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

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

Appearances

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Prof G Markets · Why Americans Earning $500K a Year Still Feel Broke · 6 May 2026 podcast

And then you get there and you go, no way, that's not, no, I need more.

It's got to be more.

That is a problem that I never expected to happen, that you have to force people with money to spend it.

One of our advisors when I first joined the firm 10 years ago said, we have to have conversations with our clients and give them permission to spend their money and enjoy it.

Take that vacation.

Give that money to your child so they can be better off.

And you have to tell them you're going to be okay if you spend this money because people develop habits over 30 or 40 years and it's save, save, save.

Get the nest egg bigger and bigger and bigger.

And when it's time to turn it off and they have no more income left and to spend it down and they see the portfolio value go down in money, like they see their principal eroding, they can't handle it.

So that's actually a huge problem, which, I mean, you know, first world problems, obviously.

But there are a lot of baby boomers out there right now like that who can't force themselves to spend the money and they need permission now.

to do it because they think, what if I outlive the money?

What if something really bad happens and there's a market crash or whatever it is and they need permission?

And that's the hard part is you spend all your life saving and saving and saving.

What's the point of delaying the gratification if you're not going to be gratified at some point?

Well, the pandemic is the biggest one, obviously.

If you look at, they do these annual happiness readings, and from 1970 to 2020, it was up and down a little bit, but essentially the same.

And then it falls off a cliff in the pandemic, and it has never come back.

So I actually think...

this is gonna sound weird to say, it's a sign of progress because we didn't go through world wars and depressions and such and these things that people in the past were more used to dealing with.

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