Episodes

In 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...

In 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...

In 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...

In 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...

In 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...

Tyler 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....

In 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...

In 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...

In 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,...

In 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...

In 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...

In 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,...

In 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...

In 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...

In 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...

In 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...

In 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...

In 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...

In 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 If...

In 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...

Summary 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...

In 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...

Summary 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...

In 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...