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For more than 20 years, the Simply Money radio show has provided straightforward and entertaining explanations of how the economy and stock market affect your wealth. Join Allworth advisors Bob Sponseller and Brian James from our Cincinnati team as they offer unique financial perspectives—along with smart tax and estate planning strategies—to help you make the most of your money.The information presented is for educational purposes only and is not intended to be a comprehensive analysis of the topics discussed. It should not be interpreted as personalized investment advice or relied upon as such. The information is not intended to convey any implicit or explicit guarantee or sense of assurance that, if followed, any investment strategies referenced will produce a positive or desired outcome. All investments involve risk, including the potential loss of principal. There can be no assurance that any investment strategy or decision will achieve its intended objectives or result in a positive return. It is important to carefully consider your investment goals, risk tolerance, and seek professional advice before making any investment decisions.

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Check latest episodes from Simply Money podcast

Simply Money presented by Allworth Financial

2026/02/03

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore a surprising truth: being intelligent doesn’t protect you from making poor financial decisions. In fact, sometimes it makes things worse. They uncover the hidden forces—confirmation bias, inertia, overconfidence—that trip up even the savviest investors, especially those who’ve accumulated real wealth. Learn why building systems and seeking second opinions is essential if you’re in the $2-10 million net worth range. Plus, they examine the looming retirement fears of Generation X, including healthcare costs and long-term care. See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial

2026/02/03

See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial

2026/02/03

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why retirement today looks nothing like it did for previous generations. From skyrocketing healthcare costs and longer lifespans to new tax law changes and the growing complexity of managing large retirement accounts, they explore how to truly prepare for this new era. They explain why many retirees are still working—not out of necessity, but by choice—and why high-net-worth families need to be especially cautious about rollovers and planning for long-term care. Plus, how psychological hurdles might be the biggest retirement challenge of all. See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial

2026/02/03

On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into a major shakeup at the Federal Reserve as a new nominee emerges to potentially lead the Fed—and why that news sent shockwaves through gold, silver, crypto, and currency markets. Allworth Chief Investment Officer Andy Stout joins the show to break down what a Kevin Warsh–led Fed could mean for interest rates, the Fed’s massive balance sheet, and long-term investors trying to navigate volatility. The guys also tackle growing concerns about a potential “lost decade” for stock returns, what history tells us about flat markets, and how smart planning—not panic—helps protect your retirement. Plus, they explore when real estate becomes too much of a good thing, answer nuanced listener questions around taxes, trusts, and retirement income strategies, and close with a timely Groundhog Day reminder on why repeating the same financial habits can quietly hold you back See omnystudio.com/listener for privacy information.

Simply Money Presented by Allworth Financial

2026/01/30

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Federal Reserve’s decision to hold interest rates steady and what it means for high-net-worth investors in 2026. They unpack the surprising drop in consumer confidence despite strong economic indicators, and analyze the growing risk of a government shutdown. Plus, how “Roaring Kitty” and the GameStop saga empowered retail investors – and what that could mean for your portfolio. The guys also answer listener questions on Roth conversions, skyrocketing RMDs, and managing early retirement health insurance. Finally, cybersecurity expert Dave Hatter joins to explain why your inbox might be the weakest link in your financial life. See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial

2026/01/30

On this episode of Simply Money presented by Allworth Financial, Bob and Brian go inside the mind of the millionaire. They reveal why wealth isn’t just about what you invest in—it’s about how you think about money. From panic-selling to playing the long game, they break down how successful families approach risk differently. You’ll hear why a comprehensive financial plan beats a bucket of investments every time, how tools like direct indexing and tax-loss harvesting can turn market drops into opportunities, and why emotional decisions can cost you hundreds of thousands. Plus, a word of caution to Cincinnati investors holding too much company stock—yes, we’re talking about P&G. See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial

2026/01/30

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what true wealth in retirement really means, from aligning your spending with your values to making smart pension choices, planning for business succession, and tackling real listener questions about emergencies, uneven expenses, and estate duties. See omnystudio.com/listener for privacy information.

Simply Money Presented by Allworth Financial

2026/01/29

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Simply Money Presented by Allworth Financial

2026/01/29

See omnystudio.com/listener for privacy information.

Simply Money Presented by Allworth Financial

2026/01/28

On this episode of Simply Money presented by Allworth Financial, Bob and Brian share a critical warning for anyone working with a financial advisor—especially if you've never verified their credentials—by breaking down a shocking real-life fraud case and explaining how to protect yourself. They then explore whether gold deserves a place in every investor’s portfolio, offering a measured take that separates fear from smart planning. Next, they go on a “rescue mission” to uncover the risks of neglecting old 401(k) accounts—especially for high-net-worth individuals—and explain how to make them work harder for your retirement. The listener mailbag is full of smart questions, from whether to help your kids with a house down payment, to protecting your portfolio from a bad first year of retirement, to managing concentrated stock positions in a tax-smart way. The show wraps with a must-hear checklist for reviewing life insurance policies you may have forgotten about, and how those dollars could potentially serve a better purpose in your plan today. See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial

2026/01/23

On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into a question every successful saver eventually faces: Are you building the life you want—or just building a bigger balance sheet? They explore the “scoreboard syndrome” that drives high-net-worth individuals to keep chasing higher numbers without knowing why, and share real stories of clients with millions who hesitate to spend even small amounts on meaningful things. From financial perfectionism and lifestyle creep to the pressure of living someone else’s version of success, they challenge listeners to redefine wealth in terms of life satisfaction—not just dollars. See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial

2026/01/23

On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the seven most common financial lies we tell ourselves – from “I’ll be happy when I have more money” to “I’ll figure it out on my own.” These aren’t just small white lies; they’re deeply emotional narratives that can quietly sabotage your financial future. Whether you're navigating lifestyle creep, market timing fears, or generational silence around money, this episode helps you recognize these self-deceptions and replace them with smart, actionable advice. Plus, tips for protecting your finances through divorce, estate planning updates you might have missed, and the growing threat of elder cyber scams. See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial

2026/01/22

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to handle your money when markets get rattled by tariff talk and headline hysteria. With President Trump stirring global conversations in Davos and fresh concerns over trade wars, unrest, and corporate profits, they revisit the fundamentals: staying invested, rebalancing, and using market volatility to your advantage. They also examine tax-loss harvesting, buffered ETFs, and how direct indexing can help high-net-worth investors stay ahead. Plus, a new report shows the average 50-something American now has a net worth over $1 million. But how did they get there—and does it even mean they're ready for retirement? Bob and Brian unpack the wealth-building habits that really matter and the next-level strategies for those with a higher net worth. See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial

2026/01/21

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest tariff threats and why Greenland is suddenly the geopolitical flashpoint the markets didn’t ask for—but got anyway. They dive into whether a volatile global backdrop is reason enough to adjust your investment outlook. Then, they shift to a breakdown of today’s ETF landscape: from classic index funds to sector-specific plays, thematic bets, and buffered strategies—do you actually know what you own? They also explore whether new rules allowing 401(k) withdrawals for home down payments make financial sense and why mutual fund capital gains can mess with your cash flow planning. Plus, real estate expert Michelle Sloan joins the show to answer a common question: renovate or relocate? And as always, Bob and Brian take listener questions, offering Allworth insights on tax-efficient withdrawals, HSA strategy, and how to think smartly about Roth conversions. See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial

2026/01/16

On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the booming world of alternative investments—from gold and crypto to private equity and real estate. Is now the time to diversify beyond stocks and bonds? Plus, what big bank earnings tell us about the economy, what a Cincinnati real estate expert sees in 2026, and how to financially support aging parents without derailing your own retirement. And if you waited until now to think about your 2025 taxes—don’t worry, there’s still time. See omnystudio.com/listener for privacy information.