Episodes

In this episode of Beer and Money, Ryan Burklo discusses essential aspects of retirement planning, focusing on cash flow, taxation, and the risks associated with relying solely on market returns. He emphasizes the importance of setting up a flexible...

In this episode of Beer and Money, Ryan Burklo discusses the essential elements of retirement planning, emphasizing the importance of making informed decisions today to secure a successful retirement in the future. He outlines key factors that...

In this episode of Beer and Money, Alex Collins shares his personal journey in the finance industry, discussing his background, the importance of financial planning, and the impact of partnerships in his career. He emphasizes the significance of...

In this episode of Beer and Money, Ryan Burklo shares his personal journey and professional evolution into financial advising. He discusses his background, the importance of understanding client goals, and the role of effective communication in...

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the importance of umbrella policies in personal finance. They explain what an umbrella policy is, how it provides an extra layer of liability insurance beyond standard policies,...

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the concept of exchange funds, particularly for individuals with concentrated stock positions. They explore the implications of holding large amounts of stock in a single company,...

In this episode of Beer & Money, Ryan Burklo discusses two common misunderstandings about dividends. He explains what dividends are, how they affect stock prices, and the tax implications associated with them. The episode aims to educate listeners...

In this episode of Beer and Money, Ryan Burklo discusses the recent changes to the rules governing inherited IRAs, particularly focusing on the new 10-year rule that requires non-spouse beneficiaries to deplete inherited accounts within a decade. He...

In this episode of Beer and Money, Ryan Burklo discusses the importance and benefits of Health Savings Accounts (HSAs). He explains the qualifications for opening an HSA, the contribution limits, and the unique triple tax advantage that HSAs offer....

In this episode of Beer and Money, Ryan Burklo and Alex Collins delve into the complex topic of tariffs, exploring their definition, implications, and effects on businesses and the economy. They discuss the potential benefits and drawbacks of tariffs,...

In this episode, Ryan Burklo discusses the five essential principles of investing, emphasizing the importance of having a well-structured balance sheet, understanding risk, diversifying investments, rebalancing portfolios, and maintaining good...

In this episode of Beer and Money, Ryan Burklo discusses various tax strategies for retirement, emphasizing the importance of planning with the end in mind. He explores the implications of different income needs, the 4% withdrawal rule, and compares...

In this episode of Beer and Money, Ryan Burklo discusses the importance of tax planning for retirement. He emphasizes the need to understand the net after-tax income and how different retirement accounts, such as traditional and Roth accounts, affect...

In this episode of Beer and Money, Ryan Burklo discusses the intricacies of the tax system, focusing on the differences between marginal and effective tax rates, how bonuses are taxed, and the implications of choosing between traditional and Roth...

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the often misunderstood concept of recovery rates in investing, particularly after market downturns. They explore the mathematical realities of recovering from losses, the...

In this episode of Beer and Money, Ryan Burklo, Alex Collins, and estate planning expert Rob Bukacek discuss the intricacies of estate planning. They cover the importance of having a trust, the process of finding the right attorney, and how to prepare...

In this episode of Beer and Money, Ryan Burklo discusses the concept of obligations that individuals actually want to have in their lives. He emphasizes the importance of understanding personal goals beyond traditional financial aspirations, such as...

In this episode of Beer and Money, Ryan Burklo discusses the critical distinction between inheritance and investment, drawing from a transformative conversation with a mentor. He emphasizes the importance of investing in children today rather than...

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the five biggest factors of retirement planning, emphasizing the importance of income streams, asset location, liquidity, tax distribution status, and tax strategy. They challenge...

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the implications of recent election results on investment strategies. They emphasize the importance of maintaining a long-term perspective in investing, regardless of political...

In this episode of Beer and Money, Ryan Burklo discusses the concept of self-insurance, exploring its relevance and practicality in various scenarios. He provides examples of when self-insurance may be beneficial, such as in auto insurance and...

In this episode of Beer and Money, Ryan Burklo discusses the importance of a cashflow management system, emphasizing the need for individuals to understand the purpose of their money and how to manage it effectively. He introduces the concept of a...

In this episode of Beer and Money, Ryan Burklo and estate planning expert Rob Bukacek discuss the critical importance of estate planning, sharing personal experiences that led them to focus on this often-overlooked area of financial planning. They...

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the myths surrounding tax deferral, particularly the common belief that individuals will be in a lower tax bracket during retirement. They explore the implications of income...