Podcast
Saving With Silverman
Hosted by Mark Silverman · EN
Welcome to ’Saving With Silverman,’ the ultimate guide to building your wealth and securing your financial future. Hosted by Mark Silverman, a Certified Financial Planner™ in Tucson, AZ, this podcast demystifies the complex world of investing and financial planning. Whether you’re an investing novice or looking to refine your financial strategy, join us for insightful discussions, advice, and actionable tips to navigate the financial landscape with confidence. Tune in to ’Saving With Silverman’ to empower your financial journey and make smarter, more informed decisions with your money.
12episodes
Episodes
Newest firstAll episodes
Mailbag: Loans to Kids, 401(k) Rollovers & Wedding Savings
6d ago00:09:56Tap to summarizeIt’s a Mailbag episode, and Mark’s tackling three real questions from listeners. He shares straightforward guidance designed to help you think through common concerns, so you can make more confident choices with your money. Different situations, same goal: making smart decisions that hold up over time. Here’s what we discuss in today’s show: 🏦 Loan vs Gift: Put agreements in writing to avoid tax and family issues 🔄 401(k) Rollover: More control and flexibility outside your employer plan 💍 Wedding Planning: Start early with a dedicated savings account ⚖️ Fairness Matters: Think through long-term impact on family dynamics Submit your question: https://silverman-associates.com/radio Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832
Transcribe →Are Your Financial Goals Actually Realistic?
3w ago00:10:03Tap to summarizeEveryone talks about setting financial goals, but not everyone stops to ask if those goals actually make sense. Mark walks through how to define what really matters and build a plan around it. Because the goal isn’t just dreaming big, it’s making sure those goals hold up in the real world. A solid plan gives you clarity, confidence, and a path forward no matter what happens. Here’s what we discuss in today’s show: ⏳ Time Matters: You have a limited window to make goals happen 🎯 Define Your Goals: Clarity drives better financial decisions ⚠️ Unrealistic Expectations: High returns with no risk don’t exist 📊 Know If You’re on Track: A plan shows what’s possible (or not) 🛡️ Plan for Scenarios: Prepare for the worst, hope for the best Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832
Transcribe →How Emotions Can Derail Your Retirement Plan
Apr 1600:11:01Tap to summarizeWe like to think our financial decisions are logical, but money decisions are rarely purely logical. Fear, anxiety, overconfidence, and even headlines can influence choices in ways we don’t always recognize. And when emotions take over, even a solid plan can get thrown off track. Today, Mark breaks down how emotions impact financial decisions and why having a disciplined plan, along with the right advisor, can keep you grounded when it matters most. Here’s what we discuss in today’s show: 📉 Timing Mistakes: Fear leads people to sell at the worst times ⚖️ Right Balance: Emotions aren’t bad, unchecked emotions are 📊 Stay Invested: Missing key days can damage long-term returns 🛠️ Guided Planning: Structure helps reduce emotional decisions 🤝 Fiduciary Role: Why having the right advisor keeps you grounded Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832
Transcribe →The 7 Deadly Sins of Retirement Planning
Apr 200:10:50Tap to summarizeWant to get in touch with Mark? 👉 https://silverman-associates.com/home It’s easy to think retirement mistakes come from bad investments, but more often, they come from behavior. Overconfidence, comparison, emotional reactions, and chasing returns can quietly derail even a solid financial plan. The challenge isn’t just knowing what to do; it’s avoiding the habits that pull you off track. Today, Mark walks through the “Seven Deadly Sins” of financial planning and how each one shows up in real life. Here’s what we discuss in today’s show: 🦚 Pride Trap: Overconfidence keeps people from asking for help 👀 Comparison Game: Why chasing others leads to bad decisions 😡 Emotional Moves: How anger can derail your plan 💰 Greed Factor: Taking too much risk at the wrong time 🐢 Sloth Risk: Procrastination and neglect can cost you 🎯 Realistic Goals: Balancing today’s lifestyle with tomorrow’s needs Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832
Transcribe →Choosing the Right Financial Advisor: Trust, Fit, and Red Flags
Mar 1900:10:27Tap to summarizeWant to get in touch with Mark? 👉 https://silverman-associates.com/home Choosing a financial advisor isn’t just about credentials or performance, it’s about trust, communication, and fit. In this episode, Mark sheds light on what really matters when deciding who to work with and why early impressions can be just as important as technical knowledge. Not every advisor is right for every person, and that’s okay. The goal is clarity, confidence, and a relationship built to last. Here’s what we discuss in today’s show: 🤝 Trust & Gut Instincts: Why first impressions still matter 🧰 Advisor Skill Sets: Matching expertise to your situation 👂 Listening & Customization: Why good advice starts with understanding 🚨 Problem Identification: Catching issues before they become costly 🧭 Mark’s Approach: Advice rooted in experience, not products Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832
Transcribe →Popular Advice… But Is It Good Advice?
Mar 500:12:58Tap to summarizeWant to get in touch with Mark? 👉 https://silverman-associates.com/home Bold financial opinions are everywhere, and they’re often delivered with total confidence. Mark takes a more discerning look at popular money advice, and why it can sound smart while missing important context. The problem isn’t that these takes are always wrong, it’s that they’re often applied without considering real people, real timelines, and real tradeoffs. Big financial decisions deserve more than headlines and absolutes. Here’s what we discuss in today’s show: 🎙️ Financial Advice Culture: Why strong opinions travel fast 🔍 So-Called Experts: Separating insight from influence 💬 High-Profile Opinions: When popular advice oversimplifies reality 🏠 Lifestyle vs. Strategy: Why personal context changes everything 🧭 A Practical Approach: Advice built around the individual, not the trend Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832
Transcribe →Mailbag: Social Security Fears, 401(k) Changes, and Dream Retirement
Feb 1900:10:56Tap to summarizeWant to get in touch with Mark? 👉 https://silverman-associates.com/home In this mailbag episode, Mark responds to listener concerns that highlight the uncertainty many people feel as retirement gets closer. These are the kinds of moments where hesitation, assumptions, or bad timing can have lasting consequences. Before making a move, it’s worth slowing down, because big decisions deserve more than guesswork. Here’s what we discuss in today’s show: 💸 Social Security & Taxes: Why benefits can be taxable 🧾 401(k) Plan Changes: What happens after a merger or transition ⏳ Timing Social Security: Weighing early vs delayed decisions 😟 Social Security Anxiety: Fears about the system’s future Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832 520.618.5323
Transcribe →Unlocking The Power of Your Biggest Financial Assets
Feb 500:12:51Tap to summarizeWant to get in touch with Mark? 👉 https://silverman-associates.com/home Most people focus on saving more but overlook how much power they already have. Mark walks through the major financial assets many people take for granted and explains why ignoring them can quietly limit retirement confidence. Tune in to make sure your biggest resources are working together for you, not against you. Here’s what we discuss in today’s show: 🏠 Home Equity: Understanding its role in retirement decisions 💼 Workplace Savings: Why old allocations can become liabilities 🧩 Social Security Value: Treating it like the asset it is 🗂️ Consolidation: Simplifying accounts for clarity and control 📈 Future Potential: Using earning years wisely before retirement Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832
Transcribe →Let's Declutter: Tips To Take Out The Financial Trash
Jan 1500:11:05Tap to summarizeWant to get in touch with Mark? 👉 https://silverman-associates.com/home Clutter isn’t just a problem in your garage, it creeps into your finances, too. In this episode, Mark talks through the habits, products, and decisions that weigh down your money without adding real value. Discover how to clean up your finances and invest confidently for the future. If your finances feel messy or inefficient, this is a smart place to start cleaning up. Here’s what we discuss in today’s show: 🧾 Debt Reality: Knowing what actually adds value 🎢 Risk Awareness: Understanding what you’re really exposed to 💸 Hidden Costs: Fees that quietly erode your progress 💤 Lazy Money: Cash that’s falling behind inflation 🤝 Trust Matters: Avoiding costly mistakes and bad incentives Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832
Transcribe →What The Wizard of Oz Teaches About Retirement
Dec 3100:13:04Tap to summarizeWant to get in touch with Mark? 👉 https://silverman-associates.com/home What does The Wizard of Oz have to teach us about smart financial planning? More than you might think! In this episode, Mark uses the timeless lessons of Dorothy and the Yellow Brick Road to explain why a clear financial plan matters- and why “winging it” rarely works. Just like the journey to the Emerald City, retirement planning requires direction, flexibility, and the ability to adjust when obstacles pop up along the way. Here’s what we discuss in today’s show: 🟡 Why every retirement plan needs a clear “Yellow Brick Road” 🧩 Financial planning is more than investing 🏡 The emotional vs. financial side of paying off your mortgage 🧠 Improving financial literacy and avoiding bad advice 🧙♂️ The importance of getting advice from qualified sources Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832
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