Episode 1: 401(k) 

A huge focus of our podcast, a 401(k) is a feature of a qualified profit sharing plan that allows employees to contribute a portion of their wages to an individual accounts.  401(k) is simply the IRS tax code. 

Episode 2: Behavioral Finances

Behavioral Finance is a subfield of behavioral economics. It's a study of psychological influences and biases and how they affect behaviors of investors and everyday people, and how they make financial decisions. 

Episode 3: Confirmation Bias

Confirmation Bias is the tendency to actively search for, interpret and retain information that matches our preconceived notions or beliefs. In money, it has an impact on behavioral economics.

Episode 4: Required Minimum Distributions (RDM)

A required minimum distribution is the amount of money that must be withdrawn annually from an employer sponsored retirement plan or a traditional IRA.

Episode 5: Asset Allocation

Asset allocation is the implementation of an investment strategy that attempts to balance risk versus reward by adjusting the percentages of each asset in an investment portfolio according to the investor's risk tolerance goals and investment time frame.

Episode 6: Budget

Budget is a spending plan based on income and expenses. In other words, it's an estimate of how much money you make and spend over a specific period of time, such as a month or a year. 

Episode 7: Debt

Debt is the sum of money that is borrowed for a certain period of time and is to be returned along with the interest, the amount borrowed cost of the loan, as well as the approval of the loan of the debt depends upon the credit worthiness of the borrower.

Episode 8: Debt Ceiling 

The debt ceiling, also known as the debt limit, is the maximum amount of money that the United States can borrow.  The debt ceiling was created under the Second Liberty Bond Act of 1917.

Episode 9: Taxes

Taxes are a way governments can collect money from its citizens to pay for the needs of the collective. 

Episode 10: Financial Literacy 

Financial Literacy is defined as having a basic understanding of financial matters and the ability to manage debt, budget, and create an initial financial plan.

Episode 11: Financial Acumen 

A person's ability to understand the financial effects of certain choices and actions, and make informed decisions to maximize profits and decrease loans. 

Episode 12: Financial Discipline 

Financial discipline is the act of setting specific financial goals and tracking their treatment. By practicing financial discipline, you can create a budget, build up a savings and emergency fund, hit your money goals and make progress towards a more stable financial future. 

Episode 13: Summary Plan Description

This is an important document that outlines the details of your employer's retirement plan. It describes things like:

-When you can join the plan

-How much you can contribute

- Company match

- Vesting schedule

- Options if you need to take money from the plan 

Episode 14: Prospectus 

A prospectus is a legal document describing a company's securities that have been put on sale. The prospectus generally discloses the company's operations along with the purpose of these securities being offered.

Episode 15: Glide Path

Glide path refers to the formula that defines the asset allocation mix of a target date fund, shifting from aggressive investments to more conservative ones as the target date approaches.  The term originates from the aviation industry, where it's describes the trajectory a plane follows to descend for a landing. 

Episode 16: Benchmark

A benchmark is a standard power with which to measure performance and investing. Benchmarks are used as a reference point for the performance of securities, mutual funds, exchange traded funds, portfolios, and other financial instruments. 

Episode 17: Volatility

Volatility is a statistical measure of the dispersion of returns for a given security or market index. In most cases, the higher the volatility, the riskier the secure. Volatility is often measured from either the standard deviation or variance between returns from that same security or market index.

Episode 18: Gross Domestic Production (GDP)

GDP is the total monetary or market value of all of the finished goods and services produced within a country's borders in a specific time period. It really functions as a comprehensive scorecard of the country's economic health.

Episode 19: Data

Data provides an investor with an approximation of how much risk a stock, will add to a portfolio.

Episode 20: Liquidity 

The efficiency or ease at which an asset or security can be converted into cash without affecting its market price. In other words, being able to get your money whenever you need it. An example of liquidity might be, an emergency savings account or cash in the bank.

Episode 21: Dividend

Dividends are the percentage of a company's earnings that is paid to its shareholders as their share of the profits. Dividends are generally paid quarterly, with the amount decided by the board of directors based on the company's most recent earnings. dividends may be paid in cash or additional shares. When a company announces a dividends, it will also announce the payment date on which the dividend will be paid into the shareholders account.

Episode 22: Expense Ratio 

Expense ratio is how much you pay in mutual fund or ETF. Exchange traded fund per year expressed as a percentage of your investments. An expense ratio is basically determined by dividing of funds, operating expenses by its net assets. Operating expenses reduce the fund's assets, thereby reducing the return to investors because the expense ratio is deducted from the funds gross ratio and paid to the fund manager.

Episode 23: Longevity Risk 

Longevity risk refers to the chance that life expectancies and actual survival rates exceed expectations, resulting in greater than anticipated cash flow needs for insurance companies and pension funds. 

Episode 24: Bull and Bear Market 

Commonly accepted threshold for the start of a bull market is a rise in stock prices of 20%. The bear market occurs when prices in a market decline by more than 20%, often accompanied by negative investor sentiment and weakening economy. Bear markets can be cyclical or longer term, meaning they can last for several weeks or even a couple of months, or as long as several years, which we hope to avoid.