All Things Investing

All Things Investing
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Welcome to All Things Investing – the podcast that breaks down the money game without the fluff. Whether you're a total beginner or just looking to sharpen your strategy, we bring you simple, actionable tips to grow your wealth, invest smarter, and stay ahead of the financial curve. 🪙 Learn how to build passive income 📈 Master stocks, ETFs, real estate & more 💡 Get weekly tips, market insights, and mindset shifts Real talk. Real strategies. No jargon. Just investing made easy. New episodes every week – hit follow and start stacking your future.

  1. 2d ago

    Tax-Loss Harvesting: A Guide to Tax-Smart Investing

    What if your losing investments could actually save you money? Not in some complicated hedge fund strategy — but in a straightforward, IRS-approved approach that any investor with a brokerage account can use before December 31? That's tax-loss harvesting. And in this episode, we break it down in the clearest, most practical terms possible so you can decide whether it belongs in your investing toolkit this year. Here's the core idea: when an investment in your taxable account has declined in value, you can sell it, realize the loss for tax purposes, and use that loss to offset capital gains you've made elsewhere in your portfolio. Dollar for dollar. No complicated calculations, no accountant required for the basic version. You then reinvest in a similar — but not identical — investment to maintain your market exposure, so you stay on track toward your long-term goals while shrinking your tax bill at the same time. The numbers make it real. An investor with $80,000 in unrealized losses who harvests them against $40,000 in capital gains realized earlier in the year can save between $6,000 and $9,500 in taxes depending on their bracket. And if your losses exceed your gains, the IRS lets you deduct up to $3,000 against your regular salary income — with any remaining losses carrying forward indefinitely to future tax years, never expiring. But there's one critical trap that trips up most beginners: the wash sale rule. Sell an investment at a loss and buy it back within 30 days — before or after the sale — and the IRS disallows the loss entirely. We explain exactly how to avoid it and how to identify replacement securities that keep you invested without triggering it. What we cover: The core mechanic: how losses offset gains dollar for dollar and reduce your tax billThe real-number example: $80,000 in losses saving $6,000-$9,500 in taxesThe $3,000 ordinary income offset and the carryforward rule that never expiresThe wash sale rule: the trap that disallows your loss if you buy back too soonCrypto tax-loss harvesting: the current loophole the IRS is watching closelyThe December 29-30 settlement deadline — why you need to act before year-endThe one action every investor should take before December 31All Things Investing — the podcast that breaks down the money game without the fluff. Send us Fan Mail Support the show Thanks for listening to All Things Investing – where smart money conversations are made simple. 📈 Loved today’s episode? Be sure to follow, rate, and review on your favorite podcast platform. 📩 Got a question or a topic you want covered? Send us a DM or email us at listenlasvegas@gmail.com. 📱 Follow us for daily tips, market updates, and more. 🔔 New episodes drop every week – don’t miss out. Remember: The best investment you can make... is in yourself.

  2. 5d ago

    A Beginner's Guide to Bondora Go & Grow

    What if you could earn a 6% target return on your money, have it credited to your account daily, and withdraw it anytime you need it — all with a minimum investment of just €1? That's the promise of Go & Grow, formerly Bondora Go & Grow, and in this episode we give you the honest, balanced beginner's guide to understanding exactly what it is, how it works, and most importantly — what the risks are that the marketing doesn't always emphasize. Go & Grow is not a savings account. It's not government protected. And as of September 2026, 27.4% of the underlying loan portfolio is in recovery — meaning nearly a third of the loans backing your investment are in various stages of debt collection. That doesn't mean you've lost that money, but it does mean understanding the platform's mechanics matters before you deposit. In plain language, here's what Go & Grow actually does: your money is pooled with other investors and automatically spread across thousands of unsecured consumer loans in Estonia, Finland, Spain, the Netherlands, and Latvia. Bondora — now operating as a standalone brand Go&Grow OÜ following its legal separation from Bondora Group in April 2026 — manages every loan selection, every collection process, and every allocation decision. You do nothing except deposit and watch daily returns accrue. We also cover the brand new Go & Grow Pocket product launched in August 2026: a slightly lower 4.89% target return in exchange for up to €25,000 insurance coverage through Latvian insurer Balcia. One percentage point less return for insurance protection — is that tradeoff worth it for a beginner? What we cover: What Go & Grow actually is — pooled P2P consumer lending explained simplyThe April 2026 spin-off from Bondora Group — what it means for investorsThe honest risk picture: 27.4% of loans in recovery as of September 2026Go & Grow Pocket: 4.89% return with €25,000 insurance — is it worth it?How Go & Grow compares to savings accounts, HYSAs, and other P2P platformsThe ideal Go & Grow investor profile — who should and shouldn't use this productAll Things Investing — the podcast that breaks down the money game without the fluff. Send us Fan Mail Support the show Thanks for listening to All Things Investing – where smart money conversations are made simple. 📈 Loved today’s episode? Be sure to follow, rate, and review on your favorite podcast platform. 📩 Got a question or a topic you want covered? Send us a DM or email us at listenlasvegas@gmail.com. 📱 Follow us for daily tips, market updates, and more. 🔔 New episodes drop every week – don’t miss out. Remember: The best investment you can make... is in yourself.

  3. Sep 7

    The Master Plan for Navigating Sequence of Returns Risk

    Most retirement investors spend decades focused on growing their portfolio — and almost no time thinking about the one risk that could undo everything in the first few years of retirement. It's called sequence of returns risk, and it may be the most important concept in retirement planning that most people have never heard of. Here's the scenario that makes it real. Two retirees both start with $1 million and use a 4% withdrawal rate. One faces a 25% market crash in year one of retirement. The other faces the exact same crash a decade later. The difference in how their portfolios end up is shocking — not because the crash was bigger, but because of when it happened. That's sequence risk. The order and timing of returns matters enormously when you're withdrawing from a portfolio, not just the average return over time. Wade Pfau's landmark research puts a number on exactly how much it matters: the compounded return in the first 10 years of retirement explains roughly 77% of the final retirement outcome. Not the overall average return across 30 years — just the first 10. That single stat should reshape how every investor within a decade of retirement thinks about risk. In this episode we break down the five key strategies for protecting yourself during the retirement red zone — the 10-year window from roughly age 60 to 70 where portfolio fragility peaks. From cash and bond buffers to the bond tent strategy, the bucketing approach, guaranteed income floors, and dynamic withdrawal rules — we give you a complete master plan in plain, accessible language. What we cover: The two-retiree comparison that makes sequence risk impossible to ignoreWade Pfau's 77% stat — why the first decade of retirement defines everythingThe retirement red zone: age 60-70 and why this is your period of maximum fragilityFive proven strategies: cash buffer, bucketing, bond tent, income floor, dynamic withdrawalsWhy 2026's bond yields make defensive strategies more effective than they've been in yearsThe action every investor within 5 years of retirement needs to take right nowAll Things Investing — the podcast that breaks down the money game without the fluff. Send us Fan Mail Support the show Thanks for listening to All Things Investing – where smart money conversations are made simple. 📈 Loved today’s episode? Be sure to follow, rate, and review on your favorite podcast platform. 📩 Got a question or a topic you want covered? Send us a DM or email us at listenlasvegas@gmail.com. 📱 Follow us for daily tips, market updates, and more. 🔔 New episodes drop every week – don’t miss out. Remember: The best investment you can make... is in yourself.

  4. Sep 3

    The Beginner's Guide to Mastering Bitcoin Investing

    Bitcoin started 2026 above $90,000. By mid-year it had fallen to the low $60,000s. That's a 33% drop in a matter of months — and it's exactly the kind of move that separates investors who understand what they own from those who panic and sell at the worst possible moment. In this episode, we give you the honest, balanced beginner's guide to Bitcoin investing that most crypto content refuses to provide. No hype, no doom — just a clear-eyed look at what Bitcoin actually is, how it works, the three ways you can get exposure in 2026, and the critical things you need to understand before putting a single dollar into it. We start with the fundamentals: Bitcoin is a decentralized digital currency with a hard cap of 21 million coins, running on a blockchain that no company or government controls. That scarcity and decentralization are why many investors treat it as "digital gold" — a potential store of value and inflation hedge outside the traditional financial system. Then we tackle the most important question every beginner asks: should I actually invest? We use the data that matters most — Bitcoin has delivered positive returns over every rolling four-year period in its history, despite experiencing drawdowns of 50-80% along the way. That context doesn't make Bitcoin safe. But it does make the risk more understandable and manageable for a long-term investor with the right expectations. We also cover the new regulatory landscape — MiCA in Europe and the GENIUS Act in the US — that is providing clearer investor protections in 2026 than at any previous point in Bitcoin's history. What we cover: What Bitcoin actually is — explained simply without the jargonThe three ways to get Bitcoin exposure in 2026: direct purchase, spot ETF, or Bitcoin stocksThe four-year rolling return stat — the most important data point for beginner Bitcoin investorsWhy the 1-5% portfolio allocation rule is the right starting point for most beginnersSecurity basics: regulated exchanges, 2FA, cold wallets, and scam red flagsThe new regulatory environment — MiCA and the GENIUS Act explained simplyThe honest truth about volatility: if you can't watch a 30-50% drop without panic selling, Bitcoin may not be right for youAll Things Investing — the podcast that breaks down the money game without the fluff. Send us Fan Mail Support the show Thanks for listening to All Things Investing – where smart money conversations are made simple. 📈 Loved today’s episode? Be sure to follow, rate, and review on your favorite podcast platform. 📩 Got a question or a topic you want covered? Send us a DM or email us at listenlasvegas@gmail.com. 📱 Follow us for daily tips, market updates, and more. 🔔 New episodes drop every week – don’t miss out. Remember: The best investment you can make... is in yourself.

  5. Aug 31

    Navigating the Backdoor Roth IRA Strategy

    The IRS puts a lock on the Roth IRA for high earners — but there's a completely legal two-step key that bypasses it entirely. It's called the Backdoor Roth IRA, and in 2026 it's more valuable than ever. In this episode, we break down the Backdoor Roth IRA strategy from the ground up — what it is, who needs it, how to execute it correctly, and the critical mistake that trips up most people who try it for the first time. Here's the problem the strategy solves: in 2026, the Roth IRA income phase-out begins at $150,000 for single filers and $243,000 for married couples. Above those thresholds, direct Roth IRA contributions are partially or completely off the table. But the backdoor strategy changes that entirely — two steps, fully IRS-sanctioned, and available to anyone regardless of income. Step one: contribute $7,500 to a Traditional IRA as a non-deductible contribution. Step two: convert it to a Roth IRA. That's it. Your money is now in a Roth account, growing completely tax-free, with no income limit applied. But there's a critical detail most guides gloss over: the pro-rata rule. If you have existing pre-tax Traditional IRA money sitting anywhere, your conversion becomes partially taxable — and the tax bill can be significant. We explain exactly how this works with a simple dollar example and what you can do about it. We also cover the Mega Backdoor Roth — the advanced version that lets high earners contribute up to $47,500 in after-tax 401k dollars in 2026 and convert them to Roth status, far beyond the standard $7,500 IRA limit. What we cover: Why the IRS income limits block most high earners from Roth IRAs directlyThe two-step backdoor process explained simply — contribute, then convertThe pro-rata rule: the mistake that makes the conversion partially taxableThe Mega Backdoor Roth: up to $47,500 in additional Roth savings in 2026Why permanent TCJA tax rates make Roth conversions especially attractive right nowA simple decision framework: should you do the standard or mega backdoor strategy?All Things Investing — the podcast that breaks down the money game without the fluff. Send us Fan Mail Support the show Thanks for listening to All Things Investing – where smart money conversations are made simple. 📈 Loved today’s episode? Be sure to follow, rate, and review on your favorite podcast platform. 📩 Got a question or a topic you want covered? Send us a DM or email us at listenlasvegas@gmail.com. 📱 Follow us for daily tips, market updates, and more. 🔔 New episodes drop every week – don’t miss out. Remember: The best investment you can make... is in yourself.

  6. Aug 27

    The Simple Three-ETF Blueprint for Beginner Investors

    What if building a world-class investment portfolio required exactly three decisions — and then almost no decisions after that? That's the promise of the three-ETF blueprint — one of the most powerful, most evidence-backed, and most underappreciated investing strategies available to everyday investors. And in this episode, we break it down in the simplest possible terms so you can implement it this week. The strategy is elegantly simple. One US total market ETF (VTI) gives you exposure to over 3,700 American companies in a single ticker. One international ETF (VXUS) adds the other 40% of global market capitalization that most US investors completely ignore. And one bond ETF (BND) — currently yielding 4.50% in 2026 — provides ballast, income, and stability when stock markets get volatile. Together, those three funds cover the entire investable universe of global assets. The fee difference alone should make every investor pay attention. Actively managed funds often charge 1% or more per year in fees. VTI charges 0.03%. On a $100,000 portfolio over 30 years, that difference doesn't just add up — it compounds into tens of thousands of dollars that stay in your pocket instead of flowing to a fund manager who statistically is unlikely to beat the index anyway. The most important message of this episode is simple: the best portfolio is the one you'll actually stick with. A three-ETF blueprint that you automate and never touch beats a complex strategy you second-guess and tinker with constantly. Every time. What we cover: The three-fund portfolio explained: VTI, VXUS, and BND in plain EnglishWhy 0.03% vs 1% in fees compounds into tens of thousands of dollars over 30 yearsThe 60/30/10 starting allocation and how to adjust it as you ageWhy BND's 4.50% current yield makes bonds more attractive than they've been in yearsThe data showing automated index investing beats most active managers over timeWhy simple beats complex — and how to actually implement this blueprint todayAll Things Investing — the podcast that breaks down the money game without the fluff. Send us Fan Mail Support the show Thanks for listening to All Things Investing – where smart money conversations are made simple. 📈 Loved today’s episode? Be sure to follow, rate, and review on your favorite podcast platform. 📩 Got a question or a topic you want covered? Send us a DM or email us at listenlasvegas@gmail.com. 📱 Follow us for daily tips, market updates, and more. 🔔 New episodes drop every week – don’t miss out. Remember: The best investment you can make... is in yourself.

  7. Aug 24

    Mastering the HSA: A Guide to Health and Wealth

    What if there was an investment account that gave you a tax deduction when you put money in, let your money grow completely tax-free, and then allowed you to take it out tax-free too? No catch, no fine print, no income limits? That account exists. It's called a Health Savings Account — and 87% of people who have one are using it completely wrong. In this episode, we reveal why the HSA is arguably the most powerful tax-advantaged account in the entire US tax code — and why most people treat it like a basic spending account instead of the wealth-building machine it's designed to be. The numbers are compelling. In 2026 you can contribute $4,400 as an individual or $8,750 as a family. If you contribute through payroll deductions you save an additional 7.65% in FICA taxes on top of your income tax deduction — a combined tax benefit that no other account can match. And if you invest those contributions in low-cost index funds rather than letting them sit in cash, the triple tax advantage compounds into something genuinely significant over 20 or 30 years. We also reveal the advanced strategy that most HSA guides never mention: the "pay out of pocket now, reimburse later" approach. Pay your medical expenses from regular income today, keep every receipt, let your HSA grow invested for decades, then reimburse yourself tax-free in retirement using those old receipts. It's completely legal, IRS-approved, and one of the most powerful personal finance moves available to anyone with an HSA. What we cover: The triple tax advantage explained simply — why no other account matches itThe shocking stat: 87% of HSA owners are leaving this powerful tool sitting idleThe 2026 contribution limits: $4,400 individual and $8,750 familyThe FICA savings most guides never mention — an extra 7.65% tax savingThe "pay out of pocket, reimburse later" strategy that turns your HSA into a retirement accountHow to find out if you qualify and what to do today if you doAll Things Investing — the podcast that breaks down the money game without the fluff. Send us Fan Mail Support the show Thanks for listening to All Things Investing – where smart money conversations are made simple. 📈 Loved today’s episode? Be sure to follow, rate, and review on your favorite podcast platform. 📩 Got a question or a topic you want covered? Send us a DM or email us at listenlasvegas@gmail.com. 📱 Follow us for daily tips, market updates, and more. 🔔 New episodes drop every week – don’t miss out. Remember: The best investment you can make... is in yourself.

  8. Aug 20

    A Simple Guide to Global Portfolio Diversification

    Here's a question most investors never think to ask: are you actually diversified, or just concentrated in a way that feels diversified? If you own the S&P 500, you might think you're spread across 500 companies. But the S&P 500 is now more than 35% technology, with Nvidia alone making up 8% of the entire index. That's not diversification — that's concentration hiding in plain sight. And most beginner investors have no idea it's happening inside their portfolio right now. In this episode, we break down global portfolio diversification in the simplest possible terms — what it really means, why it matters more in 2026 than ever before, and exactly how a beginner can build a genuinely diversified portfolio without overcomplicating it. We start with the UBS stat that should make every investor pay attention: just 0.3% of US firms drove half of all market wealth since 1926. That single number explains why owning just US stocks — even hundreds of them — leaves you dangerously exposed to a handful of outcomes. Then we introduce the core-satellite framework: 70% in broadly diversified global index funds as your foundation, and 30% in higher-conviction positions like emerging markets or thematic ETFs for growth. We also cover the hidden factor most beginner guides skip entirely: currency risk. And we reveal the single habit that separates investors who actually stay diversified from those who drift back into concentration without realizing it — annual rebalancing, which only 30% of investors actually do. What we cover: Why the S&P 500 is less diversified than most investors thinkThe 0.3% stat that explains why global diversification is essentialThe core-satellite framework — 70% global core, 30% satellite positionsWhy 20-30% international allocation is the practical starting pointCurrency risk explained simply — and why it's not as scary as it soundsThe rebalancing habit that only 30% of investors actually followAll Things Investing — the podcast that breaks down the money game without the fluff. Send us Fan Mail Support the show Thanks for listening to All Things Investing – where smart money conversations are made simple. 📈 Loved today’s episode? Be sure to follow, rate, and review on your favorite podcast platform. 📩 Got a question or a topic you want covered? Send us a DM or email us at listenlasvegas@gmail.com. 📱 Follow us for daily tips, market updates, and more. 🔔 New episodes drop every week – don’t miss out. Remember: The best investment you can make... is in yourself.

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About

Welcome to All Things Investing – the podcast that breaks down the money game without the fluff. Whether you're a total beginner or just looking to sharpen your strategy, we bring you simple, actionable tips to grow your wealth, invest smarter, and stay ahead of the financial curve. 🪙 Learn how to build passive income 📈 Master stocks, ETFs, real estate & more 💡 Get weekly tips, market insights, and mindset shifts Real talk. Real strategies. No jargon. Just investing made easy. New episodes every week – hit follow and start stacking your future.

Information

  • Creator
    All Things Investing
  • Years Active
    2025 - 2026
  • Episodes
    39
  • Rating
    Clean
  • Copyright
    © 2026 All Things Investing
  • Show Website
    All Things Investing