Retirement Lifestyle Show with Roshan Loungani and Adrian Nicholson

Summary: In this episode of the Retirement Lifestyle Show, Adrian Nicholson discusses the unwritten financial rules that shape our decision-making processes. He emphasizes the importance of understanding how fear can influence outcomes, the value of writing down problems to gain clarity, and the necessity of owning the outcome of tasks. Additionally, he highlights the significance of prioritizing knowledge before success and the art of patience in decision-making. These principles aim to guide listeners in navigating financial challenges and achieving their goals with confidence. Hashtags: financial rules, decision making, retirement planning, personal finance, investment strategies, life lessons, unwritten rules, financial success, knowledge, patience, ChatGPT, Artificial Intelligence, Markets, Economy Chapters 00:00Understanding the Law of the Land 03:48Key Principles for Financial Success 07:42The Importance of Knowledge in Decision Making 10:58The Art of Patience in Decision Making Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://www.youtube.com/@retirementlifestyleshow https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Summary: In this episode of the Retirement Lifestyle Show, Adrian Nicholson discusses the economic cycle, outlining its four stages: trough, expansion, peak, and contraction. He emphasizes the importance of understanding these stages for financial wellbeing and provides practical tips for navigating each phase. The conversation highlights how economic conditions can significantly impact lifestyle and financial decisions, encouraging listeners to prepare and adapt accordingly. Hashtags: economic cycle, financial wellbeing, GDP, investment strategies, retirement planning, economic stages, consumer spending, interest , financial stability, market trends Chapters 00:00 Understanding the Economic Cycle 03:51 Navigating the Trough Stage 06:13 Thriving During Expansion 08:37 Recognizing the Peak Phase 11:54 Contraction Cycle Follow Us At:Website: https://retirementlifestyleshow.com/https://www.retirewithroshan.comhttps://youtu.be/hKVzI87v0tAhttps://twitter.com/RoshanLounganihttps://www.linkedin.com/in/roshanloungani/https://www.facebook.com/retirewithroshan/https://www.linkedin.com/in/financialerik/https://www.linkedin.com/in/adrian-nicholson-74b82b13bAll opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Summary: In this episode of the Retirement Lifestyle Show, Adrian Nicholson discusses four key areas essential for achieving personal success: wealth management, networking and relationships, health, and lifestyle. He emphasizes the importance of holistic planning in wealth management to boost financial confidence, the value of quality relationships over quantity, the need for a balanced approach to both physical and mental health, and the significance of creating a fulfilling lifestyle. Each area is interconnected, and neglecting any one of them can hinder overall success and fulfillment in life. Chapters:00:00 Introduction to Personal Success 01:53 Wealth Management: The Foundation of Success 04:14 Networking and Relationships: Building Your Support System 09:59 Health: The Balance of Physical and Mental Well-being 11:46 Lifestyle: Creating a Fulfilling Daily RoutineHashtags personal success, wealth management, networking, relationships, health, lifestyle, financial confidence, holistic planning, support system, achieving goals, investingFollow Us At:Website: https://retirementlifestyleshow.com/https://www.retirewithroshan.comhttps://youtu.be/hKVzI87v0tAhttps://twitter.com/RoshanLounganihttps://www.linkedin.com/in/roshanloungani/https://www.facebook.com/retirewithroshan/https://www.linkedin.com/in/financialerik/https://www.linkedin.com/in/adrian-nicholson-74b82b13bAll opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Summary: In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss the complexities of market predictions and their relevance to investment strategies. They emphasize the importance of focusing on solid business fundamentals and valuation metrics rather than getting caught up in market forecasts. The conversation covers how to evaluate stocks effectively and the criteria to consider when making investment decisions, ultimately guiding listeners towards a more informed and strategic approach to investing. Hashtags: market predictions, investment strategies, stock evaluation, financial advice, retirement planning Chapters 00:00 Introduction to Market Predictions 05:04 The Value of Predictions in Investing 12:42 Criteria for Evaluating Stocks 24:54 Final Thoughts on Investment Strategies Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Summary: In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss the importance of starting the new year with a clear focus on financial goals and strategies. They introduce the 'Starting Five for 2025', which includes simplifying tasks, celebrating daily wins, reviewing goals, automating financial processes, and revisiting investment allocations. The conversation emphasizes the need for reflection and planning as listeners embark on their financial journeys in the new year. Chapters 00:00 Welcome Back and New Beginnings 02:25 Exploring the Retirement Lifestyle Show Website 07:30 The Starting Five for 2025 08:15 Simplify for Success 11:45 Daily Wins for Momentum 13:08 Reviewing Goals for Success 15:45 Automate Your Financial Tasks 21:12 Revisit Your Investment Allocation Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Summary: In this episode of the Retirement Lifestyle Show, Adrian Nicholson shares his personal journey of preparing for and passing the CFP® certification examination. He discusses the challenges he faced, the strategies he employed, and the valuable lessons he learned throughout the process. From choosing the right online courses to managing his study schedule, Adrian emphasizes the importance of commitment, positive mindset, and effective preparation. He also shares key takeaways that can help listeners tackle their own challenges and pursue their goals. Hashtags: financial planning, study strategies, online courses, personal growth, exam preparation, time management, lessons learned, positive mindset, goal achievement Chapters 00:00 Introduction to the Journey 01:12 Deciding to Pursue the goal 03:15 Choosing the Right Online Course 05:52 Navigating the Coursework 09:21 Preparing for the Exam 12:20 Study Strategies and Time Management 15:08 The Importance of Practice Exams 19:13 Key Takeaways and Lessons Learned 23:49 The Day of the Exam 31:02 Reflections on the Journey Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Summary In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson talk about the 2025 investment outlook, discussing the post-pandemic economic landscape, market dynamics, and the significance of the Magnificent Seven stocks. They explore the impact of geopolitical risks on investments and emphasize the importance of rebalancing portfolios to align with financial goals. The conversation highlights key trends and strategies for investors to be more informed when navigate the evolving market environment. Chapters 00:00 Navigating the Post-Pandemic Economic Landscape 06:40 Understanding Market Dynamics and Investment Strategies 13:57 The Magnificent Seven: Trends and Predictions 20:42 Geopolitical Risks and Portfolio Management 25:54 The Importance of Rebalancing Your Portfolio Hashtags: investment outlook, market trends, economic recovery, inflation, portfolio management, geopolitical risks, Magnificent Seven, rebalancing, financial strategies, 2025 Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson journey into the realm of financial psychology, exploring how various psychological concepts influence retirement planning and investing. They discuss the status quo bias, heuristics, analysis paralysis, mental accounting, the endowment affect, herd behavior, and narrative fallacy, providing insights and examples to help listeners understand the impact of these biases on their financial decisions. The conversation emphasizes the importance of self-awareness in managing finances and making informed investment choices. Hashtags: financial psychology, retirement planning, investing, behavioral finance, decision making, status quo bias, heuristics, analysis paralysis, mental accounting, endowment affect, herd behavior, narrative fallacy Chapters 00:00 Introduction to Financial Psychology 03:13 Understanding Status Quo Bias 05:58 Heuristics in Financial Decision Making 10:57 Analysis Paralysis: The Dangers of Overthinking 15:00 Mental Accounting and Its Implications 21:14 The Endowment EAect: Emotional Attachments in Finance 27:57 Herd Behavior in Investing 31:58 Narrative Fallacy: The Power of Compelling Stories Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Summary: In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss the current state of artificial intelligence (AI) and its implications for investors. They explore the rapid growth of AI, the potential for investment opportunities, and the risks associated with this emerging technology. The conversation delves into the impact of AI on productivity and employment, the importance of understanding the AI value chain, and the need for vigilance in research and investment strategies. The hosts also compare the current AI landscape to past market bubbles and provide insights into future projections for AI companies. Hashtags: AI, investment, market trends, productivity, employment, technology, data centers, f inancial advice, stock market, economic growth 00:00 Introduction to AI and Investment Opportunities 06:07 AI's Impact on Employment and Productivity 11:49 Investment Risks and Market Dynamics 17:48 Comparing AI to Past Market Bubbles 24:05 Conclusion and Key Takeaways Hashtags: AI, investment, market trends, productivity, employment, technology, data centers, financial advice, stock market, economic growth Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss essential financial strategies as the year comes to a close. They emphasize the importance of cash reserves, investment discipline, tax loss harvesting, optimizing tax accounts, and estate planning. The conversation provides listeners with practical tips to achieve their goals. #retirement planning, cash reserves, investment strategies, tax loss harvesting, estate planning, financial advice, wealth management, retirement accounts, financial discipline, tax efficiency Chapters 00:00 Introduction to Retirement Planning 01:19 Importance of Cash Reserves 05:08 Investment Doubling and Discipline 10:31 Tax Loss Harvesting Strategies 13:41 Optimizing Tax Accounts 22:29 Estate Planning Essentials Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss the implications of the upcoming election on investments. They explore how elections can create uncertainty in the market, the importance of diversification, and the impact of presidential outcomes on the S&P 500. The conversation focuses on various policy proposals from both candidates, including tax policies, interest rates, energy, and regulation, and how these factors could influence different sectors. The hosts emphasize the need for investors to focus on individual companies rather than making sweeping changes based on election outcomes. Chapters 00:00 Understanding the Impact of Elections on Investments 04:01 The Role of Diversification in Uncertain Times 09:20 Interest Rates and Their Influence on the Market 13:08 Energy Policies and Their Market affects 15:51 Regulatory Changes and Their Impact on Industries 19:04 Investment Strategies Based on Election Outcomes Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Summary: In this episode of the Retirement Lifestyle Show, hosts Adrian Nicholson and Roshan Loungani discuss the importance of personalized planning in financial management. They emphasize the need to look beyond mere numbers and focus on qualitative factors such as risk tolerance, longevity expectations, personal values, and lifestyle outlook. The conversation highlights how these subjective elements can significantly impact financial planning and decision-making, ultimately leading to a more fulfilling experience. Chapters 00:00 Introduction to Personalized Planning 01:04 The Importance of Qualitative Factors 06:13 Understanding Attitude Towards Risk 12:19 Longevity Expectations in Planning 24:33 Aligning Values with Financial Goals 28:40 Lifestyle Outlook and Adaptability Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss the complexities of turnaround investments. They discuss the risks associated with investing in companies attempting to recover from poor performance, emphasizing the importance of evaluating management effectiveness, market share, and financial health. The conversation highlights key factors to consider when assessing potential turnaround opportunities, including the relevance of products, competitive advantages, and the necessity of a solid investment strategy to manage risks effectively Hashtag# turnaround investments, investment strategies, market share, management evaluation, financial health, business viability, risk management, investment advice, stock market, value traps Chapters 00:00 Introduction to Turnaround Investments 02:05 Understanding Turnarounds: Risks and Opportunities 05:53 Evaluating Management: Key to Successful Turnarounds 10:58 Market Share: A Crucial Factor in Turnaround Potential 12:41 Assessing Business Viability: Competitive Advantage and Relevance 18:09 Financial Health: Analyzing the Balance Sheet 21:10 Management Actions: Progress and Accountability 27:30 Investment Strategy: Managing Risks and Position Sizes Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss the importance of having a sell discipline in investing. They share insights from the recent Arete Wealth Management conference, emphasizing the need for investors to have clear reasons for selling their investments, which can be based on changes in their investment thesis or market conditions. The conversation moves into behavioral finance, emotional decision-making, and the significance of customizing sell strategies to fit individual investor profiles. The hosts provide practical tips for developing a sell discipline that can educate investors about future market volatility and make informed decisions. #sell discipline #investment strategies #behavioral finance #market volatility #investment thesis #emotional investing #opportunity cost #financial planning #stock market #investment decisions Chapters 00:00 Introduction and Conference Insights 03:00 Understanding Sell Discipline 05:56 Thesis and Discipline in Investing 09:54 Evaluating Sell Strategies 12:59 Behavioral Finance and Emotional Investing 16:24 Opportunity Cost and Investment Decisions 20:07 Customizing Your Sell Discipline 23:45 Final Thoughts on Emotional Decision-Making Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Summary: In this episode of the Retirement Lifestyle Show, hosts Roshan Loungani and Adrian Nicholson discuss five practical tips to enhance daily life and improve overall well-being. The conversation covers the importance of controlling what you can control, seeking humor, engaging in hobbies, challenging oneself, and setting goals. Each tip is explored with personal stories and insights, emphasizing their significance in fostering a positive lifestyle. #Lifestyle #Enhancement #Personal development #Happiness tips #Retirement #Self-improvement #Invest #Control #Humor #Hobbies #Challenges #Goals Chapters: 00:00 Introduction to Lifestyle Enhancement Tips 01:05 Controlling the Controllables 02:57 The Power of Humor 05:34 Embracing Hobbies for a Fulfilling Life 09:02 Challenging Yourself for Growth 14:25 Setting Goals for Motivation and Accomplishment Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Summary: In this episode, Roshan Loungani and Adrian Nicholson delve into key insights from Howard Marks' book, The Most Important Thing. They explore essential investing concepts like valuation, risk, and diversification. They recommend understanding the true value of your investments, managing risks eƯectively, and maintaining a diversified portfolio. The discussion also highlights the importance of recognizing market cycles, managing emotions, and focusing on individual opportunities rather than market predictions. Chapters 00:00 Introduction and Overview 02:10 Understanding Valuation and Risks in Investing 08:22 The Importance of Managing Risk and Mitigating Losses 13:02 Diversification 21:29 Reliable Gains and Avoiding Aggressive Investing 22:15 The Margin of Error and Risk-Adjusted Return 23:33 The Importance of Risk Control and Margin for Error 25:13 Navigating Market Cycles 26:24 The Role of Psychology and Technical Factors 28:55 The Dangers of Following the Herd 29:21 Focus on Individual Opportunities 31:18 The Value of Defensive Investing Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode, Roshan and Adrian discuss the bear and bull cases for small cap stocks. The bear case highlights the underperformance of small caps compared to large caps, the investments made by big companies in areas like AI and electric vehicles, and the impact of a low interest rate environment. On the other hand, the bull case emphasizes the valuation advantage of small caps, the potential for rate cuts to boost earnings, and the economic gains from reshoring and infrastructure investments. The hosts also discuss the importance of long-term investing, diversification, and conducting thorough research before making investment decisions. Chapters 00:00 Introduction and Overview 01:05 The Bear Case for Small Cap Stocks 04:10 The Bull Case for Small Cap Stocks 08:08 Valuation and Rate Cuts: Opportunities for Small Caps 11:54 The Impact of Investments and Interest Rates on Small Caps 18:53 Long-Term Investing and Diversification in Small Caps 25:17 The Importance of Research and Professional Advice in Small Cap Investing 28:44 Conclusion Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode, Roshan and Adrian discuss the performance of long-term treasury bonds. They explore the factors that have led to the underperformance of long-term treasuries compared to large-cap stocks. They also discuss the correlation between stocks and bonds and the impact of the Federal Reserve's rate cuts on the bond market. The conversation delves into the potential opportunities and risks associated with long-term treasuries and corporate bonds. They also touch on the importance of duration in fixed income investments and the potential impact of a weakening economy on treasuries. The episode concludes with a discussion on recession indicators and the importance of doing thorough research. Keywords: long-term treasuries, small-cap stocks, performance, correlation, Federal Reserve, rate cuts, opportunities, risks, duration, fixed income, weakening economy, recession indicators, research, financial advisor Chapters 00:00 Introduction and Overview 01:39 The Performance of Long-Term Treasuries 03:14 The Correlation Between Stocks and Bonds 05:17 The Impact of Federal Reserve Rate Cuts 08:55 Opportunities and Risks in Long-Term Treasuries and Corporate Bonds 09:13 The Importance of Duration in Fixed Income Investments 13:25 Recession Indicators and the Unique Circumstances of the Current Economy 18:57 The Importance of Research and Consulting with a Financial Advisor 29:35 Conclusion

In this episode, Roshan and Adrian discuss the recent market volatility and how investors can react to it. They analyze the causes of the volatility, including the surprise rate hike in Japan and the increase in the US unemployment rate. They also explore the potential risk of a recession and how it can impact the market. The hosts provide several strategies for managing volatility, such as reviewing risk tolerance, rebalancing portfolios, and considering buying opportunities. They emphasize the importance of taking a long-term perspective and focusing on individual goals. 00:00 Introduction and Summer Recap 03:36 Causes of Volatility: US Unemployment Rate 08:26 Assessing the Risk of a Recession 14:07 Strategies for Managing Volatility 16:34 Rebalancing Portfolios and Taking Advantage of Buying Opportunities 19:36 Reviewing and Adjusting Portfolio Holdings 23:30 Taking a Long-Term Perspective and Focusing on Goals Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode, Roshan and Adrian discuss 8 categories individuals need to examine to determine if they are on track for their goals. Adrian breaks down the topic into eight categories: family information, investments, liabilities, property, income, expenses, insurance, and goals. They emphasize the importance of considering each category and how they interconnect. They also mention the need for financial planning and the potential for adjustments along the way Chapters 00:00 Introduction 03:07 The Eight Categories to Assess Your Financial Situation 08:23 Property and Where You're Living 11:52 Income and Cash Flow Management 14:22 Insurance and Risk Mitigation 16:34 Goals and Determining Your Financial Path Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals.

Summary In this episode of the Retirement Lifestyle Show, Roshan and Adrian discuss the stages of a bull market. They reference a quote by Sir John Templeton that describes the stages as born on pessimism, growing on skepticism, maturing on optimism, and dying on euphoria. They break down each stage and discuss the characteristics and trends associated with them. After analyzing the current market conditions, they conclude that we are currently in the optimism stage. They emphasize the importance of understanding the stage of the bull market to make informed investment decisions. Keywords retirement, lifestyle, show, bull market, stages, pessimism, skepticism, optimism, euphoria, market conditions, investment decisions, technical analysis, fundamental analysis, stocks, bonds, cash, markets, economy, Takeaways Bull markets go through stages: born on pessimism, growing on skepticism, maturing on optimism, and dying on euphoria. Understanding the stage of the bull market can help make informed investment decisions. Investors should be cautious of the potential risks associated with the euphoria stage, such as rapid price increases and market melt-ups. Sound Bites "Bull markets are born on pessimism, growing on skepticism, mature on optimism and die on euphoria." Chapters 00:00 Introduction and Topic Overview 02:11 Breaking Down the Stages: Pessimism 05:29 The Skepticism Stage 09:26 The Optimism Stage 11:38 The Euphoria Stage 27:44 Final Thoughts and Conclusion Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals.

In this episode, Roshan and Adrian discuss the mid-year market outlook. They cover various categories such as economic expansion, consumer spending, investment spending, the labor market, inflation, the Federal Reserve and policy, and the stock market. They highlight the importance of researching high-quality companies, the potential impact of elections and trade friction, and the performance gap between small and large-cap stocks. They also discuss the significance of interest rates and the Fed's role in the market. Overall, they provide valuable insights for investors Chapters 00:00 Introduction and Overview 02:00 Economic Expansion and Consumer Spending 07:27 Investment Spending and the Labor Market 14:20 Inflation and the Federal Reserve 29:11 Small-Cap vs Large-Cap Stocks 38:10 Conclusion and Closing Remarks Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals.

In this episode, Roshan and Adrian discuss the topic of generative AI and whether it is a bubble that will burst soon. The conversation explores the comparison between the dot com boom and the current AI run-up. It discusses the differences in earnings and applications between the two periods. The conversation also touches on the winners and losers in the AI space and the importance of capital discipline and diversification. The potential for future AI advancements and the need for adoption are highlighted. The conversation concludes by emphasizing the need for individual investors to assess their comfort level and decide whether to explore AI investments. Chapters: Introduction Discussion on Generative AI Winners and Losers in the AI Space The Importance of Capital Discipline and Diversification The Potential for Future AI Advancements Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals.

In this episode, Roshan and Adrian discuss the 10 financial rules of thumb. They provide their thoughts on each rule and our additional insights. The rules cover topics such as delaying Social Security, taking loans from a 401k, paying down your mortgage, diversification in investing, buying the dip, withdrawing from your retirement portfolio, maximizing employer matching contributions, hedging against inflation, asset allocation based on age, and redefining retirement. Roshan and Adrian emphasize the importance of individual financial planning and considering personal circumstances when applying these rules. Chapters 00:00 Introduction and Overview 05:19 Avoiding 401k Loans 08:30 Paying Down Your Mortgage 13:01 Diversification in Investing 20:54 Retirement Withdrawal Strategies 23:02 Maximizing Employer Matching Contributions 26:14 Hedging Against Inflation 31:25 Redefining Retirement 33:20 Conclusion and Final Thoughts Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals.

Today’s podcast episode explores the potential opportunities in the energy sector. The conversation also touches on the importance of supply and demand dynamics, the impact of geopolitical conflicts, and the role of AI companies in the energy space. It emphasizes the need for thorough research and careful consideration when investing in the energy sector. Chapters 00:00 Introduction and Overview 03:23 Energy Stocks: Out of Favor but Potential Opportunities 06:22 Supply and Demand Dynamics in the Energy Sector 08:22 Value vs. Growth in the Energy Sector 13:48 The Race to the Grid: AI Companies and Energy Demand 24:26 Bottom-Up Approach to Researching Energy Companies 27:41 Top-Down Approach: Considering Macro Factors in Energy Investments Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals.

Roshan Loungani reflects on attending Berkshire Hathaway's annual meeting, stressing the value of learning from Warren Buffett's experience and quotes. He discusses market efficiency and the importance of understanding businesses for investment decisions. Roshan also considers Buffett's potential view on meme stocks. Key takeaways include focusing on good businesses, long-term investment, continuous improvement, kindness, and fundamental analysis. Takeaways Learn from Buffett's experience and quotes. Understand businesses for better investment decisions. Consider Buffett's perspective on meme stocks. Emphasize good businesses, long-term focus, and continuous improvement in investing. Hashtags Berkshire Hathaway, annual meeting, Warren Buffett, Charlie Munger, investing, efficient market hypothesis, meme stocks, business fundamentals, Warren Buffett, shareholder meeting, investing, business, good businesses, good management, long term, improvement, kindness, fundamental 00:00 Introduction and Personal Updates 02:15 Attending Berkshire Hathaway's Annual Meeting 03:41 The Value of Attending Other Events 05:19 Exploring Omaha and Conference Travel 09:11 International Attendance and Questioning 11:26 Quotes and Insights from Warren Buffett and Charlie Munger 19:50 Meme Stocks and Potential Buffett Opinion 23:20 Market Frenzy and Speculation 28:42 The Importance of Understanding Businesses 30:10 Avoiding Mistakes and Perseverance 31:53 The Impact of Climate Change and Inflation 34:01The Role of Management in Investing 35:15Finding the Game of Interest 39:39The Importance of Being Kind and Giving Back Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals.

In this episode, the hosts delve into investment opportunities within the artificial intelligence (AI) sector. They explore AI's value chain, spanning infrastructure, cloud services, and applications. Comparisons to the dot-com boom are drawn, along with considerations regarding a potential AI bubble. The conversation highlights research areas such as chip manufacturers, software companies, robotics, and unexpected sectors like coal. Scalability, technology trustworthiness, and AI's societal implications are emphasized throughout. Takeaways Opportunities in the AI space exist in various areas, including chip makers, software firms, robotics, and even coal. The value chain of AI includes infrastructure, cloud, and AI applications, each offering potential investment ideas. Comparisons to the dot-com boom suggest that while there may be a bubble forming in the AI space, it is not at the same level as the dot-com bubble. Scalability and trust in the technology are important factors to consider when investing in AI. AI has the potential to impact various industries, such as healthcare, finance, logistics, and supply chain, and can improve everyday life through home automation, safety monitoring, and assistive.  Chapters 00:00 Introduction and Disclaimer 06:52 Scalability and Trust in AI 27:45 The Role of Robotics in AI 39:18 The Importance of Trust in Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals.

In this discussion, Roshan and Adrian explore Peter Lynch's final rules of investing, focusing on concentration versus diversification, market preparedness, temperament, and fundamental analysis. They highlight the importance of knowing your investment comfort level, observing trends, preparing for market declines, understanding risk tolerance, and focusing on company research, while emphasizing the benefits of equity mutual funds or index funds for less research-inclined investors. Chapters 00:00 Introduction and Recap 07:23 Finding Growth Companies: Be Observant of Trends 15:19 Being Prepared for Market Declines: Mentally and Financially 32:53 The Importance of Time and Long-Term Perspective 43:15 Equity Mutual Funds for Simplicity and Diversification Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals.

In this milestone 200th episode, Roshan and Adrian review the top episodes of the Retirement Lifestyle Show. They discuss episodes that cover a range of topics, including financial planning, investing, market volatility, retirement lifestyle, and more. The hosts highlight the most valuable takeaways from each episode and provide insights into why these episodes are worth revisiting. They also make honorable mentions and encourage listeners to provide feedback and suggest topics for future episodes. Chapters 00:00 Introduction and Milestone Celebration 01:42 Recap of Previous Seasons 02:12 Transition to Retirement Lifestyle Show 03:26 Financial Guide for a Better Tomorrow 04:45 10 Practical Steps for Wealth Building Success 05:57 Bear Market Stages 06:50 The Art of Long-Term Investing 08:54 Lessons for a Successful Retirement 09:56 Market Volatility 11:56 Roth Conversion 19:49 Honorable Mentions: Battle of the Plans 22:05 Honorable Mentions: Insights from Where the Money Is 23:59 Honorable Mentions: How to Improve Investment Performance 25:10 Honorable Mentions: Lessons for a Successful Retirement 27:02 Honorable Mentions: Roth Conversion Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals.

In this episode, Roshan and Adrian explore Peter Lynch's 25 golden rules for investing, starting with a discussion on research and speculative investing pitfalls. They delve into Lynch's timeless principles, highlighting the importance of understanding companies and industries, and contrarian strategies. They offer valuable insights for investors of all levels, concluding with a reflection on the correlation between company success and stock performance, emphasizing informed decision-making in the investment world. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing Chapters 00:00 Introduction and Excitement about Peter Lynch's 25 Golden Rules 02:01 Investing is Fun and Exciting, but Dangerous if You Don't Do Any Work 06:12 Your Investor's Edge is Not Something You Get from Wall Street Experts 11:13 Ignoring the Herd Can Help Amateur Investors Beat the Market 13:44 Behind Every Stock is a Company, Find Out What It's Doing 21:42 Know What You Own and Why You Own It 24:39 Long Shots Almost Always Miss the Mark 25:04 Long Shots and Risk-Reward 26:40 Owning Stocks and Position Sizing 27:22 Diversification and Concentration 28:21 Finding Attractive Companies 29:47 Understanding Company Finances 33:47 Investing in Troubled Industries 44:36 Waiting for Small Companies to Turn Profitable 48:57 Avoiding Hot Stocks and Industries 51:29 Investing in Troubled Industries All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals.

In this episode, Roshan Loungani and Adrian Nicholson discuss Warren Buffett's annual letter and the key takeaways from it. They highlight the importance of Munger's advice to Buffett, which led to a shift in this investment strategy. They emphasize the value of focusing on business quality rather than price alone. The hosts also discuss the significance of patience and avoiding permanent loss of capital in investing. They stress the importance of ignoring market pundits and making sound investment decisions. Additionally, they discuss Berkshire Hathaway's strengths and its ability to take advantage of market declines. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing Takeaways Focus on business quality rather than price alone. Be patient and avoid permanent loss of capital. Ignore market pundits and avoid speculation. Minimize risk and optimize returns. Chapters 00:00 Introduction 01:09 Buffett's Annual Letter and Munger's Advice 04:57 Patience and Avoiding Permanent Loss of Capital 07:48 Looking for Strong Businesses 08:35 Avoiding Permanent Loss of Capital 09:45 Never Risk a Permanent Loss of Capital 10:29 Ignoring the Pundits 12:25 Long-Term Focus and Avoiding Market Speculation 15:11 Finding Good Businesses and Holding Onto Them 25:16 Berkshire Hathaway's Strengths and Resilience 29:54 Taking Advantage of Market Declines 31:24 Avoiding Feverish Activity and Serious Mistakes 36:14 Minimizing Risk and Optimizing Returns 39:31 Conclusion   All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals

In this episode, Roshan and Adrian discuss the foundational steps to take when planning for your financial future. They cover topics such as saving in a 401k to the match, building cash and paying off consumer debt, insurance needs, home down payment, education savings, and retirement savings. They emphasize the importance of setting goals, managing cash flow, and being tax-efficient in your investments. By following these steps, you can build a solid financial foundation and achieve your long-term goals. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing Chapters 00:00 Introduction 01:27 Building a Financial Foundation 04:19 Saving in a 401k to the Match 14:28 Building Cash and Paying off Consumer Debt 19:19 Insurance Needs 23:45 Home Down Payment 25:20 Education Savings 30:16 Retirement Savings 35:34 Conclusion All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professionals

In this episode, Roshan and Adrian discuss the potential opportunities and challenges of investing in small cap stocks. They start by reviewing the performance of small caps in 2023 and the factors that have contributed to their underperformance. They then explore the potential catalysts that could drive small cap stocks in the upcoming year, such as interest rate cuts and favorable valuations. The hosts also discuss the risks and challenges associated with investing in small caps, including volatility and the need for thorough research. They provide insights on how to evaluate small cap stocks and different ways to implement small cap investments, such as individual stocks, mutual funds, or ETFs. The episode concludes with a reminder to do thorough research and seek professional advice before making investment decisions. Chapters 00:00 Introduction and Topic Overview 01:55 Performance of Small Cap Stocks in 2023 04:04 Factors Affecting Small Cap Performance 05:22 Opportunities for Small Cap Stocks 08:28 Considerations for Investing in Small Cap Stocks 09:24 Valuation and Catalysts for Small Cap Stocks 11:33 Potential Risks and Challenges 12:26 Expert Opinions on Small Cap Stocks 15:54 Key Metrics for Evaluating Small Cap Stocks 20:15 Implementing Small Cap Investments 21:58 Conclusion and Actionable Insights 26:48 Closing Remarks Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode, Roshan and Adrian explore critical thinking's significance in personal and professional spheres, defining it as the ability to analyze information for informed decisions. They delve into enhancing critical thinking through continuous learning, exposure to diverse perspectives, and address the impact of technology, emphasizing the importance of intentional thinking in a stimulus-filled world. Chapters: 00:00 Introduction and Discussion Topic 02:53 Definition of Critical Thinking 04:04 Importance of Critical Thinking in Personal and Professional Life 05:34 Ways to Improve Critical Thinking 08:31 Challenges to Critical Thinking 10:59 The Impact of Technology on Critical Thinking 12:35 Critical Thinking in Social Settings and Relationships 14:16 Tips for Improving Critical Thinking 21:34 Additional Tips for Improving Critical Thinking 27:38 Conclusion and Importance of Time to Think Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode, the hosts discuss the bull and bear case for the markets in 2024. The bull case includes factors such as potential rate cuts, momentum from the previous year, and continued growth in the tech and consumer discretionary sectors. On the other hand, the bear case highlights concerns about back-to-back big years, uncertainty surrounding elections, and potential inflationary risks. 00:00 Introduction and Holiday Season 01:50 Topic: Bull and Bear Case for the Markets 02:43 Bull Case: Rate Cuts and Momentum 04:28 Bear Case: Back-to-Back Big Years 07:05 Bull Case: Continued Momentum in Tech and Consumer Discretionary 07:34 Bull Case: Lower Borrowing Costs and Shift to Stocks 09:21 Bull Case: No Recession and Soft Landing 10:24 Bear Case: Uncertainty of Elections 11:31 Bear Case: Fear of the Unknown and Unpredictability 13:23 Bear Case: Rolling Recession and Sector-Specific Impact 18:20 Bear Case: Consumer Spending Fatigue and Lack of Resources 21:16 Bear Case: Inflationary Risk and Fed Rate Cuts 24:16 Bear Case: Impact of Tension and Supply Chain Disruption 25:39 Conclusion: Nobody Knows, Long-Term Investing, and Research Augmentation Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson discuss the key events and investment lessons from 2023. They talk about the themes that shaped the investment landscape in 2023, why volatility is an investor’s best friend, and what the stock market taught us in 2023.  [00:00] Introduction [01:36] The Benefits of Becoming a Disciplined Investor [03:16] How Inflation and Rates Set the Tone For 2023 [05:25] Failing Banks and the Available Opportunities [06:52] Why 2023 Was a Big Year for AI [09:52] Things That Helped Us Avoid a Recession in 2023 [10:23] The Crypto Winter is Finally Over [13:15] Rate Hikes and the Bond Market [15:16] What the Stock Market Taught Us in 2023 [18:47] Don’t Fed Watch and Don’t Buy the Hype [23:28] What’s Happening in the Macro-Economic Environment [25:51] Why Volatility is an Investor’s Best Friend [29:53] Investment Lessons Learned in 2023 [33:59] Is Your Liquid Cash Making You Money? [34:58] Own What You Feel Comfortable Owning in Downtimes [38:07] How to Use Options Wisely [41:18] Parting Thoughts Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson discuss the market outlook for 2024. They talk about the opportunities you should look out for in 2024, the benefits of balancing risk with optimism when investing, and whether the S&P 500 is overvalued on a price-to-earnings basis. [00:00] Introduction [01:09] The Benefits of Balancing Risk with Optimism [02:34] Thoughts on Inflation Risk [04:54] Shelter Inflation and the Available Opportunities [07:20] Equities in Large Public Companies [09:11] What Does Margin Expansion Mean? [11:55] Why Cash Rates Look Good [15:37] Bonds and Higher Interest Rates [17:48] The Benefits of Diversifying Your Bond Portfolio [24:35] Thoughts on Potential Credit Risk [28:10] Is the S&P 500 Overvalued on a Price-to-Earnings Basis? [30:36] The Future of Anti-Globalization [34:01] Parting Thoughts Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson go through the 10 seeds of wealth building. They cover the benefits of being frugal, ways to beat inflation, and how to get the most out of compound interest. [00:00] Introduction [02:53] Think Wealth [06:47] Why You Need to Start Being Frugal [08:10] Rich People Stay Rich By Living Like the are Broke [10:57] Wealth is Built on Profit-Ability [15:23] Get Out of Debt [20:35] The Difference Between Good and Bad Debt [23:28] Don't Just Save, Save Urgently [27:25] Consistently Track Your Net Worth [29:26] How to Beat Inflation [31:15] Minimize Risk and Reduce Your Odds of Losing Money [33:32] Taking Advantage of the Power of Compound Interest [35:12] The Average Holding Period of US Stocks in 2022 [39:48] The Ultimate Goal of Being Wealthy [42:11] Parting Thoughts Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson go through the key investing tips for the different stages of life. They cover ways to balance finances in all stages of life, how to get the most out of your peak earning years, and what to do to guarantee a comfortable retirement.  [00:00] Introduction [01:35] Key Investing Tips For Different Stages of Life [03:18] How to Invest When You Start Making Money [06:42] Why You Should Invest In Yourself [10:13] How to Build a Strong Investing Foundation [12:05] Getting the Most Out of Your Peak Earning Years [15:23] Understand That Everybody's Situation is Different [17:57] Investing in the Pre-Retirement Stage [21:51] The Benefits of Consistently Reviewing Your Portfolio [23:00] The Retirement Stage [26:43] Why is Retirement Planning so Important? [30:08] Parting Thoughts Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson review their podcasting journey together. They share the highs and lows of building the Retirement Lifestyle Show, as well as some big news from Erik and what to expect from the podcast in the future. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down Jim Paul and Brendan Moynihan’s book - What I Learned Losing a Million Dollars. They cover the 5 essential elements for successful investing, dealing with losses as an investor, how disciplined consistency can make you a successful investor, and much more. [00:00] Introduction [02:41] Deciding What Type of Investor You Want To Be [05:29] 5 Crucial Steps in a Solid Decision-Making Process [08:11] The Difference Between a Successful and an Unsuccessful Investor [12:27] How to Select Your Preferred Method of Analysis [16:27] Are Controls Important For Successful Investing? [21:58] When to Treat Investing as a Game [23:50] Taking Losses is Part of Investing [27:01] How to Formulate Your Investing Plan [30:17] Control, Stop Price, and Price Objective [34:12] Being Right Versus Being Profitable [37:10] Focus on What the Market is Doing, Not Why the Market is Moving [39:57] Disciplined Consistency is the Key to Success in the Markets [41:29] Parting Thoughts Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson discuss how oil affects inflation and the lifestyle habits that will help you live past 100. They cover topics like the risk of another rate hike coming, and what you can start doing today to become a centenarian. [00:00] Introduction [00:53] Inflation and Oil Prices [03:31] Is There Another Rate Hike Coming? [06:44] The Longevity Secrets From the Blue Zones [09:02] What Are the Blue Zones? [09:43] People Who Live to 100 Share These 12 Lifestyle Patterns [17:17] Ikigai - Finding Your Reasons For Living [22:04] The Benefits of Being Part of a Tribe [23:42] Parting Thoughts  Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down the impact of higher interest rates on people's financial lives. They cover topics like natural market reactions to higher interest rates, the impact of higher rates on American households, and what the Fed is doing to combat inflation.  [00:00] Introduction [01:30] Why the Fed Raises Rates as Fast as They Do [02:32] Impact of Higher Interest Rates at the Household Level [06:00] What to Expect From Mortgages Going Foward [08:03] What Are the Golden Handcuffs? [09:30] Natural Market Reactions to Higher Interest Rates [12:53] Interest Rates and Student Loans [14:22] People Living on a Fixed Income [15:40] How Rising Rates Impact Companies [18:17] The Type of Companies You Should Consider Investing In [21:54] The Current State of Commercial Real Estate [24:30] Do Interest Rates Affect Real Estate Investment Trusts? [26:26] The True Cost of Government Debt [30:41] Parting Thoughts  Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson go through 11 year-end financial planning and investing tips to ensure you end the year on a high. They cover topics like the benefits of having a financial calendar, tax-efficient routes to charitable donations, and things to consider when reviewing your portfolio. [00:00] Introduction [01:22] The Benefits of Reviewing Your Financial Plan [05:37] Why You Need to Start Maximizing Your 401Ks [08:23] Saving Money on Taxes [12:18] Check on Your Health and Insurance Coverage [13:21] Year-End Tax Review [16:20] The Dos and Don'ts of Making Charitable Donations [18:15] Gifting and Financial Planning [20:28] Always Ensure You Have Enough Cash at Hand [25:29] Planning and Reviewing Your RMDs [27:39] The Benefits of Creating a Financial Calendar [28:58] Portfolio Review and Why It's Important [31:04] Parting Thoughts Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson discuss the most essential component of retirement planning. They cover the benefits of planning for retirement, the average life expectancy in the US, and how to ensure you don't outlive your money in retirement. [00:00] Introduction [01:21] Life Expectancy in Retirement Planning [02:47] Quiz on the Average Life Expectancy in the US [06:23] What is Longevity Literacy? [07:56] You Cannot Plan Without a Goal [09:40] Know Retirement Information in Advance [13:39] Preparing For the Later Stages of Your Life [14:56] Healthcare - The Big Retirement Expense [18:10] The Biggest Driver of Retirement Spending [19:19] The Benefits of Planning Your Retirement [21:25] The Longevity Illustrator [25:12] Parting Thoughts Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson debunk 10 conventional beliefs about investing and financial planning. They cover the best time to take Social Security, paying off debt versus investing, what to do when the market is down, and much more. [00:00] Introduction [01:05] Diversify Your Investments [04:20] Understanding Portfolio Diversification [06:09] Wait to Take Social Security [09:37] When the Market is Down, Do Nothing [13:48] You Need a Budget to Determine Your Cash Flow [16:00] You Will Spend Less In Retirement [18:54] Money Will Undermine Your Child’s Work Ethic [21:30] What to Do When Volatility Strikes [23:27] Pay Off Debt Before Saving and Investing [27:37] You Should Always Have a Mortgage [30:24] Practice Doesn’t Always Make Perfect [31:40] Parting Thoughts Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson explore the critical aspects of retirement: uncovering the required savings, sharing inspiring quotes for your journey, and addressing the unforeseen challenge of medical costs. Join us to better prepare for a secure retirement ahead. [00:00] Introduction [01:04] Are We In a Retirement Crisis? [03:17] Consumer Finances For the Average American [06:25] Know Your Number and What You Need to Retire [10:02] The Value of Good Planning For Retirement  [14:40] 5 Catchphrases on How to Take Control of Your Retirement [19:52] The Power of Gratitude [22:01] Learning to Let Go [25:05] Easily Overlooked Categories of Spending [29:45] Breaking Down People's Healthcare Expenses [33:20] What You Need to Retire Comfortably [36:35] Parting Thoughts Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson break down crucial investment takeaways in the recent markets. They cover topics like the timing aspect of investing, how down markets define who you are as an investor, and why fighting the Fed is never a good idea.  [00:00] Introduction [03:13] The Timing Aspect of Investing [07:09] Why You Need to Stop Focusing Too Much on Market Direction [10:38] Wasting Time Researching Markets From the Past [12:38] The Multi-Variant Linear Regression [13:50] Subjective Versus Rule-Based Investing  [16:58] The Benefits of Having Multiple Strategies in Your Portfolio [19:12] How to Add Adaptivity to Your Portfolio [21:27] Stop Putting Yourself on a Clock [26:14] Following the Rules Every time You Invest [32:20] Emotional Attachments to an Investment [35:40] What to do When Concerned About the Markets [37:48] Hedging Versus Going to Cash [41:00] How Down Markets Help Define Who You Are as an Investor [45:17] The Role of a Monetary Policy [47:06] Remember, Don't Fight the Fed [50:11] Parting Thoughts Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani welcomes back Jill Myers to the podcast. Jill is an integrative nutrition health coach whose work addresses overlooked health aspects to facilitate people’s optimal health and well-being. They break down the five most important tools for your self-care tool kit.   The information shared in "The 5 Tools For Your Self-Care Toolkit" podcast is for educational purposes only and is not medical advice. Consult a healthcare professional for personalized guidance. [00:00] Introduction [00:53] Investing in Your Health and Wellness [04:36] Learning to Breathe [06:55] One-Minute Live Breathing Exercise [10:58] Can Breathing Fix Your Sleeping Issues? [12:28] The Benefits of Proper Hydration [17:30] Lemon Water Versus Regular Water First Thing in the Morning [18:44] The Food That We Eat [24:00] How to Help Your Body Prepare For Digestion [27:07] The Problem with Eating Too Fast [28:40] Functional Movement For Health and Wellness [33:40] The 3 Most Important Functional Movements [36:30] Movement For Flexibility [38:27] Health-Span Versus Lifespan  [40:16] Ways to Reset Your Mind and Shift Your Perspective [46:38] How to Move From Pessimistic to Optimistic Thinking [51:02] Live a Life of Gratitude [53:09] What to Expect From Jill’s Coaching Program  [58:00] Parting Thoughts  The 5 Tools For Your Self-Care Toolkit 1. Learning to Breathe We all breathe to survive, but most people don’t breathe intentionally. According to Jill, mindful breathing and bringing your attention to the present can help break the pattern of negative, stressful thoughts by evoking a relaxation response. 2. Proper Hydration A lot of us live our lives in a dehydrated state. Jill explains that staying hydrated is one of the best things you can do for your overall health. Simply drinking at least eight cups of water a day can help support physical performance, prevent constipation, regulate our temperature, lubricate joints, and protect organs and tissues. However, too much water can also be a bad thing.  3. The Food That We Eat Food is an essential component of the self-care kit. Your goal should be to focus on eating well. Staying away from processed foods, including sugar, is key. 4. Functional Movements For Health Not only does exercise improve your physical health, but it also helps improve your mental state over time. 5. Reset Your Mind. You are what you think. The energy you send out – your thoughts, words, and feelings – creates your experience. Your thoughts are the only thing standing in your way. They are your biggest blocks. So look at them – are they true, or do you have false thoughts on repeat? Links and Resources Jill’s LinkedIn The Yodaya Wellness Website Jill’s Instagram FutureLink Jill’s past appearances on the podcast Check out the Retire with Roshan website, the Retire with Roshan Facebook page, Roshan’s Twitter, Roshan’s LinkedIn, Erik’s LinkedIn, and Adrian’s LinkedIn. All opinions expressed by podcast hosts and guests are solely their own. While based on information that they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only, and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down 5 investing megatrends. They cover topics like the current state of the banking industry, what an aging population means to your investments, and why it’s the perfect time to reassess your portfolio. [00:00] Introduction [01:45] Digital Disruption and AI [05:17] Reasses, Rebalance Your Portfolio [06:27] What is the Rate Hiking Cycle? [08:06] We Are Headed Towards a Fragmenting World [10:20] Outside Forces Affecting Your Investments [12:45] The Low Carbon Transition [15:50] Economic Issues of an Aging Population [19:14] What's Going On with Banks [21:15] Bonds - Higher Rates and Historical Averages [25:19] Summary [27:42] Parting Thoughts  Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.