Sometimes the best lessons come from the most ordinary places, like the chicken coop. A simple thing like farm-fresh eggs can teach a powerful lesson about investing. Here’s the scoop: farm-fresh eggs can sit safely on your counter for weeks because of a natural protective coating called a “bloom.” But wash that coating off, and suddenly they spoil fast and need to be refrigerated.

Your investments are a lot like those eggs. Over-handling can shorten their shelf life and hurt long-term growth. Instead, patience and restraint usually pay off. Just like eggs last if you leave them alone, your portfolio can thrive if you trust the protective power of time, diversification, and sound strategy. Pre-retirees and retirees, take note: sometimes the smartest move is knowing when to do absolutely nothing.

Here’s what we discuss in this episode:

🚫 The financial danger of over-handling investments

📉 Why market dips rarely need a panic response

🥚 What farm-fresh eggs can teach us about financial planning

⏳ How time and patience protect growth

Connect with us:

Web: https://rosewoodwealthmanagement.com/

Phone: 919-391-3446

Schedule a Meeting: http://meetwithjohn.com

Check us out on YouTube: https://bit.ly/46RaLvL

Ready to grow your wealth with confidence? Let’s talk! 👉 https://www.rosewoodwealthmanagement.com/schedule-an-appointment

☎️ 919-391-3446

For decades, families have been told college is the only ticket to success. But with skyrocketing costs, shifting job markets, and the rise of AI, the economics of higher education are more complicated than ever. Career and college coach Kristin Heimstra joins John to break down how parents and students can navigate these choices with clarity and confidence.

Kristin shares her perspective on when a private school may be worth the price, why community colleges are an overlooked gem, and how to think critically about degrees, ROI, and career fit. She also explores the growing role of trade schools and hands-on careers that AI can’t replace. If you’ve ever wondered how to balance cost, value, and opportunity when it comes to higher education—or how to help your kids or grandkids make smarter choices—this conversation is for you. The bottom line: it’s not just about where you go, it’s about knowing yourself, your goals, and the return on your investment.

Here’s what we discuss in this episode:

🎓 Rethinking the “college or bust” mindset

💰 When private education can be worth the cost

🔧 Trade school opportunities in an AI-driven world

🏫 Community college as a launchpad for success

🤝 Building networks and connections that matter

Get in touch with Kristin:

Art of Potential website: https://www.artofpotential.com/

Email: Kristin@artofpotential.com

Connect with us:

Web: https://rosewoodwealthmanagement.com/

Phone: 919-391-3446

Schedule a Meeting: http://meetwithjohn.com

Check us out on YouTube: https://bit.ly/46RaLvL

Ready to grow your wealth with confidence? Let’s talk! 👉 https://www.rosewoodwealthmanagement.com/schedule-an-appointment

☎️ 919-391-3446

Deciding where to live in retirement is about more than just money; it’s about lifestyle, family, and long-term comfort. In this episode, John explores the often-emotional decision of keeping the family home, downsizing, or relocating entirely. He shares real examples of weighing the memories tied to a house against the reality of upkeep, property taxes, and shifting housing markets.

John explains why there’s no “one-size-fits-all” answer. For some, hiring help for maintenance makes more sense than selling. For others, equity in a large home is essential to funding their retirement income plan. And sometimes, the desire to live near children and grandchildren trumps both cost and convenience. With rising interest rates and changing property values, the math isn’t always straightforward. This conversation will help you think about both the numbers and your emotions, so you can feel confident about your next move.

Here’s what we discuss in this episode:

🏠 The emotional vs. financial sides of deciding where to live in retirement

📉 Why “downsizing” doesn’t always save you money

👨‍👩‍👧 Lifestyle questions to ask before making a move

💵 How property taxes and interest rates factor into your decision

🔑 Balance lifestyle with financial security

Connect with us:

Web: https://rosewoodwealthmanagement.com/

Schedule a Meeting: http://meetwithjohn.com

Check us out on YouTube: https://bit.ly/46RaLvL