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Your Money & Your Life Podcast

Business & Economics Podcasts

Financial and retirement planning guidance from Certified Financial Planner Donald Cash in Red Bank, NJ. Truly understanding what's happening inside your portfolio is so important to achieving retirement success. The planning process can be difficult if you tackle it alone, so make sure to listen to each episode to get great guidance and make the task much easier.


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Financial and retirement planning guidance from Certified Financial Planner Donald Cash in Red Bank, NJ. Truly understanding what's happening inside your portfolio is so important to achieving retirement success. The planning process can be difficult if you tackle it alone, so make sure to listen to each episode to get great guidance and make the task much easier.






Bank Failures & Your Investment Planning – What’s Happening Now?

The biggest news in the financial world this month has been the failure of major banks like Silicon Valley Bank and Signature Bank. There didn’t seem to be any concerns about their stability even a few weeks ago, but things fell apart quickly. So the obvious question is what happened and how will this impact me? In this episode, Don will provide a breakdown of what went wrong with SVB and how this might impact other banks across the country. Plus, we’ll touch on how this all relates to...


What is ESG Investing? Don’t Get Fooled

This episode will help explain what ESG investing is and how it impacts your retirement planning. Plus, are these investments actually helping the environment and why is the government getting involved? Don Cash will sort out a lot of the facts on this topic so you’ll be more informed. Here’s some of what we discuss in this episode: Get in touch with Don and learn more:


Is Social Security Going Broke? Myths, Truths & Opportunities

What we want to do in this episode is make sense of what exactly is happening with Social Security and which concerns are legit and which ones might be overblown. This isn’t the first time Social Security has had to make adjustments since it was originally introduced in 1935, and we’ll take you through what has changed over the past nearly 90 years. Here’s some of what we discuss in this episode: Additional Resources: Proposed SS changes - The...


Threats, Traps, and Tips for Tax Season

Tax season is officially here for 2023 and while many of us will slowly ease into it, now is the time to start thinking about what you need to accomplish over the next few months. In this episode, Don is going to help you prepare for tax season by explaining the key documents that you’ll want to be on the lookout for, highlighting the financial planning conversations you need to be having with your advisor, and sharing a few tips for finding the right CPA. Here’s some of what we discuss...


Landmines and Opportunities in SECURE Act 2.0

Another round of retirement changes are on the way after President Biden passed SECURE Act 2.0 into law on December 23rd. While we’ve been anticipating this legislation for a while, we didn’t know exactly what we be in the final bill. Retirees and pre-retirees need to spend some time with their advisor to discuss what this legislation means, how it might impact you, and what planning opportunities this could open up. Here’s some of what we discuss in this episode: Get in touch with...


2022 Year in Review

Market volatility became the norm in 2022. In this episode, we will be discussing the ups and downs of the last year, from volatility to celebrity news. Here's some of what we discuss in this episode: Get additional financial information:


Year End Planning (It’s Not Too Late)

We are heading toward Christmas and The New Year at lightning speed. We are only weeks away from 2023. It looks like we came off Black Friday and Cyber Monday with lots of shoppers and over the past week we have had better-than-expected economic data, yet the stock market has dropped. What are we to make of that?? Right now, all of the pundits are trying to read the tea leaves (so to speak) about what is likely to happen at the next Federal Reserve Meeting this week. Oddly enough, it...


The FTX Scandal: The Difference Between Wisdom & Knowledge

Happy Thanksgiving! We wish you all the blessings of the holiday as we spend time with family and friends and gather for the long Holiday weekend. As we rapidly move From Thanksgiving into the Christmas season and New Year’s Day (I can’t believe it’s almost 2023), we want to talk about finishing strong as well as touch on the difference between knowledge and wisdom, the big FTX scandal, and how good thinking affects our planning decisions and helps us avoid disasters. The FTX bankruptcy...


The Elections are Over! Now What?

The elections are over! (At least most of them are) Now what? It seems like, over the past month, we have been bombarded with nasty political ads or commercials by Joe Namath, Jimmy JJ Walker, and Tom Selleck pitching Medicare plans. At least the political ads are over for now (except for Georgia). We just have to put up with the Medicare ads for the next month. In this episode, we discuss the election results and the effects on our planning for the remainder of this year and into 2023....


ABC’s of Medicare

You’ve probably seen the commercials with the legendary quarterback, Joe Namath or Tom Selleck and William Shatner (Captain Kirk). They are selling Medicare Advantage plans letting us know that now, October 15th through December 7th is open enrollment season. So, what is a Medicare Advantage plan and should you get one? On today’s show, we are going to discuss Medicare with expert Ray Martin. This will be our 2nd annual show with Ray. We will be covering the different types of plans,...


Weather the Storm and Don’t Lose Focus

Weather enthusiasts and retirement planning worlds collide… Each Fall we spend a lot of time watching and listening to the news and the Weather Channel getting reports of developing hurricanes and are treated to lots of updated graphics to bring us a refresher on how hurricanes work. So, let’s take the opportunity to see what we can learn about retirement planning from a discussion about hurricanes. In this episode, we will talk about the volatility of the market. Are market dips...


Inflation, Early Retirement, & Proposed Changes to Social Security

In a normal year, just one of these topics would be significant news for us to discuss, but 2022 is filled with headlines that impact retirement planning. On this episode, we’re going to provide an update on inflation and the indicators to be watching, share stats on the early retirement trend, and give you the truth on the latest proposed legislation that impacts Social Security. Here’s some of what you’ll learn on this episode: Additional resources: The “You Earned It, You Keep It...


What the Inflation Reduction Act Means for Planning

Washington recently passed the Inflation Reduction Act, which on the surface appears to be aimed at solving the inflation problem. But there’s much more inside the bill, including a few different items that directly impacts financial planning. We’ll break down this new legislation on the podcast and highlight other laws that might be on the way. Here’s some of what you’ll learn on this episode: Inflation Reduction Act resources...


Lessons Learned: 40th Anniversary of the Historic Bull Run

For economic geeks like ourselves and those old enough to remember, this week will be seen as the anniversary of one of the greatest bull markets in history. It was on August 12, 1982, that the Dow Jones Industrial Average dropped to its low of 777 (lucky number) —almost precisely where the Index had closed in January 1964, more than 18 years earlier! Here’s some of what you’ll learn on this episode: Visit us online:


Summer Heat and Economic Stress

There’s a heat wave spreading across the world right now, along with a lot of economic stress. On today’s episode, we’ll explore some expert opinions on our current bear market. Does Don agree or disagree with them? Listen for these key points: 0:29 – Did you have a good summer trip? 1:25 – Don’s daughter is getting married! 2:42 – What we’re going to analyze today 4:53 – Demand for services are still good 6:50 – Value stocks over growth stocks 11:18 – We can’t time the...


The Risk of Losing Financial Independence

Are we losing our financial independence to inflation, a possible recession, and longevity? On today’s episode, we’ll explore the various risks that can complicate your plan and your finances. Listen for these key points: 0:28 – Happy 4th of July! 3:20 – Fear of running out of money 6:06 – Life expectancy 7:48 – Pushing your plan to 90+ 8:35 – Dying too young, living too long 9:32 – Costs for long term care 10:30 – So, what do we do? 12:38 – Long-term care coverage 13:34 – What...


Should We Be Worried? Inflation, Interest Rates and Bonds

With summer comes rising temperatures and this year, rising inflation! On today’s episode we’re going to discuss the importance of education, managing expectations, and understanding when it comes to navigating a volatile market. Listen for these key points: 0:40 – Are you ready for summer? 2:53 – Is this permanent? 4:56 – Raise rates fast or slow? 6:35 – Fewer people working 8:00 – What are we going to do? 10:59 – Education, expectation, understanding 13:52 – Preparing for...


Solutions to Investor Anxiety

Last week we spoke on the cycle of investor anxiety. How can we break this cycle and enjoy a fruitful financial future without the stress? Listen for these key points: 0:35 – This past Memorial Day 4:40 – Phase 1 7:02 – Phase 2 8:56 – Phase 3 13:19 – Phase 4 & 5 15:52 – How do we break the cycle? 18:12 – Change your news up! 18:45 – Maximize returns, minimize risk 20:50 – Let others be emotional 21:55 – Hire a holistic planner Get additional financial information:...


The Cycle of Investor Anxiety

How do we overcome the cycle of anxiety we face as investors? On today’s episode, Don breaks down the 5 stages of investor anxiety and how we can overcome these obstacles in today’s world. Listen for these key points: 0:55 – It’s hot here! 3:36 – Phases of anxiety 4:49 – A broken process 5:45 – Fear of the future 6:38 – Addicted to technology 10:06 – You can’t predict the future 11:15 – Track record investing 13:22 – Information overload 14:51 – Emotional decisions 18:34 –...


Inflation, Interest Rates, and Investment Volatility - Part 2

It seems like all the talk lately as been inflation, interest rates and investment volatility. Every time you look at the news you see rising inflation numbers, gas prices seem to have actually gone up again and the stock market has been crazy volatile. Add in another interest rate increase by the Federal Reserve and the list of issues gets longer and longer. We didn't have enough time to dig deep into all of these things so, let’s see if we can make some sense of what’s going on and what we...