On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what the recent AI and Magnificent Seven pullback really means for investors, why volatility is normal when stocks are priced for perfection, and why diversification matters more than ever. They dig into the often-overlooked threat of rising healthcare costs in retirement, including Medicare premiums, IRMAA surcharges, HSAs, and Roth planning. They also break down where AI can help with financial decisions and where you still need a human in the room. The show answers listener questions on inherited IRAs, surprise capital gains in taxable mutual funds, and rebalancing during volatile markets, and closes with a candid look at financial secrecy in relationships and why transparency may be one of the smartest money moves you can make.