts Trevor Cummings and Sean Ullrich dive into year-end financial planning strategies. They discuss the importance of being proactive with financial and tax planning as the year closes, including various Roth IRA strategies, tax planning measures, and charitable giving options. Trevor and Sean highlight the

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267 results

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