Ditch The Suits: Financial Planning Insights Without The Sales Pitch
This podcast offers financial planning insights without the typical sales pitch. Host Travis Maus, an Accredited Investment Fiduciary Analyst and CEO of a fee-only wealth management firm, addresses concerns about hidden fees, market volatility, and tax changes. The show covers investment strategies, retirement planning, and other financial topics with practical examples. It aims to help listeners make informed decisions about their money and future.
Episodes
The American Dream Isn’t Dead. Here’s Why…
We’ve misunderstood the American Dream the whole time.For many people, the American Dream has become synonymous with owning a home, earning more than your parents, and giving your children a better life. But that was never the real definition.In this episode of Ditch the Suits, we take a step back to explore where the idea of the American Dream came from, how its meaning has changed over time, and
The Rise of the Welfare State and Why Incentives Matter
What if the biggest thing holding you back financially isn't your income, your education, or the economy?What if it's the story you're telling yourself (and that everyone else seems to be telling you)?In this episode of Ditch The Suits, I explore how narratives and incentives shape financial behaviour and why so many people feel stuck, despite having opportunities available to them.We dive into th
The Middle Class Wealth Myth: Why You Feel Left Behind
The headlines will tell you that the middle class is disappearing. That wealth is out of reach. That the system is stacked against us.But what if the problem isn't your finances at all? What if you're measuring success using the wrong scoreboard?In this episode of the new season of Ditch The Suits, we take a closer look at one of the loudest narratives in America: the decline of the middle class.
Ditch The Suits Trailer - Start Here
Maybe you're wondering if your financial advisor is really working for you (or for themselves), or you're worried about hidden fees, market volatility, or the next big tax change that could throw your plans off track.I get it. I've spent decades helping people just like you navigate these challenges, and I know first-hand how overwhelming it can feel.I’m your host, Travis Maus, and this is Ditch T
The Game of Money: Why Most People Are Playing To Lose
In this episode of Ditch the Suits, Travis steps back to share the story behind the podcast; where it started, how it evolved, and why it’s entering a new chapter.What began during the uncertainty of COVID as a way to cut through fear and misinformation has grown into something much bigger: a platform dedicated to helping people make smarter, more confident financial decisions. Along the way, the
High-Yield Accounts, AI Retirement Planning Tools, and What To Do With Your Tax Refund
In this episode of Ditch the Suits, Travis Maus tackles some of the most searched financial questions; starting with high‑yield accounts and where cash really belongs in today’s environment. You’ll learn the real differences between online savings accounts, money market funds, bonds, and other “higher yield” options, along with the trade‑offs around access, liquidity, and risk that rarely get expl
Passive vs. Active: Why ‘Passive’ investing Isn’t Really Passive.
In this episode of Ditch the Suits, Travis Maus takes on some of the most common investing questions people are asking today and challenges the assumptions behind them. From “What should my net worth be by age?” to “Should I get more conservative as I get older?” Travis explains why comparing yourself to benchmarks or headlines often leads to bad decisions.The conversation dives deep into market v
Retirement, Investing, Homeownership. Answers to Big Financial Questions.
In this episode of Ditch the Suits, we tackle some of the biggest financial questions people face and why the “right” answers aren’t as universal as we’ve been led to believe. Instead of rigid rules or industry clichés, this episode focuses on how real people can think more clearly about their money and make better long-term decisions.We break down common assumptions about being “ready” for retire
Budgeting, Debt, Retirement Accounts & Compound interest: A Simple Guide to Building Wealth
Feeling overwhelmed by budgeting, saving, or investing and tired of hearing advice that doesn’t fit real life? In this episode of Ditch the Suits, Travis Maus answers some of the most common money questions people actually search for, from how to build a realistic budget and emergency fund, to deciding whether you should invest, pay off debt, or ignore the crypto hype altogether. You’ll learn how
Financial Stress and Family Dynamics: How Communication Shapes Wealth Decisions
In this episode of the Ditch the Suits podcast, I’m joined once again with Hannah Burchell, Senior Wealth Manager at S.E.E.D. Planning Group as we tackle the complex realities behind financial stress, exploring how family dynamics, communication, and emotional wellbeing shape our financial decisions. This conversation will dive into how money anxiety often stems from
Real Fiduciary Financial Planning: True Stories of Stress and Success
Welcome to a new episode of the Ditch the Suits podcast, today we are joined by Hannah Burchell, Senior Wealth Manager at S.E.E.D. Planning Group as we dive deep into the true meaning of financial planning. This conversation is going to take us far beyond spreadsheets and projections as we explore how money intersects with life’s most important moments. You’ll he
Confident Choices; Take Healthcare Off Your Worry List - EP. 197
Navigating health insurance and Medicare can be overwhelming, but you don’t have to do it alone. In this episode, Travis Maus (CEO of S.E.E.D. Planning Group) sits down with Cole Craven, founder and Head of Growth at Move Health, to break down how financial advisors and their clients can confidently tackle healthcare decisions. Discover how Move Health’s team-based approach and partnership wi
Retiring? Demystifying Health Coverage - EP. 196
Health insurance and Medicare often feel like a black box, especially for retirees, entrepreneurs, and anyone facing a major life transition. In this episode, Travis Maus (CEO of S.E.E.D. Planning Group) welcomes Cole Craven, founder and Head of Growth at Move Health, to shine a light on the complexities of healthcare coverage and empower listeners with practical, actionable knowledge. Whethe
Why the Middle Class Numbers Don’t Add Up: The Real Story Behind America’s Wealth - EP. 195
In this episode of Ditch the Suits, we are going to dig deeper into the question: Is the middle class truly disappearing in America? Building on last episode’s discussion of statistics and public opinion, we’ll examine the long-term trends from 1980 to 2020, breaking down how shifts in income, demographics, and retirement patterns have impacted the middle class. We are going to challenge the narra
The Real State of America’s Middle Class: Facts, Fiction, and Your Financial Future - EP. 194
In this episode of Ditch the Suits, we are going to dive deep into the evolving story of the American middle class, exploring why it’s shrinking, why that matters, and what you can actually do about it. You’ll hear both sides of the debate: the familiar narrative that the middle class is disappearing as the rich get richer, and a counter-narrative that challenges those assumptions with fresh data
Understanding How Financial Advisors Get Paid and the True Value of Advice - EP. 193
Introduction In this episode, we sit down with Dan Kain, Senior Wealth Manager from S.E.E.D. Planning Group, to tackle one of the most misunderstood aspects of financial planning: how advisors get paid and what real value looks like at every stage of wealth. We break down the myths around fees, commissions, and the true cost of financial advice, especially for sm
The Real Journey from Financial Advisor to Holistic Planner - EP. 192
Introduction In this episode, Travis sits down with Dan Kain, Senior Wealth Manager from S.E.E.D. Planning Group, to dig into the transformation from a traditional financial advisor to a truly holistic planner. This isn’t just about changing job titles, it’s about evolving how we serve people, mastering new skills, and building trust through every step of the financial planning process. Wheth
Redefining Success: How Real Advisors Help Clients Achieve More Than Just Wealth - EP. 191
Unapologetic Insights into Financial Planning In this episode, we dive deep into the realities of the financial planning industry, sharing candid stories and professional insights from Travis’ own journey and those of his colleagues. The conversation is direct and transparent, cutting through industry jargon to expose the differences between product-driven sales and holistic, client-centered
The #1 Question to Ask Your Financial Advisor (And Why It Matters) - EP. 190
Introduction and Theme In this episode, we wrap up a three-part miniseries focused on financial literacy. The conversation centers on compelling research that shows self-discipline is a stronger predictor of financial success than IQ. We dig into why willpower often trumps talent when it comes to achieving financial goals and how automating good habits can help you avoid relying on fleeting motiva
Smart Money Moves No One Teaches You (But Everyone Should Know) - EP. 189
Introduction: In this episode, dive into the second part of our three-part mini-series on financial literacy. This episode is all about the subtle ways people shift their ethical standards around money, how small compromises can become normalized, and why we justify overspending or under-saving. We’re joined by Jamie Shelton, Senior Wealth Manager at S.E.E.D. Planning Group and board president of
Why Most People Feel Financially Illiterate – And What to Do About it - EP. 188
In episode 188, we dive into the topic of financial literacy, exploring the lessons we wish we’d learned before our first paycheck. The episode unpacks pervasive money myths, the challenges of discussing finances - especially with those closest to us - and the reality behind so-called “smart financial moves.” We also discuss inherited financial habits, generational money mindset clashes, and what
SALT Deduction Expansion: How the OBBB Impacts High Income Earners in 2025 - EP. 187
Summary This episode explores the newly expanded SALT (State and Local Tax) deduction under the One Big Beautiful Bill Act (OBBB), focusing on its impact for high-income earners and residents of high-tax states. Key Points Covered SALT Deduction Expansion: The cap on SALT deductions jumps from $10,000 to $40,000, a major relief for households earning under $500,000. This c
Retirement Tax Changes Explained: What Every Senior Needs to Know About OBBB - EP. 186
Summary This episode breaks down the real impact of the One Big Beautiful Bill Act (OBBB) on seniors and Social Security, clarifying misconceptions spread by headlines and political messaging. Key Points Covered OBBB’s Actual Impact: Contrary to headlines, the OBBB does not eliminate taxes on Social Security. It introduces a modest tax deduction for those age 65+, up to $6
The Truth About Social Security Taxes in 2025: History, Politics, and Your Future - EP. 185
Summary In this episode of Ditch the Suits, we dive into the complex history and current challenges of Social Security, especially in light of the recently passed "One Big Beautiful Bill Act" (OBBB). Follow along as we clarify misconceptions, explain the evolution of Social Security, and discuss the impact of new legislation on benefits and taxation. Key Points Covered Historical Co
Think Before You Withdraw: How to Protect Your Retirement Future - EP. 184
In this episode of Ditch the Suits, we dive into the essential world of financial planning, with a special focus on managing your 401k. We tackle common misconceptions about retirement funds and their restricted use, shedding light on the importance of strategic planning to avoid financial pitfalls.We also explore the Secure 2.0 Act, which introduces provisions for emergency withdrawals, and discu
Avoid Common Pitfalls: Tips for Effective Retirement Planning - EP. 183
In this episode of Ditch the Suits, we delve into the unique experiences and challenges that arise when people approach us with financial questions in social settings. We explore the often guarded nature of individuals when it comes to discussing their finances openly and the complexities of providing advice based on limited information.Our conversation highlights the importance of financial plann
Understanding Fiduciary Roles in Financial Planning: Achieve Your Financial Goals - EP. 182
Ever cornered a financial advisor at a party with your burning money questions? In this episode, Travis Maus and Kerstin Driscoll-Witt unpack the hilariously awkward—and surprisingly insightful—moments when finance meets finger food. From retirement myths to crypto confusion, they tackle the big questions people should be asking (but usually don’t). Kerstin shares how she found her
The Benchmark Mirage: Why Beating the Market Isn't The Whole Story - EP. 181
In this episode, Travis Maus and Brad Eaton pull back the curtain on one of Wall Street’s favorite illusions: the idea that you can—or should—try to beat the market. They dive into why benchmarks like the S&P 500, aren’t always what they seem and how the financial industry uses them to sell you a story that might not serve your goals.You’ll hear why active management isn’t the villain it’s mad
The Role of Compounding Wealth Building - EP. 180
In this episode, Travis Maus and Brad Eaton pull back the curtain on market volatility and the emotional rollercoaster it creates for investors. They break down why chasing short-term wins often leads to long-term regrets, and how misunderstanding risk and volatility can sabotage your financial future. You’ll hear real talk about the myths investors buy into, the dangers of FOMO, and why fear
Navigating Investor Challenges in Today's Markets - EP. 179
In this episode, Travis Maus and Brad Eaton dive into something every investor feels but doesn’t always say out loud — the emotional rollercoaster of trying to make smart decisions in a chaotic market.They unpack how the constant flood of news and market noise can mess with your head, and why it’s so easy to confuse price with value. More importantly, they explore how having a real plan — and some
Financial Advisors and Financial Vultures - EP. 178
In this episode, Travis Maus and Jess Blake get into a topic that’s way too common — financial vultures. You know, the ones who circle around when you’re unsure, overwhelmed, or just trying to do the right thing with your money.They break down how these predators operate, why so many people fall for slick sales pitches, and what you can do to protect yourself. From illiquid investments and annuiti
How To Achieve Financial Freedom - EP. 177
In this episode, Travis Maus and Jess Blake pull back the curtain on what really separates those who crush their financial goals from those who stay stuck in the struggle. Spoiler alert: it’s not just about how much money you make.They dive into the power of mindset, why clarity in your financial plan is non-negotiable, and how taking small, consistent action beats big talk every time. You’ll also
Mistakes That Could Cost You Financial Freedom - EP. 176
In this episode of "Ditch the Suits," Travis Maus, CEO of S.E.E.D. Planning Group, and guest Jessica Blake, a Senior Wealth Manager, explore the concept of financial freedom beyond just accumulating wealth. They discuss common misconceptions, emphasizing that financial freedom is not merely about being rich but understanding and prioritizing one's financial situation. Jess shares insights on the i
The Future of Fee-Only Fiduciary Advisors - EP. 175
In this eye-opening episode, Travis is joined once again by consumer advocate and CEO of WealthRamp, Pam Krueger, for a raw, unfiltered conversation about the alarming realities behind 401(k) “advice,” what fiduciary really means, and how investors are often unknowingly being nudged into products that serve companies—not them.Pam calls out the dirty little secret no one wants to talk about: the mi
Understanding Fee-Only Fiduciary Advisors - EP. 174
If you’ve ever wondered who you can really trust with your money—or felt like the financial industry was built to confuse you—this episode is your compass.Travis welcomes Pam Krueger, the fearless founder and CEO of WealthRamp, to the show. She’s on a mission to help everyday people find real, vetted, fee-only fiduciary advisors who actually work in your best interest. Pam’s story starts in the tr
Do Your Blindspots Steal Your Happiness? - EP. 173
In this episode of Ditch the Suits, we're back with Matt Brassard, Head of Growth at Ground News, to continue the conversation about how your media diet could be making you more confused—and more stressed—than informed. If you’ve ever felt overwhelmed by doomsday headlines or wondered why every story you read feels slanted, this one's for you.We break down how Ground News works, why headlines mani
Hype or Real? How to Get Honest Financial News - EP. 172
In this new two-part conversation, Travis welcomes Matt Brassard of Ground News to discuss the current state of news and the challenges of finding trustworthy information. Matt opens up about the role of Ground News as a news aggregation tool. Together, they explore the hyper-political media landscape, the importance of local news, and the impact of media bias on public perception. Matt shares ins
Take Control of Your Stress, Your Career, Your Life - EP. 171
In this follow-up episode of Ditch the Suits, Travis continues his conversation with Dr. Paul Gould, PhD, LICSW, founder of Kindred Spirits Counseling and Wellness. Together, they dig deeper into the emotional toll political uncertainty and federal job instability are having on workers—and what can be done about it.With tensions rising across political lines and anxiety driven by job insecurity, D
3 Million Stressed Out Federal Employees - EP. 170
In this episode of Ditch the Suits, host Travis Maus sits down with Dr. Paul Gould, PhD, LICSW, a licensed clinical social worker and expert in anxiety and trauma, to unpack the mounting stress experienced by federal employees amid sudden funding cuts and workforce changes.With nearly 35% of all U.S. jobs tied in some way to federal funding, these shifts are rippling across the economy—impacting i
Tariffs, Egg Prices, and Your Financial Future - EP. 169
In this episode, Travis and Steve delve into the complexities of tariffs, egg prices, and the broader implications for financial futures. They challenge common narratives surrounding these topics, emphasizing the importance of understanding the underlying factors affecting prices and regulations. The conversation highlights the role of supply issues, regulatory policies, and the misconceptions sur
Market Crashes. Now What? - EP. 168
In this episode, Travis and Steve discuss how to navigate market volatility, emphasizing the importance of understanding market corrections and crashes. They explore strategies for profiting during downturns, including Roth conversions and identifying investment opportunities. The conversation highlights the wisdom of Warren Buffett, encouraging listeners to view market fluctuations as "opportunit
4 Common Tax Reduction Mistakes - EP. 167
In this episode, Travis and Steve delve into the complexities of taxation, focusing on common mistakes individuals make regarding tax reduction strategies. They discuss the difference between tax loopholes and traps, the concept of tax loss harvesting, and the risks associated with market timing. The conversation also covers the implications of deferring income taxes, the challenges of capital gai
An Inside Look at Financial Planning at S.E.E.D. Planning Group - EP. 166
We're diving deep into the world of financial planning with our awesome guest, Jeff Chase! Jeff is Vice President of Financial Planning and a Senior Wealth Manager at S.E.E.D. Planning Group.This episode shines a spotlight on the critical importance of choosing not just a financial planner, but the right firm that supports them. We discuss how organizations can make or break your financial journey
The Business of Financial Planning - EP. 165
Today, we're diving deep into the nitty-gritty of what makes a financial planner the "real deal." Our special series guest, Jeff Chase, VP of Financial Planning and Senior Wealth Manager at S.E.E.D. Planning Group is back with us, and together we're about to drop some insights that’ll help you see through all the shiny sales pitches out there. We’re breaking down the art of financial planning and
Change is Needed in the Financial Industry - EP. 164
Our special guest, Jeff Chase, Senior Vice President of Financial Planning at S.E.E.D. Planning Group, is back! In this episode, we're diving deep into financial planning and exposing financial advisors and professionals who might be more about sales than sound advice.We'll break down how to distinguish experienced, qualified financial planners from those who are just in it for the commission—beca
Getting to Know Jeff Chase Sr VP, Financial Planning - EP. 163
Navigating the world of financial advising can feel like wandering through a maze blindfolded. Not every financial advisor is created equal—some have the credentials and expertise, while others just have the title. So, how can you tell the difference?In this brand-new four-part series, we’re joined by Jeff Chase, Senior Vice President of Financial Planning at S.E.E.D. Planning Group. Together, we'
Are the Markets Rigged? - EP. 162
Have you ever felt like the stock market is rigged against you? Well, you’re not alone in that sentiment, but we’re here to pull back the curtain and show you that it’s all about understanding the rules of the game.Throughout the episode, we argue that many investors are distracted by the flashy allure of 'instant wealth' while ignoring the real strategies that could lead to sustainable success. W
A Guide to Buying Investments - EP. 161
Ever feel like the investment world is just one big emotional rollercoaster? Well, you’re not alone! We’re diving into the nitty-gritty of why the average investor is at a serious disadvantage and how to flip the script. We kick things off by addressing the emotional rollercoaster that is the stock market, likening it to an emotional teenager throwing tantrums over price fluctuations. It’s all abo
Why Investing is Boring - EP. 160
Would you like your investments to have more good days than bad days? Are you tired of logging in and seeing your investment account balances dropping? Why does the stock market feel like an emotional teenager throwing tantrums and making drama? Well, that's what we're diving into today!We’re breaking down how the ups and downs of your investments mirror the wild mood swings of adolescence—think m
What Is The Estate Attorney's Job - EP. 159
This episode dives into why teaming up with a competent attorney is essential for your financial well-being, especially when it comes to estate planning. We’ve got our go-to legal expert, Kristen Luce, Partner at Coughlin and Gerhart LLP, back in studio to share how the right attorney can make all the difference in ensuring your assets are handled according to your wishes. We chat about the import
Finding a Good Estate Attorney - EP. 158
Today, we're diving headfirst into the nitty-gritty of estate planning with our special guest, Kristen Luce, Partner at Coughlin and Gerhart, LLP, who knows this stuff like the back of her hand. Our episode kicks off with a casual banter that sets the tone for a relaxed yet informative discussion. Kristen shares her journey and passion for helping clients navigate the often murky waters of estate
$17.5 Million for Potentially Misleading Statements about ESG Investing - EP. 157
We’re diving deep into the world of trust (or lack thereof) in the financial services industry! This episode is all about how trust in your financial advisor should be more than just a warm fuzzy feeling; it needs to be backed by proactive planning and accountability. We'll break down two compelling cases: one involving a major investment firm hit with a $17.5 million civil penalty for allegedly m
Top Quality in a Financial Advisor – Trust or Performance? - EP. 156
In this special episode of Ditch the Suits, Travis and Steve break down the results of a recent survey that asked 1,000 investors working with financial advisors: What matters more—trust or performance?Should it be just one thing or a combination? Don’t you deserve to work with someone who you can both trust not to rip you off and expect performance from? Join us as we challenge the status quo and
What Are Your Estate Planning Options - EP. 155
Jess Blake, Certified Trust and Fiduciary Advisor and Senior Wealth Manager at S.E.E.D. Planning Group returns for the last episode in this series to help clarify the common misconception that estate planning is only necessary for the wealthy or elderly. We engage in a lively debate, dispelling these myths and emphasizing that anyone over 18 with any form of asset should consider an estate plan. T
Estate Planning: Legal Disasters vs Practical Advice - EP. 154
Estate planning is one of those things that we often put off until it’s too late. This episode of Ditch the Suits is here to change that mindset! We’ve got Jess Blake, Certified Trust and Fiduciary Advisor and Senior Wealth Manager at S.E.E.D. Planning Group back with us, and she’s about to drop some bombs about how to avoid those critical estate planning blunders that could haunt your family long
Unleashing Clients - EP. 153
In this episode, we dive into estate planning with Jessica Blake, a Senior Wealth Manager and Certified Trust and Fiduciary Advisor (CTFA) at S.E.E.D. Planning Group. Jessica shares real-life insights from working with clients every day, shedding light on the critical mistakes people make that can jeopardize their financial legacy.We explore why estate planning is often overlooked, how proper plan
The Unleashed Fiduciary - EP. 152
This episode of the Ditch the Suits focuses on the critical importance of estate planning and the common mistakes people make in this area. Travis and Steve welcome Jessica Blake, a Senior Wealth Manager and Certified Trust & Fiduciary Advisor (CTFA) from S.E.E.D. Planning Group, with extensive experience in estate planning, to share her insights. They discuss what constitutes an adequate esta
Financial Advice, Rip Off Alert - EP. 151
Understanding your personal finances means treating them like a business, and that's exactly what this episode of Ditch the Suits emphasizes. Travis and Steve dive into the importance of recognizing yourself as the boss of your financial situation, encouraging listeners to engage with financial advisors as if they were hiring employees. They discuss the pitfalls of over-reliance on financial profe
Real People, Real Financial Advice - EP. 150
In our last episode, we did a status check on the state of the financial advice industry. We discussed that the term financial advisor is meaningless and how you can get more information on any potential financial advisor or firm you may consider working with. This episode is an open conversation about some of our experiences helping people find real value via financial planning.This episode of Di
Should You Do Business with a Financial Advisor - EP. 149
Have you ever thought “should I work with a financial advisor” or if you already do, “do I need a second opinion?” Or maybe, “aren’t all financial advisors the same?” In this episode you’ll get the answer to these questions and more as we dig into the state of the financial advisor industry.Should you hire a financial advisor? This question lies at the heart of the latest discussion on the Ditch
Holiday Message from Travis and Steve - EP. 148
The holiday season brings a unique blend of reflection and anticipation for us on the Ditch the Suits podcast. In this episode, we take a moment to appreciate our journey over the past year, celebrating a remarkable 34% growth in listenership. We’re excited to share updates to our content strategy, including guest interviews and deeper dives into key topics, to offer varied insights from active pr
Ditch the Suits Podcast - A Year In Review - EP. 147
Join us as we dive into a comprehensive recap of the past year's highlights from our Ditch the Suits podcast. This episode reflects on the critical financial insights we've shared, focusing on the importance of understanding your money in the context of life and personal fulfillment. From navigating estate planning to tackling the complexities of bonds, we explore how our discussions have aimed to
You Are Worth It. Don’t Disinherit Yourself When You Lose Your Significant Other. - EP. 146
This episode of the Ditch the Suits Podcast dives deep into the emotional and financial complexities that arise after losing a loved one.. Co-hosts Travis Maus and Steve Campbell emphasize the importance of taking time to grieve and not rushing into decisions, advocating for a thoughtful gap analysis to assess financial needs and future goals. They explore the potential emotional burdens tied to p
Rebuilding Life After Death - EP. 145
This episode of the Ditch the Suits Podcast explores the profound challenges of rebuilding life after the loss of a loved one. It focuses on both the emotional and practical decisions that arise in the wake of such a life-altering event.A show follower asked Travis and Steve about their experience managing a family farm after losing a partner while also navigating the responsibility of caring for
Tax Deductions – How to Get More! - EP. 144
This episode of Ditch the Suits Podcast delves into the intricate world of financial planning, particularly as the year draws to a close. Hosts Steve Campbell and Travis Maus discuss practical actions that individuals can take before the end of the year, emphasizing the importance of understanding capital gains and the potential benefits of tax loss harvesting. The discussion highlights the distin
ROTH Conversions, 401k Strategies, and Income Tax Planning - EP. 143
This episode of the Ditch the Suits podcast gives practical financial insights that can significantly impact your money management strategies.Steve Campbell and Travis Maus emphasize the importance of completing a personal tax assessment, which acts as a mock tax return to identify potential opportunities and gaps in your financial planning.They also discuss the critical need to revisit your 401(k
Effective Budgets and Income Sourcing Plans - EP. 142
This episode focuses on practical financial strategies for preparing for the end of the year and setting yourself up for success in the coming year. Travis and Steve discuss the importance of revisiting your budget, emphasizing that it should be a flexible tool rather than a rigid constraint. They introduce the concept of an income-sourcing plan for those approaching retirement, highlighting how t
Hidden Costs of a High Salary
In this episode of Ditch the Suits, Steve Campbell and Travis Maus discuss the hidden costs of a high salary. They emphasize that financial freedom is more than just money and that stress and anxiety can lead to an unfulfilled life. The conversation explores whether a high salary equates to job satisfaction and personal happiness, the importance of considering the benefits package, and the possibi
Major Mistake When Selling a House or Business
In this episode of Ditch the Suits, Steve Campbell and Travis Maus discuss the mistakes people make when selling a house or a business. They highlight the concept of anchoring bias, where individuals become fixated on a specific number and are unwilling to consider other options. They provide examples of how this bias can lead to financial losses and missed opportunities. The conversation covers t
2024 Proposed Tax Policy Grab Bag (Part 2)
Part 2 of the Proposed Tax Policy Grab Bag delves into the potential repercussions of proposed tax legislation that could significantly impact wealth creation and financial mobility, particularly for middle-class individuals and small business owners. We discuss how changes to capital gains taxes, eliminating the step-up basis at death, and increased taxes on stock buybacks could lead to double ta
2024 Proposed Tax Policy Grab Bag (Part 1)
This episode delves into the potential impact of proposed tax policy changes that could significantly affect Americans, particularly those making over $400,000, and the broader implications for everyday citizens. We discuss how these tax changes, including increases on capital gains and the introduction of new taxes, may not only target high earners but could also trickle down to the average perso
The Financial Doomsday of an Unrealized Capital Gains Tax
This episode into the controversial proposal of taxing unrealized capital gains, a measure that could have far-reaching consequences for individuals and the economy at large. Hosts Steve Campbell and Travis Maus break down the implications of such a tax, emphasizing that it not only targets the ultra-wealthy but could also negatively impact everyday Americans. They discuss how taxing assets that h
The Nightmare of Taxing Unrealized Capital Gains
We continue our series by taking a critical look at the proposed taxation of unrealized capital gains, a topic that has stirred considerable debate among financial experts and policymakers. We initiate the conversation by defining unrealized gains—the increase in value of an asset that has not yet been sold—and how the proposed tax would apply primarily to individuals with substantial wealth, spec
Surprise Effects of Increasing Corporate Taxes
**We are pausing our current series to bring you five timely episodes surrounding suggested new tax policies**In this new series, we delve into the complexities of corporate taxation and its implications for individual investors. We argue that while raising taxes on corporations may seem like an attractive solution for increasing government revenue, the actual burden often trickles down to shareho
Why Your Net Worth Is The Wrong Number To Track
In this episode of the Ditch the Suits podcast, Steve Campbell and Travis Maus discuss why net worth is the wrong number to track for financial freedom. They emphasize that financial freedom is not just about money, but also about living a fulfilling life free from stress and anxiety. They explore why people stress about the volatility of their net worth and the value of their future estate. Travi
Do YOU Need $1,000,000 to Retire?
In this episode of the Ditch the Suits podcast, Steve Campbell and Travis Maus discuss the question of whether you really need a million dollars to retire. They explore the concept of financial freedom and how it is not just about money but also about living a fulfilling life. They challenge the idea of setting arbitrary financial goals and emphasize the importance of understanding one's own uniqu
How the Media Uses Politics, Social Issues, and Market Volatility Against Us.
In this episode, Steve and Travis discuss the impact of the media on our perception of current events and how it can influence our financial decisions. They highlight the framing techniques used by the media to shape our understanding of issues and the biases that can be present. They also provide examples of how the media has portrayed presidential candidates in the past and the negative tone oft
A Broader Perspective on the Long-term Impact of Inflation.
In this episode, Steve and Travis discuss the impact of inflation and the importance of understanding compound interest. They emphasize that inflation is a real concern and can erode the value of money over time. They explain how compound interest works and how it can help grow wealth. They also highlight the dangers of being too conservative and not taking enough risk to combat inflation. The epi
New DEI Issues with ESG/Socially Responsible Investing
In this episode, Steve and Travis discuss the concept of DEI (Diversity, Equity, and Inclusion) and its impact on ESG (Environmental, Social, and Governance) investing. They explain that DEI is a relatively new hot topic and how it has become a part of the socially responsible investing space. They highlight the importance of understanding the definitions of ESG and SRI (Socially Responsible Inves
This May Help You Avoid Irreparable Harm To Your Portfolio
In this episode, Steve Campbell and Travis Maus discuss the concept of irreparable harm to your investment portfolio and how to avoid it. They emphasize the importance of understanding the difference between price and value when making investment decisions. They also highlight the significance of diversification and the correlation coefficient in managing risk and maximizing returns. The
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