Ever wondered how a simple budget can transform your financial future? In this episode, we dive into the 50-30-20 rule, breaking down how to allocate your income for needs, wants, and savings. Join us as we explore practical tips and real-life examples to help you build a solid financial foundation without feeling restricted.

Do you have questions about financial planning and your retirement? Book an appointment here or set up a free complimentary call with Larry Kiser and Sage Wealth Design at 435-704-2213. 

Ever wondered how a simple budget can transform your financial future? In this episode, we dive into the 50-30-20 rule, breaking down how to allocate your income for needs, wants, and savings. Join us as we explore practical tips and real-life examples to help you build a solid financial foundation without feeling restricted.
Do you have questions about financial planning and your retirement? Book an appointment&nbsp;<a href="https://calendly.com/sagewealthdesign/intro?month=2025-03">here</a> or set up a free complimentary call with Larry Kiser and Sage Wealth Design at 435-704-2213.&nbsp;

When you need someone to help plan your retirement, you don’t want to go for the novice approach. You want the guide that brings you the knowledge needed to build your future.

That’s just what The Sage Investor does. Coming from the mind of Larry Kiser and Sage Wealth Design, The Sage Investor is a financial podcast with intelligence and savvy. Each week, it brings the latest market analyses, key insights into your portfolio, and experienced looks at all the factors affecting your retirement. Tune in to The Sage Investor and start getting wise to your future!



Investment advisory products and services made available through Impact Partnership Wealth, LLC ("IPW"), a Registered Investment Adviser. 3785624-08/24

When you need someone to help plan your retirement, you don’t want to go for the novice approach. You want the guide that brings you the knowledge needed to build your future.
That’s just what The Sage Investor does. Coming from the mind of Larry Kiser and Sage Wealth Design, The Sage Investor is a financial podcast with intelligence and savvy. Each week, it brings the latest market analyses, key insights into your portfolio, and experienced looks at all the factors affecting your retirement. Tune in to The Sage Investor and start getting wise to your future!
 
Investment advisory products and services made available through Impact Partnership Wealth, LLC ("IPW"), a Registered Investment Adviser. 3785624-08/24

The Sage Investor

Unlocking Financial Freedom: The 50-30-20 Rule Explained

What if the choices you think are saving you money are actually costing you the most? In this episode, Larry Kiser breaks down the surprising concept of “spaving” — spending disguised as saving — and how it can quietly undermine even the most careful retirement plans. From emotional decision‑making to refinancing traps, 401(k) withdrawals, and the power of sticking to financial principles, Larry explains why seemingly harmless habits can compound into long‑term consequences. He also sheds light on the importance of building a realistic spending plan, understanding your emotional biases, and knowing when to seek professional guidance. This conversation helps listeners rethink the true impact of everyday financial choices.


Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here , email team@sagewealthdesign.com, or call 435-704-2213.

What if the choices you think are saving you money are actually costing you the most? In this episode, Larry Kiser breaks down the surprising concept of &ldquo;spaving&rdquo; &mdash; spending disguised as saving &mdash; and how it can quietly undermine even the most careful retirement plans. From emotional decision‑making to refinancing traps, 401(k) withdrawals, and the power of sticking to financial principles, Larry explains why seemingly harmless habits can compound into long‑term consequences. He also sheds light on the importance of building a realistic spending plan, understanding your emotional biases, and knowing when to seek professional guidance. This conversation helps listeners rethink the true impact of everyday financial choices.
 Find out what your current position is and learn more about Sage Wealth Design&rsquo;s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting&nbsp;<a href="https://calendly.com/sagewealthdesign/intro?month=2025-05">here</a> , email <a href="mailto:team@sagewealthdesign.com">team@sagewealthdesign.com</a>, or call 435-704-2213.

How Emotion Driven Money Habits Derail Retirement Plans

What if your entire retirement plan rested on just one income source--would it hold up when life changes? In this episode, Larry Kiser breaks down why modern retirement requires more than the traditional “three‑legged stool” and how today’s retirees must build diversified income streams to stay steady through market swings, Social Security uncertainty, and the loss of traditional pensions. Larry explains how to evaluate risk, balance liquidity with growth, and use tools like annuities, investment diversification, and strategic planning to create income that adapts over time. This conversation encourages listeners to rethink what financial stability really looks like in retirement.

Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email team@sagewealthdesign.com, or call 435-704-2213.

What if your entire retirement plan rested on just one income source--would it hold up when life changes? In this episode, Larry Kiser breaks down why modern retirement requires more than the traditional &ldquo;three‑legged stool&rdquo; and how today&rsquo;s retirees must build diversified income streams to stay steady through market swings, Social Security uncertainty, and the loss of traditional pensions. Larry explains how to evaluate risk, balance liquidity with growth, and use tools like annuities, investment diversification, and strategic planning to create income that adapts over time. This conversation encourages listeners to rethink what financial stability really looks like in retirement.
Find out what your current position is and learn more about Sage Wealth Design&rsquo;s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting&nbsp;<a href="https://calendly.com/sagewealthdesign/intro?month=2025-05">here</a>, email&nbsp;<a href="mailto:team@sagewealthdesign.com">team@sagewealthdesign.com</a>, or call 435-704-2213.

Is Your Retirement Balancing on a One-Legged Stool?

Did you know most financial New Year’s resolutions don’t last past the first week of January? In this episode of the Sage Investor Podcast, certified financial planner Larry Kiser digs into why financial goals often fail—and how to break the cycle. He discusses practical steps for starting retirement planning from scratch, the emotional traps that derail financial plans, and how to balance technology like AI with the human touch in financial advice. Plus, get a clear look at upcoming tax changes for 2026 and what they mean for your future. Start your year with clarity and confidence by learning what really makes financial resolutions stick.

 

Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here , email team@sagewealthdesign.com, or call 435-704-2213.

Did you know most financial New Year&rsquo;s resolutions don&rsquo;t last past the first week of January? In this episode of the Sage Investor Podcast, certified financial planner Larry Kiser digs into why financial goals often fail&mdash;and how to break the cycle. He discusses practical steps for starting retirement planning from scratch, the emotional traps that derail financial plans, and how to balance technology like AI with the human touch in financial advice. Plus, get a clear look at upcoming tax changes for 2026 and what they mean for your future. Start your year with clarity and confidence by learning what really makes financial resolutions stick.
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Find out what your current position is and learn more about Sage Wealth Design&rsquo;s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting <a href="https://calendly.com/sagewealthdesign/intro?month=2025-05">here</a> , email <a href="mailto:team@sagewealthdesign.com">team@sagewealthdesign.com</a>, or call 435-704-2213.

Unlocking Financial Freedom: The 50-30-20 Rule Explained

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