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Well Balanced | Financial Planning, Bucket-Based Investing, Market Perspective, Wealth Management. A passionate and entertaining look at money and investing in and for retirement. For those that enjoy podcasts like Smart Money, On Investing, and BiggerPockets, Well Balanced is worth adding to your feed. Disclosures about our firm and this podcast. Vector Wealth Management is registered as an investment adviser with the Securities Exchange Commission (SEC). Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability. A copy of Vector’s current written disclosure brochure filed with the SEC discusses among other things, Vector’s business practices, services, and fees, and is available through the SEC’s website at: www.adviserinfo.sec.gov. All content in this podcast is for information purposes. Opinions expressed herein are solely those of Vector Wealth Management, our staff, and guests. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed directly and in detail with your financial advisor prior to implementation. This podcast and related content are not intended to render personalized investment advice, nor should it be viewed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities or strategies discussed. Please note that neither Vector Wealth Management nor any of its agents give legal or tax advice. The firm is not engaged in the practice of law or accounting. Charts, graphs, and returns do not represent the performance of Vector Wealth Management or any of its advisory clients. Returns do not reflect the impact that advisory fees and other expenses would on the results. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s portfolio. All investment strategies have the potential for profit or loss. Past performance is not indicative of future performance. Visit vectorwealth.com/regulatory for the firms form CRS and ADV.
Episodes

Thursday Jun 26, 2025
Thursday Jun 26, 2025
What Would You Do With $300?
In the latest episode of Well Balanced, Vector advisor Chris Wagner joins Ezra Firkins to discuss a simple but revealing question: Can a $300 purchase improve your life? From air fryers to flight upgrades, Chris and Ezra explore how small, intentional spending can bring real value—especially for clients who’ve spent a lifetime saving. The conversation invites listeners to reflect on their own comfort, habits, and hesitation around spending, even when their financial plans say, “Yes, you can.”
But this isn’t just about gadgets or upgrades. The episode dives into deeper territory—how savers can transition into purposeful spenders, how to build confidence through small financial experiments, and how tools like Vector’s Sojourn planning platform can model those choices. They also explore themes of legacy, joy, and the emotional work of allowing yourself to enjoy the wealth you’ve built.
Takeaways:
💸 Small purchases can spark big joy — Even $300 spent wisely can make life noticeably better.
🧠 Savers need a mindset shift — Transitioning from saving to spending in retirement is emotional, not just financial.
🧪 Start small, then evaluate — Try one thing (like a flight upgrade or a home project), and see how it feels.
🧰 Modeling builds confidence — Tools like Sojourn can show you exactly how a purchase fits into your plan.
- 🎁 Spending can be legacy too — Helping kids, supporting causes, or enjoying travel—these are meaningful uses of your wealth.
Chapters
00:00 – Welcome & The $300 Idea
03:31 – Why Savers Struggle to Spend
07:02 – From Plans to Possibilities
10:34 – Start Small, Build Confidence
14:05 – Legacy, Comfort & Experience
17:36 – Model Financial Choices
21:08 – Confidence in Action & Wrap-Up
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vectorwealth.com/start
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vectorwealth.com/regulatory
All content discussed in our podcasts, videos, or related blog articles are for informational purposes and should not be construed as individualized financial advice.
Opinions expressed herein are solely those of Vector Wealth Management, our staff, and guests. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed directly and in detail with your financial advisor prior to implementation of a strategy or investment. This podcast and related content are not intended to render personalized investment advice, nor should it be viewed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities or strategies discussed.
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