The Get Ready For The Future Show

"We’ve always had separate accounts and we’re both retiring next year. Is it time to combine, or should we keep things separate?" We’re answering YOUR questions on this week’s Get Ready For The Future Show! • I inherited my dad’s IRA last year and I’m confused about the 10-year rule. Do I have to take distributions every year or just by the end? • I’m in my early 60s and have never worked with a financial advisor. How much does it typically cost, and what should I expect from that relationship? • Our adult son is struggling financially. We want to help without enabling bad habits. What’s the best way to support him? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 4/8/2026

The Iran-US ceasefire just sent shockwaves through global markets — and your portfolio could be affected. In this week's Fastest 4 Minutes in Finance, Scott Inman breaks down what the preliminary ceasefire agreement means for oil prices, stock valuations, inflation, interest rates, and your long-term investment strategy.

Are retirement taxes the biggest threat to your financial future? A new study shows that 70% of Americans are worried about taxes in retirement, and for Gen X, that number jumps to 80%. If you’re relying on a 401(k) or IRA, this is a conversation you can’t afford to ignore. In this episode of Fastest 4 Minutes in Finance, we break down: • Why withdrawals from tax-deferred accounts can push you into higher tax brackets • How your income could increase Medicare premiums by thousands • The hidden risk of waiting too long and getting hit with Required Minimum Distributions (RMDs) • Smart strategies like Roth conversions and tax diversification to create more tax-free income

“I’m 65 and still working. I have a large traditional IRA and I’m worried about RMDs later. Should I start Roth conversions now?” We’re answering YOUR questions on this week’s Get Ready For The Future Show! We have $150,000 in a savings account earning almost nothing. What are our options for getting better returns without taking on big risk? I’m 70 and want to gift some of our money to our grandkids now while we’re alive. How do we do that smartly? Our home has skyrocketed in value. Should we downsize now and invest the proceeds, or ride it out longer? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 4/1/2026

“I’ve heard the first few years of retirement are the most financially vulnerable. Why is that, and what can I do about it?” We’re answering YOUR questions on this week’s Get Ready For The Future Show! • I’m 50 and recently divorced. I split retirement assets in the divorce, but now I’m not sure if I’m still on track. How do I rebuild with a 15-year timeline? • We’re both 62 and wondering if it’s better to take Social Security now or wait until 67. The break-even math is confusing. • Our financial advisor is retiring soon. What should we look for when choosing someone new? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 3/25/2026

Is the U.S. dollar really collapsing, or is this just another wave of fear-driven headlines? In this week’s Fastest 4 Minutes in Finance, we break down what’s actually happening with the dollar after it hit a 4-year low following a 10.7% decline in 2025 and why the story isn’t as simple as it sounds.

An inheritance can be a gift — or a burden. We’re answering YOUR questions on this week’s Get Ready For The Future Show! ✅ We just inherited my parents’ house. Should we sell it now or hold it as a rental? ✅ I have several IRAs from different jobs. Should I consolidate them into one account? ✅ We’re retired and have plenty invested. Do we still need a separate emergency fund? ✅ We’re in our early 70s. Is a reverse mortgage ever a good idea — and what should we watch out for? We’ll break down the pros, cons, and planning considerations behind each of these important retirement decisions. All this straight talk and more LIVE, Wednesday at 11:30! 🎙️ – ❓ Have your own questions? Call or text us at 501.381.5228 or email [email protected] . We’re here to help you navigate the journey to true financial independence. – #financialindependence #retirementplanning #inheritanceplanning #reversemortgage #IRA #retirementincome #financialadvisor #financialplanning #personalfinance #genwealthfinancialadvisors #financialeducation #financialliteracy #investing #investmentstrategy #QandA #podcast #radioshow #radio

Join me on this episode of The Get Ready For The Future Show as we delve into the fascinating intersection of politics and the stock market during midterm election years. With the recent primary elections in Arkansas and the upcoming general elections nationwide, I’ll share insights from Chris Fasciano, Chief Market Strategist at Commonwealth. We’ll explore how historical trends reveal that midterm election years typically see lower average stock market returns and increased volatility. However, don’t let that discourage you! Discover why the year following midterms often brings robust market performance, regardless of political party control. Tune in to learn how to navigate these fluctuations without letting fear dictate your investment strategy. Focus on your financial plan, not politics.

In this episode of The Get Ready For The Future Show, join me as we delve into the intersection of entertainment and finance, discussing the recent move by YouTube sensation MrBeast into the financial services industry. I explore the implications of this trend for young audiences and the importance of discerning trustworthy financial advice. We also take a closer look at the current state of the U.S. economy, highlighting both the challenges and the resilience of the job market. Finally, I provide insights on making informed decisions about homeownership and its impact on financial independence. Tune in for valuable perspectives designed to help you navigate your financial journey effectively.

Could the war in Iran trigger a new wave of inflation? In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down the latest inflation data, rising oil prices, and why the conflict in Iran could quickly push prices higher across the economy. February’s Consumer Price Index showed encouraging progress, with inflation rising just 0.3% for the month and 2.4% year-over-year, signaling that price pressures have been cooling. Core inflation also came in lower than expected. But a major wildcard has suddenly emerged. Since the war in Iran began, oil prices have surged nearly 34%, briefly hitting $115 per barrel before settling closer to $86. Gas prices have already jumped about 50 cents per gallon in just one week, with Americans now spending an estimated $187 million more per day on fuel. The problem? February’s inflation report doesn’t yet reflect these energy shocks. If oil prices stay elevated, higher transportation costs could ripple through the economy—impacting everything from airline tickets to groceries. In this video we cover: 👉 Why recent inflation data looked encouraging 👉 How the Iran conflict is driving oil and gas prices higher 👉 What rising energy costs could mean for future CPI reports 👉 The International Energy Agency’s historic oil reserve release 👉 A simple financial strategy to safeguard yourself from price shocks Market headlines change every week, but the key to navigating volatility is building margin into your finances and sticking to a plan. The Fastest 4 Minutes in Finance helps you cut through the noise and stay focused on what really matters for your financial future. #Inflation #OilPrices #GasPrices #Economy #IranWar #CPI #FinancialPlanning #Fastest4 #GenWealth #PersonalFinance

Tapping your IRA early could cost you — unless you qualify for one of the little-known exceptions. We’re breaking that down and answering YOUR questions on this week’s Get Ready For The Future Show! ✅ I’m 58 and considering taking money from my IRA early. Are there exceptions to the 10% penalty? ✅ My spouse just retired, and I’m still working. How do we adjust spending now that we’re officially a one-income household? ✅ We’re planning home updates. Should we use a HELOC or refinance while rates are still decent? ✅ We want to leave part of our estate to charity. Is it better to give through our will — or through a retirement account? Plus, we’ll share details about our in-house estate planning services and how you can schedule a consultation. All this straight talk and more LIVE, Wednesday at 11:30! 🎙️ – ❓ Have your own questions? Call or text us at 501.381.5228 or email [email protected] . We’re here to help you navigate the journey to true financial independence. See you there! – #financialindependence #retirementplanning #IRA #retirementwithdrawal #retirementincome #HELOC #refinance #estateplanning #charitablegiving #taxplanning #financialadvisor #financialplanning #personalfinance #genwealthfinancialadvisors #money #financialeducation #financialliteracy #investing #investmentstrategy #QandA #podcast #radioshow #radio Originally Aired: 2026.03.04

Global conflicts often dominate headlines and create fear in the stock market — but history tells a very different story. In this week’s Fastest 4 Minutes in Finance, Scott Inman explains what investors should really understand about geopolitical shocks, market volatility, and long-term investing. Following recent U.S. and Israeli strikes on Iran, markets initially reacted with volatility. But the actual market movement has been modest so far, reminding investors that short-term reactions rarely dictate long-term outcomes. Research examining more than two dozen major geopolitical events since World War II shows that the average one-day decline in the S&P 500 during these shocks is only about 1%, markets typically bottom within 18 days, and historically recover in roughly 39 days. The real economic risk in the current conflict centers on oil supply disruption, since the fighting is occurring near one of the world’s most important oil transportation corridors. Any interruption could push energy prices higher and add pressure to the global economy. But the bigger takeaway for investors is this: geopolitical shocks may cause volatility, but they rarely change the long-term direction of markets — unless the economy is already entering a recession. In this episode, we break down: • Why market reactions to global conflicts are often short-lived • The real economic risk surrounding oil supply and energy prices • What history says about geopolitical shocks and the stock market • Why staying invested during uncertainty is often the smartest move If you’re worried about how global conflicts impact your investments, this quick breakdown will help put the headlines into perspective. Subscribe for weekly financial insights from GenWealth: Fast, clear updates on markets, retirement planning, investing, and the economy. #StockMarket #Investing #MarketVolatility #Geopolitics #IranConflict #SP500 #FinancialPlanning #RetirementPlanning #OilPrices #EconomicNews

“Pre-tax or post-tax? The decision could impact your retirement tax bill in a big way.” We’re answering YOUR questions on this week’s Get Ready For The Future Show! ✅ We’re in a high-income year and want to give to charity. Should we look into a donor-advised fund — and how does it actually work? ✅ I’m 45 and the primary earner. Do families usually insure a stay-at-home or lower-earning spouse — and how do you decide how much coverage is enough? ✅ My company offers both Roth and traditional 401(k). How do I choose which one to use at this stage of life? ✅ We’re 66 and thinking about downsizing, but worried about giving up space for visiting family. How do we make that decision without regrets? All this straight talk and more LIVE, Wednesday at 11:30! 🎙️ – ❓ Have your own questions? Call or text us at 501.381.5228 or email [email protected] . We’re here to help you navigate the journey to true financial independence. See you there! – #financialindependence #retirementplanning #retirementincome #charitablegiving #donoradvisedfund #lifeinsuranceplanning #roth401k #traditional401k #taxplanning #downsizing #retirementlife #financialadvisor #financialplanning #personalfinance #genwealthfinancialadvisors #money #financialeducation #financialliteracy #investing #investmentstrategy #QandA #podcast #radioshow #radio Originally Aired: 2026.02.25

The Year of the Tariff just got louder. Markets pulled back sharply after President Trump threatened an “obnoxious use of tariffs” following a Supreme Court decision limiting parts of his previous trade authority. Investors are now weighing the potential impact of expanded tariffs on corporate profits, inflation, and the broader U.S. economy. In this episode of the Fastest 4 Minutes in Finance, we break down: - What the Supreme Court ruling means for trade policy - How new tariffs function as taxes on imported goods - Why stock market volatility spikes during trade uncertainty - The potential impact on inflation and corporate earnings - What long-term investors should (and shouldn’t) do right now When tariffs rise, companies face higher costs. They can absorb the hit, pass it to consumers, or restructure supply chains. None of those are simple. Markets react quickly to that kind of uncertainty — but uncertainty doesn’t automatically mean recession. If you’re five, ten, or twenty years from retirement, short-term trade headlines shouldn’t derail your long-term financial plan. And if you’re near retirement, this is why diversification and a written income strategy matter. Before you react to market volatility, watch this. Subscribe for weekly market updates and retirement planning insights from the team at GenWealth Financial Advisors. #StockMarket #Tariffs #TradeWar #MarketVolatility #Investing #RetirementPlanning #Inflation #Trump #SupremeCourt #FinancialPlanning

The S&P 500 is barely up in 2026 — but does that mean the stock market is stalling? In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down why headline index performance may not tell the full story — and why stock diversification in 2026 could be more important than ever. While the S&P 500 is up less than 1% year-to-date, nearly 74% of companies have beaten earnings expectations, and Q4 earnings growth is tracking above 13%. At the same time, market leadership is rotating away from last year’s winners like technology and communication services toward energy, materials, and consumer staples. We also explore: The rise of the “S&P 493” (excluding the Magnificent Seven) Why small caps and international stocks are showing improving earnings outlooks The growing demand for active equity ETFs The risks of overconcentration in market-cap weighted index funds Why working with a financial advisor can help you build an opportunistic portfolio The S&P 500 is a benchmark — but it’s not the entire market. In years when leadership rotates, diversification stops being boring and starts being powerful. 📌 Watch now to understand what’s really happening beneath the surface of the market in 2026. #StockMarket2026 #SP500 #Diversification #ActiveETF #EarningsGrowth #InvestmentStrategy #FinancialPlanning #WealthManagement

"I plan to retire at 65 but may still work part-time. How do I plan income and taxes if I’m only partially retired?" We're answering YOUR questions on this week's Get Ready For The Future Show! ✅ We just retired last year and are spending more than we expected. How do we rein in our budget before it becomes a problem? ✅ My wife doesn’t work, but I do. Can I contribute to a Roth IRA on her behalf? ✅ We’re 60 and still have 10 years left on our mortgage. Should we pay it off early, or just keep making the payments into retirement? All this straight talk and more LIVE, Wednesday at 11:30!🎙️ - ❓ Have your own questions? Call or text us at 501.381.5228 or email [email protected]. We're here to help you navigate the journey to true financial independence. See you there! Originally Aired: 2026.02.18

"We recently moved from Texas to Arkansas. Do we need to update our will or estate plan to match Arkansas laws?" We're answering YOUR questions on this week's Get Ready For The Future Show! • I’ve always managed our finances, but now my health is declining. How do I make sure my spouse is prepared to take over? • I’m 52 and my company matches 6% in my 401(k). I’m contributing 10%, but should I be doing more — or putting extra into a Roth IRA instead? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 2/11/2026

Your tax refund in 2026 could be bigger than you think — and most people have no idea why. In this week’s Fastest Four Minutes in Finance, Scott Inman breaks down 5 major tax law changes from the “One Big Beautiful Bill” that could increase your refund or lower what you owe this year. According to the Tax Foundation, the average refund could be up to $1,000 higher. But here’s the real question: If you do get a bigger refund… what will you do with it?

"My 401(k) has grown a lot over the years. Should I consider rebalancing it now that I’m 60?" We're answering YOUR questions on this week's Get Ready For The Future Show! • At 57 years old, what 401(k) percentage should I be contributing if I would like to retire at 60? • We’re nearing retirement and not sure how much we should keep in cash vs. investments. What’s the right balance? • My brother wants to borrow money from us to start a business. We’re in our mid-50s. Is this ever a good idea? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 2/4/2026

Software stocks have officially entered bear market territory — and artificial intelligence is at the center of the fear. In this week’s Fastest 4 Minutes in Finance, we break down why software stocks are down nearly 30%, what sparked the sudden sell-off, and how AI developments from companies like Anthropic are reshaping investor sentiment. As fears grow that AI could replace traditional software, money has rushed out of software stocks and into semiconductors — creating a sharp market divergence. But is this panic justified?

Artificial Intelligence has driven market optimism for years—but the real opportunity may just be getting started. In this episode of Fastest 4 Minutes in Finance, Scott Inman breaks down the shift from AI buildout to AI adoption and why that transition could be a major driver of economic growth, productivity, and stock market performance in 2026.

"I’m 39 with $400,000 saved for retirement. I have a savings rate of 30%, and I have no debt. Based on my current savings rate and lifestyle, what's a realistic early retirement age for me?" We're answering YOUR questions on this week's Get Ready For The Future Show! • If I don’t need my RMDs for living expenses, what strategies can I use to minimize taxes? • I’m getting nervous about the market. Should I be increasing my cash position, and if so, what's the right percentage? • I work a normal 9-5 but I also have a couple of side gigs that produce a decent amount of money. What's the best way to reinvest my side income - back into the business or into my retirement accounts? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 1/21/2026

What is the bond market telling us about the health of the U.S. economy right now? In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down how recent geopolitical tension involving Donald Trump, proposed tariffs, and renewed trade-war fears rattled markets—and why bond market signals may matter more than stock market headlines.

"We’re both in our early 60s and thinking of retiring abroad. What financial considerations should we keep in mind before making the move?" We're answering YOUR questions on this week's Get Ready For The Future Show! • We’re retiring soon and still have old 401(k)s at multiple companies. Should we consolidate them into one IRA or leave them where they are • I’m 56 and care for my elderly mother. Can I get any tax breaks or financial help for caregiving? • We’re 65 and still paying premiums on a whole life policy we bought 30 years ago. Should we keep it, cash it in, or convert it? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 1/14/2026

Just because a bull market is aging doesn’t mean it’s about to end. In this episode of Fastest 4 Minutes in Finance, Scott Inman breaks down what history tells us about the fourth year of a bull market, using data going back to 1949. With the S&P 500 up roughly 80% since the bull market began in October 2022, many investors are asking whether the run is running out of steam—or if there’s still fuel left in the tank.

"I’m 63 and recently remarried. How do we handle merging finances, especially with different account balances and risk tolerances?" We're answering YOUR questions on this week's Get Ready For The Future Show! • My wife and I are in our late 50s. We want to travel more in retirement — but how do we build that into our plan without overspending? • We’re 68 and never bought long-term care insurance. At this point, should we still consider it or just self-insure? • I’m 50 and earn too much for a Roth IRA. Is a backdoor Roth worth the hassle? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 1/7/2026

Looking to kick off 2026 with better financial habits? In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down 5 smart money moves backed by real data that can help you build momentum toward long-term financial independence. We cover practical steps you can take right now, including: - How to set realistic financial goals that stick - Ways to free up cash by negotiating monthly bills - When and how to increase your retirement contributions - Why revisiting your budget can make a bigger impact than you think - The importance of checking your credit for costly errors

"We’re in our 50s and never really created a financial plan. We have some money in our 401(k)s, but we don’t have a plan at all. Is it too late to start one now?" We're answering YOUR questions on this week's Get Ready For The Future Show! • I’m 47 and just started my own business. What’s the simplest way to start saving for retirement now? • We are 48 and 46 and just received a $100,000 inheritance. Should we use it to pay off debt, invest, or keep it in savings? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 12/31/2025

What is the Santa Claus rally, and does it really matter for investors heading into 2026? In this final Fastest Four Minutes in Finance of 2025, Scott Inman breaks down the history behind the Santa Claus rally — the stock market’s tendency to rise during the final week of the year — and what it may signal for January and the year ahead. In this episode, you’ll learn: • What the Santa Claus rally is and where it came from • How often the stock market rises in the final week of the year • What past Santa Claus rallies have meant for January and annual returns • Why investors shouldn’t rely on seasonal trends alone • What really drives markets as we head into 2026 As always, this episode is about perspective, not prediction — and helping investors stay focused on long-term financial independence.

2025 was anything but predictable — and the markets proved it. In this episode of Fastest 4 Minutes in Finance, Scott Inman breaks down the biggest trends that shaped the markets in 2025 and what investors should take with them into 2026. You’ll learn: - Why the S&P 500 posted a third straight year of double-digit gains — something that’s only happened eight times in the past 100 years - How artificial intelligence optimism pushed mega-cap stocks higher - Why tariff fears briefly rattled markets after President Trump’s April announcement - The surprising reason international stocks outperformed U.S. markets in 2025 - Why interest rates broke the script, even after multiple Fed rate cuts - A tale of two commodities — why gold and silver surged while oil fell sharply As we head into 2026, this recap highlights an important reminder: markets don’t move in straight lines, leadership rotates, and discipline still beats prediction.

“I’m 61 and my husband is 65. We’ve saved about a million dollars, but we’re worried about taxes eating into our retirement income. How do we make our money last and stay tax-smart?” We’re answering YOUR questions on this week’s Get Ready For The Future Show! Can you really trust retirement calculators that project $2.5 to $3 million by age 65 — or are those numbers giving you a false sense of security? If you’re offered a buyout at 58, should you take the lump sum or stay a few more years for the benefits? How much risk should you still be taking as you get closer to retirement, especially with market volatility and rising costs of living? And what planning mistakes can turn a strong retirement into a stressful one if the timing is wrong? If you’ve got a question you want answered on the show, call or text 501.381.5228 — or email [email protected]. Your question could be featured on a future episode! Originally Aired : 2025.12.17

In this episode of Fastest Four Minutes in Finance, Scott Inman breaks down LPL Research’s 2026 Market Outlook, which pushes back against recession fears while acknowledging a slower pace of growth ahead. According to LPL, the U.S. economy may cool early in 2026, but resilience from AI-driven investment, fiscal spending, and easing monetary policy could fuel a rebound later in the year.

"I’m 66 and still mostly invested in stocks. Should I start shifting into bonds now that I’m retired, or is that old-school thinking?" We're answering YOUR questions on this week's Get Ready For The Future Show! We don’t have kids and want to leave part of our estate to our church and a few nonprofits. What’s the best way to do that while minimizing taxes? We’re 64 and considering selling our home and moving into a smaller condo. How do we know if it will actually save us money in retirement? We’re both retired and have some investment income. Are there situations where it makes sense to file taxes separately instead of jointly? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 12/10/2025

A new report just revealed something surprising about retirement: claiming Social Security doesn’t actually mean people stop working. In fact, 40% of Americans work after they claim benefits, and many continue for years. So what does that mean for your retirement strategy — and your long-term financial independence?

Worried about a possible AI bubble? You’re not alone — but the headlines may be missing the bigger picture. In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down why big market gains and big market pullbacks often go hand-in-hand, and why a correction doesn’t automatically mean a bubble is about to burst.

"Every time I hear bad financial news, I panic and want to change my portfolio. How do I stop reacting emotionally to the news cycle?" We're answering YOUR questions on this week's Get Ready For The Future Show! We have a paid-off home and decent savings. Our friends mentioned getting an umbrella policy, but we don’t fully understand what it covers or if we need it? We’re in our 60s and redoing our wills. How do we choose the right executor — and what should we consider if our kids live out of state? We’ve saved well and just entered retirement, but we’ve never tracked our spending closely. Do we really need a monthly budget now? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 11/26/2025

Is the housing market in a bubble that’s about to burst? With home prices up 57% nationally since 2019 — and even higher in places like Knoxville (86%) and Northwest Arkansas (84.5%) — it’s easy to wonder whether a crash is coming. In this week’s Fastest Four Minutes in Finance, Scott Inman breaks down the numbers and explains why economist Brian Wesbury says a housing collapse is highly unlikely. We look at what’s actually driving today’s prices, including: Under-building vs. over-building — why today’s inventory isn’t anything like the 2008 bubble Government zoning and environmental restrictions tightening supply Economic slowdowns and recession concerns — and what they really mean for homeowners and investors The small 0.7% price dip this year — and why that’s a ripple, not a crash If you’re worried about home values, retirement planning, or your investment strategy, this episode gives you the context—not the headlines.

"I turn 73 next year and will have to start RMDs. Is there any way to reduce the tax impact if I don’t need the money?" We're answering YOUR questions on this week's Get Ready For The Future Show! Our youngest just started college, and we’re 56 and 58. We want to help with tuition but still plan to retire at 65. How do we prioritize? We inherited a lake house from my parents, but we don’t use it often and the upkeep is getting expensive. Should we keep it for the next generation or sell it now? I’m 67, retired, and my term life policy is expiring soon. Our house is paid off, and the kids are grown. Do we still need life insurance? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 11/12/2025

Worried about a potential downturn? You’re not alone — and the latest data from major fund managers, market movements, and big-name investors shows 4 major yellow flags that every retirement investor should be watching. In this week’s Fastest Four Minutes in Finance, we break down what’s really happening beneath the market’s surface and why now is the time to reassess your risk.  Here’s what we cover: Surreal complacency on Wall Street — Fund managers running nearly $500 billion are bullish, even while admitting stocks are overvalued and AI may be in a bubble. Conflicting signals on interest rates and tariffs — emotional investing may be taking the wheel. Big-name caution — Gundlach urges moving 20% to cash/T-Bills, and Burry quietly hedges against AI high-flyers. Early signs of market momentum breaking — S&P dips below its 50-day moving average, and the Nasdaq slides over 5% in days. These yellow flags don’t guarantee a crash — but they DO mean it’s time to ask the real question: Is your retirement plan built to withstand a 20%, 30%, or even 50% decline?

"I’m 58 and about 40% of my portfolio is in company stock from where I’ve worked for 25 years. Should I diversify even if it’s been performing well?" We're answering YOUR questions on this week's Get Ready For The Future Show! I’m 66 and recently realized my IRA still lists my ex-spouse as the beneficiary. If I update it now, does that override my will — or do I need to change both? We’re 60 and planning to move to another state after retirement. How do we compare the tax implications of different states before we move? We’re both 65 and in good health, but we didn’t buy long-term care insurance. Can we self-fund care if needed, and how much should we set aside? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 11/12/2025

Would you pay for your house for 50 years? The Trump administration is floating a plan to allow banks to offer 50-year mortgages—and while the headline sounds like “affordable homeownership,” the math tells a very different story. In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down what a 50-year mortgage really means for buyers, including: How much you actually save per month compared to a 30-year mortgage The massive spike in total interest you’d pay over the life of the loan Why it would take 30 years to build $100,000 of equity How today’s affordability challenges compare across generations Why stretching debt longer isn’t the solution—and what is If you’re trying to make smart decisions about homeownership, rising costs, or long-term financial planning, this episode gives you the clear, level-headed breakdown the headlines aren’t showing you.

"I’m 60 and feel paralyzed every time the market drops. I’ve missed several rebounds because I waited too long. How do I stop letting fear run my portfolio?" We're answering YOUR questions on this week's Get Ready For The Future Show! I’m 64 and financially ready to retire, but I just can’t bring myself to stop working. How do you know when it’s really time to step away? I’m 63 and just retired. I’m holding off on Social Security until 67. What’s the best way to generate income in those four years without draining my retirement accounts too fast? Our daughter is 28 and still needs help with rent occasionally. We’re both 60 and trying to stay on track for retirement. How do we know when to say no? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired 11/5/2025

The S&P 500 has hit two all-time highs in the past two months — and it’s surged 85% since October 2022. That kind of run has many investors wondering: Is a pullback coming soon? In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down key historical data showing why a year-end rally is actually the most likely outcome — not a crash. Since 1950, when the S&P 500 was up more than 10% through October, it kept rising in 30 out of 33 years, averaging another 4.8% gain before December closed. Even more striking — when it was up over 16% by the end of October, it finished higher 19 out of 19 times. That means if the market doesn’t rise from here, it would be unprecedented in history.

"My spouse and I disagree on how much we need to retire. I think we’re fine with $1 million, she’s convinced we need $2 million. Who’s right — and how do we find out?" We're answering YOUR questions on this week's Get Ready For The Future Show! I’m 66 and planning to downsize next year. We’ll have about $200,000 left over after the move. Should we invest it or use it to generate income? I’m 61 and recently inherited an IRA from my brother. I’ve heard the rules are different for inherited IRAs now — what do I need to know? We’re both 56 and still carrying a small mortgage and two car payments. Should we prioritize paying those off before retirement, or just keep the payments and keep investing? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to [email protected]! Originally aired10/29/2025