America thinks it’s diversified… but the truth is shockingly risky.
If you’re investing in VOO, QQQ, or any “broad market” ETF, this episode is a must-listen.

In this episode, Dr. Abhishek Gadre uncovers America’s REAL portfolio by breaking down the top 10 most popular ETFs in the country. What he finds is alarming: extreme mega-cap tech concentration, almost no bonds, minimal international exposure, and a nationwide portfolio that looks more like a 25-year-old gambler’s than a 55-year-old professional’s.
You’ll learn why cap-weighted indexing funnels billions into the same few companies, how this creates bubble-like risk, and what a healthier, more resilient portfolio should look like.

• Why “diversified” ETFs are secretly concentrated

• How 6 tech giants dominate America’s investments

• The real breakdown of VOO, IVV, SPY, QQQ & VUG

• Why only 3.6% of America’s portfolio is in bonds

• How home-country bias hurts long-term returns

• The danger of investing like a tech-heavy 25-year-old

• What a balanced, evidence-based portfolio looks like

• Simple adjustments to reduce risk without sacrificing growth

Perfect for physicians, professionals, and long-term investors who want to understand their real exposure, avoid hidden risks, and build a smarter portfolio — built for resilience, not hype.

#MoneyMattersMD #Investing2025 #ETFInvesting #PortfolioRisk #IndexFunds #MegaCapTech #Diversification #DoctorFinance #FinancialEducation #WealthBuilding #InvestingPodcast

Are we heading into another “lost decade” for U.S. stocks?

Vanguard just released its latest 10-year market forecast — and the numbers are startling. With S&P 500 returns projected at only 2.8%–4.8% and large-cap growth even lower, long-term investors may face a dramatically different decade than the one we just lived through.

In this episode, Dr. Abhishek Gadre breaks down Vanguard’s Capital Markets Model (VCMM), explains why U.S. growth stocks look overvalued, and reveals the areas of the market that show real opportunity — including value stocks, small caps, international equities, and even bonds. You’ll hear why diversification matters more than ever—and the exact shifts he’s making in his own portfolio.

You Will Learn:
✅ Why Vanguard is projecting a weak decade for U.S. large-cap growth
✅ The mathematics behind “reversion to the mean” and valuation resets
✅ Why U.S. value and small caps are undervalued heading into 2026–2035
✅ Why international stocks may outperform U.S. equities for the first time in 15+ years
✅ Why bonds now offer higher expected returns with lower volatility
✅ How Morningstar and major banks compare to Vanguard’s outlook
✅ How to build a more resilient, globally diversified portfolio
✅ The portfolio changes Dr. Gadre personally made for the next decade

If the last decade rewarded concentrated bets, the next decade may reward disciplined diversification. Learn how to position your portfolio for long-term stability, better risk management, and smarter expected returns.

#vanguardforecast #lostdecade #investing2025 #doctorfinance #moneymattersmd #valueinvesting #internationalstocks #assetallocation #portfoliostrategy #financialeducation #longterminvesting

Are you tired of traditional budgeting—or feel like tracking every $4 coffee isn’t actually helping you build wealth?

In this episode, Dr. Abhishek Gadre introduces Macro Budgeting — the big-picture, annual cash-flow strategy physicians and high-income professionals use to understand exactly where their money goes and how to continuously improve their financial life year after year.

Instead of obsessing over daily expenses, macro budgeting teaches you how to measure your Total Income Package, Total Tax Package, Total Savings Package, and Total Spending Package so you can quickly calculate your Net Savings Rate — the #1 indicator of long-term wealth.

You Will Learn:✅ What macro budgeting is — and why high earners need it✅ The difference between micro budgeting vs. macro budgeting
✅ How to calculate your Total Income, Tax, Savings & Spending Packages
✅ How to find the correct lines on Form 1040 for your financial analysis
✅ How to determine your personal Net Savings Rate (and why it matters)
✅ How to categorize your savings into Pretax, Roth, and Taxable buckets
✅ A real example of a family improving their yearly cash-flow strategy
✅ How to review and update your macro budget in just 5 minutes per year

Stop guessing where your money goes. Start mastering your yearly cash flow like a pro — and build wealth with confidence.

#macrobudgeting #personalfinance #doctorfinance #cashflowplanning #highincomeearners #moneyMattersMD #physicianfinance #financialplanning #networthgrowth #savingsrate #budgetingtips

Are you a high-income physician, specialist, or professional wondering how to legally contribute to a Roth IRA despite earning above IRS limits?

In this episode, Dr. Abhishek Gadre breaks down the complete Backdoor Roth IRA process — the IRS-approved strategy that allows high earners to build tax-free retirement wealth even when they “make too much” for a regular Roth contribution.

You’ll learn the exact step-by-step approach physicians use to stay compliant, avoid the Pro-Rata Rule, and convert contributions cleanly every single year. We also walk through the Vanguard process, show how to clear out pre-existing IRA balances, and explain which tax forms you’ll receive so you don’t get blindsided during tax season.

You Will Learn:✅ What a Backdoor Roth IRA is — and why it’s 100% legal✅ 2025 income limits and contribution rules✅ Traditional IRA → Roth IRA conversion explained simply✅ How to avoid the IRS Pro-Rata Rule (major mistake doctors make!)✅ How to zero out Traditional, SEP, and SIMPLE IRA balances✅ How to invest inside your Roth IRA (so it doesn’t sit in cash)✅ Key tax forms you’ll receive: 1099-R & IRS Form 8606

Stop letting income limits hold you back. Listen now and start building tax-free wealth the right way.

#backdoorroth #rothira #doctorfinance #highincomeearners #physicianfinance #taxfreeretirement #MoneyMattersMD #retirementplanning #financialeducation #form8606

Are you a self-employed physician or high-income 1099 contractor looking to dramatically cut your tax bill and supercharge retirement savings?

In this essential episode, Dr. Abhishek Gadre reveals the advanced strategy of combining a Solo 401(k) with an S-Corporation to legally save tens of thousands in taxes every year.

Learn the exact blueprint used by Dr. Smith to cut their taxable income from $300,000 to just $236,000, all while hitting a $70,000 401(k) contribution target.

You Will Learn:

• ✅ The critical difference between Standard vs. Custom Solo 401(k)s.

• ✅ How to structure your S-Corp income (W-2 vs. K-1 split) for maximum tax efficiency.

• ✅ Two Advanced Strategies to hit the maximum legal 401(k) contribution.

• ✅ The Mega Backdoor Roth strategy for building tax-free wealth as a high earner.

• ✅ Key IRS forms and thresholds (e.g., the $250K plan limit) you must know.

Stop overpaying the IRS. Listen now to transform your tax game and build serious wealth.

#solo401k #doctorfinance #moneymattersmd #scorp #1099Doctor #taxsavings #retirementplanning #financialfreedom #wealthbuilding #physicianfinance

How to LEGALLY Kick Uncle Sam Out of Your Retirement — ROTH IRA 101

Would you like to hand over up to half of your retirement savings to Uncle Sam (IRS)? 😬

If your answer is no, this episode is a must-listen.

In this episode, Dr. Abhishek Gadre breaks down ROTH IRA 101 — the simplest, most legal way to grow tax-free wealth and protect your hard-earned money from future taxes. You’ll learn how the 3 Tax Buckets work, how a ROTH IRA compounds completely tax-free, and why it’s one of the most powerful tools for long-term investors.

✅ What You’ll Learn

1. How to keep Uncle Sam out of your retirement
2. The 3 Tax Buckets: Pre-Tax vs ROTH vs Taxable
3. Real case study: how taxes can erase 20% of your portfolio
4. 2026 contribution & income limits explained
5. What is the Backdoor ROTH IRA (for high-income earners)
6. Why compounding + tax-free growth beats speculation
7. A $1K/month real example of 30-year tax-free growth

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Perfect for physicians, professionals, and investors who want to maximize their retirement savings, minimize taxes, and build lasting wealth — the smart, legal way.

#MoneyMattersMD #ROTHIRA #TaxFreeInvesting #RetirementPlanning #FinancialEducation #WealthBuilding #DoctorFinance #TaxFreeGrowth #InvestingPodcast #CompoundInterest

How to Recession-Proof Your Portfolio in an AI-Driven Market?

AI stocks like NVIDIA, Microsoft, and Google are soaring — but valuations are stretched, concentration risk is rising, and history shows bubbles eventually burst.

In this episode, Dr. Abhishek Gadre breaks down how to protect your wealth if the AI boom cools — while still benefiting if it continues.

✅ What You’ll Learn

• Warning signs: Buffett Indicator & Shiller PE

• Why large-cap tech concentration is risky

• Factor investing and why value + small caps matter

• International diversification outlook

• Why bonds are back

• A sample evidence-based portfolio

• Common investing mistakes to avoid

Perfect for investors, professionals, and anyone curious about creating a recession-proof portfolio.

#MoneyMattersMD #AIBubble #StockMarket #InvestingPodcast #BuffettIndicator #FactorInvesting #FinancialEducation #Diversification #MarketCorrection #AIStocks

AI is transforming the world — but could it also be inflating stock prices beyond reason? The data suggests we might be in dangerous territory.

In this episode of Money Matters MD, Dr. Abhishek Gadre reveals the metrics and trends that every investor needs to know before the next correction hits.

You’ll discover:
✅ What the CAPE Ratio and Buffett Indicator reveal about market overvaluation
✅ Why tech sector concentration is making the market fragile
✅ The 3 major stressors threatening the economy right now
✅ How to diversify your portfolio and protect your investments

Perfect for investors, professionals, and anyone curious about whether the AI boom is creating the next big market bubble.

#MoneyMattersMD #AIBubble #StockMarket #InvestingPodcast #BuffettIndicator #CAPEratio #FinancialEducation #InvestSmart #MarketCorrection #AIStocks