Inside Out Money

Latest Episodes:

131. What is rebalancing and should I be doing it? Oct 05, 2025

Show notes

Sometimes, your investment portfolio needs a course correction to stay safe and on track with your personal allocation strategy. We tackle the essential, yet often ignored, financial tune-up known as rebalancing. Learn exactly what rebalancing is, why this simple process is about managing risk (not chasing returns), and the practical steps to implement it, including smart tax strategies for your 401(k) and brokerage accounts.

Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/131-what-is-rebalancing-and-should-i-be-doing-it/

130. The Chimp Paradox: Why you spend when you know you shouldn’t Sep 28, 2025

Show notes

Ever wonder why you make financial decisions that go against your better judgment? This episode delves into The Chimp Paradox, a powerful psychological model by Dr. Steve Peters that explains the constant tug-of-war between your emotional "chimp" brain and your rational "human" brain. We'll explore how this internal conflict often leads to impulsive spending and financial anxiety, and, more importantly, equip you with actionable strategies to "box your chimp" and make logical, confident choices with your money. Get ready to understand the unseen forces shaping your financial habits and learn how to take control of your financial future!

Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/130-the-chimp-paradox-why-you-spend-when-you-know-you-shouldnt/

129. Are you a HENRY? Escaping the traps so you can build wealth Sep 21, 2025

Show notes

Are you earning big but feeling broke? You're not alone. Welcome to the world of the H.E.N.R.Y.—High Earner, Not Rich Yet. This growing demographic of six-figure earners finds themselves in a financial paradox, with significant income but little to show for it in savings or investments. This episode dives into the two primary culprits behind the HENRY trap: the combination of lifestyle creep and a lack of a clear financial plan. We’ll show you how to hit pause, realign your spending with your values, and stop comparing your life to everyone else's.

Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/129-are-you-a-henry-escaping-the-traps-so-you-can-build-wealth/

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128. What is the good life? And how expensive is it? Sep 14, 2025

Show notes

Is the good life about luxury goods and expensive travel, or is it something much simpler yet profound? We dissect what a "good life" truly is, from the dictionary definition to Morgan Housel's core elements of happiness, and we'll reveal the simple, actionable steps you can take to start funding a life rich in more than just dollars. We explore why true wealth isn't what you see, it's what you don't see. We'll show you how to build a life of purpose, independence, and strong relationships—the true ingredients of a life well-lived.

Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/128-what-is-the-good-life-and-how-expensive-is-it/

127. Home warranties - A safety net or a money pit? Sep 07, 2025

Show notes

Are home warranties worth it? We answer this question and more. We break down how home warranties work, their pros and cons, and considerations for your primary home versus a rental property. We share personal experiences with home warranties and offer our tips on how to shop for and maximize the benefits of a home warranty if you decide to purchase one.

Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/127-home-warranties-a-safety-net-or-a-money-pit/

126. The Real L-Word - Why Limits are your new best friend Aug 31, 2025

Show notes

Setting limits can get a bad rap, but limits are actually the key to a more joyful and abundant financial life. We redefine budgeting and setting limits not as a thing of deprivation, but as a path to peace, and share how setting healthy financial limits can reduce decision fatigue, build powerful discipline, and surprisingly, create more freedom and joy with your money.

Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/126-the-real-l-word-why-limits-are-your-new-best-friend/

125. The psychology of debt - How to stay motivated while paying off debt Aug 25, 2025

Show notes

Let's make paying off debt a little more fun and a little less of a slog. We deep dive into the psychology of debt repayment and offer some of the more enjoyable ways to stay motivated and on top of your debt payoff journey. We’re moving beyond standard budgets and interest rates to discuss the power of “hacking” your brain, leveraging the principles of behavioral science to stay motivated, celebrate your wins, and finally break free from the burden of debt.

Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/125-the-psychology-of-debt-how-to-stay-motivated-while-paying-off-debt/

124. Listener Q&A with Andrew - US vs. international investing, 457b plans, roth conversion ladders, when to stop contributing to your 401k, tracking HSAs expenses, and more! Aug 18, 2025

Show notes

This week, Andrew and I answer your money questions about the nitty-gritty of retirement planning, complexities of early retirement strategies, roth conversion ladders, what to do with your cash, common investing misconceptions, US vs. international stock investing, and more.

Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/124-listener-qa-with-andrew-us-vs-international-investing-457b-plans-roth-conversion-ladders-when-to-stop-contributing-to-your-401k-tracking-hsas-expenses-and-more/

123. A dopamine menu - 20 ways to feel good without spending money Aug 10, 2025

Show notes

Next time you get the urge to make a purchase, try one of these things to get a free or low-cost dopamine hit. We’re exploring the science of dopamine and how our brains are hooked on the thrill of a new purchase. Instead of letting the impulse to shop take over, we share ideas to create your own dopamine menu that will deliver the same feel-good chemicals without the financial hangover. Get ready to hack your brain’s reward system and find true satisfaction that’s more lasting than a new purchase.

Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/123-a-dopamine-menu-20-ways-to-feel-good-without-spending-money/

122. This is your brain on debt - Let’s stop normalizing debt Aug 04, 2025

Show notes

Debt has become a quiet, accepted part of our lives, but what if we stopped seeing it as normal? We challenge the narrative that debt is an inevitable part of modern life. We dissect how societal pressures, easy access to credit, and a culture of instant gratification lead us down a path of unintentional debt. This isn't just about the numbers; it's about the hidden costs of debt—the stress, the limited choices, and the dreams that get put on hold. We hope this is a call to action to shift your mindset and minimize the amount of debt you’re willing to take on.

Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/122-this-is-your-brain-on-debt-lets-stop-normalizing-debt/

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