Balance Your Wealth

Balance Wealth

Balance Your Wealth brings the entire Balance Wealth team together for lively, unfiltered conversations about life, money, and everything in between. Each episode blends practical financial insights with real-world stories, fresh perspectives, and a few laughs along the way. It’s where candid discussions meet expert advice; helping you find balance in your wealth and your world.

  1. 3d ago

    Special Episode | Are Bonds Still Safe

    Are bonds still safe? What happens when the part of your portfolio designed to provide stability starts going down? And if bonds can lose value, should you consider CDs, Treasury bills, or other fixed income options instead? In this Balance Your Wealth special episode, Ryan is joined by Bob, Tyler, Nic, and Adam to break down what is happening in the bond market and why bond prices can fall when interest rates rise. The team also discusses bond ladders, bond funds, retirement portfolios, and how investors can think about fixed income based on their goals and financial situation. In this episode, you’ll hear discussions on: • Why bond prices generally fall when interest rates rise • Why a declining bond price does not necessarily mean a loss of expected income • How today's bond market compares with the challenges investors faced in 2022 • How CDs and Treasury bills compare with bond portfolios • Why CDs can appear more stable because they are not priced like marketable securities • How bond ladders work and when they may make sense • The differences between individual bonds, bond funds, and professional bond management • How tax-loss harvesting can create planning opportunities in a declining bond market • Why bonds can play an important role in reducing portfolio risk during retirement • How a bucket strategy may help separate near-term retirement spending from longer-term investments • Why today's higher interest rates create a different opportunity set for fixed income investors The team also explains why there is no single answer to whether bonds are "safe." The role of fixed income depends on what an investor needs from the portfolio, including income, stability, liquidity, time horizon, and overall retirement goals. How are you managing fixed income and bonds in your retirement plan? Share your thoughts or questions in the comments below! #BondMarket #FixedIncome #RetirementPlanning #BondInvesting #TreasuryBills #FinancialPlanning #InterestRates #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.

    Special Episode | Are Bonds Still Safe
  2. Sep 23

    Overrated or Underrated: Money, Convenience & Modern Life

    When it comes to money and modern life, what is actually worth your hard-earned dollars? Is spending extra to save time a smart trade-off? Are credit card rewards really worth chasing? And are some of the traditional financial rules and conveniences we rely on more overrated than we think? In this episode of Balance Your Wealth, our team debates what is overrated versus underrated when managing money, convenience, and everyday lifestyle decisions. In this episode, topics discussed include: • Whether spending more money to save time may be worth the trade-off • The value of credit card rewards and cash back • Whether the 4% retirement withdrawal rule is overrated • The pros and cons of meal delivery services • Whether air fryers are actually worth the hype • How to think about maxing out your 401(k) • How convenience can sometimes come at a financial cost • How to balance saving money with enjoying your time and life We also explore why financial decisions aren't always about finding the absolute cheapest option. Sometimes paying for convenience makes complete sense, while other times it quietly becomes an unnecessary drain on your budget. The key is understanding where your money is going and making conscious choices that align with your personal priorities. What do you think is the most overrated or underrated part of modern financial life? Drop your thoughts in the comments below! #PersonalFinance #FinancialPlanning #RetirementPlanning #401k #CreditCardRewards #MoneyTips #WealthManagement #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! Also, don't forget to leave a comment with your mid-year financial goals --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.

    Overrated or Underrated: Money, Convenience & Modern Life
  3. Sep 9

    Is College Still Worth It? The $250K Degree Debate

    Is a college degree still the best investment for your future, or has the rising cost of tuition changed the math? In this episode of Balance Your Wealth, we dive deep into the college worth debate. We compare the traditional $250,000 degree against alternatives like entrepreneurship and college vs trade school to help you master your financial planning. In this episode of Balance Your Wealth, the team explores both sides of the debate, discussing the financial return on investment, career opportunities, networking benefits, entrepreneurship, skilled trades, and how parents can help students make informed decisions about their future. In this episode: • Analyzing the ROI of a $250K degree in today’s economy • The true impact of student debt on long-term wealth building • College vs Trade School: Which path offers faster financial independence? • How AI and career shifts are redefining "marketable" skills • Proactive financial planning tips for parents and students There is no single "right" answer… Each decision depends on individual goals, financial circumstances, and career aspirations. We discuss how to weigh these variables to make informed, long-term decisions. Taking time to evaluate all available options can help families make a more informed choice for the future. If you're navigating college planning or other major financial decisions, our team is here to help you build a strategy that aligns with your long-term goals. To learn more or schedule a conversation with the Balance Wealth team, visit: https://balancewealth.com/contact/ #CollegeWorth #StudentDebt #CollegeVsTradeSchool #FinancialPlanning #WealthBuilding #HigherEducation #CareerAdvice #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! Also, don't forget to leave a comment with your mid-year financial goals --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.

    Is College Still Worth It? The $250K Degree Debate
  4. Aug 26

    The Money Fights Every Couple Has But No One Talks About

    Money fights in relationships are rarely just about the bank account. In this episode of Balance Your Wealth, Ryan Mannen is joined by Bob Gavlak, Nora Lamendola, Adam Fitch, and Nic Gookin to talk about the financial disagreements many couples face but often avoid discussing. From hidden spending and Amazon boxes piling up, to supporting adult children, budgeting as a couple, and making sure your spouse knows where important financial information lives, this conversation is all about creating better communication around money. The team shares practical ways couples can consider to help reduce financial stress, including budgeting together, setting "fun money" boundaries, using account aggregation tools, scheduling money check-ins, and organizing key financial documents before they are ever needed. In this episode: • Why money fights are often about communication, not just the bank account • How hidden spending and “money leaks” can create tension in relationships • Why Amazon purchases can make budgeting more complicated than couples realize • Different ways couples can manage spending, including separate fun money accounts • How to talk about supporting adult children without hurting your own retirement plan • Why saving early for college, weddings, or future family expenses can create more flexibility • Simple tools couples can use to organize accounts, track spending, and see the full financial picture • The importance of scheduling regular money conversations before small issues become big fights • Why every household should have a financial folder with key accounts, policies, and contacts • How dividing financial responsibilities can help couples stay organized and on the same page Whether you and your spouse handle money the same way or see things completely differently, this episode will help you start healthier conversations around your financial life. To learn more or schedule a conversation with the Balance Wealth team, visit: https://balancewealth.com/contact/ #CouplesAndMoney #FinancialPlanning #MarriageAndMoney  #Budgeting #BalanceYourWealth #RetirementPlanning #PersonalFinance — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! Also, don't forget to leave a comment with your mid-year financial goals --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.

    The Money Fights Every Couple Has But No One Talks About
  5. Aug 11

    Financial FAQs: Retirement, Debt, Roth vs. Traditional & Market Dips Pt. 2

    When should you start taking Social Security? Do you really need a financial advisor? How should you invest your 401(k)? And what should you do if you receive an inheritance or financial windfall? In part two of this Balance Your Wealth FAQ episode, Ryan is joined by Shaun, Bob, Tyler, Nic, and Adam to answer more of the financial planning questions they hear most often. The team discusses why Social Security should not be viewed in isolation, how to think about the value of financial advice, common 401(k) investing mistakes, what to consider after receiving an inheritance, and how to know whether you are saving enough for your goals. In this episode, you’ll hear discussions on: • When it may make sense to take or delay Social Security• Why Social Security decisions should be part of a bigger plan• Whether you need a financial advisor or can manage things yourself• How an advisor can help with planning, behavior, tax strategy, and decision-making• Common 401(k) investing mistakes to avoid• What to do after receiving an inheritance or windfall• How to know if you are saving enough• Why comparison can create poor financial decisions• How to balance saving for the future with enjoying life today They also explain why personal finance decisions are rarely one-size-fits-all. The right answer often depends on your age, income, tax situation, family needs, risk tolerance, retirement goals, and overall financial plan. Which question do you think is the hardest to answer? (1) When should I take Social Security? (2) Do I need a financial advisor? (3) How should I invest my 401(k)? (4) What should I do with an inheritance? (5) Am I saving enough? Drop your answer below. #FinancialPlanning #RetirementPlanning #SocialSecurity #401k #WealthManagement #InheritancePlanning #SavingMoney #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! Also, don't forget to leave a comment with your mid-year financial goals --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.

    Financial FAQs: Retirement, Debt, Roth vs. Traditional & Market Dips Pt. 2
  6. Jul 22

    Financial FAQs: Retirement, Debt, Roth vs. Traditional & Market Dips Pt. 1

    How much money do you really need to retire? Should you pay off debt before investing? What is the difference between a Roth and traditional retirement account? And what should you do when the market is down? In this episode of Balance Your Wealth, Ryan is joined by Shaun, Bob, Tyler, Adam, and Nic for part one of a two-part conversation answering some of the most common financial planning questions they hear from clients. In this episode, you’ll hear discussions on: How to think about your retirement numberWhen it may make sense to pay down debt versus investThe difference between Roth and traditional retirement accountsWhy staying invested during market downturns can matterPlanning opportunities during market volatilityHow much to keep in an emergency fundWhy financial planning should be based on your specific situation The team breaks down why so many financial decisions depend on your income, expenses, goals, risk tolerance, tax situation, and stage of life. They also discuss the behavioral side of money, including how debt feels, why market downturns can create emotional pressure, and why having an emergency fund is one of the most important foundations of a financial plan. Which financial planning question do you think people struggle with the most? #FinancialPlanning #RetirementPlanning #RothIRA #Investing #EmergencyFund #DebtPayoff #WealthManagement #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.

    Financial FAQs: Retirement, Debt, Roth vs. Traditional & Market Dips Pt. 1
  7. Jul 8

    Insurance: What You Actually Need (and What You Don’t)

    Insurance is one of the most misunderstood parts of a financial plan. How much coverage do you actually need? Should you buy term life or whole life? Is disability insurance worth the cost? What about long-term care insurance, health insurance before Medicare, and planning for unexpected expenses? In this episode of Balance Your Wealth, Ryan Mannen is joined by Tyler Purcell, Nora Lamendola, Adam Fitch, Bob Gavlak, and Shaun Carney to break down the role insurance plays in a comprehensive financial plan. The team discusses how insurance can help protect your income, your family, your retirement plan, and your long-term financial flexibility. They also explain why the right coverage depends on your stage of life, family situation, income, health history, and overall financial goals. In This Episode ● Term vs. Whole Life Insurance : Why term life insurance is often the right fit for many families, and when permanent life insurance may have a role in more complex planning. ● Employer Coverage Isn’t Always Enough : Why group life and disability coverage through work may leave gaps, especially for high earners or families relying on one income. ● Disability Insurance and Income Protection : How disability insurance can help protect your income if an illness or injury prevents you from working. ● Long-Term Care Planning : Why long-term care is becoming a bigger planning conversation as people live longer and care costs continue to rise. ● Health Insurance Before Medicare : How retiring before age 65 can create a major health insurance gap, and why planning for that cost matters. ● How Much Life Insurance Do You Need? A practical way to think about coverage, including debts, income replacement, children’s education, and the value of a stay-at-home spouse. Insurance is not about buying every policy available. It is about identifying the risks that could seriously disrupt your financial plan and making thoughtful decisions about which risks to protect against. The right insurance strategy should fit into your overall financial plan, not sit outside of it. #InsurancePlanning #FinancialPlanning #RetirementPlanning #LifeInsurance #DisabilityInsurance #LongTermCare #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! Also, don't forget to leave a comment with your mid-year financial goals --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.

    Insurance: What You Actually Need (and What You Don’t)
  8. Jun 24

    Overrated or Underrated? Planning Tools, Hot Takes, and Guilty Pleasures

    Most people treat financial decisions like they’re binary: good or bad, yes or no. But the truth is, almost everything in personal finance lives in the gray area. What works brilliantly for one person can be a terrible move for someone else. In this episode, the team breaks down common financial topics (and a few lifestyle ones) through a more honest lens: overrated vs. underrated. In this video, you’ll learn: Why “showing up prepared” isn’t always the advantage you think it isThe real financial trade-offs behind luxury purchases like boats and timesharesWhen Health Savings Accounts (HSAs) are incredibly powerful, and when they fall shortWhy flexibility is the biggest hidden cost of 529 college savings plansThe truth about long-term care insurance (and why most people misunderstand the risk)How to evaluate whether a financial advisor is actually worth it, or just a titleWhy interest in tools like AI (including ChatGPT) is rising, and where they fall short in real decision-making This conversation forces a reality check: most people aren’t making bad financial decisions… they’re making context-free ones. The better question isn’t “Is this good or bad?” It’s “Does this actually fit my situation, timeline, and priorities?” If you want to stop defaulting to generic advice and start making decisions that actually align with your life, this is the kind of thinking you need to adopt. #BalanceYourWealth #FinancialPlanning #MoneyDecisions #WealthStrategy — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! Also, don't forget to leave a comment with your mid-year financial goals --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.

    Overrated or Underrated? Planning Tools, Hot Takes, and Guilty Pleasures

About

Balance Your Wealth brings the entire Balance Wealth team together for lively, unfiltered conversations about life, money, and everything in between. Each episode blends practical financial insights with real-world stories, fresh perspectives, and a few laughs along the way. It’s where candid discussions meet expert advice; helping you find balance in your wealth and your world.