Podcast
The Fiscal Physical Retirement Podcast
Hosted by Ryan Nelson & Aaron Hoisington · EN
Smart Retirement Planning. Straightforward Advice.
Welcome to The Fiscal Physical Retirement Podcast, the show built for professionals and pre-retirees who want clarity, confidence, and control over their financial future. Hosted by Aaron Hoisington and retirement planner Ryan Nelson, founder of Alchemy Wealth Management and author of Your Fiscal Physical, this podcast delivers practical advice, expert insights, and real conversations about retirement readiness, tax-efficient investing, and long-term wealth strategies.
Whether you're five years from retirement or just starting to get serious about your financial goals, each episode simplifies complex financial topics into clear, actionable steps. No jargon. No fear. Just the guidance you need from a trusted financial advisor serving Nevada and beyond.
If you’re looking for a retirement podcast that’s approachable, insightful, and worth your time, this is it.
Subscribe now and get your Fiscal Physical. Your retirement health depends on it.
38episodes
Episodes
Newest firstAll episodes
Roth Conversions in 2026: Is the Window Still Open After the New Tax Law?
5d ago00:20:18Tap to summarizeThe new tax law made today's lower rates permanent, so is a Roth conversion still worth it? Ryan explains how the pre-RMD window works, who benefits, and the tradeoffs to weigh. Education, not personalized tax advice.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.comAnd, as always, Stay the Course!
Transcribe →Safe Withdrawal Rate: How Much Can You Spend Without Running Out?
2w ago00:20:37Tap to summarizeHow much can you pull from savings each year without running out? Ryan breaks down the 4% rule, what current research says about a safe starting rate, and how to adjust it to your own plan. Education, not advice.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.comAnd, as always, Stay the Course!
Transcribe →The History of Credit Cards: How Plastic Reshaped Money
3w ago00:21:20Tap to summarizeCredit cards are everywhere now, but they are a surprisingly recent invention. In this episode, Ryan traces the history of the credit card, from its early days to the swipe-and-tap world we live in today, and how it quietly reshaped the way Americans spend.He and Aaron cover how cards went from a novelty to a financial staple, what that shift did to saving and borrowing habits, and the upsides and pitfalls of living in a plastic economy. A fun, story-driven look at a tool you use all the time but probably never thought much about.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.comAnd, as always, Stay the Course!
Transcribe →$1 Million Now vs. $50,000 a Year for Life: Which Is Better?
4w ago00:21:03Tap to summarizeWould you take $1 million today or $50,000 every year for the rest of your life? In this episode, Ryan uses that thought experiment to unpack one of the most useful ideas in retirement planning: the trade-off between a lump sum and guaranteed lifetime income.He and Aaron talk through how to actually reason about the choice, including how long you might live, what return the lump sum would need to earn, and how much certainty is worth to you. It is the same decision real retirees face with pensions and annuities. This is education, not personal advice, so the right answer depends on your own numbers and goals.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.comAnd, as always, Stay the Course!
Transcribe →US National Debt Explained: Facts, Myths, and Real Concerns
Jul 1400:18:47Tap to summarizeThe U.S. national debt is one of the most talked-about and least understood numbers in the country. In this episode, Ryan explains what the national debt actually is, how it differs from a household's debt, and which common worries are overblown versus genuinely worth watching.He and Aaron cut through the political noise and stick to the mechanics: who the country owes, what the debt funds, and why the size of the number alone does not tell the whole story. The goal is a clear, balanced understanding so you can read the headlines with perspective instead of alarm.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.comAnd, as always, Stay the Course!
Transcribe →The Gold Standard Explained: What It Was and Why It Ended
Jul 700:15:29Tap to summarizeThe gold standard shaped money for generations, then disappeared. In this episode, Ryan explains what the gold standard actually was, how it tied a country's currency to a fixed amount of gold, and why the United States ultimately moved away from it.He and Aaron walk through the trade-offs in plain language: the discipline gold imposed, the flexibility it took away, and how its end shaped the dollar you carry today. A clear, story-driven history that makes a confusing economic topic click, and helps you make sense of the gold debates that still pop up now and then.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.comAnd, as always, Stay the Course!
Transcribe →Are We in a Recession? Separating the Headlines From History
Jun 3000:19:46Tap to summarizeRecession fears make for scary headlines, but how worried should you actually be? In this listener-question episode, Ryan tackles whether the economy is in a recession and how today's picture differs from the 2008 financial crisis.He and Aaron put the current worry in historical context, explaining what a recession really is, why this moment looks different from 2008, and why a long-term investor does not need to react to every alarming headline. Calm and grounded, this is a follow-up to their earlier talk on market crashes, and the message is steady: zoom out, stick to your plan, and focus on what you can control.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.comAnd, as always, Stay the Course!
Transcribe →3 People Who Shaped Money in America: Hamilton, FDR, and Bogle
Jun 2300:25:23Tap to summarizeA handful of people quietly shaped the money system we all use today. In this episode, Ryan tells the stories of three of them: Alexander Hamilton, who built America's financial credibility and credit; Franklin Roosevelt, whose New Deal gave us Social Security, FDIC insurance, and the SEC; and Jack Bogle, who put low-cost index investing within reach of ordinary people.Ryan and Aaron connect each figure to something you use or rely on right now, from the safety of your bank deposits to the funds in your retirement account. A short, story-driven history that makes the modern financial world make a lot more sense.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.comAnd, as always, Stay the Course!
Transcribe →Money Myths Debunked: 3 Common Beliefs That Hold You Back
Jun 1600:21:16Tap to summarizeSome of the most common money beliefs are flat wrong, and they quietly hold people back. In this episode, Ryan and Aaron break down three of the biggest: that investing is just gambling, that you should always pay off debt as fast as possible, and that budgeting means restriction.For each one, Ryan explains the kernel of truth, where the myth goes off the rails, and how to think about it more clearly. Investing and gambling are not the same thing. The fastest debt payoff is not always the smartest one. And a good budget is about freedom, not punishment. A myth-busting episode that can change how you handle your money.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.comAnd, as always, Stay the Course!
Transcribe →How to Prepare Financially for a Layoff Before It Happens
Jun 900:22:49Tap to summarizeThe best time to prepare for a layoff is before it ever happens. In this episode, Ryan walks through a step-by-step plan to get financially ready, starting with your survival number, the bare-minimum amount your household needs to cover each month.From there he covers building an emergency fund that fits that number, trimming fixed costs ahead of time, and knowing your options for health coverage like COBRA and what to do with a 401(k) when you leave a job. The point is to replace fear with a plan, so a job loss becomes a setback you are ready for instead of a crisis. This is education, not personal advice, so tailor the steps to your own situation.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.comAnd, as always, Stay the Course!
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