Mindset is a show dedicated to honest, inspiring and thought provoking conversations about money, and unpacking the truth and circumstances around how human beings are wired. It aims to bridge the gap between how we think, feel and ultimately act with our finances. The goal is to help you understand your “WHY” when it comes to your money. Join us each week as we discover the inner wealth in all of us. Your host Brad Barrett, CFP® is a Managing Director and Partner at One Capital Management, ...
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Weathering Stock Market Volatility
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With recent volatility in the market, it is easy to panic. However, what may look one way, could mean opportunity! On today's show, Brad addresses our concerns as it pertains to current market shifts, reminding us all that this is not uncharted territory and to just stay the course. Listen Now! Show Highlights Include: This Has Happened 17 Times. (…
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Replacing Taxes With Tariffs
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20:03
Recently, Former President Donald Trump proposed that the U.S. replace taxes with tariffs. This had politicians on both sides of the aisle scratching their heads. Although this could be a good idea, “in theory”, it will not likely happen. Today, Brad gives a little history on tariffs and taxes, along with some unbiased data and insight. Listen Now!…
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Do Presidential Elections Affect The Stock Market?
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20:06
Ready or not, we have an election coming up this November and many of us are bracing to see how the market responds. But do elections REALLY have an affect on the stock market? Today, Brad takes us through a 100 year timeline on election data and how it coincides with the U.S. market. The results may surprise you. Listen Now! Show Highlights Includ…
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Waiting On The FED & Interest Rate Rumors
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If you have been following news pundits on the subject of inflation, you might be scratching your head, but also becoming a little impatient… for good reason. Today, Brad walks us through discussions in the media regarding inflation and interest rates. And with so many rumors and opinions, it is hard to find the real story. We have you covered! Lis…
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Ensuring Your Money Lasts!
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Would it surprise you that the global population over the age of 65 is expected to double from 10% to 20% by the year 2060? This increase in longevity concerns many people as it pertains to their retirement. On today’s show, Brad takes us through 3 ways all of us can address the question of, “Will I have enough money in retirement?” Listen Now! Sho…
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5 Money Habits To Avoid
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Behavioral traits have a lot to do with the success and failure of managing our money. Today on the show, Brad shares 5 habits we should all stay away from, that could be keeping us “broke” or simply hindering us from reaching our financial goals. Listen Now! Show Highlights Include: Habit 1: Overspending. (4:55) Habit 2: Waiting For The Wrong Reas…
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LA Dodger, Shohei Ohtani's $7M Contract
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Having the right team around you, matters... especially when it comes to our money. Today, Brad breaks down the 7 million dollar contract Shohei Ohtani signed with the LA Dodgers this off-season. The way it is structured will shock you… but there is much we can learn about planning for the future. Listen Now! Show Highlights Include: The Largest ML…
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Compound Interest, "The Grain Of Rice Fable"
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Dating back to the 13th century, the "Grain of Rice" fable has long been told in order to teach the simple concept of compound interest. Today, Brad shares this important tale and how it relates to the Rule of 72. You don't want to miss this tried and true investing tip! Listen Now! Show Highlights Include: The Grain Of Rice. (2:50) Seeing The Ligh…
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Perception vs Interpretation on the Economy
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Perception and interpretation are very different… and when it comes to the economy, these can get very convoluted. Those who are more optimistic may see a more promising year and those who are more pessimistic could be more skeptical. On today’s show, Brad breaks down the famous and ambiguous illustration of the Duck and Rabbit, and how we should b…
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Money Solutions For Evolution
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The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes. Today, Brad discusses where we are versus where we have been when it comes to retirement, reminding us all that our age does not really matter. Listen Now! Show Highlights Inclu…
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Budget Spending and The 2024 Election
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With 2024 comes an election year, and a top concern for many of us will be the economy. However, the big question will be, “Will there be any clear answers to what is broken?”. Today on the show, Brad paints a clear picture to what has happened over the course of a few years regarding government spending and reminds us to look in the mirror and put…
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What To Look For In 2024
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With 2023 behind us, it is always good to reflect on the year we had but more importantly what lies ahead in 2024. On the first show of the new year, Brad talks what the "experts" got right and what they got wrong in 2023... reminding us that no matter how this year turns out, we must ask ourselves, "Can my portfolio weather a storm?". Listen Now! …
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A Little Different Christmas Story
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We have all heard the true story of Christmas... The Savior, Mary and Joseph, the stable and wise men, but there is a different way to look at it. Today on the show, Brad sheds light on the In Keeper who only had a stable for for Mary and Joseph. This new perspective may surprise you! Listen now. Show Highlights Include: The Story Of Old. (1:38) An…
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What The Fed Should Do In 2024
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Where are you in your financial world? Are you looking to buy or sell? These have different pain points regarding current interest rates. However, making sure we take a global view as it relates to how those rates got here and where we are going, may be a great perspective. Today on the show, Brad discusses what the Federal Reserve should do in 202…
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Discover The Purpose Of Your Money
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It is easy to get caught up with current events going on around the world and even what is going on in the markets. With information at our fingertips, distractions are an every day occurrence… the same goes with our money. Today, Brad’s challenges us to think about and discover the purpose of our money as it relates to our investments, retirement …
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A Divided America? Let's Give Thanks.
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Has America been a more divided nation? Actually yes... But let us all remember to be gracious and kind to one another and most of all THANKFUL for what we have this Thanksgiving. Show Highlights Include: Division Is Nothing New. (:33) Just Be Kind. (1:43) The Autumn Harvest of 1621. (2:57) The Cornerstone Of Society. (6:19) The election Of 1960. (…
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Price Is NOT Always About Dollars & Cents
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We have all heard the phrase, “Nothing Is FREE”. But not all prices appear on labels… in particular the markets and volatility. On today’s show, Brad helps us better understand volatility, value and managing the long run when it comes to our money. Plus, he offers a FREE gift! Listen now. Show Highlights Include: Diversification Matters When Things…
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Variability Is The Spice Of Life
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Most people try to avoid any situation that is volatile because they generally involve risk. But when it come to investing, it could be misleading to believe volatility equates to risk. In today’s show, Brad discusses this topic of variability in a story driven way, plus educates all of us on how to filter the financial “noise” we hear every day. L…
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Tips To Becoming A Successful Financial Couple
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Did you know that 1 in 5 married couples say that finances is the greatest issue they face in their relationship? Money and finances can be a very uncomfortable topic for many couples, but there is hope. Today on the show, Brad shares 5 tips to becoming a successful financial couple. Listen now. Show Highlights Include: Financial Incompatibility Is…
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Volatility Is Neither Good, Nor Bad
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As we move into the 4th quarter of 2023 and take a look back on the year, the word “Volatility” stands out like a giant billboard sign. But what if volatility was not as bad as it is made out to be? On today’s show, Brad defines, measures and brings context to volatility, reminding us that today’s concerns are tomorrow’s past. Listen now. Show High…
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How much would you pay for advice? Oddly enough, many people will spend large sums of money on people and things, hoping to improve their lives but will focus less on financial advice. Today, Brad breaks down the 3 components of wealth management and discusses how our own biases can hold us back when it comes to return on investments. Listen now. S…
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6 Myths About Life Insurance
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There are a lot of misconceptions when it comes to life insurance and for some it can be an uncomfortable subject matter. However, with September being life insurance month, now is a great time to discuss it with your financial advisor or professional. On today’s show, Brad discusses 6 myths around life insurance, as well as how to use it, when to …
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If You Lose A Loved One: Brad's Checklist
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When we lose a loved one, making the grieving process less painful is challenging. There are many decisions to be made and it can be a daunting task. Today, Brad shares a helpful checklist that could help us all manage the grief we may go through when someone we care about, passes away. Listen now. Show Highlights Include: Rationalizing Grief. (2:4…
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Money, Emotions and Love For Lahaina
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19:53
After the recent and tragic events in Lahaina, Hawaii, Brad reflects on his time living on Maui and the rush of emotions that has flooded his family's mind. Today, Brad reminds all of us how money is not always rational and if we lose ourselves emotionally when it comes to our finances, it could be a detriment to our overall financial journey. List…
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Questions Your Advisor Should Be Asking You
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People are behavioral beings and many times we bring our behaviors into our financial life, which could hurt us in the long run, causing us to make wealth destroying decisions. Today, Brad reveals 6 questions your advisor should be asking you, encouraging us all to have open dialogue with those helping us with our finances so we can protect what we…
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A Clinic On, "RECESSION"
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Recession has been a looming word over the past year or so and by now many have become a bit numb to the topic. However, there are a couple of interesting theories around recessions and how they relate to our finances. Today, Brad gives some education, background and history when it comes to recessions and how it relates to mortgages, Wall Street a…
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Is A.I. Taking Over Your Investments?
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A current buzzword in the media as it relates to money and investments is Artificial Intelligence. Right now, the Magnificent 7 (Meta, Google, Amazon, Apple, Microsoft, Tesla and Nvidia make up 28% of the S&P 500 value. This is unprecedented. Today, Brad breaks down what this could mean for your investments and the future going forward. Listen now.…
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3 Financial Life Phases
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Like the changing of seasons, financial planning has patterns. In fact, there are 3 phases in life all of us will go through when it comes to our financial journey. Knowing where you are in yours could help you plan much better. On today's show, Brad shares the 3 financial phases, hoping you will discover which you are in so you can move toward fin…
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Why Treasury Bills & Treasury Bonds Matter
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Is there any investment that is "Risk Free"?... Not exactly. However, there are options out there that are not the most "sexy" but have much lower risk, which could be appealing to some investors. On today's episode, Brad shares the differences between Treasury Bills and Treasury Bonds, plus how to purchase them and why they could be a great additi…
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Financial Freedom Is All About Income
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If the things you thought were true were actually wrong... when would you want to know? With regards to finances, misconception can cause costly consequences. In today's episode, Brad explains how your financial freedom rests on understanding WHAT you are doing with your money and WHY you are doing it. Listen Now! Carrying Around Half Truths. (1:44…
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Am I Going To Be Okay In Retirement?
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16:16
Many of us stress about where we will be financially in retirement and often ask the question, "Will I have enough to last?"... What it takes to protect what you save for retirement can be quite simple. Today on the show, Brad shares 5 things that could help everyone achieve their retirement planning goals, reminding us that it is not WHAT you own …
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The History of U.S. DEBT: A Timeline
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11:08
With continued media buzz around the U.S. debt ceiling, it has many people concerned but also short-sighted about how long the U.S. has actually been in debt... and if we as a country are in trouble when it comes to the debt we are holding. In today's show, Brad takes us through a historic timeline of the U.S. federal debt going back to our indepen…
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5 Alternative Places To Put Your Cash
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For most of us, the only place we hold our cash is in a bank... because that's what most of us know. But what if there were some alternative places to put your cash? The answer is: There are 5. In today's show, Brad shares 5 places you can hold your cash that could provide very positive returns. Listen now. Show Highlights Include: What Does Your B…
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When To Jump Into The Market
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With the debt ceiling conversation leading the news AGAIN, and with volatility running amuck, it has many people asking the question... "When should I get into the market?" On today's show, Brad shares his take on when to get into the market and his answer may not be what you expect. Listen now. Show Highlights Include: Surf's Up When Investing. (2…
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A Money Conversation With My 93 Year Old Grandfather
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Within the next couple of decades, the largest transfer of wealth will occur in generational history. What we can glean from those born between the 1920's and 1960's is immeasurable. In today's show, Brad shares his very vulnerable conversation he recently had with his 93 year old grandfather and what we can all learn about money from those who cam…
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Recession Proof, Your Retirement
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15:38
We have been on the cusp of a recession for quite some time. Some would say we have been in a recession for awhile... No matter if we are or we aren't, these talks make the headlines daily. But, does it change what most of us already know about the economy? In this episode, Brad shares 3 things to recession proof your retirement in whatever stage o…
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The DEBT Ceiling Conversation Is BACK
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18:43
The debt ceiling conversation always seems to be on the news rotation. Although there will be rhetoric and brinksmanship attached to these headlines, there is always more to the story. In today's episode, Brad gives a short history lesson on debt and shares an in depth look of what is really going on. Listen now. Show Highlights Include: When Debt …
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Time, Money and Freedom
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Many of us battle our emotions as it relates to the decisions we make regarding our money. Unfortunately, this can lead to wealth destroying outcomes. In today's episode, Brad discusses the concept of Time and Money and how together they could equal Freedom. Listen now. Show Highlights Include: Investing Is 10% Intellect And 90% Emotions. (1:58) Co…
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Market Cycles Change Like The Seasons
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With Spring in the air, it is a good reminder that just like seasons change, so do market cycles. So, it is important not to get caught up in media rhetoric or social media hype when it comes to our investments and the market. In today's episode, Brad gives us a great analogy on seasons and investing and how we should be careful not to get lost in …
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The State Of The U.S. Dollar
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If you have been listening to the current headlines, the state of the U.S. dollar has been a large topic of discussion and the question commonly asked is... "Will the world ditch the U.S. dollar?" In this week's episode, Brad gives a short history lesson on the world's currency, plus the "What if..." scenario in regards to the U.S. dollar. Listen n…
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4 Reasons Your Retirement Will Change
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If we all stopped to think about who we were ten, five, even one year ago, we could all probably agree that we have grown and perhaps changed in certain ways. This also goes with our retirement planning. In today's episode, Brad discusses life's changes, how we adapt and more importantly, how our mindsets may change about our retirement. Listen now…
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The Value Of An Advisor During Market Turmoil
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It is interesting how many of us improve our lives with different types of coaching, counseling and advising. However, many do not consider these when it comes to our money. In today’s episode, Brad shares 3 pillars of advice when it comes to finances and why having a financial advisor is so important during times of market turmoil. Listen now. Sho…
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What the SILICON VALLEY BANK Means to Your Investments
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Last Friday, The Silicon Valley Bank collapsed and became the second largest bank failure in U.S. history. With the news media in a frenzy, this event has many individual investors wondering how it will affect their money. In today's episode, Brad discusses Charles Schwab's company statements and what this bank collapse means for many of us. Listen…
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"Real Talk" About INVESTING
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17:09
Investing has its ups and downs and for many, it is difficult to navigate the landscape. Understanding the investment "playbook" can be a challenge but it can be done with discipline. In today's episode, Brad "gets real" about investing by sharing some of his personal journey, plus things to understand about your past that could create a better fut…
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It's everyone's favorite time of the year... TAX SEASON! And for some, tax season presents many challenges... some old and some new. But there could be light at the end of the tunnel. In this episode, Brad shares 3 very important frames of reference you should be discussing with your tax preparer. Plus, a little reminder of why we pay income tax in…
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Why do many people feel more secure holding onto cash? Is it upbringing or something learned from someone else? What if you were told that holding your cash could be costing you money? In this episode, Brad discusses what you can do if you are sitting on cash and the options you have to make it to work for you. Listen now. Show Highlights Include: …
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Understanding The Budget Deficit
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One of the largest financial topics hitting the media today is the budget deficit. Currently, it is on an unstable path but being careful not to fall for false narratives is important. So, what should we do? In this week's episode Brad gets to the root of the problem as it relates to the debt ceiling, as well as government spending and shares 5 key…
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If the U.S. dollar bill weighs 1 gram, why does it weigh so heavily in our hearts?... And, how does it have so much power over our personal lives? In today's episode Brad discusses how we can can control our outlook on currency. Plus, he shares some myths about millionaires and what makes them extraordinary. The answer may surprise you. Listen now.…
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Investing Is A Balancing Act
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The Flying Wallendas were a group of stunt performers made famous for their tightrope walking, high-wire acts. But, their talented and notable walks weren't the only reason they were successful. In fact, some would say it was their preparation. In this week's episode of Make Your Money Matter, Brad explains why planning coupled with "actively waiti…
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How To Avoid Emotional Investing
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Our emotions can affect many facets of our lives, especially our money. Unfortunately, emotional investing could devastate your portfolio even if you have good discipline. In this episode, Brad exposes 3 biases that negatively impact our investments and the keys to identifying them. Listen now. Show Highlights Include: The Difference Between The Br…
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