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October 24, 2026 - Money Matters Podcast

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Scott Hanson and Pat McClain in studio during Money Matters Podcast Show
  • Welcome to Allworth’s Money Matters 0:00
  • Helping Adult Children Buy a Home 1:42
  • Direct Indexing vs. ETFs ($1.8M) 13:33
  • Should You Sell a Rental Property? 32:15
  • Life Insurance, Wills & Kids' Savings 48:16

Direct Indexing vs ETFs: Fixing a $1.8M Portfolio

When your retirement savings cross the seven-figure mark, the simple strategies that got you there might actually cost you money in taxes. In this episode, Scott and Pat explain why a high earner with a $1.8M portfolio needs to move beyond basic target-date funds and ETFs into direct indexing—plus when to pay off low-interest debt, how to pass down wealth, and when you can finally afford to spend more.

Scott and Pat also cover:

The 3.25% Mortgage Dilemma: Should you accelerate payoff on low-interest debt when Treasuries yield 5%?

Transitioning from Saving to Spending: A 36-year-old father with $1M saved asks if it’s safe to ease off contributions and start spending more.

The "Bank of Mom and Dad": The financial and family dynamics of gifting or loaning money to adult children for high-cost home down payments.

Real Estate & Tax Traps: Navigating capital gains, Delaware Statutory Trusts (DSTs), and term life insurance rules.

Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com.

Download and rate our podcast here.

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