『Financial Symmetry: Balancing Today with Retirement』のカバーアート

Financial Symmetry: Balancing Today with Retirement

Financial Symmetry: Balancing Today with Retirement

著者： Chad Smith CFP® and Mike Eklund CFP®
無料で聴く

今ならプレミアムプランが3カ月 月額99円

2026年5月12日まで。4か月目以降は月額1,500円で自動更新します。

概要

 When considering retirement, do you wonder what financial opportunities you may be missing? Busy lives take over and years pass without taking advantage. In this retirement podcast, the Financial Symmetry advisors unveil financial opportunities, to help you balance enjoying today so you are ready to retire later. By day, they are fiduciary fee-only financial advisors who answer questions about tax savings, investment decisions, and how to save more. If you've been putting off your financial to-do list or are just not sure what you've been missing, subscribe to the show and learn more at www.financialsymmetry.com. Financial Symmetry is a Raleigh Financial Advisor. Proudly serving clients in the Triangle of North Carolina for over 20 years. マネジメント マネジメント・リーダーシップ 個人ファイナンス 経済学
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  • How Your Money Scripts Impact Your Path to Financial Freedom, Ep #256

    How Your Money Scripts Impact Your Path to Financial Freedom, Ep #256
    2026/03/30
    Financial independence isn't just about hitting a certain net worth or reaching a magic retirement number, it's a personal journey shaped by your habits, values, and the emotional baggage that money can carry. In this episode of the Financial Symmetry Show, we dig into Morgan Housel's "The Art of Spending Money," exploring the spectrum from financial dependence to independence. The Financial Independence Spectrum The path to financial independence isn't a straight line, nor is it solely defined by the size of your bank account. You could have a net worth of $10 million, $20 million, or more and still be fully financially dependent—perhaps on an employer, a board, or circumstances outside your control. Morgan Housel's framework outlines 15 levels of financial dependence and independence. Where you fall on this spectrum is shaped as much by your comfort zone, habits, and attitudes toward spending and saving as by your net worth. Someone making several million a year could feel just as constrained as someone living paycheck to paycheck if their spending or obligations keep them tethered to external demands. The Psychology of Spending The art of managing your finances goes far beyond crunching numbers. It requires conscious reflection on your spending habits and your emotional relationship with money. This is where the idea of "money scripts" comes in—subconscious beliefs and habits inherited from our upbringing or past experiences. These scripts can keep us locked in certain behaviors, such as an aversion to debt or an urge to accumulate at all costs, even if we've "outgrown" the underlying need that sparked them. Moving up the independence scale may require challenging these scripts and redefining what financial comfort means to you. Rethinking Wealth: The Value of Unspent Money A powerful theme from Housel's book is the idea that money you haven't spent still offers great value—freedom, flexibility, and the ability to shape your life according to your own terms. Unspent money isn't just idle; it buys intangible benefits like independence and control over your time. This view reframes common advice about spending more freely earlier in life or racing to pay off debts—even if it means missing out on long-term growth or flexibility. For many, retaining a mortgage at a low rate or holding investments for future choices can be as empowering as reaching zero debt. The key is striking the right balance between emotional comfort and financial efficiency. Defining Your Independence The episode spends significant time unpacking levels 8–15 of Housel's spectrum—the stages where true autonomy takes shape. At these levels, you're free from the need for outside validation, able to avoid most debt, and no longer dependent on a paycheck to maintain your lifestyle. For some, a "slim" lifestyle and modest spending can deliver just as much security as a vast portfolio, while for others, continued work remains meaningful and fulfilling. At the highest levels, you possess "walk away money"—the resources to exit any situation, disagree respectfully, and pursue your own path without concern for financial repercussions. Define what you want your money to accomplish—not just for yourself, but for your family and community. Where do you fall on the dependence-to-independence spectrum? What would greater independence mean for your life, your family, and your legacy? Start by identifying your current level, reflect on the beliefs holding you back, and explore new, fulfilled ways of using your resources. Outline of This Episode [00:00] Shifting perspectives on retirement spending [04:16] Understanding financial independence levels [08:24] Examining higher levels of independence [15:45] Facing financial fears in retirement [19:34] Rethinking spending habits and goals [20:26] Finding your current level and setting personal targets Resources & People Mentioned The Retirement Podcast Network The Art of Spending Money: Simple Choices for a Richer Life by Morgan Housel Connect With Chad and Allison https://www.financialsymmetry.com/podcast-archive/ Connect on Twitter @csmithraleigh @TeamFSINC Follow Financial Symmetry on Facebook Subscribe To This Podcast Apple Podcasts <> Stitcher <> Google Play
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    21 分
  • How Caregiving Affects Women's Financial Health with Hayley Modlin, Niamh Douglas, and Darian Billingsley, Ep #255

    How Caregiving Affects Women's Financial Health with Hayley Modlin, Niamh Douglas, and Darian Billingsley, Ep #255
    2026/03/06

    As women are living longer than men—on average, 5 to 7 years more—the later decades of life promise opportunities to cherish freedom and fulfillment. Yet, as this International Women's Day episode of the Financial Symmetry Show reveals, these extra years often come with both unique financial challenges and disproportionate caregiving responsibilities. Allison Berger bring together Haley Modlin, Niamh Douglas, and Darian Billingsley to spotlight how the "Give to Gain" theme resonates deeply with women navigating retirement and caring for loved ones.

    We discuss:

    • The Economic Impacts and Cost of Care
    • Employment Factors & the Financial Impact on Women
    • The Impacts to your Financial Plan
    • Tax Implications

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    📰 See the full show notes here

    🌐 Sign up here to receive a detailed pre-retirement checklist to ensure you are positioned to experience your ideal retirement.

    🌐Download 5 Questions You Should Ask a Financial Advisor here
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    24 分
  • Planning for an Unexpected Inheritance in Retirement, Ep #254

    Planning for an Unexpected Inheritance in Retirement, Ep #254
    2026/02/17

    Receiving an unexpected inheritance while already in retirement can spark a mixture of emotions—gratitude, uncertainty, and even a bit of overwhelm.

    In this episode, we dig into the practical and emotional aspects of managing an inheritance, answer common questions, and guide listeners toward making wise and meaningful decisions.

    With over $105 trillion expected to change hands in the coming decades, the need to understand how best to handle inherited wealth has never been more important.

    We discuss:

    • Assessing Your Inheritance: What Did You Actually Receive?
    • Understanding Tax Implications
    • Honoring Family and Planning Ahead
    • Proactive Estate Planning
    • A Helpful Framework To Help Start the Discussion Early

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    📰 See the full show notes here

    🌐 Sign up here to receive a detailed pre-retirement checklist to ensure you are positioned to experience your ideal retirement.

    🌐Download 5 Questions You Should Ask a Financial Advisor here
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    21 分
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