Talking Money, Clearly

Wes Cuprill
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Talking Money, Clearly with Wes Cuprill is your straightforward guide to making smarter financial decisions.  Each week, Wes breaks down investing basics, financial planning, and money management with a no-nonsense approach that cuts through Wall Street hype. From budgeting, saving, and paying off debt to building wealth, retirement planning, and navigating today’s financial noise, this show delivers clear advice for millennials, middle-aged adults, and families who want to take control of their future. With segments like Wealth Wise Women and expert insights on global diversification, financial literacy, and long-term investing, Wes brings both education and coaching to help you stay committed to your plan and avoid costly mistakes. If you’re ready for practical financial strategies, real-world clarity, and a coach who tells it like it is, this podcast is for you.

  1. 9H AGO

    I’m Launching a Game Changer in 2026 – Are You Ready

    There’s a lot of negativity online right now — from news cycles to social media doomscrolling — and it’s convincing people that the future is bleak. I don’t buy that. In today’s episode, I’m sharing why I’m choosing to be aggressively optimistic heading into 2026, and how YOU can approach your financial life with clarity, calm, and confidence. If you’re planning for retirement, building long-term wealth, or simply trying to make smart financial decisions in a noisy world… this episode will help you get grounded, stay focused, and move forward with optimism. ⸻ What We Cover in This Episode ✔ Why the online “doom narrative” is keeping people stuck ✔ How to navigate negativity from news & social media ✔ The mindset shift that separates fearful investors from confident ones ✔ Why optimism is not naïve — it’s necessary ✔ Why challenges today = more rewarding outcomes tomorrow ✔ The birth of my new long-term financial ecosystem for 2026 ✔ A sneak peek at The Nucleus Strategy (wealth-building framework) ✔ What true holistic financial planning looks like ✔ How retirees and pre-retirees can build confidence in their future ✔ Why anyone, at any stage, can still build a life of abundance ⸻ 📌 Want help planning your financial future? If you want a strategic partner in your corner — one who brings clarity, optimism, and real accountability — you can connect with me here: 👉 Book a time with me: https://visitwithmc.com 👉 Email me directly: WesCapri@MoneyAndClarity.com I’d love to help you build long-term wealth with a plan that actually makes sense. ⸻ 📚 Coming January 2026: A brand-new Money & Clarity ecosystem including: • Wealth-building playbooks • Case studies • Retirement & pre-retirement frameworks • The Nucleus Strategy • My upcoming book • Tools, calculators, and more Stay tuned — big things are coming. ⸻ 👍 Enjoyed the episode? Hit LIKE, SUBSCRIBE, and turn on notifications so you never miss an upload. Optimism is contagious — let’s spread it. 📌 Chapters: 00:00 - The Expense Quietly Eroding Retirement Security 00:26 - Are You Helping Family at Your Own Expense? 00:52 - How Common Family Financial Support Really Is 01:28 - The Emotional Cost of Helping Loved Ones 02:25 - Why Financial Advisors Often Miss This Problem 02:55 - The Sandwich Generation: Caught in the Middle 03:30 - How Pensions Disappeared and Risk Increased 03:58 - Why We Keep Helping: The Emotional and Cultural Ties 04:57 - 3 Ways to Help Family Without Hurting Your Retirement 05:14 - Tip 1: Set Clear Financial Boundaries 05:58 - Tip 2: Pay Yourself First 06:30 - Tip 3: Give Strategically and Tax-Efficiently 07:15 - The Big Takeaway: Love Doesn’t Require Sacrifice 07:37 - What to Do Next (and How to Get Help) 08:00 - Final Thoughts and Closing #RetirementPlanning #FamilyFinances #FinancialBoundaries

    8 min

  2. OCT 30

    3 Major Problems With Your 401(k) (And How to Fix Them)

    For decades, the 401(k) has been treated as the cornerstone of retirement planning. But what if it’s not the perfect solution we’ve all been told it is? In this episode, I take a closer look at the three biggest downsides of the 401(k)—and why ignoring them could cost you far more than you realize. We’ll unpack how limited access to your own money, restricted investment choices, and the looming “tax time bomb” can all impact your long-term financial freedom. You’ll also learn about new ways to manage your 401(k) more effectively, from self-directed options to working with an outside advisor for greater control and flexibility. Plus, I’ll explain how to make your retirement plan more tax-efficient, so you’re not handing a large portion of your savings back to the IRS later. This isn’t about abandoning your 401(k)—it’s about understanding what it can’t do, and how to build a smarter plan around it. 👉 Subscribe for clear, practical advice on investing, retirement, tax planning, and building lasting wealth. Chapters🕓 00:00 - Why Revisit the 401(k) 00:16 - A Brief Look Back: How the 401(k) Started 00:38 - Downside #1: Limited Liquidity 01:43 - The Problem With 401(k) Loans 02:14 - Downside #2: Limited Investment Options 02:34 - Real Example: Setting Up a 401(k) 04:48 - The Power of Self-Managed Options 05:52 - Downside #3: The ‘Tax Time Bomb’ 08:33 - The Value of Holistic Financial Planning 09:16 - How Advisors Fit Into the 401(k) Picture 13:40 - Beyond Investment Management 16:05 - Closing Thoughts

    16 min

  3. OCT 23

    The Missing Piece Most Financial Plans Overlook

    Think “tax planning” sounds boring or optional? Think again. In this episode, I unpack why proactive tax planning has become one of the most important—and overlooked—parts of a strong financial plan. You’ll learn how changing tax laws, rising national debt, and evolving IRS rules make this a critical piece of long-term strategy, not just something to think about every April. I’ll also explain how effective tax planning can improve cash flow, reduce lifetime tax liability, and protect your retirement from what I call the “ticking tax time bomb.” We’ll look at real-world examples—from retirees managing RMDs to executives with stock options—and why a one-size-fits-all approach doesn’t work. Finally, I’ll share why I believe tax planning should be built into every financial decision, not added on afterward, and how it can become the missing piece in your overall financial plan. Next week, we’ll continue the conversation by looking at how all of this connects back to your 401(k). 👉 Subscribe for clear, practical advice on investing, retirement, tax planning, and building lasting wealth. Chapters🕓 00:00 - The Missing Piece 01:13 - A Changing Tax Landscape 02:41 - Why Tax Planning Matters Now 03:14 - What Tax Planning Really Is (and Isn’t) 04:30 - The Ticking Tax Time Bomb 05:49 - Real-World Examples 07:30 - The Art and Science of Tax Planning 09:29 - Making It a Core Part of Financial Planning 10:55 - Take Action

    12 min

  4. OCT 16

    The 401(k) Benefits — The Very Short List

    The 401(k) might be the most common retirement plan in America — but its “benefits” aren’t as impressive as they seem. In this episode, I revisit the traditional 401(k), explain what actually makes it valuable, and why that list is shorter than most people think. You’ll learn how tax-deferred contributions really work, when employer matches can make a difference, and why contribution limits and portability matter for long-term planning. I also break down why the 401(k) still plays a major role in most retirement strategies — even as its weaknesses become more obvious. Next week, we’ll dive into the cons of the 401(k) and how they might affect your financial future. 👉 Subscribe for clear, practical advice on investing, retirement, tax planning, and building lasting wealth. Chapters🕓 00:00 - Tank’s Cameo and Recap 00:41 - Why the 401(k) Still Matters in Retirement Planning 01:09 - How Retirement Is Evolving for Younger Generations 01:32 - The Biggest Benefit: Tax-Deferred Growth 02:13 - The Roth 401(k) Explained 02:42 - Employer Contributions: The “Free Money” Advantage 03:01 - Understanding Vesting and Staying Power 03:32 - Higher Contribution Limits vs. IRAs 04:17 - More Investment Options Than Ever Before 04:47 - Portability and Legal Protections (ERISA) 05:03 - The Short List: Few Real Benefits Remain 05:28 - The 401(k)’s Role in a Modern Financial Ecosystem 06:09 - What’s Next: The Cons of the 401(k)

    6 min

  5. OCT 9

    How an Accident in 1978 Created the 401(k) — and Changed Retirement Forever

    The 401(k) was never meant to exist — but it changed retirement forever. In this episode, I explain the history of the 401(k), how it started as a small section of the 1978 Revenue Act, and the story of Ted Benna — the man who saw an opportunity that reshaped the American retirement system. You’ll learn how pensions began to fail, why companies moved away from guaranteed benefits, and how the 401(k) became the backbone of retirement for millions of workers today. 👉 Subscribe for clear, practical advice on investing, retirement, tax planning, and building lasting wealth. Chapters🕓 00:00 - The History of Retirement 01:47 - The Pension Crisis and the End of an Era 03:49 - The 1978 Revenue Act and the Birth of the 401(k) 06:48 - Why the 401(k) Took Over 07:49 - The Lasting Impact and the Future of Retirement

    11 min

  6. OCT 2

    Why Your 401(k) Needs a Self Directed Brokerage Account

    Retirement as we know it is actually a very new idea. From the early days of Social Security to company pensions and now the 401k, the system has changed a lot - but not always for the better. In this episode, I explain why the modern 401k isn’t living up to its potential, what limitations most employees face, and how a self-directed brokerage account (SDBA) can open up better investment options. You’ll learn the history of retirement plans, why preset funds may not be serving you, and how using an SDBA can help you take more control of your future. 👉 Subscribe for clear, practical advice on investing, retirement, tax planning, and building lasting wealth. Chapters🕓 00:00 - Retirement is a New Concept 00:25 - Social Security and the Birth of Retirement (1930s) 00:59 - Pensions, Manufacturing, and the Shift to 401(k)s 03:48 - Why Today’s 401(k) Options Are Limited 05:25 - Negativity, Optimism, and the Stock Market Reality 07:28 - Self-Directed Brokerage Accounts (SDBAs) Explained 07:53 - Why Younger Investors Should Care About SDBAs 10:35 - Working With an Advisor and Final Thoughts

    11 min

  7. SEP 25

    Angel Studios Goes Public — A Victory for Everyday Investors

    Angel Studios has been in the spotlight for its Regulation A offering — a way for everyday investors to put money into a company they believe in. While other Reg A offerings, like Picasso, have struggled to raise funds, Angel Studios hit their goal and recently took the next big step: going public through a SPAC merger with Southport Acquisition Corporation. In this episode, I walk through how the Regulation A investment converted into tradable shares, what early price swings have looked like, and what this means for those who invested. You’ll learn the risks and rewards of investing through Regulation A, why liquidity matters, and what lessons Angel Studios’ journey offers for long-term investors. 👉 Subscribe for clear, practical advice on investing, retirement, tax planning, and building lasting wealth. Chapters🕓 00:00 - Intro & Regulation A Recap 00:47 - Angel Studios Reaches Funding Goal 01:38 - Going Public Through SPAC 02:26 - Share Conversion & Market Performance 05:24 - Lessons for Everyday Investors

    7 min

  8. SEP 18

    The 401k Secret Wall Street Hopes You Never Find

    Most people think a 401k limits them to a small list of mutual funds and target-date options — but that’s not the whole story. In this episode, I explain how a self-directed brokerage account (SDBA) can expand your 401k investment options, give you greater flexibility, and put more control in your hands. You’ll learn what an SDBA is, why less than 5% of employees use it, and how it can become a powerful tool for smarter retirement planning and long-term investing. 👉 Subscribe for clear, practical advice on investing, retirement, tax planning, and building lasting wealth. Chapters🕓 00:00 - Scotland Golf Trip & Bucket List Courses 00:37 - The Feeling of Sonder Explained 01:39 - Why Sonder Can Be Terrifying (and Humbling) 02:17 - From Philosophy to Investing 03:07 - Social Media, Comparison, and the Highlight Reel Trap 04:51 - Chasing the Next Big Thing: Internet, Bitcoin, AI 06:06 - Why FOMO Investing Feels Like Gambling 07:01 - Your Story ≠ Their Story in Wealth Building 07:47 - Creating a Plan That’s Right for YOU 09:00 - Final Thoughts & How We Can Help You 📅 Book a call: https://go.oncehub.com/visitMC For the most current information and financial news, subscribe to my FREE newsletter: http://talkingmoneyclearly.substack.com

    10 min
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About

Talking Money, Clearly with Wes Cuprill is your straightforward guide to making smarter financial decisions.  Each week, Wes breaks down investing basics, financial planning, and money management with a no-nonsense approach that cuts through Wall Street hype. From budgeting, saving, and paying off debt to building wealth, retirement planning, and navigating today’s financial noise, this show delivers clear advice for millennials, middle-aged adults, and families who want to take control of their future. With segments like Wealth Wise Women and expert insights on global diversification, financial literacy, and long-term investing, Wes brings both education and coaching to help you stay committed to your plan and avoid costly mistakes. If you’re ready for practical financial strategies, real-world clarity, and a coach who tells it like it is, this podcast is for you.

Information

  • Creator
    Wes Cuprill
  • Years Active
    2024 - 2025
  • Episodes
    56
  • Rating
    Clean
  • Copyright
    © 2025 Talking Money, Clearly
  • Show Website
    Talking Money, Clearly