Saving With Silverman

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:
📉 Timing Mistakes: Fear leads people to sell at the worst times
⚖️ Right Balance: Emotions aren’t bad, unchecked emotions are
📊 Stay Invested: Missing key days can damage long-term returns
🛠️ Guided Planning: Structure helps reduce emotional decisions
🤝 Fiduciary Role: Why having the right advisor keeps you grounded
 
Want to get in touch with Mark? 
Web: https://silverman-associates.com/home
Email: mark@silverman-associates.com
Phone: 520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home
It’s easy to think retirement mistakes come from bad investments, but more often, they come from behavior. Overconfidence, comparison, emotional reactions, and chasing returns can quietly derail even a solid financial plan. The challenge isn’t just knowing what to do; it’s avoiding the habits that pull you off track. Today, Mark walks through the “Seven Deadly Sins” of financial planning and how each one shows up in real life.
Here’s what we discuss in today’s show:
🦚 Pride Trap: Overconfidence keeps people from asking for help
👀 Comparison Game: Why chasing others leads to bad decisions
😡 Emotional Moves: How anger can derail your plan
💰 Greed Factor: Taking too much risk at the wrong time
🐢 Sloth Risk: Procrastination and neglect can cost you
🎯 Realistic Goals: Balancing today’s lifestyle with tomorrow’s needs
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home
Choosing a financial advisor isn’t just about credentials or performance, it’s about trust, communication, and fit. In this episode, Mark sheds light on what really matters when deciding who to work with and why early impressions can be just as important as technical knowledge. Not every advisor is right for every person, and that’s okay. The goal is clarity, confidence, and a relationship built to last.
Here’s what we discuss in today’s show:
🤝 Trust & Gut Instincts: Why first impressions still matter
🧰 Advisor Skill Sets: Matching expertise to your situation
👂 Listening & Customization: Why good advice starts with understanding
🚨 Problem Identification: Catching issues before they become costly
🧭 Mark’s Approach: Advice rooted in experience, not products
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home
Bold financial opinions are everywhere, and they’re often delivered with total confidence. Mark takes a more discerning look at popular money advice, and why it can sound smart while missing important context. The problem isn’t that these takes are always wrong, it’s that they’re often applied without considering real people, real timelines, and real tradeoffs. Big financial decisions deserve more than headlines and absolutes.
Here’s what we discuss in today’s show:
🎙️ Financial Advice Culture: Why strong opinions travel fast
🔍 So-Called Experts: Separating insight from influence
💬 High-Profile Opinions: When popular advice oversimplifies reality
🏠 Lifestyle vs. Strategy: Why personal context changes everything
🧭 A Practical Approach: Advice built around the individual, not the trend
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home
In this mailbag episode, Mark responds to listener concerns that highlight the uncertainty many people feel as retirement gets closer. These are the kinds of moments where hesitation, assumptions, or bad timing can have lasting consequences. Before making a move, it’s worth slowing down, because big decisions deserve more than guesswork.
Here’s what we discuss in today’s show:
💸 Social Security & Taxes: Why benefits can be taxable
🧾 401(k) Plan Changes: What happens after a merger or transition
⏳ Timing Social Security: Weighing early vs delayed decisions
😟 Social Security Anxiety: Fears about the system’s future
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832
520.618.5323

Want to get in touch with Mark? 👉 https://silverman-associates.com/home
Most people focus on saving more but overlook how much power they already have. Mark walks through the major financial assets many people take for granted and explains why ignoring them can quietly limit retirement confidence.
Tune in to make sure your biggest resources are working together for you, not against you.
Here’s what we discuss in today’s show:
🏠 Home Equity: Understanding its role in retirement decisions
💼 Workplace Savings: Why old allocations can become liabilities
🧩 Social Security Value: Treating it like the asset it is
🗂️ Consolidation: Simplifying accounts for clarity and control
📈 Future Potential: Using earning years wisely before retirement
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home
Clutter isn’t just a problem in your garage, it creeps into your finances, too. In this episode, Mark talks through the habits, products, and decisions that weigh down your money without adding real value. Discover how to clean up your finances and invest confidently for the future. If your finances feel messy or inefficient, this is a smart place to start cleaning up.
Here’s what we discuss in today’s show:
🧾 Debt Reality: Knowing what actually adds value
🎢 Risk Awareness: Understanding what you’re really exposed to
💸 Hidden Costs: Fees that quietly erode your progress
💤 Lazy Money: Cash that’s falling behind inflation
🤝 Trust Matters: Avoiding costly mistakes and bad incentives
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home
What does The Wizard of Oz have to teach us about smart financial planning? More than you might think! In this episode, Mark uses the timeless lessons of Dorothy and the Yellow Brick Road to explain why a clear financial plan matters- and why “winging it” rarely works. Just like the journey to the Emerald City, retirement planning requires direction, flexibility, and the ability to adjust when obstacles pop up along the way.
Here’s what we discuss in today’s show:
🟡 Why every retirement plan needs a clear “Yellow Brick Road”
🧩 Financial planning is more than investing
🏡 The emotional vs. financial side of paying off your mortgage
🧠 Improving financial literacy and avoiding bad advice
🧙‍♂️ The importance of getting advice from qualified sources
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home
The doctor is in! Most people worry about small financial details while ignoring the big issues that can quietly derail retirement. In this episode, Mark introduces a series of “financial diseases” that show up when planning gaps go unchecked. You’ll hear how easy it is to miss these problems until they become expensive. The good news: once you can diagnose them, you can actually treat them.
Here’s what we discuss in today’s show:
🧭 Risk Awareness: understanding time horizon and volatility
⚠️ Risk Apathy: ignoring portfolio risk until stress hits
⏳ Longevity Risk: inflation and living longer than expected
🏥 Care Costs: long-term care expenses catching families off guard
💸 Tax Exposure: Uncle Sam taking more than expected
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home
Step into a fairytale-inspired take on financial planning as Mark matches real-life money habits to the colorful personalities of the seven dwarfs. Gain fresh perspective and actionable wisdom for your own financial story, all while having a little fun along the way. Ready to discover which financial dwarf you might be? You might be surprised which one you relate to most.
Here’s what we discuss in today’s show:
🧙 Seven Dwarfs & Money Habits: how timeless personalities show up in financial planning
😐 Managing “Grumpy” Clients: expectations, mindset, and choosing the right fit
🥱 Sleepy Investors: how disengagement affects long-term outcomes
🤒 Health Concerns & Planning: why “Sneezy” needs a different retirement timeline
🧠 Working With “Doc”: why intelligence doesn’t always equal good money decisions
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832