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    <title>More for Your Money - Episodes Tagged with “Price Earnings Multiples”</title>
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    <pubDate>Sat, 27 Dec 2025 12:00:00 -0500</pubDate>
    <description>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.
Disclosure: https://bit.ly/3Yc920O
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    <itunes:subtitle>An Uncommon 'Cents' approach to investing</itunes:subtitle>
    <itunes:author>Uncommon Cents Investing</itunes:author>
    <itunes:summary>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.
Disclosure: https://bit.ly/3Yc920O
</itunes:summary>
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    <itunes:keywords>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.</itunes:keywords>
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      <itunes:name>Uncommon Cents Investing</itunes:name>
      <itunes:email>sheena@uncommoncentsinvesting.com </itunes:email>
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  <title>Episode 53: The Idea Factory: Unpacking Annuities, NUA, and the 'Nuts and Bolts' of Investing - 12/27/2025</title>
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  <pubDate>Sat, 27 Dec 2025 12:00:00 -0500</pubDate>
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  <itunes:subtitle>Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.</itunes:subtitle>
  <itunes:duration>52:50</itunes:duration>
  <itunes:explicit>no</itunes:explicit>
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  <description>&lt;p&gt;In this episode of "More for Your Money," host John Berkley discusses navigating a market entering its third consecutive year of double-digit returns. Acting as an "idea factory," Berkley explores the "nuts and bolts" of complex financial products, emphasizing the necessity of auditing annuity contracts for hidden fees and missing beneficiaries. He details specialized tax strategies, including Net Unrealized Appreciation (NUA) and managing distributions within the 12% marginal tax bracket to capitalize on 0% federal capital gains. Citing Dalbar research, Berkeley warns against emotional investing, urging listeners to plan for a retirement that feels like a "perpetual snow day". &lt;/p&gt;
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  <itunes:keywords>investment advisory services, market performance, S&amp;P 500 double-digit returns, 10-year Treasury bonds, price-earnings multiples, value versus growth stocks, variable annuities, annuity rider fees, maintenance and expense fees, auditing insurance beneficiaries, Net Unrealized Appreciation (NUA), company stock distribution strategies, TEFRA Act of 1982, 1035 exchange, marginal tax bracket planning, 12% tax bracket, 0% federal capital gains rate, step-up in basis, Dalbar research, investor underperformance, emotional decision-making in investing, financial case studies, idea factory, retirement snow day metaphor, Benjamin Graham, Peter Lynch, Warren Buffett, and compounding interest.</itunes:keywords>
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    <![CDATA[<p>In this episode of &quot;More for Your Money,&quot; host John Berkley discusses navigating a market entering its third consecutive year of double-digit returns. Acting as an &quot;idea factory,&quot; Berkley explores the &quot;nuts and bolts&quot; of complex financial products, emphasizing the necessity of auditing annuity contracts for hidden fees and missing beneficiaries. He details specialized tax strategies, including Net Unrealized Appreciation (NUA) and managing distributions within the 12% marginal tax bracket to capitalize on 0% federal capital gains. Citing Dalbar research, Berkeley warns against emotional investing, urging listeners to plan for a retirement that feels like a &quot;perpetual snow day&quot;.</p>]]>
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    <![CDATA[<p>In this episode of &quot;More for Your Money,&quot; host John Berkley discusses navigating a market entering its third consecutive year of double-digit returns. Acting as an &quot;idea factory,&quot; Berkley explores the &quot;nuts and bolts&quot; of complex financial products, emphasizing the necessity of auditing annuity contracts for hidden fees and missing beneficiaries. He details specialized tax strategies, including Net Unrealized Appreciation (NUA) and managing distributions within the 12% marginal tax bracket to capitalize on 0% federal capital gains. Citing Dalbar research, Berkeley warns against emotional investing, urging listeners to plan for a retirement that feels like a &quot;perpetual snow day&quot;.</p>]]>
  </itunes:summary>
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<item>
  <title>Episode 45: The Investing Meltup: Understanding the Psychology of FOMO and TINA - 11/01/2025</title>
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  <pubDate>Sat, 01 Nov 2025 14:00:00 -0400</pubDate>
  <author>Uncommon Cents Investing</author>
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  <itunes:duration>52:50</itunes:duration>
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  <description>&lt;p&gt;John Berkley welcomes clinical psychologist Dr. Jim Burns to discuss the psychological forces driving today's expensive market. The conversation explores the current "meltup"—an extraordinarily rapid price increase detached from valuations—that is fueled by emotion, not rational behavior.&lt;br&gt;
A major focus is on FOMO (Fear of Missing Out) and TINA (There Is No Alternative), which have pushed investors out of bond equivalents and into risk assets. Dr. Burns notes that historical economic models assumed investors were rational, but financial decisions are often made emotionally. Berkeley emphasizes that current high valuations suggest expectations should be managed, and the key takeaway is the importance of adopting and adhering to a consistent investment strategy to avoid making poor choices based on market swings. The hosts also warn that the "backside" of a meltup can be severe. Special Guest: James A. Burns, PhD.&lt;/p&gt;
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  <itunes:keywords>Investment psychology, behavioral finance, FOMO (Fear of Missing Out), TINA (There Is No Alternative), stock market meltup, expensive market, high valuations, investor emotion, financial strategy, risk tolerance, price-earnings multiples, momentum investing, trend investing, rational investing, financial decision making, S&amp;P 500, market volatility</itunes:keywords>
  <content:encoded>
    <![CDATA[<p>John Berkley welcomes clinical psychologist Dr. Jim Burns to discuss the psychological forces driving today&#39;s expensive market. The conversation explores the current &quot;meltup&quot;—an extraordinarily rapid price increase detached from valuations—that is fueled by emotion, not rational behavior.<br>
A major focus is on FOMO (Fear of Missing Out) and TINA (There Is No Alternative), which have pushed investors out of bond equivalents and into risk assets. Dr. Burns notes that historical economic models assumed investors were rational, but financial decisions are often made emotionally. Berkeley emphasizes that current high valuations suggest expectations should be managed, and the key takeaway is the importance of adopting and adhering to a consistent investment strategy to avoid making poor choices based on market swings. The hosts also warn that the &quot;backside&quot; of a meltup can be severe.</p><p>Special Guest: James A. Burns, PhD.</p>]]>
  </content:encoded>
  <itunes:summary>
    <![CDATA[<p>John Berkley welcomes clinical psychologist Dr. Jim Burns to discuss the psychological forces driving today&#39;s expensive market. The conversation explores the current &quot;meltup&quot;—an extraordinarily rapid price increase detached from valuations—that is fueled by emotion, not rational behavior.<br>
A major focus is on FOMO (Fear of Missing Out) and TINA (There Is No Alternative), which have pushed investors out of bond equivalents and into risk assets. Dr. Burns notes that historical economic models assumed investors were rational, but financial decisions are often made emotionally. Berkeley emphasizes that current high valuations suggest expectations should be managed, and the key takeaway is the importance of adopting and adhering to a consistent investment strategy to avoid making poor choices based on market swings. The hosts also warn that the &quot;backside&quot; of a meltup can be severe.</p><p>Special Guest: James A. Burns, PhD.</p>]]>
  </itunes:summary>
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<item>
  <title>Episode 26: Market Valuations, Financial Repression, and the Psychology of Investing - 06/21/2025</title>
  <link>https://moreforyourmoney.fireside.fm/26</link>
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  <pubDate>Sat, 21 Jun 2025 15:00:00 -0400</pubDate>
  <author>Uncommon Cents Investing</author>
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  <itunes:subtitle>Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.</itunes:subtitle>
  <itunes:duration>52:50</itunes:duration>
  <itunes:explicit>no</itunes:explicit>
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  <description>&lt;p&gt;This episode of "More for Your Money" features John Berkley, Greg, and Todd discussing market performance, historically high price-earnings multiples, and AI's influence on growth. Topics include "financial repression," structural inflation, income inequality, and contrarian economic views. Uncommon Cents Investing shares their approach of disciplined, long-term value investing in individual stocks, emphasizing the psychology of investing. Special Guests: Greg Snyder and Todd Berkley.&lt;/p&gt;
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  <itunes:keywords>investment advisory, fee-based firm, registered investment advisor, fiduciary standard, market performance, S&amp;P performance, price-earnings multiples, elevated valuations, Artificial Intelligence (AI) impact, accelerating growth rates, financial repression, central bank actions, asset prices, structural inflation, government deficits, income inequality, value stocks, individual common stocks, long-term strategy, not timing the market, portfolio building, client objectives, time horizons, psychology of investing, contrarian economic views, Lacy Hunt, Jeremy Siegel, Ray Dalio, deflation, estate planning</itunes:keywords>
  <content:encoded>
    <![CDATA[<p>This episode of &quot;More for Your Money&quot; features John Berkley, Greg, and Todd discussing market performance, historically high price-earnings multiples, and AI&#39;s influence on growth. Topics include &quot;financial repression,&quot; structural inflation, income inequality, and contrarian economic views. Uncommon Cents Investing shares their approach of disciplined, long-term value investing in individual stocks, emphasizing the psychology of investing.</p><p>Special Guests: Greg Snyder and Todd Berkley.</p>]]>
  </content:encoded>
  <itunes:summary>
    <![CDATA[<p>This episode of &quot;More for Your Money&quot; features John Berkley, Greg, and Todd discussing market performance, historically high price-earnings multiples, and AI&#39;s influence on growth. Topics include &quot;financial repression,&quot; structural inflation, income inequality, and contrarian economic views. Uncommon Cents Investing shares their approach of disciplined, long-term value investing in individual stocks, emphasizing the psychology of investing.</p><p>Special Guests: Greg Snyder and Todd Berkley.</p>]]>
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