Working Wealth Podcast

Patrick Rogers CFP®
  • 5.0 (10)
  • Management

Join us, Haley and Patrick Rogers, for genuine conversation on turning dreams into reality and how we help people gain clarity about developing their wealth. We will be unraveling the chapters of our personal journey in business, why we got into the wealth management industry and, why we love helping others. It's personal, raw, and relatable. But this isn't just about us—it's about you.

  1. Sep 15

    The Dumbest Money Mistakes Smart People Make

    Why do intelligent, successful people still make terrible financial decisions? Knowing more about money does not make anyone immune to fear, overconfidence, persuasive marketing, or FOMO. In fact, expertise can sometimes make it easier to justify a bad decision. In this episode of Working Wealth, Patrick and Trevor share some of their own financial mistakes and examine the behavioral biases that cause smart people to make poor money decisions. They discuss: Patrick’s infamous $5,000 T-shirt Getting pulled into expensive programs through effective marketing Why expertise in one area does not transfer to every investment The business owner’s dilemma and the danger of overconcentration How FOMO influences cryptocurrency and investment decisions Why people hold losing investments for too long The risks of selling successful investments too early How emotion can delay important financial decisions Why sophisticated investors still need basic financial habits The value of making decisions based on evidence instead of anxiety Financial success is rarely about finding one brilliant strategy. More often, it comes from maintaining strong fundamentals, recognizing your blind spots, and refusing to let emotion take control of the steering wheel. No matter how much you earn or how financially knowledgeable you become, you never graduate from the basics. Subscribe for candid conversations about investing, retirement planning, financial behavior, and building wealth without losing sight of what it is for. Discussions in this show are for entertainment and educational purposes only and should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important financial decisions.

  2. Sep 1

    5 Financial Decisions That Matter More Than Investment Returns

    Would an extra 2% in investment returns transform your financial future? It might help. But the decisions that have the greatest effect on your wealth often happen long before you choose a mutual fund, stock, or retirement account. In this episode of Working Wealth, Patrick and Trevor discuss the financial and personal choices that can have a greater long-term impact than chasing higher investment returns. They explore: Why your savings rate may matter more than small differences in returns How investing in your skills can increase your earning potential The financial impact of choosing the right spouse or partner Why starting early can be more powerful than investing more later How career decisions influence long-term wealth The connection between physical health and retirement planning Why meaningful work can create greater retirement flexibility How to connect your financial goals to a larger purpose Investment performance matters, especially over long periods of time. But returns are only one piece of the equation. Your income, savings habits, relationships, health, career, and ability to stay consistent may ultimately shape your future far more than whether one investment earns slightly more than another. The better question is not simply, “How can I earn a higher return?” It is, “What am I building this wealth so that I can do?” Subscribe for practical conversations about investing, retirement planning, taxes, and using wealth to create independence and impact. Discussions in this show are for entertainment and educational purposes only and should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important financial decisions.

  3. Aug 18

    Is Inflation Really the Biggest Risk to Your Retirement?

    Inflation is often described as one of the greatest threats to retirement. But does rising inflation affect every retiree in the same way? In this episode of Working Wealth, Patrick and Trevor debate whether inflation is truly the biggest risk to your retirement and explain why the answer depends heavily on your spending, assets, housing costs, and overall financial plan. They discuss: How inflation is measured through the Consumer Price Index Why your personal inflation rate may differ from the headline number Which retirement expenses are most vulnerable to rising prices How paying off a home can change your exposure to inflation Why owning appreciating assets may help offset higher costs The role of stocks, real estate, and productive businesses How lifestyle and spending decisions affect retirement income needs Why a flexible retirement plan matters more than predicting prices Inflation is real, and it should be included in any responsible retirement projection. But it does not affect every household equally, and it does not automatically have to derail your financial future. The goal is not to predict exactly what everything will cost decades from now. It is to build a plan with enough flexibility, growth, and margin to adapt as life changes. Subscribe for more practical conversations about retirement planning, investing, taxes, and building long-term wealth. Discussions in this show are for entertainment and educational purposes only and should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important financial decisions.

  4. Aug 4

    A 50% Government Retirement Match? Here’s the Catch

    A new federal retirement savings program could give eligible Americans a 50% match on their contributions, up to $1,000. But is the so-called “Trump IRA” actually a valuable wealth-building tool, or is it simply repackaging options that already exist? In this episode of Working Wealth, Patrick and Trevor break down the proposed Trump IRA platform and the new Federal Saver’s Match expected to replace the current Saver’s Credit beginning in 2027. They discuss: How the Federal Saver’s Match is expected to work Who may qualify for the government contribution How Trump IRA accounts compare with traditional and Roth IRAs The potential benefits of receiving a 50% retirement match The restrictions, limitations, and unanswered questions Why financial education matters more than creating another account How to decide whether a new financial program actually fits your plan Every financial tool may have a place, but “free money” should never replace thoughtful planning. Before opening a new account, it is important to understand who benefits, what restrictions apply, and how it supports your larger retirement strategy. Subscribe for practical conversations about retirement planning, investing, taxes, and building wealth with greater intention. Discussions in this show are for entertainment and educational purposes only and should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important financial decisions.

  5. Jul 13

    The S&P 500 Isn't as Diversified as You Think

    For many investors, the S&P 500 has become the default answer. Open social media, browse investing forums, or listen to financial influencers, and you'll hear the same message over and over: "Just buy the S&P 500." But is it really that simple? In this episode of the Working Wealth Podcast, Patrick Rogers and Trevor Rasmussen break down what the S&P 500 actually is, why it's become so popular, and whether investing exclusively in the index is truly as diversified as many people believe. They discuss concentration risk, market-cap weighting, large-cap dominance, international diversification, small-cap investing, and the tradeoffs between simplicity and portfolio construction. The goal isn't to criticize the S&P 500. It's to help investors better understand what they own and how different pieces of a portfolio work together. Topics Covered: What is the S&P 500? · Market-cap weighting · Diversification explained · Large-cap stocks · International investing · Small-cap stocks · Portfolio construction · Concentration risk · Index fund investing · Long-term investing · Asset allocation

  6. Jun 29

    The 3 Tax Buckets Every Investor Should Know

    Most people spend a lot of time deciding what to invest in. Very few spend enough time thinking about where those investments should live. In this episode of the Working Wealth Podcast, Patrick Rogers and Trevor Rasmussen break down the three major tax buckets that make up most financial plans: pretax accounts, Roth accounts, and taxable brokerage accounts. They explain how each bucket works, the tradeoffs of each approach, and why understanding tax treatment may be just as important as choosing the right investments. The conversation covers traditional 401(k)s, IRAs, Roth accounts, tax-deferred growth, tax-free growth, Roth conversions, retirement income planning, inheritance considerations, and the role taxable accounts can play in creating flexibility.

  7. Jun 15

    Term Life Beats Whole Life? Let's Talk About It

    Life insurance is one of the most important financial tools available... and one of the most misunderstood. In this episode of the Working Wealth Podcast, Patrick Rogers and Trevor Rasmussen break down the major types of life insurance, including term life, whole life, universal life, indexed universal life (IUL), and variable life insurance. They discuss what life insurance is actually designed to do, why so many families are underinsured, and how different policy structures work in the real world. The conversation also explores the strengths and weaknesses of cash value policies, how life insurance pricing works, what makes someone uninsurable, and why many financial professionals recommend starting with term coverage before considering more complex strategies.

  8. Jun 1

    The Insurance Policies We Think Are a Waste of Money

    Not all insurance is created equal. In Part 2 of our insurance series, Patrick Rogers and Trevor Rasmussen break down some of the most common insurance products consumers are sold and explain why many of them may not make sense for the average person. From credit life insurance and mortgage protection policies to supplemental coverages, the insurance marketplace is filled with products that sound helpful on the surface but may not provide the value many people expect. The goal of this episode isn't to tell you what to buy. It's to help you think critically about risk, coverage, and whether a policy actually solves a problem in your financial life. If you've ever wondered whether you're paying for insurance you don't really need, this episode will help you separate useful protection from expensive add-ons.

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Ratings & Reviews

5
out of 5
10 Ratings

About

Join us, Haley and Patrick Rogers, for genuine conversation on turning dreams into reality and how we help people gain clarity about developing their wealth. We will be unraveling the chapters of our personal journey in business, why we got into the wealth management industry and, why we love helping others. It's personal, raw, and relatable. But this isn't just about us—it's about you.

Information

  • Creator
    Patrick Rogers CFP®
  • Years Active
    2024 - 2026
  • Episodes
    52
  • Rating
    Clean
  • Copyright
    © 2023 Working Wealth Podcast
  • Show Website
    Working Wealth Podcast

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