The Financial Harmony™ Podcast
The Financial Harmony™ Podcast with Dr. Preston Cherry blends real financial strategy, retirement planning, and money psychology for people who want clarity without chaos. Hosted by Dr. Cherry, CFP®, Ph.D., and financial therapist, the show delivers grounded insights on investing, taxes, and aligning money with life.
Each week, Dr. Cherry shares clear, grounded insights on retirement planning, investing, tax strategy, and decision-making, alongside honest conversations about money behavior, identity, and well-being.
This show helps you reduce financial stress, make confident decisions, and align your money with the life you want to live. You’ll learn how to invest smarter, spend without guilt, and build wealth that reflects your values, not just your numbers.
No finance-bro energy.
No rage-based hot takes.
No performative advice.
Just calm authority, psychological insight, and real financial guidance for navigating markets, transitions, and life with intention.
Get 1:1 all-inclusive flat-fee financial planning, or go deeper through the Financial Harmony™ Membership for group-based fiduciary guidance, education, workshops, and community.
Live your wealth, your way.
Episodes
104 episodes
5 Money Beliefs Making You Feel Broke (Remove These Beliefs ASAP)
🚨$250k+ household income and $500k+ assets...? You’re ready for a personalized plan! Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/Want confidence that your retirement plan ACTUALLY works? Get it inside my Fina...
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12:39
Over 50? Watch This — You’ll Catch Up on Your Retirement
🚨$250k+ household income and $500k+ assets...? You’re ready for a personalized plan! Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/Want confidence that your retirement plan ACTUALLY works? Get it inside my Fina...
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8:08
Where Most Retirement Plans Secretly FAIL (And You Won’t See It Coming)
🚨 Gen X, older millennials & pre/early retirees, with $250k+ household income and $500k+ assets... Are you ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/Want confidence that y...
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10:29
This Secret Retirement Cost Could DELAY Your Retirement By 3+ Years
Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/Take the Gen X Retirement Readiness Quiz 🚨 https://concurrentfp.typeform.com/genx-scorecard-Healthcare is the sleeper cos...
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7:10
Stop! Don’t Convert to Roth Until You Watch This (or you’ll overpay)
Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/-Roth conversions can be a tax win - or an expensive mistake.In this episode, Dr. Preston Cherry (Financial Planning Ph.D...
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11:34
My Honest Thoughts To Anyone Working Past 59... RETIRE ASAP
Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/-Most retirement plans obsess over how long you’ll live (lifespan) and miss the years you’ll live well (healthspan).In th...
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5:54
57% of Retirees Regret Not Doing These 5 Things Earlier
Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/- 57% of Gen Xers regret not starting retirement savings earlier - but that’s not the only miss.In this episode, Dr....
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4:14
Why Smart Retirees Claim Social Security at 62 (Not 70)
Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/-Is “wait until 70” always best? Not for every Gen Xer. In this episode, Dr. Preston Cherry (Financial Planning Ph.D., CFP®, Top ...
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7:49
Can You REALLY Retire at 50 vs 60 With $1.5M? | CFP Case Study
Want a clear answer on retiring at 50 vs 60 with $1.5M? Book a free retirement readiness call 👉 https://www.concurrentfp.com/-Is $1.5M enough? In this data-driven case study, Dr. Preston C...
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5:01
Most People Miss This Before Retiring
In this conversation, Dr. Preston Cherry breaks down a side of retirement most people overlook: the emotional shift. It’s not just about saving enough—it’s about preparing for a whole new identity and way of living. He shares a framework that h...
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5:00
Top 5 Gen X Money Regrets (And How to Fix Them)
Gen X’s Biggest Money Regrets—And How to Fix ThemDr. Preston Cherry opens up about the top financial regrets Gen X faces—from late retirement saving to piling on debt. The good news? It’s not too late to turn things around.In th...
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5:08
What a TOD Deed Can Do for Your Estate Plan
Inheriting a Home Shouldn’t Be This Hard…In this episode, Dr. Preston Cherry breaks down why so many families run into legal trouble when passing down their home—and how a Transfer on Death Deed (TODD) can make things much easier.
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5:08
Does Crypto Belong in Your Investing Portfolio?
In this episode, Dr. Cherry offers thoughtful guidance on navigating the recent rise in Bitcoin’s price. While market excitement is understandable, he reminds us that disciplined investing is not about reacting to headlines—it’s about following...
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7:25
The Big Beautiful Bill Could Save Business Owners 6 Figures in Taxes
In this episode, Dr. Preston Cherry explains how to take advantage of the new rules that could save you 20% on qualified income every year and unlock up to $10 million in tax-free gains when you sell or exit your business. From avoiding costly ...
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6:48
Big Fees: Are You Overpaying for Amex Platinum or Chase Sapphire?
Are Premium Credit Cards Still Worth It?In this episode, Dr. Preston Cherry breaks down the truth behind those flashy, high-fee credit cards like the Amex Platinum and Chase Sapphire Reserve. Are the perks really that valuable—or are yo...
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8:37
Are Social Security Benefits Taxable? Gen X Are Shocked About the Tax Traps
Dr. Preston Cherry explains why many Gen Xers are caught off guard when they find out—yes, your Social Security can be taxed. Up to 85% of your benefits could be taxable if your income crosses certain thresholds—thresholds that haven’t kept up ...
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6:57
Should Gen X Take Social Security at 62? Smart or Risky?
Should You Claim Social Security at 62?Dr. Preston Cherry challenges the idea that you have to wait until 70 to claim Social Security. For Gen Xers juggling aging parents and kids, claiming at 62 could offer more than just a check—it co...
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8:53
Why High Earners Still Feel Stuck Financially
In this episode, Dr. Preston Cherry breaks down why many high-income Gen Xers still feel stuck financially. Even with good paychecks, lifestyle creep and unclear goals can cause stress. Dr. Cherry explains how aligning your money with your valu...
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6:22
NUA Tax Strategy: The Secret to Saving BIG on Company Stock
In this episode, Dr. Preston Cherry breaks down how Gen X professionals can use a smart tax strategy called Net Unrealized Appreciation (NUA) to turn company stock in their 401(k)s into tax-efficient income. He explains how the right moves can ...
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7:04
Inherited IRAs Explained: What Heirs Need to Know to Avoid Costly Mistakes
In this episode, Dr. Preston Cherry breaks down the often confusing world of inherited IRAs. He explains how taxes, rules, and recent law changes (like the SECURE Act) can impact your inheritance. Whether you're a spouse or a non-spouse heir, k...
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4:54
Healthspan vs Lifespan: Why Gen X Must Rethink Retirement
In this episode, Dr. Preston Cherry talks about why Gen X should focus on health span—how well you live—not just lifespan—how long you live. He explains that many people over-save for retirement and miss out on living fully now. Instead of trea...
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6:38
Why More Money Needs Smarter Planning (And How It Builds Wealth Faster)
In this episode, Dr. Preston Cherry sheds light on why even high-income earners need solid financial education. Earning more doesn’t mean knowing more about money. He explains how true financial literacy helps people make smarter decisions, avo...
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12:50
Sell in May and Go Away: Smart Move or Tired Myth?
In this episode, Dr. Preston Cherry breaks down this old investing rule and why it might not work anymore. Originally tied to London’s horse racing season, the idea was to cash out in May and return in November. But in today’s fast-paced, data-...
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8:14
HSA Secrets: How to Retire Wealthier & Pay Less in Taxes
In this episode, Dr. Preston Cherry breaks down why Health Savings Accounts (HSAs) are a powerful tool—not just for today’s medical bills but for building your retirement nest egg. With big tax perks and long-term flexibility, HSAs can do more ...
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13:49
Choosing the Right Retirement Account: Roth 401(k), Roth IRA, After-Tax 401(k)
In this episode, Dr. Preston Cherry breaks down key retirement accounts like 401(k)s, Roth IRAs, and traditional IRAs. He explains where to save, invest, and withdraw money for retirement — and why taxes matter. The talk covers contribution lim...
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19:11