Ben Carlson

speaker
1,555 appearances 4 recordings 4 series first heard Apr 2026 last heard 11 Jun

Ben Carlson’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months
2 · Jun OctJan 26AprJulnow

Recordings per month over the last 12 months — 4 in all, peaking in Jun 2026 with 2.

Appearances

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But you also have to grow, because a 3% inflation rate could cut your money in half in 20 years.
Right.
So if you just sit on your money and don't do anything with it, you still have to grow and your standard of living like could decrease if you don't grow that money.
So you have to kind of balance out the need for like safe assets with the need to grow your assets as well in retirement.
Yeah, I mean, a lot of it depends on your resources, I guess.
But yeah, I've seen some variations of that where you kind of, I don't know, add a 10 here, add 20 there, or something like that.
But yeah, I still think that people need to grow their money.
And for some people, it could be like, listen, the money's not even for you, it's for the next generation, and thinking through that way.
So yeah, I think if you get too conservative, it can kind of come back to bite you.
Obviously, if you're too aggressive, too, you know, the sequence of return risk is a big thing.
So that's why there's balance involved.
can they prepare for that because it has to come at some point they're not going to go through their whole lives without feeling it so what what is the preparation for that kind of uh turmoil i suppose yeah the thing is a lot of it depends on where you are in your what stage of life you're in right like risk means different things to different people at different stages of their life cycle like a a long drawn-out bear market is way more painful for a retiree who has a mature portfolio and all their assets are in our financial assets right but a young person
human capital is the biggest asset.
It's your future earnings and your future savings.
You shouldn't be scared of those bear markets.
They should be looked at as an opportunity.
A lot of it is how you frame it.
Are you still putting money into your retirement accounts?
Are you still putting money into your brokerage account?
Are you still buying stocks?
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