The Rhythm of Money

Indigo Dutton
  • 5.0 (2)
  • Self-Improvement

The Rhythm of Money is a podcast for women who want to be clear and capable with money. It's for those ready to build the type of wealth that follows a personal vision of steady success. Hosted by a retired investment advisor and former business consultant, this show starts where most money conversations skip past: the nervous system, old beliefs, avoidance, quiet shame, and the emotional patterns that have been shaping financial choices long before any spreadsheet entered the picture. Money isn't only math. It's also rhythm, safety, attention, timing, and trust. From the first episode, The Rhythm of Money offers a steady place to begin again, with practical insight, emotional honesty, and a compassionate yet effective way to build financial thriving over time. The podcast is built as a progression, with each episode building on the last, so be sure to subscribe, and we'll build this together. The Rhythm of Money. Living Your True Note.

  1. Oct 7

    Is Your Financial Plan Working Against Itself? - S2E13 (Series Finale)

    Is your financial plan working as a whole, or are different parts of it quietly working against each other? In this series finale of The Rhythm of Money, former investment advisor and business consultant Indigo Dutton brings together the financial foundation built across Seasons 1 and 2. Future seasons will build on this material, but this episode is where the pieces finally come together into one cohesive picture. You’ll look across the different parts of your financial life rather than evaluating them one at a time: cash reserves, debt, investments, retirement plans, insurance, estate planning, and the life you’re ultimately asking your money to support. The real value comes from noticing what only becomes visible when those pieces sit beside each other. An investment strategy may no longer match your retirement timeline. Your assets may have grown while your liability protection hasn’t. An estate plan may say one thing while an old beneficiary designation says another. Or an entire area may simply have been neglected. You’ll learn how to identify what’s missing, spot where parts of your plan have gotten out of sync or never really worked together in the first place, decide what deserves your attention next, and just as importantly, recognize what is already working well enough to leave alone. This episode completes the foundational Rhythm of Money series and builds the financial ground future episodes will return to whenever changing markets, economic events, or financial news raise the question: Does this actually change anything for me? Subscribe to be notified when new episodes become available at https://TheRhythmofMoney.com  No financial advice is offered or implied. For guidance specific to your situation, consult a licensed financial professional.

    Is Your Financial Plan Working Against Itself? - S2E13 (Series Finale)

  2. Sep 30

    Should You Do Anything When the Market Drops? - S2E12

    When the market drops sharply, doing nothing can suddenly feel irresponsible. When it rises quickly, waiting can feel like you're missing your chance. But does the market movement actually require a financial decision, or is fear or excitement creating the urge to make one? In this episode of The Rhythm of Money, we draw on years of experience as an investment advisor to explore what happens when market volatility reaches your investment account and your nervous system at the same time. You'll learn how to distinguish activation from useful financial information, why some of the market's strongest days make market timing so difficult, when a changing market really might call for action, and how to return to the investment plan you made before the headlines took hold of you. We also look at fear, greed, rebalancing, tax-loss harvesting, and the role financial news should play in your decisions. The Rhythm of Money: Living Your True Note is a podcast about creating a healthier relationship with money while building the practical financial knowledge to make sound decisions with it. No financial advice is offered or implied. For guidance specific to your situation, consult a licensed financial professional.

    Should You Do Anything When the Market Drops? - S2E12

  3. Sep 23

    How Do You Know If You Have Enough to Retire? - S2E11

    How do you know whether you have enough money for retirement if you haven’t decided what you actually want retirement to look like? Retirement planning usually starts with a number. But before you can know whether that number is enough, you need some idea of the life it’s supposed to support. In this episode, we start there. I also share what I learned from retiring twice. The first time, at 51, I was financially able to retire, but I hadn’t yet created a clear vision for what I was retiring into. Years later, I returned to work and began an entirely new career. The second time I retired, the experience was very different because I had already begun building a life that felt meaningful and fulfilling without work at the center of it. From there, we connect that vision back to the financial decisions that are needed to support it, including how much your retirement may actually cost and when to claim Social Security. We’ll look at: • Why a retirement target means more when you know what the money is meant to fund • What changes when you claim Social Security at 62, 67, or 70 • Why receiving and investing Social Security earlier can sometimes compete financially with waiting for a larger benefit • How longevity, guaranteed income, and your other assets affect the decision • How your highest 35 years of earnings influence your Social Security benefit • Why retirement planning is ultimately about creating a life, not simply accumulating enough money to stop working The goal isn’t to find one retirement rule that works for everyone. It’s to understand what your money needs to accomplish for the life you actually want to live. The Rhythm of Money explores the relationship between money, the nervous system, financial behavior, and the practical decisions that shape our lives. The Rhythm of Money: Living Your True Note Learn more at therhythmofmoney.com No financial advice is offered or implied. For guidance specific to your situation, consult a licensed financial professional.

    How Do You Know If You Have Enough to Retire? - S2E11

  4. Sep 16

    What Actually Happens to Your Money When You Die? - S2E10

    What do you want to happen to your money and property when you die or get seriously ill or injured, and do your current documents actually make that happen? This episode explains the basic pieces of estate planning, including what a will does, what can bypass your will entirely, when a trust may be useful, and why simply creating a trust is not enough if the assets were never actually moved into it. You’ll also learn why beneficiary designations matter so much, how brokerage and retirement accounts can work differently, and why planning for incapacity is just as important as planning for death. The goal isn’t to turn you into an estate-planning expert. It’s to help you understand whether your will, trust, beneficiaries, and account ownership are all telling the same story. Share the episode if you find it useful and be sure to follow to continue building your healthiest rhythm with money. https://therhythmofmoney.com Living your true note. No financial advice is offered or implied. For guidance specific to your situation, consult a licensed financial professional.

    What Actually Happens to Your Money When You Die? - S2E10

  5. Sep 9

    What Risks Should You Actually Insure? Protecting What You’ve Built - S2E9

    Insurance isn’t meant to protect you from every possible loss. It’s meant to protect the financial life you’ve built from the losses that could seriously damage it. But how much insurance do you really need? In this episode of The Rhythm of Money, we look at insurance through a simpler question:  What risks could you comfortably absorb yourself, and which ones are large enough and likely enough that you may want an insurance company carrying them instead? We’ll talk about liability, property, medical and disability coverage, life insurance, umbrella insurance, what to self-insure, and how fear or avoidance can influence the decisions we make around protection. The goal isn’t to buy more insurance. It’s to understand what your coverage is actually protecting and whether it still fits your financial life. Next episode: wills, trusts and estate planning, and what happens to everything you’ve built when you’re no longer here. https://therhythmofmoney.com  No financial advice is offered or implied. For guidance specific to your situation, consult a licensed financial professional.

    What Risks Should You Actually Insure? Protecting What You’ve Built - S2E9

  6. Sep 2

    Who Should Decide Your Investment Mix? A Fund or a Financial Advisor? - S2E8

    Have money in an IRA or 401(k), but still aren't sure how much should be in stocks, bonds, or different funds? That's asset allocation, and it's often the point where investing suddenly starts to feel complicated. But you don't necessarily have to build and maintain that investment mix yourself. In this episode of The Rhythm of Money, we look at two ways asset allocation can be done for you: using a target-date fund or working with a financial professional who can build an allocation around your individual situation. You'll learn how target-date funds work, what they do automatically as you get closer to retirement, and where their limitations are. Then we'll look at what you need to know before trusting a financial professional with your investments, including how advisors get paid, what it means to work with a fiduciary, and the questions that can help you understand the recommendations you're being given. The goal isn't to turn you into a portfolio manager. It's to help you understand enough to make informed choices about who or what is managing these decisions for you. CHAPTERS 01:15 What Is Asset Allocation? (Stocks vs. Bonds)  01:55 Target-Date Funds Explained  03:35 Pros and Cons of Target-Date Funds  06:07 Should You Use a Financial Advisor or a Fund?  07:09 How Financial Advisor Fees Work  08:55 Why You Need a Fiduciary Financial Advisor  09:45 Questions to Ask Your Financial Advisor 11:38 Questions Your Financial Advisor should ask you PLACES TO EXPLORE FOR FINANCIAL ADVICE Facet Flat-fee financial planning with CFP® professionals. Betterment Premium Investment management with access to CFP® professionals for eligible Premium clients. Advisor.com A service that matches consumers with fiduciary financial advisors. Datalign Advisory A financial advisor matching service. These are simply places to begin your own research, not a complete list of financial planning options, nor recommendations. The Rhythm of Money (https://TheRhythmofMoney.com) Living Your True Note No financial advice is offered or implied. For guidance specific to your situation, consult a licensed financial professional.

    Who Should Decide Your Investment Mix? A Fund or a Financial Advisor? - S2E8

  7. Aug 26

    What Goes Inside Your IRA or 401(k)? Index Funds, ETFs & Bonds - S2E7

    You can have the right investment accounts and still have no idea what actually belongs inside them. In this episode of The Rhythm of Money, we break down the basic building blocks you're likely to encounter inside a 401(k), IRA, or brokerage account: index funds, mutual funds, ETFs, stocks, bonds, target date funds, and balanced funds. Contents  00:00 What Goes Inside an IRA, taxable account, or 401(k)?  01:37 The Difference between Accounts and Investments  03:52 Actively Managed Funds vs. Index Funds   05:58 Total Market, S&P 500, International & Bond Funds  07:50 ETFs vs. Mutual Funds Explained (holding index funds)  10:50 Risk Tolerance vs. Risk Capacity  14:10 Stocks vs. Bonds and Investment Timeframe  15:00 Your Somatic Response to Investing Choices  15:55 Dollar-Cost Averaging vs. Lump-Sum Investing  You'll learn why broad index funds are often a strong starting point, how ETFs and mutual funds differ, why bonds can play an important role even when their returns are lower, and how your timeframe affects the amount of investment risk you can reasonably take. We'll also look at the difference between investing money regularly from each paycheck and deciding what to do with a lump sum that's already sitting in cash. The goal isn't to turn you into your own portfolio manager. It's to make the investment landscape familiar enough that you can understand the choices in front of you and make better use of the guidance available to you. It's full of information, and it's worth listening to more than once, as well as using the contents timestamps as a reference as needed. Next week, we'll take the next step: how the mix between stocks, bonds, domestic and international investments gets determined, and two ways to get help setting that allocation without having to figure it all out yourself. No financial advice is offered or implied. For guidance specific to your situation, consult a licensed financial professional.

    What Goes Inside Your IRA or 401(k)? Index Funds, ETFs & Bonds - S2E7

  8. Aug 19

    Where Does the Next Dollar Go? 401ks, IRAs, Brokerage & Savings

    You’re saving and investing, but do you know which account should get your next available dollar? This episode orders priorities, exploring 401k matches, IRAs (and how to think about traditional versus Roth without getting stuck), brokerage accounts and your cash reserve. Along the way, we talk about the Roth five year rule, the backdoor Roth option if you're above the income ceiling, and the flush of dread that may show up if it seems you've had it in the wrong order all along. The goal isn’t to overhaul everything at once. It’s to know what comes next. In this episode: 01:53 Why account order matters 02:45 401k employer match 04:10 Traditional IRA vs Roth IRA 07:44 Taxable brokerage accounts 09:40 How much cash to keep 10:25 Creating an investment priority order 11:15 Using the Money Reset for somatic regulation 13:54 One financial action for this week 14:55 What comes next: choosing investments The Rhythm of Money: Living Your True Note Practical financial education for women who want more clarity, confidence, and intention in the way they manage and grow their money. https://TheRhythmofMoney.com No financial advice is offered or implied. For guidance specific to your situation, consult a licensed financial professional.

    Where Does the Next Dollar Go? 401ks, IRAs, Brokerage & Savings
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Ratings & Reviews

5
out of 5
2 Ratings

About

The Rhythm of Money is a podcast for women who want to be clear and capable with money. It's for those ready to build the type of wealth that follows a personal vision of steady success. Hosted by a retired investment advisor and former business consultant, this show starts where most money conversations skip past: the nervous system, old beliefs, avoidance, quiet shame, and the emotional patterns that have been shaping financial choices long before any spreadsheet entered the picture. Money isn't only math. It's also rhythm, safety, attention, timing, and trust. From the first episode, The Rhythm of Money offers a steady place to begin again, with practical insight, emotional honesty, and a compassionate yet effective way to build financial thriving over time. The podcast is built as a progression, with each episode building on the last, so be sure to subscribe, and we'll build this together. The Rhythm of Money. Living Your True Note.

Information

  • Creator
    Indigo Dutton
  • Years Active
    2026
  • Episodes
    25
  • Rating
    Clean
  • Copyright
    © Indigo Dutton
  • Show Website
    The Rhythm of Money