Welcome to The Fiscal Physical Podcast, where financial empowerment meets expert insights! Join host Aaron Hoisington in dynamic conversations with Ryan Nelson, owner of Alchemy Wealth Management and author of "Your Fiscal Physical." Whether you're a finance novice or a seasoned investor, each episode demystifies financial concepts, providing practical tips tailored for every stage of your financial journey. Our engaging discussions aim to make finance accessible and exciting for everyone.
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#72: Money & Relationships: How to Talk About Finances With Your Partner
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22:22Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#71: Cash vs. Credit: When to Use Which for Financial Success
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22:53Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#70: Staying Grounded: How to Avoid Falling for Lifestyle Creep
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21:00Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#69: What Really Matters in Personal Finance (And How to Focus on It)
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19:00Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#68: The Truth About Tariffs: Who Really Pays the Price?
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18:43Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#67: Weathering the Storm: Smart Strategies for Navigating Market Crashes and Recessions. Listener Question Unpacked
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30:27Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#66: Inflation 101: What It Is and Why It Matters
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19:46Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#65: Listener Spotlight: Navigating AI Tools for Smart Investments
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22:35Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#64: Crypto 101: What It Is, How It Began, and Why It Matters
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26:05Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#63: Money Matters: Building Financial Literacy in the Next Generation
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20:40Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#62: From Tuition to Repayment: Demystifying the Student Loan Process
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19:03Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#61: Decoding Business Taxes: What Every Entrepreneur Should Know
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13:17Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#60 Credit Checks Demystified: What They Mean and How They Affect You (Listener Questions Answered)
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22:54Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#59 Tax Savings Simplified: Deductions vs. Credits Demystified
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16:07Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#58 The Psychology of Money: Why We Spend, Save, and Stress
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22:02Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#57 Investment Properties and Taxes: What Every Owner Should Know
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21:58Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#56 Financial Wellness Through Health Coverage: What You Need to Know
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18:46Send us a text Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk If you have suggestions or feedback, please email us at: [email protected] And, as always, STAY THE COURSE!By Aaron & Ryan
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#55 Property and Casualty Insurance Explained: Safeguarding What Matters
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24:05Send us a text Discover how to safeguard your financial future with insights from Ryan Nelson, the perceptive founder of Alchemy Wealth Management. More than just discussing insurance, Ryan shares a personal narrative that underscores how minor mishaps can balloon into major financial setbacks. We'll break down the essentials of property and casual…
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#54 Navigating Investment Choices: Active vs. Passive Investing
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14:23Send us a text Can active investing outpace its passive counterpart, or is the human touch an unnecessary expense? Get ready to explore these intriguing questions with us, Aaron Hoisington and Ryan Nelson, founder of Alchemy Wealth Management, on the Fiscal Physical Podcast. We pull back the curtain on these investment strategies, breaking down the…
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#53 Risk and Reward: A Guide to Modern Portfolio Theory
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20:41Send us a text Curious about how you can harness the power of modern portfolio theory to enhance your financial fitness? On this special year-end edition of the Fiscal Physical Podcast, we promise to unravel the intricacies of diversification and the efficient frontier to help you build a balanced investment portfolio. I’m joined by Ryan Nelson, fo…
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#52 Unlocking Social Security: Benefits, Timing, and Tips
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25:42Send us a text Unlock the secrets to securing your financial future with insights from Ryan Nelson, founder of Alchemy Wealth Management. As our guest, Ryan sheds light on the often misunderstood world of Social Security. Learn why fears of its depletion may be overblown and how the system is actually funded by today's workforce and the Old Age and…
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#51: Securing Your Future: How to Analyze Your Retirement Needs
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20:04Send us a text Unlock the secrets to a fulfilling retirement with our special guest, Ryan Nelson, founder of Alchemy Wealth Management. Ryan joins us to simplify the complex world of retirement needs analysis. Discover the importance of setting clear, personalized retirement goals and learn how they can shape your financial strategies—from selectin…
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#50 Budgeting Basics: Building a Strong Financial Foundation
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20:16Send us a text Budgeting doesn't have to be a burden. Discover the secrets to financial freedom with Ryan Nelson, founder of Alchemy Wealth Management and author of "Your Fiscal Physical." Learn how adopting the right budgeting strategies can be a game-changer for your personal finances. Ryan reveals how budgeting is much more than sheer willpower—…
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#49 Ryan's Interview with Outlier's Edge Podcast
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49:10Send us a text Ryan Nelson takes center stage in this special crossover episode with Outlier's Edge, hosted by Aaron Hoisington. As we navigate Ryan's compelling journey from mechanical engineer to founder of Alchemy Wealth Management, listeners gain a fresh perspective on his methodical approach to financial literacy. Discover how Ryan's experienc…
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#48 Paying Off Debt Made Simple: Strategies That Work
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19:34Send us a text Unlock the secrets to financial freedom with insights from Ryan Nelson, the founder of Alchemy Wealth Management. Discover how you can regain control over your finances by mastering debt payoff strategies. Whether you prefer the empowering momentum of the snowball method or the interest-saving avalanche approach, this episode promise…
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#47 Book Smart: Your Ultimate Guide to Financial Literacy Reads
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20:31Send us a text Want to transform your financial mindset and align your money with your values? Listen as we, Aaron Hoisington and Ryan Nelson, promise to guide you through a treasure trove of financial wisdom. We start off with Ryan's top five book picks, shining a spotlight on "The Total Money Makeover" by Dave Ramsey and "Rich Dad, Poor Dad" by R…
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#46 The Behavior Gap: Why We Invest the Way We Do
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20:10Send us a text Unlock the secrets to bridging the behavior gap and transform your financial decisions with insights from Aaron and Ryan Nelson, the founder of Alchemy Wealth Management. Ryan joins us to explore the fascinating disconnect between the sound choices we know we should make and the emotional responses that often derail us. Discover why …
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#45 The Balancing Act: Supply vs. Demand Simplified
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25:08Send us a text Ever wondered why a flood of rubber ducks would send prices plummeting, or how the price tag on your medication is determined? Tune in to this week's episode of the Fiscal Physical Podcast, where we promise to unravel the mysteries of supply and demand with some surprising twists. We start by demystifying these economic cornerstones,…
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#44 Annuities Uncovered: The Good, the Bad, and the Secure
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21:08Send us a text Unlock the secrets to creating your own pension-like income stream with annuities, guided by our insightful guest, Ryan Nelson, founder of Alchemy Wealth Management and author of "Your Fiscal Physical." Join us as we demystify annuities, exploring their potential to provide a reliable lifetime income, much like a self-created pension…
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#43 Credit Confidence: A Guide to Mastering Your Credit
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18:05Send us a text What if your credit score could be the key to unlocking your financial freedom? This week on the Fiscal Physical Podcast, we promise you'll walk away with a comprehensive understanding of credit and how to master it. You'll discover the critical components of your credit score and learn actionable tips for improving it. We'll break d…
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#42 Life Insurance 101: Ensuring Financial Security
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24:56Send us a text What if understanding life insurance could safeguard your family's future and provide the financial stability you need? Join us on the Fiscal Physical Podcast as we sit down with Ryan Nelson, founder of Alchemy Wealth Management, who demystifies life insurance and its vital role in protecting your loved ones. Ryan explains the nuance…
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#41 Strategic Trusts: Securing Your Financial Future
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18:41Send us a text Ever wondered how financial trusts can simplify your life and secure your assets? In this episode, we promise you'll gain a clear understanding of what trusts are and how they function. Join us as we chat with Ryan Nelson, the founder of Alchemy Wealth Management and author of "Your Fiscal Physical." Ryan breaks down the complexities…
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#40 Securing Your Estate: An In-Depth Look at Probate and Wills
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15:33Send us a text What happens to your assets after you're gone? Join us for our 40th milestone episode of the Fiscal Physical Podcast, where Aaron Hoisington and Ryan Nelson guide you through the essential aspects of wills and the probate process. We'll cut through the legal jargon to provide a clear understanding of how a last will and testament can…
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#39 Preparing for Tomorrow: The Ins and Outs of Long-Term Care
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26:35Send us a text How prepared are you for the inevitable complexities of aging? We kick off this episode by confronting a common oversight: long-term care needs, particularly among individuals in their mid-30s. Ryan Nelson joins us to emphasize the critical importance of early planning. From understanding what Activities of Daily Living (ADLs) entail…
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#38 Paying Off Your House: Should You Do It, How to Decide, and Pros vs Cons
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25:20Send us a text Have you ever wondered whether paying off your house early is the smartest financial move? Join us on the Fiscal Physical Podcast as we sit down with Ryan Nelson, founder of Alchemy Wealth Management, to unravel this age-old dilemma. Through a riveting discussion, Ryan guides us on a journey of assessing personal goals, risk toleranc…
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#37 Tax Gains Harvesting: Explained, Strategies, and Financial Advantages
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16:00Send us a text Can managing your tax liabilities now save you thousands in the future? This week on the Fiscal Physical Podcast, we're joined by Ryan Nelson, the founder of Alchemy Wealth Management, to uncover the strategic world of tax gains harvesting. Ryan breaks down how this often-overlooked tactic can be a game-changer, particularly if you a…
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#36 Tax Loss Harvesting: What It Is, How It Works, and Benefits for Investors
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15:40Send us a text What if you could save a significant amount on your taxes simply by managing your investments more strategically? On this week's episode of the Fiscal Physical Podcast, we welcome Ryan Nelson, founder of Alchemy Wealth Management, to enlighten us about tax loss harvesting—a powerful tool that can help reduce your tax liabilities. Rya…
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#35 Inverted Yield Curves: What Inversion Means, How It Happens, and Its Economic Implications
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21:40Send us a text Can an inverted yield curve truly predict a recession? This week on the Fiscal Physical Podcast, we address one of the most debated topics in economics with clarity and insight. We kick things off with a recap of last week’s discussion on yield curves before diving deep into the phenomenon of inverted yield curves. Using concrete exa…
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#34 Yield Curves: Understanding Yield Curves, Their Functions, and Implications for Investors
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16:02Send us a text Unlock the secrets of the yield curve with financial expert Ryan Nelson, founder of Alchemy Wealth Management and author of "Your Fiscal Physical." Ever wondered why the yield curve is such a hot topic among investors and economists? This episode will clear up the confusion, presenting the yield curve as a straightforward graphical r…
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#33 - The 4% Rule: What is the 4% Rule, who should follow it, and what are the advantages vs risks?
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25:19Send us a text Can you really retire without ever running out of money? Discover the magic behind the 4% rule, a fundamental concept in retirement planning, that's stood the test of time since its inception by Bill Benjen. This episode unpacks the origins and practical uses of the 4% rule, transforming it from a mere withdrawal strategy for retiree…
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#32 - The Rule of 72: What is it, and how can you use it?
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15:28Send us a text Can you really double your investment by simply knowing a single number? On this week's Fiscal Physical Podcast, we unravel the mysteries of the Rule of 72 – a surprisingly straightforward tool that helps you estimate how long it will take for your investments to double, based on the annual rate of return. Last week we tackled the co…
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#31 - Compound Interest: What is Compound Interest, how does it works, and how does it compare to simple interest?
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26:41Send us a text Unlock the secrets to financial growth with Ryan Nelson, founder of Alchemy Wealth Management and author of "Your Fiscal Physical." Ryan breaks down the concept of compound interest through straightforward examples, like how a $10,000 investment at a 10% return can snowball into significant wealth over time. By tuning in, you'll gain…
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#30 - Time in the Market vs. Timing of the Market: Which is more impactful for your long term investing goals?
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24:14Send us a text Staying invested over the long haul isn't just smart—it's essential. This episode breaks down the critical difference between "time in the market" versus "timing the market" through a fascinating case study from Charles Schwab. Meet Peter Perfect, Ashley Action, Rosie Rotten, and Larry Linger—four hypothetical investors whose outcome…
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#29 - Portfolio Re-balancing: What is is, who should consider it, and what are the benefits vs risks?
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17:15Send us a text Have you ever wondered how to keep your financial portfolio in tip-top shape amidst market chaos? Discover the secrets of portfolio rebalancing with Ryan Nelson, the brilliant mind behind Alchemy Wealth Management and the enlightening book "Your Fiscal Physical." Ryan breaks down the art of maintaining balance in your investments thr…
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#28 - When is enough, enough?: How to determine if you need to save more above and beyond your work’s retirement account? | Listener Question
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24:33Send us a text Embark on a financial fitness journey with Ryan Nelson, the brains behind Alchemy Wealth Management, as we traverse the terrain of retirement savings and strategic investing. Whether you're stashing away in a 401(k) or seeking the best ways to leverage a generous employer match, our latest Fiscal Physical Podcast will empower you to …
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#27 - Environment, Social and Governance (ESG): What does it mean to be an ESG investor, does it make sense, what’s the actual impact?
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26:47Send us a text Witness the unraveling of ESG investing's knotted threads as Ryan Nelson from Alchemy Wealth Management joins me to dissect the intricate blend of ethics and economics. Prepare to have your perspective broadened on how environmental, social, and governance factors intersect with your investment portfolio. We venture beyond the buzzwo…
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#26 - Target Date Funds (TDF): What is a target date fund, where are they typically found and who might best be served by using one?
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25:05Send us a text Uncover the secrets of making your golden years shine with financial expert Ryan Nelson, as we delve into the world of Target Date Funds (TDFs). Simplify your retirement planning with our robust discussion on how TDFs work to balance your investment portfolio, adapting as you edge closer to bidding farewell to the 9-to-5 grind. We're…
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#25 - Qualified Charitable Distributions (QCDs): What are QCDs? Who is eligible to take advantage of them and what are their benefits?
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17:23Send us a text Unlock the secrets of philanthropy and tax savings with Ryan Nelson of Alchemy Wealth Management in our silver anniversary episode, where we dissect Qualified Charitable Distributions (QCDs) and their lesser-known benefits. Imagine the satisfaction of supporting your favorite charities while strategically lowering your taxable income…
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#24 - Flexible Spending Account (FSA): What is an FSA, who is eligible and what are the pros vs cons of using one? How do they compare to an HSA?
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19:07Send us a text Unlock the secrets to maximizing your healthcare dollars with Ryan Nelson from Alchemy Wealth Management as he breaks down the intricacies of Flexible Spending Accounts (FSAs), shedding light on this tax-advantaged opportunity. Forget the confusion and frustration of untapped benefits; this episode guarantees you'll walk away with a …
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#23 - Health Savings Account (HSA): What is an HSA, who is eligible and what are the pros vs cons of using one? | Listener Question
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30:30Send us a text Unlock the secrets of Health Savings Accounts with Ryan Nelson and me, as we delve into how HSAs can be a game-changer in your healthcare financial planning. Discover the triple tax advantages that make these accounts a critical asset for both immediate and future medical expenses. We'll guide you through the maze of HSA eligibility …
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