What should you do with extra cash when markets feel shaky? In this episode, we break down why your savings rate is the real engine of wealth, and how understanding the purpose behind your money brings clarity to every financial decision. You’ll learn why market downturns can be golden opportunities, but only if your foundation is solid and your timeline matches the risk. We also share how investment certainty grows with time, helping you shift your mindset from fear to long-term confidence.

Key takeaways:

• Know your savings rate and aim for 10–20% of total compensation.
• Build financial stability before pursuing market opportunities.
• Match investment decisions to your money’s purpose and timeline.

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial Partners

Leave us a question!

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial Partners.

Is market volatility really all about tariffs? In the wake of the unexpectedly aggressive “Liberation Day,” headlines would have you believe so. But the bigger culprit isn’t trade policy—it’s uncertainty. While U.S. markets have taken a noticeable hit, international developed markets are down only about 1.3% as of this recording. So what’s really going on? In this episode, we break down what investors need to keep in mind when the market gets shaky, including:

• Why portfolio diversification is your best defense in turbulent times
• Why volatility tends to cluster and why that makes timing the market so difficult
• The reality behind trade balances: population size and competitive advantage matter
• How using tolerance bands for rebalancing can help you make rational, not emotional, decisions

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial Partners

Leave us a question!

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial Partners.

Balancing today’s lifestyle with tomorrow’s goals isn’t easy, but it’s doable. In this episode, we answer a listener's question about 401(k) contribution limits and employer matching, which opens up a broader conversation about financial flexibility and smart savings strategies.

We break down 2025 contribution limits, including catch-up provisions for those over 50, and clarify what counts toward those limits. Nathan, who works in higher ed and saves 21% of his income, offers a great example of blending tax-advantaged retirement accounts with a brokerage account for added flexibility.

This episode offers practical insights to help you build a plan that supports both your future and your life today.

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial Partners

Leave us a question!

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial Partners.