AI Hype, the 4% Withdrawal Rule, and Real-Life Retirement Questions

Allworth Financial‘s Money Matters

Allworth Financial

Investing, Business:investing, Business

4.9 • 782 Ratings

🗓️ 27 September 2025

⏱️ 47 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Is the AI boom driving markets too far, too fast? On this week’s Money Matters, Scott and Pat debate whether stock prices can keep up with earnings—or if investors should brace for a correction. Then, they tackle the 4% retirement withdrawal rule, explaining its history, its flaws, and how real retirees actually spend. Listener calls bring the conversation to life, with questions on 401(k) rollovers, 403(b) vs. 457 plans, and the latest Social Security changes. Finally, Scott and Pat share candid insights on why so many savers struggle to spend in retirement—and how to strike a healthy balance. Whether you’re curious about AI hype, the realities of the retirement withdrawal rule, or just want straight answers to financial questions, this episode has you covered. Join Money Matters: Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here. You can also be on the air by emailing Scott and Pat at [email protected]. Download and rate our podcast here.

Transcript

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0:00.0	Would you like an opinion on a financial matter you're dealing with?
0:07.0	Whether it's about retirement, investments, taxes, or 401ks, Scott Hanson and Pat McLean would like to help you by answering your call.
0:15.2	To join Allworth's Money Matters, call now at 83399 Worth.
0:19.9	That's 83399 W-O-R-T-H. Welcome to All Worth's Money Matters, Scott Hanson.
0:27.1	Pat McLean. Glad you are with us today as we're talking about financial matters. Myself and my co-host here, both long-term financial advisors.
0:35.4	And glad to be with you on this program.
0:37.8	Yes.
0:38.3	That we've been doing for a long time as well.
0:40.0	30 years.
0:40.8	Yes.
0:41.7	Long time.
0:43.1	Well, Scott, what do you think?
0:45.7	These markets.
0:46.2	The market melt-up?
0:47.3	It feels like a melt-up.
0:49.7	It's...
0:51.3	By the way, we're recording this on Tuesday, the 23rd.
0:55.1	I don't know what day is.
0:56.7	Whatever.
0:57.3	Something like that.
0:59.5	The 23rd, yeah.
1:00.3	23rd, look at me.
	...

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