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Financial Decoder

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

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

Estate planning can help you maintain more control over important financial and personal decisions, both during your lifetime and after your death. Host Mark Riepe speaks with Austin Jarvis, director of estate, trust, and high-net-worth tax planning ... more

YouTube

Financial Decoder host Mark Riepe is joined by Kasey McCurdy, chief portfolio strategist for Schwab Wealth Advisory™, to examine what risk really means in your financial life. They discuss why risk extends beyond market volatility and how an investor... more

YouTube

Company stock can be a powerful wealth-building tool, but it can also create unexpected risks. Mark sits down with Sarah Buchardt to break down the most common forms of equity compensation and the key decisions employees face. Along the way, they exp... more

YouTube

Economic myths persist because they simplify a complex world, but acting on them can lead investors astray. Mark Riepe is joined by Schwab's Jennifer Babchuk to examine common misconceptions about markets, the economy, inflation, interest rates, and ... more

YouTube

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Recent Guests

Kasey McCurdy
Chief portfolio strategist for Schwab Wealth Advisory.
Schwab Wealth Advisory
Episode: Are You Taking the Right Kinds of Risk?
Sarah Buchardt
Vice president, senior workplace financial consultant and certified financial planner
Charles Schwab
Episode: What Should You Do With Employee Stock?
Jennifer Babchuk
Head of Economic Research at Schwab Center for Financial Research
Schwab Center for Financial Research
Episode: Are These Economic Myths Misleading You?
Cindy Scott
Certified Financial Planner, Senior Regional Manager at Schwab Wealth Advisory
Schwab Wealth Advisory
Episode: What Are the Keys to Lowering Financial Stress?
Austin Jarvis
Trust, estate planning, and tax expert at Schwab Center for Financial Research
Schwab Center for Financial Research
Episode: Could a Trust Fit Your Estate Plan?
Patrick Means
Vice President and Branch Manager at Schwab; financial planning and investing guidance expert
Schwab
Episode: How Do You Offer Financial Guidance to a College Grad?
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?

Host

Mark Riepe
Head of the Schwab Center for Financial Research

Reviews

4.7 out of 5 stars from 378 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 Statesa year 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.

The host and expert guests are praised for practical guidance and insights that prompt listeners to rethink financial habits.
Listeners value clear, accessible explanations that make financial concepts useful without talking down to beginners.
Some listeners would prefer more depth on certain topics, and one review reports poor audio quality.
Several listeners appreciate the behavioral perspective and advice they can apply to investing and financial planning.

Chart Rankings

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

Talking Points

Recent interactions between the hosts and their guests.

Are You Taking the Right Kinds of Risk?
Q: How do you decide what risks are worth paying attention to versus risks that you just hear about?
McCurdy recommends asking how a headline affects your portfolio, estimating the likelihood of the event, considering potential responses, and weighing the risks those changes could introduce.
Are You Taking the Right Kinds of Risk?
Q: What are investors thinking about when they hear the word risk, and what are they missing?
Investors often associate risk with a market decline and investment losses. McCurdy says they should also consider personal goals, preferences, and broader financial risks such as shortfall, inflation, and liquidity.
What Should You Do With Employee Stock?
Q: How do you balance diversification considerations with the desire to benefit from owning shares in a successful employer?
Buchardt suggests assessing employer stock as a share of investible net worth, using 10 to 20 percent as a rule of thumb for employees with equity compensation. Employees can diversify if company stock exceeds that range, while first ensuring that a disciplined portfolio supports their financial goals.
What Should You Do With Employee Stock?
Q: What should an employee think about when deciding whether to participate in an Employee Stock Purchase Plan, and how much to participate?
Buchardt recommends weighing the discount and any look-back feature against the role the company's shares would play in the employee's overall portfolio. Employees may participate to capture the discount and sell the shares relatively quickly, or keep them if they want more exposure to that company.
Are These Economic Myths Misleading You?
Q: How much influence do politicians have on economic outcomes, especially in the short term?
Politicians matter but are only one of many factors shaping the economy; timelines differ (years vs decades), and effects are often lagged and smaller than expected, with exogenous shocks playing a large role.

Audience Metrics

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

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

Frequently Asked Questions About Financial Decoder

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

Practical financial education through the lens of behavioral economics, with each installment focused on a decision that can affect saving, investing, or long-term financial security. Mark Riepe leads conversations with Schwab specialists and other finance professionals, alongside occasional solo explainers. Topics range from portfolio risk, retirement accounts, taxes, and estate planning to financial stress, economic data, and money conversations with teens and young adults.

The distinctive emphasis is not just on financial products or market analysis, but on how emotions, assumptions, and cognitive biases shape choices. Discussions pair clear explanations of financial concepts with frameworks listeners can apply to their own circumstance... more

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How many listeners does Financial Decoder get?

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Which podcasts are similar to Financial Decoder?

These podcasts share a similar audience with Financial Decoder:

1. WashingtonWise
2. On Investing
3. Choiceology with Katy Milkman
4. Schwab Market Update Audio
5. Investing Insights

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?

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What guests have appeared on Financial Decoder?

Recent guests on Financial Decoder include:

1. Kasey McCurdy
2. Sarah Buchardt
3. Jennifer Babchuk
4. Cindy Scott
5. Austin Jarvis
6. Patrick Means
7. Hayden Adams
8. Lee McAdoo

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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