Common Sense Financial Podcast Podcast Por Brian Skrobonja arte de portada

Common Sense Financial Podcast

Common Sense Financial Podcast

De: Brian Skrobonja
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The Common Sense Financial Podcast is all about finances, mindset and personal growth. The goal is to help you make smart choices with your money in your home and in your business. Some of the podcasts here are historical in nature. They aired before July 1, 2022 and were previously approved by Kalos Capital. The views and statistics discussed in these shows are relevant to that time period and may not be relevant to current events. This is intended for informational and entertainment purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. Our firm is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure.All rights reserved Economía Finanzas Personales
Episodios
  • The Midlife Shift: How To Go from Surviving to Thriving

    The Midlife Shift: How To Go from Surviving to Thriving
    Nov 5 2025
    Brian Skrobonja talks about the hidden trap of survival mode: that quiet, familiar mindset that keeps you safe but small. He explains why so many people in midlife mistake control for security, and how shifting from a scarcity mindset to a mentality of abundance changes everything about how you earn, spend, and live. Tune in to hear what it really takes to move from survival to strategy, from managing scarcity to creating abundance, and why your next level of wealth starts in your mind, not your bank account. Brian starts by explaining how time sneaks up on us. One day you're in your 20s, and before you know it, decades have passed and you're in your 40s and 50s.Brian reveals that survival mode can feel safe because it's familiar. It got you through the student loans, the mortgage, the chaos of raising kids. But staying there too long turns what once protected you into what now holds you back.Learn why survival mode isn't a wealth strategy, it's a coping mechanism. It helps you survive the storm, but it won't help you build the life you're meant for.Brian explains what survival mode sounds like — phrases like "let's just get through this month," or "I'll do it myself, why pay someone else." It's the mindset of always managing crisis instead of creating space. And over time, that mindset becomes a ceiling you can't see but always feel.According to Brian, the midlife shift begins when you realize your greatest assets aren't money or status. They're your time, your energy, and your ability to think beyond what used to be possible. Brian reveals that in survival mode, every dollar has a job: pay bills, pay debt, save a little, repeat. But in strategy mode, every dollar has a mission: grow, create margin, and buy back time.How to see money differently: not as control, but as freedom. Brian shares that when couples view money as a tool to create experiences and peace of mind, their entire relationship with it changes. Suddenly, money becomes connection, not conflict.Learn how to shift from scarcity to abundance thinking. From "there's never enough" to "I can create more."Brian reveals that scarcity doesn't always look like struggle. Sometimes it looks like the person who's debt-free but afraid to invest or try something new. It's protection disguised as prudence, and it keeps your potential locked away.Brian explains the danger of carrying your old survival habits into midlife. You might think you're being smart, but what you're really doing is protecting what you have instead of growing what's possible. You end up loyal to your limitations instead of your evolution.For Brian, abundance isn't fantasy thinking. It's confidence in your ability to generate value, attract opportunity, and recover from mistakes. Learn how abundance thinking changes the questions you ask. Instead of "how do I save more," you begin asking, "how can I multiply this?" Instead of "what will this cost me," you start asking, "what could this create for me?"Brian explains that money is energy, it flows both ways. When you spend it to buy back time or peace of mind, that's not waste, it's wisdom. Your return isn't just financial, it's emotional, mental, and deeply human.Why buying back your time matters: it's not indulgent, it's stewardship. The moment you start using money to free your schedule, your mind expands. You make room for strategy, creativity, and joy — the real sources of wealth.Brian reveals that money doesn't change who you are, it amplifies you. If you lead with fear, more money only multiplies that fear. But if you lead with purpose, money becomes fuel for everything that truly matters.Brian explains that wealthy people don't do it all themselves. They hire experts, delegate complexity, and buy back focus. They understand that leverage isn't loss of control, it's how they multiply their capability.Why community matters: scarcity breeds more scarcity when you stay around people who think small. Brian urges you to surround yourself with those who think in terms of growth, possibility, and opportunity.Brian closes with a challenge: stop asking, "What will this cost me?" and start asking, "What can this create for me?" That one question can open the door to your next chapter — a life that's not just about surviving, but thriving in full alignment with who you're becoming. Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube Common Sense Financial Podcast on Spotify Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating ...
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    28 m
  • Exploring Alternative Investments and Building a Long Term Vision - Replay

    Exploring Alternative Investments and Building a Long Term Vision - Replay
    Oct 29 2025
    In this episode, Brian Skrobonja explains what alternative investments are and why they are the fastest route to growing your assets or retirement savings. He sheds light on how the most successful investors in the world keep getting wealthier and how to use an endowment like strategy to position your retirement assets. Brian explores alternative investments opportunities. He goes over what larger investors are doing to diversify away from the public market in an effort to help clients protect downside risks.The shift in investment philosophy amongst the largest investors is something to pay attention to as it could offer valuable insights on how to position your retirement assets.Brian explains why it's prudent for investors to adopt an endowment like model.The wealthiest and most successful investors in the world keep getting wealthier, not because they are lucky or privileged, but because they are playing a different game than the average investor.According to Brian, with medical advancements extending life beyond what we have seen in the past, we are entering a longevity dilemma as people may find themselves living longer than their assets.For Brian, the traditional retirement age tied to social security eligibility has longevity implications that are being overlooked.The 4% rule suggests you can safely withdraw 4% of your retirement savings annually with the assumption that the balance in your account will sustain you for 30 years.Brian shares why he believes the 4% rule is not sustainable in the modern age. There's risk with any type of investment and alternatives are no exception.Brian talks about portfolio diversification and why we need to expand the definition of diversification.Brian talks about alternative investments and why you should consider having a portion of your savings in private equity, private debt, real estate trusts, and even oil and gas.For Brian, the stock market may be a core component of a portfolio, but it cannot be the only holding. Should investors get out of public markets entirely? According to Brian, investors should not get out of the market entirely, but should acknowledge that there are many investment opportunities that are far better than the stock market. We are seeing the world change before our eyes. The way we invest today needs to be forward looking to consider the changes that are underway. Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube Common Sense Financial Podcast on Spotify References for this episode: kiplinger.com/article/investing/t047-c032-s014-to-succeed-at-investing-do-what-yale-does.html brianskrobonja.com/podcasts/posts/ep-52-strategically-separating-your-assets-with-the-five-minute-retirement-plan/ prudential.com/financial-education/4-percent-rule-retirement#:~:text=The%204%25%20rule%20comes%20with,close%20to%20covering%20your%20needs. wsj.com/finance/investing/pension-funds-stocks-bonds-679b8536 imf.org/external/pubs/ft/wp/2000/wp0018.pdf weforum.org/agenda/2022/04/longer-healthier-lives-everyone/ nmhc.org/industry-topics/affordable-housing/apartment-supply-shortage/ sealynet.com/news/sealy-company-small-industrial-spaces/ nationalaffairs.com/publications/detail/inflation-and-debt nasdaq.com/articles/revisiting-the-classic-60-40-portfolio-as-challenges-loom Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. The views and opinions expressed here are those of the authors and do not necessarily reflect the official policy or position of Madison Avenue Securities, LLC This material contains forward looking statements. Forward looking statements are not guarantees of future performance and involve certain risks and uncertainties, which are difficult to predict. Actual future results and...
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    17 m
  • How to Create Retirement Confidence - Replay

    How to Create Retirement Confidence - Replay
    Oct 22 2025
    In this episode, we delve into the link between overall retirement quality and the confidence you have in your financial plan. We emphasize how a well-designed retirement strategy tailored to your needs, not solely reliant on market performance, is pivotal for boosting confidence and making your retirement plan a reality you can rely on. Addressing common fears, exploring emotional extremes, and understanding the evolving landscape of retirement planning, will help you discover the significance of income-focused strategies and a diversified asset approach in building confidence in your retirement plan. When it comes to retirement, your quality of life in these golden years is often predicated on the level of confidence you have regarding your situation. A poorly-designed retirement plan can often cause emotional confusion, which leaves you feeling insecure and lacking confidence.Confidence is typically at its peak when a plan is optimized and is designed around meeting the needs of the client and not relying entirely on market performance.Retirement confidence is in direct correlation with how well your plan is designed to manage your exposure to risk and its ability to fulfill cash flow requirements. A plan built on hope and optimism can lead to very emotional times when the market doesn't work out the way you'd hoped.Many client conversations relating to retirement are often centered around insecurities the client is working through.Common fears include running out of money before running out of life, market crashes, having a health crisis, missing opportunities, or simply making mistakes.There are typically two emotional extremes, no confidence or complete overconfidence.A lack of confidence leads to avoidance behavior and avoiding decisions, which often makes a person vulnerable to the very things they are afraid of.Overconfidence leads people to underestimate their vulnerabilities.Being skittish or practicing decision avoidance or fearing the idea of making a bad decision are all confidence killers, and the ultimate irony of this behavior is actually preventing the solution from being implemented, which can turn your fears into a reality.Confidence is about being able to rely on your retirement plan to do what you need it to do. If your retirement plan is anchored to the stock market, your confidence level relies entirely on the performance of the market.Most people's retirement plans involve a stock market portfolio they plan to liquidate over time, Social Security, and a pension, but that's really just the start.This paradigm seems to be rooted in watching our parents or grandparents work for decades in the same job and then retire with their pensions and Social Security benefits. However, circumstances have changed, and what worked back then isn't going to cut it now.Pensions and company-provided retirement plans have been on the decline since the 1980's. Baby Boomers started putting their money into retirement plans starting in the 90's, which caused a growing stock market. 2016 was the first year that Baby Boomers started taking out money from those accounts.Those who ran the markets up are now the same group that is putting selling pressure on the markets, but there are other influences as well: government spending and policy, Fed policy, pandemics, interest rates, inflation, and more.When you lack certainty in the market, algorithms and a 24/7 news cycle can exacerbate the situation.There are two fundamental things that can have a profound impact on your retirement confidence. First is solving for income using income products. The foundation of a retirement plan is to generate consistent income, and unfortunately, consistency is not synonymous with the stock market.Separating your assets between long-term growth in public investments and income-generating private and fixed assets is a crucial component of being confident in your overall retirement plan. Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube Common Sense Financial Podcast on Spotify Common Sense: YOUR Guide to Making Smart Choices with YOUR Money by Brian Skrobonja Brian's article - 'Five Common Retirement Mistakes and How to Avoid Them' References for this episode: https://www.dol.gov/general/topic/retirement/erisa https://www.thestreet.com/personal-finance/baby-boomers-could-cause-market-crash-12117996 https://www.forbes.com/sites/lizfrazierpeck/2021/02/11/the-coronavirus-crash-of-2020-and-the-investing-lesson-it-taught-us/?sh=17701bd846cf https://www.marketwatch.com/story/u-s-stocks-would-be-much-lower-if-it-wasnt-for-excessive-government-spending-morgan-stanleys-mike-wilson-says-1b8e65d2 https://www.nasdaq.com/articles/what-does-the-fed-do-and-how-does-it-impact-the-stock-market https://thefga.org/blog/president-biden-is-wrong-about-esg-heres-why/?gclid=CjwKCAjwvfmoBhAwEiwAG2tqzIhc3F2QbmLEygcbkIg9eV7bhXUz3dzXhO1A_hTNE3hNsMbTug59txoCPcwQAvD_BwE https://...
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    18 m
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