Explore every episode of the podcast The Science of Wealth
| Title | Pub. Date | Duration | |
|---|---|---|---|
| What the wealthy don't want you to know about money | 13 Apr 2026 | 00:37:27 | |
Dr. Dan and Daniel discuss some of the key takeaways from "Secrets of the Rich: What the Wealthy Don't Want You To Know About Money", Dr. Dan's latest book release. To order "Secrets of the Rich": https://a.co/d/0b1690sO
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| Retiring comfortably, gifts vs. legacy, and what happens without an estate plan | 06 Apr 2026 | 00:47:19 | |
Dr. Dan and Anahi discuss what it means to retire comfortably, whether gifts made during life or after death are more impactful, and what happens if you die without an estate plan. | |||
| Picking a financial planner, generalists vs. specialists, and when to graduate from your planner | 02 Feb 2026 | 00:40:05 | |
Dr. Dan and Daniel discuss the costs and factors of picking a financial planner, whether you should find a specialist or work with a generalist, and when you might need to graduate from your financial planner. | |||
| Welcoming Anahi Sarmiento Garcia | 26 Jan 2026 | 00:34:09 | |
Dr. Dan welcomes MY Wealth Planners' new Wealth Planning Analyst, Anahi Sarmiento Garcia, to the podcast. | |||
| Annuities, Dividend Investing, and Asset Location | 19 Jan 2026 | 00:45:49 | |
Dr. Dan and Daniel discuss annuities, dividend investing, and asset location in investing. | |||
| Differences in Age and Risk Tolerance | 12 Jan 2026 | 00:46:31 | |
Dr. Dan and Daniel discuss what happens when a couple has a material difference in their age or their risk tolerance and how to account for such differences in a financial plan. | |||
| 2025 Year End Financial Planning Recap | 23 Dec 2025 | 00:43:05 | |
Dr. Dan and Daniel discuss another year wrapping up in financial planning. What stood out in 2025, what to tie up before the end of the year, and some anticipation for 2026. | |||
| Getting a Job in Financial Planning | 15 Dec 2025 | 00:47:45 | |
Dr. Dan and Daniel discuss the recent round of hiring at MY Wealth Planners, and go into detail about what worked well for candidates and what didn't. | |||
| The cost of kids, spending more, and how to buy a car | 08 Dec 2025 | 00:57:18 | |
Dr. Dan and Daniel discuss the cost of kids, spending more, and how to car shop. To schedule a complimentary consultation, visit: https://calendly.com/my-wealth-planners-initial-consults | |||
| Alternative investments, planning to retire early, and planning for the realities of long term care | 01 Dec 2025 | 00:42:01 | |
Dr. Dan and Daniel discuss alternative investments, planning to retire early, and planning for the realities of long term care. To schedule a complimentary consultation, visit: https://calendly.com/my-wealth-planners-initial-consults | |||
| Carl Richards' 50 Fires-Style Discussion | 24 Nov 2025 | 00:49:10 | |
Dr. Dan and Daniel take the Thanksgiving Holiday week to have a "50 Fires" style discussion. 50 Fires is a terrific podcast by Carl Richards, a writer for the New York Times and best-selling author, where he interviews creatives and bright minds on their thoughts and experiences with money. Dr. Dan and Daniel take the opportunity to ask some of the same questions of each other. | |||
| 50 Year Mortgages, Asking for a Raise, and Looking for Other Opportunities | 17 Nov 2025 | 00:40:33 | |
Dr. Dan and Daniel discuss the proposal to introduce 50 Year Mortgages into the housing market, the process of asking for a raise, and things to consider when looking for other opportunities. To schedule a complimentary consultation, visit: https://calendly.com/my-wealth-planners-initial-consults | |||
| What if: this time it's different? | 30 Mar 2026 | 00:42:28 | |
Dr. Dan and Daniel discuss the most persistent myth in the investment world: This time it's different. | |||
| Common financial products, open enrollment, and the timing of Roth Conversions | 10 Nov 2025 | 00:46:52 | |
Dr. Dan and Daniel discuss issues with common financial products, open enrollment, and the timing of Roth conversions. To schedule a complimentary consultation, visit: https://calendly.com/my-wealth-planners-initial-consults | |||
| How financial plans fail, rules of thumb, and perfection as the enemy of good planning | 03 Nov 2025 | 00:42:46 | |
Dr. Dan and Daniel discuss how financial plans fail, common planning rules of thumb, and why perfection is the enemy of good financial planning. To schedule a complimentary consultation, visit: https://calendly.com/my-wealth-planners-initial-consults | |||
| Layoffs, work:life balance, and trading a salary for entrepreneurship | 27 Oct 2025 | 00:49:52 | |
Dr. Dan and Daniel discuss layoffs, human capital and signaling theory, work:life balance, and trading a salary for entrepreneurship.
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| Government Shutdowns, AI Bubbles, and How Investment Management Works | 20 Oct 2025 | 00:42:35 | |
Dr. Dan and Daniel discuss current events and the impact on the marketplace: the October 2025 government shutdown, whether there's a bubble around AI-based companies, and then go on to discuss how investment management works at MY Wealth Planners. | |||
| International Travel, Children with Disabilities, and Downsizing Your Life | 06 Oct 2025 | 00:46:17 | |
Dr. Dan and Emily discuss some nuances of planning for international travel, how to plan for children with disabilities, and some tips for downsizing your life. | |||
| Questions to ask a Financial Advisor | 29 Sep 2025 | 00:49:09 | |
Daniel asks Dr. Dan the WSJ's Jason Zweig's "19 Questions to Ask a Financial Advisor," and they discuss how their answers align and differ from Zweig's answer key. | |||
| Is an estate plan really necessary? | 22 Sep 2025 | 00:43:20 | |
Dr. Dan & Daniel discuss the importance of estate planning, why it doesn't matter if you have a simple or complicated situation, and the importance of being deliberate about to whom and what you leave in your estate. | |||
| Financial Planners Reviewing a "Professional's" Financial Plan | 15 Sep 2025 | 00:56:48 | |
Dr. Dan & Emily review a financial plan by a team of "professional" financial planners. See Dr. Dan & Emily review the plan on video: https://youtu.be/7ALOJsGQ4qU To learn more about financial planning and MY Wealth Planners, visit: https://mywealthplanners.com | |||
| Building your financial team, working with more than one planner, and how to vet professionals | 08 Sep 2025 | 00:37:40 | |
Dr. Dan & Daniel discuss building your financial team, the issues in trying to work with more than one planner (or other professional in the same role), and how to vet potential professionals to help you with your financial, legal, and other needs. | |||
| 2025 Financial Planning Association's NexGen Gathering | 01 Sep 2025 | 00:28:56 | |
Daniel & Emily discuss takeaways from the 2025 Financial Planning Association's NexGen Gathering. | |||
| Different types of financial help, and how to identify the right fit | 23 Mar 2026 | 00:47:07 | |
Dr. Dan and Anahi discuss the different types of financial services firms, how to identify what would be a good fit, and provide a 2x2 framework of short-term/long-term and single-issue/multi-issue to select the right type of financial help. | |||
| DIY Financial Planning, Ideal Clients, and Establishing Trust with a Professional | 25 Aug 2025 | 00:46:07 | |
Dr. Dan & Daniel discuss DIY people, who's an ideal financial planning client, and the underpinning issues of trust in a professional relationship. | |||
| Frugality, the possibility of long term planning, and the ethics of building wealth | 18 Aug 2025 | 00:38:53 | |
Dr. Dan & Emily discuss frugality, whether long-term planning is possible, and the ethics of building wealth. | |||
| Cost of living, renting vs. buying, and upsizing & downsizing | 11 Aug 2025 | 00:47:25 | |
Dr. Dan & Daniel discuss high vs. low cost of living, buying vs. renting, and upsizing and downsizing later in life. | |||
| Bank on yourself, first lien HELOCs, and recovering from bankruptcy | 04 Aug 2025 | 00:33:20 | |
Dr. Dan & Emily discuss the "bank on yourself" strategy (also known as "infinite banking"), the risks with converting a traditional mortgage to a 1st lien HELOC, and how to recover from bankruptcy. | |||
| Minimum Wage in Longmont and Colorado | 28 Jul 2025 | 00:29:46 | |
Dr. Dan & Daniel discuss the minimum wage proposals in Longmont county and how similar proposals have had disastrous effects for the small business community in Niwot and Denver. To learn more about financial planning and MY Wealth Planners, visit: https://mywealthplanners.com | |||
| Ten Years as a Financial Planner | 21 Jul 2025 | 00:35:56 | |
Dr. Dan & Emily discuss Dan's experience after ten years of being a financial planner, what MY Wealth Planners is doing now, and what to expect over the next ten years. Link to the prior episode talking about the founding of MY Wealth Planners: https://open.spotify.com/episode/47tcXJdx5Ucwf1AcDOGPOn?si=c0c905b5e4654aa2 | |||
| One Big Beautiful Bill and the Taxes Within | 14 Jul 2025 | 00:55:17 | |
Dr. Dan & Daniel discuss the "One Big Beautiful Bill," specifically the tax impacts for individuals and business owners. | |||
| What insurance do you need, serving as an executor, and pre-nup agreements | 07 Jul 2025 | 00:48:49 | |
Dr. Dan & Emily discuss the baseline insurances that you need, and then discuss serving as an executor and pre-nuptial agreements. | |||
| Travel planning, caring for aging parents, and setting your kids up for success | 30 Jun 2025 | 00:43:22 | |
Dr. Dan & Emily discuss getting into the details of travel planning, how to discuss your parents' need for care later in life, and how to set up your young children for financial success. | |||
| Fee-only planning; service model evolution, and which type of planning is good for which client | 23 Jun 2025 | 00:42:45 | |
Dr. Dan & Daniel discuss fee-only, fee-based, and commission-only financial planning. They then move on to discuss how MY Wealth Planners' planning model has evolved from standalone investment management and one-time project services to its current comprehensive model. And they end their conversation on the topic of which types of planning models are good for which types of client. | |||
| Work life happiness, practical careers or following passion, and evaluating non-monetary benefits | 16 Mar 2026 | 00:44:33 | |
Dr. Dan and Daniel discuss jobs where you're less than satisfied, whether you should pursue a practical career or your passion, and how to evaluate benefits that are non-monetary. | |||
| A "Simple" Financial Plan, Financial Planning by Decade of Life, and One-Time versus Long-Term Plans | 16 Jun 2025 | 00:51:19 | |
Dr. Dan & Daniel discuss what financial planners think about when presented with a "simple" financial plan. They then move to how financial planning is focused on a decade-by-decade basis for many people. Finally, they wrap up on the question of the value of a one-time financial plan versus a long-term financial plan. | |||
| Financial anxiety, retirement as a number other than age, and FAQs of financial planners | 09 Jun 2025 | 00:42:35 | |
Dr. Dan & Emily discuss financial anxiety, how to think of retirement as a number other than age, and FAQs of financial planners. | |||
| Children's Allowances, Talking to Others About Money, and Separating Wealth and Worth | 02 Jun 2025 | 00:46:05 | |
Dr. Dan & Daniel discuss children's allowances, whether you should discuss money with your family, friends, and colleagues, and separating your self worth from your wealth. The 2025 Employee Benefits Guide for MY Wealth Planners: https://www.mywealthplanners.com/wp-content/uploads/2024/12/Employee-Benefits-Guide-2025.pdf | |||
| Student debt, whole life insurance, and target date funds | 26 May 2025 | 00:40:14 | |
Dr. Dan & Emily discuss student debt and whether you should target forgiveness or payoffs, then turn to whole life insurance, and wrap up on the subject of target date funds. | |||
| Paying Off Debt, The Costs of Delaying Financial Decisions, and Financially Smart Home Improvements | 19 May 2025 | 00:45:23 | |
Dr. Dan & Daniel discuss whether paying off debt early is an optimal strategy and when it's not. They then discuss the opportunity costs of delaying financial decisions and what can contribute to those costs. Finally, they wrap up on the topic of whether it's financially smart to renovate and improve your home. | |||
| Inheritances, Lifestyle Creep, and Leadership | 12 May 2025 | 00:34:20 | |
Dr. Dan & Emily discuss how to handle an inheritance when it's received and how lifestyle creep can be a dangerous factor in dealing with new money. Then, Emily asks Dan to share his advice for leaders. | |||
| The 2025 Financial Planning Association Retreat | 05 May 2025 | 00:49:18 | |
Dr. Dan & Daniel discuss the lessons learned at the Financial Planning Association's Retreat, a gathering of experienced financial planners to learn from world-class experts on a variety of financial planning subjects. | |||
| Merging finances, managing career decisions with shared finances, and splitting finances | 28 Apr 2025 | 00:37:23 | |
Dr. Dan & Emily discuss strategies for merging finances with a partner or spouse, how to manage career and cash flow decisions when you're in a relationship, and how to go about dividing up financial assets in the event of a separation or divorce. | |||
| ESG/SRI investing, bitcoin and blockchain, and whether AI will replace financial planners | 21 Apr 2025 | 00:41:39 | |
Dr. Dan & Daniel discuss ESG/SRI investing, bitcoin and blockchain, and whether AI will replace financial planners. | |||
| Market Volatility, Delegating Investment Management, and Investing for Short Term Goals | 14 Apr 2025 | 00:29:33 | |
Dr. Dan & Emily discuss the volatility in the markets over the past few weeks, why delegating to a financial planner can be a good idea, and how to invest for short term goals. | |||
| AI's Influence on Financial Planning, Wealth by Generation, and Living Abroad | 09 Mar 2026 | 00:48:10 | |
Dr. Dan and Anahi discuss AI's influence on financial planning, how wealth changes generation to generation, and some cursory thoughts on living and working abroad. | |||
| Teaching kids about wealth, how to save for your kids, and finding success beyond money | 07 Apr 2025 | 00:42:22 | |
Dr. Dan & Daniel discuss teaching children about wealth, how to save for giving your kid a head start in life, and finding success beyond monetary wealth. | |||
| Getting a PhD in Financial Planning & Researching Financial Planning | 31 Mar 2025 | 00:37:38 | |
Dan and Emily discuss Dan completing his PhD in Personal Financial Planning, what the world of financial planning research looks like, and what's next on Dan's research journey. | |||
| Politics and the stock market, tariffs, and moving overseas | 24 Mar 2025 | 00:31:32 | |
Dan and Daniel discuss how politics do (or don't) affect the stock market, how tariffs impact personal finances, and considerations when moving overseas. | |||
| Who needs a financial planner, picking a business structure, and annuity basics | 17 Mar 2025 | 00:43:45 | |
Dan and Emily discuss common misconceptions about who needs a financial planner, introductory considerations when picking a business structure, and some basics to understand about annuities. | |||