Saving With Silverman

Not every misleading financial statement is an outright lie, but that does not make it harmless. Mark breaks down several common claims investors hear and explains why the full story is often more complicated. He also shares how transparency and personalized guidance can help you make more informed decisions. Would you recognize a financial red flag before it costs you? Here’s what we discuss in today’s show:

Retirement can be one of life’s most rewarding chapters, but it can also unravel quickly without the right mindset and preparation. Mark highlights several common ways people unintentionally make retirement harder than it needs to be. He explains why a successful retirement requires more than simply leaving work behind. Are your current assumptions setting you up for freedom, or frustration? Here’s what we discuss in today’s show:

Financial planning should never leave one spouse in the dark. In this episode, Mark explains why both partners need to understand the plan, know who to call, and feel comfortable asking questions. He also shares why pressure-driven sales tactics can create serious financial problems later. Is your household prepared for the day one spouse must manage everything alone? Here’s what we discuss in today’s show:

Risk management is not about avoiding every financial risk. It is about understanding which risks are worth taking, which ones could threaten your goals, and how that balance should change as you move through different stages of life. In this episode, Mark explores how retirement decisions evolve from your 30s and 40s through the transition into retirement. He also considers why a financial plan should connect today’s decisions with the income and flexibility you may need later. Here’s what we discuss in today’s show:

Misconceptions about retirement can have a major impact on your financial future. In this episode, Mark tackles some of the most common retirement myths, including the belief that reaching a certain savings number guarantees retirement. You’ll also learn why having a realistic and personalized income strategy is the key to retiring with confidence. Here’s what we discuss in today’s show: ❌ Retirement Myths: Common assumptions that aren't true

Finding the right financial advisor isn't just about investment returns; it's about finding someone who understands your goals, communicates clearly, and earns your trust. Mark explains why great financial planning starts with listening instead of selling. Learn what questions every investor should ask before choosing an advisor. If you're wondering whether your current advisor is truly working in your best interest, today’s episode gives you a framework to test it. Here’s what we discuss in today’s show:

Life rarely follows a straight line. New jobs, layoffs, inheritances, health challenges, and the loss of a spouse can dramatically change your financial picture, often when you're least prepared for it. Mark discusses several major life transitions that should prompt a financial review and explains the key decisions that often arise during these moments.  Having a process in place can help you avoid costly mistakes when life changes unexpectedly. Here’s what we discuss in today’s show:

Every investor hopes they'll stay calm during a market downturn. History suggests otherwise. Today, Mark explores some of the most significant "Black Swan" events in modern financial history and explains what investors can learn from each event. While no one can predict when the next Black Swan event will arrive, having a thoughtful financial plan can help you navigate uncertainty with confidence and avoid costly mistakes when fear takes over. Here’s what we discuss in today’s show:

It’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:

Everyone 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

We 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:

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