Latest Beerandmoney Podcast Episodes
Episode 255 - What Is The Real Rate Of Return You Are Getting?
Beer & Money - June 24, 2024 14:33 - 16 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The conversation delves into the significance of und...
Episode 254 - 4 Unique Ways To Fund Your Child's College Education
Beer & Money - June 17, 2024 12:00 - 19 minutes ★★★★★ - 12 ratingsIn this conversation, Alex Collins discusses different strategies for funding a child's education. He explores the limitations of 529 plans and suggests alternative methods such as using real estate investments, cash value from life insurance policies, and Roth IRAs. The goal is to provide flexi...
Episode 253 - How Will You Be Taxed in Retirement?
Beer & Money - June 10, 2024 14:34 - 20 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The conversation delves into the significance of und...
Episode 252 - How Do Taxes Work?
Beer & Money - June 03, 2024 11:00 - 11 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo discusses tax brackets and how they work. He explains the difference between marginal and effective tax rates and emphasizes the importance of understanding how taxes work when deciding where to put your money. Burklo provides an example of tax brackets for a married...
Episode 251 - The Importance of True Liquidity in Retirement
Beer & Money - May 27, 2024 18:15 - 10 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo discusses the importance of true liquidity in retirement. He explains that while pre-retirement, short-term volatility can be addressed due to a longer time horizon, withdrawals from market-based assets in retirement can compound the effect of market losses and incre...
Episode 250 - What Is Your Net After Tax Return?
Beer & Money - May 20, 2024 13:01 - 17 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo and Alex Collins discuss the taxation component of net after-tax rate of return. They emphasize the importance of understanding the impact of taxes on investment returns over a long period of time. They use a visual representation to show the difference between gross...
Episode 249 - Intentional Fatherhood with Tyler Graham
Beer & Money - May 13, 2024 13:48 - 44 minutes ★★★★★ - 12 ratingsTyler Graham, a coach for dads with young kids, shares his journey and insights on intentional fatherhood. He started posting on LinkedIn about leadership and non-anxious presence, but found that his posts about fatherhood generated more engagement. Tyler emphasizes the importance of creating a ...
Episode 248 - The Importance of Efficient Choices for Future Flexibility
Beer & Money - May 06, 2024 13:26 - 29 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo and Alex Collins discuss the challenge of turning variable assets into a consistent income stream in retirement. They emphasize the importance of making efficient choices today to set oneself up for flexibility in the future. They explore the concept of promised-base...
Episode 247 - The Importance Of Expanding Financial Knowledge Beyond Personal Experiences
Beer & Money - April 29, 2024 14:27 - 23 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo and Alex Collins discuss the importance of expanding financial knowledge beyond personal experiences. They highlight the influence of personal experiences on financial decision-making and the need to seek advice from professionals with broader expertise. The conversa...
Episode 246 - 5 Wealth Objectives That Everyone Wants
Beer & Money - April 22, 2024 14:00 - 24 minutes ★★★★★ - 12 ratingsIn this episode, Ryan and Alex discuss five wealth objectives that everyone has but are often not properly planned for. These objectives include creating the highest possible cashflow, creating the lowest possible tax, never running out of money, meeting legacy objectives, and minimizing risk. T...
Episode 245 - The Single Biggest Factor To Financial Success
Beer & Money - April 15, 2024 13:36 - 14 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo discusses the single biggest factor that contributes to financial success: managing cashflow. He highlights the flawed cashflow management system that most people have, where income increases are often accompanied by lifestyle inflation. Using a 30-year time horizon ...
Episode 244 - Which Asset Class Is The Best?
Beer & Money - April 08, 2024 15:22 - 10 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo discusses investment portfolios and the importance of diversification and asset classes. He introduces a tool for analyzing the performance of different asset classes over a 50-year period. Burklo highlights the potential growth of portfolios invested in asset classe...
Episode 243 - What Are Alternative Investments And Should I Own Them?
Beer & Money - April 01, 2024 13:42 - 27 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo and Alex Collins discuss alternative investments and whether or not they are suitable for individual investors. They define alternative investments as those that do not fall into traditional categories like stocks, bonds, and cash. The hosts explain the concepts of c...
Episode 242 - 4 Factors That Have The Greatest Impact On Financial Success
Beer & Money - March 25, 2024 14:42 - 23 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo discusses the four factors that impact financial success: the amount of wealth, location of wealth, true liquidity ratio, and taxes. He emphasizes the importance of considering these factors when planning for retirement and making financial decisions. Ryan also highl...
Episode 241 - Interview With Estate Planning Attorney Katie Ludwick
Beer & Money - March 18, 2024 13:19 - 49 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo interviews Katie Ludwick, an estate planning attorney, about estate planning. They discuss the potential changes to the federal estate tax, the Washington state estate tax, and the importance of proactive planning. They also explore estate planning techniques for min...
Episode 240 - What 3 Metrics You Should Use To Inspect How Financially Healthy You Are
Beer & Money - March 11, 2024 14:26 - 31 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo and Alex Collins discuss the metrics for analyzing financial health. They introduce the concept of top line being vanity, bottom line being sanity, and cash flow being reality. They emphasize the importance of measuring free cash flow, liquidity, and income protectio...
Episode 239 - The Best Way To Be Your Best
Beer & Money - March 04, 2024 15:05 - 26 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo and Alex Collins discuss the importance of knowing who you don't want to be in order to become the person you want to be. They explore the default path that many people follow and the need to break free from societal expectations. The conversation delves into the def...
Episode 238 - What Is A Good Tool To Track Your Finances?
Beer & Money - February 26, 2024 14:30 - 21 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo and Alex Collins discuss the importance of tracking cash flow and steps to attain financial goals. They emphasize the need to understand abstract goals and how expenses play a role in achieving them. The hosts also highlight the use of technology in tracking expenses...
Episode 237 - Do You Have Fixed Rate Handcuffs?
Beer & Money - February 20, 2024 13:41 - 26 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo and Alex Collins discuss the impact of fixed interest rates on financial decisions. They explore how low interest rates can make people feel trapped in their current situations, whether it's buying a new home or making big purchases like cars. The hosts provide three...
Episode 236 - Why You Don't Plan For Your Finances
Beer & Money - February 12, 2024 14:44 - 18 minutes ★★★★★ - 12 ratingsIn this episode, Ryan and Alex discuss why you don't plan for your finances the way that you should. The beer of the day is Nothing But Hazy by Black Raven Brewing. If you would like to learn more about this beer, please visit their website https://blackravenbrewing.com/pages/on-tap If you ...
Episode 235 - A Formula For Your Vision That You Have Not Heard
Beer & Money - February 05, 2024 14:49 - 9 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo discusses the formula for vision and how it applies to personal finance. He shares his experience with the 75 Hard program and how it has pushed him to think differently about himself and his finances. The formula for vision consists of having a target or goal, a bel...
Episode 235 - Cash Flow Concepts
Beer & Money - January 29, 2024 14:29 - 20 minutes ★★★★★ - 12 ratingsSummary In this episode, Ryan Burklo and Alex Collins discuss the number one problem for most people with their personal finances: cash flow. They explore the default cash flow management system that most people use, where income goes directly into a checking account and expenses are paid from...
Episode 234 - Morning Walks Can Fix Your Finances
Beer & Money - January 22, 2024 14:16 - 10 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo discusses how going for a walk can help improve your finances. He shares his personal experience of struggling to find time for communication with his spouse and how they decided to go for a walk every morning to spend quality time together. This simple routine allow...
Episode 233 - Another Tax Efficient Distribution Method
Beer & Money - January 16, 2024 11:10 - 20 minutes ★★★★★ - 12 ratingsSummary In this episode, Ryan Burklo and Alex Collins continue their discussion on turning assets into income in retirement. They emphasize the importance of understanding this process early on, even if retirement is still far away. The conversation covers various tax reduction strategies, inc...
Episode 232 - Tax Efficient Distribution
Beer & Money - January 08, 2024 15:55 - 32 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo and Alex Collins discuss how money is taxed in retirement. They emphasize the importance of considering both current and future taxation when making financial plans. They provide a historical overview of federal income tax brackets and highlight the impact of major e...
Episode 231 - How Much True Liquidity Do You Have?
Beer & Money - January 02, 2024 15:41 - 24 minutes ★★★★★ - 12 ratingsSummary In this episode, Ryan Burklo and Alex Collins discuss the concept of true liquidity and its importance in retirement planning. They explain that true liquidity goes beyond cash reserves and savings, and involves considering what assets will be accessible and how to turn them into incom...
Episode 230 - What Is Your Investment Philosophy?
Beer & Money - December 27, 2023 15:01 - 30 minutes ★★★★★ - 12 ratingsSummary In this episode, Ryan Burklo and Alex Collins discuss investment philosophy and the different approaches to investing. They cover three main styles: active management, passive management, and structured management. They also touch on the importance of investment structure and aligning ...
Episode 229 - 5 Ways To Build Wealth And Maximize Life
Beer & Money - December 18, 2023 14:27 - 13 minutes ★★★★★ - 12 ratingsIn this episode, Ryan Burklo discusses five ways to build wealth and maximize life. He emphasizes the importance of spending money on items that truly matter, focusing on what can be controlled, protecting income and family's wealth, creating lasting connections with family, and limiting phone u...
Episode 228 - 3 Takeaways From Morgan Housel's New Book "Same As Ever"
Beer & Money - December 11, 2023 15:47 - 25 minutes ★★★★★ - 12 ratingsIn this episode, Ryan and Alex discuss 3 takeaways from Morgan Housel's new book Same As Ever. The beer of the day is Farmhaze IPA from Remlinger Brewery. If you would like to learn more about this beer, please visit their website https://remlingerfarms.com/brewery/ If you would like to lea...
Episode 227 - What Would We Tell Our Moms To Ask If They Were Interviewing Financial Advisors
Beer & Money - December 04, 2023 14:53 - 15 minutes ★★★★★ - 12 ratingsIn this episode, Ryan and Alex discuss the top five things they would tell their moms to ask if they were interviewing financial advisors. The beer of the day is Pitchfork IPA from Remlinger Brewery. If you would like to learn more about this beer, please visit their website https://remlingerf...
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