Episodes

In this episode, Ryan Burklo discusses the single biggest factor that contributes to financial success: managing cashflow. He highlights the flawed cashflow management system that most people have, where income increases are often accompanied by...

In this episode, Ryan Burklo discusses investment portfolios and the importance of diversification and asset classes. He introduces a tool for analyzing the performance of different asset classes over a 50-year period. Burklo highlights the potential...

In this episode, Ryan Burklo and Alex Collins discuss alternative investments and whether or not they are suitable for individual investors. They define alternative investments as those that do not fall into traditional categories like stocks, bonds,...

In this episode, Ryan Burklo discusses the four factors that impact financial success: the amount of wealth, location of wealth, true liquidity ratio, and taxes. He emphasizes the importance of considering these factors when planning for retirement...

In this episode, Ryan Burklo interviews Katie Ludwick, an estate planning attorney, about estate planning. They discuss the potential changes to the federal estate tax, the Washington state estate tax, and the importance of proactive planning. They...

In this episode, Ryan Burklo and Alex Collins discuss the metrics for analyzing financial health. They introduce the concept of top line being vanity, bottom line being sanity, and cash flow being reality. They emphasize the importance of measuring...

In this episode, Ryan Burklo and Alex Collins discuss the importance of knowing who you don't want to be in order to become the person you want to be. They explore the default path that many people follow and the need to break free from societal...

In this episode, Ryan Burklo and Alex Collins discuss the importance of tracking cash flow and steps to attain financial goals. They emphasize the need to understand abstract goals and how expenses play a role in achieving them. The hosts also...

In this episode, Ryan Burklo and Alex Collins discuss the impact of fixed interest rates on financial decisions. They explore how low interest rates can make people feel trapped in their current situations, whether it's buying a new home or making big...

In this episode, Ryan and Alex discuss why you don't plan for your finances the way that you should.  The beer of the day is Nothing But Hazy by Black Raven Brewing. If you would like to learn more about this beer, please visit their website If...

In this episode, Ryan Burklo discusses the formula for vision and how it applies to personal finance. He shares his experience with the 75 Hard program and how it has pushed him to think differently about himself and his finances. The formula for...

Summary In this episode, Ryan Burklo and Alex Collins discuss the number one problem for most people with their personal finances: cash flow. They explore the default cash flow management system that most people use, where income goes directly into a...

In this episode, Ryan Burklo discusses how going for a walk can help improve your finances. He shares his personal experience of struggling to find time for communication with his spouse and how they decided to go for a walk every morning to spend...

Summary In this episode, Ryan Burklo and Alex Collins continue their discussion on turning assets into income in retirement. They emphasize the importance of understanding this process early on, even if retirement is still far away. The conversation...

In this episode, Ryan Burklo and Alex Collins discuss how money is taxed in retirement. They emphasize the importance of considering both current and future taxation when making financial plans. They provide a historical overview of federal income tax...

Summary In this episode, Ryan Burklo and Alex Collins discuss the concept of true liquidity and its importance in retirement planning. They explain that true liquidity goes beyond cash reserves and savings, and involves considering what assets will be...

Summary In this episode, Ryan Burklo and Alex Collins discuss investment philosophy and the different approaches to investing. They cover three main styles: active management, passive management, and structured management. They also touch on the...

In this episode, Ryan Burklo discusses five ways to build wealth and maximize life. He emphasizes the importance of spending money on items that truly matter, focusing on what can be controlled, protecting income and family's wealth, creating lasting...

In this episode, Ryan and Alex discuss 3 takeaways from Morgan Housel's new book Same As Ever.  The beer of the day is Farmhaze IPA from Remlinger Brewery. If you would like to learn more about this beer, please visit their website If you...

In this episode, Ryan and Alex discuss the top five things they would tell their moms to ask if they were interviewing financial advisors. The beer of the day is Pitchfork IPA from Remlinger Brewery. If you would like to learn more about this beer,...

In this episode, Ryan and Alex discuss what your competing priorities are costing you in your everyday life with your finances.  The beers of the day are Remlinger Brewery's Gary IPA and Fremont Brewing's Sky Kraken IPA. If you would like to...

In this episode, Ryan and Alex discuss the state of the world and how you can prepare your finances to weather the storm. The beers of the day are Tolt IPA from Valley House Brewing and Lucille IPA from Georgetown Brewing. If you would like to learn...

In this week's episode, Ryan and Alex discuss 3 concerns you should address now so you are prepared for retirement.  The beer of the day is a Pilsner from Fired Up Brewing in Colville, WA. If you would like to learn more about this beer, please...

In this episode, Ryan and Alex discuss lessons on how to talk about money within your marriage.  The beers of the week are Flocktoberfest Lager from Black Raven Brewing and Sam Addams Octoberfest. To learn more about these beers, please visit...