Episodes

  • #52 Unlocking Social Security: Benefits, Timing, and Tips

    #52 Unlocking Social Security: Benefits, Timing, and Tips
    Dec 24 2024

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    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 Survivor Insurance Trust Fund. Discover the real dynamics behind Social Security and gain a clearer perspective on its sustainability. Ryan also shares practical strategies to maximize your benefits, especially vital as demographic shifts challenge the system's robustness.

    Beyond Social Security, we take you on a fascinating journey through the history of inventions that have transformed our lives, from the humble wheel to modern water filtration systems. Explore the revolutionary impact of these innovations and how they've paved the way for future advancements, especially the technological boom that has changed the way we live and work. Whether you're planning for retirement or simply curious about the evolution of technology, this episode promises to enhance your financial literacy and appreciation for the incredible innovations shaping our world.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    26 mins
  • #51: Securing Your Future: How to Analyze Your Retirement Needs

    #51: Securing Your Future: How to Analyze Your Retirement Needs
    Dec 17 2024

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    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 selecting the right accounts to understanding tax implications. Whether you dream of a modest or lavish retirement lifestyle, Ryan's engaging and practical insights promise to make your financial planning journey more approachable and tailored to your unique aspirations.

    Our conversation takes a refreshing twist as we explore the necessity of adapting your financial plans to life's unpredictable changes, much like the four distinct seasons of Reno, Nevada. As we discuss the charm and lessons of seasonal transitions, we highlight the importance of regular financial check-ins to accommodate life's ebbs and flows, whether they bring unexpected expenses or fortunate windfalls. With Ryan's expertise, this episode encourages a proactive attitude toward financial well-being, inspiring you to appreciate the rhythm and variety of life's financial journey. Join us for an enlightening discussion that blends financial wisdom with life's natural rhythms.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    20 mins
  • #50 Budgeting Basics: Building a Strong Financial Foundation

    #50 Budgeting Basics: Building a Strong Financial Foundation
    Dec 10 2024

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    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—it's about crafting meaningful lifestyle changes that are as sustainable as they are effective. Through the lens of real-world experiences and Fortune 500 strategies, get ready to tackle common pitfalls and the irresistible urge to splurge. This episode is a toolkit for anyone looking to regain control over their financial life without the stress or guilt.

    What if there was a simple shift that could transform your financial habits? Meet the "pay yourself first" method, a strategy that prioritizes your savings and essential expenses the moment your paycheck arrives. Ryan breaks it down with practical examples, showing how this approach can leave you with guilt-free spending money. It's likened to a non-restrictive diet, offering flexibility while ensuring your financial responsibilities are met. As we wrap up, we express our gratitude to our listeners and extend an invitation to subscribe and engage with us. Personal finance is a journey, and we're here to provide the tools, tips, and insights you need every step of the way.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    20 mins
  • #49 Ryan's Interview with Outlier's Edge Podcast

    #49 Ryan's Interview with Outlier's Edge Podcast
    Dec 3 2024

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    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 experience with innovative projects like a groundbreaking solar thermal power plant has shaped his impactful mission in the financial world. His insights promise to inspire you, offering a glimpse into the unique path that led him to challenge norms and champion ethical values in the industry.

    We explore the bedrock of ethical decision-making with a deep dive into the concept of immutable laws. Drawing inspiration from Mike Michalowicz, we uncover five core principles that serve as a compass for both personal and professional life. From radical accountability to active transparency, these laws aren't just business jargon; they are the framework shaping the culture at Alchemy Wealth Management. Through personal stories and thoughtful discussions, we encourage you to assess your own values and consider how they influence your everyday decisions and leadership qualities.

    Passion and purpose are more than just buzzwords—they're the keys to thriving in your career. This episode sheds light on career transitions and the societal perceptions that influence them, particularly in fields like engineering and financial advising. Through the "party test," we challenge you to evaluate your career satisfaction by considering how naturally you speak about your work in social settings. Whether it’s about aligning your work with your passions or embracing your expertise, our conversation emphasizes the value of building authority and fostering a sense of community and confidence in the financial advisory landscape.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    49 mins
  • #48 Paying Off Debt Made Simple: Strategies That Work

    #48 Paying Off Debt Made Simple: Strategies That Work
    Nov 26 2024

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    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 promises to guide you through the pros and cons of each, helping you choose the path best suited to your financial goals. Ryan lends his expertise to demystify these methods and offers invaluable advice on paving your personal road to financial independence.

    But financial success isn't just about numbers. We also explore how prioritizing sleep and exercise can boost your energy and productivity. As hosts, we share our personal experiences of balancing active lifestyles with the demands of parenthood, emphasizing the importance of a consistent sleep routine. We touch on intriguing connections between sleep, heart rate variability, and financial success, hinting at future episodes where we will delve into these correlations. Remember, personal finance is a unique journey, and our insights aim to entertain and inform, not replace personalized professional advice.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    20 mins
  • #47 Book Smart: Your Ultimate Guide to Financial Literacy Reads

    #47 Book Smart: Your Ultimate Guide to Financial Literacy Reads
    Nov 19 2024

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    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 Robert Kiyosaki. These books bust myths about debt and wealth, setting the foundation for smarter financial planning. As we navigate through these transformative reads, we also introduce Ryan's own work, "The Fiscal Physical," and discuss how these literary gems can empower you to rethink your approach to money, experiences, and long-term goals.

    Get ready to challenge conventional wisdom and explore the delicate balance between saving and spending, as we bring insights from Bill Perkins' "Die With Zero." With a focus on the struggles of diligent savers, this episode emphasizes the importance of meaningful wealth spending without compromising future security. From "The Psychology of Money" to "The Millionaire Next Door," we recap essential reads that promise to enhance your financial literacy and quality of life. Whether you're a seasoned saver or new to financial planning, our discussion aims to inspire you to align your financial actions with your personal values, making the most of every dollar.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    21 mins
  • #46 The Behavior Gap: Why We Invest the Way We Do

    #46 The Behavior Gap: Why We Invest the Way We Do
    Nov 12 2024

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    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 not every decision needs to be purely financially driven, with relatable examples like car purchases where personal taste intertwines with financial reasoning. Ryan shares real-world insights from his practice, revealing how financial advisors can help clients close the behavior gap, especially during market fluctuations, to enhance their long-term financial success.

    Dive into the nuances of investment returns as we spotlight the S&P 500's role in illustrating a striking behavior gap. You'll learn how timing and emotional reactions can lead investors to trail behind benchmark averages, with a stark 3.5% gap for stocks and an even more significant one for fixed income investments. With a touch of humor and references to "Men in Black," we stress the value of keeping an open mind in both investing and life. As a sneak peek into our upcoming conversation, we tease our exploration of brand loyalty and how beloved companies and products can sway financial decisions. Tune in for a thought-provoking episode that promises to elevate your financial literacy and decision-making prowess.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    20 mins
  • #45 The Balancing Act: Supply vs. Demand Simplified

    #45 The Balancing Act: Supply vs. Demand Simplified
    Nov 5 2024

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    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, using vivid examples like the quirky case of an oversupply of rubber ducks to illustrate how markets react to changes in supply and demand. This foundational knowledge sets the stage for a deeper conversation on the pharmaceutical industry, where we tackle the ethical and economic complexities of drug pricing. With the drug Ozempic as our focal point, we explore the delicate balance between consumer demand, development costs, and the ethical challenges posed by pricey medications.

    Later, we shift gears to explore the modern work environment with business owner Ryan Nelson, who shares his unique perspective on productivity and work hours. His experience as both an employee and employer provides a fresh take on the often-misunderstood relationship between time spent at work and actual productivity. We delve into surprising statistics that highlight the gap between the hours we clock in and the productive work we achieve, challenging the traditional 40-hour workweek's effectiveness. Ryan emphasizes the importance of quality, focused work and the hurdles of maintaining productivity throughout the day. This conversation offers a thoughtful lens on achieving work-life balance and rethinking productivity in today's dynamic workplaces. Don't miss this engaging episode that promises to expand your understanding of economic principles, ethics, and workplace productivity.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    25 mins