The Financial Answer with Nathan O’Bryant

So, Markets Brushed Aside White House Drama Today...

Political headlines have been pretty loud, but the markets barely flinched. In this episode, Nathan breaks down why investors stayed focused despite White House drama and what that reaction says about today’s market environment. The real takeaway has less to do with politics than you think, and more to do with discipline.
Here’s some of what we discuss in this episode:
📈 Market Performance – Stocks moved higher despite political noise
🔮 Market Predictions – Why forecasts shouldn’t drive investment decisions
🏦 Fed Drama – Central bank headlines failed to shake markets
🏛️ Policy Impact – How presidential actions influence investor sentiment
🤖 Tech Leaders – Technology stocks continued driving market gains
 
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2025 Year In Review: What Actually Mattered for Your Money

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A lot happened in 2025… Big political swings, stubborn inflation, new tax rules, and even a historic government shutdown. But what actually matters for your financial life? Today, we’re breaking down the year’s biggest headlines and what they may mean for your plan moving forward.
Here’s some of what we discuss in this episode:
📉 Why reacting to market drops can permanently damage returns
📈 How inflation persisted throughout 2025
🧠 The growing role of AI in jobs, markets, and economic data
💰 What tax law extensions mean for retirement and tax planning
🧭 Why diversification mattered more than headlines in 2025
 
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Your First Christmas in Retirement

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Your first Christmas in retirement doesn’t just feel different; it functions differently. Without work schedules or limited PTO, the holidays suddenly open up with new choices, new freedoms, and a few new financial considerations. In this episode, Nathan explores what shifts emotionally and practically when December rolls around, and the paycheck is gone, but the possibilities are wide open.
 
Here’s some of what we discuss in this episode:
💸 Holiday budgeting: generosity is wonderful, but intentionality matters
🎁 QCDs and charitable strategies: how to stretch your giving
🕰️ Time Freedom: One of retirement’s greatest perks, allowing you to travel or celebrate on any schedule
🌍 Giving back isn’t only financial: donating time can be just as meaningful and needed by local organizations
💞 Perspective shifts with age: shared time over material gifts, especially when health challenges arise
 
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How To Give With Purpose

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Giving Tuesday (Dec 2, 2025) and year-end donations are right around the corner, making this the perfect time to revisit how generosity fits into your financial life. Nathan explains how to give intentionally, by balancing the heart behind your generosity with the smart planning that makes those gifts even more impactful. Give with purpose, plan with wisdom, and let your generosity ripple far beyond this season.
Here’s some of what we discuss in this episode:
❤️ Purposeful Giving: understanding the “why” behind generosity
🔍 Opportunity Spots: identifying causes, needs, and meaningful giving moments
🧾 Tax Efficiency: deductions, new rules, and smart timing
🎁 DAFs & QCDs: how donor-advised funds and charitable distributions work
🤝 Professional Guidance: when to involve advisors, CPAs, or attorneys
 
For more, visit us online: http://thefinancialanswer.com 

How Gratitude Shapes Your Financial Life

In this episode, Nathan explores how gratitude lays the foundation for both financial health and personal happiness. By embracing thankfulness for income, learning from past mistakes, and nurturing supportive relationships, listeners are encouraged to approach finances with a positive, resilient mindset. The conversation also highlights the importance of family, home, and a balanced life, all underpinned by a spirit of faith and appreciation.
Here’s some of what we discuss in this episode:
🌟 Thanksgiving & Gratitude: finding peace in what you have
💰 Financial Well-being: how gratitude impacts your money mindset
🔄 Past Lessons: learning from financial missteps with wisdom
🤝 Support Systems: valuing mentors and trusted relationships
📈 Future Planning: balancing saving, spending, and enjoying life
🙏 Biblical Gratitude: giving thanks in all circumstances
For more, visit us online: http://thefinancialanswer.com  

What Your Halloween Costume Says About Your Money Habits

Trick-or-treat! Before you put on your costume and head out for Halloween fun, let’s see what your choice might reveal about your financial personality. In this episode, Nathan draws some surprising parallels between Halloween costumes and common investing behaviors, from the thrill-seekers to the cautious planners. Whatever your money style, the trick is making sure it works long-term. Plan wisely, and you’ll enjoy more treats than scares in retirement.
 
Here’s some of what we discuss in this episode:
💀 Scary Investors: thrill-seekers who love risk and market excitement
🍬 More Treats, Fewer Tricks: how balance and discipline lead to sweet results
🦸 Classic Strategies: timeless, steady approaches that stand the test of time
🔧 DIY Finances: the pros and cons of managing money on your own
🧠 Financial Psychology: why our personalities influence the way we invest
 
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October is Financial Planning Month: Here’s Your Checklist

October is known for cooler weather, pumpkins, and Halloween. But did you know it’s also Financial Planning Month? While it might not come with costumes or candy, it’s a perfect reminder to pause, take stock, and be intentional with your money. Today, Nathan talks about the importance of Financial Planning Month, encouraging listeners to ask questions, write down their financial goals, and involve family in money conversations. A little reflection now can go a long way toward making your financial future more secure… and less scary.
Here’s some of what we discuss in this episode:
📊 Take Inventory: organize accounts, passwords, and forgotten assets
🏠 Family Conversations: open dialogue builds understanding and confidence
📅 Year-End Momentum: use October to prepare before the busy season
🤝 Advisor Insight: a good advisor educates, not just manages money
🎯 Celebrate Wins: progress matters more than perfection
For more, visit us online: http://thefinancialanswer.com  

The Gas Station Sushi Equivalent Of Retirement Planning

We all know there are things in life you probably shouldn’t trust, like gas station sushi or an email from a Nigerian prince. But the same principle applies in retirement planning. Sometimes what looks safe, easy, or even “guaranteed” isn’t so trustworthy when you peel back the layers. In this episode, Nathan highlights the financial versions of gas station sushi, the too-good-to-be-true ideas that can leave your retirement in ruins.
Here’s some of what we discuss in this episode:
🍣 Gas station sushi = flashy promises that often hide real risks
📉 Market timing schemes and why “fail-proof systems” rarely work long-term
💸 Spotting hidden costs in financial products, even when they make “no fee” claim
🎬 Celebrity & influencer hype: “Follows” and “Likes” do not equate to good advice
For more, visit us online: http://thefinancialanswer.com  

The Hidden Medicare Penalty You Might Be Paying

Many retirees are surprised to learn that Medicare at 65 isn’t completely free after all. For higher-income retirees, there’s a little-known surcharge that can quietly shrink your Social Security check by thousands of dollars every year. It’s called IRMAA (Income-Related Monthly Adjustment Amount). Many retirees only discover it after taking a large distribution or selling assets, and by then, the bill has already arrived.
 
Here’s some of what we discuss in this episode:
💸 What IRMAA is and why it exists
🧾 How income levels affect your Medicare premiums
🚨 Common triggers that catch retirees by surprise
🛡️ Strategies to minimize or avoid IRMAA surcharges
 
For more, visit us online: http://thefinancialanswer.com  

Inflation Is Still Wrecking Retirement Confidence

Inflation may not dominate the headlines like it did in 2022, but for many Americans, it’s still the number one threat to retirement confidence. In this episode, Nathan unpacks a recent Schwab survey showing how concerns over rising costs are leaving pre-retirees and retirees feeling unprepared for their financial future. The sting of higher costs hasn’t fully eased, and that stress is keeping people second-guessing their retirement readiness.
 
Here’s some of what we discuss in this episode:
💸 Inflation’s lingering impact on retirement confidence
🛒 Why everyday costs like groceries & healthcare still sting
📈 Market cycles, recency bias, and investor mindset
🏦 Social Security, pensions, and realistic planning math
🌍 The surprising boost from international markets
 
Schwab Survey
USA Today Article, Americans believe this is the No. 1 obstacle to saving for retirement, by Medora Lee:
https://www.usatoday.com/story/money/personalfinance/2025/07/29/inflation-retirement-savings-survey/85413630007/
For more, visit us online: http://thefinancialanswer.com