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Financial Decoder

Charles Schwab
Financial Planning
Retirement Planning
Cognitive Biases
Behavioral Economics
Social Security
Financial Goals
Estate Planning
Investment Strategy
Investment Strategies
Financial Decision Making
Car Buying Mistakes
Inflation
Mortgage
Debt
Emotional Biases
Super Bowl
Charles Schwab
Budgeting
Pre-Retirement Checklist
Gratitude

Cognitive and emotional biases can have a big impact on your financial life. Each episode of Financial Decoder looks closely at one financial decision--and the biases that might cloud your judgment and cost you money. Host Mark Riepe, head of the Schwab Center for Financial Research, decodes the behavioral and psychological factors at play and shares strategies designed to improve the way you appr... more

PublishesTwice monthlyEpisodes79Founded8 years ago
Number of ListenersCategories
InvestingBusinessEducation

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Artwork for Financial Decoder

Latest Episodes

Individual retirement accounts (IRAs) are one of the most widely used retirement savings vehicles, yet many investors are unsure how they work. Mark Riepe breaks down IRA basics, including traditional IRAs, Roth IRAs, contribution limits, tax advanta... more

YouTube

Making smart portfolio decisions require more than just choosing investments. It requires managing your own behavior. Mark speaks with Schwab Wealth Advisory's Chief Portfolio Strategist Kasey McCurdy about how emotions influence investing decisions ... more

YouTube

What can America's first 250 years teach investors? In this special Independence Day episode, Mark Riepe examines key moments in U.S. economic and financial history, including national debt, inflation, currency, taxation, tariffs, and personal financ... more

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Trusts can be a powerful estate planning tool, but many people overlook them or assume they’re only for the wealthy. This episode breaks down how trusts work, including key differences between revocable and irrevocable trusts and their role in probat... more

YouTube

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Recent Guests

Kasey McCurdy
Chief Portfolio Strategist, Schwab Wealth Advisory
Schwab Wealth Advisory
Episode: What's Really Driving Your Portfolio Decisions?
Hayden Adams
Director of Tax Planning and Wealth Management Research at the Schwab Center for Financial Research
Schwab Center for Financial Research
Episode: How Can You Plan Beyond Next Year's Tax Bill?
Lee McAdoo
Managing Director, Schwab Retirement Plan Services
Schwab Retirement Plan Services
Episode: Why Is the 401(k) Crucial to Retirement Saving?
Jim Ferraioli
Director of Digital Currencies Research and Strategy at the Schwab Center for Financial Research
Charles Schwab
Episode: What Should Investors Know About Cryptocurrency?
Julie Sunwoo
President of DAFgiving360, passionate about increasing charitable giving in the U.S.
DAFgiving360
Episode: How Can You Make the Most of Your Charitable Giving?
Steph Shadel
Senior Wealth Advisor at Schwab Wealth Advisory with over 15 years of experience helping investors.
Schwab Wealth Advisory
Episode: What Makes a Financial Plan Fit Your Life?
Ken Pennington
Director of Alternative Investments and Manager Research
Schwab Center for Financial Research
Episode: Do Alternative Investments Have a Role in Your Portfolio?
Jeannie Bidner
Head of the branch network at Schwab, overseeing nearly 400 branch locations.
Charles Schwab
Episode: What's Driving Women's Investing Trends?
Katy Milkman
James G. Dynan Endowed Professor of Operations, Information and Decisions at the Wharton School
University of Pennsylvania
Episode: (Bonus) Special Guest Katy Milkman

Hosts

Mark Riepe
Head of the Schwab Center for Financial Research and host of the show, providing research-driven financial insights.
Kathy Jones
Guest and contributor in market outlook and investing discussions.

Reviews

4.7 out of 5 stars from 371 ratings
  • What Should You Consider When Buying a New Home?

    Just listened. We are literally in the homebuying process now for the first time. I’m still pretty freaked out about the whole thing, but I feel like this info will really really help us to make better choices. Thank you!

    Apple Podcasts
    5
    MRich5397
    United States10 months ago
  • Clarity and Understanding

    Mark hits on a number of excellent topics. He and his guests provide useful information in a clear way that really help. Most importantly the insights provide me with an opportunity to rethink old ideas.

    Apple Podcasts
    5
    Vintage Is Best
    United Statesa year ago
  • Great information and good presentation

    Adding this to my rotation!

    Apple Podcasts
    5
    AngieCC500
    United States2 years ago
  • Great Content

    I had a buddy recommend this podcast and I have been really enjoying it. The content is informative without talking down to the audience and has help me identify some blind spots in my financial understanding. Looking forward to learning more.

    Apple Podcasts
    5
    JestyrKing
    United States2 years ago
  • Keeps you focused

    Keeps important advise close to mind

    Apple Podcasts
    5
    Some guy from antartica
    United Arab Emirates4 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Listeners appreciate research-backed insights with minimal promotional content.
Consistently positive remarks about production quality and usefulness for decision-making.
High regard for the host's ability to simplify complex topics without talking down to the audience.
Some critique on coverage depth for certain topics, with calls for more detailed, real-world data.
Praise for clear, practical financial guidance that's accessible to beginners and seasoned investors alike.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

What's Really Driving Your Portfolio Decisions?
Q: What are the main emotions driving portfolio changes, and how can investors counteract them?
Fear, regret, envy, and a false sense of control commonly drive changes; recognizing these can help investors pause, use a 24-hour rule, and clearly articulate why a change is being made.
What's Really Driving Your Portfolio Decisions?
Q: How should investors decide between taking action or lying low in a volatile market?
Focus on whether there has been a meaningful change in goals, time horizon, cash flow needs, or risk capacity, rather than reacting to headlines or a momentary market move; use a disciplined process and regular rebalancing as anchors.
What's the Best Way to Talk Money With Teens?
Q: In your experience, why is the distinction between just saving money and total financial independence crucial for a teen to wrap their head around?
It's about being comprehensive and making right decisions with information that's useful and relevant to their situation, which helps set them up for long-term financial independence rather than short-term saving alone.
Why Is the 401(k) Crucial to Retirement Saving?
Q: What should someone consider when deciding how much to save and how to invest within a 401(k)?
Focus on aligning contributions with retirement goals, maximize employer match, consider auto-enrollment and target-date funds for simplicity, and periodically rebalance to maintain long-term risk alignment.
Why Is the 401(k) Crucial to Retirement Saving?
Q: What are the key differences between traditional and Roth 401(k), and how do they affect taxation?
Roth contributions are taxed upfront, growth is generally tax-free on distribution after certain conditions; traditional 401(k) contributions are tax-deferred until withdrawal, with distributions taxed at the owner's marginal rate.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
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Frequently Asked Questions About Financial Decoder

What is Financial Decoder about and what kind of topics does it cover?

A analytically focused show that examines financial decisions through the lens of behavioral economics and psychology. Episodes commonly explore tax planning, retirement and education goals, investment strategies, and real-world financial decision-making, often featuring Schwab Center for Financial Research experts and guest specialists. Noteworthy is the consistent integration of practical planning tips with research-backed insights, plus a clear emphasis on long-term wealth, tax efficiency, and behavioral biases that influence everyday money choices. It's likely to appeal to listeners who want actionable strategies, a rational framework for financial decisions, and access to high-level financial research presented in accessible language.

Where can I find podcast stats for Financial Decoder?

Rephonic provides a wide range of podcast stats for Financial Decoder. We scanned the web and collated all of the information that we could find in our comprehensive podcast database. See how many people listen to Financial Decoder and access YouTube viewership numbers, download stats, audience demographics, chart rankings, ratings, reviews and more.

How many listeners does Financial Decoder get?

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What are the audience demographics for Financial Decoder?

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How many subscribers and views does Financial Decoder have?

To see how many followers or subscribers Financial Decoder has on Spotify and other platforms such as Castbox and Podcast Addict, simply upgrade your account. You'll also find viewership figures for their YouTube channel if they have one.

Which podcasts are similar to Financial Decoder?

These podcasts share a similar audience with Financial Decoder:

1. WashingtonWise
2. On Investing
3. Schwab Market Update Audio
4. Investing Insights
5. The Long View

How many episodes of Financial Decoder are there?

Financial Decoder launched 8 years ago and published 79 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact Financial Decoder?

Our systems regularly scour the web to find email addresses and social media links for this podcast. We scanned the web and collated all of the contact information that we could find in our podcast database. But in the unlikely event that you can't find what you're looking for, our concierge service lets you request our research team to source better contacts for you.

Where can I see ratings and reviews for Financial Decoder?

Rephonic pulls ratings and reviews for Financial Decoder from multiple sources, including Spotify, Apple Podcasts, Castbox, and Podcast Addict.

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What guests have appeared on Financial Decoder?

Recent guests on Financial Decoder include:

1. Kasey McCurdy
2. Hayden Adams
3. Lee McAdoo
4. Jim Ferraioli
5. Julie Sunwoo
6. Steph Shadel
7. Ken Pennington
8. Jeannie Bidner

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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