In this episode, Priya Malani makes the case against one of the most repeated pieces of retirement advice in personal finance: convert everything to Roth. For high earners, blanket Roth conversions during peak earning years often mean paying taxes at the highest rate they'll ever see, then arriving in retirement with no flexibility to do anything about it. The real issue isn't Roth versus pre-tax. It's tax optionality — and most people give it up without realizing what they're trading away. This episode reframes how to think about tax strategy across a lifetime, not just during accumulation.

Takeaways:

• "Tax-free in the future" often just means you prepaid at your highest rate today.
• Converting to Roth during peak earning years eliminates the flexibility you'll actually want in retirement.
• Pre-tax contributions improve your cash flow now AND give you lower-bracket options later — that's a double win Roth can't offer.
• The income transition years before full retirement are often the most valuable tax window of your life, but only if you have money in multiple buckets.
• Tax optionality isn't a fancy strategy. It's having choices. All-Roth means you've already made them for yourself, at the worst possible time.

  
  

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The Stuff Our Lawyers Want Us to Say:

Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

A lot of high earners are doing everything right on paper and still feel stuck. Not financially stuck. Mentally stuck. Priya Malani sits down with Marcia Dawood, angel investor, TEDx speaker, and author of the forthcoming Unapologetic Wealth, to unpack why so many people, especially women, struggle to act on the wealth they're building. They get into the surprising science behind inherited money fear, why financial avoidance is rarely about discipline, and how identifying your values is actually the first investing decision you make. If you've ever delegated your finances out of discomfort or let a raise disappear without a plan, this conversation is a useful mirror.

Takeaways:

• The one hangup people have once they have wealth is that they don't align it with their values and don't have a clear picture of their goals.
• Fear around money isn't always personal, it can be inherited, passed down through generations in ways that are measurably biological.
• Women aren't bad with money or overly risk averse, they're risk unpracticed, and the fix is reps, not a personality change.
• Choosing zero exposure to private markets is still an active portfolio decision, even if it doesn't feel like one.
• Modeling financial confidence isn't just for you, it shapes how the next generation thinks about money before they ever earn any.

  
  

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Guest Bio:

Marcia Dawood is the author of Do Good While Doing Well, TEDx speaker, Podcast host, and an early-stage investor who serves as the chair of the Securities and Exchange Commission’s Small Business Capital Formation Advisory Committee. She is a venture partner with Mindshift Capital and the chair emeritus of the Angel Capital Association (ACA), a global professional society for angel investors. She is also an associate producer on the award-winning documentary Show Her the Money. Her new book, Unapologetic Wealth - Rewrite Your Money Story From Any Beginning, releases in March 2026.

Guest Links:

MarciaDawood.com

The Stuff Our Lawyers Want Us to Say:

Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

We tend to think financial stress goes away once you make enough money, but for a lot of high earners, it just changes shape. In this episode, Priya unpacks why so many smart, successful people feel tense about money despite “doing everything right.” The real issue isn’t income, discipline, or effort — it’s decision-making without a framework. This conversation reframes how to think about saving, spending, and investing so money actually creates calm instead of the same anxiety, packaged differently.

Takeaways:

• Financial stress is often a decision problem, not an income problem.
• Accumulating money without a clear purpose creates anxiety, not security.
• High earners don’t struggle with discipline — they struggle with permission.
• Investing isn’t about winning or beating a benchmark; it’s about building options.

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The Stuff Our Lawyers Want Us to Say:

Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

In this episode, Priya Malani sits down with Raphael Zagury, former Wall Street executive and founder of one of the world’s largest private Bitcoin mining companies, to strip Bitcoin of hype and look at it through a real investment lens.

They unpack what Bitcoin actually is, why it exists, and how to think about it as an asset — not a gamble. From hard money and inflation to volatility, portfolio construction, and why “zero allocation” is rarely neutral, this is a grounded Bitcoin 101 for people who want clarity.

If you’ve felt like you should understand Bitcoin by now but don’t — this conversation is for you.

Takeaways:

• Bitcoin doesn’t have to be all or nothing — the real decision is position sizing, not belief.
• Choosing zero Bitcoin is still an active portfolio decision, not a neutral one.
• Bitcoin’s volatility reflects how early it is, not that it lacks legitimacy as an asset.
• When sized correctly, Bitcoin behaves like a long-term diversifier, not a short-term trade.
• You don’t need full conviction to participate — disciplined allocation and time do the heavy lifting.

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Guest Bio:

Raphael Zagury has a wealth of experience in leadership, finance, and entrepreneurship. He was the founder and CFO of OpenCo, where he led multiple capital raise rounds, including a Series D with investors such as SoftBank, IFC, and LTS Investments. He also founded One Partners, a boutique investment banking company. Before his entrepreneurial ventures, Raphael built a career on Wall Street, holding senior positions at Deutsche Bank and Merrill Lynch as Managing Director, and at Goldman Sachs as Vice President. An avid Bitcoiner and coder, Raphael has contributed to open-source software and, as CIO at Swan Bitcoin, designed Nakamoto Portfolio, a tool that helped many investors understand how Bitcoin fits into asset allocation. He holds an MBA from Yale University and a Bachelor’s degree in Economics from IBMEC (Brazilian Capital Markets Institute).

Other Links:

Raphael Zagury on X

Raphael Zagury on LinkedIn

White Paper: Bitcoin: A Peer-to-Peer Electronic Cash System

Author: Satoshi Nakamoto

Published: October 31, 2008

The Stuff Our Lawyers Want Us to Say:

Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

In this episode, Priya Malani sits down with Rachel Bowie, Royal Correspondent at PureWow, to unpack a surprising truth: the Royal Family’s wealth isn’t unlimited — it’s just exceptionally well structured. Together, they break down how the Royals actually manage money, why diversification and restraint matter more than status, and what high earners can learn from a family that’s built wealth to last for centuries. This conversation reframes what “never running out of money” really looks like — and why systems matter more than income.

Takeaways:

• The Royals don’t rely on one source of money — they rely on structure.
• Lifestyle restraint is intentional — not accidental.
• Inheritance doesn’t guarantee security — structure does.
• Looking wealthy isn’t the same as being financially unshakeable.

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Guest Bio:

Rachel Bowie is Senior Director of Special Projects & Royals for PureWow.com, owned by Gallery Media Group. There, she covers royals and money, of course, but also family, wellness, relationships and more. She's also the former co-host of the Royally Obsessed podcast, named one of the best royal podcasts by the New York Times, and co-authored a book about the royal family called, Royal Trivia: Your Guide to the Modern British Royal Family. She lives in Brooklyn with her husband and two kids.

Follow Rachel:@purewow

The Stuff Our Lawyers Want Us to Say:

Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

A diamond ring is never just a ring. In this episode, Priya unpacks the unspoken double standard around women, power, and symbolism at work, and why the same signal can boost credibility in one setting and undermine ambition in another. Drawing on personal experience and cultural insight, she explores how traditional markers of stability are still interpreted differently for women, especially across corporate and entrepreneurial environments, and asks why women are still expected to signal seriousness through symbols instead of substance.

Takeaways:

• A diamond ring signals very different things depending on who is wearing it, and where.
• In corporate environments, traditional symbols often reinforce credibility; in entrepreneurship, they can unintentionally signal optionality.
• Men’s support systems are read as motivation. Women’s are often read as safety nets.
• The goal isn’t to erase symbols, but to be intentional about the story they tell, and who benefits from that story

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The Stuff Our Lawyers Want Us to Say:

Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

Building wealth feels morally complicated right now — not because money is evil, but because power gets messy once money stops being a constraint. Priya Malani sits down with Pia Silva to unpack why so many ethical, thoughtful people feel conflicted about building wealth — and why opting out may actually leave power in the wrong hands.

They challenge the idea that money corrupts, explore how wealth tends to amplify character rather than change it, and make the case for why ethical people building wealth matters more than ever.

If you’ve ever worried that money might turn you into someone you don’t respect, this conversation will reframe the question.

Takeaways:

• If ethical people treat wealth like a moral hazard, the most unethical actors inherit more influence by default.
• Money doesn’t automatically corrupt, it often reveals and amplifies what was already there.
• The ethical question isn’t “should I build wealth,” it’s “what decisions will I pre-commit to before money stops being a constraint.”
• You don’t need to love capitalism to operate effectively inside it — you need clarity, rules, and intention.

  
  

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Guest Bio:

Pia Silva, founder of No BS Mastery where she trains experts, consultants and boutique agencies on the No BS Business Model to make $250K-$500K+/year with more freedom and ease, and without employees. She’s a TEDx speaker, host of The No BS Mastery Podcast, former Forbes contributor, author of Badass Your Brand and author of the upcoming book Scale Solo (March 2026).

Guest Links:

Book: nobsmastery.com/book

Playbook: nobsmastery.com/playbook

Instagram: @pialovesyourbiz

Podcast: piasilva.com/podcast

The Stuff Our Lawyers Want Us to Say:

Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

High earners are increasingly living like the wealthy, frictionless spending, invisible money, convenience-first choices. But without the backend systems that make those behaviors safe, invisibility doesn’t create freedom. It creates drift. In this episode, Priya breaks down why copying wealthy habits without wealthy systems keeps high earners stuck, and how putting structure before lifestyle is what actually makes money disappear without anxiety.

Takeaways:

• Invisible money is not a sign of wealth. It’s the output of structure. Without systems, invisibility becomes drift.
• High earners get into trouble because income hides inefficiency.
• Wealthy people don’t spend freely because they’re careless. They spend freely because the wealth building already happened first.
• The real goal is not tracking every dollar. It’s deciding where money is allowed to disappear and locking that in automatically.

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The Stuff Our Lawyers Want Us to Say:

Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.