Money Matters by Allworth Financial

On this week's Money Matters, Scott and Pat discuss the potential long-term consequences of the $1.9 trillion stimulus package.

Scott and Pat advise a caller on how to invest the proceeds from a maturing CD. A 32-year-old woman, who makes $90,000 a year, wants to retire early, and asks if she should prioritize investing in a 401(k) or a brokerage account. A man wants to know if he can use $100,000 from his 401(k) to buy a condo in Thailand. A new grandmother asks how she can invest for her grandkids.

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On this week's Money Matters, Scott and Pat discuss why more cities are paying remote workers to relocate.

Scott and Pat advise a Colorado man with $620,000 in savings who wants to know if he should use a reverse mortgage to buy a home. A caller netted $500,000 from a property sale and asks if he should use the money to pay down his mortgage. A San Diego caller in her 20s who makes $94,000 a year wants to know if she should save to buy a home. Scott and Pat then speak with a man who wonders if he needs a fee-based financial advisor. Finally, a caller asks when the next market crash will occur.

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On this week's Money Matters, Scott and Pat discuss an alleged $1.8 billion Ponzi-like scheme and how unsuspecting investors lost their retirement savings.

Scott and Pat advise a South Carolina caller who asks if he should make a 20% down payment on a house when interest rates are low. A caller asks if he should pay for a bathroom remodel by selling stocks or using a HELOC.  Scott and Pat speak with a caller concerned about the future of bonds. Finally, A former trader, who initially had $800,000 invested in Apple, asks if long-dated call options will help protect his investment.

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On this week's Money Matters, Scott and Pat explain the surge of Special Purpose Acquisition Companies and how it could transfer even more wealth from the middle class to Wall Street.

Scott and Pat advise a Colorado woman with 75% of her retirement savings in equities, who asks if her investments are too aggressive. A military veteran asks if she should purchase four years of service credit for $45,000. Scott and Pat speak with a caller who asks if he should pay down his mortgage balance of $50,000 early. Finally, a caller asks about the tax implications of owning qualified small business stock and restricted stock units.

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On this week's Money Matters, Scott and Pat discuss the free stock trading boom and who will ultimately get hurt.

Scott and Pat speak with a father who wants to help his son by renting a house that his child purchases. A caller asks how he and his fiancé can lower capital gains taxes on two home sales. Finally, a man with a vacation home worth $550,000 asks if he should pay down the mortgage with cash from his IRA.

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On this week's Money Matters, Scott and Pat discuss the scenarios where refinancing a mortgage could hurt your retirement.

Scott and Pat advise a California public employee about when he should take his $735,000 pension. A caller asks if she should cancel her $650 annual premium term life insurance policy. A man asks if the government will eventually tax Roth distributions. A daughter asks how her 86-year-old mother should handle a $647,000 inheritance. Finally, Scott and Pat speak with a husband who wants to know when his wife should take Social Security.

Ask a question by clicking here, or email Scott and Pat at questions@moneymatters.com.

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On this week’s Money Matters, Scott and Pat discuss how listeners can plan for Social Security’s funding crisis, the impact of low-interest rates on public pensions, and what rising government debt could do to our future economy. 

Scott and Pat advise a mother of triplets about how her children should invest gifts of $13,000 from their grandmother. A 33-year-old law enforcement officer asks how Social Security’s Windfall Elimination Provision could affect his future benefit. A caller asks if he should invest in passive or actively managed funds. Finally, Scott and Pat speak with a 24-year-old Coloradan who racked up $42,000 in debt and wants to know how he should handle the loans.

Ask a question by clicking here, or email Scott and Pat at questions@moneymatters.com.

On this week’s Money Matters, Scott and Pat discuss one of their favorite tax-savvy investment strategies and the key factors driving this bull market.

Scott and Pat advise an investor who wants to track his tax obligations on Roth conversions. A Seattle man asks how he can encourage his 61-year-old sister to start saving for retirement. A mother wants to know if her daughter, a student in medical school who overestimated how much she would need for tuition, should return approximately $17,000 that she overborrowed. Scott and Pat speak with a public employee in Illinois who asks how he should consolidate a 457-plan worth $180,000, and an IRA worth $30,000.

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On this week's Money Matters, Scott and Pat discuss how low-interest rates are driving the market and why a Danish bank is offering 20-year mortgages at 0%.  

Scott and Pat advise a marine who wants to save money for his six grandchildren. A Sacramento caller making $110,000 a year asks if he should continue to rent or if he should buy a home. A mother in California asks how Prop 19 will affect her plan to pass her house on to her children. Finally, Scott and Pat speak with a New York caller who wants to help her nephew refinance his $85,000 mortgage.

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On this week's Money Matters, Scott and Pat discuss the stock market’s perplexing surge, how bubbles have historically formed, and how disciplined investors can respond in the meantime.

Scott and Pat advise a law enforcement officer, with a yearly family income of $138,000, about when he can retire. A public school counselor is starting an e-commerce business and asks how she should form her company. Finally, a caller who was recently diagnosed with cancer asks how she can plan for her financial future.

Ask a question by clicking here, or email Scott and Pat at questions@moneymatters.com.

Download and rate our podcast here.