Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money.

Trying to decide whether to buy a house or keep renting is a bit like choosing between pancakes and waffles—both can be delicious, both come with their own quirks, and everyone seems to have a strong opinion about which one is “the right” choice. When it comes to retirement, though, the decision feels less like breakfast and more like a long game of Jenga: every move counts, and one wobbly block could change the whole tower. So, should you plant roots with a mortgage or keep things flexible with rent?

On this episode, Brad weights in on the debate from a financial planning point of view and gives his thoughts on how each decision can affect your long-term financial planning goals.

Show Highlights Include:

• Younger People Are Losing Faith In Buying A Home (4:00)

• Owning Is A Good Part Of Wealth Building (9:00)

• Popular Pros And Cons (11:00)

• You're Not Wrong Either Way (12:45)

• There's Quantitative And Qualitative Sides (16:30)

Listen Now!

To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-409-8150.

To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here: Mindset with Brad Barrett

Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money.

Day trading is often pitched as the financial world’s version of extreme sports: fast, thrilling, and just dangerous enough to make your mother nervous. The promise is intoxicating—skip the 9-to-5, make money in your pajamas, and casually “retire” before lunch. But behind the glossy Instagram reels of traders on laptops by the beach lies a less glamorous reality: stress sweats, impulsive decisions, and a suspiciously strong relationship with energy drinks. The question is, are the potential rewards worth the emotional rollercoaster—or are day traders just adrenaline junkies with a brokerage account?

On this episode, Brad gives his take on day trading and reveals some of the psychological pitfalls that are more likely to send the everyday trader to the poor house than the penthouse.

Show Highlights Include:

• Definition of a day trader (3:00)

• The Day Trading Gamble (5:45)

• The psychology of it (10:00)

• Watch out for the hot tip (12:45)

• Check Your ego at the door (15:15)

Listen Now!

To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-409-8150.

To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here: Mindset with Brad Barrett

Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money.

If you’ve ever opened a brokerage app, stared at a stock chart shaped like a heart monitor, and thought, “Am I investing, or did I just put $500 on red at the roulette table?” — you’re not alone. For many of us it feels like investing and gambling are like cousins at a family barbecue: one shows up in a suit talking about “long-term growth,” while the other is in a Hawaiian shirt yelling, “Double or nothing!” The line between the two can feel blurry, especially when your retirement plan looks suspiciously like a Vegas weekend—just without the free cocktails.

On this episode, Brad tries once and for all to convince us that investing and gambling are two very different things, while Jared and Kira try to get him to finally admit they are one in the same. It’s a debate for the ages, and the winner will definitely surprise you.

Show Highlights Include:

• The Expected Returns (2:00)

• Stocks Differ From Overall Investing (4:15)

• The Stats Favor Investing (13:30)

• Strategy Vs Luck (16:00)

• Investing By Definition is Gambling (20:30)

Listen Now!

To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-409-8150.

To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here: Mindset with Brad Barrett

Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money.

Credit scores are like that mysterious number your parents warned you about but never fully explained—sort of like the adult version of a GPA, except instead of determining whether you get into college, it decides whether you get a car loan, a mortgage, or just a sad little store credit card with a $200 limit. They say that a “good” credit score usually means you look trustworthy enough to lenders (think financial Tinder, but without the awkward bios), while a bad one can follow you around like a bad haircut in your high school yearbook. But is that even true? Have we moved beyond caring about what your credit score is?

On this episode, we’re talking all things credit scores. What is it? What a good one is and do they really matter anymore?

Show Highlights Include:

• What Is A Credit Score (02:00)

• What's A Good Credit Score (4:15)

• Do Young Adults Need Credit? (7:00)

• Mid-Life Credit Importance (12:30)

• Should Retirees Care About Their Credit? (13:30)

Listen Now!

To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-409-8150.

To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here: Mindset with Brad Barrett

Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money.

If you’ve ever looked at the stock market and thought, “This looks like Vegas, but with fewer slot machines and way more people in suits sweating over coffee,” you’re not alone. To many, the stock market seems like a giant marketplace where people buy and sell tiny pieces of companies—like trading Pokémon cards, except instead of a shiny Charizard, you’re trying to snag a share of Apple before your uncle’s “hot tip” crashes faster than his fantasy football team. But unlike Pokémon, there are real risks: you can win big, lose big, or, most likely, end up somewhere in between wondering why you didn’t just stick with index funds and a savings account.

On this episode, Brad walks the team through a crash course in the stock market, why we all should be investing in it, and talks about some of the risk factors that everyone needs to know about before buying.

Show Highlights Include:

• Stock Knowledge Stats (03:15)

• What Is The Stock Market (5:20)

• Defining Dividends (6:15)

• Choosing Company Stocks (9:30)

• Knowing The Risks (14:30)

Listen Now!

To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-409-8150.

To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here: Mindset with Brad Barrett

Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money.

Picking the right savings account can feel a lot like online dating: they all promise security, growth, and a bright future together, but the fine print can make or break the relationship. High-yield savings? That’s your money hitting the gym. Certificates of Deposit? That’s your money in a serious long-term relationship—no breakups allowed. Traditional savings? That’s the dependable friend who’s always available but never picks up the check. The key isn’t just knowing who’s out there—it’s knowing the best time to swipe right on each account.

On this week’s episode, the team walks through your choices and discusses when to use each one, so your cash grows instead of just sitting there like the treadmill you swore you’d use.

Show Highlights Include:

• Do You Know Your Interest Rate? (03:30)

• Savings Or Money Market Account (5:00)

• Cds? Yes, Please (8:30)

• HSA To The Rescue (11:30)

• Do I Even Need A Savings Account (16:30)

Listen Now!

To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-409-8150.

To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here: Mindset with Brad Barrett

Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money.

If you’ve ever wondered whether to trust your life savings to a warm-blooded human in a suit or a cold, unblinking algorithm that dreams in ones and zeros, you’re not alone. On one hand, financial advisors can offer a reassuring smile, a firm handshake, and occasionally a story about “that one time in ’08.” On the other, AI doesn’t need coffee breaks, doesn’t judge your avocado-toast spending habits, and can crunch more numbers in a second than your accountant has in their lifetime. But when it comes to growing your money, which one will actually have you sipping cocktails on the beach instead of eating instant noodles in retirement?

On this week’s episode, Brad stands up for all his CFP brethren and states his case to why human financial advisors will always win out over the AI insurgence.

Show Highlights Include:

• Numbers Vs Nuisance (04:00)

• Behavior Beats Brilliance (6:00)

• Planning Is Personal (10:15)

• Tools Vs Trust (12:30)

• Do We Actually Trust Ai (17:30)

Listen Now!

To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-409-8150.

To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here: Mindset with Brad Barrett

Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money.

Let’s face it—keeping your money safe these days feels a bit like guarding a cookie jar in a room full of toddlers hopped up on sugar. We’ve heard the horror stories: from people who clicked one “urgent” email and ended up buying a broken-down lawnmower in Latvia, to those who thought “123456” was a solid password choice (spoiler: it’s not). Hackers and scammers are out there, lurking behind fake login screens and suspicious phone calls, just waiting to turn your savings into their vacation fund. But don’t panic!

On this week’s episode, we’re handing out some simple—and seriously effective—tips to help you keep your accounts safer than a pork sandwich at a vegan barbecue.

Show Highlights Include:

• They Scammed My Grandma! (00:45)

• Credit Cards Over Debt Cards (4:30)

• Don't Use All The Same Passwords (8:15)

• Don't Use Unsecured WiFi (14:45)

• Check Those Accounts (17:30)

Listen Now!

To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-409-8150.

To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here: Mindset with Brad Barrett