Good Returns.

What this week's tech selloff means for your portfolio, and how to know when it's time to get more careful. The S&P 500 fell nearly 5% this week through Thursday's close, and it's still up more than 7% for the year. Recorded as the market opened Friday morning, Matt and Garrett walk through what hit AI and chip stocks, what the midterm elections mean for markets, why oil dropped on hopes of a deal, and why the economy underneath looks sturdier than the headlines. In the Planning Room, a listener asks: should I be doing anything, and how would I know when it's time to get more defensive? 🔔 Subscribe for jargon-free deep dives into your wealth. 💬 Have a question for the Planning Room? Drop it in the comments. This video is for educational purposes only and is not individual financial, tax, or legal advice. Momentum Wealth is a registered investment advisor./

Five years out is the most important planning window most people underuse — and this week a listener asked exactly the right question about it. In this week's Good Returns, Matt and Garrett answer a listener question on what to have figured out five years before retirement: building your income map, timing Social Security strategically, planning the healthcare gap, understanding sequence of returns risk, and the Roth conversion window most people miss entirely. They also cover the AI debt stress test that played out in markets this week, why inflation is showing more breadth than the energy story alone explains, and what the continuing market rotation is saying about where things stand. 🔔 Subscribe for jargon-free deep dives into your wealth. 💬 Have a question for the Planning Room? Drop it in the comments. This video is for educational purposes only and is not individual financial, tax, or legal advice. Momentum Wealth is a registered investment advisor./

For the first time in 15 years, your emergency fund can earn 4-5% with zero risk — and most people's isn't. Consumers are spending more than they're earning and drawing down savings. The labor market is softening. And most people's emergency funds are sitting in big bank accounts earning almost nothing when they could be earning real money in high-yield savings, money markets, or T-bills. Matt and Garrett cover how much you actually need, where it should live, and the one financial move that takes ten minutes and immediately pays off. 🔔 Subscribe for jargon-free deep dives into your wealth. 💬 Question: When did you last check what your savings account is paying? Let's talk below. This video is for educational purposes only and is not individual financial, tax, or legal advice. Momentum Wealth is a registered investment advisor./

If your 401k doesn't look like the market headlines, there's a reason — and it's not a problem with your account. The S&P 500 is down about 2% from its August high. The equal-weight version of the same index is down about 6%. Same 500 companies, three times worse performance. Rising long-term yields are pressuring almost everything except a narrow group of AI-related tech stocks — and most 401ks are built for the long run, not concentrated in this week's winners. Matt and Garrett explain what's happening, why it's not a reason to panic, and what's actually worth reviewing in your retirement account right now. 🔔 Subscribe for jargon-free deep dives into your wealth. 💬 Question: Has your 401k felt disconnected from the market headlines lately? Tell us what you're seeing. Let's talk below. This video is for educational purposes only and is not individual financial, tax, or legal advice. Momentum Wealth is a registered investment advisor./

What Meta's new AI agent means for your portfolio, the industries being disrupted, and what the world's largest asset manager thinks the AI economy looks like next. Meta launched an AI agent this week that surpassed ChatGPT as the top free app in the U.S. Tech stocks rallied. Travel, insurance, and financial services stocks fell. The market is sorting through who benefits from AI and who gets disrupted — in real time. Matt and Garrett break down what actually happened and what it means. In the Planning Room: BlackRock's big picture thesis on AI, tokenization, and why the investment opportunity may be bigger and longer than most investors realize. 🔔 Subscribe for jargon-free deep dives into your wealth. 💬 Question: Are you thinking differently about AI's impact on your portfolio after this week? Let's talk below. This video is for educational purposes only and is not individual financial, tax, or legal advice. Momentum Wealth is a registered investment advisor./

The Fed raised rates for the first time since 2023 this week. The market finished higher. Long-term Treasury yields actually fell. And your savings account is now earning more. Not the week anyone predicted. In this week's Good Returns, Matt and Garrett explain why the market reacted the way it did, make the case that this rate hike may be fighting a problem that interest rates can't solve, and — in the Planning Room — what higher rates mean for your savings account and what to do if you have an adjustable rate mortgage in a higher-for-longer environment. 🔔 Subscribe for jargon-free deep dives into your wealth. 💬 Question: Do you have an adjustable rate mortgage — and has the rate environment changed your plans? Let's talk below. This video is for educational purposes only and is not individual financial, tax, or legal advice. Momentum Wealth is a registered investment advisor.