Summary:

A listener asks ”What apps or tech do you use to help manage your finances?”

In part 1 of this two-part show we spoke about budgeting and expenses. In part 2, II talk about:

  • How I use a spreadsheet to track my Investments
  • What is important to track when it comes to investments
  • PersonalCapital: A tool to aggregate investment accounts.
  • Fidelity / Schwab / Vanguard / Other: How free tools from these companies can help but also their limitations.
  • What to do with Credit Cards
  • Why a password manager is important

Find out more about Mike at https://www.mortonfinancialadvice.com and connect at https://www.linkedin.com/in/mwsmorton/

Transcript
Matt:

Welcome to real financial planning broadcast on w K X L and available

Matt:

wherever you get your podcast I'm Matt Robson joined as always by Mike Morton

Matt:

of Morton financial advice and host of financial planning for entrepreneurs

Matt:

A fantastic podcast The Mike Morton

Matt:

podcast Mike

Matt:

welcome back

Mike:

Thanks Matt It's good to be here.

Mike:

I like that You still have

Mike:

a

Mike:

flag

Mike:

up behind You there

Matt:

Well I'm

Matt:

feeling extremely patriotic now an old

Matt:

ways

Matt:

Um you know it's

Mike:

but where's where did you put the kids' artwork?

Mike:

Where did that go Don't tell me you put it it in the in the

Matt:

You know there's there's a story

Matt:

to be had in this And I'm gonna go ahead and tell it real quick I have the same

Matt:

problem that a lot of parents have, which is you have treasured children's

Matt:

artwork What do you do with it after a certain amount time And I was introduced

Matt:

to an app I won't even say the name of it cause I don't want to sued for

Matt:

libel but you people are like, oh, use this app It's great You just take a

Matt:

photo and it'll store it like a filing system you a digital version then you

Matt:

can throw out your doodle Well, I was obsessive and I read the fine print and

Matt:

it turns out that they get intellectual property rights to whatever you

Mike:

holy

Matt:

submit with them which

Matt:

is

Matt:

weird because it means like, well what if your children's

Matt:

artwork includes like selfies?

Matt:

Or like, I don't know really good Or it includes photos Like they own all that

Matt:

up I'm not worried it's gonna end up on a mug but it's like you no longer Own

Matt:

this stuff, and it can be used anywhere throughout the universe commercial

Matt:

purposes or who knows what other purposes including you know they have

Matt:

rights to personal

Matt:

information about The whole thing is weird So anyway

Mike:

How long.

Mike:

So

Mike:

speaking of AB which we're talking about today, but I'm curious,

Mike:

how long was the legalese

Mike:

document that you read through

Matt:

it it was long but I what I did

Matt:

is

Matt:

I scanned

Matt:

down to personal information which was like section four So you know, like I to

Matt:

the good stuff It wasn't like a situation where the You sign the iTunes user

Matt:

agreement You know they did south park about that where it turns out that you've

Matt:

agreed to attach yourself to other human beings become a human sent iPad Um that's

Matt:

that's not what was going on with this but still, it's just a good reminder as we get

Matt:

it into discussion about apps and tools to use Read the fine print And I I should

Matt:

say, so look, we are answering this is part two of answering a listener question

Matt:

about Hey Mike what apps and tools and planning devices and programs do you use,

Matt:

or do you recommend, or do your clients use to make financial planning and you

Matt:

know all of our financial management in our lives a little bit it easier this is

Matt:

actually a great thing to say, which is Just because we mentioned something you

Matt:

shouldn't skip reading the fine print yourself We're not suggesting that any

Matt:

of these things do cause to sign away the to your kids' artwork or you know to have

Matt:

yourself attached to other human beings become a human centipede But you should

Matt:

always read the print on this stuff right So listener question It's a great listener

Matt:

question about what you use We we've covered what you use for budgeting Let's

Matt:

talk about investments What do you use

Matt:

for

Matt:

investments

Mike:

Yeah so on the investments and this is a good one that you want to

Mike:

track over time Now some people get very obsessive of tracking their investments

Mike:

you know they might check say Daily or hourly where my investment's doing.

Mike:

And then other people, maybe check every five or 10 years.

Mike:

I just booked the money away in my 401k I must have made some choices about where

Mike:

it's going so I've had clients at both ends of those spectrums where it's like,

Mike:

oh, I think I've got stuff in 401ks.

Mike:

I

Mike:

don't know I haven't checked in quite a few few years

Mike:

and then I

Matt:

that in the in our next

Matt:

episode we are gonna talk about that exact

Matt:

theme

Mike:

That's right And then I have people you know who who want to talk

Mike:

stock market and stocks and movements and all that kind of stuff but it is

Mike:

important to track over time And today we're talking about the apps I love

Mike:

tracking your net worth over time.

Mike:

I like doing that once a year I do that in simple spreadsheet So that's

Mike:

really easy Just kind of like write down everything you own and everything you owe

Mike:

I'm not gonna get into net worth today.

Mike:

We'll talk about but stick on the investment So the reason

Mike:

you want to track it is just.

Mike:

you'd like it to go go over time.

Mike:

so that's good.

Mike:

And you also wanna see how you're adding to it and I like to also

Mike:

look at the diversification That's the biggest reason that I'm tracking

Mike:

for myself my own investments.

Mike:

So what what do I use I I actually use a spreadsheet All right For tracking my

Mike:

own investments so I I love I use 'em all the time so it was pretty easy for

Mike:

me to build build my own spreadsheet I have I want to say 4, 5, 6 different

Mike:

accounts Between individual retirement accounts 401ks brokerage accounts

Mike:

might be a couple more than that.

Mike:

And I list all the holdings for each of them in one spreadsheet.

Mike:

So each of those accounts five or six accounts might have five or six things

Mike:

and but they don't change that much over time So once you build it like copy

Mike:

and paste all the ticker symbols and everything and then it rolls up for me

Mike:

I just built a custom spreadsheets to capture , how much I how many I have,

Mike:

how many shares of different things and roll that up into total account values

Mike:

in different asset classes We've talked talked about asset here so while you

Mike:

have an ETF you know that's us large cap And so it's like oh that us large cap.

Mike:

And I have $10,000 in that And that's you know some some percent of my

Mike:

overall portfolio So then what I'm looking at in the spreadsheet is the

Mike:

percent I have in each of those asset

Matt:

Mm

Mike:

And that's what is important to me.

Mike:

And particularly if you wanna know exactly what I do it's a spreadsheet I check it at

Mike:

least quarterly usually about quarterly, maybe once a month Um but quarterly I'll

Mike:

go in and take a snapshot of because it's updating in real real time The spreadsheet

Mike:

And so every quarter I go in and take a snapshot of exactly what values I have in

Mike:

all those different accounts and all that stuff and save that so I can see quarter

Mike:

to quarter, my progress and that's what

Mike:

I

Mike:

do for my own investments

Matt:

Well that

Matt:

resonates for me because I do something kind of similar myself although with

Matt:

a slightly different use which is I concerned And again I I was I was kind

Matt:

of being tongue and cheek kind not when I said we are gonna talk about the topic

Matt:

of What if you have a lot of how many is too many That, that is a theme for

Matt:

an upcoming show because I think for a lot of people nowadays people hold

Matt:

average of last time I checked this it was jobs in your career Many jobs have

Matt:

different kinds of benefits that go them them You might have a 401k you might.

Matt:

have some kind of You might you focus You love your clientele or entrepreneurs they

Matt:

might have stock options or incentives and so you might have stock that vests

Matt:

at a certain point so you might have far lung accounts the major one of The

Matt:

major uses of keeping some kind of a tracker somewhere is so that if you get

Matt:

hit by a bus your next of kin knows what you actually own and can benefit from

Matt:

it Like I'm not saying I have a lot of money We do not Hey thieves out there

Matt:

It's not worth it Believe me but I want my kids to get everything that we do have

Matt:

And you my spouse may not be of it So anyway So spreadsheet is a good option.

Matt:

What if people are just that's not their jam are there tools or

Matt:

like bank tools that are kind of prefab that are

Mike:

Yep Yeah, there's a couple there's a couple other options, but let me also

Mike:

mention I love That you that use case but make sure cuz usually it is one partner

Mike:

That's keep you know keeping track of more of the

Matt:

Right for

Matt:

polygamous

Matt:

people There's a whole other

Matt:

system that recommend We're gonna do an episode on that I'm joking

Mike:

That's right

Matt:

for my wife's sake

Matt:

please

Mike:

so definitely Yeah Yeah Yeah Yeah that'll be the

Mike:

Twitter feed for this episode

Matt:

I promise this episode will blow up If tease

Matt:

online that it's like have multiple Here's

Matt:

how

Matt:

you

Matt:

do your financial planning

Mike:

here's how you do do your financial

Mike:

planning that's right Okay Anyway , So I do agree.

Mike:

That's a great use case.

Mike:

You want to to have everything written down right for the other person to

Mike:

find but the other place for that really is gonna be in your estate planning

Mike:

So make sure in your estate documents there should be like a cover page that

Mike:

has your wishes, in English, know cuz the the estate planted documents are

Mike:

usually a lot of legalese and then also just list your accounts right there You

Mike:

know that's so Helpful And for anybody that's gone through a estate planning

Mike:

or thinking about it just make sure to list everything because trust me if you

Mike:

are are not around and someone's is your and picking up all the pieces having a

Mike:

page or two just with some organizational

Mike:

information

Mike:

is gonna

Mike:

make life way better

Matt:

Yes So

Matt:

right

Mike:

so

Mike:

so that's a good use case All right Other tools people that don't

Mike:

wanna

Mike:

spreadsheets come on we don't want to use spreadsheets

Matt:

thanks for nothing

Mike:

Thanks for nothing Yeah So one I've used in the past is called

Mike:

personal personal capital and I haven't checked them out recently.

Mike:

That was a while ago I know they've morphed a little bit but I think it's

Mike:

still a pretty pretty good platform for combining investment accounts

Mike:

from different Institutions So you got like a 401k over, fidelity and

Mike:

you got brokerage over at Schwab and you got something at Vanguard Like

Mike:

you want to consolidate all that.

Mike:

That's kind kind the point of or one point I wanna mention around

Mike:

tracking investments It's not really individual investments.

Mike:

You can track that and follow that and do your your own thing.

Mike:

But really I'm talking about in aggregate you your entire kind of

Mike:

net worth portfolio You want to get a good insight into that because I

Mike:

often find people are either over aggressive but usually they're.

Mike:

Under aggressive usually there's cash kind of in four or five or six different

Mike:

accounts You get your emergency fund of cash You've got you know some CA

Mike:

you know some short term bonds or cash in your 401k and your brokerage.

Mike:

And you're like geez 20 30% of my portfolio is actually just cash you know

Mike:

and maybe maybe that's too high for you so that's why we wanna we wanna aggregate

Mike:

personal will do that There's probably

Mike:

some other ones but

Mike:

that's the only one

Mike:

that I'm

Mike:

familiar with

Matt:

that's you know it is an interesting point just to circle back to you were

Matt:

saying about the prime use case here being by the way use case is like A sort of

Matt:

more technical way of saying how do people use this It's what is it with programmers

Matt:

and

Matt:

engineers It's like you gotta you think you're

Matt:

You think your doctors and lawyers, and you have to say

Matt:

everything in Latin to make it

Matt:

sound sophisticated Anyway

Mike:

that's

Matt:

since one of major ways that might use a tool to track your overall

Matt:

investments is You wanna get a bird's eye view on what you've gotten Again I don't

Matt:

want this to sound Allity we all have so much money It's just this applies to more

Matt:

people than it seems like isn't just for rich folks the average person these days

Matt:

is going to have multiple accounts You're going to have multiple financial because

Matt:

you will have been in multiple jobs.

Matt:

Now you may have had a lot of jobs that Don't have any type of investment or

Matt:

retirement benefit fine, but, chances are, you've had at least more than one or

Matt:

know you something you've set up yourself or, you know, you've got a house or you've

Matt:

got multiple accounts to track And I think what is really hard is Trying to aggregate

Matt:

If you are just using let's say you've got your retirement assets in fidelity

Matt:

and they've got a nice interface you can get a lot of really good information

Matt:

but it's being served to you first of all through their interface And their kind of

Matt:

the way they categorize things And second of all, You're just seeing one slice of

Matt:

the overall picture And so I it does make sense to that you would want some kind

Matt:

of a central place to just get a sense or to be able to give to your financial

Matt:

advisor what the whole picture looks like What's the diversification Right What's

Matt:

the overall of risk set up that you've got And what is your overall net worth

Matt:

Are you I mean for for us personally We were worthless people for a number

Matt:

of years

Mike:

You're Matt

Matt:

Well thanks man

Matt:

thanks man but from a but from a financial standpoint I assure you that

Matt:

we many years for many Because our net liabilities net liabilities were higher

Matt:

than our So you know anyway knowing that knowing that and knowing scale

Matt:

out tip the scale out of that status seems like a to me seems like a valuable

Matt:

enterprise

Mike:

yeah.

Mike:

And you know You want to look at everything because it is important just

Mike:

again building building awareness and understanding and if you haven't done

Mike:

it for a few years or you've never done it and you got a a partner and you

Mike:

got a couple of jobs like who knows, you really don't have insight into

Mike:

those past 401ks Are they aggressive Are they not Are they even invested?

Mike:

I've met so many people that like oh yeah I put money into my individual

Mike:

retirement account I think it's still in cash know this is like years later,

Matt:

Or is it in

Matt:

A managed fund

Matt:

with

Mike:

it's good to

Matt:

Is it right Yeah

Mike:

exactly We talked all about that, so that's really important So I will

Mike:

mention, and then on , using your account fidelity or Schwab and using

Mike:

that aggregator they'll tell you oh, are you on track for retirement There's lots

Mike:

of good tools within there But again as Matt said it's only showing you that

Mike:

slice And that might be if that's most of your net worth then that's great use

Mike:

that tool Fantastic And that's one of the reasons you might look at consolidating

Mike:

but if it's not, if it's 50% of your stuff cuz your 401k is somewhere else

Mike:

then it's not really really that helpful.

Mike:

It's, not really given in any kind of accurate data That's where

Mike:

where these aggregators be good on the topic of consolidation.

Mike:

I'm sure we'll get to this in our future episode on Do you have too many 401k

Mike:

accounts or too many accounts there are are good reasons for aggregating,

Mike:

accounts of of what I mean transferring oh, I've got an old old 401k Should I

Mike:

transfer that to my IRA at fidelity?

Mike:

Because fidelity has all my other accounts or should I transfer it to

Mike:

Schwab Cuz that's where I do my banking there's good reasons to maybe do that

Mike:

And this would be one of is so that You can get get most your stuff all

Mike:

in one login so you can see and use the tools that that provider's given

Mike:

You

Matt:

You know I I

Matt:

it funny You were mentioning, I was joking being worthless but it is an

Matt:

interesting question because it does change your picture There are now I'm

Matt:

gonna sound like a dork there are sub use cases to knowing exactly your overall

Matt:

net worth is Maybe this is an episode we should do about about net worth you could

Matt:

be in the position where you're going for a loan you're going for a mortgage

Matt:

You wanna you need to have a and I on what is that Or the grim use case we

Matt:

were talking about a moment ago, if you got hit by a bus are you what kind of

Matt:

a financial position is your estate in?

Matt:

So there's just so many reasons why being able to keep track of that makes a ton of

Matt:

sense me And of course the political one I used work for a member of con Congress

Matt:

who heard from economist there's this idea of value Add To goods right Like

Matt:

you take a piece of lumber, you turn it into a piece of furniture it's called

Matt:

value add And in Europe they actually tax it's called a that a value added tax Like

Matt:

when you add value something and this economist was saying , through education

Matt:

you can go through the same process with human capital And he turned that into in

Matt:

political speeches to saying what were we need to do is add value people And it was

Matt:

great pains we tried to tactfully explain to him what you've just said is that all

Matt:

your constituents Are worthless and that what you to do is add value to them.

Matt:

All right.

Matt:

I'm way

Matt:

off

Mike:

And then text them That'd be great

Matt:

right Tax That's what the government does but all right

Matt:

Let's you mentioned cards a minute ago.

Matt:

Let's cover credit quickly Any

Matt:

tools you use

Mike:

Yeah before we get, before we get credit cards, one thing I wanted to

Mike:

mention that I I really like a tool is called M one finance And I ran across this

Mike:

a couple years ago M one people can check it out, but what I like about it, it's

Mike:

a kind of of like a brokerage, where you can put money there into retirement like

Mike:

an individual retirement account or just a right brokerage account And what's cool.

Mike:

about it neat is using technology to make your own robo advisor Is basically

Mike:

it is So instead of like using wealth front or betterment and just their

Mike:

models which you can pick, some of the different models and kind of tweak them

Mike:

you can a a hundred percent make your own and say I I want to this $10,000 into

Mike:

these five stocks at these percentages

Mike:

and then, , do that just automatically click of a button so you can make your

Mike:

own portfolios and the robot M one finance will update it when you add

Mike:

more money or subtract money it'll automatically rebalance And this is

Mike:

a pretty interesting one I I use it Here's a use case here's how I use M

Mike:

to finance for kids money for the future So I I wanna provide my kids a

Mike:

little bit of cushion or something.

Mike:

Maybe they want a down payment for a house in 15 years So I'm adding

Mike:

a few bucks a month into a portfolio That I've set up an M one finance and

Mike:

every time few bucks roll in there, it automatically rebalances it buys

Mike:

whatever is low and I've set up a portfolio That's a long term portfolio

Mike:

for the far future So I was able to tweak, exactly which ETFs I wanted in there.

Mike:

And then as I add money to it it automatically rebalances So that's

Mike:

just just a good tool I found pretty interesting with technologies

Mike:

you know Matt mean everything just moving lightning speed.

Mike:

, so that's a a really good one that I thought was using robots

Mike:

and computers

Mike:

in a

Mike:

really

Matt:

one Okay That's cool all right Yeah Credit

Matt:

cards

Matt:

alright Yeah Credit cards

Mike:

So credit cards we talked about it a little bit You only wanna make you

Mike:

are paying off your credit card every month and so that's the the important

Mike:

thing here, uh particular, what do I use?

Mike:

I'm not a credit card hacking person.

Mike:

I do not like trying to find the best deals and rotate my credit cards

Mike:

and try to get ones to and track the points like drives me nuts so I

Mike:

got a very simple through fidelity.

Mike:

I use fidelity for some of of my accounts And so I got a simple like one

Mike:

and a percent cash back That just goes straight into my fidelity account Super

Mike:

easy no problem So that's what I use for my main one of my main credit cards

Mike:

is fidelity and then my other credit card is through chase and I like their

Mike:

interface a lot and they have some good credit cards That's actually my

Mike:

business credit card they usually run some pretty good promotional points.

Mike:

This one does cost money, so I don't necessarily recommend it but I think

Mike:

when I got it it's got an annual fee the chase card I think think I have

Mike:

the Sapphire chase Sapphire card It's like a hundred bucks a year.

Mike:

So I I don't really recommend that you don't wanna be paying for

Mike:

your credit card but this this one gave me sort of a thousand bucks

Mike:

when I I signed up for it So I was like, eh, I I just kind of went it for that

Mike:

one , getting the that rewards up front I am paying a fee now, so I want very

Mike:

cognizant of that aware that I'm paying $100 a year for the privilege of using

Mike:

that credit card So I have to make sure the points are whatever's gonna be good

Mike:

ongoing or I I might make a switch but those two Those are the two in terms of

Mike:

credit cards that I personally use So the apps I'm going into chase I'm going

Mike:

into fidelity and monitoring that.

Mike:

But really all I'm doing is making sure the auto pay is set and

Mike:

making sure I have enough money in

Mike:

my

Mike:

checking account that when the auto auto

Mike:

pay kicks

Mike:

in

Matt:

Right And you and that's I I think a lot of what was embedded in the listener

Matt:

question is is the interface easy Does it make your planning easier to do And

Matt:

it sounds like with of those it's yes.

Matt:

As long you set up the auto pay

Matt:

Is easy to do

Mike:

Yeah.

Mike:

That's the really thing Just making whatever set the autopay Now I did

Mike:

wanna mention in , on financial planning because is what I do with clients of

Mike:

course, is , we've talked about Budgeting investment, you know tracking investments,

Mike:

tracking your budget, sure you're paying off your credit card looking at your

Mike:

net worth Well we combine all of that and try to predict the future because

Mike:

people want to know am I I doing the right things am I setting myself up for

Mike:

success five years from now 10 years from now 30 years from now how should

Mike:

I doing things And so We use financial planning planning software to predict

Mike:

that future and say like well on the the road you're on with your income and

Mike:

expenses and savings and investing Here's what what it might your value of of your

Mike:

accounts At some point in the future And so so I use financial planning software

Mike:

software There's a bunch of 'em out there.

Mike:

I use one called right capital so people can look it up but these are.

Mike:

Really geared towards financial advisors right So financial advisors would use

Mike:

this platform to model the future with their clients And then the clients can

Mike:

see the reports or have access I really like write capital because my clients

Mike:

can log log in and , play with scenarios themselves What if I wanna retire Or

Mike:

what if I spend a little bit less What if I wanna spend a little bit more

Mike:

there's all all kinds of dials stuff It makes it very easy for them to go in but

Mike:

I'm not aware in terms of that I think there are some tools out there but I

Mike:

just don't know So maybe some listeners can tell us where you can do that kind

Mike:

of thing on own financial planning software predicting income investments

Mike:

expenses throughout time and see,

Mike:

How likely

Mike:

are

Mike:

you to be able to retire

Mike:

the the way you want

Matt:

I've used

Matt:

some of the

Matt:

online myself Just to get a quick sketch of like if I were to save 10%

Matt:

more given a bunch assumptions where would I be at I've actually found those

Matt:

to be pretty useful for just ball parking Not that they're necessarily right they

Matt:

just you can plug in A lot of the basic assumptions of like social security

Matt:

What percent are gonna earn every year on investments how much income what

Matt:

level of spending should expect in retirement And it's not so much that,

Matt:

obviously math is math but it's not so much that each of those answers is

Matt:

precisely right It's being able to compare different scenarios that I find useful

Mike:

That's exactly

Mike:

right and I wanna pause Matt, because that's exactly it's comparing the

Mike:

different ideas of what you could do And in our minds we cannot pull all that

Mike:

together our brain cannot process All those inputs and and calculations and

Mike:

through time So by looking at the software and changing a toggle what if I want to

Mike:

retire four years earlier How much less do I need to spend throughout retirement

Mike:

now you have sort of an answer to that question in a ballpark you know know

Mike:

in a range but like an answer that you can you can have fruitful conversations

Mike:

now in comparing you know should we do

Matt:

Right And it's also to me in terms of sensitivities again all kinds of

Matt:

assumptions in this sensitivities know you have different things you could in

Matt:

this but a little bit more you have you could do You could save a little bit go

Matt:

for a higher paying job go for a higher Well you could figure out how sensitive

Matt:

it mean in terms of your lifestyle , you could figure out how sensitive out well

Matt:

actually, if you save a little bit more, you have the it turns out well actually

Matt:

if you the job but you don't want and and it helps you to make decisions like that

Matt:

A lot of that stuff is available you to make decisions like Hey we've got about

Matt:

30 seconds You had one more can Google it Hey we've got about 30 seconds You

Matt:

had one more point that I found really valuable in here which is everyone should

Matt:

have password protection these days What

Matt:

do you

Mike:

Yeah, I think password Yeah I think password protection is critical These

Mike:

days I use one, password the number one and then password is good pass is good.

Mike:

There's other ones that are great it's critical going it's critical going back

Mike:

to our estate planning and having partners and a Put I put put I put everything

Mike:

into that password manager because again if something were to happen to me

Mike:

then all of my account information and logins and everything are all place

Mike:

For someone to

Mike:

be

Mike:

able

Matt:

it seems

Matt:

like

Matt:

a small point It's really not nowadays All right Mike Morton Wow

Matt:

We covered a lot of ground really not nowadays All right Mike Morton

Matt:

Wow We covered a lot of ground here.

Matt:

Great listener question Thanks so

Mike:

Matt

Matt:

us through it

Mike:

Matt

Mike:

Thanks for joining us on financial planning for entrepreneurs.

Mike:

If you like, what you heard, please subscribe to and rate the podcast on

Mike:

Apple iTunes, Google play Spotify, or wherever you get your podcasts.

Mike:

You can connect with me on linkedin or mortonfinancialadvice.com.

Mike:

I'd love to get your feedback.

Mike:

If you have a comment or question, please email me at

Mike:

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Subscribe to my podcast

Apple Logo for Morton's Podcast about Financial Planning on Apple Podcasts
Google Logo for Morton Financial Advice's Podcast on Google Podcasts
Spotify Logo for Morton's Podcast about Financial Planning and Wealth Management on Spotify
Stitcher Logo for Morton's Podcast about Wealth Management on Stitcher