Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

—

Your investments are there and your retirement accounts are growing, but do you still feel a lingering anxiety about cash flow?

In this episode, Scott and Nick dive into why traditional budgeting feels like a chore and why high earners often struggle with "lumpy" income like bonuses and RSUs. By shifting the conversation away from rigid, restrictive spreadsheets and toward automated cash flow systems, you can actually remove barriers from your daily financial life.

Here’s what we often see: clients can feel that budgeting is about tracking every single penny or cutting your lifestyle to the bone. But it's actually about building an intentional framework, like the "Hub Account" system, that automatically funds your big life goals while freeing you up to spend what's left without apology.

Scott and Nick explain how to run a simple annual expense audit, how to use watermarks to check your consumption, and how to stop letting excess cash sit stagnant and start working for you the way you want.

If you are tired of checking your bank balance and feeling like budgeting is a chore, this episode will help you build a system that ensures you can allocate your funds in ways that give you more freedom, instead of less.

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial

Leave us a question!

Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.

Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

—

Your financial plan might be able to hit a specific retirement number, but can it handle two completely different timelines?

In this episode, Scott and Nick explore a nuanced situation facing many couples: what happens when one spouse is completely ready to step away from work, while the other still finds energy, purpose, and identity in a career? Using real-world client scenarios, you can shift the conversation away from rigid spreadsheets and toward the human side of wealth.

It’s not just about whether an early retirement is numerically possible, it’s about balancing individual dignity, addressing personal money stories, and determining how a couple makes major life decisions when they are looking at the exact same picture but seeing two different things.

Scott and Nick explain how to pressure-test staggered retirement models, how to invest your non-financial assets like your time, energy, and talent. And how to ensure you are retiring to a purpose rather than just escaping into a void.

If you and your partner aren't on the exact same page about when or how to exit the workforce, this episode is for you. It’s about building a strategy that supports two distinct versions of a great life, ensuring both of you feel like you're winning.

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial

Leave us a question!

Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.

Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

—

There’s a specific kind of excitement that takes over the markets when a company promises to change the world. It starts with an article shared between colleagues, moves to a text message to your financial advisor, and ends with a very simple question: "How many shares can I buy?" Because when a company is talking about colonizing Mars, building out next-generation AI, and dominating satellite internet, it feels like an opportunity you can't afford to miss.

In this episode, Scott and Nick peel back the exciting story of the SpaceX IPO to run a foundational financial "smell test" on the numbers. They explain why focusing entirely on a brilliant vision can force retail investors to buy in the wrong order, substituting hype for true valuation.

They walk through the stark reality hidden in the newly opened private books: a business where Starlink is highly profitable, but everything else is aggressively burning cash, leading to a reported $5 billion net loss.

They break down what it actually means when a company tries to go public at an unprecedented 94 times revenue and explain why buying into a company that requires 40% year-over-year growth for a decade just to break even transforms an investment into a very expensive lottery ticket.

If you've been tempted by the buzz of a high-profile market debut, or if you want a reliable framework to cut through the noise of the next major tech listing, this episode is for you. Scott and Nick cover the exact questions you need to ask to separate exceptional companies from exceptional investments.

Hype isn't a problem if you check the math first!

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial

Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial

.

Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

—

A layoff often feels like a sudden explosion, leaving a wake of disorientation and immediate worry about how to sustain your household. While the initial shock can feel paralyzing, the path to regaining control starts by allowing yourself to process the change before diving into the mechanics of your severance package.

In this episode of Real Personal Finance, Scott and Nick walk through a live framework for navigating a sudden job loss, specifically within the evolving tech landscape. They discuss the critical first steps of decoding complex severance agreements and explore how to translate a static balance sheet into a tangible runway of months or years, effectively turning a forced exit into a deliberate summer sabbatical.

If you are currently seeing restructuring at your company or simply want to bulletproof your financial plan while you still have W-2 income, this conversation is essential. It’s a grounded look at how to audit your "war chest" and turn a moment of career friction as a mechanism to find work that actually aligns with your mission.

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial

Leave us a question!

Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.

Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

—

Most people nearing retirement have heard of the famous "4% rule," but few actually understand how to apply it to a shifting financial landscape. It’s easy to look at a static portfolio balance and assume you're set, only to close your eyes to the real-world friction of pre-tax calculations, health insurance gaps, and compounding inflation.

In this episode, Scott and Nick break down the framework for mapping out a realistic 10-year retirement runway. They break down a case study of a client balancing a multi-million-dollar portfolio and walk through the math of safe withdrawal rates without draining your security. They discuss the "smile" of retirement spending, the operational hazard of drawing entirely from pre-tax IRAs, and why setting flexible guardrails is the key to tuning out day-to-day market volatility.

You don’t just want to focus on hitting a random number you read in an article. You want to understand what that number has to support and where the cash flow actually comes from.

If you’ve been wondering how to prepare for shifts in retirement spending over time, you’ll want to tune in! The episode focuses on building a dynamic strategy that lets you live a fulfilled life today, without running into the danger zone tomorrow.

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial

Leave us a question!

Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.

Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

—

Most tech and biotech executives we know have too much of their net worth in one stock. They know they should do something about it, but they usually end up just closing the tab on their stock comp page.

In this episode, Scott and Nick break down the framework for moving from a "home run" mindset to a "nest egg" reality. Using a real-world scenario of a client with over 30% concentration in one company, they walk through the math of de-risking without losing the upside. They discuss the "sequencing" of tax brackets, the psychological barrier of "break-even-itis," and why you should treat your RSUs exactly like a cash bonus.

It’s not just about selling shares; it’s about understanding your "enough number" and separating your vested security from your unvested potential.

If you’ve been watching your company stock climb and wondering if you're taking too much risk, this episode is for you. It’s about building a plan that protects the life you want to live, even if your company hits a 16-year plateau.

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial

Leave us a question!

Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial.

Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

—

There's a tab a lot of tech professionals have open right now. It's from Fidelity or E-Trade, it shows how much company stock they're sitting on, and most of them close it without doing a thing. Because the moment you start thinking about selling, it gets complicated.

In this episode, Scott and Nick break down what to actually do when a big chunk of your net worth is tied to your employer's stock, whether that's RSUs, ISOs, ESPPs, or some combination of all three.

They walk through why concentration happens quietly and compounds fast, especially when you're getting promoted, the stock is climbing, and new grants keep coming in. And they explain why "just diversify" is technically correct advice that leaves out everything that actually matters.

The real conversation is about sequencing. How to unwind a concentrated position across multiple years, in a tax aware way, without triggering a bill you didn't plan for. That means looking at your income year by year, understanding which shares to sell first, knowing how to stop feeding the position, and factoring in the unvested shares that don't show up on your balance sheet yet but still count.

If more than 10 to 20% of your net worth is sitting in a single stock, and especially if you're within five to ten years of retirement, this episode is for you. Scott and Nick close with a clear framework for building a plan before, during, and after, and why the clients who act earlier always walk a little lighter.

Concentration isn't the problem. Concentration without a plan is.

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial

Leave us a question!

Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial.

Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

—

Your plan might be able to handle market volatility, but it might not handle your income disappearing.

In this episode, Scott breaks down the uncomfortable blind spot facing many high earners—what happens if your paycheck stops sooner than expected. Using a real-world scenario of someone with nearly $3M saved and a large amount of unvested RSUs, he walks through the question most people avoid: “If the job goes away in 3–5 years instead of 7-10, are we actually okay?”

It’s actually a timeline problem, not just a market risk problem. Scott explains how to pressure-test an early exit scenario, separate RSU strategy from income dependency, and ask the bigger question most plans ignore: what is your career capital actually worth if your role changes?

If a large portion of your wealth and income is tied to one company, this episode is for you. It’s about understanding the assumptions your plan is making—and making sure they hold up when it matters most.

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial

Leave us a question!

Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.