# Paul Merriman

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Q&A: I Reached Financial Independence Three Years Early … Now What?

#742: A listener hit her $1.4 million early-retirement goal three years ahead of schedule — and now she's stuck deciding whether paying off a low-interest mortgage is smart, or just fear in disguise. Later, a former financial planner explains why he still won't recommend one of the most talked-abou…

Q&A: She's Broke. He's Rich. And You're Asking About AI Stocks.

#661: When your income drops, debt spikes, and a rental property starts bleeding cash, it can feel like your entire financial foundation is cracking beneath you. Veronica, our first caller, is navigating all of it at once, from a near-foreclosure to a luxury car payment that’s strangling her budget…

Q&A: My Friend Won’t Invest - How Can I Help?

#645: Mike (02:50): After 15 years of intentional living, Mike is 80 percent of the way to financial independence. Now he’s trying to help friends take control of their own financial future. But what happens when one spouse is eager to learn and invest, while the other isn’t interested? Michael …

JL Collins Part 1: The Simple Path vs. The "Optimal" Path

#624: JL Collins, author of "The Simple Path to Wealth" — the guy synonymous with VTSAX and chill — joins us for Part 1 of a two-part series where we skip the basics and dive straight into the complex stuff. We ask him whether his simple approach actually beats more sophisticated strategies, and …

Small Cap Showdown! Paul Merriman vs. Dr. Karsten Jeske Battle … with Millions Hanging in the Balance

#590: In the left corner, we have Paul Merriman, the seasoned finance veteran weighing in at 183 pounds. In the right corner, Dr. Karsten Jeske, the scrappy newcomer at 208 pounds. The bell rings, and the small cap value debate begins. This episode features a financial boxing match between two inv…

Q&A: Why Smart Investors Are Questioning VTSAX and Chill

#568: Jason is confused by the recent discussions about the efficient frontier and Paul Merriman’s four-sector strategy. It seems a lot like another form of stock-picking. What’s the difference? Michelle straddles the Roth income threshold and is frustrated that she never knows if she’ll qualify f…

Q&A: Breaking Up with Total Market Funds After 10 Years

#566: Jackie is sold on Paul Merriman’s “Four Funds” approach, but she’s overwhelmed by the logistics of diversifying her single fund portfolio.. What are the best practices to redistribute her investments, handle taxes, and manage rebalancing? Heidi’s mother recently passed and she’s struggling t…

Q&A: Why Your Retirement Math Isn’t Adding Up

#561: Joanne is confident that her short and long-term financial plans are set, but she’s not certain about the medium-term. What’s the proper way to allocate money for different time horizons? Jessie is intrigued by Paul Merriman’s simple portfolio recommendations but wonders about his lean away f…

Paul Merriman: The 4-Fund Strategy That Beats the S&P 500

#550: Paul Merriman, a former wealth manager turned financial educator, joins us to share investing wisdom that could reshape how you think about your money. We kick things off talking about portfolio diversification. Paul suggests a simple four-fund strategy that includes large cap, small cap, an…

E201: Paul Merriman (Ask Paul)l: The Money Advice Everyone Needs to Hear | Pensions, Mortgages & Savings

Paul Merriman, better known as Ask Paul, is an Irish financial adviser, entrepreneur and CEO of Fairstone Ireland, helping people understand their money and plan for their future.  You’re working hard and paying the bills, but how do you know whether you’re doing the right thing with the money lef…