How often should you rebalance your investment portfolio?

If you Google this question, you'll find the standard answer: quarterly or annually. But what if that advice doesn't fit YOUR situation?

In this episode, father-daughter advisor team Bill and Anastasia Taber tackle the rebalancing debate:

Questions answered:

✓ What is portfolio rebalancing and why does it matter?

✓ Why do passive investors rebalance on a calendar schedule?

✓ What does academic research say about rebalancing benefits?

✓ When should you break the quarterly rebalancing rule?

✓ How do taxes change your rebalancing strategy?

✓ Should you rebalance differently in your 401(k) vs. taxable account?

✓ What's the difference between rebalancing for passive vs. active investors?

The surprising truth: Without rebalancing, a 60/40 portfolio can drift to 80%+ stocks, creating way more risk than you intended. But rigid calendar-based rebalancing isn't the only solution. And for some investors, it's not even the best one.

Anastasia (CERTIFIED FINANCIAL PLANNER™) and Bill (40+ years managing client money) explain why they don't follow conventional rebalancing advice, share real examples of when calendar rebalancing hurts returns, and reveal the tax implications many investors miss.

Your takeaway: A clear framework for deciding how often YOU should rebalance based on your investment style, tax situation, and time horizon.

Perfect for DIY investors, those working with advisors, or anyone trying to build a smarter investment strategy.

Subscribe for behavioral finance insights and practical financial tips. New episodes every other Friday.

Bitcoin dropped from all-time highs. AI agents are making headlines. Ray Dalio is warning about a once-in-a-generation debt cycle. So what should you actually do with your money right now?

In this episode, we cut through the noise to help millennials navigate today's volatile markets. We break down what's really happening with crypto, investor sentiment, and the AI revolution, and why the fundamentals of wealth building matter more during uncertainty, not less.

Here's what we cover:

• Why investor sentiment above 70% is a historical warning sign
• Ray Dalio's Big Cycle Framework and what Stage 5 means for your money
• The AI boom: Separating what's interesting vs. what's actually actionable for your portfolio
• How to handle FOMO around AI stocks and crypto
• We end with an action plan to protect your financial future

Whether you're wondering if you should sell everything, go to cash, or YOLO into AI stocks, this episode gives you the perspective and discipline to stay the course when headlines are screaming at you to panic.

Boring works. Boring wins. And this episode explains why.

Remember to subscribe, leave a review, and share this episode with someone who could benefit. For future podcast topics, you can email us at askcreatingwealth@taberasset.com.

Related Episodes

What History Teaches Us About the Future of the U.S. Economy

Regulating Emotions During Jumpy Markets: A Re-Release

Is Investing in the Stock Market the Same as Gambling?

Why do lottery winners often end up broke within three years? Why do you suddenly face an unexpected car repair the moment you get a raise?

It's not bad luck—it's your Money Blueprint.

In this episode, we dive deep into the psychology of wealth with a breakdown of T. Harv Eker's classic book, Secrets of the Millionaire Mind. We explore the groundbreaking premise that financial success is 80% psychology and only 20% mechanics. You can know everything about stocks and real estate, but if your internal "financial thermostat" is set to "struggle," you will subconsciously sabotage your own growth.

In this episode, we cover:

• The "Financial Thermostat": Why you are subconsciously programmed to earn a specific amount of money (and how to reset it higher).
• Interest vs. Commitment: The difference between "wanting" to be rich and doing what is required.
• The 5 Wealth Files: The specific mindset shifts millennials need to make, including:
  • Victim vs. Creator: Stopping the blame game to take 100% responsibility.
  • Offense vs. Defense: Why playing "not to lose" keeps you stuck in the middle class.
  • Net Worth vs. Working Income: Why high earners often have low wealth.
• The Rewiring Process: A practical 5-step system (Awareness, Understanding, Disassociation, Declaration, Action) to uninstall your limiting beliefs.
• The 7-Day Challenge: How to use physical declarations to change your internal programming this week.

Is your New Year's resolution to "spend less"? We think you can do better. In this episode, we ditch the restrictive "financial diet" mentality and focus on a Value-Based Audit for 2026.

Budgeting isn't just about math; it's about alignment. We share our personal year-end spending reviews (the good, the bad, and the surprising) and introduce a new framework to help you design a budget that funds your "Future Self" rather than your past habits.

In this episode, we cover:

• The Personal Audit: What we learned from our own spending in 2025.
• Keep, Kill, Pivot: A 3-step framework to audit your expenses without the guilt.
• The "Million-Mile Mindset": Why driving your car into the ground is the ultimate "Creating Wealth" hack.
• The "Grace Clause": Why most January budgets fail by February, and what system you need to stay on track when life happens.
• Spending Truisms: Why "what gets measured, gets managed" is still the golden rule of personal finance.

Whether you are looking to pay off debt or simply align your spending with your values, this episode is full of specific advice and wisdom to help you have a successful financial year ahead.

Don't forget to subscribe, leave a review, and share this episode with someone who could benefit. For future podcast topics, you can email us at askcreatingwealth@taberasset.com.

Are you "bad with money," or are you just exhausted?

If your brain feels like a browser with 100 tabs open, you are likely carrying a heavy mental load. While we often talk about mental load regarding chores or parenting, there is a Financial Mental Load, the invisible worry, planning, and remembering, that is silently sabotaging your bank account.

In this episode, we explore why burnout is not just an emotional issue; it is a financial one. We break down why smart, capable professionals struggle to stick to a budget and how decision fatigue leads to expensive impulse buys and "convenience costs."

In this episode, you will learn:

• The "Bandwidth Tax": Why having a full to-do list literally lowers your financial IQ and leads to poor money decisions.

• The "Ostrich Effect": Why we ignore our bank accounts when we are stressed and how to break the cycle of avoidance.

• Revenge Bedtime Procrastination: The psychology behind why we stay up late shopping online to regain a sense of control.

• The "Financial Uniform": How to reduce decision fatigue by standardizing your money choices.

• Systems Over Willpower: Tools to automate your finances so they work even when you are running on empty.

Stop beating yourself up for being tired. Tune in to learn how to lower your mental load and build a financial system that supports you, rather than drains you.

Listen now and don't forget to subscribe, share, or leave a review to help others discover tools for financial growth and emotional well-being. For future podcast topics, you can email us at askcreatingwealth@taberasset.com.

It's our favorite tradition of the year! In this special holiday episode, we step away from the spreadsheets and stock charts to focus on the "mental game" of money: Gratitude.

We believe that an Abundance Mindset is critical for financial success. When you appreciate what you have, you make better spending decisions, feel less financial stress, and build wealth from a place of confidence rather than fear.

Today, we are reading anonymous messages from our listeners, friends, and family sharing their wins, reflections, and moments of thanks from 2025. From big financial milestones to the quiet moments that matter most, these stories define what it truly means to be wealthy.

In this episode, we celebrate:

• Real-life stories of resilience and growth from the Creating Wealth community.

• A list of questions that help you incorporate the process of gratitude into your life.

• Why reflection is the most important step in year-end financial planning.

Listen now and don't forget to subscribe, share, or leave a review to help others discover tools for financial growth and emotional well-being. For future podcast topics, you can email us at askcreatingwealth@taberasset.com.

Don't let your emotions and 'mental shortcuts' sabotage your financial future. This is the essential deep-dive into the Invisible Costs of Cognitive Biases and the behavioral finance secrets that cost millennials thousands in lost savings and poor investing decisions.

If you know the basics of personal finance but still struggle with execution, this episode is for you. We move beyond "Behavioral Finance 101" to uncover the sneaky biases that drain your net worth without you realizing it.

In this episode, you will learn:

• Restraint Bias: Why relying on "willpower" is the most expensive financial strategy you have, and how to fix it.
• How the power of inertia (Status Quo Bias) is costing you
• How Recency Bias and Social Proof are destroying long-term asset allocation and distorting your sense of "enough."
• Mental Accounting: How 'bucketing' affects your total wealth-building.
• The Anti-Bias Toolkit: Actionable defense mechanisms like the Ulysses Contract, Friction Design, and automating your finances to defeat Decision Fatigue.

Your financial plan is only as strong as your psychology. Tune in and learn how to recognize and neutralize these unconscious errors to make clearer, more grounded money decisions starting today.

Special Note: It's that time of year again! We are about to record our annual gratitude episode which we've done every year since we began the podcast, and we need YOUR messages. We find it's a wonderful way to end the year and remind ourselves of what truly matters. If you've never submitted a message before, we highly encourage you to send us one this year. If you've submitted one in the past, we'd love to hear an update on how your last year has gone. You can send them to us on our social media, by PMing Anastasia or by emailing us at askcreatingwealth@taberasset.com. Please submit them as soon as possible – by Friday December 12th. We can't wait to hear from you!

PM Anastasia on LinkedIn

Related Episodes:

Behavioral Finance 101

How to Manage Your 401(k)

5 Ways to Limit Lifestyle Creep

Artificial intelligence is evolving at lightning speed, but how do you separate innovation from the hype? And what does any of this mean for your daily life, your privacy, and your investment decisions?

In this episode, we break down the biggest AI breakthroughs since our last update and explore how everyday people can use chatbots without feeling overwhelmed. We cover simple AI use cases, the strategies that make AI far more powerful, and the biggest risks to watch out for when using AI casually, especially around privacy and financial tools.

We also dig into the headlines about AI stocks, sky-high valuations, and whether we're entering bubble territory…or just seeing noise. You'll learn what's trustworthy, what's exaggerated, and how to stay grounded when markets get loud.

We discuss:

The most important AI breakthroughs since our last update:

-AI's current "superpower"

-Practical ways to use chatbots in daily life

-Frameworks for going beyond basic prompts

-The biggest risks of using AI casually (and how to avoid them)

-How to tell whether AI-powered financial tools are trustworthy

-What to know about privacy when using chatbots or AI assistants

-Whether AI stocks are entering bubble territory: what's valid and what's noise

If you're curious about using AI to improve your life and want to understand today's market environment, this episode will ground you in what matters most.

For questions, comments, or feedback, email us at askcreatingwealth@taberasset.com. Be sure to subscribe and leave a review to stay updated on future episodes.

Related Episodes

May 2025 AI Update, Part One

May 2025 AI Update, Part Two

2024 - Navigating the AI Revolution: Insights for Investors and Workers, Part One

2024 - Navigating the AI Revolution: Insights for Investors and Workers, Part Two

2023 - Are You Prepared for the AI Revolution?