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This podcast is available on 8 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.

Your Bread and Butter

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by Private Financial Design, LLC

61 episodes

Updated Weekly

Accepts GuestsHas SponsorsLocation 🇺🇸

Podcast Authority

Beta

PoorBased on show quality, social media presence, reviews, charts, and more

Quality47

Social0

YouTube0

Engagement0

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Podcast Overview

Your Bread & Butter™ with Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® delivers practical, easy-to-understand guidance on investing, retirement, taxes, and everyday money decisions. We break down markets, financial planning strategies, and timely topics so you can feel more confident in your financial life. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.

Language

🇺🇲

Publishing Since

3/12/2024

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🇺🇸 Charts #3

Outreach generated

Apple 142

Spotify 827

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Podcast Authority

Beta

PoorBased on show quality, social media presence, reviews, charts, and more

Quality47

Social0

YouTube0

Engagement0

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Excellent Areas

Good Performance

Growth Opportunities

excellent

Episode Length

30 minutes

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good

Show Experience

33 episodes over 1.4 years

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needs improvement

Publishing Consistency

Every 15 days

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Recent Episodes

June 23, 2026

Ep. 63 - Hidden Leaks in Your Financial Life

Ever looked at your bank account and thought, "I should have way more money than this"? You're not overspending recklessly — you have a leak. In this episode, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down the quiet, invisible ways money slips out of your life every month — and how to plug those leaks for good.Nearly 67% of Americans live paycheck to paycheck, even six-figure earners. The average person underestimates their recurring spending by more than 2.5x. This episode shows you exactly where that gap comes from.What we cover:💸 The "It's Only a Few Dollars" trap — coffee runs, delivery apps, rideshares, and the convenience tax that adds up🏦 Banking & cash-flow leaks — overdraft fees, ATM fees, and timing mistakes that quietly drain hundreds a year📱 Subscription creep — why people think they spend ~$90/month on subscriptions but actually spend closer to $219💳 Debt & interest leaks — how "just this month" balances compound into tens of thousands over time🏋️ Unused & misaligned spending — gym memberships, forgotten apps, and paying for a life you're not living🛠️ Practical fixes — subscription audits, a one-hour "financial leak sweep," and system-level changes like pay-yourself-first automationYou don't need a tighter budget. You need better awareness and better systems.Your challenge this week: Ask yourself — "What am I paying for that isn't improving my life?" Find it. Fix it. Let compounding start working for you again. 🎧 Listen to Your Bread & Butter™ wherever you get your podcasts, and learn more at <a href="http://www.privatefinancialdesign.com">www.privatefinancialdesign.com</a>

May 28, 2026

Ep. 62 - Understanding Investment Roles & Responsibilities

Who’s really responsible for managing, protecting, and overseeing your investments? In this episode of the Your Bread & Butter Podcast™, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down the key roles involved in your financial life — from Financial Advisors and Broker-Dealers to Custodians and, most importantly, you as the investor.We discuss:• What a Financial Advisor actually does• The role of a Broker-Dealer and compliance oversight• How Custodians safeguard your assets and maintain records• The difference between Broker-Dealers and RIAs• Investor protections, regulations, and checks & balances• Why understanding these relationships can help you make better financial decisionsWhether you’re new to investing or simply want a clearer picture of how your accounts are managed behind the scenes, this episode provides a practical overview of the investment ecosystem and the responsibilities of each party involved.

May 19, 2026

Ep. 61 - War is Chaotic - Your Portfolio Shouldn't Be

What happens to your portfolio when the world feels chaotic?In this episode of the Your Bread & Butter Podcast™, Andrew and Ryan tackle one of investors’ biggest emotional triggers: war and geopolitical uncertainty. When headlines are filled with conflict, volatility, and fear, it can feel like drastic portfolio changes are the only answer. History tells a different story.We break down how markets have historically reacted during times of war, why uncertainty often creates more fear than actual long-term damage, and what disciplined investors should focus on instead of reacting emotionally.In this episode, we cover: • Why wars feel uniquely dangerous to investors• Historical market performance during major conflicts• The difference between short-term shocks and long-term outcomes• The two biggest mistakes investors make during uncertainty• Why rebalancing may be your most underrated tool• How liquidity and diversification create peace of mind• Why strategy beats prediction every timeThe key takeaway: War is chaotic — your portfolio shouldn’t be.Successful investing isn’t about reacting to headlines. It’s about staying disciplined, grounded in history, and focused on your long-term goals.If you’ve ever wondered whether market fear should change your investment strategy, this episode is for you.🎙️ Listen now and subscribe to Your Bread & Butter Podcast™ wherever you get your podcasts.🌐 Learn more at <a href="https://www.privatefinancialdesign.com?utm_source=chatgpt.com" target="_blank" rel="noopener">Private Financial Design</a>

61 total episodes available

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What is Your Bread and Butter?: Your Bread & Butter™ with Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® delivers practical, easy-to-understand guidance on investing, retirement, taxes, and everyday money decisions. We break down markets, financial planning strategies, and timely topics so you can feel more confident in your financial life.

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.
How often does this podcast release new episodes?: This podcast updates weekly.
Where can I listen to this podcast?: This podcast is available on 8 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
Does this podcast accept guests?: Information about guest appearances is not available.

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