Cumulus Podcast Network

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Chaîne • 21 émissions

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31 JANV.

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 janv.

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1 h 36 min
13/07/2022

The Pilot

Back to where it all began… Join Tom Welling (Clark) and Michael Rosenbaum (Lex) as they revisit the Smallville Pilot episode more than two decades since it was filmed. The guys talk about their experience during the shooting with kingmaker David Nutter, working with established actors like John Schneider, Annette O’Toole, and John Glover, and sentiment filming and releasing around 9/11. After discussing the difficulty of certain scenes like the underwater car crash, and the epic nature of the meteor shower, Tom and Michael later reflect on certain scenes that are a bit jarring and probably wouldn’t fly nowadays. Learn more about your ad choices. Visit podcastchoices.com/adchoices

13/07/2022

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1 h 3 min
5 FÉVR.

From Vietnam EOD to Delta Force: Mike Vining's Path to Elite Operations | Ep. 277 | Pt. 2

Dive into Part 2 of Episode 277 of the Mike Drop Podcast, hosted by former Navy SEAL Mike Ritland. This gripping conversation features guest Mike Vining, a pioneering Delta Force operator, Vietnam veteran, and EOD (Explosive Ordnance Disposal) expert with over 30 years of military service. Listeners will uncover firsthand accounts of high-stakes operations, from Vietnam War missions and the Khobar Towers bombing investigation to the origins of Delta Force, its rigorous selection process, and the dramatic details of Operation Eagle Claw—the failed 1980 Iran hostage rescue. Packed with historical insights, personal anecdotes, and corrections to common myths, this episode offers an unfiltered look at special operations, counterterrorism, and the evolution of elite U.S. military units. Learn more about your ad choices. Visit podcastchoices.com/adchoices

5 févr.

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1 h 35 min
18/01/2022

Supernatural’s JENSEN ACKLES: Emotional Pride

Back and better than ever! Jensen Ackles (Supernatural) joins us this week to talk about what it’s been like transitioning into the show The Boys and what the future could look like for Supernatural fans. Jensen opens up about the drama surrounding the ending of Supernatural and reminisces on things he may have done differently towards the tail end. We also discuss the strong unbreakable bond he has with Jared Padalecki, his experience with Jessica Alba, and becoming Batman? Learn more about your ad choices. Visit podcastchoices.com/adchoices

18/01/2022

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1 h 20 min
27/07/2022

Hothead

Things are heating up… This week Tom Welling and Michael Rosenbaum revisit Episode 3 of Smallville: Hothead. They talk about their experience working alongside The Wonder Years alumni Dan Lauria, the difficulty of the fire stunts performed in the episode, and some behind the scenes stories of working on the first episode directed by Greg Beeman. While Michael talks about how this episode highlights why people were drawn to Lex trying to fight his destiny of being the ‘bad guy,’ Tom talks about this being the beginning of Clark being in the right place at the right time. Oh yeah, and we talk about some updates to our death/ save count and other notes that Al and Miles shared on the first couple episodes. Learn more about your ad choices. Visit podcastchoices.com/adchoices

27/07/2022

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57 min
BANDE-ANNONCE

Welcome to Talkville!

Beginning on July 13, tag along with Tom Welling (Clark Kent) and Michael Rosenbaum (Lex Luthor) as they revisit the iconic series that changed the way you look at one of America’s favorite superheroes, Smallville! With this weekly dose of nostalgia you will get a behind-the-scenes look at what it was like to film each episode and hear fun facts that only those on set could tell you! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Bande-annonce

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3 min
-3 J

Q&A: I'm Burned Out But Not Quite Ready to Retire

#688: Anonymous: "Anonymous Sheryl" is 38, mortgage-free and exhausted after 15 years of teaching. She’s torn between pushing a few more years toward FIRE or switching to relief teaching now for better work-life balance. How do you trade speed to FIRE for sustainability without blowing up the plan? Anonymous : "Anonymous Ray" hired a bank portfolio manager but isn’t sure how to judge the results after just a few years. With mixed performance, dividend-heavy funds and higher fees, when is it fair to evaluate a manager — and would a simple index ETF outperform? Nathan: Nathan’s 14-year-old just earned his first W-2 income, and Nathan wants to jump-start his son’s investing journey with a Roth IRA. But with household income above the Roth limits, is there a legal way to make this work without sacrificing the child tax credit? Share this episode with a friend, colleagues, your substitute school teacher: https://affordanything.com/episode688 Learn more about your ad choices. Visit podcastchoices.com/adchoices

-3 j

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47 min
21/10/2025

KRISTIN KREUK: Smallville Memories, Facing Rejection & Midlife Reflections

Kristin Kreuk (Smallville, Burden of Truth) opens up in this week’s episode about the surprising turns of her career and the lessons learned along the way. From the sting of being fired from a pilot to the unexpected path that led her to Smallville, Kristin reflects on rejection, resilience, and finding her voice. She also talks about midlife health changes, family history, and what truly matters most to her outside of the industry. Thank you to our sponsors: xxx __________________________________________________ 💖 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

21/10/2025

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1 h 7 min
6 JANV.

ERICA DURANCE: Life After SMALLVILLE, Letting Go of Hustle & Redefining Happiness

Erica Durance (Smallville, Saving Hope) joins us for an open and reflective conversation about life after Smallville and the internal shifts that came with stepping away from constant momentum. She talks about burnout, aging, and learning how to listen to her body instead of pushing through everything. Erica also opens up about redefining success, letting go of hustle culture, and finding peace in slowing down. Thank you to our sponsors: ❤️ 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

6 janv.

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1 h 30 min
22/07/2025

MORENA BACCARIN: Playing Hardball, Jumping Into CBS Spinoffs & Standing Up For Yourself

Morena Baccarin (Deadpool, Greenland) joins us again this week to open up about the complexities of not taking things too personally but also having the backbone to stand up for yourself when someone crossed the line. Morena talks about the perspective she’s gained in motherhood and the difficult decision she made to jump back into network TV with upcoming CBS spinoff Sheriff Country. We also talk about her reflections on story arcs in Deadpool, why she’d be concerned with returning to Firefly, and fighting to get what you deserve. Thank you to our sponsors: 🚀 Rocket Money: https://rocketmoney.com/ (tell them we sent you!) ❤️ 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

22/07/2025

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1 h 4 min

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