Decoding Your Money Podcast

The Shiller P/E ratio has climbed to levels rarely seen in modern market history. NYU finance professor Colin Slabach joins Robert Powell to explain what elevated valuations could mean for investors, retirees and younger workers.Topics include:Why the Shiller P/E mattersThe danger of distorted risk toleranceInvesting versus gamblingAsset allocation and investment policy statementsAI's role in portfolio managementRetirement sequence riskInflation and elder fraud

Women May Soon Control Most U.S. Wealth

Artificial intelligence is rapidly changing retirement planning, caregiving and elder care. Chris Heye of Wealthcare joins Robert Powell to discuss how AI may help older adults stay independent longer, improve dementia detection, reduce caregiver burnout and combat fraud. They also explore the risks, including privacy concerns, deepfakes and job displacement.

Most Americans aren’t getting meaningful financial advice. Louis Barajas explains why the system is built for the wealthy, why most plans fail, and how AI could change everything.

High income doesn’t always equal high peace of mind. In this episode of Decoding Your Money, we’re pulling back the curtain on the "High-Earner Trap." If you’ve hit the $500K mark but still feel like you’re on a financial treadmill, this conversation is for you. We’re moving past the basics and diving into the advanced strategies needed to turn a massive paycheck into actual, lasting freedom.Inside this episode, we decode:The Lifestyle Creep Audit: Why your expenses are racing your income—and how to stop the bleed.From Income to Equity: Shifting your focus from what you make to what you own.The "Stress Ceiling": Identifying the specific financial bottlenecks that keep high earners feeling broke.The Next Move: Tactical steps to optimize your taxes, protect your wealth, and start buying back your time.Stop managing your stress and start managing your legacy.Stream Episode 3 now. --- Decoding Your Money is hosted by Robert Powell and powered by FinStream.tv—uncomplicating the complicated so you can make better decisions at every life stage

The retirement rules just changed. In this episode of Decoding Your Money, we break down the 2026 "Roth Mandate" for high earners, the new catch-up contribution limits, and how the SECURE Act 2.0 is shifting the strategy for RMDs.In this episode, you’ll learn:The $145k Rule: Why the IRS is forcing high-income earners into Roth catch-ups.The Age 60-63 Boost: How to maximize the new $7,500 contribution window.RMD Reset: Why 75 is the new magic number for required distributions.Tax Traps: How to avoid the 25% penalty for missed withdrawals.Watch the full video masterclass with all the charts and tax deep-dives on Finstream: 👉 https://www.finstream.tv/

🔥 Episode SummaryIn this eye-opening first episode, Robert Powell breaks down one of the biggest myths in personal finance: that you should save as much as possible for retirement—no matter what.But what if that mindset is actually costing you your life today?Robert challenges the traditional “save everything, spend later” philosophy and introduces a more balanced, strategic approach to money—one that lets you enjoy your life now without sacrificing your future.🧠 What You’ll LearnWhy the traditional retirement model is outdatedThe psychological trap of “never enough” savingsHow over-saving can actually hurt your quality of lifeThe difference between financial security vs. financial fulfillmentHow to create a spending strategy without guiltSmarter ways to allocate money across your lifetime (not just retirement)