Market uncertainty has a way of making even disciplined investors second-guess themselves. When volatility rises, headlines grow louder, emotions take over, and decisions that once felt simple suddenly feel overwhelming.

In this episode, Josh breaks down the top investment mistakes people make during uncertain times and why these errors can quietly destroy long-term wealth if left unchecked. Drawing on decades of market history and behavioral finance, we explain why panic selling, waiting for clarity, and chasing headlines are so damaging.

You’ll learn why panic selling often locks in losses at the worst possible time, how waiting on the sidelines causes investors to miss critical recovery days, and why market timing driven by financial news consistently leads to poor outcomes.

Josh also discusses what the long-term performance of the S&P 500—particularly with dividends reinvested—reveals about patience, discipline, and compounding. Most importantly, he explains how a well-designed financial plan acts as a decision-making framework during volatile periods, helping investors stay aligned with their goals instead of reacting emotionally to short-term market noise.

Want to achieve financial freedom for personal significance? Work with us at https://www.f5fp.com

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

*****

Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

Borrowing from your 401k can feel like a smart financial move. After all, it’s your money, there’s no credit check, and you’re “paying yourself back.” But in my experience as a financial planner, 401k loans are one of the most dangerous decisions in retirement planning.

In this episode, we break down why we recommend avoiding 401k loans. Not because of complicated spreadsheets or market forecasts, but because of what these loans signal about cash flow, habits, and long-term financial behavior. Even when interest rates are high and the math appears to work, the real cost of a 401k loan is often psychological—not financial.

We discuss why 401k loans sound so appealing on paper, the behavioral traps most people don’t see coming, what borrowing from retirement accounts usually indicates beneath the surface, the risks tied to job changes and accelerated repayment, why “paying yourself back” can quietly undermine long-term freedom, and what to do instead when you need liquidity.

This conversation is especially relevant for families with significant investable assets who want to protect their long-term independence while making disciplined, intentional decisions today.

Want to achieve financial freedom for personal significance? Work with us at https://www.f5fp.com

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

*****

Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

The FIRE movement—which stands for Financial Independence, Retire Early—has captured the imagination of millions. Save aggressively. Invest efficiently. Quit work decades ahead of schedule. On paper, it sounds like the ultimate path to freedom.

But is it really worth it, especially for families with real responsibilities?

In this episode, Josh takes a clear-eyed look at the FIRE movement through the lens of an experienced financial planner who works with families every day. He breaks down what FIRE gets right, where it often falls short, and why early retirement alone is rarely the finish line people expect it to be.

You’ll learn what financial independence actually means beyond the spreadsheets, why the “retire early” part of FIRE can create unintended emotional and lifestyle challenges, and how high-income families with children, healthcare costs, and long-term goals experience FIRE differently.

Financial independence can create extraordinary flexibility, resilience, and peace of mind. But without intentional design around purpose, community, and contribution, early retirement can feel surprisingly empty. This conversation is for families who want more than just an exit plan from work. It’s for those asking the deeper question: What am I freeing myself for?

Want to achieve financial freedom for personal significance? Work with us at https://www.f5fp.com

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

*****

Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.