Q&A: ChatGPT Built Her $1.2M Portfolio … But Should You Trust It?

Afford Anything

Paula Pant | Cumulus Podcast Network

Investing, Business, Entrepreneurship

4.6 • 3.4K Ratings

🗓️ 9 September 2025

⏱️ 59 minutes

🔗️ Recording | iTunes | RSS

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Summary

#641: Cristina has a $1.2 million portfolio and hopes to make work optional within the next decade. Is she invested in the right way? Or should she change up her asset allocation? Anonymous and her husband plan to retire in 5 years. They have 10 rental properties and a $2.75 million portfolio. They dream of slow travel, generosity, and family time. How should they structure their assets to support the lifestyle they want? Paula (the caller) and her husband are planning for three kids, private school, and possibly college down the road. Should they front-load a 529 plan with a large lump sum, or take a different approach? Former financial planner Joe Saul-Sehy and I tackle these three questions in today’s episode. Enjoy! P.S. Got a question? Leave it here. Resources mentioned in the show: Interview with Frank Vasquez Risk Parity Cheat Sheet Caller Christina's original call on https://affordanything.com/episode463 Afford Anything Episode 618 https://affordanything.com/episode618 Risk Parity Portfolio Blueprint https://affordanything.com/riskparity Joe's episode SB 1698 https://www.stackingbenjamins.com/create-your-retirement-spending-plan-1698/ Run The Line half marathon with Joe: https://runsignup.com/Race/TX/Texarkana/RuntheLineHalfMarathonTXAR SavingForCollege.com Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (01:42) Christina (16:42) Anonymous (33:40) Paula the Caller Learn more about your ad choices. Visit podcastchoices.com/adchoices

Transcript

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0:00.0	Joe, do you ever think that AI is going to overtake the world of financial planning?
0:04.4	No. But I do think every field, I think it'll have a more and more prominent place.
0:12.5	Well, one of the questions, in fact, the first question that we're going to ask today is, how does Joe Sal Sihae compare to a robot? Oh, no. Oh, no. Not the Jetson's robot, but the GPT.
0:26.2	Oh, boy. We're going to talk about that. We're going to answer a question from a listener who
0:29.9	wants to know if she and her family should rebalance their portfolio now or if they should wait until
0:35.9	later. They're planning on retiring in about
0:37.5	five years. And we are also going to answer a question from a caller who is wondering how much
0:43.2	they should contribute to 529 plans for their kids, private school educations and college
0:48.0	educations. So we're covering a lot of great financial planning ground today.
0:52.8	It feels like Investment Day on the podcast.
0:56.3	Yeah.
0:57.5	529, retirement planning and Joe versus Robot.
1:01.9	It is Investment Day.
1:03.5	Welcome to the Afford Anything podcast, the show that knows you can afford anything but not everything.
1:08.3	This show covers five pillars, financial psychology, increasing your
1:11.6	income, investing, real estate and entrepreneurship. It's double-eye fire. And so today we're
1:16.1	covering that second letter I investing. Every other episode, I answer your questions and I do so
1:21.7	with my buddy, the former financial planner Joe Sal C-high. How you doing, Joe? I was doing great,
1:26.8	Paul, until I have to prove my worth by seeing if I can beat a robot.
1:32.7	Oh, well. That's tough.
1:34.7	I mean, to be fair, it's a very smart robot.
1:39.2	And a good-looking robot.
	...

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