About the show
More for Your Money, hosted by John Berkley of Uncommon Cents Investing, is a weekly radio show airing Saturdays at 9:06 AM on WCLO. With over 40 years of experience in portfolio management, John shares expert insights on investing, retirement planning, and wealth-building strategies. Whether you're looking for smart ways to grow your portfolio, navigate market trends, or make informed financial decisions, this show delivers practical advice tailored to everyday investors. Tune in each week for thoughtful discussions, listener questions, and actionable strategies to help you make the most of your money.
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Episodes
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Episode 58: Roth IRA Conversions: The Whys, the Why-Nots, and the Wisconsin Tax Exemption - 01/31/2026
January 31st, 2026 | 52 mins 50 secs
$30 million married limit, 000 retirement income exclusion, 12% federal tax bracket, 15 million single limit, 24, 40% estate tax rate. market decline strategy, adjusted gross income (agi), federal estate tax, investment homework, irmaa, janesville financial advisor, medical expense deductions, medicare part b premiums, paul harvey, price to earnings ratio, qualified charitable distributions (qcd), required minimum distributions (rmd), retirement planning, roth ira conversions, s&p 500 performance. long-term care expenses, social security taxation, state tax law change, stock market valuation, taking investment distributions, the rest of the story, trust taxation, wisconsin senior tax exemption
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 57: Navigating Market Rotations, Global Debt, and the Case for Gold - 01/24/2026
January 24th, 2026 | 52 mins 50 secs
berkshire hathaway cash reserves, cape index, contrarian selling, dalbar research, federal reserve policy, global carry trade, global debt-to-gdp, gold bullion, gold mining stocks, greenspan put, individual investor underperformance, investment discipline, japan bond market disruption, market cycle reset, market rotation, momentum stocks, petro dollar, portfolio risk management, preserving purchasing power, price-to-earnings multiples, quantitative easing, reserve currency status, russell 2000 surge, s&p 500 performance, shiller index, sideways markets, small cap and value stocks, tier one assets, unsustainable deficit debt, us treasury bills, weaponization of the dollar
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 56: Simplifying Retirement: The Bucket Debate, Fiduciary Standards, and Navigating Financial Complexity - 01/17/2026
January 17th, 2026 | 52 mins 50 secs
401k rollover advice, and problem solving for seniors, department of labor regulations, estate planning hurdles, fee-based advisors, fiduciary standard, financial advisor janesville, independent wealth management, investment bucket theory, long-term care insurance premiums, managing financial complexity, medicare vs medicare advantage, retirement income planning, retirement planning, risk management strategies, rock county financial services, sequence of returns risk, single portfolio approach, social security retirement benefits
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 55: Market Broadening and the Realities of Long-Term Care - 01/10/2026
January 10th, 2026 | 52 mins 50 secs
1996 hipaa act, 2026 stock market kickoff, 24/7 care, activities of daily living (adls), aging at home, caregiver stories, compounding benefits, dow jones industrial average, elimination periods, indemnity policies, insurance benefit activation, insurance claim strategies, long-term care insurance, ltc premiums, ltc tax implications, magnificent 7, market broadening, missing premium payments, nasdaq, non-medical home care, patrick smith, respite care, russell 2000, s&p 500, south central wisconsin, standardized ltc contracts, value vs. growth stocks, visiting angels
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 54: 2026 Market Forecast: "Guesses," Gold, and the Investment Committee’s Outlook - 01/03/2026
January 3rd, 2026 | 52 mins 50 secs
10-year treasury bond yields, 2025 financial year in review, 2026 market forecast, ai buildout impact, bearish 50% s&p 500 decline, business cycle distortions., dollar devaluation, emerging markets, energy sector valuations, federal reserve policy, fiat currency risks, financial repression, gold price predictions, government deficits, inflation hedges, interest rate outlook, investment committee outlook, investment math vs narrative, market volatility, non-us international investing, purchasing power of the dollar, resource stocks, russell 2000 small cap stocks, s&p 500 total return performance, silver performance, value vs growth stock spreads
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 53: The Idea Factory: Unpacking Annuities, NUA, and the 'Nuts and Bolts' of Investing - 12/27/2025
December 27th, 2025 | 52 mins 50 secs
10-year treasury bonds, 1035 exchanges, 12% tax bracket, albert einstein, and the 0% federal capital gains rate. dalbar research, and the perpetual snow day retirement metaphor., and the tefra act of 1982. net unrealized appreciation (nua), and value versus growth stock spreads. variable annuities, annuity rider fees, benjamin graham, chasing returns, company stock distributions, compounding interest, contract fees, cost basis, double-digit market performance, emotional decision-making, financial case studies, investment second opinions, investor underperformance, maintenance and expense (m&e) fees, mandatory annuitization dates, marginal tax bracket planning, missing insurance beneficiaries, peter lynch, price-earnings multiples, s&p 500 returns, step-up in basis, sub-account fees, warren buffett
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 52: Timeless Lessons from Financial Legends and the Great Depression - 12/20/2025
December 20th, 2025 | 52 mins 50 secs
10-year treasury bond, 1929 stock market crash, compounding interest, diversified portfolio, dividend reinvestment, dollar cost averaging, dow jones industrial average, federal reserve history, fiscal policy, great depression, growth stocks, high yield bonds, human nature and wall street., investment leverage, jesse livermore, john jacob raskob, long-term performance, louis rukeyser, lucian hooper, margin calls, margin debt, monetary policy, nasdaq, patience in investing, phil carret, pierre s. dupont, retirement planning, russell 2000, s&p 500, total return, value investing, william durant
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 51: Market Rotation, Fed Hype, and the Case for Long-Term Value Investing - 12/13/2025
December 13th, 2025 | 52 mins 50 secs
., 1929 crash, ai spending, capital expenditures (capex), central bank, disciplined investing, dow, economic data, fed interest rates, federal reserve, gold, inflation, jdb indicator, liquidity, long-term investing, mag 7, margin debt, market analysis, market hype, nasdaq, precious metals, purchasing power, russell 2000, s&p 500, stock rotation, valuation, value investing
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 50: Fee vs. Commission: Finding the Right Financial Advisor and Understanding Your Costs - 12/06/2025
December 6th, 2025 | 52 mins 50 secs
401k rollover, account minimums, annual management fees, break points, buy-and-hold, client service, commission-based products, department of labor, estate planning, expense ratios, fee-based advising, financial advisor compensation, finra, hsa, individual stocks, investment costs, long-term investing, modern financial advising, mutual funds, old school investing, ongoing fees, registered investment advisor (ria), roth ira, sales charge, sec, social security benefits, tax planning, upfront sales charge, wealth accumulation
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 49: Roth IRA Conversions: The Wisconsin Tax Law That Changes Everything - 11/29/2025
November 29th, 2025 | 52 mins 50 secs
$24, 000 exclusion, 10-year bond, 401k contributions, age 67, capital gains, complexity of investing, continuity of income, estate planning, financial advisor, gifting assets, market performance, nasdaq, pre-tax versus roth, required minimum distributions, retirement distributions, rmds, roth ira conversions, russell 2000, s&p 500, schedule d, stepped-up basis, tax loss selling, uncommon sense investing, wisconsin state tax exemption
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 48: Liquidity, Debt, and Private Credit: Navigating Hidden Dangers in Volatile Markets - 11/22/2025
November 22nd, 2025 | 52 mins 50 secs
10-year yield, 1929 market crash, 2008 financial crisis, 401k investments, advanced declines, budget surplus, bulls and bears, buying the dip, capitalism, credit and debt, federal reserve policy, financial education, government investment, growth vs. value, hidden danger, historical parallels, intel equity stake, investment volatility, jdb indicator, lack of transparency, liquidity risk, long position, market indexes, mixed signals, nasdaq, national debt, pe multiples, private credit, private equity, public markets, regulation, retirement planning, s&p 500, sarbanes-oxley, short sale, stock market bubble, strategic businesses
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 47: The Auto Market and Economic Indicators with Guest Bob Clapper - 11/15/2025
November 15th, 2025 | 52 mins 50 secs
amenities, antique cars, automotive technology, average car payment, bob clapper, building contractor, car guy, car loans, car payments, clapper automotive, clapper motorcars, collector car market, customer loyalty drop, dow, elder abuse, electrical diagnosis, financial markets, flood damage, general motors vehicles, growth stocks, high interest rates, inventory, investment advisory services, leading economic indicator, leasing, microchip shortage, nasdaq, negative equity, new car price, off lease cars, price earnings multiples, price gouging, rebuilt title, recession, registered investment advisor, retail car business, russell 2000, s&p 500, salvage vehicle, sec, skilled technicians, uaw strike, underwater loans, unexpected fees, used car price, value stocks, vintage restoration
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 46: Medicare: Advantage Versus Supplement – Doing Your Homework - 11/08/2025
November 8th, 2025 | 52 mins 50 secs
credible coverage, do your homework, financial decisions, financial planning, health insurance, healthcare bankruptcy, hmo, impulse decision, jim rogers, medicare, medicare advantage, medicare part a, medicare part b, medicare part c, medicare part d, medicare supplement, medigap, networks, open enrollment, part b penalty, part d penalty, ppo, pre-authorization, prescription drug coverage, retirement planning, risk mitigation, senior health care, underwriting, wisconsin senior care
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 45: The Investing Meltup: Understanding the Psychology of FOMO and TINA - 11/01/2025
November 1st, 2025 | 52 mins 50 secs
behavioral finance, debt, dollar cost averaging, expensive market, financial strategy, fomo (fear of missing out), great depression, high valuations, inflation, investment psychology, investor emotion, leverage, momentum investing, nasdaq, nvidia, price-earnings multiples, rational investing, risk management, risk tolerance, s&p 500, stock market meltup, stop-losses, technical analysis, tina (there is no alternative), trend investing
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 44: Market Updates, Inflation, and Money Questions with John Berkley - 10/25/2025
October 25th, 2025 | 52 mins 50 secs
3% annualized inflation, 401k, 401k distribution, age 62, age 70, bond portfolio, bull market, capital gains tax, closed end fund, company stock, concentration risk, consumer price index, cpi, dow, federal reserve goal, financial planning, gold bullion, gold mining, high yield bonds, investing, laddered cds, liquid cash, money market, money questions, nasdaq, net unrealized appreciation, nua, ordinary income tax, resource stocks, retirement accounts, retirement planning, robs account, roth ira, russell 2000, s&p 500, safe bonds, social security, stock market, structural inflation, tax location strategy, tax-free investing, timberland, total return, treasuries, value investing
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.
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Episode 43: Market Highs and Massive Cash Positions: Learning from Jim Rogers and Warren Buffett - 10/18/2025
October 18th, 2025 | 52 mins 50 secs
100% cash position, 100% recession predictor, 12 to 18 months lag, all-time highs, benjamin graham, buffett indicator, buy low sell high, corporate bonds, debt, deployment of capital, elevated valuations, extraordinarily expensive stock market, federal reserve, fiat currency, greenspan put, high cash percentage, inverted yield curve, jesse livermore, jim rogers, leverage, margin debt, monetary policy, patience, pe multiple, preservation, q3 earnings, recession timing, risk management, s&p 500, schiller, sitting tight, treasuries, value investing, vix volatility, volatility, warren buffett
Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.