Talking Money, Clearly
Talking Money, Clearly with Wes Cuprill is your straightforward guide to making smarter financial decisions.
Each week, Wes breaks down investing basics, financial planning, and money management with a no-nonsense approach that cuts through Wall Street hype. From budgeting, saving, and paying off debt to building wealth, retirement planning, and navigating today’s financial noise, this show delivers clear advice for millennials, middle-aged adults, and families who want to take control of their future.
With segments like Wealth Wise Women and expert insights on global diversification, financial literacy, and long-term investing, Wes brings both education and coaching to help you stay committed to your plan and avoid costly mistakes. If you’re ready for practical financial strategies, real-world clarity, and a coach who tells it like it is, this podcast is for you.
Talking Money, Clearly
Why Your 401(k) Needs a Self Directed Brokerage Account
Retirement as we know it is actually a very new idea. From the early days of Social Security to company pensions and now the 401k, the system has changed a lot - but not always for the better. In this episode, I explain why the modern 401k isn’t living up to its potential, what limitations most employees face, and how a self-directed brokerage account (SDBA) can open up better investment options. You’ll learn the history of retirement plans, why preset funds may not be serving you, and how using an SDBA can help you take more control of your future.
👉 Subscribe for clear, practical advice on investing, retirement, tax planning, and building lasting wealth.
Chapters🕓
00:00 - Retirement is a New Concept
00:25 - Social Security and the Birth of Retirement (1930s)
00:59 - Pensions, Manufacturing, and the Shift to 401(k)s
03:48 - Why Today’s 401(k) Options Are Limited
05:25 - Negativity, Optimism, and the Stock Market Reality
07:28 - Self-Directed Brokerage Accounts (SDBAs) Explained
07:53 - Why Younger Investors Should Care About SDBAs
10:35 - Working With an Advisor and Final Thoughts
