More for Your Money

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.

Episode 33: The Future of Investing: AI, Productivity Gains, and Portfolio Bonds - 08/09/2025

August 9th, 2025  |  52 mins 50 secs

10-year note, ai applications, ai efficiencies, ai ethics, ai productivity gains, ai safety, ai thinking partner, artificial intelligence (ai), asset classes, asset preservation, bond market fluctuations, bond maturity, bond portfolio, bond rating agencies, bonds, capital gains taxation, cash, cds, chatgpt, client priorities, closed-end investment companies, compliance logs, corporate bonds, credit rating, credit spread, debt monetization, derivatives, equity, etfs, expensive market, federal reserve, fixed income, goldilocks market, google notebook, government bonds, government deficits, gro, growth, high-yield bonds, higher education, household accounts, income, inflation, investment process, investment products, ira bonds, job descriptions, junk bonds, market beta, market pullback, market timing, market update, microsoft copilot, momentum investing, mutual funds, nasdaq, note-taking ai, price-earnings multiple, real interest rates, reversion to the mean, risk in bonds, risk tolerance, risk-return relationship, roth ira, s&p 500, staffing, stocks vs. bonds, traditional ira, us treasury auction, volatility reduction

Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.

Episode 32: A Fireside Chat on Life, Work, and Investing for the Next Generation - 08/02/2025

August 2nd, 2025  |  52 mins 50 secs

401k, career advice, early investing, economic outlook, financial planning, free market capitalism, investing, life lessons, mentorship, money management, personal finance, retirement planning, roth ira, socialism, wealth accumulation, youth investing

Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.

Episode 29: Generational Insights and Practical Financial Wisdom - 07/12/2025

July 12th, 2025  |  52 mins 50 secs

401k, bitcoin risks, capital gains, compounding capital, debt avoidance, developing markets, family business model, financial advisor, financial education, financial fundamentals, financial planning, generational insights, gold, investing vs. debt, investment strategies, janesville, market trends, mortgage payoff, natural resources, portfolio diversification, rebalancing assets, risk tolerance, roth ira, tax implications, wealth management

Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.

Episode 27: Navigating Market Records, Understanding Price vs. Value, and Fred Smith's Economic Insights - 06/28/2025

June 28th, 2025  |  52 mins 50 secs

529 accounts, custodial account, deficits, dow jones, economic systems, federal reserve, fedex, financial advice, fred smith, free enterprise, government control, human nature in investing, inflation, investing, investment strategy, long-term investing, market records, market trends, market volatility, money management, nasdaq, p/e ratio, price vs. value, price-to-earnings multiple, roth ira, russell 2000, s&p 500, short-term investing, stock market, tariffs, transfer payments, utma account

Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.

Episode 24: Graduation & Beyond: Developing Strong Financial Behaviors - 06/07/2025

June 7th, 2025  |  52 mins 50 secs

avoiding splurges, budgeting tips, company 401k match, credit card management, developing strong financial behaviors, emergency fund creation, financial independenc, financial literacy, frugal living, graduation financial advice, investing early, money management for young adults, post-college finances, roth ira, setting financial goals, student loan debt, time value of money, true cost of education

Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.

Episode 21: A Walk Down History - Taxes, Investments, and the Changing Landscape - 05/17/2025

May 17th, 2025  |  52 mins 50 secs

16th amendment, 401k history, asset charges, capital formation, deficit spending, federal taxation, fiduciary standard, financial advisor, government spending history, great depression, great society, index funds, indexing history, investing history, investment advice, investment fees, investment landscape, investment opportunities, investment products, ira history, limited partnerships, new deal, roth ira, sarbanes-oxley, stock market history, tax history, us national debt

Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.

Episode 12: Market Corrections, Risk, and Rethinking Retirement - 3/15/25

March 15th, 2025  |  52 mins 54 secs

behavioral investing, financial independence, financial planning, fire movement, investing mindset, ira strategies, janesville wi, john berkley, long-term investing, market update, more for your money, retirement strategy, risk tolerance, roth ira, sheena hanson, social security timing, stock market correction, uncommon cents investing, value vs growth, wealth building

John Berkley was joined by Sheena Hanson for an insightful and down-to-earth discussion on what recent market movements mean for long-term investors, and why strategy and mindset are more important than ever.

Episode 8: Retirement Withdrawal Strategies - 2/15/25

February 15th, 2025  |  52 mins 54 secs

4% rule, bucket strategy, financial literacy, flexible planning, income planning, janesville wisconsin, john berkley, long-term investing, market volatility, portfolio strategy, retirement goals, retirement income, retirement planning, retirement withdrawal strategies, roth ira, sequence of return risk, sheena hanson, tax efficiency, uncommon cents investing, value investing

How do you turn your nest egg into a reliable paycheck in retirement? This week, John Berkley is joined by Sheena Hanson, CEO and CCO of Uncommon Cents Investing, for a deep dive into withdrawal strategies that help retirees make the most of their hard-earned savings. They explore the 4% rule, tax-smart distribution tactics, bucket strategies, and how to avoid common pitfalls like sequence of return risk. Whether you’re approaching retirement or already there, this episode will help you understand how to take money out without running out.

Episode 5: Roth IRA Conversions: The Why, the Why Not, and the Rest of the Story - 01/25/2025

January 25th, 2025  |  52 mins 54 secs

estate planning, irmaa, janesville wi, john berkley, market timing, medical deductions, personal finance, qualified charitable distributions, retirement planning, roth conversion, roth ira, roth vs traditional ira, savers credit, tax strategies, uncommon sense investing

This week on More for Your Money, John Berkley and Kit Carson dive deep into a topic that generates more questions than answers: Roth IRA conversions. Should you convert? When does it make sense—and when does it not? With John's decades of experience and Carson's sharp curiosity, the duo takes listeners through a thoughtful, nuanced look at one of the most misunderstood moves in retirement planning.

Using the classic Paul Harvey style—“the rest of the story”—John highlights the lesser-known risks and hidden pitfalls of converting, like the impact of future tax law changes, state residency, IRMAA brackets, medical expense deductions, charitable giving strategies, and even market timing. And yes, he also shares smart, strategic situations where a Roth conversion does make good sense.