Cumulus Podcast Network

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Kanal • 21 Sendungen

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31. JAN.

10 Rules for Building a Portfolio That Actually Works for Your Life, with Cullen Roche

#685: You're not an investor. You're a saver. That's the first of 10 principles Cullen Roche shares in this conversation about building what he calls "the perfect portfolio." Roche, the founder and chief investment officer of Discipline Funds, argues that when you buy stocks on the secondary market, you're not actually funding companies or making investments in the traditional economic sense. You're just swapping your cash for someone else's stock position – reallocating your savings. This reframe matters because it changes your entire approach. Instead of trying to beat the market, you focus on the boring, prudent work of allocating your savings across different time horizons. We walk through all ten of Roche's principles. He explains why you are your portfolio's worst enemy – not just because fear makes you panic-sell during crashes, but because FOMO during bull markets leads you to chase performance at exactly the wrong time. He breaks down why diversification is the only free lunch in investing, why costs matter more than you think, and why real returns are the only ones that count after you strip out inflation, taxes, and fees. Roche introduces some concrete strategies most people have never heard of. The 351 exchange lets you swap concentrated stock positions into diversified ETFs without triggering immediate capital gains taxes. The "defined duration" approach matches specific pools of money to specific future expenses—like pairing a six-month treasury bill with next year's bathroom remodel. He also tackles the hardest allocation question: what to do with money earmarked for three to ten years from now. That awkward middle timeframe sits between "keep it in cash" and "put it in stocks," and Roche explains why traditional approaches like sixty-forty portfolios don't always work. The conversation covers everything from why long-term bonds make terrible matches for long-term goals to why thinking in time horizons beats thinking in investment styles. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths.  (00:00) Principle 1: you're a saver, not an investor (04:48) Real wealth comes from direct business ownership (06:43) Principle 2: you are your portfolio's worst enemy (09:58) FOMO during bull markets vs fear during crashes (12:43) Principle 3: beating the market is hard (15:18) The 5 percent "fun money" allocation debate (16:18) What to do when your position explodes (17:18) The 351 exchange tax strategy explained (20:28) Should you rebalance concentrated stock positions (22:18) Principle 4: diversification is the only free lunch (31:03) Gold and stock market both high simultaneously (35:43) When diversification becomes diworsification (40:03) Principle 5: the cost matters hypothesis (44:23) HSAs, 401ks and unavoidable fee structures (47:03) Why ETFs beat mutual funds on taxes (51:03) Principle 6: real, real returns matter most (1:00:58) Principle 7: risk is uncertainty of lifetime consumption (1:06:18) Longevity risk and unpredictable healthcare costs (1:13:03) Principle 8: asset allocation as temporal conundrum (1:24:43) The 3-10 year allocation problem explained (1:28:03) Principle 9: past performance doesn't predict future (1:31:18) Principle 10: set realistic expectations, stay the course Resources: Cullin's website and newsletter: https://disciplinefunds.com Grab the FREE handbook: https://affordanything.com/financialgoals Share this episode: https://affordanything.com/episode685 Learn more about your ad choices. Visit podcastchoices.com/adchoices

31. Jan.

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1 Std. 36 Min.
VOR 2 TAGEN

JAMEELA JAMIL: Good Place Breakthrough, Body Image Battles & Calling Out the Industry

Jameela Jamil (The Good Place, Elio) joins us this week for a wildly honest conversation about chronic illness, passive self destruction and why she is done biohacking her life. Jameela opens up about living with Ehlers Danlos syndrome, surviving childhood abuse, the nervous breakdown that turned her into a truth teller and how EMDR therapy completely rewired her relationship to trauma and fear. We also get into her war on beauty and the unbelievable way a school bully pushed her straight into The Good Place. Thank you to our sponsors: 🍽️ Hello Fresh: https://hellofresh.com/insideofyou10fm ❤️ This episode is sponsored by BetterHelp. Give online therapy a try at https://betterhelp.com/inside and get on your way to being your best self __________________________________________________ 💖 Patreon: ⁠⁠https://www.patreon.com/insideofyou⁠⁠ 👕 Inside Of You Merch: ⁠⁠https://store.insideofyoupodcast.com/⁠⁠ __________________________________________________ Watch or listen to more episodes! 📺 ⁠⁠https://www.insideofyoupodcast.com/show⁠⁠ __________________________________________________ Follow us online! 📸 Instagram: ⁠⁠https://instagram.com/insideofyoupodcast/⁠⁠ 🤣 TikTok: ⁠⁠https://www.tiktok.com/@insideofyou_podcast⁠⁠ 📘 Facebook: ⁠⁠https://www.facebook.com/insideofyoupodcast/⁠⁠ 🐦 Twitter: ⁠⁠https://twitter.com/insideofyoupod⁠⁠ 🌐 Website: ⁠⁠https://www.insideofyoupodcast.com/⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

vor 2 Tagen

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1 Std. 24 Min.
27. JAN.

Why You Should “T-Bill and Chill” Instead of Using a Savings Account, with Cullen Roche

#684: Most people search for the perfect portfolio — the one allocation that works in every market, at every age, for every goal. This interview starts by explaining why that portfolio does not exist. We talk with Cullen Roche, founder and chief investment officer of Discipline Funds, about why copying someone else’s portfolio can backfire, and why portfolio design works better when it starts with your own constraints instead of rules of thumb. We walk through real portfolio models. The conversation begins with the classic 60-40 portfolio. You hear where it came from, how it held up during the Great Depression, and why it became so widely adopted. We also talk about its trade-offs — why it feels boring in strong markets and comforting in crashes, and how that emotional balance plays a role in investor behavior. Next, we shift to a Buffett-style portfolio. You hear why the takeaway is less about stock picking and more about structure. The discussion covers why Buffett keeps a small allocation to cash-like assets, how that “dry powder” functions during downturns, and why psychological stability matters as much as returns. The episode then turns to cash management. We talk about high-yield savings accounts, money market funds and Treasury bills. You hear how many cash products are built on T-bills, how banks capture part of the yield, and when managing cash directly may make sense. The concept of “T-bill and chill” comes up — along with when the extra effort may or may not be worth it. Finally, the conversation zooms out to time horizons. We discuss why income from a job functions like a bond allocation, how that changes risk capacity when you are younger, and why the early years of retirement carry the most danger. The episode closes by explaining sequence-of-returns risk and why portfolios need to work not just on paper, but in moments of fear. Resource: Cullin's website and newsletter: https://disciplinefunds.com Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Intro (02:00) No perfect portfolio (03:34) 60-40 portfolio starts (06:38) 60-40 keeps calm (08:00) Buffett portfolio basics (12:11) Stocks vs cash fear (13:34) T-Bill and Chill (18:22) TreasuryDirect is clunky (23:42) Income as bond proxy (25:33) Bond tent buffer (29:12) Sequence risk explained (31:42) Early retirement mindset (32:36) COVID panic calls (42:49) Three-fund portfolio basics (58:41) Get-rich-quick trap (1:18:21) Risk parity and All-Weather Share this episode with a friend, colleagues, your preferred financial advisor: https://affordanything.com/episode684 Learn more about your ad choices. Visit podcastchoices.com/adchoices

27. Jan.

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1 Std. 24 Min.
VOR 3 TAGEN

Are You Investing or Just Placing Bets? SB1801

Joe Saul-Sehy, OG, and Neighbor Doug pull up a rickety basement chair and unpack a growing trend: people treating investing like a series of high stakes bets instead of a long term plan. Sparked by a recent Wall Street Journal piece on aggressive investing, the gang digs into where the line is between smart risk taking and straight up gambling with your future. Using plenty of real world examples and a few basement metaphors, the crew breaks down how stocks, businesses, options, and even so-called innovative products can fall into very different categories depending on why you're using them. The key theme? Good investing isn't about being bold. It's about understanding probabilities, controlling what you can, and stacking the odds in your favor over time. Along the way, the team also tackles listener questions, including some strong feelings about Costco (because of course), and shines a flashlight into the dark corners of complex products like Indexed Universal Life insurance, explaining why "sounds sophisticated" doesn't always mean "fits your plan." If markets feel noisy, confusing, or a little unhinged right now, this episode is your reminder that boring, disciplined strategies still win, and that you don't need to bet the farm to build one. What You'll Learn: • Why so many investors are confusing betting with investing right now • How to tell the difference between calculated risk and speculation • Why understanding probability matters more than chasing big wins • Where options, businesses, and alternative investments can fit and where they often don't • The hidden risks behind complex products like Indexed Universal Life (IUL) policies • Why compounding beats hype even when headlines say otherwise • How small, consistent decisions quietly outperform flashy moves • Yes, what Costco has to do with smart money choices This Episode Is For You If: • Markets feel confusing and you're not sure if you're investing or just guessing • You've been tempted by strategies that sound sophisticated but feel risky • You want to understand the line between smart risk and gambling • You're tired of flashy investment advice and want clarity on what actually works • You need reassurance that boring, disciplined strategies still win Question for You: What's the riskiest financial move you've ever considered, and what stopped you (or didn't)? Share your answer in the Spotify comments or the Stacking Benjamins Facebook group. Bonus points if hindsight made you laugh or wince. Learn more about your ad choices. Visit podcastchoices.com/adchoices

vor 3 Tagen

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57 Min.
07.09.2022

Rogue

Tom Welling and Michael Rosenbaum revisit Episode 9 of Smallville: Rogue! The guys discuss the first break from the ‘Freak of the Week’ concept and get some insights from Al and how this was a defining test that would go on to shape the series. Tom breaks down the two major stunts where Clark stops a bus and dodges a bullet, sharing which one caused him to fall asleep while waiting to shoot. Michael shares fond memories working alongside Kelly Brook on and off set and teases a few upcoming guests in the works. Fun episode with some great scenes with Jonathan, Chloe, and the one and only… Principal Kwan. ❤️ Subscribe and share to support the new pod!⁣ ☎️ Hotline: (213) 538-2883 Learn more about your ad choices. Visit podcastchoices.com/adchoices

07.09.2022

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1 Std. 1 Min.
24.08.2022

Craving

Finally… we’ve arrived at the Amy Adams one! This week Tom Welling and Michael Rosenbaum revisit Episode #7: Craving. The guys give huge props to Amy’s commitment in her performance, talk about what it was like working with her on set, and also discuss the delicate nature of shooting an episode that highlights eating disorders through the high school experience. We get into the mysterious nursery explosion scene, Clark awkwardly piecing everything together, and the origins of Lex’s evil ulterior motives. ❤️ Subscribe and share to support the new pod!⁣ ☎️ Hotline: (213) 538-2883 Learn more about your ad choices. Visit podcastchoices.com/adchoices

24.08.2022

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1 Std. 1 Min.
25.11.2025

Inside Top Gun: The ELITE Training That Pushes Pilots Past Limits | Ep. 267 | Pt. 1

Join host Mike Ritland for an unforgettable conversation with Dave Berke – the only Marine in history to fly the F-16, F-18, F-22, and F-35, a legendary TOPGUN instructor, former Forward Air Controller attached to Jocko Willink’s Task Unit Bruiser in Ramadi 2006, and co-author of the Extreme Ownership series. From the cockpit of the world’s most advanced fighters to the blood-soaked streets of Ramadi alongside SEALs, Dave pulls zero punches on what real high-performance leadership looks like when lives are on the line. In this nearly 4-hour deep dive, Dave reveals the brutal debrief culture at TOPGUN that turned good pilots into lethal ones, why the peacetime military he first joined in 2001 was nowhere near ready for war, how 9/11 instantly transformed training forever, and the life-changing moment he left the world’s premier fighter-weapons school to volunteer for ground combat in the deadliest city in Iraq. He also shares his unfiltered take on AI ending the era of the single-seat fighter pilot within our lifetime and the raw lessons that still keep him up at night from Ramadi. Whether you’re obsessed with fighter aviation, extreme ownership, or what it really takes to lead when failure isn’t an option, this is one of the most powerful veteran-to-veteran conversations you’ll ever hear. Learn more about your ad choices. Visit podcastchoices.com/adchoices

25.11.2025

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1 Std. 27 Min.
17.08.2022

Hourglass

This week Tom Welling and Michael Rosenbaum revisit Hourglass, an episode full of crazy foreshadowing, scary good guest appearances, and deadly dangerous stunts. Tom fondly remembers acting against the blind Cassandra and learning how to act for the camera in fight sequences. Michael questions Kryptonite bodies of water and talks about the iconic doomsday blood raining down scene. Lots of good behind the scenes (non episode related) stuff this week too! ❤️ Subscribe and share to support the new pod!⁣ ☎️ Hotline: (213) 538-2883 Learn more about your ad choices. Visit podcastchoices.com/adchoices

17.08.2022

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58 Min.
03.08.2022

X-Ray

Tom Welling and Michael Rosenbaum revisit Episode 4 of Smallville: X-Ray and discuss the issue in acting through Clark’s super power scenes, working with guest star and ‘freak of the week’ actor Lizzy Caplan, and issues onset with a particular prop that went wrong. Tom shares what helped him convey his X-Ray power while acting and which scene he remembers Michael and he breaking in. Michael shares insights into the Lex blackmail subplot and tries to get past a scene with a particularly odd reaction from Sam Jones. Learn more about your ad choices. Visit podcastchoices.com/adchoices

03.08.2022

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1 Std.
10.08.2022

Cool with Kristin Kreuk

After we pull the curtain back and deep dive all the ‘Freezer Boy’ scenes, teenage horror tropes, and purple sweaters inside Episode 5: Cool, we’re joined by future returning guest, Lana Lang herself, Kristin Kreuk. Kristin remembers her time on the show, how Tom couldn’t remember his lines in one particular scene in Cool, and dealing with her stalker in the early seasons. Good times in this episode as we explore some of the Cool special effects and crack a new low on our rating system.⁣ ⁣ ❤️ Subscribe and share to support the new pod!⁣ ☎️ Hotline: (213) 538-2883 Learn more about your ad choices. Visit podcastchoices.com/adchoices

10.08.2022

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51 Min.

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