Financial Concerns that are Unlikely to Happen

On this episode of A Wiser Retirement™ Podcast, we talk about financial concerns that are unlikely to happen with Casey Smith, Missie Beach, CFP®, CDFA®, and Andrew Pratt, CFA. We discuss various political, financial, and market-related predictions and concerns that never materialized. We also highlight the necessity of having a robust financial plan that aligns with your goals, risk tolerance, and lifestyle.

Listen or Watch:


Start with Financial Planning

We begin by talking about the unexpected nature of financial planning, drawing on the example of how investments actually come last in the planning process. We emphasize the importance of having a solid financial plan in place before determining investment strategies, focusing on clients’ goals, lifestyle needs, and risk tolerance. We share their thoughts on recent political events and the rhetoric surrounding the US presidential election, acknowledge the economic implications, and express some concerns.

Financial Predictions

Predicting the stock market has always been challenging, and history is replete with forecasts and predictions that never materialized. Here are some notable examples:

  • Dow 36,000
  • The Great Crash 1929
  • 2008 Financial Crisis
  • Japan’s Stock Market Crash in the 80’s
  • Brexit Impact Predictions
  • Dot-com Bubble Predictions

Political Predictions

There have been numerous political concerns related to the stock market that generated anxiety but ultimately did not materialize as predicted. Here are some notable examples:

  • Y2K and Stock Market Crash
  • Cold War Fears
  • Eurozone Collapse
  • Various US Political Scandals
  • Global Political Instability
  • Terrorist Attacks
  • Political Election Outcomes

Stock Market Predictions

Predicting the future of the stock market involves a great deal of uncertainty, and it’s important to be cautious about making definitive statements about what will “never” happen. However, there are certain extreme scenarios or concerns that are often considered highly unlikely in the context of a stable and regulated market environment:

  • Total Collapse to Zero
  • End of Capitalism
  • Permanent Stagnation
  • Global Synchronization of Crashes
  • Unilateral Control by a Single Entity
  • Elimination of All Risk
  • Permanent Loss of Public Trust

Approach Predictions and Financial Concerns with Caution

It’s important to remember that while these scenarios are considered highly unlikely, the stock market is complex and influenced by a multitude of factors, including economic, political, and social forces. As such, predictions and concerns should always be approached with a degree of caution and awareness of their inherent uncertainties. These examples demonstrate how political events and financial concerns can create uncertainty and lead to predictions about the stock market that do not always materialize. 



Recent posts

  • Is there a downside to paying off a mortgage early?
  • Does lump sum investing beat dollar cost averaging?

Share This Story, Choose Your Platform!

Wiser Wealth Management, Inc (“Wiser Wealth”) is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). As a registered investment adviser, Wiser Wealth and its employees are subject to various rules, filings, and requirements. You can visit the SEC’s website here to obtain further information on our firm or investment adviser’s registration.

Wiser Wealth’s website provides general information regarding our business along with access to additional investment related information, various financial calculators, and external / third party links. Material presented on this website is believed to be from reliable sources and is meant for informational purposes only. Wiser Wealth does not endorse or accept responsibility for the content of any third-party website and is not affiliated with any third-party website or social media page. Wiser Wealth does not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by third party websites or on social media pages. While Wiser Wealth uses reasonable efforts to obtain information from sources it believes to be reliable, we make no representation that the information or opinions contained in our publications are accurate, reliable, or complete.

To the extent that you utilize any financial calculators or links in our website, you acknowledge and understand that the information provided to you should not be construed as personal investment advice from Wiser Wealth or any of its investment professionals. Advice provided by Wiser Wealth is given only within the context of our contractual agreement with the client. Wiser Wealth does not offer legal, accounting or tax advice. Consult your own attorney, accountant, and other professionals for these services.

Sign up for our newsletter!

Our latest blogs, podcasts, and educational videos delivered to your inbox weekly.