On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into a major shakeup at the Federal Reserve as a new nominee emerges to potentially lead the Fed—and why that news sent shockwaves through gold, silver, crypto, and currency markets. Allworth Chief Investment Officer Andy Stout joins the show to break down what a Kevin Warsh–led Fed could mean for interest rates, the Fed’s massive balance sheet, and long-term investors trying to navigate volatility. The guys also tackle growing concerns about a potential “lost decade” for stock returns, what history tells us about flat markets, and how smart planning—not panic—helps protect your retirement. Plus, they explore when real estate becomes too much of a good thing, answer nuanced listener questions around taxes, trusts, and retirement income strategies, and close with a timely Groundhog Day reminder on why repeating the same financial habits can quietly hold you back