Part 2 of the Next Generation series focuses on the financial decisions young adults are making right now, and the ones that matter most long term.

Joe breaks down the habits, mindset, and common mistakes that can either set you up early… or quietly hold you back for years.

If you're in your 20s or 30s (or a parent trying to guide your kids well), this episode brings clarity to what actually matters—without hype, speculation, or complicated strategies.

Topics include:

• What young adults should focus on first financially
• The biggest early mistakes to avoid
• Why habits matter more than timing the market
• How to think long-term from the beginning

For a quick assessment of your current financial life go to:

Livingbalancesheet.com/lbsvision/lite/joedelisi

At the end of the assessment you can request a meeting with me to review the results.

joedelisi.com

In this episode, Joe DeLisi revisits one of his most talked-about conversations, “The Worst Decision a Client Has Ever Made”—and addresses the surprising takeaway many listeners walked away with.

If you’ve ever thought holding a few individual stocks is the same as “owning a business,” this episode is for you.

Joe breaks down the dangerous misunderstanding behind that belief and explains why treating your portfolio like a collection of handpicked bets can quietly derail long-term success. Using simple, real-world analogies, he challenges the way most people think about investing—and shows you a more disciplined approach that removes emotion, speculation, and guesswork.

This is a straight conversation about behavior, not predictions—because in the long run, your decisions matter far more than the market headlines.

If you want clarity, confidence, and a better framework for how to actually think about your money, don’t skip this one.

For a quick assessment of your current financial life go to:

Livingbalancesheet.com/lbsvision/lite/joedelisi

At the end of the assessment you can request a meeting with me to review the results.

joedelisi.com

Over the past several years, I’ve noticed something happening with many of my long-time clients.

Their kids are growing up.

The same families I’ve worked with for 20+ years now have sons and daughters in their early 20s—thinking about college, careers, and starting their financial lives. And more and more, parents ask me the same question:

“Would you talk to my son or daughter about money?”

That’s what this episode is about.

In this conversation, I explain how the advice I give someone at the top of their career is very different from the guidance I give a 21- or 23-year-old who is just getting started. We talk about early career decisions, how to think about money when you’re young, and the habits that can set you up for long-term financial success.

If you’re just beginning your financial journey—or if you’re the parent of someone who is—this episode is meant to give you a clearer way to think about the decisions ahead.

For a quick assessment of your current financial life go to:

Livingbalancesheet.com/lbsvision/lite/joedelisi

At the end of the assessment you can request a meeting with me to review the results.

joedelisi.com

Tensions between the United States and Iran have resurfaced, and headlines are once again stirring uncertainty in global markets.

In this episode, Joe breaks down what’s actually happening, what history tells us about geopolitical conflicts and market reactions, and—most importantly—how long-term investors should think during moments like this.

You’ll hear:

• A clear overview of the current U.S.–Iran conflict
• How markets typically respond to geopolitical tension
• Why oil prices and global supply chains matter
• The difference between short-term headlines and long-term fundamentals
• What disciplined investors should (and shouldn’t) do right now

For a quick assessment of your current financial life go to:

Livingbalancesheet.com/lbsvision/lite/joedelisi

At the end of the assessment you can request a meeting with me to review the results.

joedelisi.com

Is buying the cheapest index fund really the smartest move?

It sounds logical. Low cost. Broad diversification. Simple.
But investing isn’t just about cost, it’s about understanding where returns actually come from.

In this episode, Joe breaks down why “cheap indexing” alone may not be a complete strategy. He walks through expected returns, risk premiums, and how academic theory gets misapplied in real-world portfolios. More importantly, he explains the gap between understanding the math and building a disciplined strategy that holds up over time.

If you’ve ever wondered whether expense ratios are the only thing that matters, or if you’re an advisor trying to articulate deeper portfolio philosophy, this episode will challenge your thinking.

Topics Covered:

• Why the cheapest fund isn’t automatically the best solution
• Where returns really come from
• Risk vs. volatility
• Portfolio construction beyond headline expense ratios
• The difference between academic theory and practical implementation

This episode is for investors and advisors who want to move past surface-level advice and understand the mechanics behind long-term wealth building.

For a quick assessment of your current financial life go to:

Livingbalancesheet.com/lbsvision/lite/joedelisi

At the end of the assessment you can request a meeting with me to review the results.

joedelisi.com

Business owners don’t need the same financial plan as employees, and pretending they do can cost you flexibility, taxes, and options down the road.

In this episode, Joe DeLisi explains why traditional financial planning often fails entrepreneurs, even when it looks “smart” on paper. Drawing from real-world experience as a business owner, Joe breaks down how taxes, exit planning, and long-term strategy should work together without locking you into decisions that limit your future.

This episode is for business owners who feel boxed in by their current plan, unsure about exit timing, or frustrated by strategies that prioritize optimization over control.

You’ll learn:

• Why business owners require a different financial planning approach
• How overly complex strategies can limit flexibility
• Why exit planning matters even if you’re not selling soon
• The tradeoffs between tax savings and long-term control

For a quick assessment of your current financial life go to:

Livingbalancesheet.com/lbsvision/lite/joedelisi

At the end of the assessment you can request a meeting with me to review the results.

joedelisi.com

Every election cycle, I hear the same question:
“Should I be worried about my investments because of what’s happening in politics?”

In this episode, I walk through what actually matters, and what doesn’t, when it comes to politics and the stock market. We look at real historical data across different administrations and election cycles and talk honestly about how markets have behaved over time.

If the news has you feeling uneasy about your portfolio, this episode will help you reset your thinking and focus on what actually drives long-term wealth.

For a quick assessment of your current financial life go to:

Livingbalancesheet.com/lbsvision/lite/joedelisi

At the end of the assessment you can request a meeting with me to review the results.

joedelisi.com

What do billionaires actually worry about?

It’s not what most people think.

In this episode of the Joe DeLisi Financial Podcast, Joe breaks down the real concerns he sees among ultra-high-net-worth individuals—the issues that keep wealthy families up at night long after money is no longer the problem.

From protecting wealth across generations to avoiding catastrophic mistakes, losing control, or becoming the cautionary tale, this conversation reveals the unseen side of financial success. Joe explains why accumulating money is often the easiest part—and why staying wealthy, purposeful, and free from regret is far more complex.

Whether you’re building wealth, already financially successful, or simply curious how the world’s richest think differently about risk, legacy, and control, this episode offers a rare, grounded look behind the curtain.

This isn’t about chasing billions.
It’s about understanding what really matters once you have more than enough.

For a quick assessment of your current financial life go to:

Livingbalancesheet.com/lbsvision/lite/joedelisi

At the end of the assessment you can request a meeting with me to review the results.

joedelisi.com