Your Bread and Butter™

Private Financial Design, LLC
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Your Bread & Butter™ with Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® delivers practical, easy-to-understand guidance on investing, retirement, taxes, and everyday money decisions. We break down markets, financial planning strategies, and timely topics so you can feel more confident in your financial life. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.

  1. 5D AGO

    Ep. 60 - Labor Market Stalls & Recessions: Where Are We Now and Where Are We Going?

    Is the U.S. economy heading toward a recession—or setting up for a soft landing? In this episode, we break down historical labor market trends and compare them to today’s economic environment. Looking at key periods like the postwar slowdown, the 1970 recession, the dot-com era, and the 2008 financial crisis, a clear pattern emerges: hiring slows before layoffs rise—and that’s often where recessions begin. 📊 What we cover: How past recessions were signaled by labor market “stall” periodsWhy unemployment in the 4–5% range can be a warning signThe role of Federal Reserve policy and economic tighteningWhat makes today’s labor market (2025–2026) uniqueKey risks: geopolitical tension, policy shifts, and post-pandemic dynamics⚠️ Where we stand today: Low unemployment (~4.4%)Slowing or declining payroll growthA “low hire, low fire” environment📉 Historically, about 87% of similar conditions have led to a recession within 12 months—but this cycle may not follow the script. 🔍 Possible outcomes: Recession scenario: Job growth turns negative, unemployment risesSoft landing: Slow, steady cooling without a major downturnBottom line:The economy is at a critical inflection point. The next 6–12 months will be key in determining the direction of growth, markets, and investment strategy. 👍 Like, subscribe, and follow for more economic insights and market breakdowns.

    25 min

  2. MAR 31

    Ep. 59 - The Fine Print of Being an Adult: How to Read Financial Statements and Basic Insurance Policies Like an EX-Spurt!

    Life gets busy—and it’s easy to trust the professionals in your life without fully understanding the paperwork they send your way. But do you really know what your statements, policies, and financial documents are telling you? In this episode of Your Bread & Butter™, we break down how to read and interpret the fine print so you can stop reacting in short bursts—and start making consistent, informed financial decisions like an EX-Spurt. We cover: • How to read bank, investment, and 401(k) statements • What your insurance policies actually cover (and what they don’t) • Where hidden fees may be costing you • How to identify gaps in protection before it’s too late • Why financial clarity gives you confidence and control These documents reveal what you own, what you owe, and how protected you really are. Understanding them can help you avoid costly mistakes, reduce risk, and build a stronger financial future. 🎧 Listen now and take control of your financial life.

    26 min

  3. MAR 31

    Ep. 58 - Robo Advisors 101: Friend, Foe or Just a Tool?

    Robo advisors exploded onto the scene promising low-cost, automated investing—but are they actually the right fit for your financial life?In this episode of Your Bread & Butter™, we break down:-What robo advisors really do behind the scenes-The biggest advantages (low cost, automation, simplicity)-Where they fall short (no real planning, limited customization, zero human guidance)-When a robo makes perfect sense—and when it doesn’t💡 The truth: robo advisors aren’t good or bad—they’re tools. The key is knowing when to use them.Whether you’re just getting started, managing growing complexity, or somewhere in between, this episode will help you decide if a robo advisor belongs in your financial strategy.👇 Listen now and take control of your financial decisions.🌐 Learn more: www.privatefinancialdesign.com🎧 Follow Your Bread & Butter™ wherever you get your podcasts

    27 min

  4. FEB 19

    Ep. 57 - How Do You Get Paid in Retirement?

    You’ve saved for retirement. You’ve invested carefully. But now comes the most important question: How do you actually get paid in retirement? In this episode, we break down how retirement income really works — how money moves from your various accounts into your checking account, how taxes impact each source, and how to design a system that keeps income predictable and flexible. We cover: ✔️ Social Security – how benefits are set up, direct deposit, tax withholding, and Medicare deductions✔️ Pensions – predictable income, tax treatment, and coordination✔️ IRAs and 401(k)s – withdrawal rules, mandatory withholding, and tax implications✔️ Roth IRAs – tax-free income strategies✔️ Brokerage and trust accounts – capital gains and income planning✔️ Annuities – qualified vs. non-qualified taxation and LIFO rules✔️ Investment real estate – rental income, taxes, and ownership considerations Retirement isn’t just about accumulating assets — it’s about creating a coordinated income strategy that adapts as markets, taxes, healthcare costs, and life circumstances change. We also discuss:• How taxes affect each income source• How Medicare premiums are deducted• Why flexibility matters• How to integrate spouses and beneficiaries into the plan A well-designed retirement income plan ensures that multiple sources work together efficiently — creating confidence, clarity, and financial stability in your “last career.” If you’re approaching retirement or already retired, this episode will help you understand how to turn your savings into a reliable paycheck. Subscribe for more conversations about retirement income, tax strategy, and financial clarity.

    24 min

  5. FEB 19

    Ep. 56 - 10 Money Myths Even Bigfoot Doesn't Believe!

    Are you making financial decisions based on myths that just sound true? 👀 In this episode of Your Bread & Butter™, Andrew and Ryan break down 10 of the biggest money myths—even Bigfoot doesn’t believe these. From “Roth is always better” to “You should pay off your mortgage ASAP” and “The market is too high to invest,” we unpack why these beliefs stick—and what the practical truth actually looks like. We cover: When a Roth isn’t the best move Why liquidity can beat a paid-off mortgage The real risk of waiting to invest Why estate planning isn’t just for the wealthy The difference between diversification and just having multiple accounts Whether you really need to eliminate all debt before investing If your employer plan is enough And more Money myths spread because they’re simple, confident, and easy to share—especially on social media. But oversimplified rules of thumb can lead to missed tax opportunities, lost compounding, emotional stress, and costly decision fatigue. Our goal in this episode: replace popular myths with clear, practical truths you can actually use. If you’ve heard a financial “rule” you’re unsure about, drop it in the comments—we might feature it in a future episode. 🎧 Listen wherever you get your podcasts.🌐 Learn more at: www.privatefinancialdesign.com

    37 min

  6. JAN 29

    Ep. 55 - Retire-in-Mint Condition Part 2

    Retirement isn’t just about reaching a certain age — it’s about having the means and the plan to retire with confidence. In Part 2 of our Retire-In-Mint Condition series on Your Bread & Butter™, we break down the true cost of retirement, what expenses may decrease, what tends to increase, and how to think through the big question: 👉 “When can I retire?” We also walk through the major retirement milestones (59½, 62, 65, 66–67), and how to build a smart retirement income strategy using both fixed and flexible income sources—while staying as tax efficient as possible. ✅ What may get cheaper in retirement (debt payments, commuting, taxes, clothing)✅ What may get more expensive (healthcare, Medicare, out-of-pocket costs, home repairs, inflation)✅ Retirement milestones by age:• 59½ – Qualified retirement account distributions• 62 – Social Security eligibility• 65 – Medicare• 66–67 – Full Social Security✅ The FIRE movement (Financial Independence, Retire Early)✅ How to generate retirement income:• Fixed sources: Social Security, pensions, annuities• Flexible sources: 401(k)s, IRAs, Roth accounts, brokerage accounts, cash✅ Staying tax efficient: knowing what income to pull—and when Summary: ✔ Have the resources (no do-overs)✔ Have a vision✔ Create a plan 🌐 Learn more: www.privatefinancialdesign.com🎙 Subscribe to Your Bread & Butter™ wherever you get your podcasts.

    29 min

  7. JAN 28

    Ep. 54 - Retire-in-Mint Condition Part 1

    What will retirement really look like for you? In this episode of Your Bread & Butter™, we introduce the idea of the “Someday Window”—a simple way to uncover what your retirement lifestyle may naturally become once work obligations disappear. From travel and dining out to hiking, pickleball, and art classes, your “someday” priorities often become your biggest retirement spending drivers. We also break down what tends to get cheaper in retirement (commuting, work meals, payroll taxes) and what often gets more expensive (healthcare, home repairs, inflation). Plus, we discuss the Retirement Spending Smile—why spending usually rises early in retirement, dips in the middle years, then rises again later due to medical costs. In this episode, we cover: ✅ The Someday Window + Activity Map✅ What retirement spending actually looks like✅ Work, stop work, or phase out?✅ “Doughphobia” (fear of spending your own savings)✅ What gets cheaper vs. more expensive in retirement✅ Tax-friendly living (“Taxile Living”)✅ The Retirement Spending Smile + Moneymoon Phase✅ A lifestyle cost exercise you can do today 📌 In Part 2, we’ll answer the big question: How much do you need to fund your retirement lifestyle? 🌐 Learn more: www.privatefinancialdesign.com🎙 Subscribe to Your Bread & Butter™ wherever you get your podcasts.

    26 min

  8. JAN 21

    Ep. 53 - Made in America: Reindustrialization & Investment Trends

    Is “Made in America” making a real comeback—or is it more policy than practice? In this episode of Your Bread & Butter™, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down the modern U.S. reindustrialization movement and what it means for investors. From AI-driven infrastructure buildouts to reshoring critical pharmaceuticals and semiconductor manufacturing, we explore where capital is actually flowing—and where expectations may be overstated. Key topics covered: The historical roots of “Made in America” and its modern resurgence Government reshoring strategies: incentives, tariffs, and national security priorities Why AI and semiconductors are driving the largest U.S. industrial buildout in decades Major U.S. expansion plans from companies like NVIDIA, Apple, TSMC, AstraZeneca, and Hyundai The role of data centers, energy infrastructure, and industrial backlogs Why reshoring is likely to remain selective rather than universal What investors should understand about long-term reindustrialization trends This conversation provides context—not hype—around how policy, geopolitics, and technology are reshaping U.S. investment landscapes. 🎧 Listen to Your Bread & Butter™ wherever you get your podcasts🌐 Learn more: www.privatefinancialdesign.com

    25 min
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About

Your Bread & Butter™ with Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® delivers practical, easy-to-understand guidance on investing, retirement, taxes, and everyday money decisions. We break down markets, financial planning strategies, and timely topics so you can feel more confident in your financial life. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.

Information

  • Creator
    Private Financial Design, LLC
  • Years Active
    2024 - 2026
  • Episodes
    58
  • Rating
    Clean
  • Copyright
    © Private Financial Design, LLC
  • Show Website
    Your Bread and Butter™