Financial Sentiments
Financial Sentiments is a podcast about investing, retirement, taxes, estate planning, and the financial decisions that shape real life. Hosted by Nick Haberling, CFP®, each episode breaks down important planning topics in a thoughtful, practical way for families, retirees, and business owners who want to make smarter decisions with their money.
Episodes
How Investors Accidentally Time the Market
“Buy low and sell high” sounds like simple investing advice. The hard part is that you have to know what to buy, when to sell, when to get back in, and what to buy next.In this episode, Nick Haberling, CFP®, explains why market timing is much more difficult than it sounds and how investors can sometimes end up timing the market without even realizing it.Nick looks at the opportunity cost of sittin
Unforced Errors
In this episode of Financial Sentiments, Nick Haberling, CFP®, discusses some of the most avoidable mistakes investors make and why long-term success often has less to do with finding brilliant investments than avoiding unforced errors.Like a turnover in basketball or an unforced error in tennis, some investing mistakes are entirely self-inflicted. Stock picking, high investment costs, market timi
Should You Give an Inheritance All at Once?
In this episode of Financial Sentiments, Nick Haberling, CFP®, discusses whether leaving an inheritance to your children all at once is always the best approach.Research suggests that a surprisingly large portion of inherited wealth can disappear relatively quickly. But spending is only one reason families may want to think carefully about how an inheritance is distributed. Age, experience, divorc
The Strange Truth About Stock Returns
In this episode of Financial Sentiments, Nick Haberling, CFP®, explores a surprising truth about stock market returns: stocks have been one of history’s greatest wealth-building tools, even though most individual stocks have produced disappointing results.Over the past century, a remarkably small percentage of companies have generated nearly all of the stock market’s net wealth creation. This epis
Investing for Children: It's Not About the Account
In this episode of Financial Sentiments, Nick Haberling explains why investing for a child’s future is not simply a matter of choosing the account with the biggest tax advantage. The right choice depends on what the money is intended to accomplish—and how much flexibility the family wants to preserve.Nick compares several common options, including 529 plans, custodial UGMA and UTMA accounts, Roth
Same Gift, Smarter Plan: How to Leave More to Family and Charities
In this episode of Financial Sentiments, Nick Haberling walks through a simple but powerful estate planning idea: when leaving money to both family and charity, which assets go to whom can matter just as much as how much they receive.Using a real-world-style example, Nick explains why pre-tax retirement accounts like IRAs can be costly for heirs but highly efficient for charities, while appreciate
Is the S&P 500 Really Diversified?
In this episode of Financial Sentiments, Nick Haberling, CFP®, discusses the hidden concentration inside the S&P 500 and why investors may not be as diversified as they think.The S&P 500 is often described as a broad basket of 500 of America’s largest companies, but the index is weighted by market capitalization. That means the largest companies can have an outsized impact on performance.
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