Evan shares a story about some investors who were once very vocal about crypto and now don’t mention it at all. This starts Paul and Evan on a question that applies to all investments, but especially looms over cryptocurrencies: How do you calculate the true value of something? Listen along to hear how people often think of value in investing, as Evan honestly asks, “Are cryptocurrencies actually worth anything?” Later in the show, Paul explains why jumping into municipal bonds or commodities doesn’t make your investments safer during downturns.

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Today, Paul covers a topic that brings fear into the hearts of investors: market downturns. The media constantly covers the topic of downturns in a gloom and doom manner, but Paul is here to remind you that downturns are a normal part of investing and can often produce the upside that investors are looking for. Listen along as Paul shares why pulling out of the market after a loss is engaging in the riskiest investor behavior. Later in the show, Evan shares an example of an advertisement on Facebook that made claims about his products and the market that were completely false—to warn investors against believing sources they know nothing about.

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Last week, Target’s stock price fell by almost 25% overnight due to an unfavorable earning report. Today, Paul explains exactly what happened and why you don’t need to sweat market downturns. Later in the show, Paul discusses an article written for advisors, which pulls them away from academic principles and toward a marketing mindset.

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Paul is encouraged by the recent addition of a psychology program as a part of Certified Financial Planning (CFP) education. Paul shares how concepts like attachment theory can explain why investors have anxiety and get lower-than-market returns. Listen along to hear why an educated investor knows who they are and how an educated advisor can help them get there. Later in the show, Paul shares a few questions educated investors need to be able to answer.

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Today, Paul shares an article from the Journal of Behavioral and Experimental Finance about some people being susceptible to “financial BS.” Paul talks about how complicated the messaging around investments is and how some people are more susceptible to believing sources because they use complex terms or concepts while others can tell when someone is using language just to be confusing or deceiving.

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A recent study confirms that one of the riskiest behaviors small investors dabbled in during the pandemic was options contracts. Today, Paul gives a simple illustration of an options contract for people who are unfamiliar with how they work. Paul and Anne talk about how options contracts work during a more volatile market and what happened to investors who tried to take matters into their own hands to magnify their gains. Later in the show, Paul discusses a statistic that 79% of investors think they will be able to retire. Are they right?

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Paul and Jim talk about the proposed changes of the Financial Industry Regulatory Authority (FINRA) to complex investment products. In a recent ThinkAdvisor article, industry leaders agreed that some products are too dangerously complex for investors and then debated if a competency test for investors is the right answer. Listen along as Paul and Jim discuss the issues around complex investments and how this kind of test would also create barriers to prudent investing. In the second half of the show, Paul addresses a listener who wanted to know how Paul makes a budget.

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Paul and Jim talk about a company who claims to be practicing evidence-based investing but is really using short-term track records to sell investment products to people who are afraid of current market conditions. Jim encourages you to avoid products that are being sold based on their recent performance because investing is not about getting rich quickly; rather, it’s about building wealth over a lifetime. Paul warns investors not to get stuck in a cycle of ditching one bad investment while the market is down just to buy another one.

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